Consumer complaint received 2023-12-06
Company: DISCOVER BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I submitted a dispute for fraudulent transactions on a stolen card. This merchant did not have authorization and still doesnt have authorization. XXXX XXXX whoever that is. Discover already charged my money market account {$1700.00} for past disputes stating merchant documentation supports authorized charges. I asked for documentation and again never received any. The fact that Discover charges the victim of theft but not the thief is beyond redicules. I never texted authorizing these charges and in fact I have picture proof of texting back N which means NO. I then received a call from Discover and when I went to call back I pressed 2 which means do not authorize or did not authorize. Discover denied these disputes on XX/XX/XXXX with the following reasons, inconsistent information provided by account holder through investigation - this reason is false again because I only contacted Discover once to dispute the charges. Second reason provided by Discover - account holders contact with financial institution supports authorized transactions- again false because Ive never had contact with this merchant. This merchant is in a different state, when I called in I told them I do not do business with this merchant. I texted the text message back N FOR NO. Again Discover blames the consumer instead of actually researching the fraud. Last one says valid transactions authorized with chip after card was claimed lost stolen. Again this is false the only transaction after was a transaction that had card information already saved using XXXX XXXX for a bill payment. This actually posted after the transaction actually occurred and chip and pin was not used. So again this reason is FALSE. No transactions were authorized. XXXX XXXX transaction, XXXX and XXXX XXXX on XX/XX/XXXX are also fraud. Which Discover missed. Lastly Discover stated they will withdrawal these funds from my checking account on XX/XX/XXXX again without proof of authorization as I never texted back validating the transaction. In fact I texted NO. Additionally Discover also authorized transactions on XX/XX/XXXX for a XXXX these also are fraud and Discover says again they texted me and I verified the charges the card was stolen at the time and I did not verify these charges. I have proof of texting back no to the response and yet Discover says I texted yes. Again Discover is falsely accusing the consumer without actually seeing from my end what I responded. Discover owes me refunds for charges not authorized. I do not know either of these merchants and I did not sign any receipts. I have not conducted business with either of these merchants. Discover did not properly investigate my dispute and instead originally sent a letter telling me the credits were permanent and later sent a letter advising they were charging me for the charges again. This is not proper conduct, and Discover charges me for charges I never authorized this merchant is on another state no where near me. I do not have contact with these merchants and never have. I have not signed any receipts nor have I advised Discover of contact with these merchants. Discovers reasons arent valid.

Company response to consumer: Closed with explanation