I didn't mind using it at first, because well.. Who doesn't need that extra money before payday sometimes? But when you let me borrow the $50 and as soon as you send it, you take it right back out of my account and still want me to pay back the $50, I see you as a complete scam. So I stopped using this and you will never get what I "owe" back, because technically.. I never got it to begin with.