Consumer complaint received 2023-07-13
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ca, XXXX XXXX XXXX Consumer Financial Protection Bureau Subject : Complaint against Discover Credit Card Dear CFPB I am writing to lodge a formal complaint against Discover Credit Card concerning the unjust rulings on three separate merchant disputes I have filed. I believe Discover 's decisions on these disputes have violated my rights under the Fair Credit Billing Act and have caused significant financial loss and damage to my credit score. 

Under the Fair Credit Billing Act, I am entitled to protection against unauthorized charges and the right to dispute billing errors, ensuring fair treatment from my credit card issuer. However, in the cases outlined below, Discover Credit Card has failed to uphold these rights : 1. Case of Dispute Date XX/XX/XXXX - Expedia.com : On this date, I filed a dispute against a charge of {$1400.00} made at XXXX. I booked a two-night hotel stay in XXXX, XXXX, but was denied entry to the hotel due to the ongoing unrest in the region. Despite my repeated attempts to contact XXXX and resolve the issue, I was unsuccessful. Consequently, I filed a dispute with Discover. On XX/XX/XXXX, Discover denied my dispute, claiming the charge was valid. I clearly indicated that the dispute was not regarding the validity of the charge, but rather the lack of service received. 

2. Case of Dispute Date XX/XX/XXXX - Bloomingdales : I filed a dispute regarding an in-store purchase made at XXXX. I specifically requested the purchased perfume to be delivered to my home address. Unfortunately, the package was never delivered to me, and it appears to have been lost or stolen. Discover 's response on XX/XX/XXXX alleged that I made the purchase in-store, which is untrue. I ordered the item for home delivery due to its unavailability in-store. 

3. Case of Dispute Date XX/XX/XXXX - XXXX : Similarly, I filed a dispute on XX/XX/XXXX concerning a purchase made from XXXX. Once again, the package failed to reach me and was either lost or stolen. Discover 's response on XX/XX/XXXX claimed that the charge was valid, without providing any evidence to support this decision. 

These unfair rulings have not only resulted in substantial financial loss but have also caused my credit card balance to exceed its limit by {$3000.00}. As a result, my XXXX credit score has suffered, and I have incurred significant interest charges. Discover 's disregard for the Fair Credit Billing Act has had a detrimental impact on my financial well-being. 

I kindly request that you review my case in light of the Fair Credit Billing Act and take appropriate action against Discover Credit Card for their infringement of my rights. Enclosed with this letter, please find copies of all relevant documentation, including original receipts, the dispute forms submitted to Discover, and their responses. I believe these materials will aid in your understanding of the gravity of the situation and the urgent need for a fair resolution. 

I sincerely appreciate your prompt attention to this matter and trust that you will take the necessary steps to rectify Discover Credit Card 's unfair treatment and restore faith in the consumer protection system. Should you require any further information or documentation, please do not hesitate to contact me using the details provided above. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation