Consumer complaint received 2024-11-09 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX Mon, XX/XX/XXXX XXXX XXXX XXXX XXXX Discover Card Fraud Resolution Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX Dear Discover Fraud Resolution Team, I am writing to express my deep frustration and anger regarding the unresolved issue with fraudulent charges made by XXXX XXXX XXXX, despite my clear instructions to escalate this matter. I have already provided clear evidence, including an email from XXXX XXXX, confirming that a refund process was initiated upon acknowledgment that I received erroneous leads and had explicitly instructed XXXX XXXX XXXX that I no longer wished to do business with them. 
Despite my clear communication, XXXX XXXX XXXX charged my account an additional {$600.00} within XXXX hours of my request not to process any further charges. This is blatant fraud. I trusted Discover to handle this issue, yet instead of resolving the matter as requested, you inexplicably reinstated the {$910.00} charge on my account without notifying me. 
This lack of communication and failure to take the appropriate action is unacceptable. I demand that these charges be removed immediately from my account ending in # XXXX and that this matter be rectified once and for all. 
I expect a swift resolution to this, or I will have no choice but to escalate my complaint further. 
sincerely XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Discover XXXX via XXXX To Lead Mi XXXX XXXX XXXX Il XXXX Discover Card-Fraud via XXXX XXXX XXXX XXXX  message XXXX XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX Sun, XX/XX/XXXXXXXX XXXX XXXX XXXX Subject : Immediate Action Required for Fraudulent Charges and Case Resolution Dear Discover Card Fraud Resolution Department, XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX I am writing to bring to your immediate attention the fraudulent charges made by XXXX XXXX XXXX on my Discover Card account, totaling approximately {$910.00}. Despite my explicit request to terminate services and cease any further transactions with XXXX XXXX XXXX unauthorized charges continued to be posted to my account. This situation demands urgent resolution. 
Upon entering into a contract with XXXX XXXX XXXX for real estate leads, I was assured of a return policy. However, the leads I received were not as advertised. After paying for an initial lead ( {$51.00} ), which proved to be invalid, I requested to terminate all future business with XXXX XXXX XXXX and sought a refund from their representative, XXXX XXXX. Despite this, two additional charges of {$300.00} each were made to my account after my cancellation, bringing the total unauthorized amount to {$910.00}. 
I promptly reported this issue to Discover Card, and initially, the charges were removed. However, I was later informed that the charges were reinstated based on a claim from XXXX XXXX XXXX without my consent. I find this deeply troubling, as I had made it clear that I no longer wished to engage in business with this company, and this decision should have prevented any further charges. 
XXXX XXXX XXXX  operates without a physical address and has failed to honor my cancellation and refund request. This is a clear case of fraud, and I am dismayed that Discover Card has allowed these charges to remain. It is unacceptable that my case has been closed under the false pretense that I agreed to these charges. 
I am requesting the immediate reversal of all XXXX XXXX XXXX charges and the full restoration of my account balance. As a Discover Card member, I expect protection against fraudulent activity, and I trust that this situation will be rectified without further delay. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on this m a t t e r to e n s u r e p r o p e r oversight a n d accountability. P l e a s e a d d r e s s this issue with the urgency it requires and provide written confirmation once the charges have been removed. 
Thank you for your prompt attention to this serious matter. I look forward to your immediate response. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lead Attn : XXXX XXXX Dear XXXX XXXX, I am writing in reference to my request made in XX/XX/XXXX to terminate services with XXXX XXXX XXXX a XXXX the services did not meet my expectations. During our communication, you assured me that a refund would be processed by your support team in a timely manner, with an expected resolution by XX/XX/XXXX. However, this has not been the case. 
Furthermore, XXXXXXXX XXXX XXXX  charged my account an additional {$600.00}, totaling {$910.00}, after my cancellation request. As a result, I have initiated a formal dispute with Discover Card regarding these unauthorized charges. 
I am again formally requesting an immediate refund of {$910.00} from IXXXX XXXX XXXX. Please note that I have cc 'd Discover Card Business Resolution and Fraud Services, as your company processed additional charges after being notified of my cancellation. 
I expect this matter to be resolved within 24 hours of receipt of this letter. Failure to do so will result in further escalation with Discover and the appropriate authorities. 
Thank you for your immediate attention to this matter. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Discover Card Business Resolution and Fraud Service

Company response to consumer: Closed with monetary relief