MBNA Credit Card collection agency credit report returned item Nationwide

My wife bought an electric - assisted stand-up scooter for my daughter to help her with her commute to University. We charged the scooter as per instruction for over 8 hours. After that the scooter provided power assist for 20 seconds and quit. Recharging it a couple of more times produced the same result.

My wife returned the scooter. The company that sold it to her refused to take it back. She left it with them anyway and filed a complaint with MBNA, the issuer of the credit card she used to pay for the item. MBNA did nothing to investigate this fraud and did not go after the company to reverse this fraudulent transaction, instead it sent the credit card bill to a collection agency who is now telling us there is nothing we can do but pay the bill or have the non-payment registered on our credit report. The lady at the collection agency is not allowed to stop dunning us about this nor can she bounce the matter back to MBNA. She also says that based on her past experience with MBNA, they will just ignore us and let the normal collection procedures proceed.

It turns out the company that sold the scooter is a fly by night outfit operating under different names so there is no point pursuing it further, but MBNA is masquerading as a legitimate multinational business and needs to be held to higher standards.

Ullrich
Surrey, British Columbia
Canada