Consumer complaint received 2021-12-20
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:
XXXX, You made sure to address the fact that the identity that Discover used to illegally open an account in my name, matches the same identity that i have provided. 
XXXX, Do you know the definition of IDENTITY THEFT? 

XXXX, You stated that this illegal account was application was submitted online, and therefore you do not have a physical application that you can provide to me. 
XXXX, Do you know how to use a printer copy machine? 

XXXX, You stated that your records indicatethat a Discover re. spoke with me over the phone during the application process. 
XXXX, Your above statement is a LIE, i spoke to nobody because i did not know anything about this illegal activity. 

XXXX, You stated that on XX/XX/XXXX i contacted your customer assistance department and reported the account ending in XXXX as lost or stolen. 
XXXX, If you look closely at the paperwork that i have attached under files, ( and had also emailed them to you recently ) you will notice the document with the date of XX/XX/XXXX. 
Are you telling me that i received a letter from Discover acknowledging my report of this crime ON THE VERY SAME DAY THAT YOU CLAIM I REPORTED THIS CRIME? 
Your not doing very well so far XXXX XXXX XXXX XXXX, You stared that the account ending in XXXX, was closed on XX/XX/XXXX. 
XXXX XXXX, You will notice the attached file documents where Discover states that the account ending in XXXX was closed on XX/XX/XXXX. And it was closed for investigation of unauthorized use of my name or other personal information.,. 
( IDENTITY THEFT )! 
Now XXXX XXXX, take a look at the file documents that i provided, and you will notice the date of XX/XX/XXXX. Account ending in XXXX. The document states that Discover has determined that unauthorized charges have occurred on the above referenced account. The account has been credited for these charges. As i requested, the new account has been closed and no new cards will be issued. 
Therefore XXXX XXXX, your statement is a misrepresentation of facts. 

XXXX XXXX, You stated that on XX/XX/XXXX, i contacted your customer protection services department and provided additional information and advised that i had become aware of the account back in XXXX but did not close as fraud because my spouse had opened it. 
XXXX XXXX, YOU THEN STATED THAT ON XX/XX/XXXX, THAT I ADMITTED TO BECOMING AWARE OF THIS ACCOUNT AND DID NOT WANT TO REPORT THIS AS FRAUD BECAUSE MY WIFE HAD OPENED IT. Are you starting to see the pattern, of incompetence?! 
I also have documents for account ending in XXXX, dated XX/XX/XXXX, and then just take a look at the debacle of information contained within the rest of the attached file documents from Discover. 

XXXX XXXX, REMOVE THIS ILLEGAL ACCOUNT FROM MY NAME IMMEDIATELY! 
Otherwise it will be DISCOVER COMMITTING FRAUD! 

Also it is my Right and your Duty to provide me a copy of the application that was used to open said Fraudulent Account. 
Please comply and provide the above stated application here within your response, so that the CFPB can have a look at it too. Also include the Verification to Consent to Esign that are required to legally esign. 
Im not sure if XXXX was charged to Discover? Can you also provide verification or proof of XXXX?

Company response to consumer: Closed with explanation