I'm not going to repeat what other said, this is true. And I'm not going say that all 5 star review are the same and they are fake.
But what you have to do if you are victim of this site - Fight!
Call to your bank and report fraud! You can do it if fraud was made not longer than 3 years ago. They will send you official documents what you have to fill for their investigation.
I mean that banks are worried about their clients, so if they will get a lot of complains they will shut this business down, because no money - no business.
If you with me in this company just do it and spread this information!
Best regards,
Dmitry.