I woke up today to see my account overdrawn by a $30 charge by then that I did NOT authorize. I have no idea who these people are! I called the 866 # they list and spoke with 2 different people. Neither one of them wanted to help me and told me there was no way they'd refund that money. They said I could complete the application process and it would be deposited in my account, or if I didn't, they wouldn't refund it. I have contacted my bank for FRAUD.
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