EDebitpay - for Acclaim Credit Card ripoff 159.95 out of checking account and when i called their toll free number they were uncooperative and refused a refund when i said I did not authorize this from my account Beverly Hills, California

I would just like to start off by saying that I really do feel empathetic towards the individuals who were hurt by the result of the situation.

EDP Reporting and EDebitpay are not rip off companies and are very much legit. If these companies were at all frauds, they will not be in business today. The reason why these individuals find themselves in this situation is because they agreed to Terms and Conditions that they failed to read. Whenever you apply for a credit card, or even a bank account there are Terms and Conditions that may be tedious, but they need to be honored once they have been agreed to. Many people do not like to take the time and read these said Terms and Conditions because they find it very boring. Unfortunately, they end up finding themselves in situations that they have no clue how they got themselves into. I am sure many of us have been screwed over by our banks with those overdraft fees. Example: you have overdrawn your checking account by $1. The next day you find you owe $32. Why? Because your bank has a policy that states you will owe them $32 everytime you overdraw your account. How is it that they do this? They do it because you agreed to it when you opened up an account with them.

The same goes with EDP Reporting/EDebitpay. Consumers log on to these sites or receive these emails with a nice picture of a card with the Visa or MasterCard logos. The picture of the card itself says that it is a prepaid debit card. On the Terms and Conditions it says that it is a prepaid debit card that one needs to apply funds into in order to have funds available. Nowhere on the application does it claim to be a credit card. On the very first page of the application, before one starts to fill out their information, it says: "By completing this application you agree to the Terms and Conditions and the Privacy Policy." Terms and Conditions and Privacy Policy are both links that need to be clicked on in order to view them. On the second page of the application where you provide your DOB, SSN, and banking info it states that by competing this application you authorize the debit of $159.95 to be withdrawn from your bank account for the one-time application and processing fee for the prepaid debit card. The application provides a box that says you have read, agreed, and understand the Terms and Conditions; and this box needs to be checked off before submitting to the next page. If this box is not checked off then it does not let you proceed.

Also, on the Terms and Conditions it is stated what the refund policy is. The Refund policy states that cancellation requests made more than 3 business days from the date you submit your online application will not receive any refunds. If you do contact us within 3 business days you will be refunded for the processing fees, but not the application fee.

I do understand people make mistakes but these applications and Terms and Conditions are legal binding contracts, just the same as the contracts the banks have.

In matters of fraud, EDP Reporting has no shame to have the police involved and helping to apprehend any criminals who have in fact commited acts of fraud involving their company.
The last thing I would like to say is that the address provided on this website for EDP Reporting is not real. I am afraid that this site may lead already upset consumers into thinking that EDP Reporting resides in Beverly Hills and they are a wealthy company since they have been "ripping people off."

My time with EDP Reporting helped me learn alot about the importance in reading anything and everything that I may sign my name or any of my personal information on. If everyone read everything they are agreeing to we will all find ourselves very happy people since we will know exactly what to expect.

Thank you for taking the time in reading my rebuttal.

After reporting this to the BBB (Better Business Bereau)of California, I received notification on the BBB site where Edebitpay says they would refund as a "business courtesy" $159.00. My response was why didnt I get that same courtsey when I called them. Anyway, A check from Edebitpay for that amount came today. But if a lesson is learned at all...its becareful of these online sites and pay extra attention to what you do or do not type while reading these sites.

After reporting this to the BBB (Better Business Bereau)of California, I received notification on the BBB site where Edebitpay says they would refund as a "business courtesy" $159.00. My response was why didnt I get that same courtsey when I called them. Anyway, A check from Edebitpay for that amount came today. But if a lesson is learned at all...its becareful of these online sites and pay extra attention to what you do or do not type while reading these sites.

In doing some research, it seems that Four oaks bank and trust from North Carolina is associated with the cards being pushed by EDebitpay...

other information:

Current Registrar: INTERCOSMOS MEDIA GROUP, INC. D/B/A DIRECTNIC.COM
IP Address: 216.150.13.94 (ARIN & RIPE IP search)
IP Location: US(UNITED STATES)-GEORGIA-SNELLVILLE
Record Type: Domain Name
Server Type: IIS 6
Lock Status: ACTIVE
Web Site Status: Active
DMOZ no listings
Y! Directory: see listings
Web Site Title: EDPReporting.com | We're here to help
Secure: No
E-commerce: No
Traffic Ranking: 2
Data as of: 14-Jun-2005

there is more to this i believe. This information can be found at
http://www.networksolutions.com/whois/results.jhtml;jsessionid=QLAKJ12HSVHBKCWKEAQCFEY?whoistoken=0&imageKeyPage=/whois/entry.jhtml&_requestid=290403