• Report: #261250

Complaint Review: EDP Reporting - EDP Technologies Corporation

  • Submitted: Mon, July 16, 2007
  • Updated: Mon, July 16, 2007

  • Reported By:Charleston Illinois
EDP Reporting - EDP Technologies Corporation
5301 Laurel Canyon Blvd. Suite 132 Valley Village, California U.S.A.

EDP Card - EDP Reporting - EDP Technologies Corporation They stole $159.95 from my checking account and when I asked for a refund they treated me like I was an idiot and didn't know what I was doing. ripoff Valley Village California *EDitor's Suggestions on how to get your money back into your bank account!

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An electronic check showed up on my bank statement for $159.95. I had no idea what it was and a check had bounced because of a lack of funds, which wouldn't have happened if I had known about the $159.95 being taken from me. So I went to the bank and asked for info about the transaction. They gave me a copy of the electronic check which had a phone number on it. I called the number but got no answer. Instead, an automated voice told me to go to edpreporting.com.

I did so immediately and sent an email asking for a refund because I did not authorize the transaction. Over the next several days, I emailed back and forth with a guy named Eddie Banks who claimed that I had indeed authorized this transaction and that they had the electronic signature to prove it so I was not eligible for a refund.

I went back to my bank and told them what happened but so far have not heard if they have been able to do anything about it or not. I am very very upset because I had 2 checks bounce and was charged $50 in overdraft fees, which the bank returned to me, but now I am short $159.95 and am unable to pay my credit card bill in time which leaves me stuck with a bounced check fee and a late fee from Citibank totaling $78!

I am especially upset for the way "Eddie Banks" treated me in his emails, talking down to me as if I was stupid for not knowing I had agreed to be robbed of my money and patronizing me with phrases like "If you had read what you signed you would know..." He just didnt grasp the fact that I had never read, signed, or authorized a single thing and no clue who/what this EDP company was. This had added a great deal of stress and financial difficulty to my life and I need it to be resolved immediately.

Charleston, Illinois

EDitor's Suggestions on how to get your money back!


Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.

According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.

If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.

Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!


Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.

And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.

Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.


If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.

Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.

And good luck Let us know how you do!

ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com

Don't let them get away with it.
Make sure they make the Rip-off Report!

We are not lawyers.
We are not a collection agency.

We are Consumer Advocates.
...the victims' advocate

WE are Civil and Human Rights Activists

We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers

CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.

This report was posted on Ripoff Report on 07/16/2007 06:35 PM and is a permanent record located here: http://www.ripoffreport.com/r/EDP-Reporting-EDP-Technologies-Corporation/Valley-Village-California-91607/EDP-Card-EDP-Reporting-EDP-Technologies-Corporation-They-stole-15995-from-my-checkin-261250. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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