on october 3rd of 2010, i applied for a loan as i started filling out the application 'all of a sudden i was redirect with several windows openning with the same info i have enter, i then closed all the windows, then on october USA CREDIT debit $149.95 from my checking account, i then called the 800 # that was on my bank transaction, i then call and spoke with USA CREDIT rep about the debit from my account, she was selling me all stories about, so after i told her that this is a scam that i started filling out the application ' then all these diffrent windows started to open, she said to me that she can only reimbures me the total of $114.95 that $35.00 is for their application fee, can i fight this and if yes how can i get back my !149.95 instead of $114.95.