In order to retrieve my credit report from this agency for $1, I was required to leave my CC information in order to "try" out their Experian Consumer Direct credit report monitoring service for 7 days. This was on July 10th. I sent an email to cancel on July 16th officially cancelling the (useless) service. I received an email in return with a confirmation number stating that I should not be charged because I had cancelled within the 7 day trial period. Mind you, on the FAQ's/Terms and Conditions page of their website, it is stated that the first 48 hours your membership are used for "processing"—and it stated that you have 5 days of actual use, but 9 days to cancel. I did not wait longer than necessary. Of course, I was charged the 17.95 on July 17th, although I had cancelled in time. When I called the Customer Service number (which was difficult to find, as was the email contact—neither were listed conspicuously on Experian's website) and spoke to a representative with a thick accent named Carol. At first, she tried to tell me that the charge was just, because the 16th was the 7th day of the trial, but I countered that by reminding her my cancellation email was sent that day, and Experian's response email verified that service was terminated within the time period. I was put on hold for a couple minutes while she conferred with her supervisor. Upon Carol's return, she informed that the 17.95 would be refunded, but only within 7-10 working days. WHAT THE HELL? She attempted to appease me by saying "sometimes it comes a little early, just keep checking ma'am"... But how is that fair? They literally took my monthly credit card payment-what am I supposed to do now? Why should I have to wait because of their error? Not only that, it was electronically debited-they could easily return it, but are choosing to hold on to money THAT IS NOT RIGHTFULLY THEIRS.
Caveat emptor!
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