Over a year ago, I foolishly signed up for Spirit Master Card and a Membership with Spirit Airlines for cheaper flights. I never used the credit card nor the membership. One year later I receive a bill for the annual fee on the credit card. I called and they canceled the card and the charge.

Now, several months later, I see a charge on my Discover Card for 39.95 for the membership, which I thought I canceled. I called the number Discover gave me and cannot get a person. The recordings are only interested in airline reservations. I called Discover and am told that they cannot help and that it has something to do with Terms and Conditions and that the company can keep charging me this membership fee every year unless I cancel the membership. But I cannot find anyone to help me cancel the membership.

Can you give me any information on how to fix this problem.