Complaint Review: Ray Renolds University

I ordered a program off TV for 3 payments of $33.33 and after they 2nd debit form my bank account of $58.40 one on 6/29/07 and another on 8/3/07 I called my bank and they told me that they could not do anything about it the only thing I could do is cancel my card and call the company. I did just that, I was told that the call center when I ordered put me on a $500.00 + program I told him I only authorized 3 payments of $33.00 which was what they were selling on the Infomercial. He said no problem just send it back and they would refund me or send me that $33.00 for 3 payment program, I sent the program back certified mail on Aug 2, 2007 and they received it on August 6th at 9.04 am the signers name was J. Smith.
I thought I would be refunded but they sent me to a collection agency for $400.00 + I told them I did not owe them any money they owed me money because I have returned that program, and he said they could not do anything about that they needed their money or my credit would be DESTROYED. Can they do this to me?
Tammy XXXXXX

TAMMY XXXXX
AUSTIN, Texas
U.S.A.

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