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Several days ago I was looking online for a payday loan company. I found none that I wanted to do business with, so gave up my search and went on with my business. Today, while checking my bank account, I noticed a pending debit in the amount of $30 with a number (866-210-1236) preceding the name “iLenderNet,” which was short for “iLenderNetwork.”

I contacted the number and was put on hold for about two minutes by their automated operator. An answering message told me to complete my application at www.yourloan101.com, then I was placed in a conference room. The automatic operator informed me I was the only person in that room, then disappeared. I tried to dial back, but the next four attempts did not go through. When I finally reached someone, it was a woman with an accent I couldn’t identify. She asked how she could help me and took my information, but after getting my e-mail and name, I stopped giving any more information and asked what was going on. She then proceeded to read me a prepared litany and completely ignored my when I spoke. I even tried to raise my voice and demanded to speak to a supervisor. She hung up.

After finding my bank had no interest in stopping a fraudulent transaction without making me close the account and open a new one—which I had to do before the transaction went through if I wanted to stop it—I called back. This time I spoke with a man, again with an unfamiliar accent, who explained that when I had visited their site I had somehow applied for a loan that said they’d take the money out of my account to the tune of $30, then within 30 days following that transaction, I would be approved for a “loan that you didn’t have to pay back” for up to $300.

I finally managed to get it through his head that I did not want to avail myself of his company’s “offers” and he said there would be a refund within 4-7 days of the date of the original debit, which was 11/30/2011. We’ll see, but breath will not be held.

An interesting note: while the recording told me to visit www.yourloan101.com and the bill came through as “ilendernetwork.com,” neither of those addresses appeared in my browser’s history. (I have auto-complete turned on.) Auto-complete could not predict or complete either address, indicating that I had not, in fact, visited either site before. Their access to my information came through another website or one of their affiliates, not from me. Something worth checking on your own, I’d say.