A few months ago I was looking to find some quick cash to purchase a car that was being sold from a private owner for my son. I needed $2900 but could only get a $loan from several companies who contacted via phone for confirmation for $1000. I declined the amount because it wasnt enough and the interest was too steep. I never got a call from vista.instead they deposited $200 in my account without my authorization. Not realizing this I inadvertly spent the money. I get child support payments and other direct deposits so it is not unusual to get small deposits from various companies. I noticed a month or so later that a withdrawal of $60 was being taken out of my account for a total of $180 every pay period. I called my financial institution to discover Vista was removing the money. When I contacted the company via phone call a rude representative over talked me very defensively saying that a so called email was sent to me (which I have yet to find) to confirm or deny the transaction. She said since I spent the money and did not deny the transaction they were entitiled to take the fee from my account. I said I did not recall even speaking or submitting a request to their company and she told me they got the information from my information on internet. The scam is they put an undetectable amount in your account from the information on the web. They then supposedly sent an email for a confirmation or denial. Since most people do not always read their emails in a timely manner they pretend they sent you one. I checked my trash box, inbox and to this date didnt find that email. But because they money is spent they are allowed to retrieve the money from your account. To add insult to injury they charge a huge 150% interest rate. So, for a $200 loan the victim is charged $46o! No one in their right mind would consent to that outrageous loan. If they would just take the money that was spent that would be one thing but to actually steal back the money spent at a rate of 150% is criminal. This company is a forreal rip off and should be prosecuted for unlawful access to a personal account based on a fradulent loan
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