Consumer complaint received 2019-10-04
Company: DISCOVER BANK
State: AZ
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:
The last authorized charge I had was on XX/XX/XXXX. Sometime between that time and the XXXX my credit card was unknowingly lost. Starting on XX/XX/XXXX my credit card was fraudulently used and was continually used without my authorization or awareness. The following is a list of the charges : {$26.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$64.00} XX/XX/XXXX XXXX {$64.00} XX/XX/XXXX XXXX {$64.00} XX/XX/XXXX XXXX {$110.00} XX/XX/XXXX XXXX {$64.00} XX/XX/XXXX XXXX {$28.00} XX/XX/XXXX XXXX XXXX {$2.00} XX/XX/XXXX XXXX XXXX {$5.00} XX/XX/XXXX XXXX XXXX {$1.00} XX/XX/XXXX XXXX XXXX {$51.00} XX/XX/XXXX XXXX XXXX {$22.00} XX/XX/XXXX XXXX XXXX {$4.00} XX/XX/XXXX XXXX XXXX {$89.00} XX/XX/XXXX XXXX {$89.00} XX/XX/XXXX XXXX {$64.00} XX/XX/XXXX XXXX {$8.00} XX/XX/XXXX XXXX {$22.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I caught the unauthorized activity going on with my credit card and notified Discover. At that time the card was cancelled and an investigation opened. Discover had asked me if I had the card in my position and at the time I thought I had so replied yes. I did not realize that the card I did have in my possession was my other credit card I had with Discover and not the one that had been fraudulently used. I had two different credit cards with Discover. A few  weeks later there investigation concluded with them finding me responsible for the charges since they stated I had the card in my possession. I contacted them again and attempted to explain to them that it was my other credit card I had with them and not the one that had been fraudulently used. They asked my if I had opened a police report, which I had not, and they asked I could. That same day I filed a police report with the city of XXXX, XXXX, and contact Discover with the report number. They re-opened the case. A few weeks later I got a response that the case was again closed with them finding my still responsible as information they had requested was not returned by me. I immediately contact Discovered and asked what information they where looking for as I didn't receive any request. They said they where waiting for the police report. I explained to them I had given them the number and they re-opened the case again. I contact the police department myself to see what information they had. I was told that their was no video surveillance for the time period the fraudulent charges occurred. I was told this was common and they are lucky to find companies that keep the tapes for two weeks. A few weeks passed and they closed the case again finding me responsible as the police report was essentially inconclusive. I contacted them again and pleaded my case that they where indeed unauthorized charges and at least to me it was pretty evident given the type of charges. Looking at the charges most are from the same merchant and repetitive for the same exact amounts, on not sure how much more obvious this could be. At this point the case remains closed with them finding me responsible. They have since reported me to the various credit bureaus where they stated they would notify the bureaus that I disputed the charges, which has yet to happen at least based on my findings. I have since cancelled all business I had with them, but refuse to pay for charges that I did not make.

Company response to consumer: Closed with explanation