- Report: #323043
Complaint Review: IDProcs.com - Internet
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IDProcs.com
idprocs.com Internet, U.S.A.
Phone:
866-886-1277
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IDProcs.com Scam, Ripoff, Fraud, Signup, Refund my d**n money, theft, unauthorized Online Internet
The following is a conversation between myself, and a customer service representative of idprocs.com, at about 9am CDT, Wednesday April 2, 2008. The conversation itself makes it obvious what happened. I signed up for a loan with another company, they unbeknownst to me, provided my information to idprocs, and i was signed up for something I didnt know about. Here is my attempt to get my money back. Note how the a*****e says I have to prove I never filled out the LOAN application.
Apollo: Hello, how may I help you today?
I recieved a transaction on my bank account this morning that I never knew about and never signed up for. I have looked up this site and its business practices and am well aware of the outstanding cases against it. I have already ordered stop payments on any future transactions and have filed an affadavit today with my bank for the one from last night. I want these charges to stop, I never agreed to sign up for, or pay anything.
Apollo: May I have your first and last name please?
Roy B
I apologize if I come off a bit harsh, but I am seriously upset
Apollo: Thats alright
Apollo: Could you please verify the last four digits of your social number?
xxxx
Apollo: We received an application under your info for Identity theft insurance protection, when you were applying for a pay day loan you were denied and brought to our application page where you were offered 3 products under 1 application and one of those products was Identity theft insurance which covers you financially for ID theft for up to $20,000. The insurance plan does cost you $31.98 per month
Apollo: This insurance covers your "out-of-pocket" expenses such as notary and legal fees, as well as lost wages and other direct expenses often incurred from identity theft. In the event of a confirmed identity theft, you are eligible for expense reimbursement of up to $20,000 for the individual plan. 100% guarantee! We will restore your identity to 100% of pre-theft status, 100% of the time. As long as you are a client when the theft occurs and your claim is legitimate, you'll have whatever you need to regain your good name and recoup any losses you may experience
I never agreed to sign up for anything.
Apollo: I have cancelled the service for you. An automated confirmation will be emailed to the registered email address. This will stop further billing.
Apollo: As stated in our terms, if the application is proven to be fraudulent you will be refunded in full. You will need to follow our fraud resolution policy, You will need to contact your local police station and file for identity theft, once you have a copy of the report you can fax it in to us at 1-888-385-2668 and we will be able to provide the officer working on the case with all the information needed to trace the application back to the person that applied for it. Once it has been proven the application does not trace back to you we will be refunding your account in Full.
My bank already sent a form to you, an affadivit.
Apollo: Kindly follow our fraud resolution policy above please for us to process the refund.
I never signed up for anything. I dont have to prove that I never filled out an application for a payday loan, because I did. I never signed up for any other offer, and this has happened to hundreds of other people.
Like I said, my bank is sending or has sent a form in which i have stated in plain black and white that I never signed up, nor comfirmed anyone to debit my account for any amount. So I suggest you just refund the money, because I know this is just some scam.
This isnt a question of who filled out an application for a loan, because I did do that. This is a question of automatically signing me up for things I never knew about.
Since I didnt know, I expect my money back, now.
Roy
Woodville, Wisconsin
U.S.A.
Apollo: Hello, how may I help you today?
I recieved a transaction on my bank account this morning that I never knew about and never signed up for. I have looked up this site and its business practices and am well aware of the outstanding cases against it. I have already ordered stop payments on any future transactions and have filed an affadavit today with my bank for the one from last night. I want these charges to stop, I never agreed to sign up for, or pay anything.
Apollo: May I have your first and last name please?
Roy B
I apologize if I come off a bit harsh, but I am seriously upset
Apollo: Thats alright
Apollo: Could you please verify the last four digits of your social number?
xxxx
Apollo: We received an application under your info for Identity theft insurance protection, when you were applying for a pay day loan you were denied and brought to our application page where you were offered 3 products under 1 application and one of those products was Identity theft insurance which covers you financially for ID theft for up to $20,000. The insurance plan does cost you $31.98 per month
Apollo: This insurance covers your "out-of-pocket" expenses such as notary and legal fees, as well as lost wages and other direct expenses often incurred from identity theft. In the event of a confirmed identity theft, you are eligible for expense reimbursement of up to $20,000 for the individual plan. 100% guarantee! We will restore your identity to 100% of pre-theft status, 100% of the time. As long as you are a client when the theft occurs and your claim is legitimate, you'll have whatever you need to regain your good name and recoup any losses you may experience
I never agreed to sign up for anything.
Apollo: I have cancelled the service for you. An automated confirmation will be emailed to the registered email address. This will stop further billing.
Apollo: As stated in our terms, if the application is proven to be fraudulent you will be refunded in full. You will need to follow our fraud resolution policy, You will need to contact your local police station and file for identity theft, once you have a copy of the report you can fax it in to us at 1-888-385-2668 and we will be able to provide the officer working on the case with all the information needed to trace the application back to the person that applied for it. Once it has been proven the application does not trace back to you we will be refunding your account in Full.
My bank already sent a form to you, an affadivit.
Apollo: Kindly follow our fraud resolution policy above please for us to process the refund.
I never signed up for anything. I dont have to prove that I never filled out an application for a payday loan, because I did. I never signed up for any other offer, and this has happened to hundreds of other people.
Like I said, my bank is sending or has sent a form in which i have stated in plain black and white that I never signed up, nor comfirmed anyone to debit my account for any amount. So I suggest you just refund the money, because I know this is just some scam.
This isnt a question of who filled out an application for a loan, because I did do that. This is a question of automatically signing me up for things I never knew about.
Since I didnt know, I expect my money back, now.
Roy
Woodville, Wisconsin
U.S.A.
11 Updates & Rebuttals
Katrina Toulman
Xxx,Montana,
U.S.A.
No way
#2Consumer Comment
Wed, May 21, 2008
The charges you're referring to are for the company's identity theft protection plan. What do you mean you didn't sign up for it? It's written clearly that whether or not you receive a cash advance loan, you will have agreed to purchase your identity theft protection plan, and so on. Don't blame the company. Just admit your mistake and learn your lesson.
Trisha Brent
Xxx,Texas,
U.S.A.
Yeah
#3Consumer Comment
Fri, May 16, 2008
I really don't get it. Why do you keep blaming the company for a mistake that is really yours? You didn't read the terms and conditions and now you're stuck in the rut and you're blaming the company for it. In the first place, if you just read, you wouldn't end up with that kind of problem.
Hollie
Swanton,Ohio,
U.S.A.
OMG
#4Consumer Comment
Mon, May 12, 2008
I can't tell you how refreshing it is to read someone else thinks this way! I agree that although it is sad and I understand very upsetting to find out you have been debited for something you may not have realized you agreed to, but at the same time you have to take responsibility for your actions and not blame the company of which did their job. There are plenty enough TRUE SCAMMERS out there for people to need to keep an eye on and therefor things of this nature where the company really did nothing wrong and you the consumer simply failed to read all the "Terms & Conditions" caused you to be charged for something you didn't really want, but non the less you agreed to it weather you realized it or not. There are many payday loan places on the net that offer their services without you having to sign up for anything else, so I would suggest in the future should you need another payday loan, research the companies you think of doing business with before you do and please, please, please read all their terms and conditions and don't just assume all you are signing up for is the payday loan as you have just been taught what some would consider a very inexpensive lesson when you think of how some people have been scammed for much, much more.
Hollie
Swanton,Ohio,
U.S.A.
OMG
#5Consumer Comment
Mon, May 12, 2008
I can't tell you how refreshing it is to read someone else thinks this way! I agree that although it is sad and I understand very upsetting to find out you have been debited for something you may not have realized you agreed to, but at the same time you have to take responsibility for your actions and not blame the company of which did their job. There are plenty enough TRUE SCAMMERS out there for people to need to keep an eye on and therefor things of this nature where the company really did nothing wrong and you the consumer simply failed to read all the "Terms & Conditions" caused you to be charged for something you didn't really want, but non the less you agreed to it weather you realized it or not. There are many payday loan places on the net that offer their services without you having to sign up for anything else, so I would suggest in the future should you need another payday loan, research the companies you think of doing business with before you do and please, please, please read all their terms and conditions and don't just assume all you are signing up for is the payday loan as you have just been taught what some would consider a very inexpensive lesson when you think of how some people have been scammed for much, much more.
Hollie
Swanton,Ohio,
U.S.A.
OMG
#6Consumer Comment
Mon, May 12, 2008
I can't tell you how refreshing it is to read someone else thinks this way! I agree that although it is sad and I understand very upsetting to find out you have been debited for something you may not have realized you agreed to, but at the same time you have to take responsibility for your actions and not blame the company of which did their job. There are plenty enough TRUE SCAMMERS out there for people to need to keep an eye on and therefor things of this nature where the company really did nothing wrong and you the consumer simply failed to read all the "Terms & Conditions" caused you to be charged for something you didn't really want, but non the less you agreed to it weather you realized it or not. There are many payday loan places on the net that offer their services without you having to sign up for anything else, so I would suggest in the future should you need another payday loan, research the companies you think of doing business with before you do and please, please, please read all their terms and conditions and don't just assume all you are signing up for is the payday loan as you have just been taught what some would consider a very inexpensive lesson when you think of how some people have been scammed for much, much more.
Hollie
Swanton,Ohio,
U.S.A.
OMG
#7Consumer Comment
Mon, May 12, 2008
I can't tell you how refreshing it is to read someone else thinks this way! I agree that although it is sad and I understand very upsetting to find out you have been debited for something you may not have realized you agreed to, but at the same time you have to take responsibility for your actions and not blame the company of which did their job. There are plenty enough TRUE SCAMMERS out there for people to need to keep an eye on and therefor things of this nature where the company really did nothing wrong and you the consumer simply failed to read all the "Terms & Conditions" caused you to be charged for something you didn't really want, but non the less you agreed to it weather you realized it or not. There are many payday loan places on the net that offer their services without you having to sign up for anything else, so I would suggest in the future should you need another payday loan, research the companies you think of doing business with before you do and please, please, please read all their terms and conditions and don't just assume all you are signing up for is the payday loan as you have just been taught what some would consider a very inexpensive lesson when you think of how some people have been scammed for much, much more.
Karlo Nelson
Xxx,Illinois,
U.S.A.
nnnn
#8Consumer Comment
Thu, May 08, 2008
I know how you feel, Roy. I was in the same situation months ago. I was so upset I wanted to blame the company but I know it wouldn't do any good because it's clearly my fault. The company did their part of clearly stating the terms and conditions, and as customers, we should read and understand it. I don't think it's right to blame them, let alone accuse the site as scam.
Reena W.
Xxxx,Connecticut,
U.S.A.
Are you sure?
#9Consumer Comment
Sun, April 20, 2008
Considering that you did fill out an application for a loan and clicked continue, it means you agreed with the terms and conditions, right? So why are you complaining that you didn't agree to sign up for anything? I mean, I know you're upset but it's obvious whose fault it is. The disclaimer is posted there, just above the continue button. It's hard to miss it. Unless, of course, there's negligence on your part.
Harlett Ruth
Dddd,New York,
U.S.A.
For your info
#10Consumer Comment
Wed, April 16, 2008
You're right, it wasn't a question of who filled out an application for a loan because it's obvious you did. But instead of accusing the site as scam, why don't you try visiting the site again and read the disclaimer word for word? It's pretty clear what those charges were for. I checked the site myself. The important points you shouldn't miss are even in bold letters.
Grace B
Xxxx,Massachusetts,
U.S.A.
Sorry
#11Consumer Comment
Sun, April 13, 2008
I can't help but agree with the customer service representative. He explained what those transactions were for. And what he said was similar to what's written on their site. I'm sorry that you got debited, but the site explained clearly what those transactions were for.
Rise F.
Los Angeles,California,
U.S.A.
Not really...
#12Consumer Comment
Tue, April 08, 2008
Well, I should say this is also a question of thoroughly reading and understanding the terms and conditions. I checked the site and it is clearly stated there what those charges were for. I think it's stated in the simplest possible way. Anyone who doesn't know what those charges were for must have overlooked the statement and just clicked the continue button.
