CONTACTS 
0201 - MBNA - Maryland Bank                 800 441 9977
020101 - Ms. Vanessa Benjamin; Account Manager  =800 388 6970
020102 - Customer Assistance  =800 421 2110
0202 - MBNA - Maryland Bank, NA             800 441 9977
020201 - Wilmington, DE
020202 - Ms. Toni Tabor; Customer Assistant  =Telephone
020203 - Customer Assistance  =800 421 2110

SUBJECTS
First USA - 6533, $21,000 check 2566
MBNA Credit - 4195 89
First USA - 6533, $21,000 check 2565
MBNA CDW Fails Honor RMA Defective HP Notebook Computer
MBNA Mishandled Check #2656

0707 -    ..
0708 - Summary/Objective
0709 -
070901 - Follow up ref SDS 40 0000, ref SDS 39 0000.
070902 -
070903 - Toni Tabor asked about payment on our account.
070904 -
070905 - I explained understandings from Vanessa Benjamin in a call on 001110,
070906 - that Vanessa is researching pending disputes, and as a result, advised
070907 - that no further transactions should be made until disputes are
070908 - resolved. ref SDS 40 0001
070909 -
070910 -     [On 001117 letter to MBNA confirming status. ref SDS 41 0001
070911 -
070912 -     [On 001127 call from Kelly Jackson. ref SDS 42 0001
070913 -
070914 - Toni said there is nothing in MBNA's record showing Vanessa's work
070915 - 001110.
070916 -
070917 - I explained having asked Vanessa to prepare a complete record.
070918 - ref SDS 40 PO8O
070919 -
070920 - Toni said MBNA policy is to maintain a good record to avoid confusion
070921 - like today.  She feels Vanessa may not have had enough time yet to
070922 - prepare a record for 001110.
070923 -
070924 -
0710 -
0711 - 0823
0712 -
071201 - Toni asked me to hold on, while she discusses this matter with
071202 - Vanessa.
071203 -
071204 -
0713 -
0714 -
0715 - 0834
0716 -
071601 - Toni came back on line, and apologized for taking so long.  She said
071602 - Vanessa told her just now that the Welch account is under
071603 - investigation and so further transactions are on hold.
071604 -
071605 - Toni said that Vanessa told her she will call back later today with
071606 - more information to resolve disputes.
071607 -
071608 - I asked Toni to please put this in the record, and noted Vanessa's
071609 - instruction that the account is on hold pending investigation, because
071610 - there have been problems in the past that cause mistakes, as occurred
071611 - today.
071612 -
071613 - Toni said she will report in MBNA's record that Vanessa plans to call
071614 - back later today.
071615 -
071616 - I suggested that she, also, mention that the account is under
071617 - investigation for the reasons discussed with Vanessa on 001110, since
071618 - Vanessa confirmed that today, but has not had time to do that herself.
071619 -
071620 - Toni said she feels each person should only write up what they
071621 - actually do, so she does not want to report on Vanessa's work on
071622 - 001110.
071623 -
071624 - I asked if should at least report that the customer requested she
071625 - report the missing information on 001110, so other people are alerted
071626 - about the chronology.
071627 -
071628 -
071629 -
071630 -
071631 -
071632 -
071633 -
071634 -
0717 -
0718 -