Consumer complaint received 2023-10-30
Company: DISCOVER BANK
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
COMPLAINT ID XXXX According to the feedback from the complainant, the deadline is XX/XX/XXXX. As I have not yet received a response from DISCOVER, I would like to reiterate my complaint regarding the actions of such a credit card company Dear Sir and Madam, as CFPB has conveyed my complaint against DISCOVER, DISCOVER has informed me and will inform me of the investigation results of credit card fee fraud. I haven't received a response from DISCOVER yet. However, I received a message from CFPB requesting me to provide feedback before XX/XX/XXXX. It has been over two months now, and I still have to file a serious complaint against DISCOVER 's customer billing policy because it harms the interests and rights of customers. 
Because it was precisely due to the intervention of CFBP in XXXX that this incident had the possibility of being resolved. Since XX/XX/XXXX, I have had multiple controversies with DISCOVER regarding their charging policy. From email correspondence with them to letter correspondence, to writing to XXXX XXXX XXXX XXXX at DISCOVER CARD CORPORE HEAD OFFICE HEADQUARTERS, and then complaining to State of CALIFORNIA DEPARTMENT of FINANCIAL PROTOCTION AND INNOVATION CONSUMER COMPANIENT ( XXXX XXXXXXXX ), all have not been resolved. Finally, it was CFBP 's intervention that led to the outcome of my appeal. It is also due to the intervention of CFPB that DISCOVER has responded to the handling of this case. Finally sent me the adjusted bill on XX/XX/XXXX. However, this bill came too late because I still have to complain about DISCOVER 's policy of harming customers. And requested an apology statement from DISCOVER, as well as a subsidy for the postage and time lost. 
1. Regarding three controversial customers : XXXX XXXX XXXX XXXX XXXX XXXX  {$11.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$39.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$14.00} Total expenses : {$66.00} XXXX. DISCOVER has an unfriendly policy towards customers : from the beginning, DISVOCER handled billing issues on the grounds of customers defaulting on debts and not paying. Therefore, they first investigate what bad records the customer has to prove the legality of DISCOVER charging fees to the customer. In fact, DISCOVER knows that this is a legitimate and fraudulent automatic charging system used by merchants and sellers in the financial system. I can not assert that DISCOVER has any improper connections with merchants and sellers, but when customers raise objections or disputes about the fees charged by merchants and sellers, DISCOVER should temporarily retain the disputed fees and initiate a fraud investigation, rather than directly placing the disputed fees in the customer 's payment form and adding fees such as delay and interest. They have reason to trust merchants and sellers, and I don't express any opinions, but their lack of trust in customers is unreasonab3. Due to the inadequate working methods of DISCOVER employees, it has damaged the reputation of customers and weakened their trust in DISCOVER. Contributed to the development of credit fraud incidents. Why? Since XXXX last year, I have been raising this unreasonable issue with DISCOVER. After multiple negotiations with DISCOVER, I wrote to them on XX/XX/XXXX requesting the closure of my account. DISCOVER closed my account on XX/XX/XXXX, but before the closure on XX/XX/XXXX, XXXX merchants and sellers demanded that I pay {$55.00}. XXXX XXXX XXXX XXXX XXXX ) When I disputed the fee and wrote a letter to the merchant and seller using the address provided by DISCOVER and CERTIFIED MAIL, SUPS found that there was no address for this company! However, DISCOVER has been sending me payment reminders for about a year, which I can not bear. 
4. The way DISCOVER treats previous customers can also affect other customers. In fact, when a customer files a complaint, DISCOVER should handle it promptly and the customer will not file an appeal. However, in DISCOVER 's policy, some employees use this policy as an excuse to conduct fraudulent investigations against customers, which undermines their rights and emotions. Shouldn't DISCOVER be responsible for this?

DISCOVER should be responsible for my losses! 

Sincerely!

Company response to consumer: Closed with non-monetary relief