Consumer complaint received 2023-03-22
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Discover bank is continually unconcerning and unsupportive of it's customers. I probably won't bank with them ever again after this situation. I called Discover to report my card lost ending in XXXX. I spoke with a representative to review a summary of charges before a new card was to be mailed to my address. A fraudulent transaction of XXXX was charged to my account on XX/XX/XXXX, days after it was realized that it was lost which was XX/XX/XXXX. I spoke to a representative with Discover bank less than 2 months later to cooperate and answer questions about the unauthorized transaction. A week later the transaction was put back on to my account on XX/XX/XXXX. I have an profile/account with XXXX XXXX XXXX in XXXX, NY. My identity/profile was inadvertently used based on the card/cardholder name that was lost and fraudulently used in the transaction of XXXX. My Discover cardholder details/profile is unrelated to the transaction : address : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX email : XXXX, phone number : XXXX. The transactions that were made after the disputed amount of {$4200.00} on XX/XX/XXXX, were for uber. I had recurring payments and my account ending in XXXX linked to my uber ride share account. Rideshare apps can still charge a CC account that is linked to it even if its closed temporarily days later. I did not get any alerts. I was alerted that the transaction was fraud when speaking with a representative over the phone when I reported it lost. XX/XX/XXXX I received an email from an executive from Discover. The email from the executive claimed that support would be provided on my behalf regarding my situation if I were to communicate with them. Days later I communicated by writing a letter to the executive. The letter expressed my rationale for my complaint and my affirmation that the transaction of {$4200.00} is unauthorized/ fraudulent. Unauthorized transaction unrelated and uncharacteristic of my normal spending pattern/history with Discover. You would think Discover would side/accommodate with the cardholder in this situation? NO. All Discover did was re-mail me copy of the old XX/XX/XXXX letter, when I complained on XX/XX/XXXX that transaction was unauthorized. As of now Discover bank has not removed the XX/XX/XXXX unauthorized transaction of {$4200.00} associated with my account ending in then XXXX, and now XXXX. If this unfortunate situation isn't resolved positively by Discover I will end my banking relationship with them forever. I will also vehemently advise family, friends, and associates not to do business with Discover. Why? Discover is unsupportive, unaccommodating, and condescending toward the cardholder/consumer in situations like this. I will do away with the big banks like Discover. The big banks treat the customer/consumer like a just number. A person of insignificancy. The small banks and credit unions have a community relationship and respect the consumer. They will be my go-to in terms of banking business going forward. I'm done with Discover.

Company response to consumer: Closed with explanation