Upon receiving my ebill from HBC I found a totally unauthorized charge for $22.39 dated Apr 25 2011 with the item being described as Memberworks, Toronto, Canada. As I live in Vancouver and rarely use my HBC credit card, I immediately called customer service at the Bay. They didn't even ask my name and knew immediately what I was talking about. I said I was outraged at this charge as I have many times said no, in no uncertain terms, to the telemarketering people who try to sell this insurance over the phone. The customer service rep... read full review »