WDAY: The News Leader

Published December 06, 2010, 08:44 AM

Dent, MN man dealing with unexpected charge on his credit card

(WDAY TV) - Minnesota's attorney general has filed a lawsuit against credit card giant Discover. The suit claims customers were charged for programs such as wallet protection and payment protection, but failed to get the O-K from customers.

A Discover spokesman declined to comment on the lawsuit, but he says the protection gives many customers peace of mind from things like identity theft and their credit scores.

A local Dent man got that unexpected charge on his credit card. Almost one-thousand dollars on his Discover card without him knowing and it was put on their by the credit card company.

It wasn't until Delbert Engler got a call from the Minnesota Attorney General's office that he knew about the 938-dollar unauthorized payment. He didn't notice the charge because he'd just been making monthly payments on his card, which was maxed out from helping his son who recently needed legal help. Now, he's left with the exorbitant bill.

26-year night postal worker Delbert Engler vaguely remembers getting that phone call one night last spring.

ENGLER: "She said, 'I have a recording of your phone conversation with Discover Card,' and I said, 'Oh really?!' "

The person on the other end was from Discover credit card, speaking in broken English. Hanging up on the caller, he thought nothing of it, until now.

ENGLER: "People charging people for these insurance plans they don't even know they got."

People like Engler didn't agree to it. He and his wife put in long hours to provide for their family and then get this shocking news.

ENGLER: "We're working for every dollar we can make to keep our family going and then you got credit card companies all over that can charge this kind of interest rate!"

He's only had the card for a couple years and says it's surprising that the company didn't even mail him an agreement to sign. After all this, he'll be taking a closer look at each statement.

ENGLER: “How many people are, like, in my same position."

Until any resolution comes, Engler still has to pay the more than 900 dollars, plus interest. Engler was not given a timeline of if or when the Attorney General's office will be able to get his money back, but he's hoping it will come soon.