After a busy and hectic summer, I pored over my bank statements from the past three months. I found several unauthorized charges to my account, the first one occurring on May 31 and posting to my account on June 3, by a company first appearing as AP9*HomeSavingsMall for $14.95. In July, August, and September the same amount was charged to my account by MVQ*HomeSavingsMall.

I'd never done business with either of these companies. I live on a sailboat. :-D

The dates of these postings were the day before my paychecks are direct deposited into my bank account, resulting in several hundreds of dollars in overdraft fees.

I contacted the company and told them I wanted all four months' charges refunded to my bank account. I got the usual blah-blah: We've canceled your membership, we can't refund the other fees under the terms and conditions of the membership, etc.

I'm taking it up with my bank first and then the state attorney general's office. Sounds like wire fraud to me. What say ye all?