low pay inc has overdrawn my checking account of 102.95 and i want it put back in there.

I received this card in the mail. Called to see what the card was about. Thought that I accidentally activated the card. Did not want to be charged for something I never wanted. Called to confirm that I did not activate the card and was told that I did not. Received a charge on my bank account and a "Welcome" packet. Called to complain that I was told it was never activated and I was charged without my permission. Was told that I would not and could not get that fee of $79.00 dollars back. But was told that they would not charge me the remaining annual fee of $189.00 and I could be done. So basically they get you with the activation fee and never give it back.

In the last week of November 2008 I recieved a Low Pay redit ard in the mail. i was curious so i looked up the email address on the back of the card. I found four steps to follow to activated the card but after the 1st step i became confused and decided to contact them phone. After speaking with a lowpay rep who seemed just as cunfused as I was, I decided not to go through with it.I told the gentleman that I was not interested and he informed me that there was none of my information in their system and i had nothing to worry about. About two weeks later $79.00 was taken out of my account. I went to the bank and it was taken out by lowpay in check form. i then called lowpay and a rep said that the $79.00 was non-refundable and another $ 120.00 would be taken out the next day and would be refunded once i received a catalog no later than December 19th and sent it back. About a week later the money was taken out but i did not receive the catalog until December 29th. It nearly ruined my Christmas! I then read the return instructions carefully and realized I had to get a refund number by phone. When I called I had the option of pushing 3 to make a payment and 4 to get a refund number. ver time I pushed 4 I was put on hold for up to 45 minutes, but when I pushed 3 to make a payment i got right throught. So I asked a payment rep if she would put a refund ep on her phone intead of puting me on hold for 45 minutes she declined saying that they were in another building. hen I asked her which building that was she told me none of my business! I was furious! I finally got a manager on the phone and she told me that the only way I would get a refund is if I paid a $99 fee on January 1st 2009 or I could just forget about the other money and she would wave all fees. I told her i would do none of that and she gave me a refund number and I sent the catalog back and went to the bank. At the bank the teller put a block on my checks and gave me a fraud packet. I had to then go to the police station and turn in a police report. After about 2 weeks an investigator contacted me an assured me that it was a fraud situation and informed me that the company was not in Los Angelos as they claimed but in Beaverton, OR. He also gave me your email address and encouraged me to contact you.thne investigator was officer Bill Gibbs at the Williamsburg James City county Sheriffs office (757) 259-5164. o this day my checks are still blocked incase lowpay finds away to get back in my account adn since i was recently layed off i cannot afford to chance it until this company is stopped! I have not receive one penny of my money back from lowpay even though i returned the catalog on December 20th 2008, that is not surprising since the address they gave me is in California and the real addrees is in Oregon.