- Report: #1039471
Report - Rebuttal - Arbitrate
Complaint Review: Free Credit Report.com
Free Credit Report.comInternet United States of America
Free Credit Report.com Deceptive Advertising - No Refunds Internet
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They advertise free credit reports for 1.00 if you use your credit card to process the expedited request. All I wanted was my credit card score to provide for my refi loan so I opted to give them my credit card number and incur the $1.00 fee. The fine print I missed indicates that you must use their subscription service at $19.95 per month, $21.24 with tax) to get your free credit report it unless you cancel with 7 days. I did not notice this cancellation clause, therefore the first time I became aware of the billing was when I saw it on my credit card statement.
I disputed the charge with my credit card provider who then set up a conference call with Free Credit Report. They said they were sorry but because of the terms and conditions there was nothing they could or would do. I insisted that cancle my membership immediately. They indicated my membership was canceled and sent me a confirming e-mail that I would not receive any additional billings.
The next month I received another billing and called Free Credit Report to complain. I explained my cancellation and the e-mail indicating no further charges would apply. Their response was that I contacted them on March 7th and the billing cycle started on March 5th so I was obligated to pay for another entire month of subscription service. They would not pro rate based upon the terms and conditions of service. I never saw this anywhere, but I'm just they listed it in 5 pt type somewhere.
I've never been forced to pay for service I didn't want ever after I canceled. This company is a total fraud and I'm sure this happens all the time. Had I received an e-mail about the fees or cancellation window I would have canceled immediately. They don't offer this because they know they'd lose most of their revenue stream.
Avoid this company like the plague!!
This report was posted on Ripoff Report on 03/31/2013 11:44 AM and is a permanent record located here: http://www.ripoffreport.com/r/Free-Credit-Reportcom/internet/Free-Credit-Reportcom-Deceptive-Advertising-No-Refunds-Internet-1039471. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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