Consumer complaint received 2025-11-13 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: OR

Complaint narrative:
On XX/XX/year>, I disputed a {$1200.00} charge with Discover Card for an illegal short-term rental. I provided a comprehensive XXXX evidence packet. Discover denied my dispute on XX/XX/year> after only 11 days - insufficient time to properly review such extensive documentation. 

WHAT HAPPENED : I booked a studio through XXXX for October 16-22, 2025 for a healing trip with my daughter. On XX/XX/XXXX, a maintenance worker banged on my door demanding entry without notice. When I opened the door, he pushed past me into my bedroom, refused to leave, and said " Let me in. '' Frightened by this physical intrusion, I immediately called XXXX while still inside, repeatedly explaining the rental was illegal under XXXX XXXX XXXX XXXX XXXX XXXX and describing official warning signs posted in XXXX building locations. Despite my detailed explanation, the agent refused to acknowledge illegality but promised a refund. I also emailed XXXX photos of the signs. They later refused to honor their promise. 
My daughter and I fled, paying {$1400.00} for emergency hotel. 

EVIDENCE PROVIDED TO DISCOVER ( XXXX PAGES ) : XXXX. Photos of official signs in XXXX locations stating " SHORT-TERM RENTALS ARE ILLEGAL PER XXXX XXXX XXXX XXXX SECTION XXXX '' and " YOU MAY BE VICTIM OF A SCAM '' XXXX. Host 's instructions claiming " we have a permit '' and telling guests to " ignore those signs '' XXXX. Photo of XXXX building keys in unsecured sidewalk lockbox - proving large-scale operation and security breach XXXX. Property operator 's admission the worker entered without proper notice XXXX. Messages documenting commercial hotel infrastructure ( shared " guest '' WiFi, no individual modems ) XXXX. Photos showing kitchenettes and hotel-style furnishings- proving purpose-built commercial units, not residential apartments XXXX. Parking instructions for XXXX reserved spots at separate location - multi-property operation XXXXRecorded call where I begged for help after the worker pushed past me, explained the illegality, and described the signs XXXX. Emails I sent to XXXX with sign photos proving illegality XXXX 's written refusal after receiving evidence XXXX. Emergency hotel receipts ( {$1400.00} ) WHY THIS IS AN FCBA VIOLATION : The service was " not delivered as agreed '' under XXXX XXXX XXXX : ILLEGAL - Building signs confirm violation of XXXX XXXX XXXX XXXX FRAUDULENT - False permit claims, instructions to ignore legal warnings UNSAFE - Compromised security ( XXXX system ), maintenance worker physically pushed past me into my bedroom without notice, unlicensed hotel operation BREACH OF PROMISE - XXXX received emails with sign photos, refused to acknowledge illegality, promised refund, then refused DISCOVER 'S INADEQUATE INVESTIGATION : Discover 's XX/XX/XXXX denial letter ( Case XXXX - attached ) proves inadequate investigation : XXXX. 11 days to review XXXX pages - XX/XX/XXXX dispute to XX/XX/XXXX denial. Impossible to properly review extensive evidence including photos, recordings, written admissions, contact merchant, and investigate in this timeframe. 
XXXX. Rubber-stamped XXXX 's response - Their response says " claim is invalid '' but ignores ALL my evidence : illegal signs, false permits, security breach, worker pushing past me into bedroom, emergency call, emailed photos. 
XXXX independent verification- Didn't contact XXXX XXXX XXXX XXXX didn't investigate ongoing violations I documented, simply accepted merchant 's word over comprehensive evidence. 
XXXX. Missed pattern of victims - XX/XX/XXXX review by another guest titled " DO NOT STAY HERE. ITS AN ILLEGAL ACCOMMODATION '' stating XXXX " hung up twice '' when requesting refund. 
XXXX. Didn't verify current status- As of XX/XX/XXXX, XXXX STILL hosts these listings with active " XXXX '' buttons. 

FINANCIAL HARM : Paying for illegal service I fled due to safety after maintenance worker pushed past me Interest on fraudulent transaction Over credit limit from Discover 's denial Reported to all XXXX credit bureaus, harming credit Forced to file small claims lawsuit Emotional distress from re-living trauma of physical intrusion CONCLUSION : I provided XXXX pages of evidence proving the service was illegal ( building signs ), fraudulent ( false permits ), and unsafe ( security breach, maintenance worker physically pushed past me into my bedroom ). Discover 's XXXX denial accepting the merchant 's generic response without addressing my evidence violates FCBA requirements for reasonable investigation.

Company response to consumer: Closed with explanation