Consumer complaint received 2020-06-15
Product: Credit card or prepaid 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 (MD)

On XX/XX/XXXX, I took my XXXX XXXX XXXX XXXX in for repairs and explained in great detail on the concerns I was having with my vehicle, after leaving the car at the shop they deemed the transmission was bad and needed to be completely replaced. That was greater than what I initially suspected to be the issue, however I trusted the word of the mechanic as when we was explaining to me some of the symptoms I was most likely experiencing they all echoed what I had previously described to him. I provided them the green-light to move forward with the repairs as this was my primary means of transportation and had no options. 

The work was completed on XX/XX/XXXX and I picked up my vehicle up on that date as quickly as I received the phone call as I was borrowing a co-workers car. While on my drive home, I began to notice the exact same issues. I returned to the shop and they tested the car and said that I now needed to get a tune up, feeling that I had no options, I agreed to have them perform the work. After a few more days, I received a call to pick up the car, surprising the same issues were still very apparent. When speaking to them, they agreed I would still experience the same issues and that I would need to drive it for a few days and the issues would resolve on their own, not completely agreeing with that approach, I decided to do just that. 

After a week of continuous contact with the shop, I took some time off of work to take the car back to the shop. At this point, they stated that the transmission went bad and needed to be replaced, to say the least I was shock but again limited with options. I told them that I understand that things like these are out of their control at times but to try to help me resolve this so that I didnt have to take any additional days off from work. They told me to continue to drive the car as there would not be any harm and they would order a new transmission and call me in a few days once it arrives. I never heard back from the shop and after multiple attempts to call and speak to the mechanic were unsuccessful, I decided to drive up there. Upon arrival I asked to speak to the mechanic, and although I could see him in the shop, was told he was unavailable, so I asked to speak with another mechanic or the shop manager to get a status on my transmission and was told that no one was available and that there was nothing more they could do for me at their shop and in short asked to leave. 

I was shocked and sat in my car for a little while trying to understand why someone would do such a thing and take advantage of someone in this manner. I gathered all my information and shared it with the team at Discover and opened a dispute. Discover advised me that I had signed the receipt acknowledging for the work to be done, that is correct, however my signature was for the serviced to be performed as decided, for which they were not. 

I took it upon myself to take my vehicle to another shop and they deemed that the transmission was truly bad, however that it had NEVER been replaced. They provided me with documentation to support their findings and I provided that to Discover to support my dispute. Discover provided me with the same response of the signed agreement and I didnt feel that I could provide any evidence to have them take any additional time to review. 

Disputed Charges : XXXX XXXX XXXX XXXX XXXX : {$1500.00} XXXX XXXX/XXXX-XXXX  : {$400.00}