About CheckCare and their practices of collecting money

We found out recently that CheckCare has been creating electronic drafts and presented them to our bank account with no signature of any kind needed. Additionally, CheckCare has a practice of adding two unknown people and theirs debts together simply because the signatures, names or bank accounts MAY be similar (a CheckCare employee told me this herself). Now, a new issue is that they are hitting our account multiple times with no notices mailed whatsoever resulting in excessive fees. I have tried to call them previously to make payments on OUR debts and have been told each time that I'm not able to make a payment because one is already scheduled to be debited from my account on such a date and there is no way to stop it. This kind of practice has gone on for at least 3 years. In the notices sent prior, they said whatever bad checks they recieved would be presented up to 3 times. I can't even tell you how many times our account has been hit. Are they legally able to do all of this in F