ComplaintsforCredit Suite, Inc.

• Initial Complaint

  02/09/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I put down half of the cost to join the ******************** program and was told I'd have 30 days to put down the other 50%. Within 4 days of my deposit, after reviewing the product more thoroughly and having been assured I'd have a 30 Day Money Back Guarantee, I realized it could not be sold in the manner that I specified to my salesperson during my consultation so I requested a refund. To my bewilderment I was denied and was told the only way I could be refunded was if "they did not do what they promised". Firstly, that is a very sleazy and unscrupulous way to treat clients. I only made the investment because I was told I'd have 30 days risk free to finalize my decision and now I've gone back and forth for weeks with a woman named ****** who is refusing my refund under the guise that they've "delivered on their promises". Well I was promised a 30 day trial period! I was mislead, deceived and now have been fighting with this organization to refund my money. This sizable loss has caused me a lot of stress and anxiety and all I want to do is make this a distant memory. I've lost sleep over the prospect of being obligated to paying this money and now am at the point where I will contact every entity I possibly can until justice is served.

  Business response

  03/19/2024

  Review response: 
  
  We understand your frustration regarding the refund request and appreciate the opportunity to address your concerns. However, it's important to clarify that our decision to decline your refund request is based firmly on the terms outlined in our agreement. While we empathize with your situation, it's paramount for us to uphold these terms consistently for all our clients.
  
  The agreement you signed clearly states: "Credit Suite will refund the full amount of the purchase if the following two conditions are met: (1) Client provides sufficient evidence within the first 30 days after purchase that Credit Suite has not provided the Product or Services to a reasonably practicable standard, or Credit Suite has violated this Agreement; and (2) Credit Suite determines in its sole discretion that it has not provided the Product or Services to a reasonably practicable standard, or Credit Suite has violated this Agreement. 
  
  Neither of these two apply to this situation.
  
  In the initial email exchange with our team when you requested your refund, we promptly reiterated this terms and conditions guideline, in which you signed in agreement, and asked specifically where we need to audit your request by not delivering what we promised to delivery. In which you stated: "After 1 day of reviewing the content provided in this product I realized my plans were not feasible for this industry and immediately requested my initial deposit back.
  
  This absolutely does not warrant a refund based off our terms and conditions, so we denied the request to break contract before fulfilling the initial month you were invoiced and signed up for. Additionally, not only were these terms signed by you, but they are also available publicly for viewing on our website before and after officially signing in agreements at: **********************************************************************************************************************************************;
  
  We must emphasize with importance that our refund policy is clearly stated in our agreement, and our decision is rooted in our commitment to maintaining fairness and integrity in all our transactions. We stand by having no wrongdoing and see zero relevance of accuracy to the truth in this complaint.

  Customer response

  03/19/2024

   
  Complaint: 21258373
  
  I am rejecting this response because:

  It refuses to acknowledge the fact that I was mislead and deceived into signing your agreement under false pretenses. Not only was I TOLD VERBALLY PRIOR TO SIGNING that Id have a 30 day money back guarantee but I was also lied to about the capabilities of the product. Thats why I did not consider it feasible. Your salesman actually used a different term after I initially requested my refund- he deemed my intentions unrealistic after he sold me but only after I had already signed the agreement. So I was quoted out of context. *** also repeatedly asked you to furnish the recording of the sales call for which ***** continually refused to do so. Youve omitted this fact and it is a very important aspect of this issue. If your salesman did not lie or deceive me- simply use the recording to thwart all of my arguments. Furthermore I contacted the *** ********************* directly via LinkedIn in desperation; begging and pleading for empathy and consideration and was not only ignored but would see dozens of posts made by him in the coming days. This deeply hurt me and added to the anxiety Ive dealt with through this ordeal. Ive lost sleep and am now taking medication to deal with the high levels of stress this is causing me. So no I do not accept this response as there is no admission of wrong doing when my only issue is that I was mislead and theres been no acknowledgement of the sales presentation. Im not refuting the contract- Im refuting the lies told to have me sign the contract.

• Initial Complaint

  10/03/2023

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  i had singed up with credit key in july and i have never received the services they promised me this is just 1 big scam company i was *** that within 1 week i would be able to add tradelines start getting credit card get some kind of hyprid deal and also will be able to sign 2 business and i am at a positition where they took almost $3200 and i never received any tradelines or the business i added received anything

  Business response

  10/11/2023

  ******, we wanted to thank you again for this feedback and the phone call we had recently regarding it. As we discussed over the phone, there was a mismatch between the goals we discussed when you signed up and the end goal of actually using our system. We are grateful that you took the time to have such a great and honest conversation together to better understand your point of view and get a much better view into our side and multiple attempts at guidance, as well.Even if this particular incident is resolved, we still strive to be better every day across our teams and will use your personal experience as a learning opportunity to continue towards achieving that goal. We appreciate you and grateful we shared a few minutes together on the phone to find a positive resolution!

  Customer response

  10/12/2023

   
  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.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  09/11/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Per my first-hand experiences with them, this company is full of lies and ********! During my strategy call, the guy explained to me that the $2,999/$2,982 ($497 per month) they're charging me will be reported to all four major business credit reporting agencies (Dun & Bradstreet, Equifax Business, Experian Business, and CreditSafe). I requested a full refund in less than 30 days (both verbally and in written communications), but up until today, it was all to no avail. Instead, they kept attempting to charge my card on file when i already requested account cancellation and FULL REFUND??? LISTEN CREDIT SUITE, NOTE THAT I AM NOT JOKING AROUND WITH YOUR COMPANY. FIRST OF ALL, YOU LIED TO ME THAT YOU WILL REPORT MY $497 MONTHLY PAYMENT TO ALL 4 MAJOR CREDIT REPORTING AGENCIES WITHIN 3-5 DAYS AFTER EACH PAYMENT. I IMMEDIATELY SIGNED UP AND PAID FOR THE FIRST MONTH. THREE WEEKS LATER, YOU STILL HADNT REPORTED ANYTHING. TILL TODAY, YOU STILL NEVER REPORTED THAT TRANSACTION. SECONDLY, I ONLY LOGGED IN THERE A COUPLE OF TIMES THE FIRST COUPLE OF DAYS AND NO INFORMATION ON THAT PORTAL IS WORTH ALMOST A WHOPPING SUM OF $3000, FOR GOODNESS SAKES!!! SAME INFO AND IN FACT, MUCH MORE UPDATED INFO OF THAT SORT ARE ALL ON ******* FREE OF CHARGE! THERE'S NOTHING NEW NOR HELPFUL THERE. ALL ** DID WAS HOOK UP ALL HIS AFFILIATE COMPANIES AND RECOMMENDED THEM TO HIS VICTIMS SO HE MAKES EVEN MUCH MORE MONEY UPON EACH PURCHASE.LISTEN, I WILL REPORT CREDIT SUITE TO CONSUMER FINANCIAL PROTECTION BUREAU, ATTORNEY GENERAL OF MY ************), AS WELL AS *** YOU FOR FRAUD AMONGST OTHERS, IF I DO NOT RECEIVE MY $497 CHECK BY MAIL, WITHIN THE NEXT 10 DAYS IN MY BUSINESS ADDRESS I SENT TO YOU VIA EMAIL. I DO NOT RECOMMEND THIS COMPANY NOR THEIR AFFILIATES FOR ANY TRANSACTIONS, AS THEY'RE NEITHER NOBLE NOR HONORABLE MEN! THEY DO NOT HONOR THEIR WORDS NOR BUSINESS AGREEMENTS.

  Business response

  10/03/2023

  Hello,
  
  We have completed a full review of this account and have been in contact with this customer.
  
  We emailed and spoke on the phone to resolve this issue. 
  
  Noted in the screenshots provided, we refunded the amount, and the customer also noted that she would remove her negative reviews. 
  
  We ask that this complaint be removed per our discussions with the customer. 

• Initial Complaint

  07/17/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This has been a highly disappointing investment for my business. Despite promises of quickly building business credit and separating my personal and business accounts, I have experienced constant phone calls and emails with no real value. After two months and significant expenses, completing their recommended steps has yielded no results. The only useful business credit I have is what I established independently.The process, contrary to their claims, is time-consuming with each step requiring reporting to credit bureaus. While I understand this is not their fault, my attempts to communicate during the waiting period were met with limited response. Even when my credit reports were updated and I sought guidance on next steps, I encountered unhelpful replies and was directed to call for further discussion.Regrettably, the call proved to be unproductive and a waste of my time, lacking any meaningful conversation about my business goals. It has become evident that this program holds little value, and I deeply regret investing in it. My attempts to share my experience on another review site were met with the company refuting my claims and inaccurately suggesting that my business had received funding as a result of their product. I want to clarify that my business had already secured funding prior to purchasing their credit suite, and the decision was unrelated to their offering.Overall, this has been a highly disappointing experience, and I urge others to carefully consider the value and efficacy of this program before investing.

  Business response

  10/04/2023

  Thank you for providing in depth feedback. 
  
  After looking into the details more, it seems that you signed up for our monthly Fundability subscription.
  
  This is a month-to-month subscription, and it can be canceled at any time. As part of this subscription, you received accountability coaches that helped you through the process of building business credit. We've helped tens of thousands of business owners successfully establish business credit, improve their Fundability, and access loans and credit lines.
  
  Our call logs and detailed internal notes show that we were in regular contact to assist in building business credit that is separate from your personal credit. That being said, you started using our software on June 15th, 2023. And submitted a cancellation request on July 15th, with a cancellation confirmed on July 17th. This is less than two months, as you claim. Our service agreement that you signed when you started denotes the level of service that we must maintain. It is our view that we maintained the agreed-upon level of service.
  
  It should be noted that to effectively build enough business credit accounts to improve your overall Fundability, it typically takes 69 months and around 14 confirmed reporting accounts. This can be sped up when you have confirmed accounts already reporting on your credit. It should also be noted that while business credit is an effective way to separate yourself personally from day-to-day business expenses, it is only one factor in your business's overall ability to be approved for funding. Other factors will include personal credit quality (not just personal credit score), revenue, tax returns, proper accounting and financial statements, time in business, number of employees, applicable collateral, and more. Often, business owners build business credit to get the best rates and terms, as well as strategically use it to keep business expenses from showing on their personal credit, which can improve utilization rates. Just having a list of vendors will not qualify your business for a loan. 
  
  Business credit building is very different from establishing personal credit. Most business credit accounts do NOT report to the three main business credit bureaus. Our program provides a path to make sure your business is set up properly BEFORE you begin applying for accounts. I can see that this process might have hit a few roadblocks regarding your address and your secretary of state. Once you begin applying for accounts, you must be approved for a reporting account and then make a purchase using that new account. Making purchases using your business credit and paying those accounts in a timely manner is what gets them to report. Any account you applied for from our system likely did not even have enough time for you to get approved, make a purchase, and pay that invoice or statement to see the account report. You provided feedback that the process is taking a long time. However, as noted above, you were only utilizing our software and coaches for a period of one month.
  
  We see that you entered existing accounts into the Funding Manager that were acquired BEFORE you entered the system. We did not help acquire these accounts, and because of some known Fundability issues, these accounts may or may not be reporting properly. This is often something we review with clients, which is why we ensure your ********************** is corrected BEFORE you proceed to build business credit.
  
  You mentioned that your business has previously received funding from outside sources. Previous funding does not guarantee future funding, and we've even found that applying for things in the wrong way might even hurt future chances of getting approved for more funding. 
  
  We appreciate your feedback and have shared it to all relevant department supervisors to ensure that we are always improving our service to our clients. 

• Initial Complaint

  03/14/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I purchased Credit Suites Core FP program (which gave me lifetime access 2 the pgm) which my understanding was 2 help me build biz credit. When I purchased it in 11/10/21 I had not set up my biz including the *** or anything set in stone. I thought it be best 2 do it rt from the start so I thought if I purchased this plan it would help me start off right. Below is the details of what I purchased ac**rding 2 their system. Inv#****** Core FP which I paid 4 in full on 11/10/21 in the amount of $2997. Shortly after I purchased the pkg I had 2 deaths in my family which devastated me and I had 2 put on hold starting a biz because it was just 2 much 2 handle. So when I called 2 express what had happened in 2022 I was told I **uld not chg the name of the ** (which 4 the re**rd it was just what I was thinking I would name the ** but when I had to put it all on hold it was never really solidified as my ** name nor had I filed anything with any govt. agency that it was the ** I was going 2 build). When I was able to pick up starting a biz I had **ntacted them to explain what had happened, so I can use the pgm I purchased to build biz credit with the biz I was going 2 set up. I was told I **uld not chg the name or my info and I was stuck with that ** name. I expressed that was not the name of the ** i decided to go with and I explained what happened in my life. I didn't want a refund but I wanted 2 use the service I paid 4 but they wouldn't let me unless that's the ** name I use. I never established that ** & the ** I did file and set up they wouldn't let me change it so I can use it. So I was basically informed there was nothing they **uld do. I **ntacted them again more recently & expressed the same issue & was still told they wouldn't chg the name or my info so I can use the svc I paid 4. When they wouldn't let me use it even though I paid in full then I finally asked them 2 refund if they won't let me use the svc I paid 4. I really just wanted 2 use the svc I paid for I really didn't want a refund just the ability 2 use the $2997 svc I paid 4.

  Business response

  03/15/2023

  Hello, 

  We have heard and reviewed your feedback.

  We want to help you in this hard time you have gone through,

  We will be able to let you start back on the Business Credit Builder program with your new business.

  Thank you

  Customer response

  03/22/2023

   
  Complaint: 19589633
  
  I am rejecting this response because:
  

  
  Hello,
  I recieved the email from BBB but Im nt sure I understand the response?
  Will they allow me to change my information to my business? Im just a bit
  confused.  The uploaded documents, are those the documents I uploaded?  I
  dont want to accept the response unless I understand what they are
  proposing. Thank you for your help.
  

  
  Sincerely,
  
  *************************

  Business response

  03/22/2023

  Hello *****, 
  Yes we are going to allow you to change your business information and move forward. 
  Please reach out to *************************************** to make those changes. 
  This is not something we usually allow but are willing to work with you in this matter. 
  Thank you. 

  Customer response

  03/23/2023

   
  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. For the record and in response to their reply obviously I dont have family members dying all the time causing me to stop the creation of my business so I guess that makes us equal its not common practice for you nor myself.  That was not a necessary comment.  However thank you for making the exception otherwise I think it only be fair to refund my $2997 amount paid.  
  

  What needs to be in my email to your company to allow this process to move forward quickly and efficiently?? 
  
  Sincerely,
  
  *************************

  Customer response

  04/07/2023

   
  Complaint: 19589633
  
  I am rejecting this response because:
  

  To Whom it May ***************** have been sending emails to this address to update my information, and
  it seems as though you have updated my information without talking with
  me. I have submitted a complaint with the Better. *************** that
  said I was to email this address to get the information updated however,
  it seems as though no one wants to acknowledge or email back. Please reply
  back on how to update the information in my account as per the message
  your company sent to the **************** Thank you.
  
  Rgds,
  
  ************************* (my maiden name is *********************, but ***** do not assume that
  is what name is what my legal name is) please email me with instructions
  on how to update all my information for my business and contact
  information.
  
  Ps I just noticed that you gave the BBB an incorrect email address for me
  to use.
  

  
  

   

  
  Sincerely,
  
  *************************

  Business response

  04/07/2023

  Good morning ******,
  I do see that we responded back to you from the concern you put on the Better Business Bureau and we have no outstanding calls or emails that weren't responded to.   I just called now to help you on your concern and left a message.   We want to help you on your account. 
   
  You can log in to your account and work on Step 1 under the Build My Business Credit to move forward on your account.
   
   
  Please let us know if any questions,  here to help.  

• Initial Complaint

  10/04/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  The transaction was on August 29, 2022 in the amount of $4,497.00. Prior to subscribingto the program, we worked with a credit suite representative that provided us with information about the program and benefits to our business. Prior to committing, the advisor stated we could try out the program and if it's not a right fit for our businesswe had a money back guarantee. In addition, we would notify Credit Suite of our desire to cancel the program and request a refund within the first 30-days.I contacted Credit Suite on 9/22/22 and shared that our business is unfortunately no able to utilize the program due to having to dissolve our corp. the owner of our business has become terminally ill and we will have to request that our subscription be cancelled and refunded. I expressed that there is uncertainty with the financial structureof our business and it is necessary that we handle this within the 30-day period of us signing up. This is a stressful and very hard time for our business, we are losinga partner.Upon contacting Credit Suite ***************** *************************, she stated I needed to call the company who I used to pay for the program. However, that was not the process. Credit Suite has to provide the authorization for a refund of the program. *************************, Credit Suite Billing provided me with a dispute form and stated that I needed to complete the form and read the guidelines for their refund policy. Upon completion of the form, I received this cold response for *************************: "We appreciate you taking the time to complete the form, however taking a look at your account it does not meet the qualifications and we will not be able to ***** the request.Thank you"To date I have not received any response, nor have I been provided a phone call or number to the owner of this company or upper management in efforts to dispute my issue. Credit Suite is fraudulent and has no intention of providing a money back guarantee within 30-days.

  Business response

  10/06/2022

  Hello,

  We are of course not happy that ****** was not satisfied with the service she purchased, unfortunately  though we cannot offer a refund.

  ****** stated that she was told she would get a full refund if she was not happy with her purchase however we have listened to all the sales calls and there was no mention of that.

  ****** also signed our VIP partner agreement where everything is stated about how our program works. 

  I have attached her signed agreement and we can also provide the recorded calls with sales agent if needed. 

  Thank you. 

  Customer response

  10/09/2022

   
  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.
  
  Sincerely,
  
  *****************************

*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. ↩