Consumer complaint received 2018-06-12
Company: DISCOVER BANK
State: IL
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 previously filed a complaint ( XXXX ) against DISCOVER CARD for its unauthorized charge against my account. DISCOVER CARD did not even bother to type a letter and sent a copy of an unsubstantiated letter it conjectured and sent to me two years ago. So much for its customer service and response to a government agency complaint. 

The main points of my complaints are : 1- I signed a credit card authorization for a lawyer in XXXX  with specific STIPULATIONS : that if it does the contracted work to my satisfaction, it can then, put that charge through.

2- I had specifically added STIPULATIONS into the authorization form for a good reason : so, the lawyer can not use it without my consent.

3- Clearly, it was not an unfettered authorization. 39 4- The lawyer did not finish the work in accordance to the terms we have orally and in writing agreed to. In fact, he ruined my credit in the process, and did work against my advice and wishes.

5- I asked the attorney to refund my money because he had failed to perform. He refused.

6- I contacted DISCOVER CARD and disputed the amount in question which was XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX XXXX ( {$3900.00} ).

7- I stated to DISCOVER CARD that the AUTHORIZATION in question was CONDITIONAL, conditions were imposed by me above my signature, and only I can judge whether those conditions were met. They have not been met.

8- I explained to DISCOVER CARD that I have been a customer for 32 years and I have paid my bills on time, never ever late.

9- I explained to DISCOVER CARD that the other party is an attorney with a long list of state and local complaints against him and his practices. I provide DISCOVER CARD with XXXX  report giving the Attorney a failing grade F.

10- DISCOVER CARD took it upon itself to ignore me and take my money and give it to the attorney against my specific instruction not to do so. In doing so, DISCOVER usurped authorities that are vested in the judges in the court of law, not CREDIT CARD company staff.

11- I have explained to DISCOVER CARD that the Attorney was not entitled to that fund in any case. DISCOVER CARD stuck to its gun and stole my money and gave it to the law-breaking attorney.

12- It is now 100 % clear ( and it was clear to me then, despite DISCOVER CARD 'S intransigence ) that the Attorney was not entitled to that money : I have included three additional documents here to support my claim : ( A ) The attorney was in XXXX. I was in XXXX. According to XXXX law, he could have not represented me. DISCOVER CARD that saw it fit to sit in the judge 's seat and render opinion and judgement against me should have at least checked the laws. The attached document from the State Bar of XXXX shows that investigations about this attorney began in 2014 and culminated in him being disbarred for " for one year and placed on probation for two years. His suspension 's time frame is contingent upon paying restitution. He must make restitution of {$3900.00} to two clients. XXXX stipulated that he collected an illegal fee to perform home mortgage loan modification legal services in XXXX, where he is not licensed to practice. He committed similar misconduct with clients in XXXX, XXXX, XXXX XXXX and XXXX XXXX. He charged and collected legal fees for loan modification services in XXXX   before he had fully performed those services. In aggravation he had one prior record of discipline stemming from five ethical violations in two client matters. He has shown a pattern of misconduct. He caused significant harm to financially vulnerable clients. He showed indifference toward rectification and atonement for the consequences of his misconduct. He failed to make full restitution to two clients. '' Between its customer of 32 years and the attorney, DISCOVER CARD sided with the attorney. In fact, the attorney had not right to collect this money, and DISCOVER CARD which sat in judgment should have known the law instead of aiding and abetting the Attorney in its illegal acts.

( B ) I have attached screen shots from XXXX  showing the attorney rating is F, and from Yelp showing that the attorney is out of business.

I need DISCOVER CARD to send me a letter of apology and pay me back my money {$3900.00} plus interest.

Company response to consumer: Closed with explanation