AFTER USING MY ON-LINE BANKING ACCOUNT I NOTICED A STRANGE CHARGE RE-CURRING EACH MONTH TO MY ACCOUNT...APPROX. THE 15TH OF EVERY MONTH...THE AMOUNT WAS $14.95 MADE PAYABLE TO UMG BUYERS EDGE SERVICES. I CONTACTED MY BANK AND WAS ASSISTED BY MY BANK PERSON WITH A TELEPHONE # TO PHONE ABOUT THE CHARGES...I CALLED AND SPOKE WITH ONE PERSON ABOUT THIS CHARGE AND SHE STATED THAT 1 MONTH REFUND WOULD BE MADE TO MY ACCOUNT. AFTER SO, MY WIFE AND I RESEARCHED THIS COMPANY ON-LINE AND FOUND NUMEROUS COMPLAINTS ABOUT THIS COMPANY. I WENT BACK TO MY ON-LINE BANKING ACCOUNT AND FOUND THAT THESE CHARGES HAD BEEN RE-OCCURING SINCE AUGUST OF 2009. I CALLED UMG AGAIN AND DEMANDED THEY REFUND ALL CHARGES THAT WERE TAKEN SINCE AUG 2009 - FEB. 2010. AFTER BEING PLACE ON HOLD SEVERAL TIMES (NO SUPERVISOR)...I WAS TOLD CHARGES WOULD BE REFUNDED WITHIN 3-5 BUSINESS DAYS...WILL KEEP EVERYONE POSTED AS TO THE OUTCOME...BY THE WAY, THESE CHARGES WERE NEVER AUTHORIZED AND WERE CHARGED FRAUDENTLY BY A NAME WHO IS NOT EVEN ON MY ACCOUNT. THE NUMBER I USED TO GET MY SATISFACTION (WE'LL SEE) IS 1-800-653-6433...ASK FOR CLARA