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:10/02/2024

  Type:Service or Repair 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.

  Me recomendaron este negocio y cuando conoc a la seora ****** me pareci muy carismtica y me brind una seguridad le entregu los primeros 1000 dlares dice que 45 das estaba resuelto el problema pasaron 4 meses no resolvi nada. Despus ms ****** dice que haba q esperan q reportaran el crdito y **** misma me llam y me dijo que ya haba subido el crdito todo listo y resulta que **** tiene un programa de nios de kindergarden para mirar el crdito es falso es todo un programa de mentira cuando crees que resolviste todo ests atrs peor que cuando empezaste. Despus todos los meses sigue cobrando sabiendo que no hacen nada. No pierdas el tiempo ni el ******. La respuesta ********* es yo no soy maga pero el da de cobrar no hablo as.

  Business Response

  Date: 10/02/2024

  Throughout our work, we at Credit Supreme made significant progress, including successfully removing several collections from your credit report, totaling $11,932.  This is a substantial improvement, and it reflects our genuine efforts to help her family member achieve a better credit standing for only $65 a month. Credit repair is a complex process that depends on multiple factors, such as creditor cooperation and credit bureau timelines, and while we always aim for timely results, the exact timeline can vary for each individual. It is also important to clarify that the person writing this complaint is the niece of the client, and may not have the full scope of the conversations and the comprehensive understanding of what was being done on the family member’s account. I remained in consistent contact with our Client throughout this process, providing information and updates whenever they were available.

  
  Regarding the payment for our services, I strive to be as transparent as possible about the costs and the work involved. The tools we use to monitor credit are reliable industry-standard tools. I also acknowledge that my comment about not being a "magician" might have come off as insensitive. It was intended to convey the challenges and limits of the credit repair process, not to diminish the work being done or your concerns. For that, I am truly sorry.

  
  My focus has always been on providing the best service I can to help clients improve their situations. If there is anything I can do to further address your concerns or clarify any outstanding questions, I would be more than willing to do so. 

• Initial Complaint

  Date:08/15/2023

  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.

  I Just wanna say the company is 100 % misleading and nothing but hidden agendas to start off i notice the website has all 5 star comments which u can notice there are comment that say the same exact remarks as others with diff names which is misleading and i didn't notice until 2 months later they want u to keep making payments for no results then they throw in the loop how u have to pay a credit monitoring service which should be in payment if thats the case not after u pay them then they mention they cant send over any information without a 3rd party paid for the information to be put on they website. I have family in washington and the federal bureau who i will be passing information over too because people work too hard for businesses to legally be scamming working people this is the reason why people credit is bad now trusting in companies that mean no good and only set u back more i cant even go over all the lies and misleading information just listen to my warnng. Do Not i repeat Do Not even attempt to use they service walk , or run far far away and save ur money and do the work urself just go on *******

  Business Response

  Date: 08/15/2023

  There are no hidden or misleading agendas on our end; our core objective is to genuinely assist our clients. The reviews showcased on our website stem exclusively from current and past clients who have actively participated in our program.
  
  In reference to the specific case of Lamonick ****, he commenced his engagement on 07/06/2023. Regrettably, the first update was delayed until 08/08/2023 due to a billing-related issue. Our billing structure adheres to the principle of billing in arrears, which implies that we provide our service, namely dispatching dispute letters on the client's behalf, and then bill for the service after a month's duration. This billing approach was communicated verbally upon initiation, is available on our website, and is explicitly outlined in the client agreement signed by ************. Contrary to the complaint's assertion, the billing cycle was not two months.
  
  Per the agreement, specifically detailed under "a. For Buyers that purchase our Credit ****** Services," the terms state the initial charge of $79.99 is processed within ten (10) days of executing the Agreement. This fee covers a comprehensive range of services including the evaluation, credit coaching, portal input, and document processing. Additionally, the Agreement outlines a monthly fee of $79.99, which covers the performance of services such as creation of disputes, document processing, and challenging negative items on the buyer's credit report(s) in accordance with the selected plan.
  
  The Agreement further clarifies that a Company-approved third-party entity grants us access to Buyers credit report(s) for the preparation of dispute letter(s) without necessitating a credit inquiry. Moreover, it is explicitly stated in the Agreement that late fees, interest, and attorneys fees (if collection is required) may apply. These fees are structured as follows: Late Fee (if payment is not received within 24 hours of the first attempt) $15, Chargeback Fee $45, and Collection Processing Fee $45.
  
  Furthermore, the Agreement includes a Refund Policy, as outlined in Section 5. According to this policy, provided ***** has made timely payments as specified in Section 3 and is in full compliance with the Agreement, if Company does not remove any negative item from Buyers credit report within ninety (90) days of Buyers execution of the Agreement, and after completing three consecutive months in our credit repair program, Buyer may request a refund of all money paid to Company up to that date (excluding the startup fee). This refund is contingent on the condition that ***** has completed three rounds or three months in our program and has made a total of four payments, including the startup fee. The refund amount shall not exceed the total amount paid by Buyer to Company during the ninety (90) day period. It's important to note that Company retains the right to void a refund if ***** fails to follow the instructions provided by Company.
  
  The mention of information dissemination to a third party is inaccurate. ************ independently enrolled in Smart Credit for Credit Monitoring. This process necessitates him to provide responses to security inquiries and disclose his full Social Security Number, information that Credit Supreme does not possess.
  
  Presently, an outstanding invoice remains open for **************** account. If the invoice remains unpaid, we will regrettably be compelled to involve a collections agency. We are fully open to scrutiny from any agency, as our operations strictly adhere to the guidelines outlined by the Credit ****** Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA).
  

  For your reference, attached is the signed and dated copy of the client agreement, which outlines the terms and conditions of our services in full detail.

  We extend our well wishes to ************ on his credit journey.
  
  Best regards,
  *************************
  Credit Supreme

• Initial Complaint

  Date:06/13/2023

  Type:Billing Issues
  Status:

  ResolvedMore 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.

  This business, credit supreme, has false and misleading claims, including predatory practices. On their website there is no fine print, and no details on their return policy, or guarantee. After they took my money, the communication was few and far between. At times going over a week without responding and neglecting my communications on numerous occasions. Only when I threatened ti cancel, did I receive any timely communication. I received two physical letters from my only two collections agencies I have, stating they do not work with credit supreme, and that they had sent out identical templates they use with all their clients. They will not work with CS. Credit supreme stated I would have personalized letters, and a dedicated agent. false. After trying to get more information, CS sent me paragraphs of copied and pasted texts, with excuses as to why they were conducting such business. They also acknowledged that they do have some credit companies that dont work with them, and mine was one of them. After multiple attempts of trying to get through to someone, I asked multiple times (4 In total) if I can cancel my membership and I was met with resistance and push back in trying to cancel. Finally they apologized and approved but stated I needed to pay more money, even after my credit company stated they will Not work with credit supreme. They have a lot of false advertising, no fine print on the site, just very general statements that are not explained thoroughly, and are quite frankly predatory. Remember they are suppose to helping people who are trying to fix their credit, not rob them for more money. Overall this has been a horrible experience, everything from the lack of communication and professionalism on credit supremes end, as well as the headache of just trying to stop this whole process. And now they want to charge more for said services,after my credit company sent me letters months ago saying they will not work with credit supreme.

  Business Response

  Date: 06/13/2023

  I am writing in response to the complaint filed by ********************* regarding their experience with our company, Credit Supreme. We appreciate the opportunity to address the concerns raised in the complaint and provide accurate information regarding the situation.
  
  We have thoroughly reviewed the details of ****************** interaction with our company, and we would like to clarify certain points that were raised in their complaint.
  
  Firstly, our website does provide detailed information about our services and guarantee. We take transparency seriously and ensure that all necessary information is accessible to our customers. 
  
  Regarding communication, we place great emphasis on maintaining regular contact with our clients and ensuring prompt responses to their inquiries and concerns. ********************* was specifically provided with the direct contact number of their dedicated Credit Repair specialist, *******, to facilitate easy and direct communication.
  
  However, upon reviewing ******** records, we discovered an isolated incident where he did not receive communication from his assigned credit specialist, *******. We have identified that this lapse in communication was due to some personal circumstances that temporarily affected our ability to reach out to ******. We deeply regret any inconvenience caused during this period and sincerely apologize for the delay in addressing his concerns.
  
  To ensure efficient communication, we provide all our customers with access to a dedicated customer portal. This portal allows them to view changes, access their credit reports, utilize the message board, and enjoy various other features. 
  
  In terms of communication frequency, we typically reach out to our customers once a month to provide updates on any changes regarding their credit file. We believe in keeping our clients informed and empowered throughout the credit repair process.
  
  In regards to the collection agencies, we work with a network of reputable partners to assist our clients with credit repair. While it is true that certain collection agencies *** not work directly with us and need to speak with the customer directly, we endeavor to provide personalized solutions within the scope of our partnerships. We apologize if there was any confusion or misunderstanding regarding this matter.
  
  Regarding the cancellation process, it is our policy to accommodate cancellation requests from our clients. However, ****************** request for cancellation was made prematurely, prior to completing the minimum required period for our services. As stated in our contract, to qualify for a refund, we require a minimum of 90 days to work on a client's credit report. Therefore, ********************* is not eligible for a refund based on their premature cancellation. Which several attempts were made to explain this to **********************
  
  Regarding the claim of additional charges, it is important to note that the charges were associated with the work already performed on ****************** file up until the point of cancellation. These charges are in accordance with our billing structure, which follows an arrears system. We apologize if this was not communicated clearly, and we will strive to provide more explicit explanations in the future.
  
  At Credit Supreme, our mission is to help individuals improve their credit and achieve their financial goals. We take customer satisfaction seriously and continuously strive to enhance our services based on customer feedback. We regret any negative experience ********************* *** have had and assure them and the BBB that we are committed to addressing their concerns.
  
  We would appreciate it if the BBB could provide ********************* with the necessary information regarding our response to their complaint. If there are any further inquiries or documentation required, please do not hesitate to contact us at ********************************** We value the BBB's role in facilitating communication between consumers and businesses.
  
  Thank you for your attention to this matter, and we remain committed to providing high-quality services and addressing any concerns that *** arise.
  
  Sincerely,
  
  ******************
  Manager
  Credit Supreme

  Customer Answer

  Date: 06/14/2023

   
  Complaint: 20179560
  

  I am rejecting this response because:
  
  Let me start off by saying that I really tried to give Credit Supreme the benefit of the doubt, but time and time again they have proven to contradict their advertisements displayed on their website and Instagram and provide failed to provide the customer services they "strive" for. 

  I am fully aware of their 90 day refund period, however due to the gross negligence, I was not able to get in contact with my agent sooner to get this resolved. In fact, not once did my agent EVER reach out to me, I ALWAYS initiated all communication. 

  They claim to "strive" for customer service, however again, attached is another example how my agent *******, did not get back to me for 3 days, when he said he would, and as usual I had to reach out multiple times to get in contact with him. So their claim is false as usual; this is not an isolated event.

  Due to the lack of responses, this lead me to lose faith in the company, which by the way claims on Instagram that they remove everything from student loans and credit collections accounts in the 10's of thousands, and even goes as far as saying they guarantee it. However my creditor flat out said they will not work with Credit Supreme PRIOR to May 1st (and have sent multiple letters); if only I could have gotten in touch with my agent in a timely matter I would have been able to cancel sooner. (see attached image)

  Then come to find out, they sent the EXACT templates they use with other customers, to the only two creditors I have. On their site it is advertises as "customized" and "personalized" experiences. False advertising. 

  I'd like to know what services are being claimed as provided as both of my creditors have reached out to and stated that they do not work with credit repair companies. The false pretense of paying for another month to reach the 90 day return policy is only a ruse for collecting another monthly payment with no results. 

  If they truly cared about any customer service, they would see that its been a horrible experience from day one. In over two months, I never even received one call from my agent when he said he would call. We've never even spoken on the phone. 

  I had to harass him for over a week to even review the first round of reports, which was a over week late and led to literally zero results! Quite frankly this is ridiculous. They claim to care but really could care less, and seem to have potentially inflated ****** reviews. 

  I really want to put an end to this, it has caused more grief and stress than anyone should deal with. 
  The only way I can agree to close this, is for Credit Supreme to keep the two payments of $99 each.

  However I am not paying any more money to this company due to the reasons listed above. To reiterate, I tried to get in contact with my agent, and I received the communications from my credit company prior to the first of May.
  I don't want a refund at this point, but I refuse to continue paying for false services - especially under these conditions. 
  

  I ask that you seriously consider this, so we don't need to further complicate this matter.

  I would be forever grateful if I never hear the words Credit Supreme ever in my life again. 
  
  Sincerely,
  
  *********************

  Business Response

  Date: 06/19/2023

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

  Thank you for expressing your concerns regarding your experience with Credit Supreme. We understand your frustration and disappointment with the level of service provided, and we sincerely apologize for any inconvenience or miscommunication that occurred during the course of your engagement with us. We take your feedback seriously and strive to continuously improve our services. We regret any lapses in communication and the delays you experienced in reaching your assigned agent, *******. This is not the level of customer service we aim to provide, and we apologize for any inconvenience caused by these instances.
  

  We acknowledge your concerns about the customization and personalization of our services. While we do use templates as a starting point for the dispute process, we also tailor our approach to each client's specific credit situation. However, we understand that this may not have met your expectations, and we apologize for any confusion or misunderstanding.
  

  We value your feedback and take it as an opportunity to learn and improve. At this point, we are willing to honor your request to close your account without any further payments. We understand your decision, and we want to resolve this matter in a way that respects your concerns and eliminates any further complications.
  If there are any additional concerns or if there is anything further we can do to assist you, please feel free to reach out to us directly. We appreciate the opportunity to address your concerns and resolve any outstanding matters.
  

  Thank you for bringing these matters to our attention, and we apologize for any inconvenience or distress caused. We hope that we can learn from this experience and take the necessary steps to better serve our customers in the future.
  

  Best regards,
  
  ******************
  Credit Supreme

  Customer Answer

  Date: 06/21/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  

  Thank you Credit Supreme and to all involved. 

  
  Sincerely,
  
  *********************

• Initial Complaint

  Date:02/13/2023

  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 hired Credit Supreme to fix my credit as it took a hit due to COVID and I had to rely on credit cards due to being laid off. After months of going by and not having any negative items removed off my credit report. I told my credit specialist I was no longer interested in the service in January. I then get a charge for the service in February. I emailed the company and told them I would like a refund and again to cancel my membership. They have a money back guarantee. Im just asking for my money back due to them not being able to help me and remove any items off my credit report.

  Business Response

  Date: 02/14/2023

  ******************** did in fact reach out to cancel on January 4th (note this would be day 60 of his enrollment in our program) and was informed that in order to qualify for the 90 day money back guarantee, he would need to fulfill the invoice that was due on that day, and be in the program for another round of disputes as our refund policy is a 90 day money back guarantee. Not to mention, we did in fact yield results in the form of deleting hard inquiries from his report- this would also make the refund void. The payment never went through, until Friday February 10th (a month later). **** then reached out to request refund again and the policy was explained anew. We reject this complaint as our policies were explained thoroughly by 3 separate parties in our company, was completely disclosed prior to his enrollment, and is stated in his client agreement. 

  Customer Answer

  Date: 02/14/2023

   
  Complaint: 19397033
  
  I am rejecting this response because: Nothing was removed from my credit report.... my score has actually gone down. 
  
  Sincerely,
  
  *************************

  Business Response

  Date: 02/16/2023

  Regardless of results, ******************** has always been aware that payments are billed in arrears- after labor is conducted and he was over a month late to his invoice due on 1/4. Additionally, per CROA regulations, we cannot guarantee specific results but we do provide assistance via coaching and providing supplemental tools to improve our clients credit reports. 

• Initial Complaint

  Date:02/12/2023

  Type:Service or Repair 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 signed up with this company to help fix my credit. I later cancelled after i realize that their advertisement was false , they charge $ 75 per months and do nothing. I was told that the accounting department will see if i should receive a refund. fast forward to present, I notice that they placed a collection on my credit report for $ ****** The account was cancelled and I told them I no longer need their services . They should be put out of business for malpractice and false advertisement.

  Business Response

  Date: 02/13/2023

  ******************** enrolled in our program after one of our specialists explained our policies; per CROA regulations, we cannot guarantee specific results or how long the process will take. He was informed about our 90 day money back guarantee, which states that if after the results of the third round of disputes comes in, if we still have not deleted any negative items that appear on his report, then he would qualify for a refund. When ******************** requested to cancel, we had only sent out 2 rounds of disputes- this being 30 days from his enrollment. Not to mention, we did in fact manage to yield results in the form of removing a hard inquiry from his credit report. The reason ******************** is in collections with the $110 balance is because he processed chargebacks for payments he had already made to us. After not receiving any responses to resolve the matter, we were left with no other recourse. 

• Initial Complaint

  Date:01/27/2023

  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.

  I signed up for a credit repair service back in Aug. ******************************************************* with credit disputes and deletions to increase my credit score/report so I can be approved for things such as a new apt, car loan, etc. ??When speaking with my first credit counselor (******), he explained to me that their services would show some efficacy within 3-6 months and my credit score should be in the 700s within a year. ****** also stated that I would get personalized help and that he (my credit counselor) would be available 24/7 (not literally) to answer any questions/concerns that I may have.?On top of paying the $125 start fee in Aug. 2022 and $100 monthly fees consecutively, I was also paying $20 for SmartCredit every month which is a credit processing/reporting software run by Credit Supreme. I am now six months in and have had little to no improvements in my credit score/report. Ive been paying everything on time including their fees, but have had no physical proof outside of their online portal which reports monthly credit updates.?? I was randomly assigned a new credit counselor (*******) and thats when things started to take a negative turn. ******* was very negative and short with me and even went to insult me and my credit situation after speaking with him about something I was concerned about. When I asked to switch counselors, ******* refused the change of credit counselors and refused to provide me with any services that I was paying for if it was not with him. When I asked him to cancel me out of the program as he suggested, ******* stopped answering me and is now giving me excuses as to why it cannot be done. ?I expressed to Credit Supreme (*******) my concerns regarding services not being rendered as promised/expected based on what we agreed upon and not wanting any more money being taken out of my account because theres another withdrawal supposed to come out on Jan. 30, 2023, and have gotten no solid response.

  Business Response

  Date: 01/30/2023

  **************** claims to not have gotten any results in his tenure in our program, yet we have managed to remove a $3,300 collection removed from his credit report via disputes, meaning he has a great ROI with our program to begin with. Additionally, ****** and ******* never guaranteed any specific results, in accordance with CROA regulations as was made clear to **** on his initial conversation with ****************** to his enrollment. ****** account has been marked for deletion, and he was informed he still had a pending charge due on January 30th as we bill in arrears and this invoice is for labor conducted a month prior. All of this information was made clear to **************** prior to his enrollment, and is clearly stated in his client agreement signed by him digitally. 

  Customer Answer

  Date: 02/04/2023

   
  Complaint: 18942457
  
  I am rejecting this response because:

  The business has yet to contact me regarding my refund or the final payment that they took out after I cancelled because they "bill in rears."

  
  Sincerely,
  
  *********************

  Business Response

  Date: 02/09/2023

  We are in communication with **** to fulfill final payment and have not been successful as his card is continuously declined. We have offered phone call assistance, and the option to use another form of payment. 

• Initial Complaint

  Date:01/17/2023

  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.

  This company is a scam they sign you up take your money don't do anything to your account and then they refuse to let you cancel. I had to literally dispute the charges before they would cancel my account. And then they charged me and added it to my credit

  Business Response

  Date: 01/18/2023

  ******************** requested to cancel our program after a round of disputes were sent out. We explained to him we bill in arrears, and he had a pending charge that upon satisfying we would cease to send out letters on his behalf and thus not bill him any longer in accordance with CROA regulation. The final payment was never fulfilled and then we received a chargeback notice for the previous payments related to services rendered. We were left with no other recourse other than to send the debt to a collection agency, as is stated in the client agreement that ******************** signed. 

  Customer Answer

  Date: 01/20/2023

   
  Complaint: 18825511
  
  I am rejecting this response because:
  I was signed up with this company and in turn I had to sign up for another company that monitors your credit and responses to the disputes credit supreme submits on your behalf. The day I signed up a round of disputes were sent out and 90 days later there'd been not one response to any dispute and no movement it any other disputes filed on my behalf. I called several times over a month to no avail trying to get someone to cancel. When you call The number to the company they tell you they can't cancel, they give you another number to call and one answers. I left several messages and with no response. Claims I've just made ALL easily verifiable.
  Sincerely,
  
  *****************************

  Business Response

  Date: 01/25/2023

  ****** is incorrect. Our 90 day money back guarantee policy would not be applicable for ********************, because he was not in the program for 90 days (three rounds). He was informed that in order to qualify for the refund, he must complete that third round (90 days) if by then we had not yet succeeded in removing at least one negative item off his credit report, he would qualify without a problem. ******************** refused to pay for the SECOND round of disputes, which would then trigger the third round as we bill in arrears. Not to mention, he then processed chargebacks for the payments he has made to us prior. This has been explained to him ad nauseum. The invoice for the second round was due in July, and we gave ******************** until October to make the payment- which he never did. 

  Customer Answer

  Date: 02/03/2023

   
  Complaint: 18825511
  
  I am rejecting this response because:
  I didn't mention a money back guarantee in my complaint. I simply stated the only action taking"supposedly" was on the first day I signed up. 90 days later not one response to any dispute letter not one update to my account*verifiable. I attempted to cancel the service consistently for no less than thirty days*verifiable, before I could get a person in the phone to cancel. No services were rendered and I can prove that if necessary. Thank you
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:01/06/2023

  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.

  I signed up with someone name ***** and she was very unprofessional and immediately stopped responding to my messages after the first payment. Supposedly you can cancel at anytime but thats not true. I canceled 2 weeks before my account was to be billed yet they still processed the payment so I disputed with my bank then I received a collection notice for $175 which is ridiculous. I was only with this company for 2 months and I made two payments of $79.99 . This company claimed to have sent out letters but as of this day nothing was done on my behalf but them reporting me to a collection company and ruining my credit for money I dont owe them. Please investigate their practices because everyone cant be complaining about the same issues with this company. They are falsely billing for work thats not being done in the best interest of the customer. Never responded to my bank as to why the payment was legitimate but instead reported to a collection agency. They claim they tried to resolve then was forced to report but my only notification was from the collection agency. I have text messages with ***** to prove my services was canceled 2 weeks prior to payment being withdrawn and my knowledge was from a collection notice and not the company trying to resolve anything. This company is using a collection agency to further ruin my credit please help as you can see from a letter I received from trans union the dispute was so poorly written they considered it fraud.

  Business Response

  Date: 01/09/2023

  Ms. ****** stated in her complaint she requested to cancel 2 weeks before she was billed- this is true. It has been explained to Ms. ****** multiple times by different members of our team, that we bill in arrears in accordance to the **** regulations in place. This means, we provide a service (send out disputes on our client's behalf) and bill a month afterwards (specifically, ***** days). This information is disclosed prior to enrollment, and stated in our client agreement. If a client were to cancel AFTER disputes are sent but BEFORE they are bill for those disputes, they are still responsible for that final payment. Ms. ****** refused to cooperate and was ultimately sent to a collection agency because of this. 

  Customer Answer

  Date: 01/09/2023

   
  Complaint: 18688448
  
  I am rejecting this response because:
  I was only with this company from June 6 and I cancelled on August 3 . I made a payment in June and July of ***** . They never contacted me about this issue I received a balance due of $175.50 from the collections company and I immediately started texting ***** because I thought that was utterly ridiculous that this company that never worked on my case other than the initial round of letters that trans union thought was fraudulent.  in all these months I have not received any correspondence from the credit bureau . Again after they took my first payment the Rep stopped answering my calls or text messages. Only when I sent her that message to cancel and stop the automatic payments she responded. Everyone cant be wrong about this company . They never reached out to me about this matter and if so ( did you send a letter , called , emailed. No this company is fraudulent billing clients then reporting them to collections. Shameful 
  Sincerely,
  
  ***************************

  Business Response

  Date: 01/19/2023

  Multiple members from our team, including ****** & ****** have spoken to Ms. ****** ad nauseum explaining that we bill in arrears, and that the ** letter she received was a generic letter they send as a respond to our disputes that she hired us to send out in her behalf. The balance she now has in collections include the outstanding balance she owes us, plus a late fee for having not completed the payment, and the collection agencies fees. 

• Initial Complaint

  Date:12/07/2022

  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.

  August 16, 2022 a collection was added to my Transunion credit report by 12 Credit Supreme LLC. I have no affiliation with this company. Per further research, they are reporting a debt belonging to someone else with a similar name living in the same city I reside. Supreme Credit LLC continues to "verify" the debt of someone elses account on my credit report. Said person has a totally differently last name. I now have an "alias" name reporting to my credit report with a last name and addresses i've never been associated with.COLLECTION AMOUNT: $67 In accordance with the Fair Credit Reporting Act 15 ***************** Debt Collection Practices Act 15 U.S.C **** 12 CREDIT SUPREME LLC has violated my rights. 15 U.S.C **** section 602 A. States I have the right to privacy. 15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions 15 U.S.C **** Section ********************************************************************************************************************************************************* place known or which should be known to be inconvenient to the Consumer 15 USC **** Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

  Business Response

  Date: 12/08/2022

  The consumer who filed the complaint neglects to to inform that she did in fact sign up for our services, signed our client agreement, and violated said agreement by processing a chargeback on her fee paid to us on 7/3/22. We attempted several times to contact ************** (who signed up for our program under the name *****************************- and provided documentation to proof this is her name.The email she has submitted in her complain is the same email we have on file for her, and her number as well. ) The email she has submitted in her complain is the same email we have on file for her, and her number as well.) with no luck of reaching her. We would be happy to provide ************** with supplemental assistance in order to resolve this matter, should she be so inclined to respond to our messages or calls. 

  Customer Answer

  Date: 12/09/2022

  I have no affiliation with any named *****************************. My accounts are currently in special service department and have been for over 6 years for merged credit files. 
  

  this debt does not belong to me.
  Complaint: 18538832
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:09/23/2022

  Type:Service or Repair 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 started service to have my credit looked at and possibly repaired. I realized that after 30 days I didnt need their services and wanted to cancel. I then come to find out that they filed a report with the credit agencys that they claim to help people from against me for $100 because they stated they send out a round of letters in Feb. This compay is crooked and claims to help people clean up their credit when they themself ruined my credit even more. They also stare 90 day money back guarantee yet how is it that I owe them and they ruined my credit? **************

  Business Response

  Date: 10/10/2022

  This is Credit Supremes formal Response to ****************************************** Complaint with the Better Business Bureau. Credit Supreme is a Credit ******************* that assists individuals in preparing dispute letters to ensure that negative information listed on their credit reports is fair, accurate, and verifiable under the Fair Credit Reporting Act. Upon receiving this Complaint from ****************** ******************************* a Managing Partner from Credit Supreme carefully reviewed it and his case.  The allegations made by ****************** ******************************* are very serious and do not reflect the culture or policies of Credit Supreme.   
  In regard to the allegations of Credit Supreme not honoring the mutual contract that was entered on January 6, 2022 by ****************** ******************************* is incorrect. The Credit Repair Agreement that was signed by ****************** ******************************* in Section 3 under Fee Schedule states:

  3. Fee Schedule. There are no up-front fees charged to Buyer for any services performed by Company. All charges are for work that Company has already completed. Buyers required payments shall be the following:
  a. For Buyers that purchase our Credit Repair Services:
  i. $$75.00, to be charged within ten (10) days of execution of this Agreement, for Companys completion of Buyer evaluation, credit coaching, portal input, and document processing.
  ii. $$75.00 billed monthly (for a maximum of 11 months) for performance of the Services, creation of disputes, document processing, and challenging the negative items on Buyers credit report(s) for all accounts in buyers selected plan.
  iii. $14.99 billed monthly and payable to MyCreditEye, a third-party company, that ****************** access to Buyers credit report(s) to prepare Buyers dispute letter(s) without the need for a credit inquiry.
  iv. Subject to additional late fees, interest, and attorneys fees (if collection is required)
  

  The monthly billing amount applicable to each package referenced in this Section 3 will continue until the earlier of: (i) the date Buyer cancels this Agreement, or (ii) one (1) year from the date Buyer signs this Agreement, at which point this Agreement will automatically terminate.
  

  For any payment that is not made within five (5) days of its due date, or in the event of a chargeback or NSF fee, Buyer will be charged an additional fee of $10 in each instance plus the amount charged to Company by its financial institution for such chargeback or NSF fee.
  

  Time is of the essence with respect to all payments listed herein. Company reserves the right, in its discretion, to discontinue Services and terminate this Agreement if Buyer does not make timely payments pursuant to this Agreement.
  Section 4 of the Mutually Agreed Upon Agreement with this office states:
  

  4. Credit Card Authorization. ***** authorizes and agrees to allow Company to charge the credit or debit card provided to secure payment of fees, as outlined in Section 3, for Services performed, subject to the repayment terms and conditions of the card holder agreement for that card. Buyer understands that the information provided will be saved to Companys file for future transactions and payment of fees due by Buyer.
  ****************** ******************************* paid his First Work Fee $75.00 upon enrollment on 1/10/2022
  

  On March 15, 2022 ****************** ******************************* was charged $75.00 for performance of the Services, creation of disputes, document processing, and challenging the following negative items on Buyers credit report(s): late payment(s), hard inquiries, and Buyers personal information and this charge failed.
  

  This office has no record of ****************** ******************************* requesting a cancellation of his account prior to this complaint with the BBB.

  Please see attached Messaging Conversation log which shows our company reaching out to ********************** 4 times in 14 days with no response.
  

  Since we did not hear back and all communications seized with ********************** we were left with no choice but to send Mr. ********** account to collections for the agreed upon amount for the services that were rendered.
  

  As to ****************** *******************************, Credit Supreme considers this matter to be closed.
  

  Enclosed:
  1. Please see digitally signed Agreement by ****************** *******************************
  2. Image of ****************************************** Drivers License
  3. Message Log with ****************** *******************************