It was on last December when I applied for a loan over the internet however after several days they charged me of $49.98 for something like a 3rd party kryptonite credit offer. Well, I was looking for a loan not a 3rd party offer. I did not authorized this, but they said i did, Its like a risk free offer added to the loan. So I called them immediately when I received at the moment I received my bank statement, their customer help care are easy to talk with, upon my request they immediately processed my refund.