Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have been a victim of identity theft, and come to learn that multiple credit cards ( as well as my own, only credit card ) has been used fraudulently by an " ex '' partner living in another state, who came across this information through XXXX XXXX  after putting me in the hospital in summer XXXX XXXX XXXX XXXX I have learned that fraudulent XXXX, XXXX XXXX, and Discover cards were opened in my name by this individual that I now have an XXXX XXXX XXXX XXXX XXXX against, and am currently in XXXX XXXX against including all degrees of Identity Theft and multiple degrees of XXXX XXXX XXXX  This has additionally been reported to police prestincts in both XXXX XXXX XXXX. I have frozen my credit and placed fraud alerts. All other credit cards were found fraudulent and XXXX  XXXX XXXX now has XXXX claims of fraud due to this individual. I contacted Discover initially in the winter, and they have conducted XXXX fraud investigations, all XXXX of which they claimed they found no fraud. I contacted them over the phone repeatedly, let them know the situation of identity theft and requested said documents as well as let them know I was recording them for the likely impending court case, and was informed that verbatim, " if the fraudulent application contained legitimate information, then the application is legitimate. '' When I told the woman over the phone who refused to identify herself that this didn't make sense for the results of a fraud investigation into identity theft, she said she would transfer me to the team in charge of the investigation who only asked, " what color card would I like? '' I was never sent a card, given login information, given chargeback information, and even upon telling them I did not apply and to " cease and desist all calls '', I have continued to receive a minimum of XXXX calls a day from Discover Financial from various phone numbers everyday, sometimes before XXXX and after XXXX. I have double-checked with XXXX Payments XXXX something that was illegally created by " ex '' individual in my name, as well as run XXXX Takeout for my full XXXX history , and it appears he not only created XXXX XXXX  XXXX added Discover ( among other cards and the XXXX  address associated with all fraudulent cards ) to XXXX XXXX  XXXX but was using it fraudulently to gain access to my XXXX account/run multiple fraud transactions. When contacting all major credit bureaus for my credit reports, I noticed that all additionally reported this individual 's XXXX  address as well as his XXXX  XXXX cell phone number, whereas I have only ever had a XXXX XXXX  number, and promptly stated that these were not to be associated with me. Upon stating this to XXXX, they reported to the Credit Bureau that the fraudulent XXXX  address and fraudulent XXXX  XXXX cell phone number of this individual should be removed, and I received multiple letters addressed from both XXXX XXXX XXXX  and then Discover that they would remove my name/this line of credit. XXXX  sent me an updated credit report stating Discover was removed for this reason as did XXXX XXXX XXXX Strangely, even though Discover sent multiple letters saying they removed my name and this number card line of credit, they began sending letters for XXXX new DIFFERENT cards, saying that these had never been paid and were overdue, and upon calling stated that they had simply moved the balance of the fraudulent card to my own card. I did not know that this was legal to do, or that I am liable to pay the fraudulent balance of the fraudulent card simply because they say I am responsible for someone stealing my personal information. I have no idea what the second " joint '' card is as no one will explain it to me. I am yet to receive any card, any chargeback information, any login information, or anything substantial regarding these multiple Discover cards and accounts that have been opened and used in my name. Even when I answer the calls, I am hung up on and I never receive messages. I do not know what Discover wants other than to harass me as I have no way to pay them and they are obviously not even giving me that option. It seems the only option is to continue with my legal fight with the individual who fraudulently opened the Discover cards, continue reporting Discover to every Credit Bureau and on every Credit Report, and continue reporting Discover on here, to Consumer Finance. I have reported this to my attornies and will be taking legal action against Discover if they do not desist.

Company response to consumer: Closed with explanation