They sent an attractive representative to my office to sign me up. I gave them a check. A few days later I got a bad gut feeling about the company and asked for a refund.

Not only did I not receive a refund, but had several unauthorized drafts deducted form my bank account. I complained to the bank, but they said as long as they have my routing number, they can continue to create phoney drafts which in horror I was told, that the bank has to honor them. after 2-3 years of being ripped off form them,

I finally closed my account and opened a new one. This was the only way to stop this thief.