Messed Up Account Status

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I did it again. I used my debit card to pay for one of Disney book special deals and my checking account is messed up. I was doing offers on InBoxDollars and decided to sign up for a Disney book deal so that I could make it to payout and get my great-nephew a nice gift for his coming birthday in March. I thought it was a smart idea to kill two birds with one stone. It backfired. I little while after I did the application, I recieved a letter from the Disney Movie Club. They said that since I was a member of their club, I could not be a member of both and they would refund my money. At the time, the charge was still pending and then it dropped off. I figured that was the end of it, so I spent the money. Today, I just happen to go to my account to check my balance and it was zero. I panicked. Surely, there was nothing that I had forgotten about. Come to find out, Disney had took the money. When I called them, they said the books were on the way. But, that does nothing to put my money that was left over back in my account. Nor does it stop me from receiving an overdraft fee. Which they claimed they were going to pay. So I called my bank to do a disbute resolution investigation. I will not be getting my money returned to me until that is over. GEEERRRRR, I am so upset, but what can I do. I sure hope that I have learned my lesson this time.