I checked my account balance and saw this $89.00 withdrawl with a phony check number and no information. After I called my bank and had to pay a $2.00 fee to get info, I called the number they gave me. After being on hold for 5 mintues I finally talked to a " representative". He kept telling me inorder to get a refund of my $89.00, I had to fill out a form and send a copy of my bank statement. He told me this about 5 times before hanging up on me. Hopefully I can get my bank to reverse the charges- if not, I will have to close out my current account and open a new one since they will probably take out the $19.99 a month membership fee........WHAT A SCAM......