Dear Shon Benton, my name is Geno Prussakov and I am the founder and CEO of AM Navigator. I find your review misleading, and feel compelled to answer it personally. There are at least two problems with what you've written here: (i) we have never had a customer by your name, and (ii) we do not "dock" credit/debit cards (for future auto-charges). In fact, the vast majority of our clients (businesses large and small) are paying us by bank transfers and the few times that we were indeed paid by a credit card I clearly remember personally (but again: those were one-time charges, and not recurring ones like your "review" seems to imply). Are you positive that you left this review for the right "AM Navigator"?