Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
Between XXXX and XX/XX/XXXX, I discovered numerous unauthorized transactions totaling approximately {$2800.00} on my XXXX Discover credit card accounts ( ending in XXXX and XXXX ). These charges were made at restaurants and merchants in Washington XXXX and California that I did not visit, did not authorize, and had no knowledge of. I was not in these locations when the transactions occurred, and I have never done business with these merchants. 
Upon discovering these fraudulent charges, I immediately contacted Discover XXXX fraud department and reported all transactions as unauthorized. I provided all requested information and cooperated fully with their investigation process. Discover opened investigations on both accounts. 
On XX/XX/XXXX and XX/XX/XXXX, I received denial letters from Discover stating only that " no fraud occurred. '' These letters provided absolutely no explanation of the investigation process, no description of evidence reviewed, no methodology used to reach their conclusion, and no specific basis for denying my legitimate fraud claims. The letters were form letters with no substantive information. 
I contacted Discover XXXX fraud investigation department multiple times seeking clarification. During these calls, investigators were hostile, dismissive, and unprofessional. They refused to explain their investigation process or provide any details about how they reached their decision. Most troubling, they told me that I must prove the charges are fraudulentthis directly contradicts federal consumer protection law. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation XXXX  ( XXXX CFR XXXX ), the burden of proof is on the card issuer to demonstrate that charges were authorized, not on the consumer to prove they were unauthorized. 
I specifically requested : ( XXXX ) investigation updates and timeline, ( XXXX ) details of how their decision was made, ( XXXX ) evidence they relied upon to conclude the charges were valid, and ( XXXX ) any documentation such as receipts, signatures, IP addresses, or device authentication data showing I authorized these transactions. Discover refused to provide any of this information despite my repeated requests. 
Discover also failed to issue provisional credits within XXXX business days of my fraud notification as required under Regulation XXXX  ( XXXX CFR XXXX ). Instead, I have been held responsible for these unauthorized charges, and Discover continues to expect payment. Under federal law, my liability for unauthorized credit card use should be {$0.00} since I reported the fraud promptly before Discover suffered any loss.

I have been a Discover cardholder in good standing for years and have never had issues like this before. Discover XXXX handling of my fraud claims has been fundamentally deficient and appears designed to deny legitimate claims without proper investigation. Their conduct appears to violate : Fair Credit Billing Act ( 15 U.S.C. 1666 ) requirements for dispute resolution Regulation Z ( XXXX CFR XXXX ) requirements for unauthorized use liability limits Regulation XXXX  requirements for provisional credits during investigations Regulation XXXX  requirements for written explanation of investigation findings Basic consumer protection standards and fair dealing principles Note : Discover Financial Services was acquired by XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX now bears responsibility for Discover XXXX consumer protection practices and regulatory compliance.

Company response to consumer: Closed with explanation