I created a ringtone successfully and assigned it to a contact, but the default ring always answers, I've tried deleting the contact, and also shutting the phone down completely, but neither has worked. One tip mentioned making sure format was correct??

I assigned a ringtone to a contact but the default answers.  I've tried deleting the contact and reinstalling it and  shutting the phone down (holding the home button in and the top button until apple icon appears), One tip mentioned making sure the format was correct. ???  Any suggestions?  The ringtone itself works if used as a default, but when I assign it to this contact, no dice.

First thing to always do is write a Certified Return Receipt letter or just copy the post you made and send it to Verizon Wireless and dispute it in writing.
Then walk down to your local court and file a small claims court case against Verizon for all the fraudulent charges. Verizon will call you before that court case and then it may be possible to get this wiped off your account.
Also file a BBB complaint http://www.bbb.org
Again Verizon will contact you to offer to settle. Get the settlement in writing not verbal. Or proceed to court.
Sorry you are going through hell for something you should never have had to go through.
Good Luck

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