Consumer complaint received 2021-12-23
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I discovered that I had several credit cards on my credit report that I had never heard of or seen. I suspected my mother had opened these cards under my name and social security without my consent or knowledge. Many of these cards ' addresses, phone numbers, etc. were listed under her addresses and phone numbers. The following day, on XX/XX/XXXX, I spoke with a police officer from my local department ( XXXX XXXX, XXXX ). When I explained to him that the crime began in and occured in XXXX while I was still living in XXXX he recommended I make a report out with my local police department there due to state jurisdictions. On XX/XX/XXXX, after several phone calls, I was able to file a police report over the phone with the XXXX, XXXX police department. Following this, I contacted Michigan Consumer Credit Lawyers ( a branch of XXXX XXXX XXXX XXXX XXXX ) to get advice or help disptuting the fraudulent account. Over the course of the next few months, until XX/XX/XXXX, I had several communications with the and provided them a copy of the police report I filed as well as copies of a few bills I had received in the mail. On XX/XX/XXXX, they mailed dispute letters to XXXX, XXXX, and XXXX. Following this, I began to letters from some credit card companies asking me to mail them a copy of the police report and/or fill out fraud affidavits. On XX/XX/XXXX, I recieved an email from their office stating they were closing my case and that the attorney did not want to take on my case. Following this, I began to contact each individual card company in order to get the fraudulent accounts removed from my credit report and my responsibility. For many of these companies, I filled out their fraud affidavits they mailed to me, and also mailed copies of the police report, proof of residencies going back to XXXX of XXXX, and copies of my driver 's license. By early XXXX XXXX 11 out of the 13 companies had found the accounts fraudulent and removed them from my credit reports and are not holding my responsible for the accounts. The other two accounts that remain are Discover Financial Services and XXXX XXXX XXXX XXXX. For Discover, I have mailed them copies of the police report ; my proof of residencies from XX/XX/XXXX to now ; copies of my passport from when I was out of the country while the account was open ; and copies of my correspondance with XXXX XXXX XXXX XXXX XXXX. The account has been investigated twice, and each time they found the account not fruad. As of right now, they will not reopen the invesitgation without " additional informaition ''. They have told me they are waiting to hear back from the detective investigating my case ( Det. XXXX XXXX, XXXX, XXXX police department ) to decide if they can reopen the investigation. I have spoke with the detective a few times asking him to return the calls they made to him, and he has told me he will get to it when he can. The last time I had spoke with Det. XXXX was XX/XX/XXXX. I have not checked with XXXX to see if they have spoken with him since XXXX XXXX, XXXX, nor have I receieved any correspondance from them. 

Starting on XX/XX/XXXX, I started to receive daily calls from Discover attempting to collect payment on the account I am disputing. Despite discussing with them several times that the account is fraudulent and that I am still disputing it, they refuse to stop attmepting to collect payment and have reported me 60 days late on the account. I was taken off their call list after two weeks of phone calls, at my request, but they continue to send me statements in the mail. I am currently attempting to get a lawyer, but I'm a XXXX currently and so I have to find one that is willing to represent me for free beause it is not something I have the finances for at this time. I have no other information to give to Discover, and have provided them with a much larger amount of documentation that I have to any other card company that has found their accounts fraudulent. 

Due to all of this, I would like to file a complaint against Discover Financial Services for attempting to collect a disputed debt, and for holding me responsible for an account for I which have provided suffcient evidence that it was not opened nor used by me.

Company response to consumer: Closed with non-monetary relief