When I tried to apply for a loan on the internet I did not have any idea that I was going to be charged with almost $50! I called the hotline that the bank gave me and some Asian agent answered. The agent told me that how I got signed up with them or something and what I signed up for like it's a membership for some benefits. I was like, I'm not interested at all and asked them to cancel it for me which they actually did and yeah, they gave me my money back in like 3-5 days.