Legal Question in Credit and Debt Law in California

I am sorry to say that you were probably scammed. The first site - into which you plugged all of your information was probably a "phishing" website - one which wasn't actually trying to give you a payday loan, but actually was just collecting your information for identity theft. Contact the police - this really doesn't sound like the first site was legitimate. Also - if you want to have a bank account in the future, notify the bank that there were unauthorized charges to your account, and ask them to reverse them. In the mean time, bring the account back to at least a zero balance, have the bank close that account and open a new one. If you let that account close with a negative balance, the bank will report you to Chex Systems and you will have a very, very hard time opening a new account in the future.

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