Consumer complaint received 2024-07-31 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: FL

Complaint narrative:
Discover Card consistently fails to protect the interests of its cardmembers in any dispute. Despite earning a gross profit of {$15.00} XXXX in XXXX 19 % increase from XXXXDiscover Financial Services ' business model appears to exploit cardmembers like myself. I am charged over 26 % interest on my purchases, yet the bank provides no meaningful support, government oversight, or financial services arbitration. 

Discover Card, also known as Discover Financial Services, frequently refers to itself as merely a " documentary-only '' financial services company when it comes to billing disputes, errors, or fraudulent charges. They dismiss disputes without contacting the merchant on your behalf. I will report this to XXXX and the XXXX XXXX XXXX, where Discover has XXXX '' XXXX, + F- rating a lowest poorest rating in the industry bar none. 

Their practices prioritize profit over customer service, often laughing all the way to the bank deposit vault disregarding XXXX and XXXX industry charter arbitration standards for representing cardmembers ' interests-which they consistently exploit for profit. This is evident in a recent dispute regarding a charge for which no service or product was delivered. Despite my long-term customer relationship of over XXXX years and minimal prior disputes, Discover 's handling of this situation has been beyond unsatisfactory, Discover Card/ Discover Financial Services be warned as I will NOT accept No for an Answer Ever!

The following is the detailed dispute correspondence I sent : **Date : ** XX/XX/year> **Case # : ** XXXX XXXX # : ** XXXX **Merchant Name : ** XXXX XXXX Services, XXXX XXXX XXXX FL XXXX XXXX : XXXX {$140.00} -- - **Hello Discover Dispute Department : ** I am writing to address and support the dispute over a {$140.00} charge from XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX which I believe is deceptive and fraudulent. This charge was labeled as a warranty but does not fit the definition of a warranty, which should involve remedial services.

The merchant has employed deceptive practices, such as labeling this charge as " XXXX XXXX  XXXX XXXX XXXX '' while using spam tactics to pressure customers into scheduling unnecessary appointments. Below are some representative texts from the merchant : - XXXX XXXX, 2024 : ** Hi XXXX XXXX just a reminder to schedule your XXXX XXXX XXXX XXXXXXXX XXXX visit with XXXX XXXX  XXXX XXXX Reply here or call us at ( XXXX ) XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX dont miss out on your XXXX XXXX  visit with XXXX XXXX XXXX XXXX This is your last reminder to schedule. Reply here or call us at ( XXXX ) XXXX. 
- XXXX XXXX XXXX XXXX XXXX* XXXX XXXX XXXX dont miss out on your XXXX XXXX visit with XXXX XXXX XXXX XXXX This is your last reminder to schedule. Reply here or call us at ( XXXX ) XXXX. 
- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ready to help you. Give us a call to get your work scheduled. ( XXXX ) XXXX. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX dont forget about your XXXX XXXX visit with XXXX XXXX XXXX XXXX Schedule with us soon by replying here or calling us at ( XXXX ) XXXX. 

As evident, the merchants tactics involve deceptive marketing and pressure sales for services that are neither required nor needed. I request that Discover Card permanently charge back the {$140.00} for services and products not rendered. This ongoing scheme is not only deceptive but also constitutes theft by deception. 

Please confirm a permanent credit of {$140.00} to my account # XXXX as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation