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Hi - I practice in Mississippi.
If the debits were unauthorized by you, you're entitled to have the money refunded to your account, plus the creditor is responsible for reimbursing you for any overdrafts.
If they give you a hard time, you should contact the consumer fraud division of the state attorney general:
They'll help you get thing straight.
Yea, you need to get this straight, and if they can't do what they say, cancel the automatic drafts.