Consumer complaint received 2021-10-22
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  , DC XXXX Ref : XX/XX/XXXX Discover Card Charge to XXXX XXXX # XXXX i/a/o {$700.00} ref Complaint # XXXX Dear XXXX XXXX : I am disappointed that Discover Financial Services, Inc. upheld the charge for the above captioned charge.

1. Check-In-Details a. Host states Renters check in on XX/XX/XXXX. This is not correct. 
b. Renters contact both the Host and XXXX on XX/XX/XXXX via phone. The call was to state the property description was inaccurate. 
c. Renters never stayed at the property nor received any value for the disputed charge.

2. Cardholder has not received advisement or promise of credit directly from XXXX. 
a. This is incorrect. Cardholder contacted both Host and XXXX on XX/XX/XXXX. Host stated credit was the responsibility of XXXX and XXXX stated responsibility was the Host. 
b. XXXX Cancelation Policy, dated XX/XX/XXXX, and obtained via XXXX web site states 4. Minimum Quality Standards, Host Responsibilities and Reimbursement to Guest 4.1 If you are a Host, you are responsible for ensuring that the Accommodations you list on the XXXX  Platform are accessible, adequately and accurately described in the Listing description, safe and clean, and do not present a Guest with Travel Issues.

c. Prior supporting documentation clearly show the property was not described accurately on the XXXX website. The Host admitted via the two phones calls with the Cardholder on XX/XX/XXXX that the property was in a working class neighborhood and that no photographs of the outside of property were listed on the site. However, the property is listed as a resort property. Again, photographs submitted to Discover by the Cardholder on XX/XX/XXXX show the property is not a resort and further submission of recent crimes in the area ( not disclosed by Host ) affirm the property description was inaccurate. 

3. XXXX Cancellation Policy was provided to Cardholder in electronic delivery at reservation. 
a. This is incorrect. cardholder was not permitted time to review the policy and reserves the right to determine if delivery of such policy is recognized as legal notification by the XXXX of Virginia, State of Ohio as well as federal statutes. 
b. However, the policy again states that if the property was not accurately described XXXX and Host are required to provide a refund or substitute property mutually agreed upon be the Renter. 
c. Neither XXXX  nor the Host provided this option when contacted XXXX 4. Customer has been an XXXX member for XXXX ( XXXX ) years and accepted the XXXX Terms of Service.

a. This is incorrect. Customer has not ever been a member and has never received XXXX Terms of Service agreement. This includes the Cancelation Policy.

b. Cardholder failed to contact customer service.

i. This is incorrect. Cardholder contacted Host, XXXX and Discover on XX/XX/XXXX. 





Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX 
Discover Financial Services , Inc.

Company response to consumer: Closed with explanation