Credit Sesame

"First time ever writing a review on here as I'm very forgiving, but this company is awful. In my situation, I noticed an unusual re-occurring charge in my bank account spanning the past several months with this being the merchant. Rather than dispute it, I contacted my bank thinking this was a service I may have accidentally opted into unknowingly, but they have no ties to Credit Sesame, odd. After this I attempted to call the customer support number with the worst automated robot you will ever deal with. Among the options is the Premium Member support line which I select and every time I do so I hear the response stating "There's no representative available. Please call back another time or leave a message." Are you for real?? Suppose that's the kind of support I receive as a "Premium" member lol. Tried calling every day the past week and same response. Oh, and I tried emailing and provided information to their support team which is useless. They don't even disclose a name of the associate that's handling your case, they pretty much told me they are unable to locate my account despite me providing all applicable information. Have been very patient but am fed up with this company and the correspondence is so unprofessional, honestly don't know how a financial institution of this type has such awful service. Would not trust them to handle confidential information at all and I would never recommend them to anyone, stay far away. Still don't know how they authorized a charge on my card without my consent."

"Don't believe the no ding decline. Your credit will take a hit if declined"

"If you love being continually hounded by scam artists for YEARS after applying or even just looking at personal loan options then this place is the place for you. EVERYDAY... EVERY SINGLE DAY... I get phone calls from at least one ai generated scam phone call from the leads that were sold from Credit Sesame! EVERY DAY! FOR YEARS!!!!!!!!!! I block them but they keep coming through. New ones... Many days 5 or 10 times in a row. It just never ends! I hate you Credit Sesame!"

"Mostly everything I've noticed with this company? Maybe outside help. is it a company for Real? Iam certaintly not sure? Customer service does not appear to be in existence. And if it is? Dont let them fool you. I dont believe this company has trust. And its gotten to the point in later years. Either there suffering or just out to hope someone will appreciate any or very little of what they are doing. The customer service greeting is Nauseous. And gives you the impression that they our home based. Very very unprofessional. Systems or app they have in place to serve you for verification services? such as receiving the E-Mail format or text for logging in to your account towards verification. You may not receive the code Or E-mail to log in. its very shady there practice. And for them to have access to your information is unpleasant Now towards the trust and professionalism in these later years of credit sesame. Depending on whos who and whats what with this company? I do not believe they our operating legitimately And if they Are? This is certaintly unprofessional to the consumer, Especially with the personal information they have concerning your credit, And a complete investigation should be conducted from consumers for personal information shared with them. Whoever is in charge of reviewing or attending to this? Its been conducted by consumers That there rating is 1 star. A Motion should be considered possibly with your states attorneys office for the practice of credit sesame under A possible credit breach. Due to the information we shared with them,"

"On August 8th of 2024 I used credit sesame cash and allowed my Roommate to have his insurance check direct deposited in my sesame cash account. I spent 800 dollars then I got a email saying I wasn’t eligible for the account and my account was then restricted my funds where frozen I was told to verify myself 10 times over send documents from lemonade company where the check came from I did that and still no lift or option to take funds out I was evicted and hospitalized with pneumonia and fell weak and couldn’t upkeep with the money. Here it is nine months later still don’t have my money Sarah from Credit sesame is evil and can’t give me a response as to why she can’t give me my money after supposedly not being eligible for an account. Please don’t ever use sesame cash it’s a nightmare"

"I'm ruined! Credit Sesame is corrupt, and practicing deceptive business dealings. They're allowing others to breach our security and Profile. A man has been using my number, Gmail and account. I can't get in, because somehow my credentials have been hacked and no longer will they except my information. Since covid began, my credit information is totally incorrect. I've lost everything and Only have my truck. Lost my apartment, medical insurance and federal benefits. None of the entities or resources given will even addressed the essential facts nor have I given the option to share my evidence. This man even has text coming to my new number, but how!!! If you were to ask me "Have you tried..." I'd say yes. What happened afterwards? NOTHING. NOTHING. ZILCH! I need help with 10,000 signatures Because I'd like to address the congress. Please, it's my first time and I'm not quitting until I get an answer. Credit cards aren't mine. Accounts I've never applied for and my name sure isn't Paul. I'm a woman, born a girl and still a Female Mrs. She, and her!"

"Worst company and clearly they don't even care"

"I see credit sesame has terrible reviews as well. Thank god I only ever used the free service. No wonder they recommend a joke company like credit one bank. I would never use your website again even if what I’m using is free. You’re a terrible company that deserves to be banned from ever doing business. I will tell everyone I come across to never use your site. I will make sure to make social media post everywhere about your horrible business practices"

"DO NOT USE SESAME CASH!!! Sesame Cash destroyed my credit. I started Sesame Cash with depositing $300 in June. I used the card daily and added $300 at the beginning of each month. In September I received a late payment on my report which dropped my credit score 271 points. I called Sesame Cash and was told there was nothing they could do about it and given another number which was nothing but a recording. I them add more money taking my account to $590 in September and made no purchases until last night. Today I received a notification indicating a late payment for Sesame Cash. It states that I missed a $512 payment even though I did not make one purchase in September or October. I currently have $554 in Sesame Cash. My credit score is in the 400’s and I am trying to move this month. On September 12, 2024 I had a defibrillator put in and will be getting a cath put in on October 9th. I am a candidate for a heart transplant. Now I am about to be homeless in a couple weeks because of the inaccurate information Sesame Cash is reporting to the credit bureau. Sesame Cash is destroying my life for no reason. I’m just ready to die right now."

"Extremely difficult to gain access to my Sesame Cash account after they instituted some account verification process. First, the email they sent looked like a phishing email, so I then used the app to verify. After multiple attempts including telephone calls, it took me 4 months to regain access to my account. Once I got in, I saw that a total of $6411.03 was fraudulently charged to my account over a 5 day period - with the most transactions in one day above the maximum daily limit of $5000 Sesame Cash says it allows - I lost $5555.81 in that one day. Many of these transactions were within seconds of each other! And all over the December holiday period - 12/25-12/29. Fraud department said it is too late to file a claim, and offered no other information. I have now escalated and am waiting to hear back. I am certain the FBI would be interested in getting the destination of where those funds went, since it was clearly so easy for my card info to be used when I only connected it to two other sources, neither of which had a breach."

"They send me emails letting me know my credit score is booming.I apply to cards recommended and get denied because my score isn't BOOMING.They ruin your credit even more because of lies they tell you.ARENT THEY SUPPOSED TO HELP YOU?!"

"I have not heard anything from this company after the stole my money there was not mentioned of fees otherwise I would have not open an account. They may have back track and put this in there agreement. I hoping a class action suit would follow in the meantime I will send a complaint to the CFPB and the BBB."

"I was offered a free debit card with many perks, including cashback. The funds were deposited without any issues. However, a couple of months later, I noticed a $9. 99 monthly fee and a $3 inactivity fee draining the account every month. It seems like a great business model, but I hope to see Class Action Settlements someday to address this issue."

"DO NOT TRUST THIS COMPANY ITS NOT A REAL BANK THEY HIRE ANYBODY OFF THE STREET TO ACT AS AN AGENT AND WITH YOUR REAL MONEY. THEY ARE FRAUDULENT AND THE CSR ARE HORRIBLE AND RUDE AND THEY STRICTLY HAVE GENERIC ANSWERS THAT THEY TELL THE CUSTOMERS. THEY COULD CARE LESS ABOUT YOUR ISSUES AND YOUR MONEY AND PLEASE BE ASSURED THEY ARE ONLY THERE FOR THE LITTLE PAYCHECK. EXPECT A BUNCH OF BULL WITH THIS PLACE. THEY REFUSED TO CLOSE MY ACCOUNT AFTER VERBAL AND WRITTEN NOTICE TO DO SO. ALSO THEY GOT FRAUDNELT MONEY FROM ANOTHER COMPANY BEFORE CLOSING MY ACCOUNT. I HAD A PREPAID CARD MEANING NO MONEY WAS ON THE CARD UNLESS I PUT MONEY ON THE CARD AND THEY LET A FRAUDULENT TRANSCTIONS COME OFF OF MY CARD AND THEN SAID I HAD A NEGATIVE BALANCE. IT TOOKS WEEK FOR THEM TO FINALLY CLOSE MY ACCOUNT AND TRIED TO CHARGE A MONTHLY FEE ON TOP OF THIS. I WILL NEVER OPEN ANOTHER ACCOUNT WITH THEM AGAIN. DONT WAST YOU TIME AND DONT FALL FOR THE SCAM!!"

"Normally banks will monitor fraudulent activities on your account. Not Credit Sesame. I had 400 + stolen from my account through a company called Innovative Retail in India. They stole over 300 in less than 5 minutes. They withdrew 6 times in less than five minutes from my credit Sesame account. Then another company, RZ Swiggy stole what was less twice in 2 minutes. When I tried to reach someone at Credit Sesame, there is no customer service. Finally, I was able to reach a human, and all he did was canceled that card. I called back a week later, and was told I was supposed to fill out a form, that wasn't told to me earlier. Then she said I may hear something back in 45 days. It took 6 minutes to take my money, but I can't get anything or hear anything in 45 days. I would highly recommend everyone to not use this company."

"I’ve been a customer for years but this year, some thing changed. I did not receive my weekly direct deposit and I’ve been calling, emailing and trying to use the chat option for days and I can’t get a live person or even a call back . I have no idea where my mioney is. This is not good. I will be closing my account immediately"

"Sesame Cash ATM system has been down since May 31, 2022 and they keep giving us the run-a-round telling us when it will be fixed. I have absolutely no access to my funds because they say an "IT issue is causing problems with the ATMs". This is preventing me from pulling any money out of my account. As a result, several of my other credit card bills are now late and my relationsip with these other banks is now tarnished. I have also tried doing an ACH bank transfer out of Sesame Cash but it keeps reversing and they say to call my bank that I am sending to. I did, and they have seen nothing from Sesame Cash. Sesame Cash is playing with our money and refusing us to access it!"

"WARNING: Credit Sesame is the WORST credit builder company in existence. In sum, they care more about their PROFITS than actually helping people build their credit. Here's why: So I was in financial ruin (owed too much credit card debt, thousands in medical bills, multiple lawsuits, and eventually becoming bankrupt) so I needed to get back on my feet and fix my financial life. I thought the Credit Sesame Cash card was the perfect card for me in order to get me back up and improve my credit score because it was affordable (free to apply and no annual or monthly fees), it didn't require good credit score in order to get accepted, and, most importantly, help build your credit by providing you with the credit line you need in order to use it (which helps build your credit history), pay it back on time (which helps build your trustworthiness and financial responsibility), slowly increase your credit limit (which increases your credit score), and last but not least grow your credit age by keeping your credit account OPEN. Unfortunately, last week (5/19/23), after growing my credit for almost two years, Credit Sesame sent me this email: As a valued Sesame Cash account holder, we want to give you advance notice of new account fees* effective June 15, 2023 or after. The new fee structure is designed to ensure active users can still enjoy free banking services. Account holders who make a direct deposit of at least $500 or spend more than $1,000 during each monthly billing period continue to benefit from no monthly or inactivity fees. Account holders making a direct deposit under $500 or spending under $1,000 during each monthly billing period are charged a monthly fee of $9.99. Account holders with no money movement in or out of their accounts pay the monthly fee plus $3.00 for every 30 days of inactivity. Thank you for being a loyal supporter of Sesame Cash. We look forward to sharing new features and benefits with you in the near future. By continuing to utilize the services, you agree to the Sesame Cash Terms of Service and Sesame Cash Cardholder Agreement. If you do not wish to accept, you may choose to close your account. Was that a bait and switch move? Bait me with free credit builder accounts and then, a few years later, switch it with the same accounts but with monthly fees and other rules to get your money. And if I don't accept, I should close my account, which holds my whole credit history since its the only credit card I have. Consequently, You know what happens when you close your credit card account? Your credit score goes way down and you need to start your credit history all over again from scratch. This company doesn't care about your credit score and just wants to make extra money. Now it is going to take me two years to get back where left at. You know how hard it is to buy a home? To get a mortgage? To raise your credit to excellent in order to actually afford the mortgage? They could have at least applied the new rule to NEW customers instead of the current ones since we didn't agree to monthly fees (I would have chosen another credit builder if that was the case). Unfortunately, due to Credit Sesame's greed and immoral business tactics, I need to close my account and toss my two-year credit history in the trash with it. That is how Credit Sesame treats their valued customers. Valued indeed."

"Update on May 26, 2023: When I call the phone number 1-877-751-1859, choose option 2 for my account, and choose option 4 for requesting a new Sesame Cash debit card, I was able to reach a Credit Sesame representative to close my Sesame Cash account. This is another scammy practice pulled by Credit Sesame because if I call the same phone number above, choose option 2 for my account, and then choose option 5 for account closure, the virtual phone assistance will literally tell me to go to the support page to submit an account closure form, and if I fill out that account closure form on their website, they would never respond and my Sesame Cash account would never be closed, and I would be charged $14 monthly fee for keeping the Sesame Cash account open. Anyways, for anyone has issues reaching Credit Sesame representatives to close the Sesame Cash account, make sure to call the phone number 1-877-751-1859, choose option 2 for your account, and choose option 4 for requesting a new Sesame Cash debit card to reach a Credit Sesame representative to close your Cash account. If you choose option 5 for account closure, the virtual phone assistance will not let you reach a representative and keeps telling you to fill out an account closure form on their support website, which they will never respond and will keep your Cash account open, and they will force you to pay the $14 monthly fee for keeping the Cash account open. -------------------------------------------- Update on May 24, 2023: I try to close Sesame Cash account (checking account) from Credit Sesame because starting on June 15th, 2023; they will charge me $14 monthly fee for that account, and Credit Sesame makes it impossible to close my Sesame Cash account. I opened a support ticket on Credit Sesame support page. The support person replied back to my ticket and told me to call 1-877-751-1859 to close my Sesame Cash account. However, when I called the phone number, and I chose the option to close my Sesame Cash account; the virtual phone assistant tells me to go back to Credit Sesame support page to open a support ticket to close my Sesame Cash account, which I already did. This seems like an endless loop because opening a support ticket will redirect me to calling 1-877-751-1859, and calling 1-877-751-1859 will redirect me to opening a support ticket. However, I still went back to the Credit Sesame support page again to open another ticket to close my Sesame Cash account; this time, nobody responds back to me. So basically, I will never be able to close my Sesame Cash account because calling 1-877-751-1859 to close the account will not reach any representatives, and opening a support ticket to close the account will not get any responses. It seems like this company, Credit Sesame, purposely tries to avoid closing customers' accounts by not responding to phone calls or my support tickets, so they can start charging monthly fees. This is a scammy practice done by Credit Sesame. I have read many reviews online from various websites that Credit Sesame makes it impossible to close Sesame Cash accounts and it seems to be done on purpose by Credit Sesame, so they can collect money on monthly fees from the Sesame Cash account. Please help me and make Credit Sesame close my Sesame Cash account, so I don't get charged a monthly fee"

"DO NOT open a Sesame banking account. You can NOT see your transaction NOR do they provide you monthly statements. I'm closing my account due to them adding fees, $10/mo? peace out. Trying to get statements before i remove my funds and close my account, is very challenging to say the least."