Illustrious Perks Unauthorized debit to my checking account Internet

I applied for a payday loan and was directed to many different lenders.  I never read or saw any "fine print" giving my consent to be enrolled in Illustrious Perks at a cost of $48.88.  I disputed the charge with my bank.  There is a toll free number on the bank statement that I called.  I received a cancellation confirmation and refund of my money email from Illustrious Perks.  I will have to wait and see if the refund is forthcoming.  Never apply for a payday loan via internet.  I have had dozens of phone calls at work and at home and hundreds of emails inviting me to apply.