E-Credit Solutions is a ripoff scam. They took the money and now they are gone. Miami, Florida

I very much misled, they told me for $199.95 I would get a major credit card with $4000. credit line to use anywhere in the world as soon as my package arrived. They took all information over the phone and to make it easier a check by phone is the way they process the package.When I received the package,there was no major credit card only one that could be used to purchase products from a catalog they provided, to top that off you had to make a down payment in cash or check for your purchase which was a least 1/2 the purchase price and the rest was put on the card. They also sold my checking account to other companies which were helping themselves to my money without my authorization. I called the customer service number and I was told I had to wait 2 weeks for the tapes to arrive back to them so they could listen to them before I could get a refund. I sent the package back and was promised a full refund , I have yet to see my money. This has cost me $ 600 -$800 in unauthorized check debits and over draft charges. Rita Diller, Nebraska