UMG billed me an unauthorized amount of 14.95, allegedly in connection with a coupon I used for another purchase which had NOTHING to do with them; the coupon never mentioned ANY such membership that UMG tried to "bill" me for [there is no "buyers' edge" they can offer-they don't sell ANYTHING]-well, my bank called about it [alot of banks have this service now-it's very good if you are traveling or purchase at someplace where you don't usually-they track your "buying habits" and note anomalies in your buying patterns] and I called UMG and told them I would report them to the Attorney General's office's fraud division, who DO get back to people by phone within a median period of 2HOURS!-This is true-here in Delaware-the A.G.'s office's fraud division actually does that-great "customer service"-go figure! and that they had BETTER get my 14.95 back in there asap.-it was back in there on 8/5/09-so discounting a weekend, i got it back in about 5 business days. Don't play with them-call your local Attorney General's office and find out what PROCEDURES they have IN PLACE to deal with "petty fraud" and then file a complaint THERE asap-don't waste time with the Better Business Bureau [who do mothing at all, by the way] or ANY of that because here's the thing-these companies exist because they are RACKETS and knowingly and wittingly make their profits off of FRAUD-the fact that they have names and websites does NOT mean they are legitimate-they thrive by preying on people's preoccupation with other matters in their lives, and the expected inattention to small details like LITTLE amounts missing-they are playing off of human psychology-they know that the first couple of times, most people will chalk it up to an error in THEIR OWN checking calculations...this is how they get away with it-but they are NOT legitimate businesses...they just take money on some false pretext until they get caught...they are counting on the help they get from relative anonymity on the internet, having no real address, and a fee that is DELIBERATELY sized to look like some service fee for something else-this is ORGANIZED fraud and they do it ON PURPOSE...sic your local A.G's office on them because the main thing is for them to avoid scrutiny of PATTERNS of behaviour-even if you get your money back, report them anyway so that they are on a list of known offenders. Report them multiple times if they steal money multiple times-one report per incident-make sure all friends and associates who have had problems with a same or similar company do the same...these companies do fold eventually and then they will try it again under a different name...but it will be the same people with the same M.O. so we want their "carpetbagging" [moving around and basically mounting confidence schemes under different names] tracked. Tjhis can also help citizens later coordinate information needed for a class action suit if need be.