Virgin Mobile Broadband Continuing Illegal and Unauthorized Withdrawal from my Bank Account. Warren New Jersey

I was a customer of Virgin Mobile Broadband. I canceled the account on July 07, 2013 via the online option. In addition I had automatic monthly withdrawals against my bank account payable on the 23^rd of each month, which I stopped prior to canceling the account on the same date. 

 Virgin Mobile has charged my account for the past three months July 23, 2013, August 23, 2013 and September 23, 2013.

 I have had to telephone this company each month for the past three (3) months to have Virgin Mobile Broadband cancel this account, stop charging my account and reverse the charges which takes them minimal 3 to 5 business days. Each time I’ve called I have been told by their representatives that the account is canceled, as well as the automatic withdrawal, yet I have to phone them each month. Today I was told the same thing once again?

Based on the experience I’ve had there seems to be a premeditated business practice to charge canceled accounts in hopes that the customer does not notice the charge.

When a customer has canceled their account and discontinued the automatic bank withdrawals this business model by Virgin Mobile of continuing to charge their account is illegal, as they no longer have authorization to charge said account, they are blatantly attempting to steal customer’s money. This is no more than theft on a large scale level.

 In addition because they say it will take them 3 to 5 business days to return the money they are receiving interest on said money, usage of said money and it boost Virgin Mobile financial bottom line, just think of the amount of money they are receiving if they are illegally steal $20.00 from 5000 ex-customers each month? 

My question is who is regulating these companies? Why aren’t companies like Virgin Mobile being punished for this horrendous, atrocious and unspeakable illegal business practice of unauthorized withdrawal of money?

 I am filing this grievous complaint in hopes that some actions are taken to stop Virgin Mobile from stealing customer’s money. By the way I am a retired senior on a fixed income with limited cell phone service. Mind you they are getting paid to be incompetent, while I lose cell phone minutes and my time where I could be doing something more satisfying. Why should I have to wait 3 to 5 days for an illegal withdrawal of my funds to be returned to me?

 They have shown no concern regarding my finances, what if this unauthorized withdrawal causes my check(s) to bounce and I am overdrawn? Who is responsible for the overdrafts fees? When I asked this question Virgin Mobile representative Carlos, silence.