Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: AL

Complaint narrative:
I was scammed and my identity was stolen. My Discover Card was used to purchase gift card in XXXX and XX/XX/XXXX. I never bought these cards, never received them, or saw them. I filed a report with Discover and with the XXXXXXXX XXXX  Police department, case number XXXX, phone number XXXX. The XXXX is XXXX XXXX. 
On the phone discover told me in XX/XX/XXXX that they had investigated and I did not have to pay the money to them. I was contacted by email and a letter that they are reopening the case to determine if I need to pay them back. The charges amount to close to {$8000.00}. I simply dont have the money and can not afford that. I had used my card before that date and old less than {$2000.00} so now my bill is over {$10000.00}. They have turned me into the credit bureau and my credit has decreased almost XXXX Points. I have talked with so many people at Discover through the past months I cant begin to tell you. 
This all began on XX/XX/XXXX. I was contacted by someone representing themselves as XXXX fraud department. I was informed that my identity had been stolen and they were going to help resolve this issue. I am XXXX almost XXXX, a retired school teacher, in a wheelchair, and this has been extremely stressful for me. I have never purchased gift cards online the only gift cards I ever got Were XXXX or {$25.00} for shower gifts and someone would go to XXXX or somewhere to buy them for me. If you look at the record, you will see that I have never bought gift cards before in my life. I never even thought about buying a gift card. These people that pretended to be fraud detectives and pretending to help me out, stole my identity they were able to find out everything about me all my numbers all my passcode all everything that I have. I was told that they did this through.XXXX  XXXX is an app you get from the XXXX XXXX on your phone. Its free and anyone can get it. It looks very official because you have to put in codes. You have to put in the code of the person thats working with you and it all seems and looks very official. I had absolutely no idea that this was a scam. I really dont know for sure what all they said or did but I know that they charged a lot of money to me and took money out of my checking and savings account. I am thoroughly disgusted and sick of this. I have tried so hard, and I have prayed and prayed. 
I never dreamed something like this would ever happen to me. I am very disappointed that discover has treated me like XXXX a criminal. They know good and well I didnt buy thousands of dollars of gift cards. You can check all my records. Ive not bought anything and I dont have any money. Ive never bought stuff like this in my life and XXXX knows its true that I had no idea what was going on. I feel like a fool a complete idiot Im old, but Im not stupid. I really need some help. I dont believe Discover has any intention of helping me. Every time I call them I have to talk to somebody new and go over the same thing over and over and over again this has stressed me out so much that I cant stop crying. I have a stomachache and my hair is coming out because of stress. Please help me Get this resolved so I can just live in peace and watch my grandbabies grow up. I dont want to hurt anybody and I certainly dont want to rob anything from anybody and I swear to you and I will put my hand on the Bible and swear to you I did not do this. Please help.

Company response to consumer: Closed with monetary relief