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:02/19/2025

  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.

  This company is so dishonest in the trap thay set then kick you out of the portal that holds all communication and documents to verify work preformed thay keep changing you and when you challenge them thay hold the 90 day refund or no refund before 90 days please help me im just trying to repair my credit and this company is stealing money from good people. My grandfather had vacuum exchange in ogden ut and he was proud to have the bbb plaque on the wall in the showroom! This company advertised bbb so I thought i could trust thay would be honest thay are not!

  

  Business Response

  Date: 02/28/2025

  Since the writing of this complaint, we have had multiple conversations with this client. We are thankful for the opportunity to address and resolve his concerns. Next to delivering the best results in the industry, we deeply pride ourselves on providing a world class experience to each and every single one of our clients!

  Customer Answer

  Date: 03/04/2025

  
  
  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. They refunded 139.00 to me 
  
  Regards,
  ***** ******

• Initial Complaint

  Date:02/16/2025

  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 want to cancel my account and request a refund.

  

  Business Response

  Date: 02/24/2025

  We spoke with the client a few moments ago and confirmed their account is closed as requested. The client was satisfied with the confirmation.

  Customer Answer

  Date: 02/24/2025

  [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:02/14/2025

  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.

  I hired credit saint to hlep with my credit score money back guarantee I been with them for 3 months not one charge to my credit score not one thing so I guess they cant help me, please refund my money

  

  Business Response

  Date: 02/25/2025

  The client originally requested a refund on February 13th.  We have made numerous attempts to call the client in order to finalize their refund request without success. The client's account has been cancelled and refunded in full. We regret that this client falls into the small percentage of those who do not see changes while with us, but simply answering or returning our calls would have resulted in the same outcome as filing this complaint. 
  

• Initial Complaint

  Date:02/12/2025

  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.

  The company has a 90 day money back guarantee if no changes have been done to my credit report, I reached the 90 day with nothing being done and requested a refund. I spoke with someone and they did an audit of my credit report and found that the "late payments" from my child support have been removed. I explained I agreed with my ex to sign a new order forgiving my arrears to specifically aid in repairing my credit. The woman I spoke with said she needed something in writing from my ex that stated that we agreed to have the arrears removed. I provided that, I also provided the signed order. After receiving what was requested the lady then said they wanted something from the ago stating the damages were removed due to my efforts. I called the ago and was told the only thing they would provide is the court order and a financial report. I tried to explain this to credit saint but they refused to give my refund without something from the ago.

  

  Business Response

  Date: 02/21/2025

  We have multiple attempts by phone and email to reach this client in order to review her case and discuss her concerns. However, we have been unable to reach her. Please dial in and ask to speak with a Manager, we will take excellent care of you.

  Customer Answer

  Date: 02/21/2025

  
  Complaint: 22934289
  
  I am rejecting this response because: I spoke with ********* the senior manager of client services. I explained to *********, I provided what the representative requested at the time of the refund request and was told those documents would be sufficient to receive my refund. ********* requested the same documentation that is not possible for me to obtain as I explained before. I refuse to accept credit saint's claims they did anything to help me as a customer after 90 days, and I find it too convenient that credit saint is claiming they removed anything only after I requested a refund. This "money back guarantee" ploy is a poor tactic used to pray on potential customers to draw them in and take advantage of with no intentions of follow through on what they are falsely advertising.  
  
  Regards,
  
  **** ****

  

  Business Response

  Date: 02/28/2025

  Thank you for taking the time to speak with us regarding your experience and concerns. Upon receipt and review of your documentation, we issued a full account refund in line with our 90 day money back guarantee and closed your account. We are thankful for the opportunity you gave us to investigate your concerns.

• 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,
  ********* ******