Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: DISCOVER BANK
State: TX

Complaint narrative:
On or Around XXXX Discover Bank ( Discover Financial Services ) Opened a Cashback debit card account in my name without my consent or permission. This is considered a checking account. I was not aware the account 's were opened until month 's later. I never received a debit card from the accounts. I did not fill out any account applications, online or in person. I never signed any account applications. I never received any account opening documentation or terms and conditions of said account. I never registered for any online banking with Discover Bank either. I did not receive any benefits from the said account. I advised Discover of this and even after I filed a police report with the XXXX Police Department. Advising of Discover Bank opening 3 Fraudulent accounts in my name. Discover Bank DID Nothing to investigate nor resolve the issue. I received three letters letting me know a few month 's later that the savings accounts, ending in XXXX were closed as Identity Fraud. It also states in the letter I am not responsible for the balance on these accounts, and that they have notified the credit bureaus to remove these accounts from my credit files. As these accounts were opened without my knowledge or consent. I contacted my old employer at the time these accounts were opened to ask what happened to my paychecks and why I never received them. I was told from the XXXX XXXX XXXX XXXX XXXX XXXX that someone had misdirected my direct deposits to Discover Bank. Some how. They said this was fraudulently done and someone breached my account to put in their bank account information. Discover Bank received these deposits and paid them out to this identity thief. In Account Ending XXXX without my consent or permission. Since the employer already paid Discover Bank and since I did not open the bank account ending in XXXX nor receive any documentation or any debit cards or apply for this account. My Employer has advised to contact Discover Bank and advise that Discover Bank needs to return the deposits to me that I am rightfully entitled to. That Discover Bank accepted and STOLE. On an Account that was opened without my knowledge or consent. XXXX. XXXX - Account Checking Cash back debit. 
Per Regulation E and the EFT Act I am not responsible for Misdirected payments, and the Receiving Institution whom accepted the Deposits is responsible for Refunding and Recovering the Misdirected Payments as a result of Fraud. I am a victim in this instance. I do not have any control over what Discover has done. I corrected it with my employer at this time, but Discover already received my payments and I am requesting a full refund of these Deposits that Discover was not entitled to. That they issued into the Fraudulent Bank account that they opened as a result of Identity Theft. These went into both account ending XXXX and XXXX none of which I authorized. These are Misdirected Deposits that I did not authorize ANYONE at anytime to receive. Discover accepted these deposits without my consent and Discover is liable for fraudulently misdirected payments. 

Account ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation