After reading all the messages about the different experiences other people had with this company, boy do I feel EXTREMELY fortunate! First of all, I should have known better but the only reason I went to their site and tried it out was because Yahoo has Ellen DeGeneres on their home page where it explains how she gave away free samples of Stemologica on her talk show. I'm not sure how they were distributed, whether she bought them and gave them out or she sent people to the site or both. But I really like Ellen and I can't believe she truly understands what this company is doing to people. I'm sure if she's using this, the Stemologica company would NEVER pull this kind of stuff with her! Of course that's a guess. I was thinking of maybe emailing her show to explain the problems people are having with that company and to ask her to stop promoting it and/or get in touch with that company to help others that she led to that site. I would think she's starting to get a ton of emails about Stemologica but who knows?! In any case, after reading that article I went to the site. I debated whether to sign up because I don't normally ever do anything like that. I only pay bills and buy items from more reputable name companies, like Walmart, and I only use Paypal when purchasing these products. But I was also thinking about my experience with Sheer Cover (a make-up company that sold a mineral foundation) many years ago and it worked basically the same way. My experience with them was great. I tried it for a couple months then called to cancel and that was that! Not a problem at all! So between Ellen and my past experience with a similar type of system, I decided to try it out. I entered all my information and it came back saying something like "didn't accept". I knew it was NOT my account because I knew I had money in it but I started to get nervous that maybe it was a ploy to get my number to use late....I really don't know how these type of scams work. So I started freaking out and called my bank. Low and behold my bank (BB&T) said they did not allow for the payment because it was an outside the US transaction and that they would need more verification. I was so extremely relieved! And even happier with my bank! After reading about all the problems that some people had with their banks not being very helpful, I feel even more lucky! To anyone and everyone...if your bank doesn't go out of their way to help you in a situation like that, then change banks immediately!!! Way to many banks to choose from and not to mention they make a killing off us consumers. Way more than they deserve and after what the banks did to this economy, they shouldn't be! See, I'm a single mother and live from pay check to pay check. I try to maximize every penny I have. This was suppose to be a treat for myself since I normally buy things for my children first. The real treat was NOT getting it and having more confidence in my bank! Lesson learned! Thanks to everyone that shared their experiences, information and advice! It was very helpful and even comforting!