Consumer complaint received 2026-03-03 00:00:00
Product: Credit 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
State: AR

Complaint narrative:
In XXXX, Discover mishandled my formal Fair Credit Billing Act ( FCBA ) billingerror dispute involving offshore gambling merchants ( including XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). On XX/XX/year>XXXX I sent Discover a 4page written billing error notice by USPS Certified Mail to its dispute address. That letter explicitly invoked the FCBA and Regulation Z, disputed specific transactions, cited XXXX and other federal law, and requested a billingerror investigation and charge reversal. Under Regulation Z, Discover was required to send a written acknowledgment within 30 days or resolve the dispute, but it never sent any FCBA acknowledgment. Instead, Discover routed the matter entirely through its fraudinvestigation departments and treated the issue as no fraud occurred because you had the card, even though I was challenging the legality and fairness of the merchants and the transactionsnot claiming thirdparty card theft. On XX/XX/XXXX and XXXX, XXXX, Discover issued denial letters that simply adopted the merchants chargeback representment packets and labeled the transactions valid without addressing my billingerror arguments. I then filed a total of 15 CFPB complaints about Discovers handling. Discover provided a single substantive response only to the first complaint ( CFPB Case No. XXXX ) and then asked CFPB to close the other 14 complaints as duplicates, blocking separate review of additional evidence and new billingerror allegations. In its XX/XX/year>XXXX response, Discover admitted that it reasonably relies on the acquirer/payment networks merchant category codes ( MCCs ) and their determination that these are games of skill, and it acknowledged that it never contacted me during the investigation. Discover did not conduct an independent FCBA investigation or address my XXXX/illegality and deception arguments. As of my XX/XX/year>XXXX statement, Discover shows a credit balance of {$360.00} from reversed interest/fees and No Payment Due, while still insisting I owe the full principal on the disputed transactions. Discover has neither refunded this credit balance to me nor reversed it, leaving the account in limbo and internally inconsistent with its position that all charges are valid. I am asking the CFPB to : ( 1 ) require Discover to acknowledge and treat my XX/XX/year>XXXX letter as an FCBA billingerror notice ; ( 2 ) identify and document all investigative steps taken ; ( 3 ) provide the merchant and authorization records and other evidence it relied on ; ( 4 ) conduct a compliant FCBA/Reg Z billingerror investigation that addresses my illegality and deception claims instead of relying solely on MCCs and fraud standards ; ( 5 ) correct my account, refund the {$360.00} credit, adjust any interest/fees, and fix any creditreporting harm ; and ( 6 ) review whether Discovers duplicateclosure of 14 CFPB complaints reflects a broader pattern of FCBA noncompliance.

Company response to consumer: Closed with explanation