I applied online for a short term cash advance (payday loan) through multiple sites that require you to give bank routing and account numbers before they let you know if you are approved or not. Apparently one of those sites gives your information to a company that takes money from your account rather than lending you money!
I don't recall specifically applying to Last Chance Cash Advance and I learned from previous experience to watch for hidden "deals" on these websites. I discovered today that $33.98 was withdrawn from my account, paid to www.procustserv.com with a phone# 866-575-0356 *Procustserv.com in the memo of the check. I called that number immediately and was on hold for some time.
The on hold message gave a website, www.cancelidtheft.com, to go to if you believe you were enrolled in error and want to cancel your subscription and request a refund. I went to the site and cancelled and requested the refund and was informed it would take 72 hours to process my claim.
I finally spoke with a customer service rep who just kept repeating it was the company's policy to wait 72 hours. I demanded an immediate refund and of course got nowhere. I then spoke to the "supervisor" who gave me the company owner's name, Jay Thomas, and the address in Phoenix, AZ. She also informed me that I would not see the refund in my account for 7-10 days!
I plan to contact the BBB, the state attorney general and the federal attorney general offices and anybody else I think might have some authority to stop this person or persons who are fraudulently stealing money from bank accounts! I will update here with any additional information. I also plan to contact my bank to inform them that I did not authorize this transaction!
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