Ever Private Card Service

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Company removes unauthorized funds from my account
Posted by on
I was going from site to site to check on a payday loans. Asking basic question, filling out applications inquiring about a loan. My email became overloaded with offers and applications and a bunch of spam from different payday loan companies. I've never came into contact with this particular company but from outer nowhere this company authorized 49.95 to be withdrawn from my account. This cause my account to be overdrawn. I called the number that was posted on this check which was unreadable non-working number. I then go to the website Everprivatecardservice.com which the check was made out to. The only way that I could contact them was through email. The number on the website was for calling complaints about stolen or lost cards. The message on the website states that it's a 24 hours customer services no one have yet to contact me. I'm angry because regardless of my financial status they would just think I would inquire about a loan if not needed. Oh by the way in the opening statement of said website they are "not affiliated with any payday loan."

The email that I sent them would not let me print a copy for my bank purpose but this one will.
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Anonymous on 08/01/2007:
If you haven't done so you need to close your checking account ASAP and open a new one to prevent more withdrawals.
Sparticus on 08/01/2007:
It is quite ridiculous that these places can do this... and that our best protection is to close our accounts and re-open a new one... It is like legal fraud that everyone knows is a scam, but no one can do anything about it... except maybe spread the word...
Anonymous on 08/01/2007:
If you were only inquiring on payday loans, then why did you give out your bank account information and actually "fill out applications" as your post states? It sounds to me like you may have submitted an application for processing and didn't realize it.

If this truly isn't a mistake on your part and they are refusing to respond to you, then you should pursue it further and start filing complaints with the BBB, etc.

BTW, from what I could find, EverPrivate is not affiliated with payday loans, they are a pre-paid debit card service used to protect and prevent identity theft when shopping online and charge a one time enrollment fee of $49.95.
moneybags on 08/01/2007:
The BBB is a voluntary agency whose members pay dues for membership. They have NO LEGAL AUTHORITY and cannot prosecute. Contact the Attorney General's office of your state and your bank regarding a fraudulent withdrawal.
trumania on 08/01/2007:
They wouldn't have been able to do this had you not provided your account information to them. That's why it's EXTREMELY important to only give your financial information to companies you trust and have a strong reputation.
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Ever Private Card
Posted by on
WINDOW ROCK, ARIZONA -- Ever Private Credit Service has taken $59.90 from my bank account. Once I found out the company (Ever Private Credit Service) withdrew money from my bank account. I called the 800 number, I was told to contact the website to get your refund back. I went to the website and filled out the form and sent it. I waited for a responds and nothing was done. So I went to the website and filled out the form for a refund and received no answer from the company. The next month, which is June, the company withdrew money from my bank account again. Again, I called the 800's number and filled out the form and sent it. Again, no responds from the company. I called the 800's number and I got a non 800 number, this number was busy and I tried later and the number is busy. This month July, I contacted the company again. Again, I went through the same routine, filling out the form and waiting. Called the non 800's number and guess what, someone answered and it was a technical support for the company and the support tech referred me back to the website. Again, I filled out the form and waited. I, finally, got a reply, but the company will not issue a refund back and the company is telling that a credit card is reserve under my name. I replied back stated I am not interested in this nor do I want to hear about the company. I don't understand why they will not issue my refund back to me. I never authorize this and the company did this without my permission. I simply want my money refunded back to me. That is all I ask, my money refunded back to me.
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grandma005 on 07/05/2007:
You will have to close out your bank account and open up a new account. This company will contine taking money out of your account if you don't. Go to complaintsboeard.com there are many like complaints. You must have signed up for a payday loan on the internet. This is how they got your information. On complaintsboard Ever Private tells you how to get your money back, but it sounds like you have already tried that.
poppapia on 07/06/2007:
You don't necessarily have to open a new account. See if your bank will let you sign an ACH refusal affidavit, which most banks do, and have the items returned via the ACH system. Also, you may want to sign a stop-payment form at the same time, as this will reject all future ACH's from this company.
Sunnflowerr2k1 on 07/09/2007:
I just had this same situation happen to me today. Money was drawn out of my account without my consent. I did try to apply for a payday loan online, believing that the companies website was secure, turns out it was not. I will be closing my account and having my bank get my money back for me.
The U.S. Military Soldier on 07/13/2007:
I am in the same situation. Actually, I have my account placed to block all transactions and I plan to do something about this. I'm going to fill out a police report and affidavit and have this problem sent to the fraud department.
Andrew Colton on 07/19/2007:
I called 514-868-2092 which is in Montreal Canada and talked to a male customer service agent. I asked him why was 49.95 taken out of my Bank of America account and he told me that if I went to a Loan or Cash advance Web Site and clicked on the Ever Private Card advertizement that a 49.95 dollar application fee was automatically charged to my debit card. I told him that it was very underhanded & decetpive & he would not refund my money. WARNING TO EVERYBODY > Close your account and have the card numbers changed ASAP or they will withdraw money again next month > read other reviews. Don't count on getting your money back the company is in Canada ! Call your Bank and tell them about Ever Private Card and the fraud that they are pulling and I sent this to Problem Solvers on my Local TV station for news. Don't waste your time in trying to get your cash back > Its not going to happen & change your ATM and Checking ACCOUNT NUMBERS RIGHT NOW !!!!!!!
cd1of1 on 08/04/2007:
I had the same problem with ever private they are a fraudulent company and we never appled for a payday loan and still are trying to find out how they got our information we had to contact the federal trade commission about them to get our money back
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Ripped Off
Posted by on
Somehow this company took money out of my account. I never even heard of them.. They don't answer the phone.. It says emails only... It has cost me over $400.. They did it 3 times at $54.95 Then it cost me over $300 in overdrafts at my bank. I am on Social Security. And live on a small income. Now I can not pay this months bills..

Why are these people getting away with this???
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Anonymous on 08/03/2007:
There had to have been some web page where you recently entered in your credit card info to make a purchase. When you placed the order you probably did not notice that by placing the order you authorized Everprivatecard to provide some sort of service. Unless someone has stolen your card info, that's how unwary buyers get charged by them. You can go to Everprivatecard.com and fill out their form for a refund. They will try to keep you as a 'customer' but don't fall for it. If they refuse a refund then close your credit card account and open a new one.
tnchuck100 on 08/03/2007:
Unless I missed something you must have provided information to directly access you bank account. Otherwise the would not be overdraft charges.

NEVER provide your bank account information on the internet. Use only a credit card. You then have some recourse to dispute the charges.

Very few banks will refund your overdraft charges in these situations. It does sound like there was a 'gotcha' on some internet transaction. You may have to close your account and start a new one. If you have your social security check direct deposited this is going to be a hassle to fix.

Do as PassingBy suggests and good luck.
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Theft Of My Banking Account
Posted by on
HOUSTON, TEXAS -- Ever Private Card Service has deposited TWO checks into my banking account without my permission. I know it is very easy for someone to obtain your bank account and routing number. I spent Monday 5/28/2007,(All day) Memorial Day trying to clear this up.
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Anonymous on 05/28/2007:
I'm lost on this one. Why would someone deposit two checks into your account? Was the money yours? Was it a typo error on some clerks part that just needed to be fixed?

This post has a lot of missing info in it.
Anonymous on 05/28/2007:
The day is only half over so you could not have spent all day working on it.
CrystalSword on 05/28/2007:
LOL...depends on what part of the country they are in, but aren't the banks closed today?
Starlord on 05/28/2007:
I was thinking the same thing, Crystal. Actually, anyone can deposit money in any account. banks are not pre-disposed to prevent anyone giving another person a gift. Often, when there is a charity drive, someone will set up an account for the victim of a disaster and advertise the name and the bank, so people can deposit money. On the other hand, to get the money out, you really need the legal right to withdraw it. and that is where banks absolutely get anal about it. I received a bank draft for a considerable amount when my mother passed, and not thinking, my fiance and I deposited it in her bank account. The bank then locked up access to the account for three weeks. Man, was that a mess.
sabletaz on 05/28/2007:
Why are you calling it a theft of your bank account, when they are adding to it? What's the problem?
tnchuck100 on 05/28/2007:
I want the Paul Harvey version: THE REST OF THE STORY!
yoke on 05/28/2007:
If the checks that were deposited and they bounced there would be a problem.
MRM on 05/28/2007:
Jonathon, I'll tell you what you need to clear up on this Memorial Day... your complaint. Please further explain your situation so that it will make more sense to us. Toodles...

***God bless the souls of those who died for our country, and prayers out for the ones still fighting.
Sparticus on 05/28/2007:
Actually my father had something similar happen to him. Someone was depositing checks into his account (less cash back)... the but scam part was they were bad checks! So the scammer was using my father's identity to "cash" the checks and then only withdraw a smaller amount to limit suspicion...
Anonymous on 05/28/2007:
Please explain a little more detail here.

You may have been covered by the bank for overdrafts.
Noneill on 05/29/2007:
Wow! I googled "Ever Private Card Service" and OMG! The complaints were too numerous to count. They are using people's accounts and they get charged NSF fees. I think they need to have criminal charges brought up if it is this bad. Someone wrote that the company is in Montreal Cananda and using an answering service that gets them nowhere. I am wondering how this company gets people's account info. Are they answering a phishing email or what?
Anonymous on 05/29/2007:
Jonathon, sorry about your trouble and I wish you the best getting it cleared up!
grandma005 on 05/29/2007:
Ever Private is some kind of loan company. What she might be saying is she was looking for a payday loan. These people come into your account and take out money with a fake check# like #9999. When you go to their website you get a fake telephone # and fake email address that won't allow you to contact them. They take money out and don't give you a loan. Go to www.complaintsboard.com and do a search on Ever Private Card. They are crooks.
Anonymous on 05/29/2007:
PayDay loan, now it makes sense.
Ponie on 05/29/2007:
Thanks grandma and superbowl. The poster had to have given them his bank routing number for them to have access to his account rather than claim it's very easy to obtain this information.
grandma005 on 05/31/2007:
If you apply on line for any payday loan the information is sold to Ever Private. Then they take out money from your checking account. It makes no difference if you authorized it or not to them. Totally crooks. There are new people getting riped off everyday. It makes you sick to read all of them. If you must get a loan from them go into their store. And tell them they are not to sell your information to other company.
grandma005 on 06/01/2007:
There are 80 complaints listed about Ever Private on www.complaintsboard.com.
wgm2007 on 06/01/2007:
Read my blog if you need assistance with Ever Private Card.
wgm2007 on 06/01/2007:
Ever Private Card is a payment processing agency. They are not a Pay day loan agency. One should be very careful and read all the fine print when putting your banking information into an online form. They are doing nothing illegal. Not moral and taking advantage of people yes. You authorize the trasaction by clicking next it says so in all the paragraphs no one ever bothers to read. I know I was a victim. I was trying to obtain a loan from Christian Faith Financial. Read my blog for help with a refund.
mrs.pawlata on 06/08/2007:
the whole point of the matter is that yes they are doing something illegal. there is no disclosure on christianfaithfinancial.com that tell you your information will be forwarded to everprivate card. this is the statement at the bottom of the page in fine print:

* Christian Faith Financial is a financial matching service - matching prospective borrowers with prospective lenders. Your information may be placed with one of several independent loan companies. Not all independent loan companies will approve you for a loan or can provide you with up to $1,500 on your first loan. We cannot guarantee final approval of unsecured cash loans. Qualifying for final approval of a cash loan depends on various factors including income and the state in which you reside. Christian Faith Financial is not a financial institution or a lender. The independent loan companies may verify your supplied information with any number of independent verification companies including but not limited to: CLVerify, Teletrack, or Accurint.

Therefore, everprivate card does not legally possess or own your account info, because you have not released it to them. Also, when the page pops up, all of the FREE offers are set to no as a default, ever private card is the only offer set to yes.

In essence, everprivate card is not legally attaining your account info. It is clever and confusing what they do, but it's a scam. Pure and simple. A scam.
razorbackfan0974 on 06/08/2007:
I too have had a problem with this company. They advertise on various websites, like payday loans and other sites like that. They are one of the companies that offeres an "Everyone is approved" advertisement for a credit card. If you do not pay very, very close attention to the little boxes that you have to check or uncheck, and accidentally leave one marked showing any interest, then you just gave them permission to take money out of your checking account. This happened to me on May 1, 2007 and I was able to get my money back by fighting with the company via email. Now, they have taken money out of my account again this morning. I am closing my checking account and opening a new one in hopes of stopping them from ever doing this again, but since banking information is way to easy to get ahold of I don't have much faith. I also have told them that if they ever take money out of my account again that I will contact an attorney. Anyone have any luck getting rid of these pests??
mrs.pawlata on 06/08/2007:
You should contact an attorney, don't leave that as an empty threat-MAKE THEM PAY FOR WHAT THEY DID YOU AND HUNDREDS, THOUSANDS OF OTHERS. All it takes is one person to step up and say no more-legally. Start a class action? These people have scammed way too many of us hardworking people.
dretsab on 06/08/2007:
well happen to me this and no my bank said I need to close my account out luckyl I just opend this account not to long ago.Ever Private and if ya look I cannot find a contact number for Christian Faith Financial.seems nice that these people take from us heck I will love to see all the pay advance people go uot of business
razorbackfan0974 on 06/09/2007:
Well, thankfully my bank has been able to turn this thing around for us and we are closing the current account and contacting an attorney.

If anyone is trying to get any information on how to "talk" to these people, you can go to www.contacteverprivate.com. It is strictly through email but they seem to respond rather quickly. After you agrue the matter with them for a bit they will send you a link for you to click on for the refund form. After you fill out the form it takes about 10-12 days before you get the refund check, but you will be able to check back and see every message sent by you and them on the matter. Also, here is a phone number to contact them (514)868-2092 and the hours of opperation are 8am-8pm EST. There is a toll free number (866)379-5984, but I didn't have much luck getting out of the automated loop with that one!!

Thank you all for your comments and postings it has helped greatly in dealing with these people! If I get any more information on them I will post it as well and to those of you still fighting the battle, good luck!
razorbackfan0974 on 06/09/2007:
I forgot to mention, the service that they said I had bought was a "virtual credit card" that could be used online or over the phone like a regular credit card. If anyone wants it I could try to paste a copy of the "explanation" they sent me on here?
gr8drvr on 06/11/2007:
they did the same thing to me, however its not so easy to get my bank to refund the money, they are thieves, I wish there was a way we could all get together and sue them
therailer86 on 06/14/2007:
I found out tonight that I got charged 49.95 by everprivatecard as well, I had no idea what the heck it was, but thanks to all of everyone that has posted in here, I know what to do now. And I agree we all need to get together and sue these clowns because this is just like stealing $50 bucks out of your pocket....
thack on 07/05/2007:
I need a refund for my 49.95
Chess07 on 07/05/2007:
AntiBrite on 07/10/2007:
wow. I'm shocked to see this happen to so many people. It happened to me this morning and from all the comments, it looks like I may have to close my account and reopen a new one.
Andrew Colton on 07/19/2007:
IF you have ever applied for a Cash Advance or Pay Day Loan your information is up for sale and these THEAVES FROM MONTREAL CANADA will get your information and generate a fake check number #9999 and take money out of your account even if you did not apply for a loan with them. ONE OF THE REVIEWS SAYS IT HAS HAPPEN TO THEM 3 TIMES. So apparently if you change your account # and then apply for another loan they will get your new info again and take more money so you will have to change your account number every time you apply for a loan don't trust > Christian Faith Financial services either.

Christian Faith Financial
themomma on 08/21/2007:
Everprivate also stole $54.95 from my checking account. Duplicate situation with me, I applied for a payday advance loan through Christian Financial - and then check no. 9999 cleared my bank account payable to Everprivate Card. I attempted to file a form Federal Reg. E at the bank and was told since it was a "paper" transaction that I could not. However, my bank is working on trying to help get my money back. I contacted Everprivate through the "800" number the bank had listed, was referred to an email address, sent several emails, got lots of automated answers and finally referred to the refund site. I followed procedures with the refund site and was told I would get a refund within 10 days - and 15 days having past, no check. Not surprised. These people have to be stopped. This is ridiculous.
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