Consumer complaint received 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/2023, Discover Bank opened a Checking and Saving 's account fraudulently in my name. Discover Bank then proceeded to send out Debit Cards to other peoples addresses. I never once received a debit card from Discover, I did not receive any account opening documents, and I did not enroll an online profile. Discover Bank did not receive my consent never once. Discover Bank openly admitted that they charged several charges to these account 's. Discover Bank proceeded to open a Money Market account on XX/XX/2023. Again not my account, I have not given Discover my Permission to open said account 's. Discover Bank Charged XXXX to the account ending in XXXX and over XXXX to the account ending in XXXX. None of these charges were authorized, and When I called Discover Bank 20-30 Time regarding the identity theft Discover Bank refused to assist. Discover Bank also reported to XXXX that I conducted Suspicious activity. This is false accusations against me and defamatory. Discover Bank proceedingly wrote a letter to me in the mail stating that the account 's instead of closing them as Identity Theft, and Proceedingly a couple of years ago they opened two credit cards fraudulently as well, Instead of Closing the Account 's as Identity Theft Discover Bank suspended the account 's they then told me I responded to their Text Verification, and I never received any Text from Discover. When I asked for Documentation proof, Discover Refused to send any documentation. Discover has not properly investigated anything. Since my last complaint Discover Restricted the account 's they lied TO XXXX Instead of Allowing me to Deactivate the profile online with Discover the XXXX profile was Terminated and they reported to XXXX there was suspicious fraudulent activity. I have never once had Suspicious activity in my life. Nor have I ever Disputed XXXX charges, I have never reported XXXX Charges fraudulently either. Yet Discover Bank continues to XXXX consumers. False Accusations and Lack of investigation. Discover Bank needs to Deactivate the XXXX XXXX, and Correct their FALSE reporting to XXXX. They are lying about me and XXXX put me on a global restricted listed BECAUSE OF DISCOVERS FALSE ACCUSATIONS AND FALSE REPORTS ABOUT ME. Discover Conducted the Fraud, Discover allowed the accounts to be opened without my consent, Without my Signature. I did not Receive any Statement 's and I did not receive any Debit Cards. I did not speak to Discover about any Disputes. Discover Bank again Authorized all Charges on these account 's never sent me a debit card, and continually slanders me to other instituions. Which is unacceptable. I will dispute these account 's with XXXX XXXX XXXX. I do not Owe Discover Bank a XXXX. I will not pay for Identity Theft Fraudulent Transactions, and I will happily take this to legal matters. I want Discover Bank to Cease and Decist and I want Discover bank by law to Deactivate the fraudulent online banking profile, and remove the false reporting to XXXX they reported.

Company response to consumer: Closed with explanation