Consumer complaint received 2025-02-07 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Fraudulent Charges on Credit Card Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint regarding fraudulent charges on my credit card. Below are the details of my complaint : Credit Card Issuer : Discover Bank Credit Card Number ( Last XXXX Digits Only ) : XXXX Date ( s ) of Fraudulent Charges : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Total Amount of Unauthorized Charges : XXXX Description of Fraudulent Charges : XXXX There are charges on my credit card that I did not make, and I believe my rights as a consumer are being violated. I first noticed these fraudulent transactions on XX/XX/XXXX and immediately contacted my credit card issuer on XX/XX/XXXX. I followed their dispute process and provided all required documentation. Despite my efforts, my credit card issuer has failed to properly resolve the issue. After months and months of multiple phone calls asking me to send in additional documentation, or stating that I needed to send it to a different number, my claim was finally denied in XX/XX/XXXX I am requesting that the CFPB intervene to ensure that : The fraudulent charges are properly investigated. 
Any unauthorized charges are removed from my account. 
My credit card issuer complies with applicable consumer protection laws, including but not limited to : The Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 et seq. ), which mandates that creditors investigate and correct billing errors, including fraudulent charges, within a timely manner. 
The Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. 1693 et seq. ), which limits consumer liability for unauthorized electronic fund transfers and requires financial institutions to provide prompt resolution to disputes.

The Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ), which ensures fair and transparent credit billing practices, including clear disclosure of dispute rights. 
Regulation Z ( 12 C.F.R. Part 1026 ), which implements the FCBA and outlines specific timelines and procedures creditors must follow when handling billing disputes.

Regulation E ( 12 C.F.R. Part 1005 ), which implements the EFTA and protects consumers from unauthorized electronic fund transfers while requiring prompt fraud resolution. 
I have attached copies of all relevant documents, including my dispute correspondence with my credit card issuer, statements highlighting the fraudulent transactions, and the police report number ( for the first one ) and the actual police report specifically listing my Discover credit card ( which the credit card company requested ) for the second.

Please let me know if you require any additional information. I appreciate your assistance in resolving this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation