Consumer complaint received 2019-03-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX, I originally filed another CFPB complaint against Equifax, for providing a fraudulent Equifax TM Family Plan Advertisement/service, which did not allow me to look ANY OF MY REPORTS, the system blocks it after a consumer makes a payment of {$19.00}. After only 30 minutes of membership, I called immediately and canceled the Product due to Scam in Advertisement for selling an Equifax online membership product, which did not work. I was promised to HAVE A FULL REFUND 3-5 business days, and I was in my right for up to 24 hours to cancel the service, if I am unhappy with the Equifax Product. 
Up to XX/XX/XXXX, EQUIFAX DID NOT ISSUE ANY REFUND. Today from XXXX XXXX to almost XXXX XXXX, I called ( XXXX ) XXXX [ Equifax Customer Service ] and complaint to Ms. XXXX, and her supervisor XXXX, at Customer Service Representative. THEY TOLD ME THAT THERE IS A PROCEDURE IN RECEIVING A REFUND, AND I MUST TALK WITH THE BILLING DEPARTMENT. XXXX stated he will transfer me to the Billing Department. I spoke with XXXX, which I assumed is a Billing Specialist at Equifax. XXXX asked me all verification questions, and after that she told me SHE NEEDS TO FIND THE Billing department number ; I asked her how could she does not know it, and XXXX transferred me to her Supervisor, instead. I spoke with XXXX 's Supervisor - XXXX, once more, XXXX asked me for my identifying information. Then, THE EQUIFAX SUPRVISOR XXXX STATED THERE IS A PROCEDURE IN ISSUING A REFUND ; XXXX stated THERE IS NO BILLING DEPARTMENT AT EQUIFAX, and I MUST CONTACT MY BANK IN ORDER TO HAVE THE EQUIFAX CHARGE FOR MEMBERSHIP REFUNDED. Finally, XXXX, the Supervisor, told me that he will be cancelling my Equifax Family Plan as OF TODAY, ( XX/XX/XXXX ), or 10 DAYS AFTER I ALREDY REQUESTED MY MEMBERSHIP TO BE CANCELED, AND WAS PROMISSED A REFUND by Equifax Customer Representative on XX/XX/XXXX. IN OTHER WORDS, EQUIFAX REFUSED TO REFUND MY MONEY PERSONALLY PER MY RIGHT DURING THE 24 HOURS PERIOD, BECOUSE EQUIFAX WANTED TO HOLD MY MONEY as longer as possible, and would MESS MY BANK ACCOUNT UP IF I did not know the cancelation was not current, but rather would continue after XXXX of XXXX ; Equifax deceived me regarding CANCELING MY MEMBERSHIP. Equifax is involved in unlawful, fraudulent and scamming practices, refusing to refund membership fees to consumers. I BELIEVE they did not refund my money, because I filed a CFPB complaint on XX/XX/XXXX or the same day I canceled my membership with Equifax. I BELIEVE THIS IS A RETALIATION ; THERE ARE 240 LAW SUITS AGAINST EQUIFAX NOW TO BE COMBAINED IN AN ACTION LAW SUIT. I ' D PARTICIPATE in any SINCE EQUIFAX IS INVOLVED IN DECEIVING PRACTICES AND HARDLY ISSUES REFUNDS, WHILE THEY DO NOT PROVIDE THE CREDIT REPORTS AS AN ONLINE WORKING PRODUCT ( s ). I believe Equifax retaliates against consumers who dismantle their fraudulent practices, in this case - myself. I contacted my Bank and disputed all EQUIFAX FRADULENT PRACTICES against no refunds, all per the above information. Thus why my Bank should be involved, as, per my right, I canceled my service less than 24 hours after sigh in? _____________________________________________________________________ 1 ) Order Confirmation Print PagePrint Page Product Status Price Equifax Complete Family Plan View My Product Complete {$19.00} per month Thank you for your order. Your transaction code is XXXX. Please make a note of this number or print this page. The transaction code will serve as a receipt and as your account reference number. You may cancel at any time by calling XXXX, XXXX - XXXX EST. Total Cost : {$19.00} XXXX 2 ) Your Equifax Complete Family Plan is scheduled to cancel on XX/XX/XXXX. This e-mail confirms your request to cancel your subscription to Equifax Complete Family Plan and we will no longer bill you. You will no longer have access to Equifax Complete Family Plan after XX/XX/XXXX. You will receive a confirmation email of your cancellation on XX/XX/XXXX. Refunds will not be issued for monthly subscriptions. If this is an annual subscription, you will receive a refund based on the original purchase price and the number of unused months still available for your product. There are no partial month refunds. If you did not request this cancellation or feel this is in error, please contact us immediately at XXXX XXXX XXXX XXXX, XXXX am - XXXX pm XXXX, Monday - Saturday only. Your Equifax Customer Care Team Note : We kindly ask that you DO NOT REPLY to this e-mail. If you need assistance on this or any other Equifax products, email us at XXXX or call us at XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation