Follow us on Twitter
for the latest Class Action Settlement News!
The case is Diana M. Elinich v. Discover Bank, et al., U.S. District court, Eastern District of Pennsylvania.
Discover Fake Credit Card Agreement Class Action Lawsuit
By Kimberly Mirando
Discover Bank has been hit with a federal RICO class action lawsuit accusing the lender of using bogus credit card “agreements,” which are dated and issued after the date consumers opened their credit cards, in order to collect credit card debt from consumers who go into default.
Lead Plaintiff Diana Elinich says in the class action lawsuit that she opened a Discover credit card in 1999, but when she went into default, the bank tried to use a “cardmember agreement” dated 2011 to sue her, claiming that was her contract.
“The 2011 cardmember agreement is not an amendment or a modification, but an original customer agreement,” the class action lawsuit states.
“It is clearly impossible for a contract dated after the date of the credit card issuance to act as the governing agreement between the parties.”
Despite this fact, Discover ordered “all of their collection attorneys throughout the United States of America to use the false contracts as the governing contracts for credit card holders who are the subject of collection efforts,” the class action lawsuit states.
The Discover class action lawsuit claims Discover conspired with its collectors to attach false or “otherwise irrelevant documentation as exhibits” to collection lawsuits, to intimidate unsophisticated consumers who assume that an alleged creditor is presenting them with proper paperwork.
The Discover debt collection class action lawsuit is brought on behalf of anyone who has been named a defendant in a collection lawsuit brought by/or for and on behalf of Discover, for which the Defendants attached as evidence a bogus Cardmember Agreement or Customer Agreement like the one described above.
The lawsuit is seeking damages for RICO violations, violations of the Fair Debit Collection Practices Act, deceptive trade, and state consumer-protection law.
A copy of the Discover Fake Credit Card Agreement Class Action Lawsuit
can be read here
Updated March 14th, 2012
All class action and lawsuit news updates are listed in the Lawsuit News section of Top Class Actions
©2008 – 2010 Top Class Actions® LLC
Various Trademarks held by their respective owners.
Please note: Top Class Actions is not a settlement administrator or law firm. Top Class Actions is a legal news source that reports on class action lawsuits, class action settlements, drug injury lawsuits and product liability lawsuits. Top Class Actions does not process claims and we cannot advise you on the status of any class action settlement claim. You must contact the settlement administrator or your attorney for any updates regarding your claim status, claim form or questions about when payments are expected to be mailed out.
View all: Class Action Lawsuit and Settlement News