Complaint Review: Junum.com - Santa Ana California
- Junum.com PO Box 26530 Santa Ana, California U.S.A.
- Phone:
- Web:
- Category: Credit & Debt Services
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: https://www.ripoffreport.com/reports/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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#2 Consumer Comment
taking action
AUTHOR: Mary - (U.S.A.)
SUBMITTED: Friday, February 14, 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.
#1 0
Junum.com ripoff deceptive company Santa Ana California .. rear covered with the "fine print"
AUTHOR: - ()
SUBMITTED: Thursday, 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.
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