I have requested a refund from these people 2 times by live chat at www.idtheftrefund.com. I never used their service!!! I answered a payday loan e-mail online and now these people are tacking money out of my checking acct.! They denied my request for a refund on may 9. I have not received any loan or accepted any offer for a loan. If this was an error, why don't they just honor my request??? Not only do i have very little money to live on now I have to pay my bank for insufficient funds, for 39.50 each returned item due to this!!!