Consumer complaint received 2023-02-25
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX I took out a discover credit card. I had a small limit that I gradually increased over the next 4 years. Looking at the history I had an excellent payment record. In XXXX when the world got crazy my purse was stolen and everything in it including my id, all of my bank cards, all of my credit cards, my social security cards, car keys, my kids social security cards everything. I started getting messages from XXXX XXXX stating that if I did not return a rented vehicle within a specific amount of time it would be reported as stolen. I knew only one individual who recently rented a car from XXXX during this time and when I confronted her she stated that she made a mistake and thought she was using her husband 's discover card. I did report her to the police but she returned the car immediately after I had confronted her, so she didn't have the car when they went to speak to her and I confirmed with XXXX that they received the vehicle. The transaction still went through on discover when I had a {$1900.00} limit beyond {$5000.00}. Police department told me that I would have to go to XXXX Missouri to file a police report because the crime was committed there. They told me that without the car, nothing could be done and I would either need to take her to court over the bill, or I could resolve it with discover directly by reporting my card as stolen. I was under the impression that I had theft protection and fraud protection through discover. XXXX was not interested 8n helping me because they had already been paid and as far as they were concerned everything was in good standing. I filed with Discover that my card had been stolen. Multiple times they opened a dispute, removed it from my credit for which I resumed payments that were actually owed, only for them to add it back to my credit report. This alone has completely destroyed my credit the medical bills were not even an issue before the drop due to Discover. The stress felt by trying to resolve the issue and severe XXXX arguing with them and XXXX from not understanding why they kept adding it back watching my score destroyed ..... I don't understand how I reported it stolen and there is absolutely no theft protection with this card. I was even willing to pay the nearly {$2000.00} debt that I was supposed to pay because I requested a new card with a new number and was continuing to use my account, not aware of the pending XXXX charge. I had even reached out to XXXX over a {$40.00} transaction I saw on my statement in XX/XX/XXXX and they apologized and refunded that random charge so I thought the issue was fixed because I have never rented a car in my life and thought it was a fraudulent transaction. By XXXX XXXX surpassed my XXXX credit limit with Discover and cost me over {$5000.00}! I'm not paying anything if they're not going to protect me from theft!! They closed the account in XXXX and they're still negatively reporting every month. I'll never trust a credit card company again especially a major one.

Company response to consumer: Closed with non-monetary relief