Has anyone had customers' accounts debited $30 from FastLoan4me? We have one now and our customer says it is fraudulent. The debit actually comes in as a paper item and says "No signature required, this payment has been authorized by your depositor." Then it lists our customer's name. This is the 3rd debit for $30 in the last two months. I have found several websites talking about how this is a scam. Is the best way to handle this to have them fill out an affidavit of forgery for all three items and give them $90 back? Can we wait to see what the response is when we send the items back before we give the customer credit? Thanks

We've had several customers saying they didn't do these, however it appears they are a fee related to acquiring some kind of payday loan online. I have other customers with them that have not disputed. Most of the time it's just a matter of not reading the fine print on a website. We use an affidavit for unauthorized remotely created checks (modeled after a forgery affidavit) since they are not signed items. We do a fed adjustment as a warranty claim, and don't give the customer credit back until fed gives us credit. Put it between the customer and the website and let them fight it out. We did have one customer that resorted to opening a new account because the drafts were coming through every 1-2 weeks.

Customers often claim scam on websites when they don't read the terms and conditions that mentioning they are signing up for a monthly charge or that there is a one time charge.