Motorplus and Planplus Insurances review: unauthorized charges 1

My mom has been a Jcpenney account member since 2005. recently she complain about her balance in her account staying the same and she was making payments on time. We find out she was being charged for motorplus and planplus insurances in her jcpenney bill since 2006. She never authorized these charges and she did not know they were charging her for this. She does not know how to read, so she pay about more than $1000 all these years for nothing, something she never need and used. The first time we called this Stonebridge company they could not find my moms information and didn't even had my moms phone number. They told my mom all they could give her back was up to 4 months of money. $64 dollars is all they gave her back until now. We called them again and the lady that answered was not very kind to us she told my mom how can somebody not know what they are paying for all these years. She said it was not their fault since my mom never call and cancelled these insurances . My mom has a reading problem. Why is my mom's responsiblity? She never asked for these insurances all she did was to open an account with JCP store in 2005. The woman told my mom she had to write a letter to them if she wanted to open an investigation. We already send the letter 2 weeks ago to Customer service in 2700 West Plano Parkway, Plano, TX 75075.My mom says she remembers somebody calling her along time ago asking her if she was interested in these services. My mom told them clearly No she did not need those things. Why would she need a motorplus insurance if she did not had a car and neither a drivers license and her husband has medical insurance for both of them. She never authorized these services, why would they do this? We called JCP and ask them to help us with this and all they said was to called the stonebridge company since they were the ones putting these charges in her JCP card. We have not heard anything back yet and i doubt they will write back. Can somebody help us and give us advices what can we do. Is there nothing to do about this. We wish they would give her all her money back. Please help us. Thank you