I read the reviews of riscuity and I would like to know, as a victim of their tactics, If my debt was only $300 dollars on the account they took over, why did they take $1,247 and how long does it take to recieve my refund of the overage they collected. It has been almost two months and all I get when I call is voicemail or excuses. Maybe they should change their name to Excusity Inc.