I had on 11/23/09 a charge from my checking account of $99.00. I called my bank to see what that was for and they gave me the number above and said it came through as a check, it showed as check # 3882813 and my check number are three digit numbers. I called and spoke with a Lucious Malverax, which is a weird name and asked what it was for and he was rambling on for a membership to get my credit back on track and they will send me vouchers for $300.00 worth of groveries and I would have a line of credit to purchase items. I told them that I did not authorize this and he said yes I did and verified my checking account number, name address and last four digits of my account number. He also said that they had my IP computer address. I told him I still did not authorize the transaction and anyone can do it from any computer so the IP address means nothing and anymone can get my information from anywhere. He said I can fill out a form and they would investigate in which would involve state investigators and it could take up to 30 days. The site he had me go into to fill out the form will not come up with my e-mail address in which he verified with me. I went to my bank and they said that I would have to close my account and open a new one to file this as a fraudulant item.