I will start with a positive. Some of their staff are great. Hon (probably misspelt) is a regional (I think) manager- was not bad to deal with. Trying to get the same answer out of multiple people was difficult, one person would tell us something was free, while the next person helping would tell us there would be a fee- just plain annoying. But when we had a problem with identity theft, the problems really showed. Glad we got our money back- so happy about that, but the fact that someone in Czechoslovakia could charge over $3800 before raising a flag... We have never been out of the country, barely leave Indiana(heck I don't even have a passport) and these yahoos were able to shop till they dropped! read more