ComplaintsforCredit Saint, LLC

• Initial Complaint

  06/08/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  1st payment ***** $99 2nd ***** $199 3rd ***** $********* $199 I have two accounts with them, they completely missed one of the disputes they should have made. they were only successful for 1/7th of the actual disputes. They are making the refund as hard as possible even though multiple mistakes were done on their side. Sales made light of their extensive refund policy and stated if i wasn't happy by the results i would get my money back. A complete lie. The cancellation agent also mentioned if they made a mistake that qualifies for refund. Being they made a mistake and missed a dispute, i brought it up to her and she quickly changed her tone and transferred me over. Mistakes were done on their side and they did not complete the work and they are still refusing to give my money back.All i want is my money back and leave this behind me.

  

  Business response

  06/21/2022

  We are deeply saddened and concerned by the contents of this complaint. The client spoke with one of our Supervisors on June 8th, who advised of the refund policy and ordered a call review to confirm that the client had been properly informed. Upon review of the initial sign up call, it was confirmed that the terms of our 90 day money back guarantee were properly and completely conveyed. In this clients case, he had nearly all of his items on one bureau deleted but one. Since the writing of this complaint, we have spoken with the client and resolved his concerns. It is unfortunate that the client chose to take this route rather than ask for a manager. The satisfaction of our clients is our top priority.

  Customer response

  06/24/2022

  
  
  Complaint: 17334574
  
  
  I am rejecting this response because:i asked for the manager several times. At the end your company did return all my money since the company made several mistakes. I am thankful for you providing me money, however please don't lie about the results. Please admit your mistakes and move on. Spending 3+ Plus on the phones with your managers and getting no results until i made this complaint. You are shady to say the least. Hopefully people learn from my experience and boycott this terrible company.
  
  
  
  
  Regards,
  
  
  *****************************

  

  Business response

  07/13/2022

  It is unfortunate that the client advised us on June 9th that he was satisfied with the resolution and has since changed his mind. This client had ALL of his damage on Transunion completely erased. Our 90 day Money Back Guarantee, which was fully and completely explained to this client during his initial sign up call, clearly states that if you are active in our program for 90 days with no deletions you are entitled to a full refund. The client, despite having a completely clean report on *********** now, was not satisfied with his progress. Despite the policy and the fact that the client was made aware of it in full before deciding to sign up with us, we issued a refund for the client. Next to results, our top priority has always been ensuring our clients have a world class experience when working with us and leave happy. We are deeply saddened and confused by this clients reaction, especially considering the changes in their credit scores since enrolling with us, which is not something we can guarantee but is a positive byproduct from his time in our service. The client has been cancelled and refunded and we are unsure of anything else we could do to resolve his concerns. 
  

• Initial Complaint

  05/06/2022

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I do not want this company to contact me by email or phone and to close my account. I never agreed to use there services. They are trying to **** my credit card after being told that I dont want to use there services.

  

  Business response

  05/06/2022

  This client enrolled online, using the self service option. All clients have a right to cancel or change their program during the first five days. For security purposes account changes need to be done on the recorded phone line, but all new clients are also provided with two cancellation forms in their agreement that they can send in to close the account as well. This account is cancelled. 

  Customer response

  05/06/2022

  [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:
  NO MORE EMAILS OR PHONE CALLS!!
  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

  04/23/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  On 02/16/2022 I inquired about Credit Saints repair services. I already opened a dispute with one of the major credit bureaus so the Credit Saint representative advised that I resolve my dispute before allowing Credit Saint to begin working on my behalf. I decided to withdraw my dispute and paid Credit Saints first work fee of $195 on 02/23/2022. Then spent another $119.99 on 03/23/2022.I wasnt satisfied with the credit repair Id received after two months. On 04/20/2022, I called to cancel their service before my next due date which was 04/23/2022, after several unsuccessful retention attempts by the representative she finally resigned and fulfilled my cancellation request. She then told me my final **** would be $107.99, and in so many words, I should be lucky it wasnt $119.99, as they dont pro-rate charges. Three days ago I was an unsatisfied client who just wanted to cut my losses at $319.99. Today, Im a consumer who wants $107.99 wrongfully taken from me returned, immediately.

  Customer response

  04/28/2022

  Thank you for handling my complaint against Credit Saint. However, Id like to withdraw my complaint. Credit Saints senior manager ********* reached out to me and has resolved my issue to my complete satisfaction. He promptly apologized, took accountability and responsibility for the situation. Theyve also issued a refund for which I have confirmation. 

  
  

• Initial Complaint

  04/02/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Called for information, did not consent to automated calls, told them I was not interested. Have call recorded as evidence. Am now receiving automated calls from this business and they are not removing me from the list. Do not call these guys, sketchy through and through.

  

  Business response

  04/04/2022

  Credit Saint has never in the history of our company used robotic or automated dialing. This client dialed into us on April 1st. The call was disconnected while we were reading the client disclosure information. We dialed the client back the same day to try to reconnect. We tried the client again the next day but to no avail. We were simply following up on the inbound call received directly from the client regarding our services. If at any time the client picked up and let us know they were not interested they would have been removed. The client's information has been removed from our system. To reiterate, we do not and never will dial a client not using a live representative. A representative specifically will dial a client that has already expressed interest in our program and has requested more information. 

• Initial Complaint

  03/23/2022

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I joined credit saint back in august of 2021. I recently had my identity stolen, along with all my banking and credit card information. All of my cards have been canceled including the one that credit saint has. I have emailed and faxed credit saint stating that I need my account canceled. They are constantly calling me through out the day bothering me about a payment. I talked to someone on 2/24/22 and told them I wanted to cancel. It is now 3/23/22 and my account is still active & they are still calling me 2-3 times a day. Why is it impossible to cancel your account with credit saint?! Please cancel my account. And please stop harassing me several times a day about payment.

  

  Business response

  03/25/2022

  After investigating this account we have confirmed that the client was emailing her request of cancellation to a no-reply email, which sent her an auto-response indicating that account changes can not be made through email and must be done on the recorded phone line in order to verify the clients identity. The clients account is now in a cancelled state. Credit Saint will never contact a client more than once a day in the attempts to collect a payment unless specifically requested to. We have confirmed using our call logs and account page timelines, that this client was not dialed more than once a day at any point, with the exception of March 23, upon receipt of this complaint.

   

  There was no phone conversation that occurred with this client on 2/24/22. The first time the client's payment method declined was on 2/26/22. The office was closed that day, and the first attempt at reconciling the payment was on the 28th of February which resulted in a voicemail being left. Had the client dialed us to discuss their account we could have resolved this situation much sooner. To once again confirm, the account is now cancelled. 

• Initial Complaint

  03/23/2022

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  In June 2021 I hired Credit Saint to help remove errors on my credit report. Credit Saint has a money back guarantee if they are unable to remove the errors. I canceled the service in January 2022 because there was no change and they were not able to get the results they said they could get in the initial interview.

  

  Business response

  04/08/2022

  We attempted to contact this client multiple times. After several failed attempts the client finally yesterday contacted us to let us know our emails were going to his spam folder. We scheduled a call for this morning and we were  able to answer all questions regarding this clients progress and account status. The client was happy with the transmission of information and stated the issues were resolved without need for additional actions.
  

  Customer response

  04/08/2022

  [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,
  
  Talion *******

• Initial Complaint

  02/01/2022

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I have paid over $600 to the company for credit repair over the past 5 months. The company claimed that they would assist with repairing my credit for a monthly fee of $119.99. The only thing the company has done in the past 5 months is send automated, generic letters to the credit bureaus. The company claims to have challenged 104 items with the three bureaus but with only 2 of those challenges being successful, their tactics of automated challenges without any substances are clearly not in any way successful. The company makes false claims to obtain monthly payments, but only sends automatic letters in order to continue to steal from its customers.

  

  Business response

  02/09/2022

  This client never requested cancellation on their account. They never inquired about a refund. Their account was still active when they filed this complaint. Once we were able to reach the client we reviewed their account. Their account was cancelled and a refund was issued under our standard policy. We wish the client had called us first, as the outcome would have been the same whether or not the client filed this claim with the BBB. 

• Initial Complaint

  11/16/2021

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I INQUIRED ABOUT YOUR SERVICES BACK IN MAY OF THIS YEAR AND WAS INFORMED OF THE FULL PROCESS AND ASSURED ME THAT CUSTOMER SERVICE IS THEIR NUMBER ONE AND I WILL BE 100% SATISFIED WITH THEIR SERVICES AND I EXPERIENCED THE ***** OPPOSITE. WITHIN ONE MONTH'S TIME I CALLED TO RECEIVE A UPDATE AND THE ONLY THING THEY WERE CONCERNED ABOUT IS A PAYMENT WHICH I HAD ALREADY PAID 200 DOLLARS,I WAS THEN INFORMED THAT THERE WERE NO CHANGES AND I WILL RECEIVE RESULTS AFTER THE SECOND DISPUTE HAD FINISHE PROCESSING.I PAID THE SECOND MONTH INSTALLMENT AND CALLED BACK ALMOST TWO MONTHS LATER FOR ANOTHER UPDATE AND WAS INFORMED THE ROUND WERE NOT FINISH PROCESSING,I AT THAT TIME BECAME EXTREMELY ANGRY DUE TO NOT SEEING ANY RESULTS AND I PROCEEDED TO CANCEL THE SERVICES AND WAS INFORMED IF I COULD WAIT ANOTHER TWO WEEKS I WOULD SEE POSITIVE RESULTS AND WOULD NOT DESIRE TO CANCEL THEIR SERVICES. I CALLED THE SECOND WEEK IN AUGUST TO CHECK THE STATUS OF THE SERVICES AND THERE WERE NO POSITIVE CHANGES, I INFORMED CREDIT SAINT THAT I'VE LOST MY GRANDMOTHER AND JUST THREE DAYS AFTER I LOST MY MOTHER AND BOTH DEATHS WERE UNEXPECTED. I INFORMED THE COMPANY THAT I'VE BEEN UNSATISFIED AND LIED TO SINCE DAY ONE AND AT THIS POINT I WANT TO CANCEL THE SERVICES. THE AGENT WOULD INFORM ME THAT ANOTHER CYCLE WERE DAYS FROM BEING COMPLETED AND I HAD ANOTHER FULL MONTH I COULD CANCEL TO RECEIVE MY REFUND,I AGAIN REQUESTED TO CANCEL MY SUBSCRIPTION AND WAS INFORMED THAT MY SUBSCRIPTION HAD BEEN CANCELED AND WAS INFORMED TO CALL BACK WEEKS LATER TO GO OVER MY LAST PROCESSED REPORTS. I CALLED THREE WEEKS LATER AND WAS INFORMED THAT I WAS NOT ELIGIBLE TO RECEIVE ANY REFUND, I INFORMED THE AGENT I WANTED TO SPEAK WITH A SUPERVISOR AND FINALLY SPOKE WITH ONE AFTER BEING TRANSFERRED THREE TIMES, AFTER SPEAKING WITH A SUPERVISOR HE WOULD NOT REFUND NOT A ***** BUT OFFERED TO CONTINUE THE PROCESS THAT I WAS TRULY DISAPPOINTED AND ANGRY. I SPENT A ***** OF $400 DOLLARS WITH NO POSITIVE RESULTS.

  

  Business response

  12/02/2021

  ************************ account went active with our company on May 15th. When the client attempted to cancel their account they were a few days short of the end of the second investigation cycle. With all of our programs, if nothing is removed within the first 90 days a full refund is issued. The account was cancelled on August 12, with an appointment set to review the results when they were received to determine progress and eligibility of a refund. 

   

  We dialed the client on the set appointment date that the client requested on 8/23/21 and were not able to reach him. We then dialed the client again the next day as well. The client stated they were unable to speak at that time and another appointment was set for the 8/30/21 at their request. We once again dialed the client on the date scheduled and were unable to leave a voicemail as the mailbox was full. We finally received a call back on 9/27/21 and ******************** spoke with a Manager regarding his case. It was reviewed that over 35 items were removed from the client's credit history. The client asked to review copies of his reports and to discuss it again once he had the chance. The following day on 9/28/21 at 3:38pm, we called the client and left a voicemail. 

   

  The next time we received correspondence from the client was this complaint. We have since spoken to the client and again sent him his credit reports to see the success of his time in the program. The program worked for ******************** and we would look forward to the chance to continue to work on his behalf. 

*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. ↩