Discover Credit Card Complaint

Discover Credit card department,

Identity theft / Fraud / Embezzlement Wisconsin

- - -, - -I am writing to you about a problem that I faced today. I have this problem, that could have been yours or Mr. Obama 's. Let me explain : Scenario 1. If # potus went to a store and bought apples for $20.00 using cash. The very next minute he saw his spouse carrying apples that she just bought. He would go back to the cashier and return the apples and get the - dollar bill. You 're with me - Right. Good now let 's seeScenario 2.


was credited back to your credit card-right ), well then you throw that receipt and forget about it. You 're still with me - correct. FACT ~ if you log into your credit card account, you 'll see that you were charged $20.00 ; but you 'll not see the refund amount for days and weeks & if it never got posted, you threw the receipt, do n't remember the amount, its date etc. its money gone into thin air. Someone pocketed it, you 'll never know or recall & you 'll end up paying the credit card company ( regardless of the actual situation ) till such time you do not get the credit from the vendor. I had this situation with - - - on -/-/2015. They said they had refunded the wrongly charged amount of $520.00 right away, but it is still not showing on Discover.com even as I write this article on -/-/2015 ( today being the - day ). Here is a screen shot. I called Discover and they said it may take around 15 days and if you still do not get the credit then let us know. If you swipe you credit card at a store and simultaneously log into your credit card account on your smartphone or any smart device like -, you 'll see that the CHARGED amount shows up in less than a minute, but the REFUND TAKES DAYS OR WEEKS. Something is fishy right here. What if you walk out of a store with a piece of paper showing the refund amount and then you lose that refund receipt & you did not get the credit back in your account? Money gone!! Bye Bye ... ... I have a return receipt of $9.00 dated -/-/2015 from - store -. -, printed at - hours, by associate -. -, transaction number -. I do n't see the refund amount on the credit card company website, whereas my understanding is that I was issued the refund right away as I returned the merchandise. Now - If I lose the refund receipt, I would not know the exact amount of the refund? How will I ever be able to claim a refund from an invoice that had - items and - item got refunded. Who is holding my money for 15 days and why? If the charge was posted on the last day of the billing cycle - I will have to pay the credit card company for merchandise that was returned and refund issued & if I do n't pay the entire amount to the credit card company, then I have to bear interest on short payment. Scenario 3. Ideally - If I swipe my credit card for $20.00 & - dollars shows up online as a debit or as a charge ( almost within a few seconds ) then return refund amount SHOULD SHOW UP dynamically too. The credit card company benefits and I can prove it. Consumers are being milked. I have to pay the money even when I did not buy the merchandise, was issued a refund. Now If I lost the refund receipt. I can forget that money. It 's not fair and # FTC should probe into it. - is just a # whistleblower. I can get this issue fixed for all the credit card companies. # FTC should initiate action right away. - has a solution to a MUCH BIGGER problem that # FTC and # - is facing daily. Meet up with me and you 'll love the technologically advanced innovative solution I have for you - I am certain you 'll have a big smile on your face.