Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #4436350
Complaint Overview
Complaint ID: 4436350
Company: Discover Bank
Product: Credit card or prepaid 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: New York
ZIP Code: 11385
Date Received: 2021-06-06T12:00:00-05:00
Date Sent to Company: 2021-06-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I paid {$5000.00} i use Discover credit card to XXXX XXXX on XXXX XXXX as down payment for a new car and on second day we had to go through the contract with a promise they would give me a good deal but i had to pay the down payment to prove that i was serious and if the offer is not good no obligation and i will get my money back. The next day the offer it wasn't good and i didn't like the offer. I asked them to return the down payment to my credit card they said okay but i was not comfortable and worried. On XX/XX/XXXX XXXX i called Discover credit card to dispute the transaction they said i have to give the dealer 10 days to return the money and we can start the dispute on XX/XX/XXXX, if they don't return the money. The dealer didn't return the money credit card company started investigation they found in my favor on XXXX XXXX. On XXXX XXXX discover sent Email to me stated that will continue investigation because the dealer submitted a contract between XXXX XXXX and my son done on XXXX and contract date on XX/XX/XXXXthis deal was finished and my son took the car on same day after he paid {$5000.00} in cash as the contract proven this. I asked Discover credit card it is no relationship between the transaction i disputed happened on XX/XX/XXXX XXXX and transaction it done on XXXX and so far the credit card company reapplied a temporary credit to my account.
Frequently Asked Questions
What is Complaint #4436350 about?
Complaint #4436350 was filed against Discover Bank regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2021-06-06T12:00:00-05:00.
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 or prepaid 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.