CLEAR CHOICE CREDIT SOLUTIONS CALLED ME TO ADVANCE $500 PAYABLE IN 6 MOS-NOT!! THEY TOOK $300 FOR A PAYDAY ADVANCE OF THEIR OWN Nationwide

I INPUT MY PERSONAL INFO ON A COUPLE OF WEBSITES (OOOOOOOOOOOOOOOOOPS!) AND RECEIVED A CALL ONE DAY THAT THIS COMPANY CALLED CLEAR CHOICE CREDIT SOLUTIONS WANTED TO SELL ME A BOOK FOR $200 FULL OF ALL SORTS OF CREDIT INFORMATION AND LIST UPON LISTS OF BANK AND FINANCIAL INSTITUTIONS THAT WORK WITH PEOPLE WHO HAVE BAD CREDIT.

I AT THE TIME WAS DRIVING MY 1987 TOYOTA CAMRY 43 MILES ONE WAY TO WORK TO MAKE $7.50 AN HOUR (YEAH-PRETTY DUMB HUH?) AND WAS ABSOLUTELY DESPERATE FOR A NEW CAR. I TOLD THE BROKEN-ENGLISH-MAN I DID NOT HAVE $200 TO PAY MY RENT LET ALONE BUY A BOOK. THEN, OUT OF THIN AIR, I AUTOMATICALLY QUALIFIED FOR A PAYDAY ADVANCE OF $500 PAYABLE IN 6 MONTHS-OF WHICH OF COURSE THEY WOULD DEPOSIT INTO MY ACCOUNT AND THEN TAKE THE PAYMENT FOR THE SO CALLED BOOK OUT OF THAT.

I THOUGHT "COOL! I CAN PAY RENT AND LOOK FOR A LENDER FOR A NEW CAR!" SO OF COURSE I GAVE THE DUDE MY BANKING INFO AND HUNG UP THE PHONE. I IMMEDIATLEY THOUGHT OF SOME STUPID QUESTIONS I WANTED ANSWERED AND CALLED THE NUMBER HE GAVE ME-NOT IN SERVICE. I RESEARCHED THE COMPANY ON THE INTERNET-NON EXISTABLE. I CONTACTED MY BANK AT THE TIME( UNFORTUNATELY FOR ME IT WAS WELLS FARGO-I ALSO HAVE A RIPOFF REPORT ON THEM FOR THIS SAME STORY)

ANYHOW, I IMMEDIATELY CALLED MY BANK AND EXPLAINED THAT THIS FRAUDULENT COMPANY HAD MY BANKING INFORMATION AND WHAT SHOULD I DO (????) THE GAL I SPOKE TO SAID I SHOULD DO A "STOP PAYMENT" ON THE CHECK-I DID NOT DO CHECK OVER THE PHONE, I JUST GAVE THEM MY INFORMATION SO THAT THEY COULD DO A DEPOSIT AND A DEBIT. SHE SAID "OH, WELL IN THAT CASE IF THEY OVERDRAFT YOU ACCOUNT THE ONLY THING YOU CAN DO IS TAKE THEM TO SMALL CLAIMS COURT" HAHAHAHAHAHAHA! I WAS SCREWED.

I CALLED MY BANK TO NOTIFY THEM I HAD A $0 BALANCE AND SOMEONE HAD MY ACCOUNT INFORMATION BUT STUPID WELLS FARGO GAVE THEM $300 AND OVERDREW MY ACCOUNT TO $340 WITH OVERDRAFT CHARGES, CLOSED MY ACCOUNT SINCE IT WAS OVERDRAWN TOO MUCH, AND REPORTED ME TO CHEXSYSTEMS. BA**ARDS.

Melissa
MESA, Arizona
U.S.A.