Valéria received a credit card from Banco AZ S.A. at her home. The product was not requested, and Valéria is not a client of the institution. She r...

Valéria received a credit card from Banco AZ S.A. at her home. The product was not requested, and Valéria is not a client of the institution. She rendered the card unusable and discarded it. The following month, she received a bill charging for the annual fee of the said product. In this case, it is:
a) Essential error that makes the legal transaction voidable.
b) A consumer relationship, in which Valéria is a consumer by equivalence.
c) Tying sale, by subordinating the acquisition of the card to the payment of the annual fee.
d) Defect by lesion, by imposing on Valéria a disproportionate contract.
e) Defect by state of danger, due to the evident dolus of advantage.