Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Bank tampered with my account statements and misclassified disputes, causing {$9800.00} in direct harm through fraudulent charges, phantom fees, and illegal account deficits. 
CFPB Complaint Narrative ( Condensed ) Between XXXX and XX/XX/XXXX, Discover Bank engaged in systematic fraud, mishandling disputes, and tampering with my account statements during an active identity theft investigation. 
XX/XX/XXXX : An unauthorized {$810.00} XXXX charge was denied as a previous dispute. 
XX/XX/XXXX : XXXX provisional credit reversals totaling {$99.00} were misclassified as fees instead of dispute items. 
XXXX XXXX : Multiple provisional credits ( {$280.00} in XXXX, {$950.00} in XXXX ) were backdated beyond the XXXX  day limits. 
XXXX XXXX : XXXX XXXX XXXX scheme charged my account weekly, totaling {$4300.00}, with disputes closed in 2 days. 
XX/XX/XXXX : Fraudulent charges of {$840.00} and {$840.00} ( XXXX ) were denied despite Discovers admission of insufficient merchant info. 
XX/XX/XXXX : Discover tampered with statements. The digital PDF shows {$8.00} service charges, while my mailed statement shows {$17.00}, plus a phantom fee of {$420.00}. This proves document manipulation. 

These actions created illegal deficits ( {$190.00} in XXXX, {$410.00} currently ) and total direct consumer harm of {$9800.00}. 

I request : XXXX. Full restitution of {$9800.00} and elimination of all deficits. 
XXXX. Written confirmation that all tampered statements are corrected. 
XXXX. Correction of my credit report. 
XXXX. Oversight to ensure compliance with the Fair Credit Billing Act, XXXX, and Truth in Savings Act. 
DESCRIPTIVE ENTAILS SYSTEMATIC DOCUMENT TAMPERING AND FEDERAL BANKING LAW VIOLATIONS BY DISCOVER BANK TIMELINE OF SYSTEMATIC VIOLATIONS : XX/XX/XXXX : Discover processed unauthorized {$810.00} Enterprise Rent-A-Car charge on XX/XX/XXXX. When I called to dispute this fraudulent charge, Discover representatives falsely claimed it had been previously disputed and resolved despite no prior dispute ever being filed. No rental agreement exists in my name for this date. Discover provided only {$400.00} provisional credit, violating FCBA requirements for full provisional credit on disputed amounts. 
XX/XX/XXXX : On XX/XX/XXXX, Discover reversed {$92.00} in provisional credits without required XXXX advance written notice, violating XXXX C.F.R. XXXX ( c ) ( XXXX ). Recent document analysis reveals Discover reclassified these provisional credit reversals as generic fees to hide them from federal dispute tracking requirements. 
XX/XX/XXXX : On XX/XX/XXXX, Discover processed XXXX provisional credits totaling {$280.00} all on the same day, but with effective dates spanning XX/XX/XXXX through XX/XX/XXXX - a XXXX range. This systematic backdating violates XXXX XXXX provisional credit requirements by XXXX days, indicating deliberate timeline manipulation to conceal regulatory violations. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Starting XX/XX/XXXX, systematic identity theft began with $ XXXX XXXX XXXX charge, followed by perfect weekly pattern of {$420.00} charges every 7 days ( XX/XX/XXXX, XXXX ). XXXX XXXX XXXX fraud : {$4300.00}. Despite obvious fraud pattern and my dispute reports, Discover systematically denied all claims and refused proper investigation. 
XX/XX/XXXX - MERCHANT VERIFICATION FAILURE : On XX/XX/XXXX, I reported {$840.00} fraudulent charge. Discover representatives admitted they had insufficient information about the merchant, including no merchant name, address, or contact information available. Despite this admission that the merchant could not be verified, Discover denied my fraud claim, violating federal banking regulations that require fraudulent determination when merchants can not be identified. 
XX/XX/XXXX - CONTINUED BACKDATING : XXXX XXXX XXXX XXXX Discover processed XXXX provisional credits totaling {$950.00}, all on same dates but with effective dates spanning XX/XX/XXXX through XX/XX/XXXX - another XXXX backdating scheme violating federal timeline requirements. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Comparative analysis of my XX/XX/XXXX statements reveals systematic document tampering. The digital PDF statement shows service charges of - {$8.00}, while the physical mailed statement shows service charges of - {$17.00}. This {$8.00} discrepancy proves Discover systematically reduces service charges in digital statements while maintaining accurate amounts in mailed statements, constituting document fraud to deceive consumers and regulators. 
IDENTITY THEFT ACKNOWLEDGMENT WHILE PROCESSING FRAUD : Throughout this period, Discovers statements contained disclaimers stating Ending Balance is not owed by the customer during our investigation when a claim is made and properly documented under applicable state law alleging identity theft or coerced debt. Despite acknowledging identity theft investigation, Discover continued processing obvious fraudulent transactions and denying legitimate dispute claims. 
CURRENT STATUS : My account shows illegal deficit of - {$410.00} created through improper provisional credit reversals. Discover continues refusing to resolve {$9800.00} in documented fraudulent transactions and systematic procedural violations. 
FEDERAL LAW VIOLATIONS : Fair Credit Billing Act : Systematic timeline violations and improper dispute denials Electronic Fund Transfer Act : Provisional credit manipulation and notice failures Truth in Savings Act : Document tampering and inconsistent fee disclosure Consumer Financial Protection Act : Unfair, deceptive, and abusive practices ACTIONS TAKEN : Filed police reports for identity theft, contacted Discover multiple times with reference numbers, documented all violations with statements and correspondence, demanded compliance with federal consumer protection laws. 
RELIEF REQUESTED : Complete account restoration ( {$9800.00} ), cessation of document tampering practices, federal investigation of systematic violations, institutional compliance with consumer protection laws, and restitution for all documented harm including statutory damages under federal law. 
This represents systematic institutional fraud requiring immediate CFPB enforcement action to protect consumers and preserve banking system integrity.

Company response to consumer: Closed with monetary relief