Ya I saw this as a set up. It seems she went there looking for a fight, purposely being ignorant of the companies policies. The policies every member is made aware of. She is not a member so why did she think she could buy stuff without being a member. That's kind of their whole business model. I also don't understand Canadians' obsession with debit cards, they don't give any rewards, don't have any grace period, don't build credit scores, and are hard to fight any fraudulent activity on.