Discover Credit Card Complaint

Discover Credit card department,

Identity theft / Fraud / Embezzlement Pennsylvania

On -/-/16 my Discover Card was charged $47.00, without my approval, for a subscription to a mobile application. Withstanding the charge not being authorized, the subscription for which I was charged was not credited or applied to any account or mobile device in which I possess. That is to say, no benefit was received. After contacting the Merchant directly, and finding them unable to assist ( due to incompetence or failure to understand the issue ), I issued I charge-back with Discover Card ( case number - ). When the Merchant responded with information ( see Appendix A ) that was blatantly contradictory to my previous communications with them ( see Appendix B ), I notified Discover via writing of this fact ( see Appendix C ).


After a review of the documents in which Discover attached to the case, it became apparent to me that Discover Card deliberately and systematically censored all relevant information pursuant to my appeal. That is, they blacked out relevant dates, and other information in the appeal I submitted, which clearly highlighted inconsistencies in the Merchant 's claim. This action undoubtedly led to the improper denial of my dispute. ( See pages - of this letter ; Appendix C. ) Unfortunately, in this case Discover Card has acted in a manner which is inconsistent with its promise to deliver top-notch customer service, and --liability for fraudulent transactions. In denying my appeal Discover chose to censor and suppress contradictory information rather than evaluate it in accordance with the Cardholder Agreement. For this reason, I consider Discover Card to be in breach of its obligations for which it is bound, and to be acting in a manner illustrative of disregard of its obligations. It behooves me to think of all the similar claims Discover suppressed in the spirit of appealing to Merchants as opposed to seeking a just resolution.