After getting no response from Haband or World Financial Capital bank on the erroneous charges and late fees, I contacted the BBB and the State Attorney General. Charges were immediately removed. If you are also having trouble, contact: Better Business Bureau of Central Ohio, 1169 Dublin Road, Columbus OH 43215 or centralohio. BBB.org/consumers and/or FDIC, Division of Depositor and Consumer Protection, 1100 Walnut Street, Box #1, Kansas City MO 64106. Send documentation along with your letter of complaint.
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