I check my bank account to find it overdrawn on December 27th, 2007 and found out that they had charged my bank account for $17.95 plus I had to pay the overdraft fee which right after Christmas and the end of the month when I am low on funds ( I live on Social Security disability) when I called the bank they insisted I must have authorized this draft, which I definately did not do, so I will take these written complaints to my bank as proof that these are scams. Thanks for sharing