• Report: #221620
Complaint Review:

CIC Triple Advantage

  • Submitted: Tue, November 21, 2006
  • Updated: Sat, November 25, 2006

  • Reported By:Arkadelphia Arkansas
CIC Triple Advantage
P.O. Box 19729 Irvine, California U.S.A.

CIC Triple Advantage fraudulent Experian, I paid and Didn't get a Credit Report Irvine California *EDitor's Suggestions on how to get your money back into your bank account that was wrongfully taken from you!

*Consumer Suggestion: An addition to Paul's good advice regarding free crdit reports

*Consumer Suggestion: If you provide payment info, YOU ARE GOING TO BE CHARGED

*Consumer Suggestion: The free place is annualcreditreport.com The rest of the places are all scams that only PRETEND to be free.

*Consumer Suggestion: How to get your money back

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After going online to freecreditreport.com, I expected to actually get my credit report. Wrong! I was unaware that payment was required, hence the name "Free credit report", and after exiting the site, my account was billed $12.95.

Roughly three weeks later, my bank noticed the charge and called me to verify. I could not believe that they charged my account for something that I never recieved. I am furious at this charge and I am determined to have it explained to me by the company themself.

Arkadelphia, Arkansas

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EDitor's Suggestions on how to get your money back!


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!


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.


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

Don't let them get away with it.
Make sure they make the Rip-off Report!

We are not lawyers.
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...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.

This report was posted on Ripoff Report on 11/21/2006 08:51 AM and is a permanent record located here: http://www.ripoffreport.com/reports/cic-triple-advantage/irvine-california-92623-9729/cic-triple-advantage-fraudulent-experian-i-paid-and-didnt-get-a-credit-report-irvine-cal-221620. 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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Updates & Rebuttals

#1 Consumer Suggestion

An addition to Paul's good advice regarding free crdit reports

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

Paul is correct about this free credit report thing. The ONLY online source for you to get your free annual credit report as per federal law is www.annualcreditreport.com. There is no other online source.

However, you can contact each credit bureau by phone to get your free annual credtit report as well, and I like this method better, as the report you get is easier to read and use for disputes than that online merged report.

Also please note, that your credit score is NOT included on any free credit report. This is always extra either by a fee for the score, or joining a monthly monitoring service to get the "free" score.

We need more federal regulation on this in the form of diclosures people can actually read and understand.
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#2 Consumer Suggestion

If you provide payment info, YOU ARE GOING TO BE CHARGED

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

If you respond to a "free" offer, and it asks for a credit card # or banking information, YOU ARE GOING TO BE CHARGED FOR SOMETHING.

There's no two ways about it. If something is "FREE", and it is very rare that anything is, the business will not ask for payment information.

I actually have signed up for "free trials" that really were free. How do I know this? Because they didn't ask for any payment information. If a site asks for payment info, I leave immediately.

Even still, I'm "playing with fire" in that it IS possible I may unwittingly provide permission to have my phone bill charged, since I do have to use a phone company to connect to the internet. But that's why, boring and tedious as it is, I do always try to go through the terms and conditions before I venture very far. No, I DO NOT READ EVERY SINGLE WORD. I look for my own "keywords" - "subscription", "payment", "fees", "membership". I haven't had this phone billing thing happen so far, but at least I'm aware enough to check the phone bill each month to make sure I didn't fall for one of those scams with my risky behavior.

Bottom line, it IS this simple. If they ask for payment information, THEY WILL BE CHARGING YOUR CARD, OR TAKING MONEY FROM YOUR BANK ACCOUNT.
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#3 Consumer Suggestion

The free place is annualcreditreport.com The rest of the places are all scams that only PRETEND to be free.

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

This stupid-a*s scam has been working a long time.

These d**n crooks make a website name like free credit report. Or free online check. Anything with the word free in it.

The use this micro-size print that says that they will charge you $15 a month or some ridiculous amount. It comes out to over a hundred a year.

The tip-off is that they ask you for a credit card number. You already know that you're about to get cheated.

Why in the world anyone would enter a real credit card number online is beyond me. But, this happens to people over and over again. These scams take in millions.

Most people end up paying on this for months. They don't understand their bill. They just pay whatever. And, whatever includes this scam credit report charge.

But, the annual credit report is really free. Try it.

Here's the rule. Anytime you give out an account number, you will be charged. Why else would they be asking for it? What, for their records?
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#4 Consumer Suggestion

How to get your money back

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


I, too was ripped off by CIC for $92.57(read my report under Experian") I have tried to call them, and they really don't care. What I did was I reported Experian to the Better Business Bureau of that state, the FTC (Federal Trade Commission), called the Attorney General of my state and asked them to send me a complaint form. Then I emailed Pam Zekman of CBS NEWS.

I don't know if this will do any good, but I have done things like this before, and I have gotten my money back from Triple AAA Motor Club, Walgreens when they lost my pictures, and various other things. You might want to try this. Y ou are not in this alone. Kathy (Kathleen, Chicago, IL)
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