Consumer complaint received 2025-04-19 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: CA

Complaint narrative:
On XX/XX/XXXX I filed dispute with Discover credit card for {$330.00}, and on XX/XX/XXXX the dispute resolved in my favor. This dispute was for XXXX boots unknowingly purchased from XXXX. After received the boots, it was faulty and terrible quality made from plastic instead of real calf leather as advertised. Boots was also has many defects and completely different than pictured on their website. Seller agreed to do partial refund of {$100.00} and I received that. However, I need an additional {$100.00} since the boots was not worth {$230.00}. 
On XX/XX/XXXX, Discover reversed the dispute and place it under investigation after it was found in my favor. Then on XX/XX/XXXX Discover send letter said it found the transaction to be valid and side with the seller. Discover said that I must return the boots back to XXXX in order to received a full refund of {$230.00}. I told Discover that sending boots back to XXXX would cost shipping fee of {$190.00} via XXXX. It would not make sense and fair for me as buyer to lose {$190.00} shipping cost just to get a net refund of {$38.00} ( XXXX = XXXX ). Because of this reason, the seller is betting on most buyers would just give up on return for refund, and hence they continue to scam more buyers. 
On XX/XX/XXXX, Discover then said if I could submit proof that seller agreed to provide additional {$100.00} refund then they would reconsider reopen the case and help me get refund. Then on XX/XX/XXXX, I submitted new email communication with seller which seller agreed to provide additional {$100.00} refund. After I submitted the email proof, Discover gave me another push back and said seller must state that refund to Discover credit card. How could seller said refund to Discover when seller never had my Discover credit card to begin with? I used XXXX to process the payment. Then on XX/XX/XXXX, I spoke with Discover supervisor and he said I just need to submit an email from XXXX said theyre no longer involved then XXXX reopen my case for review. I then asked XXXX for that email, and after I submitted it XXXX week later the case still denied. Discover still gave me the generic answer that the email must said seller refund to discover card. 

At this point, seller agreed to provide additional {$100.00} refund that I asked, but he could not do so since XXXX is locking up the transaction. Discover on their end not willing to help me even though they do see these evidence that seller willing to refund but they unwilling to help me obtain that refund. Seller email to me stating he willing to give me refund. See attached screenshots. 

I found that Discover did not sincerely want to help me even though they have all the proof and evidences I provided that I am a victim of scam from seller in XXXX. Discover repeatedly lied to me and did not keep it promised to obtain my refund because they keep changing their requirement after I submitted what was asked of me. 
I ask for your help to help me get justice since discover did not keep it promise and false advertisement that I get fully protected from scam or fraud when using the card.

Company response to consumer: Closed with explanation