I have had no luck with getting any reimbursements from this company. It's been a year and I'm still getting debt collection calls from NCO because the bank in which i used to have an account with, turned it over to them. I had called them several times and conveniently when I finally did get a live person- there was something wrong with their phone system and I'd lose the connection... I wrote letters, but have received no response by snail mail either. I shouldn't have to pay for fees incured by a product I never wanted to have in the first place and REFUSED shipment for, right? read full review »