I also had a tribute card..they sent me a letter as well..class action law suit..IM IN!This is just rediculous on how the charge outrageous fees to set up and your left with $78.00. I have been a consumer for about 3 yrs and think this is a bunch of b.s.
The least they can do is refund the annual fees!
My guess is they probably went broke due to the economy and nobody is paying their bills..so once again I say if there is a class action lawsuit IM IN! Thank you much!