Rooms to go GEMoney Debt Security No interest, no payments til 2012, however, I've been getting billed for Debt Security+ which i declined at the showroom! San Antonio, Texas

In Feb 2010, I bought furniture from Rooms To Go.  At the time, they had a "No interest, no payments til Jan 2012" deal going on.  I purchased a living room set.  I declined the insurance, as I always do, knowing very well that 1) it is a ripoff, and 2) I have home/life insurance, so I'm already covered.  Approx Mar-Apr 2010, I called Rooms to Go asking why I was getting charged approx $30 for Credits, Fee & Adjustments.  I was told that I was on the No Interest, no payment plan, so i assumed that it was probably an accrueing interest that I would have to pay IF I did not fully pay for the furniture on time.  I was familiar with this, as Roomstore Furniture did this to show the customer the additional money they would have to pay if they were late.  Fast forward to 27 Mar 2011, I just realized I've been getting charged 30+ dollars for an insurance that I declined to have 13 months prior!  I called GEMoney, they referred me to DEbt Security+.  DebtSecurity+ claims that since I did not call within 30 days, they will have to get approval to see IF I can get approved to get my refund.  Rooms to Go claims they have no part in the matter!  I'm to wait at least 5 business days for a call to see if I get my refund or not.  So far, I've seen at least one other complaint similiar to mine on this website.