I live in Manitoba, Canada. I ordered something from an infomercial (IGIA Beauty products). I never got it, and got the charge cancelled on my credit card.
However, this month there was a charge from MWI (MWI*Lifestyle Rewards). I called VISA today; VISA called the MWI toll free number with me on the line. Not only did MWI agree that I did not sign up for anything, they had the nerve to ask me if I did want to sign up today.
To make a long story short, tey agreed to refund me the money. After the call, I spoke to the VISA employee, and we joked about the company being a fraud since we had the employee from MWI on tape saying that they charged my account without me signing up for anything.
MWI -- means fraud. BBB knows about it, yet they exist. STAY AWAY!