Consumer complaint received 2025-09-10 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:
On XX/XX/XXXX I filed a dispute with Discover Card regarding a {$7000.00} payment I made to XXXX XXXX via XXXX XXXX XXXX. This payment was an investment in XXXX 's postal XXXX route in the XXXX SC post office. It was received by XXXX to her cosmetology business account XXXX after she sent the request to my email. 

The investment was in exchange for XXXX 's promise that I would receive a monthly residual payment until the end of his postal contract in XXXX. The joint venture contract provided that XXXX would refund my {$7000.00} within XXXX  days if he breached the contract. He did breach and the refund has not been paid. 

XXXX is a well known criminal and con man with many victims in XXXX XXXX and XXXX. He has absconded with up to {>= $1,000,000} and has not appeared for court or to face charges. A few weeks ago, XXXX of his victims who allegedly lost {$300000.00} to XXXX 's scams committed suicide. This was reported on the local news in XXXX SC and in the newspaper. There are/have been many lawsuits, a couple of judgments and XXXX pending. I have provided much info to the attorney for XXXX of the victims. This information was also uploaded to my dispute with Discover. 

The documents include a narrative of my experience, a copy of my XXXX  XXXX contract with XXXX, a copy of XXXX 's contract with the United States Postal Service, screenshots of texts between XXXX, XXXX, and me, and emails to me from the postal service admitting that they knew of XXXX 's activities, yet allowed him to operate his criminal enterprise from within the United States Postal Service with impunity. 

Discover claims that I did not prove my case, stating simply that the subjects did not provide any resolution SO they automatically denied my case. I sent slews of documents compared to the so-called merchant 's absolute non response. Discover continues to refer to these scam artists as " the merchant ''. There was no product purchased from a seller, nor was I a buyer. However, not receiving the thing of value that was promised by our contract, nor a refund, as promised, is so very similar to purchasing an actual animate product and not only, robbing me of the delivery, but being denied a refund. By their calculated premeditation it was as a charge that was coerced by XXXX, aided and abetted by XXXX, seized fraudulently from me to fund their scheme, with the intention of keeping my {$7000.00}, breaching the contract, and disappearing and refusing to cooperate. 

It is unconscionable to me that my myriad of supporting documents and proof is dismissed, especially when Discover admits that the alleged scammers have not participated in this dispute, not even to defend themselves. 

Here is the final decision that was presented to me in the chat : " I am a XXXX XXXX in Utah. I have reviewed your previous messages. I am sorry for the delay. Messaging is not always instant, as there XXXX be a delay due to how busy the messaging platform and if a supervisor is available at the time of your response. When you request a supervisor, your message is then transferred to our supervisor inbox. We respond back to you as soon as we can, which is usually within XXXX business days. 
I'm sorry to hear about your experience with not receiving the service you purchased. As a consumer myself I understand how this can be upsetting. Our dispute process is supported by documentation that can help us determine if a refund is due, based on several factors. Based on our reasonable investigation, we have made a good faith effort to reach out to the merchant to reach a resolution, however, the merchant responded with generic charge details, which did not offer a resolution. In this situation, we base our decision on the documents we received from both you and the merchant. With this case, because we received no documents supporting a credit being due we have to fall back on the original authorization. 
I appreciate you submitting documentation to the case, but it is not enough to support the reason for dispute or a credit being due. 
Since you feel this XXXX be a scam, what we would recommend is to contact your local authorities or the Attorney General or local authorities for your state to report the scam as this XXXX result in a more favorable resolution for you in this situation. I know this is not the ideal answer, but this situation we would have no further options without further supporting documentation. '' What more documentation could I possibly provide? Why are XXXX and XXXX not required to prove their innocence or scheme. 

It should be simple. There is proof that XXXX and XXXX are criminals. I am clearly a victim. They took {$7000.00} from me. I did not receive the goods they promised. I did not get a refund. They perpetrated this scheme using my Discover Card. This is supposed to be a reputable company which any holder would reasonably expect to offer protection, whether the purchase is for a vacation, a flat screen tv, or a small investment for a better way of life.

Company response to consumer: Closed with explanation