I was looking into information for a payday loan and somehow I ended up with this Id Theft protection that I didn't even apply for. I called my bank and have filed a fraud claim against them. I was charged with the amount of the fee of $31.98 + $35.00 overdraft fee. This put me in a neg. balance. I think that the government banning these companies is one of the smartest moves that could be made. That way you aren't hit with hidden cost like I was.