• Report: #27434

Complaint Review: Junum.com

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  • Submitted: Tue, August 20, 2002
  • Updated: Fri, February 14, 2003

  • Reported By:Newton NJ
Junum.com
PO Box 26530 Santa Ana, California U.S.A.

Junum.com ripoff deceptive company Santa Ana California *UPDATE .. rear covered with the "fine print"

*Consumer Comment: taking action

*0: Junum.com ripoff deceptive company Santa Ana California .. rear covered with the "fine print"

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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

This report was posted on Ripoff Report on 08/20/2002 10:39 AM and is a permanent record located here: http://www.ripoffreport.com/r/Junumcom/Santa-Ana-California-92799-6530/Junumcom-ripoff-deceptive-company-Santa-Ana-California-UPDATE-rear-covered-with-the--27434. 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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REBUTTALS & REPLIES:
0Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

taking action

AUTHOR: Mary - (U.S.A.)

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.
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#2 0

Junum.com ripoff deceptive company Santa Ana California .. rear covered with the "fine print"

AUTHOR: - ()

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.
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