Originally Posted by AnalystGuy (Post 25795182)

There is an argument to be made that Discover is committing a UDAPP (Unfair, Deceptive, or Abusive Acts or Practices) violation because a reasonable customer would not expect to have to prove they did not purchase a gift card.
That being said, unless there is a high false positive rate (Discover incorrectly tagging purchases) I don't think there will be any action. CFPB is generally data driven in looking at practices that actually harm consumers or where they can right a specific wrong. I don't think this will qualify.

Originally Posted by susieling (Post 25803964)

any denial letter for $200 VGC (or any other small value GC) bought at Bestbuy?

Originally Posted by livestrongforever (Post 25804008)

I bought a bestbuy giftcard for $200 in early October and never got an email about it while my VGC purchases before and after all received Email. So you should be ok.

Originally Posted by jlienert (Post 25800972)

I have no idea how they operate, but I do have the feeling that there are a substantial number of false positives here. I have gotten 8 e-mails, and one of them was a false-positive. Granted, it is a small sample size, but even if the true false-positive rate is 1/10 of that, it is still more than 1% of the e-mails they send out. And of course people are probably using this for larger ticket items, which is what is likely to cause a red-flag in the first place. So I would not at all be surprised if there are enough false-positives to warrant a claim.

Originally Posted by susieling (Post 25803964)

any denial letter for $200 VGC (or any other small value GC) bought at Bestbuy?

Originally Posted by Chelski (Post 25804921)

But but but... Discover previously told me that they have a proprietary method to determine gift card purchases. THey also said they will not tell the public of their method. They even said they will pay out all AP bonus after getting the receipt and confirming no GC was purchased.

As you are well aware and a few other FTers I'm going to share a little secret... their proprietary method is to scare customers and demand their receipts even though their terms never required receipts.

Someone in Discover marketing should be fired over this disaster along with some of their lawyers.

Originally Posted by Falimz (Post 25806633)

Statement closed yesterday. Received my expected apple pay bonus through 10/16 (10/17 transaction was not included). This included a $1k courtesy allowance and 2 other legit transactions.

Originally Posted by JHermz (Post 25807410)

Same goes for me - AP paid through transaction on 10/15. (Next one was a few days later).