I applied for a payday loan, read over the terms and did not see anything for this so called "theft protect service." I didn't authorize this nor remember anything about them in the agreement. I didn't receive the payday loan but I did see a charge on my bank statement for them. I called the number on my bank statement and after a 2 minute spiel about theft protection was on hold for about 3-4 minutes. I told the rep that I didn't authorize this charge for $31.98 nor did I want it. He stated that I applied for a payday loan and this was part of it. I told him I didn't get the loan and I exited off the screen so that I wouldn't be charged for anything else. He tried to tell me that I still would be charged so I asked to speak to the supervisor. Well I am on the phone on hold and have been for almost an hour waiting for the SUPERVISOR to pick up!!! They are full of crap and know that what they are doing is fraudulent. I am contacting my bank to have this charge taken off and reporting it as an unauthorized charge to my account! I will press charges is necessary!!!