Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TX

Complaint narrative:
This is a complaint against the water company XXXX XXXX XXXX XXXX XXXX XXXX Provider for XXXX XXXX XXXX XXXX THAT IS USING and applying all the monthly charges from XXXX XX/XX/XXXX Till Present XXXX via my Discover Card for autopay. 
Used card : MY DISCOVER CARD THAT ENDS WITH XXXX as a form of payment for monthly water charges statements via Autopay. 
Numerous charges were Unauthorized by me, Yet They still charge it Fraudulently and illegally with their XXXX XXXX XXXX methodology On my household ( Husband and wife only in the house ) Husband mostly travelling for work purposes periods can reach 3 to 6 months at a time. 
Usage of water is extremely Minimal. 
We dont use city water for yard AT ALL. 
XXXX HAS BEEN DOING THE FOLLOWING : TO MY HUSBAND AND I SINCE XXXX Threatened Multiple times to shut the water off ( cut it off ) if I don't DOUBLE pay my monthly charges. 
Although I'm on auto pay on a monthly basis SINCE XX/XX/XXXX ( three years ). 
The MONTHLY payments has been Paid on time. 
There is no issues with the same. Method of payment ( DISCOVER CARD ) But yet they keep on telling me that the payment they did not receive. And later on. They find out that they actually did received the original payment with a method of monthly autopay. 
But dont want to repay us back the charges such as {$78.00} + XXXX XXXXXXXX the false shut down charging that they implied on us Unlawfully. 
On XXXX charge of {$270.00}, which was inflated ( to begin with ) my regular bill is usually average of {$110.00} plus processing fees roughly {$2.00}. 
On XX/XX/XXXX Forced me to either double pay the same amount of {$270.00} plus additional {$78.00} fees to Reactivate or reinstate the water back on. Which was {$78.00} plus {$30.00} for reversal payment ( they are falsely stating. 
That's what they were labeling fees an excuse to charge us Excessively. 
Harassing and illegally Bulling us ( my husband and I ) and also. Illegally done when I come out of my house and accidentally see that the water company is pulling my hose out and plugging in their Water hose. 
Trying to file out a six gallon container with my water. Just to prove our water consumption is high enough to justify the high inflated bill they are imposing on us in our water billing statement. 
So that they can justify why did they charge us {$270.00} dollars the first time, which they still received on time in XX/XX/XXXX and they double charged me again in XX/XX/XXXX and Then they went later on and reversed that amount very discreetly by Having the the payments separately refunded back to us in two separate payments one was {$110.00} in the form of check and then before that it was {$160.00} that was returned to my card. That totals the {$270.00}. 
{$270.00} was originally autopaid in XX/XX/XXXX and Forcefully made us repaid in XX/XX/XXXX So I can get my water back on. Otherwise. They will leave it shut off. That was a THREAT from them. 
They deliberately sent the letter. To a different. Or late. Sundays that we would not really get it on time in both incidents. So that they can have an excuse of shutting off our water and re forcing us to pay the rest of the other charges. 
On the second incident. The just occurred. On Sunday The XXXX, XXXX. I happen to be stepping out of my house and checking the mailbox and checking that everything is OK. In my front yard. And I found that letter that's threatening me to shut the water off again for a totally different incident. That. Was paid in XXXX yet they are stating falsely that it was not paid and they're going to shut the water off on us and apply more charges. Excuses. Excessive billing Repeatedly. 
When they discovered. That they did receive the original payment of {$270.00}. The first original payment That occurred In XX/XX/XXXX. They didn't want to come back. And. Admit to their. Falsy. Accusations of not receiving the original payment. But yet. They discreetly and irresponsibly. Returned. And refunded The double payment. That I made for {$270.00} the second time. So that they don't have in their books. That they are overcharging and double charging us. 
In the middle of the night on a Sunday. I don't know how do they do that unless manually someone put that letter at XXXX XXXX  of Monday in my mail box. Late enough that we dont have time to react to it accordingly. 
Thus, give them an excuse to force a shut down of our water unlawfully for the second time and apply more excessive charges on us. Without refund in the case they were Falsely Imposing Inaccurately, repeatedly. Unjustifiable Reoccurring incidents and charges on us. 
On XX/XX/XXXX. XXXX. I was checking on my credit card. That's on file for auto pay with XXXX. I suddenly found a few charges of {$190.00}. But if you look at the charge of this month, I took a picture of it, that is not my charge. My charge is a lot less than that. 
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX very late and normally there is no mail delivery on Sundays. To check the front of our house and mailbox. There I found in the mailbox XXXX  letter. And in the letter that was dated XX/XX/XXXX, they're threatening us that they're going to take me to the Attorney general office. And yet I called the attorney general office. We don't handle that kind of Incidents. 
This is a form of harassment that's repeated multiple times. Randomly. In the past six months of XXXX That's imposed on us unlawfully and falsely. With no proof of evidence of their actions toward us otherwise. 

XXXX  Facts : XXXX XXXX XXXX XXXX has been autopay charging us for water usage on a monthly basis statements since XX/XX/XXXX with no issues. 
Starting XXXX XXXX they installed a new application of their new portal. That had all sorts of issues since then. 
To a point, that we couldnt pay by autopay, and they had to assist in manually setting our account on the new application portal. 
On the new system they were manually talking our monthly payments via phone call for over 2-3 months. 
XXXX was lump summing months to account for Imperfections and glitches in the new system portal that they introduced in XXXX. 

HWWS never refund the excessive charge unless they are forced to have to do it because their accounting books will show double charges that they are stealing from us/consumers Fraudulently. 
XXXX  are applying Excessive. Unjustifiable. Fees and charges. So they can overcharge us. 
XXXX  illegally, incorrectly, and falsely accusing and harassing us. 
XXXX generates Letters that they Intentionally and deliberately sending them in the middle of the nights on Sundays giving us no time to react. 
XXXX creates Falsely accusations Justifying shutting the water off on us and charging us more unlawful fees. 
XXXX  Deliberately breaks the asphalt on XXXX XXXX XXXX when they were forced to fix the meter with the surrounded pipes. That they left still leaking with drips, and was Gushing water previously ( reason for our inflated bill in XXXX XXXX ). But they didn't want to fix it nor take ownership of the old meter and pipes in subject. 
XXXX Unprofessional created random breakage in the pipes now it's contaminated with all the soil/dirt surrounding the pipes in the ground. Because they don't seal it the professional/commercial way. 
XXXX is the cause of contaminating the Tap Water Consequently throughout the XXXX area. Not only our household, but throughout the whole XXXX in total. 

Requesting from XXXX : Refund all the charges that was imposed on us our household ( my husband and I ) Fraudulently and illegally. 
Refrain and stop the Threats, Harassment, and the form of Bullying Methodologies that they impose on us. Unlawfully. 
Refrain from sending letters in the middle of the Sunday nights via Illegal means. 
Refrain from Illegal Manipulation of their accounting Billing history and statements. 
Focus on XXXX XXXX XXXX XXXX XXXX XXXX pipe/meter as a whole Utilizing Billions of Dollar Funds received from the government that can lead to proper quality ( Odor and Coloration ) of the household Tap water. 

Requested Refund from XXXX  : Charges imposed on us our household ( my husband and I ) Fraudulently and illegally : Total= {$630.00} {$78.00} {$78.00} {$30.00} {$35.00} {$15.00} {$12.00} {$15.00} {$.00} {$1.00} {$40.00} {$41.00} {$100.00} for XXXX. 
{$200.00} for Water contamination causing XXXX problems. 
Requested Refund Total= {$630.00} Professionally fixing. The meter and Surrounding pipes. That are old with broken joint pipes and contaminated.

Company response to consumer: Closed with explanation