Consumer complaint received 2020-12-22
Company: DISCOVER BANK
State: IL
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:
Attn : Consumer Financial Protection Bureau, And as such, this serious and in written complaint is against the entity of discover financial institution reflecting a charge that was made out on XXXX, XXXX, 2020, through XXXX, and with a series of shared and verbal telephonic information in which was provided by the agent at the time of such transactional happenings. " In further, the XXXX.XXXX agent stated when asked by me, if they were affiliated with choice hotels, and her answer was yes, '' and along with other duped and fanagled doings by such agent to enrich herself firstly, and along with XXXX.XXXX  in which she represents by means of imposterizms and commissionary advances un-ethetically. 

However, other unethical deeds was being verbally carried out by the same agent representing XXXX.XXXX  to where she stated, " you'll be sent to an affiliated hotel where it's rated with a four/half-star with everything, but if for some reason when you arrive and things are not up to ideal house keeping standards across the board, then don't hesitate to reach out to us here at XXXX.XXXX  and we'll make it right accordingly. '' Moreover, all such verbal releases by such agent turned out to be all for nothing as the hotel which is located in XXXX, illinois, is not a member of choice hotels, but not only that it wasn't readily prepared in a welcoming cleanse-liness etc. And these things I reported to the front desk for cleanings, refunds, removals, transfers, and along with the request for immediate and monetary refund by XXXX in which turned out to be extremely difficult to resolve at all respectable levels of mine. 

More broadly, I later detected a surprising and added on surcharge as a service fee amounting to {$19.00}, by XXXX.XXXX  which further raised my antennas in discovery that choice hotels charges no membership fees. " In further, I called in this extra additives telephonically to XXXX.XXXX  and questioned the whole matter but was given vague responses as always, and with stalled promises to hold tight, meaning be patient with us and give us time to get with management of the hotel management verbally, and we'll request for a transfer, or an immediate refund. '' " And these behaviors were the constant norm by XXXX.XXXX  litany of agencies that I came in contact with repeatedly to fix all matters across the board. '' And then it became apparent that all such agents were not up to the task by any means of decency 's as they made verbal promises to wait for a manager of theirs to reach out for a resolution, with a time frame of 30, to 45, days repeatedly and as a way of purposely dettering and frustrating the entire processes. In continuation the only fees that was ever recovered was XXXX.XXXX  sur-charges of {$19.00}, to this day and that's because I believed that I utilized the rightful deeds differently towards XXXX that they would be reported disputedly to discover 's entity, and along to other bodily of governmental agencies. 

More broadly, and differently speaking, these aforementioned has been brought to discover 's financial and credit card department for a disputed approach by means of in writings, and by means of verbal telephonic communications. However, discover has treated my sincere reports with means of irrespectives, disdains, no compunctions, unfairities, and the approach-ful means of the repeated castings of aspersions, and in further, favoring every generic, sub-par and un-user-friendly documents in a heinous and with the acts of intentional and definitive favors reelingly towards XXXX. 

" Furthermore, they discover personnels have given me a hopeful outliers from the onset, and by furtherly saying, they'll push my matter up to their last leg, such as their in house arbitration board 's, but not only that they've constantly informed me that all the while when XXXX.XXXX ... Has provided their entity with documents to support their XXXX.XXXX  ... claims that they reservations.com, once again, claims were not valid enough to support XXXX, claims, and so, we're denying them being XXXX. '' And these verbal exchanges were relayed to me telephonically, and as well as in written responses to me in which supports a disputed amount of {$430.00}, deed-fully. 

Progressively speaking, I've escalated the matter countlessly to discovers executives that represents discover financial entity as advocates but I don't feel like anything concerning my matters of importances will be met with a fair resolution as XXXX has showered me with convoluted-ness and otherly litany of misleading information on this newly matter, as well as otherly ongoing matters as I've shared indifferently speaking etc. 

Advancingly speaking, this is what many consumers and oversight governmental agencies would undoubtedly deem as no fair care for the the little consumer or consumers for that effect, and an approach of disgraceful handlings atrociously, and the sweeping of the smaller consumer matters under the rugs while favoring XXXX, matters unconditionally ... " And most recently a discover supervisor has made a symbolicly and shared verbal claims, that XXXX is one of their big companies that they have to treat with all fairness as well on XXXX2020, between XXXX, EST. '' Furthermore, these developments easily can be painted as ethical fallacies, rationale fallacies, and further definitive means as gravalicious nepotism 's at best which in further is deeply non-de-minimis supporting means of grossly negligence of major and disturbing culpabilities undoubtedly speaking etc. 

" Furthertively speaking, XXXX  has now sent me two  thicked and lengthy paperwork to where they XXXX are stating that all their options has now been exhausted to further support my disputes, and that it's best that I autonomously reach out to the agent to work and settle whatever disputes. '' This is what I've been saying all along that discover is a culpable and grossly, and sickening unfair entity that favors a multi-million-dollar chain to further enrich their indecent entity etc. 

In addition, such paperwork that has been sent to my well-being, is not one where it's user-friendly in a fair readable manner for me to rightfully rebuttal XXXX.XXXX, imposter advances, and I reproachably criticized XXXX  for making such extremely poor disadvantages to me to challenge XXXX, alibis furtherly speaking. And why is it that such a enriched entity of XXXX  would conduct themselves in such purposeful and disturbing negligence etc? 

In my finalization now, I'm requesting for a litany and justful investigation to be launched against discover credit card entity, and for this information to be shared with all bodily and governmental agencies, especially my states attorney general 's office, as I feel that discover is not an entity that can be trusted in any fair ways to begin with in general. Therefore, a justification of well warranted justices with steep penalties should be followed by means of disciplinary and actionable 's of enforcements, given the nature if these troubling acts as it further has no place in this financial and institutional marketplace. 

Please note : I am requesting for the two thickness of XXXX XXXX to be shared with the CFPB, in which was sent to me twice, and please, no alterations or tampering to such paperworks ... That way the CFPB, and otherly oversight agencies can see what was sent to me disadvantagely as a mean to deter my way of challenging respectfully etc. And it's only discover 's front page cover and in which is the same lettery page that was made readable only with discover 's underlying and cold calculated instructionary dismissive-ness. 

Also, they're XXXX photos attached to further validate my shared chronicles.

Company response to consumer: Closed with explanation