Consumer complaint received 2022-12-17
Company: DISCOVER BANK
State: GA
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:
My wallet was stolen from my local gym, this past summer. In my wallet was my drivers license, SS Card, a XXXXXXXX XXXX XXXXXXXX XXXX credit card, both a XXXX XXXX XXXXXXXX credit and debit card and my Discover Credit card. Once I realized that my wallet was missing I called each financial institution notifying them that my wallet was missing and these cards were in said stolen wallet. There were unauthorized of each of these cards ; I was able to rectify the problem quite simply with XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX XXXX, however there was a summation of {$1700.00} worth of unauthorized transactions on Discover card that have been nothing but an issue from the time I notified this institution. The transactions occurred after I had already called Discover Bank notifying them of the missing card. I had, in n uncertain terms, called Discover Bank on XX/XX/2022, explaining the missing wallet, I asked for the card to be locked and I was told the situation would be handled and I would have nothing to worry about or be responsible for, but Discover fed me untruths. My Discover card wasn't locked, unauthorized transactions persisted into XXXX and I explained to Discover that no one else had authority to use my card. The transactions consisted of out of state purchases and unauthorized online transactions. I called Discover FOUR different times, but my card was only locked due to a balance not because I was doing the right thing and reporting it within the " 120 day timely manner chargeback, per Discover handbook ''.. As of XX/XX/2022 Discover is holding me responsible for all out of state and " online purchases because I am out of the " timely filing period ''. It appears that these transactions are made from email addresses that DO NOT belong to me. The email addresses are ; XXXXXXXX XXXX XXXX XXXXXXXX. Both the billing and shipping address always have my name misspelled or some strange variation of my name. These transactions are also being authorized by a phone that DOES NOT belong to me. My wallet was stolen on XX/XX/2022, but Discover is the only criminal. They're lying saying that i filed out of " timely manner '', they're saying I made " out of state '' purchases when i have work timestamps saying I was in XXXX. Discover needs to held responsible and I want all fraudulent charges on my card rectified. 

The Discover Bank customer handbook CLEARLY states that ; There are two important time limits to be aware of when it comes to Discover chargebacks : the first is the time limit for filing a chargeback, and the second is the time limit for responding to a chargeback claim or ticket retrieval request. According to Discover, cardholders officially have 120 days from the date of the transaction to initiate a chargeback, although the network may accept claims filed outside of that window on a case-by-case basis. If a dispute is filed with Discover and a ticket retrieval request is sent, the merchant has just five calendar days to respond with the requested information. Merchants will have an additional 20 days to provide supporting documentation for any subsequent requests or appeals.

Discover is lying saying Im out of timely manner WHEN I AM NOT, saying I made out of state purchases WHEN I DID NOT AND HAVE WORK TIMESTAMPS TO VERIFY, and saying my phone verified charges WHEN I DID NOT AND IT IS NOT EVEN THE TYPE OF PHONE I OWN. 

I will pursue legal council if this is not fixed by Discover. I did not make or authorize ANY charges from XXXX.

Company response to consumer: Closed with explanation