Experian Consumer Services

Your FICO(R) Score is calculated based on the data in your credit report at the time you request your credit report and score.  Items that can affect your credit score with the FICO(R) 8 Score powered by Experian(R) are payment history (35%), amount owed (30%), length of credit history (15%), new credit (10%), and types of credit used (10%).  We are unable to provide credit advice; however, you can contact a licensed credit advisor to look over your credit report and explain the differences in your credit score. To find out more about your score, we have several articles located at www.experian.com.  You would need to click on “Education” the “Credit Education” and finally “Score Basics”.  There are articles there that explain what affects your credit scores, improving your credit score, understanding your credit score and many others. We hope the above information is helpful to you in considering this matter.

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.
Regards,
[redacted]

Thank you for expressing your concerns. After doing a detailed search with the information you provided, we were unable to locate an account in our system that belongs to you and has been active in the last two years. In order to better assist us in locating an account, we are in need of...

additional information.   We would appreciate if you can provide us with the following: Full credit card number being billedFull membership numberFull email address associated with membershipFull name of individual listed on the membership Please fax any supporting documents to:  ([redacted] ATTN: Consumer Relations Group (Complaint ID: Revdex.com [redacted])   Or, you can mail to: PO Box 2390 Allen, TX 75013   Our customers are very important to us and we look forward to hearing from you with the information requested above. Please note there are several websites that offer similar products, and in many cases, customers often discover, after reviewing their billing statement, or the web site where they enrolled, that the product is actually offered by a different company. Thank you for your understanding and cooperation.

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 17, 2014. A welcome email notification was sent to the email address you provided at the time of...

enrollment.Based upon your complaint, your membership with Experian Credit TrackerSM has been cancelled effective August 31, 2015. Please accept our apologies for any inconvenience or misunderstanding. If you have any questions or concerns, please call our call center representative at ###-###-####.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.Please be advised that the price disclosed when you subscribed was $19.95.It is unfortunate that you had such an adverse experience while dealing with Experian Credit TrackerSM. We vigilantly strives to provide the highest standards of customer care and satisfaction. Our assistance has been engaged in response to a large data breach incident. The unforeseen nature and magnitude of this engagement has temporarily impacted call volumes and customer hold times. We apologize for any inconvenience this may have caused you. Please be assured that we are working to return to more acceptable response times.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.After viewing your consumer file, our records indicate that you ordered an Experian Credit Tracker SM membership on June 17, 2013.  A Welcome email notification was sent to the email...

address you provided at the time of enrollment.  Additionally, you contacted our customer service representative on November 4, 2015, and in response to our retention efforts agreed to maintain the membership at the reduced rate of $8.99 per month for 12 months.  We do not have a record of any cancellation request prior to this.  You contacted us again on June 21, 2016 to have the membership canceled.  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. Customer satisfaction is our priority, as a courtesy we have issued a refund of $152.88 on June 27, 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 Experian Credit TrackerSM may not have met your expectation or our standard of excellence.  We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for contacting us regarding the account opened at Experian Credit TrackerSM.
Experian Credit TrackerSM does offer a $1 7-day trial membership in a monthly credit monitoring product. Our website describes the offer in detail and the Order Form. Details along with the terms and...

conditions of the offer, including billing at the end of the $1 trial and monthly thereafter unless and until the customer notifies us of their wish to cancel. This was agreed to when submitting the order.
Our records indicate that [redacted] and [redacted] enrolled with Experian Credit TrackerSM on June 29, 2014. The memberships were not cancelled within the 7-day $1 trial period. Consequently, in accordance with the published terms of our offer, the credit card provided was charged our monthly membership fee of $14.95 on July 8, 2014, for each of their accounts.
On December 10, 2014, we received notification from [redacted] to cancel his membership. At the time of cancellation, a one month courtesy refund was issued for $14.95. As an additional courtesy, we have issued a refund of the remaining monthly membership fees of $74.75 for his membership. Please allow 7 – 10 business days for these funds to process to the credit card account that was billed. Please be aware, however, that this refund may not be reflected on your credit card statement for 1 – 2 billing cycles.
On December 11, 2014, we received notification from [redacted] to cancel her membership. Also as a courtesy, we have issued a full refund of the monthly membership fees of $89.70 for her membership. Please allow 7 – 10 business days for these funds to process to the credit card account that was billed. Please be aware, however, that this refund may not be reflected on your credit card statement for 1 – 2 billing cycles.
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 & FREE 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 $19.95 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 $14.95 per month.
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(R), please call ###-###-####. For reports requested under the auspices of FACTA, please go to www.annualcreditreport.com.
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 December 8, 2014, and followed by a request to cancel the membership on December 15, 2014. 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 $19.95 on December 16, 2014. Please allow 7-10 business days for these funds to process to your credit card account. It is also important to note that this refund may not be reflected on your credit card statement for 1-2 billing cycles.
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 & FREE 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 $19.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.
We apologize for any misunderstanding or inconvenience. Credit bureaus maintain separate records of consumer’s information. In order to dispute possible inaccuracies on their credit file consumers must direct their requests to each individual credit bureau. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute the completeness and accuracy of the information in your credit file. For a summary of your FCRA rights, please visit http://ftc.gov/bcp/edu/pubs/consumer/credit/cre35.pdf.
Listed below is the dispute contact information for the three national credit bureaus: Experian(R), Equifax(R) and TransUnion(R).
Experian(R):
Online Dispute: http://www.experian.com/dispute/
Telephone: ###-###-####
Equifax(R):
Online Dispute: http://www.equifax.com/online-credit-dispute/
Disputes via U.S. postal mail:
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374
Telephone: ###-###-####
TransUnion(R):
Online Dispute: http://www.transunion.com/corporate/personal/creditDisputes.page
Disputes via U.S. postal mail:
TransUnion
Consumer Solutions
P.O. Box 2000
Chester, PA 19022-2000
Telephone: ###-###-####
When you contact the appropriate credit bureau to dispute information on your credit report, be prepared to state the facts and explain why you are disputing the information, be able to supply the relevant account numbers and copies of any supporting documentation, and request the deletion or correction of the information you feel is inaccurate.
The FCRA mandates that the credit bureau with which you placed the dispute must respond to your dispute by contacting the source of the information and initiating an investigation. The credit bureau will ask the company or creditor (where possible) to check their records to verify the disputed information. Within 30 days, the company or creditor must respond to the credit bureau’s investigation. The creditor or company may verify the account item as accurate, or they may ask the credit bureau to update or correct the item. Upon conclusion, the credit bureau will contact you with the results of the investigation.
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 Credit TrackerSM.Our records indicate that you enrolled with Experian Credit TrackerSM on November 7, 2015, and followed by a request to cancel the membership on November 17, 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 November 19, 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 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 August 18, 2015, and followed by a request to cancel the membership on September 25, 2015.
Customer satisfaction is...

our priority, as a courtesy we have issued a refund of $21.95 on October 1, 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 strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thnak you for your feedback, Please see our previous response.

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.However, in their response and explanation of their practices, it still remains vague how they charge you per month for their membership.  I would truly like someone to address or correct that. See below and my point is that the underlined statement does not mention a per month charge.  I've read it many times to be sure that I am not crazy.  It is a very vague statement.  Why not include two simple words, "PER MONTH". Our website displays the following disclosure at sign up: By ordering your 3-bureau credit report and 3 scores you will begin 3-bureau credit monitoring and credit score tracking. The membership fee of $12.95 plus $1.15 sales tax for a total of $14.10 will be charged to your credit card account and your membership will continue automatically. You will receive email alerts whenever there is a significant change to your credit reports or scores. You may cancel at any time thanks
Regards,
[redacted]

Thank you for writing and expressing your concern regarding your membership with FreeCreditReport.com(R).Our records indicate that you ordered a $1 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 fee.  We received notification from you to cancel the membership on February 11, 2015.Our website describes the offer in detail 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. We have, as a courtesy, issued a refund of the monthly fee on February 11, 2015.  Please Allow 3-5 business days for these funds, an amount totaling $19.95, to process to the credit card account.  (It is also important to note that this refund should appear on your next credit card statement.)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 informing us of your recent experience with Experian Credit TrackerSM. We vigilantly strive to provide the highest standards of customer care and satisfaction.  Our records indicate that on June 27, 2015 you ordered an Experian(R) credit report from Experian Credit TrackerSM...

which enrolls you into the 7-day trial of our monitoring product.  Furthermore, in reviewing your customer file it appears you purchased and viewed your 3 bureau credit report on July 3, 2015. The following disclosure is displayed on the 3 bureau credit report order page: PAYMENT INFORMATION: When you click the “Get All 3 Scores & All 3 Reports” button, your credit card on file will be charged $39.95 once your identity has been confirmed and your report is ready to view. If, for any reason, we are unable to provide you with this report, we will not charge your credit card. Please note this transaction is nonrefundable. In response to this complaint we have canceled your membership and issued a refund for $84.85 to the card on file on July 7, 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 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.

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.
Oops, I am not sure how I respond to the complaint? My money has been refunded and I am satisfied with the businesses response.Thank you,[redacted]

Thank you for bringing your concerns to our attention regarding your recent experience with Experian Credit TrackerSM.
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 and...

internet access to their personal credit reports.
Our records indicate that on November 20, 2015 and December 5, 2015 you ordered a 3 bureau credit report from www.experian.com at a price of $39.95 for each order.
Upon ordering, you entered your personal information and credit card number. The following disclosure is displayed on the 3 bureau credit report order page:
PAYMENT INFORMATION
Note: Your credit card will be charged $39.95 once your identity has been confirmed and your report is ready to view. If, for any reason, we are unable to provide you with this report, we will not charge your credit card. Please note this transaction is non-refundable.
Our records also indicate that you enrolled with Experian Credit TrackerSM on December 6, 2015, and followed by a request to cancel the membership on the same date. At the time of cancellation, a courtesy refund was issued in the amount of $39.95 for one of the 3 bureau credit reports.
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(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.
The following disclosure is also displayed on the order form, 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 Credit TrackerSM. 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 have, as a courtesy, issued a refund of the remaining fees charged to your card. Please Allow 3 - 5 business days for these funds, an amount totaling $40.95, to process to the credit card account. (It is also important to note that this refund should appear on your next credit card statement.)
With regard to your request for 1 year of monitoring at no charge, we must respectfully decline your request.
In the future we recommend visiting www.annualcreditreport.com which allows consumers to request a free credit report, once every 12 months from each of the three nationwide consumer credit reporting companies.
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.

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.
I understand Experian does not wish to delete my credit records in order to comply with the law however, this should not prevent freecreditreport.com from disabling and/or deleting my account. The two entities are separate by their own admission and certainly it is technically possible for a company to delete or disable online access to an inactive subscriber. The issue I have is that a website owned by the credit agency, not the agency themselves, should respect my wish to data privacy and security by disabling access to my account. By continuing to allow access to my personal and sensitive data through a website that I no longer am a subscriber they are subjecting me to undue risk of online identity theft.
Regards,
[redacted]

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 7, 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 16, 2016, and on or about the 16th 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 16, 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 $23.32 ($21.95 plus $1.37 tax).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 $69.96 ($65.85 plus $4.11 tax) 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.

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 July 17, 2015, and followed by a request to cancel the membership on July 28, 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 $24.95 plus $1.56 sales tax for a total of $26.51 on July 31, 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 INFORMATIONWhen you order your $1 Credit Report and FICO® Scores here, 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 $24.95 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 Credit TrackerSM.Our records indicate that you enrolled with Experian Credit TrackerSM on February 8, 2015, and followed by a request to cancel the membership on March 7, 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 March 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 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. Click Here to get your free annual credit report available under federal law.  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 ordered a credit report along with a membership in Experian Credit TrackerSM.  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 January 16, 2016, and on or around the 16th of each following month. On May 24, 2016, you contacted us to cancel the membership.  In accordance with our published refund policy, a refund of $19.95 was issued at that time.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 $19.95 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. Customer satisfaction is our priority, as a courtesy we have issued an additional refund of $79.80 on June 8, 2016.  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.