Consumer complaint received 2022-08-15
Company: DISCOVER BANK
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX, Discover Bank partnered with XXXX to provide 5 % cash back for XXXX product. 

On XX/XX/XXXX I purchased and was billed for a fraudulent XXXX gift card sold by XXXX. I found out the same day that I paid {$200.00} for a {$200.00} XXXX gift card, but the actual balance on the gift card was {$0.00}. I called the same day on XX/XX/XXXX, but XXXX refused to refund the gift card purchased. 

Because of no refund for a fraud card, I submitted a claim to Discover on XX/XX/XXXX with screenshot that I got {$0.00} balance from on receipt that said I'm entitled to {$200.00} XXXX credit. 

According to Discover 's Bank terms of service, I'm entitled to be protected against Incomplete service ( Did you pay for something that was never delivered? Was there a quality issue that affected your ability to use your purchase, or the product you received wasnt as advertised when you charged your card to pay for it? ) However, on XX/XX/XXXX Discover Bank close the case and refused to give me my money back for a clearly fraudulent charge and said that I should " work with XXXX '' to get my money back. 
refused to refund me my loss. Discover created the 5 % cash back promotion with XXXX and then force consumers like me to eat the {$200.00} fraudulent XXXX gift card. Attached are my Discover and XXXX provided no proof that the XXXX gift card I had contained {$200.00} balance, which would be impossible because I checked the same day of purchase and the balance was exactly {$0.00}. 

I called customer support, and she said XXXX ) XXXX provided the same receipt that I provided, so that doesn't help them learn more about the case and 2 ) the " reason '' that my case resolved in favor of XXXX, Discover 5 % partner, was that my screenshot has no time stamp. Over the course of one month during with Discover processed my case, I was never asked to submit a new screenshot with a time stamp that they dearly needed, even though the dispute process said that Discover would promptly follow up with me if it needed anything for my case. 3 ) the customer support lady acknowledged that the documents XXXX sent that supposedly proved the XXXX gift card has {$200.00} on it has no time stamp either, and for what reason Discover hold their partnership with XXXX to a lesser standard than me, she " didn't know ''. 

The customer support lady just sheepishly said, " I'm sorry, I know how you feel. I'm not going to buy a gift card from XXXX after hearing your case ''. But refused to refund me my loss. Discover created the 5 % cash back promotion with XXXX and then force consumers like me to eat the {$200.00} fraudulent XXXX gift card. 

Attached are my 1 ) receipt, and 2 ) screenshot sent to Discover, 3 ) Discover 5 % cash back program partnering with XXXX  4 ) Discover consumer protection policy, and 5 ) Discover final case statement on XX/XX/XXXX with all " evidence '' provided from XXXX, which has nothing that said I received the {$200.00} XXXX credit and just said " XXXX  will not refund ''. Following that statement, Discover statement said, I should " work with XXXX to get my money back. ''

Company response to consumer: Closed with explanation