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:02/21/2025

  Type:Service or Repair Issues
  Status:

  UnresolvedMore 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.

  My card was lost I got a new card sent out and it was charges on my account that I did not make credit sesame disputed the charges that happened on my debit card when it was lost but didn't put the money back in my account and said something about my pin being safeguarded when I never gave my pin to nobody or I never wrote it down I don't know how someone got my pin it is so much scamming stuff going on and I'm just out of my money I have bills to pay car note rent I can't afford to lose money like that and I ask that this be opened back up and looked more into and that my money be put back in my account

  Business Response

  Date: 03/04/2025

  Thank you for notifying us about this customer's complaint.
  
  We investigated the chargeback claim and the transactions were fully authenticated with a card present and successful chip and pin authorization. As a result, these transactions do not have chargeback rights. These transactions are also consistent with past purchases.

  Customer Answer

  Date: 03/04/2025

   
  Complaint: 22972951
  
  I am rejecting this response because: of course the charges was made with the card because it was lost and the company miss heard what I said I said I never wrote my pin number down and I never gave nobody my pin some how somebody got it I don't know but I need my money back because I have stuff to pay and this company just don't care about if I get kicked out my house this is crazy and I will be contacting the news ********* things to let people know to stay away from this card and I will  publicly post things about this company on the bbbb and everywhere.
  
  Sincerely,
  
  ***** *****

• Initial Complaint

  Date:02/11/2025

  Type:Billing Issues
  Status:

  UnresolvedMore 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.

  Credit sesame dinged my SOFT SCORE, reduced by 127 points. When I click on the notifications it shows that it's from ***********. That account was written off, NOT CHARGED OFF due an automobile accident. I'll also be contacting the ***** to file fraudulent reporting on Credit sesame's behalf. Fix this, as this vehicle was written off due to insurance and no longer has a balance with Bridge Crest. If you do not I will be seeking legal action.

  Business Response

  Date: 02/19/2025

  This customer is confusing **********************, a ********************** monitoring service, with a credit bureau.  As a credit monitoring service, we inform consumers of the information that is reported on their credit report but we cannot verify the accuracy of the information or dispute inaccuracies that might appear on their credit report. The inaccurate information that the consumer is concerned about is from their TransUnion credit report.  The consumer can dispute the accuracy of the information on their credit report by calling TransUnion at ************.
  

  Customer Answer

  Date: 02/20/2025

   
  Complaint: 22926069
  
  I am rejecting this response because:This customer is confusing **********************, a ********************** monitoring service, with a credit bureau.  As a credit monitoring service, we inform consumers of the information that is reported on their credit report but we cannot verify the accuracy of the information or dispute inaccuracies that might appear on their credit report. The inaccurate information that the consumer is concerned about is from their TransUnion credit report.  The consumer can dispute the accuracy of the information on their credit report by calling TransUnion at ************.

   

  Firstly, I have checked my FICO SCORE WITH TRANSUNION. Secondly, I don't appreciate y'all telling me that I am confusing credit sesame, which is a SOFT SCORE RESULT or REPORT. I am NOT CONFUSED, and do NOT appreciate being belittled. That being said, there is nothing with *********** on **********. That case was closed out last you. Thirdly, you reported that Transunion dinged me 127 points. I can include a copy of my Transunion report to show that Credit Sesame's information is WRONG!!! I AM not CONFUSED and know the difference, as I am repairing our credit report, so that we can obtain a mortgage after selling this house and move back home. Credit sesame has reported inaccurate information, from transunion before. You import the info and put it on your soft score. Here let me show you the defition of your company, because you CLEARLY do not understand how your OWN company works. 

   

  Credit Sesame is a free online tool that helps people manage their credit and debt. It monitors credit reports, provides credit scores, and offers recommendations to improve credit.

  Features
  Credit monitoring: Tracks changes to credit reports and alerts users to potential identity theft 
  Credit score analysis: Uses AI to evaluate credit reports and explain how actions affect credit scores 
  Recommendations: Provides personalized suggestions to improve credit scores and lower borrowing costs 
  Credit comparison: Helps users compare credit cards and loans 
  Credit builder: Offers tools to help users build credit 
  Credit Sesame plans 
  Free: Provides access to credit reports and scores, and credit monitoring based on data from **********
  Sesame+: Includes identity fraud alerts, fraud resolution, and up to $1 million in identity theft insurance
  Sesame+ Complete: Includes access to all three credit reports and scores
  Credit Sesame's goal is to help people take charge of their credit and achieve their financial goals. 

  So you telling me, that I am confused??? I think you need to understand the full implications of you reporting false information that isn't even on transunion!!! 
  
  Sincerely,
  
  **** ****

• Initial Complaint

  Date:01/28/2025

  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.

  1. Lost my card, requested replacement card, never got it 2. To add money from my bank account, very cumbersome 3. My card is frozen, could not use it cause card is lost, please see complaint 1 4. Did not know they will take out 9.95 monthly for non use, it is not clear when signing up, my understanding was it is a secured credit card to rebuild credit 5. app and website hard to navigate, i am a web ui designer, by design confuse end user, my thought

  Business Response

  Date: 02/03/2025

  Thank you for notifying us about this customers complaint.
  
  According to our records, we have not received any requests or notifications of a lost Sesame Cash card.
  
  One of our representatives attempted to contact the customer by phone on 02/03/2025 to address their concerns directly. Unfortunately, the call went unanswered and a voicemail was left requesting a callback, along with a follow-up email. We have not yet received a response from the customer.
  
  Once we hear back from the customer, we will be happy to assist them with their concerns.
  

• Initial Complaint

  Date:01/15/2025

  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 contacted the business to cancel my account 2 years ago and request my deposit back. I sent all the info and never got an answer and meanwhile my account was still open and charging me monthly fees. They dont have a direct customer line and its very hard to reach out. I want to close my account now!

  Business Response

  Date: 02/03/2025

  Acknowledging the customer's concerns, communication regarding the account closure not being completed due to a balance was communicated back in June 2023 via email with no response.
  
  One of our representatives contacted the customer on 02/03/2025 and has addressed their concerns and the issue will be resolved shortly.

• Initial Complaint

  Date:12/02/2024

  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.

  credit sesame took my score down by several points transunion ******************

  Business Response

  Date: 12/03/2024

  Thank you for reaching out to us. We understand how important your credit score is and want to clarify what might be happening.
  
  Credit scores can fluctuate from month to month based on various factors, even if youre consistently paying your balances as agreed. Some common reasons for these changes include: credit inquiries, newly opened loans, changes in balances or high credit limits, and more. For more insight into the specific factors impacting your personal credit score, we recommend that you visit the My Credit page in your Credit Sesame account.

• Initial Complaint

  Date:10/29/2024

  Type:Product Issues
  Status:

  UnresolvedMore 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.

  On 9/19/2024 I attempted to withdraw $300 for a ALL POINT atm. The atm never dispensed the money. It was deducted from my account. I tried calling both atm and credit sesame but they were both closed. The next day I called the atm company. They reviewed the transaction while on the phone with me. They agreed the money was never dispensed. I call credit sesame. They email me the dispute forms. I fill them out and send them back. I asked about provisional credit. It took them 2 weeks to deny me that. I have called every week going on 7 weeks now. I haven't received an update on my dispute. The only response I get is there is no update.

  Business Response

  Date: 11/04/2024

  Thank you for notifying us about this customers complaint.

  According to our records, we have been in communication with the customer since they initially filed their dispute. We received and accepted their dispute, and we can confirm that an investigation is actively underway.

  Additionally, we issued a provisional credit to the customer on October 31st to provide temporary relief as the investigation proceeds.

  Customer Answer

  Date: 11/06/2024

   
  Complaint: 22486757
  
  I am rejecting this response because: the only communication I got was I was not approved for the provisional credit. It wasn't till after I made the complaint that y'all felt the need to give it to me. It's now past the 45 day ***** Guess what no update. If it wasn't for the BBB I would not have heard anything other than being told there is no update. 
  
  Sincerely,
  
  ***** *****

• Initial Complaint

  Date:10/18/2024

  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.

  Credit Sesame sent me an email at 5:30pm est on 10/17/24 and said they were closing my account. I called at 6:00pm est and ask for my funds to be released so I could take them out and they can have the account. They said it would take 15days to get my money. This is all the money I have in the world. I have bills. I need my money asap!

  Business Response

  Date: 11/04/2024

  Thank you for reaching out and notifying us regarding this customers complaint.

  We have been in direct communication with this individual several times since they first raised their concerns. As we previously advised, their remaining funds are on track to be received by the end of day today, November 4th, consistent with the original timeframe provided.

  To clarify, the account was closed due to deposit activity that violated our cardholder agreement, and multiple warnings were issued prior to this action.

• Initial Complaint

  Date:10/14/2024

  Type:Billing Issues
  Status:

  UnansweredMore 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 started receiving a $19.99 charge on my credit card for Credit Sesame on 7/27/2024. I have never had an account or agreement with this company. I have attempted to login with every email or number I have and no account. I submitted a requst to company on 9/8/2024, request ticket #*******, and have gotten no response and still getting charged monthly. I called their phone number during business hours and no answer from live person.

• Initial Complaint

  Date:10/07/2024

  Type:Billing Issues
  Status:

  UnansweredMore 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.

  DO NOT USE SESAME CASH!!! Sesame Cash destroyed my credit. I started Sesame Cash with depositing $300 in July. I used the card daily and added $300 at the beginning of each month. In September I received a late payment on my report which dropped my credit score 271 points. I called Sesame Cash and was told there was nothing they could do about it and given another number which was nothing but a recording. I them add more money taking my account to $590 in September and made no purchases until last night. Today I received a notification indicating a late payment for Sesame Cash. It states that I missed a $512 payment even though I did not make one purchase in September or October. I currently have $554 in Sesame Cash. My credit score is in the 400s and I am trying to move this month. On September 12, 2024 I had a defibrillator put in and will be getting a cath put in on October 9th. I am a candidate for a heart transplant. Now I am about to be homeless in a couple weeks because of the inadequate information Sesame Cash is reporting to the credit bureau. Sesame Cash is destroying my life for no reason. Im just ready to die right now.

• Initial Complaint

  Date:09/27/2024

  Type:Sales and Advertising Issues
  Status:

  UnresolvedMore 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.

  On Sept. 12, 2024, I spoke to a company rep. ***** ***** and purchase a business opportunity called The Online Cash Machine, for $37.00 dollars, the opportunity wasn't set out to be as he claimed, so I asked for a refund. After repeated calls and no response I decided to file a complaint.

  Business Response

  Date: 10/04/2024

  Thank you for reaching out to us. After reviewing your claim, we believe there may be some confusion, as we do not have a representative by the name Barry White, nor are we affiliated with a company called "The Online Cash Machine."
  

  We recommend double-checking the company information you have and reaching out to the appropriate business.

  Customer Answer

  Date: 10/05/2024

   
  Complaint: 22346746
  
  I am rejecting this response because: Mr. White, probably, doesn't work there anymore, I haven't been able to reach him over the phone (206) 774-4749, before I filed this complaint, he told me he worked for Credit Sesame, I purchase The Online Cash Machine for  $37.00 dollars. Thank-you
  
  Sincerely,
  
  Booker Sanders