Consumer complaint received 2018-01-20
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Case Numbers : # XXXX, # XXXX, # XXXX, # XXXX, XXXX Discover Card Discover Card Customer Service XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Dear Discover Card : In XXXX, I purchased a new XXXX XXXX XXXX XXXX XXXX that provided me with a free trial of XXXX XXXX XXXX XXXX. XXXX XXXX continued to rollover a yearly fee for XXXX XXXX XXXX from the expiration of the free trial in XX/XX/XXXX until XX/XX/XXXX. XXXX XXXX charged my Discover Card each year in different amounts. No written notification was made through the United States Postal Service. I have not received any notification from XXXX XXXX to my current email address for the past five years. I didnt notice the charges through Discover Card until XX/XX/XXXX. XXXX XXXX fraudently and without authorization charged my Discover Card without my knowledge and consent from XXXX until XXXX. On XX/XX/XXXX, I informed XXXX XXXX via telephone to immediately cancel the automatic renewal of your charges for XXXX XXXX XXXX. XXXX XXXX representatives ( XXXX, XXXX, XXXX, and manager XXXX ) refused to cancel service. They all refused to refund a prorated subscription amount from XX/XX/XXXX through XX/XX/XXXX. 

The California Business and Professions Code Section 17600, et seq., prohibits retailers, vendors and service providers from charging consumers accounts without express and explicit consent. The Fair Credit Billing Act ( FCBA ) provides that under federal law, a consumer is protected by unauthorized charges. Federal law limits consumer responsibility for unauthorized charges to {$50.00}. The FCBA requires creditors to send bills to your current address at least 20 days before the billing period ends. Despite having my current mailing address ( XXXX XXXX XXXX, XXXX, CA XXXX ) as evidenced by their transaction details on page 5 of the letter I received from Discover Card on XX/XX/XXXX, XXXX XXXX failed to notify me in writing at that address for the billing and charges from XX/XX/XXXX thru XX/XX/XXXX. 

Charges were accessed in the following amounts for a total of {$370.00} : XXXX {$21.00} ( XXXX/XXXX/XXXX ) Discover Dispute # XXXX XXXX {$75.00} XXXX XXXX Dispute # XXXX XXXX {$86.00} XXXX XXXX XXXX XXXX Dispute # XXXX XXXX {$97.00} XXXX XXXX  XXXX XXXX Dispute # XXXX XXXX {$96.00} XXXX XXXX XXXX XXXX Dispute # XXXX On XX/XX/XXXX, I spoke to Discover representative XXXX in Ohio to dispute two transactions in the amounts of {$96.00} for XX/XX/XXXXand {$97.00} for XXXX by XXXX. I also requested Discover Card to block any XXXX charge by XXXX XXXX. XXXX indicated that XXXX charges would be blocked until XX/XX/XXXX. On XX/XX/XXXX, I spoke to Discover Card representatives XXXX and XXXX to dispute the amounts of {$86.00} for XXXX, {$75.00} for XXXX, and {$21.00} for XXXX. 

On XX/XX/XXXX, XXXX found the XXXX transaction to be valid, on XX/XX/XXXX, found the XXXX transaction to be valid, and on XX/XX/XXXX, XXXX found the XXXX, XXXX, and XX/XX/XXXXtransactions to be valid. Discover stated in all disputes that weve completed our investigation of this transaction. During our review, we considered all information and documentation we received from you and we attempted to obtain transaction records from the merchant... We regret that we are unable to validate the details of your claim. Accordingly, we consider the charge to be valid... The charge will remain on your account and temporary credit will be applied to your account will be reversed. In a mailed letter from Discover dated XX/XX/XXXX, the disputed transaction XXXX in the amount of {$96.00} was rejected and the investigation by Discover was closed. Discover received a letter dated XX/XX/XXXX, from the Chargeback Department of XX/XX/XXXX XXXX. In the letter XXXX XXXX stated that the customer has ordered and received the product. That is a false statement because I never ordered the product. XXXX contends that this charge is an automatic renewal and that there is a 60 day money back guarantee. A customer can contact our customer support team to receive a refund of the renewal amount. XXXX has been using my Discover Card Account Number fraudently for the past five years without my permission. They have used my Discover Card account number ending in XXXX with a false expiration date of XXXX. This is credit card theft. Discover has processed these charges with my Discover Card account without prior personal authorization and notification to me as the card holder and with a false expiration date. As of this date, I havent received from Discover any documentation from XXXX XXXX regarding Discover Disputes # XXXX, # XXXX, # XXXX, and # XXXX. Discover conducted no investigation. Discover relied solely on merchant information that is false and approved transactions with an incorrect expiration date on my credit card. I hold Discover negligent in authorizing these purchases. 

To resolve the problem, I am demanding a final credit totaling {$370.00} with interest to my Discover Card account. I look forward to your reply and prompt resolution to my dispute. I will be contacting the Consumer Financial Protection Bureau of the Federal Trade Commission and the Federal Deposit Insurance Corporation to file grievances regarding this matter. Please contact me at the above mailing address. 

Sincerely, XXXX XXXX XXXX XXXX. 


In Addition : XX/XX/XXXX To : Discover Card From : XXXX XXXX XXXX XXXX. 
Re : Dispute with XXXX Dispute # XXXX XXXX XXXX I have disputed charges from XX/XX/XXXX with XXXX on my Discover Card for services that I did not authorize. 

XXXX used my discover card fraudulently for four years as an automatic renewal without my knowledge or consent. I never requested XXXX to renew use of their software since I had an initial subscription when I purchased a new computer in XXXX. On XX/XX/XXXX, I informed XXXX to immediately cancel the automatic renewal on my card. That is when I realized that XXXX was charging my Discover Card for the past four years usually at the end of XXXX. Customer service representatives who refused to cancel service included XXXX, XXXX, XXXX, and manager XXXX. They refused to even refund a pro-rated subscription amount from XX/XX/XXXX through XX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX CA XXXX Norton was sending renewal emails to an email that I no longer used. XXXX used an updated personal Discover Card number, of which, I dont know how they received it. I am requesting that XXXX issue credits to my Discover Card from XXXX after my free trial subscription. 



XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation