ACH return fee?
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Apparently they made 4 attempts to take money from your bank accout so your bank changes a $20 non-sufficient-funds fee for each one, creating a negative $80. You would need to ask you bank if they cold waive the NSF fee; they sometimes do that for the very best bank customers.
I don't know what the subscription charges really were; you didn't explain them well.
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The NSF from your bank is a bank fee; it doesn't get passed on to anyone. You should only see those 4 charges in your bank account.
What are the specific transactions in you PayPal account?
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Is 19.99 from Ancestry a recurring monthly charge?
Why did you sign up if there is not enough money in your accounts?

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