Yep. My cousins wife gave me a phone number of a free lawyer. I called and paid the $1.99 and they said $20 a month, but then when i was done they gave me an advertizement looking for $14 for something. I couldn't even understand the man as he was not American. They said they would send me an email with a list of lawyers to call. They never did. I went and ordered a new debit card.That's why I never use my debit cards for any purchases, only for the rare ATM withdrawal. Too much risk of money getting swiped compared to a credit card.