Taking money out of your account without consent, unaurthorized, something about and email
Complaint
Carolyn Rivers
Country: United States
When you apply for a small fast loan, zeal claim they are in the application agreement charge $29.95 when you are getting the loan, not fair because you are already paying a percentage amount for that loan.
Comments
Do NOT take some vague "a payday lender" or "I don't have that information" for an answer. As these scams are typically run, both answers are indicators of fraud.
If they claim it's through their own site, they identify the site, and you applied on that site, then you can capture that site to show deceptive website construction, used to obfuscate this "disclosure" so that most consumers would not only not see it but not even expect that it was there. If the charges were made based on deceptive website design to get your account number for one purpose, and obfuscated disclosures to claim they had an "agreement" to use it for another, then you have an indication of fraudulent "bait-and-switch" charging.
More likely, they will probably say they "don't know", as they hide behind real or fake "payday lender" fronts, to evade responsibility for any misrepresentations made in the "application" websites.
If so, then they are failing to prove or demonstrate ANY agreement at all, so since you don't have any "agreement" with THEM, their ACH charges are unauthorized in violation of NACHA rules.
"...
Government Actions
On July 26, 2012 the Utah Division of Consumer Protection issued an Administrative Citation against Zeal Funding Services LLC, Zeal Money Solutions, My Money Toolbox, My Moneyleaf, and Adam Bronson ("Respondents"). It is alleged that the Respondents made unauthorized debits from multiple consumer accounts, while consumers allege that they did not visit the Respondent's websites. The alleged actions are in violation of the Utah Consumer Sales Practices Act and carry a potential fine of $15,000.00.
..."
Immediately contact your bank to file a fraud dispute, and close your account to block further fraudulent charges. Follow up by sending a fraud affidavit to your bank's fraud department.
File fraud complaints with FTC, the Consumer Finacial Protection Bureau, the Office of the Comptroller of the Currency, the Utah Division of Consumer Protection, and your state AG.
www.ftc.gov
http://www.consumerfinance.gov/
www.occ.gov
http://consumerprotection.utah.gov/