Consumer complaint received 2019-09-07
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: Card was charged for something you did not purchase with the card

Complaint:
discoverfraud CFPB CASE XXXX CFPB closed my case wont let me reply to them so I have to create the dialogue below to continue the case XXXX. 
During the course of our investigation, our Fraud Investigations department was unsuccessful in contacting you regarding your fraud claims. -- -- -If you have even read my affidavit? I can't return your call when in XXXX even when I pay to call international, your 800 # was restricted. I was fast enough to pick up XXXX 's call once ( we have confirmed the id copy id fraud sent you was the expired lost/stolen copy of my old license!! ) while in XXXX but XXXX who actually IS the investigator never tried to call me even once. That's just for the first 2 months of the investigation. I flew back in XXXX and started to call you every day initiatively till XXXX. 

The initial police report information you provided was determined to be invalid by the XXXX Police Department. -- -- -- -- I have told you over the phone it was a temporary report # while in XXXX as I can't call international to local police department. I told you temp pr # already you can't use the word invalid, it's just not the final report #. I have given you 1 XXXX  police report for XXXX WHEN purse is lost and stolen which is legit report # but you hide it and never mentioned. 
I have later filed another discover fraud id theft police report XXXX with my local XXXX   police dept again, in XXXX when I came back from XXXX, which is also legit. Both legit police reports you are hiding and never even mentioned. 

In response to our request for validation of the disputed transactions, the merchant provided documentation including a copy of your drivers license, details of the services provided, copies of the signed receipts and signed consent forms -- -- -- -- -- Again their drivers license is that expired lost/stolen copy of my old license!! Other POS papers and consent papers, their descriptions can all be fraudulently produced!! YET you never mailed none of those id theft provided papers copy to me while I have challenged. 

Plus I have challenged you and id theft to provide my accurate current info and my physical exams data for the LEAST VITAL DATA that a XXXX $ medical procedure / medicines payment should at least have performed. Again none was provided. 

Plus they have XXXX of my personal insurance companies info. Right there is the flag of fraud. I use insurance for ALL MY MEDICAL NEEDS. 

On XX/XX/XXXX, we again reviewed your claims per your assertions and provided temporary credits for the disputed transactions, pending the outcome of the investigation. As the outcome of the additional review determined no fraud occurred, the temporary credits were removed on XX/XX/XXXX -- -- -- -- -you did absolutely nothing for this so called " re-investigation '' keep repeating all those lies TWISTED ACCOUNTS above is what I have heard every-time I have called you. 

The information you provided, including the fax received on XX/XX/XXXX, did not provide sufficient evidence to overturn the outcome of our investigation. -- -- -- - As your fraud supervisor requested I have faxed my current georgia driver license, affidavit and the police report XXXX is attached right here, these are what you wanted from me, how is that not sufficient? HOW IS THAT NOT SUFFICIENT? 

Additionally, we received information regarding an additional police report that was filed with the XXXX County Police Department that contained fraud allegations, but when contacted, the XXXX County Police Department advised that the report did not mention any specific charges being disputed or what type of card the alleged fraud occurred on. -- -- -- -- -- -- the police report you are talking about # XXXX is attached right here with our CFPB CASE XXXX. I invite everybody out there to judge the narrative part below : Found my dormant discover card being used for almost XXXX at/by XXXX 's business. Before had a folder with several expired, invalid cards lost from a gas station, this credit card has been dormant for a long time might have misplaced in that lost folder with other expired, invalid or closed cards and personal scratch documents. Ironically couple days before this transaction was my mother 's death, I was her only child in the country, her bag around her stomach has hers and my personal info & cards are also stolen, police report # XXXX with officer badge number XXXX. For the past 3 months I have not even had time to go to work but handling my parent death and caring for my XXXXyear-old. There is no possible way I will be going to seeing ent/facial and spent almost XXXX in 1 day after parent death while I can't even pay for her funeral. I have to ask for school 's donations for funeral. All in all this fraud transaction has come at the wrong timing, right after death, and I'm her only child ... ... the most helpless chaos ever happened in my life-time while my child can't even continue to school here, I have spent the following two-three months in XXXX handling the aftermath of death and moving my family schooling to XXXX. Fraud happening is the last time I want to think of ... ... .. 

HOW IN THE WORLD THE POLICE REPORT did not mention any specific charges being disputed or what type of card -- -- -DISCOVER CARD! If you have even read anything and did any " investigations ''? None of the above twisted accounts and XXXX  XXXX lies will you type out. 

TOTALLY I HAVE PROVIDED TWO LEGIT POLICE REPORTS REGARDING THE TWO FRAUD TRANSACTIONS, XXXX police report # XXXX ( LOST STOLEN REPORT IN XXXX ) & POLICE REPORT XXXX ( DISCOVER FRAUD XX/XX/XXXX ) Although we consider your balance to be valid, due to your continued dispute, we have reported the account to the credit reporting agencies as disputed and will continue to report it as such unless you tell us to stop reporting it as disputed -- -- -- -- -- -another lie, pls tell all FOUR credit bureaus that this account is under fraud dispute and paid in full closed back at the end of XX/XX/XXXX statement. They are still reporting it as a normal opened LATE account in theirs. 

... ... ... .quote " as mentioned previously, ever since XXXX paid the id theft about XXXX $ early this year ( XXXX while I was in XXXX ) without ever talking to me, the whole discover-fraud team has been reluctant to talk to me after she paid recklessly ( she paid fraud way before case expiration,  never allowed time for fair investigations ). My understanding is they can't get their payment back from the id theft even if they could help me justify the fraud, then they might as well pass the mistaken payment error to the victim as much as they could. "

Company response to consumer: Closed with explanation