We now understand that the actual company that charged her account wasn't the merchant but a company called CybrCollect.
We also understand that they can not do this without "expressed approval." That all electronic transactions are governed by NACHA(National Automated Clearing House...
A friend of mine accidently wrote a bad check. She was charge a return check fee by the bank for $25
She then noticed that a local merchant electronically represented both the check and a service fee. There wasn't enough money so she got debited for two return check charges by the bank. :(...