We have lost over ten credit reports that were charged on four different credit cards and sent to who now whom or where. This company allowed for us to now be victims of identity theft. CIC is not going to work with us and the local authorities are not sure they will be helpful either. Be aware that if this company is that easily accessed and you've sent them your information or someone else has established accounts with your information you to will find yourselfs suffering from identity theft like we have.

The CIC Advatage is a joke. They say you get a free credit report and then billed me $12 for 10 months for doing nothing. I never heard of them and they gave me a $24 refund of the $120 they stole from me. They are a cooked outfit.
I don't even know what they do, except take $12 a montgh and they have never sent me anything-do not know how they get their INFO. - but it cannot be legal - KEEP FIGHTING TELL WE ALL GET BACK OUR MONEY AND WE SHUT DOWN THIS BOGUS SCAM. :twisted:

[aleo1203]

These things are such scams. That one advertisement on TV (I don't want to mention which one, but I am sure you have seen it) offers a free credit report but then automatically enrolls you in some bogus monthly subscription. My mother in law fell for it. I wonder how many tens of thousands of people are in her company.

You are allowed one free credit report annually, legit, no hidden fees. Just check out experian transunion or equifax.

The same thing happened to me. i was charged by CIC for an unauthorized charged. I called 1-800-220-2626 and spoke to a representative and I was refunded my money back. You can obtain a copy of your credit report for free at annualcreditreport.com. Its free, safe and you don't have to give them your credit or bank card info. You get a free copy of your report free once every 12 months with them. You can also obtain a free copy of your credit report at any one of the credit bureaus if you write to them and request it

I contacted them and asked for account to be cancelled but charges continue to appear three months consecutively for a total of $70. That's a brilliant business plan for criminals and greedy individuals.

[kscornell]

Scott, is there any way you can call them directly? That might be better.

This is how you get rid of CIC credit Monitoring and Get your money refunded! :twisted:

First of all, If you email them they will not cancel the account. I did this and even got a confirmation email. Then they charged my bank account two days later. YOU MUST GET ON THE PHONE WITH THEM TO CANCEL THE ACCOUNT. They know this but of course they won't tell you this because their goal is to continue taking your money as long as they can..

Forget about that other 1-800 number on your checking account statement. I believe this is a phony number purposely put into place by them to deter people from cancelling. I was on eternal hold until I finally decided to hang up 15 minutes later into the call on my cellphone.

Call this number 1-888-888-8553. Write down the time, date and who you are speaking to. Let the representative know that you wish to cancel immediately, (doesn't make any difference why you wish to cancel it is your right!) Make it crystal clear that if they don't cancel immediately you will file an immediate complaint with the BBB, FTC, and California State Attorney General. (more on that later)

At this time you may also want to request a refund of some or all of the charges depending upon your situation. (But even if they say No! All is not lost. There is other ways to get your money back) I am not sure what their specific procedures are for giving refunds, but I do know this. They are authorized to do an immediate refund at any given minute. That 7-10 day refund wait period is a bunch of crap. I checked my bank statement and the same morning I got off the phone with them, I had one of the charges posted immediately back into my account.

If you cant get them to budge on a refund: You can

A) Get refunded via your credit card company or bank. According to consumer affairs in CA, You can contact the issuer of the credit card charged or bank and have the charges reversed within 60 days of receiving the first bank statement with the charges on it.

If its way past the 60 days and the bank or credit card company won't refund the money you can also

B) Inform the State Attorney General's office and BBB that you wish to get a refund as resolution and see if the company will be motivated to give you the money back. If its too late for your bank or credit card company to intervene and you can't get refunded from the bank or credit card company, you should clearly state this in your complaint to the BBB and STate Attorney General.

C) File a claim in your local small claims court. Its cheap and no attorneys are involved. I know this sounds daunting but it might be enough to motivate the company to settle your complaint immediately to avoid negative publicity.

Last but not least, If you really want to put some fire behind these people Idle Threats will not work. I actually went to the websites for the BBB, State Attorney General, etc.. and immediately filed my complaints online. I then copied and pasted entire copies of my online complaints into an email and emailed it to CIC Credit's cancellations department to let them know that I mean business.

cancel(at)consumerinfo.com

The very next day I had the remaining amount refunded back to my account.

Good Luck!

I found the charge the following month from when I cancelled. I called the number on the billing statement from the bank, and was told by a recording that the "Office was now closed, Call back between normal business hours of 6 AM - 6 PM." I called at 10 AM this morning! Class action lawsuit anyone?

[surveygrrrl]

Good thing you caught it. I know this post is from a while ago. I an searching through credit report companies now. Thanks for the info on this one!

Just a few FYI's from someone who works for those big bad credit card companies. Threatening to contact the FTC, BBB, Attorney Genereral, a lawyer yada yada will get you absolutely nowhere with us, actually you will probably be treated worse. We listen to people complain & threaten & brag about how great their credit report is all day & you know what I do....I put you on mute & crochet a couple more stitches. We can see your credit report we know you are lying. Also if you try the route of getting an attorney they will laugh in your face because
1) you are taking on a HUGE company who will have 50 lawyers to your 1
2)you agreed to your terms & conditions when you signed that application so you pretty much gave us the right to do anything we want
3) most companies have an arbitration clause, again when you signed that agreement so you won't even make it to court.

If you want to get anythinig done to your satisfaction do something totally out of the ordinary....be nice. Don't be overly sweet (we know you want something in the first 10 seconds) just be polite ask for what you want, LISTEN to the person you are talking to they don't want to be on the phone as much as you do. If you can't get thru an automated system it's because you aren't listening to the options. Companies test their IVR systems daily to see if there are problems, if you can't get thru it's because you missed an option. Yes companies are slick about getting you to sign up for programs but DISCLOSURE LAWS require that we tell you everything up front so READ EVERYTHING first & you wont be in this mess.

I hate to burst your bubble but nobody is out to get you, in this day & age I'm really surprised people feel they are being taken advantage of considering the disclosure laws, you can't blame a company if you didn't read everything

hi, i want to know who exactly did you write to regarding this matter and what is it's email add? thank you

I am having the same problem. they are charging me and I never got a report from them. does anyone know a number to call?

[good.nelly]

When law is on your side, you do not have to worry about anything.

I never asked for any credit report from CIC. I have never heard of this company and I just looked at my bank statement and they have charge 44.95 to my account. How do I stop this from happening again and more importantly how did they get my debit card number?

I checked my bank statement today on line and there was a charge of 12.95 to someone that I hadn't heard of. It was CIC, so I called 1-877-481-6825 and waded through the run around part of the call and finialy got a real person and found pout that since I didn't cancel after 30 days, the computer thought that I wanted to keep my membership (Great computers thinking for humans now). I asked them to cancel my membership and they said that they would and I asked if they would refund my 25.80 and they said they would. We shall see in a month.

[kscornell]

I hope they do, and to be sure, I would put a block on your bank account against them to make sure that they don't get anymore of your money. Good luck!