Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CO

Complaint narrative:
I am filing a complaint regarding Discover Banks handling of a credit card billing dispute involving XXXX transactions in the amounts of {$410.00} and {$200.00}, originally disputed on approximately XX/XX/year>. 

In addition, I had explicitly instructed Discover Bank to block any future transactions from the merchant XXXX XXXX XXXX 

Despite this instruction, Discover allowed additional transactions from the same merchant to be processed, demonstrating a failure to enforce a merchant block and to protect my account from unauthorized or disputed charges. 

Allowing transactions from a merchant after a customer has explicitly requested a block constitutes improper handling of disputed charges and raises concerns regarding Discovers compliance with its obligations under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ).

Discover did not provide any written explanation as to why transactions from a blocked merchant were permitted, nor did it notify me in writing of any limitations or rejection of my block request. 

Discover issued a provisional ( temporary ) credit while the dispute was under investigation. However, after approximately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Discover silently reinstated the disputed charges to my account balance without providing any written notice, explanation, or investigation results. 

Under the Fair Credit Billing Act ( FCBA ), creditors are required to complete a billing dispute investigation and provide written notice of the results within XXXX  days, or XXXX billing cycles, whichever is shorter : 15 U.S.C. 1666 ( a ) requires the creditor to investigate and either correct the account or explain why the charge is valid.

15 U.S.C. 1666 ( a ) ( B ) requires the creditor to send a written explanation of the results of the investigation.

12 C.F.R. 1026.13 ( c ) ( Regulation Z ) limits the investigation period to no more than XXXX days. 

Discover exceeded the legally allowed investigation period and failed to provide the mandatory written results of the investigation, yet still reinstated the charges. This constitutes a procedural violation of the FCBA.

In addition, interest has been assessed on the disputed amounts, despite the dispute never being properly resolved in compliance with federal law.

To date, I have received no written communication from Discover explaining the outcome of the investigation or the legal basis for reinstating the disputed charges.

Requested Resolution : 1. Require Discover Bank to demonstrate compliance with the Fair Credit Billing Act and Regulation Z.

2. Require Discover to provide the written investigation results and supporting documentation, or remove the disputed charges.

3. Correct my account balance and reverse all interest and fees assessed on the disputed amounts.

4. Ensure Discover does not engage in similar non-compliant dispute handling practices in the future.

Company response to consumer: Closed with explanation