Complaint Review: American Family Insurance

My experience started on Oct. 30, 2013 I went in to American Familt Insurance agency where I ask if I could purchase liability insurance for my cleaning company, I was told that it would cost me 151.00 down to start and I wouldn't get another bill until febuary 2014 (3 months) so I made the down payment with my bank card, the next day I called back to the same office and ask if I could purchase Workers comp Ins. they told me yes and called me back with a quote of 661.00 down and I wouldn't receive another payment untill Febuary 2013 so I made the down payment by phone from my credit card, a week I checked my bank account and they had taken out 301.00 for my liability insurance when i had only authorize 151.00 so I phone the office and they told me that the billing department had made a mistake and they were going to credit my account back and bill me for the 151.00 they  did but they nver billed me. In december 2013 I found out through American Family Insurance that if I did'nt have emplyees I would not be eligable for worker comp insurance so they were going to refund my money back to me so at that point I decided to cancell my liability as well  after waitng and never receiving my workers comp money back from them I called them back and they informed me I needed to send them in writing that I was going to cancell my worker comp because I was not informed from them about the emplyee policy, all of this was done January 10 and I have not received my money from them, they have given me the runaround since that time, every time I call them each department tell me something different I have heard everything from it was mailed to I cah the check already to no we stopped the check because you never paid us for your liability insurance, that I ony had for 2 months. this company is bogus and I advise everyone to stay away from them they are out to rip people off, YOU HAVE BEEN WARNED!!!!!!!!!