My elderly mother apparently ordered an item from JC Penney's catalog by phone. As I understand it, the phone operators push a subscription to a JC Penney related operation "Savings Solutions". The way it was pitched, all my mother understood was that it was free when in fact there is a $9.95 monthly charge on her credit card. Contacting JC Penney's credit card customer service to dispute the charge (which is a phone tree nightmare in itself) resulted in them denying any involvement and claim no ability to cancel the charge... read full review »