Consumer complaint received 2019-04-18
Company: DISCOVER BANK
State: OH
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:
Dispute Update from customer Card ending in XXXX RE : Case Number : XXXX Merchant Name : XXXX XXXX XXXX  Dispute Amount : {$42.00} Attention : Discover Card Account Member Services Discover Card Fraud Department I have spent countless hours describing to Discover card member services the details on this matter. On XX/XX/19, the last two Discover Card representatives ( XXXX @ Discover Card Delaware call center, XXXX @ Discover Card Utah call center ) spent well over an hour documenting my inputs on the matter. I will also share them with you below. I will also be notifying the Ohio State Attorney General, CFPB, and XXXX. 

On XX/XX/19, I went into XXXX XXXX in XXXX and had XXXX as their sales representative / service provider for XXXX companies. I attempted to accomplish the following : 1. Terminate my unlimited grandfathered XXXX XXXX phone service. 
2. Transfer my XXXX neighbor ( XXXX XXXX ) XXXX XXXX home phone account I had as a sub account under my former address to his own account. You can see this in the pdf file that XXXX provided. 
3. Activate my XXXX XXXX Phone/Device as a month to month phone plan with a seperate XXXX Month to Month account ( totally separate company from parent XXXX XXXX ).  NOTE, that # 1, # 2 and # 3 above ALL conflicted. 

XXXX XXXX and their lack of ability to manage accounts as a 3rd party provider of XXXX services caused the following problems : 1. The new phone WOULD NOT function! The only functions it had were to dial *XXXX. Doing so went to XXXX XXXX, who has nothing to do with their sister office that provides month to month service. Like 2 different companies. The telephone number would not even work, as ONLY XXXX is all the phone would dial. 

2. XXXX compromised my social secirity number. I spent two weeks straightening this out. They had my information and XXXX XXXX completely mixed up! Furthermore, they would not allow me to resolve because they had his social security number on MY account. I STILL AM RECEIVING EMAIL BILLS ADDRESSED TO XXXX. I may have to file a police report on this. Fortunately, a XXXX rep fixed this just prior to XXXX for me, and sent me a confirmation email on the matter. 

3. I had 2 XXXX managers hang up on XXXX and I, and I honestly lost track of every time ( 5+ ) I thought I was finally talking to the right manager/supervisor, only to be told I had to call the other office. 

4. I called XXXX XXXX and was told that I had a better chance of dealing directly with XXXX than they did. They apparently have 1 rep and usually takes at least one day for him or her to get back to them, per XXXX. 

Bottomm line, this was not only less than one month worth of service for a partial refund, or me saying or complaining of bad service, this was a non working phone, NO SERVICE except for XXXX and to make matters final, while trying to work this out with XXXX , they terminated my service completely, cutting me off in mid conversation. 

I insist that Discover Card come up with a plan to protect their customers. When I authorize a charge, and find it to be fradulent, defective, whether a partial or full refund, I expect it to be honored, without question. In this case I clearly had ZERO functional service. 

As a retired military member that has served around the globe for over 26 years, I am frustrated at companies that find it easier to steal from customers rather than provide support. In this case, I find Discover Card more at fault than XXXX XXXX, XXXX Month to Month and XXXX XXXX. 

Please ensure Discover Card does their duty to refund the money I paid for NO service. If there are future problems, let customers settle matters in the courts. Do not compromise my account, or use my funds where I clearly specify you have NO permission to do. REFUND THIS MONEY IMMEDIATELY! 


/signed/ XXXX XXXX XXXX XXXX, XXXX CC : Ohio Attorney General CFPB XXXX

Company response to consumer: Closed with explanation