Hertz Hertz Rent a Car Charged my Credit Card without agreement or authorization. Tried to force me into buying insurance Internet, Nationwide

I  was  going to rent a  car from them  and their   CSR  wanted  to  force  me  into  an  insurance  contract  saying  that  the  system would  not  allow  him  to   take  the  additional  $ 10,-  per day  off.  This  was  after  he  had  entered  my  credit  card  information  and  after  he  had  put  a  charge  of  $ 385,-  onto my  card.   I  did not  sign  the  agreement  and  told  him  that  I  would  get  a  car  from  a competitor.   I  went  to  Avis  and  their  agreement  explicitly  says:  "Renters  are  not  required  to purchase loss damage waiver (LDW).  It  is  not  mandatory.  Before  purchasing LDW,  Renter  should  check  if  own insurance covers damage to and loss of  the  car"

The  next  day   I  saw the  charge  on  my  credit  card  and  went  back  to Hertz  to  ask  the  guy  how  he  could  charge  my  card  without  any  agreement.  His  answer  was  that  Hertz  always  does  it  like  that,  charging  the  credit  card  before  the  customer  has  a  chance  to  see  the  agreement  and  to  sign  it.   He  told  me  "You  have  to make   that  out  with  your  credit  card  company..."

I  never  signed  any  agreement  and  never  authorized  Hertz  to  charge  my  credit  card.  Their  employee  did  not  even  tell  me  "I  am going  to  charge  your  card  in  the  amount  of  $ xxxx .  I  was  not  even  aware  of  the  amount  of  $ 385,-  before  I  saw  the  charge  when  I  went  online  into  my  banking  account.   I  did  not  get  a  credit  card  slip  either.  What  kind  of  company  is  that -  I  always  thought that  Hertz had  a  certain  reputation   ?????