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:02/18/2025

  Type:Product 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 went to transunion I think it was, and there was a tab to move on that I had no choice to do but hit the checkmark and give my information. It wasn't through transunion, but choicecreditscore I came to realize because a $9.94 charge was debited from my bank account. I called and they said they couldn't give me a refund unless I filled out a document and all these jumping through hoops knowing consumers won't follow through. I never gave them permission to charge my card and was misled by the process thinking it was transunion and not choicecteditscore. I want a refund for service I didn't use or sign up for. This is a fraudulent way of getting money from consumers. I plan on moving forward with my AG, Consumer Report sites, and other review sites if I am not refunded. This company needs to be held responsible for the tricky ways they are collecting money. Not happy at all with this turnout. I'm unemployed and a student, and wouldn't spend my money on this eervice because I know the free ways of getting my credit score and credit report, and was involved in class action with equifax where I can get all the information needed for free for 3 years. Again, I will move forward with reporting this company to other consumer agencies if BBB cannot find a solution. Thank you.

  

  Business Response

  Date: 02/21/2025

  Our findings show that on 11/17//2024, the customer successfully enrolled in a 7-day $1.00 trial membership to Choicecreditscore.com. The customer stated that he did not give permission to charge his card, but as per the membership agreement that the customer acknowledged in order to complete the registration, we charged the credit card on file for the weekly membership at the end of the 7-day trial.  All of these details, including trial length, trial price, the weekly 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 addition, 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 email address and phone number used to register the account also match the information provided in the BBB.  The customer also completed the verification process and viewed their credit score and credit report, 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.

  
  On 02/15/2025, the customer called our customer service center and requested cancellation and a refund. The agent attempted to explain the sign-up process and the refund process, but the customer did not accept the offer.  The agent canceled the account per the customer’s request.  

  
  In summary, we have no reason to doubt the validity of the charges. The customer’s account has been canceled, and a refund was issued as a one-time courtesy.  No further action is required. Please contact us if you need further information.

  
  

• Initial Complaint

  Date:02/10/2025

  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.

  like many others zi have a problem with their billing..acct was opened 10..01.2024 for $1 trial didn't cancel in time for member charges..Nov 5 2024 I called to cancel representative talk me into a lower fee of $4.94 monthly ( I thought was monthly) to monitor credit.. Dec an Jan was busy months for me I saw the charge but didn't put it together that I was being charged $4.94 weekly..if had known that I NEVER WOULD HAVE AGREED TO THE 4.94...and of course in their notes it was stated I agreed to the wkly charge and I didnt...the representative misrepresented the offer to me ...then same story with National Credit Review co did samethimg and I realized today that these 2 company's operate the same way both have same info for contact and both send cancelations from same email...This clearly states to me that they are the same company using 2 different names and charging customers 4.94 wkly from credit choice and 9.94 from credit Review for the same service and both say and use the same tatics..to me this is fraudulent and also called deceptive business practice that is against the law...neither one will issue refund bc not policy and notes on system always agree with them even when they have lied..with all the complaints over the exact same problem the BBB is not investigating it enough or doing anything about it..Come on now that many ppl being strangers can't all have the same story to file complaints and the company be In the right just bc their system says it is..most systems like theirs can be manipulated by workers doing wrong and knowing how not to get caught. this matter needs a thorough looking into with both company's operating as one.. bc employees can access both companies customers information from same location...choice credit got me 71.04 abd credit Review took me for 106.00 from Oct 2024 to Jan 2025.. so 171.04 went to basically same company for exact same service around exact same dates...this is just 1 person..man they are really making the money

  

  Business Response

  Date: 02/13/2025

  Our findings show that on 10/03/2024, the customer successfully enrolled in a 7-day $1.00 trial membership to Choicecreditscore.com. The customer did not contact us before the trial ended and regular weekly billing commenced.  As per the membership agreement that the customer acknowledged, we charged the credit card on file for the weekly 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.  

  
  On 11/05/2024, the customer called to cancel their membership.  Our customer representative explained the benefits of the service and offered the customer a discounted rate of $4.97 to be billed on every eighth day along with a $25.00 shopping rewards coupon that the customer agreed to

  .
  On 02/07/2025, the customer sent an email requesting that the membership be canceled.  The account was canceled the same day and a cancellation confirmation emailed to the customer.

  
  On 02/12/2025, 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.

• Initial Complaint

  Date:01/07/2025

  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 charged for a subscription that I canceled immediately after signing up for the free trial because it was not what I wanted. Then I get charged. They can clearly see I have not accessed this product. I cancelled never use4d it and want my refund.

  

  Business Response

  Date: 01/10/2025

  Our findings show that on 12/11/2024 the customer successfully enrolled in a 7-day $1.00 trial membership to Choicecreditscore.com. We have no record of the customer canceling the membership on the same day or before the end of the trial.

  
  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 Choicecreditscore.com.
  

  Our records show the customer contacted us via the web on 01/02/2025 stating they had canceled and requested a refund. Customer support immediately canceled the membership and sent the customer a Refund Process email that explained the process to submit their refund request.  On 01/07/2025, the customer responded to the Refund Process email again stating that they had previously canceled the membership and wanted a refund.

  
  As noted above the account was canceled and on 01/07/2025, 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:11/19/2024

  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.

  Despite me emailing them in september and then again in October because i saw another charge to cancel both my accounts they only canceled the 2nd email addresses account and still try and charge my card...then they bring up the whole no refund policy when it's there fault to begin with when it should have been canceled originally...I have paid this company almost $120 that I shouldnt have to begin with when I canceled it

  Customer Answer

  Date: 11/19/2024

  Got a response back and am waiting on refund...no longer need this complaint

• Initial Complaint

  Date:10/25/2024

  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.

  This company was making random debits from .50 to 9.94 on my account. I contacted them in which I received a reply that they don't have an account under my name or my card. I contacted my bank and received a new debit card and yet today on 10 25 24 I received a charge of 9.94. They also charged. 50 on 10 19 24. I just want this company to stop charging my account randomly. If I don't have an account with them leave my money alone.

  

  Business Response

  Date: 10/25/2024

  Our findings show that on 09/12/2024, the customer’s wife successfully enrolled in a 7-day $1.00 trial membership to Choicecreditscore.com. The customer did call our contact center on 09/12//2024 to cancel the account but our agents were not able to locate the account using his name, email address or phone number.  The agents did ask the customer if the account could be under another email address or phone number and were still unable to locate the account.
  

  On 09/19/2024, the customer called again and initially the agent was not able to find the account but then asked the customer if it may be under his wife’s name and email address.  The agent was able to locate the account using his wife’s name and email address and asked the customer what he would like to do next.  The customer said he would call back, so the account was not canceled at that time.  We did not receive a followup call from the customer.
  

  We apologize for any inconvenience.  The customer’s wife’s account with Choicecreditscore.com has been canceled and as a one-time courtesy, we have provided the customer with a refund and the 10/25/24 charge has been voided.
  Please let us know if you require further information.

  Customer Answer

  Date: 10/28/2024

  
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 22472454, and find that this resolution is satisfactory to me.

  I'm satisfied as long as the account is canceled.

  
  Regards,
  
  B**** *******
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

  
  

• Initial Complaint

  Date:08/02/2024

  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 have contacted this business last month to cancel my account with them after deciding I no longer wanted it. They claimed they did but this morning I checked my bank account to see where they are attempting to take another $9.94. I have emailed them once again to cancel but have gotten no response. I’m not very happy with them because it seems they don’t want to listen to customers who no longer want their services.

  

  Business Response

  Date: 08/08/2024

  Our findings show that on 06/17/2024 the customer successfully enrolled in a 7-day $1.00 trial membership to Choicecreditscore.com. The customer did not contact us before the trial ended and regular monthly billing commenced.  The customer had another account with a different company, with a different email address and handling process.  When the customer sent her cancellation email on 07/05/2024, she emailed the other company. 

  
  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 Choicecreditscore.com.  The cancellation email she received was from a different company.

  
  On 08/05/2024, upon receipt of this complaint, the customer’s account with Choicecreditscore.com was canceled and 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: 08/08/2024

  
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 22081554, and find that this resolution is satisfactory to me.
    I just don’t want to deal with this company or the other one they claim is taking the money anymore. Not going to matter they are just going to lie. 
  Regards,
  
  A***** *******
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

• 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.

  I had the service of monitoring my credit report to this business and I decided to cancel it which I did in accordance with their directions. They stopped trying to collect my money but now today on the 23rd of December 2023 at 4:00 a.m. my time they tried to sneak into my account and did a test charge of $2.95 just like most scammers would do before they hit you with the big charge. But I was awake at the time and I caught it and I got on your site and I see that everyone in their complaints is the same as what I'm complaining all about billing they must be going belly Up because if they have to come in and sneak money at 4:00 in the morning then something's wrong yeah because I tried to call them and they said they were open 24 hours and they had a recording said that they weren't although they're advertising says they are and that you can speak with them but I got to recording so I went on your site and saw that everyone in the complaints is the same as mine I want them to stop charging me I don't give a damn about the $2.95 but I want them to stop charging me yeah yeah

  

  Business Response

  Date: 12/29/2023

  We have researched the customer's complaint and found that the customer did not cancel the account.  On 9/1/2023, the customer contacted us to cancel, but he agreed to a 60% discount and a $25 shopping reward coupon to keep the service. The customer contacted us again on 9/17/2023 to cancel his account and decided to keep the account for an additional discount.  During the call, he mentioned losing his wallet in Florida, and we provided him with the identity theft department.  On 12/23/2023, we received an email from the customer wishing to cancel, and we canceled the account.  A cancellation email was sent to document the closure of the account.
  
  The customer also mentioned in the complaint that we are open 24 hours and that he was unable to reach us.  We are open Monday-Friday, 4:00 am-8:00 pm PST, and Saturday and Sunday, 7:00 am-3:30 pm PST.  Customers may contact us anytime via email.
  
  Since the account has been closed, there is no further action required. Please let us know if you have additional questions.

  

  Business Response

  Date: 12/29/2023

  We have researched the customer's complaint and found that the customer did not cancel the account.  On 9/1/2023, the customer contacted us to cancel, but he agreed to a 60% discount and a $25 shopping reward coupon to keep the service. The customer contacted us again on 9/17/2023 to cancel his account and decided to keep the account for an additional discount.  During the call, he mentioned losing his wallet in Florida, and we provided him with the identity theft department.  On 12/23/2023, we received an email from the customer wishing to cancel, and we canceled the account.  A cancellation email was sent to document the closure of the account.
  
  The customer also mentioned in the complaint that we are open 24 hours and that he was unable to reach us.  We are open Monday-Friday, 4:00 am-8:00 pm PST, and Saturday and Sunday, 7:00 am-3:30 pm PST.  Customers may contact us anytime via email.
  
  Since the account has been closed, there is no further action required. Please let us know if you have additional questions.

• Initial Complaint

  Date:11/02/2023

  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 am literally disgusted with this company and they should be in trouble for their practices. I signed up and it was a free trial. I canceled my account but now I’m getting a charge from them for 19.94. I’ve been emailing them for about a week and a half with no response when their website states they usually get back to people within 24 hours. I’ve called on six different occasions only to sit on hold for 45 minutes and nobody picks up. I want a refund of my money because I have already canceled my account before the free trial was up and I don’t know what happened but my account says it’s active now I want my money back and I want my account canceled as I’m not doing business with scam artists

  

  Business Response

  Date: 11/09/2023

  On 7/7/2023, the customer enrolled in a $1 7-day trial of our service.  The customer acknowledged the terms and conditions to participate in the trial.  The terms and conditions clearly state that the customer must cancel the trial to avoid billing.  We also sent a Welcome email that reiterated the terms and conditions and provided instructions on how to cancel the account.
  
  Customers may cancel the account online using the Contact Us form or may call our customer service center during business hours, Monday-Sunday.  The customer did not cancel during the trial, so we attempted to collect the subscription fee.  After several attempts, we were able to process the subscription fee successfully.
  
  The customer claims that he canceled the account before the trial ended.  On 9/5/2023, the customer called and waited less than a minute.  The call was disconnected before he spoke with a representative.  On 10/27/2023, we received an email requesting a refund.  The customer also sent several emails on 10/28/2023 and 10/30/2023.  Due to a system outage, the customer's email did not receive a response until 11/2/2023.  Since the subscription fee was valid, we sent an email requesting that the customer complete and return a refund application.  The refund application was not returned.
  
  We apologize for the delay in answering the customer's email.  Although the charges were valid, we have granted a refund of all charges due to the inconvenience.  Please let us know if there are further questions.