Apple and Experian Credit Report Services

Question

Level 1

9 points

Apple and Experian Credit Report Services

I either never or don't remember giving Experian permission to try and debit my virtual Apple card (Wallet). I had Experian in reference to a data breach as a free service for a year. Suddenly, after a year, Experian tries to debit my Apple account for $25 bucks! I went to the Experian site and there was NO WAY to opt out! I then tried to call and hung up after holding for 25 minutes! I then obtained Experian's customer service e-mail address online and sent them a note telling them to stop trying to debit my card and let me opt out! That was 2 days ago and no reply, NO NOTHING! How is this possible and how do I get them to stop? Is this even legal?

Posted on Apr 12, 2024 08:17 AM

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Answer 1

Apr 13, 2024 04:08 AM in response to D_tisdal

You got it free for 1 year like many of us did and you did not cancel or downgrade the service when reminded. They send plenty of emails letting you know what is going on as I have it, you get txt on your phone, messages in the Experian app. Not sure how you missed it, I must have received close to 10 emails and notifications the free period was ending.

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Answer 2

Jeff Donald

Level 8

41,406 points

Apr 12, 2024 08:42 AM in response to D_tisdal

Is it possible that your free subscription automatically converted to their Premium reporting service, which coincidently is $25 a month? A subscription is a legal contract and going to the credit card company and changing the number won’t cancel the service. You’ll need to contact Experian to cancel the subscription.

Here’s their contact information,

experian.com

Attn. Customer Care

PO Box 2390

Allen, TX 75013

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Answer 3

D_tisdal Author

Level 1

9 points

Apr 12, 2024 10:13 AM in response to Jeff Donald

Apple doesn't even offer a subscription for Experian services that I know of. It was a free subscription that was totally separate from any Apple service whatsoever. Their services were offered because I was the victim of one of the numerous data breaches that have occurred lately. That's why I was so surprised that Experian was billing my Apple Wallet. I already have all the info you provided since it's the same info I was provided online. I guess I'm going to bear holding on for 30 minutes or longer. Usually, that ends up in a disconnection. Then you reach someone you can barely understand and end up hanging up anyway. It's a frustrating thing and I really believe that companies like this illegally take advantage of people who were the victims of a data breach.

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Answer 4

Apr 13, 2024 07:51 AM in response to D_tisdal

OK. I would bet 1000% they can just pull out a paper, email or something saying billing starts after 1 year. I have 0 doubts, as this is normal common practice across the board with every free trial. Good luck and just make sure its cancelled and move on if you ask me.

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Answer 5

Seewead

Level 1

8 points

Jul 18, 2024 07:06 PM in response to D_tisdal

So this happened to me - and I called Apple. I told them I got hacked. They gave me the Experian Merchant number and told me to call Experian. The merchant number is a fake phone number 4**-**3-****. I did not call it. I looked it up online and it is a scam phone number. Apparenlty if you call that number - they will ask you for personal information to hack you even more.

So to resove the issue. Call Apple tell them you were hacked and need your Apple Cash Card closed out so you can get a new card. After you get a new card - Apple suggested using virtual card numbers and to change passwards and all that good stuff.

The issue is resolved for me other than not sure how it got hacked in the first place.

[Edited by Moderator]

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Answer 6

Jeff Donald

Level 8

41,406 points

Apr 12, 2024 10:32 AM in response to D_tisdal

I understand your feelings and been through it myself. You are also welcome to contact the payment method used. If Apple Card MasterCard was the payment method, please use the contact information below to discuss with matter with an Apple Card Specialist.

CONTACTING — Goldman Sachs Bank

Using Messages; chat with an Apple Card specialist

Call toll-free at 877-255-5923

Write to: Goldman Sachs Bank, Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112.

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Answer 7

D_tisdal Author

Level 1

9 points

Apr 13, 2024 05:54 AM in response to Rkkeller8

Let me repeat! I have never participated in a "free for 1 year" subscription with Experian. I'm not sure if everyone is reading what I'm saying. I was provided Experian services for free because of a data breach of a site where my information was leaked onto the dark web. That company offered free credit monitoring services for ONE YEAR! Experian would try to sell their services on a landing page and the person could opt out and proceed to the free subscription. Experian never sent any text messages, e-mails, or any communication about an expiring subscription, free or paid, at ANY time. I simply noticed one day that they tried to bill my Apple card. Why, I have no idea. The Apple App Store has never offered any Experian services. If you received close to 10 e-mails from Experian then your case is different than my situation. I would not need Experian services since I can still check my credit for free. I will repeat, the only reason I used Experian is because it was offered FREE for me to use for one year to monitor my credit file on behalf of another company because of their data breach! Whew! Any questions about that? Now, if someone knows the answer I would appreciate the input. If you don't, please read what I have said carefully and not offer simple responses that do not apply to my situation. Again, is it illegal for Experian to bill someone without an option to opt-out?

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Apple and Experian Credit Report Services

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