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Report: #320229

Complaint Review: CreditReport.Com - Internet

  • Submitted:
  • Updated:
  • Reported By: Arnold Maryland
  • Author Confirmed What's this?
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  • CreditReport.Com Internet U.S.A.

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Only recently did I finally question the strange charges on my account, the 11.95 monthly fee from MNI*Creditrpt services. Working at a bank I had a customer come in who had received these charges on her card and her account, two fees, this time 8.95 (no consistency). These two fees which she never authorized overdrew her account. For myself the fees have added up to almost $100.

Unfortunately I was a naive young adult who only assumed that these charges were something that must be incurred with having a credit card. After seeing someone else who experienced this, I immediately called the company and questioned why this was happening. As with many others they told me that I 'registered' for their service when I acquired my 'FREE' credit report. Of course I was outraged, I acquire a free service and you charge me for it. They tell me that if I didn't want to be billed I should have canceled the service during their 30 day trial period. Hard to cancel a service I didn't know I subscribed to. They ask me if I want to cancel, I say of course, immediately. I then ask for a refund of every charge that I never even authorized. Surprise Surprise, they have a no refund policy. I demand to be transferred to a supervisor and I'm given to a recording telling me that they're closed for the day. Strange considering I just spoke to someone 30 seconds ago. I call back, same thing happens, call back a third time, I speak with a customer service rep who asks what my complaint is, I explain, and say we have two options here. 1. You refund all of my money, 2. I contact my attorney, as well as send a letter to the attorney general and enlighten them as to how you do business. I was told I might as well write the letter as they have a no refund policy. Happy to oblige, I wrote the letter.

Steps I've taken so far:
Contacted the company, received a cancellation number.
Wrote a letter to the Maryland Attorney General's Office
Submitted a letter to CNN requesting that they publish the story Submitted a letter to FOX News requesting that they publish the story Contacted my credit card company

I encourage everyone who's experienced this to contact the BBB, contact the attorney general, contact your news services, make this situation known and bring the company to justice. If anyone out there has the resources to start a class action lawsuit, by all means, I'll definitely join. Something needs to be done, I'm tired of just rolling over the accepted the fact that the world is corrupt. If you want something fixed, fix it.

Arnold, Maryland

This report was posted on Ripoff Report on 03/22/2008 03:08 PM and is a permanent record located here: 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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#4 Author of original report

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

POSTED: Sunday, March 23, 2008

Since I know the popular argument will be 'Well it's written write there on the side, you should have read it.' To clarify, this happened in November 2007, and this disclaimer they have there now, is a recent addition, probably in response to a threat of legal action from others they've received throughout the years. Again, no one may believe that, but this is about more than what's right and wrong under the technical letter of the law. If a thief or murderer goes free because of some legal escape their attorney comes up with well hey, that's the law, legally they can go free. But the question is, is it RIGHT. There's much more than just black and white these days, there's a whole world of gray areas.

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#3 Consumer Comment

Faron, it's not even misleading....

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

POSTED: Saturday, March 22, 2008

This is whjat's in the blue box immediately in your face on the left hand side. It can't be missed. >>
"Find peace of mind with your FREE Credit Report and Score!
Where millions of consumers just like you, come to check their free credit report and score every hour, every minute, every second of every day. offers the fastest, most reliable and secure credit report data available.
Serving America since 1998. The recognized leader.
The consumers choice.

Offer Details

By ordering a free credit report, you will automatically be enrolled in a 30 day free trial of credit monitoring.
You will receive automatic notifications of changes to your credit report.
For each month that you continue your membership your credit card will be billed $11.95 if you do not cancel your membership within the trial period.
You may cancel anytime - there is no obligation.
>> is not affiliated with the annual free credit report program. Under a new Federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting companies.
>>To request your free annual report under that law, go to Stay protected with our state-of-the-art credit monitoring tools.
Remember, monitoring your credit means improving your financial well-being.
So live your life and let us guard your credit.
It's that reassuring.
For your protection, we must verify your identity before providing you a copy of your free credit report."

They even tell you where you can go get the absolute free one! What more could you want?

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#2 Consumer Comment

I will agree they are misleading, but

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

POSTED: Saturday, March 22, 2008

there website does tell you this report is good for 30 days and allows you to cancel it. So you really need to read everything that is listed on the website to make a well-informed decision.

Here is a snippet at the bottom of their website, whcih I just reviewed. is a leader in providing free credit reports and free credit scores in a secure online environment.Order your free credit report and score today! Just try our credit monitoring service for 30 days free with no obligation. You can cancel at any time. We are confident youll find it to be a valuable tool for protecting your credit, as millions of others have.
You may also choose to instantly view your 3-in-1 merged credit report from the three national credit bureaus: Experian, Equifax and TransUnion.

Misleading, yes but not a ripoff.

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#1 Consumer Comment

No scam about it.

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

POSTED: Saturday, March 22, 2008

It is clearly posted on the left half of the front page in the blue box. You just have to want to read it I guess.

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