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Discover card fraud phone number


discover card fraud phone number

I recently got a call from the SSA and was told I needed to confirm my Social Security number to keep getting Social Security checks. First, I. How to Report Credit Card Fraud · American Express Fraud Department: 1-800-528-4800 · Bank of America Fraud Department: 1-800-732-9194 · Capital. If asked to provide a credit card number, Social Security number or other personal information over the phone, verify you are talking to a person or company you.
discover card fraud phone number

: Discover card fraud phone number

Discover card fraud phone number
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Why Credit Card Fraud Hasn't Stopped In The U.S.

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Credit Card Fraud

Frequently Asked Questions

An “unauthorized purchase” is the use of your credit card or card account information by a third party, such as for a charge, purchase or other card transaction where you have not given access to your card information to any other person or business for one time or repeated use, such as a merchant, employee, relative or friend. Please use reasonable care to protect your card, account numbers and personal identification numbers, including in places where your card information may be stored for others to access or use. Transactions made by authorized users, secondary cardmembers and others you have given permission to use or access to your account, and transactions that you benefit from, are not “unauthorized.” It is important that you contact us as soon as you suspect unauthorized use so that we can assist you. We will then open an investigation to determine if the transactions were unauthorized.

First, check with any secondary cardmember or authorized user who might share your account, to see if they recognize the transaction. To help you identify a charge, you can also view more details online by clicking on the transaction in your Account Activity section.

If you suspect that a transaction is fraudulent, please call us right away at 1-866-240-7938. Or, you can contact Customer Service online or initiate a dispute.

No. All Discover cardmembers are protected with our $0 Fraud Liability Guarantee, which means you're never responsible for unauthorized purchases on your Discover Cardaccount.2 If you spot a purchase you don't recognize, first check with any secondary cardmember or authorized user who might share your account, to see if they recognize the transaction. If the transaction is not recognized, please contact us immediately.

Credit card fraud happens several different ways, most commonly with your card information being compromised in a data breach or your physical card being stolen. Unauthorized purchases are purchases on your credit card or card account information by a third party, such as for a charge, purchase or other transaction where you have not given access to your card information to any other person or business for one time or repeated use, such as a merchant, employee, relative or friend.

Credit card fraud is a serious crime that is punishable by law. We frequently work with local, state and federal authorities to help bring these criminals to justice.

If fraud is suspected, Discover will immediately close your account to help protect your information and prevent any further unauthorized use. A member of our U.S.-based Fraud Team will open an investigation into the questionable transactions on your account. We ask you to please destroy all cards, personal identification numbers (PINs), and checks if you have any, associated with your Discover account. We will be transferring all of your account history, including your cashback bonus over to a new account.  We'll also send a replacement card with new account information and credit your account for the amount of the questionable transaction(s). All unauthorized transactions will be removed from your account pending the outcome of the investigation.

No. To help protect your information and prevent further unauthorized use of your account, we immediately deactivate your card and close your account. You will receive a replacement card with a new account number within 3-7 business days.

The transaction(s) in question and any related fees will be credited right back to your account within 10 days.

 If you're unsure whether a transaction was refunded, you can also contact your Fraud Specialist.

A fraud investigation can take up to 90 days and we'll notify you once it's complete. In the meantime, we might contact you for additional information, if needed.

You can contact a Discover representative at 1-866-240-7938.

For questions related to an open fraud investigation, please call 1-800-347-7466 to speak with a member of our Fraud Team.

$0 Fraud Liability: An “unauthorized purchase” is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges. Please use reasonable care to protect your card and do not share it with employees, relatives, or friends. Learn more at Discover.com/fraudFAQ.

Источник: https://www.discover.com/credit-cards/help-center/faqs/credit-card-fraud.html

Security & Fraud

Discover it cash back credit card

DISCOVER IT® CASH BACK CREDIT CARD

You earn cash back, we match it all your first year

Only Discover® Cashback Match automatically matches the cash back you've earned at the end of your first year.1

Cashback Match: Only from Discover, as of October 2021. We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You've earned cash back rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

No annual fee

* Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

There’s no annual fee for your Discover it® Cash Back credit card. Not now. And not hiding a year from now.

0% Intro APR for 14 months on purchases and balance transfers. 3% Intro Balance Transfer Fee until . Then 11.99% to 22.99% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.

Источник: https://www.discover.com/credit-cards/help-center/faqs/security-fraud.html

Disputes

Frequently Asked Questions

Overview of Dispute Process

Discover makes the process easier for you by contacting the merchant and reviewing the information provided by you and the merchant. We will communicate with you about the latest status during our investigation.

During the investigation, you won't need to pay for your disputed transaction and you can use your card as normal for everyday purchases.

We'll send you a confirmation letter or email after you’ve initiated a dispute. Once the process is finished, we’ll notify you of the outcome. You can always find the latest status of your dispute on the Disputes page on your account.

Depending on the nature of your dispute, the process usually takes between 30-60 days. However, more complex disputes may take more time to resolve.

You won't have to pay for your disputed transaction during the investigation.

You may reach a quicker resolution by working directly with the merchant since they have direct access to your purchase information and can service you directly. Providing us with any relevant documentation as soon as possible could also help make the process faster and easier.

Yes, but if you have received the goods or services, you may only be able to resolve with the merchant who provided the goods or services. Please contact the merchant directly if they didn't meet your expectations.

Read FAQs for more information.

Before Initiating a Dispute

The merchant’s phone number is usually next to their name on your statement. You also can search for their phone number online.

You should wait up to 15 days for the merchant to credit your account.

If there’s a joint cardmember or authorized user on your account, be sure to check if they made the transaction. You can also try contacting the merchant. If you still don’t recognize the transaction, you can initiate a dispute.

Please note: If you think fraud has occurred on your account, please call us immediately at 1-800-347-4996. You're never responsible for unauthorized purchases on your Discover card account.*

You can initiate a dispute online through the additional transaction details on the Activity and Statement page. To get more details, select the transaction. To dispute the transaction, select the "Dispute Charge" link. You can also dispute a charge by contacting Customer Service at 1-800-DISCOVER (1-800-347-2683) or by sending a letter to P.O. Box 30945, Salt Lake City, UT 84130-0945.

You can easily upload documentation online through the Disputes page by expanding the "Upload Documents" section or send it by mail to P.O. Box 30945, Salt Lake City, UT 84130-0945. You can also fax the documentation to 1-224-813-5109. If you’re sending a fax, please include your first and last name, dispute case number and last four digits of your account number.

Transaction details, along with any other communication between you and the merchant, might be helpful. If you returned the items, you can provide the delivery confirmation, including the full address of where the items were returned. If you canceled a recurring billing, you can provide the cancellation confirmation number or email. If you were supposed to receive credit, you can provide a copy of the credit slip. If you’re disputing quality of goods or services, you can provide a copy of the relevant communication from the merchant. Photos of merchandise cannot be accepted as valid documentation.

You won't have to pay for your disputed transaction during the investigation. This includes any fees or interest charges related to the disputed transaction.

The investigation of the transaction will not affect the status of your account. You can use your Discover Card as normal for everyday purchases.

We'll contact the merchant about your dispute. After giving them an opportunity to respond, we'll evaluate the information provided by you and the merchant. The resolution is based on that information.

Contact Customer Service at 1-800-DISCOVER (1-800-347-2683) if you need to cancel a dispute. Please be sure that the situation is fully resolved with the merchant; otherwise, your options may be limited if the dispute needs to be reopened.

To understand why a case was resolved in the merchant's favor, please review all of the documentation sent to you by Discover, including all relevant merchant documentation considered during the investigation.

If you have any new documentation that hasn't been considered yet, please upload it on the Disputes page or send it to us by mail or fax. One of our representatives will review your documentation and determine if the case can be reopened. We’ll notify you with the outcome.

If there is merchant documentation attached to your case, you will receive a copy of it via mail or email. You may also find it online on the Disputes page. Expand the "Show Uploaded Documents" section to find the relevant document.

If a temporary credit was applied to your account, it will be reversed once a decision has been made. If a dispute was found in your favor, a credit in the amount of the dispute will be applied instead. A letter with more information regarding this has been or will be sent to you.

$0 Fraud Liability: An “unauthorized purchase” is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges. Please use reasonable care to protect your card and do not share it with employees, relatives, or friends. Learn more at Discover.com/fraudFAQ.

Источник: https://www.discover.com/credit-cards/help-center/faqs/disputes.html

Protect Yourself from Credit Card Fraud

It's vital that you guard your credit card in the same manner that you would guard the key to your home. Here are some tips to minimize the chance of becoming the victim of credit card fraud.

Card safety

DOs

  • Sign the back of your credit card as soon as you receive it.
  • Call to activate your new credit card as soon as you receive it.
  • Keep all your receipts and promptly reconcile your receipts to the charges on your credit card statement.
  • Call 1-800-769-2512 immediately if you do not recognize a charge on your statement.
  • Store your card in a secure place where you will immediately know if it is missing.
  • Call 1-800-769-2512 immediately when you notice your card is lost or stolen.
  • Keep a close eye on your mail delivery when you are expecting a new or replacement card.
  • When you receive a new credit card, cut up the old one before you throw it away.
  • Treat your credit card like cash, never leaving it unattended.
  • Draw a line through any blank spaces on your credit card slips when paying with your credit card at places such as restaurants or retailers.
  • Keep your eye on your credit card during transactions, and ensure that your credit card has been returned to you.
  • Take all receipts and carbon copies home with you, such as those from ATM machines, self-service gasoline pumps and restaurants; destroy them by shredding before throwing away.
  • Keep a record of all your credit card account numbers in a secure place.
  • Carry your credit card number and the toll-free customer service number on the back of your card, in a secure place, separate from the card when travelling.
  • Memorize your PIN (personal identification number).

DON'Ts

  • Never lend your card to anyone.
  • When disposing of old receipts and statements, don't use public waste receptacles.
  • When you initiate a call, it is generally safe to give your credit card number over the telephone. However, don't give your credit card number to someone calling you on the telephone, even if the caller assures you that you will win a prize or award.
  • Never write or allow a retailer to write your credit card number on a cheque for identification purposes.
  • Don't make purchases from online retailers you're unfamiliar with or who maintain a site that isn't secure. If you're unsure, contact the Better Business Bureau.
  • Never share your PIN (personal identification number) with anyone.
  • Never carry your PIN in your wallet or purse.
  • Never let anyone see you input your PIN.
  • Never use a PIN that could be easily guessed, eg. Your birthday or telephone number.
  • Never leave your card unattended, eg. In your car, in a hotel room or at work.
"Phishing" or "brand spoofing" email fraud

This involves the use of fraudulent, but authentic-looking, branded emails and web sites from parties pretending to be legitimate companies, such as Royal Bank of Canada or another Financial Institution — when in fact it is a malicious attempt to collect customer information for the purpose of committing fraud.

If you receive an email that appears to be sent by a legitimate company but asks for sensitive financial information and you are suspicious about that email, contact the company's public telephone number directly to verify its authenticity. You may contact RBC at any time, 24/7, at 1-800-769-2555.

If you believe you may have inadvertently provided any sensitive information about your RBC Royal Bank credit card account, please contact us immediately at 1-800-769-2555 so we can act quickly to help prevent a possible loss.

RBC will never ask you for confidential information through regular email. RBC employees will never ask you for your PIN or password.

If someone identifies themselves as a Bank employee and asks for your password or PIN, take caution. They do not represent the Bank. Do not reveal your information to them and please contact 1-800-769-2555 immediately and ask to speak to a supervisor.

To find out more about "phishing" or "brand spoofing" sites and how to prevent becoming a victim of fraud on such sites , visit:

RBC fraud advisory— "Beware of unsolicited phoney emails"

Apply Now

Protecting your credit card balance with BalanceProtector Premiere® coverage is easy, and the application only takes a few minutes to complete.

Learn More
Источник: https://www.rbcroyalbank.com/credit-cards/cardholders/how-to-protect-from-credit-card-fraud.html

Fraud and Account Protection

Cash Back Credit Cards: Discover it® Cash Back, Gas & Restaurant Card, NHL® Discover it®

Travel Credit Card: Discover it® Miles

Student Credit Cards: Discover it Student® Cash Back, Student Chrome Card

Secured Credit Card: Discover it® Secured

Business Credit Card: Discover it® Business Card

Cash Back Credit Cards
Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Travel Credit Card
Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Student Credit Cards
Intro purchase APR is 0% for 6 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 12.99% - 21.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Secured Credit Card
22.99% standard variable purchase APR. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Business Credit Card
Intro purchase APR is 0% for 12 months from date of account opening then the standard purchase APR applies. Standard purchase APR: 12.99% variable to 20.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 5% of the amount of each transfer. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

NHL and the NHL Shield are registered trademarks and NHL.TV is a trademark of the National Hockey League. NHL and NHL team marks are the property of the NHL and its teams. © NHL 2021. All Rights Reserved.

Источник: https://www.discover.com/credit-cards/help-center/faqs/fraud.html

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