December 31, 2010, I was checking my online checking account and I found a unauthorized charge to my account and when I checked the image, it was a "made-up" check with a bogus check number. This company did include their website address and phone number on the said "made-up" check. The company was "Unlimited Local Savings".

I immediately called their Customer Service number and asked what was up with this unauthorized debit to my account. The representative asked if I had applied for a PDL online recently, and I said yes, but I didn't take the loan and I sure the heck didn't agree to this charge. I then told her to cancel any membership as it was fraudulent (I used that word a lot) and to issue a refund immediately. She gave me a Customer Number and gave me the URL for a website where I could go an apply for a refund.

Went to the refund website ( ), entered required information, then got an immediate autoresponse that said to allow 72 hours for an update on the status of my refund. Not trusting the fact that I will get a refund, I just put a stop payment on this unauthorized debit.

No more online applications for anything from me. Lesson learned. Oh, and I'm done with this company yet. I will go to every internet site I can find, including the BBB and postmy story about "Unlimited Local Savings".