Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:01/12/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I saw two transaction on my statement so I inquired.Thats when I found out
  ****** .had withdrawn the two 39.96
  Amounts.when I was talking to the rep
  About why they told me I had a membership,which I told them I knew of no such membership.so as we proceeded to cancel it is when I asked if I the money will go back on my card.They said why do I want a refund I was like because I didn't even know of the company an said membership .after that they explained it was started back in August of 2022 I was shocked I said you can clearly see that no activity 0n the account they agreed an said they sent an email to ask why I hadn't logged on or used any services.I didn't know of the membership cause I didn't start it.
  I also looked an no such email was sent.
  After requesting a refund the rep then went into identity theft online were people get an start membership ect
  I don't know how this membership happened but in lu of their attempting to resale me a membership I think this happened so they can uninformed people an withdraw money
  Through a survey site which asked for credit checks.they also said no guarantee to receive refund .which is an out rage,please I'm a single mom I can't afford to be tooken advantage of a big co which has the means to create a more accurate plan for people to be informed especially if there is no activity
  But they still withdraw funds I requested the 80 dallars for the two this month
  I feel I should receive the whole refund of 480.i never even logged in or had any activity.please help me bring this up to them

  Business Response

  Date: 01/24/2023

  Ms. ******* signed up for services on August 7. Signup is a 4-page process that requires her date of birth, social security number, full credit card and billing information as well as completing an identity verification with the credit bureau. Ms. ******* signed up from an IP address located in *** *****, the same city that appears on this BBB complaint. She could have cancelled at any time, however, the first notice we received that she wished to discontinue services was on January 10 when she contacted customer service and requested cancellation. Ms. *******'s account was immediately cancelled. While Ms. ******* was not eligible for a refund, a refund has been issued for the 4 payments she made. To be clear, 100% of the money charged by us has been refunded. . Ms. ******* is now asking for a refund over and above that. Due to the fact Ms. ******* did not cancelling and she did was refunded, we request this complaint be closed.

• Initial Complaint

  Date:12/09/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Dec 1, 2022 I applied for a loan online. I was directed to a third party vendor called ********** for a seven day trial. The site was to retrieve my credit score which I already have, but the loan site used this vendor only. I signed up for the credit report retrieval and after the application I went back to the site to cancel subscription I spoke to a live chat. They cancelled my subscription as asked, however I noticed a charge afterwards for the amount of 39.90. I called this time and explained my situation. They then said for me to call back due to computer issues. I did but no one answered. I called back next day and spoke to someone and they found that there was invalid information due to my account and after it was said and explained I was still charged 39.90 for a seven day free trial that was cancelled on day one.

  Business Response

  Date: 12/20/2022

  Firstly, we are not now, nor have we ever been a loan company. Mr. ****** was billed $39.90 for services on December 2nd. He contacted customer service on December 2 via chat requesting to cancel and to be refunded. He was canceled immediately on December 2nd. His refund was processed on December 8th. Customer service attempted to call him to confirm a refund and left a voice message for him. This complaint was received on December 9th. Since the cancelation and refund took place prior to our receipt of the complaint we request this complaint be closed

  
  

• Initial Complaint

  Date:12/06/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was exploring personal loans available to me via online, after a prompt led me to info that I could attain a small personal loan. this appealed to me at the time as both covid and loss of housing left me needing help to get through. part of applying for the loan was the need for my credit report. as this need for my credit report was made, I received a prompt from this company in my complaint that they could provide the report if I opened an account with them. a trial offer costing $1.00 which was charged to my **** was initiated 8/1/22. I spoke via phone to someone at this company to cancel my subscription prior to the end of the trial period. this was made clear to me when I signed up for the trial that I needed to cancel prior to end of trial. I was told my subscription was canceled, although I had listened to all the reasons/perks I would continue to receive if I remained a customer. at the end of the call, I was assured that yes, my account was closed. the phone call start to finish took 18 minutes. I was then charged on 8/4/22 for $38.99 (subscription price minus the $1.00 I had paid for trial). I called again. this call was a carbon copy of the first, although I explained it was my second call and the assurance from the first call to cancel my subscription had not been fulfilled. I was again assured my account would be cancelled, although I was responsible to call my debit card as a way to try to recoup my payment. this company told me there was no record of my previous call. on 8/26, this company again withdrew a monthly subscription rate, $39.90. I called a third time and was again assured, my account was closed, but there was no way to determine why a payment was initiated as I had no account, as far a they could see. no payment was taken from my account until 12/2/22. A phone call to them, again, told me I have no account with them. they have taken
  $118.70 of my money after cancelling prior to trial period ending. I can't stop this on my own.

  Business Response

  Date: 12/19/2022

  We appreciate Ms. ****** honesty that in fact that she did sign up and the fact that the site made it clear that she would continue her subscription unless she canceled before the trial ended. There is no evidence of any call or attempt to call during the trial period. In fact, there are no calls or attempts to call at all at any time. This complaint was the first notice we received of her desire to cancel. Her account was canceled immediately. As for the billing: The amount we bill is $39.90. There is never a time we would have charged $38.99. She was successfully billed two times after the $1.00 trial. Both are for $39.90. A courtesy refund has been issued for both charges. We request this complaint be closed.

• Initial Complaint

  Date:12/02/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was charged 39.99 for a credit score that was advertised for a dollar. They took 39.99 and continue to try and get more money from me. I never authorized the 39.99 at all and now they are continuing to try and overdraft my bank account. They have no business at all taking my money.

  Business Response

  Date: 12/13/2022

  Mr. ****** signed up for a $1 trial of services on September 28. Signup requires a 4-page signup process which states, clearly and conspicuously, that he was signing up for a 7-day trial, the date the trial would end, the amount the monthly fee would be if he did not cancel, and the phone number on how to cancel. Mr. ****** could have cancelled at any time, however, the first notice we received that he wished to discontinue services was the receipt of this complaint. Upon receipt of this complaint Mr. ******** account was immediately cancelled. As there were no errors during the sign up process Mr. ****** is not eligible for a refund, however as a courtesy one has been issued. Mr. ****** claims that he never authorized the fee is clearly false, and as he did sign up, agree to the terms, and didn't cancel prior to the end of his trial period, as such we request the complaint be immediately closed.

• Initial Complaint

  Date:11/08/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Today my card was charged for $39.90 from this company and when I called they told me I had signed up for some credit checking thing online. When I told them I did not sign up for anything and wanted off their list and my money back they said they don’t give refunds and refused to take me off their list. I’m going to have to get a new debit card now cause they said they will be taking money out of my account every month. I’ve read reviews online about them and there are numerous complaints with the same issue. They need to be shut down!

  Business Response

  Date: 11/21/2022

  We have been unable to locate any accounts for ****** ******* and therefore can not validate that Ms. ******* is a customer. We have attempted to contact Ms. ******* to gather more information but she has not answered nor returned our calls. As such we request this complaint be removed.

• Initial Complaint

  Date:11/07/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The company offers a $1.00 credit check but then unknown to the customer charges an additional 39.50

  Business Response

  Date: 11/17/2022

  Ms. ***** signed up for a $1 trial of services on October 23. Signup requires a 4-page signup process which states, clearly and conspicuously, that she was signing up for a 7-day trial, the date the trial would end, the amount the monthly fee would be if she did not cancel, and the phone number on how to cancel.  Ms. ***** contacted customer service to cancel on November 5, the day after her trial ended and she had been billed. Ms. ***** requested her account be cancelled and it was immediately cancelled, in addition, she requested a refund, and had she not hung up before the completion of the call she would have know that she had been fully refunded. Ms. ***** claims that the fee is billed "unknown to the customer" is clearly false, and as she did sign up, agree to the terms, and was cancelled and refunded prior to the receipt of this complaint we request the complaint be immediately closed.

  Customer Answer

  Date: 11/19/2022

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ****** *****

• Initial Complaint

  Date:11/04/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My credit card account was billed twice for $39.90 by ***** **** ***** and I did not authorize these charges.

  Business Response

  Date: 11/17/2022

  Ms. **** stated she did not authorize the charges. This is not correct. Records indicate that she signed up and authorized the charges for service on September 26, from an IP address in ****** **, the same county and state in which she resides.She provided her full 16 digit credit card and billing information, as well as authenticated her identity with the credit bureau as part of the signup process. Ms. **** was then sent a welcome email reiterating the terms of the services as well as the billing and fee information. Ms. **** could have cancelled her services at any time, however, instead over 2 months after she signed up, and the same day she filed this complaint, she emailed customer service requesting to be cancelled and refunded. Upon receipt of said email, Ms. ****** account was immediately cancelled, and even though she was not eligible for any refunds, a courtesy refund was issued. Additionally, Ms. **** was sent confirmation emails at that time confirming cancellation as well as refund. All of this prior to our receipt of this complaint. As Ms. **** clearly did sign up, authorized the fees, cancelled and was refunded prior to this complaint, we request the complaint be closed and removed.

• Initial Complaint

  Date:10/20/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  *********** ******** **
  -$39.90
  
  was charged to my bank account. I have never been to this website and there is no way to cancel this service. This needs to be refunded. A charge of $1 was authorized but there was not agreement to a trial period or subscription

  Business Response

  Date: 11/02/2022

  Ms. ******** signed up on Oct 12th for credit monitoring from an IP address in ************ *** the same city and state in which she resides. Ms. ******** states in her complaint that she had never been to the website, however she then states "A charge of $1 was authorized....".
  Clearly, she has been to the website and she signed up for the 7-day $1 trial.
  Ms. ******** also stated that the $1 was authorized but there was not an agreement to a trial period or subscription.
  Signup requires a 4-page signup process which includes clearly and conspicuously that she was signing up for a 7-day trial, the date the trial would end, the amount the monthly fee would be if she did not cancel, and the phone number on how to cancel. Ms. ******** contacted customer service on October 20 and requested her services be canceled, and at that time it was canceled. As Ms. ******** did sign up and agreed to the terms she was not eligible for a refund, however, a courtesy refund was issued. We request this complaint be closed

• Initial Complaint

  Date:10/14/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 10/13/2022, I saw a charge of $39.99 in process at my bank. I checked and saw it was from
  *********************. I called the company, asking what this charge was for. Here, they automatically enrolled me in their program because I failed to opt out after the trial period. I missed the whole opt out or you'll be automatically enrolled clause. The reason I did the $1 credit check with this company was because I was in a financial panic: I had covid, I'm on disability and expected to live on $843 a month. I was looking for services who might be able to help me pay my rent as it unexpectedly went up $100. I explained to the company I'm sure they provide fabulous perks, but you can't get blood from a stone no matter what. I can't afford any extra expenditures when I wonder if I'll eat that day... Should their charge go through, I'm left w/ $88 to pay the rest of this month's bills. I used their site 1 time. And, considering ***************** is supposed to help people, I am incredulous they chose to hurt, not help me. I don't know what to do.... Any help would be greatly appreciated.
  Thank you for your time.
  Very truly yours,
  ~***** *******~

  Business Response

  Date: 10/26/2022

  As Ms. ******* explains in her complaint, she signed up and failed to cancel after the trial. We appreciate the honesty. Ms. ******* did contact customer service on October 13 and requested the account to be cancelled, which it was immediately canceled. Ms. ******* is not eligible for any refunds as she did sign up to the service and agree to the terms, however, we are not unsympathetic of her current financial situation, and as such we have issued a courtesy refund. As. Ms. ******* did sign up, her account was canceled the day she requested it and prior to the receipt of this complaint, and has been issued a courtesy refund, we request this complaint be immediately removed from our listing.

  Customer Answer

  Date: 10/27/2022

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ***** *******

• Initial Complaint

  Date:09/23/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Like many people here my first time encountering the company ********** was when I was surprised to see a charge for 39.90 on my debit card. I called customer service today spoke with Antonio who provided me with case nm ber ******** to close my account and request a refund, citing the fact that the terms and conditions I agreed to were in NO WAY clear or conspicuous when signing up for this service. When Antonio went ahead and closed my account he was citing all of the benefits of my account that have absolutely nothing to do with obtaining credit scores or credit monitoring services like roadside assistance and all this other nonsense that was AGAIN NOT CLEAR OR CONSPICUOUS. I clarified to Antonio I was victim predatory business practices and to CLSOE MY ACCOUNT AND REFUND THE CHARGE. He tried to justify it's validity to me with some roundabout stupid response. I dug up emails from one company "viewfreescore" which is owned by another company "norscore" which owns another company who billed me "my3bsc". Because I am seeing people who had similar conversations and are STILL being charged, I am filing this complain NOW to DEMAND my refund and receive WRITTEN confirmation of my account closure.

  Business Response

  Date: 10/06/2022

  Mr. ******** stated he agreed to the terms and conditions, however, he believes they were not clear and conspicuous.  The fact is the offer terms are repeated several times, but most importantly on the credit card page where it states the date the $1 trial ends, the fact that the customer will be billed after the end of the trial on a monthly basis until canceled and the methods and toll-free number to cancel. The terms also appear in the welcome email/transaction receipt.  Mr. ******** contacted customer service on September 23 and his account was canceled that day.  Furthermore, even though he was not eligible for any refunds, a partial courtesy refund was issued on that day, additionally, Mr. ******** has been fully refunded at this time. Mr. ******** has requested proof of cancellation, and he was sent an email on September 23 confirming that his account was indeed canceled, an email that was, again, sent to the same email address he used in this complaint. As Mr. ******** did sign up and did agree to the terms of the offer, has been canceled, and fully refunded we request this complaint be immediately closed

  Customer Answer

  Date: 10/06/2022

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: Another charge was attempted on my card by the same business a week after I called in and was told my account was allegedly "closed". The fact of the matter is that there is nothing conspicuous about the terms of the agreement or what the customer is even receiving in exchange for monthly payments. I was told road side assistance. I never signed up for road side assistance and it does not appear anywhere in the agreement. The business can deny predatory business practices until they are blue in the face. The fact of the matter is this is a predatory business.

  
  
  
  Sincerely,
  
  
  
  **** ********