My past due amount was $302, but I authorized only $107 on the automatic payment. After contacting my credit company they informed me that when I set up the automatic payment online the month before that there was an agreement that any past due would be charged. I do not recall any warnings to that effect.I later on attempted to set up another automatic payment and did not see any warnings of past due being taken out. I called the credit company and informed them of this and they agreed to refund me $195. Is there any action I can take for them taking my money with no permission.