Charged by ClickFreeScore and have no idea why? You're not the only one. Their Better Business Bureau (BBB) page is a nightmare, earning them an 'F' rating with over 600 complaints closed in the last year alone, a huge number of them screaming about billing issues and unauthorized charges. It's infuriating. One user on Trustpilot, where they have a dismal 1.7-star rating, said, 'They took money from my account without my permission.' This isn't just bad service; it's about getting your money back from a company that seems to make it incredibly difficult. Many people report being charged after a trial they never knowingly signed up for. This guide is about fighting back and claiming the compensation you're owed for these frustrating, and often unauthorized, debits from your account.
Best Ways to Get Compensation from ClickFreeScore
| Contact Method | Details & Availability | Expected Response Time | Best For | Chances of Being Compensated |
|---|---|---|---|---|
| Phone | 1-800-391-9369 (Mon-Sun, 24/7) | 30 mins - 2 hours | Urgent billing disputes, immediate cancellation requests | Medium |
| support@clickfreescore.com | 24-72 hours | Documenting your complaint in writing, creating a paper trail | Medium | |
| Contact Form | Available on their website | 48-72 hours | Formal inquiries when you don't need an immediate response | Low to Medium |
| BBB Complaint | File via the Better Business Bureau website | Varies (days to weeks) | When direct contact fails and you need a third-party mediator | Medium |
Before You Start Your Compensation Claim What You Need
Getting your ducks in a row before you contact them is critical. Don't give them any excuse to dismiss your claim.
- Gather Your Details: Find your member ID (if you have one), the email address you used, and the full name on the account.
- Document Everything: Get a screenshot of the charge from your bank statement. Note the exact date and amount. If you have any emails from them (even a welcome email you ignored), save them as PDFs.
- Write Down Your Story: Before you call or email, write a clear, short timeline of what happened. For example: 'On May 15th, a charge for $29.95 appeared. I did not authorize this. I have never used this service.' Sticking to the facts prevents you from getting flustered.
- Know Your Goal: Decide what you want. A full refund? Confirmation of cancellation? Both? State it clearly. Don't just complain; make a specific request.
What are my Rights? Am I eligible for a Compensation from ClickFreeScore
Yes, you have rights, especially when it comes to unauthorized billing. This is a US-focused overview.
ClickFreeScore operates in the financial services space, which is regulated. Your primary weapon is the Fair Credit Billing Act (FCBA). This federal law gives you the right to dispute 'billing errors,' which includes charges for services you didn't accept or that weren't delivered as agreed. Unauthorized charges fall squarely into this category.
Am I eligible? If you see a charge from ClickFreeScore that you did not authorize, you are eligible to dispute it and seek a full refund. This also applies if you tried to cancel a trial but were still charged.
Who regulates this?
- Consumer Financial Protection Bureau (CFPB): This is a key agency. You can file a complaint against ClickFreeScore directly on the CFPB website if the company refuses to resolve the issue.
- Federal Trade Commission (FTC): The FTC tackles deceptive business practices. Reporting them helps build a case against the company's patterns of behavior.
Compensation is almost always a full refund of the disputed charge. Don't expect extra for your trouble, but you should absolutely fight for your own money back.
Draft email to ClickFreeScore for compensation
Subject: Urgent - Unauthorized Charge and Formal Refund Request - [Your Full Name]
Dear ClickFreeScore Support Team,
I am writing to report an unauthorized charge of $[Amount] on my [Credit/Debit Card] ending in [Last 4 Digits of Card]. The charge was posted on [Date of Charge].
My details are as follows:
- Full Name: [Your Full Name]
- Email Address Associated with Account: [Your Email Address]
- Transaction Date: [Date of Charge]
- Amount: $[Amount]
I did not authorize this transaction, nor did I knowingly sign up for a paid subscription. This charge constitutes a billing error under the Fair Credit Billing Act.
I have already contacted my bank regarding this unauthorized debit. I expect a full and immediate refund of the $[Amount] to my account.
Please also confirm in writing that any account or subscription associated with my name and email address has been permanently canceled and that no further charges will be made.
I expect a response and confirmation of my refund within 48 hours. If this matter is not resolved promptly, I will be escalating my complaint to the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau.
Sincerely,
[Your Full Name]
How to Escalate if Your Compensation from ClickFreeScore is Denied
If ClickFreeScore pushes back or ignores you, don't give up. It's time to escalate. Honestly, a lot of people have to take these next steps.
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Initiate a Bank Chargeback: This is your strongest move. Contact your credit card company or bank immediately. Tell them you have an unauthorized charge and want to file a dispute. Use the term 'chargeback.' Mention that the charge is a billing error under the FCBA. You have a limited time to do this (usually 60 days from the statement date), so act fast.
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File a Complaint with the CFPB: The Consumer Financial Protection Bureau is the federal watchdog for this stuff. Filing a complaint on their website is free and effective. The CFPB will formally forward your complaint to ClickFreeScore and require them to respond.
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Report to the FTC and State Attorney General: The Federal Trade Commission doesn't handle individual complaints, but reporting the company helps them build cases against businesses with a pattern of deceptive practices. Also, file a complaint with your state's Attorney General, who handles local consumer protection.
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Make Noise on Social Media: Sometimes, public pressure works. Post about your experience on Twitter (X) or Facebook. Be factual and concise. It's a long shot, but it can sometimes get a company's attention when nothing else does.
