Credit card -- Problem with a purchase shown on your statement -- Complaint #14381183
Complaint Overview
Complaint ID: 14381183
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: Pennsylvania
ZIP Code: 184XX
Date Received: 2025-06-30T12:00:00-05:00
Date Sent to Company: 2025-06-30T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
THIS IS THE LAST SUMMARY I UPLOADED TO CREDIT CARD NOTIFYING THEM TO APPEAL. I UPLOADED DOCUMENTS WHEN I FILED THE DISPUTE. THE MERCHANT ONLY SENT MARKETING EMAILS AND I DELETED MOST WHEN I RECEIVED AN INITIAL CREDIT FROM THE CREDIT CARD. Re : Notice of Appeal Case # XXXX I received no product. No product was shipped. I ordered the product on XX/XX/year>. I canceled the order 4 minutes later based upon disturbing company reviews published by XXXX. The Seller did not address my cancellation but sent daily emails about how I am enjoying the use of the product, telling me that I haven't completed a medical profile and several other issues that do not acknowledge that I have canceled the product but imply that I am an active customer. Instead, the Seller bombarded me daily with an abundance of lengthy emails offering incentives * to purchase the Sellers largest package. I previously uploaded one of their twelve-page sales efforts. I am under no obligation to accept or decline the Sellers spam that offers incentives to make large purchases. I canceled my order immediately and had no further interest in their products. I canceled the XX/XX/year> order an additional 13 times trying to stop the spam. The Seller provides one email address. Their telephone numbers play a recording stating that just provides the email address. Seeking help, I called Discover and notified them of the Sellers failure to cancel the order, provide a refund and cease the spam mail. In response, Discover instructed me to file a dispute on XX/XX/year>. I filed the dispute on XX/XX/year>. I uploaded an factual evidence. Their reply named " Chargeback Evidence '' has no date or page number and states : due to the customers cancellation request, the order was placed on hold. The document, and by phone, ( credit card ) Dispute Supervisor XXXX stated that I am not entitled to a refund because on XX/XX/year> ( this is incorrect. It was on XX/XX/XXXX ), a dispute was filed. As a result the order was canceled but due to the ongoing dispute the refund could not be processed. Therefore the customers claim is unfounded. I uploaded evidence listing documents, merchant refund terms and more demonstrating the validity of my dispute. I canceled 4 minutes after placing the order and an additional 13 times. I provided proof of XXXX ( the name they used with me ) refund terms and claims. In the merchant 's reply, they imply that I conversed with their " team who, in response, offered a 30 % and 50 % discount that I never confirmed which caused the product to be placed on hold. '' Never happened - no conversation was ever offered, just spam that consisted of many incentives asking me to purchase large products, two of the many incentives were discounts. I canceled the order, never had any conversation and received no request to confirm anything. . * EXAMPLES OF THE INCENTIVES SENT SEVERAL TIMES DAILY : Their search for 10 to 20 customers TO PROVIDE TESTIMONIALS Welcome gift XXXX XXXX XXXX at no charge, worth {$290.00} The ULTIMATE solution, a recipe for 2 minute Digestive Harmony Tea Special VIP Gut Assessment Sellers search for 10 people to provide testimonials and reviews in exchange for achieving perfect digestion 30 % discount on purchase of their largest package 50 % discount on purchase of their largest package
Frequently Asked Questions
What is Complaint #14381183 about?
Complaint #14381183 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 2025-06-30T12:00:00-05:00.
How did Discover Bank respond to this complaint?
The company responded with: "Closed with monetary relief". 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.