I checked my bank statement online this morning and to my surprise there was two charges of 29.95 to my account for my savings club and my travel club! i have absolutely no idea who or even what these companies are. when i called to ask questions they told me that they would refund the money to my account and that it would take 3 to 5 business days! when i told them i did not authorize the charges and that i could not wait that amount of time they switched me to a supervisor who tried to tell me that it was my bank and that was the process when i said this was not satisfactory and go upset she hung up on me! I called back immediately and asked for a manager and was told that this lady was the highest person in the company and there was no one else to speak to. and was hung up on again!! by the way no time during any of these conversations did these women tell me their names! BE CAREFUL!!!