Find out what your next steps should be if you have an internet payday loan.

  1. Stop any electronic access that the lender has to your bank account. This may require sending the lender a letter withdrawing ACH authorization. You may need to also alert your bank or credit union that you have revoked such rights from the lender. If you have not paid back what you borrowed from the lender, make alternate arrangements to send payments to them by money order.
  2. If debiting from your bank account doesn’t stop, first open a new account at a different bank or credit union, then close the account tied to the lender. Your balance cannot be in the negative to do this.
  3. If you receive harassment calls, file complaints with the Virginia Bureau of Financial Institutions, the Consumer Financial Protection Bureau, and the Federal Trade Commission. If Harassment is particularly bad or by people you did not borrow from, it may also be a good idea to file with the Internet Crime Complaint Center.
  4. If you have questions or are unsure of next steps, call our Hotline if you need help with internet payday loans: 866-830-4501