(CBS/AP) WASHINGTON – Discover Bank will pay millions in fees to settle accusations by U.S. regulators that it pressured credit card customers to buy costly add-on services like payment protection and credit monitoring.

Discover (DFS), the sixth-biggest U.S. credit card issuer, will pay a $14 million fine and refund $200 million directly to more than 3.5 million customers, federal authorities said Monday.

The company’s call-center workers enrolled customers in the programs without their consent, misled them about the benefits and left customers thinking the products were free, regulators said.

Discover also improperly marketed products to help consumers cancel credit cards if their wallets were stolen and to protect them against identity theft.

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