Credit card -- Problem with a purchase shown on your statement -- Complaint #11890464
Complaint Overview
Complaint ID: 11890464
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: New York
ZIP Code: 11361
Date Received: 2025-02-01T12:00:00-05:00
Date Sent to Company: 2025-02-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Discover for Unfair Dispute Resolution Transaction with XXXXXXXX XXXX Discover Dispute XXXX XXXXXXXX ) Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Discover regarding their handling of my dispute with the merchant XXXX Despite providing all necessary documentation proving my case, Discover has unfairly ruled in favor of the merchant, leaving me financially responsible for an incorrect item I returned. Details of the Dispute : Merchant Name : XXXX Transaction Amount : {$1900.00} Date Item Returned : XX/XX/year> Return Tracking Number : XXXX ( XXXX ) Background : I originally purchased a specific puffer jacket from XXXX, but the merchant sent me a completely different item. Upon notifying them of the error, they provided a prepaid XXXX return label, which I used to promptly return the incorrect item. The return tracking confirms that the item was delivered to the merchant. However, despite complying fully with the return process, XXXX has failed to issue my refund. Discovers Unfair Handling : I disputed this transaction with Discover, providing all relevant evidence, including proof of return and tracking details. Despite this, Discover has ruled in favor of the merchant, effectively forcing me to pay for an item I neither ordered nor kept. This decision is unjust, as I have fulfilled my obligations and should not be held liable for the merchants failure to process my refund. Request for Assistance : I am seeking the CFPBs intervention to ensure that Discover adheres to fair dispute resolution practices. Specifically, I request : A thorough review of Discovers handling of my dispute. That Discover reverses the charge and credits my account for the disputed amount of {$1900.00}. That Discover provides a clear explanation of why they ruled in favor of the merchant despite the provided evidence. Thank you for your time and attention to this matter. I appreciate your prompt response and any action you can take to ensure fair treatment in this dispute.
Frequently Asked Questions
What is Complaint #11890464 about?
Complaint #11890464 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 2025-02-01T12:00:00-05:00.
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.