In January, I put a stop payment on my checking account to keep oneclickcash from getting anymore money out of my account. However, I just found out that one click cash fraudulent did a preauthorized debit from my account in the amount of $335.00. I didn't have near that amount in my account, but my bank paid them anyway plus a $35 insufficient fund fee. I called my bank and asked them why did they pay them when they (my bank) knew that I did not have the funds in that amount in the first place! Well, my bank tells me that they will do an investigatation and for me to close my old account and open up a new account, which I did for the second time. I still don't know how one click cash got my new checking account number.

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Hi jonell51,

If you close your account and open up a new one in the same bank, same branch, quite a few banks will just send ACH debits like that straight to the new one. It's probably best to open your new account at a completely different bank.

The other way that could happen is if you apply for another payday loan. Many of these PDLs operate under a series of DBAs.

And lastly, a stop payment won't really stop a PDL; merely slow them down. Stop payments are processed by total debit, all the PDL has to do is change their debit amount by $1, and bam! Your account is hit. If that doesn't work, they try another way - like an electronic check.

For more on oneclickcash see: http://www.debtconsolidationcare.com...about7282.html

And good luck disputing with your bank. I've heard so many stories of banks completely ignoring their less than wealthy clients.

Good luck, and welcome to the forum!

chrys

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Oneclick cash is located in foreign land and it is very dificult to get hold of them. So be very careful with them.

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If you disputed the charge and they were aware of this prior to the transaction going thru, I don't know why they just didn't reverse the transaction. Keep up with what they are doing, meaning the bank, and don't let up on them. If you do not receive satisfaction from one person, work your way up the "chain of command" until you get answers.

As was stated, they will try to send a "paper check" thru. I had that done to me. Just keep an eye on things and I would open an account with a different bank.

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Yes thats right when banks sometimes open new account for people all past charges are forwarded to the new account.

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i took a loan out with them in may,2009.in june they were to take 195.00 to pay the loan off.instead they have been taking out 45.00 to keep the loan open,in which they are not to do.they ignore all emails,and all phone calls.today a customer service gave me a number which turn out to be a fax number.i file a complaint with the ftc and attorney general of nebraska about them/because what they are doing are charging hidden fees/the 45.00=$135.00 to keep the loan open.when they are not to be doing.this loan was to be paid in full in june.i called my bank.and she said i have to wait till september to put a stop hold on them,because i dont have the fund to pay the bank for the hold /stop payment for them.i dont know what to do to put an end of them with their hands in my bank account.any one know what legal action i can take if they take $195.00 in september.in LL IF THEY DO I WILL HAVE PAID them a total of $350.00 instead of $195.00

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when you fill out for a payday loan you have to let them know in advance whether or not you want them to take it out in full otherwise they will take it out in payments...it's not a scam all you have to do is read the fine print in the application you signed is a legal document so it's not too much that you can do to stop the transactions from being debited out of your account

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Aside from the information you provided, would you agree that when a payday lender isn't licensed, charges illegal interest rates, and harasses their customers isn't a scam either?

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i have been dealing with one click cash for about 3 years and have never ever ever had a problem with them. they never take out more than they should without my permission, unless i tell them to. you have got to read all your documents they send you, including the fine print. they arent out to scam anyone, they make enough money without scamming, trust me.

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I find this hard to believe, but more power to you.

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__________________
CLICK HERE To join my Social group, The Payday-Loan-Free Advocates!

Online Complaints Ohio Attorney General
Online complaints: Federal Trade Commission.
Ohio Payday Loan Laws
CLICK HERE to find a Creditor