Entered into an agreement unaware

Hi, it was around August /September 2017. I was financially unstable and disparately needed a loan. I then google the companies offering a personal loan, then found the above mentioned companies, I then app**** for Loan. Non of the offered me a loan. I completed these applications online. The applications required my bank account. Surprisingly on my pay day, the were monies debuted, I then reversed it. The following month same thing happened,then reversed my money. I went to the bank an block both companies. They now sending me intimidating messages that I'm owing them, they say I must settle the account otherwise they will take legal action again me and seem as if they are same company using different names because the messages they are sending me are the same. Yesterday I got the message that I must settle the accounts in 3days otherwise they will send me court summons. My I'd no: ********** 486081 used as my reference number. Please help I don't know what yo do