Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: CA

Complaint narrative:
REBUTTAL & EVIDENCE PACKET Submitted to : Office of the Comptroller of the Currency ( OCC ) XXXX XXXX XXXX XXXXXXXX, TX XXXX Consumer Financial Protection Bureau ( CFPB ) Via CFPB Complaint Portal Submitted by : XXXX XXXX Case No : XXXX This rebuttal and evidence packet is being provided to both the OCC and CFPB in connection with my fraud complaint against Discover Bank. It contains supporting documentation and exhibits that reutale added is in ofic the serie al rete wed is key issues. respectfuly request that this Documentation/ Exhibits : 1. OCC Acknowledgement Letter 2. CFPB Case Submission 3. Wire Transfer Documentation 4. IC3 Complaint Submission 5. Police Report 6. Additional supporting evidence REBUTTAL & EVIDENCE PACKET Submitted to : Office of the Comptroller of the Currency ( OCC ) Customer Assistance Group Case Number : XXXX Email : XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau ( CFPB ) Via CFPB Complaint Portal Submitted by : XXXX XXXX Evidence Included : 1. Rebuttal letter addressing Discover Banks XX/XX/2025 response. 
2. Copy of Discover Banks written response via OCC/CFPB.

3. Copies of wire transfer receipts to XXXX XXXX and XXXXXXXX XXXX in XXXX. 
4. IC3 complaint confirmation and police report ( No. XXXX ). 
5. Documentation of my vulnerability as a consumer ( medical and trauma history affecting judgment and vision ).

6. Relevant OCC guidance excerpts on vulnerable consumers and elder financial exploitation. 7. Previous correspondence with Discover Bank showing repeated attempts to report fraud. Rewrite this one too Re : Rebuttal to Discover Bank 's Response- OC
C Case No. XXXX To Whom It May Concern, I am submitting this rebuttal in response to Discover Bank 's written statement dated XX/XX/2025 regarding my fraud complaint. Discover Bank claims that the wire transfers in question were " authorized '' because I completed authentication steps. However, my authorization was obtained through a sophisticated scam involving coercion, deception, and exploitation of my vulnerabilities. Under OCC guidance and federal consumer protection principles, consent obtained through fraud is not valid authorization. The bank ignored multiple red flags : - Eight large international wire transfers to XXXX within a short period. - First-time recipients with no prior transaction history. - Unusual amounts inconsistent with my typical banking activity. - My vulnerable status due to trauma history, impaired vision, and emotional distress. Even if Regulation E does not apply, banks have a duty under OCC and CFPB guidance to investigate scams, especially when a vulnerable consumer is targeted.

Discover Bank 's own Deposit Account Agreement and industry standards encourage fraud detection when transactions are abnormal and high-risk. I reported concerns to Discover Bank, yet they processed transactions without adequate warnings or intervention. The bank 's refusal to release call recordings to me also hinders my ability to defend my case; such recordings should be reviewed by regulators to assess whether the bank met its duty of care. I respectfully request : 1. That the OCC and CFPB require Discover Bank to produce the call recordings and internal fraud investigation notes for independent review. 2. That regulators evaluate whether the bank 's security procedures met the standard of care for detecting scams targeting vulnerable consumers. 3. That my case remain open until a thorough, independent review of Discover Bank 's actions is completed. Attached are supporting documents including medical and trauma history, police and IC3 reports, and correspondence with the bank. Thank you for your continued review. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation