AMERICAN WEB LOAN over charge after the loan was paid. Extremely high interest! Internet

 My loan was approved & placed in my account in August. The first payment was due of $81 on 9/15, and was debited evry month on the 15th and 30 or 31st of each month. The $81 was debited each month, twice a month until January 2015. I called in between months to check on the balance, which was $300 everytime I called. After a total of $648 was debited from my account, I put a stop to this on January 2015. They are now threatening me & blowing my phone up for non payment, as if nothing has been payed to them. Thay are threatening to take me to court (this was received throw an e-mail), and saying that I unlawfully took $300 from them through an online services and has not paid them back. I do not intend to be ripped off from my hard earned money as far as I am concerned, they have been paid their money, plus some that was NOT owed to them.