What form of financial network allows a random company to take money from people without any authorization or interaction on their part? If the employees had s

What form of financial network allows a random company to take money from people without any authorization or interaction on their part? If the employees had somehow set up whatever the USA calls a direct debit, then sure, I can see a reason for this to happen. But through mistake or malice they are still able to dip into peoples account - that's the real issue here, surely?