Report: #208777

Complaint Review: CIC Credit - Irvine California

  • Submitted:
  • Updated:
  • Reported By: Independence Missouri
  • CIC Credit Support@freecreditreport.com Irvine, California U.S.A.

CIC Credit ripoff, fraudulant debit to account Irvine California *EDitor's Suggestions on how to get your money back into your bank account that was wrongfully taken from you!

*Author of original report: Updated Version: 1470th complaint on ROR.com about CIC Credit Services

Show customers why they should trust your business over your competitors...

Is this
Report about YOU
listed on other sites?
Those sites steal
Ripoff Report's
We can get those
removed for you!
Find out more here.
How to fix
Ripoff Report
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..
Wow. I'm shocked to see 1469 reports on CIC Credit, and now make it 1470.

I was just balancing my checking account and saw a charge for $12.95 from CIC Credit Monitoring. Because I keep a tight hold on my finances, I knew immediately that I had been charged for something I did not order. I googled CIC Credit and found this site.

Here's what happened. About 10 days ago I hit freecreditreport.com. I get my annual free credit report every year. Ironically, last year I used this same site to get all three credit reports and was not charged at all. I attempted to get my credit report from Experian first. It never loaded, so I simply left the site and decided I'd try later. I never signed up for any service, I never requested any service, I never agreed to any charges and I was never informed there would be a charge - afterall ...FREE credit report is the name of the site.

I have sent CIC an email demanding they refund my account immediately. I did try calling the number listed here on ripoffreport.com but they aren't open yet. I will call them in an hour when they open. If they refuse to refund the charge I will go to my bank. Thanks to ripoffreport.com I now know about ACH and will make full use of this to have the charge refunded.

Why hasn't anyone filed a class action lawsuit against this company?

Independence, Missouri

Click here to read other Rip Off Reports on CIC Credit Monitoring

CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.

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.
We are not a collection agency.

We are Consumer Advocates.
...the victims' advocate
WE are Civil and Human Rights Activists

We are a Worldwide Consumer Reporting News Agency
...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 08/31/2006 05:21 AM and is a permanent record located here: https://www.ripoffreport.com/reports/cic-credit/irvine-california-92623-9729/cic-credit-ripoff-fraudulant-debit-to-account-irvine-california-editors-suggestions-on-208777. 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

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?

Updates & Rebuttals


#1 Author of original report

Updated Version: 1470th complaint on ROR.com about CIC Credit Services

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

POSTED: Sunday, September 10, 2006
Updated info: Thanks to Rip-off Report, I had the phone number of the company. I finally managed to get ahold of someone who informed me that I "signed up" for this service. I adamantly informed her that I had not; had in fact previously used freecreditreport.com to obtain a copy of my credit report absolutely free of charge, in compliance with federal mandate and this had not happened. Which could only mean they had changed their practices on the website and not informed members clearly. She told me that while we were talking she had gone ahead and cancelled my membership. I thanked her and then inquired about the bogus charge being removed. Of course she said that could not be done. My response?
"Look, when I found this bogus charge on my account, I googled your company name. I found 1469 reports against your company for this exact same thing. Clearly you guys know there is a problem of this nature. So, you can either refund my money or I print off every one of those reports, go to an attorney and we contact these other people who have filed reports, and we file a class action lawsuit. Her VERY next words were "it will take 5 to 10 days for the refund to show up in your account". It took 4.

Thank you Rip-off Report!
Respond to this report!
What's this?

Advertisers above have met our
strict standards for business conduct.

What do hackers,
questionable attorneys and
fake court orders have in common?
...Dishonest Reputation Management Investigates Reputation Repair
Free speech rights compromised

Segment Now