USA Benefits put a charge on my checking account. What to do?

My name is alison, I was appling for a payday loan and all of a sudden in the next two days I was debited 149.00 and I said to myself why would I pay 149.00 dollars when I was looking for a payday loan?
:( this made me very angry, they made my account go into the negitives and is costing me alot of money

I tried to get a free credit report from credit diagnosis it cost 1.00 for 7 day trial i canceled it the same day and they still took 30.00 out of my account how can i get this money back without taking legal actions.

These people debited $19.95 out of my account who the heck are these people. I tell you the truth people are always trying to get a buck.

they are con artist i to applied for a payday loan and got them. but they cherged me when i didnt have the moneyy in my account and they told me they didnt have fees for thatt amount

You may want to contact your Bank and dispute the charge. I was just notified that I have a $19.95 charge pending with USA Benefits. I don't know how or where this came from.

Yeah, I just got charged the same thing and it overdrafted my account. So, I contacted my bank and the representative gave me USA Benefits' telephone, company ID, and trace number. So, I called USA Benefits and the representative tried to tell me that the $19.95 was non-refundable. I told that was some bullshit because I did not authorize the company to sign me up for a free credit report or to deduct any money from account. He, then, tried to tell me that when I applied for one of those payday loans that I accepted free offers that included the free credit report bullshit. I told him that apparently the website throws your information into a default to make it seem like I accepted and I didn't. So, I asked for a manager, Kyle Melssburg (800-634-6730). He never came to the phone but when the rep came back to the phone all of sudden my $19.95 will be refunded into my account and that it will be 8 business days. I told him bullshit! It's going to be in there before. I was informed to call my bank tomorrow and file a claim.

P.S. I suggest everyone to be careful when applying for those payday loans. Also, if you still have your paperwork or contract with your payday loan call them and launch a complaint. I found out which payday loan company helped USA Benefits take my money from 8/27/07.

I got charged 19.95 from usa benefits.they told me that they got my info from the website i applied to get a loan from. And because of my error of not clicking something i have to take the loss of a non refundable 19.95. And i think this is so funny how i look for their website and i find all these things about the company being a rip off. All i did was apply for a loan on a website i do not remember to get cash to pay off bills so why would i want to get some kind of loan to buy things from thei website.

this company usa benefits claims to have been in business for 15 years but i believe they should be shut down immediatly, they have all my personal info along with the bank numbers from my business account the better business bureau will hear from me

I have just received a charge of 19.95 on my checking account that I did not authorize and I am disputing the charge. I did not ok them to take this from my account.

I had noticed an overdrawn charge on my checking account for 32.00 for USA benifits, I didn't know what this transaction was so i went back in history on my account and fouund 2 9.95 charges that had been succesful, I call my bank and they told me i had to call USA benefits and talked to them, i called them and they wouldn't talk to me, because my husbands name was on the USA benefit account even thou my name was on the checking account they messed up,he told me i had to of authorized the account by clicking something and told us that it was for credit checks, idenity theft that they could monitor, (they need to monitor their company), He told me to call back at a later date so my husband could speak with them, i told him no to hang on and i called 3 way, and he told my husband he had to tell him he didn't autorize this and didn't want to do anything, i told him no that i wanted this canceled and i wanted my money back in my checking account, he put us through to his supervisor, she done this same speech the guy did, we told her we didn't need credit checks so why did we need to pay 9.95 a month, and told her my bank found 3 charges and the supervisor had different dates than my bank,here's the kicker guys....the supervisor came back and told me that they had deduted 12 months from us and she could only give us back 10 months..we agreed to that to keep the paperwork down..so please recheck and make sure you don't have more than 3 charges, i don't know how they did it but they did it, it's all taken care of now and we are getting our money back, but i also mentioned the Attorney General in Pa and the BBB to her. Don't let these people by with taken your hard earned money for their pleasure.

Who the heck are these people-attempted twice to deduct 19.95 from my account causing me to go into over drafts 7 times now x 25.00 the bank has charged me?I want justice against these tyrants...william Plew

happened to me to but for 19.95 per month

I too was ripped off by them. the rep was trying to tell me all the different benefits i get for 19.95 a month. she gave me a confirmation number stating that the account has been cancelled, let's see if it really was or not! the rep was VERY bitchy to me on the phone too. i have 50 dollars in overdraft fees, and my bank didnt even pay them......they wont give it back to me though. it is bull! good luck to everyone else though!![/font]

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Hey all! I've just received the card and the letter in the mail. There was a charge on my account for $19.95 and I had no idea where it came from. When I got the letter in the mail I figured it out it was from them. I also tried going to their website, but of course, there's no website. I was charged an overdraft fee on my account and this is pissing me off because when I applied for a loan, they did not say there would be a charge. I'm surprised at how many people get scammed by these "companies". Please be more aware of what you sign up for online. I will never do this again. I'm calling my bank tomorrow.

Glad you cought it when you did xxeternityxx, but I would go to your bank in person and put all that you have to say in writing and make your bank sign it while you are there and get a copy. As you can see if you read many of the post here concerning banks, that their banks donkt get it right or donkt care enough to stop your situation from happening after someone just calls them and then they are stuck with hundreds of dollars in overdrafts and then that is just the start of their problems. GO IN PERSON.


thanks,
Luke

I have been charge 19.95 twice.

They charged my acct. 19.95 as well and i havent been able to email them or get through. Eceryone watch out for these scams cause not everyone checks their account all the time, I do. So I caught on to their scam real quick. Be carefull everone. I will get my money back. Lets sue these poeple.

I called the number 1-800-809-5986 and cancelled, because they will continue to withdraw the $19.95 from your account. I am pissed that they got away with $40 from me, but there is really nothing you can do since it was offered through a payday loan advance application. I asked to speak to a supervisor and she said that the fee is non refundable which I think is BS! I am mad and venting right now, but call the above number to cancel your account or they will continue to withdraw from your bank account. They are so uncaring for their so called customers. :evil:

((((((USA BENFITS))))) did had a hold of my account now. Im gonna Study about there bad bussiness beareu, gather more information about and take em to court for this. Can press charge on that and that was a robbery over the computer and thats also crime. we all should stick togother and agree on to it. show lets all work together and really do something about this

Happened to me as well...this is such crap! Thanks for the great info!

did not inquire about any thing on the internet, and oh yes , I DID INQUIRE about a payday loan, they ask for your information , you put all the info in icluding your social security and check account info, they tell you no, however while you are inquiring about the loan they have links to their site. If you donot check the box it automatically does for you which means you approved them to pay their set up fees.You have given them permission to withdrawl the funds . Without your knowing. USA Benifits and USA loans withdrew $149.00 and $19.95 were taken out of my account without my permission.I contacted my Bank notified them of this closed my account never to ever inquire about anything online again, I learned my lesson trust no one with anything.

one millennium drive
uniontown,pa-15401

HERE IS USA CREDIT ADDRESS..

they took 19.95 from my account and now I'm overdrawn 52.00 because of the bank fee. How can I get my money back?

The same thing just happened to me i was never informed that my account was going to be charged and it was just charge and they told me i applied for a payday loan in October.They told me they will not give me my money back either.This place if nothing but a scam.

is this really a spam

Of all the crapiest things to do to a person on Christmas. There seems to be enough complaints out there to start some kind a class action suit against this company. Only wish I knew how to go about it. Just think of how many other 9.95 people are out there and how many 169.90 people are out there, that's alot of money!

Just got off the phone with this company and got my money back! All you got to do is demand your money back and tell them your not interested in their little scam they got going. I just want my money back.

Hey my charge was foe 19.95... Causing an overdraft three times !!!! They still have not cancelled it. I may close my account over it

today is dec 10, 2007. i got up this a.m. to check that balance on my debt card and it was like $20 less then what i thought it was.....i had the automated system give me a transaction by transaction "report" and there it was.......$19.95 to USA Benefits. WTF!

i called them and they gave me a "refund transaction number" and said it would be the 18th before they could refund it!

so what you apply for something on-line and they say invalid acct number (on your debt card), watch out for unauthorized transactions.........and they got all my "personal info".

To receive a refund of Your enrollment fee, You must first contact USA Credit to obtain a Return Authorization number. Upon receiving Your return authorization number, You will be required to return all membership documents as well as Your USA Credit Shopping Card to: USA Credit, One Millennium Drive, Uniontown, PA 15401. REFUND GUIDELINES MUST BE CAREFULLY FOLLOWED TO ASSURE A PROMPT REFUND OF MONIES.

After numerous non approvals by me to allow USA BENEFITS to debit my checking account, I decided to look them up on the internet and this was the only site I came accross that actually was a real site.
I have been hit by them many times, even after having my well known named banking institution put a big red flag up on my account to stop any transactions from being completed by USA BENEFITS. It has taken me many months of heartache and time to finally go through one whole month without finding yet another debit to my account. Now they got even more sneaky, they go through this process of now of debiting my account with different denominations, 9.95, 19.95, 29.95 and as high as 49.95 !!!!! I'm on a fixed income and all the headache of waiting for those forms to come in the mail and then you have to sign and send back to the bank. Not to mention all the fees that go with it!!!!! It got as high as 135.00 for non sufficient funds because USA BENEFITS debiting my account without my knowledge or consent. Guess what??? It happened again today. I'M SO MAD AND FRUSTRATED TO SAY THE LEAST!!!!! EVEN WHEN I TRY TO CONTACT USA BENEFITS, THEY TELL ME IF I CAN'T GIVE THEM AN ACCOUNT NUMBER THAT I HAVE WITH THEM THEN THEY CAN'T CREDIT BACK MY CHECKING ACCOUNT. I had to get this off my chest... and I hope someone out there sees my email and reads it....
Take care all of you and the pain and uphill climb to get your bank accounts back on track..
P.s. Did you know that when I apply for credit, all the NSF's show up? Who wants to lend to a person with multiple nsf fees on there primary checking account???????
Take care all of you.

I just had the same problem , only they sucked 19.95 outta my account grrrrr! I live on very small disabilty check and cant afford this kind of unexpected bs, 19.95 is a lot of money to me when I recieve so little to begin with from SS!

I got a charge from them for 19.99 I do not do online loans or anything. But thankfully my bank will take care of it specially if I send my bank a copy of this forum where you all have the same issue.

I plan on getting a new bank account number. Most banks will do this for you. funny thing I NEVER give out my checking account number period !!!!!!

uscredit took 260..00 for acredit card anddredit report if this isnot going to happened what should i do

I just was looking at my moms online bank(im her computer geek so i handle online banking stuff) and to my surprize this company charged my moms account $19.95. My mom hasnt done any payday loans for about 10yrs now. This is bull crap. Im starting to hate the internet and sales people whatever the heck you want to call them.

I dont know how i got them but they are milkin me for 19.95 a month.

Thank you so much for the phone number, they got my account for 19.95 for two months. I just called to cancel and they tried to sell me other things. I never went thru any of the payday loans so I dont know if I can get a refund.

Hello, I contacted usa benefits today. I have been charged everymonth 19.95 since 10/2006 til today.

Shawanza, did they say thet would send a refund?
Well at least you were able to cancel this.

the address I have is in Uniontown, Pa 15401

thay took 19.95 out of my account as well and i do not know how thay did this or how thay got my account information i am verry pissed and dont know how to get ahold of thim everytime i try i get a voice messege saying i called after hours no matter what time i call this is some how a big scam.. im going to have to close my bank account.. thire should be some kinda law or something to stop this.

I have just been hit with a $395 transaction last night and when I checked this am there was another one set up for the 4th. I am on my way to bank now. This one is called Benefits USA with listing as Reno, but phone says it is Eastern time for calling. There is message at end to leave message, but then says it's message box is full.

You're not getting your 9.95 back. you inadvertently pre-authorized that transaction through your agreement with the Payday loan company to become their member. HOWEVER, most banks will sympathize with your situation, and usually can refund the NFS fees. if you can ever get ahold of one of their company reps via phone again, just tell them to cancel any continued subscription of their membership as you have not utilized, nor plan to use any of their offerings in the foreseeable future. $10 is a SMALL price to pay for fine print nonsense. 40, not so much. just hope these guys aren't among those ACH scammer companies. you usually have to have incurred a fairly large loss for any law enforcement (AKA FBI) to do anything more than hear your grievance and note it.

You're not getting your 9.95 back. you inadvertently pre-authorized that transaction through your agreement with the Payday loan company to become their member. HOWEVER, most banks will sympathize with your situation, and usually can refund the NFS fees. if you can ever get ahold of one of their company reps via phone again, just tell them to cancel any continued subscription of their membership as you have not utilized, nor plan to use any of their offerings in the foreseeable future. $10 is a SMALL price to pay for fine print nonsense. 40, not so much. just hope these guys aren't among those ACH scammer companies. you usually have to have incurred a fairly large loss for any law enforcement (AKA FBI) to do anything more than hear your grievance and note it.

:evil: this compony took over $300 from my account since then i've found out they don't have a website
there phone line is always busy you can never get through! :?

This place is crazy! I was actually being charged 19.95 and did really see it for several months. I have canceled and it took about 10 minutes on the phone. They had the nerve to try and sell me another service?!?!?!

Hey everyone out there I just wanted to say that I have had the same problem as all of you. I received a debit from my account for 19.95 from USA benefits. I immediately called them and they kept telling me I authorized the debit. After going back and forth with them I finally asked for a supervisor. The CSR then get back on the phone and gives me a cancellation# telling me they will give me a refund. She then transferred my call to another dept where the did a conference call with my bank and the money was back in my acct within 72 hours. The number is 800-809-5986. I would suggest once you receive your refund to get your acct info changed.

why have none of you complained to the FTC or your state attorney general? Near as I can tell usa benefits has been ripping folks off for at least 5 years! :|

does ANYONE have a web address or a mailing address for these rip off artists or not? I see several people have asked for it but I don't see where anyone has actually provided the information. While the support group is nice I'd rather have hard information that will enable me to file complaints with federal, state and local agencies.