I disputed it yet again with that information and they rejected the dispute yet again and made me pay the 400$. whatever you do Don't use them. cut it up and send it back to them. They allow people to steal from you. OR they themselves are doing the stealing with false charges. One of the reps I talked to was exceedingly rude and right after the phone call I could no longer access my accounts to find out when the payments are due or if they have even received the payment. I know I paid a fee to be able to access my accounts online.