I Card Services AKA Jay Thomas AKA positivecreditbuilder AKA Four Oaks Bank & Trust ripoff dishonest Fraudulent billing, Deceptive marketing, Fort Lauderdale Florida

Some one has to stop Jay Thomas, icard services, Credit Builder program, Four oaks Bank & Trust .

Misrepresentation of services. Deducting fees more then once a month. Not providing services for fees. In October 2005 I signed up for a credit builder program thru icard services, the services agree to report payments on time each month to the three major credit reporting bureau for a service fee of $29.95 per month automatically deducted from you bank account. Also a charge of $99 fee to start the program. I noticed in December 2005 that my payments had not been reported to Experian, Transunion & Equifax.

I then called icard Service and asked the why the reporting has not yet started. The representative to till February 2006 before I inquired back to them. I spoke to a Ray David an India speaking man and explained to him why the reporting yet hasn't started. He put me on hold came back on the line and asked me a series of questions. He then put me on hold for a while and came back on the line and told me that I needed to call EDP Reporting services at 800 430-0672 in ask them why the reporting hasn't started yet.

I asked him why I have to inquire to another company for this information when I pay icard services the money every month. He told me this is the only way. So I called EDP Reporting services at 800 430-0672 at exactly 9am when they open for business and I was put on hold waiting for assistance for a period of 25 minutes when the automatic phone system said they were experiencing a high volume of calls and told me to go to their website at www.edpreporting.com to get help and then the call was disconnected.

I then tried several more times getting the same outcome. I then proceeded to www.edpreporting.com from there I typed in my situation explaining my problem to the LIVE chat window, when I sent the message it deleted the message and told me to email them instead. I then called icard services again waiting on hold and eventually being help by the same person the first time I called, his name he said was Gabe Shaw not Ray David. He started to stutter saying that he wasn't Ray David. Who knows who is telling the truth?

I then told him that ADP reporting has no way of being contac6ted. He told me to call and talk to a Velia at 800 430-0672. I told him that this was impossible since no one answers their phones. He then put me on hold for 15 minutes and came back and said that this is the only way to get my information. I then gave up and check the BBB for what its worth this company has a long list of complaints.

So I proceeded to contact Wells Fargo to cancel this program from deducting anymore of my hard earned money. Unfortunately my bank can only investigate back 60 days. Most people will wait several months before they figure this out. They took $250 from me and I received nothing, except a head ache and lost time. I hope someone puts a stop to this company's stealing.

Icardservices
625 South Rockford (866) 630-3757
Tempe, AZ 85281

Icardservices
2545 E. Sunrise Boulevard #225 (866) 630-3757
Fort Lauderdale, FL 33304

(866) 630-5737

Troy
Irvine, California
U.S.A.

STOP! ..before you think about using the Better Business Bureau (BBB)... CLICK HERE to see how other consumers were victimized by the BBB's false or misleading information. Don't be fooled! It has been reported, when there are thousands of complaints and other investigations underway by authorities, the BBB has no choice but to finally give an UNsatisfactory rating to a BBB member business that is paying the BBB big membership fees every year. When a business is reported that is NOT a BBB member, BBB files WILL more likely show an UNsatisfactory rating, then reportedly shake down that company to become a member of the BBB. One positive thing about the BBB is, either way, if a business has an unsatisfactory rating with the BBB, you can be sure, the business is bad. But what about all those BBB member businesses that had complaints filed against them? Consumers never get to hear about them. What about the BBB advertising to the public? Is this a false and misleading perception they are giving about “consumer confidence” when dealing with a business? Click here to understand more of what consumers and business alike are saying about the BBB. You decide. ..Remember. The BBB membership is not earned, it's paid for!