I am a senior and on a very limited and modest disability income and budget of $540 a month and therefore I watch my personal banking accounts very carefully. While reviewing my checking account this morning I discovered an ACH charge for $39.95 that has been removed. The ACH payment had been made by a company identified on my bank statement as "IntouchVOIP.com". I had not heard of this company and was to say a bit furious because I am currently on a time line waiting for a payment to process and am on very thin ice with my account. I contacted my bank immediately to ask what to do. They suggested looking this company up on the internet, finding a phone number and contacting them for answers, which I did. I did not directly reach the "IntouchVOIP.com company but rather a "clearing" house who offers "customer" service for several companies.