Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (UT)

Hi, Briefly, I had a discover card ending in XXXX ( don't worry, it is closed now ). For a while XXXX has been (? accidentally? ) over-billing me the same amount on the XXXX and XXXX of every month ( same amount, just twice, initially around {$15.00}, then {$20.00}, every XXXX or XXXX of the month ). I did not realize this until XX/XX/2024 when Discover sent me a new card ( ending in XXXX ) and said " Hey, there are these recurring charges occurring twice a month with XXXX ; look into them if/when you change over your account to the new XXXX account. '' I called XXXX and said, " Hey, I think that you have been overbilling me the same amount twice a month for quite a while ( over a year ), when I only have XXXX account for my family, can I get all that money credited to my account, either XXXX or Discover, I don't care who does it, just a credit back? I am reasonable. Just let me know what to do. '' XXXX ( nice person ) : " Call Discover. They will work with us to fix it. '' ( This was in XXXX ). 

Discover : ( nice person ) " We understand. We will flag them and initially refund it all. '' Weeks go by ( XXXX AI-generated letters from Discover saying we are investigating '' ). 

Weeks go by. XXXX AI-generated letters from Discover saying, " We will refund you these few months but the rest of the months won't be refunded b/c we can not get more information from XXXX regarding the potential overbilling . '' ( i.e. short version : I received a small fraction of the money returned to my Discover account ). 

Today ( XX/XX/2024 ) : I called XXXX and indicated that this was not appropriate and to re-open the investigation : " Call Discover again. We don't have access to the billing side for the Discover card ending in XXXX beyond a few months prior. '' I called Discover ( the " read the script on the screen billings guy '', less ideal interaction ), " We have fulfilled our legal responsibility and you have no more options except to file a complaint with the government. '' Me : " Did you get ahold of XXXX or did you never get a hold of them and really as such, just want to close the ticket because both XXXX and Discover want to obviously make the most profit for their shareholders. I work in XXXX and see this unfortunately all the time between XXXX XXXX XXXX companies and XXXX caught in the middle re : overbilling and the ultimately just pay the bill even when there are errors. '' Discover ( " canned '' ) reply : " We have fulfilled our legal responsibility and you have no more options except to file a complaint with the government. '' I then called XXXX, was placed on hold for XXXX minutes, and they guy then hung up the phone on me ( I think it was an accident, like the overbilling? ). 

So, I decided to do what Discover told me to do. 

P.S. I am a reasonable XXXX XXXX XXXX man ; professional ; single Dad of XXXX ; Son to a mother with XXXX XXXXXXXX ( which is why on one hand I don't care because I have more pressing matters ; but on the other hand, felt the need to post this so others are aware of this. ) I don't even have time to watch TV or XXXX. I hope everyone who reads this finds happiness and peace to some degree in their lives.