I too have had problems with this PVC company. PVCInc:eClubUSA address is " eClub USA Member Services 501 W. mBroadway Plaza A # 321 San Diego, Ca. 92101 phone number : 1-877=532=2800 Anyway I did not sign up for anything either and had money withdrawen electronically without my permission from my checking account. On 12/13/09 they took $49.95 & on 12/29 they took $14.95. Since I had no clue that this fraud was going on my checking account ended up being overdrawn, which by the way had never happened to me in my entire life. My bank continued to pay my bills but although they were in their own way assisting me ended up charging me 12 individual #30.00 courtesy fees so before I realized what was happening I ended up being over close to $500 in the hole & I am still there & my bills are late now which will result in more charges for me because payments will be late all due to the PVC company and their fraudlent activities. After hours & being hung up on and threats I did end up getting someone with their company to agree to give me a refund but get this scam.. They would not put the money back into the account the way they took it. I was told it had to be mailed... Also told that I would only be issued a pro-rated refund, like they did me a favor in issuing a partial refund for a service I did not know existed. When check arrived it was only for $42.53 yet the original charge they relieved me of was #49.95 on 12/14 & it seems the one after that taken on 12/29 for $14.95 was not even taken into consideration. Well right there shows everyone it's a rip-off because if they issued a partial refund of the earlier charge a full refund of the later charge should have been issued. Another point is if a company can get into your account electronically to remove funds, why doees their refund policy not allow them to return it the same way. Included with my partial refund was a letter stating that Per my request they have enclosed a REFUND FOR MEMBERSHIP FEES.As per policy and membership is cancelled & that should I impliment a reversal of charges from my banking institution after reciept of this check that I will open myself to a legal action and will be prosecuted to the fullest extent of the law.. Love that one. People be aware that this predator company is out there and will make life miserable for you and will ruin your credit if your not watching close. How they are allowed to continue to do this I do not know. One would think that after all the complaints that this company would have been shut dowwn by now. Our country has Homeland Security, FBI & CIA & even the BBB. I would think they would be assisting with the protestion of Americans from net scammers & theft. My husband served this country in the Navy for 23 years & my son is serving now. Meanwhile myself & countless others are being scammed & destroyed here at home. Will someone in power please step in and take this company down. Thank you all for reading and take care. Anne Toy