Complain about a product or service

CreditReport.com

Theresa of Flushing, NY February 2, 2009

Theresa of Flushing NY (02/02/09)
In November of 2008, I went to creditreport.com for a free credit report. I knew that the company would sign me up for a trial period of their Fraud Alert service, which would monitor my credit. After two weeks and before the end of my trial period, I called the company to cancel the service.

I was told by a company representative that I was a day late and because I already paid for the current month's service, I should keep it for a month and call to cancel again on December 12th, before I was charged for the next month. When a customer calls to cancel service, the company representative is extremely pushy. They immediatlely talk over you using reheasred lines about credit fraud and what a problem it is. The phone call to cancel should have taken a moment of time, instead it took 15 minutes until I was able to hang up. On December 12, I called to cancel again. I encountered the same agressive sales tactics but made my position clear.

I had to repeat my intent to cancel five times. Finally, the operator said my account would be cancelled. In January, I was charged yet again after receiving an auto-generated email about my credit. I called on January 21st to speak to someone about the situation. This time, the representative told me she had no record of my request to cancel and asked me for a confirmation number. I could not provide one as I didn't get one on the call during the previous month. She launched into the same speech I am now very familiar with. After 10 minutes of going back and forth, she agreed to cancel my account and provided a confirmation number. Yesterday I received the auto-generated email from CreditReport.com saying I had no new alerts for the month of January. With this being my guide, I am sure I will be charged again over the next couple of days. I emailed the company and have not yet received a response. The saga continues.

So far, I have been charged twice by this company (12.95) and have made 3 15 minute phone calls. Although the dollar amount is not high, the situation is extremely annoying.

Stacee of Port Orange, FL March 2, 2008

Stacee of Port Orange FL (03/02/08)
I called creditreport.com to cancel on January 29th, after viewing my free credit report. The agent advised me that they will send an e-mail before the 30-day trial expires to remind me. Of course, they never did. So I realized March 2 (two days after the trial ended) and called to cancel. Of course, the foreign CS agent said I will not be charged any longer. I had to literally shout at him to get him to divulge that I HAD already been charged. He finally let me speak to a supervisor, who did nothing more than talk down to me and laugh with other agents in the background. The only thing she offered me was a phone number...that doesn't work on weekends. I have yet to find out it it even works at all.

Unwanted charges on credit card, interest because of unexpected charges, stress dealing with people who refuse the help.

Tara of Hallandale Beach, FL January 22, 2008

Tara of Hallandale Beach FL (01/22/08)
www.creditreport.com told me I could view my credit report and credit score as much as I want within their 30 day free trial program. They said as long as I canceled before the 30 days was up, I would not be charged on my credit card that I had to use to sign up for the program. Well, I canceled before the 30 day trial period was up and they still charged my credit card 29.95. I filed a complaint with my credit card company (Orchard Bank) and still no resolution. I then took it upon myself to contact the company today. I spoke with a Supervisor, Mr. McQueen and explained my problem to him. He told me that they will not be refunding me any money because I requested a credit report during that trial period that wasn't a part of the program I signed up for. I told him that that was ridiculous considering the program said all these benefits were free during the 30 day trial period. I wanted to express how that is very misleading to Customers! And that I was going to file a complaint if they did not do the right thing and reimburse me! He boastfully told me to go ahead and proudly gave me his name.

They charged my credit card without my permission 29.95 for that month and also 1.00 for the four times I went to the website to view my reports. This caused me to have negative reflection on my credit report for my credit card exceeding it's limit and/or showing a high uses when it come to credit card balance. This is the opposite of what their company promises which is to help improve your credit report and credit score! It caused me financial and emotional stress!

Arlena of Bend, OR January 14, 2008

Arlena of Bend OR (01/14/08)
This website is for a free credit report. In small writing off to the side it says you will be automatically enrolled if you don't cancel within 30 days. I have been using this site for years and never been charged or enrolled in anything. They have changed the format to automatically enroll people now. I never received any emails confirming this, reporting anything or saying anything was going on with my credit. THERE SHOULD BE AN OPTION TO SAY NO THANKS RATHER THAN THIS SCAM TO AUTOMATICALLY ENROLL. I can't believe they would be allowed to automatically enroll people in order to get a credit report.

I was charged 11.95 for the service that I did not realize I was getting. They refused to refund my money, and when I called the bank to dispute they can't accept a dispute for this because it is in the disclosure--even though it is small print. This is just another way for someone to take advantage of people for trying to do the right thing by monitoring their credit.

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