This company has nothing of any value to market. They target people with poor credit and young people with no credit. Their trick is to first lure you in with something you desperately want (like an unsecured line of credit) then they head toward their ultimate goal, your checking Account numbers. If you don't have a checking account they'll tell you that you don't qualify. To get you to reveal your bank info they will tell you anything it takes except the truth, which is that once they have the numbers, they can and will access your money.
Once you notice the missing $130 you'll call them back and they'll gladly cancel your membership for you, after all they don't really expect anyone to use their worthless and costly system on a continuing basis. They'll send you a cancellation form for you to sign and return (probably the only thing they ever actually mail out) but don't get your hopes up because they'll send you their standard form letter stating that after careful review you have no refund coming.
But they're not done with you yet. When you "joined" you received as a special bonus a 1-month free membership for a voice mail service. (Whatever that is) You probably weren't even aware of it, as they send no info on it. At the end of the 30-day period if you haven't cancelled this service they will start taking a monthly charge of $9.95 from your bank account. When you call screaming about the first rip-off and telling them where to stick their membership plan they don't mention the voice mail plan and they don't cancel it. They sent me a letter assuring me that they wouldn't take any more money plus I reported it to the bank who supposedly blocked their company from access yet 5 days later they grabbed another $9.95.
My son desperately seeking credit ran afoul of these grifters on the internet. After weeks of watching him struggle with them I took over the negotiations. Their latest story to me was that all money will be back in his account in 1 to 8 days, of course I'll believe it when I see it. The only reason they're even considering a refund is because I explained that my son is only 17 years old.
If you've given them your account numbers then get to your bank fast. Tell them it was unauthorized, that they claimed they needed the account numbers for reasons other then transferring funds (lie if you must). Then close that account and explain to the bank why. Do not leave funds in the account, they will be back. Keep in mind; as much as they deny it, their company is a complete scam. I would wager that they don't have a single satisfied customer who uses their product on a continuing basis.
My research has revealed that the owner, David Giorgiorne is a first cousin to Tony Amico who's Key Financial Systems supposedly bilked half a million people with this same racket between 1998 and 2000 then sold his company for millions just before federal regulators shut it down. Both d'Amico and Giorgiorne have close relationships with members of the New York mobs.
If everybody they victimized fought back, reporting them to government agencies and insisting that their banks investigate then maybe the feds will step in and close them down. It burns me up picturing this guy living it up in his Sweetwater Mansion with his boiler room full of well-trained swindlers raking in money from the people who can least afford it.
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