Heartland America review: Unauthorized membership fee of $90.60

I paid off a credit card in total and have not used it for quite sometime. I see I have a new charge of $90.60. I reported it to my credit card company and told them it was fraudulent activity and that I never authorized this transaction. I called Heartland and the customer rep told me it was for a membership fee. I told him to refund me immediately and that I never authorized it. At first told me the membership fee was not refundable. I told him this is a total scam. I wonder how many people don't look at their credit card statements in detail every month and have been taken by this scam of a membership fee. Shame on Heartland! I will await my refund. I wonder how many times they took advantage of me. I don't have my old statements to look at anymore.