This complaint concerns unauthorized monthly charges to my credit card account by EFC Martial Arts, Chevy Chase, MD, as a collection agency for a kickboxing school in Northvale, NJ, dba as Palangi Kickboxing. EFC, which states that it is only to be a collection agency for Palangi Kickboxing of Northvale, NJ, claims that my family agreed to an 11-month kickboxing lesson contract for our daughter at the montly rate of $119, although they have admitted that they don't have a written contract on file to that effect as we never agreed to any such contract and I never would have allowed my 13 year old daughter to enter into such an agreement. We only agreed to a package deal at a one time payment for a ceertain amount of lessons and the required equipment, but once a company has your credit card number they can continue to make charges to your account with impunity as the credit card companies don't vigilantly monitor these merchants. For his part, Mr. Palangi is avoiding all correspondence or telephone calls concerning this matter.

I have filed a consumer fraud complaint with the NJ at http://www.state.nj.us/lps/ca/ocp.htm. If you have similar issues, please consider filing a complaint with the consumer fraud division of the attorney genral's office of your state which is a better option than the better business bureau in your locale. Also be sure file written disputes with your credit card company. I have alos filed an online complaint with the FTC at https://www.ftccomplaintassistant.gov. I am still awaiting a response from these state and federal consumer protection agencies.

Hope that this information assists those with similar problems with EFC.