Este diciembre, comenzaremos a distribuir los cheques de
reembolsos a más de 4 millones de consumidores quienes
fueron perjudicados por un grupo de entidades corporativas
que operaban algunas de las marcas más grandes de
reparación de crédito del país, entre ellas; Lexington Law
y CreditRepair.com. Estas compañías violaron las leyes
federales sobre el telemercadeo, cobrando tarifas por
adelantado ilegales por servicios de reparación de crédito
que fueron telemercadeados. También alegamos que estas
compañías violaron las leyes federales de protección al
consumidor al utilizar publicidad engañosa para atraerlos
y luego cambiar las condiciones, conocida como
“bait-and-switch”.
Como resultado de nuestra acción ejecutoria, se les ordenó
a las compañías pagar $2,7 millardos en reparaciones al
consumidor y multas civiles, y tienen prohibido
comercializar servicios de reparación de crédito usando
telemercadeo, por los próximos 10 años.
Los pagos de reparaciones y multas por CreditRepair.com y
Lexington Law
Entre el 5 de diciembre del 2024 y el 6 de enero del 2025,
la empresa JDN Legal Administration distribuirá $1,8
millardos entre fondos de multas civiles y reparaciones, a
aquellos consumidores perjudicados. Usted no necesita
hacer nada para recibir un cheque. En la CFPB, hemos
identificado a los individuos que son elegibles usando los
récords que nos entregaron las compañías.
Si tiene preguntas acerca de si usted es elegible, por
favor revise las siguientes preguntas frecuentes (las
preguntas y respuestas están disponibles en inglés). Si
necesita asistencia adicional le animamos a esperar hasta
después del 6 de enero para solicitarla, dado el gran
volumen de cheques que están siendo procesados y
distribuidos.
What is a redress payment, and who is sending it?
A redress payment compensates a consumer who has been
wronged.
The Consumer Financial Protection Bureau is a U.S.
government agency dedicated to making sure you’re treated
fairly by banks, lenders, and other financial
institutions. When we enforce the law, we or a court may
order the company or person to take action to correct the
harm caused to consumers. This can include requiring the
company or person to compensate its victims through
redress payments.
These payments may be distributed directly by the company,
through the CFPB’s Civil Penalty Fund, or by a payments
administrator. In the case of CreditRepair.com and
Lexington Law, JND will be the third-party administrator
that will process and issue checks to harmed consumers.
How do I know if I’m part of the redress?
Eligible consumers were identified as customers of
CreditRepair.com and Lexington Law who were illegally
charged upfront fees or were subjected to allegedly
deceptive advertising.
If you’re eligible for a payment, you’ll receive a letter
and payment addressed to you. You don’t need to do
anything.
How are the payments calculated, and how much will I
receive?
The payments are calculated based on a pro-rata share of
the fees you paid to CreditRepair.com and Lexington Law.
The amount you receive, however, may not cover all of the
fees you paid.
If funds remain after the distribution is complete,
additional checks may be sent to consumers who cashed
their initial check. You don’t need to take any additional
action.
How can I tell if my check is a scam?
The CFPB never asks you to provide money and never charges
you a fee to cash or receive a check. If someone asks you
to send them money before or after cashing a check, it
could be a scam.
If you need to verify if your check is real, contact JND
at (855) 680-8991 during
business hours, 8 a.m. to 9 p.m. ET, Monday through
Friday. You can also call the CFPB toll-free, 8 a.m. to 8
p.m. ET, Monday to Friday, at
(855) 411-CFPB (2372) or
TTY/TDD
(855) 729-CFPB (2372).
Please be patient and keep in mind that customer service
wait times may be long due to the large number of check
recipients.
If I don’t receive a check, can I file a claim?
No. There won’t be opportunities to file claims for this
redress case.
Will my payment be taxed?
The check is considered a refund of payments you made to
the defendants, so it’s unlikely to be taxable. If you
have tax-related questions, however, please contact a tax
advisor.
Where can I cash my check?
You can cash your check at any bank that you have a
checking account with by signing the back of the check and
depositing it through your online banking application, at
your local bank branch by talking to a teller, or by using
an ATM. Please keep in mind, sometimes deposits are not
immediately available from your bank after depositing.
Please check with your bank regarding check hold times.
I do not have a bank account. Where can I cash my check?
If you do not have a bank account, you can cash your
CreditRepair.com and Lexington Law check at any domestic
Wells Fargo banking branch for no fee. You need to talk to
a Wells Fargo teller and show a valid ID that matches the
name on your check. Alternatively, you can also take your
check to any check-cashing service or to a supermarket or
retail establishment that cashes checks. Keep in mind that
these companies charge fees for check cashing.
Can I have my check reissued, including if it’s been lost,
damaged, expired, or my name or address has changed?
You can submit a reissue request through the
Administrator’s website at
www.cfpb-lexlaw.org
or by email:
[email protected]. In both cases, you need to provide your Unique ID,
name, and current address. Your Unique ID number can be
found on your check or at the top of the letter that was
mailed along with your check.
If your address has changed, please provide your new
address along with your previous address for verification
purposes. If you need to have your name changed, submit a
reissue request by email along with a copy of a
government-issued ID displaying your current name and
appropriate legal documentation – including a marriage
license, divorce decree, or court order – indicating the
name change.
Reissues are sent in scheduled runs that occur about once
every two months, beginning in the middle of February
2025. This may include reissue requests received in the
middle of January 2025.
If you are not able to submit your request online or email
your request, we will accept your request via mail.
Please do not send original documents, as we cannot
return them to you.
Please only send copies. Please note that mailed-in
requests will take longer due to longer processing and
mailing time. Your request can be mailed to:
Lexington Law Matter
c/o JND Legal Administration
P.O. Box 91015
Seattle, WA 98111
Please note that information you submit is treated in
accordance with the
Privacy Act.
A check is made out to a deceased family member. What do I
do?
A check that was made out to a deceased individual can be
reissued to the sole beneficiary of the estate or the
estate itself, but proper documentation must be submitted
in writing. These requests cannot be taken over the phone.
To request that we reissue the check in your name as the
beneficiary, a written request must be submitted via email
by the sole beneficiary:
[email protected]. You will need to provide:
Proof of your identity
Death certificate of the deceased harmed consumer
Legal documentation that you are the sole beneficiary of
the deceased harmed consumer’s estate
Your proof of identity must be an official government
issued ID, such as driver’s license, REAL ID, or passport.
Examples of legal documentation that shows you are the
sole beneficiary of the deceased harmed consumer’s estate
would include a will, small estate affidavit, letters
testamentary, or letters of administration.
To request that we reissue the check to the “estate of”
the individual who received a check, a written request
must be submitted by email by the executor of the estate.
These requests must come from the executor, and the
executor must provide the death certificate of the
deceased harmed consumer, proof of identity, and a legal
documentation providing proof of executorship.
Please be patient as reissues are sent in scheduled runs
that occur about once every two months. The first reissue
run will occur in the middle of February 2025, and it is
anticipated that complete reissue requests received by the
middle of January 2025 will be included in that reissue
run.
If you are not able to email your request, then we will
accept your request via mail.
Please do not send original documents, as we cannot
return them to you.
Please only send copies. Please note that mailed-in
requests will take longer to process to allow for mailing
and processing time. To mail your request, the mailing
address is:
Lexington Law Matter
c/o JND Legal Administration
P.O. Box 91015
Seattle, WA 98111
Please note that information you submit is treated in
accordance with the
Privacy Act.
What is the Privacy Act Statement?
The information requested is being collected to determine
your eligibility for a Civil Penalty Fund payment from the
CFPB to compensate you for harm suffered from a violation
of federal consumer financial law that was the subject of
the agency’s enforcement action.
Identifying information collected may be used by and
disclosed to employees, contractors, agents, and others
authorized by the CFPB to receive this information to
contact you and/or assist in related activities. It may
also be disclosed:
To a court, magistrate, or administrative tribunal in
the course of a proceeding
For enforcement, statutory, and regulatory purposes
To another federal or state agency or regulatory
authority
To a member of Congress; to the Department of Justice, a
court, an adjudicative body or administrative tribunal,
or a party in litigation
Pursuant to the CFPB’s published Privacy Act system of
records notice, CFPB.025 – Civil Penalty Fund and
Bureau-Administered Redress Program Records
The collection of this information is authorized by the
Dodd Frank Act.
You are not required to submit or provide any identifying
information. However, we may not be able to process your
request unless you allow us to collect this information
from you.
Distribución de pagos por estado del caso Lexington Law y
CreditRepair.com
