Your Score And More.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 9900204, and find that this resolution is satisfactory to me
On the 27th of Jan(yesterday) I received a call from Your Score & More to advise me that they refunded the two payment's they took out of my accountIt is too early to tell if this is trueI will check with my credit card provider in four days from the time they called meAgain I will say that I made no arrangments with Your Score & More to allow them to take out additional paymentsThe understanding was I was to pay one dollar for a credit report (that I never received that I know of) and that was allThey claim I agreed, but if I did it was hide some whereThank you for your supportAs soon as I advised them (Your Score & More) that I was filling a complaint with you it got their attentionIf they gave me credit for the two payments I will be even with themI still think they are not a reliable coto do businessIf you don,t hear from me by 02/02/you will know that they did give me credit, Thanks again
Regards,
*** ***

Dear Revdex.com, 
Thank you for advising us of Customer G’s situation and allowing us to look into the account in question. We found the account was registered by the customer under our stated terms of service and billing,...

however, to promote Customer G’s satisfaction, we had earlier processed courtesy refunds on January 26, 2014 for the charges requested. We called Customer G today (January 27, 2014) and confirmed the refunds already processed satisfied the customer’s request. 
 
Please consider the following details regarding this account.  According to our records, Customer G registered for an account and agreed to be billed $1 for a 7-day initial trial and $29.94 each month in the future until the customer elected to cancel the account.  We require all customers to check a box on our registration page which states the consumer has read and agreed with the billing terms and conditions of registering with our website. Our website is secure and a customer account can neither be registered nor charged any amount until the customer submits their agreement with the terms by checking the box. Customer G did so and supplied a form of payment (charge card) to activate his account.
 
We did not receive any correspondence or cancellation requests from Customer G until late on Saturday, 1/25/2014 when Customer G emailed our customer service department to inquire about charges.  In his email, he stated he no longer wanted to maintain his account and he asked for charges to be refunded. We complied and immediately cancelled his account. We also processed courtesy refunds for the charges he requested the following morning (Sunday, 1/26/14).  Our Customer Service Manager also placed a phone call to attempt to speak to Customer G on Sunday, 1/26, to explain the billing protocol. The calls placed to Customer G were unanswered and unfortunately, no voice mail option was available to leave a detailed message. We did send Customer G an email to confirm the account cancellation and noted the courtesy refund on Sunday, 1/26.  Given this Revdex.com complaint was issued very close to the time we processed the refund, it appears we had already addressed the customer’s concern.
 
Upon receiving this Revdex.com complaint we contacted Customer G on Monday, 1/27/14  by phone. We wanted to ensure the customer was fully aware of the actions taken so far and also to be certain he had no additional concerns and was fully satisfied.  In our phone call on 1/27, Customer G confirmed the refunds already issued had resolved his concerns. We believe this issue has now been closed, but if Customer G has any additional questions or concerns, he is welcome to call our Customer Service department for assistance. Thank you.

YEs, this company still doing business like this!!! they cheated me to have a free credit report, then charged as a theft 1 dollar, then after servers days they charged 29!! should we call the cop? It happened on Sep 24, 2016.

Thank
you for notifying us of Customer C’s experience.  We appreciate the
opportunity to research and clarify what occurred with Customer C’s
account. 
 According
to our records, Customer C...

registered for an account on 2/23/2015 and agreed to
be billed $1 for a 7-day trial and $29.94 each month thereafter until the
account is canceled.  We require all customers provide their name,
address, email, phone number, and complete credit card number on our website in
order to register.  Customer C would have registered directly on our
website, www.yourscoreandmore.com. 
We are not associated with and do not recognize the name Customer C refers to
in her complaint, myscore.com. 
 Please
know we keep a robust tracking system that time stamps all correspondence
including account registrations and confirmed cancellations.  We do not
show any record in our system of any previous cancellation requests until
3/09/2015 when Customer C canceled the service via our customer service
department.  In this phone call, Customer C stated she had canceled within
the trial period and requested a refund of the monthly fee.  We explained
we have no record of cancellation.  Our system automatically generates a
cancellation number to all customers upon account cancellation which is emailed
directly to the email address used to register the account.  
Customer
C also references the phone numbers she used to contact us, one of which is NOT
our company’s customer service phone number, but a roadside assistance hotline:
###-###-####.  The other phone
number she references is our customer service phone number.
 During
this phone call on 3/9/15, we agreed to refund Customer C the disputed
amount of $29.94. 
 Upon
receipt of this complaint, we called Customer C at the number listed on the
complaint but were unable to reach her.  We left a voice message
confirming the refund of $29.94, had already been processed per her request on
3/9/15.  It may take 1 – 4 business days for the refund to post back to
Customer C’s account.  We are confident this resolves Customer C’s
concern.

Thank you for sending us Customer H’s comments. After researching his account, we can confirm we did cancel his account per his request on January 19 and also processed a void that same day to cancel the pending charge of $29.94 as a courtesy. This occurred prior to...

receiving this Revdex.com complaint, so we want Customer H to be assured that the charge in question was not processed and he should receive access to the $29.94 amount as soon as his bank releases funds back to his card.
Here is additional information that is important to note about this account.  According to our records, Customer H registered for an account on 1/09/2013. In order to register an account, each customer, including Customer H, is required to confirm their agreement to to be billed $1 for a 7-day initial trial and also $29.94 each month after the trial ends,  until the account is canceled.  These pricing and billing terms are clearly stated on the registration page. To verify a customer has read and understands these terms, we also require all customers to check a box on our registration page which states the consumer has read and agreed with the billing terms and conditions of registering with our website. Our website is secure and a customer account cannot be registered nor charged any amount until the customer submits their agreement with the terms by checking the box.   Customer H did so when registering his account.
We did not receive any correspondence or cancellation requests from Customer H until 1/19/2014 when Customer H cancelled his account by using our automated phone system. His account was immediately cancelled. On the same day, we also received an email from Customer H inquiring about the charge and requesting it be refunded.  Although his account had been open and available for use, we made an exception and processed a void of his first charge. This void was also processed successfully on the morning of 1/19/2014.
We received this complaint on 1/21/14 and attempted to contact Customer H by phone to confirm that the void was previously processed, and to ensure he was satisfied. Our calls to Customer H were unanswered.  There was no option to leave a voice mail on his phone number. We invite Customer H to contact our Customer Service department if he has any outstanding concerns, however we believe the actions already taken promote customer satisfaction. Thank you.

Thank
you for notifying us of Customer M’s experience with our service.  We
appreciate the opportunity to research and comment on what occurred with
Customer M’s account. 
class="MsoNormal">As
Customer M states, she registered an account for our service on 7/5/15 and
agreed to be billed $1 for a 7 day trial membership and a monthly membership
fee each month thereafter until the account is canceled.  The Terms of Use
and Pricing Information are clearly displayed on our registration page, and we
require each member to check a box stating they have read and agree to the
terms of use and pricing information, prior to registering the account.
We do
not show any further correspondence from Customer M until she called our
customer service department on 7/15/15 to inquire about the account.  Our
customer service agent cancelled the account at that time.
Our
Customer Service Supervisor left Customer M a voice message on 7/21/15 stating
that a full refund has been provided.  We believe we have completely
resolved Customer M’s concern and would consider this matter closed.

Thank you for sending us Customer M.S.’s comments. We have
investigated the account history and found that the issue was previously
resolved to the customer’s satisfaction. We confirmed a refund in the disputed
amount had been processed on June 6. We have also...

reviewed the communications
provided by the Customer Service agents involved to ensure they are providing consistent,
quality communication that meets our high customer service standards. We are
sorry if Customer M.S. misunderstood the earlier directions or actions
communicated over the phone and in emails. For additional information, please
consider this additional information about the account involved.
According to our records, Customer M.S. registered for an
account on 3/25/2014 and agreed to be billed $1 for a 7-day trial for our
service, which includes access to one credit score and report. The purchase
terms stated the account may be cancelled any time and if the account remains
open after the 7-day trial period ends, the account would remain open and
provide ongoing benefits for a price of $29.94 each month thereafter until the
customer cancels and closes the account. 
We display our billing protocol on our registration page and require all
customers to check a box stating they have read and agree with our pricing,
billing and terms of use. On March 26, Customer M.S. called our Customer
Service department and requested an additional service which costs and
additional one-time fee of $19.95 for three months access to three credit
scores and reports.  We did not receive a
cancellation request for the basic service (registered on March 25)  during the trial period and subsequently
maintained the account open and available for Customer M.S. as of April 1. The
first monthly charge was applied at that time, per the purchase terms.
On April 4, Customer M.S. called our customer service
department to cancel his account and requested a refund for the service,
although he had maintained full access to it and the account benefits. In this
phone call we explained our billing protocol and account terms.  We sent Customer M.S. a cancellation
confirmation email at that time. We did not receive additional communication
from Customer M.S. until June 6 when he contacted us seeking assistance to
access his cancelled account. At that time, we discovered Customer M.S. had
filed a charge back with his credit card issuing bank. This action causes an
account to be locked pending bank review, so Customer M.S. could not access his
account at the time. In order to promote customer satisfaction, on June 6, we
elected to refund Customer M.S. the $19.95 charge for his additional service
purchase. That refund was processed on June 6. Upon receiving this complaint we
again confirmed the account remains cancelled and no further charges will be
applied, and the refund was processed. We attempted to call Customer M.S. on June
10 to review this history and advise him personally of the status. Our calls to
Customer M.S. were unanswered. However, we can confirm Customer M.S. was
refunded $19.95 on June 6, and are confident this resolves Customer M.S.’s
concerns.

Thank
you for notifying us of Customer F’s experience with our service.  We
appreciate the opportunity to research and comment on what occurred with
Customer F’s account. 
class="MsoNormal">We
contacted Customer F directly on 10/5/15 to review her account and discuss her
concern.  We reviewed her account together and found that Customer F did
in fact register an account for our service on 8/10/15 and agreed to be billed
$1 for a 7 day trial membership and a monthly membership fee each month
thereafter until the account is canceled.  The Terms of Use and Pricing
Information are clearly displayed on our registration page, and we require each
member to check a box stating they have read and agree to the terms of use and
pricing information, prior to registering the account.
There
are several pieces of information we have confirming that Customer F signed up
for our service.  The CVV code was an exact match, meaning the payment
card was in the users hand at the time of registration.  Secondly, the
email address and phone number she provided during registration match the email
and phone number included in the complaint.  We sent a registration
confirmation email to Customer F at the same email she used to report her
complaint.  Our registration email includes all terms of our membership. 
Lastly, Customer F successfully went through the credit bureaus’ authentication
process during registration.  This process requires a user to verify their
identity by answering specific questions based on the user’s personal credit
information.  The authentication process is designed by the credit bureaus
to reduce fraud and misuse of the service. 
Customer
F cancelled the service on 8/18/15, without speaking to a customer service
representative, using our IVR telephone system, which was after the trial period
had expired.  We are sorry she felt she could not contact us directly
prior to contacting the Revdex.com as our customer service representatives are
available Monday – Friday from 6am – 6pm PST and on the weekends from 9am – 5pm
PST.  We are also available for 24 hours, 7 days a week via email. 
All of our contact information can be easily found on our “Contact Us” page on
our website.
After
reviewing this information with Customer F, and despite the confirmation that
she did register for our service, a full refund has been provided to Customer
F.   She confirmed she received the email we sent including the
refund information, and stated she is completely satisfied with this
resolution, so we consider this matter closed.

Thank
you for notifying us of Customer R’s experience with our service.  We
appreciate the opportunity to research and comment on what occurred with
Customer R’s account. 
Customer
R registered an account for our service on 7/22/15 and agreed to be billed for a 7 day trial membership and a monthly membership fee each month thereafter
until the account is canceled.  The Terms of Use and Pricing Information
are clearly displayed on our registration page, and we require each member to
check a box stating they have read and agree to the terms of use and pricing
information, prior to registering the account.  Additionally, when signing
up, there are 3 security questions, specific only to the member.  All 3 of
these questions were answered correctly within the 5 minute time frame allotted
during registration.
We do
not show any further correspondence from Customer R regarding the
account.  It is unfortunate that Customer R did not contact us directly to
resolve her concern.  Our contact information including email and phone
number are easily accessible on our website.  We have live customer
service representatives available from 6am – 6pm PST each weekday, and from 9am
– 5pm PST on the weekends.  They can answer all billing questions as well
as assist in navigating the website.
When we
received this notice, our Customer Service Supervisor contacted Customer R at
the phone number we have on file.  Please note this is also the phone number
listed on the complaint.  Unfortunately we were unable to reach Customer
R, but left a voice message on 10/28/15 stating that a full refund has been
provided.  We believe we have completely resolved Customer R’s concern and
would consider this matter closed.

I gave this company my financial info and was charged but never got any report. As a matter of fact, I was redirected to another site. My account was immediately charged $1 and I'm afraid they will continue to charge the $29.95/month charge after 7 days. I would not recommend anyone doing business with this company. They appear very fraudulent in their dealings. I did not search out this company but they appeared when I was attempting to log in to my online banking account.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10567703, and find that this resolution is satisfactory to me.
Thank you Revdex.com for your interaction as I believe this would not have been resolved without you.  Thank you so much.  
Regards,
[redacted]

I had an inquiry during a large purchase for my credit rating, made the purchase and then was instructed that I should use given phone number to contact credit bureau for free credit rating. I did this and did read I would be charged a dollar. The ad that came up did not have any fine print or any message as to joining for service and I did not see any writing that told me I was signing up for a trial period. I read it was free and this should have meant it was free. I also was informed I would get ratings from all three bureaus and could only get from one. My credit card was charged the $1.00 on 2/5/15 by "yourscoreandmore". On 2/12/15 I had a charge of $29.94 by the same name. I called the number given only to find the office closed and if I wanted to opt out to press one. I pressed one and no more contact. How do they know it was me? Now that I am investigating and go to advertisements, all say about the $1.00 charge, 7 day trial period, and membership cost by the month, This is very sad that any company is so deceitful and takes advantage of people in this way. Unless the customer wants to monitor their credit score every month, I would suggest do not even try to get your free score as it will only be one and not three as they say. Also I do not even see how you opt out before the 7 day charge takes effect.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10525590, and find that this resolution is satisfactory to me.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10835588, and find that this resolution is satisfactory to me.
However It is incorrect that I had any part of the transaction "in my hand" at ANY time (as their letter categorically states is the case) as
my entire initial contact with Score and More was on- line.
Regards,
R[redacted]

Thank
you for notifying us of Customer L’s experience with our service.  We
appreciate the opportunity to research and comment on what occurred with
Customer L’s account. 
class="MsoNormal">Customer
L registered an account for our service on 2/11/16 and agreed to be billed for
a 7 day trial membership and a monthly membership fee each month thereafter
until the account is canceled.  The Terms of Use and Pricing Information
are clearly displayed on our registration page, and we require each member to
check a box stating they have read and agree to the terms of use and pricing
information, prior to registering the account.  Additionally, when signing
up, there are 3 security questions, specific only to the member.  All 3 of
these questions were answered correctly within the 5 minute time frame allotted
during registration.
We do
not show any further correspondence from Customer L until 3/21/16 when we received an email, requesting that his account be cancelled.  Upon receipt of
Customer L’s email we cancelled the account.  A full refund has been
provided to Customer L and our Customer Service Manager has spoken with
Customer L and confirmed that he is fully satisfied with this resolution,
therefore we would consider this matter closed.

Review: In September I had signed up for a credit score report from Your Score and More.The advertised charge was for a dollar.I paid with my credit card. Next thing I know my card was charged for 29.94 for a subscription. They did not provide me with what I wanted so I canceled right away.They did not provide me with a conformation number or any other info and the person I talked to said that all was will not to worry.October went by then first of November I saw that they tried to charge my card again. I notified my credit card co. that this was a fraudulent charge not to honor it. I was told they could not do anything until Your score sent info to credit card co.I contacted Your score and they said That I had not canceled and they needed a confirm number of which I did not have.I am contacting you to complain about this problem because these Internet co. seem to think they can do what ever they want and to hell with the public.I want to do what I can to expose these co. and their fraudulent practices and get my money beck I do not trust them to follow through with this so I am contacting you for Help I have already filed a criminal complaint with the states Attorney's office and wish to do the same with the Revdex.com maybe if some of these business owners were facing prison time they might just stop so Please help to put and end to this.I also had to cancel my credit card and I am tired of this cause this is about the 2nd or third time I have had to do this.PLEASE HELP!!!!Desired Settlement: refund + maybe shut down this business and maybe put the owner in jail for a time.

Business

Response:

We have reviewed Customer P’s complaint. Thank you for alerting us of the customer’s concerns and allowing us an opportunity to investigate the situation. We respectfully disagree with the allegations and claims made regarding unauthorized or fraudulent charges. Please also note that we had processed a requested refund prior to the customer filing this complaint. After receiving this complaint and researching the account history, we also contacted Customer P by telephone to discuss what had transpired. Please consider the following information regarding the activity with this account.

According to our records, Customer P registered for an account on 9/17/2013. To open this account on our secure website, Customer P was required to agree with our stated service pricing and billing terms. This agreement and authorization to process charges was granted by Customer P when he checked a box agreeing to our terms, after he submitted his credit card form of payment. No account can be activated and no charges can be processed on our secure website without the customer consenting to these terms, which Customer P did by checking the box in agreement. These terms included a $1 charge to open the account and provide access to the account for a 7-day trial. Following the end of the 7-day trial, ongoing charges were stated to bill at the amount of $29.94 per month thereafter until the customer cancels the account. Future billing stops immediately upon cancellation. We process all cancellations immediately upon receipt and we issue a unique cancellation number directly to the customer on our webpage and also send this number in a cancellation email to each customer. We also log this number in our customer service system to confirm the date and time of cancellation. We also automatically make notes and time-stamp all customer communications and cancellation requests we receive, whether by phone, email or directly through our website.

We did not receive any correspondence or cancellation requests from Customer P until 11/5/2013 when he called our customer service department to inquire about charges. On this call, Customer P stated he thought he had previously cancelled his account and was requesting a refund for charges that had occurred, since he believed we charged him after he thought the account was cancelled. Our customer service representative explained we had no record of cancellation for this account, so we had charged his card and kept his account active, per his purchase agreement. Our service representative asked Customer P if he could provide a cancellation number for us to reference and research when and how the account was cancelled. Customer P had no record of the previous cancellation, but was adamant one had occurred. Despite our terms of use stating that all billing was non-refundable, we immediately processed a courtesy refund.

Although the refund was immediately processed through our system on 11/5, the bank which issued the customer’s credit card may require up to 5 business days to post the credit back to the customer’s account. To give Customer P confidence that the refund would post as soon as possible, we took an extra measure by contacting his bank directly and issuing a merchant release for this $29.94 refund. Doing so allowed the bank to expedite the processing of the credit. Our understanding is that the bank has done so for Customer P’s credit card. We also refunded Customer P the $1 (one dollar) charge made when he authorized registration of his account in September. This $1 refund was processed on 11/6. These refunds represent credits for the total of all (two) charges our company ever made to his card for establishing and maintaining his account.

To summarize, we did not charge this, or any, credit card without first gaining the customer’s authorization at time of account registration. We did not receive a prior cancellation request for this account, and based on our conversation with Customer P, there is a possibility he had recalled a conversation he had with a different company, thinking he had cancelled the account with our company when it was not. We have acted swiftly and cooperated in helping the customer resolve his concern. We wish Customer P well.

Consumer

Response:

Review: 9792462

I am rejecting this response because: your score and more says that I did not cancel subscription when in fact that I did because If I did not cancel than why didn't they charge me in September after the 7 day trial period and then again in October. Then charge me in November. If I did not cancel why did they pass up the opportunity to collect another 60.00 dollars for 2 months subscription. That proves that they are falsifying their claim that I did not cancel and did not inform my credit card co. as well as not giving me a transaction conformation Number.

Regards,

Business

Response:

We’re sorry Customer P does not accept the written information already presented, however, we have addressed the complaint and provided supporting information. We have not performed any actions that were not in accordance with our stated Terms. In addition, we have held two telephone conversations in good faith with Customer P to review these same details in an attempt to verbally communicate the circumstances. Unfortunately, Customer P simply does not wish to accept our explanation.

Review: I took out service with this company on 3/27/14 to obtain my three credit scores for $19.95 in which I was charged. On 3/28/14, I was charge an additional $1.00 for what I don't know. On 4/3/14, I was charged $29.95 for a credit protection plan that I did not request. I called in and spoke to their representative and she cancelled the credit protection plan and confirmed that I had access to all three of my credit reports and scores for a three month period. This representative went on to tell me in order for me to obtain my refund back to my credit card I needed to go on their website and request it. I did just as I was instructed to do so. Two weeks went by and no refund. I called back in to them and was told the same exact thing to request refund online using their "Member Services" tab on their online email. A couple of more weeks passed by and no refund. Thus, I contacted my bank to dispute the charges since Your Score and More failed to refund the $29.95 has confirmed. I provided the cancellation number as provided by Your Score and More and obtained a refund for $29.95. On 6/6/14, I go to access my account, since I did pay for three months of service at $19.95, and I can't access it. I call Your Score and More and their representative tells me that my account has been cancelled yet they never refunded me my $19.95. Reasoning for the cancellation is because I had my bank dispute the charges and I got refunded for a charge that was already suppose to be refunded to me by them but they never did after two attempts. But I find it ironic they can now refund me $19.95 directly without me going online to their email account. Poor practices bordering fraud, unprofessional and very poor customer service for something that was a simple fix. Representatives there need better training and be able to problem solve.Desired Settlement: Want to confirm that I am getting refunded $19.95 for the service that I was suppose to have.

Business

Response:

Thank you for sending us Customer M.S.’s comments. We have

investigated the account history and found that the issue was previously

resolved to the customer’s satisfaction. We confirmed a refund in the disputed

amount had been processed on June 6. We have also reviewed the communications

provided by the Customer Service agents involved to ensure they are providing consistent,

quality communication that meets our high customer service standards. We are

sorry if Customer M.S. misunderstood the earlier directions or actions

communicated over the phone and in emails. For additional information, please

consider this additional information about the account involved.

According to our records, Customer M.S. registered for an

account on 3/25/2014 and agreed to be billed $1 for a 7-day trial for our

service, which includes access to one credit score and report. The purchase

terms stated the account may be cancelled any time and if the account remains

open after the 7-day trial period ends, the account would remain open and

provide ongoing benefits for a price of $29.94 each month thereafter until the

customer cancels and closes the account.

We display our billing protocol on our registration page and require all

customers to check a box stating they have read and agree with our pricing,

billing and terms of use. On March 26, Customer M.S. called our Customer

Service department and requested an additional service which costs and

additional one-time fee of $19.95 for three months access to three credit

scores and reports. We did not receive a

cancellation request for the basic service (registered on March 25) during the trial period and subsequently

maintained the account open and available for Customer M.S. as of April 1. The

first monthly charge was applied at that time, per the purchase terms.

On April 4, Customer M.S. called our customer service

department to cancel his account and requested a refund for the service,

although he had maintained full access to it and the account benefits. In this

phone call we explained our billing protocol and account terms. We sent Customer M.S. a cancellation

confirmation email at that time. We did not receive additional communication

from Customer M.S. until June 6 when he contacted us seeking assistance to

access his cancelled account. At that time, we discovered Customer M.S. had

filed a charge back with his credit card issuing bank. This action causes an

account to be locked pending bank review, so Customer M.S. could not access his

account at the time. In order to promote customer satisfaction, on June 6, we

elected to refund Customer M.S. the $19.95 charge for his additional service

purchase. That refund was processed on June 6. Upon receiving this complaint we

again confirmed the account remains cancelled and no further charges will be

applied, and the refund was processed. We attempted to call Customer M.S. on June

10 to review this history and advise him personally of the status. Our calls to

Customer M.S. were unanswered. However, we can confirm Customer M.S. was

refunded $19.95 on June 6, and are confident this resolves Customer M.S.’s

concerns.

Review: On or about 8/19/15 I contacted Your Score & More on-line because they offered FREE credit score (s).The web page shifted to another unrelated page just after it stated something like "free for the first (X#) of days. In my bank statement of 9/15/15 I found,designated as "Recur Payment 8/19/1516:55 5139 YourScore&Mo 855YourScore& Goleta CA 242289" a charge of 29.94I have never received any scores & the charge that was advertised as deferred was charged immediately....& I do not know how they got my bank card #. I want to cancel this transactiona receive a refund of the 29.94 charge, & above all I hereby refuse any further "recurring payments& have instructed my bank that I consider this charge to be fraudulent.I am 80 years old & am horrified by the disrepute into which such crookedness has brought American business.Desired Settlement: Cancel whatever transaction seems to have occurred & refund charge of $29.94

Business

Response:

Thank

you for notifying us of Customer F’s experience with our service. We

appreciate the opportunity to research and comment on what occurred with

Customer F’s account.

We

contacted Customer F directly on 10/5/15 to review her account and discuss her

concern. We reviewed her account together and found that Customer F did

in fact register an account for our service on 8/10/15 and agreed to be billed

$1 for a 7 day trial membership and a monthly membership fee each month

thereafter until the account is canceled. The Terms of Use and Pricing

Information are clearly displayed on our registration page, and we require each

member to check a box stating they have read and agree to the terms of use and

pricing information, prior to registering the account.

There

are several pieces of information we have confirming that Customer F signed up

for our service. The CVV code was an exact match, meaning the payment

card was in the users hand at the time of registration. Secondly, the

email address and phone number she provided during registration match the email

and phone number included in the complaint. We sent a registration

confirmation email to Customer F at the same email she used to report her

complaint. Our registration email includes all terms of our membership.

Lastly, Customer F successfully went through the credit bureaus’ authentication

process during registration. This process requires a user to verify their

identity by answering specific questions based on the user’s personal credit

information. The authentication process is designed by the credit bureaus

to reduce fraud and misuse of the service.

Customer

F cancelled the service on 8/18/15, without speaking to a customer service

representative, using our IVR telephone system, which was after the trial period

had expired. We are sorry she felt she could not contact us directly

prior to contacting the Revdex.com as our customer service representatives are

available Monday – Friday from 6am – 6pm PST and on the weekends from 9am – 5pm

PST. We are also available for 24 hours, 7 days a week via email.

All of our contact information can be easily found on our “Contact Us” page on

our website.

After

reviewing this information with Customer F, and despite the confirmation that

she did register for our service, a full refund has been provided to Customer

F. She confirmed she received the email we sent including the

refund information, and stated she is completely satisfied with this

resolution, so we consider this matter closed.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10835588, and find that this resolution is satisfactory to me.

However It is incorrect that I had any part of the transaction "in my hand" at ANY time (as their letter categorically states is the case) asmy entire initial contact with Score and More was on- line.

Regards,

R[redacted]

Review: In April, 2012, I received a charge to my credit card for a credit report service. I originally signed up for a free credit report for $1. Now I was being charged an additional $99. I called immediately and asked that this service be cancelled and the charge removed. This was done. I again received the charge on my credit card in May. I again called and asked that the charge be removed, that I had cancelled and wanted to be taken off any lists.Today, I received another charge for $99 on my credit card. I called again and was told that the service had not been cancelled and that I needed to fill out a form sent by email to request a refund, that the process would take 10-12 days and that I would get a refund 2 weeks after that. I have yet to receive the form and find it incredible that this company continues to charge me for a service that I cancelled a year ago. And what a lot of red tape to get my money back!This is a copy of what was listed on my credit card as the source of the charge.NIC*YOURSCOREANDMORE ###-###-#### CAREFERENCE 24054495TLDMHMTM0Desired Settlement: I would like my credit card to be credited the $99 immediately, for the company Your Score and More to be disciplined for such shoddy business practices and I would like to never hear from them ever again!

Business

Response:

Thank you for notifying us of Customer F’s concern. We have

researched this customer’s account and also contacted the customer to clarify

any misunderstanding. We also made an exception to the service terms the

customer previously agreed to and processed a refund as a courtesy to this customer.

Please review the following information concerning this

customer’s account history and how the concern was resolved. Customer F

registered for an account on 12/26/2012 and agreed to be billed $1 for a 7-day

trial, and then pay $99.00 in semi-annual payments thereafter until the

customer elected to cancel their account.

Please note, our billing terms of service are clearly displayed at the

time a customer completes their account registration, and we also require all

customers to check a box confirming they agree with the stated terms for

pricing, billing and services purchased.

We can neither activate any account nor charge any fees until a customer

confirms they accept the terms by checking this box. Customer F did so.

We did not receive any correspondences or cancellation

requests from Customer F until 7/07/2013 when Customer F called our customer

service department to inquire about the charge.

We immediately canceled her account and explained the billing protocol. We went on to explain that we had no record of

a previous cancellation request for this account.

Upon receiving this complaint, we contacted Customer F on 7/08/13

at the number listed on the complaint to resolve this issue. Customer F stated in that conversation that

she thought she had cancelled the account in April of 2012. We explained that the account was not

registered until December of 2012 and therefore could not have been cancelled

prior to being registered. Customer F

agreed it could be possible that she cancelled a similar service provided by a

different company. While we do maintain

a no-refund policy, we wish to resolve this issue and as a result, we have

refunded the disputed amount of $99.00 in efforts to resolve the customer’s

concern. The customer confirmed this refund

provides full satisfaction.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 9611793, and find that this resolution is satisfactory to me.

Regards

They asked for my credit card for $1.00 to see my credit score. They then charged my card 29.94 a few weeks later. I never did see my score for the one dollar and never agreed to the monthly membership 29.94.I called them today when it showed up online and am now waiting up to 7 days for a refund...will check back later if and when they refund my money!