USA Benefits put a charge on my checking account. What to do?

I just received a 9;95 sebit as well, and I calld the 300 number...Got a very nice phone Rep which informed me had I not called to cancel this would have been deducted every month. Now if you don't have an understanding bank, you will have that 30.00 overdraft fee, however, I advise everyone to take their advice and do the police report for the non-concent used for taking the information. I was shocked that they had every bit of my personal history!

This also happened to me, actually 2 months in a row. Apparently this is a monthly charge; however, you can call your bank and report this as unauthorized and you will be refunded the 9.95 PLUS any charges made to your account for fees as a result of this unknown withdrawal.

Contact you Banking institution. Put a stop payment on the $9.95 charge and file an un authorized withdrawal and Fraud against them.

You do not need to pay a stop payment charge. Just report as unauthorized withdrawal and any bank will refund.

I sure hope they catch these people. I'm another one
they got. My bank is checking into them. They said
to close this account and re open another. I will
never give that info on the web to anyone. If they
have that info they probably have our other vital
info. That's a scary feeling. Let's catch these goons.
sincerly, me

I contacted this con artist. They have our social security #'s work history, mothers maiden name, deposit info if you have direct deposit from your work
checking acct/debit/or credit card info, depending on how you applied to see what kind of loan was available
they recieved all the info before you had a chance to decline or accept. which we all declined. Then they said we all accepted a free credit report. which we did not. I called this company and told them to destroy all my personal info. The man told me he couldn't do it it goes into a historical archive.
so my question is how can we stop these people and make them destoy our info. who can we contact.
This really sucks to have to worry about what they are going to do with all our info. we are going to have to check our credit reports often. Thats what they wanted.

They got me too for 3 months straight for $9.95. I called them this morning, waited online for 3 minutes and spoke with a rep who claimed i registered for their services, i told her i didnt and wouldnt and to stop withdrawing from my account immediately and that i plan on reporting them. I've contacted my bank and plan to contact the BBB and FTC as well. Please follow up with a complaint so that its harder for these clowns to rip people off. Below is the companies information. By the way, if you go to google and type in their phone number, you will see that they have been doing this for a while.

Company
USA Benefits
Address:
1 Millenium Dr
Uniontown Pennsylvania 15401
U.S.A.
Phone:
800-809-5986

[quote=rede56]so my question is how can we stop these people and make them destoy our info. who can we contact. [/quote]
Contact credit bureaus and inform them about the incident. File a complaint with your local police, BBB and FTC.

It's difficult to make them destroy our information once it has reached to them. What we should do, not to disclose our personal information to whom we don't know. Anybody can use these adversely and you have to pay for it.

Does anyone have an address for ameriloan, United Cash Loans, or One Click Cash? They refuse to give me their addresses...thanks!

Loveynurse,

I searched the net and what I found is that, ameriloan, United Cash Loan, USFast Cash all are same. They even don't disclose their street address, phone number over their website. These companies are listed in badbusinessbureau also.

You can check past discussion on Ameriloan to acquire more knowledge.
http://www.debtconsolidationcare.com/forums/ameriloan.html

One Click Cash, perhaps, is the alias of Preferred Cash Loan. This company is also listed in badbusinessbureau site.

Preferred Cash Loans - One Click Cash
Address:
2533 N Carson St, Suite 5024
Carson City Nevada 89706
U.S.A.
Phone Number:
800-230-3266

If you get any other info about them from any other source, please inform us as well.

Do they even have a homepage? Address goes directly to equifax....
Trying to cancel so i am not debited, please help
Dinah

Thanks

[color=red][size=2][Email removed as per forum rules-Vikas][/size][/color]

Dinah, you can contact at the customer care cell of USA Benefits at 800-809-5986.

I just noticed a $9.95 debit on my checking account AND incurred a $30.00 overdraft!
I called the company 800-809-5986
I demanded the address:
USA Benefits
1 Millennium Drive
Union Town, PA 15401

Told the guy what a scam this was and informed him that I would be writing my congressman, state rep's and report to the BBB.
If everyone would do the same we might get some attention.

GuyB

I will also suggest you to file a police report and take legal help of your attorney.

I want no part of usa benefits i didnt know i was even enrolled.
i woud like a refund of the monie you took from my account. Im calling the better business bureau and
reporting you for fraud.

thanks

from doug jenson

I have been charged for a few months and I finnaly called my bank. You can fill out an "unauthorized debit form" at your bank and they will stop it and hopefully you will get your money back through the bank. It does not cost anything at my bank because it is not stopping a check I wrote or stopping something that was originally ok'd by you. When filling out this form you are basically stating that it is a fraudulent charge. Check with your bank.

Sory about the spelling errors

I just realized i was getting the charge and i never clicked to receive any report or loan. I called my bank and they told me to fill out an affadavit for fraudulent unauthorized charges and i will get my money back and stop payment to them. it will not cost me anything either. I love Citizens bank.

Hi johjstc

If you file a police complaint at the same time, it will speed up your legal actions in recovering money from USA Benefits.

Regards
Roxette

they got me too what do i do?

cjbe3,

Have you already sent money to them? Then do what Kristy has said above. Call your bank and fill out the form to stop unauthorized debit. It will help you to stop unsolicited withdrawals from your account and can help you to get your money back through your bank.

First things first the employees that work for USA Benifits have not read the membership agreement. I to had a problem with them. It can be solved quick and easy. You tell them you have read their memebership argreement and it states this: At the end of the thirty-day trial period, we will debit your checking account in the amount of $9.95. The cost of retaining membership is $9.95 per month. You may cancel your service at any time by contacting our Member Services Department. If for any reason you wish to cancel during the first 30 days after your checking account is debited, you may do so and receive a full refund of the monthly membership fee.

Then what happened with me was the girl I was speaking to had to speak with her supervisor. She then got back on the line and said they would deposit my money back into my account. In about a week I received my money back. The only reason I was able to find the membership agreement is because I searched my hard drive for anything that had the words USA Benifits in it. It lead me to a page from a payday loan. I then copied and pasted it in to microsoft word and saved it. Hope this info is benifical to everyone. :D

elisia,

Welcome to the forums. That's really supportive information. Thanks for this update.

Wish to hear some more from you.

Bryan

I got my money back by going to my bank and filing an affidavit stating that i did not authorize the 3 withdrawals this company had made to my account. It took my bank one week to refund my money. Please Please Please, file with your bank so that eventually this company appears on the banking industry's radar.

Regina

Bryan,

No problem, I am happy to help. It is tough dealing with people on the phone. Nine times out of ten they work very hard to hurt you instead of help you. You ask for a supervisor and it is the reps friend. So you really do not get anywhere.

The first person I spoke with was very rude and refussed to put the money back into my account saying it was not their policy. He then informed me that they sent me an email confirming that they would start to withdraw from my account. I explained to the guy I did not receive that email and even if I did I probably deleted it because I did not recognize it. I explained to him I do not open emails that I do not recognize in fear of a virus on my computer! Eventually I hung up on him because he was very rude and just wanting to argue. That is when I found their membership agreement. And was like in your face!!!!!!!! Ha Ha I beat them at their own game. I wish I could post a website that will give this info, but I can't find it in my computer. If anyone would like to view the full membership agreement I will post it next!!!

USA BENEFITS
MEMBER AGREEMENT
This Agreement contains the Terms and Conditions of
being a USA Benefits Member
NOTICE

NOTICE TO CARD MEMBER:
(A) DO NOT USE THIS SERVICE BEFORE YOU READ THIS AGREEMENT.
(B) THE COST TO ENROLL IN THE USA BENEFITS PLAN IS $9.95 FOR THE FIRST MONTH AFTER THE FREE TRIAL PERIOD, WITH A RECURRING MONTHLY FEE OF $9.95 (C) ANY HOLDER OF THIS CONSUMER AGREEMENT IS SUBJECT
TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

Fees for Paying Late...$10.00
Fee for Returned Payments...$20.00


This Agreement contains information about the use of this Membership and explains the terms in which both you and we agree to be bound by. In this Agreement the words "You", "I", "My", and "Me" mean the Member. "We", "the Company", and "Charge Account" mean USA Benefits, Inc., located in Uniontown, Pennsylvania.

This Agreement describes the Terms and Conditions under which my USA Benefits Membership is issued. I certify that I am at least 18 years of age and the information I provided to USA Benefits in order to obtain this membership is true and accurate. I understand that my use of the membership constitutes my acceptance of this account in accordance with the terms of this Agreement.

RETURNED AND NSF ACH PAYMENTS: In the event that my membership fee or monthly fees are returned due to non-sufficient funds, USA Benefits may immediately attempt to collect the full amount by representing my ACH authorization to my original banking institution. Any subsequent withdrawal attempts by USA Benefits will not exceed the unpaid membership fee or monthly fees. Furthermore, I agree and understand that if USA Benefits is unable to successfully process my electronic payment, USA Benefits may cancel my membership. I will also be responsible for a $20.00 returned payment fee for each returned payment.

MEMBERSHIP: As a Member, you will receive enrollment into USA Benefits. Enrollment in your USA Benefits account requires activation. Upon activation with USA Benefits, you are bound by the User Agreement. You will be billed $9.95 every month thereafter in which you maintain your Membership beyond the free trial period. We will not debit your checking account for this service during your free 30-day trial offer. At the end of the thirty-day trial period, we will debit your checking account in the amount of $9.95. The cost of retaining membership is $9.95 per month. You may cancel your service at any time by contacting our Member Services Department. If for any reason you wish to cancel during the first 30 days after your checking account is debited, you may do so and receive a full refund of the monthly membership fee. After 30 days, refunds will be pro-rated based on the unused portion of your subscription. If you cancel your subscription and then later re-subscribe as a paying customer, USA Benefits reserves the right to deny you a refund for the second and any subsequent cancellation. This is not a credit repair service. Note: You must submit a valid email address in order to receive the free USA Benefits trial.


APPLICATION OF PAYMENTS RECEIVED: Payments received are always applied to any unpaid late fee(s) that may be owed first, and then the rest of the payment is applied to any unpaid balance.

DELINQUENT ACCOUNT: My account is considered delinquent if the Monthly Payment is not received by USA Benefits by the due date. If this occurs, a $10.00 late fee may be charged against my account.

DEFAULT ON ACCOUNT: I will be in default if: a) I fail to pay the monthly payment when due; or b) I breach any of the Terms and Conditions of this Agreement. If I am in default, then upon compliance with applicable law, USA Benefits has the right to: a) demand me to pay the entire unpaid balance on the account immediately; b.) suspend membership until the default is cured; c.) proceed with legal action.

REFUND OF MEMBERSHIP: You may cancel your enrollment into the USA Benefits within (30) days. To receive a refund of a pro rate portion of your monthly recurring fee, you must first contact USA Benefits to obtain a REFUND AUTHORIZATION NUMBER. REFUND GUIDELINES MUST BE CAREFULLY FOLLOWED TO ASSURE A PROMPT REFUND OF MONIES. You must allow at least 7 business days for any applicable refund to be processed

APPLICABLE LAW: The law of the State of Pennsylvania covers this Agreement.

SHARING INFORMATION WITH THIRD PARTIES: We may disclose any of the information that we collect to our affiliate companies. We do not share information with any non-affiliated third party except in select circumstances when a business partner refers you to us and you give us permission to share information with that business partner. When identifying methods of improving our products and services or if we think a product may be of interest to you, we may arrange to extend offers of goods or services to you either directly or through our affiliates. In addition, we may disclose all of the information we collect, as described above, to companies that perform services on our behalf such as the credit reporting agencies from which we obtain your credit report(s), credit card processors, email communications management firms or call center providers. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

I certify that I have read, understand and agree to all the Terms and Conditions and Disclosures written in this Agreement. I certify that all the information I provided to USA Benefits is true, accurate and verifiable. The information about the costs of the membership described in this application/solicitation is accurate as of December 2004. The information may be changed after that date. To find out what may have changed, write us at USA Benefits, One Millennium Drive, Uniontown, PA 15401. If the Member does not agree with any changes in the terms and conditions of the account, the Member may close their account without incurring any penalty. Please note that the Member will be responsible for paying all outstanding balances in the event they close their account.

Terms and Conditions of this Program may be modified and Services and Benefits may be added or deleted at any time.


STATE NOTICES

NOTICE FOR CALIFORNIA RESIDENTS: California law requires that we inform customers that should they fail to fulfill the terms of their payment obligation, a negative report reflecting on their credit record may be submitted to a credit-reporting agency. If you are married, you may apply for credit in your own name.

NOTICE FOR FLORIDA RESIDENTS: You (borrower) agree that, should we obtain a judgment against you, a portion of your disposable earnings may be attached or garnished (paid to us by your employer), as provided by Florida and Federal law.

NOTICE FOR MAINE RESIDENTS: We may request a Consumer Report in connection with your request to be considered for some other USA Benefits Product. You may ask whether we obtained a Consumer Report and we will tell you the name and address of the Consumer-Reporting Agency, if a report was obtained.

NOTICE FOR NEW YORK RESIDENTS: A Consumer Credit Report may be requested in connection with this application or in connection with updates, renewals, or extensions of any credit granted as a result of this application. Upon your request, you will be informed whether or not such a report was requested and, if so, the name and address of the agency that furnished this report. New York residents may contact the New York State Banking Department to obtain a comparative listing of credit card rates, fees and grace periods. New York State Banking Department 1-800-518-8866.

NOTICE FOR MARRIED WISCONSIN RESIDENTS: No Agreement, unilateral statement or court decree relating to marital property adversely affects a creditor's interest, unless prior to the time credit is granted the creditor is furnished a copy of the Agreement, statement or decree, or has actual knowledge of the adverse position.

NOTICE FOR ILLINOIS RESIDENTS: You may contact the Illinois Commission of Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods. State of Illinois - CIP, PO Box 10181, Springfield, IL 62701. Phone (800) 634-5452





USA Benefits, Inc. is a private Delaware Corporation in the business of providing memberships for credit management services. USA Benefits is a service mark of USA Benefits, Inc. The company, or its division, does not provide, for a fee, any advice or assistance in helping individuals obtain other forms of credit or improve their credit rating. Information in this document should not be construed as legal advice. If you have any legal questions concerning your rights or your credit, you should contact an attorney.

Copyright USA Benefits, Inc.
All Rights Reserved. ????

USA Benefits
USA Benefits, Inc.
One Millennium Drive
Uniontown, PA 15401
1-800-809-5986

"I certify that I have read, understand and agree to all the Terms and Conditions and Disclosures written in this Agreement. I certify that all the information I provided to USA Benefits is true, accurate and verifiable. The information about the costs of the membership described in this application/solicitation is accurate as of December 2004. The information may be changed after that date. To find out what may have changed, write us at USA Benefits, One Millennium Drive, Uniontown, PA 15401. If the Member does not agree with any changes in the terms and conditions of the account, the Member may close their account without incurring any penalty. Please note that the Member will be responsible for paying all outstanding balances in the event they close their account."



Should we not have then had to go website or something and confirm.I could not even find an email,Im sure they sent one,but I never certified anything.I called them twice and will not give me a refund,I called them the day it was on my checking account " To receive a refund of a pro rate portion of your monthly recurring fee, you must first contact USA Benefits to obtain a REFUND AUTHORIZATION NUMBER. REFUND GUIDELINES MUST BE CAREFULLY FOLLOWED TO ASSURE A PROMPT REFUND OF MONIES. You must allow at least 7 business days for any applicable refund to be processed" They did not even offer this.Maybe we should get someone to read this agreement and let us know if its legal without proof of consent.

Good Morning Everyone,

Just wanted to let you know that after talking with a rep from USA Benefit and threating to go to the BBB, I received my refund today. They kept trying to tell me that I agree and I told them that I did not and had all my paperwork to prove it, then the rep told me she had to put me on hold to talk with her supervisor and she came back to the phone and told me that they would reimburse me, this was on 10/30/05 and my account was posted today. So don't give in just keeping trying and be very careful the next time. GOOD LUCK ALL

I called this place just like you and they gave me a line of bulls--- that this is non-refundable so I told them that I researched thier company and found numerous other people that they did this to. I told them that if I did not get my money credited back to me I was calling the better business bureau and then finding a lawyer for a class action lawsuit where I would include all the other people that got ripped off, they immediately put me on hold then came back saying they spoke to their suppervisor and they would credit my $ back and I should see it in my account within 11 days. Please let me know if you get your money. Their address is 1 Millinium Dr Union Town, PA 15401 and phone # 800-80-5986.



[color=red][size=2][Email removed for your safety-Vikas][/size][/color]

I am unsure of how current this agreement is that I posted above. What I do know is that it is the one they sent to me about a month ago. Just an FYI

I did not authorize a deduction from my account

Yvonne Carter,

Contact your bank and ask for an unauthorized debit form. Fill out the form to stop unwanted withdrawals from your account.

Go through the previous pages of this topic to get some more knowledge.

My name is Lee. I was also charged $9.95 by USA Benefits. This was an unauthorized charge, and I will be filing a complaint with the Better Business Bureau. I called this company to find out what this charge was for. They said that it was for access to my credit report, a service that they provide to new members of Quick Loan Pros-a company that provides payday cash advances. I got the USA Benefits website from the representative. It is: registration.usamemberbenefits.com

This is a scandal as far as I am concerned as I never signed up for ANY services from USA Benefits. I have never even heard of the Payday Cash Advance Company Quick Loan Pros (their website is quickloanpros.com) either. I always receive emails from payday cash advance companies, but I always delete them as they are unsolicited and unwanted. I may have accidentally filled out part of the application in the email thinking it was something else.


[color=red][size=2][Links made inactive as per forum rules-Vikas][/size][/color]

I too have been a sucker for this company. I have never even heard of the payday loan company that they claim to have an association with. I am filing a complaint with the better business bureau and I am also disputing this with my bank.....Lee Stanford

This company has fraudulently extracted $9.95 from my checking account on September 21, 2005. I have tried to call them - to no avail. I have already reported this activity as fraudulent and will persue further action of that nature. I hope you at USA Benefits are reading this!

I have been trying to figure out for 3 months where the 9.95 payment came from usa benefits on my bank statement since I did not sign up for it. I have had a payday loan from quik payday and cashnowcolorado from the internet. I have the phone number do they have a e-mail address?

i received a charge of $9.95 from my account, which i did not authorize at all! How can i get my money back, i need my money back! I don't know how they got my information. I think they got it from a payday loan place i have dealt with. Need response asap.

Thank you
Michael

Send a letter to them asking for refund as it is unauthorized debit. If they don't respond to you, you can take legal help.

my bank account has been chargered the last three monthes for something I've never used and knew nothing about so please stop charging me for something I never asked for this 9.95 charge it cost me 30.00 last month the number after usa benefits is(8008095986) any further information feel free to call me at 618-283-**** I am closing this account do to things like this. Christina Green

[color=red][size=2][Phone number removed for your personal safety-Vikas][/size][/color]

To all who have just posted

Read them their membership Agreement. It is fool proof. If they have only charged you once and it is still within the first 30 days you will get the credit back onto your account. Make that your first step. They will not disagree. Read this to them make it your first comment:

At the end of the thirty-day trial period, we will debit your checking account in the amount of $9.95. The cost of retaining membership is $9.95 per month. You may cancel your service at any time by contacting our Member Services Department. If for any reason you wish to cancel during the first 30 days after your checking account is debited, you may do so and receive a full refund of the monthly membership fee

Then they should honor the credit back to your account within a week. Also speak with your bank and inform them you have spoken with the company and they will be crediting the $9.95 back into your account. See the issue with dealing with the bank is sometimes they will charge you just to put a block on a debiter. Why pay for USA mess up? Take my advice if it does not work then someone on USA end is not doing their job right and request a supervisor. To read the complete Membership Agreement scrol back to page 6.

Thank yoU!

I have a 9.95 charge on my card from these people I spoke with a bobby joe she told me once you inquire for a payday loan which I never went through with I am charged automatically after 30 days of my inquire your card is charge $9.95 I have never received a credit report free or paid for but they told me that cant give me a refund I think this is such a rip off and would like my $9.95 back she told me if I wanted to benefit from USA benefits I would have to register get my credit report and then call back after holding for 27 minutes and cancel I would like to fill a complaint and get my money back asap this is high robbery and should not be able to go on I see there are several complaints about the same thing so know payday loans and all you other loan companies dont have to worry about people checking out your web site because your in on the scam with these people this is trully sad.

So everyone knows you are able to access your credit report for free annualy (1 time per year) at this web site annualcreditreport.com/cra/index.jsp. You can access all three major credit agencies. Trans Union, Experian and Equifax. There is no need to pay for this service whether you want it or not. Just an FYI! :lol:

I was part of the same scam. I reported them to the BBB which I advise everyone to do and double check that you are taken off there list. I was issued a refund. Do not talk to the person who answers the phone go straight to a supervisor. Beware they are kinda rude. Here is the number 1-800-809-5986. If anyone has a direct line to Cash Advance Advisor the company that gave them our information I would love to have it. I plan on taking this matter further so other people do not get ripped off. Thanks

I was hit this morning with the $9.95 charge and had no idea who USA Benefits were. I did a Google search and found you. I called my bank and told them I had no idea who this company was and did not authorize any charge from them. They are doing research on it now and will reverse the payment and refund the amount within 3-5 days and it is not costing me anything. I say you call your bank, explain the situation and ask for them to help you by placing a stop payment on the company/charge and see if they will refund your money. I am very lucky this has not created any overdrafts, yet. Good luck to everyone and I pray that everything is resolved with a positive outcome.

I took your advice and called them. I spoke to Cindy (CR Rep) she told me that when I filed out an application for a payday loan I clicked a box that said I agreed to a 30 day trial membership for a credit report. When I told her I did not, and demanded not only to have the account closed but also to have the money refunded she stated that the fee is non-refundable and that they send out an email of which I did not receive with a link to the web site. I did not accept this answer. I told her that I did not agree to it and that this was not right for them to do also that I did not receive the email have never used the account and did not know anything about it. She said I could contact my local authorities and file a fraud report. Then she asked me if I was going to do that. I told her not only would I file a fraud report I was also going to contact the FCC, the BBB, the Attorney General's Office and anyone else I could to have this taken care of. Like your call, she placed me on hold to speak with a supervisor. About 1 minute later she came with a story that she spoke with her supervisor and due to the fact that the account has not been used and since I did not receive the email they would refund the money within 3-5 days. If anyone else out there is going to make this call, do not accept anything they say until you hear they will refund the money and cancel the account. Ask for the account number, and confirmation number that the account has been closed and be sure to get the name of the representative I also was able to get her ext. number. Like mother of 3 said, you have to stand up to this people, let them know that you are not a stupid person and will not accept what they are TRYING to do to you. Most of all BE STRONG and don't give in to them. I am not the type of person who would usually speak to someone the way I spoke to her, but I took mother of 3's advice and it was kind of fun to "turn the tables" on them. Have fun with it!!!

loveynurse, if you are reading this I just found this forum and saw that you needed an address for ameriloan. I just happen to run across it and it is:
198 South Eight Tribes Trail
Miami, OK 74355.
I am not sure if you still need it or not or if anyone else out there needs it, here it is.

I too am a victim of the 9.95 fee from this company claiming I wanted to get my credit report from them. I did not want this and I told them this. They did cancel my membership when I called, but they utterly refused to give me my money back. My bank is going to help me fight this. This is ridiculous. You would think that if you are doing a payday loan to help with your finances that the companies would understand that you don't have extra money for crap like this and would not allow this to happen. I guess everyone is out for a quick buck and we are just going to keep getting screwed unless we all stand up and fight. I want to make sure that this does not happen to anyone else.

I didn't agree with anything to take outo of my account, so if I understand correctly they will take this out each Month. even I don't use their site.

Penny,

Yes they will continue to debit your account even if you do not use their services. For me reading them their membership agreement worked and I was able to receive a credit within a week. They then cancelled my account and I have not had any other issues since. I will warn you however the employees are not the brightest nor the nicest individuals you will deal with. Stay strong and stand your ground. They have to issue you a credit!!!!! Also call your bank to let them know your account was debited without your authorization. One more thing DO NOT LET THEM TELL YOU THEY SENT AN EMAIL TO CONFIRM THAT YOU WOULD BE BILLED FOR THEIR SERVICES. THAT IS THEIR FAMOUS LINE TO EVERYONE, BUT YET KNOWONE REMEMBERS EVEN SEEIG THE EMAIL!!!!

I am trying to figure out why this charge for $9.95 every month is being taken from my checking account. If you could help me please do so. Whatever this charge is for, i would like to know what i can do to have it stopped.