CCBC/ Reynolds, Monterey Financial Svcs Inc they illegaly charged my account without my knowledge and approval Irvine California

What they are practicing in the name of business is fraud, on February the 26th, 2008 I saw their ad on TV and subsequently ordered for the said product for $77.40 and they asked me to return it if I am not satisfied promising a refund of my money. I received the product and it did not meet my expectation, I returned it to them and instead of returning my money as they promised they started billing me on monthly basis. It was with share luck that I saw my account online and immediately called my bank to verify what was happening and they told me it was this company CCBC/Reynolds and Monterey Financial services Svcs Inc. The fun thing is that they used a strange name in withdrawing the money from my account. When I stopped their illegal withdrawal, they resorted to harassment by phone call, at first I took it easy thinking that they are just common disgruntle elements, but only few days back they sent me a threatening letter ask me to pay the sum of $497.20 or they will place my name on a collecting agency. Well I have already written them and I will for sure opt for a class lawsuit because I cannot believe they can be this callous

Bishop
Alexandria, Virginia
U.S.A.