Consumer complaint received 2018-09-27
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: Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TX

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX  Notice to Appeal Dispute Date : XX/XX/2018 A recent charge is fraudulently reporting on my account, as of XX/XX/2018. This charge was previously disputed and resolved in my favor. On XX/XX/2018, I froze my account after losing my Discover Card. My card was attached to my cell phone so I opted to freeze it as customer service claimed no charges had recently been made. Days later a fraudlent charge appeared for {$1900.00} and post dated from XX/XX/XXXX. This charge was disputed and Discover ruled in my favor. I was told ( and have saved all communication from chat and emails ) the documentation provided from the other party was not sufficient. This documentation did not meet the burden of proof. On XX/XX/XXXX I received the following email, We've completed our initial investigation of your disputed transaction and have found in your favor. This means we'll reverse the temporary credit on your account and apply a credit adjustment. You will not be charged for this transaction, including any related interest or fees.

For the 5th time, the disputed amount was charged again to my account. XX/XX/XXXX, I received this email, I would like to explain what has happened. Because the transaction was on your previous account when we issued the provisional credit it posted to your previous account that the transaction posted to. We have requested the provisional credit be moved to your new account and should apply within 72 hours. I apologize for any inconvenience we have caused.

After reporting my card stolen and being issued a new account, this retriggered my dispute as a new transfer amount on the new account.

I WILL NOT be paying for a fraudulent charge. I have always paid what I owed. My stellar credit, never having on late fee or collection, all reflect this.

I did not authorize the transaction. My consumer rights were stripped when this became a transfer balance account. I no longer receive email updates and disputing a transfer balance is not possible.

After previously filing a complaint, I received a notification in the mail. Discover claims to have closed my account and would be reissuing a new account number and card. These tasks were completed 4 months prior. My account was closed after my dispute back in XX/XX/XXXX. Yet, this recent correspondence was dated XX/XX/2018. Aside from this odd communication there have been no new changes. Consumers rights are violated when allegations are dismissed without consideration.

The signature provided looks nothing like the signatures used for myself or my wife.

Response recorded for legal purposes.

Please Advise, XXXX XXXX DISPUTE TIMELINE XX/XX/XXXX- XX/XX/XXXX STATEMENT Sat XX/XX/2018 - Fraudulent Charge Made - Although posted to account over a week later. MANUALLY KEYED - XXXX XXXX Merchant name is XXXX XXXX XXXX FL Merchant category is Travel/ Entertainment Charge Amount is {$1900.00} XX/XX/XXXX - Requested a Freeze on Account After Losing Cell Phone With Credit Card Attached At this time, the previous charge did not appear. I was assured when freezing the account that there could be pending amounts but no pending amounts were shown at that time.

Fri XX/XX/2018 - Temporary Credit Issued Merchant name is XXXX XXXX XXXX FL Merchant category is Travel/ Entertainment Credit Amount is {$1900.00} XX/XX/XXXX- XX/XX/XXXX STATEMENT Sat XX/XX/2018 - Original Dispute Date Appears again as a charge on statement. Recorded emails and chat room messages provided.

Apologies were made and Discover assured me the charge would, again, reversed.

Merchant name is XXXX XXXX XXXX FL REVERSAL OF TEMPORARY CREDIT Merchant category is Merchandise Charge Amount is {$1900.00} XX/XX/XXXX - XX/XX/XXXX STATEMENT Sun XX/XX/2018 - Dispute Date Changed - Fraudulent charge reposts as TRANSFER BALANCE Merchant name is TRANSFER BALANCE Merchant category is Payments and Credits Credit Amount is - {$1900.00} XX/XX/XXXX - PRESENT XX/XX/2018 - Dispute Date Change - Fraudulent charge reposts as TRANSFER BALANCE Merchant name is TRANSFER BALANCE Merchant category is Other/ Miscellaneous Amount is {$1900.00} A FRAUDULENT ACCOUNT IS NOT A TRANSFER BALANCE.

Company response to consumer: Closed with explanation