Discover Credit Card Complaint

Discover Credit card department,

Billing disputes Ohio

In - - a California merchant, a -, auto-renewed a subscription I purchased in - without providing a working mechanism by which I could opt out of the auto-renewal. The only mechanism on their online site required me to cancel the current ( - ) subscription before its full term, forfeiting any unused portion. Since I paid for a full subscription, I refused to accept this requirement. Instead, I purposely withheld my Discover Card 's ( DC ) expiration date from the merchant, expecting a credit card transaction lacking a valid expiration date would be rejected by DC. Instead, DC approved the charge without up-to-date account information. I disputed the charge via a written claim sent under the Fair Credit Billing Act - - pages long, with online screen images of the merchant 's site, the merchant 's posted policies, excerpts from the - Auto-Renew Law and Restore Online Shoppers ' Confidence Act of - ( ROSCA.


that the renewal price was twice the original subscription rate, even though the merchant posted terms saying renewal pricing could change ). DC completely ignored everything I submitted to them. They said my claim was " incomplete and/or ambiguous ''. And they ruled in favor of the merchant, overlooking its fraudulent practices - delivering shorter subscriptions than advertised DC, meaning that customers could not possibly give the " express informed consent '' required by ROSCA. And the merchant 's violation of California law by failing to provide " clear and conspicuous '' and " working '' opt-out mechanisms. DC did no independent investigation of this matter as their corporate Internet prohibited access to the merchant 's website. And they were completely disinterested in ROSCA and the California Auto-Renew Law. Their only investigative act was reading the merchant 's statement and finding it completely valid.