Mycash Guardian Took money out of my Bank acount without permission, and never gat any loan. Internet

I applied for a few different 100 day loans and or 6 month loans but never got approved and seen my bank  a few days later and had thought my bank had made this charge to my account because my bank had closed another account and charged me money because I didn't receive any money from another bank ATM machine. I called my bank asked why they charged my account this amount of $29.95 which put my account overdrawn and started charging me $7 a day and soon closed that account also. I told the bank person from an 800 0r 877 free call number I didn't order anything and again asked why was I being charged the $29.95 and being charged $7 a day? The person told me I could depute that they would send me a letter to me address on file and had to sign the form and return within 7 days or maybe was 10 days to the bank. I told the person on the phone Iwas in another country at the time and wouldn't get the letter. He then told me to change my ailing address, I said no because I would return home in a few months and didn't want to change my address because by the time the letter would arrive to me the time to return the letter would have expired. When I returned to my  home I had a letter from the bank they reopened my last account and deposited the original $95.55 from the bank in the other country and went in person and asked for all the money that was charged to me for all the overdrawn fees and this $29.95 amount also and was told they would look into this matter. After another month got a call from the bank manger and was told they couldn't do anything for me and not be able to refund the money charges and this $29.95 charge from Mycash   Guardian.