I started receiving charges on my credit card statement in December 2007, initially for $1.95, then for $14.95 every month. I had apparently opted for "free shipping" on something I had purchased over the internet and then without my knowledge or consent had been sold to this "Marketing" company and signed up for a non-existent "service". The "service" auto-renews monthly until you realize your being scamed. I read where many people didn't figure it out for years. A $14.95 charge slips by pretty easily when your paying a thousand plus every month, and these rip-off predators obviously know it. I wonder how that focus group session went...Dispute it! File complaints with the B.B.B. in there state, (Maryland) and call Clark Howard. These people should be charged along with the companies that sell your information.