The SAME thing happened to me!
Not only that ... I never got the product for which I paid shipping, so who ripped who off?
I guess I too will see this scam come up on my credit report, but that's OK - not only will I have it removed immediately, I will take legal action against the company (which, incidentally, no longer sells this product!) and Access Capital of El Cajon, CA.
Access Capital, legitimate? Perhaps they are legally registered but I can tell you that they have threatened to affect my credit rating, WITHOUT one single page or statement to justify their claim, which is NOT acceptable!
Sorry, I will not pay for a product that I cancelled within the given time AND never received!
What is the US coming to, when people are sued for products they never received?
If Access Capital thinks that I am going to bow to their claims of being professional, they are VERY mistaken!