Consumer complaint received 2025-08-04 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: TN

Complaint narrative:
First, I would like to mention that XXXX is not my first language, and I sometimes struggle to fully understand financial or legal discussions. I believe this contributed to the delay in discovering the issue with my credit card and also played a role in miscommunications with Discover representatives. 

I am writing to file a complaint regarding unauthorized charges made on my Discover credit card by a company called XXXX. I opened the credit card account in 2023, and for a long time, I believed the charges were normal and from the bank. I only discovered by accidentin XXXX XXXXthat these charges were not authorized, when a friend explained to me that they were coming from an external company. 

After checking the account activity, I realized that XXXX had been withdrawing funds from my account for a long period without my knowledge or consent. The total amount withdrawn was around {$6800.00}. I immediately contacted Discover to report this. 

During one of the calls with Discover ( which included a translator ), I was told that the bank recognized the error and that I would receive a check for the full amount ( {$6800.00} ). They confirmed my home address and told me the check would arrive in about two weeks. The agent also clearly said that your bank owes you {$6800.00}.

However, after two weeks, nothing arrived. When I called again, I was told, Sorry, we should not have said we were sending a check. Later, I called again and was told something even more upsetting : that because my XXXX is limited, I must have misunderstood, and the check was only a temporary idea. This is completely false. 

I believe these calls were recorded, and I kindly ask that they be reviewed if needed to confirm what was actually said. 

On top of that, the bank later started to question why I didnt report the issue earlier, even though I was told at the beginning that you basically won your case. 

I believe I am being treated unfairly and misled multiple times. I have been emotionally affected by this experience, and I am simply asking for what I am rightfully owed. 

Please help me receive the full refund of the unauthorized charges. I am willing to provide any documents or account The bank previously told me that they would send a check to return the withdrawn funds, and I even received a letter confirming this. However, nothing was sent. 

Over the course of about three years, a total of approximately {$6800.00} was withdrawn from my Discover account by a company called XXXX in California. I was not subscribed to their service and never authorized these withdrawals. 

I contacted both Discover and XXXX several times. XXXX confirmed that large amounts were taken from me and told me that the bank should refund the money. However, Discover refuses to return the money and claims I should have reported it earlier. 

Discover did refund {$970.00}, but thats only a small portion of the total withdrawn. I have received over 255 separate transaction letters, each with a different case number but showing the same date ( XXXX ) and similar messages like Good news and amounts being withdrawn. 

This has been mentally and financially exhausting. I am simply trying to recover my own money that was taken without proper authorization. Im submitting this complaint to ask the CFPB to help investigate this issue and ensure that I get the full amount refunded.

Company response to consumer: Closed with monetary relief