Initial Business Response /* (1000, 5, 2014/09/11) */
Our records indicate that on 9/6/an account under the email address of ***@gmail.com was createdThe first notification of this consumer wanting to cancel is this Revdex.com complaint
on 9/11/the account has been closed
and no further credit inquiries will be performedAn email informing the consumer that his account is not longer at Credit.com has been sent as well as our privacy security policies
Thank You
Initial Consumer Rebuttal /* (3000, 7, 2014/09/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I am still receiving emails from Credit.comI received an email regarding my account on 9/13/and another email on 9/14/If my account has been closed, why am I still receiving emails?
Initial Business Response /* (1000, 5, 2014/06/06) */
On 5/13/Mr *** opened an account at Credit.com under the email address ***@gmail.comCredit.com offers consumers a free Credit Report Card based on their Experian credit fileWe also have partners on our
site that offer consumers paid products for things such as credit reports, credit scores, and credit monitoringOur records also indicate that on 5/13/he requested a paid membership as wellWhat I am not finding in our system is any record of a ticket requesting cancellation
At this time I have gone and cancelled his Credit.com account, however in order to cancel the paid membership with one of our partners he will need to contact them directly as we do not have access to their records nor the ability to stop a membershipI emailed Mr*** and I have supplied him with contact numbers for his convenience
I have also created a ticket in our system requesting cancellation and he will be receiving an addition email confirmation
Initial Consumer Rebuttal /* (3000, 7, 2014/06/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
As per our email conversation between Credit.com company representative *** ***:
*** ***
Jun (days ago)
to me
Mr***,
I received a Revdex.com complaint in my email today regarding your Credit.com accountOur records indicate that on 5/13/you opened an account under the email address ***@gmail.comCredit.com offers consumers a free Credit Report Card based on your Experian credit fileWe also have partners on our site that offer consumers paid products for things such as credit reports, credit scores, and credit monitoringOur records also indicate that on 5/13/you requested a paid membership as wellWhat I am not finding on our system is any record of a ticket requesting cancellationAt this time I have gone and cancelled your Credit.com account, however in order to cancel your paid membership with one of our partners you will need to contact them directly as we do not have access to their records nor the ability to stop a membership
I apologize for the confusion and I have included contact numbers for your convenience
For Creditreport.com, call X-XXX-XXX-XXXX
For Identity Guard, call XXX-XXX-XXXX
I have created a ticket in our system requesting cancellation and you will be receiving an addition email confirmation
If you have any other concerns, please feel free to email me backAgain, we apologize for any inconvenience
*** ***
Jun (days ago)
to ***
I have already cancelled them; what was sent from your website on 5/17/was a request to cancel services and/or instructions how to do soI had never received a replyTwo weeks (and paying a charge I had attempted to opt out of) seemed to be sufficient enough timeAfter the attempt had not been replied to I had contacted the Revdex.com so future consumers would hopefully not fall privy to your lackluster customer service and attempt to recover losses incurred due to your company
I do hope that your company addresses said grievances that have not been addressed to date
*** ***
Jun (days ago)
to me
Hello,
As long as you have contacted and cancelled the paid memberships with our partners you should not be charged in the futureIf you do see a charge, you would need to contact them in regards to a refund
Thank you for your response,
*** ***
Credit.com
*** ***
5:PM (minutes ago)
to ***
Please address the contents of the email sent; what was said that has not yet been addressed is that "I have already cancelled them; what was sent from your website on 5/17/was a request to cancel services and/or instructions how to do soI had never received a replyTwo weeks (and paying a charge I had attempted to opt out of) seemed to be sufficient enough time."
Failure to address said issue will result in continuation in the Revdex.com review process
Initial Business Response /* (1000, 5, 2014/09/12) */
On 9/10/Mr *** created an account under the email address ***@aol.com in order to obtain his free Experian Credit Report CardUpon requesting the information from Experian, which we were unable to furnishExperian has
reported to us that the information you provided may be associated with fraudDue to safety and security of the consumer, we are not permitted to disclose what information was inaccurateAn email was sent to the consumer informing him of the situation and suggesting he contact the bureau directly, while providing both email and phone contact information
A short time later *** wrote in again stating:
"this site seems to be a scamI am submitting it to the FBI Cyber Crimes Unit for investigation."
At that time his account was closed and another email informing him of this was also sentMr *** no longer has an account at Credit.com
Initial Business Response /* (1000, 5, 2014/12/10) */
Hello ***,
I want first to assure you that your account has been closed as you requestedWe strive to be as responsive as possible, but please understand that our customer support team operates only during Pacific time business
hours, as we wrote in our automated response to your first email at 2:AM yesterdayBy AM, we had received two additional requests, and we do apologize if you were unsatisfied with our replies to those, asking you to review the instructions we emailed you in response to your first request
You can always reach out to our customer support team at ***@credit.comYou also may want to refer to our customer support website at credit.zendesk.com, where you can get answers to our most frequently asked questionsHope that helps
Sincerely,
~The Credit.com team
Initial Consumer Rebuttal /* (3000, 7, 2014/12/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Would really like to know for sure that they have closed my accountReally would appreciated a confirmation or an email stating my account is closedWill they be able to contact me
Final Business Response /* (4000, 9, 2014/12/12) */
Hello ***,
Your account is closed, as you requestedYour account was closed on December We informed you that day that the account was closed, by emailWe also informed you that day that it was closed, in our response to your complaint at the Revdex.com
If you have any questions, please feel free to contact us at our customer support site at https://credit.zendesk.comYou are welcome to review our terms and conditions and privacy policy, which are published on our website at credit.com/terms and credit.com/privacy
Sincerely,
~The Credit.com team
I signed up with credit.com because of the ability to look at my credit standing for freeThat part is legitimateYou can look up a general snapshot of your credit standing, that isn't wholly accurate, and is based on a score they came up withThey actually have my credit score as better than it actually is on their siteIt's a free service, you get what you pay for
Credit.com called me the following day, and told me they could help me with my creditThe lady I spoke to was quick to tell me about *** *** *** and how they can dispute inaccurate entries on my creditWhen I questioned this, stating that nothing on my credit is inaccurate, she said *** *** might be able to get it off my credit anyway, and then quickly transferred me through to *** ***, which turns out to be a scam service
Thank you Credit.com for participating in an attempt to part me with money I don't have, which you could obviously see from accessing my information on your siteI have cancelled my account with you and every service connected with you
Initial Business Response /* (1000, 5, 2015/02/10) */
Hello ***,
Thank you for contacting Credit.com customer support
You have obtained your Credit Report Card from Credit.comThis is a completely free service and you will not be charged for utilizing itApproximately every
days you will receive an email informing you that you have an updated Credit Report Card ready to be viewedThis is a great way keep an eye on your credit file - for free
I have canceled your membership as you requested, but you are welcome to sign up again at any time
Credit.com has several partnerships with other credit reporting and monitoring companies, that are available for purchase through our siteIf you sign up for one of these, that company may charge you for their servicesAt present, our records do not indicate that you have purchased anything from them
Because we are a free service, Credit.com does not provide telephone support, though you are always welcome to contact our Customer Support Center online at http://support.credit.com or by email at ***@credit.com
We provide a free public service of education and information, both through our individualized Credit Report Card and through our blog, where our experts write articles daily about the world of credit and financeI hope you continue to find this free service useful and valuable
Thank you for using Credit.com and please let us know how we can improve to continue serving your credit needs, or if you have any other questions as we would be glad to assist you however we can!
Sincerely,
~The Credit.com Team
In April I opted in on the one week trial service on credi*** and I put in my debit card to pay $dlr for the trial week at the end of the week I called and cancel the account just like they tell you to do and months later they are stil hitting my debit card with a $
charge per monthEvery month I call and they promise that I will see a refund on my bank account the next day or two but it does not happen I will not ever do business with them again
this site offers a free look at your actual Experian credit score It never asks for a credit card number when you create an account I entered my email, created a password, put in some personal info to prove it was really me and BAM, there was my score and even suggestions of how to improve my score I am confused as to why there are customer complaints against *** for charges made to a credit card when they never even ask for a credit card number when you create the account Overall, a very easy, non-threatening experience five out of five stars!
Initial Business Response /* (1000, 5, 2015/05/28) */
To whom it may concern,
We do see that this user had contacted us to cancel his paid membership with the credit monitoring service CreditReport.com, which advertises their product on our siteWe received this e-mail on May 20,
at 7:a.mPSTWe have not received any correspondence from this user before that date and time
Since the user requested to cancel his paid membership, he was sent an automated e-mail with the proper phone numbers to call based on whomever he purchased a paid membership with, since although we Credit.com advertise paid memberships for credit monitoring services on our site, we do not have access to this user's account with that companyTherefore, he should have been able to either call any of the numbers for paid memberships advertised on our site in order to cancel his membership with them
We see that the user then sent us another e-mail, explaining that he would contact the Revdex.com if we did not help him cancelLess than three hours later, our support team was able to respond to his e-mailWe notified the user of why we sent him the previous e-mail, and we sent him the phone number for cancelling his paid membership again
If the user would like a refund or would still like to cancel his membership, he will need to contact the company whose phone number we sent him, because Credit.com does not have access to his account with them, nor have we even obtained his credit card billing information
Regarding the difference that this user has seen with his scores from each of the three credit bureaus in contrast to his monitoring service that he purchased with a company which advertises on our site: there are many different scoring models across each of the three major credit bureaus that can be used for different purposes, and take into account different information, for exampleAlso, scores seen at one point in time based on the consumer's current credit information might be different than scores seen at a different point in time based on the consumer's credit information at that point in timeThese are some reasons why a credit score seen from one credit bureau using a particular scoring model at a specific point in time may be different than another score seen elsewhere for the same consumer
Although Credit.com does not have a support phone number at this time, the best way to reach Credit.com is by e-mail, or by filling out a ticket at https://support.credit.com/hc/en-us/requests/new
Thank you,
Initial Business Response /* (1000, 5, 2014/04/30) */
Upon review of our records, we never received a request from Mr*** to cancel his Credit.com accountUpon receipt of this complaint today, his account was closed and he was sent a confirmation email notifying him that the account has
been closedWe do not store any personal information on our system
Initial Consumer Rebuttal /* (3000, 7, 2014/05/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I HAVE NOT GOTEN A RESPONSE FROM CREDIT.COM AS OF 05/1/AT 8.30AM
Final Business Response /* (4000, 9, 2014/05/02) */
I have attached a copy of the cancellation confirmation email that was sent to Mr*** on 4/30/His account is closedI have forwarded it to him again
Initial Business Response /* (1000, 6, 2015/05/12) */
To whom it may concern,
We believe this user's recollection of e-mail and form submissions to our website at Credit.com match closely to our records. Also, it is our understanding that the user's paid membership cancellation was...
somehow not completed at the original date of the first request. Because this user has proof that she tried to cancel her paid membership before being charged again, we have refunded her the extra payment.
Both of her memberships (with Credit Detect and Credit.com) have now been canceled, and she should receive no further charges. She may already be able to see her refund in her bank statement, as our refund process takes approximately 72 hours.
We are working to find out more about why this error occurred, and what can be done to prevent this case in the future. We assure our users and all consumers that this is a rare case, as we take pride in giving our users a great experience.
Thank you,
-The Credit.com Team
Initial Consumer Rebuttal /* (2000, 8, 2015/05/12) */
[redacted]
5-12-15
Sent via email:
My issues have been resolved due to my continued persistence. I still think the company's practices are shady and questionable. They did nothing to follow up or help resolve my complaint, nor have I received a reply from them yet in regards to my concerns.
Initial Business Response /* (1000, 5, 2014/02/25) */
After reviewing our records, we can see that Mr. [redacted] requested to delete an account at Credit.com by submitting a ticket request on Nov. 7, 2013. In Jan. 2014 it was discovered that our system was automatically deleting tickets...
within 72 hours, hence how Mr. [redacted]'s ticket was closed & deleted without receiving a response. Since this discovery our system has been updated to hold all tickets for an 8 day period.
The next ticket request received from Mr. [redacted] was received on Feb. 23, 2014 to close out the same account. This ticket was fulfilled and an email automatically sent out to Mr. [redacted] on Feb. 24, 2014. In that email Mr. [redacted] was informed that his Credit.com account was closed and was given a list of contact phone numbers to partners on our site who provide additional products. Also in that email he was given instructions to call them directly to cancel any possible memberships they might have with those companies due to the fact that Credit.com does not have access to their records/accounts.
At this point and time, his account with Credit.com has been closed, he no longer has access and we no longer hold any of his personal information.
Initial Business Response /* (1000, 5, 2015/05/26) */
To whom it may concern,
We thank you for your patience with this situation, and we are sorry about any inconvenience this may have caused. Your Credit Detect^TM membership has now been cancelled, and your refund is now being...
processed. You should see your refund in your bank statement by the end of the business day on Monday, June 1, 2015. We are sorry about any inconvenience, as we see proof that you requested to cancel your paid subscription before your account was charged again. Again, we thank you for your patience, and you should not be charged again.
Thank you for visiting Credit.com.
-The Credit.com Team
Initial Business Response /* (1000, 5, 2015/04/15) */
To whom it may concern,
We are sorry about any inconvenience you may have experienced, and would like to respond to your inquiry about your experience with Credit.com.
First, we do not provide phone support at Credit.com, however we...
do provide a way for users to contact us shown on this page: http://www.credit.com/contact/
The quickest way to fill out a support ticket is to click on "Support" on the left-hand side of the page, and fill out the subsequent form that appears. Once we receive a user's support ticket, we are able to respond directly to them via e-mail to meet the user's needs.
In response to the user's initial support ticket, this user selected the option to cancel a paid membership when filing a ticket. We then sent an automated message to this user with information about paid memberships, that can be purchased through Credit.com's website and with our partners, and the user seems to have tried to cancel the account with them by signing in. We will need to contact this user via e-mail to help guide them to the appropriate company that they want to cancel with, and make sure the user is able to get into their paid account with whomever they purchased with before they cancel. Although we are Credit.com and we only have access to this user's free account with us, and we therefore do not have access to a user's paid membership account that can be purchased through an advertisement on our site, we will be glad to assist this user how we can.
Next, the reason this user was unable to log in to the free account created with Credit.com is because Experian tells us they have either: not received credit information for this user from the past 6 months; or that Experian has not received notice that this user has a credit line that is older than 6 months. This message was displayed to the user after they tried to log in to their free account with us. On the page that they were sent to, users can click on the same "Support" link as the one from the Contact page that is on the left-hand side of the screen. To deal with this issue, the user may need to contact Experian, and we will gladly assist them with this via e-mail as we regularly do. However, we at Credit.com are not able to add, change, or remove anything from this user's Experian credit file.
In response to this user's stated desired resolution, we will be reaching out to this user to make sure that they are able to speak with the company which they may have purchased a paid membership with, and that they are able to take the appropriate steps to cancel their account and receive confirmation of such.
Initial Business Response /* (1000, 5, 2014/08/06) */
This Revdex.com letter of complaint is the first request received by [redacted]. After searching our database, there does not appear to be any sort of written request of cancellation.
At this time his account has been closed, he has been...
notified by email at [redacted]@netzero.com.
Thank You,
[redacted]
Initial Business Response /* (1000, 5, 2015/10/01) */
On September 25th, 2015 we were contacted by the consumer requesting that their paid account be closed and not be charged.
The charge in question occurred on September 20th.
The consumer has since been refunded that charge.
With...
the exception of communicating with potential fraud victims, Credit.com does not operate telephone based [redacted] service for account closure, and we have no record of this consumer speaking with any Credit.com [redacted] service representative.
Initial Business Response /* (1000, 8, 2015/08/24) */
This complaint was addressed immediately after it was received on 8/6/2015. The [redacted] was contacted directly by phone and informed that Credit.com does not take or keep any telephone records on its customers. Furthermore, [redacted]...
[redacted]@Revdex.comemail.org) at the Revdex.com was contacted immediately after the phone call and informed us via email that this would be resolved and the complaint would be removed from our Revdex.com profile.
Initial Business Response /* (1000, 5, 2015/11/09) */
After a deep and thorough search throughout our [redacted] tracking system we were unable to find any record of this consumer contacting Credit Detect [redacted].
We have since refunded any and all charges that occurred during the...
month of or after the consumer's initial request to have the account closed.
Initial Consumer Rebuttal /* (2000, 7, 2015/11/15) */
(The consumer indicated he/she ACCEPTED the response from the business.)
It does show that Credit.com refunded my account for the 3 months.
Like I already mentioned, add functionality on your website to let consumers to securely cancel their service from your website instead of having them to call your office for that for 2 main reasons.
1) If the consumer cancel their service by themselves without having to call your office, the service should be cancel effectively and a record will be available. For example, the first employee I spoke to probably was lazy, feel pressured, or just having fun on the job by just telling the consumer what he wants to hear. "The account has been cancelled", but never really did anything.
2) Security and privacy. This part is the most important the first. I believe it's a violation of privacy when your employees have access to consumers credit report. The authentication should be what the consumers entered on credit.com website when joining, not information related to your credit report. The information could be the consumer's name, address, email address, phone number, security question(s) the consumer TYPED when joining the program.
Credit.com should be asking any questions that are not related to that. For example, when [redacted] asked me question about my address, I gave her my correct address, which is the one I used when joining the program, but she said it's not the correct one that she has, because my old address was still on my credit report. She shouldn't have access to that information at all. Information related to where my nearest siblings live (except if I use it as security question), the approximation of a loan I'm paying, social security number, or any other information that are from my credit report.
Initial Business Response /* (1000, 5, 2015/03/23) */
To whom it may concern,
We would like to address the two main issues from this complaint: first, that we will not let a user cancel an account; and second, that we act like we have nothing to do with companies which advertise their...
services on our site.
In response to his first complaint:
On Tuesday March 17, 2015, at 6:17 p.m. PST (after our Support office hours), this user sent us a request through which he selected to cancel his recurring payments. An automated message was sent back to him from us which provided him with contact information for cancelling his paid membership with our partners which advertise their products on our site. He then sent back another message within the same hour asking to cancel his free account, since he stated that he only signed up for a Credit.com free account and has not entered his billing information anywhere on or through our website. Once more, on this day at 7:08 p.m. PST, this user requested to cancel his account with us, and stated that he did not care if it was paid or free.
The next day, on Wednesday March 18, 2015 at 11:36 a.m. PST (during the beginning of our Support office hours), we sent this user information for cancelling his free account with us. This includes a hyperlink to a survey which must be completed, and when we are notified of a user's completion of the survey, we then deactivate the user's account. Later that evening, at 10:12 p.m PST, this user sent us another separate request to cancel his account. Then, this user completed our cancellation survey, which we sent him earlier that morning, for his free account. He completed this survey twice for the same user account: once at 10:34 p.m. PST and once at 10:39 p.m. PST.
Then, on Thursday March 19, 2015, before we checked our cancellation database, we sent him another e-mail response to his latest e-mail from the night prior, this time reiterating the full cancellation details of both his free account and potential paid accounts. Then, after checking our cancellation database, his free account with us at Credit.com was manually deactivated at 5:51 p.m. PST.
In response to his second complaint:
Credit.com has partnerships with particular companies which advertise paid memberships through our site. Since Credit.com Support does not have access to user's accounts with these partner companies, we refer a user who wants to cancel a paid membership to the appropriate support team for whichever company may have charged the user for their services. We provide detailed instructions for a user to cancel their potential paid membership with one of our partner companies. Through these means, any user is able to cancel any service that was created directly or through advertisements on our website.
This user was provided with all of the appropriate information for cancelling either a free or paid membership, or both. His account was cancelled less than 24 hours after his two cancellation request surveys were submitted. We do not have record that he signed up for a paid membership through an advertisement on our website, but have provided him with all of the appropriate information to do so. If his wife has a separate account with Credit.com, or any paid memberships, she can submit a cancellation request at any time and will receive the appropriate cancellation information as it pertains to her. Once she completes the appropriate account deactivation information for her free user account at Credit.com, we will deactivate her account.
We are sorry about any inconvenience or confusion this may have caused, and assure our users that we provide the appropriate cancellation information to whomever of our users wishes to close their paid or free accounts with either Credit.com or any of our partner services.
Initial Consumer Rebuttal /* (2000, 7, 2015/03/24) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I want the link to cancel to be posted publicly and I want them to stop signing you up for trials that they cannot cancel.
They eventually canceled my account. However, I have a big problem with how they do business and this is why I was so adamant in canceling my account in the first place, even though it was free. Why is there no phone number to call to cancel? Why is there nowhere to cancel on the web site? Why do they have the email to get a hold of anyone buried in their website under 5 links? They make it so inconvenient for your to cancel they are hoping you will just give up.
Next, things didn't happen as they say it did. I sent them an email telling them that I wanted to cancel all of my accounts paid or free. They sent me an email back saying, don't worry about it it is free, but if it is not free, we don't have anything to do with it. I tried to respond to the email but it wouldn't let me. So I had to go searching through their website again, through a maze of links, to email again. They responded to my second email, it is free don't worry about it, but if it is paid we can't cancel it. I emailed them a third time, after navigating their maze of links, threatening to contact the Revdex.com, and that is when they sent me a link to cancel my account. They try to trap you and hope you will just give up. The link to cancel needs to be posted publicly so that anyone that wants to cancel can do so.
Finally, it is ridiculous that they get away with signing you up for a free 7 day trial period, saying you can cancel at any time, and then when you try to cancel, at the place you signed up for it at, they say they can't do it because it is a different company. If they can't cancel your free trail then they shouldn't be allowed to sign you up for one. It is complete [redacted]. It is another web of inconvenience trying to get you to give up and hand over your money.
Initial Business Response /* (1000, 5, 2014/12/04) */
Thank you for contacting Credit.com customer support. Please understand that Credit.com did not collect your payment information, we have not charged you for any services, indeed we do not even have a merchant account for charging for...
services.
PLEASE READ THIS RESPONSE IN ITS ENTIRETY
* We understand that you wish to cancel a paid membership with one of our partners such as CreditReport.com or IdentityGuard. Please understand that Credit.com is a different company and does not have access to your account at our partner companies. You will need to contact them directly to cancel. This information is also available on our Customer Support site at https://zendesk.credit.com/hc/en-us/articles/XXXXXXXXX-Stop-charging-my-card-
* For CreditReport.com, please call X-XXX-XXX-XXXX
* For Identity Guard, please call XXX-XXX-XXXX
If you can't remember which of our partners provided you with your credit report service, we recommend checking your email account to find your confirmation from the partner company.
* Credit.com is the only FREE product of its kind designed by leading credit experts committed to helping you understand and master the confusing world of credit. It includes a truly free, no-strings credit score, credit report card, personalized step-by-step action plan and actionable expert advice. Your FREE Credit.com account remains active for your use.
Thank you for using Credit.com and please let us know how we can improve to continue serving your credit needs!
Sincerely,
~ The Credit.com Team
Initial Consumer Rebuttal /* (3000, 9, 2014/12/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The company charges a dollar for a credit report and allows you to cancel at any time. This is not really true.
#1: "The Company" cannot be contacted by phone, and in fact may not be the actual vendor of this service
#2) As I inserted above, the Company refers you to one of its "Partner Companies" if you wish to cancel: PLEASE READ THIS RESPONSE IN ITS ENTIRETY
* We understand that you wish to cancel a paid membership with one of our partners such as CreditReport.com or IdentityGuard. Please understand that Credit.com is a different company and does not have access to your account at our partner companies. You will need to contact them directly to cancel. This information is also available on our Customer Support site at https://zendesk.credit.com/hc/en-us/articles/XXXXXXXXX-Stop-charging-my-card-
* For CreditReport.com, please call X-XXX-XXX-XXXX
* For Identity Guard, please call XXX-XXX-XXXX
#3) These partner companies could not find me in their system for payment purposes.
#4) I am afraid that the company may keep billing me. I will see what happens.
This is not a good way to run a business. This company seems to be running a sales page Front and claims to pass on billing to "partner companies."
The partner companies then have no knowledge of my billing or identity.
Final Business Response /* (4000, 16, 2014/12/15) */
Hi [redacted],
I'm eager to help you resolve your complaint. I've read your complaint thoroughly several times, and here is what I understand from it.
You do not want to be charged for your free credit score at Credit.com.
We do not charge for providing your free credit score, nor for any other service.
You have no record of being charged by us, nor any other company.
We also have no record of you being charged by us, nor by any other company.
You are concerned that someone might bill you in the future.
We do not charge you for our services. We do not have your billing information.
Finally, though it is not explicit in your request, your request implies that you want to cancel your FREE Credit.com account. I have canceled your FREE account, but you may return to open a new account any time, free of charge.
I hope this answers your questions. Please feel free to reach out for support to [redacted]@credit.com, or through our Customer Support website at https://credit.zendesk.com.
Thank you for using Credit.com.
Final Consumer Response /* (2000, 18, 2014/12/17) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I hope you are right in your assertions that I will not be billed. But, your correspondence makes sense and is to the point.
Thank you
Initial Business Response /* (1000, 5, 2014/09/11) */
Our records indicate that on 9/6/an account under the email address of ***@gmail.com was createdThe first notification of this consumer wanting to cancel is this Revdex.com complaint
on 9/11/the account has been closed
and no further credit inquiries will be performedAn email informing the consumer that his account is not longer at Credit.com has been sent as well as our privacy security policies
Thank You
Initial Consumer Rebuttal /* (3000, 7, 2014/09/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I am still receiving emails from Credit.comI received an email regarding my account on 9/13/and another email on 9/14/If my account has been closed, why am I still receiving emails?
Initial Business Response /* (1000, 5, 2014/06/06) */
On 5/13/Mr *** opened an account at Credit.com under the email address ***@gmail.comCredit.com offers consumers a free Credit Report Card based on their Experian credit fileWe also have partners on our
site that offer consumers paid products for things such as credit reports, credit scores, and credit monitoringOur records also indicate that on 5/13/he requested a paid membership as wellWhat I am not finding in our system is any record of a ticket requesting cancellation
At this time I have gone and cancelled his Credit.com account, however in order to cancel the paid membership with one of our partners he will need to contact them directly as we do not have access to their records nor the ability to stop a membershipI emailed Mr*** and I have supplied him with contact numbers for his convenience
I have also created a ticket in our system requesting cancellation and he will be receiving an addition email confirmation
Initial Consumer Rebuttal /* (3000, 7, 2014/06/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
As per our email conversation between Credit.com company representative *** ***:
*** ***
Jun (days ago)
to me
Mr***,
I received a Revdex.com complaint in my email today regarding your Credit.com accountOur records indicate that on 5/13/you opened an account under the email address ***@gmail.comCredit.com offers consumers a free Credit Report Card based on your Experian credit fileWe also have partners on our site that offer consumers paid products for things such as credit reports, credit scores, and credit monitoringOur records also indicate that on 5/13/you requested a paid membership as wellWhat I am not finding on our system is any record of a ticket requesting cancellationAt this time I have gone and cancelled your Credit.com account, however in order to cancel your paid membership with one of our partners you will need to contact them directly as we do not have access to their records nor the ability to stop a membership
I apologize for the confusion and I have included contact numbers for your convenience
For Creditreport.com, call X-XXX-XXX-XXXX
For Identity Guard, call XXX-XXX-XXXX
I have created a ticket in our system requesting cancellation and you will be receiving an addition email confirmation
If you have any other concerns, please feel free to email me backAgain, we apologize for any inconvenience
*** ***
Jun (days ago)
to ***
I have already cancelled them; what was sent from your website on 5/17/was a request to cancel services and/or instructions how to do soI had never received a replyTwo weeks (and paying a charge I had attempted to opt out of) seemed to be sufficient enough timeAfter the attempt had not been replied to I had contacted the Revdex.com so future consumers would hopefully not fall privy to your lackluster customer service and attempt to recover losses incurred due to your company
I do hope that your company addresses said grievances that have not been addressed to date
*** ***
Jun (days ago)
to me
Hello,
As long as you have contacted and cancelled the paid memberships with our partners you should not be charged in the futureIf you do see a charge, you would need to contact them in regards to a refund
Thank you for your response,
*** ***
Credit.com
*** ***
5:PM (minutes ago)
to ***
Please address the contents of the email sent; what was said that has not yet been addressed is that "I have already cancelled them; what was sent from your website on 5/17/was a request to cancel services and/or instructions how to do soI had never received a replyTwo weeks (and paying a charge I had attempted to opt out of) seemed to be sufficient enough time."
Failure to address said issue will result in continuation in the Revdex.com review process
Initial Business Response /* (1000, 5, 2014/09/12) */
On 9/10/Mr *** created an account under the email address ***@aol.com in order to obtain his free Experian Credit Report CardUpon requesting the information from Experian, which we were unable to furnishExperian has
reported to us that the information you provided may be associated with fraudDue to safety and security of the consumer, we are not permitted to disclose what information was inaccurateAn email was sent to the consumer informing him of the situation and suggesting he contact the bureau directly, while providing both email and phone contact information
A short time later *** wrote in again stating:
"this site seems to be a scamI am submitting it to the FBI Cyber Crimes Unit for investigation."
At that time his account was closed and another email informing him of this was also sentMr *** no longer has an account at Credit.com
Initial Business Response /* (1000, 5, 2014/12/10) */
Hello ***,
I want first to assure you that your account has been closed as you requestedWe strive to be as responsive as possible, but please understand that our customer support team operates only during Pacific time business
hours, as we wrote in our automated response to your first email at 2:AM yesterdayBy AM, we had received two additional requests, and we do apologize if you were unsatisfied with our replies to those, asking you to review the instructions we emailed you in response to your first request
You can always reach out to our customer support team at ***@credit.comYou also may want to refer to our customer support website at credit.zendesk.com, where you can get answers to our most frequently asked questionsHope that helps
Sincerely,
~The Credit.com team
Initial Consumer Rebuttal /* (3000, 7, 2014/12/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Would really like to know for sure that they have closed my accountReally would appreciated a confirmation or an email stating my account is closedWill they be able to contact me
Final Business Response /* (4000, 9, 2014/12/12) */
Hello ***,
Your account is closed, as you requestedYour account was closed on December We informed you that day that the account was closed, by emailWe also informed you that day that it was closed, in our response to your complaint at the Revdex.com
If you have any questions, please feel free to contact us at our customer support site at https://credit.zendesk.comYou are welcome to review our terms and conditions and privacy policy, which are published on our website at credit.com/terms and credit.com/privacy
Sincerely,
~The Credit.com team
I signed up with credit.com because of the ability to look at my credit standing for freeThat part is legitimateYou can look up a general snapshot of your credit standing, that isn't wholly accurate, and is based on a score they came up withThey actually have my credit score as better than it actually is on their siteIt's a free service, you get what you pay for
Credit.com called me the following day, and told me they could help me with my creditThe lady I spoke to was quick to tell me about *** *** *** and how they can dispute inaccurate entries on my creditWhen I questioned this, stating that nothing on my credit is inaccurate, she said *** *** might be able to get it off my credit anyway, and then quickly transferred me through to *** ***, which turns out to be a scam service
Thank you Credit.com for participating in an attempt to part me with money I don't have, which you could obviously see from accessing my information on your siteI have cancelled my account with you and every service connected with you
Initial Business Response /* (1000, 5, 2015/02/10) */
Hello ***,
Thank you for contacting Credit.com customer support
You have obtained your Credit Report Card from Credit.comThis is a completely free service and you will not be charged for utilizing itApproximately every
days you will receive an email informing you that you have an updated Credit Report Card ready to be viewedThis is a great way keep an eye on your credit file - for free
I have canceled your membership as you requested, but you are welcome to sign up again at any time
Credit.com has several partnerships with other credit reporting and monitoring companies, that are available for purchase through our siteIf you sign up for one of these, that company may charge you for their servicesAt present, our records do not indicate that you have purchased anything from them
Because we are a free service, Credit.com does not provide telephone support, though you are always welcome to contact our Customer Support Center online at http://support.credit.com or by email at ***@credit.com
We provide a free public service of education and information, both through our individualized Credit Report Card and through our blog, where our experts write articles daily about the world of credit and financeI hope you continue to find this free service useful and valuable
Thank you for using Credit.com and please let us know how we can improve to continue serving your credit needs, or if you have any other questions as we would be glad to assist you however we can!
Sincerely,
~The Credit.com Team
In April I opted in on the one week trial service on credi*** and I put in my debit card to pay $dlr for the trial week at the end of the week I called and cancel the account just like they tell you to do and months later they are stil hitting my debit card with a $
charge per monthEvery month I call and they promise that I will see a refund on my bank account the next day or two but it does not happen I will not ever do business with them again
this site offers a free look at your actual Experian credit score It never asks for a credit card number when you create an account I entered my email, created a password, put in some personal info to prove it was really me and BAM, there was my score and even suggestions of how to improve my score I am confused as to why there are customer complaints against *** for charges made to a credit card when they never even ask for a credit card number when you create the account Overall, a very easy, non-threatening experience five out of five stars!
Initial Business Response /* (1000, 5, 2015/05/28) */
To whom it may concern,
We do see that this user had contacted us to cancel his paid membership with the credit monitoring service CreditReport.com, which advertises their product on our siteWe received this e-mail on May 20,
at 7:a.mPSTWe have not received any correspondence from this user before that date and time
Since the user requested to cancel his paid membership, he was sent an automated e-mail with the proper phone numbers to call based on whomever he purchased a paid membership with, since although we Credit.com advertise paid memberships for credit monitoring services on our site, we do not have access to this user's account with that companyTherefore, he should have been able to either call any of the numbers for paid memberships advertised on our site in order to cancel his membership with them
We see that the user then sent us another e-mail, explaining that he would contact the Revdex.com if we did not help him cancelLess than three hours later, our support team was able to respond to his e-mailWe notified the user of why we sent him the previous e-mail, and we sent him the phone number for cancelling his paid membership again
If the user would like a refund or would still like to cancel his membership, he will need to contact the company whose phone number we sent him, because Credit.com does not have access to his account with them, nor have we even obtained his credit card billing information
Regarding the difference that this user has seen with his scores from each of the three credit bureaus in contrast to his monitoring service that he purchased with a company which advertises on our site: there are many different scoring models across each of the three major credit bureaus that can be used for different purposes, and take into account different information, for exampleAlso, scores seen at one point in time based on the consumer's current credit information might be different than scores seen at a different point in time based on the consumer's credit information at that point in timeThese are some reasons why a credit score seen from one credit bureau using a particular scoring model at a specific point in time may be different than another score seen elsewhere for the same consumer
Although Credit.com does not have a support phone number at this time, the best way to reach Credit.com is by e-mail, or by filling out a ticket at https://support.credit.com/hc/en-us/requests/new
Thank you,
Initial Business Response /* (1000, 5, 2014/04/30) */
Upon review of our records, we never received a request from Mr*** to cancel his Credit.com accountUpon receipt of this complaint today, his account was closed and he was sent a confirmation email notifying him that the account has
been closedWe do not store any personal information on our system
Initial Consumer Rebuttal /* (3000, 7, 2014/05/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I HAVE NOT GOTEN A RESPONSE FROM CREDIT.COM AS OF 05/1/AT 8.30AM
Final Business Response /* (4000, 9, 2014/05/02) */
I have attached a copy of the cancellation confirmation email that was sent to Mr*** on 4/30/His account is closedI have forwarded it to him again
Initial Business Response /* (1000, 6, 2015/05/12) */
To whom it may concern,
We believe this user's recollection of e-mail and form submissions to our website at Credit.com match closely to our records. Also, it is our understanding that the user's paid membership cancellation was...
somehow not completed at the original date of the first request. Because this user has proof that she tried to cancel her paid membership before being charged again, we have refunded her the extra payment.
Both of her memberships (with Credit Detect and Credit.com) have now been canceled, and she should receive no further charges. She may already be able to see her refund in her bank statement, as our refund process takes approximately 72 hours.
We are working to find out more about why this error occurred, and what can be done to prevent this case in the future. We assure our users and all consumers that this is a rare case, as we take pride in giving our users a great experience.
Thank you,
-The Credit.com Team
Initial Consumer Rebuttal /* (2000, 8, 2015/05/12) */
[redacted]
5-12-15
Sent via email:
My issues have been resolved due to my continued persistence. I still think the company's practices are shady and questionable. They did nothing to follow up or help resolve my complaint, nor have I received a reply from them yet in regards to my concerns.
Thanks,
[redacted]
Initial Business Response /* (1000, 5, 2014/02/25) */
After reviewing our records, we can see that Mr. [redacted] requested to delete an account at Credit.com by submitting a ticket request on Nov. 7, 2013. In Jan. 2014 it was discovered that our system was automatically deleting tickets...
within 72 hours, hence how Mr. [redacted]'s ticket was closed & deleted without receiving a response. Since this discovery our system has been updated to hold all tickets for an 8 day period.
The next ticket request received from Mr. [redacted] was received on Feb. 23, 2014 to close out the same account. This ticket was fulfilled and an email automatically sent out to Mr. [redacted] on Feb. 24, 2014. In that email Mr. [redacted] was informed that his Credit.com account was closed and was given a list of contact phone numbers to partners on our site who provide additional products. Also in that email he was given instructions to call them directly to cancel any possible memberships they might have with those companies due to the fact that Credit.com does not have access to their records/accounts.
At this point and time, his account with Credit.com has been closed, he no longer has access and we no longer hold any of his personal information.
Initial Business Response /* (1000, 5, 2015/05/26) */
To whom it may concern,
We thank you for your patience with this situation, and we are sorry about any inconvenience this may have caused. Your Credit Detect^TM membership has now been cancelled, and your refund is now being...
processed. You should see your refund in your bank statement by the end of the business day on Monday, June 1, 2015. We are sorry about any inconvenience, as we see proof that you requested to cancel your paid subscription before your account was charged again. Again, we thank you for your patience, and you should not be charged again.
Thank you for visiting Credit.com.
-The Credit.com Team
Initial Business Response /* (1000, 5, 2015/04/15) */
To whom it may concern,
We are sorry about any inconvenience you may have experienced, and would like to respond to your inquiry about your experience with Credit.com.
First, we do not provide phone support at Credit.com, however we...
do provide a way for users to contact us shown on this page: http://www.credit.com/contact/
The quickest way to fill out a support ticket is to click on "Support" on the left-hand side of the page, and fill out the subsequent form that appears. Once we receive a user's support ticket, we are able to respond directly to them via e-mail to meet the user's needs.
In response to the user's initial support ticket, this user selected the option to cancel a paid membership when filing a ticket. We then sent an automated message to this user with information about paid memberships, that can be purchased through Credit.com's website and with our partners, and the user seems to have tried to cancel the account with them by signing in. We will need to contact this user via e-mail to help guide them to the appropriate company that they want to cancel with, and make sure the user is able to get into their paid account with whomever they purchased with before they cancel. Although we are Credit.com and we only have access to this user's free account with us, and we therefore do not have access to a user's paid membership account that can be purchased through an advertisement on our site, we will be glad to assist this user how we can.
Next, the reason this user was unable to log in to the free account created with Credit.com is because Experian tells us they have either: not received credit information for this user from the past 6 months; or that Experian has not received notice that this user has a credit line that is older than 6 months. This message was displayed to the user after they tried to log in to their free account with us. On the page that they were sent to, users can click on the same "Support" link as the one from the Contact page that is on the left-hand side of the screen. To deal with this issue, the user may need to contact Experian, and we will gladly assist them with this via e-mail as we regularly do. However, we at Credit.com are not able to add, change, or remove anything from this user's Experian credit file.
In response to this user's stated desired resolution, we will be reaching out to this user to make sure that they are able to speak with the company which they may have purchased a paid membership with, and that they are able to take the appropriate steps to cancel their account and receive confirmation of such.
Initial Business Response /* (1000, 5, 2014/08/06) */
This Revdex.com letter of complaint is the first request received by [redacted]. After searching our database, there does not appear to be any sort of written request of cancellation.
At this time his account has been closed, he has been...
notified by email at [redacted]@netzero.com.
Thank You,
[redacted]
Initial Business Response /* (1000, 5, 2015/10/01) */
On September 25th, 2015 we were contacted by the consumer requesting that their paid account be closed and not be charged.
The charge in question occurred on September 20th.
The consumer has since been refunded that charge.
With...
the exception of communicating with potential fraud victims, Credit.com does not operate telephone based [redacted] service for account closure, and we have no record of this consumer speaking with any Credit.com [redacted] service representative.
Initial Business Response /* (1000, 8, 2015/08/24) */
This complaint was addressed immediately after it was received on 8/6/2015. The [redacted] was contacted directly by phone and informed that Credit.com does not take or keep any telephone records on its customers. Furthermore, [redacted]...
[redacted]@Revdex.comemail.org) at the Revdex.com was contacted immediately after the phone call and informed us via email that this would be resolved and the complaint would be removed from our Revdex.com profile.
Initial Business Response /* (1000, 5, 2015/11/09) */
After a deep and thorough search throughout our [redacted] tracking system we were unable to find any record of this consumer contacting Credit Detect [redacted].
We have since refunded any and all charges that occurred during the...
month of or after the consumer's initial request to have the account closed.
Initial Consumer Rebuttal /* (2000, 7, 2015/11/15) */
(The consumer indicated he/she ACCEPTED the response from the business.)
It does show that Credit.com refunded my account for the 3 months.
Like I already mentioned, add functionality on your website to let consumers to securely cancel their service from your website instead of having them to call your office for that for 2 main reasons.
1) If the consumer cancel their service by themselves without having to call your office, the service should be cancel effectively and a record will be available. For example, the first employee I spoke to probably was lazy, feel pressured, or just having fun on the job by just telling the consumer what he wants to hear. "The account has been cancelled", but never really did anything.
2) Security and privacy. This part is the most important the first. I believe it's a violation of privacy when your employees have access to consumers credit report. The authentication should be what the consumers entered on credit.com website when joining, not information related to your credit report. The information could be the consumer's name, address, email address, phone number, security question(s) the consumer TYPED when joining the program.
Credit.com should be asking any questions that are not related to that. For example, when [redacted] asked me question about my address, I gave her my correct address, which is the one I used when joining the program, but she said it's not the correct one that she has, because my old address was still on my credit report. She shouldn't have access to that information at all. Information related to where my nearest siblings live (except if I use it as security question), the approximation of a loan I'm paying, social security number, or any other information that are from my credit report.
Initial Business Response /* (1000, 5, 2015/03/23) */
To whom it may concern,
We would like to address the two main issues from this complaint: first, that we will not let a user cancel an account; and second, that we act like we have nothing to do with companies which advertise their...
services on our site.
In response to his first complaint:
On Tuesday March 17, 2015, at 6:17 p.m. PST (after our Support office hours), this user sent us a request through which he selected to cancel his recurring payments. An automated message was sent back to him from us which provided him with contact information for cancelling his paid membership with our partners which advertise their products on our site. He then sent back another message within the same hour asking to cancel his free account, since he stated that he only signed up for a Credit.com free account and has not entered his billing information anywhere on or through our website. Once more, on this day at 7:08 p.m. PST, this user requested to cancel his account with us, and stated that he did not care if it was paid or free.
The next day, on Wednesday March 18, 2015 at 11:36 a.m. PST (during the beginning of our Support office hours), we sent this user information for cancelling his free account with us. This includes a hyperlink to a survey which must be completed, and when we are notified of a user's completion of the survey, we then deactivate the user's account. Later that evening, at 10:12 p.m PST, this user sent us another separate request to cancel his account. Then, this user completed our cancellation survey, which we sent him earlier that morning, for his free account. He completed this survey twice for the same user account: once at 10:34 p.m. PST and once at 10:39 p.m. PST.
Then, on Thursday March 19, 2015, before we checked our cancellation database, we sent him another e-mail response to his latest e-mail from the night prior, this time reiterating the full cancellation details of both his free account and potential paid accounts. Then, after checking our cancellation database, his free account with us at Credit.com was manually deactivated at 5:51 p.m. PST.
In response to his second complaint:
Credit.com has partnerships with particular companies which advertise paid memberships through our site. Since Credit.com Support does not have access to user's accounts with these partner companies, we refer a user who wants to cancel a paid membership to the appropriate support team for whichever company may have charged the user for their services. We provide detailed instructions for a user to cancel their potential paid membership with one of our partner companies. Through these means, any user is able to cancel any service that was created directly or through advertisements on our website.
This user was provided with all of the appropriate information for cancelling either a free or paid membership, or both. His account was cancelled less than 24 hours after his two cancellation request surveys were submitted. We do not have record that he signed up for a paid membership through an advertisement on our website, but have provided him with all of the appropriate information to do so. If his wife has a separate account with Credit.com, or any paid memberships, she can submit a cancellation request at any time and will receive the appropriate cancellation information as it pertains to her. Once she completes the appropriate account deactivation information for her free user account at Credit.com, we will deactivate her account.
We are sorry about any inconvenience or confusion this may have caused, and assure our users that we provide the appropriate cancellation information to whomever of our users wishes to close their paid or free accounts with either Credit.com or any of our partner services.
Initial Consumer Rebuttal /* (2000, 7, 2015/03/24) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I want the link to cancel to be posted publicly and I want them to stop signing you up for trials that they cannot cancel.
They eventually canceled my account. However, I have a big problem with how they do business and this is why I was so adamant in canceling my account in the first place, even though it was free. Why is there no phone number to call to cancel? Why is there nowhere to cancel on the web site? Why do they have the email to get a hold of anyone buried in their website under 5 links? They make it so inconvenient for your to cancel they are hoping you will just give up.
Next, things didn't happen as they say it did. I sent them an email telling them that I wanted to cancel all of my accounts paid or free. They sent me an email back saying, don't worry about it it is free, but if it is not free, we don't have anything to do with it. I tried to respond to the email but it wouldn't let me. So I had to go searching through their website again, through a maze of links, to email again. They responded to my second email, it is free don't worry about it, but if it is paid we can't cancel it. I emailed them a third time, after navigating their maze of links, threatening to contact the Revdex.com, and that is when they sent me a link to cancel my account. They try to trap you and hope you will just give up. The link to cancel needs to be posted publicly so that anyone that wants to cancel can do so.
Finally, it is ridiculous that they get away with signing you up for a free 7 day trial period, saying you can cancel at any time, and then when you try to cancel, at the place you signed up for it at, they say they can't do it because it is a different company. If they can't cancel your free trail then they shouldn't be allowed to sign you up for one. It is complete [redacted]. It is another web of inconvenience trying to get you to give up and hand over your money.
Initial Business Response /* (1000, 5, 2014/12/04) */
Thank you for contacting Credit.com customer support. Please understand that Credit.com did not collect your payment information, we have not charged you for any services, indeed we do not even have a merchant account for charging for...
services.
PLEASE READ THIS RESPONSE IN ITS ENTIRETY
* We understand that you wish to cancel a paid membership with one of our partners such as CreditReport.com or IdentityGuard. Please understand that Credit.com is a different company and does not have access to your account at our partner companies. You will need to contact them directly to cancel. This information is also available on our Customer Support site at https://zendesk.credit.com/hc/en-us/articles/XXXXXXXXX-Stop-charging-my-card-
* For CreditReport.com, please call X-XXX-XXX-XXXX
* For Identity Guard, please call XXX-XXX-XXXX
If you can't remember which of our partners provided you with your credit report service, we recommend checking your email account to find your confirmation from the partner company.
* Credit.com is the only FREE product of its kind designed by leading credit experts committed to helping you understand and master the confusing world of credit. It includes a truly free, no-strings credit score, credit report card, personalized step-by-step action plan and actionable expert advice. Your FREE Credit.com account remains active for your use.
Thank you for using Credit.com and please let us know how we can improve to continue serving your credit needs!
Sincerely,
~ The Credit.com Team
Initial Consumer Rebuttal /* (3000, 9, 2014/12/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The company charges a dollar for a credit report and allows you to cancel at any time. This is not really true.
#1: "The Company" cannot be contacted by phone, and in fact may not be the actual vendor of this service
#2) As I inserted above, the Company refers you to one of its "Partner Companies" if you wish to cancel: PLEASE READ THIS RESPONSE IN ITS ENTIRETY
* We understand that you wish to cancel a paid membership with one of our partners such as CreditReport.com or IdentityGuard. Please understand that Credit.com is a different company and does not have access to your account at our partner companies. You will need to contact them directly to cancel. This information is also available on our Customer Support site at https://zendesk.credit.com/hc/en-us/articles/XXXXXXXXX-Stop-charging-my-card-
* For CreditReport.com, please call X-XXX-XXX-XXXX
* For Identity Guard, please call XXX-XXX-XXXX
#3) These partner companies could not find me in their system for payment purposes.
#4) I am afraid that the company may keep billing me. I will see what happens.
This is not a good way to run a business. This company seems to be running a sales page Front and claims to pass on billing to "partner companies."
The partner companies then have no knowledge of my billing or identity.
Final Business Response /* (4000, 16, 2014/12/15) */
Hi [redacted],
I'm eager to help you resolve your complaint. I've read your complaint thoroughly several times, and here is what I understand from it.
You do not want to be charged for your free credit score at Credit.com.
We do not charge for providing your free credit score, nor for any other service.
You have no record of being charged by us, nor any other company.
We also have no record of you being charged by us, nor by any other company.
You are concerned that someone might bill you in the future.
We do not charge you for our services. We do not have your billing information.
Finally, though it is not explicit in your request, your request implies that you want to cancel your FREE Credit.com account. I have canceled your FREE account, but you may return to open a new account any time, free of charge.
I hope this answers your questions. Please feel free to reach out for support to [redacted]@credit.com, or through our Customer Support website at https://credit.zendesk.com.
Thank you for using Credit.com.
Final Consumer Response /* (2000, 18, 2014/12/17) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I hope you are right in your assertions that I will not be billed. But, your correspondence makes sense and is to the point.
Thank you