My credit card was charged with an insurance premium out of the blue. I never ordered it not did I sign anything. It was a complete ripoff. When I called the company I was upset and told the customer service rep to just be honest and admit what they did. He got rude with me and told me to be honest about ordering it, which I never did. One of the sales people evidently just signed me up without authorization. Then the rep cancelled the policy and hung up on me. He didn't credit my account so I had to call back to get my account credited. I have shred my credit card and will probably not shop at JCP again because of this. Complete ripoff! read full review »