Consumer complaint received 2023-06-24
Company: DISCOVER BANK
State: TX
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: Overcharged for something you did purchase with the card

Complaint:
Case # : XXXX, Merchant : XXXX XXXX at XXXX XXXX XXXX XXXX TX. When I realized I'd been scammed by an online con artist, I notified Discover ; they issued me a temporary credit and started a dispute. Dispute lasted 6 months, with funds moving back and forth from me to the scammer. Discover said they used arbitration who favored the merchant scammer. He provided no new evidence from the last time Discover reversed the funds back to me, yet they gave him my money insisting they were bound to the con artist 's terms of service of no refunds. I provided tomes of evidence showing the scammer didn't do what I payed for and showing the horrible mistakes he made as he sent me a fake cobbled together document with his worthless opinion of a forged handwriting situation, he charged me a retainer of {$1900.00} when the fee should have been {$400.00} or {$990.00} according to his fee schedule at the time of the transaction. He didn't perform according to retainer but gave me a verbal and written opinion. He refused to give me an invoice or answer my questions once I realized the ripoff. He has virtual offices across the country, hides behind many phone numbers, emails, web pages, is just a master of illusions acting a role with fake props.

He has since changed his website and doesn't publish his fees. He lied about me to Discover in his responses to them. Yet, Discover gave him my money that I did not agree to ; I did not agree or sign on to be ripped off. They essentially gave the rip off artist free reign to rip me off of {$1900.00}. I even sent them Rip Off report where many people have reported the creep for years. They just kept saying they were " bound '' by his terms. It would depend on who I spoke with at Discover ; two people said Discover had a fund they could give me back my money ; even if they couldn't get the money from the " merchant. '' When I told them they said no, that wasn't true, it always depended on who i spoke with. They told me to complain to the attorney general and resolve it outside of Discover, they couldn't do anything for me. It's terrible when a credit card company empowers and sides with a crooked " merchant, '' an enables con games, lies, and thuggery to exploit their cardholders. When they did me like that, I closed my account with Discover. They had no regard for my rights as a consumer. There is something terribly wrong when a credit card does this sort of thing. When I asked them for an explanation as to why they would believe that thug and give him my money in light of all the evidence of the ripoff, they would just say each case is different. One lady did say thought that they believed me and that's why they spent the {$500.00} to take it to arbitration. Yet, in the end it didn't matter as Discover claimed bondage to the merchant and let him get away with ripping me off. Discover didn't care that they lost a customer. I want my {$1900.00} back!

Company response to consumer: Closed with explanation