Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: MO

Complaint narrative:
XX/XX/year>. XXXX XXXX. {$44.00}. I submitted a transaction via XXXX, with my Discover Debit Card, through Apple Pay, under the assurance of the XXXX XXXX that it was a legit transaction and company that would be providing services, in which case it was not. I spoke to XXXX about this situation in which the merchant they declared was an acceptable vendor to provide services for, they escalated it and told me it wasnt their problem, to contact the vendor ; I did, the vendor has not responded, I can not get a hold of them, etc ( email, phone, messages, etc ) in which case is why I reached out to to XXXX, because of this issue. This company the transaction was for collected sensitive and private information, medical and personal, and did not follow through with their terms and conditions or any agreed upon, in electronic signatures, conditions as well, and could not be contacted or refused to allow any contact with them after submission of information, in which case XXXX subcontracted, or contracted, their services to sell as a XXXX party, making them liable for this vendor. Despite constant contact with said XXXX, XXXX, and XXXX refusal to accept requests either, or responsibility for their contracts as a XXXX party, which in turn has caused a privacy violation, knowingly or unknowingly, per the terms and conditions of XXXX as well, stating and contractually acknowledging their validation of a XXXX party website or vendor, allowing the practices on their website, under terms of being a valid transaction via the vendor that XXXX is selling for. Without any help, responses, or responsibility from either party, I reached out to Discover Banking, initiated a dispute ; they denied the claim and told me I am not subject to a claim or any future claims regarding this transaction after the departments that handle the claim deemed it as Non-receipt of goods or dissatisfaction with services or goods, thus rendering any claims useless and non-persuable/non-investigative, per their claim of Federal Banking regulation E, of the EFT Act. I am here to claim there was no actual investigation into the dispute which could have been an error on Groupons side, or the fraudulent collection of personal/sensitive information from a vendor who has now, for all intents and purposes, have stolen money and will not return in, knowingly ( I made sure of it ), one the Discover Bank assumed the transaction to be nothing more than Non-Receipt of goods or dissatisfaction of goods or services without any requested documentation from either myself nor the vendor ( s ) in question, per the XXXX XXXX on the phone XXXX/XXXXXXXX around XXXX XXXX, in which case the above information was then communicated directly to me, once requested via phone. It was confirmed that the company, Discover Bank, did decline and will decline in the future, or the XXXX XXXX, that since the transaction has been labeled as such previously stated, that it is ineligible for any disputes and to continue to contact the merchant ( s ), despite having stated multiple times in the conversation that this has taken place, and the bank is responsible for my dispute when it could in fact be an error or fraudulent activity. The XXXX XXXX told me it isnt up for discussion, it is not being investigated any further than the label in which case was automatically applied at the time of dispute, and confirmed that I am out of luck when directly asked. Discover Bank has knowingly denied a claim without actual investigation into the matter and refused any further claims on said transaction in the future, per the previously stated phone conversation.

Company response to consumer: Closed with explanation