I recently had $159.95 taken out of my checking account without my authorization from this fraud company. I spent hours on the phone trying to contact them, most of the time on hold. I finally went through my bank and viewed the backside of the draft. There was a phone number for the bank Edebitpay deposited my money into. I called them and the nice lady gave me the extension 119 to use when I called back on Edebitpay's toll free number. I finally had a chance to speak with a live person on the phone. She was very rude and insisted the only way they could take money from me was if I went to the second page of their application site on the web. This automatically authorizes the withdrawal. I let her know I had no need for a worthless card and I don't toss my money away. I know exactly what I apply for and I read all the terms and conditions. I never filled out their application. She kept saying she had my IP address and personal information showing I applied for the card. Well, here is what really happened. In December of 2005 I was on line trying to find a low rate credit card to consolidate my other ones. I did fill out an online application at a completely different site than the one she told me I used. The one I filled out wanted my routing number and account number and specifically stated I would not be charged, they only need the information for if I was approved and it would be a means to pay my monthly bill. From there I believe they steal our information and plug it into their scam site showing we ordered this bogus card that is absolutely worthless. They give you a $10 credit on it to make you feel better. It does nothing for your credit and you have to pay fees to load money on it. $160 worth of garbage. I would love to see everybody who feels they were scammed by this company ban together and hire one outstanding lawyer to set them straight? I did call my bank and report the fraud instantly, I am in the process of trying to get my money back and I won't let off until this fraud is stopped. Email me with your thoughts email@example.com.