Ok heres exactly what happened. I applied for a payday loan with usfastcash.com origonally for $500 filled in my info, bank info, and work info. I then called usfastcash.com after I applied for the loan and was told that I was approved for a loan and that I would recieve the money within 24hrs and I would recieve a e-mail from usfastcash.com with the terms of my loan such as how much extra I would have to repay and when the money would be taken out of my account and how much each time.
Two days later I recieved a direct deposit at my bank for $200. I then called usfastcash.com and was told that I would be recieving a email with the terms of my loan. It has been 3 weeks since I recieved the 200 and I still have never recieved ANY e-mail from usfastcash.com. I recieve a pension check direct deposited into my bank account on the 1st of every month so I called my bank yesterday to check if it was deposited and was informed my bank was in the negative over 600. Aparently usfastcash.com has been trying to deduct money from my account on numerous occasions and since the money was not in there each time I was charged $34.00. I called usfastcash.com and they were very rude I told them that i had no problem paying back the loan and whatever fee came with it but i was not going to be paying the overdraft fees from my bank because i never recieved a email from them letting me know i was approved or how much extra i would have to repay or even when the money was going to come out of my account. They told me that it was not there problem that they put the money in my account and that they just wanted there money back and that they dont have anything to do with the overages thats the banks fault and that there was no way they would be repaying them. I called my bank and they said that since usfastcash was the company trying to take out the money and it was there fault that the overages were there that usfastcash would have to repay them fees and that it was not on the bank which makes sense. What should i do its just getting out of control usfastcash even said to me at the end yes we been trying to take money out and were going to do it again on friday. I did not authorize them to take money from my account and never recieved a email on when money was to be taken from my account or ANY email from usfastcash at all for that matter. When i was on the phone telling the supervisor this he said he sent me a email with my username in it and i never even got that email and he said that its my emails fault and that i was responcible for my overdraft fees and the loan fees!
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