savings makes money Deducted a 87.00 electronic check from my bank account Encino Internet

I applied for a online payday day loan.  I received a phone call from a represenitive regaurding a unsecure loan the gentlemen spoke so fast I asked him to repeat himself four times we ended up getting disconnected.  I never gave it another thought until my account was debited for 87.00 from Saving makes money.  When I called they told me I authorized this transactionfor their product.  There is no product or could they tell me what it was they also said they do no give payday loans eventhough their website says's it.  Now they want me to fill out a cancellation form so they can review it I will not fill out a cancellation form for something I did not order that would be saying I did.  I have made numerous attempts to get my money to no avail and I am not the on ly person this same exact thing has happened to.