On May 17 I signed up for a credit report. What CreditReport.com does NOT make clear is that there is a mandatory sign-up for an $11.95 monthly credit monitoring "service". You then have to opt out of this before the 30-day free trial period ends.
It really says something that you have to opt out of a service rather than opt in, no? Talk about a scam.
At any rate, I only realized this once they had charged me for the second month (the first apparently was free).
The day I received the charge, June 17, I called them up expecting that they would simply refund me the money for the service that I was unaware of and had not used.
On the first try they refused and were only willing to cancel the service.
Since the first month was free, I should not have been charged for that month, and should have retained service until July 17 (the month they forced me to pay for). However, they canceled the service and ended it immediately (June 17), thereby effectively charging me the $11.95 for nothing.
When I called back to complain they gave me the run around for a while. When I mentioned that they must get a lot of complaints like this since as there were so many on the internet, the guy spoke over me repeatedly and rudely told me that other credit report agencies got more.
After a long, drawn out argument "Fernando" told me that he was going to refund me the money. I've got the cancellation report and have contacted my bank to notify them that any further charges would be fraudulent.
If you have problems, call their toll free number and ask to speak to "FERNANDO 612" or "FERNANDO 6127" (he changed the number by the end of the phone call). If they tell you it is not possible to refund your money point out that you read online that they did.
This is a horrible, horrible service. PLEASE, DO YOURSELF A FAVOR AND DON'T USE IT!!! They are betting on people not noticing, paying the first month for a service they were unaware of, and not having the fortitude to complain enough or take legal action against them to get their money back.
I looked for class action suits against them, but as of this point there don't appear to be any.
According to both customer service people that I spoke to the agreement was plainly stated when you sign up, but it wasn't so plain as to catch my eye. They are, at the very least, being astonishingly sleazy.
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