Consumer complaint received 2025-11-24 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:
am filing an urgent formal complaint against Discover Bank ( Dispute # XXXX ) for illegally denying my valid billing dispute and refusing to reverse a {$750.00} fraudulent credit-repair + fake business-loan scam in direct violation of the Fair Credit Billing Act and the Credit Repair Organizations Act ( CROA ). 
My full name : XXXX XXXX Discover card ( SSN ending XXXX ) Transaction : XX/XX/2025 {$750.00} Merchant : XXXX XXXX XXXX XXXX The attached 7-page contract was signed only with initials XXXX ( never my full name see every page where it says Recipient initial XXXX ). 
All communication with the merchant was in XXXX XXXXanguage through XXXX XXXX because both I and their representatives speak XXXX fluently. 
All screenshots of the conversation ( including their promise of a business loan of {$80000.00} or more, broken program links, and burner phone number ) are from XXXX XXXX. 
I have provided English translations of all XXXX messages using XXXX XXXX  the originaXXXX XXXX  screenshots + translated versions are attached. 
After payment XXXX services were ever provided : Over 20 unanswered calls from my phone ( XXXX ) XXXX to ( XXXX ) XXXX and burner number XXXX ( XXXX ) XXXX ( flagged as scam, screenshots attached ) They sent broken/non-working links to supposed programs and client portal all show XXXX errors ( XXXX XXXX XXXX attached ) Repeated verbal promise in XXXX of a XXXX XXXXXXXX business loan after credit repair not mentioned anywhere in the XXXX contract ( CROA 1679b ( a ) ( 3 ) violation ) I sent cancellation & refund demand no response 22 days later no credit reports pulled, no disputes, no consultations, no loan Discover denied my dispute ( # XXXX ) claiming only a contract was signed ignoring all evidence of fraud, non-delivery, and CROA violations. 
I request CFPB to : Order Discover Bank to immediately reverse the full {$750.00} ( Dispute # XXXX ) Issue permanent credit and remove all interest/fees Investigate XXXX XXXX XXXX XXXX for systemic CROA violations , false loan promises, and targeting XXXX-speaking consumers with bait-and-switch tactics Attachments ( all uploaded ) : 1. Full 7-page contract ( signed only with initials XXXX ) XXXX. XXXX XXXX screenshots in XXXX + XXXXXXXX XXXX  English versions XXXX. Screenshots proving XXXX ( XXXX ) XXXX is a scam burner number XXXX. Screenshots of broken program links sent via XXXX XXXX. My cancellation & refund demand XXXX. Screenshots of their XXXX XXXXXXXX business loan promise ( in XXXX + translation ) 7. Discover dispute denial ( Dispute # XXXX ) XXXX. Transaction receipt This is a textbook scam targeting XXXX-speaking immigrants. I expect immediate full resolution. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX ending : XXXX Discover Dispute # : XXXX Transaction : XX/XX/2025 {$750.00}

Company response to consumer: Closed with explanation