How can I have my $31.98 returned. I never signed up for this service and the phone number given you cannot speak with anyone.

I was online looking for a payday loan. I know this is a bad idea anyway but because my son broke his arm and we don't have insurance due to a new job, I really needed the money to take care of it. The info said that it would debit my account $31.98, but that was under the information that a payday loan would be attained as well. Well, no payday loan was received.

These people only caused me more problems because my account was then charged NSF fees of $175.00 because other small charges I made previously hadn't cleared when they put that debit through, which they otherwise would have. When trying to file this report I couldn't pull up the website. I called the number and they have changed their website... go figure. It is now idcard.com.

When I called the company, very irate, they said that I would have to file a police report stating that I didn't authorize the charges and then send it to them in order for the fees to be returned. Well, in order to do that, I have to call the police department, make the report, wait at least 24 hours for the report to be filed, then go to the local sheriff's office, pay $2 more for a report, and I don't have a second car that enables me to do that during regular business hours.

I will be speaking with my bank today. These people are rip-offs, and liars! Payday loan seekers beware! It does NOT get you a payday loan, but charges your account for no services!