Consumer complaint received 2025-03-27 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: WI

Complaint narrative:
Complaint Summary : Issue : Credit Card Dispute Denied Despite Clear Evidence of Fraud and Consumer Safety Violations Bank Name : Discover Card Merchant Name : XXXX XXXX XXXX XXXX  Transaction Date ( XXXX ) : XX/XX/XXXX and XX/XX/XXXX Transaction Amount ( XXXX ) : total of {$1700.00} Complaint Details : I filed a chargeback dispute with Discover after purchasing a compounded medication from XXXX XXXX XXXX which was misrepresented, improperly produced, and potentially unsafe. Discover denied my dispute despite overwhelming evidence of fraud and consumer safety violations. 
The medication I received was : Not what was advertised Not compounded by the parties claimed Not safe or verifiable This is a case of consumer fraud and misrepresentation, not a simple merchant dispute. 
Key Facts Supporting My Chargeback : Regulatory Violations : The Florida Department of Health confirmed that XXXX XXXX failed to meet sterile compoundingstandards at the time of fulfillment. 
Violations included no cleanroom, no sterility testing, falsified labeling, and use of non-sterile equipment. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attached ). 
False Claims About Manufacturing Partners : The merchant claimed that the medication was compounded via XXXX XXXX XXXX and XXXX legitimate outsourcing facilities. 
XXXX XXXX directly denied this and stated : They sold only XXXX vials to XXXX in XX/XX/XXXX ( long after my order ). 
Their product is always labeled with Hybrid brandingthe vials I received were unlabeled or modified. 
They did not authorize or approve XXXX distribution of their products. 
( Supporting emails and chat logs from XXXX XXXX attached. ) State Licensing Violations : XXXX XXXX was not licensed to ship medications to Wisconsin, my state of residence. 
The Wisconsin Department of Safety and Professional Services ( DSPS ) confirmed XXXX was shipping medications illegally ( see attached DSPS email ). 
Merchant Refusal to Remedy the Issue : I contacted XXXX with my concerns and offered to return the medication. 
They never responded. 
Federal law prohibits me from mailing back prescription drugs ( Controlled Substances Act reference attached ).

Why Discovers Denial is Unjustified : This is not a legal dispute but a clear case of consumer fraud and misrepresentation.

Discover is failing to uphold normal chargeback protections for goods that were fraudulently marketed and potentially dangerous.

A refund policy does not excuse illegal activity or the sale of non-compliant, unverified medications.

Requested Resolution : I request that the CFPB intervene and require Discover to : Reverse the charge for this fraudulent and misrepresented transaction.

Uphold standard consumer protections against unsafe or deceptive medical products. 
Provide a full explanation of why they failed to act on clear regulatory violations and documented fraud nor did they acknowledge that XXXX is sending false documents which are shown thru documentation.

Company response to consumer: Closed with explanation