Share post
member profile picture
Posts: 33
Credits: 0
[Donate]

Some company named STCAdavance took a total of $148 in random amounts of my account, i have no idea who they are. I also took a pdl with Impact Cash, but shortly after, sent a C&D letter to them, but still withdrew $75.00 from my account. This is illegal, correct? (Im in North Carolina, and pdl's are prohibited in this state). I went to my credit union today, and they put a credit only hold on my account. Unfortuantely, my account is now negative over $200 because of this, and bills that i had tried to pay have bounced, so i have NSF charges on top of it, and I cant open a new account until it is positive. They said that I have to fill out a police report and such to get the ball rolling. I just want to be sure that I am doing this correctly, and even more so, that i am not doing anything illegal! I had to sign a document at the bank with the 4 charges that I didnt authorize (3 with STCadvance and 1 with Impact Cash) them to take money out of my account. I just want to be sure I am doing things correctly!




Its hard to tell because I cant get a hold of anyone at stcadvance, and I have no idea who they are and why they took $148 from my account. I just dont want to do anything illegal!

Sub: #11 posted on Wed, 04/23/2008 - 12:22

mooreba79 mooreba79

(Posts: 33 | Credits: )

Try asking your bank for the phone number of the processor that sent the ACH to begin with. I've mentioned before it will most likely be InterceptEFT 800-378-3328 or ACHCommerce (Moneygram Int'l) 423-238-5184. Ask for the processing department. They will be able to verify through your account if they represent the pdl. They will also be able to revoke authorization and possibly reverse transactions. If neither one of those companies has info, request the processor info from your bank.

Sub: #12 posted on Wed, 04/23/2008 - 12:23

Unregistered


Thanks, I will try that so I can track down whomever these people are! hopefully I can find out some information!

Sub: #13 posted on Wed, 04/23/2008 - 12:25

mooreba79 mooreba79

(Posts: 33 | Credits: )

I don't mean the 800# on the bank statement. That is an arbitrary number pre-selected when an account is setup with the processor. Just like the characters that appear on the statement. We're not talking about the same things.

Sub: #14 posted on Wed, 04/23/2008 - 12:28

Unregistered


oh ok, i misunderstood. I will call that number you sent.

Sub: #15 posted on Wed, 04/23/2008 - 12:32

mooreba79 mooreba79

(Posts: 33 | Credits: )

They may or may not be able to help you. If not, very specifically ask your bank for the "name and phone number of the ACH processor that initiated the debits to your account...not the company it was done on behalf of (the PDL)"

Sub: #16 posted on Wed, 04/23/2008 - 12:37

Unregistered


Just be careful - If this is a legit payment and loan, then you could be held liable for any funds credited back to you.

Sub: #17 posted on Wed, 04/23/2008 - 12:40

goudah2424 goudah2424

(Posts: 7936 | Credits: )

Thanks so much for your help!! You guys/gals are truely wonderful!

Sub: #18 posted on Wed, 04/23/2008 - 12:51

mooreba79 mooreba79

(Posts: 33 | Credits: )

hello, i have had the same problem as these other people have, stcadvance have been taking random amounts out of my account, and it keeps putting me negative and its become a vicious cycle that i want to be over. Can you tell me what my next step is? I live in missouri and the original amount of the loan was 200. I have paid almost triple that. please advise my next step, thanks

Sub: #19 posted on Thu, 08/14/2008 - 18:21

Unregistered


Attachment
More information
  • Files must be less than 500 MB.
  • Allowed file types: txt pdf jpg jpeg png.


Page loaded in 0.787 seconds.