I have used www.truecredit.com for a long time. I called to cancel my account as did my husband and my daughter. Everything was fine and under the "assumption" that it was canceled. However, they did not charge me for one month and then began billing again.
I was very firm in that I needed to cancel my account. I was given the information about how keeping the account could "better my future" and how not having it "could affect employment or living situations." I told them to cancel. Upon telling me it was canceled, the guy told me that "AS A CURTOSY I WOULD BE GIVEN ONE MONTH WITHOUT CHARGE. This is where the scam starts. At this point they lied! I was never told that I will be given one month free and then they will bill again. Not one time did they tell me that they would do this! In fact, I was told the opposite! I was told there would be no more billings.
The second part is the way they bill. You cannot do a stop payment if you use your debit card to pay your monthly charge because they run the transaction as "POS, " (Point of Sale) the same as if you went to Wal Mart and used your card. I have no doubt they do this with your credit card also. This, to me, sounds as if they have been through this before so they don't run it through as normal companies do when you have a recurring charge. Think about it, for every 10 people this is another $150.00, now multiply that by a100 and then 1000. It adds up as one more months charge for every person who is trying to save money.
Now, I realize that this one little letter will not do very much good. My warning is to MAKE SURE YOU KEEP YOUR CANCELATION NUMBER, MAKE SURE YOU DO NOT ACCEPT ONE MONTH FREE, MAKE SURE YOU SAY "I ONLY WANT TO CANCEL!" They did cancel my husband's account completely, but not my daughter's or mine. He ended up yelling at the little guy he spoke with, we did not. Maybe that has something to do with it.
Simply put, this is a scam! I would love to find enough people this has happened to and be able to compile a list with the Attorney General from each state so that he can stop this practice. People are having a hard enough time in this economy without having their money stolen. I know I’m not the only one. When they withhold the information that you will be billed after the free month, this becomes a scam. They got my $14.95; do not let anyone have yours.
You can contact me at
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