Demand to see a proof of purchase and don't accept less than a full refund!"I saw that a credit protection charge of around $58 - $65 had been applied to my bills," Cayne. "I don't remember seeing the charge so I called and asked for confirmation that I had ordered this service. The woman said I'd ordered it by phone. I asked for a record of the phone call, she said it was probably erased by now. I said I wanted to file a complaint. She said if I dropped the investigation, she'd credit my account two months. If I continued, with scant hope of winning my case, I would not be reimbursed. I just took the reimbursement for two months and am out $600, plus any interest I paid on that money.

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