- Report: #444297
Complaint Review: Credit Report America - Nationwide
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Credit Report America
CreditReportAmerica.com Nationwide, U.S.A.
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Credit Report America Took money out of my checking account without asking. Did not provide a credit score as advertised. Nationwide
I found an ad on Craigslist for a condo for rent. I wrote the poster of the ad and he wrote back under the name of Eric Johnson of Equal Opportunity Rentals and instructed me to print out the attached rental application and obtain a credit report. In his email he gave me a link for a website that offers free credit reports. So I went to the website thinking it was ligament because there were other ads on Craigslist that also led you to that website. The website claimed to offer a 3-day free trial of their services. I entered in all my personal information and credit card information. Even though they charged me 2.95 for the FREE trial I still accepted.
After getting a receipt for the charge of 2.95 that sent me through a bunch of other steps to actually get my credit report. What I finally did see was a list debts, a list of people who checked my credit, and no credit score. I then checked my account the next day to discover that I had been charged a 29.95 membership fee pending on my account. How they can justify doing this is beyond me because they told me it was a free 3-day trail and it had been less than 24 hours. I then found a phone number in the email they had sent me and called it up and spoke to a women who said that my account had not been charged yet it was just pending. Pending is just as good as gone because I can't use it. I told her I wanted to cancel my membership and she said OK and gave me a cancellation number. I asked when the money would returned to my account. She said SOON. I am still waiting. What worries me the most is that I gave them all my personal information and I know nothing about this so called company. Their website offers no company information only a phone number. I only hope I am not another victim of identity theft. The poster of the ad never responded to any of my emails after that. All this because I was looking for an apartment.
Bumburglar
Austin, Texas
U.S.A.
After getting a receipt for the charge of 2.95 that sent me through a bunch of other steps to actually get my credit report. What I finally did see was a list debts, a list of people who checked my credit, and no credit score. I then checked my account the next day to discover that I had been charged a 29.95 membership fee pending on my account. How they can justify doing this is beyond me because they told me it was a free 3-day trail and it had been less than 24 hours. I then found a phone number in the email they had sent me and called it up and spoke to a women who said that my account had not been charged yet it was just pending. Pending is just as good as gone because I can't use it. I told her I wanted to cancel my membership and she said OK and gave me a cancellation number. I asked when the money would returned to my account. She said SOON. I am still waiting. What worries me the most is that I gave them all my personal information and I know nothing about this so called company. Their website offers no company information only a phone number. I only hope I am not another victim of identity theft. The poster of the ad never responded to any of my emails after that. All this because I was looking for an apartment.
Bumburglar
Austin, Texas
U.S.A.
5 Updates & Rebuttals
Lindsylee
Waterloo,Iowa,
U.S.A.
Same thing happened to me
#2Consumer Suggestion
Mon, April 20, 2009
Wow that reads almost like my post...... SAMETHING!!!! yea yea I know should have been more careful but if your like me the area I live in nice places get rented with in hours and I have actaully pulled my credit report before for a landlord so didnt really think much about it........ But I've called 3 times two times they "canceled my order" yea right bet I dont see that money again.........
Lindsylee
Waterloo,Iowa,
U.S.A.
Same thing happened to me
#3Consumer Suggestion
Mon, April 20, 2009
Wow that reads almost like my post...... SAMETHING!!!! yea yea I know should have been more careful but if your like me the area I live in nice places get rented with in hours and I have actaully pulled my credit report before for a landlord so didnt really think much about it........ But I've called 3 times two times they "canceled my order" yea right bet I dont see that money again.........
Lindsylee
Waterloo,Iowa,
U.S.A.
Same thing happened to me
#4Consumer Suggestion
Mon, April 20, 2009
Wow that reads almost like my post...... SAMETHING!!!! yea yea I know should have been more careful but if your like me the area I live in nice places get rented with in hours and I have actaully pulled my credit report before for a landlord so didnt really think much about it........ But I've called 3 times two times they "canceled my order" yea right bet I dont see that money again.........
Robert
Irvine,California,
U.S.A.
Ummm....
#5Consumer Comment
Fri, April 17, 2009
Most likely what happend is that that person on Craigslist was just selling services. This company has an affiliate program so the link you "clicked on" probably gave this person credit for the "sale". However, it was stated right on the page where you enter all of your information. ----------------------- Membership Details: By ordering instructions to obtaining a free credit report, you will be automatically enrolled in a 3-day free trial of Credit Report America's exclusive membership site. Your membership with Credit Report America requires a small $2.95 fully refundable activation fee. Upon activation, you'll immediately be able to take advantage of all the exciting features that Credit Report America offers. If you don't cancel your membership within 3 days of enrollment, you will be billed the very low price of $29.95 for each month that you continue your membership. You may cancel with us at anytime by calling (800)-712-7224 - there is no obligation. CreditReportAmerica.com is not affiliated with the annual free credit report program. Under federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting companies. Go to www.annualcreditreport.com to request your free annual credit report under federal law. You have also unlocked a fourteen-day trial and twenty one-day trial to the Fraud Protection Resource Center and Identity Theft Protection for just $6.95 and $9.95 a month thereafter (shows as "FraudProtection" and "IdentitySecurity") should you choose not to cancel. Prior charges for all programs are non-refundable and a monthly $1 transaction fee applies to each bonus membership but bonus subscriptions can be cancelled and future charges stopped at any time by calling toll-free 1-800-712-7226 and 1-877-205-7023. All offers come with a monthly newsletter. --------------------------- By the way the time to worry about who you are giving your information to is BEFORE you give it and not after the fact.
Laurie
Haslet,Texas,
U.S.A.
YOU DID READ THE OFFER DETAILS CORRECT?
#6Consumer Comment
Fri, April 17, 2009
you know the one on the homepage that indicated that you were signing up for CREDIT MONITORING SERVICE? YOU KNOW THE ONE THAT REFERENCED THE REAL "FREE" CREDIT REPORT WEBSITE? Probably not - so here it is as copied directly from their homepage IF YOU CHOSE NOT TO READ THIS - there was no RIPOFF! Offer Details By ordering your free credit report and free credit score, you will automatically be enrolled in a 7 day free trial of 3 bureau credit monitoring and credit score tracking. You will receive automatic email alerts whenever there is a significant change to any of your credit reports or when there is an important shift in your credit score. For each month that you continue your membership your credit card will be billed $14.95. You may cancel anytime - there is no obligation. Stay protected with our state-of-the-art credit monitoring tools. Remember, monitoring your credit means improving your financial well-being. For your protection we must verify your identity before providing your free credit report and credit score. CreditReport.com is not affiliated with the annual free credit report program. Under federal law you have the right to receive a free credit report from each of the three nationwide consumer credit reporting agencies once every 12 months. To request a credit report under that law, go to www.annualcreditreport.com. Your Credit Score and Credit Report are free and include:Unlimited access to your credit report and credit score for 60 days Automatic email alerts for significant changes to your credit reports or credit score Daily monitoring of your credit reports at all three credit bureaus A detailed analysis showing what is affecting your credit score Report Sample Score Sample In todays uncertain economic times we send you an email alert whenever your credit score changes so you're informed of your credit at all times. What is a credit score? A credit score is a number that represents your calculated... What are good or bad credit scores? In general, a score of 720 or above is considered a very...
