I signed up for a Best Buy credit card ( probably ) 5 years ago. The bank no longer possesses records before XX/XX/XXXX so I have no official way of knowing. At the time I signed up for this credit card, there was never any mention of a debt protection service, nor was I ever charged a monthly fee for my first few purchases. When I purchased a new refrigerator in XX/XX/XXXX, it appears that somehow this service has been added to my account and I was never notified. Due to consistently utilizing an automatic payment system through Best Buys website ( which estimates how much I need to pay monthly in order to pay off my purchase within the 0 % interest time frame ), I never noticed the monthly additional charges of this unwanted service until now. I have requested my oldest statement be delivered to me ( from XX/XX/XXXX ) so that I can attempt to add up the total value of this fraudulent service 's charges. For XX/XX/XXXX the total amount I was charged was {$320.00} and so far for XX/XX/XXXX I have been charged {$190.00}. I assume that I was also charged XXXX {$100.00} for the 3 months of my purchase in XX/XX/XXXX. I contacted them at XXXX regarding being signed up for a service I never requested nor never have previously. I was informed over the phone that the service is now cancelled and that I would be mailed some information within the next 2 weeks regarding a potential refund. 

I have browsed numerous results on XXXX for the exact same issues, but most of the issues dated back to when XXXX was in control of the account. I also discovered that the debt protection service was discontinued with the cards roughly 1-2 years ago. I am very upset that somehow after the service was discontinued ( after the class action lawsuit, which I was completely unaware of ) that it was somehow set up for my account. Also, I have noticed that the amount I am charged each month for the debt protection service, that I did not sign up for, has increased steadily over the duration of my 0 % interest purchase. The oldest statement I have access to through their web service ( XX/XX/XXXX ) shows the monthly charge for the debt protection service as {$27.00} and the charge for the debt protection service on XX/XX/XXXX is {$34.00}. 

Due to this entire situation, I am at least behind {$520.00} due to fraudulent activity by my lender ( ) and am very upset that I did not catch this much sooner. 
