Check your bank accounts!!! I would start checking your bank accounts/statements closely wherever you bank. Just recently my bank charged me a insurance fee for briefly going into a deficit in my chequing account (line of credit). I was told we had signed up for this type of service when we opened the account (40 yrs ago?). Long and short never signed anything, went into deficit many times over the years, no insurance fee charged and they could not show me a insurance form I signed ( insurance policy never existed) credit was issued. A wells fargo type initiative whereby an employee attempting to make a quota at the branch location is my best guess!!