Fraudulently taking payments for an old bank account.

I was recently contacted by a payday loan company stating that I had not paid them off. Which led me to the bank that I supposedly paid off. When I contacted the bank themselves, they never received any information stating that I have paid it off so that way they could take me off of ChexSystems. I found out that the bank that I thought I had paid off had sold my information to a third party collection agency. I never received a letter stating that I had finished paying the Bank back and did not know I should have received a letter, until the payday loan place contacted me. Now because it's a year old my bank can not go back against them for taking this money fraudulently. The phone number that I have when I looked it up on Spy Dialer has been reported as a Spam number. When I Googled the company name that I was told from my bank had withdrawn these payments, it does not state that it is a collection company. So now not only do I have to repay the payday loan place, but I also have to repay the bank. This company is called TCF Associates LLC. They gave me a reference number as well as an authorization code. This place seemed legit otherwise I would not have gone ahead with these payments! I'm a sick single mother on welfare who does not receive child support. I don't have any of my own income. These payments were made from my mother using her Social Security money. I have no idea how I am supposed to get this money back and or pay it to the correct people.