I too was a victim of this scam! While trying to receive an online payday advance an add popped up about a "virtual visa." After reviewing the add I declined and continued with the loan application. A few day later I received a bank statement with a withdrawal of $49.95. After reviewing the statement, I contacted EverPrivate Customer Service and was given a ticket number and promised a refund in 7 to 14 days. I have yet to receive my refund and have had no luck with making further contact about the problem. All emails have gone unanswered since the refund was promised.