i had the same problem with usa credit. i called my bank and the charge had to do with appling for a loan online. they charged my account 149.95 and my account only had 75.00 in it which left it -74.95. i called the bank and they got the number to the company and gave it to me and told me to call them. i called usa credit, iand i guess one of those boxes you have to check when applying for a loan is what gave them permision to take the money out of my account and usa credit isnt even realy a loan company. the 149.95 is a lifetime membership... read full review »