2004 Credit Suit

November 10, 2003

Comments

They are still at taking money from innocent people, I was at church when they decided my account needed to be charged $79.95. I am down to the bank in the morning hoping they will reverse these charges.Everyone keep me posted.

Posted by: Nancy at November 14, 2003 07:42 PM

This is the second time they do this to me. Now they are telling me that they can only find record of one charge & refund from a year ago and cannot address the second charge posted last week. Their email server also will no longer allow me to reply or send them additional emails concerning this recent charge. No doubt they have flagged my email address as a "nuisance". Have your bank or credit company deal with them, they may not act so academically challenged then.

Posted by: William at November 17, 2003 11:44 AM

Same thing happened to me. The $79.95 charge appeared on a Sunday afternoon.

Posted by: Rachel at November 17, 2003 01:51 PM

I was just charged 79.95 also from CIC credit monitioring. Nothing I signed up for.

Posted by: joan at December 1, 2003 12:44 PM

They told me that I had signed up for the service previously and so they charged me. After that they said it would take 7 to 10 business days to refund my money. This was not okay with me so I complained more. They said they cancelled it and it would be in my account with in two days. Five days later the money was back in my account only to have them charge me again a month later. I have had it. I have to switch bank accounts now.

Posted by: Leanne at December 2, 2003 11:33 AM

I,too, have been charged by this company and whereas I was inquiring into credit check, they did so WITHOUT my permission. To whom do I complain about getting a refund for a service that I DIDN'T EVEN ORDER? Someone please tell me that their is some sort of action being taken (legally, of course) that will prevent this in the future. I'm going to inform my bank of this in the hopes that they will not allow any future charges.
Respectfully,
R Sekulich
Burbank, CA.

Posted by: Ron Sekulich at December 8, 2003 01:13 AM

iT ALSO HAPPENED TO ME.

Posted by: at December 8, 2003 04:32 PM

Please read http://www.creditsuit.org/blog/archives/000254.html

Posted by: Christine Baker at December 9, 2003 01:27 AM

I am currently working with Capital One's fraud department over the $79.95 charge to my card.

Posted by: D.E. Berger at December 15, 2003 08:40 AM

I hope that'll work better for you than for me. I had two chargebacks with Capital One and after stringing me along for a couple months and making me mail a bunch of stuff, they debited the charges again. It's one of my claims against them.

Posted by: Christine Baker at December 15, 2003 12:20 PM

I too have been had by this company. Both my wife and I signed up for the 'free' service and were swindled out of $79.95 each. Both of us sat on hold for a long time. We both were told the charges would be reversed and they were not.

I am livid mad and would like to see this company sued.

Posted by: Tyler Buckley at December 18, 2003 02:50 PM

I too have been charged by this company and got my money back (at least for now).

A month ago I got a proposal for a free credit-report from experian after Capitol-One rejected my application for a car-loan.

I've ordered this free report. I know for sure that experian never mentioned this CIC company, the 79.95 or credit-monitoring.

The credit-card support told me that I must call CIC and try to solve this issue.

Thanks to this web-page and a couple more (see links below) I was prepared. I called them demanding my money back. They never admited that I didn't authorized them, but asked me if I want to cancel my membership. So I said "yes". They had the nurves to say it may take up to 10 days.

Here are some links to others who suffer from this company:
* http://www.consumeraffairs.com/credit_cards/consumerinfo.html
* http://search.freefind.com/find.html?oq=cic&id=6715406&pageid=r&lang=en&query=cic+credit+monitor&mode=ALL&search=all

Posted by: Michael Yakobi at December 20, 2003 09:05 PM

Thanks for the links! I really will put a page about CIC together, just have had so much going on.

I would like some of their advertising material, so if you still have that offer, please e-mail to christine@bayhouse.com or fax to 571-222-1000.

Posted by: Christine Baker at December 20, 2003 09:36 PM

I have recently been taken advantage of by CIC Credit Monitoring, I would really like some advice on what I should do about getting my money back, and filing an necessary paperwork, please get back to me asap. Thank you

Regards
Augustine Aragon

Posted by: Augustine at December 25, 2003 09:58 PM

I called my credit card company and they did a chargeback on the 79.95 and closed the account, so I at least got out of this one. I found it helps if you tell the credit card company that the BBB has issued a scam warning.

Posted by: Erik at December 28, 2003 08:50 AM

My card has been charged Five times it is a paypal debit card and i dont keep very much money in this account.Good thing they havent got me but not from lack of trying this co.needs to go down

Posted by: Will at December 29, 2003 07:16 AM

Have you contacted them?

And apparently PayPal doesn't CHARGE you for the attempts. Most banks charge an NSF fee just like for bounced checks.

Posted by: Christine at December 29, 2003 11:20 AM

helpconsumerinfo@consumerinfo.com Try this email address. They got me 2 or so they think.

Posted by: johnboy94 at December 29, 2003 03:08 PM

I have tried to cancel this 3 years in a row. My credit card expired this year. Every other etailer I do business with requires me to update my expiration date myself. These people don't - - - they change it for you and then go ahead and charge you!

Posted by: James at December 30, 2003 03:56 PM

I just canceled today and recieved this e-mail .. hope it works.

Dear David

We’re sorry to see you go! We have received your request to cancel your CreditCheck® Monitoring Service membership. We are in the process of fulfilling your request.

If you are canceling within your free, 30-day trial period, your credit card will NOT be charged. If you are canceling within the first six months of your membership, you will receive a prorated credit to your account within seven to ten business days. The credit should appear on your next credit card billing statement.

We hope you enjoyed your CreditCheck benefits, including unlimited free credit reports, and the protection of daily credit monitoring with email alerts. Even though the service may not have been right for you, please remember that we offer an array of instant credit reports, from single credit reports and scores, to our all-inclusive 3 Bureau Online Credit Report.

Thank you for the opportunity to serve your credit needs. We look forward to helping you again in the future. If you have any questions or comments, please email us at helpconsumerinfo@consumerinfo.com. Or, visit us anytime at http://qspace.iplace.com/cobrands/587/login_form.asp!

Thank you,

www.consumerinfo.com Customer Care

Posted by: Dave at December 31, 2003 08:53 AM

Please tell me how to contact this company ASAP

Posted by: kindra starnes at January 1, 2004 06:57 AM

My wife asked for the "Free" credit report too after our card was stolen. She doesn't remember giving them the authorization to charge our card.

Posted by: Robert at January 2, 2004 07:39 PM

this happened to me also, I havent't sign up for an account with them and now my account is overdrawn.

Posted by: Maria at January 3, 2004 05:53 AM

I too was swindled, woke up this morning and here is a $79.95 charge on my account.
I contacted my fraud dept. issuer and we shut it off. This has got to stop everyone. It is unfair and unjust. Everyone needs to know about this.
I will do anything I can!

Posted by: Dave at January 3, 2004 08:25 AM

Oh my god! I am a college student and it's 12:34am and as I'm thinking about my tuition payment, I look on my bank statement on-line to find two charges or 79.95 on my account--unknowingly of course. So now that I have looked up "CIC Credit Monitor SVC," and the numerous complaints, I am scared that I am going to be shit out of 159.90. What is going on here? I better get my Goddamn money refunded in the morning... AHHHHH.

Posted by: Skyra at January 5, 2004 09:35 PM

Add another one to the list. This kind of scam needs to effin' stop. First I had to deal with someone charging things using my Check card number, and when I went to check my credit file I get this. I think we should all pull our money out of banks and financial institutions until they can learn how to treat customers with respect and honesty. Is it really that hard?

Posted by: Travis at January 6, 2004 02:30 AM

Check another- these guys really suck, first they offer sh*t for service and then they charge an arm and a leg for a piece of paper they don't send but would be handy to wipe off the cleveland steamer they just plopped on us.

Posted by: tyler at January 6, 2004 07:03 PM

Due to the number of complaints about ConsumerInfo.com I just started a special section at the CreditCourt forum at http://forum.creditcourt.com/discus/messages/3301/3301.html

I hope this will help, and please do post unresolved disputes there as class action attorneys are looking at ConsumerInfo.com.

Posted by: Christine Baker at January 7, 2004 02:41 AM

I just e-mailed consumerinfo.com to cancel my membership a week after my 'free' report. Hopefully, it will be cancelled and they won't charge that $79 fee or I'll be writing back mad.

Posted by: deltta at January 8, 2004 10:26 AM

I had asked for the "free" credit report over one year ago. I understood that if I didn't opt-out within the first 30 days that I would be charged, however, my understanding of the agreement was that my membership was for one year. I never recieved any renewal notices at any time and I've been charged once again. Because of this charge, I'm not able to pay certain important bills. At least not until my next check comes in. I looked at their website for the opt-out option and couldn't find it. If not out right dishonest it is most cerainly decieving.

Posted by: Mark Owens at January 8, 2004 03:15 PM

I just now signed up for me free credit report, 01/14/04 I am mad at myself for not investigating this company thru this website, tomorrow morning I am notifying my bank to cancel my debit card, which is probably going to cost me. But if I can help anyone please notify me.

Posted by: Willie Mollohan at January 13, 2004 11:59 PM

You don't have to cancel your debit card, just cancel the credit monitoring service! You should have another 28 days to do that if you got the 30 day free trial.

http://forum.creditcourt.com/discus/messages/3301/3301.html

Posted by: Christine at January 14, 2004 12:39 AM

I am OUTRAGED at my acct being charged for something that was supposed to be a free 30 day trial and stating my card will not be charged. Well, of course my card was charged, like everyone else, and caused my account to be overdrawn. I not nly asked for my 79.95 back inmy acct but also for the overdraft charges to be included. I was informed by a rep named "Inelda", who was hispanic that my acct would be credited withing 7-10 days for all charges. That would give her until 1/26/04 @10:30 a.m to have the funds back in my acct or i will be contacting not only the bbb but a lawyer, also. I was also sent this ridiculous email begging me to rethink. ARE THESE PEOPLE CRAZY OR JUST CROOKS-1. my acct was charged without authorization for something that was supposed to be FREE FOR 30 DAYS.
2. You cause my acct to be overdrawn, which is another problem
3. the only was to dispute the charge is to have my card cancelled and be sent another one, another incovenience.
But, you still have the nerve to send me this ridiculous email. Makes you think. Here is a copy of the email sent to me.

Dear Dana

We’re sorry to see you go! We have received your request to cancel your CreditCheck® Monitoring
Service membership. We are in the process of fulfilling your request.

If you are canceling within your free, 30-day trial period, your credit card will NOT be
charged. If you are canceling within the first six months of your membership, you will receive a
prorated credit to your account within seven to ten business days. The credit should appear on
your next credit card billing statement.

We hope you enjoyed your CreditCheck benefits, including unlimited free credit reports, and the
protection of daily credit monitoring with email alerts. Even though the service may not have
been right for you, please remember that we offer an array of instant credit reports, from
single credit reports and scores, to our all-inclusive 3 Bureau Online Credit Report.

Thank you for the opportunity to serve your credit needs. We look forward to helping you again
in the future. If you have any questions or comments, please email us at helpqspace@qspace.com.
Or, visit us anytime at http://qspace.iplace.com/cobrands/41/login_form.asp!

Thank you,

QSpace.Com Customer Care

Posted by: at January 16, 2004 08:39 AM

.

Posted by: DANA at January 16, 2004 09:38 AM

I've been had by them, also. They charged my account without my authorization, and they are completely unwilling to talk about it.

All I could get from them was their mailing address: P.O. Box 60459, Orange, CA 92865. They refused to let me talk to anyone above 1st line supervisor only says it is their company policy not to refund the charges. He wouldn't let me talk to his boss.

Posted by: Don at January 16, 2004 10:23 AM

I also was charged $79.95 for the service.
Although I canceled before the 30 day period.
Below is a series of email that i got from them. I have phoned my Credit card company to have them look into this. Before I wrote the emails , I phoned them and tried to have it cancel by phone. Their response was My membership was not activited. Well, I decided to email anyways to have an email trail.
Is their anything else that I should do?

Here are the email mesages:

We’re sorry to see you go! We have received your request to cancel your
CreditCheck® Monitoring Service membership. We are in the process of fulfilling
your request.

If you are canceling within your free, 30-day trial period, your credit card
will NOT be charged. If you are canceling within the first six months of your
membership, you will receive a prorated credit to your account within seven to
ten business days. The credit should appear on your next credit card billing
statement.

We hope you enjoyed your CreditCheck benefits, including unlimited free credit
reports, and the protection of daily credit monitoring with email alerts. Even
though the service may not have been right for you, please remember that we
offer an array of instant credit reports, from single credit reports and scores,
to our all-inclusive 3 Bureau Online Credit Report.

Thank you for the opportunity to serve your credit needs. We look forward to
helping you again in the future. If you have any questions or comments, please
email us at helpconsumerinfo@consumerinfo.com. Or, visit us anytime at
http://qspace.iplace.com/cobrands/638/login_form.asp!

Thank you,

ConsumerInfo.com Customer Care

Next email:
We're sorry to see you go! We have received your request to cancel your
CreditCheck Monitoring Service membership.

Your membership has been cancelled as of today 12/22/03. You've requested
cancellation during the free trial period and your credit card will not be
charged for the year for the Monitoring Service.

We hope you enjoyed your CreditCheck benefits, including the online alerts
informing you of recent changes on your report. Although the service may not
have been right for you, please remember that we offer an array of instant
credit reports. We look forward to serving any of your future personal credit
needs.

If you have any comments about our Products or Customer Care Department you are
welcome to share them with us, we will appreciate your feedback regarding our
services.

Sincerely,

Next email:
Good day.

Your credit card has not been charged. There may be a temporary authorization on
your credit card account, but that will usually drop-off after 3-5 days. You
may confirm this with your credit card company.

Thank you.

next email: Thank you for writing,

According to our records, your Credit Check Monitoring Service membership was
canceled as of 12/22/2003 .

We hope you enjoyed your Credit Check benefits, including our extensive dispute
information and assistance. Even though the service may not have been right for
you, please remember that we offer an array of instant credit report products.
Our site will allow you to log in to your account in the future in case you wish
to purchase such a product or reestablish your membership.

We look forward to serving any of your future personal credit needs.

Posted by: Marc at January 16, 2004 11:25 AM

As I've been posting, you all need to go to http://forum.creditcourt.com/discus/messages/3301/3301.html for contact info as well as the class action.

Posted by: Christine at January 16, 2004 02:11 PM

Happened to me as well!!! Very annoying....last thing that i want to waste my time on!

Posted by: Patrick Olson at January 17, 2004 03:09 AM

I want to express my concern over the "free credit reports" being offered by the so called "reputable credit bureaus." If you have been denied credit, go on-line to request your free "report" that you are entitled to, why would you want the service, especially at a cost which would be placed on your "credit card", which is probably one of the reasons your credit may have been denied. I walked through the sign up process. Nowhere did they give you the opportunity to opt out of this offer and only receive your report.

Posted by: Observer at January 18, 2004 08:35 PM

There are MANY reasons to sign up for a credit monitoring service, especially when people are disputing data and intend to sue or when getting the lowest interest rates and insurance premiums is important.

However, there are better ways to monitor your credit than to go through ConsumerInfo.com.

They are now being sued in a class action for their poor disclosures and deceptive practices.

Posted by: Christine at January 18, 2004 10:07 PM

Do not attempt to cancel with Consumerinfo.com by email. I sent many emails to them which I never received any responses from. I sent the first one as a direct reply to the signup email which I received even. I never got any response from them. I put off calling them right away because I am quite busy at work during their hours of operation. This lead to me just now being another sucker charged $79.95 due to their deceptive business practices. I hear their damn adds on the radio all the time, which now is just making me even more angry. I will be attempting to contact them by phone now and hopefully get this resolved soon, if not then I will push on my back to handle them with it. Luckily I can tell my bank to look at their BBB record and that seems convincing enough that the charges to my account would be questionable. THanks for doing this site, Christine.

Posted by: Brent at January 23, 2004 09:08 PM

Make sure you record the call.

E-MAIL is the very best way to cancel, along with fax.

Do you really think they'll admit to your phone calls?

Request a chargeback for the charges, there should be no problem since you cancelled in WRITING.

And of course, try to get in on a class action.

http://forum.creditcourt.com/discus/messages/3301/3301.html

Class action attorneys like this stuff, Experian has deep pockets, they know they'll get paid when they settle of get judgments.

Posted by: Christine at January 23, 2004 09:32 PM

I too unfortunately have been had by this company and their "free" credit report. I was turned down for a card and was told to get my free credit report to see why I chekced it out and I was fine, then a month later I received the $79.95 charge one my account for some monitor servce, I called them at 1-877-513-4785 bitched for about 20 mins until I contacted a supervisor whom then finally removed the charge and cancelled my account only after I had threatened with legal action. I discussed it with my bank about the overdraft fees and they were kind enough to remove those.

Posted by: Phil at January 24, 2004 12:51 PM

It also happened to me.
What can I do about this?
Please, advice.

Thanks.

Posted by: Rene Rusche at February 8, 2004 06:13 AM

I have been charged twice for the $79.95, unfortunatly I did not realize it last year what it was for and paid it off without canceling my membership that I was not aware of. I just cancelled by phone and then found this website.

Posted by: Dustin Seager at February 17, 2004 04:06 PM

The same thing happened to me. $79.95! I called and cancelled the membership during the 30-day trial. They charged me anyway and credited it back to my charge card.

Now it's year 2, they charged me again! They said the account is now closed and they will credit me, yea we'll see!

Posted by: Mike at February 19, 2004 03:39 PM

The same thing happened to me. $79.95! I called and cancelled the membership during the 30-day trial. They charged me anyway and credited it back to my charge card.

Now it's year 2, they charged me again! They said the account is now closed and they will credit me, yea we'll see!

Posted by: Mike at February 19, 2004 03:39 PM

You folks are Not alone. I found out this morning that my father's credit card had been charged by these people a Second time.

During the Early part of last year (January 2003) I signed up for a FREE copy of my credit report. I had read the agreement, and saw where the card would be charged if I did not cancel within 30 days. I cancelled the Next day, and the card was still charged. We never got satisfaction from the company about That charge, just a giant run around.

It has now been just over a year, and once again the same charge has showed up on the same credit card.

This time, we are handling things a bit differently. My father has already called the credit card company to dispute the charge, and is personally calling CIC Credit Moniter Svc rather than having me do so. When I attempted to log in, since the card had been charged again for the "ongoing membership" I was informed that no such account existed by the website. Since I use the same Login Name for all online websites that require such, there is NO WAY that it could be listed under a different name.

My personal guess is that this company full of frauds deleted the account when I canceled, but charged the credit card anyway and kept the CC info on file for future charges. That would certainly explain why the card was charged (again) but no account exists in their database.

One thing is certain, if they give us a run around this time, I'm going Straight to my lawyer to file suit against them.

I'm definately fed up - and am Not going to take this either calmly or lying down.

Posted by: Renee Williams-Washer at February 21, 2004 08:23 AM

Supply a statement for attorneys to take the class action nationwide.

http://forum.creditcourt.com/discus/messages/3301/3301.html

Posted by: Christine at February 21, 2004 08:49 AM

I too smell the smoke, only privacy guard got me thanks to my great bank WELLS FARGO, who gave them all my info claiming they were affiliated with them. To top it off I got milked by one thier affiliates "cardholders of america" for $159 without my permission. I remember the call but had declined the service completely. After filing a complaint with BBB several other Trilegiants (3) did over 20 withdrawl transactions to my account. Beware Of Smokin Credit Cards (Watch you bank statements with an Eagle Eye!!!!!!!!!!)Wonder what they do with the interest for your 79.95 x's 1 million people + unaware of their attack ethics. Please count me in on any type of complaint or suit, since I have many issuse with these bastards.

Posted by: Pissed off in So Cal at February 22, 2004 08:26 AM

Whatever Needs to be done to shut down this scam. I was taking by them also, But this old boy will stop at nothing to see that whoever is in charge goes to jail for fraud theft Dupping and all the other charges the government can come up with. I have money and I will recover just fine from the 79.95 they stolen from me. I dont want an apology from Credit monitor service or the nine other names they go by. I want justice and I will not stop until someone understands that. The lawdogs are comming and so are the cameras. If we all do our parts or even if a number of us do, Then thats the true power. I wrote to Dateline NBC and to the government I will write to them everyday until I get results. If you need help here I am :) David

Posted by: David Jamison at March 9, 2004 06:16 AM

I was contacted By Credit Monitor Service today. What Lies they tell. First off I used Lendingtree.com and canceled my Membership 10 Days after I used them. You would think they would let you Know that if you get A free report off there website and even if you cancel with them before 30 days is up you still need to Call Credit monitor Service because it isnt part of them. But I wonder what percent they get. With my case I paid 9.95 for my report. Credit Monitor service tryed to tell I ordered a free report BS I will send out there policy on here and if you can show me where it sez 79.95 after the 30 days is up. Please point it out to me. David

Posted by: David Jamison at March 9, 2004 03:07 PM

Sign up today for a 30-day FREE trial of the CreditCheck® Monitoring Service, and you'll receive an instant, FREE copy of your credit report just for trying the service! As a member, you'll have easy access to your instant credit report anytime, plus the peace of mind that comes from knowing we're monitoring your credit file for you.



Stay on top of your credit rating, which is key to financial security
Check your credit report regularly to catch and dispute possible inaccuracies
Monitor your credit report to detect identity fraud early and stop it before it seriously damages your credit





Your CreditCheck Monitoring Service membership includes:

An instant, FREE Experian credit report when you sign up for a FREE 30-day trial
Unlimited instant, FREE credit reports with your paid membership!
Online Daily Monitoring Alerts to inform you of important changes to your credit file*
Toll-free customer service with our staff of experienced, credit-trained Customer Care Representatives
Access to the exclusive Members-only areas of our web site where you'll find Dispute Tips, Home Sales & Neighborhood reports and more!
Our Satisfaction Guarantee**

So, try the CreditCheck Monitoring Service FREE for 30 days and get credit peace of mind!

To continue your membership in the CreditCheck Monitoring Service after the 30-day trial, do nothing. Your membership will continue uninterrupted, and the low monthly fee of $9.95 will automatically be charged to your credit card after the trial period ends. What a small price indeed for financial peace of mind!

* If you choose mail delivery, you will receive printed monitoring alerts when key changes are posted to your credit file or quarterly "All Clear" notifications by mail.

** If for any reason you are not satisfied, you can cancel anytime to discontinue the service, and the free credit report is yours to keep. However, you will not be eligible for a prorated refund of any portion of your current month's paid Membership fee.

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Posted by: David Jamison at March 9, 2004 03:10 PM

So why don't you make this available to lawyers for a class action?

http://forum.creditcourt.com/discus/messages/3301/3301.html

Posted by: Christine at March 10, 2004 03:09 PM

Hello friends. You might be surprised to learn that it appears "Experian" the mega-buck "credit check" giant, seems to be closely related to CIC and the "79.95" rip offs we have all incurred.

One of the first posts here, was quite helpful in my search with the identification of "ConsumerInfo.com/Experian" which in turn led me to... http://www.creditsuit.org/blog/archives/000310.html

I'd love to see a federal class action lawsuit. We need an attorney worth his salt. Any suggestions?

By the way, may I ak, is there any kind of a federal watch-dog department that governs these "credit agencies?" Or, is it as I belive, they pretty much govern themselves. Seems to me, to be much too much power for a business corporation.

Anyway, thanks for all your information. I hope this helps as well.

Sincerely,
El Stevereno

Posted by: Steve at March 16, 2004 08:08 AM

Steve, the FTC is supposed to regulate CRAs, and you might find my FTC filing interesting. Go to http://www.creditsuit.org/ and check the links in the right column. It's very little legalese, mostly a listing of major FCRA violations the FTC refuses to pursue.

There are also several law firms looking for documentation to start a national class action.

I keep posting:

"Supply a statement for attorneys to take the class action nationwide.

http://forum.creditcourt.com/discus/messages/3301/3301.html"

Unfortunately, most people just want to get their money back and couldn't care less how many others get screwed.

Even the best attorney can't file suit without plaintiffs.

Posted by: Christine at March 19, 2004 01:52 PM

I also have been scammed. I received the 79.95 charge from CIC Credit Monitor SVC .
I am going toi call them and then call my credit card company.

Posted by: Dawn at March 24, 2004 03:38 AM

I had an institution run my credit report and they reported my report was unsatisfactory. In addition I received a letter from experian saying if I contact them I can get a free copy of my credit report online but, when I went online they said it would be a charge to get my report. I don't know about anybody else but I want my credit report sent to me free of charge.

Posted by: Romi Johnson at March 29, 2004 09:10 PM

I signed up for a "free" credit report from Yahoo Finance.com and just got a charged on my CC for $79.95. I am going to try to get a refund...any ideas how I can do that?

Posted by: Patricia at April 5, 2004 09:15 AM

You didn't read the "terms". That's why there's the class actions - hidden fee disclosures.

Posted by: Christine at April 5, 2004 03:13 PM

Why could I not have fould this site before logging on to theirs. It happened to me I was charged 79.95 today on my credit card. Can this company not be stopped. I have not received one single thing from them except an inital credit report and that was 6 weeks ago and I have not heard from them since until today when I noticed the charge on my account.

Posted by: Jennifer Sosebee at April 13, 2004 04:07 PM

I do not have a mortgage Please take this off.

Posted by: Anna Mae Snyder at April 14, 2004 07:12 AM

I too just received my bank statement and found , you guessed it, $79.95 taken from my account by CIC. I will contact the bank in the am and see what I can have done. I have a cancellation number so maybe that will help.

Posted by: Tamara Sudduth at April 14, 2004 09:53 PM

Charged my card 79.95. Problem is I NEVER FINISHED THE SIGN UP PROCESS!!!!

Posted by: Dan Enachioaie at April 16, 2004 08:12 PM

Despite the fact that I cancelled my "membership" 20 minutes after seeing my credit report online, the REAL surprise was the $79.95 charge on my bank card the next month. I've filed a complaint with the BBB (who categorizes ConsumerInfo.com and its 10 pseudonyms as "Unsatisfactory"), but despite barraging ConsumerInfo.com with e-mails, I haven't been able to get ahold of anyone.

Posted by: Amy Brennan at April 19, 2004 03:37 AM

Hey, these people hit me too! Ordered the "free credit on April 9,2004 and when I got my credit card statement, which closed on April 13, 2004, the $79.95 charge was there. In addition to filing a BBB complaint, file a complaint with your attorney general's office. You can Google it for your state.

Posted by: Betty at April 19, 2004 11:16 AM

http://forum.creditcourt.com/discus/messages/3301/3301.html

There are class actions in California and Illinois.

Posted by: Christine at April 19, 2004 12:14 PM

I was zapped by these scammers to the tune of 80 bucks myself. How can I get this charge reversed? Fortunately, both my parents are lawyers and I will raise serious hell if this company does not take care of this PROMPTLY.

Posted by: Steven at April 20, 2004 08:01 PM

they got me too

Posted by: don at April 25, 2004 11:26 PM

I requested a credit report from you on 4-20-04, Please disregard my request. I do not want this charged to my credit card. Thanking you in Advance. Please let me know

Posted by: Darin Bradley at April 28, 2004 08:55 AM

well...they got my too! My charge for 79.95. I agree with the person who wrote ahead of me, I NEVER FINISHED THE APPLICATION! I never got far enough to even give them any credit card info. My thing is that I see how "free" the checks are, and if I have to give a credit card number, I just stop. That's why I am so ticked off about this charge! I have filed my complaint with Discover and hope they can work something out. This is insane, and has got to stop!!!!!

Posted by: Stacy Hall at April 29, 2004 07:34 AM

I don't understand how they could have your credit card # if you didn't give it to them.

Why doesn't anybody want to find out?

Posted by: Christine at April 29, 2004 01:31 PM

Is all this info being compiled for a class action suit? If so, I was also scammed by them for the $79.95 annual fee. I received my free credit report and then cancelled the service. No response from them to my email.

Posted by: Frank at May 1, 2004 03:39 PM

I have been charged for this free service as well and never recieved anything from them. This is awful that companies are feeding off of consumers instead of finding a real product to offer.

Posted by: Heather at May 9, 2004 07:32 PM

It is, and that's what people voted for. Not a majority, just enough to accelerate the elimination of peoples' rights dramatically.

And Frank, there are 2 class actions I know of, one in Illinois and another in California, and several attorneys are looking at class actions in other states, but at least one was very discouraged that the consumers he contacted didn't want to be part of a class.

I am starting a new forum about this and will be posting more info there.

Posted by: Christine at May 10, 2004 01:23 AM

i, too got ripped off. i signed up for the free credit report and they said they would send me an email. i never got the email and now they charged me. i dont know how to cancel it. could someone send me an email as to where to go to cancel this thing.

Posted by: beau at May 10, 2004 08:59 PM

I never requested a credit report and I STILL see a charge from Cic Credit Monitoring on my cc.
The only Credit reporting stuff Ive done in the past two months was use an accredited firm to find credit reports on my new tenants.

Gonna call the CC and dispute the charges.

Posted by: Jawaan at May 17, 2004 06:37 AM

when i called my bank regarding the 79.99 charge they gave me the following #. I called that and cancelled today being told i would be refunded w/i 10 bank days....we'll see. this is the #...800.220.2626. of course the woman tried to convince me to go with other services they offerred but after getting a bit tempermental she agreed to cancel me. good luck all!

Posted by: happe at May 17, 2004 09:54 AM

This also happened to me, but in a larger scale. Upon shopping for my mother's birthday, a merchant told me my debit card was declined. A call to my bank revealed CIC Credit Monitor had posted 19 charges of $79.95 to my account all on the same day. Had I not caught it, they would have totally depleated my account. My bank was able to reverse these charges, but another one sneaked through. I have never heard of CIC Credit Monitor before this and have never employed their services for a credit record. Please, everyone be careful with your account and personal information and watch out for these scammers!

Posted by: D. Andreason at May 20, 2004 01:02 PM

WOW, 19 charges!!!

If anyone actually wants to do something about this, please post at the new Fight Back! forum at http://www.fight-back.us/forum/ and/or join one of the class actions.

And of course remember who you have to thank for this crap:

Don't vote for Bush!

Posted by: Christine at May 20, 2004 10:43 PM

Oh my goodness!!!!! There are others?! I can't believe this they have charged me twice. Once for a supposed three bureau credit report that I never ordered and once for a supposed renewal. When I call about the $39.95 charge they stated that they would shut off any renewal but could not refund my money because I used the services which was looking at my supposed "Free" credit report. Then,....today I receive a charge on my visa for $89.95. Again, I call and this time I am told that the automatic renewal was never shut off and I should be receiving my refund in 7 to 10 business days. I ask the rep for some kind of confirmation and she states that they cannot give confirmation of cancellation. I will just have to take her word for it!!! Are you kidding me! So I ask her if they are listed with the BBB and of course she says no. So I ask for a physical address at which to serve papers of coure they cannot disclose it. So I cancelled my Visa to make sure that this does not happen again. Can you believe this company!? Someone please shut them down!

Posted by: Aly at May 24, 2004 12:42 PM

We have been dealing with CIC Credit Mon SVC for 2 months now. When we were first charged 7.95 on our credit card statement we called ? what it was and demanded it be cancelled. The next month the same charge showed up so we called again and was told when we called to cancel the first time it had already went into the next month bill cycle. We demanded that it be reversed the company refused. Something needs to be done in reference to this Company they need to be shut down or investigated for fraud !!!

Posted by: Morgan at May 29, 2004 07:22 AM

You can also file a complaint at www.ifccfbi.gov/complaint

Posted by: morgan at May 29, 2004 07:56 AM

Same here.. but mine was only $8.95. I just fear they'll keep doing it. Can you stop charges w/ your bank if you use a VISA? If you do that, will that reflect poorly on your credit report for refused charges?

Posted by: mike at May 30, 2004 06:45 PM

You can't just "refuse" charges. Find out what they're billing you for and why first. If you ordered some service, cancel. If you didn't order, request the refund.

Disputes don't impact on your credit, but if you ordered something you won't get the credit.

If you do dispute, you need to WRITE to the address on your statement for BILLING DISPUTES within 60 days from the statement date.

Posted by: Christine at May 31, 2004 12:57 AM

I signed up for their "free" reports about a month ago, and cancelled the service w/in a half-hour. Once I did, I never received notification, and stupid me forgot all about it till yesterday. Having read everything on here, I'm scared to call them and request a cancellation & refund until I have talked to my bank (my VISA is a check-card... another stupid move) about what I can do. My last bank said they could do nothing in situations like this, we'll see what this one says.

Posted by: mike at May 31, 2004 07:50 AM

You do have the right to dispute and they MUST investigate your dispute if you submit it in writing. A few years ago I got about $900 for Ebay fraud credited by my bank after a PayPal auction purchase funded with my VISA check card. Credit cards are still better, but if the Visa/MC symbol is on the card and you used it as a credit card, I believe you have the same rights as for credit card purchases.

Posted by: Christine at May 31, 2004 08:22 PM

I have read alot of everyones comments and this too happened to me. Hopefully I can clear some air and confusion with concerns. I spoke with my credit card company to dispute the charge when I was transferred to someone in the fraud department who was all too familiar with this scenario. Although my CC company was willing to dispute the charge (chargeback), she informed me to contact CIC Credit Montioring and ask for the credit! Shocked, she informed me that I must have voluntarily clicked on an internet pop-up or add banner advertising "Free Credit Report" anytime within the last 6 months or year or so ago. In order to get the free credit report you must sign up for a free 30 day trial and ENTER all of your important information such as (SS#, Personal Information and CREDIT CARD #). IF you do not cancel the membership in 30 days you will be charged their yearly fee of $79.95. Since most people do not read the fine print or "Terms of Service", they do not get to see that they have authorized CIC to charge their credit card the yearly fee if they don't cancel their membership. Now this brought back some memories of me doing this over a year ago! No wonder why i didn't recognize the charge so recently. I asked my credit card company to cancell my credit card and issue me a new one so that I won't ever have to worry about CIC charging my credit card again in the future.

My CC company told me that they deal with CIC at least 3-4 times a day on this same issue and not to worry about giving them your SS# to get your credit back. You have to since you gave it to them as a security measure when you signed up for the service in the first place.

When contacting CIC for credit be sure to get a name of who you spoke to, write the date you spoke to them on a calander, ask for a confirmation number. It can take up to 30 days to see the credit show back up on your statement. If you do not, then contact your bank or credit card institution for further assistance.

Lesson to be learned. Nothing is ever really FREE! Read the fine print, TERMS OF SERVICE/AGREEMENT etc... before ever giving your credit card and personal information over the internet. Companies make money off of our laziness to read the fine print.

Posted by: Celina at June 3, 2004 06:36 AM

Comments are CLOSED because this blog has MOVED!

For UPDATES please visit and post at the NEW site at http://www.creditsuit.org/