I too was ripped off by these 2 companies. I'm young and addmittedly irresponsible with my checking account. I rarely balance my checkbook, so when I get a call saying I'm overdrawn I usually agree and don't investigate the matter. However, today when checking my account balance online I noticed 2 charges for $19.95. One from UMG MyAdvantage and the other from UMG BuyersEdge. When I googled the names of the charges I found this website. This is freakin CRAZY!!! I can't believe so many people were scammed by these people. I called the number that a previous complainer mentioned and actually got an answer. I was told both $19.95 charges would be credited back to my account and was even given a confirmation number. I'm anxious to see if this actually happens. Still I'm out the overdraft fee of $25 but at least I get the other $40 back. The number I called is [protected]. I hope I do get my money back and wish all of the other people who have been ripped off the best of luck in getting their money back.