Payday Loan Protection EZ Loan Protection RIPPED OFF BY PAYDAY LOAN PROTECTION/EZ LOAN PROTECTION Las Vegas, Nevada

Suzanne..... The phone number on the website that you provide is 866-823-7265. I tried it 4X this morning and got through immediately. Once again, I don't understand how you are having trouble resolving this situation. I don't know Steve, but he is correct in that you have been negligent with your checking account information. If you truly have never signed up for a pay day loan, then call the number and talk with someone. Get to the bottom of this, because someone is fraudulently impersonating you and you may find yourself stuck with loan charges on a loan that you didn't take. Be more careful with your banking information.I believe it may be someone close to you (relative etc..) that has fruadulently used your information.

Suzanne,

The fact remains that BEFORE anyone can create a "check" against your checking account, they MUST have BOTH the rounting# and account#.

They did not just make these numbers up.

The ONLY way they could have gotten them was from YOU. Somehow.

It is up to YOU to figure out what that "somehow" was.

YOU did not PROPERLY safeguard your account information. Fact.

I told you what your ONLY recourse was, and it appears that you have done exactly what I told you, but yet I don't know anything.

And, I have NEVER had any of these problems with ANY of my bank accounts in 30+ years. Why is that? I safeguard my account info. That's why.

Using your checking account info online for shopping or using it over the phone is a BAD idea, as you have found out.

Just common sense here. That's all. Common sense.

Thank you Leann, Ronnie,and Lawrencefor your nice, non-judgemental comments.

My bank refunded the money the same day I went in and filed a fraud report.

I think it's interesting that Steve & Bud seem to know so much about me since I don't know either one of them.

FYI..The bank account (in Utah-not Las Vegas)where all these funds were being deposited has been closed down (1/12/2011). The address in Las Vegas is a mailbox only. The same is true for EZ Loan Protection.

Bud-Here's their website: http://www.paydayloanprotection.info/. If you are ever able to reach someone either through their email or phone number, let me know. If this is a legit company they need to work on both their websites since most of the links don't work. I don't believe a company that "runs thousands upon thousands of transactions a day" would make it this hard to reach someone. Maybe Bud works for them LOL!

Bud and Steve, you can say whatever you want. You don't have all the facts and I won't disclose them here. What I will say isI was not the only one victimized (so the $30.00 adds up exponentially)and state lines were crossed.

When you can give me something concrete instead of all your assumptions about what I did or didn't do, I may start listening to you.

As hard as it ma be for you folks to realize, Steve is correct. Somehow, someway this company was able to get Suzanne's account number and routing number on her checking account. She was negligent with this information and the transaction could not have been processed without it. This company is legitimate and they run thousands upon thousands of transactions a day. Suzanne is one of the very few disgruntled, when you consider their volume. This company sells pay day loan protection and it is only transacted to people that are actually funded for pay day loans. Now it is possible, that someone from Suzanne's home, an aquantance etc.... got her info and ripped her off. That person (whether Suzanne or not) did receive a pay day loan. There is no denying that. To get this protection, they also had to sign for it with an e signature AND they were voice recorded verifying the transaction. Steve is correct that Suzanne has been negligent because somehow, someway a person went to great lengths to impersonate her with a pay day loan that was funded. If she really has a course for action, I know the company will help her to find out who fraudulently did this. The company did nothing wrong.

This is the one I had meant to make the Cyber-bully comment to Steve.

This woman needed advise, not ridicule.

Suzanne,

You can throw all of the insults at me you want, and make all of the assumptions about who I am and why, but the fact remains that YOU caused your own problem here.

I came on hard after you got so defensive. YOU should look in a mirror when you talk about others as.

And, contrary to what you stated the common denominator here IS the use of online services such as payday loans.

If you EVER input your banking information into ANY website, your information was given to them, and not "stolen" from a legal standpoint.

The problem I had here is that you came off so defensive before looking at all of the possibilities of how this happened.

The fact remains that nobody can do an ACH check against your account unless they have both your routing# and account#. They must have both of these.

Then I informed you of your methods that simply were not going to work, and why. You cannot do anything over the phone that will actually bring action. I lived in Las Vegas, and can tell you that the LVMPD will not do anything about this. They are simply too busy with real crime, and will refer you to civil court.

The point in your original report that really confirmed that you are clueless was the mention of the BBB! That did it for me! Anyone who would even think the BBB can actually do anything is a genuine moron. I know that pissed you off, but it is very true.

Then, I actually told you how to get results via the Federal Regulation E form at your bank. This is your only initial action that will actually bring results in getting your money back.

Then, I suggested that you close that account as it has been compromised. The bank WILL make you close it anyway once they refund you your money. It is part of the process.

Now, you need to learn that even though you feel defrauded here, that there is not criminal act that could be prosecuted. In NV, the amount must be over $250 before it is "criminal".

I know how the system works. I wasn't just guessing or making assumptions.

I have 3 checking accounts and I have never had this problem, as I never give my checking account information to anyone, especially online, or over the phone, or to anyone I don't have an existing business relationship with.

I was a victim of identity theft in 1999 which took 3 years to correct the damage done. My wallet was stolen from a gym locker that was broken in to in Las Vegas. When I attempted to get LVMPD involved, they informed me there was nothing they could do and that I was "not the victim"! That is the same response you can expect here. That's just the way it is. I had to get my own justice as I was on my own.

I was actually trying to help even though my words were hard.

...in your report you state this $30.00 was taken from your bank account without your authorization. If this is true, someone or some business has committed fraud against your account. So, the best FIRST course of action, is to dispute the charges with the bank. Have you done this yet? If so have they investigated? If so, what did they conclude?

If the bank tries to weasel out of it, ask the bank to give you a Federal Form "e" which is a dispute form you can fill out and submit. They will then have to investigate and reverse the charges if fraud is found.

The problem is in most of these cases (and I hate to even partially agree with Steve in any way since he is a hateful d****e), is that most often the charges were authorized..but the victim was simply suckered in and unaware that they did actually authorize charges. But this does not make it right, and does not make you an idiot. You just need to use the correct tools to find recourse. You can notify the BBB, FBI AG etc etc..but the bank is the one to decide the quickest if you are warranted to have the charges reversed, and if the bank plays games..submit the form "e" as suggested and action will result.

Best of luck.

I will admit I read these reportsmostly for entertainment. But when someone like Steve is always making negative comments and degrading people, it is no longer fun for me. His comments do not help the individual writing the report which is what I thought this site was for. It is to help people, not to make fun of them and their misfortune.

Suzanne, I hope you get this figured out and get your money back. I wish I could help. Good luck.

First, I would like to apologize to the founder of this siteas this dialoguedoes not reflectthe tenetsset forth when this site was started.

Each time you leave a comment I hope that you have left something for me to read that indicates higher level thinking, actual knowledge of the subject, or the ability to communicate like a mature adult. Your comments are not helpful or productive at any level. It must be hard to live in a world where you believe you are the only person who is right and you have to constantly try to prove it.

Your problems with literacy become more and more apparent each time you make a feeble attempt to reply to anything I write. Maybe you can have your mommy readmy commentsto you at a level you can comprehend. I'm sure she's readily available since you probably still live with her.

Your replies are verbally abusive, immature, show a lack of education,and indicate what kind of a person you are. I feel sorry for anyone who works with you, has to be around you, or (God forbid) may be being being raised by you. You must be miserable to have to conduct yourself like this. Thank goodness you have your mommy.

I would recommend seeking some type of mental health treatment to help you deal with your anger issues and self-hatred. There's still time to fix yourself so you can experience some degree of happiness in your pitiful life. (And maybe move out of your mommy's basement.)

Do you know what an internettroll is? How about a bully? How about a sociopath? A narcissist? If not, look them up. To make it easier for you ( so you don't have to actually open this thing called a dictionary) there'ssomething called Google search. Of course there are more, but I want to keep it simple for you.

Google gives you the ability to look things up you are clueless about. You enter a word, do a search, and you will be able to find the definition of any word.So wipe the sweat off your keypad and try it. Maybe you'll learn something. If you get confused by the big wordshave your mommy explain them to you.

I pity you. You truly need some help.

You can post all of the BS you want.

The bottom line here is that not one government agency will prosecute. Guaranteed.

YOU will have to go through civil litigation at your own expense, and still lose.

That is the way it is, because like it or not, YOU gave up your account information at some point, which eliminates the "criminal" factor.

You are just too ignorant and hard headed to accept that fact.

Give it up. You are still WRONG.

No prosecution. GUARANTEED.

"You are clueless."

"Get off your high horse."

"YOU are wrong."

Wow, nothing like being put in my place! NOT!

What compels you to put people down like this? The protection of anonymity? This is not the intent of this website. You don't know the situation...you only know what I choose to disclose. Assumptions. assumptions, assumptions.

The use of "you" statementstells me you don't understandwhen you point your finger at me you have 3 pointing back at you. I honestly don't know what your problem is or why you choose to communicate the way you do. It's been a long time since I've run into a "cyber-bully however,I find your comments and arrogance somewhat entertaining.

AIB? I thought this was a venue to report rip-offs, dialogue with othervictims, and check out questionable businesses and scams. I had no idea I would be attacked by someone who has such a low opinion of themselves that they have to try to make other people feel worse than they do by putting them down.

Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person's personal data in some way that involves fraud or deception, typically for economic gain.

18 U.S.C. 1028(a)(7). This offense, in most circumstances, carries a maximum term of 15 years' imprisonment, a fine, and criminal forfeiture of any personal property used or intended to be used to commit the offense.

Schemes to commit identity theft or fraud may also involve violations of other statutes such as identification fraud (18 U.S.C. 1028), credit card fraud (18 U.S.C. 1029), computer fraud (18 U.S.C. 1030), mail fraud (18 U.S.C. 1341), wire fraud (18 U.S.C. 1343), or financial institution fraud (18 U.S.C. 1344). Each of these federal offenses are felonies that carry substantial penalties in some cases, as high as 30 years' imprisonment, fines, and criminal forfeiture.

Check Fraud: 18 U.S.C. Section 1344 - Bank Fraud

This type of fraud takes on many forms including: altered checks, check kiting, charge-back check fraud, closed account fraud, and variations on check forgeries. Other common check fraud violations noted are the withdrawal of funds against checks with forged endorsements or maker's signatures and counterfeit checks.

Suzanne,

The ONLY way anyone can take money from your checking account via ACH is if they have BOTH your routing# and account#.

So, HOW, exactly did this company get your checking account routing# AND account #???

The answer is that YOU gave it to them. Somehow.

You are NOT as smart as you think you are, obviously.

And, I don't care how many government agencies you "talk" to, NONE of them are going to do a d**n thing. GUARANTEED. They are nise to you and "agreeing" with you to get you off the phone!

FYI...NO GOVERNMENT AGENCY will take action against anyone based on a phone call. You MUST swear out a written complaint, and that complaint MUST be sworn out to an agency that actually has jurisdiction.

You are clueless.

Your ONLY option is to dispute the transaction with your bank as per Federal Regulation E, and/or close that account. That's it. Nothing more.

In the future DO NOT give ANY of your checking account information to ANYONE online or over the phone. NO ONE means NO ONE.

They got it ONLY because YOU gave it to them. That is a fact, and now you just need to remember WHERE and WHEN you gave it out.

Get off your high horse. YOU are WRONG.

Steve, you have made many assumptions.

First, I did NOT give anyone my banking information on line or in person...not that stupid.

I did NOT apply a payday loan on line. If you read all the complaints against Payday Loan Protection and EZ Loan Protection it's very clear that applying for a payday loan on line is not the common denominator.

There is more than one waysomeone can obtain bank account information - my bank explained several ways. Your statement, "People can only take money from your bank account if YOU give them the account info!!" is false.

Contrary to your statement that nobody will do anything if I report this, I have had good luck today with several government agencies who consider this fraud.

Finally, calling people names and implying they are stupid or clueless (I read a few of your other rebuttals) won't make them smarter or encourage them to follow your suggestions.

Bottom line...what this company does is illegal and it's called fraud.

A real simple solution here! It's called COMMON SENSE!

STOP giving out your banking information! Think about this! These people had to get your banking information somehow, right?

STOP the payday loans! Payday loans with anyone are a losing proposition. Just say no.

If you do these 2 things you will never have a problem. The ONLY thing you can do now is contact your bank and dispute the transaction. That's it. They will probably force you to close that account and re-open another one since you compromised that one by giving up your account info to scammers.

Forget "calling" the Las Vegas Police. They will NOT act based on your phone call.

Forget the Attorney General as well. Not their department.

Forget the FBI. Nothing will happen there. No "crime".

Forget the BBB. They are a useless and corrupt organization, and they have no power at all to do anything to anyone. Even the mention here of the BBB tells me that you are clueless.

Just stop shopping for payday loans online and giving up your bank account info to strangers and your problems will go away. Guaranteed. Just use some common sense.