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:01/22/2025

  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 have been deceived. they said that a refund was going to be giving to me. and did not happen. not only did not received refund they went ahead and charge me for another month after that I had closed the account

  

  Business Response

  Date: 01/24/2025

  Thank you for taking the time to speak with us on January 23rd regarding your concerns. We are glad that we were able to resolve the confusion around our billing practices, our refund audit procedure and your overall progress. Credit Saint is committed to providing world class service and results for all of our clients. Please do not hesitate to contact us if you have any further questions or concerns.

• Initial Complaint

  Date:01/03/2025

  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.

  Regarding Credit Saints credit repair company called on different occasions to cancel my subscription within the 90 day money back grantee but they never would cancel they now are constantly harassing me daily with phone calls voicemail and emails. I had to close my bank account to get them to stop taking money out of my account

  

  Business Response

  Date: 01/10/2025

  We are confused by this complaint. The client did request to cancel their service on September 24th of 2024. When the client spoke with one of our Client Care Specialists, upon further consultation they decided to remain active in the service. Since then, we have made numerous attempts to reach out to this client in order to review their progress and results without success. If the client wanted to cancel their services, all they would need to do is request cancellation like they did on September 24th when they subsequently changed their mind. This client's account has been cancelled and no further action will be taken. 

• Initial Complaint

  Date:12/31/2024

  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.

  Total scam. The salesman tells you a lie about 90 day customer satisfaction refund, then they refuse to give it. They stretch out their "work" over months just to eat up time. Ive paid them around $400 to help with my credit with the confidence that if I was unsatisfied I'd get my money back. They refused to refund me. It's a scam on the working middle class. Lowest of the low taking money from a single father like myself with dream of buying a home for my 4 year old daughter. I feel lied to and tricked and robbed

  

  Business Response

  Date: 01/10/2025

  When the client requested a refund under our 90 day money back guarantee on December 23rd of 2024, we advised the client that we would simply require proof of their pay for deletions in order to qualify him for the refund he was seeking. The client decided to file this complaint after that call rather than send us the documentation.

  We did speak with the client on January 3rd of 2025 and upon receipt of the requested documentation we were able to fully resolve his concerns and honor our Money Back Guarantee. Thank you for giving us the opportunity to address and resolve your concerns while demonstrating our commitment to integrity and our industry. Please do not hesitate to reach back out to us with any additional questions or concerns.

• Initial Complaint

  Date:12/30/2024

  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.

  This company provided no service promised and has made it impossible to cancel the service. I had to resort to canceling the card used for their alleged service and now they have locked my account as yet again I attempt to cancel the monthly $99 fee. This jumping through hoops and making it impossible to rectify is out of hand. Try calling the company for help...LOL. This behavior has got to stop, this is now over $1000 in charges that I can't stop. Now Credit Saint is tanking my credit! The A+ BBB rating has to be a joke, online these people are savaged for their con game, it really doesn't look good for BBB.

  

  Business Response

  Date: 12/31/2024

  Our first concern is that the client that filed this complaint using a different name and address than what is on file with us. We were only able to locate the client using the email address provided. This client has seen SEVERAL changes during their time with us, the most recent being September. We have made multiple (SEVERAL)  attempts to reach out to this client both by phone and email and we have not received any communication back. This complaint would not have happened if the client had picked up any of the calls we made to them or replied to our emails. Please return our calls, we are happy to assist you. 

• Initial Complaint

  Date:12/19/2024

  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.

  paid 99 dollars for credit saint to help clean record was told if i cancelled with in the first 45 days i would get full refund and also *** said i would be getting information as the process when tho and for a whole month i have not heard anything back

  

  Business Response

  Date: 01/01/2025

  We have made multiple attempts to contact this client without success. However, we have an industry leading ************************************************************************ the service for 90 days with no deletions. This no deletions, worry free guarantee is a cornerstone of our confidence and our commitment to our clients. This client was with us for less than a month and should now have updates available for the first cycle of disputes we released. Please call in and ask for a Manager, we will take excellent care of you.

• Initial Complaint

  Date:11/18/2024

  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.

  I signed up with Credit Saint in July 2024. I researched the top 10 credit repair companies and they were listed as a good company and what also lead me to the company was the 90 days money back gaurantee. First of all the company does not give updates unless you call in and then they tell you that you're in the middle of a cycle and once that is complete they will update your account and they never update you have to call back. Fast forward 90 days is complete no changes no deletions. I called the company after the 90 days guarantee and was told my account will have to be auditted and someone will get back to me in two business days. In two business days I received a call from the company that two deletions were made one in the first cycle and one in the second cycle (keep in mind I checked my online account and called after the first cycle and was told no changes on my account) . Two more business days passed and no email BOTTOM LINE THE COMPANY HAS NO INTENTIONS OF HONORING 90 DAYS MONEY BACK GURANTEE. How does it look to tell a customer AFTER the 90 days oh we audited your account and we actually made two delections with no proof. I was told that the first deletion occured early in the first cycle when I started the process in July which can't be verified. I pay Experian monthly which is the report affected and no changes or deletions were made and it is November. The company should be able to show proof of the deletions just as clear as I was responsible for paying the monthly charge. I can't check my account because once you cancel your service you have no access to your account to see any changes. Potential customers please be aware with the 90 days guarantee they will come up with removals and say they occurred within the 90 days an there is nothing you can do to prove otherwise.

  

  Business Response

  Date: 11/29/2024

  We appreciate Ms. ****** taking the time to speak with us about her concerns and experience. This client received a refund under the terms of our guarantee. We understand that the results seen here were not what any of us would have hoped, and we appreciate her for letting us complete our audit and  to resolve any concerns she had. 
  
  

  Customer Answer

  Date: 11/29/2024

  [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

  Date:11/11/2024

  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 signed up for the credit saint program on May 23 2024 which has a money guarantee if no removals within 90 days, I called on 9/03 to find out why no removals were complete on my credit report but it showed removals on the account . They said they would do an audit and call me back. I also asked about the refund policy on that call. They never mentioned the timeframe. I never received a call back about to audit. They next call the representative advised there was an error with the system and thats why the account said they were removed and the credit report said they were not. I called back and asked to cancel and refund the account they are telling me its too late for the refund. I called in enough time to complain about the service and they only called when it was time to collect payment never to follow up on not providing the service promised.

  

  Business Response

  Date: 11/13/2024

  We appreciate you providing us the ability to speak with you directly to address your concerns and we are happy that we were able to take care of your concerns. Please allow up to five business days for funds to reflect back in your account and if you need any additional assistance do not hesitate to contact us!

  Customer Answer

  Date: 11/13/2024

  
  Complaint: 22541918
  
  I am rejecting this response because:
  I requested 3 of months be refunded and only 2 were, I was also told I would be sent the proof of removals twice and as of this moment I have yet to receive them. Every time I speak with someone I get conflicting information. The business also threatened that if I did not accept their response that they wouldnt give me any of my money back. This has been a terrible experience and I have used so much of my time trying to get a resolution. I would not recommend this business to any other person. I do not feel like they are fair nor do they honor their policies. I also could not pull the information from the portal that showed proof because when I told them I would be filing a claim with the BBB the account access was terminated. Which is also misinformation I received from another representative stating I would have access to the portal until the end of this billing period.
  
  
  Regards,
  
  ***** ****

  

  Business Response

  Date: 11/26/2024

  During our conversation with the client we reviewed all of her deletions and sent the initial and most recent reports. The client was advised she was not refund eligible due to having deletions but that we would be willing to break protocol and refund the last 2 payments if this resolved her concerns. The client confirmed on the call that while she wanted 3 payments back she would accept two. The client then called back the next day demanding the third payment. The client also refused to review the reports over the line when offered. We regret that this client made an agreement with us and has since changed their mind. We wish this client the very best and have done everything we can to attempt to resolve their concerns.

• Initial Complaint

  Date:11/08/2024

  Type:Service or Repair 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 signed up with Credit Saint at the end of 2023. They don't give you updates unless you call in and then they tell you that you're in the middle of a cycle and once that is complete they will update you which they never do. There is no promise time as to when this will end. They keep pulling the money out of my account every month and I don't see anything happening on my credit report. This company is a total scammer and will drag out your case as long as possible to continue getting the monthly fee. When I do call them they tell me they will have someone call me back and it is incredibly rare for someone to call me back. I told them I wanted to cancel and you can only cancel by speaking to someone and of course no one is available so they will call you back, but they never call back to allow you to cancel. This company is a joke. I want my account cancelled and a refund from these scammers!!!!!

  

  Business Response

  Date: 11/11/2024

  Thanks for speaking with us to cleared up any confusions on these issues. Happy we resolved your concerns and look forward to speaking with you again soon

  Customer Answer

  Date: 11/11/2024

  [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

  Date:10/23/2024

  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 contracted with credit saint for credit repair in July of 2024. They went over my credit report with me and reassured me of their 90 day guaranteed of credit improvement or money back. While my my credit situation improved, loans paid down, and bills paid on time, my credit went down due to the way Credit Saint lobbied to change how debtors reported the debt. The changes they kept making to my credit report made it "appear" as they were taking action, but the actions were either useless notes added to debts that did no real improvement or actually made my score worse. One debt, instead of being listed as charged off, now shows 55 late payments, and my score lost 38 points with the change. I called to speak to someone and was told i could not have any information or explanation until the quarter was over. in the meantime, I lost out on being able to buy a car when I needed to be able to do so under traumatic circumstances. This company lied about their process, stole my money, refused to honor their 90 day money back guarantee and cost me money in high interest making my credit score worse than before I called them. I want a refund and my credit restored from any changes they made. They are a scam.

  

  Business Response

  Date: 11/01/2024

  We've made multiple attempts to reach you regarding your concerns expressed in your complaint and have been unsuccessful in reaching you. After reviewing your account with us, we believe there may be some confusion and we would greatly appreciate the opportunity of reviewing the status of what took place and offer some further insight and assistance. In review, we are not seeing 55 late payments reflecting on your credit reports, nor any additional damaging accounts added while in our service. We understand credit as a whole can be a very confusing ecosystem to navigate and would appreciate the opportunity to speak with you.

• Initial Complaint

  Date:10/22/2024

  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 joined Credit Saint for credit repair under their 90-day money-back guarantee, expecting to see positive changes in my credit report. At the 45-day mark, I reached out to inquire about the progress, expressing concerns that if there wasn’t any update by then, I would cancel my service. During this call, the representative convinced me to stay, citing that if I canceled before the 90 days, I wouldn’t be eligible to receive my full refund. Trusting that they would fulfill their promises, I agreed to continue the service. However, once the 90-day period was up, I called to cancel as I hadn’t received any notification of updates or improvements to my credit. To my surprise, Credit Saint informed me that they had successfully removed an item from my account, which they claimed fulfilled their obligation. Despite this claim, I had not been notified of any deletions or progress along the way, and I strongly believe that they either failed to perform the agreed-upon services or did not communicate transparently. Now, they are refusing to provide the refund promised under the guarantee. I believe that Credit Saint has acted dishonestly in this process and may be operating a scam by hiding information and making it difficult for customers to obtain refunds. Their lack of communication and the sudden claim of fulfilling their duties without prior notice raises serious concerns about the integrity of their service. I feel misled and deceived, and I am now seeking the refund I was initially promised under their 90-day guarantee. Their reason for not giving me the information beforehand was a failure on their part. I should not have to bear the consequences of the mistakes of a business I’m giving money to.

  

  Business Response

  Date: 11/01/2024

  We've made multiple attempts to reach you regarding your concerns expressed in your complaint and have been unsuccessful in reaching you. We would like an opportunity to further assist you if possible and our team is available to speak with you at your earliest convenience.

  Customer Answer

  Date: 11/06/2024

  [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,
  ********* *********