I did not at any time give authorization for this company to debit my account. I had no funds in the account to begin with, and now its 149.00 overdrafted and the additional 35.00 that the bank of america now charges with its high fees. i always check on ripoff reports to make sure im not being swindled and the way they got this off was, i applied for a payday loan and somewhere in their terms and conditions or somewhere along the submits, they took my banking information and charged me 149.00 that i did not have... dont trust payday loan sites without doing your homework.