I received a reply from the Dept. of Consumer Affairs: Case No. CA07-2658:

This department has received a response to your complaint.
The business’ reply, however, indicates that they are unwilling to take the action you have requested. Any written response we may have received from the business is enclosed for your reference.
Your complaint will remain on file with this department and will be reviewed for formal action should additional complaints be received.
To pursue your complaint, you may wish to consider using the Small Claims Court, or seek legal assistance. Information concerning the Small Claims Court Advisor Program is enclosed.
Thank you for bringing your complaint to our attention.
Sincerely, Pastor Herrera, Jr., Director and (signed by) Ariel De Guzman, Investigator.

I read the enclosed document and there are false statements in it, and/or misleading statements. I will write a letter back to them and highlight those and tell my recollection of what actually transpired on the telephone with the initial call, and my sending of a certified return receipt requested letter to GISOL cancelling my two accounts. They say:

From the account documentation, Marsha Savage never submitted any cancellation request nor was there any attempt in doing so including no emails, telephone calls or any other form of contact showing any interest in canceling.

I have tried 4 times with my Wachovia VISA to get the chargeback done — they found in my favor the first time, but after “documentation” from GISOL they put it back on. I tried 3 more times to make them understand the real issue and have now paid the bill. But, that does not mean I will stop trying to get the $898.20 back.

Thanks for your web site and if I can do anything, just let me know.