Consumer complaint received 2023-09-06
Company: DISCOVER BANK
State: MI
Product: Credit 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/XXXX, I, XXXX XXXX entered XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, MI after speaking with XXXX XXXX. ( Exhibit B- Text Messages ). That same day, XXXX XXXX took my measurements and I paid {$2500.00} towards the purchase of a wedding dress. ( See- Proof of Purchase ) On XX/XX/XXXX, XXXX XXXX reached out to me for additional funds towards the purchase of the wedding dress. ( See- Text Messages ). 
I complied with the request and on XX/XX/XXXX paid an additional {$500.00} for the wedding dress. ( See- Text Messages ) ( See- Proof of Purchase ). 
On XX/XX/XXXX XXXX XXXX reached out to me once again for additional funds towards the dress. ( See- Text Messages ). 
That same day, I complied and sent Owner XXXX XXXX another {$500.00} via XXXX for the purchase of the wedding dress. ( See- Text Messages ) ( See- Proof of Purchase ). 
On XX/XX/XXXX XXXX reached out to me once again for additional funds towards the dress. ( See- Text Messages ). 
On XX/XX/XXXX, I complied and sent XXXX XXXX an additional {$1500.00} towards the purchase of the wedding dress. ( See- Text Messages ) ( See- Proof of Purchase ). 
On Saturday XX/XX/XXXX, I reached out to XXXX XXXX to follow up on the wedding dress that was paid in full, but received no response from XXXX XXXX. 
XXXX XXXX has since shut down her bridal shop ( XXXX XXXX  ) which was located at XXXX XXXX XXXX XXXX XXXX, XXXX, MI and ceased all communication. 
I never received the wedding dress that was fully paid for and has since been forced to obtain a replacement dress. 
On XX/XX/XXXX, I received a message from XXXX XXXX in which she says shes insolvent due to unforeseen circumstances and she is unable to deliver the dress ( merchandise ) within the needed timeframe. ( See Text Messages ) I along with several other brides filed police reports in the XXXXXXXX XXXX XXXX. The detective has now conducted a criminal investigation and informed myself and the other victims that the prosecutors office is pressing charges and they have an arrest warrant to arrest her. An officer had actually met with XXXX XXXX and she told him she can not get the dresses nor does the have the money to give refunds. The officer had his body camera recording and I did a Freedom of Information Act request asking for the footage. 
I filed a dispute with my credit card company ( Discover ). They denied my dispute before I was even able to get a copy of the police report. The report just became available and I uploaded it. I was unable to upload the bodycam footage through the dispute portal. Discover is refusing to issue a refund despite all of the evidence provided including the new evidence. I have now been forced to purchase a second wedding dress and I can not afford two wedding dresses. Despite uploading the police report, discover is alleging that the period for disputes had passed. I explained to discover and it is evident by the information I uploaded that I was not aware I was being defrauded until XXXX of XXXX. I had no reason to know I was being defrauded. 
I just want my money back. I'm already in the process of buying another wedding dress and I'm being forced to pay for two dresses.

Company response to consumer: Closed with monetary relief