It's not enough to "say" you want your money back and threaten to "sue" for damages...WAKE UP...THEY-DON'T-CARE...THEY ARE ACTIVELY STEALING FROM YOU...The people (person) who debitted your account, without your authorization, already figured out all of your ramifications. It's a scam thats going on and the type who thought it up are malicious and persistant. They are counting on you doing nothing oror not enough; feeling helpless, frustated, or even embarressed enough to "just let it go, maybe to "just open another account. You have to eradicate the problem.
First you have to formally file a complaint with your local police department about what happened. Get copies of the front and back of the transcation document (in the case the "e-check" ) to have evicence of what you're referring to while talking to the police.
The very first thing you want to do is call (and if possible record the conversation of) the contact that's listed on your bank document which shows a debit occured. If you go online to handle your banking, you'll most likely have a way to "view" the item in question and also "print" it for later use and your permanent records. Please print ASAP.
Next, call your bank and ask to speak to the manager, or a banker and tell them there's an "unauthorized debit" posted against your account and you'd like to make an appointment to file paperwork with them to recover it asap... (from what I'm learning you have 2 business to bgin this process, and in some cases, you have up to 60 days to complete it.) When you sit down with the banker, go over the story as you did with the police and tell them you filed a police report. Some banks have you fill out a form, give yo temporary credit (provisional credit) for the amount debitted. Sign the paper when prsented by the banker and let it run it's course.
You make opt to change your account number, as a safety precaution. Good luck!