Consumer complaint received 2022-01-18
Company: DISCOVER BANK
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My following statements have been previously stated during phone conversations between myself and Discover employees, and beginning with my very first phone contact to Discover declaring identity theft / fraud in XXXX of XXXX. I feel it necessary to put above said statements in writing due to the fact that my words spoken to Discover employees over the phone, have gotten twisted and distorted, and or misunderstood by Discover employees ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... XXXX, XXXX XXXX XXXX the following statements as truth! 
When i called Discover in XXXX of XXXX, i absolutely DID report this account as Identity Theft / fraud, and that i did NOT apply for, nor authorize and knew nothing about the account whatsoever. And that i had very recently discovered the account and under my identity. During that very first phone conversation, Discover transferred the phone call to about four different employees or departments, and it was Discover employees that got confused and wrote the complaint as a LOST or STOLEN credit card, instead of how i reported it as IDENTITY THEFT /FRAUD. After a few weeks i received a new credit card in the mail from Discover and i then called Discover AGAIN and told them that i do NOT want a credit card and refuse to own a credit card, and that i had reported the account as fraud ID theft and to remove it from my identity. The female Discover employee yelled at me stating that i should have reported it correctly and was very upset towards me about the whole thing. I then stated to her that the account is a result of ID theft. And this is the reason why there are three different account numbers and a very confusing paper trail considering the paper documents from Discover that i submitted as evidence in CFPB Complaint XXXX on XX/XX/XXXX .... 
... ... .Statement # 2. Discover states that i told them i had discovered the account in XXXX and did nothing to stop it because it was my wife who opened it ... ... .... 
... Discovers above statement is NOT true. During a phone conversation to Discover, i stated that around XXXX, i had noticed a Discover card in my wifes possession with HER name on it and had no reason to suspect fraud and therefore reported nothing. Much later discovered, my wife ( ex wife since XXXX ), had her own personal Discover card account. 
She also had a card in her name under this fraudulent account using my ID. ... ... ... .Statement # 3, yes i did tell Discover that i had used a card for XXXX to potentially prevent further damages from fraud, and that i couldnt remember which card i had used and that if XXXX had been charged on this fraudulent account then i would be happy to pay for the amount charged to purchase XXXX ONLY... I just recently found the paperwork that shows that XXXX was NOT charged to the fraud account! And therefore i did NOT EVER use the fraudulent Discover card account! ... ..Statement # 4, the fraudulent account was opened using an email address that is NOT nor ever has been my email address. Discover is the one that removed that email during the very first phone call i made to Discover. 
..., I had never been a victim of ID theft and was discovering many negative things during that time period, and it was all very confusing to me and i really had no idea of a correct procedure to report fraud, but i did the best i could as soon as i verified it to be true to my belief ... ... .It is Discover who is at most fault for not doing a better job at verifying exactly who they are giving money to! Discover is still currently breaking the law FCRA 609 ( e ), and in addition to their abuse towards me!

Company response to consumer: Closed with explanation