Complaint Review: Family Mobile Powered By T-Mobile

I have only had service with Family Mobile for about 3 months now and I have to say they are a rip off. They are suppose to be low income and provide service that low income people should be able to afford. My bill is suppose to be around $25 a month and I been paying $60 or more a month because they are incorrectly billing me and charging me charges that are unauthorized. The first time I orignally tried to make a payment on my account for my first bill due the person taking my payment had applied my money to an Extra's Pack which Family mobile then would not refund and would not apply to my bill so I ended up wasting $30 dollars. Then back in June I had someone who was unauthorized accessing my account making check payments to my account in which Family Mobile would then charge me NSF for bounced check when I don't even own a checking account and requested this payment option to be blocked so that I would no longer be charged unecessairy fees. It then again happened today. I had no access to my online accoun to be able to make a payment on my account and my account was locked due to too many attempts. So I had called in and had my online account unlocked so that I could view my account and so forth. Right when I got access I began getting text messages saying thank you your payment was recieved. I looked under payment history and it again says a checking account that is not mine was charged and I will then again be charged a NSF when that check bounces. When I called in to have this removed they told me the only thing I could do was write an email about my complaint. I don't got time to sit here on email and write a complaint. I think this company is a scam and they keep taking more and more money from me every single month when my bill should be no more than $30 a month. I think this is how they make all their money telling people they can't give refunds because they don't have the option to credit accounts but I have to write an email to dispute an unauthorized user who has been getting access to my account?