A few months ago I wanted to check my "free" credit report and since by law you are entitled to one a year I figured I would go through freecreditreport.com. I entered the initial info and they asked for a CC# to verify age/etc. I had everything entered and then I saw the Triple Advantage free trial so I check my report and immediately called the customer service number to cancel everything... I was using a prepaid card and I didn't have the amount they were asking. They said "no problem" and canceled it right away. I recently checked my pre-paid balance and saw several charge attempts: 5/24/09 $14.95 5/30/09 $29.90 6/6/09 $29.95
6/15/09 $29.90 6/19/09 $29.90 and was told the first and last charge was on 6/23/09 $29.90 (note I called on the 22nd and there is a charge for the 23rd in place. I kept asking why there was a charge for a "Free" credit report because by law you are entitled to one, she stated: we are not a part of the government and it was too bad I misunderstood. How do you misunderstand "FREE"? Experian is part of the reporting agencies that is required. Now because it was a pre-paid I wasn't actually charged any NSF fees but everything is locked up and I am afraid to add any money on it... When I talked with customer service I was told that I signed up, when I explained that I canceled before I even had the window closed she said that wasn't possible and see kept sounding like a broken record no matter what I told her so I asked for a supervisor. She asked why and I said that I just wanted to speak with a supervisor, and back and forth — she refused to get a supervisor until I gave a detailed reason why. I have since checked around and found out that the Federal Trade Commission has been all over companies that continue to misrepresent themselves like this for several years now. (http://www.ftc. Gov/opa/08/consumerinfo. Shtm)
Luckily I am not out any money but I will have to cancel my pre-paid and get a different one. The point is that this company is repeatedly ripping people off and misrepresenting themselves and costing people more than if the just stayed with the bad credit!
Gizmo357
Dahlonega, Georgia
U.S.A.
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