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Report: #803763

Complaint Review: Experian - Irvine California

  • Submitted:
  • Updated:
  • Reported By: Wentworth — St. Ozone Pk. Queens New York United States of America
  • Author Not Confirmed What's this?
  • Why?
  • Experian 18500 Von Karman Ave. Suite 900 Irvine, California United States of America

Experian Repeatedly take money from my Checking Account without my Authorization. Irvine, California

*Consumer Suggestion: You probably should have read the Terms and Conditions on Experian's site..

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In July of this year I did a one time credit check online, I did the payment with my Debit card as as a one time payment only,

In November I received an overdraft letter from my Bank for insufficent funds. I know I had enough cash in the account therefore I should not have gotten that letter. I called the Bank, the Representative told me that my Account was charged the $14.10 from July- November from Experian.

I asked the Bank to provide me with Experian phone # and they gave me 877-297-7793. I called and spoke to Nicki Emp. #24532 she was not very helpful and had me on hold after I told her my story forever.

I asked her for the address and she refuses saying it was against Company's policies to give out the Address. I asked to speak to a Manager and was placed on hold for another extended period. A Mr Michael, Employees # 25698 came on the phone, told me some crazy story and told me they can only refund me 3 Months payment.

I told him I need this account closed immediately, I need confirmation that it is closed via email and my cash returned back o my account. I also told he should be responsible for my overdraft fees since this was an unauthorized transaction.

To date, that account is still active, I did not received a confirmed email, and my funds was not returned to my accounts. Kindly investigate as Experian seem like a fraudelent Company.

Please let me know your findings also the result on this matter. Thanks in advance.

This report was posted on Ripoff Report on 12/01/2011 01:15 PM and is a permanent record located here: https://www.ripoffreport.com/reports/experian/irvine-california-92612/experian-repeatedly-take-money-from-my-checking-account-without-my-authorization-irvine-803763. 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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#1 Consumer Suggestion

You probably should have read the Terms and Conditions on Experian's site..

AUTHOR: Ken - (USA)

POSTED: Thursday, December 01, 2011

Here's an excerpt from the "Terms and Conditions"...

Credit Monitoring Membership With Free Trial (Applicable to Single-Bureau Monitoring): You will be asked for valid credit card information when you sign up for the free credit monitoring trial. CIC will verify your credit card information before processing your order. An authorization in the amount of one dollar will be performed on your credit card to make sure it is valid and in good standing and the one dollar authorization amount may count against your credit or debit limit. Additionally, your credit card will be charged a non-refundable $1 fee, plus any applicable sales tax, for your Credit Report. However, CIC will not bill you the monthly membership price of $17.95 until the free trial period has ended. If you do not cancel your free trial membership within 7 days of the date you place your order, your membership will continue automatically and the monthly/annual fee will be billed to the credit card or other billing source provided by you when you enrolled in credit monitoring, on the first day of each successive membership term. The credit monitoring benefit may only be available for 5 days during your trial period; however, other product features and benefits will be available to you during your entire trial period. If you purchase additional credit reports
and/or scores during your trial period, they will be billed to the credit or debit card provided to us during enrollment. In the event that you purchase additional products from CIC using a different credit or debit card, or if you update your payment information with CIC, CIC will charge the latest card provided by you. Please note, if you have ever been a member and received a free trial, CIC may refuse to give you another free trial offer. Returning members will be billed the membership fee immediately upon renewal. During your trial period, you are eligible for one report and/or score as dictated by your specific membership terms.

Looks pretty clear to me.

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