online scam

Recently, I went to apply for a loan online but got decline for some reasons. Now I suddenly got charged for some membership as an add on to the loan application. I didn’t get no money now I have to pay for this, They said I agreed to this that they told me to read the terms and agreement and I did so... this is a scam right? I filed complaints with my bank, BBB, consumer advocacy foundation and attorney generals office.... they said they can give me a refund in 5 days,..