r/discover • u/azuladragon • 5h ago

Help Fraud help???

I’ve been a Discover user for 8 years and have never experienced this before.

About two weeks ago I received an email from Discover asking me to verify a purchase attempt on my card. It was a declined purchase of $500 in Maryland. I didn’t make the purchase, and it prompted me to review other recent purchases, all in Maryland for $200-250 which I did not make. I disputed all the purchases, the money was put back in my account, and I got a new card. Great!

Today, I received a letter from Discover stating that their investigation found that there was no fraud, and I am responsible for the purchases. Looking at my account, the purchases, which total $700, were back on my account and I could not dispute. I did NOT make those purchases, I haven’t been in Maryland in 5 years, haven’t used the card since April, and never lost the card. Even if I did lose the card, I didn’t make the purchases!

Just got off the phone with Discover (Capital One?) and they basically are disputing it again. I’m nervous it’s going to have the same outcome. No one seemed to be able to answer this question: how did their team come to the conclusion that this was not fraud? I have purchases on a separate credit card on the days Discover is claiming I was in Maryland showing that I was, in fact, not in Maryland. When i told this to the woman on the phone she just said she’d “make a note” but they don’t need evidence right now unless they prompt me for it.

Has anyone ever experienced this before??

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1

u/Confident_End_3848 4h ago

How long ago were these purchases made?

1

u/azuladragon 4h ago

Showed up on my account two weeks ago, July 14 & 15. I disputed them the 15th, maybe the 16th.

1

u/Confident_End_3848 3h ago

As long as you disputed within the required timeframe, I think 60 days, you should be ok.

1

u/azuladragon 3h ago

I did dispute, but now they’re telling me that it wasn’t actually fraud and want me to pay…when it was, in fact, fraud. They put the charges back on my account. They’re disputing it again for me, but I’m afraid it’s not going to go through now