
Prudence of Snellville, GA on Dec. 12, 2009
To begin my story, one of my last child support payments was submitted to Georgia EppiCard January 17, 2006 for $150.00. The funds were used by me for my children, and once the account was at a zero balance, I no longer needed to utilize this card until I received my next child support payment. Who new when that would be, so I put the card away. Well, behold, the next child support came 12/1/2009. The funds of $300.00 was deposited to my Child Support EppiCard account on 12/2/2009. My children were excited, especially since the money came during the Holidays. I made a promise to my son and daughter that when the funds became available this would be their money.
I then realized that the EppiCard that I had in my possession about 5 years ago expired so I destroyed it about 1 year ago. I called EppiCard to request a new card. I received the card 12/10/09 and called EppiCard to activate it 12/11/09. I then checked my balance. Here's the deal, the automated system confirmed the child support deposit of $300.00, however I had a $0.00 balance! How could this happen, especially if there hasn't been any activity on the card in 3 years? I checked the last 10 transactions, the automated system gave me a list of transactions called "$25.00 adjustment fees" that were hitting the account from what sounded like 2 to 3 times a month within a 3 year period.
I then called EppiCard Customer Service, spoke to a Customer Service Representative by the name of Dave, who gave me the absolute run around, refusing to cooperate with me. He stated that he could not assist me until I access my bank statement online through EppiCard.com. I did as Dave instructed, setting up a login ID and password, this took about 10 minutes, I checked my transactions and noticed maybe about 2 transactions done by AOL, but it was not for the $25.00. The system allows statement history back from January 2006, however, the statement history does not show the existing charges.
I called back, this time speaking to Edgar in Customer Service, he told me to call back within 2 hours to speak to someone in the Financial Department. During this time, I asked my boss if I could go down to the child support center which meant time off the clock. Got down to Child Support enforcement, explained what took placed, the agent told me that once the child support is submitted to EppiCard, Child Support is no longer responsible, therefore I must go back to EppiCard. By then it was 10:00 a.m., time to call EppiCard Financial Department. This time I spoke to Lewis in "Disputes," explained to him that I had several unauthorized transactions that have hit my child support for $25.00. He then confirmed with me that a total amount of $356.00 was owed to AOL and that the $300.00 that I received in Child Support had obsorbed most of the outstanding charges! How could this be possible, when I never authorized AOL to charge this account! I explained to Lewis that this was not an active account since I did not get Child Support regularly. Lewis said that these service charges were what they called "Forced Debits" that AOL had been doing to this account for 3 years. My question to Lewis was, if this had been taking place for 3 years, why didn't EppiCard Alert me or Child Support Enforcement so that the account could be closed or frozen? He stated that this was a government account and EppiCard was not responsible for alerting anyone of any suspicious activity. Lewis also mentioned that AOL is still Force Debiting the account, I then requested that Lewis close the account. He said that was not authorized to do this again because it was a government account and I would need to contact Child Support Enforcement to do this.
I asked if there was a Fraud Dispute or was there something else that I could do to recover money that I did not authorized to be debited from my account. Lewis then informed me that because this had been going on for 3 years, I was outside of the 90 day grace period to file a dispute for the incident. He also recommended that I contact AOL regarding the charges, which is what I did; I called Mark from AOL in the Fraud Department, he said that he would be more than glad to credit the funds account back, however he would need the original card number because this would be the only way he could trace the transactions that took place. I didn't have this, I destroyed the card and it's been 3 years. But it's okay all I need to do was contact EppiCard to get this number. And I thought again, Why would I have this? This is not an active card that I use because I don't get regular child support. The last time I used this card was in 2006! I explained that I could not provide this information but would contact EppiCard thinking that they would gladly provide me with what Mark of AOL needed.
I contacted EppiCard again and spoke to Maria in the Financial Department, she informed me that even though EppiCard had the old credit card number, they could not give it to me!! Why, if this is my card!??? Maria explained that this was EppiCard's policy! I then practically begged her to join in a conference call with me as I contacted AOL so that we may be able to come to some type of agreement on what AOL could accept to possibly access this information. AOL again stated that they must have the old debit card number to access this information! Maria responded back to the AOL rep and informed him that EppiCard's policy is that they could not give this information out! Great support from the company that's supposed to be carefully watching over my Child Support.
So my question is who is being uncooperative here? The financial institution who I depended on to protect my account, however EppiCard allowed these transactions to continually hit my account for the past 3 years without informing me. Maria was kind enough to go out on a limb and try to override the dispute policy by submitting the dispute despite the fact that this was past the 90 day grace period. In the end she basically told me to keep my fingers cross and hope that EppiCard will accept the dispute and provide the old debit card number, however there are no guarantees.