Experian Consumer Services

Thank you for writing and expressing your concern regarding your membership with Triple Advantage(R).
As an initial matter, please note that, ConsumerInfo.com, Inc.® (“CIC”) and its product Triple Advantage(R), is an affiliated company of Experian®, the credit reporting agency, and in that...

capacity offers a variety of credit monitoring products that include online access to consumers’ personal credit reports and scores.
Our records indicate that you ordered a one dollar credit report along with trial membership on May 10, 2014. The membership was not cancelled; consequently, in accordance with the published terms of our offer, the credit card provided was charged our monthly membership fee on May 17, 2014. We received notification from you to cancel the membership on July 7, 2014.
Our website describes the offer and the order form details the terms and conditions of the offer, including billing at the end of the trial and monthly thereafter unless and until the customer notifies us of their wish to cancel. The consumer agrees to these terms when submitting their order.
ConsumerInfo.com(R) and its membership of Triple Advantage(R) monitors by soft inquires to the customer’s credit file as it is the customer inquiring on their own record, and as such, are not counted in credit score calculations, as do hard inquiries.
We wish to emphasize that for the duration of the membership we provided a number of benefits available to you at any time through our website, including, but not limited to, unlimited access to your credit report, as well as credit monitoring alerts which were updated daily.
We apologize for any misunderstanding or inconvenience. As a consumer you are indeed entitled to receive a free individual credit report from the credit reporting companies under the Fair Credit Reporting Act, dependent on certain requirements, or under the FACTA laws. To submit a request under the FCRA via Experian, please call 1-888-397-3742. For reports requested under the auspices of FACTA, please go to www.annualcreditreport.com.
However, ConsumerInfo.com(R) is not a credit bureau, and our online credit reports are premium products requiring the applicable fee listed on each respective order form.

We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
They obviously did not read my complaint and provided a standard form letter in response to my complaint.  They must use it a lot because they sign people up for their subscription automatically.  I did not give them permission to sign me up for a subscription.  I am requesting a refund of the money they charged me. They can check their system and clearly see I did not use any service except for the $1 credit report which was a separate transaction. Their response shows they do not care about customer satisfaction.  They just care about deceptively taking people's money.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
The details of the 7-day trial were hidden in the confirmation of the $1 product I did purchase. I have never purchased anything online that didn't include a receipt with details about what I purchased, how much I spent and other details. Experian didn't send any kind of confirmation email like that. Under the pressure of being away from home and away from my desktop computer (I bought the $1 credit checks while using a hotel computer), I was left to trust the company wouldn't raid my checking account for a product I didn't want, didn't need and certainly did not order.Also, when I called the company on April 5 to complain about this, the first question they asked was for the card number of the debit card I had placed the order ... NOT my name or other non-financial information. That threw up all kinds of red flags -- you've just raided my checking account against my wishes, and now you want to know my debit card number to raid my account again.All of these problems -- the lack of a clear statement of purchase of the original $21.95 (times two) and the request to get back into my debit card a second time led me to believe that this is nothing but a scam meant to defraud me of my money AND open the door to further scam artists. I'm shocked that they would try so hard to defend what I consider the theft of my money.
Regards,
[redacted]

Thank you for writing and expressing your concern regarding your membership with [redacted].
Our records indicate that you enrolled with [redacted] on December 4, 2014, and followed by a request to cancel the membership on April 25, 2015. On March 29, 2015 your...

membership was upgraded to Experian Credit TrackerSM. At the time of cancellation, a one month courtesy refund was issued for $17.99.
At this time we would like to express our regret that your experience with Experian Credit TrackerSM may not have met your expectation or our standard of excellence. We feel it is important to keep the consumer informed regarding the ordering process. Our website displays the following disclosure at sign up:
IMPORTANT INFORMATION
When you order your $1 Credit Report and FICO(R) Score, you will begin your 7-day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.
Please be advised that the price disclosed when you subscribed was $17.99.
We also wish to emphasize that for the duration of the membership we provided a number of benefits available to you at any time through our website, including, but not limited to, unlimited access to your credit report, as well as credit monitoring alerts which were updated daily.
We apologize for any inconvenience or misunderstanding. Customer satisfaction is our priority, as a courtesy we have issued a refund of $71.96 for the remaining membership fees on May 3, 2015. Please allow 3 - 5 business days for these funds to process to your credit card account. It is also important to note that this refund should appear on your next credit card statement.
We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for informing us of your recent experience with freecreditscore.com™.  We understand how upsetting a potential credit card fraud situation can be. ConsumerInfo.com(R), Inc. (“CIC”) is an affiliated company of Experian(R), the credit reporting agency, and in that capacity provides...

consumers with credit monitoring services and internet access to their personal credit reports. Our records indicate that a complimentary Experian(R) credit score along with a trial membership in freecreditscore.com™ was ordered on March 9, 2013 utilizing a Visa with the last four digits [redacted].  Since the complimentary trial membership was not cancelled in accordance with the published terms of our offer, the card provided was charged our monthly membership fee on March 16, 2013 Additionally, our records show that you contacted CIC on January 25, 2015, and stated that you are the holder of the Visa card, did not open the account in question and believed that the order was fraudulently placed with us by a third party utilizing your Visa card.  In response, CIC cancelled the membership, and locked the account.  Since you believe that the order was fraudulently placed with us by a third party, we encourage you to file a police report and to watch your accounts carefully in the event of other fraudulent use. Customer satisfaction is our priority, as a courtesy we have issued a refund of $215.88 on January 29, 2015.  Please allow 3 - 5 business days for these funds to process to your credit card account.  It is also important to note that this refund should appear on your next credit card statement. We hope the above information is helpful to you in considering this matter.

Thank you for writing and expressing your concerns.Our records indicate that you ordered a one dollar credit report along with a trial membership in Experian CreditWorksSM on May 25, 2017.  The membership was not cancelled; consequently, in accordance with the published terms of our offer, the...

credit card provided was charged our monthly membership fee on June 3, 2017.  A welcome email notification was sent to the email address you provided at the time of enrollment.  On June 12, 2017, you contacted us and the membership was canceled.At this time we would like to express our regret that your experience with Experian CreditWorksSM may not have met your expectation or our standard of excellence.  We feel it is important to keep the consumer informed regarding the ordering process. Our website displays the following disclosure on our product landing page:IMPORTANT INFORMATIONWhen you order your $1 Credit report and FICO(R) Score 8, you will begin your 7-day trial membership in Experian CreditWorksSM. If you don’t cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may easily cancel your trial membership online anytime within the trial period without charge.We have, as a courtesy, issued a refund for the Experian CreditWorksSM account in the amount of $21.95 on July 27, 2017. Our records also indicate that on June 1, 2017, you enrolled in a trial membership with CreditCheck(R) Total.  The membership was not cancelled; consequently, the card on file was billed our monthly membership fee on June 11, 2017.  On June 12, you contacted us and the membership was canceled.  The CreditCheck(R) Total website displays the following disclosure on the landing page:IMPORTANT INFORMATION When you order your $1 3-Bureau Credit Report & FICO(R) Scores, you will begin your 7-day trial membership in CreditCheck(R) Total. If you don't cancel your membership within the 7-day trial period**, you will be billed $29.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.We issued a refund for the CreditCheck(R) Total account in the amount of $29.95 on July 27, 2017, making the total amount refunded $51.90.  These funds may take 3-5 business days to process to the credit or debit card account.We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with Experian CreditWorksSM.  Our records indicate that you ordered a one dollar credit report along with a trial membership on February 4, 2017.  The membership was not cancelled; consequently, in accordance with...

the published terms of our offer, the credit card provided was charged our monthly membership fee on February 13, 2017.  A welcome email notification was sent to the email address you provided at the time of enrollment.  Per your request, your paid benefits will cease, effective March 13, 2017. You will continue to have access to your Experian(R) credit report and FICO(R) Score once every 30 days, at no charge to you. Our website describes the offer and the order form details the terms and conditions of the offer, including billing at the end of the trial and monthly thereafter unless and until the customer notifies us of their wish to discontinue. The consumer agrees to these terms when submitting their order.  We have, as a courtesy, issued a refund totaling $21.95 on February 27, 2017.  Please allow 3 - 5 business days for these funds to process to the credit card account.At this time we would like to express our regret that your experience with Experian CreditWorksSM may not have met your expectation or our standard of excellence.  We feel it is important to keep the consumer informed regarding the ordering process. Our website displays the following disclosure on our product landing page:IMPORTANT INFORMATIONWhen you order your $1 Credit report and FICO(R) Score 8, you will begin your 7-day trial membership in Experian CreditWorksSM. If you don’t cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may easily cancel your trial membership online anytime within the trial period without charge.We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with Experian Credit TrackerSM.Our records indicate that you enrolled with Experian Credit TrackerSM on May 23, 2014. We do not have any record of you requesting cancellation prior to being charged for the membership fees....

We apologize for any inconvenience or misunderstanding. Based upon this complaint, we have cancelled the membership and as a courtesy we have issued a refund of $179.55 on August 10, 2015.  Please allow 3 - 5 business days for these funds to process to your credit card account.  It is also important to note that this refund should appear on your next credit card statement.At this time we would like to express our regret that your experience with Experian Credit TrackerSM may not have met your expectation or our standard of excellence.  We feel it is important to keep the consumer informed regarding the ordering process.  Our website displays the following disclosure on our product landing page:IMPORTANT INFORMATION:When you order your $1 Credit Report & FICO® Score, you will begin your 7-day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge. We appreciate the time you took to send us your comments and suggestions.  We value the input from our customers, and assure you we will give serious consideration to the issues you presented to us.  It is through information provided by customers such as you that we are able to improve our products and memberships.We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with Experian CreditWorksSM.  Our records indicate that you ordered a one dollar credit report along with a trial membership on September 9, 2016.  The membership was not cancelled; consequently, in accordance with...

the published terms of our offer, the credit card provided was charged our monthly membership fee on September 17, 2016, and on or about the 17th of each following month. A welcome email notification was sent to the email address you provided at the time of enrollment. Per your request, your paid benefits will cease, effective January 17, 2017. You will continue to have access to your Experian(R) credit report and FICO(R) Score once every 30 days, at no charge to you. On December 29, 2016, a one month refund was issued in the amount of $21.95.Our website describes the offer and the order form details the terms and conditions of the offer, including billing at the end of the trial and monthly thereafter unless and until the customer notifies us of their wish to discontinue. The consumer agrees to these terms when submitting their order.  We have, as a courtesy, issued an additional refund totaling $65.85 on January 4, 2017.  Please allow 3 - 5 business days for these funds to process to the credit card account.At this time we would like to express our regret that your experience with Experian CreditWorksSM may not have met your expectation or our standard of excellence.  We feel it is important to keep the consumer informed regarding the ordering process. Our website displays the following disclosure on our product landing page:IMPORTANT INFORMATIONWhen you order your $1 Credit report and FICO(R) Score 8, you will begin your 7-day trial membership in Experian CreditWorksSM. If you don’t cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may easily cancel your trial membership online anytime within the trial period without charge.We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  I have checked my credit card and found the refund has already been processed.Thank you for the assistance with mitigating this issue.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.I would like to recommend that Experian CLEARLY provide this information to the consumer prior to believe they are being "signed up" for a service:  IMPORTANT INFORMATION: When you order your $1 Credit Report & FICO® Score, you will begin your 7-day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.
I did not see this information anywhere when I entered my credit card information - thinking I would only be charged the $1, and assume that, if it was there, it was "buried" within the fine print.  I did not know I was charged the $21.95 until it showed up in my account, conveniently AFTER the 7-day trial period.  To me, this is trickery.Thanks again to the Revdex.com for assisting me in this matter.Regards,
[redacted]

Thank you for writing and expressing your concern regarding your membership with Experian CreditWorksTM.
Our records indicate that you ordered a one dollar credit report along with trial membership. The membership was not cancelled; consequently, in accordance with the published terms of our...

offer, the credit card provided was charged our monthly membership fee on May 21, 2016. On May 22, 2016, your paid benefits were discontinued per your request. A Welcome email notification was sent to the email address you provided at the time of enrollment.
Our website describes the offer and the order form details the terms and conditions of the offer, including billing at the end of the trial and monthly thereafter unless and until the customer notifies us of their wish to discontinue. The consumer agrees to these terms when submitting their order.
We have, as a courtesy, issued a refund of the monthly fee, an amount totaling $21.95, on May 24, 2016. Please Allow 3 - 5 business days for these funds to process to the credit card account. (It is also important to note that this refund should appear on your next credit card statement.)
At this time we would like to express our regret that your experience with CreditWorksTM may not have met your expectation or our standard of excellence. We feel it is important to keep the consumer informed regarding the ordering process. The following disclosure is also displayed on the order form, in close proximity to where your credit card information is entered:
PAYMENT INFORMATION
When you order your $1 Credit Report and FICO® Score here, you will begin your 7-day trial membership in Experian CreditWorks™. You may cancel your trial membership at any time within 7 days without charge. If you decide not to cancel, your membership will continue and you will be billed for just $21.95/month, for each month that you continue your membership. You may cancel your membership and stop the monthly billing by contacting us at any time; however, you will not be eligible for a pro-rated refund of your current month's paid membership fee.
We apologize for any misunderstanding or inconvenience. As a consumer you are indeed entitled to receive a free individual credit report from the credit reporting companies under the Fair Credit Reporting Act, dependent on certain requirements, or under the FACTA laws. To submit a request under the FCRA via Experian, please call 1-888-397-3742. For reports requested under the auspices of FACTA, please go to www.annualcreditreport.com.
However, ConsumerInfo.com(R) is not a credit bureau, and our online credit reports are premium products requiring the applicable fee listed on each respective order form.
We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with Experian CreditWorksSM.  Our records indicate that you ordered a one dollar credit report along with a trial membership on July 27, 2016.  The membership was not cancelled; consequently, in accordance with the...

published terms of our offer, the credit card provided was charged our monthly membership fee on August 4, 2016.  A Welcome email notification was sent to the email address you provided at the time of enrollment. Per your request, your paid benefits will cease, effective September 3, 2016.  You will continue to have access to your Experian(R)  credit report and FICO(R)Score, once every 30 days, at no charge to you. Our website describes the offer and the order form details the terms and conditions of the offer, including billing at the end of the trial and monthly thereafter unless and until the customer notifies us of their wish to discontinue. The consumer agrees to these terms when submitting their order.  We have, as a courtesy, issued a refund totaling $21.95 on August 10, 2016.  Please Allow 3 - 5 business days for these funds to process to the credit card account.At this time we would like to express our regret that your experience with Experian CreditWorksSM may not have met your expectation or our standard of excellence.  We feel it is important to keep the consumer informed regarding the ordering process. Our website displays the following disclosure on our product landing page:IMPORTANT INFORMATION When you order your $1 Credit report and FICO® Score 8, you will begin your 7-day trial membership in Experian CreditWorksSM. If you don't cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may easily cancel your trial membership online anytime within the trial period without charge.We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with CreditReport.com™.Our records indicate that you enrolled with CreditReport.com™ on November 15, 2013, and followed by a request to cancel the membership on January 27, 2015.  At the time of cancellation, a one...

month courtesy refund was issued for $29.95.Customer satisfaction is our priority, as a courtesy we have issued a refund of $329.45, on January 28, 2015 for a total of $359.40.  Please allow 3 - 5 business days for these funds to process to your credit card account.  It is also important to note that this refund should appear on your next credit card statement.At this time we would like to express our regret that your experience with CreditReport.com™may not have met your expectation or our standard of excellence.  We feel it is important to keep the consumer informed regarding the ordering process.  Our website displays the following disclosure at sign up:IMPORTANT INFORMATION:When you order your $1 Credit Reports and FREE Scores here, you will begin your 7-day trial membership in CreditReport.com. If you don't cancel your membership within the 7-day trial period*, you will be billed $24.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.Please be advised that the price disclosed when you subscribed was $29.95.We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
The response claims that fine print noted that I'd be charged $39.95 for a credit report and $21.95 per month for some sort of service, yet the entire site claims in numerous place and large type that $1 gives you access to your score and report.  I interpreted this sale to be $1 for my credit report.  I did not want, nor did I use any other services.  They can't have it both ways, the report can't be both $1 and $39.95 simultaneously.  This site is intentionally deceptive and I am not responsible for deliberately misleading sales techniques.
Regards,
[redacted]

Thank you for writing and expressing your concern regarding your membership with Experian Credit TrackerSM.Our records indicate that you ordered a credit report along with a membership in Experian Credit TrackerSM on April 26, 2016. A welcome email notification was sent to the email address you...

provided at the time of enrollment. The membership was not cancelled; consequently, in accordance with the published terms of our offer, the credit card provided was charged our monthly membership fee on May 26, 2016.  We received notification from you to cancel the membership on August 10, 2016.Our website describes the offer and the order form details the terms and conditions of the offer, including the introductory price of $4.95 for the first month and continued billing of $21.95 for each month thereafter unless and until the customer notifies us of their wish to cancel. The customer agrees to these terms when submitting their order.At this time we would like to express our regret that your experience with Experian Credit TrackerSM may not have met your expectation or our standard of excellence.  We feel it is important to keep the consumer informed regarding the ordering process.  Our website displays the following disclosure on our product landing page:* Introductory price of $4.95 for your first month of access, then just $19.95 each additional month. Cancel anytime if not satisfied.The following disclosure is also displayed on the order form, in close proximity to where your credit card information is entered:PAYMENT INFORMATION When you order your Credit Report and FICO Score here, you will begin your membership in Experian Credit TrackerSM. Your credit card will be charged an introductory rate of $4.95 for the first month of your membership. After the first month, you will be charged $19.95 for each month you continue your membership. If you are not satisfied, you can cancel by CONTACTING US at any time to discontinue the membership and stop the monthly billing; however, you will not be eligible for a pro-rated refund of your current month’s paid membership fee. Please note that the price disclosed when you subscribed was $21.95.Customer satisfaction is our priority, as a courtesy we have issued a refund of $70.80 on August 10, 2016.  Please allow 3 - 5 business days for these funds to process to your credit card account.We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with Experian Credit TrackerSM.
Our records indicate that you enrolled with Experian Credit TrackerSM on February 10, 2015 and followed by a request to cancel the membership on February 19, 2015. A welcome email...

notification was sent to the email address you provided at the time of enrollment.
Customer satisfaction is our priority, as a courtesy we have issued a refund of $21.95 on February 20, 2015. Please allow 3 - 5 business days for these funds to process to your credit card account. It is also important to note that this refund should appear on your next credit card statement.
At this time we would like to express our regret that your experience with Experian Credit TrackerSM may not have met your expectation or our standard of excellence. We feel it is important to keep the consumer informed regarding the ordering process. Our website displays the following disclosure at sign up:
Important information:
When you order your $1 Credit Report & FICO® Score, you will begin your 7 day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7 day trial period*, you will be billed $21.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.
We appreciate the time you took to send us your comments and suggestions. We value the input from our customers, and assure you we will give serious consideration to the issues you presented to us. It is through information provided by customers such as you that we are able to improve our products and memberships.
We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with Experian CreditWorksSM.   Our records indicate that you ordered free Experian CreditWorksSM Basic membership on August 2, 2016.  Then on September 8, 2016 you updated to the Experian CreditWorksSM membership...

for $4.95, plus tax, for the first month and $19.95 for each month following.  The membership was not cancelled; consequently, in accordance with the published terms of our offer, the credit card provided was charged our monthly membership fee on November 8 and December 15, 2016 and January 12, 2017. A welcome email notification was sent to the email address you provided at the time of enrollment. Per your phone request, your paid benefits will cease, effective February 7, 2017. You will continue to have access to your Experian(R) Credit Report and FICO(R) Score once every 30 days, at no charge to you. Our website describes the offer and the order form details the terms and conditions of the offer, including billing at the end of the trial and monthly thereafter unless and until the customer notifies us of their wish to discontinue. The consumer agrees to these terms when submitting their order. We have, as a courtesy, issued a refund of $21.55 on January 12, 2017 and an additional refund totaling $64.65 on January 19, 2017.  Please allow 3 - 5 business days for these funds to process to the credit card account. At this time we would like to express our regret that your experience with Experian CreditWorksSM may not have met your expectation or our standard of excellence.  We feel it is important to keep the consumer informed regarding the ordering process. Our website displays the following disclosure on our product landing page: Introductory price of $4.95 for your first month of access, then just $19.95 each additional month. Cancel anytime if not satisfied. The following disclosure is also displayed on the order form, in close proximity to where your credit card information is entered: PAYMENT INFORMATION When you order your Credit Report and FICO(R) Score here, you will begin your membership in Experian CreditWorksSM. Your credit card will be charged an introductory rate of $4.95, plus $.40 sales tax for a total of $5.35, for the first month of your membership. After the first month, you will be charged $19.95, plus $1.60 sales tax for a total of $21.55, for each month you continue your membership. If you are not satisfied, you can cancel by contacting us at any time to discontinue the membership and stop the monthly billing; however, you will not be eligible for a pro-rated refund of your current month's paid membership fee. We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with Experian Credit TrackerSM. Our records indicate that you enrolled with Experian Credit TrackerSM on March 27, 2015, and followed by a request to cancel the membership with this complaint file on November 1, 2017.  ...

Customer satisfaction is our priority; as a courtesy we have issued a refund of $49.98 on November 3, 2017.  Please allow 3 - 5 business days for these funds to process to your credit card account.  Our website describes the offer and the order form details the terms and conditions of the offer, including billing at the end of the trial and monthly thereafter unless and until the customer notifies us of their wish to cancel.  The customer agrees to these terms when submitting their order. We apologize for any inconvenience our hold times caused you.  We appreciate the time you took to send us your comments and will take this feedback into consideration as we continue to improve.  We hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with CreditCheck(R) Total.Our records indicate that you enrolled with CreditCheck(R) Total on August 1, 2016, and followed by a request to cancel the membership on August 15, 2016.  A welcome email notification was sent...

to the email address you provided at the time of enrollment.Customer satisfaction is our priority, as a courtesy we have issued a refund of $29.95 on August 16, 2016.  Please allow 3 - 5 business days for these funds to process to your credit card account.  At this time we would like to express our regret that your experience with CreditCheck(R) Total may not have met your expectation or our standard of excellence.  We feel it is important to keep the consumer informed regarding the ordering process.  Our website displays the following disclosure on our product landing page:IMPORTANT INFORMATION When you order your $1 3-Bureau Credit Report & FICO® Scores, you will begin your 7-day trial membership in CreditCheck® Total. If you don't cancel your membership within the 7-day trial period**, you will be billed $29.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge. We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.