Consumer complaint received 2024-09-19
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 (MI)

Purchased Wedding ring set in XXXX XXXX - XXXX XXXX on XX/XX/XXXX, for custom rings to be designed XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX, and XXXX XXXX. and XXXX XXXX XXXX XXXX XXXX XXXX, with XXXXXXXX XXXX total XXXX for a total of XXXX. XXXX ring was {$8800.00} and the band of engagement ring- {$900.00}, The wedding band was {$900.00} was, and men 's ring {$3400.00}. Totals XXXX. I received the rings on XX/XX/XXXX a XXXX  later. After receiving I noticed a few issues, The XXXX  XXXX XXXX  were not levelled, the large stone of engagement ring was not secure it moved, and the stones of the band of engagement and band were not what was requested XXXX XXXX XXXX XXXX XXXX  ( for band and engagement band ). It was XXXX but the XXXX stones were different stone grades. After almost a month of them not answering phone nor answering emails, we reached back out to XXXX XXXX. We finally get them the end of XXXX and we explain what is wrong with the design and diamonds. The promised to make it right and redo the rings as specified and agreed to give me a free diamond band ensuring all stones matched and keeping the old XXXX. Most importantly, showing pictures before sending a completing required design and quality initially paid for. In order to do so you needed to complete a XXXX form before getting a XXXX  number to send rings back. I did so and obtained a XXXX form. I returned the rings expect for the wedding band, since they mentioned they will give me one for free ( {$900.00} ). I purchased {$8000.00} on Discover and {$4500.00} on XXXX XXXX and the band and remaining was purchased on XXXX  for {$1500.00}. After checking weekly on status, they mentioned on XX/XX/XXXX that's they were just about done with rings. I asked if they were going to send pictures before sending so i can see the obvious. They mentioned they would most definitely. XXXX  days later XX/XX/XXXX at XXXX they mentioned to send the band back, when i mentioned that they said i could have free due to them send another one to me. At this time, I was preparing to go out of town and did not have time to do. The NEXT COMMUNICATION WAS the rings were at the door on XX/XX/XXXX. I viewed XXXX by the ring doorbell. I thought it could not be the rings. They did not tell me they were sending and they do so before they send so I can accept rings. I went out of town on XX/XX/XXXX which I have proof of and the rings came on XX/XX/XXXX. I have picture of XXXX  XXXX at door and leaving with box since he could not get a signature. I stay in a double gated community and XXXX left at the guards desk. The guard called me later in the afternoon to tell me i had a box. I told her I would not there and would not be back until the end of the month. I returned on XX/XX/XXXX. When I am gone, there is no one at my home. As time went on the next couple of days, I asked why did not send without notifying me and where are the pictures. Its too hard to get in touch with company and they dont answer their phone. They mentioned i needed by XX/XX/XXXX, well I had not mentioned this since the beginning, and clearly, they did not say they would send before. XXXX no coordination was made. I would have had them to send to the address I was going to be, after all XXXX was the month, I was getting married. I did not like how they switched and said send the band back when they told me to keep and still no pictures and rings were returned, due to me being out of town. I then just asked if they would return my money, besides the XXXX for the band that was paid, totalling {$13000.00}. {$8000.00} to Discover, XXXX to XXXX  and a refund for XXXX  of  XXXX for the XXXX band that was kept. Everyone has returned my money except Discover. The merchant waits until day XXXX of the XXXX policy and my money is reverted and closed. I have sent numerous communications and its the XXXX dispute for the same things. They have the rings and they have my money. I have wait XXXX  months on XX/XX/XXXX and they is ridiculous. I have proof XXXX return and they received even the signature of who signed for rings on XX/XX/XXXX at XXXX. First the said its an as is policy - will its not when you have custom jeweller designed and did not walk out store with anything and sent a month later. as on the XXXX form, I indicated this is not an as is purchase. Second, they said they sent and I have... well they were sent back no signature and I was not at home, I have proof of airline receipt that was purchased back in XXXX for XX/XX/XXXX. They have the rings and they are playing games with Discover and Discover do not review the content until you call. This should have been closed long ago with all that I have provided. Discover is terrible and is not looking at documentation and causing me grief after XXXX  days and keep reversing money. I have no rings wasnt home and they have my money. Discover is not about the customer. This people know how to work Discover and they are allowing them. No jeweler I know has the rings would keep anyones money too. They saying I have ad I clearly have the tracking that they have and signed on XX/XX/XXXX. Discover is terrible in handling disputes and this XXXX  is of here of. I have been a long-standing with Discover and I am very disappointed. 
I stay in a double gated community and the guard sits at he XXXX XXXX for a condo complex and the homes in the back. XXXX stopped at guards desk and left package and once the guard called to say pickup I mentioned I was to home and would not be until a XXXX  she returned the package with XXXX. XXXX XXXX, is XXXX XXXX, the guard on XXXX, XXXX XXXX in the XXXX. XXXX XXXX XXXX is the guards desk. XXXX XXXX and I stay in XXXX XXXX. I was out of town. I have attached tick information.