ComplaintsforGolden Scores, LLC

• Initial Complaint

  02/05/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  ************** 5-26-23-----$1.95 8-30-23-----$19.95 9-01-23------$19.95 11-03-23-----$19.95 11-30-23-----$19.95 02-01-23-----$19.95 $$99.75 I have called the number (**** ******** multiple times. i get the youve reached us during non-open hours call back during bla bla bla. they have no email no chat so i got creative and did the forgot password on there web page.. it sent me an email and i clicked the link and went back to their page and it told me i didn't have an open account with them. i use ****** ***** which is free as is ****** ******. i just want my money back and paid for all the time ive spent trying to get them to stop debiting my account. ridicules

  Business response

  02/16/2024

   Ms. ********* signed up for services on July 21, 2022, completing a 4-page process that required her date of birth, social security number, full credit card, and billing information, as well as completing a third-party identity verification with the credit bureau. In order to log in, Ms. ********* was required to use the email address that was provided at sign up. Comparing the email address used and the one on this complete, they are slightly different. A simple click on the Contact Us link on the website would have taken her to the customer service number and the days and times customer service is open, which are:
  Monday-Friday: 9 AM - 9 PM EST
  Saturday: 9 AM - 4 PM EST
  Sunday: 1 PM - 6 PM EST
  Customer service would have been happy to help. A courtesy refund has been issued.
  We ask that this complaint be closed.

• Initial Complaint

  02/05/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  39.00 and 1.99 attempt over 35 times the last six months of 2023, had to lock card it absurd now many scam debits for credit checks unreal. Disabled my account and cannot stop it I've tried. ******* * ***** ******** ***** **** **** *********** ***********************

  Business response

  02/16/2024

  On May 6th 2023 Ms. ******** was successfully billed $1.00 for the 7 day trial she signed up for. Ms. ******** did not cancel her account and attempts to successful bill for the service was made after the trial ended, before her account was canceled. She never did pay for the monthly service, therefore there is no fees that need to be refunded. Her account is canceled. We ask that the complaint be closed.

• Initial Complaint

  02/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In October 2023 this company took money out of my account without my authorization. I was able to contact them and get a membership they said I signed up for canceled and that money was refunded. However, for the past three months this company has continued to charge my account $1. I called last month to verify that my account with them was closed and to ask for the $1 to be refunded and for them to stop charging account without consent! The person I spoke with could not answer the question as to why I was still being charged though. Yet again this month, I have another unauthorized charge from this company!

  Business response

  02/16/2024

  Ms. ****** signed up for services on July 14 2022 and authorized the charges that included the $1 trial fee. The account was canceled by Ms. ****** on November 14 2023. The additional fees were for past due amounts that had not been collected. As a courtesy, Ms. ****** has been refunded and as such we request this complaint be closed.

  Customer response

  02/18/2024

  
  Complaint: ********
  
  I am rejecting this response because:
  This company has continued to charge my checking account even after I called them several times about this issue and informing them they do not nor have they ever had permission to do so. Yes they have refunded my money but something needs to be done about them stealing people's money and using their accounts illegally!
  Sincerely,
  
  ****** ******

  Business response

  03/05/2024

  Ms. ****** has not been billed or charged past the date of January 30, 2024. 

  Customer response

  03/07/2024

  
  Complaint: ********
  
  I am rejecting this response because:
  I was billed several times over the course of 3 months or more for charges that I never authorized nor did I ever use their service! 
  Sincerely,
  
  ****** ******

  Customer response

  03/08/2024

  I have not been charged as of January, however, I was charged in September,  October, November, and December. Not one of these transactions were authorized by me nor did I use your service or product! 

• Initial Complaint

  01/16/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Called several times to cancel. They refused to send an email confirming cancellation. They say they have an online chat to cancel but it does not exist. Company is operating a fraud.

  Customer response

  01/16/2024

  Thank you for your note. I'd like them to make it possible for consumers to "cancel" their membership online or in their dashboard. Currently they claim that they offer 2 options: 

  1) online chat -- they SAY this option exists, but in reality it does not. They should not say this option exists if it does NOT exist. 

  2) phone call to them to cancel. I spent over an hour trying to do this, and ultimately i had to call back many times. They did not immediately send a cancelation email, and they deliberately make it very hard to complete the process. 

  Business response

  02/01/2024

  Mr. ***** called on January 16 at 12:30 pm to cancel. He was immediately canceled on this first call to customer service. He requested an email confirming cancelation and was informed the email would be sent out by the system and could take several hours. The agent was unable to send out the email manually. The email confirming cancelation went out, on January 16 at 2:22pm. Between the initial call when the account was canceled and the cancellation email being sent, Mr. ***** called two more times. As for the ability to cancel via chat online. This is an available method to cancel. Records indicate Mr. ***** did not use chat to cancel, instead he successfully canceled on this first toll free call to customer service. Based on these facts, we take exception to the erroneous and libelous statements in his complaint and asked this complaint be closed and removed from public view.

• Initial Complaint

  01/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I was charged 39.90 for an account that was canceled before the 7 day trial time was finished and I contacted the company and they were to refund my money and they still haven't refunded my money and it's been almost a week since I spoke to them and I want my **** money back already

  Business response

  01/22/2024

  Mr. ********* signed up for a 7-day trail of ****************** on December 18. Mr. *********** trial ended and he was billed the monthly fee on December 26. Mr. ********* didnt contact us to cancel until January 1, several days after he had already been billed.  An automated email confirming cancelation went out that day.  Mr. *********** account was cancelled when requested, and even though he was not eligible for a refund, a courtesy refund was issued. As Mr. *********** desired resolution has been provided we request his complaint be closed.

  Customer response

  01/23/2024

  
  Complaint: ********
  
  I am rejecting this response because:
  I had to fight and argue with them on multiple phone calls cause the call was either dropped by my phone company or there's not sure or they straight hung up on me so I would have to call back just to start the entire argument over again and they say I signed up for a 7 day trial and I didn't contact them til after the 7 day trial was over and I was charged then well thats ******** the same day that the trial service was signed up for I cancelled the service and they didn't cancel the 7day trial service they went ahead and charged me for the regular service auto billed me for the money and I don't care if the account is closed and they refunded my money or 
  Sincerely,
  
  ***** *********

• Initial Complaint

  01/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company was blocked by my financial institution because their web site makes it impossible to cancel the service. The issue is that they will try to charge you account 2-3 times for different amounts and under different name to try to get any money they can take from consumers. This is all besides the point that they are trying to charge people $40 a month for scores that ARE NOT FICO scores. I have won a dispute with my bank and they are still relentless and will not stop trying to take money. They honestly need to be investigated by a federal agency because it should not be a battle to cancel a membership. I am hoping to get a class action started against this company and anybody affiliated with it.

  Business response

  01/17/2024

  Ms. ******* makes several inflammatory claims in her complaint. The real issue is that Ms. ******* signed up for services and then didn't want to pay. If she wanted to cancel, we offer our customers multiple platforms in which to cancel their services which are provided at the time of signup and again detailed in the welcome email sent out at the time of sign up, and include calling or emailing customer service, and logging into their online account. Records do not show that she attempted any contact with customer service. Further the only fees we have billed Ms. ******* are the fees she agreed to upon sign up. After receiving this complaint, Ms. ******** account has been cancelled and she will see no further billing.

• Initial Complaint

  01/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I never signed up for this and they charged me 39.90 for no reason I need my money back asap and can’t get ahold of them

  Business response

  01/12/2024

  Records indicate Ms. ******* signed up for services on October 25, from an IP address in the same state in which she resides. During that online signup, she completed a 4-page process that required her date of birth, social security number, full credit card, and billing information, as well as completing a third-party identity verification with the credit bureau. As such, she did in fact sign up for services. Further, when Ms., ******* signed up she was sent a welcome email, which contains the methods in which we can be reached for assistance or cancellation. However, records do not show any attempts to contact us and furthermore, the receipt of this complaint is the first notice we have received requesting cancellation. A courtesy refund has been issued. As Ms. ******* did sign up, never contacted us directly to cancel and has been refunded we request this complaint be closed.

• Initial Complaint

  10/03/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  10/2/23 this company charged my bank account for $19.95 for a membership I never signed up for. I contacted customer support and was hung up on twice while trying to cancel the unauthorized membership. The membership has supposedly been cancelled and they say they are attempting a refund. They insisted that I had emails from them but I checked every single email address I have and there is nothing. I have also replaced my bank card since November so even if I had a membership my current card wouldn’t be on file with this company

  Business response

  10/16/2023

  Records indicate Ms. ****** signed up for services from an IP address in Warren, OH, the same city and state in which she resides. During that online signup, she completed a 4-page process that required her date of birth, social security number, full credit card, and billing information, as well as completing a third-party identity verification with the credit bureau.  Ms. ****** contacted customer service on October 2 and requested cancellation as well as a refund. Ms. ******'s account was immediately canceled and even though she is not eligible for any refunds, a courtesy refund was issued. Email confirmations of the cancelation and refund were sent to the email address given at the time of signup.  Because of the fact Ms. ****** did signup and authorize the charges and a refund was issued prior to this complaint, we request this complaint be closed.

  Customer response

  10/18/2023

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

• Initial Complaint

  09/06/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  08/03/23-$39.90 I have reached out to this company a numerous amount of times requesting that my funds be returned to me. I wasn’t aware of this company until I seen the charge on my card statement when asked the company name I am told “Membership Services”. I have made the company aware that I am not interested in the service and would like my money back during the back and forth with the agents each one stating different information I had to make them aware that the email address that they had sent communication is not mine and invalid. I also was unaware if the company had taken more money from me before I just caught this charge. I received an email stating that my refund was unsuccessful and to call to verify mailing address during the call I was told that the refund is for the $1.99 “free” trail and the $39.90 has been denied for it being a valid charge. I have NEVER used the service and the original email address on file was invalid so I had No way of knowing about this issue or I could have had it resolved by canceling the membership if I was made aware of the services being charged. I am unsure as to why if the services were never used and the emails were never received how is this company able to keep my $39.90 stating it is a valid charge but willing to refund the $1.99 for the “free” trail and can see that I have NEVER used the service and did not receive any of the communication emails due to the email address being invalid. I also would like to add my first initial phone call to the company on 08/24/23 I was told that I would be receiving an email to my updated email address confirming the membership cancellation and refund information within 24-48hrs. I had to callback on 08/25/23 and was told at that time the same information and if I wouldn’t have called in another charge of $39.90 would be taken out around 08/29/23. I did receive the cancellation email within the hr. of the phone call with the 2nd agent but no refund for $39.90.

  Business response

  09/14/2023

  Records indicate that Ms. ****** signed up for services on May 11, from an IP address located in the same area in which she resides. During that online sign up, she completed a 4-page process that required her date of birth, social security number, full credit card, and billing information, as well as completing a third party identity verification with the credit bureau. Further records indicate that Ms. ****** received and opened multiple emails sent to the same address listed in her complaint. As such, Ms. ****** signed up and authorized the charges and knew of the account. Ms. ****** contacted customer service on August 25 and requested cancellation as well as requesting a refund, at which time her account was immediately cancelled and even though she is not eligible for any refunds, a courtesy refund was issued. Ms. ****** financial institution rejected her refunds so therefore they have been mailed to her in the form of a check. As Ms. ****** did sign up and was refunded, we request this complaint be closed.

• Initial Complaint

  08/01/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  7 30 23 $39.95. Charged to my government benefits debit card without my authorization. I want my money put back on my card

  Business response

  08/09/2023

  Records indicate Ms. ******** signed up for services on June 18 from an IP address in the same area that she is resides. During that online sign up, she completed a 4-page process that required her date of birth, social security number, full credit card, and billing information, as well as completing a third party identity verification with the credit bureau. She was also sent an email confirming her account sign up to the same email she provided in her complaint. As such, Ms. ******** signed up and authorized the charges. Additionally, Ms. ******** logged into her account and accessed her credit report and score. She could have contacted us at any time to cancel, however, the first notice we have ever received that she wished to discontinue services was the receipt of this complaint. Upon receiving said complaint Ms. ********'s account was immediately cancelled and even though she is not eligible for any refunds, a courtesy refund was issued. Because of the fact Ms. ******** did signup and authorize the charges and a refund was issued we request this complaint be closed.

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