Palm Loan Advances Palm Loan Advances processed a $30 check without consent Las Vegas, Nevada

Palm Loan Advances processed a $30 check from my account which sent me into overdraft which is an  34.00 charge. When I called them the first time they offered to send me a $100 gift card.
They claimed I went to their website and agreed to a 30.00 application fee. I asked her to show me, where it is posted on their site and where I agreed to it.  She just repeated it is clearly stated. I have never been to their website nor have I ever heard of them.   She just kept directing me to the site, and adivsed if I had additional questions to call back.  I stated I have questions now, why do I need to call back.  So I went to site as directed while she was on the phone she still could not direct me to where the $30 charge is posted.  Just kept saying that a $100 gift card was being sent via email. 

I was speaking with a Camilla @ 866.789.3114, I asked to speak to someone who spoke English as I was having trouble understanding her, and was not afforded that opportunity.
I was clearly not getting anywhere and call was terminated by Camilla. 

Approximately 2 mins later my phone rang with a "Loan Officer" who wanted to promote Advanced Education Assistance, when I stated I was not interested, again I was hung-up on.