I have a monitoring service through Experian. Every time I try to log in I have to navigate through unsolicited offers before seeing my credit file. On XXXX XXXX i logged in and try to view my product but clicked the wrong option and was charged XXXX. I immediately called in, explained what happened, said I did not want this product. The call center is in a non english speaking country so there is a language barrier. I was finally told I would receive a refund and would have access to the product I was charged for as it could not be undone. The refund would take the to XXXX days. I never received it back on my credit card. I called today, XXXX/XXXX/15 and was told the same thing. I have filed complaints with the XXXX and now the CFPB. My next step will be to file a fraud charge with my bank, XXXX. I just want my XXXX back, very simple.