Consumer complaint received 2020-04-27
Company: DISCOVER BANK
State: FL
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:
XX/XX/XXXX Discover Card Purchase XXXX {$1700.00} XXXX salesman promised they would provide me with 15 to 20 High  Quality Real Estate Buyers per month for 3 months for $ XXXX/mo, but I had to pay in full up front. XXXX  email advertisements to me before I became a customer said, wouldnt it be nice to wake up every morning with Buyers & Sellers in your email box waiting for your call. Yes it would, but that never happened. By XX/XX/XXXX I had only received 2 Buyer names, one was 100 % Bogus, the other of which would never respond to any of my calls, texts, or emails. I requested a full refund from XXXX, also providing but they refused. They also said they have no control if the buyers are bogus or not but they still counted against my 15 to 20 per month. WHAT!!!! I filed a dispute on XX/XX/XXXX with Discover Card. On XX/XX/XXXX I received an email from Discover Card stating they found in XXXX favor. This was unacceptable. On XX/XX/XXXX I emailed Discover Cards corporate headquarters. I submitted evidence of my claim, evidence of XXXX false advertising & bad review after bad review of other dissatisfied customers making the same claims. I was completely scammed & lied to by the salesperson & XXXX 's false advertising of their High Quality Buyers. I received emails nearly every day with their same claim of wake up every morning with Buyers & Sellers waiting for your call in my email box to work with. Again, this never happened. Discover Card had XXXX in corporate give me a call. He said hed look into it & get back with me in a few days. When he called again he said they still found in XXXX  favor stating XXXX has an A+ Rating with the XXXX, that I signed an agreement & they can not do anything to help me & their decision stands. I said XXXX is not an accredited XXXX  business & all the complaints are filed on XXXX XXXX XXXX, & the XXXX  rating was false & inaccurate. I had not received anything I was promised nor anything of value & asked how I was supposed to get my money back or anything of value for this purchase. He said I would have to speak to the Merchant, XXXX. On XX/XX/XXXX I received a letter in the mail from Discover Card dated XX/XX/XXXX stating they found in the merchants favor including a letter from XXXX  which stated their response on XX/XX/XXXX that I signed a 3 month agreement but that XXXX  makes NO GUARANTEES on their performance. Did Discover Card really look into this as XXXX said, because they made their final decision on the same date I sent the email, on XX/XX/XXXX. I went over & over this with XXXX on the phone but he said there was nothing he could do & kept telling me they had an A+ Rating on XXXX. Again I said XXXX is not an accredited XXXX  business & all the complaints are filed on XXXX XXXX XXXX, & the XXXX  rating was false & inaccurate. But my rebuttal fell on deaf ears. Discover Card left me no choice but to crawl back to XXXX. They said they would keep my account active until they provided 45 Buyers. Remember I was supposed to receive 15 to 20 High Quality Buyers per month, which would be 45 to 60 High Quality Buyers total in 3  months. A supposed buyers name trickled into my email box a few times a month. As of XX/XX/XXXX I had only received 27 supposed Buyer names, with at least 5 absolutely 100 % bogus, which still counted towards my numbers. How can XXXX  advertise & claim Go Ahead, Picture Yourself at the TOPQuality Leads, Quality Life on their website. Not one buyer name provided was a Quality Buyer. Only 2 even gave me the opportunity to speak to them & they werent interested. On XX/XX/XXXX I received an email from the owner of XXXX he was closing effective immediately due to Covid19. I emailed Discover Cards corporate offices on XX/XX/XXXX with this information, reminding them of this crooked business, requesting this charge be reversed in full, requesting {$1700.00} be refund back to my card, stating The Fair Credit Billing Act passed in 1975 gives me the right to dispute a charge if Im dissatisfied & the merchant didnt provide satisfactory goods or service. I did so on XX/XX/XXXX. I also stated Discover Card did not do right by this Act in their decision & they did not protect me as a credit card customer. I stated this merchant baited consumers with false claims & false advertising & did not provide anything of value in return & did not provide satisfactory goods or service. XXXX was a total SCAM, RIP-OFF, A SHAM, APPALLING, UNSCRUPULOUS, MISLEADING, AND A FRAUD!!!!!! According to The Fair Credit Billing Act I demanded a full refund of {$1700.00} processed immediately back to my Discover Card account. Again corporate had XXXX call me appeasing me that hed look into it again. I received a call again today XX/XX/XXXX, their decision remains unchanged & they find in favor of XXXX. So the owner of XXXX walks away with my money without providing anything of value in return, without providing Quality Buyers in return & walks away with thousands, probably millions of dollars the rest of the public without providing Quality Buyers & Quality Sellers & without providing anything of value in return. Ive seen these kind before. XXXX had so many bad reviews hes closing up under the name XXXX & will reopen in a new business name with a clean slate.

Company response to consumer: Closed with explanation