Complaints

This profile includes complaints for Credit Saint, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Credit Saint, LLC

  250 Pehle Ave Ste 200 Saddle Brook, NJ 07663-5835

  
• 

  Credit Saint, LLC

  PO Box 110 Oakland, NJ 07436-0110

  

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:04/07/2025

  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.

  Contracted with Credit Saint (CS) on 07 December 2024. They were provided all the requested materials and information in order to pursue four specific disputes. To date not one has been removed; the credit reporting agencies (CRA) have not sent me any declinations as required by the Fair Credit Reporting Act; Credit Saint has refused to provide me with any evidence of having filed the disputes; the only evidence of any activity are letters from the three CRAs alleging they have an inquiry from a third party but are not willing to recognize it as legitimate. In short: they don't recognize the authorization I've granted CS. This last matter has only happened once with each CRA which alludes to possibly only one submission since December and begs whether the above, submitted to CS for them to pursue was even acted upon. CS is alleging they've submitted these disputes three times for three 25 day cycles. This complaint is about performance before money...either they evidence they've actually challenged the four disputed matters; evidence the CRAs declination or return all that I've paid to date.

  

  Business Response

  Date: 04/18/2025

  We have tried to reach out to this client by email and phone calls over ten times, with no response. Please give us a call, we are eager to address your concerns and take excellent care of you.

• Initial Complaint

  Date:04/02/2025

  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.

  This company is a money hungry scam system. They randomly charged me $195 without any authorization and once I called to ask why that was done they cancelled my account that I didnt even authorize and told me they couldnt refund me because I signed for it. I DID NOT SIGN FOR ANYTHING.

  

  Business Response

  Date: 04/03/2025

  Before receiving this complaint, we had already spoken with Mr. **********, to confirm his account was cancelled and refunded. Thank you for giving us the opportunity to review your enrollment with us. 

• Initial Complaint

  Date:03/26/2025

  Type:Product 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.

  I’m extremely disappointed with my experience using Credit Saint. I signed up hoping to see improvements to my credit report and gave the service a fair chance. After nearly three months and $594.97 paid within their 90-day refund policy, not a single item was removed from my report. After that, I was charged an additional $139.99, bringing my total to $735. I reached out within the 90-day window to request a refund due to the lack of results. I was told they needed to re-check my credit report before issuing a refund, even though my dashboard clearly showed no progress. I trusted they were following through and would honor their policy. Instead, there was no follow-up. They continued charging me, and I never received a refund. Emails went unanswered, and every time I tried calling, the line was either busy or I was placed on long holds during working hours, making it nearly impossible to get through. By the time I finally spoke to someone again, I was told I was now outside the 90-day period and no refund would be given—even for the charges that came after my refund request. They also claimed they reviewed the call and said I never asked for a refund. That is a lie. I clearly and directly requested one. When I asked for the call recording or transcript, they refused. There was no escalation path, no resolution, and no acknowledgment of the truth. It feels like I was deliberately stalled and misled so they wouldn’t have to honor the refund policy. I paid $594.97 during the refund period, and $139.99 after, yet nothing was removed from my report and customer support was unhelpful. Even if they claimed there was a misunderstanding (there wasn’t), the right thing would be to refund. Instead, they altered the truth and denied me help. I followed their policy and got nothing in return. I’m requesting a full refund of $735, and if Credit Saint resolves this fairly, I’m willing to update or remove this complaint.

  

  Business Response

  Date: 04/10/2025

  We appreciate the opportunity ***** gave us to address and resolve her concerns. We spoke with ***** on 3/28/2025 to review our policies and procedures. As the client was only a couple of days outside of protocol, we have accommodated a resolution that is satisfactory to both parties. 

  Customer Answer

  Date: 04/14/2025

  Better Business Bureau:
  
  I accept the refund and consider the matter resolved. However, I want to clarify that the refund was issued in accordance with the company’s own policy — not as an exception, as stated in their BBB response. During our phone call, the representative confirmed that I requested the refund within the refund policy timeframe. I appreciate the resolution, but I do not agree with how the business has characterized the situation in their written response.
  
  Regards,
  
  ***** *****

• Initial Complaint

  Date:03/17/2025

  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 have 1 issue on my credit that they said they could help. "were different than the other companies". 5 months later not a thing was removed. The "updates" on their site just say "filed again" check back in 34 days, Absolute scam. 100s of the same complaint all over the net.STAY AWAY!!!! FRAUD!!!!

  

  Business Response

  Date: 03/31/2025

  We appreciate the opportunity EJ gave us to address and resolve his concerns. We reviewed his progress and the program and were able to reach a solution by backdating the client's cancellation with our service. 

  

  Business Response

  Date: 03/31/2025

  We appreciate the opportunity EJ gave us to address and resolve his concerns. We reviewed his progress and the program and were able to reach a solution by backdating the client's cancellation with our service. 

• Initial Complaint

  Date:02/27/2025

  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 enrolled in the Credit Saint Program over 90 days ago. In that time there were no improvements in my credit score. Additionally my credit score even tanked 60 pts. The other issue that concerned me was that the reports on my page never populated -- I bought a service that was supposed to populate visually on my profile to I could see any removals/challenges etc on my report. In three months none of that info was visible to me. I sought a refund and they gave me a run around trying not to pay me. They transferred me to their audit team who said on we removed this and that but those removals did not show on my report that I could see through Credit Karma. I am also upset because they were supposed to send me a copy of the audit pages and the attachment I received did not open and I could not view it. Perhaps this is another tech error they seem to keep having. Credit Saint used to be a good program and I have used them in the past but this was not acceptable at all. I was repeatedly refused a refund and they kept trying over and over again to keep me in a program that was not working. Due to the poor tech issues and not seeing a change in my report I am due a refund as promised by Credit Saint. I did not get what I paid for or for what was advertised.

  

  Business Response

  Date: 02/28/2025

  We appreciate the opportunity ******* gave us to address her concerns. After a thorough discussion of her credit reports, the cause of her score drop and the overall results achieved we were delighted to see that ******* will be continuing her credit repair journey with us and look forward to our next scheduled follow up.

  
  

• Initial Complaint

  Date:02/24/2025

  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 called to inquire about credit repair and the salesman kept asking to take my information (very aggressive) and he would still continue to tell me more about the company. When I got my questions answered, I told him I was not interested in the service and would reach out to my creditors on my own (which I in fact did do) and make an arrange with them instead of paying a third party. Since he had my information, he billed me and MADE me a customer when he had knowledge that I refused the service.

  

  Business Response

  Date: 02/28/2025

  Thank you very much for not only bringing these concerns to our attention but presenting us with the opportunity to resolve this matter to your satisfaction. We have confirmed your account is cancelled. We were very happy to hear that you will be considering us for your credit repair needs in the future and wish you all the best!

• Initial Complaint

  Date:02/19/2025

  Type:Product 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 company is so dishonest in the trap thay set then kick you out of the portal that holds all communication and documents to verify work preformed thay keep changing you and when you challenge them thay hold the 90 day refund or no refund before 90 days please help me im just trying to repair my credit and this company is stealing money from good people. My grandfather had vacuum exchange in ogden ut and he was proud to have the bbb plaque on the wall in the showroom! This company advertised bbb so I thought i could trust thay would be honest thay are not!

  

  Business Response

  Date: 02/28/2025

  Since the writing of this complaint, we have had multiple conversations with this client. We are thankful for the opportunity to address and resolve his concerns. Next to delivering the best results in the industry, we deeply pride ourselves on providing a world class experience to each and every single one of our clients!

  Customer Answer

  Date: 03/04/2025

  
  
  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. They refunded 139.00 to me 
  
  Regards,
  ***** ******

• Initial Complaint

  Date:02/16/2025

  Type:Product 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.

  I want to cancel my account and request a refund.

  

  Business Response

  Date: 02/24/2025

  We spoke with the client a few moments ago and confirmed their account is closed as requested. The client was satisfied with the confirmation.

  Customer Answer

  Date: 02/24/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  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.
  
  Regards,
  
  ***** *******

• Initial Complaint

  Date:02/14/2025

  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.

  I hired credit saint to hlep with my credit score money back guarantee I been with them for 3 months not one charge to my credit score not one thing so I guess they cant help me, please refund my money

  

  Business Response

  Date: 02/25/2025

  The client originally requested a refund on February 13th.  We have made numerous attempts to call the client in order to finalize their refund request without success. The client's account has been cancelled and refunded in full. We regret that this client falls into the small percentage of those who do not see changes while with us, but simply answering or returning our calls would have resulted in the same outcome as filing this complaint. 
  

• Initial Complaint

  Date:02/12/2025

  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.

  The company has a 90 day money back guarantee if no changes have been done to my credit report, I reached the 90 day with nothing being done and requested a refund. I spoke with someone and they did an audit of my credit report and found that the "late payments" from my child support have been removed. I explained I agreed with my ex to sign a new order forgiving my arrears to specifically aid in repairing my credit. The woman I spoke with said she needed something in writing from my ex that stated that we agreed to have the arrears removed. I provided that, I also provided the signed order. After receiving what was requested the lady then said they wanted something from the ago stating the damages were removed due to my efforts. I called the ago and was told the only thing they would provide is the court order and a financial report. I tried to explain this to credit saint but they refused to give my refund without something from the ago.

  

  Business Response

  Date: 02/21/2025

  We have multiple attempts by phone and email to reach this client in order to review her case and discuss her concerns. However, we have been unable to reach her. Please dial in and ask to speak with a Manager, we will take excellent care of you.

  Customer Answer

  Date: 02/21/2025

  
  Complaint: 22934289
  
  I am rejecting this response because: I spoke with ********* the senior manager of client services. I explained to *********, I provided what the representative requested at the time of the refund request and was told those documents would be sufficient to receive my refund. ********* requested the same documentation that is not possible for me to obtain as I explained before. I refuse to accept credit saint's claims they did anything to help me as a customer after 90 days, and I find it too convenient that credit saint is claiming they removed anything only after I requested a refund. This "money back guarantee" ploy is a poor tactic used to pray on potential customers to draw them in and take advantage of with no intentions of follow through on what they are falsely advertising.  
  
  Regards,
  
  **** ****

  

  Business Response

  Date: 02/28/2025

  Thank you for taking the time to speak with us regarding your experience and concerns. Upon receipt and review of your documentation, we issued a full account refund in line with our 90 day money back guarantee and closed your account. We are thankful for the opportunity you gave us to investigate your concerns.