Consumer complaint received 2025-07-21 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: NC

Complaint narrative:
XXXX. Product & purchase ( XX/XX/year>, XXXXXXXX XXXX XXXXXXXX ) - I bought XXXX XXXX XXXX  tickets for the XXXX XXXX XXXX to be held in XXXX NC XXXX XX/XX/year>, through XXXX XXXX XXXX XXXX XXXX XXXX for {$120.00}. 

XXXX. Same-day cascade of contradictory delivery e-mails ( all on XX/XX/XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : says tickets are ready immediately and must be accepted within XXXX hours. 
- XXXX transfer invite ( XXXXXXXX XXXX ) : requires me to click XXXX XXXX  to move them into my XXXX account ; states This e-mail is NOT your ticket. 
- XXXX Order Processed ( XXXXXXXX XXXX  ) : contradicts both prior messages, saying tickets wont be ready until XX/XX/XXXX ( XXXX hrs before the show ). 

XXXX. My reaction ( XX/XX/XXXX ) Confused by the mutually exclusive dates, I e-mailed XXXX requesting cancellation & full refund and attached the XXXX conflicting messages. I never clicked the XXXX acceptance link ; no tickets were added to my account. 

XXXX. Dispute filed with Discover ( XX/XX/XXXX ) I provided Discover ( issuer ) with those e-mails, my refund request, and XXXX evidence showing XXXX  pattern of late-delivery and refund refusals ( XXXX pages of complaints ). 

XXXX. ETC Dispute FAQ blast ( XX/XX/XXXX before Discovers first ruling ) XXXX sent a boiler-plate common dispute responses e-mail admitting they receive frequent disputes, telling me I could drop your dispute and regain access to your tickets or re-sell them through a partner siteagain confirming I never had possession. 

XXXX. Discovers ruling against me ( XX/XX/XXXX ) Discover closed the investigation, calling the transaction valid solely because XXXX sent an invitation to claim tickets. They provided no evidence I accepted or received usable tickets. 

XXXX. Rebuttal & second denial ( XX/XX/XXXX ) I submitted a formal rebuttal citing Reg Z 1026.13 ( a ) ( 2 ) ( ii ) ( goods not accepted by the consumer ). Discover again sided with the merchant. 

Why this is a billing error under the FCBA / Reg Z : - No delivery or acceptance An e-mail invite is not proof of delivery. XXXXDiscover have produced XXXX evidence that I clickeXXXX XXXX downloaded barcodes, or otherwise received usable tickets. 

- Conflicting communications XXXX incompatible delivery dates within XXXX hours constitute misleading information ; I reasonably refused to accept the transfer. 

- Issuer duty unmet Reg Z requires the issuer to determine whether goods were accepted or delivered as agreed. Discover relied on an invite rather than proof of delivery/acceptance. 

- Pattern of abuse XXXXXXXX XXXX  pages show identical complaints ( late/non-delivery, no refunds ). 

XXXX requested : XXXX Discover to credit the {$120.00} ; compel XXXX to cease deceptive practices regarding ticket delivery. 
The concert takes place next weekend ( XX/XX/year> ). I have no intention of accepting the outstanding transfer invitation because the merchants contradictory communications and refusal to refund have destroyed my confidence in the transaction. As it stands, the merchant retains my {$120.00} while I remain without any usable product or ticket.

Company response to consumer: Closed with explanation