Consumer complaint received 2015-12-23
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: Transaction issue

Complaint:
Early in XXXX I was researching suspension upgrades to my F350 pick-up truck. I went to the XXXX website and saw the complete kits to convert my truck to air spring suspension. I called the company and talked with the representative, XXXX, who said he could set me up with a bolt on kit. 
We conversed for a while trying to get details worked out about the bolt-on-kit contents and price. On XXXX XXXX, I ordered the kit with a number of upgrades. They charged my card on XXXX XXXX. On XXXX XXXX, the shipment arrived in damaged boxes. I took pictures of the boxes and opened them to determine if anything was missing. I could n't because there was n't a packing list with the shipment. 
I sent the pictures of the damaged boxes to the company and requested a packing list to determine if anything was missing. I still do n't have XXXX. I went on the website and looked at the product depictions there. I determined I was missing a number of items. I also had the wrong compressor in the shipment. The company XXXX : mailed me a shipping label which I used that night when I got home ( XXXX XXXX XXXX. I do not now have a compressor from the company. As near as I can ascertain, the shipment was missing a number of specialty bolts, some air hose, the protective housing for the air valves and controls, mounting hardware for the compressor, tank and dryer, and at least XXXX frame bracket for the suspension. In a later conversation, XXXX said they do n't supply the boxes anymore even though they are depicted on the website and in the installation documentation. On the phone, he suggested I try a truck stop to find the missing air line. 
On XXXX XXXX, I filed complaints with the Illinois XXXX, the Arizona XXXX, and Discover Card credit card. The company 's immediate response was they would do nothing until I reversed the complaint with Discover Card. They were true to their word. 
On XXXX XXXX I received a letter dated XXXX XXXX from Discover card. They said I had 10 days from the date on the letter to respond. They had determined that despite the evidence that the company was acting in bad faith and had in fact not supplied me with anything usable for my vehicle, they would return the complete amount to them. I asked for a supervisor, who told me the same thing. She was in Delaware. I called back and asked to speak with a supervisor again. This time she was in XXXX XXXX XXXX. She confirmed the same thing. In fact, she gave me an example. She said that if I ordered a couch, got it home and did n't like it, I 'd have to pay for the return costs. I explained that was not the case here. I was shipped a defective 'package ' that the seller wanted me to pay to return, both shipping and 20 % restocking fee. She reaffirmed that was correct. I gave her the example that I ordered a television set and what showed up was half of a toaster. She reaffirmed that I would still be liable for expenses because that 's what the purchase agreement was. I tried to explain that returning defective merchandise is not even close to " changing my mind about the color '', but she said they had rules and they would not consider anything else. 
Does a bad faith transaction bind me? 
I will be filing a complaint against Discover Card with the Illinois XXXX. 
I believe that both XXXX and Discover Card are both acting in bad faith to my detriment. 
As a side note. When I called the XXXX company, they never informed me that they are recording the conversation. In one of the e : mails, XXXX, the president attempts to intimidate me with the fact that they recorded my conversations. I believe this violates federal wiretap law.

Company response to consumer: Closed with explanation