Geneva Roth Ventures Unauthorized loan, forced loan and forced collecion without my knowlegde Kansas City Kansas

I was just looking around for a pay day loan and landed on a website. I applied merely see if I would be approved and had no intention at the time of accepting a loan. I was then informed that a representative would be calling me. The representative did call me and left a message to call back, and I didn't as I had no intention of receiving loan money.

I was only contacted once by a Tanasha Barner from LoanPointUSA and had no idea that this was also Geneva Roth. It seems to me that they are misrepresenting themselves. I didn't even receive an email that I knew about at the time as the email went to my spam folder. I expected that without any verbal or written authorization they could not continue with the loan process and nothing more would happen.

A few weeks later I notice that the was $150 debited from my account by Geneva Roth. I called my bank to find out who the heck was doing this and why.

I was able to get more details about the company and also discovered that a few weeks back they has deposited $500. The loan application I filled out was only for $350.
Irritated by this I called Geneva Roth to find out what the deal was. They immediately asked for my SSN and I refused. The representative on the phone became annoyed with me and then asked me to verify other personal information. I was even more wary at this point. Thinking it was a scam I only verified my address and email.

He was able to pull up my account and told me that I had authorized the transaction by an electronic signature. I had not recollection of any type of electronic signature. (I work with computers and know all about secure electronic signatures) He informed me that by merely typing my name that was good enough for an authorization and I was responsible for the loan.

At this point I asked him why they didn't verify the loan with normal written documents and verbal phone calls. He responded that I was called but never answered and this was considered a verbal verification. He then explained again that I didn't need a written signature because I has typed out my name on a website.

I then asked him how he got my information because I had never heard of him company before and that I was positive I never been to a Geneva Roth website. He explained to me that I probably applied for a loan with a different company and since they were not able to help me or approve me for a loan that my information was given to them and they were able to approve the loan.

At this point I told him that I was sure this was illegal and that I was going to take necessary actions to stop this fraudulent activity. He assured me that this was all legal and that if went that route I would just put myself in to a lot of trouble. I then was so mad at this point I told the guy that I had recorded enough of this phone conversation and hung up, just to scare him. May not have work as it seems they have been in the business of fraud for a while. Even though not ethical or legal they know what they are doing.

My bank tells me that as soon as the transaction clears they can get the money back and block my account. I hope so. I am thinking that as soon as I get my money back I may just go to a different bank altogether and send a preemptive cease and desist letter with accusations of fraud and legal activity if I can cite such points truthfully.

Please be aware of this company!! They are unethical and misleading.


James
Concord, California
U.S.A.