Credit card -- Problem with a purchase shown on your statement -- Complaint #8151264
Complaint Overview
Complaint ID: 8151264
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: Credit card company isn't resolving a dispute about a purchase on your statement
State: California
ZIP Code: 91360
Date Received: 2024-01-11T12:00:00-05:00
Date Sent to Company: 2024-01-11T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
XX/XX/23 order placed online for XXXX XXXX XXXX XXXX for {$190.00}. XX/XX/23 confirmation email received showing charge will appear from XXXX XXXX. I immediately tried to cancel the order. I was advised it could not be cancelled and I could just return the product when received. XX/XX/23 Contacted merchant for return instructions. XX/XX/23 My USPS receipt for returning 100 % of product. XX/XX/23 USPS tracking showing product 100 % received by merchant. I received partial refund of {$120.00}. I disputed the payment with Discover on XX/XX/23 when remaining amount of {$69.00} not received. I waited 15 days for company to process refund to Discover. I have in possession " and furnished '' Discover copies of the company 's website stating both a 100 % money back guarantee and also a " Risk Free Guarantee '' statement. XX/XX/23 I received a letter From Discover denying my dispute without any explanation. XX/XX/23 I requested Discover reconsider their decision, and again explaining in detail the transaction and actions. I again provided Discover with copies of my USPS receipts showing the product returned and accepted, ALONG WITH A COPY OF THE COMPANYS WEBPAGE showing clearly that the purchase and product was 100 % guaranteed. If I have the option, I will include these copies with this statement. XXXX XXXX XXXX XXXX gives XXXX XXXX a " F '' rating due to many unresolved problems and complaints. Yet Discover ruled in their favor.
Frequently Asked Questions
What is Complaint #8151264 about?
Complaint #8151264 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 2024-01-11T12:00:00-05:00.
How did Discover Bank respond to this complaint?
The company responded with: "Closed with monetary relief". 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.