Guayaquil Bank deducted me $2.71 (a kind of insurance but don´t know the name) every month without my permission. I already had more than $77 deducted when I found out. It didn’t continue to deduct the deductions after I complained last year, but the money deducted before has not been returned to me. I went to the bank several times and the staff said that it can be refunded, but so far there is no refund. Has anyone encountered such a situation before? And has any good suggestions to solve this irritating thing?