- Report: #162256
Complaint Review: Experian - Costa Messa California
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Author Confirmed
Why?
Experian
475 Anton Blvd. Costa Messa, 92626 California, U.S.A.
Phone:
714-830-7000
Web:
N/A
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Business Rating:
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Freecreditreport, Qspace, ConsumerinfoExperian ripoff: I thought I was signing into freecreditreport.com for a one time deal and got scammed for $24.95 and have this CIC Credit Monitoring, I did not sign for taking money out of my bank account Costa Messa California *EDitor's Suggestions on how to get your money back into your bank account!
I thought I was signing into freecreditreport.com for a one time deal and got scammed for $24.95 and have this CIC Credit Monitoring, I did not sign for taking money out of my bank account almost every 2-4 transactions I do with my bank card. So far the total is up to $29.90. I can't get a person on the phone to have this action stopped. All roads lead back to Experian and their so called one time free report deal. I think it is time for those of us fed up with the big corporation hiding behind their subsidiaries start charging them with creating a situation of defamation of credit. My so called secure password and username for the one time 3 in one credit report, I can use to access Experian, Qspace or Freecreditreport.
I was suppose to get 1 report free. I was given the choice of 1 credit company report, 3-in-1 credit report with Plus Credit Score or the addition of Plus Credit Score to the 1 free report.
I chose the 3-in-one report, but got the 1 free report instead. I ended up logging back on to the site and discovering the 3-in-1 report offer had to be paid in the amount of $24.95. Which I did authorize. Next, I received an email from CIC Credit Monitoring, requesting authorization to charge me, which I refused. Received a subsequent email stating they had processed my refusal to use their service. Received mail from my Credit Union stating they had to do an overdraft. Start checking my meager account and found four transactions that I had not authorize paid to CIC Credit Monitoring.
It peeves one severely to know a company like Experian is using affiliates to cover the fact they are ripping off the general public by creating situations of credit overload. Fact: I will go to my bank and have them stop any future payments to CIC Credit Monitoring and they will send the report of bad payments to Experian, who will put it on my credit report. Ignoring the fact that I never authorize them to have access to my bank account in the first place.
Kerri v.
Hornbrook, California
U.S.A.
EDitor's Suggestions on how to get your money back!
HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.
According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.
If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.
Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!
DO NOT TAKE NO FOR AN ANSWER!
Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.
And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.
Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.
CHARGES TO YOUR CREDIT CARD
If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.
Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.
And good luck Let us know how you do!
ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com
[email protected]
badbusinessbureau.com
www.ripoffreport.com
Don't let them get away with it.
Make sure they make the Rip-off Report!
We are not lawyers.
We are not a collection agency.
We are Consumer Advocates.
...the victims' advocate
WE are Civil and Human Rights Activists
We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers
CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.
I was suppose to get 1 report free. I was given the choice of 1 credit company report, 3-in-1 credit report with Plus Credit Score or the addition of Plus Credit Score to the 1 free report.
I chose the 3-in-one report, but got the 1 free report instead. I ended up logging back on to the site and discovering the 3-in-1 report offer had to be paid in the amount of $24.95. Which I did authorize. Next, I received an email from CIC Credit Monitoring, requesting authorization to charge me, which I refused. Received a subsequent email stating they had processed my refusal to use their service. Received mail from my Credit Union stating they had to do an overdraft. Start checking my meager account and found four transactions that I had not authorize paid to CIC Credit Monitoring.
It peeves one severely to know a company like Experian is using affiliates to cover the fact they are ripping off the general public by creating situations of credit overload. Fact: I will go to my bank and have them stop any future payments to CIC Credit Monitoring and they will send the report of bad payments to Experian, who will put it on my credit report. Ignoring the fact that I never authorize them to have access to my bank account in the first place.
Kerri v.
Hornbrook, California
U.S.A.
EDitor's Suggestions on how to get your money back!
HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.
According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.
If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.
Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!
DO NOT TAKE NO FOR AN ANSWER!
Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.
And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.
Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.
CHARGES TO YOUR CREDIT CARD
If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.
Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.
And good luck Let us know how you do!
ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com
[email protected]
badbusinessbureau.com
www.ripoffreport.com
Don't let them get away with it.
Make sure they make the Rip-off Report!
We are not lawyers.
We are not a collection agency.
We are Consumer Advocates.
...the victims' advocate
WE are Civil and Human Rights Activists
We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers
CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.
