<prompt> Human: Ive been making monthly payments of 20 to an urgent care my daughter went to last year. Originally, I used my mothers credit card for the first visit. And now Im paying off the rest of the services.In November, the office manager told me I needed to pay it off soon. I told her Ive been making my monthly payments on time and with the holidays coming I didnt have an extra 140 to pay off the bill. She said ok we can do 10 payments this month and in December, we will follow back up in JanuaryThey always ask if they can charge the card on file, which I assumed was my mothers card, and I say no, here is my debit card.They call yesterday, asking for 30. My husband didnt get paid until today. I told her, I can give you 15 but I dont have the other until later in the week. She insisted on 30, each time I told her I didnt have 30 until later. She said Our next step is to send you to collections I knew she was bullshitting so I said, thats fine. We get off the phone. I check my bank, and Im all the sudden negative 41.She charged my card the full 120. I call back. I said I did not authorize you to run my card and you did it anyways. She said they are attempting to collect a debt before sending to collections and that it went through. I told her to reverse the payment and she said she couldnt. I told her it was bad business. She said I signed a waiver to have the card on file. I reminded her I signed a waiver for a credit card at time of visit that was my mothers, but not my debit card. Ive been giving it to them manually over the phone.She said I was refusing to cooperate. So I disputed it with my bank yesterday. And I guess my question is, how likely am I to win it? I only authorized 15. She couldnt wait just a few days to get the other half! That little bit of money we had in the bank was for food and gas for the next 2 weeks after we pay our rent. Do I need to call and follow up? The money is already back in there. And I understand Ill still be responsible for the 120 I owe the Dr office but I literally did not have it yesterday. Ive never been in this situation before so any advice on how to handle this would be appreciated.  <response>: You should win if youve been giving it to them manually each time for single authorizations. If you lose, its time for a new bank. 