Discover Credit Card Complaint

Discover Credit card department,

Billing disputes Illinois

I was either solicited via phone or contacted through online ad. I 'm not sure how I got in contact with the corporation originally, but the first thing they offered to do for me was to write a Business plan including the following : 1 ) A company summary including a description of my business, 2 ) Provide a target marketing strategy - with industry association analysis - and help with product selection ; and demographics ; 3 ) Provide a break even analysis. They would also provide a financial plan. This was all included in the initial charge of $6600.00 on -/-/-.The marketing plan was to include product selection and marketing techniques - including search engine optimization and social networking. The next charges for $1900.00 and $2600.00 on -/-/- was to be for building the website and providing legal and tax planning.. It was very confusing because I had thought the original charge was to be for building a website. Why would I need the marketing strategy, etc ... If I did not have a website. Since I had already invested the $6600.00 and had no website, I went ahead with these additional charges. After this it seemed like


help me get all expenses into a business loan instead of my personal credit. They would help with creating the - and would be the registered agent for the -. They were to also create a logo that would help with branding of my business. The next week they called and wanted an additional amount of $5200.00 on -/-/-. This was to provide traffic to my website - including banner ads and domain referral. It was based on my choice of how many visitors I wanted a month and I chose - guaranteed visitors a month for a year. They would also provide website security for my customers and include a consumer trust shield on my website. They also created a merchant account for which I started paying monthly fees. On -/-/- they called again saying I needed a preferred pricing website. They were wanting $1300.00 for this. I paid $300.00 for this, plus a $390.00 merchant application fee, and financed the rest for an additional $ - for - payments beginning on - -. On -/-/- I was again charged $600.00 for upfront monthly fees and financed an additional amount with - -. I think this was for a - - - '' to show me which products were selling good. I 'm not sure what the remaining - charges of $4900.00 on -/-/- and $500.00 on -/-/- were even for. Here I am weeks later, and to my knowledge I still do n't have any income that is residual. They mentioned that my account is active, but I NEVER EVEN put anything on it or seen it. As it turns out this Merchant is in direct contact with - ONLINE. My credit card company states they will not refund my money because it is outside of the - time frame required for a billing dispute, under federal law. Please advise them Under the Federal Truth in Lending Act ( TILA ) and Regulation Z, I have ONE YEAR to file a non-billing error type dispute. This is simply a claim of service not as described which can still be disputed. Please help me advise the credit card company that for this purpose allow they should issue a credit promptly. PLEASE HELP US! Thank you, - -