This case was a class action suit involving a card processing scheme brought on behalf of a class of consumers who purchased clothing with a debit card and were unknowingly charged an undisclosed fee by the defendant retailer. To drive more sales and increase its revenue, the retailer created a two-tiered split-pricing program which offered products for sale at a credit price and a slightly lower cash price. When a consumer used their debit card to purchase, the payment processing system authorized the transaction over its credit card network, initiating the higher fee. No disclosure of any kind was given to the consumers during this practice. It was alleged that had all facts been disclosed by the retailer, no reasonable consumer would have chosen to pay the higher credit price.