My husband & I are financially in a bind right now. He is switching to union and we will soon be making more money, but right now things are bad. Obviously or we wouldn't have been looking online for payday advances. We didn't follow through on any because of the 482.9%APR and such.
We were VERY careful about unchecking all the boxes asking us to be enrolled in various credit repair programs, etc. Today when I checked our bank account we had $0.88 left and on the top line was idcustserv.com for $31.88. I pulled up the website - had never heard from them before and I know we didn't sign up for this!
Well while cancelling they say, are you sure - how about paying 24.95? I said no. They said are you sure, how about 14.95. I said NO. They say = how about 7.95? Are you kidding me? If you offer as low as 7.95 how do you feel good about yourself charging people 31.88??
So I cancelled and started a live chat and asked "Jeff" to refund our money. He gave me their refund link page, which I filled out. It said it would be reviewed and if I am elligible I could have my refund in 72 hours.
This is an awful scam - preying on people who are already financially a little down then taking the last of their money! We have 4 days till payday and. 88 to support 2 kids. No diapers, no milk, very little gas (which I have to use to drive 10 miles to the nearest Coinstar and eek out at least $15 I hope.) Please bring attention to this horrible website. It doesn't matter if you don't take a payday loan, if you check NO to all the further solicitation. An Identity THEFT program is going to ROB you of the last few dollars you have anyway. I feel sick inside right now and just wish I could undo the last 24 hours.
Following is the live chat/customer service I received:
Jeff: Hello, how may I help you today?
(REDACTED FOR SECURITY PURPOSES)... com: not good at all. You debitted our account today and left us with. 88 for 4 days and I have a 3 yr old & a 10 mo. Old. I have no milk, no diapers, and we are already on our way to coinstar to see how much we can get out of our change jar. Then I saw that, and I am having a hard time not bursting out into tears. Please please tell me you can refund it and cancel. Please.
Jeff: May I have your first and last name please?
.com: Michael...
Jeff: Could you please verify the last four digits of your social number?
Com: not even sure where this auth came from. I did some research on payroll advances yesterday but didn't take any and made sure I didn't check any of the boxes that were these junk offers for credit repair, etc. Was this one of them?
Jeff: We received an application under your info for Identity theft insurance protection, when you were applying for a pay day loan it brought to our application page where you were offered 3 products under 1 application and one of those products was Identity theft insurance which covers you financially for ID theft for up to $20,000. The insurance plan does cost you $31.98 per month
Com: I just cancelled it and looks like you go as low as 7.95 for coverage so why would you charge us 31.88? Are you looking into something, hello?
Jeff: Service has been cancelled
Jeff: If you feel you were billed in error or by mistake please visit www.idtheftrefund.com and fill out a refund request form. Filling out our online refund request form is FAST and EASY, all refunds requests are reviewed and refunds are issued with 72 hours for those who qualifies for a refund.
.com: what is my cancellation id # - same as member id?
Jeff: 24*
Com: well i hope you guys feel good about taking people's money unwittingly when they are already desperate and searching for online payday loans. You know people don't look for loans when they have money to spare. And now we are left with. 88 and you say if I am qualifying I will get my money back in 72 HOURS?! Am I supposed to support my family on. 88 for the next 3 days? We were already hurting with $32 and some change to take to coinstar. Now I have to pray I have atleast $15 in change. You guys are awful awful awful.
Com: And how is it NOW I feel like a victim instead of your supposed helping???
Sara & Michael
Kuna, Idaho
U.S.A.
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