This is a very bad scam. I signed up for a 1.97 offer to receive a package to earn money at home. After checking the website, I realized it did not represent the services advertised (time.com). I canceled immediately, and received a cancellation number, with assurances that nothing was taken from my account. Four days later, 1.97 was debited from my account, taken from the following source: S4P*SCHPROFIT, an account in California. I canceled my cards immediately, realizing by that point it might be a scam. I was told by Citizen's Bank that it was all taken care of, and filed the first of several affadavits. A week later, a 69.97 charge appeared. I became very concerned, thinking that these criminals accessed the routing numbers. The bank assured me again that it would be fixed, once I filed affadavits. The bank apologized, but said that it IS NOT UNCOMMON FOR THESE SCAMMERS TO REMOVE MONEY FROM CANCELED DEBIT CARDS! I couldn't believe it; this is hugely disturbing, because anytime a card is canceled and removed from a bank account, IT CAN STILL BE CHARGED FOR AT LEAST 30 BUSINESS DAYS AFTER CANCELLATION! The bank did not seem surprised, nor concerned. They sent another affadavit; I filled it out, along with a detailed letter as to what happened, along with ample documentation. A month later, Citizen's had given back the money taken from the account. Tonight, I found ANOTHER 69.97 charge, again on the COMPLETELY CANCELED DEBIT CARD, and for which I AGAIN called the bank. I reminded the bank that the debit card was completely canceled from the account. This representative was as cool as a cucumber, and said this happens all the time, and that they will "fix it" by eventually putting the money back. No one so far seems interested in investigating this problem, and the bank keeps taking a huge hit, which I reminded the bank we all end up paying for. By this time, I was livid, another affadavit, another apathetic employee. So I called a new rep., and asked to speak to a supervisor. Same thing- this one said the card had never been deleted off some database, (even as the person the previous month had said he had deleted the card himself), that this happens all the time, and that they would "take care of it." I kept telling her how bad this was, that if this is happening all over the country, then millions of those with canceled debit cards are getting ripped off without the bank protecting their account and without their knowing it, or that they are calling the banks, and the banks ARE LETTING SCAM ARTISTS RIP THEM OFF, because they don't cancel the old debit cards. This supervisor kept repeating, "Federal regulations are there to assure you, that you will get your money back." I was so mad; I kept repeating, "This is not about me- this is about the fabric of our country ripping apart at the seams." She didn't care, seemed to be bored, and only wanted to get rid of the "problem." This is the fifth Citizen's employee I've spoken to, and no one seems to know how long this scam company will take my money.

If you have to cancel a debit card, or even if the bank does it and sends you new ones, BEWARE. Those old cards can still be charged, even if they are deleted from the bank system, MONTHS after deletion. Worse, the bank won't do anything about it, because they allow companies to remove money at will, even if the reason the card is canceled is to avoid a scam. We consumers are paying for this.