I had applied for a short term Pay Day Loan with Last Chance Cash Advance, and was given an option of signing up for ID Theft Protection. I declined the offer, and was billed for the service anyway. The verbage on the website read "The Last Chance Cash Advance includes OPTIONAL ID Theft Protection, and Pay Day Loan resource center subscription. It also read, " By selecting the Yes box I authorize to have my account billed $31.98." When I contacted ID Services Theft Protection, the representative "Justine" told me that one... read full review »