I've had the exact same thing happen to me, and even though I could give them exact addresses of where the computer chess game (high quality crimals, I tell you) was shipped, they weren't interested. My bank credited me the $50 and wrote it off as a cost of doing business. (Now, this was an account I didn't ever use, so the $50 caused it to bounce, causing all sorts of pain and suffering on my end).

One interesting detail is that when I called up one of the discrete companites listed on my bill under some meaningless category and asked who they were, they immediatly offered to credit me my $2 back. I had to dig deeper to find out that I was cancelling my subscription to webvergins.com or whatever.

Matthew