Consumer complaint received 2025-05-17 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:
I was with this discover bank from XXXX with out any issues I never got late on any payment on my credit card I always paid ahead of time until they increased my credit limit up to {$27000.00} until back on XXXX out off knowing they close my account with out informing me before they close I have several transactions it keeps declining me so I called them report the transaction and they said its on hold for a fraud transaction and I wont able to use XXXX credit card until one day I go to my online account find out my credit card is already close I have no idea for what reason so I called back to find out the reason I end up no answer about it then I have checked my transactions there was XXXX transactions I believe I never give any consent for those transactions to charge my credit card multiple times so I tried to get hold of those merchants I spoke with one of those merchants its the XXXX XXXX and I told th3m about those charges they did to my credit card and the agent advised me to contact my financial institution about XXXX XXXX XXXX and I was told those charges wasnt on my XXXX account so they advised m3 to dispute those transactions since they are not listed on my XXXX account then so I did call discover bank told th3m what they have told me they went to all of my charges and they have collected {$12000.00} I have no balance I never leave my credit card with balance so then after 90 days off investigation they have done everything they have to do and I called them and ask about my refund from those charges I was told that they are going to send me a check with the amount of $ XXXX they ask me to verify my identity they ask my current location I provide my address which same what they have on their system. 
I was told they will sending it the check and just wait for XXXX days for it to arrive to my address so everything was done I thought but four weeks past I still dont get the check they said they were going to send it to me so I have to call them about it I was told the investigation was not done yet so I let them do what they were supposed to do. 
called back couple times then I was told again they will sending me my refund from those unauthorized charges so they make me verify several times my identify my self multiple times and again told me to wait for 7 to 10 days to arrive so I said oky. 
then again XXXX past and still nothing so I them XX/XX/XXXX far the same thing asking for my refund and I was transferred from fraud department and to several departments they have and then went back to the fraud department from there I was told that they were not able to dispute those charges they have not give me reason why for and the person from fraud department that I was talking to transfer me again told a different department they have and I ask for the reason why they are not giving me a refund from those unauthorized charges then she told me they have to review them again and thats all they did not give other reasons why they decided not to grant me a refund. 
I have paid dose charges with out knowing they are unauthorized transactions I only find out after they close my credit card and double check my transactions and all I can see are those transactions that unauthorized they have a record that I cant use my credit card but there was transactions out off knower I requested my credit card multiple times before they closed it and I have no success whatsoever with any transaction and for sure they know that and I told them exactly what the XXXX representative told me to do. Until today I have not received any of those disputes and they laid to me multiple times that they will sending me a check and then nothing I was with this bank decades and this the only thing that I ask them to help me with I never dispute in any of my bank accounts except this one this my very first time doing all this never happened this situation to me.

Company response to consumer: Closed with explanation