Complaint Review: Everprivatecard - Internet

Subject More Info Group -

Status Open Operator assigned

Created 03:30 Customer Sheila

Solved - Access key

Sheila

03:30

I would like some full details on why there was a debit from your company from my bank account on June 22, 2007 for $54.95 and what this was for and the sight that it was done at. This has made my account be overdrawn over $50.00 plus. As for this email is very important and has now given me a nsf on my bank account history and doesnt look good for my future plans. PLEASE RESPOND ASAP

EverPrivateCard Support

03:52

Hello,

We advertise on other Web sites that collect your information, present our membership offer and then provide the ability to check YES or NO to join. In order for us to receive your personal information you had to provide permission to pass it on. If you want we can provide the date, the site you were on and even the computer identification (IP address) that you used. It is one time charge for life time usage.

The following was the advertisement.

YES / NO - A Virtual Visa Prepaid cards is the only way to shop online without anyone else knowing. Just load the card with cash and make purchases anonymously. NO credit check, NO link to personal credit information, NO bill mailed. INSTANT APPROVAL AND ISSUE. It's the perfect solution if you want to protect your privacy. Check "Yes" and you will receive your Visa Prepaid cards prepaid Debit card including lifetime free access to EverPrivate Card privacy tools to protect your identity. YOU HEREBY AUTHORIZE EverPrivate Card to debit your bank account for the one time enrollment fee of $49.95.

By agreeing to the offer above, you legally authorized us to debit your bank account. We have already reserved a card for you. It is a virtual card that is redeemed from a link sent to your email. If you have not received it we can resend. If this was a mistake or oversight on your part, please let us know the details of the situation. If this authorization was fraudulent, when someone else has gained access to your financial information, then you should immediately take steps to prevent further fraudulent use.

IMPORTANT INFORMATION ON GETTING

HEL

Please bookmark/add this page as a favorite. That way, you can check back using YOUR Ticket # for a response any time you want. Don't open a new ticket number as it will slow down responses. Our system will also email you when a new reply has been submitted, but due to spam filters, email is not always received. The best thing

is to check back to this page, with YOUR Ticket # for a reply from us, and to submit your future replies back.

EverPrivate Card Customer Service

Sheila

04:03

Ok I would like to request a refund be returned to my account because it has overdrawn my account and now has screwed up my account history. This must have been an overlook or something because If would have seen there was a charge for this I would have waited till the money was in my account also I never have to pay for a card to get credit and never will so I would like to dispute this debit and would like to get my money back into my account ASAP

EverPrivateCard Support

04:39

Hello,

We advertise on other Web sites that collect your information, present our membership offer and then provide the ability to check YES or NO to join. In order for us to receive your personal information you had to provide permission to pass it on. If you want we can provide the date, the site you were on and even the computer identification ( IP address) that you used.It is one time charge for life time usage. It may be mistake or oversight on your part or some one misused your financial details. we have authorization details including the computer number (IP) etc. This is one time charge for life time usage & you will not be charged again.We have already reserved a card for you. It is a virtual card that is redeemed from a link sent to your email.

EverPrivate Card Customer Service

Sheila

04:55

Ok I did not authorize this fee to be debited from my account by your site or your company or anybody elses so before I take further actions on this, I would suguest that you refund the money back into my account and also I would suguest you go check out your complaints reported on your company for doing this fraudulant act to not just one individual but the whole list the intire world can view at ripoffreports.com because this is enough proof that there are many other people your company has done this to and these reports show enough evidence that your company is the one who is doing the fraudulent act not just an outsider as you suguested. Signed by: This is not a joke and I will step up as far as I have to to see that your so called company is no longer doing this fraudulant act apon anybody else in the future

Sheila

Tolleson, Arizona

U.S.A.

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

HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:

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!

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 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.

CHARGES TO YOUR CREDIT CARD

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

[email protected]

badbusinessbureau.com

www.ripoffreport.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

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...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.