XM Brands charged 77.83 after $1.97 had been authorized for a free info packet. The $77.83 was not authorized. After my 16 y.o. son agreed to the $1.97 there were other offers for more information for $19.99 that I had him decline. He gets my permission to charge things on his Visa Debit card that is attached to my checking account. We did not authorize the $77.83 and have complainted to Navy Federal Credit Union and will dispute the charge as fraudlent! read full review »