Consumer complaint received 2023-12-04
Company: DISCOVER BANK
State: CA
Product: Credit 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:
This second complaint is added information to XXXX I have from Discover the text they sent me asking if I recognized this charge. Here is the Text from Discover Card asking me if I recognize this charge, I said NO, but XXXX min later the charge went through when the merchant tried again : see below with attachments On XX/XX/2023 I received a text notification from my credit card Discover " do you recognize this charge of {$230.00} '' I stated no. I called Discover to find out what this was all about and was told since I declined the text charge not to worry that the charge will not post. A few hours later I log onto my Discover Card web site only to see the {$230.00} charge is pending. I called Discover and was told that XXXX min later after I declined the charge the merchant was able to put the charge through again and was successful. I asked why I did not get another text to notify me, the person said sometimes that happens, and now I can dispute this charge. After many months of going back and forth with Discover I was finally credited back {$230.00} until today. XX/XX/2023 almost 4 months later the merchant was able to send in information showing my name, address, and that I ordered {$230.00} for one bottle of XXXX XXXX 's. Discover card will not reopen this dispute, and I will have to take it up with the merchant Since XXXX XXXX XXXX XXXX I have called this company call XXXX XXXX XXXX XXXX. I was able to stop them from a reoccurring charge of {$230.00} every month and was told they would credit me back {$230.00}. This company told me there is nothing they can do and I need to reach out to my credit card and he hung up on me. On XX/XX/2023 when I was on face book I did see an advertisement on these XXXX XXXX for weight loss. I did order XXXX bottle @ {$39.00}, then when I received the text from Discover I realized this has to be the same company and it's a scam. NEVER have I received XXXX bottle. Called Discover 6 times just today and I am told the merchant provider my name, address, but what about the delivery? Discover is sending me all in information to me by way of mail, they will not email to me. Per Discover today I found out this company has another name of " Full Stack '' with the same phone number as XXXX XXXX, if this isn't a scam I don't know what it! XXXX XXXX has a state of WY, but when calling the phone number provided it's XXXX and the people I have spoken with have really bad broken XXXX so I know they are not within the XXXX. This company also has a second name of " Full Stack '' they have the same phone number as XXXX XXXX, but no address, neither company has an address. I need help please I am being scammed and per Discover they choose to believe the scammer. Per my Discover statements you can see the credited me then posted the charge 4 months later. From the beginning If I decline a charge Discover had no right to accept the charge a few minutes later, this is bad business on Discover 's part. Please see the attachment from Discover Card texting me if I recognize this charge, I replied NO, but they let the charge go through XXXX minutes later without texting me a second time. This error falls on Discover Card and I should be credited, also I never ordered anything for {$230.00}. Thank you

Company response to consumer: Closed with monetary relief