I applied for a payday loan on the web and after looking at a site to choose a company to deal with. Even before the first payment was made, there was an unauthorized charge in the amount of $99.00 taken out of my account, along with an od charge of $32.00. I did not authorized this at all, and nowhere on the website did it state I would have to pay any kind of fee for finding the payday loan site. If I could afford the fee, then I wouldn't have needed to get a payday loan