Consumer complaint received 2022-08-07
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX, I XXXX XXXX was a victim of identity theft and fraudulent activity on my accounts via XXXX XXXX, Discover in which 1st two charges were purchases made via XXXX, the XXXX XXXX person charged a computer in the amount of {$1000.00} and mailed to XXXX XXXX XXXX, XXXX, GA XXXX, and the transaction was in my name but not me. The hacker was receipting the notifications in my email account and dumping in my trash, and discovered via conversation with XXXX Rep. I notified XXXX and they still let the purchases take place. XXXX ( XXXX {$2000.00} from personal accounts ). XXXX was vigilant in stopping the wire, and the credit card theft, and issued new accounts immediately to all accounts, thief was not successful. XX/XX/XXXX, I noticed unauthorized charge in the amount of XXXX charged via XXXX for book purchase. Discover is stating a different story. Today, XX/XX/XXXX, I could not get what was purchased via XXXX Rep I must contact credit card company. First conversation with XXXX Rep confirmed the charges were not made by me and to contact the credit card company as it was fraud. I did dispute the charge. Discovers investigation said the purchase was sent to me to my address XXXX XXXX XXXX, XXXX XXXX GA XXXX, provided the description of items I supposedly received, which I had not received ( Elastic band for a wig, Printable shrink plastic sheets, Satin fabric wedding dress, XXXX for wedding dress decorations, 181 plastic sheets ). Discover representative indicate I have an authorized user on my account, my daughter. I explained to the representative in XXXX the permission for my daughter was taken off and all charges attempted to send after the date of me calling XX/XX/XXXX and cancelling all cards and further transactions were not going to be my responsibility. I informed the Representative I can close the account. The Supervisor in XXXX assured me that no one will be allowed to use card and all transactions will be stopped, supervisor supposedly fixed the issue so I would not close my Discover account. I was out of XXXX worth of charges I did not make, and I paid it off. New card was issued, and old cards and person given permission was removed from the account. Two years later, XX/XX/XXXX I reported fraud and was issued a new card. Today, I asked the lady how a card that was cancelled in XXXX incur new charges on new issued cards ( XXXX card ( XXXX ) and XXXX card ( XXXX ), and the person does not have authorization or permission to use Discover card. I'm so upset at this point. Why should I have to continue to worry about someone who had access to a cancelled Discover card that was closed out in XX/XX/XXXX but still can charge on a closed-out account with XXXX and I am held responsible. Since the XXXX incident I have not spoken to my daughter, and even if I did it has nothing to do with how charges are being made on a closed account and I am being held responsible. As stated in XXXX I will not be responsible for reoccurring charges, new charges especially on a closed account. The call in XXXX should have been on a recorded line and pulled to confirm the assurance the supervisor provided. Now I am dealing with charges I did not make nor give permission in XXXX.

Company response to consumer: Closed with non-monetary relief