I was checking the balance on my seldom used checking account to make sure I had enough in it to pay for an Ebay purchase, and for the 3rd time within a year, these people have charged me for renewal of magazine subscriptions that I did not renew. After having to call and go through the 15 minutes of recorded prompting, I finally pressed the "O" twice on my phoone number pad and got a person to talk to. (I read somewhere to try that to get out of many selections given from a phone prompt. I only had to state my situation and they said my money will be refunded, and I told them I want anything pertaining to my name and address removed from their computer. The money has always been given back to me, but as I said, I hardly use this checking account so I keep the balance pretty low. Then the TWX request for payment is deducted, putting me into an overdrawn situation. My bank must be used to this unscrupulous company, they always remove any charges incurred by these idiots. They have reported many times to the BBB, but I fail to see how they stay in business.