Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (FL)

Greetings. On or about XXXX XXXX, XXXX, while traveling, I was checking bills and noted an unauthorized charge on my Discover account from XXXX XXXX for XXXX. It was for a web domain on a business " closed '' in XXXX to XXXX time period. The charge is to allow the web domain to be up through XXXX. During that time period I had contacted XXXX XXXX via phone to cancel my services. The business email I was using was forwarded to a gmail account I had set up and all services would expire. I called Discover and XXXX XXXX to dispute the charge. Discover filed a dispute. I was not able to resolve the issue with XXXX XXXX as they wanted me to fill out a form, and I was unable to at the time because of my travels and limited internet access. Upon my return home, I was able to access my XXXX XXXX account and the gmail account my business email had been forwarded too. I found the Discover card on file with XXXX XXXX, which had been used for this charge, expired in XX/XX/XXXX. I also note the primary card, which should have been tried first, an XXXX XXXX, expired in XXXX and apparently the charge was not accepted by XXXX XXXX. I also found XXXX emails from XXXX XXXX, XXXX from the end of XX/XX/XXXX, and the other from XX/XX/XXXX acknowledging payment methods were invalid and an auto renew could not take place. However, Discover allowed the XXXX XXXX charge, on an expired card, to go through resulting in the XXXX charge. I did not authorize this charge, I believed all my services had been cancelled, and Discover allowed a charge on an expired card. Discover denied my dispute saying the merchant had provided documentation. The documentation is completely incorrect as far as an address, phone number etc. Additionally, the charge shows it was made on a Discover card, but there is no information on the receipt showing the date of card expiration. I don't know if this was intentionally done by XXXX XXXX or Discover, or both, but in any event the card was not valid having expired in XX/XX/XXXX. I requested Discover keep the dispute open so I could provide the information described above to them but was told I could only keep the dispute open if I could provide documentation of a cancellation. We are talking at least XXXX years ago this occurred, and anything I would have is in storage, and could take days, if not months of tracking down. On my return home, I filled out the form requested by XXXX XXXX to request a refund, and I was able to access the XXXX XXXX account to cancel the auto renew. I attempted to delete the product but was unable too, with a dialogue box saying there was something in progress on the account. I have spent hours trying to resolve this issue without success to this point. It is very frustrating given XXXX XXXX acknowledged the auto renewal could not occur because the payment methods were not valid, and Discover allowed a charge to go through on an expired card. I have sent the additional documentation noted above to Discover even though I was told I could only pursue the dispute if I could show documentation of a cancellation. Discover has placed the charge back on my account. To date, I have not heard from XXXX XXXX about a refund. Appreciate any assistance that can be provided.