Direct TV Cancellation Fee Took $607 out of my bank account without my authorization El Segundo, California

I signed on with direct tv almost a year ago.  Unfortunatly, I had to recently cancel my services because I could no longer afford to pay direct tv.  My husband and I checked our bank account and found out that direct tv had taken $607 without our authorization.  My husband filled out a dispute form and filed it with the Regions Operation Manager at our bank.  However, he advised us even if we did not authorize the charges that there is still probably nothing that they can do and that we need to take this up with direct tv.  My husband also had to put a freeze on our account. 

 I have called direct tv 3 times in the past 2 days and have gotten no where.  They refuse to transfer me to a manager and everytime I call they are supposedly all in meetings.  They tell me that one will call me back but no one ever does.  I explained to them that first of all I know I did not pay and that I owe two months in bills and they are still billing me for that (an amount of $151).  I however asked them why they charged $607 to my bank account without my authorization.  They told me that I never sent back all their receivers and equipment and that was also for early cancellation fees.  I explained to them that I know they sent back the boxes for me to return their equipment not even a week prior to this incident with the bank.  I explained to them that it rained on the boxes that they delivered and I had them dry out and I was in the process of sending the equipment back.

I explained to direct tv that since they have now charged $607 to my bank account that they are not getting any of their equipment back.  I went round and round about asking them to send me proof of where I signed showing that they could take out cancellation fees and other fees without my authorization.  They said that it has all that information on their website and I should have read that.  They basically told me that I never signed anything stating that though.  I also asked them to send me something in writing showing the amount of cancellation fees for early cancellation and for other miscellaneous charges when a customer does not return equipment (because it seems like they are charging whatever they want depending on the situation on each customer).  They could not provide me with that either.  They just told me that $320 was for my early cancellation fees.

I then told them that they need to send me a letter stating that if I sent all their equipment back that they will retract these fees from my bank account.  I advised them if they did not do that then they are not getting anything back from me.  They refused.  I called again and was told that a manager will call me back within in 24-48 hours so I am still waiting on that call.  I probably will not get a call back.

The problem I am having here is that my husband and I were about in the process of going to an attorney and filing bankruptcy because we are losing our home.  We have not paid mortgage or anything like that either.  I explained that to direct tv.  Therefore we did not have any money in our bank account (and when I spoke with the Regions Operational Manager at my bank he said that my husband and I have been loyal customers until this incident).  We now have over negative $600 in our bank account and cannot pay it.  Our bank is going to charge us $6 a day everyday until we can.  The Regional Operations Manager however is going to waive the fee until he gets an answer on the dispute form that my husband filled out.

I honestly do not know what my husband and I are going to do.  The only thing that my husband and I had in good standing was our bank account and now direct tv has messed that up.

I am going to also try to file a complaint with the corporate headquarters online with direct tv.  I am not sure what else I can do here.