i applied for a payday loan through a referrel service, and they took 99.95 out of my account for some platinum card for online merchandise, i never recieved a notice or email about it and i never ecieve a product from them, they took 99.95 out of my checking account without my consent and they refuse to pay it back after i call them several times, i spoke to someone on friday the 19th of august vbery angry and they said they would put the money back in 5 business days and i want ti back now, now they are saying they dont refund the money and im very angry if i can get some help for myself as well as others who havbe been schamed by then please give me some help im going to fbi for fraud and theft of services.