Advanced Interest Minimizer Removal of money from my account without authorization Xenia Ohio

 I had a biweekly payment program with this company in 2012.  I refinanced early in 2013.  I notified them to stop taking money out of my account - they did. 

They asked when they could start again.  I told them I was not sure - they could check with me in six months.  Six months later they just removed a total of $870.00 from my bank account without checking with me first.  They told me it was my responsibility to contact them if I did NOT want them to start again.

That did not make any sense to me.  They did not know where I refinanced, what my new loan number was, or what my payments were so how could they possibly have known how much to take out if they did not check with me?

As it was, my husband had just died, I had to pay funeral expenses that month and all of a sudden I am $870.00 short on my funds without explanation.  I had already paid my new loan payment for June 1st, 2013 of $1,092.06 so it's clear they had no idea whether or not they were "reducing" my interest on a new account because they did not know what the new mortgage payments were.

I asked them what they would have done with the money since they didn't know where to send it.......and she said, "Sometime in the future when we saw that the money was accumulating we would have called you and asked what to do with it."  My response was:  "So why not call me BEFORE thus preventing this kind of trauma?"  She replied, as two other clerks did as well..........."That's not OUR responsibility!"

So be careful!  If you use them, and then re-finance or stop for any reason, make sure you cancel with them and then go to your bank and put a block on their taking anything out in the future.........because they will - and I perceive that as a SCAM.  They do this, in my opinion, on purpose as a pressure to get you to go back with them.

And to make the situation worse.........they charged me $7.00 for giving me back my money!!