A company called USA Benefits has been debiting my savings account at my financial institution since September 26. There have been six other debits since this date. The most recent debit was withdrawn March 30. As of today, USA Benefits has taken a total of $69.65 from my account. I realize that I should have taken action upon this matter months ago, but I assumed that this fee was being withdrawn from my account as some monthly membership fee for supplemental insurance that I have through my job.
Until recently, I was unable to pull up any information on USA Benefits. This struck me as odd many months before, which is why I typed in the name of the company once again last week, just to see if any information would appear. I later found that on this website, other unknowing individuals had monies debited from their checking and savings accounts. Supposedly, this company gained my, and others information based on contact that we had with a payday loan company. I admit to applying for payday loans online, but I have NEVER authorized this company to debit my account at anytime.
I contacted USA Benefits on March 30th and spoke with a representative who verified that the company did in fact, get my information when I applied for a payday loan on July 11. The representative then explained that I would have had to click on a box that said yes, I agree to have my account debited monthly for credit report services provided through Trans Union, including credit repair and viewing my actual credit score. I know that this cannot be true, simply because I am already working with another company who provides the exact same services, and who also debits my account monthly. The representative then said that I received a conformation e-mail for these services on July 14. I asked if I could receive a copy of that sent e-mail, and I was informed that it would not be possible, because the e-mail was an automatic computer generated message. This makes no sense to me if the representative can track the dates that I signed up for the payday loan and the conformation e-mail. I have offically ended my "membership" with USA Benefits today, April 4th.
On March 31rst, I went into my fiancial insitution and requested a Federal Regualtion E form as suggested. The representative that was dealing with me gave me an adfidavit for fraud to fill out for each unauthorized debit from my account, which according to the representative, is the exact same as a Federal Regualtion E form. However, even though I pressed further, the representative assured me that my financial institution would only return funds that were withdrwan within 60 days. So to date, I have received a total of three refunds in the amount of $9.95 to my account. That still leaves 4 unaccounted for. I have already reported this financial institution to the Michigan Banking Comission, and I'm currently waiting to hear from them.
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