Consumer complaint received 2015-09-23
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I, XXXX XXXX XXXX, have been paying monthly for Identity theft protection since XXXX XXXX, XXXX through Discover which bills me {$10.00} per month for this service. My address had to be verified in XXXX XXXX when I moved to XXXX CA from XXXX, CA because the Discover bills for ID theft protection have been coming each month to XXXX and they have been paid on time for YEARS without a problem. I have NO credit card debt. I also have been getting periodic statements regarding any potential breaches of my identity, REGULARLY from Discover sent to this address in XXXX, on XXXX. Suddenly I received the attached emailing below and wondered if it was a Discover credit card company impersonation ... so I called Discover 's toll free number XXXX/XXXX/XXXX at approximately XXXX PDT ( company based in Utah ) and was told by supervisor after supervisor that their ''XXXX party '' Identity theft company has tried several times to verify my address without success. WHICH MAKES NO SENSE as I have been paying the ID Theft protection over and over without a problem, again for YEARS ... Discover said they cancelled my ID protection and it CA N'T be reversed because the " XXXX party, '' with the Acronym " XXXX '' ca n't verify my address. My last payment for ID protection was XXXX/XXXX/XXXX and it went through as all others..I have my XXXX ledger that shows all my successful payments to payee, Discover since XXXX for ID theft protection at {$10.00} per month. Sometimes I voluntarily XXXX my payments to be ahead by a month. So I was on the phone for XXXX minutes going from XXXX Discover supervisor to another and all said they could not reinstate my ID theft protection because of what is said in communication attached about lack of address verification. I think the third party in alliance with Discover are trying to drop enrollees at the OLD monthly fee of {$10.00}, and enroll new ones at a higher fee. This must be looked into. Here is the email I received from Discover that clarifies the basis of my complaint. Incidentally, I am debt free and have a very high credit score. Discover canceling ID Theft protection on false grounds needs to be addressed. Again I wonder how many other ID THEFT PROTECTION enrollees have received the same email as I did on the false pretense of a lack of address verification and had their ID Theft protection CANCELLED without a chance of reversal?. 
Copy below of email I received from Discover on XXXX/XXXX/XXXX : Account number ending in XXXXInformation about your Protection Product CoverageDear XXXX XXXX XXXX, During a recent review of your Discover ( R ) account, our records indicate that we could not successfully verify your address after several attempts of contacting you. As a result, we were unable to send you important mail correspondence regarding your Identity Theft Protection membership. Therefore, we are unable to continue your membership in Identity Theft Protection. We are currently processing your cancellation and you will no longer be billed for your membership. 

Thank you for being a loyal Discover Cardmember. 

Sincerely, Identity Theft Protection Member Services I believe more than ME got this email below.. I intend to send a complaint up the chain.. but go above Discover 's head on this ... I need to know who regulates the credit card industry as per the government ... who in Congress I should contact ... and what media would be interested in this.. First I want to file a FORMAL COMPLAINT to a credit card co. overseer or US Govt . REGULATOR.. Discover is trying to say the XXXX party is the XXXX responsible not them. Does it make sense that I have been getting regular Discover billings for ID theft in the mail if my address has not been verified.

Company response to consumer: Closed with non-monetary relief