Global Payments Global Pay stlTotal Merchant Services Global Pymnts charged my bank account incresing amounts for months without my approval Internet

Global Payments charged my savings account in increasing increments over several months.  First a small amount: $37 and I didn't notice.  The following months they charged $36, then $66 twice and then $73.  Very unusual amounts.  When I contacted them, they told me that they are only a billing service for Total Merchant Services and there is nothing they can do to reverse or explain the charges.  

I contacted Total Merchant Services at 1-888-848-6825  These people are answering phones in India and would not provide any information.  They required my information, to even look up my "supposed" account. I asked for an explanation as to what these charges were for.  The woman told me that it was for credit services.  Should would not explain if it was for credit cards or for the ability to charge cards from others.  No matter what I asked and how I phrased it, she would not explain how they determined these fees.  I argued that I never authorized these charges and never agreed to any of these so called services that they were providing.  The total over 7 months was over $300.  How does any company figure that they are entitled to more than $900 a year in monthly charges for any kind or merchant service?  This is clearly fraud.  

They would not elaborate or consider refunding the money.  When asked questions and informing them that this was clearly fraud, she remained silent.  She did say that she would file a "request for cancelation of the account" but that it would cost me $295 for closing the acocunt prior to the 3 year contract.  I then asked what was this contract was for, that she claimed I signed.  She said it was completed electronically and wanted my credit card information to go ahead and close the account.  I refused.  She said she would complete the request and told me to wait on hold, to which she never returned on the phone.   I wanted a copy of this contract but when I call to request this contract, I have to provide more information to "verify my account" and then get put on hold.

I tried to get the charges reversed thru my bank account but because this was processed as an ACH transaction, the law states that you must file the reversal request within 48 hours of the charge being ordered.  They win no matter what because Total Merchant Services sent the request to Global Payments and by the time they filed it thru my bank, the 48 hours had passed.  I then had no chance to refute the charge.