Discover Credit Card Complaint

Discover Credit card department,

Credit card protection / Debt protection Michigan

On - -, 2016, I purchased a smart - Watch - - - at - - for $290.00 ( excluding tax ) using my Discover - credit card. I found a lower price on - -, 2016 for the same exact item on - for $220.00 ( excluding tax ). On - -, 2016, I submitted a claim for Discover 's Price Protection, a program which reimburses you for items purchased with your Discover credit card if you find a lower price for the item within 90 days. The claim was for $71.00 ( the difference between the price I bought the item for and the price I found a few days later for the same item ). When I filled the claim, the claim representative indicated that watches are excluded per the terms and conditions. I read the terms and no where did it state that watches were excluded. The representative claimed that watches are considered jewelry, which is excluded in the terms and conditions. I asked the representative if you can turn on and off jewelry items as my claim was for a smart watch that can be turned on and off. She agreed that you can not


Office of the claim administrator and they indicated that Discover gave them directions to exclude any item that even included the word " watch '' in the product name. I explained that the - Watch is a smart watch that is not sold in jewelry stores or in the jewelry department. Moreover, I explained that the - Watch is essentially a mini computer that you wear on your wrist, that can make and send text messages, calls, and even check the current weather ; I explained that the - watch is an electronic and not a jewelry item. She indicated that this is not the first time that a smart watch has been denied and it is under the direction of Discover. I called Discover prior to this conversation with the Claim Administrator, and the Discover customer service agent filed a inquiry regarding this subject matter and said the executive office may or may not contact me back. Discover never contacted me back. My claim was denied because Discover is claiming this is a jewelry item even though the claim administrator representative on - agreed that jewelry can not be turned on and off and thus agreed that the - Watch was not a jewelry item.