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:10/21/2024

  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.

  Nature of the Dispute:The dispute with Safe Credit Solutions arises from their fraudulent billing practices and failure to provide the promised services. After canceling their services in August 2022 due to lack of communication and no improvements to our credit, the company randomly attempted to charge us again two years later in 2024 without any prior communication. Despite not having any interaction with them since cancellation, they claimed to our bank that we were still using their services.Attempts to Resolve:We disputed the charge with our bank, as we had not used their services or communicated with them in two years. The business has not contacted us to resolve the issue or provide any valid explanation for their unauthorized charge. In fact, they falsely asserted to our bank that we were still active ************ of Transaction:The latest charge that triggered the dispute occurred in 2024, two years after we had officially canceled.Cancellation Date:We canceled our subscription with Safe Credit Solutions in August 2022 after realizing they were not delivering any results or maintaining communication.

  Business Response

  Date: 10/24/2024

  We appreciate you bringing your concerns to our attention, and we apologize for any inconvenience caused by this issue. We sympathize with your experience regarding a charge that was made in Oct 2024.
  The situation seems to have thrown its roots back to September 2022, when you filed a chargeback with your bank, we tried to contact you several times previously before that situation since that Chargeback was for the service we were providing to you, regardless of the compliance of your expectations, we were helping you in your credit repair services, based on the expectations we deliver to all our clients about this process, and you had important and considerable results during the few months you worked with us.
  Addressing chargebacks with our clients involves extensive communication between us to amicably resolve such issues, however,there seems to have been a communication breakdown or omission in your particular case that left you charged unexpectedly in 2024.
  Furthermore, we shall also shut down your account in our system such that no further charges shall take place in your name. This is going to be a preventive measure against any charges made in your name.

  Please if you any questions or comments do not hesitate to contact us to our phone line, 

  **************

  1-************

  Best Regards

   

  Customer Answer

  Date: 10/25/2024

   
  Complaint: 22455193
  
  I appreciate your response, but I would like to clarify that I canceled our subscription in August 2022 due to concerns with your companys lack of professionalism and poor communication. At that time, I expected all services, communication, and payments to cease immediately ( Which they did) For over two years, I've had no contact with your company nor used any services.
  
  To my surprise, i was charged $99 in October 2024. Since this amount does not align with the monthly fee I would expect if i were an active client, this charge appears baseless. Additionally, your claim to my bank that I am currently utilizing your services is inaccurate and misleading. This charge was unauthorized and constitutes fraud.
  
  I expect a prompt refund of the $99 charge. Any future attempts to bill me will not be tolerated. 
  
  Sincerely,
  ****** *******

  Business Response

  Date: 11/05/2024

  Dear ****** *******,Thank you for your email. We deeply regret any inconvenience this has caused.Addressing your concerns:Your subscription was duly canceled in August 2022, and we accompanied it with our understanding that all services, communication, and payments were expected to become nullities from that time.October 2024's $99 charge was a regular monthly fee, which also has no merit whatsoever; nonetheless, an error is evident.We confirm no notice was given to your bank saying that our services were in fact being utilized by ****** should be taken under consideration that a chargeback was processed, and the $9 9 was already adjusted in your favor. Thus, there is no need for a correction.We have gone ahead and closed your account on our end to prevent any future billing.Thank you for bringing this to our attention. 

  We appreciate your understanding.

  Customer Answer

  Date: 11/17/2024

  Complaint #********
  
  I am rejecting this response because no refund of $99 has been returned to my bank account. Furthermore, contrary to your statement, your organization did provide inaccurate information to my bank. I have called multiple times and spoken to different employees, all of whom confirmed that no notice was sent from your end to indicate that the charge was an error or that your services were not being utilized. 
  
  

  Business Response

  Date: 11/22/2024

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

  As previously communicated, a chargeback was initiated for the $99 amount in question. Due to this chargeback, we are unable to process a direct refund from our end.
  Additionally, it appears there has been a misunderstanding regarding our communication with your bank. Our records indicate that no notice was sent from our organization to your bank concerning this transaction. Furthermore, the bank has already pulled the $99 from our facility as soon as this action was performed because this is part of the chargeback process.
  We regret any confusion and inconvenience this may have caused you. We recommend reaching out to your bank directly for further clarification on the chargeback process and any next steps.

  Kind Regards 

   

• Initial Complaint

  Date:06/27/2024

  Type:Customer Service 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 been working with Safe Credit Solutions since June 30, 2023 and during that time the changes to my credit have been minimal. On April 10, 2024 I called to address my concerns with process with the intent to cancel my services and I was given the run around and convinced to continue my services. Since I aired my grievances, nothing has changed. Today on June 27, 2024, I called the customer service line again with the intent to cancel my services. I have been on the phone for over and hour and the customer service representative was initially refusing to cancel my services. Once I mentioned the Better Business Bureau she put me on hold and came back and said that my services are cancelled. I asked for something in writing to ensure that we are on the same page and I will not get charged. She refused to give me anything in writing and kept saying that their policy is not to give anything in writing. I found it absurd and asked to speak with her superior she said no one was available and I said I would hold she then raised her voice and gave me an attitude and told me I have to wait. She claimed someone would reach out to me in the next hour. I informed her that if the matter wasn't resolved in the next hour I would be reaching out to my legal team.

  Business Response

  Date: 07/02/2024

  Hope this email finds you well, we want to apologize for the inconvenience that this situation may have caused you, we proceeded to investigate your case, starting the moment that you joined the program back in June 2023, please consider that the results achieved are great! considering that everyone's credit is unique along with the facts that we explained to you in our conversation. As part of our responsibility and continuous training to our representatives- to deliver a high quality standard communication with our clients , we proceed to audit the interaction with our customer service representative that you held on Thursdays 28th and it is worth to mention that we understand that you required a cancellation's document, please consider that your accesses to your portal web have been deactivated, therefore, if you try to login, you'll see that as per your request you are no longer part of our program, yet, we respect your decision about not continue the credit repair service. Finally, to confirm, we want to kindly let you know that we have already canceled your subscription as requested.

• Initial Complaint

  Date:04/01/2024

  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.

  I signed up for Safe Credit Solutions for credit card debt relief and found their program does that work for me. It was stated that I can cancel at anytime. *** sent multiple emails over the last 5 months, called numerous times and left voicemails, and no one has gotten back to me I just keep getting charged every month. This is not okay. I want my membership cancelled and reimbursement for the amount of months Ive been calling asking for a cancellation

  Business Response

  Date: 04/02/2024

  Hi ********,
  Hope this email finds you well, we want to apologize for all the inconvenience that this situation may have caused to you, we proceeded to investigate your case,going back since the moment that you joined the program back on September, 2023 and we must say that we dont have any record via emails nor calls related to your request, if that would occur, we would have contacted you since our **************** team is ready to assist to our clients and help you with this matter. The only request that exists is the email received last Sunday, March the 31st, yet we try to contact you back, but we had no response. We want to kindly let you know that we already cancelled your subscription as requested.

• Initial Complaint

  Date:02/05/2024

  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.

  I originally reached out to Safe Credit solutions in November and opened my account. Safe ********************** is a credit repair company, at first everyone was reachable and very attentive. After a month I noticed that nothing was being done, or being done correctly and I tried to reach out to my service rep to cancel my subscription, I emailed her at first, receiving an automated response that a note had been placed in my file, I tried to log in to check the note but it gave me an error, said my account was no longer active. I took this as my subscription was cancelled and went about my day. The following day my bank was withdrawn again and this is where the nightmare starts. They do not answer phones only to new customers otherwise they ask you to leave a message, I go in my account to that is active again and write a note asking to cancel, I write emails and nothing. They only place notes on my account that I dont answer the phone when they try to reach out and that is not true. I have exhausted all forms of communication with this company I even had to change my bank account. I need a confirmation from them that they have canceled my subscription and for them to stop sending me emails that my card is not able to be charged. I do not want a collection letter coming because I fear this is next. I honestly believe this is a pyramid scam. There is no way I am not able to get someone on the phone or a human to answer my email and have communication. Please cancel my subscription. I was told by *********************** at the beginning i could cancel anytime.

  Business Response

  Date: 02/12/2024

  Hi *****,
  Hope this message finds you well, we want to apologize for all the inconvenience that this situation may have caused to you, regarding this, apparently between December 2023 and the first days of ******* ************************************************* our files, therefore, it was posted in your SCS web portal that we tried multiple time to reach you but, it was not possible. We understand the responsibility of this situation, and again, we want to let you know that we already cancelled your subscription as you requested last week, February 6th, that an interaction was held with one of our ******** Services representatives.
  The refund of the $99- individual subscription for the month of ******* was already applied.

  Best Regards. 

• Initial Complaint

  Date:09/01/2023

  Type:Customer Service 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.

  - Credit repair subscription started 9/1/2022 - Over the past year I have paid this company $1,200. $100 automatically charged on my card. - The business committed to helping dispute negative items on my credit. They said within the first 3 months I would receive dispute letters. They give you access to a portal to check progress and there was no aparent progress until my first attempt to cancel. After paying all of that money there has been little to no impact on my credit, I keep calling them to cancel but they refuse to do so. - I just want to cancel my subscription and go to another business who can provide me with the service that was promised. - I have been on the phone with them for hours but they just deflect and try to get you to stay. They refuse to tell me the steps necessary to cancel my account because " My motive for cancellation is unclear" - After reading reviews on ****** and other sites, I found that I am not the only one and there are hundreds of people claiming the same situation and inabillity to cancel.

• Initial Complaint

  Date:05/24/2023

  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 have been with this company for months that offered to repair my credit but I have tried to call to cancel my service as a consumer I am not happy with the service received since I paid ******************************************************************************************** phone and they don't answer me.

• Initial Complaint

  Date:09/22/2022

  Type:Product 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 inquired about repairing my credit. I wish to not continue with their service. They would not allow me to cancel and kept charging me 100 each month