In reply to onlyabill.

Sure there are no guns to the heads of these customers;but I bet you could also get several million dollar signed promissory notes from starving individuals as admittance to the buffet - supremely crass to think that these fees are in any way fair to the consumer who by all who comment are "needed" services by these people. Opt In is somewhat misleading as well. Practically none of these services deny authorizing charges that would end up in a fee. Sure buyer beware but these instruments are DESIGNED from the start to make their profits from FEES. I would call that predatory in any book.