Consumer complaint received 2021-04-24
Company: DISCOVER BANK
State: OH
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

Complaint:
My husband and I are both XXXX, at XXXX and XXXX, and have lived very frugally all our lives. now the problem : I've had a discover credit card since 2009. We travel back and forth for the winter. about 5-6 years ago fraudulent charges showed and we had to get a new card. I tried to assist with the local police then, since they figured out it was a 'steal ' probably from a gas station. We just arrived back this year on Monday, and already on Tuesday or Wednesday morning I saw a pending charge I know I hadn't made. called their fraud dept. they couldn't do anything til it was as actual charge, vs a pending one. Called back the next day and they closed the account and transferred all charges to another card ( number ) and we received those cards within 2 days. Last night I started changing our automatic payments to the new number and this morning, another fraudulent pending charge. I Called, and was told they could again transfer to a new card and another 2 days, but I decided that was ridiculous. Why do I have to spend hours each morning cuz a new pending fraud pops up. I decided to close the account entirely. They did. Now, in order to open a new discover card, I find out the benefits have changed, and now I'll be charged for cash advances I wasn't charged for on the original card. Tried to get the cancellation reversed -- -no go. Tried to expedite a new card and account expedited so I can maintain our credit score and pay all bills online AND onetime as we have done by using a credit card. When I found out the benefits had changed, it was too bad, so sad. 'they have to treat everyone the same and yada yada XXXX so Im left being charged for cash withdrawals, if I open a new credit card, because they snuck a rule change in on me. I am now looking at all credit card offers, and see that many if not all of them have similar rules and regs, so I'm not grandfathered into my previous benefit of no charge on cash advances if paid in full every month, as we've done for years. 

XXXX 's a XXXX  XXXX XXXX vet, a XXXX  XXXX XXXX XXXX for XXXX years and I have a XXXX XXXX in XXXX XXXX, but worked at mostly nonprofit agencies helping underserved and underpaid people, so never made much and don't receive a pension Puny though it seems, I liked the feeling that I was contributing a bit more to our finances by earning stupid frigging cash rewards on credit card charges. We've donated all through our careers -- well, I donated our money -- -to food banks, overseas programs to help third world countries ' residents have a chance at the golden ring. and Wham!!! This year especially was a high donation year for us because we received the stimulus money and hadn't lost anything financially as a result of the pandemic, except for total social isolation, which has been indescribably difficult for me, like so many others in the world We're fully vaccinated as of last XXXX  and grateful, but I want to be re-instated to my old discover card account with the old benefits I 'earned ' because of the time I '' m used them, and too bad, so sad. It seems that once again, the big corporations get all the accommodations and WELFARE, and the little people are denigrated. I should be grandfathered into a brand new discover card account because I didn't CAUSE the fraudulent charges, I just wanted to alleviate my aggravation at possible future fraudulent charges. I'm probably made my case ad nauseam to you, but I had to get rid of this frustration some way!

Company response to consumer: Closed with explanation