Affiliate Marketing Secrets

i noticed that i was being charged $12.99 every month for some service called “wells fargo purchase shield” that i was later told that i agreed to when i activated my card several months earlier. then found out that it wasnt even a wells fargo service, but was supposedly some sort of business affiliate of theirs.
when i called them, i canceled my membership of their “insurance program”, and demanded a refund – the phone representative told me i would have to email review@cppna.com in order to get a full refund, but assured me that she refunded the previous charge on my account from that month and that my membership was canceled and i would not receive anymore charges. i then emailed this shady review board requesting a total refund and got an automatic email saying i would get my response within 10-12 days…instead, here’s what happened:
-i waited almost 3 weeks and got no response
-i looked at my statements online and battled them on the phone a few more times only to find out that they never gave me credit back for the previous month like i was told, and they actually waited 2 weeks to cancel my membership until the 19th, which just so happens to be the day that they charge me every month! so they never gave me credit for a single charge back, and then even charged me for the next month on top of that, and then finally canceled my membership later that billing day. also, half of the time i would call them they would say they couldnt even find me in their system so there was nothing they could do, and of course a lot of them barely spoke english. this is just some of the hassle and BS and lies i went through.
so i emailed…again…explaining some of what had happened and demanded a full refund or else i would be very happy to pursue legal action. 2 days later i got an email saying, among other things, that i would receive additional credits totaling $77.94. (i saw that they credited back the last charge of $12.99 from the last time i was on the phone with them, and i plan on canceling my credit card as soon as i get the rest of the credit back)
anyway, i googled them and didnt find much. how is this company (and wells fargo bank) getting away with this kind of thing? how much do companies like this pay wells fargo to dupe their customers into their scams? are there any actions you would take if you were me?