Consumer complaint received 2023-01-17
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX Dear Sir or Madam : I am writing this letter regarding deceptive practices and erroneous fees and interest charges I received from DISCOVER. This company failed due diligence to protect me from unscrupulous merchants who never delivered the service. The related charges to the dispute are in error and XXXX XXXX XXXX informed me that they attempted to reverse their charges after realizing they made mistakes but DISCOVER would NOT accept the reversal. It appears this company engaged in conduct that helped the scammers rake in megabucks at my expense. XXXX XXXX had to send me the payment and I, in-turn sent it to DISCOVER. DISCOVERs refusal to accept the reversal payments caused a delay in resolving the matter, resulting in interest and late fees. The following are dates and persons spoken to in an attempt to resolve this matter : XX/XX/XXXX Spoke to XXXX and XXXX XXXX XX/XX/XXXX Sent supporting documents ( certified ) XX/XX/XXXX Spoke to XXXX XXXX disconnected ), spoke to XXXX who forwarded me to XXXX ( Dispute resolutions ) who forwarded me to XXXX ( security team ) who forwarded me to XXXX, then back to XXXX ( Resolutions ) then to XXXX ( customer assistance ) then to XXXX ( Billing ) then to XXXX XXXX billing resolutions ) who told me that it would take a couple days to make the changes to credit my accounts. 
XX/XX/XXXX Contacted XXXX about the status of the removal of interest and late fees and was forwarded to XXXX ( Fraud dept ) then to XXXX ( Resolutions ) then to the supervisor, XXXX, and then forwarded to XXXX ( Manager, Billing Resolution ) and received the same answer. 
My account numbers with DISCOVER are XXXX and XXXX. 
After repeated attempts since XX/XX/XXXX to rectify my accounts, this company has used deceptive conduct and failed to reimburse me for fees and interest as a result of the fraudulent activities of XXXX XXXX XXXX in XX/XX/XXXX. 
The enclosed are copies of accumulated amounts are : XXXX Card ending in XXXX Card ending in XXXX Total XXXX {$310.00} ( Interest ) {$210.00} ( Interest ) {$530.00} {$29.00} ( fees ) {$29.00} XXXX Card ending XXXX Card Ending in XXXX Total XXXX {$210.00} ( Interest ) {$290.00} ( interest ) {$510.00} {$40.00} ( fees ) {$40.00} I contacted the company of several occasions from XX/XX/XXXX in regards to this matter. Documentation to support my requests has also been presented and on XX/XX/XXXX, explanation was again given to DISCOVER representative, XXXX, about the misleading and fraudulent practices of this company. She informed me that they would make adjustments for the charges and it would take a few days. 
Failure to receive an appropriate response to this problem has prompted me to write directly to you. 
I would appreciate your assistance in resolving my complaint. I would like to receive full refund from DISCOVER of the full erroneous charges of {$1100.00}. 
I look forward to hearing from you soon regarding my problem. I would like to receive a response from you as soon as possible. 
Please contact me if you have any questions or need additional information. I may be contacted by e-mail at XXXX XXXX

Company response to consumer: Closed with explanation