Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (AZ)

I have always respected guidelines and rules set up by credit card companies and banking industries. I believe that people should have to follow guidelines and rules and regulations set up by these companies, in order to maintain civility and responsibility but in very rare instances, there are times that certain companies expect their consumers a customers to follow guidelines or rules that the company does not believe that they have to follow themselves, meaning that these companies should not be illegally or morally allowed to expect consumers to follow guidelines that the company themselves refuse to follow. My issue is with Discover bank and their terms and conditions involving disputes or charges in my case. I had no idea that a credit I had gotten on my account for a dispute that I had made would cause complete chaos in my life despite me following all the proper guidelines and procedures in a bank discover bank, I filed a claim, and the claim was credited to my account per proper procedure, and then time went on days, turned into weeks and weeks, turned into months, and my account has been used many times after this with no problem at all certainly I had never gotten any indication from Discover that there had been any issues so many months went by and out of nowhere I suddenly checked my bank account one day only to find out it was in the negative almost {$100.00}. I was shocked and surprised because I had no idea where this issue had happened so I contacted Discover bank to inquire about this extremely large negative balance, only to find out, some extremely shocking and ethically questionable information. It turns out that the claim I had made nearly 100 days ago. Was now being charged back to my account by Discover. I thought in my mind theres no way this could be happening. It has been nearly 4 months and according to discovers terms and conditions on their website, Discover has a huge allotment of time 90 days to handle and settle cases before they are closed down but when I looked at the dates involved in this case, I realize that not only had their 90 day timeframe has passed for them to charge back this amount on my account but it also been past their 90 day guidelines and parameters nearly 2 weeks after their 90 day set up guideline they decided to do this charge back to my account. I started thinking in my mind, how in the world can discover bank, violate their own guidelines, break their own terms and conditions and cost me the stress and chaos of having a charge back on my account that was nearly 4 months old and was perplexed. I thought well doesnt Discover have to follow their own guidelines if they sit up for their customers their 90 day timeframe is a timeframe that they give customers for them to investigate cases, and when customers are that say late on payments or late on guidelines that are set up by Discover the customer always has to end up paying to fix the problem, but what happens when you discover decides to change their own guidelines, and terms to fit their own needs violate your own contract and causing customers to suffer I mean, and this only happened because Discover had not taken due diligence and done their own investigation in the proper time frame? I thought the only choice I had was to Tryon contacting the CFBP because I knew that they were the only ones that can make a tyrannical bank like Discover have to follow their own terms and conditions when it comes to customers guidelines and issues. I mean, how can that be fair if customers are always held to certain guidelines terms and conditions time frames, but yet discover can violate their own guidelines, terms and conditions time frames when it suits their own needs? Why had there not entire investigation team acted properly and timely with this investigation just because they were negligent and lazy, and did conduct their investigation in a ethical manner does not mean that they should be able to you violate their own contract and change set up time frames just so they can fit their own needs and desires.? I believe after this terrible world pandemic end the job hours I had to have cut due to pandemic which cost me severe financial strain discover bank should not be able to take advantage of people who had to suffer through the pandemic who are hard-working people and who are just trying to make ends meet discover bank is a multi million dollar tyrannical bank that probably does this more often then people would like to admit, but I feel like if I dont make this complaint, they will continue doing this to more innocent victims and stealing money from more innocent people due to their deciding to change and alter their terms and conditions and contracts, whenever it suits their needs