Instant Checkmate Inc

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 am an IT Manager at a mid size company.  My people have been bombarded by UNSOLICITED BULK EMAIL by these 'third party marketers' independent of instantcheckmate.com's terms of use.  Instantcheckmate and their MANY affiliated domain names claim that they are not responsible for the ads that they paid to send.  Ads that LIE about the relationship of the sending party with regard to contact with instantcheckmate.com and it's affiliates.  This is false marketing and advertising they paid for. 
These marketers use specific tactics akin to phishng techniques as well as 'snowshoeing' messages from a variety of sources to avoid spam detection efforts.  We have been unable to stop these message and the frequency is continuing to expand.
We feel that instantcheckmate.com is aware of these deceptive marketing scams and profiting from it as well.  Clicking on the link will randomly redirect you to one of instantcheckmate.com's affiliated web sites.  Most of these affiliates and employee agents are unaware of their relationship with each other.  ie [redacted].
Here is an example-
======================================================
D4CN INTERNET ALERT NOTIFICATION SYSTEMS
NOTICE FOR: REDACTED
DATE:08/18/2014 - NO. [redacted]
======================================================
REDACTED
This alert has reached you today to inform you that someone has just ordered a background-check-on you.
The details of this check are below:
Order Details:
-------------------
Date: 08/17/2014
Time: 08:13am (PST)
Please visit here right now to see your results and review additional information: [redacted]
 
======================================================
D4CN INTERNET ALERT NOTIFICATION SYSTEMS.
======================================================
DATE:08/18/2014 - NO. [redacted]
======================================================
 
 
 
 
Regards,
[redacted]

Dear Ms. [redacted]

This email is in response to the consumer complaint from Mrs. [redacted]; reference #[redacted].
As previously mentioned to Mrs. [redacted], her account has been previously cancelled. If Mrs. [redacted] suspects fraud has occurred on her newly issued credit card, we would not be able to locate this second account under her name and email address. This is why to further investigate the issue, we will need the first 4 and last 4 numbers of her credit card. If Mrs. [redacted] has any transaction ID numbers we can use to locate charges on this account, this would also be very helpful. We would like to help Mrs. [redacted] get this issue resolved as soon as possible but cannot locate this account without this information. If she prefers us to contact her directly via phone to expedite the process, we will gladly reach out right away.
Sincerely,
Customer Support
Instant Checkmate

June 20, 2014
Arial;"> 
Revdex.com
4747 Viewridge Ave.
Suite 200
San Diego CA 92123
 
Re:  Revdex.com
Complaint Case # [redacted]
 
Dear Ms. [redacted],
 
This email is in
response to the consumer complaint from Ms. [redacted], submitted on June 17, 2014.
 
InstantCheckmate.com
compiles reports from millions of public records, including information
provided by state and local governments.  All of the information contained in our
reports is part of what is referred to as "public record."  As the terms of use
below, which have been pulled directly from InstantCheckmate.com, state:
 
Disclaimer
of Warranties.
a) Instant Checkmate DOES NOT GUARANTEE THE ACCURACY OF
INFORMATION FOUND ON THE SITE OR THROUGH THE SERVICES. USE OF THE SITE, THE
SERVICES AND ANY DATA ACCESSED WHILE USING THE SITE OR THE SERVICES IS AT YOUR
SOLE RISK. THE SITE, THE SERVICES AND ALL CONTENTS OF EACH ARE PROVIDED ON AN
"AS IS" AND "AS AVAILABLE" BASIS.
b) Instant Checkmate DOES NOT WARRANT THAT THE SITE OR SERVICES
WILL MEET ANY REQUIREMENTS OR NEEDS YOU MAY HAVE, OR THAT THE SITE OR SERVICES
WILL OPERATE ERROR FREE, OR IN AN UNINTERRUPTED FASHION, OR THAT ANY DEFECTS OR
ERRORS IN THE SITE OR SERVICES WILL BE CORRECTED, OR THAT THE SITE OR SERVICES
ARE COMPATIBLE WITH ANY PARTICULAR PLATFORM. Instant Checkmate IS NOT OBLIGATED
TO PROVIDE ANY UPDATES TO THE SITE OR SERVICES.
c) Instant Checkmate DOES NOT WARRANT OR MAKE ANY
REPRESENTATIONS REGARDING THE MATERIALS ON THIS SITE OR SERVICES IN TERMS OF
THEIR TIMELINESS, CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. WHILE
Instant Checkmate MAKES REASONABLE EFFORTS TO PROVIDE ACCURATE AND TIMELY
INFORMATION ON THE SITE, YOU SHOULD NOT ASSUME THAT THE INFORMATION PROVIDED IS
ALWAYS UP TO DATE OR THAT THE SITE CONTAINS ALL THE RELEVANT INFORMATION
AVAILABLE ABOUT Instant Checkmate. Instant Checkmate UNDERTAKES NO OBLIGATION
TO VERIFY OR MAINTAIN THE CURRENCY OF SUCH INFORMATION.
d) Instant Checkmate DOES NOT REPRESENT THAT THE SITE, THE
SERVICES OR ANY DATA ACCESSED WHILE USING THE SITE OR THE SERVICES IS
APPROPRIATE OR AVAILABLE FOR USE OUTSIDE THE UNITED STATES.
e) Instant Checkmate EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY
KIND, WHETHER EXPRESS OR IMPLIED, RELATING TO THE SITE, THE SERVICES AND ANY
DATA ACCESSED WHILE USING THE SITE OR THE SERVICES, OR THE ACCURACY,
TIMELINESS, COMPLETENESS, OR ADEQUACY OF THE SITE, THE SERVICES AND ANY DATA
ACCESSED WHILE USING THE SITE OR THE SERVICES, INCLUDING THE IMPLIED WARRANTIES
OF TITLE, MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR
PURPOSE AND NON-INFRINGEMENT.
Despite
the previously mentioned stipulations, we understand that our customer was not
satisfied. We have received authorization to grant a full refund of $44.84. Please allow 3 to 5 business days for
the refund to post back to the customer’s account. Effective
immediately, the account has been
cancelled; the date of the last charge was June 15, 2014, the customer will
incur no further charges.
Since
the concerns mentioned in Ms. Sotler’s complaint have been addressed, we
therefore consider this matter closed.  If
you have any questions regarding the foregoing, please do not hesitate to
contact Customer Support at ###-###-####.
 
Sincerely,
Customer
Support
Instant
Checkmate

Dear Ms. [redacted], This email is in response to the consumer complaint from Ms. [redacted]; reference #[redacted]. We have received the complaint via the Revdex.com regarding the cancellation and desired refund of Ms. [redacted]’s account with Instant Checkmate. We would first like...

to apologize for any inconveniences Ms. [redacted] has experienced with Instant Checkmate.  We were able to locate two accounts under the name [redacted]. One account linked to the email provided, [redacted]@gmail.com, has been cancelled and fully refunded. As for the second account we located, the email address and transaction date and amounts do not match the information provided in Ms. [redacted]’s complaint. In order to further investigate, and ultimately resolve this matter, we will need additional information to verify the account.In order for us to locate the account, we will need the following information:An additional email address that may have been used to sign up for a previous accountThe first 6 and last 4 numbers of the card used when signing up for the account If you have any questions regarding the foregoing, please do not hesitate to contact Customer Support at 1-800-222-8985. Sincerely,Customer SupportInstant Checkmate

July 3, 2014
Revdex.com
4747 Viewridge Ave. Suite 200
/>
San Diego CA 92123
Re:  Revdex.com Complaint Case # [redacted]
Dear Ms. [redacted],
This email is in response to the consumer complaint from Ms. [redacted]e
[redacted], which was submitted on July 1, 2014.
Our records indicate that Ms. [redacted] contacted Instant Checkmate on July
1, 2014 to cancel her membership.  Per her request, her account with Instant Checkmate has
been canceled as of July 1, 2014.  She will incur no further charges.  She has been issued a full refund, consisting of one payment of $1.00 and thirteen
payments of $29.63 – a total refund of $386.19. Please allow 3-5 business days
for this credit to reflect the card that was used during the initial time of sign up with Instant Checkmate.
If you have any further questions or concerns, please
contact our Customer Support Team at ###-###-#### or via e-mail at:
[email protected]. We are available 7 days a week, 24 hours a day to
assist you.
Kind Regards,
Customer SupportInstant Checkmate

vertical-align: baseline; white-space: pre-wrap;">Dear Ms. [redacted]
This email is in response to the consumer complaint from Ms. [redacted]; reference  #[redacted].
We have received your petition to have Ms. [redacted]’ information removed from our database. Here at Instant Checkmate, we hold the utmost respect for each individual's privacy and apologize for any inconveniences Ms. [redacted] may have experienced due to our services. InstantCheckmate.com compiles reports from millions of public records, including information provided by state and local governments. All of the information contained in our reports is part of what is referred to as "public record."  
As per Ms. [redacted]’ request, all of the information regarding the individual(s) below has been removed from Instant Checkmate’s database as of 5/18/15:
[redacted]
Please allow up to 72 hours for these changes to reflect on our website. Instant Checkmate takes every reasonable precaution to ensure that all data associated with each request is suppressed; we appreciate your patience regarding this matter.
In addition, if Ms. [redacted] would like to remove information regarding any another individuals, we request that she please submit the following information pertaining to those individuals as it appears on Instantcheckmate.com:
1. First Name, Last Name
2. Date Of Birth/Age
3. City, State, Zip Code
4. Possible Relatives
5. Additional Locations
If you have any further questions or concerns, please contact our Customer Support Team at ###-###-#### or via email at [redacted]. We are available 7 days a week, 24 hours a day to assist you.
Sincerely,
Customer Support
Instant Checkmate

Dear Ms....

[redacted],

This email is in response to the consumer complaint from Ms. [redacted]; reference #[redacted].

We have received the complaint via the Revdex.com regarding the cancellation and desired refund of Ms. [redacted]’s account with Instant Checkmate.

We would first like to apologize for any inconveniences Ms. [redacted] has experienced with Instant Checkmate.  Unfortunately, given the information provided by Ms. [redacted], we have been unable to locate this account with InstantCheckmate.com.  In order to further investigate, and ultimately resolve this matter, we will need additional information regarding the account. Until we are able to locate the account, we will be unable to provide assistance.
In order for us to locate the account, we will need the following information:
The first and last name used when signing up for the account
The email address used when signing up for the account
The first 4 and last 4 numbers of the card used when signing up for the account

Instant Checkmate apologizes for any confusion that Ms. [redacted] may have been encountered regarding our policies and billing plan. If you have any questions regarding the foregoing, please do not hesitate to contact Customer Support at ###-###-####.

Sincerely,
Customer Support
Instant Checkmate

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]

Dear Ms. [redacted]
This email is in response to the consumer rejection from Ms. [redacted]; reference #[redacted].
It appears that Ms. [redacted] may not have read our initial response in full. In the bottom paragraph of our response, we informed Ms. [redacted] that we had issued her a full refund in the amount of $295.80, as per the request in the original complaint. This refund has been credited back to the card that was used to enroll in our services, and no further charges will be incurred.
Since the concerns mentioned in the original complaint have been addressed, we therefore consider this matter closed.  If you have any questions regarding the foregoing, please do not hesitate to contact Customer Support at ###-###-####.
Sincerely,
Customer Support
Instant Checkmate

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.
On 10/27 Instant Checkmate responded that my email has been removed from their list but allow 10 days for the change to take effect.  Revdex.com closed the complaint before the 10 days occurred.  I was waiting to see if the junk emails I complained about would stop.  As of today 11/4 the # of emails per day have increased from 15 to 45!  Instant Checkmate has NOT done what it said it would do to satisfy the complaint!
Regards,
[redacted]

Dear Ms. [redacted], This email is in response to the consumer complaint from Mr. [redacted]; reference  #[redacted]. We have received the complaint via the Revdex.com regarding the cancellation and desired refund of Mr. [redacted]’s account with Instant Checkmate. We would...

first like to apologize for any inconveniences Mr. [redacted] has experienced with Instant Checkmate.  Unfortunately, given the information provided by Mr. [redacted], we have been unable to locate this account with InstantCheckmate.com.  In order to further investigate, and ultimately resolve this matter, we will need additional information regarding the account. Until we are able to locate the account, we will be unable to provide assistance.In order for us to locate the account, we will need the following information:The first and last name used when signing up for the accountThe email address used when signing up for the accountThe first 4 and last 4 numbers of the card used when signing up for the account Instant Checkmate apologizes for any confusion that Mr. [redacted] may have been encountered regarding our policies and billing plan. If you have any questions regarding the foregoing, please do not hesitate to contact Customer Support at ###-###-####. Sincerely,Customer SupportInstant Checkmate

[redacted]DO NOT JOIN!!!! FALSE and/or OUTDATED Information[redacted]
I am very disappointed, they charge you and you get either the wrong information or very outdated information. I was looking for someone and instant checkmate gave me very outdated information, turns out information from a PI let me know the person I was looking for died 20 years ago. Instant checkmate didn't have that information. I also checked out my husbands information and it was 90 % false. I think it is horrible to charge people for false or outdated information. I have cancelled before my month was up, I hope they don't continue to charge me like others had complained about.

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.  To be clear, my complaint specifically outlined the need to address and review Revdex.com's accreditation status of a company that has had literally 'thousands of consumer complaints' for deceptive marketing practices and ancillary harm to consumers through distribution/sale of customer lists to other internet-based companies, including descriptive phonographic emails and access to phonographic websites.  Please note INSTANT CHECKMATE proudly announced to the Revdex.com that they had refunded 'charges'.  This is a false statement. I contacted the credit card company, filed a dispute, charges were removed, and a 'block' was enacted to prevent future charges to my credit card. The credit card company reviewed their data and concluded this company has a high number of customer-initiated disputes and 'blocks' to protect their customers and reduce the volume of activities spent by their administrative resources to address an issue generated by INSTANT CHECKMATE, a highly rated Revdex.com accredited company.  Other companies are taking action, my own perception is that the Revdex.com would also take action.  As evidenced by a response that did not address the complaint, the Revdex.com offered a computer-generated check-the-box, yes-or-no email. To paraphrase: 'the company responded, the Revdex.com interprets a response as resolution.
1.The response from [redacted] dba INSTANT CHECKMATE offered no more than a cut-and-paste of what is described as 'terms of agreement' and does not address the complaint filed with the Revdex.com.  This company pays annual dues to the Revdex.com, why would the Revdex.com risk loss of revenue by clearly understanding the consumer's specific complaint?  As the Revdex.com is not a government agency, of which I understand and some believe to be the case, the Attorney General's office and Federal Trade Commission are government agencies take consumer complaints seriously and act upon information provided in the complaint.  The Attorney General's office and The Federal Trade Commission do not measure success by 'speed of response' or measure effectiveness and success through 'administratively closing' consumer complaints.  2. Whether or not a business is accredited, it can be graded by the Revdex.com.  The grading system, ranging from A+ to F is confusing at best and useless at worst.  Business grades are determined by 16 factors, including how many complaints have been filed with the Revdex.com against the business and if how the business responded.  Notably however a business's grade won't necessarily be hurt if nothing much comes of a complaint and the customer is left unsatisfied.  rather, all that matters, grading-wise, is that the business responded and made a 'good faith effort to resolve complaints".  This means that a business could have a good grade even if it is the subject of a lot of complaints, as long as the business dutifully response, even in a pro-forma way.3. While the Revdex.com offers consumers many services and lists of popular scams to watch out for, the organization's mission isn't to have your back, as demonstrated by a request to close the complaint.  In this instance, a quick response equals resolution and another data point used to manage metrics.  From top to bottom, the Revdex.com is funded by the annual dues paid by businesses it anoints with 'accreditation', which allows companies to put iconic Revdex.com stamps of approval on websites, marketing materials, and storefronts.  This raises very obvious questions about 'conflict of interest':  the Revdex.com customers are businesses, not consumers. How can the Revdex.com serve as an honest broker between businesses and consumers when it is fully funded by parties such as [redacted] dba INSTANT CHECKMATE.  It would appear there's a natural incentive to portray dues-paying clients in the best possible light.4. In this case, content of my complaint specifically outlined the need to address the sale/distribution of INSTANT CHECKMATE customer lists to other internet organizations who generate vast amounts of spam and unauthorized charges to my email account: sale/distribution of customer lists adds value to INSTANT CHECKMATE and other companies marketing plan:  flood the market, or statistically 'hook' individuals who may interpret emails as official communication from banks, credit card companies, fortune 100 companies, and phonographic websites.  The unauthorized charge to my credit card and INSTANT CHECKMATE'S answer that I willingly entered into an agreement is inaccurate. The dues-paying INSTANT CHECKMATE is a customer of the Revdex.com and false/illegal business practices continue as long as INSTANT CHECKMATE will pay the Revdex.com for accreditation. 5. Filing a complaint with the Revdex.com would seem the right thing to do. In this case high expectations were set high the Revdex.com would address content, not speed of response.  It is apparent Revdex.com grades are not a reflection of customer experience or the overall quality of a business which the majority of customers believe is the mission of the Revdex.com. Instead, business grades are determined by what the Revdex.com determines as resolution, not the consumer who filed the complaint. 6. I understand the Revdex.com cannot shut down a business or tell companies how to run their business.  What the Revdex.com can do is evaluate and confirm the accuracy of the company's description of their business.  Revdex.com has the data!  Review your data! The sheer number of consumer-filed complaints for deceptive marketing is a strong indicator that there is a sizable and quantifiable gap.  A company-supplied description of core competencies by a dues-paying organization versus the sheer volume of consumer-generated complaints to the Revdex.com of deceptive business practice is confirmed by data, not perception or speculation. 7.  While it would seem the Revdex.com would take action with companies who profit from distribution of customer lists to organizations who distribute pornography, Federal law mandates pornography as legal when distributed to adults and illegal to distribute pornography to minors.  Companies know the line of demarcation and can offer customer lists knowing that the list contains email addresses who have identified themselves as adults.  In this case INSTANT CHECKMATE can offer a highly sought after 'no minor' customer lists.8.  How the Revdex.com can rate INSTANT CHECKMATE with an A- rating is beyond belief and validation that the Revdex.com does not adhere to its own criteria. Using Revdex.com measurement criteria to determine the Revdex.com-provided 'grade' confirms the Revdex.com has not followed its on publicly distributed checklist to determine a true and accurate rating of INSTANT CHECKMATE. A review of Revdex.com's 16 criteria used to rate and accredit companies is provided below with ITALICIZED elements that must be addressed immediately. *Summary: I fully anticipate the Revdex.com will offer and enact one of two types of resolution:  Revdex.com 'administratively' closing the case, or offer of Revdex.com mediation or a Revdex.com fee-based service. Consumer perception is that the Revdex.com is an organization who truly cares about the consumer which is why I filed a complaint, or 'why not it can't hurt to file a complaint'.  I had hoped the Revdex.com would engage in a manner other than managing metrics.  However hope is not a strategy, I am left without resolution, and the Revdex.com can transfer an open case to the bucket labeled 'issue resolved'.  By using Revdex.com's criteria, italicized items and point values do not add up to the Revdex.com published rating.  An INSTANT CHECKMATE press release touts a A- rating which according to the Revdex.com rating system is a 93.9 point score.  My complaint encompasses those items where INSTANT CHECKMATE does not meet criteria.  On a 100 point scale, INSTANT CHECKMATE'S score could be as low as 29 points, or far below an F rating. Using 'benefit of the doubt' that the maximum number of points would not be deducted, the math still shows the sheer number of violations are inconsistent with the number of points needed to achieve an A- rating.  I use fact-based data to determine whether an organization adheres to its own criteria.   Facts are truth, consumer complaints are truth, volume of complaints is truth, and Revdex.com's 'administrative close' is unfortunate, but true.   * Revdex.com ratings represent the Revdex.com's opinion of how the business is likely to interact with its customers. The Revdex.com rating is based on information Revdex.com is able to obtain about the business, including complaints received from the public. Revdex.com seeks and uses information directly from businesses and from public data sources. Revdex.com assigns ratings from A+ (highest) to F (lowest). In some cases, Revdex.com will not rate the business (indicated by an NR, or "No Rating”) for reasons that include insufficient information about a business or ongoing review/update of the business’s file.Revdex.com Business Reviews generally explain the most significant factors that raise or lower a business’s rating.Revdex.com ratings are not a guarantee of a business’s reliability or performance.  Revdex.com recommends that consumers consider a business’s Revdex.com rating in addition to all other available information about the business.RATING ELEMENTSRevdex.com ratings are based on information in Revdex.com files with respect to the following factors:Business’s complaint history with Revdex.com.The Revdex.com rating takes into account the following information with respect to closed complaints that relate to a business’s marketplace activities:Number of complaints filed with Revdex.com against the business.The size of the business.If complaints have been filed, whether in Revdex.com's opinion the business appropriately responded to them.If complaints have been filed, whether in Revdex.com’s opinion the business resolved the complaints in a timely manner to the customer's satisfaction.If complaints have been filed, whether in Revdex.com's opinion the business made a good faith effort to resolve complaints, even if the customer was not satisfied with the resolution.If complaints have been filed, whether in Revdex.com's opinion the business failed to resolve the underlying cause(s) of a pattern of complaints.The age of resolved complaints. Older resolved complaints have less of an impact on the rating than newer complaints.Revdex.com analysis of a business’s complaint history generally takes into account the business’s size if Revdex.com has reliable information to establish its size. If Revdex.com cannot reliably determine business size, it will consider the business to fall within Revdex.com's smallest size category.Type of business.A business’s Revdex.com rating is lowered if, in Revdex.com's opinion, the business is of a type of business believed to operate in violation of the law or materially misrepresent its products/services. Businesses that fall within this category will always get an “F” rating.Time in business.A business’s Revdex.com rating is based, in part, on the length of time the business has been operating. If Revdex.com is unable to obtain, from the business or from other sources, information about time in business that Revdex.com deems reliable, Revdex.com will consider business to have started at the time Revdex.com opened its file on the business.Transparent Business PracticesA business’s Revdex.com rating is lowered if Revdex.com determines that the business is not being transparent about its marketplace conduct. This includes situations where:A business does not provide complete information about products and services offered, and/or ownership.A business uses false addresses or an address cannot be determined.Failure to honor commitments to Revdex.com.A business’s Revdex.com rating is lowered if a business does not honor its commitments to Revdex.com, including commitments to abide by a mediation settlement or an arbitration award.Licensing and government actions known to Revdex.com.A business’s Revdex.com rating is lowered when Revdex.com has knowledge of the following:Failure of the business to have required competency licensing (i.e., licensing that requires a competency assessment or can be taken away based on misconduct by business).Finalized government actions against the business that relate to its marketplace activities and, in Revdex.com's opinion, raise questions about the business’s ethics or its reliability in providing products/services.  Government actions may be rated as major, moderate or minor, and the rating deduction varies accordingly. However, older government actions have less of an impact than newer government actions of the same type.Revdex.com routinely checks required competency licensing and government actions before a business is accredited by Revdex.com. Revdex.com does not routinely check required competency licensing and government actions for businesses that do not seek Revdex.com accreditation, although in some cases Revdex.com learns of these matters through its marketplace research.Advertising issues known to Revdex.com.A business’s Revdex.com rating is lowered when the business does not, in Revdex.com's opinion, appropriately respond to Revdex.com advertising challenges that relate to:Misuse of the Revdex.com name or Revdex.com marks; orQuestions about the truthfulness, accuracy or substantiation of advertising claims or compliance with the Revdex.com Code of Advertising. Advertising issues may be rated as major, moderate or minor, and the rating deduction varies accordingly. Revdex.com advertising challenges are made at Revdex.com's discretion when it receives complaints from consumers or competitors about advertising or when Revdex.com identifies questionable advertising through its monitoring of local media.RATING POINTSThis chart shows the maximum number of points that can be earned or deducted in each element of the Revdex.com rating system. A business’s total score is on a 100 point scale.  Please note there are some categories in which businesses can only lose points, and for those categories a "0” is indicated as the maximum number of points that can be awarded.ElementRange of points that can be earned or deducted (maximum to minimum)1. Complaint Volume (Weighted by Complaint Age)15 to 02. Unanswered Complaints40 to 03. Unresolved Complaints30 to 04. Complaint Resolution Delayed5 or 05. Failure to Address Complaint Pattern0 or -116. Type of Business0 to -417. Time in Business10 to 08. Transparent Business Practices0 or -59.  Failure to Honor Mediation/Arbitration0 to -4110. Competency Licensing0 or -4111. Government Action (per action)0 to -2512. Advertising Review (per incident)0 to -4113. Revdex.com Trademark Infringement0 or -41LETTER RATING SCALEThis is the 100 point scoring scale Revdex.com uses to assign letter grade ratings:FromToLetter Rating97100A+9496.99A9093.99A-8789.99B+8486.99B8083.99B-7779.99C+7476.99C7073.99...⇄   
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]
Asking for the first 6 numbers of my card does not put the money back in my account.  I never signed up to have $19.95 taken from my account every month.  I unchecked that option.
The first 6 numbers are [redacted]

February 13, 2014
sans-serif;"> 
Revdex.com
4747 Viewridge Ave. Suite 200
San Diego CA 92123
 
Re:  Revdex.com Complaint Case # [redacted]
 
Dear Ms. [redacted],
 
This email is in response to the consumer complaint from Mr. [redacted] dated February 9, 2014 reference
number #[redacted].
 
 
Instant Checkmate.com compiles reports from millions of
public records including information provided by state and local governments.
All of the information contained in our reports is part of what is referred to
as the "public record." 
8) Disclaimer of Warranties.
a) Instant Checkmate DOES NOT GUARANTEE THE ACCURACY OF
INFORMATION FOUND ON THE SITE OR THROUGH THE SERVICES. USE OF THE SITE, THE
SERVICES AND ANY DATA ACCESSED WHILE USING THE SITE OR THE SERVICES IS AT YOUR
SOLE RISK. THE SITE, THE SERVICES AND ALL CONTENTS OF EACH ARE PROVIDED ON AN
"AS IS" AND "AS AVAILABLE" BASIS.
b) Instant Checkmate DOES NOT WARRANT THAT THE SITE OR SERVICES
WILL MEET ANY REQUIREMENTS OR NEEDS YOU MAY HAVE, OR THAT THE SITE OR SERVICES
WILL OPERATE ERROR FREE, OR IN AN UNINTERRUPTED FASHION, OR THAT ANY DEFECTS OR
ERRORS IN THE SITE OR SERVICES WILL BE CORRECTED, OR THAT THE SITE OR SERVICES
ARE COMPATIBLE WITH ANY PARTICULAR PLATFORM. Instant Checkmate IS NOT OBLIGATED
TO PROVIDE ANY UPDATES TO THE SITE OR SERVICES.
c) Instant Checkmate DOES NOT WARRANT OR MAKE ANY
REPRESENTATIONS REGARDING THE MATERIALS ON THIS SITE OR SERVICES IN TERMS OF
THEIR TIMELINESS, CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. WHILE
Instant Checkmate MAKES REASONABLE EFFORTS TO PROVIDE ACCURATE AND TIMELY
INFORMATION ON THE SITE, YOU SHOULD NOT ASSUME THAT THE INFORMATION PROVIDED IS
ALWAYS UP TO DATE OR THAT THE SITE CONTAINS ALL THE RELEVANT INFORMATION
AVAILABLE ABOUT Instant Checkmate. Instant Checkmate UNDERTAKES NO OBLIGATION
TO VERIFY OR MAINTAIN THE CURRENCY OF SUCH INFORMATION.
d) Instant Checkmate DOES NOT REPRESENT THAT THE SITE, THE
SERVICES OR ANY DATA ACCESSED WHILE USING THE SITE OR THE SERVICES IS
APPROPRIATE OR AVAILABLE FOR USE OUTSIDE THE UNITED STATES.
e) Instant Checkmate EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY
KIND, WHETHER EXPRESS OR IMPLIED, RELATING TO THE SITE, THE SERVICES AND ANY
DATA ACCESSED WHILE USING THE SITE OR THE SERVICES, OR THE ACCURACY,
TIMELINESS, COMPLETENESS, OR ADEQUACY OF THE SITE, THE SERVICES AND ANY DATA
ACCESSED WHILE USING THE SITE OR THE SERVICES, INCLUDING THE IMPLIED WARRANTIES
OF TITLE, MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR
PURPOSE AND NON-INFRINGEMENT.
 
We
are sorry to hear that Mr. [redacted] was not satisfied with our services Mr. [redacted] account has been cancelled, and he will not
incur any future charges. She has been refunded a total of $13.42, which is the
total amount that Ms. [redacted] has paid to
Instant Checkmate. Please allow 3-7 business days for this refund to process.
 
 
Instant
Checkmate apologizes for any confusion Mr. [redacted]
encountered regarding our policies. 
Since the concerns mentioned in his complaint have been addressed, we
therefore consider this matter closed. 
If you have any questions regarding the foregoing, please do not
hesitate to contact Customer Support at ###-###-####.
 
 
Sincerely,
 
Customer
Support
Instant
Checkmate

They are suppose to refund most of my costs but I was just trying to file this so you have it on file with Revdex.com for others to be aware.  This is a bait and switch situation that I hope others do not fall into...
thanks - [redacted]

The first  6 numbers and last 4 numbers of the card that was compromised is as follows, [redacted]Thanks
Haley
T
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.
Regards,
[redacted]

Somehow that got my credit card info and have been charging me for the last 2 years.
I called them and they refused to refund my money!

Dear Ms. [redacted],
This email is in response to the consumer complaint from Mr. [redacted]; reference #[redacted]. We request that Mr. [redacted] please read this response in full, as we have provided important refund information at the bottom.
Instant Checkmate.com compiles reports from...

millions of public records including information provided by state and local governments. All of the information contained in our reports is part of what is referred to as the "public record."
We do apologize for any confusion Mr. [redacted] may have experienced regarding our services. Some customers are under the impression that when you purchase a membership with our company you are paying for records; unfortunately, this is not the case. The service that is provided is actually the compiling of all the public records data and the sorting of the data into an easy to read format. When a customer pays for a public records search, we do guarantee that we will search every database available to us, however, we cannot guarantee which records will or will not show up in the final report since we are not in control of the records themselves. We simply display records as they are provided to us.
We get our information from local county courthouses and census bureaus. This information is then uploaded to the database that we pull from. There is a possibility that some information may not show on a given individual because some state and local laws restrict us from accessing certain records which may not be considered “public” in that jurisdiction. There also exists the possibility of false positives, and more than one individual with the same name and basic information may match up with many other records. For these reasons, search results are filtered by "most likely," "likely," and "somewhat likely." The following disclaimer is also posted on every page of our website:
DISCLAIMER: It is PROHIBITED by law to use our service or the information it provides to make decisions about consumer credit, employment, insurance, tenant screening, or for any other purpose subject to the Fair Credit Reporting Act, 15 USC 1681 et seq.  Instant Checkmate does not provide consumer reports and is not a consumer reporting agency. The information available on our website may not be 100% accurate, complete, or up to date, so do not use this information as a substitute for your own due diligence, especially if you have concerns about a person’s criminal history. Instant Checkmate does not make any representation or warranty about the accuracy of the information available through our website or about the character or integrity of the person about whom you inquire.  For more information, please review Instant Checkmate Terms of Use.
Disclaimer of Warranties.
a) Instant Checkmate DOES NOT GUARANTEE THE ACCURACY OF INFORMATION FOUND ON THE SITE OR THROUGH THE SERVICES. USE OF THE SITE, THE SERVICES AND ANY DATA ACCESSED WHILE USING THE SITE OR THE SERVICES IS AT YOUR SOLE RISK. THE SITE, THE SERVICES AND ALL CONTENTS OF EACH ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.
b) Instant Checkmate DOES NOT WARRANT THAT THE SITE OR SERVICES WILL MEET ANY REQUIREMENTS OR NEEDS YOU MAY HAVE, OR THAT THE SITE OR SERVICES WILL OPERATE ERROR FREE, OR IN AN UNINTERRUPTED FASHION, OR THAT ANY DEFECTS OR ERRORS IN THE SITE OR SERVICES WILL BE CORRECTED, OR THAT THE SITE OR SERVICES ARE COMPATIBLE WITH ANY PARTICULAR PLATFORM. Instant Checkmate IS NOT OBLIGATED TO PROVIDE ANY UPDATES TO THE SITE OR SERVICES.
c) Instant Checkmate DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE MATERIALS ON THIS SITE OR SERVICES IN TERMS OF THEIR TIMELINESS, CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. WHILE Instant Checkmate MAKES REASONABLE EFFORTS TO PROVIDE ACCURATE AND TIMELY INFORMATION ON THE SITE, YOU SHOULD NOT ASSUME THAT THE INFORMATION PROVIDED IS ALWAYS UP TO DATE OR THAT THE SITE CONTAINS ALL THE RELEVANT INFORMATION AVAILABLE ABOUT Instant Checkmate. Instant Checkmate UNDERTAKES NO OBLIGATION TO VERIFY OR MAINTAIN THE CURRENCY OF SUCH INFORMATION.
d) Instant Checkmate DOES NOT REPRESENT THAT THE SITE, THE SERVICES OR ANY DATA ACCESSED WHILE USING THE SITE OR THE SERVICES IS APPROPRIATE OR AVAILABLE FOR USE OUTSIDE THE UNITED STATES.
e) Instant Checkmate EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, RELATING TO THE SITE, THE SERVICES AND ANY DATA ACCESSED WHILE USING THE SITE OR THE SERVICES, OR THE ACCURACY, TIMELINESS, COMPLETENESS, OR ADEQUACY OF THE SITE, THE SERVICES AND ANY DATA ACCESSED WHILE USING THE SITE OR THE SERVICES, INCLUDING THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
We apologize that Mr. [redacted] was not satisfied with our services. As a gesture of goodwill, he has been issued a full refund, as per the request in the original complaint. This refund has been credited back to the card that was used to enroll in our services, and no further charges will be incurred.
Since the concerns mentioned in the original complaint have been addressed, we therefore consider this matter closed.  If you have any questions regarding the foregoing, please do not hesitate to contact Customer Support at ###-###-####.
Sincerely,
Customer Support
Instant Checkmate

Dear Ms. [redacted]...


This email is in response to the consumer complaint from Mr. [redacted]; reference #[redacted]. We request that Mr. [redacted] please read this response in its entirety, as we have included important refund information at the bottom.
Instant Checkmate.com compiles reports from millions of public records including information provided by state and local governments. All of the information contained in our reports is part of what is referred to as the "public record."
We do apologize for any confusion Mr. [redacted] may have experienced regarding our services. Some customers are under the impression that when you purchase a membership with our company you are paying for records; unfortunately, this is not the case. The service that is provided is actually the compiling of all the public records data and the sorting of the data into an easy to read format. When a customer pays for a public records search, we do guarantee that we will search every database available to us, however, we cannot guarantee which records will or will not show up in the final report since we are not in control of the records themselves. We simply display records as they are provided to us.
We get our information from local county courthouses and census bureaus. This information is then uploaded to the database that we pull from. There is a possibility that some information may not show on a given individual because some state and local laws restrict us from accessing certain records which may not be considered “public” in that jurisdiction. There also exists the possibility of false positives, and more than one individual with the same name and basic information may match up with many other records. For these reasons, search results are filtered by "most likely," "likely," and "somewhat likely." The following disclaimer is also posted on every page of our website:
DISCLAIMER: It is PROHIBITED by law to use our service or the information it provides to make decisions about consumer credit, employment, insurance, tenant screening, or for any other purpose subject to the Fair Credit Reporting Act, 15 USC 1681 et seq.  Instant Checkmate does not provide consumer reports and is not a consumer reporting agency. The information available on our website may not be 100% accurate, complete, or up to date, so do not use this information as a substitute for your own due diligence, especially if you have concerns about a person’s criminal history. Instant Checkmate does not make any representation or warranty about the accuracy of the information available through our website or about the character or integrity of the person about whom you inquire.  For more information, please review Instant Checkmate Terms of Use.
Disclaimer of Warranties.
a) Instant Checkmate DOES NOT GUARANTEE THE ACCURACY OF INFORMATION FOUND ON THE SITE OR THROUGH THE SERVICES. USE OF THE SITE, THE SERVICES AND ANY DATA ACCESSED WHILE USING THE SITE OR THE SERVICES IS AT YOUR SOLE RISK. THE SITE, THE SERVICES AND ALL CONTENTS OF EACH ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.
b) Instant Checkmate DOES NOT WARRANT THAT THE SITE OR SERVICES WILL MEET ANY REQUIREMENTS OR NEEDS YOU MAY HAVE, OR THAT THE SITE OR SERVICES WILL OPERATE ERROR FREE, OR IN AN UNINTERRUPTED FASHION, OR THAT ANY DEFECTS OR ERRORS IN THE SITE OR SERVICES WILL BE CORRECTED, OR THAT THE SITE OR SERVICES ARE COMPATIBLE WITH ANY PARTICULAR PLATFORM. Instant Checkmate IS NOT OBLIGATED TO PROVIDE ANY UPDATES TO THE SITE OR SERVICES.
c) Instant Checkmate DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE MATERIALS ON THIS SITE OR SERVICES IN TERMS OF THEIR TIMELINESS, CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. WHILE Instant Checkmate MAKES REASONABLE EFFORTS TO PROVIDE ACCURATE AND TIMELY INFORMATION ON THE SITE, YOU SHOULD NOT ASSUME THAT THE INFORMATION PROVIDED IS ALWAYS UP TO DATE OR THAT THE SITE CONTAINS ALL THE RELEVANT INFORMATION AVAILABLE ABOUT Instant Checkmate. Instant Checkmate UNDERTAKES NO OBLIGATION TO VERIFY OR MAINTAIN THE CURRENCY OF SUCH INFORMATION.
d) Instant Checkmate DOES NOT REPRESENT THAT THE SITE, THE SERVICES OR ANY DATA ACCESSED WHILE USING THE SITE OR THE SERVICES IS APPROPRIATE OR AVAILABLE FOR USE OUTSIDE THE UNITED STATES.
e) Instant Checkmate EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, RELATING TO THE SITE, THE SERVICES AND ANY DATA ACCESSED WHILE USING THE SITE OR THE SERVICES, OR THE ACCURACY, TIMELINESS, COMPLETENESS, OR ADEQUACY OF THE SITE, THE SERVICES AND ANY DATA ACCESSED WHILE USING THE SITE OR THE SERVICES, INCLUDING THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
We apologize that Mr. [redacted] was not satisfied with our services. As a gesture of goodwill, he has been issued a refund in the amount of $44.84, as per the request in the original complaint. This refund has been credited back to the card that was used to enroll in our services, and no further charges will be incurred.
Since the concerns mentioned in the original complaint have been addressed, we therefore consider this matter closed.  If you have any questions regarding the foregoing, please do not hesitate to contact Customer Support at ###-###-####.
Sincerely,
Customer Support
Instant Checkmate