Credit card -- Problem with a purchase shown on your statement -- Complaint #7592418
Complaint Overview
Complaint ID: 7592418
Company: Discover Bank
Product: Credit 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: Wisconsin
ZIP Code: 548XX
Date Received: 2023-09-22T12:00:00-05:00
Date Sent to Company: 2023-09-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX I left for a work related trip and hired a house sitter through a XXXX add to check in on my home while I was gone as I would be gone for a week and didnt want to leave things completely unattended. Her reviews were good and it appeared that she checked out so I felt comfortable with our agreement. While I was gone she had hacked into my XXXX account and used my Discover card to make XXXX different XXXX orders. These order were delivered to my home where I am assuming she collected them. When I got back from my trip I discovered my house an absolute disaster and many of my belongings gone through. I then discovered that she had made the purchases and called Discover right away to report the unauthorized transactions. I also sent report of this to XXXX as well. I called Discover on XX/XX/XXXX to find out if there was an update about my case because I saw the charges had been added back onto to my credit card and I was waiting for them to send out a form to sign verifying that these transactions were unauthorized. I was told by the employee that this was just because the case had been moved to a closed status and I would see the final credits be posted to my account and not to worry the matter had been settled in my favor. I called back a week later to see when those credits would be posting and was told that they wouldnt be because discover denied my dispute. I spoke to another employee who explained to me that they could send the case to be evaluated again and that the reason that it was denied was because the purchases were made using my XXXX account and since they couldnt prove XXXX made a mistake they couldnt dispute it. I provided an email that was sent from XXXX on XX/XX/XXXX confirming that there was unauthorized access to my account to support my case. I called back on XX/XX/XXXX to verify where the case was standing and they told me I was again denied because the email I sent to support my case was so much later than the instance. I was denied the right to see the documents that they used to make their decisions and stated all they could send was a letter explaining the reasons. They also denied my the opportunity to sign a written dispute confirming authorized transactions were placed on my card. During one of my conversations they had admitted that they had received credit back for some of the transactions and they failed to pass any of that on to me.
Frequently Asked Questions
What is Complaint #7592418 about?
Complaint #7592418 was filed against Discover Bank regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2023-09-22T12:00:00-05:00.
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) 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.