Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
My wife and I replied to Discover years ago. My wife found this email. Discover is trying to double collect on a charge off. This is why they won't send statements. They claimed that we paid our account in full every month during the identity theft while my wife had XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Below is something I approved her to send with her medical records. Discover issued provisional credits. They owed us money and didn't want to pay, but Discover 's executive office themselves put it in writing that our ACH 's paid our account in full throughout the identity theft. So they got paid in full. Recharged me AGAIN after they had been paid, and then charged it off. That is triple collecting in their own words. Whether they ever pay us pack. We paid them. Their insurance paid them, and they are trying to collect from me again. They are crooks! This would be Discover getting paid {$45000.00} on a {$14000.00} fraudulent bill. 
Here was their statement and my wife 's reply along with mine because she had her own account and I had XXXX. 

So yes, I suppose my husband and I did make payments, because they were set up on auto draft, because our XXXX XXXX of over XXXX Both of us, so I know that my husband can take care of my son when XXXX gone. But your company is using that against me and then stating that you are not discriminating against me, I would love your explanation in regards to that, since you and I have personally discussed that topic in itself Along with the rest of your departments that Discover. I did not include my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but if it helps in regards to this case, I will gladly attach it to along with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX in XXXX of this year. However, theres still a XXXX in there, but its on a watch and wait because its still surrounded by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. So yes, we are guilty of making sure that our bills were paid. We apologize that we dont have a perfect lifXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instead, we auto paid through years oXXXX XXXX XXXX XXXX XXXX as discover has quickly destroyed our credit, and you decided to send us a snarky letter stating that youre not discriminating against us at all. Our statement still stands. You are not only unprofessional, but your company, or your department is unethical in its practices. Our credit scores are to XXXX XXXX that XXXX not sure how we will ever recover with what your company has done because youre upset that we pay our bill every month. 

You stated according to your records, I contacted the XXXX XXXX XXXX department on XX/XX/XXXX. That statement is incorrect. The first date we contacted Discover in regards to fraud was XX/XX/XXXX. That is when our first Discover card was closed. The second date we contacted Discover was XX/XX/XXXX. That was when our second card was closed. Then it continued over and over and over again. XXXX different Discover cards, because Discover has been working the same fraud case since the beginning of XXXX. Some cards were never closed. We would report them lost or stolen, and Discover would leave them open in digital wallet that didnt belong to us that we never knew existed Unless we would ask the right questions, or dug through all of the details because Discover never supply a single piece of paper or asked a single question.

Company response to consumer: Closed with explanation