Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #7407110
Complaint Overview
Complaint ID: 7407110
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: North Carolina
ZIP Code: 28806
Date Received: 2023-08-15T12:00:00-05:00
Date Sent to Company: 2023-08-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
There is a false charge on my Discover account that Discover has failed to investigate for over a year. I have reached out weekly for the last year to Discover and have not gotten a SINGLE response back - phone call or email. They have not provided me with a single line of text or anything in regards to this false charge. IT IS THE 3RD FALSE CHARGE WITHIN A YEAR. The other 2 I paid because it was so hard to reach Discover. The third one is a much larger amount and enough is enough. While customer service can't call me back, they have " debt collector '' numbers that call at all hours of the day and night. The last one I answered and explained the situation and they said they would transfer me to another department. I waited on hold for half an hour. No one answered. They said their systems were down and someone would get back to me the same business day. Of course no one did. The current call CAME IN AT XXXX XXXX XXXX XXXX XXXX XXXX. I again explained the situation and they said they would transfer me to the right department. I have since been on hold for over an HOUR. Discover makes it impossible to reach anyone to resolve a dispute or fake charge. I have NEVER CARRIED A CREDIT CARD BALANCE IN MY ENTIRE LIFE OR EVER BEEN LATE WITH ANY PAYMENT, EVER. My credit score is XXXX, near perfect, and Discover is trying to tarnish that. This is the ONLY WAY THEY CAN MAKE MONEY OFF PEOPLE LIKE ME WHO ARE RESPONSIBLE AND DON'T HAVE CREDIT CARD BALANCES. I urge bureaus like this one to investigate these criminal practices of stealing hard working people 's money as they are doing. I ALREADY PAID TWO FAKE CHARGES ON THIS ACCOUNT, I AM NOT PAYING A THIRD NO MATTER HOW EARLY IN THE MORNING YOU CALL ME AND REFUSE TO TRANSFER ME TO THE CORRECT DEPARTMENT AND CLAIM YOUR SYSTEMS ARE DOWN SO SOMEONE WILL HAVE TO CALL ME BACK AND NO ONE EVER DOES
Frequently Asked Questions
What is Complaint #7407110 about?
Complaint #7407110 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 2023-08-15T12:00:00-05:00.
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.