Consumer complaint received 2018-08-02
Company: DISCOVER BANK
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Discover Card Ending 1. XXXX 2. XXXX Discover Card, I have contacted Discover Card and explained to them several times identity fraud had occurred to me. They took 2 years to send me all my statements. Then told me I must go through each one and call them back when Im done. The first time I called to go through the statements the representative got frustrated with me and started saying why I took so long to call in? She then stated she was unable to locate a lot of the information in the system, but I had it on statements they sent me, so it didnt make much sense she couldnt find it. she then started to repeat the same stuff and expressing signs of frustration while helping me, so I told thank you very much for your assistance and I will call back later. When I called back a week later I was finally able to complete the 2 fraud claims. This is also where the nightmare began for me and I felt like I was being racially discriminated against. I received several calls on a weekly basis same repeatedly about why I didnt report the situation earlier. I had to keep re-living the same experience repeatedly about the death of my father and my spouse and my XXXX  attempts. Without any consideration of how, this was affecting me. Honestly, I dont believe they were noting my account or even sending the affidavits me. They did not look or base it on the police report because the kept asking for the same things respectively. I had my case worker XXXX straight up tell me Im lying and its not a fraud case and I will have to pay back the money ( Now after that incident how can I trust that Discover Card did their diligence when the case was closed before the investigation took place ). I want to know if I was judged and convict before they investigated my case? How was I even given a fair chance or trial? Is this because Im XXXX and they assume XXXX people dont have money they made me feel terrible. I have had my account since XXXX and never had a problem of paying my bills and never being late. If this was a XXXX  person, they would never treat them in such an un-businesslike manner I was very disappointed. Now XXXX would not return my calls and XXXX called on XX/XX/XXXX to say they are closing the case without looking at the police or sending me the affidavits. She stated even if they had the report I had to prove it that the fraud occurred. Im not sure how to do that or why I need to do that, because the card states if any purchase is made that are not mines Im not held responsible for it, but I guess Im XXXX, so I am being held responsible because we dont have money. Im so disappointed with Discover Bank and the research they had conducted no evidence just acquisition and assumption. One of the cards I didnt have in my position since it expired I think XXXX, and someone was using it during that period. they just sent me the new card about 3 months ago. 1. I would like to know who had that card? If I didnt have it, and I was not using it. They need to answer these questions and provide proof of their investigation results and explain how they arrived at their results. 2. I want proof they contacted DMV to verify that 2 other individuals told my ID and Drivers License in XXXX Florida. 3. Explain in clear details how they want me to provide proof besides giving the police report and DMV information on how my cards got stolen. 4. Also, clarify in detail were did Discovered Card states in their fraud statement you provide proof and evidence that someone else used the card beside the 2-law abiding proof I provided which are DMV and the Police Report. 5. I want proof you listen to the recording and XXXX be reprimanded for the way I was treated and want was said to me. I did not use the cards. I want my account credit in full because I work hard for my money. I should not have to pay for illegal charges to my account and stop racial profiling and discrimination.

Company response to consumer: Closed with explanation