WC Explore USA located in MN with 800-475-1942 phone number

We started receiving charges on our Discover card from this company in

July of 2006. It started with $1.00 twice in the same month. The next

month it was $16.95 twice. After 6 months, we may have finally stopped

them. Some, but not all, at Discover have been helpful. We are not

certain that this fraud has ceased nor are we certain that Discover will

credit our account. A Discover person at the Ohio zone office told me

the charges must be paid by me because WC Explore had all of the correct

numbers for my account and they could only have received these numbers

from me. It seems that he doesn't know about fraud. A discover person

in Utah recognized that perhaps this was a fraud and promised me that

Discover would ask WC Explore for proof and that when proof was not

supplied, my account would be credited.

After all of this, I expected full credit, but instead, received this

letter from Discover.

Letter dated May 25 from Discover reads:

Thank you for your recent inquiry regarding a charge from DKM Explore

which posted to your Discover (R) Card Account. We have investigated

your inquiry and have been unable to substantiate your claim.

Accordingly, we consider the charge to be valid and it will remain on

your Account. If you have something else in your record to support your

position, please provide it to us as soon as possible. In addition, if

you have not already done so, you may wish to contact the merchant

directly.

We regret any inconvenience this matter may have caused. if you have

any questions, please call us at 1-800-347-2683. Experienced Account

Managers are available to assist you 24 hours a day.

Sincerely,

Cardmember Service

It seems that the fraudulent merchant (WC Explore) doesn't have to

provide proof that their claim is legitimate. Instead, I am being asked

to provide proof that the charge is not legitimate. One person at

Discover's Delaware office even asked me to provide the paperwork from

the transaction. What transaction? I never even heard about this WC

Explore company until they started charging my account.

PS:

A moment ago I called the 800 number for WC Explore and verified that

"my membership has been cancelled". What membership? It seems that WC

Explore will not be charging my account any more, but will Discover

really credit my account for all of the the fraudulent charges?

Gord Reeves

Comment On This

These memberships are established when you 1)make a purchase over the phone from an infomercial, 2)cash a live check you recieved in the mail, 3)make a purchase online w/o reading the fine print or 4)loaning your information to someone and they do one of the above without your knowledge. Membership services does not keep track of the affiliate that offered the membership to you b/c that is not their company; Membership services can only provide information pertaining to the memberships they offer. The membership benefits can only be accessed online and if you wish to cancel then you call the customer service phone number. If you call to cancel, then you are canceled and will not be billed in the future. If you request a refund, then you will show the refund on one of your following 2 statements depending on when your account generates (most callers mistake the refund for another charge).