Business ProfileforInCharge Debt Solutions

I spoke to someone at InCharge on 3/13/24 regarding a credit card I have with Chase that has a high balance and a high interest rate. We spoke about InCharge possibly taking over the credit card account and how I could pay InCharge a monthly amount instead of Chase at a lower interest rate. At the end of the call I was informed that I needed to sign, date and email or fax back a form so that InCharge could speak to Chase about them taking over my account. After I hung up, I thought that it was not in my best interest to do business with InCharge, so I did NOT sign/date nor return the form to InCharge. A couple of days later I noticed that InCharge debited my checking account. I called ***** immediately (claim #*** 936 213 390 001) on 3/15/24 and told them all the above information and that I would like the charges reversed and I would like to make it so that this company could not debit my checking account again. ***** did reverse the debit, so I figured it was all done. Last night (3/21/24) I went to use my credit card and it didn't work, I went to Chase.com and I noticed that my account was closed because InCharge closed it ... even without my written permission. I was told by InCharge that they could not even talk to ***** without me signing that form (which as stated above, I did not sign/date nor return), so I don't know how they were able to debit my checking account or how they were able to close my Chase account. I spoke to three different people at ***** today (3/22/24) and the third person I spoke to (**** ID #******** told me that I would have to speak to InCharge to figure out if I could cancel the contract. I explained that I do not have a contract because I never signed anything ... but ***** does not seem to be able to help me any further. I also do not want to speak with InCharge directly as I believe they are defrauding me and do not want them to try to make me say something that is not true. I am attaching the Creditor Authorization Form from InCharge that I did not sign so that you can see it.