Credit card -- Problem with a purchase shown on your statement -- Complaint #8714205
Complaint Overview
Complaint ID: 8714205
Company: Discover Bank
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Georgia
ZIP Code: 30339
Date Received: 2024-04-06T12:00:00-05:00
Date Sent to Company: 2024-04-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I went to a bar called XXXX XXXX XXXX in XXXX GA on XX/XX/23. My XXXX was swapped with another XXXX without me knowing. The person that swapped my phone was able to get into my phone. I am unsure if they saw me type in my password at some point during the night or if they scanned my face without me knowing regardless they were able to get into it. Once in my phone, the thief was able to use the Discover card I had on file with XXXX XXXX to purchase {$800.00} worth of stuff at a XXXX located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. That morning, when I noticed this, I called Discover to deactivate that card and file a fraud dispute with them. Since then I sent them a police report I filed, an identity theft report I filed, a receipt showing that I purchased a phone the very next day, and articles showing that this a problem XXXX has been dealing with. Discover continues to deny my claim stating that there is no way someone could get into my phone and use my XXXX XXXX because I had face id on the phone. Below I have attached everything I sent into Discover.
Frequently Asked Questions
What is Complaint #8714205 about?
Complaint #8714205 was filed against Discover Bank regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2024-04-06T12:00:00-05:00.
How did Discover Bank respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Discover Bank?
Yes, visit the Discover Bank company profile at readthecomplaint.com/company/discover-bank to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.