Consumer reviews and reports on scam companies, bad products and services
Educational Funding Company
Educational Funding Company EFC stole money from me after I cancelled the contract Chevy Chase, Maryland
21st of Mar, 2011 by User735973
I signed up to the Integrated Martial Arts Academy (IMAA) at Harrisburg, NC. I have signed a 9 month contract (starting June 2010) and naively did not ask for a copy of it. The contract was for 9 months but I cancelled it after six months (November). I even paid for an extra month because I forgot about the 30 days cancelation policy. Because I was short on money, my dad helped me out and paid $114 by check to EFC for December. I even sent EFC a cancelation letter. On January, $312 were drafted from my account and after trying to contact EFC unsuccessfully, I went to my bank (Wachovia) and claimed that this was a fraudulent charge to my account. I received provisional credit from the bank but several days ago received a letter from my bank claiming that the merchant (EFC) convinced them that I owed them this amount of money. They did not confess to them that I have sent them a cancellation letter and also cancelled the contract through the proprietor of IMAA. EFC continued drafting $99 from my account monthly up to, and including, February 2011, each of which I have claimed fraudulent with my bank. Not only did EFC take away $312 (the three months that were left in the original contract, even though THE CONTACT HAS BEEN CANCELED, plus $15 late fee) they had no qualms with taking $114 ($99 plus $15 late fee) from my father (paying for December). I was promised by the proprieor of IMAA that the EFC will stop charging my bank account after December and I have e-mails providing this information. I did not make a copy of the cancelation letter which I sent EFC because I was nave and thought I was dealing with a legitimate trustworthy company. I do NOT demand the $114 paid for December because I understand that I neglected to notice the 30 days cancellation policy. I DO demand to receive the $312 back because not only do they include the two months which I were not supposed to pay, they also include a DUPLICATE payment for December.
Comments
2827 days ago by Akjeepguy
Always pay attention to the agreement and always get a copy of what you sign; it is a commitment in both time and $. Martial arts schools are like any other school; you commit to go to the classes and pay for it, and they commit to train you. EFC operates as a biller for the studio, so the studio can concentrate on teaching you and not have to worry about collecting money from people who decide to get lazy and not go to class anymore. Bottom line, everyone can afford what they choose to make a priority in their life; car, alcohol, new TV, cigarettes...whatever. Pay your bills and quit blaming other people for your change in priorities.

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