I got scammed by someone who I know, they scammed my Discover card, and I recognize that I trusted the wrong person.
BUT Discover has this new (?) thing where if someone charges your credit card and you recognize the charge but it’s the wrong amount you can’t dispute it you have to seek reimbursement from the business.
They confirmed to me that if I put down a $10 tip on a restaurant tab and the waitress changes it to 100 I can’t dispute that and get my $90 back from Discover card. I have to try to get the restaurant to give it back to me and if they won’t I guess I have to call the police and hope they charge the person and I can get it back in restitution in three years or something.
This is the craziest thing. Admittedly I don’t make a habit of doing chargebacks or disputes, I had to do one last year for three dollars because I couldn’t cancel cloud service And there was no way to stop the recurring charge. Then back in 2020 I did one because the compounding pharmacy sent me the wrong prescription strength and they wouldn’t fix it.
So I rage quit the card. Basically they’re claiming that if I authorize someone to charge my card I’m shit out of luck if they charge it for any amount I didn’t authorize unless I have a receipt that is a different amount than they charged. BE WARNED. DO NOT AUTHORIZE A CHARGE WITH A DISCOVER CARD UNLESS YOU CAN PROCESS IT YOURSELF AND YOU GET A RECEIPT YOU CAN IMMEDIATELY EXAMINE.
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