topic Re: Really Discover? in Credit Cards

Really Discover?

One7 — Tue, 17 Jun 2014 14:58:16 GMT

Last month I went to a trash dump to get rid of junk, recently opened a bakery for my DW and we had a lot of cleanup to do, and I paid $160 on my Discover card to dump. A week later I checked my account and there was a second charge for $81. **bleep**? So I immediately went back to the Eco Depot and asked for verification, which they couldn't do. In fact they had my original receipt and every one before and after the $81 receipt. In others words receipt 50,51,52,54 (just an example, the 53 receipt being the $81 charge) was completely deleted. So they couldn't do anything about it. I hit the dispute charge button online and was immediately reimbursed the money. Fast forward to yesterday, a month later, and the charge is put back on... ummmm ok. I then got an email stating that the place had verification and Discover was ever so kind enough to include it in the email. A receipt of the amount, signed by some random guy no where close to my name, and with the words "paid in cash" on the receipt. In fact the only reason it had a signature was because the place requires it, promise there isn't contaminates in your dump. Seriously? What kind of garbage is that? (haha) You would think Discover would realize something didn't quite make sense there? Anybody else have a similar experience?

Re: Really Discover?

Anonymous — Tue, 17 Jun 2014 15:01:07 GMT

NO! Hope you dive in with both feet... and tear them a new ___!

Re: Really Discover?

coldnmn — Tue, 17 Jun 2014 15:06:12 GMT

Receipt paid in cash so why did they charge your credit card? Any time I get a receipt and pay by credit card its say paid by credit card. I would call Discover and challenge it. If it says paid by cash I would say why the blank are you charging me I never had the charge in the first place it said it was paid in cash. Good Luck!

Re: Really Discover?

One7 — Tue, 17 Jun 2014 15:10:10 GMT

I'm going to call here in a bit and jump all over this. The first thing I looked for was the last four numbers of my card, which are no where on the receipt, most places will have that on there or maybe even the type of card paid with and that's not on their either. I don't get this at all, very frustrating to say the least.

Re: Really Discover?

avggoal700 — Tue, 17 Jun 2014 15:11:12 GMT

Hopefully they will give you some type of cash back credit for your troubles

Re: Really Discover?

Anonymous — Tue, 17 Jun 2014 15:16:30 GMT

You would think they would verify that receipt a bit more than, "Oh, the merchant has a receipt!" So much for being on the consumer's side!

I havn't had an issue with any of my CC's yet. But, I had a nasty issue with Wester Union money transfer for an Ebay purchase, before PayPal was really in place as the main method of payment. After filing the fraud with Ebay, Ebay told me to contact my bank first to see what they could do. My bank reversed the amount back into my account. Western Union wasn't happy and started calling me 10+ times a day telling me what I did was illegal. I was a terrible person. I need to pay them back right this second. I told them I did what Ebay told me to do and if they had a problem they should contact the customer who did not send the product to get the money they feel they deserve. After all, they should verify their customers contact information is legit because if they aren't the solution to the fraud then they are the problem. I finally told them if they call one more time I would be filing a harrassment suit against them so they actually ended up trying to send the account to collections. A quick print out of the case with Ebay and a letter from my bank took care of that real fast. I have always been a fan of a bank who is actually on your side when it comes to consumer protection.

Re: Really Discover?

One7 — Tue, 17 Jun 2014 17:27:43 GMT

This is the receipt they sent me, I blacked out the company name, address and number so I won't get in trouble with the moderators. What do you think of this? Doesn't necessarily say "paid in cash" but does say cash, and nowhere does it have CC or any CC info. That isn't my name or anywhere near it btw.

mod cut-sorry, information is still visible on receipt

Re: Really Discover?

One7 — Tue, 17 Jun 2014 15:22:47 GMT

@Anonymous wrote:
You would think they would verify that receipt a bit more than, "Oh, the merchant has a receipt!" So much for being on the consumer's side!

I havn't had an issue with any of my CC's yet. But, I had a nasty issue with Wester Union money transfer for an Ebay purchase, before PayPal was really in place as the main method of payment. After filing the fraud with Ebay, Ebay told me to contact my bank first to see what they could do. My bank reversed the amount back into my account. Western Union wasn't happy and started calling me 10+ times a day telling me what I did was illegal. I was a terrible person. I need to pay them back right this second. I told them I did what Ebay told me to do and if they had a problem they should contact the customer who did not send the product to get the money they feel they deserve. After all, they should verify their customers contact information is legit because if they aren't the solution to the fraud then they are the problem. I finally told them if they call one more time I would be filing a harrassment suit against them so they actually ended up trying to send the account to collections. A quick print out of the case with Ebay and a letter from my bank took care of that real fast. I have always been a fan of a bank who is actually on your side when it comes to consumer protection.

Awesome! Terrible you had to go through all that trouble, but I'm glad it worked out for you. Hopefully Discover pulls through for me on this one.

Re: Really Discover?

One7 — Tue, 17 Jun 2014 15:31:12 GMT

Upon further inspection it does say Pmt: CR CRD , I must have looked over that when I saw the words CASH. Either way that's definitely not me, I don't get how that happened, should I be worried about future situations and ask for a new card, or just dispute this charge and be done with it?

Re: Really Discover?

coldnmn — Tue, 17 Jun 2014 17:28:07 GMT

@One7 wrote:
This is the receipt they sent me, I blacked out the company name, address and number so I won't get in trouble with the moderators. What do you think of this? Doesn't necessarily say "paid in cash" but does say cash, and nowhere does it have CC or any CC info. That isn't my name or anywhere near it btw.

If it's not you dispute it.

Re: Really Discover?

Anonymous — Tue, 17 Jun 2014 15:38:43 GMT

Now that you have a copy of the receipt, go back to the dump and have them reverse the charge, it is their mistake and not Discover's.

Re: Really Discover?

Irisa — Tue, 17 Jun 2014 15:46:40 GMT

@One7 wrote:
Upon further inspection it does say Pmt: CR CRD , I must have looked over that when I saw the words CASH. Either way that's definitely not me, I don't get how that happened, should I be worried about future situations and ask for a new card, or just dispute this charge and be done with it?

Receipt does say CR CRD as payment and has an authorization #. This was Eco Depot's mistake, they charged the wrong credit card. Personally I would go back and ask them to refund me the money since they have conveniently found a receipt when Discover requested it. Or you could try contacting Discover and see what they say. They have pretty good customer service. Hope this gets resolved soon.

Re: Really Discover?

One7 — Tue, 17 Jun 2014 15:43:47 GMT

@Anonymous wrote:
Now that you have a copy of the receipt, go back to the dump and have them reverse the charge, it is their mistake and not Discover's.

Good idea! I'll probably do that first. I'll ask to talk to the same person as last time who "couldn't find the receipt".

Re: Really Discover?

Irisa — Tue, 17 Jun 2014 15:44:44 GMT

@Anonymous wrote:
Now that you have a copy of the receipt, go back to the dump and have them reverse the charge, it is their mistake and not Discover's.

Exactly what I was thinking, but you beat me to it. I have to stop getting distracted by work in the middle of typing replies.

Re: Really Discover?

One7 — Tue, 17 Jun 2014 15:45:47 GMT

@Irisa wrote:
@One7 wrote:
Upon further inspection it does say Pmt: CR CRD , I must have looked over that when I saw the words CASH. Either way that's definitely not me, I don't get how that happened, should I be worried about future situations and ask for a new card, or just dispute this charge and be done with it?
Receipt does say CR CRD as payment and has an authorization #. This was Eco Depot's mistake, they charged the wrond credit card. Personally I would go back and ask them to refund me the money since they have conveniently found a receipt when Discover requested it. Or you could try contacting Discover and see what they say. They have pretty good customer service. Hope this gets resolved soon.

I noticed that after, I was so frustrated and irritated I must have saw the word cash and over looked the other part initially. I'm going to head there right now actually and let you know how this all pans out.

Re: Really Discover?

Carrie_in_Pa — Tue, 17 Jun 2014 17:51:43 GMT

I used to work at a store where we processed credit cards. It appears as though the person running the payments didn't close out your card payments before ringing up the next customer.

I know you said you were headed back there but if they give you a hard time, go back and tell them to look at the "closing" records for the day. If the employee collected cash off the next guy and included his payment on your credit card, then his drawer would have been over a the end of the night.

Re: Really Discover?

Anonymous — Tue, 17 Jun 2014 18:03:52 GMT

@Carrie_in_Pa wrote:
I used to work at a store where we processed credit cards. It appears as though the person running the payments didn't close out your card payments before ringing up the next customer.

I know you said you were headed back there but if they give you a hard time, go back and tell them to look at the "closing" records for the day. If the employee collected cash off the next guy and included his payment on your credit card, then his drawer would have been over a the end of the night.

not if he pocketed the cash

Re: Really Discover?

One7 — Tue, 17 Jun 2014 18:09:41 GMT

I called to see if the person working the day I went there originally asking for a refund was there but he is off until Thursday, so I'm going to wait until then. He told me if I had a receipt he could refund it easily, I'll see if he is true to his word. Plus I won't have time today after all. It sucks having to go through all this but I WILL get my money back. Mostly for principle.

Re: Really Discover?

Anonymous — Tue, 17 Jun 2014 18:42:29 GMT

@One7 wrote:
I called to see if the person working the day I went there originally asking for a refund was there but he is off until Thursday, so I'm going to wait until then. He told me if I had a receipt he could refund it easily, I'll see if he is true to his word. Plus I won't have time today after all. It sucks having to go through all this but I WILL get my money back. Mostly for principle.

This right here. Personally, I would continue to escalate it with Discover. Receipt or not, you did not authorize your card for that purchase. Thus, it is a fraudulent purchase.

Re: Really Discover?

One7 — Tue, 17 Jun 2014 18:47:27 GMT

@Anonymous wrote:
@One7 wrote:
I called to see if the person working the day I went there originally asking for a refund was there but he is off until Thursday, so I'm going to wait until then. He told me if I had a receipt he could refund it easily, I'll see if he is true to his word. Plus I won't have time today after all. It sucks having to go through all this but I WILL get my money back. Mostly for principle.
This right here. Personally, I would continue to escalate it with Discover. Receipt or not, you did not authorize your card for that purchase. Thus, it is a fraudulent purchase.

Not going to lie, it does upset me that discover got a receipt from them with a name that obviously IS NOT mine, and instead of doing anything about it, just charged me back for it and said it was over. Going to have to think about this.