Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #4502337
Complaint Overview
Complaint ID: 4502337
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: Card was charged for something you did not purchase with the card
State: Texas
ZIP Code: 77004
Date Received: 2021-06-29T12:00:00-05:00
Date Sent to Company: 2021-06-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX XXXX : Credit Card used for purchases in the amount of {$110.00} at XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ). XX/XX/XXXX XXXX : Account frozen and reported to Discover using the phone application ( business office ). Charges removed pending investigation. XX/XX/XXXX XXXX : Credit Card used for purchases in the amount of {$69.00} at XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ). Card was denied due to account being frozen. XXXX XXXX : Account reflected {$110.00} reapplied to my account. Reported to Discover disputed charges again. Charges removed pending investigation. XX/XX/XXXX XXXX : Account reflected {$110.00} reapplied to my account. Reported to Discover disputed charges again. Charges removed pending investigation. XX/XX/XXXX XXXX : Account reflected {$110.00} reapplied to my account. Reported to Discover disputed charges again. Charges removed pending investigation. XX/XX/XXXX : Account reflected {$110.00} reapplied to my account. Discover investigation showed that payments made to the account ( had balance on the account prior to this ), it was in a local area, and that I did not report until XX/XX/XXXX. Have messages of reporting dispute on XX/XX/XXXX, but Discover says it doesn't count because it was to the business office. Police Report filed, and spoke to XXXX which showed evidence that I did not make these purchases. Discover says they do not have to honor the {$50.00} liability because it is up to the company. Police Report through XXXX Police Department Forgery Department XXXX Case # XXXX
Frequently Asked Questions
What is Complaint #4502337 about?
Complaint #4502337 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 2021-06-29T12:00:00-05:00.
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.