DISCOVER BANK

2018-02-07

Pikeville, NC

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Can't close your account
Company Response: Closed with explanation

Timely Response

2018-02-07

Gr, MI

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2018-02-07

Hialeah, FL

Problem with a credit reporting company's investigation into an existing problem

Student loan: Private student loan

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2018-02-07

Bronx, NY

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Problem getting a working replacement card
Company Response: Closed with explanation

Timely Response

2018-02-06

Beldenville, WI

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I submitted an online application for a student loan consolidation with XXXX XXXX XXXX on XX/XX/XXXX. Funds were dispersed XX/XX/XXXX to pay off various private student loans. The total amount was {$69000.00}. PRIOR to disbursement of the funds, I was not provided a promissory note, nor was I made aware of the terms of the note, including the interest rate, the manner in which payments would be applied and/or any default terms. In XX/XX/XXXX, Discover Student Loans purchased my loan. Around 4-5 years ago, I was curious about how much I had paid on this note and what I had left to pay. I was shocked to discover that of over $ 50K in payments, less than {$2000.00} went towards principal. I started to look into information like where they got the interest rate from, terms of re-payment, etc. I asked repeatedly for a signed promissory note that detailed these items out. They repeatedly told me that they got the interest rate from the promissory note. They sent me the application I submitted through XXXX and a generic promissory note that did not have my loan number on it, my name on it, and was dated a full two months prior to me having applied for the loan in the first place. Over the past 12 years, I have paid {$68000.00} towards this note. I was continually threatened with them " charging off '' the loan, even though they lacked the terms and conditions in a promissory note that would result in a charge off! The continually threatened to default me, even though all I ever asked for was proof that they had the authority to charge the interest rate they were charging and evidence of any type of authority to apply payments as they have. I have been exceedingly patient with these people. I have asked repeatedly for documentation regarding the proof or evidence that allows for what they are charging me and I am convinced that they do not have it, and that they are aware that they do not have it. I was informed today that my loan " charged off '', whatever that means. I believe that any negative reporting to the credit bureaus without indicating that this debt is disputed is a violation of the Fair Credit Reporting Act. I believe that XXXX and Discover both charging the interest that they have and applying payments without the proper authority in a signed promissory note violated the fair debt collection practices act. I sent Discover a demand for settlement XX/XX/XXXX. That settlement demand was denied, but they never gave me the courtesy of a reply to inform me of that. I learned that today while calling to check the status of things. The again informed me today that the interest rate was set by the promissory note.
Company Response: Closed with explanation

Timely Response

2018-02-06

SC

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Complaint: Discover has been adding a fee called discover payment protection that was not authorized by me since 2011 that I didnt notice. So I called them and told them I didnt authorize this and I want my money back. They did not hesitate to give my 6 month of it back and I said no you will give it all back that I consider it stealing from me. The lady I talked to said I only have 1 month to dispute a payment on my statement which if thats so they were more than happy to give the 6 months with no questions asked.
Company Response: Closed with explanation

Timely Response

2018-02-06

Houston, TX

Struggling to pay your bill

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company won't work with you while you're going through financial hardship
Complaint: For years Discover card has been charging me very high interest rates XXXX, very high minimum amount dues, fees every month for many years now and it has ballooned my debt with them more than a 100 % of the original debt acquired with them and every time write a letter asking to lower the interest rates and lower the minimum payments they had refused to do so and still every month charge XXXX late fee because most of the time I am not able to cover the high minimum due payment it is being almost a year since I stop charging little things to this card not using it at all only payments, this month the minimun due {$320.00} is not possible and the optional payment plans they have online are only made so I can get into more debt with them not really helping at all but taking advantage of the economically deprived situation I am living. This company is the principal ripping company I am dealing with
Company Response: Closed with explanation

Timely Response

2018-02-06

Key Biscayne, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: Due to Hurricane Irma in the month of XXXX, I was placed on a Disaster Relief Program by Discover personal loans. My payment for the months of XXXX and XXXX were differed to the end of my loan. I received a letter of late payment during the month of XXXX, I contacted them directly and asked if everything was fine on my account. They said they couldn't control the automatic letters but not to worry I was enrolled in the program and I was not late on any payment. On XX/XX/XXXX, I was charged {$240.00} ( My regular monthly payment ) as if we were back on track yet I continued receiving late payment mail. I contacted them multiple times regarding this matter, every time I was told my account was up to date. My credit was ranging the 700 's when I suddenly experienced a drop to the 500 's. I started receiving email 's from other credit lines informing me they had decreased my credit limit due to a delinquent account I had. I contacted Discover immediately, they told me " We apologize, we don't know how this occurred. We'll fix it right away. '' This exact same conversation I have had it with 4 different representatives yet nothing has been fixed. It's been 6 months. Discover has damaged my credit score, credit history, and my opportunity to use my credit during this time period yet they don't seem concerned or have any intention on resolving the matter. I have even spoken to supervisors and managers, same information was told, same results were given.
Company Response: Closed with explanation

Timely Response

2018-02-06

Murray, UT

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: On XX/XX/XXXX, I sent a deposit of {$200.00} to Discover to open a new secured credit account. The information on the Discover website stated that as long as I made on time payments I would receive my deposit back, and graduate to a regular Discover card. On XX/XX/XXXX, I received my Discover card, and activated it. I have continued to bay off the balance, and currently carry a {$0.00} balance. In XX/XX/XXXX, I contacted customer service to ask about when I can expect to receive my deposit. I was told that Discover reviews accounts after 7 months. No further help was given.
Company Response: Closed with explanation

Timely Response

2018-02-05

Delray Beach, FL

Managing an account

Checking or savings account: Savings account

Problem accessing account
Company Response: Closed with non-monetary relief

Timely Response

2018-02-05

Kings Ferry, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: I received this XXXX XXXX XXXX of debt in 2015 to claim on my taxes. I got it after I filed my taxes. I ended up ammending them and claiming them on my taxes. I had to pay taxes on them so I have contacted Discover multiple times by phone and disputing on my credit report. They always come back with the information is accurate and will keep showing it on my credit report the way it is. I went and got credit counseling and they said what Discover is doing is illegal. They are showing a revolving balance and they charged it off and I claimed it as income. This has been an ongoing process for two years. I want it to show properly and not show a balance. This needs to be taken care of I will submit my proof along with this.
Company Response: Closed with explanation

Timely Response

2018-02-05

Bayway, NJ

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Unexpected increase in interest rate
Complaint: After Not being able to pay my bills due to employment termination i contacted discover several times. To make them aware that i am no longer working and i needed minimum payments they never responded. in the past they sent me {$100.00} to pay towards my discover bill which was kind of them however now i am working full time on XX/XX/XXXX i made my first payment of {$410.00} to catch up on my payments, On XX/XX/XXXX i made my second payment of {$140.00} and i noticed nothing changed as far as my available credit. i made a payment of {$25.00} on XX/XX/XXXX and another payment of {$110.00} on XX/XX/XXXX. and still my credit line keeps decreasing. so i called discover and the young lady told me that my credit line keeps decreasing because i am being charged interest. i explained to her that makes no sense because i am pretty much paying my bill to pay interest and she said yes that is correct. i explained to her i do not have this issue on any of my credit cards and she asked was there a balance and i stated yes there is a balance and i do not get charged interest. even when paying my bill with you all in the past there has been no interest charges of this significance. and that this must be some type of scam. she was not able to provide me with any information and this is absurd. i know credit cards have fees but not of this significance. and they offer no solution to help you. i am being charged {$110.00} for interest and my minimum balance due is XXXX what a way to scam a customer and then she tells me that is how we make our money.
Company Response: Closed with explanation

Timely Response

2018-02-05

Hollywood, CA

Struggling to pay your bill

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with monetary relief

Timely Response

2018-02-05

LA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: Discover Bank Supervisor, did a third party call to The Social Security Administration inference to me of someone is rejecting my payroll, when they should be putting my payroll their, in my checking account. The Supervsior, at the Social Security staff sent my Payroll to a close account, instead of and Open account, XXXX XXXX, than is correct maybe two account should have been opened, due to XXXX XXXX fraud, of wanting {$1200.00}, for {$300.00}, when Discover Bank did pay them on my payroll!! XXXX is committing the Fraud!!! I did give the Supervisor XXXX XXXX, ( ssa ) the correct checking number, on a timely basis, to put my payroll check into my account, which is {$700.00}, and for 30 employers, it should have been $ XXXXx12x4 IS $ = {$4100.00}, {$700.00}, never. Discover Bank supervisor, called the Federal Agency, concerns about she have no control over a closed check going into a Closed Account, and she thinks it may take two up until two weeks, it will never take two weeks to process a check, that should not be rejected, instead. Only Fraud checks should be rejected, or returned, not a good Check. My employer, I updated the check at my employer, and it was sent immediately, the next day. Discover bank, when my mortage person cause my check to nsf, discover was supposed to take {$35.00}, Someone at Discover bank once took to {$260.00} of my XXXX bill and necessity money!!!
Company Response: Closed with explanation

Timely Response

2018-02-05

Cutler Bay, FL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: In XX/XX/XXXX a fraudulent charge appeared on my Discover card from a company called XXXX XXXX WA for {$390.00}. I have not done business with this company before or since. Discover reversed the charge, originally from XX/XX/XXXX, but on XX/XX/XXXX, with no explanation, restored the charge. I called their main number at XXXX and spoke with a XXXX who claimed to be a supervisor. XXXX refused to correct the issue.
Company Response: Closed with explanation

Timely Response

2018-02-05

Beaumont, TX

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-02-04

Dallas, TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: Collection agency, who claims to be a law firm, XXXX XXXX XXXX XXXX XXXX, sent me an initial letter dated XX/XX/XXXX, allowing me 30 days to dispute the validity of the debt. HOWEVER, the actual postmark on the envelope and the mailing date was much later, on XX/XX/XXXX, thus shortening the amount of time I had to dispute the debt by NINE DAYS.
Company Response: Closed with explanation

Timely Response

2018-02-04

College Park, SC

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Company Response: Closed with explanation

Timely Response

2018-02-03

Nyc, NY

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I have a discover student loan with a balance of {$100000.00}. I have federal loans of over {$200000.00}. Two loans make up this Discover amount, one originally for {$30000.00} at 12.125 % and another for {$22000.00} 11.875 % and the interest rate changes all the time. It feels like I get a letter from them every month telling me the interest rate is changing, going higher. My parents took these loans out originally from XXXX to pay for my XXXX school around XX/XX/XXXX and I was not fully aware nor was I explained by any lender of what such high interest rates would mean once I finished XXXX school.The loans were subsequently sold to discover unfortunately. Both loans have essentially doubled now. I only began to enter repayment about a little over a year ago. My monthly payment is over {$1000.00} a month and it fluctuates due to the variable interest and I have never been able to afford this or consistently pay since I have been in repayment. I have been pausing other loans or using credit cards to pay what I can and my credit is now horrible. I have had a hard time passing all necessary tests since I graduated that I needed in order to work with my degrees. I finally have and would just like to be able to work and save some money for a rainy day and improve my credit. I have used forbearance and deferment and likely every other tactic I could just to get by for the past year. All the measures Ive taken are just not sustainable. There is no way I will be able to pay off this loan or even repay the amount I actually borrowed if Discover doesnt offer real reapyment options that reduce interests and payments to what people can make. Even if it extends the life of the loan, a lower payment I can actually make would be wonderful and I would never miss a payment. I went on Discover loans website the week mid XX/XX/XXXX to look at exactly all the options they offer since I was over 60 days late and just didn't know what to do and was told by Discover I had no options. One repayment option is hardship, where the interest rate is temporarily reduced for up to 12 months to lower your Minimum Monthly Payment amount, subject to a {$50.00} minimum. I contacted discover asking for this as I am clearly facing extreme hardship and have always since repayment began. I was been placed on a similar plan with XXXX XXXX for 24 months, which will absolutely help me save and just get to a better place financially. I was told they can not offer it to me unless the " loan says so ''. They also said that they can not tell me who qualifies for the program or really explain what this all meant, yet it is listed on the site as options for borrowers. This is essentially deceptive advertising. New borrowers likely have seen these options thinking that they will be available to them but they wont. Nor will Discover explain how to qualify for the one program that will likely save so many people from default. They consistency send emails or have agents tell you they have options for you if youre experiening hardship but all the options offered are temporary, add more interest to your loan or you actually dont even qualify for anymore. They have no other options for me and I do no know what to do as I know I can not afford this. Every other student loan has been flexible and have lowered payments and interest rates. Discover has been so unreasonable and truly does not give all repayment options as advertised to those who need assistance. Ive asked agents if they preferred default over working with me and they seem to prefer default. I tried to consolidate these loans with discover and of course I was not approved because they require a really high credit score. I can not get a high score and pay off debts with debts like this constantly looming over my head with constant calls from discover. Not paying other bills to manage to pay Discover has left me with bad cedit Ive explained so many times I can not just make the money appear out of thin air and they don't offer any real assistance. I am also enrolled in a debt management plan that unfortunately does not work with student loans. If they considered my debt to income ratio it would be clear that there is just no way. Discover truly does not have options to help people facing real hardship. Interest just keeps adding and adding and adding. I owe them double what I took out. They always say to ask my cosigner who just started working again after a serious work injury and absolutely can not help as well. If Discover cared to look at everyones credit profile as well as the totality of the circumstances they would offer real repayment assistance. I am only XXXX and I am considering bankruptcy SOLEY because of this loan or even defaulting on Discover because there are just no options. Discover does not provide its borrowers who can not pay their high minimum payments on loans with extremely high interest rates any settlement or reduced interest, or real ways to manage their payments. Additionally, in late XX/XX/XXXX, I requested to be removed off the reduced payment plan ( which reduced only about {$90.00} from the monthly payment ) so I could get forbearance for XX/XX/XXXX and XX/XX/XXXX Payments I could not make. I had somehow been making sure to pay just enough that I wasnt reported but this is no way to live, not paying other bills. I was told that if I removed myself from the plan I would get forbearance for my late XX/XX/XXXX and XX/XX/XXXX payments. Something in their system stopped the forbearance from working and they ultimately had to decide I would not be responsible for XX/XX/XXXX payment due to their system errors. I thought that come XX/XX/XXXX I would have to figure out how to make at least some portion of the monthly XX/XX/XXXX payment and all months from XX/XX/XXXX to XX/XX/XXXX would be on eliminated due to forbearance they were to apply on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I learned from discover that the forbearance would not be applied to XX/XX/XXXX and XX/XX/XXXX payments and they would still be past due even though I had left the lower payment program solely because I thought this would happen. They said it would be instead applied to XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. I also found out these late payments were instead reported to my credit and I had 60 day plus late payment reflected on my credit report. I was ultimately forced to agree to pay the past due payments while they administratively removed my XX/XX/XXXX payment which they said was a way to " help me ''. I stopped paying other loans/bills to pay for XX/XX/XXXX during XX/XX/XXXX and I now have to somehow make sure I pay $ 700+ in XX/XX/XXXX to cover XX/XX/XXXX to not be reported past due for XX/XX/XXXX even though they told me forbearance would apply to them. They told me they would remove the late payments from my credit report. I am not sure if they have yet. I took this option because I felt trapped just so I could get the derogatory marks removed from my credit. They said that me paying XX/XX/XXXX and XX/XX/XXXX would be less than XX/XX/XXXX and XX/XX/XXXX however if forbearance was applied as they said they would I wouldnt have been in this issue. My credit has plummeted do to THEIR error and it plummeted at a time where I had another creditor report incorrect late payments. Just because Discover is offering to remove the marks now does not mean my credit will go back to how it would have been. The real effect on my credit score of their incorrect reporting in conjunction to the other creditor likely can not be calculated. I also asked for the agent I spoke to to tell me in writing they would remove the late payment marks and she would not. She said it was not something she would put in writing and insinuated they would have to receive XX/XX/XXXX payment in order to do so even though they should be obligated to correct the mistake anyway because it was THEIR mistake. It is them who told me the forbearance would be applied to XX/XX/XXXX and XX/XX/XXXX. It was on a recorded call and it can never be denied. They also subsequently apologized for the mistake on a recorded call. I should have been forced to find {$700.00} just so the incorrect late marks would be removed from my credit. I did not choose this company and I would have never. XXXX was my original servicer. I would never want to be stuck with a company that isn't flexible. If you look at the attached statement youll see very little of the minimum payment is actually applied to the principal of the loan which effectively means I will likely never pay off this loan on cure I would attach my original loan details but they are not available online.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-03

Ehrhardt, SC

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: When I would view my credit card statement online, it would show that if I paid a certain amount how much the credit would cost me and how long it would take me to pay it off. I am an online statement customer. I logged into my Discover credit card on XX/XX/XXXX and looked at my statement to find that information and it was no longer there. It used to show that information. From research, I found that there was a law initiated in XX/XX/XXXX, that this information is suppose to be available to consumers. I was looking for this information as I was thinking about taking out a loan at a lower rate than the Discover card and without that information, I am unable to move forward. The first agent I initiated chat with online stated that it is on the paper statement. Again, I get my statement electronically and again, it used to be available until they updated their website. The site is user friendly and pretty, but if it doesn't have the information I need ; what good is it? Please advise if this law is still in effect and if it is ; how do I make Discover accountable. Thank you for your help.
Company Response: Closed with explanation

Timely Response

2018-02-02

East Windsor, NJ

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Complaint: I am a cosigner for both of my son 's loans with Discover Student Loans, now being serviced by XXXX. I have repeatedly asked for a statement for income tax purposes showing how my payments were allocated ( I do not see any of this on their payment screen and can not make an option ). Representative XXXX, has emailed me numerous times over the last week or so that they do no give out that information. If I am remitting payments/monies toward scheduled payments, then I believe I am entitled to a statement and any documents necessary for a tax return.
Company Response: Closed with explanation

Timely Response

2018-02-02

Centerton, OH

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Charged too much interest
Company Response: Closed with non-monetary relief

Timely Response

2018-02-02

Mill Valley, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: Dear Consumer Financial Protection Bureau, I am writing to you to ask about a situation I encountered recently that just doesnt seem right. Part of what happened involved fraudulent use of one of my credit cards, which is why I am contacting CFPB. ( The remainder of this situation appears to require me to contact a different bureau or agency. ) My concern is not about getting any form of financial reimbursement, as the credit card company removed the charge when I contacted them to report the fraud. My concern is about how this situation could have happened to begin with. If what happened to me isnt already illegal, I dont understand why. Heres what happened : Last XX/XX/XXXX, I received an email notification from XXXX XXXX ( now part of XXXX ) that a renewal order had been placed for one URL that I have registered with them, out of several URLs I have. The order was for {$44.00}. I didnt place that order. So, I logged into my XXXX XXXX account and discovered that, indeed, an order had been placed on XX/XX/XXXX, to renew one account and that the order had been secured with a Discover credit card account that was mine, but that had been expired for 5 months at the time of fraudulent use. I contacted the Fraud Department at Discover on XX/XX/XXXX to explain what I thought had happened : That most likely, I was one of the millions of people affected by the massive data breech Discovery had recently experienced, and that the small charge on my credit card was a phishing attempt to see if anyone noticed. The rep I spoke with at Discover was XXXX. Later, in my extremely frustrating contacts with XXXX XXXX ( I lost the URL through what I believe to be very questionable business practices that I am also in the process of reporting ), XXXX XXXX tried to tell me that it was common for a company to use an expired card to process an order. I was flat out taken aback. I could see it if we were talking about a difference of a few days, one of those situations where a charge was made on the last couple of days a card was valid, and the charge was over the weekend, etc. but FIVE months? So these are my questions to you : 1 How can it be legal for a company to use a credit card to secure a purchase when that card has been expired for 5 months? If I walked into a store and tried to use that card, that card would be declined. Why is the use of this same card over the internet different? It seems to me that this kind of situation should be managed through financial regulatory agencies at a national level and not through an individual companys business policies or practices. XXXX XXXX should never have been able to confirm that transaction through Discover. 2 It appears the fraudulent URL order was placed online. How did the person placing the order get the security code? I had the expired physical card in my possession. According to Discover there had been no charges made on that card since XX/XX/XXXX. I do some online purchasing, but not a whole lot, and I dont do any banking or paying of bills online. I would really like to hear back from someone about what happened to me as I wonder how many other people this happens to, and how this risk can be controlled. Sincerely, XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-02-02

Central Nyack, NY

Incorrect information on your report

Credit card or prepaid card: General-purpose credit card or charge card

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-02-02

Long Beach, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: On XX/XX/2017, I went to XXXX XXXX in XXXX, CA and purchased a XXXX refrigerator and a XXXX dishwasher. Pictures are attached, both appliances were complete/no parts missing except that the salesperson XXXX said that he thought a waterline might be missing from the installation kit for the XXXX dishwasher but he reassured us one would be on the truck when both appliances were delivered on Saturday. I emphasized that this was important, as the plumber told me to inquire about this so everything would be ready when the plumber came to hook up the dishwasher and he wouldn't have to charge us extra for the part and the time to go and get it. When the delivery arrived on Saturday, not only was the dishwasher missing the waterline, it was also missing 1. a spray arm 2. the bottom kickplate and cover for the electrical connection. The refrigerator was also missing a shelf for the door on the right side. When this happened, I was glad that I had called Discover Card and requested chargeback because the merchandise was missing parts that limited their functionality and also caused me to have to pay the plumber {$30.00} for the part and another {$70.00} for the extra time it took him to get the part. We had the installer for the dishwasher note the missing parts on the delivery receipt, and the delivery receipt for the refrigerator was also noted as missing a shelf by the delivery team. We immediately called XXXX XXXX, and were told we needed to talk with XXXX but he was " on the floor '' and would call us right back. It turned out to be very difficult to get hold of XXXX or anyone else who could help us. Also, we discovered that XXXX also worked at XXXX XXXX which we didn't know at that time had bought out XXXX XXXX. After a couple of weeks, my husband got hold of XXXX who said he would order all the missing parts and credit us for the missing water line and the extra plumber 's charge. That never happened and things got worse. The soap dispenser on the dishwasher broke. The Tuesday before XXXX, the refrigerator gave out when I had {$700.00} worth of food for a big family gathering and XXXX XXXX said it couldn't help because it was " over 30 days since the purchase '' They referred me to XXXX customer service which told me the model we were sold was over 1 year old and unless we had extended warrantee or proof of recent purchase, they wouldn't do the repair without full compensation. We were NEVER told that this was an old model refrigerator. My husband had to take time off from work to go to XXXX XXXX and get the paperwork necessary for XXXX to honor the warrantee. The parts that were ordered for the dishwasher and refrigerator turned out to be the wrong parts, and though we were assured that they would re-order the correct ones immediately, they didn't get the right parts until mid-XX/XX/XXXX. XXXX 's authorized repair service didn't have the parts available. Both my husband and I called countless times to XXXX XXXX trying to get hold of a manager or someone who could help us. We had to buy lots of very expensive dry ice to try and keep the refrigerator cold but most of the food ended up spoiling. It totally ruined our XXXX. I had gotten confirmation on my XX/XX/XXXX statement that Discover had removed the charges for both the dishwasher and the refrigerator so I had at least the consolation that I was not going to pay for non-working appliances. At the end of XX/XX/XXXX, I finally got hold of a manager and they took my non-working refrigerator and replaced it with one they had in stock that didn't have handles. After 3 attempts, the XXXX XXXX XXXX XXXX finally got the parts and fixed the dishwasher just before XXXX. Regarding the chargeback, we had submitted the receipts and notes from the installer early in the process to Discover as instructed. Then 2 weeks ago, I got a letter from Discover telling me that the chargeback was reversed because " XXXX XXXX refused to accept the chargeback '' I immediately called Discover customer service, and found out that without my knowledge DISCOVER HAD CHANGED THE DATE OF MY CHARGEBACK REQUEST TO XX/XX/XXXX!! The representative that I talked to could not explain the faintly printed strip that XXXX XXXX had submitted as their " proof '' that their charges were correct and everyone ignored the fact that I had dealt with XXXX XXXX and requested the chargeback to the seller-XXXX XXXX. I asked for a supervisor from Discover to call me back. I called twice more and was assured that someone would " call me back within 24 hours '' but no one ever has. I find this completely unacceptable. XXXX XXXX sold me defective merchandise and never compensated me for missing parts, repair charges, spoiled food etc. If it is true that Discover never notified XXXX XXXX/ XXXX XXXX until XX/XX/XXXX, why was the charge removed on the date I requested as shown on my XX/XX/XXXX statement which I have attached. More than 90 days had elapsed since I had notified them of my chargeback request and it is totally unethical that they would " fix '' the paperwork so that the response from XXXX XXXX appears to be submitted within the proper time frame Please see the 11 attachments
Company Response: Closed with explanation

Timely Response