Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (PA)

I have an ongoing billing dispute with DISCOVER card for XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX  REVERSAL OF TEMPORARY CREDIT {$220.00}, and a new billing dispute with same credit card DISCOVER for XX/XX/year> XXXX  XXXX XXXXXXXX XXXX REVERSAL OF TEMPORARY CREDIT {$91.00} I have spent an enormous amount of time and labor to upload documentation on DISCOVER 's website unsuccessfully, despite that my documents are uploaded in their preferred formats ( XXXX, XXXX, XXXX  ). Their website is technologically challenged and as sch it does not allow for uploading of documents. I have spoken to countless DISCOVER reps and supervisors and none has taken responsibility for the card 's outdated technology ; instead they forced me to send documents by fax, or mail at an out of pocket expense to me. Once I did they failed to acknowledge that they received them.

They unilaterally and arbitrarily reversed the temporary credits without providing the reasons for the XXXX XXXX XXXX {$220.00} As for the XXXX XXXX XXXX XXXX DISCOVER attached a brief letter on my account online stating they demand proof of return of the knockoff merchandise I received from a SCAMMER in XXXX along with a tracking number. DISCOVER did not acknowledge the documentation I emailed along with detailed photos of the knockoff merchandise, neither did it stipulate that I must return it and bear the cost of mailing a package to an unknown address in XXXX without a guarantee that I will get my full refund from the scammer by the name XXXX. This scammer runs advertisements on XXXX, XXXX and XXXX and operated from three different addresses, two in XXXX and one in XXXX, XXXX XXXX from an empty warehouse building that is offered for lease.

I have already been scammed out of {$91.00} for cheap, stained and used garments, DISCOVER is asking me to spend more money to send the package to an unknown, very long and suspicious address in XXXX with the hope I will be refunded. I have absolutely no faith in the scammer who does business in US by 2 names ( XXXX  ) and ( XXXX  ) and operates from 3 different addresses that they will refund me XXXX XXXX out of my {$91.00}. 
The address they asked me to return the garments is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is obvious to the naked eye that this is a fake, made up address and I will not risk paying expensive postage to mail the counterfeit garments, UNLESS Discover guarantees me that if the SCAMMER does not refund me my money, the credit card will.

To make matters even more stressful for me, DISCOVER banned me from communicating with them by phone because " I was not respectful in my phone communications to their reps '', and forcing me again to communicate via fax ( which I do not have ) and mail at my cost. 
I wrote a letter to DISCOVER 's Executive office of Customer Advocacy explaining how I feel I have been mistreated by their reps in being shoved from extension to extension and made to repeat again, and again the reason of my calls and what I was trying to accomplish and never once they admitted that the DISCOVER website for uploading documentation in support of a billing dispute is OBSOLETE due to outdated technology and DISCOVER 's unwillingness to update it and make its customers ' lives easier.

I've been a DISCOVER customer for over 20 years and always, paid my monthly balance in full. I will never forget the ingratitude, cheap corporate games and lack of customer support of this credit card and I will not cease to fight until I receive the justice due to me.