Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX Last Four SSN : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Discover Financial Services Failure to Investigate Fraudulent Charges and Inaccurate Credit Reporting To Whom It May Concern, I am submitting this formal complaint against Discover Financial Services regarding inaccurate credit reporting and the failure to properly investigate disputed transactions on a Discover credit card account. Consumer Information Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX Date of Birth : XX/XX/XXXX Last XXXXour of SSN : XXXX Account Information Creditor : Discover Financial Services Account Number : XXXX ( partial account number ) Date Account Opened : XX/XX/XXXX Background of the Dispute In XX/XX/XXXX I opened a Discover credit card account. The only purchases I personally made using this account were four airline tickets totaling approximately {$1100.00}. These purchases were made online and were legitimate transactions. At the time these transactions occurred, I was residing in the XXXX XXXX. Shortly after these purchases, Discover informed me that the account had been closed due to suspected fraudulent activity because the company had attempted to contact me but was unable to reach me while I was traveling abroad. While I acknowledge the airline ticket purchases, additional charges later appeared on the account that I did not authorize. I did not make those purchases, and I have repeatedly explained to Discover that I was living in a different country when many of these transactions allegedly occurred. Despite my disputes, Discover treated all charges as valid and continued reporting the balance. Automatic Payments and Ongoing Disputes Discover continued withdrawing automatic payments from my bank account for several years. I believed those payments were being applied toward the legitimate airline ticket purchases. However, I later discovered that Discover was applying those payments toward a balance that included charges I did not authorize. After realizing this, I disputed the charges with Discover directly. Discover responded by stating that the charges were valid and refused to correct the account or provide documentation proving that the disputed transactions were authorized. Because Discover continued withdrawing funds from my account while refusing to resolve the dispute, I eventually had to instruct my bank to stop the automatic withdrawals. Credit Reporting Issues Discover is currently reporting this account as a charged-off account on my credit report with a balance of approximately {$2600.00}. This information is inaccurate and continues to damage my credit profile. I have already disputed this account with the credit reporting agencies. The dispute investigation has been completed, yet Discover continues to verify the account as accurate without providing documentation verifying the disputed transactions. Applicable Law Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( b ) requires that when a furnisher of credit information receives notice of a dispute, it must conduct a reasonable investigation and review all relevant information provided by the consumer. 15 U.S.C. 1681i ( a ) requires consumer reporting agencies to ensure the maximum possible accuracy of information contained in consumer reports. Additionally, under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, consumers have the right to dispute billing errors, including unauthorized charges. In this case, Discover has repeatedly verified the account as accurate without providing documentation demonstrating that the disputed charges were authorized, despite the fact that the account was initially closed due to suspected fraud and despite the fact that I was residing outside the United States during the time the alleged transactions occurred. Request for Resolution Because I was living outside the United States when many of these transactions allegedly occurred and because Discover itself initially closed the account due to suspected fraud, I respectfully request that Discover be required to provide the following : 1. A complete transaction history for the account including merchant names, locations, and dates. 2. Documentation demonstrating authorization for each disputed transaction. 3. The results of any fraud investigation conducted by Discover. 4. The documentation Discover relied upon when verifying the account to the credit reporting agencies. 5. A full accounting of all payments withdrawn from my bank account. If Discover can not provide documentation verifying the disputed charges, I request that the inaccurate information be corrected or removed from my credit report in accordance with the Fair Credit Reporting Act. This matter has been disputed for several years without resolution, and I am requesting the assistance of the Consumer Financial Protection Bureau to ensure that a proper investigation is conducted. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation