Okay, I had an emergency arise and found myself in need of a payroll advance loan. I applied online for this loan "which i now realize was a mistake".
The very next day when i went to check my account balance i noticed that along with the payday loan being being deposited, there was approx. $150 in withdrawls from my account. The first thing i did was contact my bank to inform them of what was happening. The withdrawls were from two companies, USA Credit and Imagine One.
Fortunatley, I am a member of a bank "Key Bank" that pust customer satisfaction at the top of their priority list and this was immediatley handled.
But, when i contacted this "USA Credit" the lady told me that the payroll advance i had applied for was a 3 in 1 application which included the payroll advance "which i knew about" But also an application for this "Guaranteed $7,500 Credit Card"
There must have been something else that was included in this application because she mentioned it being 3 in 1 but i am yet to discover what this third thing is.
The first question that I asked after she told me this was: "Will you please explain why I would be applying for a payroll advance" She than responded "Well you must have needed money that you didnt currently have for something"
I responded "Exactly right, than will you please tell me why i would authorize you to take over $150 out of my checking account that apparently didnt have any money in it?"
She immediatley began to change the topic of the conversaton. At first i made a polite approach and stated that I would be willing to put this behind me and not get my bank involved if you would kindly cancel whatever it is that i supposedly applied for and refund my money. She said that it she could not guarantee that my money would be refunded and even if it was, there would be a $35 termination fee and i would have to send a copy of my bank statement to her.
Now, this was too much. Why would i even think about sending you a bank statement? I may have been born at night, but it wasnt last night!"ok, i made the mistake of applying for a payroll advance online, but how stupid did this woman think i am?"
So, in closing, this company USA Credit which is affiliated with Imagine One, is a company who is run my scam artists and thieves. I had to close my account and open another one with somebody else. Next, I contacted the payroll advance company and stated that my bank account is now closed and you wont be able to automatically deduct my payment but could you please send me the mailing address so i can mail my scheduled payment to you via money order.
I still havent gotten a response from them on this "the first payment is due today" but common sense tells me that if this was a 3 in 1 application that the payroll advance people are in on this as well. I plan to pay back the loan in full as agreed but they will not have access to my account to make automatic deductions. They will have to be paid via money order.
If anyone has had a similar experience, please respond to this post and let me know what i should do next. I dont want there to be problems with this loan company thinking i am running off with their money because i am not, but i learned my lesson about giving account info online and ill be da*ed if ANYONE will get access to my account like this again.
Amg
mytown, Alaska
Canada
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