Closing bank account

Hi,

This site is so extremely helpful, thank you to everyone who posts here.

My bank account is currently overdrawn due to these illegal payday lenders. It's my understanding none of them are legal in VA except the store front ones. I don't have any with store front ones, they are all online.

I called the other day to have the hard debit hold put on my account and they wouldn't do it because it was overdrawn. I thought I would be able to take care of the overdrawn amount yesterday but they've now zapped my account multiple times and it's overdrawn $4200.00. So I went to a branch today to get my account frozen trying to explain what was going on and they told me I would have to do it over the 1800 number they couldn't do it for me. They also recommended I speak with the fraud department.

Can this be considered fraud even though I "signed" online "papers"? Before I go down the road of the frad route with my bank I wanted to check here with the experts. I've emailed 2 of the places already and one is advancemetoday which I read here is particularly hard to deal with. They've written me back and told me they are a St. Vincent company and are not under our laws. I've written them back and told them I wasn't bount by theirs because internet loans are illegal in VA. Before I could get my account closed they of course debited my account.

The only good news is I'm sure my bank is going to return all these on Tuesday because I don't have the funds there.

Any help is appreciated. Thank you!