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Carol of Crescent City CA (05/13/08)
I started to fill out the form to get a one time credit rating then the form said it would be signing me up for a monthly service at 14.95 a month so I deleted my credit info and closed the page without finishing. Then charges started coming onto my credit card. I got the people to say they would cancel but the letter they sent set it up to not cancel until they had charged me a second month all for a service I DID NOT SIGN UP FOR as i told them and believe thay are totaly aware of!
Torian of San Jose CA (04/22/08)
FREE CREDIT REPORT! in large red letters. Small print: $15 a month, wait till your bank statement comes.
$15 overcharge
Jim of Panama City OTHER (03/30/08)
I attempted to purchase a credit report for about $30. The website did not let me continue the registration process, so I didn't bother and went with a different company. I had already entered my credit card information but didn't think I'd get charged since their website didn't let me finish the process. 2 months later when I noticed I had been charged, I called the company to explain what happened. When I couldn't reach a satisfactory result and asked to speak to a supervisor, Mr. Jefferey Applebaum came on the phone and identified himself as the president of the company.
Suprisingly, his attitude was immediately hostile. He invented a policy saying I had waited too late to call and report the problem with the website. When I asked him to cite where on his website a time limit was mentioned, he became even more hostile, but could not cite it. He said there would be absolutely no refund, and no service! In other words, he took my money, wouldn't return it, and wouldn't even give me the report I paid for! He could cite nothing on his website to support his right to do this. Mr. Applebaum taunted me, saying there was nothing I could do about it, and I would be stupid to try. For a minute I thought it was all a joke, but this guy was for real. When I told him as an active duty military member I would report this, he said tell them I said hi and hung up on me. I filed a report with the Florida BBB, FTC, and send a letter to the FL AG.
I was never refunded my money, nor given the service I paid for.
Jessica of Fayetteville NC (03/10/08)
So I got onto the freecreditreport.com website about a month or two ago and got my free credit report and thought everything was fine. Then today I look at my bank statement and realize they charged me $14.95. I called as soon as I could get the number, I was really mad and I feel bad for taking it out on the CSR that answered because she was really nice and helpful. Anyway, the phone call went something like this; CSR answered, I told her what happened and she asked if I had the 7-day trial or the 30-day trial and I told her I had no idea since I had not been on the website since the day I got my free credit report and I gave her my SSN and she closed my account and said the $14.95 will be put back into my account within 3-5 business days, and that was it. I guess we'll see if the money is put back into my account.
Amy of Winder GA (02/07/08)
I purchased the online credit report, and each month a $12.00 fee came out of my checking account. I called to cancel service, and after service is canceled a consumer is allowed 30 days to continue to review their credit reports online. This is not what happened; as soon as I canceled service my access was totally lost. I called customer service numerous times and finally spoke to someone who told me I went over my 30 days. This is the very same day--about 45 minutes after I canceled my service that I'm being told this lie! So then the rep tells me to re-register for a new account in order to view the information,and then call back to cancel that service once I'm satisfied with viewing my report. I tell her NO--just refund me my $12.00 dollars that was just taking from my checking account on Feb 6, 2008. She said they don't give refunds but advised me her supervisor says I should just re-register.
(The CSR had put me on hold about 10 times by now.) I ask to speak to her supervisor; there's No Way you can speak to her supervisor, Mrs. Bailey; she is taking care of another call. I then said Iwill hold then; she comes back on the line again and says my supervisor will be tied up for a few hours; so I tell the CSR, no actually you are one of those people who work out of your home, and there's no supervisor there. The CSR tells me that I'm partially right but she does not work out of her private home-- but anyway I asked for a number so I could call and speak with a supervisor later in the day, and again the CSR says her supervisor will be tied up for some hours. I ask if that's the only supervisor for the entire company; the CSR states she doesn't know-- so throughout all this nothing is resolved, and I'm very angry. I make another attempt to call (1 877 481 6825) to see if I can get my money back from this is a rip off. Companies like these should be made to refund a customer all their money. I have only used it the very first day that I opened the account. This company has not provided me any service being that they are supposed to have credit alerts. I purchased a car, but did I receive a credit alert e-mail? NO, NO, NO!
Beverly of Sapulpa OK (02/04/08)
Having received my free credit report on line, I find there is an entry that is not mine. I have NEVER had an account with a business that they listed. ALSO, the section where the year of my birth is recorded, has two correct ones and Transunion lists the year incorrectly. I would like a corrected report.
Roger of Bronx NY (02/02/08)
I was taken for $14.95 twice with any authorization. I never gave them an account number for something that I was not made aware of. This other company (Triple Advantage(SM)Credit Monitoring) is in on this scam, too, because I called them to cancel the monthly debit which ends the 28th of this month. They told me NO REFUNDS, and this is the 2nd of the month.
I am on SSD, a fixed income, and it hurts to be taken advantage of.
Tina of Industry PA (01/23/08)
I went to view my FREE credit report.. of course to see your actual FICO score you need to pay for a credit report. Unbeknownst to myself when I agree to pay for a one time credit report, i signed up for a credit monitoring service. They claim it is on their website but no one should be automatically enrolled in a service without have to say yes I want that service which I didnt. Now they are taking unauthorized charges out for credit monitoring which I DID NOT sign up for. Not only for myself but also for my husband who I checked on the same day. Whilst Im not so happy to pay just to see my FICO score when in fact its supposed to be free to me annually, I did not choose to sign up for any kind of trial monitoring service at all. Their business practices are suspect at best
Almost 80 dollars worth of charges have been removed from my bank account. Lets see if my call truly cancels this service.
Jacqueline of Brooklyn NY (01/14/08)
I Googled 'free credit report' and the first option that came up was FreeCreditReportsInstantly.com. I signed up thinking I would see my credit report for free (were charging $1.00 which would be refunded). They asked several security questions (including my credit card numbers). I did get a copy of my credit report. I was shocked the next day to see four $1.00 charges not only from creditdiagnosis.com, but also from other companies associated with them. I was then charged $29.95 for a membership that I did not sign up for. The only thing I signed up for was to receive my credit report for $1.00.
This company has taken $34.00 away from me.
Arlena of Bend OR (01/14/08)
This website is for a free credit report. In small writing off to the side it says you will be automatically enrolled if you don't cancel within 30 days. I have been using this site for years and never been charged or enrolled in anything. They have changed the format to automatically enroll people now. I never received any emails confirming this, reporting anything or saying anything was going on with my credit. THERE SHOULD BE AN OPTION TO SAY NO THANKS RATHER THAN THIS SCAM TO AUTOMATICALLY ENROLL. I can't believe they would be allowed to automatically enroll people in order to get a credit report.
I was charged $11.95 for the service that I did not realize I was getting. They refused to refund my money, and when I called the bank to dispute they can't accept a dispute for this because it is in the disclosure--even though it is small print. This is just another way for someone to take advantage of people for trying to do the right thing by monitoring their credit.
Fib of San Francisco CA (01/02/08)
From Edmund's dot com website, I was forwarded to FREECREDITREPORT.COM. Being very new to the American's credit history checking, I thought that free credit report is allowed by government once in 12 months; and when I was forwarded to freecreditreport.com, I signed up and though I was signing up for this FREE credit report which I see each time I login. When billing comes, my credit card was charged for several months. I only found out today. Been charging me 4 x $12.++ I could have used WAMU free credit reporting, if only I'd known.
Nowhere in their terms do they describe what the free report is. It is very misleading, trapping unaware victims who are doing the transactions in good faith. FREECREDITREPORT.com is very opportunistic in their approach, and the name itself is misleading because it is not free after all. They are tricky to the under-privileged of this credit history culture's terms and words used. They are not living up to their name.
I was paying for something I thought was free.. My credit card is depleting resources. It's a waste.
Connie of Woodbury MN (12/12/07)
This company uses a deceptive method to get people to sign up for their monitoring service. It is an opt out set up so that if you request the free report and you fail to call and opt out before the 30 day free trial ends, you are stuck with the service until you do cancel. I told them they could just as easily set up their website to be an opt in process so a consumer purposefully makes the decision to sign up for the service or not. Their kind of deceptive service depends upon customers like me who missed the information that was buried in the material prior to asking for the free report. I guess in the end, nothing is ever really free, you end up paying one way or another. So much for a company that wants you to believe their purpose is to protect consumers!
I was charged the $12.95 fee and they would not reverse the charges.
Robin of Pearisburg VA (12/03/07)
After I ordered a \free credit report\ from freecreditreport.com, not only did I began getting billed for a repeated service I did not want, I then began getting fraudulant charges of $1.00 per month by YOURSAVINGSCLUB , as well as fraudulant monthly charges from PMIDENTITY.COM and PRIVACYMATTERS123 . I never ordered anything from them, don't know who they are, and when you call the number associated with them on the credit card, the automated voice asks for your credit card number. I believe these three companies are the same company.
I used another credit card on freecreditreports.com and the same three predators began charging that card. On the other card, this company charged $29.95 per month.
YOURSAVINGSCLUB, when you call, talks about canceling your membership. This is a major scam. Never had a membership to anything. Repeated disputes to credit card company, and they were charged back, but they kept charging the cards. I had to cancel both cards. Approx $400 in fraudulent charges. Since I went in to freecreditreport.com, these vendors have been relentless and fighting the charges have been a nightmare.
Robin of Pearisburg VA (12/03/07)
After I ordered a free credit report from freecreditreport.com, not only did I began getting billed for a repeated services I did not want, I then began getting fraudulant charges of $29.95 per month by PRIVACYMATTERS123, as well as fraudulant monthly charges from YOURSAVINGSCLUB and PMIDENTITY.COM. I never ordered anything from them, don't know who they are, and when you call the number associated with them on the credit card, the automated voice asks for your credit card number. I believe these three companies are the same company. I used another credit card on freecreditreports.com and the same three predators began charging that card.
The charges would not stop, even after repeated disputes filed with the credit card company, and the request to block their charges. They continued to charge the cards and two credit cards had to be cancelled, causing damage to our business because we had no credit cards to utilize. They charged over $450 before I had to cancel the cards.
Martin of Hollywood FL (11/05/07)
I went to check out the freecreditreport.com site. There was supposed to be no charge; I am still being charged by Freecreditreport. My bank account is totally screwed up and overdrawn. I am not presently in a position to rectify the penalties still being enforced by my bank; in fact, they are about to close my account, and my family and I are facing eviction due to bounced checks. What a mess and just before Christmas. I do not know what to do.
Laura of Lacey WA (10/26/07)
I went to FreeCreditReport.com to get a free credit report, and was signed up (without my knowledge) for a $12.95 membership.
When I called the company, they agreed to cancel my membership but refused to give a refund for the charge that had been posted to my credit card. These charges went on for about three months. Each call I made, customer service stated they had no record of me calling. I finally got the matter resolved but no credit of the nearly $40 charged, back to my account. Worst company in the world to deal with.
Erin of Portsmouth NH (10/21/07)
I signed up for a free credit report on freecreditreport.com and was asked for my credit card information for verification purposes only. The site assured my credit card will not be charged. The following month I saw 2 charges for $12.95 from this company--one for my report, and one for my husband's. I called the company 5 days after this charge appeared on my credit card, and was told by the customer service rep that the website is misleading, but they have a no refund policy. Individuals sign-up for a service that is not free, then charged, then freecreditreport.com claims a no-refund policy.
Charged $25.90 without knowingly authorizing this charge.
Terrie of Pocatello ID (05/13/07)
I had used the service once, then asked to cancel- I was connected to what sounded like an older gentleman, who used some fear tactics such as telling me that there had been several times my report had been looked at, an account opened in my name, etc. I could not get the account closed,and they continue to debit $12.00 oer month from my checking account as an automatic debit each month, which has been going on over three months dispite my attempt to get CIC's debits per month to cease. I have also searched for a physical address, as did the bank, and found none.
Richard of Fountain Valley CA (04/22/07)
I haven't been able to access their website since December of last year. Their customer support asked me to login on another computer? What kind of support is that? The website doesn't work, period. Their support staff is seriously dim.
Rudy of Oxford CT (03/26/07)
I asked for a copy of my credit report and credit score in anticipation of applying for a loan, because I was aware I had had some credit problems in the fast, and wanted to see what the likelihood was of getting the loan I wanted. According to the report I received, my credit score with all three credit bureaus was close to 700 points. When I actually applied for a loan, I was told that my credit score was actually closer to 600 points. The actual credit reports I saw, and the ones my potential lender saw, were actually the same but there was a 100 point difference in the credit score.
Karin of Sherman Oaks CA (01/02/07)
I was ripped off by FreeCreditReport.com, which tried to debit my account 3 times during a 20-day period (not even a 30-day period).
I tried to cancel when I noticed the fraudulent charges on my checking account statement -- and the company did not respond to my E-mail(s) or telephone calls.
My bank (Washington Mutual) provided me with a contact phone # for FreeCreditReport.com, but it was a bogus # -- and the other company (a credit reporting agency) was angry about this....
Finally, I left a message on a Boca Raton, Florida # -- the direct line to one Jeffrey Applebaum, President of FreeCreditReport.com, RunMyMortgageCredit, CIC, a bunch of hedge funds, etc. I left an angry message, demanding a call back. Applebaum DID call me back -- but threatened me with a civil suit if I asked my bank to credit back the bogus charges (WHICH I DID -- AND THE BANK HELPED ME.) Next, Applebaum harassed me three more times on my phone answering machine (he called me a liar and said I should be in shackles...he was mean-spirited, sexist and abusive (Let's put it this way: I wouldn't invite him to a neighborhood block party!) He insulted me and I said that I was not that smart and I would never be able to get an attorney to represent me (Ha!!I have connections with the best attorneys in town.)
Next, I pursued my own remedies for justice: filed a BBB Complaint, filed an FTC Complaint (and sent a letter to the new AG of Florida, where FreeCreditReport.com is under investigation. I also visited the FBI office in Los Angeles (my jurisdiction and they gave me a Cyber Fraud Claim (IC3) to fill out....And I also contacted my local PD re: the telephone harassment.
Richard of Oceanside CA (12/15/06)
Of course like everyone else I got my free report from the company. Low and behold a mysterious charge appeared on my account. I check my account often so I noticed this right away. Of course it had to be on a Friday after they close so I couldn't call to stop it so I called my bank and put a stop payment on it. The lady told me it was very common from the company. I have to wait till Monday to stop it. We'll see what happens...
Well, I was angry they lied about the charge saying they only use the info. for verification and charge me later.
Haining of Roswell GA (12/08/06)
I, like many people who have posted on this site, went to FreeCreditReport.com to get a free credit report, and was signed up for (without my knowledge) for a $12.95 membership. When I called the company, they agreed to cancel my membership for me, but refused to give a refund for the charge that had been posted to my credit card, saying that it was clearly written on the website that one would be signing up for a membership by doing this.
$12.95 charge to my credit card. Time lost trying to figure out where this charge and come from.
Lisa of Hollywood FL (10/29/06)
I ordered free credit report and saw that I was being charged 12.95 I saw on their site a disclaimer:
When you order your free report here, you will begin your free trial membership in Triple AdvantageSM Credit Monitoring. If you don't cancel your membership within the 30-day trial period, you will be billed $12.95 for each month that you continue your membership.
I called their toll free number 1-877-481-6826 and asked my account to be cancelled and they cancelled it after giving me 3 reasons why I should keep the account.
It charged me money that I didn't know I was going to be charged. When I first signed up there was no notice that I was going to be charged at all. The webpage now is an updated one then the one I originally signed up on.
Melanie of Dunnsville VA (08/16/06)
I was interested in obtaining a credit report and of course the word free caught my eye. I applied twice because the first time, I thought that maybe my info wasn't entered correctly because I never recieved the copy of my report. when I went to check the status of my application, I was kicked out of the website because they said that I attempted to log in with an incorrect password- I only tried twice, they said that they would mail the report about 3 months ago. Today, I still havent gotten the copy and I am being charged $12.50 per month- which I can not afford and shouldn't be charged because I haven't recieved anything. I can not find any contact info for this company.
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Kevin G. of Columbus GA (08/14/06)
I ordered a free credit report for my wife and they asked for my credit card information for verification which said that they would not charge me for. It was just or verification purposed only. I have only received one report since I filled out for the report and they said that they have been monitoring her report. Never asked for the report to be monitored nor have I gave permission for them to deduct $12.00 a month from our account.
Chris of Medina OH (07/15/06)
I signed up for the free credit report. which was not free it was 12.95 per month. I waited, and waited for them to send me my acess code in the us mail. I waited three weeks and I then waid this is not right, I then called to cancel, which took 30 minutes by phone. By that time I recvd. the code in the us mail. I looked my info up online, and it was still activated so I printed out my report. Many things were incorrect on the report. So I emailed the company with all the discrepancies, another two weeks went by and nothing. I then sent another email asking if they had ever recvd the first and they finally responded, saying that to file a incorrect item from the report I had to contact Experian on line. Well I tried that and I can no longer access my account, because I cancelled it. What am I suppose to do now?
Bradley Frantz of Atwood IL (06/15/06)
I did the free credit report thing as many other people I'm sure have. As all the others I was promised the free credit monitoring service. I have been charged 12.95 on my checking account. I have found a number to cancel your membership to this outfit if anyone else is interested it is:
1-877-481-6826
Susan of Deer Park NY (05/18/06)
In early April, I signed up for my free credit report on-line through 'freecreditreport.com'. I received an automatic notice saying I would receive my access code in the mail since I apparently failed the on-line verification process. ??? I never received anything from them and I never received my free credit report. I started receiving numerous e-mails from them alerting me of updates on my credit report, which I still never saw. In May, I saw a charge on my credit card for $12.95 from them. When I called them, they said that after I received my access code (which I never received), I had 30 days to cancel otherwise I would automatically start being charged $12.95 per month for a membership! I told them that I never received the access code, never saw my credit report and I wanted a refund. I was told that they normally don't give a refund but would cancel my membership. After debating my situation with the customer service rep (Ryan ID#61570), he said he would give me a refund and cancel my membership. I believe this is a scam. If this happened to me, I'm sure it's happening to many other people, and I'm also sure many people don't even notice the $12.95 or don't want to bother with the hassle of calling and staying on hold in order to get the refund. $12.95 times thousands of people certainly must add up fast.
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