Consumer complaint received 2018-07-22
Company: DISCOVER BANK
State: AZ
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:
On XX/XX/17, I purchased ( via telephone ) a sample of " XXXXXXXX XXXX XXXX '' and a sample of " XXXX XXXX XXXX '' ( for a total of {$10.00} ) from a company identifying itself as " XXXX XXXX XXXX '' in a television advertisement, having used my " Discover '' credit card to pay for my order. This order was billed to my Discover card and subsequently paid. 

I subsequently and unexpectedly -- received a package ( which I did not order ) via USPS, the label on which reflects the sender to be XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX, and indicates the contents are " XXXX '' and " XXXX. '' ( As of this date, this package is still unopened. ) On XX/XX/17, my Discover credit card statement reflects a billing by XXXX XXXX XXXX XXXX   XXXX XXXX an amount of {$89.00}, and an additional billing on XX/XX/17 by XXXX XXXX XXXX XXXX XXXX of an amount of {$87.00}, a total amount of {$170.00}. I assumed it was a billing for the aforementioned package delivered by USPS, again which I did not order. 

On XX/XX/17, I contacted Discover to dispute the XX/XX/17 and XX/XX/17 charges and was told the charges would be removed from my account and the matter investigated, and I was instructed to retain the aforementioned package pending the outcome of the investigation. 

I then received my XX/XX/17 credit card statement from Discover and found it to reflect two additional charges identical to the XX/XX/17 and XX/XX/17 charges mentioned above, again totaling {$170.00}. 

On XX/XX/17, I called Discover about the additional charges and was told that Discover would block my account so that the XXXX products company could not charge against my account any further. I was again instructed to continue to retain the unopened package mentioned above. 

I subsequently received correspondence from Discover stating the following : XXXXeve completed our initial investigation of your disputed transaction and have found in your favor. This means well reverse the temporary credit on your account and apply a credit adjustment. You will not be charged for this transaction, including any related interest or fees. 

I then received my XX/XX/17 credit card statement from Discover and found that Discover had not only reinstated the credited/disputed charges totaling {$350.00} but had added additional charges of another {$87.00} and {$89.00} ( totaling {$170.00} ), for a grand total of {$530.00}!!

I feel I have been misrepresented by Discover, in that they informed me that their investigation results were in my favor and then subsequently reversed their decision after they received information from the company who placed fraudulent charges against my Discover credit card without my authorization. Additionally, the XXXX products company NEVER provided me with any documentation as was sent to Discover either at the time of my original purchase of the samples nor at any time thereafter.

Company response to consumer: Closed with explanation