Today I had this nagging feeling to check my balance, I could of gone to an ATM and withdrawn money which is also what this nagging feeling told me to do (yet I ignored). I was about to lunch and wanted to verify I had the money to do so. I checked online and the first line I see is Geneva-Roth Vent pending 400. I know I had not made arrangements for that type of money on a day I am not paid. I called the bank who confirmed the same information I was looking at online. I called the 800 listed the call was never answered with the name of the company it just asked for account information. I chose the option to speak to an operator (no name given) I then told her that I noticed a charge on my statement in which I am not familiar with. I was placed on hold and shortly after a female got onto the line. I told her my name and the reason for my call which is to find out whowhat this company and charge is. She asked for my social I refused her since I still knew nothing of this undisclosed name company. She asked me how do I expect her to pull up my info if I do not give her the social. I told her why would I give my social to someone I know not? She became increasing louder and rude. She told me we weren't going to play 20 questions...So I reluctantly gave her my social then she asked me another question I answered then she asked me another...I said Hey I thought we weren't going to play 20 questions! She told me I seem like I don't want to resolve this matter! I told her I do but how about you ask a question I answer...I ask a question you answer! She wasn't open to that. 400 is a lot of money for me (besides the fact it has overdrawn my account and it is the weekend so the bank can do nothing until Monday or Tuesday). So I gave her what she asked for. She told me that I took out a loan online in 2005 that I choose not to pay nor make arrangements on. I said wait a minute 2005! How do I know that is a valid debt?! She said if it wasn't I wouldn't have been online this past Tuesday applying for loans online which is how she got my information. Not only had I not applied for any recent loans, I have a loan with Cashnet Usa in which I have loaned atleast 4 times with since November 2007. That is the only online loan I have had since 2004. I asked her how much the loan was for...again she refused to give me that information. I told her I am the victim here and she need to calm down. She told me I am not a victim I just don't pay my loans! Why am I continuing to apply for loans if I have no intentions to pay them, although we had not established the loan was actually mine. Nor was I offered proof! I was not notified that they were going to debit my account, how much or when!!! Me not knowing the balance they could take 400 today 600 tomorrow on and on! This has got to be illegal I did not get this bank account until 2007. Whatever information they had in 2005 has nothing to do with this bank account. If I were applying for a loan obviously I need the money so what makes them think I would have 400 for them to be paid? I have requested a stop payment of the funds but that still leaves me without available funds through the weekend! My bank has suggested I close this account and open a new one! Sure I could do that but this is unjust! Even if they legally can take the money from me how I was treated was unfair! I still should of been given a warning which I wasn't and I should of been supplied with PROOF!