On Friday, 080808 @ 1:00PM, I received a telephone call from a representative at Grant Research Guide regarding Grant information and offered a disc that was suppose to be free and a charge of $2.95 would be charged to my bank account for shipping and handling only. Well on Wedneday, 081308, I was charged a total of $3.04 for the disc that was received on Friday, 081508. On Saturday, 081608, I noticed that $49.50 was on hold from my account from the same company. I called the company of Monday, 081808 and spoke with a guy name Steve Johnson and told him that I had not authorized nor joined their website and I requested a refunded. First he told me that my account would be canceled and that he could only refund me $25. After hearing this negative information, he told me that the funds were actually non-refundable but he still would see that I got at least $25 back. He also gave me a fake email address to request a refund. I don't know where the email went. When I first spoke to the representative on Friday, she asked if I wanted to join their website for $49.50. My response was NO, I just wanted the disc and I specifically asked her if she was only going to deduct the $2.95 from my account? Her response was yes only $2.95, which obviousy was a stright out lie. On Tuesday, a total of $50.95 was deducted from my account and I called the bank to file a fraud claim against the company. The bank said that it would take a total of 90-120 days to get a final resolution to this problem. This company is a fraud and needs to be dealt with. Thanks for your time to this despite.