No Flame ECIG Smoke51, Lux e cig Free start up kit, only pay s/h, then they charge your debit/credit card over $100 Miami Beach, Florida

I ordered a "Start up kit" online for $4.95 which was to cover s/h and after receiving it was then charged a further $99.67 to my debit card from "ecig", called my bank and they gave me a number for the company 1-888-767-9677 which is not a number on the website, called the number and was asked if I had read the "terms and conditions" at the bottom of the page, which is way, way, way down the bottom, but when you click "order now, limited availability" it DOES NOT give you any "terms and conditions" or tell you that you are being enrolled in a "membership" club and that by ordering you are agreeing to paying for future orders.
Told the woman that I wanted to cancel and that I wanted my money back, she said she could offer me a partial refund of $40+, I said I wanted a full refund, went to talk to someone else, came back and offered me $74.00, said I only wanted a full refund or I was going to report this to my bank and file a case on Ripoff, she said she would issue a credit, but I must send the item back asap and it would take 5 business days to see my refund.

 This company is trading under many different names and the "no flame" packet that you see online is not what I got, I received "The Trio" from Fifty-One, but with a letter from No Flame ECIG enclosed.
I am going to file a dispute with my bank as soon as this charge is out of "pending" because I don't believe I will see a refund and if I don't file it will put my bank account over-drawn.
BEWARE OF ANY OF THESE COMPANIES AND MAKE SURE YOU GO TO THE TERMS AND CONDITIONS BEFORE YOU AGREE TO BUY. WHAT A SHAME THEY ARE, THEY NEED TO BE PUT OUT OF BUSINESS.