ComplaintsforCredit Saint, LLC
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Complaint Details
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Initial Complaint
09/04/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Resolved
I have been with credit saint for nearly 4 months now and if anything my credit score has gone down... I have tried all morning today to get in contact with a person for a refund/cancel my membership. I will reach out to the Department of Consumer Affairs in my State if I do not receive my refund and an immediate cancellation TODAY. This is absolutel garbage service.Business response
09/04/2024
We are unsure why the client filed this complaint. They were actively on the call with us while they filed this. The client apologized and stated they would contact BBB to have it removed and they left a happy client.Customer response
09/06/2024
I wish to mark this complaint as resolved. The business and I reached a fair agreement that I am happy with. Thank you for your time and assistance.Initial Complaint
09/04/2024
- Complaint Type:
- Product Issues
- Status:
- Resolved
Dishonest liars. I called to request a refund in exact accordance with their warranty. They had failed to repair anything on my credit report. They lied & refused to refund my money despite clearly failing. Their warranty is a scam & so is this entire business. Deceitful liars.I was with the company for 4 months & gave them every opportunity to succeed. I simply wanted my money back.Business response
09/13/2024
We reviewed your case and see that we resolved the matter to your full satisfaction during our call on September 4th. We strive to adhere to our warranty and work diligently to address all client concerns.
Our team is committed to transparency and effective communication. If there are any remaining issues or if you need further assistance, please feel free to reach out directly.
Thank you for your feedback, and we appreciate the opportunity to address your concerns.Customer response
09/13/2024
[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
08/06/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I want my account closed because of fraudulent activityBusiness response
08/06/2024
This is an extremely misleading complaint. This client never attempted to call us, email us, fax us, use our live chat feature on our site or even the paper cancellation form provided upon enrollment. Cancellations are easy and take only a moment of time on the recorded phone line to process and provide a confirmation number.
Even more confusing is that we dialed the client a total of four times in the month of July as their account is brand new and we are missing important documentation. We left voicemails each time.
This account is cancelled, but it is a shame that a consumer that hired us to help would leave a complaint of this level to hurt our reputation for the next several years, rather than using one of the many communication methods available with our company. This seems like a blatant misuse and abuse of the Better Business Bureau platform and the integrity of their system.
Initial Complaint
08/03/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I SPOKE TO A PERSON NAMED **** FROM CREDIT SAINT AND WAS ASKED TO PROVIDE SEVERAL ARTICLES OF PAPER TO COMPLETE MY HUSBAND AND MY CREDIT REPAIR, I ALSO SPOKE WITH SOMEONE NAMED ***** ON THE SAME DAY TO SET UP MY ACCOUNT AND SUCH. UPON EXPECTING MY CREDIT REPORT NOTHING AT ALL WAS DONE TO MY CREDIT.I TRIED TO CALL THE COMPANY SEVERAL TIMES BUT THEY ADVISED I DIDNT HAVE AN ACCOUNT, I CAN PROVE THE CHARGES TO MY CARD AND SHOW YOU THAT NOTHING WAS DONE AT AL ON MY CREDIT REPORT.Business response
08/16/2024
We have been attempting to reach this client since they filed this complaint. Our emails and calls have not been returned. We dial again yesterday and left a message. We would be happy to review this clients concerns. Please dial us back and ask to speak with a manager and we will take excellent care of you. Any resolution up to and including a refund if qualified would need to be done on the recorded phone line.Initial Complaint
07/26/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Dear BBB, I am writing to file a complaint against Credit Saint. In October 2023, I agreed to a 90 day free trial with Credit Saint to help remove late payments from my credit report. While they did not incorrectly charge me for the initial trial period, Credit Saint failed to deliver the promised credit repair services.I have now been a customer of ******************** for over 7 months, during which time I paid fees totaling $495. When I agreed to their services, it was with the understanding that Credit Saint would work to remove late payments from my credit report. However, despite the significant amount of time that has passed and money I have paid, Credit Saint has not removed any late payments. Each time I have tried to cancel my account, ******************** transferred me to another agent who claimed they needed to do a "deep dive comparison audit" and discouraged me from canceling by implying not to allow two credit agencies access to my report. However, I could have worked with another company but did not want two credit agencies in my report at once disputing on my behalf.I have made multiple attempts to resolve this directly with Credit Saint by requesting a full refund of the $495 I paid, since they did not fulfill their end of the agreement. But Credit Saint has refused to provide a refund, despite not delivering the promised credit repair services. They also cancelled my access to the credit portal leaving me unable to monitor any progress. Given that Credit Saint failed to diligently remove late payments from my credit report as agreed, even after being paid $495 in fees over several months, I am requesting the BBB's assistance to obtain a full refund. I called Credit Saint again today and was once more told no refund would be given. Please advise on next steps to resolve this issue. I appreciate any help the BBB can provide.Sincerely,LBBusiness response
07/30/2024
Thank you for taking the time to share your feedback. We genuinely appreciate the opportunity to address your concerns and clarify our policies regarding the services provided.
1. Clarification on Service Terms:
It appears there is some confusion regarding our service terms. Credit Saint does not offer a free trial. Our programs come with a 90-day Money-Back Guarantee (MBG). To qualify for a refund, clients must be active in the service for at least 90 days, and have no deletions from their credit report.
2. Multiple Accounts and Terms of Service:
Please note that our MBG requires clients not to engage with other credit repair companies while using our services, as managing disputes with multiple agencies can affect overall effectiveness, and leave the question of who accomplished having the erroneous items removed.
3. Communication and Resolution:
We apologize for any frustration or confusion during your service. We spoke with you on July 30, 2024, and were pleased to provide a resolution that met with your satisfaction and approval. We are grateful for the opportunity to resolve this matter and are committed to delivering a world-class experience for each and every one of our clients.
Thank you again for your feedback. We hope this explanation clarifies our policies and the actions taken regarding your account. If you have further questions or need additional assistance, please do not hesitate to reach out to our customer service team.Initial Complaint
07/25/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
These people I signed up With my wife are having both of our credit filed mixed and confused they refuse to fix this error mistake in their systemBusiness response
08/05/2024
The complaint in question, filed on July 26, 2024, regarding the mixing and confusion of credit files for a couple, was thoroughly reviewed. Upon investigation, we found that this complaint was submitted by the clients' son, impersonating his father and without knowledge of the recent conversation and resolution reached between Credit Saint and the mother.
Our management team promptly reached out to the clients following this new complaint. During the conversation, the clients and their son acknowledged the misunderstanding and expressed their apologies for the error. They clarified that the son had filed the complaint without being aware of the actions already taken to resolve the previous issue under Complaint ID: ********.
On August 2, 2024, the client called back for a follow-up with our team and reiterated their apologies for the reviews. We appreciate their understanding and cooperation in clarifying the situation.
At Credit Saint, we remain committed to providing exceptional service and ensuring our clients' concerns are addressed promptly and accurately. We appreciate the opportunity to resolve this matter and reaffirm our dedication to client satisfaction.Initial Complaint
07/25/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
I made my first initial payment on April 11,2024 I was told once I make my initial payment of $99.99 they would start working on my credit reports challenging all three credit bureaus it could take any were from 30 to 45 days on May11,2024 I asked for an account update I was told it's going to take 45 days's before I get any results. So I asked the representative for my refund of $99.99 back I was told I have to call back at the end of the month that when they will all three credit bureau challenges back. So now it's a little over ********************************************************************** that she got my results back and that everything on TransUnion was removed off everything on Equifax was removed off experience had one item removed. I'm still asking about my Refund of $99.99 back I just keep getting the run around. Remind you it says all programs comes with a credit saint's 90 day money back guarantee they have refuse to give me my money back ***** keep giving me excuses after excuses. I check my credit report information and everything that I disputed with them on April 11th as of July the 25th2024 all negative Accounts are still being reported on my credit profile nothing has been removed or changed they lied and have every excuse not to refund me my$99.99 dollars back. I continue to call and ask for my initial fee of $99.99 refund. they refuse to give my refund back I truly believe they never start working on my credit report. they've been lying the whole time. They refuse to let me speak with the supervisor or a manager regarding my situation. I have had three representatives to hang up in my face when I ask about my report why hasn't anything been done on it. I asked them why was I told that items have been removed off of all three credit reports no body can answer me. I feel like credit sanita is a scam. They advertise 90- Days money back guarantee.please help my get my $99.99 back.Business response
07/30/2024
Thank you for sharing your feedback. We take your concerns seriously and appreciate the opportunity to discuss and address this matter.
1. Initial Payment and Service Commencement:
We received your initial payment of $99.99 on April 11, 2024, and immediately released challenges to all three credit bureaus as part of our service. Typically, initial results are seen within 30 to 45 days, depending on the specifics of your credit report and the responses from the credit bureaus.
2. Refund Policy and Account Status:
Our 90-day Money Back Guarantee (***) requires that clients remain active for a full 90 days, make all required payments, and have no deletions from their credit report to qualify for a refund. Since your account was only active for a brief period and only the initial payment was made, it did not meet the *** criteria. Your account was closed due to non-payment, which affected our ability to provide ongoing services and fulfill the *** conditions.
3. **************** and Communication:
We apologize if you felt your concerns were not fully addressed. We strive to offer clear and supportive service and do not have a practice of hanging up on clients. We regret any miscommunication or frustration you experienced.
4. Resolution and Follow-Up:
We spoke with you on July 29, 2024, and worked out a resolution that met with your approval, for which we are thankful. We appreciate your patience as we resolved this issue.
Thank you again for your feedback. We hope this response clarifies our policies and the actions taken regarding your account.Initial Complaint
07/17/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I signed up with my husband since they told us we get a couples discount my credit report shows accounts of my husband they refuse to fix this error my accounts are separateBusiness response
07/25/2024
We wish the client would have requested to speak with a member of our team regarding this error before submitting this complaint. Our clients sign themselves up and in this case, the data for this client and her spouse were crossed. A simple call to our team would have had this matter resolved immediately. Upon receipt of this review, we made multiple attempts to contact this client and upon our conversation on 7/22/2024 we successfully resolved these issues for the client. This client is now at the start of their first cycle and we look forward to delivering world class service and excellent results.Initial Complaint
07/15/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
I was told Credit Saint offers a 90 money back guarantee, I was also assured they could help me with my credit issue. After 90 days I asked for a refund, I spent $300 for their service. I was given the run around, I was told to call back, then I was told they would call me back. After over a week I finally talked to someone who informed me that one late payment had been removed from my credit report making me ineligible for a refund. I asked to be sent the credit reports proving this, nothing was sent. I called 2 weeks later and was sent the reports days later however the files are password protected no I can't access them. Now I call to ask for the password and I get hung up on. I have seen my credit report, nothing was removed, this company did nothing for me, my credit score decreased. I want the refund that I am entitled to per their 90 money back guarantee. I have seen my credit report and nothing was removed, I was able to see my report through other services I haveBusiness response
07/25/2024
We have made several efforts to address the client's concerns. On July 17, we attempted to contact the client multiple times and followed up with an email. The client requested a call back for 11 a.m. on July 19, but when we called at that time, we were directed to voicemail. Additionally, we sent the requested credit reports, but it seems the client had trouble accessing them due to password protection.
We apologize for any inconvenience this may have caused and remain eager to assist the client in accessing their reports. Our commitment is to resolve the clients concerns, and we have been actively trying to reach them without success so far.
We regret any frustration or inconvenience experienced and are dedicated to ensuring that all our clients have a positive experience and meet their credit improvement goals.Initial Complaint
07/01/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Credit Saint is a ripoff they have a 90 day money back guarantee beginning on the 91st day void on day 120 this includes weekends which they are not open on.. credit saint took 650 from my account and did absolutely nothing to repair my credit.. I am seeking the last two payments in which they charged in the same monthBusiness response
07/25/2024
Thank you for your feedback. We genuinely value your concerns and are committed to providing the best service possible. We would like to address the points raised in your complaint:
Our programs are backed by a 90-Day Money Back Guarantee, which includes specific terms clearly outlined at the time of sign-up. To qualify for this guarantee, it is necessary to remain active in the service for the full 90 days without any deletions. Additionally, if you continue using our service beyond 120 days, the Money Back Guarantee no longer applies. This policy is designed to support clients who complete two full cycles of challenges without deletions.
We understood your situation and, although the request for a refund was made outside of the stipulated timeframe, we made an exception and refunded a single payment as a courtesy.
If you have any further questions or need additional assistance, please don't hesitate to call and ask to speak with a Manager. We are here to ensure you receive excellent care.
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Contact Information
250 Pehle Ave Ste 200
Saddle Brook, NJ 07663-5835
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Get a QuoteCustomer Complaints Summary
60 total complaints in the last 3 years.
27 complaints closed in the last 12 months.