Consumer complaint received 2021-04-09
Product: Credit card or prepaid 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)

1. Identification of the issue The case revolves around seven transactions charged to my credit card account, which I do not recognise as valid. They are as follows : ( a ) XXXX : XXXX XXXX XXXX WA XXXX ( b ) XXXX : XXXX XXXX XXXX WA XXXX ( c ) XXXX : XXXX XXXX XXXX WA XXXX ( d ) XXXX : XXXX XXXX XXXX WA XXXX ( e ) XXXX : XXXX XXXX XXXX WA XXXX ( f ) XXXX XXXX XXXX XXXX XXXX WA XXXX ( g ) XXXX : XXXX XXXX XXXX WA XXXX As of today, transactions ( c ) , ( d ), ( e ), ( f ) and ( g ) have been charged to my account and the relevant amount collected by Discover. I am left bewildered by Discovers complete refusal to acknowledge or respond to letters stating all these seven transactions were unauthorised.

2. Initial action on my part I first noticed these transactions on XX/XX/2020. I did not recognise them and thus dispute all seven through Discovers online portal.

3. Initial response from Discover Six of the transactions were registered on the Disputes page of
Discovers web portal. Temporary credit was applied to five of the transactions transactions. Transaction ( a ) received an automated permanent credit as a courtesy adjustment. Transaction ( f ) was neither recognised as disputed in that webpage, nor was there any temporary credit applied. 

Over the month of XXXX, Discover also sent three letters : One dated XX/XX/XXXX, referring to transaction ( e ), with case ref. XXXX One dated XX/XX/XXXX, referring to transaction ( d ), with case ref. XXXX One dated XX/XX/XXXX, referring to transaction ( g ), with case ref. XXXX Please find all these documents attached. I will note the letter XX/XX/XXXX was a communication of a decision that the transaction was valid, while the two subsequent letters expressed doubt that the transactions were genuine and asked for clarification on that regard.

4. Clarification that transactions were not genuine After receipt of the first two letters on XX/XX/XXXX, I replied with a letter dated that same day. Please find it attached as well. In that letter, I do the following : i. I identify the transactions ii. I make clear I did not authorise these transactions iii. I asked for clarification regarding the status of transaction ( f ) iv. I directly responded to cases XXXX and XXXX v. I made clear what steps I requested Discover take for resolution I did not receive a response to that letter, so I sent a new letter, dated XX/XX/XXXX. Please find it attached. In that letter I reiterated the points above and questioned the decision to reverse the temporary credit on the majority of the transactions.

5. Discovers subsequent ( absence of ) response As of today, I have received no response to either letter. In fact, I have not received any non automated communication from Discover since their letter dated XX/XX/XXXX. This is particularly problematic for two reasons : Discover has made a tacit acknowledgement of my letter dated XX/XX/XXXX, for a pdf copy is listed on the web portal, under the dispute cases cases ref. XXXX and XXXX. I will note that this has not prompted Discover to revisit its decision on either those cases or any other. 

Discover has made decisions on all six disputes listed ( I will note once again that transaction ( f ) is nowhere to be found ) and reversed the temporary credit in four cases. Please find attached a screenshot of the portal which shows the decisions for each of these cases. 

I will also add that all temporary credit reversals have taken place before XX/XX/XXXX ; and that in all cases except for transaction ( e ) I have not received any formal communication of the decision to enforce the chargebe it by letter or " via secure message at Discover.com ''.