I was recently the victim of an obvious scam. I purchased an item which was $39.99, but was charged twice; once for $238 and then $59. Filled out a dispute with FNB, answered their questions, and then was told that because I agreed to purchase an item whether they charged me twice or not could not be disputed. I spoke with one of their CSR who gave me misleading information that it would be stopped. The next day another CSR was rude and said she didn't know why the previous CSR said that because it was untrue.