People in the North Country might be getting some money back in a settlement over an online credit protection company’s deceptive practices.

Attorney General Eric Schneiderman says his office obtained a settlement with Florida-based Profinity, LLC and Family Savings, for tricking consumers, including those in St. Lawrence County and across the state, into enrolling in programs without customer knowledge.

New York consumers who enrolled in Profinity’s Pro Credit membership program between December 15, 2011 and October 9, 2012 and paid $29.95 for their credit scores and reports from the three national credit reporting agencies will receive a full refund.

In addition, New York consumers who were enrolled in Profinity’s Family Savings, Pro Save & Protect, or Pro Credit membership programs since April 2010, or who purchased an upsell to Profinity’s Total Identity Protection membership program may submit a written complaint to the NYAG within the next six months to be considered for a refund.

Under the settlement, Profinity will provide total refunds of $150,000 to New York consumers who were charged unauthorized fees and will pay $100,000 in penalties, costs, and fees. Profinity has also agreed to reform its online marketing practices.

“Consumers, some of whom were simply seeking jobs or rental apartments online, were tricked into paying for services with monthly fees that they did not want or need,” said Schneiderman. “My office will aggressively investigate companies that scam New Yorkers out of their hard earned money through misleading Internet and phone offers.”

The Attorney General’s investigation found that Profinity deceptively marketed a variety of membership programs to consumers for a monthly fee. These programs purported to provide benefits such as grocery coupons, retail discounts, restaurant vouchers, magazine subscriptions, roadside assistance, legal referral services, tech support, identity theft protection, credit scores, and credit monitoring services. Consumers were frequently tricked into signing up for one or more of Profinity’s fee-based membership programs through misleading telemarketing calls promising “free gifts” and “risk free” trials.

Other consumers, who had purchased products from third-party companies, were misled into enrolling in Profinity’s membership programs during verification calls with the company’s representatives. On these calls, the company misled consumers into believing that the person they were speaking to was a representative of the original company from which consumers purchased products and that the purpose of the call was to verify their purchases. Instead, consumers were tricked into providing their credit or debit card information and then enrolled in one of Profinity’s fee-based membership programs.

In many cases, consumers were duped into enrolling in Profinity’s credit monitoring program by responding to deceptive advertisements placed by Profinity’s affiliate marketers for fictitious jobs, apartments, and government benefits on third-party websites such as Craigslist, which asked consumers to obtain their “free” credit score by clicking on an embedded hyperlink that led to Profinity’s enrollment page. Between December 15, 2011 and October 9, 2012, Profinity attempted to “upsell” consumers who enrolled in its credit monitoring program into paying an additional $29.95 to access their credit scores and reports from the three national credit reporting agencies. The two onscreen options for consumers to either accept or decline this offer were labeled in a confusing manner. Many consumers mistakenly chose the more prominent, brightly colored “Get All 3 Reports & Scores” upsell option and were immediately charged $29.95. Only consumers who chose the less prominent, “No Thanks. Proceed to my member Benefits” option received their free credit score and a free credit report.

Consumers often incurred monthly fees for several months without realizing that they had been enrolled in one of Profinity’s membership programs. Even after consumers noticed these charges on their credit or debit card statements, many consumers experienced difficulties cancelling these fee-based membership programs when they contacted Profinity. With respect to refunds, Profinity instructed its representatives not to “give them away like candy.”

Consumers who believe they may be entitled to a refund should notify the Attorney General’s office. Consumers can file a complaint online at www.ag.ny.gov. Consumers can also call the Attorney General’s consumer helpline at 1-800-771-7755.