I noticed charges for $49.95 on my bank statement when trying to get credit for charges from a credit card processing company that we decided to not use. They informed me that the $49.95 charges were not from them. I went back to all of my statements and saw where we were charged that amount for the last 8 months. The credit card processing company gave me a phone number for UMG so I called them. They told me they were for Discover and I told them I never signed up for any program and she said she would call me back and play the recording of... read full review »