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

Dear cfpb This is my second letter to FTCB regarding the fraud account that was opened and also the research that was considered by the Associates of Discover bank AND XXXX XXXX ) executive office ) I have received a letter from Discover stating the reasoning I am liable for the fraud account and I would like to address some of the concerns that was put on the letter. 

For records I have attached the record with my FTCB complaint, this letter is also being transferred to the 3 credit bureaus, with affidavit of fraud notarized and signature of law enforcement officer are also obtained on the affidavits. 

I spoke to Ms. XXXX XXXX on XXXX XXXX, this was after I have called her office 3 times and left 3 voice messages, then I had to speak to some other gentleman to whom I demanded to speak to XXXX XXXX because she would not call me back and the letter clearly stated to call if any questions. I demanded Executive office to have XXXX XXXX call me back or I will file another complaint. 

When I spoke to Ms XXXX XXXX her reasoning behind making me liable for the fraud account was very vague and had no solid backing or evidence. She told me that she needed more information about the case, so far I have provided the office with my passport stamped with TSA rubberstamps stating I have left USA during the time when the account was opened, I offered XXXX XXXX my passport via certified mail because she can verify the TSA stamps stating that I have left USA, and also the immigration stamps when I arrived in XXXX, AND also when I left XXXX. Ms. XXXX XXXX chuckled ( mimicked ) at me stating that she does not require my passport as she already has the photocopies I have sent to her. Until now I have spent over {$40.00} in fax money at XXXX, only to be told by discover they will look over the evidence and let me know in 30 days Discover and its associates are not taking my evidence into consideration, I also offered XXXX XXXX to make a 3 way call to the officer assigned to my fraud case, again I heard an chuckle like she is mocking or mimicking me. Her attitude on the phone was very impolite and un-professional. I am asking for help and all she tells me to send more documents so they can look at it. Discovers associates has made me waste over {$40.00} in fax documents that I have sent, only to be overlooked and not to be taken into consideration regarding my fraud case. I really wanted to talk to Ms. XXXX XXXX and the officer of the law working on my case Lt. XXXX of the XXXX Police Department I also XXXX XXXX copies of fraud testament from my bank, that my account was compromised and used to make payments on the fraud account, AGAIN MS XXXX XXXX IS MOCKING AND MIMICKING ME. My XXXX XXXX XXXX confirmed fraud and has issued me new checking account numbers I believe that the investigation that was done by discover was very ONE-SIDED, with my evidence not being taken into consideration. I have send discover affidavits from the IRS that my tax documents were compromised to open to the fraud account. 

Following are the questions XXXX XXXX stated on the paper, and I believe is wrong because the team of Discover and herself have made up their mind that I opened the fraud account, even after providing sufficient evidence, they keep telling me to send more so I can waste even more money Ms XXXX XXXX stated that around XXXX she received documents to help open the account, those documents were locked inside my room, XXXX XXXX barged into my room and stole my documents to open the fraud account with Discover About the XXXX XXXX transaction I have never in the country so I had no idea about the transaction, BUT I DID CALL XXXX TO VERIFY IF AN ORDER WAS RECEIVED HERE ON THAT DAY OF XXXX XXXX. I HAVE WRITTEN TESTAMENT FROM THE DRIVER THAT MY ROOMATE XXXX XXXX HAS SIGNED THE PACAKAGE, I TOLD THIS INFORMATION TO DISCOVER ASSOCIATES AND XXXX XXXX, AGAINT THEY OVERLOOKED THE INFORMATION, THEY HAVE MADE UP THEIR MIND PRE-JUDGEMENTAL THAT I OPENED THE FRAUD ACCONT. WHAT IS NOT RIGHT is that discover backs up their customer with 100 % fraud help. I have XXXX drive testament that the package was delivered to my roommate XXXX XXXX. 

XXXX PD report says printed date of XX/XX/XXXX because that is the day when the forms were executed to be standardized for all police reports for the fiscal year of XXXX. This information can be verified with XXXX PD dispatch. AGAIN, I OFFERED XXXX XXXX TO MAKE AN 3 WAY WITH THE INVESTIGATING OFFICER. SHE REFUSED. I NEED REASONING WHY BECAUSE THE ACCOUNT IS FRAUD AND U ARE MAKING ME LIABLE It was also said that I said 2 different boarding passes, and that is because my flight was canceled. I used my email to receive all information and at that time, my desktop computer in my room was again COMPROMISED, when I came back to the USA my computer was missing altogether, there was nothing here, missing computer was reported in the police report summary and also told to discover associated. I TOLD DISCOVER THAT MY COMPUTER WAS STOLEN AND MY EMAIL WAS HACKED. The kp ACCOUNT that was used to email the documents was again hacked because that is my work email, and my account can be accessed through my computer. My roommate stole my desktop and had access to many of my documents and banking websites. I even had to incur fraud tax reports for the year of XXXX According to the letter it states that within 3 minutes of credit card being activated and fraud transaction with XXXX was made, this is an exact indication of fraud, AS I WOULD NEVER PURCHASE SOMETHING 3 MINUTES AFTER OPENING THE ACCOUNT AND CAUSING MY SELF DEBT I CAN NOT AFFORD. I RECENTLY LOST MY MOTHER, AND I CAN NOT AFFORD JEWELERY. Again XXXX driver confirmed and I have written testament that I was not here the day of XXXX XXXX WHEN DISCOVER STATES THE ITEMS WAS DELIVERED My XXXX phone was also locked in my room, since in XXXX I can not afford roaming. I send letters to discover showing that my sprint phone had been hacked, there were several numerous applications that were downloaded and I was left with an immense bill of {$980.00}. THE XXXX INFORMATION WITH MY MOBILE PHONE NUMBER NOTED WAS PROVIDED TO DISCOVER SHOWING IDENTITY THEFT AND COMPROMISED, IT WAS STILL OVERLOOKED. At XXXX XXXX my roommate had possession of the phone, and IN NO WAY I WILL BE XXXX TO WRITE MY PHONE NUMBER ON THE CFPB REPORT IF I KNOW I DID THE CHARGE, THAT I XXXX, I TOLD YOUR ASSOCIATES MY PHONE WAS STOLEN FROM THE FIRST DAY, STILL YOU GUYS DONT TAKE IT INTO CONSIDERATION. AGAIN I CAN PROVIDE AGAIN FRAUD AFFADAVITS FROM MY XXXX ACCOUNT CONFIRMING FRAUD XXXX XXXX XXXX account was made to make fraud credits to the discover account. I FILED AN FRAUD AFFADAVIT WITH XXXX  XXXX  XXXX, AND THEY APPROVED MY CLAIM. I OFFERED TO PROVIDE THIS INFORMATION TO XXXX XXXX BUT SHE DID NOT SAY ANYTHING. 


The investigation that has occurred with discover and its associates is beyond an nightmare, after leaving to XXXX because my mother was sick and my arrival back to the US to find that my roommate has stolen my belongings and credit it was very dis-heartening. I have provided a lot of evidence to discover only to be not taken into consideration, being mocked and laughed by customer care and not being taken serious. I will send these documents and notarized affidavits signed in front of law enforcement to the three credit bureaus. 

In no way under XXXX I will pay for fraud account, this is an major violation of my personal information and the rights under California fair credit reporting. 

Discover has failed to take my evidence into consideration making me liable for the fraud account, I am willing to hire an attorney and all court costs to take discover to court. i WILL SEND ALL NOTARIZED FRAUD AFFADAVITS TO THE 3 CREDIT REPORTING AGENCIES WHICH ARE ALSO SIGNED BY LAW ENFORECEMENT. 
I HAVE ALSO SINCE MOVED TO AN NEW ADDRESS WHERE DISCOVER SEND ME LETTERS ; I MOVED FROM XXXX XXXX SINCE THE FRAUD OCCURRED BECAUSE I AM SCARED OF MY LIFE FROM MY ROOMATE Sincerely, XXXX XXXX XXXX. 
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