They call me on my cell phone, saying the at they're offering me $5000.00 worth of credit and they'll be sending me a package which included information about the program and a $100.00 coupon for gas. I receive the package and read it carefully and decided I wasn't interested. They told me that they weren't gonna take out any money except the $40.00 for my account with them and the monthly fee which is $19.95; however ,i called them and told them that i wanted my account to be terminate right away so they should refund the money back to my account.The lady told me that their won't be charge for termination and the package stated that there will be a $25.00 fee for termination which was fine with me just as long as they refund the $59.95 they charged for the 1 month fee and the sign up fee,and for the record i only did this thing for 2 days and i never used their card.the same day i got the package i canceled the whole thing within a second.now $149.00 is missing for my account. i called the bank and the explained to me that a strange check for $149.00 was send by me to Freedom Gold in Largo, Florida which i had no idea about. so i got their information from the bank and called them,but i didn't get through; however, i went online and read about a couple rip off that involved the same Freedom Gold AKA distinct Advantage. so I called the bank and filed a dispute against these people. THESE PEOPLE TOOK MY MONEY WITHOUT MY AUTHORITY AND I WANT IT BACK!!!