Fraudulently debited my bank account

I checked my account balance one day and found that this company "Secret Cash Card" had withdrew $49.95 from my checking account. I was online applying for a different type of service and "Secret Cash Card" made it seem like I applied for their service as well and deducted $49.95 from my bank account without my knowledge.

The charge caused a NSF fee in the amount of $35.00.  I contacted them and their response was that it was authorized. I contacted "Secret Cash Card" and they said they will be sending my refund of $49.95 within the next days.  But as for the bank charge they said it was my responsibility.

Something needs to be done about this scam company.