Consumer complaint received 2017-11-21
Company: DISCOVER BANK
State: CA
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:
Discover bank has falsely held me liable for two ATM cash advance transactions that were done using my Discover credit card pin number. The first transaction occurred on Sunday, XX/XX/XXXX, at XXXX ET ( XXXX PT ) for {$500.00} at XXXX XXXX , XXXX XXXX , California. The second transaction took place Monday, XX/XX/XXXX, at XXXX, ET ( XXXX PT ) at XXXX XXXX , XXXX XXXX , California for {$480.00}. The total amount of fraudulent transactions is {$980.00} plus interest that has been accumulating since the transactions. 

I took action the day after I received a call from Discover warning me about the fraudulent charges. Mistakingly, I had misunderstood the Discover representative at the time of the initial call and thought the transactions he was talking about were cash advances I had recently made in XXXX, Oregon a few days before and in XX/XX/XXXX while in XXXX, XXXX. The next day I called Discover to let them know that I did NOT perform the recent transactions. Since this call, Discover has relentlessly tried to find me guilty and liable for these charges by manipulating any information I have tried to give them over the phone. I followed through with a police report as requested by Discover. Unfortunately, the police did not want to look into the situation. The banks where these cash advances occurred also could not provide me with video footage unless the police had requested it themselves. After complying with Discover 's wishes, Thursday, XX/XX/XXXX, Discover called to tell me I was being held liable. I then proved to Discover that I was not in XXXX XXXX, California, or XXXX XXXX, California at the time of the transaction. I called XXXX XXXX and they provided me confirmation of my flight on the XX/XX/XXXX, from XXXX, Oregon to XXXX, California which I faxed to Discover on Friday, XX/XX/XXXX. My university has signed documentation that I was in class on XX/XX/XXXX, and I provided that documentation to Discover on Friday, XX/XX/XXXX, as well. Both of these documents have shown that I could not have been in the area where these charges occurred. 

Monday, XX/XX/XXXX, I reached out to Discover after I received yet another letter addressed XX/XX/XXXX, that they were still holding me liable for the charges after reviewing the documentation that I provided them. After talking to the Discover representative, the reason they are holding me liable is that they believe I could have given my Discover credit card pin number to someone. The representative also said I could have written my pin number down and someone could have seen it. Any person could have been looking over my shoulder when I may have used my pin number. Any person could have been watching video footage of me inputting my pin number. It CAN NOT be disproven that my pin was not compromised when I last used it. There is no way Discover can legally hold me liable for fraudulent charges after I told them many times that the charges were not done by me or under my authority.

Company response to consumer: Closed with non-monetary relief