MBNA America Bank, N.A. is a rip-off! They would not credit my account when I purchased a product that was a fraudulent tax schem. Wilmington Delaware

My father died in 1997. My mother, who lived in Ohio, was beginning to suffer from senile dementia.

MBNA issued my senile mother a credit card. Then someone telephoned her one day and said they needed her card number to verify some information. My mother gave out that information. Next thing we know there are several charges totaling almost $15,000 and all were from some lottery scam based on the Caribbean island of Nevis-St. Kitts. That nation's primary product is financial fraud.

I discovered this only several months later when we put my mother into a nursing home in Arizona. I contact MBNA and their response was basically, "the period to dispute the charge has passed."

As my mother's attorney-in-fact, I have no duty to pay any of her bills I choose not to pay. So I refused to pay MBNA.

More than six years and about a dozen collection agencies later, MBNA now claims that my mother owes nearly $30,000.

My mother is in a state-licensed home and cannot be served if they were to sue. I have no obligation to assist MBNA in their efforts. They had the opportunity to end this in 1998 by reversing the fraudulent transactions but they did not do so.

All the credit cards I have ever done business with have a policy that allows the consumer to have charges disputed. The credit card company will usually investigate the charges when a consumer disputes them for validity. It sounds to me like MBNA doesn't want to investigate. In other words they apparently have no respect for the consumer, it's not "buyer's remorse" as you erroniously stated.

As an ex-employee of MBNA I could say many negative things about the company...but this is not one of them. You made the purchase. If you want to cancel it, you need to call the company you purchased from-MBNA isn't responsible for fixing your "Buyer's Remorse" mistakes.

MBNA could not treat the charge as fraudulent, either, which you seemed to want them to do, since you yourself said you made the charge-that automatically means it is not fraudulent.

Cancellations of orders need to be done through the company you placed the order with-would you call the US Mint to get your money back from a cash purchase you regretted making?
Surely, with a federal investigation going on, there were other means by which to get your money back-was there no class action suit or agency you could call?

MBNA gave the bad company $ on your behalf and billed you. Now you want MBNA to give the same amount back to you?
I'm sorry you went through the loss of money, but it's not MBNA's responsibility.