SAME PROBLEM REPORTED BY OTHER WRITER ---THERE WAS NO IMPLIED OR OTHER TYPE OF CONSENT GIVEN BUT MY CHECKING ACCT WAS DEBITED $78.84 AND THE SAD PART WAS WHEN I CONTACTED BANK OF AMERICA'S FRAUD DEVISION --THEY WERE NICER TO THE ACIBERRY PEOPLE THAN MYSELF...I HAVE TO WAIT 12 TO 14 DAYS TO SEE IF I GET MY MONEY BACK AND IF I DON'T. I AM SUPPOSE TO CONTACT BANKAMERICA BACK---I DO NOT KNOW WHY BECAUSE THEY DID NOT BELEIVE ME ON THE FIRST CALL THAT I HAD NOT GIVEN A CONSENT