Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #4694036
Complaint Overview
Complaint ID: 4694036
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: Indiana
ZIP Code: 46226
Date Received: 2021-09-05T12:00:00-05:00
Date Sent to Company: 2021-09-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
A renewal charge of {$53.00} was placed on my Discover card without my authorization. The renew was for a service that no longer exists. I contacted the merchant, and, as a precaution, I also disputed the charge with Discover. The merchant agreed to refund the charge and sent me a document showing that the refund was made. However, Discover did not give me credit for the refund. I contacted Discover and sent then copies of emails from the merchant, attesting that the charge was not valid and was refunded. However, Discover ignored these emails. I called Discover and talked to XXXX. She did not question the fact that i paid the charge through Discover, nor did she question the validity of the emails from the merchant stating the charge was not valid and should be refunded, nor did she question whether the merchant made the refund. She said the transaction was handled through XXXX, and i would have to contact them. I can not do that because I have no relationship with XXXX, in the context of this transaction. I did not pay XXXX ; I paid Discover. If Discover handled the transaction through XXXX, it was not my choice and out of my hands. My dispute is with Discover, and i have demonstrated it is not a valid charge. I expect Discover to honor the dispute and recover the charge from whatever entity Discover paid.
Frequently Asked Questions
What is Complaint #4694036 about?
Complaint #4694036 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 2021-09-05T12:00:00-05:00.
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.