Consumer complaint received 2022-07-18
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (CA)

In XXXX, I noticed that I had a total of {$12000.00} withdrawn from my Discover savings account ending in XXXX which is currently closed to prevent any future withdrawals. 
The money taken out was transferred to a XXXX  account in XXXX in increments of {$4200.00} ; {$2100.00} ; {$2400.00} ; {$2300.00} ; and {$1800.00}, which I do not currently own nor have I ever opened an account, but apparently it was opened under my name and had my email and address, which I suspect the thief took my social security number as well. I called Discover to dispute it but they found that it was withdrawn from a reliable device, so they reversed the provisional credits I received and closed the dispute. But it definitely was not me and I'm not sure what device it was to even suspect who could have done it because Discover would not give me that information. I also noticed that my credit report had a hard inquiry from XXXX XXXX that I did not make so I called them and they ruled it as fraud, and I noticed another credit card account was made under my name from XXXX Card but I did not make it so I closed that account as well. 

I called Discover multiple times in XXXX and in late XXXX and early XXXX to recover my funds but they refused to re-open the investigation, saying I needed more supporting documents. I sent them documents showing my filed Identity Theft report, and closed accounts with the fraud credit card and loan, but they required that I file a police report otherwise they wouldn't do anything. So, XX/XX/XXXX, I filed a police report and sent Discover the report but after calling them on XX/XX/XXXX, they said that they can not do anything without knowing that the XXXX account was closed. I can not contact XXXX  without the account number, but because I did not open the account, I do not have that information which I have explained each time given that this is an identity theft issue so I did not make that account. So both Discover and XXXX are asking that law enforcement send a subpoena to them to obtain that information. Discover said to call this number for instructions on how to submit the subpoena to them : ( XXXX ) XXXX and XXXX 's email says to fax it to ( XXXX ) XXXX. 

Another police officer/detective picked up my case and said they do not send subpoenas but can only do warrants, however the detective said they have no time estimate of when they can get that as they are understaffed and it seemed like she would not get a warrant for a few months. The detective told me that even if I get a warrant for the account number, I would not be able to see it so it's not even guaranteed that I would get my money back so Discover should re-open the case regardless and that I should push back on them, but Discover has not been compliant. It seems like the only thing Discover needs is the XXXX 's account number which Discover themselves has access to, so why should I even have to obtain it? If they truly valued their customers, they should work harder to protect fraud and theft cases like this, and they should work with XXXX to identify the fraud since they have the account number anyway. Obviously the account will have my name because it's an identity theft issue, so they shouldn't close the dispute as quick as that. An unauthorized transaction of almost XXXX XXXX dollars has been made -- this issue should be escalated.