Capital Credit Alliance-The monster big consumer Rip-off

I am a victim of a rip off. Last week I went through hell trying to understand why 199.99 was debited from my account. I recieved a letter in the mail and talked to a representative for about an hour after realizing that I did not want the card. The representative asked for my bank account info. As a gave it to her I explained that I was not the primary holder of the account and that I would have to consult with the primary holder (my husband), but most likely I would not be taking the card. She then told me that she would set my info aside until I called back and told her what I wanted to do for sure. She told me I could call back the next day .

Then she asked if I would call back before Oct. 31, 2001. I said yes. I called back the next day and told her that I did not want the card. A lady in customer service told me that I could not cancel because she needed 3 days in advance to cancel and this was not enough time. I did not even authorize a transaction. She told me to contact my bank. My bank said that they needed 3 days to make a stop payment .

I called back a few days later and I was told that I could go to my bank and fill out a report because the money would not be debited until 7 to 14 weeks. I am a student in college without a car and no bus service or taxi it is hard to get from place to place.

So I called my bank today and they said that the money was debited from my account Nov. 1, 2001 and it was really to late to stop any kind of action. I got a letter in the mail today that stated I was to pay CCA 168.90 for rush process and other benefits I requested. Yeah right! If you can help in any way plz. I really need it.