CIC Credit Monitoring Consumerinfo.com Free Credit Report scam rip off charge bank account for free credit report 79.95 unauthorized steal promised without permission lie Orange California Nationwide Internet

Sissy's rebuttal brings to light an interesting situation and another bad point of the company she is working for.

I worked my way through college for a year and a half (before I became thoroughly disgusted and quit) for a company which also poses as a legitimate business but, in fact, exists primarily to make money off unsuspecting consumers.

First, Sissy, just because they are your employer doesn't mean you need to defend them. You will feel better about yourself if you start working for an honest company.

Much of Sissy's response sounds like it is straight from the script employees of CIC are provided with. They memorize the script and repeat it until they believe it is true and valid. When you call CIC, you will be dealing with an employee who has been almost brain-washed into believing the company has done nothing wrong. They probably talk badly about the "stupid" or "ignorant" customers when they are not on the phone with them. They will give you their script and, if you dispute, you will be one of those ignorant customers who just can't understand a contract or an application. Probably everything they say has some element of truth; what they say may actually have been on the application. However, the company has specifically designed the application to be deceptive and misleading. Therefore, it is much better to have contacted both your bank and the BBB before calling. The company will usually settle with you rather than affording the expense of legal costs.

Customers who were angry at the company I worked at eventually got us ousted from the better business bureau, and several class action suits have cost the company millions. I believe it will one day go out of business, and this company can, too, if we persist.

Sissy's rebuttal brings to light an interesting situation and another bad point of the company she is working for.

I worked my way through college for a year and a half (before I became thoroughly disgusted and quit) for a company which also poses as a legitimate business but, in fact, exists primarily to make money off unsuspecting consumers.

First, Sissy, just because they are your employer doesn't mean you need to defend them. You will feel better about yourself if you start working for an honest company.

Much of Sissy's response sounds like it is straight from the script employees of CIC are provided with. They memorize the script and repeat it until they believe it is true and valid. When you call CIC, you will be dealing with an employee who has been almost brain-washed into believing the company has done nothing wrong. They probably talk badly about the "stupid" or "ignorant" customers when they are not on the phone with them. They will give you their script and, if you dispute, you will be one of those ignorant customers who just can't understand a contract or an application. Probably everything they say has some element of truth; what they say may actually have been on the application. However, the company has specifically designed the application to be deceptive and misleading. Therefore, it is much better to have contacted both your bank and the BBB before calling. The company will usually settle with you rather than affording the expense of legal costs.

Customers who were angry at the company I worked at eventually got us ousted from the better business bureau, and several class action suits have cost the company millions. I believe it will one day go out of business, and this company can, too, if we persist.

Sissy's rebuttal brings to light an interesting situation and another bad point of the company she is working for.

I worked my way through college for a year and a half (before I became thoroughly disgusted and quit) for a company which also poses as a legitimate business but, in fact, exists primarily to make money off unsuspecting consumers.

First, Sissy, just because they are your employer doesn't mean you need to defend them. You will feel better about yourself if you start working for an honest company.

Much of Sissy's response sounds like it is straight from the script employees of CIC are provided with. They memorize the script and repeat it until they believe it is true and valid. When you call CIC, you will be dealing with an employee who has been almost brain-washed into believing the company has done nothing wrong. They probably talk badly about the "stupid" or "ignorant" customers when they are not on the phone with them. They will give you their script and, if you dispute, you will be one of those ignorant customers who just can't understand a contract or an application. Probably everything they say has some element of truth; what they say may actually have been on the application. However, the company has specifically designed the application to be deceptive and misleading. Therefore, it is much better to have contacted both your bank and the BBB before calling. The company will usually settle with you rather than affording the expense of legal costs.

Customers who were angry at the company I worked at eventually got us ousted from the better business bureau, and several class action suits have cost the company millions. I believe it will one day go out of business, and this company can, too, if we persist.

Sissy's rebuttal brings to light an interesting situation and another bad point of the company she is working for.

I worked my way through college for a year and a half (before I became thoroughly disgusted and quit) for a company which also poses as a legitimate business but, in fact, exists primarily to make money off unsuspecting consumers.

First, Sissy, just because they are your employer doesn't mean you need to defend them. You will feel better about yourself if you start working for an honest company.

Much of Sissy's response sounds like it is straight from the script employees of CIC are provided with. They memorize the script and repeat it until they believe it is true and valid. When you call CIC, you will be dealing with an employee who has been almost brain-washed into believing the company has done nothing wrong. They probably talk badly about the "stupid" or "ignorant" customers when they are not on the phone with them. They will give you their script and, if you dispute, you will be one of those ignorant customers who just can't understand a contract or an application. Probably everything they say has some element of truth; what they say may actually have been on the application. However, the company has specifically designed the application to be deceptive and misleading. Therefore, it is much better to have contacted both your bank and the BBB before calling. The company will usually settle with you rather than affording the expense of legal costs.

Customers who were angry at the company I worked at eventually got us ousted from the better business bureau, and several class action suits have cost the company millions. I believe it will one day go out of business, and this company can, too, if we persist.

I don't want to sit here and encourage this childish banter from "Sissy", but it is amazing to me that someone would actually defend this company. It is very sad that a person would condone or support this kind of behavior. What is wrong with this business philosophy? -- "Company offers consumer a product or service for a fair price and consumer purchases this product or service when they need it or want it"-- Just because an "agreement" is cleverly hidden out of sight or behind popups does not mean that it is honest and ethically sound!

You can sit here and pick apart everyone's grammar and typos, but the fact remains, our money was STOLEN from us. There is no other way to describe it. I NEVER entered in my credit card number. I had already fallen victem to a similar scheme over the phone a few years earlier, so I was leary. I plan on persuing this issue until I see some serious consequences handed out to CIC.

The worst part of this is I have YET to hear of or talk to a SINGLE person who actually got to view their credit report online. 90% of the people who were victems of THEFT by CIC never even got a credit report via mail. Explain this please. You should be disgusted with yourself... you pretend to offer people credit assistance and protection from fraud while secretly committing even worse crimes against them. I really wish that something would be done to EVERYONE in this market... the people who sell their "How to get rich ... " schemes on latenight TV ... the "rebuild your future..." promises... they are all evil. I cant think of another word but evil to describe someone who would prey on people who already are worried/concerned/stressed about their financial situation and seek to take even more money from them and put them in a worse situation. That is akin to seeking out starving people to steal food from!

Say what you like to try and rationalize your involvement with this CRIME RING and be able to look at yourself in the mirror, but don't be surprised when you end up in a prison cell one day wearing a nice orange jumpsuit. It's where you belong.

------AGAIN----------
If you have been ripped off by these people:

1- Call your bank and report it as an UNAUTHORIZED charge. Tell them this company has STOLEN from you and illegally charged your card.

2- Have your bank call Consumerinfo.com and also call yourself and inform them that they have no option but to refund your money. INCLUDING ALL NSFs or other fees this crime caused you to incur.

3- Once you have your refund CANCEL THE CARD it was charged to.

4- Contact your bank again and tell them you would like to follow up on the crime and have this company held legally accountable for what they have done to you.

5- Contact ANY law enforcement agency you can think of that should know about this.


DO NOT BELIEVE A WORD THEY SAY!

momma's boy ---

Is that the best you can do? My My do you kiss your mother with that mouth... In july of 2003 for consumerinfo customers 2nd passcodes never existed are you sure you were not a member of another company?...like privacy plus or quicken?

And there is no compliance department at consumer info...sorry

And sending an email to cancel your account. couldnt be bothered to call?... And its too bad you cant be bothered to clearly identify yourself it should be so easy to get anyones credit report.. if you dont like the way the system works then go directly to the agency to retrieve your reports see how easy that is...

and always remember you get what you pay for..

Sissy, I think you should check your spelling and grammar before telling someone they can't read.

Let's recap, shall we?
---------------------------------
"this is the fasted way" - do we mean "FASTEST"?

"and is does state on the application" - is="IT"?

"what is the oppisite of that" - oppisite = "OPPOSITE"?

"stoped" = "STOPPED"?
---------------------------------

Now that we've established the level of intelligence we're dealing with we can move on, shall we? Then again, I think that was apparent when we noted who you work for.

1. MANY, including myself, signed up for a free report and cancelled way before the 30 days was up and we were still charged.

I did read the fine print. I signed up for a free credit report. If I failed to cancel within 30-day trial I would then be charged $79.95 and become a member of the credit monitoring service. I cancelled on the 21st day via EMAIL and your company chose to process my cancellation on the 31st day. Yes, I conveniently received an email from them, over a week later, saying, Hello, we received you cancellation request and will process it. I immediately contacted my bank and guess what? They had posted $79.95 to my account the day before.

Maybe an idiot like you would consider that a coincidence? I am not the only one this has happened to.

I complained to the FTC, BBB and FBI Internet Fraud, Florida Dept Of Consumer Services, the media and 2 lawyers as well many other websites devoted to making the public aware of online fraud and guess what? The wonderful company you work for was held accountable and had to refund the $79.95 membership fee AND all the BOUNCED CHECK FEES I incurred because of the charge. I have the letter from your company. It's from Michelle Mimlitsch, her title is Manager Compliance. Also, it's on file with FL. Dept of Agriculture and Consumer Services, reference # 01-08-24070/CAL.

She wrote:

Unfortunately, in July some technical difficulties delayed some of our "back office" functions and cancellation processing but there was never a deliberate delay. We issued Ms. ______ a full refund on 7/27/01 and in August issued a manual refund to cover an overdraft charge that resulted from the original error. We do regret any inconvenience to Ms. ______
-------------------------------------------------
So what was that you were saying? They dont reimburse NSF fees? HA! WRONG! It takes a lot of time and effort to get anywhere with them. Proof such as my email helped.

Every part of their operation is a scam. What happened to the ONLINE INSTANT ACCESS CREDIT REPORT? Everything I've ever read seems to show that they can never verify anyone's identity so they pull the old "oops, got to send you a 2nd passcode in the U.S. Mail"...that takes up to 7 days and you better hope they send you the other code because they always seem to forget one or the other.....I had to call them for the one they were supposed to email me and we all know that you need both codes to access the report.

How convenient...seems to me like they deliberately delay you accessing that report. Before you know it. BAM! 30 days is up.

You may be asking yourself how did I win? Well, because I didn't listen to the loser on the phone that said I couldn't have my money back. Gee, is that what you do? I'm so sorry to offend you. My bad.
The ONLY reason I got all my money back is because I had saved all the emails showing the dates and I complained to everyone I could.

The point is: NO CONSUMER should have to go through this crap.

In my opinion, this company and anyone who defends them is equal to a maggot.

Sissy, I think you should check your spelling and grammar before telling someone they can't read.

Let's recap, shall we?
---------------------------------
"this is the fasted way" - do we mean "FASTEST"?

"and is does state on the application" - is="IT"?

"what is the oppisite of that" - oppisite = "OPPOSITE"?

"stoped" = "STOPPED"?
---------------------------------

Now that we've established the level of intelligence we're dealing with we can move on, shall we? Then again, I think that was apparent when we noted who you work for.

1. MANY, including myself, signed up for a free report and cancelled way before the 30 days was up and we were still charged.

I did read the fine print. I signed up for a free credit report. If I failed to cancel within 30-day trial I would then be charged $79.95 and become a member of the credit monitoring service. I cancelled on the 21st day via EMAIL and your company chose to process my cancellation on the 31st day. Yes, I conveniently received an email from them, over a week later, saying, Hello, we received you cancellation request and will process it. I immediately contacted my bank and guess what? They had posted $79.95 to my account the day before.

Maybe an idiot like you would consider that a coincidence? I am not the only one this has happened to.

I complained to the FTC, BBB and FBI Internet Fraud, Florida Dept Of Consumer Services, the media and 2 lawyers as well many other websites devoted to making the public aware of online fraud and guess what? The wonderful company you work for was held accountable and had to refund the $79.95 membership fee AND all the BOUNCED CHECK FEES I incurred because of the charge. I have the letter from your company. It's from Michelle Mimlitsch, her title is Manager Compliance. Also, it's on file with FL. Dept of Agriculture and Consumer Services, reference # 01-08-24070/CAL.

She wrote:

Unfortunately, in July some technical difficulties delayed some of our "back office" functions and cancellation processing but there was never a deliberate delay. We issued Ms. ______ a full refund on 7/27/01 and in August issued a manual refund to cover an overdraft charge that resulted from the original error. We do regret any inconvenience to Ms. ______
-------------------------------------------------
So what was that you were saying? They dont reimburse NSF fees? HA! WRONG! It takes a lot of time and effort to get anywhere with them. Proof such as my email helped.

Every part of their operation is a scam. What happened to the ONLINE INSTANT ACCESS CREDIT REPORT? Everything I've ever read seems to show that they can never verify anyone's identity so they pull the old "oops, got to send you a 2nd passcode in the U.S. Mail"...that takes up to 7 days and you better hope they send you the other code because they always seem to forget one or the other.....I had to call them for the one they were supposed to email me and we all know that you need both codes to access the report.

How convenient...seems to me like they deliberately delay you accessing that report. Before you know it. BAM! 30 days is up.

You may be asking yourself how did I win? Well, because I didn't listen to the loser on the phone that said I couldn't have my money back. Gee, is that what you do? I'm so sorry to offend you. My bad.
The ONLY reason I got all my money back is because I had saved all the emails showing the dates and I complained to everyone I could.

The point is: NO CONSUMER should have to go through this crap.

In my opinion, this company and anyone who defends them is equal to a maggot.

Dear Momma's Boy,
Your eagle eye must be blind or you dont know how to read.. it never said guaranteed anywhere on that web site.... You must be 25 yrs old and from the south... there is only a little truth in what you said looks like you needed to add and i can see you like to hear yourself talk ... 1st .. your bank usually calls us with you on a 3 way because they know this is the fasted way to get your money back. and is does state on the application that if you want to continue the service then do nothing ... what is the oppisite of that ... DO SOMETHING.. i guess your eagle eye stoped there and the company has a policy that if you cancel within 30 days of your billing its an automatic full refund... so nothing you said made them do that. and if you dont verify the info you get nowhere.. and refund of charges for nsf HA never... because your eagle eyed stopped reading after you put in your credit card.. stay with mom until your ready for the real world

Just noticed that my title didn't show that the message contained a verified way to get the money that was stolen from you by CIC back. Please read my original message and it will tell you how to get your money back within days. You don't need to order anything from anyone. All you need to do is contact your BANK first and NOT consumerinfo.com . They are trained to talk you out of it and they are good. Your bank can demand your money back for you and handle a legal inquiry in court for them. Your bank will probably do ALL of this FOR YOU.... so don't feel overwhelmed! Good luck and best wishes!