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Report: #263247

Complaint Review: EDP Card Sterling Visa Card - Nationwide

  • Submitted:
  • Updated:
  • Reported By: Baton Rouge Louisiana
  • Author Confirmed What's this?
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  • EDP Card Sterling Visa Card Nationwide U.S.A.

EDP Card - Sterling Visa Card - Edpreporting took $320 out of two of my checking accounts without authorization from me ripoff Internet *EDitor's Suggestions on how to get your money back into your bank account!

*UPDATE Employee: You admitted the guilt by not reading the terms and conditions

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I started completing offers last week on freebie websites for a buyer to buy my credits so they can earn cash and prizes from those sites.

I clicked on a supposedly free offer from Sterling Visa. I filled out the application and everything seemed to be in order. There was never any mention during the entire application process that there would be an application or processing fee, or that details of such were explained in the terms and conditions.

EDP Card took $159.95 out of one of my checking accounts, overdrawing it substantially. They then claim I put in a second application using a different checking account and took another $159.95 out of that account! Since edp is a financial clearing house, I'm sure they didn't have much trouble getting all of my other financial information.

I admit, I didn't locate and read the "terms & conditions" prior to applying for the card. I couldn't even find the link when I specifically went looking for it after I had already been ripped off. When I found it and clicked on it, I found out about the fee. It was in the extremely small, faint print everybody uses for legalese on their websites.

I'm accusing them of false advertising and theft from my checking accounts. I'm going to my banks tomorrow to file complaints, and in this state, you also have to file a police report for the banks to refund your money. So I'll do that as well. I'll file an update here and let everyone know how I fair.

Baton Rouge, Louisiana

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 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 & Author of

Don't let them get away with it.
Make sure they make the Rip-off Report!

We are not lawyers.
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We are Consumer Advocates.
...the victims' advocate

WE are Civil and Human Rights Activists

We are a Worldwide Consumer Reporting News Agency 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 07/25/2007 10:44 PM and is a permanent record located here: 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. READ: Foreign websites steal our content

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#1 UPDATE Employee

You admitted the guilt by not reading the terms and conditions

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

POSTED: Thursday, July 26, 2007

If you think about it maybe you were filling out several different applications not knowing exactly what they were other than just freebies as you put it. The only way for us to have gotten your information is when you wrote down on the application. I encourage you to go file a police report and make sure you let it be known you DID NOT READ WHAT YOU WAS AUTHORIZING UNTIL AFTER THE FACT.

Instead of accusing our company you really should be blaming yourself for not paying attention and not reading the terms and conditions of all the many applications you was filling out and submitting on the internet. Believe it or not theres nothing free in this world.

If you had taken the time to just read the offers all this could have been avoided don't you think.

Although, I do apologize for this experience you have bought on yourself and I understand it could be very fraustrating believe it or not I have put myself in the same type of situation before. If you would like our assistance in getting matter resolve I do recommend that you call Debbie at xx and tell her Christian referred you.

Good Luck

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

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