Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/18/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I do not recall ever signing up for their services. I have been billed $29.94 monthly since 9/18/2023, with the most recent being 6/16/2024. I have tried to log into an account, but it says that one does not exist. There was no phone number on my bank statement - it actually says 833-x7303. I called using the phone number I found on the BBB website and the woman was insisting that I needed to call back in July to cancel, tried to provide me a discount, and basically was refusing to cancel my account. I finally threatened to contact the BBB and CFPB if she did not cancel the account, provide something in writing confirming and provide some refund. She refused any refunds and claimed that she cancelled the account and that I would receive an email. I have not yet received one.

  Business Response

  Date: 06/24/2024

  Our findings show that on 09/09/2023, the customer successfully enrolled in a 7-day $1.00 trial membership to CreditReview.co.  The customer did not contact us during the trial period to cancel the membership or after the membership commenced.  As per the membership agreement that the customer acknowledged, we charged the credit card on file for the monthly membership.  All of these details, including trial length, trial price, the monthly membership fee, and cancellation process, are clearly stated on the signup page, on our Terms and Conditions page, and in the Welcome Email that is sent out immediately upon sign up.  

  
  In order to create an account, each member must enter his/her first and last name, phone number, email address, credit card number, the three-digit security CVV number on the back of the card, and their billing zip code.  The CVV number and billing zip code provided during the registration were an exact match with what is on file with the cardholder’s issuing bank.  The email address and telephone number used to register the account also match the information provided in the BBB.  We have no access to the customer’s personal or financial information.

  
  In her complaint the customer stated that, “ I do not recall ever signing up for their services. I have tried to log into an account, but it says that one does not exist.”

  
  The customer received the login information in the Welcome Email that was sent to her immediately upon sign up or call our customer service center for assistance.

  
  We provide our customers multiple options to cancel their account, by calling our customer service center during business hours, email us anytime or online using our “Contact Us” page, to cancel their service.  Our customer service center contact number and email can be found on our website on the Contact Us page.  In addition, our contact number is located next to the transaction on her monthly credit card statement.  Again, the customer did not contact us during the trial period. We record all calls for quality assurance purposes and document all contacts.

  
  On 06/17/2024,  the customer called our customer service center and requested cancellation, but did not request a refund. The agent explained to the customer that her account was active through July 15, 2024 and if she would like to continue to use the service, she could call back before  July 15th to cancel. The agent also explained our refund policy and offered the customer a discounted membership, should they wish to continue the service beyond July 15th.  When the customer declined the retention offer the representative canceled the customer’s account, and a cancellation confirmation email was sent during the call on June 17, 2024 at 12:00 pm Pacific time, to the email address we have on file with the account, which matches the email used to file this inquiry with the BBB  Our system shows this email was opened by the customer on June 17, 2024 at 12:09 pm Pacific Time.

  
  On 06/21/24, as a one-time courtesy, we have provided the customer with a refund.  Please let us know if you require further information.

• Initial Complaint

  Date:06/03/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  There are three companies operating out of the same suite/office- CreditReview.com, YourScoreandMore.com, and ChoiceCreditScore.com., in Goleta, CA. I canceled all three of my accounts on Wednesday May 22,2024. I did not receive an email confirmation, an error message, nor were there any warnings on their website stating they were having issues. Additional money was deducted for my account this week under Your Score and Credit Review. When I spoke with them this morning, both individuals, Lyka and Cindy sated they were having issues with their website and there was no record of my cancelation on 5/22. They also asked if I received an email confirmation of the cancelation. Although they admitted there was website issues, they would not issue me a refund for the money taken out of my account. I called the third company; Choice Credit Score and they indeed showed my cancelation on 5/22. Same IP address, three different companies? If they are having website issues, then they should refund the amount taken out of my account instead of offering me a $25 gift card that does nothing to get the money back into my account. In addition, after canceling these accounts on the phone today, I STILL DID NOT RECEIVE AN EMAIL CONFIRMATION! These companies are predatory and a scam.

  Business Response

  Date: 06/09/2024

  Our findings show that on 06/27/2023, the customer successfully enrolled in a 7-day $1.00 trial membership to CreditReview.co. 

  
  Our records show that the customer called on 06/01/2024 and stated that she had canceled the account via email on 5/22/24.  Our agent indicated that we were experiencing issues with the online cancellation, therefore we have no record of receiving an email cancellation from the customer. 

  
  When an account is canceled we provide our customers with a cancellation number and send an email confirming the cancellation immediately. The customer did not receive a cancellation confirmation email from us.

  
  Upon receipt of this complaint, as a one-time courtesy, we have provided the customer with a refund. 

  
  Please let us know if you require further information.

  Customer Answer

  Date: 06/10/2024

  
  
  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 21788758, and find that this resolution is satisfactory to me.
  
  
  
  
  Regards,
  
  
  
  A**** *****
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:04/11/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I signed up for 1.00 7 day trial. I canceled it 2 days later on their telephone prompt. Well I was charged anyway of 39.95 on April 10. They said I called 1 day to late which should of been the 9th. Well I already canceled. I just want a refund. I wasn't to late but according to them I was. But even so if I was I called 1 day later. I just want a refund.

  Business Response

  Date: 04/15/2024

  Our findings show that on 04/02/2024, the customer successfully enrolled in a 7-day $1.00 trial membership to CreditReview.co and on 04/10/2024, the customer called our customer service center and requested cancellation and a refund.  The representative canceled the membership after offering the customer a discounted rate to retain the membership and explained the refund process.  The customer declined the discounted price and accepted the refund application but did not return it.

  
  On 04/11/2024, as a one-time courtesy, we have provided the customer with a refund. Please let us know if you require further information.

  Customer Answer

  Date: 04/16/2024

  
  
  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 21560497, and find that this resolution is satisfactory to me.

  Yes I did receive a refund and I'm satisfied 

   Thank you

  
  
  
  
  Regards,
  
  
  
  T**** ********
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

  
  

• Initial Complaint

  Date:03/08/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  charged multiple times. 2/26/24, 3/4/24 and 3/8/24 in amount of $9.94. for total of $29.82. I have called the contact phone number 3 times already to cancel these transactions and any account they claimed I have. I have also emailed them 4 times. I was informed each call no refund available but account would be closed and I no longer charged. Yet today I find 3 more charges on my bank statement.
  I am a disabled veteran with low income and cannot afford these charges that have now caused overdraft charges on my account.

  Business Response

  Date: 03/15/2024

  Our findings show that on 02/04/2024, the customer successfully enrolled in a 7-day $1.00 trial membership to CreditReview.co. The customer sent an email on 2/14/2024 requesting the cancellation of the account. The representative who processed the email request failed to issue the cancellation.  We apologize for the inconvenience. 

  
  On 3/8/2024, we refunded the customer for three weeks of service - $29.82 . We have provided the representative with the appropriate feedback and coaching.  We again sincerely apologize for our oversight.  Please let us know if you require anything else.

• Initial Complaint

  Date:02/02/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is refusing to give me a refund due to their policy while having inactive contact information listed. How does a reputable company have a phone number that doesn’t work and minimal other information to reach them? You can only cancel by phone, which doesn’t work or email. I assumed it was a scam company which I only found through a loan agency and finally was able to reach them and instead of doing the courteous and moving with integrity as a company they say no refund. Unacceptable. How is anyone supposed to take your company and rules seriously when you don’t even have up to date information and no way to cancel through the site.

  Business Response

  Date: 02/07/2024

  In response to the complaint, our findings show that on 01/09/2024, the customer successfully enrolled in a 7-day $1.00 trial membership to CreditReview.co.  The customer did not contact us during the trial period to cancel the membership or after the membership commenced.  As per the membership agreement that the customer acknowledged, we charged the credit card on file for the monthly membership.  All of these details, including trial length, trial price, the monthly membership fee, and cancellation process, are clearly stated on the signup page, on our Terms and Conditions page, and in the Welcome Email that is sent out immediately upon sign up.  
  

  In order to create an account, each member must enter his/her first and last name, phone number, email address, credit card number, the three-digit security CVV number on the back of the card, and their billing zip code.  The CVV number and billing zip code provided during the registration were an exact match with what is on file with the cardholder’s issuing bank.  The email address and telephone number used to register the account also match the information provided in the BBB.  The customer also accessed their credit score and viewed other features, so they would have had to answer personal questions from public records that only they would have known.  We have no access to the customer’s personal or financial information.
  

  Customers may contact our customer service center during business hours, email us anytime or online using our “Contact Us” page, to cancel their service.  Our customer service center contact number and email can be found on our website.  In addition, our contact number is located next to the transaction on her monthly credit card statement.  Again, the customer did not contact us during the trial period. We record all calls for quality assurance purposes and document all contacts.  We provide customers with a cancellation number and send an email confirming the cancellation immediately. 
  

  On 02/01/2024, the customer attempted to call our customer service center but the call was disconnected before reaching a representative. The customer was successful in sending a cancellation email to our customer service center and the account was immediately canceled.  We have no reason to doubt the validity of the charges.  On 02/02/2024 as a one-time courtesy, we have provided the customer with a refund. Please let us know if you require further information.

• Initial Complaint

  Date:01/02/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was seeking a loan and credit report $1 was required I tried cancelling but never got an answer weekly now they want $9.95 from my cash app I want it cancelled please credit review company does not want to cancel and they are the ones taking my money I am 62 years old and on disability I just wanted a loan to fix my truck

  Business Response

  Date: 01/07/2024

  We believe that the customer may be confusing our company with another company. The customer states that he attempted to contact us to cancel the account. We have no record of any calls regarding this account. We have not experienced any issues with our telephone system. The customer is also disputing the amount of $39.95. We never charged the customer $39.95. On 12/12/2023, the customer enrolled in a 7-day $1 trial of Creditreview.Co. Since the customer did not cancel before the trial expiration, we charged him the weekly subscription rate of $9.95 as per the terms and conditions. Customers may cancel the account by emailing or calling the customer contact center. Our contact information is provided in our Welcome email that is sent immediately after trial registration and on our website.

  
  Although the charge is valid, we have provided the customer with a one-time courtesy credit. Please let us know if you require further information.

• Initial Complaint

  Date:01/02/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On the evening of December 21, 2023, I was attempting to file for a loan. One of the companies that I was applying to requested that I go to Credit Review to get my credit score. I did this and paid $1 for the trial. Since then I have been charged overdraft fees three times in the last three days. I contacted them by email on their site to cancel this two days ago and asked for confirmation that this had been done. As of today I have NOT received confirmation that it has been done and they have attempted to take money again out of my account. I again sent them another email today from my Yahoo account asking them to stop and to close this account. This company is a scam, they don't cancel and continue to attempt to take money from your account. I can't afford overdraft fees as I live on a fixed income. Please stop them!!

  Business Response

  Date: 01/07/2024

  On 12/20/2023, the customer enrolled in a $1 trial of CreditReview.Co.  We have checked our records and cannot locate any cancellation request for this account.  All emails are tracked for quality assurance purposes. 
  
  On 12/30/2023, we received an email from the customer sent to an old CreditReview.co account. The account had been closed since 10/24/2022.    This account was set up under the same name with a different email address and is not associated with the current account. In this email, the customer does state that she sent a cancellation two days ago and wants the account canceled.  Since the email was sent to the old account, our representative sent her a confirmation that the account was closed on 10/24/2022.
  
  As stated previously, we received no requests to close the new account. Even if the customer had sent the cancellation request two days prior, as stated in the email sent to the wrong account, the trial period would have ended.  The 7-day trial period ended on 12/27/2023.  
  
  Per the terms and conditions that the customer acknowledged, we 
  attempted to process the subscription fee.  The bank declined the charge due to insufficient funds.
  
  As a one-time courtesy, we have canceled the account and refunded the $1 trial fee. 
  
  Please let us know if you require further information. 

  Business Response

  Date: 01/07/2024

  On 12/20/2023, the customer enrolled in a $1 trial of CreditReview.Co.  We have checked our records and cannot locate any cancellation request for this account.  All emails are tracked for quality assurance purposes. 
  
  On 12/30/2023, we received an email from the customer sent to an old CreditReview.co account. The account had been closed since 10/24/2022.    This account was set up under the same name with a different email address and is not associated with the current account. In this email, the customer does state that she sent a cancellation two days ago and wants the account canceled.  Since the email was sent to the old account, our representative sent her a confirmation that the account was closed on 10/24/2022.
  
  As stated previously, we received no requests to close the new account. Even if the customer had sent the cancellation request two days prior, as stated in the email sent to the wrong account, the trial period would have ended.  The 7-day trial period ended on 12/27/2023.  
  
  Per the terms and conditions that the customer acknowledged, we 
  attempted to process the subscription fee.  The bank declined the charge due to insufficient funds.
  
  As a one-time courtesy, we have canceled the account and refunded the $1 trial fee. 
  
  Please let us know if you require further information. 

• Initial Complaint

  Date:12/26/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Freecreditscor has multiple times have tried charging the $39.96 membership fee even after calling and canceling the membership within the 7 day trial period , luckily I keep my card locked until it is needed. I never received a confirmation email for cancellation and have called back several times to confirm cancellation. They should be shut down or fined considerably for their business practices.

  Business Response

  Date: 01/02/2024

  CreditReview.Co is not affiliated with Freecreditscore.  This is not our account.   Please have customer contact them for resolution.

• Initial Complaint

  Date:12/21/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Credit review co hides their sign up in loan documents. I was applying for loans through websites that will match you with a loan offer and then transfer you. There wasn't any way to move on to my loan (which I was applying for during an emergency) so I had no choice but to sign up. They charged me 2 "free trial" fees and there is no way to cancel unless you call. They also lied and said in their fine print that they would charge monthly not weekly. I've tried 4 times after they said they were open from 2 different numbers and got an automated system. This all started on December 7th, it's been two weeks and they've already charged me twice for $9.94, four times in total, to do what credit karma and Experian do for free.

  Business Response

  Date: 12/27/2023

  In response to the complaint, our findings show that on 12/07/2023, the customer successfully enrolled in a 7-day $1.00 trial membership of CreditReview.co and $1 for additional identity protection. The customer did not contact us during the trial period to cancel the membership.  As per the membership agreement that the customer acknowledged, she was charged a weekly subscription fee.
  
  The customer states in her complaint that we hide our signups in loan documents.  We are not a loan company.  We provide our customers with access to their credit scores and reports and tools to protect our subscribers from identity theft, such as alerts and fraud insurance.  The customer also states that she was charged two $1 trial fees.  The customer was only charged for one trial.
  
  On 12/21/2023, the customer called our customer contact center and canceled her account. The customer also requested a refund.  Although the subscription fees were valid, our representative refunded the weekly subscription fees.
  
  Since the customer's request has already been satisfied, this complaint is closed. 
  
  

• Initial Complaint

  Date:10/25/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was applying for loans and a few of them asked for a credit report and had their own company they used to file these credit reports, and when I was asked to file any kind of credit report with any companies and made sure that it was not going to cost anything and if it was not going to be free I immediately backed out. Which is why I don't even know which loan company that deals with this company to file a credit report that charged me this amount and I saw on my cash card where they had attempted to withdraw this amount at least 10 other times before which I kept my cash card locked all the time and it was declined.

  Business Response

  Date: 10/26/2023

  In response to the complaint, our findings show that on 9/7/2023, the customer successfully enrolled in a 7-day $1.00 trial membership to CreditReview.Co.  The customer did not contact us during the trial period to cancel the membership.  As per the terms and conditions that the customer acknowledged, she was charged a fee of $39.94 for the month.  
  
  On 10/17/2023, the customer emailed us stating that she wanted to cancel her account.  Our representative promptly canceled the account, and a cancellation email was sent immediately to the customer.
  
  On 10/26/2023, we received a BBB complaint from the customer stating that she made sure subscribing to the service would not cost her anything.  We clearly state in the registration that this is a $1 trial and that customers must cancel before the trial ends to avoid membership fees.  Customers must acknowledge this to partake in the trial.
  
  Furthermore, this is not the first time the customer has subscribed to this service.  She subscribed to the same offer on 7/13/2022 and 12/16/2022. In both situations, the accounts were canceled for failure of payment.
  
  The membership fee is valid; however, we have refunded the membership fee as a one-time courtesy. Please let us know if you need further information.