Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Customer Service Department XXXX XXXX Company Address ] Dear Sir/Madam, I am writing to formally request a refund for a hotel reservation made through XXXX, referencing the booking details below : - Reservation Date : XX/XX/XXXX XX/XX/XXXX - Hotel Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX - Payment Method : Discover Credit Card ( ending in XXXX ) - Billing Name : XXXX XXXX - Reservation Confirmation Number XXXX XXXX - XXXX Trip Number : XXXX XXXX Total Charges : {$890.00} ( which at some point I was charged unlawfully twice during the resolution investigation. Also, as CFPB states during 90 days and no permanent decision was made, the customer 's credit score should not be hurt in any circumstance. In my case, I got points deducted because Discover Bank submitted the statement before a final decision in XXXX ). 
Background As a veteran who received XXXX XXXX to leave the XXXX in XX/XX/XXXX ( that was the main reason for the trip and also for the unforeseen attempt to cancel due to military appointments ), I am covered under the Servicemembers Civil Relief Act ( SCRA ). On XX/XX/XXXX, I booked a reservation at the above-mentioned hotel via XXXX. Due to unforeseen changes in my flight schedule, I attempted to cancel the reservation on XX/XX/XXXX, XXXX days before the reservation date. Despite this, my cancellation request was denied based on the hotel 's policy which states that any cancellation received within XXXX day prior to the arrival date will incur the full period charge. 
SCRA Coverage and Request for Refund Under the SCRA, servicemembers and veterans are entitled to terminate certain service contracts without penalty if military obligations prevent them from honoring the contract. Given my military obligations and the unforeseen changes in my flight schedule, I believe I am entitled to a refund for the reservation. 
Evidence and Documentation Enclosed with this letter are the following documents to support my case : XXXX. Phone Call Logs : Showing my attempts to cancel the reservation on XX/XX/XXXX, and XXXX, XXXX. XXXX. Discover Credit Card Transaction Records : Showing the payment for the reservation and subsequent dispute attempts. I am not going to mention the unethical, abusive and contradictory nature of what the CFPB towards to customers and especially service members. XXXX. XXXX Orders and Flight Change Notifications : As mentioned above, I had a last-minute update on the clearing papers on the military that hold me with is covered in my orders that holds me until XX/XX/XXXX. Additionally, during a recorded call with a Discover agent, I was misled into canceling my original reservation and booking a second hotel. This advice has resulted in a potential financial loss. Therefore, Discover must be held accountable for their lack of training and the misleading guidance provided to me. 
Request for Resolution I respectfully request a full refund of the charges incurred for the reservation. Please process this refund to my Discover Credit Card as soon as possible. I appreciate your understanding and cooperation in resolving this matter promptly. If you need any additional information or documentation, please do not hesitate to contact me at ( XXXX ) XXXX or XXXX. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX