Consumer complaint received 2024-12-09 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:
I have been trying to work with my credit card company, Discover, in regards to XXXX and financial exploitation. Per the credit card company itself, including the special fraud division, and the executive office, they stated themselves that there were only two transactions that went to my wifes email and my wifes phone number to be verified as she had already lost control of both due to sim swapping. They even stated in the attached letter that transaction details matched the authorized buyer, but only validating a name, in which my widowed sister-in-law has the same name, her email address, and her address that you can XXXX anywhere since all of her information is on the XXXX market. This company seemed to base all of their information on nothing but a couple of fraudulent phone calls, and no actual documentation or paperwork that I have requested from them personally numerous times. They stated that they are leaving my account as disputed until I tell them to stop reporting it to the credit bureaus as disputed. I am the card holder on this account. I cant get a single individual to listen to me in regards to the fact that my wife is just an authorized user, and the validity of their denial to even look at any of my fraud case is beyond irritating. They keep quoting things in regards to my wife, but there isnt a simple statement in their letter or any conversation where they even have my phone number or my email address anymore on my own account. This isnt even legal. My wife isnt responsible for this bill. I am the one financially and legally responsible for this bill, so I am the one that wouldve had to have verified every single purchase, and discover themselves stated in writing that this never happened. Someone please explain to me how this is just dismissed and Im supposed to accept that when my wife is working with the Department of Homeland Security in regards to her own fraud case. They have screwed up my credit, put illegal charges on my card, sent me a letter in regards to verified and recorded XXXX XXXX accounts and phone numbers under my wifes name, and then told me that theyre not going to work with me. What am I supposed to do with a company like this? What does my wife have to do with my Discover card? What do fraudulent charges that went to my wifes email that was closed back in 2022, or my wifes cell phone number that was changed last year when XXXX kicked her off the account because they couldnt control her phone number from being swapped have anything to do with my Discover credit card? I cant believe this woman, or the CEO of this company or anyone else at the executive office even sent me this letter. Every one of this company is fully aware that my wife is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and has to take recordings if Im not available to speak, just so she can remember specific details. The CEO needs to give me a call before they sell off to XXXX XXXX. I have a great relationship with XXXX XXXXXXXX, so I dont need XXXX XXXXXXXX cleaning up this XXXX mess, or some other agent named XXXX XXXX XXXX, None of which who has ever called and spoken to me, but have no problem telling the world that they called the two individuals that has verified fraud on my card without my authorization.

Company response to consumer: Closed with explanation