I noticed charges for $49.95 on my bank statement when trying to get credit for charges from a credit card processing company that we decided to not use. They informed me that the $49.95 charges were not from them. I went back to all of my statements and saw where we were charged that amount for the last 8 months. The credit card processing company gave me a phone number for UMG so I called them. They told me they were for Discover and I told them I never signed up for any program and she said she would call me back and play the recording of me agreeing to their services.

She played it and I was answering their questions then they started going into something else and finally I got fed up and told them I was not intersted and hung up on them. They said what I disagreed to was the second offer but that I agreed to the first offer. I told them I had meant I wasn't interested in anything. When listening to the recording I heard the gentleman say they would be going ahead and sending out the first packet but since I was hanging up I never heard that part. They said they would only credit back the last two months instead of the 8 months that they were charging me.

I will be filing a complaint with the better business bureau on this.