My Cash Guardian unbelievable Internet

Without authorization they took $29.95 out of my account, because I or some one with my email address, made an application for a cash advance loan.  1st the email address, which they state we provided, has not been used for over a year.  We have a new email address. 2nd  they said my husband gave them the info, a month prior to the charge in my account.  Did not happen.  I asked them if it was a month ago then how come we did not receive any funds in our account - replied we were declined.  That's funny, because when they instructed me how to cancel the application, it stated we were approved.  Also, asked what if I was overdrawn in my bank account because of this.  They would send me a letter for my bank, for them to refund any charges, because they don't refund any service charges.   I am sending as well to the Better Business Bureau.  Can you imagine how many people don't look at there statements for strange charges and just letting that charge go.  That's just not right for them to do.