I had a very good experience with MSI and their RMA. I mean it was so good, they made a customer out of me and I'll be buying an MSI card when I upgrade later.
I'm puzzled why they would completely disregard their plainly stated RMA procedure? I mean, it's in black and white, and then to go off the rails like this and make up a bizarre thing out of nowhere, what? That is not in their stated policy to do that, how in the world? Rogue employee trying to somehow make some money on the side by giving you $455 (claiming it's the MSRP) and then pocketing the difference actually owed to you... that doesn't make sense what in the world?