Consumer complaint received 2024-10-18
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 (IL)

Discover Card refused to stop payment on what I discovered to be a scam. The transaction was made to XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX XXXX has failed to fulfill the obligations outlined in the Section 8 Mentorship Blueprint contract, signed on XXXX XXXX XXXX, between myself and XXXX. Despite multiple attempts to resolve the matter directly, they have not delivered the promised services. As such, I am requesting a chargeback for the amount paid.
Breaches of Contract:
1. Failure to Provide Guaranteed Initial Revenue:
The contract explicitly states that "a guaranteed initial revenue is assured 
within 6 to 8 weeks" (Section A). This timeframe will soon pass, and no 
revenue has been generated nor hand-holding to get the process started . 
Despite this failure, XXXX has not offered the additional services necessary to 
meet this guarantee.
2. Failure to Provide One-on-One Mentorship:
The contract promises "one-on-one breakdown calls" to develop a strategy 
based on my specific needs (Section 1). These calls have not been 
conducted, and no individualized support has been provided.
3. Failure to Provide Group Calls and Other Mentorship Services:
The contract guarantees "3 group calls held on a weekly basis" (Section 1). I 
have not been invited to, nor participated in, any such calls despite being a 
paid member of the program.
4. Misrepresentation of Properties:
The contract guarantees sourcing of Section 8 "turn-key" properties, but XXXX 
has repeatedly shared properties that are either not turn-key or already under 
contract with other buyers (Section 5). This directly violates the "done-foryou" service they promised. Moreover, some properties were falsely 
advertised as being in "peaceful" neighborhoods, despite documented 
shootings occurring within one block of the location. This is a clear case of 
intentional misrepresentation, which further undermines the credibility of 
the services provided.
5. Breach of "DONE FOR YOU" Service:
The "done-for-you" service promised that XXXX would source five Section 8 
"turn-key" properties (Section 5). Instead, they have provided properties that 
are neither turn-key nor viable investments, and in some cases, the 
properties have already been contracted to other buyers. This is a direct 
breach of their obligation to provide actionable investment opportunities.
Violation of Payment Terms:
Per the agreement, I was assured lifetime access to mentorship and curriculum, which 
were included in my $5,500 payment (Section 1). However, XXXX repeated failures to 
deliver on these services constitute a material breach of the contract. Under the contract, XXXX is required to take all necessary actions to fulfill their obligations (Section 4). Their lack 
of performance in these areas clearly breaches the contract. I have spoken with an XXXX 
team member named Deeb who said that if we cannot have these issues rectified then 
theyll consider another option, including a full refund. However, Karim has refused to do 
so.
Given these significant breaches and XXXXs failure to honor their commitments, I request 
that you process a chargeback for this transaction. I have attached a copy of the signed 
contract, which outlines the terms that XXXX  has failed to meet