I have paid my Sam's Discover card on time for years, never questioning charges. I was laid off and had to go on their Program B /reduced payments for 6 mos. I began looking over my billing charges and discovered that since 2007 I have been being charged $58.63 MONTHLY for their added on "Security Protection Plan" - which I did not authorize. I immediately asked the representative about this charge and she said you need to call 1-800-644-6520 and asked for this to be cancelled. I told her: "I didn't ask for this plan and I did not authorize it". She informed me that she had nothing to do with this and it's a separate company from G E MONEY which is SAM'S CLUB/DISCOVER Credit Card. I can't believe they have been adding $58.63 to my bill MONTHLY! I called the 800 number and cancelled this and I told the person I spoke with that I never authorized this and wanted a refund all the way back to 2007. He said "when you ACTIVATED your card this was included in the activation". I said "I want this cancelled and I want a refund". He told me that they would not refund all the way back 2007 but that they would cancel it immediately. I want to know what I can do to get this fully refunded? I am very very upset about this; that's a lot of money that I feel they have stolen from me. Do I have the right to deduct this from my bill and not pay it?