Consumer complaint received 2020-07-05
Company: DISCOVER BANK
State: CT
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:
I filed a dispute in the early part of the month of XX/XX/XXXX for many fraudulent charges that took place for more than a year. The disputes amounted to over {$6000.00} in unauthorized purchases. The charges dated at least back to XXXX of XXXX maybe further, and continued until XXXX of XXXX. When I started the claim I spoke to a representative about the unauthorized charges that I noticed after some time had passed. I had my card paid automatically and never really looked at my electronic statements. I informed them that my wife had a similar discover card with them and that we had done low interest balance transfers from high interest cards to a discover card. I was not sure and I confused that I was the one who put the balance transfers on the card. Under that pretense and the fact that I didnt really look at my statements, I did not think anything of the higher payments. When they asked why I took so long to report the charges I explained these things to them. And when they asked how I finally noticed I told them that XXXX  XXXX had informed me of similar charges suspected of possible fraud just on a smaller scale. I filed a claim with XXXX  XXXX for the fraudulent charges as well and my charges were refunded. I told them upon checking my cards I saw these charges and noticed they were the same charges similar to the ones XXXX  XXXX informed me of. It was at that point that I realized that the balance transfers were mostly on my wifes discover card. They went over the charges with me and filed the claim. I was called by someone shortly after asking about the claim and asked the same questions about why I took so long to file the claim and why did I finally notice. I told them the same thing that I told the previous representative. I also mentioned that we had our direct neighbors move out in XXXX and at some point a few years prior my wallet was missing and they returned it to me. So I felt they could have obtained the numbers of my cards. In addition shortly after they moved out we were informed by our isp that they had been using our WiFi for years and that they somehow had the password. I was told that my account would be credited for the charges in question while they researched the claim. They totaled {$6800.00}. I was called a week later and asked the same questions again and again I answered the same way I had previously. I was called a month later or so and told that my claim had been denied mainly based on the fact that I waited too long to file the claim. I asked about appealing the decision and they gave me the run around and discouraged me from doing so and advised me to pay more attention to my statements. Attachments include Discover Statement that shows all disputed charges and total amount which was temporarily credited. Second upload is a screen shot of an email from XXXX XXXX assuring me that I am not liable for these charges as I did not make them.

Company response to consumer: Closed with explanation