I have a charge on my checking account for 69.95 dollars and I hadn't authorized it. You need to call 888-210-2544. I did and told them I had not recieved their cd and did not know what the charges were for. THEY said that it was for a seven day free trial offer, of which I needed to contacted them and cancel with in those seven days. That's why I was being charged. I responded to them telling them I have not received their gov. grant Cd and there for I was unaware of any monthly ($69.95) charges. he proceeded to tell me that I had a pin/password. I said of which didn't even work. ANYWAY he refunded me the money which would take 3-5 business days BEWARE OF THE SEVEN DAY FREE TRIAL(s)