I called two times to the number listed in my bank charge itemization.

1) The man who answered sounded like he was at breakfast. I said the charge was for a lifetime membership to Member Reward Network (www.memberrewardnet.com). He needed the last 6 digits of my credit card number to look up the account. Since I did not have my card that moment I told him I would call back.

2) I called back and a woman answered. We went though the same discussion but she said the charge was for a seminar that I went to. I did go to any or sign up for any seminars. She said it was not fraudulent because they have my correct e-mail and address and phone number. I explained to her that I knew nothing about this and someone was using my personal information illegally and this was fraudulent. WHEN I told her I was going to dispute the charge through Bank of America she immediately offered to refund the money and cancel the account. Then she had the nerve to tell me to be more careful signing up for seminars!!!

That comment is what made me decide to post this complaint even though they are supposedly refunding my money. I am also going to go ahead and file a complaint with BOA.

Below is the charge information from my bank account (with personal information removed) to show the charge information:

Purchaser: XXXXXX XXXXXXX

Description: CHECKCARD 0923 MEMBER REWARD NETWORK 888-5355354 UT 24239000267900015388491

Merchant Category: Information Retrieva

Expense Category: Wholesale Distributors & Manufacturers

Merchant Category Code: 7375

Check Card Fee Waiver status: Qualified