Discover Credit Card Complaint

Discover Credit card department,

Credit card protection / Debt protection Minnesota

I called the -. They quickly transferred me to -. Who once again immediately dismissed my claim. And stated that they just administer based on the warranty provided to them by Discover. - provided me a copy of the warranty in place in -. I questioned the language and showed him where I was confused based on his denial. He stated that he was not allowed to change or interpret the language. But was instructed to deny the claim based on the language. The language in question is that of a " Covered Purchase '' - Warranty defines Covered Purchase as : " personal property, including gifts items, not otherwise excluded, that is purchased in full by the Insured Person using your Discover Card. '' - Warranty defines Covered Purchase as : " personal property, including gift items, not otherwise excluded that is purchased by the Insured Person using your Discover card. " Yet still my claim is denied? The other language change added to the - description included the line : " This coverage only applies if the Insured Person charged the entire cost of the Covered Purchase, less amounts paid with either cash, store credit, gift cards issued by Discover, or other noncard network branded gift cards, to the Insured Person 's Account during the Policy period. This coverage also applies to Covered Purchases that are paid via installment plan, as long as all installments due up to the date of loss have been charged or debited to the Insured Person 's Account. " It appears my exact scenario is what is described in the - language ... And it is how I as the consumer interpreted the original - language. Thus I used my Discover card and Discover rewards, along with a gift card to make the major purchase of a Flat Screen LCD TV. I now feel like the information was misleading and deceptive because I was not made whole by your third party administrator on the benefits that I believed came with my card when I made the TV purchase.