PayPal for charges.
I probably went for a free trial for some cheap music via internet. I do not remember committing to a subscription and especially by PayPal but I was billed more than 30 dollars for 8 or 9 months before I discovered the rip. I asked to be terminated and refunded and forgot about it. They credited me for one $30+ charge and ceased the monthly charge. I did not realize all the charges till tax figuring time.