ID Theft Protection ratings, reviews and complaints - Payday Loans

Complaints and Resolutions

Complaint Experience

N/A

Complaint Resolution Index (CRI)

Complaint Resolution Index (CRI) Explained The Complaint Resolution Index (CRI) is an indicator on how responsive a company is in addressing and resolving customer complaints brought to their attention by BCA. If they are considering doing business with the company, consumers can use this indicator to forecast the likelihood of having their issues addressed if a problem arises. CRI measures the company's customer satisfaction abilities through BCA’s complaint mediation process.

A variety of factors are considered when calculating CRI. This includes how quickly a company responds to complaints, the number of complaints against a company, whether the company addressed complaint allegations, and the outcome of the complaints. CRI is just a subset of the overall rating for the company. Consumers are encouraged to take into consideration the company's CRI, their overall BCA letter rating and other relevant information about the company so they can make a well-informed purchasing decision.

BCA's Summary and Analysis:

Complainants allege misleading selling practices, and unauthorized debits from accounts. Customers complain they applied for a pay-day loan on the internet, and as a result, were automatically enrolled in an ID theft protection plan without their authorization. Applicants complain the company deducts $31.98 from their checking accounts monthly for the service. According to complainants, the company refuses to issue refunds, and advises them if they had read the terms and conditions of the payday loan agreement they would have been aware of the monthly charges. In other cases, customers complain they merely clicked on the website, and clicked out, but the company still deducted the monthly charge from their account.

The company responds to some complaints by agreeing to cancel services, and issue refunds or credits to accounts. In other cases, the company offers apologies, and states they have insufficient information to research the complaint, and request that customers provide additional information such as bank account numbers to facilitate a resolution. Some complainants dispute that they actually have received promised refunds or credits. Some complaint responses did not address the complainants allegations, and were returned to the company for reconsideration.

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Complaint Closing Statistics

0 complaints against ID Theft Protection closed in last 3 years.

Complaints	Type of response
0	Making a full refund, as the consumer requested
0	Making a partial refund
0	Agreed to make an adjustment
0	Refusing to make an adjustment
0	Refuse to adjust, relying on terms of agreement
0	Unanswered

Other Information

Company Info

This company's business is soliciting identity theft protection services to pay-day loan applicants via the internet.

Primary Contact:	Gary L. Crandell (General Counsel)
Business Started:	N/A
Social:

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Licensing

We know of no licensing or registration requirement for companies engaged in this company's stated type of business.

Government Actions

BCA has no information regarding government actions at this time.

Comments and Analysis

This company deducts a monthly fee of $31.98 from customers’ bank accounts for an identity theft protection service. Customers are automatically enrolled in the ID Theft Protection Plan when they apply for Payday Loan Advances through Last Chance Cash Advance/Amnesty Financial and TrifectaCard. Both TrifectaCard and Last Chance Cash Advance/Amnesty Financial are divisions of Impulse Marketing Group, LLC located in Atlanta, GA. Separate reports can be obtained on these companies at www.atlanta.bbb.org.

This company also has a location in Phoenix, AZ. To view the report the BBB of Greater Arizona maintains on this company you may visit www.arizonabbb.org.

Often, you can unknowingly join a plan simply by accepting an introductory offer of merchandise or services. Continuity plans may offer an introductory "free trial period" to let you check out the service and decide whether to join the plan. If you fail to cancel the service within the free trial period, not only must you pay, you automatically become a plan member. Joining a continuity plan means you agree to the plan's sales method as long as you're a member. You'll automatically receive services without any announcements or rejection forms before each service period. The services continue until you cancel your membership.

Sellers must give you information about the plan's terms and conditions, clearly and conspicuously, in their promotional materials. These terms may include; that you become a member if you accept the introductory merchandise or initial round of services, unless you cancel; or that periodic delivery of merchandise or services will occur - with no further action on your part; and will continue until cancellation is received. It also must disclose a description of the merchandise or services you agree to buy, say whether there's a minimum purchase, and how often you'll receive the products or services. An explanation of the plan's billing procedure for each shipment or period of service must also be provided, as well as the terms of the plan's refund or return policy; how and when you can cancel your membership; and the price of the goods or services if you fail to cancel, including shipping and handling, if applicable.

Other Considerations

The BBB reminds consumers never to provide credit card numbers or other credit card account information, or provide any private financial or personal information (such as your checking account number or social security number) to anyone who contacts you by phone. Your credit card company or other financial institution will never ask you to provide your account number over the telephone if they are initiating a call to you regarding your account.

If the caller claims to be from your bank, credit card company, government agency or other organization, ask that they put their request in writing and send it to you. And, ask for a name, physical location and telephone number. Then call the BBB to report your experience.

If you have divulged personal financial information to unknown callers, contact your Credit Card Company or bank immediately. The Federal Trade Commission distributes helpful information on how to prevent identity theft. For tips and advice on protecting your personal financial information, visit the FTC web site at www.consumer.gov/idtheft/

Industry Resources

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Additional Info

DBAs:

Identity Theft Protection

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ID Theft Protection

Complaints and Resolutions

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