Consumer complaint received 2015-10-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (HI)

This complaint is instructed by the local police department 's prosecuting attorney to address the meritless and slanderous accusations of Discover Financial Services , Inc regarding the Fraudulent Usage of Credit Card belonging to me and my husband. On XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX in 2015, more than XXXX fraudulent charges were made using us discover card. There were three types of fraudulent attempts : 1 ) Successful charges 2 ) Declined Charges 3 ) Pending Charges. Of those charges, there were XXXX successful charges made on XXXX XXXX in the amount of {$5100.00}, XXXX XXXX in the amount of {$4800.00}, and XXXX XXXX in the amount of {$2600.00} of which all were made to an online merchant called XXXX, a precious metal company. There were also XXXX declined charges made. On XXXX XXXX in the amount of {$3900.00} were made with XXXX and on XXXX XXXX in the amount of {$1300.00} were made with XXXX, an online electronics merchant. Also, other pending charges were also observed in Discover.com 's online banking system when the fraudulent usages were reported on XXXX XXXX, 2015. Discover claims that they are unable to retrieve such records as they do not keep records for more than 60 days. Discover through their investigation efforts claims that my husband is responsible for the XXXX successful charges made. Their assumption is based on several conditions : they claim 1 ) The items purchased were gold bars and it was shipped to our home address. 2 ) My husband signed for the packages. 3 ) The IP address used to purchase this was from our home. 4 ) My husband 's personal information is impossible to be obtained. In XXXX, Discover had forced us to pay for the XXXX charges and they reversed the charges shortly after. However, they held on to the {$12000.00} for about 4 weeks before refunding it back to account on XXXX XXXX. Discover asked us to file a police report in XXXX. We contacted the police and was told that the final victim is Discover or merchant, thus they need to file the police report and we can be witnesses. Shortly after, we received a letter in the mail stating that the case is closed. Not until late XXXX, we heard from Discover in the form of a voice mail and then we learned that they had reversed the charges that held us responsible for the charges. My husband made multiple attempts on behalf of us and was responded with rude and evasive customer service from Discover 's fraud investigative team. The lead investigator in charge is XXXX XXXX in the XXXX department that played a major role of accusing my husband as the perpetrator of those XXXX charges. XXXX has been evasive and untruthful in the representation of facts that were presented to her by the merchant XXXX. In a telephone call made by the police department detective after we had file the police report with the local station, Discover fraud department claims that the XXXX provided the IP addresses XXXX and XXXX to them and Discover claims that it belonged to us. IT DOES NOT BELONG TO US as it surprisingly belongs to someone in XXXX, AZ. We had attempted to ask Discover for the information of the declined charges and pending charges but Discover repeated claims they have no records of those and would only focus solely on the charges that Discover and/or the merchant is financially responsible for. In addition, we had asked the merchant for information but the merchant cites ongoing investigation and refuses to provide information to us as well. Moreover, nobody in the household had signed for the packages sent to our house but Discover claims that my husband had signed for the packages without merit or irrefutable proof. The most ridicule reasoning provided by XXXX is that she claims that my husband 's information can not be found anywhere thus it had to be him who ordered these items without any supporting evidences.