United Rewars illegal debits

got a call to apply for a credit cards and was offered united rewards and phone vaults as value added services. i clarified with the agent if the credit card application had anything to do with these two value added services to which she clearly said no. I was interested in the services and the agent started rambling off the terms and conditions requesting me to verbalize on each point if i agree. About halfway through I had to stop her and request that these terms and conditions rather be sent to me. as i am not understanding them and could not agree. she said she would send them to me via email which i have been looking out for . Today i recieved a notice that the subscriptions has been deducted from my bank i immediately called the help number and the agent said she would gladly cancel my subscription but could not refund my money. I requested a supervisor and she said she would send it to the supervisor who will investigate and get back to me after i was adamant that i cannot be charged when i havent agreed to the terms and conditions and demand a refund. Complaint reference# 7281668