Complaint Review: Skype.com

Skype has a sister company to take the payments for them called, http://www.boingo.com
I have no service that I supposedly payed for! I wrote them and told them not to take out any money out of my account since I did not receive any service.
They wrote me back and said that they could not find anything under the account and they it did not exist and not to worry!
Turned around the very next day and removed two charges out of my bank account. in the sum of $2.99 & $12.00 each one bounced and I got charged For INSF for both of them. In the tune of $64.36 and I still do not have any service from skype. They are a rip off! Do not use them for phone or anything eles!
Can anyone here tell me the procedured for California I am beyond angree since they said they could not find my account and not to worrie. They gave me a number to talk to skype and it does not work!