Consumer complaint received 2019-10-10
Company: DISCOVER BANK
State: GA
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:
On XX/XX/2019, I hired a XXXX XXXX company to remove a flying squirrel from my attic. The company was supposed to seal all entry points, retain the animal, place gutter guards to insure no re-entry was possible and lastly remove the contiminated insulation and replace it with new insulation. On XX/XX/XXXX, the animal had not been detained and the company started placing gutter guards damaging my gutters and my roof. I ultimately fired XXXX XXXX due to damages to my house. I then had to to hire another company, XXXX  XXXX, to come in and do the work. XXXX   XXXX, came, sealed the entry points, detained the animal, and started the insulation process. I was then billed by XXXX XXXX for {$3600.00}. I used my Discover Card and paid for the services in full, upfront. I disputed the fraudulent charges with Discover 3 times. I sent them pictures of the damages and Discover would not listen. Discover then sent me a letter stating the company was willing to decrease the bill {$790.00}. I continued to explain that the company failed to do as they had promised and damaged my house. I explained that the work was not done by XXXX XXXX but by XXXX XXXXXXXX and offered to send them a copy of the work orders received and paid to XXXX  XXXX. Discover replied that they were trying to be fair to the Merchant and because they had shown written documentation ( fraudulent ) of the work being done by them they were entitled to be paid. They also stated that they would not accept 3rd party documentation ( an explanation and bill from XXXX  XXXX ). They said the only way the charges would be reversed was if I got a letter from XXXX XXXX stating that they owed me money and didnt do the work. I have since cancelled my account with Discover, am in the process of filing a complaint with the XXXX XXXX XXXX, and a lawsuit against XXXX XXXX for fraudulent practices for not only is Discover billing me for their fraudulent services, XXXX XXXX is billing me for the fraudulent services, added on late fees, cancelation fees, and has reported me to a collection agency. Below is a summary of my experience with XXXX XXXX. 
******I hired XXXX XXXX Removal to assist with a problem that I had in my attic. The company sent a representative out on XX/XX/2019 and it was deemed that I had flying squirrels. The company was supposed to trap the rodent, close the holes, remove the current installation, replace it with new installation, and place gutter guards. A contract was signed and paid in full via a Discover card. 

From XX/XX/2019 to the date that I had terminated the contract on XX/XX/XXXX. The following is a recap of my interaction with this company : 1. Unprofessionalism of the customer service representative. 
- Arguing with a customer about the wrong doing 's of a previous employee 's performance is unprofessional. Trying to explain that the poor performance displayed is as a result of former employee is unacceptable practices. In truth the original assessor ( XXXX ) exhibited the best work performance. 
- Agreed upon dates for work to be performed and completed not met. 

- Continued conversations about dates that are not available for the work to be performed and yet the work is scheduled on the times convenient for the office and the scheduler and not the customer.

2. Multiple conversations r/t arrival dates and times. Yet the service men showed to the residence with out knowledge that the appointment had been cancelled ( XX/XX/XXXX ). 
- On XX/XX/XXXX - Agreed the appointment was supposed to start between XXXX XXXX and when called to confirm a 2nd time the work was slated for XXXX and still one service man showed 1 hour after the other and the work still had not been completed. 
-The work that was performed was done on XX/XX/XXXX was poorly done. The gutters are pieced together and uneven. 

3. The mouse traps places were only assessed twice since they were placed. 

4. With each day of service wasted, I lose a days pay. 

To date, the original assessment date of XX/XX/XXXX was cancelled and rescheduled because of a conflict to XX/XX/XXXX. The work began on XX/XX/XXXX and needed to be continued. The service man showed on XX/XX/XXXX to complete the work but the weather was rainy, the ground was wet and unsafe and the area was too dangerous. I was okay with this rescheduled appointment. XX/XX/XXXX a service man shows only to find out that the work had been rescheduled and his assistant was sent to another job. On XX/XX/XXXX the appointment time for XXXX was scheduled for XXXX. The XXXX service man showed and the 2nd 1 hour later. After leaving and returning home I found the work to be incomplete and poorly/incorrectly done. The gutters were uneven and the nails sticking out. This is unacceptable. Thus, with great disgust and disappointment in this experience. I would again like my monies refunded, the work ceased immediately, and the materials returned to your company. 

I did get a return call from the owner demanding that I pay him. 

Again, I reached out to Discover and on many other occasions regarding these fraudulent charges and they refuse to listen stating they don't take invoices from 3rd parties. They reiterated that they believe this company has completed the work based on a fraudulent invoice they generated stating the work was completed. XXXX XXXX has contacted me numerous times trying to get me to pay even though Discover has already paid them. Discover should have not paid them because I reported it as fraud and I am not being double billed. I am in the process of reporting the company to the XXXX XXXX XXXX  as well as I am pursuing legal action.

Company response to consumer: Closed with explanation