Uniguard Plus! Freedom Financial Charged my checking acct $19.95 for a service i didn't order Naples, Florida

This company just processed a "check" to my account for $19.95.  I did not authorize this check, write it or sign it.  I was looking for information about consolidating payday loans the day before this was processed.  This company also operates as "Freedom Financial" and they tried (unsuccessfully) to charge my previous account, which I have since closed, $49.95!  I have tried to reach them several times to cancel this "membership" but so far no luck.  I am calling my bank today but am sure that I won't get a chance to stop payment on the check since it has already cleared.  I can't believe this is legal and that this company keeps stealing money from people who are obviously in no way capable of absorbing such costs.