Consumer Complaints: Discover sent me a credit card I didn't ask for
There was no documentation with the card other than the standard "here's your card" notice and the sticker on the front of the card saying it must be activated by calling from your home phone. Except I already have a card with the exact same numbers on the front and the back that's already activated. No activation needed for this card I received today... the card number is already up and running.
Each time a credit card company sends out a credit card, isn't there a certain amount of risk that goes along with it? The envelope could get lost and the card could end up in the wrong hands. The card could be stolen by someone who's a part of the mailing process. At the very least, someone could get the numbers off the card and try to use them online.
And since that account number and the associated code on the back of the card are already activated, the person who gets their hands on that card doesn't need to call from my home phone. They could run right out and use it immediately.
So please, Discover and other credit card companies, stop putting consumers at even more risk of identity theft. I know you probably want to remind me that I haven't used my card in a while. But can't you find another way to remind me, other than sending out another card which exposes my account details and gives someone an opportunity to use my account without my authorization?
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Tracy L. Coenen, CPA, MBA, CFE performs fraud examinations and financial investigations for her company Sequence Inc. Forensic Accounting, and is the author of Essentials of Corporate Fraud.