Consumer complaint received 2015-06-19
Company: DISCOVER BANK
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX, XXXX, my husband and I entered into a written contract to purchase XXXX vehicles from XXXX XXXX XXXX for the trade of XXXX vehicles and {$4000.00}. It was specifically discussed and agreed that the {$4000.00} was to go to the payment of the negative equity ( difference between the trade-in value and car loan balance ) on the XXXX XXXX XXXX. Vehicles to be purchased : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Vehicles to be traded : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX Passport. 
XXXX advised they were unable to locate the specific XXXX XXXX that we wanted, so they asked to change the vehicle to a XXXX XXXX XXXX XXXX in its place. They further stated that no other terms of the agreement were going to change, only the vehicle. All parties agreed. 
XXXX XXXX, XXXX, we went to pick up the vehicles. Once there we were told that the wrong color vehicle was ordered for myself. They would continue searching for me a vehicle, however, my husband 's vehicles were there so they wanted him to accept delivery of the XXXX of the XXXX vehicles that day. My husband stated that he was not comfortable taking his XXXX vehicles before my vehicle was there. XXXX XXXX XXXX assured us that nothing was going to change in the deal. So my husband reluctantly agreed to take delivery of XXXX of the XXXX promised vehicles. While signing the paperwork, my husband noticed that XXXX of the trades and the entire {$4000.00} was applied to his XXXX purchases instead of what was originally agreed to. We were told that it was necessary for them to change the numbers around so that they could get more rebates from the manufacturer. But they again promised, that there would be NO negative equity applied to the XXXX XXXX XXXX purchase. Reluctantly, my husband signed the paperwork and took delivery of XXXX of the XXXX promised vehicles. 
XXXX XXXX, XXXX, I went to the dealership to complete the deal, only to find out that negative equity had been added back into the new loan payment, which is NOT what was agreed upon. Since the terms did change, I refused the delivery of the XXXX vehicle. 
I attempted to work with the dealership for a resolution. The dealership refused to refund the {$4000.00} and also refused to deliver the XXXX XXXX XXXX under the terms that had been agreed upon. 
XXXX XXXX, I contacted Discover to initiate a dispute of the XXXX {$2000.00} charges from XXXX XXXX XXXX due to breach of contract and non-delivery of merchandise as agreed. Discover card assigned XXXX dispute numbers to the transactions. That same day, I faxed a detailed letter explaining the dispute, along with XXXX other pages of proof showing the transaction was not completed as agreed. 
XXXX : Discover added {$4000.00} back to balance, XXXX XXXX XXXX sent copy of receipt as " proof '' money was due on XXXX XXXX and XXXX XXXX purchases, disputed XXXX : Uploaded to Discover more paperwork demanding a refund from XXXX of XXXX or completion of XXXX, and XXXX, and XXXX : Uploaded more paperwork showing their refusal to refund money, even though they admitted the {$4000.00} was supposed to go to the sale of the XXXX vehicle which had not taken place. XXXX of XXXX refused to complete the transaction. XXXX disputed the {$4000.00} being added back to the credit card XXXX : Discover sent letter that dispute is under final review and to send any final XXXX : Uploaded proof proposed vehicle not in inventory XXXX : Uploaded proof XXXX car purchased from completely different dealership and {$4000.00} paid to them for negative equity of XXXX XXXX XXXX XXXX : {$4000.00} added back to balance. Called Discover to report credit card fraud. Card # changed and dispute reopened-Called XXXX, XXXX, XXXX, XXXX, XXXX. Told even though the deal was n't complete, and they admitted they did n't do what was agreed upon, its our problem should n't have signed receipt

Company response to consumer: Closed with explanation