Is This Legal?

That's what I'm trying to find out. It is a long story, but the short version is this. I had some financial problems and fell behind in cell phone payments. While I attempted to get back on my feet, the payment went to collections. I tried to make arrangements to take care of that bill with EOS CCA collection agency. I gave them my debit card #so I could make monthly payments. I wanted to make payment of 50.00, but they insisted on they would take two payments of 140.00. When I said, "No." they said there was nothing I could do about it because they had my debit card number.

I called my bank and was assured that I had taken the right steps to keep my account safe. You can imagine how surprised I was this morning to learn that EOS CCA had, in fact, removed the 140.00 from my account and First Tennessee Bank allowed them to do it. When I called my bank and asked why they had allowed this when I made 2 phone calls to prevent it, I was told that I had talked to a new girl and had been misinformed about the steps I needed to take to protect myself. Isn't that just like a bank. They make the mistake and the common people pay for it.

Now I am wondering, how am I going to get an extra 140.00 to pay my mortgage this week?

It sure seems like something illegal happened to me.