Complaint Review: Unlimited Local Savings

These guys sign you up through payday loan sites.

I distinctly remember twice refusing the offer, but I got signed up anyway.

I received a "Welcome" email from them on February 21. I called them immediately and told them I did not authorize this and they were not to debit my account. They said they couldn't stop the debit, but they would process a refund within 72 hours. I told them this was unacceptable and that they were not to debit my account.

My account got hit for $49.99 on February 28. I called them back and asked what part of, "Don't touch my account," was unclear to them. The rep apologized and said the money would be in my account by March 7. I told him I was contemplating filing fraud charges; he said to go ahead.

I checked my account today (March 7); there was no refund. I had a long, online chat session, which I copied and pasted to a file for future reference. The representative said they would need, "a few more days to clear our system," and asked me to wait. I told her this was unacceptable since I am now in danger of overdraft fees. I asked if ULS would reimburse the fees and she said no.

I told her that I had reported the matter to my bank, and that I would report it to ULS's bank and to law enforcement if I did not receive the money today; she told me to go ahead. I asked what constituted "a few more days" to them, but she repeatedly evaded the question.

While waiting for her reply, I submitted a complaint online to First Bank of Delaware, the bank for "Discount Web Member Sites." This was the payee name on the check; the Memo section listed a reference number and contact info for ULS.