Your Score And More.com

Review: I discovered some unauthorized charges on our Visa card with the Merchant listed as Yourscoreandmore.com.When I called them they initially insisted that I must have authorized the charges even though they had no record of my name, address, email, or phone number. All they had was my credit card number. When I asked them who had the account with that credit card number they gave me the name and address of a person unknown to me in Eden Valley, MN. It is my understanding that Yourscoreandmore should NOT have approved the charges unless the address matched the Visa billing address, which it obviously did not.Desired Settlement: FYI Only - For a company that purports to be in business to safeguard people's credit they don't seem to have done a very good job with my Visa account. Also given the nature of Yourscoreandmore's business I am concerned about what information about me and my finances they may have provided to this party in MN. A police report was filed in CA for the individual named in MN.

Business

Response:

Thank you for bringing this issue to our attention. While our company employs measures to guard against fraudulent account registration, we are investigating how this particular situation occurred. The individual using the third party credit card in question was able to circumvent security processes and initiate charges to that card. After being notified by customer J.S. of the suspicious activity with the credit card, we fully refunded all charges made to date to the card involved.

We understand customer J.S.’s concern about his personal and financial information. The third party who registered the account used a completely different name and never attempted to obtain any information related to the name of J.S. Customer J.S. should rest assured that no personal or financial information was requested or delivered through our services. The unauthorized credit card charge is the only action taken by the third party.

To avoid repeat actions by the third party involved, both the credit card used in this transaction and the information used by the third party to open the account have been banned from future acceptance in our systems.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 9675784, and find that this resolution is satisfactory to me.

Regards,

Review: I am filing this complaint against yourscoreandmore.com because they said that they would re-deposit my money in the bank. They have not done so. Every time that I call them, they keep telling me to call my back. When I talk to my bank, they tell me to call yourscoreandmore.com. So, I am tired of this run around. They just need to give me my refund and stop this mess of me calling them and calling my bank. This bad business practice on their part, when they said that they would refund my money back into my bank account in a few days. They told me that the bank processes it differently. I think that this is a crock of crap, because I am going a week and half now without the money that they promised to refund back into my bank account. I need this issue resolved immediately.Desired Settlement: I just want my money back in my bank account. I believe the the total is 29.95 that they had promised to put bank account. This needs to be resolved now.

Business

Response:

Thank you for notifying us of Customer T’s concern. We have researched the activity on this account, and confirmed that the $29.94 charge in dispute was voided on 11/12/2013. In other words, our company cancelled the customer’s pending charge on that day and never collected the funds through the customer’s charge card. The customer believes we are able to return funds to his card, however, we did not received the funds in the first place due to charge being voided. Our Customer Service Representative provided this information earlier to Customer T along with the suggestion for him to contact his bank. At this point, the customer’s card issuing bank may be holding the amount as a pending transaction. This is out of our control. Banks have varying independent policies on how many days they may hold a reserve on a voided charge. This is why we suggested Customer T contact his bank for information about when the $29.94 in question would be released by the bank.

Upon voiding this charge on 11/12/2013, we also sent Customer T an email with an explanation. The copy of that email follows (with specific name and account information edited out for the customer’s privacy and security purposes):

“Hello Jxxxxxxx,

Thank you for contacting us. Your account was canceled on 11.12.2013. Your cancellation reference number is 4000xxxxxxxxxxxxxxxx. We have voided the pending charge of $29.94 which ensures we will not collect this amount and you will not be billed. Your credit card company will return this amount back to your available balance, typically within a few business days.

If you need an exact date for when these funds will be available for other purchases, please contact your card company or bank for the details of your Cardholder Agreement. Your account is canceled and you will not be billed again.

Sincerely,

[redacted].

YourScoreAndMore.com

Customer Support

support@Yo[redacted]e.com “

Upon receiving this complaint we attempted to contact Customer T on 11/25/13 in efforts to resolve this complaint. We were unsure as to the reason for the complaint since the requested resolution was already issued with the voided charge on11/12/13. Our calls to Customer T were unanswered. We again can confirm the $29.94 charge in question was voided on 11/12/2013 and we never collected the funds. We invite Customer T to contact his bank directly for status on his card activity. If we can provide further assistance to Customer T in this regard, we would be happy to have Customer T contact us.

Review: yourscoreandmore.com charged my credit card for a monthly fee for some internet virtual real estate service that I never authorized or subscribed for. what is most offending is how hard yourscoreandmore has fought my attempts to get this matter resolved. they are professional disputers. in my opinion, they are scam artists. I am a professional with several graduate degrees. I am not some mn. I read things pretty thoroughly, YOURSCOREANDMORE has deliberately made what they are doing difficult to discern by the user of their site. that to me is dishonest and deceiving. I made the mistake of going on their site for my "free" credit report. the site asked for my credit card to process a $1 administrative fee. That is where they get you. now they have your card number and feel it is okay to steal from you by misleading you and misrepresenting what they are doing. I never signed up for any service from them. I paid my $1 and checked a box to get my score, that's it. somewhere in the fine print this cheating stealing company says you are signed up for a trial subscription for some stupid service that you never would want. You now have to cancel in 7 days or you get charged. These guys are sharp, they don't charge your card until after the time period expires to supposedly cancel this service you never signed up for. I watch my credit card statements online every day. I called AMEX day the charge appeared on my card and oops, too late, I owe them $29.94. This is stealing folks, pure and simple, and they get away with it. I challenged the charge on my credit card and YOURSCOREANDMORE has the nerve to fight it tooth and nail. They have some service send a big long canned response to the credit card company, a little too professional but they must send out thousands of these. I am offended at their business practices, I am angry at how hard they fight for their ill gotten fees and I will pursue this with legal authorities including Attorney Generals in California and Massachusetts.Desired Settlement: I want my money back and I want an apology.

Business

Response:

Thank

you for notifying us of Customer G’s experience with our website. We

appreciate the opportunity to research and comment on what occurred with

Customer G’s account.

Our

records indicate that on 2/6/2015 Customer G registered for an account and

agreed to be billed $1 for a 7-day trial and $29.94 each month thereafter until

the account is canceled. The offer terms, titled "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 and conditions and pricing information, prior to registering the account.

On

2/26/15, we show the customer called our customer service department and cancelled

the account using our automated IVR system. Because Customer G did not

speak with a live representative, we did not have the opportunity to resolve

Customer G’s concerns at that time.

Upon

receiving this complaint, our customer service supervisor emailed Customer G on

4/8/15, confirming the account was cancelled on 2/26/15, and stated that a

refund had been granted for the monthly membership fee that had been charged to

his account This refund will post back to his bank within 1-4 business days.

The supervisor also called Customer G at the number listed to register

the account. Customer G thanked us for the refund and expressed

appreciation that we reached out to him in order to resolve his concern.

Based on Customer G’s comments during this phone conversation we are confident

this fully resolves his concerns

Consumer

Response:

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,

Review: I gave this YourScoreandMore my credit card No. for a one time service that was advertised as free, to get my credit score/report. One dollar was to be taken out for this service. That was all I agreed to. Now they have taken out $29.94 twice that I know of for what I do not know. This one and only service was the only time I have received. I want them to stop using my credit card for these payments and would like my payments that they took out returned to my account.Desired Settlement: As above in my Complaint Description.

Business

Response:

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.

Consumer

Response:

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 account. It is too early to tell if this is true. I will check with my credit card provider in four days from the time they called me. Again I will say that I made no arrangments with Your Score & More to allow them to take out additional payments. The understanding was I was to pay one dollar for a credit report (that I never received that I know of) and that was all. They claim I agreed, but if I did it was hide some where. Thank you for your support. As soon as I advised them (Your Score & More) that I was filling a complaint with you it got their attention. If they gave me credit for the two payments I will be even with them. I still think they are not a reliable co. to do business. If you don,t hear from me by 02/02/14 you will know that they did give me credit, Thanks again.

Regards,

Review: A few months back I was helping my brother and his wife file for Bankruptcy and in order to do so they needed to require a credit report. Of course, I went with (and now regret) YourScoreAndMore.com because they have charged my Visa Platinum card $29.94 four different times now.3/28/2015-$29.945/1/2015-$29.946/2/2015-$29.947/3/20150-$29.94Please cancel my account and refund me my money. The account names should be under P[redacted] and R[redacted]. The account was created with my brothers email, but I used my credit card for the $1.00 charge that I thought was a one time thing. Thank You,E[redacted]Desired Settlement: I would like a total $119.76 refunded back to me by check that way I know I received the money with confirmation that the account was cancelled.

Review: I did in fact order a trial membership with Your Score And More, however I was unable to "SEE ANYTHING ONCE THE WEBSITE LOGIN (during TRIAL PERIOD STILL__next afternoon in fact.Upon talking to rep on phone, I was assured this was an aberration and would essentially "self-FIX and UPDATE my credit scores and display all my complete credit reports (TU/EQF and XPN) within a day or two maximum and that my TRIAL TIME WOULD NOT BEGIN until I ACTUALLY RE-LOGGED IN AGAIN and could actually SEE and PRINT OUT or SAVE TO FILE my current CREDIT REPORTS.Well, after a few days passed I did attempt to re-log on,only to be denied once again ability to get a report or score from any of the 3 credit bureaus.I did come to discover why exactly I could not see my reports and scores----as a now disbled veteran, previously shot twice in head and once in lower right leg in combat yet survived through two brain surgeries which has left me paralyzed, legally blind and deaf in one er with only 20/200 vision colorblindness in other eye I can see slightly out of. I am forced to utilize a speech microphone that types for me and sounds aloud what it is I am typing and it also converts screen messages to printable brailed print such that I can read by touch or I HAVE OPTION OF HAVING THE SCREEN READ ALOUD TO ME (MY PREFERRED MANNER).All that is irrelevant I understand yet t s for my family in that our financial circumstances cant afford money to escape due to fact that I must travel long distances quite often for treatment and yes, military and VA helps me but NOT my wife and our 8 children.I feel like I was never given a product and as such should not have to pay for it---and I did in fact, no matter what might be said otherwise, call and express this to your reps and was told tht my TRIAL WOULD NOT BEGIN UNTIL I ACTUALLY LOGGED ON and ALSO COULD SEE ALL 3 scores and reports in full.I would like a complete REFUND OF NOT ONLY THE $29.94 I have been charged at least twice now but also the initil $1 trial fee too asapDesired Settlement: COMPLETE REFUND OF EVERY DOLLAR ,including that initial $1 fee, taking from my accounts and I believe sincerely since it was promised to me an assurance I could see my scores and report----I think if Your Score and More went that EXTRA STEP and actually provided me access just long enough to get a copy saved and/or printed then that would display much more favorable on them,but like other "FOR PROFIT BUSINESSES" I doubt they will. [redacted]@yahoo.com [redacted] Ct lot 1,Citronelle,AL 36522

Business

Response:

Thank

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

appreciate the opportunity to research and comment on what occurred with

Customer P’s account.

Our

records indicate that on 3/30/15 Customer P registered an account 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 P until he called our

customer service department on 6/14/15 to cancel the account. Our

customer service agent cancelled the account at that time.

We

contacted Customer P on 6/15/15 and were able to speak with him regarding his

concern. At this time Customer P was granted a full refund.

Customer P expressed appreciation that we reached out to him directly, and

confirmed that he is completely satisfied with the resolution and would retract

his complaint.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10669149, and find that this resolution is satisfactory to me.

Regards,

R[redacted]

Review: I was doing a job application,which required me to have my credit score,which sent me a link to your website,and insisted that it was only a dollar. I wasn't aware that you all would take out $29.94 out of my account. I only went on there one time. And that was it. I never got an email telling me this was going to happen,no kind of notice. The only notice I received was from my bank telling me the charge. I really hope that this money can be placed back into my account,because,as I stated was only for a hob application,not to be a member. I am really upset and hope that $29.95 can be back into my account please. Thank you.Desired Settlement: I would like for the same amount of $29.94 that was taken out of my account,to be placed back into my account please.

Business

Response:

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.

Consumer

Response:

I have reviewed the response made. I was sent an email,which I will attach,I am glad that they are giving me my refund back. Once I recieve that refund back,I will then be satisfied,and write you all back to confirm. I stated before, I was filling out a job application which required me to have my credit score printed out. So they attached a link which was Yourscoreandmore.com and assured me that it was only a dollar. So OF COURSE I accepted it. NOW if the print was much BIGGER LIKE THIS saying that I was going to be charged 29.94 after 7 days, which by the way I didnt use it,but for only one day, Then I would not have agreed. I was highly upset, when the charge was taking out of my account Without warning.So I immediately canceled my account,and emailed your score and more. Again, I am very happy they are deciding to refund me my money,and I greatly appreciate it. Once in my account I will let everyone know!! But here is the email that was sent to me..OH and btw....I am a FEMALE not a male.

Regards,

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.

Review: I have noticed yourscoreandmore has collected 29.94 from my account on 4 separate occasions all in which everytime I tried to look up how they even got my card/bank info I was unsuccessful in finding a way to follow up with them and resolve my issue until I came across the Revdex.com website. I NEVER signed up for nor agreed to anything at all with yourscoreandmore.com. I monitor my credit through free kredit karma. I don't know what crazy scam they're pulling or how they even got my infoDesired Settlement: All I want is the refund of 117.96 (4 charges of 29.94)and to be unlisted from any thing my name may be on what them and I will not pursue anything further and if this was a hard hit on my credit for it to be removed and fixed IMMEDIATELY

Business

Response:

Review: Your score and more.com took money from my bank account without my permission. I have never used this website and I would like for your company to find out what type of business they are and to have them returned money owned to me, in my bank account. Sincerely, [redacted]Desired Settlement: My $30.00 they took without my permission.

Business

Response:

Thank you for notifying us of Customer's concern. We have investigated the claims presented and confirmed our company received the customer’s prior permission to perform billing for services ordered by the customer. Since receiving this complaint, we have also contacted the customer to review the situation, and although we do not agree to have performed any wrong-doing, we have elected to grant Customer MG a courtesy refund for charges made to date. The customer confirmed this fully satisfies the concern and considers the issue closed. Please consider the following information regarding this complaint.

Customer MG registered for an account on our website on 10/22/2013. In order to register the account, the customer was required to agree with our stated terms of use and billing schedule. This agreement was granted by Customer MG when she physically checked a box on our product order page which confirmed she agreed to all terms and pricing. All customers must follow this process before an account can be opened or a charge can be made on our secure website. Customer MG agreed to be billed $1 for a 7-day trial of our identity protection and credit information services, and to continue to maintain her account open for an ongoing rate of $29.94 each month thereafter until the customer closed the account. We did not receive any correspondence or cancellation requests from Customer MG until 11/05/2013 when Customer MG called our Customer Service department to inquire about charges. During that phone conversation, our Service representative reviewed the billing protocol and verified all customer information on the account was in fact hers, including name, address, phone, email, and the IP address used for registration. Our Service representative reminded her that our full billing terms are listed on the site and were agreed to by Customer MG in order for a registration to occur. We confirmed that Customer MG had closed the account and no further charges would apply.

Upon receiving this complaint, we contacted Customer MG on 11/12/13 to discuss why she continued to have a concern. The customer requested a refund. While we normally maintain a stated no-refund policy, we wish to resolve this issue and as a result, we have refunded the disputed amount of $29.94 as a courtesy to this customer. Customer has confirmed her concerns have now been fully resolved.

I can't prove it, but I believe that this internet company participated in hijacking me away from the www.annualcreditreport.com site. After I was informed by US mail that I may have been the victim of a internet security breach, I went to the website above which BY FEDERAL LAW provides a free credit report from one of the three credit reporting agencies every year. I was being very careful to go to the correct website that was included in the letter I received from the organization that had the security breach, so I can't explain how I ended up at yourscoreandmore.com except through a hijacked google search. There is no reason to even pay $1 for this service when it is offered for free. I thought that I was getting the free credit report available by law. I received a message saying that the free report was not available to me and that I could get my credit reports through yourscoreandmore and I followed the link to their website. My web history does not show that I went to another site, yet I know that I did. This seems to be misrepresentation and deception to me at the least.

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.

Review: claimed to give me my three credit scores and only gave me two.Desired Settlement: $30.00

Business

Response:

Thank you for notifying us of Customer H’s experience and allowing us to investigate and address the concerns.

Our research shows Customer H registered for an account on 8/23/2013 and agreed to be billed $1 for a 7-day trial and $29.94 each month for continued service thereafter until customer elected to cancel the account. Customer H was actively receiving our services. We offer all members, including Customer H, access to our Customer Service Department 7 days per week via a toll-free phone line and also via email (we respond to all emails received within 1 business day). We did not receive any communication via phone or email from Customer H prior to this complaint and had no knowledge that he was experiencing any difficulty utilizing our service or that he was unhappy in any way. Customer H canceled his account with a self-service cancellation option via our website on 9/08/2013, but customer never informed our customer service department of any difficulties.

If we would have been notified earlier of Customer H’s concern about receiving 2 of 3 credit scores, we would have been happy to investigate the situation with the credit bureaus on his behalf. There are several factors which may cause a credit bureau to not return a score for Customer H including, but not limited to:

· The current address format included typographical elements, such as periods or abbreviations that were not recognized by a bureau, causing a failed return

· The current credit report has an alternative name for Customer H which can cause a failed return

-The customer has limited credit history with one particular credit bureau

-The customer has one or more lines of credit in an inactive status with a bureau

-Other technical issues that may be unique between a credit bureau and an individual. These issues may require additional information reported from the individual to the credit bureau

We would have been happy to investigate the issue of receiving 2 of 3 scores, as it is not uncommon, and resolutions or explanations are usually reached in a timely fashion.

Upon receiving this complaint, we contacted Customer H via phone on 9/12/2013 at the number listed on the complaint. We explained the situation. In efforts to resolve the complaint, we have refunded the $29.94 as requested. Customer H confirmed this fully resolved his concerns.

Review: had requested another service through planned payday was told site was having problems was directed to my score.com which is the same as your score and more they took out one dollar which they said would not be charge to my account it posted to my account on 02/26/2015 I called this # ###-###-#### to cancel was given this confirmation # 59[redacted]6 then on 03/05/2015 noticed they had taken out twenty nine dollars and ninety four cents I was told it had not posted to their account to wait until it posted,but in the mean time I again told them to cancel was given this confirmation #5439422, so on 03/09/2015 I called this # ###-###-#### was told they had no knowledge of a payment so this # gave me another cancellation #9[redacted]318 telling me I had to fill out a request for my money upon calling both # I ask were they the same company was told no so I ask my score .com how did my information get to your score and more.com was not able to answer just want my money refunded. ruby chambersDesired Settlement: want the refund of the one dollar as well as the twenty nine and ninety four cents deposit back into my checking account

Business

Response:

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.

Consumer

Response:

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,

I know Your Score and More defends their practice of auto-enrolling users in their credit protection service, but if not fraudulent, it is certainly a questionable practice. As a business, if you have to defend your "practices" in repeated complaints on the Revdex.com website, you might want to reevaluate those practices. To receive your credit report for the $1 it advertises, you HAVE to check the box stating you accept their practices. That includes a 7-day trial of their protection service and if you don't cancel within the 7 days, your credit card is automatically charged $29.94 monthly. Be careful what you check if you go to this site or better yet,use another agency to check your credit score.

Review: Was charged 2 fees to my card without knowledge or recollection of even signing up for the site. Was charged the $1 fee without my knowledge and then later charged $29.94 which brought my attention to the company.Desired Settlement: I would like to get my money back. I have no knowledge of signing up for the company and never needed my credit score so I would like my money back.

Business

Response:

Thank you for sending us Customer DD’s comments. We wish to promote customer satisfaction and appreciate the ability to research and respond to the customer’s concern. Respectfully, although the customer states she does not have knowledge of signing up for our service, our system shows an account was established in the customer’s name on our secure website. Regardless, we wish to resolve the customer’s concern and have processed the refund requested. Please consider this additional information about the account history for Customer DD.

Our systems recorded an account was registered on January 3, 2014 under the name of DD. Like all registrations on our website, the customer agreed to be billed $1 for a 7-day trial of our service, and also agreed to be billed $29.94 each month after the trial period ended, until the customer cancels the account. We sent Customer DD a welcome email to confirm the account registration, pricing and billing terms. Account cancellation can be done at anytime by calling our customer service line every day of the week, or directly on our website, or by simply sending us an email with a cancellation request. We immediately stop all billing as soon as a cancellation request is received and processed. Please also know that our billing terms of service are clearly displayed on the page customers complete when registering for our website service. Plus, we also require customers to check a box on their registration page which states the customer has read and agrees with the billing terms and conditions. Our system cannot open an account or charge any fees until the customer checks this box in agreement and Customer DD did so.

We have no record of any phone calls, emails or other communication from Customer DD, until we received this Revdex.com complaint. If Customer DD had any questions regarding the service, pricing or billing she did not recognize, we would have been happy to assist her with our Customer Service department. We have Customer Service representatives available to answer any account questions every day of the week, over the phone or email Monday through Sunday.

Upon receiving this complaint, we attempted to contact Customer DD on 1/14/2014 at the number provided. Our calls were not answered, so we were un-able to speak with Customer DD today. In order to avoid lost time and to more quickly promote satisfaction we decided to process a courtesy refund in the amount requested. The refund was processed today and Customer DD should expect to see a credit to her card within 1 – 4 business days. The credit posting date will depend on the processing policies of her card’s issuing bank, however, we have confirmed the refund was processed completely through our systems today. In addition, we re-confirmed her account is cancelled and cannot be billed again. We hope this will fully resolve Customer DD’s concerns.

Review: To get your credit report it says you will be billed $1 they have additional services if you choose to buy I did not now they have charged me $29.94 and the email that they sent went into spam by McAfee so it was not a trusted site. The advertisement is not clear attached is the email I received and I never went back to the site to identify myself so there for the account should have closed.Desired Settlement: I want my $29.94 refunded.

Business

Response:

Thank you for sending us notes about Customer D’s concern. We have confirmed the billing on Customer D’s account was conducted per the pricing and billing terms agreed to at the time Customer D registered for our service. We have also confirmed that we had previously processed a void of the charge disputed. This was done because Customer D sent in an email request for a refund very soon after the initial trial period ended. We agreed to void the charge as a favor, since the customer requested it so soon after the end of the initial trial period. We were surprised to receive the Revdex.com complaint on the same day and after we had already confirmed the charge was voided. We believe the customer is now satisfied and understands the charge in question was never processed. More important details about this situation are presented for your consideration as follows.

Customer D visited our website and initiated an account on 10/22/2013. At that time, customer D completed a registration page with included full disclosure of the terms of use, pricing and billing schedule to maintain the account. These terms allowed the customer to first agree to be billed $1 for a 7-day trial access to the account and then be billed thereafter $29.94 each month until the account was canceled. Note that we require all new customers to physically check a box to confirm they have read and agree with the stated terms of use, pricing and billing. Customer D did so and was therefore able to initiate the account and allow us to set up billing to the credit card provided. We did not receive any correspondence or cancellation requests for this account until 10/29/2013 when Customer D’s spouse emailed our customer service department to inquire about and dispute pending charges. We immediately canceled the account. The inquiry and cancellation was at a time that exceeded the initial 7 day trial period, so billing for $29.94 had already commenced to maintain the account as active for the next 30 days. The email we received asked for a refund of the first charge, and because the request was made so soon after the expiration of the trial period, we elected to process a void on that charge as a courtesy to the customer. We also sent a cancellation email immediately to Customer D stating that the account was canceled and noting the charge was voided. Customer D would have not expected to be charged any further amount by our company. The content of the cancellation and void confirmation email sent included: “Thank you for contacting us. Your account was canceled on 10.29.2013. Your cancellation reference number is 4[redacted]7-6343200. We have voided the pending charge of $29.94 which ensures we will not collect this amount and you will not be billed. Your credit card company will return this amount back to your available balance, typically within a few business days. If you need an exact date for when these funds will be available for other purchases, please contact your card company or bank for the details of your Cardholder Agreement. Your account is canceled and you will not be billed again.”

Regarding the complaint’s comment about our website not being McAfee trusted, we respectfully disagree. Our website is in fact a McAfee SECURE site. We proudly display a McAfee seal on our site to provide public confirmation of our site credentials. Clicking on the seal displays our site’s security verification by linking to McAfee’s security confirmation page at: https://www.mcafeesecure.com/RatingVerify?ref=secure.yourscoreandmore.com. Visiting this McAfee security page notes that our site is Certified McAfee Secure and states: “Websites displaying the McAfee symbol are tested and certified daily to pass our security tests which help protect you from identity theft, viruses, spyware, and other online threats.” The customer complained that our email had been held up in his email spam filter. This is not uncommon with email providers and can be adjusted with settings in the customer’s email service. This filter is only under the customer's control, and we cannot influence the customer's spam filter settings, but we would suggest the customer make adjustments to ensure email delivery.

Upon receiving this complaint, we attempted to contact Customer D on 10/29/2013 at the number listed on the complaint. We were unable to speak with Customer D, however we did speak to Customer D’s spouse. We explained the situation as noted above and we confirmed the $29.94 in dispute was voided earlier the same day and would not be collected from the customer. We also confirmed again that the customer would not be billed again and that their account was permanently closed. We are confident this fully resolves the customer’s concerns.

Review: I ASK FOR MY CREDIT SCORE LAST WEEK THE CHARGE WAS 1 DOLAR FOR SEVEN DAYS THAT IS THE AMOUNT I APROVED TO PAY, BUT TODAY THEY CHARGE TO MY CREDIT CARD $ 29.94, AND I DON'T APROVE THAT AMOUNT. I CALL THEM AND THEY SAID IS NOTHING THEY CAN'TDO.Desired Settlement: I WANT MY MONEY BACK

Business

Response:

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.

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.

Review: my complaint is that I was on another website,and this site came up as one of the sponsors,I took the survey and agreed to the 14-day $1.00 free trial I, never knew anything about a $29.94 transaction that took place on my card.I called several times to cancel,when idid get someone the first person told me he canceled this remind you I discovered this on 6-15-15 going thru my online statements this tranaction took place on 5-21-25 iwas looking for a statement payment, imade to my doctor,when I discoered it,it saya it posted on 5-25-15 also finally on that first phone call he gave me this bogus cancellation no.97115 and told me I should get an email,that never happened the 4th phone call said sorry without discussing my moneyback, and gave me another assurance with this no.09[redacted]56,and again telling me you will also get an email. and also the first phone call the guy said thankgoodness,you called because youre, about to be billed again,and isaid what for what."Desired Settlement: I need this money back ,this is false advertising,my daughter,helps me financially, this just wasnt,my money they took they took her money she gave to pay bills and use responsibly. thankyou ,ineed all the help, ican get I didnt, go to their site remind you it came up as a sponsor.

Business

Response:

Thank

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

appreciate the opportunity to research and comment on what occurred with

Customer H’s account.

Our

records indicate that on 1/12/15 Customer H registered an account 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 H until she called our

customer service department on 6/17/15 to cancel the account. Our

customer service agent cancelled the account at that time.

We

contacted Customer P on 6/19/15 and were able to speak with her regarding her

concern. At this time Customer H was granted a full refund.

Customer H confirmed that she is completely satisfied with the resolution and

would retract her complaint.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10676206, and find that this resolution is satisfactory to me.

Regards,