Complain About Credit Repair - learn how to file a complaint

Trying to get a straight answer can feel impossible. Here’s who to contact and why.

Immediate to 30 minutes, but honestly, it often feels like you're shouting into the void.

• Call Early: Try calling right when their phone lines open (around 7 AM Mountain Time) to avoid the longest queues.
• Use Keywords: When using chat, use direct keywords like "cancel service" or "billing error" to bypass the bot and get to a human faster.
• Have Your Info Ready: Don't give them an excuse to put you on hold. Have your member ID, the date of the charge, and any other relevant details ready to go.

If you've tried contacting them and have gotten nowhere, it's time to escalate. Don't just give up.

Better Business Bureau (BBB)

Filing a complaint with the BBB creates public pressure. Companies often respond to these to protect their rating. The BBB acts as a mediator, but they can't force a resolution. It works, but prepare to wait. Credit Repair companies usually respond after a reminder or two from the BBB.

Consumer Financial Protection Bureau (CFPB)

This is the big one. The CFPB is a U.S. government agency that handles complaints against financial services companies, including credit repair organizations. They are required by law to investigate and the company must respond. This is your most powerful tool. You generally need to show you tried to resolve it with the company first, so keep records of your calls or emails.

Subject: Formal Complaint Regarding Unresolved Issues – Account [[Your Member ID]]

To Whom It May Concern,

I am writing again to resolve an issue with my account, [[Your Member ID]]. Despite contacting your support team on [[Date of first contact]], my problem remains unsolved and, frankly, my patience is wearing thin.

On [[Date of incident]], [[Describe the specific problem, e.g., I was charged $XX.XX despite canceling my service, or I have seen no changes to the incorrect items on my credit report that were promised to be addressed]]. Having to spend my time chasing this down is exactly the kind of stress I hired your service to avoid.

To resolve this, I require you to [[State your desired outcome clearly, e.g., issue a full refund of $XX.XX for the last billing cycle, or provide a detailed report of actions taken on my behalf as per our agreement]].

Please be aware that if this is not resolved within 5 business days, my next step will be to file a formal complaint with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau.

Thank you for your prompt attention to this matter.

[[Your Name]]

• Ask for a Supervisor Immediately: If the first-level support agent is giving you the runaround, politely but firmly say, "I'd like to speak with a supervisor or manager, please." Don't get stuck in their script.
• Request a Reference Number: At the end of every call or chat, ask for a ticket or reference number. This creates a record and proves you made contact if you need to escalate.
• Mention the CROA: Casually mentioning the Credit Repair Organizations Act (CROA) in your complaint shows you know your rights. One user on a forum said their issue was ignored until they emailed asking if a specific practice was compliant with the CROA. They got a call from a manager the next day.

Tired of the hold music? Sick of writing emails that go into a black hole? Sound familiar? It's draining to fight with a company you're already paying. That's where Pine AI comes in. We handle the annoying parts for you. No more repeating your story to five different agents. No more waiting on hold just to be disconnected. We manage the persistent follow-ups and document everything, so you can get on with your life while we work to get the resolution you deserve. No joke.