After trying desperately to obtain a small personal loan online, and entering into one of many blockades was "SuperEliteOffer.com". The site is not explanatory, and very misleading. Instead of going to directly to the application for a loan, this site takes a person to 2 different types of channels before you can even imagine filling out a form for a loan. After reading this application, it's for select credit direct, which is also Edebitpay. I immediately emailed the company, explaining in my email this was not an offer I needed. To my surprise on May 8th (2008), I received a phone call @ 7:06pm, florida time. The person calling was from Edebitpay. Of course the normal ritual of any company is to verify your information, email, address, bank account number and so forth. Which I did. The person claimed my application did not go through and my bank account would not be debited for $99. $99 is the processing fee. After looking at my bank information online on May 16th, I found out my account was still debited $99 along with a service fee of $15 on May13th. I immediately called Starter Credit Direct (EDP) from the number listed on the draft check. "Not to my surprise" they had no record of me even being spoken with on May 8th, and the person who claimed to have been a supervisor did'nt even exist! After going around and around in circles with another person claiming to be a supervisor, they finally agreed to fax me a cancellation & refund form. Sounds easy.....wrong! The fax went through to my bank. The bank senior rep, a 2nd rep, and myself proceeded to call Edebitpay. EDP claimed they had'nt recieved any funds from my account yet, even though my account had been debited electronically. They claimed the refund would take maybe up to 30 days or more to return the funds taken from my account! So of course, as a consumer, this was unacceptable. I returned home to continue to do my own research into this scam company and their bank. On the draft check their bank is supposively Westside Bank. I called the bank, and was told this company is not affiliated with them. The check number on the draft is fake. Westside Bank would be more than happy to clear up this humiliating matter as long as they receive an unauthorized draft withdrawal form from my bank, the copy of bank check draft and of course again my information. Once again I returned another phone call to Edebit. After explaining the findings of everything involving their company, the representative hung up on me. A few minutes later, the same Rep. returned my call. She then nervously explained Edebit would send me a full refund in the mail.... supposively. I havent yet to receive anything from either company. I am also one of many to say, "Scams exist! from the companys we have allowed to stay in business"
palm bay, Florida