Consumer complaint received 2017-01-29
Company: DISCOVER BANK
State: UT
Product: Credit card
Issue: Balance transfer

Complaint:
On XX/XX/XXXX I when reviewing my old credit card statements for Discover in order to figure out why my credit card charges had gotten so high. In the statement dated XX/XX/XXXX and card ending in XXXX I notice a balance transfer on XX/XX/XXXX to my Discover card for {$4000.00} dollars for which I 'm the only authorized user and card holder. During this time I had been working a 70-80hrs a week and had neglected to review my electronic statements and during that month I knew there had been some major XXXX purchases which was another reason I had not discovered the unauthorized balance transfer. Upon discovering this on XX/XX/XXXX I called Discover and they said I would have to call back during business hours the next day and talk to the fraud department. So the next day I called the fraud department and they indicated I would have to implicate someone and file a fraud claim in order to get it investigated and that would take 90days even though it listed the balance transfer check number on the statement, so I file a possible fraud charge indicating who I though might have done it but not know for sure who. So they immediately discontinued that card and sent me a knew on while that investigated the claim. On XX/XX/XXXX in the late afternoon the lead investigator contacted me and indicated that these where serious accusation and wanted to know if I wanted to pursue the claim but would not tell me who it was but said they would go after the person I had implicated and that I should file a Police report with the local authorities. At this point I indicated that I did not want them to contact the person or report the person I had implicated because I needed to know it was that person first and that I did not want to go around making false accusations without any evidence. She then said they would go after this person for the money and then I got very upset and it got a little heated as I said why ca n't you just give me the two simple things I 've asked for since its my account and my credit card, I need to know who the check was made out to and who signed it, thats all Im asking. She said they would have to finish the investigation and then release that information to the police. I said well Im not comfortable doing that without any evidence and just to forget it if they could not give me the information I ask for. I feel like I was bullied into withdrawing the fraud claim because they wanted me to do all these thing to implicated someone when I had no concrete evidence. Despite this the affidavit of fraud to fill out still came in the mail followed by a letter stating they were withdrawing the claim per my request. So I decided to report it to the local authorities on XX/XX/XXXX and filled out the form and sent it in on XX/XX/XXXX with a note stating that I wanted to pursue the investigation so the Police could do there job in filing my report to them and that I needed to know who had done this. On XX/XX/XXXX I called to see if they had received the affidavit and they said they had not but took down all the police information requested in the form. Finally on XX/XX/XXXX I called Discover agains since 2 weeks prior I had contacted the Police Chief who said he still had not heard from Discover. The first person I talked to said the investigation as closed and said I would need a fax or email for them to forward the information to the police and then transferred me to the lead investigator who indicated they would not reopen the investigation or forward to the police since I withdrawn the claim and it was considered a domestic dispute. So I asked who signed it and who it was written to? She said the personI had implicated was who it was to and she had also signed it, to which I said I need a copy of that check and she said they would mail it to me and when it came it was made out to the implicated but signed by me and not my signature.

Company response to consumer: Closed with non-monetary relief