Avis Car Rental (Employee Lee) deceptive charges for loss damage waiver Kansas City Missouri

I rented a car over the phone with Avis.  I called the 800 and spoke to a representative.  I specifically told her I did not want any extra fees tacked on to the fees.  It was quoted to me on the internet $94.14 for the total charges.  That is what I agreed to pay.  I used a code for USAA FSB customers to get the price to this amount for less than four days.  I used the car for less than 55 hours and put less than 200 miles on it during the duration of my stay in Kansas City. 

I returned the car, only to find out I had been charged an additional $47.96 for "loss damage waiver". I never authorized this charge.  I even told the African American guy at the counter that I had private insurance that would cover me and stated USAA.com.  He knew this.  I'll admit it was late at night when I rented the car.  However, my girlfriend was right there and heard me tell him that I didn't want anything else added to the pre-paid charges.  It says on my paperwork that I authorized the charges, but in fact I did NOT authorize the charges. 

I called customer service and they are telling me that I have to pay these charges and they aren't refunding my money.  This is totally unfair as my witness will also say the same thing I have said about declining all extra charges.  It's a total RipOff!