Complaint Review: American Financil Operations

My husband talked to these people on the phone on August 17 2007. At that time we had put in a request for some loans. When they contacted him they said that he was approved for a credit card for 2000.00 and in a month he would qualify for 1500.00 cash. They acted like that we had contacted them and asked him to verify his checking account number for a 200.00 processing fee. I was not home at that time and did not know about this. They said that they would not take it out until Monday August 20 2007. They made our account overdrawn. They tried to take it out sooner. On Monday I say your report when I was trying to find out something about this company. I immediatly told my husband to stop payment on this he called his bank Union Bank of California. They said that they did this and reversed the charges and put back what we did have. Meanwhile before I saw this my husband had put the 200.00 in because of us being overdrawn. They still took out the money and our bank said even though that we had a confirmation of this that they cannot do this for electronic debits. I did read that the one lady did have hers put back for stopping payment. We would like to know how to recover our money. My husband did contact the company and told them to not contact us and to take us and our account off of everthing they had and that they were fraudulent. He is going to contact them again and try to recover our money. I still blame the bank for there mistake and think that they need to take care of this. Also that something should be done to these companies that do this to people. Thank you and please advise us on what we can do about this. I did send a letter to the Attorney Generals Office of California.

Pamela
Porterville, California
U.S.A.