This is BS, I sent a letter to consumer banking and they are looking into this BS. My bank has also issued fraudulent charges to this joke of a business. This is a very dirty way to do business. If you are that desperate for money you should go get a real job and work plenty of overtime. Because what goes around comes around. Now this business is going to fail. Here's a tip for you: When you open a business thats suppose to help people, you should always be very clear with the fees. Being upfront shows integrity and being ethical is what make people come back and spread the word. What you are doing is dirty, rotten, and scandalous. I'm glad that there are so many complaints that if you google it complaints are the first thing people see, I pray that people read this before signing in for this crap of a scam. Good Luck, LOSER!!!