I was reviewing my annual credit card purchases and found an $8.50 charge monthly hitting my card. Turns out after a great deal of research that when I made a JC Penney online purchase this service was included without my approval. They put somewhere on the purchase agreement with my credit info that I agreed to this service. I called today to complain and they tried to say I approved it and they claim they emailed me. If they did and I doubt it the email would have gone to junk mail. This is a fraud and a scam. I will never buy from JC Penney... read full review »