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Recent Complaints http://lifelockscam.com/recent-complaints/ http://lifelockscam.com/recent-complaints/#respond Sat, 17 Feb 2018 11:41:05 +0000 http://lifelockscam.com/?p=168 • Sepideh of Marina Del Rey, CA Verified Reviewer
Original review: Feb. 3, 2018
• I bought a membership and after two weeks, I still didn’t get a credit report. I called and asked why it’s taking too long and I was told that I should wait a couple of more days. It’s unacceptable. Terrible customer service.

• Sheri of Ham Lake, MN Verified Reviewer Original review: Feb. 2, 2018
• I received a text stating there was an attempt to open a new charge card in my name on February 1st. I responded it was not me who made that request. I expected a callback. 1 1/2 hours later I called LifeLock. The text told me to log in to LifeLock to review my next steps. I logged in and found nothing referring to this alert and no directions on what to do next. I questioned where the attempt was made. I was told it was attempted 6 days ago at Dick’s Sporting Goods. Six days ago!
• It took LifeLock 6 days to tell me an attempt was made to open an account in my name! I am paying $25 a month for my husband and myself! I was under the impression any attempt to open a new account was going to trigger an alert! I asked why it took a WEEK to send me an alert!? She could not answer that question. I wanted to speak to a manager. No one was available so I was told I would receive a call back within 24 to 48 hours! What a joke! Someone could have been using a card in my name for a week and I would have had no knowledge of it!
• By the way, the attempt to open an account was my attempt the week before. I had placed a credit freeze on my account- nothing to do with LifeLock. I assumed the request for the charge card did not go thru because of LifeLock. LifeLock wasn’t even monitoring my accounts!!! The application was rejected because I personally had placed a credit freeze for myself and my husband as suggested by my son who works for a bank. I am canceling LifeLock immediately. A bunch of empty promises on their website. You notice they really never tell you how they are going to protect you…

• John of Canfield, OH Verified Reviewer Original review: Feb. 1, 2018
• Got LifeLock through employees benefits. I am paying monthly Sign up for myself & 2 children. Got email asking for info about my dependents. Your website wouldn’t allow me to enter info get a subsequent email canceling dependent ’cause I didn’t get info for you. Then you tell me it’s up to me to straighten it all out! Horrible customer service. You owe me a month’s service for my kids.

• John of Williamston, MI Verified Reviewer Original review: Jan. 31, 2018
• Attempted to reduce the level of my LifeLock coverage. Got charged for the expensive plan that I canceled! Agent demanded my CC # and promptly billed me for the hi-price spread that I didn’t want! No refund on site. Was kindly informed that my wife and I now had the “basic” coverage.

• Clyde of Edenton, NC Verified Reviewer
• Original review: Jan. 27, 2018
• Not sure exactly how long I have had LifeLock, and I encouraged my daughter to also join Lifelock. However LifeLock, in my opinion, does a very poor job of staying in touch with their clients. The only time I hear from LifeLock is when they are getting ready to draft from my account their yearly fee. That my friend is very poor business ethics.

• Terry of Houston, TX Verified Reviewer
• Original review: Jan. 25, 2018
• I received an email to update my billing credit card. It referred me to the member portal (did not work), the app (did not work), phone LIFELOCK (AI did not work after I gave all of my information), transferred me to customer care agent who did not have the information I gave the AI. The agent told me she could not help me because they were going through maintenance. How was I supposed to know? She told me to call back in an hour or so. I asked how was I to be sure I would not get in the same boat. She told me to call back.

• Rick of Safety Harbor, FL Verified Reviewer
• Original review: Jan. 26, 2018
• When my underage daughter opens two credit card accounts, I am not notified. When I call the excuse I’m given is that I approved a credit card for her recently, so that is the reason I wasn’t notified. So I am to understand because I approved once it is good forever and no matter how many accounts she opens. That is one of the lamest excuses I ever have heard.

B. of Tx, TX Verified Reviewer Verified Buyer
• Original review: Jan. 20, 2018
• I heard about LifeLock from a friend. I trusted this friend at the time so I thought it was the best deal but I’m not too sure now. I got it for basic protection but it has helped me minimally. They just do basic coverage and I don’t think it’s the best, but it’s what I have now. I did have a credit card number that was taken and used and LifeLock didn’t figure that out and I was concerned about that and there were four charges put on my credit card and I ended up dealing directly with the credit card company and a couple of the retailers where the credit card was used to try to get information about who used it, if they had videos, etc.

• Jason of New York, NY Verified Reviewer Verified Buyer
• Original review: Jan. 15, 2018
• After a lengthy signup process, I was promised to be upgraded from the Basic to Standard plan. After multiple phone calls, this did not happen. Regardless, what really frustrates me is that when I try to use the privacy monitoring tool, I am shown a** prompt: “LifeLock is undergoing scheduled maintenance to improve your experience. Please try again or call 1-800-LifeLock (1-800-543-3562) if you need additional support Our representatives will not be able to make changes or updates to your account at this time but are available for general questions

• Eugene of Fort Myers, FL Verified Reviewer
• Original review: Jan. 14, 2018
• I have made 14 calls to correct my e-mail alert. I am still receiving them on my g-mail address. Your customer service people try but they don’t listen. I get, “I can’t fix the problem. I will need to have someone call you back.” I have never received a callback.

• Gabriel of Bemidji, MN Verified Reviewer
• Original review: Jan. 14, 2018
• I have had LifeLock services for quite a few years. In that time I have opened a couple of credit cards and taken out several loans for vehicles and at least one mortgage, but I have never received any alerts from them asking if it was me that is doing it. In the interest of being fair, I will say that I got my wife to sign up a few years ago as well and in that time she has received one alert from them. It came shortly after opening a store-specific credit card, but she has opened several other accounts and she did not receive any notification.

• Andrew of Scottsdale, AZ Verified Reviewer
• Original review: Jan. 11, 2018
• Received an automated voice call this AM for an alert on my LifeLock account. Called back and gave the automated system my relevant info, and was routed to a call center. The call center had to be in India or similar based on the employee’s accent. She was extremely difficult to understand; these employees should have a MUCH better command of the English language for servicing customers in the US.

• Richard of Centreville, VA Verified Reviewer
• Original review: Jan. 9, 2018
• Have had LifeLock for years now and this past year has been nothing but frustrating. My accounts seem to get “disconnected” and every time I go through the steps indicated all I get are error codes. My daughter and I have called several times over the past week reporting the error codes, going onto my accounts listed and updating them as LifeLock directed us to do and still can not get my accounts reconnected!!! Not only that, when we went to try everything they told us to do AGAIN, now another account has been disconnected. WTH! This is such a ripoff, what am I paying for??? I think it’s time to look at switching companies. So disappointed. Giving 2 stars only because it used to be good. 🙁

• Randolph of Towson, MD Verified Reviewer Verified Buyer
• Original review: Jan. 7, 2018
• Is credit bureau fraud alert required if you have LifeLock? I was one of the 143 million Americans affected by the Equifax breach, and have been a Lifelock Ultimate customer since 2010 or so. I asked the question above to Lifelock by email and over the phone, multiple times, and can never get a straight answer. Answers are full of legal gobbledygook, should be a simple yes or no question. It is a pain to file a credit bureau fraud alert and must be repeated every 90 days. I just wish I could get a simple yes/no answer or a statement of what each service (fraud alert vs Lifelock) does and doesn’t do in protecting my identity. Disappointed.

• J H of Houston, TX Verified Reviewer
• Original review: Jan. 6, 2018
• From the moment we tried to set up two accounts, the process was extremely confusing, time-consuming, frustrating, and disappointing considering their advertising. They never could get the mailing address vs. physical address correct which resulted in their mail going to wrong places! We really expected this to be basics and not an issue to have caused so many problems.

• Michael of Saint Augustine, FL Verified Reviewer Verified Buyer
• Original review: Jan. 4, 2018
• Recently somebody set up an account on LifeLock in my wife’s name using her SS# and other private information. We believe this was an attempt for us to add more information to the account they set up to phish for more specific credit card and banking info. We have called 5 times to speak to agents then to supervisors in an attempt to try to find out if this is a known problem and or for more info to make a police report. I couldn’t even get LifeLock to issue me a letter to give to the credit bureaus to get a 7-year fraud alert on my wife’s credit. There is not one person who really cared about our problem and would not even forward our complaint to a higher authority! When I asked to speak to the fraud department I was told that “we don’t have a fraud department”? I have read all these positive reports and wonder why I can’t get someone to help me?

• Sepideh of Marina Del Rey, CA Verified Reviewer
Original review: Feb. 3, 2018
• I bought a membership and after two weeks, I still didn’t get a credit report. I called and asked why it’s taking too long and I was told that I should wait a couple of more days. It’s unacceptable. Terrible customer service.

• Sheri of Ham Lake, MN Verified Reviewer Original review: Feb. 2, 2018
• I received a text stating there was an attempt to open a new charge card in my name on February 1st. I responded it was not me who made that request. I expected a callback. 1 1/2 hours later I called LifeLock. The text told me to log in to LifeLock to review my next steps. I logged in and found nothing referring to this alert and no directions on what to do next. I questioned where the attempt was made. I was told it was attempted 6 days ago at Dick’s Sporting Goods. Six days ago!
• It took LifeLock 6 days to tell me an attempt was made to open an account in my name! I am paying $25 a month for my husband and myself! I was under the impression any attempt to open a new account was going to trigger an alert! I asked why it took a WEEK to send me an alert!? She could not answer that question. I wanted to speak to a manager. No one was available so I was told I would receive a call back within 24 to 48 hours! What a joke! Someone could have been using a card in my name for a week and I would have had no knowledge of it!
• By the way, the attempt to open an account was my attempt the week before. I had placed a credit freeze on my account- nothing to do with LifeLock. I assumed the request for the charge card did not go thru because of LifeLock. LifeLock wasn’t even monitoring my accounts!!! The application was rejected because I personally had placed a credit freeze for myself and my husband as suggested by my son who works for a bank. I am canceling LifeLock immediately. A bunch of empty promises on their website. You notice they really never tell you how they are going to protect you…

• John of Canfield, OH Verified Reviewer Original review: Feb. 1, 2018
• Got LifeLock through employees benefits. I am paying monthly Sign up for myself & 2 children. Got email asking for info about my dependents. Your website wouldn’t allow me to enter info get the subsequent email canceling dependent ’cause I didn’t get info for you. Then you tell me it’s up to me to straighten it all out! Horrible customer service. You owe me a month’s service for my kids.

• John of Williamston, MI Verified Reviewer Original review: Jan. 31, 2018
• Attempted to reduce the level of my LifeLock coverage. Got charged for the expensive plan that I canceled! Agent demanded my CC # and promptly billed me for the hi-price spread that I didn’t want! No refund on site. Was kindly informed that my wife and I now had the “basic” coverage.

• Clyde of Edenton, NC Verified Reviewer Original review: Jan. 27, 2018
• Not sure exactly how long I have had LifeLock, and I encouraged my daughter to also join Lifelock. However, LifeLock, in my opinion, does a very poor job of staying in touch with their clients. The only time I hear from LifeLock is when they are getting ready to draft from my account their yearly fee. That my friend is very poor business ethics.

• Rick of Safety Harbor, FL Verified Reviewer Original review: Jan. 26, 2018
• When my underage daughter opens two credit card accounts, I am not notified. When I call the excuse I’m given is that I approved a credit card for her recently, so that is the reason I wasn’t notified. So I am to understand because I approved once it is good forever and no matter how many accounts she opens. That is one of the lamest excuses I ever have heard.

• Terry of Houston, TX Verified Reviewer Original review: Jan. 25, 2018
• I received an email to update my billing credit card. It referred me to the member portal (did not work), the app (did not work), phone LIFELOCK (AI did not work after I gave all of my information), transferred me to customer care agent who did not have the information I gave the AI. The agent told me she could not help me because they were going through maintenance. How was I supposed to know? She told me to call back in an hour or so. I asked how was I to be sure I would not get in the same boat. She told me to call back.
• I told her I found it hard to believe that no one could take my information. She said they could not. I asked why having LIFELOCK call me was not an option, she told me she would create a ticket. Then she told me she could not give me the ticket number. I created a ticket on the member portal, it could not give me a ticket number. This is the company I have been paying for years to constantly review and protect my data. Not a very comfortable position at this time.

• S of Lake Havasu City, AZ Verified Reviewer
Original review: Jan. 18, 2018
• After trying to sign up my wife and myself I kept getting an error message. Called the 800 number after several automated branches I was told it would be a 12-minute wait. After 15 minutes of terrible music, I gave up. Went back to the online site and went to the cancel membership page. Filled in I wanted to cancel, got an email that they would get back to me within one business day. Sent the same message on 1/15, 1/16, 1/18 and have had no response. They charged the credit card in milliseconds, but apparently trying to cancel is more of a job. Will cancel the card before I get charged again for this service.

• Jason of New York, NY Verified Reviewer & Buyer
Original review: Jan. 15, 2018
• After a lengthy sign-up process, I was promised to be upgraded from the Basic to Standard plan. After multiple phone calls, this did not happen. Regardless, what really frustrates me is that when I try to use the privacy monitoring tool, I am shown a prompt: “LifeLock is undergoing scheduled maintenance to improve your experience. Please try again or call 1-800-LifeLock (1-800-543-3562) if you need additional support Our representatives will not be able to make changes or updates to your account at this time but are available for general questions.”
• This is every single time. Complete garbage that Life Lock is undergoing scheduled maintenance every day at every hour. Really? How about being honest and saying “This is not working for you. We have no idea why.” After trying again as instructed, I emailed support. Support instructed me to call. So I call. They tell me, all I can do is submit an IT ticket. Just terrible. So much wasted time. I have not received an email back or even a confirmation that I’ve contacted Life Lock regarding this. Just a waste of money and my time.

• Eugene of Fort Myers, FL Verified Reviewer Original review: Jan. 14, 2018
• I have made 14 calls to correct my e-mail alert. I am still receiving them on my g-mail address. Your customer service people try but they don’t listen. I get, “I can’t fix the problem. I will need to have someone call you back.” I have never received a call back.

• Andrew of Scottsdale, AZ Verified Reviewer Original review: Jan. 11, 2018
• Received an automated voice call this AM for an alert on my LifeLock account. Called back and gave the automated system my relevant info, and was routed to a call center. The call center had to be in India or similar based on the employee’s accent. She was extremely difficult to understand; these employees should have a MUCH better command of the English language for servicing customers in the US.
• Had to call back on a landline later and had the same experience with a same or different employee. Extremely noisy in background and employee kept remarking that she was having a hard time hearing me(!). The employee couldn’t even adequately explain what the next steps were regarding the fraudulent opening of a credit account in my name. Overall customer service extremely poor. Can’t believe LifeLock outsources customer service to save labor costs… wonder if will still be profitable for this as they lose customers due to this issue. Not sure I will be renewing. Unreal.

• J H of Houston, TX Verified Reviewer Original review: Jan. 6, 2018
• From the moment we tried to set up two accounts, the process was extremely confusing, time-consuming, frustrating, and disappointing considering their advertising. They never could get the mailing address vs. physical address correct which resulted in their mail going to wrong places! We really expected this to be basics and not an issue to have caused so many problems.
• Our credit card companies identity security systems notified us when in seconds of credit bureau inquiries, with new accounts being set up and an auto purchase… yet NEVER heard a word from Lifelock. Finally, the process of canceling the accounts was equally frustrating. We first tried to cancel online. We then called but they kept forwarding us to different departments and putting us on hold resulting in much more frustration on our part. Their last representative becomes sarcastic and rude which I truly do not feel represented most of their reps but was not a good time for it to happen.
• Beware of LifeLock! Try security services that your credit card company might provide for free instead. The credit card companies actually watch multi-credit bureaus and LifeLock DOES NOT. They only watch Experian. Many credit card companies security services also watch the DarkWeb on your behalf. Lifelock was Very Disappointing! I hope they get their problems resolved.

• Michael of Saint Augustine, FL Verified Reviewer & Buyer
Original review: Jan. 4, 2018
• Recently somebody set up an account on LifeLock in my wife’s name using her SS# and other private information. We believe this was an attempt for us to add more information to the account they set up to phish for more specific credit card and banking info. We have called 5 times to speak to agents then to supervisors in an attempt to try to find out if this is a known problem and or for more info to make a police report. I couldn’t even get LifeLock to issue me a letter to give to the credit bureaus to get a 7-year fraud alert on my wife’s credit. There is not one person who really cared about our problem and would not even forward our complaint to a higher authority! When I asked to speak to the fraud department I was told that “we don’t have a fraud department”? I have read all these positive reports and wonder why I can’t get someone to help me?

• Thomas of Mount Shasta, CA Verified Reviewer
Original review: Jan. 3, 2018
• Called to talk to someone about my issue with a call to determine whether or not I was hacked. The person that answered was located in the PI. Are there numbers located in the states? I was disappointed that LifeLock was farming out their customer service. I would appreciate a phone call instead of an email.

• Frank of Walkersville, MD Verified Reviewer & Buyer
Original review: Dec. 29, 2017
• I called because it appears a new mortgage was taken out in my name. I have been a member several years and this is the first time I called with a concern, but they basically told me I needed to follow up with the bank on this. I don’t know how and I thought this was the service they would perform. Not sure what I am paying for… guess it is for the insurance when/if this really is fraudulent since they don’t seem to care to check if it is fraudulent.

• Christina of Blythe, CA Verified Reviewer Original review: Dec. 27, 2017
• Adding new adult members – I called LifeLock. Spoke with Montres. Claims no problem I can add them. Gave my oldest daughter’s name, DOB, SSN then he says no they don’t go by address but by e-mail so I need to call back. I spoke with Shikara, Vienna, Joseph who trans me to Ref, same. They need the info but now I have to go to customer service. All said I can do this, spoke with Brent **.NO! Said they are adult children. Need their permission. Now I need to give them gift cards 3 days before Christmas. We need to find someone better.

• D. of Md, MD Verified Reviewer & Buyer Original review: Dec. 15, 2017
• LifeLock’s customer service is horrendous. I had an identity theft issue and they didn’t do anything. They do a good job at catching these issues, but once they catch it, they put the ball in your court to do all the work. They sent me a large package to fill out and it was a disaster. They won’t even help you until you get it back to them. It took me three weeks and I had to call them every day. They don’t return phone calls and they don’t return to help. Once I got to the right person who was assigned to my account, it got better. But getting to that person was three weeks of painstaking holding, emailing and calling. Half the people were rude and the other half were unintelligent. They told me they wouldn’t help me unless they got a police report done. There’s no guidance. I contacted the creditor who had the account opened in my name and they helped me a lot faster than LifeLock did. I haven’t canceled LifeLock, but I will not recommend them.

• Jay of Woodland Hills, CA Verified Reviewer & Buyer
Original review: Dec. 1, 2017
• Some companies use “free” trial offers as a lure, but don’t make their cancellation policies obvious. LifeLock is such a company. They offer a 2-month money back trail but read the small print, unless you sign up and pay for an annual subscription (very small print) you will not get your refund. Based on my experience good luck getting your annual subscription refund if you choose to cancel.
• Remember these guys are owned by Equifax. Learn about credit freezes instead.

• Ellie of Mountlake Terrace, WA Verified Reviewer
Original review: Nov. 19, 2017
• Having a problem getting Lifelock connected with my bank, I’m not sure why and they’re not either. Will decide whether to stay. We have tried to discuss this problem and it’s very difficult to get them to understand. Have discussed with the bank and so far no resolution.

• William of Brooklyn, OH Verified Reviewer Original review: Nov. 6, 2017
• You will not let me cancel. I have informed fraud department at my bank, all future attempts to charge me will be reported as fraud. You claim it takes longer to respond yet your computer works fine for surveys. Horrible customer service.

• Sandi of Ocala, FL Verified Reviewer Verified Buyer
Original review: Nov. 4, 2017
• They start you free at top $1,000,000.00 and the credit report they ran from bureaus didn’t reflect what I had read from bank. Was told not to run my own, that it would be the same. Made me think, something was wrong. I paid for all 3 and scores were more in line, than theirs! And they do a scare tactic. I have AAA and can get free coverage Experian, they have (2) Accessible and the one for $1,000,000.00 for $8.95 per person, which I’m going to change to the $8.95. AAA has been around a lot longer than LifeLock and I don’t like being told something that’s not true and using scare tactic and they do that. My bank had recently run my credit and my score was not 30 points lower than LifeLock report from 3 Bureaus! The report I didn’t print 84 pages.
• UPDATE ON 11/19/2017: After using scare tactics, when I tried to cancel,
the 1st month’s free
• $1,000,000.00, I was told to call back, which the 9th of Nov. 2017, would be the 29th day, took coverage on the 11th of Oct. 2017. On the 9th, had to take mother to ER, which she remained until Sat., so, I forgot to contact LifeLock, was going to keep, but only $25,000.00 coverage and on the 10th of Nov. 2017, at 6:25 AM EST and saw I was being charged for the $1,000,000.00 on the 30th day, which was in pending and called only to find out, that to call to cancel entirely, due to charging before the free 30 days before a complete 30 days free of charge only to find out I’m speaking to the person in the Philippines, at 7:25 PM. This is supposed to be a US company, which has been bought out by another company, through Sally, who contacted me from Life Lock, because of me reporting this to ConsumerAffairs.
• I will say that she said that the representatives needed more review of training of said person and other people who used scare tactics with me to keep the coverage of $25,000.00! My funds were reversed and I’m keeping AAA, free Experian coverage for right now and their 2nd tier of coverage, which is $1,000,000.00 for $8.95 because I am a member. These companies can pay for violation of your identity or your loss of funds and attorney fees, none of them can correct your credit standings, once you’ve been violated!

• Kevin of San Francisco, CA Verified Reviewer
Original review: Nov. 2, 2017
• I was under the impression the policy was for my FAMILY – then when I got a letter from them telling me they needed more info on my husband, I logged in to learn he’s not protected. I felt conned, so I called to cancel my membership. I got A LOT of pushback, but finally, they processed my refund. For $9. On hold now with these dirtbags to get the rest of the refund. Of course, a very long hold time. I’m fuming.

• Rosezina of Kansas City, MO, Verified Reviewer & Buyer
Original review: Oct. 28, 2017
• I’m not pleased with LifeLock right now. I’ve been with them for over 15 years and hoping that they simply monitor my social security number. Had they been monitoring it, I would not be experiencing identity theft and fraud at this point. I discovered it myself while going to check my credit report.
• Chris said to give it time, 90 days is their usual process, and hopefully things would be resolved. But Equifax hasn’t removed that one simple thing on my report that’s been disputed. I have done all of the research, gotten all letters from TXU Energy on how to resolve the matter and that we weren’t the people who created these bills. I, in turn, faxed it to Chris but I’m going to fax those then to Equifax because LifeLock cannot do anything as the middleman.
• I don’t think anything was corrected on my husband’s behalf because he sent out the extra paperwork to be notarized and sent back to him. I have not heard from Chis. When I called and talked to the manager in Restoration Department, he told me it’s going to take time. This is my first experience with LifeLock and I am so disappointed. I prefer it if it’s just shut. LifeLock has never even updated the credit scores on my name.

Bett of Houston, TX Verified Reviewer, Verified Buyer
Original review: Oct. 27, 2017
• On 10/19, I filled out all the information to enroll me and my mother in Lifelock. On 10/23, I received emails from Lifelock saying that “there was a problem with the debit or credit card you provided, and we were unable to process the payment for…” I opened up my online Lifelock account but there was no way to update or change my billing information. Their website did not even show which credit card or banking information I had used so I could not call the credit card or bank and find out if there was an issue.
• I work full time so did not have time to call until today, 10/27. After I finally got thru to a real person at Lifelock, she said that she did not know why my payment had not gone thru either. It just said “pending”. I asked which credit card or bank account was used but she could not tell me that. She said I could call my bank and find out what the problem is, but how can I do that if she can’t tell me which bank or account it is?
• Then she said that the only thing she knew to do was to close out my accounts and open new accounts, then try the payment again. I asked if I would have to re-enter everything all over again and she said yes. I WORK FULL TIME. I don’t have time to keep re-entering information into their website. Lack of time is one of the reasons that I signed up for Lifelock in the first place… because I don’t have time to personally monitor each and every account I have every day. This is ridiculous.
• And it makes me wonder how effective this company could be if they can’t even tell me the company/account used for billing.

• Dennis of Binghamton, NY, Verified Reviewer
Original review: Oct. 25, 2017
• Recently applied for Home Equity line of credit from M&T Bank Binghamton NY and received no alert… I thought I should have received such an alert from LL. Wrote the complaint department eMail from the website and receive a well thought out answer that basically said, “LL has been very busy and these things happen because you can’t catch them all.” This didn’t really give a warm SAFE PROTECTED felling… Thanks. Disappointed.

• David of Washington, DC Verified Reviewer
Original review: Oct. 22, 2017
• Sept. 9 instructions — on “what action to take” sounded written by a middle school, especially in suggesting that. Of all things, might have actually notified me or anyone else of possible Dark net threats to financial security. I now regard Norton’s promotion of LifeLock as yet another cash flow device for Symantec.

• Miranda of Upper Marlboro, MD Verified Reviewer
Original review: Oct. 22, 2017
• I signed up for LifeLock. Couldn’t remember the promo code mentioned to the agent. I saw it on tv. She didn’t see any offers which were 30 days free. How is it they don’t see in the system the offers out there for customers? Didn’t get the 30 days free not sure if I’ll continue with LifeLock.

• Peter of Paia, HI Verified Reviewer Original review: Oct. 21, 2017
• I have paid for basic coverage for two months now. But, I have NEVER been able to log into my account and have NEVER been able to contact any representative via phone or email about account access issue. However, they are able to bill me… So far, that’s the only service they HAVE provided.

• Betty of Leawood, KS Verified Reviewer Verified Buyer
Original review: Oct. 21, 2017
• I NEVER TALKED with anyone – when calling the wait time was too long. Very expensive service but not accessible. Could not contact on the internet. Now is the time for all good men to come to the aid of their country.

• Joseph of Cedar Park, TX Verified Reviewer
Original review: Oct. 20, 2017
• Lifelock is notified it’s been hacked. Why is the burden of determining who and when placed by LifeLock the company I pay monthly to protect me or monitor me on me? Why couldn’t LifeLock review its records (mind) and contact me? I’m the CUSTOMER. THE GUY OR GAL WITH THE MONEY, making automatic payments every month. LifeLock should be checking and notifying all its customers/clients if their information was hacked/taken. Not saying “Oh, LifeLock/Experian/Equifax has been hacked. You better check your financial info and get back with LifeLock.” Unfreaking believable.
• LifeLock/Experian/Equifax get hacked and the paying customers are then told they have to check, contact Experian/Equifax to determine if their information had been stolen. Again UNFREAKING BELIEVABLE. What this customer expects is for LifeLock to do the work for it’s paid to do by its CUSTOMERS. LifeLock should check all its CUSTOMERS/CLIENT information and follow up personally with every one of its customers/clients. This hack was not the CUSTOMERS FAULT, so LifeLock doesn’t just say there’s been a hack and “Oh by the way LifeLock CUSTOMERS should check their information.” LifeLock needs should accept a lot more responsibility and accountability. I mean isn’t that why millions of customers/clients chose LifeLock.
• I mean we the customers clearly didn’t enter into a relationship of information security to be told we have to check our own information. Oh yea, when a customer does visit the Experian or Equifax websites, you’re immediately advised that if you do a scan you will be DISQUALIFIED by doing so from any lawsuit settlement. Please tell this LifeLock CUSTOMER/CLIENT how that is fair and just and encourages customers/clients to continue their relationship. The customers/clients should go it alone, take their chances it would appear. If this LifeLock CUSTOMER/CLIENT has to check with whatever resources available his/her information I would LifeLock to pay for time spent doing so.

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Life Lock Goes Public http://lifelockscam.com/life-lock-goes-public/ http://lifelockscam.com/life-lock-goes-public/#respond Wed, 14 Feb 2018 12:56:49 +0000 http://lifelockscam.com/?p=53 LifeLock launched its new persona as a publicly traded company on Wednesday — then watched as its initial stock price fell by several percent.

LifeLock, the Tempe-based anti-identity-theft company founded in 2005 by Robert Maynard Jr. and Todd Davis, had expected to sell shares at $9 apiece, but the price dropped after sales began and ended the day at $8.36, financial news networks reported.

The above-linked CBNC blog post quotes Davis as saying that the setback is temporary, and that the company is poised for tremendous growth.

Overall revenue grew over the years for the company even as criticism of the business mounted. But profit figures released by the company prior to the initial public offering show that the company, heavily in debt to its investors, has only recently begun to earn a profit.

What’s astonishing is that makes any money at all. Critical articles in the Phoenix New Times and other publications in past years showed the public that the company’s primary service — setting fraud alerts on a consumer’s credit report — can easily be done by the consumer, if it needs to be done at all. As we’ve reported previously, if a LifeLock customer is victimized, the company hires another company to deal with the problem.

The Federal Trade Commission fined LifeLock $12 million in 2010 for making false claims in its advertising. The company changed its practices, but still relies on fear of identity theft to bring in customers.

In 2007, a New Times article exposed founder Robert Maynard Jr.’s lies about how he came up with the idea for the company, and reminded readers of his past troubles with the FTC. Our 2011 article on LifeLockshowed how CEO Todd Davis, after publicly revealing his Social Security Number, had become a victim of identity theft 13 times.

SOURCE: phoenixnewtimes.com

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FTC http://lifelockscam.com/ftc-2/ http://lifelockscam.com/ftc-2/#respond Wed, 14 Feb 2018 12:55:03 +0000 http://lifelockscam.com/?p=95

National Credit Foundation Founder Settles FTC Charges Over Credit Repair Fraud

Settlement to Ban Dallas Man from Credit Improvement Business

Dallas, Texas, resident Robert J. Maynard, Jr., a stockholder and officer of National Credit Foundation, Inc., a now-defunct “credit repair” business based in Phoenix, Arizona, has agreed under a settlement of Federal Trade Commission charges to exit the credit repair business permanently and entirely. The settlement, if approved by the court, would resolve October 1996 FTC charges that Maynard, National and three other individual defendants in the case misrepresented they could unconditionally improve consumers’ credit reports, and that they obtained consumers’ checking account information by promising it would be used for some purpose other than debiting their checking accounts and then debited the consumers’ accounts without authorization. In addition, the FTC had alleged, the infomercial the defendants used to tout their services was formatted to represent that it was a independent talk show, rather than a lengthy commercial advertisement, a deceptive practice.

Maynard is the last defendant in the case to settle the charges in the FTC court-filed complaint, which also named Brian W. Cutright, Mark F. Guimond, Hal Z. Lederman, and NCF Corp. Under the proposed consent judgment that Maynard has signed, he would be prohibited from offering, promoting or performing any service related to credit improvement. In addition, he would be prohibited from misrepresenting the purpose for which he is obtaining or requesting information from consumers about their checking, charge or credit accounts, and from debiting a consumer’s account without express verifiable authorization from the consumer. Further, any commercial or infomercial longer that 15 minutes that he creates or disseminates must state — both at the outset and immediately before instructions for ordering any product or service are presented — that the program is a paid advertisement for the product or service.

Based on a sworn financial statement, Maynard would not be required to pay redress, but the order would permit the Commission to reopen the matter and seek redress should the financial data prove inaccurate.

A new federal law, the Credit Repair Organization Act, which went into effect April 1, prohibits credit repair organizations from taking money from consumers before fully performing the promised services, and requires these firms to give consumers a written contract with all the terms and conditions of payment and the services to be provided. The law also gives consumers a three-day “cooling off” period, a right to cancel any agreement they sign with a credit repair organization. A new book produced by the FTC, the Better Business Bureau of Northern Illinois and the Consumer Counseling Service of Chicago titled “Getting Back in the Black” outlines legal alternatives to help consumers in credit trouble and is available free from the FTC’s Public Reference Branch (see below).

The Commission vote to approve the settlement with Maynard was 5-0. It was filed April 9 in U.S. District Court for the District of Arizona, in Phoenix.

NOTE: This consent judgment is for settlement purposes only and does not constitute an admission by the defendant of a law violation. Consent judgments have the force of law when signed by the judge.

Copies of documents related to this case and the “Back in the Black” booklet are available from the FTC’s Public Reference Branch, Room 130, 6th Street and Pennsylvania Avenue, N.W., Washington, D.C. 20580; 202-326-2222; TTY for the hearing impaired 202- 326-2502. To find out the latest news as it is announced, call the FTC NewsPhone record ing at 202-326-2710. FTC news releases and many other documents also are available on the FTC’s web site at www.ftc.gov (no final period).

(FTC File No. X970005)
(Civil Action No. CIV-96-2374-PHX-ROS)

CONTACT INFORMATION

Media Contact:Bonnie Jansen or Claudia Bourne Farrell
Office of Public Affairs
202-326-2161 or 202-326-2180Staff Contact:John D. Jacobs or Linda M. Stock
Los Angeles Regional Office
11000 Wilshire Boulevard, Suite 13209
Los Angeles, California 90024
310-235-4040

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FTC http://lifelockscam.com/ftc/ http://lifelockscam.com/ftc/#respond Wed, 14 Feb 2018 12:51:32 +0000 http://lifelockscam.com/?p=92

Maynard Jr., Robert J.; Brian W. Cutright; Mark F. Guimond; NCF Corp.; and Hal Z. Lederman

LAST UPDATED: APRIL 10, 1997

FTC v. Robert J. Maynard, Jr.; Brian W. Cutright; Mark F. Guimond; NCF Corp.; and Hal Z. Lederman

FTC MATTER/FILE NUMBER:

X970005

CIVIL ACTION NUMBER:

CIV-96-2374-PHX-ROS

FEDERAL COURT:

District of Arizona

CASE TIMELINE

April 10, 1997

Final Judgment and Order for Permanent Injunction With Respect to Defendant Robert J. Maynard, Jr. (27.81 KB)

Stipulation to Final Judgment and Order for Permanent Injunction With Respect to Defendant Robert J. Maynard, Jr. . (30.05 KB)

PRESS RELEASE: National Credit Foundation Founder Settles FTC Charges Over Credit Repair Fraud

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Robert J. Maynard Jr. http://lifelockscam.com/robert-j-maynard-jr/ http://lifelockscam.com/robert-j-maynard-jr/#respond Wed, 14 Feb 2018 11:08:40 +0000 http://lifelockscam.com/?p=38 What Happened in Vegas…

In April 2005, local entrepreneur Robert J. Maynard Jr. was beyond broke.

At 43, with an ex-wife and two kids, he told the government in his bankruptcy filing that he had $20 in his pocket and $15 in the bank. He was hundreds of thousands of dollars in debt.

Maynard, a Valley native and former Marine, had seen some success in the late 1990s as the founder of Internet America, an early Internet service provider. He had owned a nice home in Ahwatukee with expensive cars in the driveway. He had bragged he would retire at age 35. Those days were gone.

Still, Maynard was optimistic. He’d been through this before. He’s the type who jumps back up after a fall — one of those edgy entrepreneurs who always seem to be on the verge of great success or great failure.

His first personal bankruptcy was in 1990, and he had filed again in 1994 for one of his failed companies.

But even as his finances sunk to new depths, his next big business venture was taking off. Drawing on his experience in credit repair and with the Internet, Maynard dreamed up a service that would protect people against the dreaded crime of identity theft.

Lifelock, as his new company would come to be called, began offering services to the public the same month in 2005 that Maynard filed still another bankruptcy.

LifeLock’s primary service is nothing you can’t do yourself. If you think someone has stolen your identity, you can call one of the three major credit bureaus, TransUnion, Experian or Equifax, and place an electronic red flag, called a fraud alert, on your account.

Here’s how it works: The credit bureaus make money by selling information about you that helps lenders determine whether you’re going to cheat them out of money if they give you a loan. Now, imagine a scraggly meth head trying to open a line of credit in your name at Circuit City to buy an HDTV because he stole your boss’ laptop, which had all your personal data in it. When Circuit City calls one of the credit bureaus to check you out, there’s a fraud alert on your account. Circuit City is supposed to use the contact information on the credit bureau’s account to notify the account holder of the impending purchase. If everything goes according to plan, the meth head goes home empty-handed.

The catch: Every 90 days the credit bureau erases fraud alerts on the account. That’s because fraud alerts are a headache to lenders like Circuit City — commerce would move like molasses if every account was red-flagged.

Customers pay LifeLock $10 a month to call a credit bureau every three months and put a fraud alert on an account. By law, if one bureau is notified, it must alert the other two. LifeLock also offers insurance. If a customer becomes a victim despite the service, LifeLock says it will pay losses (if the claim holds up to scrutiny) of up to $1 million. The company says that has happened only three times, and the costs were far less than the million-dollar limit.

LifeLock was an immediate hit. The news media scrambled to meet Maynard and his business partner, Todd Davis, pimping them like crime-fighting superheroes.

Maynard claimed he got the idea for LifeLock after spending a week in jail in 2003. The pair have told his story ever since as a frightening example of what can happen to victims of identity theft. The details vary slightly in articles and television news reports, but the story goes something like this:

A few years ago, Maynard answered a knock on his door in Phoenix one morning to find five deputies holding a warrant for his arrest. They accused him of failing to pay back a $16,000 casino loan to the Mirage in Las Vegas and, despite his protests, hauled him off to the Maricopa County Jail. Maynard had not even been in Vegas when the casino made its loan. One of the guys who stole Maynard’s identity and the casino’s money is now doing time for murder. Maynard was released after seven days, but he spent more than $20,000 and countless hours on the telephone trying to clear his name. While sitting in his jail cell, he came up with the plan for LifeLock so other people could avoid being victimized by identity thieves.

It’s a story that stokes the public’s worst fears of identity theft, a crime that induces a state of near-paranoia in many of us. Though not a crime of violence, victims are left feeling violated, even when financial losses are small. Nationwide, the problem is immense, costing at least $50 billion a year and forcing consumers, businesses, and governments to become more savvy in trying to prevent it.

Horror stories like Maynard’s are staples in almost any discussion about identity theft. Clearly, such stories may influence people to take counter-measures — signing up with LifeLock, for instance. No wonder that Maynard and Davis, LifeLock’s chief operating officer, seem to relish repeating how Maynard became a victim.

Maynard’s life was soon looking up again — big time.

Today, he’s one of the heads of a multimillion-dollar company based in Tempe that employs dozens of people. The company claims to have more than 150,000 customers, which is a lot of people paying $10 a month. Last month, a trio of investors, including the local Biltmore Ventures group, gave LifeLock an additional $6 million in seed funding. LifeLock advertises heavily on the Internet and radio; its ads can be heard on the Howard Stern, Paul Harvey and Rush Limbaugh shows.

Against a backdrop of unrelenting hype over identity theft, credulous news reporters gulped Maynard’s story down like cold beer. But a simple Google search reveals Maynard’s credibility in the business community was long ago shot.

His credit-repair company was shut down by authorities in the early 1990s for false advertising and deceptive practices. Forced closure means that a federal court order has banned Maynard from working in the credit-repair industry — forever.

That he continues to work in the industry, despite the court order, should surprise no one who knows his history. It also shouldn’t surprise anybody that Maynard’s story about how he became a victim is only partially true.

Maynard did, in fact, spend a week in jail in 2003 because of an unpaid $16,000 casino marker drawn from the Mirage.

It was Maynard’s marker. The casino took a copy of his Arizona driver’s license when he took out the loan.

There was no identity theft.

But an even more serious reflection on Maynard in his new role as Mr. Identity Theft can be found alongside the paper trail of lawsuits against him in Maricopa County Superior Court.

American Express sued Maynard’s father in 2005 for $154,000 in unpaid bills. But Dr. Robert J. Maynard Sr., a prominent local eye doctor, denied he ordered the card.

Records show that someone with Maynard Sr.’s personal information ordered the card. But that someone didn’t have the bills sent to Maynard Sr.’s home. Instead, the bills went to a company called Netshield, at a Phoenix address used by one of Maynard Jr.’s former firms.

Though Maynard Sr. says he never asked for the card, he settled with the company. Coincidentally, Maynard Jr. has $170,000 in debt to American Express listed on his 2005 bankruptcy paperwork — and his father is named as a co-debtor.

If Maynard Jr. ordered the card using his dad’s data, without his dad’s knowledge, that would make him — you got it — an identity thief.

Of course, his father could have lied to American Express. Perhaps, Dr. Maynard ordered the card for his son.

But that’s not what Dr. Maynard tells New Times.

The elder Maynard says he’s still in litigation on the matter and cannot fully comment. But asked whether Maynard Jr. used his dad’s identity to obtain the card, Dr. Maynard, who says he hasn’t spoken to his son in more than two years, replies, “I can’t disagree with that.”

Security at LifeLock, which shares suites in an office building at Rural and Guadalupe roads, rivals that of the FBI building in downtown Phoenix.

Visitors are asked to leave their driver’s licenses at the front desk during their stay. Employees press an electronic fingerprint reader to gain access beyond the reception desk into a hallway with lockers. The personal effects of workers must be put into the lockers before they pass into the main offices, and workers mustn’t take anything in or out of those offices.

Mike Prusinski, the company’s bald and beefy spokesman, explains that LifeLock is proud to be the smallest company in the world with ISO 27001 certification, the highest security rating possible for a business involved in data exchange.

Such high-level security must be a reassurance for customers, who must release to LifeLock exactly the kind of personal data that would make them prone to identity theft. To deal with the credit bureaus on behalf of customers, LifeLock must become a legal representative of these customers.

Trust, then, is one of LifeLock’s key selling points.

Past the lockers is a secure room with glass walls next to a larger, open office space. Inside the room, which requires a magnetic card swipe to enter, about 10 employees sit in front of computers talking into headsets. They’re taking inbound calls from people signing up with LifeLock, people who are giving out Social Security numbers and driver’s license numbers and bank-card numbers, so that the company can debit $10 a month from their checking accounts or credit cards. On the wall hangs a large, flat-panel computer screen with a map of the United States that shows where the calls are coming from.

LifeLock’s business and administrative folks work in the less-secure part of the suite. Smaller enclosed offices for the company’s executives line the wall at one end.

Prusinski had set up a meeting for New Times with Robert Maynard and LifeLock CEO Todd Davis. But a few days before the interview, Prusinski had called to say Maynard was too busy to make it. Maynard was going on a business trip, meeting with shock jock Howard Stern to discuss radio advertising options. And after that he was, well, “really busy.” Told that New Times had questions about Maynard’s 2003 arrest, Prusinski says Maynard has been “touchy” lately about discussing the details.

When a reporter and photographer arrive at LifeLock midmorning on the appointed date, Maynard’s long office, with a fiery abstract painting at one end, looks as if it was vacated only minutes earlier. A laptop, next to his desktop computer, is open; half-empty cups of coffee and water sit next to paperwork.

Davis, about 40 with blondish, short hair, invites the reporter and photographer into his office, which is adjacent to Maynard’s but is smaller.

As he explains LifeLock’s services, it becomes clear that if trust is one of the company’s key concepts, another is fear.

Davis is a wealth of scary statistics: Americans are 25 times more likely to be victims of identity theft than vehicle theft. Data breeches at U.S. companies spurred 150 million warning letters to Americans since 2005.

And then there’s Maynard’s story.

“They don’t know how his identification was stolen,” Davis says. “But it was stolen, and he went to, uh, the thief went to Las Vegas and opened lines of credit.”

The cops put Maynard in handcuffs in front of his family and took him to jail in Phoenix. Authorities in Clark County, Nevada, tried to have him extradited. Davis integrates selling points into the tale.

“If he’d had the fraud alerts in place, it would have stopped the transaction before it happened, so he wouldn’t have had to go to jail,” Davis says.

Davis acknowledges that casinos keep a copy of the ID of any person who takes out a loan as large as $16,000. But he says Maynard would have had to spend weeks in jail before authorities allowed him to prove he was innocent with a simple comparison of photos.

Davis again switches to sales mode: “We would have gone to the casino and said, ‘Let’s see the tape. That’s clearly not our client.’ Our client would not have stayed in jail. He would have been exonerated quickly.”

As it was, Maynard figured the best thing to do was just pay the casino its money, Davis says.

“That was the quickest way to get out from under the problem, ’cause he’s in jail,” Davis says. “He had to make a financial decision: ‘Do I dig my heels in on moral grounds, or do I make this go away?’”

It’s as if Davis is describing the actions of a man to whom money means nothing.

Yet in 2003, Maynard already was up to his eyeballs in debt. Questioned pointedly on this issue, Davis appears nervous. His foot starts bouncing under his desk. He insists that he believes Maynard’s yarn is perfectly accurate.

Asked why Maynard would have to forfeit the $16,000 if he could prove he didn’t take out the loan, Davis says Maynard eventually did get his money back.

But that contradicts part of the story Davis has told many times — that the experience “cost” Maynard $20,000, a figure he says included the $16,000.

Davis flip-flops later in the conversation, saying he was “under the impression” that Maynard never recovered the money.

Before the interview, New Times had made a call to Bernie Zadrowski, chief deputy district attorney in Clark County, Nevada, and supervisor of the office’s bad check division.

Maynard’s case was actually very simple, Zadrowski says.

A casino marker is the same thing as a personal check under Nevada law. It’s a way gamblers avoid the risk of carrying around big wads of cash. A high-roller submits a form for the marker with his or her checking account number and obtains a stack of chips. The casino then has the right to deposit the marker at any time but usually waits a few months. That way, Zadrowski says, if the gambler’s losses are high, the casino gives the gambler time to pay the money back. And everyone is happy.

If the check bounces, the casino makes a number of collection attempts, and if that doesn’t work, the case is referred to authorities.

Records show that on January 15, 2003, Zadrowski’s office contacted the Arizona Department of Public Safety and put a warrant out for Maynard’s arrest. Six months later, on June 20, officers from DPS and Phoenix police went to a Phoenix apartment, picked Maynard up and took him to a Maricopa County Jail unit.

It was Maynard’s second time behind bars. DPS records show he was stopped for speeding on Arizona Highway 68 near Bullhead City in 1991 and taken to jail in Mohave County because of an unpaid speeding ticket.

Faced with untold numbers of gamblers who fail to pay their markers, the Clark County D.A.’s office long ago created a diversion program that gives deadbeats a second chance to pay up rather than face criminal charges. Once Maynard finally coughed up the 16 grand, Nevada dropped its criminal case against him.

Because Las Vegas is one of the identity-theft capitals of the world — right up there with the Phoenix metro area — Clark County provides a “forgery packet” to anyone claiming to be a victim. A claim like Maynard’s would have been investigated thoroughly, Zadrowski maintains.

“Not once did anybody ever suggest, in this particular case, that this was a case of stolen identity,” he says.

Maynard never filed a police report for identity theft, or it would be part of the D.A.’s office file, Zadrowski says.

“The only call we received while he was in jail was from his girlfriend. She wanted to know how to get him out of jail,” he says.

Zadrowski pulled the Arizona driver’s license submitted to the casino by the person who took out the loan and e-mailed a copy to New Times.

Although the resolution quality is poor, the man in the picture looks like Maynard. Zadrowski says the man pictured is Maynard.

Maynard’s girlfriend at the time, Valley resident Betsey Griffin, is listed on Maynard’s 2005 bankruptcy report as being owed $10,000. Reached by phone, she says she had nothing to do with getting Maynard out of jail and did not pay the $16,000 for him.

“Because he owed me money, I wasn’t going to give him any money to get him out of jail,” she says. “So it didn’t come from me.” (Maynard later paid back the $10,000 with interest, she says.)

Confronted with Zadrowski’s side of the story, Todd Davis registers no obvious surprise.

“Is that what you think you have?” he says. “Okay, I hear what you’re telling me.”

Davis then goes into defense mode, saying that although the story is, indeed, the inspiration for the company, “we don’t use that story. That’s nowhere on our Web site. That’s not part of our messaging. We don’t use it in any of our, quote, advertising.”

He says that he, Maynard and Prusinski — who’s also on record telling the tale — simply respond to reporters’ questions about how the company got started.

As of May, LifeLock still had at least one link on its Web site that introduces Maynard’s victim story — a WCPO-TV news broadcast from Cincinnati. (The station took the video down, but still has a transcript on one of its sites.)

Call it advertising or public relations, Maynard’s tale certainly has made the rounds. Another TV station in Baltimore reported it as fact. Internet sites like www.eweek.com and www.scambusters.com also fell for it.

Newspapers in the Valley were no different.

In a 2005 Business Journal of Phoenix article by Adam Kress, Maynard spiced up his story by adding that police officers assumed he was a murderer they had been seeking. An East Valley Tribune business article by Edward Gately says Maynard claimed to have been victimized in 1998, as does an Arizona Business Gazette article by Maggie Galehouse. A quick call to either the Maricopa County Sheriff’s Office or Clark County D.A.’s office would have turned up evidence of the actual arrest date.

The amount Maynard lost dropped from $20,000 to $3,000 in an Arizona Republic article last summer by Luci Scott. That discrepancy could have been caught by looking up previously published articles.

Other stories, which don’t include the jail yarn, appeared in various editions of the Republic in August and December 2006, and in May 2007.

Newspapers all over the country have written about LifeLock, and the company has a decent Web presence. Punching the name in Google returns 202,000 results, partly because the company pays bloggers who help sell its services.

Maynard himself writes craftily about his jail stint in articles posted on www.military.com, including one headlined “I was a Jailbird or ‘Sitting Duck.’”

Say what you will about LifeLock, all this is evidence that its execs are masterful at getting publicity.

Robert J. Maynard Jr. is one of the smartest people his father has ever known.

Dr. Maynard, one of six members of the state’s board of optometry, says his son possesses an extraordinary ability to predict the growth of future markets and to convince people that they should give him money.

Maynard Jr. was born in Phoenix in 1962 and went to Arizona State University for a time after graduating from Brophy College Preparatory. He joined the U.S. Marine Corps and was honorably discharged.

His father says Maynard Jr. eventually graduated from Northern Arizona University, burning with desire for the good life.

“It started when he was in college,” Dr. Maynard says. “He didn’t want the $20 pair of shoes. He wanted the $300 pair of shoes.”

Three years after his first Chapter 7 bankruptcy in 1990, Maynard’s dream of getting rich was coming true. His credit-repair company, the National Credit Foundation, was raking in millions. But a few months after it started, state and federal authorities crashed the party.

New laws had been passed to deal with unscrupulous credit-repair firms that, at the time, seemed to be cropping up everywhere. Retired Tucson attorney John Wall, who handled the National Credit Foundation case on behalf of then-state Attorney General Grant Woods, says Maynard’s firm was one of several the state targeted.

Court records show the state sued the firm, accusing Maynard and his three partners of fraud and misrepresentation. For one thing, the company falsely claimed it was a “foundation,” a label that implied nonprofit status. It stated in advertising it could “help anyone legally obtain good credit,” but it couldn’t really do that. And it claimed, falsely, that it was operating legally.

State law required companies like Maynard’s to pay the state a bond amount of $5,000 to $25,000, to notify customers of their right to cancel services, and to provide customers with written contracts and informational statements. National Credit Foundation failed to do those things, the state said.

At the time, Maynard denied any wrongdoing, saying his business had no customer complaints and was, indeed, legal. He accused Woods of trumping up the charges and trying to destroy all “credit restorative service” firms like his.

A judge soon forced the company to stop doing business and turn over customer records to investigators.

Wall says he remembers running into Maynard around that time in the checkout line at a Costco store. Maynard was friendly, despite the ongoing litigation, and introduced his wife and baby. But the veteran prosecutor views Maynard’s niceness with cynicism.

“Oftentimes, people are selling even when under investigation,” he says.

The FTC launched a parallel lawsuit, going after Maynard and his partners for producing and airing a misleading infomercial about the firm’s services. That wasn’t the worst of it.

Federal court records state that Maynard and the other defendants obtained their customers’ banking information and, “in numerous instances . . . withdrew funds from consumers’ checking accounts without authorization.”

Gilbert resident Vincent Calabrese, listed as one of the firm’s creditors because of owed back pay, says he worked for National Credit Foundation for about a year and was there at the end. He says he’ll never forget how the “phone was just going nuts” in the last few weeks with customers reporting unauthorized debits on their bank accounts, usually for about $300 a whack.

“I don’t know what happened. People were getting hit; their accounts were getting hit,” he says. “I thought the information got out on these people on these accounts, and somebody used it.”

He didn’t suspect the company itself, he says.

“I was on three-way conversations with the bank and the people,” Calabrese says. “These people were crying, practically, on the phone.”

He also recalls that, sometime in the company’s last few days of existence, a news reporter from a television network came in to interview Maynard for a story about the problems.

In a 1998 magazine article, Maynard blamed the National Credit Foundation debacle on the company that produced the infomercial, saying it tried to take over his business. As revenge, Maynard “killed his business” so the other company could not usurp it. The article states Maynard “strapped on a pistol and told his 300 employees to get out. Then he closed the office, declared Chapter 7 and sold everything.”

The story could not be verified, because Maynard has refused to be interviewed by New Times.

Again, Maynard denied wrongdoing. But the federal government was so ticked off, it issued a permanent injunction that bans Maynard from “advertising, promoting, offering for sale, selling, performing, or distributing any product or service relating to credit improvement services.”

Yet such a service is offered by LifeLock, where founder Maynard works as the chief marketing officer. (He was formerly the chief operating officer).

LifeLock helps customers who fall victim to identity theft repair damaged credit histories. So, the question is: Does Maynard’s position at LifeLock violate the court order?

When his partner, Davis, is asked about this, he says the company outsources its credit-repair service. Besides, he says, the company has a written opinion from its attorney that Maynard is legally allowed to work for LifeLock.

After National Credit Foundation’s fall, Maynard moved to Dallas and started Internet America. By early 1996, that firm was backed by investors and had 25,000 customers, according to an article that year in the Fort Worth Star-Telegram.

The newspaper article describes Maynard as a financial whiz kid who adheres to the utmost standards of professionalism.

“That’s how we go out and get a $250,000 line of credit somewhere,” Maynard was quoted as saying.

Two years later, a Dallas Business Journal article reported that Maynard resigned from Internet America after finally settling with the FTC in the credit-repair case.

Maynard came back to Phoenix in 1999 and invested hundreds of thousands of dollars in a new company he founded, Dotsafe, which offered Internet-filtering services for schools.

Around the same time, someone ordered an American Express card in Maynard Sr.’s name and had the bills sent to a company called Netshield at 8181 South 48th Street, Suite 120, in Phoenix. That was Dotsafe’s address.

Court and bankruptcy records suggest that Maynard Jr. obtained the card without his father’s consent.

Dr. Maynard, while not giving up all the details because of the open case with American Express, says the “premise” that his son fraudulently ordered the card is accurate.

He adds that he has advice for any new parent: Don’t name your kid after yourself.

Even as Dotsafe imploded, Maynard Jr. borrowed heavily and “his living style never went down,” his father says.

At one point, Maynard Jr. owed more than $1 million in unpaid taxes to the Internal Revenue Service. Court records reveal lawsuits from a slew of creditors related to Dotsafe. His 2005 personal Chapter 7 bankruptcy lists debts to friends, business partners, credit card companies, the Phoenix Library — even $24,000 to his children’s private school, Summit School of Ahwatukee.

Yet, these days, Maynard is back in black — or close, anyway.

LifeLock’s expanding and even became a finalist for this year’s national Stevie Awards for best new company and best new product or service. Davis is a finalist for best executive.

Dr. Maynard, who acknowledges that his relationship with his son isn’t “normal,” says he is pessimistic about his son’s future — regardless of his current success.

“I don’t think Robert will ever not have the ups and downs,” Maynard Sr. says. “Mostly, veracity is a problem.”

One thing Maynard Sr. finds “mind-boggling” is why his son has repeated the bogus victim story so often because it was bound to be exposed, and LifeLock might have been just fine without it.

“Nobody has any idea [why he did that],” Maynard Sr. says, adding that a real identity-theft victim could have been found to promote the company. “I think Robert has told the story enough that he thinks it’s true.”

Journalists and other members of the public probably shouldn’t be judged too harshly for believing Maynard’s tale. There is no doubt that identity theft has left some victims ravaged, and legitimate horror stories are presented often by credible sources.

Andrea Esquer of the Arizona Attorney General’s Office recalls going to a meeting recently with Phoenix College staff who had been victimized by a dumpster-diving mail thief.

“There were at least four or five victims in the audience who are still trying to clear their name from the mess this guy made,” Esquer says. “They were devastated. They were very angry.”

On the other hand, identity theft shouldn’t be cause for hysteria. Yes, the crime can be horrendous, and we all need to be aware of it. But for most victims, it’s really not that bad.

Much of the hype stems from confusion over government definitions of identity theft. For instance, two-thirds of the $50 billion in losses nationally comes from credit card misuse: Someone steals your credit card or credit card number and makes charges without your knowledge.

That crime used to be called fraud — now it’s in the identity-theft category. Like shoplifting, the crime is bad for business and bad for the economy. But it’s a breeze for consumers: The law forbids credit card companies from making clients pay more than $50 in false charges. Even that $50 often gets waived, typically, in the interest of good customer service.

More insidious forms of identity theft, like opening new credit accounts in a consumer’s name — the type of theft LifeLock’s periodic fraud alerts purport to prevent — are less common.

Statistics show that many victims don’t act particularly concerned.

The Federal Trade Commission’s 2006 data shows that of about 250,000 identity theft complaints to the FTC, more than half of victims never contacted a credit bureau to place a fraud alert. About 62 percent never contacted police.

A survey of 5,000 American homes in October by Javelin Research and Strategy showed new-account fraud seems to be declining: One percent of respondents to the survey reported being victims, down from 1.5 percent in 2005. Identity theft cost victims less money and took less time to resolve last year, too.

Overall, 3.7 percent of Americans were victimized in 2006, down from 4.7 percent in 2003, the survey concluded.

That still would mean millions of victims.

But Fred Cate, an Indiana University professor and authority on banking security issues, says a lot of these survey numbers are “crap.”

“So, we call these people at home, have these murky definitions, then we multiply that out,” Cate tells New Times. “I don’t mean to sound too skeptical, but we know Visa has testified before Congress, and more than half the calls they get about false charges, they weren’t false charges.”

Cate, who has testified before Congress, says that although identity theft isn’t such a big problem in the greater scheme of things, he doesn’t want to “diminish the horror” victims may feel. He believes innocent people havegone to jail because of the crime — he says he’s talked with some of them. But it’s not exactly a widespread phenomenon.

Fearing the worst motivates people to buy identity-theft insurance and credit-monitoring services, which have become big business. Plenty of companies offer services similar to LifeLock’s, including the three credit bureaus.

“The unique and troubling aspect of identity theft is that it’s not like other crimes, where the crime happens and it’s over,” says Ron Griffin, public education manager for Experian, one of the credit bureaus. “The nature of ID theft is that it recurs.”

Credit bureaus are usually the “messenger that somebody is at it again,” Griffin says.

Once an identity thief screws up your credit, the process can be “cumbersome” to unwind, Griffin admits. Victims must present valid police or state identity theft reports, and provide identifying information, he says.

Arizonans are extra vulnerable. The FTC says the state was No. 1 for the crime last year, though Valley residents are less likely to become victims, on a per capita basis, than people in smaller towns like Flagstaff and Prescott.

Responding to worried constituents, Republican and Democratic lawmakers in Arizona worked on a bill this year that would allow people to freeze their credit reports, making it close to impossible for thieves to open new accounts.

State Representative Bob Robson, a Republican from Chandler, says the bill failed partly because the fee of $45 to freeze the reports at all three credit bureaus was too high. Customers could unfreeze the reports in as little as 15 minutes to take advantage of a good credit offer, but they’d have to pay for a refreeze. The bill will be back next year with a better price tag, he predicts.

According to an article in the Washington Post last month, 33 states already have similar credit-freezing programs. Robson points out, though, that only about 50,000 people nationwide have taken advantage of that option.

“I heard it might be for people who don’t use credit a lot,” Robson says.

Amanda Aguirre, a Democratic state Senator from Yuma who helped sponsor Arizona’s credit freeze bill, has her own tale of woe, though nothing so dramatic as Robert Maynard’s. The Regional Center for Border Health Inc., a walk-in health clinic in San Luis, was struck last year by an identity thief.

“Somebody used the routing number of the nonprofit agency, went on the Internet and paid all kinds of bills,” says Aguirre, the agency’s president and CEO.

It’s not a good example for her bill — a credit freeze wouldn’t have prevented the crime. And like most identity-theft victims, the agency paid no out-of-pocket expenses. The bank reimbursed the agency the $6,000 that was stolen, and her staff spent about five hours doing paperwork and making phone calls to fix the damage.

LifeLock CEO Todd Davis says no one ever questioned Maynard’s victim tale until New Times called.

Any public revelation that Maynard’s story wasn’t true would be a “massive downside” for LifeLock, he says, and he wouldn’t have repeated the story if he knew it was false.

“If I thought there was something, why would I go jeopardize everything else we’re doing when I have very effective messaging that works without [Maynard’s jail story],” he says. “It would give me grave concern if there was an issue with that story.”

Despite that, Davis refuses to call Maynard at the time of the interview to ask him about the situation. He says he’ll “look into it” and the company will issue an official response.

That was on May 10. New Times is still waiting.

On May 21, Maynard told a Today show producer his victim story. And on May 17, Davis repeated the story to members of the Enterprise Network business association during a speech about the company at the Lakeview Inn at Camelback Golf Club in Phoenix.

The Clark County D.A.’s representative, Zadrowski, says nobody from LifeLock has called him about Maynard.

So much for Davis’ “grave concern.” Clearly, the company considers the bogus victim story too precious to throw out.

Zadrowski grew indignant when he was e-mailed newspaper articles in which Maynard tells the tall tale. If it were based in Nevada, LifeLock would be subjecting itself to potential criminal liability for obtaining money or services under false pretenses, he says. But a prosecution would depend on the unique facts of the case.

Ken Abbe, a staff attorney for the FTC, says speaking to the media is usually covered by the First Amendment to the U.S. Constitution, but a case for false advertising could potentially be made.

“The question is: Is that the story that makes consumers act on their decision?” Abbe says, making it clear he cannot comment on whether LifeLock is breaking the law.

It cannot be predicted what will happen to LifeLock if customers lose trust in it.

The company offers a legitimate service, and no LifeLock subscribers have complained of being misled, Davis says.

“We’re squeaky clean,” he brags.

Then again, until now, LifeLock customers haven’t had a reason to doubt the word of Davis and Maynard.

Calls to venture capitalists Kleiner Perkins Caufield & Byers, Bessemer Venture Partners and Biltmore Ventures — the groups that, in April, kicked $6 million in funding to LifeLock — were not returned.

In another sign of the company’s growth, LifeLock was set to transform its office at Rural and Guadalupe into the main call center and move its headquarters to two floors at the Hayden Ferry Lakeview building next to Town Lake in Tempe.

When New Times finally reached Maynard on his cell phone in mid-May, he hung up. New Times called him again and asked him point blank whether he had stolen his father’s identity to take out the American Express card. He didn’t deny it but said, “You better be real careful.”

He was also asked to explain the facts behind the jail story. Before hanging up again, he blurted, “You’re going to say what you’re going to say. You’re going to assassinate my character.”

Nobody could do that better than Robert J. Maynard Jr. already has.

Source: phoenixnewtimes.com

 

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Todd Davis http://lifelockscam.com/todd-davis/ http://lifelockscam.com/todd-davis/#respond Wed, 14 Feb 2018 11:04:35 +0000 http://lifelockscam.com/?p=34 LifeLock CEO Todd Davis Tries to Spin Story on Frequent Identity Thefts; No Explanation for Why Davis Hid Thefts From Customers!

 

 

 

 

 

 

LifeLock has finally responded to our feature article this week about the Tempe-based company, and the revelation that its CEO, Todd Davis, has had his identity stolen at least 13 times.

We offered Davis and LifeLock the chance to come clean about Davis’ problems with identity theft before we published the article, but the company wussed out.

Davis did, however, give a statement to one of the many online publications writing this week about the New Times article.

Naturally, we’re suspicious about his spin.

Here’s what Computerworld wrote this morning:

Davis said via e-mail that there had been “hundreds” of attempts to use his personal information in a fraudulent manner since 2005. All but 13 of those attempts were unsuccessful, Davis said.

“In each of these cases, our member services team performed the same service that it would for any LifeLock member,” Davis said, adding that he had never lost of money as a result of the identity theft.

“I was saved many of hours of invaluable time, and my credit report has been corrected,” Davis said.

He said that some of the successful attempts were “not true identity thefts” but rather involved “false entries on my credit file to people with similar names but different addresses — clearly not me.”

We’re not sure whether “it only happened 13 times” will make an effective ad slogan.

But the main thing we’re wondering is how, at this point, anyone would trust LifeLock at all.

LifeLock and Davis kept the damaging facts about the identity thefts hidden from their customers — even after the Federal Trade Commission dinged the company $12 million for deceptive advertising.

But LifeLock didn’t merely fail to disclose crucial information about the quality of its identity theft “protection” service — as could have been predicted, it lied about Davis’ experiences identity theft. Until earlier this month, LifeLock’s Web site stated that Davis had only been a victim once. The company only removed these claims after inquiries from New Times.

After all that, Davis expects people to believe — without evidence — that he was victimized just 13 times, that “hundreds” of attempts to steal Davis’ identity have been thwarted, that he never lost money due to identity theft and that his credit report has been corrected. Does Davis offer copies of his credit reports from the last three years as proof? Not yet, anyway.

We’ll also be interested to see if Davis provides evidence that some of the 13 fraudulent accounts were “not true identity thefts.” But we won’t hold our breath.

Here’s a sample of some of the other blogs and publications mentioning New Times’ article this week:

Kim Zetter of Wired.com, who in 2007 reported Davis’ first experience as a victim of identity theft.

Media Matters for America, on how the LifeLock story reflects on right-wing commentator Glenn Beck

A comedic report on “Things To Do With Todd Davis’ Social Security Number,” which includes the unpolitically correct suggestion to “get hundreds of replacement Social Security cards printed. Go to the Mexico-Arizona border and hand them out to illegals crossing the border. Sorry to bother you, Senor Davis!”

Source: phoenixnewtimes.com 

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Life Lock – A corporation http://lifelockscam.com/life-lock-a-corporation/ http://lifelockscam.com/life-lock-a-corporation/#respond Wed, 14 Feb 2018 10:40:34 +0000 http://lifelockscam.com/?p=23

FTC MATTER/FILE NUMBER: 072 3069 – X100023
CIVIL ACTION NUMBER: 2:10-cv-00530-MHM
ENFORCEMENT TYPE: Federal Injunctions
FEDERAL COURT: District of Arizona

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