The term "Charges" refers to a criminal action, which you as an individual cannot bring. If you believe that their action was a deliberate attempt to defraud you, then you can report them to the police. If the police agree that there's a case, then they will forward the complaint to the DA. Decisions as to whether or not to bring charges are entirely up to him.
If they improperly took money out of your account then you can sue them for your damages. You don't need a lawyer - you can do that in small claims court where lawyers are not needed (and in many States aren't even allowed)
The amount you can sue for is the amount you are actually out, plus your court costs and service fees.
If you owed them $200 and they withdrew $300 then you can sue for the $100 they shouldn't have taken out. If you owed them $300 and they took $300 then you haven't lost anything, and have no grounds for a suit, unless you had demonstrable incidental damages.
This means, for example, that by taking the money out of your account without your permission, they caused your account to drop to a level that meant that other checks you had written bounced, or you incurred a late fee because you couldn't pay another bill since they had taken the money.