Credit card -- Problem with a purchase shown on your statement -- Complaint #12775861
Discover Cardholder Charged for Unrecognized Purchase
Complaint Overview
Complaint ID: 12775861
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: Card was charged for something you did not purchase with the card
State: Iowa
ZIP Code: 52804
Date Received: 2025-03-31T12:00:00-05:00
Date Sent to Company: 2025-04-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The risk is low as the issue was resolved and closed, suggesting a potential error or misunderstanding that was addressed.
Consumer Sentiment: neutral
Topics: Billing disputes, Unauthorized charges, Credit card statements
AI Analysis
CFPB complaint 12775861 was filed against DISCOVER BANK regarding Credit card (General-purpose credit card or charge card), specifically about "Problem with a purchase shown on your statement". A Discover Bank credit card holder in Iowa reported being charged for a purchase they did not make, and the issue was closed with an explanation. The complaint was received on March 31, 2025 from Iowa. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit card statements for any unauthorized charges and dispute them promptly with the card issuer.
Legal Context & Consumer Protection Laws
This situation falls under consumer protection laws related to billing errors and unauthorized transactions on credit cards.
Regulatory Insight
Card issuers must have clear procedures for investigating and resolving billing disputes, including charges for items not purchased by the cardholder.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
In Iowa, consumers have rights regarding billing disputes and unauthorized charges on their credit cards, with regulatory oversight by state and federal agencies.
Industry Comparison
This is a common type of dispute across the credit card industry, where customers question charges on their statements.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12775861 about?
CFPB complaint 12775861 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Problem with a purchase shown on your statement", specifically "Card was charged for something you did not purchase with the card". This complaint was filed against DISCOVER BANK on March 31, 2025.
Which company is complaint 12775861 filed against?
Complaint 12775861 was filed against DISCOVER BANK. You can view all complaints against this company on their profile page at /company/discover-bank.
What was the company's response to complaint 12775861?
DISCOVER BANK responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 12775861 filed?
Complaint 12775861 was received by the CFPB on March 31, 2025. It was sent to DISCOVER BANK on April 1, 2025.
What state was complaint 12775861 filed from?
Complaint 12775861 was filed from Iowa. You can view all complaints from this state at /state/IA.
Was the consumer satisfied with the resolution of complaint 12775861?
Dispute information is not available for complaint 12775861.
What product category is complaint 12775861 about?
Complaint 12775861 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 12775861 submitted?
Complaint 12775861 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 12775861?
This situation falls under consumer protection laws related to billing errors and unauthorized transactions on credit cards. This relates to a Credit card complaint against DISCOVER BANK involving "Problem with a purchase shown on your statement".
How likely is complaint 12775861 to be resolved?
Resolution likelihood: unlikely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 12775861?
This complaint is rated as low risk. The risk is low as the issue was resolved and closed, suggesting a potential error or misunderstanding that was addressed.
What regulatory actions apply to complaint 12775861?
Card issuers must have clear procedures for investigating and resolving billing disputes, including charges for items not purchased by the cardholder. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 12775861?
Consumers should carefully review their credit card statements for any unauthorized charges and dispute them promptly with the card issuer.
Are there state-specific protections for complaint 12775861?
In Iowa, consumers have rights regarding billing disputes and unauthorized charges on their credit cards, with regulatory oversight by state and federal agencies. This complaint was filed from Iowa.
How does complaint 12775861 compare to industry norms?
This is a common type of dispute across the credit card industry, where customers question charges on their statements.
What steps should a consumer take if they see a charge they don't recognize on their credit card statement?
Immediately contact the credit card issuer to report the unrecognized charge and initiate a dispute. Keep records of all communication.
What does 'Closed with explanation' typically mean in the context of a CFPB complaint?
It usually means the company provided a response or resolution to the consumer's issue, and the CFPB closed the case based on that explanation.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.