Checked my bank account this morning and noticed 11.99 for something called UMG Buyers edge. Did a quick Google search and saw a lot of complaints for them. Got a phone number and was talk to someone as to where they got our information. I thought for sure it was stolen somewhere.

Well, apparently my wife had bought something online from a website called Personal Creations (http://www.personalcreations.com/home.asp) more than a year ago. So they did have our information for a credit card we had used. However we never authorized anything else.

The only good thing so far was that the person on the other end of the phone line said we would be refunded immediately and the charge would be taken off. However UMG has 50 different web based businesses, like Personal Creations, and I would suspect that all of those subsidiaries owned by UMG try to pull the same fraud hoping a small charge of $11.99 won't raise a flag.

I called this morning so we might not be refunded the charge, but at the very least they were not hostile on the phone (unlike myself!). The number I called was 1-888-326-7156. If we don't receive a refund I will post something, although I think I am going to the bank to block any and all charges in the future for this company.

There real name is united marketing group phone number 1-888-326-7156. I finally got a hold of someone and asked them to pull up my account. She cancelled my membership and credited back 2 months. We will see if it happens or not at least I now who I’m dealing with to cancel and how I got coned in to this nightmare. My insurance company offered this perfect home savings and they never send me info they just take out 11.99 a month from my checking each month. I called the bank and they can not stop it with out a letter stating I cancelled this contract with the company. Kind of hard to do if you can't find them. Thanks to this web site I found them. THANKS GUYS.