NO REFUND ON CHARGES I HAD NOT SIGNED UP FOR. NEW INVOICE QUOTATIONS CREATED WITHOUT MY CONSENT

I have been receiving invoice quotation updates when I have not changed my contract. I was previously charged insurance when I had not signed up for it, I have still not been refunded 5 months of insurance which was debited from my account. This is *****ING. I am in desperate need of assistance regarding my account and refund. I have visited stores and called and no one cares to assist.