I received a call from Summit Alliance about a great deal on magazines. So I (stupidly) authorized a one-time fee charge from my account. I have had several fees taken out of my account even after telling them that I DO NOT want their magazines and have sent back the ones that I had received. They have even charged me an overdraft fee. (I had asked my bank what I could do since I wasn't getting a response from Summit.) They told me to close out that account and reopen another. Unfortunately, it is an account that I have to pay my bills online. Help?