I just looked at my Chase credit card statement and noticed a $12.99 charge. When I called I was told that is by Privacy Guard and I needed to contact them directly. They also told me the charge has been monthly for two years! I called Privacy Guard and they told me that Chase Customer Service had verbally authorized them to do so. Called Chase back they said, the customer is responsible for such a requests! Well, I am fuming because I was in banking for 12 years, have a graduate degree, work in finance industry, and was at one time a Consumer Loan department supervisor.in addition I have "alert" on my credit reports which nobody can pull one without my signed permission. I am out over $300 and Chase which I am sure is benefiting from this union, is not willing to pay me back. Beware and look at your statements.