Absolutely atrocious service. We have tried to cancel unauthorized payments and they will not call. They claim an 'investigation' must be done before we can cancel and it will take 12 weeks to perform a cancellation investigation. Aside from the fact that I spent 44 minutes on hold to reach an incompetent agent who gave me the run around (Employee # 7006521) really pisses me off. They don't answer the phone when you call the toll free number and they are essentially a complete scam.