Consumer complaint received 2019-01-23
Company: DISCOVER BANK
State: MI
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:
RE: Dispute with Discover Card over billing for merchandise not received

In XX/XX/2018, I received email that XXXX/XXXX stores were having an online bankruptcy sale. I placed a two large orders on my Discover Card on XX/XX/2018 and XX/XX/2018, and awaited the arrival of the merchandise. However, I was notified that the merchandise was damaged in transit and sent back directly to the merchant.

After failing to receive proper credit for these charges, on XX/XX/2018, I notified Discover Card that I wanted to dispute the charges and have them reversed, as I did not receive the merchandise. (I also sent copies this request to XXXX, but did not receive nor expect a response due to the bankruptcy.)

Discover did not reverse the charges. In XXXX-XX/XX/2018, Discover sent several letters stating that the charges appeared to be valid and they supplied me with copies of XXXX/XXXX  delivery receipts showing the merchandise was shipped to me. However, XXXX/XXXX  supplied incomplete information to Discover. In XX/XX/2018, I mailed Discover the complete information that demonstrates that the merchandise was sent back directly to the merchant as being damaged in transit. I did not receive the merchandise. Although XXXX supplied Discover with information showing the merchandise was shipped to me, the information was incomplete.Again, on XX/XX/2018, I once again faxed the delivery receipts to Discover showing that the merchandise was shipped directly back to XXXX as Damaged. Discover once again ignored this information, stating that charges appeared valid, and has continued to charge me for merchandise not received. On XX/XX/2018, after receiving further form letter responses from Discover, I again faxed them information showing that the merchandise was sent back directly to the merchant. I also asked informed Discover that I am prepared to go to court over this matter. On XX/XX/2018, I faxed the Discover legal department, asking for an explanation as to why I am responsible to pay for merchandise that was not received. I also asked for a copy of my contract with the credit card (Discover Card) and I asked them to supply me with the proper name and address for filing a lawsuit. I have not received a reply to this last fax. 

I am mystified as to why Discover continues to inform me, through form letters, that I am responsible to pay for merchandise that was not received by me. It has not been explained to my satisfaction, rather Discover continues to send to me form letters stating that the charge is valid. I suspect that no one at Discover has bothered to examine the documentation I have religiously sent and re-sent to Discover.

The transactions are complicated. Rather than billing Discover as two large orders, XXXX/XXXX has billed my credit card per item. This might also hinder proper credit.

At the end of this narrative, I am attaching a list of the charges, temporary reversals, and rebilling of reversals from XXXX/XXXX. The total that Discover continues to bill me, and now charge interest on, is $XXXX.

I also sent a demand letter asking Discovers legal department to contact me about either reversing the charges or sending me the appropriate address and information for filing a small claims court case. I have not received any reply.

XXXX/XXXX filed for Chapter XXXX   bankruptcy in XX/XX/2018. Newspapers reported in XX/XX/2018 that XXXX XXXX took over XXXX and its subsidiary brands after purchasing the defunct department store chains intellectual property. The XXXX Stores Inc., which had dual headquarters in XXXX  and XXXX, Pennsylvania, closed at the end of XX/XX/2018 after liquidating its merchandise. 

A consumer advocate suggested that I contact the Consumer Financial Protection Bureau about this matter. I am hoping that CFPB can intervene in this matter so that I can avoid filing a lawsuit.

Trans. date	Post date	Description	Amount
XX/XX/18	XX/XX/18	XXXX XXXX XXXX  XXXX XXXX PA	XXXX  
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PA	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PA	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX   PAREVERSAL OF TEMPORARY CREDIT	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PA	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PA	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PA	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXXXXXREPOST OF DISPUTED TRANSACTION	XXXX  
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX   PAREVERSAL OF TEMPORARY CREDIT	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PA	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PA	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PA	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PA	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PA	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION	XXXX  
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX   PAREVERSAL OF TEMPORARY CREDIT	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT	XXXX  
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PA	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PA	XXXX  
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PA	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PA	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION	XXXX
XX/XX/18	XX/XX/18 XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT	XXXX  
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT	XXXX
XX/XX/18	XX/XX/18	BXXXX XXXX XXXX XXXX XXXX PA	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PA	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PA	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT	XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT	-XXXX  
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT	-XXXX  
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX   PATEMPORARY CREDIT PENDING INVESTIGATION	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX   PATEMPORARY CREDIT PENDING INVESTIGATION	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION	-XXXX  
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX   PATEMPORARY CREDIT PENDING INVESTIGATION	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION	-XXXX  
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX   PATEMPORARY CREDIT PENDING INVESTIGATION	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION	-XXXX  
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION	-XXXX
XX/XX/18	XX/XX/18	XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION	-XXXX

Company response to consumer: Closed with explanation