EDP Reporting - EDebitPay - EDP Tracking - Super Acclaim Card - EDP MasterCard EX
EDP Reporting - EDebitPay - EDP Tracking - Super Acclaim Card - EDP MasterCard EX, Liberty Uni Unauthorized Checking Account Deduction ripoff

After finding out that a few checks and monthly authorized bank drafts either bounced or were kicked back, I contacted my bank for further information. From there, I found out that this company by the name of EDP had deducted $159.95 from my account for what they referenced was a Visa Acclaim Card as a pre-authorized check on 07/20. I was livid. I had no idea what this was and had not received any communication from this company in any way. No correspondence. No phone call. Nothing.

I immediately called the number shown on the check that they generated, several times in fact. Each time I tried, I was on hold for a period of time and then disconnected. A recording directed me to visit their website (www.edpreporting.com) and drop and email or to conduct a live chat with an operator. I tried to do a live chat, but, to no surprise there was a system error. I really didn't want to send a email as I was very angry and wanted this dealt with right away. Alas, for the next couple days I continued to try to reach someone by phone.

Someone finally answered on 08/11 only this guy was their backup answering service or something like that. He said that he had no information and he could only take a message and someone would call me back or email me if they couldn't reach me. No one did. I called them again on 08/24—no luck. So, I finally gave in a sent an email.

Someone responded (Camile D.) late in the evening-not really answering any of my questions. All she said was that she found my online order which proves that I placed this purchase and they take fraud very seriously that they recorded my IP address and if it wasn't me then I needed to go to my police station and fill out a fraud report. Blah, Blah, Blah. I replied that regardless, I wanted my money back that I am telling them as a consumer that this was not anything that I agreed to.

Here's what I believe happened. I was applying for a cash advance loan. Somewhere along the way, they had their information on getting one of their cards right in the same application for the cash advance application. Not knowing this, I proceeded along with the cash advance application, which by the way did not go through. So that was that. I didn't get the loan. I went about my business. Next thing you know, this company charged $159.95 from my account.

All I have about this company is this. They are unethical. Preying on people who are obviously financially distressed. Why would a company mingle in application for a card (this is a debit card apparently) with an outrageous fee and not make it clear and obvious to a consumer as to what's going on.

If I'm applying for a cash advance, does it seem reasonable that I would want or be able to afford a $160 debit card. This $160 is a maintenance fee, I believe, and is not added to the balance of the card. Like, I said I did not get any form of communication from them at all. This is like just giving away $160. I already have a debit card through my checking account so why would I just fork over $160 and not get anything out of it.

Furthermore, if this was any ethical, reputuable company why didn't they contact me in any manner to verify this transaction and to confirm that they were going to be deduction from my account and verify that funds were available? Also, when I explained all this saying that I wanted a refund, why wouldn't they just return my money to me. Why would they say that I don't qualify for a refund. They are a fraud. This company had caused me even more financial distress.

Any help that anyone could give me on getting my money back swiftly would be greatly appreciated. I also want them to pay my late charges as well as the late fee that I had to pay my landlord for not being able to pay my rent. I would like to take legal action, if necessary. If someone could direct to any state and government agencies that could help, I'd really appreciate it.

Company: EDP Reporting - EDebitPay - EDP Tracking - Super Acclaim Card - EDP MasterCard EX
Country: USA
State: California
City: Valley Village
Address: 5301 Laurel Canyon, Suite 214
Phone: 8004300672

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