USA Credit.com Virtually STOLE $149.95 from my bank account! Internet

I checked the balance of my bank account before going grocery shopping the other day and found that my family wan't going to eat that week.(last week). Why, you ask?  Becase there had been a $149.95 deduction from my bank account that I was not aware of, did not know who they were and could not get any information from my bank's website on who this was.
The only thing I could do was try to follow the charge back, on my own, and found that it was removed by a company called USACredit.com.  I have no idea who this is.  What I do know is that my family went without groceries last week. 
I had been looking to get a payday loan and inadvertently, because you get referred and referred and referred when your trying to just get by, had somehow come across this company.(Using the term loosely).
Not only did I not get the loan, but obviously they felt they could just take the only money I had left.
I have read in this website that I am not the first person this has happened to.  Unfortunately, this is not only embarrassing to have to admit that things are so bad at your home that you were even having to check into payday loans, but my husband had no idea I was doing it.
So, in addition to being screwed out of the last money I had, now I'm in the position of either telling him the truth and probably having the argument to end all arguments, or continue to lie and hope that on Monday morning at 9am, which is when I will be at my banks doors, that since it has only been seven days they can fix this immediately.
I have no idea what to do now.  I have NO money left for groceries, much less the electric bill turn off notice which is what I was trying to get the payday loan for in the first place.