Consumer Advance Credit They wrote an unauthorized check in my name, and took out 69.95 out of my account. Internet

I was applying for a payday loan online, I filled in all my information.  At the end of the application process I changed my mind.  I checked my account on Friday, January 1, 2010 and noticed I was missing some money. 

When I checked my account online I noticed there was a check written in my name to consumer advance credit in the amount of 69.95.  I never even got the loan or the money, so why did they debit my account.

When I tried to call them, it went to a automated voice message and said that all representatives were busy and they were going to call me right back.  They never called me back. 

When I called again, I pressed 2, as if I was a bank calling about somebody, and they gave a different number to call, and that did'nt work. When I went on the website they had on the check, there was nothing where I could report what happened.

I tried to tell my bank what was going on and they told me it was nothing they could do but call the company back.  After I told them it was all a scam.