Can creditors take unauthorized monies from and account ??

My spouse had a payday loan out wich he did get behind on... We were never contacted until one year later by anyone at anytime..We finally did get this letter saying to call this office about a personal matter well we did the right thing and contacted the office and I was put in touch with a lady by the name of Fran Porter she was ok at first telling me that they had over 50,000 clients and that is why it took so long to get in touch but the loan was 1 year deliquent oweing $1400 but they would offer me a settelment of the original amount of $300 I asked if it could be paid in two payments of $150 which she said was fine she faxed the paperwork I filled it out authorizing the 2 payments one on the 15th and one on the 29th and faxed it back...Two weeks later Fran calls my spouse and says they can no longer accept debit cards which she made a mistake and faxed the wrong form to fill out but could she have our checking account info so he said sure gave it to her we wanted to make good on our settelment..The first payment was not taken from our account until the 20th and the next payment right on the 29th as scheduled but on the 2nd this same company westbury collections takes out another $200.. I called Fran on this she said that my payment was returned nsf and I told her that it was not these were our paydates. She was very rude and said if you can show me proof that it wasnt I will refund your $200 and your $150 so I went to the bank got proof from our branch manager that they both cleared and faxed it to Fran I contacted her the next day and she said I need your Bank statement from the 15th on so I go get her the bank statement call her she says I need the banks stamp on there prooving that is where it came from so I go back into the bank have the branch manager stamp everything and I fax it all to her..I call Fran back she says once she gets it she would walk it down to accounting herself and have it resolved today.... I wait and wait to hear from her so finally my spouse calls after she tells him to call back in 3 to 5 business days he tells her you told us this would be taken care of today and she lies of course and says I did not he says you had no authorization to take $200 more from our account we made good on our settelment offer and she says I can do what ever I want your account was deliquent and hangs up..So I call and ask for a supervisor and they ask why I tell the lady and she puts me in contact with a Robin I asked if she was a supervisor she says yes I told her whom I was and asked if she knew my situation she says no so I told her the story I didnt mention that it was my spouses account and she immediatley says why are you calling this isnt your account so I know she knew the situation I told her Fran had hung up on my spouse and I had contacted her from the begining which was no problem when she wanted that settelment I told her my branch manager said to dispute this since I had all the original papers I faxed giving the 2 dates and the amounts which I was authorizing then this so called supervisor says you broke contract when you let the loan go deliquent I said you broke your settelment offer by takeing unauthorized monies from my account If the company wanted more from this settelment they should of said so to begin with so I knew when the money would be taken out. This Robin says do what you got to do and we will do what we have to so I did file a dispute with my bank and gave them the proof of the authorization I did give so they will give me a credit of $200 which takes 48Hours this doesnt help me since I will have a payment returned because of all of this...Can these companies just take money whenever they feel????We tried to do the right thing and we got suckered in the end now my account is a mess..This westbury collections are very rude and disrespectful,they lie I have proof of that and If anyone is about to give them any account info I warn you do not ...I was always tought being nice is the best way, do these collectors not have any morals about them?? I think that there lives must be so shitty that they have to make everyone eleses.. I couldnt live with my self treatint people this way especially ones trying to do the right thing