Payday and auto-title loans are widely available in Tennessee, but online loans carry additional risks, as one Morristown woman found out. When she took out a $500 loan with Hydra Fund II in August 2012, Rhonda Wisecarver provided her checking account information, believing that the loan would be deposited there. Ten months later, however, she saw that Hydra Fund and Anasazi group loan company had made withdrawals from her account that added up to nearly $3,000. Better Business Bureau (BBB) President Jerry Tipton pointed out that this is one of the inherent risks of using online payday loan companies. "People can do anything with your checking account information," he says. "They can charge you any rate they want, take as much as they want out." Hydra Fund II has an F rating with the BBB, with many customer complaints involving billing and collection issues.