USA Credit did the same thing to me. At first on August 3, 2007 EverPrivate Crad services help themselves to my bank account and took out $49.95. And then he said he would send me a refund in the mail in ten business days no sign. Then I went on the computer to check my bank statement as I always do and then on August 13, 2007 they help themselves to $149.95. I was pissed I called my bank and had them file a claim. I called USA Credit and they said if I dropped the claim I'll get my money back. Well I did one better called my bank back and the claim specialist said if I trick them and tell them I dropped the claim that maybe they can see who can the money back faster the Bank or USA Credit. I called the lady back and she said she would call my bank on be half. Not only is there 875 complaints on them USA Credit on /link removed/ but there is one unsatisfactory Report on them that someone has filed complaint on them with the Better Business Bureau and now I filed a complaint against them with the Better Business Bureau and I filed a complaint with the Federal Trades Comisson against USA Credit. I'm not gonna shut up about this until they get closed down or they stop taking money out of peoples account innocent people. Now I'm overdrawn and I leave for Rochester,NY in 13 days I was counting on that money to get me there and now it's gonna take 3-10 business days to get back in my account and of course the bank will take my overdraft fees back. I get SSA so I only get paid once a month and this is not far someone should put a stop to scam artist that think that they can do this and I'm just the ### to do this they have messed with the wrong person. And I'm wondering if Ever Private Card Services and USA Credit are one in the same I bet they are. I don't doubt it.