Complaint Review: EDP Card

WELL AS MANY OTHERS OF YOU I SEE I TOO HAVE JUST BEEN SCAMMED BY THESE PEOPLE! THEY TOOK $159.95 FROM MY ACCOUNT WHICH I DID NOT HAVE IN THERE SO MY BANK CHARGED ME $30.00 FOR OVERDRAFT FEES.

WHEN I WENT TO THERE EDPREPORTING WEBSITE I TALKED TO SOMEONE ONLINE ABOUT THIS. THEY PRETTY MUCH TOLD ME THIS WAS AUTHORIZED AND THAT IT WAS DONE ONLINE BY MYSELF. SO I ASKED WHAT THE WEBSITE WAS THAT I SUPPOSEDLY DID THIS AND WENT TO IT SUPREMESPENDER.COM AS I WAS TALKING TO THIS PERSON.

I HAD NEVER SEEN IT BEFORE AND TOLD HER THIS. SHE TELLS ME SHE WILL EMAIL ME A FRAUD REPORT BUT THAT NEVER CAME! SO WHAT I AM DOING IS PRINTING ALL OF THE REPORTS ON HERE AND TAKING THEM TO MY BANK AND HOPEFULLY THEY WILL GIVE ME MY MONEY BACK!

THIS COMPANY SAYS THAT I DID THIS ON JANUARY 21, 2007. BUT MY BANK ACCOUNT WAS NOT EVEN IN EXISTENCE YET. I JUST OPENED THIS ACCOUNT LAST WEEK ON THE 29 OF JANUARY! SO HOW IS IT THAT I WOULD DO THIS WITH NO BANK ACCOUNT!

MY ACCOUNT IS AN ONLINE BAK NOT SURE IF ANY OF YOU ARE WITH AN ONLINE BANK BUT IF SO I WONDER IF THIS EDP COMPANY IS GETTING OUR INFO B/C OF BREAKING INTO OUR COMPUTERS. I DON'T KNOW ALL I KNOW IS THAT I AM SOOO MAD!!!

WELL ANYWAY IF ANY OF YOU FIGURE OUT HOW TO GET YOUR MONEY BACK OR IF I DO LET'S TELL EACH OTHER HOW TO. WE HAVE TO STOP THIS COMPANY BEFORE THEY DO IT AGAIN!!!

Heather
salisbury, Maryland
U.S.A.
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 hasbeenmore 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 youproperly 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 dealwith 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!

DO NOT TAKE NO FOR AN ANSWER!

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 chargetruth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics s) to your account; no matter how long ago it was.Be sure to call the Media if necessary so you are telling the EDitor's Suggestions on how to get your money back!

HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:

demand tion E.
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 orm.