• Report: #178601
Complaint Review:

EDP Reporting

  • Submitted: Tue, February 28, 2006
  • Updated: Wed, March 01, 2006

  • Reported By:mcdonald Pennsylvania
EDP Reporting
5301 Laurel Canyon Blvd. Suite 132 Valley Village, California U.S.A.

EDP Reporting - EDebitpay - Acclaim Visa ripoff fraudulant charges Valley Village California *EDitor's Suggestions on how to get your money back into your bank account!

*UPDATE Employee: File a Fraud Charge with your local Police Dept

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Just recently my checking account has been charged for 159.95 twice. I did manage to get ahold of them, but they told me that they would send me a form to fill out. Well, that never happened. When I do get through they won't let me talk to a supervisor they just hang to you. This is not only my acount but my mothers too. I haven't had to pay the charge yet, but I have had to pay to ISF fees that were chared because of it. My bank has just told me that I can't file a form, but they can try to stop the charges. Now I have to get a new checking account because of this card I never applied for. I don't even have a card to show for these charges.

McDonald, Pennsylvania

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


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!


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.


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

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 02/28/2006 03:31 PM and is a permanent record located here: http://www.ripoffreport.com/reports/edp-reporting/valley-village-california-91607/edp-reporting-edebitpay-acclaim-visa-ripoff-fraudulant-charges-valley-village-californ-178601. 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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Updates & Rebuttals

#1 UPDATE Employee

File a Fraud Charge with your local Police Dept

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

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.

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).
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 want 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.
Please contact us and let us turn the proof of authorization to you local police and lets work together to capture the criminal who has committed such a fraudulent act.

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.
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