I have been charged through my bank account for a credit card and never received the credit card. The company went into my account about a month after I applied for it which meant I had no idea when they were to debit my account...so therefore my account is overdrawn...they took out $64.90 out of my account and never sent me the credit card...when you call the number they direct you to the website...www.consumerbill.com. When you go to the website you can request to cancel...I have been doing so since 11/28/07 with no reponse.