I had almost the same problem. I applied for the loan, before anything was deposited in my account they called me. I asked them to read me the terms of the loan. They told me $74 would be taken from my account and so on. I said, "I don't like the term's and I do not want the loan." The agent said, "Okay we will decline the loan and take no further actions." I said, 'Okay, so no money is being deposited?" The agent said, "That is correct." We ended the call and that was it. That happened on like May 1st of 2009. It's now July 8th and I found out they deposited the money anyway. The reason why I found out so late is because I never really use that bank. If I do, it's to cash a check, but I never view my account balance. I got a notice in the mail saying I was $379.96 delinquent. I have never been delinquent with any bank and It said the money came from INMYACCOUNT.COM. I tried to contact the loan company several times and they never have someone real to talk to. I tried the website and since I never set up an account with them, I can't log in. I've left them several messages and they don't call me back. I even threatened to sue them in a message.
After all that, I am now stuck without a bank, no way to cash my check, and my account is going to collections.
Great right? Thanks INMYACCOUNT.COM. You're all a real bunch of "WINNERS."