ULS Savings Club Scam

I have submitted a complaint with IC3 Online and now I am submitting a claim with you guys as well.  In November/December 2010 I was online and had begun the process for a payday loan.  I had done this before and I always received email asking me to process one again.  In this process, I noticed that the agreement was to automatically enroll me in a Savings Club and I didn't want this so I opted out.  Unknown to me at the time, my information was processed and my checking account was debited $49.99.  Luckily, I had the money in my account.  Towards the end of December 2010 I checked my balance and noticed that I was missing money so I called the bank and they gave me a toll free number associated with a debit from my account.  I called this number and they explain to me that I had obviously requested their services online which is why I was processed.  This was incorrect but I listened and requested that money be refunded.  I was guaranteed that there would be no problem and my money would be refunded.  Today is January 27, 2011 and my money has not been refunded and the last representative asked me to give her company another 3-5 business days.  This is crazy!!!!  I never requested their services and now I have to wait longer!!!! I am sure that I am not the only victim.  I had noticed money being taken from my account in 2009 which totalled approximately $200.00 and I never took the time to follow through.  I am tired of Scamming Companies who only prey on the less fortunate.  Please Please Please help me.