I too was ripped off by these 2 companies. I'm young and addmittedly irresponsible with my checking account. I rarely balance my checkbook, so when I get a call saying I'm overdrawn I usually agree and don't investigate the matter. However, today when checking my account balance online I noticed 2 charges for $19.95. One from UMG MyAdvantage and the other from UMG BuyersEdge. When I googled the names of the charges I found this website. This is freakin CRAZY!!! I can't believe so many people were scammed by these people. I... read full review »