Consumer complaint received 2017-11-16
Company: DISCOVER BANK
State: MI
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:
RE : Discover Credit Card acct ending in XXXX ; with unauthorized uses, requested a " cease and desist '' Discover refuses and continues to call me 3-4 times every day. 
Summary of facts : - I opened a Discover card in XX/XX/XXXX account ending in XXXX, - I used this card one time in the first month i received it -This account was paid off completely and never used by me or anyone I authorized. 
- I had actually forgotten I even had the card But then : - a month or so ago I began receiving collection calls from Discover, I informed them this was not my charges to please stop calling, - Discover never stopped calling, they call me 3 to 4 times every day - I am not home, due to work from XXXX to XXXX - I am XXXX yrs old, with a XXXX XXXX among other illnesses and exhausted - On XX/XX/XXXX ( Saturday ) after receiving more calls that day, talked to Discover, the representative said I owe over {$5000.00}, I again informed the representative these charges were not mine. 
-I was transfered to someone else, I believe from fraud dept. 
- NOTE : the Discover rep never asked me verifying information - We went over charges and they informed me which accounts have been used to make or attempt to make payments _I was very surprised I was able to obtain all this information without providing the necessary information to identify who i am. So i am thinking, maybe this is how whoever did use my Discover account was able to put on this charade for so long. 
- PLEASE : I implore you to listen to the call on XX/XX/XXXX- It was record and incase Discover tries to claim they do not have this recording. I did record most of it myself and would be happy to give anyone access. 
- What surprised me more was although I informed Discover these charges were fraud or ID Theft. They never considered filing a report. 
- Discover rep even admitted to me mistakes they made - I have disputed this account as part of ID Theft and requested it this trade-line to be deleted or blocked from my credit report -Discover has refused to do any of this or anything they a required to do under the law. 
-Discover is reporting the account as negative on all my credit reports - I am again demanding a CEASE and DESIST with this account and Demanding it be removed from my Credit reports. 
- Having negative information on my credit report jeopardizes my employment. My employer pulls my credit report at least 2x every year and always near the end of the year. Therefore, I am in immediate risk of losing my job and at my age that would destroy my life. 
-I Must work 4-5 more years to have enough to live on through retirement. 
- I have never missed a payment on any account that is mine in my life. 
THESE CHARGES DO NOT BELONG TO ME AND DISCOVER WILL NOT STOP HARASSING ME AND IT IS HAVING AN IMPACT ON MY PHYSICAL HEALTH. 
I just do n't understand why Discover will not follow the law, they know what the law requires.

Company response to consumer: Closed with non-monetary relief