Credit card -- Problem with a purchase shown on your statement -- Complaint #11048933
Complaint Overview
Complaint ID: 11048933
Company: Discover Bank
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Montana
ZIP Code: 590XX
Date Received: 2024-12-05T12:00:00-05:00
Date Sent to Company: 2024-12-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2024, I answered a phone call from someone that was pretending to be a Discover employee, it was a XXXX XXXX number. The person said they were calling because there was a lot of scams/fraud happening and Discover wanted to ensure my account was fully protected. They had my Discover account balance, as well as my Mothers name. They also had my XXXX credit card balance, mentioning it was available information to all credit card companies to help ensure the person on the phone ( me ) that it was not a scam. Very quickly into the call, they mentioned I should have just received a code, to which I confirmed and they asked for the numbers, which I gave. They did it a second time and then confirmed everything was secure and good to go on their end. We chatted for a few more minutes and the call ended. After hanging up and going home, I noticed two charges on my Discover card. The purchases were made at a XXXX store in XXXX, XXXX. ( {$2600.00} and {$3900.00}, total {$6600.00} ) I immediately reported as fraud to Discover. They removed from my bill for two months, but put the amount back on my statement in XX/XX/2024. I called to ask about this, and they said that because I " authorized '' the charges, I would have to pay the amount. But that's not true, I was deceived into thinking the call was from a legitimate representative of Discover. I did not know that giving the code would authorize a purchase. I literally thought the call was part of a security verification process and my response was given under the assumption that it was for account protection purposes. I did not mention the discover employee imposter on my initial call with Discover because I was embarrassed by my stupidity. But after they denied my refund, I mentioned it was a Discover imposter to Discover, and they didn't believe me. I have not travelled to XXXX, and can prove that I was in XXXX when this occurred. I feel as though Discover is taking advantage of the situation by telling me I just have to pay the fraud amount.
Frequently Asked Questions
What is Complaint #11048933 about?
Complaint #11048933 was filed against Discover Bank regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2024-12-05T12:00:00-05:00.
How did Discover Bank respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Discover Bank?
Yes, visit the Discover Bank company profile at readthecomplaint.com/company/discover-bank to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.