Monterey Financial Services, Inc. Credit Card Complaint

Monterey Financial Services, Inc. Credit card department,

Unsolicited issuance of credit card Connecticut

purchased a opal ring at - jewelry store. - days later returned it as it was white stone and had some sm stones around it ; was to big for my hand. - the store clerk asked if I wanted to look and I picked out a - ring w/necklace. Did n't want the necklace but it was a set and cost a few dollars more. She evened the purchase by putting the difference on my visa credit card ( approx. $ -. ). Got hm the set was very cheap and the opal a fake so I brought it back. it took her almost an hr. to process the return and again I used my visa to get a " credit '' back or the overage. Clerk had attempted to get me a - Credit card but was denied. a few wks later rec 'd ph call fm Monterey Financial about pmt to my acct. replied I had no acct. they insisted I did and owed them $ - Which I did not ; explained what happened and faxed ALL paperwk/receipts to them. they could n't make anything out of the paperwk ; insisted I owed them $ - This was a yr ago this past -/-/-. Went to an attny, he wanted them to call Him. They took his name and ph # and supposedly never called attny. I sugg we go to court to sue but attny said it was n't worth it??? Now my credit score is in the toilet when it was - and here I am not ever moving out of it??? I also found in my looking for paperwk/recepts what I had thought was a credit on my visa for the $ - was in fact a charge of $310.00 ... so I in fact paid for something I DO N'T HAVE