COMPLETE SCAM. I WAS CHARGED $88, RECEIVED NOTHING, CANCELLED MY ACCOUNT IN WRITING, RECEIVED CONFIRMATION OF CANCELLATION, AND WAS CHARGED $188 THIS MONTH, HAVE CALLED AND EMAILED ABOUT 10 TIMES, NO RETURN CALL, NO CUSTOMER SERVICE PHONE NUMBER, HAD TO REPORT WITH BOFA AS A FRAUDULENT CHARGE AND REPORTING TO THE BBB.