Complaint Review: E-Credit Solutions

My husband was offered a visa through mail. He accepted the offer, and agreed to a initial charge of $199.99 to our debit card. This initial charge was promised to be credited back. When the card arrived from E-Credit Solutions, it turned out not to be a visa but a card we could only use for E-Credit Online store. Naturally, we didn't want that. My husband called E-Credit Solutions and they promised to refund the money back within 2 weeks. 2 Weeks passed, we didn't hear from them. My husband tried calling back, but the phone was already disconnected. All of the sources we could reach them by (phone, email, fax, etc...) were disconnected. I am a university student, and my husbands salary is all we have to live by. $199.99 dollars thrown away just like that is something we really felt financially. Don't get involved with this rip-off company!!!! And if there is anyone out there who can advise us on what can be done, if anything can be done, in our situation, we would gladly accept any advice and/or service of help. Stacey Spokane, Washington