ComplaintsforCredit Saint, LLC

• Initial Complaint

  06/28/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have been with Credit Saint for almost 1 year. Since September of last year, all of the bureaus that they have attempted credit repair services on have sent me emails and letters stating they will NOT process the disputes due the fact that they believe a third party is requesting the disputes and not myself. I have reached out to Credit Saint MULTIPLE times over several months and provided them copies of the letters and emails letting them know that the disputes are being ignored. They have done nothing about it. In fact, I got another batch of emails and letters saying they will NOT process the most recent disputes that Credit Saint has sent them. I have received zero response from Credit Saint.

  

  Business response

  07/05/2024

  We appreciate the opportunity to address this client's feedback and clarify the situation. This client remains in the program and we look forward to speaking again at the end of this investigation cycle. 
  
  Dispute Handling: We understand your frustration with the credit bureaus' response to our dispute submissions. It's common for them to request verification to ensure the disputes are legitimate and authorized. We have promptly responded to each request received from the bureaus by submitting new disputes on your behalf. As you can see our response was acceptable because you saw additional changes after receiving that letter. 
  
  Progress and Deletions: Contrary to your claim, our records indicate significant progress in your credit repair journey. Specifically, you achieved deletions in multiple cycles. We are committed to helping our clients achieve their credit goals, and we are pleased that you found our solution satisfactory when we discussed this matter on July 3rd.

• Initial Complaint

  05/29/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I have emailed Credit Saint at ******************************** a couple times trying to cancel my subscription and haven't received a response. It appears they are intentionally not allowing me to cancel

  

  Business response

  06/13/2024

  This client was emailing a no-reply inbox. We have confirmed there was an auto-response sent to the client almost immediately letting them know account changes can not be completed online. Had this client called us, used our live chat feature on our website, used the cancelation form and contact information in their consumer agreement or any other way except emailing an no-reply email account, their account changes would have been processed promptly. We have since dialed this client but have not been able to reach them. This account is cancelled. 
  

• Initial Complaint

  05/20/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  At the beginning of April I started a contract with this company for 2 people for credit services. Despite me setting up the account with proper items they kept saying they didn't have what was needed. I emailed to cancel the account. I also called several times to cancel and their number (which I check several times and tried several) kept disconnecting following my email requesting cancelation. I want to cancel both accounts and get the ****** guarantee they promise.

  

  Business response

  05/28/2024

  Thank you for bringing your concerns to our attention. We take customer feedback very seriously and strive to provide the best service possible. We apologize for any inconvenience you may have experienced and would like to address your concerns comprehensively.

  Upon reviewing your account, we found that you and your spouse signed up for our services online on April 12, 2024. Since then, we have made numerous attempts to contact you to welcome you to our service and ensure your account was set up correctly for the best possible outcome. Specifically, we attempted to reach out 15 times over the course of several weeks, leaving voicemails each time as we did not receive a response from either you or your spouse.We first received communication from you via an email titled "Cancellation/Better Business Bureau" on May 20, 2024, at 2:59 PM. A few hours later, at 7:37 PM, we received a notification of your BBB complaint. Please keep in mind that due to the volume of emails we receive, it does take time for us to process and review incoming email and typically requests a 24-hour turnaround time.

  Following your email, we promptly attempted to reach out to you the following day to address your concerns, but were met with another voicemail and did not receive a response.Regarding your request for cancellation, our policy requires that cancellations be processed over the phone to ensure account security and proper handling.  While we understand this may be inconvenient, it is in place to protect our clients information and ensure a smooth cancellation process. Both the cancellation policy as well as money-back-guarantee are reviewed on the initial phone conversation with the client. We verbally confirm they understand and do not have any questions about either.  We are eager to resolve this matter and would appreciate the opportunity to speak with you directly. Please contact our customer service team at your earliest convenience so we can assist you with the cancellation process and address any further concerns you may have.

• Initial Complaint

  04/16/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I used this service and requested cancellation of my service. They said the cancellation does not stand because it was not on a recorded line. At no point was I advised I had to call in to cancel . It may not be on a recorded line, but it is in their secure portal that I requested the cancellation. I had the service and they did not offer me any benefit since December, they advised me as I tried to cancel on the phone after realizing it wasn't cancelled before , that they could send in another form to escalate it. Why did they not offer this before. No one called me to give me updates only when my payment didn't go through. I was enrolled in this since december. I wanted to give it a fair chance but I honestly just want to get month back. They were completely hands off during the process and the moment I am hands off, they are telling me they cannot do anything because i need to call in to cancel. They are the ones getting my money **** $100 a month and they are hands off but I ask to cancel and they can't even follow up. It makes no sense. They said they tried to call me but it was only prompted by the declined payment on my end. Then they claim they are doing an account review but really they just want me to keep paying because I was also advised that no one calls everything is just in the portal for me to review and they do not call and provide updates. Also they completely locked me out of the portal so I cannot even look up the information anymore

  

  Business response

  04/25/2024

  We have spoke to Ms. ********** and confirmed the cancellation of her account as per the date of the original request made. The client was happy with the resolution. 

  Customer response

  04/25/2024

  [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

  04/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  (This is both a request for satisfaction and a warning to others.) After paying off bad debts in 2023, all of my creditors (except for ** ****) removed their bad accounts from my credit reports. ** **** left the bad account on all three, until the 7-year period is up in late 2025. Not wanting to wait, I hired Credit Saint to write letters to the bureaus on my behalf to have it removed. I paid them four monthly payments of $79.99, plus initial startup costs when I signed up on 11/26/23 ($337.60 total). CS offers a money-back guarantee, where they promise to refund the entire amount spent up to the moment of cancellation in the event they were unable to have any bad accounts removed (from any report). As per the terms of the user agreement, if CS can convince the creditor (or a credit bureau) to remove even one month's delinquency from one credit report from one bad account, they can avoid refunding any of the patron's money. That is exactly what CS claims they have done. Although it makes no difference to my credit score, CS claims that their letter writing campaign resulted in the removal of delinquency from the month of Sept. 2018 from Equifax's report, and thus they are denying me a refund. Current Equifax reports show that I was not late in September 2018. However, on the date I requested cancellation and a full refund, CS produced an Equifax report from 11/22/23 showing that I WAS late in 9/18. So, CS alleges that because a removal occurred while I was paying them, they provided value, and thus are not liable. Because Equifax only retains current information on these accounts, they cannot corroborate CS's November Equifax report. When I call ** ****, they tell me they have no info. (Of course, they still send info about this account to the bureaus every month, so someone knows.) I believe that CS's 11/22/23 Equifax report is fraudulent, but I am at a loss as to how to prove it. There are more details to this story but I'm out of room.

  

  Business response

  04/27/2024

  We connected with *** ******* on March 19th to discuss his progress in our program, though he hadn't been with us for 90 days yet. We had an appointment scheduled to review his current dispute cycle results when completed, but we discovered he'd filed a complaint just before that. It's worth mentioning that if *** ******* had reached out to us directly instead of filing a complaint, the outcome would have been the same.
  
  During our conversation with *** *******, we carefully examined his current credit reports and tracked his progress in the program. As part of our commitment to customer satisfaction, we promptly refunded his payment in full, in line with our 90-day money-back guarantee.

• Initial Complaint

  04/09/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I called on 3/14/2024 to get a refund since Credit Saint did not make any progress in fixing my credit. I was told they canceled my account and would try another round for free to fix my credit where nothing was done. I was told to call back on 4/9/2024. I called this day and asked for a refund and was told I was beyond the 120 days and was not eligible or for a refund.

  

  Business response

  04/25/2024

  We have reached out to ******************** several times to try to have his refund issued, most recently April 23, 2024.  We also have sent an email asking him to contact us. We would kindly ask that he dial us to process his credit, as due to the timeframe of when the payments were processed we need to confirm his banking information. 

  Customer response

  04/25/2024

  
  Complaint: 21553003
  
  I am rejecting this response because:
  
  I replied to the email and it was returned as the credit saint email address is a no reply address. I would like the refund processed on the same credit card that payment was last made on March 14, 2024. 
  
  Regards,
  
  ***************************

  

  Business response

  05/02/2024

  There is no resistance from Credit Saint to issue this client a refund. We dialed and emailed the client immediately upon receipt of this complaint from the BBB. We also explained why we can not just queue an automatic refund. Just like any company that maintains PCI compliance, there are procedures and policies that must be followed. Because of the timeframe of when the payments were originally processed, the payment information needs to be obtained to have a manual credit completed. As an alternate measure, we will have our billing team release a check to the address on file, but as the goal is always to resolve concerns expeditiously, having a brief phone conversation would have been the easiest option for all parties.  The client will receive the refund via the United ********************* to the address provided. 

• Initial Complaint

  03/06/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I would like my 90 day refund please. After $400.00 spent, very little to no interaction. You got nowhere with only 2 negatives. Supposedly if anyone can get them you would, according to your claims. Please refund my money. Thank you

  

  Business response

  03/11/2024

  Thank you for giving us the opportunity to speak with you today. We appreciate your time and thank you for explaining that this complaint was filed in error. 

  

  Business response

  03/11/2024

  This client told a **************** Manager today that he filed this in error as he saw that we had tried calling him. He tried to delete it, but could not and was apologetic about this complaint because he said it was done in error. He asked who he could ******* at the better business bureau and we provided our reps ******* information for him to email any questions. 

• Initial Complaint

  02/06/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Credit Saint has refused to close my account three times. After the first three billing cycles, minimal credit repair has occurred. Additionally, after the first three biling cycles, I stopped receiving credit updates from the credit bureaus. Credit Saint is stealing my money and not submitting claims. Staff will not honor my request for revision of the appeal. All three credit bureaus claim not to have received appeals. Please close my account and stop billing me. If not, a lawsuit is pending. I will file theft charges at my police precinct. My states attorney has my request to investigate this criminal enterprise. Credit Saint must close, and stop advertising credit repair.

  

  Business response

  02/21/2024

  We have made numerous attempts to contact this client by telephone and email but have been unsuccessful. Please give us a phone call at ************ and ask for a Manager. We see since filing this complaint you have spoken to one of our *********** Specialists and provided updated notes to agreed to continue and the service and have us continuing to challenging your damage. If this matter has not been resolved, please know we take your concerns seriously and promise to take excellent care of you.

• Initial Complaint

  01/28/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I have made multiple failed attempts to contact this business to request a refund via check of $434.98. I am unhappy with this service as I did not see any questionable items deleted from my credit in 90 days as promised. This company claims to have a 90-Day Money-Back Guarantee which ensures your money back if you are not satisfied with the service.

  

  Business response

  02/13/2024

  We were confused by this complaint as the client had seen significant progress while being in the program.  Upon being made aware of this complaint and the clients concerns, we did reach out and were able to resolve the matter to his satisfaction. We wish the client would have requested to speak with a Manager as the outcome would have been the same. Next to results, delivering a world class experience is to our clients remains a top concern for us.
  
  
  
  

• Initial Complaint

  12/20/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Hi, My credit report and account have fraud that needs to be investigated. I hired a credit reporting agency to fix mu credit report and the problems I have sent them are still existing. Including credit reporting agencies with the wrong amounts. This problem has affected my ability to finish my doctorate program and impacted my school loans my past semester. I am asking for a refund for inaccuracies, and also the problems with mu credit report. I would like a full refund going back to 9/2/2022 when services began.

  Customer response

  12/28/2023

  
  

  This is communication to let you know that Credit Saint and I spoke and they will be working with me to get my account resolved. Please close the complaint, and I will be working with them directly.

  
  

  Thank you. 

  
  

  
  

  Alison

*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. ↩