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I can not see any thing wrong with the bank.

1. Please check your long distance call company. If it still GLINK, phone BELL to chang it back and lock it. (BELL is still 17cent/min to China). BUT YOU HAD BETTER TO PAY GLINK FOR THEIR PREVIOUS SERVICES. You can sue them later.
2.If you never got any services from GLINK, call police. That is another story.
3.Usually you have to inform companies which you signed preauthrized bill by yourself. If you close a bank account but do not inform them, they can not get the money with your preauthrized signature, they may have right to sue you. This will give you very bad credit history.
4. Do not ask your bank or credit company to reject any payment, even they can do so, they will still leave a record which MAY effect your credit later.
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