Consumer complaint received 2017-12-26
Company: DISCOVER BANK
State: CA
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:
I want to file a complaint on my credit card Discover for being dishonest and for not following through with how they were going to help me a Bait & Switch merchant ; they ( Discover Card ) basically conned and lied to me. I called and made a dispute on a television to Discover that I decline to accept when I got a receipt on free shipping I made online through a merchant but 2 hours later I got a call from the TV merchant they wanted to add {$380.00} more for shipping, I said cancel order right now and they would not but they call me ( the merchant ) to ask if I would approve to {$380.00} I said no but I called Discover Card to report the matter that I declined a TV purchase as I provided them a receipt stating I had the actual price on the item and not the price I was charge on my Discover card. Discover said ok, well investigate the matter and they appeared to believe I was telling them the truth but 2 weeks later, I look on my Discover account ( as Discover never notify me too ) and noticed they reverse the charge back on my account. They said I agreed to the charge and I said no I didnt, I send read the receipt, it says free shipping and I said I decline to accept order to the merchant but Discover said this and that but then they denied me they said they would step in to go after shipping fees and or trying to return the item since I gave them information they stated on the merchants website, they would take returns on a certain size ( Discover lied and didnt ) and they also told me that since I was unhappy with the outcome, they would give me a courtesy credit of {$500.00} ( Discover lied on that too ) Discover said we could call the merchant to ask them to take the TV back as I said they have information on their site stating but Discover card didnt do that either. I found it interesting when I spoke to the first person who took my information over the phone on my dispute and 2 weeks later, I spoke to another Discover claims person who wasnt helpful nor would she read the notes on my dispute to admit what the first Discover dispute person told me otherwise. The woman was basically denying me everything on my case and said we could offer you {$500.00} since your unhappy with Discovers decision but I never got the either. I reputably told the second woman at Discover that I said I dont think you understand what the case was told to me 2 weeks before, what Discover was going to do on this matter and your telling me a different story, I said read the notes. She said she did but was telling me a whole new story that if I had more evidence and we are not going to that the shipping fees into account either we promised you ; it was like I was being lied to the whole time. Discover had ignored the facts in my dispute that I canceled an order from a merchant who has a horrible customer rating online as I told Discover, read the facts I send on my case, I provided all the information on hundreds of 1-star reviews of people being ripped off etc etc besides my receipts, shipping label and emails I had on file.

What I want is a complete refund, I was completely mistreated by Discover card disputes department but also lied to by their people on what they were going to do, they didnt do. Seriously, why would I use my credit card for protection on this matter, I thought I had confidence Discover would be there for me if I had a problem with the merchant but in this matter, Discover was not help and in fact I think they wanted the merchant to get their money so Discover could get interests from my credit for example because they had the facts right in front of them, plain and simple but they mislead me.

On top of this matter, I am ready all the online reviews on Discover and its all negative information so its my view I am dealing with a credit card that mistreats their customers on so many matters that I have a reason to file my complaints because I am not alone on this matter.

Company response to consumer: Closed with explanation