Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:02/02/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Date of transaction 6/25/24. Nature of the complaint: Providing false statements to influence people to take advantage the program. Giving misleading information about the service rendered. Manipulation of unethical business practices, actions and behavior that are below the set minimum standards of the code of conduct of doing business. I also tried to work with my *********************** on numerous occasions before it got to this point. I also tried to reach back out to my ******************* and **** ****** but to no avail did I get any response nor help. It appears that they all were more concerned about the money they got from me and the end of their responsibilities for their part of the contract inwhich I had no knowledge of the end of it. Needless to say, I haven't received the service I paid for.

  

  Business Response

  Date: 02/20/2025

  Jihad, 
  
  We appreciate you sharing your experience and want to address your concerns. We strive to be transparent about the role of our advisors and the effort required to see results. Our records show that a Member Success Advisor reached out multiple times to offer support and guidance. While our program provides education, mentorship, and resources, success ultimately depends on taking action with the strategies provided, as this is not a done-for-you service. If there are specific issues that still need attention, were happy to review them further. Please feel free to reach out to ********************************** so we can work toward a resolution.

• Initial Complaint

  Date:01/25/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have not received a refund that I have requested several times. I purchased this product on 02/28/2024 and was told several different things from people with Credit Stacking. Initially, I spoke with **** ***** who was very aggressively trying to get me to sign up by calling and texting me non-stop. Once I registered and paid for the product he completely disappeared, even his email bounces back now when I tried to reach out. He was supposed to set me up with a coach to show me how to navigate their products, but as soon as I registered and paid they completely switched the story. The service that was mentioned to me and sold me on is not the service that I have received. I have not received consulting on credit stacking. I was very transparent and mentioned everything about my scenario and was told something completely different when a person named Tosh ***** reached out to me. I paid $8,000 for this program and only received a t-shirt worth about $12 and access to a ******** forum page (free).It has been very hard (impossible) to get a hold of anyone there after I made payment. I remember they were calling almost every day and sending messages daily to me and now nothing. Please let me know when I should expect to see this refund processed back to my cards, thank you.

  

  Business Response

  Date: 02/06/2025

  *****, 
  We sincerely apologize for the frustration and disappointment you've experienced. This is not the level of service we strive to provide, and we take your concerns very seriously.
  We want to ensure that your situation is properly addressed. Please reach out to our support team at [support email or phone number] with your full name and purchase details so we can review your request immediately. If you have already contacted our team and havent received a response, we deeply regret the delay and will prioritize resolving this for you as soon as possible.
  Your experience matters to us, and we appreciate the opportunity to make things right. Please let us know how we can assist you further.

  Customer Answer

  Date: 02/11/2025

  There was no effort made from Credit Stacking to directly assist or reach out in regards to the refund.

  

  Business Response

  Date: 02/12/2025

  *****,
  
  We understand your frustration, and we sincerely apologize for the experience you've had. That is not the standard of service we aim to provide.
  After reviewing your request, we will process your refund as requested. You can expect to see the refund reflected on your original payment method within [timeframe, e.g., 5-10 business days]. If there are any delays or issues, please don't hesitate to reach out, and we will make sure it is resolved.
  Again, we apologize for any inconvenience this has caused. Please let us know if theres anything else we can do to assist you.

• Initial Complaint

  Date:07/31/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was told after I got funding then they would charge my credit card but I never got funding and they decided to take money off my credit card anyway I asked for a refund and they told me they had to investigate it further. I told them I want a refund because i was lied to and the program isn't working for us they continue to charge my credit card without my authorization so I called the credit card company and am disputing these charges.

  

  Business Response

  Date: 08/01/2024

  Hi *****, 

  
  Thank you for sharing your experience. We apologize for any confusion and frustration caused by this situation.
  
  As it clearly states on the contract that you have signed upon enrollment as well as the conversation you had with one of our team members, you agreed on a 3 month pay plan on a $5800 product.
  
  We've committed to addressing your concerns and finding a satisfactory resolution. However, due to the chargeback that has been initiated shortly after that conversation, we were provided limited time to resolve this matter thoroughly as it will take up to ***** days to process.

  Customer Answer

  Date: 08/01/2024

  I don't agree I was also never told there were courses I'd have to take to receive the funding as a matter of fact *********************** told me and my fiance they would take the payment out of my credit card after I received funding and of course once again I was lied to because they kept taking money off my credit card and I never received any funding.

  

  Business Response

  Date: 08/02/2024

  Hi *****,
  Thank you for your response, we understand your frustration. We can confirm on our end that based on the chargeback that was initiated, the funds should be back on your card. We wish you the best of luck in your future endeavors!

• Initial Complaint

  Date:05/31/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was sold the program by making installments. I made the initial installment of *******. Once I received the contract I had questions before signing it. I contacted **** and left several messages for a return call. I sent several emails with no response. I was not given the things promised in the program

  

  Business Response

  Date: 07/17/2024

  Hi *****, 

  We appreciate you sharing your experience, and we are sorry to hear about the difficulties you've encountered.
  

  We understand your concern regarding the lack of response from ****. Communication and support are vital, especially when youve made a significant financial commitment.
  Please be assured that we will have someone reach out to you promptly to address your questions and resolve the issue. Your feedback is invaluable, and thanks to you, we will continue to strive for excellence in our services.

• Initial Complaint

  Date:03/21/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The course is grossly overpriced and misrepresented. Most information is easily found free online. This is not the exclusive information they promise. Some of their techniques for getting credit or repair are questionable at best. Prior to signup they don’t explain that getting access to a relationship manager is only possible if you meet certain criteria. They have failed to answer most of my emails, give me brush off answers or tell me someone will reach out to me but never do. Once they have your money, they can’t be bothered. Their focus is on getting new customer money. They claim financing the course is an excuse for not living up to promises. I fully paid off the course and the proof is attached. If you finance a car through a bank, is the dealer no longer responsible if they sold you a lemon? The financing company is shady and will send you bills every month stating that you are behind but when you call them on it, they claim it is an error that will be fixed. But it’s never fixed, they are doing this on purpose to confuse you about how much you have left to pay. I asked for payoff amount, I was quoted different $s. When I brought this to Credit Stacking’s attention, they did nothing. I am not the only one to complain. It is a known issue that Credit Stacking condones. Many have complained in FB group about credit repair Carlo for unresponsiveness and not fulfilling his promises. Despite the complaints, Credit Stacking continues to deal with and expose people to these shady characters because Credit Stacking is deceptive also. Any decent business would issue a refund to dissatisfied customer who did not get what was promised. I should be refunded. But greed reigns supreme with this company. Pro members get either 2 free inquiry sweeps or $500 off. What they don’t say is you must pay an extra $30 month MyScoreIQ, a subpar, overpriced credit report agency or you cannot get what they promised. They will not accept the free reports direct from the 3 bureaus.

  

  Business Response

  Date: 07/17/2024

  Hi ******, 

  Thank you for sharing your detailed feedback. I'm sorry to hear about your dissatisfaction with the course.
  
  After reviewing your account, we see that you have consumed 83% of the course material and your account has been active for two years. Due to this, we are unable to issue a refund at this stage. We strive to provide value through our content, and while it may not be the perfect fit for everyone, we believe it can be beneficial to many.
  
  Regarding the issues you raised, such as the pricing, representation of the content, and support services, we take these concerns seriously. We continuously work to improve our offerings and customer service based on feedback from our users.
  
  We understand your frustration with the financing company's billing errors and the challenges in accessing a relationship manager. The financing company that you did mention is another third party in which any concerns would have to be handled through their team. However for future occurrences, we will look into better improving the information provided. 
  
  Thank you for bringing these issues to our attention. We appreciate your feedback and will use it to make necessary improvements.

  Customer Answer

  Date: 07/17/2024

  I did not consume 83% of the content. It has not been 2 years since I signed up. My complaints directly to you started long before I submitted a complaint to BBB. After that, it has taken you several months to reply to the BBB. You have ignored my concerns or brushed them off. Your response does not address my complaints. You did not provide what was promised as stated in my initial complaint and therefore you need to provide a refund.

  

  Business Response

  Date: 07/19/2024

  We understand your frustration and we are happy to cover the concerns you did address:

  
  Course Content and Value: It appears that our records indicate that you did consume the content. We strive to offer valuable and exclusive information, and we regret that you feel it did not meet your expectations. We originally focus on how the personal banking relationships that are shared, adjusting to new market trends, and the community where you can network with other business owners is where the value lies.

  
  Relationship Manager Access: We focus on introducing some relationships to get the conversation started to obtain business credit. However, it is considered a starting point to encourage our members to seek relationships of their own.

  
  Customer Support: We offer various support channels: individual member success advisors, email access to the support team, ******** community posts, and weekly coaching calls for direct industry expert responses.

  
  Financing and Refunds: We appreciate your perspective on this and as mentioned before, this is through the financing company which provides a loan in order for you to purchase our course. Our team is happy to support any questions, although we do not handle the funds directly.

  
  Credit Stacking and Reporting Issues: We partner with reputable services and address issues as they arise. Credit repair takes time and patience, which we do our best to be clear when communicating upfront.

  
  Pro Members and Additional Costs: We do like to highlight the benefits of being a Pro members' benefits and yet although there are additional costs, that decision is up to you.

  
  We hope our response was able to address your concerns. If you wish to contact our support team directly to seek more clarity, feel free to reach out to [email protected] and we will work diligently to address them. Thank you for giving us the opportunity to improve our service.

  Customer Answer

  Date: 08/01/2024

  I am writing to express my continued dissatisfaction with the services provided by Credit Stacking and to reiterate my request for a full refund. Despite previous communications, the core issues remain inadequately addressed. The course content and services were grossly misrepresented, falling significantly short of the expectations set at the point of sale. I dispute the claim regarding my consumption of the course material and assert that the value promised was not delivered. The lack of accessible and effective support has critically impacted the utility of the course.
  Additionally, the unresponsiveness and unfulfilled promises regarding credit repair services, widely reported among members in the FB group, highlight a broader concern about the integrity and ethical standards of Credit Stacking. Moreover, my experience has been further marred by persistent billing issues facilitated through your choice of a financing company known for its questionable practices. Despite settling my account independently, Credit Stacking's continued engagement with this finance company raises serious concerns about your organization's integrity and commitment to customer satisfaction.
  I am also compelled to mention the misleading practices related to additional costs for Pro members, where promised services are tied to subscriptions with an overpriced, subpar credit report agency. This lack of transparency further substantiates the deceptive nature of your business operations.
  Given the persistent issues and the overall impact on my experience, I am requesting a full refund. The service has not only failed to meet the promised standards but has also necessitated considerable effort on my part to address deficiencies that should have been managed by your team. Please treat this matter with the urgency it requires, as I look forward to a prompt and fair resolution. Thank you for your attention to this matter.

• Initial Complaint

  Date:10/24/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was promised by the director of sales on April 13th,2023 if I took the program I would receive 1 on 1 weekly consultations ,weekly zoom meetings and a road map to get business credit done by the founder and ****************** to answer questions, then told I would be given a in-house client relations manager. None of which came true. I tried for 4 weeks to get on the group ******** and was denied then zoom meetings 1st week okay then they were changed on ******** and I couldn't get in on zoom .called the director of enrollment he said you got 780 score got me to believe he could get me a lot of credit quickly. The weekly call with the client relations manager had him spend one minute saying I'm busy with other clients what do you want . Could never get a hold of him after that. The office finally called me said they issued a refund for the ******* back to my card I talked to him twice this was all lies then I was notified that they were trying to charge ******* more to my card . This company appears to be a bunch of con artists who take upfront money then totally undelivered ,and have numerous complaints that are not resolved.I want a refund immediately ,and totally don't trust people who take my money and lie about a refund of ******* for a program then try to get ******* more. Over charged , Misrepresented and numerous promises that were undelivered. That what Credit stacking by ********************* is all about. I guess .

  

  Business Response

  Date: 12/14/2023

  Hi *****,
  
  Thank you so much for your feedback. We found this very valuable and have made some necessary adjustments to our support services since then. We understand that this has been frustrating and we take all customer complaints seriously. As done previously, a refund has already been issued of the $3900 on November 1,2023. We will also investigate this situation further and take the necessary steps to ensure no one else feels misled or taken advantage of in the future. If you have further questions or concerns, please do not hesitate to contact us again.

• Initial Complaint

  Date:06/05/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Full payment in the amount of $1,000.00 on 03/02/2022 to credit stacking/*********, llc to Repaired my negative credit files with two major accounts: Broadview FCU/Capcom FCU and to remove all other late payments from all my other accounts. The told if I do make the full payment the will resolve and clear all negative items from the credit bureaus. The said within **** months period the whole problem will be solved and the have not done what I paid them to get my credit report clean with 100% as promised. I have try to several time talking with them and I asked for my REFUND but has refused to give me my $1,000.00 Here is the transaction details: Paypal ID ***************** Transaction details Print Payment sent to ********* 1, LLC March 1, 2022 at 11:15:44 AM PSTTransaction ID: ***************** Payment Status: COMPLETED Payment Type: Goods and Services Gross amount -$1,000.00 USD Shipping address *************************************************** D 61 ******, ** ***** ************* Confirmed Tracking Information Add the tracking info for your physical packages to keep things organized and help you benefit from seller protection. It is a win-win.Your Payment Gross Amount-$1,000.00 USD PayPal Fee$0.00 USD Net Amount-$1,000.00 USD Contact info ********* 1, LLC The receiver of this payment is Verified ************************************************************************ Payment Sent *********************************** Note to ********* 1, LLC Funding details Funding Source: -$1,000.00 USD - TXNBML

  

  Business Response

  Date: 12/14/2023

  • Hi *******,
    
    We are very sorry to hear that your experience did not meet your expectations. We understand the frustration you are feeling and rest assured that we will do everything we can to resolve this issue. So we were able to take a look at your status with the third party credit repair and it appears that you were due for another update however you cancelled the process on your end. In regards to your credit standing, it does take time to get your profile clear from those negative items. Unfortunately we are unable to make this process faster for you as once it is in their hands, we cannot do anything on our part besides communicate the steps provided to you. We understand that the time frame is not suitable to your expectations/desires. However, due to your profile it seems that the process needed to be extended. Due to this, we are happy to further explain and ensure that you receive more clarity as we want to make sure you can succeed. We want to help you in your credit journey if you are interested, we'd love to continue working with you

• Initial Complaint

  Date:01/05/2023

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was promised by ****, who turned out to be the *** (director of enrollment), many things such as 1 on 1 consultations once a week with their in-house client relations manager along with **** the designer of the program in order to structure the road map for me to be able to get the most out of this program. I was also told that I will have a personal point of contact who I will be able to reach out to at any point if I had any questions which needed to be addressed, the only point that poc reached out to me was almost 5 days later as an introduction text message and then have never heard from her since then even after several attempts via text, call and emails. The total cost of the program was $7800, of which I made a initial payment of $3900 through my debit account and had told **** that I wanted to be contacted before they take out the next payment which was to be done a month later. This program had great potential but due to their lack of communication I requested to opt out of the program after **** days of being enrolled and requested my money back. This request was sent via email and their representative had said that someone from the management will reach out to me, rather than hearing back from their management they processed a secondary payment through my debit account without getting authorization from me. I am still waiting to hear from their management in order for my request to be processed and had stopped viewing any of their content around the programs 2 *******************. I need this to get this issue resolved as soon as possible and just want a refund of my money, this team seems like a con and if their Director of enrollment can tell me such bold lies, which were definitely lies because on 1 email exchange with their customer service rep they had told me that they werent sure why **** had made such promises because they do not have 1 on 1 calls. I can only imagine what the rest of the enrollment team says and does to get peoples money.

  

  Business Response

  Date: 06/09/2023

  
  We received a complaint from ********************* requesting a full refund due to insufficient customer service and communication. We are personally reaching out to him to resolve the conflict and issue him a full refund. 
  
  
  Thank you!
  
  *****
  
  

• Initial Complaint

  Date:12/14/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to dispute a charge of $2000.00 to my credit card account on 10/24/2022. Unfortunately, Creditstacking.com billed my credit card billed immediately the wrong amount, customer service didnt disclosed clearly that my credit card would be billed immediately that it would be on a delayed payment agreement with installments, it a was misrepresented the sales agent billed my credit immediately used high-pressure sales tactics pushing for me to buy the most expensive options, and even to max out my credit card to pay for more expensive courses such as the Business Package.

  

  Business Response

  Date: 09/20/2023

  Dear ***************,

  
  

  We sincerely apologize for any confusion and inconvenience caused during your recent engagement with Credit Stacking. We take customer feedback seriously and have carefully reviewed your concerns.

  
  

  We regret that there was a misunderstanding regarding the billing process, and we acknowledge that the sales agent's approach *** not have aligned with our standard practices. We will address this internally to ensure it doesn't happen again.

  
  

  As part of our commitment to resolving the issue, we have initiated a full refund of $1,950 to your credit card. You should see the amount credited to your account shortly.

  
  

  Should you have any further questions or require any assistance, please do not hesitate to contact our customer support team.

  
  

  Once again, we apologize for the inconvenience, and we appreciate your understanding.