I applied for a payday loan with this company, however, I did not apply for the ID theft protection. They withdrew $31.98 from my account for the Id theft protection without my permission. I submitted and filled out a refund form. They sent an e-mail, saying before they couldn't refund the money, until they had more information. I submitted that too! Still, It's been 8 days, and no refund! They are a ripoff!