Credit card -- Problem with a purchase shown on your statement -- Complaint #18448415
Complaint Overview
Complaint ID: 18448415
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: Minnesota
ZIP Code: 558XX
Date Received: 2026-01-03T12:00:00-05:00
Date Sent to Company: 2026-01-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint regarding a reversed credit card dispute involving misleading subscription charges. I purchased what was advertised as a one-time {$19.00} social media growth course. The advertising emphasized a single purchase, and I made a quick decision based on that representation. After reviewing the content and determining it was not for me, I stopped using it and deleted the app. I did not knowingly authorize a recurring subscription. Months later, I discovered I had been charged {$49.00} per month, totaling {$290.00}, by a billing descriptor named XXXX, which did not match the product or brand I believed I purchased. When I researched the charges, the merchant appeared to be XXXX XXXX a company that primarily markets itself as a self-improvement app, not a social media course. This product and merchant identity mismatch contributed to significant confusion. I received no monthly billing confirmation emails, receipts, or notices indicating I was enrolled in a recurring subscription. Additionally I can not find the receipt for the {$19.00}. Because I did not recognize the charges or merchant, I disputed them with Discover as unauthorized. Discover initially issued a provisional credit, but months later reversed the credit after the merchant responded, leaving me responsible for the full {$290.00}. I believe the recurring subscription was not clearly and conspicuously disclosed at the point of sale, and that the advertising, product description, and billing practices were misleading. I do not believe this meets the standard of informed authorization.
Frequently Asked Questions
What is Complaint #18448415 about?
Complaint #18448415 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 2026-01-03T12:00:00-05:00.
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.