Consumer complaint received 2021-06-04 00:00:00
Product: Credit card or prepaid 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: NY

Complaint narrative:
This fraudulent charge happened XX/XX/21 at XXXX of {$1400.00} at XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX MARYLAND XXXX With the name of XXXX XXXX as stated by discover through mobile wallet XXXX XXXX  with my discover card. 

I received a text asking if I made this transaction the day the charge was made and I replied no. I immediately called them and they gave me a new account # and credited me back the amount. They said they would contact me again for further questioning. Assuming that this has been taken care of since they gave me credit I thought I didnt have to worry anymore. 

XX/XX/XXXX, I check my discover card and I see the charge is posted again. So I call them back and they said they tried to contact me with further questioning and left me a voice mail and letter. I told them I never answer unknown calls and my voicemail wasnt set up since I updated my phone and didnt get the messages till I set up my voicemail the day of XX/XX/XXXX when they already closed the case. Plus I just moved into a new apt in XXXX so my mail could of been mixed up. 

I then asked how and who made this charged and what was the reasoning of resolving this case Below are the reasons : -a charge made through mobile XXXX XXXX had to be used with my physical phone and XXXXXXXX XXXX  login to authorize a charge -I didnt follow up within the 60 days ( which I explain above ) I live and work in XXXX when this fraud happened, so why would they resolve this case when they told me an XXXX XXXX made this charge in Maryland. I also have no authorized users on my account nor have anyone permission to use my card or phone with personal information. How can Discover say a man named XXXX XXXX made this purchase in Maryland where I have never visited and still believe I made this transaction when I was in XXXX with my physical phone on me. 

I asked for a written document of the reasons above and they would not give me one without a subpoena. Then asked for a re opening of this case. I sent them screenshot documents of a possible reason that I was hacked through my phone with XXXX  security update of stating that my information may have been compromised on XX/XX/XXXX. I also filed a police report on XX/XX/XXXX which they didnt do much to investigate the fraud since it was in Maryland which wasnt helpful for me. They then sent me an affidavit that I signed agreeing that it was a charge I did not authorize on XX/XX/XXXX. I followed up with phone calls making sure they received this information on XX/XX/XXXX, XXXX, and XX/XX/XXXX which they then told me there still wasnt sufficient evidence in resolving this case and there isnt any more recourse to be done. 

As you can already tell how frustrating this is as this is a clear case of fraud and personal hacking And I tried my best to give them as much info involving the police and any documents. I will now have to file a small claims against Discover to win this case.

Company response to consumer: Closed with monetary relief