Consumer complaint received 2022-12-11
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:
This statement is regarding internal reference number : XXXX On XX/XX/XXXX I was sent a letter stating that Discover would not reinvestigate my claim and that I would be held responsible for all transactions on the account ending in XXXX, unless I could provide new evidence. 

I have provided screenshots taken on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX all showing that my account was locked and I was unable to view or approve any activity during that time. Discover continues to blankly lie in order to pad the narrative of their own story and they must be held accountable for their falsehood. I called Discover on XX/XX/XXXX to report my card as missing. I spoke with a representative, at length, and I was told my old card would be locked and I would receive a new one in the mail in XXXX business days. Discover is claiming that I reviewed activity on XX/XX/XXXX and XX/XX/XXXX, but did not report my card as lost until XXXX. They also state that XXXX required to notify them of unauthorized activity within a timely manner and they are stating that XXXX is not a timely manner. Both of these statements are completely inaccurate and untrue. I did not review ANY activity on my account on XX/XX/XXXX or XX/XX/XXXX because MY ACCOUNT WAS LOCKED. Furthermore, timely notification is classified as 60 days. My card was stolen on XXXX so, EVEN IF I did not report the fraud until XXXX it would still qualify as timely notification, however I reported the card as stolen on XXXX, however the representative I spoke with did not take care of the issue properly because the card was never marked as missing. I called back several days later and the new representative I spoke with confirmed that the first representative did not initiate the claim correctly. 

I have also included timestamps from my app at work. I work at XXXX XXXX XXXX and I have time stamps proving that I was at work from XX/XX/XXXX to XX/XX/XXXX. I had an XXXX XXXX appointment on XX/XX/XXXX ; I have attached the text message confirming that appointment along with a photo giving proof that I was in XXXX, GA on XX/XX/XXXX. This should all be more than sufficient evidence to prove that it would be impossible for me to have made the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC or the XXXX XXXX purchase in CA. The timestamps also prove that I was at work on XX/XX/XXXX and could not have made the XXXX XXXX  in UT purchase. I was at work on XX/XX/XXXX and could not have made the XXXX in CA purchase. I was at work on XX/XX/XXXX and could not have made the XXXX in UT purchase. I was at work on XX/XX/XXXX and couldnt have made the XXXX in TX purchase or the XXXX in DE XXXX. I have included several pictures of my family on vacation at XXXX XXXX XXXX, FL on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX proving I did not make the gasoline purchase in XXXX on XX/XX/XXXX. And I have also included my approved vacation time from work on XX/XX/XXXX. Ive included a location marking and appointment notification for XXXX at XXXX XXXX proving it was impossible for me to make the gasoline purchase in XXXX. And I have also included a screenshot of my XXXX account, which has no recent purchases proving I did not make the XXXX XXXX purchase. This is the only XXXX account I have and if I made that purchase it would reflect in my order history, but it does not!! Additionally, I have included my policy report from XX/XX/XXXX. 

I will not accept being XXXX XXXX  or pushed around by Discover. I have provided PLENTY of evidence indicating that my Discover card was stolen and I reported correctly, in a timely fashion. Therefore, I should not be held liable for any unauthorized activity that occurred from XXXX. 


XXXX XXXX

Company response to consumer: Closed with explanation