Consumer complaint received 2018-09-14
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 (FL)

I BOUGHT A PLANE TICKET WITH XXXX XXXX DIRECTLY ON THEIR WEBSITE USING MY DISCOVER CREDIT CARD ENDING IN XXXX. THE PURPOSE OF THIS FLIGHT WAS FOR STUDY ABROAD AT THE UNIVERSITY XXXX XXXX, XXXX ON XX/XX/2018. 

UNFORTUNATELY, MY GRAND PAPA, WHO RAISED ME AND HAS BEEN MY GUARDIAN DURING MY CHILDHOOD, HAD A LIFE THREATENING HEALTH EMERGENCY ( ATTACHED YOU WILL FIND PROOF OF THE XXXX XXXX THAT MY GRANDFATHER HAD TO UNDERGO BECAUSE OF HIS XXXX ) AND THEREFORE I WAS NOT ABLE TO TRAVEL TO XXXX. I WAS FORCED TO CANCEL MY TRIP WEEKS IN ADVANCE IN ORDER TO STAY AND TAKE CARE OF MY GRANDPARENTS. 

WHEN I ATTEMPTED TO CONTACT XXXX XXXX, IN A VERY RUDE AND AGGRESSIVE WAY I WAS INFORMED THAT I DID NOT QUALIFY FOR ANY KIND OF REFUND AND ALTHOUGH I SPOKE AND ARGUED WITH SUPERVISORS IT WAS IMPOSSIBLE TO ACHIEVE THAT THIS FOREIGN COMPANY OPERATING ON NORTH AMERICAN SOIL TO GIVE ME THE SERVICE AND ATTENTION THAT A PASSENGER DESERVES AND FOR THEM TO DO SO IN SUCH A WICKED AND INSULTING WAY COMING FROM SPAARDS WHO HAVE NEVER BEEN IN A COUNTRY OF RULES AND RIGHTS LIKE THE USA AND THEREFORE SIMPLY DID NOT UNDERSTAND MY PETITION. 

I FORMALLY DISPUTED THE CHARGE ON THE CREDIT CARD WHICH WAS USED FOR THIS TRANSACTION AND DISCOVER GAVE ME A CREDIT UNTIL THEY ARE ABLE TO GET A RESPONSE FROM XXXX XXXX. 

XXXX CHARGED ME AGAIN AND I AGAIN FILED A DISPUTE ON THE CHARGE AND DISCOVER GAVE ME ANOTHER CREDIT. 

ON XX/XX/2018 I WAS SURPRISED TO FIND THAT MY DISPUTE WAS DETERMINED TO BE WITHOUT PLACE AND I SIMPLY DO NOT UNDERSTAND THE FOLLOWING POINTS : A : CANCELLING THE FLIGHT WEEKS IN ADVANCE, XXXX HAD THE NECESSARY TIME TO TRICK OTHER PEOPLE INTO PURCHASING THAT FLIGHT WITH THEM. 

B : WHEN THE TICKET WAS PURCHASED, I WAS NEVER MADE AWARE THAT I COULD NOT CANCEL THE FLIGHT AND THAT MY TICKET WAS NON-REFUNDABLE. THEY SIMPLY INFORM YOU OF THIS ONCE A CIRCUMSTANCE COMES UP THAT IS OUT OF YOUR HANDS. IN A FEW WORDS, A TOTAL DECEPTION. 

C : A FAMILY EMERGENCY THAT OBLIGATES ME TO WASTE VERY VALUABLE STUDY TIME IN WHICH I COULD BE OBTAINING EXCEEDING KNOWLEDGE TURNS INTO A FINANCIAL NIGHTMARE BECAUSE OF A COMPANY THAT OPERATES IN THE USA UNDER THE MISLEADING TACTIC OF BAIT AND SWITCH WHICH HURTS THE INOCENT CONSUMER INTO BELIEVING THAT THE COMPANY IS A SERIOUS ONE. BUT NONETHELESS, THEY ARE NOT PENALIZED FOR ACTING THIS WAY AND THEY CAN STEAL MONEY FROM STUDENTS WHO ARE ONLY ABLE TO WORK THE FEW HOURS THAT WE CAN IN ORDER TO BE ABLE TO PROGRESS ACADEMICALLY AND HAVE A BETTER FUTURE. 
I SIMPLY DEMAND JUSTICE IN THIS CASE AND FOR MY MONEY TO BE RETURNED TO ME IN ITS ENTIRETY CONSIDERING THAT THE TRIP WAS NEVER REALIZED AND I CANCELLED IT WITH SUFFICIENT TIME IN ADVANCE SO THAT THE COMPANY FROM WHOM I PURCHASED IT WOULD NOT SUFFER ON MY ACCOUNT. 

I FEEL DISCRIMINATED BY DISCOVER CARD AND SINGLED OUT IN THIS SITUATION. I WAS NOT BORN IN THE USA AND MY ENGLISH IS NOT THE BEST. ALL I WANT IS TO HAVE MY REIMBURSEMENT EFFECTED. I REQUESTED CANCELLATION F THE FLIGHT WITHIN TIME FRAME ALLOWED BY CARRIER AND HAVE PROCESSED THE REQUEST MULTIPLE TIMES. DISCOVER ISSUED AT FIRST REIMBURSEMENT JUST TO LATER RENEGING ON IT AND RE APPLIED THE CHARGE. THIS IS UNFAIR, INCORRECT AND NOT ACCORDING TO CARRIERS OWN CANCELLATION POLICIES. PLEASE REIMBURSE MY FUNDS.