That said, I seldom use the account. My only remaining withdrawal is a once a month for dialup service. I had that switched to another account of mine, but it went through on the Wells Fargo unexpectedly early last week. Then Privacy Guard hit me for $89.99 because they say I didn't decline the service when I bought a $10 credit report. The balance is now negative fifty something bucks. Wells Fargo originally said they would refund the NSF charge on the Dialup if it was reversed. It was and they have not. They said Privacy Guard would be responsible for the other NSF charge. When I called PG, the woman there told me they wouldn't refund anything but $89.99, while she kept trying to sell me more crap that I "need." Anybody know what I should do next? I want to be a complete pain in the ass to PG and WF. I'm in TX.