I never had my identity stolen, however, a couple of months back, I suspected something was wrong.
A few years ago, I requested free credit reports (everyone is entitled to one, once a year), writing directly to the top credit reporting agencies, by snail mail. It worked great. Now, you have to go through a website, which confuses users by hinting their identity has been really stolen. Since I have very little time to waste with games, I decided to go directly to one of the providers, and I chose Experian.
The free report I was entitled to quickly became a 1 dollar report. That meant I needed to provide a credit card number to pay the buck. And here a little nagging problem started.
Not only would I be charged US$ 1 for the report, however, by requesting it from Experian, I would agree to try out for a US$17.95 a month credit monitoring service, which I could cancel at any time. If I canceled within 7 days of ordering the trial subscription, I would not be charged anything, not even the first charge.
I ordered my US$1 (free) report on a Wednesday, and found out all was clear with my credit. Then, the next Wednesday I called to cancel the subscription. Funny thing. To sign up, you can do everything on line, within tops five minutes . To cancel, you have to speak to a rep, and stay online for a good 30 minutes. I hate to think that the idea is to have you give up on the cancellation and be stuck with the subscription forever...
Be that as it may, I did call, stayed on the line patiently, and spoke to a nice rep. Although she kept on trying to convince me to keep the service, I denied every time. Then, after five attempts to keep my hard earned dollars, she offered the service for half-price, which I found outrageous. After I gave her a few thoughts on the hard selling tactic (why not offer the service for US$8.00 to begin with?), she confirmed the service would be cancelled, THAT I WOULD NOT GET ANY FURTHER BILLING FROM EXPERIAN, and I got an email confirmation on the trot.
Much to my dismay, I just got my credit card bill, and guess what it contains? A US$17.95 charge from Experian!! Yes, siree!
Needless to say, I was beyond outraged by this point. I explained, over and over again, that I opted out of the service within the prescribed seven days, that I got verbal and written confirmation, yet, the representative insisted I did not comply with that requirement, and that although the subscription would be canceled henceforth, that US$17.95 charge would stand.
After referring to this business deal in not very endearing terms, and making a rhetorical observation concerning the mission of the company, which is to protect us from scams and aspects of this transaction, which looked like a scam to me, I told the representative that I would feel free to share my nasty experience with the entire world, by writing on several dozens of blogs to which I contribute material.
That did the trick, though. She was so adamant that the charge would stand just a few seconds before, however, when I said I would make the matter public, a third party, a supervisor, I guess, entered the picture and allowed the credit!
I can only say this: before you order anything from Experian, think
twice. I have since then read similar stories on the internet, so I can assure
you that this is not an isolated incident. I am ready to do battle next month
again.
