Consumer complaint received 2017-10-18
Company: DISCOVER BANK
State: NJ
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:
I have been in contact with Discover since XXXX when a card was fraudulently opened under my name in which case i was not notified until the card had been charged up well over its limit. I was very upset that i was never notified about the opening of this card. My information was compromised and a card was sent to an address I have never been associated with. Upon asking Discover for a validation of debt and proof of how this account was opened and WHY it was sent to an address that I have no association with, the answers I got were appalling. I received several statements, the first which had my address on the front, and all of the statements behind it were addressed to the unknown address THEN CHANGED EVERY SINGLE STATEMENT TO REFLECT MY ADDRESS!!!! They manipulated the paperwork to reflect my address how is this not illegal!!!!!! Every single time I ask for answers as to why the card was sent to that address, I get the same response. This time, as of XX/XX/XXXX, after i spoke with a " Credit Bureau XXXX '' who claimed they would call me back regarding this information, but never called. The newest letter reads " A review of our records indicates that you are responsible for the balance on the account. We have responded to your previous debt validation responses on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Our position on the matter remains unchanged. '' This is after I was told i would get a call back to discuss the matter, and never did. Now, the mistake on my behalf, I paid a few months on this card because I was going to be denied a government job as a XXXX agent in an airport and could n't have more than a certain amount of outstanding debt. I paid in order to get myself out of a financial crisis and into a better job to support my family. I was a newly college graduate and scared and desperate I did n't know what else to do without losing the position I worked so hard to get. Prior to this arrangement, Discover will have notations of me calling very disgruntled that they would allow someone to use my personal information. I also had a situation at the same time where an account was opened with XXXX XXXX however, I was lucky enough to get that rectified and removed. I am so frustrated, I can not get any answers from Discover whether i call them or not and I have reached a dead end with the bureaus. Transunion has removed it however, XXXX and XXXX are refusing to investigate further. As I began to do my research I started saving all of the letters and information I was sending as proof. Please help me with this matter and what I can do to get my credit back so I can move on with my life in peace. I am always on time with my credit and payments and have been working on establishing my credit since high school for it all to be taken from me in the blink of an eye. XXXX ADDITION I NEVER HAD THIS CARD IN MY POSSESSION IT WAS NEVER EVEN SENT TO MY ADDRESS WHEN THE ACCOUNT WAS OPENED!!!!! ***

Company response to consumer: Closed with explanation