Low Pay Inc Fraudulent activity on my account Portland Oregon

This company stated that they would charge an activation fee of $79 to my bank account for use and set up of a credit card to help build my credit. They stated that they would take the money out of my account on 5/22/09. I told them that I didn't want them to take the money out of my account until 6/5/09. Not only did they take the money out of my account a day earlier than what they stated they would, they took out more money than was agreed upon. Because they took the money out of my account on 5/21/09 instead of 5/22/09 like they stated they were going to, they caused my account to go negative because my paycheck was not to be direct deposited into my bank account until 5/22/09. They refuse to give back they $98.95 that they fraudulently took from my account on an unauthorized date and for an unauthorized amount, they also refuse to pay for the $595.00 in return item fees that my bank placed on my account due the the charge placed on my account by Low Pay Inc. I have proof to show that they took this money out of my account on 5/21/09 using a check that they created in my name, I also have proof that this charge caused a chain reaction of return item fees from my bank, as well as the fact that in the recorded phone conversation that they have, they stated that they were going to debit my account on 5/22/09. Had they debited my account on the date that they stated, my account wouldn't have been overdrawn because I would have had enough money in my account to cover the charge and then the only thing that I would be disputing would be the charge itself. I also have not received the credit card and have no ability to use the product that they offered. I have had no resolution in this situation.

Tammy
Shawnee, Kansas
U.S.A.