Had a mystery charge appear for $45 from this site on my husband's brand new debit card that he has never even used from a new bank account, with the only activity being cashing a payroll check. We had to do a Google search to find out what it was because neither of us has ever heard of the site, and that's how we ended up here. Thankfully, we opted out of overdraft protection, and the charge was denied. Reporting to the bank tomorrow.