I wish all of you luck. I got my money back after two days. I told them I would be sending this complaint board to Katie Couric and the CBS evening news. I told them that it did not take 10 days to steal my money, so it should not take 10 days to give it back. I also told them that if I got sued for failure to pay a bill that can not be late, and my wages are garnished, I would sue them for whatever I was being sued for. I did not authorize anything. I filled a forgery form at my bank yesterday. The bank told me it would take two weeks, but it took one day because when the bank spoke with Ever Private Card, the bank said that they were happy and willing to give me my money back. Ladies and gentlemen, it doesn't take 10 days. They can return it as fast as they took it. I should still seek legal action because if they had enough knowledge and courage to steal from us, they'll do it again. They used something called "check 21". It's an electronic check that allows your account to be debited without your submitting a check number.