"Well, I wrote to the insurance commissioner for Pennsylvania, I wrote my senator, assemblyman, and representative."
Jo Ann says to no avail so she turned to Call for Action.
"And by 5:30 that same day I had a call from a man at Aetna who made sure that these were all paid within 10 days and they were."
So far this year, CFA has recovered more than $426,000 in refunds, goods, and services.
"And you really get help."
If you need help call 1-866-978-4232, Call for Action is open weekdays 11:00 a.m. to 1:00 p.m.
And to volunteer for Call for Action call 215-581-5745 you'll only need to give a few hours, one day a week.
Good news as it starts to get colder heating oil prices are barely half what they were this time last year and a spike in prices is not expected.
The Energy Information Administration says heating oil inventories are above average and hurricane activity has not disrupted production.
The agency projects the average cost of heating oil will be up to $2.71 per gallon this winter.
Heating costs for natural gas, electric heat and propane are expected to drop as well.
Sam's Club has a new, free technical support service for electronics.
Staff will answer member questions about installation, set up, and trouble-shooting even for items that weren't bought at Sam's Club.
However, the retailer is launching a tighter return policy on electronics, items bought starting November 1st must be returned in 90 days.
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