Business ProfileforAAA - the Auto Club Group

On 5/31/21, I purchased a one-year membership to (Tennessee) AAA in the amount of $68. The sole purpose of this purchase was so that I could assist my mom in towing her vehicle 2 miles for auto repairs. On 5/31/24, I noticed an unauthorized charge of $105 made by AAA on my debit card. I searched my bank records; discovered that AAA also made two other unauthorized charges (for a total of three unauthorized charges) on my debit card; $91 on 5/31/22 and $101 on 5/31/23 (totaling $297 in unauthorized charges). I immediately contacted my bank to report the charges. They asked me to contact AAA to see if they would issue a refund; they also asked me to contact them back (afterwards) to let them know what AAA stated. I called AAA, and they said that they would refund me $105 for the 5/31/24 charge, but that it was too late to do anything about the other unauthorized charges (2022 and 2023). I called my bank and relayed this info. Days later (6/5/24), my bank credited my account $101 for the 2023 unauthorized payment. Earlier today (6/21), I called AAA to inquire as to when they would credit the $105 to my account (like they promised on 5/31). First their CSR said: "My supervisor said that we paid you $101 on 6/5." After I pointed out that the $101 was for 2023 and their promise was for $105 stolen on 5/31/24, the CSR said: "My supervisor now says that we will not fulfill our promise to repay the $105 (2024) b/c you reported what happened." I called my bank to let them know what AAA told me (today), and they said that the claim was closed; that I wouldn't receive the $105 (2024) because of a law that only makes unauthorized payments generated within 60 days from the first eligible (to be refunded) unauthorized payment refundable. The banks have lobbied for laws that enable companies (like AAA) to commit fraud upon their customers. I seek between $105-$196 in restitution. I also ask for groups like BBB to lobby for stronger protections from this type of fraud.