On July 13, I signed up to obtain a free credit report and had agreed to a free 30 day trial membership.
After filling out all of the information, and getting my log in information set, I tried to log in, and received a message that I needed an access code and it would be mailed to me.
I never received one, and e-mailed ConsumerInfo to advise them of this. I still never received one. I then advised them that if I didn't receive one, and couldn't obtain my credit report, I wanted my membership canceled. I never did receive a response.
Please note, this is from their FAQs:
What is the refund policy if the transaction fails?
FPRIVATE "TYPE=PICT;ALT=" We don't charge your card unless you get your credit report or you complete the request. If we are unable to process your request, we will not charge your card. Please note that when you complete the order process, your credit card may be authorized for a charge, but that does not mean that it has been charged
Today, I checked my checking account balance, and discovered an unauthorized charge from my account of $9.95. After verifying with my bank that this was CIC Credit/ConsumerInfo, I called their customer service. I wasted my whole lunchtime from work dealing with this.
I first spoke to a woman named Mary, who was very nice. She put me on hold a few times, but after looking over my information, she did tell me that my bank account would be credited the $9.95, and my membership canceled. She stated that it would take 7 - 10 business days for my refund to be applied to my checking account. I then asked her why it would take so long, since this can be done electronically, and she could not answer that question. I then asked to speak to her supervisor, and eventually, a man named Jeff came on the phone. His corporate id # or whatever id # is 60459.
I asked him the same question that I asked Mary regarding the length of time for my account to be credited. He started spilling out some nonsense about it being the same as cash and the way he was explaining it was confusing. I told him that whenever I had to get credit from other places to my account, it never took that long, that it was usually applied by the next business day. He tried to make me out like a liar and told me that most places, it is 7 - 10 business days. I told him that this was something that could be done electronically and that there is no reason why this should take so long. He then proceeded to tell me that he can revoke my refund and my checking account would be charged. My husband got on the phone, after seeing how upset I was getting and told Jeff #60459 that this company is a thief for taking money for something that I never received.
Jeff was very rude to me, and just hung up.
This is unexcusable! I did state to ConsumerInfo during my 30 day trial that I wanted this membership canceled, because I did not receive the good that was promised to me.
As a customer, I am very unsatisfied. Services were not rendered as they should have been. During my conversation with Jeff #60459, he was going to give my my access code right then and there, and I told him to forget it, because this company had 30 days to give me my access code and never did! But they had no problem taking my money, now, did they?
I have contacted my bank, and have started a dispute proceeding into their unethical practices. As of right now, I am not sure if my account will be credited or not. I have also done research into their company (wish I had seen this site before this ordeal) and have seen horror stories about people being charged $79.95 for a service that they did not purchase, or regularly having charges taken out of their banking or charge accounts monthly.
Credit my checking account and cancel this membership!
Kathleen (a very unsatisfied customer)
Vienna, West Virginia
U.S.A.
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