I input my personal info on a couple of websites (ooooooooooooooooops!) and received a call one day that this company called clear choice credit solutions wanted to sell me a book for $200 full of all sorts of credit information and list upon lists of bank and financial institutions that work with people who have bad credit.
I at the time was driving my 1987 toyota camry 43 miles one way to work to make $7.50 an hour (yeah-pretty dumb huh?) and was absolutely desperate for a new car. I told the broken-english-man i did not have $200 to pay my rent let alone buy a book. Then, out of thin air, i automatically qualified for a payday advance of $500 payable in 6 months-of which of course they would deposit into my account and then take the payment for the so called book out of that.
I thought "cool! I can pay rent and look for a lender for a new car!" so of course i gave the dude my banking info and hung up the phone. I immediatley thought of some stupid questions i wanted answered and called the number he gave me-not in service. I researched the company on the internet-non existable. I contacted my bank at the time (unfortunately for me it was wells fargo-i also have a consumer complaints on them for this same story)
Anyhow, i immediately called my bank and explained that this fraudulent company had my banking information and what should i do (???) the gal i spoke to said i should do a "stop payment" on the check-i did not do check over the phone, i just gave them my information so that they could do a deposit and a debit. She said "oh, well in that case if they overdraft you account the only thing you can do is take them to small claims court" hahahahahahaha! I was screwed.
I called my bank to notify them i had a $0 balance and someone had my account information but stupid wells fargo gave them $300 and overdrew my account to $340 with overdraft charges, closed my account since it was overdrawn too much, and reported me to chexsystems. Ba*ards.
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