- Report: #27434
Complaint Review: Junum.com - Santa Ana California
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Author Not Confirmed
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Junum.com
PO Box 26530 Santa Ana, 92799-6530 California, U.S.A.
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Junum.com ripoff deceptive company Santa Ana California *UPDATE .. rear covered with the "fine print"
I was trying to clear and correct an error that has blackened my not so good paying habits. Not really understand how this is done, I signed up with Junum for their "Free membership". No monthly charge, just $5.00 per dispute and $15.00 per deleted item.
I used my credit card that is also a debit card. I found that they contact three credit reporting groups, for each dispute (valid or not) have per them submitted letter for each and on a joint account for each spouse. So for each reporting group, 10 disputes, counts as 20 (self and spouse)for each company, utilimately adds up to 60 disputes at $5.00 - $300.00 and they haven't done anything.
Realizing this possiblity I wrote the company, Mr. Garcia replied and suggested $70.00 had already been charged, I could change my membership to the monthly $74.90. I told him that I had requested a stop payment on my card, to give me an address to send the $4.90 and to cancel my membership immediately. On 8/16/02 he replied and told me that my membership was cancelled.
Talking to my bank about my stop payment, it seems that they used a Point of Service (POS) transactions instead of a credit card transaction and I have found that a POS can not be stopped, only by cancelling the card and re-issueing it. I told them Junum had cancelled my membership on 8/16/02, however on 8/17/02 two POS payments of $40.00 were processed. Needless to say I have cancelled my card and have contacted the company for a refund. I wish I had been more cautious about this, but knowing little about mending my credit, I feel I was easily lead.
Tina
Newton, New Jersey
I used my credit card that is also a debit card. I found that they contact three credit reporting groups, for each dispute (valid or not) have per them submitted letter for each and on a joint account for each spouse. So for each reporting group, 10 disputes, counts as 20 (self and spouse)for each company, utilimately adds up to 60 disputes at $5.00 - $300.00 and they haven't done anything.
Realizing this possiblity I wrote the company, Mr. Garcia replied and suggested $70.00 had already been charged, I could change my membership to the monthly $74.90. I told him that I had requested a stop payment on my card, to give me an address to send the $4.90 and to cancel my membership immediately. On 8/16/02 he replied and told me that my membership was cancelled.
Talking to my bank about my stop payment, it seems that they used a Point of Service (POS) transactions instead of a credit card transaction and I have found that a POS can not be stopped, only by cancelling the card and re-issueing it. I told them Junum had cancelled my membership on 8/16/02, however on 8/17/02 two POS payments of $40.00 were processed. Needless to say I have cancelled my card and have contacted the company for a refund. I wish I had been more cautious about this, but knowing little about mending my credit, I feel I was easily lead.
Tina
Newton, New Jersey
2 Updates & Rebuttals
Mary
Port Orchard,Washington,
U.S.A.
taking action
#2Consumer Comment
Sat, February 15, 2003
I signed up for a free credit report and then I get a letter from a collection agency for $274.84 for services that were never rendered I am taking action with the BBB and awaiting a report from the agency who has bought out Junum along with a report from the collection agency.
Junum.com ripoff deceptive company Santa Ana California .. rear covered with the "fine print"
#30
Thu, August 22, 2002
I have received a reply from the company. I have passed the "cooling off" period and all billed items are non refundable. Even though I cancelled my membership on 8/16 and was billed on 8/17. Even after they had suggested changing to the monthly fee instead of per dispute fee. They really have the rear covered with the "fine print". I hope people will read these messages, I sure wish I had. Tell everyone you know, I intend to.
