Credit card charged for report I never ordered
Complaint
Cindy Jacobson
Country: United States
I never ordered any credit report and I was not in contact with this company in any way. Yet, my credit card was charged $14.95 for 2 months. I called and they said it was fraud -- someone else had ordered a report and used my card. Sounds suspicious, though, since I have NO other unauthorized charges. Had to cancel my credit card just in case.
Comments
File fraud complaints with FTC, your state Attorney General, and at www.ic3.gov
Do NOT trust any cancellation or refund promises, as such scams will say anything to delay you past the 60 day FRB Reg. E or FCBA dispute periods during which your bank can just yank back their stolen money. Dispute with your bank, and follow up with a written dispute or fraud affidavit sent to your bank's dispute address from your statement.
Do NOT use checking accounts, debit cards, or check cards for any payments to anyone you do not know and trust. Limit their use to payments to trusted creditors such as rent, mortgage, utilities, etc. Use only credit cards for retail or online payments, as the fraud protections are stronger and it its less disruptive to block credit card numbers when fraud occurs.