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:02/06/2024

  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.

  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

  Date: 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

  Date:01/28/2024

  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 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

  Date: 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

  Date:12/20/2023

  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.

  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 Answer

  Date: 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

  Customer Answer

  Date: 02/11/2025

  
  Complaint: 21035543
  

  The company did not due what was intended. I would like all my money returned for the last two years as soon as possible. 

  
  

  
  I am rejecting this response because: 
  
  
  
  Regards,
  
  ****** *****

  

  Business Response

  Date: 02/18/2025

  We are confused and concerned by this complaint. The client originally filed this complaint in 2023, and have not been a paying client since March of 2024. We worked out a plan and spoke with the client on multiple occasions. However, at the end of the clients last investigation cycle, we left the client a message for follow up. The call was never returned and we have not heard from this client at all since then up until she re-opened this complaint. The client does not qualify for a refund and we went above and beyond to attempt to assist her with her complaint. We are unsure of what else we could have done as it relates to this client and her concerns.

  Customer Answer

  Date: 02/23/2025

  
  Complaint: 21035543
  
  I am rejecting this response because:
  
  
  
  Regards,
  
  ****** *****

  Customer Answer

  Date: 02/28/2025

  
  Complaint: 21035543
  
  I am rejecting this response because: 

  A fraud claim has been opened, and my telephone bill and email can be looked at for communication by Credit Saint. They did not contact me, and the *** I was working with to resolve all this left. They are lying. I want a full refund credited to my checking account for fraud through false ***resentation, and fraud theft by poor business practices. They took years of money and produced nothing. 

  
  

  They can credit my checking account. What they did was fraud. I want a full refund. They try to get over and smooth over the situation but did nothing. 

  
  

  I decline any offer, but a full refund as soon as possible so I fix my credit, They failed to fix. . My school has suffered and my credit. 

  
  
  
  
  Regards,
  
  ****** *****

  

  Business Response

  Date: 03/04/2025

  At Credit Saint, we take client concerns seriously and are committed to transparency and ethical credit repair practices. This client initially filed a complaint on 12/20/2023 expressing dissatisfaction with their progress. We promptly addressed their concerns on 12/21/2023 offering complimentary work in lieu of a refund, which they accepted, as their only focus was continuing to try to have these items removed. On 12/28/2023, the client confirmed with the BBB that they were satisfied and requested the complaint be closed.
  
  Between that resolution and the reopening of the complaint on 2/11/2025, we maintained ongoing communication regarding their account. The client actively remained in our services until 4/23/2024, during which time we successfully removed multiple negative items from their credit report, the most recent in April 2024. While we understand their frustration, credit repair is a process with no guaranteed results, as outlined in the Credit Repair Organizations Act (CROA), but we guarantee that we will work on your behalf to do everything we can to help you.
  
  Throughout their time with us we provided extensive service, including multiple rounds of complimentary work, to assist beyond our standard obligations. The client has not been an active member for nearly a year, yet we have consistently demonstrated our commitment to their success. We stand by our efforts and our dedication to helping clients improve their credit within the bounds of industry regulations.

• Initial Complaint

  Date:11/28/2023

  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 am writing to express my dissatisfaction and file a formal complaint against Credit Saint regarding the credit repair services I have received. I enrolled in Credit Saint’s services with the expectation of a 90-day money-back guarantee, as promised in your company’s terms and conditions. Unfortunately, after more than four months of engagement with your services, there has been no improvement in my credit report. Subsequently, I requested a refund in accordance with the agreed-upon guarantee. To my dismay, I was informed that I am ineligible for the money-back guarantee because I contacted Credit Saint after 120 days. This contradicts the initial terms, which clearly state a 90-day period for the guarantee. Furthermore, the delay in my request was due to your company’s decision to conduct an audit on my account, providing an inaccurate representation of the time frame in which I could request a refund. This situation raises serious concerns about the transparency and integrity of Credit Saint’s business practices. I have paid nearly $480.96 for a service that has failed to deliver on its promises, and I feel misled by the company’s guarantee. I kindly request a thorough investigation into this matter and a reconsideration of my eligibility for the 90-day money-back guarantee. I believe it is only fair and just that I receive the refund promised by Credit Saint when I initially engaged with your services. If this matter is not resolved promptly and to my satisfaction, I may be compelled to escalate my complaint through relevant consumer protection agencies and consider legal action. I appreciate your immediate attention to this matter and look forward to a resolution.

  

  Business Response

  Date: 12/15/2023

   Our 90 Day Money Back Guarantee states that you must be an active participant in the service for 90 days and that eligibility does not begin until day 91. It further states that if you choose to continue in the program beyond 120 days, you waive the right to request a refund. This client requested a refund on November 20th after being in the program over 5 months after they had started their account with us. However, we pride ourselves on offering a world class experience and service to our clients and take all feedback very seriously. Upon being notified of this client's concerns our leadership reached out to them and reached a resolution. It is never our intention to mislead or misrepresent any aspect of our program, process or policies to our clients and are thankful that we had the opportunity to resolve this matter. We only wish the client would have asked for a Manager before writing this complaint, as the outcome would have remained the same.
  
  

  

  Business Response

  Date: 12/15/2023

   Our 90 Day Money Back Guarantee states that you must be an active participant in the service for 90 days and that eligibility does not begin until day 91. It further states that if you choose to continue in the program beyond 120 days, you waive the right to request a refund. This client requested a refund on November 20th after being in the program over 5 months after they had started their account with us. However, we pride ourselves on offering a world class experience and service to our clients and take all feedback very seriously. Upon being notified of this client's concerns our leadership reached out to them and reached a resolution. It is never our intention to mislead or misrepresent any aspect of our program, process or policies to our clients and are thankful that we had the opportunity to resolve this matter. We only wish the client would have asked for a Manager before writing this complaint, as the outcome would have remained the same.
  
  

  Customer Answer

  Date: 12/16/2023

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

  Customer Answer

  Date: 12/16/2023

  [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:11/08/2023

  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.

  This company is prompt and professional when signing you up but they take you through all kinds of hoops to cancel. I used their service for over 4 months and not until I applied for credit at a car dealer did that car company inform me that there were 2 other bogus names on my credit report that were not me. For a credit restoral company to not inquire about names that were completely different from mine, one of them a male name and I'm female, was a huge red flag. Credit Saint has lost both my business and respect. I truly believe they use an automated system that leaves plenty room for error. I DO NOT RECOMMEND CREDIT SAINT AT ALL!

  

  Business Response

  Date: 11/21/2023

  We have made multiple attempts to contact this client by both phone and email to discuss their concerns as articulated in this complaint. However, we have been unable to reach them. We are confused by this complaint as names and demographical data does not factor into your score. This information is on your credit report because a creditor has reported it to *********** as being on an account that is associated with you. Names, employment, addresses, and more, are not considered damage, and it is not the primary focus of the program. What sets us apart from other companies, is specifically the fact that we dont use fill in the blank forms or automated systems that rely on the creditor not responding and the item being considered unverifiable. When each client is enrolled we review the damage on their report they feel is erroneous, and build individual customized arguments. We would welcome the opportunity to discuss these concerns with the client and encourage them to reach out to us, in case they are not aware of all of the success they had during the time in our program.

• Initial Complaint

  Date:09/01/2023

  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.

  When I signed on with Credit Saint I made it clear that I would not be able to pY until Sept 1st. 2023. The amount was ,$99.00. C. S. was notified to stop when C.S. attempted to withdraw the ,$99.00 before the date we agreed on. Instead they withdrew $195.00. I called and told C.S. about t g e early attempt and I told them that I no longer trusted them because they don't listen. Again they Ididn't listen.

  

  Business Response

  Date: 09/12/2023

  Thank you for giving us the opportunity to speak with you and resolve your concerns. We did review the original call when the client enrolled and the client did agree to the original billing date of 8/14. When the initial billing was unable to be processed, we did reach out to the client multiple times to try to remedy the situation and would have been able to make any changes needed at that time. We were never able to speak to the client and no calls were returned.
  

  All clients must enroll themselves online. The client accidentally put themselves in the wrong program when they signed up which resulted in the higher first payment. Of course, once we were able to speak to the client we let them know the payment was fully refunded and the account cancelled as requested.
  

  We had looked forward to assisting this client with their credit. Had we been given the opportunity, we would have hoped to help them like we have helped thousands of clients before.
  

  
  

• Initial Complaint

  Date:08/14/2023

  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.

  They provide a 90 day money back guarantee, but all they did in 90 days was cause my credit score to get worse, didnt get any resolution from any credit cards or any other outstanding items removed. I am shocked that theyd have any rating other than F.

  

  Business Response

  Date: 08/28/2023

  Since the receipt of this complaint we have tried to contact the client multiple times. While she did not answer our calls, she did reply to one of our emails. We made it clear that we were happy to review her account, but that even if the outcome ended in a refund, there is no way to refund her account without speaking with her and obtaining billing information. We have not received any return calls or emails since. 

• Initial Complaint

  Date:08/09/2023

  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.

  After paying the required six months needed to observe any improvement, the company failed to remove a single discrepancy or improve my credit. I called once a month for the final three months seeking guidance to assist. I was finally told on the fifth month that my account was managed incorrectly. I am seeking a full refund as not a single improvement occurred. Six months of my time was wasted when I could have sought a more reputable company.

  

  Business Response

  Date: 08/18/2023

  We have been trying to contact this client via multiple phone calls and emails. We would be happy to speak with this client about their concerns, and take excellent care of them, but have not been able to reach the client. They have since filed a second complaint, but have yet to reach back out to us. We will continue to try to resolve the matter by dialing and emailing again requesting a time that is convenient to review with the client. Even if the conversation ends in a credit to the client we would still need to speak with them to obtain billing information to process the transaction. 

  Customer Answer

  Date: 08/18/2023

  [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.
  
  Spoke with management, entire staff was accommodating and pleasant while helping me resolve my issue. 
  Regards,
  
  *****************************

• Initial Complaint

  Date:08/07/2023

  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 would like to cancel the services of Credit Saint. I've stated multiple times that I want to and I have not received assistance. I wrote via chat and was told I had to call, no offer to give me a call. I then experienced billing issues due to my card being cancelled and expressed I wanted to pay and cancel and was not given the option to be transferred to cancel. I've tried to call to cancel and I CANNOT get through. While I have seen a slight improvement in my credit, I believe they are not being aggressive enough and I feel like I have been scammed. At this point, I've used their services for over 4 months, spending almost $1000, for then to only work on removing items "1 Bureau at the time, every 45 days" This system is designed to drag people along and drain them out of their money. There are no updates ever, they don't call or update their system so you are forced to check every 45 days to see if something has actually happened. This situation has caused me so much sadness and distress that I cannot begin to explain. I do not have a good financial situation to afford to waste money on this. Money I could use to pay debt. At this point I know I probably cannot get a refund because they claim to have a "money back guarantee" but they try to fix the most minimal thing just to not refund you. Like I said, I am beyond disappointed with their services and at myself for allowing myself to get my hopes up and be scammed this way.

  

  Business Response

  Date: 08/16/2023

  We want to thank the client for speaking to us at Credit Saint and allowing us to resolve their concerns. As this is a public forum we do want to ensure we discuss some of the misinformation provided in the complaint. We did have communication with the client through our online chat system and they did let us know they would dial us at their convenience to review their account. We are happy to dial a client and assist them in their cancellation request at any time.
  

   

  This client only made 4 payments which was no where near the stated amount of $1,000. 

  Disputes are release to all three bureaus every cycle with confirmation posted on each clients account page as well as a detailed day counter of when to expect the next set of updates. We take pride in the aggressiveness of our programs.

   

  We appreciate the opportunity to address their concerns.  We always welcome clients to contact us with any questions they have before needing to get to this point of this level of escalation.

• Initial Complaint

  Date:07/20/2023

  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 cancelled with them on 7/18/2023 and again on 7/19/2023 via fax. Along with my cancellation notice I listed the reasons why I was dissatisfied with their service. I also revoked permission for them to charge any credit card they have on file for me. Company has failed to acknowledge receipt of my cancellation.

  

  Business Response

  Date: 08/07/2023

   This client initiated and chargeback with their bank and this complaint together. She was in her first cycle and did not even allow the minimum time by law for the investigation to take place. We filled disputes for her damage based on specific notes that she supplied us. We also made multiple attempts to reach this client in order to address these concerns to no avail. We wish she would have given us a chance to be successful for her as we have been with thousands of other clients. Just as this damage did not occur overnight, the repair process cannot cure it overnight but given a fair chance we would have hoped to impress her.

  Customer Answer

  Date: 08/10/2023

  
  Complaint: 20349234
  
  I am rejecting this response because: Matter was resolved outside of the BBB complaint.
  
  
  
  Regards,
  
  *********************