On August 21, 2008, I notice a debit charge of $149.00 on my checking account. I on August 22, 2008 I called this company and spoke w/this company and was toll I had to write a letter to a company called Diamond Excective.I did this 3 times and each time I sent them Fedex. ON the 3rd letter I received a form to fill out I received this on Sept.20.2008.I sent this form and the all the info. they needed for me to hopefully receive my refund back to me. This company is a spam and a rip off when I asked them what service they provided they could not give me a straight answer. I hope by filing this complaint that is noted somewere, this company is a scam and a rip off to people. The address of both MY ON LINE CREDIT STORE & DIAMOND EXCECTTIVE are the company w/the same exact address.i found this out only when I received their form to fill out.They have done nothing but given me the run around.I hope maybe you could help me. I did a proof of receipt w/Fedex and this company did receive my paper work on 9/23/08. Thank you Concetta M Lombardi1