Consumer complaint received 2019-11-04
Company: DISCOVER BANK
State: MI
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:
Discover Financial Services Credit card # : XXXX ( or the case # is XXXX ) Late night on XX/XX/XXXX XX/XX/XXXX my Discover credit card presented fraudulent transactions from XXXX XXXX and XXXX ( XXXX XXXX XXXX ) in XXXX XXXX, NV. There were 3 separate transactions. One for {$2800.00}, {$5300.00} and {$3700.00}. Recently Discover Card Services held me accountable for these transactions totaling over {$11000.00}. I have been with Discover since XXXX and I decided to close my account. 

The Story : On the night of XX/XX/XXXX XX/XX/XXXX my Discover Card, XXXX XXXX and XXXX XXXX XXXX were fraudulently used by XXXX XXXX and XXXX ( XXXX XXXX XXXX ) in XXXX XXXX, NV. I arrived with 2 friends and after the 1st drink, I dont remember anything until my friend finally found me in this establishment 4-5 hours later passed out with my money clip contents ( credit cards ) and cash spread on a table. Also, about {$300.00} was missing as well. The next day I was violently sick even though I barely had any alcohol that evening ( I have XXXX and alcohol can make me sick because of those XXXX. So, I don't drink much ). My wife and I work in the XXXX XXXX and we didnt realize it at the time. But, my drink was obviously XXXX  and I was XXXX. In what we thought I had a viral bug, we easily figured out what happened after the transactions on my 3 credit cards presented with thousands of dollars. 
Therefore, for a significant period of time on that night my money clip was not in my possession. My friend attempted twice to find me in the establishment. Only for the bouncers to lie to him that I was not there. Finally, after many attempts. The bouncers told my friend I was in a dark back room passed out. My friend woke me up and he had to carry me out of the establishment because in his words he said I was " XXXX. '' He also saw my money clip contents ( Cash and credit cards ) spread out on a table in which he recovered for me. Again, When my friend was looking for me that evening, multiple times the bouncers stated I was not there even though I was. So, they were lying about my existence at the club. So, I dont know the exact amount of time my card/money clip was not in possession. But, these transactions took place while my money clip WAS NOT in my possession and I would surely NOT authorize such ridiculous amounts on 3 credit cards almost totaling $ XXXX! They were stolen and used for a period of time by the staff after they XXXX me. Moreover, my 2 other credit cards were charged fraudulently as well without my knowledge, further supporting criminal activity. If you look at my spending patterns since XXXX with Discover Card and other credit cards, it proves my spending patterns would back up this claim that these charges were fraudulent. I have to get a stem cell procedure next year for a medical condition that my insurance won't cover. I would NEVER compromise this procedure by spending thousands in 4-5 hours at one establishment. Ridiculous.

Also, I wish I took a blood test when I got home for possible XXXX of the alcohol. Again, My wife and I are in the XXXX XXXX and we figured out very quickly after seeing the fraudulent transactions on 3 of my credit cards on XX/XX/XXXX when we got home. 
Providing evidence that possibly some type of extra-curricular substance was utilized to put me in that state. This is why they stated I was not there. They were blatantly robbing me! 

Per my research, this has happened hundreds of times ( maybe thousands ) by this establishment and at other places in XXXX XXXX. I recently heard from acquaintances and friends they were also victims of these types of events at this SAME location and others. I believe this situation is very obvious that I was a victim of a form of identity theft and maybe more. I would never authorize these transactions totaling in the thousands! 

I filed a police report and sent it to Discover and to my other 2 credit card companies with fraudulent transactions. The officer was WELL AWARE of these criminal activities when I filed the report. She and other officers have received many criminal claims from that establishment for the exact same thing. That is why she put stolen or lost on the incident report because this has happened before. Furthermore, the XXXX XXXX PD stated I needed to file a courtesy report regarding being drugged by the alcohol. I contacted 3 local police departments in my area and none of them would file the report because they have never heard of a courtesy report. 

I called Discover Consumer protection weekly to update them on the situation. I was completely transparent. I had my attorney was involved. However, just recently I was found accountable. The reason I was found accountable because the establishment sent my fingerprints, initials and a picture of myself making a transaction. Is this even legal? I don't remember any of it. Discover card stated that " I looked XXXX. '' This is utterly foolish. How can you tell by a picture and I don't even remember even being moved  around. They could of easily did these things while I was XXXX. EASILY! I dont understand how Discover Card can side with a criminal organization over its customers while my XXXX XXXX and XXXX XXXX deleted those fraudulent transactions immediately after I filed an incident report. They knew I was a victim. 

To put this situation in perspective, Discover Card is stating I am an XXXX XXXX. Discover is saying I actually went into that club and knowingly spent almost {$30000.00} on 3 credit cards in 4-5 hours!!!!!!! Also, about {$300.00} in cash that was stolen. Again, XXXX XXXX took those transactions off immediately after the 1st police/incident report. So did XXXX XXXX and I consider them the worst in the industry backing up their customers. I cant even fathom how Discover Card held me responsible for this event.

Furthermore, I found out if I decide to press charges it is going to cost me a lot more than {$11000.00} being that I am in Michigan. 

I kindly ask that you help me please get these transactions off my closed Discover Card account. Also, to protect my stellar credit which has been this status for years. I was very happy with my Discover Card and I think it is one of the best travel cards on the market. Lastly, I feel I was a very good loyal customer of theirs.

Thank you for very much for your time.

Company response to consumer: Closed with explanation