I had the same experience as everybody else with this company. $30 taken out of bank acct with out permission or knowledge. I never applied for a loan, or gave out my bank info. I was also getting phone calls for a few days before the withdraw telling me I qualified for a loan. I insisted I did not want a loan, and take me off the call list. Well, few days later my acct is short $30. I filed a complaint with my bank, and my money was immediately refunded, by my bank. They filed a fraud alert against Vantage. I also called Vantage Funding myself. They kept insisting that I just go ahead and "take the loan". I insisted I did not want it, nor did I apply for it. I wanted to be removed from their system. Once I told them my bank was filing chargers against them they immediately apologized and offered me a gas card. I also filed complaints myself with the BBB, FTC, some internet complaint thing, my state attorney generals office. Complain about this company to whoever you can. I have no idea how they are getting people's banking information, but the more complaints against them, the quicker they will be shut down.