I recently learned that I've been getting periodic deductions from my bank account from a service called "Your Bargain Link, " for a number of years. These EFT trasfers are in the same amount as monthly transfers to my credit card, so I had overlooked them until I got a "funds rejected" statement with the company's phone number. A supervisor at Your bargain link claims that they sent me a welcome packet in 2005, though I do not remember this, nor do I have any recollection of ever signing up or giving the company my bank account information.