IT SEEMS EVERY YEAR MY BALANCE ISN'T GOING DOWN AND I HAVE BEEN WITH THEM FOR 10 YEARS. THEY NEVER SEND YOU A RECEIPT AND I WORRY THAT I'M PAYING DOUBLE FOR THINGS I SHOULDN'T, HOWEVER, YOU CAN'T MAKE HEADS OR TELLS OF WHAT THEY ARE SAYING. I JUST THINK SOMETHING IS NOT RIGHT.