This company is a rip off. I have submitted so many documents for legitimate charges from my dentist and they are not paying them, always asking for more information and freezing my card so I can not use it. I have called numbers on the back of the card and on the website which are both saying that my account is not recognized and does not give options to speak with a rep so can not resolve issue. This is an ongoing issue I am having with this company. This is a scam .