Just like everyone else, I was trying to get a payday loan online, got turned down, and then 2 days later I have a $99 dollar check that posted. The first response when I called the banks 800 number was that any company can create a check with a routing and account #. Finally I had to call the local branch I bank with and file a fraud complaint. Now I have to get new account numbers and everything. Even though I will be receiving my money back from the bank, I still think this company should pay, so I am pursuing this issue even further.