I have never heard of VBL*AlterFunds.com 800-5098579 FL, but this company charged me $29.95 on my CapitalOne Visa Card on Oct 15, 2009.

I called the 800 number which is being listed the monthly billing statement of the Visa Card, a staff took my call and kept asking me to give her my private information for verification before asked me what kind of help that I was looking for.

Then, I asked her what kind of service or product that you charged me $29.95 on October 15, 2009. She simply told me alterfunds.com membership. but I have never looked for any kind of membership with them, I have never received any mails from them and I had no idea about their business at all!

I told their staff that I am looking for $29.95 refund from their business. The staff told me that I had passed their 5 days refund period. What? I had never heard of their business until I found their fraudulant charge on the monthly billing statement of my CapitalOne Visa card. How can a victim like me to get a refund from this business within 5 days when I was totally unaware of their charge? The staff told me that instead of giving me a $29.95 cash refund, they would like to give me 3 months free membership. How strange it is!
Of course, I said no to them because I have no idea about their business at all.

Any suggestions on how to prevent this frauldulant charge from happening is highly appreciated.