Complaint Review: Unsecured Business Funding

I found this company online that does business funding for people who want to start a business.I had to pay at $249 start up fee that they promise they "will be with my throughout the process".I had to pull my own credit reports and email them to the company.I was then contacted by a senior underwriter.He told me that I have some cleaning up to do on my credit report.I did not need to pay them $249 for them to tell me that.I already knew.Terry Shaw then told me I have three options for going forward.The first option is that I can hire a credit attorney and let them assist with the paperwork do get my business started which would cost about $3000.00

The second option was to let this company do it for about $1500.00

The third option was to let me do it all on my own.I told Terry that day that I was not sure what avenue I wanted to do. I wanted to think about it.He then sent me a email that contained a bunch of legal wording it.He pointed out a "FEW" of the points in the email.What he faild to do was tell me that by signing the letter that I had chosen to go with option two and that my credit card would be charged for the $1500, however, my bank account did not have that much money in there so the company then tried for $1000, however my bank account did not have that money in there.The company then tried for the $500 and it was approved.I told Terry then that I did not authorize that transaction and that I did not know he was going to take that money out of my bank account and that I was still going to take a few days to decide which option that I wanted to go with.He said that it could act as a deposit.After doing some research on this company and finding that they have a (C-) with the BBB and are located on ripoff.com, I decided to call the company on 1/3/11 to get a refund and stop all further proceedings.I was put in touch with Terry Shaw.I told him what was going on and at this time he became verbally abusive and used sentences with that contained violence.He said that he needed a letter stating that I wanted to get out of my contract, but he was not going to refund my money.After talking to him, I filed a BBB report as well as contacted the Attorney General.I emailed Terry Shaw a letter saying that I wanted out of my contract and that I contacted the Attorney General and that I filed a BBB report.He then replied to my email with more threatning saying that since I was bashing his company and since I complained to those two companies that he was now going to send my account to collections for the remaining $1000.Filing a BBB report and contacting the Attorney General is my right as a comsumer.But, becuase I did this now the company is going to penalize me by sending me to collections and ruining my credit score.I have saved all documentation as well as the email that this person has sent to me.I ask that you help me with setteling with this company as they are threatening me becuase I filed a complaint against them, which is illegal.From the time that the money was taken out of my bank account the company has NOT contacted me in any way.That goes against the part where the $249 start up fee where they say they are will me throughout the whole process, becuase again, they have not been in contact with me any since that day.