Consumer complaint received 2017-12-05
Company: DISCOVER BANK
State: NM
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:
Discover Credit Card has not reimbursed me for a product I did not receive. I paid a deposit of {$1500.00}. ( Exhibit 1 ) for professional electrical contractor services to install and provide electric service to garage and update electric panel in home. ( Exhibit 1a ) I paid in good faith for product delivery and buyer protection through Discover ; Both I have not received. The job is both incorrect ( Exhibit 2,2a,2b ) and incomplete ( Exhibit 2c,2d ). The hole seen in Exhibit 2 and 2a is the first hole made by workers to put electrical conduits inside the building along the eaves per our agreement ; With no notice, this was abandoned and conduits placed outside building and down the center of building. ( Exhibit 2b ). When I saw this, I called the Contractor who was not on site, told him what had been done, He said " No it was to be inside along the eaves '' ; He said he would correct it. ( See Exhibit 4 ) I have given the electrician every opportunity ( Exhibit 4, 4b, 4b1 ) to correct and complete the job. He has not done so. Exhibit 2c and 2d evidence no meter and no wires connected to provide the service contracted for. The materials and services rendered are of no value to me. I have no electric service from this work and estimates ( 4a1,4a2 ) to complete work reflect no credit for materials left by XXXX XXXX and in fact reflect additional costs because of same.

Discover summary ( Exhibit 3 ) used to deny my dispute is totally incorrect. See Exhibit 4 for my dispute of Discover summary. Despite my several requests with documentation ( Exhibit 2a,2b,2c,2d 4a ) and without documentation to Discover to correct and copy corrections of summary to me and credit my account the {$1500.00}. I paid or to provide adequate documentation to support their summary, they have not done so.

Communications with Discover were fraught with difficulties : On line communication is offered yet frequently time out requiring rewriting. Once a point had been made requiring Discover response, a message is sent stating " this form of communication is no longer accepted and another form need be used ; Complicated instructions follow. My last effort to access my dispute on X/XX/17 yielded this message : " We currently show no active or closed disputes ''. Fortunately, I copied most of the very many communiques on their site. If you require same, please advise. Discover Case Number :  XXXX. 

Exhibits : 1. Discover receipt Page 4 of 20 1a. XXXX XXXX Page16 of 20 2. picture of hole Page 7 of 20 : ( must print IN COLOR to see hole ) 2a. picture of hole and conduit Page 8 of 20 : ( must print IN COLOR to see hole ) 2b. picture of collapsing centered conduit Page 9 of 20 2c. picture of absent meterage Page10 of 20 2d. picture of wires not connected Page 11 of 20 3. Discover summary Page 5 of 20 4. Dispute of summary Page 12 and 13 of 20 4a. Fax to Discover ( estimates to correct and complete job Pages14-19 of 20 4b. Final notice to XXXX and XXXX XXXX Page 19 of 20 4b1. Final notice to XXXX and XXXX XXXX e mail Page 20 of 20 Evidence of job done not to specifications : Exhibit 2,2a,2b.

Evidence of job not completed : Exhibits 2c,2d, 4a,4a2,4a3 Evidence of attempts at XXXX resolution : time to dispute action, Exhibit 4, 4b, 4b1.

Company response to consumer: Closed with explanation