Discover accepted a charge that was entered erroneously and without authorization after the card was closed and payed off. They were told to not accept any further charges and that no entity was authorized to submit a charge. Nonetheless they accepted a non authorized charge submitted in error from El Paso Fitness.
They created a new card and number and placed the false charge on it. They were informed in writing several times that no card creation was authorized. They were informed that El Paso Fitness was not authorized to charge anything to their card. The specific charge was protested as well as protesting the creation of a refused card. This was done in writing and sent to multiple addresses. They were informed in writing that I declined the card, Declined mediation, Declined and would not agree to any charge or service fee and declined any advertising by phone or any other means.
El Paso Fitness showed them the actual paperwork showing that I had requested a Mastercard be used that was unrelated to my Closed Discover Card. This in itself proved that the charge was in error. They ignored the written proof of their error. The written proof of El Paso Fitness's Error and the Specific request for no further charges to be accepted in my name under any circumstances.
The reason I did not want to do business with tDiscoverCard is because they defaulted on their original advertising to give me sky miles. This advertising is what induced me to accept the original card. They owed me 30,000 sky miles and instead said that they would only give me among various trivial things $300 at "Best Buy". The value of the substituted items was 20% or less of the value of the sky miles. Obviously, I was unhappy with this bait and switch.
After almost 2 years I am still waiting for a response to any of my 5 letters sent to the various addresses and several handwritten notes returned on their billing note.
Instead they started a parade of calls for and also specifically to sell various products. I sent several notes to stop advertising calls and also previously had placed my name on the no call list to all businesses per federal regulations.
They ignored every written contact and instead hammer called my answering machine for months on end with hundreds of demand calls for "their" $ 62.00. Meanwhile they decided to add finance charges and late payment fees as well as yearly card fees until they had racked up around $225.00. That seemed to be the magic number to turn it over to a collection agency.
They have been given a Vernon Act Notice of intent to Sue, but have continued to harass and persue this false claim.
On the other hand they have not repsonded to my Federal Claim of Phone harassment for people who are on the no contact list for advertising. They also have liable cdharges pending for reporting false charges that I have not paid. Since they are false and no service fees, late charges or card charges have ever been aggreed to, reporting this as bad debt seems in my simple mind to be liable (Slander in Writing).
They have not addressed the issue of the Bait and Switch on the sky miles.in Fact, they haven't addressed anything, because they don't respond to any correspondence except the protest of the charge. Unfortunately, they said the written evidence that El Paso Fitness was told to use a speicific Mastercard was somehow proof instead that they were told to use the defunct and closed Discover Card. Try to figure that one out without concluding that it was simply self serving dishonesty.
This case illustrates the brazen arrogance of this huge and apparently greedy company. This situation is one of the rare times that Federal Regulation ought to restrict such huge companies from creating refused cards and ignoring clear and concise correspondence. Eventually they will generate a false credit report if they haven't done that already. They currently owe me thousands of dollars from violations of state and federal law.
Discover Financial services has followed both deceptive and immoral business proactices as well as being a huge bully. I will fight them in court before they ever get a cent from me. They need a good class action suit for a billion dollars to wake them up from their greed induced slumber.
Perry
El Paso, Texas
U.S.A.
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