If you apply for a payday advance online, this service is attached to over 3000 websites.  When you agree to the terms of the website, you automatically are signed up for the service.  You have to call and cancel

I did not COMPLETE this loan transaction or submit any confirmation for this loan amount and I have already had money taken from my account without my consent. I did not accept the loan amount offered to me. Any company that tricks people into this type of loan agreement knowing the average person does not understand all of the loan terms & conditions, is unethical and should be removed from business. AVOID 1st CREDIT NOW!!!

I applied for a loan and did not go through with it but this other company, 1st credit now, debited my account.  They said that since it was a self enrollment program that they could not give me a refund so I cancelled the service and the next month they charged my account again.  I had to go through a lot of red tape to get my money back.  I also asked them that if someone was applying for a loan it obvious that they need money so why would they authorize your company to take money out?