In light of all of the "Love" that Discover has been getting recently, I find this story troubling. Based on the information that the OP has provided here, if this happened to me, I would be very upset. Fortunately, I haven't had any fraudulent charges made against any of my accounts (knock knock on wood!) and apparently, I better hope that it never happens with my Discover account. 
At the same time, it is good to see that others have reported receiving great customer service from Discover when working through similar incidents.
I hope that the OP is able to get a better resolution from Discover regarding this.
@Imperfectfuture wrote:
@Anonymous wrote:This whole situation is quite horrifying to me.
I really don't want a Discover card, if I'm going to be treated like this when my card is stolen. And I truly know it's only a matter of time, before it is.
To the OP - Please keep us updated. I think a lot of members, are now, kinda worried.
You are new to the forums. But a lot of members have seen stuff come and go, and are NOT worried (my Discover It, purple, arrived today).
Agreed -- I don't think OP's situation is the norm (yes, we have seen a few cases of it but I doubt it's rampant in the real world) and anyone can have a bad experience with any company. I don't think it's cause to worry. 
Quicksilver $10,000 | Better Balance Rewards $2000 | Sallie Mae $3500 | Freedom $3500
I had a situation with a merchant in which I made a return, and they never refunded my money (it was some computer memory/RAM if it matters, cost around $200). I contacted Discover, and after around a one month investigation, they refunded my money with no drama. I'm sorry the OP is going through this, but I haven't had this experience with them. Hopefully you can get it worked out soon.
@Man-Of-Steel wrote:In light of all of the "Love" that Discover has been getting recently, I find this story troubling. Based on the information that the OP has provided here, if this happened to me, I would be very upset. Fortunately, I haven't had any fraudulent charges made against any of my accounts (knock knock on wood!) and apparently, I better hope that it never happens with my Discover account.
I hope that the OP is able to get a better resolution from Discover regarding this.
This thread should not deter anyone from applying for the card. It's a great card, and with the double cash-back bonus, it's stellar for its categories.
My story of having a $244 fraudulent charge reversed in seconds (I called the moment I received a text message swipe alert) should make anyone feel better about Discover.
This seems to be an isolated, and strange incident.
It's inconceivable that Discover (or any creditor) would refuse to acknowledge a charge as fraudulent... 
Why hasn't anyone suggested to contact their Executive Office to have them investigate? 
1 866 222 0536
Give them a call on Monday
Or email them: executiveoffices@discoverfinancial.com
@Imperfectfuture wrote:
I don't have that option on Chase, capital one, Barclays, Amex, my credit union nor Discover. I do have text messaging of purchase over x amount.
My Amex has a text alert option for any "card not present" transaction. Which is pretty much any online or phone purchase. That's actually how I caught the ~$300 fraudulent charge, same day it went through. They had it reversed the next day. I was impressed with their fraud dept. The CSR said "We try to make it really easy to deal with, since it can be scary and confusing when that happens." They really seemed to care.
