This company has taken 36.00 out of my bank account under a Joann Gallie on the check as the check holder. Because of this I have two 25.00 insufficient funds fee that I had to pay and I had to pay a 35.00 returned check fee to a merchant because their unauthorized draft of my account, for a total of $120.80 out of my pocket. I did not sign up for this card its in someone else's name and a card never came to my address.