Direct Benefits Group Direct Benefits Online Stole Money from Bank Account, Internet

On the 8th of December I noticed a problem with my bank account,  I was $-73.97,  overdrawn.  I did some quick investigating, and made some phone calls, and sent some emails.  I am unemployed and had no more money coming into my account until my next pension check on the 1st of January.  Here is what I found out.  On 29 October I had gone to a website for payday loans.  I had actually been looking for a 100 day loan,  but the computer sites kept connecting me with payday loans.  On one of the sites,  there was a pop up window for discount gas card,  and discount cards for other items.  I scanned through the info,  found out there was a charge of $49.90 and quickly exited.  I did not want an additional charge,  I was looking for a loan because I was unemployed and waiting for Social Security to start.  This was on 29 October, 2010. The money $49.90 was taken out of my bank account on 7 Dec, 2010. For some reason,  they waited 5 weeks before taking the money.  When I phoned them,  their representative said that I had agreed to the charge by opening the pop up window. I told him, " Duh,  what else would you say to justify taking money?  Would you admit to taking money without permission?"  I asked to talk to his boss, and he said that he did not have a boss,  only the owner and the owner does not take phone calls. He said he would refund the money but it would take until 28 Dec 2010 to do so.  I told him that was ridiculous.  No respectable company takes 21 days for a refund.  I contacted the State Attorney General for Wyoming and complained. I got a response from a Mr Kebin Haller,  Deputy State Attorney Office.  He phoned me and told me on the phone that the Wyoming office is just a "Paper Business Office". A Business paper was filed with the State of Wyoming,  but no actual physical address is occupied by Direct Benefits Group.  It is used only as a contact location.  No employees work there.  It is paper only,  not actual.  There physical location is in the State of Utah.  This sounds like a really odd way to do business to me,  at least for a respectable business,  but what do I know ?  Anyway,  Mr Haller assured me that I would get my refund.  It has been a week now,  and I don't have it.  I have changed my bank account to prevent any future attempts.  My bank also charges me  $25 a week for each week I am overdrawn.  If it takes me 3 weeks to get my refund,  that will be $75 for the bank,  $49.90 for the refund,  $29 to change my bank account.  It will cost me $54.10  even if I get my refund.  On top of that,  I will spend Christmas with no money,  my bank account will be overdrawn.  If they had sent a refund within 3 to 5 business days, (Standard practice for most businesses),  this whole situation could have been prevented.