Consumer complaint received 2020-10-31
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 (OK)

On XX/XX/2020 at around XXXX, I was taken to a hospital in XXXX XXXX XXXX called XXXX. Upon arrival I stated my name and explained that I was feeling sick. I issued my insurance card to the hospital personnel and explained that it was valid in XXXX and that it should be billed ; as an out of network provider. Shortly after that I was given some medication that the doctor stated would relax me. At XXXX XXXX, I woke up and I asked the nurse why was I still in the hospital. The nurse then stated that the doctor recommended it for observation and I had agreed. I become upset because that was not the truth. I demanded to see the doctor and the nurse stated that the doctor was not on shift and will not get in until XXXX XXXX. I then asked if I could be discharged and the nurse stated that I had to see a specialist. I asked why and was told that it was the doctor 's recommendation. Close to XXXX I noticed a message on my phone and {$2000.00} was charged from the hospital to my Discover card. I asked the nurse to explain how XXXX got my card and who authorized them to bill the Discover card. The nurse saidthat I would need to speak with billing. I became extremely angry and demanded to be released from the hospital. I was told that I would not be released because I needed to see a specialist at that point I still had no answers as to why I needed a specialist. I demanded to be released again. I was told I had to wait for the doctor and he was not in and will not be until about XXXX XXXX. I called the nurse after the nurse left the room and no one came. It was still after XXXX. I got upset drag the XXXX stand and went into the hallway and begun yelling and taking out the XXXX  because I was ready to leave and I was ready to find out why and how my card was charged. The nurse then took the XXXX out and the doctor stopped by and said I was leaving against his advice. I told him that I thought he wasn't on shift. He didnt respond. I asked about the need for a specialist and he claim something about XXXX  balance. I then demanded to leave or I'll call the US embassy. I was released then. I arrived at billing and I issued them my insurance card and advised them that I issued it the night of arrival and that they needed to bill the insurance. I told the billing personnel that I did not issue my card to any XXXX staff and that I am not authorizing the charge and that they didn't have permission to bill the Discover card. The XXXX personnel then said to me, your insurance gave us trouble previously in the past. I explained to the XXXX staff that I have never been to XXXX before so my insurance or my situation is not the same as their past experience. The staff then stated it is already billed to your discover card. I asked how they obtained this. The person that took me to the hospital apologized to me and explained that the hospital asked for a second form of ID such as a card and he issued it. He said that the XXXX staff later told him that they held a deposit and would release the hold in the morning. In the morning he also confronted XXXX for dishonesty. The hospital staff then told me that the total was {$2300.00} billed to discover. I told the XXXX  personnel that I am not authorizing the usage and payment because I did not give the person who took me there any authority to issue my card and they are not an authorized representative on my discover account. So the charges need to be reversed. The XXXX staff said it couldn't be reversed. 


Upon arrival to the US my insurance company was not billed and stated that XXXX never submitted a claim. 


I filed a dispute with Discover card services. Discover stated that they had ruled in my favor due to no response from XXXX. Discover later billed me and stated that the hospital submitted documents that I used the services and that it did not matter if I didn't sign or give permission and that a signature is not needed as long as the merchant was issued the card and service was utilized. I explained that my signature on my ID didn't match that of the document from XXXX and I couldn't have signed a bill for {$2000.00} while I was asleep.. I also explained to discover that the person who gave my card will attest to this. Discover said that didn't matter. I hardly see where this is right or legal or a fair act. Because I issued a payment in the form of my medical insurance and instead XXXX didn't use the insurance instead they gave me a medication that put me to sleep and while I am out they convince someone to get in my belonging who is a third party and that is how they obtain the Discover card. I would have never given them my card. I should not be accountable for those chargeson my discover card. 


Discover need to refund two charges totalling {$2300.00} one for {$2000.00} and one for XXXX XXXX this way the hospital can bill the insurance like they should. XXXX should be held accountable for going the correct route to obtain payment. 

I submit a copy of my signature on my drivers license and a letter from the person who issued the hospital the card. 

I didnt attach but I also have a recording of me explaining to discover the situation and discover saying that a signature is not required and as long as the card is charged for services I am liable. I can present it later if needed.