I have spoken with Bank of America regarding these 14.95 withdrawals that I overlooked on bank statements...I have NO idea who these people are, and certainly have never authorized the payments. The bank said they would work to find out who they are, and gave me a temporary credit...but said depending on the outcome, may have to NEGATE the credits!? I am in quite a nightmare and hope the bank stops these crooks...because I certainly don't know who else can do it!