This company gets your personal and financial information without your knowledge or consent and does an account check with your financial institution. Your bank will report a credit of $.01 to your account a few days before the account transaction. After a few days a charge is posted to your account without services requested, authorized or rendered. The company, when contacted, will not supply you with any information as to how they got your information, how the request was initiated or for what you are being charged. The state they will close your account and refund your money in three business days. This is not satisfactory when there was no purchase initiated by the consumer. The customer service is very poor. I was told if I was going to report the issue that the would not refund my money but would wait until the authorities forced them to return the money.