Credit card -- Problem with a purchase shown on your statement -- Complaint #19874052
Discover Bank Fails to Resolve Credit Card Purchase Dispute
Complaint Overview
Complaint ID: 19874052
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: Washington
ZIP Code: 98030
Date Received: 2026-02-28T12:00:00-05:00
Date Sent to Company: 2026-03-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The company's failure to resolve a dispute about a purchase on a statement indicates potential issues with their dispute resolution process, which could lead to further customer dissatisfaction and regulatory scrutiny.
Consumer Sentiment: negative
Topics: Credit card disputes, Purchase disputes, Billing errors
AI Analysis
CFPB complaint 19874052 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 customer in Washington is disputing a purchase on their statement, but the company has not resolved the issue. The complaint was received on February 28, 2026 from Washington. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should keep detailed records of all transactions and communications with their credit card company regarding disputes, and be prepared to escalate the issue if it is not resolved promptly.
Legal Context & Consumer Protection Laws
Credit card companies are required by law to investigate disputes about billing errors and unauthorized charges in a timely manner.
Regulatory Insight
Regulators expect credit card companies to have robust and fair dispute resolution processes that comply with consumer protection laws.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Washington, consumers have rights regarding credit card disputes, and state agencies may offer additional avenues for resolution.
Industry Comparison
While many credit card companies strive for efficient dispute resolution, some may fall short, leading to customer frustration and potential regulatory action.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19874052 about?
CFPB complaint 19874052 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 "Credit card company isn't resolving a dispute about a purchase on your statement". This complaint was filed against DISCOVER BANK on February 28, 2026.
Which company is complaint 19874052 filed against?
Complaint 19874052 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 19874052?
DISCOVER BANK responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19874052 filed?
Complaint 19874052 was received by the CFPB on February 28, 2026. It was sent to DISCOVER BANK on March 1, 2026.
What state was complaint 19874052 filed from?
Complaint 19874052 was filed from Washington. You can view all complaints from this state at /state/WA.
Was the consumer satisfied with the resolution of complaint 19874052?
Dispute information is not available for complaint 19874052.
What product category is complaint 19874052 about?
Complaint 19874052 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 19874052 submitted?
Complaint 19874052 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 19874052?
Credit card companies are required by law to investigate disputes about billing errors and unauthorized charges in a timely manner. This relates to a Credit card complaint against DISCOVER BANK involving "Problem with a purchase shown on your statement".
How likely is complaint 19874052 to be resolved?
Resolution likelihood: mixed. 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 19874052?
This complaint is rated as medium risk. The company's failure to resolve a dispute about a purchase on a statement indicates potential issues with their dispute resolution process, which could lead to further customer dissatisfaction and regulatory scrutiny.
What regulatory actions apply to complaint 19874052?
Regulators expect credit card companies to have robust and fair dispute resolution processes that comply with consumer protection laws. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 19874052?
Consumers should keep detailed records of all transactions and communications with their credit card company regarding disputes, and be prepared to escalate the issue if it is not resolved promptly.
Are there state-specific protections for complaint 19874052?
In Washington, consumers have rights regarding credit card disputes, and state agencies may offer additional avenues for resolution. This complaint was filed from Washington.
How does complaint 19874052 compare to industry norms?
While many credit card companies strive for efficient dispute resolution, some may fall short, leading to customer frustration and potential regulatory action.
What are the typical timeframes for a credit card company to resolve a purchase dispute?
Under the Fair Credit Billing Act, credit card companies generally have two billing cycles, but no more than 90 days, to investigate and resolve a billing dispute.
What steps can a consumer take if their credit card company does not resolve a dispute satisfactorily?
Consumers can escalate the dispute within the company, file a complaint with the CFPB, and potentially contact their state Attorney General or a consumer protection agency.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.