Consumer complaint received 2023-09-07
Company: DISCOVER BANK
State: NC
Product: Credit 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:
The first letter is the one from Discover indicating the reversal of a XX/XX/28 alleged transaction for {$99.00} by XXXX XXXX. I tracked with the XXXX XXXX and the XXXX XXXX XXXX XXXX When I called indicated they had no record of this charge. Discover acknowledged that the XXXX XXXX never actually responded to their investigation query with any response documenting a charge. Discover reversed the {$99.00} against me with no documentation of any transaction or claim by the XXXX XXXX. 

The second letter regards my response to Discover 's claim against me. They refused to put in back in dispute as well. 

Dear XXXX XXXX, We've investigated your disputed transaction and considered any and all documentation we received from you. We also attempted to obtain transaction records from XXXX XXXX XXXX XXXX NY on your behalf. We were unable to validate the details of your claim and consider the charge to be valid. 

Case Number : XXXX Merchant Name : XXXX XXXX XXXX XXXX NY Dispute Amount : {$0.00} This means we've closed our investigation, we will reverse the temporary credit on your account, and we'll apply the charge to your account. This amount will be included in the calculation of your next minimum payment due and the calculation of interest on that statement, if applicable. Your next payment due date will be reflected on that statement as well. Please refer to your current billing statement for your current payment due and payment due date. 


We are required to report your account to the Consumer Reporting Agencies as a disputed account until you advise us to remove the dispute status. If you have any questions, you can call our 100 % U.S-based service team from XXXX to XXXXXXXX XXXX XXXX XXXX every day at XXXX ( XXXX ). 


Sincerely, Discover Card Customer Service The following letter is in response to the above. 

Attn : Billing Resolution XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX I contacted your customer service questioning the above decision by Discover. I asked for the specific written response from the XXXX XXXX indicating that the transaction documenting in writing the charge for {$99.00}. 

Today I spoke to XXXX ID XXXX in your department. We reviewed the above letter. I asked again for the specific written results, that is the transaction information verifying the charge from the XXXX XXXX. XXXX acknowledged that Discover never got any response from the XXXX XXXX ; yet she advised that Discover was charging me despite the lack of a response or any proof from the XXXX XXXX that Discover could send to me. 

I had been told by Discover customer service for subscriptions at XXXX XXXX XXXX XXXX days ago to obtain documentation. I was told that they had no record of the charge at all. I also spoke to a supervisor at XXXX XXXX. I reiterated the same thing. She had no record of a {$99.00} charge. I asked her for documentation. She advised her name was XXXX and the confirmation No. of this conversation is XXXX. As there was no record of the origin of the charge she suggested I talk to Discover since Discover reversed the charge. 

As stated earlier, Discover is basing their decision, not on any documentation of a charge from the XXXX XXXX, but because there was no response from the XXXX XXXX. I can not rectify any possible issue since the {$99.00} is not apparent in any of the XXXX XXXX 's record. Discover chose to decide that the lack of a response validated the charge. 

I have closed my Discover account after spending hours on this matter. I will pay my bill thus far in full minus the {$99.00}. 

I hope that you will make a decision based on the facts above since there is no documentation from Discover of an unpaid charge with XXXX XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation