16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00530

Submission Number:
545091-00530
Commenter:
Debra Maxfield
State:
CO
Initiative Name:
16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures

Comments reported by Debra Maxfield on FTC.com freecreditreport.com needs to be looked into for their illegitimate practices on consumers for requesting and receiving credit reports that are NOT free. Granted we all should be reading the "fine" print as they call it, however, when something is advertised as free one assumes it IS in fact free and yet on their website in order to receive your "free" credit report you have to sign up for yet another service which is NOT free. As you can see, the credit report you had originally requested which you THOUGHT was free ends up costing you $14.95 a month until you catch it and realize it is something you never wanted in the first place and attempt to cancel the service. In contacting the company they will tell you they refuse to refund any portion of your monthly fee because you should have read the 'fine' print! My bank, Chevy Chase, subsequently charged me two overdraft fees and closed my account because of this nightmare. I am not alone and am begging the FTC to please do something to stop this company in our nation from taking US citizens money!!