EDP Reporting They stole my money and won't give it back Ripoff Valley Village California

I have been burglarized not in the normal sence but through my checking acct. EDP Reporting sent a request for payment in the amount of $49.95 and it was rejected by my bank because I didn't have the funds to cover it, but it came at a cost to me in the amount of $102.00 in overdraft fees. It went through a second time a couple of weeks later and was paid by my bank because I had the funds to cover it at the time but I had made purchases from my acct so those purchases I made thinking ok I have the money to cover them not knowing that EDP was going to try a second time for payment, well I guessed wrong and it caused another $102.00 in overdraft fees.

Now this is really starting to tick me off, because 1 I have no idea who in hell this company is let alone know how they got my information. I contact my bank after the first charge to see if I could file a dispute form but since the charge didn't go through they couldn't do anything that I would have to contact EDP to get a refund from them, so I try contacting them and I will post my conversation with them in a sec lol, not that this is a laughing matter because it's not. Anyway I went to the bank a second time after the charge actually came through a couple of weeks after the first attempt and woohoo they allowed me to file a dispute form and they have refunded me some of the over drawn fees but not all due to the fact that this is still in the works at least that's what I'm hoping.

I will update as soon as I find out what happens. But in the meantime I am having an argument with EDP through email, I tried contacting their customer service on the phone, but could never get through they were always too busy to answer the phone and of course they have no voice mail so they tell you to use their online chat, so I try that and I kept getting an error message saying that it's not working or something like that, so my last choice is to contact them via email which means it takes forever to get any kind of satisfaction, not that I did get any.

Here is my entire conversation through email:

Me:

I demand to know why you have charged my checking acct twice for $49.95 when I have never heard of you let alone authorized you to take this money from my acct. I don't even know how you got my info

Chris:

We have found your online order which is proof of authorization for the purchase of the prepaid debit card. There is only one way for you to have a charge. According to the order submitted online on 6/26/07 for the prepaid card, the Terms & Conditions were agreed to and authorization for the one time application and processing fee was given. The prepaid card is not a credit card. The prepaid card does not extend your credit. You will be able to load money onto the prepaid debit card it will only be good for the amount you apply. If you are experiencing a charge at this time, this means you should receive your prepaid debit card in the mail within 15-20 business days from the date the money is received.

Me:

I DID NOT apply for a prepaid card I have never heard of your company let alone applied for a card. I APPLIED for a cash advance which then changed my mind about you then STOLE my information from applying for that to use for the card. I have already filed a complaint against you so you need to look for that coming to you. I have read several complaints against your company and have seen that I am not the only person you have done this to, you need to STOP doing this to people. You have caused me hundreds of dollars in overdrawn fees and you need to pay this money back to me as well as the $49.95 fee that you took out of my acct or I will seek legal representation and believe me with all the complaints against your company I will most likely win, there might even be a civil law suit against you right now for all I know. This should be illegal, but I never I repeat never applied to you for a card, so I don't know how you can say I did.

Chris:

We understand this may not be a pleasant time for you. We have found your online order which is proof of authorization for the purchase of the prepaid debit card with the IP address of the computer it was submitted from, dated and time stamped. The IP address can be traced to the specific computer and location it was submitted from. The only way for you to have a charge is you or someone completed, authorized and submitted the online order for the product we support. Please take a moment and re-visit the order site: https://execpluscard.com/index_onepg.asp to help refresh your memory. If after rereading you believe your account was fraudulently charged for the purchase price of one of the products we support, we will make every effort to aid in a resolution. We take fraud very seriously and if someone is using your name and/or personal information to make online purchases for products we support, we will cooperate completely with all law enforcement agencies in the pursuit of fraud. Please let us know, if you want to stop debit card from being mailed and send you the fraud form to help you when you go to police.

Me:

I still believe that this was done fraudulantly and WANT a refund for all charges including the overdrawn fees. I did not and do not need a debit card let alone a prepaid debit card, I have one of those for free through my checking acct. Why would I need to pay for one? Please return this money asap and I do not need or want your debit card so please do not send it but
send the forms for me to fill out.

Chris:

We understand this may not be a pleasant time for you. We have found your online order which is proof of authorization for the purchase of the prepaid debit card with the IP address of the computer it was submitted from, dated and time stamped. The IP address can be traced to the specific computer and location it was submitted from. The only way for you to have a charge is that someone completed, authorized and submitted the online order for the product we support. We take fraud very seriously and if someone is using your name and/or personal information to make online purchases for products we support, we will cooperate completely with all law enforcement agencies in the pursuit of fraud. If you believe your account was fraudulently charged for the purchase price of one of the products we support, we will make every effort to aid in a resolution. We will mail you a fraud form which you can take with you when you open up a fraud case for investigation with your local police. Please fax the form back at 818-487-0634 or mail the form with the officers contact information and a copy or print out of the bank statement showing the clear charge. We will turn over the order as proof of the authorization for their full investigation. If the police determine it to be fraud we will refund the full amount in form of a check to the police station after we confirm money was received. We cant advise you on what to do but if this in fact is fraud, we will cooperate to help pursue and apprehend the criminals. We want to assist and are here for any questions the officer may have.

Me:

Why are you dancing around the issue? I WANT TO KNOW WHEN YOU ARE GOING TO RETURN MY MONEY? I WANT A REFUND OF AT LEAST THE MONEY YOU TOOK FROM MY ACCT FOR THE DEBIT CARD OF $49.95 AND I WANT IT RETURNED NOW!!!! I do not I repeat NOT want your debit card and want I repeat WANT my money back NOW.

Chris:

We have found your online order which is proof of authorization for the purchase of the prepaid debit card. After reviewing proof of authorization for your order of the prepaid debit card, according to the date 6/26/07 you submitted your online order and per the Terms & Conditions you agreed to you are not eligible for any refund. As stated on the order, cancellation requests made more than three (3) business days from the date you submit your online order will not receive any refund. Once the order has been submitted it is an automated process which can not be stopped. At the time of submitting the online order, the computer IP address, time and date was captured for security. You may request the prepaid debit card to not be mailed to you or keep the prepaid debit card order as is. Please let us know, if you want to stop debit card from being mailed or leave order as is in either case no qualifying refund applies.

What the hell do they do? Do they copy and paste almost word for word every single email? They keep repeating the same thing over and over and over. Maybe they have a meeting over there at EDP and tell everyone what to tell everyone who complains and give them a script because it seems like everyone is getting the same response as I am.

How the hell are they getting away with this? Especially when I see that there are so many complaints against them? Someone please do something because I'm sure there are alot of people out there who are not able to afford this and can't afford to hire lawyers to take action against them like me.

Barbara
Willoughby, Ohio
U.S.A.