Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (GA)

Thank you for your detailed response dated [ XX/XX/XXXX ]. I appreciate the time and effort taken to address my concerns. 

I understand from your correspondence that an account, opened on XX/XX/XXXX, has undergone a thorough review, and it has been determined that no fraud occurred. I also acknowledge the information provided regarding the security measures and the timeline of events related to my account. 

However, I still have serious concerns regarding the legitimacy of the charges and the handling of my account. Specifically : 1. Security Verification : While I recognize that a security code was sent to the phone number on file, I did not receive or authorize such communications. I request further investigation into how this verification was conducted and any possible vulnerabilities in the process.

2. Account Activity : The activity on the account, including the enrollment in Discovers online account center and the subsequent transactions, does not align with my known activities. I would appreciate a detailed breakdown of these transactions and any associated IP addresses or locations from which they were conducted. 

3. Lawsuit and Collection Efforts : The lawsuit filed on XX/XX/XXXX, and its subsequent dismissal on XX/XX/XXXX, raise questions about the handling of my case. I request all documentation related to this lawsuit and an explanation as to why it was dismissed.

4. Credit Reporting : I understand that my account is reported as disputed to the credit reporting agencies. However, given my ongoing concerns, I request that a detailed explanation of the dispute status be included in the credit report notes. 

Additionally, there are critical pieces of evidence supporting my claim of identity theft that your company seems to be ignoring : Police Report : I have filed a police report stating that my XXXX account was hacked and my XXXX was cloned without my knowledge. The police report also identifies the individual responsible for cloning my phone Voice Recording from XXXX : I have a voice recording from XXXX confirming the unauthorized access to my XXXX account. 

These pieces of evidence clearly demonstrate that I am a victim of identity theft, and the fraudulent activity on my Discover account was conducted without my authorization or knowledge. Continuing to report this account as legitimate despite the provided evidence is a blatant disregard of the facts and is illegal. 

Moreover, while the records may show that the account was opened using my information, this only proves that my information was used, not that I authorized the charges made on the account. 

I request that Discover reconsider its position in light of this evidence and take immediate steps to rectify the situation. This includes removing the fraudulent account from my credit bureau reports and ensuring that my credit history reflects the true nature of this incident. 

Please let me know the next steps in this process and any additional information you may require from my end. I look forward to your prompt response.

Thank you for your attention to this matter.