Loanshop/Westbury Ventures Unauthorized debit from my checking account for a loan that never existed!!! Dover Delaware

I checked my bank account like I do every morning and there was a pending debit in my account from a company I never heard of, Loanshp/westbury. I called the 800 and a very rude man answered the phone simply saying"Hello". He did not give his name or the company's name until I asked for it. There was also a lot of men yelling in the background when I called.

Anyway, this company debitted $260 for a payday loan that I supposedly received in 2006. The funny thing is I never heard of them, I never received the loan, and they supposedly deposited the loan in a bank account that isn't mine. The kicker to me is that it took them 2 years to collect a debt without any prior notification to me that I owe any debt.

They claim that I have a contract and that they sent me emails and mail to my home and left me voicemails, but I don't have any of this. Now because of this company I have to file paperwork with my bank and change all of my information. How can these people get away with this? I know I'm not the only one because I've read everything I possibly can about this company, and none of it is good.

Anonymous
atown, Pennsylvania
U.S.A.