16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00600

Submission Number:
545091-00600
Commenter:
MR. Kurt Boesch
Organization:
N/A
State:
WA
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

To whom it my concern. 11-3-09 This is a copy of the email sent to 'Support@FreeCreditReport.com' on 8-17-09. To whom it may concern, It was my understanding that one look at my credit score was free but I noticed you have taken from my checking account $14.95. I would never authorize this. All I wanted was my free report. Please stop the withdrawals from my checking account and return my $14.95. Sincerely Kurt Boesch They deducted money from my checking account without my permission. I had to contact the Better Business Bureau who informed me they (Free Credit Report)was in good standing but have over 6,000 similar complaints. They contacted "Free Credit Report" and I received an email saying I did not read the "fine print" that it clearly stated if you sign up for the monthly service you would receive one free credit report. I went back into their web site and indeed it did say that but by the placement of the fine print you are drawn away and it was not easy to see with all the "free credit report" all around it. (Misleading advertising at best) After going back and forth with them saying I would not get my money back on 8-24-09 I received a credit to my checking account of $14.95. I wrote the Better Business Bureau letting them know this had been resolved. My problem to all this is how were they able to remove and than replace funds in my checking account without my permission and how many others out there don't even know this is happening to them? I was proactive on this how many others are not?