netspand / removed money from checking

I was looking at payday loans when I was sent a pay as you go credit card. I have contacted the company who states they never received any funds. It was never my intention to order any services from this company. I was charged a 99 dollar fee by your copany which was taken directly from my account. I am 69 years old and this money was to be used for medication which now I doing without. I am sure that this means nothing to any one but me but I new no one to complain to. any help would be greatly aapriciated I can be reached at gstephens11@cox.net. my nane is Gerald Stephens.