• Report: #171094

Complaint Review: EDebitpay

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  • Submitted: Mon, January 09, 2006
  • Updated: Tue, February 21, 2006

  • Reported By:dubuque Iowa
EDebitpay
5301 Laurel Canyon, Suite 132 Vally Village, California U.S.A.

EDebitpay Ripoff, Fake Advertising, Vally Village California

*UPDATE Employee: WE OUR NOT A LOAN OFFICE WE DO NOT GIVE LOANS

*Consumer Suggestion: Five Good Points About This Edebitpy Scam Cheat Fraud

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On December 5, 2005 I was on the internet looking up cheap loans, I saw a company that said ENTER YOUR INFORMATION AND YOU WILL GET AN AMOUNT, what I didnt know was you were buying a $159.95 DEBIT CARD and after you buy it you might be offered a loan. I was just trying to see how much of a loan I could get I probably wasnt even going to get one any way just curious how much I could get.

After a day or two I went to the bank to get a checking statement and when they gave it to me it said I had -$85.00 I that WHAT there is no way im negative, then I looked at the statement and it said I purchased a DEBIT CARD for $159.95 and after I got 5 overdraft charges it put me negative. After that they gave me a 1800 number to call (1800-430-0672) I called that and never got a response, I called and it told me to wait 5 mins later it said "were to busy bye bye." So I called back severel times never got a response.

What I did----(TALKED TO A SUPERVISOR)I called my bank and told them NICELY that I saw a check on my statement that I did not authorize you to take out. Then I told them I saw reports on the internet that there was a scam with this company. Then I told them I tried the 1800 number for 2 weeks straight 1-2 hours a day and could not get threw (the number the bank put on the check.) After I told them that they suprisingly said you will receive credit on your next check statement.

If you have any questions please email me at (email deleted - see below)

Corey
dubuque, Iowa
U.S.A.


CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

This report was posted on Ripoff Report on 01/09/2006 04:56 PM and is a permanent record located here: http://www.ripoffreport.com/r/EDebitpay/Vally-Village-California-91067/EDebitpay-Ripoff-Fake-Advertising-Vally-Village-California-171094. 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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REBUTTALS & REPLIES:
0Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE Employee

WE OUR NOT A LOAN OFFICE WE DO NOT GIVE LOANS

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

THERE IS ONLY 1 WAY FOR A CHARGE TO HAPPEN WE HAVE THE PROOF OF AUTHORIZATION FOR PREPAID DEBIT CARD: COREY ordered online. The application was submitted fully authorized for the charge & agreed to the terms & conditions. The application is divided into 2 separate screens. The companies we support are regulated, monitored & compliant, the app is purposely 2 screens (not just 1 or 1 button) to discourage an applicant that doesn't agree & authorize the one time fee, terms & conditions from submitting. Requiring each screen to be completed, authorized & agreed to by the applicant. You can not go to the next screen before acknowledging you've read the terms & conditions which state the one time fee would come out of the bank account entered. Before filling anything out the first screen gives all the information about the prepaid card allowing the customer to make an educated decision whether or not to apply for the prepaid card 2 part application.

As a support center we recommend to COREY before acknowledging having read terms & conditions take the time to actually read them & before entering personal info like banking info to understand what fee is being authored.

Our Websites are very clear that $159.95 will be deducted from the consumer bank account. This statement is not buried in a page long Terms and Conditions. Our Websites states, in very simple terms, that this is NOT a Credit Card but a Debit Card. Customers can load their own funds onto the debit cards and use them wherever Visa Mastercard is accepted. All the language and set up on our websites have been approved by Visa and Mastercard, which have very stringent security parameters.
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#2 Consumer Suggestion

Five Good Points About This Edebitpy Scam Cheat Fraud

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

Point number one Edebitpay and it's robots who answer the phone cut and paste all of their answers. On the phone, live chat or emails all of them suggest you file a fraud report. Who profits from a fraud? The one who gets the money! Did you fraud yourself? Did somebody else who has nothing to gain sit up late at night on the computer and steal your information so Edebitpay could cash your $159.95 check? No, No, No They have a system where they get your information and fraudulently take your money.

Point number two How many of you need a debit card that cost you $159.95 and you have to load it with your own money? Keep in mind you only get $10 of the $159.95 credited to the card and it cost you more to load more. There is no credit advantage with this card! If somebody came up to you on the street or called you on the phone and gave you all the details of this card would you authorize them to take $159.95 out of your account? No, No, No. They have a system where they get your information and fraudulently take your money.

Point number three Somewhere in the masses of their cut and paste answers they tell you funds are already being charged to VISA/MASTERCARD Complaint and they can not refund you Are they bold enough to say these huge company trade mark icons would rip you and me the little person off? Yes they are! Notice how they put the word complaint at the end of VISA and MASTERCARD? Subliminal message going on there?

Point number three Do you really believe they have a big business office in Valley Village California? The terms and agreements state you have to file legal complaints in SC? You will probably find a PO Box in VV California? This is a well thought out scam that would take lots of investigation hours to uncover. Read everything on all their websites and the bogus application site; lots of mystery!

Point number four Don't ever give up Take an hour a day to file complaints with all the media you can find. Hit up the FBI, FTC, BBB, your bank's fraud department and all Web Site complaint avenues. Don't forget the DA offices falling in the local areas of their company addresses. If enough people like you and me stand up for what we believe in we can stop this scam!

Point Five Any business on this planet should have some sort of customer service chain of supervision? To be told by the first representative you speak with there is no way for you to dispute your claim is an obvious scam. They are obviously trained on how to answer our questions due to the fact they receive hundreds and hundreds of calls wondering why they are cheating people. How many of you would set up a company where you cash check after check even though most of them are being disputed without a conscience? How do they spend the money without hurting deep inside? Can they all be that rotton? Does greed really effect people in this way. None of my friend or family members would ever consider working for a company like this.

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