JOIN ME FOLKS, AND BRING EDP REPORTING TO ITS KNEES!!!
LET'S PROVE THAT THE POWER OF THE PEOPLE IS MIGHTY AND SHUT THESE SUCKERS DOWN!
Since my last post here: i went into a bank of America branch office and closed my accounts. this is what burns me to bits and something those of you scammed should bear in mind: these companies (in my case, EDP reporting and EQUITY FIRST) will keep trying to sponge funds from your account, if you do not close it!
Worse yet, your bank will not only turn a blind eye, but will decline your claim instantly by blaming YOU for giving the information to ANOTHER legitimate company, then brazenly endevour to profit from it!!! The fraud on my account occurred on may 16th and 17th... i found out and brought it to BOFA's attention on may 21st--thereby making it incontrovertibly clear that i did NOT and will NEVER authorize subsequent access to my account by these two companies.
On may 25th, 30th, june 4th, 9th, and 11th, EDP made overtures to my account by presenting transaction for $1 or 1 penny--to ascertain if the account is still open. One would think that with the heated and anguished chats i had with various BOFA staffers, there'd be a flag on this merchant... one would think.
BOFA instead, ATTEMPTED (meaning they would have PAID more fraudulent charges to these companies, had i left money in the account!) to honor these fraudulent attempts to double, triple (etc)-dip into my accounts by these crooks--and adds insult to injury by charging ME 35 bucks EACH time to the tune of about $300!!!
I find this tantamount to being penalized for NOT having money in my account for the embezzling predators to pilfer! At the moment, i await the receipt of a busload of forms from my bank, which I've been told includes a part I'm to take to a notary public, in addition to filing a police report.
Why am i doing sooo much to prove that I've been robbed, whilst my bank continues to dole out my money to the company in question? this is why EDP reporting, EQUITY FIRST and its ilk are so brazen and confident in perpetuating scams like these.
They KNOW the paces OUR own banks would put us through to prove we have not stolen our own money; furthermore the scammers COUNT on WE, the VICTIMS to aid and ensure that they are NEVER brought to justice! How? Read all the anguished posts from those scammed... clearly, we all want something done--indeed some of us have at least come thus far... (hopefully to prevent others from falling victims).
Yet not one of these posters have replied to my private email, calling ALL to rise and fight against this company. Why? Because its only $159.95? Would you not fight if it were $15? Or 15 cents?
This is my final public outcry about this: next, I'm blitzing the TV shows with all the info I've gathered as well as MY story. Only YOU can tell YOURS, and i urge you to. email me if you need help. if i could, I'd single-handedly bring this company down. Thanks to OUR (their victims) apathy, EDP reporting boldly, unabashedly, states this about itself on its website:
EXCERPT FROM EDP'S WEBSITE:
Data Management: EDP's datahouse has millions of customers who have provided a great deal of information about themselves. EDP’s proprietary systems allow them to track customer habits and preferences, and enable them to target just the right customers for different product offers. As a result, EDP is able to respond instantly to shifts in the marketplace, allowing them to achieve maximum results in their sales efforts.
Hmm..."EDP’s proprietary systems allow them to track customer habits and preferences, and enable them to target just the right customers for different product offers." do you hear that?...they ''track our habits'' and ''target'' us--too bad the product offered is daylight theft from unsuspecting, citizens, who've been "tracked" and "targeted".
HOW DO THEY TRACK AND TARGET US? I would like to know how vast this network of thieves are--in my case, i filled out an application for a payday loan advance from cashnet usa, which i did receive. until now, i have looked at cashnet as the only honest one of them all.
However, i can't help, but surmise that cashnet was the ONLY company i gave my info to. Within moments of receiving notification that my request for $500-1000 has been approved, but for $200, i became inundated by similar firms, which cashnet said were better suited for my ''specific needs". Oddly, forms from these firms came attached to emails, ALREADY FILLED with the info i just gave cashnet!!! These were the most vicious, obnoxious solicitation gimmicks I've ever seen.
Some had innocuous names, like Christian, angel, women's secret payday loans, etc. they ALL made outrageous offers, like $10,000 unsecured cash loans without credit check or job verification(!)--which got me quickly suspicious. EQUITY FIRST FINANCIAL was the company that got me to wash my hands clean of the whole thing.
They offered $10,000 instant credit, then corral you into filling it out--making it impossible to close the page. Whilst you 're stuck on that page, you get whacked with secured credit card deals--that's when the light bulb beamed for me! the reason they make these offers, is because they know you'll be declined--but on the back-end, they offer you a consolation "prize"--as in, "since you are so pathetic, you can't get a credit card, we'll do you a favor and LET you have one for a fee and this much down".
I declined any such offers, as they smelled very funny to me--greendot or most banks have secured credit cards--plus, with greendot, you just go to most drugstores and voila, a reloadable debit, sorta, credit card!
So why would anyone go online for this common service? This made it even clearer to me, that these firms are in reality, in the business of getting your personal info through shady means and trying to sell you something ELSE!
BAIT AND SWITCH, WWW, CYBERSPACE STYLE, IS ALIVE AND KICKING here, UNCHECKED, UN REGULATED and untouchable by ANY branch of the law! why else can EDP feel no fear of reprisal when it operates thus, and taunts us to go to the cops?
AN EXCERPT OF LIVE ONLINE CHAT BETWEEN JILL, AND EDP VICTIM AND EDP STAFF:
Jillian : I have contacted you in regards to my checking account being debited 159.95 for something i did not authorize. Some one named jasmine emailed me and told me you could not issue me a refund for god knows what reason and that i had to contact my local police dept. on this issue.
Well first off i want my money back asap you took it without permission in a heartbeat and you can return it just the same. I looked your company up and it seems that your company is notorious for this and that you do not refund peoples money.
I do as of yesterday have a lawyer regarding this situation if my money is not refunded to me by you. Do not tell me i have to go to the bank and talk to them because that is bull. i want to know how you got my info in the first place and how come when i asked for proof from edp they are avoiding me now. I am sure you do not want this to go to the media which i am more than prepared to do. i want to know when i am going to get my refund now.
You are now speaking with marc of Customer Service.
Marc: Hi, How can I help you ?
Jillian : I just told you. I want my money that your company illegally took from me and as i can tell by your reputation that this happens a lot. I want it asap before legal action is taken against your company edp reporting.
Marc: I need to verify some information. Can you please give me the last four digits of you S.S #, your address, and your date of birth?
Jillian: Absolutely not you already have it and i don't need to get scammed again.
Marc: There is one way for you to have a charge. According to the application submitted online on 11/21/2005 for the Acclaim Visa prepaid card, the Terms & Conditions were agreed to and authorization for the one time application and processing fee was given.
The prepaid card is not a credit card. The prepaid card does not extend your credit. You will be able to load money onto the card and the prepaid card will only be good for the amount you apply. The original attempt was returned NSF by your bank. If the funds were collected when they resubmitted this NSF item, then the card will be delivered within 3 weeks of the date the funds were collected.
Marc: Are you there?
Jillian: Listen i never applied for a card in the first place this is the problem i am having . You cannot provide me proof of this and you have now caused me to bounce numerous checks for things that i did authorize. I would never apply for a prepaid card and never will. I never received a card and probably will not. I want my money back or you will be dealing with my lawyer and for a lot more money than this for all this aggravation and stress this is causing me. I know from previous experiences when you request a refund you are obligated to give it. So once again i want a refund of my money.
Marc: We take fraud very seriously and if someone is using your name and/or personal information to make online purchases on our website, we will cooperate completely with all law enforcement agencies in the pursuit of fraud. If you believe your account was fraudulently charged for the purchase price of one of the card products we support, we will make every effort to aid in a resolution.
Before we can take any action, we will mail you or fax you a fraud form which you can take with you when you report to the police. Please fax the form back with the necessary information at 818-487-0634 or mail the form with contact info to your local Police Dept. and officers contact information. If the police determine it to be fraud we will refund the full amount and send it to the police. We can't advise you on what to do but if this in fact is fraud, we will cooperate to help pursue and apprehend the criminals.
OHHH! SEE HOW SMUG HE IS? HE KNOWS SHE WON'T GO THAT FAR!
Marc: When we receive the fraud form back signed and completed by you and the police officer, we then forward the application and the IP address of the computer that submitted it. If the police officer determines it to be fraud; the full amount will be refunded.
Jillian : Once again why do the police have to be informed when they are not the ones that took the money put a stop on the so called card and issue me a refund. This is another thing you are notorious for as i read from other people complaining about this company you tell us to go to the police and then you still don't do anything. Look for yourself at /link removed/ your company is a #1 on their list of ###ters and frauds. You are the fraud not someone else. This message is the same message i received from jasmine word for word. I want my money back now. No forms no crap. Money back or i will report you.
Jillian: What is taking you so long. It is not that hard issue me back my money and there will be no problem. Easy why is your company trying to make this out some big project.
Jillian : Hello!
Your party has left this session.
Jillian: Listen marc, i don't want no big list of things to do to get my money back. I shouldn't have to. You took it. I did not authorize it.
Your party has left session.
See what I mean, It got too much for him to handle because I am not messing around. please we need to do something serious about this company and fast before we are broke and they are billionares.
So let US do SOMETHING--we KNOW what to do, so what's keeping us? So we spend a couple of hours, tops, making copies and mailing letters... we spend more time doing less fulfilling things--you must agree that the end result would be fulfilling and worth it, yes?
The lucky few of us, do actually GET SOMETHING--though the memo on EDP's check they made out to themselves in my name said, ''opt one mastercard'', i have NEVER received even shredded paper from them! I caught on to the rather quickly and immediately sought to distance myself from these firms, as well as put a stop to further contact from them.
That's when i found out that most of them are under the auspices of a firm called BRI MEDIA--another shady, dubious firm to be on the lookout for. I found out that many of them, especially BRI MEDIA, have a myriad of tricks to circumvent the law that binds them to cease and desist contact after you go to the bottom of unsolicited spam email and click "unsubscribe''.
A few honest companies (eg, sears, macy's) unsubscribe you INSTANTLY, say so, and indeed cease contact. not those affiliated with BRI MEDIA--they say it could take 24 hrs to TEN BUSINESS DAYS(!) to unsubscribe you, as emails ''already in the pipeline'' must still come through.
In the interim, they bombard you, anew with new offers and gimmicks. following this, i clicked SPAM on my email inbox, to ensure instant deletion of subsequent emails from them. Nooo, they had yet ANOTHER trick up their sleeve--"THIRD PARTY MAILINGS"!
This i found out, is how companies you've "spammed" get back to you--they furnish your email to another firm, that resubmits the same old crap in a new package. BRI MEDIA, it turns out, has an endless supply of disguises, and NEVER really unsubscribed me.
The next time i tried to unsubscribe it for the umpteenth time, i saw blurb that said something along the lines of, if you have trouble unsubscribed, or keep getting mailings a BRI media subsidiary you've already unsubscribed, Click here... i clicked... BAM! I was toss onto a site that sells after market, used, refurbished laptops, adult DVD, etc! PS: i was aghast to find myself on such a site when i tried to unsubscribe from oil of olay--a product one presumes to be reputable.
Can someone answer this question for me please? Where do i go to apply for a job with companies like these? Companies that conduct themselves unethically--and flaunts its unmitigated disregard for the law, as well as law abiding citizens, with impunity.
I KNOW you or i would get in all shades of trouble if we conducted myself in the same manner--fraudulently obtaining another person's info and taking money from his personal bank account. I KNOW WE would go to jail for it. why do these companies have immunity from punishment?
What's saddest about this new brand of scam, is that it targets that segment of our society, consisting of honest, hardworking people, subsisting from paycheck to paycheck--the average joe who doesn't mind borrowing against his up-coming check (forget the exhorbitant interest) to pay a bill or a debt, because he/she is a man of his/her word.
Sadly, more than i can say for these corporations, masquerading as solid, contributing, viable members of the the society! Contributing what, i say? If status quo persists, their contribution to homelessness--a fraudulent deduction of $159.95 is enough to cause the rent/mortgage to default, etc.
Unemployment will be felt soon and hard by cities and banks who aid them to flourish--when those rendered homeless and penniless flood city streets by day and bank lobbies and vestibules at night for shelter!