Consumer complaint received 2024-01-19
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 (NJ)

The dispute is between Myself ( XXXX XXXX ) and Discover Financial Services ( Discover Credit Card ) I am charged about {$2700.00} for authorized charges. XXXX XXXX has been authorized to charge my credit card just one time. 
Discover Credit Card was alerted and actually put a stop on the charges on XXXX XXXX 2023. 
XXXX XXXX somehow did get through and continue to charge my Discover Credit Card until XXXX    2023. 
When I called initially Discover told me that I did not need to close the Account #, since the put a stop on these charges. Later found out that all these charges went thru. 

Opened many disputes with Discover, and they keep denying to reimburse. 

As you will see from the documentation that Discover has provided to me as base to deny my disputes, they are flawed. 
1. There is no contract or agreement that I have signed with XXXX  for any service. ( they provided a blank contract, that means absolutely nothing ) 2. XXXX XXXX ( the business XXXX is trying to charge ) is not my business, nor I have any affiliation with them. 
- As you will see from the backup, I provided on my documents I have asked XXXX not to charge my account. I also have notified Discover Financial on XX/XX/2023, to block any transaction from this vendor. Since I am asking Discover to block any transaction from this vendor ( XXXX ), any transaction from this day and forward becomes Unauthorized Transaction. Discover advertises its business that no customer will be held liable for Unathorized Transactions. I am sure how can you mark an unauthorized transaction any better that customer notifying Discover that transactions from this Vendor ( XXXX ) are not authorized by me ( card holder ) and should not be allowed to get thru. 
-- As I explained before, XXXX was authorized to charge my credit card for one time charge. ( The first transaction from XXXX is not part of this dispute, This is stated also in an email I sent to XXXX and provided as proof to Discover as well. 

-- An XX/XX/XXXX, I called discover and asked them to block any transaction from this vendor... Discover let all these Unathorized transaction to him my account... I also asked them ( Customer Rep ) if I should close the account, so no more Unathorized transaction can be posted. The response was that there is nothing to worry about since Discover has blocked vendor ( XXXX  ) to charge my account in the future ... After that day there were three transactions posted which are : What, I am asking is : -- Discover needs to reimburse my account for all the transactions that hit my account from vendor ( XXXX  ) from the day I notified them and forward. 
-- Discover should guard my account as advertised. They should not charge customers for transactions that clearly are notified as XXXX. 
XXXX XXXX is unable to show/ provide to Discover any proof that I have signed any contract with them ( as you see in the attachment the contract provided has no signature ), therefore is no proof that I have entered in any agreement with them. 
-- If Discover employees ( customer reps ) have no knowledge how to stop Unathorized payments, it should not be customers fault ( myself in this case ) to pay for their mistakes.