Fraudulent Charge
Complaint
A. Maurelli
Country: United States
I recently realized that I was being billed $12.95 from MNI Credit Reporting on a monthly basis. I have NEVER used an online reporting tool for my credit score. Even scarier, there seems to be hundreds of complaints regarding this company throughout the web. After calling them and being put on hold for over 30 minutes, I decided to try again with similar results. It appears that this company steal your information, and then you can't reach them to cancel the billing. If the charge is recurring your credit card company can not get your money back - they deem it as user negligence. Proceed with MNI and FreeCreditReport.com with caution - They are a slippery group of thieves!
Comments
Do not restrict your attempts to get your money back through your bank to just phone calls. Both your bank and this scammer have nothing to lose as long as they can assume you will just give up once confronted with their refusal to return your money. In economic terms, they know it isn't worth it to you or anyone else to sue them, so they can ignore you. Raise the stakes in this cheap game of chicken.
Send in your dispute of fraudulent charges IN WRITING. That is essential to invoke your FCBA dispute rights. Then treat the fraudulent charges as what they are: fraud. File FTC complaints, state AG complaints, BBB complaints, and an OCC complaint against your bank for failing to investigate your dispute.
While you are at it, find another bank. You need a bank who protects your money, not one who hands it out to anyone who asks for it. Consider credit unions, since many of the larger banks are messed up.
"First they ignore you, then they laugh at you, then they fight you, then you win." - Mahatma Gandhi
http://www.seflorida.bbb.org/businessreport.aspx?companyid=92014255
Since they are in Florida, contact the Florida Attorney General Economic Crimes Unit.
I have no clue as to how these people obtained my credit card number, but
I had my card cancelled and got a new number, which was suggested by my card
company. I know I did not order this. The phone number listed on my charge
was - 1-866-883-3309, don't know if this will help anyone but I thought I would give it out.
Good luck to you in your quest.
yea, just checked my bank online, they have robbed me of 14.95.
looks like we should be able to go after them for bank fraud.
If everyone would do that perhaps they would lose enough money we could close them down.
Of course, I know that wont happen, but just had to make their day.
Also told them I wanted a refund for the 35 dollar NSF from my checking account. Said I would have tospeak with superivsor about that. I think we should all just call and raise cain with all of them, make them earn their money, cause friction and then hang up.
we should create havoc with them like they do us.
My bank called me today for an "unusual transaction". I did the online fraud check, and there was an odd $1.00 pending authorization that had been declined from MNI*CREDITREPORT.COM. I've never heard of them.
I know all about the credit scams, but until now I thought that was somebody opting in without knowing any better. Apparently they'll just sign up random people! No idea where/how they got my information.
(TIP: The only actual "free" credit reports are from the FTC sponsored annualcreditreport.com -- just FYI.)
The only time I used the card this month was for an order with Tigerdirect, eBay (Paypal), Monoprice and Woot -- none of which try to "gotcha" with a credit check scam. Those are all above-board companies, nothing was unusual at checkout. No funny checkboxes or offers for extras.
Now I don't have my credit card for 10 days, account is closed. Sending a new card. Have to update 2-3 recurring charges, too. What a nuisance.