Dermitage skin products money's funny, honey - GOTCHA Ontario California

Paid S & H charges to try offer of 30 day skin products in amount $6.95. Called company to cancel because did not see any changes on my entire face. Spoke with female agemt & was given RMA (Return Merchandise Authorization #.) She stated that I had 30 days for them to receive parcel and informed me about S&H , days I had to ship parcel & receive refund of S&H and full price of the products which December, 6, 2008, or would be billed
full price of $89.95. The 3 small containers was actually used to contain the product. Called tele# given me to, no answer for the last 6 days. They did however, get into my bank account on 12-4-08 & proceeded to take out $89.95. Still no reponse via mail, E-mail or telephone. I am angry! Help, please. My overdraft fee + return of the merchandise, leaves me feeling scammed. O, BTW, they stipulated "even if product was used or empty")

What other measures to take I must do to stop & possibly retrieve my Money? I am now closing the bank account to avoid further monies to this unscrupulous company (?) What else to do?

Queen anne
Columbus, Ohio
U.S.A.