scoresence took $45.96 from my payrolll debit card without my ok . Then denied they did. My bank said yes they did they say know. LIE''' online Internet

My wife was trying for a loan online.  A man called her and stated that before she could take out a loan she should get a credit report, and for $1.oo scoresense would do it and refund the $1.00 when done. Useing my work debit card she did that.  The $1.00  was returnned.  Almost 1 month later $45.96 was taken off my debit card with no knowledge  and with out my permission.  Contacting my bank to inquire where the money had gone, I was told that Scoresense took the money from my card and given the number to call them.  Apond calling they informed me yes they took $1.00 and refunded $1.00.  But knew nothing about $45.96 that their monthly membership was $39.99, and no one from their company would call . But yet when I gave them my name for refrence they stated yes we have your membership yes you can cancel if you want.  They couldn't understand that I never applied or purchased or even knew who they were to become a member.  And $39.99 sure comes to about $45.96 after tax.  They knew nothing about the money.  My bank says they took it they say no they didn't.   Where is my money?