In your application there are boxes that need to be checked if you agree to joining Top Tier Savings. If you do not un-check those boxes then you agreed to the terms. It is not illegal because it is right there in black and white and you agreed to them taking the money from your account when you signed the contract. That is why it is very important to read your contract and all the terms before signing them, even if it is digital , you are still responsible for what is on that paper when you sign it.
We just went through this because my husband did not read everything and this happened to us. I am said the same thing to him too.
But, You can fix it. From Toptiersavings.com it states
"Congratulations! You can now login by going to TopTierSavings.com. Your login and password will be the home telephone number you have entered today on your Cash Advance Application. To request a refund within the first 30 days please call customer service at (800) 916-4416. With this membership you will be billed a one-time enrollment fee of $29.95 and a monthly membership fee of $19.95 to the bank account you have provided today on your Cash Advance Application. The membership fee will continue to be charged every month until you cancel your membership by calling customer service at (800) 916-4416. The customer service department is open Monday-Friday, 7 a.m. to 4 p.m. Pacific Time. You may cancel at any time. If you are unhappy with the services provided by TTS, you can obtain a refund for charges during a 30-day period immediately preceding the date on which your refund request is received by contacting customer service at (800) 916-4416. Refunds will typically take 7-10 business days to process once the original payment has been received by us from your bank, which normally takes up to a maximum of 14 days. By accepting the terms and conditions of this offer, you acknowledge and understand that you will be charged for the services described above. at a rate of $29.95 for the first billing and $19.95 per month thereafter if you fail to cancel as set forth above."
