MonitorMyScore.com

While we did receive the cancellation request from the customer, our call records show that it was after the day trial period The customer enrolled in the program on April 4, 2016, and, according to the call records, the customer called and cancelled on April 12, On that date, the agent processed the customer's request to discontinue the membership The customer was not eligible for a refund since it was after the day trial periodOur website and terms of use stated that refunds are not issued after the trial periodThe customer claims that he contacted our company "half a dozen times", but our records show that he called on April 12th and 13th In addition to the calls, we have record of two emails from the customer requesting the cancellation of service These emails were both sent after the trial period ended, April 12th and April 15th.Furthermore, the customer complaint contains other claims about our company and services that are not accurateThe customer claims that he saw an advertisement for our service while applying for a job online MonitorMyScore does not advertise its services in connection with job placements sites The customer also claims that the advertisement persuaded him into signing up for a credit score because it would be reviewed along with his resume MonitorMyScore is not and has never been associated with job placement, resumes, or advertisements on job placement sites.We have made a conciliatory and good faith effort to resolve the concern with the customer

Our records show that the customer successfully and voluntarily enrolled in the MonitorMyScore service on April 4, At that time we generated the customer's credit score and credit report from ExperianThis began the customer's 7-day trial period for which we charged the customer $In accordance with the terms of the service, we attempted to charge the customer for the standard subscription price of $29.99; however, when we attempted to bill the card at the end of the trial period, the bank declined the transactionWe have since billed the customer for services to which the customer had accessThe services include: proactive credit monitoring with notification alerts, credit report, credit score, lost /stolen wallet protection, $50,identity fraud insurance and fully managed fraud victim assistance.In order for an account to be created the customer had to complete the following enrollment process:Provide personal information including name, address, social security number, phone number and email addressVerify identity by accurately answering specific questions related to the customer's own credit reportAuthorize MonitorMyScore to obtain credit dataProvide a valid credit card/debit card for on going subscription payments.However, our records find that there was an email communication that the customer requested cancellation after the full subscription amount was billedDue to the timing of the billing and the request for cancellation, we have issued a refund to the customer for $

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] ? Complaint: [redacted] I am rejecting this response because:I don't know why if you are above board why don't we just listen to my calls(5) to your agentYour advertisement did popped up as I was in process of looking and applying for a jobIt was between the time I clicked on apply for job when it then will leave careerbuilders to the company's siteI don't like being called a liar! Your agent specifically told me she could see that I canceled the same day as accidently joined and it already showed canceled when I did call on April 12th when I saw my bank account was chargedEvery time I called agent apologized and said they could see I was right and will be reimbursedEasy way to clear up is listen to my calls to your agents, also I wish I could show the ad I saw as very deceivingWhy? Because as far as I am concerned you take or charge a lot of money for something every individual can do themselves free of chargeIt is same as stealing from public and that is why ads are deceiving to trick consumerAnd of course you advertise this is all for free from youYou are also not an honest company to write back and make your claimsTo me it is the principal of this matter and you and your company should be ashamed of the way you do businessAlso if listen to calls you will hear your own agent questioning why she works there after I told her my storyTo be told there was no contact number to speak to someone who could help meIn all my years I have never heard of such a thing Regards, [redacted] ***

While we did receive the cancellation request from the customer, our call records show that it was after the day trial period. The customer enrolled in the program on April 4, 2016, and, according to the call records, the customer called and cancelled on April 12, 2016. On that date, the agent processed the customer's request to discontinue the membership. The customer was not eligible for a refund since it was after the day trial period. Our website and terms of use stated that refunds are not issued after the trial period. The customer claims that he contacted our company "half a dozen times", but our records show that he called on April 12th and 13th 2016. In addition to the calls, we have record of two emails from the customer requesting the cancellation of service. These emails were both sent after the trial period ended, April 12th and April 15th.Furthermore, the customer complaint contains other claims about our company and services that are not accurateThe customer claims that he saw an advertisement for our service while applying for a job online. MonitorMyScore does not advertise its services in connection with job placements sites. The customer also claims that the advertisement persuaded him into signing up for a credit score because it would be reviewed along with his resume. MonitorMyScore is not and has never been associated with job placement, resumes, or advertisements on job placement sites.We have made a conciliatory and good faith effort to resolve the concern with the customer

Our records show that the customer successfully and voluntarily enrolled in the MonitorMyScore service on April 4, At that time we generated the customer's credit score and credit report from ExperianThis began the customer's 7-day trial period for which we charged the customer $In
accordance with the terms of the service, we attempted to charge the customer for the standard subscription price of $29.99; however, when we attempted to bill the card at the end of the trial period, the bank declined the transactionWe have since billed the customer for services to which the customer had accessThe services include: proactive credit monitoring with notification alerts, credit report, credit score, lost /stolen wallet protection, $50,identity fraud insurance and fully managed fraud victim assistance.In order for an account to be created the customer had to complete the following enrollment process:Provide personal information including name, address, social security number, phone number and email addressVerify identity by accurately answering specific questions related to the customer's own credit reportAuthorize MonitorMyScore to obtain credit dataProvide a valid credit card/debit card for on going subscription payments.However, our records find that there was an email communication that the customer requested cancellation after the full subscription amount was billedDue to the timing of the billing and the request for cancellation, we have issued a refund to the customer for $29.99.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because:I don't know why if you are above board why don't we just listen to my calls(5) to your agentYour advertisement did popped up as I was in process of looking and applying for a jobIt was between the time I clicked on apply for job when it then will leave careerbuilders to the company's siteI don't like being called a liar! Your agent specifically told me she could see that I canceled the same day as accidently joined and it already showed canceled when I did call on April 12th when I saw my bank account was chargedEvery time I called agent apologized and said they could see I was right and will be reimbursedEasy way to clear up is listen to my calls to your agents, also I wish I could show the ad I saw as very deceivingWhy? Because as far as I am concerned you take or charge a lot of money for something every individual can do themselves free of chargeIt is same as stealing from public and that is why ads are deceiving to trick consumerAnd of course you advertise this is all for free from youYou are also not an honest company to write back and make your claimsTo me it is the principal of this matter and you and your company should be ashamed of the way you do businessAlso if listen to calls you will hear your own agent questioning why she works there after I told her my storyTo be told there was no contact number to speak to someone who could help meIn all my years I have never heard of such a thing
Regards,
*** ***

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
? Complaint: ***
I am rejecting this response because:I don't know why if you are above board why don't we just listen to my calls(5) to your agentYour advertisement did popped up as I was in process of looking and applying for a jobIt was between the time I clicked on apply for job when it then will leave careerbuilders to the company's siteI don't like being called a liar! Your agent specifically told me she could see that I canceled the same day as accidently joined and it already showed canceled when I did call on April 12th when I saw my bank account was chargedEvery time I called agent apologized and said they could see I was right and will be reimbursedEasy way to clear up is listen to my calls to your agents, also I wish I could show the ad I saw as very deceivingWhy? Because as far as I am concerned you take or charge a lot of money for something every individual can do themselves free of chargeIt is same as stealing from public and that is why ads are deceiving to trick consumerAnd of course you advertise this is all for free from youYou are also not an honest company to write back and make your claimsTo me it is the principal of this matter and you and your company should be ashamed of the way you do businessAlso if listen to calls you will hear your own agent questioning why she works there after I told her my storyTo be told there was no contact number to speak to someone who could help meIn all my years I have never heard of such a thing
Regards,
*** ***

Our records show that the customer successfully and voluntarily enrolled in the MonitorMyScore service on April 4, 2016. At that time we generated the customer's credit score and credit report from Experian. This began the customer's 7-day trial period for which we charged the customer $1.00. In...

accordance with the terms of the service, we attempted to charge the customer for the standard subscription price of $29.99; however, when we attempted to bill the card at the end of the trial period, the bank declined the transaction. We have since billed the customer for services to which the customer had access. The services include: proactive credit monitoring with notification alerts, credit report, credit score, lost /stolen wallet protection, $50,000 identity fraud insurance and fully managed fraud victim assistance.In order for an account to be created the customer had to complete the following enrollment process:1. Provide personal information including name, address, social security number, phone number and email address2. Verify identity by accurately answering specific questions related to the customer's own credit report3. Authorize MonitorMyScore to obtain credit data4. Provide a valid credit card/debit card for on going subscription payments.However, our records find that there was an email communication that the customer requested cancellation after the full subscription amount was billed. Due to the timing of the billing and the request for cancellation, we have issued a refund to the customer for $29.99.

While we did receive the cancellation request from the customer, our call records show that it was after the 7 day trial period.  The customer enrolled in the program on April 4, 2016, and, according to the call records, the customer called and cancelled on April 12, 2016.  On that date, the agent processed the customer's request to discontinue the membership.  The customer was not eligible for a refund since it was after the 7 day trial period. Our website and terms of use stated that refunds are not issued after the trial period. The customer claims that he contacted our company "half a dozen times", but our records show that he called on April 12th and 13th 2016.  In addition to the calls, we have record of two emails from the customer requesting the cancellation of service.  These emails were both sent after the trial period ended, April 12th and April 15th.Furthermore, the customer complaint contains other claims about our company and services that are not accurate. The customer claims that he saw an advertisement for our service while applying for a job online.  MonitorMyScore does not advertise its services in connection with job placements sites.  The customer also claims that the advertisement persuaded him into signing up for a credit score because it would be reviewed along with his resume.  MonitorMyScore is not and has never been associated with job placement, resumes, or advertisements on job placement sites.We have made a conciliatory and good faith effort to resolve the concern with the customer.