Consumer complaint received 2026-01-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Saint Services LLC
State: PA

Complaint narrative:
I am submitting this complaint against Credit Saint , LLC, a credit repair organization that has engaged in unfair, deceptive, and abusive acts and practices, including billing for services not rendered, in violation of federal consumer financial protection laws. In XX/XX/year>, I received an alert from Chime that I would qualify for credit repair services since I was looking to repair my credit. They recommended Credit Saint as one of their vendors who assist people with credit repair. I signed up believing they would assist me with getting my credit back on track, however that did not happen. I never received any letters that they were challenging the creditors or credit bureaus as they stated they would. According to the package I signed up for the services included credit remodel : challenges to the XXXX credit bureaus, creditor intervention letters, personalized guide to credit, etc. However, I never received any updates. They charged me {$99.00} for an initial working fee and then {$100.00} after that. They stated they have a 90 day money back guarantee according to their website. I recently pulled my annual credit report to see if there were any changes to my report and nothing has been challenged except what I disputed. I have been charge {$100.00} for 9 months and with no work being done on my behalf as they stated they would. I called back in XX/XX/year> to cancel the service because I checked my bank statement and noticed I hadnt heard from them since the initial setup. I had thought the services cancelled until XXXX when I was charged {$100.00}. So, I contacted Credit Saint and inquired about my phone call back in XX/XX/year> and the guy stated there was no record which was mind blowing. They are constantly charging me for services they are not standing up to based on the package I signed up for which is truly unfair because I work hard for my money and dont have time to give it away. Since XX/XX/year>, Credit Saint , LLC has withdrawn {$100.00} per month from my bank account for credit repair and credit remodeling services. Despite these recurring withdrawals : No meaningful credit repair services were performed No documented credit bureau disputes were initiated No results, updates, or progress reports were provided No measurable improvement to my credit profile occurred No proof of work or itemized services has ever been supplied Credit Saint continued billing without performing the services promised, constituting unlawful enrichment and deceptive conduct. 

Credit Saints actions raise serious concerns under the following federal authorities : Unfair, Deceptive, or Abusive Acts or Practices ( UDAP ) Credit Repair Organizations Act ( CROA ), 15 U.S.C. 1679 Federal Trade Commission Act, 15 U.S.C. 45 Charging consumers recurring fees without rendering services and failing to provide transparency or documentation constitutes consumer harm and regulatory non-compliance. These charges were taken without corresponding performance, resulting in financial loss and consumer deception. This complaint is submitted in good faith to seek restitution and regulatory intervention. I appreciate the CFPBs role in protecting consumers from unfair and deceptive financial practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation