Consumer complaint received 2023-07-06
Company: DISCOVER BANK
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im having an impossible time trying to get a fraudulent charge off of my credit report. I have been disputing this directly with discover for 5 years now. They are aware this is a fraudulent charge. When I dispute with credit reporting agency, they check with discover and discover says yes this amount is correct. Discover has not been able to validate this charge with the company who fraudulently charged me originally.. discover has told me it was not verified, but yet still is holding me accountable. 
This original charge was from XXXX XXXX XXXX. Yes, I gave them my discover card number. They needed a charge card to put a XXXX $ hold on my card, but assured me nothing would be charged. The car they rented to me was a lemon. I had to call XXXX XXXX XXXX twice the first 2 days I had it, due to it not starting and me getting stuck. Long story short. I rented a car from XXXX XXXX XXXX XX/XX/2018. XXXX XXXX office in XXXX XXXX CT. The car was unreliable. It did not start twice. Record of XXXX XXXX XXXX 2 separate occasions, within first 24 hours I had possession of vehicle. 
Rented the car to go on a trip. Did not feel comfortable driving 4.5 hours away in this unreliable car. They had no other vehicles to exchange it with. Found alternative vehicle. Contacted XXXX to return car. The satellite office was closed and they had no key drop box ( red flag ). Was told by corporate manager to leave the key under drivers side floor mat, and someone would pick it up from my home address. I expressed how I was leaving on a trip, and would not be home. 
I came back a week later to surprisingly see the car still in my driveway, not picked up. I called corporate notified them. They asked if I could drop car off to a different location from where I originally picked it up from. Agreed, but would have to wait until my neighbor got home from work, to watch my infant son. Was not driving an unreliable car, to a sketchy neighborHOOD with my baby in car. Drove car to address management provided. The place was closed. On phone with management.. she asked if I could bring it to another place. Drove 35 mins. To a location that once again was closed. Called management.. told her I was going back home.. after XXXX XXXX  at this point. I needed to get home to my baby. It was dark. I was nervous. She was annoyed because she expressed how they needed that vehicle at XXXX XXXX in XXXX. Over an hour from me. She said to leave keys in car in driveway. Someone would tow it out. Woke up in morning car was gone. XXXX employee towed it to airport. Honestly, I was thinking I would be compensated for all my troubles. I didnt hear anything until my next credit card statement. XXXX XXXX XXXX, charged my discover card $ XXXX Which put my card balance over limit. 
Apparently XXXX charged me whatever bogus number they threw out. The days car was in my possessionand charged me for their tow!! All the way to the airport!!! And charged me for the gas!!! 
I have been explaing this to discover since XXXX disputing still paying monthly minimum payments.. realizing it was all interest on this charge. My balance stayed the same. When they investigated they temporarily took charge off.. only to put it back on after XXXX confirmed that I gave them my card number. I guess that is all discover needs I found out last year.. 3 years after I have been disputing.. discover never verified the charges. 
I called XXXX myself, and they cant tell me what the charges are for, because my name is not even in their system!! I never recieved a reciept, I never agreed to pay this, because they had my card number they charged whatever they wanted. Apparently per discover if I give my card number its giving permission this was a HOLD only. Not supposed to have charged anything. 

XXXX is no help. Ive been laying XXXX per month for 2 years now.. trying to get this resolved. They investigated with discover, and discover verified the amount was correct.. that was it.. yes XXXX charged my car XXXX fraudulently. Yes they did. Thats all discover needs to know. Thats all XXXX needs to know, and XXXX can not verify, or even tell me an itemized bill charge. This is bogus. 
This one stupid card, has caused me havoc, in my life. A serious burden.. effected my livelihood couldn't get a car loan, only approved for pre paid credit cards, I have been trying to rebuild my credit for years now. I am so upset, especially now, I need to apply for a parent plus loan for my sons college he is going to school in 5 weeks. I will not get approved, my credit score is low.. and with all the fees discover has been charging me for 2 years, interest and late fees.. the balance is now XXXX discover kept my account open for years, before now it just went to a collection agency. So now I have a collection on my credit report.. I need this removed. I need someone to be accountable for this fraud. I need help immediately. It is wrong. And I am suffering!!!!

Company response to consumer: Closed with explanation