I applied with several different payday loan companies over the internet just before Christmas, but I didn't accept any of the offers because the interest rates were too high.

When I checked my bank account on December 29, 2008, I noticed a check for $29.95. I don't often use checks and I didn't recall writing a check for that amount so I clicked on it to view the image. To my surprise a company called IDOnlock had electronically deducted this amount from my account.

Immediately looked the company up on the internet and called customer service, at which time a representative who barely spoke english informed me that I had signed up for their services via one of the payday loan applications I had filled out on the internet. She could not tell me which company exactly, only that the fee was non refundable.

I told her my situation and still she just kept repeating that the fee was non refundable. So I'm out $29.95, plus the overdraft fee because I didn't have $29.95 in my account to be deducted, at a time when I am already so financially strapped that I was willing to obtain a payday loan at such an astronomical interest rate that I don't even want to put it on here.

In essence, a company claiming to want to protect my identity actually stole my identity and wrote themselves a check! Beware when filling out information on the internet.

company went into my bank account without my consent they said got a payday loan and i have not gotten a payday loan of any kind so i dont know how they got into my acct i called and ask for my money back and a rep by the name of ruth advd me that she would cancel this and have my money put
back into my acct on 12-12-2208 as of today 12-31-08 it has not happen when i called them today thay told me that the 29.95 was non refunded i advd tham that was not waht i was told i ask for a sup and they refuse to let me speak to one alex advd me they werew in a closed door meeting then he hung up on me i called back and got him again ask why did he hang up said he was not talking to me so i ask for the sup again then he wwent on to say his boss left sick i told he he was telling a lie because of the previous conversation i am vey upset that this company has taken my money out of my acct without my consent and something needs to be done about it not just for me but for everyone who has been sucker into this scam its wrong i dont even know how this happen

I received a Welcome email on 12/8 from IDOnlock, I called them to cancel that subscription because I didn't sign up for it. I spoke with a rep named Gail, she gave me a cancellation confirmation number and advised me that no charges will come out of my account for the Free Trail.

On 12/12, I checked my account and seen that on 12/10 a debit was posted to my account for $29.95 from IDOnlock. I did not authorize this charge whatsoever. That's why I called to cancel because I did not sign up for this service.

I called them on 12/12 and I spoke with Joyce another rep. I asked to speak with a Supervisor because I wanted my money back. She claimed there wasn't a Supervisor available and that I could get my money back.

I don't understand how a company can get away with setting people up for their services, and when that person cancel, they are still being charged. How can they take someone's hardworking money without their consent. If anything we need our ID protected from these companies who claim they are protecting our Identity.