Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
Summary of Complaint On XX/XX/year>, I lost my Discover card during international travel at XXXX XXXX, which caused unauthorized charges of {$16000.00} starting XX/XX/year>. I reported the fraud in early XXXX, well within the Fair Credit Billing Act ( FCBA ) timeframe. Discover repeatedly denied my legitimate claim based on unsubstantiated reasons ( including an erroneous I-94 reference ), ignored evidence, failed to provide required written explanations, and improperly threatened credit reporting causing a distressing XXXX ordeal.

Timeline of Events and Procedural Failures XXXX XX/XX/year> : Reported fraud within days of noticing charges. Discover issued provisional credit. 

XX/XX/year> : Discover reversed the provisional credit and denied the claim, citing a vague " social media engine '' placing me at the transaction location, which I disputed as I was abroad. They requested travel proof ; I sent passport photos with stamped pages and a XXXX XXXX letter via certified mail ( Discover doesnt accept email ). 

XX/XX/year> : Received a letter denying the claim, stating " no fraud has occurred on your account '' without explanation, violating FCBA transparency rules. 

XX/XX/year> : Called ; Discover re-denied the claim, citing 2 reasons ( 1 ) past fraud claims, deemed " highly suspicious '' but irrelevant under FCBA, and ( 2 ) no I-94 travel records, but inapplicable to U.S. citizens . 
About XXXX hour later, I called back, clarified XXXX irrelevance, and they reopened the case but then started to question my timely reporting, asked how I lost the card, and " highly suggested '' a police report ( first raised after XXXX  months ). A supervisor was denied due to " XXXX  staffing. '' They refused provisional credit or payment extension, causing a missed ~ {$300.00} minimum payment on XXXX and a {$760.00} minimum payment due on XX/XX/year>, violating FCBA. 

XX/XX/year> : Followed up ; no progress. Requests for relief ( provisional credit or payment extension ) were denied after multiple transfers, with pressure to pay disputed amounts. 

XX/XX/year> : A representative claimed denial, but a supervisor clarified the case is still open, escalated to " higher-ups '' and " out of our hands ''. No relief was offered ; they warned a XXXX-day delinquency would be reported if the {$760.00} payment is unpaid, despite the active dispute, violating FCBA.

Discover 's FCBA Violations and Unjust Actions Baseless Denials : Cited inconsistent, illogical reasons ( " social media engine, '' XXXX records, past frauds ). 

Ignoring Evidence : Disregarded passport and XXXX XXXX letter proving I am abroad. 

Lack of Transparency : XX/XX/XXXX letter lacked required explanation. 

Misconduct in Communication : Questioned integrity, shifted burden ( e.g. XXXX delayed police report suggestion ), and failed to accommodate overseas communication ( insisted on U.S. number ).

Improper Credit Reporting Threats : Threatening XXXX delinquency on disputed charges violates FCBA. 

Harm Caused by Discover 's Actions : Discover 's delays, denials, and uncooperative conduct caused significant emotional distress, exacerbating my diagnosed general XXXX  disorder. The denial and threat of negative credit reporting risk financial and credit harm.

The dates in this complaint are based on the best recollection of events. Some dates may have minor discrepancies due to the timeframe and stress. The account 's substance is accurate and supported by the documentation.

Company response to consumer: Closed with explanation