I have never used this service. I do not have an account. Yet, mysteriously, funds were removed from my account. I called them immediately. Not surprisingly, the customer service individual i spoke with did answer nothing to assist me. Speaking with the fraud department at my bank, I learned that this particular business is the most reported for fraudulent claims. As in daily. Shame on this company for having lax safety protocols for their customers. I have warned all my friends, family and co-workers. They have all discontinued and deleted their apps. Everyone, please be careful.