I had a several payday loans a while back and paid them off. A few months ago, I was a victim of identity theft and all of a sudden I found tons of ACH's coming out of my account, I'd see money coming in and immediately coming back out and then I'd get stuck with the fees. Finally after arguing with my bank I closed my accounts. they claimed that since I had several payday loans before, how can they distinguish that I didn't take these new ones out too. They wouldnt' investigate the matter.