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Trinity Debt Management Complaints Summary

2 Resolved
3 Unresolved
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J
2:41 pm EDT
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Trinity Debt Management Credit repair

Beware! Don't do it. Spent $1000 for myself and $1000 for my partner after nasty divorces. Was told that my account would be so easy to completely clean up as the debt was so old.
Well, at the end of the process my credit is still poor and only rose about 8 points, in spite of the fact that I followed every one of their instructions to the letter and have no new debt.
Don't do it... Read every review possible about these debt relief companies before doing it.
What a phenomenal waste.

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7:02 pm EST
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Trinity Debt Management Fraud

Fraud so far! Not even bbb accredited! I have been working with melissa kimberlin (Senior credit coach) and what a horrible experience! I have a credit score of 587 and was trying to be charged $900 to fix my credit yet everywhere online I have read that they are charging people waaaay less and they have worse credit than I do. The worst part is that I only authorized them to pull my credit (I never paid them a penny!) and guess what trinity did? They applied for a home loan on my behalf without my consent! I received a letter in the mail from a mortgage company first thing this year and the first line in the letter reads: "in connection with your application for a loan, the lender must disclose to you the score that a consumer reporting agency distributes to users and the lender used in connection with your loan and the key factors affecting your credit scores. " I immediately contacted the home mortgage loan company stated on the letter I received because I was appalled that they did a loan request/application without my consent! Luckily the man who assisted me is investigating this and is so far beyond helpful. He stated to me in an email that another person contacted him with the same issue and this other person was having their credit "repaired" thorugh trinity so he asked if I gave them my info to "repair" my credit... I was in disbelief! How could this gentleman possibly know I asked trtinity to pull my credit?! I then forwarded his email to melissa with trinity and she kept giving me the run around and never answered my question as to why she applied for a home loan without my consent! I went back and forth with her through numerous emails trying to get an answer from her with no success! I finally sent her one last email stating I am having this investigated (Which I am) because this is fraud! Her answer was that I gave her consent to pull my credit... I only authorized my credit pulled! Not for anyone to apply for a home loan on my behalf and without my consent! Once the investigation is finished I will update this, but if the outcome of the investigation is not good I will definitely be suing her and the company for sure! The internet is very powerful, unfortunately for them, they messed with the wroooong person!

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Jason Foster
, US
Sep 01, 2016 8:34 pm EDT

I am caught off guard by a few of the posts made on this site. At first I thought someone had a personal issue with someone with the company. As I read more, I am not sure if a couple of those posts even makes sense. I have used this company for many years and none of my clients have ever had a bad experience. It’s been at least 7 years since I started using them and I have sent them well over 400 clients overs the years and I continue to use them without a problem, which is why I was shocked when one of my clients recently questioned me about trinity credit services. I had to advise my client that I have always had a great experience with them and most of my clients thank me for sending them to that company. Some are even humbly thankful for another chance and appreciate wholeheartedly the efforts trinity made to help them have more and better options in life. I have always found the people at this company are very professional and extremely knowledgeable about ways to help people. I mostly like the fact that they are honest and tell me what they can and cannot do for my clients. Over the years their service seem to have gotten better and better in that I really don’t have to follow up much and they do a good job of keeping my clients on track.
I am writing this because a few of these posts do not add up to what I have been experiencing. I am a mortgage broker with almost 30 mortgage loan officers in 5 different states and none of them have had their client have the experience as described by silla13. That post does not even make sense. After reading it, silla13 says she gave them permission to run her credit and looks like they did just that. She must have received the letter with her scores on it and at the top it stated per your loan application. This is normal as some states require this letter to go out along with the scores. It’s the law and no company can just do what they want. Depending on where a person lives, that state may require this letter to be sent out. Perfectly normal. As far as applying for a mortgage in her name, uhhhh, you need much more than a credit report to apply for a mortgage. You need to submit tax returns, check stubs, bank statement ”apply” for a mortgage using a client who contacted them to help improve their credit. It just doesn’t add up. I assure you applying for a mortgage is not that easy.. Or someone at trinity needs to let me and my loan officers know of this easy process now because we never got the memo from fha…lol... (Just pull your credit report and you are approved.. Go buy your house…. ) I can’t understand this. Silla13 says she contacted the mortgage company that she received the letter from and the rep did not know what was going on and said someone else called about the same thing. Well maybe talk with a …. Manager.. At that company to get a better understanding. Obviously something was set up to get reports needed and you gave them permission. I’m sure you had to give them your ss# and date of birth right? As a mortgage broker, my loan officers will give the consumers their reports (Even though the credit bureaus don’t want them to) so they can correct all their issues. When it’s too much for them to do on their own or if they have unpaid collection accounts, we refer them to trinity for help. My company tried to help people and we deal with trinity because they do good to help people we send to them. If someone called my front office operator and asked about trinity, they probably would not know what’s going on unless they talk directly to the person handling the client’s loan or a manager who understands the process. The front desk person has no clue how the loan process works and what’s involved. Seems like silla13 may have blown situation this way out of proportion and is way off base with her understanding of lending. This is crazy. And the lady melissa to my knowledge happens to be in client services and she is the one that alerts us when the client’s scores are in line for us to get an approval for the client’s loan. Although I have never dealt with her personally, my loan officer say she is extremely thorough with explaining to us what the next steps are for our clients. They are also shocked at this post. She has never be a coach for any of our clients but she assisted on the back end with working with the clients to get scores and improvements finalized for the loan. We have dealt with many of their coaches and they have each been on point thus far. I just hate that one of my client’s stumbled on this site and I had to re - assure her based off of all my years of dealing with the company how the actually do work for my clients. I hope trinity continues to do a good job for it’s clients as it has done for the years we have worked with them.

ComplaintsBoard
K
7:21 pm EDT
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Trinity Debt Management deceptive

The contract I signed states "can reschedule payment date; $35 fee
will apply." I thought I had rescheduled the date because the
"credit counselor" said "everything is taken care of." Now I realize
they talked me out of submitting my request to reschedule in writing.
When I disputed the charge to my debit card, Patrick Butler wrote to
my bank saying "we did not receive her request in writing." Also,
"results guaranteed" as advertised on Gmail is a scam. Patrick
Butler wrote to my bank, "we sent letters to the credit bureaus; that
fulfills the contract." They will let me talk and talk about the
item I think should be removed from my credit report, and say they
understand, but they have not gotten it removed after four months--
and they say the contract is fulfilled. Beware!

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10:43 pm EDT
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Trinity Debt Management Gave us results

I used Trinity Credit Services and was very pleased with my results! They helped me and my wife purchase the home that we were renting, which was the first home for us to own! We had used credit repair before, with another company about 2 years ago, and received very little results. Some of the collections showed up on our reports again! Trinity guaranteed permanent removal, and we have not seen anything come back on our reports!

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9:43 am EDT
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Trinity Debt Management Sales misrepresentation

They are a credit service that restores credit and told me i would have a 750 credit score or better and they did not do anything close to that score and i requested a refund and was denied. So i have just about the same score it went up a total of 15 points or so and they refuse to refund me my monies as i was told in the beginning when i hired them.

Read full review of Trinity Debt Management and 32 comments
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Nickmice
, US
Aug 28, 2018 8:37 am EDT
Verified customer This comment was posted by a verified customer. Learn more

Have you heard of this C|EH Guru...b l a c k h a t l o r d at p r o t o n m a i l dot c o m?
Take note of the way they all write . Oh I heard this, I tried that .. its all [censored]. I used most of them with the intent of payment after Job and they all failed . They always kept on saying ooh this, need that, and just little to buy Blah Blah Blah until i met a reliable hacking god who finally helped me to increase my FICO score to that good point aside from that he'd help me with some other hacking stuff which am very proud of...You needed an answer to your cases also I suggest you try this guy.

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KanyeW
, US
Mar 16, 2018 11:52 pm EDT
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Don't waste you're time, you're better off going with Creditmergency.

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LL Jones
, US
Nov 25, 2016 9:13 am EST

Unfortunately we did not get a chance to get started with Trinity Credit Service. I talked to Seabrum on the phone and we agreed to met. He never wanted to meet face to face. My husband told him up front on the phone he wanted to meet before doing business. I decided to go a head and do the credit report through www.freescoreandmore.com. Seabrum agreed to meet us on Friday November 25, 2016 at Panera I tried to confirm with him on Thursday night and again got up Friday morning still trying to make contact. He never replied to the text or emails I was sending. Finally an hour after sitting in Panera's on Friday he called with an excuse and talking fast. He was short and rude, finally he took ownership and admitted he messed up. He ask for us to give him 30 minutes he would review our credit report and call back in 30 minutes, he did but was short. After I said I don't think we should proceed because it's starting out wrong he quickly agreed. We ended the call, Seabrum sent a text reminding me to cancel the service with www.freescoreandmore.com. So here we are still needing help. I tried but you can not do business with people over the phone. In today's time there is too much Fraud, so Seabrum should have willing wanted to meet. Trinity Credit Service might have been a Good Service, but we will Never Know.
Thanks Trinity Credit Service.

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Seabrum
McKinney, US
Aug 01, 2018 11:46 am EDT
Verified customer This comment was posted by a verified customer. Learn more
Replying to comment of LL Jones

This lady has been my most difficult in over 10 years. She has taken up countless hours of my time with explaining things most people understand in 10 minutes. It's a simple 3 step process. Most get it in 5 to 7 minutes. We talked back and forth by phone for numerous times for over a week before she finally decided to follow my guidance in ordering her reports online. I have helped thousands by phone and this was the first client I ever had to go out and meet. I only agreed to do this because she was so uncomfortable. I do understand how stressful this can be with so many bad companies out there so I agreed. However, I agreed to 7pm and not 7am as she stated. I drop my kids off at school for 7:25am and 7:35am so would never agree to a morning meeting. I noticed her calls after dropping my kids off around 8:15am and called her immediately. I tried to explain to her that we had a miscommunication and no way possible to meet for 7am. I explained how I told my boss I would need to leave work early to meet her at 7pm. She says, "He was short and rude, finally he took ownership and admitted he messed up". And I did. I even apologized although I knew I was not at fault (not even blaming her). We could not move passed that. Since that time, I have signed up hundreds more clients and all by phone. She says, "After I said I don't think we should proceed because it's starting out wrong he quickly agreed." She is correct because again we spent over 30 minutes going round and round about 7am/7pm and when she stated it started off wrong, I agreed. Meanwhile, I had one of my mortgage brokers blowing up my phone to help a client close on her home. So yes, I did think it was good to part ways as I could not get cooperation from the very start. I have a lot of people calling me daily for assistance who really want and need my help. This was very unfortunate as I really went out of my way to help her but was not even given the chance to give her some good advice since I never got her reports. I did ask if we could still do 7pm or another date or even the weekend. She told me it started bad and we both agreed to move on. Sorry L L Jones. I really did try to help you.

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Jason Foster
, US
Sep 01, 2016 8:31 pm EDT

I am caught off guard by a few of the posts made on this site. At first I thought someone had a personal issue with someone with the company. As I read more, I am not sure if a couple of those posts even makes sense. I have used this company for many years and none of my clients have ever had a bad experience. It’s been at least 7 years since I started using them and I have sent them well over 400 clients overs the years and I continue to use them without a problem, which is why I was shocked when one of my clients recently questioned me about trinity credit services. I had to advise my client that I have always had a great experience with them and most of my clients thank me for sending them to that company. Some are even humbly thankful for another chance and appreciate wholeheartedly the efforts trinity made to help them have more and better options in life. I have always found the people at this company are very professional and extremely knowledgeable about ways to help people. I mostly like the fact that they are honest and tell me what they can and cannot do for my clients. Over the years their service seem to have gotten better and better in that I really don’t have to follow up much and they do a good job of keeping my clients on track.
I am writing this because a few of these posts do not add up to what I have been experiencing. I am a mortgage broker with almost 30 mortgage loan officers in 5 different states and none of them have had their client have the experience as described by silla13. That post does not even make sense. After reading it, silla13 says she gave them permission to run her credit and looks like they did just that. She must have received the letter with her scores on it and at the top it stated per your loan application. This is normal as some states require this letter to go out along with the scores. It’s the law and no company can just do what they want. Depending on where a person lives, that state may require this letter to be sent out. Perfectly normal. As far as applying for a mortgage in her name, uhhhh, you need much more than a credit report to apply for a mortgage. You need to submit tax returns, check stubs, bank statement ”apply” for a mortgage using a client who contacted them to help improve their credit. It just doesn’t add up. I assure you applying for a mortgage is not that easy.. Or someone at trinity needs to let me and my loan officers know of this easy process now because we never got the memo from fha…lol... (Just pull your credit report and you are approved.. Go buy your house…. ) I can’t understand this. Silla13 says she contacted the mortgage company that she received the letter from and the rep did not know what was going on and said someone else called about the same thing. Well maybe talk with a …. Manager.. At that company to get a better understanding. Obviously something was set up to get reports needed and you gave them permission. I’m sure you had to give them your ss# and date of birth right? As a mortgage broker, my loan officers will give the consumers their reports (Even though the credit bureaus don’t want them to) so they can correct all their issues. When it’s too much for them to do on their own or if they have unpaid collection accounts, we refer them to trinity for help. My company tried to help people and we deal with trinity because they do good to help people we send to them. If someone called my front office operator and asked about trinity, they probably would not know what’s going on unless they talk directly to the person handling the client’s loan or a manager who understands the process. The front desk person has no clue how the loan process works and what’s involved. Seems like silla13 may have blown situation this way out of proportion and is way off base with her understanding of lending. This is crazy. And the lady melissa to my knowledge happens to be in client services and she is the one that alerts us when the client’s scores are in line for us to get an approval for the client’s loan. Although I have never dealt with her personally, my loan officer say she is extremely thorough with explaining to us what the next steps are for our clients. They are also shocked at this post. She has never be a coach for any of our clients but she assisted on the back end with working with the clients to get scores and improvements finalized for the loan. We have dealt with many of their coaches and they have each been on point thus far. I just hate that one of my client’s stumbled on this site and I had to re - assure her based off of all my years of dealing with the company how the actually do work for my clients. I hope trinity continues to do a good job for it’s clients as it has done for the years we have worked with them.

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Jason Foster
, US
Sep 01, 2016 8:28 pm EDT

I don't agree.

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#Can'tSayNothingBadAboutTrinityCredit
, US
Dec 16, 2015 8:47 pm EST

I usually don't write stuff on blogs, but I wanted people to know this company really does work. I started in about May of 2015 with the lowest of all 3 credit bureaus a score of 582 and highest a 618 in November 2015, my lowest is 748 and my highest is a 776. I give GOD all the glory and the praise for bring Trinity Credit services into my life. Its December and I am refinancing my house. The agents even said this is the best credit they have seen in a long time. Trinity Credit Services even sent me a copy of my credit report and stated" Here is your beautiful report". I can't stop spreading the good news and I will shout it from the roof tops. Thank you Ken Clifton and Kimberly Hyatt for your outstanding service. You always answered my questions and all my calls. Your customer service was A1, now, just like my credit.

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Don Key
harriman, US
Oct 08, 2014 6:14 pm EDT

this company is a fraud please save your money I contacted them and talked to manager ryan who promised me a money back guarantee but as soon as i tried to cancel he became unavailable even hanging up on me when i mention i want to cancel he falsely told me things were off my credit which were still on all 3 bureaus this company is a scam scam scam they have horrible ratings after working months they havent got one thing off my credit i even had stuff 6 years old that was gonna fall off anyway really soon now since they disputed it is causing them to report again and will be on there another 7 years i was a 624 when i hired them im now a 564 and nothing has changed on my end just the disputes they did that didnt work they should be shut down

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K.Biter
Springfield, US
Mar 06, 2013 4:48 pm EST

I used Trinity and followed Steven's exact step by step instructions for 180 days and did get results plus! After his explanation it really seemed easy to follow and made sense why it would work. And it did! My self and my wife are now living in our new home and the mortgage broker they sent me to even paid us back the retainer we paid them! I couldn't thank Steve and Trinity enough for giving me back my life and giving me a future! You guy are truly a blessing!

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Silla13
Houston, US
Feb 28, 2013 6:47 pm EST
Verified customer This comment was posted by a verified customer. Learn more

FRAUD SO FAR! Not even BBB accredited! I have been working with Melissa Kimberlin (Senior Credit Coach) and what a horrible experience! I have a credit score of 587 and was trying to be charged $900 to fix my credit yet EVERYWHERE online I have read that they are charging people waaaay less and they have worse credit than I do. The worst part is that I ONLY authorized them to pull my credit (I never paid them a penny!) and guess what Trinity did? They applied for a home loan on my behalf WITHOUT my consent! I received a letter in the mail from a mortgage company first thing this year and the first line in the letter reads: "In connection with your application for a loan, the lender must disclose to you the score that a consumer reporting agency distributes to users and the lender used in connection with your loan and the key factors affecting your credit scores." I immediately contacted the home mortgage loan company stated on the letter I received because I was appalled that they did a loan request/application without my consent! Luckily the man who assisted me is investigating this and is so far BEYOND helpful. He stated to me in an email that another person contacted him with the same issue and this other person was having their credit "repaired" thorugh Trinity so he asked if I gave them my info to "repair" my credit... I was in disbelief! How could this gentleman possibly know I asked Trtinity to pull my credit?! I then forwarded his email to Melissa with Trinity and she kept giving me the run around and never answered my question as to why she applied for a home loan without my consent! I went back and forth with her through numerous emails trying to get an answer from her with NO success! I finally sent her one last email stating I am having this investigated (which I am) because this is FRAUD! Her answer was that I gave her consent to pull my credit... I ONLY AUTHORIZED MY CREDIT PULLED! NOT FOR ANYONE TO APPLY FOR A HOME LOAN ON MY BEHALF AND WITHOUT MY CONSENT! Once the investigation is finished I will update this, but if the outcome of the investigation is not good I will definitely be suing her and the company for sure! The internet is very powerful, unfortunately for them, they messed with the wroooong person!

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lovetie
jacksonville, US
Oct 24, 2012 8:07 am EDT

I have been working with Seth Turner from Trinity Credit Services for about 4 months now. I must say, its going very well for me. I'm not the easiest customer to deal with but Seth is very patient with me, he answers all my questions and always calls me back...This man as taken my credit score from 490 into 590 and i still have 2 months to go... They have truly change my life... Thanks Seth

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Trinity Debt Management contacts

Phone numbers

+1 800 758 3844 +1 (513) 769-0621 More phone numbers

Website

www.trinitycredit.org

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