Consumer complaint received 2018-03-29
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
OnXX/XX/XXXXand onXX/XX/XXXXmy Discover Credit card was charged at 6 different locations. On XX/XX/XXXXthere were charges in XXXX XXXX   NY for {$51.00}, at XXXX XXXX  NY for {$5.00}, and two charges at XXXX XXXX XXXX XXXX, NY for {$18.00} and of {$13.00}. On XX/XX/XXXX there were charges at XXXX XXXX XXXX XXXX  ny for {$710.00}, at XXXX XXXX CA for {$11000.00}, and a charge at XXXX XXXX XXXX XXXX XXXX  NY for {$17.00}. I did not make those charges they were all fraudulent charges. I have proof of XXXX ticket that i was away in XXXX   WI XX/XX/XXXXat XXXX XXXX, and I came backXX/XX/XXXX to XXXX  NY where is reside. Few days later i realized there were charges on my account and I called to Discover Card to notify them that I didn't not make these charges. I was told that my account will be closed, i was also told by Discover that someone called and changed the phone number on the account, to which i explained that i did not do it and that I still have the same phone number as before. Discover took off the charges from my account, then put them back on saying that they are conducting the investigation. They told me to pay minimum payments until the whole situation is settled, so my credit score is not going to go down, and for 5 months i kept doing that. They told me that once we settle the case we will give you the money back from those minimum payments. I was told to make a police report that i did at a police precinct near my house. During all this time i kept in touch with Discover credit Card and the Fraud Department offering my help, proof, or any other information. My case was closed and they told me that i was responsible for the charges, without explaining and giving me any information. I tried to reopen the case and my investigator at the precinct kept threatening me that he will put me to jail, and telling me to speak to Discover. Discover Fraud department was telling me to speak to the investigator, so i was being thrown around without anyone telling me what is happening. In addition to that i never had a chance to speak to the investigator and explain my side of the story. I also tried to send in all the necessary proof to show that i didn't not make those charges but Discover Card refused to take a look at them. I was told that they are waiting for subpoena. This lasted for about a year and a half and I didn't get any info from Discover or from investigator. In XX/XX/XXXX i was told that my investigator was changed twice without notifying me and the case was closed and Discover refuses to speak to me.

I was told that he highest charge from the XXXX XXXX XXXX for {$11000.00} was also delivered to my address, but I never received anything and never signed for it. I tried to show proof to Discover that my signature does not match, that on the day of delivery i was not home and that i have proof where I was and who is was with. Besides that 4 charges on XX/XX/XXXXwere made in XXXX  NY and I was in XXXX  WI.

I don't know what to do, i am hopeless and helpless. I have huge debt on my card that i did not purchase, my credit score dropped and no one gives me any information as to what is happening and what to do next.

I will submit all the proof that i have.

Company response to consumer: Closed with explanation