I was online applying for a payday loan. And I needed money to pay bills. Why would I apply for an online store? When I saw the debit to my account the very next morning. I immediately called the number that was on my statement. They gave me the same story about what I had to do in order to cancel this and get a refund. I did everything they asked and then a few days later I received a letter in the mail stating they needed additional information like a copy of my bank statement showing the debit to my account and the nature of my dispute and my signature. They knew they took the money so why would they need to see all of that. I sent them the information they needed so they could see the debit.By the way When I called I was given a cancellation number the next day.
I mailed this on the 20th of August and now it's the 11th of Dec I have not heard anything. When I called the 800# the lady told me this is what they do. They keep sending letters to people asking for certain things, to holdup payment. My bank also told me since this was a authorized payment as they saw it I had to call the merchant. If this was taken from my credit card i could maybe just have the charge reversed. But since it came directly from my account, I couldn't I'm going to take some of these dispute letters to see what my back will do now. I just found these other disputes on the web.
I am going back to my bank and filing an unauthorized dispute form and have them go after them. I hope they do get caught. I called the 800 # again to see if they received the information they needed and wouldn't you know out of all the letters I sent them they said they never received this one. Also I tried to go on their site to see what is on their store to buy and the website is not good. Why is the Atty General in Fl not doing anything about this. Maybe we need to write them.
Liz
Inglewood, California
U.S.A.
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