I saw a flier for AFCA back in 1998 and I called it. I went to their office in Richmond, CA to get help with getting a credit card, since my credit was not very good. They told me that in order to get the credit card, I had to become a member and pay a $5.00 monthly fee for one year, and that they would report my good payment history to all 3 credit bureaus monthly, which would improve my credit.

After I no longer had the credit card about one year later I believe, they still kept charging me the $5.00 fee and still do now. I tried to have my bank stop them from doing this, but they told me that only AFCA can cancel this preauthorize monthly fee withdrawal. It's been about 10 years now, which means they have taken about $1000.00 out of my checking account, with no services in return! How do I get my money back?