8.23.10 I just caught illegal, fraudulent charges of $14.95 sometimes twice a month on my bank account from Red Env Re (Red Envelop Rewards). I brought an engraved key chain from red envelop in November 2009 for my husbands birthday. Although I never buy anything on-line except flights with our joint credit card, I used my personal debit card, so it would be a surprise for my husband. At the on-line checkout, Red Envelop said I could get free shipping if I joined there free rewards program, so I checked the box. I never received any e-mail confirmation or anything in the mail to verify this. I did not notice, but before the gift even arrived I had a charge of $1.95 from the fraud co. Red Env. Re. Then $14.95 every month on a different date since them, twice this month and I caught them. Citibank fraud dept. conference called them with me. I followed the instruction from other people on this website to get a full refund and it worked. You have to be transferred to their consumer affairs dept, all dispatchers are from India and you have to keep repeating things like your name, address and phone over and over. They try bargain you down by only giving you two months refund...don't back down, only accept the full amount and you will get it! Helped that Citibank was recording the whole conversation. Stay away from Red Envelope and pro flowers they are sister companies (front companies) of this fraud ring. God only knows what the fraudulent money is really funding!