I went online for what I thought was a simple Free Credit Report for $1 and I have almost $100 charged to my bank statement, of which CIC charged me for signing up. I called them and they refuse to offer any refunds as they say I agreed to the charges. DON'T USE THEM!

My charge card has shown A charge for an unauthorized service. This is fraud! Beware!

Like many others on this site, I once went to freecreditreport.com to get what the TV commercial advertises - a FREE credit report. I viewed my report and never thought about it again. This was about a year and a half ago.

When $12.95 a month started coming out of my checking account under the name CIC Triple Advantage, I had NO clue what it was, and the bank wasn't able or willing to provide any further information. I could not even figure it out by typing it in online.

Finally, about five months ago, my bank statements started showing what looked like a phone number next to the company's name. So I called the number.

I won't even bother telling you what this call involved because you would not want to read all of it. The important thing is that I told them that I wanted to cancel this service I never requested. A year ago, on the website, it did not state clearly (like it does now) that you'll be charged every month after your free first month. Instead, it was likely only in the User Agreement that was 6-point font and 83 million pages long that NO ONE reads.

It did ask for my credit card number, however, it stated that it was ONLY for verification of identity. In hindsight, I suppose this was stupid on my part, since they shouldn't need something like that for identity verification when they are going to get my social security number. But I thought it was legitimate at the time.

Anyway, the lady said I'd get a confirmation e-mail within 2 days. I never received it.

I have since been charged every month and have thus called every month. Every time I get the same story. So I called today and the rep said there was NO RECORD of ANY of my calls. Plus, he said that I have accessed my report several times since I signed up. I very politely told him that their records were not matching up with my recollection of how this has gone. I asked for a refund, and he said that all charges were non-refundable.

I then asked to speak to a supervisor. He said I'd have to write a letter to request a refund. I told him that I didn't think that was a fair option because I was sure all I would receive was a generic form letter telling me that they would not issue me a refund. So he put me on hold for ten minutes. When he came back he told me that his supervisor had authorized him to refund one month's worth of charges.

I said, "First, I asked for a complete refund, not just one month. Second, I asked to speak to a supervisor. I would like to talk to him myself."

He said that the supervisor was on another call. He asked me for my phone number and said the supervisor would call me back. I said, "No thank you. I would prefer to wait for him on hold." The rep told me he could not do that! I said, "So, you had me on hold for ten minutes while you talked to him, yet now you cannot put me back on hold so I can speak to him myself??" He said, "Well, we just don't do it that way here." So I gave him my phone number.

Then he asked me if there was anything else he could help me with today. I actually laughed out loud. That statement implies that he helped me AT ALL to begin with.

For everyone's general knowledge:

1. DO NOT go to freecreditreport.com and sign up for ANYTHING.
2. If you already have fallen for this scam, call 1-877-481-6825 and hope for the best.
3. If you want the free credit report that you are entitled to once per year, go to annualcreditreport.com.

Good luck everyone!

This company took $25.90 off of my debit card, without my approval. I did not know anything about this company and I am having a hard time trying to talk with a human to get this taken care of. This is a scam. So be careful...

I received a 12.95 charge on my checking account from CIC Triple Advantage. I had never heard of the company and knew I had not made the charge. I went online and found out that this is a credit "protection" plan and it was automatically deducted from my account after visiting "freecreditreport.com" I called the company at 1-800-388-8725 and in four minutes had my account canceled. The representative tried to say it was in my wife's name but after I "insisted" he cancel he did.