Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding Discovers mishandling of fraudulent accounts opened in my name and the inaccurate and misleading reporting of these accounts to XXXX. 

In XXXX, a fraudulent account ending in XXXX was opened using my personal information. I promptly called Discover that year to report the fraud. Despite acknowledging that the account was unauthorized, Discover failed to properly close and remove the account. Instead, the account which carried a balance of {$2100.00} with a credit limit of {$2000.00} was reported as a charge-off, rather than being appropriately resolved and removed as a fraudulent case. This incorrect handling has negatively affected my credit for years. 

Now, in XX/XX/XXXX, I have discovered that Discover has reported a new account, listed as opened on XX/XX/XXXX, with a balance of {$1900.00} and a credit limit of {$2000.00} nearly identical to the XXXX fraudulent account. This new account is being reported as " open for XXXX  months '', suggesting it is an entirely new and active account, which I did not authorize, apply for, or open. This was a clear red flag and indicates that either Discover has re-aged the XXXX fraudulent account or allowed a new fraudulent account to be created using my personal information once again. 

I called Discover 's customer service department regarding the XX/XX/XXXX reporting, and was told no recent application was found that would support what is reflected on my XXXX  credit report. However, Discover had documentation of the fraudulent application submitted in XXXX. I was transferred to XXXX fraud department, where the representative acknowledged seeing XXXX separate accounts on my profile. After initiating a dispute on the XXXX account, she submitted it for review, but when asked about the second account the one newly reported in XX/XX/XXXX she stated she could no longer locate it, despite having just confirmed its existence at the beginning of our conversation. 

This troubling pattern of inconsistencies and mishandling raises the following serious concerns : Failure to properly resolve the XXXX fraudulent account ending in XXXX, and incorrect reporting of it as a charge-off ; Inaccurate and misleading re-reporting in XX/XX/XXXX of what appears to be the same fraudulent account as a new and active credit line, again harming my credit ; Contradictory statements and lack of transparency by Discover representatives during both the XXXX and XXXX interactions ; Ongoing and compounding damage to my credit profile due to Discovers failure to adequately protect and correct my personal credit file. 

I am requesting the following actions be taken immediately : A full and formal investigation into both the XXXX and XXXX accounts, including a detailed written report of Discovers findings ; Immediate removal of all fraudulent accounts and derogatory marks from my credit reports with all major credit bureaus ; Written confirmation that there are no open or active accounts in my name with Discover ; A copy of all application records, internal notes, and call logs related to both the XXXX and XXXX accounts, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) ; A commitment that no further inaccurate or unauthorized account reporting will occur in the future. 

This letter constitutes a formal complaint. If this matter is not resolved promptly and to my satisfaction, I intend to escalate it to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other applicable regulatory authorities. 

I expect a written response within 14 business days of this notice.

Company response to consumer: Closed with non-monetary relief