Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to dispute Discovers XX/XX/year>, response regarding my complaint about unauthorized recurring charges from XXXX XXXX XXXXXXXX XXXX. Discovers resolution is unsatisfactory and fails to comply with my protections under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, and Regulation Z, 12 CFR 1026.13. 
XXXX. Discover Misclassified Fraud as a Billing Dispute.

From the outset, I stated that I did not authorize these charges and did not recognize the merchant. Discover initially misclassified my complaint as a billing dispute rather than fraud, which led to an inadequate investigation. Only after I escalated did they open a fraud case which they then denied, despite lacking evidence of true authorization. 
XXXX. The Merchant Documentation Does Not Prove Authorization. 
Discover relies on the fact that the merchant produced my name and email address. This is not proof of authorization. Both are easily tied to a compromised card number and do not demonstrate that I consented to recurring charges. The FCBA requires issuers to protect cardholders against unauthorized use not to assume authorization from minimal identifiers. 
XXXX. Payments and Statement Review Do Not Negate Fraud Protections. 
Discover argues that I made payments after the transactions and that I reviewed my account before reporting. Neither point eliminates my FCBA rights. Regulation Z allows 60 days from the statement date to report unauthorized charges. Small recurring charges ( {$21.00} ) are particularly difficult to detect immediately, especially on an account with large monthly activity. The FCBA was specifically designed to protect consumers in this situation. 
XXXX. Federal Law Caps My Liability at {$50.00} Discover Has Breached That Protection. 
The FCBA limits my liability for unauthorized charges to {$50.00}, and Discover itself advertises a {$0.00} Fraud Liability policy. By refusing to refund {$280.00} in unauthorized transactions, Discover has violated both federal law and its own policy.

5. Compensation for Violations of My Rights. 
In addition to a refund, I request that the CFPB consider statutory damages as provided under the FCBA. Discovers refusal to properly investigate and resolve this fraud has caused financial harm, forced me to expend significant time and effort, and directly violated my rights under 15 U.S.C. 1666. I therefore request : A full refund of {$280.00}. 
Statutory damages of {$1000.00} under the FCBA.

Actual damages as appropriate for the mishandling of this fraud claim.

Assurance that Discover will correct its internal procedures to prevent recurrence.

Conclusion Discovers response does not comply with the law, misapplies the facts, and leaves me unfairly liable for fraud. I respectfully request that the CFPB reopen this case, enforce compliance, and ensure I am made whole, including compensation for violations of my rights. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation