Momentum Direct Unsuccessful Unauthorized Charges to my account, and turning me over to collections when I owe them nothing Magnolia Texas

I ran across a 2 week free trial of Amazon Diet online at www.theamazondiet.us and signed up for it I put my checking account number and routing number to pay for the shipping which was 4.97 I read the terms and conditions which stated that after you receive the product you have two weeks to try it if you are not satisfied send it back within that allowed period and owe nothing, I filled this form out on 7/30/07 received the product on 8/30/07 and mailed it back on 9/4/07 well I started receiving letters from a company called Cyber Collect saying I wrote bad checks etc to Momentum direct they tried to deposit two checks in my account one on 8/14/07 for 49.95 then another on 8/16/07 for 54.95 I received two letters from this company each adding a 30.00 fee so now Momentum has me owing them 164.90 for a 2 week trial before the trial was even over.

I've found many complaints online and also 300+ complaints on the BBB site, this company is definitely not treating it's customers right I have spoke to someone in customer service who says this will be taken care of but I somehow doubt it by seeing everyone else's complaints. In the terms and conditions it says nothing about charging me 54.95 and 49.95.

My main concern is this collection company turning me into the bad check writer's national database and I'm not a bad check writer for some reason whether it be on my end or Momentum Direct there is a typo in my account number but I'm glad there is because if there wasn't Momentum Direct would owe me a refund big time. Please help.

April
New Market, Alabama
U.S.A.