Discover Card Fraudulent Advertising ripoff Internet *EDitor's Suggestions on how to get your money back into your bank account!

Under federal law, Regulation "Z" requires that for any consumer who declares fraudulent activity against their account, the credit company must open and complete a formal investigation into the charge. While the investigation is ongoing, the company must issue a temporary credit for the charge to stop finance charges and fees FOR THAT CHARGE.

I've read your post. Discover Card DOES have a zero liability policy in cases where fraud occurs. However, we must investigate and must also determine that fraud has occurred.

Your post is not entirely clear. You state there was internet fraud via Liberty Wireless. You failed to mention whether you had EVER been a customer of liberty wireless. Many of our customers claim fraud when in fact, one of the following situations apply:

1. Customer has a month to month contract for billing that they wish to cancel or that they feel they HAVE cancelled, yet the company continues to bill them. This is not fraud. This is unfortunate, but must be worked out between customer and the billing company. Discover Card can change your card # to keep a company from charging, but that does not cancel whatever agreement exists between customer and said company.

2. Customers often make what they think is a one time payment on the internet when it is acutally a recurring payment. This happens most often w/ utility and cell phone companies. Again, cancelling the monthly draws must be done by the customer with the company that is billing them.

Russell, I don't have enough info from your post at this time to know if #s 1 or 2 apply. If you truly never initiated business with Liberty Wireless, call us and ask the rep who answers if your account is statused as FRAUD. If not, someone must have done a regular customer service dispute with you rather than an actual fraud dispute.

A regular customer service dispute will, 60% of the time, be ineffective at removing a charge from a customer's account. The reason is that this type of dispute is more an "information gathering" dispute rather than an investigation. Discover Card basically approaches the offending merchant (in your case Liberty Wireless) and asks for whatever documentation they have for the sale. Regardless of what information comes back, the dispute is closed and the charges are placed back on your account and you are supposed to be mailed a copy of whatever the merchant sent us.

At that point, if you still dispute the validity of the charge, the only action left for us is to start a fraud investigation.

I would like to know more, Russell, about the circumstances of your claim. Did you ever do business with Liberty Wireless (regardless of whether you feel you did business that would result in a charge to your Discover Card)?

Did you get any letters pertaining to your dispute? Can you tell me the name of the person who signed them (that way I can tell if it was a service dispute or a fraud dispute)?

PS: Liberty doesn't have to agree that the charges are erroneous for Discover to remove them from your account. But at this point, I don't know enough about the situation to help...

Under federal law, Regulation "Z" requires that for any consumer who declares fraudulent activity against their account, the credit company must open and complete a formal investigation into the charge. While the investigation is ongoing, the company must issue a temporary credit for the charge to stop finance charges and fees FOR THAT CHARGE.

I've read your post. Discover Card DOES have a zero liability policy in cases where fraud occurs. However, we must investigate and must also determine that fraud has occurred.

Your post is not entirely clear. You state there was internet fraud via Liberty Wireless. You failed to mention whether you had EVER been a customer of liberty wireless. Many of our customers claim fraud when in fact, one of the following situations apply:

1. Customer has a month to month contract for billing that they wish to cancel or that they feel they HAVE cancelled, yet the company continues to bill them. This is not fraud. This is unfortunate, but must be worked out between customer and the billing company. Discover Card can change your card # to keep a company from charging, but that does not cancel whatever agreement exists between customer and said company.

2. Customers often make what they think is a one time payment on the internet when it is acutally a recurring payment. This happens most often w/ utility and cell phone companies. Again, cancelling the monthly draws must be done by the customer with the company that is billing them.

Russell, I don't have enough info from your post at this time to know if #s 1 or 2 apply. If you truly never initiated business with Liberty Wireless, call us and ask the rep who answers if your account is statused as FRAUD. If not, someone must have done a regular customer service dispute with you rather than an actual fraud dispute.

A regular customer service dispute will, 60% of the time, be ineffective at removing a charge from a customer's account. The reason is that this type of dispute is more an "information gathering" dispute rather than an investigation. Discover Card basically approaches the offending merchant (in your case Liberty Wireless) and asks for whatever documentation they have for the sale. Regardless of what information comes back, the dispute is closed and the charges are placed back on your account and you are supposed to be mailed a copy of whatever the merchant sent us.

At that point, if you still dispute the validity of the charge, the only action left for us is to start a fraud investigation.

I would like to know more, Russell, about the circumstances of your claim. Did you ever do business with Liberty Wireless (regardless of whether you feel you did business that would result in a charge to your Discover Card)?

Did you get any letters pertaining to your dispute? Can you tell me the name of the person who signed them (that way I can tell if it was a service dispute or a fraud dispute)?

PS: Liberty doesn't have to agree that the charges are erroneous for Discover to remove them from your account. But at this point, I don't know enough about the situation to help...

Under federal law, Regulation "Z" requires that for any consumer who declares fraudulent activity against their account, the credit company must open and complete a formal investigation into the charge. While the investigation is ongoing, the company must issue a temporary credit for the charge to stop finance charges and fees FOR THAT CHARGE.

I've read your post. Discover Card DOES have a zero liability policy in cases where fraud occurs. However, we must investigate and must also determine that fraud has occurred.

Your post is not entirely clear. You state there was internet fraud via Liberty Wireless. You failed to mention whether you had EVER been a customer of liberty wireless. Many of our customers claim fraud when in fact, one of the following situations apply:

1. Customer has a month to month contract for billing that they wish to cancel or that they feel they HAVE cancelled, yet the company continues to bill them. This is not fraud. This is unfortunate, but must be worked out between customer and the billing company. Discover Card can change your card # to keep a company from charging, but that does not cancel whatever agreement exists between customer and said company.

2. Customers often make what they think is a one time payment on the internet when it is acutally a recurring payment. This happens most often w/ utility and cell phone companies. Again, cancelling the monthly draws must be done by the customer with the company that is billing them.

Russell, I don't have enough info from your post at this time to know if #s 1 or 2 apply. If you truly never initiated business with Liberty Wireless, call us and ask the rep who answers if your account is statused as FRAUD. If not, someone must have done a regular customer service dispute with you rather than an actual fraud dispute.

A regular customer service dispute will, 60% of the time, be ineffective at removing a charge from a customer's account. The reason is that this type of dispute is more an "information gathering" dispute rather than an investigation. Discover Card basically approaches the offending merchant (in your case Liberty Wireless) and asks for whatever documentation they have for the sale. Regardless of what information comes back, the dispute is closed and the charges are placed back on your account and you are supposed to be mailed a copy of whatever the merchant sent us.

At that point, if you still dispute the validity of the charge, the only action left for us is to start a fraud investigation.

I would like to know more, Russell, about the circumstances of your claim. Did you ever do business with Liberty Wireless (regardless of whether you feel you did business that would result in a charge to your Discover Card)?

Did you get any letters pertaining to your dispute? Can you tell me the name of the person who signed them (that way I can tell if it was a service dispute or a fraud dispute)?

PS: Liberty doesn't have to agree that the charges are erroneous for Discover to remove them from your account. But at this point, I don't know enough about the situation to help...

Under federal law, Regulation "Z" requires that for any consumer who declares fraudulent activity against their account, the credit company must open and complete a formal investigation into the charge. While the investigation is ongoing, the company must issue a temporary credit for the charge to stop finance charges and fees FOR THAT CHARGE.

I've read your post. Discover Card DOES have a zero liability policy in cases where fraud occurs. However, we must investigate and must also determine that fraud has occurred.

Your post is not entirely clear. You state there was internet fraud via Liberty Wireless. You failed to mention whether you had EVER been a customer of liberty wireless. Many of our customers claim fraud when in fact, one of the following situations apply:

1. Customer has a month to month contract for billing that they wish to cancel or that they feel they HAVE cancelled, yet the company continues to bill them. This is not fraud. This is unfortunate, but must be worked out between customer and the billing company. Discover Card can change your card # to keep a company from charging, but that does not cancel whatever agreement exists between customer and said company.

2. Customers often make what they think is a one time payment on the internet when it is acutally a recurring payment. This happens most often w/ utility and cell phone companies. Again, cancelling the monthly draws must be done by the customer with the company that is billing them.

Russell, I don't have enough info from your post at this time to know if #s 1 or 2 apply. If you truly never initiated business with Liberty Wireless, call us and ask the rep who answers if your account is statused as FRAUD. If not, someone must have done a regular customer service dispute with you rather than an actual fraud dispute.

A regular customer service dispute will, 60% of the time, be ineffective at removing a charge from a customer's account. The reason is that this type of dispute is more an "information gathering" dispute rather than an investigation. Discover Card basically approaches the offending merchant (in your case Liberty Wireless) and asks for whatever documentation they have for the sale. Regardless of what information comes back, the dispute is closed and the charges are placed back on your account and you are supposed to be mailed a copy of whatever the merchant sent us.

At that point, if you still dispute the validity of the charge, the only action left for us is to start a fraud investigation.

I would like to know more, Russell, about the circumstances of your claim. Did you ever do business with Liberty Wireless (regardless of whether you feel you did business that would result in a charge to your Discover Card)?

Did you get any letters pertaining to your dispute? Can you tell me the name of the person who signed them (that way I can tell if it was a service dispute or a fraud dispute)?

PS: Liberty doesn't have to agree that the charges are erroneous for Discover to remove them from your account. But at this point, I don't know enough about the situation to help...