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... read full review »