Business ProfileforSquare One Insurance Services

In September, I started contacting insurance companies, getting quotes on my house insurance. My current policy expired on Nov. 11 and I was trying to save money. Their quote seemed good and I must have supplied them with my credit card. I do not remember giving them this info. However, I believe they did a credit search, which may have released this info to them. After contacting them and telling them verbally that I wanted to sign a policy, effective Nov. 11, they informed me that I would get three emails in the next few days. To make sure that I read them and contacted them if I had any questions. After reading them, I realized that my coverage wasn't enough and contacted them to make the changes. They informed me that I needed to get some appraisals done *(which I would have to pay for), and I said I would take care of that in order to increase the coverage. After a few days, I changed my mind and contacted them to ask them to cancel the pending policy. They said they would and I thought we were done. When my next credit card statement arrived, I noticed a charge from Square One. I contacted them and asked for a refund. I was told that they would be only giving me back part of the money as the rest was a non-refundable admin fee (for a policy that never really was completed or agreed upon). This is totally theft! I never signed anything. I was never told my credit card would be charged ahead of the start date of Nov. 11. I was never told there was an admin fee that was non-refundable. And I probably was never getting any money back, except that I discovered it on my statement. Many emails later, the same response. We plan on keeping my money! How this company has existed this long is unbelievable to me. They are carrying on illegal practices of stealing money. I will never trust them with my insurance in the future. I should have read the online reviews first.