affinion benefit group affinion benefit group suddenle bill to Bank of America visa $49.50 on jan ,according to the bank, Affinion benefit group bill my members. nasville Tennessee

suddendly I got a bill from Bank of America visa bill me $49.50 on jan/2014 under AD&D INS .I call Bof A disputed the transaction which they charge me memership ID from AD&D insurance. When I call AD&D, they don't have my insurance statement exist.  I remember I dropped all Accident death insurance from different insurances since I find out all accident death Insurances are scamed five years ago (before 2010). If i have Accident death, I must pay every month. This AD&D Insurance didn't bill me any every month, now suddenly bill me at the beginning of the year. then they let me talked to supervisor of AD&D insurance. She promise send me back the refund within 10 days.