Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #4703058
Complaint Overview
Complaint ID: 4703058
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: California
ZIP Code: 92122
Date Received: 2021-09-08T12:00:00-05:00
Date Sent to Company: 2021-09-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I made reservation of airline tickets through XXXX on XX/XX/ for XXXX round-trip. They immediately charged my Discover card. They never booked with the airline and never sent me airline confirmation number. Only their own confirmation number and XXXX e-ticket number. One week later this company sent me a message that flights were canceled. Instead they offered much more expensive options which also take at least 10 hours more each way. It was unacceptable. When I tried to apply for refund, they asked me to agree to possibly receive refund in " XXXX money '' in 3 month (! ). They also would not pick up the phone or correspond via email. Of course, I could not agree to this : I need my money back to book through another service. I disputed with the Discover card, uploading the following documents : 1 ) Booking confirmation without airline confirmation number ; 2 ) Policy of XXXX saying that they refund ( if they cancel flights ) immediately in cash 3 ) Screenshot where XXXX states that it will take them 3 months and they may pay with XXXX money ; When I was making booking I have read terms and conditions very carefully. It did not say at the time of booking that XXXX can cancel and refund in their own money. I filed the dispute with Discover on XX/XX/ and they turned down the dispute on XX/XX/. Discover said that since " they provided services of booking, I can not dispute this charge ''. I told Discover that there was no actual booking with XXXX. These particular flights never existed. This is fraudulent documentation. Discover said that there is nothing they can do with this. This completely negates the point of credit card protection against fraud.
Frequently Asked Questions
What is Complaint #4703058 about?
Complaint #4703058 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 2021-09-08T12:00:00-05:00.
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.