Nurses, caretakers, it doesn't seem to matter that the person they're taking care of needs to be taken care of... elderly care fraud is on the rise, and it's disgusting to me. If you have anyone taking care of your loved ones, make sure that they don't have access to that kind of sensitive information/documentation.
1) You didn't cancel your "free" trial in time. Believe it or not, this is a HUGE reason why people don't get a lot of their chargebacks back. Read the TOS or T&C before you sign up for anything over the phone/online.
2) Try to work it out with the company first. Most chargebacks will not work if there is absolutely no attempt on the consumer's part to work it out- and a lot of claims are denied this way.
3) Payday Loans. Enough said.