There are a lot of different ways you can fall victim to fraud. If you have a Discover account and have noticed charges you are sure that neither you nor any other authorized user of your account made, you should make a fraud report to Discover right away. Reporting fraud is very easy to do by phone and may require mailing documents to Discover.
There are, unfortunately, multiple ways you could fall victim to fraud. Someone could steal your Discover card. Your computer could become infected with spyware that captures your personal information, allowing scammers to steal your identity. Skimmers installed at local card readers and ATMs could steal your PIN. The only way you're likely to know that you are a victim of fraud is if you notice fraudulent charges appearing on your account. If you do see fraudulent charges, you need to take immediate action.
If anyone else has access to your account, like a spouse or child, you should first check whether they made the charges. You could go through a lot of pointless hassle if you report fraud when they made the charges.
The first thing to do is call Discover to report the fraud. You should have the numbers and dates of the fraudulent transactions and the names of the merchants involved. Tell the customer service representative that you want to report fraud, and follow any instructions they give.
You should also consider freezing your account until the source of the problem can be determined to prevent any further fraudulent charges from being made. If your Discover card was lost or stolen, you should cancel the card and ask for a replacement.
Discover will need to conduct an investigation. If you have any documents that you think will help you prove your allegations and get the charges removed from your account, you will need to mail them to Discover at the following address:
Discover
P.O. Box 30945
Salt Lake City, UT 84130-0945
If you fear the fraud results from identity theft, you should contact the major credit bureaus to put a fraud alert on your credit reports. A fraud alert will mean no one can open a new account in your name without verifying their identity. You should also file a police report about the fraud.
You can get ahold of a Discover customer service representative by chat, help forum, or phone.
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