EDebitPay, LLC

This company offers pre-paid debit cards with a variety of brand names which are marketed to consumers via online payday loan or other consumer service related websites. Careful reading of the website offers' privacy policies or terms and conditions will generally disclose that by applying for or agreeing to services they are also giving permission for their personal information to be submitted to affiliate companies or other 3rd party marketing firms. ~~In addition the company also offers a variety of other financial services such as savings cards buying clubs and on line payment services. Buying Club cards claim to provide the buyer with a 10% to 50% discount on most internet or retail purchases including travel entertainment medical costs and pharmacies and provide a variety of services such as roadside assistance service or debit services.~~We urge caution. Complainants typically allege they found charges on their credit card statements and debits from their bank accounts for products or services that they never agreed to or did not agree to renew after an initial trial offer. New customers are usually solicited through mailings phone calls and increasingly through what is called "upselling" - encouraging a customer who is calling to buy one item to order another product. Oftentimes consumers are sent packages detailing the product or service however the material may appear to be junk mail and it is thrown away. As a result people may not know they have enrolled in a club or agreed to purchase something until they find charges on their credit-card bills. ~~To avoid charges pay close attention to the fine print on websites and TV screens when ordering merchandise. It may indicate that you will be enrolled in a club that offers discounts on other products. When you receive club offers through the mail be sure to read the materials thoroughly. Some clubs offer "free trial" memberships. If you do not call to cancel the offer within a certain number of days you will automatically be charged for membership. If ordering anything by phone be alert! If you are made an offer you are not interested in make sure you are very clear in refusing it. Review your credit card and debit card statements carefully. Once someone has your account number it is possible to charge you or debit your account even if you never agreed to purchase their services. If you find unauthorized charges on your statements dispute them immediately in a letter to the company that made the charge and in writing to your Credit Card Company or bank.