Credit Sesame Reviews

This evening I spoke with Jamey, a service rep. When he was unable to refund my money, I asked that my call be escalated in an attempt to recoup my funds. After a lengthy wait, Jamey said that he was informed that in my circumstances my call could not be escalated to a supervisor. I’m assuming because the account was so small. My only option was to close the account and they would waive the $25 service fee. They would not refund my money. They would not send a statement showing all transactions on the account. They never offered to prove that they sent an email regarding the fees.

I’m sure that mine is one of many small accounts that were pilfered by an unscrupulous company. Do yourself a favor and don’t buy into any promotions that they might offer. You may find yourself in the negative. In tough times, they have proven themselves to be uncaring and overall unprofessional. Use their free credit services, or better yet, go to Freecreditreport.com annually and stay up on your information that way. I would never recommend them to anyone at any time in their lives. Put your money under your mattress. It’s safer there.

I am also a little miffed with Discover card as my account was frozen for the last few days, by me, and they allowed this charge to go through. Lots of shadiness going on here. I’ve since reached out to both companies and almost 24 hours later have not received even a response or acknowledgment that voice had been heard. Don’t get me wrong, I’m not trying to throw Discover under the bus as I know how pending items seem to work, but the fact that Credit Sesame could not even give me an auto reply is very troubling. Don’t say I didn’t warn you! I am now fighting with both companies to retrieve my money from this fraud.

Customer Service Agents were horrible and disrespectful and unknowledgeable. NO help was given. I felt stuck doing business with these crooks. Do not do business with this scam company. Finally, after I had to make numerous phone calls to Sesame cash and the other company and putting in the leg work to resolve the issue Sesame Cash finally closed the account. I will never do business with them again nor would I ever recommend them to anyone. Please do business with a real bank.

How are you calling yourself a company with no contact number with a live agent? When you sign up you give your contact information and yet somehow they have not texted or e-mailed me or even called with a warning of new fees being implemented. The claims of credit building is false. They send you credit card matches and then when you apply, you get denied and your credit score drops. When you click on dispute help you can't get any if you aren't PAYING for premium. These are unacceptable business practices. This "company" will cause you unnecessary stress and loss. I want my funds returned and my account closed. Company Statement: "Credit Sesame is 100% free. There are no trial periods, catches, gimmicks or fine print, and we'll never ask for your credit card information or bill you by surprise."

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 it's 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.

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.