200ok@lemmy.world 2 days ago
TransUnion asks for your credit card info as part of the “identity verification process” and then charges you $25 for the credit report “subscription” that at no point can you opt out of.
You have to call and talk to a human to get it refunded. During the call they will have “technical problems” and drop the line.
I hate TransUnion.
spankinspinach@sh.itjust.works 2 days ago
I find myself wondering if you can stop payment on your credit card? You’ve attempted to work with the company, so I assume that meets the cc provider requirement of attempting to resolve. Not sure, but worth a shot
plz1@lemmy.world 2 days ago
Yes, you can. It’s called a chargeback. Companies hate it, because it’s a refund plus a fee/fine they have to pay for being awful. You just call your credit card company and ask them to initiate a chargeback. They’ll ask some questions about if/how you attempted to go through the right channels, how much time you allowed them, etc.
spankinspinach@sh.itjust.works 2 days ago
I knew there was a mechanism but not the name for it! Thank you!
s38b35M5@lemmy.world 1 day ago
Charge backs aren’t just granted arbitrarily though. I spent almost $1k on getting my wheels refurbished. When I got them back, they had done more damage rather than repair them, and now the wheels cause major vibration.
Visa denied the charge back because a “service was provided.” Despite the owner telling me on a recorded call that he’d never refund me or make it right, and sending over forty pictures of before and after. I’m out the money and Visa couldn’t care less.
plz1@lemmy.world 10 hours ago
Yeah, they are not wrong, as crappy as that is. I hope you looked at small claims court though.