MNI Credit Report Services review: Can't cancel automatic charges 328

Thief ! That is the only thing I can say about this crazy unfair THIEF service who trap people! People who work there are very very dangrerous and their job is trapping people...tha is how they make money... AVOID THEM!
IF by any chance any of these people know about your credit card number (even if that person is your freind or relative) immidately and as soon as possible JUST change your card number... there is no other way to get rid of them and they will charge you for ever...that is their job!

Michael, thanks so much for posting that telephone number [protected] )! I was able to get the charges stopped but when I asked for a refund of the previous charges, the rep who handled it insisted that I ordered the service and therefore the previous charges would not be refunded. I told her I had not ordered the monitoring service, and even if I had, there WERE changes to my credit report since that time and I received NO notification from them, so the service is worthless! The rep again said she wouldn't/couldn't refund the past charges. She claimed I was sent emails verifying my membership and I had 10 days to cancel and since I did not, I was stuck with the previous charges. I told her I hadn't received a single email and she kept insisting that they were sent. She even asked, "Do you want me to read the email to you?" I told her no, I wanted to speak to a supervisor. She asked me why I wanted to speak to a supervisor! Gimme a break. I told her because I wanted the previous charges reversed. She claimed a supervisor could not reverse the charges and transferred me over to a "Priority Line". The lady from the Priority Line actually was nice and not a liar like the first rep and admitted that they had NOT sent me any emails and she issued a refund without any hassle that she said would be credited to my account in 3 to 5 business days. So if you have trouble getting the past charges reversed, ask for the Priority Line.

How can I use law to fight against this company?

I am also cheated by this company!

I was checking my account today and found out that this company had tagged onto my online payment. I have no phone number to disput this claim, which I did not order. Now, I have to pay extra to cancel my card and have a stop on this fake company from pulling anymore money from my account. It is time consuming to go through this process and definitely a need to have Excedrin at hand for the headache they have caused. Beware to all people! THIS COMPANY, if it really is one should be sued and shut down!

same thing happaned to me, and I actually called and cancled right after I checked my report! they still charged me the next month. Thanks for the phone numbers I called and they said they would cancle it, we'll see

MNI was charging my account $12.95 for 12 months which totaled over $155, i noticed the charges but i wasn't sure what it was so i never pursued. I called and requested to speak with the manager who said his name was Fernando, he was very rude and sarcastic. He refused to give me my money back, he told me that i signed up to receive credit monitoring when i signed up to get a free credit report from freecreditreport.com, stay away from that website, they are frauding people. It is a scam, you will get charged. Beware of that website.

I was charged $12.95 for 12 months without even noticing it in my account until today. I called and spoke with the manager and he was rude and sarcastic. He told me that it was in fine print that i signed up to receive the services, even though i never received anything from them. Not only that, they said they emailed me the information, but i haven't had the email address for almost a year. Stay away from creditreport.com, you will get scammed. If you need to get your credit report, go through the bureau.

Just a few days ago, I saw 3 pending charges for $1 each from MHI CreditReport.com. I let it go 1 day after reading my bank's descrioptions of pending charges and that these pending charges might not even go thru. The next day the 3 pending charges were for $14.95 each all on the same day. I called BOFA and told them I was seeing suspisious activity in the pending category. The BOFA lady went thru this whole long speil about how people sign up for the services and forget to cancel. I told her I did not sign up and in fact had never ordered any credit report online. After she hung up on me I called back and got another lady that must have been related to her, because I go the same speech from her. Finally I was transfered to the fraud department were they adjusted out the charges and sent me a new card, but not before approving the charges. Seems odd that they would even pay them when it was obviously not a legit charge and that there were 3 in a row on the same day. Oh well, it is in their hands now.

Eat it NMI. I hope you and all of your worthless know-it-all telemarketer kids burn in hell.

My bank account has been charged every month for 4 months now for 14.95. We called three months ago to have the account canceled but instead they just renewed it! They have over withdrawn my bank account twice now and they won't refund any of the money. When we called to try to get our money back they hung up on us.

Same stuff. None of the Complaints sound as though those filing them are either crazy or stupid. I know I'm not. I accessed a "free" credit score set from MNI via the Internet ad, and found that I was enrolled in their "monitoring system", which is a joke anyway. I cancelled this service via both internet, which did not appear to "take", so I called to speak to a customer service rep, who reassured me that it would be cancelled and I would not be charged.
My credit card has been charged $12.95 monthly from November through the present, and I had called to cancel in October, when I received the credit scores. That is 12.95x5 thusfar, =64.75.
I called my credit card company and filed a dispute, as the rep from MNI gave me the same rap again today: you are cancelled as of today; here is your confirmation number...
but I cannot remove the charges, even the present one.

Isn't it ironic that MNI purports to save consumers from fraud and misinformational credit reporting? Another company with no shame!

Talked to them AGAIN! THIS time, they couldnt even find my account, and instead of listening to me and responding the woman starts to read a pre-written response "well ma'am, in theses hard economic times credit fraud is at its peak, here are the many ways it can happen blah blah blah, so for 9.95 a month..." I cut her off, I dont want to give you more money, I want what you already took!

My bank is taking care of it, but I would LOVE to be involved in any suit against the company whose only response to fraud is to tell me that other companies do it to.

I canceled my account and my husbands the day after purchasing the free trial...its been almost 2 weeks and suddenly there is a $15 charge on my account from them. I called and they keep saying there was activity on his account after being canceled, so they had to charge, I keep telling them it wasnt from us because I couldnt even GET his report and never went back to the site to try. They refuse to let me cancel. When I told them about all the complaints I was told "Well, McDonalds had complaints...Wal*Mart has complaints" to which I reply "So McDonalds ###s up, and that makes it okay to take our money?!" wtf is that?!?! and if McDonalds jumps off a bridge, maybe they will too.

I called and requested cancellation of a service that I didn't order. It shows on my credit card account as: MNI*CREDITRPT MNTR SVC [protected] CA

I called that phone number and got a representative who has supposedly cancelled my account with no further charges. I'd like to find out how we can get their TV commercials cancelled too.

Free Credit Report.com my achin' butt!

i was ripped off by them for 6 months.they charged my card twice a month.if a lawsuit happens (which it should) count me in...1soonerfan@cox.net

tried there free trial cancled subscription afetr 1st day, but yet mni has charged me for the last 6 months twice monthly.this is the biggest scam on the internet DO NOT USE THESE FRAUDULANT ###

I was ripped for 15.95 and they keep saying they didnt charge me but 14.95 when I didnt ok the charges to begin with. They are ripping people off during these hard times and our government let them do this. If everyone wants to sue them im all in. woodwir@yahoo.com please feel free to have a lawyer contact me.

i have the same problem i cant fine the way to cancel and they charging me monthly of 12.95 and i have call them to cancel... be careful

The same thing happened to me... I just called them. Thanks for the numbers. I might be interested in a lawsuit.

new card = close out unwanted invader such as MNI credit. speak with your bank and obtain a new card with for no charge

just cance your credit card with your bank... make sure your actual charges are clear or already posted. speak with your bank and demand a new card!

I just re-read the posts above mine, and yes, it does state on the website that the charges will be made after the free trial, HOWEVER, ANY site that does this sort of service asks for as much information as they can get to do a check [or so it seems...] I've only had one site that's given me issues with canceling their service after I've found that I don't need/want it, and that would be this 'free' credit report one. There shouldn't be a need to look up over the net to find exactly who they are. I never got the emails stating I was getting charged, or when my trial ended. I save -every- email that's stating that I am paying/being charged anything, as well as other orders I make online. I never got one from this service, it feels like they're being sneaky about it - to a point. Yes, I check emails/spam folders daily so it's not something I think I'd look over or miss for two months straight if it were going to my email acct.

I just got off the phone after finding the MNI* Creditrpt MN and CIC* Triple Advan. bills on my account.. I've got the cancellation number to confirm the action, but I'm worried they will attempt to continue charging me. I -never- signed up for a reoccurring charge to my bank when I used their 'free' services the first time. I'm wishing I'd checked up on who I was asking for credit reports sooner, obviously with complaints against these guys dating back to 2007 [and I believe I saw one as early as 2005], something should be done to force companies like this to add a 'cancel' button to their sites at the very least, and send confirmation emails out as soon as the action is taken. I'm really sick of finding services like this that try to be stealthy about their charges.

Like the last person posting, when I searched this company's charge on my statement, it brought me directly to this forum.

What a scam by such a low life bunch of people. The one thing that I can not help but notice is that you never receive a confirmation e-mail stating that you're enrolled in this so called monitoring service with an explaination of how it works.That's so it is never brought to your attention and never confirming that you are enrolled so the charges can keep being applied to your account numerous times.
Fortunately I am very anal about checking my accounts online and spotted this charge which was showing up for a second time.The first charge I just figured I had to eat, that I was just stuck with that from when I ordered my credit report. I immediately checked into this MNI co. when the charges showed up for the second time. I googled the phone number and was brought right to this complaint forum. Upon seeing this I then called my credit card co. to report this activity and low and behold I felt like I was getting the runaround from them. They would ask about the charge I was disputing, then transfer me and keep me on hold and I would eventually lose the call altogether. Finally the fourth time of calling back my credit card co. and just about spitting fire through the phone at them, a girl gets on the phone.She was talking so fast and barely understandable and starts telling me that they don't like to dispute these credit service companies because they are affiliated with the government and that sometimes the customer will wind up with some kind of adverse info on their credit reports do to filing a dispute with the co.. By this time I was just really irrate about the whole thing and she had told me she was going to go ahead and put a stop on the charges and that I would not be billed again.
The next day I started thinking about it again and figured that I had better call the company directly to cancel the "service" so that they couldn't claim that I wasn't paying for a service for which I had signed up for.I didn't want to take the chance of it showing up on my credit reportas some kind of deliquency.It pretty much went just as I had read here that it would when I called to cancel. Some girl answered and she sounded very uneducated and also nervous about the call. She tried her best to convince me that I needed the service. I even did the 2 step with her for a couple of minutes questioning their service and explaining to her that I had been enrolled in a credit monitoring service in the past and that her service did not seem to operate in a way that makes any sense. Finally I had to just tell her that I am calling to cancel and I don't want the service. She took my info as others had stated they would, social sec. number, name and e-mail address. She then told me that the service would be cancelled and that I would not see anymore charges showing up and also gave me a cancellation number to confirm the action.

The fact that these oh -so -helpful "agent" that answer phones at MNI are complaining about how many people are calling to cancel fradulent charges should tell you something. If it weren't such a scam, why would such a large number of people be claiming fraud?

I had no problem paying for a service even though I overlooked that I would be charged. Yet, I never received this "credit monitoring service" that was promised. That is where the real problem lies. Maybe if we were contacted concerning our credit, not as many people would be in the dark about being charged.

I contacted them about a refund on services I NEVER agree to! They refused and said they sent emails, its strange that I have not received the emails when they said they were sent. DO NOT USE THIS COMPANY! I contacted my bank and filed a FTC compliant.

hahahaha... I'm so glad someone finally said it... Instead of everyone coming on this website to complain.. how about you go back to the website and take a look at it... It CLEARLY states on several different pages that you will be enrolled in the monitoring service... I am 20 years old and as soon as it asked for my credit card info, I read everything to see why it needed it. It wasn't hard, or my favorite term "misleading"... It freaking says you will be charged after your trial period... I work for MNI.. and i take calls daily and listen to people claim they have been scammed. haha! READ THE WEBSITE! And then i deal with people that have been charged for YEARS and are just now calling to ask what this charge is... Here is what everyone should do... read what the hell you are doing... and most importantly check your bank/credit card statements.. how do you go years without knowing about charges!? This is why identity theft is the NUMBER 1 CRIME IN THE US! Because people do not pay attention to their finances!

As an agent with all center that takes inbound calls for MNI, here is what I would like to say when individuals like you call in claiming MNI or creditreport.com ripped you off.
If I could be brutally honest with a customer, I might say something like this:
"Mr/Ms Customer, are you stupid? Why do you think we ask for your credit card? Our website clearly states (all over the place) that you are signing up for a free trail of our monitoring service and in the process will also receive a free credit report. In fact, if you had actually read the print (and it's not even "fine print" - font is same size as other text) that is on EVERY page you must navigate through when signing up, it clearly states that YOU WILL BE BILLED for our credit monitoring service after your free trail ends. Sure, the text is not in large bold underlined print, but you're stupid if you ignored it. And yes, we have been billing you for the last four months. You didn't know this?! Do you read your monthly credit card statements? You don't?! Then you are even more stupid. We also send you an email every two weeks minimum. Do you read your email? Do you ever check your junk email? You don't?! Well, then, you deserve to be charged simply because you're beyond stupid."
I also love it when I get a phone call from a customer and they have their credit card or bank on the line, absolutely confident that I will kowtow and admit we scammed them. Once I state the facts, the cc/bank let's their client know they are responsible for the charges, not CreditReport.com. I'm sure the banker also thinks, “Stupid ###".
"So Mr/Ms. Customer, rather than blame CreditReport.com and MNI for scamming you, consider the fact that you are sloppy, and need to do a better job of looking at the “terms and conditions", especially if you are entering your CC#. In fact, since you're so sloppy and stupid, you probably need the credit monitoring service you're being charged for. Your stupidity makes you a prime candidate to become a victim of ID theft or fraud."
Ah, feels good to finally say what I've wanted to for the past month.
Oh, those who claim they have called to cancel and later found out that charges were still happening. . . consider that you may have signed up a other websites that offer the same type of service and failed to call them. I can't tell you how many people I speak with who call and are extremely upset to find out they are still being charged after canceling. However, after I ask a few questions, it become obvious that must have spent an afternoon in the past signing up at many websites, looking for credit reports, entering the CC number, etc. Idiots!

I am really pissed off! Check this out!
My 80 year old father went on line to free credit report . com to get his credit score, he was thinking of getting a personal loan due to that fact that he is on a limited income. I'm sure some of you can relate. My dad also was charged a fee of $12.95. "What false advertisement and piracy
the "FREE" credit report is.
I called the credit card company that the fee was taken out off to see what I had to do to get this charge reversed and to make it stop. They told me to contact "FREE" credit report.com and dispute the charges. I did this and they assured me that the charges would be reversed. I also canceled the membership. Well the next statement came and they did not reverse the fee and the credit card company charged my dad a late fee of $39.00 plus a $1.00 service fee to include now my dad has a delinquent mark on his credit report. NICE! For a 80 year old senior on a limited income!
So, once again I call "FREE" credit report.com to find out why the fee was not reversed as the guaranteed it would be. Guess what? They had no record of my dad even being a member! I asked to talk to a supervisor and they hung up on me three times!
I believe this is a scam also and looking at all the people who are experiencing the same issue we all should file a class action lawsuit against both "FREE" credit report.com and MNI credit monitor service. Think about it. If you do the math these companies have made millions already from this misleading advertising. YES let me know as well when the lawsuit gets filed and feel free to E-mail me. I am also filing a complaint with the Attorney General in Washington State. Thank all of you for wanting to stop this...

This is ridiculous, I wrote them an email saying I couldnt access my account. I gave them my log-in name and password and told them to CANCEL IT! and they just charged me again! DO NOT USE THIS SITE!

I was racking my brain trying to think of what I did to get these charges. If anyone is serious about a lawsuit, I say let's go for it. I am tired of internet scandals! Email me and we can figure out how to get started! ryanjacobs74@msn.com

They did the same thing for me. I never agreed to anything but one credit report over a year ago. I just found out they have been charging me monthly now for about 14 months. This is such a scam. When I called them to cancel, they wouldn't just cancel, they kept trying to get me to do it at a discount. I never even wanted it or saw the credit reports (after the first one). At least if I was paying for it, I would have liked to look at them!

I cant believe something like this could happen.The same thing just happen to me.What a shame the things people could do to others and get away with it.
like one person said i feel like a really small fish in the big ocean. WHAT A SHAME the things company do.

MNI is ripping me off. Unauthorized access to my credit card. No way no how I will put up with this type of larceny. They hung up on me as soon as I called to complian. BBB do your job and shut down this group of thieves.

make sure every little thing is spelled right. I to have been charged 12.95 for three months. Why when all i needed was a free report like they said. Never was anything on web site of more charges. I canceled in sept. And since i am on the road and didn't have a cancel number they have gotten away with 2 more times. When is our government going to do something about the illegal stuff going on. Class action should be done

i to am getting the run around also i never recieved a credit report but they are charging me even tho i canceled with them in sept but they say i never did. Bull the free credit report is just another scam just like all the darn companys out there. When is our government going to stop this illegal dealing. The gov says they will but i am not seeing any action. Doesn't do any good to turn them in to consumer affairs when they just sweep it under the table and never do anything against the illegal things going on in this country. Enough of this already. When are we going to be protected by our government that is suposed to be for the people and not criminals like mni credit report. Class action suite sounds great

I like everyone else, had a charge on my checking account from this company. I had wanted my credit report and surprise! I called the company and told them I wanted to cancel, had to give them all my information for them to do this. Then they wanted me to try the service, that I didn't want in the first place, since I had already been charged 12.95, then if I didn't like the service to call back on the 1st of Ded to cancel. What a ripoff this place is. Someone needs to shut them down!

For anyone who hasn't been scammed by freecreditreport.com yet. Don't go there. To get a true free credit report, as required by law, go to:

annualcreditreport.com

It is the only free place to get your credit report. The government required the credit bureaus to set it up. It is not advertised because the credit bureaus don't want people to get t

The same thing happened to me, as to everyone else, Boy am I stupid. I would like to contact the news media and get this so called company, exposed I'll be damn I'll let these a-holes get away with this.

I also have been scammed by MNI for $12.95 a month for four months. These guys are crooks and need to be stopped. Has anyone wrote to the CA Attorney General? I am glad that American Express took action. Cardmembers Services of Wilmington DE has agreed only to send me information for the disputed charges.