This is the letter on file with my investigative unit (sorry about the caps, but this is how they filed the report and how it reads on my system):
I applied for several loans on-line because i was in a rut to pay some bills. About a week later i was viewing my bank acct. Online only to find several companies or services had debited my acct. For their member fees or services to which i had never heard of.
The amount of 31.85 every 14 days taken from my checking account was neither agreed upon nor authorized by me or anyone on my account. This resulted in overdrafts and a big mess paying bills that are set up to auto-pay on my banking acct. This led to the money not being in my acct. At the time because of this ripoff company that is fraudulently stealing from my bank acct.
They hide behind unopened pages of loan applications with their service fees. The page that opens automatically answers yes to the questions of "do you want to join or not". I found this out by having to reenter some unanswered questions on the loan applications, which i promptly opted out for.
After the first incident of unauthorized money being taken out of my account by this company i called both the company and my bank to report fraudulent activity. The company said that they were canceling the services and would refund my money. Not only did they not do that, they are still taking money out of my account every 14 days and refusing to refund me the amount of $191.10, so far to date, that they owe me.
They have only reimbursed me $31.85. When i called to ask why they only reimbursed me for one illegal transaction instead of the 6 illegal transactions they did, i was informed it was "due to the fact that you just recently cancelled your service with us". As this was not the case, i informed the girl on the phone that the first time i called was 09/24 and have been calling every 14 days, as the company was still fraudelently taking unauthorized monies from my account.
When i try to email them about this the email comes back now as non-deliverable. When i try to phone them now, i get someone saying the number is a private residence.
Due to the fact that i was told that the company would put the money back into my account (and they didn't) and it has been over 30 days, my bank now says i have to resolve this issue with the company. (i still have filed an identity theft order with my bank against this company).
I have tried for 4 months to get my money back and now feel that the company should pay for my overdraft fees and returned check fees, 9 charges from my bank and 9 charges from the companies that i had set up for automatic payments, which total $630.00 caused by their illegal activities. This is the reason that i am now taking legal action against this company with your firm and seeking the full restitution amount of $820.10
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