Consumer complaint received 2023-02-27
Company: DISCOVER BANK
State: IN
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: Card was charged for something you did not purchase with the card

Complaint:
Initially we were experienced a very serious compromise on XX/XX/XXXX, this forced us to change all of our banking accounts and I believe that we requested new credit cards but not 100 % certain. Computers were taken to XXXX XXXX  at XXXX XXXX and supposedly fixed but due to severity of compromise we did not use any computer that was involved after because they installed XXXX XXXX. Now fast-forward to XX/XX/XXXX and I start getting text from my Discover Credit Card about a transaction from XXXX asking if this was transaction and I would respond no, without thought I just thought that since this was the fraud dept they declined all of them. This text started to be frequent so I decided to login to my account because I started to think this was a spam text at this point, and to my amazement it was not. There were a multitude of charges from XXXX that actually started as a temporary authorization on XX/XX/XXXX for XXXX that was credited back on XX/XX/XXXX, on XX/XX/XXXX XXXX transactions were approved, on XX/XX/XXXX XXXX transactions were approved, on XX/XX/XXXX 49 transactions were approved, on XX/XX/XXXX XXXX transactions were approved, on XX/XX/XXXX XXXX transactions were approved, on XX/XX/XXXX 12 transactions were approved, on XX/XX/XXXX XXXX transactions were approved, on XX/XX/XXXX 12 transactions were approved, on XX/XX/XXXX XXXX transactions were approved, on XX/XX/XXXX 12 transactions were approved, on XX/XX/XXXX 5 transactions were approved. They gave me an dispute adjustment but told me there wasnt enough evidence to prove this was fraud, I sent screenshots from my account showing the only order I have ever placed was in XXXX. 

The next issue that they issued a partial credit for is with XXXX XXXX. The first transaction starts on XX/XX/XXXX and these are 2-3 transactions daily for {$4.00} for a total of 482 transactions, they credited me for 70. I reached out to XXXX and I was initially told that someone was using my card to purchase digital games on an account that has been closed and flagged as fraudulent and that they would investigate and get me refunded but no one gets back to me. When I call back they say that the other person should have never told me that but irregardless I never made the charges and this needs resolved yesterday. You can not see these charges on my XXXX account but both XXXX and Discover will not refund these. 

Next Issue is XXXX XXXX, this was cancelled on XX/XX/XXXX but I was charged every month including XX/XX/XXXX. I provided an email with communication with the delta dental representative. I had replaced this insurance with another dental insurance so I so it is illegal for me to have 3 coverages hence the reason I cancelled. I filed the dispute and they gave me credit for 1 month then reversed that credit. This is literally the reason that automatic payments have a bad rap, you cancel them and the credit card or financial institute sides with them. 

Last one is XXXX, there was a charge on XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXX reversal of temp credit. This one is a little more in depth because I was being charged for the same thing when I bought my computer and did not know it on my XXXX XXXX card which is the card that I bought the computer with. The problem with this is the information that they have on file besides my credit card and my name isnt correct. The email address is not mine, the IP address is out of the US, and the details that they provided are incorrect. Besides all of this XXXX is not a subscription that I would purchase if I was purchasing one. In addition if I in fact had this subscription you are charging me more than the initial amount so I need to authorize this amount and how can I when this isnt even my email address. Then the XXXX subscription would be a double charge because you charged my XXXX at the same time so you still need to give me money back and I do not have the subscription information because since XX/XX/XXXX since the Hack I have not had access to my computer.

Company response to consumer: Closed with monetary relief