Dec 272010
 
discover-peggy

___________________________________________________________

ANOTHER CASE OF WTMS—

Dec. 22, 2010

Discover Card Sued for Alleged Deceit

Suit Aims to Get Credit Giant to Refund Customers for Unwanted Card Protections

 [print_link]

  • Discover Card Sued Over Unfair Fees
    Early Show consumer correspondent Susan Koeppen reports on a lawsuit alleging credit card giant, Discover of unfairly charging their customers.

(CBS)  More than 176 million people own at least one credit card. And one of the big giants in the industry is now being sued for allegedly misleading its customers. 

As “Early Show” Consumer Correspondent Susan Koeppen notes, “Experts say credit card companies are trying to make money any way they can. So if you don’t do it already, it’s time to start reading your statements, looking for hidden fees.” 

Koeppen said, “In a country where credit is king, it’s the hidden fees, that get people charged up.” 

Koeppen shared the story of Jill Amundson, of Minneapolis, Minn. Amundson has been a devoted Discover card customer since 1990, but was surprised when she discovered charges for a payment protection plan she never signed up for. 

Amundson said, “I was looking at my Discover bill and happened to see a charge that I haven’t ever noticed before.” 

________________________________

WHY THE MEDIA STINK (WTMS)

COMMENT: If the mainstream media had any integrity and didn’t always put their financial interest ahead of the public interest they are supposed to serve, an item such as this, by a well-known reporter attached to CBS News, would force CBS at least, if not all the networks that carry Discover ads, to suspend such advertising until the company presented credible proof of remedial action. But, alas, in the capitalist world such a thing is a fool’s chimera. In those infrequent occasions (such as this) when the media managers care to expose the blatant crookedness of one of their partners, they still see no contradiction in continuing to run their commercial announcements.  I suppose they’ll grumble that “contracts must be honored”, forgetting that contracts can be drawn with any clauses one cares to include, including one that could clearly stipulate that the media, as trustees for the public interest, reserve the right to suspend the airing of a company’s ads if such company is found to be defrauding the public. Of course in a litigious and amoral capitalist universe such as the American marketplace the introduction of ethical behaviour would collapse the system.

CODA: Accustomed to abusing the public interest in any way it suits its own, Discover apparently has the cheek to shamelessly proclaim its virtue while denouncing that of its competitors.  (See the “Peggy” spot attached below)—P. Greanville

 

________________________________

Two years ago, company telemarketers called her at home to offer financial services for a fee. She declined, and in a phone call obtained by CBS News, she doublechecks she won’t be billed. 

Amundson says in the call, “I want to verify that I’ll fill out paperwork if I want to enroll? You don’t automatically enroll me?” 

A Discover representative replies, “We just want you to review some of the benefits in the privacy of your own home so you can make final decisions there.” 

But she was enrolled, and it took her six months before she noticed $180 in charges. 

Amundson said, “They took what I had said as enrollment, even though I blatantly said, ‘You are not going to auto-enroll me.’” 

But now, Minnesota Attorney General Lori Swanson is taking action. Earlier this month, Swanson filed suit, demanding Discover Card stop misleading consumers and refund fees to customers who were sold unwanted identity theft protection, wallet protection, payment protection and credit score protection. 

Swanson said, “Discover played ‘Gotcha!’ with consumers instead of playing fair.” 

She added, “If they’re going to sell these optional financial products, they should do so through a square deal. Do it fairly, not through fraud.” 

One out of every four households has a Discover credit card. The company earned more than $300 million last year from selling protective financial products — up 37 percent since 2007. 

Adam Levin, chairman and co-founder of Credit.com told CBS News, “All of the financial services institutions are looking for extremely creative ways to increase fees. We’re in the midst of a fee frenzy.” 

Discover is also facing a class-action lawsuit accusing the credit card giant of selling unwanted services to consumers across the country and bilking them, in some cases, out of thousands of dollars. 

Amundson says from now on she’s reading her bill more carefully. 

“I think a lot of people are like myself,” she said. “You get the bill you kinda look, at the total amount, sometimes you scan it, but you might not look at it line item by line item and I think you really need to make sure you’re not missing anything.” 

Koeppen added Amundson was given a full refund by Discover after she complained. In a statement to CBS News, Discover says they don’t comment on pending litigation but they “take any customer complaint seriously” and have “worked with millions of Americans for 25 years to maintain the highest levels of customer satisfaction and loyalty in our industry” 

So how can consumers protect themselves? 

Koeppen advised credit card users to read your credit card statements very carefully — line by line — and feel free to dispute it. 

She said, “Be careful with the words you choose. If you say ‘OK, I’ll think about it,’ the person on the other line might hear ‘OK’ and think you have said ‘Yes, sign me up.’” 

She said, “No affirmative statements.” 

____________

ORIGINAL SOURCE: http://www.cbsnews.com/stories/2010/12/22/earlyshow/contributors/susankoeppen/main7174494.shtml 

Did you like this? Share it:
Dec 272010
 
BobbyLeeB

By Ta-Nehisi Coates

Tolstoy is the Tolstoy of the Zulus

–Ralph Wiley 

[print_link] RELATED ARTICLE: Notes from Atlanta

Ken Burns’ Civil War documentary makes note of the fact that General Lee was opposed to slavery. I basically took that as true, until–in all honesty–some of my commenters informed me that it, in fact, was not. One of the saddest, and yet telling, aspects of the War, for me personally, is that on the two occasions when Confederate troops headed North, they kidnapped free blacks and sold them into slavery. Ditto for black soldiers who were captured and “lucky” enough not to be killed. Anyway, if you have a moment check out this lecture a reader was kind enough to send to me. At about the 55:00 mark, Elizabeth Brown Pryor talks about Lee’s relationship to slavery, and more interestingly, how the myth that he was somehow anti-slavery came to be. 

It was sad to hear frankly. If the war actually weren’t about slavery, I think all our lives would be a lot easier. But as I thought on it, my sadness was stupid. What undergirds all of this alleged honoring of the Confederacy, is a kind of ancestor-worship that isn’t. The Lost Cause is necromancy–it summons the dead and enslaves them to the need of their vainglorious, self-styled descendants. Its greatest crime is how it denies, even in death, the humanity of the very people it claims to venerate. This isn’t about “honoring” the past–it’s about an inability to cope with the present.

The God of History binds the Confederacy in its own chains. From the declaration of secession in Texas

…in this free government *all white men are and of right ought to be entitled to equal civil and political rights* [emphasis in the original]; that the servitude of the African race, as existing in these States, is mutually beneficial to both bond and free, and is abundantly authorized and justified by the experience of mankind, and the revealed will of the Almighty Creator, as recognized by all Christian nations; while the destruction of the existing relations between the two races, as advocated by our sectional enemies, would bring inevitable calamities upon both and desolation upon the fifteen slave-holding states….

To Virginia

The people of Virginia in their ratification of the Constitution of the United States of America, adopted by them in convention on the twenty-fifth day of June, in the year of our Lord one thousand seven hundred and eighty-eight, having declared that the powers granted under said Constitition were derived from the people of the United States and might be resumed whensoever the same should be perverted to their injury and oppression, and the Federal Government having perverted said powers not only to the injury of the people of Virginia, but to the oppression of the Southern slave-holding States.

To Mississippi

….Our position is thoroughly identified with the institution of slavery– the greatest material interest of the world. Its labor supplies the product which constitutes by far the largest and most important portions of commerce of the earth. These products are peculiar to the climate verging on the tropical regions, and by an imperious law of nature, none but the black race can bear exposure to the tropical sun. These products have become necessities of the world, and a blow at slavery is a blow at commerce and civilization. That blow has been long aimed at the institution, and was at the point of reaching its consummation. There was no choice left us but submission to the mandates of abolition, or a dissolution of the Union, whose principles had been subverted to work out our ruin…

To South Carolina

…A geographical line has been drawn across the Union, and all the States north of that line have united in the election of a man to the high office of President of the United States, whose opinions and purposes are hostile to slavery. He is to be entrusted with the administration of the common Government, because he has declared that that “Government cannot endure permanently half slave, half free,” and that the public mind must rest in the belief that slavery is in the course of ultimate extinction. This sectional combination for the submersion of the Constitution, has been aided in some of the States by elevating to citizenship, persons who, by the supreme law of the land, are incapable of becoming citizens; and their votes have been used to inaugurate a new policy, hostile to the South, and destructive of its beliefs and safety.

To the Vice-President of the Confederacy itself…

BELOW RIGHT: A son of the South, Dr. Martin Luther King shaped the South, and America along with it. 

The constitution, it is true, secured every essential guarantee to the institution while it should last, and hence no argument can be justly urged against the constitutional guarantees thus secured, because of the common sentiment of the day. Those ideas, however, were fundamentally wrong. They rested upon the assumption of the equality of races. This was an error. It was a sandy foundation, and the government built upon it fell when the “storm came and the wind blew.” Our new government is founded upon exactly the opposite idea; its foundations are laid, its corner- stone rests, upon the great truth that the negro is not equal to the white man; that slavery subordination to the superior race is his natural and normal condition. This, our new government, is the first, in the history of the world, based upon this great physical, philosophical, and moral truth…

This is about a lancing shame, about that gaping wound in the soul that comes when confronted with the appalling deeds of our forebears. Lost Causers worship their ancestors, in the manner of the abandoned child who brags that his dead-beat father is actually an astronaut, away on a mission of cosmic importance.

I know how this goes. For us, it’s coping with the fact that people who looked like you sold you into slavery. It’s understanding that you come from a place that was on the wrong side of the Gatling gun. It’s feeling not simply like one of history’s losers, but that you had no right to win. The work of the mature intellect is to reconcile oneself to the past without a retreat into fantasy–in either direction. Claiming to be the descendant of kings and queens is just as bad as claiming to be thankful for the slave trade.

It’s weak to manipulate the dead in order to reconcile our present, to force men to play our Gods. Robert E. Lee was a man, and a product of a time and place that turned people into, quite literally, the most valuable resource in this country.  I hate to keep taking it back to David Blight but…

By 1860 there were approximately 4,000,000 slaves in the United States, the second largest slave society–slave population–in the world. The only one larger was Russian serfdom. Brazil was close. But in 1860 American slaves, as a financial asset, were worth approximately three and a half billion dollars–that’s just as property. Three and a half billion dollars was the net worth, roughly, of slaves in 1860. In today’s dollars that would be approximately seventy-five billion dollars. In 1860 slaves as an asset were worth more than all of America’s manufacturing, all of the railroads, all of the productive capacity of the United States put together. Slaves were the single largest, by far, financial asset of property in the entire American economy. The only thing worth more than the slaves in the American economy of the 1850s was the land itself, and no one can really put a dollar value on all of the land of North America.

These were the kind of forces at work in his world, and I’m not convinced we have the intrinsic right to expect someone like Lee to oppose them. Likewise, I may think that it was sinister for people who “looked like me” to sell me into slavery, but that presumes an expectation of racial unity which almost certainly didn’t exist at the time. Again, it summons the dead to do the work that I would shy away from.

I think this boils down to the problem of nationalism, and where we find our heroes. It isn’t like Southerners are devoid of people who were courageous in all aspects. There’s the great Virginian patriot George Henry Robert Thomas, who goes from slave-master in waiting, to leading black troops in brilliant military campaigns in Tennessee, and in his last days defends the rights of freedman. There’s Elizabeth Van Lew, who emancipated all her slaves before the War, and used them as part of a Union spy network in Richmond, the Confederate capital. 

There’s “The Boat-Thief” Robert Smalls, a slave who stole Confederate transport steamer, filled with armaments, and sailed it to Union lines. There’s Andre Callioux, a manumitted slave turned Union soldier, martyred at Port Hudson in a kamikaze-like charge on the Confederate works. And a century later, there’s Martin Luther King, arguably the modern founding father of this America. He was a product of The South, and his moral judgement didn’t end at the Mason-Dixon line.

Finally, there’s the question of how we claim ancestors, a question that is more philosophical than biological. Africa, and African-America, means something to me because I claim it as such–but I claim much more. I claim Fitzgerald, whatever he thought of me, because I see myself in Gatsby. I claim Steinbeck because, whether he likes it or not, I am an Okie. I claim Blake because “London” feels like the hood to me. 

And I claim them right alongside Lucille Clifton, James Baldwin and Ralph Wiley, who had it so right when he parried Saul Bellow. The dead, and the work they leave—the good and bad–is the work of humanity and thus says something of us all. And in that manner, I must be humble and claim some of Lee, Jackson, and Forrest. What might I have been in another skin, in another country, in another time?

Ta-Nehisi Coates is a contributor to the Atlantic Monthly.

This article was originally available online at:

http://www.theatlantic.com/national/archive/2010/04/the-ghost-of-bobby-lee/38813/

Did you like this? Share it:
Dec 272010
 
Phil_Rockstroh-2010_50s_Web255x280

By Phil Rockstroh  || December 21, 2010 

[print_link] RELATED ARTICLE: The Ghost of Bobby Lee

I’m in Atlanta, Georgia, at present. Among the scent of pine trees and the reek of southern denial. The moribund economy has thwarted the city’s manic drive to silence its resentful ghosts by means of constant motion … Below the lilting southern accents here, one detects rage … Not simply the ubiquitous hate-speak on right-wing talk radio. But an animus bred by truth-deferred … that southern pride is a lie of the mind — a blown banner … foisted skyward to distract the minds of my fellow southerners from the ground level truths of a system rigged to enrich the privileged few and keep the many working for their benefit. (How do you think they filled the ranks of the Confederate Army to kill and die for the rights of rich men to own slaves?)

If these Confederate ghosts could shout through the prison of their enshrinement — they would call out to us, “Don’t believe it. Having seen the meaningless waste of war, we know now that we would have chosen to live out our lives, breathing in the humid, Georgia air, having our troubles softened by the sight of dappled light filtered through pine needles, and being lulled to sleep at night by the song of crickets and cicada. Don’t you believe the lie, as we did, that dying in a rich man’s war is a virtue; don’t buy into the fraud that working all your life for a greedy few is a sound way to proceed through the fleeting and finite years of your time upon this earth”
___________________________

ABOUT THE AUTHOR

Senior Contributing Editor PHIL ROCKSTROH  is a poet, lyricist and philosopher bard living in New York City.  In his own words, “Yet a bio amounts to dharma for dimwits: It defines a human being in the same manner and degree of veracity as a restaurant menu describes the various slabs of meat offered … commodified things that were once living beings.”

  •        

 Posted in Essays

One Response to “Notes from Atlanta, Georgia: A Lie Of The Mind”

  1.  TheMisfortuneTeller said:
    December 21st, 2010 at 5:56 pm
    Some corresponding considerations:

    If you could hear, at every jolt, the blood
    Come gargling from the froth-corrupted lungs
    Bitter as the cud
    Of vile, incurable sores on innocent tongues, —
    My friend, you would not tell with such high zest
    To children ardent for some desperate glory,
    The old Lie: Dulce et decorum est
    Pro patria mori.”
    – Wifred Owen, Dulce Et Decorum Est Pro Patria Mori
    “Patriotism: combustible rubbish ready to the torch of any man ambitious to illuminate his name.”
    “Patriot: the dupe of statesmen and the tool of conquerors.”
    – Ambrose Bierce, The Devil’s Dictionary

Leave Your Reply

Did you like this? Share it: