• Report: #171011

Complaint Review: Edebitpay - Ameriloan

  • Submitted: Mon, January 09, 2006
  • Updated: Thu, March 30, 2006

  • Reported By:ashland Kentucky
Edebitpay - Ameriloan
5301 Laurel Canyon Blvd. Suite 132 Valley Village, California U.S.A.

Edebitpay - Ameriloan ripoff me off by taking money out off my accont with out my ok. Valley Village California *EDitor's Suggestions on how to get your money back into your bank account!

*Author of original report: ameriloan is a rip off place

*Author of original report: Yes I got my money back

*UPDATE Employee: DID YOU GET YOUR REFUND YES OR NO

*Author of original report: Yes I know you all need to take responsibiliity

*UPDATE Employee: IT'S NOT A QUESTION OF WHO'S BEING TRUTHFUL OR NOT

*Author of original report: THIS IS FOR EDEBITPAY

*Author of original report: THIS IS FOR EDEBITPAY

*Author of original report: THIS IS FOR EDEBITPAY

*Author of original report: THIS IS FOR EDEBITPAY

*UPDATE Employee: I DON'T KNOW WHERE YOU GET YOUR INFORMATION BUT BELIEVE ME ITS INCORRECT

*UPDATE Employee: I DON'T KNOW WHERE YOU GET YOUR INFORMATION BUT BELIEVE ME ITS INCORRECT

*UPDATE Employee: I DON'T KNOW WHERE YOU GET YOUR INFORMATION BUT BELIEVE ME ITS INCORRECT

*UPDATE Employee: I DON'T KNOW WHERE YOU GET YOUR INFORMATION BUT BELIEVE ME ITS INCORRECT

*Author of original report: This is for the people of edp reporting

*Author of original report: Thanks rip-off report.com I could not done this with out you your friend Eric

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My name is Eric I went to my bank on the 3 of jan, and found out that Edebitpay took 159.95 out of my accont with out my say so.

Well what I was told at the bank this was not the first time they tryed to get the money out of my accont on the 27 of dec,05.

Well the funny thing is that I sign up for Ameriload on the 24 of dec, 05 just 3day before they tryed to take money out of my accont for a prepaid debit card. Why would I want a prepaid debit card we I have one bank's give them to you.Thats what I told them in the email I wrote to Edebitpay they told me that people do stuff like that alot but if it is a case of fraud we will do are best to make things right but they told me I need a police report and a bank statment before they could think about give me my money .

But it is weird that Ameriloan and Edebitpay are in they same place and have bad reports and are the same way on the phone you call and in 5mins it is cut off no one picks up.

Eric
ashland, Kentucky
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
[email protected]
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 01/09/2006 04:27 AM and is a permanent record located here: http://www.ripoffreport.com/r/Edebitpay-Ameriloan/Valley-Village-California-91607/Edebitpay-Ameriloan-ripoff-me-off-by-taking-money-out-off-my-accont-with-out-my-ok-Vall-171011. 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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REBUTTALS & REPLIES:
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Updates & Rebuttals

#1 Author of original report

ameriloan is a rip off place

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

I to took a loan for 150 in dec 2005 and they gave my info to other companys and they to took money out my bank with out my say so. so I say if ameriloan what to f**k around so can I and tell ever thing is fix they what see a dollar from me I had edpay take money out of my bank
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#2 Author of original report

Yes I got my money back

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

yes I got my money back but not until I asked you all if you all worked with or was in with ameriloan and after that the money was back in my accont. so you tell me who is lieing hear if it took 1 week to get a hold of you all to tell me to file a report witch I did not do and to tell you I know what you are all doing and to bring up ameriloan and then 4 hours later get my money back you tell me who the scam artis is now .....
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#3 UPDATE Employee

DID YOU GET YOUR REFUND YES OR NO

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

Quite frank I'm not sure of what your trying to say for the simply fact that maybe the spelling isn't correct or I just don't understand.

Thank- You anyways
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#4 Author of original report

Yes I know you all need to take responsibiliity

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

you all need to stop the BULL CRAP lieing plz and just tell The truth because every body know's about you all it is funny you all got a 'F' rating by the BBB in CA so plz stop lieing I have so much info on you all so stop the lieing and when you all stop the lieing the truth well sit you free.
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#5 UPDATE Employee

IT'S NOT A QUESTION OF WHO'S BEING TRUTHFUL OR NOT

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

THE FACT OF THE MATTER IS THAT WE DO STRIVE TO PROVIDE YOU FRIENDLY EFFICIENT SUPPORT.
THEREFORE IF SOMEONE HAS FRAUDENTLY USED YOUR COMPUTER AT HOME OR IF YOU DIDN'T REALLY UNDERSTAND WHAT YOU MAY HAVE READ WHEN APPLYING FOR THE PREPAID DEBIT CARD ITS ALL UNDERSTANDABLE AND WE JUST TRY TO OFFER OUR HELP BY INVOLVING YOUR LOCAL POLICE DEPT. NOW DOES THAT SOUND LIKE WE'RE TRYING TO LIE OR HIDE ANYTHING. BELIEVE IT OR NOT ERIC IT'S CALLED GOOD BUSINESS WITH NOTHING TO HIDE AND PROVIDING CUSTOMER SERVICE SATISFACTION BASED ON THE TERMS AND CONDITIONS PROVIDED.
ONE MUST BE WILLING TO TAKE RESPONSIBILITY FOR THEIR ACTIONS AS WELL.
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#6 Author of original report

THIS IS FOR EDEBITPAY

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

I am reply to edebitpay sorry but I never sign agrement with you all for a prepaid debit card why would I. I get a free one from the bank and if I did agreed to your all's terms why did I get my money back after asking you all if you where or working with Ameriloan and when I did in about 4hours I got my money so I guess you all got busted for your all scamms so That should tell everyone who is lieing hear so for now bye bye and stop lieing to people please stop your you all will get busted.....
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#7 Author of original report

THIS IS FOR EDEBITPAY

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

I am reply to edebitpay sorry but I never sign agrement with you all for a prepaid debit card why would I. I get a free one from the bank and if I did agreed to your all's terms why did I get my money back after asking you all if you where or working with Ameriloan and when I did in about 4hours I got my money so I guess you all got busted for your all scamms so That should tell everyone who is lieing hear so for now bye bye and stop lieing to people please stop your you all will get busted.....
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#8 Author of original report

THIS IS FOR EDEBITPAY

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

I am reply to edebitpay sorry but I never sign agrement with you all for a prepaid debit card why would I. I get a free one from the bank and if I did agreed to your all's terms why did I get my money back after asking you all if you where or working with Ameriloan and when I did in about 4hours I got my money so I guess you all got busted for your all scamms so That should tell everyone who is lieing hear so for now bye bye and stop lieing to people please stop your you all will get busted.....
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#9 Author of original report

THIS IS FOR EDEBITPAY

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

I am reply to edebitpay sorry but I never sign agrement with you all for a prepaid debit card why would I. I get a free one from the bank and if I did agreed to your all's terms why did I get my money back after asking you all if you where or working with Ameriloan and when I did in about 4hours I got my money so I guess you all got busted for your all scamms so That should tell everyone who is lieing hear so for now bye bye and stop lieing to people please stop your you all will get busted.....
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#10 UPDATE Employee

I DON'T KNOW WHERE YOU GET YOUR INFORMATION BUT BELIEVE ME ITS INCORRECT

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: ERIC ordered online for a prepaid debit card. 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 (ERIC OF ASHLAND KY) 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.
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#11 UPDATE Employee

I DON'T KNOW WHERE YOU GET YOUR INFORMATION BUT BELIEVE ME ITS INCORRECT

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: ERIC ordered online for a prepaid debit card. 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 (ERIC OF ASHLAND KY) 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.
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#12 UPDATE Employee

I DON'T KNOW WHERE YOU GET YOUR INFORMATION BUT BELIEVE ME ITS INCORRECT

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: ERIC ordered online for a prepaid debit card. 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 (ERIC OF ASHLAND KY) 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.
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#13 UPDATE Employee

I DON'T KNOW WHERE YOU GET YOUR INFORMATION BUT BELIEVE ME ITS INCORRECT

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: ERIC ordered online for a prepaid debit card. 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 (ERIC OF ASHLAND KY) 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.
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#14 Author of original report

This is for the people of edp reporting

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

tell everybody how you all are in with ameriloan/payday/credit report tell them that this company are with you all if not with you then selling everybodys info to you all belive me I know the truth a so will everybody esle will.....your friend eric
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#15 Author of original report

Thanks rip-off report.com I could not done this with out you your friend Eric

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

I have good news I got my money back from edebit pay llc on the 10th of jan 2006 I had to do a lot of look up on these place and go to the bank and called BBB in Calif and report to the FCC so on the 10th I got a hold of edebitpay llc and the ladied told me I had to file a report before they would give me my money and if my IP address was the one the order came from I would not get it but be for we got done talking I told the lady that I have called the BBB in calif on them and the BBB told me you all had a "F" rating and went to the bank and made a report and to the FCC and made the report the same day about 5hours later I got my money in my accont the dum news is that the cop told me if they had my address then somebody here gave it to them I told he that was not true but forget that I am happy to get my money and report the fraud edebitpay Llc and I hope these helps someone out.
Thanks rip-off report.com I could not done this with out you your friend Eric
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