I took out a payday loan thru Little Loan Shoppe and was paying them as I was supposed to, in fact, I had three more payments for $50 each (1/2/09, 2/29/09 & 3/1/09). They had not done anything screwing since I started making payments 8/7/08.
So imagine my surprise when on 1/2/09, they debited $210 instead of the $50 that they were supposed to. I contacted them on several occassions via email and telephonically but they NEVER once responded to my emails and didn't answer the phone. So I thought I would call a different phone number and act like I was new customer.
I did talk to a lady name Megan who told me that she could see that they had made a mistake but that there wasn't anything she could do unless I sent her my full month of bank statement to prove that the money had been debited out of my account. I asked her what sense did that make because how would I know that money had been debited if it hadn't cleared my account already. I think they were just trying to get access to all the rest of my account information, why? I don't know but that just seemed like a strange request especially when she said that whe could see in my account that the wrong amount was debited.
So, I contacted my bank and they reversed the authorization, however, on 1/13, they debited my account again, this time for $200. Again, I tried to contact them all to no avail. My bank reversed the authorization again. Now, I need to find out how to make a formal complaint against them to the FTC or whomever else needs to know about this type of fraud.