Consumer complaint received 2020-09-30
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTACHMENTS INCLUDED. THIS IS NOT A DUPLICATE COMPLAINT FROM A 3 YEAR ORDEAL! At the end of the complaint, I am swearing that this complaint is truth. I was frustrated after receiving recent letter dated XXXX and contacted Discover. I was asking of settlement BUT I clearly stated I was not accepting any debt or blame. I will use care how I word this letter to prevent any misunderstanding. 
The credit card was mine. The credit card was stolen. There were unauthorized purchases and unauthorized payments that Discover allowed so the credit limit could be exceeded. I have previously sent a XX/XX/XXXX sheriff 's report and FTC identity theft reports. 
Isnt it odd that on XXXX, a regular payment is made and then the next day a large fraudulent payment is made from another bank? OK, a thief caught Discover once but then how are additional multiple insufficient payments made in such a short time without Discover taking action? Regardless of what you heard from others ; this should have never happened. And how can money be instantly available from 4 payments before any are presented and cleared through XXXX XXXX? Is it a software issue or clerical error that assists thieves? When people think of large companies, they think of cutting-edge technology that protects against thieves and protects their private information in this day and time. The bad payments are Discovers error because of inefficiency. I never had an account at XXXX XXXX and I was not aware nor authorized the large payments that were drawn upon XXXX XXXX in XXXX. I was not using the card but paying it off. I was just recently, 2 months ago, designated a XXXX survivor by XXXX  XXXX. I had XXXX XXXX and definitely no time for a lady and definitely did not refer to anyone as my wife. 
And then Discover claims I assumed responsibility for all the charges of the thief and the bad payments that Discover allowed. 
I have never dropped the claim. The events given by Discover of me so called dropping the claim are bizarre. What were the phone numbers Discover used to call me and what were phone numbers used to call Discover? I never referred to a thief or anyone as my wife. I have not been married since XXXX. Investigate the court records. 
Why would I file a sheriffs report and then two days later, not receive a call, but call, give Discover authorization to talk to someone, and claim she is my spouse????? This was instigated because the card was used to pay probation fees to XXXX XXXX County XXXX and any problems would have canceled probation. Has Discover ever researched the charges to XXXX XXXX County. Then it should become obvious she was doing anything to stay out of jail. Four other credit cards were used the same way and is why I filed sheriffs report. 
I never talked to Discover nor received the XX/XX/XXXX letter reflecting fraud claim was dropped. In XX/XX/XXXX, I saw the letter when I received the CFPBs response from Discover Card. Discover further states in one letter It is noted that each return payment, notification was sent to your address of reference and none of the above were returned by the USPS as undelivered. I never received any of these. During this period of time, my mailbox was being robbed. This same person sweet talked someone at XXXX  and accessed my corporate account. 5 XXXX were purchased and then stolen from my mailbox. I do not know what all was stolen. My mailbox is a rural mailbox mile from my home. See attached picture. 
SUMMARY Discover allowed 4 bogus payments that can not be excused by what someone told them later. I have never canceled theft claim. I have never referred to anyone as my wife. I never contacted Discover on XXXX nor did I receive the XXXX notification I was dropping claim. I never accepted the theft payments nor charges. I will notarize this complaint if required.

Company response to consumer: Closed with explanation