American Cash Advance
Queja 121931 Detalles

I get a text into my phone from my bank indicating that my account is overdrawn $65.09. I call up my bank and they say there is a $30.00 fee that is labeled Cash Advance, Advance Payday for $30.00. I do not agree with the charges and ask to be sent to the bank's check fraud department. I get a nice representative on the phone who is willing to do a 3-way call to American Cash Advance. A person with broken English says that I was pre-approved for a loan through their company but yet I had not signed up with their services. I do remember entering my name, contact info, and banking info onto a lender affiliate website. When I went to cancel this loan that didn't even exist and get my $30 back that was not even authorized, I was told that I could keep the $30 charge and they would send me a $100 gas voucher. They were relentless when it came to the refund. It was only after being told about 4 times (and I don't take all the credit because without the translation of the bank rep to me about what this agent was telling me, I probably would have only understood 10% of the phone call) did the rep finally agree to refund my $30. The bank rep translated back to me that this agent said I would get my refund of $30 in 3 to 5 days but she had to tell me the standard 15 days it would take to receive it. I am very upset at this company and will do whatever it takes to get my refund if it is not received during the standard 15 days told to me. In the mean time, my bank charges $35 for every 5 days that my account is overdrawn so this $30 charge will end up costing me $105 in bank fees plus $30 from the payday loan company for a total of $135. I don't agree with the $35 overdrawn fees but I am more upset about being signed up for a loan I did not prove or "pre-approve" according to the loan reps words.