Fantastic Onlines Went in to my account and withdrew $99 without my approval. Baltimore Maryland

I opened an email stating I qualified for a free gift of a watch.  I accepted the "free" gift, entered my banking information to pay the shipping and handling.  Printed the transaction receipt and waited for my "free" gift.  Watch was delivered 3 days later.  I check my transactions everyday, as my funds are very limited.  Checked them 11/17 at 8:00 pm and noted my balance.   On 11/18 at 5:30 a.m. I saw a deduction for $99 from Fantastic Onlines.  I called my bank to notify them this was not an approveed transaction, closed the card and ordered replacement.  Bank gave me a contact number.  Called to find out it was not Fantastic Onlines, but Luxurious Fashions.  I was told I had ordered a watch, not true.  I accepted a gift.  After some haggling on their part I managed to get a promise of full (not partial) refund set to hit my bank 11/22.  I had to threaten to report to BBB and my bank also would take actions to get the refund.  The online site (Fantastic Onlines) only used online contact information (no phone #)  When I sent the email I got a response on 11/19 that was not relative to the situation at all.  This type of business activity is crippling to me and should not be happening.  I have automatic withdrawals on my bank account which will  require me to borrow from family and pay manually until my account is clear.  Outrageous....