But just two weeks before her surgery, Bresin said American Benefit Finance changed its mind and said she didn't qualify for the loan after all.

"Every time I tried to talk to someone I got screamed at and hung up on and all I wanted was a reason why they were taking $100 out of my account," she said.

The business manager from American Benefit Finance verified that Bresin shouldn't have been penalized the $100 because she never canceled, the company did, and said that there was some sort of misunderstanding.

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