I was debited $19 by this company for an application fee. I swear I never went to their website. My bank returned the $19 NSF and now they have hit me for $44 ($19 plus $25 NSF fee) I have sent this fraudulent company several emails and also notified my bank, Bank of America, who treated me like a criminal. The bank rep seemed to have no sympathy for me and kept stating that I must have applied with them at some point. I told her that they obtained my information through other online business and have never applied for anything with them.