Consumer complaint received 2024-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (FL)

My spouse and I have a joint checking account with Discover Bank. On or about XX/XX/2024, approximately XXXX fraudulent debit card transactioner were made to XXXX XXXX without my spouse or I 's authorization, knowledge, or permission. The same day the transactions went pending on our account, we immediately contacted Discover Bank and notified them of the charges and initiated a dispute. The Discover representative advised they froze the debit card and would be issuing a new card. The following day another approximately XXXX fraudulent charges to XXXX XXXX were made without my spouse or I 's authorization, knowledge, or permission. We again on the same day the charges went pending immediately contacted Discover Bank and advised them of such. Discover representative advised the initial dispute ( put in the day previously ) never went through and that the debit card had not been frozen as advised the day previously. We then initiated another dispute for the original and additional transactions. There were XXXX fraudulent transactions made that either happened on the XXXX or XXXX ( from what the Discover Rep told me ) but were input as post debits on our account on XX/XX/XXXX and XX/XX/XXXX. The number of fraudulent transactions made at XXXX XXXX totals approximately XXXX for a total of {$7300.00}. Discover on or about XX/XX/2024 - credited our account for XXXX of the transactions totaling {$2700.00} and gave provisional credits on XXXX of the transactions totaling {$830.00} on XXXX XXXX XXXX XXXX. The total amount credited totals {$3500.00}. Despite giving us credits for XXXX of the transactions and provisional credits for XXXX- to date Discover has refused to credit our account or even provide a provisional credit on the remaining amounts that were fraudulently stolen from our account - total amount outstanding is {$3700.00} Discover has failed to provide any explanation as to why XXXX of the XXXX transactions were fully credited/reimbursed and the others were not. Discover has failed to provide any explanation as to why we received provisional credits on XXXX of the transactions and have not been given any provisional credit for the others. Discover has not requested a documentation of error or any other documentation from us. Discover has failed to explain why they are refusing to reimburse us the remaining funds- the most recent Discover representative ( contacted on XX/XX/2024 ) explained that Discover was still investigating but failed to explain what that even meant, what was being done, or what we could do to help expedite or assist in the investigation. The Discover Representative made sure to make it clear that they were doing me a " courtesy '' by giving me the XXXX provisional credits that they did. I requested to speak with the investigations representative and was told I was unable to do so. 

Discover had enough information to complete its investigation into XXXX of the transactions which it reimbursed the funds completely - these XXXX transaction went pending at or about the same time as the other transactions. All the of the transactions were made within XXXX  days, with same merchant, and were disputed the same day the transactions went pending. Neither my spouse nor I had any involvement in the transactions, nor have we done business with this merchant. Despite thousands of dollars being spent within moments of each other - Discover failed to even notify us of the transactions, failed to block any of the transactions from going through, and failed to flag any of the transactions for us. 

Discover has refused to reimburse us the remaining {$3700.00} that was fraudulently stolen from our checking account and has provided no explanation for its refusal to do so. 

I have attached the XXXX Bank statement showing the transactions. The fraudulent transactions and their amounts are as follows and have all been disputed : {$100.00} {$110.00} {$120.00} {$120.00} {$130.00} {$140.00} {$140.00} {$140.00} {$150.00} {$160.00} {$170.00} {$170.00} {$180.00} {$180.00} {$190.00} {$190.00} {$200.00} {$210.00} {$210.00} {$220.00} {$270.00} {$280.00} {$290.00} {$290.00} {$290.00} {$300.00} {$310.00} {$370.00} {$380.00} {$380.00} {$390.00} {$390.00} The Transaction amounts that have been credited : {$110.00} {$120.00} {$140.00} {$150.00} {$220.00} {$270.00} {$280.00} {$290.00} {$290.00} {$390.00} {$390.00} The transactions we received provisional credits on : {$140.00} {$170.00} {$210.00} {$290.00} Discover failed to protect My wife and I 's money - Discover failed even notify us of even XXXX of the XXXX transactions - and further failed to flag or stop any of the XXXX transactions. Additionally, XXXX of the transactions may never have even happened had Discover properly frozen the card and account as they had advised they had, when we reported the initial fraudulent charges. Discover has chosen to pour salt on the wound by refusing to timely reimburse us without any explanation or basis. If Discover needs anything from us we are wiling and able to assist in any manner needed.