530 Credit Sesame Reviews From Customers (2024)

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I opened a debit card account in 2021 with a small deposit. I made another deposit a couple of months later and then forgot about the account. I recently revisited the site and found that they had not only taken my money, the account showed a -$25 balance due to service fees. When I opened the account, there was no minimum balance, and no transactional amount Required monthly. I called customer service and they stated that they sent an email in June 2023 with the new terms. I don’t delete my emails. I have hundreds of emails from them. None state that they would start charging a service fee on my account.

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 circ*mstances 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.

Buyer beware of Credit Sesame. I originally trusted this site to monitor my TransUnion score. They then offered me a seven day free trial. Once I gave them my credit card and signed up for the free trial, I logged in and they stated that I could not get my other reports (Equifax and Experian) unless I upgraded to their super premium package for $20. I felt like this was a scam and immediately and canceled. Seven days later, they charged my credit card for $20. They did not respect or listen to my request to cancel, and just charged me.

I had a prepaid Sesame cash card with Credit Sesame in which I THOUGHT I could load the card with funds as needed in order to use. Needless to say I never used the card however, Sesame Cash allowed another Company to make transactions off of the card knowing that is was a prepaid card with NO funds on the card. By them allowing this to happen, Credit Sesame Cash put a negative balance on my account and refused to fix the problem after I had found out about it. They also refused to close my account due to fraudulent activity after I sent them notice in writing to do so.

I signed into my account to add funds and found there were some missing. Upon investigating, I found that Credit Sesame decided to change their policies. I have been calling, trying to chat, and reach a human being to resolve the issue. There is no appropriate customer service, and when you e-mail them they respond with articles for you to read. THIS IS UNACCEPTABLE WHEN YOU ARE DEALING WITH OTHER PEOPLE'S MONEY!!!!

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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 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.

Impossible to close Sesame Cash account, so they can charge you $14 monthly fee for keeping Cash account open.

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.

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1. Equifax mortgage processing don't seems right and I don't want mortgage through them (delete/deactivate if possible).
2. Chase I think it's
3. United One mortgage processing it's a mistake. I don't want a mortgage through them (delete and deactivate my account if possible).

4. Credit Bureau mortgage processing. I don't want mortgage through them (delete and deactivate my account if possible).

Not refreshed. Be careful out there especially these you never know with anyone especially when comes to privacies related (we all need to respect each other privacies and knows from right from wrong and so on) if knows what I'm saying. Very scared and nervous and worried about this especially with people these days.