Consumer Complaints and Reviews
I only used my card on their site to get my FICA SCORE FOR 1 DOLLAR. TWO DAY LATER I GET AN ALERT OF FRAUD FROM MY BANK. Someone had got my card number and attempted to purchase a gym membership in P.A. I don't know anyone, purchased anything, visited, lived in that state or area. I've almost only lived in California once I moved to Oregon. Now 2 different states have caused me to close my checking account cut up my card. So not only do they not protect your information, they report incorrect items on things like I cancelled a service and the company charged me 4 or more months. When it wasn't suppose to be under 200. It's almost 500. They share your information with companies that pull your credit. Do hard inquiries. I've got debt on my credit I don't know why they are there.
I used a company that charges $1 for a 7 day trial and then will charge you 29.95 unless you cancel. I literally canceled the same day. I paid the $1 so I wouldn't forget and get charged. The supposedly canceled but NOT SO MUCH because I was charged 29.95. I called to have it taken care and was reassured I'd have my refund in 5-7 business days. Time went by without a refund. Called again and said they would expedite the refund. Waited a few days and called again after finding out STILL NO REFUND. Today 10/10 after this has gone on for 4 weeks I called again and spoke with a rep who stated his system showed they refunded. They actually told me to call my bank. Really?!? The number is 1-866-232-7216. I am desperate to find out the company and want my $. Anyone that can help I'd truly appreciate it!
I applied for a loan in June 2016. As I have not checked my credit score in a while, I was curious to see what it would be. Without a question of trust, I used the Experian site. We are not supposed to be concerned that the 3 Credit Bureau have all of our personal information. They are supposed to be vaults for our complete financial data.
Experian advertised in big letter "One Time Report for $39.95!" I used a debit card by one of my banks to sign up for the "one time report." Next thing I know, I am receiving charges for $39.95 every month since. I called Experian who defensively replied that it was no mistake on their part and I "HAD to have signed up for a subscription." I am a senior on social security, so why on earth would I need to view my credit report every month, especially since Experian can see that I hadn't looked at it in years.
So, Experian reversed the charges and assured me that the subscription that I "had to have signed up for" would be closed. Then in August 2016 (one month after!!) I start getting recurring charges for the exact same $39.95 from "Scoresense," another credit report company, but on a completely different bank checking account. Now is it not ironic following that same month that I supposedly closed my account with Experian, I start getting charges from Scoresense. That's not the end of it. I also happen to get a letter from Comenity Bank that they received my application for a Wayfair Credit Card, but cannot proceed until I call them to verify some information. Again, the credit card request happens in August 2016, following the supposed closing my "Experian" account.
Paid $1.00 for my report and my wife. Then 2 days noticed a charge and tried to cancel, they charged $29.95 for each account. They said read the fine print. Then saw a late payment listed under TransUnion, they advise that Experian made a technical error. Experian refuses to remove.
Very disappointed with Experian. I received 3 charges of $21.9540 for an updated credit report which I NEVER intended to sign up for. They offered "Free Credit Reports" for a $1 which is a "gotcha" to do a continuous monthly charge to your bank account for $21.95 (without prior authorization), because "the consumer didn't read the fine print!" I called after realizing I had been debited and they said that they are not able to refund the payment because "you did not cancel the membership soon enough." They reversed the "membership", yet said they couldn't reimburse this charge because "it was VALID!"
I will NEVER do business with Experian again and will share this news with anybody who is considering using their service. Experian should be reported to the Better Business Bureau by every consumer experiencing this unfortunate situation. Their system is very sensitive & deceiving to the customer. Finally, don't bother speaking to a supervisor, they are only there to repeat the same scripted line over & over again!! VERY, VERY DISSATISFIED.
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Saturday, I signed up for Experian's $1 credit-report-and-subscription (cancellable within 7 days), on behalf of my wife. I downloaded the information, which was useful to us, and wanted to close the subscription. It was not at all obvious how to do that from their website, though they had a 'Contact Us' link that I could not use then. Afterwards, I read the reviews on this site, and was pretty worried (though I didn't have a lot of sympathy with the reviewers who claimed ignorance about the $1 actually starting a subscription), but I decided to continue diligently.
I called Experian two days later, on Monday. After a 20 minute wait, I talked with "Brad." He said that he could not help me, because the account was to get credit information on my wife and I was not her, even though I told him I had Power of Attorney on her behalf. He asked if I had any other questions. I asked something like, "Why are you illegally refusing to honor my Power of Attorney?" He politely replied that it was company policy.
I insisted on speaking to his supervisor (Thanks, ConsumerAffairs, for the review that clued me into the efficacy of this approach!). After about a 5 minute wait, I talked with "Morgan." She was MUCH more helpful. She had me give her detailed information about the credit card I used for the $1 charge, and my name, and said my subscription was terminated. And I immediately got an e-mail confirmation of the cancellation (to my wife's e-mail account).
That was a pretty good result for me. I have been on the phone for two hours with other companies before getting results. The only complaint I have is that if I had not known to insist to talk with Brad's supervisor, I would have had to resort to Plan B: reporting my card as stolen (Fortunately, that would have been easy. The card was from USAA, and they have my Power of Attorney on file under her account.). Lessons: 1. Read the fine print (especially when you are giving out your credit card information). 2. Cancel within the 7 days. 3. If you can't get cooperation, talk to a supervisor.
Ordered by Annual Reports - Equifax and Transunion came up and downloaded PDF - EXPERIAN never loaded - and NO WAY TO GET A HUMAN to get the report and now when I re-enter Annual Credit Report it says I already got my "FREE" so wants me to PAY for a copy. Never got a report number or anything.
I wanted a $1.00 report on august 22, 2016. After that I noticed that they charged me two months for $21.95 cents, and when asked for a refund, the girl Casey, ID # ** said they have an agreement we sign that if the seven days notification is not followed to cancel the charges, they cannot refund the amount. I told her that "first of all, we trust you for our credit history, we give our sensitive information to your company, and you are stealing our money". When we did not authorize to take from our account, why ask for $1.00 dollar and then charge us continuously and upon request you do not want to return our money? Even the bank gives back within 90 days, and as of yesterday you have charged me and she gave me only one month back and refused the other month. I mentioned I am going to write to Consumer affairs. Help Me Howard, and all the help I can get.
First just wanna say after reading these reviews I just experienced the same thing. I should of read these reviews first. It is after business hours to contact this company but how do you take 21.95 off my card and it's after business hours. I get an alert on my phone at 9:45 pm and office is close at 6:00 pm that a transaction was made from Experian. So I go on to the site and can't even cancel the membership. It won't let you and won't even let you edit your information even where it says edit. I did the $1.00 thing in the beginning of the month and never authorized for no 21.95 to be taken off my card. I am literally pissed off right now and I will be calling this company first thing in the morning. As I read in these reviews I'm sure I'm not the last one that's going to have this issue. This is fraud in false advertising and fraud to cardholders as well. What a scam for sure.
I am on the Board of Directors of a company that closed in Dec. 2015. My responsibility was helping with the final closing financials and shareholder distributions. The business used Experian's services concerning individual's credit ratings. In May 2016 I noticed Experian debited our bank account in the amount of $312. When I called Experian on the 2nd of June I was told that they would complete a refund for that amount and the funds should be back into the account within 2-5 business days. Today's date is Sept. 28 and the funds have yet to make it into our account. I called my first contact (Adrian **) around June 14 and was given a number for accounts receivable. The number went to voicemail and was told that they will return the call within 24 hrs. When they didn't call back I tried about 15 times on different days after that leaving the same message but my call was never returned.
I finally got a live person (Cepilia **) on August 15 and she had me email her the request with our account #, invoice #, and credit memo #. I was told that the funds could take up to 45 days to be returned. 45 DAYS!! IT'S OUR MONEY!! Now here it is 45 days later and no money. Experian ads say their responsibility is "doing business the right way". If this is the right way to do business then I have been doing it wrong all my life. If I owed someone this long you can bet Experian would be downgrading my credit rating. It looks like I will be calling our attorney in the morning.
We're extremely upset with Experian. We paid almost $40 for an updated credit report & THE SAME DAY, they offered "Free Credit Reports" for a $1 which is a "gotcha" to do a continues monthly charge to your bank account for $21.95 (without prior authorization,) because "the consumer didn't read the fine print!" We called after realizing we had been debited and they told us that they are not able to refund the payment because "we did not cancel the membership soon enough." WHAT MEMBERSHIP??? They reversed the "membership," yet said they couldn't reimburse this charge because "it was "VALID!"
Experian will never get our business again and we'll be sure to share this news with anybody who is considering using their service. Experian should be reported to the Better Business Bureau by every consumer experiencing this unfortunate situation. Their system is very sensitive & deceiving to the customer. Finally, don't bother speaking to a supervisor, they are only there to repeat the same scripted line over & over again!! Grace was the "Supervisor". VERY VERY DISSATISFIED.
I have been with Experian since 2008 with their credit Monitoring service. I had two separate accounts. One for myself and one for my wife. Recently, I noticed several Experian charges on my credit card that I was not familiar with. It seems that Experian raised their monthly fee from $4.99 to $24.99 without any notification. A very deceptive practice. Watch your accounts closely for fee increase. I have cancelled all business with Experian.
I got caught up in the $1 scam too. First they denied that they were charging me, but then they "checked with another department" and discovered that they are. I spoke to supervisor Lyka (# **) who assured me I would get a refund in 3-5 business days. I called twice after that and was told there is a technical malfunction that is delaying the refund. Almost a month later, to avoid getting charged again, I called my bank, placed a stop payment on all Experian charges, and made a claim for the $21.95, which the bank refunded. It is scary to think that this kind of scammy corporation has access to all of our financial information.
Experian is now top of my list of BAD CONSUMER companies. I am a victim of identity theft and was doing what I have been advised to do: freeze my credit and then order a report every 6 months. I have done this twice now with the other companies with no problem but in June I ordered my report from Experian, apparently paying $1 to get it, and inadvertently was "sold" a $21.95/mo subscription to something I never used, asked for, or authorized. I am pretty good about not getting burned in this way, but Experian apparently is either too tricky or as a consumer, I was too trusting. Of all the companies to resort to this online trickery! These credit score companies act almost like quasi-government agencies. They should not be allowed to prey upon already victimized consumers. What a shameful practice. Experian should be embarrassed.
I also agreed to pay the $1 trial fee but immediately cancelled the trial. They did not cancel my account. Instead they charged my account without consent, stole $21.95 and proceeded to tell me they will not refund the money. I have filed a dispute with my bank and it's pending currently. Do not sign up for this. They will charge you either way and will not refund the money without significant effort. I will update my review once I receive the results of the dispute. Experian is a scam. They only wish to steal your money.
I'm very upset with Experian. You can't advertise that you offer "Free Credit Reports" and then charge people $21.95 monthly because they didn't read the fine print. I called after I realized I had been debited and they told me that they are not able to refund my payments because I "did not cancel my membership soon enough." ** joke. Experian will never get my business again and I will be sure to share this news with anybody who is considering using your service. Have a horrible day and I hope you enjoy that money.
Like everyone else here, I fell for the "free report" lie that Experian turns into a monthly fee for providing absolutely no further service of any value whatsoever. Unfortunately I didn't catch it for a couple months, and then when I did I immediate contacted them through their site which resulted in an email exchange where their representative asked for more information and then failed to respond when I sent it to them. Finally after multiple tries the email address started bouncing and I found a phone number to call. After being on hold for quite some time someone finally took my information and closed my account. Unfortunately, they managed to hit my account 4 times with the 21.95 charge before that point.
I've dealt with services that try to pull this kind of scam before, but this one was especially devious in concealing that it was a service at all by misrepresenting it as a "free report" when in fact this is more like trial. Obviously the reason they lied about this upfront is because no one in their right mind would sign up for a "trial" when all they want is a one time report. I never was informed that there was an ongoing service involved and the first time I saw the "price" for this "service" was when the charge had already hit my account more than once. This is extremely shady and definitely borders on being criminal activity.
Don't use this service. They charge you more than what is stated. I was charged $40 the first week and then charged another 21.95 the very next week. They do not make it clear on the website about charges more than a dollar and it is not clear that you are signing up for a service. When you call to get your money refunded it doesn't seem anyone can refund any money.
I signed up for a 1 dollar for a free trial to see my credit report then all of sudden started seeing 40 payments taken out of my account that I was not aware of. Beware of this company. I wish I would of seen the reviews about this place.
Recently saw an ad that you could see your credit score for free from Experian by going to Experian.com/free, so I went and yep they let you in and you can see part of your record. But the score they keep hidden and say if you want to see the score you have to pay $4.95 per month... What!!! They should be slammed by a lawsuit for lying to the public. Without us they wouldn't even have a business. What a sad, pathetic company. Well we do need your score. I went to credit karma and they are truly free, not low life forms trying to lure you into their trap to get money out of you. Shame on you Experian. You are not a good company. I believe in Karma and you'll get your up comings.
I have just endured the worst 2 hours of my life. I have tried every contact info I can find to try to correct an error in your database regarding my birthdate. Macy's Dept Store denied me a credit card because they "cannot verify my birthdate" and they cite you as the reporting agency. Someone obviously made a data entry mistake. I would like to fix that. After multiple phone calls (to both the office in CA and several 800#s) and attempts to use many online features, I cannot get resolution. A nice fellow (David) at the 714 area code tried and was very nice while I was freaking out and yelling at him, but all he could do was transfer me (yet again) to another desk who never answered. The receptionist did this twice. I began to believe that this is how you deal with irate customers. Shame on you.
This is Experian's mistake, not mine, and your employees are either poorly trained or understaffed that customers must listen to that insipid music for 15-20 minutes – at a time. I should not have to attempt my call later, when I'll experience the same frustrating outcome. I fully plan to write a letter to the Better Business Bureau and my local newspaper, Twitter account, and Facebook to let everyone know that the all powerful Experian is worse than any of the politicians we have running for office. How in the world did we allow credit reporting agencies to tie up our lives because of a stupid entry error. Mine is just a dept store credit card, but it's the principle of the consumer being held hostage to a system that cares not whether its information is correct. Bah
I recently registered with Experian and created an account to check my credit report. I wanted to see if my credit had been compromised so I purchased what I thought was $1.00 opportunity to see additional information on my account. Today I was charged $21.95 for "CreditWorks," a service that I did not intend to purchase. As soon as I saw the charge I contacted Experian and complained about the charge and to cancel any future charges. Although they cancelled the subscription they refused to refund the $21.95 because the charge was in their words "valid."
I was given an email address to submit a request to the billing department for a refund which was answered with a quick denial. After my initial purchase of $1.00, I was never sent an email confirming my enrollment in any ongoing credit reporting with a monthly charge of $21.95. Also, I had to do a Google search in order to find a contact number to cancel the subscription as this information is no way illuminated on the Experian website. Experian plasters the word "free" all over its website yet it plays hide the ball when it comes to the specifics of this paid program.
The entire experience felt like a scam and an extreme case of "bait and switch." Although there are other companies offering free credit reports, I choose to use Experian because of the perceived trust that their name carries in the marketplace. Instead of being honest brokers they use their brand to take advantage of people who are using their product to resolve credit issues, not create new ones. Then, when they are confronted about their actions, they then hide behind technicalities in order to profit from as many unsuspecting customers as they can.
I was surprised to find out that I was billed this past month $24 for a service I hadn't heard of. When I looked into the merchant I vaguely recalled their name, and then remembered I had made an account with them for a credit report, supposed to cost just one dollar. I never received a bill from them in my email, physical mail, or any sort of notice. I had no idea they had "upgraded" my account in just 7 days to start charging me for a service I never used. They prey on unsuspecting consumers to trick them into taking their money without their knowledge. Stay away from this company if at all possible.
I have found Experian 'carrot' for a $1 credit report to be very misleading. If you get the standard 3 reports it will cost $39.95. The grayed out small print on the initial order page also helps hide the fact that you will start seeing a $21.95 bill every month for nothing. To make it worse, no email notice is given to indicate the billing is to begin. You'll probably catch this after a couple of months but don't expect Experian to cancel and refund the unwanted billing. They'll give you one month refund for catching the ploy, the rest is on you for being a sucker at taking the $1 deal.
The standard complaint here -- their "free" credit report allegedly requires a $1 "token" payment to process, which they then use to bill you $21.95 predicated on the lie that "You didn't opt out of 'joining' in time." This is the very definition of fraudulent business practices, a scam. Their "report" was borderline worthless, and only calling and demanding a supervisor and then demanding they refund my money got any results. Allegedly. I haven't seen the refund in my accounts yet, but I am watching for it. AVOID EXPERIAN.
Yes, like everyone else I checked my credit for $1 during a home buying process. Then Experian came along and charged me $21.95 after I didn't "cancel" in time. I called less than 48 hours into the "billing period" but there is no prorated option etc. they just take your money. Another business model built on predatory practices and hoping that consumers don't regularly check their bank statements. AMAZING that the major credit agencies are allowed to operate this way. Why would I pay a borderline fraudulent entity to monitor my credit for fraud?
Were it possible, I'd give them negative stars. I'd give them black holes for their treatment. Not only are they dishonest, they have a business model built on tricking people into their service. You're entitled to a free credit check over 6 months, but they charge you $1 to get it. They just never mention that doing so enrolls you in an 8 day free trial of some service that if you don't cancel, will now result in you being charged monthly. The only reason I came to them was their advertising that they don't charge you for that credit check. Not only, but I examined the documentation. There was nowhere that it said anything about a trial that you needed to cancel. It is a dishonest business model that relies on people not immediately noticing the money they're stealing out of their bank accounts monthly.
When you call them to dispute it, their defense is basically that you didn't read the fine print and that they're well within their rights to keep their ill-gotten gains. This is precisely the sort of thing the CFPB was created for and it wouldn't surprise me if this is the sort of country that lobbied congress critters and fought against having to have clearer disclosure on their practices.
I checked my Experian credit for $1. They kept billing me 21 per month and made my account negative. They are tricking and cheating people out of money. One should be able to check their credit without tricks, scams or hidden fees. They are refusing to refund the 4 months of my membership even though I only needed to find my credit score and no longer needed their services. They are preying upon seniors who do not have the additional monthly income to afford this service. I am retired and on a fixed income that allows me to purchase only the necessities and my medication. How can I go about having my money refunded? This is falsely helping people with their credit and instead making it more difficult to get by. I feel cheated.
Like so many others, I did the $1 thing and got screwed. One main point I would like to add is this: when you go to their website even now, the entire screen lights up with brightly colored blue and gold colors and offers all over the place saying to get your score and your report... and then in teeny tiny print hidden in the corner it says that you have to opt out if you don't want the recurring charge? This is a terrible way for a national company to operate. I called customer service - no help.
One point I made is that I never logged back in; never used them again to get my score or check my report. So they know for a fact that I never used them and yet they won't refund. I recently signed up for e-statements from my insurance company which would save them money. Even to do this, I had to reply to an email from them confirming that 'yes' I definitely wanted to do this. And here you have a company that sneaks in a charge and they hide it within your stated desire to get your FICO score. Very deceptive and very distasteful.
Worst thing to happen to anyone. This company is really rip you off and trained people ready to take your answer as soon as you say "cancel my service". They will make you say this till they get $21.95 + tax on your card and when you ask for refund trust me all agents are trained in such a way till you pay them for a mistake which you never made. Stay away from them. God bless them my $23.31.
Barbara FriedbergPersonal Finance Contributing Editor
Barbara Friedberg, MBA, MS is a former investment portfolio manager with decades of financial experience. Friedberg taught Finance and Investments at several universities. Her work has been featured in U.S. News & World Report, Investopedia, Yahoo!Finance and many more publications.
More about Barbara→
Experian is a leading global information services company providing data and analytical tools to clients worldwide. The firm helps businesses manage credit risk, prevent fraud and more. The company assists individuals against identity theft. The company offers an abundance of services for individuals and businesses. They have over 17,000 employees in 80 countries.
- Low cost: Experian charge customers $1 to receive an Experian report and a FICO credit score along with a seven-day trial period. If consumers don’t cancel within the seven day trial period, they will be billed the monthly fee of $21.95 for each month they remain in the program.
- Experian Credit Tracker: This product features an Experian credit report, FICO ® score, credit monitoring with alerts and a dedicated fraud resolution team.
- Experian ProtectMyID: This product offers an Experian credit report, daily ID internet scanning, 3-bureau credit monitoring with alerts and a dedicated fraud resolution support team.
- Experian Credit Report & FICO Score: This offering features an Experian credit report and FICO score.
- 3-Bureau Credit Report & FICO Scores: This product gives the consumer a credit report and FICO score from each of the three credit bureaus.
- Additional services: If a consumer is denied credit, Experian can help him or her obtain a credit report. Experian also assists with online credit report disputes.
- Business services: Experian offers a suite of services to assist both small and large firms with their credit and security concerns.
- Best for Victims of identity theft, those with debt and credit issues along with consumers considering a major financial purchase.
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