Can I Sue A Company For Unauthorized Reoccurring Payments?

Hello,

My location: Minnesota.

I am wondering if I can sue a company for taking monthly payments out of my bank that I did not authorize. I will try to keep this as short and to the point as possible!

I had this monthly subscription with this company for a few years, but one day when I got a new phone, I could not log myself back in to this account because I forgot the password. The only option it gave to recover or reset was to send a link via email. Well, I made the account with a student email from when I was in college. I no longer have access to said email as I’ve been out of school for years. No problem- I make a new account with my personal email. That student account was paid as an annual fee and my card was set to expire so I wasn’t concerned about not being able to take my card off of that account. This was approximately 4-5 years ago.

Last month, I just happened to notice the same exact charge from this company twice that month so I called to report the problem. The company basically told me I was wrong and their records indicate they only received one payment. Fast forward to a few days ago, and again, the same exact dollar amount charged twice by this company. So after a lot of brainstorming, it dawned on me that they must somehow someway be charging me monthly for my personal and student accounts. But how? I can’t even log into my old account and I’ve had at least 2 new debit cards since I first got locked out.

So I call the company again on Sunday, and explain what I think is happening, albeit I don’t know how since there’s zero chance I logged into the student one and attached my card to that account because I literally cannot get signed in. The first 100% acknowledged that they were charging me for both and said I have two subscriptions. When I explained why that can’t be since I can’t access the one to add a card to, he gaslit me and told me that I had to have. Then he said it’s because my phone number links both of my accounts together therefore it added my card to both accounts. Also not true, because there’s a feature on the website that allows you to search for your account via phone number and it only populates one account- not both. This turned into an argument and he hung up on me.

A little later, I called again and asked for a supervisor. She would not transfer me but asked how she can help. So I explain again. Eventually she starts apologizing and offers to refund me for four months. They have somehow been taking money for four years. She says sorry but 4 months is the most they can refund for. Finally gets me to a supervisor. I repeat myself yet again. He asked for my phone number for the second account I’m referring to- but wait didn’t the first guy swear my number was linked to both and that’s why I’m being double charged? No? So how did you get my year old card number onto an account I haven’t had access to in at least 4 years? I’m still waiting for an explanation. Because in the end the supervisor also just apologized and apologized but said he could reimburse me up to 8 months. I threatened to sue. He said he can do 12 months of refunds but then needs to escalate the situation so they can investigate the matter and go from there.

Not complaining about how quickly some of the money came back because it was quite literally back into my checking account in less than 24 hours. Never in my life have I received my money back that quickly on a refund. However, it was also only 9 months of payments- not 12- plus an additional refund in a completely different amount. So were purchases secretly being made under the account I have no access to??? And yes shame on me for not realizing until YEARS later. I’m kicking myself because I’m usually better than this but it’s such an obscure amount that it easily goes unnoticed when you shop as much as I do.

So, with all of that being said, is this something I can and/or should spend an obnoxious amount of time pursuing legal action because I cannot for the life of me wrap my head around how they could have done this to begin with, try to gaslight me, finally admit it but with zero explanation and then only give me a portion of the refund they promised???

Pleas help! Sorry- so much for keeping it short haha