Credit card -- Problem with a purchase shown on your statement -- Complaint #18638220
Complaint Overview
Complaint ID: 18638220
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: Indiana
ZIP Code: 47304
Date Received: 2026-01-11T12:00:00-05:00
Date Sent to Company: 2026-01-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I was charged {$99.00} for an annual subscription auto-renewal by XXXX. I did not intend to continue the subscription and was unaware that it would renew at that time. I contacted the merchant immediately upon receiving the transaction notification from Discover and attempted to cancel the subscription right away. I made multiple follow-up requests explaining that the renewal was unintended and asking for a refund or clarification. The merchant refused a refund based solely on policy and later closed the case without addressing my follow-up messages. After being unable to resolve the matter directly with the merchant, I filed a billing dispute with Discover and provided documentation showing that I acted promptly and in good faith. Despite this, Discover resolved the dispute in favor of the merchant based on general subscription terms and an unverified claim that a single renewal email was sent XXXX days in advance. There was no confirmation that the notification was delivered or received. I am concerned that this dispute process places the full burden on the consumer and allows subscription merchants to rely on minimal notification practices and rigid refund policies, even when the customer acts immediately and seeks resolution in good faith. I am submitting this complaint to request a review of Discovers handling of billing disputes related to unintended auto-renewals and consumer protections in such cases.
Frequently Asked Questions
What is Complaint #18638220 about?
Complaint #18638220 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 2026-01-11T12:00:00-05:00.
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.