unauthorized charges on bank account
Complaint
christopher st st ange
Country: United States
I have been charged several times for Credit Report that I did not order or request. The first two charges were
as follows:
09/29/2011 Experian *FreeCredS 877-300-2507 $14.95
10/03/2011 Experian *FreeCredS 877 300-2507 $14.95
10/31/2011 Experian *FreeCredS 877-300-2507 $14.95
10/31/2011 Experian *FreeCredS 877-300-2507 $14.95
As a result of these unauthorized charges my account was charge 4 over drapft fees of $37.00 totallying $148.00 and 5 other checks were returned due to insufficient funds because of these unauthorized charges. That is a total of 9 overdraft charges at 37.00 each since September 29/2011.
Total amount to be refunded to my account is $59.80 for 4 charges at $14.95 and 5 insufficient fund charges of $37.00 for an amount of $185.00.
185.00+59.80=$244.80 to be refunded
as follows:
09/29/2011 Experian *FreeCredS 877-300-2507 $14.95
10/03/2011 Experian *FreeCredS 877 300-2507 $14.95
10/31/2011 Experian *FreeCredS 877-300-2507 $14.95
10/31/2011 Experian *FreeCredS 877-300-2507 $14.95
As a result of these unauthorized charges my account was charge 4 over drapft fees of $37.00 totallying $148.00 and 5 other checks were returned due to insufficient funds because of these unauthorized charges. That is a total of 9 overdraft charges at 37.00 each since September 29/2011.
Total amount to be refunded to my account is $59.80 for 4 charges at $14.95 and 5 insufficient fund charges of $37.00 for an amount of $185.00.
185.00+59.80=$244.80 to be refunded
Comments
EXPERIAN FREECREDSCR 877 3002507 * CA
My bank canceled my debit card due to suspected fraud and I will stop by my local branch to pick up a replacement card.
Your bank can reverse charges if you dispute within 60 days of the statement date of the statement showing the disputed charge, under FRB Reg. E, or FCBA.
I had the same thing happen to me and called that Experian Free Credit number, and it turns out someone named Diane had hacked into my "free credit score" that i requested months ago, and have been charging my credit card for their Experian monthly membership services. I'm on hold with them now, they are in the proces of cancelling and refunding.
hope this helps!
However, this time it didn't work that way. I cancelled my membership after 5 days on 1/27, and was sent an email confirming this. This morning I checked my bank account and there are 2 charges, both dated 1/28 for $14.95, from "*FreeCredS 8773002507."
I called and asked that the charges be refunded and that absolutely no further charges be made to my account. I wasn't given an explanation as to what the charges were from. The woman just told me she "spoke with [her] supervisor and the charges will be refunded in 5-10 business days."
Still not sure I trust that there won't be more unexplained $14.95 charges, and might end up canceling my card once the refund hits it.
They told me that a lady with the name of "Matty S." had opened two accounts with them using my credit card. I hope this gets resolved!
My opinion, this Experian company is illegally trying to steal money from the customer. They stole your money and blame someone else to lure you into their service
I am now worried that someone has tried to steal my information and I have no way to know if they were successful or not, or if it is indeed the company ripping people off (Experian).
I would also like to know if indeed a credit report was run against my name, who requested it and for what purpose. I did not authorize this and as you know, every report run on your name is a mark against your credit.