Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
Hi, I filed an identity theft report with FTC in XX/XX/XXXX. There were unauthorized charges on my account from the app whatnot. I contacted whatnot and disputed charges that I was aware of at that time. 
Most of those were resolved quickly after investigation. 
I was diagnosed with XXXX XX/XX/XXXX. 
Fast forward to last week XX/XX/XXXX. I received a letter from XXXX XXXX XXXX representing Discover Card. 
The letter states that Discover Bank has authorized them to accept a reduced amount etc. 
I contacted Discover and provided the information. Told them there was a FTC report filed for identity theft in XX/XX/XXXX. I asked for information regarding the account because I dont have access to any account information. I asked if the reduced amount was from what they determined was unauthorized charges? I also asked for information regarding disputed charges the fraud investigation. I was told the account needed to be transferred to a case manager because of the information I provided regarding the XXXX XXXX  and the FTC information. Those calls were recorded, and I have transcripts of them too. Today I called and spoke with a case manager named XXXX. I notified her of the information regarding the FTC information from XXXX and how Ive not heard anything back from Discover Card until I got this collection letter from an attorney. I also informed her that I had XXXX in XXXX and many other hospital medical issues. I told her that I found a email from XX/XX/XXXX where a email fraud alert was sent to me to verify a charge. She reviewed that information and told me that there was a response to it via email confirming it was unauthorized so the purchase did not go through. She told me this today XX/XX/XXXX. I asked if she can provide me information related to unauthorized charges in XXXX and she said I would have to request that information through XXXX XXXX XXXXXXXX. I told her she can have XXXX send me that information that I requested because there were unauthorized activity on my accounts and I cant verify if that was my account theyre sending me the letter for. I have no information for the Discover card so I dont know what is or isnt valid. However she makes it seem that no investigation was done in XXXX in XXXX when I filed the FTc report. Not was there any investigation when they sent the email in XXXX of XXXX when a email response said the cause was unauthorized. 
Discover has not put this on my credit report as non of the other card companies have either once they completed their investigations. However Discover has sent this to their attorney to collect a debt for unauthorized charges. XXXX with Discover claims they have no information from XXXX and they dont do anything in XX/XX/XXXX whens email response they claim to receive at XXXX says the charge was unauthorized. She couldnt even tell me if it was a scanned card or if the information was keyed in online. She says that information deletes off once the charge does not go through, or something close to that verbiage. 
This seems like a violation of the Fair Credit Reporting Act ( FCRA ). Failure to properly investigate or correct the errors within 30 days constitutes a violation of the FCRA. I was never contacted after 30 days in XXXX or in XXXX when they say they received the email acknowledging unauthorized activity. 
I would like your help in having Discover Card send me all statements, including any information regarding disputes and investigations. Specifically what theyve done since they were notified in XXXX and in XXXX of XXXX regarding unauthorized charges/activity. XXXX with Discover told me they didnt have any information from XXXX but did have the email and response from XXXX but couldnt send me any information because the account was sent to XXXX XXXX She asked if I would like to be transferred or their contact information. I told her no because they were not the ones I contacted for the unauthorized activity in XXXX and XXXX. I told her this is a violation of FCRA and I would sue Discover if I need to if they dont resolve this. I would be reporting this to your agency as well.

Company response to consumer: Closed with non-monetary relief