• Report: #165873

Complaint Review: EDebitPay

  • Submitted: Sat, November 26, 2005
  • Updated: Wed, January 18, 2006

  • Reported By:Poughkeepsie New York
EDebitPay
12027 Talus Place Beverly Hills, California U.S.A.

EDebitPay Ripoff, Fraund. Beverly Hills California *EDitor's Suggestions on how to get your money back into your bank account!

*Consumer Suggestion: Vanessa - Customer service? If you don't want it ,,, You don't want it?

*UPDATE Employee: EDEBITPAY REBUTTAL PROOF OF AUTHORIZATION

*UPDATE Employee: EDEBITPAY REBUTTAL PROOF OF AUTHORIZATION

*UPDATE Employee: EDEBITPAY REBUTTAL PROOF OF AUTHORIZATION

*UPDATE Employee: EDEBITPAY REBUTTAL PROOF OF AUTHORIZATION

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About three weeks ago I noticed a $159.95 charge on my checking account EDP. The company who put this pre-authorized charge through was unfamiliar to me so I contacted them through their 1800 number. After several fruitless attempts to reach them I checked my previous month bank records and noticed that they had tried to put the same charge through the previous month. This charge had been reversed by my financial institution. I called several more times before I reached an associate who was not helpful at all. She claimed that I had ordered the card through an internet site. I told her that I did not have any recollection of this. I however folded and told her to send the card. I then checked my e-mail and saved receipts and could not find any records of this transaction. I then called them back and told them that I did not receive the card and that I wanted them to cancel the account. We agreed that the associate would not send me the card and that she would sent me a fraud investigation report. Instead I received the debit card in the mail. My financial institution also was not very helpful. I would like to know how to get my $159.95 back and what I can do to prevent something like this to happen to me again.

Thank you for your help.

Christina
Poughkeepsie, New York
U.S.A.

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

HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:

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!

DO NOT TAKE NO FOR AN ANSWER!

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.

CHARGES TO YOUR CREDIT CARD

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
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.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 11/26/2005 09:16 AM and is a permanent record located here: http://www.ripoffreport.com/r/EDebitPay/Beverly-Hills-California-90210/EDebitPay-Ripoff-Fraund-Beverly-Hills-California-EDitors-Suggestions-on-how-to-get-you-165873. 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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#1 Consumer Suggestion

Vanessa - Customer service? If you don't want it ,,, You don't want it?

AUTHOR: Frank - (U.S.A.)

Thanks for the lenghty "cut and paste" company answer to your many, many, many complaints. They are invalid due to the fact it is obvious the information is coming from another source like ,,, ohhhhh I don't know...? Ameriloan or some other plug and play "put your routing number into" site? Answer two questions on your own... Would you order a debit card for $159.95 with no credit advantage; one you have to pay fees to load money on? Most of the people you have hit have little or no money to afford the card in the first place; is this your target? How many of your family memebers would you sell this card to? Do the right thing and avoid the perception of deception, refund the money for the individuals who really do not believe they ordered or want the card and change the web site (terms) to allow 30 days to cancel,,,, A decent time frame after the money is taken by surprise? Gee... No more "valid" complaints ? Even gives consumers the chance to activate the card? I'm sure "Visa and Mastercard **complaint**" would agree?

Point - Case - Check Mate~
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#2 UPDATE Employee

EDEBITPAY REBUTTAL PROOF OF AUTHORIZATION

AUTHOR: Vanessa - (U.S.A.)

EDP Reporting, LLC
We strive to provide you friendly and efficient Support

Dear Rip-Off Report.com

We are EDP Reporting a Customer Support Center - It has come to our attention that our name and that of companies we support have been posted on your website. As you are aware there are two sides to every story; if someone has experienced a charge there is ONLY ONE WAY FOR THAT TO HAPPEN An online application was submitted fully authorized for the charge and agreed to the terms and conditions. Your visitors should know for security the IP addresses of the computers where the application proof of authorization are being submitted are captured and can be traced back to the exact location and computer.

The online application is divided into 2 separate screens. Requiring each screen to be completed, authorized and agreed to by the applicant. You can not go to the next screen before acknowledging that you've read the terms and conditions which state the one time fee would come out of the bank account entered shortly after it has been submitted. Before filling anything out the first screen gives all the information about the product allowing the customer to make an educated decision whether or not to apply for the product /service.

The companies we support even go the extra mile and capture the IP address of the computer where the application was submitted. If the individual being charged believes it to be FRAUDULENT we as a support center turn the application with the IP address of the computer it came from over to the POLICE to investigate and for us to cooperate in apprehending the criminal(s). FRAUD IS A CRIME PUNISHABLE BY LAW and we will cooperate with law enforcement in such an event. As you can see as a support center we have to honor and uphold the TERMS & CONDITIONS agreed to and authorized by our customer not just once but two times on the application.

The application is not one little button or just one screen but two screens so if someone takes the time to sit in front of their computer and enter in two screens worth of information and submits it fully authorized then the companies we support have to believe the person submitting it was aware of what they were applying for and agreeing to. Further more, Companies that are truly FRAUD would do everything in their power to keep their information hidden from the public and not display it on the application sites like we do but because of the type of Customer Support Center that we are and how confident we feel about the companies we work for, we do have our information on the app sites. Also, our customer support number appears next to the charge on the customers bank account statement.

In the event of FRAUD, we are sure if someone is truly a victim of FRAUD they would allow us to work with their law enforcement to punish the criminals and not let them get away. For that reason we would be happy to speak to the one or two individuals that feel our support center has not been helpful and encourage them to contact us as we will not hesitate to speak to their local law enforcement agency and punish the criminal(s). Once again a FRAUDULENT company would not assist with this let alone encourage for law enforcement to be involved but again that shows you the type of customer support center we are.

We are a busy support center and for that reason offer several ways for our customers to contact us and not just one by visiting www.edpreporting.com. Our Customer Support Representatives are well versed and fully qualified to assist through all the available means of communication to our support center. All of our Customer Support Staff assist the customer by stating the facts and offering their assistance based on the Terms and Conditions the customer themselves has authorized. All of our Customer Support Staff are fully trained on the products we support and are aware that on occasion a customer who didn't hear what they wanted from us considers that the support given is unacceptable but when there is proof of authorization and we have delivered the information in an adequate manner that is what customer service is all about. We have to support based on the facts and nothing but the facts.

Our Customer Support Representatives and Staff are always ready and willing to provide support to all who contact us. We look forward to assisting the one or two customers who have postings on this site and will still support them if after reading this they still feel fraud has happened. Please contact us and let us turn the proof of authorization to your local police and lets work together to capture the criminal who has committed such a fraudulent act.

We hope you will make this information available to inform the visitors to your site the reality of our company As we do strive to provide friendly and efficient support. A reminder from our Customer Support Center to your website visitors, always read what you submit online because when you do submit and acknowledge you have read the information given such is the case with the Terms & Conditions we support, then you have to take responsibility for your actions. Always stop and read why you are entering sensitive information before you do anything online because when you do enter your bank account # such is the case with the applications we support, then you will know you are giving authorization for the fee to receive the product we support. Our Customer Support Center is aware, even after stating the facts about our customers online orders based on proof authorization that can be tracked to the computer were it was submitted, there will be some who consider our support unsatisfactory but as long as we provide the facts and we assist in a professional manner we are conducting ourselves accordingly. Thank you for allowing us the opportunity to tell our side and hope to be of service to any of your visitors in the future.


Sincerely,

Customer Service Department
EDP Reporting, LLC
"We strive to provide you friendly and efficient support"
www.edpreporting.com
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#3 UPDATE Employee

EDEBITPAY REBUTTAL PROOF OF AUTHORIZATION

AUTHOR: Vanessa - (U.S.A.)

EDP Reporting, LLC
We strive to provide you friendly and efficient Support

Dear Rip-Off Report.com

We are EDP Reporting a Customer Support Center - It has come to our attention that our name and that of companies we support have been posted on your website. As you are aware there are two sides to every story; if someone has experienced a charge there is ONLY ONE WAY FOR THAT TO HAPPEN An online application was submitted fully authorized for the charge and agreed to the terms and conditions. Your visitors should know for security the IP addresses of the computers where the application proof of authorization are being submitted are captured and can be traced back to the exact location and computer.

The online application is divided into 2 separate screens. Requiring each screen to be completed, authorized and agreed to by the applicant. You can not go to the next screen before acknowledging that you've read the terms and conditions which state the one time fee would come out of the bank account entered shortly after it has been submitted. Before filling anything out the first screen gives all the information about the product allowing the customer to make an educated decision whether or not to apply for the product /service.

The companies we support even go the extra mile and capture the IP address of the computer where the application was submitted. If the individual being charged believes it to be FRAUDULENT we as a support center turn the application with the IP address of the computer it came from over to the POLICE to investigate and for us to cooperate in apprehending the criminal(s). FRAUD IS A CRIME PUNISHABLE BY LAW and we will cooperate with law enforcement in such an event. As you can see as a support center we have to honor and uphold the TERMS & CONDITIONS agreed to and authorized by our customer not just once but two times on the application.

The application is not one little button or just one screen but two screens so if someone takes the time to sit in front of their computer and enter in two screens worth of information and submits it fully authorized then the companies we support have to believe the person submitting it was aware of what they were applying for and agreeing to. Further more, Companies that are truly FRAUD would do everything in their power to keep their information hidden from the public and not display it on the application sites like we do but because of the type of Customer Support Center that we are and how confident we feel about the companies we work for, we do have our information on the app sites. Also, our customer support number appears next to the charge on the customers bank account statement.

In the event of FRAUD, we are sure if someone is truly a victim of FRAUD they would allow us to work with their law enforcement to punish the criminals and not let them get away. For that reason we would be happy to speak to the one or two individuals that feel our support center has not been helpful and encourage them to contact us as we will not hesitate to speak to their local law enforcement agency and punish the criminal(s). Once again a FRAUDULENT company would not assist with this let alone encourage for law enforcement to be involved but again that shows you the type of customer support center we are.

We are a busy support center and for that reason offer several ways for our customers to contact us and not just one by visiting www.edpreporting.com. Our Customer Support Representatives are well versed and fully qualified to assist through all the available means of communication to our support center. All of our Customer Support Staff assist the customer by stating the facts and offering their assistance based on the Terms and Conditions the customer themselves has authorized. All of our Customer Support Staff are fully trained on the products we support and are aware that on occasion a customer who didn't hear what they wanted from us considers that the support given is unacceptable but when there is proof of authorization and we have delivered the information in an adequate manner that is what customer service is all about. We have to support based on the facts and nothing but the facts.

Our Customer Support Representatives and Staff are always ready and willing to provide support to all who contact us. We look forward to assisting the one or two customers who have postings on this site and will still support them if after reading this they still feel fraud has happened. Please contact us and let us turn the proof of authorization to your local police and lets work together to capture the criminal who has committed such a fraudulent act.

We hope you will make this information available to inform the visitors to your site the reality of our company As we do strive to provide friendly and efficient support. A reminder from our Customer Support Center to your website visitors, always read what you submit online because when you do submit and acknowledge you have read the information given such is the case with the Terms & Conditions we support, then you have to take responsibility for your actions. Always stop and read why you are entering sensitive information before you do anything online because when you do enter your bank account # such is the case with the applications we support, then you will know you are giving authorization for the fee to receive the product we support. Our Customer Support Center is aware, even after stating the facts about our customers online orders based on proof authorization that can be tracked to the computer were it was submitted, there will be some who consider our support unsatisfactory but as long as we provide the facts and we assist in a professional manner we are conducting ourselves accordingly. Thank you for allowing us the opportunity to tell our side and hope to be of service to any of your visitors in the future.


Sincerely,

Customer Service Department
EDP Reporting, LLC
"We strive to provide you friendly and efficient support"
www.edpreporting.com
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#4 UPDATE Employee

EDEBITPAY REBUTTAL PROOF OF AUTHORIZATION

AUTHOR: Vanessa - (U.S.A.)

EDP Reporting, LLC
We strive to provide you friendly and efficient Support

Dear Rip-Off Report.com

We are EDP Reporting a Customer Support Center - It has come to our attention that our name and that of companies we support have been posted on your website. As you are aware there are two sides to every story; if someone has experienced a charge there is ONLY ONE WAY FOR THAT TO HAPPEN An online application was submitted fully authorized for the charge and agreed to the terms and conditions. Your visitors should know for security the IP addresses of the computers where the application proof of authorization are being submitted are captured and can be traced back to the exact location and computer.

The online application is divided into 2 separate screens. Requiring each screen to be completed, authorized and agreed to by the applicant. You can not go to the next screen before acknowledging that you've read the terms and conditions which state the one time fee would come out of the bank account entered shortly after it has been submitted. Before filling anything out the first screen gives all the information about the product allowing the customer to make an educated decision whether or not to apply for the product /service.

The companies we support even go the extra mile and capture the IP address of the computer where the application was submitted. If the individual being charged believes it to be FRAUDULENT we as a support center turn the application with the IP address of the computer it came from over to the POLICE to investigate and for us to cooperate in apprehending the criminal(s). FRAUD IS A CRIME PUNISHABLE BY LAW and we will cooperate with law enforcement in such an event. As you can see as a support center we have to honor and uphold the TERMS & CONDITIONS agreed to and authorized by our customer not just once but two times on the application.

The application is not one little button or just one screen but two screens so if someone takes the time to sit in front of their computer and enter in two screens worth of information and submits it fully authorized then the companies we support have to believe the person submitting it was aware of what they were applying for and agreeing to. Further more, Companies that are truly FRAUD would do everything in their power to keep their information hidden from the public and not display it on the application sites like we do but because of the type of Customer Support Center that we are and how confident we feel about the companies we work for, we do have our information on the app sites. Also, our customer support number appears next to the charge on the customers bank account statement.

In the event of FRAUD, we are sure if someone is truly a victim of FRAUD they would allow us to work with their law enforcement to punish the criminals and not let them get away. For that reason we would be happy to speak to the one or two individuals that feel our support center has not been helpful and encourage them to contact us as we will not hesitate to speak to their local law enforcement agency and punish the criminal(s). Once again a FRAUDULENT company would not assist with this let alone encourage for law enforcement to be involved but again that shows you the type of customer support center we are.

We are a busy support center and for that reason offer several ways for our customers to contact us and not just one by visiting www.edpreporting.com. Our Customer Support Representatives are well versed and fully qualified to assist through all the available means of communication to our support center. All of our Customer Support Staff assist the customer by stating the facts and offering their assistance based on the Terms and Conditions the customer themselves has authorized. All of our Customer Support Staff are fully trained on the products we support and are aware that on occasion a customer who didn't hear what they wanted from us considers that the support given is unacceptable but when there is proof of authorization and we have delivered the information in an adequate manner that is what customer service is all about. We have to support based on the facts and nothing but the facts.

Our Customer Support Representatives and Staff are always ready and willing to provide support to all who contact us. We look forward to assisting the one or two customers who have postings on this site and will still support them if after reading this they still feel fraud has happened. Please contact us and let us turn the proof of authorization to your local police and lets work together to capture the criminal who has committed such a fraudulent act.

We hope you will make this information available to inform the visitors to your site the reality of our company As we do strive to provide friendly and efficient support. A reminder from our Customer Support Center to your website visitors, always read what you submit online because when you do submit and acknowledge you have read the information given such is the case with the Terms & Conditions we support, then you have to take responsibility for your actions. Always stop and read why you are entering sensitive information before you do anything online because when you do enter your bank account # such is the case with the applications we support, then you will know you are giving authorization for the fee to receive the product we support. Our Customer Support Center is aware, even after stating the facts about our customers online orders based on proof authorization that can be tracked to the computer were it was submitted, there will be some who consider our support unsatisfactory but as long as we provide the facts and we assist in a professional manner we are conducting ourselves accordingly. Thank you for allowing us the opportunity to tell our side and hope to be of service to any of your visitors in the future.


Sincerely,

Customer Service Department
EDP Reporting, LLC
"We strive to provide you friendly and efficient support"
www.edpreporting.com
Respond to this report!
What's this?

#5 UPDATE Employee

EDEBITPAY REBUTTAL PROOF OF AUTHORIZATION

AUTHOR: Vanessa - (U.S.A.)

EDP Reporting, LLC
We strive to provide you friendly and efficient Support

Dear Rip-Off Report.com

We are EDP Reporting a Customer Support Center - It has come to our attention that our name and that of companies we support have been posted on your website. As you are aware there are two sides to every story; if someone has experienced a charge there is ONLY ONE WAY FOR THAT TO HAPPEN An online application was submitted fully authorized for the charge and agreed to the terms and conditions. Your visitors should know for security the IP addresses of the computers where the application proof of authorization are being submitted are captured and can be traced back to the exact location and computer.

The online application is divided into 2 separate screens. Requiring each screen to be completed, authorized and agreed to by the applicant. You can not go to the next screen before acknowledging that you've read the terms and conditions which state the one time fee would come out of the bank account entered shortly after it has been submitted. Before filling anything out the first screen gives all the information about the product allowing the customer to make an educated decision whether or not to apply for the product /service.

The companies we support even go the extra mile and capture the IP address of the computer where the application was submitted. If the individual being charged believes it to be FRAUDULENT we as a support center turn the application with the IP address of the computer it came from over to the POLICE to investigate and for us to cooperate in apprehending the criminal(s). FRAUD IS A CRIME PUNISHABLE BY LAW and we will cooperate with law enforcement in such an event. As you can see as a support center we have to honor and uphold the TERMS & CONDITIONS agreed to and authorized by our customer not just once but two times on the application.

The application is not one little button or just one screen but two screens so if someone takes the time to sit in front of their computer and enter in two screens worth of information and submits it fully authorized then the companies we support have to believe the person submitting it was aware of what they were applying for and agreeing to. Further more, Companies that are truly FRAUD would do everything in their power to keep their information hidden from the public and not display it on the application sites like we do but because of the type of Customer Support Center that we are and how confident we feel about the companies we work for, we do have our information on the app sites. Also, our customer support number appears next to the charge on the customers bank account statement.

In the event of FRAUD, we are sure if someone is truly a victim of FRAUD they would allow us to work with their law enforcement to punish the criminals and not let them get away. For that reason we would be happy to speak to the one or two individuals that feel our support center has not been helpful and encourage them to contact us as we will not hesitate to speak to their local law enforcement agency and punish the criminal(s). Once again a FRAUDULENT company would not assist with this let alone encourage for law enforcement to be involved but again that shows you the type of customer support center we are.

We are a busy support center and for that reason offer several ways for our customers to contact us and not just one by visiting www.edpreporting.com. Our Customer Support Representatives are well versed and fully qualified to assist through all the available means of communication to our support center. All of our Customer Support Staff assist the customer by stating the facts and offering their assistance based on the Terms and Conditions the customer themselves has authorized. All of our Customer Support Staff are fully trained on the products we support and are aware that on occasion a customer who didn't hear what they wanted from us considers that the support given is unacceptable but when there is proof of authorization and we have delivered the information in an adequate manner that is what customer service is all about. We have to support based on the facts and nothing but the facts.

Our Customer Support Representatives and Staff are always ready and willing to provide support to all who contact us. We look forward to assisting the one or two customers who have postings on this site and will still support them if after reading this they still feel fraud has happened. Please contact us and let us turn the proof of authorization to your local police and lets work together to capture the criminal who has committed such a fraudulent act.

We hope you will make this information available to inform the visitors to your site the reality of our company As we do strive to provide friendly and efficient support. A reminder from our Customer Support Center to your website visitors, always read what you submit online because when you do submit and acknowledge you have read the information given such is the case with the Terms & Conditions we support, then you have to take responsibility for your actions. Always stop and read why you are entering sensitive information before you do anything online because when you do enter your bank account # such is the case with the applications we support, then you will know you are giving authorization for the fee to receive the product we support. Our Customer Support Center is aware, even after stating the facts about our customers online orders based on proof authorization that can be tracked to the computer were it was submitted, there will be some who consider our support unsatisfactory but as long as we provide the facts and we assist in a professional manner we are conducting ourselves accordingly. Thank you for allowing us the opportunity to tell our side and hope to be of service to any of your visitors in the future.


Sincerely,

Customer Service Department
EDP Reporting, LLC
"We strive to provide you friendly and efficient support"
www.edpreporting.com
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