Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
Against : Discover Bank Consumer : XXXX XXXX Issue Type : Improper dispute handling, reversal of credits, and failure to conduct a lawful investigation under the Fair Credit Billing Act I am filing this complaint regarding Discover Banks improper handling and reversal of multiple billing disputes in violation of the Fair Credit Billing Act ( FCBA ). Three disputes were originally submitted online on XX/XX/XXXX, and were completed on XX/XX/XXXX, with Discover initially determining that the disputes were resolved in my favor due to merchant non-response. On or around XX/XX/XXXX, I contacted Discover by phone to file a fourth, separate dispute for a XX/XX/XXXX charge from the same merchant, which was a defaulted recurring billing transaction that was unauthorized. During that call, the first representative stated that certain transactions could not be disputed and transferred me to the fraud department, where a second representative contradicted that information. While I was on hold during this call, I independently submitted the fourth dispute online. That fourth dispute was completed on XX/XX/XXXX. The timing of these completionsXXXX XXXX for the XX/XX/XXXX disputes and XX/XX/XXXX for the XX/XX/XXXX disputeclearly indicates that no meaningful investigation occurred, as no merchant documentation, evidence, or written explanation was ever provided. The only outcome listed was a conclusory statement that the dispute was found to be valid, without identifying the basis for that determination, as reflected in the attached documentation outlining the full history of all four claims. As a result of these actions, I have suffered financial harm, and I intend to pursue any available financial remedies through the appropriate regulatory or legal channels if this matter is not properly resolved. Despite the earlier disputes having been completed and closed, Discover later reversed the credits without providing any new evidence, merchant response, or lawful justification. 

Timeline of Events : XXXX. XX/XX/XXXX : I submitted online disputes for three charges from XXXX. 
2. Discover investigated the disputes. 
3. Discover completed and closed the disputes on XX/XX/XXXX, initially citing merchant non-response. 
4. Discover issued credits and marked the disputes as resolved. 
5. XX/XX/XXXX : A new charge from the same merchant posted to my account. 
6. On or around XX/XX/XXXX : I called Discover to file a fourth dispute for the XX/XX/XXXX charge, which was a defaulted recurring billing transaction that I did not authorize. 
7. During this call, the first representative stated the transaction could not be disputed and transferred me to the fraud department, where a second representative contradicted that statement. 
8. While on hold, I submitted the fourth dispute online. 
9. The fourth dispute was completed on XX/XX/XXXX, again without documentation or explanation. 
10. After this contact, Discover reversed the credits for the previously closed XX/XX/XXXX disputes. 
11. No written notice, merchant response, or evidence was provided to justify the reversals. 

Improper Dispute Handling and Due Process Failures : The FCBA requires a reasonable investigation, not a conclusory outcome. 
The rapid completion dates ( XX/XX/XXXX and XX/XX/XXXX ) combined with zero documentation demonstrate that no substantive investigation occurred. 
A statement that a dispute was found to be valid without evidence, merchant response, or explanation does not satisfy FCBA requirements. 
The fourth dispute was separate, unauthorized, and should not have impacted disputes already completed and closed. 
Discover representatives provided conflicting information, further undermining the integrity of the dispute process. 

Attachments Dispute history and status records for all four claims Statement of full account history with the credits and then reversals reflected

Company response to consumer: Closed with explanation