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CREDIT DIAGNOSIS - CREDIT SCORE EXPRESS sign up for $1 to get my free credit report they charge the dollar to my debit card. Then 5 days later charged my card $19.95. I called them and ask for my money back they refused. I called my bank to charge back the lady at the bank inform me that there were 4 more pending charges to my account for this very same company lucky for me I did not have money in my account. I canceled my debit card immediately. I did some investigation on this company to find out by the BBB many other names they go by here is the BBB report.
BBB Rating for Vertrue, Inc.
Based on BBB files, Vertrue, Inc. has a BBB Rating of F on a scale from A+ to F.
Reasons for this rating include:
• Government action(s) against business.
• Business has failed to resolve underlying cause(s) of a pattern of complaints.
Click here for an explanation of BBB Ratings
Complaints reported to the Bureau primarily involve claims of unauthorized charges by the Company's affiliates. In such cases, customers reported no recollection of having agreed to the programs that were billed to their credit card, debit card or bank account.
The company has responded to all complaints offering a full unconditional refund for such unauthorized charges, while also denying that any of its charges were not authorized by the customers. The company has stated that, with the consent of its customers, its practice is to tape record telephone transactions, including the terms of the agreement with the customer. The company asserts that the audio tapes clearly reveal that all customers are fully aware that their credit card, or other forms of payment, will be charged for the program if it is not cancelled within the trial period.
Additional consumer complaints allege that when clicking on the website freescore.com, the consumer will receive a "free trial (which) includes credit scores and monitoring from all 3 credit bureaus. Consumers use a credit card to pay $1 for a "free trial." Some complainants allege that after cancelling their membership in freescore.com, they receive a membership with another Vertrue sponsored program and receive one or more $19.95/month charge(s) on their credit card. Vertrue, Inc. responds by stating that the consumer signed up for one or both programs, and failed to cancel the memberships. Vertrue does provide the requested refund, but often complainants remain dissatisfied because the advertisement led them to believe that they would receive a credit score and the consumer does not receive their credit score. Instead, the consumer has additional monthly charges on their credit card enrolling them in programs that they were unaware of through the Freescore.com website. Complaints received are affiliated with Freescore.com, Credit Score Express and Credit Score Complete.
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Business Contact and Profile for Vertrue, Inc.
Name: Vertrue, Inc.
Phone: [protected]
Address: 9500 W Dodge Rd
Omaha, NE 68114
Website: www.vertrue.com
www.galleria123.com
www.shoppingessentialsplus.com
www.privacyplus.com
www.YourSavingsClub.com
www.todaysescapes.com
www.adaptivemarketing.com
www.dealpass.com
www.free3bureaucreditreport.com
Original Business Start Date: July 1989
Principal: Ms. Deborah Podrazo, Vice President, Corporate Services
Customer Contact: Ms. Connie Zimmerman, Sr. Manager, Client Sales Support
Type of Business: Advertising - Direct Mail, Credit Cards - Protection Service, Purchasing Service
BBB Accreditation: Vertrue, Inc. is not a BBB Accredited business.
Additional DBA Names: Your Savings Club
American Express Health Services
At Home Rewards Club
Vertrue, Inc
Memberworks, Inc
DealPass
Privacy Matters
Sears PremierHealth
Sears CDHP
Sears CWD
Premier Health Plus
Premier Health
Healthtrends
HealthMax Advantage
First USA CWD
Countrywide Dental
WWF X-perience
ValueMax
Travel Club AMEX
SmartSource
Simple Escapes
Privacy Plus
Sears Healthtrends
Market Plaza
Leisure Advantage
HomeWorks
HOME WORKS PLUS
Home & Garden Rewards
GM Travel
Essentials
Essentials Gold
Countrywide Dental & Health
Connections
Cardmember Protection Service
BusinessMax
24 Protect
24 Protect Plus
First Fun
Todays Escapes
At Home Professions
Adaptive Marketing
Dealpass.com
Passport Of Fun
Vertrue Incorporated
Privacy Matters 123
Bargain Network
Freescore.com
Coverdell
DealMax
Family Safety Report
Credit Score Express
Credit Score Complete
Credit Diagnosis
SavingsAce
IdentityHawk
ClickMyCredit
The complaint has been investigated and resolved to the customer’s satisfaction.
I've head issues with Vertrue as well. A class action lawsuit was just filed over their practices, and it seems worth looking into.
http://www.prweb.com/releases/2014/03/prweb1166919...
Class Action Lawsuit Filed Against Vertrue, MasterCard, MyLife.com, Oak Investment, and Others Regarding Allegedly Fraudulent “Membership" Fees for Bogus "Savings Clubs"
Lawsuit claims that Defendants profit from charging consumers fraudulent fees for savings club “memberships”
Atlanta, GA (PRWEB) March 13, 2014
Atlanta law firm Webb, Klase & Lemond, LLC has filed a class action lawsuit against Vertrue, Inc., Adaptive Marketing, LLC, Velo Holdings, MasterCard International, Inc., MyLife.com, Inc., and Oak Investment Partners. The suit states that Vertrue partners with MyLife.com and other deceptive online businesses to trick consumers into unknowingly joining Vertrue’s “consumer savings clubs.”
According to the lawsuit, most club “members” never make use of their savings club “memberships” and cancel their subscriptions immediately upon learning of the fraudulent charges. According to the lawsuit, MasterCard earns fees by processing Vertrue’s charges while knowing they are fraudulent and processing such plainly illegitimate charges violates MasterCard’s agreements.
The lawsuit further states that Vertrue’s parent company, Velo Holdings, and MyLife.com’s investor-owner Oak Investment Partners, which invested $25 million in MyLife in 2007, also participate in Vertrue’s improper practices. The case, Chi v. Vertrue, Inc., et al., was filed in the United States District Court of the Northern District of Georgia, Atlanta Division, on February 28, 2014 and has been given case number 1:14-cv-00614-TWT.
The lawsuit proposes a class action on behalf of all consumers nationally who have been harmed by these practices.
The new complaint alleges that Vertrue’s “savings clubs, ” administered by its subsidiaries such as Adaptive Marketing, LLC, include At Home Rewards, At Home Rewards+, BusinessMax, Cross Country Savings, DealMax, Home Savings Mall, Food and Flix, Getaway and Save, Leisure Exclusives, My Great Deals, Passport to Fun, Passport to Fun+, SavingsAce, SavingSmart, Shopping Essentials, Shopping Essentials+, Simply You, Today’s Escapes, Today’s Escapes+, ValueMax, and Your Savings Club.
The lawsuit states that when consumers purchase goods and services from MyLife.com and Vertrue’s other online partners they encounter confusing, obscured ads for Vertrue’s “savings clubs.” Consumers click through these ads without realizing that they have accidentally “joined” one of Vertrue’s clubs, according to the lawsuit. The lawsuit also states that consumers who accidentally join Vertrue’s clubs are charged recurring monthly fees of $20 or more until they affirmatively cancel their “memberships.” Vertrue’s entire business model is based around this deceptive practice, and Vertrue’s co-conspirators, including MasterCard, knowingly facilitate and profit from Vertrue’s fraudulent activities. The lawsuit states that MasterCard approves such unauthorized charges, and profits from them, even though this violates MasterCard’s own rules regarding protection of private customer credit card data.
The suit asserts that the other Defendants are vital to the improper billing scheme. First, Vertrue transmits a consumer’s credit card data to the related credit card network, which the complaint alleges was MasterCard. MasterCard verifies the consumer’s identity and, the lawsuit states, analyzes the transaction to determine whether it is fraudulent. MasterCard transmits the relevant data to the cardholder’s issuing bank which, if it authorizes the charge, sends a verification message to MasterCard, which then informs the issuing bank that the charge has been authorized, according to the suit. The suit claims that the issuing bank then informs Vertrue of the authorization, at which point the purchase is completed and the issuing bank and MasterCard subsequently “clear” and “settle” all of Vertrue’s charges for that day, at which point the illicitly obtained funds are sent to Vertrue. The suit contends that all the Defendants are well aware of the illegal scheme, but they nonetheless participate in order to obtain substantial transaction fees.
Vertrue is a subsidiary of Velo Holdings, an investment group also named as a Defendant in the lawsuit, that acquired Vertrue in 2007. According to the lawsuit, Velo and Oak Investment, MyLife.com’s senior investor-owner, were fully aware that Vertrue’s business model relied on consumer fraud when they acquired their positions in these online companies. The suit asserts that these investors nevertheless controlled, participated in, and profited from Vertrue and MyLife for years while doing nothing to curb the companies’ highly illegal business practices.
If you have unknowingly joined one of Vertrue’s savings clubs and wish to discuss this action, or if you have any questions concerning this press release, please contact Webb, Klase & Lemond by e-mail at contact@WebbLLC.com or by calling [protected]. Webb, Klase & Lemond, LLC is a law firm that practices complex litigation with a focus on litigation arising from wrongful deprivations by corporate and government entities.