I am going through exactly what everyone else has and is, that has come into contact with EDP Reporting. I was online looking for a payday cash advance. This was the first time that I have done this, so I was fairly new to the whole thing.
When a popup came onto my screen asking me if I wanted a credit card. (mind you my banking information was already filled in on another page) I then clicked yes, when a another popup appeared and said your order was confirmed. I have never recieved a confirmation email from them, nor have I ever received a credit card.
I went online to view my personal checking account and found two charges one for $4.95 the other for $159.95. I printed out a copy of the check, and called the number on it. Of course the company was closed. I waited until they opened and called them back. I had to call numerous times to get a hold of someone. The recording kept referring me to their website.
Their website doesn't do much, just leave an email and that is basically it. It has a button for live chat, but all that is, is the 1-800 # to talk to a representative.
I then found this website, and read some of the things. I kept calling the 1-800# and kept typing in different extension until someone picked up. 119,120, 121 ect..
Someone finally picked up, and talked to me, and kept talking over me, andk ept trying to confuse me. I told them that I did some reaseach about this company, she said, "Great." I said, "NO, it was all bad, and I found it all on usacomplaints.com." She then stated that this site is ran by a criminal and to be very careful, also this site was broadcasted over the television about it being fraudulent. I said the only criminal is you and your company.
I kept saying that I did not order this, and she said if you think that this is fraud go to your local police department and present them with this information. I will assist you if you need help. If this is fraud we will refund your money in the form of a check to your local police department, and you can pick it up there.
I then asked for the website, that I placed this order on. She gave it to me. I logged onto it, while she was on the phone, and said yes. This is the popup that appeared while I was filing out an application for a payday cash advance. She kept saying we do not have anything to do with cash advances or loans. Your are getting yourself confused. When in reality she is trying to confuse me. I told her that, but she denied it.
I said this was for a credit card, no where did it say debit card. She again stated that this company is not for a credit card. Everything about it says credit card. I read it to her; no credit, no problem, no credit checks, no down payments, ect. She said you just hit the nail on the head. You HAVE to have a credit check to get a credit card, and you have to HAVE credit to get a credit card. This is why this is not a credit card, and this is a debit card.
You read everything and you understood that it was a debit card, and you applied and agreed to the terms and conditions. There is nothing we can do. I told her I didn't understand everything, that this website was trying to confuse me and everyone else out there, and it did.
I asked to speak to a manager, and she stated to me, that she was the person highest up. That there was nobody above her, thus nobody else to speak with. What a croc. I told her that I was going to call my attorney and she stated to me, I will give you all of my information, because there is nothing they can do for you, you agreed to the terms and conditions.
I would like to do something about this SCAMMER. Tomarrow I am going to my bank and demanding a refund. Because these debits were not authorized, and I am also going to call my local police department, and an attorney. I am also go to file a report with the BBB. Something has to be done. I will also go to the media if I have to.
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