These people are outright criminals!!! I discovered mysterious debits to my bank account - one in the amount of 33.98 and two in the amount of 17.95 - and traced to two companies, both of whom share the same business address, and both of whom claim to be "identity theft protection services" (highly ironic!) I called the number for the first and was told rather rudely that I needed to go to their web site and request a "refund"... They claim I "requested their services" during an online loan application, which is a complete lie. The agent on the phone — a woman with a foreign accent who said her name was "Sam White" — refused to give the company name and claimed there were no supervisors I could speak to; she only gave me the street address, which appears to be a UPS mailbox site. Their website seems accustomed to complaints of my nature, since the front page offers the option "refund for unknown charge". These companies apparently share the same M.O.: steal money from people's accounts, and hope that a percentage will either not notice or not go to the trouble of investigating/complaining. I reported to my state's Atty General's office and will be contacting the Phoenix police department tomorrow, since no refunds — neither for the fraudulent charges nor for my bank fees — seem forthcoming. A class action suit would be in order, since I have seen countless identical complaints to mine about this situation!!
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