Mondial USA Allianz Group, Access America charged my account 15.67 but never provided the policy # Richmond, Virginia

Allianz Group owns Mondial USA which provides travel Insurance through Access America.com   Access America partners with CheapTickets to sell travel Insurance.

MY ISSUE
In my opinion this is a ripoff because I did not receive the insurance policy that I ordered.   Now I don't want the insurance policy because I don't trust them.  Access America charged my account and did not give me a policy number.  My reasoning is that If Access America cannot find the policy number, then how will they handle a claim.   I just want my money back: $15.67.

I am getting the runaround and no feedback.   How can a company get away with charging my account and then tell me that they don't have a record of the transaction.   My guess is that they have inadequate Information Systems.

DETAILS
On March 3rd 2010 I purcased an Airline ticket through Cheap tickets dot com and I decided purchase the insurance.   The insurance was charged separately to my Primary Bank account in the Amount of $15.67.   The Cheap tickets check out screen advised me that I would receive a separate email with my policy#, but I never received the policy number. 

I called Access America (800-729-6021) on two separate occasions and spoke with two separate representatives.   Each Access America representative searched for my policy number by Name, Phone# and Credit Card #.  Both times I was told that they cannot find a policy number for me and each representative concluded that Access America could not have charged my account.   I must be mistaken.   This is a challenge.   I have proof on my bank account.   (note - yes, I sent them the screenshot).

I was advised to eMail salessupport@accessamerica.com and I did.   I received an eMail from Tonya D telling me that they could not find my policy number.   I provided my credit card number to Tonya and asked that my money be refunded.   She emailed me (3/9/2010) and said she would take care of the situation.  She said to wait 48 hours.   I am now filing this report on 3/12/2010. 


CONCLUSION
Be very careful about purchasing Travel insurance on-line with Access America.