Consumer complaint received 2021-12-14
Company: DISCOVER BANK
State: PA
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:
This is regarding my Discover Card which was hit with Fraud in XXXX and XXXX. Now they recv a 60 page fax sent to them with all the documents during the pandemic XX/XX/XXXX. Which I was told NOT to leave my house because I have no XXXX XXXX 

Then I was told they wanted a letter from post office regarding the fraud charges. 1st off the post office was closed and that was irrelevant because it involved XXXX XXXX XXXX and it would be useless. 
I never ever recv any products. 
I have been hacked in XXXX XXXX Massachusetts, Virginia and now Ohio which XXXX made me aware of because there are over XXXX in fraud chgs on my XXXX card and they still have NOT removed them it's been almost 2 mons. They were sent the email from XXXX that STATED SHE IS NOT RESPONDIBLE FOR ANY OF THESE CHGS, SHE WAS HACKED IN OHIO. I WAS ALSO TOLD NOT TO PAY MY XXXX PAYMENT I CALLED ON THE XXXX AND ASKED. 
3 PEOPLE TOLD ME NOT TO MAKE THE PAYMENT BECAUSE I HAVE A FRAUD CLAIM. THEY ALSO SENT ME A 2ND CARD THAT I NEVER RECEIVED. NOW THEY CALL 4X A DAY FOR A PAYMENT. 

BACK TO DISCOVER. 
THEY TURNED AROUND AND HAD REMOVED ALL THE FRAUD CHARGES. 
MY BILL WAS XXXX THEN .... 
A YR LATER THEY ADDED A LUMP SUM OF CHGS OF XXXX OF FRAUD CHGS. THESE WERE OVER 90 DAYS OLD. I CALLED AND ASKED FOR A BREAKDOWN THEY SAID NO. I SAID THEY ARE OVER 90 DAYS AND THAT IS AGAINST THE LAW. 
THEY SAID WE DONT CARE. 

WHAT ARE YOU GOING TO DO. 
OH YOU HAVE NO IDEA. 

THEN THE NEXT MONTH THEY LOWER MY CREDIT LIMIT TO XXXX

AND ADD XXXX IN FRAUD CHARGES AND I CALLED AGAIN TRIED TO EXPLAIN THE 60 PAGE FAX. 
WHY DID YOU PUT THESE FRAUD CHGS BACK ON MY BILL BECAUSE WE CAN. NOT IF THEY ARE OVER 90 DAYS OLD. 
WE DONT CARE. 
MY BALANCE IS STILL XXXX. 
THEY HAD PUT ME ON A 6MO. AUTO WITHDRAWAL FROM OUR CHECKING ACCT FOR XXXX AND NO INTEREST SO THIS BILL WAS. 
XXXX THEY HAVE UPED THE INTEREST RATE TO XXXX PERCENT SO MY PAYMENT IS XXXX AND THE INTEREST IS XXXX WHAT THE XXXX IS THAT. SO I am paying XXXX a mon on this bill. That is beyond wrong besides having all the fraudulent charges on there. 

SO THERE IS XXXX AND XXXX IN FRAUD CHGS ON MY BILL THEY WILL NOT REMOVE AND DO NOT CARE THAT THEY PUT THEM BACK ON MY CARD WHICH WERE WELL OVER 90 DAYS. 

THEY HAVE NEVER EVER REMOVED A FRAUD CHG. THEY RECV 4 POLICE REPORTS AND ONE WAS JUST FOR THEM THE OTHER DAY I RECV A LETTER THAT STATED I APPLIED FOR A PERSONAL LOAN WITH DISCOVER 1ST OFF I WOULD NEVER EVER IN A MILLION YRS APPLY FOR A PERSONAL LOAN LET ALONE WITH DISCOVER. SO THAT IS ALSO FRAUDULENT. 

I THINK PERSONALLY THEY DID IT. 

BECAUSE WHEN I CALLED THERE AND TOLD THE REP EVERYTHING SHE WAS FILING A COMPLAINT FOR THE CO SHE WORKS FOR DISCOVER HAS BEEN OUT TO GET ME FROM THE 1ST FRAUD CHARGE. 

MY IDENTITY HAS BEEN STOLEN SINCE XXXX IN THE XXXX BREACH AND HAS BEEN A PURE NIGHTMARE EVER SINCE ALL MY CREDIT CARDS HAVE BEEN CLOSED XXXX XXXX XXXX XXXX  XXXX PROBLEM IS I WAS PAYING ON THESE CARDS EXCEPT THE XXXX XXXX XXXX XXXX WHOM I HAD THE ATTORNEY GENERAL INVOLVED IN. HE TOLD ME TO SUE THEM. BECAUSE THEY WERE ALSO PROVIDED WITH EVERYTHING I EVEN INCLUDED THE CEO IN MY EMAILS. 
THEY DECLINED EVERYTHING AND SHUT DOWN ALL CARDS. 

MY LIFE IS HORRIBLE AND THE ID THEFT PLAN I PAID FOR CALLED ME ONE TIME. I SENT 10X EMAILS AND NO RESPONSE I AM XXXX AND XXXX  XXXX AND MY HUSBAND WAS XXXX  WITH XXXX XXXX XXXX THIS IS NOT THE WAY WE SHOULD BE LIVING. 

THEY HAVE COMPLETELY TRASH MY CREDIT. 

ANY HELP WOULD BE GREATLY APPRECIATED I CANT HANDLE ANYMORE I HAVE SURGERY TOMORROW THEN I HAVE TO GO TO XXXX TO HAVE XXXX XXXX INTO MY XXXXXXXX  I CANT XXXX  MY XXXX  IS XXXX AND TO TOP IT OFF- ITS FROM STRESS. 
THEN XXXXXXXX XXXX XXXXXXXX XXXX. 

SO AGAIN I TRULY APPRECIATE ALL YOUR ASSISTANCE. 
THANK YOU

Company response to consumer: Closed with explanation