Black Onyx Visa Totally messed up company. Nationwide

I had never even heard of this company until I saw a series of 1 to 4 cent credits into my account, plus a debit of 14.95. I contacted customer service and spoke with a individual named Claudia, heres what happened.

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Claudia: Good morning
Claudia: Customer Serviced
Claudia: How may I assist you?
Holly: I found unauthorized debit from my saving account from your company
Holly: I would like to know why this has happened.
Claudia: May I please have the account number that was charged so that I can search for all charges billed to you?
Holly: (Edited for personal information)
Holly: Id hate to sound rude, but i have never even heard of your company.
Holly: I also noticed a series of 1 cent to 4 cent credits to my account plus a debit of 14.95
Claudia: ok. Just give me a moment while I search our database.
Claudia: I'm showing that you applied for the unsecured black Onyx Visa credit card online.
Claudia: and when you filled out that application, you also accepted an offer for our platinum membership.
Claudia: The charges are coming from those two things.
Holly: I have never received a card, nor have i ever heard of the card your speaking of
Holly: Im fine with not getting my 14.95 back, but I would appreciate it if your company would stay out of my bank account
Claudia: For the platinum membership, you can go online at the membership site to order the card.
Holly: I never authorized anyone to debit from my bank account
Claudia: The Onyx card will come in the mail to you, once the bank who issues it collects their processing fee.
Holly: I dont think you understand, I never signed up for, or authorized your company to debit from my bank account. I would really appreciate it, if you would not continue to debit from me
Claudia: Ok, let me cancel the accounts.
Claudia: One moment please
Holly: Thank you
Claudia: Ok, the accounts are canceled.
Claudia: These programs are fully refundable
Holly: Thank you
Claudia: I have taken a memo for your refund of $49.95x1 and $14.95x3
Holly: How long before I see these refunds
Claudia: One charge is still submitted out to the banks, it will be a week or two before that one is cleared.
Claudia: Once that last one is cleared, then all 4 charges will be sent to our refund department.
Claudia: the refund will be processed and mailed to you in 30-45 days after that.
Holly: I didnt know it was that much
Holly: Wow
Holly: I appreciate it very much
Claudia: Could you please verify your mailing address?
Holly: (edited for personal information)
Holly: So, I will not see anymore activity beyond the next 14.95 charge and after that I will receive a refund... correct?
Claudia: Yes, that is correct.
Claudia: Your refund will come in the mail.
Holly: Claudia, I really appreciate it. Youve saved me from a huge headache
Claudia: You're welcome. Is there anything else?
Holly: No thank you
Claudia: Have a nice day.
Holly: You too.


So im hoping this all goes away. And if not i have it in writing saved on my computer... SO well see what happens!

Holly
New Carlisle, Ohio
U.S.A.