I never ordered or authorized the Unlimited Local Savings to take money out of my checking account. I need a refund of $49.99

This company is linked with a payday advance company per the rep's explanation by phone. I applied for something on line but never applied for anything with this company. They debited $49.99 for a membership with their company from my checking account. This caused my checking account to become negative. When I called to inquire what company they were affiliated with, they could not identify which company I placed an application. On the day I placed application for a payday advance, I never followed through with any of the companies on line. This company tried to re-route me to another website to get a refund but I refused to do this because I felt like this was another scam. I am letting my Bank and the federal government handle this.