Complaints

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:03/11/2025

  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.

  On July 29, 2024 I paid this company to repair my credit for $625 to total price up front instead of doing the monthly payments. I requested that I get a refund due to the fact nothing was being done on my credit. I requested a refund last week via the secure portal they have and they unenrolled me from the portal and have not said anything about my refund. I paid for a year of service which would have been Aug 1, 2025. I am requested a full refund due to the fact they wasted 7 months of my time and was unable to simply submit a dispute.

  Business Response

  Date: 04/15/2025

  ****** was refunded she cashed the check and still complained.  We did get results for ****** but even with that we honored the refund.  For that she should take back any negative statements because we were here for her calls, were were here for her concerns, we listened to what she was going through in her life.  And we provided services and still refunded the money she paid.  So ****** was made refunded, got services and complained to the BBB eventhough she got what she wanted.  We consider this matter closed.

• Initial Complaint

  Date:02/05/2023

  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.

  After dealing with this company it is evident that no one is actively working on my file. Its sad to think they've been in *********** years and how many people they've potentially messed over. Mthly installments until ****** paid in full, after acct paid in full there is little/no communication from them. I've called, texted and emailed for results. The only items removed from my reports are items scheduled to fall off anyway. The main things I hired them for are still there. I subscribed to a monthly credit monitoring service (per their request) which was $34 per month giving them access to updates and still no results. The owner *************************** will never return a call. One representative told me he was not ALLOWED to work my file I guess because they had newer clients that took priority, another young lady had the nerve to tell me maybe I should call the credit bureau's myself to dispute the info- I responded but that is why I hired your company, if I need to call myself you need to tell the owner I need my money refunded- to that she had no response. I see by the complaints on this forum I am not the only person he is doing shady business with. Its a money grab business because as soon as they have your money its a wrap with no results. The person in sales sold well and told me my file would be easy with no BK's etc. They NEVER correspond with you unless you call 24/7 blowing up the *********** still get the run around. A representative had the nerve to ask me for the account numbers of the accounts I am disputing which goes to show they were NOT working on my file. They have the log in info to everything but always ask you for everything over and over again like you are brand new, they don't want to take any initiative to work on your behalf as promised. (I know all reps names) The owner post MANY UTube videos saying he know this and he know that but NO results- again the UTube is just another monetization. I seek a full refund of my hard earned money.

  Business Response

  Date: 02/06/2023

  Here are the results we got for Ms **********************
  Deleted Items Equifax 2    Experian 2 Transunion 4
  Regarding not being able to talk to ******************** - ******************** is the President of the company.  He pays his customer service staff to talk to customers.  ************** if employed would do the same if she was paid by her company to speak to customers.
  Here's a tracking of specific work processed below:
  Dispute 6/22/21_equifax 06/22/2021 8 POINT VALIDATION DISPUTES
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  Dispute 6/22/21_experian 06/22/2021 8 POINT VALIDATION DISPUTES
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  Dispute 6/22/21_transunion 06/22/2021 8 POINT VALIDATION DISPUTES
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  CEASE COLLECTIONS LVNV AND PORTFOLIO 5-26-2021_LVNVFUNDINGLLC 05/26/2021
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  CEASE COLLECTIONS LVNV AND PORTFOLIO 5-26-2021_PORTFOLIO 05/26/2021
  CEASE COLLECTIONS LVNV AND PORTFOLIO 5-26-2021_LVNVFUNDINGLLC 05/26/2021
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  CEASE COLLECTIONS LVNV AND PORTFOLIO 5-26-2021_PORTFOLIO 05/26/2021
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  DISPUTE BUREAUS 5-26-2021_equifax 05/26/2021 8 POINT VALIDATION DISPUTES
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  DISPUTE BUREAUS 5-26-2021_experian 05/26/2021 8 POINT VALIDATION DISPUTES
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  DISPUTE BUREAUS 5-26-2021_transunion 05/26/2021 8 POINT VALIDATION DISPUTES
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  05/04/21_equifax 05/04/2021 8 POINT VALIDATION DISPUTES
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  05/04/21_experian 05/04/2021 8 POINT VALIDATION DISPUTES
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  05/04/21_transunion 05/04/2021
  07/26/21_equifax 07/26/2021 8 POINT VALIDATION DISPUTES
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  07/26/21_experian 07/26/2021 8 POINT VALIDATION DISPUTES
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  07/26/21_transunion 07/26/2021 8 POINT VALIDATION DISPUTES
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  DISPUTES_equifax 07/26/2021
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  DISPUTES_experian 07/26/2021
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  DISPUTES_transunion 07/26/2021
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  DEBT VALIDATION_USDEPTED 07/26/2021
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  DEBT VALIDATION_LVNVFUNDINGLLC 07/26/2021
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  DEBT VALIDATION_800LOANMART 07/26/2021
  DEBT VALIDATION_PORTFOLIO 07/26/2021
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  DEBT VALIDATION_08CAPITALONEBANKUSANA 07/26/2021
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  DEBT VALIDATION_01WEBBANKGETTINGTON 07/26/2021
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  DEBT VALIDATION_READYREFRESHBY 07/26/2021
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  DEBT VALIDATION_WEBBANK/GTN 07/26/2021
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  DEBT VALIDATION_WEBBNK/FHUT 07/26/2021
  RD2_equifax 08/08/2022 8 POINT VALIDATIONS
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  RD2_experian 08/08/2022 8 POINT VALIDATIONS
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  RD2_transunion 08/08/2022 8 POINT VALIDATIONS
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  warning_equifax 02/04/2022
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  warning_experian 02/04/2022
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  warning_transunion 02/04/2022
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  01/17/2022_equifax 01/17/2022 8 POINT VALIDATION DISPUTES
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  01/17/2022_experian 01/17/2022 8 POINT VALIDATION DISPUTES
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  01/17/2022_transunion 01/17/2022 8 POINT VALIDATION DISPUTES
  01/17/2022_transunion 01/17/2022 8 POINT VALIDATION DISPUTES
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  09/10/21_equifax 09/10/2021 8 POINT VALIDATION DISPUTES
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  09/10/21_experian 09/10/2021 8 POINT VALIDATION DISPUTES
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  09/10/21_transunion 09/10/2021 8 POINT VALIDATION DISPUTES
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  07/27/21_equifax 07/27/2021 8 POINT VALIDATION DISPUTES
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  07/27/21_experian 07/27/2021 8 POINT VALIDATION DISPUTES
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  07/27/21_transunion 07/27/2021
  ******************* also submitted a direct furnisher dispute/validation to LVNV Funding LLC - they acknowledge they received but ************* never forwarded any responses from ************ they would send it directly to her.  This was regarding WEBBANK ********** account.
  
  ************* has not continued her credit monitoring services so we cannot login to see results.  The main is*** is due to 2 collection agencies that were not making a decision on how they were going to proceed with a debt they purchased.  LVNV and Portfolio Recovery purchased the debt they didn't make a decision to *** at that time.  We requested a full debt validation of the debt and the response would go directly to **************  Option 1 - offer a settlement on the debt ************* was not willing to do that.  The next option would be to wait until the debt collectors made a decision to *** **************  
  This is beyond our control because we cannot make the debt collector make a decision.  We can only offer an option based on their decision.  From our last conversation with ************* the debt collectors still didn't make a decision.
  We believe that this delay is possibly due to a recent court lawsuit against ************ and Portfolio Recovery due to debt collection violations.
  We are still willing to help ************* but only if she is willing to follow through with our options to resolve the matters in question.  If not, she is not allowing us to do our job she is only trying to tell us how to do our job.

  Customer Answer

  Date: 02/09/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [The response from Credit Repair Shop is complete jibber ish. It makes no sense. I only requested to speak to the owner after months of run around from his staff. If you are in business to provide a service and you are not receiving what was promised the next course of action is always to elevate to the next person in charge. Instead of them telling me the owner is too important to speak to paid clients to resolve issues they continually told me I would receive a call from him which never happened as you can see by the response. The response only mentioned ************ but that is not the only negative account that remains on my report. This is how they conduct business they never address the full picture, no attention to detail you literally have to tell them what to do.
  The SAME 3 negative accounts that I hired them to remove REMAIN on my reports:
  1. ************: Collection account that they only sent debt validation letters to, no other options were discussed with me, as a matter of fact they told me they knew all the laws to get the collection removed because they specialized in that area; this REMAIN on my report. Each time I received any feedback from creditors I informed them immediately and uploaded the documents.
  2.Department of Education paid default collection REMAIN on my report
  3.1800 Loan Mart paid late account REMAIN on my report
  This company has had FULL access to my account with all log in info to credit monitoring service but chose to let my account sit idle while I paid them and the credit monitoring service each month. They pass the buck and take no accountability for not cleaning my report as they promised and of course they only addressed 1 account. This response is unacceptable, their work or lack there of has been unacceptable and the only resolve is a refund. As I mentioned in initial response the only things that have come off of my report are things that were scheduled to fall off. I even had to call each bureau to have all of my personal information corrected which I was told should have been the first step by this company. I have no confidence in them at this point and they wont even return a simple phone call although the answering machine says within 24 hours. They prefer to conduct important business via text and often the text responses are not clear and dont answer the questions that were asked. The last time I contacted them they asked me for the account numbers again when they have full access to all of that info but are too lazy to do the research. I believe they are juggling so many clients they do not have the ability to properly service their clients but have no problem accepting our hard earned money.
  
  
  Regards,
  
  *********************

  Business Response

  Date: 02/09/2023

  If ***** does not wish to make a settlement I don't know how we can move forward.  We would like to reveiw your reports to determine a starting point for work we did and where you are at now.  She made a statement that no work was done and we provided proof of that work that was completed.

  Send over your current credit reports for review and comparison to when you started.  We believe additional completion of files were accomplished.

  Customer Answer

  Date: 02/19/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  

   

   

   

  [I  REJECT:
  The purpose of my complaint with the credit repair shop is not to go back and forth with this company. I have been there done that and the ONLY reason you are communicating with me now is because I filed a complaint. I have called and called and called and emailed and emailed and text over and over again with NO response, no resolve. Oh except the representative who told me he is "NOT ALLOWED" to work on file.  I previously uploaded proof that I still have negative items on my report and regardless to how many letters you sent they did not work because your company has very poor follow up skills and offers NO consistency as evidenced by your BBB rating. You don't have a C or D or even a D-  you have a "F" No matter how you slice it an F = FAIL, you have FAILED many of your clients and instead of taking ownership you send an unintelligent response " If ***** does not wish to make a settlement I don't know how we can move forward?" What are you even talking about? A settlement? That's why negatives are still on my report because you don't even know proper verbiage. I DO wish to make a settlement, YOU refunding my hard earned money back is the settlement I wish to make. I've wasted enough of my valuable time with you, your company and your empty promises which is why I REJECT working (not working) with your company any further. YOU=FAILED. The only resolve for me was stated CLEARLY in my initial complaint. MY MONEY refunded back and at the very, very least half of my money refunded ASAP. I do not wish to speak to you on this matter any further unless you are sending an email confirming a refund. 
  
  
  
  
  
  
  ]
  
  Regards,
  
  *********************

• Initial Complaint

  Date:09/29/2022

  Type:Sales and Advertising 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 for their so called credit repair service. All sorts of promises were made. I paid a total of $297.61 and none of what they promised happened. I began getting excuse after excuse. I immediately requested to cancel the service and told them I no longer had confidence in their service nor trusted them anymore. I want ALL monies paid to be refunded immediately.

  Business Response

  Date: 09/30/2022

  When working with ************** he was very impatient and we tried to help him but it was very difficult working with him.  

  Regarding his allegation that we did nothing Here's his recorded results.

  *30% finished

  1 deletion equifax

  2 deletions experian

  1 deletion transunion

  SYNB/Pay pay account deleted

  BBVA Account deleted

  VITA ******** account  deleted

  ************** had filed a Chapter 7 Bankruptcy and this makes the process take longer due to the timeframe of the discharge from the court and full notification to the creditors who will file their **** to the IRS.

  We explained this to him but he was very impatient.  

  ************** also refused to allow access to results done from our work since May 2022 - there could be more deletions of negative credit but we don't know and he refuses to allow us to have that access.

  We've made a decision to discontinue his file and we will refund his payments eventhough we have proven that work was done and that we continued working on his file.  We are willing to post those files here if ************** would like us to, but he must understand that this will make his files public on this website.

  Customer service will be calling ************** to arrange the refund since it is past the 6 months timeframe alloted by credit card providers.

  Customer Service Team

  Customer Answer

  Date: 09/30/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and even though I disagree with many items outlined, I do agree on the full refund of $297.47. I see a partial refund has been issued for $95.84 which leaves a refund balance of $201.63. Once the total refund has been issued, I will find this resolution to be satisfactory to me. 
  
  Regards,
  
  *************************