I never signed up for this service. It has charged $1 to my credit card for over a year and I thought it had something to do with my credit card service. I called them and they told me it was not in relation to my card. I called the number listed by the charge and got the run around - they would not accept my phone number as my access code and wanted my credit card number. I would not give it to them so the automated call gave me the email address. This is fraud -- even at $1 a month -- and I am asking MVQ "Your Savings Club" to STOP charging my account immediately and to refund my money.