Ivory White internet survey scam Washington District of Columbia

I was doing a survey and called my attention a free trial for Ivory white shipping charges of $2.95 I received the free trial and went on vacation came back and wallaaa!! my bank account overdrawn $108. overdrawn charges and an unauthorized charge from Ivory White of $78.41 Total: $186.41. This is crazy someone has to do something about it, the economy is too bad and people are scamming others, I called them and they said it is too late for me returning the product that it still intact (suppostly free trial) It has to be a solution for this if anybody knows what to do to get this refund, please let me know. Thanks

Sonia
Washington, District of Columbia
U.S.A.