This company should be investigated! My Bank of America just sent me an online message regarding my disputing Zoynes charges, saying BOA could not resolve the credit issue with the company, so Bank of America is giving me a permanent credit! Not this fraudulent company, my credit card company is! How can this be accepted and legal. The emails they sent were so ridiculously written! I believe that's a scam too! I have never run across a company like this and something should be done about their illegal tactics. It's just plain unbelievable!