Consumer complaint received 2019-11-11
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Discover financial services has not resolved the identity theft issue that has been ongoing with their company since they allowed two Fraudulent accounts to be opened, these accounts were never confirmed by me, The cards were never received at any addresses I have lived at, The employment is not legit. The application ( s ) were fraud. Still are fraud, and Discover does nothing to resolve the issue. They have allowed two accounts to fraudulently to be opened. A Discover it card in XXXX of XXXX, and a Discover Chrome card in XXXX of XXXX. Both of which again are Fraudulent and not authorized. Discover never called to clear the fraud alerts on my credit profile, These are extended fraud alerts and once again it specifically calls for calling someone before opening an account, and Discover failed to accept that law, nor did they follow the procedures of that law. The Inquiry was blocked due to fraud, and will remain blocked because it was an identity thief using the information that isn't even valid. In a previous complaint Discover advised me they have " Investigated the issue '' They also here stated in an accusatory tone, they opened 5 ACCOUNTS Yes you read that right 5 ACCOUNTS Without authorization because they decided to investigate the accounts as " Transactional Fraud '' The Rep XXXX XXXX also advised that I CALLED IN to request the accounts be investigated that I was disputing some fraudulent transactions. AGAIN Accusatory, not verified and no information was proven. Additionally, XXXX XXXX also said she verified the email address XXXX WAS USED TO REGISTER THE ACCOUNT, Yet according to my XXXX  Identity Protection Alerts this email address was found on the dark web. I have contacted XXXX about it, which is pending resolution and investigation to block the email address. Additionally Discover also stated they verified with a motorcycle company that I took their Motorcycle class and they verified the endsorement was put on my license from said class. Again no proof, and again NO EVIDENCE of said call and or said lies they continue to promote in their comments. Discover is committing the fraud, they opened numerous accounts without my authorization. I have only made 1 call to discover ever in my life and that was to report these as application fraud, I never once called in to report transactional fraud, in fact their Fraud Rep told me on the phone that they had mistakingly marked it as transactional fraud. She apologized and told me this would be corrected because again Discover continued to report this as transactional fraud and continued to try and investigate individual transactions. They never once investigated that the cards were never received, never investigated the applications which they admitted were submitted online. Additionally, Discover says they verified calls in XXXX, Which again I never made I am not sure how they verified these because discover can't ever provide evidence instead continues to falsely report fraudulent information from an identity thief. Discovers fraud department is very horrible. They openly admit the applications were submitted online, they openly admitted they opened the card 5 times as transactional fraud instead of closing it due to application fraud, Since I never authorized the application nor received the cards. The Bank accounts which made payments to those accounts additionally have also been closed due to identity theft, yet Discover again acknowledged they investigated this and verified the bank accounts were legit. Again, False information as always. Discover has never investigated anything, Discover needs to be investigated for their practices. They do not follow the law, they do not accept the FTC Identity Theft Affidavit, they take fraud cases into their own hands and create more fraud, they do not resolve the issue and continue to cause me monetary loss. Discover is not willing to investigate they lie in every comment they say, I have a letter from them which told me I am not held Liable for the account and then later they just change the number and try to say I am liable when a thief opened these accounts. I want Discover investigated for Abusive practices, Harassment, Not handling fraud and discrimination which they continue to perform. I do not have accounts with Discover and I will not pay accounts with Discover when I never received any Cards from Discover, Never submitted any applications with Discover and Discover continues to report identity theft.

Company response to consumer: Closed with non-monetary relief