Xlibris Will not give me back my refund Bloomington Indiana

Xlibris publishing company will not refund me back my money. I asked for a refund because I felt all they was thinking about was money. I informed them that I was using my card from work and had lost my job and therefore it doesnt no longer work but they insist on keep trying it. I also wanted my money back when I read all the negative reviews. The lady ther name Erica Twain gave me this lame excuse about the agreement that I signed stating that there was a nonrefundable fee because the card was decline and that the about of money I sent them was the agreement if I didnt follow through was just enough for their fees. I sent them $196.00. and in the agreement it states that it will be a non refundable fee for $30.00 if I would ask for a refund. It makes no sense to me. She couldnt even explain it herself. They took almost $200.00 from me. Now I'm left with no money or no book published. I dont think it's right for them to take all my money like that. These people needs to be put out of business.