I have no idea how this happened all i know is one day i looked at my bank account and saw a charge of 78.00 with the name xm brands, i asked my credit union to get me a number and they did. i called and said i never authorized any charge nor did i know what this charge was for, inever ordered anything and i never received anything so i was very confused, an indian or arab woman on the other end said they would refund me 30 dollars and i was furious stating that i never ordered anything and i never received anything so how could she just steal my money?