CCA Overdrew my bank account of $400, The First National Card is a Scam! Las Vegas Nevada

Back in 2005 I received a credit card offer in the mail from a company called CCA. As Im reading what it is and the interest rates and such. Im thinking this is too good to be true to be able to buy things from a magazine with no interest rate ever. So me being ignorant to the fact of credit card scams I called and stupidly gave the company all my bank account and personal information. They ended up withdrawing over $400 dollars and in return overdrew my account. They said there would be a one time fee of $199.99. This company is a complete scam. After I noticed that my bank account was negative I immediately called my bank and ask them what happened and what I can do to fix the problem. They told me to call the company and tell them to refund the money back to my account then they gave me some story on how they can't refund it and that my bank must do it. So needless to say I know have a deliquent bank account which I cannot pay because I do not have over $400 dollars to shell out to some scam. So hopefully someone can help with this situation and bring this company down. They need to refund my money because it is not right to completely take advantage of a persons life.

Alicia
liberty, New York
U.S.A.