ACE-American Credit Educators I was ripoff by American credit educators and United credit national bank in 1999 Denver Colorado

IN 1999 I WAS SENT A CREDIT CARD BY AMERICAN CREDIT EDUCATORS AND UNITED CREDIT NATIONAL BANK WITH A CREDIT LIMIT OF $400.

A WEEK AFTER I RECEIVED A PACKAGE FULL OF JUNK AND BILLS WITH AND MENTIONED $295 FOR THE PACKAGE, $49 ANNUAL FEES AND PLUS SHIPPING AND HANDLING ALL THOSE CHARGED DEDUCTED AUTOMATICALLY FROM THE CREDIT CARD. I HAD LESS THAN $50 LEFT IN THE CARD.
I CALLED THEM AND THEIR CUSTOMER SERVICE PERSON WAS EXTREMELY RUDE AND HANG UP THE PHONE ON ME SEVERAL TIMES.

I SHIPPED THE PACKAGE BACK TO THEM BY USPS 14 DAYS AFTER THE RECIVING DATE, BUT THEY STILL NOT CREDITED THE MONEY BACK TO THE CREDIT CARD INSTEAD I STARTED RECEIVED SEPERATE BILLS FROM ACE AND UNITED CREDIT NATIOANAL BANK.

IN 2005 I WAS PURCHASED MY FIRST HOME IT SHOW UP AGAIN AND IT WAS VERY DAMAGING, SO I SENT ACE $50 TO CLEAR MY NAME BUT THEY DID NOT.

WHAT MAKE IT WORST , I SENT COMPLAINTS SEVERAL TIMES TO :EQUIFAX, TRANSUNION, FTC AND CONSUMER AFFAIRS BUT THEY ALMOST DON'T HELP MUCH.
BUT i AM A FIGHTER, I WON'T GIVE ACE A DIME, I WOULD CONTINUE PROTEST AGAINST THEM UNTIL SOMEONE HELP.
PLEASE HELP IF YOU CAN.

ASH
Jackson, Michigan
U.S.A.