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:06/19/2025

  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.

  March 14, 2025 I decided I wanted to work on my credit and through a friend was told about Credit Saint. I started an application with the company but never completed it because I decided to research the company a little more and saw discouraging things that caused me to change my mind. Meanwhile I get a call from my bank because they thought fraud was happening, Credit Saint was constantly trying to pull $195.00 from my account but my bank was blocking the transaction although my application wasnt complete nor did I send my personal information in for them to even start working on my credit. So after receiving the call from my bank I told them I was familiar with the company (Credit Saint) and I would give them a call call myself which I did to let them know that I would like to cancel my account this would be April 2, 2025. So moving forward to May 3, 2025 Credit Saint takes $195.00 from my account anyway. So I call the company and they say I didnt confirm that I wanted to cancel as if I myself didnt call and say I want to cancel my account and their reason is that they called me back and I didnt answer, no email or any other attempts were made to reach me. So while talking to the **** attempting to resolve the issue I was told the cancellation call I made April 2, 2025 would have to go under review and I would receive a call back May 14, 2025. I never received that call so I called back today June ******* and spoke with a guy named ***** employee # **** who now says I cant receive a refund of my money at all because I canceled my account.

  

  Business Response

  Date: 06/30/2025

  We spoke with this client on the same day of his complaint and were able to resolve all of his concerns. The client is only in their first cycle of disputes, and we have a follow up scheduled to review the results of that first cycle. We are eager to see what the power of Credit Saint can do for Mr. Williams and appreciate the opportunity he gave us to find a solution that met with his approval.

  Customer Answer

  Date: 06/30/2025

  [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 23492493, and find that this resolution is satisfactory to me.
  
  
  
  
  Regards,
  
  
  
  Zachary Williams

• Initial Complaint

  Date:06/09/2025

  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 PAID CREDIT SAINT $200 UPFRONT FOR PROMISES MADE FOR REMOVING SOME NEGATIVE ITEMS FROM MY CREDIT REPORT.I NEVER SAW A REPORT THEY TOOK MY MONEY AND DID WANT TO GIVE IT BACK WITHOUT ANY RESULTS.THEY LIE TO YOU.DIFFERENT CUSTOMER SERVICE **** LIE AND TELL YOU DIFFERENT THINGS...THEY WERE RUDE WHEN I REACHED OUT TO THEM...I HAVE NO EVIDENCE NEGATIVE ITEMS WERE TRULY EVER CHALLENGED..JUST GOING BY CREDIT SAINT'S WORDS..THIS FEELS LIKE A SCAM LIKE MANY OTHER REVIEWS ARE SAYING...I AM ASKING THE BBB TO LOOK INTO THIS MATTER.

  

  Business Response

  Date: 06/17/2025

  We appreciate the opportunity to address these concerns and are thankful we were able to resolve them with the client. While the client had not yet been in the service for the 90 days required, we understand that this process can be frustrating and that the credit bureaus certainly add tremendous uncertainty to that process. After fully addressing all of this clients concerns, he was refunded and we wish him the best of luck on his journey towards better credit.

  Customer Answer

  Date: 06/17/2025

  [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:05/21/2025

  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 paid $195 on 5/2/25, this company has extremely poor service; providing incorrect information and repeatedly request documents with no action; No clear communication of what is occurring with the bureaus or explaining the process - misinformation of the next steps. Cannot provide reason/for letters from Experian. 5/21/24, Spoke with a specialist, still requested docs for verification, which has been sent. I was advised no refund, until a 90 day cycle was met. I was not advised in the consult to send docs for proof of address every ********************************************************* this plan. Five(5) docs were sent. The file remained in Action Required, until I call for updates; corrections - the letter sent for explanation, marked as suspicious. What does this mean! ********** customers and not taking accountability.

  

  Business Response

  Date: 05/28/2025

  We appreciate the opportunity we were given to speak with the client regarding her concerns and her experience. Upon further review, we have confirmed that dispute letters were sent to her creditors with her full proof of address documentation as well as the Bureaus directly. We are looking forward to seeing your next set of results and are grateful to be with you on your journey for better credit.

  Customer Answer

  Date: 05/29/2025

  [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. I was contacted and the matter was resolved, cleared up the misinformation and provided their name/contact information directly.  We discussed the current plan and I will continue with the service for this case.  I appreciate the response and the willingness of the person who called to help in resolving the issue.  Thank you.     

  
  Regards,
  
  Destiny Major

• Initial Complaint

  Date:05/17/2025

  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 enrolled in Credit Saint service the second week of May 2025. For many days I never could get any one to respond by phone or via internet, so I called them on Friday 5/16/2025 and was told the fee had already been taken out of bank, they just stole $195.00 for no service provided and I never even talked to anyone during this period of time. They just took funds without ever talking to me one time. I know now I should have never enrolled this service but it did seem good at the time. A company that can do this to cosumers should be held accountable and not be allowed to continue to steal your hard earned funds. I would like to see them prosecuted with a class action suite.

  

  Business Response

  Date: 05/27/2025

  We appreciate the opportunity that Mr. ****** gave us to speak with him and address his concerns. Upon further conversation with Mr. ******* We explained that he had signed himself up using our Online Sign Up System. However, Mr. ****** was not aware that he had completed the sign up process. We reviewed his concerns, issued a refund for the initial fee and ensured that he understood what had taken place. We were able to resolve the matter to his complete satisfaction and always seek to ensure our clients have a world class experience. We wish Mr. ****** all the best on his journey towards better credit.
  

• Initial Complaint

  Date:05/15/2025

  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 cancelled this **** two years ago. But due to my moving and not knowing I was being charged $79.99 a month, I only discovered it today. I called the company and cancelled again, and asked for a refund of the last 3 months. They refused saying they had a policy for this but since it was more than 120 days, they could not help me. I want to warn others consumers not to use this company.

  

  Business Response

  Date: 05/28/2025

  We appreciate the opportunity that Mr. ******* gave us to speak with him and address his concerns. We were able to resolve the matter to his complete satisfaction and always seek to ensure our clients have a world class experience. We wish Mr. ******* all the best on his journey towards better credit.

• Initial Complaint

  Date:05/11/2025

  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 with credit saint for a credit repair, they told me all the good things I needed to hear. They told me my credit will be good after they are done , they told me that if nothing gets resolved in the first 3 months , they will redo my money, they were charging me $130 each month for a total of 12 months, on the 12 month I call them and they told me there is nothing they can do and they cant refund my money back. They are FRAUD and this needs to be resolved, they are steeling and taking advantage of people. They should be in jail. I want my money back.

  

  Business Response

  Date: 05/22/2025

  All of our programs come with a 90 day Money Back Guarantee. However, the client had gone well beyond the timeframe in order to request a refund. Upon further review and conversation with the client, we were able to find and provide an acceptable resolution. We appreciate the opportunity we were given to resolve this matter.

• Initial Complaint

  Date:05/09/2025

  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.

  I engaged credit saint to to credit repair. They have a 90 day money back policy I attempted to cancel and there is no legitimate way to contact that does no need extraordinary effort to do. Once you are a client there text website function goes away. You cannot email them, and only a phone number which never connects, I called my bank to get the vendor blocked which they did and they are still attempting to charge me. This company seems to be a scam and must be stopped. I engage them feb 01 2025 and canceled about one month later. and then had the vender blocked from my account.

  

  Business Response

  Date: 05/22/2025

  We have tried to reach out to this client by email and phone calls over the course of many days, with no response. Please give us a call, we are eager to address your concerns and take excellent care of you.

• Initial Complaint

  Date:04/22/2025

  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.

  Im extremely disappointed with my experience using Credit Saint. I signed up hoping to see improvements to my credit report and gave the service a fair chance. After nearly three months and $175 paid within their 90-day refund policy, not a single item was removed from my report. After that, I was charged an additional $139.99, bringing my total to $315. I reached out within the 90-day window to request a refund due to the lack of results. I was told they needed to re-check my credit report before issuing a refund, even though my dashboard clearly showed no progress. I trusted they were following through and would honor their policy. Instead, there was no follow-up. They continued charging me, and I never received a refund. Emails went unanswered, and every time I tried calling, the line was either busy or I was placed on long holds during working hours, making it nearly impossible to get through. By the time I finally spoke to someone again, I was told I was now outside the 90-day period and no refund would be giveneven for the charges that came after my refund request. They also claimed they reviewed the call and said I never asked for a refund. That is a lie. I clearly and directly requested one. When I asked for the call recording or transcript, they refused. There was no escalation path, no resolution, and no acknowledgment of the truth. It feels like I was deliberately stalled and misled so they wouldnt have to honor the refund policy. Even if they claimed there was a misunderstanding (there wasnt), the right thing would be to refund. Instead, they altered the truth and denied me help. I followed their policy and got nothing in return. Im requesting a full refund of $315, and if Credit Saint resolves this fairly, Im willing to update or remove this complaint.

  

  Business Response

  Date: 05/05/2025

  While we never want a client to feel this way or have this type of experience with us, we are thankful for the opportunity that Mr. ******* gave us on April 23rd to discuss and review his concerns. Upon conclusion of our interaction, we were able to confirm that this matter was fully resolved to the clients satisfaction. 

• Initial Complaint

  Date:04/07/2025

  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.

  Contracted with Credit Saint (CS) on 07 December 2024. They were provided all the requested materials and information in order to pursue four specific disputes. To date not one has been removed; the credit reporting agencies (CRA) have not sent me any declinations as required by the Fair Credit Reporting Act; Credit Saint has refused to provide me with any evidence of having filed the disputes; the only evidence of any activity are letters from the three CRAs alleging they have an inquiry from a third party but are not willing to recognize it as legitimate. In short: they don't recognize the authorization I've granted CS. This last matter has only happened once with each CRA which alludes to possibly only one submission since December and begs whether the above, submitted to CS for them to pursue was even acted upon. CS is alleging they've submitted these disputes three times for three 25 day cycles.
  
  This complaint is about performance before money...either they evidence they've actually challenged the four disputed matters; evidence the CRAs declination or return all that I've paid to date.

  

  Business Response

  Date: 04/18/2025

  We have tried to reach out to this client by email and phone calls over ten times, with no response. Please give us a call, we are eager to address your concerns and take excellent care of you.

• Initial Complaint

  Date:04/02/2025

  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.

  This company is a money hungry scam system. They randomly charged me $195 without any authorization and once I called to ask why that was done they cancelled my account that I didnt even authorize and told me they couldnt refund me because I signed for it. I DID NOT SIGN FOR ANYTHING.

  

  Business Response

  Date: 04/03/2025

  Before receiving this complaint, we had already spoken with Mr. **********, to confirm his account was cancelled and refunded. Thank you for giving us the opportunity to review your enrollment with us.