I spent a good part of Dec 19th looking for a cash advance to cover expenses. What I got instead was an unauthorized withdrawal of $31.98 from my checking account.
I downloaded the terms and conditions of the identity theft protection plan (that I didn't buy or in any way knowingly authorize my participation), and it gets even more ridiculous, as it is ridled with bogus claims like:
YOUR [sic] agreement;
Once YOUR [sic] application is submitted, YOUR [sic] initial electronic payment authorization is irrevocable (On what planet does a consumer not have a right to return a product or service they never bought?)
And here, my friends, is the most laughable of the terms and conditions:
If YOU [sic] believe that the purchase of any product or service associated with this Website, including YOUR [sic] participation in the PROGRAM [sic] was fraudulently charged to YOUR [sic] bank account, upon proof of the fraud, YOU [sic] may elect to... Terminate YOUR [sic] participation in the PROGRAM[sic] and receive a REFUND [sic] of $31.98 plus the amount of any overdraft or bank charge incurrred...
What sort of delusional clown wrote this bogus contract to support an unlawful and fraudulent and unauthorized withdrawal from my bank account? I don't have to PROVE FRAUD— I AM A VICTIM OF FRAUD and that FRAUD is one example of the many claims of fraud posted on this site, perpetrated by this company. Proof enough for me, proof enough for my bank, proof enough for the Commonwealth of Massachusetts, proof enough for the FTC and proof enough for the LEGITIMATE fraud protection I have bought every year from a legitimate company.
What I need is an actual physical address of this company and the name (s) of its owner (s) to pay a little visit to this den of thieves.
If you think you need a cash advance— think again! I got my advance the old-fashioned way: I borrowed against my reputation. Companies like LastChance Cash Advance and TrifectaCArd are in cahoots with thieves and should be fined, put out of business or subject to imprisonment.
We as a nation need to get our collective acts together and demand harsher criminal penalties for fraud and internet theft.
Fool me once
Medford, Massachusetts
U.S.A.
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