Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: IL

Complaint narrative:
Formal Complaint Against Discover Card Violations of Federal Consumer Protection Laws Complainant : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Account Ending in : XXXX To Whom It May Concern : This complaint is being filed against Discover Card Services for knowingly and willfully violating multiple federal consumer protection statutes, including but not limited to : The Fair Credit Billing Act ( 15 U.S.C. 1666 ) Regulation Z ( 12 CFR 1026.13 ) The Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) The Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) In XX/XX/year>, I filed a dispute with Discover concerning unauthorized charges initiated via XXXX and requested the immediate removal of an account user associated with that activity. Discover acknowledged the dispute, reversed the charges, and removed the user. 

However, in a retaliatory and unlawful manner, Discover later reinstated the disputed charges and re-added the previously removed user without my authorization or knowledge. 

When I followed up, Discover representatives explicitly stated that no further investigation would be conducted unless I filed a police report a condition that is not required under federal law. This demand represents a direct violation of 15 U.S.C. 1666 and 12 CFR 1026.13, which place the legal obligation for investigation on the creditor, not the consumer. The law does not require a police report to trigger or justify a billing error investigation. 

Additionally, Discover failed to provide any written documentation substantiating their so-called investigation. The act of reinstating previously reversed charges without producing evidence, and re-adding a user without consumer authorization, constitutes gross negligence, reckless handling of my account, and potential willful fraud by way of aiding unauthorized charges. 

I wish to clarify : this complaint directly to Discover 's internal conduct that enabled the re-addition of a removed user and the unlawful reinstatement of charges. I assert that the XXXX charges themselves are fraudulent, and their reimposition without documented justification violates federal protections. 

Discovers Conduct Includes : Failure to conduct a lawful, documented investigation Illegal reinstatement of disputed and reversed charges Unauthorized reactivation of a previously removed user Conditioning resolution on an illegal requirement ( police report ) Retaliatory disconnection over the phone and refusal to escalate I Request the Following Immediate Remedies : Immediate and permanent removal of the XXXX-related charges Immediate removal of the unauthorized re-added user Written findings and records of all Discover investigations Cease and desist any negative reporting or collection activity Attached Supporting Document : Exhibit A Recent billing statement showing the unauthorized reinstated charges Discover must be held accountable for these statutory violations, and I respectfully request that your office pursue enforcement action under federal law. 

Sincerely, XXXX XXXX XXXX XXXX and Legal Rights Holder

Company response to consumer: Closed with explanation