Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TX

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX\nConsumer Financial Protection  Bureau\nTo whom it may concern,\nI am submitting this complaint regarding Discover Cards handling of my disputed charges related to XXXX XXXX and XXXX, associated with Discover case number XXXX.\nBeginning in XXXX XXXX and continuing each XXXX  thereafter, Discover posted charges of XXXX  to my account for a XXXX  subscription through XXXX XXXX. I did not authorize these charges and have never had a XXXX  account. Before disputing the charges with Discover, I contacted XXXX XXXX customer service by phone. XXXX XXXX representatives informed me that they could not locate any XXXX  account for me under my name, any of my current or prior email addresses, phone numbers, business names, or business phone numbers. They stated that there was no record of me ever having XXXX.\nXXXX XXXX also sent me an email advising me to dispute these charges with my card issuer because they could not find any record of an account or valid basis for the charges. Relying on that guidance, I opened a dispute with Discover and explained that XXXX XXXXXXXX confirmed there was no XXXX  account associated with me and that the charges were therefore invalid.\nDespite this, Discover ultimately denied my dispute. Discover relied on a generic form letter from XXXX XXXX that merely stated the customer agreed to pay this amount at checkout. That letter did not include my name, signature, date, or any information tying me personally to the transaction. It did not demonstrate that I authorized the charges or that an account existed in my name. Nevertheless, Discover accepted this non-specific form letter and refused to reverse the charges.\nI have been a long-time Discover cardholder, going back to when many merchants would not even accept Discover. I am frustrated and disappointed that Discover has chosen to side with an unsupported form letter over clear evidence from XXXX XXXXXXXX own records that no XXXX  account exists for me and that the charges are incorrect.\nI am requesting the following relief:\nXXXX. A full credit of all XXXX-related charges posted to my Discover account since XXXX.\nXXXX. A reversal of any interest and fees that were assessed as a result of these erroneous charges.\nXXXX. A review of Discovers handling of my dispute, including why a generic, non-identifying merchant letter was considered sufficient evidence against a consumer who had already confirmed with the merchant that no account exists.\nI am attaching copies of:\n The email from XXXX XXXX  indicating they could not find any XXXX  account for me and advising me to dispute the charges with my card issuer.\n My correspondence/notes showing the dates of my calls to XXXX XXXX and Discover.\n Any Discover letters or messages denying my dispute and referencing the merchants form letter.\nI believe this situation reflects an unfair handling of a billing error and an inadequate investigation of my dispute. I respectfully request your assistance in having these charges and all related interest and fees removed, and in ensuring that Discover complies with its obligations to properly investigate and correct billing errors.\nThank you for your time and attention to this matter.\nSincerely,\nXXXX XXXX XXXX XXXX XXXX\n\nFw: Membership Support Form | Membership Contract | XXXX XXXX\n\nXXXX XXXX \n1XXXX (7 hours ago)\nto me, XXXX\n\n\nFrom: Intake \nSent: Tuesday, XXXX XXXX XXXX XXXX XXXX\nTo: XXXX XXXX \nSubject: Membership Support Form | Membership Contract | XXXX XXXX\n \nBelow is a copy of your Membership Support Form submission. You will receive another email update once it has been updated.\n\n____________________\n\nSubmitted By:\nXXXX XXXX\nAdvanced Repair Agent\nXXXX\n\nWhat can we help with?\nMembership Contract\n\nSubmission Details:\nfoXXXX XXXX XXXX XXXX XXXX XXXX  they have been getting charged XXXX  for XXXX  years from XXXX  however after calling our XXXX number they had mentioned there is no recollection of XXXX  being charged for XXXX  the Bridge had mentioned to submit this form & informed client to go to their bank to have charges dispute-SB'

Company response to consumer: Closed with explanation