Consumer complaint received 2026-03-18 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: NV

Complaint narrative:
Discover Dispute Numbers : XXXX ( {$180.00} ) and XXXX ( {$370.00} ) I am filing this complaint against Discover Bank for its failure to conduct a 'reasonable investigation ' into merchant fraud under the Fair Credit Billing Act ( FCBA ). I am seeking a full reversal of the diagnostic and service fees charged to my Discover card by the merchant, XXXX XXXX, as I am fighting to get all my money back and be made whole due to their extensive deception. XXXX XXXX engaged in blatant billing fraud. They charged me for ghost labor for a reservoir replacement that never actually happened. Furthermore, they aggressively charged me for a coolant flush on a vehicle they were fully aware had a severe, active coolant leak. Selling a fluid flush for a system that can not even hold fluid is an entirely useless, predatory service meant only to inflate the bill. This merchants deception goes beyond just these receipts. XXXX XXXX rolled these fraudulent labor and service charges into an XXXX lease agreement. This is a direct violation of XXXX own policy, which strictly prohibits the leasing of labor or services. This is not the first time they have done this ; a previous lease I had with them was also illegal for the exact same reason. They simply do not care about the rules. The 'diagnostics ' Discover is forcing me to pay for were actually just a two-week stalling tactic. XXXX XXXX submitted a speculative repair estimate to my service contract provider ( XXXX ) without ever performing a physical engine teardown. They knew an estimate without a teardown would be denied, and they used that two-week delay to play games and pressure me into paying their retail, out-of-pocket rates. When I finally refused, paid the diagnostic fees, and tried to take my car elsewhere, they actively begged me not to leave so they could keep up the pressure. The deceptiveness is so glaring that XXXX XXXX 's corporate office recently reached out and offered me a partial payment to settle. I declined because there are simply too many lies and deceptive practices for this to be a simple mistake. A partial payment is an admission of guilt, but I am demanding to be made completely whole. I provided Discover with the formal demand letter I sent to XXXX XXXX and XXXX detailing this exact fraud. Despite possessing this legal notice and evidence of the merchant 's fraudulent business practices, Discover closed my disputes. I should not be held financially responsible for charges from a merchant actively engaged in billing fraud and illegal contracting. I am requesting a permanent reversal of these charges. I want to clarify for the record that I originally filed a partial dispute for the {$370.00} charge. However, after further analyzing the paperwork and uncovering the full extent of this merchant 's deceptive practicesincluding the 'ghost labor, ' the useless coolant flush on a leaking system, and the illegal lease structuresI am now disputing the entirety of all charges. This was not a simple mistake ; it is a calculated pattern of fraud. I am demanding every single dime back from this shady company to be made completely whole. I should not be held financially responsible for any portion of a transaction rooted in documented merchant deception.

Company response to consumer: Closed with explanation