encoremarketing.com charged my credit card for over one year a total of 59.60/ mo. for absolutely no services. they piggybacked on a free trial foreclosure service i canceled after 30 days because it was also worthless. they returned about 160.00 but refuse to return the other $712.80 they owe me. they know that what they do is fraudulent but have such a lucrative scam going that they seem to feel they are insulated. i will take them to court if i have to. i will not accept this type of credit card fraud. read full review »