Consumer complaint received 2018-02-08
Company: DISCOVER BANK
State: CO
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:
The following complaint involves fraudulent charges on my Discover credit card. 

On XX/XX/XXXX DiscoverCard texted me through their DISCOVER FREE MSG service asking whether I made a purchase at XXXX XXXX  for XXXX . I did not make this purchase and texted " STOP '' to hold my discover credit card account. I believed that I misplaced my wallet inside of my apartment sometime in the previous week but this prompted me to believe that my card was stolen with my wallet. I made a police report regarding my stolen wallet with officer XXXX XXXX of the XXXX Police Department the week of XX/XX/XXXX. Although I discussed my stolen card with officer XXXX he only opened a case for the stolen wallet : case # XXXX ( XXXX XXXX Police Department later opened a separate case specifically for the fraudulent activity, on XX/XX/XXXX with case number XXXX ). During the week of XX/XX/XXXX ( I don't remember the exact date ) I spoke to a Discover representative on the phone to discuss which charges were fraudulent. 

The story of how my card was stolen and my interactions with Discover agents follow. I went to my local grocery store ( XXXX XXXX XXXX ) on XX/XX/XXXX and bought my groceries for the week which usually total around 60 . Upon seeing my statement following Discover 's text, I realized there were many charges at XXXX XXXX on this date. This prompted me to believe that I left my wallet at this XXXX XXXX after buying my groceries and someone had picked it up and used my DiscoverCard. So when I talked to the Discover agent I claimed that all purchases at XXXX XXXX on the XXXX were fraudulent except a charge for XXXX $ because that is what I thought I had bought at XXXX XXXX on that day. I further claimed that all charges from the XXXX through the XXXX were fraudulent as the person who stole the card used it at a variety of other locations and for amounts hundreds of dollars higher than I typically spend. I have attached a screenshot of my statement from this period where I claimed all charges from the XX/XX/XXXX to XX/XX/XXXX were fraudulent. Discover started an investigation into my fraud claim in the next couple of days and an agent called me back and informed me that the XXXX $ purchase occurred after a XXXX $ purchase at XXXX XXXX that I had claimed as fraudulent. Since I knew I couldn't have made the XXXX $ purchase after my card was stolen, I changed the XXXX $ charge to fraudulent. 

Discover completed their investigation during the final week of the year and called me to inform me that I would be held liable for all charges that I claimed were fraudulent for the following reasons : 1 : I continued to shop at my local XXXX XXXX where the fraudulent charges occurred with my new DiscoverCard. 2 : They claim that I changed my story by changing the XXXX $ charge to fraudulent even though I only did because the Discover Agent convinced me to because it took place after the other fraudulent charges. I had Discover re-open the investigation because I believed that these were completely ridiculous reasons for holding me liable. They completed the second investigation this week of XX/XX/XXXX, where they again found that I should be liable for these charges. 

I believe DiscoverCard lakes any form of integrity by trying to make me pay for charges that are obviously fraudulent as their computer program flagging the charges as potentially fraudulent was the reason that I realized my card had been stolen in the first place. DiscoverCard is holding me liable for all charges from XX/XX/XXXX through XXXX despite the fact that this is a XXXX $ fraud liability card and the charges were made at a wide variety of locations ( including the XXXX XXXX grocery store close to my apartment ) and for amounts that I don't typically spend. Furthermore, I complied with all steps of their investigation, including filling a police report.

Company response to consumer: Closed with explanation