When I had Allstate Insurance, I was offered the chance to join the Allstate Motor Club. I had to request my membership materials multiple times and never received them, which meant that I had no information on how to use the service.
By the time I was fed up, I switched all my coverage over to State Farm. Since I had never signed anything for the Motor Club and never received membership materials or benefits, I did not think to cancel that membership separately from my insurance.
Had I not been going through a divorce, working full time, finishing my bachelor's degree and raising an infant, I might have noticed much earlier that I was still being charged. But as things went, I did not see that money was still being deducted from my account every month until four or five months after the switch. Frustrated, but not unreasonable, I called customer service for a refund.
First it took forever for them to believe that I really did not know my membership number, because I had never received membership materials (!!!). Then they offered to refund a prorated portion of the current month only, saying that they were not affiliated with Allstate Insurance and could not have inferred that I would want my service cancelled after cancelling my insurance policy.
I believe that given the complete lack of paperwork, evidence and services rendered, I was entitled to more of a refund, and perhaps even an apology. I will certainly never do business with them again.
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