Complaint Review: Easy Refund

I received emails from easy refund, I imagine part of Higher One, that I had overdrawn my account.  They started to threaten me right away.  I am a disabled mother of 4, who is a senior at Texas A&M Corpus Christi.  They Use Higher One/Easy Refund to disperse loans, and financial aid.   From what I remember, I may have done some survey like activity on the internet.  It seemed harmless.  I vaguely remember there being an offer for around 5 dollars from Onlingo.com.  I did receive one CD.   After I received the threats from the Easy Refund group, I did some investigating.  It seems that Onlingo.com does this sort of thing all the time.  What they did to me was take the amount I almost remembering authorizing then take one more dollar, then eventually over 79 dollars.     I cancelled that card because I learned that Onlingo.com will not stop withdrawing from accounts, even when asked to do so.  They are in some way associated with Amazon.com.  I sent this information to the Easy Refund oranization they denied my request.  I am not sure what that meant.  Now they are threatening to report me to the hotcheck department.  Why did they allow Onlingo.com to withdraw money from my account?  If I have ever tried to use the card, and I have no money in it, the card is denied.  Last time I used this card, was around Septermber 24, 2009.  The Charges were made the 8th of October in 2009.  I sent back the CD, but did not obtain a receipt for this.  How can they do this?