Possible Refund From Tc?

[row]

Has anyone been refunded their money back from TrueCredit? If so, who did you contact or what # did you contact...I been calling since I was cancelled and I now can't get no one on the phone...I WANT MY $14.95 BACK!!!!

[Methuss]

good luck. If they cancelled you because of a breach of terms, you are not entitled to a refund at all. It's in the Terms of Service you agreed to when you signed up.

[elyse449]

...if they offered a service and if you used that service and now they're saying that somehow it's "fraud" than you have every right to defend yourself.

It's one thing to suspect someone of it, it's another thing to go as far as accusing them and cancelling on the basis of "violation of TOS" without even giving their customers the opportunity to state their cause or their side to the story.

Also, you can't violate a TOS when it states you can update every 24 hrs! (If that's the violation their claiming of course). Ya gotta admit....it's pretty shady to advertise "Credit updates every 24 hrs!!!" and than cancel someone and claim FRAUD on the basis of their using that!!

If it were me, I'd make one last attempt to call them. Make sure you keep your cool and treat it like any other business transaction. (If you get thru) When they refuse my call, I would contact BBB, Attorney General for my state AND theirs (wherever their main offices are), Consumer Affairs and Federal Trade Commission. I would type up my complaint and send it to ALL entities and inform them that I did attempt to reconcile the issue directly, but that they have refused my calls....or whatever.

This would've been a different ball game had they simply sent out formal notice to ALL of their customers (rather than picking certain ones to attack) that said, "Due to recent turn of events and system requirements, Truecredit can no longer offer credit pulls and updates every 24 hrs...should you wish to discontinue your services with us, please log on to blah, blah, blah..." That would've saved THEM some serious headaches because I'm sure at least SOME of the folks that pulled daily would've left of their own volition. Sure...they could've done that and folks probably wouldn't have been as up in arms. This will be interesting to see how it plays out. I never did pull daily...I pulled maybe a couple times a week during the peak in my credit repair process...I was waiting for crap to report accurately dang it. At any rate, if they truly and genuinely feel that somehow their security has been breached than they need to act accordingly across the board.

I'd file the complaints and request my money back. They are no longer providing a service. And unless they can PROVE fraud or violation of terms of service (which again, would be hard due to their advertisements) than they should give you your money BACK.

Elyse

[aadam101]

good luck. If they cancelled you because of a breach of terms, you are not entitled to a refund at all. It's in the Terms of Service you agreed to when you signed up.

There is not a single one of use who were canceled because of a "breach of terms." We used the service that they offered.

They gave me a refund with no problem.

[Methuss]

There is not a single one of use who were canceled because of a "breach of terms." We used the service that they offered.

They gave me a refund with no problem.

Then what *did* they cancel you for? Hrm? Didn't like the color of your car?

[aadam101]

They accused us of fraud. Show me the "term" that I "breached." The TOS has been posted many times. There is absolutely nothing in it that says you can't pull everyday. Actually the website states all over the place that you CAN pull once every 24 hours. They advertise UNLIMITED and then canceled people for using it too much. The only party that "breached" and "terms" was TC.

[Methuss]

They accused us of fraud. Show me the "term" that I "breached." The TOS has been posted many times. There is absolutely nothing in it that says you can't pull everyday. Actually the website states all over the place that you CAN pull once every 24 hours. They advertise UNLIMITED and then canceled people for using it too much. The only party that "breached" and "terms" was TC.

Fraud (noun): intentional perversion of truth in order to induce another to part with something of value or to surrender a legal right.

The act of bumping is to use a technical glitch to change the truth of a credit report so that a lender is more likely to give you credit. And that's fraud in case you didn't realize it.

[isislc]

Try this one, this is the number I used to complain about my account and got my money back.

(866) 215-0740 during the following hours: Monday through Friday: 9 AM- 5PM Pacific Time

[elyse449]

Fraud (noun): intentional perversion of truth in order to induce another to part with something of value or to surrender a legal right.

The act of bumping is to use a technical glitch to change the truth of a credit report so that a lender is more likely to give you credit. And that's fraud in case you didn't realize it.

I do agree with you, however if they are advertising that it is OK to use their credit checking services to update "every 24 hrs" and it just so happens that DOING THAT causes the "technical glitch" who truly is to blame? Now that they've realized this occurs, perhaps they can change their offer...but so far, they're choosing to attack consumers who use their services...some of them may be using it fraudulently, some may not. Shaky ground.

They need to change their system and quit offering the services to people. Granted, just because there IS a loop hole doesn't mean we all can't control ourselves and NOT use it, but from my standpoint we have enough odds stacked against us already. OTOH-There needs to be a system of investigating "UNAUTHORIZED" or duplicate inquiries on all credit reports, especially if they affect your score and ability to attain credit. JMHO. I do agree though, methuss.

Elyse

[RickCredit7]

Fraud (noun): intentional perversion of truth in order to induce another to part with something of value or to surrender a legal right.

The act of bumping is to use a technical glitch to change the truth of a credit report so that a lender is more likely to give you credit. And that's fraud in case you didn't realize it.

What happens if you start out with NO inquiries, and they still cancel for excessive pulls, or fraud.

Who would I be defrauding by pulling my own reports to see if changes posted yet, when the act of *b* ing would really do me no good.

[aadam101]

Fraud (noun): intentional perversion of truth in order to induce another to part with something of value or to surrender a legal right.

The act of bumping is to use a technical glitch to change the truth of a credit report so that a lender is more likely to give you credit. And that's fraud in case you didn't realize it.

You still didn't point the "term" that I "breached." The site has a TOS. It was not violated in this case. TC is the only one who violated it by choosing to ignore their own rules.

The "fraud" is on TC's part, not the consumers.

[Methuss]

You still didn't point the "term" that I "breached." The site has a TOS. It was not violated in this case. TC is the only one who violated it by choosing to ignore their own rules.

The "fraud" is on TC's part, not the consumers.

Fraud is a felony in every State. I fail to see how you could reason that using their services to break the law would not be a violation of terms of use. But since you want to push the issue:

"TrueCredit may (i) change the terms of this Agreement or the feature of the membership products, or (ii) change the Site, including eliminating or discontinuing any content or feature of the Site, restricting the hours of availability, or limiting the amount of use permitted," (emphasis mine)

Basically, they can change the terms of your use at any time, just like a credit card company can.

[aadam101]

You should really keep reading buddy

by posting notice of such modification on a page of the Site before the modification takes effect. All changes shall be effective immediately upon posting of such notice. If you use the Site and/or your membership after TrueCredit has notified you of a change in the Agreement you agree to be bound by all of the changes.

They did NOT post notice

They continue to advertise that they offer UNLIMITED access. There is nothing in the terms that state otherwise.

[Methuss]

As you keep digging yourself deeper.

It says posted on a page of the site. It does NOT specify the page is in any particular location. It can be small print at the bottom, hidden behind a hyperlink or even in the form of a status message in a mailbox on the site. Further it says the notice takes effect immediately upon posting it. So techically they can send a message to your message center box on their own site and 5 minutes later cancel you; and they are in complete compliance with their terms.

And for the record, they don't have to say openly in their terms that using their service to commit fraud would result in termination of your account. That is a given fact and only a fool would think it's OK...otherwise they would be accomplices. They provide unlimited access for the purpose of monitoring your report for fraud, not to take advantage of the system to bump inquiries. That's a flaw; a side-effect.

The simple fact is if you get caught abusing their services they have every right to terminate your account and not have to refund a single penny. The fact that they occasionally do give out a refund is up to their own judgment.

So what are you gonna do? Sue them? The terms of use does include a waiver of venue, so you'd have to take it to Delaware to even try it. I doubt you'd get a sympathetic ear from any judge on the matter though.

Right now this thread is turning into nothing more than someone stomping their foot like a child about loosing access to the cookie jar because they took too many cookies. I think that's enough.

[aadam101]

Clearly you are NOT a TC user. There is NO message box of any sort on the site. We were notified of the cancellations in an email to our personal email boxes. The change in terms is NOT listed anywhere on the website. As a matter of fact it specifically states ALL OVER the website that we CAN pull our reports every 24 hours. TC has NOT changed the terms for everyone.....just the ones who were costing them too much money.

They have also OVERCHARGED ALL of their customers. The only notification was in our credit card statements!!! Anymore?

[Methuss]

They have also OVERCHARGED ALL of their customers. The only notification was in our credit card statements!!! Anymore?

They overcharged you, and a few others that have complained publically about it. Unless you have access to their database, you can't claim they overcharged all of their customers...you simply cannot possibly have access to that information by any legal means. The rhetoric isn't helping.

If you were overcharged and the vendor does not cooperate with refunds, you can dispute it directly with the card company under the Fair Credit Billing Act. Most card companies don't make this a hassle.

[CleverCynic]

Well, you can't make the burden of fraud where there exists several other innocuous incentives to use the service as prescribed and in concert with thier advertisements and terms of service.

TC had balls to make this assumption and put it in writing. Desirable side effects aside from their program shortcomings with respect to bureau storage issues notwithstanding, I wouldn't read and post here for hours daily and NOT pull a fresh new report when it was available as a simple matter of course.

[aadam101]

They overcharged you, and a few others that have complained publically about it. Unless you have access to their database, you can't claim they overcharged all of their customers...you simply cannot possibly have access to that information by any legal means. The rhetoric isn't helping.

If you were overcharged and the vendor does not cooperate with refunds, you can dispute it directly with the card company under the Fair Credit Billing Act. Most card companies don't make this a hassle.

I should NOT have to dispute anything. MANY people have been overcharged. I haven't read a single post from anyone who has been charged the correct price. When I called to get my refund I asked about it and he denied the existence if an $11.21 plan!