Consumer complaint received 2022-10-02
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This company claims I called in when I did not I asked for the phone call I do not get it they said I find the affidavit I dont believe it because my signature will not be on it they said they resolved all things within reason because of the evidence that they have there is none this is about to go to litigation unless they resolve it on their own accord or prove to me otherwise. I would like to see this affidavit as it does not have my signature I guarantee it that within itself is fraudulent and you went off of fraudulent documentation to consider a fraudulent account and dispute balance transfers. I would also like to listen to that phone call and hear myself state That I am submitting fraud claims against balance transfers because it was an inquiry of XXXX  XXXX and that was it and if I have to subpoena the phone call to prove it to you I will. Then you state we called into the undisputed dispute no actually we called it in for XXXX weeks nobody will give us information until finally somebody competent enough would then tell us we could do undisputed disputes did it and then we followed up from there were none of your representations or anyone could do anything in their job category or description so once again where is your documentation I wan na hear the phone call because whatever youre describing is actually fraud within itself and for you actually having the negligence to allow somebody into my account is automatically available for a lawsuit so if I need to forward this to litigation I will because the what you were describing is not the events that happened whatsoever and I had no idea of what youre talking about so with that said there is no signed affidavit with my signature on it and there is no phone call with my voice on it and if you claim that there is then thats your negligence allowing somebody else into my account to do as they please. This is exactly why we explain to you that my son-in-law was going through identity theft and anything and everything that is related to him is having an issue is exactly why we removed him from as an authorized user know what that said you were saying somebody called in and pretended to be mad when we wrote documentation signed at both parties and said nobody called in and that you should fix this immediately you neglected to do so sent us XXXX different letters XXXX stating that you withdrew to dispute the other XXXX saying you dont know who we are you did that XXXX separate times on XXXX separate occasions on XXXX separate dates making it very confusing on what the XXXX you were trying to solve the puzzle you were trying to solve is incompetent because there is nothing that we did theres nothing that we called in about and youre stating that somebody called in and pretended to be me I want that phone call I want to affidavit that was apparently signed by me its not my signature my signature is on the piece of paper that I sent you stating to you that you need to send those funds back to those institutions that you got fraudulently closed because you decided to reverse something that I did not and if I need to take the state of Superior Court or any type of courthouse with my lawyer I will do so as you do not have any evidence no phone call with my voice or my signature on anything besides the statement me and my son-in-law wrote stating that we do not know what the XXXX you were doing and you need to reverse this because it is all done in error and you on your own accord decided to dispute XXXX transactions and get everyones credit shot out ruin their lives and have caused hardships beyond belief so congratulations to a Discover card you are now going to be involved in the best litigation process for my lawyer yet to come unless you resolve this immediately because your process does not sound like anything that is actually logical so when we subpoena those phone calls and we get that affidavit and we prove to you that thats not my signature with a in handwriting analysis expert and we prove to you that thats not my voice on the phone youll be very disappointed to hear that you did your job so improperly so negligently that you ruined our lives in the process and will always much more than what we are asking for you to do

Company response to consumer: Closed with explanation