I applied online for a payday loan on a Friday (Holiday weekend) when I found out I wouldn't receive the funds until possible Tuesday or Wednesday of the following week so I didn't accept the offer.
I noticed I had a NEGATIVE balance on my bank account and started investigating the offending charge. I saw this "check" in the amount of $48.88 with my signature on it from this ridiculous vendor I had never even heard of! I looked up the website and spoke with somone in "customer service" I informed them of the situation and asked for a credit back to my account, they informed me that they had NO RECORD of an account or subscription for service with them so they could not issue me a credit. This person told me to "get with my bank to resolve any issues"
I contacted my bank IMMEDIATELY after that call and reported the issue to the check fraud department. I am receiving the debited funds back plus the TWO overdraft charges I incurred because of this UNAUTHORIZED transaction.
DO NOT APPLY FOR A PAYDAY LOAN ONLINE!!! There are companies like this that take advantage of people who are strapped for cash and unauthorizingly debit what little money they still have in their accounts!
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