Consumer complaint received 2025-06-30 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: PA

Complaint narrative:
THIS IS THE LAST SUMMARY I UPLOADED TO CREDIT CARD NOTIFYING THEM TO APPEAL. I UPLOADED DOCUMENTS WHEN I FILED THE DISPUTE. THE MERCHANT ONLY SENT MARKETING EMAILS AND I DELETED MOST WHEN I RECEIVED AN INITIAL CREDIT FROM THE CREDIT CARD. 

Re : Notice of Appeal Case # XXXX I received no product. No product was shipped. 

I ordered the product on XX/XX/year>. I canceled the order 4 minutes later based upon disturbing company reviews published by XXXX. 

The Seller did not address my cancellation but sent daily emails about how I am enjoying the use of the product, telling me that I haven't completed a medical profile and several other issues that do not acknowledge that I have canceled the product but imply that I am an active customer. 

Instead, the Seller bombarded me daily with an abundance of lengthy emails offering incentives * to purchase the Sellers largest package. I previously uploaded one of their twelve-page sales efforts. I am under no obligation to accept or decline the Sellers spam that offers incentives to make large purchases. I canceled my order immediately and had no further interest in their products. 

I canceled the XX/XX/year> order an additional 13 times trying to stop the spam.

The Seller provides one email address. Their telephone numbers play a recording stating that just provides the email address. 

Seeking help, I called Discover and notified them of the Sellers failure to cancel the order, provide a refund and cease the spam mail. In response, Discover instructed me to file a dispute on XX/XX/year>. 

I filed the dispute on XX/XX/year>. I uploaded an factual evidence. 

Their reply named " Chargeback Evidence '' has no date or page number and states : due to the customers cancellation request, the order was placed on hold. The document, and by phone, ( credit card ) Dispute Supervisor XXXX stated that I am not entitled to a refund because on XX/XX/year> ( this is incorrect. It was on XX/XX/XXXX ), a dispute was filed. As a result the order was canceled but due to the ongoing dispute the refund could not be processed. Therefore the customers claim is unfounded. 

I uploaded evidence listing documents, merchant refund terms and more demonstrating the validity of my dispute. I canceled 4 minutes after placing the order and an additional 13 times. I provided proof of XXXX  ( the name they used with me ) refund terms and claims. 

In the merchant 's reply, they imply that I conversed with their " team who, in response, offered a 30 % and 50 % discount that I never confirmed which caused the product to be placed on hold. '' Never happened - no conversation was ever offered, just spam that consisted of many incentives asking me to purchase large products, two of the many incentives were discounts. I canceled the order, never had any conversation and received no request to confirm anything. 
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* EXAMPLES OF THE INCENTIVES SENT SEVERAL TIMES DAILY : Their search for 10 to 20 customers TO PROVIDE TESTIMONIALS Welcome gift XXXX XXXX XXXX at no charge, worth {$290.00} The ULTIMATE solution, a recipe for 2 minute Digestive Harmony Tea Special VIP Gut Assessment Sellers search for 10 people to provide testimonials and reviews in exchange for achieving perfect digestion 30 % discount on purchase of their largest package 50 % discount on purchase of their largest package

Company response to consumer: Closed with monetary relief