STAY AWAY FROM USACREDIT.. sure i also am missing 149. but i have many overdraft fees to go along with the bad debt. i made a police report took 2 hours but we need to step up and fight these thieves also filed a dispute with the bank. i will not rest until my money is back. I am disabled and on a fixed income. i barley have enough money to pay for my medication that cost me 500. last month alone. BESIDES what is it that you get for the 149, nothing. I would expect a new winter coat. read full review »