Consumer complaint received 2021-08-26
Company: DISCOVER BANK
State: NY
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:
In 2020 Discover credit card alerted me they overcharged me as there was a surplus payment of {$110.00} on my account and offered me a refund. They were supposed to send me a check for that amount but never did. I called them re the issue. They then were supposed to send {$110.00} in an ACH XX/XX/2020 transfer, but never did. Instead they reversed the non-refund re and overcharging my account again. In fact they recharged my account. three, ( 3 ) times for {$110.00} equaling {$330.00} which I was compelled to pay as if I didn't, I'd accrue phony finance charges and I'd have to fight that as well. 

So Discover now owed me {$330.00}. In the interim I called them to resolve. They refunded me for {$110.00} but they continued to recharge me again for same so that they still owe me/owe me more than what they originally owed me which is now {$220.00} as they re/overcharged me {$110.00} three, ( 3 ) times, and refuse to pay me back. We called them repeatedly. They gave all sorts of excuses, e.g., it's Discover 's policy to recharge the consumer when Discover owes and then pays consumer back for overcharges, your old card was replaced with a new one so that's what Discover does, that's how debits work at Discover, and my account balance had to be XXXX, ( XXXX ) for them to pay me back -- FYI My balance is always at XXXX, ( XXXX ), as I pay my balance in full and on time every month which is evident on all my statements. 
They called my bank without my written consent and tried to get me on the phone for a three-way, without my prior knowledge and consent. Bottom line, when you owe a debt -- in this case Discover is the debtor/ indebted to me, the creditor, now for {$220.00}, you pay it back and it ends there. Just like when I pay my bills. You don't try to have/re/overcharge me, the creditor, the money you owe me plus more. Discover owes me {$220.00} and I want my money. 

Breakdown : 1-Prior to XX/XX/2020 Discover owed me {$110.00} for a {$110.00} overcharge on my credit card account. On XXXX, Discover over/recharges me again for {$110.00} on XX/XX/2020 to -XX/XX/XXXX Statement for supposedly sending me the money they owed me, i.e., in a {$110.00} check they said they would but never sent. So by XXXX, they owed me {$220.00} : 2-By XXXX owes me {$220.00} 3-On XXXX Discover removes one, ( 1 ) over/recharge but they still owe me {$110.00} 4-But on XXXX Discover re/overcharged me again for {$110.00} so they owe me {$220.00} 5-On XXXX Discover deposits {$110.00} into my bank so Discover owes me {$110.00} 6-But also on XXXX Discover re/overcharges again in the guise of ( ACH reversal for an ACH that never occurred ) so they owe me {$220.00} again. 
7-I can produce all my relevant statements upon request in attachments to an email. 

Discover has no email address I asked a XXXX rep on the chat, but got no answer. I spoke to a few supervisors re this issue including XXXX-to no avail at the refund dept. # XXXX In fact contacting Discover to get resolution to this issue, i.e., get my money back has been impossible. Discover makes it impossible to contact them as they also have many addresses listed seemingly so that consumers can't contact them Documents/Attchmnts included : 1-Discover XXXX Statement with {$110.00} overcharge/recharge equaling $ {$220.00} that they owe me 2- Discover XXXX statement removes one, ( 1 ) over/recharge but they still owe me {$110.00} 3-Bank Statement Discover gives " credit adjustment '' of ACH Transfer {$110.00} on XXXX 4-Discover XXXX Statement recharge/overcharge of {$110.00} calling it " ACH reversal '' so that they still owe me {$220.00} How it started Date fraud began : Amount I was asked for : Amount I Paid : XXXX {$330.00} Payment Used : Bank Payment Details about the company , business, or individual Company/Person Name : Discover Card/ Discover Financial Services Address Line 1 : XXXX.XXXX . XXXX XXXX XXXX XXXX XXXX, UT Address Line 2 : City : XXXX XXXX XXXX State : Utah Zip Code : XXXX Country : USA Email Address : XXXX Phone : XXXX Website : discover.com Alternate addresses : Payment Address Discover Financial Services XXXX.XXXX. XXXX XXXX XXXX XXXX, IL XXXX Customer Service - General Inquiries Discover Financial Services XXXX.XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Name of Person You Dealt With : XXXX Wouldn't give last name

Company response to consumer: Closed with explanation