Credit card -- Problem with a purchase shown on your statement -- Complaint #12527287
Complaint Overview
Complaint ID: 12527287
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: 10459
Date Received: 2025-03-17T12:00:00-05:00
Date Sent to Company: 2025-03-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Despite my dispute, I have been informed that my claim was denied based on Regulation E, stating that I authorize the payment. However, I want to emphasize that this transaction was made under false pretense and fraudulent misrepresentation. I attempted to purchase a laptop from an individual who claimed they would ship it. I was instructed to send {$210.00} via XXXX to cover shipping costs. After sending the money, I was contacted by a supposed " XXXX Driver '' who demanded more money before I could receive the item. It became clear that this was a scam, and I was never provided with the product I paid for. When I asked for a refund, the scammer attempted to extort me for even more money. Under Regulation E, while authorized transactions are typically not refunded, the law does protect consumers from fraud and deception. Since I was misled into sending money under false pretenses, this should be considered a case of fraud. Additionally, I never received the laptop I paid for. The transaction involved a fraudulent scheme where the scammer impersonated a XXXX driver to extract more money. I have since learned that similar scams have been reported, indicating a pattern of fraud.
Frequently Asked Questions
What is Complaint #12527287 about?
Complaint #12527287 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 2025-03-17T12:00:00-05:00.
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.