Discover denied 2 of 3 price protection claims

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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bruin27
 
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Discover denied 2 of 3 price protection claims

Postby bruin27 » Tue Jan 26, 2016 9:05 pm

So I purchased 3 pairs of shoes, all the same shoe, 1 was purchased a few weeks before the 2nd and 3rd. I filed a claim for price protection on the 1st pair as I found it cheaper elsewhere, the claim was immediately approved with no problem. I ended up buying 2 more pairs of shoes and submitted a price protection claim for the remaining 2 and I just found out the final 2 got denied. I called customer service and the rep told me in the notes it says it was denied because the site I found the cheaper price wasn't selling an authentic version of the shoe.

I was very confused as I used the exact site for the first shoe and it was approved so why would these be denied and how do they even know the site is selling non authentic shoes? Did they purchase a shoe and take it to some expert to examine the authenticity? The rep actually agreed with me and was confused also why it was denied but said I needed to call back in the morning to talk with a supervisor.

Any suggestions here? I have about 10 different web sites that have the shoes on sale right now, all for different prices but still about 100 dollars cheaper then what I purchased. If they don't like the site I used for this claim I can easily provide them with another site like Nike or footlocker that has them on sale and only used the original site because it got approved in the first claim so I thought everything was ok...


kdm31091
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Re: Discover denied 2 of 3 price protection claims

Postby kdm31091 » Wed Jan 27, 2016 7:35 am

bruin27 wrote:So I purchased 3 pairs of shoes, all the same shoe, 1 was purchased a few weeks before the 2nd and 3rd. I filed a claim for price protection on the 1st pair as I found it cheaper elsewhere, the claim was immediately approved with no problem. I ended up buying 2 more pairs of shoes and submitted a price protection claim for the remaining 2 and I just found out the final 2 got denied. I called customer service and the rep told me in the notes it says it was denied because the site I found the cheaper price wasn't selling an authentic version of the shoe.

I was very confused as I used the exact site for the first shoe and it was approved so why would these be denied and how do they even know the site is selling non authentic shoes? Did they purchase a shoe and take it to some expert to examine the authenticity? The rep actually agreed with me and was confused also why it was denied but said I needed to call back in the morning to talk with a supervisor.

Any suggestions here? I have about 10 different web sites that have the shoes on sale right now, all for different prices but still about 100 dollars cheaper then what I purchased. If they don't like the site I used for this claim I can easily provide them with another site like Nike or footlocker that has them on sale and only used the original site because it got approved in the first claim so I thought everything was ok...


I'd call and speak to the supervisor and go from there. Note that just because a benefit is offered, such as price protection, it doesn't mean you will always be approved for it in every instance. So it could end up just being denied and that's that.

If you knew you could get them cheaper elsewhere, why didn't you just buy them at the other site in the first place, rather than hassling around with a price protection system? I'd just pay less in the first place next time, not pay more and then try to get Discover to give me the difference. Why make life more difficult for yourself for no reason?

takeshi
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Re: Discover denied 2 of 3 price protection claims

Postby takeshi » Wed Jan 27, 2016 9:00 am

Call and escalate, if needed. Inquire why the site was accepted for one claim and not another. If needed, see if one of the other sites would be accepted if they continue to refuse to accept the site submitted.

bruin27
 
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Re: Discover denied 2 of 3 price protection claims

Postby bruin27 » Wed Jan 27, 2016 11:32 am

takeshi wrote:Call and escalate, if needed. Inquire why the site was accepted for one claim and not another. If needed, see if one of the other sites would be accepted if they continue to refuse to accept the site submitted.


So I finally got this issue resolved. It all had to do with a supervisor who thought he knew it all. First he claims it was denied because the site wasnt authentic. I asked him how could he tell, he said that because the site itself didnt have an official nike retailer tag or listed on the site that it was an official nike retailer that it doesnt sell authentic shoes. I said well theres a ton of mom and pop shoe stores that are authentic that dont have some official nike retailer logo on its website, he agreed and said well then actually it was denied because the SKU number didnt match up with the SKU number thats on nike's website. I told him well it actually does, google the SKU number on the site i used and the shoe will come up, sure enough he actually googled the SKU and low and behold NIKE.COM was the first site that came up. He said well it actually does match but I would need to call this website to verify still that they sell authentic shoes and I cant seem to find a number on the website. I gave him a link to shoepalace.com , an actual chain in california, the same as footlocker or champs sports etc, he then says well shoepalace isnt an official nike retailer, at this point the guy clearly doesnt know what hes talking about as I had to explain to him that shoepalace is an actual chain, it has actual stores in most shopping malls in california, nevada,arizona, new mexico and texas. At that point he was just quite, i thought we got disconnected and asked if he was still there, he told me to email him the links for shoepalace and he would honor the price... Such a joke

yfan
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Re: Discover denied 2 of 3 price protection claims

Postby yfan » Wed Jan 27, 2016 6:29 pm

kdm31091 wrote:If you knew you could get them cheaper elsewhere, why didn't you just buy them at the other site in the first place, rather than hassling around with a price protection system? I'd just pay less in the first place next time, not pay more and then try to get Discover to give me the difference. Why make life more difficult for yourself for no reason?

According to the corresponding thread on MyFico, OP did this because they want to support local small business, where the item costs more, but without actually paying the price for it, instead recovering the different from Discover. According to that thread, it also appears that the OP got this resolved, but got less money than his original ask with Discover.

Leaving aside the thorny issue of ethics, it occurs to me that this approach can actually do small businesses and consumers more harm than good in the long run. Discover could refuse to renew the contract with a given business because they got one too many price protection claims from its shoppers even because the shopper chose to use Discover as a discount retailer. Worse yet, Discover and other card companies could stop offering this benefit altogether. I would also add that if local small business is truly important to a shopper, they should also be supporting local credit unions by using their credit cards instead of that of a national giant like Discover.



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