I am a small martial arts dojo in nor cal and one of my students came to me and said the billing company made a mistake on their address. I had it fixed. The same month the billing company charged him a $40 deliquent fee for a $50 payment because they had also put down the wrong ex. date from the credit card. From there on, they have threatened to spread rumors about my restaurant business if I show anyone their abusive emails, they have also made fun of me, and have not paid me the money they owe me from my students. I have contacted all the agencies. Maryland Attorney General, BBB, and the FCRA because they were call ing my phone at 3:30am. I have never seen anything like this before. I have pages of emails to anyone who wants to read them.