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MBNA Credit Protection Plan

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Kenneth of San Diego CA (2/25/04):
After receiving my MasterCard statement (closing date 11/08/2001) I noticed a very high charge for credit card protection (insurance) for $100.99. I immediately called the 800 number and talked to representative Misty on 12/24/2001 at 6:00 PM PST. I asked what this was and after learning the information indicated that I did want this service any longer, credit these costs to my account and to immediately cancel it. She assured me that this was taken care of.

Recently, I was going through my statements and discoved this charge again on my statement (closing date 2/9/2004), for $45.80 this time. In going back through all my statements I have found that this credit protection was stopped in January 2002, following two charges for $100.99 (that I was not credited for) and $103.34. No charges appeared on my statement for 11 months, and then in December 2002 these same charges started again, and have been every month since. To date I have a total of $617.55 worth of credit protection service that I cancelled on 12/24/2001.

On 2/21/04 I called MBNA again and talked to Jean. After telling her my problem she advised me that MBNA offers the credit protection as a service but another company handles this, and that is who I should contact (877-406-3742, M-F 8 am to 7 pm EST). Today (2/25/04) I called this company and explained the situation to Felicia. After requesting the refunding of my $617.55, she offered me $25 as a valued customer, to basically go away.

When I rejected the offer she turned me over to her supervisor (Joanne - Account Supervisor). I explained the same situation to her and she at first offered me $45 as a valued customer, to basically go away. After I told her that it took 2 months to get the service removed (for 11 months) and magically appeared again in December 2002, she said that there was no record of me having this service before 11/23/2002. She said I enrolled for the service by telephone on that date. I told her that this was impossible.

Why would I sign up for a service that I cancelled a year earlier. At this point she indicated that she could have an investigation done on this to ensure that the solicitation was properly authorized, and would take 20 business days. I told her to proceed with this (however, I do not believe that this will show anything). I also advised her again to immediately cancel this service and to make a not in my record to take me off of the soliciatation list. She confirmed to me that this would be done.

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