DISCOVER BANK CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
09/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32566
Web
PART ( 2 ) adding on from part 1 [ DISCOVER ] *******Another critical provision of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c ( b ) - Communication with third parties. This section is of great significance, and I believe its crucial that Discover understands its implications. 15 U.S. Code 1692c ( b ) - Communication with third parties : The FDCPA explicitly states that, without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector, including Discover, may not communicate with any person other than the consumer, their attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. While I represent myself in this matter, it is essential that Discover fully comprehends the scope of this provision. Any communication with third parties not covered by the exceptions outlined in the FDCPA constitutes a violation of my rights as a consumer. I urge Discover to promptly review its practices and ensure strict compliance with 15 U.S. Code 1692c ( b ). Violations of this provision can have severe legal consequences, and I am committed to protecting my rights as a consumer. I have identified numerous violations of 15 U.S. Code 1692d, which explicitly forbids harassment or abuse in the context of debt Consumers : ** Your actions, including disclosing my personal information in the context of debt collection, resemble the prohibited publication of a list of consumers who refuse to pay debts, as outlined in 1692d ( 3 ). **Advertisement for Sale of Debt : ** The manner in which you've pursued payment, including threats and coercion, could be construed as an attempt to advertise the sale of the debt, contravening 1692d ( 4 ). I have thoroughly reviewed your debt collection practices, and it has come to my attention that there are numerous violations concerning the Telephone Consumer Protection Act ( TCPA ), as stipulated in 47 U.S.C. 227. The TCPA establishes strict regulations regarding telemarketing calls, auto-dialing systems, and unsolicited facsimile advertisements, among other things. Each violation of the TCPA can result in penalties of up to {$1500.00} per violation. Upon reviewing your actions, it has become evident that you have consistently engaged in practices that run afoul of the TCPA. 2. Failure to Obtain Consent : The TCPA mandates that prior express consent must be obtained before initiating any telemarketing calls or sending unsolicited facsimile advertisements. It appears that you have not consistently obtained this required consent. 3.Lack of Opt-Out Mechanisms : The TCPA also requires that telemarketing calls provide recipients with an easy means to opt out of future communications. It is evident that your communications have not consistently included these opt-out mechanisms. 4. Calling Without Prior Consent : Your actions show that you have made numerous calls without the requisite prior consent, constituting violations of the XXXX. Given the severity of TCPA violations and the potential penalties of up to {$1500.00} per violation, it is crucial that you rectify these violations immediately. I strongly urge you to cease these practices and take corrective action promptly to avoid further consequences. I am acutely aware of the numerous violations concerning 15 U.S. Code 1666a - Billing Error Resolution that Discover has committed against me through their correspondence and billing practices. The law is explicit about the obligations of creditors, especially when an obligor has reported a billing error. These violations include : 1. Failure to Acknowledge Billing Errors Promptly : Discover has consistently failed to acknowledge billing errors promptly upon receipt of written notice. The law stipulates that creditors should acknowledge such notices within thirty days. 2. Failure to Make Appropriate Corrections : Instead of making appropriate corrections in response to reported billing errors, Discover has often chosen to continue collection activities without the requisite corrections or clarification. The law mandates that creditors must correct billing errors within XXXX complete billing cycles or no later than XXXX XXXX. Lack of Transparency in Providing Documentation : When a billing error is reported, Discover has failed to provide adequate explanations, clarifications, or copies of documentary evidence as required by law. This lack of transparency infringes upon my rights as a consumer. 4. Continued Collection Efforts Despite Billing Errors : Discovers continued collection efforts following reported billing errors, without adhering to the required procedures for resolution, constitute a significant violation of this law. 5. Restricting or Closing Accounts Prematurely : The law prohibits creditors from restricting or closing accounts solely due to an obligors failure to pay the amount indicated to be in error. However, Discover has not consistently followed this mandate. 6. Failure to Forfeit Rights After Noncompliance : Discover has failed to forfeit its right to collect the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) when it does not comply with the laws requirements. Under the law, creditors may forfeit this right, and any finance charges thereon, except that the amount required to be forfeited may not exceed {$50.00}. It has come to my attention that Discover you have acted in a manner that violates the FDCPA. Specifically, these violations relate to 15 U.S. Code 1692b ( 5 ) and 15 U.S. Code 1692e ( 11 ) of the FDCPA. 15 U.S. Code 1692b ( 5 ) - Acquisition of Location Information : I have reason to believe that Discover has communicated with parties not expressly permitted under this section of the FDCPA. Such actions raise concerns about compliance with federal law and the safeguarding of my rights as a consumer. It is imperative that communications pertaining to debt collection strictly adhere to the statutory guidelines set forth in the FDCPA. 15 U.S. Code 1692e ( 11 ) - False or Misleading Representations : There is also evidence that Discover has engaged in communications that are perceived to me as misrepresentations, particularly implying that certain communications were from an attorney, which may not have been the case. The FDCPA explicitly prohibits such false representations. I draw your attention to a matter of potential concern regarding the use of your corporate logo on certain correspondence sent to me, which may be a violation of the Fair Debt Collection Practices Act ( FDCPA ). In the recent correspondence received from Discover Financial Services, I have noted the prominent display of your corporate logo. While I understand the importance of branding and corporate identity, it has come to my attention that such usage on correspondence related to debt collection may contravene the provisions of the FDCPA, specifically 15 U.S. Code 1692e ( 5 ). 15 U.S. Code 1692e ( 5 ) - Use of Symbols or Language Indicating Debt Collection : This section of the FDCPA explicitly prohibits the use of any language or symbol on envelopes or within the contents of communication that indicates the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The intent of this provision is to ensure that consumers are not misled or intimidated by the appearance of debt-related correspondence. The prominent use of your corporate logo on correspondence, which is unmistakably linked to the collection of a debt, raises many violation concerns about compliance with this provision of the FDCPA. It is imperative that debt collection communications adhere to the spirit and letter of the law to safeguard the rights and interests of consumers.I emphasize that my intention in bringing this matter to your attention is not merely to highlight a potential violation but also to ensure that debt collection practices are conducted ethically and in strict compliance with federal law. Attention, a matter that raises concerns regarding potential violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically pertaining to 15 U.S. Code 1692e ( 11 ). 15 U.S. Code 1692e ( 11 ) - Failure to Disclose Debt Collection Status : This section of the FDCPA mandates that debt collectors must disclose, both in the initial written communication with the consumer and in the initial oral communication if the initial contact is oral, that they are attempting to collect a debt and that any information gathered during this process will be used for that purpose. Furthermore, it stipulates that in subsequent communications, it is essential to disclose that the communication is from a debt collector, except for formal pleadings made in connection with a legal action. I have received numerous communications from Discover Financial Services, which are considered attempts to collect a debt, yet these communications have consistently lacked the required disclosure that they are from a debt collector. This is a critical omission that could led to misunderstandings and violations of consumers rights under the FDCPA. It is imperative that debt collection communications fully comply with the provisions of the FDCPA to ensure transparency and protect the rights of consumers. Even if the absence of the specific phrase debt collector is argued, it remains essential that consumers are aware that the communication pertains to debt collection, as mandated by the law. This is a violation of 15 U.S. Code 1692e ( 11 ). All communications, both past and future, should unmistakably convey the nature of the communication as being related to debt collection. My intent in raising this concern is to ensure that Discover Financial Services adheres to the FDCPAs principles and provides consumers with clear, honest, and legally compliant debt collection communications. a Attention, another matter that raises concerns regarding potential violations of the Fair Debt Collection Practices Act ( FDCPA ), particularly related to 15 U.S. Code 1692f - Unfair Practices. 15 U.S. Code 1692f - Unfair Practices : This section of the FDCPA explicitly prohibits the use of unfair or unconscionable means to collect or attempt to collect any debt. It outlines several specific practices that are considered violations. Here are some of the key violations I have observed : ( XXXX ) Unauthorized Collection Amounts : I have received communications from Discover Financial Services that include claims for amounts beyond the principal debt. These additional amounts, including interest, fees, charges, or expenses, were not authorized legally. It is in violation of the FDCPA. ( XXXX XXXX XXXX XXXX XXXX : Discover Financial Services has allegedly accepted checks and other payment instruments that were postdated by more than five days. However, I was not provided with written notification of your intent to deposit these instruments as required by law. This lack of notification is seen as a violation of 15 U.S. Code 1692f ( 2 ). In your communications, Use of Language or Symbols on Envelopes : Discover Financial Services has used language or symbols on envelopes when communicating with me that do not comply with the FDCPAs guidelines. Specifically, using anything other than your address on envelopes could be considered a violation of 15 U.S. Code 1692f ( 8 ). It is essential to reiterate that adherence to the FDCPA is paramount in ensuring fair and ethical debt collection practices that protect consumers rights and interests. I am aware that under the FDCPA, each violation may incur a penalty of up to {$1000.00}. However, my primary objective is to foster compliance and ethical conduct, rather than seeking penalties. I encourage Discover Financial Services to rectify these potential violations and commit to transparent, lawful debt collection practices. 15 U.S. Code 1692g - Validation of Debts : This section of the FDCPA mandates certain actions and disclosures by debt collectors to ensure transparency and fairness in the debt collection process. It is imperative for Discover Financial Services to be in full compliance with these requirements. Here are some of the key violations I have observed : ( a ) Notice of Debt ; Contents : Discover Financial Services failed to provide the required written notice to me within five days after the initial communication in connection with the collection of the debt. The notice must include specific information such as the amount of the debt, the name of the creditor, and a statement of my rights to dispute the debt. This omission may constitute a violation of 15 U.S. Code 1692g ( a ). ( b ) Disputed Debts : Upon my written request within the thirty-day period as described in subsection ( a ), Discover Financial Services was obligated to cease collection activities related to the debt until verification of the debt or other requested information was provided. Despite my written request, collection activities persisted, which is a violation of 15 U.S. Code 1692g ( b ). Regarding the XXXX of XXXX in your correspondence. I want to bring to your attention a matter that directly affects my consumer rights. Your choice of using the word agreement, especially when communicating with me about debt collection, is a direct violation of my rights and is highly deceptive. Deceptive Terminology : Its essential to understand that using the term agreement can be misleading and deceptive, particularly when it comes to financial matters like debt collection. This is not merely an issue of semantics ; it goes to the heart of transparency and fairness in consumer dealings. Validation of Debt and Cease and Desist : Ive also previously requested validation of debt and issued a cease and desist notice. Its crucial to reiterate that upon receiving this document, all collection activities, including reporting to consumer agencies, must halt. Any continuation of these activities constitute violations of consumer protection laws. Compliance is not a choice. Regarding Admission of Liability : I want to underscore a critical point concerning the admission of liability. As per the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g ( c ), the failure of a consumer to dispute the validity of a debt should not, under any circumstances, be construed by any court as an admission of liability by the consumer. Illegality of Default Judgments : Its imperative to understand that any attempt to obtain a default judgment under these circumstances is not only against the law but also in direct violation of my consumer rights. A default judgment in debt collection cases should not occur when a consumer has requested debt validation or issued a cease and desist notice. These legal safeguards are in place precisely to protect consumers from such practices. Compliance is Mandatory : I insist on full compliance with this aspect of consumer protection law. Failure to adhere to this principle constitutes a violation of the law and my rights. Immediate Action Required : Any attempt to obtain a default judgment in contravention of the law will be met with appropriate legal action to safeguard my rights. 15 U.S. Code 1692i - Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall 1. In the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or 2. In the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) In which such consumer signed the contract sued upon ; or ( B ) In which such consumer resides at the commencement of the action. ( If debt collectors choose to bring legal action, by law, they would have to bring it to my jurisdiction. ) ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. Discover, its crucial to emphasize that, as per 15 U.S. Code 1692i, legal actions on debts should be brought in specific jurisdictions. Debt collectors should not be initiating legal actions themselves. Congress has explicitly warned against the creation of documents that might mislead consumers into believing that a party other than the creditor is involved in debt collection. Its vital to ensure that such deceptive practices are avoided. I want to remind you of the violations identified in 15 U.S. Code 1692j : ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. Please ensure that your correspondence aligns with these legal requirements. Deceptive forms can have serious consequences, and its in both parties interest to maintain transparency. Bring your attention to the legal framework surrounding civil liability as specified in 15 U.S. Code 1692k. Its essential to understand the potential consequences of failing to comply with the provisions of the Fair Debt Collection Practices Act ( FDCPA ). This code outlines the following aspects of civil liability : Amount of Damages ( 1692k ( a ) ) : Any debt collector who fails to comply with the FDCPA may be liable to the affected person for : 1.Actual damages incurred due to the failure. 2.Additional damages as determined by the court, not exceeding {$1000.00} for individual actions or as applicable in class actions. 3.Costs of the legal action. 4. Reasonable attorneys fees. Factors Considered by Court ( 1692k ( b ) ) : The court considers various factors when determining the amount of liability, including the frequency and persistence of noncompliance, the nature of noncompliance, and whether it was intentional. Intent ( XXXX ( c ) ) : Debt collectors may not be held liable if they can demonstrate that the violation was not intentional and resulted from a bona fide error, provided they maintain procedures reasonably adapted to avoid such errors. Jurisdiction ( XXXX ( d ) ) : Actions to enforce liability can be brought in any appropriate United States district court without regard to the amount in controversy or in any other court of competent jurisdiction, within one year from the date of the violation. It is essential to comply with both the FDCPA and FTC guidelines, as they not only define ethical practices but also carry significant legal consequences for violations. Addressing a matter of utmost importance regarding documentation you have provided concerning the alleged debt associated with my account. As stipulated in Rule 1002 of the Federal Rules of Evidence, it is a fundamental requirement that an original writing, recording, or photograph is necessary to prove its content unless specified otherwise by these rules or a federal statute. This rule, designed to uphold the integrity of evidence, plays a pivotal role in ensuring the accuracy and authenticity of documents used in legal matters. Regrettably, Discovers failure to provide the original document in question pertaining to the alleged debt represents a major violation of Rule 1002 and calls into question the legitimacy of the debt and the accuracy of the information being pursued. By not adhering to this critical rule, Discover has jeopardized the credibility of its collection efforts and may have placed itself in a precarious legal position. The absence of the original document raises significant doubts regarding the validity of the debt you are attempting to collect. I must insist that Discover should have taken immediate corrective action by providing the original document as required by Rule 1002. Addressing this major violation is essential not only for compliance with legal standards but also for restoring trust and transparency in your future dealings. Failure to rectify this situation promptly will result legal actions to safeguard my rights and interests. Please consider this matter seriously, as it pertains to a major violation with potential legal consequences.- **Subject : Assumption of Risk and Your Debt Collection Practices** A matter of utmost importance concerning your debt collection practices, particularly in light of the legal doctrines of " assumption of risk. " Assumption of risk '' is a legal concept with deep-rooted principles, indicating that individuals who knowingly and voluntarily accept the risks of certain actions or decisions can not subsequently seek recourse for any resulting consequences. This doctrine highlights personal responsibility for one 's choices. In the context of debt collection, this concept takes on a significant meaning. By purchasing and attempting to collect debts, you willingly assume the inherent risks associated with these financial transactions. It's essential to recognize that these debts may be inherently problematic or noncollectable, and your decision to engage in this business carries with it certain responsibilities. While " assumption of risk '' was traditionally an affirmative defense available to defendants in legal matters, it has evolved, particularly in jurisdictions like California, to include scenarios where the defendant does not owe a duty of care to the plaintiff. This means that, as a debt collector, you must consider the inherent risks in your chosen field of business.Express assumption of risk, often formalized through signed waivers, can limit your liability to the terms of such waivers, provided they are not against public policy. In essence, it becomes a contractual matter. Implied assumption of risk, on the other hand, prevents a party from recovering when they voluntarily accept the risks associated with a certain activity, and this is where your responsibilities come into play. Debt collection inherently carries risks, such as the possibility of dealing with uncollectible debts, challenging debtors, or navigating complex regulations. It's crucial to understand that you, as a debt collector, have knowledge and appreciation of these risks. In doing so, you assume the responsibility for the outcomes of your collection efforts. Whether debts are collectible or not, it is your obligation to act in compliance with the law and to treat debtors fairly and ethically. While the legal landscape surrounding " assumption of risk '' may have evolved, your responsibilities as a debt collector have not changed. You must uphold ethical standards, adhere to the Fair Debt Collection Practices Act ( FDCPA ), and act within the boundaries of the law. Failure to do so could expose you to significant legal consequences, including potential violations of the FDCPA, which carries its penalties and liabilities. Attention to a critical legal statute, 18 U.S. Code 1341, which pertains to Frauds and Swindles. This statute outlines severe penalties for individuals or entities that engage in schemes to defraud, obtain money or property through false pretenses, or employ fraudulent representations or promises. Specifically, the statute states : Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promisesplaces in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Serviceshall be fined under this title or imprisoned not more than 20 years, or both. The implications of this statute are profound and far-reaching, and it underscores the importance of conducting business activities with the utmost integrity and transparency. Any actions that can be construed as fraudulent or deceptive can result in severe legal consequences, including significant fines and imprisonment. In the context of your debt collection practices, it is imperative to adhere to the highest ethical and legal standards. Deceptive practices, false representations, or any actions that may be interpreted as fraudulent must be avoided at all costs. Moreover, I would like to emphasize that this statute carries even more severe penalties if the violation relates to a presidentially declared major disaster or emergency, or if it affects a financial institution. In such cases, the potential fines and imprisonment terms can be exceptionally high. The U.S. Code, specifically 18 U.S. Code 1028A, addresses the grave offense of Aggravated Identity Theft. This law aims to protect individuals from the malicious use of their personal information and identity for fraudulent purposes. It is a matter of utmost significance, as identity theft can lead to severe financial and emotional distress for the victims involved.I have reason to believe that my personal information has been mishandled, leading to many concerns about my privacy and the security of my identity. I take these matters very seriously. My primary objective is to ensure that my personal information remains secure, and Ive also noted violations of 18 U.S. Code 1028A. I believe it is essential to discuss these issues in detail to ensure a full understanding of the situation. As a responsible consumer, I have always upheld the importance of maintaining a clean and accurate credit history. However, recent events have led me to question the practices employed by Discover in managing my credit information, specifically in connection with Unwritten Permissible Purpose. The Fair Credit Reporting Act ( FCRA ) outlines specific guidelines and regulations governing how consumer credit information is collected, reported, and used by creditors, including Discover. One crucial aspect of the FCRA is the requirement for creditors to have a permissible purpose to access a consumers credit report. It has come to my attention that Discover may have been engaged in a practice known as Unwritten Permissible Purpose. This practice involves accessing a consumers credit report without a clearly defined or legitimate reason, which raises significant concerns about the privacy and security of my personal information. I firmly believe that consumers have the right to protect their sensitive financial information from unwarranted intrusion. As a diligent and responsible consumer, I have taken every precaution to safeguard my credit history, and it is disconcerting to encounter practices that appear to circumvent the FCRAs safeguards. Furthermore, it has come to my attention that Discover conducted a soft pull on my credit account when I initiated the process of filing claims. This action raises additional concerns about the privacy and security of my financial information, as it was performed outside the context of permissible purposes under the FCRA. Discovers actions in this regard may potentially violate the FCRA, and it is essential to address this issue comprehensively. I have serious reservations about the unauthorized access to my credit information and the implications it may have on my financial privacy. specifically concerning tax reporting and potential violations that have come to my attention. Recent events have led me to question the practices employed by Discover in managing my credit information, particularly regarding the reporting of charged-off debts and tax-related matters. A charged-off debt typically signifies that a creditor has deemed the debt as uncollectible and, in most cases, a tax break for the loss. It is essential for consumers to be aware of the financial implications of a charged-off debt, including the obligation to report it as gross income when necessary. When a debt is charged off, consumers have the right to request a Form 1099-C, known as the Cancellation of Debt form, from the creditor. This form is vital for tax purposes, as it ensures that any canceled debt is properly reported as income to the IRS. Filing the 1099-C is not only a legal obligation but also a means for consumers to maintain accurate records of their financial transactions. The filing of the 1099-C fundamentally changes the status of the debt from a bad debt to income. It demonstrates that the consumer has fulfilled their obligation by reporting the canceled debt as income during tax filings. This critical step ensures transparency and compliance with tax regulations. It has come to my attention that Discover may not be providing consumers with the necessary Form 1099-C upon the charge-off of a debt. This practice raises serious concerns about compliance with tax reporting regulations and may potentially constitute tax fraud. As a consumer, I am deeply troubled by the failure to provide essential tax documentation. If Discover fails to provide consumers with their Form 1099-C when required, it jeopardizes not only the consumers financial records but also the creditors reporting obligations to the IRS. This situation is further exacerbated when a charged-off debt is inaccurately reported as a collection item, creating an erroneous representation of the consumers credit status. I want to emphasize the significance of this issue and the potential consequences for both consumers and creditors. When debts are reported as charged off, Discover should ensure that the associated Form 1099-C is provided promptly. Failure to do so could lead to tax-related problems for consumers and potential regulatory issues for Discover. Additionally, I urge Discover to promptly correct the inaccurate reporting of charged-off debts as collectors items, as this misrepresentation can adversely affect a consumers creditworthiness and create unnecessary challenges. I believe in the importance of transparency, accuracy, and compliance in financial matters, this matter is of significant importance to me, as it pertains to both my financial well-being and my confidence. I insist that Discover immediately removes the alleged debt from my credit report and ceases any further reporting related to this matter on my consumer report.
03/05/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33950
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. CREDITOR CONTACT INFORMATION : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCOVER BANK XXXX XXXX XXXX Attn : XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MD XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers. The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information. 2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. 3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor. 4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time. 5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports. 6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency. I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ). I have opted out of my public information with XXXXXXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ). Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ). The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections. Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX
03/11/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 12205
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/1972 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCOVER BANK XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX
09/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 648XX
Web
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. ( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable. ( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title. ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title. ( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. ( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title. ( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding. ( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought. ( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank. ( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. XXXX or successor orders. ( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised. ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing. ( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. ( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. ( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph. ( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system. ( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency. ( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ). ( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates. ( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies. ( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title. ( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit. ( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on January 1, 2003 ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ). ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. ( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes. ( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
01/02/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92604
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX CARED XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers. The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information. 2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. 3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor. 4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time. 5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports. 6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency. I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( XXXX ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ). XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ). Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ). The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections. Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United States or aliens lawfully admitted for permanent residence. ). SOFT INQUIRIES DISPUTES : IMMEDIATE ACION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX
10/04/2023 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • NC
  • 28104
Web
Legislation should prohibit Discover Student Loans and their representatives, XXXX XXXX XXXX, from violating the rights and livelihood of individuals who turn to them for financial assistance with genuine intentions. Over the past decade, my family has faced financial challenges trying to meet the sizable monthly payments on two student loans. My daughter and son are the borrowers, and my husband and I are the cosigners. We're committed to fulfilling our financial obligations, but Discover has made this unattainable. We have lodged two complaints with the Consumer Financial Protection Bureau, reached out to relevant District Attorney 's offices, and directly contacted Discover 's leadership. Throughout this period, we've personally encountered tactics from Discover Student Loans that we view as infringing on our rights and indicative of predatory lending practices. Around two years ago, we had no choice but to default on these unmanageable loans. This decision was not made lightly, as we knew it would further damage our already compromised credit scores and hinder our ability to accumulate assets. Despite our plight, Discover showed no willingness to negotiate or take steps to ameliorate the situation. In XX/XX/XXXX, Discover filed civil suits against us, initiating another phase in our contentious financial struggle. We enlisted the help of a student loan attorney because XXXX XXXX XXXX, acting on behalf of Discover, refused to negotiate with us and demanded the full balance either upfront or in five-year installments. Our attorney managed to secure a reduced repayment rate of {$2400.00} per month for the next five years for both loans. Discover stipulated that missing even one payment would nullify the settlement agreement. Additionally, since Discover will consider the loans unsettled until the last cent is paid, both the students ' and cosigners ' credit scores will be negatively impacted until the final payment is made in five years, effectively holding our credit hostage over that duration of time. This severely limits our ability to make any credit-based transactions like buying a car or home, or even renting, while Discover continues to collect {$2400.00} monthly from us for the next five years. To complicate matters, the timeline for finalizing this settlement was unnecessarily tight. When the proposal was finally on the table on XX/XX/XXXX, we were informed that the first payment had to be wired before the month 's end ; otherwise, the deal would be off. Despite this tight deadline, there were multiple inaccuracies in the details they provided, such as wrong account numbers and addresses, misrepresentation to the District Court, inaccurate paperwork, etc., which we had to scramble to correct. Inaccuracies on DiscoverXXXX part included : After making the initial mandated payment before the tight deadline, we discovered Discover/XXXX had omitted an entire account from the agreement. This missing information was sent later via regular mail, contrary to the expedited faxing they used for the rest of the account details. The omitted account was subsequently included in the settlement, which raised the agreed-upon amount by nearly {$4000.00} and increased our monthly payments by {$64.00}. Despite this oversight on their part, there were no apologies or accommodations made, although they held us strictly accountable to the original agreement payment deadline. We continuously received notifications from the XXXX XXXX XXXX XXXX in North Carolina regarding our selection for random arbitration. We reached out to XXXX XXXX XXXX, XXXX XXXX, notifying her of our ongoing settlement agreements, which essentially serve the purpose of arbitration. This correspondence also included our attorney and XXXX attorneys. However, XXXX XXXX stated she needed verification from the plaintiff 's attorneys. Despite having communicated our settlement agreement, we were still provided with an arbitration date. Consequently, our attorney requested XXXX to update the courts. Yet, we were surprised when we received another notification of impending arbitration for a second case. I promptly communicated with XXXX XXXX, referencing all XXXX case files that had been settled. She acknowledged being aware of the settlement for the first case during the arbitration hearing that occurred on XXXX XXXX. It's perplexing that the court proceeded with arbitration for an already settled case. It's worth noting that we hadn't even provided the necessary documents, which were due two weeks prior to the arbitration date. Surprisingly, no one followed up on these missing documents. It raises questions about whether this arbitration was merely a procedural formality to ensure certain individuals received compensation. It seems like a misuse of taxpayers ' funds and a dubious system where individuals might be compensated without rendering actual services. Will this same situation arise for the other three Discover cases that we've already settled? On XX/XX/XXXX, our lawyer updated me about a conversation he had with XXXX the day before. They apparently did not receive our daughters payment made in XXXX. It's noteworthy that this is the same account for which they had given the wrong account number and still proceeded with an arbitration hearing. When we got the written agreement through mail for notarization back in XXXX, our attorney had immediately informed XXXX about the error in our daughters account number. At that time, they assured him they would ensure the funds were directed to the right account. However, they now claim not to have received the payment. It's important to note that both childrens payments for XXXX were sent together, via BoA wire, as a single transaction to expedite the process and avoid any penalties. The total amount included the due amounts for both accounts, clearly specifying both account numbers. From XXXX onward, we've made individual payments for each account. On XX/XX/XXXX, our lawyer found himself reiterating the same information to XXXX that he had shared back in XXXX. During the conversation our lawyer had with XXXX on XX/XX/XXXX, XXXX mentioned that while they had received the notarized settlement copies for the children, they hadn't received them for the cosigners. However, the documents provided to us were specifically set up for notarization for our children only, not for the cosigners ( an example of this is available for reference ). A XXXX XXXX will only notarize a document for the individuals explicitly named on that document. XXXX suggested we use the same documents they initially sent. I advised our attorney to ask XXXX to provide us with the appropriate documents so that both my husband and I can duly get them notarized. These errors occurred as DiscoverXXXX maintained their demand for a turnaround of less than one week for the first payment. The entire process has been marked by errors and omissions, but also penalties, consistent with our past decade-long experience with Discover. Nonetheless, they continue to wield disproportionate power over our lives, unapologetically impairing our financial well-being and hindering our progress. Holding our credit profile XXXX for 5 years while they received {$2400.00} per month should be illegal. I know that Discover Bank has received attention from the CFPB ( Consumer Financial Protection Bureau ). I know that politicians such as XXXX XXXX, XXXX XXXX, and XXXX XXXX are also spearheading legislation to stop predatory student loan lenders. XXXX XXXX created a bill called The CFPB Student Loan Integrity & Transparency Act of XXXX, which " would strengthen the oversight abilities of the Consumer Financial Protection Bureau 's ( CFPB ) student loan ombudsman, the top federal official responsible for defending the interests of student borrowers struggling to repay their loans. '' " This officials oversight capabilities were undermined when CFPB Acting XXXX XXXX XXXX closed the only federal office solely dedicated to protecting student loan borrowers : the Office of Students and Younger Consumers. '' I know the CFPB also filed a lawsuit against a company with the names " College Financial Advisory '' and " Student Financial Resource Center '' for " conducting a nationwide operation that deceived students and their families into paying a fee in exchange for an illusory student financial aid program. '' Data shows that Student debt negatively impacts the economy and continues to Reinforce the XXXX wealth gap. '' Regardless of the incomes they make after graduation, XXXX households carry more student debt, which pushes down their creditworthiness. Unsurprisingly, then, XXXX people with a college degree have lower homeownership rates than white high school dropouts. '' " There is also a XXXX disparity in student borrowing that many experts say is problematic and the result of decades of systemic discrimination. '' ( XXXX on XXXX XXXX ). Then there are politicians such as XXXX XXXX who plan to put college legislation in place that will prohibit spending on diversity, equity, and inclusion ( DEI ) initiatives to make the atmosphere unpalatable to minorities and serve as another deterrent to the progression of marginalized people. While most of the impact of predatory lending lands on POCs ( People of XXXX ), all students who enter this system are preyed upon. Our family has over 10 years worth of experience with Discovers cruelty and unethical behavior. While regulatory scrutiny and fines from the CFPB have cast a spotlight on some of Discover Bank 's questionable practices ( as well as those of other lenders deemed predatory ), pinpointing the exact elements of their lending process that are illegal can be difficult. This is because their approach is often indirect and subtle, deliberately designed to maximize loan amounts at the expense of borrowers ' rights. While many individual aspects of their operations might not be explicitly illegal, their collective behavior can facilitate outcomes that are. Discover 's tactics often seem calibrated to set students and their cosigners up for failure from the outset. For instance, their use of forbearance and hardship programs often lacks full disclosure regarding how these options will affect monthly payments and overall loan amounts, luring borrowers into a false sense of relief. Instead of offering extended loan term programs that would lower monthly payments while increasing the loan term, they opt for forbearancewhich more quickly inflates the overall loan amount. They have also been implicated in a class-action lawsuit related to DACA, alleging discrimination in mortgage and student loans. In our personal experience, Discover had to correct inaccurately high interest rates and statement amounts for both of our children, adjustments that were made only after being flagged by the CFPB. Yet, these are not isolated incidents ; they represent broader systemic issues affecting a wide swath of borrowers, particularly those who are marginalized. The compounded effect is the widespread destruction of creditworthiness and a vicious cycle of financial disempowerment. While the CFPB has begun to address these problems, much remains to be done, especially considering the prevalence of predatory practices beyond just Discover. This is just the tip of the iceberg, but it's encouraging to know that regulatory agencies are watching closely. When a borrower opts for student loan forbearance, the aim is to temporarily suspend monthly payments. The terms may vary based on the lender and the loan type, and it's often the case that interest continues to accumulate during this period. The purpose of forbearance is to offer a short-term financial respite for borrowers going through economic difficulties. When our children sought more manageable monthly payments, Discover was quick to suggest forbearance, fully aware that this would result in higher monthly payments down the line, effectively trapping our children in a financial downward spiral while increasing Discover 's own profits. During my son 's final year of college, when he still had XXXX credit hours remaining, Discover insisted that he begin repaying his student loan. Despite his efforts to maintain interest-free deferment until he completed his education, Discover pushed for forbearance. We all fought strenuously to reverse this decision. Discover didn't just encourage our children to opt for forbearance and their Hardship Assistance Program when they had a late monthly payment ; they did so when our children merely expressed difficulty with the existing payments. Because Discover fixed the loan term at 10 years, the deferred payments and interest accrued during the forbearance and hardship periods were later added to the principal. This inflated the monthly payments since the loan term remained unchanged. For both of my children, these strategies, combined with high interest rates, would have substantially inflated the loan amount compared to what was originally disbursed. Our Experience with Discover Student Loans : Discover, aware of the typical salary a graduate can expect in relation to the loan amount, commits students to a 10-year loan term and requires a cosigner. Both the student and the cosigner undergo credit assessments for the loan, and we are informed that the interest rate range will be between 6.00 % and 9.00 %. Despite the cosigner having a high credit score in the upper 700s, the student is assigned an interest rate of 8.99 %. When questioned about the high rate and why the cosigner 's strong credit score wasn't considered, we are told that the student is the main borrower, not the cosigner. According to XXXX XXXX XXXX XXXX, adding a cosigner with a strong credit score can substantially lower the interest ratepotentially by XXXX percentage points or more. For example, a borrower with a credit score of XXXX could expect an interest rate between XXXX %, but adding a cosigner with a score of XXXX could reduce that rate to between XXXX %, resulting in significant savings. However, in our case, the student was given the maximum interest rate available at the time. ( This should be considered unethical, especially given the contradictory information provided later when the loan was due about the cosigner 's role as a " co-borrower. " ). Right after the student graduates, Discover reaches out to the cosigner for repayment, even before any payments are overdue. This approach raises questions about whether Discover had already anticipated that the student would fail to make payments. When queried about contacting the cosigner first, Discover labels us as " co-borrowers. '' Ironically, we weren't considered co-borrowers during the loan assessment, which would have potentially lowered the interest rate, but we suddenly became co-borrowers when it was repayment timedespite our strong credit scores having no impact on the initial rate. The student receives a staggering monthly bill of {$1200.00}, which is hard to manage on a $ XXXX salary. Discover suggests forbearance or hardship programs as a temporary fix. The representative glosses over important financial implications of forbearance, leading the student to opt for it without fully understanding its long-term impact. Six months later, the student is shocked to find out that monthly payments have increased, yet is advised to enter another round of forbearance or the Hardship Assistance Program, thereby exacerbating the situation. The downward financial spiral starts almost immediately, as each forbearance period renders the loan increasingly unmanageable for both the student and cosigner. Their credit scores also suffer due to late or missed payments. Attempts to secure a XXXX consolidation loan through Discover failed because of low credit scoreswhich have been damaged by the student loansas well as the high total amount owed in relation to income, further worsened by repeated forbearance periods. Efforts to consolidate the student loans with other lenders also hit a wall due to poor credit and high loan-to-income ratios, which have been worsened by the initial loans and the forbearance cycles. Both the students ' and cosigners ' prospects for stable employment and financial growth are compromised, as they struggle to balance loan repayment, daily living expenses, and retirement planning, all of which have been negatively impacted by Discover 's questionable practices. As loan payments fall further behind, both students and cosigners experience harassment, misinformation, credit reporting errors, and other forms of mistreatment, violating their right to fair and dignified treatment. Discover seems to understand the majority of students turning to them for loans are marginalized or underprivileged. Even when the loan was not in default, we were subjected to relentless harassment. Discover even unethically suggested that my children deliberately miss payments to exhibit financial hardship, employing strong-arm tactics such as bullying, credit damage, and falsehoods to extract money that arguably shouldn't have been due in the first place. Though attributing high interest rates and dismissing cosigner credit scores might be within legal bounds, it doesn't make it ethically sound. This, coupled with the dubious forbearance and hardship program policies, sketches out a blueprint of predatory lending that's genuinely unprecedented. Discover might try to pass the buck to its Collections department for any 'illegal ' activities, but it is its foundational policies that set up the damaging cycle leading to such harassment in the first place. Our daughter received two compensation letters from Discover, one on XX/XX/XXXX, and another on XX/XX/XXXX, seemingly propelled by CFPB 's scrutiny. However, this only occurred after she had defaulted, and the 'compensation ' was added back to her outstanding loan. My son also received a {$59.00} check from the CFPB on XX/XX/XXXX, for a related matter, along with four other letters from Discover acknowledging incorrect interest rate charges. Within our household, both of our XXXX children, despite being XXXX years apart in age, have fallen prey to these tactics. This experience illuminates the systemic targeting of vulnerable populations like ours and others struggling financially. Discover leverages this business model to infringe on the rights of borrowers, systematically inhibiting upward mobility for entire generations, including Millennials and XXXX XXXX, particularly those of XXXX. They gamble that few will have the courage or resources to oppose a financially robust institution backed by influential politicians. When similar outcomes manifest across millions of students, it's not the individual at faultit 's the predatory system they're ensnared in. Request from Discover Student Loans : Release the hold on our credits, and dismiss all litigations now that we have an agreed-upon and executed settlement. Included in the attachments : 1. Signed authorization letters 2. Civil Summons from Discover for all four file numbers 3. Settlement information 4. Arbitration documents 5. Requests for notarization documents sent by Discover/XXXX 6 . Notice from Discover of interest rate errors and applicable refunds ( does not account for high interest rates assigned upon inception of loans with high credit rating cosigners )
03/04/2018 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Funds not received from closed account
  • IN
  • 47401
Web
CFPB Complaint Number XXXX Often my calls were answered by Security Dept. XXXX Discover Bank phone number, Customer Service number ( issued check to customers ) is XXXX Discover Bank has an army of associates in the fraud dept. /security dept. This is a well-organized scams organization in the form of bank. There are Hugh numbers of employees just for freezing customers ' accounts purposes. US Attorney General may need to file class action lawsuits or any action to stop Discover Bank targets foreign and elderly + their family members known & linked by our last names. This is a hidden discrimination crime on foreigners. I do not know the exact amount, because 2 deposits are missing plus the accrued interest over more than 6 months is also should be disputed but not yet able to dispute because I need the average daily balance to calculate and my account is deemed open because Discover Bank has not issued certified checks for the balance to the account holder/me. Since Discover Bank he balance remained not issued certified check. Discover Bank issued a bad check and voided by Discover Bank. Many scams have been harassed me. What happened? I believe Discover Bank uses scams which causes financial crisis national wide now. In summary, Discover Bank earned a new nickname -- XXXX XXXX. It operates in ONE headquarter in IOWA, NO branch but hundreds of ATM machines to collect your money. ( NO branch? If you found one, we would love to go there. ) Can you find its branch to get your money/house/car/peace of mind back! Do you want to get its mortgage loan for foreclosure of your home? Do you want to buy Discover Bank stock to own penniless stocks? Do you want to open any investment, checking or saving accounts for frozen accounts and penniless? Its CEO and Chairman of the Board does not comply with its Deposit Accounts Agreement or severe typo ( Discover Bank has not disbursed my ending balance but frozen my account indefinitely for Discover bank to have FREE MONEY at my expense! With frozen accounts, Discover Bank does not need to disburse my money back in a certified check. By telling my account is closed, Discover Bank does not pay interest. If my account is closed, Discover Bank should disburse me a certified check for the ending balance. I have not received any certified check. So, my account is deemed to be opened. Discover Bank should pay accrued interest@ 1.15 % till the check issued date, daily compound, average daily balance method. By not correcting its errors on 2 missing deposits, Discover Banks scam is to get more time/excuse to freeze my saving account indefinitely and I would not be able to cash a certified check because I am facing losing 2 missing deposits if I have no recourse and dispute rights for these two deposits despite a certified check is issued. I want my recourse and dispute rights to be reserved so that I can accept a certified check. Discover Banks another scam to freeze my money indefinitely is to issue me a bank check, void and not honored before I received it -- Discover Bank told XXXX XXXX not to deposit it. Why certified check? Certified check can be honored and no scam! XXXX Banks scam is to give out BAD CHECK and VOID CHECK, so I/customer get NO money back and Discover Bank can freeze my saving account to cover up its hidden or severe cash flow problem and/or serious scams offering excessive mortgage loans without real assets to back up except frozen accounts. Recently, 5 % APY or higher is offering by a reputable bank, Discover offers 1.79 % interest rate is a serious scam because Discover Bank does not pay interest but using higher interest rate scams to freeze new customers accounts to cover up its serious cash flow problem, lack of internal control, and excessive lending by getting frozen accounts FREE MONEY. These types of scam had caused national wide foreclosure when an ex-bank is irresponsibly to create financial crisis. Not bad enough? Discover Bank pays employees in various call centers to harass me/customer mercilessly ; insisting other banks to send in hold harmless letters, which means other banks, will be liable for damages of Discover Bank! Discover Banks another scam uses hold harmless letter to get me fight with other banks as if freezing account was not the fault of Discover Bank so that Discover Bank could freeze my money indefinitely and knowing no bank would give me harmless letter. Discover Banks scam could freeze my account as long as other banks could not send hold harmless letter. Its call centers gave me contradicted info and unreliable info plus harassed other banks and may ruin customers credit ratings for lack of money due to tens of thousands dollar not available to meet emergency expenses! What can I do? DISCOVER BANK FROZEN & CLOSED MY ACCOUNT, SO DISCOVER BANKS BANK BONUS {$100.00} & INTEREST RATE@ 1.15 % is an image in a mirror, not real! We deserve better without XXXX XXXX! Filed your complaint to Consumer Financial Protection Bureau, a government agency to regulate national banks, free of charge, fax, call, online or mail. Over more than 6 months since XX/XX/XXXX, Discover Bank had frozen my saving account with balance of at least {$17000.00} ( ending balance + two missing deposits since XX/XX/XXXX + accrued interest ). Discover Bank has refused to disburse the ending balance of {$15000.00} ( per Discover Bank statement dated XX/XX/XXXX ) in a certified check ( Please see attachment ) + 2 missing deposits in the amount of {$2500.00} ( Please see attachment of check images of 2 missing deposits ) + accrued interest of my saving account over 6 months ago. Discover Bank provided no reason but had frozen my saving account since XX/XX/XXXX till present ; refused to disburse the remaining balance in a certified check -- per its Deposit Accounts Agreement ( page 31, ( 24 ) ( a ) ( b ) ACCOUNT CLOSURE ) ( Please see attachment ) -- ending balance will be disbursed if Discover Bank closed my account ; issuing me bad check ( Please see attachment ) ; insisted other banks to send in hold harmless letters to Discover Bank with knowledge that no bank would send hold harmless letter, this is a scam to harass other banks and to get indefinite time to freeze my account for FREE money to loan out its mortgage loans and for its serious apparent cash flow problem and internal problem. Per XXXX XXXX, Discover Bank would not talk to me & insisted only talk to an attorney ; not credited two omitted deposits in the sum of {$2500.00} since XX/XX/XXXX ; NOT given reason why my saving account has been frozen ; So far, my saving account is frozen indefinitely. Details in what happened ( Include dates, amounts, and actions that were taken by you or the company. You may attach additional paper to this complaint if need more room to complete your description of what happened. ) On XX/XX/XXXX, I did not know Discover Bank had a well-planned scams and operations continuously to freeze customers accounts and harassed customers and other banks by using this advertisement scam -- from a reputable websites advertisement, Discover Bank offered its saving account with 1.15 % APY with no minimum balance, no direct deposit, and no monthly fee requirements. Because of this advertisement matched my criticisms of national banks jumped over the loop requirements for customers to be existing customers with the same bank, then, I rated Discover Bank highly and judged Discover Bank had a vision to raise business ethics & standards for its offer of trouble free account! I wanted to support Discover Banks trouble free vision, simultaneously, I rejected two other banks saving account requirements with deposits of {$15000.00} or less + I could meet all requirements to be existing customers in any bank. Other banks offered bank bonus 500 % -750 % higher than Discover Bank and awarded the bonus in 10 business day vs Discover Banks 14 days. Now, I feel disappointed at the ethics and leaderships of Discover Banks CEO & Board of Trustees Chairman, whose names were known over internet. I feel concern for their families and its employees. However, I would hope the general public to avoid Discover Bank. It operates in ONE location and no branch but hundreds of ATM machines. All you get is a frozen account and harassments. You will lose your money, peace of mind and suffers unnecessary financial hardship created by Discover Banks scam operations. Discover Banks advertisement is a scam. Please file your complaints against Discover Bank to Consumer Financial Protection Bureau, a government agency. THANKS. 1. On and about XX/XX/XXXX, an internet website stated that Discover Bank offered bank bonus {$100.00} national wide plus 1.15 % APY to new saving account customers if the new customer deposited {$15000.00} by XX/XX/XXXX, and the bonus would be given on XX/XX/XXXX ( Per website, the deposits of {$15000.00} would be kept for 14 days ). But, Discover Bank had a weekend maintenance scheduled, so customers might miss the deadline to earn bank bonuses if Discover Bank did not post deposits timely to meet the deadline ). No minimum balance, no monthly fee, no direct deposit required. 2. Surprisingly, two representatives of Discover Bank confirmed that the only requirement for bank bonus {$100.00} was to deposit {$15000.00} by XX/XX/XXXX. The saving account has no minimum balance, thus, no need to keep {$15000.00} in the account at all. I kept {$15000.00} in my saving account with intention to open a checking account later, I deposited additional {$9900.00} on XX/XX/XXXX. 3. On XX/XX/XXXX afternoon, Discover Bank provided me a fax number to fax my driver license and social security card ( IDs ). After I faxed to Discover Bank, I was told the fax was not in color and needed to upload to Discover Bank in color. 4. On XX/XX/XXXX late evening, I uploaded my IDs to Discover Bank in color, and called Discover Bank to follow up for my upload. A Discover Bank associate told me that I did not need to upload my IDs in color anymore ; my saving account has been closed. No account closed notice sent to me so far, and NO certified check has been issued or sent to me. My account is deemed open, accrued interest should be paid. 5. Why NO notice and NO certified check after Discover Bank falsely told me my account was closed? This is a frozen account scam -- If my account is closed by Discover Bank, its Deposit Account Agreement ( page 31 ( 24 ) ( a ) ( b ) ACCOUNT CLOSURE stated if the account is closed by Discover Bank, then the balance will be disbursed to accountholder. NO reason given for closing my account so far. 6. On XX/XX/XXXX, Discover Bank refused to provide me with account activities orally or in written form because no info could be obtained from a closed account. ( According to state and federal laws, all banks must provide customers monthly statements when the account was open or closed plus issued a certified check for the balance remained. Hence, Discover Bank violated FDIC s goal. ) 7. On XX/XX/XXXX, Discover Bank sent me a letter and returned a check of {$9900.00} with a charge of stop payment fee despite sufficient fund could be proven. 8. When I called Discover Bank to dispute the stop payment charge, the associate said that Discover Bank would not charge me a stop payment fee. 9. Also, the Discover Bank associate told me that Discover Bank would return deposits, received before the account was closed, to the issued banks only if the issued banks sent in harmless letters to Discover Bank. 10. No bank agreed to send in harmless letters to Discover Bank. Issued banks agreed to send in check images to prove that Discover Bank had cashed their checks. 11. Discover Bank fraud dept. did not agree to take check images and insisted to have issued banks to send in hold harmless letters. This is a scam so that Discover Bank would be able to freeze my account with no hold harmless letters possible. 12. On XX/XX/XXXX, XXXX XXXX branch manager, Discover Bank fraud dept. staff, and I had a 3-ways conference call. XXXX XXXX branch manager informed Discover Bank that XXXX XXXX has no policy to send a hold harmless letter to Discover Bank, but XXXX XXXX could send check images of two checks proven that Discover Bank had cashed two deposits of {$740.00} AND {$1.00}. 13. Moreover, Discover Bank associate insisted that all issued banks must send hold harmless letters to Discover Bank. Discover Bank would only send back the money to issued banks and not to me. Check images proved Discover Bank had cashed 2 deposits from XXXX XXXX, but Discover Bank told XXXX XXXX branch manager to send hold harmless letter for reclaiming 2 deposits. Discover Bank informed XXXX XXXX branch manager that Discover Bank would talk to an attorney only but not to me. The hold harmless letter is a scam for Discover Bank not to send back money to issued bank. 14. On XX/XX/XXXX, Discover Bank sent me a voided check of {$15000.00}. ( Please see attachment ). 15. XXXX XXXX branch manager called Discover Bank to honor the check. Discover Bank told XXXX XXXX branch manager that the check had been voided and should not be deposited. Enclosed here is the voided check # XXXX in the amount of {$15000.00}. ( Please see attachment. ) 16. Discover Bank told me that the investigation would last for 90 days. 17. On XX/XX/XXXX, I reported 4 checks were missing. However, from XX/XX/XXXX account activities statement, 2 checks out of 4 missing checks were posted. The omissions of two missing checks were from XXXX XXXX XXXX in the amount of {$2500.00} ( check # XXXX, issued on XX/XX/XXXX ) AND {$79.00} ( check # XXXX, issued on XX/XX/XXXX ). Attached here are two check images proven Discover Bank had cashed these two checks. 18. On XX/XX/XXXX, I requested Discover Bank customer service deptXXXX, over the phone, to re-issrancue a new check to me for the remaining balance. 19. The associate agreed to reissue a new check in the amount of {$15000.00} in 10 business days. 20. When no new check was received, the associate told me to wait till XX/XX/XXXX and again XX/XX/XXXX. 21. On XX/XX/XXXX, I called Discover Bank that no new check was sent to me. Another associate agreed that she would reissue a new check in the amount of {$15000.00} and delivered in 2-3 business day. 22. Discover Bank has frozen my account more than 6 months and has NOT issued me a valid check. 23. On XX/XX/XXXX, I reported to Discover Bank again that 2 deposits were missing on my account activities statement ending on XX/XX/XXXX ; the void check # XXXX had been void. Discover Bank would not honor the check upon the request of XXXX XXXX branch manager on XX/XX/XXXX. 24. Under the laws, if my account had been closed on XX/XX/XXXX, Discover Bank would be required to send me a certified check for the ending balance to comply with the FDIC. ( Discover Bank has my account frozen to avoid issuance of a certified check as well as avoiding paying me interests over more than 6 months. Hence, this is an advertising scam to create financial crisis for the United State currency, marketplace, credit cards and mortgage loan and other loans. 25. On XX/XX/XXXX, Discover Bank has NOT issued any check to me and my account must be opened. 26. The account activities statements are the responsibilities of Discover Bank. 27. The advertisement of Discover Bank is an advertising scam and uses to freeze the assets of its customers over more than 6 months & indefinitely. Discover has not send me a certified check for account close to comply with the FDIC governed laws. 28. By freezing customers deposits to get FREE money over months without paying interests to customers, these are tax evasion scams to IRS. Tax evasions are punishable under IRS laws. 29. Discover Bank is practicing to loan out money with frozen assets to backup its loans. This can cause another national wide foreclosures in mortgage, FINANCIAL CRISIS in credit cards and loans 30. These scam designed operations of Discover Bank are not only can collapse Discover Bank due to overestimated assets and underestimated liabilities. 31. The issuance of bad checks and not certified checks showed Discover Bank is lack of internal control on cashflow mangement internally. 32. Discover Bank may believe its marketing scam to get new customers for INTEREST FREE money by frozen deposits of new customers. Simultaneously, its competitors -- other banks national wide -- are maintaining the assets and the trusts of existing customers AND new customers with real assets to show investors its stock values and smart management teams. 33. Contrarily, Discover Bank pays salary expenses to freeze saving accounts can easily reduce its profit margins by paying excessive unproductive salary and wages expenses. If these scam operations stop, Discover Bank may not be collapsed due to lack of internal control and cash flow problems. The unfavorable internet customer reviews and complaints to XXXX XXXX XXXX, CFPB, Attorney General, IRS as well as losses of XXXX dollars to its competitors such as XXXX, XXXX & XXXX due to freezing accounts. Advertisement scams national wide is no good to Discover Bank. 34. Discover Bank should be investigated by Consumer Financial Protection Bureau, Attorney General of each state, XXXX XXXX XXXX, and IRS for tax evasions as well as prevention of foreclosures. I tried to brief my writing over 24 hours. Thanks for your time in reading this complaint. More than 6 months freezing my money is causing me financial hardship. I never overdrawn my accounts and never had negative balance and never wrote a bad check. FDIC is the first sentence if you call Discover Bank. But, Discover Banks scam must be stopped. There is no definite date to get my money back. NO bank will give Discover Bank hold harmless letter -- this is one of several scams planned and designed to harass other banks and me/Discover Bank customer. The more the customers called, the more scams will be used to harass the customers. Freezing my saving account in thousands of dollars is only DISCOVER BANKS FAULTS. THE BUSINESS SCHOOLS THAT THE CEO AND CHAIRMAN OF THE BOARD OF TRUSTEES OF DISCOVER BANK GRADUATED FROM SHOULD BE ASHAMED OF DISCOVER BANKS SCAMS. I am very grateful for your assistance. Please send back my money in a certified check and paid accrued interests since XX/XX/XXXX. No one should deserve financial hardship created by Discover Bank. Thanks a million for your help. PS. I can text. I can not talk over the phone. The phone does not ring. No landline to fax. THANKS
11/24/2020 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Need information about your loan balance or loan terms
  • IL
  • 60647
Web
Since XX/XX/XXXX I have consistently requested Discover, who in XXXX took over my XXXX XXXX XXXX XXXX for the proper documentation that shows the interest I agreed to with XXXX XXXX. Since XX/XX/XXXX, Discover has consistently refused to provide this documentation and have just recently hit my credit with three delinquent accounts and one charge off. I am now getting threatened by Discover that the last three accounts as charge offs and this will be on my credit for seven years. On or about XX/XX/XXXX, I received a message from Discover stating that your request to have a waiver or credit applied to your account has been approved. I never made such a request, so I called Discover to inquire about this message. I spoke to an agent who informed me that it was a credit for an overpayment of interest. I also inquired about the fact that I noticed that when interest goes down, by payments for whatever reason goes up. On XX/XX/XXXX, I never received anything in writing to confirm what that this was not my request. On XX/XX/XXXX, I composed a message on Discovers portal and memorialized the conversation that took place with a representative on XX/XX/XXXX, why the XX/XX/XXXX letter states that this was my request. I also requested that my account be looked further into, as in XX/XX/XXXX, Discover had taken upon themselves to put my account in deferment, when I never requested it nor agreed. I called immediately when I received notification and all was to be taken care, however, somehow their accounting showed that I never made a payment and added additional payments. I received a correspondence on XX/XX/XXXX, which for some reason stated that Discover determined an interest rate reduction applied to my student loan account that was inadvertently suspended and as a result a credit of {$21.00} was applied. As I was preparing for the bar and had little time to look further into this, I pulled out my promissory notes to look at the interest I should be charged and it states the following : " The " Variable Rate '' is the sum of the Prime Rate published in the XXXX XXXX XXXX under the " Money Rates '' section for the day which is 30 days prior to the first day of XXXX, XXXX, XXXX and XXXX of each year ( the " Index '' ) PLUS OR MINUS THE PERCENTAGE, AS IDENTIFIED ON MY CONDITIONAL APPROVAL LETTER THAT I RECEIVE WITH THIS NOTE, WHICH IS INCORPORATED INTO THIS NOTE, per annum ( the " Margin '' ), rounded to the nearest hundredth ( .XXXX % ), but in no event greater than the maximum allowed by New York law .... My Promissory Note that I signed with XXXX further states Entire Agreement : The terms and conditions of your Application, this Note AND THE CONDITIONAL APPROVAL LETTER constitute the entire agreement between you and me. THE TERMS OF THE CONDITIONAL APPROVAL LETTER REGARDING YOUR INTEREST RATE ARE HEREBY INCORPORATED INTO THIS NOTE. On XX/XX/XXXX, I called discovery requested this documentation. The below timeline goes into detail from XX/XX/XXXX to present of the numerous communications I have had since and my consistent effort to receive this documentation. To date, I have not received it. I have been told that this documentation does not exist ( XX/XX/XXXX XXXX Supervisor stated my promissory note was not even binding and that I would probably never receive the Conditional Approval Letter because it does not exist ). However, if this documentation does not exist, then how is Discover able to charge whatever interest they feel like, without any proof that I signed or agreed to the interest. My right to proof of documentation and an audit of whether or not the interest calculated is correct, has consistently been denied and ignored. However, since Discover refuses to provided me with such, they have decided to taint my credit and just Saturday place on account and threatening the other three in seven days with a derogatory mark on my credit as a charge off. My credit prior to Discovers claims, was a XXXX. Due to Discovers derogatory marks and delinquency claims, my credit has significantly dropped and now is a debt I have to claim on my character fitness. Discover should not be allowed to threaten and damage someones credit, when they are entitled to prove the documentation and audit that I have requested. If this should place a hold on my professional license, I will be seeking damages. I have the money to pay this off, and have no issue to pay in full, should Discover provide the documentation to show the interest I had agreed to and that a full audit shows what I actually owe. If I were to pay this off, and Discover has been fraudulently collecting the incorrect interest, I have no avenue to take to recover any overpayment. Without the conditional approval letter, according to my promissory note, which states that it is part of the entire agreement, Discover is fraudulently reporting a debt that they have no proof of and but for Discovers denial, it would not be delinquent. I have a right to an audit of my account and Discover refused to provide such, along with actual documentation that they are required to have in their possession, the conditional approval letter. Discover should not be allowed to strong arm their customers by tainting their credit because of their own denials a student loan customer is entitled to. Finally, I would like to recap the numerous times, as Discover seems to have no problem damaging my credit, especially as I wait my XXXX results, but take no accountable for their failure to provide actual proof I have requested. I clearly had no issue paying this up and until Discovers refusal to provide the documents and their assignment papers. I will not pay a loan which Discover has been fraudulently collecting interest on. Timeline of communication and requests I have made with Discover since XX/XX/XXXX, and the documents are attached, just in case Discover states this is incorrect. This may not include all communications from XX/XX/XXXX and I have a right to supplement any communication that is missed in this timeline. If needed, I will also provide you with my phone records and actual notes from phone calls and discussions that are not incorporated in messages I sent to Discover through your system. - XX/XX/XXXX Spoke with XXXX and requested documentation of the conditional approval letter which states the plus or minus my interest should be from the variable rate. I was told he would need to look into this. - XX/XX/XXXX XXXX called my cellphone and stated that he was escalating the matter, as they will need to request this document from XXXX and that another department would be reaching out to me. - XX/XX/XXXX I sent a message through Discovers portal recapping my XX/XX/XXXX phone call with XXXX and that I was told a department would be reaching out to me. I never received a call and would like to be advise as to where the conditional approval letter was and that I would discontinue payment if I did not receive these documents within the next two weeks. o XX/XX/XXXX I received a response from Discover stating that they are working diligently to get needed documentation to me. - XX/XX/XXXX I called Discover requesting documents again. Spoke with representative for ten minutes. - XX/XX/XXXX I, again, sent a message through Discovers portal stating I was still waiting for the documents, as it has been over a month, and have not received them. o XX/XX/XXXX I received a response stating that Discover was currently processing my request and appreciates the patients. - XX/XX/XXXX I, again, sent a message through Discovers portal stating I have still not received the original documents I requested regarding the conditional letter which reflects the interest I agreed to. Now 44 days from the original date of request. o XX/XX/XXXX I received a response stating I was requesting relief related to Covid-19, which I was not. - XX/XX/XXXX I responded to XX/XX/XXXX response stating I was not asking for Covid-19 relief and requesting the documents I requested on XX/XX/XXXX. o XX/XX/XXXX I received a response apologizing the inconvenience and to allow them additional review and processing time. - XX/XX/XXXX I called Discover again to request the documents of the Conditional Approval letter. I was told that my interest was calculated by my credit score at the time I applied for the loan, which clearly is not what my promissory note states. I called again requesting for a supervisor and requested that my automatic payments be discontinued until I receive this information. - Discover sent out a correspondence dated XX/XX/XXXX stating that my auto payment was cancelled and that I will no longer received a .25 % reduction from interest. - Discover sent a correspondence dated XX/XX/XXXX stating the new repayment scheduling and showing interest rate for one loan at 5.750 % and for the other three loans an interest rate at 4.620 %. The money market rate at this time was 3.25 % - XX/XX/XXXX I received a response from Discover stating that they may adjust my interest rate on each XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, ( interest rate change ) based on the prime30 Index published in the money rates section of the XXXX XXXX XXXX. The variable rates are broken down by ( Prime30+margin=total rate ). Your margin is determined by the credit evaluation and always stays the same. The prime Index is currently 4.75 % and is subject to change quarterly. This is how your rate can fluctuate. o So there is a lot of misinformation just alone in this response from Discover. First their definition to margin is not at all what the promissory note states. Second, what prime index was 4.75 % in XXXX. The prime index has been consistent at 3.25 % since XX/XX/XXXX. I have no idea what Prime 30, but my promissory note Prime Rate as published in the XXXX XXXX XXXX under Money Market. Further, on XX/XX/XXXX just like promissory note states interest rate changes on these dates. Never changed. o Once I received this response and notice that the prime index rate that they state is incorrect, I stopped payment. I stopped payment until the conditional approval letter was provided and an audit occurred, as clearly by this message alone, there is inconsistent information communicated. - XX/XX/XXXX I sent a message through Discovers portal with an attachment of the terms and definitions of my promissory note. o XX/XX/XXXX Discover Responded stating that they did not receive the attachment. - On XX/XX/XXXX I called Discover starting at XXXX XXXX. with three phone calls made during that time requesting, again, my conditional approval letter. I was hung up on by two customer service representatives. Finally, the third representative XXXX took my information and stated that she would look into this and get back to me. o I also sent a follow up message in Discovers portal to memorialize my conversation with the representative. o On XX/XX/XXXX I received a call from XXXX who stated that another request was being made to XXXX, as XXXX has not provided Discover with the Conditional Approval Letter and that Discover has been requesting it since XX/XX/XXXX. - XX/XX/XXXX I received another response from Discover stating that they are unable to provide specific information regarding my student loan via e-mail and in order to assist me I must contact Discover directly. o I responded to this message again stating that I did contact Discover directly since XX/XX/XXXX for this information. It is now 115 days since I made my original request. XX/XX/XXXX I received another response from Discover stating that they are unable to resolve my concerns through the Secure Message Center. Discover correspondence with my promissory note was dated XX/XX/XXXX. No conditional approval letter was with the promissory note, despite it stating it is part of it. - A correspondence sent from discovered dated XX/XX/XXXX shows that one loans interest rate is now 4,25 % and the other three at 3.120 %. Reflecting a total 8 payments due. - XX/XX/XXXX I called Discover and again requested my Conditional Approval letter along with a copy of the Assignment that was made from XXXX to Discover. - XX/XX/XXXX - I received XX/XX/XXXX Promissory notes. - XX/XX/XXXX I spoke with XXXX XXXX, from XXXX XXXX XXXX who transferred me to XXXX who was a supervisor. I again, made the request and stated I have been waiting since XX/XX/XXXX, for this. - XX/XX/XXXX I sent another message through Discovers portal stating that I uploaded my promissory note which states the entire agreement and the document upload number. - A correspondence sent from discovered dated XX/XX/XXXX shows that one loans interest rate is now 4.750 % and the other three at 3.620 %. Again the prime rate was 3.25 %. This showed a total amount of payments left 8. o XX/XX/XXXX I received a response from Discover stating that they encourage me to contact them directly regarding my document. - XX/XX/XXXX, I called Discover and spoke with XXXX a manager in XXXX XXXX XXXX who stated the my promissory note was not binding but that the Final Disclosure was. I further was told that I would not be receiving the Conditional Approval Letter, as there was none. o I memorialized my conversation in a message to Discover through their portal right after. o XX/XX/XXXX I received a response from discover apologizing for the inconvenience this may have caused and to contact them directly again. - A correspondence dated XX/XX/XXXX was sent from Discover stating that they had not received payment for my loan. - A correspondence dated XX/XX/XXXX and another copy of my promissory notes were sent to mean. - XX/XX/XXXX I received Discovers correspondence and copies of my promissory note and called Discover. At which time I spoke with XXXX from XXXX XXXX XXXX. I, stated that my conditional approval letter was not included and that I making yet another request for it and for the assignment from XXXX to Discover. - A correspondence dated XX/XX/XXXX was sent from Discover with an updated payment plan which showed one loans interest at 4.750 % and anothers at 3.620 %. With five payments left. - XX/XX/XXXX I sent a message through Discovers portal stating that I have been requesting my Conditional Approval Letter since XX/XX/XXXX and still have not received it. o XX/XX/XXXX I received a response from Discover stating they have record of my concern but are unable to provide information regarding my student loan via email. - A correspondence dated XX/XX/XXXX was sent from Discover stating that Urgent Action was Needed : Charge Off Pending. - XX/XX/XXXX, I called Discover and spoke with XXXX from XXXX XXXX who stated he was making the request for the Conditional Approval Letter and the Assignment papers and that I should receive them within 7-10 business days. ( XX/XX/XXXX is when I would be receiving them ) - XX/XX/XXXX I received an email from Discover StudentLoansRA dated XX/XX/XXXX and I responded yet again stating that I have been requesting documents since XX/XX/XXXX. - XX/XX/XXXX A cease and desist email was sent to DiscoverStudentLoanRA to cease and desist from placing a charge off on these accounts and another request was made. - XX/XX/XXXX Another cease and desist email was sent to DiscoverStudentLoanRA to cease and desist from placing a charge off on these accounts and another request was made. - XX/XX/XXXX, which I was told by XXXX Discover would be sending out copies of the Conditional Approval letter would be received by. Nothing was sent from Discover. - XX/XX/XXXX, while I was on a XXXX meeting I received a phone call from Discover student loan representative that stated that a representative was looking to talk with me. Back in XXXX, I had sent Discover a Cease and Desist for telephone calls. When the representative was put on the line the representative asked why I was calling. I stated that I was not calling and that I was just told you wanted to talk with me. I stated that I have made numerous requests and that I am still waiting for these requests to be answered. I was told that I had no choice but to make a payment. I again explained that until an audit was done I was not making a payment. I then asked how a phone call was made to me when I specifically have a cease and desist. - XX/XX/XXXX, I received a message from XXXX XXXX that my account had delinquent accounts ( total of 15 ) along with a derogatory mark from Discover. That this derogatory remark would be on my credit report for seven years now. - XX/XX/XXXX I called Discover student loans at XXXX XXXX. and spoke with XXXX in XXXX XXXX XXXX who transferred me to his supervisor XXXX. I expressed my issues and concerns. I was informed that she sees the numerous requests and that to-date they all remain open. XXXX stated that she would be looking into this, along with request other supervisors. I agreed to communicate with XXXX and provided a written consent for XXXX to contact me with information relating to my requests and the delinquency and charge off that has been placed on my credit report. XXXX provided me with a telephone number XXXX. I was told that once I received a representative to request to speak with XXXX. I was informed of her work hours which are Monday through Friday XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. XXXX requested a time to reach Monday, XX/XX/XXXX, which we agreed to XXXX XXXX Discover is failing to provide the full promissory note with XXXX which this debt was originally with must show an audit of the interest charged to reflect the promissory notes language regarding interest. Should you need any further information please do not hesitate to reach me at XXXX or XXXX.
10/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • XXXXX
Web
September 18th signed up for a working program with Discover. Gave them my routing and bank account number. They processed the first payment as ACH then started to process them as CTC. I don't know what CTC is and my account does not accept CTC. Discover had a policy change where payments were to be processed as ACH instead of CTC. They were having too many issues according to a Discover card representative. In XX/XX/XXXX I called to find out why my payments werent going through. Because they were using CTC it did not go through. I recieved no notice from Discover or my bank. My account was charged for a ACH return fee from XX/XX/XXXX. During that time they processed it as an CTC not ACH. For the past three months I have been fighting this. Discover refuses to reserve the late payments. They had my banking account information for automatic payments. Discover refuses to send me documentation stating the payment process. I asked for a the recording of my call on XX/XX/XXXX. They said that they cannot provide that. I am attaching a call transcription of my last call with Discover. Speaker 1 Discover- 01:13:06 Patience, ma'am. Um, my name. My name is XXXX. And this call may be monitored and recorded, and I was told that you need some assistance on your programme. Is that right? Speaker 2 XXXX XXXX 01:13:18 Yes, I need I need to get documentation of where Discover, decided that they were going to change the process of the way my payments were after the initial one went from from ACH to CTC and now back to ACH? Speaker 1 Discover 01:13:44 Uh, may I ask what for? Speaker 2 XXXX XXXX 01:13:47 Because I did not give permission for Discover to use CTC. I didn't even know what CTC was until April of this year. Speaker 1 Discover 01:14:02 So you're worried about the CTC payments. I see it was returned back in April. Speaker 2 XXXX XXXX 01:14:12 It returned back from XX/XX/XXXX until XX/XX/XXXX because I called in XX/XX/XXXX asked what was going on and said to remove that chase account and put in the Truist account. Speaker 1 Discover- 01:14:38 Yeah, and we're pulling, and I see that we're pulling from the Truist to bank now. what is it that you need from discover? Speaker 2 XXXX XXXX Discover never said that It the payments were gonna go from ACH to CTC/ My account doesn't take CTC payments. You also charge me a return Me for ACH returned payments. Speaker 1 Discover 01:15:16 So you are requesting to have the return check charge be rervsed?. So what you're saying is you are requesting to have the return check charge back in April. Reversed? Is that correct? Speaker 2 XXXX XXXX 01:15:31 Where is it? Did discover tell me back in September of eight XX/XX/XXXX that my payments were gonna be first ACH, then CTC then ACH. Speaker 1 Discover 01:15:47 They didn't. We did not know. It is typical that most banks except CTC. I'm sorry that back inXX/XX/XXXX that you were that we were unaware that they weren't gonna do CTC. Like you said, you didn't even know what CTC was. Speaker 2 XXXX XXXX 01:16:09 Right But no one ever said they were gonna go through as ACH then CTC. So now you guys show I didn't pay my my payment from October to march, and it's affecting my credit. Speaker 1 Discover 01:16:29 Oh, so you're worried about your credit score? Speaker 2 XXXX XXXX 01:16:32 Yes, it's It shows late payments on my credit history. It shows late payments from between, um between oct between XX/XX/XXXX to XX/XX/XXXX, And then on top of that, I get charged an ACH return return fee of $40 for every time that it happened. You guys reversed it. But why would you charge me an ACH return fee iIf you processing the payment as a CTC? Speaker 1 Discover 01:17:20 That's an easy question to answer. Um, again, that'd be frustrating to be. It would be frustrating to receive return check fees. Um, it's just a label. It's so regardless, whether it's ACH, it's just a label. It's just basically return. So you don't have to worry about the just returned check whether it's shows up that way. Um, going back to, last year and I see September refund. Speaker 2 XX/XX/XXXX 01:17:52 I got the refund I got because you guys said you processed the payment as an ACH. When that wasn't the case, it was processe. So where is it On XX/XX/XXXX that You guys told me they were gonna be CTC payment. Speaker 1 Discover 01:18:15 Oh, there isn't. We never told you that it would be a CTC payment. Speaker 2 XXXX XXXX 01:18:20 So how wouldI know? So how would I know that they were going to be processed from ACH to CTC. Speaker 1 Discover 01:18:29 You Wouldn't. And so, like I said, most I can look into it for you about the credit. Like you said, there would be no way for you to know whether it's a CTC or not. Most banks accept it, and it looks like they and you're saying you got so it sounds like Discover card reimbursed you for those return check charges. So we don't have to worry about that. And so now the main concern is the fact that you were trying to make payments and you couldn't Because and then it's showing late on your credit port. And you are requesting is to have that wave, right? Speaker 2 XXXX XXXX 01:19:05 Yep. And I've already been told No, But if you're telling me there's no way to know then we would have had no way to know that the payments would have been processed as CTC. Then why am I getting dinged for it. Speaker 1 Discover 01:19:23 It's a valid question. So, um, and have all of those answers and and you can see them for you. Speaker 2 XXXX XXXX 01:19:34 Um, I've talked to the executive office, at least three times already. I have filed a consumer financial, um, uh, complaint, and And all I keep getting back from Discover is that it was ACH then CTC. And because I called in and change the account number, it went back to ACH. Why didn't stay a ch the entire time? Speaker 1 Discover 01:20:08 The entire time we recently had a policy changed to what we don't do CTC season specifically requested because we have had, a lot of troubles there in the past. So now all of our payments are unless it's specifically are for ACH. Speaker 2 XXXX XXXX 01:20:26 Yeah I never requested the CTC and when I signed up, And when did that take place? Speaker 1 Discover Yeah, we're talking just, months, not even a year. So originally signed up, it makes sense that they set it up for CTC. There was an issue. Um, because I remember being I've been here for seven years. I remember setting up payments, you know, electronic as electronic checks, etc. That's what it stands for. Check to check. And most banks except that., We do. Um, like I said, we don't even have an option unless the customer requests, etc. Like it's all now. And so your main concerns my concern is what? My credit, Speaker 2 XXXX XXXX -Right Speaker 1 Discover -And so I'm just explaining you that we don't do CTC anymore. You? Why was it changed back to ACH And so and so when you made the change, we were able to get just to get you right back on. And you're able to solve the issue with finances financially, you're able to to, to resolve the issue. And we're doing our best. And we did our best and reimbursing you there. And now you're hoping to be able to get the the credit score fixed as well. Me personally, I have no power to fix that. But I know people who can. And so I need, because I can't help you in that area. I know you've been bounced around. This has been a months of work I can't imagine how frustrating this must be for you. Um, I'm a specialist on the programme itself, Not in the, uh, reporting area. I can tell you how we report to the credit bureaus, but, uh, in regards to fixing that, uh, that's that's somebody else. And I am sorry that you're being bounced around and everyone's just trying to be able to do their best to be able to help you. And the last agent that spoke with you, uh, it, you know, had no idea It doesn't have very much knowledge about the programme themselves. And so it is their policy to be able to connect you to a programme specialist, which is me, and because they just don't know. So they're following procedure to be able to get to a programme specialist, which is and and and so I've been able to explain the programme. I'm glad everything's work. My job is to satisfy you financially, and it sounds to me like you're financially satisfied, but the the credit score side is not. And so that somebody else from that that someone else other than the, other than the last agent and me, that's that's a whole nother ball park. And we are just make, you know, just going through the checklist, making sure you're satisfied in every way. And hopefully we're we're gonna get there. Okay? So I'm just gonna ask for your patience while I reach out and find that individual and that department who can. Okay. Speaker 2 XXXX XXXX 01:23:59 Thank you. Speaker 1 Discover 01:24:01 Thank you so much. Yeah, you're absolutely welcome. Let me go find out to speak to about that. So just give me one moment. Yes. Alright. Thank you so much for holding. Thank you. Thank you for holding. Um, I've found the right person talk to It's just taking a while to get them on the line. Okay. Speaker 2 XXXX XXXX 01:35:29 That's okay. I'm working as as I'm on hold anyway. Speaker 1 Discover 01:35:34 Oh, you're awesome. Wait a multi task. I just don't want to wasting your time. And so thank you for and I'll I'll come back here in a bit. Okay? Speaker 2 XXXX XXXX 01:35:42 Okay. Thank you. Speaker 1 Discover 01:35:44 Mhm. Mm. Okay. Alright, Ma'am, You still with me? Speaker 2 XXXX XXXX 01:51:09 Yep. I'm here. Speaker 1 Discover 01:51:11 You doing awesome. I'm glad that you've got something to to do, because yeah, I'm being bounced around from department to department as well. I thought I had um I thought I had the right person, but it needs to go to somebody else. And so I think we finally found it. But again, just letting you know that it's just taking some time. I appreciate your patience. And I'm glad you've got something else to work on a while. We're doing this. Otherwise you're right. This could be a long call to do that. A lot of trying to get this all figured out. So thank you. Speaker 2 XXXX XXXX 01:51:45 Thank you. Speaker 1 Discover 01:51:48 Absolutely. One more moment and I'll check back in as as time goes on. Thank you. I have an answer for you. And I need you to grab a pen and paper or something to write. With Speaker 2 XXXX XXXX 01:54:05 What? Okay, Speaker 1 Discover 01:54:16 let me know already. Speaker 2 XXXX XXXX 01:54:18 Yes, go ahead. Speaker 2 01:54:23 So, So I need need to let you know that you're entitled free annual credit report and and excuse me that you're entitled to a free annual credit report, and we can direct you to that. The website is www dot annualcreditreport dot com. Speaker 1 01:54:50 Okay. Why do I need to go Speaker 2 01:54:52 there? Just for just for future reference is, um let me go ahead and review all of the information, then If you have questions about our decision and what's and what's happening, then you can continue. Yeah. Let me just give you all the information and I'll explain it all as I give it to you. Okay. Speaker 1 01:55:14 Okay. Speaker 2 01:55:17 Thank you. Uh, their phone number is, uh, 1877, three, a 228. Speaker 1 01:55:33 Okay. Speaker 2 01:55:36 Okay. Now, uh, with policy, you want to dispute credit your information reported by Discover, uh, by mail. Uh, then and if so, if you check with that you find there and if you have any disputes. So this is so you can use that information to get the exact details. Not just general, but so that way you can get the exact details. Exact dates, exact months. Um, then you so you can get all that information there. You can then dispute to, uh, Discover financial services. The PO box number to that is 30, 939. And that's Salt Lake City. Utah. 84130. Speaker 2 XXXX XXXX 01:56:37 Okay, so I've already done that, Speaker 1 Discover 01:56:42 and and you must include your your name, address, phone number, and account number. If you want to continue to distribute it, you can go through there I have spoke with supervisors here. Discover card. They won't go back. They won't go back. They won't fix it. Uh, because, uh because policy, is that, the because it wasn't specified on your end, that had to be a ch only, I know you. I know you weren't aware, of the PC s that you didn't even know that was a possibility. But Discover Card's policy. And I know you may not agree with, nce um, tense. I'm giving you that information, to continue to to continue to fight it. And it's just that the the the policy is that you did not, specify it had to be a ch or C T. C only, Speaker 2 XXXX XXXX 01:57:54 I don't even know what the CTC is, so I've already I've I've already disputed with credit. I've I've already disputed with all three credit rules. I already have a case open with, um, with, uh, with the consumer board. So I'm just gonna have to give them this information and let the consumer board take over. Speaker 1 Discover 01:58:29 Yeah, that's that's the best. That's the the best thing you can possibly do right now. Speaker 1 01:58:36 I mean, those Speaker 2 01:58:36 channels Speaker 1 01:58:37 I've even gone to the executive office. So, But you've given me, um, in the most information that I need and I'll be submitted it with my complaint. So, thank you. Thank you for being. Speaker 2 01:58:51 I'm sorry. Yeah, you're welcome. Sorry. Couldn't be more help. And I waited the best of luck and and getting that resolved, uh, we definitely want to. We definitely want to do things right. And I just wish there were It was easier. Speaker 1 01:59:10 This is not right. So, um OK, Speaker 2 01:59:13 well, there's There's just a process to be able to fix bad processes, right? And sometimes they can take a long time. Well, but Speaker 1 01:59:24 But it's but Speaker 2 01:59:25 it's it's Speaker 1 01:59:26 it's affecting, leading to get my home loan. So, um okay, but I'll I'll take the information you've given me. Speaker 1 Discover 01:59:36 Yeah, and and I would include that that it's affecting you now and because of what's happened, you know, it's affecting you now, and you're going through all the right process is you're being patient, uh, and then hope hopefully there's recommence for that. Uh, I mean, Discover card is definitely wants to fix any, You know, any issues? We don't want this satisfaction. And I know Right now you're dissatisfied, and we are. And so you're going through the right avenues to be able to get that fixed. I wish Discover card could make those fat those changes. It's just that with with policies that are that big, there's just a process to build to go through it and you're doing it, and you're you're doing it and so definitely include what's what's happening to you now and how it's affecting you now and then. Hopefully it can be more recommends here, uh, later down the road, uh, to be able to make it right. But yeah, we're we're we definitely want to make it right. And I would assume that's probably why they made such a change. Uh, most recently, you know, within these past few months, um, that they quit doing all together because it seems to have been a headache and and hopefully we're gonna see a lot less of these becoming through because of that change, and it's just gonna be taken some time. And so I thank you for your process patients and going through this process with us, ma'am. Speaker 1 02:01:07 Okay, Speaker 2 02:01:08 So that being said, let me just make sure we got the right contact and everything on here. I've got your address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. email is, um that's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Right. Okay, phone number XXXX XXXX XXXX. Speaker 1 02:01:40 Yes. Speaker 2 02:01:43 Okay. Let me call you, uh, if if there's an issue. Uh, So for your number XXXX You agree to banking facility in agents may call you including text about any current future accounts or applications. With respect, I'll probably discover any funding you provide. And in addition, you agree, discover, make contact using and report voice message. Even if your phone provider may charge you for call text, yes or no? Thank you. Uh, there's not a work number to call you on as a backup. Is there, any alternate numbers that Speaker 1 02:02:22 No, this is my current number, Speaker 2 02:02:27 okay? And you're doing a great job on your programme, By the way, Uh, so financially, I'm glad you were satisfied in that area. I mean, you're you're getting a lot of assistance and you were almost $8000 and now you're down to $XXXX XXXX XXXX. Uh, plus, that's very tiny amount of daily interest. But you're doing such a good job. Uh, so keep up the good work you still have scheduled as a ch going forward. Uh, the next payment is XX/XX/XXXX. So I'll just get a couple of days for theXX/XX/XXXX. So keep up the good work. Thank you for choosing discover. And I hope you have a good rest of your day. And Speaker 1 02:03:07 I really appreciate all your help. Yeah, Speaker 2 02:03:11 you're welcome. And you take care. Bye bye. Speaker 1 02:03:13 Bye bye. I do have two more recorded phone calls with Discover discussing the this same issue .
04/20/2018 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
  • CA
  • 95035
Web
I sent the below letter to Discover on XX/XX/XXXX. I have also written a letter to the President of the United States and the Attorney General. Now I am writing to the CFPB. This is a financial death sentence. I will never have stability or financial security in my entire life because all I am paying is interest on my loan balance. I took out {$100000.00} in student loans from XX/XX/XXXX-XX/XX/XXXX, have currently paid approximately {$50000.00} to them over the course of the last 11 years and my current total balance is over {$120000.00}. Do the math, it doesn't make sense. My rent is {$1400.00} per month, my car and insurance are {$550.00} per month. My gas, food/drink, necessities total about {$500.00} per month. My pet costs are {$50.00} per month. I have 1 student loan serviced by XXXX which is {$210.00} per month. I would like to have a future with my girlfriend and obviously that costs money so I save {$400.00} per month. $ 100- {$200.00} for emergencies and other unforeseen. My salary after taxes is {$3200.00} per month so that leaves me with {$0.00} and some months I am even in the negative if something happens and at XXXX years old I have to borrow money from my father. Do you have any idea how horrible that makes me feel. And this is month in and month out, I will NEVER escape this. Something needs to be done. I laid it all out there for everyone to see and still no one is willing to help. Please help! SEE BELOW ... XX/XX/XXXX To Whom It May Concern : I am one of the millions of students who have borrowed student loans from a private lender. My loans originated with XXXX and were transferred to Discover and recently XXXX, and possibly some others in between. I took out approximately {$110000.00} for my XXXX XXXX degree studies during the period of XX/XX/XXXX XX/XX/XXXX where I graduated in XX/XX/XXXX. Upon graduation I could not find work until XXXX of that same year where I worked at a XXXX XXXX making {$29000.00} per year. I could not afford to make any payments. My father, who cosigned my student loans, had lost his job in XX/XX/XXXX and had struggled to find work, doing mostly odd jobs and contract work. My parents divorced in XX/XX/XXXX and my father moved out into his own apartment. It was extremely difficult for my father to afford his own apartment at {$1200.00} per month on top of the mortgage payments for our house, which we kept so my younger sister and younger brother could attend the schools they had started at. He could not help me at the time so I scrambled around and tried to defer my payments. I was told I had to use forbearance which I did for about the entire year if I remember correctly. When things werent looking up job wise I decided I needed to jump start my career by attending XXXX XXXX, learning that my XXXX loans would be deferred during the time I spent enrolled in school. Therefore, I applied and was accepted to XXXX XXXX started my studies in XX/XX/XXXX. My parents sold our house in XX/XX/XXXX and my mother moved in with her boyfriend. During the summer sessions I would be harassed regularly by Discover and other loan providers within a week of my semester ending because they said during the summer months I was not enrolled and the payments started again, which was ridiculous and I had to continuously tell them I am in school but they argued with me because it showed I wasnt enrolled. When I graduated in XX/XX/XXXX I was immediately harassed again, even though I was studying for the XXXX XXXX and trying to complete what I had started, all because Discover wanted to get my money ASAP with no questions asked. I never did pass the XXXX XXXX. From XX/XX/XXXX until I moved back to New York in XX/XX/XXXX were a real struggle. I applied to over 800 jobs and did not receive a single offer. Moreover, I was only asked to come in for one interview, which was for a position I didnt even want and didnt get anyway. I worked with resume coaches, changed my resume 11 times, and tailored it to fit specific jobs which was a highly recommended tactic. Still nothing. I worked with my school and counselors to apply to all the jobs in my XXXX XXXX job bank which was specifically for recent graduates. I didnt receive any responses. All told, out of the 800 resumes I sent out, most including cover letters, writing samples, even letters of recommendation, I received 1 single interview, and about 40 or 50 form rejection emails. Yeah thats right, form as in I didnt even get a personalized response. I couldnt even get hired at XXXX or XXXX XXXX. The other ones just went unanswered. My father was paying all of the {$1300.00} per month in payments because Discover refused to offer us any options. My girlfriend had to support me because I had XXXX dollars and many times when I did get some money from my father or from doing an odd job like participating in research study for a measly {$60.00}, I would just give it to her to try and help with bills. Needless to say, the relationship crumbled and I was XXXX and I packed up my stuff and had to move home. I arrived back home in XX/XX/XXXX and started applying for jobs. I had missed 3 months of payments because I had no money and now had to play catch up by making sure I did not default. I went for an interview in XX/XX/XXXX in a position working as a XXXX XXXX. I did not hear back until XX/XX/XXXX. In between that time, I applied to hundreds of other jobs. My father talked to everyone he knew ; my mother did the same and even my step-mother helped and found me things to apply to. I spoke with countless people retooling and revising my resume again, but no one could do anything about getting me a job or even an interview. I still wasnt getting interviews no matter what I did. When I got called in for an interview for the XXXX XXXX position, I finally gained a full-time job for the first time since XX/XX/XXXX. I started in XX/XX/XXXX making {$53000.00} per year. Finally, around that time Discover came out with a program to reduce my payments for 3 months or 6 months I believe, provided I make 6 months of on-time payments, which I did. I was grateful for that but clearly my financial situation wasnt going to change and all the money I saved would just be recycled right back to them after it was up, which is exactly what happened because the payments went up even higher than before I did reduced payments and all the money I " saved '' was gone in 3 months and we had to start all over again. The XXXX XXXX job however was a dead-end. I would never reach a position that would fulfill me or pay me a high enough salary to justify the money I took out for student loans between XXXX and XXXX XXXX. So I searched for something better and found it at a prestigious XXXX XXXX in XXXX XXXX XXXXXXXX. I started in XX/XX/XXXX. I received an offer for {$50000.00}, which was less than what I was making, but this was one of the most prestigious XXXX in not only the country, but the world. I knew there were endless opportunities for advancement and I was excited. However, that died quickly. I made it clear I wanted to eventually work my way into an XXXX XXXX position, and the XXXX was receptive of the idea. However, within 6 months and a couple reviews with my bosses they made it clear that it would be next to impossible for that to happen. Feeling lied to and cheated I left the XXXX in XX/XX/XXXX with the hopes of working for XXXX XXXX. A relative worked there and a position opened up and she was able to get me an interview. All the paperwork was being finalized and I had received a preliminary offer, only to have it rescinded when it was brought to the head of Human Resources, who said because I would be reporting to my boss, who was also my relative 's boss, even though our work was unrelated, it was a conflict of interest. So once again, I was out of a job. I applied to 1200 jobs in the next six months. I again reworked my resume, revised my cover letters and still only received 12 interviews, 6 of which were with job placements agencies, who all promised to get me work but never could. Only one agency even responded after our initial interview. Everyone said all I had was legal experience and because I went to XXXX XXXX no one was going to hire me as a paralegal. So now I am being blacklisted from being a paralegal even though I had a XXXX XXXX! It was the most ridiculous thing I had ever heard. Around 50 % of employers wont consider a XXXX XXXX ( XXXX. degree you received from graduating XXXX school ) for a XXXX position, for whatever reason. Either, I didnt complete a XXXX certificate, or they thought once I passed the XXXX XXXX I would leave. In a way it was like I was overqualified but at the same time underqualified. Many of the people at these agencies said I was in a really bad spot and all of them suggested I just sit for the XXXXXXXX again because being an XXXX was all that would help me. So basically, I had no options. I took the XXXX XXXX six times and I didnt pass it. They only offer it twice a year and I had to work during that time so what am I supposed to do if no one will hire me? Again, loans kept piling up as they had been for 10 years at this point. Finally in XX/XX/XXXX I got hired doing contract review work as a XXXX. {$25.00} per hour, no health insurance, no benefits. Just 40 hours per week. I worked there until XX/XX/XXXX where by a stroke of luck I visited a friend from XXXX XXXXl prior to attending another friends wedding. His wife was working at a startup and offered to talk to her boss and try to get me hired. I didnt think much of it until she said I would have a phone interview with him next week. When it came time I was prepared, we spoke for about 45 minutes. The next day he offered me the job I currently have now. I started in XX/XX/XXXX and I work as an XXXX XXXX making {$55000.00} per year. I now live with my girlfriend. We moved out here because she was relocated for her new job. I work from home so I can work from anywhere. The past year my payments had been reduced substantially from {$1200.00} to {$420.00} per month. This has helped a lot but it is still not enough. It is insanely expensive out here but we came for my girlfriends job. I make {$3000.00} per month after taxes, insurance, etc., so calculating all my expenses and subtracting them for that I am left with around $ 50-100 for myself which I can not even save because it has to go to Discover, and my father helps me with the rest. Basically, I am operating in the red as it is and have been for quite some time. I have XXXX savings, no 401K, no pension, no other benefits at all. It would be nice to save money for you know this thing called life. But Discover is stripping me of those privileges to have a normal life because you force me to pay what will now be {$1300.00} per month because of another variable rate increase, and are no longer offering me any assistance and are refusing to reduce my payments. Sure, they offered me reduced payments for a year. Big deal! Unless you win the lottery or somehow magically get a raise to {$200000.00} per year your financial situation isnt going to change in a single year. I will never be able to pay off this debt in my lifetime, given the insane amount of interest you are charging me. If you simply just stopped charging me interest I would have a chance to pay it off. My original loan amount for XXXX was approximately {$110000.00}. Currently, my balance is {$100000.00}. How is that possible?! That is the most ridiculous thing I have ever heard. I have paid Discover, XXXX, XXXX, ( whichever lender handles my student loans now since they change so frequently ) approximately {$50000.00} to {$60000.00} over the lifetime of this loan. Yet somehow my balance is MORE than it was when I graduated from college in XX/XX/XXXX. It makes absolutely no sense. You have already been paid that money. The logical decision to make here, really the only educated decision, that will ensure I pay this off, which is what Discover should want, is to stop the interest from accruing and let me pay off my Principal Balance. I am not trying to get out of paying my student loans completely, I want to pay them, but I can not afford what amounts to a second rent payment per month. I do not make that much money and I do not see that changing anytime soon. I am more than willing to fulfill my end of the agreement when I signed for my student loans and entered into a contract. All I am asking for is a little help so I can make these payments while still being able to afford all other necessities and try and start a life with my girlfriend. At this point we will NEVER be able to own a home. Therefore, I propose three options : 1. Grant me additional deferrment/forbearance. My financial situation is not going to change overnight, but I feel I have a good job with room to grow and I am finally happy at it, which is the most important thing. If I did not have to make a payment for five years ( 60 months ) ( NOTE : WITHOUT INTEREST ACCRUING ) this would allow me to save money and put me in a much better position financially so I could pay a higher amount per month, such as ~ {$1200.00}. This option only works if interest does not accrue during the forbearance time. After completion of the five years I would resume making full amount ~ {$1200.00} payments until my Principal Balance is paid off. We can figure out the exact figures this is just an estimate ( Again, this only works if NO interest accrues ) 2. Stop the interest altogether and subtract what I have paid from my original balance. I have paid you approximately {$50000.00} from my calculations, give or take. My original loan amount was approximately {$110000.00}. Subtract that and I have {$60000.00} remaining. I will then pay {$1000.00} per month for five years ( 60 months ) and the loan will be paid off and removed from my records. We can figure out the exact figures this is just an estimate. NOTE : This option also only works if there is NO INTEREST ACCRUING. 3. Reduce my payments permanently. I was able to manage paying the {$420.00} per month right now. It is difficult to pay more without incentive to do so, especially since I am basically only paying interest and not any of the principal, as evidenced by the fact that I still somehow have {$100000.00} remaining, even though I have paid you around {$50000.00} which has basically been all interest. Clearly thats not fair. However, if the interest means that much to you I will continue paying it if you lower my monthly payments permanently. With this option, I will pay {$270.00} per month and will pay the remaining {$100000.00} with NO ADDITIONAL INTEREST from this point forward. Clearly the idea here is to allow me to pay them off and not have me paying them until the day I die, and I should be afforded that option on my terms. By my calculations {$100000.00} divided by {$270.00} = 378 months or 31 years 6 months, so I will pay off these loans by retirement age of XXXX years old. Even with this option, you will have made approximately {$40000.00} off of me. Again, we can figure out the exact figures this is just an estimate. I offer these options because, again, I am not trying to get out of these loans. But I am not paying one cent more in interest. I owe you approximately {$110000.00} in total, not {$110000.00} plus $ 50,000+ in interest. I took these loans out when I was only XXXX years old, with the help of my parents, who were in a much better financial position than they were a mere 3 years later. Sure we took out the loans, but we also didn't ask for the XX/XX/XXXX market collapse. But to make me pay {$1300.00} per month, while interest accrues means I will never pay them off in this lifetime. Couple that with the fact that I also have federal student loans for XXXX XXXX and I am certainly never getting out of debt unless I somehow win the lottery or come into a lot of money by some other miracle. I will never be able to own a home, put my own future children through college, etc. I can not even get a credit card even though my credit score is XXXX, because I have too much total debt. Please afford me the opportunity to pay off this debt by changing the terms. Pick one of the three options, or I would certainly be open to having a dialogue where we could discuss another option that maybe you come up with. I can not pay {$1300.00} per month without knowing what is in store for the future of this loan. I need guidelines and I need deadlines. Help me so we can come to an agreement. Also, please do not give me an explanation about the whole if you make an exception for me you have to do it for everyone nonsense. That is a cop out. You have every right to make your own decisions on my behalf and other borrowers do not matter and have no bearing on my situation. I am the one putting forth all the effort to better my current situation and help me plan for a future I would like to have, without this crippling debt ruining it. I apologize for the length of this letter I just wanted to make sure you knew the whole story. If you have any questions do not hesitate to contact me. Thank you for your time and I hope we can discuss my options soon. Respectfully, XXXX
09/03/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MD
  • 210XX
Web
- The issue concerns a Discover credit card security deposit that was supposed to be returned to me, but I have yet to receive it after nearly two months. - XX/XX/XXXX : I received an email indicating that I became eligible to have my security deposit returned to me in the form of a physical check. The security deposit was {$200.00}, so Discover indicated in this email that I " should receive the check in the mail in 5-7 business days '' in the amount of {$200.00}. There was no action needed on my part for the check to be mailed ; it was presumably mailed out on XX/XX/XXXX. - XXXX XX/XX/XXXX : This was the time frame in which I should have received the check in the mail going off the " 5-7 business days '' stated in the initial email. - XX/XX/XXXX : I contacted Discovers support team via the Discover mobile app. I was connected to a support agent named XXXX in our XXXX XXXX XXXX location. She stated that the check was processed on XX/XX/XXXX [ one day before I received the initial email ] but can take up to 30 days to be received. I know that the letter [ initial email ] that was sent to you said 5-7 [ business ] days. Im sure sorry about that. She then stated that if I still have not received it by XX/XX/XXXX ( 30 days from XX/XX/XXXX ) I should contact them again. I responded by asking Why was I quoted 5-7 [ business ] days [ in the initial email ]. She replied It usually takes 5-7 [ business ] days but can take up to 30 days. This 30 days was not stated in the initial email. The chat sat idle so we got disconnected, so I contacted them again. - XX/XX/XXXX : I reached the agent XXXX here in XXXX XXXX XXXX via the app shortly after I was disconnected from XXXX. He stated that Discover had today ( XX/XX/XXXX ) forward [ XXXX ] [ me ] information for an investigation and resend of [ my ] security deposit. I never received this information, which would have been sent via the apps secure inbox platform or via email. I was then transferred to another support agent. - XX/XX/XXXX : I reached XXXX in XXXX, who stated that the check usually takes 3-7 business days to arrive. This 3-7 business days figure was slightly inconsistent with the 5-7 business days quoted elsewhere, but concern was relatively insignificant. He then stated that Discover must allow up to 30 days before resending a check to account for possible mailing delays. His statement indicated that 30 days after the initial processing date ( which was XX/XX/XXXX per XXXX ), Discover would be able to resend the check. In other words, his statement led to the reasonable conclusion that the check would be resent ( mailed out ) on XX/XX/XXXX. This was later shown to be incorrect, as a later support agent would go on to detail there being a lengthy investigation process required after the 30-day mark. The check would not be resent until after the investigation was complete, so it certainly could not have been resent on XX/XX/XXXX as XXXX suggested. XXXX then asked me to confirm my mailing address, which I did. I was then transferred to another agent. XXXX XXXX : I reached XXXX in our XXXX XXXX XXXX who stated that the mailing address I typed matched the one on file. XXXX then stated that the check was requested on XX/XX/XXXX, which contradicted the XX/XX/XXXX indicated by XXXX. He said that if I havent received it within 30 days from this date XXXX XX/XX/XXXX XXXX, we can request a new check [ to be ] reissued and this one stopped. This led to the reasonable conclusion that a new check would be requested on XX/XX/XXXX. XXXX prior statement indicated the check could be mailed out on the 30-day mark ( no mention of an intervening investigation process ), and XXXX also failed to mention this investigation process. Without knowledge of this process, I took requested to mean resent or mailed out. XXXX may have been unaware of the intervening investigation process, or assumed that I had already been informed of the process and intended the word requested to indicate the launch of the investigation process that, once concluded, would then lead to the check getting mailed out. Thus, my conversations with XXXX and XXXX led me to believe the check would be resent/mailed out on either XX/XX/XXXX or XX/XX/XXXX. In reality ( as I would later discover ) this would be the point at which the investigation would be launched, not when the check would be mailed out. - XX/XX/XXXX : I contacted Discover again via the app, and connected with XXXX in XXXX XXXX XXXX. It had only been 28 or 39 days since the check was first requested/processed/mailed out, but I wanted an update before the check was resent on day 30. XXXX stated I have sent the information to the department that can arrange to have your deposit resent. I have requested it to be deposited into your checking account on file. XXXX statement led me to believe that on the 30-day mark ( XX/XX/XXXX or XX/XX/XXXX ), Discover would initiate a direct deposit to my checking account in lieu of a physical mailed check. I asked how long it would take to see the funds in my account, and he responded The [ y ] would need to review the information on the old check befor [ e ] it can be resent, with [ in ] 3 to 7 days. This was the first time I heard of a review/investigation process, but his phrasing did not indicate that it would be a significant amount of time. I made the reasonable conclusion that he meant to say that the direct deposit would be initiated 3-7 [ business days ] after the 30-day mark, meaning I would see the funds in my bank account between XX/XX/XXXX and XX/XX/XXXX. In hindsight, XXXX mistake-ridden, broken English should have made me ask for clarification to confirm that he meant the direct deposit would be initiated on the 30-day mark, rather than when they would begin to review the information. - XX/XX/XXXX : I contacted support via the app to confirm that the direct deposit had been initiated, and reached XXXX from Utah. She stated that on XXXX we set up [ an ] investigation to have your security deposit mailed out which can take 23-27 days. This statement was extremely vague ; I wasnt sure whether she meant the investigation would take 23-27 days from XX/XX/XXXX, if the investigation would take 23-27 days from the 30-day mark, of if the check would take 23-27 days to arrive after being mailed out at the conclusion of the investigation process. In a later conversation, I discovered that none of these assumptions were correct. This conversation continued on XX/XX/XXXX. - XX/XX/XXXX : Picking up the previous conversation, I asked XXXX why she mentioned the second check getting mailed out when XXXX had previously stated that I would be receiving it via direct deposit. She replied I am very sorry for the information you received from XXXX previously and I know this must be frustrating for you. Unfortunately, we are not able to do a direct deposit of the security deposit return. A check must be mailed out for that. XXXX had thus given me incorrect information. Furthermore, if XXXX had requested it to be deposited into [ my ] checking account on file as he claimed, the responsible department would have told him that this was not possible. Thus, XXXX either never submitted this request, or he submitted it and was informed that it was not possible, but failed to notify me of this. I should have been informed by support at that time, instead of five days later when I had to proactively contact them myself. XXXX also stated that the department re-issuing the check must first research that the first check was not cashed before they can reissue a new check which can take up to 10 business days. This was the first genuine mention of the investigation being a lengthy process, rather than a quick double-checking. Somehow, this two-week investigation process had not been mentioned by any of the prior support agents. With this in mind, the review process should have begun on XX/XX/XXXX or XX/XX/XXXX, and concluded on XX/XX/XXXX or XX/XX/XXXX ( 10 business days later ). By XX/XX/XXXX or XX/XX/XXXX, the check should have been resent/mailed out. XXXX then stated that once the check is reissued after the two-week review process, it can take an additional 13-17 days for the check to arrive. All previous support agents indicated that that the mailing time would be anywhere from 3 to 7 business days. To be conservative, factoring in a potential 1 or 2-day gap between the date it is issued and the date it is mailed out all previous agents indicated that, at most, I would receive the check in my mailbox within 9 business days. This is yet another example of contradictory information provided by support. XXXX then stated that We did not submit a new check request previously because 30 days had not passed. Im happy to take care of this now. Since the 30-day mark was either XX/XX/XXXX or XX/XX/XXXX, this is incorrect. My prior conversation with XXXX was on XX/XX/XXXX, at which point the reissue/investigation process should have commenced. Even if XXXX had genuinely believed the 30-day mark had not been reached on XX/XX/XXXX, she should have commenced the investigation on XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX without me needing to once again proactively contact her myself. There is zero accountability here ; nothing happens in this process unless I hold their hand like a child and tell them to do it. Without my constant prodding, my case would inevitably get lost by Discovers support staff. XXXX asked me to confirm my address, which I did. The request for a new check was finally submitted on XX/XX/XXXX, pending the two-week review process. I responded by explaining how upset I was over this entire ordeal, to which XXXX responded that we did send the initial check out on XX/XX/XXXX. If she knew that the check was mailed out on XX/XX/XXXX, then she should have also known that the 30-day mark would have been reached on XX/XX/XXXX. Somehow, she failed to initiate the review process during our conversation on XX/XX/XXXX despite knowing that the 30-day mark had been reached. This contradicts her assertion on XX/XX/XXXX that the 30-day mark had not been reached by the time of our prior conversation on XX/XX/XXXX. XXXX then states that the check should arrive no later than XX/XX/XXXX. This claim seems to be following the maximum 30-day mailout time ( she is suggesting that the new check is getting mailed out today on XX/XX/XXXX ). This contradicts her earlier assertion that a review process ( maximum of 10 business days ) would need to be conducted before the check was mailed out. Prior agents have contradicted each other, but XXXX has somehow managed to contradict herself once again. At this point, it is still unclear whether I should receive the check no later than XX/XX/XXXX, or no later than XX/XX/XXXX ( factoring in a maximum of 10 business days for the investigation process that was supposedly initiated by XXXX on XX/XX/XXXX ). XX/XX/XXXX : I contact support via the app seeking a status update, since I am not confident that XXXX actually initiated the request, and reach XXXX from Delaware. She asks if I am referring to the check we had requested to be sent back out on XX/XX/XXXX. She responds I certainly understand your concern with the check we had sent back out, which implies that the second check has already been mailed, and had already passed through the review process. She reiterates that It will arrive no later than XX/XX/XXXX, and with the maximum 30-day mail-out window in mind, she is again implying that the check was mailed out on XX/XX/XXXX. Either the review process took less than a day XXXX unlikely given maximum of two weeks ) and the check was mailed out the same day it was requested on XX/XX/XXXX, or XXXX is ignorantly parroting the 30-day rule after skimming over my past conversation with XXXX and ignoring the lengthy review period. I then asked for clarification. Despite implying that the check had been mailed out on XX/XX/XXXX, XXXX contradicts herself by stating that the review process is ongoing, and only once Discover find [ s ] that the first check wasnt cashed, theyll send [ me ] another [ check ] but it does take a bit of time for that investigation. Since the review process began on XX/XX/XXXX, today ( XX/XX/XXXX ) would only be two business days into the maximum 10-business day investigation. XX/XX/XXXX : I contact support via the app seeking an update, since they are now 6 business days into the review process if they indeed began the investigation on XX/XX/XXXX. Given their track record of lacking accountability, I wanted to again confirm that the review process had begun. I reach XXXX in Delaware. She says I see the check was requested again on XX/XX/XXXX. This contradicts XXXX and XXXX assertions that the check was requested on XX/XX/XXXX. However, she then states that the delivery time could take 13-17 days from when it is mailed out and that I can expect the new check within 17 calendar days from the XXXX. Given the two aforesaid statements, XXXX seems to be implying that the check was mailed out on XX/XX/XXXX, contradicting her claim that the request was submitted on XX/XX/XXXX. Optimistically, I believe at this point that the check was indeed requested by XXXX on XX/XX/XXXX ( review process also began on this day ), and that the review process ended quickly and the check was mailed out on XX/XX/XXXX, and that XXXX is simply conflating requested and mailed out. I respond Are you saying that the review process ended on XX/XX/XXXX, and that the check was also mailed that day?. XXXX replies Yes on the XXXX [ XX/XX/XXXX ] is when it was mailed to you. XX/XX/XXXX : Despite Ashleys unequivocal statement that the check was mailed out on XX/XX/XXXX, I once again contacted support via the app and reached XXXX in XXXX XXXX. He stated that On XX/XX/XXXX, your previous check was stopped and our team that does review these checks was sent the information to issue a new check Please allow 7-10 days for delivery. If you do not receive it by XX/XX/XXXX, please let us know. XXXX seems to be implying that the request for a new check was submitted on XX/XX/XXXX, instead of the check actually getting mailed out on XX/XX/XXXX, contradicting XXXX. By quoting XX/XX/XXXX as the maximum delivery window and considering the established 30-day rule, XXXX implies that the check wasnt mailed out until XX/XX/XXXX. This is another example of agents contradicting each other. XX/XX/XXXX : I contact support again via the app seeking an update, and reach XXXX in XXXX XXXX XXXX. He states that my check of {$200.00} was sent XX/XX/XXXX. Please allow 7-10 days to receive it. By stating that it wasnt sent until XX/XX/XXXX, he directly contradicts both XXXX ( who implied it was mailed out on XX/XX/XXXX ) and XXXX ( who outright stated it was mailed out on XX/XX/XXXX ). I am then transferred to another agent. XX/XX/XXXX : I am transferred to XXXX in XXXX, Utah. She states that the check was resent on XX/XX/XXXX, contradicting both XXXX and XXXX but lining up with XXXX claim. When I asked XXXX why XXXX and XXXX had stated the check was sent a week prior, she dismisses my claim by stating that there is a 2-day discrepancy. This vague excuse may have been concocted by XXXX when she noticed that I spoke to XXXX on XX/XX/XXXX and saw that the check was mailed out two days later, hence the 2-day discrepancy. However, this doesnt make any sense, since XXXX was simply confirming that the check had been mailed out by the prior agents ( XXXX ), and no action was taken on XX/XX/XXXX. Either XXXX crafted this XXXX discrepancy lie in place of a real explanation, or XXXX failed to have the check mailed out and it wasnt mailed out until my prodding on XX/XX/XXXX prompted XXXX to have the check mailed out. In the latter case, XXXX was thus lying when she stated that it was mailed out on XX/XX/XXXX if she had indeed handled the mail-out herself on XX/XX/XXXX. After I went into more depth explaining my conversation on XX/XX/XXXX with XXXX ( in which XXXX states the check was mailed out on XX/XX/XXXX ), XXXX states I am sorry for the incorrect information provided by XXXX and do show the check was mailed on XX/XX/XXXX. XXXX asks me to confirm my mailing address, which I do. XX/XX/XXXX : The most recent mail-out claim, XX/XX/XXXX, was 9 days ago. At this point, its abundantly clear that I will not be receiving a check and that cycling through Discovers vacuous support agents wont do anything to change that. I find it hard to believe that Discovers staff can be this incompetent, and am concerned that there may be more to this story. Given the immense financial strain put on consumer financial firms such as Discover by the ongoing pandemic, I am fearful that I could be the victim of some form of impropriety. I remain optimistic that this is not the case, but I will continue to pursue all possible avenues until I am made whole. I opted not to attach screenshots of my conversations with support due to the large amount of personal information scattered throughout, but can provide this to CFPB or Discover upon request.
09/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32566
Web
PART 1 ( part 2 has been sent ) [ DISCOVER ], In the intricate dance of consumer rights, the onus to safeguard privacy and data integrity rests upon entities such as yours, entrusted with the sanctity of consumer information. Today, I present to you an orchestrated symphony that interweaves the legal tapestries of the Fair Credit Reporting Act ( FCRA ), the guidance of the Consumer Financial Protection Bureau ( CFPB ), and the resolute voice of an informed consumer. 1. Ethical Restoration vs. XXXX XXXX : A moment of profound significance stands before you, a juncture where the ethical restoration of consumer rights converges with the threat of legal pursuit. Choosing the former offers mutual benefit, while disregarding this juncture heralds a formidable legal challenge. 2. Acknowledgment of Alleged Debt : I wish to underscore that I am cognizant of the alleged debt that lingers in the annals of your records. However, my primary concern doesn't revolve around the existence of this debt ; it pertains to the many myriad ways in which your agency has violated the core tenets of my rights as a consumer. 3. Violation of Privacy and Consumer Rights : My consumer rights, akin to the threads weaving the fabric of democracy, have been egregiously violated by your actions. The sanctity of privacy, a cornerstone of consumer protection laws, has been disregarded. You have surfaced actions leveraging my personal and financial information for purposes beyond the scope of permissible usage, an act that reeks horribly of intrusion and transgresses ethical boundaries. 4. An Oath Betrayed : The very essence of your agency 's existence is rooted in the promise to uphold the sanctity of consumer information and privacy. Yet, the actions betray this oath, painting a harrowing picture of an entity that has strayed from its intended path. It is my undeniable right, as a consumer, to have my sensitive information guarded zealously, a promise you have failed to fulfill. 5. The Irrevocable Nature of TrusXXXX : XXXX is an intangible yet invaluable currency that forms the bedrock of any consumer-business relationship. Your agency 's actions, replete with disregard for my privacy and consumer rights, have irreversibly eroded this trust. The breach in this trust transcends the confines of financial matters, touching upon the very principles that underpin ethical business conduct. XXXX. The XXXX Footprints of Your Actions : The weight of your agency 's actions reverberates far beyond the confines of financial transgressions. It has ventured into the completed realm of privacy invasion, wherein my sensitive data has been mishandled and manipulated without proper consent or legal authority raising many alarms. The repercussions of such actions echo loudly in the corridors of my consumer rights, rights that are non-negotiable and legally protected. XXXX. A XXXX for XXXX : In light of these transgressions, I implore you to extricate the alleged debt from my consumer report promptly. This is not a mere request ; it is a demand steeped in the principles of consumer protection laws. By law and by right, I reserve the authority to bar your agency and its affiliates from reporting any information on my consumer report ever again from the moment this letter is received. This is not an option ; it is an inherent right that no entity can deny. XXXX. A XXXX to XXXX XXXX Rights : Your decision at this XXXX is pivotal, for it speaks volumes about your commitment to ethical conduct and consumer protection. The rectification I demand is not a mere formality ; it is a testament to your agency 's willingness to mend the breaches and violations it has caused. Your recent correspondence dated [ XX/XX/XXXX ] arrived at my attention, outlining the status of my alleged debt with your institution. Specifically, the correspondence dated [ XX/XX/XXXX ] pertained to the account charged off on XX/XX/XXXX, with a balance of {$2000.00}. Reporting on my consumer report. It has come to my attention that subsequent to the account charge-off, my information was disclosed to several external entities for further collection efforts. Notably, the account was entrusted to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was never disclosed of this matter. It was brought to my attention. This transference of my sensitive information is a clear violation of my consumer privacy rights. It is extremely imperative that my data remains confidential and not subject to unauthorized dissemination. By engaging in such actions, your institution has breached both the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations governing the confidentiality of my consumer data. Furthermore, the decision to label the account as 'disputed ' upon my raising concerns is not only inadequate but also in direct violation of my rights. The erroneous representation of my dispute status to credit reporting agencies is a transgression against the regulations outlined in the FCRA, specifically XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX are entrusted platforms for the dissemination of accurate consumer data. Your institution 's engagement in reporting disputed status without due cause infringes upon my consumer rights and has inflicted damages upon my financial well-being. By continuing to report this disputed status without proper substantiation, you have not only perpetuated inaccuracies but also engaged in a form of harassment and abuse under the FDCPA. This violates 15 U.S. Code 1692e ( 8 ), wherein false representations or implications of the character, amount, or legal status of any debt are deemed as abusive and deceptive practices. I insist upon the immediate rectification of these violations by : 1. Ceasing any further reporting of the disputed status to the credit reporting agencies listed above. 2. Removing the disputed notation from my credit reports as expeditiously as possible. This juncture presents an opportunity for your institution to uphold ethical conduct, restore my rights, and align with the CFPB 's principles of consumer protection. Failure to comply with my demands immediately from receiving this information. I will render your institution liable for each violation committed against me and my consumer rights, especially the violations that are are in direct conflict with my valuable privacy which will be pursued in accordance with the remedies stipulated in the FDCPA and FCRA. XXXX Access to Personal Information : By collecting and verifying sensitive personal information without obtaining written consent or providing proper disclosure, you have violated the principles outlined in XXXX XXXX XXXX XXXX XXXX XXXX to Provide Clear Disclosure : Your failure to provide comprehensive and transparent disclosure of the information you obtained and reported, as required by XXXX XXXX XXXX XXXX, XXXX a breach of your obligations. XXXX. XXXX and XXXX Violations : Neglecting to maintain accurate and up-to-date information about the alleged account, in direct contravention of XXXX XXXX XXXX XXXX, has led to inaccuracies that undermine the integrity of the reported data. XXXX. Unauthorized Credit Report XXXX : By accessing and reporting on my credit reports without a written permissible purpose, you have directly violated XXXX XXXX XXXX XXXX, which stipulates the circumstances under which such access is lawful. XXXX to Update XXXX Accounts : Your failure to update the accounts status after verification, as required by XXXX XXXX XXXX XXXX, demonstrates a disregard for your responsibilities in the debt collection process. Furthermore, I must highlight a concerning breach of my privacy that has occurred due to the actions of XXXX from the XXXX XXXX XXXX XXXX XXXX. Her referral of my account to a debt collector without my explicit consent is a huge violation of my consumer rights and my right to privacy. This unauthorized sharing of my personal and financial information further compounds the violations that have already taken place. It is essential to emphasize that XXXX or any XXXX XXXX XXXX XXXX XXXX, do not possess any legal authority to disclose my private information or to initiate debt collection activities without my explicit written consent. Such actions undermine the principles of privacy protection that are central to consumer rights, causing even more clear damages and violations. I demand that you promptly stop breaching my privacy. XXXX steps must be taken to rectify this unauthorized sharing of my information and to prevent any similar occurrences in the future. As a consumer, I have the right to expect that my privacy is respected and upheld at all times. To make this more clear to you In the intricate tapestry of consumer protection and data privacy, there exists a boundary where ethics and regulatory adherence converge. Today, I beckon you to this XXXX, guided by the enigmatic language of the Fair Credit Reporting Act ( FCRA ), the judicious oversight of the Consumer Financial Protection Bureau ( CFPB ), and an uncompromising dedication to the intricacies of consumer rights. XXXX. Ethical Redress vs. XXXX XXXX : A choice looms before you, XXXX that bifurcates into XXXX distinct trajectories. Should you opt for the path of ethical redress, this ordeal finds its conclusion with mutual benefit. On the contrary, should you disregard this overture, my resolve to pursue legal remedies shall be resolute, unwavering, and XXXX. Acknowledgement of XXXX XXXX : A sagacious perspective necessitates that I acknowledge the existence of the alleged debt. However, the XXXX of this discourse resides not in the veracity of the debt, but rather in your agency 's transgressions that breach the walls of consumer rights and ethical conduct. XXXX. Failure to XXXX XXXX and XXXX : In the labyrinthine corridors of the FCRA, the foundational principles of consent and disclosure stand sentinel. Your agency 's actions, echoing as a clarion call of transgression, have breached these bastions. This, in turn, has corroded the edifice of ethical behavior that should underpin credit reporting practices. XXXX. Unlawful Clambering into XXXX XXXX : The gravity of unauthorized access to credit reports can not be underestimated. Your agency 's audacious breach of this sphere infringes upon privacy and eviscerates the trust reposed in you. A lucid explanation for this intrusion and an immediate rectification are demanded, reflecting your agency 's commitment to compliance. XXXX. Persistence of XXXX and XXXX Violations : At the crux of the FCRA lies the mandate for the accuracy and integrity of reported information. By choosing not to update verified accounts, your agency continues to perpetuate inaccuracies that resonate far beyond the immediate realm. Rectification is imperative, and only through it can the integrity of reported information be restored. XXXX. The XXXX of Investigative Diligence : The FCRA mandates the fair and expedient investigation of disputes. Alas, your agency has faltered in this crucial realm. for it is both the crux of compliance and the embodiment of your agency 's commitment to consumer rights protection. XXXX Missing Adverse XXXX Notice : The omission of an adverse action notice echoes as a glaring transgression. XXXX redress is sought, for such notice not only safeguards compliance but empowers the consumer to make informed decisions. The absence of this notice demands an explanation and a commitment to future compliance. XXXX. Protectors of XXXX XXXX : Consumer data protection, enshrined in FCRA 's security measures, underscores the importance of safeguarding information. Your agency 's failure to maintain such measures raises questions about the safety of personal data : A Precious Commodity : The sanctity of consumer information is integral to the FCRA 's architecture. Your agency 's actions, which transgress the boundaries of written permissible purposes, infringe upon consumer rights. The ensuing violation demands rectification, accompanied by a steadfast commitment to ethical conduct moving forward. XXXX. The XXXX to Uphold CFPB Regulation : The CFPB regulations constitute a beacon that illuminates the path of ethical conduct. I implore your agency to navigate this path with an unwavering commitment. The transgressions herein are a testament to the necessity of this adherence and the potential consequences of its disregard. In the crucible of these violations and the imperative for remediation, time no longer exists as an abstract concept. It metamorphoses into an inexorable force that underscores the urgency of your response. The choice I present is multifaceted, encompassing ethical rectification and the ceaseless pursuit of legal remedies. XXXX. Option XXXX - The Path of Ethical Rectification : By embarking upon this path, your agency chooses to restore consumer trust and uphold the mantle of ethical conduct. This entails the immediate deletion of the alleged debt from records on my consumer report, cessation of all collection activities, provision of written confirmation to CFPB. XXXX. Option XXXX - The Precipice of Legal Consequence : XXXX ethical rectification not find favor, the path of legal intervention remains which includes many of your violations. Each violation committed shall attract reparation. My unwavering commitment to consumer rights propels me to embark upon I wish to draw Discovers attention to the Fair Debt Collection Practices Act ( FDCPA ), which was established to protect consumers from abusive, deceptive, and unfair debt collection practices. There is abundant evidence that numerous debt XXXX, including your agency, engage in these practices, which contribute to personal bankruptcies, marital instability, job losses, and invasions of individual privacy. Specifically, the violations of XXXX XXXX Code XXXX - Acquisition of location information and XXXX XXXX Code XXXX - Communication in connection with debt collection are of utmost concern, and I hold Discover accountable for any violations committed by your agency. The FDCPA mandates strict compliance with these provisions. XXXX XXXX XXXX XXXX - XXXX of location information : Debt XXXX, including Discover, must adhere to the guidelines outlined in this section when attempting to acquire location information. Failure to do so is a violation of the FDCPA. XXXX XXXX XXXX XXXX - XXXX in connection with debt collection : XXXX ( a ) clearly states that a debt collector, such as Discover, XXXX not communicate with a consumer regarding the collection of any debt without the prior consent of the consumer or the express permission of a court of competent jurisdiction. It is imperative that this regulation is adhered to in all communication related to debt collection, and I hold Discover responsible for any violations in this regard. Cease and Desist Communication Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am hereby formally notifying Discover and any affiliated debt XXXX or creditors, including but not limited to XXXX XXXX XXXX XXXX XXXX, that I am exercising my rights under the law. I unequivocally refuse to pay the alleged debt that you claim. Furthermore, I am invoking my legal right to cease all further communication with me, whether directly or indirectly, regarding this debt. This request is made in accordance with the FDCPA XXXX. Henceforth, any communication with me or any third parties about this debt must strictly adhere to the FDCPAs guidelines : XXXX of Further Efforts : You are advised that any further efforts to collect this debt from me are hereby terminated. XXXX. Notification of Specified Remedies : I understand that you or the creditor XXXX possess certain remedies ordinarily invoked in such situations. However, any communication must explicitly pertain to the invocation of these remedies, should you choose to exercise them. Please be advised that, in accordance with the FDCPA, this cease and desist notice is effective immediately upon your receipt of this letter. Any further violation of my rights, as outlined in the FDCPA, will result in legal action against Discover and any affiliated parties involved. Respect my rights as a consumer and adhere to the legal obligations outlined in the FDCPA. Your cooperation in this matter is expected and non-negotiable. Violation of Fair Debt Collection Practices Act ( FDCPA ) *****NOTICE THIS IS NOT THE END***** XXXX correspondence has been sent immediately after this document and I encourage you to request it from CFPB if not accessible.
10/31/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • KS
  • 672XX
Web
RE : XXXX XXXX NMLS ID XXXX Personal Banker, Discover Home Equity Loans XXXX XXXX ext. XXXX My office hours are [ Monday-Friday ] from [ XXXX ] ET [ XXXX ] ET. P.S. You can upload documents, view your application status, and access helpful tips and tools using your secure online account. Simply visit the link below to register or login : DiscoverHomeEquityLoans.com/login Plus, here are a couple of other ways to send us documents : Fax : XXXX Mail : XXXX XXXX XXXX, XXXX, AZ XXXX XXXX Discover Bank, Member FDIC | NMLS ID XXXX I have found Disocver with many lies/inconsistencies with the information given to me during the LOAN PROCESS! -- The First time I applied I was told I was denied as a result of TITLE ERROR -- Then I get e-mails saying I was denied due to Debt/Income -- Every time I speak with someone different the process gets more confusing and I get different responses -- Last Night when speaking with the SUPERVISOR XXXX He said that in regards to Discover Guidelines the income of an individual belongs to the INDIVIDUAL and can not be counted unless added as a CO-BORROWER. -- - Discover admited that they can take VOLUNTARY Statment in regards to the welfare of a CHILD and counting Income for the child as A CHILD can not be added as a BORROWER to the application -- - The Supervisor tried to tell me that I stated that my FATHER was paying child support which is not true. When speaking with XXXX I was VERY CLEAR that GRANDPA sent funds to help out with the Family on A regular basis and she in order to count that income asked if I could get my Father to sign a voluntary Agreement that he would continue to send his Gracious help/support to the Family. I told her that was rude and I did not feel comfortable asking GRANDPA to COMMIT to and sign a voluntary agreement as the Help that he already provides is Gracious & GENeroUS enough! -- - I have E-mails from XXXX XXXX that states they she in fact can accept VOLUNTARY Statement in regards to the welfare & SUPPORT of CHILDREN! -- - My partner and I are not married. We are lifelong partners. We share joint accounts and a child together. I do not think it's fair lending practice to ask me to get a DSHS or a Court ordered separation agreement as we are life long partners and will be together for the rest of our lives. It is our RELIGIOUS right in the eyes of GOD to recognize ourselves as Husband/Wife together especially since we share A CHILD! If all you have to do is have faith in Jesus to be saved does the Word of GOD require man/woman to be recognized by the US GOVERMENT? The word of GOD says A MAN leaves his mother to become one flesh with his partner/wife. If all I have to do is call on the name of XXXX to be saved in the same way GOD by our faith recognizes our marriage because we have joined together as A PARTNERSHIP Husband and WIFE. So, even though we are NOT RECOGNIZED by the local State government with a Certificate we are recognized in the eyes of the LORD GOD ABOVE. Even common Law would most likely recognize us as married as we have been together that long and my daughter will be turning XXXX this year! May I ask this??? If their guidelines say that income is declard by individual? Does not LAW state that a HUSBAND and WIFE can equally share their income??? That is if I consdider my income and she visa versa considers her income my income does that not mean we can each CLAIM each other 's income??? IN the same way can't we VOLUNTARILY claim the income we use for our CHILD? They state their guidlines allow ONE BORROWER even if both are listed on Deed ... So if we by RELIGIOUS reasons Consider ourselves married does that not mean I am allowed to Count her INCOME as MY INCOME. If I were to go down to SOCIAL SECURITY or DSHS they would LEGALLY by GOVERMENT LAW count our income as ONE!!! -- We are JOINT Shared in common Tennants on the Property. Discover made sure that we had to verify/correct the title information before they would even continue with the Loan Process! -- - I have spent HOURS on the PHONE. Hours on uploading.. Hours on Scanning. I have jumped through every hoop requested by Discover Bank to keep up with their requests! -- - I was told that because of my partners score we would mostly likely both be automatically DECLINED. -- -I don't understand why they are so " STRICT '' about her score with a SECURED LOAN but they will gladly add my partner and anyone else to my Credit CARD that is UNSECURED. That is, I have the right to add anyone I want to my credit card as long as I accept responsibility for the charges made to that credit card. How come I have the same amount of UNSECURED CREDIT on a CREDIT CARD with the same DISCOVER BANK Backed Company but I can not get a SECURED LOAN with better interest rate? I feel like I'm being pressured into a 26 % PLUS and higher Vairable APR Interest Rate. Is it not fair to SECURE a LOWER Interest LOAN with collateral? Seems like their fair lending only considers how much INTEREST they are receiving!!! I'm being forced into CREDIT CARD SUICIDE where for the rest of my life the Credit payments they received will barely cover interest.They will gladly give me a HIGH INTEREST CREDIT CARD LOAN but not a SECURED LINE OF CREDIT with collateral!? -- I get some bogus Claim/Statment from DISCOVER BANK that CREDIT CARD LINES are different yet when they discuss " home equity Lines '' with the customer SERVICE Application department ... THEIR DEPARTMENT team compares their LINES of HOME CREDIT to " LINES OF CREDIT CARDS '' .. How can you make a comparison of a line of equity to a CREDIT CARD but then when it comes to the final REVIEW they claim they are completely different lines of CREDIT. Seems like I get pitched one thing in the OPENING Sale but when it comes down to CLOSING I get a different STORY! Looks like only the INTEREST RATE is what matters and they want {$400.00} and Up in interest on a monthly basis instead of allowing us to be financially smart & lock in a LOWER INTEREST SECURED LOAN! -- - I have the GOOD CREDIT SCORE. My Partner has more of the Income Score. Sadly, Phyical Home Equity IMPROVEMENTS only count on the BIG TV HOME IMPROVMENT SHOWS! -- I stated that our family bought a 3 acre Diamond in the Rough Property in XXXX and WE would be fixing the propety up. America was built upon the HARD WORK/SWEAT of the back American worker. Even Seems the Television XXXX XXXX XXXX shows advertise the same AMERICAN DREAM! If I were to Hire someone to do Equity improvment it would cost too much to be worth the Value that you can get doing the HARD WORK YOURSELF! I had a painter quote me $ 3000PLUS for a Job that I can do for {$200.00} total. {$3000.00} would use/eat too much of the loan up and that would make the loan a waste of time. -- -- - I have a FEDERAL COMMERCIAL CLASS A CDL. Federal law states that when I'm supposed to rest i have to REST much like a FEDERAL LICENSED AVIATION PILOT. If I get caught doing home improvement projects on the side, and I hurt someone on the ROAD with a vehciled I will go to a FEDERAL PRISON for endangerment of public safety and transportation. -- - I stated that I am not legally allowed to earn all the possible income that I could right now until these HOME EQUITY projects are Completed! -- - Being we are going to improve a 3 Acre Property to Bring in future RENTAL income on CURRENT property seems like a good investment! -- - The money brought in in the future will pay for it self. In fact if we were to just do the HOME IMPROVEMENTS on the funds that we are requesting we could flip the current property that we just purchased for Profit. -- The Real GOAL is me working HARD so our family can move to a family FARM and increase the Future earnings of our portfolio by adding RENTAL Income by opening a Property available to be put on the RENTAL MARKET. I don't see how this is unwise. I don't see how none of this work and/or money that my partner bring in can't be justified as CHILD SUPPORT as the child would have a BIGGER FARM HOME property to run around on.. A better/bigger home environment to live in. My daughter will learn more about Agriculture/Land and Farming. -- - Do not XXXX/XXXX/XXXX Share their Incomes in Their Partnerships and/or loan applications???????? -- - I don't think it's fair that as joint tennnts with right of survivorship that only one can apply as borrower. Don't you think a Fair lending policy would require joint tennants in common shared ownership to both be put as borrowers on the LOAN? Would YOU WANT your SOLE/LLC/Corporater business partner running off with a Collateral Line of CREDIT on a property??? -- -I was pre approved and then denied because of my personal debt/income ratio. They seem gladly to add my DEBT associated with property ownership but not the income assoicated with commone wealth property ownership! -- - They were unwilling to take a voluntary statment of income used for the Daughter that we share together even though their guidelines say they can take advantage of a voluntary statment. I even have a EMAIL that states they have a VOLUNTARY Statment Option! Yet.. they won't share their actualy guidlines with me for " PROPRIETARY Reason ( S )! '' -- - They claim My partner 's income isHIS/HER income yet since we raise a daughter and in the eyes of GOD for our personal Relgious preferences. WE CONSIDER HER INCOME my income and my income her income and OUR INCOME our DAUGHER '' S INCOME! How do XXXX XXXXXXXX couples claim CHILD Credit Associated INCOME? How do Adopting Parents Claim Income? -- - They said that because the income to the Rental property is filed on my partner 's TAX return they could not count or use any of that income. -- However we have saved every Landlord/Tennant application and can prove that both my partner and I are listed as the listed Landlords. All FUNDS get deposited in our bank. I can legally claim 100 % of the FUNDS to my bank just like my joint partner can claim 100 % of those funds. Again, the Bank considers me to have 100 % access to the same funds as my joint partner with no limit/descrition/discrimination. However, since our accountant for whatever tax reasons filed the tax info under my partner I'm now not allowed to qualify any of that income even though it's fair to assume that income would go to the Benefit of the CHILD as well!! -- Even though they only consider the income of the borrower how can they allow only one person from the deed to apply when both people are on DEED/Partnership should be required to file for a LOAN? so ... if a partner fails to pay the loan does not a BANK by LAW have to ask the Other partner on the Deed if they want to assume the LOAN? That is before a bank can foreclose do they not have to give the Partner who did not borrow a chance to assume the LOAN? Or does the bank get the right to foreclose? How is that fair lending for a partner to lose ownership of A DEED for a partner that goes out and secures a LOAN? Is it fair to let just one partner be a BORROWER? I'm pretty sure that like any other COMMON OWNERSHIP the Law would give the chance for the Partner to take over and assume the responsibility of the the loan to avoid foreclosure/loss of ownership on the DEED! It's not fair for only one partner to be a listed borrower if they weren't given chance to Pay the Loan their Partner took out and could not pay off! -- - So how can they give the Loan to just ONE PARTNER? Why is it not fair to count the INCOME of the other partner as a COSIGNER/GURRANTOR? -- - They are discriminating against my income but using all the debt associated with the PROPERTY. Worst part about it. Even though my partner and I are joint tennants in comnmon with right to survivorship because I am applying for the Loan they are not calulating my income ACCURATELY/properly/correctly. -- They won't count the INCOME of my partner but instead are counting all of my partners debt that is linked to the Property that we share in COMMON wealth together. So, they are charging me 100 % for the TAX/INSURANCE and all other debt associated with the property as if my equal partner has no responsibility for that debt! Is that Fair Lending to not count the income of my both my partner and I for a Property that we share in common wealth together??? Yet, they only want to COUNT ALL THE DEBT to a property that we share in common instead to the BORROWER only??? This makes an error in the calulaiton ratio as they are unfarily Increasing MY DEBT BURDEN that I have to pay/carry when in fact it's fair to asssume the DEBT associated with a property that is shared in TENNANTS in COMMON .. The DEBT linkedto that property should be shared equally with all of the PARTNERS just as it would be shared in court if a JUDGE in a court of LAW would hold all debts assoicated with a PROPERTY as 50/50 shared responsibility of the partners that share ownership of that property in common together! My mother and her 3 sisters owned a property as joint tennants together. They shared the taxes and insurance and all other expenses as that would be normal for any corporation, sole proprietership and or any Normal operating LLC partnership! Aren't my partner and I at the very least considered SOLE Propieters? If my partner and I are Joint tennants don't you think it's fair to recaulate the DEBT/INCOME ratio by taking half of the INSURANCE/TAX BILL OFF that our paratnership would legally share together in a joint partnership? Is it not fair/reasonable to assume that at the very least my joint tennant will pay his/her fair share of Property Taxes and Insurance? How is it fair that they will use a guideline policy that will count/increase the debt of the borrower which would ADVERSELY Negatively affect my debt ratio. So, they will count Incurred Property DEBT Ratio to the borrower, yet not count any of the shared INCOME/expenses of the other party listed on the shared deed in common? How is it fair they won't at least deduct the Insurance/Taxes & other bills incurred by the shared property by Half according to the LISTED/FILED DEED? How is it fair to accept and request a voluntary statment from the GRANDPA who has no PARENTAL Legal RIGHTS but not the Mother who is the LEGAL PARENT/GUARDIAN has no rigths to volunteer her income? We have a joint Retirement account. We have Joint Checking. We share all the FUNDS. I have the voluntary permission to use her funds any time I want in regards to the Daugther that we share together! Since we have a joint account and all money is direct deposited.. Is it not Fair to assume that we equally and share VOLUNTARY the same income brought in for the CHILD? That is I can equally claim her income as mine and she can claim the INCOME as well equally for the CHILD that we share! When and if you apply for Social Security or any type of Financial assistance Every income that is brought into a house is considered in regards to the CHILD as one shared income! That is, all GOVERNMENT agencies count the HOUSEHOLD INCOME as ONE SHARED COMMON INCOME. They do not split the income up individually like Discover BANK is trying to do! I just do not see how it's fair to stick me with 100 % of the DEBT for a PROPERTY THAT WE SHARE in COMMON OWNERSHIP yet I can't count any of her INCOME that we both use in regards to shared ownership! I do not see how it's fair that the INCOME we share. We share the income. We are both on the accounts where the income is deposited and FDIC insured. The bank can not distinguish the difference between her income and my income as we are JOINT/SHARED EQUAL Banking Partners listed on the shared accounts. That is the bank only sees a balance and both of us have access to the same balance and desposits made on the account that we share together in as common wealth! We both have the same debit cards linked to the SAME checking/savings accounts. Is it not fair to count a portion of that income as INCOME for the Well being of the CHILD and/orthe shared partnership as tenants in common? They most certainly have no problem sticking me with Insurance/Tax and all the other financial DEBT ( S ) linked to and associated with the subject property in which the mortage/loan application is being applied for!
07/15/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • KS
  • 67846
Web
I am writing to report a blatant violation of the Fair Credit Billing Act committed by Discover Financial Services. I didnt have to search for very long in the Consumer Financial Protection Bureaus complaint database to find an almost identical complaint that Discover provided monetary relief for. It seems to be a pattern with them. Not only did they violate the act, but they demonstrated gross incompetence with twisting of facts and truth along the way. They literally failed to do their jobs and tasks they told me they would assist with, then had the nerve to blame me for it. First of all, I lost function of my XXXX during a XXXX on my XXXX in XXXX of XXXX. I had to relocate to my hometown to be closer to family. I have since regained some function and ability to live independently, but that has been very recent. I dont share this for sympathy, only that my condition causes many, MANY health problems that the additional stress inflicted by DFS has made into a danger. Its not their responsibility to coddle me for that, but their blunders and incompetence have caused a great deal of stress and I have lost HOURS dealing with this and doing all of their work for them. I have been a customer of Discover since XXXX. I was also a customer of theirs in the early XXXX. I have never been in default with them and have an excellent credit history with not only them, but every creditor I have ever done business with. I have spent ten years in banking and am confident I know the FCBA well enough to spot easy violations and completely unethical behavior. In fact, in my opinion, their violation warrants an obvious violation of Federal Law. I am attaching letters that I have sent discover and copies of letters they have sent to me. I have spelled out many, many times what happened and Discover refuses to take responsibility that is legally theirs. On XX/XX/XXXX, I received an email from Discover Card stating that my card had reached the maximum limit and asking if I recognized some charges. I called them right away as I did not recognize all of the charges. At first I thought someone had made a copy of my card and was using it locally. Discover immediately closed the account. I reported some of the pending recent transactions as fraudulent, then called back and reported more as I had time to dig in. I dont have the luxury of being in front of a computer all day long and it was not possible for me figure it all out in no time frame. There were some charges that were obviously fraudulent because they were at stores I never shop at. Others were just obvious amounts that I never spend. I spoke with many, many people from Discover and their tone changed as the discussions progressed. It was discovered ( by Discover card themselves mind you ) that the charges were being made from an active card. I did not know that cards with chips couldnt be copied. I had ordered a replacement card sometime within the prior few months. I failed to destroy the one I had. As it turns out at some point I lost the new card and inadvertently began using the old one again. This cant be that unique. Over the course of the ordeal Discover card decided that no fraud occurred. They never detailed in writing why or how they discovered that. Most likely because its a lie. I didnt make those charges, never gave anyone access to my card, and never authorized anyone else to do so. Because there were so many charges made, I reported the charges made at stores Ive never shopped at first and then at stores I sometimes shop at, but for amounts greater than what I had spent either recently, or ever. Two of the charges I reported I later asked to remove because they were within amounts that I spend. They were at XXXX XXXX ( the name of this store will be important later ) and XXXX XXXXXXXX XXXX. They were actually fraudulent and I was right to suspect them, but they were within amounts I spend PLUS I was initially unsure of the XXXX XXXX location. As it turns out, it shows up as XXXX XXXX on the statements, but it is says U pump it on the outside XXXX. There are two XXXX XXXX in XXXX and I have shopped at both. Neither are on that street. When I found out the location was in fact not a XXXX XXXX and WAS a u pump it I shop at, I could no longer guarantee it was my charge because Ive never shopped there. A lady I spoke to in the first week after this happened told me I would have to sign an affidavit and requested I file a police report. I dont remember the exact date this occurred, but it was sometime before XX/XX/XXXX. She requested that I file a police report and then give them the officers name, agency, and case number. I again agreed. She also said to let them send a list of the fraudulent charges because it would be in a better format for the officer to follow. I spoke with a rep on The morning of the XXXX and he aggressively told me that it was highly unlikely that the thief would shop at the same stores as me. Its not by the way, I live in a small town, not a metro. This Gentleman obviously knows zilch about statistics. The probability a thief and I would shop at the same places increases exponentially as the town size gets smaller and with the number of charges made I called in the following day to report the officers name and case number. He didnt assign a case number because he didnt consider me the victim. He assigned an incident number. He said it would progress to a case number when Discover contacted him as they were the victim. I had no say in whether the police department called it case or incident. I also wrote discover to put this in writing. I never stated that these were all of the fraudulent charges, just the charges I knew werent mine. Again, Ill spare too many more details. Discover sent me numerous pieces of mail around the first of XXXX saying they couldnt reach me, even though I immediately retuned every one of their calls. A lady called me on XX/XX/XXXX I believe and said that Discover concluded that no fraud occurred. She was very nice, but I was very upset and was difficult to deal with. She said that discover suspected friendly fraud occurred. Thats not possible as I lived alone and no family member, roommate, or otherwise ever had access to my card. She also asked why I only filed an informational report again, it wasnt my choice. I have no say in how the XXXX XXXX Police Department organized their complaints. I spoke with another rep later who said the incident would be revisited. She did tell me that Discover didnt even contact the police officer until XX/XX/XXXX, and THEN didnt even send him information until the beginning of XXXX. I think the 3rd or 4th. They blew that. Not many stores keep footage that long. I spoke to the officer again on Sunday the XXXX and he said they did contact him about two weeks after I did ( lines up with there XX/XX/XXXX date ) but NEVER sent him charges. I received another letter stating that no fraud occurred. Again, no reasons were given. I called and got another incompetent rep that said I didnt safeguard my account. This wasnt true. I lost a card. That doesnt qualify as not safeguarding an account. I didnt authorize anyone to use it and didnt give anyone possession of it. She then said that thieves dont just but a bottle of wine and then return the card. This was also nonsense. She seems to have over looked that there were two cards. No thief stole a card from me and then returned it repeatedly. Thats crazy. I called in again later and got a rep with some sense. He asked me what a series of numbers on the back of the card were. I gave them to him. He said that every charge I reported were made from the other active card that was lost. Somehow through Discovers gross incompetence they lost track that there were charges being made from two cards, even though they were the ones that discovered that. I didnt know these cards had sequence numbers and if I did a lot of time would have been saved. EVERY CHARGE I reported was made by the lost card. And of course they were. Im not a thief. There were additional charges that I didnt identify that were, just as I suspected, made at stores I shop at regularly and for amounts within my spending pattern. Thats why I didnt report them. I couldnt do it because I couldnt prove it with a clean conscience. I was right to do so. I never said I had identified every charge. I told at least XXXX rep I thought there were more charges that were fraudulent, but I would eat them because I couldnt be sure. Interestingly, the two charges I had asked them to be removed from the list of fraudulent charges, were in fact made with the stolen card!! I was right about that too! I just couldnt prove it. I sent them a letter around XX/XX/XXXX and it is attached. It was dated XX/XX/XXXX, that was a typo. They opened another investigation but again claimed fraud didnt occur. I called AGAIN, on either XX/XX/XXXX or XXXX and spoke with a guy named XXXX. He said it was denied because the thieves shopped at the same stores as me ( they are still stuck on thinking thats unlikely ), there were delays in communicating with the police ( their fault, not mine ), he mentioned MULTIPLE CALLS made ( of course I was freaking out and it was one more thing on my plate I didnt need ), he also claimed I at one time reported a charge as fraudulently that was made on the card in my possession. Totally untrue. If I ever VERBALLY included one it was a slip of the tongue or human error, but I cant see how thats possible because NONE were included on the affidavit. He said there were inconsistencies in my story and its in their notes. Their notes have already proven to be a joke. Some of their reps understood we were talking about two cards, while others couldnt comprehend it. He told me just to agree to disagree. Sorry, I cant do that. Im not responsible for those charges that total over {$1700.00}!!! He also said that the fact I was a longtime customer was not objective. It actually is. It is HIGHLY UNLIKELY that someone with a perfect history with Discover would wake up one day and go on a dollar and grocery store shopping spree. I emailed the CEO of Discover on XX/XX/XXXX. I received a call from their executive office 15 minutes before they closed from a lady named either XXXX, or XXXX XXXX. I called them the next day got a lady on the phone that said she wasnt there yet, but that she was just calling to let me know she was investigating. I asked to have her call me anyway. I wanted to talk to her personally. She said OK. I called back about four hours later and got the same scripted response from a male that said she was just calling to let me know she was investigating. I asked to have her call me back. He said he would. She didnt call me until the following Monday which was XX/XX/XXXX. My phone was dead, but she left a message saying she had a courtesy update. I called back and got a lady on the phone who said Ms. XXXX was in a meeting, and there was nothing in the file about why she called me, but that she would be calling me back literally within the hour. I really needed to talk to her because this whole time I had been continuing to speak with the nice officer who originally took my report. They now considered me a victim since Discover washed their hands of it. He said all of the charges were considered separate crimes, so they wrote up paper work for 36 crimes and assigned individual cases numbers for each one. Im attaching letters Ive sent Discover. They have more details and dates, as well as the letters they sent me that didnt even say how they determined there was no fraud. Probably because its not possible for them to do that. The only thing I can add, or once again point out is that XXXX XXXX is a town of less than 9 square miles. We have XXXX XXXX. We have two XXXX food stores. Every human being and some dogs that reside in XXXX XXXX have been in all three of those stores, and more than likely, regularly. It is not at all unlikely for a thief to shop at those three places regardless of whether or not I do. I was a heavy smoker until recently. I bought cigs and snacks at nearly every convenience store in town depending on what part of town I happened to be in that day. These fit my patterns in other towns I lived in as well. Coincidentally, two of those gas stations were of the very few I DONT SHOP at. There were plenty of places I dont shop at made with the stolen card. I still cant believe they had the audacity to say there were delays in communicating with the police. They were Discovers delays!! Even if any of these events were unlikely which they arent, it doesnt prove that fraud didnt occur. I reported this to the police promptly. Discover failed to follow up. If I was excited on the phone it doesnt mean I was a dollar store Bandit, Im a human who happened to already be stressed out. It is obvious to me that Discover has never really looked into this. Ive done all the work. Theyre looking for any little way to get out of it and are too stubborn to reverse their illegal failure to absorb the costs of the fraud. They can suspect me all they want. They cant prove anything because I didnt do anything wrong. Perhaps we could have caught the real thief if they would have followed up with the officer in a timely fashion like they said they would. Ive worked in banking. Ive seen fraud. Local thieves who use stolen credit cards often make a series of purchases at different stores. Discover is terrible at statistical probabilities. It seems their investigators heard that in a continuing ed, or training class because they all repeat it. Its actually likely in many scenarios. I have a XXXX XXXX in XXXX and took graduate level statistics classes. Im fairly confident I know my stuff when it comes to that. Attachments included. The email from the officer with the new case number. The email I sent to Discovers CEO. Letters I sent to discover. Letters they sent me back that failed to state how they determined fraud didnt occur. And so on Im forwarding this complain to every state and federal banking committee and subcommittee, the United States and Kansas Attorney Generals, just so theyre aware of it if nothing else. As well as every other government agency that might take an interest. I cant imagine any human going through the time and effort I have to defraud a federally insured financial institution or incriminate myself with local law enforcement and beyond. Sincerely, XXXX XXXX
01/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33604
Web
On XX/XX/XXXX & XX/XX/XXXX I reported to Discover that I had made payments to them in previous months and they did not properly credit credit my account. Later on they finally gave me a temporary credit and told me to submit documentation, I did and they told me that my account was closed, and I would receive a letter in the mail. It is XXXX and I never received anything. This was for Dispute # XXXX & XXXX. I made a complaint through the CFPB on XX/XX/XXXX on XX/XX/XXXX I received an email from Executive Office of Customer Advocacy on behalf of Discover. I FINALLY RECEIVED THE INVESTIGATION yesterday ( XX/XX/XXXX ) about Discover from Executive Office of Customer Advocacy. The problem at hand is on XX/XX/XXXX I stated there was a billing error, therefore at that time I put my account in billing error status! ( 15 U.S. Code 1666 ) ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error. ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. ( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section. Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error. ( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error. ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}. Now the problem at hand is since I did not get notification of the investigation ( which I have stated numerous times ) until yesterday 1/18/2023 my account was in billing error status, THEREFORE you can not start collecting until today! 15 U.S. Code 1666b & 15 U.S. Code 1666c 15 U.S. Code 1666b-Timing of payments : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 1666c - Prompt and fair crediting of payments : ( a ) In general Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligors account as specified in regulations of the Bureau. Such regulations shall prevent a finance charge from being imposed on any obligor if the creditor has received the obligors payment in readily identifiable form, by XXXX XXXX. on the date on which such payment is due, in the amount, manner, and location indicated by the creditor to avoid the imposition thereof. ( b ) Application of payments ( 1 ) In general Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. ( 2 ) Clarification relating to certain deferred interest arrangements A creditor shall allocate the entire amount paid by the consumer in excess of the minimum payment amount to a balance on which interest is deferred during the last 2 billing cycles immediately preceding the expiration of the period during which interest is deferred. ( c ) Changes by card issuer If a card issuer makes a material change in the mailing address, office, or procedures for handling cardholder payments, and such change causes a material delay in the crediting of a cardholder payment made during the 60-day period following the date on which such change took effect, the card issuer may not impose any late fee or finance charge for a late payment on the credit card account to which such payment was credited. So now that I am bringing the billing error to your attention I am again putting this account in billing error status.15 U.S. Code 1666 - Correction of billing errors Per 1026.13 ( b ) ( 2 ) ( c ) Billing error resolution : 2. Correction without investigation. A creditor may correct a billing error in the manner and amount asserted by the consumer without the investigation or the determination normally required. The creditor must comply, however, with all other applicable provisions. If a creditor follows this procedure, no presumption is created that a billing error occurred. 3. Relationship with 1026.12. The consumer 's rights under the billing error provisions in 1026.13 are independent of the provisions set forth in 1026.12 ( b ) and ( c ). ( See comments 12 ( b ) -4, 12 ( b ) ( 3 ) -3, and 12 ( c ) -1. ) ( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice. I have not received anything yet, and they have reported adverse action on my credit report. 15 U.S. Code 1666a-Regulation of credit reports- ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. I have never given either Company ( XXXX or Discover ) permission : written, unwritten verbal and nonverbal communications per 15 USC 6802. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions Understand! I am not trying to get out of the payments ( because I signed the agreement to do so ) I am just going by the laws and my rights.
11/06/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • NH
  • XXXXX
Web Older American, Servicemember
Executive Summary. This is a breach of contract complaint against Discover for refusing to honor their promise to this Complainant to substantially reduce the interest rate on their credit card - from 23 % to 12 % - on the Discover credit card ending in # XXXX a promise made by the Discover representative on the telephone - if this Complainant were to promptly send the monthly payment discussed in that call on XX/XX/XXXX via Priority mail instead of via 1st class mail an act which this Complainant did perform on a timely basis. Total Claim Amount. Based on 12 % interest, this claim is for {$11000.00}, that is, for the sum of two items : ( a ) The full credit of the card balance aXX/XX/XXXXof {$6400.00}, plus ( b ) All the payments made of {$5100.00} ( as of XX/XX/XXXX ) - since the card balance was fully paid ( at 12 % interest ) by the monthly payment onXX/XX/XXXXper the XXXX spreadsheet of the Discover monthly credit card payments during the last 8 years - that was sent to Discover by the CFPB with the other documents filed with this complaint as discussed in more detail in sections 2 and 3 below. Card Balance Amount History at Key Dates. The contract to reduce the interest was formed onXX/XX/XXXX. This complainant and Discover have been in disagreement on the balance owed ever since. During the 8-year interval to the present, minimum payments have been made every month, ranging in size from {$250.00} per month in the first year to an average of about {$140.00} per month during the last 6 months. ( As explained in section 3 below, an XX/XX/XXXXfile - tracking the balance owed and a breakdown of each monthly payment into interest and debt reduction portions - has been filed with the CFPB by this Complainant and a copy is being sent to Discover by the CFPB. ) This XXXX file has two sheets - the 1st is an actual history of the Discover statements typically showing a 23 % interest rate - and the 2nd is a Would Have Been history - if 12 % interest had been charged instead. The 2nd sheet in the XXXX file also tracks the claim this complainant has against Discover in terms of the excess interest payments made since the balance was fully paid ( as ofXX/XX/XXXX) on the card based on 12 % interest. The sections 2 and 3 below discuss the balances owed at both the 12 % and 23 % rates at the key dates of ( a ) XX/XX/XXXXwhen this Complainant sent a letter to Discover documenting this claim and as of ( b ) XX/XX/XXXXwhen the total amount owed was fully paid off based on the 12 % interest rate being charged the point after which all the payments made after XX/XX/XXXX are fully refundable to this complainant. 1. The Creation of the Contract. The promise was made by the Discover representative during a phone call to this Complainant onXX/XX/XXXX ( when the balance on this card was {$11000.00} ) and this Complainant has notified Discover of this breach with timely phone calls, beginning in XX/XX/XXXX, and in writing, most recently in a XX/XX/XXXXletter. 2. This is the last chance for Discover to honor the promise made on XX/XX/XXXX ( to lower the interest ). Had Discover agreed to honor the 12 % rate retroactively to XX/XX/XXXXat the time they received a letter from this Complainant on XX/XX/XXXXthen the balance would have been adjusted down at that time to {$3700.00} ( instead of keeping it at the {$8900.00} balance that it was then ) and by agreeing that going forward, only 12 % would continue to be charged by Discover, then the card would have been fully paid off about two years later, that is, by the XX/XX/XXXX monthly payment. Instead, there is a cash refund due of all the payments made by this Complainant sinceXX/XX/XXXXor {$5100.00} as of now ( i.e., onXX/XX/XXXX) that would not have been accumulated by Discover. This CFPB complaint is the last chance for Discover to avoid litigation of this claim. 3. The Monthly Statements XXXX file 9-year Recap. The difference between the {$8900.00} and the {$3700.00} - or {$5200.00} as of XX/XX/XXXXis per the monthly XXXX schedule accounting document prepared by this Complainant and sent to Discover - via this CFPB included with a copy of a more detailed version of this complaint being filed with the CFPB which the CFPB is sending to Discover. The XXXX file Spreadsheet has the 1st of 2 sheets that ( a ) lists an 8-year breakdown ( to the present ) of the actual activity in every monthly Discover Card statement including the beginning and ending balances like the {$8900.00} still owed onXX/XX/XXXX and how much of each payment was interest or principal - or other activity, consisting of only two small debits - since XX/XX/XXXX. That XXXX file also has the 2nd of 2 sheets that ( b ) re-calculates the principal and interest amounts but at the lower amount of interest - at 12 % - and a commensurate increase in the principal portion of each monthly payment - that would have been additionally paid each month if, starting onXX/XX/XXXX, Discover had reduced the 23 % rate effective retroactively 4 years from XX/XX/XXXX, as well as the revised beginning and ending monthly balances like the {$3700.00} that would have been in the statement at XX/XX/XXXXbased on 12 % vs. the 23 % that actually was in the majority of the monthly statements sent from Discover up to the present. 4. Discover did not respond to those breach notifications either in writing - or with a phone call, that is, Discover never entered into any form of good faith negotiations with this Complainant to resolve their breach of the interest reduction telephonic agreement of 6/25/09, leaving this Complainant with no alternative but to file this CFPB complaint. 5. The balance on this Discover Card was always company debt it never was the personal debt of this Complainant. The specific details of the breach by Discover are ; ( a ) the 1st step was when a Discover representative called this Complainant inXX/XX/XXXXand made an interest rate reduction promise ( b ) during a collection call to this Complainants home ( regarding a monthly payment which had been inadvertently overlooked for about 21 days ), ( c ) in exchange for a promise by this Complainant to mail that payment via Priority Mail, ( d ) specifically offering to reduce the interest rate ( from 23 % to 12 % ) and, most importantly, on ( e ) a company credit card balance that is, for charges that were utterly and entirely owed by the company that was this Complainants employer - never a personal debt owed by this Complainant. This is a claim centered around a company debt that had steadily grown to the full availability on a revolving basis - for charges directly incurred by that employer of this Complainant during the 7 years of this Complainants active employment that firm ( i.e., that began in XX/XX/XXXX and ended inXX/XX/XXXX ). 6. This was a Wrongful Interest Increase by Discover ( and Six Very Large Banks ) on Credit Card Predatory Loans. Discover was one of seven very large banks that jointly made significant credit card loans over that seven-year period to this Complainants employer - all the time holding this Complainant personally joint and severally liable for the repayment of those credit card borrowings. Discover ( and the other 6 banks ) did not perform the due diligence required of all banks, that is, Discover failed to access the public financial information ( published quarterly by the SEC ) concerning this Complainants employer the true debtor of those credit card loans. Those public reports provided dozens of pages each quarter describing the flow of assets into the company - a flow that was almost entirely provided by two persons. 7. Why This Complainant Agreed To Be the Only Executive Jointly Liable for the Companys Debt. This Complainant agreed to be jointly liable with the company that employed him as a condition of his employment agreement for a key executive position that was offered to him by those two persons - who effectively controlled all the income-producing assets of the company. 8. The Agreement to be Personally Liable for Company Debts Was Based on Trust. This Complainant made a judgment-based assessment that ( a ) those two persons could be trusted to honor their business agreements, i.e., that they were honorable persons - and that ( b ) they together could easily afford to personally pay the entire total availability on the credit cards offered for the companys exclusive use by those seven very large banks and continue to provide the company with the asset inflows needed to sustain fiscally successful operations and company technology development. 9. The Decision to Trust was a Mistake, but The Assessment of The Ability to Pay Was Correct. In retrospect, this Complainant was wrong about the honorable intentions of those two persons ( or the lack thereof ), but not about their ability ( and willingness ) to provide the sizeable flow of assets that needed to be provided to the company during the full seven years of this Complainants employment there, as well as during all of the subsequent years ( after XX/XX/XXXX ) - and up to the present. 10. The Banks ( including Discover ) were driven by Greed, at the Expense of Judgment and Due Diligence. Discover and the other banks did not competently fulfill their due diligence responsibilities they did not properly evaluate the risk of gradually advancing over {$200000.00} in credit availability ( collectively over a 7-year period ending in XX/XX/XXXX ) to a company whose income-producing assets were effectively controlled by those two other persons, without requiring their personal guarantees, in addition to requiring this Complainants joint and severable liability for the credit availability in excess of {$200000.00}. Discovers share of that total was {$11000.00}. 11. Those two other persons were in control of this Complainant`s employer because they were providing all of the companys key marketable technology and most of its financial day-to-day operating resources that were required over the long haul, to fulfill the companys periodic business plans. 12. The Wrongful and Fatal Due Diligence Error by Discover. Since Discover ( and the other 6 banks ) negligently did not require those other two persons to guarantee the companys debts on any of the bank cards it therefore was wrongful for Discover to hold only this Complainant personally liable for this debt owed by his employer. 13. This was a Predatory Credit Card Loan. The Discover credit card debt that is the focus of this CFPB complaint ( that totaled a debt of {$11000.00} on 06/25/09 ) was one of those predatory bank credit card loans to this Complainants employer. 14. Why it was a Wrongful Predatory Loan. This was a Predatory loan because Discover ( and six other large banks ) provided credit card total availabilities jointly to this Complainant jointly with only the company that employed this Complainant - that greatly exceeded the ability of this Complainant to personally pay those debts, should the company suddenly cease operations the precise definition of a Predatory Loan. 15. This Complainant is also the Victim of a Fraudulent Transfer of the Income-Producing Assets of His Employers Assets to Another Company. In XX/XX/XXXX, the company employing this Complainant suddenly ceased operations when the two persons who had controlled the income-producing assets of that company quickly moved those income-producing assets to another company ( a new company ) that they also controlled ( via a fraudulent asset transfer ). 16. In response, Discover ( and the other banks ) suddenly increased the interest rate on the bank card debt ( s ) to 23 % ( i.e., typically at least double what had been paid in previous years ). 17. Discover benefitted directly from the higher interest rates caused by the fraudulent transfer. This caused this Complainant to solely and personally owe the 23 % interest on the Discover card balance - and personally to pay it but without employment income from the new company - that now had the income from the fraudulently transferred assets and the new company also enjoyed all the following additional investments from the two persons in control of those assets - which this Complainants former employer had enjoyed previous to the fraudulent transfer. As a result, Discover wrongfully benefitted directly from the higher interest rates caused by the fraudulent transfer that victimized ( i.e., which was at the expense of ) this Complainant personally. 18. That is when the terms of the telephonic - collection call - agreement were negotiated, where Discover verbally offered to reduce the interest rate by nearly 48 % from that date on - if the current monthly payment were to be timely mailed by this Complainant via Priority ( at {$4.00} ), instead of by 1st Class ( at XXXX cents ) - an agreement that this Complainant honored in every way, but where it was a contract that Discover has totally failed to honor from that day up to the present. 19. An image of this Complainants XX/XX/XXXX XXXX XXXX check # XXXX to the U. S. Post Office for {$4.00} marked For Discover Payment is also being sent to Discover by the CFPB - with the other documents filed with this complaint. This document is written proof that this Complainant fulfilled his performance obligations under the terms of this agreement. ( The Priority envelope contained the XXXX XXXX check # XXXX for {$580.00} payable to Discover that was due no later than XX/XX/XXXX. )
06/25/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 159XX
Web
Im not complaining that Discover Card and XXXX XXXX XXXX did anything wrong. Yet. I am sending this form simply so I can document all of the following. To Discover Card and XXXX XXXX XXXX: Unfortunately, I can no longer feasibly pay you anything. This situation is indefinite. My accounts with you have already been in default with you for a while. The little bits of money Ive been sending you for the past couple of years were just my sign of good faith to keep the accounts semi-alive so you wouldnt lose your Statute of Limitations to collect it. Right now, I need to cling to any spare cash I have and I need to use it to pay any lawyer I can find to help me. Several of my other creditors has thrown laws, Federal regulations, consumer privacy, and courtroom decency to the curb. And OH BOY, do I need to fight them to save my own life. This debt that I owe to you IS my fault in legal terms, but it ISNT my fault in all realistic practical terms. What Im about to copy and paste will elaborate on that whole issue. All of my other past-due creditors have dropped out one by one from their various violations. I can barely pay you guys enough as it is, but Im not paying ANYTHING if youre going to break the law. As far as I can tell, Discover Card and XXXX XXXX XXXX are my last two good ones. This will be probably be the last contact you hear from me until either I win some massive legal lottery, or Im in the process of declaring bankruptcy. Im PRAYING youll understand and you wont turn into the ugly, scary, overwhelming monsters several of my other creditors have turned into. If you need to contact me for anything, PLEASE PLEASE PLEASE only put it in writing. You have my current home address and my personal XXXX address. Thank you. Below is the complaint I sent to XXXX XXXX through the PA Attorney General and the CFPB on Friday night, XXXX XXXX If nothing else, please just read it and consider it in all of your future legal decisions. XXXX REPORT STARTS HERE: XXXX XXXX is trying to sue me in a highly suspicious bully move. I have an account with them that I have been paying through their collector, XXXX XXXX XXXX. The account entered collections about two years ago and I've been trying to pay little tiny bits of it just to keep it semi-alive and avoid the situation where we've arrived. XXXX has made no attempts to contact me or demand more from me. The last contact I ever had with them was the original debt letter sometime around 2021. If nothing else, this is a bully move that will only result in a bankruptcy filing if it continues any further. They're trying to sue someone with nothing left to give them. I share a house in my mother's name, and she's close to XXXX years old living off social security. I live almost paycheck to paycheck with a little wiggle room of a few XXXX dollars each month, and that's going to shrink more as soon as student loans resume. The biggest piece of property in my name is my XXXX car, which is financed until the end of XXXX. The only other big thing I own is a 401(k) split between 10 funding sources with around XXXX saved up, but I have no intention on touching that for the next three decades. Part 1 of my complaint. The following things Im going to say are NOT something Im blaming XXXX of doing. Ill just try to provide some context to how things arrived at their current state. Dad died from XXXX XXXX in XXXX. Mom and dad have been divorced since I was about XXXX, and the family picture has been weird, to give you the very, very, simple version. Starting from the end of XXXX stepmom (and whoever else was encouraging her) was doing some VERY criminal things just to play games with me. Withholding info about dads life insurance in XXXX, and then saying Duhhh I forgot. Committing probate abuse / financial fraud / SOMETHING in early XXXX, where she staged a fake paperwork fiasco that delayed the annuities dad left me and my brother for an extra month. The month AFTER her underhanded annuity hijinks, someone with access to my then-current Discover card went on an online shopping spree for fancy ladys shoes and cosmetics gift cards. I know she had access to that account number because I gave it to her in an attempt to help her with the plane tickets to the funeral. She would also have access to my SSN from my dads records (Keep this detail in mind. Its going to come up later!) Dad wanted us to all be a happy family together. I was there at his bedside six weeks before he died when he said it to me. He was so happy, all things considered. Now NO ONE on his side related to me legally or biologically will say a PEEP to me! The Michigan probate attorney who originally handled the process in XXXX, XXXX XXXX XXXX, turned out to be a totally corrupt clown who shouldnt be trusted in any kind of legal practice. In XXXX, I was frantically sending out inquiries to every probate/family attorney I could find near dads district. XXXX replied to one of them by setting a phone conference where HE called ME. We talked for about half an hour while he tried to play pretend-therapist. But the problem with him is, he never sent out probate notifications my brother and I were legally required to see as interested parties written in dads will. When I reported this to Michigan Attorney Grievance Commission later in XXXX XXXX wrote a long-winded legalese response to the Commission where he completely lied and said he never called me. Afterwards, he sent me a final email where all he said was Have a nice life! Other lawyers from that district have told me the legal timeline on the original probate could still be open right now because the original forms were never properly served. At the end of the day, XXXX is partially or wholly responsible for setting in motion the Dont give an XXXX attitude my family has used in everything theyve done toward me ever since. His job was to explicitly PREVENT something like this, and then he practically laughed in my face about it! Heres where it gets overwhelmingly creepy: There is a local car dealership in XXXX XXXX PA, XXXX XXXX (now apparently XXXX XXXX) that was messing with my car XXXX insurance in late XXXX and early XXXX. If you ask them about it today, theyll tell you Oh but we were so prompt and courteous when we were handling XXXX XXXX paperwork. Well, I dont know what alternate dimension theyre living in these days, because I have the whole e-mail chain from their finance lady XXXX XXXX showing thats absolutely untrue. She was lying to me constantly. She was delaying things. When I finally got the Pennsylvania AG Consumer Protection involved mid-way through XXXX, she sent the paperwork in for the second time or the third time, and I magically had my missing insurance refund about a month later. I can almost guarantee you she NEVER sent in the paperwork to the insurance company until it became a legal complaint. She was lying, and dragging me along, and testing me the ENTIRE TIME. Why did she do that? Who put her up to it? Im NEVER allowed to know! I did eventually receive the small refund amount that was due to me, but XXXX XXXX was still committing some form of insurance fraud and consumer abuse for six months before that. Now they keep spamming me with physical ad mail that Ive told them repeatedly to stop, and they ignore me. And Ive opened new complaints through the AG telling them to stop the mail, and they ignore those too. Now the local XXXX XXXX XXXX are involved. When we got to around XXXX XXXX in the car insurance fiasco, XXXX started using COVID as an excuse in her e-mails explaining why everything was taking so long. Thats the moment my brain said Enough is enough and I got the AG involved. I have an uncle on moms side who died from XXXX at the end of that year. He was a retired fire fighter. Thats a GREAT association thats always going to be on my mind! Somewhere out there, in the realm of hypothetical lawsuits I could file if I ever truly knew what was going on, is an accumulated sum of dollar signs. And Im betting more than one person owes me some jail time. Whether the problem is dads will was never valid in the first place, or it was all the crime and fraud and the abusive gaslighting and the online trolling that happened in the years afterwards, Im being illegally blocked from accessing SOME amount of money. What is that amount? How many different people owe me something? I have no way of knowing, and I have no way of even trying to estimate. For the longest time in XXXX to XXXX (before EVERYONE on dads half of the family just completely turned me into a non-person), I would be at my wits end over this credit card / identity theft stuff, and the ONLY response Id sometimes get back is someone saying But the will was valid! When Im not even talking about THE WILL! What does the will have to do with this? If dad were still alive, and he saw how these fine folks were treating me, the will wouldnt even EXIST in the form it was executed. THATS how the will factors into this! Its waste of time arguing anything else about it! My family members have been doing everything in their power to financially rob me since at least XXXX. The debt situation were now arguing about didnt start snowballing until XXXX when I needed to take out bigger consolidation loans and traded in my XXXX XXXX for a cheaper XXXX XXXX (which lowered my monthly loan payments by about XXXX, AND triggered the XXXX XXXXnsurance fiasco at XXXX XXXX). Ive got a few new words to say to this car dealership as soon as I finish writing this report. Im currently in a middle of a police case for NEW mail they keep sending me even after I keep telling them to stop that, and I opened a NEW AG case against them on XXXX XXXX. Weve almost reached the deadline the AG gave them, and it doesnt sound like theyre responding to anyone. Part 2 of my complaint. The following thing Im going to say IS directly related to XXXX, and its where the suspicious part of my complaint comes into play. This is a recap of the past six months alone: In XXXX someone with access to my SSN fraudulently ATTEMPTED (and failed) to open a XXXX credit card at XXXX XXXX in my name. In XXXX someone fraudulently DID open a XXXX credit card at the same bank and mailed it to me. In XXXX someone tried to open an online deposit account at XXXX XXXX XXXX. In every case, it was someone who applied for the accounts and then had all the account welcoming info sent to my physical address or my XXXXXXXX account. Ive been working with the local XXXX XXXX XXXX for the past three months, but the leads are narrow, to say the least. I cant send them to arrest a phantom. Last month, ANOTHER debt collector (XXXX XXXX XXXX) violated the FDCPA by trying to call me when they were requested in writing to only contact me by mail or e-mail (so I always have a paper trail). The complaint I submitted to them through the CFPB and the Pennsylvania AG made their current collector instantly give up and spit the debt back to XXXX. Today XXXX), XXXX comes into the case with NO warning, NO attempt to contact me nicely, and slams a civil complaint straight through the District Justice office. When the identity theft started up again six months ago, all I could think was: Is this some crazy family member messing with me again? Because thats the logical evolution of the things theyve done to me in the past. Now that concern has turned into: Was that a bank somewhere that was trying to find out if Im still alive? Or verify my address? By casually committing identity fraud? And now one of them is trying to sue me? Thats a very disturbing and disgusting thought, if theres any truth in it. What I would like as a resolution: My main goal in submitting this complaint is just say XXXX, please chill out. Ideally, it would be a You leave me alone, you get your stuff off my credit reporting, and we just never do business again type of resolution. But just a simple Please chill out will work for right now. I would LOVE to wake up tomorrow with just a XXXX balance on everything, and if I still wind up in the same spot another seven years from now, at least Id know its totally my fault this time. But I realize a consumer complaint against XXXX alone is never going to accomplish that. XXXX XXXX: If youre reading all of this, and youre taking everything Im saying into consideration, and you still really want to do this legal thing on XXXX XXXX thats just going to lose some money for you and possibly XXXX me, then I guess my final words to you are: See ya there. I dont know what else to tell you. Other parties involved in this complaint: Im sending the same report against XXXX to the Pennsylvania AG and CFPB. I will be contacting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX next week to update him about the XXXX XXXX XXXX dealership problem. I will call XXXX XXXX XXXX District office to notify her of my intent to submit my defense on XXXX XXXX. AND I will begin a new frantic search for a debt collection defense attorney, since Im completely alone in the dark right now. Im really nervous everyone is going to just recommend I accept the default judgment and file straight to bankruptcy, which was NEVER my intention here.
07/07/2017 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
  • FL
  • 337XX
Web
I am currently struggling to make full payments on my private loans. I have been for a while. I 've been in and out of school in the past few years, and I 've been laid off from a job. I 've spent a year couch surfing, because I did n't have a place to live. I am trying to work a payment system with my loan companies which allows me to make a reasonable payment to them each month in an effort to show in good faith that I am attempting to avoid reneging on my agreement. The loan has very rigid assistance programs, but they are also very limited. I have exhausted all of the payment options. The circumstances in my life have been more than I expected. I borrowed before the economic collapse, and I never anticipated the burden that my loan would later become. I returned to school full time for a while, and as I had already exhausted the grace period after I left school the first time, there was not another grace period available to me. I asked for an income based reduced payment plan. They offered me a plan that would be interest payments only for six months with the option to renew at the end of six months. They did tell me that this would only be offered twice, and then I would have to make regular payments for six months before I would be eligible for other plans.

I 've been working to remedy things and get my finances in order so that I can make regular payments. I got laid off from my job during that time. I relocated to Florida in an attempt to find a new job somewhere where the job market was better. I had to reapply for the assistance program. They warned me that it would be the last time.

As this plan was coming to an end, I was slightly behind on my XX/XX/XXXX 2017 payment. I chose to remedy this, as I was caught up in trying to figure out where I was going to live that month in XX/XX/XXXX. Basically, whose couch was I going to be sleeping on for the next few weeks until I am asked to move on again. I do realize by all rights that I had no more plans available to me at this point. However, I called expecting them to be reasonable and pulling out another trick they could have up their sleeve.

I called them on XX/XX/XXXX to appeal for an additional reduced payment period. I talked to them for about two hours to resolve the problem. It ended in my being given a forbearance to make my account current, as well as what was described to me as an extension of the payment plan that would run from XX/XX/XXXX through XX/XX/XXXX. I agreed to automatic debits of my checking account in order to make the payments on time each month. That, and with my day to day living situation in disarray, I would n't have to actively remember to do it each month. I could just make sure that there was enough money set aside each month so that the payment would be there. I verbally agreed to payments of {$98.00} each month to be automatically debited on the XX/XX/XXXX of each month. They placed a forbearance, which I verbally agreed to as well, and payments were set to begin on XX/XX/XXXX.

On XX/XX/XXXX, they sent a letter to me explaining how I was not eligible for the repayment plan. However, I had just moved again, and my mother thought that she would be helpful and wrote a forwarding address on the envelope. This was not forwarded to me by the post office, as they had requested return service on the envelope.

On XX/XX/XXXX, I received an email explaining that they had recently attempted to mail me some important information, but that they were notified by the postal service that the address is not current. The email told me to log in to my online account portal and update my address and review any important secured messages that I have. I did just that. I logged in, I updated my address, and I did n't have any unread messages or notifications. As this was the only action that was advised to me in the email, I never thought of it again.

Payments of {$98.00} continued to come out of my account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Nothing happened to indicate that things were n't right, nor was there any real attempt to contact me. No voicemails were left on my phone. Emails would go to spam, or if they did come in, they were addressed from something innocuous, such as " Service '' and the Subject Line would be something inconsequential to the effect of, " Updated Information. '' None of these emails looked like anything that was important enough to open. Many of them I deleted without opening, because they looked like junk emails. The company 's name nor the subject of the email indicated who it was from or why I needed to take it as anything other than spam.

In early XX/XX/XXXX, I got a notice from XXXX XXXX that my credit score had dropped from the low XXXXs to the low XXXXs. I could n't figure it out why, as I thought I had been making my payments on time. I was happy that despite my hardships, I was working on getting my life put back together, and still making some kind of payment to them each month to show a gesture of good faith that I do intend to fulfill my responsibilities. These payments were not easy to come by, but they were what I was able to do.

I called Discover on XX/XX/XXXX to find out why my account was showing a past due balance when I have had automatic payments going out. All I was met with were questions to the effect of : Why did n't you call us back after the email that said that we had important information for you? Why did n't you open and read your statements every month and see that your payments were n't covering the cost of your amount due? Why are you only working 40 hours per week when it is not enough to cover your balance? Why ca n't you get a better job? Why should it be our responsibility to contact you when you have n't bothered to check on the status of your payments at all?

The point of my setting up automatic payments is so that I can just have the security of knowing that the payments will be made when they are due to be made. I do n't want to think about money all the time. When I get paid each other week, I simply automatically deduct the amount of the bill coming up on whatever day it is scheduled to come out. That way, I can just know that I wo n't forget the payment. It will be taken care of automatically. I put my monthy statements in a box, and I review them if a problem arises. I do n't waste my time opening something every month when I have every reasonable expectation that I can presume that I wo n't read anything that I do n't already know. The conversation on XX/XX/XXXX ended with the agent telling me that she would look into what happened as to why I was offered something, and verbally agreed to by stating my name for the recording, that I was told later that I did n't qualify for. I asked that Discover could take accountability for making me believe I was set up for something I instead was not set up for. She said she would call me back within one week. She never did call me back.

In the meantime, I was moving again. I found my own apartment, and I have taken on monthly rent payments. The rent is less than 1/3 of my income, so it is reasonably affordable for me. I never followed up on the call, because a ) she was going to call me back when they found out something, and b ) I got distracted by moving. I do n't feel as bad about part b, because she assured me that she would call me back personally, and I figured that the ball was in her court, and it might take a while, but I am willing to wait.

My payment of {$98.00} again came out of my account on XX/XX/XXXX.

I called again on XX/XX/XXXX, as I noticed that the payment was settled again. I asked what was the situation on my investigation. The agent who first took my call immediately started into the lines of how are we going to settle your past due amount today, etc. I cut them off and told them I was just waiting for a call back. At that point, I started being passed up the chain again and having to explain my case anew to everyone I talked to and all they would tell me is that the previous agent left notes, but they would n't necessarily tell me what were in the notes. After I was handed up a couple of times, with each new agent acting like this was the first they were hearing of my situation, I ended up getting disconnected by my phone dying, and I did n't have the patience to try again.

My payment of {$98.00} came out of my account on XX/XX/XXXX.

On XX/XX/XXXX, I got a voicemail message from Discover stating that they only had 72 hours to work with me and that I needed to call them ASAP. Then they gave me the business hours. I was unavailable during business hours until my day off of work which would have been two days later.

On XX/XX/XXXX, I called back. I had explained everything all over again to the new agent who did a good job listening to me. However, after all was said and done, and I got to the part where I want to hold them to accountability for offering me something that they withdrew from, he said he would be happy to check on that, and he promised to call me back within the next 48 hours. He did convince me to make two payments in the amounts of {$24.00} and {$170.00} ( which I then had to recover from my mother so that I would be able to pay my rent in two days ) in order to prevent my account from being signed off to the insurance company so that they would be able to continue to work with me. They told me that if the insurance company signs the loan over, then the entire amount will be due, and they can seek legal means of collection from both my mother and me, but exactly how would be determined by the means that the insurance company decides is in their best interests to recover the debt, plus my mother and I would both receive an XXXX report on our credit history. I never heard back from the guy who said he would follow up with me.

XX/XX/XXXX, I was called by Discover. They told me that my loan was 149 days past due, and that there was a payment scheduled to come out tomorrow, on XX/XX/XXXX, but that it would not be enough to bring my account to current status. They basically said that if I do n't pay {$350.00} by XX/XX/XXXX, that the loan would be sent to the insurance company as a claim, and they will write it off on their end, etc. It was essentially the same conversation I had with them the week before. I asked if the guy I talked to the week before had any status on what he was looking into, and she seemed to have no idea what I was talking about. When I asked why they wo n't hold themselves accountable for their error that got me into this situation, she once again, like all of the other agents before her told me that she would follow up on it personally and get back to me about it. I did manage to get her personal extension, and I called her back before she left work to check on the status. The status was that she had n't heard from her supervisor yet, but that she would call me back tomorrow ( XX/XX/XXXX ). I am currently waiting on this to happen.

Now that I am making very strong efforts to get back on my feet after being essentially unemployed and homeless for over a year, I need some assistance in making my payments. I need them to cut me an agreement. I simply do not make enough money to give them {$350.00} per month as they are asking. The situation I am in now is that I want to continue on a reduced payment plan. I can not afford those loan payments and try to purchase any of the things I need. It leaves me with very little money for groceries or for doing any kind of recreational activities, regardless of how inexpensive they may be.

I am also a person with a XXXX. I suffer from XXXX XXXX and XXXX. While this does not drastically affect my daily life, as I am well managed, maintaining a good work and life balance while maintaining proper sleep hygiene is critical for my ability to function and manage day to day responsibilities, and my ability to handle exceptional circumstances. I must have some fun. I must eat a balanced diet. These things are key to managing XXXX XXXX such as mine.

My frustration is that if I had known any of this would have happened, I would have sought other options to maintain my payment schedule, and I would also have considered refinancing my loans so that I would be able to accept a more manageable monthly payment. However, I can not refinance my loan with them until the balance is brought completely current ( about {$2500.00} to do this ). This wo n't fix my credit score that tanked nearly 200 points during all of this. But, when they offered me this solution, I honestly went into my check back in 6 months mode, because I set it up to be fully automated.

01/21/2021 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 159XX
Web
Paragraph 1 : I started falling behind on my Discover card late last XXXX. Ive been a faithful customer for over five years now. I have talked to them probably close to 20 times starting from as soon as I knew I wasnt going to be able to make full payments. Ive given them full disclosure on my situation every time. Ive been helping my XXXX-year-old mother through her Chapter XXXX bankruptcy since XXXX. In XXXX, my brother moved into my home and basically crashed for a year, putting more lasting strain on my finances. He finally went into rehab in XXXX. I love him, I support him, I want him to succeed, but he will NOT be moving in with me again. Leading into this situation, my father died from XXXX XXXX XXXX and my stepmom botched the inheritances, to put it lightly. Initially she told my brother he was going inherit one thing. Then he ended up inheriting something else, but by that point he had already made commitments ( some good, some XXXX ). That threw him into financial chaos, which ended up throwing me into financial chaos trying to help him. There is no one major event that caused my payments to fall behind. Its a situation thats been four years in the making, and it will last indefinitely. Paragraph 2 : The other reason my step family is tied into this mess is because its HIGHLY likely my stepmom leaked my credit card number at the beginning of XXXX, resulting in someone anonymous going on an online shopping spree for expensive womens shoes and cosmetics. I cant verify who actually stole the card, who is covering it up, and whos just trying to stay out of this mess because every single person Ive reached out to who could possibly have something to say has taken the total radio silence approach. Its been throwing me through a constant emotional and financial loop for the past couple of years. Paragraph 3 : Discover rings my mobile phone six times per day, I either answer one of them or I call back, we spend 15 minutes having the exact same conversation weve been having for three months now ( while Im always informed its being noted and recorded ), they leave me alone for 1-2 weeks ( I dont think they even waited a full week this last time before XXXX ), and then they start right back up again. This has been going on since XXXX. We have talked so many times that I can recite the phone call almost verbatim. Hi! This is So And So from Discover. We were just reviewing your file and we noticed youre XXXX XXXX behind. Has anything changed recently? Is there anything we can do to help? Let me just make you aware of these payment plan options Every time, its a totally different account specialist acting like its the first time Ive ever been contacted and they have absolutely no idea what is going on. Paragraph 4 : Discover apparently thinks that calling me six times a day is somehow going to make me richer. There is no logical reason or justification for that business model. Youre not helping your customers when you do that. Youre harassing and pushing them into paying you more than theyre actually able to. If reality worked the way Discover thinks it does, I would gladly be inviting you to call me six HUNDRED times per day, because I could use all the financial help I can get. But since it doesnt work that way, I seriously question why do they need to keep calling me at all. Ive pointed this out before on a feedback form one of your phone reps sent me months ago, but thats evidently fallen on deaf ears. Ive been sorting out a lot of debt calls lately, but Discover is easily the # 1 reason I have to keep my phone on constant Do Not Disturb mode while Im at work. I noticed theyve slowed down a bit since XXXX XXXX ( now at 1-2 calls per day ), but on Tuesday XX/XX/XXXX they switched tactics. I received an Express Mail letter telling me if I dont get on a repayment plan by XX/XX/XXXX, they will forward the matter to an attorney next. Paragraph 5 : I also feel I should point out Discovers corporate message has been a little bipolar. The agent I talked to two phone calls ago ( late XXXX/early XXXX ) actually suggested it would be better if I stopped paying Discover COMPLETELY for the next several months and saved up whatever I could. The other agent I talked to in the most recent phone call ( mid-XXXX ) wouldnt stop urgently pressing me to send bigger payments. She kept asking me Well, when can we expect the {$130.00} payment? My response is : You can expect me to resume full payments when either work doubles my salary or I win the lottery. The third possibility is someone from my family reaches out to me totally out of the blue to say Oh my gosh! We REALLY messed up here! We are SO sorry! HERES what we owe you! ( whatever that might be ), but Id consider that to be the least likely outcome at this point. Paragraph 6 : What constantly haunts me is back when I called Discovers fraud department about the stolen card in XXXX, I explicitly remember someone mentioning Ohio. Either the charges were originating from Ohio, or one of the vendors was registered in Ohio? Im not exactly sure. The person from Discover asked me if I have traveled to Ohio recently. That didnt mean anything to me at the time, but I came to find out later my stepmoms home state is Ohio. She probably still has friends somewhere in Ohio. That strikes me as more than just a coincidence in hindsight, and if its NOT this credit card thats making every single member of my family act like guilty nutcases, I have no idea what else it could be. But since someone from Discover was asking if Ive ever been to Ohio, that indicates to me you have some form of system in place that tells you when a charge is coming through an unusual location. Somewhere, in some form, you probably have more evidence of who was actually using my card than I do. Paragraph 7 : I know my stepmom had access to the Discover credit card because I gave her the number as a gesture to help her with plane tickets to my fathers funeral in XX/XX/XXXX, and she is the only one who had access to it barring some completely random hacker. A couple years ago, I went to my local police department to report this issue after it started becoming clear the problem was a lot worse than my stepmom just innocently fuddling the inheritances. They couldnt do anything for me because it crosses out of state boundaries. They advised me to contact the police in the county of Michigan where my stepmom was living when the theft occurred. I must have called around four times spread across several weeks in XXXX. Every time I tried calling, I got the voice mail for the investigators department. I left my name, number, and the basic problem I needed to report, and nobody ever called me back. Ive contacted various private attorneys in both my state and my dads state. Ive contacted DA offices. Ive contacted all the vendors involved directly, and they cant tell me who was using the card without a court order first. And after all other outlets failed, I even tried submitting it as a tip on the FBIs website since credit card fraud in itself is a federal crime. Ive hit dead ends every single time and I lost around {$700.00} on this venture alone. Paragraph 8 : At this point Im more concerned with just having a basic conversation with my family than Im concerned with prosecuting anyone, but Im also aware of the fact that conversation is never going to happen because, in all likelihood, it would lead directly to prosecutions. Anyone from my family could just sit me down and calmly tell me why Im wrong, but everyone just seems to think its hilarious how my dad died from XXXX and everything that happened after his death is just one big joke. I was sitting at the mans bedside four weeks before he died, and he was so happy that everyone was back together, and everyone was getting along, and Id finally gotten over my phobias of talking to him, and how decades of family drama I could write about forever were all behind us. Then he was gone and everyone else decided Nope. We have other plans. The entire thing is completely sinister and disgusting. Paragraph 9 : When I was going through all this with Discovers call agent last month ( XX/XX/XXXX ), she was saying they would have no record of who committed the fraud because Its not like we have camera recordings showing who was using it. For one thing, they wouldnt be video recordings. They would be incoming IP addresses. All of the fraudulent purchases were through online vendors. Discovers position here seems to be theyll do everything in their power to pry their customers for money they dont have, but you care little or not at all about protecting your customers rights. I have an aunt on my moms side who seems to be talking pretty regularly with my stepmom ever since all these legal questions started coming out, and last month she just restarted her antics of popping in and out of my online life without ever actually communicating with me. Im done trying to figure out whatever her deal is. Im not going to claim that getting toyed around by various family members caused 100 % of my debt, but its not a completely unrelated issue, either. Rest assured, IF there ever turns out to be a legal case over this, and IF there are any punitive damages owed to me ( in addition to what Im almost certain are criminal convictions ), it will be my first priority to repay my existing debt. Paragraph 10 : As long as no one is suing me, I WILL maintain monthly payments. The amount might not be very much ( right now its looking around $ XXXX {$30.00} ), but they WILL be monthly payments. The moment someone sues me, Ill have to stop paying ALL of my unsecured debt immediately so Ill have enough to hire a bankruptcy attorney. Im not saying that as a threat. Im not making any kind of dare. Im simply saying what I have to do to survive. I understand I took a risk by using this credit card, but you also took a risk offering the card. Lets not playing Completely Blame the Consumer here. Paragraph 11 : Your Express letter is utterly unnecessary. Hypothetically, if you sued me tomorrow, all youre going to do is lose yourself thousands of dollars just to flex muscle for no reason. I dont own any real estate. The only car I own is financed for the next five years. I can count my potential bankruptcy inventory on one hand. I havent consulted with an attorney, but I own MAYBE a XXXX dollars worth of beat up sci-fi books, MAYBE a couple XXXX worth of DVDs ( and I mean DVDsnot Blu-Rays ), a 8-year-old TV, a {$50.00} DVD player, a {$200.00} gaming console with no physical games, a {$400.00} mid-range computer required for my software job, and some clothes. I used to have a significantly larger DVD collection, but I pawned off the vast majority of it for spare cash several XXXX ago. I make {$2200.00} per month post-tax post-healthcare, Im effectively living paycheck to paycheck, and Im a Pennsylvania resident. Wage garnishment on unsecured debt doesnt exist in PA. Paragraph 12 : The only other thing I have is {$14000.00} sitting in my Roth 401 ( k ), but no one ( including me ) is touching that for the next couple of decades. If I cashed out everything I had in that account right now as an emergency fund and I gave all of it to Discover to settle my debt, Id still have six other unsecured creditors to contend with. In other words, its not a viable option. Paragraph 13 : Im not facing a monthly deficit, but I only have about $ XXXX- {$300.00} left each month to split between seven different unsecured creditors. In all honesty, the past few months have been somewhat of an experiment because its the first time in several years that Ive gone on a cash-only budget for all of my basic groceries and utilities. Ive already gone through Discovers recommended credit counselors ( I cant even afford a third of the plan they put together ) and Ive cut back on how much I put in my 401 ( k ) from almost {$150.00} per month to just {$100.00} per month. If I cut out my 401 ( k ) deposits entirely, I also lose my employer matching. Paragraph 14 : Mom will be out of her bankruptcy by XXXX of this year. By my calculations, she will be able to save enough money on her own that its going to save me about {$200.00} per month. But I also have to keep in mind that my school loans ( which have been forebeared for almost an entire year due to Covid ) will resume in the next couple of months. Im already on XXXX income-contingent plan and my payments are right around {$200.00} per month. Basically, moms bankruptcy ending is going to amount to a net zero difference to me.
06/05/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • XXXXX
Web
In about autumn XXXX, XXXX turned my account XXXX, despite my many emails and calls about that and attempts to turn it in XXXX again, and despite my attached emails and calls to XXXX about defective product, XXXXXXXX XXXX unacceptable in-person customer service answer, its only routing my call abroad and its time-consuming, wrong information given by its departments abroad. XXXX, then, entirely denied me access to my account continuously for about half a year through now. Each time I attempt to contact XXXX about this, it notified me on its website and on the phone that it emailed me and, despite my confirming with XXXX that it had my same email on file as on my XXXX account continuously starting decades ago, I did not ever receive any of these emails XXXX said it sent during about all of XXXX. I was always, nonetheless, able to confirm my identity verification through confirmation of my receipt of XXXX 's text messages as I called XXXX and answering XXXX 's questions on the phone. On Saturday, XX/XX/XXXX, I heard for the first time that my Discover credit card had been charged many fraudulent -- including fraudulent recurring XXXX XXXX monthly membership though I have never once consented to XXXX XXXX membership -- charges to my credit card totaling thousands of dollars. These thousands of dollars of fraudulent XXXX charges started after I had notified XXXX, including by emailing XXXX, about XXXX XXXX denial of account access to me, such that XXXX was aware it was denying me the ability to monitor it. After I had emailed the CEO 's office at XXXX on Monday, XX/XX/XXXX, attached, XXXX at XXXX XXXX XXXX XXXX XXXX confirmed by email the next day on Tuesday, XX/XX/XXXX, that she had received my email to XXXX com at XXXX XXXX XXXX XXXX XXXX As the dilemma remains that XXXX has for over half a year access to my credit cards it stores on my account, accesses my Discover Credit Card to repeatedly fraudulently charge me, including with almost half a year of fraudulent recurring XXXX XXXX membership charges, which I did not know about and was not aware of, nor could I be, as it denied me access to my account without my consent, until I called Discover on Saturday, XX/XX/XXXX, Discover has not put, despite my repeated requests, stop payments on all 3 XXXX XXXX ID # s used on my account during the relevant time period nor did it dispute all these charges right away, nor has it ever disputed these charges in a manner that allows me to upload supporting documentation. Instead, Discover hung up on me 4 times during the equivalent of multiple entire work days, during which I got no work done, and for which I am not paid, and online attempts to communicate with it over the last 3 days, as I repeatedly requested these. Please note that I originally used the XXXX site itself, before complete access to my account was denied me, to request XXXX call me. I then used the telephone number that representative gave me to call XXXX. More recently, I used the telephone number on XXXXXXXX XXXX site for unauthorized charges and fraud, attached, and the telephone number on XXXX 's own Investor Relations site 's XXXX XXXX XXXX XXXX also attached. At that last XXXX XXXXXXXX XXXX corporate number, XXXX said she could not connect me to Executive Relations, XXXX corporate office or any XXXX XXXX customer service representative or any XXXX supervisor . Instead, she insisted on placing me in the global queue, at which a representative that sounded exactly like one of the ones I have been talking to during this debacle, during which XXXX repeatedly resolved nothing rather took up many days of my time making contradictory statements then eventually hours later stated I had been transferred to the wrong department and instead fraudulently charged my account repeatedly, answered. She answered again in heavily accented XXXX that is almost always extremely difficult to understand, and I started this complaint. After Discover Fraud Department Representative XXXX disconnected my first call, Discover Billing Disputes Representative XXXX, during Call Memo # XXXX, refused to dispute any XXXX charge at all. Then Discover Billing Disputes Representative XXXX said she blocked all 3 merchant ID # s XXXX had used -- its XXXX XXXX Membership Merchant ID #, its Amazon.com Merchant ID # and its XXXX XXXX XXXX ID # -- though after she put me on hold for most of an over 2 hour call, she then said she was going to hang up on me and deliberately hung up on me. Then, Billing Disputes Representative, XXXX, in XXXX XXXX, Ohio, said, during Call Memo # XXXX, that XXXX had XXXX only put stop payments on XXXX of those XXXX Merchant ID # XXXX and had not placed a stop payment on the XXXX XXXX XXXX ID XXXX. Then XXXX refused himself to put a stop payment on the XXXX XXXX XXXX ID #. He also said XXXX had not disputed the XXXX XXXX charge, as she had earlier said she had. I said to both XXXX and XXXX that the Discover Disputes site showed a spinning circle icon for each of the disputes and did not allow me to upload any supporting documents at all. Despite XXXX and XXXXXXXX XXXX assurance that it would allow me to at least within 24-48 hours. However, it never has and still remains in the same spinning icons status. XXXX had also said that I was not allowed to email my supporting documents to the Discover Executive Office at XXXX. Early this morning, instead of doing time-sensitive work that is going to rapidly be due to be completed, I called Discover Executive Office Representative XXXX at XXXX, who said that she opened a complaint. She said she would call me by the end of the day to give me the complaint number though never did. She said I had to attempt yet again to speak to a Billing Disputes Supervisor to resolve the above. She transferred me to Billing Disputes Supervisor XXXX in XXXX XXXX, Delaware, during Call Memo # XXXX. Despite my repeatedly telling him that almost all, and indeed 11, out of my 14 disputed XXXX charges are for unauthorized, fraudulent charges I was not even aware of and had no access to my XXXX account to be aware of, and 1 charge is for a defective product I had no account access with which to attempt return or exchange for almost 10 months, as the remaining 2 charges are for a defective product that was eventually replaced after delay though I need account access to confirm that after I repeatedly asked XXXX for an invoice though received none even before account access was denied me and the last for a similar product I might have ordered though need account access to confirm, he repeatedly contradicted me as he insisted these charges were for defective products. Then, he transferred my call to a department that could not even access or see any of my disputes at all. XXXX XXXX, in XXXX, in that department transferred me back to XXXX, who said that he had falsely changed ALL my disputes to state that ALL 14 disputes are for defective merchandise I had knowingly purchased then received. I requested that he render accurate his false statements and that he put the stop payment XXXX had promised to put then assured me she had placed on the XXXX XXXX XXXX ID #, the 3rd Merchant ID # Discover said was on my credit card account during the relevant time frame, as I had no access to my account to monitor XXXX 's continuous fraudulent, unauthorized charges. XXXX refused to block the XXXX XXXX XXXX ID # despite XXXXXXXX XXXX earlier promise to then assurance that she had. After I asked why, which I said made no sense given the dire situation and that the other 2 had been blocked due to the ongoing constant, extreme fraud coupled with denial by XXXX of access by me to my account, he said that he was going to reverse the stop payment on the 2nd XXXX Merchant ID # and unblock it so that that XXXX Merchant ID #, which had charged 4 unauthorized charges of almost {$1000.00} each in 2 days, on about XX/XX/XXXX and XX/XX/XXXX, right after XXXX was aware by my notification attempts that it was denying me access to my own XXXX account in order to monitor it, could resume fraudulently charging me. XXXX deliberately, after two entire days ' equivalent of lost work for which I am not paid of speaking to Discover about its deliberate repeated endangerment of my account as it hung up on me repeatedly instead of disputing then allowing me to upload supporting documentation about all these charges and my requests to block all XXXX Merchant ID # XXXX used on my account, now allows the XXXX Merchant ID # that fraudulently charged me almost {$4000.00} to charge me again repeatedly, fraudulently. I called the Executive Office for the third time just today, asked for XXXX, was told by XXXX that XXXX had gone for the day without ever calling me with my Complaint #, and asked that Executive Office Supervisor XXXX resolve the entire situation, then contact me confirming that he has and write me a snail mail letter in confirmation and answering all my complaints. XXXX then said I can email documents supporting my disputes, after all, to XXXX, after Billing Disputes Representative XXXX had said on Saturday just 2 days ago I could not and XXXX had repeatedly said neither she nor the Executive Office could do anything at all about Discover 's Disputes site not allowing me to upload supporting documentation. These are the Disputed charges : 1 ) Post Date : XX/XX/XXXX Description XXXX XXXX XXXX Amount {$16.00} 2 ) Post Date XX/XX/XXXX Description XXXX XXXX XXXX Amount {$16.00} 3 ) Post Date XX/XX/XXXX Description XXXX XXXX XXXX Amount {$16.00} 4 ) Post Date XX/XX/XXXX Description XXXX XXXX XXXX Amount {$16.00} 5 ) Post Date XX/XX/XXXX Description XXXX XXXX XXXX Amount {$16.00} 6 ) Post Date XX/XX/XXXX Description XXXX XXXX Amount {$820.00} 7 ) Post Date XX/XX/XXXX XXXX XXXX XXXX Amount {$950.00} 8 ) Post Date XX/XX/XXXX Description XXXX XXXX Amount {$960.00} 9 ) Post Date XX/XX/XXXX Description XXXX XXXX Amount {$960.00} 10 ) Post Date XX/XX/XXXX Description XXXX XXXX XXXXXXXX XXXX Amount {$37.00XXXX XXXX ) Post Date XX/XX/XXXX Description XXXX XXXX Amount {$31.00} 12 ) Post Date XX/XX/XXXX Description XXXX XXXX Amount {$0.00} Dispute # XXXX XXXX*13 ) Post Date XX/XX/XXXX Description XXXX XXXX Amount {$28.00} I am asking that Discover right away permanently refund me the sum of the {$82.00} total of the 5 fraudulent XXXX XXXX recurring charges and the {$3700.00} in XXXX fraudulent, unauthorized charges for a total refund of {$3800.00}. I also on Saturday night telephoned the XXXX XXXX and Unauthorized Charges Line Supervisor at XXXX. I spoke to Supervisor XXXX XXXX in XXXX, XXXX, though have not received access to my account yet, do not ever receive emails from XXXX, which XXXX said it sent today and each time I called about denial of access to my account over the last about half a year ( yet I receive emails from everyone else ) and have not received any credit yet. He said that, despite how the XXXX supervisor during my late XX/XX/XXXX call confirmed that XXXX had made an error causing me not to have access to my account and that XXXX error was the proven and only cause, XXXX now suddenly stated XXXX has added 2-step verification on my account and refused to assist. I obviously did not add 2-step verification on my account, after these earlier 2023 calls, as I had been told by the XXXX supervisor XXXXhat it was XXXXXXXX XXXX error causing denial of access to my account and causing my non-receipt of any XXXX emails XXXX Since I had no access to my account, to do so would be impossible. I spoke to XXXXXXXX XXXX XXXX supervisor, a manager who said XXXX can easily remove the 2-step verification now on my XXXX account under XXXX alone 's access to it, restore my access to my account and credit all the above charges. However, he refused to do any of these at all during that call and said he was going to call me back then hung up on me and never called me back.
09/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 18017
Web
This company has yet to show me proof that I was ever late pursuant to the following laws : 12 CFR 1026.13 - Billing error resolution. ( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan. ( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8. ( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed. ( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account. ( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor. ( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. ( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required. ( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error. ( c ) Time for resolution ; general procedures. ( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice. ( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date. ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. ( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section. ( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer. ( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable. ( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) XXXX report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) XXXX not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report. ( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error. ( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
03/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 07054
Web
On XX/XX/XXXX of 2020, I called to make a {$400.00} payment due, and they had notified me of my credit balance on the account in two amounts ( lump sums ). one for {$960.00} and a second for {$2800.00} ( was {$3200.00} but they deducted the first {$390.00} payment from balance ). So in total from XXXX 2020, {$3800.00} was a credit balance from " me '' to pay down the payment every month as told to me by the representative I spoke to that day, around XXXX on XXXX/XXXX/20. That means that, XXXX would be deducted at the start of every month, till the balance reached under that amount then I would be required to come current on payments again. That would grant me 10 months starting XXXX 2020, and would end then XX/XX/XXXX2021, and payments would restart XXXX 2021. I mad a payment of {$100.00} on XX/XX/XXXX2021, when I immediately learned it was somehow delinquent. XXXX XXXX, never posted the payment credit of {$960.00} through the credit agencies on my report. It shows no payments were made then in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, ( I called and spoke to two representatives, in the actual Head quarters, regarding questions I had about the loan amount and warranties ) XXXX, XXXX, XXXX they marked as -30 days late, and then XXXX -60 days late, YET! NO! invoice was ever mailed, showing the XX/XX/XXXX balance and requesting a payment again. They did mail 4 stubs and itemized statements, showingXX/XX/XXXX due and the balance of the amount deducted from the total, which is correct. BUT! there is not any accuracies within their ability LIKE THEY HAVE ALREADY! falsely marked the account late. Mathmatically. XXXX XXXX XXXX balance of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, still had a credit and talked about recommendations of trading in car for the corporate fleet lease trade in, because its a brand new car and limited miles, and they have no warranty transfer amount like I had to pay with a CPO! I was charged {$1700.00} in total for brakes, when the car wasn't even driven XXXX, A CPO! and the warranty that WAS STILL NEW ON THE CAR ( manufactures warranty ) just to be put in my name, to STILL PAY FOR THE BREAKS! I put XXXX down cash on the car, somehow wound up getting the loan for XXXX and then paid for the warranties and gap on top of it, which I cancelled and didn't get all my money credited back. Not to mention the whole finance division was fired for stealing money and doing swindling of some sort ( first hand account, of not being told where my money went and the rip off they cost me at XXXX XXXX XXXX IN XXXX NJ! ) MOST UNSATISFIED I HAVE EVER BEEN WITH THAT LOCATION, and I have bought from them many times at XXXX! and NEVER HAD A PROBLEM! come XXXX we still have a balance of {$1000.00}. XXXX XXXX XXXX XXXX we are now starting XX/XX/XXXX with a balance of XXXX. THERE WAS NEVER A LATE PAYMENT> so, there was a payment then made on XX/XX/XXXX for the amount of XXXX. There for the full amount of me paying the entirety of this loan from the date of purchased XX/XX/XXXX to XX/XX/XXXX is XXXX and that on their amortization schedule current as of the moment I wrote this. and that works out to me paying them ( divided by exactly 24 months ) XXXX per month. THAT FACT CHECK PROVES THERE WAS NEVER ANY MISSED PAYMENTS> I made another payment to them from the XX/XX/XXXX one, of XXXX. I called them on XX/XX/XXXX and asked what the heck is going on, and they said to challenge it and fill out the paper work they emailed me and their investigator from a third party company will verify what I said and then correct it, just be as detailed as possible. Not one statement regarding a payment due was sent to my address. for 15 years straight I HAD NEVER MISSED A SINGLE PAYMENT IN MY LIFE> with an available credit of XXXX by my choice, I didn't want it higher. Suddenly end of XXXX, Discover dropped my credit from XXXX to XXXX ONLY! then XXXX XXXX dropped my ONE CARD! every day card all together and the second XXXX XXXX card I have with XXXX POINTS! they dropped the available credit to only XXXX! Same with ALL MY CARDS! I now have either NO CARD because they CANCELLED ME ALL TOGETHER OR!! they dropped it to XXXX, now totaling from XXXX to XXXX combined. BECAUSE OF THE MISSED PAYMENT! WHICH WASNT EVEN MISSED! There is no excuse in the world that would allow for me to comprehend, the scenario of : first time offender, missed two payments 30 and 60 ( which is what they said XXXX, how suddenly after 15 years of CONSECUTIVE ALWAYS ONTIME PAYMENTS NEVER ONE SINGLE MISSED IN MY LIFE!!!! ( 3 car loans, 4 student loans, 8 credit cards etc ... all paid off too!! except the newest car loan, from XX/XX/XXXX ) so, if first time offense, covid-19 financial hardship, wouldn't they CONTACT ME TO DEFFER THE PAYMENTS? OR OFFER FINANCIAL EDUCATION ON RELEIF?? especially since I did call NUMEROUS TIMES in XXXX, XXXX, XXXX twice! and spoke with someone. There was never anything offered as of an assistance for financial hardship, and they marked it wrongly late, when the math, that is even on the amortization schedule I will upload conquers this, and it WOULD HAVE BEEN MY ONLY AND FIRST OFFENSE IF IT WAS EVEN LATE> but there was no letters, calls, or contact, or statements, made to me. This blows my mind, there is also XXXX that isn't accounted for, from the credit balance I made in XX/XX/XXXX, from the warranty I cancelled. they said if I wanted a check or I could have it submitted to XXXX towards payment, so I did, along with the gap which they didn't give me the correct amount back, because for 6 months I was trying to get them to cancel it. Since the WHOLE FINANCIAL department at that deal was terminated, it took months and months of me calling and going there to even get them to give me the paper to sign. This is severely impacting my financial life line I have right now. XX/XX/XXXX I was let go from job as an esthetician and also residing 20 miles out side of XXXX we were impacted the hardest in the begging and even now. I was not accepted for unemployment since I only started that job 5 months prior to covid starting. SO! PUA! I was finally accepted in XXXX, from the original application in XXXX, and only received a measly {$310.00} a week, and ran out of money some time ago. with rent {$1400.00}, credit card bills, some how NEVER DECLINING IN A BALANCE OF original amount {$0.00} out of {$5500.00} as of XX/XX/XXXX. XX/XX/XXXX = {$3000.00} out of XXXX ( all fraud ) XXXX $ XXXX FRAUD out of XXXX ... .come now XX/XX/XXXX I have PAID OUT XXXX to credit card bills that never decreased only increased, to things that aren't even on statements, but they are saying I owe them this money. today alone, amex and XXXX XXXX called 39 times, combined total. When, XXXX XXXX was paid 11 times in one month, and XXXX, I was just sitting in their branch on Thursday! with their accounts person named XXXX, for the 19th time, about how this fraud. Someone has spoofed me, and when calling to inquire I gave out the social and the login credentials, and like an XXXX, things just crazy from XXXX to now. XXXX, was given in excess enough to cover the amounts that were to current, XXXX $ is shy from the amount that was carried through as left over, there was no late payments for XXXX and XXXX. they claim its 30 and 60 late. I have a frozen file and have been constantly in touch with everyone and the banks and XXXX XXXX and the police and been through mental anguish XXXX, and financial XXXX, and medical XXXX from covid, that this would be seen immediately if they viewed my credit file, which they did. I have closed out my bank accounts three times since XX/XX/XXXX, for this fraud. XXXX XXXX said they weren't paid either, but they were, and I have XXXX XXXX itemized log, showing they were paid 8 times in one month, but yet there's about XXXX debt I saw today on the credit report, and there was nothing purchased since XXXX of XXXX, and they were paid in great access far past that amount. XXXX XXXX credit card, has three charges all from the same location, a XXXX XXXX in XXXX nj for the same amount, taken from my account for XXXX, and change, yet I never was there that day, I was in a job interview and in new york and XXXX, working in XXXX XXXX, XXXX and XXXX, which is insane because XXXX is like XXXX hour plus west, with out traffic. and they showed on the statement, XXXX debit from my account from my credit card, XXXX from my debit card, and XXXX from a past card I guess that I had ... .. this is crazy! so, if they didn't receive a payment because XXXX XXXX is the culprit behind all this money stolen, then I needed them to contact me ( XXXX by statement via mail like it was always sent, showing the XXXX XXXX they had in their possession was now at a XXXX balance, and that they are requesting payment ) I needed them to explain to me that there were credit options available for me since I was suffering from XXXX, XXXX, out of work esthetician in the beauty field, and in the metro vicinity of XXXX, at which I would have taken them upon those offers, like they gave to many people, but since I was onto of everything, they said that the credit balance would be for. year roughly, at which come the suprise of a life time in XXXX when I see that through XXXX dropping my available credit from XXXX to XXXX for many late and missed payments through a transunion report, which is bs because my credit report is FROZEN and monitored through XX/XX/XXXX I pay for and XXXX a case I have opened to resolve this, so I don't even know how XXXX was granted access, and what are the many missed payments? well then I find out XXXX didn't post a payment for a year. a whole year. it shows on my credit report I didn't pay my car payment for XXXX year and am late!!!!!! THATS CRAZY. they need to have it debiting correctly, the exact amount of XXXX, they payment due, from the balance of XXXX and then when its negative money or there's not enough to cover in full, which would be XXXX of XXXX, with a left over of XXXX, but by then I'm already flagged negative critical past due, delinquent, and this has had the most catastrophic result on me, when I so diligently paid every since month for 15 years straight on time, reaching perfect credit, sitting at XXXX, just scooting by living off my life savings I was using to buy a house, but unemployment only allows XXXX a month, and that didn't even cover food, rent, let alone anything. I didn't leave the home, because of quarantine, and I did loose family, and my self and my son have had severe XXXX XXXX, and he stopped being able to walk at the age of XXXX, and had to have physical therapy and see an oncologist, and the medical costs due to now being on state XXXX, well, its XXXX an office visit, but I still didn't go under from covid, until now. and all from XXXX falsely recording missed and late, when in fact they didn't put the second credit balance payment of lump sum on same day at the other XXXX/XXXX/20 of XXXX the fraud is out of control and identity theft. I tried to get into XXXX XXXX and they locked me out because of security question, what person do I know lives in XXXX XXXX in a lease or bought a home.. three names and then one that says I don't know, and I put I don't know, because I don't! apparently I'm supposed know one of the people or am related to or am married to one of them. which is insane.
05/07/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OH
  • 43050
Web
On Wednesday, XX/XX/2023 I reached out to my credit card company, Discover, to explain that my financial and personal information was compromised. Leading up to that day of realizing that my information was taken, I had just recently discovered that the girl claiming to have feelings for me and being my girlfriend was part of a " Pig Butchering ' scam. She had sent me a screenshot of her pristine credit report and told me a lot about her job with trading cryptocurrency when we would XXXX. That is why I believed it because we would XXXX and chat on XXXX. I never sent her money but she was able to gain screenshots of sensitive information when I signed up for her financial website and it was actually a cloaking site so that she could grab my information. I didn't know if it was from this online dating encounter or from something else like the XXXX app that asked for remote access to my phone during the process. I still don't know where the identity theft came from I just knew that I was dealing with fraudulent charges on both my bank account and my Discover account. What I did know is that both my XXXX XXXX information and my Discover card started receiving fraudulent charges in early XXXX and I called to report this to Discover for the first time on XX/XX/2023 or if it wasn't that day it was definitely before the charges that I will eventually bring to light ( XX/XX/2023 ) I explained to Discover that my information had seriously been compromised to the point where I was opening a whole new bank account at XXXX and I wanted to close my account with Discover. Discover assured me that my security would be protected. They convinced me to keep my account and said that they would send me a new card in the mail. In the meantime, they told me to hold on to the Discover card that I had. They said with the Discover card I had I would be able to make purchases at physical locations, but that they would restrict all internet/online purchases. I was satisfied enough with this resolution because they told me the card would be in three days. Fast forward Monday, XX/XX/2023. I still had not received my new Discover card in the mail, so I used Discover card that they told me to keep to buy some candy at a gas station that morning. After the purchase I had some time to kill and I was just checking my online account to see what my balance was and to inquire about why I had not received my new card yet. I was still unable to make internet purchases with my card that I had because of the restriction that I put on for security purposes. When I logged on to my Discover online account I was shocked to see that Discover had charged me XXXX dollars in online purchases to a place I had never used my Discover card in my life XXXX XXXX XXXX These charges went through to an online gambling site on XX/XX/XXXX in XX/XX/2023 at like XXXX or XXXX in the morning. I was shocked and I called Discover right away to report the fraud. I explained to them that I had been with my baby daughter all week and all weekend because I get her split custody. I had no idea what these charges were or how it was possible that they would allow this much to be charged when I had reported a security threat just a week before. I reported XXXX dollars ( seven charges of XXXX each ) as fraud and reminded Discover that there was supposed to be an online restriction on my account. I asked them how these charges were possible when there's an online restriction and I haven't even received my new credit card yet. They did not have answers, but were very understanding of the fraud and reimbursed me for all the charges. After the reimbursement I was able to establish a brand new bank account at XXXX and I was finally able to get a new credit card from Discover. Here is where the problem starts. Discover called me Friday, XX/XX/2023 to let me know that they had reversed their decision of fraud after investigation. They said that their reasons for reversing it were because I never reported my driver 's license as missing and the online site that charged the purchases was able to obtain my driver 's license photo. They also said that because I had a previous fraud problem that they were reversing it. They also said that the charge had been verified through my email at close to XXXX XXXX. on XX/XX/2023. Those were their three reasons, which in my opinion have nothing to do with the problem of the fraud itself. They asked me if I wanted to present any new information and have them re-review. I said yes and I reiterated everything that I explained when I first called and reported the fraud two months prior. I explained to them that there is no possible way that I could have ever of made these charges because I never received my new credit card and the credit card I did have was restricted for online purchases because I was having an identity theft crisis with my information and I needed all new financial stuff. I explained to them that my driver 's license could have easily been obtained through the screenshots that I had originally told them about. I explained to them that my email had been compromised and they already knew that. So if something got approved over email it could have easily been manipulated by someone else. I asked them what credit card was used for these purchases because it's no way it's the one I physically had because of the online restriction. They had no explanation for this. Anytime that I have ever activated a credit card there or for MasterCard, I have had to be voice activated, especially when I had a security concern already on my account. They told me that there was no voice activation to clarify who activated the card, that some cards can be activated with a dial feature. I told them that that is not true because the credit card I have now I had to voice activate and if you really can dial activate why would they allow that if I had a security concern on my account. Why wouldn't they demand to talk to me in person before that card was activated that was used for the {$7000.00} purchases. They had no answer for any of that. There was a security alarm on my account and Discover allowed XXXX of purchases to take place through email verification. I gave them plenty of warning that my account was under attack and they allowed XXXX in the middle of the night when I'm with my daughter asleep and I wake up to it on Monday morning to see that my account have been charged all that money. They still have not given me an answer on what exactly happened and what card was used and how it was activated and how it was verified. That is my proof that none of this is me and they won't acknowledge that. I did not activate or verify the card that was used to make {$7000.00} of purchases. Anytime I've ever had to verify a purchase I've had to call into the credit card company and speak to somebody, they said that never happened. Whoever verified it did it through email at XXXX in the XXXX on a Saturday when I'm with my daughter and it didn't even require voice confirmation even though my account was red flagged for the fraud I had reported a week prior. You are welcome to cross reference all of this with Discover because I have told them all this and I do not understand why they are doing this. I have always paid my Discover card in full. I never even knew that you could use Discover card for online gambling until these charges took place. I have never had a problem paying my Discover bill and I have never come close to spending that much of my credit card limit. I have never spent over {$4000.00} in a month at Discover but they allow {$7000.00} of charges and one night on an account that had a security red flag on it. My credit score will back all that up. These charges were completely random and not in line with anything that I have ever bought before and I have never spent that much money before. I have been with Discover over 10 years and never had a problem like this. Here 's the action I have taken so far. I reached out to a lawyer and got counsel. Based on the path he laid out for me these are my plans of action. Outside of reporting this to CFPB, I have also written this report to the Federal Trade Commission. I have paid my Discover balance all the way down to where {$7000.00} is left, the exact amount that is in dispute. That {$7000.00} is going to come due and I am not paying it. These are not my charges, these are fraudulent charges and I was not protected when I did everything I could to let Discover know that my information was under attack. I am happy to give more information. However, I know what's going to happen. Discover will be asking for XXXX dollar payment at the end of XXXX and start charging 25 % interest on that XXXX. If that is their plan then I will be writing them a letter of my intention to close my account and not pay the outstanding charge because it is not my debt. It is fraudulent and I reported it as such and I am protected under the XXXX Credit Billing Act for a maximum liability of XXXX XXXX XXXX am willing to pay that to Discover, the {$50.00} if that's what they want. I will not pay {$7000.00}. I still don't know how this got approved, how a card I never received got activated and used for {$7000.00} when I never charged my card like that. I wanted to get ahead of this so that Discover stops taking advantage of me because they're just going to hit me with that interest to try to put pressure on me to pay for something that is not my charge. Plus like they said I can keep presenting new information but it's just a never-ending process if they deny the fraud and I keep having them reinvestigate it then the interest will continue to build on the {$7000.00}. At this point they are leaving me no choice. I plan on closing the account with the {$7000.00} left on if they don't remove it. Upon a closing the account I will not pay the {$7000.00} and if they want to send it to collections I will let it go to court if they want to sue me because I know these are not my charges. I also know that I am protected from fraud and I will fight for those rights. I have the money to pay the {$7000.00} off right now, I could make this problem go away by just paying it. That is wrong though. I was with my daughter when this fraud took place, she is just a baby and needs this money. As a consumer I did everything I could to let Discover know that my information was compromised and they let these absurd charges happen. The reasons they are giving for justifying their decision to reverse the fraud are nothing to do with the fraud itself. I am willing to go to court to fight for all this, to fight for the truth. Please reach out to Discover and let them know that if they don't remove the {$7000.00} from my account before the first interest payment hits then I will be closing my account with no intention on ever paying the fraudulent charges. I will fight this in court if they want to sue. I know the truth and I will stand by it. The best resolution would be to honor the fact that they did not secure my account. XXXX has already honored it. I always pay my Discover XXXX and I plan on continuing to do that for the purchases I make. I will not pay for thesecurity breaches of my creditors when I did everything in my power to preemptively stop it and to report it as soon as I discovered it.
11/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30680
Web
To whom it may concern ; This statement is regarding internal reference number : XXXX My wallet was stolen from my local gym, this past summer. In my wallet was my drivers license, SS Card, a XXXXXXXX XXXX XXXXXXXX XXXX credit card, both a XXXX XXXX XXXX credit and debit card and my Discover Credit card. I called Discover notifying them that my wallet was missing and there was already a summation of {$1700.00} worth of unauthorized transactions. I asked for the card to be locked and the transactions were disputed. I explained to Discover that no one else had authority to use my card. The transactions consisted of out of state purchases and unauthorized online transactions. As of XX/XX/XXXX Discover is holding me responsible for all out of state and online purchases. I have contacted the merchants regarding some of these transactions and have received details. From the information I have gathered, it appears that these transactions are made from email addresses that DO NOT belong to me. The email addresses are ; XXXX, XXXX, & XXXX. Both the billing and shipping address always have my name misspelled or some strange variation of my name. These transactions are also being authorized by a phone that DOES NOT belong to me. I have also been made aware that my Discover portal has documented conversations within the messaging center that did not come from me. There are messages coming from my portal on XX/XX/XXXX and XX/XX/XXXX asking why the card is declined and why the card is blocked, respectively. My Discover was used to make unauthorized purchases from XXXX XX/XX/XXXX. The law states that : " Under a XXXX Federal rule called Regulation E, banks are required to make clients whole if their money is stolen from a consumer account through an electronic payment initiated by another person. Since Reg E was written well before payment apps existed, the Consumer Financial Protection Bureau has issued guidelines saying that the law covers all person-to-person online payments. The bureau clarified that all unauthorized online money transfers- meaning any payment initiated by someone other than the customer and done without the customer 's permission- were the bank 's liability. But despite the updated guidance, banks in many cases are refusing to refund customers who claim - often with supporting documentation. Ive included in past statements, however it renders mentioning again, that my license and SS card were in my wallet when it was stolen. This information was documented in the original police report I filed shortly after my wallet went missing. It would explain why my address may be on some, if not all, of the purchases. I was also made aware that fraudulent credit card applications were being made in my name, with my SS number. The charges on my Discover card NEVER should have been approved. There are so many blatant inconsistencies with incorrect spelling, strange email addresses, and different phone numbers that it should have been a red flag for Discover, yet theyre the ones that permitted over {$1700.00} in fraudulent transactions. Furthermore, at least half of these purchases are made in South Carolina ; I live in Georgia and I have not been to SC at all this entire year. I have never received a request to approve or deny these transactions. I notified Discover that my card was missing when I filed the police report and from there responsibility and negligence fell on Discover, not me. In regards to Discovers first decision for a fraud claim with the account ending in XXXX. Both XXXX XXXX and Discovers customer advocacy department have relayed statements regarding your original decision. With that I have drawn up demurs for said statements : -My assertion does not dictate that my wallet was stolen on XX/XX/XXXX and the statement given to the police confirms. My gym was closed on XXXX, making it physically impossible for said wallet to be stolen on that day. What was said was that it was taken the WEEK OF XXXX. The police report was filed on XX/XX/XXXX. The assertion given, on XX/XX/XXXX, to your financial institution was that I had received the card, but did not use it prior to being taken. When I called your institution and agents advised that the card would be canceled and a new card would be sent out in the mail. Yet, Discover failed to cancel the card and, conveniently, no new card was EVER sent out until XX/XX/XXXX!! -I was locked out of my Discover account center access after I called in XXXX. I was denied access. AGAIN, I called into your financial institution and I was told that this was standard procedure after filing a claim and that it would remain locked until the investigation was completed. Yet, no other action from your financial institution was taken, other than locking my online account. My card was not canceled and no new card was sent out. Therefore, it would be the physically impossible for me to approve charges via my online account because I WAS LOCKED OUT. The only verification request I received, from my valid email address was a charge on XX/XX/XXXX from XXXX for {$240.00}. I selected no and I was sent confirmation that the charge was declined. I am providing documentation as proof. -only XXXX email alert was sent, regarding charges. It was on XX/XX/XXXX from XXXX for {$240.00}. I did not verify the charge and was told that it was declined and Discover would be notified. -From XXXX I received an email from Discover regarding my dispute FOUR different times. These emails all stated the same thing : that I could still access my online account and that I would receive a new card in 3-9 business days. When, in fact, I could not access my online account and no new card was ever sent. -Discover has failed to yield ANY evidence from merchants. I, however, have contacted ALL online merchants. I have also crossed referenced this information with the evidence provided from XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX other credit cards that were also in my wallet and taken at the same time ). The email addresses used in these online transactions are : XXXX XXXX XXXX and XXXX. ABSOLUTELY NONE OF THESE EMAIL ADDRESSES HAVE BEEN VALIDATED. Transactions from XXXX and XXXXXXXX XXXX XXXXXXXX do not match my IP address. Discover refuses to produce IP addresses, however since the same email addresses were used, more than likely the same IP address was used and said IP address DOES NOT belong to me. I have provided my correct IP address as documented proof. Furthermore ; my name & phone number are misspelled and incorrect on ALL shipping addresses COUNTLESS times. And I have made MULTIPLE statements that NO MERCHANDISE has been received at this shipping address. -In the evidence provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX all purchases were made from an XXXX XXXX. DISCOVER REFUSES TO PROVIDE SUFFICIENT EVIDENCE. However, I HAVE NOT OWNED AN XXXX XXXX SINCE XXXX. This can be confirmed with my cell phone XXXX. I have provided documented proof with the XXXX phones I have owned in XXXX ; am XXXX XXXX and an XXXX XXXX. The ONLINE TRANSACTIONS MADE WITH MY DISCOVER, XXXX, & XXXXXXXX XXXX XXXX XXXX CARD WERE ALL MADE WITH AN XXXX XXXX WHICH I DO NOT OWN. -Discover has falsified records stating that purchases were made with an XXXX XXXX and is refusing to provide evidence proving that. The penalties for the unlawful or accidental removal, defacing, alteration, or destruction of XXXX records or the attempt to do so, include a fine, imprisonment, or both ( 18 U.S.C. 641 and 2071 ) -Discover is stating that ALL in-person transactions were made in my local area. My wallet was stolen from my LOCAL gym. However, I have called and verified charges because Discover REFUSES to do so. On XXXX a transaction was made to XXXX XXXXXXXX for {$64.00} XXXX XXXX, SC. On XX/XX/XXXX transaction to XXXX {$150.00} XXXX XXXX, SC. On XX/XX/XXXX XXXX XXXX {$12.00} XXXX XXXX, SC. XXXX XXXX XXXX is blatantly lying. He is failing to research and he is failing to provide evidence because it would contradict his statements. He is providing false statements to support his narrative. I have spoken to him on the phone and he has accused other financial institutions of not doing their research when he himself has done ABSOLUTELY NO RESEARCH. I have provided him with names and numbers to my points of contact at XXXX and XXXXXXXX XXXX XXXXXXXX XXXX who worked tirelessly to conclude the CORRECT DETERMINATION. It is obvious that Discover has refused to review the facts I have provided. There is a preponderance of sufficient evidence to declare that my Discover, XXXX and XXXXXXXX XXXX XXXXXXXX XXXX card were all take at the same time and used by the same individual to make BOTH online and in-person unauthorized transactions. Therefore ; I the cardholder should not be held accountable for any charges ranging from XXXX. According to a XXXX Federal rule called Regulation E, banks are required to make clients whole if their money is stolen from a consumer account through an electronic payment initiated by another person. Since Reg E was written well before payment apps existed, the Consumer Financial Protection Bureau last year issued guidelines saying that the law covered all person-to-person online payments. The bureau clarified that all unauthorized online money transfers- meaning any payment initiated by someone other than the customer and done without the customer 's permission- were the bank 's liability. Neither XXXX XXXX XXXXXXXX nor XXXXXXXX XXXX XXXX XXXX hastily rushed into this decision. There were XXXX other claims, besides Discover, filed with XXXX different financial institutions. They all took time in conducting their own investigation, yet all XXXX of the investigations came back to the same conclusion : the card was in fact stolen and all transactions were fraudulent. Therefore ; my claims were awarded in full. The claims varied in amount : XXXX Debit- {$3400.00}, BofA- {$2700.00}, XXXX by XXXX XXXX {$1600.00}. I have personal names and numbers of individuals that worked on the cases. For XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX. For XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX ( XXXX ) XXXX. I will continue to file complaints and reassert charges until Discover resolves this matter correctly. These charges were made without my knowledge and without my permission, which is the very definition of fraudulent transactions. I ask to please not hold me responsible for these unauthorized charges. It would be reasonable, in light of Discover card being stolen, that said transactions from XXXX be resolved in the cardholders favor and credited back to my account in the amount of {$1700.00}. Please see attached for documents solidifying that my Discover was in fact stolen at the time of these unauthorized in-person and online purchases. I have also included claims from XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX that were awarded in my favor, in full. Sincerely, XXXX XXXX
10/31/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 606XX
Web Servicemember
Debt Validation and Complaint against Discover Card ( subsidiary of XXXX XXXX ) This letter is being sent to you in response to your XX/XX/2020 Debt Collection attempt on the debt I purportedly owe to Discover Bank ( formerly the XXXX XXXX XXXX ), which is a part of XXXX XXXX /Federal Reserve who controls Discover as of today. Only a legal owner of the debt can collect the debt, IF it was the actual debt and IF this debt exists. Discover Bank, in its own words to Federal Agency ( SEC ), never was an owner of my Note, while my transaction was with totally different parties and totally different nature that Discover misrepresent to me. In reality, I was paid for providing financial Services to Big Investment Banks masqueraded as extension of credit by Discover ( a sham conduit ) to be deceptively drafted into a high-risk securitization scheme operated by XXXX XXXX , XXXX XXXX XXXX, and other large Investment banks, under leadership of Federal Reserve. To the wit, I was paid to issue a Promissory Note which was used by Big Banks as a base of their securitization scheme without any compensation to me or royalties for use of my - plus return the only payment for my financial services if I use it as a credit card. According to current report filed by Comptollerr, XXXX XXXX XXXX, one of the real parties and the main underwriters for Discover Card Master Trust I, who purportedly issued {$1.00} XXXX shares backed in part by my identity, made about {$10.00} per {$1.00} paid to me for my financial services, which means received at least {$16000.00} as unjust enrichment. None of this was disclosed to me at the time I issued a Promissory Note. According to GAAP, Discover ( IF it were an owner of my purported debt - must record my Note as an asset on their bookkeeping ledger ; and write off any balances IF they received any extra profit on top of disclosed. According to Discover Master Trust Prospectus, Discover Bank was a Sponsor, Originator of Assets and Servicer ( but not the owner ) Central Index Key Number : XXXX while Discover Funding LLC was a Depositor Central Index Key Number : XXXX into a Discover Card Execution Note Trust, Issuing Entity of the Notes Central Index Key Number : XXXX, Discover Card Master Trust I, Issuing Entity of the Collateral Certificate Central Index Key Number : XXXX, where BOA and some other Big Banks acted as Underwriters. The Collateral Certificate ( one, for all {$1.00} XXXX ) was issued via book-entry system owned by Federal Reserves member Depository Trust Corporation and assigned to its subsidiary XXXX XXXX XXXX, as the sole Registered Shareholder, through its parent holding company the XXXX XXXX XXXX XXXX XXXX self-regulated companies, as the only beneficiary of the Certificate where Disclover Bank was a sham conduit sponsor ; originator of assets and servicer but never OWNER of the underlying assets aka my Promissory Note. According to Prospectus ( Form 424B5, filed with SEC ) Delivery : The notes offered by this prospectus will be delivered in book-entry form. Except under limited circumstances, purchasers of notes will not be entitled to have the notes registered in their names and will not be entitled to receive physical delivery of the notes in definitive paper form. In other words, Discover Bank, who was a Sponsor, Originator and Servicer, but not the Owner of my Note ( as disclosed in Prospectus ) via its underwriters, XXXX XXXX XXXX, ect. offered INFORMATION about my Note for SALE via book-entry system owned by XXXX and XXXX XXXX XXXX while the entire transaction with me was a camouflaged as a demand to repay my only compensation for financial services to Big Banks who made at least $ XXXX from trading my identity ( aka identity theft ) on the open market. None of real parties or real nature of my transaction was disclosed to me, as well as profits from trading derivatives information about The Certificate held by XXXX XXXX XXXX on the open markets. All without my knowledge or consent, no need to say without any compensation while I am entitled for at leat 20 % of royalities from ALL trades by ALL parties engaged in this transaction. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for. Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; or explain based on which authority you can collect from me. Please provide me a copy of retainer for XXXX XXXX XXXX by their purported client, Discover Bank. Please note that only a creditor or a lawful assignee of the creditor can collect a debt. The creditor is by definition the party who claims to own the debt. If they own the debt then they are reporting the debt as an asset receivable on their accounting records. Since investors do NOT buy debts, but merely buy imaginary certificates via XXXX/XXXX book entry system, backed by information about the debt, there is no party anywhere that is a creditor. If there is no creditor, there can be no debt, because there is nobody entitled to receive payment. Please explain based on which evidence you concluded that I owe anything to Discover Bank and not Discover Bank owes to me a part of profits they received from trading my personal data on the open market without my knowledge and consent, no need to say without fair compensation. Based on my estimate, parties who involved in my transaction received at least {$16000.00} revenue by selling my securitized data to investors who are NOT my creditors ; while only returned me {$1600.00} as a one-time payment for issuing a Promissory Note based on which XXXX and other Big Banks ( acting under glimpse of Discover, who is merely an originator but not the owner of any Notes ) sells their derivatives and other unregulated securities, which XXXX expects me to return them with interest. Please be informed that I demand royalties, no less than 20 %, from ALL sales of profits from securities backed by my name and signature, no less than {$3300.00} owed to me by XXXX XXXX XXXX, plus treble damages for fraud plus treble damages for racket via local racketeers with legal licenses XXXX XXXX XXXX, XXXX and their mob member XXXX XXXX. Please provide me evidence if my Promissory Note as Appeared on the Application for the Credit was processed by Discover Bank in accordance with GAAP. Was it placed as a receivable to Discover Bank account to generate profits? If yes, please state how much profits were generated by using my signature on the Application as an ASSET on Discover balance sheets. Please explain me how the cash earlier credited is now deposited. Is this a debit to cash and a credit to a bank liability like a checking account or demand deposit account or savings account. Is it treated as a new ASSET on the Discover balance sheets? Is this new ASSET came from me, as a borrower, thus Discover owes me a liability related to this new asset? Please provide me the proof where was my Promissory Note ( application to buy a credit card ) recorded byDiscover. Please state if my promissory Note was securitized and sold to investors for cash and how much profits Discover received by trading on my name, signature and reputation on the open markets. Please send me a document where it said that I allowed Discover to use my name, signature and reputation to trade on the open market as a security to generate profits ; or to pass my information to any third parties such as XXXX or XXXX XXXX XXXX. Discover got my Promissory Note/Application for Credit for free and I suspect that is was used as an asset to generate massive profits by trading on my name, which equates to identity theft ; swindling and counterfeiting. I respectfully request to validate for me this debt and provide me adequate assurance that my promissory Note was properly recorded in Discover bookkeeping ; disclose if my application was used as a guarantee for any trades ; the amount of profits received from trades ; and a copy of the document where these transactions were explained to me and I gave my permission to these trades. Once Discover provide me a full validation of Debt and Adequate Assurance, I will send you the next payment. This is not a refusal to pay but the request to validate the Debt. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act ; Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
12/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • NY
  • 117XX
Web
To whom it may concern, On or about XX/XX/XXXX, I called the I called the XXXX phone number for XXXX XXXX XXXX for telephone sales. I spoke with XXXX XXXX in the XXXX Texas location. I purchased with my Discover Credit card ending in XXXX a Brand New XXXX XXXX mattress, to be delivered to my home. The cost for this item was {$1000.00} less a 20 % XXXX XXXX coupon which i applied + tax = {$860.00} The mattress included a full TEN YEAR WARRANTY, AS WELL AS for any reason a 120 day exchange. The mattress a few days later, was delivered to my home, ( 2nd floor bedroom ). It was not until later that night I realized it was the wrong mattress that was delivered. This mattress has the exact same appearance as in exact same size and look and markings and detail in its appearance, but it is not the same mattress at all in the comfort level and variety of the mattress. It was not the correct mattress to the one that was ordered. I called XXXX XXXX, the next day to explain this problem and they refused to assist me to correct the problem. I continued calling XXXX XXXX for several weeks to speak with higher level managers to continue with my various complaints and to fix this concern. Still they refused to assist and also informed me that they have terminated my account within there customer system. XXXX XXXX also had removed my 10 year warranty, and also my 120 day exchange and also terminated my account from there system, so I was told. It was further proven that within the manufactured mattress and inside the zip out lining to the mattress, that there was a XXXX XXXX, 2nd hand notice inside the mattress, that shows that this was in fact also a used mattress. Please ask XXXX XXXX to produce 1 shred of evidence of anything in writing at time of purchase that would even suggest that this item was purchased as anything other than brand new. They cant, because it doesn't exist. They are a lying thieving dishonest company, that will do anything to intentionally cheat customers. A dispute with Discover was made against this merchant for this charge. Discover has been advised of all this information and were provided everything they asked for in a timely manner. I have complied with everything Discover has asked of me and provided all information to Discover instantly whenever it has been requested of me. After several months working with and through Discover and their dispute specialists department, Discover had ultimately refused to assist in getting XXXX XXXX to deliver to me the correct mattress or exchange this Mattress. Discover never removed this balance from my credit card account. To this day I still have never even received one call or correspondence ever from XXXX XXXX to correct this issue. NOT EVEN ONE CALL OR ANY EMAIL CORRESPONDENCE EVER FROM ANYONE WITHIN XXXX XXXX!!. Essentially XXXX XXXX delivered to my home used and also incorrect garbage to my home and left, never to be heard from ever again. My home is not a dumping ground for XXXX XXXX XXXX. Not one person from XXXX XXXX has ever reached out to me to assist or correct this problem, and to date I still am waiting for my mattress to be delivered. We are now 14 months past original date of order and still I do not have my mattress that I ordered. Discover is claiming I MUST PAY FOR THIS ITEM, because i still have possession of the item. This responses from Discover, makes no sense to me at all. The nature of the dispute is that XXXX XXXX never came to my house to pick it up or deliver to my home the correct mattress. I can not force XXXX XXXX to assist me correctly and they have constantly refused to do so through no fault of my own. I tried very hard to work with the merchant and they did nothing!!!! The relationship with XXXX XXXX had gotten so bad, they would no longer even take my calls. They would leave me on hold for hours, and then hang up, and would simply never come to my home to do anything to help regarding this mattress. Simply put I can not force XXXX XXXX to assist me in this matter, and they have done absolutely nothing to assist. They simply took the money delivered a used mattress and also the wrong mattress to my home and ripped me off. Discover, obviously supports this behavior from the merchant and offered me zero consumer protection regarding this matter, I have consistently told Discover that i am not responsible for this charge. I ordered and purchased a brand new mattress, not a used one, and it is also the wrong mattress that I did not even order. My purchase was to also come with ten years of warranty and a 120 day exchange, both of which I never received. I would also like to include the fact that my delivered mattress has no law tags anywhere attached to it anywhere, which is completly illegal. This mattress can not even legally be sold without law tags attached. This has all been explained to Discover, still they refuse to assist me with this dispute, and are insisting that I am responsible for payment. I feel as if am being even more abused by Discover than XXXX XXXX in this regard. Also, I would like to point out that I have had a relationship with Discover with various credit cards since XXXX, and feel they too should also be exposed for how they have treated such a long time customer. They clearly did not handle this very well and have made a bad situation a heck of a lot worse. Discover has continued with my balance insisting that I pay for this charge, plus interest and late fees, on my Discover account I think it is disgusting behavior that i would be delivered a used mattress to my home and to intentionally try to be deceived by a mattress and bedding company to pass it off as a new iem, and then also to be removed of warranties, and refused to have the mattress exchanged. I find even more dastardly that Discover would not assist me with this dispute that I am so clearly correct. Discover still to this day is insisting i pay for this item, and has since been adding late fees and interest fees related to this charge. Who in this world would expect to be delivered a used mattress when you pay for new by calling their USA sales number direct. I have always my entire life had exceptional credit score in the high 700 's to 800 's. Due to this 1 charge only, and Discovers refusal to assist me with this charge, My credit has been negatively affected by almost 200 points negatively lowering my credit score. I feel i am being abused and extorted by Discover against my exceptional credit, in an attempt to force me to pay for an item that i was clearly cheated on, and I do not owe this balance. I do not want this mattress, i never did, It is simply the incorrect mattress that I do not want, and i certainly never ordered a used one. Additionally XXXX XXXX has also lied and invented a story claiming that i purchased a 2nd hand mattress which is not at all true. This mattress was purchased at there full advertised price at that time and sold with full warranty and exchange, and i was even handed at time of delivery a sealed plastic bag with a 10 year warranty card stating the warranty. First of all there toll free nationwide sales department only sells brand new mattresses so this is not even possible. Additionally if you were to check with the sales department to look up the history of this sale they would also explain to you that this mattress was to be a brand new item. i have done so, and apparently there departments don't communicate with each other, because the sales department has confirmed this was for a brand new item, not a used item. Nothing was ever emailed to me at any time that said or would even suggest otherwise. I have all original paperwork that confirms this this a new sale item. Knockdown mattresses are sold at outlet stores only as discount items and are clearly marked as such. Nothing like that exists here at all. It is simply not true. Discover has ignored all of these obvious facts. Discover should never had paid this merchant on this and should have done a charge back in my favor and then properly eliminated this charge from my balance. They have refused to do so, so i closed this account with Discover, and have refused to pay for this item. I know that Discover was wrong in this decision and my refusal to pay for this one charge will not change. I think its disgusting to be delivered a used bed in the first place, and then have to prove why i would refuse to pay, is even worse. Isn't that obvious. XXXX XXXX has also lied and claimed they would pick up the mattress. This is not true at all. They made zero attempt to communicate with me at anytime.. I am demanding that Discover remove this charge from my credit card balance with all associated interest and late payments charges to be removed, and have all negative impact to my ongoing impeccable credit history be removed because of this charge. My credit score should never have been negatively impacted in anyway. Discover simply will not help in this matter. I have communicated with the Discover corporate office and spoke several times with many representatives. Still they refuse to assist. I have spoke with the manager XXXX XXXX of Discover and still no assistance to remove this charge from my balance. They claim since i have the mattress that i must pay. I keep telling them I dont want the mattress, i never did. the only reason that i still have it, is because XXXX XXXX never came to pick it up. This is out of my control, and a circumstance that i have no control over.. I should not have my credit history ruined or lowered in any way or become adversly affected because XXXX XXXX is an unethical company and refuses to correct this problem. Furthermore, please look at and review the hundreds of similar in nature complaints nationwide against XXXX XXXX. There are whats seems to be hundreds of very nasty complaints against XXXX XXXX for all sorts of underhanded practices. XXXX XXXX is a defunct company that is also going bankrupt and closing almost of there store locations. They have terrible reviews everywhere and ripping consumers off seems to be a standard practice. Discover financial Services I believe to be equally at fault in this regard, as this was a quite simple dispute, and the very reason credit card company 's have a dispute process. I have never had a more substantial dispute in my life for anything more so than in this regard. This is blatant thievery by XXXX XXXX, and very unethical standards to uphold this charge against my account and credit history by Discover Financial. Additionally I have all records of everything that can be given and proven upon request, showing that I am correct in this instance. If Discover will not assist me in correcting this charge. I would like for it to be known that I will moving forward against them with legal proceedings until my credit is back to its superb standing and this charge is removed.
11/05/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NE
  • XXXXX
Web Older American
This formal complaint is registered with the Consumer Financial Protection Bureau ( CFPB ) as a precautionary measure regarding Discover Card account ending in XXXX. Discover Card was informed ( in CFPB Case No : XXXX and XXXX ) on XX/XX/XXXX that consumer ( XXXX XXXX XXXX ) is XXXX-years old, head-of-household, indigent and has no attachable property of value. Consumers sole income is Social Security income ONLY. Consumers family requested an investigative process once they became aware of dunning letters regarding Discover Card account ending in XXXX. The estate of consumer XXXX XXXX XXXX finds it imperative to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) when responding to a notification letter from the law firm of XXXX XXXX XXXX XXXX. The letter was dated XX/XX/XXXX. Consumers estate is responding within the 30-day timeline referenced in the letter. A Discover Card representative ( XXXX XXXX Senior Associate, Executive Office of Customer Advocacy ) placed consumers Discover Card account with the law firm of XXXX XXXX XXXX in retaliation to receiving consumers complaints through the CFPB. Mr. XXXX actions will be dealt with accordingly due to the fact Mr. XXXX attempted to lure consumer into a conflict of interest scenario by advising consumer to contact his office as well as the law firm of XXXX XXXX XXXX simultaneously. Mr. XXXX has no authority to advise consumer of anything. Consumers estate filed CFPB complaints against Discover Card ( Case Nos. : XXXX and XXXX ) on XX/XX/XXXX and made known that consumers bank account was compromised and that an investigative process was in effect. Consumers estate informed Discover Card that card charges were suspect and were not charges made by consumer. Consumers estate asked that Discover Card implement an investigative process and respond to the complaints through the CFPB portal. In the second half of this complaint Discover Card response ( dated XX/XX/XXXX ) has been added to this documentation. Consumer has chosen the Consumer Financial Protection Bureau ( CFPB ) to respond to a XXXX XXXX XXXX notification letter ( dated XX/XX/XXXX ) as a form of evidentiary documentation in lieu of litigation. It is a known fact that the law firm of XXXX XXXX XXXX XXXX. ; engage in predatory, abusive, harassing, deceptive and unfair debt collection practices regularly. Consumer 's estate does not want to see consumer suffer these tactics implemented by the law firm of XXXX XXXX XXXX. Please Note : XXXX XXXX vs. XXXX XXXX XXXX and XXXX XXXX XXXX , XXXX . ; whereby a federal magistrate Judge ruled in favor of the consumer and sanctioned the law firm for unlawful garnishment of a federally protected income account after receiving formal ( written ) notification of protected funds. Garnishment of Social Security funds from a bank account after collector is on notice that the bank account ONLY contains exempt funds can be an unfair debt collection violation with extensive ramifications. XXXX XXXX XXXX are on notice that consumers bank account contains exempt Social Security funds ( ONLY ) protected under the FDCPA. See 15 U.S.C. 1692f. Therefore, the estate of XXXX XXXX XXXX is prepared to do battle with the law firm of XXXX XXXX XXXX, XXXX. if they engage in old habits of ignoring federal ( and state ) laws regarding the Rights of Consumers under the protection of the Social Security Administration Act ( SSA ) ; Sec. 207. [ 42 U.S.C. 407 ] ( a )., the Nebraska Supreme Court ( Nebraska Revised Statute Section 25-1563.01 ) ; Nebraska Attorney Generals Office ( AG ) and the Fair Debt Collection Practices Act ( FDCPA ) .15 U.S.C. 1692 ( e ). The estate of consumer ( XXXX XXXX XXXX ) notified Discover Card ( through the CFPB XX/XX/XXXX ) that consumer is XXXX-years old, head-of-household and has no attachable property of value. Consumers sole income is Social Security income protected under the Social Security Administration Act ( SSA ) ; Sec. 207. [ 42 U.S.C. 407 ] ( a ). Consumer has a Social Security Award letter that is proof positive verification of consumers sole protected income. The estate repeats this information because the law firm of XXXX XXXX XXXX, XXXX. ; have been known to ignore the law and adopt their own agenda. Consumers estate made known to Discover Card that consumer is a victim of another individuals misuse of the Discover Card ending in XXXX. Consumer " disputes '' owing charges indicative of {$22000.00}. In XX/XX/XXXX, consumer XXXX XXXX XXXX was diagnosed with XXXX XXXX XXXX. Consumer 's XXXX status has progressively worsened in the last few years. Due to this fact, consumers credit cards were closed by consumers second eldest daughter ( XXXX ) in XX/XX/XXXX. Consumers youngest daughter ( XXXX XXXX ) has a substantial criminal history and is known to take advantage of consumer ( XXXX XXXX XXXX ) on a monetary, emotional and physical level daily. XXXX XXXX confiscated consumers Discover Card, re-opened it, and designated herself an Authorized User in XX/XX/XXXX. Consumer ( XXXX XXXX XXXX ) was XXXX XXXX of authorizing anyone as an authorized user of consumers Discover Card ( or any credit card ) in XX/XX/XXXX. Consumer has XXXX XXXX XXXX which has not improved since being diagnosed with XXXX XXXX XXXX in XX/XX/XXXX. Consumers eldest daughter ( XXXX ) is presently petitioning the courts for guardian/conservator to oversee consumers financial and physical well-being after being notified of the Discover Card account. Based on Discover Cards admission ( in a written response to consumers CFPB complaint dated XX/XX/XXXX ) it is Discover Cards responsibility to seek retribution from XXXX XXXX who knowingly compromised consumers XXXX and financial vulnerability and did so maliciously and intentionally. If Discover Card chooses to excuse XXXX XXXX from all liability then that is Discover Cards loss and not the responsibility of consumer. Consumers estate will pursue this matter diligently and has reached out to the XXXX XXXX law firm in XXXX XXXX XXXX Iowa who is familiar with the antics of XXXX XXXX XXXX law firm and equipped to litigate this matter efficiently. This is Discover Cards response to the CFPB complaint filed by consumers estate on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Discover card account ending in : XXXX Consumer Financial Protection Bureau Case Nos. : XXXX and XXXX Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau. To ensure your concerns are handled with priority, your letter has been referred to my attention within the Executive Office of Customer Advocacy at Discover. I regret to learn of your dissatisfaction with the correspondence you have received regarding the past due status of the above account. I have reviewed your account and would like to share the following. According to our records, XXXX XXXX was added as an Authorized User on your account on XX/XX/XXXX. As an Authorized User she had full buying privileges ; however she did not have a contractual liability and therefore she is not obligated for repayment of any balances created on the account. In an effort to notify you of the past due status of your account and offer repayment assistance, we provided you with notices regarding the status of your account. Your account charged off due to non-payment on XX/XX/XXXX. The balance on your account at time of charge off was {$22000.00}. Our records indicate, as of XX/XX/XXXX, we have taken the appropriate actions to prevent contact regarding the status of the above referenced account. Your account has been placed with XXXX XXXX XXXX, XXXX, XXXX. for further collection efforts on our behalf. Please contact XXXX XXXX XXXX, XXXX, XXXX. to discuss repayment arrangements on your account. They can be reached at ( XXXX ) XXXX. Thank you for allowing me to be of assistance, should you have any additional questions, please feel free to contact me at ( XXXX ) XXXX. I am typically available Monday-Friday, XXXX XXXX.-XXXX XXXX, ET. Sincerely, XXXX XXXX Senior Associate, Executive Office of Customer Advocacy This is an attempt to collect a debt ; any information obtained may be used for this purpose. CC : Consumer Financial Protection Bureau Furthermore, consumers sole income is Social Security income and protected under compilation of the Social Security Laws Section 207 [ 42 U.S.C. 407 ] ( a ) it states : the right of any person to any future payment under this title shall NOT be transferable or assignable, at law or in equity, and none of the monies paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or other legal process, or the operation of any bankruptcy or insolvency law., whether consumer gives permission or not consumer does not have the authority to authorize garnishment of a federally protected account. Under Nebraska Revised Statute Section 25-1563.01. ; the same Supreme Court ruling applies in this matter. Consumers protected income presents a genuine issue of material fact that if a summary judgment is granted ( after receipt of this CFPB notification ) it shall be construed as a deceptive, frivolous, abusive and harassing process. Consumer is impoverished and refuses to be a victim of unjust enrichment and extortive tactics routinely inflicted by the law firm of XXXX XXXX XXXX, XXXX. Consumer has no fiduciary or contractual obligation to a 'third party ' debt collector because there is no exchange of any benefit or detriment with ANY future collection agencies or collection law firms. There will be no enforceable agreement. No payment history, nor products, or services has been rendered to such entities because these elements do not exist ; there is a 'failure of consideration ' and no valid agreement, contract or fiduciary obligation under federal law that requires payment to such parties. Furthermore, a federal lawsuit will commence if consumers Social Security income is tampered with after receipt of this formal notice presented in the realms of the Consumer Financial Protection Bureau ( CFPB ). Consumer 's estate does not wish to enter into a dialog with the law firm of XXXX XXXX XXXX, XXXX. as they have heard horror stories regarding interaction with this dreadful law firm. Consumer 's estate wishes all communication with the law firm of XXXX XXXX XXXX remain within the confines of the CFPB portal. Consumer 's estate wishes to thank the Consumer Financial Protection Bureau ( CFPB ) for its mediation and documentation portal as well as all you do to protect the general public from unethical debt collectors. Thank you.
12/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11234
Web
Per 15 usc 1681m C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for no- tices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. I do not have to have any addresses on file or email. I DO NOT WANT ANY ADDRESS ON FILE THESE ADDRESSES ARE NON MAILABLE. XXXX is also allowing Discover Financial Services and XXXX Bank XXXX to view my credit report numerous times from XXXX. XXXX is in violation of my rights Per the Privacy Act of 1974 and 12 CFR 1022.41 and 15 USC 6802-6805 Opt-out 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. c ) Furnisher means an entity that furnishes information relating to consumers to XXXX or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in XXXX primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. ( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communica- tion to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under sub- section ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agen- cy with advance adequate written assurance that the record will be used solely as a statis- tical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ACCOUNTING OF CERTAIN DISCLOSURES. Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under sub- sections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to an- other agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under para- graph ( 1 ) of this subsection for at least XXXX years or the life of the record, whichever is longer, after the disclosure for which the ac- counting is made ; ( 3 ) except for disclosures made under sub- section ( b ) ( 7 ) of this section, make the ac- counting made under paragraph ( 1 ) of this sub- section available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been dis- closed to the person or agency if an account- ing of the disclosure was made. ( n ) MAILING LISTS.An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to re- quire the withholding of names and addresses otherwise permitted to be made public. 31 CFR 29.518 - Reporting delinquent debts to credit bureaus. e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. ( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from afinancial institution nonpublic personal information under this section shall not, directly or through anaffiliate of such receiving third party, disclose such information to any other person that is anonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 15 U.S. Code 6805 Enforcement ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries oraffiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) XXXX Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state :
08/18/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33166
Web
On XX/XX/XXXX I reached out to Discover Bank to initiate a dispute in reference to a charge made of {$1300.00} USD to my credit card for a company called XXXX XXXX XXXX XXXX. Discover Bank proceeded to follow the protocol of initiating a dispute in reference to the charge made. I was informed it would take 30 days or maybe more to determine the outcome. In the meantime I was given a temporary credit of {$1300.00} USD back to my credit card balance account, which put me in a positive balance since I had no balance due on my account. I proceeded on my end to scan/email over documentation I received from XXXX and XXXX to Discover Bank to provide proof of the situation occurring in pleading my stance to the initiation of the dispute process. During the days that are passing by as the process is trying to be resolved, I was confident that I was going to have the case be resolved in my favor. On XX/XX/XXXX I proceeded to donate to a XXXX XXXX to the victims of the XXXX wildfire that lost their lives and the disastrous impact that occurred. Since I have a positive balance of {$1300.00} on my credit card, I proceeded to donate it as a humanitarian assistance. On XX/XX/XXXX at XXXX am I received an email from Discover Bank in reference to the dispute resolution. I proceeded to log into my account and learned that Discover Bank had rescinded the temporary credit of {$1300.00} USD and ruled in favor of XXXX XXXX XXXX XXXX. I proceeded to call Discover Bank to request the dispute be re-opened and further elaborated with the representative of the billing department that issue and the nature of the matter of the business transaction was done. The representative informed me that they will request to re-open the dispute and if there is anymore documentation that I can provide to just send it. I am initiating this complaint as a documentational support for my dispute in the transaction of the amount of {$1300.00} USD to be sent to Discover Bank and to have CFPB involved with this matter to have a evaluation be assessed. On XX/XX/XXXX I reached out to XXXX XXXX and XXXX via the internet website XXXX XXXX XXXX XXXX in regards to the services they provide to learn further about their craft in resolving credit report inaccuracies. As a consumer I was under the impression that XXXX XXXX XXXX XXXX was a legal law firm business conducting credit repair due to the advertisement displaying on their website displaying a picture slogan of a XXXX which by definition is a small ceremonial mallet commonly made of hardwood, typically fashioned with a handle. It can be used to call for attention or to punctuate rulings and proclamations and is a symbol of the authority and right to act officially in the capacity of a presiding officer. Under the XXXX symbol it states in words saying quote Our attorney-managed, 4 round process is personalized for each client by an investigative research team all at a reasonable cost Upon submitting my name and contact number to be reached, I received a call from a female employee named XXXX and states that she is a credit analyst. During the conversation I have with XXXX, she proceeds to probe and ask personal questions regarding my goals, my job title, aspirations and etc., which to me did not seem relevant to the topic of the credit repair but to maintain a peaceful dialogue I did not proceed to be abruptly disdain about the personal questions. XXXX informs me that the nature of their business is attorney based and backed to dispute and win cases to fixing peoples credit report. XXXX proceeded to direct me to a website called XXXX XXXX XXXX and informed me to sign up and pay out of my pocket a fee so I can do a soft pull of my credit report from the three major credit bureaus. Once I completed her directions to pulling my soft credit report, XXXX informed me what is it that I was seeking to accomplish from viewing my report, and I explained to XXXX the following factors that I was observing on the soft credit report and how I would like to solve the discrepancies. XXXX proceeded to then inform me that there was an initial investment fee of {$1300.00} before she can proceed further in starting the case of the dispute process with the credit bureaus. I was further informed that to see the results and services fully provided it would take 6 months, and that there was an additional payment of approximately {$200.00} dollars for every month of the 6 months process. However, for the time being XXXX informed me that I just had to pay the initial investment fee for the time being. XXXX proceeded to then pace process by sending me the documents to my email address for me to sign in authorizing the payment to be made for the initial investment fee, as well as emailing her my Drivers License and Social Security Card. After all the documents were quickly signed via the internet and I sent my personal identifiable documents, I was informed by XXXX that any correspondent letters I receive from the credit bureaus to just email it to her and to avoid talking to the credit bureaus directly/ indirectly if I receive any calls or any method of contact from them. On XX/XX/XXXX I received a legal document from XXXX which states word for word quote We applaud your recent efforts to take charge of your credit. We want you to know were on your side, and were here to help support you on your path toward credit health. We recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. If youre working with a third party such as a credit repair company or credit clinic, they have to identify themselves in their communications to us, and provide proof that youve authorized them to communicate with us on your behalf. It's important to know that if you see something on your XXXX credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. If youve hired a credit repair company and they insist on payment up front, encourage you to misrepresent your credit information or instruct you not to contact a credit reporting agency directly, they are not acting lawfully. Learn more about credit repair and your rights at XXXX You can count on us as a resource as you work to achieve your credit health goals we want you to be able to get the financial opportunities you deserve. Sincerely, Your XXXX Support Team After reading the correspondence I received from XXXX on XX/XX/XXXX I immediately called XXXX to question the correspondent I received from one of the credit bureaus. XXXX informed me that the letter XXXX wrote is a tactic used to prevent individuals from obtaining credit repair and not to trust what XXXX wrote. I proceeded to ask XXXX how would she know that the credit bureaus concoct such a response to prevent people from resolving their credit discrepancies. XXXX proceeded to inform me to just send over the letter they wrote to her and she would take care of it. I asked XXXX if she was an attorney to interpret and represent clients in cases of the nature with credit repair disputes and XXXX just hung up. I immediately proceeded to contact my bank in connection to the credit card I used to authorize the funds to be paid for the initial investment fee, and initiated a dispute to be filed in reference to fraud. This dispute was initiated within the 30-business day / calendar day period, which I did not receive any services from XXXX XXXX XXXX XXXX XXXX XXXX/ amending the discrepancies due to their evasive business operation being conducted and unlawful charge of fees that I was charged. Further to elaborate, there was no disclosure presented to me from XXXX by phone or email regarding my consumer rights in reference to Federal consumer laws, no transparency in the documents being shown to me of what they are writing to the credit bureaus, and misrepresentation of advertisement with connection of legal jargon and symbols confusing the public consumer. Eventually I received another legal letter from XXXX stating the same word usage as XXXX, and emailed it over to my bank for further reference into the matter. As of today XX/XX/XXXX, XXXX XXXX XXXX XXXX are still with the funds and have not released the funds to my bank. The reason I pursued in the first place to inquire about resolving my credit report discrepancies and inaccuracies was due to Discover Bank reporting me late on XXXX payment for the month of XX/XX/XXXX during the XXXX Pandemic. I have never been late on any of my payments being due and never have been late with other banks I do business. This has been a technical mistake, however, this one late payment that was reported to the three credit bureaus has been a delinquent marking on my credit report and Discover Bank is standing their position that I was late. What I find surprisingly incoherent, is how a financial banking institution is going to demand and expect payments to be made in the year XXXX when there is a humanitarian catastrophic disease decimating human lives. There is no sense of understanding with common coherence to reality and financial expectations to be made with the disease of COVID-19 causing havoc and turmoil in society. I did my part to reach out to all my banks, especially Discover Bank in the year of XXXX to defer payments which no financial institution objected to because of COVID-19. Yet as a good reliable customer I have been, I still went out of my way to pay Discover Bank as well as my other banks the minimum payment due. No other banks I have business with ever reported me being late. I have always been reliable, professional and on-time. So it is very disrespectful to report me as late to the credit bureaus during XXXXOVID-19 when I have never been late on any of my payments due. And to this day, I have still never missed a payment with any of my banks I report to. Unfortunately and unjustifiably I have a derogatory / delinquent report on my credit report of the missed payment for the month of XX/XX/XXXX reported by Discover Bank which has caused damages by limiting my financial opportunities, such as being declined for certain offers and the damage of negative reliability banks perceive me as when reviewing my credit report.
10/07/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 11003
Web
While on vacation at the XXXX XXXX in XXXX XXXX between XX/XX/XXXX, we entered into a XX/XX/XXXX membership contract that was signed on XX/XX/XXXX ( See specimen No.1 ). This contract was signed under much duress from the XXXX XXXX timeshare sales team. Even though we said no several times during the presentation, they continued to pursue us to do the contract. They did not allow us to leave the presentation room to think about it, and we were kept for over 6 hours which was an extraneous period of time that leads to coercion. Upon returning to the USA on XX/XX/XXXX, we then had time to read the contract and we realized that we had several concerns. On XX/XX/XXXX, we tried calling the merchant representative at XXXX, XXXX and XXXX to discuss cancellation and our concerns. These were the numbers listed on documents we received from the merchant and in the contract, when dialed the numbers gave disconnected voice messages. Following, on XX/XX/XXXX, we sent an email to XXXXXXXXXXXX and we received a failed delivery on XX/XX/XXXX, I re-send the email to XXXXXXXXXXXX and XXXXXXXXXXXX stating that I would like to cancel my timeshare contract. See attached the email that was sent ( See Specimen No 2 ). Due to an illness, we were not able to get to the post office until XX/XX/XXXX to mail the information to the vendor via certified mail. In the package, we included a letter stating that I have been trying to contact the merchant/vendor since XX/XX/XXXX and the numbers provided was giving us disconnected messages ( See Specimen No. 3 ). We further stated we were unable to find a copy of the cancellation form at the stated website XXXX that was referred to in the document provided. During the week of XX/XX/XXXX, we received a call from the vendor agent XXXX in XXXX XXXX who enquire why we wanted to cancel the contract. We discussed our concerns with the agent XXXX and reiterated that we would like to cancel the contract. He informed us that he will process with the cancellation and our monies will be refunded to us. Simultaneously, we filed two dispute charges one with XXXX XXXX and the other with Discover on XX/XX/XXXX. Within one month XXXX XXXX was able to close the dispute and returned the amount of money paid to the merchant from the XXXX XXXX card back to us. However, Discover card after several dispute actions continued to rule in the merchant favor despite of us providing information from the merchant representatives and documentation showing that merchant granted a cancellation. Discover kept reporting that the merchant was saying that they were not aware of us making a cancellation, ( See specimen No.3 ). Discover kept stating that the merchant transaction appears to be valid and provide a copy of the contact and reference Clause 10 of the contract and that the merchant said that they have not receive the Discover cardholders complaint or request to the cancel the contract. Discover was provided with information in the form of an email the merchant already canceled dated XX/XX/XXXXfrom XXXX XXXX showing the account ( see Specimen No.4 ). We continued to have a constant dialogue with the merchant XXXX XXXX representatives and Discover sinceXX/XX/XXXX to XX/XX/XXXX. We are constantly pushed around by both entities and promised a refund of the {$8200.00}. Finally, the merchant provided documentation inXX/XX/XXXX to show that because of the dispute process XXXX XXXX returned the money {$8200.00} to Discover card and that Discover did not transfer the {$8200.00} back to them after the dispute was completed, hence XXXX XXXX can not refund the {$8200.00} to us as promised. In the meantime, Discover is claiming that the {$8200.00} was sent to the merchant so they can not returned the money to the card. Below is a chronology by various dates of my contact with Discover and XXXX XXXX on this matter. OnXX/XX/XXXX, Called XXXX XXXX at XXXX and spoke XXXX who told me that the contract with reference number XXXX was cancelled and I will get a refund. On XX/XX/XXXX, Called XXXX XXXX again this time I spoke with XXXX XXXX XXXX who told me that my contact and account was cancelled and I requested this information via email. See Specimen No 4 that was sent via email ( XXXX ) See attached email Specimem No #. 4. On XX/XX/XXXX, Contacted discover and was told that my dispute was ruled in the merchant favor. On XX/XX/XXXX, Reopened the dispute with Discover and submitted information I received from the XXXX XXXX that my account # XXXX with contract # XXXX was cancelled and that according to XXXX a notification can be provided by email and certified mail. See Specimen No #. 5. On XX/XX/XXXX, Requested based on the advice of the Discover representative to open an arbitration case on the dispute. During the month XX/XX/XXXX, Contacted XXXX XXXX and spoke with XXXX regarding my refund. She indicated that she would contact XXXX and get back to me. After several follow up calls to XXXX from XXXX XXXX, she responded on XX/XX/XXXX. On XX/XX/XXXX, Received a voice mail message from XXXX from XXXX XXXX stating that in order to refund my money they need a letter from my banker ( Discover card ) about the dispute status in order for them to refund the money. The requested information was provided on the same date via email ( See Specimen No. # 6 ). XX/XX/XXXX, upon calling Discover on the status of the case they open and closed the investigation in XX/XX/XXXXand stated that are required to report my account of the Consumer Reporting Agency as a disputed account. See Specimen No. # 7 On XX/XX/XXXX, Contacted XXXX XXXX spoke with XXXX and forward the information sent to XXXX. He promised to work on my refund. On XX/XX/XXXX, Contacted XXXX XXXX and spoke with XXXX who was with the billing department. He stated that he sent an email to the person working on the refund to request an update on it. On XX/XX/XXXX, Contacted XXXX XXXX and spoke with XXXX in the Merchant services section who indicated that my refund was in progress. On XX/XX/XXXX, Contacted XXXX XXXX and spoke with XXXX who put me through to XXXX XXXX who reported that he would check with the sales office concerning the transaction. On XX/XX/XXXX, Contacted XXXX XXXX and spoke with XXXX who was informed that a representative XXXX from Discover was on the line with me. She informed both myself and XXXX from Discover that a refund will be issued between two to three weeks. This was noted in both my Discover and XXXX XXXX account. XXXX promised to follow up. On XX/XX/XXXX, Called Discover and spoke with XXXX referenced the notes in the account of the promise to refund by XXXX XXXX and also promise to follow up. On XX/XX/XXXX, Contacted XXXX XXXX and spoke with XXXX XXXX. I expressed my disgust and the unfairness, after waiting for a few minutes he indicated that XXXX XXXX has no records of receiving the money from Discover card so they accounting department can not refund the money. On XX/XX/XXXX, Called Discover and spoke with XXXX. He was informed of what XXXX XXXX stated and indicated that XXXX XXXX can contact Discover merchant service who can assist them with the records and that the money was sent to the XXXX XXXX merchant on XX/XX/XXXX. On XX/XX/XXXX, Contacted XXXX XXXX and spoke with XXXX XXXX, he reiterated that the money is no longer in XXXX XXXX account and sent via email documentation to show the money was returned to Discover ( See Specimen No. # 8 ). On XX/XX/XXXX, A final call was made to XXXX XXXX to speak with XXXX who said that XXXX XXXX was unable to complete the refund due to the dispute and that the money is with the Discover and they should refund the money to me. This situation has caused us a serious financial hardship and I surely have had regret after having entered into a contract with XXXX XXXX after been overly influenced by the merchant seller who used very unfair and deceptive practices, lies etc. for example they provided a tour of the resort XXXX XXXX XXXX tell us that our exchange potential would be a similar five star hotel upon review the exchange potential of the hotels, they were not the same. They promised that we would always get this sort of room or Better. There were several discrepancies and misrepresentations made by XXXX XXXX merchant on the contract. For example, Page 1 of 5 of the contract states that XXXX and I are married. We never stated or implied that we were married and we are NOT married. The only wording on page 1 of 5 of the contract that is written in Spanish is marital status. Why is the marital status written in spanish casado. We speak english. This is misleading. False information on a legal contract is illegal and the practice of giving misinformation in a foreign language is deceptive. Page 4/5 of the contract under item # 17 it states that " In the event of deviation in language between the wording in foreign language and that in Spanish language, the Spanish language will prevail. '' Thus, the Spanish language of marital status " CASADO '' prevails on the contract and we are NOT married, thus, making this contract null and void. Page 5/5 of the contract is missing the representative/seller printed name. Also, the age is listed as XXXX years neither of us was that age on the date of the purchase, Thus, this makes the contract null and void as neither purchaser was XXXX years old at the time of signing on XX/XX/XXXX. Further, we were never told during the presentation of the cancellation period so we were never afforded the right to fully understand the right to cancel.We were told by the XXXX XXXX sales staff that as members, we would have hotel transportation to and from the airport. This was completely untrue as no transportation was provided when we left XXXX XXXX hotel. In closing, I feel that we have been exploited, push around and told numerous lies by both XXXX XXXX sales staff and Discover Card representatives. Both entities are benefiting from this since I do not know who has the money to give it back to US. In addition, Discover card is charging over {$90.00} interest monthly. This is grossly unfair to a customer who has gotten no service for this money. I would be grateful if you can investigate this and have the {$8200.00} returned to us. We can be reached at XXXX or XXXX. Thanks in anticipation XXXX XXXX and XXXX XXXX.
07/24/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AZ
  • 85015
Web
Account Number : XXXX I have reasonable cause to believe that I have been extorted! Discover Financial Services is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. I have reason to believe this was done to coerce me to make payments of an alleged debt without proof of claim. I am aware that nothing under the Fair Credit Reporting Act REQUIRES a financial institution to furnish negative information to a consumer reporting agency. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. Discover Financial Services and the Consumer Reporting Agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation. Discover Financial Services along with the help of the consumer reporting agencies are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for nonrepayment thereof. This is a violation of 18 U.S. Code 1028A and 18 U.S. Code 894 and everyone involved shall be held criminally liable for engaging in racketeering activity. I would like XXXX XXXX XXXX XXXX XXXX XXXX of Discover Financial Services to provide me with any documentary material certifying that I gave my lawful consent for my nonpublic personal information to be disclosed to nonaffiliated third parties. If this documentary material can not be provided, this has been fraudulently furnished information with forethought and malice as a means of bringing harm to me and my financial reputation. In a letter ( see Exhibit A ) from Discover Financial Services dated XX/XX/XXXX, XXXX XXXX stated, We are in receipt of your letter dated XX/XX/XXXX. As a result, we have decided to permanently close your Discover Card account ending in XXXX. As the true beneficiary, this has been done without my lawful consent. I would like the names of everyone involved in this conspiracy against my rights. In response to your request for validation of your debt with us, we found the account and balance to be valid. XXXX XXXX has certified thorough his finding that the debt is valid. I would like to bring a few matters to your attention as you are now implicated in this matter. I am aware that the XXXX XXXX XXXX is the only person in the company that has actual knowledge and can certify the books of accounts. Enclosed please find : Copy of the statement ( s ). I am aware that copies of statements are not validation of debt. Also, in a letter ( see Exhibit B ) from Discover Financial Services dated XX/XX/XXXX, XXXX XXXX stated, This letter is in response to your request for validation of your debt with us. We found the account and balance to be valid. XXXX XXXX has certified thorough his finding once again the debt is valid. According to our records, this account was opened in your name as an individual account XX/XX/XXXX. I will need this documentary evidence to insure that Discover Financial Services isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of false and deceptive forms is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. I am aware that the XXXX XXXX XXXX is the only person in the company that has actual knowledge and can certify the books of accounts. Without clarifying of this account, the allegation that I was loaned anything of value is hearsay. Upon clarification of this account, this would either confirm or denounce any notion that I was swindled with a fraud Agreement. If upon this clarification of the account it shows that my social security number funded this account and I was never actually loaned anything of value, this would be a violation of 18 U.S. Code 1341 and proof the XXXX and XXXX of Discover Financial Services have knowingly and willingly engaged in racketeering activity with the consumer reporting agencies they do business. The information you provided was verified with a credit reporting agency based on the request to open the account. I would like to take a look at this agreement that requires a financial institution to disclose my nonpublic personal information to nonaffiliated third parties without my lawful consent. Enclosed are copies of the last 12 months of billing statements for the account. I am aware that billing statements are not validation of debt. The terms of your account and your agreement to pay are outlined in the Cardmember Agreement. I am aware that Discover Financial Services did not fully disclose the nonpublic personal information in their Agreement. Additionally, in a letter ( see Exhibit C ) from Discover Financial Services dated XX/XX/XXXX, the Credit Bureau XXXX stated, We have conducted an investigation and below are our findings. The Credit Bureau XXXX has certified through their investigation that the debt is valid. I would like to bring a few matters to your attention too as they are now also implicated in this matter. Previous charges and payments are explained in detail by the billing statements sent separately. I am aware that billing statements are not validation of debt. You provided us with your name, address and identifying information. I am aware that personal information is not validation of debt. As a result of the above, the account and balance are considered valid. I will need this documentary evidence to insure that Discover Financial Services isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of false and deceptive forms is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. I am aware that the XXXX XXXX XXXX is the only person in the company that has actual knowledge and can certify the books of accounts. Furthermore, Discover Financial Services has taken adverse action against me ( see Exhibit D ), with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 FCR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. XXXX makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the XXXX XXXX XXXX, has been violated. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Discover Financial Services before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Discover Financial Services to furnish any late payments to my consumer report. It is my belief that due to Discover Financial Services business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship Discover Financial Services has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is my last and final attempt to address this matter before escalating this matter to a United States XXXX XXXX and insuring that everyone involved in this conspiracy is brought up on charges. Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved Cc : Corporations Implicated : - Discover Financial Services - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX of Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX of Discover Financial Services XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Discover Financial Services XXXX XXXX XXXX XXXX Discover Financial Services XXXX XXXX XXXX XXXX Discover Financial Services XXXX and XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/13/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • VA
  • 229XX
Web
To Whom It May Concern/Consumer Finance Protection Bureau : I am writing to file a formal complaint against Discover Card and their credit card dispute process. As a consumer and Discover credit cardholder of more than 25 years, I do not believe that Discover Card has represented my best interests fairly or transparently in the dispute process and, their actions and inactions in this case amount to gross negligence in addressing my concerns. I am asserting that Discover Card has failed to uphold their cardholder agreement for protection against fraud and receipt of fraudulent goods from a merchant and, therefore, I have not been protected under existing federal consumer financial laws. As you know, the Fair Credit Billing Act of XXXX entitles me to dispute charges for failure to receive the goods that I purchased. In this case, I failed to receive the goods that I purchased, and I have supplied the Discover Card dispute team with necessary documents to substantiate and solidify the facts of my dispute case while the merchant failed to supply documentation to support the authenticity of the goods provided, and the merchant, in fact, has never denied my claim that the product is not authentic. In summary, my dispute to Discover Card was made on XX/XX/XXXX after my return from a vacation in XXXX, XXXX where I made a purchase on XX/XX/XXXX using my Discover Card. My dispute was in reference to receiving fraudulent merchandise and the goods received were not what I purchased. I purchased several jewelry items from a merchant, XXXX XXXX, who identified the items as precious stone jewelry to include a pendant and earrings with genuine sapphires and a jewelry set including a pendant, earrings, ring, and bracelet with natural Paraiba tourmaline stones. I asked for documentation from the salesman of the authenticity of the stones purchased for which he provided a handwritten documentation of the stones and approximate carat weight on a merchant receipt. For these stones set in sterling silver, I was charged a total of {$4900.00} USD. Upon my return home, I paid for a XXXX-certified gemologist at a local jeweler to evaluate and identify the jewelry and stones. I was informed by the gemologist that the stones were cubic zirconia ( colored and colorless ) set in sterling silver and was provided with documentation of the XXXX-certified gemologist assessment of the jewelry. This supports my claim of fraud and gross misrepresentation of the product by the merchant and that I did not receive the goods that I purchased as I did not receive sapphire or Paraiba tourmaline stones as represented by the merchant at the time of purchase. I received fraudulent and unsatisfactory goods at a price commensurate with the price of genuine, authentic goods. Additional facts in the case presented to Discover Card during the dispute process included the fact that I discovered that the merchant was not XXXX XXXX, as listed on the jewelry item tags which is the name that we saw during evaluation and purchase of the jewelry. For reference, XXXX XXXX was identified as a store supported and recommended by XXXX XXXX XXXX in their shopping guide. I learned that the merchants name was XXXX XXXX which was not included in the XXXX shopping guide as a reputable dealer. This represented another deliberate attempt by this merchant to fraudulently represent their store as supported by XXXXXXXX XXXX XXXX and amounts to an act of deception by the merchant. In fact, the salesman in the store informed us that XXXX had purchased many of the stores at port including the one where we made the purchase which we now know is not true. During the dispute process, the only response from the merchant has been that no returns were allowed for buyers remorse or size change and that I made the purchase with the card. The merchant has provided no evidence that the goods are authentic and has not denied my claim that the products are fraudulent. I notified Discover Card that this is not a case of buyers remorse or a size issue. This is a case of receiving fraudulent goods that were grossly misrepresented at the time of purchase, thus I did not receive the goods purchased and therefore, I have asked for Discover Card to fulfill their obligation to provide protection under my cardholder agreement against such occurrences. Despite being reassured by Discover Card agents along the process that I had provided all that was needed to support this with the official jewelers assessment and that the merchant would be required to prove that the items were authentic and as represented at purchase, the only response provided by the merchant through the entire dispute process was that no returns were allowed for buyers remorse or size change. After receiving this response for the second time, I contacted Discover Card again and this time I asked to speak with a supervisor. When the supervisor returned my call, she informed me that Discover card had initially submitted my dispute incorrectly, so she corrected it as a fraud claim but there was no additional internal review by Discover Card. She stated that the process would go to arbitration and that the documents provided would be all that was allowed as the merchant would not be allowed to submit anything additional to the case. This process started around midXXXX XXXX ( my call with the supervisor was on XX/XX/XXXX ). I was just informed on XX/XX/XXXX that Discover Card closed the dispute case and found the charges to be valid. I called Discover card to file an appeal on XX/XX/XXXX at XXXX. I asked to speak to a supervisor who called me around XXXX on XX/XX/XXXX. I spoke with XXXX in the Ohio office of Discover Card and filed a formal verbal appeal to the dispute decision. She informed me that she had no other avenues other than filing a formal complaint to the Discover Card corporate office regarding my concerns. She searched for a means for me to file a consumer complaint as a cardholder, but was unable to locate any avenue for me to file a formal complaint with Discover Card. She also informed me that she was not allowed to tell me if or when I would hear back about the complaint from someone at their corporate office. I have also uploaded a formal appeal letter to my Discover Card dispute referencing my concerns. In addition, the charge has been reapplied to my account and will be due in the next billing cycle. She was unable to reverse the charge to my account during my appeal, therefore, I would appreciate an expedited review of my case. I am reaching out to you for assistance in this matter as, in my opinion, Discover Card has failed to uphold their cardholder agreement for protection against fraud as I have not received the goods that I purchased due to gross misrepresentation and merchandise fraud by the merchant. In addition, the Discover Card dispute process is inherently flawed and ineffective. I have provided necessary documentation, including a paid XXXX-certified gemologist assessment of the product, to support my claims. The merchant has provided no documentation that supports the authenticity of the product and they have also not denied my claim that the product is fake. The dispute process also lacks transparency and as a consumer, it appears that Discover Card team members lacked due diligence in investigating and resolving my concerns. Each stage of the dispute process returned the same response as if the dispute investigators were simply checking off boxes to move the process along to the next stage without any real investigation into the dispute and any attention to addressing my concerns. Based on Discover Cards response to my concerns, it appears that they will accept any response from a merchant in order to avoid a chargeback to the merchant. In this case, they have blindly accepted the merchants statement regardless of the fact that the merchants response failed to address the dispute claim in any manner. In this dispute case, my claim was for fraudulent merchandise received which has nothing to do with buyers remorse or issues with size. As I have noted, at each stage, I spoke to an agent to address my concerns regarding the dispute process and each time was reassured that I had provided all necessary documentation. If the initial dispute was filed incorrectly, as stated by the supervisor, there should have been additional internal review by the Discover dispute team prior to pushing this to arbitration given their own internal error. It is also my understanding that as a creditor, Discover Card, is obligated to resolve disputes within two billing cycles ( but not more than 90 days ) after getting the official dispute notification. I filed this dispute with Discover Card on XX/XX/XXXX and did not receive notification of their decision until XX/XX/XXXX which was a total of 187 days. I should have had resolution to my dispute no later than XX/XX/XXXX per these guidelines/standards. I am frankly very disappointed in Discover Card as this has been my primary credit card for more than 25 years and I have simply requested the buyer protection support that they claim they provide. I hope you will be able to help direct me to the next steps in proceeding with this complaint against Discover Card as expeditiously as possible given their failure to place the charge on hold pending further review. In addition, I hope you will be able to recommend any avenues to help me as the consumer to obtain a refund for receiving fraudulent merchandise from this merchant. Thank you for your attention to this matter. Best regards, Uploaded Attachments include : Receipt of purchase Written documentation from the merchant on the merchants receipt paper of the merchandise purchased detailing a description of the jewelry and precious stones as represented at the time of purchase Jewelry assessment documentation from XXXX-certified jeweler Jewelry tags removed from the items listing the store as XXXX XXXX instead of XXXX XXXX XXXXXXXX XXXX shoppers guide of approved/reputable merchants XXXX XXXX response letter to Discover Card
01/23/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MI
  • 48101
Web
RE: Dispute with Discover Card over billing for merchandise not received In XX/XX/2018, I received email that XXXX/XXXX stores were having an online bankruptcy sale. I placed a two large orders on my Discover Card on XX/XX/2018 and XX/XX/2018, and awaited the arrival of the merchandise. However, I was notified that the merchandise was damaged in transit and sent back directly to the merchant. After failing to receive proper credit for these charges, on XX/XX/2018, I notified Discover Card that I wanted to dispute the charges and have them reversed, as I did not receive the merchandise. (I also sent copies this request to XXXX, but did not receive nor expect a response due to the bankruptcy.) Discover did not reverse the charges. In XXXX-XX/XX/2018, Discover sent several letters stating that the charges appeared to be valid and they supplied me with copies of XXXX/XXXX delivery receipts showing the merchandise was shipped to me. However, XXXX/XXXX supplied incomplete information to Discover. In XX/XX/2018, I mailed Discover the complete information that demonstrates that the merchandise was sent back directly to the merchant as being damaged in transit. I did not receive the merchandise. Although XXXX supplied Discover with information showing the merchandise was shipped to me, the information was incomplete.Again, on XX/XX/2018, I once again faxed the delivery receipts to Discover showing that the merchandise was shipped directly back to XXXX as Damaged. Discover once again ignored this information, stating that charges appeared valid, and has continued to charge me for merchandise not received. On XX/XX/2018, after receiving further form letter responses from Discover, I again faxed them information showing that the merchandise was sent back directly to the merchant. I also asked informed Discover that I am prepared to go to court over this matter. On XX/XX/2018, I faxed the Discover legal department, asking for an explanation as to why I am responsible to pay for merchandise that was not received. I also asked for a copy of my contract with the credit card (Discover Card) and I asked them to supply me with the proper name and address for filing a lawsuit. I have not received a reply to this last fax. I am mystified as to why Discover continues to inform me, through form letters, that I am responsible to pay for merchandise that was not received by me. It has not been explained to my satisfaction, rather Discover continues to send to me form letters stating that the charge is valid. I suspect that no one at Discover has bothered to examine the documentation I have religiously sent and re-sent to Discover. The transactions are complicated. Rather than billing Discover as two large orders, XXXX/XXXX has billed my credit card per item. This might also hinder proper credit. At the end of this narrative, I am attaching a list of the charges, temporary reversals, and rebilling of reversals from XXXX/XXXX. The total that Discover continues to bill me, and now charge interest on, is $XXXX. I also sent a demand letter asking Discovers legal department to contact me about either reversing the charges or sending me the appropriate address and information for filing a small claims court case. I have not received any reply. XXXX/XXXX filed for Chapter XXXX bankruptcy in XX/XX/2018. Newspapers reported in XX/XX/2018 that XXXX XXXX took over XXXX and its subsidiary brands after purchasing the defunct department store chains intellectual property. The XXXX Stores Inc., which had dual headquarters in XXXX and XXXX, Pennsylvania, closed at the end of XX/XX/2018 after liquidating its merchandise. A consumer advocate suggested that I contact the Consumer Financial Protection Bureau about this matter. I am hoping that CFPB can intervene in this matter so that I can avoid filing a lawsuit. Trans. date Post date Description Amount XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXXXXXREPOST OF DISPUTED TRANSACTION XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT XXXX XX/XX/18 XX/XX/18 BXXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXREPOST OF DISPUTED TRANSACTION XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PAREVERSAL OF TEMPORARY CREDIT XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXXAN ADJUSTMENT TO YOUR ACCOUNT -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION -XXXX XX/XX/18 XX/XX/18 XXXX XXXX XXXX XXXX XXXX PATEMPORARY CREDIT PENDING INVESTIGATION -XXXX
09/26/2023 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • CA
  • 94706
Web
1. I have reached a debt settlement with XXXX XXXX XXXXXXXX XXXX., a law firm engaged in debt collection, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX, who represent DISCOVER BANK. 2. I paid a first payment of {$25000.00} on Thursday, XXXX XX/XX/XXXX over the telephone. XXXX XXXX, the debt collector, assured me that I would be released of the debt if I made payments of {$1000.00} each for XXXX, XXXX, XXXX and XXXX and a final payment of {$16000.00} in XXXX. I agreed to the payment despite deep financial distress and in a state of extremely high duress. 3. Since around XXXX, I have been in extreme financial distress. COVID-19 hurt my entrepreneurial endeavors greatly and I suffered multiple business failures. For the last few years, I have no fixed abode of stay, and have lived with friends and family. As of now, I have no income and no assets. 4. Despite my dire situation, I have negotiated in good faith and settled with XXXX XXXX XXXXXXXX XXXX, a law firm engaged in debt collection acting under the authority of DISCOVER BANK, who were claiming damages of {$64000.00}. 5. I called and spoke to XXXX XXXX and XXXX XXXX, authorized representatives of XXXX XXXX XXXX, XXXX acting under the authority of DISCOVER BANK, and explained my situation. XXXX XXXX continued the negotiation and we agreed upon an amount and payment schedule to settle the alleged debt. He told me clearly and repeatedly that the alleged debt would be settled in full if I made all the payments as agreed upon below : Payment XXXX XX/XX/XXXX : $ XXXX Payment XXXX XX/XX/XXXX : $ XXXX Payment XXXX XX/XX/XXXX : $ XXXX Payment XXXX XX/XX/XXXX : $ XXXX Payment XXXX XX/XX/XXXX : $ XXXX Payment XXXX XX/XX/XXXX : $ XXXX Total Payment : $ XXXX XXXX. In accordance with the XXXX XXXX Settlement Agreement with XXXX XXXX, I dealt with him and XXXX XXXX XXXX, XXXX, acting under the authority of DISCOVER BANK, in good faith and clean conscience. XXXX XXXX told me the XXXX XXXX Settlement Agreement would be void and his lawyers would file for a default judgment unless I made the first payment by XXXX XXXX. I made the payment after repeatedly seeking reassurance on the telephone, which is on a recorded line, that I would be fully discharged of my alleged debt. 7. XXXX XXXX assured me that payment as per the plan we agreed upon would lead to a satisfactory resolution of the alleged debt. After the XX/XX/XXXX payment, I would not have to make any further payment or face any further liability for the alleged debt and would be completely free of all liability. This conversation, and indeed all earlier and later conversations, are recorded. 8. Attorneys at XXXX XXXX XXXX, XXXX. acting under the authority of DISCOVER BANK sent a very different agreement to the XXXX XXXX Settlement Agreement I reached with XXXX XXXX. The Stipulation for Entry of Judgment Pending Performance Pursuant to CCP section 664.6. ( the Stipulation ) breaches the terms of the XXXX XXXX XXXX Agreement with XXXX XXXX in two material ways : 8.1. In Paragraph 1, the Stipulation says that the Defendant must submit proof of payment for the first appearance filing fee to counsel for Plaintiff within five ( 5 ) days. This Stipulation is strictly contingent on Defendants payment of his/her first appearance fee and on the filing of this Stipulation with the Court. 8.2. In Paragraph 8, the Stipulation says the Plaintiff shall then file a request for dismissal but deliberately and sneakily fails to state that this dismissal is with prejudice. This implies that DISCOVER BANK could come after me even after I fulfill the XXXX XXXX Settlement Agreement to settle the debt. In fact, XXXX XXXX, in no uncertain terms, shockingly confirmed in an email that, even upon full payment in accordance with the terms of the XXXX XXXX XXXX XXXX, the matter would not be dismissed with prejudice. 9. I sought advice about the Stipulation from an experienced attorney on a pro bono basis. He suggested changes to the Stipulation pertaining to the two points above. These changes would have aligned the Stipulation with the XXXX XXXX Settlement Agreement XXXX XXXX made with me after repeated assurances of the full discharge of debt that I relied and acted upon in good faith, to my detriment. In an email dated XXXX XXXX, XXXX XXXX, the Associate Attorney working for Attorney XXXX XXXX XXXX, summarily rejected both suggestions and threatened to file default if I did not send the signed Stipulation by XX/XX/XXXX. Under protest, I have sent the signed Stipulation with a note at the bottom stating the following : I am signing this Stipulation with the understanding that upon full payment of the settlement amount in accordance with the terms of this Stipulation, I shall be completely and unconditionally released from any and all obligations under the Student Loan Agreement that is the subject of the suit herein. 10. This threat completely contradicts the XXXX XXXX XXXX XXXX XXXX XXXX and I reached! Never did XXXX XXXX mention that the XXXX XXXX XXXX XXXX was contingent on signing this Stipulation. He put a tremendous amount of pressure on me to make the payment by XX/XX/XXXX, which I did in good faith on the strength of his repeated assurances despite my extremely precarious financial situation. 11. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. acting under the authority of DISCOVER BANK are changing the terms of the deal I struck with XXXX XXXX ex post facto. 12. Specifically, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. acting under the authority of DISCOVER BANK are engaging in intimidation. They wanted me to sign a Stipulation at legal gunpoint by threatening to tear up the XXXX XXXX XXXX XXXX XXXX XXXX concluded with me. 13. XXXX XXXX told me that he has done these negotiations for years with thousands of debtors. XXXX XXXX, XXXX XXXX and other debt collectors at XXXX XXXX XXXX, XXXX. acting under the authority of DISCOVER BANK are clearly skilled and seasoned operatives. They know how to exert pressure and exercise leverage. Yet they do not operate with clean hands. When extracting cash from debtors in duress, they do not mention that the agreement they offer on the telephone is contingent on signing another agreement at legal gunpoint! In the scheme, XXXX XXXX, XXXX XXXX and other debt collectors at XXXX XXXX XXXX, XXXX. act as good cops, baiting debtors to make payments according to aggressive deadlines. 14. Advocates for XXXX XXXX XXXXXXXX XXXX specifically XXXX XXXX and his immediate boss XXXX XXXX XXXX in my case, are the bad cops. They are obdurate, intransigent, and threatening. They take the approach that debtors must sign the agreement they send ex post facto, even after a large initial payment, and even if that contradicts an earlier agreement. Advocates like XXXX XXXX and XXXX XXXX XXXX ensure that XXXX XXXX XXXX, XXXX, acting under the authority of DISCOVER BANK, never fully release the debtor of their obligations under the underlying student loan contract. This is unconscionable. 15. The debt collection operations by XXXX XXXX XXXX, XXXX. acting under the authority of DISCOVER BANK are clearly a well-oiled machine. They involve chicanery, misrepresentation, and fraud. They operate behind smoke screens with no transparency. My case must be the mere tip of a gigantic iceberg. There must be thousands of such cases over the years where XXXX XXXX XXXX, XXXX, acting under the authority of DISCOVER BANK, have put debtors under duress, abused their trust, and caused them immeasurable damage. 16. The actions of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. acting under the authority of DISCOVER BANK XXXX XXXX investigation both at the XXXX and XXXX levels. This would not be new when it comes to student debt collection. In XXXX, the Consumer Financial Protection Bureau ( CFPB ) sued XXXX for for systematically and illegally failing borrowers at every stage of repayment. 17. I emailed XXXX XXXX of XXXX XXXX XXXX, XXXX. acting under the authority of DISCOVER BANK on XXXX XXXX with my reservations but did not hear back. 18. On XXXX XXXX, I learnt that XXXX XXXX XXXX, XXXX. acting under the authority of DISCOVER BANK had filed for an entry of default and a court judgment despite my first payment of {$25000.00} on XXXX XXXX, good intentions to make payments as per our agreement and my regular communications. On XXXX XXXX, I sent XXXX XXXX and XXXX XXXX XXXX, XXXX, acting under the authority of DISCOVER BANK, the signed Stipulation and requested that we keep to the agreement XXXX XXXX made with me. I pleaded that they do not proceed with the entry for default and court judgment. XXXX. On XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX, XXXX. acting under the authority of DISCOVER BANK finally spoke to me over the telephone and said that his firm would be proceeding with an entry of default and a court judgment but would not enforce the judgment if I made the payments that XXXX XXXX and I agreed upon. XXXX XXXX said that I should trust his word, but neither he nor anyone at XXXX XXXX XXXX, XXXX, acting under the authority of DISCOVER BANK would be sending an email or any other written document to this effect. This makes it clear that XXXX XXXX XXXX, XXXX. acting under the authority of DISCOVER BANK is not acting in good faith or coming to me with clean hands. They say one thing and then do another. Dishonesty, chicanery, misrepresentation, fraud, and intimidation are their modus operandi. To borrow the words of CFPB, all the actors at XXXX XXXX XXXX, XXXX. acting under the authority of DISCOVER BANK are systematically and illegally failing borrowers acting in good faith like me.
08/29/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • OH
  • 44012
Web Older American
Discover Credit Card Letter of Dispute - Elderly Complaint/Credit Report Fix This is my 4th attempt and 3rd written complaint to try and resolve a fraud involving my old business credit card. This > {$3000.00} fraud has had significant impact on my credit scores and mental health. As a XXXX client, I am being taken advantage of by Discover. This is proven by their continuous lack of response and action since my initial grievance on XX/XX/XXXX. In short, nothing has been done. The fraud charges are still present which has negatively impacted my credit scores. This whole back and forth dates to XX/XX/XXXX. Initially, I decided that I would not involve the CFPB. In each letter to Discover, I wrote that I was sending a copy to said regulatory agency, but I wanted to give Discover the chance to do the right thing for their XXXX clients. However, I feel the need to engage the CFPB and others due to lack of action by Discover regarding my complaint and request. This issue dates back to XX/XX/XXXX when I notified Discover of their errors. Which they acknowledged at the time. However, each time I have tried to get an update, they have become more aggressive and angrier with me. I am the victim. I am just hopeful that this 4th attempt will get Discover to do the right thing. I know that it is not my letters that will get them to act now. They will only act when their regulators are notified. It is hard to imagine that I am the only victim of Discovers negligence. In late XX/XX/XXXX, I received notification from Discover that they closed my personal credit card. On XX/XX/XXXX, at XXXX XXXX, I called Discover to try and figure out why you were cancelling my personal credit card. You informed me that it was because I had a delinquent balance on an old business credit card that I havent used in years because of retirement. During our phone call, it was determined by your team that someone changed my account info on my business credit card and made fraudulent charges ( mostly involving paying different cable/cell companies over the phone ). Since all the key account info on the business credit card was fraudulently changed to someone in Florida, I did not know of any charges. This then caused the business credit card to be delinquent. I have never lived in Florida. I have lived at my current address since XX/XX/XXXX. Prior to that, I lived in XXXX, OH for a few years. I have provided a copy of my bank statement from XXXX of XXXX to show proof of address. You, as in Discover, said you would credit those fraud charges back to my business credit card and close it. You would then be sending me a document to attest. A document that I never received because you sent it to the fraudsters address. In a follow-up call from me to you on XX/XX/XXXX, you notified me that the document was returned to Discover. I did not hear anything else from you until my recent complaint letter ( XX/XX/XXXX ). I had no idea that the document to attest was sent to the fraudulent/wrong address and returned back to you. I never received any documents in the mail ( to my actual address ) informing me of what occurred and how you resolved. Therefore, I never heard from Discover following my initial call on XX/XX/XXXX. I continue to experience negative impacts to my credit score, so I decided to write a complaint to your credit area in Utah ( XXXX XXXX XXXX, XXXX XXXX XXXX, UT ). The letter was sent on XX/XX/XXXX. I received Discovers Credit Teams response via two letters, dated XX/XX/XXXX, saying everything was accurate and you were not going to fix anything. This was the first time I received something related to my business credit card from Discover to my actual address. You also sent me 6 months of statements. This is the first time I have seen any statement for my business account since I stopped using it years ago. Since the fraudster changed the contact info on the account, I never received anything. After receiving your complaint denial, I called again on XX/XX/XXXX and was passed from department to department. It felt like they wanted me to give up, hang up, and just pay. After an hour, I was finally connected to Discovers Fraud & Dispute area in XXXX XXXX, OH. This team said they would take over my case and make sure everything was fixed. Discover requested that I send this letter along with a signed Discover Dispute form and any material that would assist in their investigation via fax to their Fraud Department ( XXXX ). I sent this letter along with a separate Discover dispute letter they made me complete. These packages were faxed to their Fraud Department with multiple pieces of items they needed for their investigation ( copies of old bank statements showing where I lived during the time of fraud, copies of checksjust to name a few ). These items were sent via fax on XX/XX/XXXX. ( I have all of the evidence if needed. ) After supplying all of this info, I never heard from them so I called again on XX/XX/XXXX to check on the status. Their fraud team, in XXXX XXXX, OH, informed me that they received my items but their policies and procedures required them to send the complaint to the credit reporting team because my letter had credit scores mentioned in it. I am really shocked that this is still an issue. The fraud team should have taken care of it like they promised. The letter below will provide better insight into what transpired. The business account still reflects the fraud charges. Due to the fraud charges and late fees, the balance is close to {$4000.00}. I want to fraud charges removed, Account closed, I would like you to resolve your fraudulent reporting to the credit bureaus, and An apology Below is an excerpt of my complaint that I sent in XXXX of XXXX which provides more details : I am writing to complain about a recent poor client experience which had negative impacts to my credit score because of your negligence and lack of sufficient security controls/technology/policies/procedures to protect senior clients from fraud. I know your Firms regulatory agencies ( OCC, CFPB, FTC ) have been focused on how Firms, like Discover, protect senior citizens from being taken advantage of. I will be sharing this letter with these regulatory agencies because I am not satisfied with how this recent issue that I escalated to you was addressed. A few interesting red flags/ items stand out : How can someone update my name, address, phone, and email without me/you knowing? Especially when that info differs from another account with you ( personal credit card ). I would assume that any account changes would trigger mailings/notifications to the new and prior addresses to ensure fraud has not taken place. I received no such notifications. Even though I could not have known of these charges and delinquencies, somehow your retail line of business in charge of personal credit cards knew. Not only did they not identify the fraud involving the business credit card, but they decided to take it a step further and outright cancel my personal credit card. My personal credit card had my correct info ( name/address/phone/email ) while my business one had completely different key account info ( fraudster ). One account, personal credit card, was current on payments and aligned with original account owner info. The other account, business credit card, was delinquent on payments for abnormal purchases and did not have any of the information of original account owner. Wouldnt that be a red flag? A dormant account suddenly has all their info updated, followed by random/out of the norm spendingand none of the business credit card information matches the information on the personal credit card. In short, numerous red flags were missed on your side which is causing personal/financial issues and emotional stress. All of which could have been avoided if your systems/policies/procedures were designed in a manner to put the client first. Specifically, senior/retired clients. Since this event impacted my credit score, other credit card providers are either cancelling my credit cards or decreasing my credit limit. It is embarrassing, frustrating, and scary. I have a strict budget in retirement and losing the ability to use a credit card is worrisome. Recently, my own bank, XXXX, whom I have banked with for years, decreased my credit limit for a credit card from around {$5000.00} to just a XXXX XXXX dollars. I have been a long-standing client of theirs ( just like yours ) and have never missed a payment ; however, XXXX still decided to decrease my credit limit. ( **Update since complaint : XXXX realized their mistake and restored my credit limits to their original limits. ) This event demonstrated that Firms, like Discover, have no loyalty or security controls/technology/policies/procedures in place to protect senior clients from being a victim of fraud. You do have great internal systems in place to identify and mitigate potential risks to your business though client creditworthiness. I would say that is some type of conflict. I find it troubling that your systems protected you first before protecting me. Discover & XXXX receive a credit score -> that score triggers an automated review of the client -> systems decrease/close lines of credit -> mail out notices. All automated. Those internal systems seem to be working very well compared to your security controls/technology/policies/procedures designed to protect senior clients from fraud and hardship. So far, it has been one of the worst and most impactful client experiences I have ever dealt with and at my age, that is saying something.
03/13/2019 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Problem lowering your monthly payments
  • NC
  • 28104
Web
Dear Discover Student Loans Leadership Team, While I walked during my recent XXXX ceremony, I still needed 6 more credits to complete my XXXX XXXX in XXXX XXXX XXXX XXXX with a minor in XXXX XXXX XXXX XXXX with a focus in XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX University. I do not list the whole position to gloat or brag but rather to show pride in what I studied and the complexities of my accomplishment. Discover Student Loans has played a big part in helping with my accomplishments via private student loans. That being said, when I walked I informed you all that I needed two more classes to finish up my degree. As soon as my grace period ended I was bombarded with phone calls. Now I have no issue with paying what I owe but I was still searching for a job while working and trying to enroll in the two classes I need to graduate. From there it became a nightmare. Since my grace period ended I have spoken with twenty-nine individuals and most assured me that my problem would be fixed and I would go back into student deferment. Each person who called would start by saying I had a balance of X that needed to be paid by Y as if the current caller never spoke with the previous individual or even looked up my history/information. I was taking four credits with a XXXX XXXX college and two with a third party organization, and have provided all the documentation as instructed by each individual caller. Still, today is the issue has not been corrected and each time I spoke with someone new they would assure me it was fixed, then I would receive another phone call from a different person and I would have to start over. Not only did you not put me back into deferment, but you made sure that the process worked against me every step of the way. Here is what I have been through since XX/XX/XXXX : 1. Received Call XXXX XXXXXXXX informing me my payment is due. 2. XXXX XXXX in XXXX XXXX XXXX who after not really understanding referred me to someone else. 3. XXXX XXXX Service department who did his best to inform me how to get my student deferment but wasnt much help in the long run. 4. XXXX XXXX XXXX XXXX ( Repayment Department ) who guaranteed me that my problem would be fixed as long as I registered half-time by XX/XX/XXXX. He told me to call and they would put me into deferment or XXXX XXXX. Did not speak of needing to have a specific amount of credits. 5. Called XXXX XXXX ( transfers me to repayment ), XX/XX/XXXX ( 6:45 pm ) who tells me to upload second class for proof of enrollment and there will be no further issues. 6. XXXX XXXX XXXX XXXX, XX/XX/XXXX, approx. 9:15 am. I am in the process of uploading proof of enrollment. Says proof of enrollment not good enough. 7. XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX. Transfers me to the service department because she could not help. 8. XXXX ( Service Department ) XXXX XXXX, XX/XX/XXXX. Tells me my original proof of enrollment was not accepted but the new one I provided would certainly work and apologizes for the previous callers but my problem should be fixed now. ( Never Was ). 9. XXXX Tells me my second proof of enrollment will not work and all she could offer is forbearance and my days are running out. 10. XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX. Very nice and helpful and suggest going through my XXXX college and having them declare me as part-time with the third party organization. 11. XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. After calling XXXX XXXX XXXX they let me know that they have declared me as half-time through XXXX and XXXX tells me to wait a week possibly Thursday to have it processed. 12. XXXX XX/XX/XXXX. XXXX XXXX, XXXX XXXX XXXX - She lets me know that the last time my school contacted them was the XX/XX/XXXX and they have not heard back since. 13. XXXX XX/XX/XXXX who sent me to a specialist ( XXXX ). 14. XXXX XX/XX/XXXX, I take time out to explain my whole situation to XXXX and she apologizes of course but then says that I may go into forbearance if I can pay off the delinquency that should not even exist. She told me they will not hear back from XXXX XXXX for XXXX XXXX XXXX until the XXXX of XXXX. 15. XXXX XX/XX/XXXX, looks over my account and restates the same process that I have gone through with the other representatives. My information is already in the system and ultimately recommends forbearance 16. XXXX XX/XX/XXXX Sends me to Specialist in Repayment 17. XXXX XX/XX/XXXX, spend 30 minutes of discussion catching her up on my situation and then she tells me she can not help me and sends me to another specialist 18. XXXX XX/XX/XXXX, after debating options, we decide on 3 months of forbearance while student deferment issue is worked on. 19. XXXX XX/XX/XXXX, talks about other payment plans that are relatively similar to the current monthly rate. ( Still awaiting student deferment ). 20. XXXX XX/XX/XXXX, checking in on Student Deferment status. 21. XXXX Tells me to try and get a signed status report from Dean of XXXX. 22. XXXX Calls about payment I tell him my status. 23. XXXX XX/XX/XXXX, talks about new paperwork that needs to be sent in ( student deferment request form. 24. XXXX Talks about deferment through school database. 25. XXXX XX/XX/XXXX, calling about payments and paperwork sent in. 26. XXXX XX/XX/XXXX, I call about my paperwork. XXXX states my information is still not showing in the database. 27. XXXX XX/XX/XXXX, I call about my documentation still not being seen and stress about credit score issues. He states I can send in a letter from the Dean, Transcript, or some documentation showing half time for a retroactive student deferment. 28. XX/XX/XXXX talked about going back to look at previous documentation. Pushes back office confirmation and then sends me to the forbearance team to give me what sounds like temporary forbearance until this situation is figured out. 29. XXXX XX/XX/XXXX ( Manager in Accounting ) speak briefly and sends me over to senior accountant. 30. XXXX XX/XX/XXXX, originally tells me I am not allowed to have retroactive student deferment because I am not in school. Then tells me I was given an administrative forbearance instead. He states that I only have 6 months of forbearance at a time and I have used all of mine this year ( even though it has only been three months ) he says my other three months were a grace period extension given last year. When I asked why a grace period is factored into forbearance he did not have an answer. He gives me multiple payment options all above {$1000.00} a month. The national average salary of new college graduates is {$33000.00}. A {$1200.00} a month payment would put a student at {$14000.00} annual payment making them owe 44 % of their annual salary. You are now slating college graduates with bachelors degrees to potentially make {$18000.00} ( who land on the median ) annually which is only {$2000.00} above the XXXX XXXX XXXX in XXXX XXXX for a family of two, Under the poverty line for a family of three. This all being said with having a higher education. Something is wrong with the system and I feel taken advantage of. I have been working tirelessly with your biased system to get you to acknowledge that I was still enrolled in two courses totaling 6 credits and she has gotten a deferment for that time period. However, you have been giving me the runaround for months in hopes of putting me, and my co-signers, in default. Your process is structured to the demise of the borrowers. As I stated earlier, I have spoken to 29 people, all who told me something different giving me the impressions I was all set. Then I would get another call and I would go through the same process and receive the same assurances. With each call and derailment, the clock kept on ticking on the loan, although I was told that this was not the case. You set your borrowers up for failure by giving them erroneous information coupled with a customer-disabling process. You are trying my hands so that instead of deferment due to my continued classwork, I go into forbearance with drives higher interest rates and premiums. Your process is staged to give you an unfair financial advantage. You also offer loan consolidation but you also make that process impossible. I think my biggest issue is that I do want to pay back what I owe, that is just the nature of who I am. With time comes growth and with growth comes wealth but your rates are set up for those with established privilege. I want to start paying but your lack of income-based payments, or a consolidation loan that considers income growth potential, cripples your borrowers ability to live a quality life and cripples the economy in the process. Also, refusing to receive even fractional payments make your repayment plans impossible for most. You identify co-signers as co-signers during the application process and use the students ( borrowers ) credit score to increase the repayment amount. Co-signers credit scores are not considered during the application process, however, co-signers then become co-borrowers when its time to repay the loan. Discover representatives often started the conversation by referring to my co-signers and telling me to ask them to pay because they are equally liable. If they are equally liable, why wasnt their credit scores considered when assigning interest rates? I write to you today in hopes that maybe you are unaware of what this process is doing and can help pave the way for students to pay back what they owe in a way that will contribute to their livelihood and therefore the well-being of the economy and sustainability of the success of the country.
10/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32757
Web Servicemember
I am demanding deletion of this item from my credit report. I have already reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protections website at www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document. Section 623 imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at www.consumerfinance.gov/learnmore when they are issued. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at www.consumerfinance.gov. Section 623 ( a ) ( 8 ). Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ). Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ). Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ). Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ). Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B. Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnishers agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information. Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : 15 U.S.C. 1681 Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a Section 616 15 U.S.C. 1681n Section 604 15 U.S.C. 1681b Section 617 15 U.S.C. 1681o Section 605 15 U.S.C. 1681c Section 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681c-1 Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681c-2 Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 Section 609 15 U.S.C. 1681g Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y Best Regards,
04/17/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • PA
  • 152XX
Web
Please also refer to attached documents that I have sent over countlessly to all three credit bureaus by verified mail and fax and the below credit card companies by fax. I have documentation of ALL of this, so they can not dispute any of it. In XXXX of XXXX, I went to try to purchase my first car by myself. Upon applying, I was told that I needed a cosigner because my credit score was not high enough. This greatly confused me since I had never missed any payment on anything and have a no debt outside of student loans. Therefore, I began to investigate and saw on my credit report several credit cards under my name, some with no balance and closed and others with balances totaling $ XXXX XXXX {$4000.00} in furniture from XXXX which was never paid by my parents and sent to collections. I called each card company and they told me that XXXX and XXXX XXXX, who are my parents, opened the cards and were making payments, but on the XXXX XXXX XXXX, XXXX, and Discover cards they STOPPED MAKING PAYMENTS. These accounts first started to be opened TWO MONTHS AFTER I TURNED XXXX XXXX XXXX!!!!!!!! I contacted XXXX XXXX first, since two accounts were under them, and they investigated and found that the accounts were fraud and were opened by my parents. The collections agency also did the same for the XXXX XXXX. However, XXXX XXXX XXXX, XXXX, Discover, and ALL THREE CREDIT BUREAUS are REFUSING to investigate or remove these accounts from my name and credit report after 3+ times submitting disputes, documentation, federal and police reports, etc. WHY CAN XXXX XXXX DO THEIR JOB BUT THE OTHER COMPANIES CAN'T? MY PARENTS WERE MAKING PAYMENTS ON THESE ACCOUNTS PER THE CREDIT CARD COMPANIES SO WHY CAN'T THEY SEE WHAT ACCOUNT WAS BEING USED TO PAY THESE????? ISN'T OBVIOUS THAT MY PARENTS WERE USING THEIR DEBIT ACCOUNT TO PAY OFF THESE CREDIT CARD STATEMENTS?????? WHY WILL THEY NOT INVESTIGATE THAT ESPECIALLY AFTER THEY TOLD ME THAT THEY CAN SEE THAT XXXX XXXX AND XXXX XXXX OPENED THE ACCOUNTS????? I AM TIRED OF GETTING THE RUNAROUND AND LIED TO. I AM A VICTIM OF IDENTITY FRAUD BY MY OWN PARENTS AND THEY ARE NOT TAKING THIS SERIOUSLY AND OKAY WITH THIS RUINING MY LIFE. PLEASE HELP ME. I EVEN PLACED CREDIT FREEZES THROUGH ALL THREE BUREAUS BECAUSE I WAS SCARED OF MY PARENTS DOING THIS MORE TO ME SINCE THE LAST INSTANCE OF THEM USING MY INFO FOR MONEY OR CREDIT WAS IN XXXX!!!!!!!!!!!! PLEASE HELP ME!!!!!! THIS IS DESTROYING MY LIFE!!!!!! I AM FULLY READY TO TAKE 100 % LEGAL ACTION AGAINST ALL PARTIES. XXXX XXXX XXXX ( XXXX ) Parents made and opened account from XX/XX/XXXX XX/XX/XXXX Opened by XXXX XXXX XXXX who is my father per agent ; Spoke to XXXX XXXX fraud agent ) on XX/XX/XXXX and he states my fathers number XXXX is the # associated with the account. Account was closed in XX/XX/XXXX per XXXX by someone, most likely one of my parents, so I called XXXX XXXX XXXX back. XXXX XXXX fraud agent flagged account as fraudulent on XX/XX/XXXX and stated he will let the credit bureaus know of account being fraud ; he also stated that he opened a dispute. " account officially closed XX/XX/XXXX and this was reported to bureaus and should be off credit by early XX/XX/XXXX! ( 45-65 days ) '' - this was stated per XXXX XXXX was never sent by mail contacted them on XX/XX/XXXX ; XXXX from Texas fraud agent also states that fraud dispute was never sent through and that she would have to open the dispute again today ; claim # XXXX ; asked agent NOT to send correspondence to the XXXX address that is on file per XXXX which is my parents address and information and not mine and she states she is putting this in the notes. Asked to speak to supervisor and XXXX hung up on me. Called back spoke to supervisor who guaranteed me that the information was sent to all three credit bureaus for this information to be removed as XXXX XXXX XXXX determined it was fraud, HOWEVER ALL THREE BUREAUS ARE CLAIMING THAT THEY NEVER RECEIVED THIS CORRESPONDENCE. Fax # : XXXX sent police report, FTC report, IRS report, and affidavit of fraud that was notarized to XXXX XXXX XXXX AND all three credit bureaus on this info on XX/XX/XXXX PLUS disputes for all three fraudulent accounts. On XX/XX/XXXX, I received mail from XXXX stating that they will not remove this information from my credit report and stated that they " verified the accounts belong to me '' but HOW DID THEY VERIFY THIS? BECAUSE THE INFORMATION IS WRONG AND MY PARENTS USED ALL OF MY PERSONAL INFORMATION TO OPEN THESE ACCOUNTS!!!!! I HAVE SENT IN NUMEROUS DOCUMENTS, SUBMITTED SEVERAL DISPUTES AND REPORTS BOTH BY MAIL AND BY PHONE AND THIS IS THE 3-4TH TIME I AM DISPUTING AND KEEP GETTING DENIED AND TOLD THAT THESE ACCOUNTS ARE MINE WHEN MY PARENTS OPENED THESE ACCOUNTS FRAUDULENTLY IN MY NAME STARTING AT AGE XXXX. I AM TIRED OF THESE CREDIT BUREAUS LYING AND FAILING TO DO THEIR JOB. XXXX XXXX XXXX ( XXXX ) Parents made and opened account from XX/XX/XXXX - XX/XX/XXXX Spoke to XXXX XXXX XXXX # XXXX ) at Chase on XX/XX/XXXX he opened a fraud dispute on the account and stated that investigation/resolution of the case could take 30-90 days. Follow-up placed XX/XX/XXXX was told that XXXX will contact regarding update on the investigation Contact # XXXX XXXX XX/XX/XXXX stated the account was valid??? so 2nd dispute put in and I sent affidavit, FTC, IRS and police reports by fax Fax # : XXXX affidavit and reports faxed XX/XX/XXXX XXXX direct line to fraud dept ; XX/XX/XXXX stated 4-7 business days for review Mailing address : Attention correspondence department chase card services ; XXXX XXXX XXXX XXXX, DE XXXX Agent states that this account was opened by XXXX XXXX XXXX who is my father ; account also had parents phone numbers on it and their information, only had my name, DOB and social security number associated with it, everything else was their information XXXX ( fraud supervisor ) spoke to me on XX/XX/XXXX ; she spoke to and transferred me to collections ; XXXX XXXX collections XXXX XXXX XXXX ) ; XXXX also logged my complaint and asked for XXXX to contact me directly. XXXX never contacted me and then gave me a nonworking number to contact her by. I contacted her again and she failed to log my dispute. Contacted several times on XX/XX/XXXX and XX/XX/XXXX call was not returned until XX/XX/XXXX and voicemail left. Was told I needed to prove that the Discover account was disputed and would need to send them this documentation in order for them to investigate this account. call back # XXXX - I HAVE NEVER HEARD OF THIS IN MY LIFE. Account Charged off remaining balance {$5400.00} Discover ( XXXX ) Parents made and opened account from XXXX Opened by XXXX XXXX XXXX XXXX who is my father, per agent that I spoke to XXXX Spoke to XXXX at Discover XXXX XX/XX/XXXX account marked by her as fraudulent and stated to contact credit bureaus to dispute Spoke with XXXX at Discover again on XX/XX/XXXX regarding dispute update since she was supposed to call me back and never did ; she told me to contact Charge Off Fraud Department at XXXX XXXX XXXX ) Contacted again XX/XX/XXXX Charge off Department and spoke to XXXX ; dispute opened by this person per his report ; investigations can take up to 90 days per XXXX ; I NEVER HEARD BACK FROM THIS COMPANY AND THEY REFUSE TO PROPERLY INVESTIGATE THIS ACCOUNT. fax # : XXXX and affidavit + reports sent Closed/charged off XXXX XXXX Journey ( XXXX ) ( DISPUTED ) Opened XX/XX/XXXX Disputed and determined to be FRAUD per paper correspondence and was removed from credit history per XXXX XXXX document on XX/XX/XXXX Opened by XXXX XXXX XXXX XXXX XXXX XXXX agent that I spoke with on the phone Closed/Charged off 2nd step police report filed XX/XX/XXXX with Allegheny County Police Fraud Team Made report on XX/XX/XXXX @ XXXX XXXX Police report # XXXX XXXX XXXX police covering To obtain copy of report XXXX Directed to contact credit bureaus Copy of police report obtained XX/XX/XXXX Detective XXXX XXXX on the XXXX XXXX ; XXXX ( e-mail ) 3rd step CREDIT BUREAU DISPUTES XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ; contacted XX/XX/XXXX @ XXXX XXXX o Spoke with XXXX o She noted down that the security questions were all parents info parent name, address, phone number o Letter being sent to me by XXXX to set up a pin and a credit freeze was placed o Told to contact other credit bureaus and let them know o Told will be contacted in 3 business days by fraud department o Credit freeze in place XXXX XXXX ( XXXX XXXX XXXX ; contacted XX/XX/XXXX @ XXXX XXXX o Spoke to XXXX o Fraud alert added by XXXX XXXX Accounts in my name XXXX XXXX XXXX, Discover XXXX XXXX XXXX disputes were filed by XXXX on my behalf XXXX confirmation for the disputes filed o They will let XXXX and XXXX know about fraud alert o Sending me a report with everything! will be sent to me in 3 days Mailed back request to dispute fraudulent accounts; waiting to hear back as of XX/XX/XXXX heard back and told to contact individual card companies o Credit freeze placed
05/09/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92626
Web
On XX/XX/XXXX I purchased a new auto insurance policy through XXXX XXXX XXXX, and I gave the Insurance consultant goes by the name XXXX XXXX my XXXX XXXX XXXX Checking Account information to set up an automatic payment plan. XXXX XXXX XXXX took {$190.00} from my account that day. I believe Mr. XXXX has something to do with my case because three days later on XX/XX/XXXX, {$1200.00} ( that was all the money I had in my bank account ) was withdrawn from my account by the XXXX XXXX XXXX located in XXXX, California. I immediately investigated this suspicious transaction with my bank and they told me that a Levy was placed on my account by the XXXX XXXX XXXX who represents Discover Card. I knew right away that this had to be fraudulent, because I never had a Discover Credit Card. Upon reviewing the levy in person with a banker at a XXXX branch located in the city of XXXX, I learned that my name, social security number, and a random home address appeared to be in the City of XXXX XXXX ( I never lived at that address, and I don't know anyone who lived there ) were used to apply for the Discover Credit Card and got approved for nearly {$14000.00} sometimes in XXXX, and this person whoever applied for the credit card spent {$13000.00} on an account ending in XXXX. When I initially called Discover Card to ask them about this, no one could find a credit card account ending in XXXX. Then they asked for my social security number, and I gave it to them because I thought they already knew my SS # as showed on the levy. After I was placed on hold for awhile, the representative of Discover Card came back and told me that she found the account ending in XXXX, and if I wanted to dispute the levy I had to contact the XXXX XXXX XXXX directly because they were hired to collect the money and they would have all the information pertaining to the case that Discover Card did not have. I asked her if Discover Card had any record of payments made to the account and she said yes and she also told me she would send me a hard copy via regular mail. I made several attempts to contact the XXXX XXXX XXXX for about two weeks after I first learned about the levy via telephone but did not get a reply. I filed a police report and tried to work with XXXX to dispute the unauthorized transaction and have not made any progress. People from the XXXX XXXX XXXX wouldn't talk to me if the conversation was put on speaker phone or recorded. On the last week of XXXX, a female representative from the firm finally spoke to me about the case. She told me that the case had been placed in dispute status and I should receive " some paperwork '' from them within 2 or 3 days in the mail. Almost 2 weeks later and still no paperwork arrived in the mail, I decided to show up at their office to investigate and get the paperwork in person. At the XXXX XXXX XXXX I learned that my case was assigned to an attorney associate named XXXX. I asked XXXX if his law firm obtained my XXXX XXXX XXXX account information from XXXX XXXX XXXX to which he did not deny and only said this, and I quote " we have a research team and that's how we got it. '' I also asked him who would I talk to regarding the dispute, XXXX XXXX XXXX or Discover Card, and he specifically told me not to contact Discover Card about the case and to only speak to his law firm regarding the dispute because they were the one who would conduct the investigation and determine its outcome. I also told him that the only people I know personally who had access to my personal identity information at that time were my mother and ex-domestic partner, XXXX XXXX. After he gave me some paperwork to take home to complete and send back for investigation, I asked him when can I expect the investigation to end and be notified the result of the finding. He told me the investigation would take about 2 weeks to complete. Within a week later, I certified mailed all documents required by the law firm, including the police report, an Affidavit, and a personal handwritten answers to all the questions they asked. Two weeks after the XXXX XXXX XXXX received the documents from me and they did not contact me regarding the result as they promised. During this two weeks of waiting period, a female staff from Discover Card investigation department called me and demanded that I must submit a utility bill that could prove I did not live at the address indicated on the Discover Card application. She told me that this would be the deciding factor of her investigation. I told her that her demand of a utility bill from a place I lived more than 10 years ago was unreasonable because any normal person would have not kept a copy of their utility bill that long. I asked if she would accept another form of document that would prove I did not live at that address like a credit report or a DMV record, and she insisted that the only form of document she would accept as proof was the utility bill and that the utility department would have it available for me upon request. I called the XXXX XXXX utility department and they told me they did not have any record older than two years. From this point forward until I received a a second letter of the result from the XXXX XXXX XXXX today, both Discover Card and the XXXX XXXX XXXX changed their story completely around.but accused me of being " confused '' and misunderstood them. On my second trip to the law firm after more than two weeks from the day they received my documents but showed no ending in sight, XXXX wouldn't come out and talk to me in person. Instead, he sent another guy out to talk to me, whom when asked if he was a lawyer answered " no '' and " yes '' at the same time very quietly. He also informed me that the firm did not know when the investigation was going to end, and they did not do anything shady. Meanwhile I received several calls from a male staff who said he was from the same Discover Card investigation team told me that they never said the utility bill was a requirement, let alone the deciding factor of their investigation. He accused me of being confused because they were the one who solely responsible for the investigation and its outcome, and the XXXX XXXX XXXX was only available to collect the money and not to do the investigation. Also, the utility document was never a requirement, only optional, let alone the deciding factor of their investigation. They also said that me showing up unannounced at the law firm office was unconventional and should not be repeated. Today XX/XX/XXXX, I received a second letter from the XXXX XXXX XXXX with the result of their investigation. According to the letter addressed to " Sir or Madam '', which by the way has a completely different letterhead compared to the letter documents I received from Discovered Card about the payments made to the account ending in XXXX weeks ago, Discover Card concluded that the balance of the account ending in XXXX to be valid, and the only evidence provided to support their claim is a copy of two checks made as payments to the account, one from my sister and the other from XXXX XXXX. A quick look at the writing on the checks I can tell you with 100 % certainty that the writing on the check does not belong to XXXX XXXX, whom I had a 14 years relationship with. When I showed my sister the copy of the check, she said someone tried to make it looks like her handwriting but it is obviously not her handwriting. She confirmed that she did not write that check. I noticed there are two different versions in form of the court order or levy. The original one I got from XXXX XXXX XXXX on XX/XX/XXXX looks very different from the one I received in the mail package today XX/XX/XXXX. Also the dates and names of the creditor Discover appears on the documents they provided are all over the place even though they are presumably about one account. For example, the date appears on the XXXX XXXX XXXX check is dated " XXXX '' and " Discover '' is written on the space designated for Pay to the Order of, and the date appears on the XXXX XXXX XXXX check is dated " XX/XX/XXXX '' and " Discover Platinum Card '' is written on the space designated for Pay to the Order of, meanwhile the actual name of the credit card in question appears on the statements is Discover More Card and the dates are from XX/XX/XXXX to XX/XX/XXXX. The exact date the account was opened was not provided or indicated anywhere. If you would like to receive a copy of the two different versions of the levy and the billing statements, please contact me directly via phone call or email at anytime. I would be more than happy to send them to you for review. I have suffered a huge financial loss as a result of this fraudulent incident, including lass of work and very bad credit scores that have prevented me from getting loans for my business. Please help me.
07/23/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • NV
  • 89103
Web
I, The natural Living man, The original creditor have extended my open ended consumer credit to Discover to have it extended back to the Consumer, Myself, using an open ended consumer credit plan Under the Corporation of the United States of America, securely bonded in Surety and trust within my Certificate of Live Birth. Under 15 U.S. Code 1610 - Effect on other laws ( c ) Disclosure as evidence In any action or proceeding in any court involving a consumer credit sale, the disclosure of the annual percentage rate as required under this subchapter in connection with that sale may not be received as evidence that the sale was a loan or any type of transaction other than a credit sale. Discover is not a federal, but a commercial institution, so by federal law jurisdiction Discover is Card issuer, consumer reporting agency and debt collector ( debtor ). Because Discover is a non-living non breathing entity, they have misused my extension of living open ended consumer credit ( SSN ) and signature to create a fraudulent credit sale. They have falsified statements, documents and furnished consumer reports stating that their corporation is the " original creditor ', yet by law have no right to the extension of living credit to offer the living consumer, myself. FDIC rules prevent banks from loaning their own assets or the assets of their depositors- proving the banks do not and can not provide value for value and have no valid security interest. The Lender in any loan transaction In the United States NEVER lends anything of reasonably equal value to the Borrower and any contract formed is defective for false advertising, semantic deceit, non-disclosure, and lack of equitable consideration. Bank transactions require a legal object and purpose. Discover has committed illegal acts, Fraudulent representation of fact and Lending of credit instead of money, also unfair debt collection practices and harassment through deceitful charges and billing tactics.. 15 U.S. Code 1692f.Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; A bank can not loan credit in truth and validity from a CONSUMERS CREDIT TRANSACTION. See : There is no doubt but what the law is that a national bank can not lend its credit or become an accommodation endorser. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX See : In the Federal courts, it is well established that a national bank has not power to lend its credit to another by becoming XXXX, endorser, or guarantor for him. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX See : Neither, as included in it powers not incidental to them, is it part of a banks business to lend its credit. If a bank could lend its credit as well as its money, it might, if it received compensation and was careful to put its name only to solid paper, make a great deal more than any lawful interest on its money would amount to. If not careful the power would be mother of panics Indeed, lending creates a liability in favor of the bank, the former gives rise to a liability of the bank to another. I XXXX. XXXX XXXX XXXX XXXX XXXX. See XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX. See XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Discover, by Federal law is also a consumer reporting agency and debt collector, who collected upon a not only fraudulent, but nonexistent alleged debt. FDCPA and TILA does not specify OR define the term borrower or loan therefore this notion of debt can not be validated in truth even in the highest federal court. 15 U.S. Code 1692a - Definitions ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. Understand, when an organization initiates a credit sale in a persons commercial name using their open-ended consumer credit plan, then creates and furnishes a deceptive form to make a credit sale appear valid, this is in fact Identity Fraud and theft. That organization shall pay interest to the Consumer for his or her extension of open-ended consumer credit within the CorporatiXXXX of the United States. See : the bank is allowed to hold money upon personal security, but it must be money that it loans, not its credit. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, Fed Case N0. XXXX, XXXX, XXXX. Section 103 ( b ) ( E ) ( 2 ) of the Depository Institutions Deregulation and Monetary Act of 1980, Public Law 96-221 admits that in the United States, neither paper currency nor deposits have value as commodities. Intrinsically, a dollar bill is a piece of paper and deposits are merely book entries. A Bank, non-living entity, can not Lend funds or Extend credit, therefore a bank can not be an original creditor of any natural person 's consumer credit transaction. The Documentation you have presented constitutes, Identity theft and fraud. Congress however states, under 12 USC 1431 that banks may Borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto. See : XXXX XXXX XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX XXXX decision ) See : A XXXX XXXX has no power to lend its credit to any person or corporation XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, certiorari denied in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. See : The Doctrine of Ultra vires is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate chapters, and it is probably not invoked too often XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX v XXXX XXXX XXXX, XXXX XXXX XXXX. See : A bank may not lend its credit to another even though such a transaction turns out to have been of benefit to the bank, and in support of this a list of cases might be cited, which-would look like a catalog of ships. [ Emphasis added XXXX XXXX XXXX XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX Va XXXX. See : It is not within those statutory powers for a national bank, even though solvent, to lend its credit to another in any of the various ways in which that might be done XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX F XXXX XXXX, XXXX ( XXXX XXXX See : A bank can lend its money but not its credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX, XXXX XXXX XXXX, XXXX XXXX ( NS ) XXXX XXXX XXXX require a legal object and purpose. Discover Financial has committed illegal acts, Fraudulent representation of fact and Lending of credit instead of money, also unfair debt collection practices and harassment through false billing charges decrease in credit limit without explanation. Under 15 U.S. Code 1692f.Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; Discover willfully intended to deceive, the original creditor into a fraudulent contract during a credit sale of a consumer credit transaction. I know who I am, and I Am Invoking my specified remedy as an original creditor and consumer in this consumer credit transaction. If Discover continues to report falsified information on my consumer ( Late Payments ) which was constructed willfully in fraudulence and identity theft, I shall be forced to pursue federal litigation with the presentation of facts and exhibits to support my stance. It is impossible to pay on a Positively reflected balanced debt or charge. Discover has mislead the consumer, when in fact the Alleged debt balance showed it has already been accounted for. Why did this number not reflect in a negative balance? 15 U.S. Code 1692h.Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.
02/03/2018 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
  • NY
  • 10016
Web
I have a discover student loan with a balance of {$100000.00}. I have federal loans of over {$200000.00}. Two loans make up this Discover amount, one originally for {$30000.00} at 12.125 % and another for {$22000.00} 11.875 % and the interest rate changes all the time. It feels like I get a letter from them every month telling me the interest rate is changing, going higher. My parents took these loans out originally from XXXX to pay for my XXXX school around XX/XX/XXXX and I was not fully aware nor was I explained by any lender of what such high interest rates would mean once I finished XXXX school.The loans were subsequently sold to discover unfortunately. Both loans have essentially doubled now. I only began to enter repayment about a little over a year ago. My monthly payment is over {$1000.00} a month and it fluctuates due to the variable interest and I have never been able to afford this or consistently pay since I have been in repayment. I have been pausing other loans or using credit cards to pay what I can and my credit is now horrible. I have had a hard time passing all necessary tests since I graduated that I needed in order to work with my degrees. I finally have and would just like to be able to work and save some money for a rainy day and improve my credit. I have used forbearance and deferment and likely every other tactic I could just to get by for the past year. All the measures Ive taken are just not sustainable. There is no way I will be able to pay off this loan or even repay the amount I actually borrowed if Discover doesnt offer real reapyment options that reduce interests and payments to what people can make. Even if it extends the life of the loan, a lower payment I can actually make would be wonderful and I would never miss a payment. I went on Discover loans website the week mid XX/XX/XXXX to look at exactly all the options they offer since I was over 60 days late and just didn't know what to do and was told by Discover I had no options. One repayment option is hardship, where the interest rate is temporarily reduced for up to 12 months to lower your Minimum Monthly Payment amount, subject to a {$50.00} minimum. I contacted discover asking for this as I am clearly facing extreme hardship and have always since repayment began. I was been placed on a similar plan with XXXX XXXX for 24 months, which will absolutely help me save and just get to a better place financially. I was told they can not offer it to me unless the " loan says so ''. They also said that they can not tell me who qualifies for the program or really explain what this all meant, yet it is listed on the site as options for borrowers. This is essentially deceptive advertising. New borrowers likely have seen these options thinking that they will be available to them but they wont. Nor will Discover explain how to qualify for the one program that will likely save so many people from default. They consistency send emails or have agents tell you they have options for you if youre experiening hardship but all the options offered are temporary, add more interest to your loan or you actually dont even qualify for anymore. They have no other options for me and I do no know what to do as I know I can not afford this. Every other student loan has been flexible and have lowered payments and interest rates. Discover has been so unreasonable and truly does not give all repayment options as advertised to those who need assistance. Ive asked agents if they preferred default over working with me and they seem to prefer default. I tried to consolidate these loans with discover and of course I was not approved because they require a really high credit score. I can not get a high score and pay off debts with debts like this constantly looming over my head with constant calls from discover. Not paying other bills to manage to pay Discover has left me with bad cedit Ive explained so many times I can not just make the money appear out of thin air and they don't offer any real assistance. I am also enrolled in a debt management plan that unfortunately does not work with student loans. If they considered my debt to income ratio it would be clear that there is just no way. Discover truly does not have options to help people facing real hardship. Interest just keeps adding and adding and adding. I owe them double what I took out. They always say to ask my cosigner who just started working again after a serious work injury and absolutely can not help as well. If Discover cared to look at everyones credit profile as well as the totality of the circumstances they would offer real repayment assistance. I am only XXXX and I am considering bankruptcy SOLEY because of this loan or even defaulting on Discover because there are just no options. Discover does not provide its borrowers who can not pay their high minimum payments on loans with extremely high interest rates any settlement or reduced interest, or real ways to manage their payments. Additionally, in late XX/XX/XXXX, I requested to be removed off the reduced payment plan ( which reduced only about {$90.00} from the monthly payment ) so I could get forbearance for XX/XX/XXXX and XX/XX/XXXX Payments I could not make. I had somehow been making sure to pay just enough that I wasnt reported but this is no way to live, not paying other bills. I was told that if I removed myself from the plan I would get forbearance for my late XX/XX/XXXX and XX/XX/XXXX payments. Something in their system stopped the forbearance from working and they ultimately had to decide I would not be responsible for XX/XX/XXXX payment due to their system errors. I thought that come XX/XX/XXXX I would have to figure out how to make at least some portion of the monthly XX/XX/XXXX payment and all months from XX/XX/XXXX to XX/XX/XXXX would be on eliminated due to forbearance they were to apply on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I learned from discover that the forbearance would not be applied to XX/XX/XXXX and XX/XX/XXXX payments and they would still be past due even though I had left the lower payment program solely because I thought this would happen. They said it would be instead applied to XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. I also found out these late payments were instead reported to my credit and I had 60 day plus late payment reflected on my credit report. I was ultimately forced to agree to pay the past due payments while they administratively removed my XX/XX/XXXX payment which they said was a way to " help me ''. I stopped paying other loans/bills to pay for XX/XX/XXXX during XX/XX/XXXX and I now have to somehow make sure I pay $ 700+ in XX/XX/XXXX to cover XX/XX/XXXX to not be reported past due for XX/XX/XXXX even though they told me forbearance would apply to them. They told me they would remove the late payments from my credit report. I am not sure if they have yet. I took this option because I felt trapped just so I could get the derogatory marks removed from my credit. They said that me paying XX/XX/XXXX and XX/XX/XXXX would be less than XX/XX/XXXX and XX/XX/XXXX however if forbearance was applied as they said they would I wouldnt have been in this issue. My credit has plummeted do to THEIR error and it plummeted at a time where I had another creditor report incorrect late payments. Just because Discover is offering to remove the marks now does not mean my credit will go back to how it would have been. The real effect on my credit score of their incorrect reporting in conjunction to the other creditor likely can not be calculated. I also asked for the agent I spoke to to tell me in writing they would remove the late payment marks and she would not. She said it was not something she would put in writing and insinuated they would have to receive XX/XX/XXXX payment in order to do so even though they should be obligated to correct the mistake anyway because it was THEIR mistake. It is them who told me the forbearance would be applied to XX/XX/XXXX and XX/XX/XXXX. It was on a recorded call and it can never be denied. They also subsequently apologized for the mistake on a recorded call. I should have been forced to find {$700.00} just so the incorrect late marks would be removed from my credit. I did not choose this company and I would have never. XXXX was my original servicer. I would never want to be stuck with a company that isn't flexible. If you look at the attached statement youll see very little of the minimum payment is actually applied to the principal of the loan which effectively means I will likely never pay off this loan on cure I would attach my original loan details but they are not available online.
09/06/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 07087
Web
I have asked this company to remove my financial information from my consumer reports and they denied it. Because of this, they have defamed my character and caused me damages. I could not purchase a home or get approved for another credit card. I demand that this company complies with federal law because they have violated both my privacy and FCRA laws 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third p arty unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
12/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • FL
  • 34667
Web
I have submitted two prior complaints through the CFPB portal directly regarding Discover Banks. Both times, Discover Banks has lied and stated they have mailed me the results to my dispute on this matter. Please refer to CFPB complaint # XXXX that was submitted on XX/XX/XXXX. In this complaint, I respectfully asked Discover Banks to cease-and-desist from sharing my non-public personal information to non-affiliated third parties per 15 USC 6801, 15 USC 6802, 15 USC 6803. 15 USC 6809, and the Gramm-Leech Bliley Act of 1999. Instead of following my demands, they responded with a bogus response of we mailed you the results. That was a lie, that was sent over through the CFPB on XX/XX/XXXX and it is currently XX/XX/XXXX and I still have not received anything in the mail. Never will. Discover Banks lied and said they mailed me a detailed response to my complaint. It has been almost two months, and I have not received anything in the mail regarding this matter. This financial institution is playing games, and this is a stall tactic on their end. They are infringing on my federally protected rights to privacy per 15 USC 6801, 15 USC 6802, 15 USC 6803 and 15 USC 6809, by sharing my non-public personal information to non-affiliated third parties. Discover Banks account # XXXX that is reporting on my consumer report is not fair and is partial. It is reporting wrong across all three major CRAs ( XXXX, XXXX, and XXXX ), and is reporting income on my consumer report, per IRS publication XXXX. They are also breaking 15 USC 1681 to fair and accurate credit report. In addition to this, Discover Banks has also violated 15 USC 1681i ( a ) ( 7 ) by not responding within thirty ( 30 ) days. This account # XXXX needs to be deleted immediately for failure to respond per 15 USC 1681i ( a ) ( 7 ). Per 15 USC 1681i ( a ) ( 7 ), A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. I never received a response to this matter. Their response was we put it in the mail. They put nothing in the mail. They should have to post their response in the CFPB portal to avoid this fraud and stall tactic theyre using. By the two-week mark of not hearing a response from my first complaint, I submitted another complaint through the CFPB, please refer to CFPB complaint # XXXX that was submitted on XX/XX/XXXX. In this complaint, I addressed the same concerns regarding Discover Banks ignoring my demands to cease-and-desist from sharing my non-public personal information with non-affiliated third parties. I also addressed the matter of Discover Banks NOT responding to my initial complaint dated on XX/XX/XXXX and how XXXX, one of Discover Banks Executive Office Representatives, blatantly did not address my concerns regarding my complaints. Both times I sent CFPB complaints, the same XXXX who works for Discover emailed me. The first email was received on XX/XX/XXXX and the second email was received on XX/XX/XXXX ( please refer to exhibits below ). Per my second CFPB complaint ( referring to CFPB complaint # XXXX ), Discover responded with we responded to XXXX XXXX since they were representing you. This is also a lie! Yes, Beyond Finance WAS representing me with a POA, but since then it has been revoked on XX/XX/XXXX after I discontinued their services. Just to verify is Discover Banks sent Beyond Finance the results, I went ahead and called Beyond Finance myself on XX/XX/XXXX. Discover Banks did NOT send XXXX XXXX with a response to my CFPB complaint # XXXX like their response states. I called XXXX XXXX myself on XX/XX/XXXX and spoke to two different representatives : XXXX and XXXX, both who informed me that Discover Banks never mailed any documentation to them on my behalf. Please call XXXX XXXX yourself and they will tell you the same thing ( XXXX ) XXXX. Also, the phone number Discover told me to call and speak to XXXX XXXX directly did NOT work. That line is disconnected. XXXX, one of Discover Banks employees for Customer Advocacy,, is a liar and blatantly infringing on my requests and demands to privacy. He and Discover Banks financial institution are knowingly breaking federal law. I demanded on XX/XX/XXXX for Discover Banks to Cease and Desist from sharing my non-public personal information with non-affiliated third parties. This company has ignored my requests and has defaulted. By doing this, they are breaking the law per 15 USC 6801, 15 USC 6802, 15 USC 6803, 15 USC 6809, and the Gramm-Leech Bliley Act of 1999. They are also not reporting fairly or accurately on my behalf since they are reporting income on my consumer file which is against the IRS publication XXXX for cancelled debts. They are reporting a charge-off status every month which is inaccurate and are repeatedly reporting late payments on a charged off account. This financial institution is violating 15 USC 1681 to a fair and accurate credit report and violating my rights to privacy. I also demanded a copy of the agreement where is clearly and conspicuously discloses the sharing of my non-publics personal information. They have failed to provide me the proper documentation regarding this matter as well. Or to them its IN THE MAIL. Lies and lies. Please SHOW ME the PROOF Discover Banks that YOU sent ANY documentation in the mail. I doubt you can show that because it is a LIE. They failed to RESPOND AT ALL. They have defaulted multiple times for multiple reasons. They are not complaint with federal laws including the FCRA. They are playing games and breaking the law on my behalf, a federally protected consumer. I have endured lots of pain and suffering due to this account fraudulently reporting on my behalf. I have been denied credit, vehicle loans, and a mortgage due this financial institutions unlawful practices. I requested Beyond Finance to mail Discover Banks the revoked POA paperwork on XX/XX/XXXX and I also have paperwork on my behalf how they are no longer responsible for my accounts that were previously enrolled in the program ( please refer to exhibit ). After not hearing from Discover Banks TWICE, I decided to file an Attorney General Complaint and a complaint with the Florida Department of Agriculture and Consumer Services ( Case # XXXX ). These complaints were filed on XX/XX/XXXX. The only time that I have received any mail from Discover Banks was AFTER the Florida Department of Agriculture and Consumer Services reached out to Discover Banks on my behalf. I got a response from XXXX, one of the Executive Office members of Customer Advocacy. The letter was dated on XX/XX/XXXX but was received on XX/XX/XXXX ( please see exhibit ). I demand this company to STOP their stall tactics and to remove this account from my consumer report immediately! Nothing is fair or partial on this account. I have already filed an FTC report ( that Discover is well aware of ) and have escalated this to federal and state complaints. Due to the intensity of needing to dispute information on my consumer report and not hearing a response in a timely fashion, Discover has caused me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been denied credit card applications due to these fraudulent accounts being on my report, I have been denied vehicle loans and the auto loan I did get on my truck resulted in a VERY high interest rate of 24 %, I have been denied additional lines of credit ( please see exhibit below for not getting approved for a Credit Card through XXXX XXXX ), I have been denied increased credit card limits, I have been denied a mortgage for a home for my family. ALL of this is due to Discover Banks fraudulently reporting on my behalf without my verbal or written consent. I have endured years upon years of continuous denial, along with pain and suffering from Discover Banks and their impermissible reporting of information on my consumer report. Not only has this company caused pain and suffering, but they are also preventing my family from getting a home via a mortgage loan, being unable to refinancing my vehicle loan to a lower interest rate to save money, and not being able to obtain new credit cards with better rates. Clearly, I have been severely impacted by this company. This is also a defamation of character on my behalf. These accounts being reporting on my consumer file wrongfully and non-consented are a false statement of who I am as a human, a person of society, and a career driven mother. Please note that I am also reporting this matter to the major CRAs for Discover Banks blatantly breaking the law.
02/17/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • CA
  • 95608
Web
NOTICE OF FAULT AND OPPORTUNITY TO CURE THIS NOTICE AND ENCLOSURES ARE A PRIVATE COMMUNICATION BETWEEN THE PARTIES AND CONSTITUTE DUE PROCESS NOTICE TO AGENT ( s ) IS NOTICE TO PRINCIPAL ( s ) -- - NOTICE TO PRINCIPAL ( s ) IS NOTICE TO AGENT ( s ) DATED : XXXX XXXX XXXX the XXXX day of the XXXX month of the year XXXX-XXXX XXXX FROM : : XXXX ;. XXXX ( CLAIMANT ) XXXX XXXX XXXX XXXX XXXX California [ XXXX ] Non-Domestic without the United States TO : DISCOVER FINANCIAL, individually and in the commercial capacity, acting as and/or its principals, subsidiaries, agents, affiliates, successors and/or assigns ( individually and collectively, RESPONDENTS ) c/o XXXXXXXX XXXX XXXX XXXX, XXXX, IL [ XXXX XXXX CC : SECRETARY OF THE STATE OF THE UNITED STATES ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. WASHINGTON, D.CXXXX XXXX CONSUMER FINANCIAL PROECTION BUREAU ATTN : XXXX XXXX XXXX XXXX XXXX XXXX. WASHINGTON, D.CXXXX XXXX ATTORNEY GENERAL OF THE UNITED STATES ATTN : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WASHINGTON, XXXX XXXX SECURITIES AND EXCHANGE COMMISSION XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX WASHINGTION , D.CXXXX XXXX FEDERAL TRADE COMMISSION ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, D.CXXXX XXXX XXXX XXXX XXXXY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX SERVICE : Certified Mail Number, Return Receipt : RE XXXX XXXX XXXX XXXX RE : Cease and Desist, Debt Validation, Conditional Acceptance Letter, dated XX/XX/XXXX, from Claimant to Respondents ( among others ), regarding Cease and Desist, Debt Validation, Conditional Acceptance Letter. COMES NOW THE CLAIMANT, natural woman and free inhabitant on the land, in peace and with the intention of obtaining lawful remedy as is provided by law NOTICE TO THE ABOVE RESPONDENTS IN THE MATTER OF : DISCOVER FINANCIAL acting as CREDITOR and/or, agents, affiliates, successors, debt collectors ; failure of Respondents to properly respond to Cease and Desist, Debt Validation, Conditional Acceptance, and, failure to comply with the Claimants demands, and, failure to carry out Claimants orders, pursuant to the Notice. NOTICE : Capitalized and defined terms not otherwise defined in this Notice of Default and Opportunity to Cure shall have the meanings ascribed to such terms in the Notice. He who is silent is considered as assenting, when his interest is at stake. An unrebutted affidavit stands as truth in commerce. He who is silent is supposed to consent. The silence of a party implies his consent. An unrebutted affidavit is acted upon as the judgment in commerce. I. STATEMENT OF FACTS 1. On XX/XX/XXXX, I XXXX XXXX XXXX made presentment of Cease and Desist, Debt Validation, Conditional Acceptance, NOTICE AND DEMAND ( six pages ), regarding the debt validation sent via United States Post Office ( hereinafter USPS ) Registered Mail Number XXXX Return Receipt to : DISCOVER FINANCIAL HEADQUARTERS XXXX XXXX XXXX, XXXX XXXX IL XXXX XXXX ], a copy of which is enclosed herein. 2. Per the Claimants inquiry to XXXX Track and Confirm, and per the dated return receipt PS Form 3811, the Cease and Desist, Debt Validation, Conditional Acceptance Letter was delivered on XX/XX/XXXX to RESPONDENTS. 3. As of XX/XX/XXXX, RESPONDENTS have chosen to ignore my request. 4. As of XX/XX/XXXX, RESPONDENTS failed to comply with the Claimants Conditional Acceptance and failed to uphold Claimants demands pursuant to the following Sections of the Notice ( which were required to be complied with and postmarked within twenty-one ( 21 ) days of said Notice ) : 1. VALIDATE DEBT 2. DEMAND FOR REMOVAL 3. PAY COMPENSATING DAMAGES 5. RESPONDENTS have not refuted nor rebutted the PRESENTMENT via affidavit sworn under penalty of perjury. 6. RESPONDENTS also have failed to perform required actions. 7. RESPONDENTS failed to provide the complete GAAP Audit trail for this account, including all documents. 8. RESPONDENTS are in violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) - As DISCOVER FINANACIAL has reported this account 60 days past due. I was not given the chance to opt out of having this information reported about account ending in XXXX and this disputed information must be removed. 9. RESPONDENTS stated, on XX/XX/XXXX As a result of a recent review, we have closed the account referenced above. WE have taken this action because we were unable to verify personal information on your account. We will report to the credit bureaus the account was closed by creditor, and credit your account with your card rewards balance if you have one. Pursuant to 12 C.F.R. 1026.13 ( d ) ( 1 ), the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by DISCOVER FINANCIAL will forfeit its rights to collect the disputed amount as described in 15 U.S. Code 1666 ( e ) and hold the creditor liable under 15 U.S. Code 1693m for XXXX XXXX XXXX XXXX for the actual damage caused to I, the affiant, as well as held to criminal liability pursuant to 15 U.S. Code 1693n for failing to provide required documentary evidence as requested to clarify and revolve the previously addressed billing error. 10. RESPONDENTS are at Fault. 11. RESPONDENTS have no right to act outside the scope of Claimants instructions in the Notice. RESPONDENTS willingly breaching their fiduciary duties by failing to honor RESPONDENTS Cease and Desist, Debt Validation, Conditional Acceptance Letter and failing to uphold Claimants rights can only lead Claimant to believe that RESPONDENTS are continuing to violate the many Title 15 united states codes listed. II. OPPORTUNITY TO CURE You have ten ( 10 ) days from the delivery date of this NOTICE OF FAULT AND OPPORTUNITY TO CURE to : ( a ) meet all obligations described in the Cease and Desist, Debt Validation, Conditional Acceptance and send a signed notice of completion of said obligations postmarked within ten ( 10 ) days, or, ( b ) respond to the Cease and Desist, Debt Validation, Conditional Acceptance ( sent with the Notice ) on a point-by-point basis, via sworn responsive affidavit, under RESPONDENTS full commercial liability, signed under penalty of perjury that the facts contained therein are true, correct, complete and not misleading. As expressed in the Notice, mere declarations are an insufficient response. NOTICE : Any and all responses from RESPONDENTS shall be sent to Claimant by traceable mail only, certified or registered mail. If an extension of time is needed to properly answer, please request it in writing and send the request by traceable mail to the mailing location provided above. If you simply meet the obligations of the Notice, your actions shall not be construed as an admission of guilt, and I shall release you of all liability regarding this matter. Your non-response to the Cease and Desist, Debt Validation, Conditional Acceptance shall be construed as an admission of the facts contained therein. III. FAILURE TO ACT AS REQUIRED The Witness shall execute a certification of your response or lack thereof. If you fail to respond, said certification, along with the NOTICE AND DEMAND ( and Cease and Desist, Debt Validation, ) and this NOTICE OF FAULT AND OPPORTUNITY TO CURE, shall be the FINAL EXPRESSION IN A RECORD as a complete and exclusive statement of the terms of the agreement between us. Public notice of our private agreement may be made a matter of public record at any time and at the discretion of the Claimant. IV. ENCLOSED The following is enclosed are incorporated herein by reference. Please read them carefully : 1. Cease and Desist, Debt Validation, Conditional Acceptance, certified copy Thank you for your time and attention to this matter. I declare ( or certify, verify, or state ) under penalty of perjury under the laws of the United States of America that the foregoing is true and correct, under common law. Executed without the United States, at XXXX this ______ day of the __________ month. Witness my hand. Witnessing By : _____________________ ___________________ ____________, All Rights Reserved ___________________ NOTICE : THIS DOCUMENT IS NOT INTENDED TO THREATEN, HARASS, HINDER OR OBSTRUCT ANY LAWFUL OPERATIONS AND IS FOR THE PURPOSE OF OBTAINING LAWFUL REMEDY AS IS PROVIDED BY LAW. Using a notary on this document does not constitute any adhesion, nor does it alter my status in any manner. The purpose for the notary is verification and identification only and not for entrance into any foreign jurisdiction.
08/01/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TN
  • XXXXX
Web
SUMMARY : XXXX XXXX XXXX, XXXX., XXXX, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, purchased four bottles of XXXX brand Ubiquinol ( the active form of CoEnzyme Q10 ) encased in oil as a gelcap on XXXX. Ubiquinol is fat soluble, which means it must be taken with fat or oil to dissolve. XXXX instead sent XXXX XXXX four bottles of XXXX Ubiquinol in a dry powdered tablet, which lab test results show to be worthless as containing little or no Ubiquinol. XXXX refused to apologize for sending the wrong product and immediately send the correct product at no additional charge to XXXX XXXX, refused to issue a refund, and refused to accept a return of the product. The purchase was made on Discover Card, and XXXX XXXX initiated a dispute for the transaction. Discover Card fumbled and bungled XXXX XXXX XXXX complaint THREE times and accepted XXXX XXXX proof that " some '' product was sent and received, even though it was not the product ordered by XXXX XXXX. Speaking on a recorded lines each time, Discover Card 's own dispute resolution staff admitted " The resolution specialist reviewing your account did not understand that you ordered gelcaps, not dry powdered tablets. '' " XXXX did not respond to your complaint that the wrong product was sent to you, and our resolution specialist thought you were claiming that did not receive any product. '' Ultimately, Discover Card attempted to absolve any liability by referring the dispute to an " unbiased '' arbitrator, who has a 99 % -100 % track record of always finding for the corporate supplier and 99 % -100 % of the time against the consumer purchaser. 1. On XX/XX/XXXX, XXXX XXXX purchased XXXX Ubiquinol tablet form from XXXX for a price of {$22.00} per bottle. See attached picture file. 2. A laboratory test to verify these tablets indeed contained Ubiquinol and check for possible fraudulent conveyance and lack of active ingredient demonstrated that XXXX XXXX XXXX serum CoQ10 value was in the lowest quartile of the reference range and a value of XXXX. See picture file labeled as low test result for CoQ10. XXXX XXXX attests that he can normally achieve this low serum level of CoQ10 without consuming any Ubiquinol supplement. This level is far from optimal, which necessitates his taking Ubiquinol as a supplement. 3. On XX/XX/XXXX, XXXX XXXX specifically ordered XXXX Ubiquinol in softgel form, in which true Ubiquinol would be suspended in an oil. See picture file labeled XXXX XXXX order for softgels. 4. The XXXX softgels were much more expensive than the XXXX tablets. Each bottle of gelcaps/softgels was {$32.00}, and XXXX XXXX paid that higher price for FOUR bottles. See attached picture file labeled XXXX price of bottle 5. XXXX XXXX was willing to pay this higher price in order to get XXXX Ubiquinol in gelcaps rather than the worthless product in tablet form. 6. The picture file captioned XXXX XXXX shows my blood test result when consuming genuine, authenticate, real Ubiquinol 300 mg. The result of XXXX places me in the top quartile of the reference range, which is an optimal level of CoQ10. 7. As part of my dispute, I included the picture file labeled Contents white tablets not softgels, which shows the bottle sent to me by XXXX with " softgels '' on the label but white tablets inside the bottle. 8. As part of my dispute, I advised Discover Card that I still had two unwrapped with the outer warehouse wrappers uncut and the bottles unopened from this order. See two pictures. Anyone shaking these bottles will hear the rattling sound of tablets, not the silence of softgels/gelcaps. The warehouse wrappers state the content is Ubiquinol but do not state gelcaps -- - a possible sign of XXXX negligence that should have been rectified in Discover Card 's dispute process. 9. XXXX charged a higher price on XX/XX/XXXX, for Ubiquinol in oil-based gelcap form than in dry powder pill form. 10. Ubiquinol is a fat soluble compound, which means that it is dissolved and metabolized by the human body when it is combined with oil or fat. 11. XXXX sent XXXX XXXX XXXX bottles of XXXX brand Ubiquinol labeled as gelcaps on the outside but which contained dry powder pills inside. 12. XXXX XXXX took pictures of the pills inside one such XXXX bottle and sent the picture as an attachment to Discover Card as attachments to his dispute. 13. XXXX XXXX obtained a blood test to check whether the pills he purchased from XXXX contained any Coenzyme Q10, and XXXX XXXX attached a copy of the blood test result to his dispute with Discover Card. 14. The blood test received by Discover Card and forwarded to XXXX showed that his Coenzyme Q10 levels ranked in the lower quartile of normal reference range. 15. The purported dose of Ubiquinol in the product supplied by XXXX and shipped by XXXX was 300 mg ( per gelcap ). 16. XXXX XXXX had previously taken 300 mg of Ubiquinol suspended in a gelcap and obtained blood tests showing his serum CoQ10 levels were in the top quarter to top decile of the reference range. See picture file labeled XXXX XXXX XXXX. XXXX XXXX sought to return the merchandise to Amazon for a refund alleging a fraudulent lack of Ubiquinol in the XXXX pills, a fraudulent label showing gelcaps but actually pills inside each bottle, and a fraudulent charge of higher priced bottles for gelcaps sold to XXXX XXXX. 18. XXXX XXXX sought a refund from XXXX within 30 days of the product arriving at his home. 19. XXXX displayed a screen showing no return of the XXXX pills was allowed and no refund could be requested, as shown on the attached screen capture picture file labeled XXXX offers no refund or replacement for fraudulent product. 20. XXXX XXXX included a copy of this screen capture picture as an attachment to his dispute with Discover Card. 21. XXXX refused to provide XXXX XXXX with an address where he could return the Ubiquinol pills. 22. XXXX XXXX demonstrated to a Discover Card dispute representative that the Ubiquinol sent to him were pills and not gelcaps by shaking the bottle during his conversation and letting the Discover Card representative here the rattling sound of pills inside a plastic bottle. 23. The Discover Card dispute representative spoke to XXXX XXXX on a recorded line. 24. The Discover Card dispute representative confirmed in the call that he could hear a rattling sound of the pills being shaken in the bottle and that he would have expected to hear no sound if the bottle had contained softgels. 25. XXXX XXXX sent Discover Card photographic proof of a XXXX bottle labeled softgels, and when the contents was poured out, pills can be seen in the photo attached to his dispute and shown in the attached picture file Contents White tablets not softgels. 26. XXXX fraudulently sold XXXX XXXX Ubiquinol softgels , in which the Ubiquinol would be suspended in oil/fat inside the softgels, and instead shipped him dry powder pills. 27. The 300 mg dose of Ubiquinol in dry pill form yielded significantly lower ( bottom quartile of the reference range ) serum CoQ10 levels than what XXXX XXXX had achieved with a 300 mg softgel dose of Ubiquinol ( serum CoQ10 in the top quartile of the reference range ). 28. Discover Card employed and paid for a ( bogus ) arbitrator to review XXXX XXXX dispute. 29. Discover Card provided XXXX XXXX with no notice of the hearing or an opportunity to present evidence during the arbitration hearing. 30. The arbitrator has a track record of siding with merchants approximately 99 % -100 % of the time ; otherwise, he would be replaced with an arbitrator who always sided with the corporation supplier. To maintain this arbitration stream of income, the bogus arbitrator simply sides with the corporation against the consumer regardless of the facts. 31. Discover Card refused to provide XXXX XXXX with the name and contact information for the arbitrator. 32. Prior to this episode, Discover Card alleged that it had a fair and reasonable dispute process, and that it would not charge XXXX XXXX for products that he did not order. XXXX XXXX relied on these promises and declarations by Discover Card to make this specific purchase for a product from an uncertain supplier. 33. Previously he had purchased products on XXXX using a Mastercard, not Discover Card. Therefore, Discover Card 's material representations as to an honest dispute resolution process, not a fumbling and bumbling mistaken and then accept whatever the merchant says without question, affected XXXX XXXX 's decision to use Discover Card.
05/04/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • VA
  • XXXXX
Web
XX/XX/2020 : I applied for and was immediately approved for a secured Discover card. Like any other credit card application, I had to include my identifiable information which I'm certain Discover has the proper measure in place to " vet '' who I am as a form of verification and to thwart identity theft. XX/XX/XXXX : received email that my deposit was successfully received and that I would receive my card within 2 weeks XX/XX/XXXX : received card XX/XX/XXXX : received email to electronically sign & return/submit an IRS form 4506-T form. Odd but I complied. XX/XX/XXXX : I signed & returned & received confirmation for the completed 4506-T. Also called Discover at XXXX to activate card but to no avail. I figured I'd give it 5-7 more days to process the 4506-T. XXXX XXXX XXXX : I called Discover 's automated activation line at XXXX 18 times & went online just as many times I bet between those dates still to no avail. The customer service agents kept saying it's being processed, then someone finally admitted that Discover is moving slow due to coronavirus, then a lady finally apologized for the delay and offered minimum access to MY MONEY on MY card for food & gas which was no help to me. I need to be able to use that card for which Discover swiftly collected their deposit out of bank account. XX/XX/XXXX : I finally demanded to speak to a supervisor. I got a woman named XXXX who confessed that Discover is at the mercy of the vendor who processes the 4506-T forms & that as soon as a new " form finalizing '' plan occurs she would call me. She took my name & number and promised to call me with a solution. That never happened. At this point Discover has successfully been consistent in being a complete disappointment. And worse, they are holding money hostage ... ..without interest!!! There's more ... XX/XX/XXXX : No XXXX, no letter, no email so I hunted down a better " next step '' contact. I discovered XXXX, a customer advocacy number. I spoke to XXXX. I explained all of the above. He said he would research it, it typically takes 2 days, and he would call me by Tuesday, XX/XX/XXXX at the absolute latest. XX/XX/XXXX : In another random attempt to activate my card, I went online and was finally able to get through. I set up automatic payments for the XXXX of every month, set up two personal household bills to process their monthly bill automatically to this Discover card, and purchased some birthday items online for {$29.00}. The card worked for both bill set up & the purhase and I even received email confirmation accordingly. Now I'm happy. XX/XX/XXXX, XXXX EST : ( ironically subsequent to the above ) XXXX from Discover called me from XXXX. He said they still haven't been able to rectify or expedite the processing of the 4506-T forms & offered that I do more work and give them unnecessary, other access by sending them MY last 3 months of bank statements to which I replied NO. I didn't even mention that I had already accessed my account because I assumed he just hadn't done his due diligence and would see that I'm all set at this point. ( Because 1. My card worked now last I checked, 2. That's not a solution for me. That's a solution for them, 3. There was no explanation as to how or why a bank statement would further or better yet complete the verification process. ) XX/XX/XXXX, XXXX EST : I attempted to log in to make sure the merchant from whom I made a {$29.00} purchase had refunded me, and I got the same unable to access account message that I had gotten before!!!!! XX/XX/XXXX, XXXX EST : ( ironically subsequent to the above ) XXXX ( who I registered my complaint with on XX/XX/XXXX ) called me to say the same " we don't have a solution, send me your last 3 months bank statements '' jive. He said he sees where I declined to send my bank statements. He added that IRS allegedly placed a hold on processing 4506 forms. So I demanded some explanation & logic to which he really didn't have ANY satisfactory answers. My questions were : 1. Why do you need to verify my identity AFTER you not only approved but also SENT me a credit card AND swiftly COLLECTED my deposit? XXXX 's answer : Because Discover does random verifications. 2. Why/how was I selected for a random verification check when I'm brand new? XXXX 's answer : Because Discover does random verifications even on me customers. 3. What are you looking for on my bank statements? XXXX 's answer : I don't know. ( How ridiculous! And worse, IRS transcript shows way more than a bank statement. ) 4. I don't think it's accurate that IRS stopped processing 4506 forms because ironcially I've had to submit 2 of the same 4506-T forms to 2 other entities SUBSEQUENT to the one I submitted to Discover and those have been processed already. XXXX 's answer : _______ 5. What about the alleged 3rd party that processes your forms? So is it the 3rd party or the IRS that's not processing the forms? XXXX 's answer : IRS. And they have not provided due date & Discover is daily searching for alternate options to verify identity. 6. Since I have charges already on the card, how will I be able to make my payments? XXXX 's answer : We will send you a bill. ( I can't get ANYTHING else from Discover including access to MY card for which I have long ago satisfied the deposit, application, and verification requirements but I can get the bill though.??? ) 7. How was I given arbitrary access to my account online and to make non-food & gas purchases on XX/XX/XXXX? XXXX 's answer : XXXX did that when I spoke to him that day. ( FALSE!!! I spoke to XXXX coincedentally AFTER I accessed my account & made purchases! He obviously didn't check the time stamps. It sounded good in theory but that was NOT correct! So, this question is still unanswered also!! ) 8. I made a comment about me being an investor not a cardholder since they have my money & I can't use or access it due to no fault of my own. I asked about investor benefits, return/interest rates, paperwork, etc. XXXX 's answer : ___________ I've since then researched IRS handling. There is a blatant message on IRS.gov that says IRS is not processing or handling mailed 4506 requests and it even lists to steps requestors can use to get the requested response the 4506-T form warrants. I'm sending this message on the evening of XX/XX/XXXX. Over a month later and still no access to MY card or money, no logical resolution or explanation, no offer to " make up '' for this gross handling & inconveneince. All I have is a headache from this, an offer to do more work than Discover to solve their problem, no explanation, and oh did I mention no access to MY card or MY money?!!!! I dare not cancel the card because that would be another set of issues I'd have to work through especially on my credit because it would look bad to cancel a credit card. I have a sneaking suspicion this was the whole scam anyway. Approve card, take the money, assert that they are conducting a random verification, hold the customers card hostage until they send a 4506-T form, pretend Discover needs it, pretend IRS can't process it, instead request access to customers personal business/finances/buying habits, count on the type of customer that gets a secured card being so stupid, anxious, & desparate to have and use a credit card and rebuild their credit that they comply with these ridiculous requests and ultimately let the customer get frustrated enough to cancel, get their money back, & scar their credit. Discover wasn't even sly enough to make this fake verification a prerequisite instead of a post-approval requirements. No ma'am or sir. Fix this right away please. Please register this complaint. I have all of my written proof, my phone records, screenshots, emails, etc. I've forwarded this same message to the Office of the Comptroller of the Currency, XXXX, & every executive and board of directors at Discover and Discover Bank that I could find including CEO XXXX XXXX. This is so disappointing especially given the climate we're in now. Every dime counts! I know Discover could care less and that I'm a small fish in a big pond. The way Discover has behaved halfway makes me think I've uncovered their scam. No wonder more people carry Visa & MasterCard instead. I get it now. Please help me fix this. I'm not going to let this slide. Thank you.
12/08/2022 Yes
  • Student loan
  • Private student loan
  • Getting a loan
  • Denied loan
  • LA
  • 70043
Web
On XX/XX/XXXX, I received an email from my XXXX XXXX XXXX XXXX asking if I exercised all of my federal financial aid options before he proceeds to certify my private discover loan for {$60000.00}. I advised XXXX that I would like to proceed with using my private loan, and XXXX replied that he will be certifying that amount with Discover student loans. On XX/XX/XXXX, Discover student loans disbursed {$30000.00} to the XXXX XXXX XXXX financial aid office. After my tuition and fees posted to my student account there was a remaining credit of {$10000.00} on my account. On XX/XX/XXXX, {$7500.00} was direct deposited into my account, which is the standard living calculation based on the schools website for the average student. I reached out to the financial aid advisor XXXX XXXX along with another staff member from the college of law, where XXXX XXXX confirmed over the phone that I was set to receive the excess loan funds of {$10000.00}. On XX/XX/XXXX, I was copied on an email from XXXX XXXX explaining I only received {$7500.00} because that it is all that remained of my discover student loan money in the amount of {$30000.00} and they only thing that would effect that amount would be adding any dependents and changes to my FAFSA. On XX/XX/XXXX, I visited the financial aid office to speak with XXXX XXXX. I explained to XXXX that my loan is listed as an award, and that they were following the rules for federal direct loans or institutional loans/awards or awarded federal or institutional funds instead. XXXX could not provide any resolutions for that matter. XXXX explained that the government set limits for the cost of attendance, and I explained that discover pays 100 % of my costs for school, and the other guy in the office came up to the desk saying that you can only borrow so much because you can't profit off of going to school. The guy stated that we have limits set for that and that limit is {$60000.00}. I explained that the school certified {$60000.00} of the discover funds that I requested, and the funds I need for living expenses are within that amount. I also explained that my budget limitations are set as if I am an XXXX resident however, I am from XXXX and a flight home is {$1000.00} at minimum. The guy in the office asked XXXX how much of my loans are through FAFSA or through the school, he told him that the only thing I had of that sort was a tuition waiver. The guy then directed me to contact XXXX XXXX , the associate director of financial aid. I emailed her to set up an appointment and XXXX XXXX placed an escalation on my account and advised me to submit a budget appeal. On XX/XX/XXXX, I went to the financial aid office and spoke with XXXX XXXX. XXXX reviewed my apartment lease, my one-way flight receipt, and my class seat deposit receipt of {$500.00}, and she increased my student budget by {$3400.00}. XXXX confirmed that the excess funds in the amount of {$6600.00} would be credited back to Discover student loans. On XX/XX/XXXX the increased amount of {$3400.00} was direct deposited to my account based on the budget appeal I submitted with XXXX. On XX/XX/XXXX, I called the financial aid office to confirm with XXXX if the remaining funds of {$6600.00} was returned to Discover student loans and XXXX stated that she did not see the amount of {$6600.00} on my account and that she can not confirm where the funds were located. XXXX then directed me to speak with XXXX XXXX in student accounts because she would be able to see exactly where those funds were allocated to. I further questioned XXXX about my budget limitations, and she explained that the appeal amount did not include moving expenses and based on the assumption that my apartment was partially furnished in which she then advised me to submit another appeal with XXXX XXXX, the associate director of financial aid who I also sent an explanation email to on the XX/XX/XXXX. On XXXX XXXX XXXX sent an email confirming that {$6600.00} were sitting in a holding account in which she returns in batches. XXXX explained that she would proceed with returning the funds to Discover student loans once I completed the budget appeal process. On XXXX XXXX I spoke with my dean of students explaining that XXXX told me that there was nothing else she would further consider for extending my budget beyond my books for the semester. My dean of students then reached out to XXXX, and XXXX advised that I submit a budget appeal amendment to include my full cost of books for the semester and a possible travel extension due to the loss of my step-father the week prior. I sent XXXX a breakdown of my books for the semester along with pictured receipts and details of my current situation. On XXXX XXXX XXXX sent an email to me explaining she processed my additional budget appeal request for a total of {$1200.00} for full travel allowance but not the full book allowance because it was partially accounted for with my cost of attendance. XXXX also stated that the remaining amount of {$5400.00} should be returned to Discover student loans. The {$1200.00} were direct deposited to my account on XX/XX/XXXX. On XX/XX/XXXX I called Discover student loans in addition to logging into my student which not shows a balance of {$31000.00}. The discover manager with whom I spoke with said that they didnt information about any funds be returned from the XXXX XXXX XXXX XXXX they only showed there is a second disbursement set for XX/XX/XXXX for the amount of {$23.00}, XXXX. Also on XX/XX/XXXX, I called the financial aid office and spoke with XXXX XXXX. I explained to XXXX my current frustration and confusion with my private loan excess funds issue. I explained to XXXX that the schools financial aid policy states that any excess funds on the students account after tuition and fees have posted are to be disbursed to the student and that the only instance where student funds are adjusted is when a student receive a scholarship award, intuitional or government awarded funds that exceeds the cost of attendance and I only received a merit tuition waiver for {$19.00}, XXXX for the entire year which is dependent on my GPA at the end of each semester. I asked XXXX about the process for FAFSA XXXX plus loans and what is the difference between the XXXX plus loan and a private loan that is covering the same amount of tuition and XXXX stated that he sees my point and could not give me a clear answer as to why I would be able to receive excess funds with the XXXX plus loan and not a private loan and that he has never seen anyone in my situation with only private loans. He said he could only explain that because I have a tuition waiver that is need based aid, is one of the factors as to why I cant receive my private loan access funds. He directed me to speak with XXXX XXXX once more who could probably better explain. On XX/XX/XXXX, I spoke with XXXX XXXX once more regarding the difference between the XXXX plus loan and a private loan in which she advised me that I would be in the same situation that I am currently in because they have to follow federal guidelines even for private loans based on FAFSA information. I then explained the school policy as to excess funds that is to be released to the student and that it is awarded amounts that are not given beyond cost of attendance and not loan amounts in which has different requirements. She explained that she doesnt know exactly what to tell me and she asked me what exactly am I asking for at this point. I explained to XXXX that I do not have enough funds to cover essential needs and rent for the remainder of the semester. XXXX apologized for my financial hardship and asked me was there anything else they havent considered in my budget that she can add in to try to release more of my private loan funds to me. I then explained everything, and XXXX stated that she will look at my file again and that the only thing I can do is submit more budget appeals for the upcoming semester. XXXX XXXX XXXX financial aid office is refusing to follow their financial aid policies and give me the correct financial assistance so I can afford basic living necessities through each semester by disbursing my excess Discover student loans to my account in which my apartment and other living expenses were based on the amount certified by the XXXX XXXX XXXX
05/29/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30064
Web
On XX/XX/XXXX I noticed that there were charges made by my XXXX year old son, on my XXXX XXXX XXXX, I contacted the credit card company and initiated a dispute that the charges were done without my consent. Attached is the initiation email from XXXX. The amount of the charges were around {$1200.00}. The dispute was resolved in my favor and the service rep recommended that I check any other credit cards that might been used with my sons online gaming system ( XXXX and XXXX ). One of the main reasons why the XXXX found in my favor was because, all the gaming systems, XXXX/XXXX, XXXX and XXXX require that a user have a credit card on file. At the time, there was no protection from a child purchasing items without a parent knowing that something was charged to their credit card until the parents credit card statement arrives in the mail. Based on the recommendation, I started to review my DiscoverCard statements and found that my son and his friend ( all about XXXX years ) charged {$1500.00} during the period of XX/XX/XXXX thru XX/XX/XXXX. I immediately contacted the two gaming companies, XXXX and XXXX and was told that since the transactions are more than 6 months old they would not issue a refund. I explained to both companys that I was not aware that the transactions occurred, since I pay the balance in full each month and always run with large balances. one of the game console representatives from XXXX suggested that I contact my credit card company and file a dispute. He said that is another way to get around the 6 month restriction. I further ask why there are/were any mechanisms in place to prevent a child from doing this type of unauthorized purchases. I explained to both to him that if I did not post and credit card on their site, then my son could not play online with his friends. The XXXX representative suggested that I purchase a debit card and that would limit my exposure. I respectfully told that suggestion does not resolve the issue. He indicated that they are working on pin code. I asked him to send me the link so that I can see if I am able to lock down the account. I contacted DiscoverCard where the charges were made and opened a dispute on XX/XX/XXXX. Despite presenting and providing the above information to the dispute department, they indicated that they would not reverse the charges. I appealed the decision to a manager who indicated that he agreed with the prior decision. I explained the issue was further compounded because DiscoverCard sent me two new cards due to their information being compromised on their system. The first notice that I received, via email, from DiscoverCard was on XX/XX/XXXX ( Copy Attached ) in it the statement was included : XXXX. Because your security is important. Your card information might have been part of a data breach that did not involve Discover card systems. To help keep your card information safe, we're sending you a new one. Your new card should arrive in an unmarked envelope within 3-7 days. 2. Breathe easy. As a reminder, you're never responsible for unauthorized purchases on your Discover card. So, you can keep using your current card until your new one arrives. Then, activate and sign your new card right away. 3. We've got you covered. We're monitoring your account 24/7 and we'll contact you if we spot anything unusual. But if you happen to see a purchase you don't recognize, just call XXXX to speak to a U.S.-based Fraud Specialist anytime. Prior to being issued the XXXX new card issuance, I had alerts set up that would have let me know if there was any suspicious charges. As an example : - My wife was in XXXX on a business trip, and I received a text notifying me that someone in XXXX was trying to purchase an item for {$79.00}. I called my wife, confirmed that she was at a department store, trying to purchase a pair of shoes. I responded via text to DiscoverCard a yes that I was aware and have approved the purchase. The transaction was approved on the spot. Which is a feature that I loved about DiscoverCard. I assume that everything that I had in place with my old card would transfer over such as purchases, statements and alert settings. On the credit card replacement, it clearly states that Discover would notify if they : " We've got you covered. We're monitoring your account 24/7 and we'll contact you if we spot anything unusual. '' Furthermore, the email states : " As a reminder, you're never responsible for unauthorized purchases on your Discover card. '' Subsequently, I received another email on XX/XX/XXXX indicating ( Copy Attached ) that my information may have been part of a data breach. The following message was included in the email : Your account information may have been compromised as part of an external data breach. No Discover owned or controlled systems were compromised by this incident. Because your security is important, we're replacing your card ( s ) to help keep your card information safe. You can keep using your current card until your new one arrives in about 3-7 days. Then activate and sign your new card immediately All old card ( s ) on your account will be deactivated once you activate your new one Your old card ( s ) will be automatically deactivated after XX/XX/XXXX. You're never responsible for unauthorized purchases on your DiscoverCard account Again, I assumed that everything was still the same as before. Even though I provided this information including their guarantees, the manager would not overturn the decision and was quite abrupt with me. I then contacted the DiscoverCards Office of Consumer Advocacy around the end of XX/XX/XXXX or perhaps early XXXX and spoke with XXXX XXXX. I provided the history of my dispute to her, including the two email replacement notices along with the guarantees. She in turn indicating that she would call me back within 10 days. After the 10-day period, I did not hear back from her and I called and left her a message to let me know the status of my complaint. On XX/XX/XXXX, I received an email from XXXX XXXX indicating that she has been out of the office and would call me. The following day I responded to her email and reminded her about the multiple replacement cards issued by DiscoverCard and again reminded her about the guarantees. I received a call from XXXX XXXX, indicating that she could not get management to agree to reverse the charges and credit my account. She asked if I could prove that the other credit card company indeed issued a credit and could I provide her with all the documentation. I provided the documentation on XX/XX/XXXX. Subsequently, On XX/XX/XXXX XXXX XXXX, called an informed me that she was not able to reverse the decision, despite the additional information. During our conversation, she concluded that perhaps the best way to address this issue if to file a fraud claim That same day, I received an email from XXXX XXXX recommending that I file a fraud claim. Therefore, I contacted the fraud department on XX/XX/XXXX, and explained the whole situation to the fraud specialist. The specialist indicated that she did not believe this was fraud because it was my son and that I had allowed the card to be posted. I asked that she open the case and that their customer Advocacy representative recommended that I file the claim. The fraud specialist indicated that she is not part of their department and can not speak for the fraud department. Subsequently, the fraud unit declined my claim because I posted the credit card on the game site. I have repeatedly, requested that they provide me with an explanation that states if a person post there card to any site, all unauthorized transactions will not be covered. The fraud specialist indicated that in those cases they would cover the charges. I asked respectfully, why is this any different? I have not received and explanation just a denial. Even though my XXXX year old son or his friends made the charges that I did not authorize, i have been unsuccessful in getting them to reverse the charges. On a personal note, my wife and I have been with Discover since the early eighties and have run on an annual basis through the DiscoverCard over {$70000.00} in annual charges. We both have FICO scores around XXXX ( perfect being XXXX ). We believe in pay our obligations.
04/20/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • IL
  • 606XX
Web
Dear CFPB : Please find my Complaint against Discover for false claims of debt collection and demand for disclosures of the following information, as required under FDCPA and other laws. This is not a refusal to pay, but a demand for validation of debt if any ; and demand for disgorgement and refund of illegally collected from me profits, and pay me 20 % of revenues obtained from trades backed by my identity without my knowledge and consent. I dispute account XXXX with Discover and demand compensation for damages. On XX/XX/XXXX I received unsigned letter from someone on Discover 's letterhead while it is likely was prepared by a separate fintech company and mailed by someone else. The letter lacks any names of Discover employees ; or address of the office where I can call and talk to these employees ; or any evidence that Discover was the creditor. According to Discover, it was the original creditor and had not sold the account. Which is partially true since nobody sell any loans to anyone, only information about loans. My demands to produce me a copy of my original Agreement with Discover, as recorded as an asset on Discovers Account receivable was ignored. Instead, Discvover referred to billing statements which are not evidence of any debt since it is hearsay and it is not clear who actually issued and sent me these billing statements ; and under which authority. I demand Discover to make following disclosures : 1. Provide me copy of my original Contract ( application for the credit card ) and proof that it was recorded on Discover account receivable as an asset. 2. Disclose if this credit card was funded via securitization ( which apply to 100 % of all installment contracts ) 3. Show me where securitization clause was disclosed to me in this Contract,. 4. Copy of the account receivable for this credit card, which show it from the origination on XX/XX/XXXX, with all disbursements to me and all deposits from me. 5. Provide me full name and contact information for Discover employee who sent me letter on XX/XX/XXXX, so I can contact this person directly and discuss my questions. I have reasons to believe that the presumed debt is extinguished in the process of securitization, and Discover ( or whomever sends me letters on their stationary ) claims to administer, collect or enforce an alleged debt when it does not exist. In nutshell, there is no debt because none was intended by the counterparty to my agreement, who was not who I thought it was. Put simply, if there is no Claimant and there is no claim at all, why must I pay to someone who can not even provide me names of their responsible employees whom I can contact for explanations? On XX/XX/XXXX I entered into a transaction which appeared to be a lending contract purportedly with Discover who offered credit cards via online advertisement. In fact, I do not know who was my counterparty since I never communicated with any Discover employee ; and never received back my signed copy of the Contract as it is recorded on Discovers account receivable as their asset. I learned from securities experts that XXXX XXXX XXXX secretly entered lending marketplace and changed it from legal to completely illegal, to generate enormous revenues from speculative trades, under glimpse of false securitization which are backed by information about transactions with customers, commonly known as identity theft ; unjust enrichment. Since the beginning of this century, the initial transaction with customers was the product of multiple layers of paperwork, most of which were neither identified nor accessed by consumers or their professional advisers. About 100 % of all so-called installment contracts are funded via securitization where large Investment Banks borrow money from outside sources ( for example, XXXX XXXX XXXX to purchase from customers security instruments promissory Notes ( promises to repay debt ) which generates enormous profits to the Banks, without disclosing nature of these transactions with customers and without sharing any profits which customers whose information is used to back indefinite sales of bets ( derivatives ) to investors. Worse, Banks mislead customers about the real nature of their transactions sales of securities based on customers identities to induce them to return the only compensation for customers ' financial services which is commonly known as involuntary servitude and theft of wages. From my perspective, I asked for a loan, and I was given false paperwork for me to read and sign. From the perspective of the disclosed counterparty to my transaction, the originator selling the transaction which was used as a basic for securitization masqueraded as a loan. The funding for my transaction was an elaborate scheme unto itself. Once the paperwork was completed by the investment bank, the investment bank borrows the amount of money needed to pay customers at or near the time of credit cards are issued. The loan from, for example, XXXX XXXX, is collateralized by the impending sale of certificates to investors. The certificates do NOT represent any status as a creditor to whom the customers payments set forth on the Agreement are payable. The sale of the certificates pays back the loan to XXXX XXXX, plus a fairly large ( e.g. 30 % ) profit partly directly arising from a yield spread premium ( the difference between the amount of money paid by investors for unsecured IOUs from the investment bank and the amount paid to customers. Additional money is generated as the proceeds or revenue of either sale of the additional derivatives securities created and issued by the investment bank. Contemporaneously with the origination of the transaction, several things are happening. In broad strokes, they are divided into the money trail and the paper trail. In the paper trail, none of the documents correctly identify or describe a transaction much less memorialize any transaction. Because everyone has received all the money they intended from participation in the securitization scheme the essential ingredient of a loan account receivable is eliminated thereby making nobody the lender. Simply stated, since there isnt anyone who maintains any record on the accounting ledger of an account receivable owed by me, there is no creditor. Nonetheless, in order for the securitization scheme to work ( justifying more sales of certificates and other derivatives to investors ), it must appear as though an underlying obligation is created, owed to a specifically named lender. When the origination cycle is complete, the status of the transaction is that there is no counterparty who has a stake in the viability or success of that transaction because nobody loses money if the customer does not make a scheduled payment that is simply not due to anyone. The absence of a lender and all that entails under law means there is no loan. The finance side of the transaction knows this but sets out to create a false paper trail to make it seem like this is a standard credit card loan. The financial community in coordination with lawyers willing to play the game used strategies and tactics to not only make it appear that the transaction was a loan but to actually have the court presume that the transaction was a loan and that the complaining party has hired counsel to seek a remedy. The status of such claims is always this : there is no obligation, loan account, or other claims for money allegedly due from the customer. The primary tactic utilized by the financial community is the volume of paperwork [ here : billing statements coming from unknown to me source. ] The thicker the pile of paperwork the more likely it is that a customer will conclude that the transaction was real as a loan. And that is why we witnessed the birth of a major industry creating false, fabricated, backdated documentation making it appear that several brand name institutions were funding, trading, purchasing, and selling the loans. In reality, no such transactions existed, but the paperwork said the transactions had occurred. My situation is certainly closely aligned with the typical playbook of strategies and tactics
06/15/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48104
Web
Around XXXX XX/XX/XXXX, I accepted an offer from Discover Card via their website to have my interest rate reduced. My understanding was that my interest rate would be reduced for a period of twelve ( 12 ) calendar months beginning XXXX XX/XX/XXXX and ending XXXX XX/XX/XXXX. As a condition of the agreement, it was my understanding that I needed to bring my account current and make an immediate payment. I made the payment amount as scheduled per the attached payment schedule. I believed that my payment due dates were now modified per the agreement such that they would now be due at the end of each month. My account was current as of XXXX XX/XX/XXXX and my understanding per the one-page enrollment confirmation I received was that I needed to have money in the account by the due date. I believed that the due date was no commensurate with the pre-scheduled payments. Around XXXX XX/XX/XXXX Discover attempted to make an ACH debit in line with the attached schedule. The debit was declined by my banking institution on XXXX XX/XX/XXXX. I would not become aware of the issue until Discover reported adverse credit history marking my XX/XX/XXXX payment thirty ( 30 ) days past-due. Around the beginning of XX/XX/XXXX I contacted Discover and explained the situation to the customer service representative. He responded by telling me that he wished I would have entered into the interest rate reduction on the phone rather than online. Because the scheduled payment dates per the attached were not actually the due dates for my account, and that my payments we still due at the beginning of each month. What he additionally explained is that the interest rate is apparently reduced by increasing the amount of the first payments due on the payment schedule, effectively spreading a single estimated payment over multiple other payments. He then admitted that the system can sometimes assign a date at random that is not commensurate with the due date, but that when entering into the program over the phone, that option doesn't always exist. I explained to him that the practice seemed predatory and if as an XXXX with advanced degrees I was fooled by the quantitative manipulation, I could imagine that others would be as well. I asked to be transferred to a supervisor and he obliged. The supervisor I spoke with identified herself as XXXX. My understanding was that I was speaking to her on a recorded line. I explained to her what my experience had been and how I was blindsided by the adverse credit history given the payment schedule. My payment was due XXXX XX/XX/XXXX and was returned XXXX XX/XX/XXXX -- it was therefore factually inaccurate to report my account as being thirty ( 30 ) days past-due. I further explained to XXXX that I was a XXXX XXXX and as such I am required to dispute any factual inaccuracies within my credit files with the CRAs. I told her that it I would rather solve the matter with Discover Card, than resort to disputing thru the CRAs. I explained that I had no idea that the due date of my payment was entirely different than the scheduled payment date and cited the payment schedule and letter I'd received regarding the modified payment schedule. I cited the prior representative I'd spoken with and his explanation that enrolling in the program thru the website didn't make what was going on clear. XXXX became defensive. She began yelling over and over again about how she and Discover Card would continue reporting the adverse credit history to the CRAs and that I was in violation of my card agreement. I tried to explain again how what I was being told by her didn't make sense. She continued to yell. I told her that if we couldn't resolve the matter I WOULD REPORT THE INCIDENT TO THE CFPB. She reiterated that she didn't care about whom I filed a complaint with, she'd ensure the history continued to be reported. I then asked XXXX to transfer me to another supervisor that would be able to assist me further -- she refused, stating that " Discover Card internal policy would not allow her to transfer me to another supervisor ''. I asked again to be transferred to another supervisor and stated that I would be filing a complaint. XXXX again refused to transfer me to another supervisor. I informed her that I would be disconnecting the line and calling back XXXX continued to use every tactic possible to keep me on the line, berating me for being alleged violation of the card agreement. She continued to yell into the pone telling me that I could file a complaint against her all I wanted to and that Discover Card would continue to report the adverse credit history. I disconnected the line with her still yelling and me continuing to say " good-bye, ma'am. '' I called back within half an hour later. I explained to the representative what had just happened and additionally that I have never been treated so poorly by Discover Card in the fifteen ( 15 ) years I've held a card. This representative apologized for the ordeal, stated that she would take my complaint against XXXX and file it. She stated that I could be transferred upstairs to speak with a supervisor again. She stated that she didn't know why given the issues with enrollment within the program I was speaking of, and it being an issue card holders have raised before, that XXXX and I couldn't reach an agreement. She did offer at her level to apply a one-hundred dollars statement credit for my trouble. I declined, indicating my concern that such an offer would constitute satisfaction and accord with my ultimate concern being the adverse credit history. Ultimately I told the representative that I wasn't even sure I'd be keeping a credit card with the Card side of Discover Bank because of the interaction. I thanked the representative and disconnected the line. Around a month later I called Discover to inquire about the status of the complaint I'd filed. The representative stated that she could see where a complained had been filed against XXXX on my behalf. I additionally explained to the representative about the underlying issue and she too stated that I was not the only one to complain about the program. I requested that a supervisor contact me regarding my experience. The representative update the information and acknowledged my request for a call back regarding the issue with XXXX. Six months later I have yet to receive a call from Discover regarding either my underlying concern or experience with XXXX. Discover Card touts its standing as the credit card issuer " Ranked Highest in Customer Satisfaction with Credit Card Companies as reported by XXXX. XXXX. '' Furthermore, in its prior advertising campaigns it touted its customer service in that " it treats me like I treat me. '' Let me clear in that no card holder should be treated like I was treated by XXXX. Furthermore, as a customer service supervisor I would not treat a long-time card holder in such a disrespectful manner. Lastly, given the issues that Discover Card apparently has with the APR reduction program, I would offer to remove the adverse payment history. Per the attached statements, the adverse history reported to the CRAs is inaccurate. The payment at the time was four ( 4 ) days late according to the payment schedule -- not thirty ( 30 ). If individuals like XXXX are whom Discover intends to keep around as supervisors to handle their customer service, especially with long-time customers, they might find customers leaving in droves -- it's happened with other banking institutions that use similar tactics, while purporting an understanding of what it means to serve. Whether in a personal or business sense, I know how I'd treat me with respect to the ordeal with XXXX, and with the broader APR reduction program and adverse credit reporting -- It would not be how I was treated by Discover Card. Finally, from a business standpoint, I would not allow someone such as XXXX to continue to work for Discover Card, or any of its affiliates such as Discover Bank, since that business involves branding that is in stark contrast to XXXX 's poor behavior -- she's bad for business.
04/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 34759
Web Older American
The CFPB inadvertently closed my 1st complaint # XXXX on XX/XX/XXXX. I am re-submitting it below because I had not previously filed a complaint with you against Discover Bank so I would appreciate it if you review and investigate this matter. __________________________________________________________________________________________________________________________________________ We are compelled to file a complaint against Discover Bank for refusing to provide us with relevant information regarding the processing of a {$30000.00} wire transfer on XX/XX/2023 without our authority and without authenticating the transfer with us. They also refuse to refund the funds despite providing us with no information to verify why they processed the unauthorized wire in the first place. The funds were transferred from our Discover checking account which Discover Bank has now closed due to the report of the fraudulent wire transfer. Despite numerous written and oral requests, they refuse to refund the {$30000.00}, refuse to provide by mail, fax, email, or on our secured online account any information regarding the wire transfer, their claimed recall of the wire, or their claimed investigation. They refuse to provide us with any of this information when we are on telephone calls with them, also. In fact, after a month and half of repeated oral and written demands and requests for any and all information regarding the transfer so that we, the FBI, and the local police can investigate and attempt to get the money back from the fraudsters that somehow convinced Discover to wire them this large amount of money, we have received literally no information, other than the wire went to a XXXX XXXX XXXX We dont even know if this is accurate because Discover refuses to provide us with the alleged wire transfer form that they claimed XXXX XXXX signed, which would include the name of the person and their account number, bank location, and other information for us to start an investigation. We even contacted XXXX XXXXXXXX XXXX for information, and they also refuse to discuss it with us for privacy reasons and notified us to contact our own Bank who sent the transfer ( Discover, who refuses to cooperate with our requests ). Discover also claims that XXXX verbally consented to the transfer and gave answers to her challenge questions, which she did not do because she never spoke to Discover prior to the wire transfer. We have asked for proof of that claim also, such as audio files of the conversation they claim to have had with her, but they have also refused to provide us with that information, prompting us to believe they do not have proof of any of their alleged claims. We understand that UCC Article 4A applies to our dispute and not Regulation E, because it is a wire transfer. However, since we did not authorize this wire transfer, and there was no agreed upon security procedure, Discover is required to refund us the full amount of the unauthorized {$30000.00} wire transfer. They refuse to do so, violating the applicable sections of UCC Article 4A that were adopted by and applies to both Delaware and Florida law, which would be relevant to this legal controversy. We demand that they acknowledge that now and refund our money, with interest, as is required by the UCC regulations, since they will not provide us with any information to dispute our claims and we are not millionaires who can simply allow {$30000.00} to disappear without a fight to get it back. XXXX has a XXXX. XXXX XXXX and has numerous relationships with attorneys who are willing to further assist and consult with her in her preparation for litigation without charge. Regardless, we truly hope to promptly resolve this issue without filing a lawsuit, which of course would cost Discover much more than the disputed {$30000.00} because of legal fees, but cost us nothing other than our time and the filing fee. Every time we have called, we are transferred over and over again to different departments and no one gives us any information and will not confirm that we will receive any information as requested. We never are given anyone in authority ( a higher manager or an attorney in their legal department ) to speak with, and everyone claims to either not have any further information to give us, or refuse to give us specific information because the investigation is not completed. We have requested that a knowledgeable supervisor or attorney contact us to discuss the issue who has authority to provide this urgent information. We have also sent documentation directly on the online document upload portal and faxed the same to the legal department of Discover. No one has ever contacted us as requested and we have been provided with nothing. This refusal to provide us information for over a month and a half, that we contend we have a right to obtain in order to protect our own legal rights to try to recoup our funds, has greatly hindered our ability to investigate and track down the money and these fraudsters who should be brought to justice. We and the FBI needs the alleged wire transfer request form with the claimed signature of XXXX, the audio files purportedly confirming the wire, and all other information related to all of Discovers actions regarding the processing, recall, and investigation regarding this wire transfer, or we and the FBI are blocked by Discovers refusal to provide this information to us in doing anything in our own defense against such fraudulent actions. They promised us on the phone and in writing that Discover has and will recall the wire transfers, and not to worry about that, and that we will not be held liable for the fraudulent wire transfer under XXXX fraud guarantee. However, they refuse to refund the {$30000.00} and refuse to give us a timetable for doing such or completing their purported investigation. Since they have provided absolutely no evidence whatsoever of a wire transfer form request, verbal authorization or authentication, or any other proof to show why they, without authorization or authentication, would send such a huge amount of money by wire that we can not afford to lose, we think they have had more than enough time to refund our money without any further delay. This situation is a travesty against Florida senior citizens living on a fixed income who do not deserve such deceptive and unfair treatment. We have health and mobility problems which prevent us from working. We are being abused and taken advantage of because they do not think we will proceed with regulatory complaints or court action despite our notification to them that we would proceed with our complaints if they didnt provide us with the requested information or refund our money. Discover is clearly attempting to hide the evidence of their negligence and failure to secure our bank accounts from unauthorized wire transfers. However, we believe we have the right to be provided with all the information that only Discover can provide us so that we can attempt, on our own, or with the FBIs or polices help, to try to track down the fraudsters and our funds. After the way we have been treated by Discover and their secretive ways, we do not trust that they have even recalled the wire transfer or have conducted any investigation whatsoever to assist us. In fact, the only investigation that they are doing appears to be to protect their own legal interests, which is why they refuse to give us any information whatsoever that could be used against them in litigation. That is a typical legal tactic to prevent adversaries from using their failings against them. We request the immediate refund of the unauthorized, unauthenticated wire transfer, as well as the information, documentation, and files requested regarding the wire transfer. We hope that your agency can assist in helping vulnerable senior citizens with these financially damaging issues that Discover Bank has refused to address or rectify, nor refund our funds despite their direct promises of a definitive wire recall and fraud guarantee, to our severe and harmful detriment.
10/25/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32114
Web Older American
Discover Credit Card changed contact law and did not non disclosure changes within a contract without consent never had a credit card named XXXXXXXX XXXX claim was disputed and validation was requested. This XXXX XXXXXXXX XXXX XXXX contract with this company. violations '' '' This Agreement governed by, construed and enforced in ... or relating to this Agreement and agree not to commence any such lawsuit, action or other ... quotation marks omitted ] ) in the absence of " some violation of law or ... " CPLR 202 is a reenactment, without substantive change, of section 13 of State or local laws held to be preempted by federal law are void not because ... in a prior enactment conveying certain lands violated the Contracts Clause ( Art. I, 10 ). 4. ... .. held to violate of Art I, 10, prohibiting levy without consent of Congress XXXX ... ... with the result that rights to consequential damages for a change of street ... Florida contact law right of due process was violated statutory, regulatory, and contractual requirements are not automatically ... for payment or approval to the Federal Government, 31 U. S. C. 3729 ( a ) ( 1 ) ( A ).. Licensees shall not engage in any of the following unfair trade practices :. statutory, regulatory, and contractual requirements are not automatically ... for payment or approval to the Federal Government, 31 U. S. C. 3729 ( a ) ( 1 ) ( A ). ... The First Circuit reversed in relevant part, holding that every ... that the nondisclosure of legal violations is not actionable absent a special duty violated the change issued findings in the agreement but did not do so with consent of disclosure violations identify any changes in Nondisclosure Violations in a Contract Claim. XXXX XXXX XXXX operating without a valid business proceeding is an assertion of a cause of action.individual who does not have a direct connection with a legal transaction but affected by accuracy, compliance, it. As third-party beneficiary is an individual for whose benefit a contract is created even though that person is a stranger to both the agreement and the consideration. Such an individual can usually. victim of improper third party disclosures by a debt collector. In appropriate cases, we sue debt collectors and debt collection law firms in Federal District Court for violations of the FDCPA.Violating Confidentiality Agreements. Confidentiality agreements ( also called non-disclosure agreements, or NDAs ) are common in many different contexts, including litigation settlements, business transactions, employment contracts and intellectual property. Violating a contract, agreement, changes, without consent is a violation of any contract non disclosure violations in a contract claim that i didn't know existed. The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). permission to release the specified information to the third party as shown below. Please note that various federal and state laws require that CPAs obtain the clients written permission in order to HIPAA privacy rules as well, Business Associates and Business Associate Subcontractors. These third party entities are responsible for protecting PHI and, with the Common Agency Provision in the HIPAA Omnibus Ruling, you are now responsible for your Business Associates HIPAA Compliance. Ask to see their Compliance Plans before allow them to sign those required Business Associate Agreements, dIdnt have a Business Associate Agreement in place before disclose information, you have a Breach Besides, 1 violations are the most serious conduct warranting disciplinary action including failure to comply with administrative procedures, protocols, I have never had an agreement with this credit card company named XXXX XXXX nor ANY contract associated with this Bank company. XXXX XXXX XXXX Refuse to provide third-party litigation financing agreements, but when the committee first addressed the issue at its Entity Name Officer/Registered Agent Registered Agent Name Trademark Name Trademark Owner Name FEI/EIN it noted that the field was evolving and chose not to act. to validate their business and any 3rd party contract with the account that they filed in the XXXX County Circuit Court are subject of complaint ; personal credit card Non-party disclosure Related ContentIn the context of civil litigation, disclosure of documents from a third party who is not involved in the proceedings. A party seeking an order for non-party disclosure will make an application under Civil Procedure Rule ( CPR ) 31.17. The court only has jurisdiction to order non-party disclosure where the documents sought such as DATA BREACH XXXX, IDENTY FRAUD MORTGAGE, CREDIT CARD FRAUD my accounts, have been the victim of improper third party disclosures by a debt collector. In appropriate cases, we sue debt collectors and debt collection law firms in Federal District Court for violations of the FDCPA. It was never disclosed to me that I had a XXXXXXXX XXXX Credit Card provider of private label credit cards in the International Company purchase patterns. I would never agree to platforms of an international credit card. Breach of any contract i never signed up for. Information used by sent by servers and their office employee 's and court personnel. Refused to identify in the course of a proceeding, or the Department of Justice ; behavior that antitrust laws prohibit discrimination in prices charged to competing purchasers for products of like grade and quality. Its purpose is to protect smaller businesses by limiting the large company 's ability to command discriminatory discounts through its purchasing power.An antitrust lawsuit can be started when a company is to have engaged in unfair business practices.Stolen Devices, Improper, Third Party without contract agreement data disclosure. Confidential impartial No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). with third parties as necessary to get information relevant to resolving a complaint ; with a court, a party in litigation, a magistrate, an adjudicative body or administrative tribunal my request on a valid business license and a release of Anti Trust elating to legislation preventing or controlling trusts or other monopolies, with the intention of promoting competition in business. with other federal or state agencies or regulatory authorities for enforcement and statutory purposes ; and antitrust violation is collusion. For example, three companies manufacture and sell widgets. DAMAGED, Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). They charge {$1000.00}. Exposure HIPPA with contractors, agents, and others authorized by the CFPB to receive this information, bringing a lawsuit to court, by filing a plea. or which the bank had NO LEGAL RIGHT to Getting evidence from third parties Sherman Antitrust makes monopoly power illegal. Under the Sherman Act monopoly power is considered the ability of a business to control a price within its relevant product market or its geographic market or to exclude a competitor from doing business within its relevant product market or geographic market. Detail By Document Number Zip Code Street Address
07/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92612
Web Servicemember
Dear cfpb This is my second letter to FTCB regarding the fraud account that was opened and also the research that was considered by the Associates of Discover bank AND XXXX XXXX ) executive office ) I have received a letter from Discover stating the reasoning I am liable for the fraud account and I would like to address some of the concerns that was put on the letter. For records I have attached the record with my FTCB complaint, this letter is also being transferred to the 3 credit bureaus, with affidavit of fraud notarized and signature of law enforcement officer are also obtained on the affidavits. I spoke to Ms. XXXX XXXX on XXXX XXXX, this was after I have called her office 3 times and left 3 voice messages, then I had to speak to some other gentleman to whom I demanded to speak to XXXX XXXX because she would not call me back and the letter clearly stated to call if any questions. I demanded Executive office to have XXXX XXXX call me back or I will file another complaint. When I spoke to Ms XXXX XXXX her reasoning behind making me liable for the fraud account was very vague and had no solid backing or evidence. She told me that she needed more information about the case, so far I have provided the office with my passport stamped with TSA rubberstamps stating I have left USA during the time when the account was opened, I offered XXXX XXXX my passport via certified mail because she can verify the TSA stamps stating that I have left USA, and also the immigration stamps when I arrived in XXXX, AND also when I left XXXX. Ms. XXXX XXXX chuckled ( mimicked ) at me stating that she does not require my passport as she already has the photocopies I have sent to her. Until now I have spent over {$40.00} in fax money at XXXX, only to be told by discover they will look over the evidence and let me know in 30 days Discover and its associates are not taking my evidence into consideration, I also offered XXXX XXXX to make a 3 way call to the officer assigned to my fraud case, again I heard an chuckle like she is mocking or mimicking me. Her attitude on the phone was very impolite and un-professional. I am asking for help and all she tells me to send more documents so they can look at it. Discovers associates has made me waste over {$40.00} in fax documents that I have sent, only to be overlooked and not to be taken into consideration regarding my fraud case. I really wanted to talk to Ms. XXXX XXXX and the officer of the law working on my case Lt. XXXX of the XXXX Police Department I also XXXX XXXX copies of fraud testament from my bank, that my account was compromised and used to make payments on the fraud account, AGAIN MS XXXX XXXX IS MOCKING AND MIMICKING ME. My XXXX XXXX XXXX confirmed fraud and has issued me new checking account numbers I believe that the investigation that was done by discover was very ONE-SIDED, with my evidence not being taken into consideration. I have send discover affidavits from the IRS that my tax documents were compromised to open to the fraud account. Following are the questions XXXX XXXX stated on the paper, and I believe is wrong because the team of Discover and herself have made up their mind that I opened the fraud account, even after providing sufficient evidence, they keep telling me to send more so I can waste even more money Ms XXXX XXXX stated that around XXXX she received documents to help open the account, those documents were locked inside my room, XXXX XXXX barged into my room and stole my documents to open the fraud account with Discover About the XXXX XXXX transaction I have never in the country so I had no idea about the transaction, BUT I DID CALL XXXX TO VERIFY IF AN ORDER WAS RECEIVED HERE ON THAT DAY OF XXXX XXXX. I HAVE WRITTEN TESTAMENT FROM THE DRIVER THAT MY ROOMATE XXXX XXXX HAS SIGNED THE PACAKAGE, I TOLD THIS INFORMATION TO DISCOVER ASSOCIATES AND XXXX XXXX, AGAINT THEY OVERLOOKED THE INFORMATION, THEY HAVE MADE UP THEIR MIND PRE-JUDGEMENTAL THAT I OPENED THE FRAUD ACCONT. WHAT IS NOT RIGHT is that discover backs up their customer with 100 % fraud help. I have XXXX drive testament that the package was delivered to my roommate XXXX XXXX. XXXX PD report says printed date of XX/XX/XXXX because that is the day when the forms were executed to be standardized for all police reports for the fiscal year of XXXX. This information can be verified with XXXX PD dispatch. AGAIN, I OFFERED XXXX XXXX TO MAKE AN 3 WAY WITH THE INVESTIGATING OFFICER. SHE REFUSED. I NEED REASONING WHY BECAUSE THE ACCOUNT IS FRAUD AND U ARE MAKING ME LIABLE It was also said that I said 2 different boarding passes, and that is because my flight was canceled. I used my email to receive all information and at that time, my desktop computer in my room was again COMPROMISED, when I came back to the USA my computer was missing altogether, there was nothing here, missing computer was reported in the police report summary and also told to discover associated. I TOLD DISCOVER THAT MY COMPUTER WAS STOLEN AND MY EMAIL WAS HACKED. The kp ACCOUNT that was used to email the documents was again hacked because that is my work email, and my account can be accessed through my computer. My roommate stole my desktop and had access to many of my documents and banking websites. I even had to incur fraud tax reports for the year of XXXX According to the letter it states that within 3 minutes of credit card being activated and fraud transaction with XXXX was made, this is an exact indication of fraud, AS I WOULD NEVER PURCHASE SOMETHING 3 MINUTES AFTER OPENING THE ACCOUNT AND CAUSING MY SELF DEBT I CAN NOT AFFORD. I RECENTLY LOST MY MOTHER, AND I CAN NOT AFFORD JEWELERY. Again XXXX driver confirmed and I have written testament that I was not here the day of XXXX XXXX WHEN DISCOVER STATES THE ITEMS WAS DELIVERED My XXXX phone was also locked in my room, since in XXXX I can not afford roaming. I send letters to discover showing that my sprint phone had been hacked, there were several numerous applications that were downloaded and I was left with an immense bill of {$980.00}. THE XXXX INFORMATION WITH MY MOBILE PHONE NUMBER NOTED WAS PROVIDED TO DISCOVER SHOWING IDENTITY THEFT AND COMPROMISED, IT WAS STILL OVERLOOKED. At XXXX XXXX my roommate had possession of the phone, and IN NO WAY I WILL BE XXXX TO WRITE MY PHONE NUMBER ON THE CFPB REPORT IF I KNOW I DID THE CHARGE, THAT I XXXX, I TOLD YOUR ASSOCIATES MY PHONE WAS STOLEN FROM THE FIRST DAY, STILL YOU GUYS DONT TAKE IT INTO CONSIDERATION. AGAIN I CAN PROVIDE AGAIN FRAUD AFFADAVITS FROM MY XXXX ACCOUNT CONFIRMING FRAUD XXXX XXXX XXXX account was made to make fraud credits to the discover account. I FILED AN FRAUD AFFADAVIT WITH XXXX XXXX XXXX, AND THEY APPROVED MY CLAIM. I OFFERED TO PROVIDE THIS INFORMATION TO XXXX XXXX BUT SHE DID NOT SAY ANYTHING. The investigation that has occurred with discover and its associates is beyond an nightmare, after leaving to XXXX because my mother was sick and my arrival back to the US to find that my roommate has stolen my belongings and credit it was very dis-heartening. I have provided a lot of evidence to discover only to be not taken into consideration, being mocked and laughed by customer care and not being taken serious. I will send these documents and notarized affidavits signed in front of law enforcement to the three credit bureaus. In no way under XXXX I will pay for fraud account, this is an major violation of my personal information and the rights under California fair credit reporting. Discover has failed to take my evidence into consideration making me liable for the fraud account, I am willing to hire an attorney and all court costs to take discover to court. i WILL SEND ALL NOTARIZED FRAUD AFFADAVITS TO THE 3 CREDIT REPORTING AGENCIES WHICH ARE ALSO SIGNED BY LAW ENFORECEMENT. I HAVE ALSO SINCE MOVED TO AN NEW ADDRESS WHERE DISCOVER SEND ME LETTERS ; I MOVED FROM XXXX XXXX SINCE THE FRAUD OCCURRED BECAUSE I AM SCARED OF MY LIFE FROM MY ROOMATE Sincerely, XXXX XXXX XXXX. XXXX
01/26/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • 94025
Web
1. I received an offer for a personal loan from Discover via email on XX/XX/XXXX. It read " Congratulations XXX. Because you've successfully paid off a previous Discover personal loan, you're eligible for this special opportunity to apply for a new loan up to {$35000.00}. '' Personal Invitation ID # XXXX ... 2. Same message as above on XX/XX/XXXX via an email. XXXX XXXX ID # XXXX .... Offer expiration listed at XX/XX/XXXX. 3. I also received mail offers from Discover during these times. 4. Given the bombardment, my strong credit profile ( >815 ), high income and my desire for a purchase, I decided to check my rate. 5. I checked my rate on XX/XX/XXXX based on the Personal Invitation ID #. I was offered decent rates for {$35000.00}. 6. I received an email on XXXX PST on XX/XX/XXXX stating : " Thank you for your recent interest in a Discover Personal Loan - we're interested in you too! Now that you've seen the rate, you can continue the process by clicking here. ... ''. Application Reference ID : XXXX 7. Email from Discover Personal Loans at XXXX on XX/XX/XXXX stating " Congratulations, XXXX! Lock in your $ XXXX personal loan by XX/XX/XXXX ''. 8. Additional email from Discover at XXXX on XX/XX/XXXX, stating " We appreciate your business. XXXX, as a valued, previous Discover Personal Loans customer, we want to show our appreciation by extending an exclusive invitation to apply for a new loan. Get up to $ XXXX. '' Offer expiration XX/XX/XXXX. 9. On XX/XX/XXXX I decided to move forward with a Hard Inquiry. Subsequently, I received an email from Discover Bank with subject " Discover Loan Application Receipt Confirmation '' at XXXX on XX/XX/XXXX stating : " Thank you for your recent application for a Discover Personal Loan. Your online submission was successful. We have good news for you! Based on the information you provided you may be approved for a loan pending a review ... ''. Application reference ID : XXXX 10. From that moment on, I received 4 additional emails from Discover Bank from XX/XX/XXXX to XX/XX/XXXX with subject lines " Discover Personal Loan - Next steps ''. Dates were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The emails were stating ( and that's an important piece of information ) : " You're almost finished with the loan application process! We need to obtain the disbursement details of where you would like us to send the proceeds of your loan. We can send funds to you or directly to your creditors in as little as one business day after you accept the loan. For your convenience, you can visit our online portal to provide your disbursement details by clicking ( link to portal ). '' 11. Please note the link pointed to a portal that required me to enter my bank information where I'd like the loan to be disbursed. The impression from both the emails and the portal was that I'd been approved and that entering this information would allow the bank to directly send the funds over. 12. On XX/XX/XXXX, I decided to proceed and get my funds for an already approved loan with a Hard Inquiry on my credit profile. I provided my bank information in the portal. It asked me to provide a repayment option, which I thought as the final step towards disbursement. 13. Surprising, the portal led me to another place that now required an additional step for " Additional Income Verification ''. I was shocked that it required such a step after the fact and after the bank had misled me to believe that I had been approved and had just to provide my bank details to loan disbursement. Instead, it stated " Upload requested documents '' with the message underneath " Provide additional documents to verify information in your application. '' The portal only requested a copy of my pay stub within the last 30 days. Even though I was unpleasantly surprised, I said " Ok, let 's provide this highly personal information as a last step '' and uploaded my pay stub document. 14. Then, the portal stated " Items remaining for Discover to complete '' and listed " Verifying documents We will verify your documents once received. You may either check on the status of your application by logging back into this page or contacting us for an update. ". 15. Underneath, it stated " Items remaining for you to complete '' and listed " Review and accept loan You will be able to accept the loan once documents have been verified. '' 16. Points 13. ), 14. ) and 15. ) from above provided the clear understanding that once the income verification information via the uploaded pay stub was finalized, the next step would be for me to review and accept the loan. Even though that was not the original expectation, I decided to accept it, proceed and then logged out of the portal. 17. I did not receive any email or information on XX/XX/XXXX. In the evening, I decided to log into the portal to check what was going on. When I logged in, I was shocked! Now there was another field that was not only requesting Bank Statements, but it was requested such from the last 3 months! In short, the bank wanted me to upload 3 bank statements from the last 3 months to continue with my loan " disbursement ''! 18. At this point, it looked like a bait and switch practice. 19. At this point, I felt frustrated and mislead. 20. At this point, I realized Discover Bank had been lying to me since XX/XX/XXXX when I received the first promotional pre-approval email for a personal loan. 21. As a customer who has received multiple Personal Loans over the last 17 years, I've NEVER been required to provide bank statements. Let alone 3 bank statements! Let alone when my credit profile & income & paying history is exceptional by all standards! Let alone when I was a Personal Loan customer of Discover in the past 2-4 years AND bank statements were not required when I was approved for $ XXXX back then. 22. I called customer service to speak with a Loan Specialist to inquiry about that. The agent was dismissive and patronizing and told me that I had just to provide 3 bank statements to proceed. Full stop. No flexibility, no explanation as to why. When confronted with the fact that information was not given to me a ) ever, b ) in emails and c ) the previous day when I uploaded my pay stub document, he wasn't able to answer. I requested a supervisor. 23. The supervisor was patronizing and condescending, was not answering the concrete questions, had zero customer satisfaction demeanor, made multiple claims by repeating the same phrases about policies over and over again and didn't provide any assistance and explanation as to why they misled me at least 3 times and why they all of the sudden required bank statements. 24. I asked why the requirement for bank statements was not provided the day before when I provided my pay stub. She was not able to answer that question and tried to repeat the same phrases that it's their policy to request new information. I told her that had I known that I'd keep to be providing more and more unnecessary documentation, I'd have not proceeded with the loan and specifically revealed personal financial information such as my pay stub. I asked her to tell me if they were to require new documentation the next day so I could be prepared. She didn't answer. In short, they changed the rules of the game during the game, misled me and employed after-the-fact rules. 25. I requested to speak with their manager. She refused to connect me. She told me I was manipulating her words when in fact Discover manipulated me to believe that I'd been approved for a personal loan and had provided everything required and had just to give my bank account to have the loan disbursed! Discover manipulated me to believe that my loan was " right there '' since I'd been approved ( with Hard Inquiry ), but instead they kept requesting new and new documentation after each day! 26. Then, she hung up on me. I consider this an absolutely disgraceful practice falling within the bait and switch scheme, which is illegal.
11/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30058
Web
My identity was stolen and the financial transaction was done by online and by email, not in person! I never opened any credit card with discover. This was done all electronically and by falsely intercepting mail from a bogus address. Also the identification used in this transaction was fake. I have a Georgia identification. Not a Florida in which I can provide as an attachment to this complaint. I will be suing discover if this fraudulent account is not removed in 7 days. I have hired an attorney to seek damages and continue litigation. This has affected my life and credit worthiness. I never received any monetary compensation or was awarded any use of this credit card and never agreed to any financial contract with discover bank. 1. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account immediately. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this COLLECTION account can not report. Please remove this account immediately. DISCOVER BANK Account Number : XXXX I am a victim of identity theft please remove it from my report. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. 1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. 2. What is a FCRA violation? Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. 3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for creditor other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. { dispute_item_and_explanation } VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. * Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXXXXXX XXXX, D.C. XXXX CC : Consumer Financial Protection Bureau CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : XXXX XXXX XXXX CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints
11/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30058
Web
My identity was stolen and the financial transaction was done by online and by email, not in person! I never opened any credit card with discover. This was done all electronically and by falsely intercepting mail from a bogus address. Also the identification used in this transaction was fake. I have a Georgia identification. Not a Florida in which I can provide as an attachment to this complaint. I will be suing discover if this fraudulent account is not removed in 7 days. I have hired an attorney to seek damages and continue litigation. This has affected my life and credit worthiness. I never received any monetary compensation or was awarded any use of this credit card and never agreed to any financial contract with discover bank. 1. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account immediately. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this COLLECTION account can not report. Please remove this account immediately. DISCOVER BANK Account Number : XXXX I am a victim of identity theft please remove it from my report. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. 1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. 2. What is a FCRA violation? Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. 3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for creditor other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. { dispute_item_and_explanation } VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. * Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30058
Web
My identity was stolen and the financial transaction was done by online and by email, not in person! I never opened any credit card with discover. This was done all electronically and by falsely intercepting mail from a bogus address. Also the identification used in this transaction was fake. I have a Georgia identification. Not a Florida in which I can provide as an attachment to this complaint. I will be suing discover if this fraudulent account is not removed in 7 days. I have hired an attorney to seek damages and continue litigation. This has affected my life and credit worthiness. I never received any monetary compensation or was awarded any use of this credit card and never agreed to any financial contract with discover bank. 1. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account immediately. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this COLLECTION account can not report. Please remove this account immediately. DISCOVER BANK Account Number : XXXX I am a victim of identity theft please remove it from my report. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. 1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. 2. What is a FCRA violation? Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. 3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for creditor other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. { dispute_item_and_explanation } VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. * Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX CC : Comptroller Of The Currency CC : Federal Reserve XXXX CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : XXXX XXXX XXXX CC : California Regulatory agency Division of consumer complaints
12/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 31093
Web Servicemember
Subject : Demand for Removal of Inaccurate Collection Account and Compensation Pursuant to FCRA Violations Dear Consumer Financial Protection Bureau, I hope this letter finds you well. My name is [ instructed do not include ] and I am writing to bring to your attention a critical matter regarding potential Fraud, identity theft, securities fraud, Conspiracy, Trustee violations due to lack of disclosure, tax invasion, Assertion : Mishandling and trading of private information may constitute a violation of the Privacy Act of 1974. Racketeering and other erroneous crimes from the way these companies are doing business '. an inaccurate collection account on my credit report, which has been reported by this company. I am seeking its immediate removal and compensation for the time and effort invested in disputing this erroneous entry. The account in question has been listed without my consent, and I want to emphasize that I have no contractual relationship with any of these entities, corporations. They have not only sold and traded accounts yet discharged and claimed funds as abandonment which is not the case because of lack of disclosure. they have not reported the sold accounts to the IRS in benefit of the Beneficiary and they have allowed 3rd party debit collectors to use their name to enforce trauma. I have not provided any authorization for the use of my name, likeness, or credit data, making the presence of this collection account a direct violation of my rights. I am the consumer and a victim of fraud and identity theft, due to non-full disclosure using and selling my personal information and securities, promissory notes, and other instruments for their personal gains to no gain of me the only authorized Beneficiary. over 2 years i have personally reached out and also asked credit repairing agents to address this matter. I need the credit bureau to mail me all of those correspondence letters received from the credit repair companies. This collection account is in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically outlined in Section 607 ( a ) ( 1 ) and ( 2 ). The FCRA mandates that credit reporting agencies, such as XXXX, ensure the accuracy, completeness, and timeliness of the information they report. Moreover, Section 615 ( a ) ( 1 ) prohibits any person from furnishing inaccurate information to consumer reporting agencies. Section 621 of the FCRA further imposes liability on any person who willfully fails to comply with the requirements of the FCRA, making them liable to the consumer for damages. Furthermore, this situation is a blatant violation of 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j. These sections underscore the obligation of credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. The collection account 's fraudulent acquisition and sale also contravene the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which expressly prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. Moreover, these actions breach federal laws, such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ), by engaging in deceptive and fraudulent practices. I kindly request that the Consumer Financial Protection Bureau immediately investigates this matter and takes necessary action to compel the removal of the illegal collection account from my credit report. Additionally, I seek compensation for the time and effort expended in disputing this inaccurate information. Thank you for your prompt attention to this matter, and I appreciate your assistance in resolving this issue. they knowingly or unknowingly Committed securities fraud... all consumer debts should be discharged and paid by the treasury HJR 192 is the insurance policy that protects the legislators from conviction for fraud and treason against the American people. It also protects the American people from damages caused by the actions of the United States I hope this letter finds you well. I am writing to address a matter of great concern regarding my account with your institution. Over the past two years, I have been attempting to resolve issues through various communications, but unfortunately, satisfactory resolutions have not been achieved. This notice aims to draw your attention to specific facts and concerns that point to potential legal violations, including a violation of the Privacy Act of 1974 and the Indenture Trustee Act. Potential Fraud : Assertion : Unverified information has been associated with my account, constituting potential fraud. Supporting Fact : Recorded credit scores, acquired without proper authorization, indicate actions that may amount to identity theft and securities fraud. Identity Theft : Assertion : The acquisition and use of my credit information without proper authorization may amount to identity theft. Supporting Fact : Unauthorized hard and soft inquiries, as well as the trading of private information, raise serious concerns. Tax Evasion : Assertion : Mishandling of financial transactions may raise questions about tax evasion. Supporting Fact : Immediate return of securities bonds, USD principal, interest, and associated terms is demanded for proper rectification. Defamation of Character : Assertion : Your institution 's activities have adversely affected my good name, causing harm to my personal and professional life. Supporting Fact : Denial of loans and investment opportunities due to adverse credit impact is a tangible consequence. Conspiracy Against Individual : Assertion : The mishandling of my account, intentional or not, may constitute a conspiracy against me. Supporting Fact : Ongoing discrepancies and lack of resolution despite diligent attempts indicate potential collusion or neglect. Violation of Consumer Rights : Assertion : As a consumer and account holder, I am entitled to accurate handling of my account information in compliance with federal law. Supporting Fact : Numerous attempts to resolve issues over the past two years have not yielded satisfactory results. Extortion : Assertion : Attempts to commit securities fraud, extortion, omission, or identity theft are unacceptable. Supporting Fact : Cease and desist instructions are issued to stop such activities immediately. Privacy Act of 1974 Violation : Assertion : Mishandling and trading of private information may constitute a violation of the Privacy Act of 1974. Supporting Fact : Unauthorized use of credit information and failure to comply with fair information practices indicate potential Privacy Act violations. Indenture Trustee Act Violation : Assertion : Your institution 's actions may be in violation of the Indenture Trustee Act. Supporting Fact : Improper disclosure or no disclosure of pertinent information regarding my account status and transactions may constitute a breach of trustee obligations. Egregious Business Practices : To verify the facts in the preceding paragraphs, see ( 5 U.S.C. 903, 12 U.S.C. 95, 18 U.S.C.A. 914, 22 U.S.C. 263, 285, 286, 287, 288. Public Law 89-719, Public Law 94-564, Public Law 101-167, Public Law 91-151 Public Law 103-465, House Report 103-826 T.D.O 150-10, T.D.O. 92, 41 Stat. Chap 214 pg. 654, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 10475
Web
I am the consumer, natural person, made with flesh and blood. 15 USC 1681 section 602 A - CLEARLY STATES I HAVE A RIGHT TO PRIVACY! Furthermore!! 15 USC 1666b - a creditor may not treat a payment ima credit account open under an open end consumer credit plan as late for any purpose - HENCEFORTH! EVERY SINGLE LATE PAYMENT ON MY CONSUMER CREDIT FILE MUST BE DELETED OR CHANGED TO PAID, Pays as Agreed Also you had no written authorization from I, the consumer natural person made with flesh and blood, to furnish account information on my behalf. - 15 USC 1681 section 604 A - clearly states that a consumer Reporting agency can not furnish an account without my written instructions Again XXXX XXXX HAS NEVER RECEIVED A HANDWRITTEN CORRESPONDENCE FROM ME STATING DIRECTIVES TO FURNISH ACCOUNT INFORMATION ON MY BEHALF! I am reclaiming the vital role over my consumer credit file. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code $ 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C $ 1681s- 2 ( a ) ( 1 ) ( A ), which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ). Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15USC 1692k, {$1000.00} per each violation you have incurred. Pursuant to 15 USC 1681a ( 2 ) - definitions and rules of construction. States the following ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( There are numerous account listed with account activity balances and even payment history as if the fraud that is being perpetuated is legitmate. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or Pursuant to 15 USC 1691a ( b - f ) - States the following : ( b ) The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. ( c ) The term Bureau means the Bureau of Consumer Financial Protection. ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j - I will use that as proof should I end up in court because of your blatant refusal follow federal procedures/laws. account In question : Discover bank which is listed on XXXX account number : XXXX date opened : XX/XX/XXXX high credit limit : XXXX credit limit : XXXX payment status : current, was past due 30 days XXXX times missed payments : XX/XX/XXXX, XX/XX/XXXX this account has already been removed from my XXXX Credit file due to The " creditor '' not being able to validate the account. I highly recommend that you follow in the same footsteps. be well aware that any action other then deletion of this account from my consumer credit file is and will be considered Adverse action pursuant to 15 USC 1681a ( k ) ( 1 ).
06/14/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MI
  • 48104
Web
Around XXXX XX/XX/XXXX, I accepted an offer from Discover Card via their website to have my interest rate reduced. My understanding was that my interest rate would be reduced for a period of twelve ( 12 ) calendar months beginning XXXX XX/XX/XXXX and ending XXXX XX/XX/XXXX. As a condition of the agreement, it was my understanding that I needed to bring my account current and make an immediate payment. I made the payment amount as scheduled per the attached payment schedule. I believed that my payment due dates were now modified per the agreement such that they would now be due at the end of each month. My account was current as of XXXX XX/XX/XXXX and my understanding per the one-page enrollment confirmation I received was that I needed to have money in the account by the due date. I believed that the due date was no commensurate with the pre-scheduled payments. Around XXXX XX/XX/XXXX Discover attempted to make an ACH debit in line with the attached schedule. The debit was declined by my banking institution on XXXX XX/XX/XXXX. I would not become aware of the issue until Discover reported adverse credit history marking my XX/XX/XXXX payment thirty ( 30 ) days past-due. Around the beginning of XX/XX/XXXX I contacted Discover and explained the situation to the customer service representative. He responded by telling me that he wished I would have entered into the interest rate reduction on the phone rather than online. Because the scheduled payment dates per the attached were not actually the due dates for my account, and that my payments we still due at the beginning of each month. What he additionally explained is that the interest rate is apparently reduced by increasing the amount of the first payments due on the payment schedule, effectively spreading a single estimated payment over multiple other payments. He then admitted that the system can sometimes assign a date at random that is not commensurate with the due date, but that when entering into the program over the phone, that option doesn't always exist. I explained to him that the practice seemed predatory and if as an XXXX with advanced degrees I was fooled by the quantitative manipulation, I could imagine that others would be as well. I asked to be transferred to a supervisor and he obliged. The supervisor I spoke with identified herself as XXXX. My understanding was that I was speaking to her on a recorded line. I explained to her what my experience had been and how I was blindsided by the adverse credit history given the payment schedule. My payment was due XXXX XX/XX/XXXX and was returned XXXX XX/XX/XXXX -- it was therefore factually inaccurate to report my account as being thirty ( 30 ) days past-due. I further explained to XXXX that I was a XXXX XXXX and as such I am required to dispute any factual inaccuracies within my credit files with the CRAs. I told her that it I would rather solve the matter with Discover Card, than resort to disputing thru the CRAs. I explained that I had no idea that the due date of my payment was entirely different than the scheduled payment date and cited the payment schedule and letter I'd received regarding the modified payment schedule. I cited the prior representative I'd spoken with and his explanation that enrolling in the program thru the website didn't make what was going on clear. XXXX became defensive. She began yelling over and over again about how she and Discover Card would continue reporting the adverse credit history to the CRAs and that I was in violation of my card agreement. I tried to explain again how what I was being told by her didn't make sense. She continued to yell. I asked XXXX to transfer me to another supervisor that would be able to assist me further -- she refused, stating that " Discover Card '' internal policy would not allow her to transfer me to a supervisor. I asked again o be transferred to another supervisor and stated that I would be filing a complaint. XXXX again refused to transfer me to another supervisor. I informed her that I would be disconnecting the line and calling back XXXX continued to use every tactic possible to keep me on the line, berating me for being alleged violation of the card agreement. She continued to yell into the pone telling me that I could file a complaint against her all I wanted to and that Discover Card would continue to report the adverse credit history. I disconnected the line with her still yelling and me continuing to say " good-bye, ma'am. '' I called back within half an hour later. I explained to the representative what had just happened and additionally that I have never been treated so poorly by Discover Card in the fifteen ( 15 ) years I've held a card. This representative apologized for the ordeal, stated that she would take my complaint against XXXX and file it. She stated that I could be transferred upstairs to speak with a supervisor again. She stated that she didn't know why given the issues with enrollment within the program I was speaking of, and it being an issue card holders have raised before, that XXXX and I couldn't reach an agreement. She did offer at her level to apply a one-hundred dollars statement credit for my trouble. I declined, indicating my concern that such an offer would constitute satisfaction and accord with my ultimate concern being the adverse credit history. Ultimately I told the representative that I wasn't even sure I'd be keeping a credit card with the Card side of Discover Bank because of the interaction. I thanked the representative and disconnected the line. Around a month later I called Discover to inquire about the status of the complaint I'd filed. The representative stated that she could see where a complained had been filed against XXXX on my behalf. I additionally explained to the representative about the underlying issue and she too stated that I was not the only one to complain about the program. I requested that a supervisor contact me regarding my experience. The representative update the information and acknowledged my request for a call back regarding the issue with XXXX. Six months later I have yet to receive a call from Discover regarding either my underlying concern or experience with XXXX. Discover Card touts its standing as the credit card issuer " Ranked Highest in Customer Satisfaction with Credit Card Companies as reported by XXXX. XXXX. '' Furthermore, in its prior advertising campaigns it touted its customer service in that " it treats me like I treat me. '' Let me clear in that no card holder should be treated like I was treated by XXXX. Furthermore, as a customer service supervisor I would not treat a long-time card holder in such a disrespectful manner. Lastly, given the issues that Discover Card apparently has with the APR reduction program, I would offer to remove the adverse payment history. Per the attached statements, the adverse history reported to the CRAs is inaccurate. The payment at the time was four ( 4 ) days late according to the payment schedule -- not thirty ( 30 ). If individuals like XXXX are whom Discover intends to keep around as supervisors to handle their customer service, especially with long-time customers, they might find customers leaving in droves -- it's happened with other banking institutions that use similar tactics, while purporting an understanding of what it means to serve. Whether in a personal or business sense, I know how I'd treat me with respect to the ordeal with XXXX, and with the broader APR reduction program and adverse credit reporting -- It would not be how I was treated by Discover Card. Finally, from a business standpoint, I would not allow someone such as XXXX to continue to work for Discover Card, or any of its affiliates such as Discover Bank, since that business involves branding that is in stark contrast to XXXX 's poor behavior -- she's bad for business.
12/03/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • AZ
  • 85298
Web
Before making a {$50.00} XXXX electronic gift card purchase with my Discover credit card, I asked XXXX in Utah if it would receive 5 % cash back like all other XXXX purchases with my Discover card this quarter. He said, " Hello XXXX. This is XXXX in Utah. It's good to know what to expect with rewards on your purchases! Usually giftcard purchases come through as XXXX Gift Card rather than XXXX. For this reason the 5 % will not auotmatically be applied. You can reach out after the cycle date to have it adjusted though! It will take an additional billing cycle to update though. '' When I contacted Discover today to get that adjustment, they said, " I do apologize for any misinformation, gift card purchases are excluded from the 5 % quarterly promotion. Due to this I am unable to make that adjustment, I apologize for any inconvenience this causes. We are always looking for ways to improve our company. I would be happy to pass along your feedback for future enhancements.Did you have further questions in regards to your account? '' Even their website does not say XXXX gift cards are excluded from the 5 % quarterly promotion. It says : " Activate to earn 5 % Cashback Bonus at XXXX, XXXX and XXXX from XX/XX/XXXX ( or the date on which you activate 5 %, whichever is later ) through XX/XX/XXXX, and at XXXX XXXX from XX/XX/XXXX ( or the date on which you activate 5 %, whichever is later ) through XX/XX/XXXX, on up to {$1500.00} in combined purchases. XXXX XXXX purchases include only purchases made in-store at XXXX XXXX, online at XXXX, or through the XXXX XXXX app. Cell phone purchases only includes the portion of the balance amount paid in-store at XXXX XXXX, online at XXXX, or through the XXXX XXXX app. It does not include cell phone installment plans. Individual merchants and stand-alone stores within physical XXXX XXXX locations, or on XXXX, may not be eligible in this category. XXXX purchases include those made through the XXXX checkout, including digital downloads, XXXX gift cards, XXXX XXXX orders, XXXX Local Deals, XXXX XXXX subscriptions and items sold by third party merchants through XXXX 's marketplace. Purchases also include those made in-store at XXXX XXXX, XXXX XXXX, and XXXX XXXX. The XXXX logo and the smile logo are trademarks of XXXX or its XXXX. XXXX purchases include only those made at XXXX and when shopping through the XXXX app ( including Grocery Pick Up and Instore Pick Up ). Purchases made through affiliates of XXXX are not part of this promotion. The XXXX logo is a registered trademark of XXXX XXXX XXXX purchases include only purchases made online at XXXX or through the XXXX XXXX. Purchases made through affiliates of XXXX are not part of this promotion, including, but not limited to, XXXX and XXXX XXXX and the XXXX Design are registered trademarks of XXXX XXXX , XXXX. Listed merchants are in no way sponsoring or affiliated with this program. Activate to earn 5 % Cashback Bonus at Grocery Stores ( stand-alone ), XXXX ( stand-alone ) and XXXX ( stand-alone ) from XX/XX/XXXX ( or the date on which you activate 5 %, whichever is later ) through XX/XX/XXXX, on up to {$1500.00} in purchases. Grocery Store purchases now also includes XXXX XXXX Pickup and Delivery purchases only ; other purchases at XXXX are not eligible. Purchases made at convenience stores, gas stations, warehouse clubs, discount stores, supercenters ( or at grocery stores associated with supercenters or discount stores ) are not eligible. XXXX purchases are not eligible. XXXX and XXXX purchases include only purchases made in-store at XXXX or XXXX, online at XXXX or XXXX, or through the XXXX or XXXX XXXX. Individual merchants and stand-alone stores within physical XXXX or XXXX locations ( including health centers ), or on XXXX or XXXX, may not be eligible in this category. Listed merchants are in no way sponsoring or affiliated with this program. Activate to earn 5 % Cashback Bonus at Gas Stations ( stand-alone ), Wholesale Clubs and Select Streaming Services from XX/XX/XXXX ( or the date on which you activate 5 %, whichever is later ) through XX/XX/XXXX, on up to {$1500.00} in purchases. Purchases made at Gas Stations include only merchants in the category that sell automotive gasoline that can be paid for either at the pump or inside the station. Gas Stations affiliated with supermarkets and supercenters may not be eligible. Check with your Wholesale Clubs to make sure your Discover card is accepted. Purchases of affiliated Wholesale Club services, such as delivery services, travel and cell phone purchases, may not be eligible in this category. Individual merchants and stand-alone stores within physical Wholesale club locations, or online, may not be eligible in this category. Select Streaming Services purchases include only the following select U.S. streaming subscriptions : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX+ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + XXXX XXXX+, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. If your subscription is bundled with another product or service, billed by a third party ( such as a digital platform, a cable or satellite provider, telecommunications, internet provider or a car manufacturer ), the purchase may not be eligible in this category. Add-ons associated with Select Streaming Services may not qualify for this promotion if they are not listed, billed in a bundle, separately or through a third party. Listed merchants are in no way sponsoring or affiliated with this program. Activate to earn 5 % Cashback Bonus at Restaurants and XXXX from XX/XX/XXXX ( or the date on which you activate 5 %, whichever is later ) through XX/XX/XXXX, on up to {$1500.00} in purchases. Restaurant purchases include only those made at merchants classified as full-service restaurants, cafes, cafeterias and fast food locations. XXXX qualifying purchases are those made through the XXXX wallet online, when you send money to Friends and Family via XXXX using your Discover Card, and point-of-sale transactions using XXXX Here. Payments made through the XXXX transfer service are not eligible for 5 %. Any restaurant purchase made using XXXX will only be awarded a total of 5 % Cashback XXXX. XXXX, the XXXX logo are trademarks of XXXX or its Affiliates. Listed merchants are in no way sponsoring or affiliated with this program. Activate to earn 5 % Cashback Bonus at XXXX, XXXX and XXXX from XX/XX/XXXX ( or the date on which you activate 5 %, whichever is later ) through XX/XX/XXXX, on up to {$1500.00} in purchases. XXXX purchases include those made through the XXXX checkout, including digital downloads, XXXX gift cards, XXXX Fresh orders, XXXX Local Deals, XXXX XXXX subscriptions and items sold by third party merchants through XXXX 's marketplace. Purchases also include those made in-store at XXXX XXXX, XXXX XXXX, and XXXX XXXX. The XXXX logo and the smile logo are trademarks of XXXX or its Affiliates. XXXX purchases include only those made at XXXX and when shopping through the XXXX app ( including Grocery Pick Up and Delivery ). Purchases made through affiliates of XXXX are not part of this promotion. The XXXX logo is a registered trademark of XXXX XXXX XXXX purchases include only purchases made online at XXXX or through the XXXX XXXX. Purchases made through affiliates of XXXX are not part of this promotion, including, but not limited to, XXXX and XXXX XXXX and the XXXX Design are registered trademarks of XXXX XXXX XXXX XXXX. Listed merchants are in no way sponsoring or affiliated with this program. '' Based on the terms of the promotion and XXXX in Utah 's message, I should receive 5 % cash back for my {$50.00} XXXX electronic gift card purchase. Why is Discover denying me the 5 % cash back now?
07/16/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • NV
  • 89103
Web
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX In reference to account number ending with XXXX, I am XXXX XXXX, I am the consumer, natural human, and creditor to this open-ended consumer credit plan. To my knowledge, by law, I have extended in good faith my credit to Discover during a consumer credit transaction. Discover by federal law has been in violation of first decreasing my Credit limit tihen denying ncrease furthering my extension of open ended credit plan with the corporation. Discover has not shown myself or the Federal Court original documentation with signature proving to be the original creditor to this account. So they can not direct a living consumer in any way on how to use their own extension of open ended credit. Under 15 U.S. Code 1602 - Definitions and rules of construction ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter. ( h ) The term credit sale refers to any sale in which the seller is a creditor. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations under the contract. ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. Discover has reported without my consent on my consumer report, information described as a " late payment '', in which I have not consented to this derogatory information being reported on my consumer report. It has been demoralizing to my understanding of the right usage of credit as a consumer. Congress does not describe the term " late payment " so I do not understand why Discover would use these in there terms. These remarks have made Myself the consumer subject to further denial of my own extension of credit with other corporations which by law is detrimental to the informed use of credit and a Federal violation by law. Under15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards in furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. Under 15 US code 1601. Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I Demand for my open ended consumer credit plan to be honored by legality and validity, my credit limit extension increased within the Discover company, and any notice of bill or debt payment to cease and desist as it is in violation with federal law. By Law I have the right to Rescind my credit with Discover, but I would love to continue to exercise my given consumer rights and education. Please advise promptly XXXX XXXX
12/16/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • IL
  • 60613
Web
To Whom It May Concern : And as such, this complaint is in regards to and against the entity of discover credit card Services for deceptive advances for which was carried out against me on numerous occasions. Moreover, in the first week of XXXX of 2020, a litany of misleading and deeply convoluted information was relayed to me, surrounding the usages of cash advances by a slew of various female representatives in which caused serious mistrust against the representatives that showered me with unethical doings as well as against discover credit card entity in general. In further, I was so concerned and was never compelled with such questionable information that I called into discover calling center to get meaningful answers in hopes satisfyingly and at such time I came in contact with a manager lady after repeated call-ins ... With this being on XXXX, XXXX, 2020, and after explaining my displeasures given the many generic and related porous information to where I advised this manager that I'm trending towards closing out my account due to the many, and extremely poor customer servicing across the board etc. In turn, this manager responded to me by saying, " I can offer you a one year 0 %, APR, starting today, that way you'll stay with us. '' I then asked her if such deeds includes the same for balance transfers, and she stated no. '' However, I was still on my current 0 %, APR, which carried an 18, month period subsequently speaking. Furthermore, I had no interest charged to my account from the previous months until in XXXX, and through XXXX of 2020, which flatly defeats the acts and purposes of such manager 's doings stemming from XXXX, XXXX, 2020, and in which is inane at best, and counter-productive as many would say undoubtedly speaking. So, after detecting this reckless and comical doings ... I immediately raised these concerns to discover representative and was told that, " it's an XX/XX/2020, dispute for {$89.00}, for XXXX XXXX XXXX, that I had reported as fraudulent charges responsively. '' More broadly, I was further told by discover 's fraud team that XXXX XXXX XXXX, had refunded the monetary charges, and then was also told and blamed by means of the castings of aspersions surrounding a charge that I had not authorized knowingly, as I had filed a separate complaint to such hotel corporates office with a strong reproachable deed in their survey as well regarding their system charging me after I had long checked out, but yet I was charged for an additional day recklessly. This happenings I reported immediately to discover 's fraud personnel 's and was told that, " they'd immediately closed my previous account ending in # : XXXX, and then was told that I'll be receiving a new card ending in # : XXXX in a few days as a result. '' In further, these executions by discover 's card services was often penalized against me, by again, means of the castings of aspersions dismissively and even to this day from a XXXX, who represents discover 's corporate executive office who apparently works as an advocate. More broadly speaking, I've never checked my statements because I'm one that's seriously meticulous whenever it comes to the handling of my finances and moreover, never had a reason to as I was still ongoingly on a 0 %, APR, but discover credit card services repeatedly and advancingly had mysterious and inconceivable agendas all along, and furthertively gave me misguided informations surrounding these matters of interest charges, and along with repeated convoluted deeds supporting these chronicles representing my account as a whole in general. Furthermore, and roughly three weeks ago, when I finally and officially realized that my dollar amount was decreased after having a balance of {$1700.00}, as a pay-off, I received a text for the first time to check my account transaction, and this led me to the realization that discover was inconceivably taking advantage of me by the chargings of underlying interest 's in which further supports a predator type approach, but not only that it also supports the sickening deeds of ethical fallacies, rationale fallacies, extortionate doings, and the additional deeds of major monkey businesses across the board. Progressively speaking, this troubling business conduct easily could or can be deemed as verbal trickeries abusively, which further supports non-de-minimis approaches. In essence, these acts that has been committed by Discover Credit Card Services, are nothing but phony and advancingly business conducts in which I whole-heartedly believe without bias or prejudice supporting the notions that other consumers has been dealt these blows underlyingly speaking. Additionally, I will fight discover in court if I have to especially knowing that I've made countless reports regarding the many reported and badly misguided informations that has reared its ugly head continuously to this day etc. And even more, these reports supports otherly times un-biasly speaking to where most of their representative concurred in support of my sincere reports in my displeasing feedbacks from otherly representatives that displayed a wash-fulls of incomplete, and bias information disturbingly, but not only that roughly three weeks ago ... " A female representative put me on hold three times and then came back saying, this makes no sense as I'm not seeing anything that would validate any interest charges on your account. '' In addition, this same female representative alerted her supervisor that also deemed the matter similarly, and then stated for her to transfer me to their fraud department with an incoming male representative at such time that stated he can not assist me, and further stated that he only assist for fraud situations, '' and with this extension being all for naught non-resourcefully. Furthertively speaking, I was forced to escalate the matter independently due to the many failures differently speaking, and then came in contact with a XXXX as mentioned aforementionly that gave me further questionable deeds on XX/XX/2020, and when she called in on such day, XXXX appeared as if she didn't know how to relay the terrible fallacies to support her unethical so called findings as I had to help her out to get started on her alleged and furthertives of reckless and deranged, and toxicated fallacies to further support her entity 's alibis etc. And such actions by XXXX was met with rightful reproachable deeds of mine with the strong notion that everything that was relayed to me, would be challenged at every lawyerly levels, and with aided and governmental alliances. In my closing out now, I'm urging for the CFPB, to share this complaint to other body of government that has oversight mechanisms, and in further, I would like for fines to be levied vigorously, as well as otherly rightful justice 's against discover credit card services as this entity deserves no slaps on the wrist, nor one that deserves a place in the banking and lending marketplace given their definitive acts of snares dangerously, and mean spiritedly. Please note : I've attached six statement documents showcasing beyond from XXXX, and XXXX, as once again, my valid point showcases sincere deeds as they were no interest charges beyond those months before, and the same should be upheld forwardly speaking with the extended 0 %, APR, that was verbally granted given in early XXXX from a female manager. Therefore, XXXX 's, and others within her organization findings are flat out categorically full of underlying deceptivities at best etc. Again it's counter-productive, and defeats their collective doings inanely and across the board. Make it right discover entity or else face the consequences, and severe repercussions rightfully.
04/25/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 77380
Web
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXXXXXX Discover XXXXXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Investigation update on XXXX Regarding disputed charge to Account No. XXXX Dear Dispute or Billing Inquiries Division, This is XXXX XXXX, Customer with Discover Card No. XXXX. I am writing to appeal against your decision to go in the favor of the Merchant in the Dispute Case number XXXX. Before that I would want to share with you further details on what was the service that I signed up and what was delivered to me. Service that I signed up for : XXXX XXXX, employee of XXXX offered me a private service offering called XXXX XXXX for {$50000.00} that offered following features ( Please see the screenshots ) a. 2x-5x returns per month b. Capital will be safe c. Loss in case of compensation What Happened : Very First service alert of the XXXX XXXX resulted in a loss of {$67000.00} Denied any compensation Requested for Refund Only to be blocked Reason for requesting charge back : Service that was sold to me vs Service that was offered to me are completely different. Thus, I believe The Fair Credit Billing Act ( Act ) is a XXXX federal law designed to protect consumers from unfair credit billing practices and would like to request my rights be protected Reasons for Appealing against Discovers decision : During the initial investigation of the dispute, response from the Merchant was that I made $ XXXX on XXXX and XXXX on XXXX XXXX Is not true as I made XXXX on XXXX XX/XX/XXXX on XXXX and XXXX of XXXX on date XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on Annual Membership ( {$1500.00} ) which was bought on XXXX XXXX on XXXX website while Payment for XXXX XXXX was completed on XXXX XX/XX/XXXX, it is neither a service offered on XXXX nor under orders page of XXXX. For your Reference attached are the screenshot and 1099 document will be uploaded to discover dispute portal XXXX : XXXX : During the second investigation of the dispute, response from the Merchant was that they have no refund policy and thus, discover decided to go in the favor of merchant which I disagree due to following facts : According to XXXX website : SUBSCRIPTIONS XXXX XXXX Membership subscriptions grant you access to receive stocks signals. Payment will be charged to ccount at confirmation of purchase. We will notify you if the price of a Paid Subscription increases and, if required, seek your consent to continue.The products are provided in form of data information service. No refund is available. Reason for Disagreement is XXXX XXXX which was offered to me is not service or subscription on XXXX and here is the screenshot : Payments made to XXXX XXXX is not even listed on order page on my profile, only annual subscription is listed As mentioned previously, it was offered to me on the chat by their employee. Here is the screenshot of the same below. Thus, I believe stock-sight.com terms can not be applied to product or service that doesnt exist on their website. Continuing the XXXX terms on Payments *XXXX XXXX only accepts payment through two channels : its official website XXXX and XXXX XXXX app. For your property safety, please do not transfer money to personal accounts to avoid frauds. In case of running into wrongdoers, you can timely report to XXXX. As you can see XXXX XXXX website says it only accepts payments via two channels i.e. through the website or app. In case of payment for XXXX XXXX, its employee asked me to transfer money to an individual called XXXX XXXX which even the employee confirmed that it belong to XXXX XXXX in the chat which is a violation of their own terms. ( XXXX Search results for the email shows up XXXX XXXX XXXX XXXX XXXXXXXX? XXXX % XXXX ) Violation report to XXXX and chat conversation with another employee, XXXX : As shared in some of the previous documents, many customers have been duped in the similar manner by XXXX XXXX and they have reported these incidents to XXXX and XXXX, an employee of the XXXX has been asked to collect the evidence and submit it to the management. So far, no customer has received refund nor service, which authorities have also confirmed to be a scam as many other customers have also been swindled of their money in the same way. In my Case, I have filed a report with XXXX Police with Case XXXX, Reported to FTC with report no. XXXX, XXXX Submission Number XXXX ( XXXX referred us to XXXX XXXX ) ( All the copies enclosed ) Coming back to Dispute : FACTS I was offered investment services through a XXXX XXXXbased firm called XXXXXXXX XXXX XXXX XXXX employee a XXXX XXXX XXXX. As indicated by one of the Company 's employees, it was offered, agreed and guaranteed in chat that I would get 2 to 5 times the principal amount as profits from the investments, and that I would receive the principal amount even if there were any losses. I on the other hand, did not obtain the promised returns and did not receive the main amount from the Company. I Paid to the investment through a variety of payment methods including XXXX XXXX end with XXXX. Thus, I would like to request for a charge back on this transaction based on Fair Credit Card Billing Act of XXXX. What is the Fair Credit Card Billing Act XXXX? The Fair Credit Billing Act ( Act ) is a XXXX federal law designed to protect consumers from unfair credit billing practices. The Act outlines the rights as a consumer to dispute items like unauthorised charges, charges resulting from errors, and goods or services that have not been supplied. The purpose of Act is to provide consumers with protection from unfair billing practices, covering " open-end '' credit accounts such as credit cards or charge accounts. What is the Applicability of the Act? The Act defines billing errors, to which the provisions are applicable and actions under the Act can be initiated. Therefore, billing errors include the following : A. A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. B. A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. C. A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction What was delivered to me? A. A loss of {$67000.00} B. Denied Compensation C. Blocked for asking refund D. No Service Provided thereafter As a result, my transaction falls under sub-section ( c ) of the billing error, giving rise to a cause of action under the Act. How is the Act applicable to me & what are the requirements? As provided above under sub-section ( c ) of the definition of billing error, the gives the right to dispute charges in case of dissatisfaction with the transaction. I was not delivered the service as promised during the time of the agreement. Accordingly, I have valid cause of action under the act. I am requesting Discover to review all the facts and evidence presented and reverse its decision and the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. Enclosed are copies of Police Report, XXXX referral to XXXX, FTC Report and XXXX Complaint supporting my position and experience. I urge you to consider all the facts and evidences and provide me with the refund at the earliest. Also, I would like to know why my previous request was rejected under Fair Credit Card Billing Act XXXX. I would like to get written reasons or confirmation for rejection. Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX
10/25/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • IL
  • 60623
Web
On the XXXX of XXXX I woke up to an email from Discover concerning my checkings account. It said that they have noticed suspicious behavior on the account and instructed me to contact them immediately. Without hesitation, I contacted them with the phone number provided. I was asked a series of security questions, which I answered correctly and then they were able to access my account info. I was then informed that my account had been closed and they could not give me a reason why except that it was a business decision. I was severely distraught over this because my one and only source of income is my unemployment benefits of {$110.00} a week. I had been waiting on a deposit from unemployment for my backpay the entire two and a half months I had the account but had been receiving my weekly direct deposits from unemployment every week since opening the account in early XXXX. Never had any issues whatsoever, not even one single overdraft.. nothing! The day I was informed about the account being closed was a Sunday. Two days earlier, I spoke to someone at the unemployment office about my back pay and was informed that they were ready to send the deposit and to confirm my banking info. I of course gave them my account info from the Discover checkings account since that is where I had been receiving my deposits weekly since they approved me for XXXX unemployment benefits. I was shocked that they had closed my account without warning or even a single phone call to question me about the concerns that they were having. I went into a complete panic knowing that the backpay deposit was already processed and sent to that account so there was no way to reverse it at that point.. Although I was not confident that it would do any good after the conversation I had with the first rep I spoke with, I decided to call again to try and see what was happening and what I could do to resolve the issue. I spoke with a different rep that time, and a much nicer one to say the least, and after looking into things and speaking with her supervisor, she realized that the account was closed for basically no good cause and reopened the account within minutes. She informed me that although the account was reopened, I could no longer use the debit card I had for the account and would have to wait on one to come in the mail. I made a point to let her know that I was currently out of town and in XXXX at my mothers house so they would have to send the card to that address. She said that was no problem I would have the new card within 24-48 hours. I was so relieved and grateful that my account was open and I would be able to receive this money I have been waiting on for two and a half long and truly difficult months. However, they did not send the card to XXXX as I requested, they sent it to XXXX where I reside. I again called in and spoke with someone, explained the entire situation once again, and after apologizing for the mix up on their part, I was informed that they have canceled the card that went to XXXX and reordered another new card to send to XXXX which I would have in another 24-48 hours. At this point Im feeling a bit irritated with the situation but still optimistic knowing I can finally access my money in a couple days that is so desperately needed for bills, etc. The very next day, I wake up to yet another email saying there is suspicious activity on my account and to call immediately AGAIN. I thought omg what is the problem now?!! But again, I called, and again I answered multiple security questions correctly and access to my account was granted to the rep. Low and behold, my account was closed AGAIN!! Unbelievable!! Of course I was again told that it was a business decision and I would have to wait 60 days to receive my money by check in the mail.. at this point, Im just completely speechless and can not believe what is happening..and for NO REASON!! I of course called back to try and resolve the situation and get to the bottom of this and was told that the reason why the account was closed a second time ( get this ), is because there were two debit cards ordered in the same week going to two different addresses!! Now things are just unreasonably rediculous and Im in complete amazement at the treatment Im getting as a customer of theirs no less!! Now they have me on the phone with their fraud department.. now Im once again explaining everything thats happened to yet another rep. She says ok understandable, just send me a picture of your social security card and birth certificate. I tell her I definitely have my social security card but not sure about the birth certificate but I am driving at the moment so let me take a look and see what I have soon as I get back to moms house. An hour later, I call back and get another rep. Explain everything again. Inform them Im prepared to upload requested documents just tell me how to do so. They walked me through it, successfully uploaded documentation, they then transferred me to a supervisor. Explained everything AGAIN only to be told Im sorry your going through this but I need you to now upload a lease, tax documents or check stubs.. so I did! By that time shift changed. Now Im on the phone with another rep. Explained everything once again for the 50 millionth time thats happened up to that point and was then told that he sees that I have uploaded the documents and he will forward this case to a supervisor and reach out to me with a decision within the hour.. that was going on 24 hours ago.. Now with all that being said, let me explain my situation a bit so you can fully understand how this whole mess was initiated. Im originally from XXXX, my whole family still resides in XXXX, but my sister moved to XXXX a few years back and I decided to relocate and move in with her Around XXXX or XXXX of last year because she was out there all alone and struggling to pay bills. I am XXXX so XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX type work so I can work from pretty much anywhere. When the pandemic hit, work ceased completely due to the social distancing order, so when the XXXX unemployment benefits became available, I filed a claim for XXXX benefits. For several months I certified for benefits every week but didnt receive a single penny until late XXXX. By that time my sister and I had several months worth of unpaid rent and bills of every kind so we were in desperate need of that money. The weekly benefits helped but they were nowhere near enough to climb out of debt completely so the retroactive backpay was and is still desperately needed. In early XXXX my mother contracted XX/XX/XXXX and I immediately came back to XXXX to help care for her. She fought for a long time but recently passed away due to complications of XX/XX/XXXX. That is why I was out of town for the last few months and that is the one and only reason Discover bank closed my account. Simply a red flag in their system from me receiving unemployment benefits from qwww XX/XX/XXXXand currently Im in XXXX temporarily. They did not even do much as ask me why I was here or give me any opportunity to show them proof of of what I am saying. I have to bury my mother next week and can not even buy myself a suit. I also have XXXX daughters ages XXXX and XXXX that I am raising alone. This whole experience has caused me unthinkable grief in the midst of an already devastating situation on multiple levels.. This is truly an outrage that this bank can legally even do something so devastating to a customer of theirs who voluntarily trusted them with their own money only to have them keep it from me and deny me access to my own money without good cause and someone needs to answer for these rediculously cruel and heartless actions.
01/26/2023 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • NY
  • 105XX
Web
My daughter is a borrower and I am the co-signer, for the past several weeks Discover student loan ( DSL ) has continually called each of us throughout everyday, leaving voicemails etc. My daughter is a new grad and at a first time job and has been warned by her employer XXXX that personal use of her cell phone and or receiving excessive calls is not permitted. Each time she received a warning it was Discover student loan calling ( she has saved the call log to screen shots ) a simple resolution shut down phone. She can not shut her phone off while at work, sometines she is alone at work when Co-workers go for a break or out to lunch. she leaves her cell phone in her commuter bag and works in XXXX. She needs to go outside on errands for her company throughout the day and at no time is it safe for her not to have her cell phone. Today I needed. to take the morning off from my job and wont get paid or have to make up the hours just to address and contact discover student loans as a result of their continual calls which are extremely disruptive and challenging for me during the work day all day long. I contacted discover student loans today and while on on the phone speaking with multiple ( XXXX ) reps at XXXX since XXXX until XXXX, reps were XXXX, XXXX and XXXX ( the supervisor. XXXX continued to contact Me! My first call was with a rep named XXXX and speaking with her I continued to receive incoming calls from discover student loans from XXXX, XXXX on my cell phone, I told her that was happening. The rep, XXXX advised me after I confirmed all my personal information that I was on recorded line. Right after confirming my identity she advised me she was attempting to collect a debt of {$2000.00} and how would I like to pay it today? I questioned the balance and XXXX stated i owed XXXX and XXXX. I advised her that is not possible. She placed me on a brief hold and came back and said she was incorrect I owed XXXX & it was due mid month ( XXXX or XXXX ) late teens I am certain. When I asked what the remainder of the balance was she said : thats for XXXX! Shocking! She then advised me that is what they do at XXXX, she confirmed they start calling, emailing and regular mail when your late and that This is the discover student loan approved practices. Further when I advised XXXX is not late and XXXX is not due, I was advised again that is their policy in the loan contact we signed. I further advised to not to my call my daughter any longer, my daughter is a new grad in a new career and they XXXX are Jeopardizing her employment. I also informed XXXX that discover reported us both late to the credit bureaus. Making us both victims now. Finally I informed her that my daughters rates are excessive and with little notice from XXXX other than this your loan due will change next month, XXXX days later or less notice and XXXX loan went from {$600.00} a month To a Repayment amount of {$1000.00} a month. I requested & pleaded for help, that she /we needed a lower interest in order for the loan to be sustainable. She makes less than XXXX a year and discover is charging her excessive interest and what could be done by XXXX? So my XXXX things requested to XXXX were please do not contact my daughter, only me and preferably after XXXX on weekdays and please not on Sundays. I requested for them to remove the negative reporting on each of us. I. Requested to have the interest reduced. She apologized and asked for me to hold on she would get a supervisor. I was disconnected. I called back and spoke with a rep at XXXX named XXXX and went through the identity confirmation process and recorded line notice. Explained what took place with my call with XXXX and she stated Im sorry please hold on and I will get you a supervisor. I was then transferred to XXXX the supervisor at XXXX and she went through the identity confirmation and notice of Im on recorded line, took place again, XXXX times. I repeated my story, my frustration and told her my requests for help. 1. Please stop contacting my daughter and only call me your That XXXX is jeopardizing her employment. 2. Please remove the negative reporting on each of us. 3. Please help us with reducing the high interest rate She said NO to all XXXX requests and was caviler and non responsive during my requests causing me to become more frustrated and more if a victim. No effort to even attempt to help in the slightest. I asked her to please take it to her boss and for her to call me back. She said No! She said even if she did that they will say NO so she is not and Im not calling you back ir getting back to you. I repeated my XXXX requests again In response to my request to stop contacting my daughter : XXXX advised me thats not going to happen that they need to hear from her only and she has a separate account, so calls will still occur To my daughter regardless. She further went on to say that my daughter has a separate account with XXXX. Its important to note that XXXX was contacting each excessively for the exact same account matter! She advised me ; This was agreed on loan documents and contracts etc, 2. We only report Accurate information, so again, No. ( remember today XXXX was contacting us looking for XXXX and XXXX payments of XXXX, not XXXX days late or even due. 3. Interest reduction, her reply was again NO, That my daughter could request to lower her monthly bill XXXX time and put it on the back of the loan or she could reapply and get a consolidated loan. XXXX further went on to say that XXXX presented a graph to her on what a variable rate will look like in the future, so my daughter was made aware what she was signing and NO! Then continues with if we do it for your daughter we have to do it for all borrowers, NO! XXXX the XXXX rep refused to contact me after my request for her to speak with her supervisor and call me back. XXXX sited the loan documents and papers and XXXX polices. Polices that clearly do not meet the federal guidelines but XXXX position is their policy and loan supersedes the law. I want to share my daughter was never provided a graph. We have a binder with plastics sleeves of every note, message etc from inception forward. I requested the graph that my daughter signed in XXXX XXXX the supervisor ignored it all together, she dismissed it. Because the truth is there is no graph! Honestly how could XXXX predict variable rates for the future. So absurd. My daughter only wanted to go to XXXX. She held a XXXX diploma when she signed the loan with XXXX at the ripe age of XXXX. At XXXX she couldnt buy a XXXX or XXXX due to the XXXX year old laws but at her age if XXXX she held the knowledge on how to choose a variable or fixed rate. XXXX steered her down that path and presented her with their approved contracts. XXXX took advantage of her and steered her and encouraged her to these usurious variable loans with predatory lending practices. They told her she needed a co-signer. XXXX Practices are to falsely report negative credit so a consolidated loan with a fair rate doesnt exist. My daughter and I are both victims of discover student loans and we need the CFPB to help us with this predatory lender. We deserve a fair rate .abd we deserve the rights afforded to us under the law regarding fair debt Collection and reporting. With appreciation, we thank you for your efforts in advance. FYI- note - Since the XXXX calls started contacting us in disruptive excess We have researched the student loan industry and multiple XXXX XXXX class actions suit came forward in our research and we have come to the conclusion there is not a singular difference of XXXX and XXXX XXXX as defined as predatory and, harsh and unfair harassing practices.
12/22/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60613
Web
Attn : Consumer Financial Protection Bureau, And as such, this serious and in written complaint is against the entity of discover financial institution reflecting a charge that was made out on XXXX, XXXX, 2020, through XXXX, and with a series of shared and verbal telephonic information in which was provided by the agent at the time of such transactional happenings. " In further, the XXXX.XXXX agent stated when asked by me, if they were affiliated with choice hotels, and her answer was yes, '' and along with other duped and fanagled doings by such agent to enrich herself firstly, and along with XXXX.XXXX in which she represents by means of imposterizms and commissionary advances un-ethetically. However, other unethical deeds was being verbally carried out by the same agent representing XXXX.XXXX to where she stated, " you'll be sent to an affiliated hotel where it's rated with a four/half-star with everything, but if for some reason when you arrive and things are not up to ideal house keeping standards across the board, then don't hesitate to reach out to us here at XXXX.XXXX and we'll make it right accordingly. '' Moreover, all such verbal releases by such agent turned out to be all for nothing as the hotel which is located in XXXX, illinois, is not a member of choice hotels, but not only that it wasn't readily prepared in a welcoming cleanse-liness etc. And these things I reported to the front desk for cleanings, refunds, removals, transfers, and along with the request for immediate and monetary refund by XXXX in which turned out to be extremely difficult to resolve at all respectable levels of mine. More broadly, I later detected a surprising and added on surcharge as a service fee amounting to {$19.00}, by XXXX.XXXX which further raised my antennas in discovery that choice hotels charges no membership fees. " In further, I called in this extra additives telephonically to XXXX.XXXX and questioned the whole matter but was given vague responses as always, and with stalled promises to hold tight, meaning be patient with us and give us time to get with management of the hotel management verbally, and we'll request for a transfer, or an immediate refund. '' " And these behaviors were the constant norm by XXXX.XXXX litany of agencies that I came in contact with repeatedly to fix all matters across the board. '' And then it became apparent that all such agents were not up to the task by any means of decency 's as they made verbal promises to wait for a manager of theirs to reach out for a resolution, with a time frame of 30, to 45, days repeatedly and as a way of purposely dettering and frustrating the entire processes. In continuation the only fees that was ever recovered was XXXX.XXXX sur-charges of {$19.00}, to this day and that's because I believed that I utilized the rightful deeds differently towards XXXX that they would be reported disputedly to discover 's entity, and along to other bodily of governmental agencies. More broadly, and differently speaking, these aforementioned has been brought to discover 's financial and credit card department for a disputed approach by means of in writings, and by means of verbal telephonic communications. However, discover has treated my sincere reports with means of irrespectives, disdains, no compunctions, unfairities, and the approach-ful means of the repeated castings of aspersions, and in further, favoring every generic, sub-par and un-user-friendly documents in a heinous and with the acts of intentional and definitive favors reelingly towards XXXX. " Furthermore, they discover personnels have given me a hopeful outliers from the onset, and by furtherly saying, they'll push my matter up to their last leg, such as their in house arbitration board 's, but not only that they've constantly informed me that all the while when XXXX.XXXX ... Has provided their entity with documents to support their XXXX.XXXX ... claims that they reservations.com, once again, claims were not valid enough to support XXXX, claims, and so, we're denying them being XXXX. '' And these verbal exchanges were relayed to me telephonically, and as well as in written responses to me in which supports a disputed amount of {$430.00}, deed-fully. Progressively speaking, I've escalated the matter countlessly to discovers executives that represents discover financial entity as advocates but I don't feel like anything concerning my matters of importances will be met with a fair resolution as XXXX has showered me with convoluted-ness and otherly litany of misleading information on this newly matter, as well as otherly ongoing matters as I've shared indifferently speaking etc. Advancingly speaking, this is what many consumers and oversight governmental agencies would undoubtedly deem as no fair care for the the little consumer or consumers for that effect, and an approach of disgraceful handlings atrociously, and the sweeping of the smaller consumer matters under the rugs while favoring XXXX, matters unconditionally ... " And most recently a discover supervisor has made a symbolicly and shared verbal claims, that XXXX is one of their big companies that they have to treat with all fairness as well on XXXX2020, between XXXX, EST. '' Furthermore, these developments easily can be painted as ethical fallacies, rationale fallacies, and further definitive means as gravalicious nepotism 's at best which in further is deeply non-de-minimis supporting means of grossly negligence of major and disturbing culpabilities undoubtedly speaking etc. " Furthertively speaking, XXXX has now sent me two thicked and lengthy paperwork to where they XXXX are stating that all their options has now been exhausted to further support my disputes, and that it's best that I autonomously reach out to the agent to work and settle whatever disputes. '' This is what I've been saying all along that discover is a culpable and grossly, and sickening unfair entity that favors a multi-million-dollar chain to further enrich their indecent entity etc. In addition, such paperwork that has been sent to my well-being, is not one where it's user-friendly in a fair readable manner for me to rightfully rebuttal XXXX.XXXX, imposter advances, and I reproachably criticized XXXX for making such extremely poor disadvantages to me to challenge XXXX, alibis furtherly speaking. And why is it that such a enriched entity of XXXX would conduct themselves in such purposeful and disturbing negligence etc? In my finalization now, I'm requesting for a litany and justful investigation to be launched against discover credit card entity, and for this information to be shared with all bodily and governmental agencies, especially my states attorney general 's office, as I feel that discover is not an entity that can be trusted in any fair ways to begin with in general. Therefore, a justification of well warranted justices with steep penalties should be followed by means of disciplinary and actionable 's of enforcements, given the nature if these troubling acts as it further has no place in this financial and institutional marketplace. Please note : I am requesting for the two thickness of XXXX XXXX to be shared with the CFPB, in which was sent to me twice, and please, no alterations or tampering to such paperworks ... That way the CFPB, and otherly oversight agencies can see what was sent to me disadvantagely as a mean to deter my way of challenging respectfully etc. And it's only discover 's front page cover and in which is the same lettery page that was made readable only with discover 's underlying and cold calculated instructionary dismissive-ness. Also, they're XXXX photos attached to further validate my shared chronicles.
10/16/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • NY
  • 144XX
Web
I've been having issues with Discover bank from past year XX/XX/XXXX. I had a lot of unauthorized activities on my account and so I've been back and forth with them. They changed my account and sent me multiple new cards this didnt fix the issues and so fast forward to this year I stopped using the account because I was left with a balance of XXXX to repay all on my own after they made a case and closed the case on XX/XX/XXXX. SO BASICALLY I WASNT GIVEN A CREDIT. I WAS LEFT TO PAY XXXX a payment that was reversed when somone kept logging unto my account.Anyhow being the person that I am I don't like owing bills before all thus I never missed a payment. I called discover to make a settlement on XX/XX/XXXX at XXXX, because my aunt offer to loan me {$7.00}, XXXX a one time settlement. I called discover and XXXX XXXX told me they can only settle to 60 % of the now amount I am owing {$20000.00} ( because of interests and late fees ). This settlement was to last until XX/XX/XXXX. They told me they can't remove them unless I can call billing and report the previous fraud charges to see if they can remove some of the charges so that I can get a better settlement amount. XXXX transferred me. The agent agent in Fruad told me she was gon na investigate within 24 to 48hrs Anyhow I waited for 24hrs to check back my account when I checked I now owed. XXXX this agent added extra owings on my account because basically discoverbank now charging me twice for the SAME charges that were already returned to my a/c ( XXXX ). However on top of that she added a XXXX plus a another XXXX and a XXXX. That total it to the XXXX call on XX/XX/XXXX and spoke to XXXX from Fruad and she understood what I was saying so she removed the XXXX from the account which take the account to XXXX. When she was about to remove the other charges she said she going in a meeting so she will call me back. She didnt so on XXXX I called again and spoke to XXXX. I explained to him everything hower clearly he didnt understand me because my acount was now to to XXXX. XXXX added back the XXXX plus an additional {$2400.00} on the account. So on XXXX I called again for them to fix this issue so that I can move forward with the settlement that XXXX gave me. However the system was now saying that I've made a payment which brought my a/c current.this is because when XXXX and the other agent change something on the ac it was saying that its paying I was paying these amount and they they got reversed. Which is not true because I didnt make any payments. Its what they did in the system that was causing this.This caused the system to say I'm no longer qualified for a settlement. This is unfair to me because I called discover everyday after that for them to fix the issues and they kept hanging up on me, transferring calls and also kept adding and removing funds from the ac to fix what the first lady did. I called on XX/XX/XXXX and spoke to XXXX and he was able to bring the account back to where it was from XX/XX/XXXX. I also spoke to someone in hardship /settlement and he told me that I can schedule a payment for one nighty something and it wont make the account current however they wont report me to the credit bureau however settle would still be available to me until XX/XX/XXXX. Note Ive called everyday from the XXXX trying to get the settlement but because of the discover bank staff negligence the system was saying saying I did make a payment and no settlement available to me even tho I have a letter that says I have it until the XXXX if I don't pay over {$600.00}. Note I didnt pay and still it wasn't available to me. XXXX called the XXXX to the XXXX and still they told me no settlement was available ( note i stoll didnt make a payment ) however the system saying otherwise. I went as far as suggesting they manually give me one then. So they transfer to to a supervisor after being hanged up on by multiple agents or being transfferd. I finally spoke to supervisor XXXX and explained my plight told her I need a settlement. She told me she can give me the original offer however I can call her back when I have it. Me and her went bacl and forth for couple days in XXXX until finally I raised {$11000.00} and I called and say I can pay this now. She then said that's not enough so she is gon na transfer to to someone that can help she transferd me XXXX from fraud he was saying they cant chabged what the system is saying even though they were the ones that went into the system and mess it up.he transfered me to XXXX then I was transferred vack to XXXX who was so rude she told me she cant help me eventhough I have the {$11000.00} because she can not give me a settlement if she system is saying I dont have one available for me. Note I've been calling Discover bank from XXXX XXXX almost everyday been on the phone for hours. Just to hear that the settlement was no lone available to me even though I have a letter saying I had it until XX/XX/XXXX. I spoken to multiple agents, XXXX from Ohio. XXXX from Fruad, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( collections ), XXXX, XXXX who hanged up on me, XXXX, XXXX, XXXX ( Ohio ), XXXX, XXXX, XXXX, XXXX,, XXXX ( she understood everything that was happening however she couldn't change the account it had to change by Fruad ) she was also the first agent to note the account so that I didn't have to be repeating myself constantly after talking to all those agent daily for hours, XXXX and XXXX, XXXX, XXXX XXXX, XXXX XXXX then XXXX then XXXX theb back to XXXX the rude supervisor from. Hardship with no empathy. XXXX claimed that because I got a credit they were being reversed and that's why the accounts was saying current which is not so. Discover closed all cases of Frauf From XXXX and so aby credit and anything that was going was already reversed and closed. That why I had the final bal of XXXX. For everything the agent changed on the account there was a corresponding charge already from previous account and so basically discoverbank was charging me twice. When I called for them to fix the issues they credit the account the with amount and so the system was saying I paid this which and didn't. None of the agent knew how to reverse what the first last did on the account so the it would say the account was in a derogatory state as it did before. And so they kept giving me the run around for weeks. They also tried twisting and telling me lies that it was me making payments online and they were reverse and that's why the account was saying current. When it was them have the access to do that. I am stressed and frustrated sometimes I have yo cried because Discover bank did me dirty. And in the end XXXX told me that I can do whatever I please but she can't give a settlement if the system not saying it. I can go bankruor can even report discoverbank. Because I suggest that I will. She didnt care. None of the agents cared. I'm sick with phonmonia and I am currently unemployed with XXXX children and I raised some money to pay discoverbank and they refused it and did me dirty. Desired Settlement : They need to manually allow me to get the settle cause it was their negligence ; The supervisor XXXX told me I can file brunkpucy or report then to the financial board cause she can't help me. Even though she dragged me along ; I don't get enough writing characters to explain better. The pain and suffering I've been going through because of Discover bank is painful and affecting me and my children. I will upload the letter and the hours Ive been on the phone with Discover. Please feel free to contact me for more explanation and information thank you.my contact # XXXX
08/10/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • PA
  • XXXXX
Web
Please reference the following conversation where the Discover chat representatives seem to be a little under-coached on Credit Card Law. It would appear they do n't take any of that seriously, and I 'm astonished that organizations like them are allowed that much leeway. My attorney read the transcript and had a different opinion aside from what XXXX claims is the law. XXXX especially should not be in the firm position he/she is in. That person does n't know how to speak to someone who is trying to explain to a company the law as it stands in the country. Youre now chatting with XXXX. XXXX at XXXX, XXXX XXXX : Hello, how can I help you today? XXXX XXXX at XXXX, XXXX XXXX : Good evening. XXXX XXXX at XXXX, XXXX XXXX : This is XXXX. Please explain how interest is applied from excess payments over the minimum being that the interest rate is equivalent on all 3 balances. XXXX XXXX at XXXX, XXXX XXXX : Are you dividing the excess amount by 2 for the other 2 balances to shed identical portion payments? XXXX at XXXX, XXXX XXXX : Good evening XXXX! Since all of your balances are at the same rate, all of your payment is allocated from the lowest balance to the highest. So the lowest balance will be paid off first. Does this information help answer your question? XXXX XXXX at XXXX, XXXX XXXX : I understand, but of course that puts paying it down at a disadvantage. XXXX XXXX at XXXX, XXXX XXXX : So, if I understand what you 're saying and I think I do, let 's say I pay the entire balance of the Balance for purchases made on and after XX/XX/XXXX with the next payment. The excess would then go to a lower balance? XXXX XXXX at XXXX, XXXX XXXX : so cash advances? XXXX XXXX at XXXX, XXXX XXXX : being that the regular purchase balance is close to {$9000.00}, that puts the cash advance balance at a lower threshhold XXXX XXXX at XXXX, XXXX XXXX : But contrary to the above, in a normal scenario, the cash advance interest rate is much higher than the purchases interest rate XXXX XXXX at XXXX, XXXX XXXX : Are you following me? XXXX at XXXX, XXXX XXXX : All of your balances are currently at a fixed 16.99 % so interest is accruing at the same rate across all three of these balance. You are correct about the cash advance being the next lowest balance so after your first purchase balance is paid off, the payments will start being allocated to the cash advance balance. We do apply payments and credits to your balance at our own discretion in correspondence with the Credit Card Act XX/XX/XXXXbut I am happy to forward your feedback to our headquarters. Did you have any other questions about your account today? XXXX XXXX at XXXX, XXXX XXXX : You can at your own discretion IF AND ONLY IF the interest rates are the same. Secondly, if I may, you are still required to report to the cardholder where you are applying them, otherwise, it could be considered a conflict of interest. XXXX XXXX at XXXX, XXXX XXXX : Meaning, you 're secretly creating a conflict without representing the truth. XXXX XXXX at XXXX, XXXX XXXX : Does this make sense to you? XXXX XXXX at XXXX, XXXX XXXX : Just like in a court of law, nobody should be left with any surprises after they happen. XXXX XXXX at XXXX, XXXX XXXX : Full disclosure is the name of the game. XXXX at XXXX, XXXX XXXX : We do provide the terms of payment allocation with the terms of your account when it is opened. As this debt belongs to Discover, we may apply the payments and credits at our own discretion, even if they are at different rates. Would you like me to send you the terms of your account? XXXX XXXX at XXXX, XXXX XXXX : If what you 're telling me is how you practice your policies, then you 're breaking the law. XXXX XXXX at XXXX, XXXX XXXX : In accordance with that Credit Card Act of XXXX, with respect to the lower interest rate balance, you are expected to put the minimum towards that, and any excess is REQUIRED to go to the next highest interest rate balance, and so on and so forth. you go from lowest to highest when they are all different interest rates. Not sure who told you that you are n't held to the morals of the law. XXXX at XXXX, XXXX XXXX : I am sorry to hear that you feel this way and I want to ensure that your concern is heard. Would you mind if I connected you with my supervisor to ensure this matter is handled appropriately? XXXX XXXX at XXXX, XXXX XXXX : You had better because I would like an explanation as to why your company thinks it is above the law haha. Info at XXXX, XXXX XXXX : Please wait while your chat is transferred to XXXX. Info at XXXX, XXXX XXXX : Youre now chatting with XXXX. XXXX XXXX at XXXX, XXXX XXXX : Here 's an FYI XXXX XXXX at XXXX, XXXX XXXX : The Credit Card Accountability, Responsibility and Disclosure Act of XXXX made significant changes to how issuers can apply credit card payments to the consumer 's advantage. Any excess amount beyond the minimum payment must be applied to the balance with the highest interest rate. XXXX at XXXX, XXXX XXXX : XXXX Hello XXXX, I am a supervisor here in our XXXX XXXX office, I do see that you have been chatting with XXXX, allow me a moment to review this chat and I will be right with you, thanks. XXXX XXXX at XXXX, XXXX XXXX : If you are n't following the above measure, you are in direct violation of that statute. I will be forced to report your company to various legislators including the FTC, the CFPB and related organizations if this is what you state your company is doing. XXXX at XXXX, XXXX XXXX : XXXX You are welcome to take any actions outside of Discover as you see fit, I know it can be important to have more actions available. I do apologize for the confusion that you XXXX have at this time but all of your interest rates are the same. XXXX XXXX at XXXX, XXXX XXXX : Yes, when the interest rates are the same, I understand that, but your previous representative stated at any time you have the rights of discretionary action with respect to payments. This would absolutely include you would apply payments as you see fit at whatever balance you want them to go to. If you 're violating this : XXXX XXXX at XXXX, XXXX XXXX : The Credit Card Accountability, Responsibility and Disclosure Act of XXXX made significant changes to how issuers can apply credit card payments to the consumer 's advantage. Any excess amount beyond the minimum payment must be applied to the balance with the highest interest rate. XXXX XXXX at XXXX, XXXX XXXX : Then your company will be in serious trouble. XXXX XXXX at XXXX, XXXX XXXX : Your company can not do whatever it wants. XXXX XXXX at XXXX, XXXX XXXX : You are required to follow all legal processes. XXXX XXXX at XXXX, XXXX XXXX : If you are n't, well then your company will be prosecuted. XXXX at XXXX, XXXX XXXX : XXXX Thank you for that information, while we do act with respect for and follow the laws on lending, the act does allow some fluctuation, and while we do follow the law, we are also owed the debt. I am sorry if you have taken anything out of context from the previous chat, you are welcome to take any actions outside of Discover as you would like. While you have me on chat, did you have any other questions that I can assist you with about your account specifically? XXXX XXXX at XXXX, XXXX XXXX : I 'm going to forward this entire conversation over to my attorney 's office to get his opinion. His team of litigators work hard to make sure this type of fraud is stopped. XXXX at XXXX, XXXX XXXX : XXXX I hope you enjoy the rest of your day the best you can. XXXX XXXX at XXXX, XXXX XXXX : Your tone is not appreciated, and I do n't believe you are taking anything I 'm saying seriously.
08/13/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MN
  • 55412
Web
On XX/XX/XXXX I purchased some supplements from XXXX. The person who sold me the products signed me up for a monthly subscription without my knowledge. In XXXX, when I saw my Bank Account had been charged {$490.00}, and even though I had not received the products yet,, I contacted the Company to let them know I didn't want the products and demanded a refund. The representative I spoke with instructed me not to open the package when I receive it and to take it back to the post office and say that I was refusing the package. In the meantime I contacted my Credit Card, Discover and disputed the transaction as I wasn't willing to pay for a transaction I had not authorized. The Discover representative I spoke to was extremely rude and demanded that I call back to dispute the transaction once I had returned the package. I refused and insisted that she issue a temporary credit to my account while I navigated the return process, she finally badged and gave me temporary credit. The package was then delivered to me while I was out of the country and when I got back I did exactly what I was instructed to do by the XXXX representative. I took it to the post office and told the representative there that I was refusing the package and that it should be returned back to the sender. On XX/XX/XXXX, Discover reversed the credit I had received and posted the {$490.00} back on my account. I called discover again and informed them I had returned the package back to the merchant, and I believe another temporary credit was put on my account. On XX/XX/XXXX Discover again charged back the transaction to my account and this time I called XXXX asking why they had not refunded my money yet they had already received the package I sent back. According to the XXXX tracking page, the package had been delivered to XXXX on XX/XX/XXXX. The representative I spoke to stated they had received the package but didn't issue a refund as I had disputed the charge with my bank and they had reversed the payment. I explained that the payment that had been reversed had been sent back to them again. The XXXX representative stated she can not issue a refund as the bank had reversed the payment they received. At this point I conferenced in Discover and asked XXXX to verify they had received their product and that I should get my money back. XXXX representative verified on the phone that they had the returned product in their Warehouse. At that point the Discover representative asked that I send them the XXXX documents showing the product was returned and delivered to XXXX. She also issued a temporary credit to my account. A few days later, I uploaded the documents to my online Discover dispute, thinking this is done. On XX/XX/XXXX I noticed the {$490.00} charge was back on my credit card transactions history AGAIN! I also received an email stating I had a secure message from Discover. Upon logging into my account I got a message stating the Transaction I had disputed had been found to be valid. I was livid! I called Discover AGAIN to ask why this transaction had been posted to my account again after a XXXX representative had confirmed the product had been returned on XX/XX/XXXX and I had uploaded the requested documents confirming delivery was made to XXXX. I asked to speak to a XXXX and after being transferred around a couple of times I was finally connected with XXXX. I was furious as I've had to call Discover several times for the same issue. For the millionth time, I explained to the supervisor what was going on again. The supervisor said from the documents they had received from XXXX on XX/XX/XXXX, they had determined the transaction was valid. When I asked what documents had they received that proved the transaction was valid, he said he couldn't tell me. I asked why the last representative I spoke to verified on the phone that the product had been returned and that I had provided the proof they requested to show the product had been returned to the merchant, not enough to prove the charge was not valid and was told Discover now wants me to provide a promise for refund from XXXX in the form of an email or a letter. The supervisor asked if I had an email from XXXX stating they would refund me for the purchase. I told him I didn't and that shouldn't matter as I shouldn't be forced to pay for a product I not only didn't order, but had already returned. The supervisor insisted that they have to see a promise to refund in order to issue credit. I asked if I could conference with XXXX on the call, and again the XXXX representative verified the product had been returned. When I asked why they had not processed a refund, I was told to email Compliance as the representative could not help me with getting a refund as I had disputed the transaction and my bank had already reversed the payment. I was then told I would have to email compliance to get my issue resolved. I insisted that I needed to talk to someone and that I was not going to email Compliance. After a lot of going back and forth a XXXX from compliance got on the phone. I proceeded to explain what was going on and asked why a refund was never issued after they received their product. XXXX said a refund was issued sometime in XXXX. I asked him what account the refund was issued to as it never hit my account. He then said he needed to do more research to verify if a refund was made. I asked him to verify to Discover that the product had been returned and a refund should have been processed. XXXX confirmed again that the product had been received and I was due a refund. XXXX told the Discover representative that he too worked for Discover for 11 years as a Team Lead in the Disputes department and that he was very aware of what they were looking for. He promised to research the matter and get back to me shortly, but I never heard back from him, and still havent received a call from him, or anyone from XXXX, XXXX days later. After XXXX got off the XXXX the Discover supervisor told me that when XXXX calls me back to ensure I ask for an email stating a refund will be issued. I further expressed my disappointment with how Discover was making me jump through hoops to get a refund yet the XXXX had verified twice, I had returned the product and should get my money back. I told Discover it was unfair for them to dismiss my documents and assume I was lying by taking the XXXX side. At this point I told Discover I would contact the Consumer Financial Protection Bureau to file a formal complaint as I was done with the going back and forth. While preparing this complaint I logged into my online secure inbox to get the letter Discover Bank sent me on XX/XX/XXXX stating the transaction was valid. On the last page there was a document from XXXX bank titled XXXX XXXX XXXX. The document states : We are UNABLE to accept your Pre-Arbitration Case for XXXX, XXXX, Amount of case : {$490.00}. REASON : We are unable to accept your pre-Arbitration request because you cant come back with the same reason code when it comes to AA. If your CH still doesnt recognize transaction then the reason code should have been changed. You have lost all rights. We will not accept. Well, from the above mentioned document it is obvious that Discover messed up when processing the chargeback from XXXX credit card merchant and now theyre forcing me to get a promise for a refund for a purchase I never authorized and products I dont have. This is unacceptable. I want my money back.
10/08/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem with additional add-on products or services
  • FL
  • 342XX
Web
134 STAT. 282 PUBLIC LAW 116136XXXX. XXXX, XXXX The CARES Act was passed by Congress on XX/XX/XXXX and signed into law on XX/XX/XXXX Several time customer supports asked if I have received any basic support from family members, and or income support from the government. I stated that I have received a one-time payment to help with short-term costs basic income, at that point I was told that I was to use that income to pay my payment. Phone call on date : XX/XX/XXXX Payments were made until all finances were depleted. I ask if Forbearance or a temporary pause or reduce on the amount to the loan payments for a limited time while you build back your finances. I was told no and that I should ask family or friends to help make payments. Phone call on date : XX/XX/XXXX I stated that Under the CARES Act, due to the unforeseen situations, lenders are required to report my accounts as current, I was told that wasnt true and that Discover will report my account delinquent. Account reported several times. After several attempts I was finally permitted to make partial payments and was informed that the terms of my loan were changed and that it would be a permanent change. XX/XX/XXXX XX/XX/XXXX Loan Term changed XX/XX/XXXX late fee XX/XX/XXXX Loan Term changed XX/XX/XXXX Loan Term changed XX/XX/XXXX short term XX/XX/XXXX short term Modify loan or contract modification documents was requested over the phone on a recorded line, which is the same way Discover had me agree to for the agreement. Every time the loan changed terms ; I requested the document. I was told that they were online when I looked, they were not. I was even told that they would be mailed to me and they were not. Loan was modified : XX/XX/XXXX XX/XX/XXXX I have asked several times with Discover bank under the Contract agreement for arbitration and was denied when ask why I was told that it does not apply to my account/contract. On XX/XX/XXXX a formal request for Arbitration was set to Discover Bank representation XXXX XXXX XXXX they did not respond. On XX/XX/XXXX during court mediation, I asked for Arbitration the legal counsel stated that I can not receive Arbitration because it was only for credit cards. Arbitration : Agreement to Arbitrate. In the event of a dispute between you and us arising under or relating to this this Account, either you or we may choose to resolve the Claim by binding arbitration, as described below, instead of in court. Any Claim ( except for a Claim challenging the validity or enforceability of this arbitration agreement, including the Class Action Waiver ) may be resolved by binding arbitration if either side requests it. THIS MEANS IF EITHER YOU OR WE CHOOSE ARBITRATION, NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE SUCH CLAIM IN COURT OR TO HAVE A JURY TRIAL. ALSO, DISCOVERY AND APPEAL RIGHTS ARE LIMITED IN ARBITRATION. Even if all parties have opted to litigate a Claim in court, you or we may elect arbitration with respect to any Claim made by a new party or any new Claims later asserted in that lawsuit. This arbitration agreement does not apply if, on the date you submit your application or on the date we seek to invoke this arbitration agreement, you are a member of the XXXX XXXX or a dependent of such a member covered by the federal XXXX Lending Act. If you would like more information about whether you are covered Under the term of the Contract and Federal Arbitration Act : Discover bank has denied my right to Arbitration and has taken this to small claims court and seek judgment. Case number : XXXX File number : XXXX Account XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX. XXXX XXXX. Failure to arbitrate under agreement ; petition to United States court having jurisdiction for order to compel arbitration ; notice and service thereof ; hearing and determination A party aggrieved by the alleged failure, neglect, or refusal of another to arbitrate under a written agreement for arbitration may petition any United States district court which, save for such agreement, would have jurisdiction under title 28, in a civil action or in admiralty of the subject matter of a suit arising out of the controversy between the parties, for an order directing that such arbitration proceed in the manner provided for in such agreement. Five days ' notice in writing of such application shall be served upon the party in default. Service thereof shall be made in the manner provided by the Federal Rules of Civil Procedure. The court shall hear the parties, and upon being satisfied that the making of the agreement for arbitration or the failure to comply therewith is not in issue, the court shall make an order directing the parties to proceed to arbitration in accordance with the terms of the agreement. The hearing and proceedings, under such agreement, shall be within the district in which the petition for an order directing such arbitration is filed. If the making of the arbitration agreement or the failure, neglect, or refusal to perform the same be in issue, the court shall proceed summarily to the trial thereof. If no jury trial be demanded by the party alleged to be in default, or if the matter in dispute is within admiralty jurisdiction, the court shall hear and determine such issue. Where such an issue is raised, the party alleged to be in default may, except in cases of admiralty, on or before the return day of the notice of application, demand a jury trial of such issue, and upon such demand the court shall make an order referring the issue or issues to a jury in the manner provided by the Federal Rules of Civil Procedure, or may specially call a jury for that purpose. If the jury find that no agreement in writing for arbitration was made or that there is no default in proceeding thereunder, the proceeding shall be dismissed. If the jury find that an agreement for arbitration was made in writing and that there is a default in proceeding thereunder, the court shall make an order summarily directing the parties to proceed with the arbitration in accordance with the terms thereof. On this Dated I submitted this letter bellow I was completely ignored and was told that neither the payoff or the Arbitration would be accepted. XX/XX/XXXX Dear XXXX XXXX XXXX. I am offering to settle this debt in the amount of XXXX XXXX dollars ( {$5000.00} ) to DISCOVER BANK. Under Florida Statute 222.11 I am classified as head of house hold and this is all that my family and I have to settle this case, if you decide to accept the terms, conditions which are to remove any and all negative remarks that DISCOVER BANK has placed on my credit profile from any and all credit reporting agency system. If DISCOVER BANK chooses not to accept then I would like to request a COMPELLING PRIVATE ARBITATION per the ( Arbitration Clause ) agreement in the contract. Throughout the year XXXX, DISCOVER BANK has changed the terms and conditions of the Loan a total of five times, I have asked for the new loan terms and a copy of the terms every time only to be denied. The amount that has been entered in court documents are not factual nor are they a true reflection of what is owed according to last statement or account balance. Feel free to contact my attorney if you have any further questions. If you choose to accept, please reach out to my attorney on file. You have until the date of XX/XX/XXXX to respond if no response is received XXXX XXXX BANKRUPTCY will be filed. Yours truly, XXXX XXXX.
10/01/2020 Yes
  • Debt collection
  • Private student loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 77406
Web
Complaint regarding treatment and harassment by Discover card. XX/XX/2020 The following is a letter I emailed to discover in the first of XX/XX/2020, which explains my financial difficulty during the Covid 19 pandemic, following this letter is my story on the horrendous treatment by Discover and their employees. Hello, as you know the Covid 19 pandemic rages on. My financial loss is great and money I would have never spent if was not for this virus I would have used to pay my bills as you notice based on my record I have faithfully paid my bills, I am only having difficulty since XXXX when this pandemic was and is in full effect. I live in Texas, my wife and I moved here to be close to our grandchildren. The Covid 19 pandemic here in Texas is out of control. Our reason for being here is not possible with this pandemic, I live on a fixed income, my wife is XXXX, in XXXX I lost my XXXX year old XXXX, XXXX XXXX, the love of our lives. Now XX/XX/2020 we have the arrival of my XXXX year old stepson XXXX who was recently released from jail, I now have the added financial difficulty of housing, feeding, clothing, and supporting a XXXX year old man who has nothing. This is another financial difficulty as if the Covid 19 was not enough. There is at this time no stimulus payment coming in sight. This pandemic still forces us to stock pile basic supplies including toilet paper, food, water to name a few, and now we are in Hurricane season, this is a strain on my finances. All I am asking is to freeze my account, without penalty to relieve the financial pressure until, or if this pandemic eases. I am trying to find work to supplement my income but I must work from home because I am my wifes caregiver, and I have to take care of her. Anything you can do to freeze my accounts and relieve my monthly payment, with no penalties would help me, even if it is on a month to month basis. For your information and assistance. Thank you XXXX XXXX Complaint on Discover I have been a diligent credit holder of Discover for some time, always paying my bills on time and never having my account go overdue, until XXXX when Covid 19 impacted me financially, however I still paid my bills. I have made numerous calls and sent letters to Discover about my financial situation, they say their calls are recorded so there is computer documentation and recordings on the chain of events. In XXXX, Discover granted me Covid 19 financial assistance by freezing my loan for 3 months, after that expired, it was on a month to month basis, which required me to call on the XXXX of each month and ask for assistance which they granted. In XXXX the loan payment was due on Sunday, XX/XX/2020. Discover loans was closed, they are only open XXXX, for loan assistance. I called Discover on Friday, XX/XX/2020 to ask what to do since the loan payment is due on a Sunday. I was told by customer service to call on Monday, XX/XX/2020, even though the loan was due, so I did. On Monday XX/XX/2020 I called Discover loan and requested financial assistance, they received the copy of my email I sent them, explaining my circumstances. They granted me assistance and froze my loan payment. On XX/XX/2020 I received a letter from Discover indicating my next loan payment was due on XX/XX/2020, this matched my information on the Discover website when I signed in to check my loan status. It is still there currently, and has not changed since XX/XX/XXXX when I called Discover. On XX/XX/2020 I received a letter from Discover that my loan was overdue, along with a payment penalty that was due, how could this be since on XX/XX/XXXX I was on Covid 19 financial assistance. I called Discover and customer service stated there was a mistake and the payment for XXXX, was applied to XX/XX/XXXX, how could this be since it violates their own policy of calling on a monthly basis, how could they delay a payment for XXXX to XXXX and then XXXX which is what the records state. Customer service said they prepared a ticket to fix XXXX and my next payment would be XX/XX/2020 which it what it said all along. They also fixed the late fee and removed it off my account. On XX/XX/2020 at XXXX XXXX till XXXX XXXX I received 3 phone calls from discover attempting to get me to pay a debt. This required me to call Discover numerous times and each time a customer service representative gave me a different explanation on what had happened. Finally my wife and I on XX/XX/2020 called and spoke to a manager named XXXX. She said she would fix the problem and my next payment, again would be XX/XX/2020. We also found out that the customer service agent on XX/XX/2020 made a mistake and never backdated the payment, an error by Discover, which caused all my problems. On XX/XX/2020 my Discover credit are was declined 3 times while shopping and when I got home I looked online and saw that Discover removed the remaining credit balance on my card, thus freezing my card. There were also numerous calls on my answering machine from Discover requesting payment. This is harassment calling me on the phone for their error, when the problem was in the process of being fixed. We called Discover and waited all day to speak to XXXX which she called, late in the day. She stated their was nothing she could do, and I would have to pay the loan amount to unfreeze my credit card. She also stated that the Covid 19 assistance ended in XXXX, something I was never told by Discover. The only option open to me was to pay the XXXX and release my account which would clear in about 1 week. This is robbery forcibly making me to make a payment to allow me to use my credit card which is vital during Covid19. This is money I do not have, but I have to struggle to make a payment, and not pay other bills, I do not even know if Discover notified the credit bureaus, all on a mistake they made. When I tried to make the payment on XX/XX/XXXX, online, Discover would not allow me to make a payment unless I paid XXXX payment as well, requiring XXXX to take a payment over the phone, I was on a 3 way call with XXXX, and an agent from Discover Card. Then the payment went through, but I was told the payment was after XXXX XXXX by Discover Card and it would take a week before it was cleared up, but XXXX saw the payment cleared. Then I asked Discover Card if the credit that was on my card unfrozen and she said yes. However they never restored my remaining credit amount, so she put me on hold and restored the amount, after she said the card was ready for use, if I did not ask I would still have a problem with the credit card, this what Discover does, misinformation, at the clients expense. My card is restored, as of now but I have not used it. I was forced to make a payment I did not have, and now I owe a payment due XX/XX/XXXX which is a double payment, and this all because a mistake made by Discover. I was told to call in a week to see what can be done about XX/XX/XXXX payment since I do not have it. Today on XX/XX/XXXX I received an email that was dated yesterday saying they froze my credit card, this after they froze it, I received the letter. My financial burden is worse because of Discover, I can not pay bills to survive, money I had saved for bills went to Discover. And Discover advertise that Discover cares, and Discover Values and Discover We treat your like you treat you where did they treat me at all fairly, they are killing me. XXXX XXXX
01/12/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • TX
  • 77084
Web
Dear Discover Card Services Team, I would like to initiate a complaint in regards to recent information that was erroneously and negligently given to me by the Discover team, which led me reach very high levels of debt with my Discover Credit Card, which unfortunately change my course of decisions related with this matter. My name is XXXX. and until recently, I truly never had any issues with my credit card, my limits or even my credit score. I have a friend that has owed me money for the past couple of years. Because my house sustained damages during the most recent Hurricane Harvey in XXXX, TX where I live and since he is currently living outside of the United States. He suggested paying me back using my credit card debt I had with Discover CC on the last month of XX/XX/XXXX. Since I am not an expert in financial matters, I contacted the Discover Call Center on Sunday XX/XX/XXXX and spoke with XXXX, I explained to him the situation I was in. He agreed that I should and could give my friend my credit card number in order for him to make payments on my behalf to my account. He placed comments and notes to document on my file in case anyone wanted to review my case or update any information. At this point, I called my friend and gave him my card number and he made a full payment of my Credit Card debt for {$9600.00} on XX/XX/XXXX, which Discover acknowledge received payment through email on the XX/XX/XXXX. My CC limit was {$10000.00}. Because everything was pay off but I still did not have any cash to fix my house, my friend suggested to request cash advanced to get some cash, not only for me but also for him since he does not have either access to any cash. On Sunday XX/XX/XXXX, I called Discover again and I spoke with XXXX from Illinois, I explained to her that my friend had paid all of my CC debt and again she confirmed my XXXX balance, so I told her my plan of requesting a total of {$20000.00} cash advanced in 4 weeks time to get cash to fix my house ; she placed me on hold for a bit, only to return a few minutes later to inform me that everything had been approved. She even made comments of casual nature, stating how nice my friend was, which put me even more at ease. She provided the XXXX XXXX XXXX information in XXXX where I could go and get the first {$5000.00} cash advanced out of my {$5500.00} cash advance permitted on my credit. After I explained again to XXXX my intentions and she stated that she could see the previous comments and notes on my account and that she was also documenting the new cash advanced authorized and approved for me to proceed. At this point I still felt secures and protected because Discover had approved and authorized the transactions and everything was documented on my file. I received the first cash advanced on XX/XX/XXXX, after XX/XX/XXXX. My friend transferred money from his account on XX/XX/XXXX in order to satisfy the payment of the first cash advance. Later that same week I called yet again, to verify that everything was in order. I spoke with operator and additionally I received a confirmation email from Discover stating payment of the amount of {$5400.00} had been received and postdated on XX/XX/XXXX under confirmation number : XXXX and that it had been applied to my CC account. It was my first cash advance for the amount of {$5000.00}, plus the {$250.00} cash advanced fee and {$220.00} doctors appointment payment. Up to XX/XX/XXXX Discover have not said anything else about the first payment made on my CC on XX/XX/XXXX from my friend. The following week on Monday XX/XX/XXXX I went again to XXXX XXXX XXXX to get my second cash advanced approved transaction for {$5000.00} plus the fees and {$2400.00} medical payment for a total of {$7600.00}, which I also received an email from Discover that it has been paid under confirmation number : XXXX. Not happy with only the email I contacted Discover again and again I was informed the payment had been received and the payment had been applied to my account. On XX/XX/XXXX I went to the XXXX store and tried to ship a package and my Discover Card was declined, even though I had recently received a statement that my Credit Card account balance was {$0.00}. This was a complete surprise to me since nobody has called, texted or emailed me. Upon returning to my office, I call the Help Center and my call was transferred to Verification, which was answered by operator called XXXX. He was extremely rude and condescending, and after speaking to him for a few minutes it was obvious to me that he didnt even read the notes and comments on my file that apparently everyone else had access to. He did not even know that I was not me making the payments from my own account. He treated me like I was a delinquent and he demanded that my friend should get in touch with them to verify his accounts. I would ask you that you review this conversation, even if its for training purposes. I can assure you that I have never experienced this kind of service or treatment from any customer-facing company like Discover with whom I have impeccable records for a long time. I offer this gentlemen my friend phone number, which he refuses in a very mean way. A few days went by and nobody from Discover contacted me. However, I received a letter in the email stating that Discover can no longer satisfy my needs anymore and to please destroy the credit card and send back to them. If there was an issue with the first transaction and payment, how come Discover authorized the first cash advanced and furthermore the second cash advance was allowed? My credit limit would not have allowed for the first or second cash advance if they payment of {$9600.00}, have not been successfully received and applied the first time. Of course, I am shock. I have never done anything inappropriate nor illegal. When I was not sure of a proper course of action, I called your offices to seek guidance. If you review my file and listen to the recorded conversations for training purposes you will see that the only reason why I preceded with the cash advances was because the staff and leadership of Discover informed me it would not be a problem and it was approved. I will begin that payment of the starting balance of what my initial balance was {$9600.00}. However, I will be reaching out to other entities and private parties in order to look into this further. I feel misguided, mistreated and ultimately penalized for something that is not my fault. I have deposit to my friend the two cash advanced that he needed and I have physical prove of that in case Discover want to follow up the information. I felt everything was inappropriately managed and in a very negligent manner. I have sent this letter to Discover last XX/XX/XXXX and they interpreted as I want them to reopen my account, which is the least on my mind. I do n't want to deal with Discover ever in the future. But some how I am having difficulties making my payments for the high amount that I would n't have if they were checking and doing their job properly. I talk to a financial lawyer and after checking all the information he is assuring me that my case is a clear case of negligence from their side, since It would n't be possible to get any cash advanced since my CC limit was {$10000.00} only- Please advise since I lost all my confidence in the system. Thank you
01/25/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • OH
  • 44312
Web
Hello, On XX/XX/XXXX, I submitted a complaint through the CFPB, case XXXX. On this I attached a sworn affidavit and a complete list of all disputed transaction which have occured on my account. I also included information stating that my XXXX account was taken over by a child I was babysitting and used my card to make unauthorized purchases through XXXX. The original complaint ( Complaint ) with its original attachments, transactions disputed ( XXXX XXXX ) and sworn affidavit ( Report ) are attached. On XX/XX/XXXX, I received a call from the Fraud team at Discover which I confirmed the disputed charges as all charges from XXXX on the account and explained the situation to them. See attached file named " Call XX/XX/XXXX '' for a recording of this call. By XX/XX/XXXX upon returning home, I received a letter in the mail from Discover. This letter was an acknowledgement letter for some charges on my account up to XXXX but was missing the majority of the disputed charges. I called Discover at the number provided on the letter to explain that there were multiple missed charges from my dispute. I also explained that the affidavit and acknowledgment letter were not correct and was missing information. I inquired about the list of charges and affidavit I had already supplied via complaint XXXX. The agent stated the company " never received '' these documents, I asked if it was alright to resend this information instead of completing the inaccurate affidavit and I was advised yes. The call is attached see " Call XXXX ''. The letter received is also attached see " XXXX XXXX '' files. This letter was mailed out to the address on the letters received directly from Discover via XXXX XXXX Mail. XXXX XXXX number XXXX shows delivered XX/XX/XXXX at XXXX XXXX XXXX, UT XXXX without redirect. XXXX information ( XXXX ) and the letter itself ( XXXX ) is attached. On XX/XX/XXXX, Discover mailed out a letter advising the dispute was denied. There were no denial reasons listed and no documents to support their investigation were enclosed. See attached file named " XXXX XXXX ''. On XX/XX/XXXX, Discover attempted to contact me regarding the rebill but this call was missed and the voicemail wasn't listened to until XX/XX/XXXX. On XX/XX/XXXX, I received the letter sent on XX/XX/XXXX. I called the number provided on the letter and spoke with the agent who worked my case. This agent advised the dispute was denied for various reasons. These reasons were payments made while disputed charges were on the balance without questioning the balance, there was continued use of the card during which the fraud occured, the app is accessed regularly to respond to alerts, and transactions were viewed without dispute. 1. As I advised in my original dispute with a sworn affidavit, I still had my card. My card was compromised via my XXXX account. As I still had my card I was still using my card and thus still making payments. I was not aware of the unauthorized charges at this time. Thus the denial reasons for making payments and continued use of the card are not valid and do not prove I made the purchases. 2. As I advised in my original dispute with a sworn affidavit, I was unable to closely monitor my account due to medical issues. Once I saw the unauthorized charges- which is when they state I viewed transactions without dispute ; however, this is exactly when I disputed the charges. The only time I viewed these transactions was when I was compiling information to dispute the charges. Thus the denial reason for viewing transactions without dispute is not valid and does not prove I made the purchases. 3. My cards were compromised through my XXXX account. I still had access to the app as did the individual who I was babysitting as I was babysitting in my house. This is exactly how the XXXX account was compromised. On top of this, I still used the app to make payments on my account because I still had access to the card. Thus the denial reason for continued use of the app is not valid. I explained this to the agent on XX/XX/XXXX and they stated they would redispute the items but it XXXX not change. I then requested for all the documentation used to decision my case- to which the agent stated to go to discover.com/fraud/faqs which is not what I requested and does not remedy the issue. This address provided by the agent also is not a valid address. I asked again for the documentation and the agent stated they would put me on hold for a supervisor without me asking for a supervisor. The agent returned and stated they have placed a call back request ( I have not received a call back ) for a supervisor when available. I stated I XXXX miss the call, and I began to ask for confirmation about the redispute when the agent hung up the call. See attached file " XXXX XXXX '' for the recording of this. The letter received is also attached see files XXXX XXXX. Discover is in direct violation of multiple federal laws and regulations with this abuse. 1. The charges originally disputed on XX/XX/XXXX were not addressed despite me provided a full list of charges and sworn affidavit. These charges have not been addressed to this date, the few charges that were have been rebilled. This is in direct violation of the XXXX which states the issuer must acknowledge the dispute within 30 days and come to resolution by 60 days. 2. During this time in which the disputed charges were ignored by Discover, I was still subject to making payments on the disputed charges. See attached statement named " XXXX ''. This is in direct violation of the XXXX which states financial institutions can not collect on disputed balances. XXXX. By both missing the disputed charges as well as denying the unauthorized charges for invalid reasons, the company is in violation of the FCRA as the reporting balance and payments due reported to the credit reporting agencies are inaccurate. 4. By advertising " {$0.00} Fraud Liability '' stating the cardholder will " never '' by responsible for unauthorized purchases without clarifying disclosures, Discover is in direct violation of XXXX as this is deceptive and not true as they have rebilled my account in error without sufficient evidence. See attached imagines " Disclosure1 '' and " Disclosure2 '' received directly from discover.com/credit-cards/card-smarts/credit-card-fraud-faqs. 5. The agent I spoke with which represents Discover on XX/XX/XXXX violated XXXX as well by creating circumstances that I can not reasonably control or avoid in regards to disputing my charges and requesting documents used to decision the case which itself is a violation of the XXXX - banks are required to provide this documentation. 6. By not performing a reasonable investigation Discover is in violation of the XXXX. I have done more than enough to communicate with Discover on what charges were disputed and how my card got compromised. I have taken steps to prevent this in the future by shutting down the compromised XXXX account used as well as changing my e-mail address as it had become compromised as well. Discover has at multiple points in this interaction disregarded information provided to them and have resorted to abusive practices to avoid having to correct the issue they caused. If the issue is not rectified regulatory commissions and the attorney general will be notified.
01/04/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 10011
Web
XXXX XXXX XXXX, XXXX XX/XX/2020 Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Dear CFPB : I used my Discover card to make a payment to a property manager to cover the rent for a friend who was subletting an apartment. XXXX XX/XX/2020, I paid {$2000.00} to XXXX XXXX XXXX using the logon information given to my friend by the current leaser of the apartment. I did not share my credit card information with anyone else except directly with the XXXX web site, a third-party entity that merely processes the transaction, as required to make the payment. Apparently, the current leaser then logged on to the clickpay site ( the site that the property manager asks tenants to use to pay their rent ) to confirm that the payment was made. The leaser claims that he made an additional {$5000.00} payment using my credit card information which was saved by Clickpay by accident. He logged on the following day, XX/XX/XXXX and made another payment to his account with my credit card and has no explanation how or why that happened. I had my Discover card in my possession the whole time and never lost control of my card. I discovered this on XX/XX/XXXX and called XXXX to alert them of. these two {$5000.00} charges that I clearly and obviously never authorized. It is self-evident that the first transaction of {$2000.00} was one that I personally made with my card and at that time, and it is clear that charge was authorized. It is just as self-evident, that the second two transactions, for {$5000.00} were NOT transactions that were in any way authorized. They attempted to reverse the transactions but said that they could not. They assured me that if I call Discover that they should be able to reverse the charges. XXXX also removed all of my credit card information from their system immediately. I did not intend nor was I aware that my card information had been saved in their system. I called Discover and spoke to the fraud protection department and explained the situation and reported the unauthorized charges as fraud. They issued a temporary credit for the {$10000.00} charges ( plus the service fees that were charged by XXXX ) and began an investigation. A few days later I discovered that my friend was never given the signed sublease agreement which was promised to be given to him as soon as the {$2000.00} payment had been made, I then called Discover and. told them to add the {$2000.00} payment to the charges that were. being disputed and reported as fraudulent as the agreed upon sublease was never delivered as agreed it would be after the payment had been made. I called XXXXXXXX XXXX XXXX to discuss with them the fraudulent nature of the payments that were made. Despite numerous calls to. their main number I was only able to get voicemail. I left the details of what happened on several voicemails. I never got a call back from XXXX. I began the process of filing a police report and communicated with the chief of the XXXX division of the XXXX, XXXX XXXX, who put in touch with one of his detectives. His detective spoke by phone and i. gave him a summary of what occurred. He was scheduled to meet me that day so he could take my report. This was around XX/XX/XXXX, and the protests had begun after the death of XXXX XXXX. The detective was not able to meet. me. at the arranged time and I did not reschedule, as it seemed like the XXXX had their hands full dealing with the protests. In addition to reporting these charges to Discover fraud protection and having the three charges disputed I also cancelled my Discover account and opened a new account with a new card and new account number. I received letters later from Discover indicating that they never got verification from the. merchant ( XXXX XXXX ) and that my temporary credits would become permanent and the case closed. Everything was apparently settled until midXXXX when i noticed that my balance to Discover had increased by over {$20000.00} with no explanation from Discover. I called and was told that the merchant Icon had finally responded to the written request Discover had sent them asking if the charges were legitimate or not. The response indicated that they were legitimate. Discover had no further information about the charges, what they were for or why they were legitimate despite my clearly indicating they were not. They sent me nothing in writing to demonstrate the legitimacy of these charges. When I referenced their fraud protection program that the customer is responsible for {$0.00} for any unauthorized charges, they claim that because I provided the credit card information that was necessary to make the initial payment of {$2000.00} to clickpay, that any subsequent charges were considered a billing error and not a fraudulent charge. This seemed preposterous and not in accordance with their fraud protection policy. The additional charges of {$5000.00} and {$5000.00} were absolutely not authorized by me and in no way reflect a billing error. They could not explain why this occurred after I had already been told the credits were permanent ( over 90 days after the charges were made ). They were reminded that the law limits the customers responsibility as long as the customer has the physical card in their possession when the disputed charges were made ( which was the case ). They were not able to adequately explain why the charges put back on my card were in excess of {$20000.00} when the disputed charges were only {$12000.00}. They offered to submit an appeal which would take 30 to 60 days. This discussion took place around XX/XX/XXXX. Discover has left all the charges o my account ( currently at {$25000.00} ) and has not communicated with me at all about the repeal. Several calls I made to get an update were not returned, no one was available to speak with me at the times I called. This situation has negatively impacted my credit score and my ability to refinance my mortgage. I submitted in writing another request to Discover about a week ago to update me about the appeal, but they have not responded. I am asking the CFPB to intervene in this matter. I ask to learn how Discover can possibly claim that their fraud protection policy does not cover my substantial losses when I indicated to them 2 days after the charges were made that they were fraudulent, unauthorized charges and that I had my card in my possession. I ask that you compel, by whatever means at your disposal, Discover Bank to remedy the situation by crediting my account for all charges that were put on my account due to these fraudulent transactions. In addition, I ask that you consider adding additional regulations to ensure that no other American is forced to suffer the stress and trauma that I have been forced to endure while STILL not finding a resolution. If I, as a customer of 34 years who has spent over {$100000.00} in just the past 12 months, have been bullied as I have been by this company, I can not imagine what a customer with fewer years of loyalty under their belt is treated. As a XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX and XXXX XXXX, I know all too well the terrible toll that such maltreatment and bullying can cause. Thank you very much. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
01/17/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07017
Web
The following is detailed account of the events that lead me to request that the Delinquent mark Discover recently submitted to the credit bureaus be removed from my cre dit report and their response to my request. On XX/XX/XXXX, I made a payment of {$5200.00} that I honestly believed based on the information presented to me on Discovercard.com, covered the entire statement balance. Believing that I had paid off the card In Full coupled with the next day, seeing the Current Statement Balance read {$0.00} and the Minimum Payment Due read {$0.00} I did not give the account a second thought. Its important to note that Actual Statements for some reason, are unavailable on my Discover Card online account, only Transaction History is available. This should be investigated. I have had this credit card account with Discover since XX/XX/XXXX ( 16 years ) and have never had a single late payment. In fact, I have not been late on any debt Ive held in my lifetime, including my home mortgage, even during my most extreme hardship - the financial crisis of XXXX. I have spent my entire life treating my financial responsibilities with the utmost respect and as a result, have maintained a perfect payment history, until this most unfortunate circumstance. If I had known that I still needed to make a payment on this account I would have paid it immediately without question. In fact, I would have gladly paid triple the amount, not to have my credit blemished for the next 7 years! However, since this account had been on auto-pay for many years and I had stopped using the card for purchases several years ago, all of the contact information Discover had on file for me was out of date. Therefore I did not receive the notifications or statements that were sent to me attempting to inform me of the outstanding balance of {$80.00}. As soon as I was alerted by XXXX XXXX ( A Credit Monitoring Service ) via email on XX/XX/XXXX, that Discover had reported me as Delinquent resulting in a 100 point reduction in my overall credit score, I immediately called Discover and made the payment of what was described by Customer Service Supervisor XXXX of XXXX, AZ as the result of Residual Interest. I made certain that the absolute final amount owed was in fact {$80.00}, and paid it on XXXX XXXX XXXX. In an attempt to keep this from ever happening again, I updated all of my contact information and also reinstated auto-pay - though as I said to XXXX, I did not remember ever having deactivated auto-pay in the first place and I would like this to be investigated. My long activity history shows that this account has been on automatic payments for many years without interruption. Only after I had paid the entire balance In Full ( Or so I thought ) with the amount of {$5200.00} on XXXX XXXX XXXX, did the automatic payments suddenly stop, unbeknownst to me, which meant that the Residual Interest I was not aware of, would not be payed automatically either as I had been accustomed to for years. It is my hope that Discover would recognize this was simply a perfect storm of misunderstanding and out dated contact information that resulted in this incredibly damaging and disproportionate negative mark against my otherwise spotless payment history. My honest intention was and always has been, to pay my debt In Full to Discover - and this Fact is proven by my entire lifes perfect payment history - over 20 years! After several calls to Discover Customer Service and their FICO Team in attempt to resolve this matter more favorably, it has been made clear to me by several customer service members and supervisors that their reason for not removing the Delinquent mark is because Discover is required by the Fair Credit Reporting Act ( FCRA ) to report accurate information to the credit bureaus, however : 1 ) Discover is not required by any law to report anything to the credit bureaus. Reporting to the credit bureaus is described in the FCRA as being a Voluntary and therefore Discover does in fact have the ability to retract the information reported with zero risk of liability or adverse action of any kind. 2 ) Discovers own Corporate Code of Ethics declares their desire to, Follow both the letter AND THE SPIRIT of the law ( emphasis added by me ). Therefore it stands to reason that if Discover has been made aware of a consumers misunderstanding, inability to have been contacted, has access to evidence of the consumers perfect payment history, a record of an obvious attempt to pay the account in full and has received the remaining final payment immediately upon his learning of the oversight, Discover has, according to its own Code or Ethics, the responsibility to act in the best interest of customers, and retract the damaging mark from his credit report because : a. The letter of the law is to report accurate information to the credit bureaus, if the Furnisher voluntarily chooses to do so, for the express purpose of being converted into a score which is then able to be interpreted by financial institutions to determine a prospective borrowers Creditworthiness. I contend that the information Discover has voluntarily furnished the credit bureaus in this case, is more Inaccurate than it is Accurate as the information submitted would lead financial institutions to believe that I am a risk of late payment, when in fact that couldnt be further from The Truth as evidenced by my perfect payment history of over 20 years and my having paid the remaining balance as soon as I learned of its existence. Interpretation of the information submitted by Discover would lead other institutions as well as Discover itself, to come to untrue determinations about my creditworthiness, character, and general reputation. 660.4 Fair Credit Reporting Act b. If the spirit of the law as stated in Discovers own Code of Ethics is in fact to Act in the best interest of customers, Discover has violated its own Code of Ethics along with the spirit of the law of both the Federal Trade Commission Act and the Fair and Accurate Credit Transactions Act of 2003 where the Missions of each statute are stated plainly on the government website ( ftc.gov/enforcement/statutes/fair-accurate-credit-transactions-act-2003 ) as to Seek monetary redress and other relief for conduct injurious to consumers and most simply for Consumer Protection. I contend that this Delinquent report to the credit bureaus for the remaining residual interest in the amount of {$80.00} is Unfair, Inaccurate, and Injurious to me as a consumer, due to the disproportionate financial repercussions I am now exposed to for a simple misunderstanding coupled with unfortunate circumstances that I immediately rectified upon my learning of it. Today, it is commonly known to be standard practice for not only financial institutions to utilize credit reports, but other institutions as well, such as : insurance companies in setting rates, businesses making employment decisions, landlords determining whether or not to rent to a prospective renter, auto sales and more. As a direct consequence of Discovers voluntarily reporting to the credit bureaus, I will incur costly and undue, but lawful discrimination from countless institutions for the next 7 years.
08/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CT
  • 06042
Web
I ordered my credit report. On my report it showed that the amount due on both accounts were charged off. A charge off is synonymous to a certificate of indebtedness & the IRS publication XXXX considers a charge off/ XXXX income & income can not be reported on a consumer report. I also never received any 1099-c form as a receipt for the cancelation of that debt. I called Discover Financial Services Customer Service for Credit Card Holders over the course of the last week on multiple occasions. They also have the phone records and it links them to my account. I read them their privacy policy which will be attached below verbatim and expressed that I was exercising my right to OPT-OUT of any and all of my personal, financial and confidential information being furnished to any third party non-affiliates such as credit bureaus like XXXX, XXXX, XXXX, XXXX XXXX and XXXX. Some agents claimed they couldn't opt me out and I spoke to supervisors who said they could opt me out and made claims that they did. Yet I ordered my credit reports from all the bureaus and my information is still being illegally reported. I asked them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting to no avail and more disrespect. This is a clear VIOLATION of my consumer rights under 15 U.S Code 1681b -Permissible purpose of consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( XXXX ) in accordance with WRITTEN INSTRUCTION of the consumer, to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. 15 U.S.Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1666b. A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any reason. My account displays clear VIOLATIONs of my consumer rights According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( 2 ) a ( 1 ), EXCEPT AS PROVIDED in paragraph ( XXXX ), the term " consumer report '' does not include reports containing information solely as to TRANSACTIONS. Therefore, I request that my TRANSACTION between Myself and Discover Financial Services, be updated to what is fair and equitable to me as a consumer. I request Accounts be updated to, PAANL ( Paid As Agreed Never Late to my consumer report. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the Accounts LISTED be BLOCKED and DELETED IMMEDIATELY! YOU ARE IN VIOLATION OF EVERY CODE IVE IDENTIFIED. Discover Financial Services privacy policy Specifically says they cant share information on credit worthiness. They have been reporting 14 months worth of creditworthiness information unlawfully without my written or verbal consent for account ending in ( XXXX ) and reporting 30 months worth of credit worthiness information unlawfully without my written or verbal consent For account ending in ( XXXX ). That's grounds for an {$14000.00} pay out for account ending in ( XXXX ) & a {$30000.00} pay out for account ending in ( XXXX ) according to 15 U.S. Code 1681 ( n ), which allows for { {$1000.00} } per violation. They're in DIRECT violation of 15 U.S. Code 6801 - Protection of nonpublic personal information Specifically this subsection 15 U.S. Code 6801 ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. XXXX XXXX XXXX - Form of opt out notice to consumers ; opt out methods. - ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. Every discrepancy I mentioned herein is also a violation of the Privacy Act of 1974 FCRA Permissible Purpose The FCRA protects consumer privacy in multiple ways, including by limiting the circumstances under which consumer reporting agencies may disclose consumer information. For example, FCRA section 604, entitled Permissible purposes of consumer reports, identifies an exclusive list of permissible purposes for which consumer reporting agencies may provide consumer reportsXXXX including in accordance with the written instructions of the consumer to whom the report relates and for purposes relating to credit, employment, and insurance. The statute states that a consumer reporting agency may provide consumer reports under these circumstances and no other. In addition, FCRA section 607 ( a ) requires that [ e ] very consumer reporting agency shall maintain reasonable procedures designed to... limit the furnishing of consumer reports to the purposes listed under section 604. And FCRA section 620 imposes criminal liability on any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to an unauthorized person. In addition to imposing permissible purpose limitations on consumer reporting agencies, the FCRA limits the circumstances under which third parties may obtain and use consumer report information from consumer reporting agencies. FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. The FCRAs permissible purpose provisions are thus central to the statutes protection of consumer privacy. Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. The Bureau and the Federal Trade Commission ( FTC ) have collectively brought numerous enforcement actions to address violations of the FCRAs permissible purpose provisions. For example, in a case that resulted in a XXXX settlement with a consumer reporting agency, the FTC alleged that the agency violated the FCRAs permissible purpose provisions by providing consumer reports to persons without a permissible purpose, resulting in at least 800 cases of identity theft. More recently, in XXXX, a group of companies and individuals settled Bureau allegations that they obtained consumer reports without a permissible purpose when they obtained consumer reports for use in marketing debt relief services. Also in XXXX, a mortgage broker settled FTC allegations that it used consumer reports for other than a permissible purpose when, in response to negative reviews on a website, it publicly posted information it had obtained from a consumer report about the reviewer.
07/12/2017 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • IL
  • 60559
Web
I got a call today on XX/XX/XXXX at XXXX from phone # XXXX and they stated that they were calling from the XXXX County Circuit Court Civil Division ( it also showed on my caller ID ). He gave me his name but I didnt write it down, he explained hed been trying to get ahold of me and had been unsuccessful. The person asked me if someone over the age of XXXX would be home tomorrow to be able to sign? I said No, I work, why? He then stated he needed to give me papers and someone over the age of XXXX needed to sign. He then verified my name and address.Then he said well how about the weekend? you can call this # XXXX and you can set up to pick up on the weekend, I can give you the case #. I said Ok? From who? He went on to explain that he has a sealed envelope and didnt know what was in it, he just needed to give this to me. I was thinking out loud and said Oh maybe its the ticket that I got last month but I already paid it He said Yeah sometimes these things take time to clear up, you need to call them to find out what they need. Then he said It says here its a XXXX Form, to schedule to pick up the paperwork you need to call this # XXXX and when you call you need to give them this case # XXXX At that moment I write down the information, and we disconnected. The first thing I did was look up the phone # XXXX and indeed that came up as the XXXX County Circuit Court Division. Im thinking well let me clarify this, I did get a ticket back in XX/XX/XXXX but I did pay it. I thought Id call them give them the proof that I paid the ticket and be done with it. I call the # XXXX and this XXXX from XXXX XXXX XXXX answers the phone, and he tells me that the reason why they are trying to deliver these papers its a debt that was from XXXX but in reality it is Discover Bank trying to collect the debt back from XXXX, he verified my SS #, my name, my address. He said XXXX had nothing to do with it, it was Discover Bank that was coming after me because they covered the debt? I was confused but I explained to him that that the credit card had been stolen ( in like XXXX ) and there were charges there that I didnt make, but by the time I sent the police report and everything XXXX had already sent me to collections and they told me I had to deal with them. And collection company after collection company trying to retrieve the payment I kept faxing over the police report and they didnt drop the debt. Then he said So you are acknowledging that this debt is yours? I said Yes but What is the SS # that you have? It must be a mistake He read my whole SS #, I said Yes that is my SS #. And then he went on Well you are still liable, I can not negotiate the amount anymore, and it sounds like youre being honest so I need you to fax over the police report, but you opened the account back in XX/XX/XXXX and made payments on it, then in XX/XX/XXXX thats when you stopped. When you go up against the judge he is going to look at that and go in favor for the Bank, not you. The Court gets commision on these type of cases. And you will be charged all the interests, fees, and its going to be more than the {$1700.00} that I am telling you owe right now, and thats the half of what the Bank is trying to get. If you go to court you will have to pay everything. I said I dont have the police report in front of me, I need to go and look for it, and then I can send it to you and it must have been in XXXX then, its been so long. He said We can call the police department right now on 3 way and get this over with and get the police report I said I can not I am still at work and my break is over, I would need to go home and look for the report, I can then fax it to you. He then responded Well once you get served then I will not be able to work with you anymore, and you could get served within this hour. I said Im at work, and I work for a XXXX XXXX and its not easy to get through, I will call you once I have it and fax it to you. He said It doesnt matter if you work in the White House people will get served even if you work at the White House. We hung up. All while I was on the XXXX County Clerks office website trying to find the case # XXXX and it didnt bring up anything. I XXXX the XXXX # and couldnt find any info on that phone #. When I got off work I then called the XXXX County Circuit Civil Division # XXXX to ask them why I could see the case # finally a person name XXXX answered the call and I explained that someone from the XXXX County had called me and told them everything they told me, and then the other person I called and what he had told me. XXXX told me it sounded like a scam and hes never heard of the XXXX Form. He asked me to call him back tomorrow and hed be able to look up if there was something against me. When I got home I found the police report and I called back this XXXX to get more information about this place. He went on and told me that he was from XXXX XXXX XXXX and they are located in California, and that the reason the case # doesnt exist is because its not a public case # but that once they serve me that it would be public. After I gave him the date of the police report which was XXXX he then said I was still liable for {$600.00}. I said The person that called me stating they had to serve me some papers said they were calling from the XXXX County Clerks office and there is no such case # XXXX calmly explained We dont know who the bank hired to serve you the papers and that case # is internal. Once they serve you then you will have a public case # right now there is none because they still have not served you and remember we are in California we are not there ( in IL ). And it doesnt necessarily mean that we know what agency was hired to serve the papers its up to the bank and we have no control over that. I said Well I will have my attorney call you to make sure that you are, who you say you are. XXXX said What is her name and phone # we can call her on 3 way right now. I said I will call her tomorrow, it is past XXXX and no longer available and I will have her call you to verify that you are legit. XXXX responded Have her call me then, but nothing is going to change the fee is still not going to change even if she calls me. In the meantime if you get served then it will be the full amount of {$1700.00} plus all the fees, and interest. I said Well I need to be safe and make sure that you are legit and this is not a scam. What is your full name and what is the Attorneys office that you are calling from? He responded I understand you have every right to do so. My name is XXXX XXXX my extension # XXXX and I am with XXXX XXXX XXXX we are in California. And at that moment I hung up. I tried to search XXXX XXXX XXXX and couldnt find anything under the State of California. I also XXXX XXXX Form and it is a Plaintiffs Claim and ORDER to go to Small Claims Court but this document is for the State of California. After the first person that called me posing to call from the XXXX County Circuit Court I am very suspicious that this is all a scam especially because when I called XXXX County they said it was a scam and that they will never call a person to inform that they are trying to look for you to serve you papers.
04/05/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 752XX
Web
Dear Sir or Madam, I am writing you to file a grievance of Discovers mishandling of my checking accounts in an attempt to resolve suspected fraud. On XX/XX/XXXX, I received an email that my debit card PIN had been reset. I logged-in to my online banking to notice that someone had withdrawn {$400.00} from an ATM in XXXX, NE. I immediately called Discover and alerted their fraud department. ( enclosure DFS PIN Reset Confirmation ) I was told that a debit freeze would be placed on my account that would prevent further money from being taken out of my account. I was told that I could not open a new checking account and transfer my frozen funds until pending transactions had cleared. During this time Discover rejected an attempted debit for a XXXX credit card payment. ( enclosure XXXX Returned Pmt ) On XX/XX/XXXX, I called Discover again to check on the status of the pending transactions. A new checking account was opened, and funds were transferred from account ending in XXXX to the new account ending in XXXX. I was also told that a replacement debit card would be expedited, and new checks would be printed and mailed. It is my understanding that after transferring the funds, the agent was supposed to reinstate the security freeze on my old account. She failed to do so. On XX/XX/XXXX I called Discover again because I had not yet received my new debit card. I was told that a debit card was never ordered, but the agent placed the order while they had me on the phone. In short, the agent I spoke to on XX/XX/XXXX made a mistake. On XX/XX/XXXX I called Discover because a small positive balance remained on my old account ending in XXXX, and I wanted the funds transferred to my new account ending in XXXX. I was told that a pending transaction in the amount to {$1900.00} ( my monthly rent payment ) was in process and so funds could not be transferred. It was reasonable for me to think this transaction would be rejected ( because the attached XXXX transaction had rejected ) I contacted my landlord and let them know the issue. I also authorized my landlord to debit my new checking account in the amount of {$1900.00} to cover XX/XX/XXXX rent payment. I was attempting to avoid having a late fee assessed on my rent. Late fees are assessed after the 3rd day of the month. That evening I received an email a little after XXXX XXXX alerting me that I needed to deposit funds into my old account ( ending in XXXX ) by XXXX XXXX in order to cover a deficiency balance, otherwise a NSF charge would be assessed. ( enclosure DFS NSF Email ) Note : The email was sent at XXXX XXXX, but according to the email, I needed to provide funds 10 hours prior in order to avoid a fee. This seems unfair. I can do a lot of things, but I can not travel backwards through time. I immediately called Discover and alerted them to the issue. I asked two questions. 1 ) Why is a transaction pending on my old account? It was my understanding that a debit freeze was implemented. and 2 ) Will I be charged an NSF fee? I was told by the agent not to worry that the transaction would be rejected, and the agent made a note to check my account the following day when she arrived at work so she could reimburse the fee if needed. She also admitted that the security debit freeze was not re-added to my old account after the previous agent had shifted funds from my old account to my new account. I appreciated the agents helpfulness and honesty, but in short, the agent I spoke to on XX/XX/XXXX made a mistake. After we addressed that issue I asked the agent if my checks were on their way. I was told by the agent that checks were never ordered, but she placed the order while I was on the phone. In short, the agent I spoke to on XX/XX/XXXX made a mistake. Around XXXX XXXX that same evening, I checked my account balance in my new account and was SHOCKED to learn that {$1900.00} had been moved from my new account ( ending in XXXX ) to my old account ( ending in XXXX ) in order to cover the deficiency balance. I immediately called Discover again and protested the charge. I asked them to stop payment. I was told that nothing could be done, and that I should attempt to call the fraud department the following morning. The morning of XX/XX/XXXX, I called Discovers fraud department and asked them to fix their mistake regarding erroneously lifting the debit freeze on my old account. I was told the Fraud department couldnt do it, and that I should talk to Customer Service. I was transferred. Customer Service told me they couldnt do anything, and I needed to speak to the Dispute Department. The agent placed me on hold and called the Dispute Department, and then told me the Dispute Department would not assist me until the second transaction cleared. This is not my fault. Discover mishandled my accounts and I was forced to choose between paying rent late, and incurring a fee, or making two rent payments, and avoiding a fee. Discover should have prevented the first transaction from clearing, and they surely shouldnt have transferred funds from a new account to and old account that was being investigated for fraud. On top of that I did not sign up for overdraft protection, and I did not authorize Discover to shift funds from one account to the other. I pleaded with Discover to fix their mistake and reject one of the two transactions, and they refused to help me. I shifted {$2000.00} out of my savings account to cover the second transaction. So now I have a credit of {$1900.00} with my landlord. In essence I paid rent for XX/XX/XXXX and XX/XX/XXXX. I would like Discover to credit me the interest I would have earned in my Discover savings account on that amount for 27 days. The time between me initiating the second transaction and the date XX/XX/XXXX rent would have been due. It is absurd that Discover was unable to provide a provisional credit for {$1900.00} while they reversed the unauthorized transaction that stemmed from the ineptness of their agent. aIts absurd that they wouldnt allow me to dispute the first transaction, and insisted that I wait for the second transaction to clear, and then dispute the second transaction. Two missteps do not cancel each other out. According to my phone logs, I have spent 3.15 hours on the phone with Discover attempting to resolve this issue without success. I believe the actions of Discover are unfair and deceptive as defined by Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC Section 45 ) and the Dodd-Frank Act Discovers failure to reject one of the two transactions of {$1900.00} has caused substantial injury to me, and is unfair. Discovers actions of telling me that new checks and a debit card where being sent to me when the agent didnt process the order is deceptive, because it is likely to mislead. Throughout this whole process I was provided conflicting and contradictory information by Discover. It is my hope that the CFPB can intervene and require Discover to own their mistake, apologize, and offer reasonable restitution. Sincerely, XXXX XXXX
02/27/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • NY
  • 10011
Web
Dear CFPB : I used my Discover card to make a payment to a property manager to cover the rent for a friend who was subletting an apartment. One XX/XX/2020, I paid {$2000.00} to XXXX XXXX XXXX using the logon information given to my friend by the current leasee of the apartment. I did not share my credit card information with anyone else except directly with XXXX web site as required to make the payment. I never gave XXXX permission to keep my credit card information in their system. I indicated that I was making just one payment for {$2000.00} and only that payment. Apparently XXXX kept my card information and someone used my card to make two additional charges of {$5000.00} on XXXX and another {$5900.00} on XX/XX/XXXX. I discovered this on XX/XX/XXXX and called XXXX to alert them of. these two {$5000.00} charges that i never authorized. They attempted to reverse the transactions but said that they could not. They assured me that if I call Discover that they should be able to reverse the charges. XXXX also removed all of my credit card information from their system immediately. I did not intend nor was I aware that my card information had been saved in their system. Apparently, the current lessee admitted he logged on to the XXXX site ( the site that the property manager asks tenants to use to pay their rent ) to confirm that the payment was made. The lessee claims that he made an additional {$5000.00} payment using my credit card information by accident. He logged on the following day, XX/XX/XXXX and made another payment to his account with my credit card and has no explanation how or why that happened. I had my Discover card in my possession the whole time and never lost control of my card. I have in writing that the leaser made the two additional payments. The leaser never provided the signed sublet agreement and decided to cancel the whole transaction. he assured me i would get the full {$12000.00} plus fees returned. I called Discover and spoke to the fraud protection department and explained the situation and reported the unauthorized charges as fraud. They issued a temporary credit for the {$10000.00} charges ( plus the service fees that were charged by XXXX ) and began an investigation.. A few days later I discovered that my friend was never given the signed sublease agreement which was promised to be given to him as soon as the {$2000.00} payment had been made, I then called Discover and. told them to add the {$2000.00} payment to the charges that were. being disputed and reported as fraudulent as the agreed upon sublease was never delivered as agreed it would be after the payment had been made. I called XXXX XXXX XXXX to discuss with them the fraudulent nature of the payments that were made. Despite numerous calls to. their main number I was only able to get voicemail. I left the details of what happened on several voicemails. I never got a call back from XXXX. I began the process of filing a police report and communicated with the chief of the Larceny division of the NYPD, XXXX XXXX, who put in touch with one of his detectives. His detective spoke by phone and i. gave him a summary of what occurred. He was scheduled to meet me that day so he could take my report. This was around XX/XX/XXXX, and the protests had begun after the death of XXXX XXXX. The detective was not able to meet. me. at the arranged time and I did not reschedule, as it seemed like the NYPD had their hands full dealing with the protests. In addition to reporting these charges to Discover fraud protection and having the three charges disputed I also cancelled my Discover account and opened a new account with a new card and new account number. I received letters later from Discover indicating that they never got verification from the. merchant ( XXXX and /or XXXX XXXX ) and that my temporary credits would become permanent and the case closed. Everything was apparently settled until mid XXXX when i noticed that my balance to Discover had increased by over {$20000.00} with no explanation from Discover. I called and was told that the merchant XXXX had finally responded to the written request Discover had sent them asking if the charges were legitimate or not. The response indicated that they were legitimate. Discover had no further information about the charges, what they were for or why they were legitimate despite my clearly indicating they were not. They sent me nothing in writing to demonstrate the legitimacy of these charges. When I referenced their fraud protection program that the customer is responsible for {$0.00} for any unauthorized charges, they claim that because I provided the credit card information that was necessary to make the initial payment of {$2000.00} to XXXX, that any subsequent charges were considered a billing error and not a fraudulent charge. This seemed preposterous and not in accordance with their fraud protection policy. The additional charges of {$5000.00} and {$5000.00} were absolutely not authorized by me and in no way reflect a billing error. They could not explain why this occurred after I had already been told the credits were permanent ( over 90 days after the charges were made ). They were reminded that the law limits the customers responsibility as long as the customer has the physical card in their possession when the disputed charges were made ( which was the case ). They were not able to adequately explain why the charges put back on my card were in excess of {$20000.00} when the disputed charges were only {$12000.00}. They offered to submit an appeal which would take 30 to 60 days, This discussion took place around XX/XX/XXXX. Discover has left all the charges o my account ( currently at {$25000.00} ) and has not communicated with me at all about the repeal. Several calls I made to get an update were not returned, no one was available to speak with me at the times I called. This situation has negatively impacted my credit score and my ability to refinance my mortgage. I submitted in writing another request to Discover about a week ago to update me about the appeal but they have not responded. Discover said there is nothing they can do. They claim that XXXX verified the charges. XXXX wrote me that the charges were fraud. I believe XXXX is at fault for keeping my credit card information in their system without my permission and allowing it to be used for additional chargess that I did not authorize. I believe that XXXX XXXX XXXX was the beneficiary of my money and they are in possession of stolen funds totallin {$12000.00}. I notified both XXXX and XXXX that the charges were not authorized and should be returned. XXXX would not even respond to my many calls and letter. XXXX admitted in a letter to me that it was fraud and indicated that they notified XXXX. i demand XXXX return my {$12000.00} and XXXX return the associated transaction fees immediately or be prosecuted to the full extent of the law. Thank you very much. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
12/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 331XX
Web
I have seen repeatedly on XXXX and XXXX XXXX XXXX DISCOVER BANK XXXX and transactions in my name on my consumer reports from discovery and XXXX I have repeatedly warned them and the credit reporting agencies about these fraudulent accounts that are on my consumer report. I did a XXXX report a FTC identity theft report state attorney general report a Florida consumer complaint Ive spoken with the representatives there multiple times about the fraudulent accounts that are reporting on my consumer report they have been on my report now. Well over the last XXXX or XXXX years Ive reached out to all XXXX of the credit reporting agencies about the fraudulent accounts, and that they should be removed because these are not and never have been my accounts They have multiple addresses on my consumer reports addresses that Ive never lived at my entire life. a lot of the information with the misspellings of my name, and all of the addresses and especially with discovery bank and XXXX removed. At this point Im at. This is a cease and desist letter and warning to XXXX, XXXX, and XXXX about the fraudulent that are on my consumer report these are the accounts, the dates and the times. DISCOVER BANK XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Undated Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Credit Card XX/XX/XXXX Open Past due XXXX days XXXX XXXX XXXX XXXX {$4800.00} XX/XX/XXXX {$4000.00} XXXX {$760.00} {$4800.00} Revolving Individual XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Charge Card XX/XX/XXXX Closed Status Charge-off Status Updated XX/XX/XXXX Credit Usage XXXX XXXX Balance Balance Updated Credit Limit {$1100.00} XX/XX/XXXX XXXX XXXX Monthly Payment Past Due Amount {$1100.00} Highest Balance Terms Responsibility Revolving Individual ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX. NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WY XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX WY XXXX. FL XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LF XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX, XXXX XXXX XXXX, never gave ( XXXX, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 61681b Permissible purpose of consumer reports ( a ) IN GENERAL Subiect to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written Instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : Account Name Discover Bank XXXX XX/XX/XXXX XX/XX/XXXX XXXX, XXXX, XXXX Pursuant to my rights under the state and federal fair debt collection laws, I hereby request that you immediately cease all written and oral contact with me, and my family and friends, concerning all alleged debts you contend I owe. My employer prohibits me from receiving your calls or letters at work, and such contacts are embarrassing and inconvenient for me. Therefore, please also refrain from contacting my workplace in any manner. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND ( XXXX ) IN GENERAL A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that- ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( XXXX ) is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXDISCOVERBANK/XXXX XXXX According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.
09/04/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CT
  • 06708
Web
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Telephone : XXXX Fax : XXXX http : //www.consumerfinance.gov/XXXX A consumer can file a complaint over the WEB using the following link to the CFPB : http : //www.consumerfinance.gov/XXXX To Who It May Concern, I am writing to the Consumer Financial Protection Bureau to lodge a complaint against both Discover Card, XXXX XXXX and 3rd Party Arbitrator in regards to my DISCOVER CARD DISPUTE # XXXX against XXXX XXXX to your attention for review and to reverse Discover Card and a 3rd Party Arbitrators decision. I wrote a letter to Discover Corporate Headquarters seeking to speak with people at Discovers Corporate Office, since I have not heard from anyone in a month regarding these complaints and the dispute with Discover Card against XXXX XXXX. Discover Card Corporate Headquarters XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX I have filed a number of complaints with Discover and requested contact in regards to these complaints and my dispute with XXXX XXXX and I have never heard back from anyone at Discover or XXXX XXXX. This to me is outrageous. It is apparent that Discover values protecting merchants over consumers. Complaint Numbers : XXXX / XXXX Against Customer Service XXXX / XXXX Against Dispute/Billing Department XXXX / XXXX Against Undisclosed Arbitrator I spoke to a XXXX, XXXX and XXXX on the day these complaints were filed. There have been many more. No one has ever contacted me regarding these complaints. I have been lied to, treated rudely, laughed at, berated as well as other poor displays of customer service over the course of this dispute. My dispute has never been about the purchase of the Spiral Staircase. I have repeatedly stated that my dispute is not in regards to purchasing, receiving and signing for the Staircase. My dispute is about the quality and services that were not provided for this 12 foot nearly ton Spiral Staircase structure. In each step of this dispute, and Discover finding in the merchants favor. Discover always says reason was that I received and signed for the Spiral Staircase. My documentation to support my claim for I did not receive the quality and services as were promised by the merchant I more than proved my case to be valid and indisputable beyond reproach. The purchase of this Spiral Staircase isnt like purchasing a laptop or some other small device that can be easily determined as bad and returned. I have stressed this at least a dozen times. I am requesting reimbursement for one of the 2 payments of {$2000.00} ( Payment 1 in XX/XX/2017 Payment 2 XX/XX/XXXX/XX/XX/2017 ) from Discover and XXXX XXXX for the cost over-runs incurred due to the numerous issues with this exterior graded Spiral Staircase. I have attached for you the following documents. Consumer Financial Protection Bureau Complaint Letter DOC1 My rebuttal letter for the arbitration step. This is a 3 page document. DOC2 XXXX shipping information email. This is a 4 page document. Review the email closely. XXXX was very explicit in checking the Palate and Box for apparent damage to count the parts and get the driver out of there as quickly as possible in there voicemail to me in conjunction with this email. The email states to check for damage and the correct number of parts. This was done. The pictures point to checking the Palate and Box for damage in the pictures in the email However, there was no way for me to determine the issue with the Ground to Deck floor height issue or the Platform and Platform Rail Angle mismatch issue until constructing the staircase. The shipping company truck driver is not going to hang around all day while it is constructed for any problems. This 12 Foot ton structure comprises the following MAJOR part components 1 Full Length Continuous Pole 1 Pole Cover 1 Platform 1 Platform Rail 11 Steps 34 Step Poles 34 Step Pole Clamps 1 Base Plate Numerous Nuts and Bolts DOC3 My 25 page document which in great detail covers all of the problems I encountered. Read this document carefully and thoroughly. No one seems to have done this. DOC4 City of Water documents for the building and zoning permits. These drawings specifically call for a Spiral Staircase. Any change from this application would require going through the entire process again. Cost more money and delaying the timeframe for this rehab. DOC5 XXXX XX/XX/XXXX Installation Instructions, which clearly states on Item/Step 6 that the Platform MUST be flush with the Deck Floor. This is why the 108 Ground to Floor dimension has to be exact. DOC6 XXXX Stairs Documentation regarding the dispute. Which are 3 copies of I signed and received the staircase. They state that they were only aware of the height issue. That is a lie, just read the emails in my document. They also say in an email that they will reimburse for the platform rail issue, but then I never hear from XXXX again. DOC7 Similar type of complaint against XXXX XXXX XXXX with XXXX XX/XX/XXXX. They found on my behalf and refunded me the monies I requested based on my complaint I did not get the services I paid for same as with XXXX XXXX. DOC8 The letter from XXXXXX/XX/XXXX with the Dispute being resolved in my favor. XXXX plays dumb again and again and again : First with the Ground To Deck Floor Height issue. I spent over a 1/2 a day in phone calls and emails demanding they correct this issue. I finally got the sales person involved who forced the issue of of XXXX Customer Service and Manufacturing Department to send a new spacer overnight. XXXX wanted 4-6 weeks to send me the spacer. XXXX states in their dispute document how they sent the part overnight at their expense. This expense to them was a few dollars. I had to cover the cost of the contractor building scaffolding to hold the Spiral Staircase up while we waited for this spacer. Second the issue with the Platform Rail having a different angle than the Platform. With this issue XXXX outright refused to fix the issue. They emailed me about the height of the platform rail. Yet my email clearly states the Town of XXXX signed off on the drawing so that was not an issue. XXXX finally agreed to reimburse for the Platform Rail but I never heard from them again. This cost another 1/2 day of labor and {$500.00} in materials to build the Platform Rail correctly. XXXX calls the Staircase customer and high quality, it was neither. It is very ; very clear that XXXX did not provide what they promised. Thus my DISPUTE claim for reimbursement should have easily been ruled in my favor. Please review the information carefully. As I will be looking at filing further complaints with the State of Connecticut Attorney Generals Office, Department of Consumer Protection and the State of Connecticut Department of Banking. My only option is reimbursement from DISPUTING the charges. If I take them to small claims court, not only will they not show up, but there would be no way for me to collect when I win the small court judgement. Sincerely CONSUMER
07/12/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • GA
  • 306XX
Web
I'm complaining about discover card. I didn't make any of these charges. If there is another government agency that would be better able to assist, I request my complaint be forwarded to them. Thank you. First off they closed my account, it needs to remain open until the problem is fixed. I've enclosed a screenshot that shows that in one instance 3 charges where refunded 5 times then CHARGED AGAIN at least 7 times. I want that fixed. I've enclosed a message from Discover stating all disputes found in my favor, that hasn't happened. I want that fixed. Also that message states I'm due the amount of the charges found in my favor and of course that hasn't happened. I need that fixed. In addition to the regusrmb charges there are all of these, I didn't receive anything from them either. Here is the list: XX/XX/17 XXXX XXXX XXXX NV Gasoline $XXXX XX/XX/17 XXXX XXXX XXXX NV Gasoline $XXXX XX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX Merchandise $XXXX XX/XX/17 XXXX XXXX XXXX NV Gasoline $XXXX XX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NV Supermarkets $XXXX XX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/17 XXXX XXXX XXXX XXXX NV Supermarkets $XXXX XX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/17 XXXX XXXX XXXX NV Gasoline $XXXX XX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/17 XXXX XXXX XXXX XXXX NV Supermarkets $XXXX XX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/17 XXXX XXXX XXXX XXXX NV Supermarkets $XXXX XX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/17XXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/17 XXXX XXXX OF NV XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXXXX XXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/17 SXXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX XXXX Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX XXXX NV Automotive $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX NV Merchandise $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX NV Merchandise $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX NV Merchandise $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX XXXX NV Merchandise $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX XXXX NV Gasoline $XXXX X/XX/2017 XXXX XXXX XXXX GA $XXXX X/XX/2017 XXXX XXXX XXXX XXXX XXXX MS $XXXX X/XX/2017 XXXX XXXX XXXX XXXX XXXX TX $XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX NM $XXXX XX/XX/17 XXXX XXXX TX $XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ $XXXX XX/XX/17 XXXX XXXX XXXX XXXX NV $XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX NM $XXXX XX/XX/17 XXXX XXXX XXXX AZ $XXXX X/XX/2017 XXXX XXXX AR $XXXX X/XX/2017 XXXX XXXX OK $XXXX I didn't make any of these charges. If there is another government agency that would be better able to assist, I request my complaint be forwarded to them. This is inexplicable. Thank you.
10/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OK
  • 74133
Web
Starting at the beginning, I discovered that my Discover credit card had been maxed out on XX/XX/XXXX when I tried to use it. Immediately called Discover Customer Service that night at XXXX XXXX XXXX a representative transferred me to the Fraud department. I spoke to a lady Fraud agent for 2 hours explaining the details that I knew to be true as of that time. My Discover credit card should of had only {$45.00}?.?? amount on it from the transactions I had made over the holiday season from XXXX to XXXX of XXXX. I did not use my credit card at all during the month of XXXX because I was planning on paying off all of my balance from the holidays. I wanted to keep my credit card balance low enough so that I could pay it all of within a 30 days worth of time because I had just paid off a full credit limit on my account back in late XXXX early XXXX of XXXX, a $ XXXX balance. I closed out my XXXX retirement plan because the interest on my account was never ending, I still want to get into my first house and out of renting an apartment. After speaking to the Fraud Department Agent who can look up all transactions for my account going back to the beginning, I am told that there's thousands of dollars worth of transactions to a vendor named XXXX 's XXXX. I inform the agent that any transactions for XXXX 's XXXX is automatically fraudulent, because XXXX 's XXXX is my developing business which has been shut down since XXXX of XXXX when the virus outbreak happened which in turn shut down the nation. In one week, I lost 9 months worth of private gigs and public events that were all scheduled in advance. I was 3 years into developing my business which I offered my creative services to the public for community and private events. Examples of my creative services start as follows with the most popular first : face & body painting, henna tattoos, digital photography, arts & crafts lessons, event planning, and custom sewing design ( costumes, outfits, clothing alterations, and more ). Next, the fraud department agent fixes my account. They close out my current account and open me a new account and only transferred the transactions that we went down the list together and I confirmed those were all mine. I waited approximately a month before trying to use my credit card again but not before calling Discover Customer Service and getting transferred to Fraud Department to check on the status of my account, which happened on Saturday XX/XX/XXXX ; this time spoke with a XXXX. XXXX told me that my account was fixed, there was XXXX charges from XXXX 's XXXX found and that a credit for {$3700.00} dollars had been added back to my account. A {$400.00} dollar refund for interest, a {$35.00} and {$29.00} refund for late fees. Discover Credit Card decided to assign an investigator to my account to relook at everything, named XXXX. After review everything, including my very detailed phone conversation, XXXX decides to reverse everything that the fraud agent did and return all of the fraudulent charges to my new account. I called Discover at XXXX and spoke to XXXX directly inquiring why my account is messed up again and all of the fraudulent charges are back? This took place Friday, XX/XX/XXXX. After I re-explained everything to XXXX over the phone for some amount of time, he doesn't believe me and tells me that the charges will remain on my account. I then continue to ask him, " what do I need to do in order to change your mind, because I never made those transactions? '' XXXX offered no advice of any kind. Next I contacted a good friend and previous student of mine who happens to be a retired attorney. She said for my to send in the XXXX XXXX history of transactions for the entire time the fraud took place, send in my banking statements for the same amount of time and work on getting a police report made for the fraud. Discover will have to reverse the investigator 's decision once you provide that you did not collect any of the funds from the fraudulent charges. I send all of that in, and still they refuse to fix my account. After a total of 15 harassing phone calls from Discover 's Protective Services department demanding that I make an excessive high payment to get my account back in good standing... .I explain again at least 3 separate times the details of the situation and that they need to fix my account first, no one in this country is supposed to be responsible for fraudulent charges that they did not make. There was a gentleman named XXXX, XXXX, and a ladies named XXXX, XXXX, XXXX, XXXX, and XXXX that I spoke with or received voicemails from. XXXX and XXXX were the only Discover representatives that seemed to care at all about the customer after I spoke to them. One of those ladies, at my request, sent me a complete copy of my closed account from the beginning so that I can completely review EVERYTHING. After doing that, I find even more fraudulent charges from the unknown hacker on my account. I added everything up between the XXXX pages, mail in both police reports and a detailed letter of what is required. Discover chooses to do nothing and leave my account as is, with all fraudulent charge and a huge amount of interest and late fees that just keep building up instead of fixing my account and taking care of the customer. Last time I checked, Customer Service was supposed to be at the very top of any business establishment because without the customer ( s ), nobody can operate a business anywhere. Finally, with all of the missed time that has pasted by while waiting for Discover to do what is right... .I have lost 3 other credit card accounts that I had in good standing and was paying off my monthly balances as fast as I could with pulling extra shifts and more. My good name and credit score has been completely trashed now and I have 1 or 2 remaining credit card accounts total : XXXX XXXX department store and a XXXX Bank XXXX XXXX credit card. I have been getting harassed by Discover, XXXX and XXXX Bank now for XXXX months when I am the victim of some hacker somewhere. IMPORTANT NOTE : Due to the excessive amount of time that has passed, I am unable to forward the Square App transaction history ( because I closed the account down and informed Square of the hacker incident for my developing companies name ). I can only attach a total of XXXX bank statements from the bank account that I had while the fraud took place ( Discover already has a full year 's worth of my bank statements which prove I never collected a penny from the fraudulent charges ). I also can not attach the full history of transactions from my first Discover credit card account because that account has been closed and I do not have online record of all that time... ..once again, Discover has all of that information. I am including a photo of my very old business card that I was handing out before XXXX as the only proof I can provide at this time of my developing business. I offered this to Discover and they told me that they didn't need it.
05/18/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NJ
  • XXXXX
Web Older American
On XX/XX/XXXX I submitted to Discover Bank via a secure upload on their web site a two page letter, a two page attachment, and eight exhibits documenting that they, as IRA Trustee, had in their possession Traditional IRAs that were commingled with Roth IRAs, in violation of Federal Law, specifically Title 26 of the Code of Federal Regulations. That letter and attachment is reproduced here without account numbers and other personal information : XX/XX/XXXX Attention : IRA Department XXXX. XXXX XXXX XXXX XXXX XXXX, Utah XXXX Phone : XXXX RE : Request for Audit of Discover Bank IRA Account XXXX and Correction of Mistake Regarding Comingling of Roth and Traditional IRA Funds by Former IRA Trustee Dear Sir/Madam : As Discover Bank is well aware, I have a considerable funds on deposit because of its dedication to service and presumably its conformance with the law particularly regarding fiduciary duties. That is why I anticipate full cooperation with regard to the following matter : In XX/XX/XXXX, my XXXX Roth and traditional IRAs were transferred to XXXX XXXX, which made a bookkeeping error and labeled all transferred funds as traditional IRAs regardless of some of them being Roth IRAs. In XX/XX/XXXX, these funds were transferred to XXXX XXXX and comingled into one account. Eventually these funds were transferred to Discover Bank IRA account XXXX. Recently I became aware that trustees are not allowed to commingle Roth and Traditional IRAs and I am putting you on notice that an audit on my IRA account XXXX is necessary to monitor for and to reverse comingling of Roth and traditional IRA funds in violation of Federal Law. Your responsibility as trustee in this regard is specified in the Code of Federal Regulations, Title 26 1-408-2 in which it is stated in part under subsection ( iii ) Audits ( A ) At least once during each period of 12 months, the applicant will cause detailed audits of the fiduciary books and records to be made by a qualified public accountant. At that time, the applicant will ascertain whether the fiduciary accounts have been administered in accordance with law, this paragraph, and sound fiduciary principles. The audits shall be conducted in accordance with generally accepted auditing standards, and shall involve whatever tests of the fiduciary books and records of the applicant are considered necessary by the qualified public accountant And in which it is stated under subsection ( vii ) Books and records : ( A ) The applicant must keep its fiduciary records separate and distinct from other records. All fiduciary records must be so kept and retained for as long as the contents thereof may become material in the administration of any internal revenue law. The fiduciary records must contain full information relative to each account. And in which it is stated under subsection ( 5 ) Prohibition against commingling : ( i ) The assets of the trust must not be commingled with other property except in a common trust fund or common investment fund. Please confirm in writing within 30 days that 1. You have verified that comingling or Roth and traditional IRA funds did occur ; 2. These comingled funds were transferred and presently exist in Discover Bank IRA account XXXX ; and 3. You will properly segregate the comingled traditional and Roth funds into separate accounts in conformance with IRS regulations. To aid you in above endeavor I am supplying you with Attachment A, which is a tracing from my personal financial records of my Roth and Traditional IRA funds from XX/XX/XXXX, with XXXX as Trustee, to the present, with Discover Bank as Trustee. This attachment shows that Roth IRA funds were mislabeled as traditional IRA funds by XXXX XXXX in year XX/XX/XXXX and that they were subsequently comingled by XXXX XXXX in XX/XX/XXXX. It also shows that these funds eventually became part of my IRA portfolio with Discover Bank as Trustee. Thank you in advance for your anticipated prompt cooperation with the above requests. Very Truly Yours, XXXX ATTACHMENT A a. XXXX XXXX Roth IRA Accounts XXXX XXXX XXXX, both of retirement ID # XXXX and totaling {$4400.00} ( Exhibit 1 ), were transferred to XXXX XXXX Account XXXX in year XX/XX/XXXX. XXXX XXXX sent me a XX/XX/XXXX dated letter, certificate of deposit receipts, and three XX/XX/XXXX quarterly statements, all indicating that these funds were invested as a traditional IRA ( Exhibit 2 ) in spite of my indicating on my IRA Transfer request form that funds were coming from a Roth IRA at XXXX XXXX ( Exhibit 3 ). XXXX quarterly statements at XXXX XXXX indicate that there was no recharacterization of the funds in that transferred IRA ( Exhibit 2 ). Therefore, XXXX XXXX mislabeled the Roth IRA as a traditional IRA. b. In the fall of XX/XX/XXXX I made application with XXXX XXXX to effect a rollover from XXXX XXXX into XXXX Traditional IRA Account XXXX as follows : 1. ) {$4900.00} from XXXX XXXX account XXXX was deposited on XX/XX/XXXX ; and 2. ) {$29000.00} from XXXX traditional IRA account XXXX was deposited on XX/XX/XXXX. Relevant documentation is shown in Exhibit 4. c. In the fall of XXXX I effected an IRA rollover from XXXX XXXX to XXXX XXXX as follows : : {$39000.00} from XXXX XXXX Account XXXX was rolled over into XXXX XXXX account XXXX. Relevant documentation is shown in Exhibit 5. d. In the spring of XX/XX/XXXX I effected an IRA rollover from XXXX XXXX and XXXX XXXX to XXXX XXXX XXXX as follows : 1. ) {$39000.00} was transferred from XXXX XXXX Traditional IRA Account XXXX to XXXX XXXX XXXX Traditional IRA account XXXX ; and 2. ) {$4100.00} was transferred from XXXX XXXX Traditional IRA Account XXXX to XXXX XXXX XXXX Traditional IRA account XXXX. Relevant documentation is shown in Exhibit 6. e. In the fall of XX/XX/XXXX I effected an IRA rollover from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX as follows : On XX/XX/XXXX, a check of {$27000.00} was received from XXXX XXXX XXXX XXXX account XXXX and deposited on XX/XX/XXXX into XXXX XXXX XXXX Traditional IRA account XXXX. Relevant documentation is shown in Exhibit 7. f. In XX/XX/XXXX, XXXX XXXX XXXX was taken over by XXXX XXXX XXXX XXXX having the same address. Relevant documentation is shown in Exhibit 8. g. In XX/XX/XXXX I effected an IRA rollover from XXXX XXXX XXXX XXXX XXXX XXXX to Discover Bank as follows : On XX/XX/XXXX, {$110000.00} a check was received from XXXX XXXX XXXX Traditional IRA Account XXXX and deposited into Discover IRA Account XXXX on XX/XX/XXXX. Relevant documentation is shown in Exhibit 8. The same day Discover Bank contacted me by phone and when we spoke the following was communicated by them : 1. They maintained that they could not verify the business documents regarding the comingling, in spited of the fact that such documents are normally admitted in court under the business document hearsay exception. 2. They maintained that they were unable to segregate the comingled traditional and Roth funds to conform with IRS regulations.
01/02/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • TX
  • 770XX
Web
I would like you all to contact Discover Card CEO and these other administrators at Discover Card, please do not contact XXXX ( please this is only the Discover Card Executive Secretary Office and they were not very helpful ( Mrs. XXXX XXXX to be exact assisting me with my issue. ) Scroll down for remaining complaint in which I informed XXXX XXXX at Discover card on XX/XX/XXXX. Executive Contacts Primary Contact XXXX XXXX Executive Vice President XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Secondary Contact XXXX XXXX Senior Vice President of Customer Service and Engagement XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Executive Vice President, President - Credit and Card Operations XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Chief Executive XXXX XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX RE : Discover Acct # ending in XXXX Discover.com -Continuously contacting me verbally to sign the XXXX Forms XXXXNot allowing me to make purchases on my account and disabling my online account and -Closure of my entire account due to the XXXX and IRS verification of income -XXXX continuously spamming my email for me to complete the form. ( This was my email to XXXX XXXX in the XXXX, but again she could not assist me, please forward this email to Discover Card CEO and other administrators ) My apologies for not emailing you the information below per our conversation as it relates to Discover Card representatives contacting me via several phone calls on yesterday and sending me several emails via XXXX ( below ). ( This was my email to XXXX XXXX in the XXXX, but again she could not assist me. When I spoke with you ( Mrs. XXXX ) earlier on yesterday ( XX/XX/XXXX ) around XXXX XXXX via the Executive Offices Ph # XXXX. Per our conversation I informed you that Discover Card representatives continued to contact me via phone on several occasions on yesterday informing me that I needed to complete the XXXX and XXXX XXXX information below which entailed completing a 4506-T form that will verify my information and will also verify if I earned income in XXXX-XXXX via IRS tax filing. When I finally called Discover Card on yesterday ( XX/XX/XXXX, @ XXXX XXXX via XXXX ) they informed me via phone if I did not complete the XXXX forms that included the 4506-T and verifying my IRS income for XXXX-XXXX that my account would be closed by XX/XX/XXXX, or within 14 days as stated in the XXXX email below. I proceeded to ask the customer service representative why was my account being flagged for verification and the representative stated this is a Discover Card procedure and that's all that they could tell me. So I requested to speak to a supervisor, I was then placed on hold briefly and then the Supervisor XXXX Employee ID # XXXX ( she refused to give me her last name and email address, refused to provide me with an email or phone number to the legal department/risk management or the complaints department, she also refused to connect me to a manager or director and refused to provide me with Discover Card corporate phone number and I informed her how does she work for Discover and refuses to provide me this information, I conclude to tell her that their calls are being recorded by Discover so aI suggested she give me corporate phone number she then provided with the corporate office phone # XXXX ). Please council XXXX in regard to her unprofessional behavior via this call. As you stated Mrs. XXXX you stated you will access and listen in on the call I had with XXXX and council her. I asked XXXX, why was my account be flagged for verification, my account is on hold meaning I can access my account online or make purchases and if I don't complete the XXXX XXXX XXXX XXXX Form that also included the 4506-T form and it comes back that I did not receive any IRS Tax Filing Income in XXXX-XXXX then my entire Discover Card Account would be closed out. I also informed XXXX that I've been a customer with Discover credit card going on 8 years now, I've never made a late payment, I was just recently approved for a credit line increase, a XXXX loan ( in which Discover Card sent me this offer ) and Discover card also offered me a 5 % cashback on holiday purchases. I proceeded to also ask XXXX that this policy is very discriminatory and that I did not earn income in XXXX-XXXX via IRS tax filings because I became XXXX in XXXX due to an on the job injury and that I receive XXXX income. I also informed XXXX that this verification policy is very discriminatory if someone who's a student and their parent is paying their credit card, or someone is living off of a family trust, or if their investor and they do not earn IRS income or someone who's XXXX such as me and who receive XXXX income. XXXX responded and stated they are currently working on other ways to verify customers ' income who don't file with the IRS. So I then informed XXXX if you all are still working on other ways to verify customers other forms of income verification besides using XXXX and the IRS then this policy is very bias and unfair, because of banks, credit cards, and other institutions allow you to provide other forms of verification income prior to even applying for credit cards, funding and etc. Mrs. XXXX and/or discover administrators, I would like for this issue to be resolved immediately my reasons relate to : 1. Why was my account flagged for verification? ( This question is being posed due to the fact that I've been a customer going on 8 years now, and I just received a XXXX loan from Discover ) 2. In regards to verification and a customer account being closed due to no income earned via IRS tax returns, it this legal? If so, is this stated in your terms and conditions? 3. Shouldn't Discover have disclosed Question 2 prior to a customer signing up for a Discover Credit Card and/or loans and etc? 4. Also, can this issue be resolved immediately and prior to 14 days and the closure of my account? ( This relates to my account being held up due to the repairs for my home due to the XXXX XXXX XXXX XXXX who were going to be completing the repairs of my home along with the XXXX loan from Discover that was also going to be utilized for the repairs of my home. Also, I just booked a plane ticket utilizing XXXX and I still need to use my discover credit card to purchase a hotel and rental car due to treatment for one of the medical conditions that has caused me to be XXXX. 5. Is there a customer complaints department that I can file a complaint to Discover Card regarding XXXX XXXX behavior? Or will you handle this on your end Mrs. XXXX? 6. If these issues can't be resolved on your end, could you provide me with Discover Card legal department information? ( Just in case I need to take legal action ) If this issue isn't resolved in 24-72 hours I will contact the media and publish this on social media and Discard Card social media. Look forward to your prompt response, XXXX XXXX Ph : XXXX XXXX : XXXX XXXX
12/29/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • TX
  • 77007
Web
I have been a Discover Finance customer for many years. In XX/XX/XXXX i was informed about the new product DISCOVER IT card with its benefits including reward miles. My previous account with Discover was XXXX balance and I assumed closed due to me moving to new account. Letters relating to this account that were sent in the meantime where returned back to Discover - including one stating that my limit had gone from {$4000.00} to {$500.00}. I did not receive any communications relating to account ending in ..XXXX. I assumed this account had been closed in XX/XX/XXXX and has never since been used. My new account is Discover IT account ending .XXXX which I have used responsively since opening it. I have made all payments required and not exceeded my limit. When my limit was reduced to {$6400.00} in XX/XX/XXXX I followed this request. On my credit score it indicated an excellent payment and relationship history with no concern expressed by Discover. I was however quite puzzled as to 2 emails sent on the XX/XX/XXXX informing me that both accounts had been closed. I received no communication regarding issues on my account causing Discover concern. I monitor my account regularly and make payment adjustments when needed to keep my account in a good state of affairs. I did this with my last additional payment of {$300.00} which was more than the minimum amount set up as an auto payment from my XXXX accounts. On receiving the emails i contacted Discover on Friday XX/XX/XXXX and spent 2 hours and 31 minutes trying to discuss the issue. I spoke to 5 agents ranging from the Hardship Department ( which i was confused as to why i had been directed to her as i have no financial hardship issues ), Accounts and Accounts Supervisor and eventually a Customer Services Supervisor, none of which were able to resolve my concern and reason for calling. It is this reason that i am now contacting the CFPB. I am confused to why Discover closed my account on the XX/XX/XXXX and then told me of this decision on XX/XX/XXXX bu email - the letter by mail posted XX/XX/XXXX has yet to be received. I received no calls or communication on my online account that an issue had potentially been identified which could have been discussed. As a XXXX I am aware of the importance of Credit Reporting Bureaus and educate clients not to open or close accounts when trying to securing credit. It was for this reason that I was concerned by Discovers decision to close my account. On speaking with agent they all agreed my payment history with Discover was fine so I was very confused as to why Discover now deem me as not worthy of an account with them. I could understand if i was reckless with my spending and repayment but this did not apply to me. I was told the reason for my account and relationship with Discover to be dissolved was related to 3 factors that were automatically reviewed with no customer/human intervention and that a decision was automatically decided after review with no way of reversing the issue. If i was contacted, as I was when they reduced my credit limit in XX/XX/XXXX this could have been explained. I am in a position to clear my accounts fully but I take advantage of the offers and promotional rates offered by lenders. The decision was made due to 3 criteria and each of the 5 agents discussed with me as I moved up the chain of command! - my previous account which i requested and assumed had been closed ending in .XXXX was seen as being a negative factor. When i explained i no longer used the account and was not aware that it was still active i was told communications relating to this has been returned as the address on file was incorrect. The address sent to was XXXX XXXX XXXX XXXX and mail goes into my home mailbox. This is my current address and is still used as a contact for my existing account. 2. Derogatory remarks on my credit report posted by XXXX. This was an amount disputed and currently resolved by XXXX and was related to me switching and closing my XXXX phone account and moving to XXXX. I disputed this upto Presidential Level with XXXX and they are now forwarding me payment to pay XXXX the amount due to them. If I was made aware by Discover that this was an issue i could have explained and forwarded necessary documentation. This mark on my credit report was however in place when Discover reviewed my account in XX/XX/XXXX and reduced my credit limit. I am confused as to why it now caused an issue and that they did not reach out to a customer to seek clarification. 3. Other accounts having a high balance. As a consumer I have taken advantage of 0 % promo rates from other lenders. These lenders have been paid mlore what is required during the terms of the promotion and will be cleared when the rate reverts to its non promo rate. These lenders have never had cause to have issues with my repayments. As a XXXX and XXXX XXXX I pride myself with my financial handling and responsibilities and up to my recent dealings with Discover have never had any cause for concern. My complaint is related to negative effect Discover closing my account with have on my credit score and history. I advise others as to the penalties involved in opening and closing accounts so I am aware i will be impacted when i refinance my current mortgage to release equity and when opening other lines of credit that i may try to do in future months, I feel i have been penalized by Discover unfairly as my history with them has so far been good and showed no sign of concern. As i explained to the agents if i was an individual who did not make payment and used the account recklessly i could understand the decision. But as ex valued customer i have been treated unfairly. I have basically been told I am no longer a customer but someone who still has a debt with them. I am aware if I did have repayment issues i could have contacted the Hardship Department ( which i was mistakenly first sent to on the XX/XX/XXXX ) and my account would have been dealt with and Discover would have worked with me but would not of actually closed my account. I did not fall into this category as repayment is not an issue and I am in a position to pay off the full balance. My concern is the handling of my issue. I was left after speaking to the Customer Services Supervisor that nothing can, or will be done to assist me. I did inform from the onset that my intention was to contact the BBB, CFPB, Federal Reserve and the Social Media consumer sites to post my concern. My reason for contacting CFPB was seek assistance in showing Discover how the ill informed decision and lack of customer care and contact can negatively affect a client when that client has a good relationship and financial dealings with them. Also I would like to be informed why I am now not seen as worthy as being a customer of Discover when i am welcomed by XXXX, XXXX and XXXX. Basically I feel i have been treated very unfairly!!
01/20/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 76114
Web
Here is the basic statement I made to the Attorney General of Texas & the FTC : In response to a mailer announcing a local XXXX XXXX seminar at XXXX XXXX to learn how to sell on XXXX ; I participated in a 3 day " XXXX XXXX '' training event that went from Friday XX/XX/XXXX through Sunday XX/XX/XXXX. We watched presentations by XXXX & XXXX XXXX ( brothers ) who were introduced to us as Founder ( XXXX ) .and Co-founder ( XXXX ). We were given a very high pressure sales pitch, but they sounded so legitimate and honest that I felt comfortable investing in their training program. I opted for the " Diamond '' Package, which cost {$34000.00}. I had to fill out a personal contact sheet with all off my pertinent identifying information, which I discovered later was used by a lady named XXXX XXXX of XXXX XXXX, XXXX, to electronically apply for 8 different credit cards without my knowledge or express permission. The very first of which was DISCOVER. I received an email from her on the XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX and again on the XX/XX/XXXX advising me that they had HALF of the $ XXXX already covered by my 'newly approved ' business lines of credit stretched across 4 cards. I didn't apply for these cards, nor was I even aware that someone was applying for them on my behalf. This was a bit worrisome, but XXXX assured me this was all normal procedure and notified me that I was only responsible to come up with the remaining XXXX ... .which I unfortunately charged to several of my existing credit cards, including one that was provided to me by my company, XXXX XXXX ; as well as my XXXX XXXX, XXXX and XXXX XXXX lines of existing credit ( with whom I had perfect payment history going back more than 7 years! We were PROMISED that at any time within the first 6 months after starting the program that if we weren't seeing the massive income they assured us we would expect and that if for any other reason whatsoever we felt it just was NOT for us that we could return the CERTIFICATE OF PROMISED REFUND and they would promptly refund all of the fees that were assessed to become members of their training program. By the end of XXXX and throughout XX/XX/XXXX, I had contacted them numerous times regarding my intent to leave the program as I began noticing that they were advising me to conduct my business on XXXX in ways that were strictly PROHIBITED BY XXXX. I made contact with XXXX XXXX XXXX in all the ways I could find, such as via Chat messaging session, by phone calls and emails in the weeks leading up to my final demand which went out to every email address I had, including those of XXXX and XXXX on XX/XX/XXXX, but I received an extremely hostile & even somewhat threatening sounding email that clearly indicated to me that they had no intention of refunding my money. in fact, multiple responses to my inquiries just demonstrated that they were not going to refund my monies ... .thus I began corresponding with & calling the Fraud Services Departments of each of my creditors to notify them of what I had endured and to request that they reverse the charges made by XXXX XXXX as I wasn't provided a fraction of what was promised for my $ XXXX! I began with the DISCOVER IT line of credit totalling {$7000.00} of which {$6000.00} was charged by XXXX XXXX, then I went on to XXXX XXXX ( XXXX XXXX ) with a line of credit totalling {$5000.00} of which {$4000.00} was charged by XXXX XXXX. I went down the list just as it appears in the email I received from XXXX XX/XX/XXXX. Next was XXXX XXXX XXXX XXXX {$4000.00} charged by XXXX XXXX ; followed by XXXX XXXX with {$3900.00} charged by XXXX XXXX, and XXXX XXXX XXXX XXXX with a {$5000.00} credit line ... .and so on, and so on. I finished with my pre existing lines of credit with XXXX XXXX, XXXX XXXX, XXXX XXXX ... .across which the remaining {$17000.00} had been spread to cover all $ XXXX of the XXXX XXXX XXXX Program. Additionally, I had to spend a few XXXX on mandatory purchases from XXXX XXXX XXXX to stock up my XXXX store initially, thus those charges were also placed on several credit cards. Though I did have luck initially with a couple of the creditors reversing the charges ... .they each did so only TEMPORARILY pending the outcome of their ' investigations. ' At which time they promptly put back the charges and denied my request to appeal their decision. In more than one case, I was refused ANY information regarding what, if anything, the creditor had attempted to do with the documentation I provided ; such that they could succeed in their efforts at investigating my claims. I have filed with the Texas Attorney General and the FTC and I -- along with potentially thousands to even tens of thousands of defrauded consumers are awaiting the FTC 's dispersion of funds leftover from the nearly {$11.00} XXXX in assets that were seized from the XXXX brothers. The law firm handling the receivership finally wrapped up their portion of the legal work on the case in XX/XX/XXXX and once all the lawyers and pertinent parties were paid, that left roughly {$8.00} XXXX to be released to the FTC. We are still awaiting further information and/or follow-up by them as to whether or not any of us consumers will see a single cent in return for the fraud perpetrated upon us. At this time, I am trying to defend myself against the creditors who are now suing me for breach of contract, despite the fact that I didn't even apply for the credit cards, nor make the charges to them. I notified each of the creditors involved and asked them to investigate the fraud that clearly has befallen me but all denied my request for refunding the fraudulent charges ; instead choosing to keep me on the hook for all $ XXXX in damages. My credit rating was tanked from over a 720 in XX/XX/XXXX to just over 400 by XX/XX/XXXX. I don't know what to do and I can't afford a lawyer to help me fight back against this known scam. XXXX even sued the XXXX brothers and it's clear that I'm not the only Texan to be victim to this mess. Please help if there is any way possible. Currently, the most pressing matter is a lawsuit pending before the XXXX County Civil Court # 2 which names me as Defendant and lists DISCOVER BANK as Plaintiff for breach of contract and total owed of : {$6100.00}. DISCOVER knows about this lawsuit brought on behalf of consumers by XXXX and the Federal Trade Commission. They have been made fully aware of our position and made further aware that all XXXX XXXX XXXX charges to any of Discover Bank 's customers are FRAUDULENT and CRIMINAL IN ALL ASPECTS, yet they persist in attempt to recover a debt they notified us in XX/XX/XXXX has been charged off and was subsequently turned over to third party collectors. This just isn't right. The defendant can not afford an attorney, which these creditors are well aware. It seems they'll do anything ... .even that which is unscrupulous ... .for almighty dollars.
08/02/2021 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Company closed your account
  • CA
  • 904XX
Web
I was in the hospital from XX/XX/XXXX until XX/XX/XXXX. During that time, my debit card was used very often, including online purchases, a XXXX XXXX, an {$1800.00} lobster dinner with two bottles of {$500.00} champagne, two packages for tanning, two packages for cryotherapy, a {$3300.00} cosmetic spa ( appointment/ day/ trip ), a XXXX item costing {$1400.00}, absurd lunches and dinners, a yacht cruise where the alcohol maximum was ordered as well as everything that could possibly come with it, a {$400.00} cake ( I called and the man there that day remembers two women or girls coming in to buy it. having sent him the card number from email and commented that he asked where the party was at and one of them replied " at my cousin 's house I get to do whatever and she's going to probably drop dead soon so if you want to come ) and then gave him my address, which when I asked if he would recognize the address if I told it to him, he said, I have it because they emailed me the card number and billing address, which was mine. The total amounts of all the unauthorized charges left me with {$8.00}. I was completely and totally put out with morphine because of the severity and I had gone through h*ll. I saw the texts from Discover the day I was discharged on the XXXX of XXXX, logged into my account and started to panic, scream and cry so I called Discover Bank, explained my situation and I had told them only to report unauthorized if it WAS NOT XXXX XXXX. I went to my local police station and made a report. The officer gave me a card With an incident number in his name but when I asked if I could have the police report he said you'll have to apply for that and it can take up to 45 days so I did and I paid for the report as well. I uploaded a picture of my request to obtain the police report in full because although I was told my medical documents, in which I sent five, would be enough as opposed to waiting 30-45 days, to make it enough to finalize the provisional credits they gave me which added up to {$42000.00}. The officer who took my report went over all my statements by having me email them to him and he printed them all out. He told me to go through all of them and whatever I didn't buy or authorize to mark. I found that mostly all things purchased including {$100.00} worth of gas three different times when I do not drive. He looked at the statements and said there are back pages to all the statements after taking a good look and calculating everything. After he noticed the back pages he said that something wasn't right. There was a week long break in charges of any kind, and that some of them were processed with my card present and even a few ATM withdrawals meaning he she or them had my PIN number, which I guess isn't that hard because it is my anniversary. But, still, it meant the person knew me and asked if I have a caretaker and I said I had one but as soon as I was rolled in a wheelchair to my spouse 's vehicle and I kept getting text after text about the debits, I told her to go have fun and not to worry about me and thanked her. I started calling her and got a generic voicemail every time and left message after message. I decided to call the agency she came from provided to me by XXXX XXXX and was free for me. They answered the phone eventually and I inquired about her. They said we have many first name matches but no last name. They said maybe she has a married or maiden name. I said thank you, but I knew in my gut that those two scenarios just couldn't be- one because she had facial piercings everywhere ( I am only judging her age by these observations ), she was tattooed from head to toe but especially because of large tattoos on her neck, one on her face and many on her fingers. She was never dressed in " women 's '' attire, but looked like she often wore purposefully ripped clothing and pants with black straps attached. I thought about those things that led me to believe she had not been married nor divorced, but I may be wrong of course. No matter the case, she wouldn't pick up the phone until I finally called and it was shut down or no longer in service. That is why I think it was her since she had opportunity and told the police so. The officer calculated {$16000.00} I had missed in money that was spent from my account. This person had to have had my checks, account number and my PIN at which time the officer explained " cloned cards '' to some degree. I showed him my medical documents stating the date of submission and the date of discharge and that no time during the period had I been discharged. I updated the Discover fraud department, they had already sent me a new card via XXXX that came in two days. Everything was looking a little brighter until XX/XX/XXXX when I began getting text message after text message from Discover ; however, this time they were one by one the reversals of my provisional credits. The entire fraud department had been wonderful to me and always said how badly they felt that someone would take advantage of someone having several surgeries inside a hospital room. They made me feel like it was their pleasure to solve this once and forever and that my medical documents absolutely proved I did not and could not have made those transactions in question. I contacted XXXX, my main point of contact and told her all my credits were reversed and she said, " oh no! Let 's see what's going on here ''. I held on the phone line and she came back on the line and said what they really need is that police report. I called the records department all week long and finally they released it to me about three weeks after applying to obtain it. I immediately called XXXX and while on the phone with me I uploaded to Discover the two page report and she went to get them and put me on hold, then came back on the phone and said she would speak with supervisors about reversing all the reversals of my credits. She told me to call back the next day, which is today and XXXX was not at work, but another fraud representative helped me out, I held the line three times then said he was going to call me back in 10 minutes. I said okay. He called me back and told me it is Discover Bank 's business decision to close my 11 year old Money Market Savings account accruing the entire loss of the charges made unlawfully, giving me no access to my accounts and also closed my online savings. I asked why and how they could do that and he said the supervisors feel it is in the best interest of the bank not to provide me with service anymore from today and therefore does not have to disclose anymore information nor receive phone calls from me at all ever again. These phone calls were al said to have been recorded and I am out {$42000.00} with no justification we to why they would keep my money like that and aren't I FDIC insured and the gentleman on the phone hung up. This is why I am writing this report.
09/24/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NY
  • 134XX
Web
In XX/XX/XXXX, Discover Bank notified me of charges that were not my own on their card and in looking, I realized that my card was missing/lost. The total charges were for over {$3000.00}. Discover claims that it did an investigation into the charges, but due to the fact that the card had a fraud matter in the past that they paid and that an item was returned ; they denied the fraud claim. I acted in investigating myself, as a charge was for a hotel room booked through XXXX. When I gave XXXX the itinerary number, they asked my name, email address, phone number - and said it didn't match their records. Of course not ; because I didn't make the charges - the card wasn't in my possession. I contacted XXXX XXXX, another merchant where the fraud occurred. I spoke with the manager who confirmed an item was returned but also told me items that were purchased - a laptop and other electronic items. The transactions were made in the XXXX, NY area ; I've never lived nor visited XXXX. So Discover just flat out denied the claim. I wrote the following letter to the CEO because I was so disgusted that they continue to ask me for money for Certificates of Deposit, and Savings Accounts. I'm a high net worth individual and have been targeted with identity theft and fraud in the past, and my banks have always protected me. I called today to speak with a Supervisor named XXXX who said my letter sent to Discover 's Corporate office was received ; but he said it was unlikely the letter will be responded to or I will get a call back. I asked if he was serious, he said yes. They simply, do not care. Right now there is a CREDIT on the account that they haven't paid back, nor did this Supervisor ask if I wanted a refund of the credit ... he just wanted me off the phone. Letter : XX/XX/XXXX VIA CERTIFIED MAIL CONFIDENTIAL COMMUNICATION DISCOVER BANK ATTN : Mr. XXXX XXXX, Chief Executive Officer Corporate Headquarters XXXX XXXX XXXX XXXX XXXX, Delaware XXXX Re : Fraud Charges ; Discover Bank Card Ending XXXX Dear Mr. XXXX, I am writing out of extreme frustration, disappointment and shock over an experience this year with Discover Bank. I have been a Discover cardmember for well over 4 years now. I have a {$30000.00} credit limit. My card became missing in XX/XX/XXXX and I noticed charges that were NOT authorized by me coming from the XXXX NY area. The fraud totaled over {$3000.00}. I am a high net worth individual and it is not uncommon for me to fall victim to this kind of activity due to that. I am a client of XXXX XXXX Private Bank, XXXX XXXX XXXX XXXX XXXX and also have disbursement accounts with a local credit union. I have enclosed some of my more recent balances just in my local credit union alone to show that I am not someone that has anything to gain by what your company has accused me of. After the fraud investigation by Discover had concluded, all the charges ( I highlighted them for you ) were returned to the account. I was astounded. I called and was on hold for a significant amount of time reaching the Fraud Specialist handling the claim. I was told that because there had been fraud on the account before and that whomever made the charge, returned an item which is unusual, at XXXX XXXX, they were claiming that I authorized the charges. This is false. Your fraud department, by means of its own and for its own convenience had decided that the pattern was unusual, thus they were denying the fraud claim. To make matters worse, one of the vendors XXXX had actually returned the funds to Discover. But Discover returned the funds back to XXXX!! Making me pay on a matter of fraud. I was told that I would have to produce new evidence. So, I took time out of my busy day and called XXXX. Repeatedly being told that my information didnt match the information on the booking, so they couldnt help me! Even after telling them that it was a matter of fraud. This is conclusive evidence that I didnt make the XXXX reservation. However, since none of the information matched ( phone, address, name, etc ), they couldnt provide me with the details to give to you. Amazing. Next I called the XXXX XXXX in XXXX NY where nearly {$2500.00} was spent. The manager confirmed that something was returned and agreed that it was unusual, but they dont check IDs ( my cards always say see id on the signature ). He told me a laptop was purchased, along with some other expensive equipment and nobody from Discover Bank had contacted them. I spent hours out of my busy day out of anger trying to figure out details needed to give to your Fraud Department so they would take this matter seriously. After asking my accountant to pay only the minimum balance on the card while this was cleared up ( thinking we would get evidence that shows I didnt make these purchases ), I was told by a Manager of the Fraud Team that the case was closed and would not be reopened. So, I could pay Discover or be delinquent. Thus, I asked my accountant to write a check for the full balance on the card. This is wrong. I routinely search for banks for good rates on CDs, Money Market accounts, etc. and Discover Bank has been brought to my attention recently for its rates. I will not deposit {$250000.00} in Discover Bank so that it can mistreat customers the way I have been. I will admit I was planning in XX/XX/XXXX to open a Certificate of Deposit with Discover Bank for {$250000.00}, but I will not. I dont plan on ever using the card again so long as this decision remains. I seek Corporate to reverse the decision and readjust my account for the fraud claim in XX/XX/XXXX. I have had Fraud Claims with XXXX XXXX XXXX and XXXX in the past ( as I told you, high net worth are targeted ) ; I have NEVER had a fraud claim denied. With someone who is worth over {$5.00} Million, and has well over {$1.00} Million in liquid cash assets, do what your bank is basically accusing me of? I just paid off my XXXX card with a balance of over {$80000.00} I pay my balances in full monthly! Your Fraud Department was looking for the easy way out, it was looking for reasons to not protect me but to protect itself. I am asking you to appoint someone from your Corporate Office to address this matter to a satisfactory resolution. Its unacceptable that a vendor returns funds to your bank under a fraud claim and your bank sends the funds back, while I get the run around ( XXXX )! Please see the enclosed documents : statement from the time of the dispute, bank summaries from my local credit union showing the cash that I have on hand. It does not make sense. Please handle this as a respectable bank would and treat your clients as you would wish to be treated. Correct this problem. I will look forward to hearing from you or an appointed officer in your Corporate Office. XXXX XXXX, I am simply asking for someone in XXXX to take a look at the matter and discuss it with me. And, I can not get that done.
06/28/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MI
  • 48103
Web
Discover responded to complaint XXXX acknowledging that my account was closed after an individual they believed to be my mother made a payment in the amount of XXXX dollars on my account. Discover acknowledges that the payment was submitted with the account information taken and processed by their representative, who scheduled the ACH transaction. Discover acknowledges that their payment system presented this information to the appropriate financial services institution on or around XXXX XXXX XXXX and that it was returned to Discover " Unable to Locate '' by the financial services institution on or around XXXX XX/XX/2022 : " We note on XX/XX/2022, a payment was made by a third party who identified themselves as your mother in the amount of {$190.00}. This payment was returned as Unable to Locate on XX/XX/2022. On XX/XX/2022, a letter was sent to you advising your account was closed due to lack of payment. '' That left nine ( 9 ) days between when a payment was authorized and when my account was closed. By XXXX XX/XX/2022 Discover had already let me know that the payment had been processed and posted. Had Discover notified me there was an issue with the payment, a replacement payment could have been made in a similar method to NSF reversals. Discover should have an on-going billing error investigation that details HOW this happened. It is conceivable that the information disclosed by my mother did not match what was placed into the payments screen by the Discover agent. Even if there is a supposition that an account number and routing number is correct, a misspelling of a last name, a first name, etc, can cause a return with the error code " Unable to Locate. '' As payments have been made by my mother before, with the same account information, it would seem that the issues is with the Discover 's system is neither with me nor the information provided by my mother. Now, Discover claims they closed out the account due to the issue of processing this payment. Since my mother provided the correct account number and routing number, the account closure constitutes an unfair practice prohibited under 12 U.S. Code 5531 because the situation was not reasonably avoidable. Neither My mother nor I have control over Discover 's processes, nor do we have control over Discover 's systems and its interconnects with other financial services institutions. That is, we do not control how and with what XXXX Discover submits ACH requests to under financial services institutions and therefore Discover 's closure is an unfair practice prohibited by 12 U.S. Code 5531. Moreover, the actions taken by Discover constitute an unfair practice because Discover acknowledges reporting the adverse credit history to the CRAs with an intent to continue doing so while a billing error investigation continues that is an unfair practice that causes harm to me as a consumer and is prohibited under 12 U.S. Code 5531. Note, there has been no notification otherwise with respect to the billing error notice filed with Discover directly as acknowledged by XXXX within the " Executive Office of Consumer Advocacy. '' Yet, Discover responded to CFPB complaint XXXX " We are committed to reporting true and accurate information to the credit bureau reporting agencies, as such we are unable to honor your request to delete the account history from your credit bureau reports . '' That is a violation the CFPA, 12 CFR 1026.13. Finally, Discover has asked for documentation that is inchoate given the nature of the billing error. Specifically, Discover has asked for documentation showing that the error was due to the other financial services institution, or documentation showing funds were debited from the account. That is an unfair practice on 12 U.S. Code 5531 because Discover would be proceeding with a billing error investigation that that precludes itself or systems as a culprit. The requested documentation request itself shows this because it presupposes that the error was neither on the part of Discover 's systems, nor an error on the part of any employee taking payments over the phone. A billing error investigation that is anything other than impartial is on its face an unfair practice under 12 U.S. Code 5531, that is likely to cause harm to a consumer. injurious nature of discrimination. A billing error that subsequently closes an account, coupled with a biased billing error investigation, is progression an unfair process that can cause harm to a consumer, especially when derogatory information is furnished to one ( 1 ) or more CRAs as a result. I have experienced struggles in recovering from two ( 2 ) bouts of long-COVID, preceded by two ( 2 ) separate infections by the XXXX virus. It would appear Discover is indifferent to that fact. The fact that they would mail documents but fail to make those same documents available online is telling. The fact that they did not provide timely notification when an issue arose with a payment is telling. It is not outside the realm of possibility that Discover took actions on my account to adversely affect the processing of a payment so that they could engineer an account closure. The result would be a reduction in their risk exposure and set-up for a potnetial charged-off so that they would no longer have to keep the account on their books. If I do not have timely access to information to help me keep my account open, then I am at a significant disadvantage in an ability to keep my account open. This is especially disastrous for any individual that may ability have a reduced ability to communicate due to XXXXXXXX, or any XXXX. The bottom line is that I asked my mother to make a payment towards my account because of my struggles with XXXXXXXX That is something my mother has done with Discover in the months prior to XX/XX/2022. As such, it was a reasonable expectation that there would be no issue, and that Discover would notify me of any processing issues regarding the authorized payment prior-to closing the account. They did not. In fact, no notification was sent advising me of an issue with processing the payment. The only notification I received was a notice informing me the account had been closed on or around XXXX XX/XX/2022. That left an interim of one ( 1 ) week to rectify the issue. But, Discover did not provide that opportunity. This is odd considering they DO notify individuals about returned payments due to insufficient funds and inform cardholders to " disregard the message if a replacement payment has already been submitted. '' The botom line is that if Discover is unwilling to provide the fair resolution I have requested, and/or if Discover closes this complaint out as a duplicate, I will file this matter with the FTC, OCC, FDIC, DoJ, and the Office of the Attorney General for my state citing both credit discrimination and XXXX discrimination.
06/14/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 306XX
Web
Hello, I didn't make any of these charges. I've never heard of these places, I didn't buy anything, I didn't receive anything from them. Discover card is not fixing this for me at all. I've called, emailed, mailed them, faxed them, they are convinced I'm meant to pay for this. They have no clue what they are doing. It's a "secured" card so maybe that has something to do with it. I need every charge I've listed here refunded. It's a fact I didn't make these charges. I'm not responsible because I simply didn't make them. This is ridiculous. I don't want anymore contact with these people. I just need every transaction I've listed here refunded. I know these individuals don't care about anything but I'm going to need these charges permanently reversed. This is ridiculous. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TX $XXXX XX/XX/XXXX XXXX XXXX TX $XXXX XX/XX/XXXX XXXX XXXX XXXX GA $XXXX XX/XX/XXXX XXXX XXXX XXXX #XXXX XXXX MS $XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX TX $XXXX XX/XX/XXXX XXXX XXXX XXXX #XXXX XXXX AZ $XXXX XX/XX/XXXX XXXX XXXX TX $XXXX XX/XX/XXXXXXXX XXXX AR $XXXX XX/XX/XXXX XXXX XXXX OK $XXXX XX/XX/XXXX XXXX XXXX XXXX NV Gasoline $XXXX XX/XX/XXXX XXXX #XXXX XXXX NV Gasoline $XXXX XX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX Merchandise $XXXX XX/XX/XXXX XXXX #XXXX XXXX NV Gasoline $XXXX XX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/XXXX XXXX XXXX #XXXX XXXX NV Supermarkets $XXXX XX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/XXXX XXXX XXXX #XXXX XXXX NV Supermarkets $XXXX XX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/XXXX XXXX XXXX XXXX NV Gasoline $XXXX XX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/XXXX XXXX XXXX #XXXX XXXX NV Supermarkets $XXXX XX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/XXXX XXXX XXXX #XXXX XXXX NV Supermarkets $XXXX XX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX #XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX #XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXXView DetailsXX/XX/XXXX XXXX XXXX #XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/XXXX XXXX XXXX #XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/XXXX XXXX XXXX #XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXXView DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX #XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX OF NV XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX #XXXX XXXX NV Supermarkets $XXXXView DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX #XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/XXXX XXXX XXXX #XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX #XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/XXXX XXXX XXXX #XXXX XXXX NV Supermarkets $XXXXView DetailsXX/XX/XXXXXXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX #XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX GasolineXXXXXXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXXView DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX #XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX #XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX #XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX #XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Gasoline $XXXXView DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX #XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX #XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV Automotive $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV Merchandise $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX - #XXXX XXXX XXXX NV Merchandise $XXXX View DetailsXX/XX/XXXX XXXX XXXX - #XXXX XXXX XXXX NV Merchandise $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX - #XXXX XXXX NV Merchandise $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX # XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX NV Gasoline $XXXXView DetailsXX/XX/XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV Gasoline $XXXX
08/12/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 93561
Web
Discover Card/XXXX XXXX is hereby given written notice that I am currently in contact with the XXXX XXXX XXXX XXXX ( XXXX ) and waiting for them to assigned me legal representation. Discover CardXXXX XXXX is to cease and desist any further action which would be consider detrimental and injurious to my consumer credit report and credit ( FICO ) score. The alleged perpetrator has accepted responsibility of the debt of the Discover CardXXXX XXXX credit card account ending in XXXX ( replacement ), previously known as XXXX ( reported fraud ). Discover Card/XXXX XXXX recent offer dated XX/XX/XXXX and the circumstances involving my reported Identity Theft report should be reviewed by the Consumer Financial Protection Bureau ( CFPB ), Federal Deposit Insurance Corporation ( FDIC ), Department of Justice ( DOJ ) and Federal Trade Commission as it borders on planned extortion and bribery. Discover CardXXXX XXXX I acknowledge receipt of your Charge-off notice dated XX/XX/XXXX. Received on XX/XX/XXXX via USPS delivery and understand that I must accepted your offer by XX/XX/XXXX or risk penalties. Your offer is pressuring me to make telephone contact, which I find difficult, providing me only two days notice. As stated previously I am hearing impaired and telephone conversations are difficult to understand especially more difficult in making binding financial agreements. Will Discover CardXXXX XXXX provide reasonable accommodations under the provisions of the Americans Disabilities Act in providing any settlement offers? In addition, your offer did not include a contract or any legal disclosures just asking for me to agree to something blindly. However, the Charge-off notice is effective after XXXX XXXX XXXX Are there any other offers or avenues to settle this issue? You are in control of other civil remedies prior to inflicting me to irreparable harm by damaging my consumer credit report for the seven years without providing me clear evidence of my alleged wrong. Whereas, if Discover CardXXXX XXXX firmly feels that I am still responsible for the Discover Credit Card account ending in XXXX, previously XXXX it is within your right to serve me with a civil tort court action or file a criminal complaint against me for theft. I have requested that you provide records that you have withheld since XX/XX/XXXX that would free me of responsibility. Taking aggressive, slanderous and punitive actions against me without providing civil due process is a very questionable business practice. The Charge-off action process without due process needs a thorough review by the Federal Trade Commission as I see the next process in the future of a class action lawsuit. It is to my understanding that if I accept your gracious and special but limited time savings opportunity of a reduce interest rate of 7.99 % for 12 months it would infer that I would be perjuring myself by assuming the debt and acknowledge that the Discover Credit Card ending in XXXX, previously XXXX had always belong to me. HOWEVER, IF I do not accept your gracious offer, the Charge-Off order a negative report would immediately be placed onto my Consumer Credit Report for the next Seven ( 7 ) Years holding my credit score ( FICO ) hostage with no civil remedies. The threating action of a Charge-off within two business days is extortion by the pressure of time limits. The promise of a reduce rate and cash payment of {$50.00} dollars is bribery for accepting fault. As to accept a deal with a promise of a financial award is to avoid a harmful act is holding a victim XXXX to your demands. In addition, Discover Card/XXXX XXXX did not provide a written contract proposal as I would need time to review as I can not accept a deal over the telephone. A complaint has been sent to the U.S. Department of Justice for their cursory review and oversight. As a Senior Citizen I am very frightened and feeling bullied by your actions. You are threatening my future well-being as your punitive actions of a Charge-off would adversely affect in my ability to live, find affordable housing, secure utilities, travel, medical care and treatments. Therefore, your Charge-off action would cause me irreparable harm for life without access to fair due process. Discover CardXXXX XXXX is asking me to perjure myself and admit to ownership of the Discover Card Credit Card Account ending in XXXX, previously known as XXXX. Having reported being a victim of Identity Theft I have previously signed legal the several sworn affidavits including reports under penalty of perjury to the XXXX XXXX Sheriffs Office with the assigned Criminal Case No. : ****-****XXXX. I do not wish to perjure myself and give up my rights in any court action. Side Note : The Consumer Financial Protection Bureau ( CFPB ) and Federal Deposit Insurance Corporation ( FDIC ) should be aware and take punitive action against Discover CardXXXX XXXX for their failure to acknowledge or cooperate in the XXXX criminal investigation. When reporting Identity Theft, I had also signed legal sworn affidavits to the Federal Trade Commission, California Attorney General, US Department of the Treasury et al. I have requested the assistance of other federal, state and local agencies to correct the questionable behavior of this and other lenders. Specifically, those who are not in compliance with regulations as set forth and described in the Fair Credit Reporting Act ( FCRA ). In addition, Discover Card/XXXX XXXX had provided me with the Affidavit of Identity Theft Victim Information. I had honestly filled out and signed the Affidavit of Identity Theft on XX/XX/XXXX and returned same via fax and United States Postal Service registered mail. The affidavit discover Card/XXXX XXXX had provided stated basically the same as the FTC Identity Theft Report ; I declare under penalty of perjury that the information I have provided in this affidavit is true and correct to the best of my knowledge signed on XX/XX/XXXX. The affidavit also includes the following statement : I declare as a result of the event ( s ) described in this Affidavit, the following Discover Card account ( s ) was/were opened in my name without my knowledge, permission or authorization using my personal information or identifying documents : Account Number XXXX issued by Discover date of issue XXXX XXXX XXXX In addition, I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this reportI did not receive any benefit, money, goods or services as a result of the events described in this report. I will not commit to perjury or accept your bribe. An inquiry was made at Discover at XXXX and no fax number was provided and a different address of XXXXXXXX XXXX XXXXXXXX, XXXX, AZ XXXX to submit a response.
02/03/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • OH
  • 44035
Web
DISCOVER closed my account on XX/XX/XXXX due to " not being able to verify my account information '' after I reported them for breaking laws, example taking longer than 2 billing cycles to complete an investigation, reporting extensions of credit, and never proved pursuant to title 15 chapter 41 1692g that I ever owed them any money, never sent my security deposit either. I start with that because today XX/XX/2022 I received a letter from DISCOVER dated XX/XX/2022 stating they can report my account to the consumer credit bureaus because my account information is valid. due to the extreme ignorance of every DISCOVER employee and especially XXXX the executive customer advocate I'm confused as to which one is true, the simple fact that my account was closed due to lack of verifiable identity but you claim you have enough valid information to report information to the consumer credit bureau make no sense at all not what so ever. I know nothing they say has any basis or facts supporting it, they will not send information via affidavit. Also, when my account was illegally closed without the consumers permission aka my permission they never sent any paper work with proof as to why they closed my account. This company has been violating my rights continuously. THESE are not allegations. These are facts. 15 U.S. Code 1666 - Correction of billing errors U.S. Code ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( XXXX ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( XXXX ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] 18 U.S. Code 242 - Deprivation of rights under color of law Whoever, under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, Commonwealth, Possession, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States, or to different punishments, pains, or penalties, on account of such person being an alien, or by reason of his color, or race, than are prescribed for the punishment of citizens, shall be fined under this title or imprisoned not more than one year, or both ; and if bodily injury results from the acts committed in violation of this section or if such acts include the use, attempted use, or threatened use of a dangerous weapon, explosives, or fire, shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated XXXX abuse, or an attempt to commit aggravated XXXX abuse, or an attempt to XXXX, shall be fined under this title, or imprisoned for any term of years or for life, or both, or may be sentenced to death.
02/19/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MI
  • XXXXX
Web Older American
Note : Credit Card Company has all related documentation. I paid XXXX XXXX ( 1 ) a good faith deposit of {$540.00}, which was half of the total amount of {$1000.00}. In my original correspondence to Credit Card Company dated XXXX XXXX, 2020, I requested a credit for {$500.00}, not {$540.00}. I requested to be reimbursed for the {$500.00} I paid XXXX XXXX ( 2 ) to complete the work that XXXX XXXX ( 1 ) did not complete as detailed on their estimate. The amount of the balance of {$540.00} was due upon completion. There is no evidence that this document was reviewed since the original credit was in the amount of {$540.00}. Since XXXX XX/XX/2020 Ive sent several emails to the service provider ( XXXX XXXX ( 1 ) to resolve this issue to complete the work as documented on their estimate. I have forwarded any and all such correspondence to the dispute department at Credit Card Company for review. Initially, XXXX XXXX XXXX ( 1 ) was refunded by Credit Card Company without submitting their required documentation per the admission of a Credit Card Company agent in the Delaware office. Due to this issue, I was given the first temporary credit on my account of {$540.00}. In my correspondence to Credit Card Company on XXXX XX/XX/2020, it was clear that I requested {$500.00}, not {$540.00} as reimbursement of payment for another service provider to complete the work left after their crew walked off the job. This is evidence that Credit Card Company did not perform due diligence at that time and I have no confidence that they performed due diligence at any time on my behalf. Ive spoken with several agents and supervisors with Credit Card Company throughout the time period of this dispute. Agents at Credit Card Company have accepted the false claim from XXXX XXXX XXXX ( XXXX ) that they completed the work, however Credit Card Company agents refuse to accept any or all of my written documentation that work was not completed by XXXX XXXX XXXX ( 1 ) as factual. Therefore forcing me to forfeit my funds ( {$500.00} ) to ( XXXX XXXX XXXX XXXX ). Despite the claim of XXXX XXXX XXXX ( XXXX ) that they completed the work on the property, in addition to the email correspondence with ( XXXX XXXX ( XXXX ) I have evidenced this statement to be false and sent copies to Credit Card XXXX based on : XXXX. The scope of detail of their estimate dated XXXX XX/XX/2020. XXXX. The property diagram from XX/XX/2020 which verifies the actual trees on the property. XXXX. The receipt from XXXX XXXX XXXX XXXX XXXX ) indicating the removal of XXXX trees on the property after the date of XXXX XX/XX/2020. Their invoices were paid through Credit Card XXXX. XXXX. I do have photos however only after submission I was told that Credit Card XXXX did not accept those as evidence. Despite all of the evidence, Credit Card XXXX dispute agents need proof but do not accept the proof I have provided until the dispute was closed. The dispute agents not disclose what type of information they will accept as proof that XXXX XXXX XXXX XXXX XXXX ) did not perform the services they charged me for. I spoke with an upper level supervisor who basically reiterated what I was told by his agent that I did not have any proof and I was not going to get a permanent credit of {$500.00}. Still pursuing a favorable resolve, during a call with agent I was told once the case was closed that proof might have been a document from XXXX XXXX XXXX ( XXXX ) that they reviewed the estimate from XXXX XXXX XXXX ( XXXX ) and confirmed that XXXX XXXX Company ( XXXX ) did not complete the work detailed on their estimate. This information should have been forthcoming long before Credit Card XXXX closed the dispute. The evidence that Credit Card XXXX did not provide due diligence is as follows : o I requested a credit of {$500.00}, not the {$540.00} as issued in their original temporary credit. This was clearly stated in my correspondence dated XXXX XX/XX/2020. I dont feel that due diligence was given to properly review the dispute. o I spoke with an agent after I learned the initial dispute process was not resolved in my favor. At that time, I was told by the agent that XXXX XXXX XXXX XXXX ) did not complete the required documentation and therefore a temporary credit was applied to my account. Again, Credit Card XXXX did not perform due diligence on my behalf. o I provided key evidence to Credit Card XXXX that XXXX XXXX XXXX XXXX ) did not complete the work as detailed on their estimate. The property diagram is consistent with their scope of work. It should be clear after providing the invoice from XXXX XXXX XXXX XXXX XXXX that XXXX XXXX XXXX XXXX ) failed to complete the work as agreed upon per their estimate. o I was unaware that XXXX XXXX XXXX XXXX ) retained my card information without my knowledge or consent and had absolutely no permission whatsoever at any time to charge my Credit Card XXXX. o There was no stated agreement with XXXX XXXX XXXX XXXX ) as to a method of payment XXXX cash, check, or credit card ) for any services rendered. o Credit Card XXXX agents accepted the false statement of the service provider XXXX XXXX XXXX XXXX XXXX XXXX that they completed the work. o Credit Card XXXX should provide a detailed history of the entire dispute process and the specific language in their terms and agreements that state I have to pay for unauthorized charges for services not rendered? The evidence that the XXXX XXXX XXXX XXXX ) did not complete the scope of work as described should be very clear. Their estimate and voice mail transcript clearly defines " Junk trees '' on left and right side of property. Per the property diagram illustrated by a certified arborist in XX/XX/2020, it clearly shows XXXX trees on the property. XXXX of the trees on the property diagram XXXX left and right ) are consistent with the detail on the estimate from the XXXX XXXX XXXX XXXX ). Landscape Company ( XXXX ) removed ( XXXX ) trees ( XXXX ) " Medium Pine '' ( Spruce ) and XXXX " Medium Junk Tree on back corner of garage ( XXXX XXXX on XXXX XX/XX/2020 and walked off the job, not removing the left and right " junk trees '' ( Mulberry ). I hired XXXX XXXX XXXX XXXX XXXX to remove the left and right " junk trees '' XXXX XXXX XXXX that XXXX XXXX XXXX XXXX ) did not complete. XXXX XXXX XXXX XXXX ) completed this work on XXXX XX/XX/2020 XXXX reference attached invoice ). I dont understand how this could be made more clear that XXXX XXXX XXXX XXXX ) is making false statements that they completed the scope of work on their estimate and took payment on XXXX XX/XX/2020 without completion of the agreed upon work. Ive attached the original property diagram and a copy that I illustrated to provide a through picture of what was removed and by which company.
10/14/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 334XX
Web
First let me point out that Im XXXX years old suffer from several little illnesses and have XXXX so any typos in this complaint need to be ignored and try to understand what Im trying to tell you The first one I want to make is that your site is very on user-friendly, like most government websites. If you expect to represent the consumer, then you need to be consumer friendly yourself starting with your policy around user ID and password from user ID perspective most websites, remember the user ID and give them options to the customer and also most even most financial websites. Allow you to see the the password that youre typing in especially if you require a long complicated password such as yours so your practice is around this logging in our PSA and need to be brought up to date at the snuff with todays technology and todays times before you can even begin to represent the customer, so I question your ability right up front. Youll have to show me through your actions with this complaint, that you built that you really do anything well for a customer Yeah, lets get to the complaint Im afraid this complaint is similar to a complaint I just filed about another start up company that just does not have adequate customer service and support to support their products particular company and question here its called blueair.com and theyve use the excuse of a global pandemic not to have served adequate service representatives to answer your questions, or take care of your returns or customer problems with existing product, and Ive gone through all of that with them Whats the global pandemic there hasnt been a global pandemic since the Covid pandemic three years ago so thats all XXXX. Its the cover the fact that theyre trying to sell as much product as they can to bolster the companies profits because they dont have adequate profits and it to hire enough service people to service their product Contacted them many times trying to straighten out their record of which products I bought and which ones I subscribe to replacement filters for blueair.com is a is a filter company an air filter company for the consumer that was fairly well rated by consumer reports thats why are you bothered with the company that begin with now Im sorry I did and I think it had a good resolution would be there for them to re-compensate me for all the money I paid and keep the filters for what theyre worth And one of the things they have not done is demonstrated that their filters are through third-party testing better than anybody elses or least adequate biotic. Would I mean hospital grade because the top air filter sold in a consumer market today or a hospital grade? I have one search filter thats XXXX years old. Still operating well I bought these filters to supplement dad. Do you help the whole house filter and then one filter? I have it in XXXXhe bedroom so that all the rooms have adequate filtering I have done this because I have very serious, XXXX issues and allergic to XXXX XXXX So to summarize the issues I had with this company first of all, I ordered a product and tried to cancel the order and they wouldnt allow me to do it and Ive never received. I was charged for the product and never received it. This is several months ago well during my illness. Im still ill, but I finally feel well enough to complain about a few things like this. Secondly, I contacted them about their inventory, so called inventory what products I purchase which is incorrect and tried to correct it, but there is no adequate tools given to allow the customer to correct it themselves and you cant get to talk to a customer service representative because they dont have enough to go around and they use the excuse of a global pandemic to hide the fact that theyre under funded and probably going bankrupt and third. They havent provided adequate proof that their filters actually work up to a hospital grade filter, and what I mean is testing by a third-party other than consumer reports who I dont consider to be experts in this field there are experts and thats who should do the testing or a government agency Water testing is done by NFS, which is sort of a pseudo-government agency but Im not aware of any agency that does testing for air filters Just a quick note another problem with your website Im trying to publish this the weather other customers dont get sucked into buying their product with lousy service in and have a medical proof of working correctly and I cant get your button to work. Its not my XXXX because my XXXX is new and it works well. Its your website you click on the I want to publish box. Nothing happens. You have to click on it multiple times and sometimes the checkmark shows up and sometimes it doesnt need to fix this. Its a basic part of your website youll be embarrassed. If it doesnt work correctly youll be embarrassed in general because your website sucks. Sorry for my language, but Im getting very frustrated with so-called government agencies that help the consumer that are consumer, focused and sells or adequately funded to have a website thats worth using. By the way, there are other issues with your website such as not saving information from the past about my address that I wont complain about here but you want to be aware of and you want to try user testing meeting with live users your inadequate website before you re-publish it again Lets do you think Im just a cranky old man and wants to complain. I happen to be a retired technology industry executive spent most of my career in executive positions and companies like XXXX XXXX XXXX, XXXX, XXXX and others, and a respected member of the retired telecommunications community often called upon for advice by companies despite my advanced age and Ive served on a couple of public boards of technology companies, including chairman of the audit committee, as well as other committees And I do respect some companies in the consumer space such as XXXX XXXX is the gold standard for customer service returns, and all of the processing around the customer including their their own credit card, which they publish with XXXX and Im perfectly happy with them the products they sell their return policy, their rewards policy of giving XXXX XXXX back There one day shipping policy the quick shipping on other products and everything about them is the gold standard thats why they have XXXX XXXX market share in the consumer e-commerce space so youre not dealing with an XXXX here youre dealing with someone who knows a lot about technology a lot about websites, and while yours is so poor and a lot about the way government works and how I can raise complaints with my senator and House of Representatives so I hope you take me seriously because I am dead serious
10/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 951XX
Web
On XX/XX/2020, I got an alert that a hard inquiry was made against my credit. I was able to retrieve information about the loan company that made the hard inquiry. The loan company was Discover. I did not apply for any loan, so I was confused about why they would need to check my credit score. I called Discover that same day, XX/XX/2020, at XXXX XXXX. I spoke with a customer representative and I try to explain to her that I found that a hard inquiry was done on my report and I am calling to find out why. She asked for my social security and told me that their offices were closed and that I should call back on a different number on Monday during their business hours. I later found out that a person put me down as a cosigner for a student loan with Discover. The hard inquiry was not authorized by me. The customer representatives refused to cooperate with me in finding an appropriate solution for my issue. I then proceeded to dispute the hard inquiry with the credit bureau, XXXX, XXXX, and XXXX. XXXX asked me to send in documents that are difficult to obtain due to the global pandemic. The customer representatives that I spoke with at both Discover and XXXX were difficult to work with and unsympathetic to my situation. A detailed account of my experience with Discover : I called Discover back on Monday, XX/XX/2020, at XXXX XXXX and spoke with a customer representative from Utah. She asked for my social security number and she said there was no account found. I then tried to explain to her my situation and she told me she then transferred me to a different department that handles mortgages. I tried to explain to the customer representative from their mortgage department my situation and she said that there was no account found and I thanked her and ended the call. I called Discover again at XXXX XXXX that same day and I spoke with a customer representative from Utah. She asked me for my social security and I gave it to her and she said no account was found. I then told her that I am calling because I found that Discover made a hard inquiry against my credit and I had no knowledge about why it was done. I then explained to her that I called the credit bureau to notify them but I need to learn more information about what happened so that my issue can be properly resolved. The customer representative then said that she could connect me to the banking department to get more information. She transferred me and my call went straight to voicemail. I did not leave a voicemail and called Discover back at XXXX XXXX. Once again I spoke with a customer representative from Utah. I asked her if she could listen to what I have to say because I felt like they were not interested in helping me investigate a possible fraudulent activity. She then said to me in a sarcastic tone that she knows it must be frustrating to be transferred to different departments and not feel like I am not being heard. I responded and said okay but I just need help finding an appropriate solution to my issue so that I can go on with my day. She then told put me on hold and I waited about a minute. Then she said she will transfer me to the fraud department. I thank her and waited until I got transferred. Once transferred, I spoke with a customer representative from the fraud department. She asked for my social security and my date of birth. I gave her both information and I asked if I could explain my situation to her. I then tried to explain that I am not sure why a hard inquiry was done against my credit when I did not apply for anything with Discover. She then suspiciously asked me did you apply for a student loan and I responded no. I explained to her that I did not apply for any loans with Discover and I only had a Federal student loan. So, then I asked is that why my credit report was checked? She did not respond, and she said that she will have to end the call because of how I am speaking to her. She then hung up on me and I was shocked. I called Discover back and related it to a customer representative from Utah. I had a short conversation with her about my situation. She like the rest did not seem concerned about helping me resolve the issue. I asked if I can speak with someone from their student loan division and she transferred me to them. Once transferred, the customer representative from the student loan department asked for my social security as well and I asked if I can explain to her my situation because I keep getting transferred back and forth. She reluctantly said yes and while I was explaining my situation, she interrupted me several times and said that she does not understand what I am saying. I then repeated to her that I am not sure why a hard inquiry was done against my credit because I did not authorize for any student loan with Discover. She then said to me that she thought the way I spoke was condescending. I sighed and said I speak like this to people and that I am just trying to figure out what is going on. She then complained about how I was talking to her and I said to not take it personally because I am calling you for help with a possible fraudulent activity. She then calmed down and said that I was listed as a cosigner for a student loan for a person I at the time was not familiar with. She then commented on how my last name was unusual and that the person had the same name. I responded and said why are you questioning me about a student loan I did not authorize. I then explained how I was shocked that Discover will process a student loan application and check my credit report without me authorizing it. I was never contacted to authorize being a cosigner for a student loan. She then said that she canceled the application. I was relieved but still concerned about my credit score since it dropped by several points because they did not authorize a credit check with me. I thanked the customer representative and said I will call back to resolve the hard inquiry issue. I called Discover on XX/XX/2020, and I spoke with a Customer representative from Utah. I explained to her my situation and that I need some type of documentation of the incident so that I can have the hard inquiry done against my credit removed from my credit report. She said that she will email the fraud department and have them call me back. The customer representative sounded rehearsed and mentioned things that I never told her before. She also sounded unconcerned about my situation and did not check if my contact information was correct. It has been two weeks and I have yet to receive a phone call. I am tired of calling and annoyed with the lack of care from the customer representatives from Discover. My experience with them has been very time consuming and exhausting.
02/12/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • NH
  • XXXXX
Web Older American, Servicemember
Subject : This is a XX/XX/XXXX ( 60 day ) Response to the CFPB target Companys Answer dated XX/XX/XXXX to this Complainant filed on XX/XX/XXXX Against Discover Claiming Breach of Contract to Significantly Reduce the Interest Rate on the this Complainants Credit Card from 24 % to 12 %, as agreed by the Discover Rep during the phone call with this Complainant on XX/XX/XXXX, at which time the balance on the card was about {$10000.00}, an amount both parties have agreed upon from that date ( in XX/XX/XXXX ) up to the present. The parties also agree that this debt was entirely owed by this Complainants employer, XXXX XXXX XXXX XXXX XXXX 1. Specifically, both parties agree that this card was used, billed and paid monthly from XX/XX/XXXX until XX/XX/XXXX, and that the most recent ending balance on the Discover statement dated ( on or about ) XX/XX/XXXX, was {$6400.00}, and that the interest rate on that month-end card billing was 23 % ( i.e., shortly before this complaint was filed ) 2. Both parties also agree that the balance owed Discover on XX/XX/XXXX was {$10000.00}, and that the interest rate on the card was entirely for cash advances and further, that both parties also agree the XX/XX/XXXX statements generally had reflected a billed annual percentage of 30 % - including the statement that was sent on that date to the debtor of that balance the employer of this Complainant, XXXX XXXX XXXX XXXX, XXXX ( See the General Ledger 1-page XXXX XXXX XXXX XXXX debtor monthly transaction postings listing based on the monthly Discover Statements postings regularly verified by the companies CPAs for inclusion in the companys financials published to the world in the SEC reports - including the credit card ending in # XXXX amounts in those reports, covering the period from XX/XX/XXXX to XX/XX/XXXX and reflecting a lower average annual interest rate of 24 % for the two months ending on that date, and continuing until the present. Also, the mailing address for the monthly Discover statements was switched back to the This Complainant home address later in the summer of XX/XX/XXXX. ) 3. The only material disagreement between this Complainant and Discover is what was offered and accepted by the two parties between each other forming a contract - in the phone call both parties agree was made on ( or about ) XX/XX/XXXX, and who initiated the call, and why that person made that call. I claim Discover initiated the 1st call - to collect a missed payment. Discover claims I called Discover to tell them I sent a double payment. 4. This Complainant during the 1st six months of XX/XX/XXXX was in the process of resolving over {$300000.00} owed to over 66 creditors of the company ( that had ceased all operations ) and where I had terminated all the employees ( including myself ). With less than {$100000.00} in personal assets readily available at that time to satisfy all the unpaid company creditors, it was very difficult to stay on schedule with the very small number of creditors ( like Discover ) who I would continue to pay timely out of my own pocket - for the following nine years. 5. On XX/XX/XXXX I was called by Discover and told that the payment of about {$290.00} that was due about 20 days earlier ( i.e., it was due on XX/XX/XXXX ) had not been sent, and that there was concern that the next payment ( for another {$290.00} ) would not be sent and received at Discover by XX/XX/XXXX. The rep then told me that if I would send a double payment ( of about {$580.00} ) via priority mail ( costing about {$4.00} and delivering the check to Discover within 3 days ) that Discover would reduce the current interest rate on the card ( of over 23 % ) to only 12 %. 6. My answer to the rep was that I would send the {$580.00} immediately - and the next day I did exactly what I agreed to do. ( See the attached PDF copy of the check I wrote to the local post office for {$4.00} and dated XX/XX/XXXX. Also see the enclosed XXXX XXXX XXXXXX/XX/XXXX, XXXX, Ledger Postings Report item dated XX/XX/XXXX referred to in paragraph # 2 above - where the company check # XXXX was issued for {$580.00} so that I could mail it the next day. ) 7. The XX/XX/XXXX letter from XXXX at Discover reports a story that XXXX was not able to document, and that is contradicted by the facts that are confirmed in the documents attached to this response. XXXX response indicates that I called Discover to report that I had sent a check for {$580.00} on XX/XX/XXXX. Discover called me for a missed payment. It is unreasonable to suggest that I would send a double payment and spend ten times as much as a 1st class mail stamp - for a three-day delivery - without calling Discover first and asking if that would reduce my interest rate by over 50 % over the coming 5 to 10 years. I did not know we had completely missed sending the payment due on XX/XX/XXXX until I got the call from Discover on XX/XX/XXXX. Why would I write a check on XX/XX/XXXX for a payment that I didnt even know we had totally missed sending about four weeks earlier? 8. XXXX also indicated that in the XX/XX/XXXX, call I was told that the two APR interest rates for purchases and cash advances were both being reduced by 4.25 % - but I received no such information on how the two-transaction types would be driving my interest rates - from the rep I talked to in XX/XX/XXXX. In fact, I was unaware that my rates had gone up by over 4 % in the first half of XXXX until I received XXXX letter dated XX/XX/XXXX nearly eight years later. ( Also see the 2 columns added at this time - to the far right side of the 1-page ledger PDF file - of the XXXX XXXX XXXX Report transactions listing also referred to in paragraph 2 above. ) 9. Finally, XXXX letter also indicates that I called Discover in XX/XX/XXXX, but my recollection was that I called in XX/XX/XXXX, because the XX/XX/XXXX statement did not reflect the interest rate reduction to the 12 % I was promised in the XX/XX/XXXX call from Discover. 10. I also clearly remember being told ( in XX/XX/XXXX ) that there was no record that any promise of a rate reduction to 12 % on my total balance had ever been made to me by Discover the previous month ( and that there was no discussion of the rates for neither purchases nor cash advances ). In summary, my recollections of who called who, and what was said, and why, are reasonable - and are also confirmed by my documentation - which I believe contradicts the unreasonable claims made by the Discover Executive in his XX/XX/XXXX letter to me on this subject. It is requested that the CFPB order Discover to refund the excess interest charged me between XX/XX/XXXX, and XX/XX/XXXX, a total in cash of {$11000.00}, since I paid the {$6400.00} balance on XX/XX/XXXX.
11/28/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 76053
Web
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Pursuant to 15 USC 1692a ( 6 ), Discover Financial Services d/b/a Discover Bank is a debt collector. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end consumer credit plan for account ending in XXXX, have been violated by Discover Financial Services d/b/a Discover Bank and my privacy has been breached pursuant to several federal laws that protect my rights as a consumer. Discover Financial Services d/b/a Discover Bank is civilly liable for each violation. I sent a tender/money order for special deposit on the account ending in XXXX on XX/XX/2021 pursuant to 12 CFR 204.2, U.C.C. 3-601, U.C.C. 3-603, U.C.C. 3-604, U.C.C. 3-311. Discover Financial Services d/b/a Discover Bank did not adjust my account in accordance with the special deposit sent nor did they send proper notification that they dishonored special deposit. In the event Discover Financial Services d/b/a Discover Banks dishonor through non-performance and non-response was unintentional or due to reasonable neglect or mistake, in a good faith attempt to obtain satisfactory resolution of a disagreement or problem relative to the transaction from the person honoring the credit card, on XX/XX/2021, I sent a Notice of Default and Opportunity to Cure to Discover Financial Services d/b/a Discover Banks customer service XXXX XXXX and a Notice of Default and Opportunity to Cure to Discover Financial Services d/b/a Discover Bank Corporate Headquarters ATTN the CFO XXXX XXXX XXXX, giving them the opportunity to send confirmation that my account/open end credit plan had been adjusted in accordance with the special deposit in full settlement of the alleged obligation sent on XX/XX/2021 or send a Notice of Dishonor to allow me to cure any defects. Discover Financial Services d/b/a Discover Bank failed to do either and continued to attempt to collect the disputed alleged obligation. In their continued attempts to collect the disputed alleged obligation, Discover Financial Services d/b/a Discover Bank repeatedly violated SEVERAL of my federally protected rights as a consumer in every communication with me and third party consumer reporting agencies. In response to this, pursuant to 15 USC 1692c ( c ), I sent a Cease-and-Desist demand to Discover Financial Services d/b/a Discover Bank on XX/XX/2021 in which Discover Bank is in receipt of as verified by USPS return receipt, with four ( 4 ) exhibits containing each violation I found labeled and highlighted, as well as an attached invoice for the violations pursuant to 15 USC 1692k and 15 USC 1681n. In addition, pursuant to 15 USC 1692c ( c ) ( 2 ), I invoked my specified remedy as a consumer, natural person, and the ORIGINAL creditor and demanded the following : 1. Zero out the balance on this account 2. Apply a permanent credit to XXXX XXXX XXXX open end consumer credit plan account ending in XXXX in the amount of {$10000.00} 3. Pay the invoice attached for breach of violations and damage sustained in the attached exhibits. Discover Financial Services d/b/a Discover Bank received the Cease-and-Desist demand, attached exhibits with violations, and attached invoice on XX/XX/2021, as verified by the USPS green return receipt returned to me. Still, Discover Financial Services d/b/a Discover Bank has continued to violate me and my federally protected rights as a consumer, harass and abuse me, and harm my reputation and injuring my credit score in their continued communications and attempts to collect the disputed alleged obligation. On XX/XX/2021, I received notification from the third party consumer reporting agency, XXXX, that Discover Financial Services d/b/a Discover Bank had continued the adverse reporting injuring my credit score and reputation, and closed my line of credit on account ending in XXXX. Discover Financial Services d/b/a Discover Bank NEVER sent me proper notice of this action PRIOR to communicating this information with the third party. After making several calls to Discover Financial Services d/b/a Discover Bank demanding I be mailed proper notice of this action for my records, I received a letter dated XX/XX/2021 from agent, manager XXXX XXXX. In said letter dated XX/XX/2021, agent, XXXX XXXX, finally acknowledged that Discover Financial Services d/b/a Discover Bank was in receipt of my Notice of Default and Opportunity to Cure dated XX/XX/2021, still dishonoring the notice, the special deposit, as well as my open end credit plan pursuant to 15 USC 1602 ( j XXXX ( an open end credit plan is a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance ). In addition, in the letter dated XX/XX/2021, Discover Financial Services d/b/a Discover Bank had disabled accesses to my account but has no authority to authorize use of my credit card or ANY account associated with my open end credit plan pursuant to 15 USC 1602 ( p XXXX - unauthorized use. According to the agent, XXXX XXXX, Discover Financial Services d/b/a Discover Bank permanently closed Discover Card account ending in 5753 as a result of my good faith attempt to obtain satisfactory resolution of a disagreement or problem relation to the transaction from the person honoring the credit card. This is an individual act against 15 USC 1691 ( a ) ( 3 ) and constitutes discrimination in which Discover Financial Services d/b/a Discover Bank is civilly liable pursuant to 15 USC 1691e. Civil liability under this code is up to and more than {$10000.00} pursuant to 15 USC 1691e ( a ) ( b ). On XX/XX/2021 I received notification from the third party consumer reporting agency, XXXX, that Discover Financial Services d/b/a Discover Bank had continued the adverse reporting injuring my credit score and reputation by furnishing/reporting that my open end credit plan/account ending in XXXX is 30 days past due. Not only is this a complete disregard of my good faith attempt to obtain satisfactory resolution of a disagreement or problem relative to the transaction from the person honoring the credit card, it is a violation of my Cease and Desist demand, in which Discover Financial Services d/b/a Discover is in receipt of as verified by USPS return receipt, Pursuant to 15 USC XXXXk. Discover Financial Services d/b/a Discover Bank is civilly liable for the damages I have sustained as a consumer, natural person, and original creditor of an open-end consumer credit plan for account ending in XXXX as a result of the continued violations breach of privacy, and abusive practices.
08/26/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • VA
  • 22309
Web
This is a follow up complaint to complaint # XXXX. Discover Student Loans lied to the CFPB. It did not resolve any issues and it continues to report my account as delinquent. I spoke to XXXX XXXX XXXX following my initial complaint because I continued to receive harassing phone calls. He assured me the problem would be addressed, although he could not give me a specific time frame for when my account status could be fixed. In the meantime, he took me off the call list. Well, XXXX. XXXX simply removing me from a call list is only a bandaid. It does not address the root of the problem. Furthermore, I've had this problem with Discover Student Loans for more than 10 months now. Time was up a long time ago and we are coming to a point where I have no choice but to take legal action.There is no clear reason why it would take nearly a year to remedy my account as being recorded as past due. I still continue to receive delinquency letters and false reports to the credit bureaus. I strongly urge the CFPB to conduct an investigation into and take action against Discover Student Loans. It is very clear the company is not capable of honest self reporting or policing. As a refresher, here is my prior complaint : I have been going back and forth with Discover Student Loans for seven months and it's exhausting. I originally applied for its hardship assistance program in XX/XX/XXXX. Despite showing I had no income at the time, I was denied. I immediately re-applied with additional documents and was notified I would receive a decision within 10 business days. That time frame past and I'd still not received a response. When I called in XX/XX/XXXX, roughly 30 days after submitting my second application, a support rep initially told me they were still waiting for me to submit paperwork. This couldn't have been further from the truth, and after insisting she check, she verified I had submitted everything required, well within the timeline required. This representative put me on hold while conferring with her " back office team '' and after more than an hour on the phone together, told me I was immediately approved for the hardship program and my account would be updated to reflect as such, as well as being current on payments. I still continued to receive daily calls and letters than my account was past due for the original payment amount, despite making consistent payments of {$50.00} per the program guideline. I spoke to numerous representatives at least weekly to try to resolve the issue. I was told Discover was merging its system with XXXX XXXX, it's previous processor, and that was the root of the issue. The merger was complete at the end of XX/XX/XXXX and yet this problem has yet to be resolved. One particular representative assured me they would correct my account erroneously being reported 60 days past due and that shed also make a note for the reporting department to stop the report for 90 days past due, as I had been making timely $ XXXX/month payments per the program. Neither of those things happened, and my and my co-signer 's credit were negatively impact. It took another month of phone calls and talking to countless reps and supervisors to finally have that resolved and to receive a letter confirming the correction. When I finally received a letter confirming my enrollment in the program, my monthly payment went up by {$14.00} from the original {$170.00}. I didn't understand how this was possible, as it completely defeats the purpose of a hardship program. I called and was yet again informed it was a system error but they would send it to the person who handles these things and was assured this would be fixed. It still has not, and to this day I've still not received any sort of documentation confirming my enrollment and reduced payment of {$50.00} through XX/XX/XXXX. I've repeatedly asked to speak to the back office team that handles the program but am never allowed- they apparently do not accept calls from their borrowers. I repeatedly ask when the " system error '' will be fixed and am told " up to 30 days. '' 30 days has come and gone 180 days ago. No one will tell me what the error is or why if I am approved for the program and it's reflected in Discover 's notes it's not officially being reflected on my account. I initially spoke to a supervisor named XXXX ( ID XXXX ) roughly 3 weeks ago. While he could not give me a definitive resolution, he told me to only speak to him about the matter going forward. He advised that he would have to do some research and would call me back a week later. Unsurprisingly, he never did as that has been the trend with all customer service reps and supervisors at Discover. When I called him 10 days after our initial conversation, he essentially passed the buck to someone else, saying she, not he, would be able to handle my case. No resolution was achieved. I called to speak to XXXX ( ID XXXX ) XX/XX/XXXX but was told she's in a meeting and could call me back that day. She never did. When I called on XX/XX/XXXX I asked to speak to a supervisors superior, as so far everyone at his level has been unable to assist me. Initially, he refused, telling me the only person that could handle my case is XXXX and I could not speak to anyone else. I insisted on speaking to higher management, to which he then informed me his boss was " in a meeting '' but could call me back. I asked who it was and for her ID, his initial response was " we don't have that information. '' I found this very hard to believe since I had names and IDs of his other colleagues and that information was willingly provided to me. He finally told me it was XXXX ( XXXX ). I never received a call from her. I've never been allowed to speak to any management besides immediate supervisors of the support reps who take initial calls. However, XXXX finally called me on XX/XX/XXXX and assured me she was working hard and reaching out to headquarters to resolve the issue with my account- in fact she was going to talk to them daily. It's now 10 days later, I've not heard from her or received any correspondence/letter that the issue has been fixed. I still continue to receive calls and letters that my account is past due. I'm once again at risk of having an erroneous report on my credit, which is detrimental to me as a small business owner and my ability to secure a new apartment in the coming months. Frankly, I do not believe this is a system error at this point. This is more of a systemic bullying tactic to wear borrowers down and force them to give in and pay. I have zero trust in this company from the severe mismanagement and lack of transparency. It makes me absolutely sick to think I'm chained to it until my loans are repaid.
10/16/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • PA
  • 17268
Web
I refinanced the loans that I had with Discover Student Loans through a new finance company. The loans were scheduled to be paid off right around the same time that my payment was due. I contacted Discover on XX/XX/XXXX @ XXXX EST to inquire if I should make a payment if the payoff was not completed by my due date. I was advised that I should not make a payment because they would have to issue a credit. On XX/XX/XXXX I contacted Discover Student Loans again because the payoffs had not been updated on their system. My refinance company had advised that the payoffs were sent on XX/XX/XXXX. During this call I was immediately advised that I needed to arrange to make a payment. I explained my previous call and inquired if the account was noted with this information to which I was advised that it was not. I was advised that they would make a notation of what I was previously advised. On XX/XX/XXXX I accessed my account online and found that payments had posted but not fully paid off. The amount that I refinanced equaled the total amount owed to Discover Student Loans. I contacted Discover on XX/XX/XXXX @ XXXX EST and was advised that some payments may not have posted as of yet but at this point I was missing {$57000.00} out of a total amount of {$110000.00}. This representative generously went into each loan and provided me the amount of funds that posted from each check. My refinance company sent 5 checks, 1 for each loan but Discover took funds from each check and applied it to each loan. The check # s XXXX {$20000.00}, XXXX {$12000.00}, XXXX {$27000.00}, XXXX {$27000.00}, and XXXX {$26000.00}. Out of all of these funds only {$58000.00} was posted towards my loans. XX/XX/XXXX I contacted Discover again because my account was still in the same status, at this time I advised that this needed to be escalated because my finance company had verified that the checks had cleared on XX/XX/XXXX. I had a conference call with my finance company and Discover in order to have them escalate this situation. I received 2 phone calls back from Discover stating that they needed the check numbers from my finance company in order to submit an escalation. My finance company sent Discover confirmation of payment as well as copies of the cleared checks. This information was electronically sent on XX/XX/XXXX. On XX/XX/XXXX my account was still in the status of owing {$58000.00} now due to interest. My Co-Signor and myself scheduled the day off work in order to attempt to get this resolved. I phoned Discover Student Loans at XXXX EST on XX/XX/XXXX. I requested to speak with a Supervisor- XXXX- who advised that it could take another 5 days until the escalation was reviewed and funds processed. I requested to speak with his supervisor as this was unacceptable. These funds were processed by Discover Student Loans on XX/XX/XXXX and as of XX/XX/XXXX my account was not showing a paid in full status. XXXX supervisor was to contact me back between XXXX EST. I received no call to which I contacted them again at XXXX. This time I spoke with a XXXX who stated that funds were being processed as we were speaking. He stated that the supervisor XXXX was still not available. I requested that XXXX contact me back within the next hour, to which I still did not receive a call. I contacted Discover yet again at XXXX, held for while and was then connected with XXXX XXXX At this time funds had been posted to my loans but I still had a balance of {$7000.00} that I still owed. I was assured that this would be resolved by Monday XX/XX/XXXX. I provided XXXX with the horrific details of my many experiences with his customer care representatives and how I had to demand an escalation, provide them with the proof that they received full payments in order to get resolution. I also advised that when the payoff amounts were provided to my refinance company, I had made an additional payment to Discover before the payoffs were completed and that I should have a possible credit owed back to my finance company. He inquired if I had an amount of a credit that I should have. I advised that I did not ... Their system should be able to determine that. He then stated that he would contact me on XX/XX/XXXX and that he would be able to provide me with a $ amount that he could deposit into my bank account for my inconvenience. I continue to advise Discover that they could contact me between XXXX EST to which they continued to contact me 2 hours later because they are located in Mountain time. The 1st call I received from XXXX on XX/XX/XXXX was at XXXX. He left me a message to contact him back. The 2nd phone call was at XXXX from a XXXX stating that all payments were posted and that he wanted me to authorize for them to deposit {$200.00} into my bank account as restitution. I stated that I did not feel comfortable accepting this payment as I did not feel this issue was resolved. I requested to receive records of how the interest was accrued on my accounts and wanted these documents sent to me. I was advised that they would be mailed. I have yet to receive this information. I also requested to understand how this error occurred with my funds and the explanation that I was provided was that the checks did not have account numbers on them so they did not know where to put this money. This company had record of the exact check numbers that were sent but they did not post the entire amounts of these checks. This is fraud! I need verification that the credit amount of {$400.00} listed on my account is true and accurate and not just a bogus amount. I would not authorize for them to deposit funds into my account as they wanted me to listen to a disclosure of the terms of this restitution. Through my research of my account I have found that my original loans with Discover, the 1st 3 years were all at a variable rate. I am not sure how this happened as myself nor my co-signor would have ever agreed to sign for a loan with a variable rate. I have located copies of the original promissory note that does not disclose an amount, rate or that I am agreeing to a variable rate. I again contacted Discover on XX/XX/XXXX requesting that they send me documentation showing what options I chose when I submitted the application electronically back in XXXX. I was advised at that time that they do not have this information and that the promissory note contains all this information. This representative actually uttered a subtle laugh under her breath at me when I advised that I have a copy of this promissory note that does not contain any of that information. I am to be receiving a copy of the promissory note that they have on hand which I am sure is an exact copy of the document I have.
08/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CT
  • 06042
Web
I called Discover Financial Services Customer Service for Credit Card Holders over the course of the last week on multiple occasions.They also have the phone records and it links them to my account. I read them their privacy policy which will be attached below verbatim and expressed that I was exercising my right to OPT-OUT of any and all of my personal, financial and confidential information being furnished to any third party non-affiliates such as credit bureaus like XXXX, XXXX, XXXX, XXXX XXXX and XXXX. Some agents claimed they couldn't opt me out and i spoke to supervisors who said they could opt me out and made claims that they did. Yet I ordered my credit reports from all the bureaus and my information is still being illegally reported. I asked them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting to no avail and more disrespect. This is a clear VIOLATION of my consumer rights under 15 U.S Code 1681b -Permissible purpose of consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) in accordance with WRITTEN INSTRUCTION of the consumer, to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. 15 U.S.Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1666b. A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any reason. My account displays clear VIOLATIONs of my consumer rights According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( 2 ) a ( 1 ), EXCEPT AS PROVIDED in paragraph ( 3 ), the term " consumer report '' does not include reports containing information solely as to TRANSACTIONS. Therefore, I request that my TRANSACTION between Myself and DISCOVER, be updated to what is fair and equitable to me as a consumer. I request Accounts be updated to, PAANL ( Paid As Agreed Never Late to my consumer report. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the Accounts LISTED be BLOCKED and DELETED IMMEDIATELY! YOU ARE IN VIOLATION OF EVERY CODE IVE IDENTIFIED.Discovers privacy policy Specifically says they cant share information on credit worthiness. Theyve been reporting 8 months worth of credit worthiness information unlawfully without my written or verbal consent and thats grounds for an {$8000.00} pay out according to 15 U.S. Code 1681 ( n ), which allows for { {$1000.00} } per violation, for account ending in ( XXXX ) without my expressed written consent. They're in DIRECT violation of 15 U.S. Code 6801 - Protection of nonpublic personal information Specifically this subsection 15 U.S. Code 6801 ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. - ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at anytime. Every discrepancy I mentioned herein is also a violation of the Privacy Act of 1974 FCRA Permissible Purpose The FCRA protects consumer privacy in multiple ways, including by limiting the circumstances under which consumer reporting agencies may disclose consumer information. For example, FCRA section 604, entitled Permissible purposes of consumer reports, identifies an exclusive list of permissible purposes for which consumer reporting agencies may provide consumer reports,8 including in accordance with the written instructions of the consumer to whom the report relates and for purposes relating to credit, employment, and insurance. The statute states that a consumer reporting agency may provide consumer reports under these circumstances and no other. In addition, FCRA section 607 ( a ) requires that [ e ] very consumer reporting agency shall maintain reasonable procedures designed to... limit the furnishing of consumer reports to the purposes listed under section 604. And FCRA section 620 imposes criminal liability on any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to an unauthorized person. In addition to imposing permissible purpose limitations on consumer reporting agencies, the FCRA limits the circumstances under which third parties may obtain and use consumer report information from consumer reporting agencies. FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. The FCRAs permissible purpose provisions are thus central to the statutes protection of consumer privacy. Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. The Bureau and the Federal Trade Commission ( FTC ) have collectively brought numerous enforcement actions to address violations of the FCRAs permissible purpose provisions. For example, in a case that resulted in a XXXX settlement with a consumer reporting agency, the FTC alleged that the agency violated the FCRAs permissible purpose provisions by providing consumer reports to persons without a permissible purpose, resulting in at least XXXX cases of identity theft. More recently, in XXXX, a group of companies and individuals settled Bureau allegations that they obtained consumer reports without a permissible purpose when they obtained consumer reports for use in marketing debt relief services. Also in XXXX, a mortgage broker settled FTC allegations that it used consumer reports for other than a permissible purpose when, in response to negative reviews on a website, it publicly posted information it had obtained from a consumer report about the reviewer.
09/07/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • GA
  • 30093
Web Servicemember
discoverfraud CFPB CASE XXXX CFPB closed my case wont let me reply to them so I have to create the dialogue below to continue the case XXXX. During the course of our investigation, our Fraud Investigations department was unsuccessful in contacting you regarding your fraud claims. -- -- -If you have even read my affidavit? I can't return your call when in XXXX even when I pay to call international, your 800 # was restricted. I was fast enough to pick up XXXX 's call once ( we have confirmed the id copy id fraud sent you was the expired lost/stolen copy of my old license!! ) while in XXXX but XXXX who actually IS the investigator never tried to call me even once. That's just for the first 2 months of the investigation. I flew back in XXXX and started to call you every day initiatively till XXXX. The initial police report information you provided was determined to be invalid by the XXXX Police Department. -- -- -- -- I have told you over the phone it was a temporary report # while in XXXX as I can't call international to local police department. I told you temp pr # already you can't use the word invalid, it's just not the final report #. I have given you 1 XXXX police report for XXXX WHEN purse is lost and stolen which is legit report # but you hide it and never mentioned. I have later filed another discover fraud id theft police report XXXX with my local XXXX police dept again, in XXXX when I came back from XXXX, which is also legit. Both legit police reports you are hiding and never even mentioned. In response to our request for validation of the disputed transactions, the merchant provided documentation including a copy of your drivers license, details of the services provided, copies of the signed receipts and signed consent forms -- -- -- -- -- Again their drivers license is that expired lost/stolen copy of my old license!! Other POS papers and consent papers, their descriptions can all be fraudulently produced!! YET you never mailed none of those id theft provided papers copy to me while I have challenged. Plus I have challenged you and id theft to provide my accurate current info and my physical exams data for the LEAST VITAL DATA that a XXXX $ medical procedure / medicines payment should at least have performed. Again none was provided. Plus they have XXXX of my personal insurance companies info. Right there is the flag of fraud. I use insurance for ALL MY MEDICAL NEEDS. On XX/XX/XXXX, we again reviewed your claims per your assertions and provided temporary credits for the disputed transactions, pending the outcome of the investigation. As the outcome of the additional review determined no fraud occurred, the temporary credits were removed on XX/XX/XXXX -- -- -- -- -you did absolutely nothing for this so called " re-investigation '' keep repeating all those lies TWISTED ACCOUNTS above is what I have heard every-time I have called you. The information you provided, including the fax received on XX/XX/XXXX, did not provide sufficient evidence to overturn the outcome of our investigation. -- -- -- - As your fraud supervisor requested I have faxed my current georgia driver license, affidavit and the police report XXXX is attached right here, these are what you wanted from me, how is that not sufficient? HOW IS THAT NOT SUFFICIENT? Additionally, we received information regarding an additional police report that was filed with the XXXX County Police Department that contained fraud allegations, but when contacted, the XXXX County Police Department advised that the report did not mention any specific charges being disputed or what type of card the alleged fraud occurred on. -- -- -- -- -- -- the police report you are talking about # XXXX is attached right here with our CFPB CASE XXXX. I invite everybody out there to judge the narrative part below : Found my dormant discover card being used for almost XXXX at/by XXXX 's business. Before had a folder with several expired, invalid cards lost from a gas station, this credit card has been dormant for a long time might have misplaced in that lost folder with other expired, invalid or closed cards and personal scratch documents. Ironically couple days before this transaction was my mother 's death, I was her only child in the country, her bag around her stomach has hers and my personal info & cards are also stolen, police report # XXXX with officer badge number XXXX. For the past 3 months I have not even had time to go to work but handling my parent death and caring for my XXXXyear-old. There is no possible way I will be going to seeing ent/facial and spent almost XXXX in 1 day after parent death while I can't even pay for her funeral. I have to ask for school 's donations for funeral. All in all this fraud transaction has come at the wrong timing, right after death, and I'm her only child ... ... the most helpless chaos ever happened in my life-time while my child can't even continue to school here, I have spent the following two-three months in XXXX handling the aftermath of death and moving my family schooling to XXXX. Fraud happening is the last time I want to think of ... ... .. HOW IN THE WORLD THE POLICE REPORT did not mention any specific charges being disputed or what type of card -- -- -DISCOVER CARD! If you have even read anything and did any " investigations ''? None of the above twisted accounts and XXXX XXXX lies will you type out. TOTALLY I HAVE PROVIDED TWO LEGIT POLICE REPORTS REGARDING THE TWO FRAUD TRANSACTIONS, XXXX police report # XXXX ( LOST STOLEN REPORT IN XXXX ) & POLICE REPORT XXXX ( DISCOVER FRAUD XX/XX/XXXX ) Although we consider your balance to be valid, due to your continued dispute, we have reported the account to the credit reporting agencies as disputed and will continue to report it as such unless you tell us to stop reporting it as disputed -- -- -- -- -- -another lie, pls tell all FOUR credit bureaus that this account is under fraud dispute and paid in full closed back at the end of XX/XX/XXXX statement. They are still reporting it as a normal opened LATE account in theirs. ... ... ... .quote " as mentioned previously, ever since XXXX paid the id theft about XXXX $ early this year ( XXXX while I was in XXXX ) without ever talking to me, the whole discover-fraud team has been reluctant to talk to me after she paid recklessly ( she paid fraud way before case expiration, never allowed time for fair investigations ). My understanding is they can't get their payment back from the id theft even if they could help me justify the fraud, then they might as well pass the mistaken payment error to the victim as much as they could. "
01/20/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 92782
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX. Case Numbers : # XXXX, # XXXX, # XXXX, # XXXX, XXXX Discover Card Discover Card Customer Service XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Dear Discover Card : In XXXX, I purchased a new XXXX XXXX XXXX XXXX XXXX that provided me with a free trial of XXXX XXXX XXXX XXXX. XXXX XXXX continued to rollover a yearly fee for XXXX XXXX XXXX from the expiration of the free trial in XX/XX/XXXX until XX/XX/XXXX. XXXX XXXX charged my Discover Card each year in different amounts. No written notification was made through the United States Postal Service. I have not received any notification from XXXX XXXX to my current email address for the past five years. I didnt notice the charges through Discover Card until XX/XX/XXXX. XXXX XXXX fraudently and without authorization charged my Discover Card without my knowledge and consent from XXXX until XXXX. On XX/XX/XXXX, I informed XXXX XXXX via telephone to immediately cancel the automatic renewal of your charges for XXXX XXXX XXXX. XXXX XXXX representatives ( XXXX, XXXX, XXXX, and manager XXXX ) refused to cancel service. They all refused to refund a prorated subscription amount from XX/XX/XXXX through XX/XX/XXXX. The California Business and Professions Code Section 17600, et seq., prohibits retailers, vendors and service providers from charging consumers accounts without express and explicit consent. The Fair Credit Billing Act ( FCBA ) provides that under federal law, a consumer is protected by unauthorized charges. Federal law limits consumer responsibility for unauthorized charges to {$50.00}. The FCBA requires creditors to send bills to your current address at least 20 days before the billing period ends. Despite having my current mailing address ( XXXX XXXX XXXX, XXXX, CA XXXX ) as evidenced by their transaction details on page 5 of the letter I received from Discover Card on XX/XX/XXXX, XXXX XXXX failed to notify me in writing at that address for the billing and charges from XX/XX/XXXX thru XX/XX/XXXX. Charges were accessed in the following amounts for a total of {$370.00} : XXXX {$21.00} ( XXXX/XXXX/XXXX ) Discover Dispute # XXXX XXXX {$75.00} XXXX XXXX Dispute # XXXX XXXX {$86.00} XXXX XXXX XXXX XXXX Dispute # XXXX XXXX {$97.00} XXXX XXXX XXXX XXXX Dispute # XXXX XXXX {$96.00} XXXX XXXX XXXX XXXX Dispute # XXXX On XX/XX/XXXX, I spoke to Discover representative XXXX in Ohio to dispute two transactions in the amounts of {$96.00} for XX/XX/XXXXand {$97.00} for XXXX by XXXX. I also requested Discover Card to block any XXXX charge by XXXX XXXX. XXXX indicated that XXXX charges would be blocked until XX/XX/XXXX. On XX/XX/XXXX, I spoke to Discover Card representatives XXXX and XXXX to dispute the amounts of {$86.00} for XXXX, {$75.00} for XXXX, and {$21.00} for XXXX. On XX/XX/XXXX, XXXX found the XXXX transaction to be valid, on XX/XX/XXXX, found the XXXX transaction to be valid, and on XX/XX/XXXX, XXXX found the XXXX, XXXX, and XX/XX/XXXXtransactions to be valid. Discover stated in all disputes that weve completed our investigation of this transaction. During our review, we considered all information and documentation we received from you and we attempted to obtain transaction records from the merchant... We regret that we are unable to validate the details of your claim. Accordingly, we consider the charge to be valid... The charge will remain on your account and temporary credit will be applied to your account will be reversed. In a mailed letter from Discover dated XX/XX/XXXX, the disputed transaction XXXX in the amount of {$96.00} was rejected and the investigation by Discover was closed. Discover received a letter dated XX/XX/XXXX, from the Chargeback Department of XX/XX/XXXX XXXX. In the letter XXXX XXXX stated that the customer has ordered and received the product. That is a false statement because I never ordered the product. XXXX contends that this charge is an automatic renewal and that there is a 60 day money back guarantee. A customer can contact our customer support team to receive a refund of the renewal amount. XXXX has been using my Discover Card Account Number fraudently for the past five years without my permission. They have used my Discover Card account number ending in XXXX with a false expiration date of XXXX. This is credit card theft. Discover has processed these charges with my Discover Card account without prior personal authorization and notification to me as the card holder and with a false expiration date. As of this date, I havent received from Discover any documentation from XXXX XXXX regarding Discover Disputes # XXXX, # XXXX, # XXXX, and # XXXX. Discover conducted no investigation. Discover relied solely on merchant information that is false and approved transactions with an incorrect expiration date on my credit card. I hold Discover negligent in authorizing these purchases. To resolve the problem, I am demanding a final credit totaling {$370.00} with interest to my Discover Card account. I look forward to your reply and prompt resolution to my dispute. I will be contacting the Consumer Financial Protection Bureau of the Federal Trade Commission and the Federal Deposit Insurance Corporation to file grievances regarding this matter. Please contact me at the above mailing address. Sincerely, XXXX XXXX XXXX XXXX. In Addition : XX/XX/XXXX To : Discover Card From : XXXX XXXX XXXX XXXX. Re : Dispute with XXXX Dispute # XXXX XXXX XXXX I have disputed charges from XX/XX/XXXX with XXXX on my Discover Card for services that I did not authorize. XXXX used my discover card fraudulently for four years as an automatic renewal without my knowledge or consent. I never requested XXXX to renew use of their software since I had an initial subscription when I purchased a new computer in XXXX. On XX/XX/XXXX, I informed XXXX to immediately cancel the automatic renewal on my card. That is when I realized that XXXX was charging my Discover Card for the past four years usually at the end of XXXX. Customer service representatives who refused to cancel service included XXXX, XXXX, XXXX, and manager XXXX. They refused to even refund a pro-rated subscription amount from XX/XX/XXXX through XX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX CA XXXX Norton was sending renewal emails to an email that I no longer used. XXXX used an updated personal Discover Card number, of which, I dont know how they received it. I am requesting that XXXX issue credits to my Discover Card from XXXX after my free trial subscription. XXXX XXXX XXXX XXXX.
07/17/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 90045
Web
On XX/XX/2020, I purchased a product from XXXX XXXX XXXX XXXX for {$540.00}. It was shipped on XX/XX/2020 using XXXX with a tracking number of XXXX. On XX/XX/2020, it was supposedly delivered to my apartment at XXXX. I never received the product. The door to my apartment was never rang, even though I was home the whole day. The package was not around the apartment or at the mail center in the building. I contacted the leasing center for my building and it wasn't there either. On XX/XX/2020, I contacted XXXX to get more information about the delivery. They told me they would have to wait for the following Monday before giving any updates since they need to wait for the driver. At the same time ( XX/XX/XXXX ), I emailed XXXX & XXXX XXXX customer service to let them know about the situation. On Monday, XX/XX/XXXX, I didn't hear anything back from XXXX, so I called them again, to which they said they would contact me the next day with updates. They didn't call me the next day, so I emailed XXXX XXXX XXXX XXXX again asking for my order to be reshipped. They responded telling me they were waiting on XXXX and that it would take 3-5 days. On Thursday, I emailed XXXX XXXX XXXX XXXXXXXX again asking for updates. They responded on Friday saying they are still waiting on XXXX. On Monday, XX/XX/2020, I emailed XXXX XXXX XXXX XXXX again asking for updates. They told me they would receive an update from XXXX on XX/XX/XXXX. During this time, I had also been calling XXXX trying to get any updates from them directly. On XX/XX/XXXX, I hadn't heard anything from XXXX XXXX XXXX XXXX, so I called XXXX and they basically told me that they think they delivered the package to the correct address and that to resolve this I should contact XXXX XXXX XXXX XXXX for a refund. I emailed them that day demanding a refund or I would open a dispute with my credit card company, Discover. On Saturday, XX/XX/XXXX, I opened a dispute with Discover to reverse the transaction. I basically told them the story I am writing here. They reversed the transaction. On Monday, XX/XX/XXXX, I finally got an email from XXXX XXXX XXXX XXXX saying they opened a claim and that they were going to give me a refund. They sent me a form to fill out which basically asked me if I wanted a refund or them to reship the product, and that they were going to file a loss with their insurance company. It also said that if I do end up receiving the product, I must ship it back to them or I face a fine. I agreed, asking for a refund, signed the form and emailed it back to them. At this point since I already had reversed the transaction through Discover and have gotten confirmation from XXXX XXXX XXXX XXXX that they were going to give me a refund, I thought everything was resolved. On XX/XX/XXXX, I noticed the transaction was reapplied to my credit card. Discover had denied the dispute on XX/XX/XXXX, I believe. The only reason I noticed was I was checking my statement. They had supposedly sent me an email, mail and secure message when this was done, but I had never received those, so I only found out more than 2 weeks later. That night, I messaged Discover though their chat application on what I should do. I provided the form to Discover ( the one I filled/signed for XXXX XXXX XXXX XXXX ) to the dispute. Discover told me I would need to contact XXXX XXXX XXXX XXXX to get them to confirm the refund. I sent emails that night to the XXXX XXXX XXXX XXXXXXXX email address ( XXXX XXXX that originally sent me that form to follow up and get this resolved. I explained this whole story again to them and asked why I didn't end up getting the refund confirmed despite filling out the form. On Monday, XX/XX/2020, I called XXXX XXXX XXXX XXXX customer service to get more information. They informed me to email XXXX. I emailed the same thing to that email address. Tuesday, sent a follow up email. Wednesday, called XXXX XXXX XXXX XXXX customer service again. They told me, they informed the chargebacks department and I should get a response by the end of the week. Didn't hear anything back from them. I called XXXX XXXX XXXX XXXX customer service again on Monday, XX/XX/2020. They told me again that they informed the chargebacks department and I would hear from them soon. Nothing. I called again on Tuesday, XX/XX/2020. They told me that they informed someone else and that they would check with accounting to make sure they received the money from the transaction, and after confirming that they would give me a refund. They told me I would hear back in 1-2 business days. On Friday, XX/XX/2020 I had still not heard anything. After not hearing anything on Friday, XX/XX/2020, I contacted XXXX XXXX XXXX XXXX customer service again. This time they informed me that they closed the claim that I had originally made. They had also told me that since I made a dispute with XXXX that they weren't going to reopen the claim or look into this issue any further. Basically, they weren't going to honor the refund, despite me filling out the form a doing everything that I did, because I opened a dispute with Discover. I contacted Discover the immediately afterwards and they told me, since they had received confirmation of delivery by XXXX XXXX XXXX XXXX of the product that I would need to take it up with them or XXXX. Discover would not look into the dispute anymore since the store saying that the product was delivered is good enough. Since XXXX XXXX XXXX XXXX and Discover both said they wouldn't look into this anymore, I contacted XXXX again. They informed me that since the last call that I gave them, on XX/XX/2020, that no further investigation had been made on this package and that XXXX XXXX XXXX XXXX had not done anything to try to investigate. Basically, XXXX XXXX XXXX XXXX didn't do anything with XXXX after I started the complaint, despite them repeatedly telling me that they need to wait on XXXX. So, here I am filing a complaint to the CFPB directly, since this issue still hasn't been resolved. I find it outrageous how they won't honor a refund because you opened a dispute with the credit card company and also that Discover won't help push forward on this dispute at all, just because the store said they delivered the product. ( Which I was aware that the status of the package was marked as delivered from the start ). In conclusion, never do business with XXXX XXXX XXXX XXXX and don't expect Discover to help you at all on situations like these.
07/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 787XX
Web
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXXXXXX XXXX, IA XXXX Subject : Complaint Regarding Inaccurate Personal Information on Credit Report Dear Sir/Madam, I am writing to file a formal complaint against Discover Bank regarding the inaccurately reported account that they reported on my consumer credit report. I believe that their negligent reporting has resulted in significant harm to my financial reputation and has hindered my ability to access credit on fair terms. Discover has reported an account on my credit report as charged off for almost 5 years. According to the IRS in order for a debt to be charged off the debt would've had to be canceled by properly filing a 1099c form with the internal revenue service. I recently called Discover at the beginning of XX/XX/2023 to request a copy of the 1099c form for the canceled debt. I was told verbatim by one of Discover 's representatives that there was no 1099c filed for this debt due to a possible mix-up. According to the IRS in order to charge off a debt the company has to file a 1099c, by doing so they claimed the debt as unretrievable, and write it off which the debt is then classified as _____ income. Violation number 1 : Income can not be reported on a consumer credit report. After calling I decided to do my due diligence and mail a formal request to Discover to retrieve the 1099c form which I am legally entitled to. Not to mention that the 1099c form is required to be sent to the account holder as notice that the debt was canceled/charged off which it NEVER was because as the representative told me it was NEVER FILED. After sending my request via certified mail I received no response from said company within the reasonable time frame given. If the 1099c form was never filed then this account has been FALSELY reporting on my credit report for 5 plus years. I am deeply concerned about the impact this FRAUDULENT reporting may have had on my creditworthiness and overall financial standing for these last few years. As a responsible and diligent consumer, I have taken steps to ensure the accuracy of my credit report, including regularly monitoring my financial activity, promptly addressing any concerns, and maintaining good credit habits. However, despite my efforts, it appears that Discover and the credit bureaus have failed to fulfill their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate and up-to-date information. I kindly request that the Consumer Financial Protection Bureau intervene in this matter to rectify the situation promptly. Specifically, I request the following actions : Conduct a thorough investigation : I urge the CFPB to initiate an investigation into the inaccurate personal information reported by Discover. This investigation should encompass the specific inaccuracies I have identified, as well as any other potential errors that may exist within my credit file. Prompt removal of inaccurate information : Upon completion of the investigation, I insist that XXXX, XXXX, and XXXX be instructed to remove all inaccuracies from my credit report immediately. It is crucial that my credit report accurately reflects my personal information and financial history, as any further delays may result in unjust consequences for my creditworthiness and financial well-being. Notification of resolution : Once the necessary corrections have been made to my credit report, I kindly request that the CFPB ensure I am promptly notified of the resolution in writing. This notification should include a copy of my updated credit report reflecting the accurate information. I believe that by taking swift action on this matter, the CFPB can uphold its mission of protecting consumers and promoting fair and transparent financial practices. I trust in your commitment to ensuring the accuracy and integrity of credit reporting, which plays a crucial role in the lives of countless individuals. Enclosed with this letter are copies of the relevant documents supporting my claims, including my credit report highlighting the inaccuracies. Please find the enclosed documents for your reference. Thank you for your attention to this matter. I sincerely hope for a prompt resolution to rectify the inaccuracies on my credit report and restore my financial reputation. I appreciate the vital role the CFPB plays in safeguarding consumer rights, and I have confidence that my complaint will receive the attention it deserves. Should you require any further information or documentation, please do not hesitate to contact me at the provided contact details. I eagerly await your response and the resolution of this issue. Yours faithfully, XXXX Broken Laws & Violation : 15 U.S.C 1681 section 602 A. States I have the right to privacy. ( For starters I never gave consent for this private information to be reported on my credit report and it is highly invasive. Furthermore, the canceled debt is classified as gross ordinary income by definition of the federal law and the IRS. As stated by law Income can't be reported to a consumer 's credit report ). 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( I never gave consent for this private information to be reported on my credit report and it is extremely invasive. I also never received notice of the debt being late nor charged off. According to the law in order for a debt to be considered charged off the debt presumably by law was canceled which requires a 1099c form to be sent via mail which could've sufficed as notice but such form was never received. If the proper procedures were followed I wouldve been served my 1099c according to verbal confirmation from the IRS. I have requested this form from the creditor via certified mail and have yet to receive a response. It is safe to assume their silence means they are in agreement or they can not provide the form because it was never properly filed which is HIGHLY illegal and violates my rights as a consumer ). 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
11/10/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • NY
  • 10472
Web Older American
In XXXX, XXXX I lost my employment for beig ocnsidered " old '', and was bullied out of my employmnt after working for XXXX XXXX XXXX XXXX for almost 20 years without a blemish, almost perfect attendace, and in those years, I raised over {$70000.00} for the XXXX XXXX . I contacted all of my creidtors, made them aware that my wife and I were care givers to my XXXX year old Mother in Law, God bless her, who sufferred from XXXX XXXX XXXX since year XXXX. Mom died of XXXX in XX/XX/XXXX two months after being diagnosed at XXXX Hosptial in XXXX XXXX. My former Employer was aware of my diffculties, but elected to be arrogant, and made life diffuclt for me when I began to be absnet to care for my Mother In Law. I was dismisised and subjected to a visceral smear campaign where employees of my former Employer ( alll Women ), staged illegally placed old XXXX photos from the XXXX on the desk where I worked at XXXX XXXX XXXX in XXXX XXXX. ( I have the evidence )., The local NY State Homan Rights division " dismissed '' my complaint on grounds I had " Insufficient evdinece. ", meaniong, they did not want to raock the boat especially with a politicall well connected blue chip law firm XXXX XXXX XXXX XXXX XXXX, that represented my former employer. During my difficulties, I notified all credit cards. I had engaged XXXX XXXX in XX/XX/XXXX to help me reorgnize my dewbt, hoping XXXX would contact my creditors immediately to make them ware I was attempting a good faith effort to pay them all, under a reogranizaiton of my debt sinceI was out of work. I have letters to prove I contacted Discover Bank card ending in XXXX, XXXX XXXX XXXX ending in XXXX, and XXXX XXXX card ending in XXXX. A little over a year ago, XXXX XXXX allowed me to continue payin monthly at {$60.00}, the card ending in XXXX, but they refused to reduce their astronomicallly high interest rates So I am paying {$68.00} montylhy ( how they upwardly changed the amoun t form {$60.00} to {$68.00} is beoynd me ), and I'm paying {$50.00} extra on my checking account to reduce the balance still at over {$2500.00} with monstrous interest rates ( white collar extortion ), so I will finish paying XXXX in 5 years at the rate they squeeze me. I wish they would reduce the interest on the card even to 7 or 5 %. Discover card ignored my please, telephone calls, and XXXX ruined my credit by dbeing neglectful, allowed my cards to default so they could collect bonus/fees or claim they had reached " a settlement '', after all my credit cards had defaulted, which was to thier beneeficila financial interest. I found out and learned the hard way that I could negoitate settlements, so I did this with XXXX XXXX, XXXX, even XXXX XXXX which has amon the highest mafia style interest rates, on their claim they help consumers get credit again, at zenith interest mob like rates, no disrespect intended, I am grateful to them. I have attached a letter or law suite that was improperly served on me by Regular Mail, I recieved this document on Saturday XXXX, XXXX XXXX, XXXX whose contents state they are represented by a law firm in XXXX XXXX, NY I am in the XXXX, and the lawsuite is on behalf of XXXX XXXX XXXX ( notoriously unfriendly debt collectors ( I read the horror stories on the Internet ), and DISCOVER CARD. The problem I have with this pice of crrespondnece is that the lawsuite agaisnt me was filed XX/XX/XXXX. No one ever came to serve me in person, nor did anyone attmept to inform me, notify me of this excessively litigious effort, in spite of my numerous good faith efforts contacting Discover Card, and XXXX XXXX ( Arizona ) Attn XXXX XXXX ( a real difficult person to speak to ), in an attmept to arrive at a satisfacotry settlement of Discover Card. XXXX claimed she would settle at {$3500.00}, however, a reivew of the attached document shows XXXX/Discover acted in BAD FAITH, and are demanding {$4600.00} plus filing fees, and court costs. In other words, XXXX on behalf of Discover wants to have their cake, and eat it too! You can't on the one hand, make a proposal to setttle for less, and then go behind my back and sue me for a lot more. That is not fair. This kind of fiscal chicanery and wilful perfidy is a travesty of justice! The attached document was never served upon me personally, and I just recieved the attached documen by regualr U.S. Mail only yeasterday Saturday XX/XX/XXXX in my mail box! The lawsuit must be dismissed on gournds of unethcial improprer service of a Notice to Sue, and on grounds a settlement amount was previously proposed to me. The delay in responding to XXXX owed to the fact that my wife of over 25 years, had XXXX XXXX XXXX in the past, ( her Mom dided of XXXX last year asI described in the early part of this naraative ) and she is suffering from XXXX, I am also helping to pay afuneral bill for my Mom in Law ( she had no burial fund ), andthank God, I found work with a local government agency. I am getting back on my economic feet slowly. I need for Discover Card ( card ending in XXXX ), XXXX XXXX ( Card ending in XXXX ), and XXXX XXXX ( Card ending in XXXX ) to show good faith to me. I have never welched on my debts, and I am an honorable Man who long ago, went before the old military XXXX XXXX accompanied by my XXXX XXXX, the XXXX XXXX existed, and I attended a Hearing on my fitness to serve the military during the War in XXXX. No one at that time, least of al,, our government in Wshington, DC never asked me if I was willing to bear arms, give pu my life in a controversial War, however, I did not have wealthy, politically well connected parents who could afford to hide me in XXXX as hundreds of thousands of families did to protect their Sons and Daughters, I went voluntarilly before the Military XXXX XXXX and honorably represented myself accommanied by my XXXX ( I'm a member of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and an XXXX XXXX ). I did not run and hide from my duty as an American! These credit card companies are to be commended for giving me credit, however I need their help to pay them via terms that are truly fair to me, and which allow me to pay donw my oblgiaitons witohut bleeding me. My Wife means the World tt me, I must care for her. I love her deeply, and she is all I have in this Wolrd that matters to me. She is immersed in deep grief over her Mother 's death last XXXX, XXXX, and my Wife, God bless her, suffers from deep XXXX, she underwent very serious XXXX XXXX in the past.
10/22/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • IL
  • 603XX
Web
What was the Fraud that occurred? On XX/XX/XXXX XXXX sent an email to XXXX from an employment advertisement on XXXX regarding a XXXX XXXX Manager. On XX/XX/XXXX XXXX XXXX sent an email reply to XXXX stating a contract will follow and questioned, do you have Federal Security Clearance. XXXX stated he did not but worked for the XXXX XXXX XXXX in the past. On XX/XX/XXXX, XXXX XXXX emailed the XXXX contract and documentation as to the legality, authenticity and validity of the company to XXXX. XXXX hired Lawyer XXXX XXXX to verify that the company and the business contract was valid and legal. Attorney XXXX sent an invoice for his services. Upon the determination by XXXX that the contract and company was verifiable as a US corporation and contract business concept was reviewed, XXXX entered into an employee position as XXXX holdings as a Purchasing/Supply side manager. XXXX XXXX provided a supervisor who gave details of a training period of eight purchases to be sent to an XXXX facility customer overseas. XXXX was provided instructions from XXXX XXXX for that training period of time. XXXX was instructed to use pay off any balance on his credit card with XXXX XXXX XXXX account number to verify the company was operating in good faith. XXXX was instructed to make purchases of retail items during this training period to purchase XXXX, XXXX, and laptops and was instructed to make plans to fly to New York after for further training and to receive a XXXX XXXX XXXX XXXX Credit card with a purchase limit of {$80000.00}. During the course of four weeks XXXX completed eight purchases per his employment agreement and training period on XXXX accounts ending in XXXX,XXXX,XXXX and Discover Card account ending XXXX and was reimbursed by XXXX XXXX XXXX account to reflect a balance of XXXX on each occurrence. After each purchase XXXX was instructed to use XXXX XXXX XXXX bank account to reimburse his charges. o Account number : XXXX Routing Number ( RTN ) : XXXX Account Type : SAVINGS, PERSONAL Bank name : XXXX XXXX XXXX o Account number : XXXX Routing Number ( RTN ) : XXXX Account Type : CHECKING, BUSINESS Bank name : XXXX XXXX XXXX This account was not used but given after the other did not work. How Did the Fraud happen? On XX/XX/XXXX XXXX used the XXXX XXXX XXXX account to pay a previous dept of {$2400.00} on XXXX XXXX balance upon the direction of XXXX XXXX Manager of XXXX XXXX. This was conducted though the XXXX app. The account numbers were entered into the application and the transaction was confirmed as a XXXX balance. XXXX applied the XXXX XXXX XXXX account number to pay XXXX XXXX Credit card with a balance {$8100.00} on XX/XX/XXXX. 26 days later on XX/XX/XXXX XXXX received NOTICE the transaction was not valid on the XXXX app and was contacted by a XXXX representative seeking a monthly payment of {$300.00} On XX/XX/XXXX XXXX discovered from both the phone conversation and via email from XXXX XXXX that XXXX XXXX XXXX transactions were invalid from both speaking to the 20 year Discover Card customer service representative regarding an online alert from Discover XXXX app. On XX/XX/XXXX, XXXX the Discover Card representative informed XXXX that the failure of XXXX XXXX XXXX to process a transaction is most likely an employment crime/ scheme designed to defraud XXXX and that all transactions from XXXX XXXX XXXX including payments were most likely involved in money laundering or other criminal activity from a foreign country/ entity. On XX/XX/XXXX, XXXX received an email from XXXX XXXX reporting a failed XXXX XXXX XXXX transaction. At this point on XX/XX/XXXX, XXXX drove to the police department to speak with XXXX XXXX ( XXXX ) for report number XXXX at central time XXXX XXXX called XXXX XXXX, DISCOVER and XXXX XXXX XXXX to report fraud activity and to dictate details to include police report on XX/XX/XXXX. At this time all previous card payments were REVERSED by the process of declined bank transaction. My point of contention is that all transactions looked good until I called XXXX XXXX XXXX and told them that the account they own has been hacked/stolen/ or is in use by criminals. In addition, all the banks show the date of decline as the same date of purchase, THIS IS MISLEADING AND FALSE. I have attached an example of the longest of these from my XXXX slate credit card account. This example shows on XX/XX/XXXX a payment was made and on the same day was returned. This is not the case. When I learned from the Discover Card employee on my last attempt to make a payment and he alerted me to the fraud saying. IN 20 years of working with Discover I have not seen any of these employment / purchasing contracts pan out. ON XX/XX/XXXX I called XXXX XXXX XXXX and ALL of these transactions were reversed. My questions for you are Does this misleading XXXX balance mechanism open a portal for abuse between banks? XXXX XXXX says they do it as a courtesy. How many fraud transactions have been conducted because of this business practice? I believe this aspect of banking with Credit Cards is wrought with abuse and allows for fraud to occur. See Picture 1 for transaction {$8100.00} on XX/XX/XXXX. This is a typical example of all statements that show the reversal on the same day as the purchase. How can Credit card companies go back in time and change statements after the fact to demonstrate a misleading account ledger? It does not show a chronological tally of events but rather one that fits the bank. This is true for Discover, XXXX, and XXXX XXXX. They all changed their reporting after I called XXXX XXXX XXXX to alert them of fraud on the account number given to me. How can XXXX XXXX XXXX be held accountable for the actions of their account holders when they are in essence money laundering and in violation of the US Patriot Act and RICO law? I have emails directing me to make purchases and pay off transactions by the company XXXX by XXXX XXXX. That company used XXXX XXXX XXXX financial institution to conduct business. They are criminals residing at the website XXXX. This website is up and running and using accounts currently from XXXX XXXX XXXX. Discover and XXXX XXXX all accept funds from this bank that is actively working with a criminal enterprise in a foreign country. How much money does XXXX XXXX XXXX earn from fees and transaction costs from these criminals? How much does Discover and XXXX XXXX????? Picture 1
12/15/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • GA
  • 303XX
Web Servicemember
Submitted XX/XX/XXXX Typed XX/XX/XXXX: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PH:. XXXX PH: XXXX EM: XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth XX/XX/XXXX SS#: XXXX TO: * Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX XXXX, I've received more than one email from Discover Card in my XXXX XXXX, past emails from Discover Card were unautherized deletions. From: Discover Card XXXX To: You XXXX Date: XX/XX/XXXX, XXXX XXXX XXXX From: Discover Card XXXX> To Recipient Date Mon, XX/XX/XXXX XXXX XXXX I dont and havent ever had a Discover Checking, Savings, Business Accounts nor Loans of any kind through any Bank called Discover. The 1st time I was contacted by Discover Card I resided alone from XX/XX/XXXX to XX/XX/XXXXat XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX years prior to me moving here to XXXX, XXXX in XX/XX/XXXX. When Discover Card had 1st contacted me in XXXX, XXXX it was associated with my XXXX XXXX XXXX website related online Merchants Account. Not once have I ever applied for or had any Website Merchant Accounts here in XXXX; I only applied for online online Merchant Accounts associated with my XXXX related Accounts I purchased while residing in XXXX, XXXX. Some of my website related information was stolen both in XXXX, XXXX and here in XXXX along with my other property that hasn't been returned to me. I don't and haven't ever had any XXXX XXXX related Agreements,Contracts or Credit Cards offered to Veterans associated with ones businesses. Nor have I ever applied for or had a Business License or Business Permit in any City or State inspite of my diverse interest. Not once have I ever allowed another be it an Paralegal, Payee, Attorney, Employers, Landlords, Veteran Organizations including Vocational Rehabilitation Programs, XXXX( XXXX XXXX XXXX, XXXX XXXX, Entertainment Companies, Banks, Celebrity Personal Assistant Agencies or Celebs, Shelters, Charities, HUD, Housing Arthority, Department of Veteran Affairs, Military, Law Enforcement or anyone else nor their employess to sign any business related Agreements or Contracts on my behalf; not even my family members or friends. None of my XXXX XXXX attempts were associated with my Employers, Department of Veteran Affairs,Vocational Rehabilitation Programs Military, Landlords, HUD( Housing Authority),Friends, Family nor did I ever sign related Agreements or Contracts with them. Not once had I ever provided anyone the passwords to be able to sign into my accounts rather were aware of my accounts or not. Yes, my desktop computer that was stolen along with my other property XX/XX/XXXX was registered with my Online Merchant Account. I had paid for my Merchant related Accounts through my same XXXX XXXX XXXX Account I purchased both of my XXXX XXXX XXXX related accounts through. That was 1st once during the Summer of XX/XX/XXXX and 2nd my related website months later, while I resided in XXXX XXXX and I worked for XXXX. I never offered nor did I ever sign any business Contracts or Agreements with XXXX nor my Landlord or their staff associted with any of my online websites or Merchant Accounts. My XXXX XXXX XXXX Compensation was deposited into both of my XXXX XXXX XXXX Accounts at that time. My account was changed during the Summer of XX/XX/XXXXbecause of theft of my Bank Card. None of my Checking,Savings, past Credit Cards or Business related were shared accounts in which others were allowed to use to make purchases. I had written checks from my XXXX XXXX XXXX account to pay for my XXXX XXXX XXXX XXXX on the XXXX XXXX here in XXXX in XX/XX/XXXX before it's name changed to XXXX XXXX. Prior to me using my same account open a Checking account in person at XXXX XXXX before it's name was changed to XXXX XXXX. Where my XXXX XXXX XXXX XXXX has been deposited since that time. I had used my XXXX XXXX Checking to pay for my XXXX XXXX XXXX XXXX both before theft of my property XX/XX/XXXX and that was also prior to the theft of my property from my XXXX XXXX XXXX XXXX in XX/XX/XXXX. I've stated this many times: I paid for my 1st XXXX XXXX XXXX Membership while employed at XXXX using my XXXX XXXX XXXX account XXXX my XXXX XXXX XXXX XXXX was also deposited. That was changed to XXXX because I didn't receive my 1st XXXX XXXX XXXX Card the bank sent to XXXX XXXX residence on XXXX XXXX in XX/XX/XXXX while I was there. In which both my XXXX salary and XXXX XXXX XXXX XXXX were deposited into my account, no money from XXXX XXXX nor anyone else that was at that residence was given to nor were any of my children there. Nor did XXXX or any other person at that residence ever give me my missing Bank Card not even after I moved out and stayed a month at XXXX XXXX XXXX using my replacement card to pay for my Hotel room. Which is the same account I used to pay for XXXX XXXX Membership, XXXX XXXX XXXX, XXXX XXXX Membership fees, and various online Merchant Account activation related fees. * XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Membership # XXXX * XXXX XXXX Membership # XXXX * Total Merchant Services XXXX and XXXX. * XXXX XXXX XXXX XXXX XXXX * XXXX XXXX changed my $XXXX a month fees to my XXXX XXXX XXXX account #XXXX. XX/XX/XXXX - XX/XX/XXXX XXXX XXXX, XXXX. Rep: XXXX XXXX XXXX, Fl XXXX XXXX Website XXXX Software and website owner, I performed Internet advertising and marketing, to promote this software and website. I worked and XXXX from my home XXXX XXXX XXXX XXXX XXXX , XXXX. I purchased XXXX XXXX XXXX-Software Electronic Book CD and was given a website to promote the software on the internet. The XXXX was given a copy of my website owner certificate document submitted to me when I purchased the software marketing program as well copies of my other school transcripts in addition to XXXX XXXX XXXX for example. XXXX, represented the first initials of my children's names. I wasn't ever paid and I'm still owed the money. Nor did my marketing program have anything to do with any schools, college nor university programs nor did I ever offer or sign any agreement to include it such. Nor did my XXXX XXXX XXXX have anything to do with any other employers, Department of Family and Children, Military, Veteran Organizations or Food Stamp programs, Section 8 nor Indianapolis Housing Authority for example; only me. Thank you, XXXX XXXX
03/29/2022 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • TX
  • 75039
Web
I extended my credit to Discover Student Loans evidenced by my Social Security Credit Card Account number being attached to the Loan Application and Promissory Note. Credit Card is defined as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This is evidence that my Social Security Card was used as a Credit Card in order to authorize and consummate the Account No. XXXX. An appropriate indorsement will show proof that the promissory note has been negotiated and that the alleged indebtedness has been paid off and I am not liable for the obligation. I have requested that Discover provide me with additional clarification in regard to this alleged extension of credit. This can be evidenced by the attached Fundamental Right to Information Request. This request was responded to by XXXX of the Executive Office of Customer Advocacy however XXXX failed to provide me with what I specifically requested which was a copy of the indorsement made on the Promissory Note. This additional clarification / documentary evidence is necessary in order to clarify the alleged extension of credit that consummated the account XXXX. After multiple attempts to get the requested indorsement Discover still refuses to address my concerns. The refusal to provide this information to me is evidence of Discover Student Loans attempting to Conceal a material fact which is a violation of 18 U.S. Code Subsection 1001 and 18 U.S. Code Subsection 2071. Discover Student Loans has also accepted and deposited payment from me in the full amount of the loan evidenced by attached payoff notice dated XX/XX/2019. However Discover Student Loans kept my payment and reversed my payment without sending me any written communication or returning my payment to me or providing any transparency or disclosure of what happened with my payment. This is evidence of embezzlement. Even when I spoke with Customer Service they told me over the phone they will send me my payment back before promptly hanging up on me. However I never got my payment back. This has caused me and my mother who co signed for the loan serious harm, emotionally, psychologically, and financially as the said student loan has reported negatively on both of our credit reports and caused us to not have adequate access to credit. Consequently, Discover Student Loans has been holding my mother and I as peons in a system known as peonage by means of involuntary labor, in the liquidation of a perpetual debt in an amount over {$8000.00} the foregoing was established, maintained, and enforced evidenced by the policies, procedures, customs and practices of which was utilized by Discover Student Loans to willfully subject my mother and I to the deprivation of our rights secured and protected by the Constitution and Laws of the United States. Congress has the power to make all Laws which shall be necessary and proper for carrying into Execution all powers vested by the Constitution in the Government of the United States, or in any Department or Officer thereof. Under the laws of one of the greatest documents of all time-the American Constitution, all persons within the jurisdiction of the United States shall have the same right in every State and Territory to make and enforce contracts. Equal rights are protected against impairment by nongovernmental discrimination and impairment under XXXX of State law. The Constitution, and the Laws of the United States which shall be made in Pursuance thereof ; and all Treaties made, or which shall be made, under the Authority of the United States, shall be the supreme Law of the Land ; and the Judges in every State shall be bound thereby, any Thing in the Constitution or Laws of any State to the Contrary notwithstanding. The Senators and Representatives before mentioned, and the Members of the several State Legislatures, and all executive and judicial Officers, both of the United States and of the several States, shall be bound by Oath or Affirmation, to support the Constitution. Any member of an organization which unlawfully advocates, for the overthrow of our constitutional form of government by preventing others from the free exercise of rights under the Constitution and laws of the United States may not accept or hold a position in the Government of the United States or the government of the District of Columbia. Every organization and member thereof which unlawfully advocates or practices under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws of the United States, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress. The holding of any person to service or labor under the system known as peonage is abolished and forever prohibited in any Territory or State of the United States ; and all acts, laws, resolutions, orders, regulations, or usages of any Territory or State, which have heretofore established, maintained, or enforced, or by virtue of which any attempt shall hereafter be made to establish, maintain, or enforce, directly or indirectly, the voluntary or involuntary service or labor of any persons as peons, in liquidation of any debt or obligation, or otherwise, are declared null and void. Whoever knowingly obtains the labor or services of a person by means of force, threats of force, physical restraint, or threats of physical restraint to that person, serious harm or threats of serious harm to that person, the abuse or threatened abuse of law or legal process, any scheme, plan, or pattern intended to cause the person to believe that, if that person did not perform such labor or services, that person would suffer serious harm or physical restraint. Any one of or by any combination of the aforementioned is punishable by fine, imprisonment for any term of years or life, or both. Whoever knowingly benefits financially from participation in a venture which has engaged in any one of or by any combination of the aforementioned is punishable by fine, imprisonment for any term of years or life, or both.
08/22/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Overcharged for something you did purchase with the card
  • MI
  • XXXXX
Web Older American, Servicemember
I stop using the two credit cards from Discover. BUT they kept transferring funds out of them to their fake accounts. A few Federal Court orders that they have not followed! Discover, Discover Card, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Discover personal loans, XXXX XXXX XXXX has along history of preying on seniors and disable veterans. A few of the Federal court ruling against Discover for consumer fraud! The Discover Fake Credit Card Agreement Class Action Lawsuit is XXXX XXXX v. Discover Bank, Case No. XXXX, in the in the Supreme Court of the State of New York , County of New York. The Discover FCRA Class Action Lawsuit is XXXX XXXX v. Discover Bank, et. al., Case No. XXXX, in the U.S. District Court for the Western District of Wisconsin . XXXX XXXX XXXX has reached a {$10.00} million class action lawsuit settlement over allegations it duped its customers into signing up for the fee-based products : Discover Payment Protection ( formerly known as XXXX XXXX ), Identity Theft Protection ( formerly known as Profile Protect ), Wallet Protection ( formerly known as The Register ), and Credit Score Tracker. As a result, consumers who were enrolled in one of these products between XX/XX/XXXXand XX/XX/XXXX may be eligible to receive up to {$30.00} from the Discover product class action settlement. XXXX XXXX XXXX has reached a class action settlement over allegations that it used an automated telephone dialing system and/or an artificial or prerecorded voice to place non-emergency telephone calls to a cellular telephone in violation of the Telephone Consumer Protection Act ( TCPA ). If you received an automated call from XXXX XXXX XXXX or any related parties between XX/XX/XXXX and XX/XX/XXXX, you may be eligible to receive financial compensation. A lawsuit has been filed against financial giant Discover, alleging that the company called more than a hundred times to try and collect someone elses debt. The phone call lawsuit claims that Discovers actions violate federal laws detailed in the Telephone Consumer Protection Act ( TCPA ) designed to protect the public from harassment Law360, New York ( XX/XX/XXXX, XXXX XXXX EST ) -- Discover Bank and law firm XXXX XXXX XXXX XXXX XXXX were hit with a proposed class action in Pennsylvania federal court Friday that accuses them of trying to collect on credit card debt without proper evidence. According to the suit, filed by customer XXXX XXXX XXXX XXXX, XXXX, Del.-based Discover, its subsidiary XXXX XXXX XXXX and XXXX-based XXXX, which serves as a debt collector for Discover, have engaged in an illegal and deceptive scheme to collect credit card debt from customers, using false information to back their claims. A FEW CASES AGAINST XXXX, XXXX XXXX XXXX for violation the laws! CFPB Files Suit Against Law Firm for Misrepresenting Attorney Involvement in Collection of Millions of Debts CFPB Alleges XXXX, XXXX XXXX XXXX XXXX XXXX with Misleading Calls and Letters XXXX, D.C. Today, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit in a federal district court against the debt collection law firm XXXX, XXXX XXXX XXXX for falsely representing in millions of collection letters sent to consumers that attorneys were involved in collecting the debt. The law firm made statements on collection calls and sent collection letters creating the false impression that attorneys had meaningfully reviewed the consumers file, when no such review has occurred. The CFPB is seeking to stop the unlawful practices and recoup compensation for consumers who have been harmed. XXXX XXXX XXXX XXXX XXXX XXXX Contacts & XXXX : XXXX Illegal Collection Practice What can I say? The reports on this company when you XXXX them are shocking and the company has been sued in all 50 states. At my last knowledge banned in 2 states for abusive and illegal practices.The use court documents to intimidate consumers into releasing personal information. The documents are legit, they are used in court but the trick is XXXX does n't file them as required by law and they seem to forget that a JUDGE NEEDS TO SIGN the document before they can send a subpeona. They ca n't forge some signature and there will be a raised seal on the document. Ohio debt collector XXXX, XXXX XXXX XXXX XXXX, XXXX is the defendant in a second class action filed on XX/XX/XXXX, this time in Pennsylvania federal court, alleging violations of the Fair Debt Collection Practices Act ( FDCPA ). The plaintiff in this case claims the defendant sent her a collection demand letter that misleadingly implied through its letterhead that attorneys at law had reviewed her account. The lawsuit alleges including language in a collection notice implying attorney involvement when there is none is a misrepresentation that violates the FDCPA. Case XXXX Document XXXX Filed XX/XX/XXXX Page 2 of 5 EASTERN DISTRICT OF MICHIGAN NORTHERN DIVISION XXXX XXXX XXXX , individually and on behalf of a class, Plaintiff, v. XXXX, XXXX & XXXX XXXX XXXX MICHIGAN d/b/a XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ; and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Defendants. Case No. XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( S.D. Ohio XX/XX/XXXX ) U.S. District Court for the Southern District of Ohio - XXXX XXXX XXXX. XXXX XXXX ( S.D. Ohio XX/XX/XXXX ) XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, v. XXXX, XXXX XXXX XXXX, Defendant. No. XXXX. United States District Court, S.D. Ohio, Western Division. XX/XX/XXXX. XXXX XXXX XXXX, XXXX, OH, for XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX, XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH, for Defendant. *1094 DECISION AND ENTRY SUSTAINING PLAINTIFF 'S MOTION FOR LEAVE TO PERFECT SERVICE OF PROCESS OUT OF TIME ( DOC. # 13 ) ; DEFENDANT 'S MOTION TO DISMISS, PURSUANT TO FED. R. CIV. P. 12 ( B ) ( 5 ) ( PORTION OF DOC. # 9 ), IS OVERRULED ; DEFENDANT 'S MOTION TO DISMISS, PURSUANT TO FED. R. CIV. P. 12 ( B ) ( 6 ) ( PORTION OF DOC. # 9 ), IS SUSTAINED ; PLAINTIFF IS GRANTED LEAVE TO FILE, WITHIN TWENTY ( 20 ) DAYS FROM DATE, AN AMENDED COMPLAINT, CONSISTENT WITH THIS DECISION AND SUBJECT TO THE STRICTURES OF FED. R. CIV. P. 11 ; SHOULD PLAINTIFF ELECT NOT TO FILE AN AMENDED COMPLAINT WITHIN SAID TIME PERIOD, THE CAPTIONED CAUSE WILL BE DISMISSED WITH PREJUDICE RICE, Chief Judge.
11/04/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MI
  • 484XX
Web
Discover Financial Services Credit card # : XXXX ( or the case # is XXXX ) Late night on XX/XX/XXXX XX/XX/XXXX my Discover credit card presented fraudulent transactions from XXXX XXXX and XXXX ( XXXX XXXX XXXX ) in XXXX XXXX, NV. There were 3 separate transactions. One for {$2800.00}, {$5300.00} and {$3700.00}. Recently Discover Card Services held me accountable for these transactions totaling over {$11000.00}. I have been with Discover since XXXX and I decided to close my account. The Story : On the night of XX/XX/XXXX XX/XX/XXXX my Discover Card, XXXX XXXX and XXXX XXXX XXXX were fraudulently used by XXXX XXXX and XXXX ( XXXX XXXX XXXX ) in XXXX XXXX, NV. I arrived with 2 friends and after the 1st drink, I dont remember anything until my friend finally found me in this establishment 4-5 hours later passed out with my money clip contents ( credit cards ) and cash spread on a table. Also, about {$300.00} was missing as well. The next day I was violently sick even though I barely had any alcohol that evening ( I have XXXX and alcohol can make me sick because of those XXXX. So, I don't drink much ). My wife and I work in the XXXX XXXX and we didnt realize it at the time. But, my drink was obviously XXXX and I was XXXX. In what we thought I had a viral bug, we easily figured out what happened after the transactions on my 3 credit cards presented with thousands of dollars. Therefore, for a significant period of time on that night my money clip was not in my possession. My friend attempted twice to find me in the establishment. Only for the bouncers to lie to him that I was not there. Finally, after many attempts. The bouncers told my friend I was in a dark back room passed out. My friend woke me up and he had to carry me out of the establishment because in his words he said I was " XXXX. '' He also saw my money clip contents ( Cash and credit cards ) spread out on a table in which he recovered for me. Again, When my friend was looking for me that evening, multiple times the bouncers stated I was not there even though I was. So, they were lying about my existence at the club. So, I dont know the exact amount of time my card/money clip was not in possession. But, these transactions took place while my money clip WAS NOT in my possession and I would surely NOT authorize such ridiculous amounts on 3 credit cards almost totaling $ XXXX! They were stolen and used for a period of time by the staff after they XXXX me. Moreover, my 2 other credit cards were charged fraudulently as well without my knowledge, further supporting criminal activity. If you look at my spending patterns since XXXX with Discover Card and other credit cards, it proves my spending patterns would back up this claim that these charges were fraudulent. I have to get a stem cell procedure next year for a medical condition that my insurance won't cover. I would NEVER compromise this procedure by spending thousands in 4-5 hours at one establishment. Ridiculous. Also, I wish I took a blood test when I got home for possible XXXX of the alcohol. Again, My wife and I are in the XXXX XXXX and we figured out very quickly after seeing the fraudulent transactions on 3 of my credit cards on XX/XX/XXXX when we got home. Providing evidence that possibly some type of extra-curricular substance was utilized to put me in that state. This is why they stated I was not there. They were blatantly robbing me! Per my research, this has happened hundreds of times ( maybe thousands ) by this establishment and at other places in XXXX XXXX. I recently heard from acquaintances and friends they were also victims of these types of events at this SAME location and others. I believe this situation is very obvious that I was a victim of a form of identity theft and maybe more. I would never authorize these transactions totaling in the thousands! I filed a police report and sent it to Discover and to my other 2 credit card companies with fraudulent transactions. The officer was WELL AWARE of these criminal activities when I filed the report. She and other officers have received many criminal claims from that establishment for the exact same thing. That is why she put stolen or lost on the incident report because this has happened before. Furthermore, the XXXX XXXX PD stated I needed to file a courtesy report regarding being drugged by the alcohol. I contacted 3 local police departments in my area and none of them would file the report because they have never heard of a courtesy report. I called Discover Consumer protection weekly to update them on the situation. I was completely transparent. I had my attorney was involved. However, just recently I was found accountable. The reason I was found accountable because the establishment sent my fingerprints, initials and a picture of myself making a transaction. Is this even legal? I don't remember any of it. Discover card stated that " I looked XXXX. '' This is utterly foolish. How can you tell by a picture and I don't even remember even being moved around. They could of easily did these things while I was XXXX. EASILY! I dont understand how Discover Card can side with a criminal organization over its customers while my XXXX XXXX and XXXX XXXX deleted those fraudulent transactions immediately after I filed an incident report. They knew I was a victim. To put this situation in perspective, Discover Card is stating I am an XXXX XXXX. Discover is saying I actually went into that club and knowingly spent almost {$30000.00} on 3 credit cards in 4-5 hours!!!!!!! Also, about {$300.00} in cash that was stolen. Again, XXXX XXXX took those transactions off immediately after the 1st police/incident report. So did XXXX XXXX and I consider them the worst in the industry backing up their customers. I cant even fathom how Discover Card held me responsible for this event. Furthermore, I found out if I decide to press charges it is going to cost me a lot more than {$11000.00} being that I am in Michigan. I kindly ask that you help me please get these transactions off my closed Discover Card account. Also, to protect my stellar credit which has been this status for years. I was very happy with my Discover Card and I think it is one of the best travel cards on the market. Lastly, I feel I was a very good loyal customer of theirs. Thank you for very much for your time.
07/21/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • XXXXX
Web Servicemember
XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX XXXX, XXXX, XXXX XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. THE FOLLOWING SHOULD BE REMOVED FROM MY CREDIT REPORT SINCE FINANCIAL ACCOUNTABILITY WAS TRANSFERRED TO THE CONSERVATOR APPOINTED BY THE COURT. XXXX {$4800.00} Account Details Payment History Last Reported Creditor Name Account Type Account Status Opened Date Closed Date Limit {$6600.00} XX/XX/XXXX XXXX Credit Card Closed - Derogatory XX/XX/XXXX XX/XX/XXXX Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. Credit Utilization* 73.33 % Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX Term Monthly Payment Responsibility Balance Highest Balance Payment Status Worst Payment Status Date of Last Payment Amount Past Due Times 30/60/90 Days Late Remarks -- {$0.00} Individual {$4800.00} {$4800.00} Collection/Charge- Off Unknown XX/XX/XXXX {$4800.00} XXXX Charged off as bad debt Account closed by consumer XXXX {$2400.00} Account Details Payment History Last Reported Creditor Name Account Type Account Status Opened Date Closed Date Limit Term Monthly Payment Responsibility Balance Highest Balance Payment Status Worst Payment Status Date of Last Payment Amount Past Due Times 30/60/90 Days Late Remarks XX/XX/XXXX XXXX Credit Card Closed - Derogatory XX/XX/XXXX XX/XX/XXXX -- -- {$0.00} Individual {$2400.00} {$5700.00} Collection/Charge- Off Unknown -- {$2100.00} XXXX Charged off as bad debt Account information disputed by consumer, meets FCRA requirements XXXX {$28000.00} Account Details Payment History Last Reported Creditor Name Account Type Account Status Opened Date Closed Date Limit Term Monthly Payment Responsibility Balance Highest Balance Payment Status Worst Payment Status Date of Last Payment Amount Past Due Times 30/60/90 Days Late Remarks XX/XX/XXXX XXXX Credit Card Closed - Derogatory XX/XX/XXXX XX/XX/XXXX -- -- {$0.00} Individual {$28000.00} {$28000.00} Collection/Charge- Off Unknown -- {$16000.00} XXXX Charged off as bad debt Account information disputed by consumer, meets FCRA requirements XXXX XXXX {$0.00} Account Details Payment History Last Reported Creditor Name Account Type XX/XX/XXXX XXXX XXXX Flexible Spending Credit Card Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. Credit Utilization* 0.00 % Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX Account Status Opened Date Closed Date Limit {$20000.00} Closed - Derogatory XX/XX/XXXX XX/XX/XXXX Term Monthly Payment Responsibility Balance Highest Balance Payment Status Worst Payment Status Date of Last Payment Amount Past Due Times 30/60/90 Days Late Remarks -- {$0.00} Individual {$0.00} {$13000.00} Collection/Charge- Off Unknown XX/XX/XXXX {$0.00} XXXX Charged off as bad debt Account closed by consumer XXXX {$780.00} Account Details Payment History Last Reported Creditor Name Account Type Account Status Opened Date Closed Date Limit Term Monthly Payment Responsibility Balance Highest Balance Payment Status Worst Payment Status Date of Last Payment Amount Past Due Times 30/60/90 Days Late Remarks XX/XX/XXXX XXXX Credit Card Closed - Derogatory XX/XX/XXXX XX/XX/XXXX -- -- {$0.00} Individual {$780.00} {$4400.00} Collection/Charge- Off Unknown -- {$780.00} XXXX Charged off as bad debt Account information disputed by consumer, meets FCRA requirements XXXX {$340.00} Account Details Payment History Last Reported Creditor Name Account Type Account Status Opened Date Closed Date Limit Term Monthly Payment Responsibility Balance Highest Balance Payment Status Worst Payment Status Date of Last Payment Amount Past Due Times 30/60/90 Days Late Remarks XX/XX/XXXX XXXX Credit Card Closed - Derogatory XX/XX/XXXX XX/XX/XXXX -- -- {$0.00} Individual {$340.00} {$970.00} Collection/Charge- Off Unknown -- {$340.00} XXXX Charged off as bad debt Account information disputed by consumer, meets FCRA requirements XXXX {$5100.00} Account Details Payment History Last Reported Creditor Name Account Type Account Status Opened Date Closed Date Limit Term Monthly Payment Responsibility Balance Highest Balance Payment Status Worst Payment Status Date of Last Payment Amount Past Due Times 30/60/90 Days Late Remarks XX/XX/XXXX XXXX Credit Card Closed - Derogatory XX/XX/XXXX XX/XX/XXXX -- -- {$0.00} Individual {$5100.00} {$12000.00} Collection/Charge- Off Unknown -- {$5100.00} XXXX Charged off as bad debt Account information disputed by consumer, meets FCRA requirements XXXX {$0.00} Account Details Payment History Last Reported Creditor Name Account Type Account Status Opened Date Closed Date Limit Term Monthly Payment Responsibility Balance Highest Balance Payment Status Worst Payment Status Date of Last Payment Amount Past Due Times 30/60/90 Days Late Remarks XX/XX/XXXX XXXX Flexible Spending Credit Card Closed XX/XX/XXXX XX/XX/XXXX {$5000.00} -- {$0.00} Individual {$0.00} {$430.00} Current 120-149 Days Late -- {$0.00} XXXX Canceled by credit grantor
03/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NE
  • 681XX
Web
Here is a quick summary followed be specific details and dates below. I was charged {$1900.00} on XX/XX/XXXX by XXXX XXXX XXXX ( " XXXX '' ). I disputed the charge because XXXX did not provide the services. I paid for three consecutive bed bug treatments which included vacuuming, heat, and chemicals and a warranty to start after the treatments were to be completed. My credit card company, Discover, denied my dispute even though I have video evidence that XXXX did not perform the services and I have tried to resolve the Dispute with XXXX to no avail. We have asked XXXX several times to perform the treatment we paid for and they refuse. Further, Discover never asked me for my documentation or more information. I have attached relevant documentation, including screenshots showing videos were recorded. However, since there are probably hundreds of videos since they are recorded in 30-second increments, I have not uploaded all of them, but am happy to do so upon request. Here are the additional details regarding my dispute. XX/XX/XXXX : I hired XXXX for bed bug removal from my home. Before we agreed to hire XXXX, we ensured that the treatment included vacuuming, spraying and heat treatment. We did our research and would not have hired any company that would not do all three because the vacuuming and heat is essential to kill the eggs of the bed bugs. Chemicals will not kill the eggs and then they will hatch and lay more eggs. Treatment with chemicals alone is not sufficient to get rid of bed bugs. Further, we can order chemicals online for less than {$100.00} and spray ourselves so there is no point in hiring a company if they will not provide all three forms of treatment. XXXX 's employee assured us that all three forms of treatment were included. We agreed to their service and I used my Discover card to pay. The employee told me that I needed to sign for credit card authorization and I signed using his electronic device which only showed a signature screen. At no time did he tell me that there was a written agreement to sign or allowed me to review a written agreement. XXXX now says that the signature I provided to authorize the credit card charge was a signature on their written contract, which again, I was never informed of or offered to review. I have an audio recording ( attached ) of their employee admitting that he did not tell me I had allegedly signed their contract ( recorded XX/XX/XXXX ). XX/XX/XXXX : XXXX put encasements on three beds. They claim to have vacuumed and sprayed the couches. They admitted that they did not heat treat any of the furniture. After treatment, XXXX is supposed to put all blankets, clothing, etc. that is on the furniture in plastic bags to be put in the dryer to kill any bugs or eggs which may be on the items. XXXX put pillows and clothing which was on a couch on the floor next to the plastic bags instead of in them and left with a broken bed encasement open ( which was clearly visible immediately upon entry into the room ). XX/XX/XXXX : I called Discover to ask whether I should dispute the charge now or continue to let XXXX provide service giving that their employee had fraudulently obtained my signature on their agreement, they did not provide the vacuuming and heat treatment, and they placed items which may have bed bugs on them on the ground after treatment ( potentially spreading bugs to additional areas ). Discover told me that I should continue to allow them to perform services and try to work with them, and that I could dispute at a later date if XXXX continued to fail to provide services. XX/XX/XXXX : XXXX returned on this date and replaced the broken encasement, and claims to have done heat treatment. XX/XX/XXXX : Began recording XXXX 's visits using a pet camera. The camera shows that they were there from XXXX to treat 3 bedrooms and the living room, which contains two sofas and a love seat, with vacuuming, heat ( a handheld steamer ), and chemicals. XXXX sprayed but did not vacuum or do heat treatment. XX/XX/XXXX : Recorded on pet camera. XXXX was there from XXXX. XXXX looked at the couches and sprayed them. XX/XX/XXXX : Partially recorded ( someone stopped in my office unexpectedly so I could not arm the camera in the beginning ). Prior to this visit, we let XXXX know that there were still bed bugs since we had found more live ones. We told XXXX ( again ) that we know they aren't performing heat and vacuuming because they aren't there long enough to do so and followed up with a text about using vacuuming and heat. This time they sent out two technicians ( previously it had only been one ) and sprayed and used heat. They were there from XXXX. XX/XX/XXXX : Prior to this visit, we let XXXX know that we were still being bitten but have not seen live bugs. XXXX gave pushback and wanted to come out only to look to see if they could find bugs. We had to continually push them to actually do treatment since they had never seen live bugs the entire time they had been doing treatment. They finally agreed to do some level of treatment, but would only do certain treatments if they could see live bugs ( I have only seen them a handful of times and I have been living with them for months ; bed bugs are notoriously difficult to find and bites are often the sign that they are there ). This time XXXX sprayed the two couches ( they forgot, or just did not do, the love seat ). The camera does not show them going into the bedrooms to treat. They did not use heat or vacuuming in the living room, even though we told them again prior to treatment that the service includes this. They were there from XXXX. XX/XX/XXXX : I found two extremely young ( showing that eggs had recently hatched ) bed bugs on my blanket. I kept these bugs in a contained as evidence that they are still here ; I also attempted to take photos, but the bugs are so small that it is difficult to tell what they are. XX/XX/XXXX : I filed the dispute with Discover since XXXX has been unwilling to provide service despite giving them several opportunities. After speaking with Discover I called XXXX and asked to speak with owner ( per Discover 's advice ). I advised again that heat and vacuuming had not been used ; I never received a return call from the owner.
06/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NM
  • 880XX
Web
The following is a letter written to my credit card company Discover Card documenting everything that happened in my dispute case. To Whom It May Concern : I am writing to resolve an issue that has been going on for over a year. Attached you will find all my documentation that I have submitted over the year to justify my claim for a refund. I will explain, herein, with details that will correspond with the paperwork included. I ordered an oil machine on XX/XX/XXXX from XXXX. The order number was XXXX. It was shipped on XX/XX/XXXX. ( Site reference # 1 ) On XX/XX/XXXX another machine was mistakenly shipped on order number XXXX ( Site reference # 2 ). After I received the second machine, I talked with XXXX and they had got an okay from the seller that I could return it for a refund. XXXX issued an XXXX Return ID : XXXX for order number XXXX on XX/XX/XXXX. ( Site reference # 3 ) I dropped off the machine at the UPS store on XXXX XXXX in XXXX XXXX on XX/XX/XXXX at XXXX with a XXXX TRACKING NUMBER XXXX. ( Site reference # 4 ) On XX/XX/XXXX I got a Proof of Delivery from XXXX on Tracking Number XXXX that it was delivered on XX/XX/XXXX at XXXX. ( site reference # 5 ) I never got a refund. After working with the XXXX A to Z for over a month to get my refund and getting no results, I opened a Claim Dispute with Discover for my card ending in XXXX. Soon after I placed the dispute, I lost my card and got my replacement with the number ending in XXXX. I uploaded all my documents to the Discover website and thought that everything was fine until XX/XX/XXXX when two charges for the amount of {$2800.00} were put on my card ending in XXXX. I have been working with Discover ever since to get the rest of the documentation to prove that I have a refund coming for the returned oil machine. I have collected additional data since then to prove that XXXX owes me the refund. ( Site reference # 6 ) is a screen shot of order # XXXX with the payment method picturing a Discover Card with XXXX, and Grand Total : {$2800.00}. When you click on the View return/refund status on this page it takes you to ( site reference # 7 ). This page shows the Refund issued of {$2800.00} on XX/XX/XXXX. Clicking on the details highlighted on this page will take you to the screen shot of ( site reference # 8 ) which gives the order # XXXX. After submitting all these documents, Discover asked me to provide something in writing from XXXX stating that they refunded the {$2800.00} to the Discover Card. I talked to XXXX and they provided ( site reference # 9 ) an email stating that they Refunded the original payment method-discover card {$2800.00} and was Completed XX/XX/XXXX at XXXX and then referenced the Oil Machine details. I still haven't received a refund and just got this notice from Discover To Whom It May Concern : I am writing to resolve an issue that has been going on for over a year. Attached you will find all my documentation that I have submitted over the year to justify my claim for a refund. I will explain, herein, with details that will correspond with the paperwork included. I ordered an oil machine on XX/XX/XXXX from XXXX. The order number was XXXX. It was shipped on XX/XX/XXXX. ( Site reference # 1 ) On XX/XX/XXXX another machine was mistakenly shipped on order number XXXX ( Site reference # 2 ). After I received the second machine, I talked with XXXX and they had got an okay from the seller that I could return it for a refund. XXXX issued an XXXX Return ID : XXXX for order number XXXX on XX/XX/XXXX. ( Site reference # 3 ) I dropped off the machine at the XXXX store on XXXX XXXX in XXXX XXXX on XX/XX/XXXX at XXXX with a XXXX TRACKING NUMBER XXXX. ( Site reference # 4 ) On XX/XX/XXXX I got a Proof of Delivery from XXXX on Tracking Number XXXX that it was delivered on XX/XX/XXXX at XXXX. ( site reference # 5 ) I never got a refund. After working with the XXXX A to Z for over a month to get my refund and getting no results, I opened a Claim Dispute with Discover for my card ending in XXXX. Soon after I placed the dispute, I lost my card and got my replacement with the number ending in XXXX. I uploaded all my documents to the Discover website and thought that everything was fine until XX/XX/XXXX when two charges for the amount of {$2800.00} were put on my card ending in XXXX. I have been working with Discover ever since to get the rest of the documentation to prove that I have a refund coming for the returned oil machine. I have collected additional data since then to prove that XXXX owes me the refund. ( Site reference # 6 ) is a screen shot of order # XXXX with the payment method picturing a Discover Card with XXXX, and Grand Total : {$2800.00}. When you click on the View return/refund status on this page it takes you to ( site reference # 7 ). This page shows the Refund issued of {$2800.00} on XX/XX/XXXX. Clicking on the details highlighted on this page will take you to the screen shot of ( site reference # 8 ) which gives the order # XXXX. After submitting all these documents, Discover asked me to provide something in writing from XXXX stating that they refunded the {$2800.00} to the Discover Card. I talked to XXXX and they provided ( site reference # 9 ) an email stating that they Refunded the original payment method-discover card {$2800.00} and was Completed XX/XX/XXXX at XXXX and then referenced the Oil Machine details. Still no refund and I received a response to my claim dispute with Discover. It is as follows : XX/XX/XXXX Transaction has been found to be valid. We've completed our investigation of this transaction. During our review, we considered all information and documentation we received from you and we attempted to obtain transaction records from the merchant. We regret that we are unable to validate the details of your claim. Accordingly, we consider the charge to be valid. The charge will remain on your account and the temporary credit we previously applied to your account will be reversed. I have tried to work with XXXX but nothing ever gets done. I am not sure how much more I have to do to prove that I sent the machine back and that XXXX has stated in several documents that I am due a refund for {$2800.00}. Thank you
05/26/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 306XX
Web
Hello, I have a lot of unauthorized charges. I've never been to Nevada. I didn't buy anything from these places, didn't receive anything, I don't know anyone who did or would. I've called the fraud dept. and they lie. I've filled disputes and nothing happens. These are the last disputes I'm having trouble with: Trans. Date Description Category Amount View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX GasolineXXXX View DetailsXX/XX/XXXX XXXX #XXXX XXXX NV Gasoline XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV RestaurantsXXXX View DetailsXXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX MerchandiseXXXX View DetailsXX/XX/XXXX XXXX #XXXX XXXX NV GasolineXXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXXXXXX XXXX #XXXX XXXX NV Supermarkets XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXXXXXX XXXX #XXXX XXXX NV Supermarkets XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX GasolineXXXX View DetailsXXXX XXXX XXXX XXXX NV Restaurants XXXXView DetailsXX/XX/XXXXXXXX XXXX #XXXX XXXX NV Supermarkets XXXX View DetailXX/XX/XXXX XXXX XXXX XXXX NV RestaurantsXXXX View DetailsXXXX XXXX XXXX XXXX NV RestaurantsXXXX View DetailsXX/XX/XXXXXXXX XXXX #XXXX XXXX NV Supermarkets XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV RestaurantsXXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXXXXXX XXXX #XXXX XXXX NV Supermarkets XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXX XXXX XXXX #XXXX XXXX NV Supermarkets XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV RestaurantsXXXX View DetailsXX/XX/XXXXXXXX XXXX #XXXX XXXX NV Supermarkets XXXX View DetailsXX/XX/XXXX XXXX XXXX #XXXX XXXX NV SupermarketsXXXX View DetailsXX/XX/XXXX XXXX XXXX #XXXX XXXX NV Supermarkets XXXX View DetailsXXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX GasolineXXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV RestaurantsXXXX View DetailsXXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXXXXXX XXXX #XXXX XXXX NV SupermarketsXXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXXXXXX XXXX OF NV XXXX XXXX NV Restaurants XXXX View DetailsXXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV RestaurantsXXXX View DetailsXX/XX/XXXXXXXX XXXX #XXXX XXXX NV Supermarkets XXXX View DetailsXXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline XXXX View DetailsXX/XX/XXXXXXXX XXXX #XXXX XXXX NV SupermarketsXXXX View DetailsXX/XX/XXXX XXXX XXXX #XXXX XXXX NV Supermarkets XXXX View DetailsXXXX XXXX XXXX XXXX NV RestaurantsXXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXX XXXX XXXX #XXXX XXXX NV SupermarketsXXXX View DetailsXX/XX/XXXXXXXX XXXX #XXXX XXXX NV SupermarketsXXXX View DetailsXXXX XXXX XXXX XXXX NV RestaurantsXXXX View DetailsXX/XX/XXXXXXXX XXXX #XXXX XXXX NV SupermarketsXXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX NV XXXX XXXX GasolineXXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX NV XXXX XXXX Gasoline XXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX NV XXXX XXXX GasolineXXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX GasolineXXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX GasolineXXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX #XXXX XXXX NV RestaurantsXXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX NV RestaurantsXXXX View DetailsXX/XX/XXXXXXXX XXXX #XXXX XXXX NV Supermarkets XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Gasoline XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline XXXX View DetailsXX/XX/XXXX XXXX #XXXX XXXX NV Gasoline XXXXView Details0XX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX GasolineXXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX #XXXX XXXX NV RestaurantsXXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX NV Restaurants XXXX View DetailsXXXX XXXX XXXX XXXX NV RestaurantsXXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX XXXX NV Gasoline XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Gasoline XXXX View DetailXX/XX/XXXXXXXX XXXX XXXX XXXX NV Gasoline XXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX XXXX NV GasolineXXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX XXXX NV Gasoline XXXX View DetailsXX/XX/XXXX XXXX #XXXX XXXX NV Gasoline XXXX View DetailsXX/XX/XXXXXXXX #XXXX XXXX NV Gasoline XXXX View DetailsXXXX XXXX XXXX # XXXX XXXX XXXX NV RestaurantsXXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX NV XXXX XXXX GasolineXXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX NV AutomotiveXXXX View DetailsXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV Merchandise XXXXView DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX GasolineXXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX #XXXX XXXX XXXX NV Merchandise XXXX View DetailsXX/XX/XXXXXXXX XXXX - #XXXX XXXX XXXX NV MerchandiseXXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Gasoline XXXX View DetailsXX/XX/XXXXXXXX XXXX - #XXXX XXXX NV MerchandiseXXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX # XXXX NV Gasoline XXXX View DetailXX/XX/XXXXXXXX XXXX NV Gasoline XXXX View DetailsXX/XX/XXXX XXXX XXXX NV Gasoline XXXX View DetailsXX/XX/XXXXXXXX XXXX NV GasolineXXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX NV Gasoline XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV Gasoline XXXX Thank you.
08/05/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • IL
  • 601XX
Web
I am having a problem with my credit card account with XXXX XXXX XXXX. I have a consumer credit card account with them and on XXXX XXXX of 2017 I transferred {$1200.00} of my balance on that account to my XXXX XXXX credit card account at 0 % interest for one year on the balance transfer. On XXXX XXXX the transaction cleared on XXXX XXXX 's books and showed as a {$1200.00} debit on my account from XXXX XXXX XXXX. However, as of X/X/2017 at XXXX eastern time on my Discover account summary there was no entry for a credit of {$1200.00}. The {$1200.00} is still on XXXX XXXX 's books at the SAME time it is on XXXX XXXX 's books. It 's been on Discover 's books for ONE WEEK. XXXX transfers take about 1 to 2 days so how can Discover account for it still being on their books billed to my account? I called Discover and asked this question. I spoke to a XXXX " XXXX '' and she said that they do not see any transaction entered by XXXX XXXX for this transfer. I asked if she could put that in writing and send it to me. She said she could not. I then asked if she could escalate this to her supervisor. She did. I asked her supervisor, XXXX " XXXX '' and she said they do not have a process for this. I was very animated at this point as this is completely improper. I explained to XXXX XXXX that I did a similar transaction with XXXX XXXX and that showed up properly on the books of both XXXX and XXXX XXXX with the transaction clearing at XXXX XXXX on the XXXX and at XXXX on XXXX XXXX ; which is a typical XXXX transfer. I then said basically ( I am paraphrasing here ) " one week plus to clear a swift transfer? This is XXXX! I suddenly owe with interest {$1200.00} to Discover out of thin air??? '' Either XXXX XXXX is lying and entering a balance onto their books they never received or Discover is lying and are not showing the balance transfer on their books. Folks, I suspect someone is padding their balance sheet here. And I can imagine why. I have been inundated with 0 % balance transfer offers. And to me this is a financial instrument I want to use to pay off existing balances with a lot more ease. They make money off the fees. They take the risk. Why not? Why should XXXX XXXX and XXXX XXXX over at the XXXX and their bankster pals get ZIRP and shmucks like us get 14 % amd 26 %. So as a responsible consumer I took advantage of this offer to manage my debt by spreading out the payments at 0 % and using my earnings productively during that time period to invest in hard assets or just save it as a cash reserve. And these XXXX at Discover do n't put the transfer and leave it on their balance sheet for a week? XXXX did so why did n't they? And then I ask myself : how many other poor shmucks are they doing this to and how much does that add up to as an inflated valuation on their balance sheet? Is it a one time thing just on my account or are these clowns doing this over a whole bunch of balance transfers? You guys can look into that part if you want, because if you ask me, I smell a rat. But what I really want you to help me with is this {$1200.00} Discover is trying to XXXX me on. They basically said in a more polite way " XXXX you, talk to XXXX XXXX ''. Needless to say that sent me to the moon, but there is not much some low level employee of Discover can do about it. And I am not some big shot with millions in an account at some investment bank. I was basically venting and spitting in the wind. I did get them to agree to escalate it to executive support regarding them putting it in writing that they never got the balance transfer request from XXXX XXXX. Basically they would put in writing that they think XXXX XXXX are deadbeats. Fat chance they 're going to do that. So finally I called XXXX XXXX but their Account Specialist desk was the only authority that could deal with the problem and they were closed for the evening. However, the rep I did speak to was very helpful and confirmed that the transfer from Discover was legit. It did clear and they got the money from Discover. They also said they would pursue an investigation if I called tomorrow. On the other hand that Discover was NOT helpful and told me to basically get lost says a lot about what 's going on here. Now I figured the only think I have left to turn to for help is your agency. Which is why I am filing this complaint with the CFPB since as feds with the authority to investigate shenanigans by the banks and other lending institutions, you 'd have some muscle and can lean on Discover a lot harder than XXXX XXXX can lean on them. At this point I am also about *this* close to calling my attorney as well and see what advice he has. The way I see it someone is either grossly negligent or committing a willful act of fraud on their books. Either way I am getting screwed here and I am mad as XXXX about it. Sincerely, XXXX XXXX XXXX ... a fed up consumer. Fed up with the banksters. And just plain fed up. PS : You know all this 0 % balance transfer madness by the banks is a canary in the coal mine and this is n't going to end well. They 're all doing it. Credit is squeezed. So they 're robbing XXXX so XXXX can shore up their balance sheets. And I am getting the sense that the lending institutions with weak balance sheets are in panic mode. Discover may be one of the weak antelopes in the herd when the bond vigilantes and short sellers come out of their graves like XXXX XXXX XXXX XXXX XXXX. It 's one big fat mother of all bubbles, the systemic risk is higher, the connections exponentially more complex, and the impact far greater. It 's going to be the XXXX crisis and credit freeze on steroids, except this time the nit wits in the XXXX, XXXX and XXXX that made the problem worse are out of ammo. Everything they know is wrong. And so are their models and their policies. And just look at all the stinky piles of XXXX on the Fed 's books from the money printing and spending spree on garbage securities of the past 9 years. With all that they wo n't be able do a thing to keep the whole Ponzi scheme from unraveling. Pay off whatever debt you can as fast as you can folks. That 's what I am doing. Or at least am trying to do if Discover would just honor my transaction!
12/16/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75241
Web
Dear Sir or Madam, 1. DISCOVERBANK Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with DISCOVERBANK and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
02/06/2019 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • OH
  • 43202
Web
I am writing to ask your help with my student loan lender, Discover. Discover is asking me to pay them {$1200.00} a month to repay my loans, when I make {$1600.00} a month. According to the FAFSA, our family made just enough to not really need assistance, but not nearly enough to actually pay for it. My mom was a single parent with XXXX kids, XXXX of which had already begun college, which she co-signed for and supported them throughout. By the time it was my turn, she was almost maxed out of being able to co-sign, and making {$70000.00} a year does not pay for XXXX college tuitions and a mortgage. I took out private loans through Discover since FAFSA did not cover much of my tuition, but halfway through school my mom could no longer co-sign. She is the sole caretaker and always had been, so I had no one else to turn to for help. I had to take a semester off since I couldnt afford it. Eventually I had no choice but to ask my grandparents, who live in rural southeastern Ohio and still live in the house they build themselves XXXX years ago and who also dont have the means to support a financial burden like this. They agreed to co-sign on the loan and it went through, but now I had yet another stressor. Not only did I have to make sure I paid all my loans back on time after school, but now my grandparents were involved and worried about it all. Fast forward to XX/XX/XXXX. I had one class to go before graduating. Since it was only one class, I decided to take it online and move to Delaware to work for XXXX XXXX XXXX and live with my dad, who is divorced from my mom. While there, I was hit head-on by a drunk driver and sustained multiple injuries, including a XXXX XXXX, torn XXXX XXXX, and a XXXX XXXX XXXX. Both the XXXX XXXX and XXXX required XXXX and months of XXXX XXXX on top of the physical pain and emotional trauma I felt afterwards. I had nightmares about the accident and still get extreme anxiety in a car. Due to the accident, I spent XX/XX/XXXXrecovering from my injuries and worked part-time. This is the year when the trouble with my loans began. Out-of-state tuition at XXXX, plus living stipend and other expenses, totaled roughly {$36000.00} per year. The monthly payments Discover demanded of me were between XXXX XXXX-XXXX. Typically, after graduation, a borrower is given a six-month grace period until they need to start paying on the loans. Since I had taken time off after graduating due to my severe injuries from the drunk driver, I couldnt afford to repay my loan since I was unable to work full-time. I was forced to use my grace period during the months I was recovering from injuries. When that was up, I was able to apply for repayment options. Due to my injuries and low income, I qualified for hardship assistance and that gave me another six months of no payments. In XX/XX/XXXX I began the last class I needed to graduate, along with a few graduate level classes and a job working with my professor. Being in school, I was able to freeze my payments as well which helped for those four months. Shortly after graduating, I found a job in XXXX and moved back from South Carolina. I now work for XXXX XXXX XXXX doing environmental monitoring for quality control. When I alerted Discover that I had a job, they set my monthly payments again between XXXX XXXX-XXXX. My annual salary upon starting in XX/XX/XXXX was XX/XX/XXXX-XX/XX/XXXX after taxes, equaling roughly {$1600.00} per month. I sent in pay stubs to Discover to show my income and prove that I couldnt pay the monthly amount, and they lowered it based off my income. I had no delinquent payments, and my income has not changed, yet in XX/XX/XXXX they changed my monthly payment back up to XXXX XXXX-XXXX. Upon seeing this, I called Discover, told them my situation had not changed and that I am still making the same amount of money, and they told me there was no other option. They told me the only way I could qualify for another 6-12 months of lowered payments is if I pay the full amount requested, on time, each month, for at least 6 months -- an impossible request. Even if I were somehow to miraculously give them my entire monthly pay, not needing to pay rent and other bills, I still wouldnt be able to pay on time because my paycheck is broken up into two paychecks. Therefore, forgetting my other bills such as rent, utilities and a car to get to work, and putting all the money I make into my loans, I still would never qualify for lowered payments because I wouldnt be able to make the full amount payment on time for six months. It's like a vicious trap you cant get out of. I cant pay the full amount because I dont make nearly enough money, yet the only way to get a lowered payment is by paying the full amount. That doesnt make any sense. My only option was to pay what I could on the loans every payday, and hope my credit didnt plummet from the lack of complete payments and not being on time. Since this started, Discover has been harassing my grandparents trying to get them to make my payments. My grandparents were afraid and didnt know what to do, so they pulled money from their Social Security and paid a loan they co-signed for me. With interest, the original {$15000.00} loan, cost them {$30000.00}. Since paying off the loan they co-signed for, Discover still continues to contact them and harass them about making payments. When confronted about it, Discover said they had NO RECORD of them paying the loan! My grandparents have the bill and proof of payment, and it still wont stop. Not only are they harassing me with phone calls daily, when Ive repeatedly proved my income and am making what payments I can, but they have somehow lost the record of my grandparents payment and wont leave them alone either. Is there any way you can intervene on my behalf with Discover to see if they can be flexible and give me a more reasonable payment schedule that doesnt bankrupt me? I would be so appreciative for any assistance and am writing because I dont know how to get Discover to have some understanding of what my life situation is like.
01/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 92614
Web
On XX/XX/XXXX I purchased a XXXX XXXX in the amount of {$3100.00} through XXXX with my Discover card. I returned the lens on XX/XX/XXXX via XXXX return XXXX label within XXXX 30 day return policy. The lens was confirmed returned at XXXX XXXX XXXX XXXX warehouse on XX/XX/XXXX. When I didnt receive a refund on my Discover card, I called XXXX multiple times to request a refund. Every time I spoke with someone from XXXX they assured me they showed that the return was received and the refund would be processed. On XX/XX/XXXX XXXX sent me an email confirming the refund request. I still had not received the refund so I called XXXX again and they referred me to a specialist team. On XX/XX/XXXX XXXX emailed me requesting proof of the return. I replied with proof of delivery from XXXX. I did not get a response so I contacted XXXX again and they again referred me to a specialist team. On XX/XX/XXXX XXXX emailed me requesting proof of the return again. I replied with proof of delivery from XXXX again. I did not get a response so I contacted XXXX a XXXX time and they again referred me to a specialist team. On XX/XX/XXXX XXXX emailed me requesting proof of the return again. I replied with proof of delivery from XXXX again for a XXXX time with no response. On XX/XX/XXXX I disputed the charge through my Discover card because of XXXX failure to issue a refund after receiving the returned lens. On XX/XX/XXXX I received an email from XXXX that a chargeback adjustment was made to my Discover card because of the dispute. On XX/XX/XXXX I received an email from Discover stating that they have NOT found in my favor, are reversing the temporary credit, and closing the investigation. Discover closed the case stating that XXXX provided documentation and they found no issues with the dispute. The documentation that XXXX provided was that they do not have to refund me because they never received the return but in the next line they also provided the same proof of return from XXXX that I have been providing as well. I called Discover again and asked them to explain to my why they sided with XXXX and a Discover supervisor told me that I needed to get written confirmation from XXXX that they will refund the charge specifically to my Discover card. I supplied Discover with their requested documents of an online support chat with XXXX and an email confirmation that they will refund my Discover card back. I have been going back and forth with both Discover and XXXX to no avail. XXXX is saying that the chargeback is a refund and Discover is stating that it is not a refund. Discover is still holding me liable for the charge even though I have proof that the lens has been returned. XXXX has provided them with the same proof of the return as well. I have talked to multiple Discover supervisors that tell me they are forwarding my case up the line but I still have no resolution. I have attached multiple supporting documents. I would greatly appreciate some help here. I feel like I am getting the run around by these guys. Thank you for everything you can offer to help. Timeline XX/XX/XXXX XXXX XXXX XXXX from XXXX with Discover card. XX/XX/XXXX Returned XXXX XXXX via XXXX with XXXX return label within 30 day return policy. XX/XX/XXXX Return was received at XXXX XXXX XXXX XXXX warehouse via XXXX. XX/XX/XXXX Received email from XXXX confirming the refund request. XX/XX/XXXX Received email from XXXX requesting proof of the return, I replied with the proof of return delivery via XXXX. I did not receive a response. XX/XX/XXXX Received a XXXX email from XXXX requesting proof of the return, I replied with the proof of return delivery via XXXX. I did not receive a response. XX/XX/XXXX I disputed the charge on my Discover card because of XXXX failure to issue a refund after receiving the return. XX/XX/XXXX - Received a XXXX email from XXXX requesting proof of the return, I replied with the proof of return delivery via XXXX. I did not receive a response. XX/XX/XXXX Received an email from XXXX stating that a chargeback refund was issued to my discover card. XX/XX/XXXX Received another email from XXXX stating that a chargeback refund was issued to my discover card. XX/XX/XXXX Received an email from Discover that they were still investigating the dispute. XX/XX/XXXX - Received another email from Discover that they were still investigating the dispute. XX/XX/XXXX Received a letter from Discover stating they sided with XXXX in the disputed transaction which included the documentation that XXXX provided to them. In the documentation XXXX stated that no credit is due because the merchandise has not been returned, then provided the return invoice that proved it was returned in the next line. XX/XX/XXXX I spoke with Discover and asked why they sided with XXXX when they clearly showed proof that they received the retuned item. They told me that they were forwarding the case to a supervisor. XX/XX/XXXX Received an email from XXXX stating that the dispute has been resolved between XXXX and my card issuer, therefore they would not be able to reimburse me. XX/XX/XXXX I spoke with a supervisor at Discover and they stated that they needed a letter from XXXX stating the refund was to be issued specifically to my Discover card. XX/XX/XXXX I started an online chat with XXXX requesting a proof of a refund to my Discover card. They stated they already refunded the charge back on XX/XX/XXXX. I told them that according to Discover the chargeback was not a refund and they needed a letter stating that a refund would be issued to my Discover card. XX/XX/XXXX Received an email from the XXXX rep I chatted with requesting a refund to my Discover card. XX/XX/XXXX Received an email from Discover that they could not continue the dispute. XX/XX/XXXX I spoke with a Discover supervisor and was promised that the dispute will be forwarded to a higher up supervisor for additional review because they state that Amazons chargeback on XX/XX/XXXX is not a refund and that XXXX still owes me a refund because they received the returned lens on XX/XX/XXXX.
10/16/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • PA
  • 19103
Web
On XX/XX/XXXX, I paid down my Discover balance by {$7000.00} ( from around {$11000.00} ). The balance had been current with no history of delinquency per my recent recollection. The limit on the card was about {$12000.00}, so my payment freed up utility on my card and should have improved my overall credit. I had made multiple payments toward several current balances with other issuers in order to improve my credit and free up utility in my credit lines. Around XXXX of XXXX, Discover notified me that they were lowering my credit limit down to right around the remaining balance on my card ( about {$4000.00} ). I don't recall ever receiving an adverse action letter specifying the reason for the line decrease, and as a customer who had just paid down a significant portion of my current balance, I was surprised at the action taken. In an effort to understand what was happening and why, I called Discover and had a phone conversation with someone from their portfolio customer service team. The specialist informed me that some negative information on my credit report was the reason for the line decrease. When I pressed for specifics, he noted a XXXX card with a delinquency, a XXXX XXXX checking account with a delinquency, a XXXX delinquency, and a XXXX XXXX delinquency. Much of what he said to me regarding my credit report and the reason for the line decrease came as a complete surprise to me. I was aware of a {$100.00} delinquent balance on a XXXX card that I no longer used. I had an annual autopayment for a subscription set up on the card, and because I no longer used the card I was unaware that I even carried a balance. That delinquent {$100.00} balance was resolved in the summer of XXXX immediately when I became aware. Aside from the XXXX card, I had no idea what he was referring to when he mentioned a XXXXXXXX XXXX account, a XXXX account, and a XXXX XXXX account. I was admittedly flustered by the information that the specialist provided since none of it made sense to me. My first thought was that I was being scammed by some type of fraudster, and since Discover 's action of an {$8000.00} line decrease seemed severe, I proceeded to close / freeze the Discover card in fear that I would incur any further damage from a potential fraudster by leaving the card open. I immediately called XXXX to discuss my account standing, and after speaking with them, I confirmed that I never had any delinquency with them - my account had always been in good standing. I then ordered a record of my credit report in order to understand the comments the Discover specialist made about the XXXXXXXX XXXX and XXXX delinquencies as I didn't recall having any relationship with either bank. Upon receiving my credit report within a week or so, I confirmed I have never had any relationship with XXXX. I also did see a brief delinquency on a XXXXXXXX XXXX checking account in XXXX while I was a student and mismanaged a checking account temporarily, however that information was not new to Discover since I became a Discover card customer well after XXXX. Therefore it seems to me that Discover took a negative action against me that negatively affected my credit by lowering my utility, even though I had just paid back a significant balance, and they poorly and inaccurately communicated the reason why. After discussing everything that had happened with my husband, I realized that it was not to my financial advantage to close the Discover card, as maintaining current accounts over time improves credit. I only took that action in fear that someone was committing fraud against me, since Discover noted so many delinquencies with so many financial institutions all at once. My credit was also negatively affected by a large decrease in my credit limit with Discover, since utility thresholds are a major contributor to credit score. As someone who maintained my Discover card in good standing and who had just paid down {$7000.00} of my balance, I was expecting to improve my credit and continue my positive relationship with Discover. Instead, a negative action was taken against me and the reasoning for the action was poorly and inaccurately communicated. After considering everything that had happened, ultimately I just wanted to keep my credit in good standing and maintain my credit history and utility that I had worked hard to build. My husband and I called back Discover to discuss reopening the card and adjusting the limit back to the norm. They tried to let us know that they can not reopen cards. However, I am aware that cards can be reopened. Upon questioning Discover, they admitted that cards can be reopened but only when the closure was an error on their part. My husband and I tried to reason with them that the account closure was in large part due to their error, because although I verbally authorized the closure, I was doing so in fearful reaction to the inaccurate information they communicated about my credit report and overall financial standing. Again, my fear was that I had been targeted by some type of fraud and that inaccurate or fraudulent charges were affecting my credit, and with that thought in mind my first reaction was to just shut down / freeze everything with Discover. Again, looking back I wish I had the calm of mind to think through how to proceed rationally, but the inaccurate information that Discover provided caused a panic that I was in financial distress due to some type of scam or fraudster. After one last call another time to Discover where my husband and I pleaded to reopen the card and reinstate the credit line, again their team insisted that they had done nothing wrong. At this point, I felt totally wronged by Discover. I made every effort to be a good customer. I upheld my end of the card agreement, and yet they chose to take negative actions against me in a way that does not seem right for consumer finance. If Discover took similar actions against other consumers, I'd think the CFPB would want to investigate what happened to ensure it does not happen again.
11/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MD
  • 20746
Web
XXXX. DISCOVER FIN SVCS LLC Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as well as 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and 90 days late in XX/XX/XXXX. I immediately disputed this information with DISCOVER FIN SVCS LLC and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( XXXX ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( XXXXCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • MD
  • 20746
Web
1.DISCOVER FIN SVCS LLC Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as well as XXXX days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as XXXX days late in XX/XX/XXXX. I immediately disputed this information with DISCOVER FIN SVCS LLC and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have XXXX days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
12/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • MD
  • 20746
Web
XXXX. DISCOVER FIN SVCS LLC Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as well as 60 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as well as 90 days late in XX/XX/XXXX. I immediately disputed this information with DISCOVER FIN SVCS LLC and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
03/01/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • NC
  • 27519
Web
So I opened a {$12000.00} revolving credit card account with Discover Financial about 2 years ago and Ive never had any payments fall beyond 30 days. Even amidst the unconventional and trying times related to COVID, I still continued to make almost all of my payments in a timely manner, and my payments tended to be for the entire balance owed, or at the very minimum, substantially more than the minimum payment due and on the date due or prior almost every month. All for which they rewarded me with a credit limit increase to {$13000.00} at their discretion ( during the height of the recent COVID pandemic ) without any request made on my part. Now coming into the end of fall and early winter months our season starts winding down and business slows a little so I was carrying a high balance for one month and actually due to some preauthorized charges and a late fee for exceeding my grace period my balance went above my limit by {$15.00} dollars. So I called into customer service and asked if they could give me a break as a courtesy ( as almost every creditor was already automatically offering due to the circumstances surrounding COVID-19 ) to which the Discover CSR simply said NO they couldnt and wouldnt reimburse me for the late fee. Now about a month or two later, which was just before XXXX XXXX they suspended my account due to what they stated online as unusual account activity. Mind you this notice and account action came shortly or maybe even right after I had made a payment in access of over XXXX dollars. So I finally had the time and called customer service and spoke to a CSR who told me that I would need to speak with someone in their fraud department. So I called back the next day and spoke to a fraud representative and asked him to explain what was going on, to which he replied with a bunch of double talk and after continuing to inquire with more and more frustration, he finally stated to me that there was actually no unusual activity, instead this was simply just a routine and general audit, and as he himself explained, something he had experienced through a similar situation with one of his creditors not that long before, which I felt and sensed was an attempted ploy in order to get me to comply, with what I came to find out as he finally explained what it was they were requesting, was not unusual activity, but rather an unusual request. What they were requesting he finally told me, only after dancing around the subject and beating around every bush possible, was to fill out a IRS form 4506-T in order to verify the income information I submitted almost 2 years prior when I initially applied for the card, because based on what he stated they had never verified this information and were just now getting around to it. Even though I had not only submitted the same information when applying, but also spoke to a CSR who verified my information while on the phone. I found this all extremely coincidental that is was being done during the height of the spending season and what was quickly becoming the new height of the pandemic, and also after I had just made a substantial payment making almost XXXX dollars in credit available to me. So I simply told them I didnt feel this was ethical and I also had never been subjected to this kind of treatment with any of the other creditors I had or have established accounts with or through, present or past, and I wasnt going to comply with what I felt was unethical and predatory treatment. Now throughout this entire period my account was inaccessible, to use either the card or even try to navigate through the app. However they did make me vividly aware that I could continue to make payments throughout this process, even though that itself was not an option through the Discover app. Then about 2 months later in late XXXX/early XX/XX/XXXX I logged onto my Discover app to check status, as they had given a deadline of sometime in early to mid XX/XX/XXXX to comply ( to which all along I stated I wouldnt comply ), and it now no longer listed unusual activity and once again reflected the regular account information such as balance, limit, transaction history and lastly also listed the available credit. So I thought okay they realized it was unethical and their failed attempt to abruptly close my account ( which I imagine was due to the increasingly risky circumstances and elevated cases surrounding COVID-19, which in turn were making it a highly volatile, unstable and uncertain time in the financial sector, and with tensions rising, recent and vivid recollections of the XXXX housing/financial crisis/downfall and subsequent economic depression dancing around in their heads, they were simply trying to get a head start on trimming the fat and recalling credit lines wherever they saw an opportunity ) was a lapse in judgment and they had simply corrected their mistake. So without using the card, and simply concerned with my credit appearance and score, as well as making sure my payment was ahead of the due date, I quickly went ahead and made another XXXX dollar payment and it promptly reflected the balance reduction, but now suddenly reflected {$0.00} available credit and I then subsequently received an email notice less than a week or so later stating they were closing my account. Unbelievable and completely unethical and I intend to take every available action, and utilize every available means of recourse at my disposal to right this wrong. Far to often and far too many consumers are preyed upon and victimized by these multimillion and/or multi XXXX dollar banks and/or financial institutions, with seemingly no means of retributive action or viable recourse, so their crimes against consumers go unmentioned and unnoticed, and they seem to feel they can operate with this mentality of being untouchable, but I will not allow this action to stand without speaking up, speaking out, or until I cant speak anymore until this wrong is made right!
12/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MD
  • 21244
Web
XXXX. DISCOVER FINANCIAL SERVICES Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, 60 days late on XX/XX/XXXX and 90 days late in XX/XX/XXXX. I immediately disputed this information with DISCOVER FINANCIAL SERVICES and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by the creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by the creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by the creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers, and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA, and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years ' worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements, or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I, therefore, demand these late payments are removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I, therefore, am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXX/XX/XXXX XXXX, Iowa XXXX
11/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • TX
  • 75241
Web
Dear Sir or Madam, 1. DISCOVERBANK Account Number:XXXX**** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with DISCOVERBANK and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/04/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • OH
  • 43229
Web
Dear Sir or Madam, 1. DISCOVERBANK Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as 60 days late in XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with DISCOVERBANK and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
06/26/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • WA
  • XXXXX
Web
I received a pre-approved credit card application for a Discover Bank Card in late XXXX. I was hesitant at first to apply, but I did and was approved for a card {$5500.00} limit. The card arrived and I held o opening the card for a short time cause I was going to be taking a trip to XXXX in early XXXX, and I could use it during my time away. As my trip was slowly approaching I decided to activate the card over the phone, then made various charges totaling {$160.00} in a less than a three week period. I wanted to show some usage on the card in case there was a problem before my trip. I decided to store the card in a dresser that had a small compartment in it. Starting in the middle of XX/XX/XXXX several serious events took place that caused me to cancel my trip. One was a return my family needed me to make back to XXXX NY to handle final estate proceeding for my Grandparents, and major XXXX my mother was going to be having in XX/XX/XXXX. An member of my extended family from XXXX, NY came to stay with us for a short time day after I left for XXXX. It was decided by my family that since my room was going to vacant for a time while traveling back and forth to XXXX that person could stay there. After each of my returns from XXXX I made sure the card was still in it's rightful place. Starting in XX/XX/XXXX I started receiving mail from Discover credit card. I figured it was a statement for the small amount charged to card and it was time to make a payment. I set it aside along with the rest of mail since my returns home were quick until my mother 's XXXX. The following month I received more mail from Discover credit card and I decided to open to view charges and the minimum due cause I was sure a payment was missed, and I got the shocker when there was more than {$3000.00} in charges. Immediately called Discover and made them aware of the unauthorized charges, and asked them to issue me a new card ASAP. Discover verified the charges that were mine and the rest were flagged, and within two days a new card arrived. I chose not to activate the card until the other charges has been removed. Discover issued a temporary credit and sent an aidavit of fraud a few weeks later that I needed to fill out and returned to the them unfortunately I was so bust taking care of my mother post XXXX that I was not taking calls or looking at mail. When I finally called back end of XXXX start of XX/XX/XXXX I talked to a representative in customer service and fraud that told me about the numerous calls and the affidavit sent out. I told them about my situation with my mom and I was look for that letter and get it back to them ASAP cause I wanted to make a payment due to email I was receiving about need to pay down. I filled out the forms, and faxed/postal mail them back. At first I did not want to disclose the name of the person, cause I did not want to cause more chaos in my extended family, which I explained in a letter I attached to the affidavit. Since I had not heard anything from Discover I called them end of XXXX and told them I was calling about the status of my fraud case cause I was starting to receive email that I needed to make a payment. I indicated concern about making a payment with a fraud case open, but having that new account open. They suggest I go ahead and make the payment and if the money was not needed then I would receive a credit of some kind. On or about XX/XX/XXXX I got a voicemail from a Fraud Specialist at Discover asking me to call back about my fraud case. I accidentally deleted the message and found the phone number online, and returned the call. On XX/XX/XXXX I spoke with a male rep told me that Discover had come to a decision to hold me responsible for all of the charges totaling {$3300.00}, and the reversal would appear in thirty day. I told the male rep I am not paying those fraud charges, but I will pay the {$160.00} that belong to me. I asked the male rep, if they had receiving my paperwork, and he told me they did, but there was still some missing information, and since I did not call back it resulted in holding me responsible. I told the male rep I am caring for my mom, so I return call when I get a free minutes, and I again said I will not pay those fraud charges, but I will pay the {$160.00} that belongs to me. The male rep stated sounds like you disagree with the decision, and I told him yes I do and I wanted to speak with some else now. Took him forever to transfer me, but I got a nice woman rep that listened to me, and told me she could ask for a 2nd dispute review as on the missing information that Discover did not currently have. I told her I wanted that, and that I would be in touch the next day to see if the 2nd review was underway. XX/XX/XXXX I called back Discover, and was cutoff four different time by four different reps. The last rep that I talked with told me some information about filing a police report, and then started giving me a hard time about not wanting to reveal who did in the beginning, but now wanting to say. I told them I was trying to keep this in my family and I was just doing what was necessary to make me whole again. She indicated that having that report would allow them to go after the person because Discover wants their money back too. I told female rep I had no idea where that person was anymore since returning to XXXX. The locks were changed on the last known address I listed. As the conversation with the female rep continued she told me that they would be doing the 2nd review based on the new information I provided, but also that Discover was choosing not to do business with me and has closed my account still holding me responsible for all of the charges. As of today XX/XX/XXXX I have yet to hear back from Discover as it takes them thirty days for a review. In the meantime I have alert credit bureaus about the remark placed on my report, and also submitted another fraud alert.
03/30/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • VA
  • XXXXX
Web Servicemember
While focused on news of a widespread Covid Pandemic, received a letter from Discover indicating their desire to increase late fees as part of a general terms of cardmember agreement. I did not take a liking the idea of these changes and increased fees, and thinking their choice of timing was distasteful given how many businesses are instead trying to help customers adapt to the current economic shocks related to closures and quarantines, while D iscover is taking the opportunity to raise fees. So, I contacted Discover to inquire about the changes, and if they were related to my recent Balance Transfer Promotion, or if they were company wide. After a bit of a wait I was put on the line with a representative in Delaware, who informed me the call would be recorded. And as per my preferred practice, if the other person is recording the call, I began to as well. I also tried to ask if I could opt out? I was advised that I can not opt out. I was told their internal directive says you can not opt out. I asked why not, and I was told " it means you have no legal right to opt out of these changes. " I asked to confirm that I hadn't signed away any form of personal agency that would allow me to choose whether or not to change or modify or enter into any new contracts. I was put on hold. While on hold, I typed into a popular internet search engine, XXXX, " Opt out Credit Card change rights? '' And among the results I found were an article of Consumer Finance Gov 's website : " updated XX/XX/2017 Can my credit card company change the terms of my account? The credit card company has the right to change the terms of your credit card agreement. For significant changes, the card issuer generally must give you notice 45 days in advance. Significant changes generally include increases in certain interest rates and fees, increases to the minimum amount due, or changes to the grace period or the way interest is calculated. You might not receive notice 45 days in advance about changes to the benefits you get from your credit card, such as points or cash rewards, or changes in the brand ( for example, changing from Visa to MasterCard or vice versa ) because these changes are generally not considered to be significant. There are restrictions on what changes the card company can make. For example, card companies generally can not increase the interest rate you pay on existing balances, except in certain circumstances. For many changes, you have the right to opt out of the newly changed terms. However, if you opt out, the card company might close your account. If your account is closed, you do not have to pay the balance in full immediately after the account is closed, but you are still responsible for making payments until the balance is paid in full. Depending on the card companys policies, your minimum payment may increase. The amount of the new payment can not be more than the amount needed to pay the balance off in five years or double your prior minimum periodic payment, whichever is higher. Note : Closing your account may negatively affect your credit score because closing the account will lower the amount of available credit you have and increase the percentage of available credit you are using. " When the Discover representative came back on the line, I inquired as to whether or not I could opt out, and it would simply result in Discover doing something similar to what was described. I was unable to obtain a clear answer during the call and subsequent transfers as to why I would have " no legal right to opt out of these changes. '' After the call, and playing back the recording, it still made no sense to me why I wouldn't have any rights, and I attempted to find a better phone number for discover, finding one for their executive customer service line that fields complaints. I contacted their office, and spoke to a representative named XXXX, who relayed my concerns to some team, and said they would review the call and then I would be contacted back in a few days. I received the response from XXXX at Discover 's executive customer service office today, which was to inform me of the two following responses : 1. ) The calls were reviewed and any coaching opportunities were addressed. 2. ) You do not have a right to opt out of the changes to the cardmember agreement. 3. ) Our representative did not say you have no legal rights. When XXXX informed me of the third item above, I suggested that they must not have fully reviewed that call, and offered to share my own recording. This was not something XXXX at Discover was receptive to, and instead said Discover does not consent to having calls recorded. So I gave him a brief reminder that he himself told me the call was being recorded at the start of each of our calls, and a brief explanation of how consent and 1 and 2 party requirements for recording calls work. And, that If the question is merely whether or not the representative did say that " you have no legal right to opt out of these changes to the cardmember agreement. '' It would be very easy to just play back the record. But do I have any rights? Unfortunately, being unwilling to continue the call unless I assured him the call would not be recorded on my side, ( while he continued to record on his side at Discover, ) led to his unwillingness to continue the call ; and he politely and professionally wished me to have a good day before the call ended. I seemingly am unable at this time, to further raise my concerns with Discover 's call center. None of the paperwork I have signed with Discover seems to suggested that I have no right to agree or disagree with any changes to my account. It would be helpful if someone at Discover could listen to my record of the phone call with Discover customer service representative in Delaware, in which I was told that " you have no legal right to opt out of these changes ... ''
09/22/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • CA
  • 90035
Web Older American
XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX, CA XXXX SS # last XXXX XXXX XXXX XXXX, President US Card Discover Financial Services XXXX My hard-earned, rehabilitated ( over the past eight or so years ) credit-worthy credit profile reflected by my FICO score on XXXX was decreased yesterday by nine points due in part to Discovers rejection of my application for a new opportunity for a credit card from Discover Financial Services. Like most Americans in XXXX, I personally experienced some troubled times financial ( crisis in XXXX ) and it reflected badly on my credit profile and creditworthiness. However, I have worked hard to restore my credit profile as being excellent and as yesterday my FICO score on XXXX was XXXX. However, Discover Financial Services has retaliated and discriminated against me by failing to issue me a card a new account to start over like everyone else in America. You declined to issue a card even though my FICO score was XXXX. You also knew that the credit inquiry stays on my credit profile for 25 months. And further, you know that if no account is established and no card is issued by Discover Financial Services that the inference is that it was declined by Discover and it was. Further, it is a surreptitious, and underhanded way of signaling to other potential credit grantors that no card was issued to this person with a FICO score of XXXX. So, you ( credit grantors ) should not extend credit to this individual either. Moreover, you have solicited me for my business through numerous mail solicitations ( to the point that I had to write a letter to ask you to stop ) for me to open up an account with Discover when I knew I was not ready, even though my credit score and personal finances were ready to handle a new card with Discover. I wanted to wait and get stronger financially and I am now. However, to be candid the only reason that I apply for a card from Discover was my creditworthiness profile was matched up with Discovers creditworthiness criterion. I would like to amicably resolve this problem by Discover Financial Services removing the credit inquiry from my credit profiles on any and all credit reporting bureaus today. Thank you for your cooperation. Sincerely, XXXX XXXX Please see the attached support information. XX/XX/XXXX XXXX Executive Office of Customer Advocacy On XX/XX/XXXX, I received a letter from Discover Financial dated XX/XX/XXXX. Application Number XXXX XXXX When I received and read it, based on your email to me dated XX/XX/XXXX, I took it as an oversight on your part. My overall credit utilization ratio is below 30 %. I keep it below 30 % to maintain an excellent credit score. As of XX/XX/XXXX, XXXX XXXX XXXX XXXXnstallment loan ( auto loan ) reported over 11-year history of Paid Exceptional. ( XXXX ) The amount ( about {$18000.00} ) owed on revolving accounts is not too high based on my demonstrated ability to pay more than the required minimum payment each month on every account over an extended period of time ) and my income. On XX/XX/XXXX, Discover Financial made a hard inquiry as a normal course of business to determine whether to extend credit to me. However, Discover counted their inquiry own against me when evaluating whether to extend credit. That impacted my credit scores and thats 100 % wrong! Moreover, of the multiple ( 4 ) hard inquiries ( one being Discover Financial ) on my credit profile report in the past 12 months. Two of those inquiries are from the same mortgage lender for the new home that I purchased and closed escrow on XX/XX/XXXX, which are technically and essentially XXXX hard inquiry. And the following is the reason why. In XX/XX/XXXX, I entered into an agreement to purchase my new home from my sister and arranged to have the mortgage finance by XXXX XXXX XXXX, managed by XXXX XXXX. And everything was fine, and we were ready to close escrow when my younger sister unexpectedly passed away in XXXX, leaving the family devastated. As noted, the purchase was in escrow ready to go with deposited funds in escrow, and a loan commitment from XXXX XXXX. I was committed to going forward with the purchase. However, I had to wait for the expedited approval from the probate judge which was granted in XXXX. In the interim in XXXX XXXX Solutions placed another hard inquiry on my credit profile which is now affecting my FICO score. At this point, my new home must be completely rehabbed, and I am starting that process by using my creditworthiness to apply for a XXXX XXXX credit card from XXXX to fix up the property. I was approved however my FICO score was decreased by 9 points today. When I apply the same day for a card from Discover I was declined, and my credit score decreased 9 points. My credit profile through no fault of my own was adversely impacted by Discover Financial. In reality, there should be only three hard inquiries ( one being Discover Financial ) on my credit report in the last 12 months. Two to three inquiries on my report are not excessive in 12 months. One being Discover Financial and the other being my mortgage lender. A point of fact : For XXXX Americans, and particularly XXXX American women, it is one of the most important factors in establishing a level playing field in XXXX which have traditionally discriminated against XXXX Americans in all manner of things. You know and I know that XXXX Americans were/are still being systematically discriminated against when it comes to accessing credit. Were traditionally cut out of the normal channels of accessing credit for the purchase of the home for mortgages, and for business formation, for installment loans, and for an automobile loan, or for any type of loans for anything without paying higher interest rates compared to our white counterparts in another section of town. Sincerely, XXXX XXXX XXXX. Please see the attached XXXX Report Summary and Court Order
10/08/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • MI
  • XXXXX
Web
CFPB I am filing this complaint about Discover Card, since they avoided and refused to address my previous complaint and the CFPB has closed that complaint anyway, preventing me from responding to it. The MI Attorney General forwarded my complaint to the CFPB, I did not prior contact the CFPB. But I did not contact the MI Attorney General regarding the Discover Card dispute, I contacted them regarding the interest fees that Discover Card had charged me. Discover Cards response was designed to mislead the CFPB so far from the actual complaint, as to leave them confused, while instead blaming me for Discover Cards repeated acts of bad faith, while violating my privacy with things that are not irrelevant to my complaint. Discover Card keeps adding insult to injury. Also, Discover Card pretty much ends their misleading response with the alleged dispute process in XX/XX/2020. But my actual complaint starts with the interest fees in XX/XX/2020, and Discover Cards after the dispute process, when the consumer has contacted the merchant but is still unhappy. Since you Discover Cards brought it up, the merchant will Not let me return the item. I will have that statement sworn out in an affidavit if you want me to. Why wont Discover Card ask the merchant why they wont let me return it, and why they lied to Discover Card? Why is Discover Card being complicit in the merchants frauds against me? DC has not proven that I can actually return anything. I have gone to the merchant, they will not let me return anything. I have written the merchant, they will not respond just like Discover Card. I have offered that merchant letter to Discover Card via chat, more than once, they refuse to accept it. Also, DC dictating that I go to the merchant is harassing frustrating and useless ; I dont tell them where to go. And going to the merchant will not ever get my Discover Card interest fees waived. Discover Card says that the merchant is allowed to challenge their decision, as am I, otherwise, that is biased unequal and unfair treatment. If Discover Card can change their dispute decisions, they can change their interest fees charge, and reverse those also. Discover Card, has Not responded to my communications. I have not received letters from them. If I had, I would have not kept mailing DC asking them why they refused to respond to any of my letters. Discover Card has had over a year to create letters, and back date them, and yet, ( and also despite DCs fall XX/XX/2020 chat specifically alleging that they would mail me copies of these fictitious letters ), I still have not received them. All evidence proves that they do not exist, and Im sick of being lied to about it. Likewise, in your response to CFPB, DC has not even provided dates that correspond with a single one of my mailings, let alone an alleged, non-existent letter. The only reason that I did not pay the amount in full was because I am not required to pay an amount in dispute, and I was in good faith waiting forDCs response. DC can see from my 2 decades history with them, that I always pay the balance in full, and but for this dispute, which I am not required to pay, there would not be any interest fees at all. Also, due to coivd, the libraries were closed, and therefore, I had no computer access, and could not log into your the DC web site. DCs discriminating against me for not having a computer, is unethical. There re is no law requiring me to have a computer. DCs punishing me for covid is abhorrent. I am in no way responsible for the pandemic. These unusual circumstances, should be enough, alone, for DC to waive the fees, which occurred solely to their lack of response to me. Why are they allowed to punishing me, when DC is the ones who refused to respond to me, repeatedly? That is total abuse of power and position to harm me. When I finally, after 18 months of asking, had a very few fees waived, the DC employee told me that they could only waive 3 months of fees ; but besides that being a lie, ( they can in fact waive them all ), DC just has to want to. They have to care enough not to treat me like a disposable piece of garbage. I have been a loyal customer for 20 years, never prior having had any interest fees, and this is how they treat me now, after ignoring me for well over a year and during a pandemic. Had Discover Card responded to my XX/XX/2020 interest fee waiver request, there would not have been any more fees- they only occurred due to my in good faith waiting to hear back from DC, but that never occurred. The fault if DCs. Discover Card can not ethically refuse to respond to me, for the sole purpose of charging me more interest fees. That is blackmail and extortion. If Discover Card had responded to my XX/XX/2020, or my XX/XX/2020 interest fee waiver request, or my XX/XX/2020 fee waiver request, etc. there would not have been any more fees, etc. And those requests all fell under DCs employees stated 3 months of fee waiver by anyone. But the DC unknown respondent is not anyone, they have the power to waive all of the interest fees. My only mistake, was trusting Discover Card to do the right thing by me. If DC had looked into my account, they would have seen my XX/XX/2020, XX/XX/2020, XX/XX/2020, etc. letters. Or maybe they did, and since DC can not explain why they refused to respond to me, they just also failed to address any of those letters for the CFPB, because DCs admitting that they never responded to me, makes it more difficult for them to justify their charging me with interest fees. I am asking Discover Card again, to waive the fees, all of them. Discover Cards repeated refusals to respond to me, are the sole reason that the interest charge even exist ; DC also damaged my credit score, month after month, for 18 months. Waiving all of the interest fees that are directly related to this single dispute, the entire {$23.00}, is the very least that DC can do.
10/18/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • CA
  • XXXXX
Web
XX/XX/XXXX this year I requested DISCOVER CARD to lower their APR so I could pay off the balance, due to financial difficulties. Since XX/XX/XXXX when I started with DISCOVER credit card, the company offered me 1 yr 0 % APR 's on any transfers throughout the years, perhaps due to the fact I 've never missed a monthly payment. Because I never missed a payment in my 5 year tenure with DISCOVER or on any of my bills, and with their track record of offering 0 % APR 's on transfers, I assumed when I told DISCOVER I had financial difficulties back in XX/XX/XXXXthey 'd at least lower the 21.99 % APR that 's on my $ XXXX K of debt.. so I could pay-off my card and not declare bankcruptcy. Currently their APR has me paying {$380.00} a month - None of that amount goes to decreasing my debt!! I ca n't afford more than {$400.00} a month to pay to my DISCOVER card - and {$380.00} of it is NOT decreasing my bill!! That 's strictly APR payment. The remainder {$20.00} I must re-use for food / gas. So every month -- I 'm no where to paying off this card!! Due to the economy and grave RENT increases every 10 mo 's since XX/XX/XXXX, I 've been forced to max-out this card and use other XXXX - and finally I am starting to be able to pay it off.. if DISCOVER lowers their 21.99 % APR to an original card member amount.. .. .. An example of DISCOVER 's repeated responses to my requests via their website, where I reiterated even with Live Chat that I do n't want card suspension - I just want to pay off my card. Please lower my APR so I can pay off my card. Their response : -- -- -- - Original Message -- -- -- -- Date : XX/XX/XXXX XXXX XXXX Subject : Re : Other APR Questions [ # XXXX ] Sender : Discover Card Customer Service Hello ..., Thank you for your message regarding your Discover account. I understand your concern, and I am happy to assist you today! We do n't usually reduce annual percentage rates ( APR ) on existing balances. EXCEPTIONS INCLUDE CUSTOMERS THAT MAY HAVE A FINANCIAL HARDSHIP, which may require suspension of your account.? Something that may be helpful in paying your card down is our Paydown Planner. It 's a free tool to help you view how long it will take to pay off your balance. .. " .. .. " Paydown Planner '' is a calculator -! See attached # 1. Does n't " ca n't afford it '' equate to " financial hardship '' -? And in my anger at the time I even noted hey I 'm going to XXXX and XXXX about this, it 's so wrong they 're not taking my " ca n't afford it '' and excellent payment track record to simply lower my 21.99 % APR ... to which they responded they 're sorry, but the APR is fine.. .. THEN IT GETS WORSE - after all those emails since XX/XX/XXXX of me asking DISCOVER to please lower the 21.99 % APR, I ca n't afford it, DISCOVER sends me a letter XX/XX/XXXX saying they 're going to INCREASE my monthly payments, because it 's been overdrawn.. (!!!!!!! ) See attached # 2. What happens as noted is I 've been paying $ XXXX monthly -- of which {$380.00} goes to the APR ( not to decreasing the debt amount ) and {$20.00} has to be reused for food. So nothing is decreased -- - and then a 21.99 % APR is added again that month. This merry-go-round of paying DISCOVER $ XXXX monthly but no decrease to my payments leads to " overdrawn ''.. and every 10 months I 'm paying {$3800.00} to DISCOVER, none of which goes to paying off my debt. After telling DISCOVER I could n't afford it - they have now said they 're going to increase monthly payments.. " In an effort to help you get your balance under your credit limit we may increase your minimum payment amount as soon as within the next 60 days ''. !!!!? Wow -- So ... I took the issue to the BBB / Better Business Bureau XX/XX/XXXX. See BBB Complaint ID XXXX / attached # 3. Through the BBB I told DISCOVER again how I now am facing declaration of bankcruptcy -- and I do n't want to do that. I also noted I do not want to suspend my card. To please lower the APR per DISCOVER 's history of 0 % APR transfer offers over the 5 years I 've been with them, so I can pay-off my card. I did n't even ask for a 0 % APR -!!! But through this BBB complaint, DISCOVER repeatedly responded saying the APR is fine. Apparently they forgot their " Exceptions include customers that may have a financial hardship '' clause. DISCOVER 's last correspondence was yesterday " We have confirmed that the Annual Percentage Rate on your account is valid and in accordance with your Cardmember Agreement ''. See attached # 4. What happened to " Exceptions include customers that have a financial hardship '' .. Is n't being pushed facing a decision about declaring bankruptcy falling under the heading of " financial hardship ''? The BBB closed the file Case # XXXX today, stating " This matter is now closed in BBB files, and will appear in the company 's BBB Business Review as : 'Answered - the business addressed the issues with the complaint, but the consumer remains dissatisfied. ' " How is DISCOVER saying they are going to do nothing, addressing the issue? I googled and found CFPB - thank goodness.. and thank you 's to the great person and website who brought your company to note. My final emailed response to DISCOVER through BBB, says all, so best here too : " For a customer who has never missed a payment over a 5 year period ( proud of that! ) on any of my bills - - and after years of DISCOVER themselves offering 0 % APR 's to that customer ( me ) for transfers - - to refuse to just lower the APR % from 22 % on XXXX k (!!!! ) so I can pay off my card in order to not go into bankruptcy, is unfortunately vituperative, and really unusual for such a big wealthy company which advertises it is for the public. I am still requesting a lower-to-0 % APR per DISCOVER 's previous 0 % offers for one year, so I can pay down my card. Looking forward to the top heads responding in kind. ''
04/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 300XX
Web
Discover used information inaccurately, closed my account I did not know about this act, triggered hard inquiry, and unapproved credit card - continue to impact my credit negatively. Detailed letter attached. XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Discover Bank Re : Discover Application # XXXX This letter is in response to your letter dated XX/XX/XXXX, which is unapproved of a small credit account. This act is purely triggered by Discover not handling my account fairly and closing. Further, misled by the representative to apply for new card. Further, your letter is degrading and adding insult to the uncontrolled situation A background, which is now necessary : I am a victim of fraud - First in XX/XX/XXXX my business in Hawaii, has been fraudulently possessed by a group of people. This is the place I had a very significant investment and this was my home, where I spent over 15 hours a day and worked hard to grow. This premise of my business had all my investment, documents, including my credit cards. This heinous act by group of people left me with nothing. Please also note that this fraudulent action have been reported to XXXX of Hawaii. Further, I have taken legal action since past 3 years against this fraudulent activity and group of people. This action is active and on and I am waiting for the justice to be served. Second - in XX/XX/XXXX during the pandemic my SSN was stolen. This scammer is still on and sending letters and calling my cell phones. It is freighting enough to deal with such horrifying act. I have notified the IRS since this day and additional authorities as well. Domino Effect of uncontrolled situations : Third : COVID-19 - As I have been working hard to restore my personal and professional life, my cash flow suddenly stopped due to COVID-19. During this time I had no choice and had to utilize my credit cards to pay for necessities. It took me 6 months to begin having cash flow. Now to answer your letter dated of Key Factors : that were obtained from XXXX XXXX XXXX as per your letter ) Credit Score in your letter credit score iis blacked out unsure what it is? ( My credit score is XXXX XXXX Your factors in unfairly and inaccurately determining and my answers : 1. Key Factor 1 % credit limit is too high on revolving accounts. ANS : Please refer to all 3 of my facts above First, Second and Third. The entire Nation was impacted with COVID-19. Many businesses closed due to this. I as a normal average human was also impacted with this. To survive I utilized my credit cards. As of today XX/XX/XXXX I have paid down this card and brought my utilization to 20 %. This is because I am committed and hard working individual, and pay attention what is and what is not. 2. Key Factor 2 Length of time accounts has been established. ANS : I began to open up account as early as 2013 onwards ; right after my graduate studies, done paying my education. 3. Key Factor 3 Lack of recent installment loan information ANS : I had invested my own funds to my own business, and did not need to borrow any loan. Please refer to my fact above mentioned FIRST 1 4. Key Factor 4 Number of accounts with delinquency ANS : FIRST and FORMOST XXXX XXXX has NONE account that is delinquent. THIS IS EXTRMELY INACCURATE. Further, there is none account delinquent in any bureau. There is one account in dispute and at Arbitration. Please refer to my facts above. This was {$400.00} balance charged on my XXXX credit card a scammer company. I provided XXXX all supportive documents. XXXX failed to protect my money and made mess in y credit. It was never delinquent. There for your assessment to my account is highly INACCURATE. 5. Key Factor 5 Number of inquiries on credit bureau ANS : Please refer to my FACT mentioned above. These inquiries are in the process of coming out of the lists. Your letter is written with inaccurate information, and reference is inaccurate as well. Discover indeed has treated me / my credit application unfairly. RESOLTION : The hard inquiry must be immediately : 1. REMOVED OR 2. FLIP TO SOFT INQUIRY To further continue to impact my credit account. This must be done immediately, without further delay. Your prompt action is required XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Discover Bank Re : Account # XXXX Further to CFPB complaint ID : XXXX, this letter addresses that my account is treated unfairly by Discover. Discover has reported since the open of my Discover account, to the credit bureaus, that my account is in good standing paid, no balance to owe, excellent payment history. XX/XX/XXXX During my call to your support centre, your representative told me that your account is good standing and keep using it. XX/XX/XXXX - I tried to use my discover card and for the small transaction of sixty dollar and it was declined. I did not understand the reason. This very day, I called your support centre to find out the reason of the declined transaction. Your representative told me Oh we closed your account. I was surprised to learn that, as I was advised in XX/XX/XXXX that my account is in good standing and I can continue to use it. I expressed my concern and that I did not ask to close the account. It is inaccurate that my account was closed as a result of review? This very representative advised me to go ahead and open up another account, with assurance tone of voice. I followed her instructions and proceeded. In next minute I was advised that no we cant proceed with new card and I cant have the credit card. This triggered a hard inquiry, that is purely misled by the Discover representative. Discover indeed has treated me / my credit application unfairly. This hard inquiry must either be : - 1. REMOVED OR 2. FLIP TO SOFT INQUIRY To further continue to impact my credit account. This must be done immediately, without further delay. Your prompt action is required. Thank you XXXX XXXX
06/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MI
  • 48103
Web
My mother made a payment on my account using an ACH authorization that was scheduled with a live agent on XXXX XX/XX/XXXX with a live agent. The authorized ACH was in the amount of approximately XXXX dollars. XXXX, the live agent scheduled the payment and provided my mother with the reference number XXXX. The payment posted and no payment reports as having been returned. However, on or around XXXX XX/XX/XXXX I received notification that my account had been automatically closed due to non-receipt to keep the account open. On or around XXXX XX/XX/XXXX I spoke with a live agent. The live agent informed me that no payment had been returned. However, he did allege that Discover did present the authorization for payment to the financial services institution, but the financial services institution replied to the ACH authorization with an error code indicating that no such account existed with the information as presented by Discover to the institution. My mother contacted her financial services institution or around XXXX XX/XX/XXXX. Her financial services institution stated that NO request for an ACH authorization from Discover had been made since XXXX of XXXX. That is, the financial services institution has no record of any ACH transaction request from Discover for XX/XX/XXXX, and as such there was never a reply to an ACH withdraw from the financial services account. Despite this, Discover has stated it is unlikely they will reopen my account even if the error is on their part and instead opted me to place me in a payment program that temporarily reduces interest rates. Moreover, program enrollment erquired me to allow pre-scheduled automated ACH authorizations that can not be cancelled or changed other than using a live agent. There is no ability to modify those payments online, even to change accounts. This is intentional as Discover has wagered it is more likely that payments will go through by providing obstacles to alter payment information. The account became delinquent because I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX- not because there was an inability to make payments. While I understand I am not blacklisted from reapplying for a new card, and appreciate the interest rate reduction program, the entirety of this situation seems to constitute an unfair practice under the CFPA, as I was never notified that the ACH transaction did not process for whatever the reason and therefore was never given the opportunity to cure the situation. In contarst, I have been given the opportunity to cure a returned payment, either by the system representing payment, or by me making a replacement payment online or over the phone. What's more it is my understanding that Discover has reported a missed payment for the month of XX/XX/XXXX and additionally reported that the account was closed by the creditor -- all because Discover 's system did not present the payment to the financial services institution as expected. As consequence, I was never able to exercise my due process rights pursuant to 12 CFR 1026.13. That is I was not able to exercise my right of notice and opportunity to be heard by filing a billing error notice BEFORE the system automatically closed out my account because I was never notified of any issue and Discover 's system reported the payment posted on or around XXXX XX/XX/XXXX. As consequence, the closing of the account, and the subsequent reporting of late payment and account closure to the CRAs would seem to constitute an unfair practice under 12 U.S.C. 5531. Finally, my payments became behind as I have struggled o communicate while XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In fact, my credit reports due not indicate periods of serious delinquency within the last seven ( 7 ) years other than a single thirty ( 30 ) day late payment for XX/XX/XXXX. That is, I continued to maintain the obligations after I first XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX of XXXX and struggled with XXXX from XXXX through XXXX, having XXXX XXXX XXXX XXXX in XXXX of XXXX. While I understand that credit scoring, credit modeling, and risk analysis never anticipated the far reaching changes that may come about as the result of a pandemic we are over two ( 2 ) years into the pandemic and it would appear financial services institutions have been entrenched in their desire to continue their usage of pre-pandemic risk exposure models to close accounts that, while perhaps unintentional, unfairly target individuals like myself who have struggled after XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yet, if I needed to make changes to account information for any automated payment, I would be forced to endure pain My underlying condition is itself considered a XXXX under the ADA. XXXX is considered a XXXX under the ADA. XXXX is considered to be a XXXX under the ADA. I don't think the totality of discrimination here could be any clearer, nor could the unfair practices be any more striking. I have filed a dispute internally with Discover. The Discover case number is XXXX.
04/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MN
  • 55433
Web
On XX/XX/XXXX, I pulled my credit report and noticed that there was some inaccurate information regarding my credit score. I noticed that my credit reports have been ruined by this company on information that has not been validated. My consumer credit reports have been ruined due to the businesss abusive and deceptive practices. I contacted the credit card agency with a letter regarding my findings and still have not received a response and it has been more than 30 days since the letter has been sent. My complaints were as followed : To whom it may concern : Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. As I did not authorize consent for Discover to report anything on my consumer report. Pursuant to federal law 15 U.S.C. 1692 a ( 3 ) When I pulled my consumer credit reports on XX/XX/XXXX I noticed that my credit reports have been ruined by this company on information that has not been validated. My consumer credit reports have been ruined due to the businesss abusive and deceptive practices. I noticed that there were inaccuracies on my consumer reports, such as the balance of {$6000.00} and late payments reported by your company. This has destroyed the lively hood for my children and I to live sustainably, such as purchasing a home of our own, and being able to take care of their necessities. This is very disheartening for me and caused a lot of emotional distress for myself and my children. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof of claim that I am legally obligated to pay you and that late payments were made and updated pursuant to 15 U.S.C 1666B. I am demanding the removal of the negative items if the information is not validated. ( A copy of any sort is not evidence ) The original must be furnished with WET INK SIGNATURE, including 3-308, and 3-302 ) and proof that it is my signature. Pursuant to federal law 15 U.S.C. 1681 as well as the Fair Credit Billing Act 15 U.S.C 1666-1666j., federal law states that you can not report anything adversely on my consumer credit report until the investigation is complete. Please provide me with the below-mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount pursuant to Federal Law UCC 8-315 * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence of your license numbers and your registered agent. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, or XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below-mentioned reasons under 15 U.S.C. 1692 ( a ) ( 1 ) as well as the following : *Misuse of my copyrighted property *Violation of the Fair Credit Reporting Act ( F.C.R.A. ) *Defamation of character *Violation of the F.D.C.P.A *No consent was given *Invasion of privacy I would like to inform you further that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. If your agency can provide me with the requested documents, I will need a minimum of thirty ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate solution for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of June 5, 1933, under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ). If your agency/company fails to respond to this debt validation request within a period of ten ( 10 ) days from the date of your receipt of my notice and affidavit, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer-generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records. Any information obtained shall be used for that purpose. Respectfully, _________________________________ XXXX : XXXX Without Prejudice 1-308
09/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32566
Web
Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Regarding : Your Correspondence NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT I, a living man, in body, mind, and spirit, hereby address your recent correspondence concerning an alleged debt account. I conditionally accept said claim upon proper verification, noting a fact that you do not possess my legal God given signature, autograph, or a specific contract with me. This alleged contract you have stored is void as you read this sentence. You have no jurisdiction over me, I demand that you stop your annoying efforts trying to collect this alleged debt from me and stop transferring my private data now. The most high lives in me, I am not playing games with you. In order to validate the alleged debt fully, I require Discover Financial Services to provide the following immediately. 1. A valid, legally binding contract, signed by all parties involved, demonstrating bilateral consent. I assert that I am not required to pay the alleged debt, as I can not, in any way, shape, or form, be compelled to do so due to my status and equality as the child of the Most High. The use of the term " alleged '' is, in fact, heresy, and your continued efforts to collect this debt are deeply disrespectful to the Creator. This is not a soft request but a demand to cease all debt collection activities against us. It is indeed your choice if you do decide to be ignorant to the words that I express to you. 2. A true and certified copy of the complete audit trail of the account, including proof of the alleged loss and who my data was transferred to. I emphasize that this demand is not a mere plea but a command to halt your illegal activities. Our status is non contractable with anyone we choose, and I even retain the power to uncontract with the Most High if I so decide. 3. Audit certification of the debt entry in accordance with Generally Accepted Accounting Practice ( G.A.A.P. ), International Financial Reporting Standards ( I.F.R.S. ), the Basel III accord, and the United Nations Commission on International Trade Law ( UNCITRAL ) conventions. I will not tolerate further disrespect, and we will spend the necessary time sending a non-negotiable invoice with a demand for remedy according to the law. 4. A copy of your Tax Registration certificate. Failure to substantiate said claim within thirty ( 30 ) days of recorded delivery of this Notice shall constitute legal/lawful Accord and Satisfaction, settling and closing all alleged claims. In this event, we reserve the right to charge damages against Discover Financial Services, in their private capacity, under their full commercial liability, for any unverified claims presented thereafter regarding this matter. We wish to remind Discover Financial Services that the burden of proof always lies on the claimant. I stand firmly in my capacity as a powerful man created by God, and I demand that any actions taken by Discover Financial Services be in full accordance with the law. Note : This is the last time I will send a message requesting a soft resolution for you to stop your illegal debt collection practices. God himself will send another demand for remedy if you choose to violate me as a living man of God, any further. change the status of the reporting immediately. It is essential to establish that this account has no legally binding contract bearing my legal signature or autograph, and therefore, no valid agreement exists between me and Discover Financial Services. I have found it disconcerting that despite the clear absence of such a contract, your organization persists in its attempts to collect on this alleged debt, which I view disrespectful, and holds particular weight in matters of living individuals and their unalienable rights. The absence of a valid, legally binding contract, as well as the failure to provide proper legal verification of this debt, leaves me clear with no obligation to make any payment. I want to make it abundantly clear that my status and equality as a creation of the Most High make it impossible for me to be compelled to pay this alleged debt. In light of these obvious facts, I consider this letter as the final and unequivocal attempt to resolve this matter amicably and within the bounds of the law. Failure to cease your illegal debt collection practices will result in another submission of a non-negotiable invoice for remedy according to the law. It is important to understand that this matter is now legally/lawfully closed and properly settled. Furthermore, Discover Financial Services or any of its agents, principals, or assigns, by their failure to comply, have tacitly agreed to the terms and conditions outlined below : 1. That the alleged debt is not obligated to any party, or has been settled in full. 2. That Discover Financial Services or any of its agents, principals, or assigns shall be held culpable for any damages I suffer, in their private capacity, under their full commercial liability. 3. That any negative remarks related to this matter on my credit report shall be promptly removed. 4. That this matter is considered permanently closed. 5. That no debt has been proven, and if Discover Financial Services or any of its agents, principals, or assigns sell the alleged liability again, they shall be deemed to have breached this agreement and shall agree to the terms of the Fee Schedule attached. Please be aware that these terms represent a legally binding agreement, and any failure to comply will result in further action. This issue is now considered resolved, and I expect full and prompt compliance with the conditions outlined herein. Any further communication from Discover Financial Services should pertain solely to confirming your compliance with these terms. Sincerely, [ XXXX ] 'Without Prejudice UCC 1-308 ' ]
06/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11729
Web
XXXX and XXXX are reporting a Discover Account under the account # XXXX under my credit report without my consent and under the violation of 15 USC Laws as described : ATTENTION : ( Discover Fin SVCS LLC ) XXXX XXXX RE : XXXX ( XXXX ) XXXX XXXX. This Affidavit of Fact is Pursuant to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which you Discover Fin SVCS LLC are in violation as I never gave you my information directly ; 2. I a consumer in fact, agree with The Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 U.S. Code 1692 ( e ) ; 3. Take Notice that Pursuant to 15 U.S. Code 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you Discover Fin SVCS LLC used email, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 U.S. Code 1692a ( 3 ) as any natural person allegedly obligated to pay any debt ; 4. Take further notice that I am the true creditor Pursuant to 15 U.S. Code 1692a ( 4 ) which clearly states that a creditor is any person who extends credit creating a debt therefor I a consumer created the debt via my extension of credit to Discover Fin SVCS LLC ; 5. You Discover Fin SVCS LLC shall also know that the term debt defined under 15 U.S. Code 1692a ( 5 ) comprehensively states that it means any alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes ; 6. Notice that you are defined as a debt collector Pursuant to 15 U.S. Code 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent in direct violation of 15 U.S. Code 1692c ( a ) ( 1 ) ; 7. You Discover Fin SVCS LLC are also in violation of 15 U.S. Code 1692b ( 2 ) which states that you may not state that I a consumer owes any debt. Furthermore, you have attempted to communicate with me on multiple occasion which is a violation of 15 U.S. Code 1692b ( 3 ) ; 8. You are also in violation of 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ) ; 9. Take further notice that Pursuant to 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval as you Discover Fin SVCS LLC is stating that someone other then me a consumer in fact, is the creditor when I am the creditor Pursuant to 15 U.S. Code 1692a ( 4 ) ; 10. I hereby Demand! That you Discover Fin SVCS LLC cease and desist all communication and attempts to collect this alleged debt Pursuant to 15 U.S. Code 1692c ( c ) ; 11. Take further notice that your failure to follow these laws will result in me invoking specified remedies Pursuant to 15 U.S. Code 1692c ( 3 ). You have 10 days from the receipt of this notice to cease & desist all communication and remove all negative remarks from all three bureaus or I may seek damages Pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) ( b ) ( 1 ) ( 2 ) ( d ). Additionally I DO NOT consent to any automated scan response or e- Oscar verification methods. TERMS DEFINED PURSUANT TO 15 U.S. CODE 1692a 1. The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 2. The term consumer means any natural person obligated or allegedly obligated to pay any debt. 3. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 4. The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 5. The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. 6. The term location information means a consumers place of abode and his telephone number at such place, or his place of employment.
05/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 95628
Web
On Friday, XX/XX/XXXX at XXXX a message came up on my laptop from XXXX saying my laptop has been disabled and to call them immediately to rectify the situation. I literally couldnt do anything on my computer so I thought it was legit. XXXX answered and had me do a few things to see what was happening. He discovered that my laptop had been hacked. He had me download something so he could have remote access. He said my laptop, phone, email and Discover card had been taken over. He told me to get my Discover card and he would do a 3 way call. He said they probably wouldnt talk to me with him on the phone for security purposes. So XXXX from Discover called me back, and when she called back it literally said Discover so again I thought it was the real Discover. She said that there was a {$7000.00} charge for an adult website in the XXXX XXXX. I said I would have gotten an email because I have alert set up for anything over {$50.00}. She said we sent you an email but the hackers got control of your email and responded that yes it is me go ahead and approve transaction. She gave me two options to rectify the situation. The first one made no sense, but the second one was to go and buy gift cards in the amount of {$7000.00} to put that on a new Discover card so when the $ XXXX charge tried to go through, the money wouldnt be there. She said time was of the essence and I had to act fast. She instilled panic in me and so I wasnt even thinking clearly. She said if I didnt do this my laptop and everything on it including all of my passwords would be held hostage and would be accessed by these people. So of course I wanted to make the situation right. I believed her. I was acting under duress. They first had me go to XXXX to buy XXXX {$500.00} gift cards. Then to XXXX XXXX to buy XXXX {$500.00} gift cards. Then I went to XXXX but the transaction wouldnt go through. They then transferred me to the real Discover and I said I was transferred which that should have been a red flag to Discover. The XXXX transaction never got approved. I then had to go to XXXX to buy XXXX {$500.00} XXXX gift cards. I was told they would cover the other {$500.00}. I even got texts from Discover, so again thought it was the real Discover having me do this. Around XXXX I realized I was being scammed. I immediately called all the gift card suppliers but they had already been used. XXXX opened up a case, case # XXXX. XXXX opened up a case, I spoke to XXXX Case # XXXX. They said that the scammers had the funds transferred to their XXXX XXXX. I spoke to XXXX they used the cards at XXXX, XXXX. Merchant ID is XXXX, Transaction IDs are XXXX and XXXX. I called XXXX Sheriffs department who came out and took a report on Saturday XX/XX/XXXX at XXXX. I spoke to Deputy XXXX Badge # XXXX and Report # XXXX. He took my statement and took pictures of all of the gift cards and receipts. Deputy XXXX said I was acting under duress and Discover should be held responsible. He said not to take no for an answer and to keep going higher up until the charges are covered. I called Discover on XX/XX/XXXX at XXXX to tell them I had been scammed. I spoke to XXXX and she told me that because they are gift cards, Discover would not be able to help me. On XX/XX/XXXX at XXXX. I spoke to XXXX, gave her report #, officers name, badge #, and phone number. On XX/XX/XXXX at XXXX I spoke to XXXX in fraud and she took my statement. She also said that because these were gift cards more than likely nothing they can do but it will be assigned to investigation within XXXX days. On XX/XX/XXXX, spoke to XXXX in investigations I explained again what happened and she also said that unless it was a case of someone using my card, it more than likely wont get approved. I asked to speak to her supervisor. She said she was unavailable. She said that XXXX would call me back. On XX/XX/XXXX at XXXX, XXXX the supervisor in Investigations called me I told him how I dont appreciate how I am being treated as if I did this on my own free will and how I would be held responsible for these charges. He said that he will document that Discover should have been more aware of the tranactions when I was transferred to them especially since its the stores scammers have people go to, high amounts, and even amounts so clearly it wasnt merchandise. I asked if he wanted me to send over pictures of the gift cards and receipts. He said no. I asked if he will be obtaining the report copy from the police and he said that they would definitely be working with the police on this. Key Points Why Discover Should Cover This : While on the phone with the scammers, they connected me with the real Discover. When the real Discover came on they asked how can I help you. I said I dont know I was just transferred to you. This happened four times when the transactions were being declined. This should have thrown up a HUGE red flag. One, there must be a way Discover could have seen who transferred me to them. Also, the fact that I kept calling, or rather being transferred, asking for all of these transactions to go through-high even amounts, clearly not buying merchandise. Discover should have asked like what are you trying to buy, whats the reason for going to multiple stores, also when the transaction didnt go through at XXXX, then going to a different store to see if it would go through. That should throw up a red flag. When the scammers called me, the name Discover came up on my phone, so I thought it was the real Discover. I was getting text messages from Discover to approve transactions. Discover fax XXXX, case # XXXX I have contacted the media and they reached out to Discover. I have written to Discover explaining what happened. I have appealed Discover 's decision. I have filed a complaint with the FTC and CA state attorney general 's office. I also of course filed a police report.
06/20/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • GA
  • 306XX
Web
This is ridiculous. I didn't make any of these charges. I've been complaining for over 100 days. I can't call or mail anything. I can fax. XX/XX/XXXX XXXX XXXX XXXX NV Gasoline $XXXX XX/XX/XXXX XXXX XXXX XXXX NV Gasoline $XXXX XX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Merchandise $XXXX XX/XX/XXXX XXXX XXXX XXXX NV Gasoline $XXXX XX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NV Supermarkets $XXXX XX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NV Supermarkets $XXXX XX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/XXXX XXXX XXXX XXXX NV Gasoline $XXXX XX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NV Supermarkets $XXXX XX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NV Supermarkets $XXXX XX/XX/17 XXXX XXXX XXXX NV Restaurants $XXXX XX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/ XXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX NV Supermarkets $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV Automotive $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV Merchandise $XXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX NV Restaurants $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV Merchandise $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV Merchandise $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV Merchandise $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV Gasoline $XXXX
01/20/2022 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • TX
  • 793XX
Web
To whom it maXXXX concern, XX/XX/XXXX My name is ****. My loan number is ***. In XX/XX/XXXX, I requested for forbearance for COVID-19 hardship. The forbearance period was from XX/XX/XXXX until XX/XX/XXXX. In XXXX, I requested for an extension. This extension was approved until XX/XX/XXXX. During the forbearance period I continued to receive late statements and delinquency notices from Discover Home Loans. Therefore, I constantly called every month to verify that I was still in forbearance. At the end of XXXX, I received a letter from Discover Home loans discussing next steps when exiting the forbearance period. This document arrived with a lengthy application. On XX/XX/XXXX, I called Discover asking if I needed to complete this document. The customer service representative transferred me to loss mitigation. Loss mitigation stated that they sent the application by accident. However, I had XXXX options to handle the payments that were not made during the forbearance period. The options were, 1 ) I could pay the balance in full 2 ) Arrange a payment plan and 3 ) defer the payments to the end of the loan. At that time, I requested for my complete balance to be deferred. After this, I continued receiving mortgage statements that had a balance that should have been deferred. In XXXX, my balance changed from {$2800.00} to {$1100.00}. My XXXX statement also represented that I had a deferred balance of {$2300.00}. I kept calling regarding the balance being incorrect on my statement and that the complete forbearance was not deferred correctly. At this time, I was reassured that they would process the forbearance extension. On XX/XX/XXXX, I called to check if I needed to make a payment in XXXX, or if the payments resumed in XXXX. Customer service stated I needed to make a payment. Therefore, I made the payment as requested and continued making my payments. I consistently called requesting for the balance to be fixed. I was told by customer representatives that it was escalated and to give it 30 days every call on multiple calls. In the mean time, I was preparing to sale my home to purchase a new home. I seen the regulations for FHA were that you had to make XXXX on time payments after the forbearance period in order to qualify for a home loan. On XX/XX/XXXX I called to request another escalation on the deferral. I was reassured by XXXX that the deferral would be processed in XXXX business days. However, that never occurred. At this time, I had applied for my home loan, was pre-approved, had two contracts on my home to sale, and found a new home to purchase. I began to call on a regular basis. Each time, I was told it was being escalated, or sent to a supervisor for the deferral to be processed and the documents to be corrected. By the end of XXXX, nothing had been resolved and I still had a balance on my mortgage statements. Therefore, I was requested to pay my balance in full to have my current loan in good standing. I made my XXXX payment on XX/XX/XXXX, the remaining {$1100.00} balance ( that was originally supposed to be deferred ) on XX/XX/XXXX, and XXXX payment. On XXXX XXXX, I was informed by loss mitigation that they processed the deferral, but I had already paid the balance so there was nothing to defer and that my loan would be reinstated. I have requested for all notes, call logs, and documentation regarding my account from the research department. The majority of these documents I had never seen and some of the items I have requested have not been provided. A forbearance opt-out document ( XXXX ) was in the documents that were provided. This document is dated XX/XX/XXXX and stated that I was out of the forbearance plan and to continue making my monthly payments. The one issue with this document is my forbearance ended in XX/XX/XXXX, not XX/XX/XXXX. Due to the failure of correctly processing the forbearance deferment when originally requested ( or the multiple times after ), contradicting documents, and mortgage statements stating DELINQUENCY or LATE PAYMENTS, I am in a very difficult situation. I am unable to obtain a new home loan unless the documents are corrected, or a letter is drafted on the behalf of XXXX and/or Discover Home Loans to address the issues as followed : There were no late payments as the account was in forbearance The forbearance period ended in XX/XX/XXXX The deferral was not processed correctly, or the months that did not process were not done in a timely manner therefore the loan was reinstated once paid in full The payments that did not process for deferral did not have a due date and therefore are not late An overall explanation of the situation from XXXX and/or Discover Home Loans regarding the situation The frustration is, I completed everything as needed, and continued my payments when the Forbearance ended. However, the corporations who I relied on to properly handle the Forbearance and Deferment, did not process their responsibilities correctly. Therefore, this is preventing me from obtaining a home loan. Fortunately, I had the sale of my home fall through, or otherwise I would be homeless. However, I currently have three offers on my home that are waiting to be accepted. Also, I am under contract on a home that was supposed to close on XX/XX/XXXX. I have placed earnest money, option fees, appraisal fees, and inspection fees on this home that I will lose if this is not corrected. Not to mention, my XXXX XXXX XXXX will have to be withdrawn from the school district where our new house is supposed to be located ( he main reason for moving in the first place ). I have been sent in so many circles by customer service and supervisors. Therefore, I am coming straight for answers. I ask for this to be corrected, or for the documentation to be provided. Please contact me if you have any questions, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
02/21/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 90731
Web
Shortly after using my card for the first time, several suspicious transactions appeared on my account, payments were misapplied, fees were assessed and interest was added to the account balance without a proper explanation of the charge nor were they included in the account history. Unfortunately I did not recognize this suspicious activity until much later which I believe was due to my browser redirecting me to a fraudulent Discover website. Upon the discovery of these odd events, I contacted Discover to dispute the unauthorized transactions, the erroneous fees, and to report the misapplied payments. This dispute was opened XX/XX/XXXX but it wasnt until XX/XX/XXXX that I was sent a new card and received confirmation that an investigation was opened. Around this time, I was sent a list of the items that were to be disputed. The list of the disputed transactions I had requested was inaccurate and included several payments that were successfully applied to the account. Discover requested I either add or remove items on the list and asked me to return this list along with the signed affidavit of fraud. Prior to its submission, Discover took it upon themselves to dispute almost every transaction and payment that was made on the account. Then, for some unknown reason, I stopped receiving my monthly statements and requested copies. Discover did not honor this request until three cycle periods later and, when the statements did finally arrive, I was shocked to see how the disputed transactions were itemized. These items were reversed several times, as if they have been paid more than once, then, some of these reversals were re-charged as new purchases, re-reversed then re-charged, all in the same statement period including items that I was unfamiliar with. Then, after calling Discover to clarify the information that was contained in these statements, additional copies of statements were sent to me but this time, I received statements for the old account during the disputed time periods when I was under the impression the account balance had just transferred over to the new account number and was deleted. This was now a third record in my possession with varying transaction histories. On XX/XX/XXXX I received notice that Discover had completed its investigation and concluded that no fraud had occurred which I disagree with. When calling to request more information, I was told that because I made payments online, it was not possible the account was misused. I made several reports that the website was acting suspicious, and requested information validating the websites legitimacy. I continually reported problems that I was having when printing my online statements. I reported receiving phishing emails and, I reported payments that I attempted online were never applied to my account. Because of these incidences, I can not comprehend how the use of the website could validate the decision to not complete a proper investigation. When searching one of the misapplied payments on my account, the item comes up on ten different occasions. The totals for these ten transactions result in a positive credit of {$1400.00} which would lead a person to suggest two {$700.00} payments were made, yet this amount was never deducted off the balance. Then, adding to my suspicions, two days after this payment was rejected, my card details show that my cash advance credit line availability was negative {$660.00}. Furthermore, my statement has a {$0.00} cash advance charge which was not included in the transaction history and a {$0.00} charge showing as a minimum interest fee and appears under the fee summary and not as an interest charge. Disappointingly, on XX/XX/XXXX, 6 days after the investigation was completed, I received notice that Discover closed my line of credit without a valid explanation. Throughout the months of XXXX, XXXX through XXXX, XXXX, myself and my mother whom is an authorized user on the account have made numerous calls to almost every department of Discover attempting to have someone explain to us the confusing statements, to ask why our account was closed as well as to ask why Discover failed to conduct an appropriate investigation. Each call has ended without a fair resolution and conveyed an unwillingness to explain the variations in the account histories. Lastly and perhaps most frustrating, on XX/XX/XXXX, Discover emailed me a revised letter disclosing that the prior letter sent to me regarding there decision to close my account was incomplete. Discover is now claiming there decision was based on my account having an unsatisfactory payment history. I am extremely upset that Discover is now trying to justify this as a valid reason to close my account especially, since the date of the first correspondence mailed to me, each of my monthly payments were sent in a timely and satisfactorily manner, with some months even paying double. This excuse comes off as a direct attack on my character by disclosing false information portraying that I failed to comply with the account procedures. This may be an attempt to hide the fact that my account was closed after I exercised my right to dispute. And, by doing so, Discover should be held responsible for conducting unfair, deceptive, and unlawful business affairs. Discover should also be held accountable for knowingly making false statements, possibly manipulating statements, applying unnecessary charges to my balance, and failing to provide a clear record of what I am being charged for. Lastly I would like for them to compensate me for the time myself and my mother have wasted trying to sort out this mess, and for damaging our credit worthiness. This account was the oldest account on my credit report and by closing it with an outstanding balance has caused my credit score to drop substantially.
10/04/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • VA
  • 22003
Web
XX/XX/XXXX, XXXX a letter from Discover Bank to XXXX XXXX thanking him for being a Discover Bank customer and confirming an address change on his account. He immediately contacted them and noted that he did not open any accounts with Discover Bank. We put a fraud alert on his account and they froze that account. Also received a notice that someone attempted to open a personal loan in his name with Discover Bank. He reported that as fraud as well. Discover Bank case number for our fraud claim is XXXX XX/XX/XXXX, XXXXPut a credit freeze on all three credit bureaus. Put fraud alerts in place. Was informed by Discover Bank that nothing was done with those accounts. XX/XX/XXXX, XXXXAlerted XXXX XXXX our bank account of the fraudulent accounts being opened in our name with another bank. At the time, we didnt see any odd transactions on our checking accounts with them. XX/XX/XXXX, XXXXTwo transfers for {$10000.00} each were made from XXXX and XXXX XXXX XXXX XXXX XXXX Checking account to two different Discover Bank accounts. ( Because we went away on vacation, these were not discovered until XXXX when we balanced our checking accounts. ) XX/XX/XXXX, XXXXReceived a letter from Discover Bank noting that accounts ending in XXXX, XXXX, and XXXX were opened without XXXX knowledge and these accounts would be closed. XX/XX/XXXX, XXXX to balance XXXX XXXX checking account for XXXX and XXXX. Discover the XXXX fraudulent $ XXXX transfers. Contact Discover Bank and contact XXXX XXXX. XX/XX/XXXXXXXX XXXXSigned and mailed to Discover Bank a Written Statement Identity Theft that lists the account numbers that were fraudulent. XXXX XXXX begins an investigation into our fraud claims. XX/XX/XXXX, XXXXSubmitted an Identity Theft Report to the FTC. Report number is XXXX. XX/XX/XXXX, XXXX XXXX provisionally transfers {$20000.00} + interest back into our checking account while the investigation proceeds. XX/XX/XXXX, XXXXSigned and sent a claim to XXXX XXXX Bank that stated the XXXX {$10000.00} transactions were not authorized. Case opened with claims investigator XXXX XXXX XXXX number is XXXX. XX/XX/XXXX, XXXXMet with XXXX XXXX bank at XXXX XXXX XXXX to open a new checking account since this information was stolen. Transferred money from XXXX Checking to Prime Checking. XX/XX/XXXX, XXXXContacted all credit card companies, utilities, XXXX, and mortgage to change e-bill payments to new checking account. XX/XX/XXXX, XXXXReceive notice from XXXX XXXX that they denied our fraud claim and that their investigation found these transactions were authorized. They are taking back the {$20000.00} provisionally given to us. Contacted Discover Bank, they are saying that XXXX XXXX needs to prove that it was fraud and there is nothing they can do until our bank proves it wasnt authorized. XX/XX/XXXX, XXXXSpoke to a claims manager at XXXX XXXX, they claim that Discover Bank will not release our funds back to our accounts because XXXX XXXX is still their client and those accounts are legitimate even though we had flagged them as fraud. Submitted another ID Theft Report to the FTC with the correct account numbers from Discover Bank, since we had used the transfer numbers previously. Discover Bank suggested we file a police report. XX/XX/XXXX, XXXXFiled a police report with XXXX XXXX Police XXXX system. XX/XX/XXXX, XXXXSpoke with Discover Bank. They said that fraud alerts had been put on the accounts. They gave us a claim number along with XXXX account numbers. We called XXXX XXXX and spoke to an agent who promised to expedite our issue and took all the information we gave them from XXXX XXXX. New claim number with XXXX XXXX assigned : XXXX. XX/XX/XXXX, XXXX XXXX from the Department XXXX XXXX contacts XXXX XXXX. We had filed a complaint with the XXXX because we were concerned that his information may have been stolen when he sent his passport in for renewal. It might be the case and they have opened an investigation into this. XX/XX/XXXX, XXXXReceived another letter from Discover Bank stating that there was an open investigation into the XXXX accounts that they had already stated were fraudulent. I signed another Written Statement of Identity theft and sent overnight this signed form along with documentation that Im including in this report : FTC identity theft claim, police report, and Discover Bank letters stating this was fraud. XX/XX/XXXX, XXXXSpoke with Discover Bank and they told us that XXXX XXXX needed to ask for a recall of funds. Spoke with XXXX XXXX Bank and they replied that they asked for the recall of funds, however, Discover Bank denied the recall, stating that the transaction was authorized by XXXX XXXX even though the accounts were flagged as fraudulent. XXXX XXXX is sending us evidence from their end of how this transaction was authorized. Discover Bank will not discuss evidence they have regarding the account authorization with us since they are not our accounts even though they are now holding our {$20000.00} and will not return the money nor will they give us proof of our own alleged authorization. Asked XXXX XXXX for documentation that XXXX XXXX approved the transaction. XXXX XXXX is sending the documentation they have which could take up to 30 days. Discover Bank refuses to send us their proof that they claim shows XXXX XXXX authorized the transfer of money from his legitimate checking account at XXXX XXXX to fraudulent ones at Discover Bank. Accounts that Discover Bank has admitted via a letter were fraudulent. Accounts that XXXX XXXX had signed a Written Statement of Identity Theft stating that those accounts were fraudulent and any transactions surrounding those accounts were fraudulent. Filed a complaint against Discover Bank with the FDIC : XXXX XXXX. We have done everything in our power to get our money back. We need help.
03/01/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • NV
  • 89110
Web
Discover Bank and it's affiliates ostensibly and according sworn declaration, on XX/XX/XXXX regarding attempted actions declared a male voice was heard. This barbarically insensitive & scurrilously sickening depiction and characterization of what this process server claims or thought they heard, is an outrageous violation of todays accepted sociological, legal, political and ideological standards of practice. Many transgender people suffer terrible discrimination from obtuse and small minded people who pigeon-hole them into compromising portrayals due to the sound, tone and/or inflection of their voices. Many are ostracized as outcasts because they have a male voice. Indeed, no one in todays world can make a statement such as a male voice was heard because there is no way to respectfully, correctly and irrefutably ascertain what gender someone is by the sound of a voice, particularly if they can not see, nor are in the presence of, the person that is being voice-labeled. The president issued an Executive Order prohibiting this type of behavior, in pertinent part : Executive Order on Preventing and Combating Discrimination on the Basis of Gender Identity or XXXX Orientation. XX/XX/XXXX Presidential Actions By the authority vested in me as President by the Constitution and the laws of the United States of America, it is hereby ordered as follows : Section 1. Policy. Every person should be treated with respect and dignity and should be able to live without fear, no matter who they are or whom they love. Children should be able to learn without worrying about whether they will be denied access to the restroom, the locker room, or school sports. Adults should be able to earn a living and pursue a vocation knowing that they will not be fired, demoted, or mistreated because of whom they go home to or because how they dress does not conform to sex-based stereotypes. People should be able to access healthcare and secure a roof over their heads without being subjected to XXXX discrimination. All persons should receive equal treatment under the law, no matter their gender identity or XXXX orientation. These principles are reflected in the Constitution, which promises equal protection of the laws. These principles are also enshrined in our Nations anti-XXXX laws, among them Title VII of the Civil Rights Act of 1964, as amended ( 42 U.S.C. 2000e et seq. ). In Bostock v. Clayton County, 590 U.S. __XXXX XXXX XXXX XXXX, the Supreme Court held that Title VIIs prohibition on XXXX because of... XXXX covers XXXX on the basis of gender identity and XXXX orientation. Under XXXX reasoning, laws that prohibit XXXX XXXX including Title IX of the Education Amendments of 1972, as amended ( 20 U.S.C. 1681 et seq. ), the Fair Housing Act, as amended ( 42 U.S.C. 3601 et seq. ), and section 412 of the Immigration and Nationality Act, as amended ( 8 U.S.C. 1522 ), along with their respective implementing regulations prohibit XXXX on the basis of gender identity or XXXX orientation, so long as the laws do not contain sufficient indications to the contrary. XXXX on the basis of gender identity or XXXX orientation manifests differently for different individuals, and it often overlaps with other forms of prohibited XXXX, including discrimination on the basis of race or XXXX. For example, XXXX XXXX XXXX face unconscionably high levels of workplace XXXX, homelessness, and violence, including fatal violence. It is the policy of my Administration to prevent and combat XXXX on the basis of gender identity or XXXX orientation, and to fully enforce Title VII and other laws that prohibit XXXX on the basis of gender identity or XXXX orientation. It is also the policy of my Administration to address overlapping forms of XXXX. Sec. 2. Enforcing Prohibitions on XXXX XXXX on the Basis of Gender Identity or XXXX Orientation. ( a ) The head of each agency shall, as soon as practicable and in consultation with the Attorney General, as appropriate, review all existing orders, regulations, guidance documents, policies, programs, or other agency actions XXXX agency actions ) that : ( i ) were promulgated or are administered by the agency under XXXX XXXX or any other statute or regulation that prohibits XXXX XXXX, including any that relate to the agencys own compliance with such statutes or regulations ; and XXXX ii ) are or XXXX be inconsistent with the policy set forth in section XXXX of this order. ( b XXXX The head of each agency shall, as soon as practicable and as appropriate and consistent with applicable law, including the Administrative Procedure Act ( 5 U.S.C. 551 et seq. ), consider whether to revise, suspend, or rescind such agency actions, or promulgate new agency actions, as necessary to fully implement statutes that prohibit XXXX XXXX and the policy set forth in section XXXX of this order. ( c XXXX The head of each agency shall, as soon as practicable, also consider whether there are additional actions that the agency should take to ensure that it is fully implementing the policy set forth in section XXXX of this order. If an agency takes an action described in this subsection or subsection XXXX b ) of this section, it shall seek to ensure that it is accounting for, and taking appropriate steps to combat, overlapping forms of XXXX, such as XXXX on the basis of race or XXXX. ( d ) Within 100 days of the date of this order, the head of each agency shall develop, in consultation with the Attorney General, as appropriate, a plan to carry out actions that the agency has identified pursuant to subsections ( b ) and ( c ) of this section, as appropriate and consistent with applicable law. JOSEPH R. BIDEN JR. THE WHITE HOUSE, XX/XX/XXXX. According to this president, lack of gender or transgender identity sensitivity conclusively contributes to extreme prejudicial bias.
08/12/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30134
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph XXXX XXXX XXXX, before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. DISCOVER FIN SVCS LLC bal. {$1300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX XXXX XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX XXXX XXXX XXXX items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/30/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11801
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the FACTA LAW : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( XXXX U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. DISCOVER BANK & {$14000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( XXXX ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
08/18/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • VA
  • 22312
Web
I will summarize the events in sequential order, and include a note when I am referring an attached document : -- XXXX. I purchased the Go Relax Day Spa XXXX on XX/XX/XXXX for {$57.00} with my Discover Credit Card, processed through XXXX ( XXXX ). The original purchase price was {$62.00}, but I had a {$5.00} coupon. Very shortly after, when I realized I accidentally ordered it for the wrong location, I requested a refund through XXXX 's self-service refund system. The refund was initiated, and this is when I thought it would end. -- XXXX. Months later when I checked XXXX again, I realized that the refund never actually went through. -- XXXX. On XX/XX/XXXX I followed up with Customer Support since I never received the refund, and was told by XXXX XXXX that I've verified that no charges were processed and removed the order from your account, but it was still on my account. I was then advised that from their perspective, the original charge of {$57.00} failed, and so they could not issue a refund. On XX/XX/XXXX, even after I provided documentation that the charge did indeed exist, XXXX told me that XXXX could not help me and I must contact my bank ( which I took to mean open a dispute ). He said " We can see that the order has failed in this case. Since this order has failed we do not have the option to offer you a refund in this case. Hence, I request you to please contact your bank for further clarification. '' The entire email chain including my responses is XXXX. -- XXXX. On XX/XX/XXXX, following instruction from XXXX themselves, I opened a dispute with my Discover credit card for the transaction of {$57.00}. -- XXXX. On XX/XX/XXXX, I received documentation indicating I lost the dispute ( dispute.pdf ). Upon reading the information that XXXX provided to Discover, they made numerous materially false ( and easily provably false ) claims to Discover. Among them were that I opened this dispute without contacting XXXX Customer Service first ( see dispute.pdf pg. XXXX ). As my documentation proves, I did contact Customer Service first, and they were not able to help me due to the previous explained reason that, for them, it didn't even seem like the {$57.00} transaction went through. Thus, not only did I contact XXXX Customer Support first before contacting my bank, it was actually XXXX who told me to open a dispute. XXXX also provided documentation to Discover purportedly showing my refund was already issued through " XXXX XXXX, '' but this is also not true, as no XXXX Bucks were ever credited to my account ( No_Groupon_Bucks.pdf ). -- XXXX. On XX/XX/XXXX and XX/XX/XXXX I placed calls to Discover Customer Support about how to proceed. I was advised by Discover both times that since XXXX provided documentation that they credited my account with XXXX XXXX, they could not re-open the dispute unless I went back to XXXX and got them to say, in writing, that I was actually not credited XXXX XXXX. They stated that me providing proof I was not credited XXXX XXXX would not be sufficient, it would need to come from XXXX. -- XXXX. Starting on XX/XX/XXXX and ending XX/XX/XXXX, I communicated with XXXX countless times, with the extremely simple request of them to just confirm I never received XXXX XXXX. I was essentially stonewalled and despite providing bank documents, XXXX did not even acknowledge that the {$57.00} transaction existed, the same thing they did months ago. They claimed that according to their system, the transaction failed to go through in the first place, thus there was nothing to refund. Refer to XXXX for one of their responses and my subsequent reply. I will spare you guys of their previous XXXX emails gaslighting me that the transaction didn't exist. Finally, we went back and forth until I was escalated to a higher-tier support who finally did acknowledge the transaction existed, but flatly refused to help because I already opened a dispute with Discover. When I pointed out that the dispute was already closed and I was simply asking for documentation to re-open the dispute, he continued that " Instead of resolving the issue with us, you should work with them [ the bank ] directly to discuss a resolution. '' See XXXX. It was already clear to me at this point that XXXX would not help. -- XXXX. As one final attempt to resolve this before contacting a third party, I placed a call to a Discover supervisor on XX/XX/XXXX. I stated that me contacting XXXX was not productive, and presented the fact that I can easily prove that XXXX provided false information to Discover in order to win the dispute. I requested that Discover re-open the dispute, as I believed that if we could get a chance to have XXXX simply check my XXXX Bucks balance it would easily prove I was never refunded. I also offered the other option of XXXX simply closing my XXXX account and refunding my credit card, then they don't even have to admit they were wrong about issuing XXXX Bucks. However, I was again informed that without more written communication with XXXX ( which I have already demonstrated, is impossible to get ), they would not reopen the dispute. -- -That brings us to today where I feel I have exhausted all options and must involve a third party. XXXX refuses to help me with any documentation, and Discover refuses to move forward without me receiving documentation from XXXX. I am seeking intervention from the CFPB to help mediate and resolve this ongoing issue. I believe that I have been subjected to inconsistent and potentially misleading practices by XXXX, and despite my best efforts to resolve the matter amicably and directly, I have been met with continuous obfuscation. I appreciate your attention to this matter and hope for a swift resolution. I would be happy to provide any more documentation that is requested.
12/21/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WA
  • 980XX
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. DISCOVER FINANCIAL SERVICES LLC & BAL. {$450.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
12/08/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30067
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. DISCOVER FINANCIAL SERVICES & BAL. {$1400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/30/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30328
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. DISCOVER FIN SVCS LLC & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
12/02/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07036
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. DISCOVER FINANCIAL SERVICE & {$720.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX Iowa XXXX
08/11/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 757XX
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX XXXX XXXX XXXX bal. {$1900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
11/09/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 350XX
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. DISCOVER FIN SVCS LLC bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
01/03/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10954
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. Discover Bank & XXXX. {$430.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
11/29/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10954
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXXXXXX, Consumer Financial Protection Bureau, and XXXX XXXXXXXX stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. DISCOVER FIN SVCS LLC & {$430.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/26/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 27612
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and XXXX XXXX XXXX XXXX, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( XXXX ), and FAIR and ACCURATE CREDIT TRANSACTION ACT oXXXX XXXX ( XXXX ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX XXXX XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act XXXX XXXX ( XXXX XXXX XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. DISCOVERBANK bal. {$5200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act XXXX, Section XXXX ( XXXX ) Block of information resulting from identity theft. XXXX. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items XXXX Notice to Furnishers XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/30/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75217
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. DISCOVERBANK bal. {$860.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/03/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19124
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. DISCOVERBANK & {$1700.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/01/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60502
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. DISCOVERBANK bal. {$360.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/29/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60502
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. DISCOVERBANK bal. {$360.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
03/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • UT
  • 841XX
Web
On XX/XX/XXXX, I received a text from discover asking if a suspicious {$14.00} charge was mine. I followed the instructions and texted back n for no. I received a confirmation text which said you have identified potential fraud. I assumed Discover locked my account after I confirmed the charge was fraud, and I did not receive any notification that my account was still open. The next notice I received from Discover was a text message on XX/XX/XXXX where the same {$14.00} charge was asked about again. I found this to be strange and texted " n '' for not my charge, Discover card again confirmed they received my message on identifying fraud. This was during an extremely busy time in my life, as I had finals and am currently in XXXX XXXX Discover did not email me, or leave any messages about my card still being open, and no actions being taken after fraud was identified. On XX/XX/XXXX, I logged into my Discover account and saw I had over several XXXX dollars of charges. I was shocked and called discover immediately. The lady I spoke with spoke with me very hastily. I went over 30 charges with her. I let her know some charges on prepayment were my charges, but the charges in person were not mine because my discover card was stolen. I was frozen out of my discover card account at the time, I could see the amount due, but it would not let me click to see the charges. I had to rely on the agent on the other end to relay the charges, and I told her the XXXX, XXXX, and dog food charges were mine because they were on automatic payment, but the other ones in person were fraud. She said she marked everything and then hung up. I was not convinced she marked everything we had discussed so I called another agent after that conversation. The other agent confirmed the previous lady did not mark everything that was fraudulent on my account, and as she read my charges it was clear the previous agent didn't even read all of the charges. We went over 50 charges with the next lady, the lady said I would get a temporary credit in 3 weeks, and then ended the call. At the end of the call, it was noted {$3400.00} were fraudulent charges. I did not receive my temporary credit until XX/XX/XXXX for the full amount, which took much longer than the promised 3 weeks. Between this time I spoke with 7 different agents. Each of these phone calls I went over which charges were mine, and which were fraud. This became extremely confusing because the agents were mistakingly marking my fraudulant charges as real charges, and my real charges as fraud. This resulted in me having to correct things several times. I distincly remember telling agents the XXXX charges were mine when for the third time they were marked as fraudulent charges. Once the temporary credit was given on XX/XX/XXXX, I thought the investigation team would do their due diligence and it would be resolved. I checked my account at the end of XXXX and saw I had a {$3100.00} balance back on my account. I was so confused and called Discover again. They said they completed the investigation and determined that {$3100.00} of charges were mine because the charges were done at places I had spent money before, and a XXXX charge was marked as fraud that had gotten traced back to my XXXX XXXX. I was absolutely flabbergasted. I had told the agents the XXXX was mine. I was certain of it. I had told them the XXXX XXXX, dog food, and everything on automatic payment was mine. I went through 7 agents and it was clear something had gotten marked wrong, or I may have mistakenly missed the charge they were reading as I had gone through this over 7 times. Instead of looking at the multitude of charges and coming to this conclusion, they automatically assumed I must have been lying about the other 50 charges as well. On my notes they also had said the reported fraud charges were mine because I had shopped at those stores before. My card was stolen close to my home, so of course it would be used in areas around. They did not check my spending history and see I had not frequented these areas in a long time. Some of the fraud spending they found were places I had never spent money before. Beyond this, there was nothing comparable to this level of spending pattern after XX/XX/XXXX in my whole credit history. After I told the agent this, he said I had not filed a police report. I told him nobody had told me to report anything. I have since filed a police report, XXXX XXXX is on my case, the report number is XXXX ( attached ). Discover has said I am responsible for these charges, but it was clear they did not try to do a thorough investigation. They did not even tell me to file a police report to aid the investigation until they had completed the investigation. They didnt check spending patterns, and did not mark the XXXX charge. Discover also did not freeze my card after I had reported fraudulant charges ( will attach this message ). If Discover had froze my card after I identified fraudulant charges the individuals who stole my card would have never been able to steal this much money. They want me to pay off this whole charge. I am attaching the police report, and the alert that was sent where I identified fraud twice. They have reopened my case on XX/XX/XXXX, I have alerted Discover of the police report number, but they have let me know I am responsible for this charge even though the investigation is reopened. I am a XXXX and can not afford this charge, I have NEVER missed one payment, and have fantastic credit. Even if I pay off this charge with borrowed family money, I still believe I should be reimbursed. I have never had an issue before this fraud. Please help me, I have lost faith in Discover as a company and would greatly appreciate assistance from the CFPB.
07/28/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33162
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. DISCOVERBANK bal. {$14000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
08/14/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • MD
  • 210XX
Web
To whom this may concern, I opened a Discover It card that requires a security deposit. I was ill-advised this is something I should do to establish credit when it was entirely unnecessary as my credit score was in good standing at the time of application with Discover on XX/XX/XXXX. It appears the account was closed yesterday after telling Discover almost daily over the phone to close it since Saturday, XX/XX/XXXX. On the XXXX, I was told the case was still pending so I said great, go ahead and deny it out and close it as I do not want the card and refund my {$2200.00} security deposit as quickly as humanly possible by crediting it back to my bank checking account. Here is what has happened since I made that request. I was told by two employees in the Arizona Office that we have to actually go ahead and finalize and approve your card before we can close it. I was baffled and told them why they cant just deny the application per my request. Neither gave me an answer. I was then told that I would receive an email that takes 24 hours to receive which sounded odd to me because every email Ive ever sent or received in my life happened instantly. Anyway, by mid day Monday the 24 hour email from Saturday had not arrived. Discover also did not provide me a case number or any other kind of communication that the case was closed. I was told on Saturday the XXXX that there are case notes here sir documenting everything. I was highly dissatisfied after a couple hours on the phone with both of them. On Monday, XXXX, I spoke to a Delaware Discover employee who was blatantly rude. She refused to transfer me to the correct department for a security deposit refund. She also claimed she couldnt send the 24 hour email but was putting a note in the system for someone to send another one to take 24 hours. She was adamant it was sent despite me telling her after confirming that they sent it to the correct email address that I had not received it. I spoke again with Discover on Tuesday and was told by an Ohio supervisor XXXX XXXX XXXX that she had sent another email while I was on the line to take 24 hours. I finally exploded on the phone and was completely irate yesterday and spent 2 hours and 45 minutes transferred to at least five different employees. The last employee had no answer and simply stated that emails can take 24 or 48 hours to receive. When I caught him changing the number of hours and how I still didnt have any email six days after starting all of this last Saturday he had no answer. Here is the present status of the case. I received a letter in the mail today that the case is closed. They sent me an approval letter yesterday with the card which I have cut up for security of course. That approval letter should never have been sent because not only did I want it closed the case was incomplete. I never provided necessary identity requested by Discover to XXXX. I never submitted my drivers license or income verification for the card that they requested to verify my identity. Discover had no answer for this when asked. I do not know or trust that Discover will refund all of my {$2200.00} security deposit. Credit cards come with a lot of fees and fine print. Nobody said they would charge me anything since the card was never activated let alone used. Their word on the phone does not mean anything. I am still receiving reminder emails from XXXX for the fourth consecutive day today so I unsubscribed today after telling them to stop as I did not go through with the card. If I receive one cent less than the full security deposit I want to know if this agency can help me and get involved in the matter. If I should also contact another agency such as a state attorney generals office in which Discover is headquartered, please let me know if that is the more appropriate action. Discover also has lied about refund dates for my security deposit. Last Saturday the XXXX I spoke to in Arizona ( who I have come to find out dont even process those returns- they occur through the Ohio office ) said I would get it by this Tuesday or Wednesday ( the XXXX or XXXX ). I am now forecasted to receive it XX/XX/XXXX which they are calling expedited service and a favor to me. They are also sending the check out to my house and not returning it directly to my checking account- which was the manner in which it was withdrawn. The check will also come through the Postal Service despite my pleading for it to come through a carrier like XXXX or XXXX. However, if a person uses this card and gets their deposit returned after 6 months of good use, they allow the customer to receive the deposit back in the manner the customer prefers. This does not seem appropriate granted how shady Discover was in pushing through this card to me when the case was incomplete and I also requested denial/closure when it was still pending and they could have readily done that by simply pushing a button. At the moment I have about 6-8 hours invested and hope I will receive full repayment of my {$2200.00} security deposit. I know it may seem that I am filing a complaint too soon as the XXXX has not arrived yet but I do not want to wait as Discover has committed several unethical or illegal practices to warrant me writing this in my mind. They should not be giving ordinary Americans this kind of treatment, especially when they are one of the largest corporations in the US and I have done absolutely nothing wrong on my part. Thank you so much for your time in reading this. Hopefully I will receive full payment no later than the XXXX of XXXX as promised by Discover and will not need to contact this agency any further. If you have any questions, please dont hesitate to contact me. Respectfully, XXXX XXXX
10/13/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 489XX
Web
AS RESULT OF ME IS SERVING MY RIGHT AS A CONSUMER MY ACCOUNT WAS CLOSED WITH NO EXPLANATION GIVEN DOWN BELOW IS THE CORRESPONDENCE THAT WAS THE INITIAL CORRESPONDENCE THAT CAUSED MY ACCOUNT TO BE CLOSED DAMAGING ME. Please note that all these correspondents will be used against you if a legal actions need to be taken Per my contract as the debt, with Discover XXXX XXXX XXXX, XXXX XXXX, IL XXXX, I am now asserting my rights pursuant to 16 CFR 433.1 - 433.3 On XX/XX/XXXX mail was sent then followed with a call a week later to Discover to have an Offset of cardholders indebtedness by issuer of credit card with funds deposited with issuer by cardholder and was denied. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 16 CFR433.1 ( b ) consumer or natural person who acquires goods for personal, family or household use. 16 CFR433.2 ( h ) credit card issuer the person who extends rights for card holder to use credit card with connection to purchases of goods or services. I identify as the consumer and I was seeking goods for services for my personal family or household use. 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I provided discover the numbers off of my social security card 15 USC 1602 ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. 15 USC 1692 ( d ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. By Discover deny me something that I the consumer by federal law and entitled to 15 USC 1602 ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. The instrument 15 USC 1605 I submitted was an extension of credit from the consumer to the creditor not a gift. 1 The finance charge should have been the sum of all charges 15 USC 1605 ( a ). 2 the entire credit sell and or finance was finished at the signing of the issue. 3 I would like 15 U.S. Code 1666h - Offset of cardholders indebtedness by issuer of credit card with funds deposited with issuer by cardholder ; remedies of creditors under State law not affected ( a ) Offset against consumers funds A card issuer may not take any action to offset a cardholders indebtedness arising in connection with a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer unless ( 1 ) such action was previously authorized in writing by the cardholder in accordance with a credit plan whereby the cardholder agrees periodically to pay debts incurred in his open end credit account by permitting the card issuer periodically to deduct all or a portion of such debt from the cardholders deposit account, and ( 2 ) such action with respect to any outstanding disputed amount not be taken by the card issuer upon request of the cardholder. In the case of any credit card account in existence on the effective date of this section, the previous written authorization referred to in clause ( 1 ) shall not be required until the date ( after such effective date ) when such account is renewed, but in no case later than one year after such effective date. Such written authorization shall be deemed to exist if the card issuer has previously notified the cardholder that the use of his credit card account will subject any funds which the card issuer holds in deposit accounts of such cardholder to offset against any amounts due and payable on his credit card account which have not been paid in accordance with the terms of the agreement between the card issuer and the cardholder. ( b ) Attachments and levies This section does not alter or affect the right under State law of a card issuer to attach or otherwise levy upon funds of a cardholder held on deposit with the card issuer if that remedy is constitutionally available to creditors generally. I XXXX XXXX the consumer ( certify under penalty of perjury under the laws of The United States of America in the nature of [ 28 U.S.C. 1746 ( 1 ) ], that I have read the foregoing request for information and know the contents thereof, and that the information listed above is true, correct and complete. REQUEST EXECUTED this XXXX, day of the month XX/XX/XXXX Respectfully submitted, For/by : XXXX XXXX Authorized Representative All Rights Reserved, Without Prejudice U.C.C. , 1-308, Without Recourse
06/15/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NJ
  • 085XX
Web
Hi Discover card representative XXXX told me on XX/XX/XXXX that Discover sided with me in the dispute. I also heard this from XXXX, and XXXX with Discover. Then on XX/XX/XXXX, I placed a phone call to discover card again because their website indicated the dispute was overturned and now in XXXX/XXXX favor. The agent named XXXX, stated to me verbatim Ive looked through the documentation provided by XXXX and it doesnt fully resolve our concerns, which led to her re-opening the dispute and Discover crediting {$2800.00} to my card. Finally. On Thursday XX/XX/XXXX, the charges were once again placed back on the card in the amount of {$2800.00}. I called Discover and spoke with XXXX, who couldnt tell me what additional documentation Discover received to change their decision. She promised that a supervisor would call me and unfortunately, one never did. Then on Saturday XX/XX/XXXX, I spoke with XXXX at Discover. What was extremely concerning to me was the fact that she said her notes read that a supervisor tried to contact you on Friday. I asked what time? She didnt know. I asked what was their name? She didnt know ( I received NO calls whatsoever from discover or emails ). Then XXXX promised me a supervisor call, which never happened. Discover has joined merchant XXXX/XXXX in stonewalling and failing to follow through on their promises. Per FCBA settlement rules, this is a case of : -charges for goods and services you didn't accept or that weren't delivered as agreed ; -charges for which you ask for an explanation or written proof of purchase, along with a claimed error or request for clarification. To sum up in more detail the travel package and issues, this note was sent to multiple people at XXXX XXXX XXXX : XXXX ( an XXXX XXXX XXXX company located at XXXX XXXX XXXX. XXXX XXXX, PA XXXX ) promised to cancel my trip ( along with my girlfriend ) for a refund. The representative who made this promise over the phone is named XXXX XXXX, and he did so on XX/XX/XXXX. XXXX is impossible to get ahold of via phone ( 5 hour wait times ) and their general XXXX email inbox ignores me. One sales rep : XXXX XXXX XXXX ( XXXX ) will answer emails with a XXXX, ignoring my requests for cancellation and denying that he or anyone else with the company ( Phone reps XXXX XXXX and XXXX XXXX both promised cancellation and full refund via phone ) made those promises. The company is stonewalling, and arent reachable. The trip was XX/XX/XXXX to XX/XX/XXXX. Airfare on XXXX from XXXX to XXXX. Stay at XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX, with transportation to and from XXXX to the resort. Total trip charge was {$3100.00} ( {$2800.00} for the trip itself ) which they are refusing to refund as promised. They tell me to I need to cancel the trip to try and use any trip insurance, but to cancel the trip, you need to do so over the telephone. They finally cancelled the trip at XXXX XXXX ET on XX/XX/XXXX, just before both : 1. the state of NJ issued a stay at home order. 2. the US State Department issues a Level 4 DO NOT TRAVEL advisor on XX/XX/XXXX 3. the US DHS closed the US/XXXX border to all non-essential travel at XXXX XXXX on XX/XX/XXXX. Also, XXXX XXXX canceled flight # XXXX from XXXX to XXXX on XX/XX/XXXX. Finally, the resort ( XXXX XXXX XXXX XXXX ) closed on XX/XX/XXXX. Trip booked XX/XX/XXXX online, I was first advised trip was fully refundable by XXXX XXXX on XX/XX/XXXX via phone, again told the trip could be canceled and refunded on XX/XX/XXXX by XXXX XXXX ( in a " call back '' request from XXXX ). I was also told in writing by XXXX XXXX XXXX on XX/XX/XXXX that the trip was able to be canceled for {$50.00} per person ( {$100.00} total ) fee, but the company has since waived all cancel fees, they changed their policies that same day ( XX/XX/XXXX ). I have attempted to call the company on XXXX XX/XX/XXXX and was quoted a hold time of 439 minutes, XX/XX/XXXX led to a hold time of 4 hours and 44 minutes ( screenshot attached ) to speak with someone for the refund promised to me by XXXX XXXX XXXX on XX/XX/XXXX I left voicemails ( unreturned ) to both XXXX XXXX XXXX and XXXX after being quoted a hold time of 294 minutes, in the morning of XX/XX/XXXX the hold time was 347 minutes, that evening it was 385 minutes ( and another voicemail was left for XXXX XXXX XXXX at extension XXXX at XXXX XXXX ), XX/XX/XXXX showed a hold time of 377 minutes, XX/XX/XXXX had a hold time of 405 minutes, and the morning of XX/XX/XXXX estimated a hold time of 155 minutes ( phone call dropped prior to that time being met ). On XX/XX/XXXX, I spoke with sales representative XXXX XXXX by calling and selection option 2 for sales. He said his supervisor was named XXXX XXXX and that neither of them would or could cancel the reservation for any reason. Additionally, we got a hold of the sales department in 55 seconds, where wait times to get customer service were 6.5 hours per the same sales rep ( XXXX XXXX ). We are now faced with losing over {$2800.00} as a result of XXXX 's refusal to honor their word. The company has ignored a PA AG arbitration attempt, and tells Discover non refundable despite telling me it is refundable multiple times. Thank you so much for your time and assistance in making this right. The reason a dispute was initiated with Discover is because the merchant failed to honor their word, failed to deliver on promises and failed to provide goods and services paid for. The flight on the purchase travel package was cancelled by air traffic control per XXXX XXXX. The resort : XXXX XXXX XXXX, shut its doors on XX/XX/XXXX. They would have refunded me had I not dealt via XXXX, there is no reason for them to keep my money. Sincerely, XXXX XXXX
07/21/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 11423
Web
- XX/XX/ 2020 : I made a transaction on XXXX XXXX Transaction ID : XXXX ) using my Discover business credit card for TS Duplications. XXXX XXXX 2020 : I reported to XXXX that I was not delivered the services promised by XX/XX/XXXX. XXXX did not resolve the dispute fairly so I took it to Discover. The dispute and the dispute is still open. -XX/XX/XXXX 2020 : I filed a dispute with Discover ( Dispute # XXXX ) against a transaction amounting to {$1100.00} that was made onXX/XX/XXXX with merchant name XX/XX/XXXX. The transaction was reverted as Discover disputed it with XXXX. -XX/XX/XXXX XXXX 2020 : XXXX emailed me stating that I had reported unauthorized activity on my Discover card. It was wrong I never did it. Anyway, I provided the details they wanted and they were same/unchanged and the query was satisfied/rectified. There was no basis of me applying for any such claim. In the meantime they reopened the dispute withXX/XX/XXXX and it is still open as I write this. XXXX XXXX 2020 : Discover rejected my dispute without mentioning the reason on the documents sent to me. Stating that based on the documents provided by the merchant my dispute was denied. The letter is attached. XXXX XXXX 2020 : I saw the same transaction amounting to {$1100.00} reverted and I called Discover dispute department where I spoke to XXXX and he told me that according to the merchant it takes 6 months for me to get the revenue from my marketing activity- upon which I told him that 6 months are over. He told me to upload the related documents on my Discover 's online dispute section which I did aptly ( on XX/XX/2020 ) along a letter specifying the details.This is the call data : XX/XX/XXXX2020,XX/XX/XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX 13 Min. I asked him why I haven't received any letter, email or notification of this reversal to which he said that I have already been sent a letter. I told him I have never received any such letter by mail or email. - XX/XX/ 2020 : I receive two letters. One dated XX/XX/2020 stating the reversal of the disputed transaction. The second letter responded to my rebuttal and it said the same thing without specifying any reason. It means that their claim of pending royalties and my response to prove that it was wrong was either baseless or was an effort to mislead me and/or this case dispute. The supporting documents attached also include XXXX 's rebuttal in which they stated that this transaction was not unauthorized- I never disputed that it was unauthorized. It was plain and simple I paid through my credit card as a protection that in case I was not delivered the services. I will have a credit shield to protect my fraudulent financial merchant 's such as XX/XX/XXXX - XXXX XXXX 2020 : I called Discover helpline again and spoke with XXXX at the dispute department. I called at XXXX pm EST and spoke with her for 15 minutes. Over these 15 minutes- her entire conversation was filled with inconsistencies : >XX/XX/XXXX informed me that my case has been closed although it shows open both on Discover and XXXX online platforms. I have screenshots as evidence. >Additionally upon asking what was the reason of this closure as Discover had not specified it on the letters sent to me. She first asked me what the dispute was about and I told her that I did not receive the royalty according to agreement I had with XX/XX/XXXX. And that I have uploaded the documents requested by XXXX earlier. >To which she responded that Discover doesn't deal in royalty claims. I said I am not asking you to pay my royalty. I am just asking that the transaction that I made should be refused as I am not satisfied with the service that XX/XX/XXXX delivered. I made a transaction in good faith and against which I did not receive the service. >When she couldn't respond to royalty as the reason of rejection. She said according documents provided by the merchant- the agreement says I couldn't file a refund. I mentioned that I have not received the service for which I paid. I am the owner of this Discover credit line- I paid for this transaction. I am not satisfied and I am feeling forced to accept the service and pay for it through Discover because my bank is favoring the merchant and abusing my credit line without my authority and satisfaction. >The refund clause is only for orders in progress. Once the order is completed and if they couldn't deliver what they promised- they are legally liable to not charge me for the services that are not availed. This is outright unethical and illegal to force me to pay for something that is promised at a later date. And if I was not delivered what I paid for- I have no reason to be forced by Discover to pay for it. Just because they think they have to power to violate my consumer credit rights. >I told her how can she say that Discover is acknowledging the claim of the merchant for same royalty and deny my documents which are directly and rightfully addressing the claim and its plausibility. > I told her that I was recording this conversation and I will report this violation to CFPB. To which she responded I can do whatever I want and that I will still have to pay for something that I did not avail. My credit line has nothing to do with protection or coverage against misuse for this transaction. >Last but not least on XXXX XXXX 2020 XXXX reversed two transaction each amounting {$240.00} fromXX/XX/XXXX XX/XX/XXXX. It had the same claim and dispute. Why in that case I was right and in this case I was wrong. Why Discover is supposed to decide the policy of consumer credit rights and they feel free to agree and reject based on legal parameters or liability.
05/06/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NE
  • 685XX
Web
In XX/XX/XXXX ; consumer received a Discover Cancellation of Debt ( IRS ) form XXXX verifying the decision from Discover to discontinue collection of a time-barred credit card closed on XX/XX/XXXX. Box ( G ) was checked on Discover IRS form XXXX Identifiable event Code : ( G ) constitutes : - Decision or policy to discontinue collection. As a courtesy, consumer sent Discover a copy of a letter from the IRS verifying insolvency and acknowledgment of Cancellation of Debt as well. Instead of accepting the gesture and discontinuing correspondence with consumer, Discover sent consumer a letter stating that Discover had taken the liberty of notifying all 3 credit reporting entities ( XXXX, XXXX and XXXX ) of a dispute regarding consumers Discover card ending in XXXX. This gesture on the part of Discover constitutes false reporting and a violation of the Fair Credit Reporting Act ( FCRA ) which is governed under the Fair Debt Collection Practices Act ( FDCPA ) with the Federal Trades Commission ( FTC ). Notifying the credit reporting entities of a false dispute re-ages a debt and opens consumer up to debt collection scrutiny that creates undue harm, duress and will result in monetary damages from Discover. On XX/XX/XXXX ; consumer filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) ( # : XXXX ) regarding the violation of the Fair Credit Reporting Act ( FCRA ) levied by representatives of Discover Card. All communication regarding the complaint is to be routed through the Consumer Financial Protection Bureau ( CFPB ) portal. At no time is consumer interested in one on one communication ( or correspondence ) with Discover representatives regarding this matter as previous written correspondence attempts ( XX/XX/XXXX letter ) have failed. On XX/XX/XXXX ; consumer received an email from XXXX XXXX, Executive Office of Customer Advocacy ( with Discover ) that was sent to consumers private email domain outside the confines of the Consumer Financial Protection Bureau ( CFPB ) complaint process. At no time, did consumer give XXXX XXXX permission to access consumers personal/private email regardless of it being included in the complaint information. At no time, did consumer indicate consumer was interested ( or willing ) to communicate with XXXX XXXX XXXX outside the confines of the CFPB complaint portal. XXXX XXXX adopted her own agenda and took the liberty of contacting consumers private email domain without prior authorization permission or knowledge from consumer. XXXX XXXX attempt to side-step the confines of the CFPB complaint portal and interfere with consumers right to due process is a violation of law. XXXX XXXX attempt to steer the investigative process away from the jurisdiction of a governmental agency assigned to protect the rights of consumers who wish to pursue equal justice is incomprehensible. XXXX XXXX actions are indicative of unauthorized access of consumers electronic mail which constitutes invasion of privacy and is a federal crime. At no time, is it acceptable to misrepresent intentions or mislead a consumer away from the protected services ( and portals ) of a governmental entity designed to mediate, document and resolve disputed issues of validity. The purpose of informing the CFPB of this discrepancy on the part of Discover is to provide evidence to a Federal Court judge if Discover chooses to continue steering the investigative process of the CFPB ; and deny consumer due process of law. Consumer is merely asking for an adjustment to consumers credit report ( all ( 3 ) credit reporting entities ) by removing a dispute notification that Discover falsely reported in the first place. Consumers request is a viable request and a minor adjustment for Discover. If Discover would rather end up in the courtroom of a federal judge explaining how this matter could have been resolved amicably ( and with little effort ) rather than waste his/her valuable time, then so be it! Consumer will pursue consumers rights to the fullest extent of the law. Consumer thanks CFPB for providing this venue of mediation and documentation. It is greatly appreciated! Attached email from XXXX XXXX, Executive Office of Customer Advocacy Discover. XXXX XXXX was not authorized to contact consumer via consumers personal electronic mail. Executive Office of Discover Financial Services XXXX Subject : Your inquiry to Discover Date : XX/XX/XXXX XXXX XXXX To : XXXX Dear XXXX XXXX XXXX, Thank you for your recent correspondence to the Consumer Financial Protection Bureau. To ensure the concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within Discover. I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. If you have any questions or would like to provide additional information, please feel free to contact me at ( XXXX ) XXXX. I am typically available weekdays from XXXXXXXX XXXX to XXXXXXXX XXXX, ET. Sincerely, XXXX XXXX Executive Office of Customer Advocacy Discover Protection under the United States constitution The Fourth Amendment to the United States Constitution provides that [ T ] he right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated. This Amendment guarantees the privacy, dignity, and security of persons against certain arbitrary and invasive acts by officers of the government or those acting at their direction. The Fourth Amendment is often invoked to protect individual privacy rights against government activities.
04/30/2022 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • TX
  • 75039
Web
The said response to my original CFPB Complaint XXXX dated XX/XX/2022 by XXXX XXXX of the Executive Office of Customer Concerns . Is evidence of Discover Banks Deceptive Acts and Practices and violations of other federal laws. An act or practice may be found to be deceptive if there is a representation, omission, or practice that misleads or is likely to mislead the consumer. In my initial complaint I requested that Discover Bank produce a copy of the indorsement on the Loan Application and Promissory Note. XXXX XXXX willfully omitted the requested information. The disclosure of this omitted information is necessary to prevent the consumer from being misled. Discover Bank knew or should have known that the consumer needed the omitted information to evaluate the product or service. This is evidence of a deceptive omission and practice by XXXX XXXX and Discover Bank. The said indorsement would show evidence of the Loan Application and Promissory Note being deposited as an asset on Discover Banks books and the matching liability owed to me by Discover Bank would be the funds that were paid to the XXXX XXXX XXXX XXXX at XXXX on my behalf. Discover Bank is required to adhere to Generally Accepted Accounting Principles ( GAAP ). GAAP follows an accounting convention that lies at the heart of the double entry bookkeeping system called the Matching Principle. The principle works as follows : when Discover Bank accepts Promissory Notes from Consumers and deposits the Promissory Notes as assets, they must record the offsetting Liabilities that match the assets that it accepted from the Consumers. The liabilities represent the amount that Discover Bank owes the Consumer. In a fractional reserve banking system like the United States banking system Discover Bank would never loan borrowers money from any of their own deposits they would instead Extend Credit by means of a bookkeeping entry to the borrowers transaction account. This is evidence of Discover Bank offering to provide a product or service Private Student Loan that is not in fact available, which is a misleading deceptive practice. The fact that Discover Bank advertises and markets to Consumers a Private Student Loan which is actually a product or service that is not in fact available because Banks do not actually pay out loans from the money they receive from deposits, this is a deceptive material representation ultimately causing substantial injury to consumers in the form of Monetary harm for the cost and fees paid by consumers as the result of the deceptive practice. This is also evidence of Discover Bank making material claims with the knowledge that they are false. Acts or practices that are unfair or deceptive within the meaning of section 5 of the FTC Act may also violate other federal or state statutes, such as consumer protection and fair lending laws. Discover Bank should be mindful of both possibilities. The following laws warrant particular attention in this regard. Pursuant to the Truth in Lending Act ( TILA ), creditors must clearly and conspicuously disclose the costs and terms of credit. The Truth in Savings Act ( TISA ) requires depository institutions to provide interest and fee disclosures for deposit accounts so that consumers can compare deposit products. TISA also provides that advertisements must not be misleading or inaccurate and must not misrepresent an institutions deposit contracts. Again, I reiterate the fact that I XXXX XXXX the consumer needs the omitted information ( Indorsement of the Loan Application and Promissory Note ) in order to evaluate the product or service. Failure to provide the Consumer this information is further evidence and confirmation of Discover Banks Deceptive Acts and Practices. It is professional misconduct for a lawyer to : A. violate or attempt to violate the Rules of Professional Conduct, knowingly assist or induce another to do so, or do so through the acts of another ; B. commit a criminal act that reflects adversely on the lawyer 's honesty, trustworthiness or fitness as a lawyer in other respects ; C. engage in conduct involving dishonesty, fraud, deceit or misrepresentation ; D. engage in conduct that is prejudicial to the administration of justice ; E. state or imply an ability to influence improperly a government agency or official or to achieve results by means that violate the Rules of Professional Conduct or other law ; F. knowingly assist a judge or judicial officer in conduct that is a violation of applicable rules of judicial conduct or other law ; or G. engage in conduct that the lawyer knows or reasonably should know is harassment or discrimination on the basis of race, sex, religion, national origin, ethnicity, disability, age, sexual orientation, gender identity, marital status or socioeconomic status in conduct related to the practice of law. This paragraph does not limit the ability of a lawyer to accept, decline or withdraw from a representation in accordance with Rule 1.16. This paragraph does not preclude legitimate advice or advocacy consistent with these Rules. The holding of any person to service or labor under the system known as peonage is abolished and forever prohibited in any Territory or State of the United States ; and all acts, laws, resolutions, orders, regulations, or usages of any Territory or State, which have heretofore established, maintained, or enforced, or by virtue of which any attempt shall hereafter be made to establish, maintain, or enforce, directly or indirectly, the voluntary or involuntary service or labor of any persons as peons, in liquidation of any debt or obligation, or otherwise, are declared null and void.
10/10/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30038
Web
On XX/XX/2019, I hired a XXXX XXXX company to remove a flying squirrel from my attic. The company was supposed to seal all entry points, retain the animal, place gutter guards to insure no re-entry was possible and lastly remove the contiminated insulation and replace it with new insulation. On XX/XX/XXXX, the animal had not been detained and the company started placing gutter guards damaging my gutters and my roof. I ultimately fired XXXX XXXX due to damages to my house. I then had to to hire another company, XXXX XXXX, to come in and do the work. XXXX XXXX, came, sealed the entry points, detained the animal, and started the insulation process. I was then billed by XXXX XXXX for {$3600.00}. I used my Discover Card and paid for the services in full, upfront. I disputed the fraudulent charges with Discover 3 times. I sent them pictures of the damages and Discover would not listen. Discover then sent me a letter stating the company was willing to decrease the bill {$790.00}. I continued to explain that the company failed to do as they had promised and damaged my house. I explained that the work was not done by XXXX XXXX but by XXXX XXXXXXXX and offered to send them a copy of the work orders received and paid to XXXX XXXX. Discover replied that they were trying to be fair to the Merchant and because they had shown written documentation ( fraudulent ) of the work being done by them they were entitled to be paid. They also stated that they would not accept 3rd party documentation ( an explanation and bill from XXXX XXXX ). They said the only way the charges would be reversed was if I got a letter from XXXX XXXX stating that they owed me money and didnt do the work. I have since cancelled my account with Discover, am in the process of filing a complaint with the XXXX XXXX XXXX, and a lawsuit against XXXX XXXX for fraudulent practices for not only is Discover billing me for their fraudulent services, XXXX XXXX is billing me for the fraudulent services, added on late fees, cancelation fees, and has reported me to a collection agency. Below is a summary of my experience with XXXX XXXX. ******I hired XXXX XXXX Removal to assist with a problem that I had in my attic. The company sent a representative out on XX/XX/2019 and it was deemed that I had flying squirrels. The company was supposed to trap the rodent, close the holes, remove the current installation, replace it with new installation, and place gutter guards. A contract was signed and paid in full via a Discover card. From XX/XX/2019 to the date that I had terminated the contract on XX/XX/XXXX. The following is a recap of my interaction with this company : 1. Unprofessionalism of the customer service representative. - Arguing with a customer about the wrong doing 's of a previous employee 's performance is unprofessional. Trying to explain that the poor performance displayed is as a result of former employee is unacceptable practices. In truth the original assessor ( XXXX ) exhibited the best work performance. - Agreed upon dates for work to be performed and completed not met. - Continued conversations about dates that are not available for the work to be performed and yet the work is scheduled on the times convenient for the office and the scheduler and not the customer. 2. Multiple conversations r/t arrival dates and times. Yet the service men showed to the residence with out knowledge that the appointment had been cancelled ( XX/XX/XXXX ). - On XX/XX/XXXX - Agreed the appointment was supposed to start between XXXX XXXX and when called to confirm a 2nd time the work was slated for XXXX and still one service man showed 1 hour after the other and the work still had not been completed. -The work that was performed was done on XX/XX/XXXX was poorly done. The gutters are pieced together and uneven. 3. The mouse traps places were only assessed twice since they were placed. 4. With each day of service wasted, I lose a days pay. To date, the original assessment date of XX/XX/XXXX was cancelled and rescheduled because of a conflict to XX/XX/XXXX. The work began on XX/XX/XXXX and needed to be continued. The service man showed on XX/XX/XXXX to complete the work but the weather was rainy, the ground was wet and unsafe and the area was too dangerous. I was okay with this rescheduled appointment. XX/XX/XXXX a service man shows only to find out that the work had been rescheduled and his assistant was sent to another job. On XX/XX/XXXX the appointment time for XXXX was scheduled for XXXX. The XXXX service man showed and the 2nd 1 hour later. After leaving and returning home I found the work to be incomplete and poorly/incorrectly done. The gutters were uneven and the nails sticking out. This is unacceptable. Thus, with great disgust and disappointment in this experience. I would again like my monies refunded, the work ceased immediately, and the materials returned to your company. I did get a return call from the owner demanding that I pay him. Again, I reached out to Discover and on many other occasions regarding these fraudulent charges and they refuse to listen stating they don't take invoices from 3rd parties. They reiterated that they believe this company has completed the work based on a fraudulent invoice they generated stating the work was completed. XXXX XXXX has contacted me numerous times trying to get me to pay even though Discover has already paid them. Discover should have not paid them because I reported it as fraud and I am not being double billed. I am in the process of reporting the company to the XXXX XXXX XXXX as well as I am pursuing legal action.
02/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • NJ
  • 076XX
Web
My name is XXXX XXXX. Discover card number XXXX. On XX/XX/2023, I received an email from Discover ( see attached ) : On XX/XX/2023 your automatic payment will be processed from your bank account ending in XXXX. On XX/XX/2023, I received an email from Discover ( see attached ) : Your payment of {$45.00} posted to your account on XX/XX/2023. On XX/XX/2023, I received an email from Discover ( see attached ) : Thank you for your interest in the DirectPay Program, one of the most convenient ways to pay your Discover card bill. Your financial institution recently informed us that either an invalid account number was provided or the account is closed. In either case, we are unable to process your scheduled payments and your enrollment in DirectPay has been canceled. Please refer to your monthly statement to determine the payment due date going forward. It should be noted that no change has been made on my side, between XX/XX/2023 and XX/XX/2023. On XX/XX/2023, I received an email from Discover ( see attached ) : A payment ( s ) was recently made to your Discover Card account using a bank account ending in XXXX which returned unpaid. Due to the return ( s ), the bank account noted above will be restricted from setting up payments for any Discover accounts until you contact the bank holding the account noted above to resolve this issue. Once resolved, you will need to contact us if you would like to continue to utilize this bank account. Any payments scheduled for a future date using the bank account ending in XXXX have been canceled. Since any future payments leveraging this bank account have been canceled, please be sure to pay at least the minimum amount due, reflected on your monthly statement. Once you have resolved any issue with the bank holding the account referenced above please call us at XXXX ( XXXX ). On XX/XX/2023, I forwarded Discover email from XX/XX/2023 to my BankXXXX XXXX XXXX ( see attached ). On XX/XX/2023, I received an email from XXXX XXXX ( see attached ) : Thank you for reaching out. Im sorry to hear about the trouble youre having with your autopayment. However, I just checked your account and looks like you have sufficient funds and the account is active. Not sure why it was returned. I do see two ACH debits on XXXX, meaning the account is active and processes payments. You might want to reach out to Discover and see exactly what went wrong. On XX/XX/2023, I set up a new online payment using the same account and received an email from Discover ( see attached ) : XXXX XXXX, thank you for adding bank accounts for online payments. As requested, the following bank account ( s ) have been added for online payments to your Discover card ending in XXXX : XXXX XXXX XXXX account ending in XXXX. On XX/XX/2023, I posted manual payment for the full outstanding balance and I received an email from Discover ( see attached ) : XXXX XXXX, your online Discover card payment is scheduled. Here 's the info we'll be using for your payment. On XX/XX/2023, I activated auto payment and received an email from Discover ( see attached ) : XXXX XXXX, you're signed up for automatic payments through DirectPay. Now that you're signed up, you'll automatically pay your Discover card account ending in XXXX. Please review this information to make sure we're all set. On XX/XX/2023, I received an email from Discover ( see attached ) : You're making automatic payments. On XX/XX/2023 your automatic payment will be processed from your bank account ending in XXXX. On XX/XX/2023, I received red flag notices and significant credit score reductions from all credit bureaus in the country, stating that on XX/XX/2023, Discover reported a 30 day delinquent to my account. On XX/XX/2023 Immediately after receiving the devastating news, I submitted a new payment ( see attached ) online. I also reached out to Discover customer service who were extremely unhelpful and couldnt get access to all the above records. Both account manager and supervisor couldnt find an explanation why the scheduled payment set for XX/XX/2023 nor the auto payment scheduled for XX/XX/2023 as evidenced above didnt come through. They also confirmed that the new payment I submitted on XX/XX/2023 will go through within few days. On XX/XX/2023 I went online, and was surprised to see that XX/XX/2023 payment disappeared from the online system. I immediately posted another payment and received another confirmation email from Discover ( see attached ). I also called customer service. Account manager couldnt see XX/XX/2023 payment in the system. She said that XX/XX/2023 came through, supervisor confirmed it was not true! This time the supervisor admitted that XX/XX/2023, XX/XX/2023, XX/XX/2023 were deleted by the system. Deleted not declined!!! She tried to explain there is some hold on my account that probably causes this default. She cancelled all open payments and autopayments so I can pay the open balance using my debit card ( confirmation number XXXX ), an option that was never offered to me before. Now, more 12 hours after a successful debit card payment, the balance remains open on Discover mobile app. During all this time I never received another notification from Discover stating that my payments are or will be declined. I only received positive emails confirming upcoming payments and couldnt suspect their system will just delete them without notifying me. And why would I suspect knowing that I pay thousands of dollars each month for my major credit cards using the same account? XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX
04/12/2023 Yes
  • Checking or savings account
  • Savings account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NY
  • 11803
Web
I am writing to report a fraudulent wire transfer that occurred on my Discover online bank account. On XX/XX/2023, at XXXXXXXX XXXX, I received a call from an individual identified himself to be a Discover fraud prevention specialist. The caller ID displayed the Discover Bank number ( XXXX ), and I believed the caller was legitimately from Discover. The caller informed me that my account may have been compromised and offered to assist in stopping any fraudulent activity, including debit card transactions and wire transfer, if I could confirm that these activities were not authorized by me. In good faith, I provided the caller with the necessary information, including codes generated by Discover and a verification link to submit my ID. The fraudulent agent also cleverly tricked me to set up call forwarding on my phone without realizing what he had asked me to do. This was all done to stop the wire transfer and receive a new debit card overnight. However, after few hours when call ended suddenly, I discovered that {$210000.00} had been wired out of my account without my knowledge or consent. When I contacted Discover, they informed me that the wire transfer was completed over the phone and that there was no record of my speaking to Discover to stop the wire. I did not initiate or request an outgoing wire transfer from Discover. I am also concerned that no one noticed that the almost whole savings balance of my account, which I have held with Discover for about ten years, was going into a commercial account called XXXX XXXX XXXX in XXXX XXXX. It makes no sense, given that there is no history of any wire transfers from my personal savings account, and that the account is not a business account. It is imperative to inquire about the reason for such a large amount being transferred to that account with standard verification, as Discover rushed to send the money out. After discovering the fraudulent wire transfer, Discover Bank informed me that they would stop the transfer. However, I later found out that this was false information. I also spoke to investigation team to closed my accounts and opened new ones and informed me that they would initiate a recall of the wire within a few hours of the transfer. That night, I called XXXX times to urge Discover to show urgency in stopping the funds from leaving XXXX and suggested that they should immediately contact XXXX as well. Despite my concerns, I was reassured that Discover had an excellent investigation team and that they would work on the issue. On the night of the incident, I tried to contact XXXX XXXX to prevent the funds from leaving the beneficiary account, but unfortunately, I did not have the necessary information to do so, such as the beneficiary account number and business name. As a result, I had to wait until the following day to obtain this information from Discover Bank. On XX/XX/XXXX, at XXXX XXXX, I contacted Discover Bank to acquire the wire transfer information and subsequently visited a local XXXX XXXX branch in XXXX. During my conversation with the manager, I was informed that they were unable to flag or freeze anyone 's funds, and that my best course of action was to contact Discover Bank to rectify the issue. After receiving no assistance from XXXX, I proceeded to file a police report at the XXXX XXXX located at XXXX XXXX XXXX. on XX/XX/XXXX and was given XXXX Report XXXX. XXXX. I was also informed that the police do not get involved with cybercrimes and that the best option would be working with Discover to return my funds. Additionally, on XX/XX/XXXX, I filed a cybercrime report at ic3.gov, but have not received any updates since then. Despite numerous calls made to Discover Bank between XX/XX/XXXX and XX/XX/XXXX, I was informed that there were no updates available and that the investigation was still ongoing. It was only on XX/XX/XXXX when a Discover representative finally contacted XXXX to inquire about the situation. After several hours of effort to reach XXXX department, it was revealed that the funds had been transferred out of XXXX on the same day, but the manner in which they were transferred remained unclear. Unfortunately, after discovering that the funds could not be recovered from XXXX, Discover made the decision that they could not return my funds, stating that it was a scam and not covered. However, I am questioning the urgency with which they sent out the wire and the lack of urgency to recover the funds. Despite being told that the issue will be escalated and I will be informed if their decision changes, they are currently unable to return my funds. I am hoping that you may be able to provide me with any assistance or resources that could help in this matter. I am open to any suggestions or guidance that you may have and I am willing to cooperate fully with any investigation. As a responsible individual, I have always been conscientious about managing my finances. However, a fraudulent wire transfer has caused immense distress to me and my family, and our lives have been turned upside down. The money that was stolen represented our life savings, which we had planned to use to purchase a house for our family in the near future. I am now reaching out for help from legal professionals, government agencies, the media, and the local DA Office to assist me in this matter. Your timely attention to this situation would be greatly appreciated, and I remain confident that we can resolve this issue as quickly as possible. Thank you for taking the time to read this letter, and I look forward to hearing from you soon. Regards,
03/07/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • MI
  • XXXXX
Web Older American
To begin, Discover ( Discover Banking-Savings ) solicited me on XX/XX/XXXX with a 'bait and switch ' offer to open an account with complete flexibility for withdrawing money while paying me simple interest and even a {$150.00} bonus if I made a {$15000.00} deposit within the stated window and simply kept the account open 30 days with the minimum {$15000.00} having no minimum holding / maintaining period requirement. I not only carefully checked the very favorable terms and conditions - I called their phone number on both XX/XX/XXXX and XXXX to have them confirm/ reaffirm my understanding of such terms and conditions. Then on XX/XX/XXXX, I successfully ( at least I thought ) completed application while, at this time providing {$15000.00} deposit information & authorization from my XXXX account. Complaint # XXXX ( of # XXXX ) begins on XX/XX/XXXX when it becomes apparent to me that my account opening was not yet effected, i.e., after NOT yet seeing seen my XXXX transfer going to Discover Savings being ( yet ) deducted from my XXXX XXXX XXXX account, NOR any notification or confirmation ( yet ) from Discover Savings such as an email from them stating that the account was successfully opened with an opening {$15000.00} deposit. Again, everything with my XX/XX/XXXX online application HAD appeared to have been successfully accepted-completed. THUS, this Complaint # XXXX = no notification, whatsoever, of application declination UNTIL 19 days declination letter was initiated/ '' dated '' expressly as XX/XX/XXXX, and delivered snail mail several days after that XX/XX/XXXX, letter notification date. Complaint # XXXX ( of XXXX ) occurring on XX/XX/XXXX, after successful XX/XX/XXXX, re-application re-attempt with the {$15000.00} initial deposit both coming out of my XXXX account and posting on my new Discover account ( both ) on XX/XX/XXXX. On XX/XX/XXXX, the site would NOT allow me to make normal ACH transfer withdrawal of {$7500.00} i.e., back to my bank account ( same exact routing # and account from which {$15000.00} deposit came 22 calendar days earlier ). After hours on the phone with Discover- ( again on XX/XX/XXXX ) representative said they would INSTEAD do a free Wire transfer on-line with a Discover Rep assisting me on the phone until full completion. Everything went through, EXCEPT THAT IT REALLY DIDN'T as I subsequently discovered on Saturday XX/XX/XXXX, when I learned that they needed YET MORE information since the account had not yet been opened 20 full business days ( and, supposedlyXXXX XXXX could ask for their money back up to 20 subsequent business days???? and that would thus leave Discover in a negative position is they sent roughly half of the {$15000.00} back to the exact same account from which it came. ( Please note however : XXXX tells me possible retraction-revocation could occur no more than 5 business days and NOT XXXX business days as Discovered personnel claimed ). On Saturday, XX/XX/XXXX, Discover could not tell me what the problem was, exactly, and I had to call back Monday, XX/XX/XXXX, when the " wire dept '' was opened. Also, on this XXXX day, I happened to have tried the normal ( ACH ) " transfer '' link and noticed that it was now working, so, I went ahead and added a regular ACH transfer of + {$7500.00} ( back to same XXXX account ). Also, the system said it is now 'scheduled ' and would be delivered to my XXXX account no later than Friday, XX/XX/XXXX. Final and most severe claim # XXXX ( of XXXX ) - came Monday XXXX XX/XX/XXXX, when wire department was now open. Please keep in mind that at this juncture, 2 withdrawal transfes for {$7500.00} ( wire ) and {$7500.00} ( ACH ) were already in process -- theoretically leaving remaining ( future post withdrawal ) balance of {$170.00}. Relative to the wire withdrawal that I had thought was completed on XX/XX/XXXX - the Discover Wire dept. put me on the phone with my XXXX XXXX and adequately verified everything to their satisfaction except that they still wanted me to complete a link requiring me to submit scan of both sides of my license as well as ( wait for it ) a " selfie '' pic. Moreover, later that morning, I opened the respective link which was still required in order for me to proceed -- only to find that it FURTHER wanted me to waive all rights to arbitration and enjoin me from joining any class action lawsuit. At that point ( with the incredible changing b.s. hurdles in conflict with my contract " terms and conditions '' ) -- I decided that I would simply forgo the wire transfer and use ACH going forward i.e., for the one already successfully scheduled for Friday, XX/XX/XXXX, AND any other future desired withdrawal. HOWEVER, later that day when I checked my Discover online account - I noticed that they had removed-eviscerated my already ( previously ) scheduled ACH normal withdrawal-transfer. When I informed them of their mistake- not only would they NOT correct the so-call " indefinite freeze '' on my account- Discover insisted it that it will never be removed -- and thus I will never effectively have access to my savings UNTIL such time I capitulate to their new and ridiculous ADDED demands of ADDITIONALLY sending scans-pics of both sides of my driver license PLUS an XXXX " selfie '' no less. These newly added new contractual " terms and conditions '' after taking err ... " scamming '' me, ( please see complaint # XXXX above ) for my money, are not only 'laughable ' - they are also patently illegal, to my knowledge -- per Uniform Commercial Code ( UCC ) as well as a bevy of Consumer Financial Protection laws.
08/03/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 11203
Web
I would like file a complaint against Discover for going against the guidelines outline by the Federal Trade Commission ( FTC ), of making a credit card dispute, in trying to resolve a dispute I have against XXXX. ( XXXX XXXX XXXX XXXX ) Per the FTC, a consumer may file a dispute against a merchant if items : 1. Weren't delivered as agreed ; or 2. Where youd like an explanation or clarification or a written receipt. Contrary to the dispute process regulated by the FTC, this has not been my experience with both XXXX and Discover ; and in order to close my dispute, Discover has accepted a insufficient response from XXXX which doesnt fully address my complaint ; AND which has inaccurate information, despite me pointing this out to Discover. Opposed to addressing these inaccuracies, Discover is saying that I have to address this with XXXX, which defeats the purpose of a dispute with the card issuer. I placed an order with XXXX for {$4300.00}. Because of the high dollar amount, XXXX REQUIRED that the package be delivered upon giving the delivery driver a secret one time password ( OTP ) that XXXX provided me. As stated earlier, a consumer can file a dispute against a merchant if the item wasnt delivered as agreed. Because XXXX never delivered the package to my home as agreed ; AND therefore, the delivery driver never received the one time password ( OTP ) that was REQUIRED to be given to him in order to complete the delivery, I asked Discover to request proof of delivery with the OTP. When I brought this to Discovers attention, Discover told me that thats not their problem. Again, per the FTC, a consumer can file a dispute if a package is not delivered as agreed! The package never arrived to my house, AND the use of the OTP is THE ONLY THING that would have confirmed that the package was delivered to the right place or person. In fact, in an email I already provided Discover with regarding the XXXX, XXXX said For security, you'll need to read this one-time password to the driver to receive this delivery. ( https XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) When I brought this to Discovers attention, the only thing that Discover provided me was a receipt from XXXX delivery driver record, saying that according to their delivery driver, the package was delivered to my address. XXXX intentionally and cleverly never mentioned that this was an XXXX delivery, nor did they provide proof that the XXXX was given to the delivery driver. This goes against what was agreed upon by me and XXXX. In fact, I provided Discover proof that the driver himself was trying to deliver the package without the XXXX because the delivery driver sent me a text that I later discovered, asking me where should he leave the package in my absence. If a driver was supposed to deliver a package upon receiving a specific password, theres no way he could be asking me where he should leave my package in my absence. I didnt see the text message at the time, and therefore never responded to it. Nonetheless he delivered the package to somewhere without the XXXX. He never delivered it to my address because I have cameras on my property to prove it. Because Discover refuses to accept the video surveillance evidence I have of my property as proof, the only thing that can prove if the delivery was properly delivered or not is a receipt from XXXX showing if the driver delivered the package with the XXXX, AND a printout of what XXXX the driver inputted into his device. Again, I refer back to the FTC guidelines, in a dispute, a consumer is allowed to get an explanation or clarification or a written receipt. I have asked both XXXX, AND Discover to provide me a copy of what the driver had inputted into his device as the proof of One Time Password, to prove that XXXX didnt deliver the product as agreed. XXXX is strategically covering up the driver never delivering the package by showing the drivers statement that he delivered the package, without furnishing proof that the delivery driver used the OTP for the delivery, which was required. Discover refuses to require XXXX to provide this proof, and upholding their rebuttal. This is a sham investigation. I have been using XXXX for years. The delivery driver for this package sent me a text asking where he should leave my package. Since my address is a private residence that was listed on the package, where else would the driver leave the package other than the address listed on the package??? In the YEARS that I have been using XXXX, NOT XXXX XXXX driver EVERRRRR arrived to my property and asked where he should leave a package. Dont you find it weird that this driver is the ONLY driver in my whole entire history with XXXX couldnt figure it out??? The driver likely delivered it somewhere else. Because I know that this package couldnt have been delivered as agreed, all is ask is that Discover ask XXXX to provide proof that the package was delivered using an XXXX, and send a printout of what XXXX was inputted upon delivery before denying my claim. Again, per the FTC, in a dispute, a consumer has the right to explanation or clarification or a written receipt. I am not asking for favoritism, Im just asking for proper proof of delivery. Even further, I have tried very very hard to resolve this issue with XXXX before going to Discover but they were not being helpful at all. I have also pointed out to Discover that XXXX lied in their response to my dispute by saying that I never filed a never received merchandise claim, when only the opposite is true. Please properly address my issues. Please
01/25/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 10306
Web Servicemember
I tried in the previous weeks and I tried again last night to get to enter a dispute both on the internet and telephonicaly. Last night some XXXX sounding dude said something about XXXX station, was gruff, you could feel him poking around, and had hung up on me. I think someone is tapping into my line because there was never a XXXX station before and the dude hung up. A previous woman when asking for the disputes department was prying all around why I wanted to enter a dispute what was it about instead of getting me to the disputes department previously told to ask for by the fraud staff that was none of her right to stall me and I never got to disputes just someone pretending to be from disputes. These strange actions are different then before. The discover service is supposed to work on line without having to get a call intercepted by unidentified people ; they never have publick operator numbers and one woman never entered anything into my account in past she wasnt even listed in their system as having talked to me when I called back and talked to a male staff to add more information to my record. Discover claims they hire Americans but the alleged staff is always prying or worse medaling and some have clearly not been Americans and there is never any proof sent to our e- mail that we called. It seems They have engaged in fabricating statements out of no where to the tune of approximately {$1900.00} back in XXXX through XX/XX/XXXX and attempting to dispute it got side stepped. A minimum of two times last year staff have robbed me fraudulently tacking on a charge of {$100.00} to enterprise charge in XX/XX/XXXX and in XXXX to XX/XX/XXXX they changed the balance forward $ XXXX from {$750.00} to $ XXXX.I have been bad sick so I never got a chance to get through the rest of the charges. And the charges are many times not discriptive enoughbut.that might.be a merchant issue. Tonight I tried on line again and it claims that I have to call and I tried to text an agent but it didnt work saying the service wasnt available. I spent over an hour through two calls waiting on line and never got through to the correct department only unknown characters prodding and arguing with us and it never sounds like you are even getting to discover without propper publik identification of employees and access to call logs there is never any proof to show when we call and we get no documentation sent to our emails some official notification when we call. Previous calls clearly indicate either my calls to discover are being intercepted by some unknown party and or that discover employees are not doing their job as per the service we are to receive and are stealing from people using ( 3 ) different methods minimum. Attempts to dispute charges in question have been difficult more as one time since XXXX with some agents contradicting the next. Now As a matter of system failure excessive wait times, and either calls to discover intercepted or employees outright LIEING and not documenting our calls including prying, prodding, or medaling with us this is why I am initiating this complaint. Discover call logs need to be made available to the publik then you could hear by the situation that in more as one instance alleged staff have lied to me and we are being prodded when we call in which couldnt occur if the on line system was working. I have to dispute XXXX charges, XXXX XXXX because we cant actually get to a billing department only a call center and they hadnt called back or emailed on last observation. I need the patreon ( I attempted a minimum of ( 6 ) times to pay and cancel for one account and patreons system still hasn't removed my data from their files and possibly has me in more as one account despite it was only one creator ) and I need other revolving charges stopped and removed from my file because these companies are coming back and and stealing from the people at different times after you legally cancelled their charges but discover didnt remove them from the file. The failed XXXX vpn which has refused to call or e- mail me that their damned service isnt working since day 1 it had constantly shut off and I had to manually restart it and then it stoped working completely in terms of a stupid display alleging it was functioning but never having any way to test what they allege they are helping. They have zero proper customer service and that the government.allows any of these companies to pedal in America that doesn't have an American call center staffed by fluent speaking competent people like Discover alleges is wrong. I am required to have a phone and e-mail and address these different companies need to have an American staffed office in America with proper telephone comunication. After the fact there sy application some how messed-up my phone because it functions like someone has tapped into my phone including it is slow and dysfunctional and my work card has been hacked into on XXXX XXXXe also. I see in my account they have refused to remove revolving charges that I legally cancelled and I was not refunded that money that XXXX and XXXX stole from me although they were legally cancelled. One of your own staff hangs up on people and it doesnt even sound like you are talking with government agents you are getting people at a home how do we know who the XXXX we are talking with all these companies and agencies playing cloak and dagger. Thanks for previous help because who would think with these corporations so terribly rich that they are so greedy and corrupt against the people.
11/03/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53711
Web
I wrote this to a member of Wisconsin 's Department of Financial Institutions I know it's been a little over a year since our first contact. Due to Covid my processing in fighting this judgement. A few weeks ago I represented myself in a De Novo hearing in the XXXX County XXXX circuit court. The judged ruled in Discover Banks favor, chiding me that I had " waited to long. '' His comments about this not being " much money '' were at best insensitive. While just below what could be considered small claims any claim of Garnishment against my teaching salary would be very hard to manage given my wife 's professional practice has struggled in Covid as she adapted to doing more online. My argument has been since starting to fight this that I was " sewer served '' back in XX/XX/XXXX as agents acting on behalf of XXXX XXXX in XXXX. The agents filed an at best errant affidavit claiming to have found me home on a night when I was at a meeting of a non-profit, XXXX XXXX XXXX, that I was a board member of. Evidently XXXX XXXX found that a clear violation of my 4th Amendment Rights under the Federal Constitution insufficient. Do my constitutional rights have a statute of limitations. The Affidavit of Service arrived on the afternoon before the morning of the scheduled hearing. I wrote the law firm and I was unaware that no official communication with the court could be sent via email stating that any business I had with Discover Bank ended in XXXX but my wording could have been far more concise and not as polite. This letter " showing knowledge '' of the action, but not within the statutory limits of proper notice was used to a club by XXXX. Had I done nothing I would likely not be writing this to you as it would have been very clear that XXXX had crossed a line in my rights as a consumer. At the initial appearances before a court commissioner my witnesses provided sworn testimony to my presence at the meeting. My wife, then fiancee, had a note in her professional calendar that I would be at a meeting that evening so she would not schedule clients as at the time my XXXX stepson still lived with us and still needs constant supervision. Even when XXXX called upon the same agency to serve me to a " garnishment '' meeting they were very cavalier with my rights to proper notice, serving me just four days prior to the scheduled hearing. The initial summons lists XXXX XXXX XXXX as the represented party. XXXX XXXX was " reacquired '' by Discover Bank after XXXX XXXX developed a reputation for creating records for debt well beyond the statutory limit of collections and selling these lists of Ghost Debt to firms like XXXX XXXX, In Wisconsin this is an absolute limit which given I hadn't used a credit card or made any payments since the early XXXX XXXX anything my job crisis in XXXX I may have owed was and still is well out of the window of legal collection. Initially prior to retaining the council of XXXX XXXX I called Discover Bank 's Legal and Collections Department. They had no record of me owing anything until my Attorney called them. XXXX XXXX filing coincided with XXXX County opening the Civil Courts to electronic filing. A week after I wrote my email thinking I had taken sufficient action to address the matter I heard a story on Channel 27 's news broadcast about a large volume of civil suits against consumers had been filed and if a defendant showed up and challenged it the pursuing " plaintiff '' usually had no evidence to prove a debt was owed. If I had only not needed to be somewhere else at XXXX XXXX on XX/XX/XXXX I may have showed up out of principle that something was amiss. When you have had collection agencies hounding you to a point where going to the mailbox nearly caused panic attacks. Anything I had ever seen from XXXX never was opened prior to the judgement that was obtained or after. At times there was nothing but shame from circumstances of being laid off from a job because I was " too expensive '' under Act 10 and finding it impossible to find work in my field because I had too much education and experience. I am hoping you can be of assistance in this matter. I am hoping it's not too late to find that XXXX XXXX at best cavalier approach to debt collection and gotcha tactics aren't left unchecked. I am hoping you can help me restore some faith in the system. Sincerely XXXX XXXX XXXX XXXX Some Additional Information : Received and accepted a summons for a hearing prior to garnishment late XX/XX/XXXX. This summons was accepted on a Friday with the hearing the following Tuesday. This service was not compliant with Wisconsin Statutes with proper service. Prior to retaining the services of an attorney called Discover Bank. They had no record of a recoverable debt or a debt that was in collections or part of an effort to recover a debt by legal settlement. In their words they stated that I owed no recoverable debt at the time XXXX XXXX was attempting to collect from me. The debt/settlement was not on my credit report prior to my then Attorney XXXX XXXX contacting Discover Bank. Case in Wisconsin Circuit Court is ... XXXX. The settlement was obtained in " small claims '' court. The 4th Amendment gaurentees my right to due process where the loss of liberty or property is at stake. XXXX XXXX in their actions as a collections agency has trampled my rights under the Constitution. My wife attempted to file a complaint on my behalf but this was done while the case was still open and scheduled for hearing in the XXXX County ( Wisconsin ) circuit court.
04/07/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • GA
  • 306XX
Web
Sometime between XXXX and XXXX discover card became lost. I didn't make these charges: Tue XX/XX/XXXXMerchant name is XXXX XXXX NY XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX SatXX/XX/XXXX Merchant name is XX/XX/XXXX TN XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX Sat XXXX XXXX XXXX Merchant name is XXXX XXXX XXXXM TN XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX Sat XX/XX/XXXX Merchant name is XXXX XXXX XXXX TN XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX SatXX/XX/XXXXMerchant name is XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX SatXX/XX/XXXX Merchant name is XXXX XXXX XXXX XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX Fri XX/XX/XXXX Merchant name is XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX Fri XX/XX/XXXX Merchant name is XXXX XXXX XXXX AR XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX Fri XX/XX/XXXX Merchant name is XXXX XXXX XXXX AR XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX Fri XX/XX/XXXX Merchant name is XXXX XXXX XXXX TX XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX Fri XX/XX/XXXX Merchant name is XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX Thu XX/XX/XXXX Merchant name is XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX Thu XX/XX/XXXX Merchant name is XXXX XXXX XXXX # XXXX TX XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX XXXXunning balance isXXXX ThuXX/XX/XXXXMerchant name is XXXX XXXX XXXX # XXXX OK XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX Thu XX/XX/XXXX Merchant name is XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX Thu XX/XX/XXXXMerchant name is XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX Wed XX/XX/XXXXMerchant name is XXXX XXXX XXXX CO XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX WedXX/XX/XXXX Merchant name is XXXX XXXX XXXX CO XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX Wed XX/XX/XXXX Merchant name is XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX Wed XX/XX/XXXXMerchant name is XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX TueXX/XX/XXXX Merchant name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX TueXX/XX/XXXX Merchant name is XXXX XXXX XXXX CO XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX Tue XX/XX/XXXX Merchant name is XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX Mon XX/XX/XXXX Merchant name is XXXX XXXX XXXX NM XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX XXXXXX/XX/XXXX Merchant name is XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX Mon XX/XX/XXXX Merchant name is XXXX XXXX XXXX CO XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX Mon XX/XX/XXXX Merchant name is XXXX XXXX XXXX CO XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX MonXX/XX/XXXX Merchant name is XXXX XXXX XXXX CO XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX Sun XX/XX/XXXX Merchant name isXX/XX/XXXX OK XX/XX/XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX XXXX XX/XX/XXXX Merchant name is XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX Sun XX/XX/XXXXMerchant name is XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX Sun XX/XX/XXXX Merchant name is XXXX XXXX XXXX OK XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX XXXXXX/XX/XXXX Merchant name is XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX SatXX/XX/XXXX Merchant name is XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX XXXXXX/XX/XXXX Merchant name is XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX SatXX/XX/XXXX Merchant name is XXXX XXXX XXXX AR XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX running balance isXXXX Sat XX/XX/XXXX Merchant name is XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Merchant category is Payments and Credits Amount is XXXX running balance isXXXX Sat XX/XX/XXXX Merchant name is XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Merchant category is Merchandise Amount is XXXX The total amount is XXXX Discover refuses to reimburse me this is unacceptable.
09/06/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 11203
Web
On XX/XX/XXXX I purchased cell phone service with XXXX by XXXX from XXXX XXXX, for my brother, at a cost of {$190.00}. At the time of purchase I was sold one phone with the second phone free and I requested a {$30.00} plan, which is what I had on my own phone. I was told the second phone could be used to replace the phone I was using but I had to wait three days to transfer my data to the new phone. I returned to the store after the three days had elapsed, on XX/XX/XXXX, to transfer my data to the free phone. That is when I found out we had been duped. When I related the reason for my visit to the store, the rep brought up the account and disclosed to us that the account had two lines with a {$50.00} plan, she also showed us on the screen all the other charges, like insurance, that the rep who open the account had charged us, unwittingly. ( I remember asking her, when the account was opened, why it was so much if one of the phones was free and she provided a plausible explanation. ) At that point, I asked the rep to reverse the transaction. She indicated that she could fix it and claimed she did so. By the time she was done removing all the charges that I did not authorize, putting the {$30.00} plan on the account, and removing the second line, which we knew nothing about, a {$70.00} refund was due ( which I later found out should have been {$86.00} from the calculations the rep made on the back of my receipt ). She indicated that she would apply it to the bill so for two months and a partial month no payment would be due. The rep had to call the owner/boss to have the changes authorized and he asked to speak to me. He apologized and told me to keep the free phone for the inconvenience and assured me that everything was in order. On XX/XX/XXXX, my brother informed me that he received a text message that a payment of {$100.00} was due by the XXXX. I instructed him to return to the store and inquire about it. He did so and the rep he encountered was outright hostile so he called me before the situation escalated. I asked to speak with the rep and reminded him of the situation, since he was present in the store and we initially dealt with him before he turned us over to the rep who claimed to have resolved the issue, on XX/XX/XXXX. He remembered the situation and promised me to resolve it. My brother relayed that he called the rep, who had resolved the situation for us previously, and she told him to call the owner/boss since the issue should have been resolved. The rep then told my brother to go home and he would call the boss and have him resolve the issue. On XX/XX/XXXX, I tried calling my brother and discovered that the phone had no service. I had him pack up the phones ( we had never used the free phone ) and we returned to the store to return them and have the transaction reversed. We encountered both reps who we had dealt with on XX/XX/XXXX. I told them the phone had no service and I was tired of dealing with this issue and would like to return the phones and reverse the transaction. The female rep who had supposedly resolved the issue for us looked up the account and pointed out to the male rep that service was suspended and that shouldnt be. She told him he needed to call the owner/boss to have him resolve the issue. The male rep stated that he called him yesterday and was not calling him again. This gave me the distinct impression that after my brother left the store, the day before, he never called the owner as he was instructed to do by the female rep and he did not want to call in my presence to reveal that he never made the call. At this point, I insisted that the transaction be reversed and the male rep indicated that since we had used the phone for more than one hour of talk time we could not return it. I asked if he knew that I had other means of recourse and he said I should do it through my credit card company. I then initiated a dispute with Discover Card. The credit card company initially reversed the charges then re-instated them claiming that the merchant provided sufficient evidence to show that the charges were valid. This evidence included a return policy that stated that the phone could not be returned after seven day and documents that had my signature, that I did not sign. I pointed this out to Discover Card and nothing was done about it. I contacted Discover and was told I provided no evidence to show that I have no phone service. The rep advised me to contact XXXX by XXXX via email to get them to confirm I did not have service. I did this and submitted the evidence and requested that the charges be reversed since I did not have any service and the merchant refused to work with me to resolve the matter. I contacted Discover Card several times and the charges still have not been reversed. Now when I try to contact them about this dispute the system does not allow me to send them messages. I typed a message requesting a copy of the call recording when I spoke to the rep. Upon sending it I discovered the contents of the message had been deleted and was blank. I am submitting this complaint because Discover Card has not addressed my concerns and has considered the evidence provided by the merchant valid and has not considered the evidence I provided to show that I do not have the service I paid for. I have been a customer with Discover Card since XXXX and I expected better service than what I received for this issue. I am hereby requesting that Discover Card reverse the charges. I have the phone ready to return to the merchant.
02/17/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • WA
  • 98166
Web Older American
My name is and I am the member with Discover credit card institution now more than 12 years. I have got the credit line of {$5000.00} which included cash advances of {$1800.00} in it structure. My credit line was approved from your institution on base of my student status in this time on base of my student loans at XXXX. I regularly paid on timely manner my monthly rate of minimum payment due and have not late payment problems during my period of membership, despite of my extremely financial hardship. My problem with Discover began far before your statement of XX/XX/XXXX, which activates my attention on fact that for longer than one year my basic debt did not became lover not for one cent although I made a payment in amount of {$88.00} up to {$100.00} every month regularly. This oriented me that in beginning of XXXX of XXXX call Discover center and request to talk with one of representatives to discuss my problem. After short connection and explanation of my problem served representative transferred my call to one of Accounts managers which name was XXXX? Her last name I did not got alleged they do not give their last names. I explained my concern to XXXX XXXX regarding the fact that after more than one year of regularly paid my monthly rate of around 100.00 per month my basic debt is constantly at level of {$3200.00} or higher and never go under this amount. I also asked her how is possible that for every single month the interest charges are 60 % or higher from my payment. XXXX XXXX agreed with my concerns and explained me that she can not return back to my account the amounts alder than three months and immediately returned {$320.00} on my account. She also explained me that interest charges are at level of 60 % or higher because I use my cash allowance. I disagreed with such explanation because I do not use cash from my account. The truth is that I used just once cash from my account and this happened more than seven ( 7 ) years ago. XXXX XXXX accepted my explanation and promised me that from this day and forward the interest rate will be not charged on base of cash advances and majority of my payment will be returned on my basic debt. She also emphasized that I must not make the payment before I get my new monthly statement. I agree with such solution and finish the talk with XXXX XXXX. The proof : Statements from Discover of Accounts Summary that verify not one time use of Cash Advances years long what mean that they illegally planted Interests Charges up to 70 % from my monthly payments On XX/XX/XXXX I have got e-mail from Discover office with request for make a payment because I was late although I regularly paid my monthly portion on my account on XX/XX/XXXX, and they again charged me with late fee of {$40.00} and with interest charged of {$62.00}. This unfair billing surprised me a lot therefore, I again called Discover office and explained serving officer my agreement with XXXX XXXX and pleased him to connect me with her. This time I was connected with account manager who introduced herself as XXXX XXXX XXXX and explained again my problem. She explained to me that investigation of my case is necessary and promised me that would call me back in Wednesday XX/XX/XXXX. XXXX XXXX ( I do not know is this her real name ) called me back on XX/XX/XXXX ( Thursday ) and told me that late charges were added to my account despite of payment of {$100.00} because they requested payment of {$110.00} what I oversaw somehow and because of my financial hardship I could not even pay at all. She was exactly rude an told me that Interest Charges up to 70 % will be taken from my account despite of fact that I do and did not use Cash Advances from my credit card account because is this exactly this what I subscribed in agreement when opened credit card at Discover. XXXX XXXX with this statement forgot that after crash of financial market from XXXX and new regulation connected with legal obligation of credit card institution, these illegal charges on someone credit card account are strongly prohibited. The proof : Different approach to my complain between Account Managers XXXX XXXX and XXXX XXXX verify your serious wrong doing and deceptions in billing process connected with my credit card account and verify that my requests are more than justified The story after this event continued and on XX/XX/XXXX i called Discover Card and try to make the payment but now they requested more than {$150.00} what i did not have at all because my SSA is at level of {$65.00} per month after paid Medicare B. The officer at Discover alleged accepted my complaint and amount that i offered to pay of {$100.00} and promised me that this amount will be permanent, and that alleged late fees will not appeared in following statements. However, in statement for XX/XX/XXXX these late fees even elevated up to level of {$110.00} altogether with basic payment arose to level of {$210.00}. In talk with different official at Discover she even told me that my monthly payment will elevate up to {$220.00} per month what is at least three time more then my SSA benefits of {$65.00} per month. I wish to emphasize that up to day for 11 years of regular repayment of my credit card i paid back more than {$11000.00} on name of my credit debt which more than seven years stay at level of around {$3000.00}. I have all proofs about this fraud of Discover credit institution just i did not have scanned them yet. After that i scanned them i will add them to my basic complaint if will be necessary and possible.
11/05/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MI
  • 49519
Web
XX/XX/21 - I scheduled a full payment on my Discover credit card. I had 2 bank accounts listed. I chose the one titled " Primary '' and then a payment amount. I initially tried to pay an overage because I knew I needed to purchase some items for medical/health reasons. The system would not allow the amount of overage I entered, defaulted to {$0.00} and gave an alternate acceptable overage amount. I entered that amount and submitted the payment. Up until this point of over 2 1/2 years with this account, I have never had issues with Discover online payment method. Later that evening, when reviewing emails, Discover confirmation email showed that the payment was coming from the wrong bank account. This particular bank account is not my primary, is usually used for internet purchases when I use the bank debit card. For safety reasons, it is kept at a nominal balance. I called Discover and spoke with XXXX or XXXX ( it was an " XXXX '' name ) and explained the situation. She said there was nothing Discover could do to change the bank information but she could take a payment over the phone- which I did. She also advised she would put a reminder on the account for estimated 2 weeks to monitor if there was any NSF charges applied and remove them. After hanging up with her I went into the Discover app and deleted the secondary account. Before it was accepted a warning popped up stating that if the bank account was removed, any pending payments would also be deleted. Great this would alleviate payment coming from the wrong account and the phone payment would be applied correctly. XX/XX/21 - I logged into the secondary bank account and it was a negative balance because Discover hadn't deleted the pending payment per the pop-up warning and the email confirmation warning. As a side note, the payment should not have been in a pending status with the secondary bank because I have the supposed safe guards on it if funds are not available then it is to be declined. I called the bank and spoke with the manager and explained the error. He advised Discover would attempt to submit it again and put a stop-pay on the transaction. I then logged into the primary account and Discover had NOT submitted a payment request ( this was the phone payment with XXXX ) , not even pending. I logged into Discover and it was at credit balance but I could find no payment footstep for the phone payment. I have the email from Discover on XX/XX/21 for the phone payment but the rep dated XX/XX/21 - not XX/XX/21 per the recorded phone call. So I had to call Discover again, and again I was told the phone payment was pending. I still couldn't figure out how this error happened and played around in the app. It is a Discover system error. When I tried to pay the original amount, the system defaulted to {$.00} with a suggested amount and changed the chosen bank account without notice to me. XXXX Secondary bank account was back to normal and still no ACH withdrawl/pending from primary bank. XX/XX/21 - Still no payment applied so again I had to call Discover. I asked to speak with a manager and transferred to XXXX. During this conversation, I was told the system had cancelled the XX/XX/21 phone payment had been cancelled on XXXX or XX/XX/21 because there was already a payment. XXXX gave completely wrong information and the rep on XX/XX/21 gave completely wrong information. On top of this, XXXX informs me that my account has been referred to security or something for review and I will have to speak with them. She transferred me to XXXX. It was a cold transfer and so I had to explain everything all over again. His comment was to blame me because it listed the last 4 digits of bank account. 1. I don't know my bank account numbers because I don't go around citing the numbers. I know my bank accounts by name and were labeled as XXXX and XXXX. XXXX this was a Discover system error by not letting the consumer know it changed the chosen bank account. When I again advised him that I had deleted the bank account and any pending payments would also be deleted ( per pop-up message, deleted bank account confirmation email and even Discover 's website policy ) he said that was a threshhold or something. This is misleading and ambiguous information. He said the only way to make a payment was for me to schedule it with my bank. I was not open to this because I have never done this and didn't feel I should have to be charged a fee for wanting to pay my stinking bill and hung up. Later I called my credit union and asked if there was a fee and how to do it. There is no fee so I submitted a bill pay. That payment went out to Discover on XX/XX/21 XXXX EST and the funds are gone from my credit union. XX/XX/21 - I received an email from Discover demanding that I give them access to my tax returns or else they will close my account. Then I get an email that I need to pay {$150.00} because my account has been over the credit lime for 3 months. I have been late on one payment, XX/XX/21 and I called and let Discover know that I was waiting for a check and then would make my payment. I was 10 days late and then paid the full amount owed! Now I am being treated like a criminal due to Discover system error and untrained customer service. I will not be releasing my tax returns to XXXX & Discover- this is a invasion of privacy and XXXX alone has so many security breaches that I have multiple credit monitoring class action settlement services and recently another cash payout for another class action settlement.
04/22/2022 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Funds not received from closed account
  • MI
  • 490XX
Web
I have held a discover credit card for a few years now. On XX/XX/XXXX, Discover Bank sent me an email about an online savings account with a good interest rate and a new account bonus. To the best of my knowledge, it was affiliated with, but a separate entity from, the Discover credit card that I held. XX/XX/XXXX, I opened an online savings account with Discover Bank. I added my husband, XXXX XXXX, as a Joint Account Owner. I did read through all the fine print, such as account holder agreement, consumer disclosure, etc. And saw nothing to be concerned about. After the initial setup and funding of the account on XX/XX/XXXX, with an {$8000.00} initial transfer from XXXX XXXX, I was required to merge my credit card online account with my savings online account. Which made me question if this would be considered a " new account '' to qualify for the new account bonuses. So I sent a message asking, through the secure message center in the online bank account. I was assured that the bonuses would apply if I met the minimum deposit threshold to qualify for the bonuses ( XXXX or XXXX ) within 30 days of opening the account, and all was well. I initiated the trial deposits to link external banks accounts on XX/XX/XXXX, so I could link my XXXX XXXX checking account, my XXXX XXXX checking account, and my XXXX account to this new discover bank savings account. The trial deposits were verified and all accounts were linked together on XX/XX/XXXX. I then initiated more deposits to meet the minimum Discover Bank bonus threshold, by sending {$4000.00} from my XXXX XXXX account, and {$3000.00} from my XXXX account. On XX/XX/XXXX, I deposited an additional {$700.00} from my XXXX account to Discover Bank. On XX/XX/XXXX, I received an email that stated, " Dear XXXX, We're writing to let you know that we noticed unusual activity on your account. For security purposes, we have suspended access to your account. If you have already spoken to us about this, no further action is needed. Here 's what you need to do : Call us immediately at XXXX ( TDD XXXX ) to discuss your account. '' I called them immediately. I was told that " discover bank made a business decision to close my account, and I could expect the funds from my account to be returned by check in 60 to 90 days. '' I protested, and asked for access to my funds sooner than that. I was told the only method to get my money sooner was to contact the banks that the deposits came from, and ask them to recall the transactions. I contacted XXXX XXXX, XXXX XXXX and XXXX. All three institutions said Discover Bank had held the money too long for them to recall the funds for this type of transaction, and the only way they knew to get it faster was for Discover Bank to reject/kick the deposits back to them. My husband called discover multiple times on XX/XX/XXXX, both before and after we spoke to the other financial institutions. XXXX was the person who answered two of his calls at Discover Bank, and her manager, XXXX, spoke to XXXX and I once. We did not get the names of the other people who answered the calls the other times, but since " all calls are recorded '' it should be no trouble for an investigator to find out their names. The story from Discover Bank has not changed, regardless of who we spoke to there. " It was a business decision '', " if your other financial institutions are unwilling to recall the transactions, there is no other option than to wait 60 to 90 days for us to issue a check '' " no, there is no one else in any other department at discover bank that can help you get your money sooner ''. On XX/XX/XXXX, we received an email from Discover Bank stating that the funds transfer service has been suspended, and to contact us at XXXX to reactivate your suspended account, and that You are receiving this e-mail because you are a Discover Bank account holder. On XX/XX/XXXX, my husband, XXXX XXXX, responded by calling the number. He was transferred to the fraud department and spoke to XXXX XXXX confirmed that the account is closed, suggested that we recall the funds at the banks they came from, and the only other recourse is to wait XXXX days for a reimbursement check, which is absolutely unacceptable. Discover bank says they can not kick or reject the transactions, and kept insisting that the other banks recalling the funds is the only way to access the money faster than this 60-90 days before they issue a check and mail it method. I reread the fine print of the account agreements. Nowhere in there does it indicate ( not even in the " account closure by us '' section ) that Discover has the option to hold my funds for this length of time. Check deposits can not be " held '' for more than 10 business days by federal law... so where/how/why is it allowable for them to hold up my cleared CASH funds for 60 to 90 days without my consent? Point to the law, statute, regulation, or agreement that allows for this, because I do not believe their actions here are legal. We also have trouble believing this promise that we will receive our funds in 60 to 90 days from an institution that treats us this way, and we currently see nothing stopping Discover Bank from making another business decision to keep our funds indefinitely. They have a right to choose to close my account. They do not have the right to hold my principal deposit amounts from me after I demand them. I demanded the cash from my savings account, and they should be able to supply it IMMEDIATELY. Not 2 to 3 months down the road.
09/26/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • OH
  • 445XX
Web
ALLEGEDLY FROM SPECIAL ACCOMODATIONS AGENT FOR DISCOVER. ( STATEMENT BELOW ) Dear XXXX XXXX XXXX, We are in receipt of your recent correspondence to the Consumer Financial Protection Bureau. To ensure your concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within Discover. We appreciate you bringing your concerns to our attention regarding the status and verification process of your above referenced Discover card account. Discover conducts regular reviews to evaluate our customers accounts. On XX/XX/XXXX, a transaction authorizations hold was placed on your account and our Customer Protection Services department emailed you an Internal Revenue Service Income Verification 4506 form and the process for its completion and review. On XX/XX/XXXX, the Internal Revenue Service rejected the 4506 form. In an effort to assist you regarding this matter, on XX/XX/XXXX, an Enhanced Verification Notarized form was sent to you via email in order to complete the verification process. Please note, this form with all required steps and requested documentation including the completed 4506 form and 3 most recent months of bank statements, must be uploaded at XXXX, faxed to ( XXXX ) XXXX, or mailed and postmarked to Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, by XX/XX/XXXX, otherwise your account will be closed to further transactions. I have also enclosed a copy of the Enhanced Verification Notarized form for your reference. We regret any inconvenience this matter may have caused you, and we have forwarded your concerns and experience as you have detailed in your correspondence to the CFPB to leadership in the appropriate area. Thank you for allowing me the opportunity to be of service. If you require additional assistance in this regard, please feel free to contact me at ( XXXX ) XXXX, Monday through Friday, from XXXX XXXX. to XXXX XXXX., ET. Sincerely, XXXX XXXX. Executive Office of Customer Advocacy Enclosure CC : Consumer Financial Protection Bureau XXXX XXXX Response Internal Revenue Service Income Verification 4506 form I HAVE FILLED THIS FORM OUT TWICE AND SUBMITTED IT. FILLED IT OUT AS HILIGHTED. SUBMITTED PROOF OF FILLING IT OUT AND SUBMITTING IT. I HAVE NOT FILED TAXES SINCE XX/XX/XXXX I KEEP TELLING YOU THAT. YET YOU KEEP DEMANDING THE Internal Revenue Service Income Verification 4506 form TO BE FILLED OUT THEN HAVE MADE INACCURATE STATEMENTS IN WRITING THAT I DIDN'T COMPLY. WITH YOUR DEMANDS. NOT SURE WHY A COMPANY KEEPS DEMANDING TWO YEARS OF IRS DOCUMENTS FOR THE LAST TWO YEARS WHEN I KEEP INFORMING YOU I HAVE NOT FILED TAXES SINCE XX/XX/XXXX. BECAUSE IM NOT REQUIRED TO. I HAVE UPLOADED MY SOCIAL SECURITY 1099 FORM AS GOOD FAITH TRYING TO RESOLVE THIS MATTER. AS YOU CONTINUE TO DISREGARD AND IGNORE MY WRITTEN REQUEST FOR SPECIAL ACCOMODATIONS. DUE TO MY PHYSICAL XXXX. AS YOU CONTINUE TO DEMAND THAT I TAKE CABS EVERYWHERE TO HAVE DOCUMENTS ( BANK STATEMENTS AND ID ) NOTARIZED BY A NOTARY OF WHOSE BANK DOESN'T EXIST IN XXXX OHIO. THAT I ALSO ADVISED YOU IN WRITING. AS YOU CONTINUE TO DEMAND ME TO SUBMIT TO HAVING TO WEAR A MASK BECAUSE OF THE STATE THAT I LIVE IN AND CAB COMPANIES ARE FORCING YOU TO WEAR A MASK OR YOU CAN NOT RIDE. HAVING NO CONCERN FOR PLACING ME INTO FINANCIAL STRESS AND HARDSHIP BECAUSE I AM XXXX AND DO N'T XXXX. AS YOU CONTINUE TO DEMAND AND IGNORE MY PHYSICAL WELL BEING AND SAFETY FOR DEMANDING BANK STATEMENTS AND ID BE NOTARIZED. AFTER ADVISING YOU IN WRITING OF HOW BAD MY XXXX XXXX IS AND HAVING A XXXX XXXX AND XXXX .... WILL PLACE ME IN XXXX DANGER AND EXTREME XXXX TO MY BODY. NOT TO MENTION ALL THE EMOTIONAL AND XXXX XXXX YOU CONTINUE TO PLACE ME UNDER. FROM A SIMPLE MISTAKE, AND AFTER NUMEROUS DOCUMENTS I UPLOADED TO PROVE MY IDENTITY PER FEDERAL LAW. STILL HAVE DEMANDED AND CONTINUE TO PLACE ME UNDER EMOTIONAL XXXX. STILL REQUIRING NOTARIZED DOCUMENTS FROM A NON EXISTENT BANK LOCATION. I WILL BE SUBMITTING AN EMAIL FROM A NOTARY PUBLIC INCLUDED IN THE DOCUMENTS I AM UPLOADING HERE. FOR MY SAFETY AND PROOF SO YOU CAN NOT MAKE INACCURATE STATEMENTS SAYING I DIDN'T COMPLY..OR YOU DIDN'T RECEIVE... I WILL BE UPLOADING XXXX XXXX BANK STATEMENTS.. FROM MY ONLINE XXXX ACCOUNT BECAUSE THEY DON'T HAVE A PHYSICAL LOCATION IN XXXX OHIO XXXX. UPLOADING ID AGAIN .... WITH PROOF OF THE WORLD TIME CLOCK FROM CELLPHONE. ALONG WITH DISCOVER CREDIT CARD. AS MORE DOCUMENTATION TO PROVE MY IDENTITY AS I HAVE ALREADY UPLOADED BEFORE UTILITY BILL ID SOCIAL SECURITY XXXX 1099 FORM ALONG WITH NOTARY PUBLIC STATEMENT .... SAYING THERE IS NO WAY TO NOTARIZE BANK STATEMENTS AS YOU KEEP DEMANDING. BECAUSE XXXX DOES NOT HAVE A PHYSICAL BRANCH. AS IM SURE YOU ARE AWARE OF THE PROCEDURE OF NOTARIZED BANK STATEMENTS. YOUR BANK HAS THEIR OWN NOTARY THE BANK STATEMENTS GET PRINTED OUT IN FRONT OF THEM INSIDE THE BANK THEN THE NOTARY ONLY THEN NOTARIZES. SO NOT ONLY HAVE YOU DISREGARDED MY NUMEROUS WRITTEN REQUEST FOR SPECIAL ACCOMODATIONS. NOT ONLY DEMANDING TO PUT ME IN FINANCIAL HARDSHIP AND PUT MY HEALTH AND LIFE AT RISK. DEMANDING SOMETHING THAT SEEMS ILLEGAL BECAUSE THERE IS NO WAY FOR A NON BANKS NOTARY TO KNOW THESE DOCUMENTS ARE LEGAL. NOW IF DISCOVER HAS A NOTARY THAT WILL SIGN OFF ON MY XXXX BANK STATEMENTS SEND THEM TO MY HOUSE WITH THEIR PRINTER SO THEY CAN NOTARIZE. IM SURE YOU GUYS HAVE NOTARIES YOU USE IN DIFFERENT CITIES AND STATES. AND HAVE THEM CONTACT ME THROUGH EMAIL TO SET UP APPOINTMENT ....
03/04/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MI
  • 48187
Web
Greetings from Oppressed person I am a man aged XXXX, and I have been employee for over 10 years, I have a Great track record in my life in America. I served the US Government in XXXX USAID ; I serve the US army in Kentucky Excellent security clearance, I pass any background investigation, no felon, no fraud, no driver license suspend, I am fill my tax every year. When I am park my car in any spot I do not like to hit the yellow line of car port, because I do like to broke the LAW. I am Married and father for XXXX years old girl she is in XXXX. I am the only income in my home because my wife she can not work has Health problem In XXXX XXXX my life was under risky health problem, my XXXX exploded, the XXXX going to my XXXX I set with XXXX for over three months, I loss over 20 pounds each week, The XXXX XXXX XXXX direct to my XXXX with XXXX, you can ask XXXX XXXX XXXX in XXXX XXXX I have to thank the doctor he did the XXXX for me. I am used all my credit card because I am without job for around 2 years, i cant let my family without food. I am with multi credit company XXXX XXXX XXXX XXXX XXXX, XXXX and Discover before XXXX everything on time excellent history, I do not have any fraud or bad sign. After XXXX for hard and tough situation I use all of this credit card, the total for them {$23.00}, Sorry for that but I do not have other choice, my income before with good scenario cover my family and home bill so I do not have any saving, when I did the XXXX, I use this money to feed my family, You can check all my bought history in these credits only I spent on FOOD, GAS, and BILL and I use around {$4000.00} for special class for my Daughter has XXXX XXXX before but thanks for XXXX she is doing very well, thanks for XXXX again. I am not buying car or home or anything. you can come to my home to see how I live, for 10 years ago I do not get any vacation I need to buy TV I can not because I do not have money ; I need to fix my car I do not have money. After XXXX the World enemy Covid-19 ) fight us and all the countries, America one of those Country, everything stop, no income, I have to help my wife and set with my daughter virtual learning. I understand the US Constitution or government system follow or work under capitalism system, This mean the corporates control the economy of the US, but under any mean they will not Owen the people if we back to the first two words of constitution WE THE PEOPLE. Discover bank sue me for {$3500.00} the main money, yes I agree, I am not say I will not pay, I am not destroyed the life for discover bank, but discover bank destroyed not only my life and my family life, whats the value or price for the life. This is the first time I feel, I see, and I Understand whats mean Financial Slavery, Racism, and discrimination why i say that, because discover attorney denied all of this offers : 1- settlement for {$300.00} - discover attorney denied 2- settlement for {$600.00} - discover attorney denied 3- settlement for $ XXXX $ XXXX monthly - discover attorney denied 4- settlement for my car title - discover attorney denied 5- settlement for {$800.00} - discover attorney denied 6- settlement for $ XXXX $ XXXX monthly this in court at meeting room - discover attorney denied. plus why from the first he sue me, i am not say i will not pay, how i will pay if they broke my credit history and sue me to the court, i am with multi credits company as XXXX XXXX XXXX XXXXXXXX XXXX, and XXXXXXXX XXXX, no of them sue me. i do not know what's the necessary think to do hearing court in XXXX and in covid 19, i am not a torririsom or bad person or make any threat for our country, i use the {$3500.00} credit yes i am not say no, i was called XXXX credit company they told me why he denied all this offer, it not make sense. finally, i am sorry to say that, Discover attorney he try to take the money by " GARNISHMENT / INCOME TAX REFUND AND BANK ACCOUNT '' i did my payment by court deal {$10.00} monthly on time you will see the attachment, he like to continue with discriminations, racisms, and exploit the critical time for the people in corona virus. for long years i face the discrimination in work, in my living area, but i was not speak, but when the discover attorney try to take my family money, i have to speak, the tax refund not only for me its for my wife and daughters. Dear Federal Bureau team sorry for my English language sorry for un professional words but really i cant not breathing with my family, for around a year we not get sleep, discover attorney destroyed not only my life even my family, and i will not accept that. I am sure you have children or grands, and I am sure you will feel how I am feel my request : Please Sir / Mam : I need your help to stop the process for Garnishment request from discover bank, the {$10.00} dollar monthly payment a lot for me but still I will continue do the payment let me live with my family secure and safe, pickup this from my credit report so i can get good job, so i can pay the all amount ( PLEASE PROTECT THE US FROM AVARICE, UNJUSTICE PEOPLE, and Inhuman I believe and trust your justice, and your conscience, XXXX BLESS YOU ALL TO AMERICA AND oppressed people about this question : What would be a fair resolution to this issue? I do like to contact them, because i did it before and they did nothing because, what i say before, the financial slavery and discriminations. Thanks in advanced for your patience, understanding, and help Sincerely, XXXX XXXX
05/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92113
Web
XX/XX/XXXX XXXX my name is XXXX XXXX. I have been a customer with Discover credit card since XXXX of XXXX. A 30 day late payment was reported on my credit report XXXX of XXXX. XX/XX/XXXX the XX/XX/XXXX payment of {$20.00} dollars was due. I received a credit for {$20.00} dollars in XXXX and I was told by the representative that would cover the XXXX payment. I found out the information I received was incorrect. In order to get a late on your credit report it actually has to be 60 days behind. I am an XXXX and XXXX owner. This dropped my credit and severely affected my life in many ways. I could not get loans or credit cards. I spent over 100 hours calling Discover to ask to please remove it. I hired a company called XXXX to help me. I spent thousands of dollars over 2 years trying to have the late payment removed. On Friday XX/XX/XXXX I called in and told a supervisor the entire story. How my life and my family had been affected. How it was an error of one of the Discover customer service representatives and how Ive been trying to dispute this for years now. She said she would have the credit team look into it and get back to me. XX/XX/XXXX at XXXX XXXX I called in and the supervisor said they had good news. After the research and review of the account they said Discover will remove the late and it was a Discover error. XX/XX/XXXX at XXXX I spoke to another Supervisor and they confirmed that the late will be removed and it was a Discover error and they are sorry for all the trouble. I called in again asking for a letter to send to the credit bureaus for proof. I spoke to XXXX Friday XX/XX/XXXX at XXXX about the letter I received the letter dated XX/XX/XXXX saying thank you for your recent inquiry, we can not make the requested courtesy adjustment to our reporting on your account. I told her to please review the calls because this is the opposite of what I was told. I called back between 15-20 times asking to please have the calls pulled because I was told the late was being removed and its a Discover error. I took countless hours off of work. It was stressful and at times I wanted to give up. Many times Discover reps would say they couldnt find anything and they cant help me and hang up. I finally spoke to a Supervisor that said they would have someone that is Corporate or high up review the calls from XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX by XXXX XXXX I received a call from someone who said their name was XXXX from the office that is high up in Discover. She said she reviewed the entire calls from XX/XX/XXXX and XX/XX/XXXX and no one on the call ever says anything about removing a late payment and no one says anything about it being a Discover error. I asked again if she had listened to the entire call. It was impossible. The calls are recorded for quality assurance. She was very nasty, entitled, disrespectful and rude. No one should be treated the way she treated me that day. In the end she was claiming I was not telling the truth when the truth is all recorded. It turns out she was the one trying to cover the truth and she was deliberately dishonest. Her only job was to listen to 2 calls that she had the dates and times for. I had also called many times asking for the same call to be pulled that is very clear. She denied everything on a recorded call. XX/XX/XXXX I spoke to XXXX and told her what happened with XXXX not being honest and trying to cover up calls. I asked to please review all the calls including the one with XXXX. Someone at that lever should not be allowed to be dishonest, disrespectful and rude and represent a XXXX dollar company. XX/XX/XXXX by XXXX I spoke to XXXX and asked to please review the calls from XX/XX/XXXX and XX/XX/XXXX both say it's a Discover error and the late payment will be removed. XX/XX/XXXX by XXXX I spoke to a supervisor named XXXX. She said she reviewed the calls from XX/XX/XXXX, XX/XX/XXXX and the call with XXXX XX/XX/XXXX. She said someone did tell me it was a Discover error and someone did say they would remove the late but it was a mistake. She also said that XXXX denied that was said on the call we had XX/XX/XXXX. XXXX said sorry but it's not a Discover error and we wont remove anything. XX/XX/XXXX XXXX XXXX I spoke to XXXX and she confirmed they do have the notes that multiple representatives of Discover did tell me the late would be removed and it was a Discover error. The notes also say they are not going to remove the late payment regardless of what I was told on recorded calls. I was transferred from XXXX to a night supervisor named XXXX who was really nice. I told her the entire story and asked to please document everything. I told her I would be filing a report with the Federal Trade Commision and working with my Attorney because this is all wrong. XXXX said sorry for all the trouble and whats happening is not right. She said she can see all the notes where I was told one thing then another. She said she will be sending an email to the corporate office. XXXX & Discover should be held accountable for lying, being deceitful, deliberately hiding the truth and being disrespectful on a recorded call. Discover needs to remove the late from my credit report and pay for the all the damage that has been done, time I took away from my work and money invested trying to get this resolved. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Contact Information for Discover Discover XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX
05/25/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • IL
  • 60622
Web
I have been going back and forth with Discover Student Loans for seven months and it's exhausting. I originally applied for its hardship assistance program in XX/XX/XXXX. Despite showing I had no income at the time, I was denied. I immediately re-applied with additional documents and was notified I would receive a decision within 10 business days. That time frame past and I'd still not received a response. When I called in XX/XX/XXXX, roughly 30 days after submitting my second application, a support rep initially told me they were still waiting for me to submit paperwork. This couldn't have been further from the truth, and after insisting she check, she verified I had submitted everything required, well within the timeline required. This representative put me on hold while conferring with her " back office team '' and after more than an hour on the phone together, told me I was immediately approved for the hardship program and my account would be updated to reflect as such, as well as being current on payments. I still continued to receive daily calls and letters than my account was past due for the original payment amount, despite making consistent payments of {$50.00} per the program guideline. I spoke to numerous representatives at least weekly to try to resolve the issue. I was told Discover was merging its system with XXXX XXXX, it's previous processor, and that was the root of the issue. The merger was complete at the end of XX/XX/XXXX and yet this problem has yet to be resolved. One particular representative assured me they would correct my account erroneously being reported 60 days past due and that shed also make a note for the reporting department to stop the report for 90 days past due, as I had been making timely $ XXXX/month payments per the program. Neither of those things happened, and my and my co-signer 's credit were negatively impact. It took another month of phone calls and talking to countless reps and supervisors to finally have that resolved and to receive a letter confirming the correction. When I finally received a letter confirming my enrollment in the program, my monthly payment went up by {$14.00} from the original {$170.00}. I didn't understand how this was possible, as it completely defeats the purpose of a hardship program. I called and was yet again informed it was a system error but they would send it to the person who handles these things and was assured this would be fixed. It still has not, and to this day I've still not received any sort of documentation confirming my enrollment and reduced payment of {$50.00} through XX/XX/XXXX. I've repeatedly asked to speak to the back office team that handles the program but am never allowed- they apparently do not accept calls from their borrowers. I repeatedly ask when the " system error '' will be fixed and am told " up to 30 days. '' 30 days has come and gone 180 days ago. No one will tell me what the error is or why if I am approved for the program and it's reflected in Discover 's notes it's not officially being reflected on my account. I initially spoke to a supervisor named XXXX ( ID XXXX ) roughly 3 weeks ago. While he could not give me a definitive resolution, he told me to only speak to him about the matter going forward. He advised that he would have to do some research and would call me back a week later. Unsurprisingly, he never did as that has been the trend with all customer service reps and supervisors at Discover. When I called him 10 days after our initial conversation, he essentially passed the buck to someone else, saying she, not he, would be able to handle my case. No resolution was achieved. I called to speak to XXXX ( ID XXXX ) XX/XX/XXXX but was told she's in a meeting and could call me back that day. She never did. When I called on XX/XX/XXXX I asked to speak to a supervisors superior, as so far everyone at his level has been unable to assist me. Initially, he refused, telling me the only person that could handle my case is XXXX and I could not speak to anyone else. I insisted on speaking to higher management, to which he then informed me his boss was " in a meeting '' but could call me back. I asked who it was and for her ID, his initial response was " we don't have that information. '' I found this very hard to believe since I had names and IDs of his other colleagues and that information was willingly provided to me. He finally told me it was XXXX ( XXXX ). I never received a call from her. I've never been allowed to speak to any management besides immediate supervisors of the support reps who take initial calls. However, XXXX finally called me on XX/XX/XXXX and assured me she was working hard and reaching out to headquarters to resolve the issue with my account- in fact she was going to talk to them daily. It's now 10 days later, I've not heard from her or received any correspondence/letter that the issue has been fixed. I still continue to receive calls and letters that my account is past due. I'm once again at risk of having an erroneous report on my credit, which is detrimental to me as a small business owner and my ability to secure a new apartment in the coming months. Frankly, I do not believe this is a system error at this point. This is more of a systemic bullying tactic to wear borrowers down and force them to give in and pay. I have zero trust in this company from the severe mismanagement and lack of transparency. It makes me absolutely sick to think I'm chained to it until my loans are repaid.
07/12/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • GA
  • XXXXX
Web
I'm complaining about discover card. I didn't make any of these charges. If there is another government agency that would be better able to assist, I request my complaint be forwarded to them. Thank you. First off they closed my account, it needs to remain open until the problem is fixed. I've enclosed a screenshot that shows that in one instance 3 charges where refunded 5 times then CHARGED AGAIN at least 7 times. I want that fixed. I've enclosed a message from Discover stating all disputes found in my favor, that hasn't happened. I want that fixed. Also that message states I'm due the amount of the charges found in my favor and of course that hasn't happened. I need that fixed. In addition to the regusrmb charges there are all of these, I didn't receive anything from them either. Here is the list: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I didn't make any of these charges. If there is another government agency that would be better able to assist, I request my complaint be forwarded to them. This is inexplicable. Thank you.
09/23/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MI
  • 489XX
Web
Per my contract as the debt, with Discover XXXX XXXX XXXX, XXXX XXXX, IL XXXX, I am now asserting my rights pursuant to 16 CFR 433.1 - 433.3 On XX/XX/XXXX mail was sent then followed with a call a week later to Discover to have an Offset of cardholders indebtedness by issuer of credit card with funds deposited with issuer by cardholder and was denied. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 16 CFR433.1 ( b ) consumer or natural person who acquires goods for personal, family or household use. 16 CFR433.2 ( h ) credit card issuer the person who extends rights for card holder to use credit card with connection to purchases of goods or services. I identify as the consumer and I was seeking goods for services for my personal family or household use. 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I provided discover the numbers off of my social security card 15 USC 1602 ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. 15 USC 1692 ( d ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. By Discover deny me something that I the consumer by federal law and entitled to 15 USC 1602 ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. The instrument 15 USC 1605 I submitted was an extension of credit from the consumer to the creditor not a gift. 1 The finance charge should have been the sum of all charges 15 USC 1605 ( a ). 2 the entire credit sell and or finance was finished at the signing of the issue. 3 I would like 15 U.S. Code 1666h - Offset of cardholders indebtedness by issuer of credit card with funds deposited with issuer by cardholder ; remedies of creditors under State law not affected ( a ) Offset against consumers funds A card issuer may not take any action to offset a cardholders indebtedness arising in connection with a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer unless ( 1 ) such action was previously authorized in writing by the cardholder in accordance with a credit plan whereby the cardholder agrees periodically to pay debts incurred in his open end credit account by permitting the card issuer periodically to deduct all or a portion of such debt from the cardholders deposit account, and ( 2 ) such action with respect to any outstanding disputed amount not be taken by the card issuer upon request of the cardholder. In the case of any credit card account in existence on the effective date of this section, the previous written authorization referred to in clause ( 1 ) shall not be required until the date ( after such effective date ) when such account is renewed, but in no case later than one year after such effective date. Such written authorization shall be deemed to exist if the card issuer has previously notified the cardholder that the use of his credit card account will subject any funds which the card issuer holds in deposit accounts of such cardholder to offset against any amounts due and payable on his credit card account which have not been paid in accordance with the terms of the agreement between the card issuer and the cardholder. ( b ) Attachments and levies This section does not alter or affect the right under State law of a card issuer to attach or otherwise levy upon funds of a cardholder held on deposit with the card issuer if that remedy is constitutionally available to creditors generally. ( Pub. L. 90321, title I, 169, as added Pub. L. 93495, title III, 306, Oct. 28, 1974, 88 Stat. 1515. ) I certify under penalty of perjury under the laws of The United States of America in the nature of [ 28 U.S.C. 1746 ( 1 ) ], that I have read the foregoing request for information and know the contents thereof, and that the information listed above is true, correct and complete. REQUEST EXECUTED this XXXX, day of the month XXXX, XXXX Respectfully submitted, For/by : XXXX Authorized Representative All Rights Reserved , Without Prejudice U.C.C. , 1-308, Without Recourse
11/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • GA
  • 30680
Web
This is a direct complaint against XXXX I and Discovers customer advocacy department. Discover Bank has done a huge disservice in their feeble attempt to justify their decision. With that I have drawn up demurs for the following statements : -My assertion does not dictate that my wallet was stolen on XX/XX/XXXX and the statement given to the police confirms. My gym was closed on XXXX, making it physically impossible for said wallet to be stolen on that day. What was said was that it was taken the WEEK OF XXXX. The police report was filed on XX/XX/XXXX. The assertion given, on XX/XX/XXXX, to your financial institution was that I had received the card, but did not use it prior to being taken. When I called your institution and agents advised that the card would be canceled and a new card would be sent out in the mail. Yet, Discover failed to cancel the card and, conveniently, no new card was EVER sent out until XX/XX/XXXX!! -I was locked out of my Discover account center access after I called in XXXX. I was denied access. AGAIN, I called into your financial institution and I was told that this was standard procedure after filing a claim and that it would remain locked until the investigation was completed. Yet, no other action from your financial institution was taken, other than locking my online account. My card was not canceled and no new card was sent out. Therefore, it would be the physically impossible for me to approve charges via my online account because I WAS LOCKED OUT. The only verification request I received, from my valid email address was a charge on XX/XX/XXXX from XXXX for {$240.00}. I selected no and I was sent confirmation that the charge was declined. I am providing documentation as proof. -only XXXX email alert was sent, regarding charges. It was on XX/XX/XXXX from XXXX for {$240.00}. I did not verify the charge and was told that it was declined and Discover would be notified. -From XXXX I received an email from Discover regarding my dispute FOUR different times. These emails all stated the same thing : that I could still access my online account and that I would receive a new card in 3-9 business days. When, in fact, I could not access my online account and no new card was ever sent. -Discover has failed to yield ANY evidence from merchants. I, however, have contacted ALL online merchants. I have also crossed referenced this information with the evidence provided from XXXX XXXX XXXX XXXX XXXX by XXXX XXXX ( XXXX other credit cards that were also in my wallet and taken at the same time ). The email addresses used in these online transactions are : XXXX XXXX XXXX and XXXX. ABSOLUTELY NONE OF THESE EMAIL ADDRESSES HAVE BEEN VALIDATED. Transactions from XXXX and XXXX by XXXX do not match my IP address. Discover refuses to produce IP addresses, however since the same email addresses were used, more than likely the same IP address was used and said IP address DOES NOT belong to me. I have provided my correct IP address as documented proof. Furthermore ; my name & phone number are misspelled and incorrect on ALL shipping addresses COUNTLESS times. And I have made MULTIPLE statements that NO MERCHANDISE has been received at this shipping address. -In the evidence provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX all purchases were made from an XXXX XXXX. DISCOVER REFUSES TO PROVIDE SUFFICIENT EVIDENCE. However, I HAVE NOT OWNED AN XXXX XXXX SINCE XXXX. This can be confirmed with my cell phone carrier. I have provided documented proof with the XXXX phones I have owned in XXXX ; am XXXX XXXX and an XXXX XXXX. The ONLINE TRANSACTIONS MADE WITH MY DISCOVER, XXXX, & XXXX BY XXXX XXXX CARD WERE ALL MADE WITH AN XXXX XXXX WHICH I DO NOT OWN. -Discover has falsified records stating that purchases were made with an XXXX XXXX and is refusing to provide evidence proving that. The penalties for the unlawful or accidental removal, defacing, alteration, or destruction of Federal records or the attempt to do so, include a fine, imprisonment, or both ( 18 U.S.C. 641 and XXXX ) -Discover is stating that ALL in-person transactions were made in my local area. My wallet was stolen from my LOCAL gym. However, I have called and verified charges because Discover REFUSES to do so. On XXXX a transaction was made to XXXX XXXX for {$64.00} XXXX XXXX, SC. On XX/XX/XXXX transaction to XXXX {$150.00} XXXX XXXX, SC. On XX/XX/XXXX XXXX XXXX {$12.00} XXXX XXXX, SC. XXXX XXXX XXXX is blatantly lying. He is failing to research and he is failing to provide evidence because it would contradict his statements. He is providing false statements to support his narrative. I have spoken to him on the phone and he has accused other financial institutions of not doing their research when he himself has done ABSOLUTELY NO RESEARCH. I have provided him with names and numbers to my points of contact at XXXX and XXXX by XXXX XXXX who worked tirelessly to conclude the CORRECT DETERMINATION. XXXX XXXX XXXX cant even return a voicemail. -Discover stated that they would thoroughly investigate the claim-they DID NOT -Discover stated I would not be held liable for unauthorized charges-they DID NOT -Discover stated I would still have online access-I DID NOT -Discover stated I would receive a new card-I DID NOT -Discover stated my XXXX XXXX made these purchases-I DID NOT -Discover stated the in person transactions occurred in my local area-they DID NOT -Discover stated I authorized these transactions-I DID NOT
12/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75007
Web
Dear Discover Bank, Subject : Disputing Information in Credit Report, I am writing to dispute the following information that your company supplied to the credit score companies. My credit report shows 3 late payments on my credit score. Discover bank reported 3 late payments on my credit score for the months of XXXX, XXXX, and XXXX for the year of XXXX. I was under the impression that I had paid off the balance of the credit card. During that summer, you can check on your records that I tried to login to the mobile app online multiple times but the website was not working and kept giving me errors. I even had a talk about this with discover bank with a rep and paid the bill over the phone. A few months later, I had not received any bills in the mailbox. I understand that the account is registered under electronic billing but when the matter is about unpaid balance for 30 days, I should at least get confirmation of communication that I am told there is a balance. 60 days passed, and then 90 days passed and the account was unpaid. The email that the bills or statements were being sent to was a college mail. The college student email was no longer valid and have no access to that email for a very long time. I graduated college in XXXX of XXXX. And the unpaid reporting to my credit score was for XXXX, XXXX and XXXX right after. I had not even received any phone calls for late payments. Even I did receive the phone call, I paid the balance immediately over the phone. There were no money issues, I can show my bank statements for the months that the balance was not paid, you will see that I had more than enough capital to cover the balance. Discover bank was one of my first credit cards I applied for when I was a student in college. I believe I got the card in XXXX with a credit limit of only {$500.00}. I paid the bill on time and even early every single month for years and my credit limit even went up to {$3300.00}. I have never made a late payment on any of my credit cards with any bank. I have a very good record. I was so disappointed because I've tried to contact discover about this issue but I have had no luck. I have been a very loyal credit card user or years since I was a college student but the problem came when I graduated and had no loner access to the email account or the bank login on the mobile app for some odd reason. My phone number on the account might have been different even though I've reported a different number change to the bank many times. During the time I was also out of country, in XXXX. During my visit I had conceived the XXXX XXXX XXXX and was sick for a very long time during XXXX and XXXX. I was in the XXXX XXXX XXXX XXXX and even missed my flight due to it. Then I was stuck in XXXX for many more weeks as there was a travel ban on all the flights. It was one of the worst times of my life and I was really worried about paying rent and bills as I was not ready for the unexpected events. I was not receiving paychecks from work due to extended time away from the country and I didn't truly know when I would be able to fly back due to the emerging DELTA variant. At the moment, due to the credit reporting of late payments, my credit score that I was worked on since I turned XXXX and started college with discover bank student credit card, the score went from the high XXXX 's to now the score is XXXX. It dropped over XXXX points. Last year I saved up my life savings and put it as an earnest deposit on a house for my family. The deposit was a large amount and the house will be ready in a few months. After talking to a loan officer today, I am told I may not be eligible for a house loan mortgage anymore due to the three late payments reported on my score that caused this sudden drop in my score. Please I request you as a loyal customer for years, as a new college graduate starting my new life, and for everything I've ever worked for, for many years or hard work and working on my credit score. When I signed the house contract my credit score was in the high XXXX 's. Now it is XXXX. My entire live saving is at risk because I will lose the deposit if I do not close on the house mortgage. Please I request you to remove the late payments on my credit score reporting bureau companies. Please reinvestigate this matter and contact the national credit bureaus to have them delete the late payments as soon as possible. I have made every payment to discover bank and the late payment reported on my account was due to non communication, errors in login attempts, student email no longer valid, stuck in another country due to XXXX XXXX, there were just so many things going on and the unpaid balance for the discover credit card was so little! For so little amount that was reported paid " LATE '' my entire life Is being wasted. Everything Ive worked for since XXXX, my life savings, my dream house for my family are all in risk. Please I request you to remove the 3 late payments and I can provide you with any documentations you require. My bank statements, hospital records, flights records. My phone number is XXXX. Thank you and look forward to hearing from you, Ive only used consumer finance because I had no other way of working this out with your bank and the reps on the phone. Please take a look at this, it is a time of holidays and XXXX XXXX and my life is so disturbed from this news I don't know what to do. its my humble request.
03/12/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NM
  • 87505
Web
This is the letter I sent to Discover regarding The Credit Card Accountability Responsibility and Disclosure Act ( or Credit CARD Act ) was passed by the United States Congress in XXXX, expanding on the Truth in Lending Act, and took effect in XXXX. Its purpose was to curtail deceptive and abusive practices by credit card issuers. Discover Financial Services XXXX. Box XXXX XXXX XXXX XXXX, UT XXXX Dear Discover Financial Services regarding last 4 digits # XXXX, I have been in contact with our lawyer. And he advised me to send Discover a Demand Letter. My daughter has been notified in writing and verbally from Discover of legal action and of her credit being negatively impacted. My daughter, XXXX XXXX SS # XXXX Cell # XXXX has given you verbal permission for me to communicate with you. XXXX opened an account with you last XX/XX/XXXX when she was XXXX. She was given a link to apply for a credit card from a fellow XXXX friend who would credit {$50.00} for referring her and XXXX would be credited {$50.00}. My daughter filled out the online application including that she made {$4000.00} a year and had a savings of {$1000.00}. She was awarded a credit limit of {$1500.00}! She made purchases and made maybe a couple of payments. In XX/XX/XXXX she asked for a credit increase and was awarded another {$300.00} increase. She requested another credit limit increase in XXXX and was denied. As you are aware : In XXXX Congress passed the Credit Card Accountability Responsibility and Disclosure Act of XXXX ( Credit CARD Act ), which amended the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ) to provide greater substantive protections, including special provisions for borrowers under age XXXX and college students. As it reads : ( A ) PROHIBITION ON ISSUANCE.No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX, unless the consumer has submitted a written application to the card issuer that meets the requirements of subparagraph ( B ). ( B ) APPLICATION REQUIREMENTS.An application to open a credit card account by a consumer who has not attained the age of XXXX as of the date of submission of the application shall require ( i ) the signature of a cosigner, including the parent, legal guardian, spouse, or any other individual who has attained the age of XXXX having a means to repay debts incurred by the consumer in connection with the account, indicating joint liability for debts incurred by the consumer in connection with the account before the consumer has attained the age of XXXX ; or ( ii ) submission by the consumer of financial information, including through an application, indicating an independent means of repaying any obligation arising from the proposed extension of credit in connection with the account. So, essentially Discover needed proof that my daughter had a source of income. She was not asked to submit any evidence on your online application. She did not give you a written application. With the {$50.00} - {$500.00} incentive, without a cosigner, without proof of income, you manipulated her into getting a credit card with a credit limit that was inappropriate. These are the reasons for the ACT in the first place and Discover went around that law. You also have student credit cards that would have been more appropriate for her. In the end, it created an unsuccessful experience with understanding credit, paying off debts, and building credit for my daughter. When someone borrows money and they are at 30 % of the poverty income, they can not pay it back. Its plain common sense regardless of any formula that you have. She had no means of paying off a credit card in the first place, nor does she have that now. She has been reported for late payments up until XX/XX/XXXX. Discover has removed late fees. I have brought her account up to date. Discover needs to understand and take partial ( 30 % ) responsibility for the fact that a XXXX-year-old with no source of income other than what we give her monthly to live as a student was irresponsibly awarded a credit card with not a {$250.00} or {$500.00} credit limit but, a {$1500.00} and then {$1800.00} credit limit! You did that without any proof of income, which is required by law. Please remove 30 % ( {$540.00} ) from her principle. I will pay the rest in one lump sum when that has been confirmed and a written form of communication stating that her credit report reads that the account is up to date and that the previous late payments were reported in error by Discover. Do not allow the report to read that Discover came to a settlement agreement with her. As a mother, I want to say Shame on you Discover for taking advantage of a young consumer. And, shame on me for not teaching my daughter to be wary of credit card companies that take advantage of her. As a company, please refrain from any marketing credit cards to young adults without the income to repay their obligations. If this would have been done with common sense, she could have responsibly used a low credit limit credit card to make it easier to manage her monthly cash flow and track her expenses. If you can not grant this demand, please get me in contact with someone above your decision-making authorization ability. Thank you for your time and thoughtful consideration, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX
03/17/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • IN
  • 46168
Web
Summary I have student loans that are owned and serviced by Discover. I enrolled back in school on XX/XX/XXXX. Prior to this date the loans were past due 30-60 days. On or before XX/XX/XXXX Discover received notification that I was enrolled in school at least half time. On XX/XX/XXXX my mother ( co-signer ) made a payment for the amount due and all loans were brought current. BetweenXX/XX/XXXX and XX/XX/XXXX Discover processed the deferment for all but one of the loans as it was out of deferment time. Upon placing the loans in deferment Discover or Discovers systems reversed and misapplied the XX/XX/XXXX payment, causing the loans to show past due. Since bringing this to their attention no later than XX/XX/XXXX Discover has been unable to correct the issue claiming know system errors or system would not allow due to status. Collection past due loans has continued dispite multiple attempts to inform and correct issue with Discover. Detail : Prior to XX/XX/XXXX my loans were past due because of financial hardship related to a chronic medical condition and extensive missed time from work. XX/XX/XXXX I began classes at XXXXXXXX XXXX XXXX University ( XXXX ). After completing the first week of classes I began to explore my in school deferment options for my private student loans ( including Discover ). XX/XX/XXXX I provided the Registrars office at XXXX Discovers School Enrollment Verification Form which was provided to Discover there after. XX/XX/XXXX XXXX XXXX XXXX sent notification to Discover of my enrollment. In subsequent calls to Discover after notification was sent, I was informed it was being processed and would be escalated. XX/XX/XXXX Payment in full was made brought account current. Within following days Discover processed/approved deferment. On doing so payment from XX/XX/XXXX was reversed and reapplied to to various loans with no rhyme or reason. Causing loans to show past due Contacted Discover ; was told it would be corrected. XX/XX/XXXX Payment reallocation completed. Reallocation made payments even worse. XX/XX/XXXX Contacted Discover in the morning to be told a system migration was in progress and caused the payment issue. Transferred to XXXX ( supervisor ) who claimed he or XXXX ( supervisor originally working on issue ) would research and return call. No call was received. That evening contacted Discover again, spoke to XXXX who tried to collect on balance due. Then transferred to XXXX ( Supervisor in XXXX ). XXXX indicated their system would not allow past due payment to be applied because of the status of the loans and that this was a known issue they are actively working to resolve, with no ETA. XXXX indicated Loans XXXX, XXXX, XXXX, XXXX, and XXXX were all frozen and in deferment ; no collection attempts or credit reporting would occur due to the status of loan. Credit was applied to Loan XXXX to bring loan current but nothing could be done for other loans. Arranged for a call back from his Manager ( XXXX ) however no call received. Informed XXXX of my intent to file complaints with XXXX, CFPB, and possible legal action if not resolved. XX/XX/XXXX Received notice via email ( see attached ) from Discover attempting to collect on balance of loans in deferment and past due. Contacted Discover again as had not received update and account was still showing past due and no call received from XXXX. Spoke to XXXX, who had no update ; indicated XXXX was out of the office. Call back was requested from XXXX at XXXX, next day. XX/XX/XXXX As no call was received from XXXX, contacted Discover again. Spoke to XXXX who tried to collect on balance. Tried to transfer to XXXX who was not available. Transferred to XXXX ( Supervisor - XXXX ). XXXX who is a peer of XXXX and in same office, indicated she would work with back office to get this resolved. Indicated XXXX was not in and requested call next day. XX/XX/XXXX No call received due to personal issues with cell service. XX/XX/XXXX As no call was received and issues with cell service resolved contacted Discover in early afternoon, hoping being during normal business hours would be easier to resolve. Spoke to XXXX who attempted to collect. Transfered to XXXX who spoke to Deferment Team claimed nothing could be done due to known system error. Had no update from XXXX. Later that evening called again to attempt to speak to XXXX to get update. First spoke to XXXX in XXXX who attempted to collect, was argumentative and condescending, despite mentioning perviously speaking to XXXX and XXXX, XXXX never felt it necessary to involve a supervisor until I specifically asked. Once I asked she attempted to transfer, but sent me into an IVR for XXXX XXXX. Called back spoke to XXXX who attempted to collect ; transferred to supervisor. Spoke to XXXX ( Supervisor - XXXX ). Filed a complaint on XXXX. Indicated XXXX did attempt contact on the XXXX but was unable to reach me, and has been in meetings since then. Indicated XXXX would not be in until Saturday or Sunday, but had no update. Indicated multiple people are working on this and will be done quickly ( has already been a month ). She insisted that no credit reporting would be done until 60 days past due and if anything was reported it would be corrected. Indicated agents are collecting on calls in as they are not reading the notes fully. Call was unexpectedly disconnected ; no attempt to reconnect was made by either party.
05/23/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60062
Web
Per recommendation of a friend, I purchased a Hawaii trip package through a travel agent, ( XXXX XXXX, owner of XXXX, XXXX, ( website XXXX ) on XX/XX/XXXX of XXXX. The total travel cost was {$7700.00}. My friend told me it was a bargain at that price and we as a group of families ( 4 families in total ) should all sign up with this travel agent that was scheduled to take place in XX/XX/XXXX through XX/XX/XXXX during our kids ' spring break. She charged {$4800.00} on this date on my Discover card. I subsequently paid my entire DISCOVER credit card bill for this entire amount as a deposit. The remaining BALANCE was due by XX/XX/XXXX. In XXXX of XXXX my credit card was charged the remaining balance of {$2900.00} without any prior notifications from the travel agent. I contacted her on XX/XX/XXXX for an explanation and after some back and forth by email, she responded that she would send me a refund by mailing me a check. I never received a refund and since my DICOVER credit card bill was due, I emailed her of my intention to dispute the charge because I was not prepared to pay for this charge until some time in XXXX of XXXX as she had mentioned it in her original email on the itinerary. Since she was not returning my deposit I started to get suspicious of her having bad intentions in keeping my money. Finally, since she never reimbursed the second charged fee, I decided to cancel my entire trip in XXXX of XXXX and asked for a full refund. My cancellation was qualified for a full refund within the cancellation period guidelines of the original reservation which she had emailed me and I was anticipating a full refund. On XX/XX/XXXX she sent me an email confirming she had cancelled my Hawaii trip and promised 2-3 weeks for a full refund. I never received a refund for any of the charges initially placed on my DICOVER card. I therefore decided to disputed both charges with Discover totaling {$7700.00}. The DICOVER card dispute numbers were # XXXX for {$840.00} and Dispute number # XXXX for XXXX. I had very poor assistance from DISCOVER CARD. They had promised each time to respond to my demands within a certain time frame. Every time I was the one who had to call to find out what was happening and it was always past the time I was promised a response. The never resolved ANY my disputes. The wait times on the telephone were very long and each time I was the one who had to call to inquire about the status of the disputes and the agents answering the calls seemed very much out of touch and misinformed with what was happening. They were so incompetent that I had to demand to speak to their supervisor who were also very hard to get through to. Even they were very much in the dark about the dispute status and put me on long waits to just figure out what was going on! On XX/XX/XXXX, after repeated calls and texts and emails to this travel agent ( which she mostly ignored and did not reply to ), I finally managed to have her reverse the last charge of XXXX on my DICOVER Card, with the help of my friend who had recommended her to me. DISCOVER CARD took credit for this resolution, boasting they had resolved it!!! DISCOVER CARD WAS UNABLE TO RESOLVE MY DISPUTES. EVERY TIME THEY WOULD ISSUE TEMPORARY CREDIT PENDING A FINAL INVESTIGATION TO RESOLVE THE DISPUTE. THEY NEVER GAVE ME FULL AND FINAL CREDIT FOR THE {$4800.00}. DISCOVER CARD KNEW HOW I WAS HOAXED INTO PAYING HER THIS LARGE SUM WITHOUT A FULL REFUND. DISCOVER CARD RECEIVED COPIES OF ALL MY EMAILS TO SUPPORT MY CLAIMS THAT SHE WAS NOT RETURNING MY MONEY FOR A CANCELLED TRIP THAT SHE HAD CONFIRMED. It is noteworthy that 3 other families who had made reservations with this travel agent and who also were forced to cancel their trips due to her being a con-artist got a full refund from their credit cards ( XXXX XXXX AND ANOTHER CARD ). This travel agent has reportedly been sued FOR CLOSE TO {$100000.00} by her mother travel agency for stealing their clients and opening her own agency. This is public information and on XXXX. I had told DISCOVER CARD about this and they still did nothing. THEY DID NOT EVEN CARE TO INVESTIGATE THIS MERCHANT. DISCOVER CARD finally told me they could not resolve this last amount at all and withdrew, ABANDONED ME and keeping me responsible to collect the {$4800.00} which to this date still has not been refunded to me by the travel agent, XXXX XXXX. They told me to hire an attorney or go to the attorney general 's office!!!! DISCOVER CARD NEVER OFFERED AN EXPLANATION OF HOW THEY TRIED TO RESOLVE THIS DISPUTE. THIS LEADS ME TO CONCLUDE THEY DID NOT DO MUCH AT ALL. DISCOVER CARD failed to protect me as a long-term and loyal customer. I am extremely disappointed with Discover card in the way they mishandled my case. I have tried to talk sense into this lady repeatedly by email, text and group text with my friend who recommended her to me, but up until now she has not returned my deposit of XXXX. I have filed a report with XXXX and IL Attorney General. I will have to hire an attorney or go through a small claims court. This is unacceptable to me. I will be losing time from my work and XXXX since I am a XXXX. I am very frustrated with all of this especially since my credit card that I have had since the XXXX 's has completely abandoned me. I demand an investigation into the way DISCOVER CARD has failed to protect me as a client.
12/24/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • NV
  • 89104
Web
To Whom It May Concern : This complaint concerns my credit card account with Discover Card, which became delinquent in XX/XX/XXXX. I wish to make the following points : After several letters insisting on payment, I sent my attached letter dated XX/XX/XXXX, to XXXX XXXX, Discover Card CEO. Among the issues I raised was that my income source from Social Security is exempt from judgement or similar actions under both 42 U.S. Code 407 AND Nevada Revised Statutes 21.090 ( 1 ( y ) ), etc. This was sent via Certified Mail, using Tracking # XXXX, Delivered to Agent for Final Delivery, XXXX XXXX, XXXX at XXXX XXXX.Tracking documentation is attached separately. On XX/XX/XXXX, I received the attached email from Discover Card threatening to sue me if I didnt pay by XX/XX/XXXX, which sarcastically said Were here to help. I immediately responded with the attached email to Discover Card CEO XXXX XXXX and several of his executivesthis email included the text of my ignored XX/XX/XXXX letter to Mr. XXXX, where I stated my income exemption. On XX/XX/XXXX, I received an email from XXXX on behalf of Mr. XXXX, and I replied, insisting on a response by Friday, XX/XX/XXXX. On XX/XX/XXXX Discover actual shipped Priority Mail Tracking Number : XXXX, which looking from the bottom up, initially sent to USPS on XX/XX/XXXX, but didnt actually ship an actual letter until XX/XX/XXXX ( after I sent Discover Card emails, and Discover Card ceased direct communication with me ). This was received on Monday, XX/XX/XXXX. On XX/XX/XXXX, I received via Priority Mail the attached document, which is dated XX/XX/XXXX, demanding payment by XXXX XXXX on XX/XX/XXXX. I consider this to be a legal document, so its funny that it is dated after their deadline date, and received TWO WEEKS AFTERWARD, so it is both unrealistic, and attempt to bully. I will not accept an oops excuse, because this is likely standard practice. Later on XX/XX/XXXX, after I received the Priority Mail referenced above, I received an email and the attached PDF letter from XXXX, Executive Office of Customer Advocacy at Discover Card. There are several interesting things about this letter, which serves as the official response from Discover Card CEO XXXX XXXX and his executive team : The letter is erroneously addressed to an address on XXXX XXXX XXXX, my correct address is on XXXX XXXXall prior correspondence from Discover Card, except this letter, has been correctly addressed to XXXX XXXX, since that is the address in their customer databaseIm curious why XXXX got creative and careless. There are variations of XXXX XXXX addresses in XXXX XXXX, but they dont belong to me ; such an error could cause the misdelivery of important correspondence, raising privacy issues ; The letter is addressed to XXXX XXXX. All prior correspondence from Discover Card has been addressed to XXXX XXXX XXXX. This important both for credit reporting, and because my late father lived at this address, and he had a similar but different name. Precision is missing here ; XXXX states As of XX/XX/XXXX we have taken the appropriate actions to prevent future contact regarding the status of your above referenced account. At no time have I told Discover Card to Cease & Desist, just that they must respect my rights, including my income source exemption rights under Federal and Nevada law, which I outlined in my still-ignored letter to Discover Card CEO XXXX, and they should not unduly harass me. If Discover Card wishes to completely cease contact with me in order to end their harassment of me, I welcome the relief, but this is their unilateral decision, and is not based on any kind of specific written language from me ; XXXX continues Please understand that taking this action does not relieve you from repayment obligation and may prevent us from being able to notify you of available repayment assistance or for other account servicing matters. Again, ceasing contact with me is Discover Cards unilateral decision. As to repayment assistance etc., Discover Cards TWO WRITTEN THREATS of legal action in 14 days ( especially the one dated XX/XX/XXXX demanding payment by XX/XX/XXXX ) hardly shows concern for my well being, as a XXXX XXXX XXXX XXXX XXXX defined as XXXX by both the Social Security Administration ( see attached SSA Benefits Verification Letter ), and self-identified under provisions of the Americans With Disabilities Act, 42 U.S.C. 12101 et seq. Discover Card did not respond to my email of XXXX, and only sent the second legal threat by Priority Mail on XXXX AFTER they received my emails. I believe their choice to make this XXXX individual wait in silence to receive both the Priority Mail letter and the corporate response emailed later the same day, XX/XX/XXXX, might have been an attempt to XXXX me. If so, it worked, since I slept little in the intervening 3-5 days. In conclusion, I still dont have answers to any of the following questions, which Discover Card refuses to answer : Does Discover Card still intend to sue me? Does Discover Card recognize my judgement proof income exemptions under both 42 U.S. Code 407 AND Nevada Revised Statutes 21.090 ( 1 ( y ) ), etc., which I described in my Certified Mail letter dated XX/XX/XXXX? I also have other exemption documentation that Im not including here, available upon request. Does Discover Card recognize the 6-year Statute of Limitations under Nevada Revised Statutes 11.190 ( 1 ) etc.?
08/20/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • TX
  • 77006
Web
After wasting hours politely talking with several different Discover Card supervisors on XX/XX/23 about astonishingly high rates for a balance transfer that I was set to repay on that day, and which I presumably can not now without waiving my rights, I hereby submit this complaint. Please note the attachment preceded by my additional comments : More generally, I mention the following : Discover Card entices folks to use a balance transfer check from them and then when one does and subsequently sees how expensive the transaction actually was, Discover tells them that the check was used in such a way ( online, for example ) that it's actually a cash advance. So instead of one 's getting the promotional rate, one gets ripped off while Discover claims that its choice of legal forum agreement was actually agreed to ( even when it wasn't by the astonished consumer ). Meanwhile the inflated rates for a cash advance apply despite balance transfer assurances made on the conspicuous documentation on the sheet containing the actual balance transfer checks that are merged together with " interest and fee information ''. The inflated rates apply also despite the front of the promotional sheet that may or may not have been included in the envelope with the promotional checks, too. On the back of that alternative sheet though ( not the one including the checks ) there's fine print buried within a large paragraph saying if one uses the transfer check in other than paper form, cash advance rates apply. So instead of 0 % interest for a year and maybe a 4 % transfer fee, like one had bargained for, one finds that one 's been surprisingly billed around 30 % annually plus a significant start-up fee. Meanwhile one 's reliance damages grow, too. Discover profits from the deception while claiming it's not deceiving, and while expecting surprised consumers not to sue them in their state pursuant to their consumer protection laws. It's not the first time that Discover has violated consumers ' legal protections. Your office has previously taken action against Discover. For example : https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-with-student-loan-servicers-discover-bank-the-student-loan-corporation-and-discover-products-inc-for-violating-a-bureau-consent-order-and-other-unlawful-practices As for the attachment : Pages 1 & 2 are of the front and back of the envelope that I received in the mail with Discover 's so-called promotional offer. Nowhere is the cash advance risk mentioned. Why not? Meanwhile : Pages 3 & 4 are of the promotional checks. There were four. Page 4 has redundant copies of checks 3 & 4, along with the " Interest & Fee Information '' beneath them. Please note that pages 3 and 4 are actually the same elongated page. Do you see how nothing at all is included there regarding how Discover can quietly morph its balance transfers into exorbitantly expensive cash advances that one discovers the hard way? Why is that? Anyhow the same goes for all pages except the final page ( 8 ), a back page where a brief advisory is buried as fine print within a paragraph. That's what page 8 is, just a back page that one doesn't even notice. Furthermore : Pages 5 & 6 are the blank sheets that appear on the back of the checks and the abovementioned information page ( i.e. pages 3 & 4 ). Notice the lack of any warning or advisory about cash advances? Given those two sheets ' blank status, why would anyone even think to look at the back page of 7, which just reiterates the promotional information? And why isn't Page 8 's tiny little advisory mentioned conspicuously ( or even at all ) anywhere at all on the other 7 pages? They are not. ANSWER : Because profits are greater when such surprises happen and folks believe Discover when it tells them they waived their right to a trial in their home state, much less a jury trial. Discover has no such waiver from me but I want to share this information with CFPB so it can try to help folks who are similarly misled by Discover. How can we make enough money to pay our taxes and try to help pay down the national debt ( XXXX XXXX XXXX ) when we get tripped up with surprise traps like Discover 's? We consumers don't have time for these distractions from our supposed allies. I had alternative credit card offers I could have used, and even more affordably than Discover 's promotion ( not to mention its exorbitant cash advance fees which, in my case, amount to a XXXX digit sum ). Furthermore, now I presumably can't pay down the rest of my debt hosted with Discover ( not to mention with my own funds, which I have, instead of a balance transfer check, which I don't need to use ). I can't make a payment without paying the inflated amount and all but waiving my rights to recover it later ( per the accord & satisfaction doctrine ). I spoke politely with several different Discover employees about this surprise and their ultimate definite conclusion was that I am out of luck. How can they justify the punitive fee? It's not like using the check one way instead of the other to transfer a balance costs Discover significantly more, if at all. It's certainly not like that ( reasonable and even encouraged ) approach warrants cash advance fees and compound interest. It's not fair to honest credit card companies to let their competitor Discover get away with this. Please take action.
08/18/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 94806
Web
On XXXX I contacted Discover. I bought a monitor for {$110.00} from XXXX XXXX, it was pre-owned under 'Acceptable '' conditions ; the worst condition items are sold under for XXXX XXXX. I heard buzzing noises coming form the monitor after some use, and found out it was potential electrical failure that can start a fire down the line. I assumed they overlooked this in the inspection process as it was noticeable only after extended use of the monitor. On XXXXXXXX I went to the XXXX XXXX XXXX ( was closer to me ), and asked for a refund as returns are handled at any XXXX XXXX. They said they could not return the item and could only offer store credit. This was new to me as nowhere did it state store credit as the only means of receiving a refund for the item. I explained I did not want store credit as there is nothing else in the store I wanted to buy. They offered the store credit out of generosity as I was persistent and they wanted me to leave, but I decided to start a dispute with my bank as they would understand. I opened a dispute the same day ( XXXX ), and provided my case. XXXX month later on XXXX I lost the dispute, I saw the documentation sent by XXXX XXXX and realized it proved nothing in their favor, just their return policy with nothing highlighted. The same return policy they provided deemed defective items CAN be returned, and by consumer law I am guaranteed return within a 30 day window for defective items in California, even if the item is non-refundable or final sale ( which it was not in this case ). I highlighted the portions of their sent return policy and made annotations explaining the situation. And the date of the initial dispute opened and the transaction date which shows it was within a few days of the return window. To continue the dispute, I had to call the dispute team after uploading my documents to Discover. I called them and showed them my documents on XXXXXXXX they stated the reason I lost the dispute was because they wanted me to contact the store of purchase ( XXXX XXXX and ask for the XXXX to explain my case first. So I went to XXXX on XXXX ( I forgot the specific day but around this date ). I asked for a refund in person but the XXXX said since it was out of the return period they could not. I stated how I opened the dispute a few days after receiving the item, and already tried to return to XXXX XXXX within the return period initially but XXXX XXXX said store credit only and Discover took over a month to come to a resolution for my dispute, so of course it is out of the return window. She stated that unless I was a premium member who get extended return periods of up to 60 days, they could not help me. I knew this was just to encourage paying for premium benefits that I used to get for free. I tried reasoning and saying if they had purchases in the system 60 days old for premium members, there should be no reason why they could not make an exception for mine and override it in the system since logs can go that far back, but she continued to state I needed the XXXX XXXX plus membership before purchasing the item to get the extended return window. They also had 90 day returns during the pandemic, so I knew she was just being corporate and unhelpful despite having the ability to make things work. I went and called Discover XXXX and explained how the XXXX denied me after visiting in person. Now the representative made a different excuse, saying something along the lines of : " they already offered store credit so they already tried a compromise which was denied initially ''. I explained how they offered store credit, not a refund, and by their return policy and law, I am obligated to a full refund for the defective item that I brought in initially to return. I said the store credit offered is not mentioned anywhere as a means of reimbursement in lieu of a refund, and was just courtesy offered by their team to satisfy me. No where is store credit used as the only means of reimbursement, and this was fully improvised and backed by no documentation. She was unhelpful for the rest of the conversation and we hung up after I said this. I found out about CFPB online and figured it was worth a final shot to contact you guys to get my a refund. To reiterate : I highlighted all parts of the return policy explaining I am entitled to a refund ( not just store credit! ), and by law for defective items I am granted a grace period for returns. I attempted return within 3 days initially ( return period is 15 days ), and XXXX XXXX and Discover waited a month to close the dispute against me so it was now out of the return window. I tried multiple in store and phone contact, each time yielding a different excuse. If you want you can get phone transcripts and see for yourself, and see my dispute documents uploaded to prove I opened a dispute promptly and highlighted all key info. Attached are all files I sent to them for the dispute, you can ask Discover for phone transcripts of my conversation. I do not know if XXXX XXXX would give me surveillance footage to indicate proof of attempted return but I can try that too if needed. The " read messages '' file is me highlighting the same document sent to me proving their own source enables me to refund my item within the time period, which I attempted. " Dispute Information '' file is just a pdf document of me explaining the situation to Discover.
03/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IN
  • 46219
Web
Discover is reporting a balance due to the major credit bureaus even though they cancelled/discharged the debt and issued a 1099-C The Issuance of a 1099-C and The Fair Credit Reporting Act There is no bright line rule regarding what should be reported on a consumers credit report when a 1099-C is issued. Although the IRS has provided some guidance in various information letters, federal and state courts have interpreted the IRS guidance in different ways. Nationwide, courts differ as to whether issuing a 1099-C extinguishes a debt and prohibits a creditor from pursuing collection or reporting the debt. While some courts are holding that the existence of a 1099-C form does not operate to distinguish a debt, other courts have held that it is inequitable to allow a creditor to belatedly enforce the alleged debt after it received the tax benefit of the charge-off. Some Courts Find That Issuance of a 1099-C is Evidence of a Discharge Some courts have been persuaded that it is inequitable to allow a creditor to belatedly enforce the alleged debt after it received the tax benefit of the charge-off. See, e.g., In re XXXX, XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX XXXX XXXX ) ( " The actual ( or at least potential ) tax consequences of the form make it inequitable to allow the [ creditor ] to enforce its claims against the debtors '' ) ; Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( A ), XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX XXXX ) ( holding that it is inequitable to allow [ a creditor ] to belatedly enforce the alleged debt after it received the tax benefit of the charge-off ) ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) ( issuance of Form 1099-C after debt was written off is " prima facie evidence '' that debt had been discharged by creditor, sufficient to create an issue of fact ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XX/XX/XXXX ) ( It would be inequitable to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. ). Similarly, in In re XXXX, the bankruptcy court stated that although it generally agreed with the assessment that the IRS requires financial institutions to issue a 1099-C as a reporting requirement, it disagreed with courts that conclude that the issuance of a Form 1099-C does not, alone, operate to extinguish a debt. XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX. XXXX XXXX ). The bankruptcy court reasoned that the IRS interpretation in the above referenced information letters is in direct conflict with the Internal Revenue Code and the fact that cancellation of indebtedness income is included within a debtors gross income. Id. at 270. The court further determined that the issuance of a Form 1099-C reflects that a financial institution has, in accordance with 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, discharged an indebtedness. Id. at 271. NOTE : If the identifiable event is a decision by the creditor, or the application of a defined policy of the creditor, to discontinue collection activity, then in fact discharge of debt did occur. If Discover did not intend to cancel the obligation when they reported the 1099-C to the IRS, then Discover should have provided me with a written statement included with the 1099C that stated the issuance of the 1099-C is to comply with IRS regulations and is not to be deemed a cancelation of the debt. I have disputed the balance on my old Discover account with XXXX XXXX and XXXX. The credit bureaus will update the balance to {$0.00} due to having a copy of the 1099-C. Then within 30 days of those disputes, Discover updates to the credit bureaus that the balance is OVER {$22000.00}. This is a vicious cycle that has to stop. I called Discover on XX/XX/XXXX and spoke with XXXX and XXXX regarding this matter and both of them told me that Discover would continue to keep reporting a balance of over {$22000.00} to the credit bureaus. Both XXXX and XXXX stated that Discover canceled/discharged the debt and that Discover would NEVER attempt to collect the debt as Discover issued a 1099-C and lawfully they can not accept any payments. Question- Is it worth it to Discover to risk litigation to keep reporting a balance on a debt that Discover clearly issued a 1099-C with code G? Or would it be better for Discover to report to the credit bureaus that the balance on the account is {$0.00}. I sincerely apologize for not paying Discover, I had many difficult situations arise in late XXXX, many hardships and despair in XXXX and XXXX. A few months ago things started to change, I am finally back on my feet, have accepted the many loses I have suffered, have overcome health conditions and have risen from despair. I realize that Discover does not care what happened to me financially, personally, mentally and physically and will most likely view my explanations as excuses for not paying. However, I would really appreciate if Discover would be so kind as to update the balance on my old account to {$0.00} balance per the 1099-C that was issued. I am desperately trying to refinance the mortgage on my home and Discovers reporting of a balance of over {$22000.00} is preventing from qualifying for a refinance.
04/29/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NE
  • XXXXX
Web
In XX/XX/XXXX consumer received an IRS Cancellation of Debt letter from Discover Bank Card, XXXX. XXXX XXXX, XXXX XXXX, OH XXXX. Consumer was confused and was of the belief Discover Bank Card was aware of consumer 's insolvency IRS status ( XX/XX/XXXX ) regarding the closed Discover Bank card ( after written notification in XX/XX/XXXX ) sent XX/XX/XXXX. In the State of Nebraska the statute of limitations [ Chapter 25 Section 207 ] regarding debt on credit cards is 4 years. All debts are non-collectible after 10-years ( unless re-aged ) in the State of Nebraska. There has been no activity on the Discover Bank credit card ( ending in XXXX ) since XX/XX/XXXX. It is suspect that after never receiving correspondence from Discover Bank Card all of a sudden at the end of XX/XX/XXXX; ( and during Tax season ) here comes an IRS Cancellation of Debt form from Discover Bank Card. There has been no written correspondence from Discover Bank card regarding the status of the card since XX/XX/XXXX. The fact that Discover Bank Card was sending an IRS Cancellation of Debt form in the year of XX/XX/XXXX; was confusing to consumer. Therefore, consumer felt it necessary to send a copy of an IRS Insolvency worksheet ( completed and dated XX/XX/XXXX ) verifying consumer 's insolvency status regarding all of consumer 's closed credit card accounts dating back to XX/XX/XXXX, which included the Discover Bank Card. Consumer attached a letter ( along with other documents ) to Discover Bank Card and sent it via certified Mail with return receipt ( XXXX XXXX XXXX XXXX XXXX ) ; and attached a copy of the IRS Insolvency worksheet regarding Cancellation of Debts dated XX/XX/XXXX. Consumer included a copy of the IRS Notification letter ( XXXX - XXXX control number XXXX ) dated XX/XX/XXXX ; as verification that consumer was in compliance with the IRS inquiry regarding IRS insolvency, and had a satisfactory closing of the case. In response to Consumers letter, Discover Bank Card took it upon itself to " willfully '' view the verification as a " dispute '' and deliberately violate the Fair Credit Reporting Act ( " FCRA '' ) 15 U.S.C. Section 1681 ; by sending consumer a letter ( dated XX/XX/XXXX ) clarifying that Discover Bank Card had inappropriately notified all consumer reporting agencies that consumer was disputing the credit card account ending in XXXX ; and in order to do an investigation Discover Bank card sent forms requesting consumer to update information regarding a " current '' phone number ( so they could call between the hours of XXXX to XXXX collection harassment ) ; signature verification and photocopies of documents containing consumers signature for comparison. AT NO TIME, did consumer dispute or report anything regarding the Discover Bank Card ending in XXXX. Consumer sent written verification ( XX/XX/XXXX ) of the IRS Insolvency status documented with the IRS in XXXX as a courtesy to Discover Bank Card. AT NO TIME, did consumer request Discover Bank notify any consumer reporting agencies of a " dispute '' regarding a " time-barred '' Discover Bank Card ending in XXXX. AT NO TIME, is consumer providing written signatures to Discover Bank Card so those signatures can be transposed to other documents consumer has not given permission to do so. AT NO TIME, did consumer claim or report the Discover Bank card ( ending in XXXX ) stolen, misused or tampered with. AT NO TIME, is consumer playing the game of " re-aging '' a debt that has been IRS cancelled, " time-barred '' and no longer collectible after 10-years under Nebraska statute of limitations law. AT NO TIME, does consumer believe consumer owes a Discover Bank Card debt. Consumer resents the unscrupulous attempt by Discover Bank card to trick consumer into " re-aging '' a time-barred debt the IRS has determined is cancelled under the IRS insolvency doctrine. The fact that Discover Bank notified all consumer reporting agencies of a false dispute regarding a " time-barred '' debt has created undue hardship and harms consumers credit reports which now subjects consumer to collection practices that cause emotional duress ; and puts consumer 's credit rating in jeopardy of negative standing. Consumer has complied and worked hard to get consumer 's credit rating back to good standing. Consumer demands Discover Bank Card notify the consumer reporting agencies of their discrepancy and attempt to reverse the damages theyve created or be subjected to a federal lawsuit filed with the Federal Trade Commission ( FTC ) ( and the state of Nebraska ) regarding violation of the Fair Credit Reporting Act ( FCRA ) ; and do so expediently. Consumer has attached copies of the XX/XX/XXXX letter to Discover Bank card, U S tracking receipt that verifies Discover Bank received the letter, Nebraska Statute of Limitations ( SOL Chapter 25 Section 207 ) regarding credit card debt collection and IRS Cancellation of Debt form ( scroll to Page 8 of the IRS booklet ) verifying insolvency of consumer for the year XX/XX/XXXX. Consumer will pursue all legal remedies in this matter if this matter is not resolved within thirty ( 30 ) days from the date of this formal complaint with the CFPB. Consumer appreciates this venue of mediation and resolution provided by the CFPB. The CFPB has been a wonderful avenue of protection for the general public. Consumer thanks you for all you do.
03/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • DE
  • 19810
Web Older American
Hello, On XX/XX/XXXX, I received an alert from my XXXX monitoring service that my Discover account was delinquent and the company had flagged my account 30 days past due. I was shocked because ( 1 ) I am NEVER late in paying ANY of my bills, and ( 2 ) I had not received any bills from Discover. I immediately called Discover and was told that no payment was received for XXXX or XX/XX/XXXX. I explained that I had not received any bills for those months but to rectify the matter, I instantly paid them the full balance of {$160.00} over the phone. They agreed to waive the late fees and interest. Please note that I hadnt seen any Discover bills and didnt even know what I was being charged for. I simply paid what they said I owed. I pay ALL of my bills via XXXX XXXX Online Bill Pay service and have been doing so for longer than I can remember. When I contacted XXXX Bill Pay department about the Discover issue, I was informed that my Discover account was shown as inactive! XXXX was unable to explain this. As it turned out, several of my bill pay accounts likewise showed inactive status. XXXX agreed to look into the matter. The following day, XX/XX/XXXX, I received another XXXX alert stating that my credit score had dropped 85 points! I was extremely upset to learn this because my credit score consistently lingers between 840/845 and 850. ( That alone likely gives you an indication of how I handle my financial obligations. ) The Discover and XXXX matters were back-burnered for nearly 3 weeks because life kept getting in the way. : - ) ..Going backwards four months, In XX/XX/XXXX, I inadvertently left my wallet in my shopping cart. As soon as I got home, I notified all of my billers and canceled all of my cards. When the new cards arrived, I called the number on the sticker to activate them, removed the sticker, and signed the back. Done and done and good to go, so I thought.. OK, back to where we started On XX/XX/XXXX, I called Discover again and spoke with XXXX in Illinois who believed she had figured out what had happened. She explained that when my new Discover card was issued, it was non-functioning because I had not signed on to discover.com. This made no sense because I never sign on to discover.com, nor do I have any reason to. Apparently, Discover somehow believed I paying them through their website via electronic billing. Nope! Never happened! I filed a dispute through XXXX that night. ( XXXX was closed ). The next day, XX/XX/XXXX, XXXX at XXXX helped me file a dispute with Discover Card. XXXX also advised me to contact Discover again and ask them to remove the late payment history since the error occurred on their end. I made that request to Discover rep XXXX. She checked with her supervisor who refused the request because, according to him, they have proof that email reminders were sent. However, per XXXX, the emails were flagged as undeliverable, so clearly, I never received them. XXXX also verified that I have been with Discover for 17 years and have an excellent history. On XX/XX/XXXX, XXXX from XXXX filed a second dispute which included the above information from XXXX and XXXX. The result of that dispute is that Discover changed the month of delinquency from XXXX to XXXX. XXXX? Not only is that utterly ridiculous but it also makes absolutely no sense, especially since I paid the delinquent amount on XX/XX/XXXX. There was no more XXXX could do, but XXXX did suggest that I file a complaint with CFPB. I continued to reach out to Discover in an effort to speak with someone higher in the food chain. I spoke with XXXX supervisors, XXXX and XXXX, both of whom verified that the emails sent to me were flagged as undeliverable. They also both explained that it is not possible to reach any XXXX higher than supervisor. XXXX further explained there was nothing more he could do but he would flag my account with the credit bureaus to reflect that I dispute Discovers claims. I asked XXXX to provide copies of the flagged emails ; she explained that that could not be done. Why? My credit report shows that Discover flagged my account as 30 days past due. While that is a true statement, hopefully I have proven to you that the non-payment error is on Discovers end and I was, in fact, completely in the dark until I received an alert from XXXX on XX/XX/XXXX. After 17 years as a Discover client, wouldnt you think they would call or send a letter regarding the very unusual behavior in my account, especially since their emails were returned undeliverable? Instead, it seemed like they were chomping at the bit to flag my account. My long-term previous and accurate credit score ( XXXX ) and my payment history for all accounts proves that I take my financial responsibilities seriously and, frankly, I am livid about the 85 point drop that occurred through no fault of my own. As I understand it, this stays as part of my credit report for XXXX years! Discover needs to acknowledge their error and remove the late payment history that they created through their own incompetence. I know this is lengthy and I do appreciate your time and attention to this matter. Kindly contact me should you need any additional information. P.S.>>> I do hope Discover gets a copy of the above as I believe it will help them understand what transpired. Very sincerely, XXXX XXXX XXXX XXXX ( H )
03/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IN
  • 46219
Web
Discover is reporting a balance due to the major credit bureaus even though they cancelled/discharged the debt and issued a 1099-C The Issuance of a 1099-C and The Fair Credit Reporting Act There is no bright line rule regarding what should be reported on a consumers credit report when a 1099-C is issued. Although the IRS has provided some guidance in various information letters, federal and state courts have interpreted the IRS guidance in different ways. Nationwide, courts differ as to whether issuing a 1099-C extinguishes a debt and prohibits a creditor from pursuing collection or reporting the debt. While some courts are holding that the existence of a 1099-C form does not operate to distinguish a debt, other courts have held that it is inequitable to allow a creditor to belatedly enforce the alleged debt after it received the tax benefit of the charge-off. Some Courts Find That Issuance of a 1099-C is Evidence of a Discharge Some courts have been persuaded that it is inequitable to allow a creditor to belatedly enforce the alleged debt after it received the tax benefit of the charge-off. See, e.g., In re Crosby, 261 BR 470, 474 ( Bankr. Ct. D. Kan. XXXX ) ( " The actual ( or at least potential ) tax consequences of the form make it inequitable to allow the [ creditor ] to enforce its claims against the debtors '' ) ; Discover Bank v. Shimer , 36 Misc . 3d 1214 ( A ), 1, 957 N.Y.S.2d 263, 263 ( N.Y. Dist. CtXXXX XXXX ) ( holding that it is inequitable to allow [ a creditor ] to belatedly enforce the alleged debt after it received the tax benefit of the charge-off ) ; Amtrust Bank v. Fossett , 223 Ariz. 438, 441, 224 P.3d 935, 938 ( Ariz. Ct. App . XXXX ) ( issuance of Form 1099-C after debt was written off is " prima facie evidence '' that debt had been discharged by creditor, sufficient to create an issue of fact ) Franklin Credit Mgmt . Corp. v. Nicholas, XXXX Conn. Super. LEXIS 1908 ( Conn. Super. Ct. XXXX XXXX XXXX XXXX ( It would be inequitable to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. ). Similarly, in In re Reed, the bankruptcy court stated that although it generally agreed with the assessment that the IRS requires financial institutions to issue a 1099-C as a reporting requirement, it disagreed with courts that conclude that the issuance of a Form 1099-C does not, alone, operate to extinguish a debt. 492 B.R. 261, 269 ( Bankr. E.D. Tenn. XXXX ). The bankruptcy court reasoned that the IRS interpretation in the above referenced information letters is in direct conflict with the Internal Revenue Code and the fact that cancellation of indebtedness income is included within a debtors gross income. Id. at 270. The court further determined that the issuance of a Form 1099-C reflects that a financial institution has, in accordance with 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, discharged an indebtedness. Id. at 271. NOTE : If the identifiable event is a decision by the creditor, or the application of a defined policy of the creditor, to discontinue collection activity, then in fact discharge of debt did occur. If Discover did not intend to cancel the obligation when they reported the 1099-C to the IRS, then Discover should have provided me with a written statement included with the 1099C that stated the issuance of the 1099-C is to comply with IRS regulations and is not to be deemed a cancelation of the debt. I have disputed the balance on my old Discover account with XXXX XXXX and XXXX. The credit bureaus will update the balance to {$0.00} due to having a copy of the 1099-C. Then within 30 days of those disputes, Discover updates to the credit bureaus that the balance is OVER {$22000.00}. This is a vicious cycle that has to stop. I called Discover on XX/XX/XXXX and spoke with XXXX and XXXX regarding this matter and both of them told me that Discover would continue to keep reporting a balance of over {$22000.00} to the credit bureaus. Both XXXX and XXXX stated that Discover canceled/discharged the debt and that Discover would NEVER attempt to collect the debt as Discover issued a 1099-C and lawfully they can not accept any payments. Question- Is it worth it to Discover to risk litigation to keep reporting a balance on a debt that Discover clearly issued a 1099-C with code G? Or would it be better for Discover to report to the credit bureaus that the balance on the account is {$0.00}. I sincerely apologize for not paying Discover, I had many difficult situations arise in late XXXX, many hardships and despair in XXXX and XXXX. A few months ago things started to change, I am finally back on my feet, have accepted the many loses I have suffered, have overcome health conditions and have risen from despair. I realize that Discover does not care what happened to me financially, personally, mentally and physically and will most likely view my explanations as excuses for not paying. However, I would really appreciate if Discover would be so kind as to update the balance on my old account to {$0.00} balance per the 1099-C that was issued. I am desperately trying to refinance the mortgage on my home and Discovers reporting of a balance of over {$22000.00} is preventing from qualifying for a refinance.
06/28/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • PA
  • 18020
Web Servicemember
Dear CFPB, My issue is with Discover Bank Financial Institution. I previously had 2 accounts with Discover, a personal Discover IT credit line and new business card account that I was approved for in XXXX with a combined credit line of over {$17000.00}. I also have a FICO score over 700 and have been a customer in Excellent standing since XXXX with Discover. With no late or missed payments. And zero fraudulent activity. I WAS A DISCOVER CARD customer for over 4 YEARS! On XX/XX/XXXX, I could not log into my Discover.com Business online account to pay my bill. There was a message from the main webpage that I needed to contact Discover regarding my account. I called the number provided on my account page and explained to the CS representative that I needed to pay my bill and could not access my account. I was asked a series of questions to verify my identity and also had to recite back a coded number to the rep that was made to the cell phone number on my Discover account. After I verified who I was, I was then told that my Business card account and my online access was temporarily suspended because I needed to provide Discover with proof of who I am? -I was told I needed to download a form. -Have it notarized and sent to Discover.com -And the Department that locked my account would be notified. And that I had 14 days to send in their demands. I was also sent an email stating that I had 14 days from XX/XX/XXXX to send in the document or my Business Account would be closed. Discover Financial Bank, essentially threatened to close my account, even though I made the representative aware of the following concerns. I was " Expected to put myself at risk for contracting the COVID 19 virus and Defy a Government mandated order to stay at home '' All in order to provide Discover Financial with a document " proving my identity ''. The reason behind this request according to the representative was because " I updated my phone number ''. The same phone number I verified when I called. I was informed that they had previously tried to contact me regarding this issue. I informed the rep that I never received any written communication from Discover. I also informed the rep that I was able to log into BOTH my online accounts. Pay my bill and make changes to my accounts since XX/XX/XXXX. With NO correspondence from Discover. It wasn't until XX/XX/XXXX that Discover shut off my online access to ONLY my Business credit card. Where I was greeted with a " Contact us '' page. My Discover IT account had no such message. I offered to send in PHOTOCOPIES of my government issued ID. I was told that DISCOVER did not want that information. It had to be NOTARIZED. So, with great trepidation I did attempt to find a business that would notarize a document. The Governor of my state was transitioning to a Green Phase on XX/XX/XXXX. So, I still would have time to send in the documents within the 14 day window. What transpires next can only be described as complete bias on the part of Discover Financial. Firstly ; I live in Pennsylvania. Which is in a Governor Ordered stay at home and statewide lockdown from the COVID-19 pandemic that killed thousands of Americans. Secondly ; There are no business ' open that would notarize a document. Banks were closed with only drive through service. The local Post Office suspended all notary and passport applications. Discover Financial sent me an email and closed my Business credit card account on XX/XX/XXXX at XXXX. Discover Financial followed that by closing my Discover IT credit card on Sunday XX/XX/XXXX. I proceeded to contact DISCOVER on Monday XX/XX/XXXX. I spoke to a CS manager, her name is XXXX. I explained to XXXX everything that transpired to this point. XXXX agreed that there was no reason she saw to close my account. She also tried to reinstate my account but because it was locked from another department she was unable to do so. She also verified again that I was " flagged '' because I updated my Phone Number. The same number I already verified on XX/XX/XXXX. It is my belief that Discover Financial Bank is in violation of my ECOA Regulation B RIGHTS as a consumer and as a MINORITY. There was no just cause to cancel both my accounts when simply freezing them would have given me time to accommodate their request to " Prove My Identity ''. Even though when I PAID my DISCOVER statement over the phone from MY PERSONAL BANK ACCOUNT with the rep on XX/XX/XXXX, NO such ID was required. DISCOVER FINANCIAL never communicated in writing what they needed until XX/XX/XXXX VIA their WEBPAGE. They also did not give me sufficient time to gather the required documents, especially during a Global Pandemic. It is my firm belief that I have been targeted by DISCOVER and their Card Security Division based on pure bigotry. I have been Subjugated to bully and intimidation tactics. And when I did not comply fast enough, had BOTH my accounts CLOSED. Perhaps a FULL review of DISCOVER will bring to light the customers being targeted are XXXX. This information will be shared with the XXXX and all social media outlets. I also support a Federal DOJ inquiry. Bigotry and ethnic bias will no longer be tolerated! Because of this callous act by DISCOVER FINANCIAL My credit utilization will be reduced and My FICO score will also suffer.
07/18/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 27606
Web Servicemember
On XX/XX/XXXX , my spouse passed away unexpectedly. Discover Card is the company in question. The account was opened in XX/XX/XXXX . I believed myself to be an authorized user, because at the time the application, I was separating from the service and the XXXX returned me to my Home of Record, XXXX . The ETS date was XX/XX/XXXX . I stayed in the state of XXXX , ( home of record ) for 10 days and the application was signed on XX/XX/XXXX . I did not sign that form. When my husband passed away, he had been unemployed. I used the card to make 2 payments to XXXX . A payment was due on XX/XX/XXXX . I called them to say my spouse had passed away, knowing that in the state of NC, as an authorized user, I was ultimately not responsible for the debt. I could have charged the card and committed fraud, but I did not because I would be committing fraud on the back of a dead man. I began to receive phone calls for the debt. I took several calls and reiterated that I was an " authorized user '' and knew the law said I was not responsible. I said that I had no job and there was no way I could pay. They asked me if I had relatives to borrow from, life insurance or any other way to pay and tried to get me to commit to a payment plan, etcetera because " did n't I use it to live on? ". In XXXX , I was finally pronounced executrix of my spouse 's estate. XX/XX/XXXX , I received another phone call. I was asked again about making the account current. I told them again -- that I was an " authorized user '' and was advised not to make any payments by the attorney representing my late husband 's estate until 90 days had passed to post notice to creditors. I asked the advisor on the phone to send me the application agreement if I was a " joint account holder '' as was proclaimed, and was told that I would need a SUBPOENA. I have a witness to that phone call. If I were a joint account holder, this should have been a no-brainer, just send me the document!! I emailed the estate attorney 's paralegal who said she had never heard of such a thing. I received a phone call stating that once again, they were trying to bring the account current. I reiterate that one of the advisors said I needed a subpoena as a joint account holder to get the signature card/application and they provided me with an email address for the POA ( powerofattorney ) to submit documents. I sent them the death certificate and the Letters Testamentary. Again, why, If I was a joint account holder? I believe it violates the FCRA and they did record the call. I also received a phone call saying that the letter with application had been sent and shouldnt I pay only XXXX ? Over and over until I ended the phone call. At the time I had not received or seen the application document and I said I would not do anything until I had it in my hands. When I received the application document around XX/XX/XXXX or XXXX , two things stood out. 1. As a military member, newly separated, there is NO WAY had I been the signatory, that the space for the date would be completely blank!! No way. It was. 2.The date of the application which was on my spouse 's signature line was whited out. Why? Because Discover has a taped conversation in my words telling them that I was not in XXXX , but XXXX , my home of record. XXXX was my spouse 's home of record. And I did not make it back to XXXX until days AFTER the account was opened. I never set foot in the XXXX where the account was most likely opened, nor did I ever set foot in the bank listed on the application. And I am certain that the signature belongs to someone else, which is why I repeatedly told the Discover card advisors that I was an " authorized user ''. I did not sign the application. I also received a letter telling me that I had " paid the bills '' and " requested an address change '' and I never " disputed '' anything before, so, in essence, what was the problem? I did pay the bills as a stay at home mother, it was my job. Generally speaking, we moved XXXX times and as an authorized user, I was allowed to make certain changes, and lastly, why would I dispute anything that I knew we spent money on? I disputed it upon my spouse 's death, because I had never signed the application and this is why I repeatedly referred to myself as an " authorized user ''. They continued to call me until the account was 8 months in arrears. The number originated out of AZ and I can provide it with research. I had excellent credit, in comparison to my spouse. A thirty year credit history, despite 3 unemployments in the last ten years, and to boot, I reiterate I did NOT sign the application. And although I will have to sell my house no matter what, this incident will have an affect on my credit rating and potential to downsize, obtain an affordable mortgage. I was a stay at home mother for 20 years. Credit card companies do n't want to know that you are honest enough to call them and tell them that you can not pay the bill off, but instead tell you that you must be 6 months in arrears in order for any " help '' to be given. I hardly ever made the minimum payments as I wanted my credit to remain in good standing, whether owner of the account or not. I have not reported the dispute to the three main agencies because I thought I could take care of it myself. And now, with this, I will.
10/31/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OK
  • XXXXX
Web
On XX/XX/2020 at around XXXX, I was taken to a hospital in XXXX XXXX XXXX called XXXX. Upon arrival I stated my name and explained that I was feeling sick. I issued my insurance card to the hospital personnel and explained that it was valid in XXXX and that it should be billed ; as an out of network provider. Shortly after that I was given some medication that the doctor stated would relax me. At XXXX XXXX, I woke up and I asked the nurse why was I still in the hospital. The nurse then stated that the doctor recommended it for observation and I had agreed. I become upset because that was not the truth. I demanded to see the doctor and the nurse stated that the doctor was not on shift and will not get in until XXXX XXXX. I then asked if I could be discharged and the nurse stated that I had to see a specialist. I asked why and was told that it was the doctor 's recommendation. Close to XXXX I noticed a message on my phone and {$2000.00} was charged from the hospital to my Discover card. I asked the nurse to explain how XXXX got my card and who authorized them to bill the Discover card. The nurse saidthat I would need to speak with billing. I became extremely angry and demanded to be released from the hospital. I was told that I would not be released because I needed to see a specialist at that point I still had no answers as to why I needed a specialist. I demanded to be released again. I was told I had to wait for the doctor and he was not in and will not be until about XXXX XXXX. I called the nurse after the nurse left the room and no one came. It was still after XXXX. I got upset drag the XXXX stand and went into the hallway and begun yelling and taking out the XXXX because I was ready to leave and I was ready to find out why and how my card was charged. The nurse then took the XXXX out and the doctor stopped by and said I was leaving against his advice. I told him that I thought he wasn't on shift. He didnt respond. I asked about the need for a specialist and he claim something about XXXX balance. I then demanded to leave or I'll call the US embassy. I was released then. I arrived at billing and I issued them my insurance card and advised them that I issued it the night of arrival and that they needed to bill the insurance. I told the billing personnel that I did not issue my card to any XXXX staff and that I am not authorizing the charge and that they didn't have permission to bill the Discover card. The XXXX personnel then said to me, your insurance gave us trouble previously in the past. I explained to the XXXX staff that I have never been to XXXX before so my insurance or my situation is not the same as their past experience. The staff then stated it is already billed to your discover card. I asked how they obtained this. The person that took me to the hospital apologized to me and explained that the hospital asked for a second form of ID such as a card and he issued it. He said that the XXXX staff later told him that they held a deposit and would release the hold in the morning. In the morning he also confronted XXXX for dishonesty. The hospital staff then told me that the total was {$2300.00} billed to discover. I told the XXXX personnel that I am not authorizing the usage and payment because I did not give the person who took me there any authority to issue my card and they are not an authorized representative on my discover account. So the charges need to be reversed. The XXXX staff said it couldn't be reversed. Upon arrival to the US my insurance company was not billed and stated that XXXX never submitted a claim. I filed a dispute with Discover card services. Discover stated that they had ruled in my favor due to no response from XXXX. Discover later billed me and stated that the hospital submitted documents that I used the services and that it did not matter if I didn't sign or give permission and that a signature is not needed as long as the merchant was issued the card and service was utilized. I explained that my signature on my ID didn't match that of the document from XXXX and I couldn't have signed a bill for {$2000.00} while I was asleep.. I also explained to discover that the person who gave my card will attest to this. Discover said that didn't matter. I hardly see where this is right or legal or a fair act. Because I issued a payment in the form of my medical insurance and instead XXXX didn't use the insurance instead they gave me a medication that put me to sleep and while I am out they convince someone to get in my belonging who is a third party and that is how they obtain the Discover card. I would have never given them my card. I should not be accountable for those chargeson my discover card. Discover need to refund two charges totalling {$2300.00} one for {$2000.00} and one for XXXX XXXX this way the hospital can bill the insurance like they should. XXXX should be held accountable for going the correct route to obtain payment. I submit a copy of my signature on my drivers license and a letter from the person who issued the hospital the card. I didnt attach but I also have a recording of me explaining to discover the situation and discover saying that a signature is not required and as long as the card is charged for services I am liable. I can present it later if needed.
07/30/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • PA
  • 17202
Web
My problem started last year with Discover ( XXXX ) but since they cant seem to find the record of the conversation I had with them, there is nothing they can do about it. So they say. It was about lowering my interest rate. So now it brings me to the more recent problem, which is again, about my interest rate. On XX/XX/XXXX at XXXX I sent a message asking what my interest rate is, ( I have screenshots of everything ) On XX/XX/XXXX XXXX I received the following messages, Hi, Im the Discover Virtual Assistant! If I cant answer your question, Ill connect you with to a live agent. The very next message I got was XX/XX/XXXX at XXXX, Your current purchase APR is 20.24 % variable. You can also find the APR on your statement. Simply tap the menu in the upper left, then Account, then Statements and choose the most recent month. I then replied on XX/XX/XXXX at XXXX, How do I lower it? Or do I just have to switch credit card companies? on XX/XX/XXXX at XXXX I was connect to a live agent and received the following message, I definitely understand how important it is to have a comfortable rate. Id be happy to reduce your standard APR of 20.24 % to a 17.49 % variable on new purchases. Is this something youd like to get set up now? On XX/XX/XXXX at XXXX I responded with, Sure. Thank you. On XX/XX/XXXX at XXXX the live agent responded with, No problem! The rest of the conversation is irrelevant ; however, I am posting pictures of the entire conversation. XX/XX/XXXX I called into discover because I saw an interest charge of just over {$25.00} and I know that number wasnt correct, given the new interest rate. When I called, I was told that the agreed upon amount was 18.49 % not 17.49 %, and that this kind of thing happens often. I explained to the girl that I have proof that we agreed upon 17.49 %. She didnt budge and told me in the notes it says 18.49 % and she even called over to the messaging center that I spoke with and they said they were showing 18.49 %. I took the 18.49 % change and was refunded my interest rate. I figured, maybe I was remembering it wrong, so as soon as I hung up, I checked the messages, and found that I did agree on 17.49 % NOT 18.49 %. I call back, and get a very helpful lady on the phone. But, I also go back to messaging Discover. On XX/XX/XXXX at XXXX I sent the following message to Discover, I just got off the phone with someone because when I messaged you guys on XX/XX/XXXX you told me you could lower my APR to 17.49 % and you never lowered it. Now she said when she called over to you guys you told her we agreed on 18.49 %. I can see the message where I was told 17.49 % please fix this and I would like a confirmation email that my APR has been lowered. On XX/XX/XXXX at XXXX I was transferred to a supervisor. I received the following message on XX/XX/XXXX at XXXX Hello ( My name ), I do apologize for this inconvenience in the difference between the reduction rates to your APR. I understand how important it is to get the lowest rate possible. After reviewing the messages weve had with you, I see on XX/XX/XXXX is when the option was presented however we did not receive a response from you until the following day meaning it was a new conversation when dealing with the APR we would be starting over in covering the offer. On XX/XX/XXXX you chatted with out automated system and you were asking about a possible lower option as you had offers from different banks. We still never got back to covering the offer and getting it accepted. Since then we didnt have contact till today when you called, given the time that has passed not all offers are the same from the day given this would be the reason as to why the reduction changed by a percentage. I know this is flustering in thinking a promise wasnt kept but due to not having your answer in the same day we were not able to accept the reduction on that day for you. Now the best option I have available as I see you did not accept the offer provided today. I can offer you a 0 % APR promotion for future transactions this would mean you have your APR reduced while getting a 0 % promotion for 12 months then after expiring you have the reduced APR. Would this be more to your liking? Now, Earlier on the phone I was told that I agreed to 18.49 % according to the messages that they reviewed, now he is telling me that I never accepted anything? Which is it, did I accept an offer or did I not respond? Also, when you do the messaging center, you talk with the automated thing first, so when I was talking to a person it was very clear to me that I was, in fact, talking with the same girl that offered me the lower APR to begin with. When I accepted the rate she even replied with, Sure!. After this whole ordeal I was told that my complaint would be sent to HQ. I never heard anything from HQ, so again, I go to the messaging center and they will not give me any contact info what so ever. I want to make sure that nothing is covered up and that my issue was in fact sent to the appropriate people, but since I cant confirm that, I have been letting everyone know how dishonest this company is. It is the sole reason that my husband will not open up a credit card with them and we will not be opening any other accounts with them. My name in the screenshots are covered for privacy.
01/08/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • 78702
Web
On XX/XX/2020 I went to make an online payment for my credit card at Discover. I had put {$150.00} to cover the late fee I owed, the monthly fee I owed, and a little bit extra so that my account wouldn't go into the negatives. Later that day I had chatted with an agent about the status of my payment because it was pending, and I had never had a payment pending before. The agent went on to inform me that my payment hadn't gone through and that I should be more than happy to place a new payment for myself. I said I would like that very much, she let me know the payment went through and I should see a statement for {$150.00} on my account in a couple minutes. A few hours had passed by and it still said it was pending, and my bank account still had the {$150.00} sitting there with no pending transactions. I called to check on the status of my payment again and a new agent let me know that the payment would go through at the end of the day around midnight, and not to worry. I asked her if it was just one payment because I had made two payments thus far, but let her know one of them had failed. She let me know that the one that failed would not be going through, and that only one payment of {$150.00} would be going into my Discover account. The next day I checked my Discover account to see if the payment went through and saw that {$300.00} was paid off and my Discover account went from {$530.00} to {$300.00}. I knew this was wrong because the account should've read {$380.00}, then I looked at my recent activity tab and saw that there were two payments of {$150.00} totaling a payment made of {$300.00}. I had assumed that this was a technical error on behalf of the Discover app, and that within a couple days it would correct itself and show it was only one payment of {$150.00}. I had continued to make a couple purchases on my account, but made sure I didn't go over {$150.00}, by the end of the month I had spent a total of {$78.00}. When I looked at my statement it showed that I went into the negatives and my account read {$530.00} with and available credit of - {$37.00}, when at the beginning of my XXXX payment it had said available credit of {$150.00}. With these numbers, that means I should've still had an available credit of {$79.00}, but I was in the negatives. That means {$110.00} just went missing because it is nowhere on my recent activity, there was no overdraft fee for that amount, there was no return fee for that amount, and there was no other spendings I made apart from the {$79.00}. I logged onto Discover yesterday to make my minimum payment of {$35.00}, and when I went to do so it let me know that my debit routing number was removed off my Discover account, and that I would have to fill it out again. I filled it out, everything was correct, and then it told me that the routing number could not be connected to my Discover account at the time and to contact my financial provider. I then called my bank, XX/XX/XXXX, to ask if there was any reason why my routing number wouldn't be able to connect to my Discover account, and they let me know that there was nothing that would restrict that. While I was on the call I asked what XX/XX/XXXX return fee policy was, and it is no more than {$30.00}. Once I got in contact with a Discover agent I let them know that I was having troubles placing my debit card onto their website to make my minimum payment for that month, and after a few ridiculous questions they finally told me it was because I made a return fee. That's why my routing number could not be linked to Discover. I then called XXXX back to see when the return fee was place on my account, and why I didn't see in my transactions on the app, that's when they informed me that there was never a second payment made through my XX/XX/XXXX account so there was no way there could have even been a return payment of {$150.00}. After getting off the phone with XX/XX/XXXX I contacted Discover once more asking why there was missing money from my account and they continued to insist that I must've done something with that money orXX/XX/XXXX. Anytime I would start saying the words " lied '', " fraud '', or " unappreciated '' they would send me to another agent and I would have to start the conversation all over again. I have screenshots of some of the conversations I had with the agents if the CFPB needs more evidence of what was going on. Even after I insisted that the missing money from my account was not a fee charge, they just kept telling me there was nothing that they could do about the money. I was very frustrated, none of my questions were getting answered, I kept getting blamed by Discover, and I still have no idea where my money went from my Discover account. I just want answers, and I feel like I am being played for a fool by this company. I don't have any way to add my routing number to the account to pay my minimum payment of {$35.00} this month, and that is due on XX/XX/XXXX. I just want to get to the bottom of all this, and I want to know why money mysteriously disappeared from my Discover account and I am back in the negatives even though I shouldn't be. In the last two screenshots I attached it shows how there is only one charge of {$150.00} on my account and now second charge or return charge.
08/15/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 17110
Web
I am writing in respond to letters and documents that have been sent without no reply. XX/XX/2018 I mail a letter of dispute with documents that I copied and sent. no reply. XX/XX/XXXX, and XX/XX/XXXX sent to more letters and I ready to send a fourth.The company XXXX is not keeping their end of the deal because they have been shut down by the FTC since XX/XX/2018. I was in my first month of just getting my XXXX XXXX started after using this credit card to help purchase membership with XXXX back in XX/XX/2018. This is to make clear the products not received as a result of the shut down. Standard affiliate : Back Office functions, reporting, affiliate tools, hosting, including banner ads on select products. XXXX : Back Office functions, reporting, affiliate tools, hosting, including banner ads on select products. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$190.00} ) XXXX XXXX XXXX ( {$190.00} ) XXXX XXXX XXXX ( {$190.00} ) XXXX XXXX ( {$290.00} ) XXXX Licensing Kit ( {$290.00} ) XXXX XXXX XXXX monthly XXXX XXXX XXXX in print and PDF Done for you Emails and lessons XXXX XXXX XXXX videos The XXXX products I also paid for the training Im not receiving, which is 23 more coaching sessions, live XXXX events which I could attend to learn more, all hotel, food, training by the best in the business and activities included. Also have lost the ability to use XXXX back office where all training products are located, which is part of the price I paid which I list some above. Each XXXX XXXX, XXXX, and XXXX are events that you attend to receive training in order to grow your XXXX XXXX and now those events are not being offered because of the shut down. These events offer summits that are a part of the package. XXXX XXXX offered these summits : XXXX Summit ( {$2900.00} ), XXXX Summit ( {$2900.00} ), XXXX Summit ( {$2900.00} ), XXXX Summit ( {$2900.00} ), XXXX XXXX Summit ( {$2900.00} ) You could bring a Guest to these XXXX XXXX ( {$1300.00} ). The XXXX XXXX were held at XXXX XXXX XXXX a XXXX resort in XXXX XXXX, XXXX XXXX which is part of the price of the XXXX, now no longer available due to the shut down. XXXX offered 5 Summits : XXXX XXXX XXXX Summit ( {$2900.00} ), XXXX XXXX Summit ( {$2900.00} ), XXXX XXXX Summit ( {$2900.00} ), XXXX XXXX Summit ( {$2900.00} ), and XXXX XXXX XXXX Summit ( {$2900.00} ) You could bring a Guest also ( {$1300.00} ) Last the XXXX XXXX you were to receive video recordings of some of the best speakers in the business, XXXX XXXX XXXX XXXX which includes 12 issues and I only receive 3 and am no longer receiving because of the shut down. Plus two video recordings of private consulting sessions with XXXX XXXX. Done for you e book funnel, Celebrity branding package, High ticket coaching, Done for you webinars. 11 days at XXXX XXXX XXXX resort for the summit trainings. So as you can see because of the shut down none of these products are being received and XXXX is not upholding their end of product service and rendered. You can not call them because of the shut down. -Description of Services/Products : XXXX is a business education platform. I paid and registered for a training program, sponsored by XXXX XXXX, to learn about online business practices and marketing techniques. XXXX XXXX which were 3 live training events ( XXXX, XXXX, and XXXX XXXX ), where I had to travel to XXXX XXXX or XXXX at a future date I choose to be trained and coached by the best in online marketing and advertising. Cost covered hotel stay, food, amenities and live trainings. This cost also includes continuous online training through XXXX websites and online coaching sessions that I could access whenever I want at my pace, and that new and fresh training will be posted continuously on the companys websites. I could choose any future date ( whenever listed by XXXX ) to attend the XXXX, and I could contact the coaches to receive online training via scheduling. Reason for not being to dispute with XXXX is because it is shut down.-REASON for DISPUTE : I made prepayment for these services/products listed above, but I have never received ( DID NOT attend any XXXX ) nor will ever receive in the future my goods or services due that this company ( XXXX XXXX ) has been under investigation and shut down by the Federal Trade Commission ( FTC ) for being a scam and fraudulent company. All XXXX sites have been halted by the FTC. They have a Temporary Restraining Order and all the company and its subsidiaries have been taken over on/about XX/XX/2018 by a Receiver named XXXX XXXX XXXX. There is no way I can contact the company in good faith for a reimbursement of my money. All communications in and out of XXXX have been cut, and they are legally not allowed to handle anything like this during the investigation. -Documentations : You can find more information about the company taken by the FTC at : -The Receivers name, XXXX XXXX XXXX , website at : XXXX Specifically, the following documents ( # 1a-3 can be found at the above Receivers site ) about the case listed below : 1a. Receiverships Appointment : XXXX XXXX XXXX 1. Initial Order : XXXX XXXX XXXX 2. Complaint : XXXX XXXX XXXX 3. Temporary Restraining Order : XXXX XXXX XXXX 4. An Article on the FTC website www.ftc.gov : www.ftc.gov/XXXX
04/27/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33897
Web
XX/XX/XXXX Discover Card Purchase XXXX {$1700.00} XXXX salesman promised they would provide me with 15 to 20 High Quality Real Estate Buyers per month for 3 months for $ XXXX/mo, but I had to pay in full up front. XXXX email advertisements to me before I became a customer said, wouldnt it be nice to wake up every morning with Buyers & Sellers in your email box waiting for your call. Yes it would, but that never happened. By XX/XX/XXXX I had only received 2 Buyer names, one was 100 % Bogus, the other of which would never respond to any of my calls, texts, or emails. I requested a full refund from XXXX, also providing but they refused. They also said they have no control if the buyers are bogus or not but they still counted against my 15 to 20 per month. WHAT!!!! I filed a dispute on XX/XX/XXXX with Discover Card. On XX/XX/XXXX I received an email from Discover Card stating they found in XXXX favor. This was unacceptable. On XX/XX/XXXX I emailed Discover Cards corporate headquarters. I submitted evidence of my claim, evidence of XXXX false advertising & bad review after bad review of other dissatisfied customers making the same claims. I was completely scammed & lied to by the salesperson & XXXX 's false advertising of their High Quality Buyers. I received emails nearly every day with their same claim of wake up every morning with Buyers & Sellers waiting for your call in my email box to work with. Again, this never happened. Discover Card had XXXX in corporate give me a call. He said hed look into it & get back with me in a few days. When he called again he said they still found in XXXX favor stating XXXX has an A+ Rating with the XXXX, that I signed an agreement & they can not do anything to help me & their decision stands. I said XXXX is not an accredited XXXX business & all the complaints are filed on XXXX XXXX XXXX, & the XXXX rating was false & inaccurate. I had not received anything I was promised nor anything of value & asked how I was supposed to get my money back or anything of value for this purchase. He said I would have to speak to the Merchant, XXXX. On XX/XX/XXXX I received a letter in the mail from Discover Card dated XX/XX/XXXX stating they found in the merchants favor including a letter from XXXX which stated their response on XX/XX/XXXX that I signed a 3 month agreement but that XXXX makes NO GUARANTEES on their performance. Did Discover Card really look into this as XXXX said, because they made their final decision on the same date I sent the email, on XX/XX/XXXX. I went over & over this with XXXX on the phone but he said there was nothing he could do & kept telling me they had an A+ Rating on XXXX. Again I said XXXX is not an accredited XXXX business & all the complaints are filed on XXXX XXXX XXXX, & the XXXX rating was false & inaccurate. But my rebuttal fell on deaf ears. Discover Card left me no choice but to crawl back to XXXX. They said they would keep my account active until they provided 45 Buyers. Remember I was supposed to receive 15 to 20 High Quality Buyers per month, which would be 45 to 60 High Quality Buyers total in 3 months. A supposed buyers name trickled into my email box a few times a month. As of XX/XX/XXXX I had only received 27 supposed Buyer names, with at least 5 absolutely 100 % bogus, which still counted towards my numbers. How can XXXX advertise & claim Go Ahead, Picture Yourself at the TOPQuality Leads, Quality Life on their website. Not one buyer name provided was a Quality Buyer. Only 2 even gave me the opportunity to speak to them & they werent interested. On XX/XX/XXXX I received an email from the owner of XXXX he was closing effective immediately due to Covid19. I emailed Discover Cards corporate offices on XX/XX/XXXX with this information, reminding them of this crooked business, requesting this charge be reversed in full, requesting {$1700.00} be refund back to my card, stating The Fair Credit Billing Act passed in 1975 gives me the right to dispute a charge if Im dissatisfied & the merchant didnt provide satisfactory goods or service. I did so on XX/XX/XXXX. I also stated Discover Card did not do right by this Act in their decision & they did not protect me as a credit card customer. I stated this merchant baited consumers with false claims & false advertising & did not provide anything of value in return & did not provide satisfactory goods or service. XXXX was a total SCAM, RIP-OFF, A SHAM, APPALLING, UNSCRUPULOUS, MISLEADING, AND A FRAUD!!!!!! According to The Fair Credit Billing Act I demanded a full refund of {$1700.00} processed immediately back to my Discover Card account. Again corporate had XXXX call me appeasing me that hed look into it again. I received a call again today XX/XX/XXXX, their decision remains unchanged & they find in favor of XXXX. So the owner of XXXX walks away with my money without providing anything of value in return, without providing Quality Buyers in return & walks away with thousands, probably millions of dollars the rest of the public without providing Quality Buyers & Quality Sellers & without providing anything of value in return. Ive seen these kind before. XXXX had so many bad reviews hes closing up under the name XXXX & will reopen in a new business name with a clean slate.
11/01/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • CO
  • 80031
Web
This is an escalation to the NUMEROUS billing errors and notices of dispute I have sent to DISCOVER FINANCIAL SERVICES since XXXX of this XXXX, which your organization failed to respond to.I am writing on my own behalf, with no help from anybody or anything but the law available to all people of these United States of America. I am well aware that my consumer rights have been and continue to be violated. From the start of the supposed business agreement, purported to be a contract, DISCOVER FINANCIAL SERVICES has engaged in fraudulent and abusive debt collection activities, infringing on my right to privacy and undermining my faith in the banking industry and economy as a whole, rights guaranteed to every consumer. Every credit sale after XX/XX/XXXX is subject to consumers ' claims and defenses for unfair or deceptive acts or practices pursuant to 16 CFR 433.3. The credit sale I engaged in with DISCOVER FINANCIAL SERVICES is no exception. Per the definitions in 16 CFR 433.1, DISCOVER FINANCIAL SERVICES is subject to consumers ' claims and defenses by way of being a seller. I, the consumer, was never apprised of the creditor 's business arrangement with the seller at the consummation of the original credit sale. Meaningful disclosure of the determination of the finance charge was not provided pursuant to the form of disclosure enumerated in 15 U.S. Code 1632. Documentary evidence shall reveal that my obligation was fulfilled upon signing/endorsing the instrument, the beneficial and security interest of which were not disclosed to me. As defined in 16 CFR 433.1 ( i ), the instrument I endorsed is the consumer credit contract when it was hypothecated and collateralized to fund the credit sale. Many instances of noncompliance occurred when it was subsequently sold and/or assigned to multiple transferees and/or assignees without mutual assent, consent, and notice to me as I have controlling security interest, constituting fraud in multiple ways : 1. Absence of consideration ( I received a " thought '' for my security- no benefit. All contracts must have consideration to be valid ). 2. Absence of disclosure of all facts regarding the use of a promissory note and my signature, violating the U.S. Code 's Truth in Lending Act ( TILA ) and Code of Federal Regulations ' Regulation Z. 3. Absence of disclosure of data-s haring provisions in violation of the Gramm-Leach-Bliley Act ( GLBA ), without the option to decline the sharing of data with furnishers, agencies, or servicers, along with reporting. 4. Monetization of the originating instrument was not disclosed to me. I was not told about the process to monetize a security interest or the secured transactions which were to subsequently take place concerning my chattel paper. 5. Denial of disclosure of the banks relationship to the " trustee and beneficiary, '' amounting to concealment and voidance of the contract. The debenture trustee was concealed from me. 6. I have reason to believe and do so believe that there was forged alteration of the original instrument because it could not have been monetized without augmenting my blank endorsement, even via the use of a special endorsement. 7. My accord and satisfaction instrument, USPS Postal Money Order # XXXX, was cashed ( see attached exhibit ) and the balance was not credited to the account pursuant to UCC 3-603 and UCC 3-311 . A formal notice of dishonor was not issued to me in the event of a defect or dishonor of my special indorsement. I am aware that I am entitled to a refund of alleged repayments and damages of at least twice the finance charge for the violation of 15 U.S. Code 1635 due to my right of rescission never being boldly, simply, and clearly disclosed to me. I was never given a rescission form at the closing of the contract. I have reason to believe and do so believe that DISCOVER FINANCIAL SERVICES is a creditor engaged in communication in violation of multiple cease and desist notices from me, and is in violation of debt collection consumer protection laws pursuant to 15 U.S. Code 1692c ( a ) ( 1 ) and 15 U.S. Code 1692c ( a ) ( 3 ). As the consumer, I am aware of the definition in 15 U.S. Code 1692a ( 6 ) that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts. '' I have never given express consent to DISCOVER FINANCIAL SERVICES to communicate with me for the purpose of debt collection, thereby violating 15 U.S. Code 1692c at large. DISCOVER FINANCIAL SERVICES has violated 15 U.S. Code 1692c ( b ) by sharing my personal private information, including location information with consumer reporting agencies. I do not give DISCOVER FINANCIAL SERVICES or any party permission to bring legal action against I, the consumer, as this would be a violation of 15 USC 1692i ( b ). DISCOVER FINANCIAL SERVICES have furnished deceptive forms to instill in the consumer the belief in the consumer that a debt is owed, in violation of 15 U.S. Code 1692j. I consider every word that DISCOVER FINANCIAL SERVICES have uttered in connection with debt collection to be obscene and profane language in violation of 15 U.S. Code 1692d ( 2 ).
10/30/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AZ
  • 85006
Web
I was scheduled to have a revision XXXX done with XXXX XXXX XXXX, XXXX. of XXXX XXXX Surgeons on XXXX/XXXX/XXXX for a previous XXXX XXXX XXXX already paid {$11000.00}. for which was unsuccessful and the XXXX agreed to do over for the cost of the XXXX 's & XXXX room time of {$1200.00}. During my pre-op appointment a week prior to XXXX, XXXX/XXXX/XXXX ( they would not schedule me sooner, which is normally XXXX weeks prior XXXX XXXX XXXX tried convincing me that I should add a unnecessary XXXX to my already scheduled XXXX which would cost an additional {$9700.00}. I was pressured to pay this amount immediately and was given many stories as to why I should do this, even though XXXX XXXX had told me just a few months prior in another consult that this XXXX was unnecessary for years to come. I gave into the pressure as my father has just XXXX away and I was feeling very vulnerable. On XXXX after receiving numerous calls from the office XXXX pressuring me to submit payment I reluctantly provided two credit cards to the office manager, placing {$4000.00}. on a Discover Card, which was the card I previously used only two weeks prior when I placed the original XXXX amount of {$1200.00}, and the remaining amount of {$5700.00}. on my XXXX XXXX card. After thinking over what I had done during the course of the weekend, whereby the XXXX 's office was closed, I called XXXX XXXX 's office that Monday, XXXX/XXXX/XXXX, only one business day later, with the transactions still in pending mode, to cancel the XXXX. I was told by the office manager that because it was a week out from XXXX that I was unable to cancel and receive a refund. I was shocked and at that time the office XXXX called and left this on voice mail the office was closed. I called back and pressed option XXXX to speak with XXXX XXXX and from the moment I called him he was a bully, interrupting me, not allowing me to speak, when I finally got out why I was calling him he at no time asked me why I felt I needed to cancel. His only focus was on the money he was to lose, and being inconvenienced from having to move his XXXX schedule around, while comparing my situation to purchasing an airline ticket. I hung up crying feeling defeated. There was no way I could possibly see XXXX XXXX again, much less have him operate on me to do the original revision XXXX. I wrote a letter to XXXX XXXX 's manager XXXX detailing why I felt uncomfortable and needed to cancel XXXX. Letting them know that I no longer had trust in XXXX XXXX as a surgeon. I also expressed to them that had a recorded call whereby XXXX XXXX said several times in the conversation that " I do n't ever want a patient that ever feels uncomfortable to get work done with me. But, listen even if later you reconsider and you find yourself waking up in a cold sweat, we will be just fine, do n't worry about us, we will be happy to give you your money back and you could go to anyone you 'd like, I can give you some names of people, but whatever it is I just want you to be happy. And, " You have all the way up to the day of, so do n't think you have to go through with it. '' And, " I 've never kept one deposit ''. The office refuses to reimburse my credit cards, now totaling {$10000.00}, for the revision XXXX of {$1200.00}. plus the add on XXXX of {$9700.00}. between two credit cards. Since then I 've filed a claim against XXXX XXXX with the Arizona XXXX XXXX, as he is already on probation with them and has lost the use of hospital privileges, due to having a felony on his record for breaking and entering into a medical facility and stealing narcotics for a XXXX addiction he had & I reported that he plans to keep my money. The medical boards states on their site under : Arizona Revised Statutes for MD 's - Definitions XXXX # XXXX - Unprofessional Conduct ( u ) Charging for a fee for services not rendered. I also filed a complaint with the Attorney General 's Office against XXXX. XXXX. And, a dispute with both Discover Card as well as XXXX XXXX card. When I called XXXX to file the dispute, several times calling back with additional information, they XXXX ) refused to submit the claim for 15 days XXXX ) They had no compassion in the conversation for what I 'm going through as their customer XXXX ) They have said each call that I 've placed that none of the information counts that I gave them that they base everything on the financial documents that I sign. However, XXXX XXXX card took my disputes and filed them immediately, offered compassion for what I 'm going through in all of this and has not only temporarily refunded my card in full during the investigation process, but has also removed the money from XXXX XXXX account. At this point I feel Discover card is abusing the system by allowing XXXX XXXX to receive payment for services not rendered, as I was clearly pressured into having this XXXX done, as well as into reading & signing their 40 pages of paper work/financial docs under duress, in a matter of approximately 5 minutes while being rushed the entire time. It 's simply unethical to ask for payment for services not rendered. I feel completely uncomfortable allowing XXXX XXXX to operate on me after the way he treated me with verbal abuse & unprofessional conduct.
11/30/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • GA
  • 30310
Web
Subject : Urgent Matter Application, Forensic Audit and Securities Trading Dear Discover Financial Services and Discover Bank, I hope this letter reaches you in good health. I am writing to bring to your attention a matter of significant concern regarding the handling of applications submitted to Discover Bank, which have been converted into securities and subsequently traded on the secondary market. It has come to my attention that my applications, in particular, have been utilized for this purpose, and I believe there are critical issues that require immediate attention and resolution. My applications were submitted to Discover Bank under the understanding that they would be processed in accordance with the terms outlined in our binding agreement, and that in return for the investment, I would receive the agreed-upon products and services. However, it has come to my knowledge that these applications have been transformed into securities for trading on the secondary market without my explicit consent. I would like to draw your attention to the following points : Security Trading and Capital Generation : The conversion of applications into securities for trading on the secondary market is a practice that, according to my understanding, was not disclosed in our initial agreement. This has raised concerns about the potential misuse of my personal information and the financial benefits derived from these securities trading activities. Forensic Audit : I have considered a forensic audit to expose XXXX numbers associated with the securities generated from my applications. This audit aims to determine the amount of money these securities have generated and whether this aligns with the terms of our binding agreement. Material Evidence : As outlined in Discover Financial Services and Discover Bank 's XXXX, XXXX, Prospectus, and Indenture Agreement Form, these documents serve as material evidence of the company 's objectives to attract investors and generate capital through various means, including the trading of securities. Tort Actions and Discrimination : The attempt to use non-public personal information without my explicit written consent for the purpose of discrimination and fraud is deeply troubling. These actions have caused harm to my personal well-being, reputation, and have resulted in the denial of my rights and titles to monthly bonds, interest payments, and proceeds. Upon a thorough review of the XXXX form which is accessible through the Securities Exchange Commission ( SEC ) website, it has become apparent that there are areas where both the parent company and its subsidiary may be at risk of noncompliance and legal ramifications. I believe that it is imperative that this matter be promptly presented to the Risk Committee and the Board of Directors to initiate a comprehensive review and take necessary actions to prevent further damage. The specific points of concern include : Noncompliance Risks : The XXXX form indicates potential areas of noncompliance that may expose both Discover Financial Services and Discover Bank to legal and regulatory risks. Legal Implications : Failure to address the identified noncompliance issues could result in legal implications, fines, and damage to the reputation of both entities. It is crucial to assess the severity of these risks and take corrective measures immediately. Responsibility of the Risk Committee : Given the nature of the risks outlined in the XXXX form, it is the responsibility of the Risk Committee to conduct a thorough analysis, assess the potential impact, and formulate strategies to mitigate these risks effectively. Board of Directors Oversight : The Board of Directors should be informed promptly about these compliance and legal risks to ensure transparency and to enable them to make informed decisions that safeguard the interests of the company and its stakeholders. Preventative Measures : Immediate action is necessary to implement preventative measures that align with regulatory requirements and ethical business practices. This will help in safeguarding the company 's integrity and protecting against further legal and compliance risks. I strongly recommend convening a special meeting of the Risk Committee and the Board of Directors to address these concerns. Timely and decisive action is crucial to protect the best interests of Discover Financial Services and Discover Bank. If the proper party is unwilling to provide a remedy for these actions within 21 business days from the receipt of this letter, I intend to use the findings from the forensic audit, along with the aforementioned forms and exhibits, as evidence to recollect all proceeds generated from the security investments. On or before XX/XX/2023, there will be a letter sent by registered mail to both the Parent Company and its Subsidiary ( Discover Bank ). This parcel will contain a medallion-stamped or notarized letter reiterating these concerns. I implore you to treat this matter with the urgency and seriousness it deserves to avoid further legal action. I look forward to a prompt and amicable resolution to this issue. Sincerely, XXXX XXXX XXXX | Agent For XXXX XXXX | Principal Email : XXXX Phone : ( XXXX ) XXXX
10/08/2020 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Need information about your loan balance or loan terms
  • NY
  • 11566
Web
I have had issues with Discover since the start when my loans were syndicated to Discover from XXXX. First, XXXX had offered a program where they would reduce your interest rate if you made XXXX on-time payments, which I did, but then at that point they were syndicated to XXXX. They refused to honor the program despite XXXX telling me that XXXX had agreed to do so. I must have spent 25-30 hours printing out old emails from XXXX and fighting with XXXX about how they should honor the interest rate deduction. XXXX finally agreed after MONTHS of fighting with them. Then another issue arose in the spring of XXXX when I tried to make a large payment toward my loan to get a lower monthly payment. I called the 800 number and spoke with someone who told me which loan to apply it to and the subsequent reduction in my monthly. Based on that call I actually added another couple XXXX to the payment because the monthly amount the person had told me was a lot lower and I wanted lower monthly bills. A few weeks after that, I got my student loan bill and it hadn't dropped by nearly as much and something seemed off. I called and spoke to who knows how many people and eventually had it escalated to some higher-ups ( XXXX XXXX and XXXX XXXX, but it seems neither of them work there anymore ) who were unable to, after hours of calls, tell me how my monthly payment was calculated. They sent spreadsheets that looked like XXXX documents and were not at all coherent and no one could explain then to me. I never knew what my amount was. Further, in connection with the large sum I had paid to lower my monthly payments, they took it upon themselves to extend the term of my loan ( which was part of the reason that the monthly amount hadn't gone down as much as I'd wanted it to ). I believe there are several Discover cases pending or in arbitration for this exact issue. They also would not honor the lower monthly amount the customer service rep had quoted me which had prompted me to make a larger payment. So ... after all that, I basically had them refund me my money, go back to my regular loan term and by then was so fed up with it and also XXXX so could not handle the stress so that I dropped it. Then in the fall of XXXX, I noticed that my automatic payment was less than it had been previously. When I looked further it seemed that the interest rate had increased but my payments were lower. This confused me so I called the customer service line and was told that I had been overpaying previously on minimum payments and this had been corrected when the interest rate was adjusted ( because it was based on prime so had gone up ). When I asked by how much and for how long, again no one could tell me and no one had any information. A week or so after that, my minimum payment amount went back up and when I asked about it, they said there had been a mistake. At this time I again asked how my minimum was calculated, and shocker, they couldn't tell me. I was so fed up at this point I refinanced with another bank ( XXXX XXXX ) who offered a better rate, but had to extend the term of my loan for another 5 years to get it. A couple of months ago I received a letter and check from Discover Student Loans dated XX/XX/XXXX stating that my Minimum Payment Due amount was higher than it should have been on two loans. I was sent a check for {$330.00} which I did not cash as I see it a settlement regarding claims with respect to the amount they forced me to overpay. I knew all along my monthly payment was too high and this confirms it. It is criminal that no one could tell me how my monthly payment was calculated with all the effort I put in to find out and then they send a check - which is clearly a settlement check shamefully disguised as a windfall - years after I moved my loans from Discover to another lender because I couldnt handle dealing with Discover anymore. The check amount is also appallingly low and should cover ALL of my loans, not just two, so when I called Discover to find out how that amount was calculated, not unsurprisingly, no one could tell me. I spent 40-60 minutes on the phone on two separate occasions being passed from rep to rep with no results and ultimately a shallow promise that someone would call me back with the information. No one did. I also tried emailing the people who Id been in contact with in XXXX ( XXXX XXXX and XXXX XXXX XXXX but no response. The check could not possibly cover the full amount I have overpaid, I had around $ XXXX $ XXXX in student loans with Discover. Also, the check does not at all take into account the lost opportunity cost of the money they essentially stole from me and held onto for however many years. Not to mention the hours and hours I have spent on the phone with Discover trying to find out how my minimums were calculated. Information that should be readily accessible. In addition, I wonder how many people have cashed their meager checks not knowing they were accepting a settlement. Discover Student Loans is predatory and criminal in terms of the the interest rates they charge, their refusal to honor programs to reduce those rates and their lack of transparency as to how minimums are calculated and amounts owed.
02/02/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 90732
Web Servicemember
On XX/XX/2017, I went to XXXX XXXX in XXXX, CA and purchased a XXXX refrigerator and a XXXX dishwasher. Pictures are attached, both appliances were complete/no parts missing except that the salesperson XXXX said that he thought a waterline might be missing from the installation kit for the XXXX dishwasher but he reassured us one would be on the truck when both appliances were delivered on Saturday. I emphasized that this was important, as the plumber told me to inquire about this so everything would be ready when the plumber came to hook up the dishwasher and he wouldn't have to charge us extra for the part and the time to go and get it. When the delivery arrived on Saturday, not only was the dishwasher missing the waterline, it was also missing 1. a spray arm 2. the bottom kickplate and cover for the electrical connection. The refrigerator was also missing a shelf for the door on the right side. When this happened, I was glad that I had called Discover Card and requested chargeback because the merchandise was missing parts that limited their functionality and also caused me to have to pay the plumber {$30.00} for the part and another {$70.00} for the extra time it took him to get the part. We had the installer for the dishwasher note the missing parts on the delivery receipt, and the delivery receipt for the refrigerator was also noted as missing a shelf by the delivery team. We immediately called XXXX XXXX, and were told we needed to talk with XXXX but he was " on the floor '' and would call us right back. It turned out to be very difficult to get hold of XXXX or anyone else who could help us. Also, we discovered that XXXX also worked at XXXX XXXX which we didn't know at that time had bought out XXXX XXXX. After a couple of weeks, my husband got hold of XXXX who said he would order all the missing parts and credit us for the missing water line and the extra plumber 's charge. That never happened and things got worse. The soap dispenser on the dishwasher broke. The Tuesday before XXXX, the refrigerator gave out when I had {$700.00} worth of food for a big family gathering and XXXX XXXX said it couldn't help because it was " over 30 days since the purchase '' They referred me to XXXX customer service which told me the model we were sold was over 1 year old and unless we had extended warrantee or proof of recent purchase, they wouldn't do the repair without full compensation. We were NEVER told that this was an old model refrigerator. My husband had to take time off from work to go to XXXX XXXX and get the paperwork necessary for XXXX to honor the warrantee. The parts that were ordered for the dishwasher and refrigerator turned out to be the wrong parts, and though we were assured that they would re-order the correct ones immediately, they didn't get the right parts until mid-XX/XX/XXXX. XXXX 's authorized repair service didn't have the parts available. Both my husband and I called countless times to XXXX XXXX trying to get hold of a manager or someone who could help us. We had to buy lots of very expensive dry ice to try and keep the refrigerator cold but most of the food ended up spoiling. It totally ruined our XXXX. I had gotten confirmation on my XX/XX/XXXX statement that Discover had removed the charges for both the dishwasher and the refrigerator so I had at least the consolation that I was not going to pay for non-working appliances. At the end of XX/XX/XXXX, I finally got hold of a manager and they took my non-working refrigerator and replaced it with one they had in stock that didn't have handles. After 3 attempts, the XXXX XXXX XXXX XXXX finally got the parts and fixed the dishwasher just before XXXX. Regarding the chargeback, we had submitted the receipts and notes from the installer early in the process to Discover as instructed. Then 2 weeks ago, I got a letter from Discover telling me that the chargeback was reversed because " XXXX XXXX refused to accept the chargeback '' I immediately called Discover customer service, and found out that without my knowledge DISCOVER HAD CHANGED THE DATE OF MY CHARGEBACK REQUEST TO XX/XX/XXXX!! The representative that I talked to could not explain the faintly printed strip that XXXX XXXX had submitted as their " proof '' that their charges were correct and everyone ignored the fact that I had dealt with XXXX XXXX and requested the chargeback to the seller-XXXX XXXX. I asked for a supervisor from Discover to call me back. I called twice more and was assured that someone would " call me back within 24 hours '' but no one ever has. I find this completely unacceptable. XXXX XXXX sold me defective merchandise and never compensated me for missing parts, repair charges, spoiled food etc. If it is true that Discover never notified XXXX XXXX/ XXXX XXXX until XX/XX/XXXX, why was the charge removed on the date I requested as shown on my XX/XX/XXXX statement which I have attached. More than 90 days had elapsed since I had notified them of my chargeback request and it is totally unethical that they would " fix '' the paperwork so that the response from XXXX XXXX appears to be submitted within the proper time frame Please see the 11 attachments
10/30/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • KS
  • 672XX
Web
I'm still workikng with XXXX XXXX from Discover Mortage! I was told to Start a New Application. This time I was informed I'm pre-Approved. The Loan is in the final Stages. I was asked to take care of 2 debts listed on Credit Report. The following are the debts listed on my XXXX Credit Report : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1500.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$1500.00} {$1300.00} XXXX XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$680.00} {$680.00} Payment Info Original loan amount {$680.00} Balance {$680.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX -- -- I called the XXXX XXXX and they said they could not take the Payment. They referred me to the XXXX XXXX! -- - I called XXXX XXXX and a SUPERVIOR XXXX advised me I could pay the whole debt off yet she tranfered me back to the Calling Q hotline. -- The Next Service Agent at XXXX XXXX said they could not take payment and that the DEBT had been transferred to XXXX XXXX XXXX XXXX -- - I called XXXX and the Receptionist transferred me to various voice recordings. -- - XXXX XXXX Voicemail was RUDE. She said if you did not leave the information that she DEMANDED/ '' REQUIRED! '' she would put your name at the bottom of the list and may possibly " DELAY '' ever calling you back. -- - The Voice mail of XXXX says FEDERAL LAW REQUIRES the information! I was under the understanding that FEDERAL LAW protects your privacy especially when asking for PRIVATE/PERSONAL information. I left my name/phone number and did not get a call back in the 48 hours that was promised. I left several voice mails over the last WEEK. The only one that answers is the SECRETARY. They try to use the XXXX building as their office and list the BUILDING on their AD in a FRAUDULENT manner. Today, the SECRETARY hung up on me, yet XXXX XXXX the Creditor said they verfied a PO BOX as to where to send payments too ... They said my payment may get lost/stolen. I called Discover and was told they would document my concern. GUIDELINES require Discover to use " SEASONED '' Funds that have been in my Bank account for over 60 DAYS. I notified DISCOVER that I would most likely be able to get contact with XXXX. Most likely they would not respond to my calls NOR send me a receipt as they have over 30+ complaints about how shady they are. Many have complained about stolen money.. Not getting propper credit and the RUDENESS in which this company treats their customers. Discover said she would and I quote " HEAVILY '' Document/notate my concern and that all I should need to prove is the CHECK for the Exact amount of what is listed on the Credit report to prove that the Payment was made.. I was told to provide the check and any possible info that would prove my case yet NO GURANTEE that they would accept the evidence in which I provide them! How can the ORIGINAL XXXX XXXX that hired XXXX XXXX not know that XXXX XXXX assigned their Debt to XXXX??? How can XXXX XXXX the DEBTOR not take payment? How can I pay a debt in which the XXXX XXXX XXXX PA does not answer or respond! I even spoke with the LANDLORD/Owner XXXX of the XXXX XXXX XXXX. Due to the complaints and people they posted a note that the XXXX does not have a office there. In fact I was told they have not had an office for over 12 years. They have a posted note in the lobby that states they just receive PO BOX there. I'm guessing i'm not the only one with problems by looking at the online complaints. Many go in with their " SEASONED '' checkbook and sadly have to wait for the XXXX XXXX to call them back! They should not be allowed to be associated with LAW or call themselves any type of attorney! I was told that My LOAN may get DECLINED as I am required by their set of guidelines to settle this debt before they would approve the LOAN! Again, I was promised they would DOCUMENT with no gurantee. I let them know that with all the PROBLEMS I have had I would be adding this complaint until the issue is resolved! The Second Debt Collector was XXXX XXXX XXXX Student Loan. This is a legitmate company that will send me receipt. Will answer any phone calls. They were able to setttle the Debt right on the SPOT as a REPUTABLE company should! I had to drive down town to the XXXX OFFICE twice and pay for metered parking to find that FRAUDULENT company just uses a PO BOX ! I took photo copy of my check. I requested a SIGNATURE from the POST OFFICE. Over {$7.00} to ensure the XXXX XXXX accepts my Payment! I enclosed a DETAILED Letter to XXXX with all the Information that XXXX had requested on her Voice mail! This should prove that I have made every attempt possible and should not constitue DISCOVERS Automatic DENIAL of my application! Hopefully, Discover will HONOR what they said in documenting all of this information but at this point I HAVE NO IDEA!
11/30/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • GA
  • 30310
Web
Subject : Urgent Matter Application, XXXX XXXX XXXX XXXX XXXX Dear Discover Financial Services and Discover Bank, I hope this letter reaches you in good health. I am writing to bring to your attention a matter of significant concern regarding the handling of applications submitted to Discover Bank, which have been converted into securities and subsequently traded on the secondary market. It has come to my attention that my applications, in particular, have been utilized for this purpose, and I believe there are critical issues that require immediate attention and resolution. My applications were submitted to Discover Bank under the understanding that they would be processed in accordance with the terms outlined in our binding agreement, and that in return for the investment, I would receive the agreed-upon products and services. However, it has come to my knowledge that these applications have been transformed into securities for trading on the secondary market without my explicit consent. I would like to draw your attention to the following points : XXXX XXXX and XXXX XXXX : The conversion of applications into securities for trading on the secondary market is a practice that, according to my understanding, was not disclosed in our initial agreement. This has raised concerns about the potential misuse of my personal information and the financial benefits derived from these securities trading activities. XXXX XXXX : I have considered a forensic audit to expose XXXX numbers associated with the securities generated from my applications. This audit aims to determine the amount of money these securities have generated and whether this aligns with the terms of our binding agreement. Material Evidence : As outlined in Discover Financial Services and Discover Bank 's XXXX, XXXX, Prospectus, and Indenture Agreement Form, these documents serve as material evidence of the company 's objectives to attract investors and generate capital through various means, including the trading of securities. Tort Actions and Discrimination : The attempt to use non-public personal information without my explicit written consent for the purpose of discrimination and fraud is deeply troubling. These actions have caused harm to my personal well-being, reputation, and have resulted in the denial of my rights and titles to monthly bonds, interest payments, and proceeds. Upon a thorough review of the XXXX form which is accessible through the Securities Exchange Commission ( SEC ) website, it has become apparent that there are areas where both the parent company and its subsidiary may be at risk of noncompliance and legal ramifications. I believe that it is imperative that this matter be promptly presented to the Risk Committee and the Board of Directors to initiate a comprehensive review and take necessary actions to prevent further damage. The specific points of concern include : Noncompliance Risks : The XXXX form indicates potential areas of noncompliance that may expose both Discover Financial Services and Discover Bank to legal and regulatory risks. Legal Implications : Failure to address the identified noncompliance issues could result in legal implications, fines, and damage to the reputation of both entities. It is crucial to assess the severity of these risks and take corrective measures immediately. Responsibility of the Risk Committee : Given the nature of the risks outlined in the XXXX form, it is the responsibility of the Risk Committee to conduct a thorough analysis, assess the potential impact, and formulate strategies to mitigate these risks effectively. Board of Directors Oversight : The Board of Directors should be informed promptly about these compliance and legal risks to ensure transparency and to enable them to make informed decisions that safeguard the interests of the company and its stakeholders. Preventative Measures : Immediate action is necessary to implement preventative measures that align with regulatory requirements and ethical business practices. This will help in safeguarding the company 's integrity and protecting against further legal and compliance risks. I strongly recommend convening a special meeting of the Risk Committee and the Board of Directors to address these concerns. Timely and decisive action is crucial to protect the best interests of Discover Financial Services and Discover Bank. If the proper party is unwilling to provide a remedy for these actions within 21 business days from the receipt of this letter, I intend to use the findings from the forensic audit, along with the aforementioned forms and exhibits, as evidence to recollect all proceeds generated from the security investments. On or before XX/XX/2023, there will be a letter sent by registered mail to both the Parent Company and its Subsidiary ( Discover Bank ). This parcel will contain a medallion-stamped or notarized letter reiterating these concerns. I implore you to treat this matter with the urgency and seriousness it deserves to avoid further legal action. I look forward to a prompt and amicable resolution to this issue. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/26/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • FL
  • 33321
Web
Re : XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received an email from Discover Card alerting me to a new charge posted to A past account which was closed in XX/XX/XXXX, activated in XX/XX/XXXX. The charge was a charitable donation {$15.00} made to the XXXX XXXX started by me in XX/XX/XXXX once a month and ended in XX/XX/XXXX. I was alarmed at a charge which was clearly fraudulent since the donations had ceased 3 months short of 2 years ago and which the organization, the XXXX XXXX did not seek authorization for renewal of the donation as evidenced by their lack of my current account number. I contacted Discover card immediately and spoke to XXXX, XXXX and XXXX and was very disturbed at their support of the transaction, stating that the charge was a result of a contract between me and the merchant, for a recurring charge that they could not stop or remove at my request, completely invalidating the fact that the charge had ceased in XX/XX/XXXX and was obviously Not recurring. They added that The only way to stop the charge was to contact the merchant. I contacted the XXXX XXXX organization on the same day and spoke to XXXX XXXX, Associate Director and complained re the unauthorized charge made by them on an old closed account. XXXX could not explain how that happened but agreed when I requested immediate cancelation of any donation resumed on XXXX XXXX. He agreed and promised an email confirmation. I then received a confusing unsatisfactory email which was an auto renew membership cancelation stating that my Monthly XXXX membership was canceled .... but that my Membership status was current. This was clearly a deceptive business practice aimed at setting me up for continued future charges. I then wrote XXXX a letter on XXXX XXXX which I emailed repeating my complaint which I reported to him by phone and noted that the email he promised referred to a continuation of a membership. I clarified that I had no relationship with the XXXX XXXX organization other than simply as a donor and as we agreed that since my donations are canceled, I have no other interaction with them. I again requested the cancelation notice I requested per our phone call. XXXX XXXX, I received an email from XXXX stating that my recurring donation membership was canceled and the XXXX XXXX {$15.00} charge was Refunded to me. On XXXX, I contacted the Fraud division of Discover card and spoke to XXXX XXXX I again filed a Fraud complaint re the events since XXXX XXXX with special grievance against the Discover card handling of the obvious erroneous charge made to me on my account. I received a new card with a new number. An investigation was done by them and concluded that the transaction was not authorized by me on both the Old account and the current account, however the notice did not make clear that the old account was closed. On XXXX XXXX, I contacted Discover card and spoke to XXXX XXXX re persistent confusion re the status of my accounts as the responses to my complaint in this matter were still referring to an account which was closed in XX/XX/XXXX. I requested that I be provided with written letter confirming the closed account, as I had from other creditors when accounts were closed. Pg 2 XXXX XXXX XXXX XXXX XXXX stated that written confirmation of account closure could only be done if I closed the entire account.I therefore closed It was clear to me that the Discover card management of my credit card placed me at high risk for Fraud by allowing charges on card numbers that were discontinued effectively eliminating my right to decide that I will inccur a charge or even be aware that one is being made. I therefore closed my entire account to protect my account from fraud. It was always clear that I did not authorize the charge that the charitable organization made since IF they reached out to me for my authorization to renew the donaton as they should, they would have asked for my new card number which both they and Discover card knew they did Not have. That is the procedure followed by XXXX XXXX and XXXX just to name a few charitable organizations to which I donate. At the present, Discover card has Not sent me a closure statutes letter and in addition, I continue to receive monthly statements under the last account number which had been given to me after my XX/XX/XXXX report to Discover Fraud Division. The statements I am receiving are that of an active open account which states under heading Important information ... .This email was sent to ( my email ) for Discover account number ending in ( the last card given after XX/XX/XXXX ). You are receiving this email because you are a Discover card member. I called Discover card on XXXX XXXX and s poke with XXXX memo line XXXX and he confirmed that my account was closed and had a negative balance aths I was owed {$4.00} which they paid me by check dated XX/XX/XXXX. I am asking that Discover send me an account closure letter and clear my status in their system since they are still sending me emails stating I am a member. I will re state that my relationship with Discover card consisted exclusively in a charge account ONLY and that charge account was closed on XXXX XXXX.
03/04/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 77388
Web Servicemember
On XX/XX/XXXX I received a call from a local number that I didn't recognize. I sent it to voicemail however it didn't leave a message. I tried calling the number back but it stated " this number doesn't take incoming calls ''. The number called again, so this time I answer and the voice on the other side says " This is a locating service and we have a debt that is pending lawsuit against you and we can only give you a ID number and a phone number to call to get this resolved ''. This was a surprise to me because I didn't remember receiving any letters of notification on any legal matters. I called the number they gave me and gave the receptionist the ID number XXXX and I was transferred to XXXX ID # XXXX. XXXX stated that " she was with XXXX & XXXX and was collecting on a Discover Card account and they have made several attempts to collect on this debt and she was looking at my credit report and she can see that this debt is mine from XXXX ''. I then replied " this is not my debt because I have never in my life had a Discover Card ''. She basically said " its on your report and we are going to file suit against you for this debt and you will be liable for much more ''. I explained to her that I am a State of Texas License Mortgage Loan Originator and I look at my credit all the time and she said " There is no way that you can be a mortgage Loan officer with the debt on your credit report '' She then began to call off other debts to validate her point to me. I then asked her " who gave you authorization to pull my credit because I didn't ''? She stated " They didn't need my authorization because they are bonded and insured and they have the right to pull credit unknowingly to the consumer ''. Before I could get to tell her that " I was a victim of Identity Theft '' she hung the phone up. I called back and asked the receptionist could she give me the person I was speaking with on the prior call and she transferred me back to XXXX. I then asked for all of the company 's information as I was going to file a complaint on the CFPB website. She stated that " You're just making threats and we are still going to file suit ''. I then researched the company and found the following : Complaint Type : Billing/Collection Issues Status : Unanswered XX/XX/XXXX Received transaction authorization to sign in the middle of page states cancellation policy must recover a written signed cancellation letter within 90 days of debt transaction. The letter must be sent with tracking such as email to support at ****** and *********m or u.s. certified mail what the letters received a full refund will be issued back to the card that was used for the transaction. What is this about. Complaint Type : Billing/Collection Issues Status : Unanswered XX/XX/XXXX This company XXXX and XXXX called me and stated i took out a loan in XXXX and was paying on it until XXXX. The claim it was on my credit report in which i pulled back in XXXX and didnt see anything on it. They claimed i owed over {$1000.00} but they will settle for $ 600+. I know for a fact that i did not take out any personal loans. When asked what company they didnt have that information. They said they would garnish my check if i didnt pay. Ive read reviews and pretty much think this is a scam. Can someone please help me out. They gave me a phone number XXXX XXXX XXXX XXXX XXXX. Please look into this company before they take money from me.. Complaint Type : Billing/Collection Issues Status : Unanswered XX/XX/XXXX They are using a third party to make contact to have you contact them. This is in reference to am account that eased supposed to have been paid off. Why is it still in collections. The account is 18 years old. The company they are representing is XXXX XXXX. The name of the company that contacted me in XXXX was XXXX XXXX. They started a letter was delivered to my address but she couldn't tell me if it was signed for. Now they stress trying to garnish my wages. I have never been sent any letters being certified or just regular because the account should have been paid off. I need the harassment to stop. Complaint Type : Billing/Collection Issues Status : Unanswered XX/XX/XXXX A XXXX XXXX company contacted me and gave me the information for this company. When I called the company at # XXXX and gave them the ref # I was given the lady that answered the phone was threating me with a set to seek a judgement against me in amt of {$1100.00}. I asked her what this was pertaining to and she stated that it was credit card opened in XXXX with mastercard and that they have a paper trail that was sent to me that I have NEVER received. I ask her to verify my address on file and she did an I informed her that I have not lived at that address in over 20 years so gave me another address and it was not correct at all. She informed me that I was my problem I did not get the information that was supposedly sent to me not hers. I hung up and called back and ask to speak with a supervisior she refused to let me speak with one then ask for a manager and she refused and processed to tell me I like the sound of my own voice. I told her to never contact me again and call ...
08/09/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • AZ
  • 85286
Web
XXXX AND XXXX I have gave them Supreme Court ruling. U.S SUPREME COURT RULING, Title 15 United State Code ( USC ) section 1692, the Fair Debt Collections Practices Act, section 1601, the Fair Credit Billing Act. and Uniform Commercial Codes ( UCC ), section 203 Banking and Lending Act. THEY CAN NOT ISSUE CREDIT by becoming a surety, endorser or guarantor for another. Credit is the opposite of money. Money, which is legal tender for the payment of all debt is defined by Congress in 31 USCA Sec 392. The Federal Reserve Policies and Procedures and the generally accepted accounting principles ( GAAP ) requirement impose upon all Federally-Insured ( FIDC ) banks under Title 12 of the United States Code, section 1831, prohibit banks from lending their own money from their own assets, or from other depositors. It is not within those statutory powers for a national bank, even though solvent, to lend its credit to another in any of the various ways in which that might be done. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ). the bank is allowed to hold money upon personal security ; but it must be money that it loans, not its credit. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, Fed Case No. XXXX, XXXX, XXXX. A loan may be defined as the delivery by one party to, and the receipt by another party of, a sum of money upon an agreement, express or implied, to repay the sum with or without interest. XXXX v. XXXX XXXX Ga XXXX, XXXX XXXX XXXX. Also see XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and United States XXXX XXXX XXXX XXXX, XXXX Fed Supp XXXX, XXXX. The word money in its usual and ordinary acceptation means gold, silver, or paper money used as a circulating medium of exchange XXXX XXXX XXXX XXXX Ky XXXX, XXXX XXXX XXXX XXXX. A promise to pay can not, by argument, however ingenious, be made the equivalent of actual payment.. XXXX v. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Utah 406 . Banking Associations from the very nature of their business are prohibited from lending credit. ( XXXX XXXX XXXX XXXX vs. XXXX XXXX XXXX XXXX XXXX ) Banking corporations can not lend credit. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) Nowhere is the express authority granted to the corporation to lend its credit. ( XXXX XXXX vs. XXXX XXXX, XXXX Me XXXX ; XXXX XXXX XXXX ) A national bank has no authority to lend its credit. ( XXXX vs. XXXX XXXX XXXX, XXXX. XXXX XXXX, Fed XXXX. XXXX ) A contract made by a corporation beyond the scope of corporate powers is unlawful and void. ( XXXX vs. XXXX XXXX Bank, XXXX XXXX XXXX ) ( Note : XXXX XXXX Dictionary : XXXX XXXX XXXX for beyond powers. It refers to conduct by a corporation or its officers that exceeds the powers granted by law. ) Despite the above court cases, XXXX XXXX, Superintendent, Department of Banks and Banking, State of Maine, said on XXXX XXXX, XXXX, A commercial bank is able to make a loan by simply creating a new demand deposit ( so called checkbook money ) through bookkeeping entry. This is in total contradiction to what the courts have said. Yet, that is exactly how the banks create the money to loan to its customers or to buy government bonds. Act is ultra vires when corporation is without authority to perform it under any circumstance or for any purpose. By doctrine of ultra vires a contract made by a corporation beyond the scope of its corporate powers is unlawful. ( XXXX XXXX XXXX XXXX XXXX vs. XXXX, XXXX F XXXX XXXX ) A holder who does not give value can not qualify as a holder in due course. ( Uniform Commercial Code 3-303.1 ) In securities law, the most important requirement is full disclosure. Investors have to be given the full scoop. You can not hold anything back. Everything-lawsuits, criminal records, market share, debt-has to be disclosed. This same type of disclosure is required in the Truth in Lending Act as well. With that said, why is it that no one has ever heard of this legal argument? Well, probably because they have not been told. But dont you think that it is important and relevant to tell potential loan customers, as well as bank shareholders, that according to the US Code and numerous judicial decisions, it is questionable whether a national bank is actually authorized to lend credit, become a guarantor, or become surety? They should at least say something to their customers and shareholders along the lines of this : Disclaimer : We the bank, are lending credit, guaranteeing debts and becoming surety, through our lending business, for profit. The Comptroller of Currency approves. Congress has been silent in recent years. However, both federal and state courts in the past have repeatedly told us that the National Bank Act does not provide for this activity. Therefore, at any point in the future, the bank could be subject to either federal or state cease and desist orders. In that event the bank will require immediate and full payments and will cancel your credit or loan. Further, the bank may be exposed to civil lawsuits from all its former loan Clients and shareholders. I WANT TO SEE THE ORIGINAL AND CONSIDERATION OF VALUE OF THE AGREEMENT
06/26/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MA
  • 016XX
Web
I have been a credit card holder of Discover for many years. My payment due date is on the eighth of every month. I did not have any issues with Discover until the year XXXX. My first problem with Discover started in XX/XX/XXXX. On XX/XX/XXXX, I made my minimum monthly payment of {$66.00} after the cut off time at XXXX but on that same day. I realized that a late fee was assessed on my account, which I called and got it waived. I also realized that the next months minimum payment ( XXXX ) had increased to over {$100.00}. I believed the bank arrived at this new minimum payment due in XXXX based on the late payment that occurred in XXXX. Unfortunately, for me I lost my job in XXXX, so I called and told them that because of my situation I can not afford to pay the new minimum amount due. I told them I was prepared and can afford to pay the minimum amount of {$66.00} that I had paid the previous months ( assuming no more purchases for the month ). The person that I talked to said she would discuss with her supervisor and get back to me. I did not hear from Discover, either by phone or mail, therefore I made a payment of {$66.00} on XX/XX/XXXX and continued to make payments of {$66.00} every month until XX/XX/XXXX. Discover reported me to credit bureau that I made insufficient payments on my account. I never missed any payment and never used the card since XX/XX/XXXX. Discover Credit Card considered the {$66.00} monthly payment insufficient. I got 100 points reduction on my credit score. I called Discover to find out what could be done. The person I talked to suggested that I sign up for a hardship program for one year, which will give a low interest rate of 9 % and a reduced minimum monthly payment of {$49.00}. I agreed and signed up and later realized that another 100 points had reduced my credit score. I had no other option so I decided not to use that card again and have still not used it up to today.. The hardship program ended in XX/XX/XXXX and l began paying {$66.00} as monthly minimum payment required by Discover. The second problem with Discover, which is the reason of my complaint, started in XX/XX/XXXX. One of the conditions of the hardship program was to set up automatic monthly payment, which I did using my XXXX XXXX XXXX ( XXXX ) bank checking account ending XXXX. Then in XX/XX/XXXX, I opened a new XXXX checking account and decided to stop using the banking account ending in XXXX for my Discover Credit Card payment. I therefore set up a new payment of {$66.00} using the new checking account ending in for the required minimum monthly payment in XXXX. What happened was that the payment of {$66.00} that I set up went through and Discover dot paid. I later found out that Discover again managed and took another {$66.00} out of the new checking account although that new checking account was not the one been used for the automatic payment. I ended up making two payments in XXXX ( refer to exhibit 1 ). I immediately called Discover and informed them what had happened. I was told initially the refund would be credited to my checking account. After waiting for some days without seeing the refund, I called again and was told the refund will be in a form of a check from Discover. On the XX/XX/XXXX, a day to my XXXX payment due date I had not received the check so I called again and told them that they have my money with them for almost one month and I have not received the check, they should use the money with them for my XXXX monthly minimum payment. I again said they can either cancel the check or I return the check when I receive it. I called again the following day, which was my payment due date and was told they will get back to me. No one got back to me so I did not make any more payment in XXXX. I received the check in XX/XX/XXXX but did not cash it because I had already told Discover to use if for XXXX payment ( refer to exhibit 2 ). As states earlier, I did not make any payment in XXXX and Discover considered it as a missed payment. Since XX/XX/XXXX to XX/XX/XXXX, I have been paying {$66.00} every month, never missed a payment. I have not missed a payment, and never used the card since XX/XX/XXXX so I believe my minimum monthly payment should not be more than {$66.00}. Somewhere in XX/XX/XXXX, I got a call from Discover and the man I talked to told me that if I make a payment of {$120.00}, he would clear or remove all the late payment fees on the account. I decided to cash the check I received from Discover and made two payments ( {$130.00} ) in XXXX, but to my surprise, the late payment fee on my account was not removed. I have been denied online access to my account. I can not make my monthly payment of {$66.00} online. I always have to call to make a payment. As at the time of writing this letter the outstanding balance on the account is more than the same period two years ago even though I have not used the card since XX/XX/XXXX and also been paying {$66.00} every month. What Discover want me to pay as the minimum payment due is basically the late payment fees and insufficient payment fees that have been wrongfully charged to my account.
05/24/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MD
  • 21117
Web
BACKGROUND : I placed an order with XXXX on or about XX/XX/19 in the amount of {$160.00}. XXXX shipped the package on or about XX/XX/19. On or about XX/XX/19 I received notification from XXXX shipping company ( XXXX ) that the package had been delivered to my home. Upon arriving home, the package was not there. I immediately contacted XXXX and spoke with a representative by the name of XXXX and advised that the package was not at my home. XXXX contacted the driver who indicated that the package was left at a white door under doormat. I live in an apartment complex with over 250 tenants so the package could have literally been left at any number of apartments in the complex. I asked if he was sure he left it at my address as there is a building 4 across from me in the same complex on the opposite side of the street. I was instructed to call back the next day to initiate an investigation. I then contacted XXXX and advised them that I did not receive the package. I was asked to follow up with the shipping company and advise XXXX of the outcome of their investigation. At this point I was under the impression that I was expected to pay for merchandise I did not receive so I then contacted my credit card company ( Discover ) and advised that the package was not delivered and asked what I needed to do to make sure I was not responsible for paying for merchandise that I did not receive. Discover advised that they could reverse the charge on my account while they investigate the matter. ( emails attached ) On XX/XX/19 I spoke with XXXX at XXXX who advised that if the package wasnt received by the following Monday I should call that Tuesday to file a lost package claim and XXXX would then determine whether to issue a refund. On XX/XX/19 I spoke with XXXX at XXXX and advised that I received an email from XXXX on XX/XX/19 advising that they had completed their investigation and that I should contact XXXX about refunding the charged amount. XXXX advised that XXXX would issue a refund in 1-3 business days. At this point I assumed the matter was resolved because the money Discover took back from XXXX when they placed on the account was being refunded back to them by XXXX. On or about XX/XX/19 I received an email from XXXX dispute management regarding the XXXX charge advising that a hold had been placed on my XXXX account and future orders because I opened a dispute on XX/XX/19 regarding the missing package. They advised that until the {$160.00} had been repaid I could no longer place orders with them. Once I saw the email, I responded on XX/XX/19. The dispute management department then sent another email on XX/XX/19 advising that Discover had issued a credit and they had issued a credit but that Discover had refunded them ( emails attached ). Again, I thought nothing of this because I assumed Discover was refunded the money they had credited my account. DISPUTE : It wasnt until I went online to pay my current Discover bill I noticed that Discover placed a charge of {$160.00} on my account. Discover claims that XXXX had credited my account twice and I was responsible for repaying the overpayment to them. However, there is nowhere on my XXXX or XXXX statement ( enclosed ) that show a double credit to Discover by XXXX. In fact, on the XXXX statement you will see the {$160.00} charge from XXXX dated XX/XX/19. Then there is a post date of XX/XX/19 with transaction date showing the XXXX # XXXX adjustment in the amount of - {$160.00}. On the current statement there is a post date of XX/XX/XXXX and transaction date of XX/XX/XXXX from XXXX # XXXX XXXX PA in the amount of - {$160.00}. It appears to me that the adjustment amount Discover posted and the refund amount of {$160.00} from XXXX, is simply XXXX reimbursing Discover for the XX/XX/XXXX adjustment amount of {$160.00}. I do not see a double credit issued by XXXX. In fact, I contacted XXXX on two different occasions to try to figure out when they issued two credits to my account. On XX/XX/19 I spoke with XXXX at XXXX who informed me that on XX/XX/19 XXXX placed a hold on my Discover account in connection with the purchase I made on that day in the amount of {$160.00}. When the merchandise shipped on XX/XX/19 XXXX billed Discover for that amount. On XX/XX/19 Discover then took the money back from XXXX and placed an adjustment on my account. However, XXXX then issued a refund of the {$160.00} on XX/XX/19 due to the lost claim. XXXX confirmed that XXXX issued only one credit, which refunded the amount back to Discover. Before filing this complaint, I wanted to confirm the information I received from FreePeople on XX/XX/19 so I again contacted FreePeople on XX/XX/19. On XX/XX/19 I spoke with XXXX XXXX at XXXX dispute management department who informed me that in his opinion the problem occurred because I simultaneously filed a dispute with XXXX and XXXX regarding the lost package. Mr. XXXX further advised that once I filed the dispute Discover took funds from XXXX on XX/XX/19. XXXX then issued a refund on XX/XX/19, which should have XXXX out the {$160.00} charge. There were no other credits applied to my account.
01/17/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 90049
Web
Re : Discover Credit Card Payment Protection Program Fee. I have had a Discover credit card since the year XXXX. My Discover Card has been my primary method of paying expenses since that time. On XX/XX/XXXX I viewed my statement for XX/XX/XXXX. In that statement, I found a fee called " DISCOVERPAYMENT PROTECTION '' for {$8.00}. I did not recognize this transaction, so I looked up my previous statements. In the previous statements I also noticed this fee, but in different amounts each month. On XX/XX/XXXX, I contacted Discover by phone and spoke with an agent, " XXXX. '' XXXX informed me that I have been enrolled in the Discover Payment Protection Program since XXXX when I opened the Discover credit card. XXXX stated that the program charges me a certain amount per {$100.00} that I charge on my Discover card. I informed XXXX that I have never enrolled in such a program, and XXXX told me that I must have signed up for it when I opened my credit card. XXXX informed me that the Payment Protection Program provides relief for individuals who are unemployed or in financial strain from interest fees and other things. Frankly it was still unclear to me what the program does based on XXXX 's explanation. I demanded a refund from XXXX for every Payment Protection Program fee since XXXX, but XXXX refused, stating that he could only refund the last 6 months. XXXX told me that he would at least cancel my enrollment in the program. I asked to speak to a supervisor but was directed to the voicemail of Supervisor " XXXX. '' After my call with XXXX, I entered the Discover website and reviewed all the statements that were available. The only statements that were available were for the last 7 years, since XXXX. I calculated all of the Payment Protection Program fees Discover charged me since XXXX, and it amounted to {$910.00}. I was unable to to include the fees charged since XXXX, because statements beyond 7 years were not available to me. On the Discover site, I was able to search for the program and found that I was still enrolled in the payment protection program, despite XXXX telling me I was unenrolled. There was no way for me to unenroll from it on my own. Supervisor, XXXX, did not immediately respond to my message, so the following day, I called the company again, on XX/XX/XXXX, and this time made direct contact with XXXX. I asked XXXX for a refund of all the fees paid into the Discover Payment Protection Program, and XXXX informed me that he would not provide a refund for the program fees, except for fees paid in the last 6 months. I also asked XXXX for my statements from XXXX to XXXX, and he stated that they were not available. I informed XXXX that the Discover site still indicated I was enrolled in the program, and XXXX stated it " takes time '' for an unenrollment to take effect. I am unable to confirm if I am in fact unenrolled from the program, and when if ever I will be unenrolled. I do not want to be enrolled in this program, nor would I ever be interested in such a program. From XXXX to the present, I have paid {$910.00} into the Discover Payment Protection Program. I believe I was charged another {$500.00} or so from XXXX to XXXX, but I have no way of calculating that amount, because Discover will not release my statements from XXXX to XXXX. I XXXX this issue online and learned that Discover has done this kind of thing in the past, where they will market some sort of cardmember service, without stating that the service will charge any fees, and will continue to conceal it so the cardmember has to continue paying without knowledge of it. I believe this is very unfair and inequitable. My issues with Discover are as follows : 1 ) To my knowledge, I did not ever enroll in the payment protection program. If I did, there is no way I was aware that I would be charged fees, because if I knew that I would have never enrolled. 2 ) Discover never informed me that I was in the program, and the fees were hidden on my statements in such a way that a reasonable person would not be able to notice them. Discover could have given me some sort of notice every year or some sort of email indicating how much I am paying, but instead they concealed this fee from me so they could continue charging it without notice. 3 ) I have never benefitted from Discover 's payment protection program, because I have paid all of my statements in full, and have never had the need for relief from interest fees. 4 ) When I go into my Discover account, I am able to find the page for Payment Protection Program ( after some searching ), but Discover does not have a way for the consumer to unsubscribe from the program without actually calling them and speaking with an agent, making it more difficult for a consumer to unenroll. This is an unfair business practice. 5 ) I believe I have lost around {$1200.00} or more from being enrolled in the Payment Protection Program, and I want all of my money back. 6 ) I want Discover to be investigated for similar fraud on other consumers, because I believe there has to be other people who are being victimized like this.
01/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 08046
Web
Notice to Cease and Desist This is in reference to the Consumer Report sent by XXXX. While checking my credit report, it came to my notice that XXXX has furnished an XXXX on my Consumer Reports. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major CRAs XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report by DISCOVERBANK will amount to Communication. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The Privacy Act of 1974 ( 5 U.S.C. 552a ) protects personal information held by the federal government by preventing unauthorized disclosures of such information. Individuals also have the right to review such information, request corrections, and be informed of any disclosures. The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such information, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as " pretexting. '' 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. You have been put on notice this information is inaccurate. Delete all inaccurate information from my consumer report immediately 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 15 U.S. Code 1666 - Correction of billing errors ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws.
06/11/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • FL
  • XXXXX
Web Older American, Servicemember
XXXX XXXX Florida Case # : XXXX Division XXXX Filing # XXXX Plaintiff : Discover Bank Defendant : XXXX XXXX XXXX XX/XX/XXXX Sent To : Plaintiff Retained Attorney XXXX XXXX XXXX Florida Bar ID : XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX I am XXXX XXXX rated XXXX outpatient service-connected XXXX XXXX XXXX XXXX veteran single, age XXXX sole income since XX/XX/XXXX 100 % sole Federally funded income. This defendant copy was forwarded to Mr. XXXX with no response, acknowledgment, nor reply, no action taken to dismiss or withdraw after being notified of exempted sole Social Security or Veteran Administration income causing XXXX XXXX compounding my relative mental condition. Mediation : On XX/XX/XXXX This email was sent to Discover Card in response to the threat of attorney on collection but in every instance, theft refuses to receive email voiding any possible chance for a legal paper trail as all credit card corporations appear to avoid, this was sent back to me undeliverable answering a warning email from them. It would have been the working remedy for me to pay them down had they taken the time to cooperate with their customer but Discover rudely refused for an unknown even suspicious reason to me. To : Discover Card With a high clean ( XXXX ) credit rating when this account was active my working solution was when I applied at least twice for a consolidation loan both denied the second I recall was a belligerent denial. I rely on Veteran Administration limited monthly benefits direct deposits to survive since XX/XX/XXXX those are protected, exempt from any money grab or legal method of funds seizures. This is not a " one-way '' business matter I have something to say about how my limited by Federal Government minimal benefits are disbursed. When a good-standing customer requests a consolidation loan to smooth it out as perhaps the only working solution grant us that you would have been paid, there is no hidden wealth this was not done deliberately. Everything I own modestly has been Federally funded since XX/XX/XXXX with no other income as a XXXX XXXX rated XXXX XXXX XXXX veteran since XX/XX/XXXX, solely reliant upon Veteran service-connected XXXX income and less than {$500.00} monthly social security retirement benefits, which I discovered are bot Federally protected from creditor litigation, as is my Federally funded {$300.00}. XXXX XXXX. This isolated income and no savings account both I believe are Federally protected fundamental survival funds. As a homeless XXXX veteran residing precariously in XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX with Section 8 assistance HHOPE Act Team for chronic homeless I reside single sinceXX/XX/XXXX when VA benefits released me from Section 8. Being treated for XXXX since XX/XX/XXXX daily I wake XXXX XXXX XX/XX/XXXXwith this impeding small claims in the wonder of protecting my few belongings, and cXX/XX/XXXXc as I am prescribed daily medication since XX/XX/XXXX and no family other than a variety of companion Dogs since arriving in XXXX Florida XX/XX/XXXX. I am doing what I can to enter the motion of dismissal based upon Federally protected and I believe Florida protected VA XXXX benefits and Social Security sole income statu7s, and hardship against a XXXX service member withXX/XX/XXXX being complicated by Discover Banks uncooperative unprofessional decision to refuse my application for debt consolidation on two occasions when I had maintained regular payment a XXXX credit score up until that time. This would be like paying them to formally devastate what credit rating I did work to accomplish in recent years as all the cards I possessed fell with no consolidation agreement for an unknown reason this was done actually to me. VA does not render unto veterans what should be tendered very minimal monthly benefits that technically do not allow for credit maintenance. I lived XXXX until age XXXX with no credit whatsoever in various parts of the nation I do technically not credit dependent. As a XX/XX/XXXX XXXX XX/XX/XXXXveteran I was served this Breach of Contract small claims summons on Saturday XXXX XXXX XXXX XXXX which indicates somewhat the inability for most Americans to actually respect your XX/XX/XXXX which also nationally kept me homeless for decades working 40 hours a week jobs with such low wages I went home to in inoperable XXXX XXXX XXXX unable to prepare deposits to rent any form of residency until the VA took interest in XX/XX/XXXX living rough in the streets robs the worker of rest losing skill-set. Had Discover Bank honored my attempts to arrange a debt consolidation loan on either of the two proper applications my credit rating would have been maintained and they would have been properly paid, but they didn't for an unknown cause to me. Breach of Contract failed here to recognize contracts have two ends in a cooperative business package, not just their own as they are presenting me personally. Proof on protected income was also provided to XXXX XXXX at XXXX a few days after receiving the Summons.
03/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 77493
Web
Per The Fair Credit Billing Act, I am able able to dispute a charge when merchants provide unsatisfactory goods or services or fail to provide promised goods or services. After a free trial class on XX/XX/22, I signed up for a membership for unlimited classes for {XXXX} at XXXX XXXX XXXX XXXX. I was told classes book up so be sure to book classes in advance using your app. I was asked to inital using a keyboard, normally contracts are printed and a customer signs it with a pen after reading through it. I went home and was not able to book any classes in the app, it kept telling me buy more classes. My photo i took that day was showing up so I was confused why it was telling me to buy classes. I called, and they told me they would look at it next time. This was my first " free '' class. Next time was two days later, my first class with the membership.When I arrived they asked to take my photo. I asked what for and they said because you signed up last time. I told them i already had a photo taken and it is showing up in my app, but the app still says that i need to buy more classes. That is when they said they would submit a ticket. I dont know what exactly that meant but they said it could take 24 hours. I was told i needed the heart rate moniter which cost {XXXX} seperate charge to the card on file, to keep track of my workouts and make sure i was in the orange zone during the workout, the whole point of there membership is the " orange zone '' so you know your calorie burn following the workout. Come Saturday, my app is still not working. I told the 4 people that were standing around the front desk that day. One replied, we see that we submited a ticket. Apparantly, waiting for that ticket to close. Six days after signing up I am still not able to schedule classes in my app in advance, cancel classes in the app, or log my workouts and have it sync with the heart rate moniter. Therefore, the app was unsatisfactory so the promised goods were not delivered from using the heart rate moniter. As another attempt to get there attention once I found it it is a franchise and could not get a resolution from a 1800 number, I submit a complaint to the XXXX hoping a manager would respond with a resolution that would be satisfactory. After a month, the complaint was unanswered and it is now closed. I got an email randomly from orange theory that sent me fake statistics of a " completed workout '' It stated i had done a workout, and emailed me calories burned. This enraged me because I was not there that day, and still waiting to hear back from them. I called Discover Credit Card to put a stop payment on the automatic billing with the gym. He also told me how we could dispute the qaulity of service. I told them go ahead. Days later, i get a letter from Discover that said we have put a stop payment, make sure the merchant know to stop billing. I sent another email stating i havent been able to resolve my issue in a timely manor, please do not bill me anymore. That same day, weeks after the XXXX and dispute, the first attempt from the manager reaching out to me. He told me that I would still be charged next month billing cycle because they did not get a 30 day notice. I did in fact, give them plenty notice that my app wasnt working therefore the heart rate moniter couldnt sink to it. I was very surprised this was the response I got from management. Espeically when they advertise on there website the following : " We are confident you will be satisfied with your XXXX XXXX experience. In fact, if you are not satisfied after completing at least twelve ( 12 ) sessions, you will receive a refund for the monthly membership dues. OTbeat wearables and other retail sales are not refundable. At participating studios only. Offer valid for first time members only having a XXXX XXXX. All twelve ( 12 ) sessions must be completed within the first month of the membership start date at your home studio. A refund request must be made by contacting your home studio within the first month of membership. Individual results may vary, and you may not obtain your desired results after completing at least twelve ( 12 ) sessions. Neither XXXX XXXX, nor its employees, agents, or affiliates, make any representations, warranties, or guarantees as to the results that may be achieved from session participation or any information and/or related services provided. Participants are urged to always consult a medical professional or physician before participating in activity or starting an exercise program. '' I wast even able to take advantage of this promotion during the first month, therefore these charges for goods and services werent delivered as agreed. " A gym membership contract, like most other agreements may be void and unenforceable if induced to sign it with misleading information, representation, or advertising by the gym. '' I never received a copy and it was misleading to tell me i could book several classes in advance in the app, use the heart rate moniter to keep track of my XXXX XXXX in the app after every completed workout.
03/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • WA
  • 98102
Web
I am having an issue with Discover Bank on the status of my secured credit card security deposit of {$1000.00} being refunded to me. I received notice from Discover Bank on XX/XX/XXXX that my card had " graduated '' with a credit line increase, which also means that my security deposit would be sent back to me ( they said " in most cases '' within 5-7 business days- meaning at the latest I would receive the check by XX/XX/XXXX ). When I first started the card with Discover Bank, I signed an agreement that I could be sent the security deposit via direct deposit to my checking account at a different bank. When I was told that my card had graduated, they later sent notice that they had a system failure and would have to send the funds through the mail ( I received a notice from Discover on XX/XX/XXXX that a check would be issued but later told that it was actually sent on XX/XX/XXXX ). Despite being annoyed that the original method of direct deposit not being honored by Discover Bank, I figured it would be fine since the check was supposed to arrive within one month according to the representative over the phone. I waited a few weeks and never received the check. I decided that I needed to inquire about the status of the check since it had been a while, so I called in to Discover Bank on XX/XX/XXXX. I was told that I needed to wait a few more days based on their policies before I could request a reissue for the check ( it would take up to a month as I was told by a representative due to concerns around fraud ). This first phone conversation was on XX/XX/XXXX and I was told that I needed to wait until XX/XX/XXXX and then I could request that the check be reissued to me. I called in on XX/XX/XXXX to have the check reissued since I still had not received it in the mail. Then, I was told that it would take 15 business days to process that request to reissue the check ( so by XX/XX/XXXX it should be sent out to me at the latest ). I called in again on XX/XX/XXXX and XX/XX/XXXX to inquire about the status of my check and they were not able to provide me any updates on where the funds were at or if it had been reissued at all. All they were able to tell me was information on if a representative sent a request in for a reissue, nothing more. Discover Bank said that the new check should be sent out by XX/XX/XXXX, which is 15 business days after XX/XX/XXXX. I was told by Discover Bank that a representative would call me on XX/XX/XXXX to update me on the status of my check. I never received a call, so I waited a few days until XX/XX/XXXX. I called in again and was told that they would not be able to give me any additional information on the status of my check, as they did not know if it had been sent out again, even though according to their own policies, it should have been sent on XX/XX/XXXX. During this entire process, I had been told different dates to call back in on to inquire on the status of the check and was told different processing times for the waiting periods and the reissuing of checks- indicating poorly trained representatives. I should have received the money via direct deposit in late XXXX, or by check around XX/XX/XXXX. Discover Bank has had many business days to help me resolve this issue and they have not been able to provide me with any more information than I had in late XXXX. They are completely disconnected across their organization and are not able to assist customers with funds that rightfully belong to them - as agreed upon when signing up for the credit card direct deposit refund. In total, I have called Discover 5 times over the last month and I have not been properly communicated with on the status of my direct deposit and have been misinformed on waiting periods and reissue policies. In fact, I have informed Discover Bank employees of their own policies, as they were unaware of the policy. Discover Bank does not have transparent policies and their own employees are not updated on the policies to assist customers over the phone either. I have been consistently misled during this process and have been misinformed each time I have been on the phone with their customer service representatives. I was first told that their direct deposit system had failed to send my security deposit to my bank account due to an error on their end. Then in my most recent call with them, I was told that it was actually a conscious decision to end security deposit refunds through direct deposit to bank accounts starting in XX/XX/XXXX. I was never informed of this policy change until XX/XX/XXXX - three months after this change has taken place. Discover Bank has not done anything besides telling me to wait longer to resolve this issue. I have been told that I would receive communication from the bank and not once have they reached out to me to help me resolve my problem, or even provide me with more information on the status of my check. Overall, Discover Bank needs more transparency for their customers on their policies and policy changes, and to be held accountable when they are misinforming their customers.
06/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • 703XX
Web Servicemember
Please accept this formal complaint against Discover Financial. This bank is engaged in unlawful practices and predatory lending which undermines the financial sanctity of our society. I am a victim of Discover Financials unethical, immoral, and illegal handling of me as a victim of identity theft as outlined in this missive. I pray that you investigate and take all appropriate action in this matter. The above subject matter is in reference to an unfair and erroneous reporting for Account Number ending in XXXX in which Discover served as a lender. In summary, sometime during XX/XX/XXXX, Discover illegally issued the above-mentioned credit card in my name to my former address. I discovered the identity theft in XX/XX/XXXX. I notified the credit bureaus and Discover. Discover illegally verified with the credit bureaus that the account belonged to me. I contacted Discover and sent them several pieces of documentation proving that the account could not possibly be mine. Discover put the matter under investigation. Months went by and I had not heard from Discover however the fraudulent account was still, and still is reporting on my credit profiles. I was constantly faxing and submitting information to Discover as every time I called, I got a different representative. I faxed, certified mailed and emailed as I was told by various representatives as all proves are enclosed. To date, Discover has not removed this fraudulent account from my credit report. In face without any notice given to me, in contravention of the law, Discover further exacerbated this issue by denying my fraud dispute with the credit bureaus. Since then, I have continued to bear the financial burden of an account that was illegally opened by their company because of their fraudulent, erroneous and unfair credit reporting. Under Louisiana Revised Statutes Tit. 9, 3568 ( B ) and State Identity Theft and Credit Reporting Statutes, Each creditor who grants credit as a result of information which was obtained through an identity theft shall make available to the victim of the identity theft application information and transactional information, such as a copy of one or more complete monthly billing statements prepared in the regular course of business by a financial institution, in the possession of the creditor which the victim needs to undo the effects of the identity theft. Prior to providing information to the victim, the creditor or its representative may require the victim to submit a written statement, dated and signed by the victim of identity theft, which ( a ) provides information sufficient to verify the identity of the victim and the existence of an identity crime, including a copy of the police report and a copy of the victim 's state-issued identification card, and ( b ) states that the consumer authorizes disclosure of the information, and ( c ) identifies the information the victim requests to be disclosed. On the other hand, the Fair Credit Reporting Act, Section 623 ( a ) ( 6 ) ( 15 U.S.C. 1681 ) All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). It is based on their continued unfair and erroneous reporting of the above named account and their contravention of the above laws that I have written to them in the past, including a letter addressed to the Bank in XX/XX/XXXX, which the bank sent me back a request for information. In the letter, I specifically requested that Discover investigate as outlined in 15 U.S.C. 1681s-2 and demanded a full account validation and requested that pursuant to Louisiana Revised Statutes Tit. 9. 3571.1, the validation be in the form of a notarized statement with a person with the knowledge of the debt. Additionally, I requested that Discover Financial send me an explanation of the methods used, and the description of the records reviewed in the process of the investigation. Discover sent me forms to fill out and have notarized, additionally they had me file an ID Theft Report and send them copies of my drivers license and billing statements proving my address during the time this account was opened. Which I complied with several times. All my efforts proved futile because of their giving me the run around.
04/25/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30043
Web
I am experiencing an ongoing problem wi th Discover Cards Dispute Departm ent and Executive Office re garding an amount inaccurately charged to my account by XXXX XXXX XXXX XXXX in excess of {$73.00}. In response to my dispute, Discover sent me a letter claiming that the charge was valid along with an invoice submitted by XXXX , which I had not signed. I contacte d Discover and infor med the dispute representative that I did not sign the invoice XXXX submitted in response to my dispute. I also informed him that the inspection sheet that I did sign when I picked up the truck showed the same gas level as the return gas level notated in the letter XXXX submitted with the invoice, so the extra charge on my account was not valid. The dispute representative reopened the dispute and advised me to contact XXXX regarding the invoice that I did not sign. I contacted XXXX to find out who initialed the invoice that they submitte d to Discover. XXXX from XXXX contacted me in response, after he investigated the issue, he acknowledged that someone from the company initialed the invoice and that I was erroneously billed the extra amount for gas. He said he would take care of the disputed charge wi th Discover and credit my account for {$150.00}, which would be {$73.00} for the billing error and the extra amount would be a courtesy for my inconvenience. When Discover closed the dispute, the notation added to my account was incorrect. My account has the following incorrect notation : XXXX / XXXX / XXXX Transaction has been reapplied to your account. We received new information from the merchant regarding this dispute case. The dispute was previously resolved in your favor, but after reviewing this new documentation, we 've determined that the transaction appears to be valid. The transaction has been reapplied to your account. We have sent a letter via mail or secure messag e at Discover.com about this investigation which includes a copy of documentation we reviewed. Please review this information and notify us immediately if you wish to continue this dispute. If you have new information we have not considered, we will be happy to continue working on your behalf. This notation states that the charge was valid and it was not, it also makes reference to a letter and documentation they reviewed that was sent to me which I never received. I spoke with the dispute department and XXXX XXXX in the Executive Office t o get my account correctly documented. XXXX XXXX insisted that she could not correct the notation because the system notated the account. I suggested making a manual correction, but she insisted that no correction was possible. I was dissatisfied with her response because I was dissatisfied with her response because accurate information should be notated on customer accounts. As a result, I filed a complaint with the Consumer Financial Protection Bureau. XXXX XXXX , Senior Associate from the Executive Office respo nded to the complaint I filed with the Consumer Financial Protection Bureau. Her response stated that the documentation was due t o Discover recei ving another copy of the rental agreement from XXXX stating the charge was valid. I contacted XXXX XXXX to get a copy of the document she referred to in her response. She stated that XXXX sent the same invoice that they had sent previously. I informed her that I had already informed Discover that I did not sign that invoice and XXXX acknowledged th at one of their employees initialed the document as well, also that the gas level on the inspection sheet that I signed was the same level as the return gas level notated in the letter XXXX submitted with the invoice. I asked if we could speak to XXXX on the phone together or if XXXX could send Discover a letter acknowledging their error, but she insisted that she could not change the information on my account because XXXX did not go through the dispute process when they credited my account. I again suggested manually changing my account to correct the information, but she insisted that the information would stay on the account as is. She remained uncooperative no matter what I tried to suggest regarding correcting the information on my account. XXXX XXXX , from XXXX explained the mistake in a letter addressed to Discover and myself, which I sent to XXXX XXXX XXXX , Discovers Chairman and CEO ; in turn, I received a letter from XXXX XXXX from Discover still refusing to correct the inaccurate information notated on my account. Also, XXXX XXXX made reference to an enclosed letter which was not enclosed, which is a continuation of the level of incompetence that has been show n by Discover represent atives in handling this dispute. As a result, I am submitting this second complaint regarding Discovers ongoing poor customer service from the dispute department up to and including the CEO, their lack of responsibility in correcting this inaccurate information notated on my account and the unsatisfactory handling of my dispute.
09/02/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • AL
  • 359XX
Web
So earlier this year I had piled up a lot of credit on all my cards so so I heard about a offer from all credit cards is doing a new thing where you consolidate all of your cards to one so I went shopping to see who had the best rates or the best deal on consolidating. Every company had some kind of gimeck where it made the deal useless to me plus it hurts your credit score so when I heard that plus discover charges you up front XXXX to XXXX to get the loan. It simply wasn't for me I try and help my credit not hurt it and if you have to pay to get a loan that's also not for me. I looked at My Mastercard One morning and it had a XXXX balance so I started trying to figure out what happened and I did discover took XXXX or more from XXXX XXXX XXXX and made me a loan under their company name Discover and I did not authorize it. I didn't have a discover card at that time I don't think but it was all done by a computers or someone at discover saw where I looked at the loan and to make money for them they went ahead and took the money from XXXX XXXX XXXX I guess I still haven't figured that part out because I hadn't spoke with ANYONE at Discover or even a computer that will prompt you through everything by voice. Discover says that I'm fraudulent plus their going to turn me into credit bureau so it would hurt my credit they get to do that even if a person is innocent just like anybody else that wants to put something on your credit then you have to fight to get it off while you are innocent, so I can't stop them because as a American consumer we have no rights about when it comes to this problem so your guilty but not proven guilty so you have to prove your innocent. By doing this it takes a lot of time to get paperwork documents and so on. That's what I have done with this I can't tell you how many hours I've had to work on my on time to prove to this company that does this everyday that I'm not guilty or as they say it committed fraud. Then after I figured out what happened they still send me letters Stating nothing has changed and it's going on my credit. I stopped working in XXXX at XXXX of XXXX XXXX XXXX I was there over XXXX years if I stayed i was going to loose my pension so me and about XXXX more choose to leave when that happened I got my pension XXXX XXXX so I decided to pay some of the big credit cards off and eventually all of them so i didn't need a loan anymore plus I paid the XXXX dollar credit card from XXXX XXXX XXXX off I told Discover in order for this to happen it had to be on a transaction the same day or maybe 1 day after for this to work. When I paid XXXX XXXX XXXX off i think XX/XX/XXXX Discover had to get the money that day and put it in my new account that I didnt get or want at the time. So why in the world would I pay off credit card loans call discover tell them I want a loan and consolidate everything else so I could pay the same loans off twice, I know they are going to say it happened way before then but it didn't, I never gave any approval to consolidate any credit card loans from anyone. I mean what part can they not figure out and on top of that XXXX XXXX XXXX is guilty as they are plus the name on the card is XXXX XXXX XXXX my name is XXXX XXXX XXXX with a XXXX not XXXX and they still don't believe me and this is XXXX different groups of people that works at the same place a team to discuss this issue. They actually had 2 different teams to investigate this and found me fraudulent. That's scary you can get that many people in a room together and they all come out with nothing, Twice. People wonders why so many Americans have bad credit, well here it is, this is why. I've spent hours on something I didn't do but yet discover or any other credit card company can put it on your credit report even if they have not found you guilty or proven it. That's the America way because if we all have bad credit who makes the most money off of that? You got it anybody who deals with giving out loans the credit card people will make more money on a consumer that has a poor credit card score than one who has excellent credit. Ahhhhh ok I know they will say they all get the same rate. I talked with XXXX XXXX XXXX they apologized immediately and over and over again the manager called me 2 to 3 times that day to say how sorry they was. DISCOVER ON THE OTHER HAND wants me to get a lawyer and take it to court so Monday I meet or I will get a call from a lawyer group to resolve this issue. I just wanted to make sure that I took the steps to tell a company about what happened so maybe they can explain better because I don't know what part I'm leaving out. Sorry this was so long I know you have better things to do than to read stuff like this when it should of been resolved months ago yes this started in XXXX and here we are in XXXX. Only in America where you don't have to prove there guilty just put it on their credit report so they can spend countless hours on writing stuff like I'm doing now to prove their innocent. Thanks for your time I hope to hear from you soon.
05/11/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OH
  • 44138
Web Older American
In early XXXX of XXXX I purchased a refurbished kitchen appliance from a website for the price of {$64.00}. The merchandise was never delivered to me, I do not have the name of the seller ; website and email address have completely vanished from the Internet after I threatened to file a Police report. I reported the charge as fraudulent to Discover. I used XXXX as a guest, my Discover Card was charged on XX/XX/XXXX. Discover cancelled the card ending in XXXX for safety reasons, reversed the charge on XX/XX/XXXX and a new card ending in XXXX was issued. I had considered the case closed. After I had received a letter from Discover that they had tried to call me several times and that I should call the Fraud Department, I had a long conversation with an agent regarding the allegedly fraudulent charge of {$64.00}, that they determined no fraud was committed, but there would be another 19 days until they would close that case, and that my account could be charged again with those {$64.00}. In that case I should call the Billing Department and discuss with them what could be done. I received my billing statement for XXXX online on Friday XX/XX/XXXX, and I immediately noticed that my account was charged again with {$64.00}. I started making calls to Discover that same morning, I had to tell the story to six different agents and still was told that this charge is not considered fraud, since I authorized a payment. That I had never received my merchandise did not seem to matter, but at least one of the agents gave me a little bit more information and told me XXXX had provided them with a USPS tracking number, which indicated that my merchandise was delivered on XX/XX/XXXX. The tracking number is : XXXX XXXX XXXX XXXX XXXX XXXX. I went to my local XXXX XXXX XXXX XXXX, ( XXXX ) XXXX, talked to clerk XXXX, he was able to confirm that this was not a package meant for me, but a XXXX. package ( postage {$4.00} ) which was delivered on XX/XX/XXXX, to XXXX XXXX XXXX in XXXX XXXX, OH ( I live on XXXX XXXX XXXX in XXXX XXXX, OH, but the two cities share the same ZIP Code ). My merchandise would have been about XXXX. XXXX opinion was that the merchant had fished a tracking number, provided XXXX with it, they took it as valid and provided Discover with the information that a package with that tracking number was delivered. With that information I contacted XXXX. Using the information from my Discover statement XXXX XXXX XXXX CA. I was lucky that agent XXXX was able to find the dispute with Discover within a few seconds, that it was closed as not fraudulent since the merchant had provided a USPS tracking number as proof of shipping. We discussed the case in detail, and he agreed that it is considered fraud when a seller provides a false tracking number to make the buyer believe he has shipped merchandise, but he also admitted that it is nearly impossible to verify all information they get from merchants, there are simply too many claims like this. XXXX has the case reopened and escalated, and I was supposed to hear from them by XX/XX/XXXX, and that it is very likely that the charge would be reversed in my favor. That did not happen, and I called XXXX again on XX/XX/XXXX. The agent told me to get in touch with Discover again and request a chargeback, and that XXXX would not be able to help me. On Saturday XX/XX/XXXX, I had received a letter from Discover in which I am told the investigation has been completed and no fraud has occurred on my account, and that the dispute has been reported to the credit reporting agencies until I advise Discover to remove the dispute status. On XX/XX/XXXX, I sent a Fax to a number Discover Customer Protection Services had provided me with. I requested the dispute to be removed from my credit reports and to provide written proof by XX/XX/XXXX. Neither Discover nor XXXX have done their due diligence in this case, and in return for doing this entire investigation myself, I am now stuck with Discover reporting this dispute to the Credit Bureaus, plus I am charged with an amount of {$64.00} and no merchandise. In my call to Discover on XX/XX/XXXX an agent told me Customer Protection Services does not accept faxed documents, and they did not know who received my fax. I asked to tell me what department is using the fax number I had been provided with, the agent refused to answer that. I then asked for the billing or chargeback department and asked the agent why they had not opened my case on XX/XX/XXXX during my first interaction with them, and I was told that the agent was mad that I had asked for a supervisor, and that she asked me for documentation, therefore she did not change my case from fraud to chargeback. I told her that I would send my fax from XX/XX/XXXX again, this time to the billing department, in which everything is explained in detail, she refused to provide me with a fax number. I used online-banking and an agent with the name XXXX in an online chat and asked for a fax number for the billing department. I have sent another fax today.
05/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • TX
  • 757XX
Web
I removed names and addresses and phone numbers from their response. I submitted a complaint through the cfpb trying to seek resolution to an on going issue with discover card. The response I recieved provided no resolution and only a promise to take the issue out of the perview of the cfpb. This is not acceptable, # 1 that the CFPB considers this an actual response, # 2 that the cfpb would allow them to close the complaint without addressing my concerns. Discover Card, rather than addressing my complaint, said we have no further information to provide at this time, this was in reference to the original complaint, where they said it would take up to 90 days to actually respond, which is beyond the fcras 30 day limit, and the cfpb 60 day limit. The cfpb said ... ok no problem, that's acceptable and closed that complaint as well. The complaint should not be closed until resolution is provided. How else can the cfpb determine if the complaint was addressed, and addressed with in a timely manner. Discover card, closing the complaint before resolution is unacceptable. Why even bother with all the extra lingo, if that lingo contains no resolution ... just type a random letter or number on the keyboard, and close the complaint. It's the equivalent of what you did, and it is not acceptable. Please resolve this issue within the 60 days allotted by the cfpb, and do not close the complaint until resolution is provided through the cfpb. Bellow is the last response with in you can find the complaint number, as well as the original complaint number which started the time clock. Do not reset the time clock as they have not actually addressed my concerns at all. XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT Companies response says they will take longer than 30 days to resolve the dispute. Fcra allows them 30days. The information they provided violates the fcra because it lies about the time frame a company has to resolve a credit dispute. A creditor can not provide misleading information to a consumer. Their response attached. FTC theft report number is. Please remove from credit bureaus. ATTACHMENTS ScreenshotXXXX ( XXXX KB ) View full complaint Sent to company STATUS Sent to company on XX/XX/2021 We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response XX/XX/2021 RE : Discover card account ending in XXXX Consumer Financial Protection Bureau Case # : XXXX Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. We regret any dissatisfaction with our XX/XX/2021 response to your CFPB case number XXXX. As advised in our prior response, based on the information you provided an investigation was initiated into your claim that the above referenced account was fraudulently opened. There is no additional information we are able to provide at this time, as the investigation is still ongoing. Should you continue to have questions or have additional information you wish to provide, we recommend contacting our Customer Protection Services department at. Once our investigation is complete, our Customer Protection Services department will contact you in writing with their findings. Thank you for allowing me the opportunity to address your concerns. Should you have any additional questions or concerns, please contact me at (. I am typically available XXXX, from XXXX XXXX to XXXX XXXX ( ET ). Sincerely, XXXX XXXX Executive Office of Customer Advocacy CC : Consumer Financial Protection Bureau Feedback provided STATUS Feedback provided on XX/XX/2021 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS The original response said they would take up to 90 days to respond. That's is not acceptable. I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS This was a no response. THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No
11/15/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • IN
  • 46530
Web
Discover Bank is in violation of Regulation E. I, a consumer, have been forced into financial hardship for Discover Banks non-responsiveness to my communication ( s ), communications directly from the IRS, and communications from the Taxpayer Advocate Service AND by Discover Banks lack of controls in place relevant to unauthorized transfers. To date, damages totaling {$6400.00} have not been returned to me or the IRS. In response to CFPB Complaint XXXX ( attached along with all supporting documentation ) Discover Bank stated, Our records show that we received communication from you on this topic well after the {$6100.00} federal tax refund and {$300.00} state tax were deposited... On the contrary, Regulation E 1005.6 ( a ) Timely Notice Given, states : ( 1 ) If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumer 's liability shall not exceed the lesser of {$50.00} or the amount of unauthorized transfers that occur before notice to the financial institution... ( 3 ) Periodic statement ; timely notice not given. A consumer must report an unauthorized electronic fund transfer that appears on a periodic statement within 60 days of the financial institution 's transmittal of the statement to avoid liability for subsequent transfers. I notified Discover Bank the SAME DAY I learned of the unauthorized transactions. The funds were deposited into fraudulent Discover Bank account XXXX on XX/XX/2020. I informed of Discover Bank of this criminal activity via phone call on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and more dates that I didn't record. I've notified them via successful fax on XX/XX/XXXX and XX/XX/XXXX, and third parties, IRS and Taxpayer Advocate Service, notified Discover Bank as well ; correspondence attached for your reference. All efforts were well within the 2-day/60-day timeframes. Moreover, Regulation E 1005.6 ( a ) ( 5 ) Notice to Financial Institution states : ( i ) Notice to a financial institution is given when a consumer takes steps reasonably necessary to provide the institution with the pertinent information, whether or not a particular employee or agent of the institution actually receives the information. ( ii ) The consumer may notify the institution in person, by telephone, or in writing. ( iii ) Written notice is considered given at the time the consumer mails the notice or delivers it for transmission to the institution by any other usual means. Notice may be considered constructively given when the institution becomes aware of circumstances leading to the reasonable belief that an unauthorized transfer to or from the consumer 's account has been or may be made. Further, Discover Banks response also stated, you may want to contact the IRS and state tax authority to see if any remaining funds ( if applicable/available ) in the account can be recalled. The IRS and the Taxpayer Advocate Service have made numerous attempts to recall these funds PRIOR to Discover Banks response to my complaint. All third-party efforts have gone UNANSWERED by Discover Bank. Please see the attached letter from the Taxpayer Advocate Service that says depicts the efforts to reach Discover Bank and recall the funds. ***IMPORTANT : The letter from Taxpayer Advocate Service is dated XX/XX/2020, but I did not receive until XX/XX/2020 as youll see in the email following the letter. The Taxpayer Advocate Service is months behind as a result from the COVID-19 pandemic, hence why I was unable to provide feedback on or before XX/XX/2020 as requested by CFPB*** The Federal IRS invoked a recall of the federal funds on XX/XX/2020. Indiana invoked a recall of the state return funds, of which the trace number was provided to Discover Bank via a successfully delivered fax on XX/XX/2020 ( attached for your reference ). EVEN MORE, youll see there were THREE unauthorized deposits into this fraudulent account ; one of which Discover Bank returned to the IRS. A CLEAR ADMISSION of wrongdoing! I am a taxpaying citizen and these funds belong to me ; NOT to Discover Bank. Lastly, When I spoke w/ Discover Banks security team, they stated that they were taking notes of our conversation ( s ), but I would not be updated because I am not an owner of fraudulent account XXXX. Per Regulation E, a financial institution is to keep its consumer current of investigative efforts. Though I am not the owner of account XXXX, I have a credit card and a loan through Discover. I AM A CONSUMER OF DISCOVER BANK. Regulation E 1005.11 ( a ) ( 1 ) states : Types of transfers or inquiries covered. The term error means : ( i ) An unauthorized electronic fund transfer ; ( ii ) An incorrect electronic fund transfer to or from the consumer 's account ;... ( vii ) The consumer 's request for documentation required by 1005.9 or 1005.10 ( a ) or for additional information or clarification concerning an electronic fund transfer, including a request the consumer makes to determine whether an error exists
08/01/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32792
Web
I have been for a few months now monitoring my credit reports, having any and all listed accounts investigated as proper means of verification, validation, and accuracy. In the case of this Discover account I have been disputing the accuracy and validity of. I have disputed the account 's accuracy directly with Discover, as law requires, and disputed the validity of the with the major credit bureaus. I indeed disputed first with the credit bureaus. The company 's name appears as Discover Bank, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ( abbreviated ) on my reports. I requested a thorough/proper investigation directly from Discover ; under Section 623 of the FCRA, I have this right to seek investigation from them and to receive from them detailed results of their investigation, which includes the methods used and proof of how they ( repeatedly ) came to the conclusion that the account is " accurate '', " mine '', " verified '', and " valid ''. I should clarify that I am aware of the trickiness of using the term " proof '' in invoking FCRA Section 623. What I mean is that the findings of their investigation should POINT to whether or not the account is accurate, verified & valid, and they are supposed to correct an account if not. In the case of my disputing the accuracy of the entire account, as well as the accuracy of their conclusions to their investigation, a correction also includes deletion. Plainly, to this date, I have not received good, solid reasons, proof, investigation results, etc. from Discover or the major credit bureaus proving/confirming that the account is accurate, verified, and valid. To the credit bureaus, I investigated this account citing Section 609, demanding proof of the account 's validity ; this proof I requested was an original consumer contract bearing my actual, wet signature. The bureaus have not cooperated at all, and I plan to do a separate report on them individually. THEY HAVE BEEN TAKING DISCOVER 'S WORD ( that the account is " accurate '' & " verified '' ) WITH ZERO REAL PROOF. How is a consumer supposed to dispute false accounts when companies just continue sticking this false information on reports with no serious investigations or valid proof? I feel like my hands are tied because both parties refuse to listen and I keep getting absurd responses back. I have attached a few documents : They are all of the letters I have sent to Discover directly and redacted versions of the letters I sent to the bureaus ( so that it does not include other disputed accounts since they are not a part of this complaint ). I must point out two things regarding these documents ... 1 ) It is VERY important to highlight the fact that Discover has PROVEN that they do not even have enough information to claim that the account is valid, accurate, and verified! I have attached the documents proving this. Yet? The bureaus never took this info seriously when I mentioned it to them and Discover ( who I am filing THIS complaint against ) never acted properly by deleting this invalidated account after I pointed out the same to them. They keep sending the same brick-wall letters stating that they will continue to collect and report the account as 'disputed '. 2 ) I asked extremely important questions in the Section 623 letters to Discover and THEY WERE NEVER ANSWERED. The questions contest each of their bullet-pointed reasons as to why the false account is supposedly " accurate '' and " verified ''. For example, since they are so certain of the reasons, I ask for them to provide findings from their " investigation '' that proves I used the card for purchases and that I received the card in the first place! Have I gotten this simple info after well over 90 days of requesting ( since XXXX-XXXX )? No. Does the CFPB stand by this sort of negligent, dangerous, reckless acts on the part of Discover ( and the bureaus )? FCRA Section 623 demands that if an original creditor does not have accurate records pertaining to a debt, then the creditor must have the credit bureaus remove the negative information from my credit reports. Discover has not been complying properly with this process. I do not entirely understand what it is I am supposed to do to contest unverified, invalidated, inaccurate accounts when I am constantly met with 'we are going to continue reporting anyway whether or not we have proof or provide you the consumer with proof '. Absurdity! Moreover, as you see from the attachments, I have increasingly given the bureaus and Discover more information and made my case plainer. I have been and still am seeking that this account is deleted from my person and from all of my credit reports Discover reports the account to. Why? I have repeatedly disputed and repeatedly requested investigations. There have not been any serious investigations ; the questions & observations challenging their non-conclusions were never taken into consideration ; and there has never been any furnishing of accurate records pertaining to that debt.
03/16/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • SD
  • 57105
Web
I signed up for Discover Student Loans ' automatic payments last XXXX, to take advantage of the interest rate reduction offer, as well as for my own convenience. I will provide the auto payment confirmation letter from XXXX. Please find this sentence : " The amount deducted each month will be equal to the amount due on your monthly statement, so please ensure that sufficient funds are available in your bank account on the day your payment is due. '' The auto payments began with my XX/XX/XXXX payment, as expected. The problems began with my XX/XX/XXXX payment, I guess. I will provide all of my XXXX statements from XX/XX/XXXX until the current XX/XX/XXXX statement. My XXXX statement reflects a payment of {$190.00} due on XX/XX/XXXX. My XXXX statement shows this payment was made on XX/XX/XXXX, yet now shows all of these loans with past due amounts. ( Why? The payment was timely. ) The new payment is {$220.00}, due XX/XX/XXXX. My XXXX statement shows a payment was made for {$190.00} on XX/XX/XXXX. ( Why? The auto payment system is supposed to take the amount due, so if {$220.00} was due, why did it take {$190.00}? ) All of the loans were till showing past due amounts, and a payment of {$220.00} was due on XX/XX/XXXX. This time it has a new message showing an auto debit amount of {$200.00}. ( Why? Where does this number come from? It's neither the amount due I had been paying of {$190.00}, nor the amount due on XX/XX/XXXX of {$220.00}, NOR the amount due on XX/XX/XXXX of {$220.00}. ) My XXXX statement shows the payment of {$200.00} was received on XX/XX/XXXX, a payment of {$220.00} is due XX/XX/XXXX. All of the loans are still showing past due. Again, the statement shows an auto debit amount of {$200.00} on XX/XX/XXXX. ( Again, why? Where does this number come from? ) For some reason, there are XXXX XXXX statements, but they look the same to me. My XXXX statement shows the payment of {$200.00} was received on XX/XX/XXXX, a payment of {$220.00} is due XX/XX/XXXX. All of the loans are still showing past due. Again, the statement shows an auto debit amount of {$200.00} on XX/XX/XXXX. My XX/XX/XXXX statement shows the payment of {$200.00} was received on XX/XX/XXXX, a payment of {$220.00} is due XX/XX/XXXX. All of the loans are still showing past due. Now, the statement shows an auto debit amount of {$200.00} on XX/XX/XXXX. In XX/XX/XXXX, I finally became aware of this situation when I logged in to get my XXXX form for my taxes. ( Keep in mind, at this point, I have no idea that I'm " past due '', because auto payments are being taken from my checking account every month, and they are supposed to be for the amount due, according to the terms of the auto payment program! ) I immediately paid the " past due '' amount, online. My XX/XX/XXXX statement shows the auto payment, my additional payment for the " past due '' amount, and an extra payment I made to pay 2 of the loans in full. I will provide confirmation letters of these one-time in-full payments. Finally, on this statement, there are no loans reflecting past due amounts. A payment of {$180.00} is due on XX/XX/XXXX, and the statement now shows an auto debit amount {$180.00} on XX/XX/XXXX. It looks like all is well, again. However ... My XX/XX/XXXX statement shows the payment of {$180.00} was received on XX/XX/XXXX, a payment of {$180.00} is due XX/XX/XXXX. Several of the loans are showing past due. Again, the statement shows an auto debit amount of {$180.00} on 3/28/2018. For some reason, my 2 one-time payments for the payoff of 2 loans are shown again. I don't know why this is. My payment history also reflects this, and one of the payments is in a " reversed '' status. There was no reversed payment! I will provide my checking account statements showing the payment was sent to Discover and no payments were reversed! The XXXX statement also reflects a phone payment I made on XX/XX/XXXX to correct the past-due amounts I was seeing online. My account is STILL showing me a message on the front page saying that I am delinquent even though I am NOT delinquent. I get contradictory information in inbox messages from them. The first person I asked about the most recent " delinquency '' just told me they were forwarding it, whatever that means. The second person I asked told me that I was assessed a late fee ... even though I was NOT late ( IT SHOULD BE IMPOSSIBLE TO BE LATE WITH AUTO PAY IF THE MONEY IS AVAILABLE FROM MY CHECKING ACCOUNT!!! ), yet they don't charge late fees. WHAT IS GOING ON AT DISCOVER? THIS IS LUDICROUS. We charged you a late fee but we don't charge late fees? WHAT??? Not exactly important, but I got 2 letters and inbox messages about waivers that I requested. I did NOT request any waivers of anything, they may have proactively waived fees they charged me in error, but that's on them, I didn't ask for it. I have tried corresponding with Discover through the messaging system on their website, but they are not solving any of these problems!
09/30/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NE
  • XXXXX
Web Older American
This formal complaint will be tendered ( in court ) as evidence that consumer ( Discover Card account ending in XXXX ) is responding to two threatening, intimidating dunning letters sent simultaneously on XX/XX/2018 and XX/XX/2018. Both letters are in violation of a 30-day timeline ( to respond ) under the Fair Debt Collection Practices Act ; ( FDCPA ). Sending back to back dunning letters will garner no more credence than sending one letter. One can only assume the purpose for bombarding consumer with threatening letters is to harass consumer and cause unwarranted distress, as well as emotional, psychological harm. Based on a debt collection disclaimer in the footnote of each dunning letter, Discover Bank has subjectively put them selves under the umbrella of the Federal Trades Commission ( FTC ) who governs the Fair Debt Collection Practices Act ( FDCPA ) ; Sec. 805. [ 15 U.S.C. 1692c ]. Therefore Discover Bank must adhere to the perimeters of that Act. Displaying these kinds of disclaimers in the body of dunning letters bounds the company under federal law. Consumer is 90-years old. Consumer is head-of-household and has no attachable property of value. Consumer is a victim of another individuals misuse of the Discover Card. Consumer " disputes '' owing charges indicative of {$22000.00}. Consumer can prove consumers bank account has been compromised ( on several occasions ) ; and is presently under a Bank investigation. Consumer is fearful and devastated by the meaning of the dunning letters and doesnt understand Discover Banks purpose for causing undue havoc in consumers elderly life. It is important that consumer use this venue to convey a strong message that consumer has rights and protection under state and federal law. Serious ramifications will commence if those rights and protections are violated. Consumers sole income is Social Security income which is federally protected income under the Social Security Administration Act ( SSA ) ; Sec. 207. [ 42 U.S.C. 407 ] ( a ). Consumer has a copy of consumers Social Security Award letter that consumer will provide if warranted. Please be advised : Under compilation of the Social Security Laws Section 207 [ 42 U.S.C. 407 ] ( a ) which states : the right of any person to any future payment under this title shall NOT be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or other legal process, or the operation of any bankruptcy or insolvency law., whether consumer gives permission or not they do not have the authority to authorize garnishment of a federally protected account. Under XXXX Revised Statute Section 25-1563.01. ; the same Supreme Court ruling applies in this matter. Consumers protected income presents a genuine issue of material fact that if a summary judgment is granted ( after receipt of this formal notification ) it shall be construed as a deceptive, frivolous, abusive and harassing process that can garner monetary retribution for consumer. Consumer is impoverished and refuses to be a victim of unjust enrichment and extortive tactics. Consumer has no fiduciary or contractual obligation to a third party debt collector because there is no exchange of any benefit or detriment with ANY future collection agencies, junk debt buyers ( JDB ) or collection law firms. There will be no enforceable agreement. No payment history, nor products, or services has been rendered to such entities because these elements do not exist ; there is a 'failure of consideration ' and no valid agreement, contract or fiduciary obligation under federal law that requires payment to such parties. Furthermore, a federal ( and civil ) lawsuit will ensue if consumers Social Security income is tampered with after receipt of this formal notice. *Please reference : XXXX *4:07-cv-00109 vs. XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX ) ; as a federal magistrate Judge ruled in favor of the consumer and sanctioned the collection law firm for unlawful garnishment of a federally protected income account in lieu of formal ( written ) notification and a blatant disregard for federal law. Please note, that garnishment of Social Security funds from a bank account after collector is on notice that the bank account only contains exempt funds can be an unfair debt collection violation with extensive ( monetary ) ramifications. It is consumer 's hope that this complaint will cease ( written and phone ) communication immediately as consumer must give consumer 's bank due process in their mission to investigate missing funds and compromise of consumer 's bank account. Consumer maintains that consumer did not make extensive charges to a Discover Credit Card ending in XXXX. Consumer would like to thank the Consumer Financial Protection Bureau ( CFPB ) for its mission and purpose in keeping consumers safe and fairly represented. It is greatly appreciated. Thank you!
03/26/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • NC
  • 27513
Web
Started this log on XXXX XX/XX/XXXX. I have been a Discover cardholder since XXXX and have never missed a payment. I have automatic payments set-up to pay in full each time. Also, my FICO score is XXXX ; so no credit related issues. XXXX XX/XX/XXXX ( XXXX XXXX ) Received a phone call at from XXXX. Since I didnt know the number I let it go to phone mail. When I listen to the message, it was from Discover card saying I need to contact them immediately. I have a copy of the phone mail. I tired to log into my account online but was unable to do so. XXXX XX/XX/XXXX ( XXXX XXXX ) I returned the call. I was immediately directed to the security group who explained that although there was no breach of my account and no unauthorized use, However, they placed a security hold on my account per a new security procedure that they are doing. This act locked my account so I can not view anything. I was also told that Discover card would be sending me a letter within 3-5 days with directions on how to get my account unlocked. I asked what they needed and why and was told a copy of my Social Security card. I told the guy this sounds like a scam and said I would call Discover card directly ( the number on the back of my card ). He said OK. XXXX XX/XX/XXXX ( XXXX XXXX ) Using the phone number on the back of my Discover card I called and was again transferred to the security department to a customer representative who was extremely rude. I was shocked. She essentially threatened me saying if I didnt comply and send a copy of my social security card in the mail that they would cancel my account. XXXX XX/XX/XXXX ( XXXX XXXX ) I called the Attorney General Office and spoke to a woman who was very nice. I did not catch her name. I explained what had happened so far and she informed me to not send a copy of my Social Security card ; but to file a claim online and enclose a copy of the letter once received. One thing that she mentioned ( which I thought was important ) was that when I applied for the Discover card I provided all of the necessary information including my Social Security number at that time and the card was approved. Therefore, I should never have to do this again. XXXX XX/XX/XXXX ( XXXX XXXX ) Arrived home and I called Discover card and spoke with XXXX. He explained that Discover card is trying to confirm my social security number with XXXX. I told him that if you cross check Discover card records with my XXXX records you would see that the Social Security Number is the same. I also told him at that time, that I have all my credit bureau as accounts locked down for my safety. While this was recommended after the XXXX security breach, I have had this in place for numerous years. Always better safe then sorry. Since I do everything with Discover card electronically, without access, I needed to be able to see my statements for my account and asked if they could send me copies for all XXXX as my next bill will be due XXXX XXXX. I just wanted to be sure that if my account is frozen that my next bill would be paid and I was reassured that the electronic bank transfer to pay my bill in full would occur. I also had a credit on my account that I wanted to apply to the next payment. To accomplish this, I was transferred to billing to XXXX. She said she could not help me so she transferred back to security to XXXX who took care of this. XXXX was great and doubled checked everything so could receive copies of my statements too. My primary concerns are as follows : 1. I would prefer not to and can not justify sending or faxing a copy of my Social Security card to Discover card. That goes against everything I know about protecting oneself from identity theft. When I applied for this credit card back in XXXX, I provided my Social Security number ( encrypted online ) through the Discover Website ; they did a credit check and then sent me a credit card. I signed up for direct payment ( in full each month ) and have never missed a payment. Never a problem since inception. 2. As explained to me by the Discover Customer service representatives, if I do not comply, they will close my account. I am OK with that ( not a problem ). After having to deal with all of this hassle, I would rather not give them my business anyway. However, ( 1 ) this request makes no sense to me and their letter came to me later then 3-5 days and ( 2 ) my primary concern is if they close my account, will that action negatively impact my credit rating? If so and this action will impact my credit rating, is there anything I can do? Thanks in advance for your assistance. From XXXX XXXX : My social security card was issued in the XX/XX/XXXX and it says clearly : Not for identification. Thats because when these numbers were first introduced in the XX/XX/XXXX they were meant for one reason, and one reason only : To track our Social Security contributions to the giant government pool so we could rightfully claim benefits later in life.
06/12/2020 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • VA
  • 23059
Web
Collection Company : XXXX XXXX XXXX XXXX. Phone : ( XXXX ) - XXXX - XXXX Address : XXXX XXXX XXXX , XXXX . XXXX XXXX XXXX XXXX, MN XXXX & XXXX XXXX XXXX XXXX, CA XXXX Complaint : I am requesting a formal escalation to the FTC to include a full investigation into the unlawful and deceptive business practices of XXXX XXXX XXXX XXXX, its executive management team, in house collection team and any affiliated collection service companies. Currently I ( and members of my family are being attacked regarding a debt tied to my SSN ) via harassment by XXXX XXXX XXXX XXXX regarding a debt they currently hold under my SSN. Each of my creditors, on every account that is going unpaid due to my inability to pay approximately {$480000.00} dollars in debts to various creditors and the IRS. Each creditor was notified in writing that I will be filing for bankruptcy as soon as I have enough money to secure an affordable attorney and cover my filing fees. For each company I submitted and verified that they received my request for a cease and desist for no contact - with additional directions to require them to mark the account in a manner that if the debt was outsourced for collection that they would see the account notated for no contact as well. XXXX XXXX XXXX XXXX has willfully engaged in a complete disregard for my request despite them receiving a SECONDARY cease and desist request with notice of intent to file bankruptcy delivered to : XXXX XXXX XXXX XXXX, MN XXXX & XXXX XXXX XXXX XXXX, CA XXXX Their company consistently operates outside of federal protections regarding debt collection and following their unsuccessful attempts to bully and harass me into paying a debt that I can not pay they have begun their persistent aggravated contact attempts to my family members and roommates including an onslaught of daily phone calls to my father ( same name ), who lives in a different time zone and they call him between the hours of XXXX and XXXX XXXX his local time. XXXX XXXX XXXX XXXX is further advised for immediate notice in this escalation complaint addressed to the CFPB and FTC to cease and desist any and all communications with me, my employers ( past, present, future ) and to discontinue their harassment, intimidation, and contact with my relatives/roommates/associates. As well as to black list my social security number and bar any accounts past, present, or future from any kind of contact. I feel I am under extreme duress from their relentless refusal to cease their harassment and communications to 3rd parties disclosing my debt. XXXX XXXX XXXX XXXX has received the separate notice advising that I am having to file a bankruptcy and Im getting together my filing fees. I dont have the funds at this time and although there are several legal firms who have offered to take up my harassment case against XXXX XXXX XXXX XXXX in a class action claim at no cost upfront ; my bankruptcy filing is a different issue it takes time to get together the funding for that with my family providing assistance when they can. There is no confusion regarding my clear communication to XXXX XXXX XXXX XXXX. In order to fraudulently obtain a default court judgement in their favor, they are consciously falsifying their contact records and will deny any receipt of my correspondence and continue to aggressively collect on a debt held by their offices. I am certain they have falsified their records. In the process of their aggressive collection efforts even after receiving my cease and desist requests with notification of bankruptcy intent ; they have exposed my private financial issues to my family members and my roommates. Their actions have put an agonizing amount of stress on me and ruined my mental health state. I have also escalated a formal complaint including documentation to the Virginia State Attorney Generals office for investigation into the business dealings of XXXX XXXX XXXX XXXX in my state. Regarding my concerns, I am requesting a further investigation into XXXX XXXX XXXX XXXX including a full review of their business practices and detailed audit of other consumer complaints like mine against their company. They can not be allowed to continue operating beyond the scope of required business practices for a debt collection agency. After consulting with a legal advocate attorney who is handling other complaints against XXXX XXXX XXXX XXXX, I intend to seek all options through class action or individual suit including any compensation available to me based on the array of evidence ; and their intimidation and blatant disregard for the protective laws in place by flat out refusing to abide by my cease and desist requests for no contact along with an additional refusal even after receiving notice of my intent to file bankruptcy. This notice of complaint to be filed with the CFPB and FTC as well as the Virginia State Attorney Generals office serves as notice of my grievances with this collection company.
06/16/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • XXXXX
Web Servicemember
I CONTINUE TO DISPUTE THE {$2200.00} CHARGED BY XXXX XXXX XXXX. THIS MERCHANT REFUSES TO PROVIDE A CREDIT FOR FAULTY AND DEFECTIVE MERCHANDISE WHICH WE HAVE ALREADY ATTEMPTED TO RETURN. WE WILL NOT PAY FOR DEFECTIVE MERCHANDISE. YOUR RESPONDENT, SENIOR ASSOCIATE XXXX XXXX XXXX FROM THE EXECUTIVE OFFICE OF CUSTOMER ADVOCACY HAS, 1 ) IGNORED TWO OR THREE PHONES CALLS THUS FAR, 2 ) HAS SENT A BOILER PLATE RESPONSE WHICH DID NOT ADDRESS ANY OR OUR CONTINUED ISSUES UP FOR DISPUTE. 3 ) HE HAS BEEN DISMISSIVE AND INDIFFERENT AND FRANKLY, RUDE AND UNCARING. INCIDENTALLY, AS RECENTLY AS TWO DAYS AGO, I CALLED HIM BACK AND HIS RECORDED MESSAGE STILL SAYS HE IS OUT OF THE OFFICE AND WILL RETURN ON XX/XX/2018. TODAY IS XX/XX/2018 AND HAVING SOMEONE FROM YOUR EXECUTIVE OFFICE NOT HAVE THE COURTESY AND PROFESSIONALISM TO : 1 ) NOT UPDATE HIS RECORDED VOICEMAIL MESSAGE, 2 ) NOT RETURN PHONE CALLS, 3 ) NOT ADDRESS THE CONTINUED DISPUTE AND NOT REVIEW AND INVESTIGATE THIS ISSUE FULLY, PROVIDING NO OBJECTIVE REVIEW THE FACTS, AND 4 ) ARBITRARILY SIDE WITH A ROGUE MERCHANT WHO FEELS THEY ARE ABOVE THE LAW AND CAN REFUSE THE RETURN, IS DISTURBING. WE CONTINUE TO DISPUTE THE {$2200.00} CHARGED BY XXXX XXXX XXXX. THIS MERCHANT REFUSES TO PROVIDE A CREDIT FOR FAULTY AND DEFECTIVE MERCHANDISE WHICH WE HAVE ALREADY ATTEMPTED TO RETURN. WE WILL NOT PAY FOR DEFECTIVE MERCHANDISE! HAVING SOMEONE FROM YOUR EXECUTIVE OFFICE NOT HAVE THE COURTESY AND PROFESSIONALISM TO NOT ONLY NOT RETURN PHONE CALLS, NOT ADDRESS THE CONTINUED DISPUTE AND REVIEW AND INVESTIGATE THIS ISSUE FULLY AND OBJECTIVELY REVIEW FACTS, AND ARBITRARILY SIDE WITH A ROGUE MERCHANT WHO FEELS THEY ARE ABOVE THE LAW AND WHO REFUSE TO ALLOW THE CUSTOMER ( US ) TO RETURN DEFECTIVE MERCHANDISE, IS INEXCUSABLE. AND FOR XXXX XXXX XXXX TO NOT HAVE THE COURTESY AND PROFESSIONALISM TO TAKE THE TIME TO UPDATE HIS RECORDED GREETING IS VERY TELLING. XXXX XXXX XXXX FROM THE EXECUTIVE OFFICE OF CUSTOMER ADVOCACY UNFAIRLY SIDED WITH THE MERCHANT BASED ON THE FACT THAT THE MERCHANT VOLUNTARILY ISSUED A CREDIT OF {$100.00} BECAUSE THEY HAD CHARGED US FOR HEADLIGHTS WHICH WERE NEVER DELIVERED, DOES NOT ABSOLVE THEM AND CHANGE THE FACT THAT {$2200.00} WAS CHARGED ON OUR DISCOVER CARD FOR FAULTY MERCHANDISE. XXXX XXXX XXXX ALSO SIDED WITH THE MERCHANT BECAUSE WE " WAITED '' TO REPORT THIS. THE REASONS WE WAITED HAVE BEEN OUTLINED IN OUR PREVIOUS EMAIL ; BETWEEN HAVING OT DEAL WITH ISSUES RELATED TO : 1 ) MY HUSBAND 'S MILITARY XXXX, 2 ) HIS XXXX, 3 ) RELOCATION OF OUR HOME 4 ) THE DEATH OF MY HUSBAND 'S SERVICE COMPANION, AND MANY OTHER ISSUES ( PLEASE KNOW MY HUSBAND IS AT ALMOST XXXX % VA XXXX DUE TO HIS DUTY PERFORMED IN THE DEFENSE OF OUR COUNTRY ) .MANY OTHER LIFE ISSUES WARRANTED OUR FIRST PRIORITIES, AND GOING TO THE BODY SHOP TO HAVE THIS DEFECTIVE KIT INSTALLED BY OUR BODY SHOP WAS NOT FIRST ON OUR PRIORITY LIST AND SHOULD NOT BE HELD AGAINST US , THOUGH XXXX XXXX XXXX XXXX HAS CHOSEN TO DO AS THAT WAS PART OF HIS RESPONSE IN SUPPORT OF THE MERCHANT. WE ARE YOUR CUSTOMERS, NOT THE MERCHANT ; THAT ALSO IS VERY TELLING AND DISTURBING. HOW DOES A MEMBER OF YOUR EXECUTIVE " CUSTOMER ADVOCACY '' TEAM IGNORE PHONE CALLS AND FAIL TO PERFORM A THOROUGH, FAIR, OBJECTIVE, REAL, AND LEGITIMATE INVESTIGATION INTO THIS ISSUE AND FAIL TO PROVIDE THE MOST MINIMAL ASSISTANCE TO YOUR CUSTOMERS FOR THE ACTION OF A ROGUE MERCHANT WHO HAS REFUSED TO ACCEPT THE DEFECTIVE ITEM FOR RETURN AND WHO HAS REFUSED TO PROVIDE A CREDIT FOR SAID ITEM? I WANT THIS ISSUE ESCALATED AS I HAVE REQUESTED XXXX XXXX XXXX FROM THE EXECUTIVE OFFICE OF CUSTOMER ADVOCACY TO DO MULTIPLE TIMES. HE HAS UNFAIRLY SIDED WITH THE MERCHANT BASED ON WHAT THE MERCHANT HAS TOLD HIM. HE HAS NEVER ONCE HEARD OUR SIDE. A CREDIT OF {$100.00} BECAUSE THE MERCHANT CHARGED US FOR HEADLIGHTS WHICH THEY NEVER DELIVERED DOES NOT ABSOLVE THEM FROM THE FACT THEY SOLD US A DEFECTIVE ITEM. WE ARE SEEKING FULL REIMBURSEMENT OF THE {$2200.00} LESS THE {$100.00} THAT THIS MERCHANT HAS FOR ALL INTENSIVE PURPOSES " STOLEN FROM US '' TO BE CREDITED AS THE ITEM IS DEFECTIVE, AND AS SUCH, NEW AND UNUSED AND WE HAVE CONTACTED THE MERCHANT SO WE CAN RETURN THE ITEM, AND THE MERCHANT HAS REFUSED TO ACCEPT THE RETURN OF THE DEFECTIVE, UNUSED AND UNUSABLE ITEM PURCHASED. ESCALATE THIS ISSUE OUT OF XXXX XXXX XXXX HANDS AND INTO THE HANDS OF SOMEONE FROM DISCOVER 'S " CUSTOMER ADVOCACY '' TEAM WHO TRULY TAKES THAT TITLE LITERALLY AND FIGURATIVELY. WE CONTINUE TO BE TREATED IN AN UNJUST AND UNFAIR MANNER BY DISCOVER AND THIS MERCHANT, AND IT APPEARS, YOU, CFPB HAS DONE NOTHING MORE THAN FORWARD OUR DISPUTE TO THEM FOR THEIR RESPONSE. ARE EITHER DISCOVER AND CFPB TRULY " ADVOCATING '' FOR YOUR CUSTOMERS, CONSUMERS AND TAX PAYERS? IF YOU ARE, SHOW IT WITH YOUR ACTIONS AND HELP US, TRULY HELP RECUPERATE THE MONEY TAKEN FROM US BY THIS MERCHANT VIA DISCOVER, WHO IS BEING COMPLICIT WITH THIS MERCHANT AT THIS POINT. THANK YOU
03/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CO
  • 80013
Web
Dear Sir or Madam : I am writing to dispute the charges as they appear on my statement : TRAVEL AGENCY FEE XXXX VA {$480.00} and TRAVEL AGENCY FEE XXXX, VA {$1700.00}. These items of XXXX and XXXX from an unidentified Travel Agency in XXXX, VA are in dispute because they inaccurate and or incomplete due to services not being rendered. We are not questioning the legitimacy of the charges, but rather making this a cut and dry non-receipt of services which were clearly not rendered. The tickets were booked, unknown by me and my party, through a third party travel agency who never identified themselves as such when we spoke on the phone. When we called to ask about our tickets through XXXX, with whom we thought wed booked, we were only told we could choose a re-book time for the tickets. However, as you may know, it became implausible and nearly impossible to rebook because the country my party and I were planning to traveling to had closed their borders to U.S. citizens. We brought the tickets as a group on different cards and spoke to the company on several occasions in order to sort out the charges and work with them on getting a refund, but ended up starting a dispute because we were no longer sure whether the company had actually sold us real tickets. They were neither friendly nor helpful and NEVER personally sent me the information I requested on the breakdown of the charges. We, as a group, talked with a person named XXXX several times about the charges and possibly receiving a refund. A refund we would have likely received if we had actually booked directly through the airline as we had been led to believe. A compensation I wonder if they, themselves may have received from the airline. Yes, there was confusion about the charges when we first talked ( because nothing was clearly labeled on my card statement ) and that was cleared up slightly, but questions still remained. The other person we purchased tickets through was named XXXX and no one in my party was ever able to speak with him. We were always told he was on vacation or away from his desk. We ended up never talking to XXXX or being able to ask about the charges. I would like to make it known that they also would not acknowledge that the Airline themselves canceled our flight. It was not canceled by us, the purchaser of the tickets. Nor was it within our power to accept a rebooking of the flight not knowing when we could fly again. The circumstances did not allow it. I will be posting copies of the emails we did receive after booking the ticket. I never received an email directly although the charges were on my card. They emailed another person in our party and I received the emails through them. Also, I would like to point out that according to the rules posted in the U.S. Department of transportation website we are entitled to a refund of even non-refundable tickets if : Passengers who purchase non-refundable tickets are not entitled to a refund unless the airline makes a promise to provide a refund OR the airline cancels a flight or makes a significant schedule change. XXXX XXXX XXXXXXXX That latter case has happened. So, if this company operates out of the U.S. as their multiple U.S. addresses imply, we are truly entitled to a refund. Their former address of XXXX VA claims has ( it would seem ) recently changed to recently changed to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX, XXXX ( still a U.S. address ) Please re-investigate this these matters and correct the disputed items as soon as possible. I will also be posting other items supporting my position. The above was the exact letter I sent to my credit card company about the dispute. This was two years ago. They ruled in the favor of the travel agency without realizing they were dealing with two different companies that we were sent to by XXXX XXXX themselves! The two companies are named XXXX XXXX and XXXX XXXX ( and yes that's spelled with XXXX XXXX ' ) XXXX XXXX only sells tickets in bulk to travel agencies and XXXX sells tickets to individuals. I still don't know if they are separately owned companies, but they certainly work together to confuse the consumer. I called both of these company numerous times. I was told by XXXX XXXX that they had refunded the ticket amount to XXXX minus fees and I should be able to get a refund with XXXX XXXX XXXX When I called XXXX I was initially promised a refund on a phone call which is ( recorded ) only to have them take back that promise after they found out about the chargeback. They vindictively withheld the refund because they were upset about the chargeback! Two of my traveling companions received a full refund for their tickets because their credit card company dealt directly with XXXX XXXX! I felt and continue to feel cheated by my credit card company who failed to recognize what was happening. They failed to see how I and my traveling companions were cheated by three travel agencies and an airline company!
11/22/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 128XX
Web Older American
This complaint is to be filed against : Discover Financial Services XXXX XXXX XXXX XXXX XXXX, IL To Whom it May Concern, On XX/XX/2021 at about XXXX EST, I attempted to order over the phone XXXX airplane tickets for my wife and I to XXXX XXXX XXXX in the amount of {$950.00} from a XXXX agency using my Discover credit card. At the time of the order, the travel agent told me that I would receive an email confirmation of the purchase with ticket details within XXXX minutes of the transaction. I waited until around XXXX XXXX but the confirmation never arrived. The following day ( XX/XX/2021 ) around XXXX EST as I was checking my emails looking for the confirmation from the travel agency ( which hasnt arrived ) I only saw an email from Discover which arrived at XXXX EST informing me that a purchase attempt was flagged as suspicious and had been declined requiring my personal confirmation. To me this meant that the transaction was not successful and the tickets were never ordered as I did not provide any additional authorization per Discovers email communication. However at XXXX XXXX I received another email from Discover stating the following : Thanks for confirming your recent purchase. Upon seeing this email, at XXXX XXXX, I immediately called Discover card services, explained the circumstances and was reassured by the Discover customer service representative that the transaction at the time of the call had still not gone through. At this time I asked that any further attempts of processing the order were blocked and that the transaction was canceled completely. I was reassured by the Discover representative that the transaction was indeed cancelled noting that there was nothing to worry about and there were no further action required on my end. After the live communication with Discover representative I continued to search for other tickets as we were going to a family reunion and we needed to secure our flight. I proceeded to order online thru a website recommended by my son XXXX Later that day ( XXXX ), as I was checking my emails and to my surprise I received a ticket confirmation from XXXX at XXXX EST. Additionally, at XXXX EST, there was another email from XXXX notifying that the credit card used had been declined for the booking and the transaction needed further action in order to be completed. Given the assurance in the morning by the Discover representative and the final email communication from XXXX notifying me that the transaction was declined, I was led to believe that no charges had gone through. On XX/XX/2021, I received the statement from Discover, with a charge from XXXX included. I proceeded to call Discover card services to dispute the charge and explained what has occurred a week prior. I was once again reassured by multiple tiers of Discover customer service representatives that the charge would be marked as disputed and removed from the statement. It was recommended that I also attempt to call the vendor ( XXXX ) directly to see if there was anything they would be able to offer but despite my trying, the vendor blocked my attempts by being unresponsive, asking me to call back numerous times and essentially giving me the run-around. On XX/XX/2021 I received an email confirmation from Discover card services that the circumstances were investigated and that they had ruled in my favor. On XX/XX/2021 I received a statement from Discover and I was surprised to see that the charge was still there. After reaching out once again to the DiscoveXXXX customer service I was notified at that time that decision had been overturned in favor of the XXXX this being done with no further conversations with me to provide additional context or explanation. Over the last several months, I have called and talked to Discover representatives over ten times to try and resolve the dispute but despite several promises to reopen the case and rectify, little to no action has been taken on Discovers part. Several representatives have apologized to me about the mistake and made promises that it would be resolved and that I would receive a phone calls from Discover supervisors within 48 hours. Despite the promises, with weeks and months passing by, I was left to call back yet again and again. The lack of professionalism and due diligence from Discovers side is unacceptable ( as was acknowledged by Discover representatives on several calls held ) and should not be how long-time customers and consumers at large should be treated. As is likely evident, this situation has caused me emotional pain and suffering been much more stressful than what anyone should endure when a mistake was made by a credit card company ( allowing a transaction to go through after being asked to cancel and assuring that direction would be followed ). I am seeking resolution to this situation and would like to be refunded the amount I was charged, as Discover has promised over several months. Regards, XXXX XXXX
05/11/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NM
  • 87124
Web
On XXXX XXXX I received notification from Discover Card that they believed a fraudulent transaction occurred on my Account for {$220.00}. I verified that it was fraudulent and thanked them for proactively contacting me. While talking with them on the phone they said that I would not be liable for the fraudulent charges and they would take care of it. They issued an immediate credit for {$220.00} and then cancelled my cards and issued new credit cards that I received in the mail a week or so later. On XX/XX/2023 they issued another credit of {$220.00} with the tag that it was a temporary credit pending investigation. The charges were from a merchant XXXX CA that I have never heard of nor have done business with. On XX/XX/XXXX they reversed the temporary credit of {$220.00} pending investigation without notification to me. I noticed the reversal on my account and called them a day or two after. During this call they transferred me to the fraud department and they said that it was a correction because they had issued 2 different credits to my account for {$220.00}. It was not very clear as to why they issued two credits and why they reversed one without notifying me, but once again I was told that I was not liable for the fraudulent charge of {$220.00}. On XX/XX/2023 I received a letter in the mail from Discover card dated XXXX XXXX stating that they had finished their additional review of the disputed transaction and found the charge to be valid. It stated that they had reversed the credit of {$220.00} and it was based on information that I submitted along with documentation provided by the Merchant which they attached. First, I never submitted anything to them ; they contacted me. Second, and most importantly, the 8 double sided pages they sent all clearly show that it was not me nor anyone on my account who made the transaction. The documents show it is a person located in Texas, not New Mexico where I live, a different name, different email address, and a different IP address than mine for the purchase. So all information sent to me does not match my personal information and is wrong and erroneous. I can share copies of this document if needed. So I called Discover card on XX/XX/XXXX and talked with XXXX in their Delaware office who quickly reviewed my account and the letter and apologized. She said I was completely correct and that the letter was a mistake and that they would credit my account and take care of it immediately. On XX/XX/XXXX I checked my account and the fraudulent charge was still showing on my account with no reversal. So I attempted to call them again and after being on hold for an extended time waiting to speak to a supervisor I was disconnected or hung up on so I called back again and after another extended period of being on hold waiting to speak with a supervisor I was transferred to a XXXX who I asked for her last name so that I would have some accountability and she refused to give me her name and was quite curt about it so I asked to speak with her manager and was told no managers were available. Which is ridiculous, so I told her I would wait. After almost 30 minutes she finally said her manager XXXX was available and she would transfer me. But she transferred me to XXXX voicemail. So I called back again and once again after another extended hold. I talked to a person by the name of XXXX who refused to let me talk to XXXX or any other manager and was just plain nasty and belligerent. So I did raise my voice after being on hold and hung up on, sent to voice mail and told her that I needed to speak with a manager immediately and how was it that XXXX was available 20 minutes before and not now. So she started to threaten to hang up on me and I told her not to but she hung up on me anyway. So I called in again and asked for a supervisor on the customer service team instead of the fraud department since they were not helpful and spoke to a XXXX who seemed extremely nice and helpful. She called over to the fraud department in my behalf and advocated for me. She told me once again that I was not going to be liable for the fraud charge of {$220.00}, and apologized for the the letter and said once again that it was a mistake by a different group. She also stated that it would take 72 hours for the charge to be removed which I told her was ridiculous, but was hopeful that it would be resolved. So as of today, XX/XX/XXXX, more than than 72 hours and the charge has not been reversed or refunded. I attempted to call Discover 's Customer Advocacy Group at XXXX and big surprise no live person to speak to only Leave a message which I did. I have not received a call back as of this time. The real sad thing is I keep seeing Discover Cards advertising where they say you will never have to pay for fraudulent purchases on your card with them. They need to be accountable for their false statements, lack of customer service and incompetence.
01/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30318
Web
To Whom It May Concern : I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. I demand the account be deleted from my consumer report. DISCOVER FIN SVCS LLC Credit Card with account # XXXX with a balance of {$1300.00}. You are furnishing inaccurate and incorrect information on my consumer report. The reporting of such information has caused severe damage to my reputation, general mode of living and my ability to obtain credit for personal or household uses. You and your inaccurate reporting have damaged my livelihood. The reporting of these account ( s ) is/are violations of The Fair Credit Reporting Act 15 U.S. Code 1681s2 F ( Clause iii ) - Responsibilities of furnishers of information to consumer reporting agencies. ( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. ( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. My account has been charged off according to my consumer reports and should not be reported according to the statue stated above! DISCOVER IS INTENTIONALLY BREAKING THE LAW UNDER THE FEDERAL CREDIT REPORTING ACT! IRS Publication 4681 ( 2020 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments Canceled debt. Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return unless one of the exceptions or exclusions described later applies. If the abandoned property secures a debt for which you are personally liable and the debt is canceled, you will realize ordinary income equal to the canceled debt. This income is separate from any amount realized from abandonment of the property. You must report this income on your return unless one of the exceptions or exclusions described in chapter 1 applies. Forms 1099-A and 1099-C. In most cases if you abandon : real property ( such as a home ), intangible property, or tangible personal property held ( wholly or partly ) for use in a trade or business or for investment that secures a loan and the lender knows the property has been abandoned, the lender should send you Form 1099-A showing information you need to figure your gain or loss from the abandonment. Also, if your debt is canceled and the lender must file Form 1099-C, the lender can include the information about the abandonment on that form instead of on Form 1099-A. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1. For abandonments of property and debt cancellations occurring in XXXX, these forms should be sent to you by XX/XX/XXXX. ACCORDING TO THE IRS PUBLICATION ABOVE CANCELED DEBT OR CHARGED OFF DEBT THE LENDER MUST FILE A 1099-C AND SEND A COPY TO THE CONSUMER. CHARGE OFF IS NO LONGER A DEBT BUT ORDINARY INCOME. ORDINARY INCOME IS NOT REPORTED ON A CONSUMER REPORT THEREFORE DISCOVER IS REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT! DISCOVER IS A FURNISHER OF INFORMATION TO A CONSUMER REPORTING AGENCY. DISCOVER IS PROHIBITED BY LAW TO SIEZE AND DESIST THE REPORTING OF INACCURATE AND INCORRECT INFORMATION. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In conclusion I have shown you the reason why there is an error on my consumer report. You have been put on notice that inaccurate and incorrect information has been reported on my consumer report. Discover has caused me and my family severe harm due to your negligence and inaccurate reporting. This a final opportunity to cure and delete the erroneous inaccurate account from my consumer report. YOU HAVE 10 CALENDAR DAYS TO DELETE THIS ACCOUNT FROM MY CONSUMER REPORT OR LEGAL ACTION WILL BE TAKEN AGAINST DISCOVER.
10/27/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NY
  • 117XX
Web
Fact, I, XXXX XXXX XXXX, am a federally protected consumer, debtor and holder in due course pursuant UCC 3-306. Fact, DISCOVER, is a for-profit company which headquarters is located in the area of XXXX, Illinois and is a creditor to the account in question. Fact, the account in question was opened in XXXX of XXXX, with, DISCOVER, using my personal identification and credit card information as defined in 15 USC 1602 ( l ). Fact, an account pursuant 12 CFR 1002.2 ( a ) means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit. Fact, since opening the account in question in XXXX of XXXX, I have paid a monthly bill to DISCOVER, online, using my personal debt card information. Fact, DISCOVER has been collecting money from me since the account in question was opened making me to believe it is a bill when in fact it is dividends. Fact, I, the affiant, have received several statements including the subject matter of an attempt to collect an alleged debt for account number XXXX. Fact, I, the affiant, have reason to believe and do so believe, as a federally protected consumer and debtor, owe no such alleged debt ( s ). Fact, I, have reason to believe and do so believe that, all past, present, and future billing statements received by XXXX are billing errors under 12 CFR 1026.13 ( a ), beginning with the date the account was opened in XXXX of XXXX. Fact, I have sent the tender of payment to DISCOVER pursuant to UCC 3-603. If the instrument and tender is refused, there is discharge in accordance with UCC 3-603 ( b ) Fact, I, the affiant, am asserting my right to acquire documentary evidence in accordance with 15 USC 44 for the books of accounts as defined in IRS Publication 583, to explain and address such subject matter contained in said billing statements. Id like to access both the journal and credits of accounts, as well as the ledger and debits of account, in order to verify the current accounting and taxes related with this account. Fact, in accordance with 15 USC 1666d, if there is a credit of account balance with surplus over 1 dollar in accordance with the journal and ledger entries described in IRS Publication 583, the amount balance should be credited and the remaining balance direct to I, the consumer by check. As this is a formal instruction in accordance with 15 USC 1666 ( b ) ( 2 ) to provide documentary evidence, which includes books of account in accordance with 15 USC 44 to resolve this billing error, the documentary evidence, which includes books of accounts in accordance with 15 USC 44, must be provided to clarify this amount. Fact, I, the affiant, am aware, with resolving this billing error, the creditor has legally agreed to forfeit all rights to collection all past, present, and future amounts in dispute pursuant to title 15 USC 1666 ( e ). PLEASE NOTE : Fact, I, the affiant, am aware, rules pending resolution state creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumers credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges pursuant 12 CFR 1026.13d ( 2 ). Fact, I, the affiant am aware, that, DISCOVER as the creditor may not collect any disputed amount. As a federally protected consumer, whom does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumers credit standing without resolving the billing error. Such actions by DISCOVER will forfeit its rights to collect the disputed amount as described in 15 USC 1666 ( e ) and hold the creditor liable under 15 USC 1693m to DISCOVER for actual damage cause to I, the affiant, as well as held to criminal liability pursuant to 15 USC 1693n for failure to present required documentary evidence as request to clarify and resolve the previously addressed billing error. Fact, I, the affiant am aware, DISCOVER, can not and shall not restrict nor limit nor cause any disruption of any manner of the account in question pursuant 12 1026.13d ( 3 ), a creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section Fact, I, the affiant am aware, that, in accordance with 16 CFR 433.3 DISCOVER is not exempt from any claims or defenses as described in 16 CFR 433.2 ( a ) as the affiant, may invoke, rights as the debtor in this consumer credit contract against DISCOVER for the unfair and deceptive practices herein as no contract after the date of XX/XX/XXXX is exempt from 16 CFR 433.3.
06/29/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Problem lowering your monthly payments
  • MO
  • 65802
Web
To Whom It May Concern, I would like to submit a complaint about Discover Credit Card services. They have repeatedly made it sound as if there were options other than what I was already working with when those options were not available. This issue started when I missed a payment earlier this month due to my hours having been reduced and not having the ability to make the payment before the due date. I had been planning on paying the overdue amount as soon as I was able to later in the month. Shortly after the missed payment, I started receiving calls from Discover a minimum of 3 times each day. When I listened to the voicemail, the message had stated that there were money saving options if I reached out to them to discuss it. I reached out through chat on XX/XX/XXXX and spoke with XXXX. During my conversation with XXXX I had explained my situation and she ignored my original request for information about the options mentioned in the voicemail. She repeatedly pressured me to set up a payment plan without actually answering my question. I had to ask more than once for an explanation of the options. Once she finally addressed the question I was told I was already on a plan and there were no options. The only option offered at this point was to pay the past due now and the rest by the next payment date. When asking about why there were no other options and was informed that once a program is accepted there are not any other options. At this point I was also told that my payments would go back to {$190.00} after the current amount was paid in full. This was higher than my prior payments and when I questioned it and asked if there was a supervisor to review the account, I was told that the payment fluctuates with the balance and she was an account manager and there was no one else to review the account. I then brought up Discovers late payment forgiveness program since I dont believe I had missed a payment prior to this and was told they would forgive the fee if I set up a payment with them now. This was after I had already explained that I could not make a payment at this time. Finally I planned to submit a complaint since they would not allow me to talk to a supervisor and I felt the voicemail that was left was misleading. Once I mentioned this to XXXX she finally transferred me to a supervisor. I then spoke with XXXX who offered to remove the interest fees and late fee for the previous month. This was only allowed if I were to set up a payment at this time. This would have assisted a small amount but would not have changed the amount the payment I was having trouble with would be. I asked about any types of options to make future payments more affordable and was told again that there were no other options. He also suggested splitting the payment due up over multiple months but I would incur late fees each month if the account was not brought fully up to date. At this point he also pointed out that I could pay extra on each payment to make the principal reduce faster. This felt like a foolish statement as I was already having trouble making the minimum payment. They continued to try to get a payment set up and I had looked away for a minute to check something to see what I could do when the chat was ended abruptly. My Second conversation with Discover was on XX/XX/XXXX when I tried to confirm that my account was eligible for the late payment forgiveness when I would be able to make the payment. I reached XXXX who transferred me to XXXX since my account was on a payment plan. XXXX then proceeded to tell me that in order to see if I qualified for a different payment plan they could drop my current plan and check. They also continued to pressure me to set up a payment when I had said I could not make one at the time. The same credit was offered and I was told it would not lower the minimum payment due. I agreed to trying to change programs and see if a better option was available. There were no other options and I was not able to be put back on my current plan. When I reached back out on XX/XX/XXXX after receiving another voicemail stating there were options, I was informed by XXXX that you are not able to be put on a new program within a year of having been on one. This means that the prior associate I spoke with falsely offered me a chance to change my program when that was not an option. If the prior associate XXXX had not offered this, I would not have ended my payment plan and would have done my best to get a payment in before the upcoming due date. This complaint is being submitted due to the deceptive practices used by Discover in trying to get me to contact them as well as the blatant lie about what options there might potentially be if I ended the program I was on at the time. Attached as supporting documentation is a copy of the transcript from all 3 chat conversations as well as images of the chat screens. Sincerely, XXXX XXXX
07/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CT
  • 06405
Web
Im having an impossible time trying to get a fraudulent charge off of my credit report. I have been disputing this directly with discover for 5 years now. They are aware this is a fraudulent charge. When I dispute with credit reporting agency, they check with discover and discover says yes this amount is correct. Discover has not been able to validate this charge with the company who fraudulently charged me originally.. discover has told me it was not verified, but yet still is holding me accountable. This original charge was from XXXX XXXX XXXX. Yes, I gave them my discover card number. They needed a charge card to put a XXXX $ hold on my card, but assured me nothing would be charged. The car they rented to me was a lemon. I had to call XXXX XXXX XXXX twice the first 2 days I had it, due to it not starting and me getting stuck. Long story short. I rented a car from XXXX XXXX XXXX XX/XX/2018. XXXX XXXX office in XXXX XXXX CT. The car was unreliable. It did not start twice. Record of XXXX XXXX XXXX 2 separate occasions, within first 24 hours I had possession of vehicle. Rented the car to go on a trip. Did not feel comfortable driving 4.5 hours away in this unreliable car. They had no other vehicles to exchange it with. Found alternative vehicle. Contacted XXXX to return car. The satellite office was closed and they had no key drop box ( red flag ). Was told by corporate manager to leave the key under drivers side floor mat, and someone would pick it up from my home address. I expressed how I was leaving on a trip, and would not be home. I came back a week later to surprisingly see the car still in my driveway, not picked up. I called corporate notified them. They asked if I could drop car off to a different location from where I originally picked it up from. Agreed, but would have to wait until my neighbor got home from work, to watch my infant son. Was not driving an unreliable car, to a sketchy neighborHOOD with my baby in car. Drove car to address management provided. The place was closed. On phone with management.. she asked if I could bring it to another place. Drove 35 mins. To a location that once again was closed. Called management.. told her I was going back home.. after XXXX XXXX at this point. I needed to get home to my baby. It was dark. I was nervous. She was annoyed because she expressed how they needed that vehicle at XXXX XXXX in XXXX. Over an hour from me. She said to leave keys in car in driveway. Someone would tow it out. Woke up in morning car was gone. XXXX employee towed it to airport. Honestly, I was thinking I would be compensated for all my troubles. I didnt hear anything until my next credit card statement. XXXX XXXX XXXX, charged my discover card $ XXXX Which put my card balance over limit. Apparently XXXX charged me whatever bogus number they threw out. The days car was in my possessionand charged me for their tow!! All the way to the airport!!! And charged me for the gas!!! I have been explaing this to discover since XXXX disputing still paying monthly minimum payments.. realizing it was all interest on this charge. My balance stayed the same. When they investigated they temporarily took charge off.. only to put it back on after XXXX confirmed that I gave them my card number. I guess that is all discover needs I found out last year.. 3 years after I have been disputing.. discover never verified the charges. I called XXXX myself, and they cant tell me what the charges are for, because my name is not even in their system!! I never recieved a reciept, I never agreed to pay this, because they had my card number they charged whatever they wanted. Apparently per discover if I give my card number its giving permission this was a HOLD only. Not supposed to have charged anything. XXXX is no help. Ive been laying XXXX per month for 2 years now.. trying to get this resolved. They investigated with discover, and discover verified the amount was correct.. that was it.. yes XXXX charged my car XXXX fraudulently. Yes they did. Thats all discover needs to know. Thats all XXXX needs to know, and XXXX can not verify, or even tell me an itemized bill charge. This is bogus. This one stupid card, has caused me havoc, in my life. A serious burden.. effected my livelihood couldn't get a car loan, only approved for pre paid credit cards, I have been trying to rebuild my credit for years now. I am so upset, especially now, I need to apply for a parent plus loan for my sons college he is going to school in 5 weeks. I will not get approved, my credit score is low.. and with all the fees discover has been charging me for 2 years, interest and late fees.. the balance is now XXXX discover kept my account open for years, before now it just went to a collection agency. So now I have a collection on my credit report.. I need this removed. I need someone to be accountable for this fraud. I need help immediately. It is wrong. And I am suffering!!!!
05/19/2020 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Didn't receive terms that were advertised
  • IL
  • 60607
Web
In XX/XX/XXXX I Opened a DISCOVER Savings account using their website. On their website it claimed that they have a {$150.00} or {$200.00} bonus if you open the account and deposit the respective minimums within a certain time frame. I met all the requirements and waited for my bonus to show up on my account. After not showing up on my account for a few months I called their customer support team on XX/XX/XXXX and asked why I never received the bonus. I was told it was because I did not input the " Promo Code '' for the offer which was pretty surprising to me because they advertised the bonus promotion on their OWN WEBSITE and on the same page that you click " Open An Account ''. After taking a look at their website I noticed in very small print on the bottom of the page they explain you need to put in a promo code on the following page to receive the bonus. I explained to her that this was very deceptive and was clearly built to trick people into thinking they were going to get a bonus but never receive it on a technicality. Why should the customer have to enter anything extra when the promotion is advertised on the their own page that leads to the sign up page? This was all on discover.com and not a third party website. I was transferred to a supervisor by the name of XXXX and I explained to her the situation. She said that she could put in a claim with the " Marketing Team '' and that since I met the requirements I should be able to get the bonus. She also agreed with me that it was very confusing the way it was setup and she could see how people would make that mistake. XXXX said in order to officially put in a claim I would need to provide her with the Promo Code and she would not be able to file a claim without a promo code. I laughed and explained to her that there is no way I would be able to retrieve a promo code that existed 3-4 months ago on their website. She kept saying that she could not file a claim without me providing her a promo code. After asking why multiple times- she said thats just the way it is on their system. This was very confusing and led me to believe this is also part of the deceptive behavior that Discover engages in. I told her I could look up a promo code online but it would not be the promo code that existed when I signed up since I obviously dont have access to that promo code anymore. She said it was fine and it should not impact the review process. I asked her multiple times to confirm that and she did. After receiving the mailed response weeks later it basically said they would not be able to honor the claim because the promo code I gave them did not match the dates. So I was rejected for the same reason XXXX said I would not be rejected for. Even though I met and surpassed the minimum requirements within the timeframe- they rejected it on another technicality that had nothing to do with the original bonus and offer. I put this on the back burner for a long time since I was busy with work. I called again the week of XX/XX/XXXX and was told the department I needed to reach was closed and they would get back to me. They left me a voicemail a couple days later and I called them back on XX/XX/XXXX. I spoke to another supervisor by the name of XXXX. I explained to him the situation and he gave me multiple reasons why they would not honor. When I explained the logic behind the reasoning was flawed, he had another angle to offer up. Which was also flawed. This went on for awhile until he finally said there was nothing he could do and it was all in the " Marketing Departments '' hands. I asked to speak to the marketing department and he put me on hold. After several minutes he returned and told me there was no way for me to contact the marketing department over the phone or email and he could provide me with a mailing address to send a mailed letter to. I told him in XXXX its ridiculous that I cant talk to someone on the phone or email them and I felt like I was getting the run around. As of XX/XX/XXXX, XXXX they still have the promotion on their website and it is still set up in this manner. To Summarize : - Discover Bank has set up a deceptive Bonus Offer on their own webpage that leads customers to believe they will receive a Bonus if they meet two guidelines which are to deposit a minimum amount of money within a certain timeframe of opening up the account. - Customers later find out they did not receive the bonus due to not entering a code they were suppose to enter which is not very clear on their website and is designed on purpose to mislead. - Their customer support team is trained to give you multiple reasons why they cant honor it and set you up in a matter as to reject your claim via mail and hope you give up. - Discover Bank uses a deceptive bonus offer and manipulative customer support to trick people into signing up for Savings Accounts and never deliver on their Bonus Reward.
04/03/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • IL
  • 60653
Web
This is a request as authorized by the FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] This request is regarding the account listed below : XXXX XXXX This account has previously been reported on my credit file and was subsequently deleted after the item was disputed and could not be verified. On XXXX XXXX. I requested a copy of my credit report under my rights through the FACTA act. This item was not contained in my credit file on that date. On XXXX XXXX, after being denied credit for a home student based upon negative information being reported through XXXX and XXXX. I requested a second copy of my credit report under my rights to review my credit report after denial of credit. The account in question suddenly reappeared on the report dated XX/XX/2020. I immediately completed an online dispute for this account. In response to this dispute you sent me a letter dated XX/XX/2020 ( with confirmation number XXXX ). In this letter it stated that my investigation was completed and that you verified that this item belongs to me. I have two problems with the way reporting on this account has been handled by XXXX. First, according to my XX/XX/XXXX credit report, this item was reported in XXXX. Even giving you a very generous assumption that this item was reported to you on XXXX XXXX. I find it very difficult to believe that " additional information regarding this item '' sufficient enough to prove this is my account could have been provided to you by XX/XX/XXXX, only one day after the account was re-reported to you. Furthermore, I find it very odd that you're letter " verifying this account '' predates my dispute of this account. Additionally, you are in violation of FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] for your failure to notify me in a timely manner of this tradeline being reinserted into my credit file. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions as follows : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( : blink : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data. Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( ( iii ) by not later than 15 days after receiving a request from the consumer for that description. In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days.
09/23/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • DE
  • 19803
Web
In approximately XX/XX/XXXX, I received a bill with a late fee attached from Discover card - whom I have been a longstanding, good faith customer. Perplexed - because I have had electronic payments in place for years - I called them to inquire. They explained that every so many years customers electronic payments become void. I advised that I was not notified of this, they apologized, saying they 'd remove the late fee and we just needed to go through the process of reinstituting electronic payments again. I supplied my routing number and was told all was good to go. They again apologized stating I was a good customer that they did not want to lose. The following month I again received a late fee on my bill. This time I was much more perplexed and frankly, annoyed. I called again XX/XX/XXXX and asked immediately for a supervisor. I finally was connected with one who once again apologized profusely and said they must have entered my routing number incorrectly ... and I would have to go through the whole process of supplying that all over again. I reluctantly agreed - thinking I should just cancel the card - but was assured they would finally make it right this time. They again said they would absolutely remove the late fee due to their error. Nothing else happened ... until earlier this week when - in the middle of a real estate transaction - I received a call from my mortgage company saying they had bad new : Discover credit card reported a late payment to the credit bureaus from XX/XX/XXXX, which plummeted my score almost 50 points! I was disturbed to say the least. I contacted their executive office that day and spoke with XXXX. I explained the situation and asked that they expedite rectifying this situation - for the third time now - by supplying me with a letter that they would move to remove that incorrect report from my credit report. He said the normal time it would take to look into it was 2 days but he would try to expedite the request and would return my call that day. The next day - after no return phone call - I called again. I supplied XXXX with further documentation from my phone calls in XX/XX/XXXX and XX/XX/XXXX - including whom I spoke with what they said. He concurred that everything I said matched what he saw documented, said he would check on where the decision was, and again said he would call me back - either way - that day. After receiving no return call, I called again the next day and left a message on their voicemail. No return call. I called again the next morning and asked to please be transferred to someone else to handle this matter. I was told by XXXX that they are not allowed to transfer any matter once it starts with a certain person there but that XXXX would call me back when he got in that morning. Later that afternoon - after no return phone call - I called again. They eventually transferred me to XXXX who reluctantly explained that after " they '' reviewed the tape from my call in XX/XX/XXXX ( because " XX/XX/XXXX was too old '' and they destroy tapes after a certain time ) " they '' are calling this matter " undetermined '' because they could n't quite decide if they recorded my routing number in error or that maybe I stating my routing number incorrectly. I asked who " they '' were and he said " management ''. I told him that they could not possibly have listened to that tape and concluded that it was not their error, because they would have heard how upset I was that I was again taking time to deal with their mistake and the manager from discover apologizing profusely and admitting that they made the error. He then added that he also listened to the tape. So I confirmed with him exactly what he should have heard and he agreed but left room for " the fact '' it was n't completely clear who made the error. I told XXXX that since we had been getting to know each other all week - I could tell that he did n't even believe what he was telling me! I told him all week he had been telling me what he ca n't do to help and I wanted to know what he could do to help..? He said he had asked them again to make " an exception ''. ( Not sure what that means, but given the circumstances, I assume he means an exception to them ever admitting - at least in writing - that they make a mistake! ) I told him since my hands are tied, and now after they have made 3 mistakes - the last of which could cost me a real estate transaction - which they will not rectify - I will be contacting an attorney and/or media for a remedy, as clearly I was getting no where myself. After speaking with a good friend who works for a large bank, I am contacting CFPB, as he said you are the ones who will get this done. I would greatly appreciate any and all assistance you can provide to help protect this consumer, and other consumers, from these erroneous and frivolous acts of big businesses like Discover credit card.
05/09/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33436
Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XX/XX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform that if offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by theses companies, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when it fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
09/08/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MD
  • 20853
Web
Unable to Dispute Online We're sorry, this dispute can not be processed online. Please call XXXX ( XXXX XXXX ) to submit this dispute. Discover Hi, my name is XXXX from the XXXX XXXX I would be happy to assist you, hang tight while I get your account pulled up. Hi XXXX! 35 minutes ago Agent profile picture Discover you are inquiring about a dispute correct and not able to process it online? Yup yup 33 minutes ago Agent profile picture Discover I definitely understand and what is the dispute amount and date? XX/XX/XXXX {$4.00} 32 minutes ago Agent profile picture Discover Okay, I located this XXXXXXXX XXXX XXXX XXXX XXXX XXXX for {$4.00}. Can you provide more details on why you are disputing this transaction? Yes, I ordered a medium rare burger with well done fries but the burger instead of the fries was well done I complained to XXXX XXXX on XX/XX/XXXX but never heard back 28 minutes ago Agent profile picture Discover I definitely understand and have you followed back up since XX/XX/XXXX? I ask because merchants can always provide a quicker turn around with refunds, it can take us 30 days or longer before this resolved. They only have an online form XXXX XXXX XXXX No phone no. or email address I don't think I've ever heard back from XXXX XXXX XXXX minutes ago Agent profile picture Discover Definitely understand, give me one moment, please hang tight. Thanks! 20 minutes ago Agent profile picture Discover We are welcome! I'm really sorry to hear about the situation with your food order, that sounds really disappointing! To help guide you, for this type of situation we do encourage you to continue reaching out directly to the restaurant. We are unable to dispute this since the merchant provided the food item. Although, I understand you feel the food was not up to par. We hope as you continue to work with them that they can make you the proper food order, up to your satisfaction. Or find a more whole solution. Do you have any questions? Yes, I didn't receive medium rare or well done fries though Today Besides, the burger was {$14.00} plus tax but the dispute amount is only {$4.00} I didn't receive the food products I ordered. Also, the order was to go so I couldn't complain to them in real time And I've already waited almost 8 months for them to get back to me 12 minutes ago Agent profile picture Discover We apologize, you was unhappy with the order you received was not what you wanted from back XX/XX/XXXX for medium rare burger with well done fries but the burger instead of the fries was well done. We recommend you visit the merchant store and request for a refund for {$4.00}. If they agree to a refund please contact us back to review more options This is the merchant contact number. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Could I speak to someone else? Discover card is my last resort and I'm entitled to the right to dispute this charge I'm getting upset 10 minutes ago Agent profile picture Discover We understand wanting to speak to someone else and know this situation has been frustrating for you. I apologize I am unable to transfer you to another representative. I will be happy to assist you moving forward, recommend you contact the merchant and request for a refund in person, since you filed a complained to XXXX XXXX on XX/XX/XXXX but never heard back You're not helpful at all 8 minutes ago Agent profile picture Discover We thank you for your time today, and would need details of the merchant agreeing to a refund to move forward with a dispute case for {$4.00}. Thank you for your feedback, I've noted your concerns. We appreciate you sharing because it helps us to continually improve our customer 's experience. I have the right to dispute charges on my Discover card and you're not letting me exercise my right If the merchant had responded to me, I wouldn't be chatting with you I would like to file a complaint against you 8 minutes ago Agent profile picture Discover Yes, I will write up a feedback for a complaint for me. The charge was a food purchase that you received and was unhappy do to the fact that it was well done burger instead of the fries was well done. When you wanted medium rare burger with well done fries. We are unable to dispute this since the merchant provided the food item. But the merchant didn't cook to my specifications Please transfer me to a supervisor 2 minutes ago Agent profile picture 2 minutes ago Discover We apologize to hear this again, recommend you contact the merchant XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, beside using the online link to the merchant. Thank you for your time today, and I would like you to enjoy the rest of your evening! I have forwarded your request to a supervisor. While there is not a supervisor available at this time, they will reply to you in this message thread to assist you further within 2 business days. XXXX is not even a local area code
04/08/2019 Yes
  • Credit card or prepaid card
  • Government benefit card
  • Unexpected or other fees
  • VA
  • 22153
Web Older American
I am writing this petition regarding credit card billing procedures and resultant ramifications, as an attempt to call attention to the credit card industry 's practices, and how over time they have become accepted and regarded as fair, responsible, and transparent when, in fact they have become extremely difficult to understand, hidden in fine print, and virtually impossible to calculate by the average consumer. This lack of transparency, deliberate or otherwise, can be entrapping, and expensive ( some may argue usurious depending on which method of calculation, or which definition of usury might be used ). My motive is not to call attention to Discover Card in particular, but to an entire industry whose practices have evolved to be unfair and obscure to the average consumer in my opinion ( I have another credit card which employs similar practices and calculations ). It is a sincere plea for transparency. I recently experienced the following events that occurred over the end of this past year as I received and paid my statement balances regarding my Discover More Card. I believe there is cause to be concerned about the excessive interest charges that accrued and compounded as a result of a minor error on my part. The excessive interest charge resulted from the calculation method used which is referred to in the fine print of the credit card agreement and the fine print on my statement. However, it is my opinion that the excessive amount was greatly exacerbated by less than full transparency as shown on the Discover statement format and labeling, and, in my opinion, is likely to be adversely affecting many other unknowing credit card users. I have included copies of my pertinent statements and letters of correspondence with Discover Card. In my case, I normally pay off my full credit card balance as shown on my statement as the " New Balance '' every month ; however, I mistakenly underpaid the New Balance on the XX/XX/XXXX, statement by XXXX cents ( {$.00} - one thin XXXX ). Consequently, my account was in arrears causing my XX/XX/XXXX, statement to be charged {$14.00} in interest. This interest was computed on a daily basis on the amount of my XXXX charges and was included in the XXXX New Balance which I paid entirely as I normally do in a timely manner, but I failed to notice the {$14.00} interest charge which had accrued. Even though the XX/XX/XXXX, " New Balance '' had been paid entirely and in a timely manner, I was charged another {$22.00} in interest on my XX/XX/XXXX, statement which, was computed on a daily basis on the amount of my XXXX charges plus interest from the closing date of my XXXX statement ( XX/XX/XXXX ) until the payment of the balance on my XX/XX/XXXX statement was received. ( See Discover letter dated XX/XX/XXXX. ) As I understand it, the reason Discover could charge the interest on the XXXX statement, even though the New Balance on the XXXX statement was timely paid, was because interest on the XXXX New Balance continued to accumulate from the time the XXXX statement was mailed. And, therefore, even though my XXXX New Balance was timely paid there still was a balance due on my XXXX bill. In any event, when I received my XX/XX/XXXX statement I noticed the interest charges on my statements and contacted Discover concerning them. They agreed that {$37.00} ( {$14.00} plus {$22.00} ) in interest on a XXXX cent underpayment was excessive and removed both interest charges. After further inquiry with a supervisor with Discover, I was assured that further interest charges would have been stopped after the second month of paying in a timely manner the " New Balance '' amount shown on my monthly statement. A representative of XXXX XXXX XXXX later told me that this two-month protection is a federal regulation. Otherwise, as I understand it, these interest charges would continue ad infinitum even though I would continue to pay in good faith the " New Balance '' amount on each subsequent statement. In my opinion, not only does this billing procedure result in a disproportionate financial impact on the cardholder ( in my case {$37.00} in interest in two months because of a XXXX cent underpayment ), but also, in a worst-case scenario, it could possibly adversely affect a cardholders credit rating. To me it is obvious that this billing procedure is less than transparent and should be changed. Perhaps, by a caveat on the face of the statement ; perhaps by a text message and/or email notification that interest calculations have been initiated and/or continue on the account ; perhaps by posting the card 's daily interest calculations on a website viewable by the credit card holder or perhaps in some other way. Thank you for taking my concerns under consideration, and I look forward to hearing from you. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, VA XXXX Cell Phone and Text : XXXX XXXX XXXX
07/16/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • NV
  • 890XX
Web
On XX/XX/XXXX i was solicited to apply for a credit card and i filled out the application promissory note and was approved for a line of credit {$1000.00} credit card. On XX/XX/XXXX i received an email stating i need to fill for SSA-89 and also send a copy of my social security card or my account will be closed within 14 days. For XXXX XXXX XXXX XXXX to run verification on my identity. I responded and stated i did not consent to giving my details to any third party especially XXXX as they are in the business of selling information and also had a security breach in XXXX according to their sec filings XXXX form, where XXXX XXXX peoples information and identities was breached and identities stolen. Also I have no disclosures of what they will do with my information or a copy of my social security card. 14 days has passed an my account has not been closed as discover said it would if i did not fill out the requested forms. I refused to consent to filling SSA-89 or sending a copy of my social security card. The SS8-89 is a voluntary form. Pursuant to 4 CFR83.9 ( b ) individuals asked to voluntarily provide their SSN shall suffer no penalty or denial of benefits for refusing to provide it. If Discover knows of any such law that states otherwise they must provide it. I reviewed DISCOVER CARD XXXX document filed with the Securities and Exchange Commission and could not find anywhere where it stated that they ask customers to fill out the requested documents or request them to provide copies to be handed to third parties. On page 32 on Discover financial XXXX form Commission File Number XXXX DISCOVER FINANCIAL SERVICES it stated the following : If we are unable to securitize our receivables, it may have a material adverse effect on our liquidity, cost of funds and overall financial condition. We use the securitization of credit card receivables, which involves the transfer of receivables to a trust and the issuance by the trust of beneficial interests to third-party investors, as a significant source of funding as well as for contingent liquidity. Our average level of credit card securitized borrowings from third parties was {$15.00} XXXX and {$15.00} XXXX for the years ended XX/XX/XXXX and XXXX, respectively. Although the securitization market for credit cards has been re-established since the financial crisis, there can be no assurance that there will not be future disruptions in the market. Our ability to raise funding through the securitization market also depends, in part, on the credit ratings of the securities we issue from our securitization trusts. If we are not able to satisfy rating agency requirements to maintain the ratings of asset-backed securities issued by our trusts, it could limit our ability to access the securitization markets. Additional factors affecting the extent to which we may securitize our credit card receivables in the future include the overall credit quality of our receivables, the costs of securitizing our receivables, the demand for credit card asset-backed securities, and the legal, regulatory, accounting and tax requirements governing securitization transactions and asset-backed securities, generally. For example, in XX/XX/XXXX, the XXXX XXXX on Banking Supervision published a revised securitization framework for banks calculation of credit risk capital requirements for exposures to securitization transactions. These changes, which, according to the XXXX publication, must be implemented by the beginning of XXXX, could negatively impact the pricing and/or volume of our asset-backed securities issuances. A prolonged inability to securitize our credit card receivables, or an increase in the costs of such issuances, may have a material adverse effect on our liquidity, cost of funds and overall financial condition. https : //www.sec.govXXXX I looked through the Discover card agreement and terms and conditions and looked to find the disclosures of what was stated in their sec filings. I was unable to find it and i wrote discover a letter asking for the section where they gave me full disclosure of what happens with my credit card application and its involvement with XXXX parties and securitization. Discover failed to respond i have included a copy of the letter i sent. Discover is committing securities fraud by not informing its card members its credit card securitization practices making money off our backs without giving full disclosure of the facts and lying to their investors. I have told Discover if they did not respond within the time frame i would file a complaint with CFPB FTC and will be a whistleblower to the Securities and Exchange Commission and have them investigate this deception against us unsuspecting consumers who extend our credit in good faith to Discover card who commits unfair and deceptive practices willfully relying on our ignorance.
09/21/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • 32751
Web
Horrible customer service in person and have provided my receipts to Discover who declined to help me as though with XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX. XXXX suggested I contact the Attorney General after paying my bills promptly for 9 or 10 years. These three merchants were abusive, negligent and unethical. XXXX 's XXXX aka XXXXXXXX XXXX XXXX XXXX XXXX date of service was XX/XX/XXXXXXXX and the young person/a child really, saw a damsel in distress and used a jumper back and could've started my car. All I needed was a new terminal for my battery which I was overcharged for with another merchant ( XXXX who I recommend looking into ). and this tall boy XXXX? drove me to the wrong garage as he didn't know what he was doing and I foolishly trusted him to help since this was my first time with this merchant. My car is still not reliable so I had to purchase XXXX XXXX XXXX since my auto insurance XXXX is difficult to call ; especially since the Hurricane Idalia scare. I have difficulty with long phone calls as my temper is short from trauma which I am working on. Ive explained this to some Discover employees and its obvious in my documents regarding other disputes. I have paid my bills for 9 or 10 years and for me to receive a document from Discover without warning that any verbal communication and I couldnt use the number I have on file when I put in the last four digits of my social security number. I was given the warning that I basically couldnt speak with anyone. I tried different options since I wasnt given any warning. I arrived home that night and saw a letter from XX/XX/XXXXXXXX alluding to the fact that I would want to write them anything. I plan on closing my account with Discover. Ive tried to call corporate the office on the letter on XX/XX/XXXXXXXX which I researched and was denied access and told that such a department didnt exist and transferred to Personal Loans ( XXXX ) and XXXX XXXX XXXX XXXX Arizona from the credit card department told me I was only able to be sent to the Security Team . The next merchant, XXXX XXXXXXXX XXXX XXXX told me they were come over for a free estimate and then handed me a bill after 3 minutes of putting colorful instruments on the AC unit outside and expected me to understand what he was talking yet I didn't go to school for HVAC. He was touting how honest he was compared to another service technician I had shared with him from a few months ago and when he expected payment he told me " well I could've charged you {$80.00} and smirked/laughed. I've since contacted him and his wife/business partner most recently on XX/XX/XXXX when I was calmer and ( after a few attempts with Discover employees at ) at XXXX, XXXX, XXXX, 3 times on XX/XX/XXXX in the evening the final time at XXXX and it went to voicemail immediately so not sure if they blocked me. I also tried to handle this situation on XX/XX/XXXX at XXXX. I even used another number and after an abrupt phone of the wife, XXXX? She didnt offer any help to even reduce the bill, she simply repeated what he said who never got back to me the previous evening ( when I requested a call back by XXXX when we spoke at XXXX on the XXXX ) on the day of a counseling appointment which I can prove to you. I ended the call with the wife as it was going nowhere yet they tout being honest and then theres none. A misleading website and he sent multiple text messages to confirm the time which was unnecessary and not on time which shouldve been a red flag. The final merchant XXXX XXXX XXXX in XXXX XXXX, Florida was unethical and not sure how many unsuspecting people they deal with as I had to clarify even the brand of starter that might be installed. Ive reported them yesterday through a Florida Department of Agriculture and Consumer Services? They were going to install a horrible product in my car and decided to only diagnostic other things if I gave them more business not to mention what I asked them to was install a ballast lightbulb which I put in the vehicle myself and XXXX at XXXX XXXX had the audacity to tell me that having the part in the car didnt save him money or time. I almost laughed at that arrogance. I dont know what they did since someone left my wand on and random boxes on the passenger seat and I was ignored when I walked in. I just wanted to be done with them that day. I need help with this insanity ; all three transactions. Not to mention that I have a XXXX case which will substantiate this. Ive tried to call XXXX and XXXX yet go nowhere. Im not sure if that would even be helpful and I pray that this works. This is tiring to write after trying to handle these merchants myself and I got their suggestions from XXXX reviews and a female friend. I cant handle significant phone calls and very concerned about dealing a new merchant for a while and now I need a new credit card. Thanks, XXXX
01/15/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 90022
Web
XXXX XXXX Disccover card Account number XXXX XXXX XXXX XXXX On XX/XX/XXXX ( my payment due day ) I made my payment XX/XX/XXXX I received an email informing me my monthly statement was ready, I checked the statement and noticed that the minimum payment for XXXX, was {$100.00} dllrs, much higher than the usual minimum payment. The following day, XXXX day, I called Discover 's customer service to inquire about the reason the minimum payment went up so much. The Representative I spoke with told me it was due to a late fee, I told him I had made the payment on XX/XX/XXXX, the due date. I made the payment on XX/XX/XXXX, not on the XXXX, as stated on the account information, I was on time. The representative expressed he understood, apologized, told me the late fee will be reversed. XX/XX/XXXX, I received an email informing me that the late fee had been reversed. XX/XX/XXXX, I received the monthly email reminding me of the XX/XX/XXXX, payment due day. I noticed the minimum due was still {$100.00} dllrs, the late fee still included, it had not been reversed. XX/XX/XXXX, around XXXX XXXX. I called Dicover 's customer service to inquire why the minimum payment was still {$100.00}, why the late fee had not been reversed. The woman that answered my called did not clarify anything or solved the issue, the most she did was to asked me if I wanted to pay {$68.00} dllrs since $ XXXX is {$68.00}, {$37.00} been the late fee. I was going to pay my bill that day, XX/XX/XXXX, I just needed the late fee reversed first, I don't owe it, is not my mistake, I am not going to pay an amount I don't owe. The representative was of no help, she kept putting me on hold pretending to be trying to get a hold of her supervisor, she will put me on hold for several minutes, just to come back to tell me she could not find her supervisor, I asked her name she said her name is XXXX, I asked her the supervisor 's name she said the supervisor 's name is XXXX. At the end of the call, all I got was the aggravation of been put on hold several times and dealing with a representative that was ither new and really didn't know what to do, was pretending she didn't know or she is just inept. I wasted close to XXXX minutes, on this call for nothing, also the first call was useless. The possibility of me calling again the customer center is XXXX. A few hours later the same day XX/XX/XXXX ( a day before the due date ) at XXXX PET I deducted XXXXdllrs of the {$100.00} and made my payment of {$68.00} dllrs XX/XX/XXXX, I received a miss payment email, since then I been receiving emails and calls constantly, harassing me, insisting I haven't made the XXXX payment, ( not accurate, as I already explained ) the due day is the XXXX, I made the payment for XXXX on the XXXX, regardless they added another {$37.00} late fee to my account. followed by emails stating I haven't paid the late fee that is passed due and to pay it. Then the minimum payment for XX/XX/XXXX was raised to {$140.00} Telling me not to miss a second payment, ( I didn't miss a first payment ) Threatening me to report me to the Credit Bureaus, if I don't pay the {$140.00} dllrs they are charging me as the minimum payment due on XX/XX/XXXX Shame on Discover for the Unfair Fees, deceptive Practices and harassment. Discover does not send me a confirmation via email or text when I make my payment, all the other credit cards that I make payments to do, immediately after I make a payment. I also didn't get the email they usually send when you call customer service, asking to take a survey, after the last call I made to customer service, they know how bad and poorly they did. I been a customer for several years, I always made my payment. Correct your errors back to XX/XX/XXXX, when all this started, REALLY reversed the 2 late fees charged to my account, don't roll them over or disguise them with other charges as was done with the {$68.00} payment I made XX/XX/XXXX, when {$55.00} was applied as interest and {$37.00} for the late fee, and the charge for the late fee continues until now, regardless, I keep getting emails telling me I didn't make my XXXX payment. In this case the late fee was taken out of the {$68.00} payment I made XX/XX/XXXX. I'm asking you to correct, remove, reverse the 2 late fees the one for XXXX and the one for XXXX. When you actually do this my minimum monthly fee should reflect that, and the amount should be similar to the amounts I paid before this issue started. I'm asking you to make the correction immediately. Today XX/XX/XXXX, I made my payment of {$75.00} the charges for the late fees that were included on the minimum payment I can not make, I don't owe those amounts. If the errors are not corrected immediately, I will take any action permitted under the law. I expect your immediate response.
11/17/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NJ
  • 070XX
Web Older American
I recently applied for and received a Discover card. I used it once for a purchase - without incident. On Wednesday evening ( XX/XX/XXXX ), I went online to make two purchases. One with XXXX and the other with XXXX I completed the first purchase with XXXX - without incident. I started the second purchase with XXXX. Whilst I was busy with the second purchase, my phone rang and an automated system asked me to verify whether or not it was I who made the first purchase. I completed the automated system advising that it was myself who made the first purchase and continued with the second purchase. The second purchase was declined. I thought I might have entered the card number erroneously and reentered it. Again - declined. I called Discover Card and got a live representative - explained the situation and was told ( for the first time ) that the FIRST purchase had been declined. Neither Discover nor the merchant had advised me electronically which immediately erased my positive thoughts about receiving an automated phone call to verify whether or not it was I who was making the purchases. I asked the representative to approve the first purchase since ( by now ) I had completed the automated phone verification, responded to their text message regarding the same issue and now, I was confirming ( live ) that it was my purchase. No, she said. I would have to start the purchase from scratch for they were NOT able to approve the charge. I was annoyed as you can well imagine. I asked her to remain on the line whilst I completed the second purchase to be sure that it was approved. She did - and it was approved. Then I asked for a supervisor ( hoping to have the first purchase approved ). Well - the supervisor was not about to listen to my tale of woe. I was told that I had to make the purchase again from scratch. Clearly I had no choice - I was going to HAVE TO start again. I told the supervisor ( who was unable to assist me with anything ) that I was of good mind to close my account. Suddenly he was able to help me. He asked if I would like him to close to the account immediately. I found that to be very unprofessional indeed. All the while this is going on, a friend ( who is a representative of XXXX ) was hearing what was going on and mentioned that is a XXXX representative was arrogant enough to ask a client if he/she could assist in closing the account immediately, that person would be brought to task. I told the supervisor that I would close the account when it suited me. He said he was only trying to help. I find that inappropriate. You would think that this is the end of my beef with Discover. But Wait! I took care of the first purchase again from scratch and it was approved this time. On Thursday, I now have two messages from the vendor. Guess What! BOTH purchases are now approved and en route to me. So - I have spent double my initial budget. I am going to receive the order twice. When I do, it will be up to me to dispute one of the charges with Discover. Then I am going to have to wait for them to clarify the refund with the vendor which they will not get approved until I, at MY expense, return the items that have been duplicated. So tell me - why am I in any way shape or form responsible for all of this nonsense? Who is at fault in this case? Me - the customer / The Vendor / Discover? I did not create this drama and yet, I am the one that has to unravel the drama. On Friday night XX/XX/XXXX, I communicated with Discover one more and was advised that I could Not dispute the charge and that I should contact XXXX. I did on the telephone number provided. The problem is that the voice mail box is full and one can not get through. I tried to dispute the charge online only to learn that 'since I did not cancel the order 8-hours after placing it - I could not get a refund '. Why would I have cancelled the order 8-hours after placing it? I was advised on more than one occasion that the charge had been declined and I would have to replace the order. So as I write to you, I have 2 orders winging their way to me from XXXX ( I believe ) and it is up to me to unravel the situation. I did call Discover again and found someone who would listen to me and take action - I believe that the charge will be disputed although even as I write to you this Sunday morning, BOTH charges still reflect on my account. Be that as it may, even IF the charge is disputed in my favor, it appears that I am still going to receive the goods twice and when I do, who is responsible for returning those not wanted ( for it is a 100 % double order ) and WHO pays the shipping cost? Not Me! I did not order them twice. and after following explicit instructions from Discover, I refuse to waste my time going to the post office and more so, for paying for shipping items I did not order.
05/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • NY
  • 11235
Web
To : Consumer Finance.gov/XXXX Dear Sir/ Madam. I would like to place complaint on Discover Credit Card Holders. I had Discover Credit Card since XXXX. For all those years I did not had any problems to pay my bills in tame and I used Credit Card wisely. In XX/XX/XXXX Discover start calling me during my working time and demanding call them back immediately. I an XXXX and during regular business hrs always busy with XXXX and do not want someone was listening my conversation with Credit Card Customer Service. I call them on Saturday in end of XXXX after I trayed make payments on my balance. I found that my on-line access was blocked. I contact with customer service to asking why I can not access my account and representative was unable to answer on my question. He and start tell me some story about Social Security Office requested to check my identity. I was laughing on this news and I asked to connect me with Manager. I was communicating with not sure whom and this person told me that Discover send me letter with questionaries and I MUST to fill up it and add a couple copies of bills and IMMEDIATELLY send it back. I agree and after I received letter in beginning of XXXX I did what they ask me and mail letter back. I was waiting for one week and no answers and my account still not open. I call back to Discover, because I wanted make payment on my account and due date was XX/XX/XXXX. Representative again gave me some nonsense about checking my identity. I asked WHY NOW? I am with Credit Card for 9 years without any problems. What happens why they behave this way and make me so uncomfortable??? I did not receive answer. Again, some manager explains that on my SS number was opened account with different name and address and they need investigate this and send report to Credit Monitoring Companies. Here I begin to worried about this news. I did not saw my account transactions since XXXX and I did not knew balance and could not see all transactions. I ask about balance and decoded pay off my card right away. Manager accept XXXX payment through phone. I ask send me hard copy my card balance and he promised do so. I was waiting for 2 weeks, no statement, account still block, so I was so upset and call Discover again. No one was able to tell me what going on and why I did not receive statement and they informed me that my balance now XXXX , I was o upset and asked open my access I want to see transactions on my account and make payment, I decided pay off all what I owe this company and close account. I told about this to some Manager not sure who and pay off through phone again and REQUEST to CLOSE MY ACCOUNT. I explain that I dont want have deal with this Credit Card company who keep assaulting me for no reason without explanation without respect. I cut off card and requested did not bother me again. I to weeks I received E-mail from Discover. They informed me that THEY were unable to verify my personal information and Immediately closed my account. They informed that my Credit Score Will be affected this and recommended contact Credit Bureau directly. I still did not received hard copy of my statement and I did not saw my transactions for 2 months. Please help me understood and resolve this issue. I still did not know why they behaving this way. I have other credits card, Mortgage, Student Loan, Car loan and no one contact with me regarding those accounts or problems with my identity. What it was about? Why Discover insulting me and now trying spoil my Credit History? I need to understood this and I need to see my statements and transactions for XXXX and XXXX. I am Providing Discover Card E-mai. With all my regards XX/XX/XXXX Important Info Regarding your Account Dear We are writing to notify you that we have closed your Discover card account effective immediately. We regularly conduct reviews to evaluate our customers ' accounts, and during a review, we were unable to verify personal information on your account. We evaluated your account and under the terms of your Card member Agreement, a business decision was made to close your account. Our credit decision was based in whole on the information found on your account. Any Cashback Bonus or Miles rewards balance will be applied as a credit to your account, or, if the account has a XXXX balance at the time of closure, a check will be issued. If your account has a credit balance, you may request a refund check, or one will be sent automatically after four months of the credit balance being on your account. We will report to the credit bureaus that the account was Closed by Grantor. Questions on how this may impact your credit score can be addressed by contacting the credit bureaus directly. If you have any questions, you may write to us at : Discover Financial Services XXXX XXXX XXXX XXXX, DE XXXX Sincerely, Discover Corporate Security
12/16/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Funds not received from closed account
  • GA
  • 30214
Web
I have previously submitted a complaint in regards to this matter. But I did not have my research done at that time it took a little bit longer for me to realize that the response from the company was completely false. All of it. I have paper form and an online form ( same agreement ) and have taken screenshots of the deposit agreement and what it actually states. The response from discover was that the reason they are not going to do anything to help me and basically that they are keeping my money in simple words and that there is nothing they are going to do about it. Thats where theyre wrong. They tell everybody that in 11b of the deposit agreement states that they reserve the right to hold funds or freeze them. Well 11b TRUTHFULLY states something to do with cd accounts and nothing to do with funds or closure of an account. Also discovers deposit agreement states that if an account is closed by them then the funds will be dispersed to the account holder ( me ). Also for verification purposes I have dialed the discover agreement number and spoke with XXXX from XXXX XXXX XXXX and after a brief hold he confirmed that discover dispurses the funds when accounts are closed. They are refusing to work with me. And its my money and I want it now! This is quite the experience with a professional business I have never been treated like i amount to nothing like they are treating me. All I want is my money every time I call its another story. I had my money in the account with discover and they just took that away from me and send me daily balance alerts everyday. XXXX bank has nothing to do with this I had a check from them waited 5 business days and it cleared and only let me access XXXX of my money out of XXXX dollars from MY tax refund from last year. Also, 2 people from discover said that I would be mailed a check in XXXX when I talked to them in XXXX now that was a lie too. With all due respect, that statement is false. And for me to be % 100 right in my doings in regards to the use of the deposit account, and not violating the agreement, I can say my patience level has been pretty fair, in my opinion. You guys being a professional company with Im sure 100000 customers, you would think that you guys would have learned by now, that you cant do things being an employee at a financial institution, that would put you above the law itself. The law states that # 1 no matter the reason, a bank must return any positive amount of money in someones account as soon as closure takes place. Thats the law. Then you have terms and agreements that a consumer signs prior to opening an account at any financial institution. You are an executive office member at a very high end financial institution and you are seriously lying to me, the consumer finance, and your self about what is written in The deposit agreement. You stated that 11d of the deposit agreement, it states that discover reserves the right to suspend, or freeze the funds in your account or any other accounts you maintain with us. For one, I dont or did not maintain any accounts with you guys period. My account was active for a little less than a month. Also, I have included a screen shot of the deposit agreement for supporting the allegations of proposing false information. The deposit agreement states in 11d : early withdrawal penalty as outlined in section 36, will be assessed if you withdraw funds from a cd account before its maturity date. Now in regards to information on the deposit agreement regarding anything to do with this case. Section 24 ) a of the deposit agreement states that if discover closes your account, funds will be disbursed to the account holder. The only other part of the agreement that relates to my case would be that discover reserves the right to the availability of funds for new customers as follows ; funds from a days deposits of all check types with be made available no later than the 7th business day after date of the deposit. I have been pretty patient and have given a billion calls to you guys, emailed as well, in an attempt to be treated right but I feel like I am being treated poorly by you guys. I am a human, I deserve my money. I barely survive with the little bit that I have and when that little bit gets taken from me the way it did, Im going to need you to try better than this. No one deserves this, hopefully the consumer finance group will read your deposit agreement so that they know that you guys are being real unprofessional about someone else money. I committed no wrong doing with the account all that I attempted to do was a wire transfer to an external account in order to be able to access my funds because I wasnt given any kind of card from you guys. The account that I attempted to transfer money to evolve bank and trust *1860 is also in my name, same email address, address and everything.
05/31/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NJ
  • 08096
Web Older American
Or XX/XX/XXXX received from XXXX XXXX XXXX XXXX special civil part a letter ( A-1 & A-2 ) stating I'm being sued by Discover in the amount of {$9600.00}. I called XXXX XXXX XXXX and spoke to the court clerk. I informed I've never owned a credit card with Discover my whole life and I don't know what to expect what do I do? He suggested to call the collection attorneys representing discover. ( XXXX XXXX and XXXX ) After several attempts within a couple weeks on XX/XX/XXXX I was successful with the help of my neighbor to speak to the collection agency at the attorneys office I spoke to XXXXThis is when I learned that someone had opened an account in my name in the year XXXX. I explained I have never had an account with Discover and never authorized anyone else to do so! I have never received any information from Discover and any way in regards to have an account statements until I received the letter from XXXX courts. I also explained I have never lived in any other address in my whole XXXX years of age.XXXX had informed that she would pass the information off to the attorneys and conduct investigation. I was to call back within one week for update. I also called Discover to report and give the same statement.. I did not want to but reluctantly, had to give my Ss #.! XX/XX/XXXX, I went to the XXXXXXXX XXXX police station, I met XXXX XXXX XXXX XXXX took my complaint. " I have been a victim of identity theft and showed him letter from the courts of me being sued by Discover. A police report was filed. incident number XXXX. ( XXXX ) XX/XX/XXXX the one week phone call to collection attorney 's office. Was not able to get XXXX, had to speak with XXXX. Had to explain the whole thing all over again. I also explained that I filed a police report with a XXXX police station and gave XXXX the incident report number. The conversation was concluded with XXXX reply " it still under investigation ''. XX/XX/XXXX, ( C ) I received notification from Discover customer protection services. Acknowledgment of my initial call of dispute & informing, they were reporting information to the credit agencies accordingly. To conduct their investigation.additionally, I was instructed to fill out a questionnaire. It involved giving personal info.I did not provide any answers or personal info. I did send a hand written statement. ( D ) Again explaining I have never had account with them never authorized. I have lived at this addressed my whole entire life and never received any notification from Discover ever until I received the initial letter from the courts. Ask that I'd be removed from their billing and contact the credit agencies to let them know that I've been a victim of identity theft.I included the police report. ( B-1 ) XXXX XXXX ( E ) I received from Discover customer protection services. Contents of letter as follows they research the dispute of liability and their records reflect that account was open on XXXX and they found account balance to be valid. Statements will be sent separately. XX/XX/XXXX ( F ) I received statements from Discover. dates of XX/XX/XXXX to XX/XX/XXXX. XX/XX/XXXX ( G ) I received statements from the collection attorneys office representing Discover. XX/XX/XXXX ( XXXX & XXXX ) I received a letter for from Collection attorney 's office representing discover. Contents reflect pursuant to New Jersey Court Stating I'm being notified of an entry of judgment and above referenced matter or XX/XX/XXXX amount of {$9800.00}. Included ( information subpoena ) Informing pursuant to a New Jersey Court rule XXXX ( b ) ( 1 ) 2 page written questions ( ( H-1 & H-4 ) instructed of having to be answered & returned within 14 days of my receipt of this notice. If I don't answer questions. Further informed of opposing party may ask the court to conduct a hearing in order to determine if I should be held in contempt. I did not answer the questionnaire due to the content. All questions being asked of me was providing abundant personal information, including- all material and financial assets, past and current financial history. XX/XX/XXXX I returned unanswered questions ( H-3 & H-4 ) via USPS certified with the XXXXeceipt of delivered letters to ; 1-DISCOVER ( customer protection services ) 2-Collection attorneys ( XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX clerk ( XXXX XXXX XXXX ) Accompanied , a letter ( I ) Containing the efforts, of my phoned & written communications to Discover & Collection Attorneys, of never having an account or authorizing one. Having lived at this address my whole entire life and never received any notification until the notice of being sued for the balance of an account I've never opened. I further more stated, '' I would respectfully stand before a judge to convey my reasons for doing so, as I have outlined above. Thank you XXXX XXXX XXXX.
10/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33319
Web
Discover Bank, is furnishing inaccurate and incorrect information to the consumer reporting agencies. The account reporting inaccurately is Account # XXXX. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general style of living and my ability to obtain any type of credit for personal and/or household purposes. The inaccurate information they have reported has negatively impacted and affected my ability to sustain my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; responsibility Accurate : correct in all details ; exact Prohibition : a law or regulation forbidding something The term person is defined in 18 U.S.C. 2510 ( 6 ) to mean any individual person as well as natural and legal entities. As defined by The IRS : Even if you didnt receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which in fact, makes their reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled or Charge off account is income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 Says Discover Bank , is a furnisher of information to a consumer reporting agency. They ARE PROHIBITED BY LAW to furnish inaccurate information. I demanded them to Cease and Desist the reporting of this incorrect/inaccurate information immediately, and they have failed to do so. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Reasonable cause to believe means a basis for belief in the existence of facts which, in view of the circumstances under and purposes for which the standard is applied, is substantial, objective, and sufficient to satisfy applicable constitutional requirements. They signed for and received my certified letter on XX/XX/XXXX, and was already put on NOTICE that they were furnishing incorrect inaccurate information. The lender must file Form 1099-C, and send the consumer a copy if the amount of debt canceled is {$600.00} or more, and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in Chapter 1. Chapter 1 states : 1. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ). 6. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). The above paragraph is taken directly from the IRS XXXX Publication. Under section : Statements to Debtors, it states : If you are required to file Form 1099-C, you must provide a copy of Form 1099-C or an acceptable substitute statement to each debtor. They once again failed to send me my FORM 1099-C that they should have sent when they filed the account as a canceled debt. My address was listed on the letter! 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and them, and they have been put on notice that they are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. They have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE this Erroneous, inaccurate account from my Consumer Report. They have 10 Calendar Days to DELETE THIS ACCONT FROM MY CONSUMER REPORTS!
12/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60073
Web Older American
I do not like credit cards so use my bank 's Credit/Debit card for everything, or pay cash. My credit score last year was XXXX at this time. Usually I try to have XXXXne credit card for emergencies. I signed up for a Discover Card last year that offered a cash back balance after 13 months of use. I used the card three times in three months, one transaction per month and paid the bills on time. At the third month I noticed a small info box showing that I had {$.00} cash back rewards, XXXX XXXX for each purchase. This was NOT the deal Discover offered. XXXX XXXX per transaction was not worth the hassle of the credit card. I wrote to them to dispute their initiating offer and was double talked. I closed the account. My credit score dropped. My credit/debit card was hacked twice so my bank suggested I use their Master Card, so I applied and used the card to purchase one item : computer printer. The printer did not connect to my computer so I returned it for a refund. However my statement from Master Card showed two printers purchased and no return when I had only purchased one. I called their offices and they told me the credit had been issued and the second charge for the same amount had been removed, but what they said did NOT appear on my statements. I waited a month, the scenario was the same, two charges on my statement with no credit for the item I returned. I called them again. They assured me the second charge was removed and the credit issued despite it was not on my statement. The third month, the second charge had been removed and the credit issued. This was far too much chasing them regarding their mistakes on my account so I closed the account. My credit score dropped. Without a credit card for emergencies. I filed two complaints with your offices about their handling of my credit only to find your office dismissed my issues accepting blindly what Master Card and Discover said. Neither of these errors were my mistake. Before I found out your agency did absolutely nothing about my situation, I opted for another Discover Card, very stupid on my part. I did not know my credit scored dropped when I closed both accounts. After I received your response simply accepting their lies, I found out my credit score had dropped to XXXX from XXXX when I started. I have no bills unpaid or otherwise, my house is paid for, my car was paid for in cash, I never had graduate or XXXX loans because I paid the tuition in cash as I went along to avoid debt when I finished and continued paying cash for anything I purchased through today and I have NO LOANS at all. On XX/XX/XXXX I received an email from Discover that they had cancelled my second account for the following reasons : " Key factors that affected your credit score were as follows : Key Factor 1 Number of accounts with delinquency Key Factor 2 Lack of recent installment loan information Key Factor 3 Too few accounts currently paid as agreed Key Factor 4 Length of time accounts have been established '' 1, I have NO delinquent accounts. 2. I have no loans at all and never did. 3. I cancelled the two accounts that made mistakes on my account. I'm the consumer, it's my credit, I should have the right to open and close credit cards at will without penalty especially when the mistakes are those of the credit card company who I do not trust now. 4. Both accounts were opened but AFTER their made mistakes, I closed them, which is my right and should not be subject to penalty. My credit score is now XXXX, dropped over 100 points since my first dealing with Discover. After I received their email, I replied to Discover and searched the internet to find them listed at RIPOFF.com, together with hundreds of statements from consumers with similar problems, essentially stating boycott Discover because they don't honor the programs they advertise, they lie, cheat and steal as proven by their attached email which is completely false. So the problem is NOT ME, but I have been harmed. I am in the process of buying a house and this low score and sudden drop will affect what I purchase. I believe Discover cancelled the second card and invented their " KEY FACTORS '' which are all intentional lies in retaliation for my complaint to your agency. Again, I am penalized for the actions of Discover. Your agency was established to protect the consumer from these thieves. But there was no protection to me, your agency acquiesced to their lies causing me more harm. It is your job to protect the consumer NOT the credit card thieves. Please do so. Instead of being rewarded for good practices incurring no debt, I've been harmed. I paid out {$25000.00} in cash to my dentist for work, paid up front. These are not the actions of a deadbeat that drains on the system. I am XXXX years old and can not have this fictitious misinformation on my record.
06/26/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OH
  • 44266
Web
On XX/XX/2020, through a third party ( XXXX ), with my Discover credit card through XXXX, I purchased a hotel reservation for the dates of XXXX XXXX XXXX at the XXXX XXXX XXXX in the amount of {$1100.00}. On XX/XX/2020 due to the Covid pandemic, XXXX XXXX XXXX and its XXXX closed. I contacted XXXX requesting a refund and it was denied. I sent multiple correspondence requesting a refund or a credit to use at a later date and was denied. I filed a dispute and complaint for a refund from my Discover card stating that I did not receive this reservation because the resort was closed. According to XXXX 's terms and policies ( which I will attach ) if the hotel is closed, XXXX and its supplier will find me equal accommodations. Since this was not possible, XXXX was to refund my money, which they did not. Discover, investigated my complaint for months and found it to be a valid charge and refused to refund my money. There was no dispute that I made the purchase, the dispute was that I did not receive the product/service I paid for. After I received Discovers final refusal decision, I contacted XXXX again and they agreed to give me a voucher for another reservation. I went to their website to redeem the voucher and their website no longer exists. XXXX is based out of XXXX and I was unable to contact them via telephone. I will upload all correspondence and emails verifying closure of the resort and XXXX and Discovers refusal to refund my money. Thank you for your time with this matter. I was unable to upload this initial communication document, so I copied and pasted it here. Messages Ticket ID # XXXX XXXX XXXX Customer Support Specialist XXXX ( you ) XXXX XXXX, XXXX XXXX XXXX ( you ) XXXX XXXX, XXXX XXXX XXXX ( you ) XXXX XXXX, XXXX XXXX XXXX ( you ) XXXX XXXX, XXXX XXXX XXXX ( you ) XXXX XXXX, XXXX XXXX Due to the Corona Virus, XXXX XXXX XXXX will he closed until XXXX. This was not our choice and I want a full refund for our reservation. Please advise D I am still waiting for my credit card to be credited for the amount of this reservation because XXXX XXXX closed due to the Coronavirus ... ..please let me know what is going on. D XXXX XXXX resorts are closed. Please refund my money. D I originally created this ticket XX/XX/XXXX and haven't heard anything. I need someone to respond back and let me know when I will be credited for this reservation. D I will have to contact my attorney and my Discover card to force you to respond to me and refund my money! XXXX Dear XXXX XXXXGreetings from XXXXPlease kindly be informed that we have contacted our hotel supplier as per your cancellation request and we will be updating you as soon as we get their response.Please note that we can not guarantee the refund, however, we will do our best.Please do not hesitate to contact us if you need further assistance.Best RegardsXXXX XXXX ( Mr ) Customer Experience SpecialistA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX - XXXX : XXXX XXXX Dear XXXX XXXXGreetings from XXXX.We regret to inform you that despite our best efforts, cancellation fee waiver request was rejected by our partners due to the strict voucher conditions.We appreciate your kind understanding.Please don't hesitate to contact us for any further inquiries.Best regards.XXXX XXXX ( Mr ) Customer Experience SpecialistA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX : XXXX XXXX XXXX ( you ) XXXX XXXX, XXXX XXXX I DIDN'T cancel!!! The hotel closed due to the Coronavirus! How can you not refund my money!!! This is absolutely ludicrous! Sent from my XXXXOn XX/XX/2020, at XXXX, XXXX XXXX & XXXX ; XXXX XXXX XXXX ; wrote : Dear XXXX XXXXGreetings from XXXX.We regret to inform you that despite our best efforts, cancellation fee waiver request was rejected by our partners due to the strict voucher conditions.We appreciate your kind understanding.Please don't hesitate to contact us for any further inquiries.Best regards.XXXX XXXX ( Mr ) Customer Experience SpecialistA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX - XXXX : XXXX XXXX ID : XXXX ID : XXXX XXXX Tracking Number : XXXXXXXX XXXX XXXXXXXX ( you ) XXXX XXXX, XXXX XXXX It wasn't my request!!!! The hotel closed! How was I supposed to go!?!?! Sent from my XXXXOn XX/XX/2020, at XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; wrote : Dear XXXX XXXXGreetings from XXXXPlease kindly be informed that we have contacted our hotel supplier as per your cancellation request and we will be updating you as soon as we get their response.Please note that we can not guarantee the refund, however, we will do our best.Please do not hesitate to contact us if you need further assistance.Best RegardsXXXX XXXX ( Mr ) Customer Experience SpecialistA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX - XXXX : XXXX XXXX ID : XXXX ID : XXXX Tracking Number : XXXX
10/12/2018 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
  • SC
  • 29615
Web
I graduated from XXXX XXXX XXXX University in XX/XX/2017 and entered repayment of my loans in XX/XX/2017. One loan, which was three loans in one, had a minimum payment of {$160.00} and the other loan, which was also three loans in one, had a minimum payment of upwards of {$600.00}. These payments were separate and thus due at different times of the month.The payments started out way higher than I knew I would be able to pay, due to my income ; so I applied for consolidation and was denied and tried again after 30 days and was denied again. The first time I applied for consolidation, I was told the reason why I was denied and they couldn't consolidate my loans was because I had different cosigners and they weren't allowed to do that. The second time I was told I was denied because they had acquired one of my loans from another company and they could not consolidate them. Both times I received a denial letter in the mail that was supposed to tell me why I was denied but the letters failed to do so and instead only stated that I was denied with no clear reason as to why. Looking back now, my account says that I was denied based off of my credit score, which was never relayed to me. Once I realized that consolidation would not work and I kept receiving hits to my credit only to be denied, my next course of action was making consistent payments only on the loan that I could afford, but this did nothing for the loan that I couldn't afford to pay, sending it into delinquency. In the meantime, I kept getting calls from Discover threatening to ruin my credit for not being able to make the payments and they also called my cosigner ( my XXXX year old grandmother who is no longer working or able to make payments on my behalf ) threatening the same to her if she didn't pitch in to pay for my loans. I called consistently trying to figure out what I could do and what repayment assistance programs they provided for which I could possibly qualify. The next course of action was to apply for deferment. I was approved for this but it only served as a remedy for one month on one of my loans and two months on my other loan. Once I came out of deferment, this seemed to double my minimum balance instead of adding time to the length of my loan, as discussed when I was approved for deferment. Following this I was even worse off and for sure more unable to make the minimum payment than I was previously. After this, I attempted to get approved for the hardship repayment program since I met the qualifications of being less than 60 days delinquent and I knew beyond a shadow of a doubt that I could prove my hardship with medical records, check stubs, and whatever other documents that Discover may have requested. I was asked about my monthly income and rent payment to determine if I would prequalify/be eligible for the program. After I passed that step I was emailed the application and I filled out and submitted with the required check stubs the same day, only to be denied because my income to debt ratio was less than 60 % which disqualified me. The only debt that was considered was my monthly rent ( though I have an abundance of federal student loans as well, a great portion of my check goes to a healthcare plan for my twin newborns, one of which has a neural tube defect, among other debt that I pay monthly ) and my income was considered with no regard to family size or the fact that I am the only source of income for my four member household which puts us a great deal under the median income for our location and family size. Additionally, if the only factors considered were my monthly income and rent payments, why was I not disqualified during the pre-qualification/eligibility stage while I was still on the phone? This could have saved me the time and hope that I put into filling out the application for no reason. I say all of this to say that Discover has undoubtedly given us the run around with trying to give me options to make it possible to make payments on my student loan debt, all while ruining my credit in the process and making it hard for me to consolidate my loan with another company. I have been consistently in touch with Discover ever since I entered repayment in XX/XX/2017 until now trying to find a solution to be able to make consistent payments on my debt. I know for sure that my hardship was not investigated at all and that the documents I provided with my application were not looked at, as I called after receiving the denial letter only to be told that the information was run through a computer system and there wasn't a real person looking at the information or considering these approvals case by case. Discover 's action have been predatory at BEST and I am seeing an investigation into my situation to make way towards some sort of resolution.
06/09/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 75043
Web
I am responding to information you furnished on my consumer report about a debt you are trying to collect. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : 1.CERTIFICATION OF AUTHORITY : Please provide ( a ) : verified certificate of authority, or fictitious/assumed name certificate from the State of XXXX authorizing your company , Discover Financial. to transact business in the State of XXXX ( b ) : your license number ( s ) and Registered Agent. 2. AUTHORIZATION CONTRACT : Please send me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above alleged account, and naming you as an authorized collection agent/claims adjuster. 3. ORIGINAL CONTRACT : Please send me a verified copy both FRONT and BACK of the alleged ORIGINAL contract/agreement/promissory note in its entirety, including any application, accompanied by a commercial affidavit, sworn to be true, correct, and complete, upon the commercial liability of a properly identified and authorized officer, employee, or agent of the alleged original creditor who states that he/she has PERSONAL FIRST HAND KNOWLEDGE that said front and back verified copy is that of the original alleged contract/agreement/promissory note. 4. CUSTODIAN OF CONTRACT : Please provide the name, title, address and phone number of the natural person who is the CUSTODIAN of the actual alleged contract/agreement/promissory note. If the physical location of said alleged contract is different from that of the CUSTODIAN, please provide the address of that location also. 5. COMPLETE BOOKKEEPING ENTRIES : Please provide the original account and general ledger statement showing the full accounting of the alleged obligation you are attempting to collect, accompanied by a commercial affidavit by the original CUSTODIAN of the books and records sworn to be true, correct, and complete, upon his or her commercial liability. 6. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. . 7. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the alleged debt or sending the check may constitute MAIL FRAUD and a complaint will be filed with the U.S. Postal Inspection Service and the F.T.C. pursuant to applicable law and any litigation that ensues will name you in your personal capacity as defendant. 8.Provide Proof that the FDCPA 15 USC1692 does not apply to Discover Financial Services XXXX 9. Provide proof this wasn't a consumer transaction under Consumer Protection Act and Code of Federal Regulations 11. Proof that Discover Financial Services Inc is not involved in activities that would violate 18 USC 894. 12. Provide proof that the the transaction wasnt guaranteed or insured by the United States. I have asked for this information and accompanied by a sworn affidavit or under penalty of perjury because of questions I have. I need to hear from you to act in good faith to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and at this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Consumer reporting agencies XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in appropriate action against you for the following : Violation of the Fair Debt Collection Practices Act Violation of the Fair Credit Reporting Act Defamation of Character Also let it be known that validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. See Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 614 P. 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P. 3d 807, 96, Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super. 2000 ), Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A. 2d 1218, 201 Conn. I ( 1986 ), and Solon V. Godbole, 163 III. App. 3d 845, 114 I11. Dec. 890, 516 N.E. 2d 1045 ( 3Dist. 1987 ). Thank you for your cooperation
03/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 92111
Web
On XX/XX/2023, an unknown person logged into my Discover checking account and made two unauthorized XXXX transactions, one for {$480.00} and one for {$100.00}. I immediately called the Fraud Department to have my account frozen and filed a claim to dispute the transactions. Ultimately, I closed that account and reopened another with a different account number since someone clearly had my account and routine number. On XX/XX/2023, I received two notifications by mail stating that the XXXX transactions were valid, which they were not. I thought it had to have been a mistake, so I called the Fraud Department to speak with a specialist whom told me the transactions were made with a trusted device, which they were not. She informed me that I would need to submit documentation to appeal the decision. I was thoroughly confused during our conversation because it was clear that there was unusual activity on my account. Twenty or thirty minutes prior to the XXXX transactions ( made on XX/XX/XXXX ), as I had received a text message asking if a transaction attempted at XXXX was valid. It was not until after the call on XX/XX/XXXX with the fraud specialist that I realized the text about the XXXX transaction and subsequent call I had received in response were not legitimate. Once I put all of the pieces together, I collected all of my documentation and submitted them to the Secure Document Upload, but I have yet to hear back, only causing more frustration to an already agonizing experience. This fraudulent activity, causing {$580.00} to be stolen from me would not have taken place if it werent for Discovers inadequate account security. Less than a week prior to this activity, I discovered over XXXX transactions from a XXXX in Texas. Each transaction was for the exact same amount, {$180.00}. These transactions took place on XX/XX/XXXX and XXXX, completely wiping out my entire balance. This very unusual activity did not raise a red flag to the fraud department. I did not receive a single notification alerting me about unusual activity. I believe XXXX transactions made in another state for the exact same amount at such a large total, especially for a fast food restaurant, would certainly constitute as unusual. Discovers website states that a comprehensive set of features and tools, including fraud specialists proactively monitoring accounts for unusual activity, are used to help protect checking accounts from fraud. These statements have misrepresented the companys effort to protect my finances because this obvious fraudulent activity went unnoticed. These severely inadequate preventative measures directly caused my account to be hacked just five days later. Had I received proper notification about this fraudulent activity, I would have been familiar with Discover Banks process once when an unauthorized transaction was attempted. Instead, I was on extremely high alert to ensure my finances would not be compromised again. Ironically, that exact concern is what caused even more fraudulent activity. When recently reviewing Discovers website warning about scams, I came across some questions advising customer to ask themselves : - Did I trust the caller? Yes, my account was just compromised five days earlier. I was still distressed about the situation. The person I spoke to was very professional using excellent communication, grammar, etc. No red flags. - Why am I receiving this request? Because my information had obviously been exposed just a few days prior, and I thought Discover was actually trying to protect my account, unlike they had previously done. - Was I expecting this request? Absolutely! Like I mentioned earlier, I was on high alert due to the experience earlier that week. - I never disclosed my account number, my user ID or password or my social security number. These questions would have certainly raised a red flag. - This person had my online banking username and password. They were in my account when they called me, acted like a fraud specialist and asked me for the code that was texted me to, just like a fraud specialist had done earlier that week when I called Discover after noticing the 30+ fraudulent transactions. Not only did Discovers weak password requirements resulted in easy access to my account, their lack of providing security to my account less than one week prior, caused me to be clueless in their response to fraudulent activity and caused me to be on high alert so it didn't happen again. My password was only six characters. If more secure requirements have been implemented, I certainly never received an alert requiring more secure credentials. This feature should be a top priority for any financial institution. If these features were monitored more closely, I would have never lost {$580.00}.
10/06/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • VA
  • 22043
Web
On XX/XX/2020 I submitted the following complaint to cfpb against discover. YOUR COMPLAINT ( I applied for a Discover Card a few days ago and was approved immediately but wanted me to call them. After I called them, they asked a few questions like my previous address and wanted to call me on the phone number that I provided to them and then told me I am accepted and will get the card soon. The next day I got an email that they want my permission to call my tax return, so I did give them my approval. Now they want me to provide them with my three months of checking account statement, or they will cancel my credit card. Really? On top of that, they have put on limitations on my credit card. When I asked what are the limitations? A lady name XXXX said well, your credit card may not work in certain places. I dont feel comfortable giving my checking account statement to a credit card company. I think its unfair that they ask me all this verification information after I was approved for this credit card. If they wanted all this information, they should have done further investigation before giving me the credit card. I think it has to do with two things. One is my name, which is not a typical American name like XXXX, XXXX, XXXX. Somehow, they think I wont be able to pay my bills because I am an XXXX The second reason is that I am retired. I think it has to do more with classism and xenophobia. Their credit statement clearly says that they dont decide based on race or age, but they sure are in this case. If I am already approved for a credit card based on my good credit, then what seem to be the problem? If they canceled my credit card because I dont want to give them my account statement. I am filling a lawsuit against Discover for classism and racism. ) On XX/XX/2020 they responded through cfpb with the following : ( Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. We are firmly committed to complying with the Equal Credit Opportunity Act as well as all other applicable State and Federal laws and regulations. As such, it is our practice to consistently treat all customers equitably. We regret any dissatisfaction this situation may have caused you. According to our records, your above referenced account was opened on XX/XX/2020 as a result of an internet application received on XX/XX/2020. Per the terms of your Cardmember Agreement, all accounts are subject to review. On XX/XX/2020, our Fraud department spoke to you and advised you that we would be sending you an Internal Revenue Service Income Verification 4506-T form for the above mentioned account. In review of this call, it is noted that we requested your permission to access your tax files, however you explained you do not file taxes. As an alternative method of verification, our agent offered to have you send in three months of current bank statements along with the completed Internal Revenue Service Income Verification 4506-T form by XX/XX/2020. On XX/XX/2020, you contacted us for a status on the review of the above mentioned account. Our agent explained we have not yet received the previously requested information. You informed our agent that you decline sending us any documentation and should your account be closed you will move forward with legal action and the call ended. Please be advised as of the date of this response we still have not received the completed Internal Revenue Service Income Verification 4506-T form and three months of current banking statements, please be advised we must receive this information by XX/XX/2020, to avoid account closure. Thank you for allowing me the opportunity to address your concerns. Should you have any further questions, please feel free to contact me at XXXX XXXX XXXX XXXX. ) First, they are not honest in their response letter. I did permit them to access my tax file. An agent from Discover sent me a permission form to sign and send it to them through email to have access to my tax file, and I did send it to them through email. In their response letter, they also mention that I have till XX/XX/2020, to send them the rest of the information but instead, they closed my account on XXXX right the next day that they responded to cfpb. They wanted to punish me for complaining to cfpb. I am requesting to cfpb to investigate how Discover makes their decision on giving people their credit cards. My lawyer will also be contacting discover soon to find out on which bases they canceled my credit card before XXXX, XXXX? They have only proved me right by canceling my credit card, that they make their decision on the bases of race and class.
02/13/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 90266
Web
On XX/XX/XXXX, I disputed a charge of {$3600.00} from a merchant named XXXX XXXX, based on false representations and non-conformity of goods. I should have disputed the full amount, which was {$5600.00}, but I was much too nice, and only disputed the price of one mattress. On XX/XX/XXXX, I disputed a charge of {$660.00} from same Merchant for same reasons. Initially, Discover found in my favor and credited the charges to my account. But then the XXXX, XXXX XXXX, challenged the decision and provided false information to Discover. Discover failed to apply the law to this dispute process and changed its decision and found in favor of Merchant, and told me I needed to return the products for store credit " per merchant 's policy '', even though Merchant had made a series of gross misrepresentations to me to induce me to make a purchase and had provided me with non-conforming goods. I even tried to return the product to Merchant, who refused to take them back for the full price paid, and made up a list of new terms and conditions which were not included in the original sales form, such as he would have to deduct the " value '' of the " gifts '' he had thrown into the sale, etc. On XX/XX/XXXX, I reinstated my disputes and asked Discover to reconsider. I listed all the legal reasons why Discover should have granted my dispute and submitted additional documents. On XX/XX/XXXX2, Discover wrote back stating they had already considered the dispute and they were denying it again. Discover failed to state the basis on which they denied my dispute. The legal bases for my dispute were : 1. The products that were he subject of the above 2 charges were never delivered to me, as both transactions were voided by me the day after the transaction. Under Federal Credit Billing Act ( FCBA ) 1666e, once the order that were the subjects of the first two transactions were cancelled, merchant was required to refund those charges to me promptly, but didn't. 2. Discover 's reasoning appeared to be that there was a third transaction many days later, pursuant to which certain products were delivered. However, this third transaction had nothing to do with Discover, and was paid with a different credit card. 4. Even if the third transaction concerned Discover, the third transaction was induced by a series of gross misrepresentations made by merchant to me. The products delivered pursuant to third transaction were non-conforming to what was guaranteed by Merchant in writing. For example, after I had inquired about a mattress model named " Impeccable '' which was 12 inches high, the mattress salesperson came back to me and said the company had just changed their model names to make them more " consumer friendly '' and they had renamed the " Impeccable '' mattress to " Clear ''. He put on the invoice that the " Clear '' mattresses he was selling me were equivalent to " Impeccable. '' After the mattresses were delivered, and proved to have zero support, I found out that he had lied about the mattress names being changed, and that the " Clear '' mattress he had foisted on me was 2 inches shorter, and therefore far less supportive, than the " Impeccable '' mattress. There is an email from the company stating they never changed their mattress model names, and the invoice states in writing that the " Clear '' mattress is " equivalent to the Impeccable. '' This constitutes clear fraud by the Merchant. yet, Discover chose to ignore this fact. 5. Another legal basis for my dispute to have been granted is that in California, retailers that wont give a full refund or credit, or allow an equal exchange, must clearly display their policy at each cash register and sales counter, or at each public entrance, or on tags attached to each item sold under the policy, or on the retail sellers order forms. California Civil Code section 1723. If a store violates this law by not clearly displaying their limited or no return policy, retailer must take the item back for a full refund. On the final invoice for the third transaction, I was promised an equal value exchange, but there was no mention of deducting the value of Merchant-branded gifts that Merchant had thrown in. The deduction of value of gifts was not listed anywhere in the store or on the invoice. Therefore, Merchant was in violation of CA Civil Code section 1723, and was obligated to give me a full cash refund. I was not bound by Merchants return policy. I have submitted the legal bases, and documents substantiating my account, to Discover twice. Any other credit card company would have granted my dispute under these egregious circumstances, where an unscrupulous mattress salesperson told me multiple lies before and after the sale and ended up delivering products that were non-conforming and non-functional.
05/17/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • AZ
  • 85395
Web
Hello, My name is XXXX XXXX. I have a personal secured credit card line with Discover credit card. I have been a customer since XXXX. In or around XXXX of XXXX. I enrolled in a deferment payment program that was supposed to lower my interest and give me lower minimum payment terms, due to my losing my employment due to XXXX. I was told that upon entering this program, my spending privileges were going to be suspended until such time of the balance has been paid or time on the program has expired. After requesting an option that would better fit my financial ability, this option was the only one that was offered to me. In good faith, I reluctantly accepted the offer to stop the collections calls from Discover. After enrolling in the program, the collection/harassment calls continued. On XX/XX/XXXX ; I was able to pay the entire balance of the card, after receiving my stimulus payment. At this time, I was told my enrollment in the deferment program had been voided as the balance was paid off. I was also informed to be aware of the monthly interest on the amount that was paid. On XX/XX/XXXX ; I paid off the existing current interest due for the previous amount paid ( {$1900.00} ). At that time the program should've been completely voided to its entirety, as the card has a zero balance. I spoke to representatives from several different department ( Customer service, Collections, Account Review & Credit Operations ) on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & XX/XX/XXXX. All calls were pertaining to either reinstating my spending privileges so that I could freeze my account. Or refusing the account review process as it forces a credit check that I decline to participate in. I am currently trying to purchase a home and checking my credit or having a newly financial account opened or closed is detrimental to my credit standing. Once my home is purchased it is my desire to close this account if a resolution can not be obtained for this specific issue. Today, XX/XX/XXXX, I was told by a csr on the account review team and the credit operations department that my account is being reviewed monthly and my credit is being checked without my consent. At this time, I asked what the results were, as my credit is in a better standing today than it was when I initially opened the account! If credit is the sole decision maker to reinstate my account, then technically there is no reason why my spending privileges should be suspended. I was told that my account has been reviewed twice since I paid the entire balance and that because of the deferment program my credit standings will determine my spending privileges. At that time, I then expressed my concerns of possibly being retaliated against or discriminated against due to race. I told the csr that I felt I was being retaliated against because almost every CSR that I have enacted with has become aggressive towards my questions about my account. Defiant to give any written information concerning my account. Combative when asked to speak to a superior, and reluctant to resolve my issue by forwarding my call to the correct superior with decision-making abilities. And I feel discriminated against because they are privilege to my XXXX demographic information from my credit report and from me revealing my race over the phone. When asked If the decision to extend credit to existing accounts were the same for everyone, I was assured they were. But when asked about the decision-making process. I was declined this knowledge and was told it was under their proprietorship, and not for public knowledge. In conclusion, I am filing this claim today to receive a resolution about how to reinstate my account. I would like to see a reinstatement on my account that does not involve my credit worthiness being jeopardized. I do not feel that credit standings should be a sole decision maker for current account holders who are NOT requesting to increase credit limits. ( FYI- my credit standing is in a better predicament today than it was when I opened this account in XXXX. ) How are the credit requirements different today, than just 2 years ago? I also would like to see current account holders who are experiencing fragile credit situations, the option to decline or suspend the decision for account review or credit checks for a limited time. This will give customers the options to stabilize credit worthiness. And if this cant be done, then Discover should offer credit management operators to help customers to overcome such overwhelming situations. Discover should not willing involve itself in the detriment of its customers credit worthiness. Especially if that customer doesnt owe a debit to their company. A credit card company should be a benefit to its consumers as well as a financial entity.
07/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33351
Web
On XX/XX/XXXX I received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX they introduced themselves as working with XXXX XXXXXXXX XXXX XXXXXXXX XXXX which I am a member of, with covid & lockdowns this deal sounded like a good opportunity for a getaway once the world opened up again. I made the purchase, but when I received an email with a brochure and started looking at the different cruise lines and what was offered, it was clear the sales person lied about what was available as far as cabin suites for a family of XXXX. The company was closed by the time I was able to consult with my family members and decide this wasn't going to work for us. so I had to call to cancel the next day. On XXXX I called My XXXX XXXX to cancel, the person I spoke to was XXXX XXXX who tried to convince me to keep the package, but I was adamant that it wasn't going to work for us because the only itinerary we were interested in was XXXX and none of the cruise lines that offered that route had cabin accommodations that would fit XXXX adults comfortably without using a rollaway bed or wall berths. I was advised by XXXX XXXX that he would put in the cancellation and I would see a credit within 3 days. On XX/XX/XXXX I called XXXX XXXX XXXX because there was no credit to my account and no confirmation of the cancelation in my email. When they pulled up the account information and I asked about the cancellation status I was told there was no cancelation request put in and I needed to contact my credit card company. I immediately called Discover Credit card fraud division to dispute the charge and advised them of what happened and the dispute was opened. I didn't receive any correspondence from Discover regarding my dispute until XXXX of XXXX with a denial of the dispute. Immediately called Discover to see what happened and the advised that the seller provided them with information needed to validate the transaction. I questioned what information they received and they stated it was signed documents. I did not sign any documents for that company. They forged my signature on their forms and sent them to Discover and also stated that I never tried to contact them after XX/XX/XXXX, conveniently that's the date they fraudulently claim that the cancelation form was signed. I provided Discover with phone records and an email that disprove the seller 's claim. I requested for Discover to email me a copy of the paperwork they received from the seller, they advised they could not email, but they could mail the documents to me. Once I received the documents I went through them and saw that the seller forged my signature on a cancelation document that says they need cancelation done in writing. I also realized that the dispute claim was submitted incorrectly by the Discover representative that I made the initial report with on XX/XX/XXXX. The dispute was entered as a " quality of goods and services '' dispute and not a cancellation as a result of suspected fraud. I received no services or goods from the seller so, I'm not sure why it was submitted that way. In XXXX of XXXX Discover advised me that I needed documentation from the seller stating they were willing to give me a credit in order for them to credit my account. I have not been able to reach the seller since XXXX of XXXX. I don't know if they blocked my number or what has happened, but when I call any of their phone numbers the call doesn't go through. I submitted to Discover a copy of the Florida statute regarding cancelation of vacation packages that gives the buyer up to XXXX to cancel without reason. Discover reiterated that they needed correspondence from the seller stating they approve the credit which I am unable to reach anyone there. Discover also provided me with a different phone number for the seller and that phone number ( XXXX ) goes to an automated voice and then after pressing prompts I'm on hold for a little over XXXX minutes, then the call disconnects. I tried this XXXX different times with the exact same results, I'm unable to speak with anyone no matter which prompt I select. Discover has told me that unless I get something in writing from the seller that they will cancel the package, there is nothing they can do for me. Which makes no sense. I cancelled with the seller within XXXX hours of purchase, I disputed the charge with Discover 5 days after purchase because the seller refused to cancel the package. I sent an email on XX/XX/XXXX to the seller upset about the situation, with no response. I received no goods or services from the seller. I thought I did everything needed in order to resolve this because Discover never told me that I needed correspondence from the seller stating they were willing to cancel the package prior to XX/XX/XXXX, AFTER they denied the dispute.
09/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 44139
Web
On XX/XX/XXXX I received an email alert from XXXX regarding a change to my credit. I think discovered that Discover Bank reported to the credit bureau that my account was 30 days past due. I have been enrolled in a payment plan with Discover on XX/XX/XXXX since being laid off from my job in XX/XX/XXXX and depleting my savings. I scheduled out payments to catch up my balance while hoping that I would eventually gain employment and be able to make said payments. While enrolling in said payment plan, I was not informed that payment must be made regardless of being in a payment plan, by XX/XX/XXXX or it would be reported to the credit bureaus as 30 days past due. Mind you, I have had two payments scheduled one for XX/XX/XXXX and another for XX/XX/XXXX. I called Discover the same day, explained the situation and the woman on the phone 's name was XXXX, she mentioned that I should have been disclosed this information and that it is an error, from here she worked with me to submit a complaint within their company. This alert on my credit report has caused my credit score to drop XXXX points and has caused severe stress to me. I took the necessary steps to file a dispute with XXXX, called today XX/XX/XXXX after receiving an alert that the dispute was closed and that the " 30 days Past Due '' was not removed from my report. I spoke with someone named XXXX at XXXX around XXXX this afternoon, gave my personal information and was told that XXXX has in their system that it would be removed from my credit report by XX/XX/XXXX. After work this afternoon, I then called XXXX again and asked the same question to the person on the phone this time ( XXXX ) from there he told me that information was incorrect and that the dispute was marked as complete and it would not be removed from my credit report. He told me the individual I spoke with, possibly did not work at XXXX. He then told me to call Discover and try to receive written documentation of their error and the communication they mentioned to me over the phone. Shortly after that conversation, I called Discover and was on the phone for nearly 2 hours with at least 4 different people. I spoke to someone named XXXX, XXXX, XXXX and XXXX ( XXXX was the XXXX department ). On the phone XXXX mentioned that the " 30 days Pas Due '' would not be removed until the balance was paid in full, she mentioned Discover can not correct or remove the " 30 Days Past Due '' from my report. I asked if she could provide me written documentation of this statement and situation, she then backtracked and changed her response, also mentioned that she couldn't provide written documentation, that she " didn't have letters ''. I then worked with XXXX to file another complaint within Discover. I have been treated poorly throughout this entire experience. Information has not been disclosed to me at all, mistakes have been made on Discover 's part and no one is taking blame nor working to fix the situation. I have never had a late payment with Discover and I've had this account since XXXX. On XX/XX/XXXX I was sent paper statements from Discover that I'd never received before neither by mail nor by email. I received no written communication that a payment was missed and needed to be made by XX/XX/XXXX. It has now come to my attention that I may not have been told information regarding hardship programs/payment assistance. I have found areas and websites online that suggest Discover has a hardship/payment assistance program for individuals facing financial hardship. Despite calling multiple times to explain my situation and worries about not being able to pay a bill, they did not give me the proper information or even enroll me in a program where I could receive assistance. I had no way, no funds to make a payment for XXXX so it should not matter if I called to change a payment date. My account would have been overdrawn and I would have been in an even worse situation. A payment date was changed to a date where I was able to make a payment ( when I received my first paycheck from starting a new job ). Not once when I rescheduled a payment, was I told a payment needed to be made or they would report it. No information was given to me whatsoever. This has been a horrible experience, no one has been sympathetic or has tried to help me with this situation. I would also like to add that I have never missed a payment with Discover before this and I would like some leniency to be made. I would like this investigated. I would also like to mention that it says before typing a statement not to include personal, identifiable information as it would be public and in the investigation response from the company they have disclosed my personal, identifiable information and that is extremely wrong and violates my privacy.
07/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 940XX
Web
On XX/XX/ I attempted to pay the balance of {$8600.00} due on my Discover It credit card. I used the blank check provided on the bottom of the statement, detached it as instructed on the statement, and mailed it to the address provided by and instructed by Discover along with my tender ( letter of instructions for Discover so they knew what to do with the payment ). In addition to the payment and tender enclosed in a secure envelope, I provided a printed copy of Federal Reserve Act Section 16, 2. - which notifies Discover of my right to provide a tender along with my payment. Again, the above letter was mailed directly to their billing department. In addition to the secure envelope and its contents described above, I sent a second letter on XX/XX/ directly to Discover headquarters addressed to their CFO, XXXX XXXX XXXX. This letter included the following : A copy of the same payment sent to the billing department. A copy of the same tender ( letter of instructions ) sent to the billing department. A copy of Federal Reserve Act Section 16, 2. sent to the billing department. And a copy of a notarized California Durable Power of Attorney. Each secure envelope described above ( 2 ) was sent certified mail with a certificate of service ( PS form 3811 ) through United States Postal Service. Both of those envelopes were delivered and signed for on behalf of the Discover billing department and by agent on behalf of XXXX XXXX XXXX, XXXX. I know this because I have the signed certificates of services from both envelopes in my possession. In my tender, I instructed the CFO, XXXX XXXX XXXX to communicate in writing within XXXX business days once the payment was applied. Not only did XXXX XXXX XXXX XXXX and the billing department fail to respond in writing within XXXX business days ; they completely ignored me ( the owner of the account ) and they failed to apply the payment which was sent to them. On XX/XX/2023 I attempted to pay the {$8600.00} due for a second time by sending a secure envelope, sent by certified mail with a certificate of service with the same contents described above inside of the envelope sent to the billing department. This time, I included a printed copy of Federal Reserve XXXX XXXX XXXX. XXXX XXXX XXXX, attempting to notify Discover that they are officially in violation of ( b ) Second Tier - breach of contract to perform any fiduciary duty as stated in Section XXXX. OnXX/XX/XXXXanother secure envelope with the same contents sent to XXXX, XXXX XXXX XXXX XXXX was again sent certified mail with a certificate of service. This time, I did not include the Power of Attorney as XXXX XXXX XXXX XXXX is already in possession of the first copy I sent. Instead, I included a copy of Federal Reserve XXXX XXXX XXXX. XXXX XXXX XXXX, attempting to also notify XXXX XXXX XXXX XXXX that he is in breach of contract for failure to perform fiduciary duties. In addition, I highlighted that the breach was part of a pattern of misconduct as he failed to respond to my first letter of instructions. The second set of letters described above, were sent and delivered as I am in possession of both signed certificates of service proving Discover billing department and the CFO received my second attempt to pay. Once again, XXXX, XXXX XXXX XXXX XXXX and the billing department failed to respond in writing ( completely ignored me for a second time ) within XXXX business and they failed to apply the payment for the second time. On XX/XX/XXXX, I requested a copy of my Discover Card Member Agreement, which I did not initially receive when I first received the plastic credit card. I now have this agreement in my possession. OnXX/XX/XXXX I made a third and final attempt to pay the {$8600.00} due on my Discover It credit card. I followed the same procedure described in my first and second attempts to pay. Again, I used certified mail with certificates of service for each instrument of communication sent to the same persons - the Discover billing department and directly to the Chief Financial XXXX - XXXX XXXX XXXX XXXX. The only difference of the contents of the secure envelopes sent for my third attempt to pay was, I highlighted ( c ) Third Tier of The Federal Reserve XXXX XXXX XXXX. XXXX XXXX XXXX, attempting to notify Discover billing department and CFO XXXX XXXX XXXX XXXX that this third and final attempt is a " Notice of Default - Breach of Contract ''. It is now XX/XX/XXXX, and I have yet to receive a response to my third attempt to pay, a phone call or any communication whatsoever from Discover billing department or CFO, XXXX XXXX XXXX XXXX. On page 3 of the Discover Cardmember Agreement, it states verbatim, " This Agreement is governed by applicable federal law and by Delaware law. ''
11/01/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • AZ
  • 851XX
Web
I applied for credit with Discover on XX/XX/XXXX. It was an online application. I was compelled to disclose my social security number. I could not proceed with the application if I did not disclose my social security number. The application was approved. Since opening an account with Discover, I have applied for an increase of my credit three times. I applied XX/XX/XXXX. I was denied, the reason they gave was insufficient experience with Discover. I applied again XX/XX/XXXX. I was denied again, the reason they gave was low usage on the existing line of credit in previous months. I applied again in XX/XX/XXXX. I was again denied but this time they did not give me a reason for their decision. According to the Fair Credit Reporting act, denying me an increase of my own credit is an adverse action. Discover has taken an adverse action against me. In the Fair Credit Reporting Act under 15 USC 1681a ( k ) ( 1 ) ( B ) ( iv ) ( II ) adverse action- adverse to the interests of the consumer. Not only has Discover discriminated against me, they have caused me damages and injury. I have not made any late payments. I rarely carry a balance over to the next month. I keep my debt low to not have to pay a finance charge. I have purposely made extreme efforts to maintain a higher credit score. Consumer reporting agencies assume the role but they are not fair nor accurate. Discover has made consumer reports to consumer reporting agencies that have caused my score to drop. I did not consent to Discover reporting any negative remarks to any consumer reporting agencies. Yet they have, which is a violation of the Fair Credit Reporting Act. It is my understanding of the Equal Credit Opportunity Act that my account is an extension of my own credit and should be an open ended credit plan. Per 12 CFR 1002.2 Account means an extension of credit, the word use refers to open end credit. 12 CFR 1002.2 says an adverse action means a refusal to grant credit in substantially the amount or on substantially the terms requested in an application. I did not have the opportunity to request an open ended credit account on the online application. Since Discover compelled me to disclose my social security number, my account should be open ended credit plan. 12 CFR 1002.2 Open end credit means credit extended under a plan in which a credit may permit an applicant to make purchases or obtain loans either directly from the creditor or indirectly by use of credit card, check or other credit device. In the Truth in Lending Act, credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Every time I have participated in an employment transaction, they request my social security number. When I purchase automobiles the dealer requests my social security number, when I bought a house they asked for my social security number. So the social security card is in fact a credit card in which I am making indirect purchases from. It is in fact my credit. Discover is a corporation. Banks and corporations can not lend money or credit. I have extended my open end credit to Discover in turn to receive the benefit of using the card to make purchases indirectly from my own social security account. The social security card issued to me does have an account number and a routing number. While I am not the owner of the card issued to me, I am in fact the beneficiary of said account. The credit card is used to obtain money, labor, property or services primarily for personal, family, and household purchases. Discover sends me a statement in a positive balance but has not disclosed how to properly endorse the remittance coupon they attach with the statement. If I have to obtain labor to pay for credit it is not a benefit it is peonage. Credit is defined as the right granted by a creditor to a debtor to defer payment of debt or incur debt and defer its payment. I do not see where in this definition of credit am I supposed to pay for credit. I am granting Discover the right to defer the payment. If I am to incur the debt then Discover shall defer the payment. If me using the CFPB portal or any other consumer protection to obtain remedy causes me any further injury or adverse action it would be a violation of the Consumer Credit Protection act. Per 15 usc 1693l no writing or other agreement between a consumer and any other person may contain any provision which constitutes a waiver of any right conferred or cause of action created by this Subchapter. Nothing in this section prohibits however, any writing or agreement which grants to a consumer a more extensive right or remedy or protection than contained in this subchapter or given in settlement of a dispute or action.
03/24/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • AZ
  • 85016
Web
I have always respected guidelines and rules set up by credit card companies and banking industries. I believe that people should have to follow guidelines and rules and regulations set up by these companies, in order to maintain civility and responsibility but in very rare instances, there are times that certain companies expect their consumers a customers to follow guidelines or rules that the company does not believe that they have to follow themselves, meaning that these companies should not be illegally or morally allowed to expect consumers to follow guidelines that the company themselves refuse to follow. My issue is with Discover bank and their terms and conditions involving disputes or charges in my case. I had no idea that a credit I had gotten on my account for a dispute that I had made would cause complete chaos in my life despite me following all the proper guidelines and procedures in a bank discover bank, I filed a claim, and the claim was credited to my account per proper procedure, and then time went on days, turned into weeks and weeks, turned into months, and my account has been used many times after this with no problem at all certainly I had never gotten any indication from Discover that there had been any issues so many months went by and out of nowhere I suddenly checked my bank account one day only to find out it was in the negative almost {$100.00}. I was shocked and surprised because I had no idea where this issue had happened so I contacted Discover bank to inquire about this extremely large negative balance, only to find out, some extremely shocking and ethically questionable information. It turns out that the claim I had made nearly 100 days ago. Was now being charged back to my account by Discover. I thought in my mind theres no way this could be happening. It has been nearly 4 months and according to discovers terms and conditions on their website, Discover has a huge allotment of time 90 days to handle and settle cases before they are closed down but when I looked at the dates involved in this case, I realize that not only had their 90 day timeframe has passed for them to charge back this amount on my account but it also been past their 90 day guidelines and parameters nearly 2 weeks after their 90 day set up guideline they decided to do this charge back to my account. I started thinking in my mind, how in the world can discover bank, violate their own guidelines, break their own terms and conditions and cost me the stress and chaos of having a charge back on my account that was nearly 4 months old and was perplexed. I thought well doesnt Discover have to follow their own guidelines if they sit up for their customers their 90 day timeframe is a timeframe that they give customers for them to investigate cases, and when customers are that say late on payments or late on guidelines that are set up by Discover the customer always has to end up paying to fix the problem, but what happens when you discover decides to change their own guidelines, and terms to fit their own needs violate your own contract and causing customers to suffer I mean, and this only happened because Discover had not taken due diligence and done their own investigation in the proper time frame? I thought the only choice I had was to Tryon contacting the CFBP because I knew that they were the only ones that can make a tyrannical bank like Discover have to follow their own terms and conditions when it comes to customers guidelines and issues. I mean, how can that be fair if customers are always held to certain guidelines terms and conditions time frames, but yet discover can violate their own guidelines, terms and conditions time frames when it suits their own needs? Why had there not entire investigation team acted properly and timely with this investigation just because they were negligent and lazy, and did conduct their investigation in a ethical manner does not mean that they should be able to you violate their own contract and change set up time frames just so they can fit their own needs and desires.? I believe after this terrible world pandemic end the job hours I had to have cut due to pandemic which cost me severe financial strain discover bank should not be able to take advantage of people who had to suffer through the pandemic who are hard-working people and who are just trying to make ends meet discover bank is a multi million dollar tyrannical bank that probably does this more often then people would like to admit, but I feel like if I dont make this complaint, they will continue doing this to more innocent victims and stealing money from more innocent people due to their deciding to change and alter their terms and conditions and contracts, whenever it suits their needs
10/15/2017 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • NY
  • 10455
Web
I normally pay my Discover Student Loans online, either via the company 's own web portal or as a bill pay via my bank. On XX/XX/XXXX, I went to pay my usual monthly amount for the previous month 's statement using Discover 's own web portal, but to my surprise it indicated a higher amount that what was on the statement itself. I called their customer service department to inquire about the discrepancy and was told that there did in fact seem to be an error on their end but the representative could not figure out why that was and had to escalate the matter to their back office team. The representative assured me that I would get a follow-up concerning the matter within a week 's time. That week came and went with no response from Discover, so I got on the phone with them again to inquire on the status of the issue and to obtain instructions on what to do with that month 's payment which was about to become due in a day or two and I did n't know which amount I needed to be pay ( the lower or higher ) and I did not want to become past due or incur late charges. I was instructed the pay the usual ( lower ) amount because once the back office team resolved the matter it would all balance out and fix itself in the system. I did as instructed, but to my surprise, about one week later I received the new monthly statement showing that I had a past due balance. So I got back on the phone with the customer service department to ask why my account says I am past due and also why have I STILL not yet received any follow-up regarding the previous issue I originally called about. I ended up having to make 2 more subsequent calls that same day because the all representatives I had talked to up to that point, none seemed to fully understand the situation I was trying to explain and was experiencing, and out of frustration I would just politely end the call only to call them right back again. I finally spoke with a rep that seem to fully understand the growing complexity of the situation and offered to look deeper into the issue and call me back that same day with a solution the rep never called back. Another week went by with no response or update from Discover. I again called them up and yet again asked why I have n't heard back and what the current status was of my escalated matter. The representative indicated there were no updates, other than the notes from all the previous calls I had made thus far. I asked the rep if they could please help me figure out what was happening with my account and why I kept getting the runaround. The agent once again promised to look into the matter and would call me back with an update that same day but of course the call never came. I have since called them at least 8 times, and every single time I am told that the matter would either be escalated or that I would get a call back. I have received none of those things and many weeks have now passed. Then on XX/XX/XXXX I received a letter dated XX/XX/XXXX indicating that my account number with Discover has changed and that I am to update the information with my bank. Only problem is that the due date for my bill is the XX/XX/XXXXof every month and I had already sent out my payment for the month, not to mention the fact that they inform me of this drastic change to my account information literally at the very last minute, with less than one week to update my records before the bill became due. Because I had already sent out the payment to the " old '' account number on file with my bank, Discover now claims they have not received the payment and have marked my account as delinquent, despite said payment having cleared with my bank on XX/XX/XXXX. I got back on the phone with them today,XX/XX/XXXX, to complain that this new error with my payment is through no fault of my own, and also to, yet again, follow up on the previous issues with my account ( because I have STILL not heard back about the status of all the escalations ) only to be told, AGAIN, that the matter would have to be escalated and that I would have to wait at least 1 week to receive any update. This has now turned into a vicious cycle, with no one from Discover taking ownership or responsibility about the myriad of problems I am facing with my account, and I have been left with absolutely no recourse to protect and defend myself against the utter incompetence of this company and its customer service personnel, which only leaves ME financially liable for their errors. I should not have to put this much work and effort to resolve a matter that it is not of my doing and frankly I am on the verge on suing them. I assume that I can not be the only one experiencing this degree of negligence that borderlines with impropriety.
06/25/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 34232
Web
My Claim Letter Against Discover and XXXX In XXXX I incurred a health emergency that left me unable to work until the fall of XXXX, albeit part-time was all I could find. When I first became ill, I had no idea that it would not be weeks to heal but months to even regain my strength. Instead, I had to use my savings and credit cards to help me with necessities and eventually had to go on food stamps and other forms of government assistance to get by. This financial hardship lasted longer than I expected, and there came a time when I overdraft my bank account over and over again. I was broke. Then, Hurricane Florence hit, and I was displaced. Because of the kindness of a neighbor, I did not become homeless and was safe. However, I still didn't have any money coming in for another month. Thus, I still couldn't pay my bills. With the exception of Discover, companies and people went out of their way to work with me. They allowed me to rebuild my life until I could pay them back as I promised -- as soon as I got back on my feet and could take care of myself again. However, Discover ended up " selling '' my debt to XXXX and XXXX, XXXX. after Discovered had charged it off. Before I knew that, I had reached out to Discover multiple times in the past, explaining my dire situation. Yet, every time, they asked me to pay at least three to four-figure amounts, which I did have. By the XXXX of XXXX, I had all of my debt paid except Discover. Even though the amount was charged off, I wanted to make it right and try to settle for less by making a lump sum of XXXX ( that took me months to save ) and then pay about another XXXX in payments. I didn't expect to settle an XXXX debt for XXXX ; it was just where I could start. Although, when I called Discover to make arrangements, they told me that I would have to deal with XXXX. So, I called them, explained the situation. They asked me if i could pay them XXXX to settle ... XXXX sigh ) They accepted my lump sum of XXXX and then payments of {$200.00} for five months. The person I spoke to, " XXXX, '' told when my debt was below XXXX, they would consider making a settlement with me. I expected that I would be contacted in XXXX with an offer or a letter to call them -- that is what I understood. I am on a " Do Not Call List ''. However, I welcomed them to contact me via email or D.M. They sent me monthly notices, so the company knew they could contact me by sending me a letter. However, instead of sending me an offer, they served me a summons on XX/XX/XXXX. I called the company to get clarity. I was hoping to speak with the attorney who filed the claim. However, " XXXX '' picked up the phone and proceeded to " strong-arm '' me with words such as, " You've missed your last two payments. '' Even after I told her that I did not. I paid what was agreed to and would like a new offer. She was aggressive when trying to get me to make a payment. But, my main focus was trying to find out why they chose to serve me rather than send me a simple letter. Moreover, I didn't have any information that if I made a payment, they would not sue me. Hence, I didn't feel comfortable making a payment of any kind. I wanted to talk to a lawyer to know my rights in this situation. As I was trying to hang up because I wasn't being heard, someone named " XXXX '' interjected himself, abruptly, into the conversation. In seconds, he told me they were starting papers to sue me. I said, " You already did. I got the summons tonight, which is why I called. '' I told him I would call back tomorrow after I had more information and checked my budget to see what I could pay because I don't get paid much during the summer. I am a XXXX XXXX XXXX teacher, and I work at a small private school. I don't get benefits, paid for holidays, nor any breaks. I am teaching XXXX XXXX, but I am not working any more than 15 a week. Yet, my bills are all the same, and my rent will increase in XXXX. I am still trying to rebuild my life from my hardship, which began in XXXX and lasted until late XXXX. I am a single XXXXyear-old woman, and I have no one but me to rely on. I have no family or friends who can help me with money. It's just me. Because of what happened to me, I have no savings or retirement. I am scared every day that I'd be ruined again if I have another emergency, as I did in XXXX. I am not expecting to get the XXXX or so all written off, albeit that'd be a miracle. I know the amount has already been charged off and taken as a loss by the company. In some ways, the tax law allows them to benefit from these losses. So, I don't understand why they can't settle 30 % to 40 % of what I owe, allowing me to make the payments, which I know I can make.
10/23/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • CA
  • 92102
Web Servicemember
I previously held a Discover credit card in XXXX. The card was closed with a XXXX balance on XX/XX/XXXX. I filed for Bankruptcy Chapter XXXX in XX/XX/XXXX and it was discharged in XX/XX/XXXX. Discover was never included in the bankruptcy. I was never late with Discover. I never missed a payment and my payments were never returned. Approximately one year later, in XX/XX/XXXX, I applied for a Discover card and was rejected for " STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT. '' I called customer service and they told me there was nothing they could do because it was showing as a bankruptcy. I supplied information to all the credit bureaus and had the account updated to reflect the correct status : Paying/paid as agreed. Closed by consumer. In XX/XX/XXXX, I used Discover 's pre-approval tool and was denied due to " STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT. '' Knowing that this was incorrect, I called the customer support team. They told me that my application had been rejected due to my previous card being included in bankruptcy. I informed them this was incorrect, they looked at the data and agreed - sending me up to a supervisor. Eventually, I reached a man named XXXX in a high-up credit reporting department or something of the like. His direct line is XXXX. I spoke with him on and off for two weeks while he worked to get all notations of my bankruptcy removed. Once he verified that it had been corrected, he told me to submit an application. At this point, I had spent no less than 5 hours on the phone with Discover through various stages of this process. Over the next month, I submitted at least 7 different pre-approvals at the suggestion of people in the Acquisitions department and could get no confirmation that my status had been updated. I spent an additional 4 hours on the phone with application specialists, and Acquisition team members trying to find out more information. Trusting what XXXX had told me, I decided to apply again, believing that because my credit reports reflected correctly and I had someone already clean my account of any erroneous reporting, that this would not be an obstacle. I submitted an application on XX/XX/XXXX and received a hard inquiry on my XXXX credit report as a result. The application was rejected solely for the reason of " STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT. '' I immediately called the application team and asked for a supervisor after explaining my dilemma. She, XXXX, told me that there was nothing she could do about my application or the inquiry - but she did say that she could see that my previous account in Discover 's system showed " Bankruptcy '' for a status, yet she could clearly see that the account was closed before the bankruptcy was filed. She then put me on hold and spoke with the " Bankruptcy '' Department ( Ph # XXXX ). She transferred me to a woman named XXXX who profusely apologized for the error and said she was forwarding it to her supervisor for immediate correction. XXXX said to call them back in 72 hours and it would be fixed, and then I could apply again. When I inquired about her removing the inquiries, she seemed confused and didnt understand that I was asking for the inquiry to be removed since Discover rejected my application based on false information. I said I would like to apply again, but did not think it was fair to receive two hard inquiries simply because of an error Discover had made with their internal systems. After getting transferred to her supervisor, it turned out to be XXXX - who I had spent several weeks talking to previously. He apologized profusely for the mistake and said that there was simply an error in the system. He said he submitted to fix it again, but couldnt make any promises about getting the hard inquiry removed. At this point, Discover has taken up more than a full days time from me, to fix an error that should have never been included to begin with. They also have put two hard inquiries on my credit report that were based on factually inaccurate information. Simply put, because I did not have an active account with Discover at the time of bankruptcy, there should never have been any notation applied to my previous account. I have been patient, but this habit of mis-reporting and mislabeling consumer accounts is immoral and should definitely be considered illegal. I have been financially harmed by Discovers refusal to remove a hard inquiry and refusal to manually review the application since it had been rejected based on false information. Discover was put on notice about the misreporting multiple times and their customer service reps could see the illegitimate bankruptcy reporting, yet Discover did nothing about it.
05/07/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 93405
Web
I bought a set of headphones on XXXX on XX/XX/2017 from XXXX seller XXXX for {$XXXX} for a product called XXXX XXXX XXXX XXXX they were high fidelity quality. I won the auction on XXXX and paid through XXXX using my Discover card. When they arrived they appeared to be in good condition except for sound quality. I tried them and they didn't appear to sound as they should have, I tried to reach the seller by XXXX but XXXX shortly after suspended the sellers account and I couldn't get an answer back. I sent a several emails to the seller and I never got an answer and because I didn't use XXXX for credit, XXXX wasn't able to help me because I used Discover Card instead. I contacted Discover Card, made a dispute on the item. Discover Card applied credit back to me based on investigation but about a month later, Discover didn't contact me at all and they took my money back as they claimed when I had to search on their site to find the answer that I didn't return the item. I explained to Discover, the sellers account was suspended and I had no way of reaching the seller, I didn't get any replies back and second, I didn't have a return address on the item either, so how could I send them back anyway besides no way to reach the seller. Third because the item was supposed to work, the seller didn't reply back on sending back either or a shipping label or anything. I told this to Discover disputes department and two I provided snapshots of the sellers account on XXXX was suspended for verification and I had no communication back. Discover didn't provide any decent answer to me, they make it a mystery how they communicate as well. They provide no text or email on the disputes but only file attachments only, no way to tell them but to make a snapshot on a XXXX page on content, make a snapshot of that communication what I want to say to them and send as a jpg file it is a bogus communication effort on their part. For example when I normally use XXXX I use XXXX credit and their department provides all the necessary tools so sellers and buyers can communicate but with Discover card, it is by far the worse way to communicate using only file attachments and three their customer service is really bad to talk to they tell you to use the disputes file to send information but it is so so limited. You dont get a representative or a file number or a department to call or them to call you and etc. For example, you have to go looking on their site to locate the disputes and it isnt easy to use but when you find the information, you find they rejected your claim and no answer either. They tell you will get an answer in the mail, well to get an answer, I got answer with no provided information on their reasons or even the communication of how I can review and also, their letter took 5 weeks to get in the mail. They tell you if you want to continue, you need to file more information, it doesnt make sense and lastly they tell you as a type of threat they have contacted the credit bureaus on your dispute also. I never had a credit card that will treat me like subhuman and make no information available but a mystery investigation like Discover has done to me. Anyway, Discover Card rejected my complaint and they awarded the seller the money on headphones I have that are defective and Discover Card says I need to show information I sent them back, which I explained over and over that the sellers account is suspended and there is no address and way to communicate with the XXXX seller. Also the XXXX sellers account has still not been restored either, it is still suspended. Personally the system that Discover Card uses for disputes is plain awful compared to other credit card institutions, the way Discover responds and handles their disputes with their customers is not only bad but they have hundreds of negative online reviews about them from prior customers claiming the same thing. Seriously, how can Discover accept me to send an item back without a return address, no communication from the sellers from emails and their XXXX account suspended? And Discover rejects my claim? The communication at Discover is more than a problem I have witnessed but also something that needs to be addressed how they handle their disputes with all their customers. If this is how they treat me and this is their system of communication, then I am filing a complaint not only on them being unfair to me but also they have corrupt disputes department because this is not just awful but is it a system of denial without merit on their part. It is credit card corruption as I don't trust Discover Card, I think they misled people and they take advantage of their customers as I witnessed.
10/03/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • TX
  • 77007
Web
Hello, I am not a Discover Credit Card account holder but an account was opened under my name. The account number is XXXX. I have encountered a deeply troubling issue that has persisted for an extended period, despite my numerous attempts to seek resolution through your customer service channels. I am writing to request your immediate intervention and assistance in rectifying this matter. In XXXX, a Discover Credit Card account that had been fraudulently opened in my name. The address associated with this account was in Georgia, a location I have never resided in nor have any connection to. However, this discovery was only the tip of the iceberg. In XXXX, as I was in the process of cosigning a student loan for a sibling, I discovered a multitude of fraudulent accounts on my credit report that did not belong to me. Alarmed by this, I promptly contacted the credit bureau to gather additional information. It was during this investigation that I learned the extent of the identity theft that had occurred. To address this serious matter, I followed the recommended course of action and filed a police report with the Georgia police department, where the initial fraud occurred. I then proceeded to diligently engage with each of the creditors connected to these fraudulent accounts. In each case, I provided accurate information pertaining to the identity theft. My efforts to resolve this issue with XXXX Credit Card began in XXXX when I contacted your company to explain that I had fallen victim to identity theft, and I had not opened the Discover Credit Card account in question. I promptly submitted an identity theft report and cooperated by providing any requested documentation. To my surprise, within a mere 20 days, I received a letter from Discover stating that, according to their investigation, the account was considered valid, and I would be held responsible for the outstanding balance. The situation took a disturbing turn on XX/XX/XXXX, when I received a letter from the Department of the Treasury Internal Revenue Service ( IRS ). The letter revealed that my personal information had been used to access IRS online services. The IRS urged immediate action and contact if I was not the individual attempting to access my records online. I immediately contacted the IRS and was informed that someone had been accessing my account for a considerable duration, using an IP address located in XXXX, Texas. Furthermore, this same individual, with access to my personal information, was responsible for opening the fraudulent account in Georgia. The IRS agent took immediate action to block my account and informed me that I would need to contact them to have the block removed. Additionally, I was advised to file another police report in Texas and to complete an Identity Theft affidavit with the IRS, sharing copies with all affected creditors. On XX/XX/XXXX, I once again contacted Discover Credit Card to reopen the dispute regarding the fraudulent account. I submitted an updated Identity Theft report, a new police report, and an affidavit from the IRS. Discover informed me that it would take 90 days to review this information. However, on XX/XX/XXXX, I received a letter from Discover Credit Bureau XXXX, indicating that they had concluded their investigation, determining that the account was valid, and asserting my responsibility for the balance. It has now been more than XXXX years since I first discovered this fraudulent account, and I have diligently pursued its resolution. I emphatically maintain that I did not open this account, and I have provided all the necessary documentation and information to support my claim. However, I am increasingly concerned that Discover Credit Card 's investigation process does not align with its claims. In my pursuit of clarity, I contacted the XXXX Police Department to inquire whether Discover Bank had initiated an investigation with them. I was informed that no such investigation had taken place. This discrepancy raises questions about the thoroughness and legitimacy of Discover Credit Card 's investigation procedures. I now urgently seek the assistance of the XXXX XXXX to escalate this matter to the highest level within Discover Credit Card. It is my fervent hope that your intervention will lead to a fair and just resolution, finally relieving me of the unjust burden imposed by this fraudulent account. I implore you to investigate this issue thoroughly and ensure that all necessary steps are taken to rectify this situation promptly. Thank you for your immediate attention to this matter. I eagerly await your response and guidance on how we can proceed to rectify this deeply distressing situation.
04/06/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Privacy issues
  • IL
  • 60607
Web
On XXXX, I was pre-approved for a credit card with Discover. After applying, they pulled my credit report ( from XXXX, perhaps others ) but I was not immediately approved. On XXXX, I was approved for a credit card with Discover after they finished verifying my identity by calling me ( credit limit : XXXX XXXX ). On XXXX I received an electronic IRS Form 4506-C requesting tax returns ( XXXX ) for XXXX and XXXX Note that the email i received for the XXXX stated that " Discover Financial Services requires your consent to receive tax information from the Internal Revenue Service ( IRS ) to verify information on your account. " -- this would be for verifying information they already have about me : name, SSN, address, phone, income. Since identity was already verified in order to open the account ( name, SSN, address, phone ) via my credit report and calling me, this only leaves income. The email noted that " a temporary hold has been placed on [ my ] Discover card account '' and instructed for me to provide my electronic consent " within 5 days '' or my account would be closed. ( which would negatively impact my credit report ) On XXXX after receiving the form I called the provided number ( XXXX ) for Discover Customer Protection Services Since my identity had already been verified when I was approved for the card ( called me on the provided phone number, pulled credit report and matched addresses / phone numbers etc ) this form must have been to verify my stated income. On the application, I stated my current annual income, which has drastically changed since XXXX. Therefore, the XXXX tax returns would not provide any useful information ; on the contrary, they would likely bring up a discrepancy between stated income on the application vs the returns. On XXXX during the call I informed the representative of this ; they responded repeatedly that it would not be an issue. I asked for an email confirming that it would not be an issue, but they were unable/unwilling to do so. At this point I asked if the rep 's supervisor might be able to, upon which I was transferred to their supervisor. I repeated my concerns to the supervisor ; she was unwilling to answer whether or not this would be an issue. According to her, in the past, there have been cases where customers consented to disclosing tax returns and then had their accounts closed without an opportunity to provide alternate documentation. I expressed that I wanted to avoid this ( as it would unfairly reflect negatively on my credit report as account closed by guarantor ). I asked for alternative methods of verifying income. ( XXXX XXXX, XXXX tax returns, paystubs, banks statements, signed form, etc ) including a XXXX tax return via the same Form XXXX on paper, consenting to disclosing XXXX tax returns. IRS Form XXXX says that it " must be received by IRS within 120 days of the signature date '' which leaves plenty of time for me to file my XXXX returns ( due XXXX ) and for XXXX to request it from the IRS. I offered to have them leave the hold on my account until they were able to complete verification. However, the supervisor informed me that they " must '' complete the process withing 42 days of starting the verification process -- ( XXXX -> XXXX ) which conveniently brings them to 1 day after the deadline for filing XXXX tax returns. I brought up that exactly 42 days seemed like an odd time-frame. The supervisor informed me that I would have go " find out '' if Discover would offer me alternative methods of proving my income after consenting to release my XXXX tax returns ( which would not help verify anything ). She advised that I close the account and reapply towards the end of XXXX, when they would probably be accepting XXXX tax returns to verify income via XXXX. I closed my account on the call. No other creditor has asked requested my tax returns, and I have other cards with significantly higher credit limits than XXXX USD. Discover also failed to provide a privacy policy of any sort stating that my tax returns would only be used for verification of the information they had on file as of XXXX and for no other purpose. In summary, due to a combination of ( 1 ) Discover 's negligence to verify income before approving me and ( 2 ) their disregard for privacy in requiring disclosure of tax returns irrelevant to verifying income ( or anything else ) while refusing alternative verification methods, I have been forced to close my newly opened account, which still unfairly negatively reflects on my credit report ( conventional scoring models such as FICO 8 use average age of accounts, # of new accounts, etc as significant factors ).
10/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TN
  • 38109
Web
This issue has been ongoing for the last past 10 months with Discover Bank, I initially called them to provide my up to date address, they informed they couldn't have two addresses on file, I made them aware I have a new address ( PLEASE PULL THE CALL ) and provided that information, they never did change it. That's a violation of the Fair Credit Billing Act, by law they CAN NOT send a bill or statement to the incorrect address, in XXXX I still didn't receive my statement which is one reason the inaccurate late payment has to be DELETED! In addition to that, I'm requesting that all calls from to the agents is submitted to the CFPB and me so that it can prove how deceitful, inaccurate, unlawful, and unfair this company is reporting this late payment on my report. I have small payments that automatically is sent to Discover which wouldn't take care of the minimum due but the smaller payments knocks the balance down so I know to call to make the rest of the payment or pay online. This specific time an agent contacted me to set up a payment to cover the remainder balance which was a little over XXXX or XXXX. I set up the payment and the rep verified it was the same Bank information that I use to make the automatic smaller payments I stated yes! ( PLEASE PULL THE CALL ). A month after, I still hadn't received any statements in the mail. But I get an alert that there is a late payment on my Credit Report. Remind you, I do not have any late payments on my credit report and I have 4 other major credit cards with 9+ years of on time payments. I called Discover to speak to a rep about it, I was on the phone for over an hour they couldn't seem to understand why I had a late payment. They saw that the information I provided was correct and they stated, " Oh the rep didn't process it as an ACH payment ''. So I then filed a complaint and sent in my banks statements showing the day for the amount to be withdrawn, it was never TAKEN OUT! My bank statement also showed that I had funds in that account that day and days after, they didnt not attempt to withdraw funds to take care of the payment. Horribly enough, I still hadn't received my statement to the correct address! I called multiple times, after that, spoke to multiple departments. No one had an answer to reason why that happened an why they would report it late. They only apologize for the inconvenience. They were so confused to the point I ended up getting the FICO 1800 number to Discover to speak to a rep there and they gave me the run around as well. Discover Bank is fraudulently reporting this late payment. In addition, they updated my payment history, month after that they reinserted it back. By Law, they have 5 days to notify me in writing due to I disputed it in writing as well, to reinsert that back on my credit. They fail to do that as well. They are CROOKS! They're trying to make money off of any derogatory marks on consumers reports! I have proven to them everything via email, mail in writing, and over the phone. The last complaint I just submitted their results stated they didn't have my new address on file nor did they have any information about the new address, guess what? They even sent mail to that address. I YET AGAIN HAVE PROOF. I will attach that DISCOVER BANK MAI L SENT TO THAT ADDRESS as well. They're lying about every damn thing and I'm proving them wrong each and every time and I'm requesting all calls and information I provided. I will make the media aware if anyone has any similar issues or issues pertaining with Discover Bank to come an file a complaint online to the CFPB so that you all will look further into this and I guarantee it will end up in a Class Action Lawsuit because the mistakes their employees are making, they are making consumers suffer and be held accountable for THEI MISTAKES!. This inaccurate late payments has to be removed by law and following all the information I provided. This is unfair and deceitful practice. I'm now seeking attorneys to start litigation process. I have all my phone calls recorded and Im requesting that they send me what they have. I'm not going to stop until that stop onaccirately reporting my late payment. I will majke sure I will be an advocate and have everyone to file a complaint to make you all aware of the practices of Discover Bank. There are plenty of their employees that want to be whistleblowers, but they're too afraid to lose their jobs! Please investigate their practices. Ive asked over and over for them to stop with this late payment thats inaccurately reporting. I'm now Mandating this to be removed per the Fair Credit Reporting Act and the Fair Credit Billing Act.
02/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30342
Web
To Whom It May Concern : Re : This was not sent in error, not a material misrepresentation, and If you have a record that the information below is inaccurate please have a senior executive from your company certify under the penalty of perjury to its accuracy. Be advised : I consider all information associated with me including but not limited to my name, accounts, addresses, phone numbers, and associated identity numbers as well as numbers, characters, and/ or similar symbolic arrangements to be personal, confidential, and uniquely mine ( copyright attached ). As such, arrangements must be made with me to use or store such information. Any permission and/ or authorization you think you may have had regarding the use and/or storage of such information is hereby revoked and a new agreement is constituted beginning this day. After numerous attempts to resolve this issue with XXXX XXXX, XXXX, and XXXX ( CRA ), certain information is still being " validated '' " certified '' " verified '' after the primary investigation and reinvestigation. This has been causing me undue anxiety, I am distressed due to the adverse information being reported to the CRA, and this distress related to an inability to move forward in commerce and hindering my ability to move forward in my business affairs affecting my livlihood. Under Federal Law, I, the consumer, have rights regarding the reporting of information in my consumer report. My name continues to be reported incorrectly... Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. and the information associated with it is causing me significant harm. All of which continues to be verified, updated, and reported to the CRA. I DO NOT consent to the use of my name in any way, nor did I provide written consent for the use of my name ( see attactched copyright ) - 17 USC 501 Infringement of Copyright ( b ) The legal or beneficial owner of an exclusive right under a copyright is entitled, subject to the requirements of section 411, to institute an action for any infringement of that particular right committed while he or she is the owner of it. ( see attatched ) You are hereby advised that you DO NOT have my permission to store information regarding me or information attributed to or about me. Therefore, you are hereby ordered to remove and purge any such data or information from your filing systems Any permission, right, or privilege you think you may have had to store information or data regarding me is hereby revoked. 42 U.S. Code 408 ( a ) ( 8 ) ( 9 ) Penalties ( a ) In general Whoever ( 8 ) " discloses '', " uses '', or " compels the disclosure '' of the social security number of any person in violation of the laws of the United States ; or ( 9 ) conspires to commit any offense described in any of paragraphs ( 1 ) through ( 4 ), shall be guilty of a felony and upon conviction thereof shall be fined under title 18 or imprisoned for not more than five years, I DO NOT consent nor give written authorization for the use of my personal and private information 15 USC 1681b ( a ) ( 2 ) ( a ) In general : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermenre, the FCRA protects, me, the consumer from adverse information being in my consumer report. 15 USC 1681c Section ( a ) ( 5 ) ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) ANY other ADVERSE item of information, other than records of convictions of crimes which antedates the report by more than seven years. UCC 2-209 Recession of Contract You are entering a binding contract and a new agreement is constituted beginning this day. You are hereby granted permission to use and/or store such information and/or data while you compensate me at a rate of {$5000.00} per month due and payable on the first day of each month, plus a two percent monthly interest rate on monthly unpaid balances, plus {$500.00} per occurrence late charge, plus a {$1000.00} billing fee. You will send a notarized agreement and payment to the address below. Payable by Cahsiers Check to XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Failure to send agreement and payments beginning XX/XX/2023 makes the use of any of my personal information an infringement of copyright and legal action will be sought.
02/18/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OH
  • 444XX
Web
I originally obtained vision insurance via XXXX through XXXX. They automatically renewed the policy which I never was given notice of being a condition. They did not allow a place to cancel on their home screen. They refused to take my calls and hung up on me when I tried to contact them about fixing the issue. They have engaged in a multi business marketing scam where they " sell '' the policy to third parties. I instituted a fraudulent charge with Discover acct on my account regarding the charge and also the Ohio Attorney General. The AG said I needed to file with the Ohio Dept of Insurance and I filed a complaint there. I also eventually filed a complaint with XXXX the initiater promoting the product. I disputed the charge with Discover. They came back saying they were provided with audio recording I agreed to be charged the money and were closing the dispute. Not allowing any verification or further investigation. The Ohio Dept of Insurance finally tracked down the company ripping me off in the multi company scam, who sent them documentation saying they had cancelled the policy due to non payment in XXXX, yet Discover had reversed, then re-instituting the charge saying they found in the merchants favor because I had no physical documentation at the moment. I sent them additional evidence the policy said it had been cancelled and they said it was irrelevant. The Insurance responded to the Ohio Dept of Insurance in XXXX saying they had cancelled the policy, a credit was issued to my credit card a second time. Then it was recharged a third time. This time I had documentation from the ODI saying they were told the policy was cancelled and not in effect. Notification from the Insurance company the policy was not in effect. The ODI said the company was in compliance and they were closing the complaint. I messaged them back saying the money had been credited to my account a second time, then re-billed a third time. I have not received a response. The CC company claims they did not need to do a second investigation with no evidence they deemed relevant, though they found in the merchants favor on the first dispute and the second credit and rebill was issued after that time, which they are now saying is due a second dispute, which they had claimed at the time they refused to initiate for lack of evidence. I have since provided them with the Insurance companies assurance the policy was cancelled for non payment. The ODI 's response they had cancelled the policy and I was not charged ( the second credit ) and then was rebilled. Discover is now acting in an obstructive manner, hanging up on me twice and refusing to process and acknowledge the evidence the charge is invalid, in spite of the ODI 's evidence the Insurance company telling them I do not have an active paid policy ( hence no charge for {$220.00} ). Yet they refuse to refund/credit the {$220.00} the third time. Before hanging up on me the second time on XX/XX/XXXX, Discover 's agent XXXX said they initiated a second investigation and were the ones who made the charge back a second time, not the insurance company though I was told there was no evidence for them to pursue a second review the second time I called in to dispute so why would they have issued the credit. It appears the Insurance did so to be able to claim to ODI the policy was cancelled and avoid sanctions and the credit does not reflect it being a dispute, so they could claim to the ODI I had no active policy, which was what the complaint was about. At the second time I tried to dispute with Discover, the only thing I could send them were multiple emails saying the policy was cancelled for non payment. They took the position the emails were after the billing date so meant nothing and thus there was no reason for a second dispute. They have refused to initiate a in XX/XX/XXXX a second dispute after I could provide all the documentation from the ODI assuring the insurance company informed them the policy was cancelled, not in effect and they were closing the complaint because the insurance company says they complied with all laws along with a notice form the insurance company sating the policy was cancelled. They've now resorted to hanging up on me at Discover, refusing to acknowledge they have a posted charge of {$220.00} they refuse to refund, for a policy the ODI and the insurance company both insist is not active. I want my money back and Discover censored for committing fraudulent activity on my account and refusing to credit my money back. They are refusing to initiate a third ( second ) dispute now that I can provide written documentation the charge is invalid.
06/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 93535
Web
Paid for XXXX XXXX Hour Certification training with XXXX XXXX on XX/XX/2022 for {$990.00} with my Discover Bank Debit card. When you click on launch course it is a different course called XXXX XXXX which is the other certification program that significantly less. The course also has the same quiz with the same answers throughout the course, which a student can not learn. I was not able to finish the course because I noticed the errors and wrong course assigned from what I paid. I sent emails and contacted them for assistance, XXXX XXXX XXXX XXXX, to no avail. I have never received an acknowledgement of my email, nothing. When I called, the representative asked if anyone responded I said no. They kept referring me to the following email address, which is the same email address I have been using to get information. I am limited on time and the original course I purchased is done in XXXX XXXX - four days. The point is no one contacted me, nor assisted me. I found out the company is fraudulent is a scam having a different course with so many issues than what I paid for. I requested for a refund because they did not provide the promised product, service and assistance for what I paid. I gave them until XX/XX/2022 to respond again. As of XX/XX/2022, I still have not heard from the company. This was a classic bait and switch strategy. I had a feeling the company would not respond, on XX/XX/2022 I contacted Discover Bank to seek assistance in receiving my money. I wanted to file a dispute. The first agent told me it sounds like a valid claim, but had to transfer me to the dispute department. The rep told me she could not help because it does not fall under Regulation E and I authorized the payment. I told her I did not authorize fraud. I did not find out it was a fraudulent company with false promises until after. She kept invoking regulation E without explanation. I requested to speak with a supervisor and he kept invoking regulation E. Both reps told me to contact the XXXX XXXX XXXX In fact, the first agent said, if you threatened with filing a complaint, " I am sure you will get your money back. '' I said, I can not believe this. I kept telling them I have documentation, but they still refused to even open a dispute claim. I researched regulation E and it is a guideline for banks to follow, not mandatory. Most banks go above and beyond to assist their customers, especially with a case like mind. My case is a valid dispute claim under fraud and scam. On XX/XX/2022, per the Discover Bank representative and the supervisor with, I contacted the XXXX XXXX XXXX. As expected, the company has not responded to the XXXX XXXX XXXX. In fact, XXXX XXXX is in delinquent status with the state of Colorado, the state they are registered with. I also contacted the Colorado Attorney General 's office too, but there is no guarantee they would look at the case because they are backed logged with cases ( as stated with the email ). XX/XX/XXXX, I contacted Discover Bank was on the phone pleading with a rep and she kept invoking regulation E and XXXX is my only option. I told her the problems they were having and how I found out that this company has done the same to others across the country, and they are not a member of XXXX. I asked for a supervisor again, I was on hold for a while. I got a supervisor and told her the story, then we got disconnected. I tried calling back hold, then tried to find a supervisor for 25 minutes phone disconnected. XX/XX/XXXX- tried calling back, to no avail. Nobody responded. XX/XX/2022 - tried calling back on hold for the dispute department, went through, but was disconnected again. Called two more times, told the story and was being transferred to a supervisor named XXXX. I was in the middle of telling my story and we were disconnected again. Called back and spoke to a representative and she said she wish she could help but could not because it is not authority. She said, there is a message from XXXX that our phone was disconnected that his computer crashed during our conversation. She said she sent him a message to call me back, to no avail. I am still waiting for his call. What is disheartening is that after Discover Bank kept hanging up on me, no one tried to call me back. This is even after each rep confirmed my phone number just in case we get disconnected. Another issue, they would not even open a dispute claim to conduct an investigation! I told them I have documentation and they still refused. Also, I found out the first rep and supervisor put in the wrong reason why I wanted to dispute the transaction. I told the second rep that was wrong.
11/08/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 146XX
Web
I initiated a dispute for a charge on XXXX for {$1600.00} through the online portal ; the dispute date is acknowledged by the company. On either XXXX or XXXX I was granted a temporary credit for the charge pending the investigation. On XXXX I was notified that the charge was determined to be valid and that the credit would be reversed. No communication was received in the meantime. My billing cycle is on the first of the month, meaning that two billing cycles passed after the conclusion of the current cycle at time of complaint, as well as most of a fourth before the dispute was resolved, totaling 109 days if I count correctly. Comment for 1026.13 - Billing Error Resolution Paragraph 13 ( c ) ( 2 ) 1. Time for resolution. The phra se two complete billing cycles means two actual billing cycles occurring after receipt of the billing error notice, not a measure of time equal to two billing cycles. For example, if a creditor on a monthly billing cycle receives a billing error notice mid-cycle, it has the remainder of that cycle plus the next two full billing cycles to resolve the error. 2. Finality of error resolution procedure. A creditor must comply with the error resolution procedures and complete its investigation to determine whether an error occurred within two complete billing cycles as set forth in 1026.13 ( c ) ( 2 ). Thus, for example, 1026.13 ( c ) ( 2 ) prohibits a creditor from reversing amounts previously credited for an alleged billing error even if the creditor obtains evidence after the error resolution time period has passed indicating that the billing error did not occur as asserted by the consumer. Similarly, if a creditor fails to mail or deliver a written explanation setting forth the reason why the billing error did not occur as asserted, or otherwise fails to comply with the error resolution procedures set forth in 1026.13 ( f ), the creditor generally must credit the disputed amount and related finance or other charges, as applicable, to the consumer 's account. However, if a consumer receives more than one credit to correct the same billing error, 1026.13 does not prevent a creditor from reversing amounts it has previously credited to correct that error, provided that the total amount of the remaining credits is equal to or more than the amount of the error and that the consumer does not incur any fees or other charges as a result of the timing of the creditor 's reversal. For example, assume that a consumer asserts a billing error with respect to a {$100.00} transaction and that the creditor posts a {$100.00} credit to the consumer 's account to correct that error during the time period set forth in 1026.13 ( c ) ( 2 ). However, following that time period, a merchant or other person honoring the credit card issues a {$100.00} credit to the consumer to correct the same error. In these circumstances, 1026.13 ( c ) ( 2 ) does not prohibit the creditor from reversing its {$100.00} credit once the {$100.00} credit from the merchant or other person has posted to the consumer 's account. I would also argue that the documentation provided didn't not fulfil the obligations laid out in 1026.13 ( f ). Subsection 1 states : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; The attached document offers no reasoning for it's decision, and is simply a boilerplate letter with documents from the other party attached. From the official interpretation of 13 ( f ) Procedures if different billing error or no billing error occurred : ii. Nondelivery of property or services. In conducting an investigation of a billing error notice alleging the nondelivery of property or services under 1026.13 ( a ) ( 3 ), the creditor shall not deny the assertion unless it conducts a reasonable investigation and determines that the property or services were actually delivered, mailed, or sent as agreed. I contested that the terms outlined in the service agreement were never delivered, namely that the merchant would make every effort to reach a reasonable outcome, and yet when I needed them to make a single phone call they refused. The verbal explanation I was given today ( XXXX ) was that because the merchant had a non-refund clause there was nothing the credit company could do. This flies in the face of the above guidelines that the claim only be denied after a reasonable investigation, determines that services were delivered, and then the results of that investigation be explained to the consumer.
09/24/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33032
Web
When I signed the original promissory note ( which by law is the negotiable instrument and is considered legal tender after the Bankruptcy Act of 1933 was enacted ) for Discover to complete the credit sale, the consumer credit transaction should have been paid in full. According to 16 CFR 433.1, the creditor and the seller got into a business arrangement and gave me a purchase money loan in exchange for a finance charge. According to CFR 433.2, In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. According to 16 CFR 433.3, every seller who has taken or received an open end consumer credit contract after November 1st, 1977 are not exempt from a consumer asserting his rights against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract. So therefore, I am asserting my rights against DISCOVER for goods purchased. According to 16 CFR 444.3, in connection with the extension of credit to consumers in or affecting commerce, as commerce is defined in the Federal Trade Commission Act, it is a deceptive act or practice within the meaning of section 5 of that Act for a lender or retail installment seller, directly or indirectly, to misrepresent the nature or extent of cosigner liability to any person. It is also considered an unfair act or practice within the meaning of section 5 of that Act for a lender or retail installment seller, directly or indirectly, to obligate a cosigner unless the cosigner is informed prior to becoming obligated, which in the case of open end credit shall mean prior to the time that the agreement creating the cosigner 's liability for future charges is executed, of the nature of his or her liability as cosigner. I am competent of understanding I am the cosigner for my principal obligor. I also never received the " Notice to Cosigner '' before becoming obligated. This was also unauthorized use pursuant to 15 USC1602 ( p ). I received no benefit of my credit card being used by DISCOVER. DISCOVER committed aggravated identity theft under Title 18 U.S. Code 1028A on four separate occasions as DISCOVER BANK has knowingly used without lawful authority, a means of my identification in order to compromise my bank account instead of directly communicating with me first about the confusion in how to correctly apply my payment for four separate times. Each case of aggravated identity theft under Title 18 U.S. Code 3571, is a felony and a fine in the amount {$500000.00}. DISCOVER BANK created a false and deceptive form under 15 U.S. Code 1692j. The delivery of a false and deceptive form constitutes mail fraud pursuant to 18 U.S. Code 1341. Pursuant to 18 U.S. Code 1341, whoever, having devised or intending to devise any scheme or artifice to defraud for obtaining money or property by means of false or fraudulent representations, obligation, security for the purpose of executing such scheme or artifice or attempting so to do, places in any POST OFFICE for mail matter to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing that affects a financial institution ( in this matter XXXX XXXX ), such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. I made payment to DISCOVER by way of an qualified indorsement with the words " without recourse '' on the negotiable instrument that was sent to meant to me via mail. According to Uniform Commercial Code 3-415, if I indorse with the words " without recourse '' all liability is off of me. Also, if a notice of dishonor is not given to me, the liability is discharged.
10/30/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • AZ
  • 85013
Web
Called Discover on Monday XX/XX/XXXX because I had authorized a {$5000.00} transfer from an XXXX credit card balance onto Discover 's card, however XXXX was not showing the amount on their end while Discover was. Called XX/XX/XXXX @ XXXX XXXX AZ time, lasting for 20 minutes and 29 seconds. Spoke to three people, first customer service to explain the issue I am having, second the transfer department ( XXXX ) to view what the issue may have been, and finally billing to help put a credit on my account while the dispute is being investigated. I found out that the transfer was for a different XXXX card number account, thus why it was showing as processed on Discover 's end and not XXXX. So we authorized another transfer because I was told I would be getting a temporary refund on the transfer amount while they contact XXXX to get the transfer cancelled. All was seemingly okay until I checked both accounts on XX/XX/XXXX and discovered that I was not in fact issued a refund, the second transfer went through, and so did the first. Called Discover to be told no, sorry no refunds are issued in these disputes and that despite being told they would take care of the transfer issues including any fees, I was now liable for the full $ XXXX amount plus {$300.00} in fees and the case is closed on their end. I was given no recourse, apology, or refund of the first fee amounts as promised. I WOULD NOT have authorized that second payment if XXXX did not lie to me saying that 1 ) this was not my fault and would be resolved with 15-30 days ( 2 ) a refund would be issued within 24-48 hours and ( 3 ) that the second transfer would be the only approved transfer. Timeline : XX/XX/XXXX XXXX XXXX : Had to speak with a representative to approve of application due to security I have on my SS #. Told transfer would be processed with the next few days XX/XX/XXXX XXXX XXXX : Spoke to Customer Service about the issue that XXXX is not reporting a payment despite Discover having been processed. Told I would need to transfer to the Transfer department to look into the issue. Was told by the Transfer department that the account number was incorrect so they issued the payment to someone else 's account at XXXX, and that they will transfer me to billing to get the charges reversed. In the mean time, they would authorize the proper transfer from my actual account which would take 10-15 days. Was then transferred to XXXX in Billing who took my information on how the account was not mine and that she would issue a refund that would show within 24-48 hours on my Discover account. XX/XX/XXXX XXXX - XXXX XXXX : Online Chat with XXXX from Delaware. Told me the dispute is open and there was no approval on that refund. Was told there is nothing they can do to help. He then stop the chat before I could continue, so I had to call instead. XX/XX/XXXX XXXX XXXX : Spoke to XXXX from XXXX XXXX XXXX in Customer Service to go over my concerns on the lack of refund and process of the transfers. Was told there was no provisional credit being applied due to the nature of the transaction, despite being told otherwise days before from several people. Was also informed I was held liable for the full transfer amount and fees since I " authorized '' them. Was told I should call XXXX to get the issue disputed from their end except the transfer wasn't from my account so she wasn't sure what I should do. XX/XX/XXXX XXXX XXXX : Spoke to XXXX and they are now seeing 2 payments for {$5000.00}. Opened a dispute because I did not authorize one of them and they were unable to verify who they came from. Was told to call Discover to get answers and call back. XX/XX/XXXX XXXX XXXX : Spoke to Customer Service at Discover again who transferred me to XXXX in the transfer department to discuss issues. She said both payments were likely from Discover but she will talk to billing to get some answers as the account numbers are still not correct. She spoke to billing for 10 minutes and was told by them to tell me that because it is showing up on XXXX they consider this case to be closed and I have no other options with them. There was nothing they were going to do and my best option was to call XXXX and see if they will refund me the {$5000.00} to pay Discover with. XX/XX/XXXX XXXX XXXX : Contacted Discover via chat and spoke to XXXX again to give them one last chance to waive the first transfer fee and was told again that they could not do anything to help me right now but that I can pay back the transfer amounts and then contact Discover again to see if they may possibly waive the fee.
04/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • NV
  • 89128
Web Servicemember
I XXXX ; XXXX have Tendered payments thereto said Discover as of XX/XX/2019 with proof of service and signatures required signed by all creditors as of XX/XX/2019 when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. It is now 36 days later and I have yet to receive a response. False Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. Discover card never got in contact with me about the Tender of Payment that was submitted to them in fact they closed my account with the credit bureaus causing my credit to go down for a debt that was paid in full. They did so without my consent or acknowledgement, they did not notify me that they were closing my accounts yet they continue to send me bills through the mail. What did you discover do with my money? Why are they still billing me for a debt that is paid in full? Why is Discover debt collectors attempting to call my phone for a debt that is already paid. Why was my account not credited? By law if the Tender of Payment is declined or rejected it must be returned to me along with legal and lawful reasons why they can not accept payment of said type. If it is not returned it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. It is left to be implied due to the amount of time given to said company/bank which is well passed the five day time to respond. Attached are the FDCPA laws. The Corporation or Bank Threatened to Contact Someone or Share Information Improperly - The law : Collectors can call third parties such as family, neighbors, friends or co-workers only to locate the debtor. This debt is in dispute and can not be reported until validated and verified but such was stated that they would report to XXXX, XXXX, and XXXX and others if i didn't make a payment. When they do, they cant reveal the debt without verification and validation, and there are limits on repeated calls nonetheless the call persist. The new law states " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. Therefore all are hereby notified that I XXXX XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. I have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. Rather it has been over [ 36 ] thirty six days and nothing has posted as paid tendered or discharged and this disables me XXXX XXXX XXXX by way of doing business employment and living free. I have the United States Post Office signed forms which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. Rather on the complaint website the Corporation/Bank stated that they have declined payment format. If such the debt obligation is DISCHARGED!
10/14/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 334XX
Web
First, let me say that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and your website is totally inadequate for a XXXX or XXXX XXXX to deal with starting with the password where you dont show what the person is typing in most financial institutions of a band net practice, and show what youre typing in. Its your password if youre XXXX XXXX XXXX and have XXXX XXXX XXXX XXXX you may not spelled right every time its nice to know instead of getting timed out so youre guilty of not being very user-friendly yourself. I hope you can do an adequate job in representing the consumer with these financial institutions because youre not doing an adequate job for that concern Now lets get on with the actual complaint, the complaint against Discover card dispute process, which only allows you four months from the time of purchase. They do have an exception process, which is not well published, and I dont have access to it where you can complain about products purchases, even after four months of the experience extenuating circumstances I think I have such circumstances because Ive been ill since XXXX when I had a XXXX XXXX was shortly after that diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have not been able to keep up with normal functions like complaining about my financial institutions so I want a exception If I do not receive an exception, then I think your process is broken, just like Discover cards, and I will take it to a higher authority like my state, senator and representative, who do care about XXXX because theyre from the state of Florida The transactions and question are from a company called XXXX, which is a start up company trying to filter the plastic pollution out of our drinking water. They were funded by XXXX XXXX a very prominent XXXX television show, and XXXX XXXX very prominent investor invested in them, so I had some confidence that maybe they knew what they were doing and maybe XXXX do what he was doing in investing in his company but I think he made a big mistake from the very beginning, they were impossible to do business with and I tolerated a lot of aggravation, including not being able to get get the website to even work to purchase something for several weeks before parts finally purchasing quite a few products that I installed in my house they have yet to provide adequate proof that they are the best product on the market they say theyve done extensive testing with two universities and they publish the results but no independent Agency that I know of is tested their product and showing that it lives up to their claims. nonetheless, I purchase the product and had trouble with them from the start. They dont have a customer service process that works. You cant get anybody on the phone. Their robot chat capability doesnt work And their promise of a discount for a subscription for replacement filters is broken I cant get on the website and edit it to make it correct I complain about this several times and Ive gotten nowhere with him because you cant talk to you and then they dont have adequate service representatives. I think theyre in financial trouble and are trying to sell as much product as possible to bolster the company at the same time they dont have enough people to actually service their customers And Im not being serviced adequately I wan na returning tire products that I want to be compensated for it. I dont wan na return it and I want to be compensated for it because of the aggravation Ive gone through I dont want to uninstall something that Ive already installed its not fair to the customer. I dont think it works adequately because theres no proof that it works adequately, so I want to dispute all charges that have been made against my Discover card to XXXX starting in the XXXX timeframe of this year during XXXX XXXX XXXX Let me point out here that your website doesnt work adequately Im trying to publish this so others dont get hard by this company and your publish button doesnt work properly. I have a new XXXX so I know its not an XXXX problem. Its a website problem fix it. I complain about this and several other complaints that made nothings been done about it. If youre going to represent the consumer, then do it in an adequate fashion bike by being responsive to problems with your website through other problems that Ive run across in addition to the two that I pointed out already but I wont go on and on because obviously you didnt user tested or tested real customers before you published it, which is a beena The industry and youre part of the bane
05/09/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TN
  • XXXXX
Web Older American
Please note that since my last submissions to the CFPB the following issues below have occurred and are documented via letters below sent to Discover and XXXX drastic lowering of my credit score by 75 points after the XX/XX/XXXX letter was sent to Discover. Based on the current issues, I would request that the CFPB initiate a fine to both Discover and XXXX in the amount of XXXX XXXX ( {>= $1,000,000} ) dollars each. Both Discover and XXXX have acted with similar intent as XXXX XXXX ( {>= $1,000,000} implemented by the CFPB ) which created violations of laws, rule and regulations that were illegal, unethical, or not correct within an organization actions. There appears to be activities within the financial community that are based on greed vs. ethics, laws, rules and regulations. Further, I consider this complaint to be protected under the Whistleblower Protection Act as the conduct on behalf of Discover and XXXX is illegal, unethical, or not correct within an organization. Lastly, I have been included in the XXXX data breach based on my continual efforts to dispute the Discover matter. I have occurred damages in insurance premiums being doubled, lose of a home loan and other credit issues. XXXX XXXX XXXX Discover XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Attn : XXXX XXXX Re : Discover Card account ending in : XXXX XX/XX/XXXX I have received a letter/package from you asking for payment for a FRAUDULENT account and if I am telling you to stop reporting it as disputed. The attached letter to XXXX XXXX XXXX, XXXX, adequately explains my position on this matter. Further, XXXX will not show or report your fraudulent claim and since notifying XXXX XXXX XXXX, XXXX, XXXX has increased by credit score by over 58 points and XXXX over 75 points at one time. Based on the above, I believe you will not be able to provide evidence to the court ( s ) that would relieve your liability for FRAUD, EXTORTION, BULLYING and most likely HARASSMENT. Based on your previous actions, asking you to stop reporting it as disputed, would be a wasted effort, as damages have already occurred. Best regards : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX, XXXX XXXX Re : Your File No.XXXX XX/XX/XXXX Please be advised that since my last communication with your office on XX/XX/XXXX ( see below in RED ), I have requested an investigation into extortion against Discover through the Consumer Financial Protection Bureau ( CFPB ). Currently the CFPB has closed the case and referred it to the Federal Trade Commission for federal and state law enforcement action. I am still awaiting the results of law enforcements investigation, however I still have time under the statue of limitations to file a civil complaint. I still maintain an address in XXXX, however that address is not listed on any of the statements or consumer agreement pamphlet in the recent package received on XX/XX/XXXX. On some of the statements the address is XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, this should be sufficient evidence of a fraudulent issue. Please note the information package recently received was requested in the CFPB complaint with both XXXX and XXXX filed around 6 months ago. In addition to my request for an extortion investigation, I made a request under the Fair Credit Reporting Act ( FCRA ) for an executed contract between Discover and myself. That was never provided in my earlier requests, and in the recent package sent I only see statements and a consumer agreement pamphlet, not executed anywhere. Why was this information sent to me now via your company, verses complying with the XXXX and XXXX complaint to the CFPB? Further, XXXX stated the request for an executed application/agreement was not specific, however Discover is now attempting to comply with the request in the CFPB complaint, with non-executed information and fraudulent statements. I consider your continual collection activities conspiring with Discover on this matter and if you conspire and drive the robbers to the bank, the only difference is the amount of time in prison. XX/XX/XXXX Please be advised that the above file No. XXXX and account with Discover Bank is on its third dispute with the Credit Reporting Agencies ( currently XXXX ). Based on the dispute and the fraud alerts on all three ( 3 ) Credit Reporting Agencies, your current collection activities are in violation of the FCRA. Failure of Discover Bank to remove this account from my credit file will be addressed with the FCRA. Best regards : XXXX XXXX Past CFPB complaint ID : XXXX/Discover XXXX XXXX/Discover XXXX
12/05/2023 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Problem lowering your monthly payments
  • PA
  • 19152
Web
On XX/XX/XXXX I called Discover seeking to reconsolidate my loans that are currently being serviced by them. I wanted to switch from a Variable rate to a Fixed rate in order to lower my interest rate and lower my monthly payments. I have been a loyal and responsible customer of this company for a significant number of years. Over the phone, I listed off information requested by the customer service representative including my current income, and agreed to a credit check. After punching in a few numbers, I was hastily denied private loan consolidation and refinance. When I informed the customer service representative that my estimated credit score, which I had checked before I called, was at XXXX, she stated that my credit score was not the problem, instead it was stated that my income is " too low '' to qualify for consolidation and refinance and thus a lower monthly payment. At the end of the call, I was informed that I would receive both a letter in the mail and an electronic letter informing me of this. I was told that the electronic letter would the available to me after 24 hours. 24 hours has come and gone, and I have yet to receive an electronic version of the letter. As I am stuck in a Variable rate loan, my monthly payments regularly increase. My latest payment was on XX/XX/XXXX and was for {$630.00}. This is a large increase from the last XXXX years- my payment from XX/XX/XXXX was for {$580.00} and my payment from XX/XX/XXXX was for {$510.00}. These are enormous increases in short periods of time. The fact that the reasoning behind my denial was that my income being too low strikes me as very strange and quite frankly, predatory. Since I currently pay {$630.00} a month with my current income, I fail to understand their claims that I would be unable to make a lower monthly payment. My thinking is that Discover wants as much money from me as it can get, and as quickly as possible, because during my phone call I was informed that I have " only 66 months left '' on my loans. I do not see how that could be true when my balance continues to increase- on XX/XX/XXXX my total balance was {$36000.00}. As of today, XX/XX/XXXX my total balance has increased overnight to {$36000.00}. As of XX/XX/XXXX, per payment I pay {$400.00} in interest and only {$230.00} in principle. Surely if I am able to make such astronomical payments on my current income, I would be able to make an even lower monthly payment on that very same income. I am not looking for anything other than refinancing my loans in order to lower my monthly payments so that I can continue to better my life and my journey to financial freedom. But Discover seems to want to keep customers stuck. I had no reason to believe that I would be denied, especially since I had received letters from Discover stating my eligibility for Cosigner Release on both XX/XX/XXXX and XX/XX/XXXX, which attests to my positive repayment history. So now that I have been denied, not only I am left in the same financial hole with Discover, I believe I also now will have an inquiry on my credit. This is the second time that I have been denied private loan consolidation by Discover- I was previously denied XX/XX/XXXX. At that time in my life, my salary was much less than I currently make, and the reasoning behind the XX/XX/XXXX denial cited on reason which was " Collection item on credit file '' and nothing at all about my income being too low. So the fact that the reasoning behind my XX/XX/XXXX denial is that my current income is too low is even more suspicious to me. It seems as though since my credit has been in great shape ever since my prior attempt at reconsolidating, Discover is reaching for any excuse to deny me the opportunity to consolidate and refinance for a lower interest rate and monthly payment in order to continue to receive a huge amount of money from me at a fast pace, since I make my monthly payments faithfully on time and in full. Discover services my XXXX private loans. On those loans I pay the following interest rates with my current salary- 9.250 %, 12.000 %, 15.000 %, and 15.250 %. On the Discover website, their Fixed rates offer interest rates of XXXX %. If I am able to pay the aforementioned interest rates with my current income, I don't see why they claim that my current income should hold me back from an interest rate in the 5.99 % XXXX % range. Plain and simple, I believe that Discover wants as much of my money as possible and as quickly as possible. Discovers website claims that " We Are Here To Help! ", but that has yet to be seen by me.
08/26/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 75189
Web
On XXXX, Customer opened a dispute with credit card, Discover for the amount of {$120.00}, merchant, XXXX. On XXXX, Customer ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, advertised cost {$110.00} from subsidiary merchant, XXXX. XXXX, XXXX, XXXX XXXX and/or merchant ) authorized order from customer and XXXX XXXX XXXX, confirmed order and confirmed charge customers credit card, Discover Card for in the amount {$110.00} plus {$7.00} tax, for a total charge of {$120.00} ( as referenced under XXXX XXXX XXXX ). - Exhibit XXXX, XXXX, at XXXX PM, Order Confirmation from XXXX On XXXX of XX/XX/2021, customer cancelled order when merchant XXXX XXXX XXXX changed delivery date to XXXX instead of XXXX. - Exhibit XXXX, XXXX, at XXXX PM, Order Cancellation Confirmation On XXXX, XXXX and XXXX cancelled order before shipper could deliver the merchandise, the merchandise was returned back to XXXX XXXX XXXX. XXXX requested if customer could receive {$120.00} minus {$17.00} for shipping costs? However, customer denied request because XXXX did not fulfill their obligation to the customer. Customer rightfully requested a full refund in the amount of {$120.00}. - Exhibit XXXX, XXXX, at XXXX PM, XXXX : Message from XXXX Customer : Request Refund, XXXX On the XXXX, merchant XXXX indicated that merchant XXXX issued a refund of - {$110.00}, for the order XXXX that was cancelled on XXXX. - Exhibit XXXX, XXXX, at XXXX PM, An adjustment for your recent XXXX order XXXX - Exhibit XXXX, XXXX, at XXXX AM, An adjustment for your recent XXXX order XXXX Unexpected to customer, XXXX XXXX XXXX only refunded customer a partial credit of {$110.00} instead of {$120.00} that customer and merchant agreed upon. XXXX, customer contacted XXXX and XXXX requesting merchants cooperation for complete refund for {$120.00}. The following day, XXXX and XXXX indicated that a full refund would be issued and an additional {$7.00} would be refunded to customer in XXXX days. - Exhibit XXXX, XXXX, at XXXX AM, Your Message was sent to XXXX : Request Refund, XXXX - Exhibit XXXX, XXXX, XXXX AM, XXXX : Message from XXXX Customer : Request Refund XXXX However, after 3 days merchant did not refund the full amount as promised. Therefore, customer followed up with merchant. According to XXXX, XXXX indicated that XXXX failed to issue the remaining credit of {$7.00} and that XXXX opened a dispute claim with XXXX, under case number is XXXX. - Exhibit XXXX, XXXX, XXXX AM, XXXX : Message from XXXX Customer : Request Refund, XXXX PLEASE NOTE THE FOLLOWING : XXXX years prior to this incident, a class action lawsuit was filed against XXXX under, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX XXXX XXXX. Mo. ). As a result, XXXX proved that XXXX XXXX failed to comply with Federal statutes regarding fair trade for consumers and illegally kept monies that were due back to customer/s from merchandise return/s and/or exchange/s. The plaintiff, XXXX argued that when customer/s purchased an item from XXXX through a subsidiary merchant, the subsidiary merchant collected the money as advertised and an additional tax charge was collected by XXXX from customer/s. As customer/s returned the item/s under terms and/or conditions of the online purchase agreement, the customer/s was rightfully entitled to a full refund that includes any tax and/or shipping charged from XXXX. The subsidiary merchant would refund the base price however it was discovered that XXXX stores illegally withheld the tax charge/s owed to the customer/s and failed to refund the customers tax charge/s and therefore breached terms and conditions of the agreement and violated federal and state sales practices, and federal trade laws. - Exhibit XXXX, XXXX XXXX, XXXX. # : XXXX, Filed XXXX - Exhibit XXXX, XXXX XXXX Representing Plaintiff, XXXX XXXX XXXX XXXX XXXX XXXX {>= $1,000,000} Class Action Settlement Hence, in this case, XXXX violated customers rights by keeping customers {$7.00} charge for pre-tax. XXXX, XXXX is in violation of a court order agreement, under case XXXX v. XXXX XXXX XXXX XXXX and violating customers rights and in violation of sales practices and federal trade regulatory statutes. Customer is asking for XXXX to refund {$7.00} back to customer to complete the entire refund for an order that was cancelled and not delivered to customer. XXXX is in violation of a Supreme Court order filed on XXXX, under XXXX v. XXXX XXXX, Case XXXX, Doc. # : XXXX. XXXX XXXX XXXX, has violated customers rights and XXXX XXXX XXXX, is illegally withholding customers refund of {$7.00}.
03/01/2019 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • NJ
  • 078XX
Web
On Tuesday XX/XX/XXXX, I was notified by my bank that a hold/freeze was placed on my account. I was given a phone number to contact ( which was to XXXX, XXXX & XXXX XXXX, XXXX ), but not given any specifics as to why the funds were on hold, but that there was only a legal hold and that my bank must honor it. All of the funds in my account were placed on hold and I am still currently unable to access any of them. This includes funds I need to pay for child support as well as my rent and life saving medication. It is important to note that I have never been in contact or received any communication from this firm. I currently reside in New Jersey and the firm operates and somehow obtained a Judgment against me in Pennsylvania. I contacted the firm immediately to discuss the file. I was given no details as to my account and was told that I must give them my full social security number in order for them to look up my account. Having no choice, I agreed to their demands. They located my account and gave me an office file number. I was then transferred to a department and was promised that if it went to voice mail that I would be called back immediately. I called the office twice each day for 4 days. Each time I was told that no one was available to take my call and each time I was transferred to a voice mail. In the interim I did some research as to what had happened with my account. A judgment had been filed on XXXX and was subsequently entered against me on XXXX. There is no information regarding service of the Summons and Complaint ( I have attached the court paperwork. At the District Court level is always available on the website ) When I inquired with the court as to the service, they would not give me the specifics as to the service, but that it had allegedly occurred on XX/XX/XXXX, which would be on a Sunday, and 2 days after the Judgment had been entered. I again reiterate that I live in NJ and did not receive any of this paperwork that was allegedly sent almost a year ago. I also finally was able to find out on my own that this was for a Discover Bank file. The office has not given me any information as to the account, including balance owed, date of charge off or any other information. I have not received a letter of acknowledgment as of yet that is supposed to be sent ( In accordance with the FDCPA ). On XX/XX/XXXX, I was finally able to speak with attorney XXXX XXXX with the firm. He did not provide me with any account information as to what their office was collecting for or any information as to the status of my case. I was not given the XXXX in any of my communications with the firm, including when attorney XXXX XXXX spoke candidly about my account information. Other than in my original communication with the office did they confirm any right party contact information. I was never asked my name in any calls, despite them speaking candidly about my account and actions taken. When speaking with XXXX XXXX at XXXX XXXX on XXXX, I informed him of the situation regarding me never receiving documentation, and living out of state. I also explained that that I believed the Judgment was invalid as service was not made prior to Judgment being entered. If I was in fact served, I would have not had a chance to respond accordingly. XXXX understood the situation and stated that he or someone in his office would contact the court and call me back promptly. I advised that I needed to have this resolved today as I have had no of my funds available now for 4 days. He vowed to look into it and have someone reach back out immediately. I did not receive any calls from them after that. I called their office back at XXXX XXXX on XXXX. I again spoke with XXXX and asked for an update. He advised me that he never reached out to the court. He also stated he did not know how much was on hold, but they were proceeding and that I could file whatever paperwork I deemed necessary. I again reminded him that they had never contacted me and advised him that I believe that they are trying to collect on an invalid Judgment and possibly the wrong person. He did not seem to pay any mind to that and said they intend to proceed. I asked if there was any other way we could resolve this and he declined. As a final note, I was never made aware if this firm had been recording my calls. If they were I would not have spoken with them and specifically not given my social security number over the phone with them. In Pennsylvania the opposing party must advise and confirm that the other party is ok with the call being recorded.
01/31/2019 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • MD
  • 21158
Web
I paid my loan bill which should have covered six months but then the loan services changed to a different handler and suddenly I was told I was behind. I then paid over 1200 dollars so I was ahead two more months. Suddenly I and my co-signer receiver received a note that within 30 days I would be in default for non payment. When I called Discover they told me they did not get my payment I immediately sent copy of the bill pay and proof it came out of my account. Then I received the following email below. ( 1 ) I called again on XX/XX/XXXX and was told they still could not find my payment. They asked for my bank statment and that I had to pay XXXX that evening or I would be in default. So despite my large payment and proof I had to pay even more. And I sent statement. I then got a second email today still not agreeing that I made a payment. And had to send more proof. I am turkey worried it will never be resolved. 1. Call us immediately at XXXX to bring your Discover Student Loans account into good standing. Your total amount past due is {$610.00}. All of our previous attempts to resolve the delinquency on your account have failed. If you do not pay at least {$130.00} within the next 72 hours, your loan will default. Past Due : Minimum Due : Loan 18 {$610.00} {$130.00} Total : {$610.00} {$130.00} We want to work with you, and may have additional payment options, but it is imperative that we hear from you today. Call us immediately at XXXX. Our business hours are : XX/XX/XXXX - XXXX XXXX. - XXXX XXXX. ( ET ) XX/XX/XXXX - XXXX XXXX. - XXXX XXXX. ( ET ) XX/XX/XXXX - XXXX XXXX. - XXXX XXXX. ( ET ) XX/XX/XXXX - XXXX XXXX. - XXXX XXXX. ( ET ) Please disregard this e-mail if you have already scheduled your payment. Sincerely, XXXX XXXX Director of Operations Discover Student Loans Phone : XXXX This is an attempt to collect a debt and any information obtained may be used for that purpose. 2.Thank you for your recent correspondence to Discover. To ensure your concerns are properly addressed, your email has been forwarded to my attention at the Executive Office of Customer Advocacy within Discover. We appreciate you bringing your concerns regarding the payment you sent in the amount of {$1200.00} on XX/XX/XXXX through your bank. We would like to thank you for the payment you made on XX/XX/XXXX for {$140.00} to prevent the default of the loan number ending in XXXX. According to our records, you spoke with our repayment assistance department on XX/XX/XXXX, and was advised that in order to better help us locate the payment quickly, please provide the following information based on your payment method : Check : Please send a front and back copy of the cashed check or other documentation showing a check cleared your bank. If the check was converted to an electronic check, please include the payment amount, date the payment cleared you bank account, banks routing number, your bank account number and the check number sent to us. Third Party Bill payment : Please contact the company that sent the payment and obtain a copy of the cashed check or report showing how your payment was processed. This is commonly referred to as a remittance payment processing system report ( RPPS ). Please note, a bank statement showing you made a payment is not enough information. ACH / Wire : Please contact the bank that sent us the payment and obtain a tracer number typically 15-20 digits in length. You may also provide us with a remittance payment processing system report ( RPPS ). For faster processing and greater security, you may upload the documents using the Secure Document Upload feature. Please log into your account at DiscoverStudenLoans.com, follow the link for Secure Document Upload in the top, right corner of the Account Summary screen, and follow the on-screen instructions. Acceptable file types are : .jpg, .tif, .pdf, .gif, .doc, .docx, .png , .bmp. You may fax the documentation to XXXX or mail the documentation to the below address. Discover Student Loans XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX We regret any dissatisfaction you may have experienced as a result of our attempts to contact you regarding the repayment of your loan via email. You may request to opt out of future emails by calling our repayment assistance department at XXXX. Thank you for allowing me the opportunity to address your concerns. Should you have any further questions, please feel free to contact me at the telephone number below. Sincerely, XXXX XXXX Executive Office of Customer Advocacy ( XXXX ) XXXX
03/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 91311
Web
This complaint is with the credit card ( Discover card ) I filed with the merchant ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to be on the waitlist for a concert ticket that would take place on XXXX XXXX XXXX The ticket order # is : XXXX and I was charged {$660.00} for merchandise ( in this case a ticket ) that was not received. It all started when I was interested in buying a ticket for the above concert. The tickets sold out quickly earlier that year in XXXX, so I decided to get on the waitlist to see if there is a chance for me to buy a ticket at a later date. Under the merchant 's sign up page for a waitlist ticket, it said that I needed to agree on their ticket and wristband policy where it states " All sales are final - no refunds or exchanges '' in which I needed to check mark the box for me to proceed. I did with my credit card on file with them. Several months go by until XXXX and no communication from the merchant ( I assumed I wasn't fortunate enough to buy a ticket ). On the day of the concert itself on XX/XX/XXXX, I happened to check my statement balance online and saw the charge from the merchant for {$660.00}. I quickly emailed XXXX XXXX XXXX about the charge and if I can get a refund because I wasn't notified that I will be charged for the ticket in such short notice ( I believe ticket will be mailed out XXXX weeks prior to the event day itself ) which I never received. XXXX XXXX XXXX responded and told me to email XXXX instead. I did the same day and asked once again if I can get a refund due to no previous communication from them whether through text, phone call, email, or mail. I didn't get anything at all so how am I supposed to know that I was getting a ticket and be charged for it... The next day on XXXX XXXX XXXX XXXX XXXX XXXX replied back saying per their ticket and wristband policy, they are unable to refund me my money back. So on that same day I reached out and talked to a dispute specialist from Discover card and asked if they can do a chargeback for the ticket on good/services not received from the merchant. They granted me a 30 day credit while they investigate the charge. Thirty days go by and I found out that due to the no refunds policy from the company, Discover card was unable to proceed with the chargeback. I was shocked and upset with this decision. I thought credit card companies would side with me for the screenshots and information I provided them with this dispute. After a couple weeks, I decided to once again file another chargeback with the merchant. And again, Discover card gave me another provisional credit while they investigate. Second time I lost the case again due to the same no refunds policy. I again emailed the merchant XXXX on XXXX XXXX XXXX and demanded my money back, but again they responded that due to their no refund policy, they are unable to provide me with a refund. I even pointed out to them in the email that I was charged a {$7.00} shipping fee and another {$10.00} for handling but they never mailed anything to me. When I asked about a tracking number for proof, I was never provided that at all. Lastly, I filed a third dispute case with Discover card because this is not right at all and I am entitled to a refund back. Another dispute specialist told me the same thing the others have been telling me and advised I file this complaint with the FTC and report the merchant. I did just that on the same day after speaking with the Discover card dispute specialist on XXXX XXXX. Since then, I have not heard back from the FTC. Here we are now on XXXX XXXX XXXX and I have to pay that amount by mid XXXX so I don't have to incur any interest payment. I have tried XXXX times to dispute the case with Discover card and each time they failed me. This is a ticket that was never mailed to me, an event I never went to due to no communication from the merchant whether through phone call, text message, email, mail, etc. If the event were in my hometown of XXXX XXXX, then I would've driven to the box office/will call and see if they have my ticket available. Since the event is in XXXX XXXX, there was no way at all for me to travel day same day. They just charged me blindly. As you can see in XXXX of my attachments labeled " XXXX XXXX, '' third page under " Scan/Fullfillment Summary, '' it says under Unpicked up : 1, Unfulfilled : 1, Unscanned : 1, which means that the ticket I bought was never used nor picked up by me. Please help me get my money back. This is unfair by both parties to be doing this to me. Thank you!
08/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 91790
Web
My name is XXXX XXXX XXXX XXXX I am filing this complaint because I have exhausted all of my possible options to rectify a situation in which my credit card company " Discover card " refuses to rectify even after they admitted to the error being on there behalf. U believe under the " CARES ACT '' they should have removed late payments and went back to reporting it current because of cover .I have been trying to get this matter resolved for about a year now. I have even worked closely with one of the XXXX credit reporting company to resolve the issue but after months of trying to resolve the issue through them, I was told I could only fix the problem through discover card, they could only make a note of the error. The error that I am referring to is Discover card had reported my account late on payment 3 times resulting in my credit score to drop XXXX pts. I have been with Discover for XXXX year and I have been in good standing throughout the duration and I continue to do so even today when they have not fixed the error. I am currently XXXX living In XXXX paying XXXX a month to stay here because my once excellent credit score is to low to get approved for a home. The error accord when back in oct/nov of 2020 this is during the pandemic. I reached out to them to see what pandemic relief programs were available because most of my other credit card had programs. My mother was going through a really bad divorce at the time so I moved in to help her but she was forced to sell the home in the divorce so I was trying to get a jump on all my finances so that's why I reached out. I then consulted with a young lady in which she came up with a program in which my monthly minimum payment would increase from XXXX to XXXX a month and it would keep me current in terms of my payments. Which I agreed to because I she said by doing so I wouldn't be reported late. So I moved into a hotel with my mother for 3 months while we looked for a home. finally found one and was denied do to my credit score. Thats when I realized Discover was reporting my account late even though the program the young lady put me in was taking the amount out of my account monthly through automatic payment. So I didn't realize the dip in my score because to my knowledge the money was coming out of my account. Once I found this out I immediately contacted Discover to rectify the situation. This is prime time in the pandemic most ppl were working from home. So it was difficult to actually get a manger on the phone or find anyone who could resolve this issue. I finally got a manager after weeks of sitting on hold being transferred day by day to get someone who either transferred to someone who couldn't help or just simply hung up. I finally got a manager in which understood what happen then credited my account XXXX dollars do to the error on behalf of the employee who essentially put me in the wrong program which wasn't making my account which was the reason for me calling in the first place. I let several people know about he situation I was in, pleaded with several ppl who simply didn't care and didn't want to fix the reporting side of the issue which was do to the fact there employee was misinformed and then misinformed me. I was told I had to go through credit bureau ( XXXX ) etc to remove the late payments, eventhough the money was automatically coming out of my account every month and is still doing so till this day. I then filed disputes with equfiax which took more months to resolve which finally they said we can make a note of it but Discover is the actual one who has to remove the wrongful late payments. I Still call and try to get them to fix this error, employees understand that its an error but no one has any intent on helping me fix this. I am literally homeless and I have never had a late payment with Discover. I don't know what to do at this point. I just understand that it is not fair practice for them to do this to people who haven't done anything wrong. I have been the standard of customer as I said I have never had a late payment in 7 years. So to whoever is reading this I am pleading someone to help me bring this to resolution. I have attached the 3 months in which I was being reported late and the money was automatically coming out of my account. I also never received in calls from them to bring me current. I also have file showing Discover credited my account XXXX dollars because they admitted the error was on there behalf.Under the cares at that shows My account should of never been reported late.
08/14/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NC
  • 27606
Web
Discover Financial Services ( Discover ) grossly mishandled two related charge disputes I initiated and has refused to acknowledge its negligence and to rectify the resulting damage. Recently, I discovered that my damage due to this negligence continues when I saw that Discover had made adverse reports regarding this matter in the credit files for me and my husband. My husband, XXXX, and I disputed the adverse entries on our credit reports by filing disputes with XXXX who conveyed the disputes to XXXX and XXXX. My husband had been added as an authorized user of my Discover account, but he was not responsible for paying the account nor was he asked to pay. Discover agreed to remove its adverse report from XXXX credit file, but the adverse entry remains in my credit file. It is difficult to ascertain the damage caused by these adverse entries. I applied in XXXX to refinance my house. Would I have gotten a better interest rate if those entries had not been made? My car insurance increased around the beginning of XXXX by about {$50.00} for no known reasons such as driving infractions or claims. Has my husbands recent job search been affected? Was his job search affected around the same time last year causing him to be limited to getting a contract position? At the same time these credit disputes were filed, I sent a fax to Discover detailing my grievances and requesting corrective actions in a final attempt to resolve this matter directly with Discover. To my knowledge, Discover has made no effort to communicate with me regarding my credit report dispute or letter of XXXX XXXX, XXXX faxed to them. I explained and documented the mishandling of the disputes in great detail in the XXXX XXXX letter to Discover, so I have attached a copy instead of attempting to rehash the details here. I have supplemented this attachment with relevant Discover account statements that I did not send with the letter because these were Discovers own records. One complete statement is included along with the other statements with extraneous pages removed to save on unnecessary printing and paperwork. Please note : for the period from XXXX XXXX to XXXX XXXX, XXXX there was no account statement. I have also attached a portion of my XXXX credit report dated XXXX XXXX, XXXX showing Discovers adverse entries. I have redacted information in the attachments that should not be made public, such as credit card and account numbers and my personal contact information, by superimposing a text box containing xs or # s over the redacted information. Complete documents are available as needed for non-public uses. The only issue I didnt address in previous communications with Discover is that Discover still owes me a cash back bonus of {$38.00} that was due to me as of XXXX XXXX, XXXX, which is prior to XXXX unauthorized charges being added to my account. With the exception of this bonus, I have asked the following of Discover. 1. Remove ALL references to adverse actions reported to credit reporting agencies with respect to me and my husband. 2. Remove the 2 originally disputed charges and any additional charges by XXXX. 3. Reverse ALL Late Fees and Interest Charges on my account. 4. Reinstate my Discover account with a clean slate under my previous terms and restore my {$38.00} cash back bonus. 5. Take care of these issues without wasting any more of my time and energy. 6. Issue an apology for Discovers negligence in handling these disputes and issue a check to me to reimburse me for my time wasted due to this negligence. Due to the complicated morass created by Discovers multiple instances of negligence, its extreme recklessness, as well as its cover-up of mistakes, I believe that Discover should be required to reimburse me for the excessive time required for me to ascertain and address Discovers actions. I have also added to my requests that Discover should be required to pay a penalty for damaging XXXX and my credit-worthiness and reputations. Discover should be punished for wrongfully punishing us for problems resulting from Discovers negligence, and possibly, malfeasance. Whether it is an amount to make us whole or to punish Discover and encourage better behavior, Discover should be required to pay reimbursement and penalties in addition to being required to set other matters right. Attachments : XXXX XXXX, XXXX Letter to Discover with Attachments XXXX Discover Account Statements for the Periods from XXXX XXXX through XXXX XXXX, XXXX Discovers Adverse Entry in XXXX XXXX Credit Report on XXXX XXXX, XXXX
09/15/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CO
  • 80501
Web
XXXX XXXX XXXX XXXX XXXX is affiliated with XXXX XXXX XXXX XXXX XXXX is a collection agency that was hired by Discover Card to collect a debt that we owed ( the fact that it is owed has never been disputed ). This company violated our rights in the following manor : XXXX XXXX XXXX XXXX XXXX is affiliated with XXXX XXXX XXXX, XXXX refused to send written communications to a mailing address that accepted mail. We reside in zip code XXXX which is not serviced by USPS physical address delivery. Discover card had our mailing and our physical addresses. XXXX XXXX XXXX XXXX XXXX is affiliated with XXXX XXXX XXXX, XXXX refused to send mail to our mailing address. This includes, but is NOT limited to such communications as : - Original Communications that would have allowed us to either resolve or dispute this debt - Notifications of their intent to file legal action - Once legal action WAS filed, we were never provided a copy of the Judgement- When a Wage Garnishment was issued, we were NEVER provided proper paperwork to dispute this action either. XXXX XXXX XXXX XXXX XXXX is affiliated with XXXX XXXX XXXX, XXXX were provided over 40 times request in writing to update our mailing address. In addition, they have willfully refused to do so until our first communication to this agency was made. In addition to their refusal to communicate with us, in writing, to our mailing address, XXXX XXXX XXXX XXXX XXXX is affiliated with XXXX XXXX XXXX, XXXX refused to provide an accounting of payments made to the debt. There were several payments made by wage garnishment that they would not account for and when asked for an account history, for 2 months they would not provide one. When I made the final payment, I provided them with an accounting. This should have been provided along the way, and when requested. As if, our rights have NOT been violated enough by this company in a short 7 months, even AFTER the debt is paid in full, our right continue to be violated. While we have NEVER received any of the afore mentioned documents, in addition to this violations, XXXX XXXX XXXX XXXX XXXX is affiliated with XXXX XXXX XXXX XXXX XXXX has refused to squash the wage garnishment, which has resulted in yet another overpayment, which I am certain will take months and litigation on my part, including hiring of my own legal counsel to have these overpayments returned. This company 's actions have been inexcusable, and they should not be allowed to practice law if they continue to believe that debtors do not have rights, which is clear in their actions. I am begging this agency to please investigate these people so others do not continue to fall victim to their tactics. We are fortunate. We could have paid this debt in full prior to a court case, and prior to a wage garnishment. However, this company believes in violating consumers rights. As long as they continued to send written communications to an address they KNEW was not valid, they could continue to collect interest, and additional fees. Had they have done things the right way, it would have cost them a few XXXX dollars in fees. Is all of this really worth it to them? I think not. Discover Card should also be ashamed of themselves. They pride themselves on being different, and treating people how they want to be treated. Yet, they employ a company who continues over and over to violate a consumers rights. I dont know about you, but thats not how I would want to be treated. Maybe Discover feels that is how they would want to be treated. At the end of the day, this is all very sad. Had the following rights NOT have been violated, we would never be here today : 1. Communication This company refused to send written communication in a manor that could be received by us. They refused to send communications to our MAILING ADDRESS. Our Physical Address does not accept USPS mail. 2. Because they refused to send mail to our mailing address we were not afforded these basic rights : a. The right to dispute the debt b. The right to a fair hearing c. The right to be informed of litigation d. The right to dispute a Wage Garnishment 3. Unfair Collection Processes This company has been paid in full and refused to squash the active wage garnishment 4. Overpayments this company continues to benefit from overpayments and refused to return said overpayments in a timely fashion 5. Refusal to provide an accounting of the debt and payments made I am begging this entity to investigate these companies, and file any available sanctions possible.
07/14/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TN
  • XXXXX
Web
So a while back my credit card came up missing and I had fraudulent charges. I called discover and told them, well actually they call me as they suspected fraud and at that time I realized my card was missing. They closed my account and sent me a new card. I received a call from a lady name XXXX or XXXX something like that, she was very pleasant and advised she would be sending me an affidavit to fill out and I advised that I was going to try to make a police report. I did try to file a police report but the police department did n't want to really make a report as they advised me I needed to file the report where the card was lost or stolen which I had no clue where. I did n't hear anything else about it until almost 3 months later, I received another call from a woman who advised she was handling and following up as the original case owner was out. She asked if I had filed a police report and I explained what happened in trying to make the report and advised that I was told a police report was not even required when I first reported the fraud. She advised that I would need the report because it was starting to not look like fraud, and I advised that I had never even received the affidavit and it had been almost 3 months, and that I even had suspect info but couldnt prove it. She looked at account and said I was correct that she saw where it was noted that the previous person would send the affidavit but never did. They ended up closing my case against me before I even had time to get the form because they had delayed it in sending it to me. After mush perseverance and reluctance I was able to get the police department to make me a report. They would even allow me to list the suspect info because I did n't have any proof. They advised me if I couldnt prove it I couldnt list them, even though she had been arrested for burglarizing my house. I submitted it and the affidavit and spoke with a supervisor named XXXX, who advised she would look further into. Well it took months and I was following up repeatedly, I asked XXXX numerous time what I needed to do to prove it was me who made the charges or I did n't know about the fraud or participate in it and she advised me that I had done everything they asked me to do and there was nothing else I could do. She did advised me that she had contacted the police department and they did n't seem interested in pursuing it, I followed up with XXXX for months!! Finally she said she had collected everything, but couldnt make the decision and had to forward to her manager for review which I said ok. I waited weeks and no reply, I called and asked for XXXX numerous times and no reply other than she had submitted it to her supervisor. After what seemed like almost 2 months of her supervisor suppose to be reviewing I got another supervisor to look at it and she said they were on teams and she couldnt do anything as she was n't XXXX manager, but would send XXXX manager a message to contact me. I got a call later that day from a very rude woman named XXXX who basically called me a liar and said they there was n't enough evidence to overturn the original decision and in addition they also closed my account!!! Really, I push the issue that no one was calling me back and she was n't doing her job and my account got closed!! That is wrong, she told me if I had additional evidence I could submit it to her. I submitted court documents showing where the woman was charged with Felony burglary for breaking into my home and that was submitted almost a month ago to her and yet again Ive made several calls about the additional paperwork I sent and no follow up!! Its been 3 weeks since I submitted the paperwork and was told I would get a call back and still have n't. I spoke with my credit union bank manager and he advised me that this should be covered by something called Regulation E or Schedule E and that I should probably contact an attorney. I do n't want to go that route because its a lot of trouble but Discover has treated me wrong!! Im very upset by this. My grandmother has been a card member since 1985 and she is ready to cancel her account over this too, not that it matters but you guys really have done me wrong and I have done everything you have asked me to and gone above and beyond and went through hurdle after hurdle for you guys and you hold me accountable for the fraud charges and close my account!! Is that how you treat customers, I 've been a victim of fraud and my credit card company made me a victim too!!
02/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • CT
  • 062XX
Web
The Cares Act Section 4021 of the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, signed into law on XX/XX/XXXX, with the state of emergency currently still in effect as of Today of this letter, amended the Fair Credit Reporting Act which states, If a furnisher [ in this case DISCOVER ] makes an accommodation [ my {$35.00} Late fee waiver given by DISCOVER, behalf of a customer representative named " XXXX '' ( on XX/XX/XXXX over the phone, at XXXX ) for missed payment of XX/XX/XXXX ] with respect to 1 or more payments on a credit obligation or account of a consumer [ Balance of {$710.00} owed XX/XX/XXXX, with an accommodation given ( late fee waiver of {$35.00} reducing the balance owed to {$670.00} ), has been paid by me, on XX/XX/XXXX. ] the furnisher shall ( I ) report the credit obligation or account as current ''. ( II ) If the credit obligation or account was delinquent [ in this case my missed payment XX/XX/XXXX ] before the accommodation [ {$35.00} late fee waive ], and, ( B ) the consumer brings the credit obligation or account current ( I paid the Balance of {$670.00} on the date XX/XX/XXXX ) during the period described in... which the Cares Act Law is in effect [ XX/XX/XXXX to TODAY ], I am rightfully protected by the CARES Act and DISCOVER is required to REMOVE the missed payment [ of XX/XX/XXXX ] from all credit bureaus by this Law. The CARES Act also states Sec. 4021If a furnisher in this case, [ DISCOVER ] makes an accommodation [ the {$35.00} Late fee waiver given by DISCOVER which was credited to my Discover account ] with respect to 1 or more payments on a credit obligation or account of a consumer [ balance of {$710.00} waived with accommodation of a late fee waiver of {$35.00} to make the balance owed {$670.00} on XX/XX/XXXX. ] the furnisher shall ( I ) report the credit obligation or account as current. [ and in this case I paid the balance of {$670.00} XX/XX/XXXX ], making the accountcurrentand by all requirements of the CARES Act law, the creditor [ DISCOVER ], is obligated to remove the missed payment that has been reported XX/XX/XXXX on the Discover account. Please note that this missed payment being, in fact, between the dates XX/XX/XXXX to today validates my claim and also was in a time frame in which the Cares Act Sec. 4021 was and still is in effective. This was also in times of hardships during the COVID-19 that is still ongoing. State of emergencies also are currently still in effect. By Law, the creditor, DISCOVER, has toremovethe missed payment on XX/XX/XXXX from my credit report immediately, as I am now knowledgable that they legally would have to, if not they would be breaching the CARES Act Law. I value my credit and my finances. I am contacting the CFPB as this letter specificallyis showingthe data points in which I am abiding by the CARES act law active XX/XX/XXXX, which was firstly provided to help and relieve consumers like myself. In regards of the missed payment reported by DISCOVER on my credit report on XX/XX/XXXX, I need an authority like the consumer financial protection bureau to help remove this missed payment from my credit reports as it is in my right to be PROTECTED by the CARES act Sec. 4021! There is attached proof of accommodation of the late fee of {$35.00} waiver ( XX/XX/XXXX ) being credited to my Discover account by DISCOVER as well as me paying the balance XX/XX/XXXX and being current on the Account STATEMENT. Proof of the call to the Discover number : XXXX ( XXXX ) XXXX on XX/XX/XXXX, where I got the accommodation is also attached. That call I had spoken with a customer representative named " XXXX '', furthermore I spoken to him about getting a late fee waiver on the missed payment of XX/XX/XXXX, and he had granted it to my account on behalf of Discover. I asked for a ID or badge number, he stated he did not have one. I had also spoken to a Discover Supervisor after XXXX, where I stated how I was in fact, protected by the CARES Act, where she had stated she could not do anything. I'm bringing this to the Consumer Financial Protection for the missed payment of OF XX/XX/XXXX stated on my DISCOVER account, saying I am now current on the account as of XX/XX/XXXX and requesting in conformity to The Cares Act Law, the missed payment of XX/XX/XXXX to be removed from my credit report on Discover or any Authority 's behalf. Please, as I am diligent to learning my rights given by the law and understand Discover is now obligated to follow it. Thank you In best regards.
10/17/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • MD
  • 21146
Web
On or around XX/XX/XXXX/XX/XX/XXXX I wrote out two separate Discover balance transfer checks to XXXX XXXX for {$900.00} and XXXX credit card for {$1700.00}. Each check was made out directly to each creditor and placed into their separate company envelopes. I walked them down to a US post office locked mailbox outside my office building. I work in a very busy office building with many different businesses and outside is a Us post office mailbox as well as a XXXX lock box. Two weeks went by so I reached out to both creditors to make sure they received the payment which at that time they had not. I contacted discover and was told that yes the checks were processed on XX/XX/XXXX. I immediately became concerned because I had just put them in the lock box a day or two before, the timing was concerning. I then reached out to both XXXX XXXX and XXXX to start an investigation. I went thru all of the necessary procedures with all three creditors to find out what had happened to the checks. I finally received copies of both the checks that had been cashed and I again immediately became concerned because the checks were signed and cashed by the same person on XX/XX/XXXX apparently to a chase banking acct. I immediately contacted Discover and explained the situation, at this point every person I spoke to didn't really seem to care or were concerned. I stressed on every conversation that I believed the checks were fraudulently cashed by some unknown person and each time my concerns were never taken seriously. I filed a case with the post office case # XXXX and I was told by the postoffice that yes there had been some incidence in our area where the mailboxes had been tapered with. I explained that also to every person I spoke to from discover again no one I spoke to seemed to care. I also told them that my boss had a check that was taken and cashed fraudulently from the same mailbox on or around the same time and again no one really seemed to care and in fact XXXX told me it appears that my office had an issue. I again explained to her that all mail gets walked down by me and dropped into a US post office lock box! I was instructed by XXXX that I needed to go to the nearest XXXX XXXX since that is where the checks were cashed and get a copy of source of receipt. My Husband and I on a Thursday XX/XX/XXXX drove 50 miles to the nearest XXXX XXXX to be told by the Bank manager that they could not help us that Discover needed to contact XXXX directly to resolve the issue. We called XXXX while we where in XXXX XXXX. She proceeded to argue with the branch manager stating that he needed to give us the information in regards to the account where the checks were cashed. The Branch manager had to explain to her how the procedure worked and that Discover needed to do an investigation directly with XXXX. My Husband and I were sitting in the middle of this very uncomfortable and inappropriate interaction from XXXX. The branch manager at XXXX was very apoligetic and couldn't believe the misinformation given to us. I contacted Discover that Monday XX/XX/19 and spoke to a superviser and found out that not one of the customer representatives had taken down correct notes. I had to again explain the entire story. She had no knowledge that the checks were placed into a secure lock mailbox once she realized what I had been stating I was finally transferred to the fraud Dept where I spoke to a XXXX XXXX on XX/XX/19. At this point he closed my acct so they could investigate the fraud claim. I then received a letter on XX/XX/19 asking for additional information I called and spoke to first XXXX then XXXX on XX/XX/19 and once again had to explain the entire story because the notes were not entered correctly. I also filled out the attached form and mailed it from my home to Discover. I just received a letter dated XX/XX/19 that they had concluded their investigation and found no fraud and I am responsible for the {$2600.00}. I immediately called and spoke to XXXX on XX/XX/19 and had to give him the post office claim # because once again no one had included that information into the investigation. He explained to me that it would go back to the disputes department but that the charge would still go onto my account and that there was nothing else they could do. This has been so stressful and time consuming, the customer service has been horrible. I have done everything to try to have someone take my concerns seriously and catch the person who committed this act of fraud.
02/01/2021 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • MI
  • 497XX
Web
XX/XX/XXXX We recieved quarterly statement to find XXXX transfer we made from our external bank had been returned for processing " Cashedge error. '' Called our external bank XXXX XXXX XXXX XXXX to confirm original transfer was made on XX/XX/XXXX with no errors. Confirmed transfer complete and per account statements the XXXX had NOT returned to XXXX XXXXXXXX XXXX XXXX account. Discover representative, XXXX filed a " Missing Transaction Form '' said it would take 2-3 business days for follow up on why the funds were REVERSED same day of XX/XX/XXXX and where the funds are currently. XX/XX/XXXX We called in to Discover for update. We were told the case was closed and given trace # XXXX that funds were with XXXX XXXXXXXX XXXX XXXX. Spoke with XXXX, Account Service Specialist with XXXX XXXXXXXX XXXX XXXX. They pulled Fed Reports for XXXX and no deposits of XXXX sent from Discover to XXXX XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX asked for PROOF OF PAYMENT from Discover to open case with XXXX XXXX to locate the funds. Per XXXX from Discover, they were working on getting the PROOF OF PAYMENT, but it had to go through their legal dept. XX/XX/XXXX XXXX stated Proof of Payment letter still not approved. She discovered a letter to XXXX and I dated XX/XX/XXXX confirming REVERSAL was because of PROCESSING ERROR with CASHEDGE ( we never recieved this letter and Discover could not confirm it was sent to us ). XX/XX/XXXX XXXX from XXXX XXXXXXXX states that DISCOVER really needs to open a case with processor during a 3 way call with XXXX. We are told this has " Already done & CLOSED- funds transferred to XXXX XXXX XXXX XXXX XXXX '' PROOF of PAYMENT still not provided from Discover for XXXX XXXX to open case with XXXX At XXXX XXXX from DISCOVER had us speak with XXXX, DOCUMENTATION SPECIALIST for DISCOVER on a 3 way call with XXXX from XXXX XXXXXXXX XXXX XXXX and XXXX the Director of Operations for XXXX XXXXXXXX XXXX XXXX. XXXX confirmed TRACE # and gave a new date of XX/XX/XXXX for transfer occuring.This information enabled XXXX XXXX XXXX XXXX to open a case with XXXX XXXX. XX/XX/XXXX XXXX XXXX Case closed with no location found of {$20000.00} being transferred from Discover back to XXXX XXXXXXXX XXXX XXXX. XX/XX/XXXX Called in to Discover for update. Spoke with XXXX at DISCOVER on a 3 way call with XXXX and XXXX from XXXX XXXXXXXX XXXX XXXX. He said the ERROR occurred with Discover CODING ERROR with XXXX. It will take 2 business days for Electronic Transfer Team to review. He gave XXXX XXXX XXXX TRANSACTION ID ( Internal number for XXXX ) for XXXX XXXX. He told XXXX XXXXXXXX to contact XXXX and XXXX would be aware of the issue with transfer and be able to locate the funds with the processor. XX/XX/XXXX XXXX from XXXX XXXXXXXX XXXX XXXX called to say their XXXX XXXX contact spoke with XXXX XXXX and that the {$20000.00} was sent back to DISCOVER on XX/XX/XXXX and on DISCOVERS GL ( general ledger ). XXXX confirmed this information with XXXX and XXXX at DISCOVER. XXXX via XXXX told XXXX it would take 2-3 days for Discover teams to locate funds. XXXX said they should contact XXXX XXXXXXXX 's, their client to update how DISCOVER was going to handle this. XX/XX/XXXX Called in to Discover for update. Told by XXXX at DISCOVER that the Electronic Transfer Team could not find the {$20000.00} and that the MONEY MOVEMENT TEAM was know looking into the matter. And that would take another 2-3 business days. XX/XX/XXXX Called in later that day for update. Told by XXXX XXXX Movement Team still looking into the matter. He documented on our account that all INTEREST should be calculated and put in our Discover account. XX/XX/XXXX spoke with Manager, XXXX XXXX at Discover. She states that this is a horrific situation. She states that the ELECTRONIC TRANSFER TEAM can not locate the {$20000.00}. That the MONEY MOVEMENT TEAM is looking into the matter but that the money is with XXXX XXXXXXXX XXXX XXXX. XXXX states she is working on our behalf to locate the funds and that there is a MEETING SCHEDULED THIS WEEK ( she does not know when ) WITH XXXX XXXX to work to resolve this situation. Our family has been missing these funds since XX/XX/XXXX. No notification was sent to us regarding this matter until we received our quarterly statement on XX/XX/XXXX and we noticed the funds were not in our account. It is unacceptable that DISCOVER returned our funds with our notifying us and have not been able to locate our {$20000.00} for us.
11/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75002
Web
Discover financial services has not resolved the identity theft issue that has been ongoing with their company since they allowed two Fraudulent accounts to be opened, these accounts were never confirmed by me, The cards were never received at any addresses I have lived at, The employment is not legit. The application ( s ) were fraud. Still are fraud, and Discover does nothing to resolve the issue. They have allowed two accounts to fraudulently to be opened. A Discover it card in XXXX of XXXX, and a Discover Chrome card in XXXX of XXXX. Both of which again are Fraudulent and not authorized. Discover never called to clear the fraud alerts on my credit profile, These are extended fraud alerts and once again it specifically calls for calling someone before opening an account, and Discover failed to accept that law, nor did they follow the procedures of that law. The Inquiry was blocked due to fraud, and will remain blocked because it was an identity thief using the information that isn't even valid. In a previous complaint Discover advised me they have " Investigated the issue '' They also here stated in an accusatory tone, they opened 5 ACCOUNTS Yes you read that right 5 ACCOUNTS Without authorization because they decided to investigate the accounts as " Transactional Fraud '' The Rep XXXX XXXX also advised that I CALLED IN to request the accounts be investigated that I was disputing some fraudulent transactions. AGAIN Accusatory, not verified and no information was proven. Additionally, XXXX XXXX also said she verified the email address XXXX WAS USED TO REGISTER THE ACCOUNT, Yet according to my XXXX Identity Protection Alerts this email address was found on the dark web. I have contacted XXXX about it, which is pending resolution and investigation to block the email address. Additionally Discover also stated they verified with a motorcycle company that I took their Motorcycle class and they verified the endsorement was put on my license from said class. Again no proof, and again NO EVIDENCE of said call and or said lies they continue to promote in their comments. Discover is committing the fraud, they opened numerous accounts without my authorization. I have only made 1 call to discover ever in my life and that was to report these as application fraud, I never once called in to report transactional fraud, in fact their Fraud Rep told me on the phone that they had mistakingly marked it as transactional fraud. She apologized and told me this would be corrected because again Discover continued to report this as transactional fraud and continued to try and investigate individual transactions. They never once investigated that the cards were never received, never investigated the applications which they admitted were submitted online. Additionally, Discover says they verified calls in XXXX, Which again I never made I am not sure how they verified these because discover can't ever provide evidence instead continues to falsely report fraudulent information from an identity thief. Discovers fraud department is very horrible. They openly admit the applications were submitted online, they openly admitted they opened the card 5 times as transactional fraud instead of closing it due to application fraud, Since I never authorized the application nor received the cards. The Bank accounts which made payments to those accounts additionally have also been closed due to identity theft, yet Discover again acknowledged they investigated this and verified the bank accounts were legit. Again, False information as always. Discover has never investigated anything, Discover needs to be investigated for their practices. They do not follow the law, they do not accept the FTC Identity Theft Affidavit, they take fraud cases into their own hands and create more fraud, they do not resolve the issue and continue to cause me monetary loss. Discover is not willing to investigate they lie in every comment they say, I have a letter from them which told me I am not held Liable for the account and then later they just change the number and try to say I am liable when a thief opened these accounts. I want Discover investigated for Abusive practices, Harassment, Not handling fraud and discrimination which they continue to perform. I do not have accounts with Discover and I will not pay accounts with Discover when I never received any Cards from Discover, Never submitted any applications with Discover and Discover continues to report identity theft.
10/03/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MS
  • 38654
Web
I would like to initiate a complaint against Discover Credit Card for not allowing me to reopen a dispute against XXXX XXXX XXXX XXXX. Discover 's website says to contact Customer Service if you need to cancel a dispute and it does say your options may be limited if the dispute needs to be reopened. I realize my options may be limited for recourse, but it needs to be reopened and no options have been provided to me other than Discover telling me over and over that it can't be reopened. I purchased a trip to the XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. I paid for it with my Discover Card and the charge was {$3900.00}. I paid over a year in advance. The Festival was to be held XX/XX/XXXX - XX/XX/XXXX at the XXXX XXXX XXXX in XXXX XXXX. In XX/XX/XXXX, XXXX XXXX began canceling festivals with XXXX notice ( XXXX being the XXXX XXXX XXXXXXXX XXXX ) leaving concertgoers stranded out of the country because XXXX XXXX had not paid the resort with the money. This infornation has been covered on multiple new stations, is easily found on the Internet, and there is currently a class action lawsuit against XXXX XXXX at the present for this. This was the first red flag that something was not right. In XX/XX/XXXX, I was notified that the XXXX XXXX XXXX in XXXX XXXX that I'd paid for with Discover was being moved to new dates of XXXX and a new resort XXXX XXXX XXXX In XX/XX/XXXX, I learned that the company XXXX XXXX had filed for bankruptcy and I knew in my XXXX it was not likely the XXXX Festival would be held. I contacted Discover on XX/XX/XXXX to initiate a dispute and also contacted XXXX XXXX. XXXX XXXX assured me that XXXX Festival would be held and said I could not dispute anything as their contract said no refunds. They offer you a credit to a future festival. They also posted on their website IF you dispute the charge, they reserve the right not to do business with you and to refuse you from future festivals. So I canceled the dispute the very next day on XX/XX/XXXX as they said that the festival would still take place and at that time there was no announcement otherwise. I also was scared if I went forward with the dispute they would refuse me from attending future festivals as stated on their website. I explained to Discover why I was afraid to continue the dispute and told them the response received from XXXX. I felt I had no choice but to drop the dispute - they were saying the festival was still going on and if I didn't drop it they could refuse my attendance in effect tying my hand. For the next few months, I could never reach anyone at XXXX to inquire about the status of the festival and they stop providing updates. On XX/XX/XXXX, I finally receive a response that the XXXX was still occurring. Several weeks went by with no communication and then suddenly I received an email on XX/XX/XXXX XXXX week before hand that the festival is indeed not going to take place due to customer cancellations. XXXX XXXX has said absolutely no refunds. My concern is that this company has filed bankruptcy but did not notify customers, there are multiple lawsuits against them, they have canceled several festivals since XX/XX/XXXX and there are no future festivals taking place. How can you give a credit to a festival but you have no money fo hold XXXX. Thousands of customers have lost money due to their " no refund '' policy and it is not fair that Discover is in effect allowing them to keep my money by not allowing me to rightfully dispute a company with shady practices. They have still been advertising festivals under new names luring customers in ( the name switched from being called XXXX XXXX XXXX to XXXX ) and taking people 's money knowing they have filed bankruptcy and no future festivals are going to take place. How can you have a future festival when you are facing multiple lawsuits, bankruptcy, and a tainted name. They have not provided the service I paid for, and Discover is allowing this to continue by not doing the right thing by me as a customer and allowing me to reopen my dispute. I have been a Discover customer for years. They showed absolutely zero empathy when I called to explain my situation. We have had Discover Loans, Credit Cards, and even my children have Discover cards. I am disappointed in the way both XXXX XXXX and Discover just have my money and I have no recourse and am at the mercy of this shady company. Discover is allowing the shadiness to continue by not allowing me a fair dispute process.
08/05/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • FL
  • 34482
Web Servicemember
This is my second time filing a complaint. I have been waiting patiently for XXXX MONTHS for Discover to fix access to my online account. I am requesting that Discover follow-up with me via e-mail, as I am currently abroad and unable to pick-up phone calls. I really would like to be able to access my Discover credit card account and Discover bank accounts as for XXXX MONTHS I have been unable to access my accounts or have access to online transfers, bill payments, etc. I thought that Discover should have immediately had people in their I.T web department resolve it for me. However, this thing has unnecessarily dragged on for XXXX months now without any kind of resolution nor follow-up at all from anybody at Discover, and of course, without the issue ever being resolved for me so that I may access my accounts! So this is XXXX months without any access to my banking and credit card accounts with Discover, and there has been no attempt to resolve the technical issues on Discover 's end for me. I am copy and pasting the text from my first complaint filed in XXXX, 2019 : On XX/XX/2019, I received a voicemail from Discover 's " fraud department. '' All I did was add an external checking account to my Discover account. I reached out to Discover immediately to inform them that I added the external bank account. However, it was too late. Discover had already deactivated my online access. I've had one Discover login to manage both my Discover credit card and Discover bank accounts for several years. Everything has ran smoothly up until XXXX days ago. After Discover took the step of deactivating my online access after mistakenly detecting some kind of fraud on the account, I had to spend an hour on the phone trying to reactivate it. After following all the steps and suggestions on the phone. There is an error after I log in with the account. I can see the accounts listed, but there is an error message next to each account that said : " verify this account. '' Any link that I clicked on including " verify this acount '' led to an error page. All of the links inside of the online account led to error pages. I reached out to Discover by phone and chat immediately to let them know what's going on. I can't access my accounts. I can not do anything with any of the accounts. It's very frustrating. I was told on the phone that " headquarters '' would be working to fix it. Over XXXX days later and there has been no communication what-so-ever from headquarters. No e-mail. I'm traveling overseas right now and e-mail is the best way to reach me. But no other form of communication from DIscover. No solutions. It hasn't been fixed. I've chatted multiple times. There is something bizarre with Discover 's chat support. I send a message and then verify my account info. Then I don't get another reply from Discover 's support agent for another XXXX minutes. After XXXX minutes the chat times out. It has nothing to do with the Internet connection, it's that literally the support agent is taking up to XXXX minutes to reply. It's like there is one person trying to service XXXX support requests at the same time? What is going on with Discover? I've never seen such poor online customer support in my whole life. On XXXX, the official Discover account asks me to open the chat and the whole thing repeats. I verify my account through chat, and then it takes XXXX - XXXX minutes to get a reply from the agent or no reply ever comes. This problem that is not my fault, and caused by Discover never gets solved. I wish I could be compensated somehow for how much time I've wasted trying to get it resolved. It's so crazy. I've called twice on this issue. Each time I can get through to their U.S support, which is good. But again, each time they say they've reported the issue to their headquarters and there is nothing else they can do at all. On XX/XX/XXXX, I got an e-mail from Discover with a temporary password. I thought for a moment that they finally fixed the issue and I could now log in. But I try to log in with the temporary password and it doesn't work. I'm so disappointed by the lack of communication, lack of a solution, and the fact that this whole thing was caused by a mistake by Discover just for linking an external account to Discover. I've never seen anything like this before, and never experienced any problem like this before with any other financial company. Since I received the temporary password today, I also can't log in at all.
07/12/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • OH
  • 446XX
Web
On XX/XX/2021, I purchased two salt scrubs and two jars of body butter at the XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX. I authorized a purchase by giving my phone number and my electronic signature. At that moment, I did not see the final price nor the corresponding items linked to that price, nor the non-refundable policy notice. The final price was {$270.00} with the receipt of " no refunds, '' that I found in the bag later that day. A representative of the store then took my credit card and went somewhere, as she said, " there is no internet connection here ; let me try in my office. '' I followed her as she held my credit card. She told me to wait in some cubicle while she " was investigating '' the internet connection. She might charge my credit card two more times without my further awareness for the amount of {$370.00} and {$210.00}. I requested to return my credit card and stop giving me " complementary goods and services. '' She was pushy and insisted she would give me some " complementary goods '' anyways. Only when I insisted on leaving and refused to receive any goods would she mention no refunds were available, and I could only exchange the items. I left the store in shock. After seeing two more charges on the credit card account, I called the credit card, Discover, the same day, XX/XX/XXXX, to immediately close my credit card and initiate a fraud dispute for the amount of {$370.00}, {$270.00}, and {$210.00} ( including the initial authorized purchase ) because the store representative might use my credit card without my notice after the initial purchase. At first, the Discover Fraud Security and Protection Office escalated the issue with their department. They closed my credit card and provided the new one. After several phone calls with Discover, the issue was suddenly de-escalated to the billing disputes department. The Discover billing department temporarily credited the disputed amount during the investigation. Still, the Billing department bounced the {$370.00} back on XX/XX/XXXX to the personal account, stating that they can not charge back the disputed amount since they could only follow the merchant 's non-refundable policy. I inquired about escalating the issue back to the Fraud office. According to the fraud office representative 's knowledge, she could not do anything about the charges since the charges do not constitute any fraudulent activity. I'm afraid I have to disagree with Discover 's statement for the following reasons : First, the listed charges do not show the correct correspondent price/amount for the purchased goods. Secondly, the charges for goods were made that I did not accept, and they were not delivered as agreed based on the initial purchase. Thirdly, the merchant 's representative failed to provide any return policy before making the purchase and failed to mention the price of the goods upon request ( only discounted percentage rates and complementary goods were mentioned ). I made several attempts to communicate with the merchant by visiting the XXXX XXXX XXXX on XX/XX/XXXX. Unfortunately, there were no representatives of the store present. I communicated with the security officers to let them know that I would like to dispute the charge to witness that I was present there with the goods to return. Additionally, I attempted to call the local XXXX manager the same day, no response followed. Finally, I called the general manager of the XXXX XXXX XXXX on XX/XX/XXXX to initiate the investigation of the merchant 's sale practices upon Disover 's suggestion. I was provided with the following owner 's contact information : XXXX XXXX, XXXX, XXXX ( not a corporate email ). I was able to reach XXXX. They acknowledged that there was indeed an internet connection problem in the mall, " the technical difficulties happened, '' they were willing to refund me. XXXX told me that her secretary would call me back by XXXX XXXX local Eastern time. I called back around XXXX ; they told me they would call me later. After calling and waiting for the store owner and the XXXX XXXX XXXX manager, no further response or investigation on their end followed. I emailed XXXX XXXXXXXX Ohio too. I am contacting the Consumer Financial Protection Bureau as the last possible contact for help since Discover refused to initiate a fraud dispute. I am asking you to investigate the issue as soon as possible. I appreciate your understanding.
12/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MS
  • XXXXX
Web Servicemember
*********************** REVISED COPY ( XXXX ) ******************* XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ___________________________________________________________________ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Discover Card Services Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Open Letter for Open Records for PROPER RECORDS Card Ending XXXX : or Claim Number __________________________ Dear XXXX of Records : Attached you will see a notification received through Discover Card Service regarding the verification of my tax return which will be sent over to my legal counsels of records and my certified public accountant for full review and to question as to why is XXXX in my personal business and in my personal affairs in regarding my tax returns and to question me or to even ask me for verification of such tax returns. I express this in my answer to this form that I consider to be as bogus as they may come. Since XXXX wants to verify such records as my tax return and thinks that they are entitled to my tax returns transcripts. I too would like XXXX to send their records request to the Department of the XXXX, Department of Veteran Affairs, and any other employer of record to get whatever records they XXXX need in nature to their request. Ask them all for their PROPER RECORDS under verification and attached their XXXX C, rules, and regulations, applicable laws, and statutes to support their records under this verification process. I am not consenting to anything anymore in this country until your business or government agencies produce the PROPER RECORDS under sworn affidavits officially signed and sealed under blue and black ink by the authorized representative just like your return records are trying to get me to do. Discover Card Service and XXXX XXXX XXXX are not the same company or business or are not sister agencies among each other. Now that you have this OPEN RECORD which I will continue to keep open for the general public to read and review and as well as draw concerns XXXX XXXX XXXX has no right to be trying to probe into my personal life and private affairs trying to use some undercover tactics to get my tax returns or tax returns transcripts. Now that you are in here and we are verifying records please request that all your governments records be officially and legally signed off on in black and blue ink by the authorized representatives and attached the rules, regulations, policies, applicable laws, and statutes to your PROPER RECORD for full review and complete understanding. This is a very simple OPEN RECORD request for ALL your PROPER RECORDS under the name of XXXX XXXX XXXX. If there is any debt owed or due, then such PROPER RECORDS must be attached with a legal receipt of record for full payment and payment processing. I am returning your records attached for evidence for more work and a full explanation of who, what, when, and where such person or body of people gave you my information to run and to try to get me to consent to something that I clearly dont appreciate. If any things are to be reported to XXXX XXXX XXXX XXXX Discover Card Service reporting any kind of late payments or delinquencies? Now produce my credit profile/credit report with all receipts or amount owed due or that is late with Discover Card Services. If you have any issues or problems, you have my consent in this written communication to contact my legal counsels of records and my certified public accountant for they too will be getting this communication to support your email request for any records of mine under a sworn affidavit with your paperwork signed off on in blue or black ink only. You suppose to have everything about me since you have my name, date of birth, and social security number. The records that I have from you that you provided to XXXX XXXX XXXX, XXXX. will be returned for more work as well. If you have a legal counsel of record on staff or that is representing you, then please share this open letter with him or her to further assist you. If I can sign records, then so can you officially and legally sign off on such records under the exact name of the person listed in the signature block for full accountability. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX CC : XXXX XXXX XXXX XXXX IRS ) Certified Public Accountant ( CPA ) Legal Counsel of Records
10/16/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • 77044
Web
Discover has confirmed the receipt of my payment of {$15000.00} from my complaint XXXX and has refused payment which is a against the law. I'm requesting this complaint stay open until my tender of payment is returned. I'm requesting Discover to return the tender of payment or credit my account for the {$15000.00}. Payment received is payment credited or discharged, Discover received and acknowledged receipt meaning according to UCC 3-603 If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge. Discover received my tender and refused according to my compliant number # XXXX, the were obligated to endorse the tender. CFPB : DO NOT CLOSE THIS COMPLAINT UNTIL MY TENDER OF PAYMENT IS RETURNED OR MY ACCOUNT IS REFLECTING THE {$15000.00} PAYMENT FROM DISCOVER. RECEIVING AN ANSWER/RESPONSE FROM DISCOVER DOES NOT CONSTITUTE A SETTLEMENT AND CLOSE COMPLAINT. I'm also requesting the cusip number to this account XXXX / if this isn't settled, with in 14 days I will GO FURTHER and REPORT this to the following : 1.SOCIAL SECURITY ADMINISTRATION XXXX XXXX XXXX , INSPECTOR GENERAL 2. COMMISSIONER INTERNAL REVENUE SERVICE THE HONORABLE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. TECHNICAL SUPPORT DIVISION TREASURY XXXX. XXXX XXXX INTERNAL REVENUE SERVICE XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. INTERNAL REVENUE SERVICE XXXX SUBMISSION PROCESSING CENTER XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. BE INFORMED : Any actor, agent, or fiduciary who delays, restricts, or otherwise prohibits the movement of this Negotiable Debt Instrument in its lawful progression* destined to or for the Holder in Due Course, Secured Party , or Claimant must show cause why a contempt charge** should not be issued against him/her in his/her/their true character or suffer the consequences of said action or lack of action. The breach of fiduciary duties also incurs civil liability subject to the posted Fee Schedule for Principal. It is noted that said actors, agents, and fiduciaries are subject to the self-executing regulations of the 3rd and 4th sections of the 14th Amendment to the Bill of Rights to the Constitution for the united states of America whereby their offices are vacated, and their salaries and retirement benefits are extinguished when they do not perform the duties of said offices. * established in 1933 under HJR-192 and exercised by actors, agents, and fiduciaries of every commercial transaction by commercial banking institutions since that date of the Abrogation of the Gold Clause ** damages equal to double the amount of the Negotiable Debt Instrument ( under civil action ) or triple the amount of the Negotiable Debt Instrument ( under Admiralty Jurisdiction ). https : XXXX? q=reserve+ NOTE- ( If this is Not Certified and Processed within 14 days after Delivery Acceptance then it is to be classified as a Fraudulent Act by U.S. Treasury/Banking System and the required XXXX XXXX XXXX XXXX XXXX to make the required US Corporate Governmental monetary CHARGE of Harm : for the corporate delay in this Disbursement and Restitution, of an additional fee to be delivered to this Individual Banker within 30 days, as she is the ordering American Public Trustee. ) XXXX XXXX XXXX XXXX XXXX
07/10/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • XXXXX
Web
Discover has done a horribly flawed and indescribably frustrating job of handling a very simple dispute. In XX/XX/2017, a charge was billed to my Discover card by XXXX XXXX for an appraisal on a property that I was buying. When I received the report, there were several problems with the document. It was full of incorrect information. It was clear that the appraiser had simply used another appraisal from another property and changed a few things like the property address, etc ... and took a few photos. This was grossly unacceptable. There was basic factual information that any professional ( or lay person ) could easily verify, but they did not even bother. They threw it together and charged {$500.00}. The county listed on the appraisal is incorrect. The HOA costs are incorrect. The property taxes are incorrect, and a host of other issues about the property itself are incorrect. After both the seller of the property and I separately contacted the appraiser and asked him to make corrections ( which he never did ), I disputed the charge with Discover. The dispute was resolved in my favor and closed. Unbeknownst to me, XXXX XXXX later abused the credit card information in their possession to charge my Discover card again in XX/XX/2017. I only discovered the charge while looking at statements later for a different reason. I contacted Discover. They immediately informed me that this was fraud if I had not requested another service from that merchant and was billed again. They stated that the merchant could continue charging the card and committing fraud unless they deactivated the card. So, they immediately deactivated the card, created a completely new account, and sent a new card with a new number. XXXX XXXX later submitted to Discover a copy of the credit card authorization between myself and the lender ... ... To be clear, the authorization does NOT anywhere mention authorizing " XXXX XXXX '' to charge the Discover card. " XXXX XXXX '' appears nowhere on the authorization. XXXX XXXX also submitted a note containing a number of false statements and irrelevant information about their process and how mortgages and loans work, etc. This was a distraction from the fact that they have abused credit card information in their possession. Discover then informed me that they do not consider this to be fraud, because they do not believe the merchant did anything to steal or illegally obtain the credit card information. It was then referred back to the billing dispute department. Recently, I learned that Discover refuses to credit the second {$500.00} charge back to my account, the charge of which I knew nothing and gave XXXX XXXX no permission to bill. I contacted the police, and they absolutely consider this credit card fraud. I was billed for the same service twice ( by a company that was not named on the authorization ). The dispute was closed after being resolved in my favor. That was the end. XXXX XXXX had no basis in law or in equity to bill the Discover card again. In fact, what they did is very much fraud and is very much against the law. They utilized credit card information in their possession to bill a credit card again for the same service that had already been disputed and resolved in my favor. Criminal charges have been filed against the merchant. Discover informed me that the reason for Discover 's decision was that the service is " nonrefundable according to the merchant ''. So, Discover decided that I should pay {$500.00} for a sloppy and careless service that they had already previously resolved in my favor and closed. To be clear, the authorization, as I mentioned before, does NOT mention " XXXX XXXX '', NOR does the authorization, anywhere ... .in any of the fine print, state that the service is nonrefundable. What is the value of expending time and resources on a dispute process if Discover allows a merchant to simply bill the customer again after the dispute has already been resolved in the customer 's favor and closed? And separately, if the authorization does not state that the service is nonrefundable, why not just let all merchants later decide to state that whatever goods and services they provide are nonrefundable? Discover can then save a lot of money by eliminating the entire dispute department. They will obviously lose customers, but that does not seem to bother them anyway ... I consent to CFPB publishing this complaint publicly.
11/24/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10460
Web
LEGAL PROCESS ON COLLECTIONS The Discover Card that shows on my credit bureaus has never belonged to me, I demand full documentation as I have always had excellent credit history, and suddenly I have a charge show up on my credit for nearly {$8000.00}. This is a phantom dent that simply has no connection to me. This account needs to be deleted permanently!!! I state on record with the Consumer Financial Protection Bureau that any transfer of debt ownership without proper true copy originality to prove ownership transfer, is hereby deemed a PHAMTOM DEBT. Any issuance of a collection against my personal history is therefore illegal where there is no standing in the jurisdictional courts of my domicile. Many illegal collection actions have been brought against collection agencies by the United States of America on behalf of the Federal Trade Commission. The Commission is an independent agency of the United States government given statutory authority and responsibility by the FTC Act, 15 U.S.C. 41-58. The Commission is charged, inter alia, with enforcing Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), which prohibits unfair or deceptive acts or practices in or affecting commerce ; the FDCPA, 15 U.S.C., 1692-1692p, which imposes duties upon debt collectors ; and the FCRA, 15, U.S.C. 1681-1681x, which imposes duties upon consumer reporting agencies and those who furnish information to a consumer reporting agency or use information obtained from a consumer reporting agency. Please be advised that I have a serious disagreement with information that remains on my personal credit profile, and most this dispute comes from the Fair Debt Collection Practices Act, otherwise known as Public Law 109-351 ( FDCPA 15 U.S.C. Sections 1692 ). Pursuant to my rights under the Fair Debt Collection Practices Act, I request all the following items be forwarded to me within ten business days from your receipt of this dispute letter : I request a copy of any signed document of service pertaining to the above referenced debt service in which the obligation occurred. I request notice of where any original signed contract or service agreement is located, of the person or persons responsible for the maintenance of any or all original documents, the contact phone numbers of said person ( s ), and the proper time of day during the week in which these individual ( s ) can be contacted. Any false representations or deceptions pertaining to the validation process as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and all federal and state court decisions applicable to the enforcement of the FDCPA will be reported to the Attorney Generals Office of my home state. Pursuant to Section 809 of the FDCPA, I request a copy of any 30-day notice of debt that must be sent to an alleged debtor to validate a debt. Only notices sent by certified mail will be accepted for a Mini-Miranda notice of debt service or an attempt to collect a debt. Notification by regular mail delivery of an alleged debt can be successfully disputed in any state court as verification of service is mandatory. I request copies of any license or bonding that may be applicable to the above referenced ( creditor, servicer or collection agency ) to operate within the state I reside to procure debts of any nature. The Federal legal definition of the term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of a transaction are primarily for personal, family, or household purposes, whether such obligation has been reduced to judgment. However, all states have their own laws pertaining not only to what construes a debt and have very stringent guidelines as to how such debts were procured in original form, how they were assigned to either a servicer, another business or collection agency, or if such an assignment was handed to a properly licensed and/or bonded establishment under requirements of the General Law of said state. I therefore dispute the posted collection and demand full true copy originality of ownership or assignment of collection responsibility. If validation is not connected, then the collection must be removed permanently. All FTC guidelines will be applied in my validation dispute. DELETE ALL REFERENCES TO THIS AGENCY POSTED ON ANY PERTINENT CREDIT REPORT!!! XXXX XXXX
08/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • DC
  • XXXXX
Web
On XX/XX/XXXX, Complaint # XXXX was submitted to the CFPB for Discover Cards reporting of derogatory, inaccurate information on my Credit Report. On XX/XX/XXXX, Discover Card responded to the complaint and advised that they were investigating the complaint, and would provide a detailed responses within 60 days. On XX/XX/XXXX, the Executive Office of Customer Advocacy at Discover ( hereinafter Discover ) provided a response to the complaint. Discover stated that complainants concerns were reviewed and addressed on XX/XX/XXXX under Complaint # XXXX. Discover further advised that complainant had not provided any additional information since that time. Nonetheless, Discover states the following : - On XX/XX/XXXX, the account at issue was opened through an application and a {$800.00} security deposit ; - Discover states that Complainant accepted the Cardmember Agreement, which states, in part, that if Complainant is in default under the agreement or the account is closed for any reason, complainant authorizes Discover o withdraw all or any portion of the Funds from the security deposit account and apply them to reduce outstanding obligations. - On XX/XX/XXXX, the account at issue was placed on hold to verify additional information for [ the ] account. '' - On XX/XX/XXXX, Discover completed their review and a business decision was made to close [ the ] account. - On XX/XX/XXXX, {$740.00} of [ the ] security deposit was applied to the account balance and again on XX/XX/XXXX, additional monies, totaling {$41.00} was also applied to the account balance and deducted from the security deposit. - Discover also stated that a refund was due in the amount of {$17.00} and that the account balance had a remaining {$20.00} balance. Complainant does not dispute that she accepted the terms of the agreement. While Complainant does dispute the balance at the time the account was closed, this was not the subject of the complaint. Complaint XXXX was submitted to address the derogatory and accurate information that Discover continues to report on Complainants XXXX, XXXX, and XXXX credit reports. Specifically, Discover is reporting two 30 days late payments in XX/XX/XXXX and XX/XX/XXXX ( see attached portion of complainants XXXX report ). Multiple attempts have been made to resolve Complainants concerns with the account at issue. To date, Discover has failed to acknowledge and/or correct the inaccurate information being reported to all three credit bureaus in blatant violation of the Fair Credit Reporting Act. Section 623 of the FCRA and Regulation V provides that Discover, a furnisher, must not furnish inaccurate consumer information to a CRA, and that Discover has an obligation to investigate a consumers dispute that the furnished information is inaccurate or incomplete. A review of the response provided by Discover on XX/XX/XXXX makes absolutely no reference to Complainants concerns regarding inaccurate and derogatory information. Rather Discover admits that the account at issue was closed in XX/XX/XXXX, evidence which supports Complainants Complaint that Discovers reporting of late payments in XX/XX/XXXX and XX/XX/XXXX are not possible and are inaccurate. Indeed, XXXX had no additional obligation to make timely payments and the account did not have an outstanding balance. Discover also admits that as of XX/XX/XXXX, after Discover continued to deduct funds from the accounts security deposit three months after the account was abruptly closed, Complainant did not owe a balance on the account at issue. In fact, Discover admits that a {$20.00} credit remains on the account at issue. Based on the facts and information provided by Discover, XXXX could not possibly have been late on any payments after XX/XX/XXXX and therefore Discovers continued reporting of two late payments in XX/XX/XXXX and XX/XX/XXXX are not accurate and must be removed. Discovers ongoing reporting of derogatory information that has demonstrably false is a violation of Section 623 of the FCRA. Therefore, Complainant is submitting this complaint once again and demanding that Discover correct the inaccurate information. If Discover continues to report the inaccurate, derogatory, and factually impossible information to the credit bureaus, Complainant will have no other choose but to file a lawsuit seeking damages sustained as a result of Discover falsely reporting late payments on my credit report.
06/01/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 95219
Web
On XX/XX/XXXX, I made a purchase on XXXX. This online company sells hair care products. I made a purchase of {$87.00} in total. I used XXXX XXXX service to make this purchase. My XXXX XXXX is attached to my Discover credit card. I didn't not receive my merchandise upon the delivery due date on the XXXX website. I contacted XXXX. XXXX said a local warehouse will contact me within 24-48 hours since they are not able to locate this package. I contacted XXXX customer service via email since they don't have phone nos. and they only help through email. They never got back to me and the past 48 hours, I never heard anything from XXXX. I contacted XXXX XXXX they said, they will try to reach merchant and put my payment pending instead of clear but I will have to wait 15 days to file an A-Z claim. Once XXXX stepped in Merchant emailed me back and said, I should cancel my claim with XXXX and they will send me a replacement. I contacted XXXX the same day right asked them to cancel the claim since the merchant is willing to work with me. XXXX said they have not filed the claim yet and they will go ahead and email the merchant and I asked XXXX rep to CC me in that email, which they did. The next day I received another email from the merchant and they sent me a screenshot of XXXX balance being pending. Even upon, telling them multiple times that I have not filled any claim yet because XXXX waits for 15 days, the seller wasn't listening. I contacted XXXX again and asked them to double-check to make sure there is no claim, XXXX said, if seller is not willing to work with me it is better for me to file a claim with Discover otherwise I should wait for 15 days to get over. This whole conversation as happening on days 12 and 13. I contacted Discover and filed the claim with them instead. In the meantime, XXXX updated their website with tracking no. XXXX. First, they showed they were out to deliver but couldn't deliver because the customer is not available. on XX/XX/XXXX they updated the status being delivered. XXXX just dropped off the box instead of asking for my signatures. If they really attempted to deliver the package a day earlier than why did they put the customer 's not available if they didn't require my signatures? The XXXX was being nothing but shady. I contaced the merchant right away and sent photos of damaged box and product inside. I also contacted Discover dispute department and updated them about the whole situation. The merchant responded back and again said the same thing to cancel the dispute to send me a replacement. I contacted Discover to cancel the dispute, Discover rep said, it is better if I keep the dispute going because once I close it I will not be able to reopen it even if Merchant refuse to send me a replacement. After all this going back and forth it is better to keep the dispute active. Within 3 days, I received a call from XXXX regarding the claim that the merchant filed on the damaged package. I gave them all the details and they apologized for the inconvenience and said they will close the claim in merchants favor for delivering the damaged box and merchandise. In the mid of XX/XX/XXXX, Discover sent me a letter stating that the dispute has been closed in my favor and a permanent credit has been applied to my account including any interest charges. On XX/XX/XXXX, I looked at my statement and it showed that discover has reversed the permanent credit. I contacted Discover right away and spoke with a lady from dispute department, she said, they received an appeal from the Merchant, they are sending me a replacement instead so Discover closed the case in merchants favor automatically since my dispute was challenged. She said, she will reopen the dispute again but I must contact the merchant again and demand replacement first. I have never received any replacement. Discover wanted me to keep the dispute open so I would be at least on the safe side, just in case, the merchant doesn't deliver the replacement shipment. I never received any replacement and now Discover decided to give my money back to the merchant. At the end, I would hold Discover responsible for poorly taking this dispute. First, they gave me temporary credit and 30 days later they gave me permanent credit. And 120 days later they took the money out of my account and pay it back. While they were doing all this they never informed me about it.
05/04/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NJ
  • 07960
Web
XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX Cell Phone # ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Attention : Customer Service Group Discover Financial Services XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Attention : Customer Service Group SEEKING REFUND CREDIT OF RETURNED XXXX ITEM : {$530.00} XX/XX/2020 Dear XXXX & Discover Financial Services Customer Service Managers, I wish to bring a product return issue to your attention ( XXXX XXXX, XXXX ORDER # XXXX ) that I purchased on XX/XX/2020 ( Purchase price {$530.00} ). I bring this issue to your attention because this product was returned to XXXX. XXXX acknowledges receipt of returned product on XX/XX/2020 ; however, refund has still NOT been credited to my Discover Credit Card. To resolve this issue, I would like to receive a refund to my Discover Credit Card for the purchase price of {$530.00} as soon as possible. Below is a summary of events to date : 1. XX/XX/2020 Purchased Item from XXXX. 2. XX/XX/2020 Scheduled delivery date per XXXX. However, XXXX failed to deliver product to my house on XX/XX/2020 but incorrectly noted Delivered on my XXXX account. 3. XX/XX/2020 -I attempted to call XXXX Customer Service to inform that item was not received but was unsuccessful as all phone lines were not answered. 4. XX/XX/2020 launch a Charge Dispute through Discover Credit Card. Discover Card then issued a Temporary Credit/Refund back to my Discover card pending investigation. 5. XX/XX/2020 My neighbor delivers my XXXX item that had been wrongly delivered to his house. I immediately wrote a note to Discover informing Discover that I had received the product and was ok to pay XXXX. 6. First Week of XX/XX/2020 I returned the product to XXXX as I was not satisfied with it. 7. XX/XX/2020 XXXX acknowledges receipt of returned item. According to XXXX website, refund will be processed within 2 to 3 business days of receipt of item. 8. Over the past weeks I have reached out to Discover and XXXX multiple times to inform that I have still not been credited with the {$530.00} following return. Both parties have been unhelpful, and this continues to be a frustrating issue. 9. XX/XX/2020 reached out to Discover to follow up on issue once again Asked to speak to a Supervisor in the Disputes Resolution Dept. Supervisor could clearly see that refund had not been issued but was, again, very unhelpful, noting that it was possible that XXXX may have sent me a refund via check ( As a standard policy, I believe XXXX issues refunds back to the card or original means by which item was originally paid for ). Item was purchased with a Discover Credit Card so how is it possible that XXXX then decides to send me a refund via physical check OR Cash? 10. XXXX XXXX I again reached out to XXXX Customer Service via online Chat - XXXX noted that refund was sent to Discover Card on XX/XX/2020. They note that they did not recharge my Discover card when my neighbor delivered the product. Explanation does not make sense as returned item was received by XXXX on XX/XX/2020. I am now caught in a bureaucratic web between XXXX and Discover Credit Card. I have provided evidence to Discover that indicates that XXXX has received returned item. Discover Dispute Supervisor is now saying that it is possible that XXXX may have sent me a physical check for the returned item and wants me to prove that is not the case. How do I prove that? Send all my various bank account statements to Discover to evidence that I have not received the {$530.00} from XXXX? Discover Credit Card - why not simply reach out to XXXX to verify whether a refund was sent to me? In this intervening time, Discover Card continues to charge interest rate on my account for a product that is no longer in my possession. XXXX - Can you directly contact Discover to resolve this matter and issue this refund? I look forward to hearing from you as soon as possible to resolve this matter. I am enclosing copies of various supporting documents listed below. I may be contacted at the above address and phone number. Sincerely, XXXX XXXX CC : XXXX, XXXX CC : https : XXXX CC : ftc.gov/complaint ATTATCHMENTS : 1. XXXX Order Receipt 2. Charge Dispute email to XXXX 3. Letter to Discover Card follow delivery of item by neighbor 4. XXXX XXXX Return Acknowledgement notification 5. XXXX XXXX chat script XX/XX/2020 6. Discover Activity Statement showing XXXX charge
10/15/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • CA
  • XXXXX
Web
The last four digits of my new Discover it card number is XXXX. I called the bank a couple of months ago in XXXX, provided the bank with my temporary overseas address so they could send me my credit card. The manager from the credit card department at the time put the wrong address in the system due to which the card never arrived. On XXXX XX/XX/2020, I again called the bank and spoke to a manager from the credit card department named XXXX. XXXX updated my address and confirmed that she will get my new card mailed to me. After speaking with her, I logged in to the Discover App and noticed she has left the State and ZipCode completely blank, under City she has put the name of the country, and on the second line of the address the name of the city is completely missing. I again called Discover Bank on the same day XXXX XX/XX/2020 after XXXX minutes and spoke to a XXXX named XXXX. XXXX said the bank does mail cards to foreign addresses but the banks policy and system does not allow a foreign address to be put in proper order and therefore chances of me receiving the card is slim. He said it is the bank 's policy! If thats the case I would have to say this is the stupidest bank in the entire planet. On XXXX XXXX I again called the bank and spoke with a manager named XXXX. I asked the manager that this female manager named XXXX on XXXX XX/XX/2020 had sent the card in the wrong address because the address I see on my app is all wrong ( as I have mentioned to you before ). To my surprise, XXXX informed me that no card was mailed out on XXXX XXXX ; he informed me that the last time the bank mailed out a card to me was in the month of XXXX which never arrived anyway ( like I have mentioned to you before ). So basically the manager XXXX just lied on the phone, she never mailed out the card to me ( and she also put my address in the wrong format in the first place ). XXXX also said the address can indeed be put in the proper order which he apparently did, but before he could put the address in the banks system he asked me to confirm the security code which he has sent via email. There was a delay in receiving those emails due to which he said he can only send the security code via text message. He said he can send the security code to a foreign mobile number I kept holding the call. After a few moments he said it had gone out of his hands and transferred the call to the fraud department. The fraud department lady said she can not send the security code to any foreign phone number but only to a local US number. I told the lady that I have already informed the manager that at this time I do not have access to my local US phone number and that the manager has already confirmed to me that the bank can send the security code to a foreign mobile number. The lady said she cant do anything. I asked her to send me the security code via email again to which she said she cant do that either due to security reasons and thats the bank policy. Then she asked me to disconnect the call and call the bank again so the next manager or operator might be able to do it. So the banks security policy depends and changes from manager to manager. Under the name of so called policy, I became a big subject of harassment during that call. I again called the bank on XXXX XX/XX/2020 and spoke to a manager named XXXX. She first confirmed my identity via sending me a security code via email. Then she said the banks policy doesnt allow her to put a foreign address in proper format and according to her not receiving a card in mail due to the bank being unable to update the address in proper format, the bank is not responsible for that. She said she can mail the credit card out to me in the wrong address that she has got on my profile. Reference number for one of the above calls is XXXX. I dont have the reference number for all the above calls because only XXXX of the managers provided me with the reference number. The remaining managers I spoke with refused to provide me with the reference number for those calls due to again so called the banks policy. This is the craziest and stupidest thing I have ever experienced with any bank in my whole entire life. A bank saying their policy doesnt allow them to provide a reference number for the phone calls, a bank saying their policy doesnt allow them to update a foreign address in the correct format so I cant receive my card.
07/01/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MO
  • 63118
Web
On XX/XX/19, I purchased {$1100.00} in XXXX XXXX gift cards from XXXX These gift cards were used to book a flight on XX/XX/XXXX ; the email confirmation for this reservation, sent on the same day, clearly reflect the gift card numbers purchased from XXXX as the method pf payment ( s ). On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX received notice that the booking was returned to the cardholder and a new form of payment was needed as the ticket ( s ) status is SUSPENDED. I initiated a dispute with Discover about the transaction around XX/XX/XXXX. The case number for that dispute being XXXX. I was given a credit for the amount in dispute, but found out this was reversed on XXXX XXXX ( XX/XX/XXXX ). I was informed XXXX had provided sufficient evidence. This was a scan containing the gift card numbers they supplied me. I tried reasoning, saying why would I need to pay for the same flight if the gift cards were valid? I stated they ( Discover ) would see another transaction, this time from XXXX themselves, for the flight, as a charge. And I did have to charge the flight, the purchase occurring on Sunday, XX/XX/XXXX, at the terminal. I also uploaded this itinerary, showing the same flight number, dates, passengers, destination, etc as matching the original made on XX/XX/XXXX. I was informed by someone at Discover, perhaps XXXX on XX/XX/XXXX ( I spoke with so many people at so many different times trying to get this resolved the exact date eludes me ) that if I could get it in writing from XXXX that the gift cards were fraudulent, that would really help my cause. I submitted in writing that request to XXXX XXXX on Tuesday, XX/XX/XXXX. I did not receive a response until Monday, XX/XX/XXXX, and it was vague at best, stating the reservation had been canceled due to a dispute that was filed against the purchase. This was not sufficient for Discover. I then got it in writing, from XXXX after filing a XXXX complaint against XXXX, on XX/XX/XXXX, stating the following : " ... in reviewing our records, I found that the XXXX gift cards ( listed below ) that you mentioned acquiring from XXXX were purchased through unauthorized activity. XXXX | {$200.00} XXXX | {$200.00} XXXX | {$200.00} XXXX | {$200.00} Once this was brought to our attention, all reservations associated with the gift cards were canceled, and the money was returned to the credit cards used to purchase these cards from XXXX XXXX initially. We regret that this resulted in the cancellation of your, XXXX, and XXXX reservation. Although I was glad to see we honored the original fare, were sorry for your disappointment with having to rebook and pay for your familys reservation upon arrival to the airport. Please keep in mind that XXXX XXXX is not responsible for honoring invalid gift cards or refunding any additional funds applied to the reservation. With that in mind, the funds applied from the two additional XXXX gift cards ( listed below ) arent available for use or eligible for a refund. XXXX | {$200.00} XXXX | {$200.00} I called Discover on XX/XX/XXXX, telling them of the new information. The lady with whom I spoke, XXXX ( sp? ), stated that the case is closed, and they ( Discover ) would not take it up any further. I stated that this is new information and that my dispute center on discover.com states ( EMPHASIS MINE ) We have finished our second review of this investigation. Based on information we received from both you and the merchant, the transaction appears to be valid. We sent you a letter via mail or secure message at Discover.com about this investigation which includes a copy of documentation we reviewed. Please review this information and notify us immediately if you wish to continue this dispute. IF YOU HAVE NEW INFORMATION WE HAVE NOT CONSIDERED, WE WILL BE HAPPY TO CONTINUE WORKING ON YOUR BEHALF. I asked how Discover could possibly side with XXXX when they ( Discover ) have it in black and white that I was sold a bill of goods. The answer to this, and every other question I asked of them, was that the case is closed and they ( Discover ) would not take it up any further. And that I should try to resolve this with XXXX. That Discover is ( paraphrasing ) done with the matter unless they get it in writing from XXXX that a refund is owed to me. I have emailed XXXX, and have not heard back. And the odds of hearing back are ... not ideal.
06/14/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 93063
Web
As the world was heading into a recession back in the early XXXX 's, my family and I found ourselves in a bind. My husband was laid off from work two days after we found out I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We had large XXXX bills due and insurance premiums due to XXXX, no income from my husband and I was working part time. We used credit cards to survive. I tried several times to set up payment plans with Discover card, we even had paid for the insurance in case you lose your job, and no assistance was given. After a while, Discover claimed our account, which was less than {$3000.00} was closed and they no longer can assist us. Fast forward to XXXX and out of nowhere we get a hit to our bank account taking everything that was in there. After talking to the bank, we finally got information that the XXXX XXXX XXXX had gotten a levy on our bank account. I called their offices in XXXX of XXXX, to see what was going on. I spoke to XXXX ( ext XXXX XXXX, who literally told me I had to pay {$600.00} a month for 12 months or a lump sum, there were no other options. I mentioned to him that I do not recall even getting a notice regarding this, supposedly they were able to get a judgement and the account was also about 8 years old already ... He assured me that they do a one-time " hit '', take what they can, then close the account. Since then, XXXX XXXX XXXX has attacked our bank accounts a few more times, each time taking a little something, and never sending me any communication on the matter. They did take my son 's savings, which I had to fight to get back a few years ago. As I have looked on the court pages online, I see they got a Judgement on XX/XX/XXXX. I have verified with the courthouse that judgements expire in 10 years, unless renewed. They have not renewed. Also, they tried to take my son 's XXXX Account, this is a blocked trust account, this past XXXX, XXXX ... two years after the last writ was executed ( court said the writ is good for 6 months ), thankfully, my son 's bank stopped them from taking it, but now I see they filed something again on XX/XX/XXXX ... Few issues I have are : 1- they never validated the debt, I asked, they said " don't you have your old bills '' ... 2- the judgement is over 10 years old, no extension filed 3- I don't recall ever getting anything to appear in court 4- they refused any payment plan besides what they wanted, which financially I could not afford {$600.00} a month, I still can't ... 5- they told me they do a one time " hit ' then it's closed, obviously, that was a lie. 6- the last writ of execution was filed XX/XX/XXXX, yet they tried to take funds in XX/XX/XXXX and probably now XX/XX/XXXX. 7- if they got a judgement in XXXX, they literally stalled for years before notifying me, and in that were able to accrue additional interest charges, as I had absolutely no knowledge of this until I went to use my debit card, in a restaurant and found out all the money in the account was gone ( in XXXX!!!!! ), so they accrued 5 years of interest charges basically behind my back. I don't understand how this works, if a person were to commit a crime, they are innocent until proven guilty ... but if your family life is turned upside down, and you rely on credit cards to live ( who also raise your credit limit without permission so you spend more, even though you have called and asked for help to get caught up ), you are made to be guilty until you show up for a court date to prove otherwise, And, the person suing you doesn't even have to prove they notified you ... Collection calls come all the time, it's the same message, nothing is ever explained and they usually threaten you to pay over the phone that instant so they can get their commission. The debt isn't validated and pretty much any scam artist can call pretending to be a collection agency. Then they can file a case against you, knowing you won't know about court, and they will win by default. This is wrong!! The consumer is not protected in any way. Banks get bailouts, major companies can fraud the people, then be forgiven of their debt, and even more, they make tons of money and never pay a dime in taxes ... where is the protection for the people? Why don't we get a fair chance to explain our situation, set up a payment plan and pay what we owe, not additional monies to fatten these collection agencies???!!!
10/24/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 13760
Web
I recently became aware of an old Discover Card debt/Judgement that is being handled by XXXX and XXXX a debt collection agency. They currently have a lien placed on my property as well as collecting wage garnishments. First, it was very difficult to determine who was actually garnishing my wages. Once I was able to determine the order was executed by the XXXX County Sheriffs department, I was then able to determine that XXXX XXXX XXXX were the ones garnishing my wages. Much to my surprise an original debt of {$6000.00} ( original judgement amount $ XXXX ) had exploded to over {$13000.00} due to fees and finance charges. I contacted XXXX and XXXX for assistance with this as my paycheck is currently being garnished for {$310.00} per month and there is a lien on my home. I was simply trying to determine what the debt was, how it had gotten to the garnishment stage and what could be done with it. I was transferred several times before being connected to XXXX. From the moment I started talking to him the discussion was demeaning. He proceeded to quickly ramble off a bunch of dates and numbers. When I tried to ask questions, he scolded me for interrupting him. I respectfully sat back and listened. He proceeded to happily tell me that they were unwilling to work with me on the debt and that they would prevent me from refinancing my home, buying a home or selling my current property. He also proceeded to tell me there was no end date or timeframe in which the debt would be satisfied and the garnishments would end. He continued to infer that they could continue to garnish my wages for an undisclosed period of time. At that time the call ended with discouragement and despair. I have tried to reach XXXX and XXXX again several times since without success. Many times they would transfer me over and over and then disconnect me. One time I was transferred several times until it finally reached a voicemail to leave a message. The voicemail did not say a name, only an extension number which I stopped writing down after about the tenth digit. I have also emailed them in hopes to discuss a settlement option and an opportunity to have the lien removed from my house-they have not responded. I have processed an online form to request a settlement offer-they have not responded. I have several complaints regarding this judgement. First, I was not personally served with the papers in XXXX. The judgement was placed by default. I was then told by XXXX and XXXX that I was sent papers in regards to wage garnishment in XXXX. I do not recall receiving such papers. I was also told by them that they sent papers to my company in XXXX to start the garnishment and that my company failed to respond or start the garnishment. Upon further investigation, I have discovered that the papers were not served to my company. They were served to an address in XXXX, NY in which I never worked. My company is located in California. Therefore they were never received by my company and executed ( it is the same company I currently work at ). For six years there was no communication regarding this debt, garnishments etc. which then allowed it to accumulate 9 % interest over that time to the sum of over {$7000.00} of finance charges and counting. Since XX/XX/XXXX I have paid a total of {$5400.00} in garnishments-nearly the amount of the original debt. In XXXX, I was never notified that the garnishments would begin, how much would be garnished, where the money was going and what the balance was or any kind of payoff date. I have not received one single statement showing how much has been paid year to date, how the money is distributed or a current updated balance. I was literally trying to work with this company to clear this debt if it in fact was owed and move on with my life. I am very discouraged by the unfair practices of this company, their demeaning attitude, their lack of concern to even return my communication efforts and especially their free ability to take my money from my earned paycheck for an undisclosed period of time while collecting exorbitant interest and placing a lien against my property even while they are collecting money from every paycheck. My biggest complaint is the improper service or lack of service of the notifications involved with this. I dont feel confident that even if a resolution were to take place, they would uphold their end of the bargain.
10/22/2018 Yes
  • Student loan
  • Private student loan
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 35211
Web
Prior Case No. XXXX was back in XX/XX/XXXX and I got a response within 60 days after Discover needed additional time to investigate. The claim was proven to be valid and I do not agree due to reporting financial hardship prior to an agent at Discover! Discover indicated several calls were made in an attempt to give me payment options to bring the loan current. I agree I did not answer every call they made because I had already advised the agency of my financial hardship and I thought it was notated per their recordings saying that calls are monitored for quality service, as well as I told the agent before this lapse in payments had ever occurred. I have been given so much misinformation from Discover and their employee as well as managers. I have been told that the debt is valid and even if I notified them I should have made a payment, which I could have not at that time. I have been on calls as of last year XX/XX/XXXX, which I have proof of due I recorded the conversation that I had with agent. The agent told me that after the first 3 months of forbearance that I took in XX/XX/XXXX-XX/XX/XXXX no forbearance was ever offered again per their notes and records since then until charge-off in XX/XX/XXXX. Since then I made several calls and and kinda gave up for a while. I received correspondence that shows XXXX XXXX Who was my Servicer for this loan was now sending all loans to discover and that they will no longer house loans or payment information for Discover private loans. At that point I decided to call in as of XX/XX/XXXX which I spoke to an agent name XXXX. XXXX reviewed my account with a manager and they came up with a conclusion that my account was charged off erroneously and that they were submitting a ticket to get this removed off my credit and it would take about 2 weeks. After two weeks went by I called again to check the status and spoke with XXXX on XX/XX/XXXXand he stated he saw the reversal trying to be made I just needed to continue to wait a while longer due to the new system it was not allowing Discover to reverse the discharge off my credit within normal timeframes. Now lets refresh I only called in to check on this loan on XX/XX/XXXX due to XXXX and her manager on that call told me it was an error and that all of this was incorrect they were unsure how it happen. Back to the facts, I was kinda weary I hadnt heard anything so I called back on XX/XX/XXXX and spoke with an agent named XXXX which she stated she saw the ticket but no changes had been made and she was going to escalate it up to her manager XXXX. They told me to continue to wait for it is taking a while, so I did. On XX/XX/XXXX I called and spoke with an agent named XXXX and she alleged she didnt see anything on my file as for as a reversal of the charge off. I was furious for I would have not been waiting if the agent XXXX and her manager would have not said it was incorrect from the beginning. At this point I was livid. She said she would investigate the issue and to call back in two weeks. I said sure. On XX/XX/XXXX I called Discover to check the status at this time the agent advised me that due to the time of the Call that the department that needs to look at my case was not available and to call back tomorrow Around XXXX mountain time. I said okay fine. A few days later I got a call saying sorry for the wait and misinformation but the charge off is correct and will stay on your account. I was livid but I was mentally tired of the back and forth. That was in XX/XX/XXXX. Now let me remind you my loan charged off on XX/XX/XXXX. Why would I receive a letter dated XX/XX/XXXX saying my loan is now in default and that this same account is now being charged off as of XX/XX/XXXX with a new Balnce due to accrued interest. This is not possible. No way! So I called in as soon as I got the letter and this is now on my credit report as of XX/XX/XXXX like its brand new that Discover has now reported new missed payment information for a year and a half as well as the new balance. My credit score has went down from a XXXX to a XXXX from the first charge off and now just with that update it has went down to a XXXX score because of false reporting of this new information/ balance. I have open disputes and filed several complaintswith all agencies possible before and now Im having to due this again for this is definitely a violation of the fcra.
05/16/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • CA
  • 90802
Web Servicemember
I am writing as an extremely dissatisfied consumer, regarding a dispute open with Discover Bank and a charge from XXXX, a company who broke medical protocol and whom promised verbally via phone and in-person a 25 % discount on services that they later did not honor. In previously communicating with Discover -- a representative named XXXX -- I was extremely detailed in my narrative and information sent regarding this dispute, and was advised that the Executive Office would work closely with the Disputes department to ensure timely and fair processing of my claim. On XX/XX/2019, I was very distressed to find that Discover sided with the merchant ambiguously and canceled my claim, even in lieu of the vast information provided by me to Discover 's offices. Discover opted to side with the merchant even in lieu of a vast lack of information provided by the merchant -- including not providing signed consent forms, forms with missing signatures, and an unrecognized signature on said receipt from the visit. In addition, the merchant ( XXXX ) refuses to speak with me at all, rendering it impossible for me to recover these funds as Discover also refuses to aid me in my concerns, and the Executive Office has become despondent and unprofessional in their dealings. At this time, I am requesting an immediate reopening of this claim versus XXXX and reversal of the decision to side with the merchant even in lieu of my extensive submitted documentation, as Discover has not done right by me, the customer. This, also even in lieu of the vast information provided and the proof of medical protocol broken by XXXX. In addition, I have told XXXX, a Disputes Manager with Discover Bank, that XXXX is refusing outright to speak to me via phone and not returning my emails and hanging up when I call them, rendering it impossible ( through no fault of my own ) to recover documents to send to Discover regarding this dispute. I do have several emails back and forth between XXXX ( XXXX Patient Consultant ) & I regarding the dispute, and their ongoing outright ignoring of my requests for assistance. While I also filed a grievance with the XXXX XXXX XXXX, XXXX ignored this complaint and did not respond. To date, XXXX ignores my requests for assistance and will not speak to me about this matter, rendering my only capability of recovering my funds for this dishonored promise and breach of medical protocol the dispute process with Discover Bank. This company admitted verbally ( a contractual agreement upheld even in courts of law ) to refund 25 % as a courtesy due to misinformation provided me ( XXXX, XXXX Patient Consultant and XXXX XXXX, XXXX Operations Manager ), and then proceeded to ignore my requests for contact and resolution as I had already filed a dispute with my bank ( Discover ) ; to date, this ignoring of my phone calls and emails continues, leaving me with no recourse other than to dispute with my bank, which I have done. The fact remains that not only medical protocol was broken by the merchant in neglecting to take Before & After photos of my procedure, further rendering it difficult to get their treatments corrected at another practice in addition to not being able to recover my funds via the dispute opened with Discover Bank, as they refuse to assist me at this time further -- a fact that is both appalling and unethical. To date, this matter has caused me severe distress during an already difficult time, and it is my hope that we are able to immediately resolve this matter in my favor given the detailed information I have provided -- now including XXXX 's outright refusal to speak to me regarding my issue or the promise of their refund. I am requesting that Discover Bank be investigated for their practices of simply accepting merchant 's word over the consumer 's, even in lieu of documented narratives, missing paperwork on part of the merchant, and the refusal of the merchant to provide recorded phone calls to prove my claim of the promised discount. It is is no way the fault of the consumer that said merchant is refusing to speak to me, and in the state of California, a verbal contract is a legally binding contract ( promise of said discount ), another fact that Discover has ignored. As a result, I am requesting immediate resolution to my concerns through the Consumer Financial Protection Bureau and Discover 's Executives.
01/08/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 11205
Web
I'm afraid that I can't provide exact dates ; this has been going for 13 months. I'll try to make this as clear but as brief as possible. I ordered a guitar for {$5100.00} from a merchant in XXXX in XX/XX/XXXX. He didn't mail it in the specified amount of time so I cancelled the order. At that point, the merchant said that he'd already put the guitar in the mail but he could stop it, even though he'd still have to pay shipping. I stupidly agreed to split that {$160.00} cost with him, a choice that has added to the problem. As weeks went by, it became clear that, even though the merchant said he'd refunded my money, he had not. I tried to work with the website I bought the guitar over, one that said it guarantees all purchases but they said that because the payment went through XXXX -- irrespective of whether we used XXXX on their site -- they couldn't guarantee it. So I went to XXXX and tried working with them, but that became impossible. That website is called XXXX, and as far as I'm concerned, they're as much responsible for this as Discover. They charge large fees that are meant to provide protection against scammers like this. So in early XX/XX/XXXX, I filed a dispute with Discover. In XX/XX/XXXX, Discover mailed me to say that they found against me, even though they had documents that I'd submitted in which the merchant said he owed me {$5000.00}. When I called, they agreed to reopen the dispute. A few months later, Discover claimed that they found in my favor. That meant to them that they refunded {$80.00} of the original {$5100.00} to my card. Clearly, they made a mistake and refunded {$80.00} instead of the {$5000.00}. From here, the black hole that is Discover began. It took months for me to get Discover to admit that agree that {$80.00} was the shipping charge, not {$5000.00}, as if anyone would pay over XXXX XXXX to ship and item worth less than {$100.00}. I was then told that I needed to submit more documents, which I did. Since then, it's been one excuse after another : They required me to get documents from the merchant, even though it's not obvious that he's a scammer ; hence, why would he give me documents that prove that? They have brushed me off each time I call, saying that the case has been escalated and someone will get back to me shortly. Of course, no one ever does call me back. Not once. I've had at least 15 supervisors promise me they'd call back. And every time I call, I have to go through their whole system before I get a supervisor. That person then needs to review over a year of notes, so they put me on hold for half an hour. They then tell me that they'll make some notes and have someone call me back. If I'm lucky, they'll tell me what the last action taken was. For the last four months, that action has been something like this : " Last week, the group that decides these cases met and went over your documents. They were unable to make a final determination, so they've escalated the case. '' It has probably been escalated from one final group to the next " final '' group half a dozen times. Meanwhile, the charges remain on my card, the interest accrues, my credit is negatively affected, and there is zero leverage that I have over Discover, absolutely nothing I can do about this situation except to call ad infinitum. To be fair, I've done that part for over half a year and it's made no difference. After all of this, I'm right where I started : facing the charge on my card, in possession of no guitar, and being told nothing more specific than that it's being worked on by the new escalation team. From here, I have no idea how to proceed. So I'm turning to you for help. Hopefully, this write-up is coherent without being too detailed. I've left so much of the pain and heartache out of this because it isn't absolutely required for the matter at hand. Please let me know what more information I can provide, though. A final and important note : Only one supervisor gave me his complete name. That is XXXX XXXX, a supervisor who works in the XXXX, OH, dispute office. He also admitted that Discover made an error, that he would make sure it got fixed, and he made clear that while it was too late to recover the funds from the merchant, Discover would pay it because it was their mistake that made the timeline pass for when they could have recovered the funds from the merchant.
07/24/2017 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Banking errors
  • VA
  • XXXXX
Web Servicemember
Dear FDIC and CFPB I am a customer of Discover Bank, which is regulated by FDIC and which does substantial consumer financial business. On XXXX XXXX XXXX, I received two identical false letters purporting to be from Discover Bank that alleged that we had changed our address from a stated address to the same stated address. We had neither made nor authorized any address change. Puzzled by this repeated false allegation, I feared it might signal that someone had breached Discover Banks security and that this was a signal that account holders files had been breached and that addresses were being changed, or were subject to being changed. I learned from an earlier breach at Discover that account hackers sometimes change account addresses to misdirect the next statement, while they raid the account. So I called a trusted number at Discover and spoke to a Discover employee XXXX XXXX, in XXXX [ All Discover employee name spellings in this message are my phonetic spellings based on verbal exchanges on the phone. ] XXXX referred me to XXXX in XXXX XXXX XXXX a Document Specialist Supervisor who orally reassured me that this is a known problem in which Discover sent out many of these false letters, in duplicate to customers whos addresses had not changed. I explained that I needed a written explanation of what happened that caused this. XXXX explained that they would not be willing to provide a written explanation other than that this was a mistake, and that our account had not been compromised. I said OK send me that. She said she couldnt guarantee that would happen but she would submit a request, and it would take 2-3 business days to submit and any response would take 7-10 business days to reach me. She said they would let me know if they chose to refuse to even confirm this error. She did not. Having heard nothing back from Discover Bank on this inquiry, I called Discover again on XXXX XXXX XXXX and got XXXX XXXX in XXXX who checked and determined that that letter request was declined on XXXX XXXX by one of Discovers customer advocacy agents, XXXX XXXX in our Delaware office, and no one had relayed that information back to XXXX, which explains why I did not hear back from XXXX. XXXX XXXX XXXX MON XXXX I called Discovers Executive Office of Customer Advocacy at XXXX, got XXXX, who transferred me to XXXX XXXX, who several times confirmed that it was declined and finally, on the third request, admitted that she was the one who had declined it, and said that was according to their procedures. I asked who ( individual, executive or office name ) had written that procedure and she said she could not provide any of that information about the authorship of that procedure. She said their email address was XXXX. This letter is to : 1. Notify you, if Discover Bank has not already done so, that Discover Bank says it has sent out many of these duplicate, false letters to account holders, but has declined to provide any written acknowledgment to an affected customer, nor any reassurance that this was not a failure of computer customer data security. 2. Request you, as cognizant government agencies, to require this regulated bank to follow up with all affected customers with at least a reassurance that this was a blunder within the bank and was not a signal of any customer account data breach. 3. Request that you prevent regulated banks from positioning employees in the risky position where they take actions with bank customers based on anonymous Procedures, but are commanded not to reveal the office or officers in the Bank who dictate those procedures. Such managerial cowardice puts customers and individual employees in the position of being unable to identify who is actually responsible for bank actions ( good or bad ) that may hurt consumers, or violate rules, regulations or laws. Recent public reports of employees at XXXX XXXX being disciplined or discharged for evidently following procedures regarding opening new accounts in customer names without the customers knowledge or permission make this a frightening possibility for any bank employee, and a threatening one for consumers. Sincerely, XXXX XXXX XXXX, XXXX. Consumer p.s. I will be on the road XXXX XXXX XXXX, so I will appreciate any response in the normal course, and will be unable to provide substantive email communication during that time.. cc : XXXX
10/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • UT
  • 84045
Web
Hello, to whom it may concern please see my statement regarding an issue with a " late payment '' reported by the credit card company " Discover '' as they have reported a late payment that should not have happened in the first place due to an technical or miss understanding by there internal support team when contacted by me. I carried a balance with Discover due to being in a bad financial situation economically from COVID-19 in my business and how I was operated I was required to carry that balance and pay the minimum payment. I did not want to miss a payment as I have never had an issue with loans, credit cards, billing etc on being late or missing payments. I have had the card with Discover since XXXX with good payment history. It is a " business Discover it '' card. I called and spoke with a rep on XX/XX/XXXX when I noticed I was going to need to only pay the minimum balance on the account. I spoke to the rep for 15 minutes regarding being placed on Auto Pay and was under the impression from the conversation with the rep that I was placed on Auto Pay by them and good to go so that I would not miss a payment as I wanted to keep my account in good standing and not effect my perfect payment history on my credit score. I then got an alert about my credit score that I had a missed payment reported and was completely taken off guard as I was not aware that I was missing payments. I Immedi ately went into my account and settled the missing payment and called Discover again to explain my situtation and how I was under the impression of being on Auto Pay with them. They spoke to me and mentioned they must report what is accurate to the credit bureaus but I mentioned that they are not correct and I was placed on Auto Pay and assumed they were taking the minimum payment on my balance with them as I have never had an issue and never got a phone call or text from them. Which they later mentioned it is because they did not have a phone number on file with them for me. This was then just updated by Discover to now have my phone number for alerts. So I never even knew I was late because no one reached out to me. I also mentioned that I had a phone call with a rep on XX/XX/XXXX and that they spoke to me and said that I was on Auto Pay so I was not worried about the account being paid because I never thought that I was missing payments since I did not hear from anyone and was under the impression my account was in good standing. - I then mentioned if they had record of me calling them on XX/XX/XXXX and they mentioned that they can see that I did have a phone call with them but they do not have any record of what was discussed because the rep never took any notes on the call. So they are inaccurately reporting there information about me not being on Auto Pay with the phone call that I had with there rep that set me up. I have disputed and reached out to them multiple times to have this removed on there end as they are incorrect and reporting miss information from a technical or error from there rep of placing me on Auto Pay. This is a business Discover It card so I assumed that they were taking the money out of our business account each month as we have thousands of transactions that take place in that account there would be no way for us to know if it was or not as we assumed we were from my 15 minute phone call with Discover on XX/XX/XXXX. Please review this information and request that my late payment be removed. They have closed down the account and will not take the 30 day late payment that is being reported off my credit report but it is clearly a mistake on Discover for miss leading and taking advantage of me when I am always in good standing and organized with my finances as shown in my credit report and relationship prior to the phone call with the rep on XX/XX/XXXX. Thank you again for your time and help. We hope that we can take this off as it is effecting my family for we are trying to close on our home and this has dropped my score and caused concerns for lenders dramatically when it was not my fault for the late payment being reported since it was supposed to be on Auto Pay and I never got a phone call or text about the missing payments since they did not have my phone number in there system even after providing it to them from the begging of my credit application with them.
10/12/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • TX
  • 77494
Web
This about a credit card with Discover Card. My wife and I have a joint credit card we have operated sin XXXX and we have never missed a payment. Last month ( XX/XX/XXXX ), we did a balance transfer from a different financial institution for a balance transfer of {$7400.00}. As at the time the balance transfer hit our discover on XX/XX/XXXX the statement balance on our discover account was {$1200.00} leaving a credit on our discover account for the amount of {$6200.00}. Kindly not that our credit limit on our discover credit card was {$5000.00}. So I called discover card over the phone and also sent them a secured message on XX/XX/XXXX ( the next day ) for a credit refund of the balance which was the amount of {$6200.00}. The next day which was XX/XX/XXXX I got an email from discover ( see attached email trail ) that the check of {$6200.00} has been mailed to our address on the account. Now, learning that the refund check has been mailed, I made three transactions for a total value of {$2800.00} on XX/XX/XXXX. On Monday XX/XX/XXXX, I logged on to my discover account to check my transactions the previous day, then realized that the check refund I was told in the secured message that has been mailed had not yet reflected on my account. So I wrote to discover through their secured message, wanting to find out why my account is not showing the refund statement yet. That was when I got the first of many responses contradicting what they said they had done. So there and then I told Discover that they should make sure that they refund the complete {$6200.00} as stated in the message on the XX/XX/XXXX because it was on that premise I made those new transactions because I have enough credit limit on the card for those new purchases it should not be deducted from the credit from the balance transfer. I was assured they would do exactly that and refund the {$6200.00}. Which they did because my account statement showed the credit refund of {$6200.00} on XX/XX/XXXX All of that suddenly change the next day when the account was put of fraud alert and I realized I could not log in and that I had to call Discover. When I called I was told that they were suspecting the balance transfer and had to verify the source of the money. The first question I asked them was, if they felt that way about an account that has never missed a payment for over 6years, why did they not return the balance transfer rather than locking down my account and threatening to close the account. That was when I realized they were up to something shady. So my wife and I got on the phone with Discover representative and a representative from XX/XX/XXXX, the bank that made the balance transfer of {$7400.00} and the whole issue of fraud or no fraud was resolved that day, XX/XX/XXXX and my account became accessible again. To my utmost surprise, on the XX/XX/XXXX, 4 days after the whole issue with the so-called fraud alert was resolved and five days after the credit refund statement on my account, and nine days after I was told the check has been mailed, Discover on their own reversed the payment of {$6200.00}. I was in disbelieve. So I took the matter up and called their corporate customer service number - XXXX XXXX XXXX and spoke with one XXXX XXXX, who said he was going to resolve the issue. The next day or two, I got a message from their secured message that they are not going to honor the check of {$6200.00} because they had an investigation after they mailed me the check - an investigation that was a complete witch haunt that led to nothing. The bottom line was that they want to use my credit balance to offset transactions made after I have been informed that my credit balance has been refunded. Discover wants to earn merchant credit with my refund balance and they think they can get away with it. Few days later on XX/XX/XXXX, they mailed me a check of {$3400.00} leaving the account with XXXX balance and using my credit refund to pay for those transactions. What this people did in Discover - XXXX XXXX and his team is so mean spirited and it is wrong. They felt they had the means to intimidate a customer who is simply a consumer that is trying to meet his financial obligation but unfortunately fell into the hands of very mean and insensitive people in Discover who are willing to rob a client for their selfish gain.
10/23/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OR
  • 97007
Web
I am writing to provide further details regarding Discover Card 's handling of my dispute concerning charges associated with the merchant, XXXX. The core issue extends beyond the disputed charges ; it is about Discover Card 's inconsistent communication, evasion of direct questions, and lack of transparency throughout the process. Summary of Discover Card 's Inadequacies in Handling My Dispute : Evasion and Deflection : Throughout my interactions, Discover Card consistently dodged direct questions, often changing the subject or providing generic responses that did not address the specific issues raised. This approach is not only unprofessional but also undermines the trustworthiness of the institution. Contradictory Statements Regarding Merchant Response : A glaring inconsistency arose when an employee from Discover Card indicated that they had received a response from XXXX concerning the dispute. However, a subsequent conversation with a Discover Card manager revealed that they had not received any such response. This contradiction is pivotal, as their initial claim was a significant basis for their preliminary decision. Failure to Address Key Points in My Evidence : I furnished Discover Card with a robust collection of evidence to support my claims, including voice recordings of conversations that highlight Discover Card 's inconsistent and contradictory responses. Despite presenting this evidence, Discover Card failed to adequately address or refute the points raised, essentially overlooking the crux of my complaint. Absence of Evidence from XXXX : While I provided a wealth of evidence supporting my position, XXXX has not presented any documentation or evidence to counter my claims. Despite this lack of counter-evidence, Discover Card 's decision seemed to unduly favor the merchant. Core Concerns with Discover Card 's Handling of the Dispute : Evasive Conduct : Throughout the dispute resolution process, rather than addressing my concerns head-on, Discover Card resorted to evasive tactics, sidestepping key issues, and failing to provide clear answers. Their approach not only lacked professionalism but also frustrated the resolution process. Dodging Responsibility : Despite presenting a wealth of evidence to support my claims, Discover Card exhibited an inclination to shirk responsibility. Instead of examining the evidence objectively, they seemingly sought ways to absolve themselves of any obligation to rectify the situation. Breach of Contractual Obligation : As a credit card company, Discover Card has a contractual obligation to act in the best interests of their customers, particularly in shielding them from potential frauds. Their handling of my dispute clearly demonstrates a lapse in this duty, exposing me to financial harm and undue distress. Misrepresentation of Merchant Response : A pivotal inconsistency arose in their communications. I was initially informed that a response had been received from XXXX. However, upon escalation and further probing, it became evident from a manager at Discover Card that no such response was ever received from the merchant. This blatant contradiction calls into question Discover Card 's transparency and integrity in the dispute resolution process. Now I am providing concrete evidence that Discover Custtomer Service lie about they received response from merchant while they did NOT receive anything, it was not my words, it was Discover Manager 's word. and here is the recording of the conversation XXXX XXXX XXXX XXXX and this is the XXXX XXXX XXXX complaints that this merchant received and you can clearly see it was a scam business using the exact same patented fraudulent tactic on everyone XXXX XXXX XXXXXXXX Given the outlined issues, I urge the CFPB to : Conduct a deeper investigation into the inconsistent and evasive actions of Discover Card. Ensure that financial institutions provide clear, consistent, and transparent communication to their consumers, especially when disputes are concerned. Direct Discover Card to furnish a clear and specific response that addresses each point of contention, rather than offering generic or evasive replies. Thank you for your dedication to protecting the rights and interests of consumers. I trust that the CFPB will address this matter with the seriousness and diligence it warrants.
12/26/2017 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • IL
  • 60625
Web
I have set up auto debiting of payments to my Discover Student Loan account each month on the XXXX. On XX/XX/XXXX, I noticed that no money had been drawn from my checking account. However Discover 's online interface said that a payment was scheduled to be debited on the XX/XX/XXXX. The XX/XX/XXXX was a Sunday. On XX/XX/XXXX ( Monday ) I looked at my checking account and found that as of the XX/XX/XXXX, no money had been debited from my checking account. Looking at the Discover online interface, I saw that Discover was listing my account as past due. The amount due each month is {$290.00}. I arranged for an electronic bill-pay payment from my checking account in the amount of {$300.00} to cover the full monthly payment. That electronic payment was send from my checking account on the XX/XX/XXXX. Both Discover and my bank confirm that this {$300.00} payment was received by Discover on the XX/XX/XXXX. However, when I checked my checking account on the XX/XX/XXXX, I found that Discover had auto debited {$290.00} effective on the XX/XX/XXXX In effect this meant that I had double paid for the month of XX/XX/XXXX. I called Discover and they stated that since I had paid the {$300.00} payment through bill pay, the best way to correct the double payment would be for my bank to cancel the ACH debit. I spent an hour on the phone with Discover to make sure that they would properly allocate and credit the {$300.00} payment and that the reversal of the ACH would not cause any problem. However, I received an abrasive phone call from Discover on Saturday XX/XX/XXXX demanding payment of {$470.00} dollars. They claimed that I was late in making my monthly payment. I asked to speak to a supervisor. They informed me that the {$300.00} payment had been misallocated and that they would fix it. The fix would take several business days. They assured me that there was no problem and that the reallocation would correct any problems with the account, and that I could disregard the late payment notice, and the invoice for {$470.00}. Nevertheless, the next day, XX/XX/XXXX, I got a notice from Discover stating that since my ACH had failed, they were cancelling the interest rate reduction benefit I had been receiving for 10 years by allowing auto debit. This is outrageous and directly contrary to what I had been assured would be a solution to the issue by Discover. This notice is unwarranted and makes false statements. First, it states that my ACH debit has failed a second time as of XX/XX/XXXX. This is untrue. The ACH did not fail. I was told to reverse it by Discover to correct their erroneous double billing. Second, it should be pointed out that Discover fraudulently double billed me in XX/XX/XXXX. At that time, I was told that the confusion was a result of the fact that Discover instituted a new billing system. I am disturbed that I am in receipt of a notice of revocation of my .25 % interest rate benefit because the Discover billing system implementation is fraught with problems and incompetence. I have had a flawless record of full and timely payments for a decade. It 's outrageous that after so much effort to correct errors caused by Discover that I was sent a notice revoking a .25 % interest rate reduction. I request : - a corrected statement for the current month indicating that the full amount has been paid and in a timely fashion ( this should supersede the erroneous statement claiming that I am delinquent and that I owe Discover {$70.00}. -written assurance that no negative information is being or will be reported to any third party -written statement assuring me that my .25 % interest rate reduction will remain in place and that the letter purporting to revoke it was sent in error by a flawed computer system -assurance that the billing issues that have caused me to be double charged twice in the space of four months will be addressed so that i no longer have to waste time money and energy on this issue. I should note that there has never been any issue with making payment to this lender until they decided to implement this new billing system. I appreciate any assistance in addressing this issue with Discover. I regret bringing this problem to this forum, but I feel that I have no other recourse having tried to address it directly with Discover but without success.
10/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 91790
Web
My name is XXXX XXXX XXXX . I am filing this complaint because I have exhausted all of my possible options to rectify a situation in which my credit card company " Discover card " refuses to rectify even after they admitted to the error being on there behalf. I have been trying to get this matter resolved for about a year now. I have even worked closely with one of the XXXX credit reporting company to resolve the issue but after months of trying to resolve the issue through them, I was told I could only fix the problem through discover card, they could only make a note of the error. The error that I am referring to is Discover card had reported my account late on payment 3 times resulting in my credit score to drop XXXX pts. I have been with Discover for 6/7 year and I have been in good standing throughout the duration and I continue to do so even today when they have not fixed the error. I am currently homeless living In XXXX paying XXXX a month to stay here because my once excellent credit score is to low to get approved for a home. The error accord when back in XXXX/XX/XX/XXXX this is during the pandemic. I reached out to them to see what pandemic relief programs were available because most of my other credit card had programs. My mother was going through a really bad divorce at the time so I moved in to help her but she was forced to sell the home in the divorce so I was trying to get a jump on all my finances so that's why I reached out. I then consulted with a young lady in which she came up with a program in which my monthly minimum payment would increase from XXXX to XXXX a month and it would keep me current in terms of my payments. Which I agreed to because I she said by doing so I wouldn't be reported late. So I moved into a hotel with my mother for 3 months while we looked for a home. finally found one and was denied do to my credit score. Thats when I realized Discover was reporting my account late even though the program the young lady put me in was taking the amount out of my account monthly through automatic payment. So I didn't realize the dip in my score because to my knowledge the money was coming out of my account. Once I found this out I immediately contacted Discover to rectify the situation. This is prime time in the pandemic most ppl were working from home. So it was difficult to actually get a manger on the phone or find anyone who could resolve this issue. I finally got a manager after weeks of sitting on hold being transferred day by day to get someone who either transferred to someone who couldn't help or just simply hung up. I finally got a manager in which understood what happen then credited my account XXXX dollars do to the error on behalf of the employee who essentially put me in the wrong program which wasn't making my account which was the reason for me calling in the first place. I let several people know about he situation I was in, pleaded with several ppl who simply didn't care and didn't want to fix the reporting side of the issue which was do to the fact there employee was misinformed and then misinformed me. I was told I had to go through credit bureau ( XXXX ) etc to remove the late payments, eventhough the money was automatically coming out of my account every month and is still doing so till this day. I then filed disputes with XXXX which took more months to resolve which finally they said we can make a note of it but Discover is the actual one who has to remove the wrongful late payments. I Still call and try to get them to fix this error, employees understand that its an error but no one has any intent on helping me fix this. I am literally homeless and I have never had a late payment with Discover. I don't know what to do at this point. I just understand that it is not fair practice for them to do this to people who haven't done anything wrong. I have been the standard of customer as I said I have never had a late payment in 7 years. So to whoever is reading this I am pleading someone to help me bring this to resolution. I have attached the 3 months in which I was being reported late and the money was automatically coming out of my account. I also never received in calls from them to bring me current. I also have file showing Discover credited my account XXXX dollars because they admitted the error was on there behalf.
05/02/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • 336XX
Web
On XXXX XXXX XXXX , I called Discover at XXXX . I notified them that I had discovered that since XXXX XXXX XXXX , I was charged an unauthorized recurrent monthly fee for an item that I searched for online linked to a " payment protection program ''. As a result of this, and as I have my bank account automatically pay the discover card account minimum payment, I have been charged hundreds ( over XXXX at least ) of dollars on this fee. I notified them that it was fraudulent, that I had never enrolled in this program or asked for this fee, that I still have n't even enrolled activated it on my online portal as I never asked / did n't even know I was enrolled in this service, and that I needed to have the charge investigated into and would like a case number to track progress. The gentleman on the phone said that the best they could do was " refund the past 6 months worth of charges ''. I told him you do n't understand, this is fraud and I need the entire situation looked into. I was told that their fraud department was an " internal department that I was not allowed to speak with about this '' and that their " policy '' was to simply to refund 6 months and that was all that could be done. I notified him that the answer was non-satisfactory, that I have a fraudulent charge on my account dating back to XXXX XXXX , and that I need an investigation to be conducted on this matter, the charge immediately cancelled, and the funds that were paid for it unknowingly back. He said that they had a call notated in the system on XXXX XXXX XXXX stating that I asked for the service and I told him that was incorrect and I never requested that service. I also told him that I want that call to be played for me as if they could demonstrate that I enrolled in this process over a call, they would need to have voice verification and that would satisfy my inquiry in its entirety, and that I was certain there would be no authorization on my behalf on the call. He told me there was no such voice recording of the call and that there was basically no proof that I ever enrolled in this program besides a note in the system on the aforementioned date. Overall, I have been fraudulently charged by Discover for a program I never enrolled it, have been told I could n't be refunded more than the last 6 months of charges due to a " policy '' associated with this very matter, have been told that they could not prove that I ever enrolled in a program as they were not in possession of any evidence ( a voice recording since they claim I authorized it over the phone ) besides notes left in the system by an individual, and was told that it was not fraud and they would not look into the matter further via a department concerned with unauthorized charges. I continued to reiterate my frustration and that this was indeed fraud and was told " a XXXX might give you a call tonight or tomorrow '' about the situation, but would simply tell me precisely what he was saying. There have been law suits over this, the internet is swarming with detailed stories associated with this very matter, and Discover is not receptive to investigating into this fraud and refunding me the amount taken from my account since XXXX XXXX of XXXX . Upon speaking to their online team via chat, they notified me ( I have a screen shot ) that " the payment protection plan is actually a service that was offered thru Discover and we can credit back fees for it to you. Our XXXX team can not dispute charges from that XXXX , so you would need to contact that number I listed and they can credit the charges back to you. '' The " Head Supervisor '' of the XXXX Department, XXXX XXXX , based out of the XXXX XXXX then gave me a call to state that he was the end-all resource for complaints of this nature. He reiterated that they would not pay back anything more than the last 6 months of fees, which was over XXXX dollars, that they would not investigate into my matter further, that the fraud department and all other departments would not be of any further assistance as he is the final resource, and that even if I am telling them that fraud was committed on my account, it would not be looked into further and the only option I had was to have it cancelled and to accept the XXXX dollar credit.
03/07/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60564
Web
On XX/XX/XXXX I ordered two XXXX watches from XXXX 's online store - at the time of purchase, when I created a new account, I received an email stating that a 25 % discount coupon was added to my wallet. However, I tried multiple times and the online store wouldn't allow me to retrieve the coupon and so I put the order thru ( using XXXX as the payment gateway on my XXXX Credit Card ) and immediately contacted one of their online agents who advised that due to a system glitch, the coupon was not applied, but he manually adjusted the order value and confirmed that the coupon was applied and I would receive a confirmation email within 24hrs confirming the adjustment. That never happened, so I ended up speaking with multiple XXXX 's agents over a period of 10 days who all confirmed that the 25 % discount has been applied on their end and that I would have to wait till the items were shipped out ( XXXX 's event triggered a revised invoice at the time of dispatch which had the 25 % adjustment ) and then someone from their team ( by the name of XXXX ) would be in touch to manually issue the 25 % refund to my credit card. That never happened, so I reached out to XXXX 's phone agents for assistance but they were unable to retrieve any of the online chats, so refused to assist. I then reached out to XXXX and lodged a dispute with them - at the time of dispute, XXXX issued a provisional credit of {$490.00} on XX/XX/XXXX with the condition being that the credit would be reversed if the case was not decided in my favor. This provisional credit reflected in my credit card statement. However, they didn't investigate the dispute thoroughly and declined my dispute stating the transaction was authorized ( when the dispute lodged with XXXX was under the category of " incorrect '' amount charged by the merchant ). I appealed the decision twice with them, but they yet declined. On XX/XX/XXXX, XXXX sent an email stating that the provisional credit that was applied was now going to be reversed in the form of a negative balance on my XXXX which I then would have to pay thru my bank account by adding money to my XXXX account. Here 's XXXX 's notice of debit : XXXX Notice of Debit We previously issued you a provisional credit as of XX/XX/XXXX for yourtransaction ( s ). We now need to debit the full amount of the transaction ( s ) in the amount of {$490.00} USD from your XXXX account. This debit will occur on XX/XX/XXXX. We will email you, to let you know when this debit is complete. You May Need to Add Money to Your Account If there's not enough money in your XXXX account to cover the full amount of the transaction ( s ), please add money to your XXXX balance. If there's not enough money in your XXXX account to cover this debit, it may result in a negative balance and possible limitations to your XXXX account. To add money, simply log in to your XXXX account and click Add Money on your Account Overview page. ============================== So I then lodged a dispute with Discover Credit Card team and asked them to investigate and provided them all the possible documents. They applied a provisional credit in a week 's time and on XX/XX/XXXX, I received the below email : ========================= We're writing to inform you that XXXX XXXX XXXX issued a credit for the disputed transaction that we also previously credited. This means your account has been credited twice for the same transaction. To correct this, we have reversed our previous credit, which you will see on your next billing statement. ========================= I immediately reached out to their disputes team on XX/XX/XXXX via chat and XX/XX/XXXX via phone, and explained to them as to why they were seeing a credit from XXXX on the statement and also walked them thru the XXXX 's notice of debit policy and advised them that XXXX had reversed the provisional credit in the form of a debit on my XXXX account, which I had to pay thru my Discover checkings account. I even asked them to validate this thru my Discover checkings account as well, but the phone agent repeatedly kept insisting that coz they were only seeing a credit on my statement, they were treating this as a permanent credit and therefore the case was not decided in my favor - irrespective of how XXXX goes about with their policy of reversal of provisional credit.
01/30/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • 782XX
Web Servicemember
I was the primary account holder on a joint account opened with DISCOVER in XX/XX/XXXX with a credit limit of {$3000.00}. The secondary holder was my father who cosigned the application after the lender required I provide a cosigner because I had never had a revolving credit card before.. from the opening of the account until XX/XX/XXXX all payments were made on time. XX/XX/XXXX I was the victim of identity theft and had my entire bank account emptied so my credit union canceled my bank card and reissued another. when the automatic payment collection by Discover attempted to collect it was returned unpaid. I fell behind in all my bills after having to cover two different bounced checks that were returned to my bank unpaid from two different individuals that cost me in excess of {$3500.00} and overdrawn my bank account. because I live on a fixed income and don't work due to a XXXX I couldn't continue making the payments on the credit card. I called and asked that the account be frozen and that I had planned on paying the entire balance of in a couple months. In XX/XX/XXXX I initiated a one time electronic funds transfer from another bank using the XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX. I provided the routing number and account number of the account to be debited for the payment on XX/XX/XXXX using a telephone request to the payments section of Discover. On XX/XX/XXXX Discover completed a required account verification information transfer to ensure the proper bank routing number and account number were being accepted by the receiving bank. after positive confirmation of both the routing number and account numbers matched. The request for funds transfer was made on XX/XX/XXXX after waiting the required 6 days as stipulated by the XXXX rules. The payment request was approved and the receiving bank paid the amount requested to discover for the entire outstanding open balance on the account. I received an emailed receipt from discover on XX/XX/XXXX stating payment was received on XX/XX/XXXX. I called Customer Service at Discover on XX/XX/XXXX and verified the payment was collected and the account balance on the credit card was reduced to XXXX. Discover stated that because I had made no payments since XX/XX/XXXX they were reducing my available credit limit on the account to {$500.00} and unfreezing it. I had to request a new card since I could no longer find my original. the next communications I received from discover from XX/XX/XXXX through XX/XX/XXXX all related to the new card I was being sent. On XX/XX/XXXX I received notice to log onto the Discover server and retrieve an important message. After resetting my account password and logging into the server I was provided a generic message stating the original payment posted on XX/XX/XXXX had been reversed and I now had to pay the total owed on the account again. The XXXX who processes the ACH 's for the XXXX XXXX XXXX has very stringent guide lines concerning reversals of funds transfers. only three reasons exist for the originator of the transfer to reverse a completed transaction 1. ) account numbers were mismatched, 2 ) duplicate transaction, 3 ) amount requested and amount received did not match and in all three cases the reversal must be done within 24 hours of the original transaction. Because I was the originator of the transfer and I didn't inform Discover to reverse the transaction even If it was reversed after the 24 hours which is not allowed. Any decision to in any way move the payment received from paying the balance on my account was done at the sole discretion of Discover in an attempt to defraud me and to have me pay a second time. This act is known as " Double Dipping '' Both myself and my father have never received any notices or letters concerning this issue and we have had the account closed and charged off by Discover who has reported on both of our credit reports that the amount charged of of over {$3500.00} was on an account with only a {$500.00} credit limit and not the original {$3000.00} so now all credit reporting bureau 's are calculating their credit scores on fraudulent data that shows a debt to credit ratio of more than 700 %. My fathers credit score has been reduced from a XXXX to XXXX due to this false reporting and mine has gone from XXXX to a XXXX. XXXX XXXX XXXX XXXX
06/09/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • XXXXX
Web
FRCA violations : Failing to Follow Debt Dispute Procedures Unreasonable and innaccurate reporting to the credit bureaus. Furnishing and Reporting Inaccurate Information Creditors must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : reporting a debt as charged-off when you settled it or paid it in full, misstating the balance due, reporting late payments, listing me as a debtor on an account when I were only the authorized user, or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). 15 U.S. Code 1679c - Disclosures ( a ) Disclosure required Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. If the credit bureaus reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact : The Public Reference Branch Federal Trade Commission Washington, D.C. 20580. ( b ) Separate statement requirement The written statement required under this section shall be provided as a document which is separate from any written contract or other agreement between the credit repair organization and the consumer or any other written material provided to the consumer. ( c ) Retention of compliance records ( 1 ) In general The credit repair organization shall maintain a copy of the statement signed by the consumer acknowledging receipt of the statement. ( 2 ) Maintenance for 2 years The copy of any consumers statement shall be maintained in the organizations files for 2 years after the date on which the statement is signed by the consumer. ( Pub. L. 90321, title IV, 405, as added Pub. L. 104208, div. A, title II, 2451, XXXX XXXX XXXX 110 Stat. 3009457. )
02/22/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33432
Web
Ran a credit report via XXXX on XX/XX/XXXX as I have been working hard to repair my credit from past mistakes. While reviewing it, I came to realize that XXXX XXXX has been running soft inquiries on my credit NON STOP for the last two years. When I say non stop, it is not an exaggeration. Pretty much once a week for the last two years straight. I can not stress the next statement enough ... I have NEVER applied for any sort of credit with XXXX XXXX in my entire life. Not once. Not a credit card, business credit card, loan, ANYTHING. I attempted to contact them for more information and to put a stop to it and got absolutely nowhere. Their outsourced customer service just repeatedly asked for my social security number AKA the last thing in the world I would be giving out over the phone in order to " look into it further ''. I offered just about any other piece of information to help them put an end to this until a supervisor at XXXX XXXX told me " we can't help you. Go file a complaint with the Credit Bureaus ''. So here I am ... and I'm furious. Below is the exact information I found on the XXXX credit report I ran on XX/XX/XXXX under the " SOFT INQUIRIES '' section related to this issue ... XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX Again, at no point in my entire life did I apply for ANYTHING related to XXXX XXXX. Not once. Let alone 75+ times that they have performed these inquiries. This HAS TO BE STOPPED. I am attempting to repair my credit to secure my next car as well as purchase my first home in the next year. Things like this are going to be what holds me back and it's a joke. There are additional erroneous soft inquiries on my credit that I have ABSOLUTELY NOTHING TO DO WITH. Those are listed below ... XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX PO BOX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX BANK Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX IN Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX XXXX BANK Inquired on XX/XX/XXXX and XX/XX/XXXX PO BOX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX CAPITAL XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX There is plenty of activity on my credit report that is TRUE & ACCURATE but none of what I have copied and pasted above is true OR accurate! My credit score has SUFFERED as a direct result of all of these bogus inquiries and I want justice
08/26/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NY
  • 10030
Web
In 2020 Discover credit card alerted me they overcharged me as there was a surplus payment of {$110.00} on my account and offered me a refund. They were supposed to send me a check for that amount but never did. I called them re the issue. They then were supposed to send {$110.00} in an ACH XX/XX/2020 transfer, but never did. Instead they reversed the non-refund re and overcharging my account again. In fact they recharged my account. three, ( 3 ) times for {$110.00} equaling {$330.00} which I was compelled to pay as if I didn't, I'd accrue phony finance charges and I'd have to fight that as well. So Discover now owed me {$330.00}. In the interim I called them to resolve. They refunded me for {$110.00} but they continued to recharge me again for same so that they still owe me/owe me more than what they originally owed me which is now {$220.00} as they re/overcharged me {$110.00} three, ( 3 ) times, and refuse to pay me back. We called them repeatedly. They gave all sorts of excuses, e.g., it's Discover 's policy to recharge the consumer when Discover owes and then pays consumer back for overcharges, your old card was replaced with a new one so that's what Discover does, that's how debits work at Discover, and my account balance had to be XXXX, ( XXXX ) for them to pay me back -- FYI My balance is always at XXXX, ( XXXX ), as I pay my balance in full and on time every month which is evident on all my statements. They called my bank without my written consent and tried to get me on the phone for a three-way, without my prior knowledge and consent. Bottom line, when you owe a debt -- in this case Discover is the debtor/ indebted to me, the creditor, now for {$220.00}, you pay it back and it ends there. Just like when I pay my bills. You don't try to have/re/overcharge me, the creditor, the money you owe me plus more. Discover owes me {$220.00} and I want my money. Breakdown : 1-Prior to XX/XX/2020 Discover owed me {$110.00} for a {$110.00} overcharge on my credit card account. On XXXX, Discover over/recharges me again for {$110.00} on XX/XX/2020 to -XX/XX/XXXX Statement for supposedly sending me the money they owed me, i.e., in a {$110.00} check they said they would but never sent. So by XXXX, they owed me {$220.00} : 2-By XXXX owes me {$220.00} 3-On XXXX Discover removes one, ( 1 ) over/recharge but they still owe me {$110.00} 4-But on XXXX Discover re/overcharged me again for {$110.00} so they owe me {$220.00} 5-On XXXX Discover deposits {$110.00} into my bank so Discover owes me {$110.00} 6-But also on XXXX Discover re/overcharges again in the guise of ( ACH reversal for an ACH that never occurred ) so they owe me {$220.00} again. 7-I can produce all my relevant statements upon request in attachments to an email. Discover has no email address I asked a XXXX rep on the chat, but got no answer. I spoke to a few supervisors re this issue including XXXX-to no avail at the refund dept. # XXXX In fact contacting Discover to get resolution to this issue, i.e., get my money back has been impossible. Discover makes it impossible to contact them as they also have many addresses listed seemingly so that consumers can't contact them Documents/Attchmnts included : 1-Discover XXXX Statement with {$110.00} overcharge/recharge equaling $ {$220.00} that they owe me 2- Discover XXXX statement removes one, ( 1 ) over/recharge but they still owe me {$110.00} 3-Bank Statement Discover gives " credit adjustment '' of ACH Transfer {$110.00} on XXXX 4-Discover XXXX Statement recharge/overcharge of {$110.00} calling it " ACH reversal '' so that they still owe me {$220.00} How it started Date fraud began : Amount I was asked for : Amount I Paid : XXXX {$330.00} Payment Used : Bank Payment Details about the company , business, or individual Company/Person Name : Discover Card/ Discover Financial Services Address Line 1 : XXXX.XXXX . XXXX XXXX XXXX XXXX XXXX, UT Address Line 2 : City : XXXX XXXX XXXX State : Utah Zip Code : XXXX Country : USA Email Address : XXXX Phone : XXXX Website : discover.com Alternate addresses : Payment Address Discover Financial Services XXXX.XXXX. XXXX XXXX XXXX XXXX, IL XXXX Customer Service - General Inquiries Discover Financial Services XXXX.XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Name of Person You Dealt With : XXXX Wouldn't give last name
06/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 33056
Web
I XXXX XXXX is coming before you today with serious concerns. Discover committed adverse action against me and closed my credit card account without my lawful authority.As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Discover can not close something i created! Discover has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 To correct an error of intent. I unknowingly and unintentionally waived certain powers that put me in detriment. As beneficiary and not required to do anything. It is to my detriment to pay an obligation that is fully the interest of the United States for payment of public/private debt Pursuant to 18 USC 8 XXXX I have no affiliation to the trust with respect to the trustee. Notice of fact pursuant to 12CFR 202.2 ( b ) consumer credit is defined as ; credit extended to a natural person primarily for personal, family, of household purposes. Therefore, if pursuant to that same subsection credit means ; the right granted by a creditor to defer its payment, or purchase property or services and defer payment therefor, then I am the consumer of this transaction seeing that my credit card, also known as my Social Security Number, funded the account by means of accessing my open-ended credit plan. Notice of fact there is a billing error pursuant to XXXX XXXX the determination of finance charge. Pursuant 15 USC 1692c ( C ) this herein notice in writing refusing to pay the alleged debt. 15 USC 1666b ( 4 ) The creditors failure to reflect properly on a statement. If I owe a balance, it should be in the negative, but it isnt, its clearly showing a positive balance. This is a billing error. Pursuant 19 CFR 149.3 there is an identification error. I did not need to provide a name and address, only a number to identify who was liable. The social security number is the liability. The bank is the reporter of record. The importer of the record is liable, I gave DISCOVER BANK the number making DISCOVER BANK liable for the number. Pursuant Regulation Z subpart b 1026.13 a6 I request a reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. I request documentary evidence for my discover account. Pursuant 15 U.S Code44 includes all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all-caps name. I require this clarification in order to address the billing error for my account. I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in IRS Publication XXXX. On the public and private side showing accounts receivable and payable. Pursuant Regulation Z Subpar B 1026.13 d 1- Rules pending resolution. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 USC 1666 ( e ) for failure to comply with any of the requirements of this section. I am the beneficiary I wish to negotiate instrument being tendered on behalf of the interest of the United States with full faith in credit. The personal information on the record is inaccurate the accuracy is depended upon fair banking. I request that the record is corrected and granted the proper disclosures Pursuant Regulation Z Truth in Lending Act.
02/17/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30680
Web
Please accept this letter as an update on the status of this case. I have completed discovery, however there are multiple outstanding, request for documents that Defendant Discover Financial Services, LLC refuses to produce. To date, I have not received those records. Upon speaking with XXXX XXXX XXXX, on XX/XX/XXXX, when asked about said records his reply was what do you mean? Ill see what I can put together. Under the FCBA, financial institutions are required to produce documents to the cardholder regarding the decision of their dispute. XXXX XXXX made contact with myself on XX/XX/XXXX, under the alleged pretense that I had requested a call and according to XXXX XXXX he had never not called me back. I called XXXX XXXX at the end of XXXX, left a message requesting a callback, and did not hear from him until XX/XX/XXXX. The exact motive of XXXX XXXX phone call on XX/XX/XXXX in not completely clear, however he did seem eager to try and persuade me into admitting something that I have made very clear that I did not do. XXXX XXXX continually asked why my address was on the transactions but would repeated deflect when I inquired if the spelling of my name was, in fact, correct on all transactions and if they were all made with my verified email address. When I inquired about how his financial institution could hold me responsible for purchases that were clearly made in a state that I was not physically in, his only response would be to, again, divert the attention back on the fact that my address was on a few of the transactions. XXXX XXXX then claimed that their financial institution has no records of the emails they sent out regarding my fraud case ; I have very willing forwarded all correspondence from Discover, regarding this dispute, to their fraud Department and Executive office, which includes emails that prompted me to approve or deny some of these charges. Discover Financial Services claims that I made payments on these fraudulent transactions prior to reporting the fraud ; I have provided proof that I did not make any payment prior to XX/XX/XXXX, and have provided proof of email for delinquency in payments, Discover has no comment in this regard. XXXX XXXX XXXX Discovers rules for arbitration that is clearly spelled out in their own manual. He states that he is unaware of Discovers policy for denying charges when the name on the transaction is not an exact match to the name on the card and he has no knowledge of their institution necessitating that the email used for the transaction be an exact match to the verified email address associated with the cardholders account. XXXX XXXX brought up that, according to their records I registered the card the same day that it went missing and felt compelled to list out the preferences I had selected ; he then asked that I confirm. I do not recall the exact date that my account was created however, I do find it peculiar that they can keep such a detailed record of someones notification preferences, but conveniently omit email correspondence regarding a fraudulent dispute. When I inquired to XXXX XXXX regarding the fact that their fraud team is telling me that I was past timely filing when I first called in regarding the missing card, I pointed him back to this financial institutions handbook, which clearly states that the cardholder has 120 days from the date of the first fraudulent transaction. XXXX XXXX, again, had no comment. I have revealed to Discover that I have reached out to merchants regarding these fraudulent charges, and some have already been wiling to refund. XXXX XXXX response to this was vague and distorted. I have provided all correspondence with the involved merchants. I have also provided the police report, supplemented information, identity theft report, and license replacement receipt. Discover refuses to make any effort to contact Law Enforcement and has repeatedly denied my dispute based off this premise. I have been forced to make payments on these fraudulent charges beginning in XX/XX/XXXX, due to Discover refusing to properly investigate and reassert my dispute. I have filed suit with the Magistrate Court XXXX XXXX XXXX and will continue to pursue this effort until dispute XXXX is resolved in the cardholders favor. With kindest regards, I am, Plaintiff XXXX XXXX XXXX
02/09/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • NY
  • 117XX
Web
This is not a complaint per se but a concern of a loyal Discover credit card customer. In XX/XX/XXXX, I was fortunate enough to have gotten an approval from Discover for a small limit of {$1000.00} between that time to now, I have only received a small increase to where it sits now at {$2300.00}. This card was or used to be my daily card which I used the most as I really like the ease and straight forwardness of the application which makes it easy for me to stay on top of my finances. Fact of the matter, I even opened a checking account with Discover Bank so that I can budget and pre-allocate money to ensure that I pay my Discover bills on time, as I hardly keep a balance on the card. Since XX/XX/XXXX, I have reached out to Discover and have asked them if I could request for an increase, and was turned down each time stating " Insufficient Experience with Current Discover Card Credit Limit '' which is vague to me since in the last year since having the card, I have used, spent and paid them a total of {$3000.00} on the card, you will see that on the documents I have enclosed for your review. I guess what I am trying to understand is, if the spend that I have put in the card is above 100 % of the Credit limit they approved me for, what makes it Insufficient experience for them? Do I need to spend more for them to consider me for an increase. Do I need to spend less? The word Insufficient Experience is vague and there is no rhyme nor reason in my honest opinion. Denial reasons should also aim to educate and offer suggestions to the card member as to what they can do to make themselves eligible for a future increase. I have reached out to their EO via email and did not get any response at all. I called their lending, and have always been met with agents who frequently just shut me down with absolutely no offered resolution other than the feeling that " We don't like you, so deal with it ''. Actually back in XX/XX/XXXX, I have contacted the EO and spoke to a nice man " XXXX '' I believe was the name. And I joked and told him, " Maybe Discover doesn't like me '' and was surprised when he answered me back " Well, you can say that '' and further expounded that there are just accounts that they monitor and review more frequently than others. Then if that be the case, what makes me lesser in their eyes. I've used them and paid my bills and never missed a payment. My scores aren't perfect, but they aren't bad either. I could not help but compare myself to some mutual friends that I've referred to Discover and we all have slightly identical profiles. I referred them to Discover to give them more business, and these people i've referred have far outgrown me in terms of my growth with Discover as a card member. And that is sad, since, I could not think of anything that I did wrong, I have to the best of my ability, abided by the Terms and Conditions that I have signed up for. So what makes me less of a likable profile than others? When they give other customers, some newer than I bigger and more frequent credit line increases. And I am upset because I like the card, I like the company, but it seems to be a one way love affair and they hardly don't want anything to do with me. So all of my efforts meant nothing to them, even to do a manual review of the account since I am already turning a year in XX/XX/XXXX. Not once did they give me any automatic increases unless I had to prompt it myself and with small small increments. Perhaps they can outline for me what I need to do, to get into their good graces and educate me so that I may qualify for a bigger credit limit increase. I have attached a copy of the Denial letter, my credit score as it shows on my Discover account since they pull XXXX every month. And the year end report which shows the total spending and payments I have made using Discover. I hope that they can be less biased and be more considerate and open to others, honestly, every time I call them, I always get a very unwelcoming feeling from any person I have spoken to. So I hope they would be less biased and if they really can not increase my limit then tell me exactly why and just don't tell me it's because of Insufficient experience when I have used them and paid them each month. Hoping for a resolution to this concern. Thank you
08/29/2022 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • OH
  • 432XX
Web
I have 3 student loans with Discover bank. This complaint is about Discover Financial and how they omitted important information, harassed my mother and I for two months, are falsely holding 3 loan balances on my credit report, and still have not fixed the issue. On XX/XX/XXXX I consolidated my private loans with XXXX bank. On XX/XX/XXXX XXXX sent 3 checks to the XXXX XXXX XXXXXXXX in Illinois, the address Discover requests payments be sent to. I was told 10 business days until the checks would post. I called Discover a few days before my payment was due letting them know the checks were on the way, they " noted '' it on my account. I kept calling to see if the checks were there up until my due date ( XX/XX/XXXX ) every few days, no checks yet. One day after my payment was due, they began calling me multiple times a day asking for payment. I would tell each representative about the checks. They began sending me delinquent letters in the mail, emails, emails to my MOM, and calling my MOM. Saying we owe payment. Leaving voicemails. When I would call in trying to see why they do not have the checks they began saying oh maybe wait up to 14 days then call your new lender XXXX and ask for new checks to be sent. I asked if electronic copies could be sent they said no. Every day I went in rounds between Discover calling insisting I owe them a payment and there is no checks in their possession, and that it's my problem to fix with XXXX. XXXX every time I would call, would tell me that Discover is doing this to everyone that they have sent checks for, and that it's taking over a month for payments to process. XXXX advised against sending new checks. This continues on for the next month, except now the calls emails and mail becomes more frequent and says I am two months behind in payments, talking about reporting to creditors my delinquency. In the meantime I am already paying on my NEW consolidation loan. They say they can not call it a missing payment because they didn't cash the checks, and say there is NO REASON the checks could be delayed. I begin asking about a way to put this loan into forbearance and they say I have used my time available already. ( I am a fresh graduate. ) They acted like they didn't believe I had checks coming. Like I was a liar and unable to pay. A few days short of being " 60 days delinquent '' I hear Discover had launched an " internal investigation '' on student loan practices. I call in again demanding a supervisor for the 500th time. I tell them I need to speak to someone about this investigation. I also tell them due to this investigation I fear their processing times will be even longer and told them there is no way I am paying this almost XXXX dollar bill to them. They then put my loan into forbearance. A few days later someone from the lost payments department calls me and says there was a SECURITY BREACH at the XXXX XXXX XXXX Illinois, Discover forwarded the checks from that location and they have a new payment processing company. They said they had made it though the other customer 's XXXX checks and still don't see mine. I confirm with XXXX the XXXX XXXX used was the breached one. The 'back office '' Discover person says they think they can ask higher above them to accept the original checks, but not before suggesting new checks be over nighted. ( That would mean dated for sometime in XXXX and increased interest. ) XXXX forwards over the original checks via email per Discover 's request ( Couldn't do this 2 months ago?? ) Discover states they will cash them ASAP, and backdate the interest to the original check date. Two more weeks pass by. I call them asking WHY they still have not cashed the checks. They told me they were working on a big project, why is my situation not your big project? I threatened to place in complaints on every level. They called me letting me know the checks were cashed and back dated. They should have been back dated to XX/XX/XXXX. They are not. They are back dated to XX/XX/XXXX. Three extra days of interest. The person on the phone with Discover said I am getting a refund still, and my reply is that I want the CORRECT refund. Every turn as been deception from Discover. This feels Illegal what they have done, someone please help me prove exactly how it is.
07/05/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • PA
  • 152XX
Web
To whom it may concern : I have been a cardholder with Discover Card for nearly 24 years. Since that time, my account has never been in default, nor has Discover had any issues with billing, payments, or otherwise. On or about XX/XX/2018, subsequent to having requested a separate credit card from Discover, I received correspondence indicating, XXXX XXXX, that Discover has been " unable to verify certain elements of information on ( my ) account, '' and requesting that I provide a Form XXXX ( Social Security Number Verification Authorization ), as well as a copy of my Driver 's License and Social Security Card. Discover requested that this information be provided within 14 days from the date of their correspondence ( XX/XX/2018 ). Discover was provided with this information via facsimile transmission on XX/XX/2018, per the directives contained in their correspondence. Subsequently, I was notified via electronic mail that both the newly-requested account and my longstanding accounts had been closed. I immediately contacted Discover, and it was stated that they ( Discover ) had not received the requested information. I was additionally advised to re-fax the information, which I did, and receipt thereof was acknowledged by Discover. Having not heard from Discover regarding this issue, I contacted them again on XX/XX/2018. At that point, I was verbally advised that the matter was " under review by a supervisor, '' and that " someone would call me '' within the next 24-48 hours. I did not receive a telephone reply ; however, I did receive another electronic communication requesting that I contact Discover immediately. Upon contacting Discover on XX/XX/2018, I was advised by the initial call-taker that the accounts were closed because Discover had not received the information within the 14-day window provided by the original correspondence. This was confirmed when I requested to speak with a supervisor, the same who advised that there was " no way '' for the accounts to be reopened. I requested written verification of this and this request was declined as it was indicated that the e-mail correspondence mentioned herein was sufficient. I additionally inquired as to which specific provision of my credit agreement ( contract ) I had violated, and the individual to whom I spoke was unable to provide that information, and suggested that I simply reapply for a new Discover Card. I indicated that I would not do so as the same issue would likely be repeated by Discover, and this was acknowledged by this individual. I additionally advised that I would submit a complaint to the CFPB and investigate the possibility of taking legal action with respect to this matter, and was told " you do what you have to do. '' The closure of my longstanding account will negatively affect my credit score, by drastically lowering my average age of accounts, lowering my available credit, and having a " hard '' inquiry from the second account which, in fact, was never opened. This will result in the inability to obtain credit ; the ability to obtain financial products only at a higher interest rate than otherwise available ; and the possible closure of additional credit accounts. Discover is in possession of all relevant correspondence as outlined above ; however, in order to facilitate your review I have attached true and correct copies of ( 1 ) the initial correspondence received, and ( 2 ) my reply/cover letter/fax returned to them pursuant to their request. I have not attached the various e-mail documents sent by Discover, because the same are not dispositive of this issue insofar as they simply advise me that the accounts have been terminated. Should you require those documents, please advise and I will forward the same to you in due course. There is no legitimate reason for Discover 's request for verification ( particularly due to the fact that they have consistently correctly reported the accounts to credit bureaus ), the requested information was, in fact, provided to them in a timely fashion, the account has never been in default or closed in almost 24 years, and Discover both created this issue and imposed damages upon me for no reasonable purpose. Accordingly, I am respectfully requesting assistance in this matter through the CFPB. Thank you.
03/18/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 117XX
Web
1 ) As of notice on XX/XX/XXXX, Discover Financial Services, XXXX XXXX XXXX XXXX XXXX, Illinois, XXXX, was requested to reimburse me due to Discover 's breach of duty, errors, and misconducts for affirming fraudulent charges, interest and fees it permitted on the credit card. 2 ) OnXX/XX/XXXX, Discover admitted under perjury of law, disclosed a letter from XX/XX/XXXX, that they refused to correct and accept my notice of address update, this is a debt violation and a past due reimbursement to me for {$1000.00} with a marginal interest rate of 10 % for breach duty and rudeness. 3 ) Discover case number XXXX and XXXX XXXX XXXX Report XXXX under perjury of law has disclosed that on XX/XX/XXXX, it used fraudulent documentation/contracts, XXXX reports, and tie-in sale repair contracts, made-up of fabricated data and designs, and Discover Financial Services affirmed under perjury of law that the vehicle had no defects and federal ESS recalls. In facto, XXXX XXXX XXXX claims with me that it is a false and fabricated XXXX report. Next, XXXX XXXX XXXX defrauded me with a false Tie-in Sale contract which never or would provided coupon bookelts or repairs ever. Discover Financial Services ignored my documents from XXXX XXXX inXX/XX/XXXX and XX/XX/XXXXand my requests to continue the investigation and failed to due it duty, breach its credit card agreement, and proceeded to cover up its own internal errors and negligence. 4 ) Discover Financial Services disregarded the truth from me and XXXX XXXX XXXX. Discover 's permitted the lies and fraud to squash an investigation and closed the investigation on XX/XX/XXXX. 5 ) Consumer protection laws clearly state that the departments of motor vehicle and highway safety are concerned for the systems designed in protecting the vehicles occupants, as the seat belts and cooper tire safety cage. Hence, the fraudulent XXXX report used in Discover 's decision was invalid and a warranty is due from the seller as a promise that the vehicle is safe to operate and drive, and defects make a vehicle unsafe to operate or be driven, if it be seat belts and cooper tire cages, BE IT a new car sale, used car sale, or 'as is ' car sale due to property liability laws. 6 ) The Florida Department of Motor vehicle 's certified title records is proof that deception of odometer and title records existed and reasonably explains the Florida department of motor vehicle cancel and suspend of this auto dealer. 7 ) XX/XX/XXXX notice provided to Discover, the reason the Department of Motor vehicle had to suspend and cancel 'XXXX XXXX ', 'XXXX XXXX ', 'XXXX XXXX XXXX XXXX ' and XXXX XXXX XXXX XXXX ' d/b/a 'XXXX XXXX XXXX XXXX ' dealer license . 8 ) This is auto dealer fraud by way of misrepresentation and due to Discover Financial Services breach of duty and negligent misrepresentations on my credit report and credit scores this wrongful and heinous acts of fraud. 9 ) I have suffered and endured. I have been oppressed and haze by Discover credit card and it Financial Services Representatives. 10 ) Discover Financial Services knew or should have known that my documents, XXXX XXXX XXXX, publicly announced federal ESS recalls of seat belts, law enforcement title disclosure, and the department of motor vehicle were true. 11 ) I had two car accidents and suffered injuries, my loved ones were in this car, and citizens. I dislike Discover Financial Services reckless disregard for the truth and safety of citizens. 12 ) As of XX/XX/XXXX you have a past due debt of {$15000.00} with a marginal interest of 10 % applied that is due me, add-on this in-facto as of XX/XX/XXXX, these representatives made and caused debt violations, known as, and a one being, 'XXXX XXXX ', 'XXXX XXXX ' , and 'XXXX XXXX ' , using the title of Associates of Executive Office of Customer Advocacy for Discover Financial Services in XXXX , Illinois and/or XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX and/or XXXX XXXX XXXX XXXX XXXX, Illinois, XXXX 13 ) I look forward to embarrassing Discover Financial Services with the federal subpoena records of its failed investigation and breach of duty regarding the violent acts of XXXX XXXX XXXX XXXX, known as FRAUD, stop your delay and refunding my money immediately. Respectfully yours, XXXX XXXX XXXX and my loved ones
05/10/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • UT
  • 84097
Web
In XX/XX/XXXX Discover XXXX XXXX sent out a promotion that if we were to buy a new XXXX 'XXXX XXXX Membership that the {$45.00} cost would be reimbursed on our account, so we would essentially be getting the first year free with a XXXX XXXX XXXX Membership. My spouse and I discussed the promotion and decided we would do it for the year to see if the membership is worth it for us because it would essentially be free. On the email it said something about activating the Promotion. That same month XXXX XX/XX/XXXX XXXX, we sent a request to Discover through their app. Here is the conversation word for word : Us : " Hello, I got an email about a promotion for XXXX XXXX membership and I don't know how yo ( sic ) activate it. It said it was valid until the end of the year. '' Discover : Hi, this is NAME in XXXX. I am so sorry for the delay in responding to your message. Congratulations on receiving teh email promotion for XXXX XXXX XXXX All you need to do is purchase the XXXX XXXX XXXX membership using the Discover card and the {$45.00} statement credit will be added onto the account within 1-2 billing cycles after XX/XX/XXXX. '' We proceeded to purchase the membership on XXXX XXXX, XXXX ( still within the promotional period ) and waited for the statement credit 1-2 months later. It's now been over 4 months and we still received no promotional credit. We contacted Discover this morning, here is the conversation : Us : " I never got a promotional credit after a purchase. '' XXXX Responding to their Virtual Assistant ) Discover : " Hey NAME! This is NAME in Delaware Thanks for messaging with me today! I understand your concern on the {$45.00} statement credit. I just checked the offer it says 3 billing cycles after the promotion ends. One moment I will review your account. '' Us : " Thanks for checking '' Discover : " Thanks for you ( sic ) hold. What date did you make the purchase? '' Us : " XX/XX/XXXX '' Discover : " Great give me a few minutes I am reaching out to another department. Be with you shortly. '' Us : " Thanks '' Discover : " Thanks for your wait! I'm sorry. The ( sic ) did say it did not post due to it did not qualify & you can review the terms and conditions in the promotion email. Any other questions? '' XXXX : " No, I never saw that. Also, I verified with NAME before I purchased it that I was qualified? You can see that in the above messages Also, I don't have the promotional email because it was 5 months ago? '' Discover : " Thank you for your patience, and I do show the messages above, however I do apologize, as we are unable to adjust the missing statement credit, and I would like to issue this complaint to my headquarters, advising that you did not receive your statement credit for the promotional offer you had received. I do apologize for any inconvenience this may cause you. Was there anything I may further assist you with? '' Us : " So does that mean I don't get the credit ever? Or will it be issued in the future? '' Discover : " As of this moment, we will not be receiving the Statement Credit for the promotional XXXX 's XXXX offer that was taken advantage of back before XX/XX/XXXX. Again, I do apologize for any inconvenience this may cause you, and will be issuing a complaint to my headquarters. Did you have any questions or concerns I may further assist you with? '' Us : " Yeah you haven't resolved the issue. I have it in writing that I would be receiving this credit and you didn't grant it. Submitting this to headquarters doesn't resolve this. Who do I need to talk to get this taken care of? '' The conversation continued on stating that they " aren't able to see which ones XXXX terms XXXX weren't followed. '' Ultimately, we called and spoke with Discover over the phone and asked for a resolution. They stated that on the email there was supposed to be an " Activate '' button that would apply the promotion to our card. However, we didn't see that button in the email, which is why we reached out to Discover in the first place. When we reached out, we were told that the only thing we needed to do was to purchase the XXXX 's XXXX membership with our Discover card and the statement credit would be applied. Now, Discover refuses to give us the credit because we followed the advice of one of THEIR employees.
03/02/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • IL
  • 60516
Web
In XX/XX/XXXX, I requested a balance transfer in the amount of {$12000.00} from my Discover card to my XXXX-XXXX card. This request was done electronically. On XX/XX/XXXX, the amount of {$12000.00} was received by XXXX-XXXX and applied to my account. However, on XX/XX/XXXX I noticed that the Discover balance of {$12.00}, XXXXstill remained, so I contacted Discover to see what the hold-up was. At that point, Discover said that they had NOT received any payment from XXXX-XXXX and requested that I set up an automatic payment with them so I would not miss a future payment. I did this as not to mess with my credit score and in hopes that this would be cleared up soon. On XX/XX/XXXX, Discover billed me for {$500.00} On XX/XX/XXXX, I contacted Discover. XXXX put me on hold to review my account, and then transferred me to another department. XXXX then told me that Discover had not received a payment from XXXX-XXXX, and requested that I contact XXXX-XXXX to initiate an investigation into what happened. That same day, I contacted XXXX-XXXX. The woman that I spoje with, XXXX, said that the money had to be received by someone and that they would have a resolution for me within 30 days. I was then transferred to another department where I spoke to XXXX who also told me that XXXX-XXXX would investigate where the money went and I would be notified via paper mail. On XX/XX/XXXX, I recevied a letter from XXXX-XXXX cardmember services stating that the transfer I initiated back in XX/XX/XXXX was applied to my Discover account on XX/XX/XXXX, in the amount of {$12.00}, XXXX ( letter uploaded here ). Because there had been no resolution, I began paying DOUBLE - money to Discover and money to XXXX-XXXX - to avoid falling into bad credit. Thus, on XX/XX/XXXX, My Discover balance was {$12.00}, XXXX. On XX/XX/XXXX, I contact Discover yet AGAIN. I began speaking with XXXX who put me on hold to talk with various departments. I was eventually transferred to XXXX who opened a missing payment case on my behalf. She said that they would have results for me in 15 days, and would reach out to XXXX-XXXX. In the interim, she provided me with a case number and requested that I send the letter XXXX-XXXX sent me on XX/XX/XXXX to Discover 's Payment Research Department. This is did in good faith. She also indicated that a credit would be applied to my account while this issue was being resolved. On XX/XX/XXXX, I contacted XXXX-XXXX again and spoke with XXXX and then XXXX. Discover wanted additional information on how the money was sent from XXXX-XXXX to Discover, so I was inquiring about that. XXXX was able to tell me that the money was sent to Discover as a check on XX/XX/XXXX. He provided me with the chek number, the routing number, and the account number. I then called Discover and spoke with XXXX, who I shared the above information with. Unfortunately, this information was not good enough for Discover. From my point of view, I have bent over backwards trying to provide information to them regarding this balance transfer. It has caused me nothing but stress and anxiety and yest Discover is the one continuing to benefit from this. Discover reached out vial email ( I have never received a phone call from them ) which stated that the information ( check number, rounting number, etc. ) was not enough and that they needed to see a cleared copy ( front and back ) of the check that was sent from XXXX-XXXX to Discover. So ... once again, on XX/XX/XXXX, I contacted XXXX-XXXX. I spoke with XXXX, who said that he would be requesting a copy of the cleared check and have it mailed to me within 7 business days. On XXXX, I received an email from Discover stating that since they had not heard back from me, they are assuming that I have taken care of this on my own, and will be returning the balance to my Discover card. It is now XXXX, and I have yet to receive any information from XXXX-XXXX. I am sick of this run around. I have done my due dilligence, contacting each company month after month since XX/XX/XXXX. Here it is, almost 6 months later, and not only am I paying off one credit card ... I am paying the same amount on a card that was transferred. I am beyond angry and frustrated with BOTH credit card companies for dumping this on me.
08/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34957
Web
To quickly Sum up : I had a Fraudulent Discover Account on my credit report, Account # XXXX, after proving fraud with the credit bureaus, all 3 bureaus deleted the fraud from my credit reports back in XXXX 2023. Recently Discover resubmitted/added the Exact Same Fraudulent Account with all the exact same Account Information however changed the Account # to a NEW ONE which ends in XXXX, however could be XXXX without even notifying the victim ( myself ), this is 100 % illegal to open a new Credit Card account and adding old information which isn't even mine to begin with, a Complete Violation. Discover is doing the Fraud now. Detailed Explanation : Back in XXXX of 2023 I Had 3 Fraudulent Accounts reporting on my Credit Report. One Was XXXX XXXXXXXX, Another XXXX, and Finally Discover. I reported these to the FTC, made an Identity Theft report and Got a Sheriffs Report regarding these Fraudulent accounts including more supporting documentation such as breach of bank accounts, emails, phone, including breaching my XXXX report. Shortly After all 3 Credit Bureaus Deleted the 3 Fraudulent accounts except XXXX at the time did not delete the XXXX XXXXXXXX Account. However recently I received a letter from them admitting that fraud did take place so after giving this info to XXXX im hoping they delete that account. I am writing today for justice on another issue regarding the DISCOVER account that was previously deleted on all 3 bureaus for Fraud. It seems after all these months ( since XXXX 2023 ) this account has recently been resubmitted to the bureaus however it gets worse. Once I noticed the Discover Account was back on my Credit Report with all 3 bureaus I immediately complained to all 3 bureaus saying that I was never notified about the resubmission of this account within 5 days or for that matter now 45 days. And besides that why would they resubmit a fraudulent account back on my credit report. This is where it gets interesting. I was on the phone with an XXXX XXXX XXXX and he said the account Discover with the account number XXXX XXXX XXXX XXXX which was the Disover account that was originally fraudulent was no longer reporting on my credit report. I said " yes it is, I see the discover account right in front on me ''. The Supervisor informed me after investigating that... Discover created a NEW ACCOUNT, its New Account # ends in XXXX however may be this entire account # XXXX XXXX XXXX XXXX, However even though Discover created a NEW ACCOUNT or NEW CREDIT CARD ACCOUNT without my permission of course they added all the Account information from the old account ending in XXXX which was the original Fraudulent Discover account. So to make it simple the Fraudulent Account that was Deleted from all XXXX bureaus was Discover ending in XXXX account number, So Disover Made a New Account number under the same old account and all its information such as opening date, credit amount, etc and simply changed the account number so they could resubmit it to my credit report, since im sure the old account was blocked for being fraudulent. Discover just committed fraud, and it a Huge Violation with the FCRA including US Code. Not only that, they resubmitted an account using a FAKE new Account Number without letting the Victim know ( myself ) nor telling me they are resubmitting the account to my report as per the FCRA states they have to by law. I have been contacting the credit bureaus and this account comes back validated of course even though its fraud. I originally sent letters to Discover informing them of the fraud, they wouldn't believe me, I sent them numerous Validation Requests and no replies besides upcoming bills that were not in my name but to my address. I sent them and the bureaus copies of the Police Report, FTC report, and ITR back then and it was deleted eventually. Now after all that Discover just resubmits the old account under a new Account Number and destroys my credit, it dropped over XXXX points over night. I need the Federal Trade Commission to step in and help a fellow soul reclaim his rights. thank you PS I would be more than happy to share ALL my mailings to Discover requesting Debt Validation when they ignored my fraud claim with proof of delivery of all mailings back in the beginning of the year.
07/05/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MA
  • 02453
Web
[ Documentation ( emails, screenshots, etc ) available upon request ] XX/XX/XXXX - I signed up for an account with the company XXXX XXXX, under their 30 day free trial ( with auto-renew ). As part of signing up, I provided them with my Discover card information. XX/XX/XXXX - Due to poor service on the part of XXXX XXXX, I decided to cancel my account with them. After contacting them, I am informed in an email that I should follow a web link, enabling me to speak with an agent who would cancel the account. After a brief conversation with an agent in which I verified some account information, I was informed that my account was cancelled. XX/XX/XXXX - I receive an email from XXXX titled " Why come back to XXXX? '' in which the company states " We'd like to give you a special offer to come back to XXXX today. And if you act now, you may still be able to reclaim your previous phone number! '' I took this as further confirmation that my account had been cancelled. XX/XX/XXXX - I receive a second email from XXXX titled " Come back to XXXX with a Discounted Rate '' with content similar to the one received on XX/XX/XXXX. XX/XX/XXXX - My Discover card is charged for {$32.00} by XXXX eXXXX. Assuming my account was still active, I attempted to login via XXXX XXXX online portal and am informed that my account no longer existed. XX/XX/XXXX - My Discover card is charged for {$32.00} by XXXX XXXX. After seeing this, I spent several hours on the phone with XXXX XXXX, being on hold for long periods of time and being transferred multiple times. I felt my concerns were not being taken seriously and never received an explanation from the company for why I kept being charged. XX/XX/XXXX - My Discover card is charged for {$32.00} by XXXX XXXX for the third time. XX/XX/XXXX - I open up several disputes on Discover 's website for the previous charges from XXXX XXXX on my account, and received a temporary account credit on my account. I provided Discover with my experiences with XXXX XXXX up to this point. XX/XX/XXXX - I am informed by Discover that their dispute investigations have found in my favor, and my account with them is adjusted to reflect this. XX/XX/XXXX - I am informed by Discover that my previous charges from XXXX XXXX have been determined to be valid, and the credits to my account are reversed, along with a repost of the initial charges. I call Discover and am told that to continue the Dispute I should upload further documentation. XX/XX/XXXX - I upload further documentation to the Discover website, indicating XXXX XXXX XXXX history of fraudulent behavior in violation of California state law ( where XXXX XXXX is headquarted ) which states ( among other clauses which XXXX XXXX broke ) the following : " If the automatic renewal offer or continuous service offer includes a free gift or trial, the business shall also disclose in the acknowledgment how to cancel, and allow the consumer to cancel, the automatic renewal or continuous service before the consumer pays for the goods or services. '' The full law can be found here XXXX XXXX XXXX XXXX? lawCode=BPC & division=7. & title= & part=3. & chapter=1. & article=9. I also informed Discover that my experience with the merchant was not by any means unique, and that XXXX XXXX XXXX practices of predatory behavior have been well documented : XXXX XXXX XXXX ( you can see XXXX XXXX listed under the " Alternative Business Names '' section ) XX/XX/XXXX - I am informed by Discover via email : " After reviewing the information you provided, we determined that we've already considered this information or it was insufficient and we could not continue the dispute. '' When I attempted to contact a Discover support agent through online chat, I was informed that they would be unable to resolve the dispute in my favor without a cancellation number from XXXX XXXX ( which I was never provided with ). When I attempted to explain that XXXX XXXX XXXX charges were considered illegal under California state law, and asked for protection under Discover 's " {$0.00} Fraud Liability Guarantee '', I was informed that nevertheless Discover considers the transactions valid due to the fact that I had provided XXXX XXXX with my card information and had agreed to their terms of use.
08/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34957
Web
To quickly Sum up : I had a Fraudulent Discover Account on my credit report, Account # XXXX, after proving fraud with the credit bureaus, all 3 bureaus deleted the fraud from my credit reports back in XXXX 2023. Recently Discover resubmitted/added the Exact Same Fraudulent Account with all the exact same Account Information however changed the Account # to a NEW ONE which ends in XXXX, however could be XXXX without even notifying the victim ( myself ), this is 100 % illegal to open a new Credit Card account and adding old information which isn't even mine to begin with, a Complete Violation. Discover is doing the Fraud now. Detailed Explanation : Back in XXXX of 2023 I Had XXXX Fraudulent Accounts reporting on my Credit Report. One Was XXXX XXXXXXXX, Another XXXX, and Finally Discover. I reported these to the FTC, made an Identity Theft report and Got a Sheriffs Report regarding these Fraudulent accounts including more supporting documentation such as breach of bank accounts, emails, phone, including breaching my XXXX report. Shortly After all 3 Credit Bureaus Deleted the 3 Fraudulent accounts except XXXX at the time did not delete the XXXX XXXXXXXX Account. However recently I received a letter from them admitting that fraud did take place so after giving this info to XXXX im hoping they delete that account. I am writing today for justice on another issue regarding the DISCOVER account that was previously deleted on all 3 bureaus for Fraud. It seems after all these months ( since XXXX 2023 ) this account has recently been resubmitted to the bureaus however it gets worse. Once I noticed the Discover Account was back on my Credit Report with all 3 bureaus I immediately complained to all 3 bureaus saying that I was never notified about the resubmission of this account within 5 days or for that matter now 45 days. And besides that why would they resubmit a fraudulent account back on my credit report. This is where it gets interesting. I was on the phone with an XXXX XXXX XXXX and he said the account Discover with the account number XXXX XXXX XXXX XXXX which was the Disover account that was originally fraudulent was no longer reporting on my credit report. I said " yes it is, I see the discover account right in front on me ''. The Supervisor informed me after investigating that... Discover created a NEW ACCOUNT, its New Account # ends in XXXX however may be this entire account # XXXX XXXX XXXX XXXX, However even though Discover created a NEW ACCOUNT or NEW CREDIT CARD ACCOUNT without my permission of course they added all the Account information from the old account ending in XXXX which was the original Fraudulent Discover account. So to make it simple the Fraudulent Account that was Deleted from all 3 bureaus was Discover ending in XXXX account number, So Disover Made a New Account number under the same old account and all its information such as opening date, credit amount, etc and simply changed the account number so they could resubmit it to my credit report, since im sure the old account was blocked for being fraudulent. Discover just committed fraud, and it a Huge Violation with the FCRA including US Code. Not only that, they resubmitted an account using a FAKE new Account Number without letting the Victim know ( myself ) nor telling me they are resubmitting the account to my report as per the FCRA states they have to by law. I have been contacting the credit bureaus and this account comes back validated of course even though its fraud. I originally sent letters to Discover informing them of the fraud, they wouldn't believe me, I sent them numerous Validation Requests and no replies besides upcoming bills that were not in my name but to my address. I sent them and the bureaus copies of the Police Report, FTC report, and ITR back then and it was deleted eventually. Now after all that Discover just resubmits the old account under a new Account Number and destroys my credit, it dropped over XXXX points over night. I need the Federal Trade Commission to step in and help a fellow soul reclaim his rights. thank you PS I would be more than happy to share ALL my mailings to Discover requesting Debt Validation when they ignored my fraud claim with proof of delivery of all mailings back in the beginning of the year.
05/17/2022 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • FL
  • XXXXX
Web
I am submitting this complaint to Discover, in regards to private student loans. The loans in question were originated with XXXX in XXXX. I have been recently served with a lawsuit for these two loans I allegedly owe. The following is a list of my complaints : Discover has failed to establish the chain of title of these loans they allegedly own. Their attorneys sent copies of barely legible contracts between The XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a blacked out information. Nowhere does it outline which individual loans were sold to Discover ( XXXX XXXX XXXX ) Additionally they sent to myself and to the court, two copies of single application showing a request for {$4600.00}. Somehow they maintain that this is proof of owning ( and my requesting ) a $ XXXX loan. Discover falsely claims I was in-school and requested in-school deferments from XX/XX/XXXX to XX/XX/XXXX for one of these loans, the other was deferred until XXXX of XXXX. I never attended college after XXXX XXXX and there was never a request made for deferment. In fact I had received a past due notice in XXXX of XXXX called Discover XX/XX/XXXX, asking for proof of deferment requests. I called back in XXXX and there was a pending request but no further information. They have failed to furnish any proof. There are several more calls made and the last call was in XXXX of XXXX where a representative was aggressively asking me why I wanted Discover to fix their mistake. On this same call, I again requested the proof of deferment request. She said there was nothing on file about anything having been sent. These loans originated with XXXX and I have letters showing loans with them becoming delinquent and then defaulting in XXXX. At this same time I became delinquent with XXXX, Discover placed the XXXX loans they supposedly service, on deferment. Additionally, the calls made to Discover regarding this issue only resulted in multiple forbearance periods I had no requested being added to the loans, between XXXX of XXXX until XX/XX/XXXX. Discover has failed to provide and a proper record of transactions regarding the balance and interest on these loans. The transaction history provided to me and the court shows multiple discrepancies when compared to their mailed monthly statements. These are a few examples : 1. The statement for XX/XX/XXXX shows higher balances than the transaction history shows for the date of XX/XX/XXXX ( three years later ) and there is no mention how much deferred interest there is. 2. The statement for XX/XX/XXXX shows higher principal balances than the transaction history shows for XX/XX/XXXX ( deferred interest was subtracted from Loan balance to find principal balance ). 3. The statement for XX/XX/XXXX still shows higher balances than the transaction history shows for XX/XX/XXXX, but somehow the principal balances are lower than those from XX/XX/XXXX. XXXX. The statement for XX/XX/XXXX still shows higher principal balances. Also, there are statements credit on that same day that are unknown to me as to why they are there, because there was never a payment sent to them, nor did Discover inform me where these came from. 5. The statement for XX/XX/XXXX shows a higher loan balances ( with interest ) than the transaction history shows for XX/XX/XXXX on XXXX loan, and XX/XX/XXXX for the other. 6. The larger of the two loans does not show a deferment for XXXX on the transaction history they lawyers sent, it simply shows as a forbearance, which as one can see in the earlier statements, is false. Those a statements show DEFER for both loans. Discover, if they are the owners of these loans, have also failed to follow the terms of the promissory note which states a default would occur, if a default I default under the terms of another loan from the lender. As mentioned before, several of the XXXX loans defaulted in XXXX. Discover claims that they own these loans when they have failed to provide proof of this. They also claim that the loans have been current for 13 years due to deferment and forbearances being put on this. This is despite defaulting on my XXXX loans in XXXX, no payments having ever been made to Discover, my not attending school since XXXX of XXXX, and my not requesting any kind of forbearance or deferment from them.
05/30/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34983
Web Older American, Servicemember
Debt Collection complain : To whom it may concern : XX/XX/XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ., XXXX XXXX , XXXX , Fl. XXXX illegally placed a garnishment on a checking account held by XXXX XXXX XXXX , XXXX XXXX XXXX Fl . in the names of XXXX XXXX and XXXX XXXX in the amount of XXXX XXXX .for a delinquent credit card account held by Discover Card with XXXX XXXX as the sole debtor.

The debt is acknowledged by XXXX XXXX . the undersigned, but, as XXXX XXXX XXXX . was unable to garnish my social security income, they chose to illegally attach my wife XXXX XXXX account for this amount.. I am a signator on this account, for safety purposes, but it has been totally and exclusively funded for some 15 years through payroll deposits from XXXX XXXX position as an XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX . Florida statute protects my wife 's account from garnishment by virtue of my non participation in the funding of this account. Additionally, I question by what means XXXX obtained a court order as, had the court been advised of the facts, the petition to garnish would not have been granted, Additionally, I have received neither written notice nor any opportunity for a hearing in order to answer a proposed garnishment from XXXX , either before or since this illegal seizure. I did receive a phone call approximately three weeks ago during which I stated that at XXXX years of age I was unable, at this time, to honor this indebtedness and thought, after approximately three plus years, Discover would have charged offoff this credit card debt..

On Thursday, XX/XX/XXXX , when I checked XXXX XXXX account and found a XXXX balance, I contacted XXXX XXXX of XXXX , informed him of the illegality and received an unsympathetic, rude reply that he was not an attorney and payup was the only solution. Further, I advised him that I had not received written notice or an opportunity for a hearing, as was my right, and he indicated that this was not his problem.. I contacted XXXX XXXX XXXX and they informed me that legalities were not their pervue and had no choice but to honor the court order. Discover, contracted with XXXX directly to secure some repay. They did not sell the note. They expressed concern about XXXX XXXX actions and are in the process of investigating this incident. The long holiday weekend has delayed their findings as of this writing As earlier stated, I am XXXX years of age, solely supported by social security. XXXX XXXX actions were an obvious act of Elder Abuse. They capriciously and illegally garnished my wife 's account of {$1600.00} when my social security account was sacrosanct. They had to realize that this action would adversely effect our abilities to pay necessary monthly bills such as mortgage, electric, car insurance etc., as well as food and daily living expenses, yet they wontonly chose to take this illegal action, mislead the court by omitting full disclosure and cause my family undue duress and complicated financial peril. I personally am under constant care at the XXXX XXXX in XXXX XXXX XXXX , Fl. for XXXX XXXX and XXXX issues as well as normal old age problems. These capricious, cruel, purposeful and illegal actions by XXXX , possibly without the consent of Discover, have exascerbated my XXXX XXXX XXXX issues.. Elder abuse at its worst.

I would humbly and respectfully entreat your agency, through its good offices, to order XXXX /Discover to return XXXX garnished monies in the amount of {$1600.00}. and further sanctiom XXXX XXXX XXXX for this illegal and cruel act. If Discover knowingly allowed XXXX XXXX action, then their involvement should be equally sanctioned.

I thank you for this avenue of complaint and would hope that this advisement will prevent the XXXX of the world from exacting their illegal measures on their helpless and uninformed victims, age notwithstanding.

Thank you.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ., Fl . XXXX XXXX XXXX XXXX cc : XXXX Discover XXXX XXXX XXXX

08/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34957
Web
To quickly Sum up : I had a Fraudulent Discover Account on my credit report, Account # XXXX, after proving fraud with the credit bureaus, all 3 bureaus deleted the fraud from my credit reports back in XXXX 2023. Recently Discover resubmitted/added the Exact Same Fraudulent Account with all the exact same Account Information however changed the Account # to a NEW ONE which ends in XXXX, however could be XXXX without even notifying the victim ( myself ), this is 100 % illegal to open a new Credit Card account and adding old information which isn't even mine to begin with, a Complete Violation. Discover is doing the Fraud now. Detailed Explanation : Back in XXXX of 2023 I Had 3 Fraudulent Accounts reporting on my Credit Report. One Was XXXX XXXXXXXX, Another XXXX, and Finally Discover. I reported these to the FTC, made an Identity Theft report and Got a Sheriffs Report regarding these Fraudulent accounts including more supporting documentation such as breach of bank accounts, emails, phone, including breaching my XXXX report. Shortly After all 3 Credit Bureaus Deleted the 3 Fraudulent accounts except XXXX at the time did not delete the XXXX XXXXXXXX Account. However recently I received a letter from them admitting that fraud did take place so after giving this info to XXXX im hoping they delete that account. I am writing today for justice on another issue regarding the DISCOVER account that was previously deleted on all 3 bureaus for Fraud. It seems after all these months ( since XXXX 2023 ) this account has recently been resubmitted to the bureaus however it gets worse. Once I noticed the Discover Account was back on my Credit Report with all 3 bureaus I immediately complained to all 3 bureaus saying that I was never notified about the resubmission of this account within 5 days or for that matter now 45 days. And besides that why would they resubmit a fraudulent account back on my credit report. This is where it gets interesting. I was on the phone with an XXXX XXXX XXXX and he said the account Discover with the account number XXXX XXXX XXXX XXXX which was the Disover account that was originally fraudulent was no longer reporting on my credit report. I said " yes it is, I see the discover account right in front on me ''. The Supervisor informed me after investigating that... Discover created a NEW ACCOUNT, its New Account # ends in XXXX however may be this entire account # XXXX XXXX XXXX XXXX, However even though Discover created a NEW ACCOUNT or NEW CREDIT CARD ACCOUNT without my permission of course they added all the Account information from the old account ending in XXXX which was the original Fraudulent Discover account. So to make it simple the Fraudulent Account that was Deleted from all 3 bureaus was Discover ending in XXXX account number, So Disover Made a New Account number under the same old account and all its information such as opening date, credit amount, etc and simply changed the account number so they could resubmit it to my credit report, since im sure the old account was blocked for being fraudulent. Discover just committed fraud, and it a Huge Violation with the FCRA including US Code. Not only that, they resubmitted an account using a FAKE new Account Number without letting the Victim know ( myself ) nor telling me they are resubmitting the account to my report as per the FCRA states they have to by law. I have been contacting the credit bureaus and this account comes back validated of course even though its fraud. I originally sent letters to Discover informing them of the fraud, they wouldn't believe me, I sent them numerous Validation Requests and no replies besides upcoming bills that were not in my name but to my address. I sent them and the bureaus copies of the Police Report, FTC report, and ITR back then and it was deleted eventually. Now after all that Discover just resubmits the old account under a new Account Number and destroys my credit, it dropped over XXXX points over night. I need the Federal Trade Commission to step in and help a fellow soul reclaim his rights. thank you PS I would be more than happy to share ALL my mailings to Discover requesting Debt Validation when they ignored my fraud claim with proof of delivery of all mailings back in the beginning of the year.
12/03/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • PA
  • 180XX
Web
In XXXX of XXXX I took a Cash Advance on my Discover Card in the amount of {$3500.00}. In XXXX of XXXX, I called and asked how I can extinguish the Cash Advance part of my debt, and I was told that any amount I pay above and beyond my minimum balance would be applied to the cash advance balance. In XXXX I paid {$5000.00} which was {$4500.00} above the minimum balance. None of that amount was applied to the cash advance balance. From that point until now, my Cash advance balance has continued to climb due to the 23.99 % interest. I have called 2 additional times to find out how to pay this balance off and I was consistently told the same information. In XXXX I realized something was drastically wrong as the cash advance balance was now over {$7500.00} and I had never used the cash advance after the XX/XX/XXXX date. I called Discover and was finally told " Oh -- You have a business card -- and until XXXX XXXX, no amount was ever applied to the cash advance balance '' In XX/XX/XXXX, they told me they changed the terms of my account allowing them to apply payments to the cash advance. I continued to argue that this was not what I was told, and they agreed, I was told bad information on more then one occassion. On XX/XX/XXXX they adjusted my finance charge {$500.00}. and on XX/XX/XXXX they gave me a courtesy adjustment of {$320.00}. They said they were giving me this because I was given bad information. Although that is appreciated, it does not account for the {$3300.00} in finance charges I have been charged since XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX, my minimum payments totaled {$22000.00}, During this same time, I paid {$44000.00} for an excess over minimum payment of {$22000.00} yet my cash advance balance climbed from {$1800.00} ( XX/XX/XXXX ) to {$8000.00} ( XX/XX/XXXX ). All of this without ever making another cash advance. When I questioned the call center supervisors, I was told the only way I could ever pay off that cash advance was if I paid my entire balance on the card. This was never told to me, and due to the fact that the interest rate on the credit card is only 13.9 % I continued to use this card for small purchases. I am very distraught over this. I feel like I was doing business with a loan shark - without my knowledge. Representatives from Discover tell me this is due to the language of my credit agreement. I asked them on XX/XX/XXXX to please send me the document that shows this language. They sent me language that tells me what they have told me in the past ( that everything over the minimum due is applied to the cash advance ). On XX/XX/XXXX I again argued this with a supervisor and asked to speak with her supervisor. She refused to allow me to speak to a higher person and told me several times that no-one there can help me. She said she would " Try " to get me a copy of the terms. I have not been contacted since. In summary, I do not feel that Discover has been open and transparent with me. In addition to the interest rate being compounded, I also paid fees at the start of the cash advance which I was aware of and agreed to. I was told they told me the wrong information because I was a " BUSINESS '' account and they do not treat their personal accounts this way. I feel that I have been discriminated against because I am a female small business person. I have offered DISCOVER 2 ways to rectify this. # 1 - they can recalculate my interest and apply the payments as I was promised over the years. or # 2, they can extinguish the entire account and re-open another account with the present balance calculating it at the 13.9 % going forward. I was refused both of these suggestions. I feel that I have been patient and have offered to work with them. I have consistently paid my card on time and above the minimum balance - as I was trying to get rid of the debt. I do not feel that they worked in the same manner as other credit cards, because I was in the same situation with XXXX XXXX and they told me the same information -- " Anything you pay above the min. balance is applied to the highest interest rate '' I was able to extinguish the XXXX Cash advance easily. I respectfully ask your help in this matter. I do not have {$3300.00} laying around to pay needlessly into finance charges.
12/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • MS
  • XXXXX
Web Servicemember
XXXX XXXX XXXX XXXX, Mississippi XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX Discover Card Services Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Open Letter for Open Records for PROPER RECORDS Card Ending XXXX : or Claim Number __________________________ Dear XXXXXXXX XXXX XXXX : Attached you will see a notification received through Discover Card Service regarding the verification of my tax return which will be sent over to my legal counsels of records and my certified public accountant for full review and to question as to why is XXXX in my personal business and in my personal affairs in regarding my tax returns and to question me or to even ask me for verification of such tax returns. I express this in my answer to this form that I consider to be as bogus as they XXXX come. Since XXXX wants to verify such records as my tax return and thinks that they are entitled to my tax returns transcripts. I too would like XXXX to send their records request to the XXXX XXXX XXXX XXXXXXXX, Department of Veteran Affairs, and any other employer of record to get whatever records they may need in nature to their request. Ask them all for their PROPER RECORDS under verification and attached their W-2s C, rules, and regulations, applicable laws, and statutes to support their records under this verification process. I am not consenting to anything anymore in this country until your business or government agencies produce the PROPER RECORDS under sworn affidavits officially signed and sealed under blue and black ink by the authorized representative just like your return records are trying to get me to do. Discover Card Service and XXXX XXXX XXXX are not the same company or business or are not sister agencies among each other. Now that you have this OPEN RECORD which I will continue to keep open for the general public to read and review and as well as draw concerns XXXX XXXX XXXX has no right to be trying to probe into my personal life and private affairs trying to use some undercover tactics to get my tax returns or tax returns transcripts. Now that you are in here and we are verifying records please request that all your governments records be officially and legally signed off on in black and blue ink by the authorized representatives and attached the rules, regulations, policies, applicable laws, and statutes to your PROPER RECORD for full review and complete understanding. This is a very simple OPEN RECORD request for ALL your PROPER RECORDS under the name of XXXX XXXX XXXX. If there is any debt owed or due, then such PROPER RECORDS must be attached with a legal receipt of record for full payment and payment processing. I am returning your records attached for evidence for more work and a full explanation of who, what, when, and where such person or body of people gave you my information to run and to try to get me to consent to something that I clearly dont appreciate. If any things are to be reported to XXXX XXXX XXXX XXXX Discover Card Service reporting any kind of late payments or delinquencies? Now produce my credit profile/credit report with all receipts or amount owed due or that is late with Discover Card Services. If you have any issues or problems, you have my consent in this written communication to contact my legal counsels of records and my certified public accountant for they too will be getting this communication to support your email request for any records of mine under a sworn affidavit with your paperwork signed off on in blue or black ink only. You suppose to have everything about me since you have my name, date of birth, and social security number. The records that I have from you that you provided to XXXX XXXX XXXX, XXXX. will be returned for more work as well. If you have a legal counsel of record on staff or that is representing you, then please share this open letter with him or her to further assist you. If I can sign records, then so can you officially and legally sign off on such records under the exact name of the person listed in the signature block for full accountability. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX CC : XXXX XXXX XXXX XXXX IRS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/19/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 78757
Web
To whom it may concern, On XXXX, XX/XX/XXXX I purchased a gift for my boyfriend from a seller based in XXXX totaling {$500.00}. I used XXXX to check out so that I would have an additional form of protection in case something went wrong. When checking out the estimated delivery was said to be in 15-20 days. It was shipped out the next day. I saw that the estimated delivery was earlier than anticipated and called XXXX on XX/XX/XXXX at XXXX so that they can place my item on a vacation hold while I was away to visit my family out of state. The gentleman I spoke to assured me that I had nothing to worry about and that my item will be held at the local XXXX facility in XXXX, TX for pick up whenever I will return. I called XXXX again on XX/XX/XXXX to make sure that my item was being held at their location and the lady I spoke to confirmed that they had my item and that I will be able to pick up at my convenience. Two days later a member of my household tested positive for XXXX and we all had to quarantine for 10 days as well as reschedule our flight back to a later date. Upon returning to Texas, the next morning I drove 40 minutes to my local XXXX office and the lady at the office told me that they don't know where the package is and to come back in another 2 hours while they locate it. When I came back she simply told me they don't have it. They claim that the package was delivered to my door anyway. However there was no package anywhere to be found when we arrived. My neighbors and the building 's management office also confirm they haven't seen it. I called XXXX again and now they already claimed that I never asked for a vacation hold. I tried to resolve with the seller but they kept saying that the package says delivered and that this isn't their problem anymore. I explained to Discover that it isn't right for the seller to send such an expensive item without insuring it or at least requesting signature on delivery and offering absolutely no customer service. When I asked XXXX about this issue again they said that they can not talk to me as they have a contract with the seller and they are the ones who should contact them. However the seller continued to do nothing. I opened a case with XXXX and Discover but XXXX automatically closed my case because according to them I was not able to have multiple cases open, which I wasn't aware of. When I called them they said that they're investigating but ultimately Discover will get to decide what the outcome will be. I tried to explain this whole situation in details to Discover and attached all the evidence. At first within few days they said the case was closed in my favor and I breathed a sigh of relief. However, several weeks later Discover suddenly reopened the case and without any explanation gave the seller back my money. I called them to ask what happened but all they said is that they're investigating and that I will get the money back shortly on my account. I asked if there is any additional evidence they needed and they informed me that everything was fine and that I should just be patient. I called again in another month to check the status and ask why I still didn't get the credit they promised me but again they informed that a credit will be posted to my account shortly, which never actually happened. After 3 months of waiting they ended up closing the case in favor of the seller without any explanation and XXXX automatically did the same. So in the end I never got my item, lost {$500.00}, wasted countless time and nerves on correcting someone else 's mistakes which I still unfortunately wasn't able to achieve. Please find attached below my receipt from the purchase, airline ticket, time and date of phone calls to XXXX from when I requested to put my package on a hold, messages from XXXX telling me that it is the seller 's responsibility to contact them about the lost package, my emails with the seller where they completely ignore the problem, Discover 's final resolution and a complaint against XXXX on XXXX XXXX XXXX that I opened where they eventually admitted that they didn't follow instructions but still refuse to reimburse me for the amount I lost. Please look into this and get back to me as soon as you can. Thanks, XXXX
03/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NC
  • 27127
Web
To whom it may concern, my urgent request for an investigation into identity theft and fraud has led to the Discover Card company violating my rights. XXXX XXXX and XXXX of the year XXXX, Discover Card allowed the activities that as of right now constitutes fraud and theft. I have verbally spoke with the company to the heights of argument over records and misrepresentation. The credit card company has fought with me over months and has allowed the same person who took advantage of my personal information to continue misleading and lying about the account that she opened using my vital information. Up to now, Discover Card has denied my rights under law to thoroughly have the investigation that this issue calls for. Also, Discover card has enabled this person to manipulate policy, precedure, and protocol, allowing her to doom my credit history with no penalties towards her nor this situation reversed or investigated. I have proof to how, when, why, and documents to show that Discover Card did knowingly violate my rights to privacy, violations of 15 U.S. Code 1644, and enabling criminal activity. The card that was established in my name, I did not know about until XXXX. The card had been a secret from XXXX to XXXX as of my knowledge to whose credit the card would be accustomed. In XXXX, I received a call from Discover Card stating that I had defaulted on an account associated with my name and social security number. Upon my questioning Discover how was the information that was presented, at that time, valid. Discover asked me about my last XXXX digits of my social security number. I quickly gave the information and was presented with the harsh news. Since then I have pleaded my innocence, reported other cards that had been established the same way by the same person, been denied my rights to dispute, sent numerous bills, witnessed the admittance from the other party, shared the admttance with Discover Card, complaints filed, tried clearing my name, and receiving responses from the credit card company that are disturbing. Like for instance, after many conversations with the other party, a representative of Discover Card during the height of pandemic, shared with me that the other party stated that I was computer illiterate and had discussed applying for the card through Discover in which both exaggerated lines are so far from the truth. This and many exaggerations led Discover to deny me and my accounts of the truth the due course of dispute, termination of all debt because of the fraud, and a host of embarrassing, anguished, and uncalled for arguments on social platforms like XXXX. The city in which i lived knows about this altercation and misuse, my family, friends, associates. And the other party has been pleaded with to admit the truth and get the issue fixed in fear of her being charged or other important lives such as my XXXX and her XXXX XXXX as result of her actions. I received a letter from the DOJ 's consumer protection. The letter suggests that i contact you, the CFPB for assistance. I place my whole truth in plain sight with this complaint. The sad revelation is that the other party is the mother of my child. All I want from Discover is that they restore my good faith by going back and undoing the mess that Discover caused while disputing against my truth, and that they erase my history with them, retrieval of all letters, bills ect., the discontinuation of any form of debt through invoice that would be sent with my name attached, and apology for allowing this misrepresentation to lead to my credit being damaged. Above all, in my request for remedy, all forms of XXXX or ill-will be prohibited. Along with monitoring by all the credit bureaus and higher authority in the case that Discover Card seek to hold anyone besides themselves accountable for this grave mishap. With the confirmation of the above course of conduct, I give assurance that I will not file any type of suit entering Discover Card as predatorial or any form of suit in court towards this company. This letter will be stored and recorded because I desire all truth to be known. A special thanks goes out to all the CFPB 's constituents and the byproducts of our society 's bureaus who regulate misuse and misconduct.
10/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • NJ
  • 08816
Web Older American
This company claims I called in when I did not I asked for the phone call I do not get it they said I find the affidavit I dont believe it because my signature will not be on it they said they resolved all things within reason because of the evidence that they have there is none this is about to go to litigation unless they resolve it on their own accord or prove to me otherwise. I would like to see this affidavit as it does not have my signature I guarantee it that within itself is fraudulent and you went off of fraudulent documentation to consider a fraudulent account and dispute balance transfers. I would also like to listen to that phone call and hear myself state That I am submitting fraud claims against balance transfers because it was an inquiry of XXXX XXXX and that was it and if I have to subpoena the phone call to prove it to you I will. Then you state we called into the undisputed dispute no actually we called it in for XXXX weeks nobody will give us information until finally somebody competent enough would then tell us we could do undisputed disputes did it and then we followed up from there were none of your representations or anyone could do anything in their job category or description so once again where is your documentation I wan na hear the phone call because whatever youre describing is actually fraud within itself and for you actually having the negligence to allow somebody into my account is automatically available for a lawsuit so if I need to forward this to litigation I will because the what you were describing is not the events that happened whatsoever and I had no idea of what youre talking about so with that said there is no signed affidavit with my signature on it and there is no phone call with my voice on it and if you claim that there is then thats your negligence allowing somebody else into my account to do as they please. This is exactly why we explain to you that my son-in-law was going through identity theft and anything and everything that is related to him is having an issue is exactly why we removed him from as an authorized user know what that said you were saying somebody called in and pretended to be mad when we wrote documentation signed at both parties and said nobody called in and that you should fix this immediately you neglected to do so sent us XXXX different letters XXXX stating that you withdrew to dispute the other XXXX saying you dont know who we are you did that XXXX separate times on XXXX separate occasions on XXXX separate dates making it very confusing on what the XXXX you were trying to solve the puzzle you were trying to solve is incompetent because there is nothing that we did theres nothing that we called in about and youre stating that somebody called in and pretended to be me I want that phone call I want to affidavit that was apparently signed by me its not my signature my signature is on the piece of paper that I sent you stating to you that you need to send those funds back to those institutions that you got fraudulently closed because you decided to reverse something that I did not and if I need to take the state of Superior Court or any type of courthouse with my lawyer I will do so as you do not have any evidence no phone call with my voice or my signature on anything besides the statement me and my son-in-law wrote stating that we do not know what the XXXX you were doing and you need to reverse this because it is all done in error and you on your own accord decided to dispute XXXX transactions and get everyones credit shot out ruin their lives and have caused hardships beyond belief so congratulations to a Discover card you are now going to be involved in the best litigation process for my lawyer yet to come unless you resolve this immediately because your process does not sound like anything that is actually logical so when we subpoena those phone calls and we get that affidavit and we prove to you that thats not my signature with a in handwriting analysis expert and we prove to you that thats not my voice on the phone youll be very disappointed to hear that you did your job so improperly so negligently that you ruined our lives in the process and will always much more than what we are asking for you to do
06/12/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • XXXXX
Web
I previously filed a complaint ( XXXX ) against DISCOVER CARD for its unauthorized charge against my account. DISCOVER CARD did not even bother to type a letter and sent a copy of an unsubstantiated letter it conjectured and sent to me two years ago. So much for its customer service and response to a government agency complaint. The main points of my complaints are : 1- I signed a credit card authorization for a lawyer in XXXX with specific STIPULATIONS : that if it does the contracted work to my satisfaction, it can then, put that charge through. 2- I had specifically added STIPULATIONS into the authorization form for a good reason : so, the lawyer can not use it without my consent. 3- Clearly, it was not an unfettered authorization. 39 4- The lawyer did not finish the work in accordance to the terms we have orally and in writing agreed to. In fact, he ruined my credit in the process, and did work against my advice and wishes. 5- I asked the attorney to refund my money because he had failed to perform. He refused. 6- I contacted DISCOVER CARD and disputed the amount in question which was XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX XXXX ( {$3900.00} ). 7- I stated to DISCOVER CARD that the AUTHORIZATION in question was CONDITIONAL, conditions were imposed by me above my signature, and only I can judge whether those conditions were met. They have not been met. 8- I explained to DISCOVER CARD that I have been a customer for 32 years and I have paid my bills on time, never ever late. 9- I explained to DISCOVER CARD that the other party is an attorney with a long list of state and local complaints against him and his practices. I provide DISCOVER CARD with XXXX report giving the Attorney a failing grade F. 10- DISCOVER CARD took it upon itself to ignore me and take my money and give it to the attorney against my specific instruction not to do so. In doing so, DISCOVER usurped authorities that are vested in the judges in the court of law, not CREDIT CARD company staff. 11- I have explained to DISCOVER CARD that the Attorney was not entitled to that fund in any case. DISCOVER CARD stuck to its gun and stole my money and gave it to the law-breaking attorney. 12- It is now 100 % clear ( and it was clear to me then, despite DISCOVER CARD 'S intransigence ) that the Attorney was not entitled to that money : I have included three additional documents here to support my claim : ( A ) The attorney was in XXXX. I was in XXXX. According to XXXX law, he could have not represented me. DISCOVER CARD that saw it fit to sit in the judge 's seat and render opinion and judgement against me should have at least checked the laws. The attached document from the State Bar of XXXX shows that investigations about this attorney began in 2014 and culminated in him being disbarred for " for one year and placed on probation for two years. His suspension 's time frame is contingent upon paying restitution. He must make restitution of {$3900.00} to two clients. XXXX stipulated that he collected an illegal fee to perform home mortgage loan modification legal services in XXXX, where he is not licensed to practice. He committed similar misconduct with clients in XXXX, XXXX, XXXX XXXX and XXXX XXXX. He charged and collected legal fees for loan modification services in XXXX before he had fully performed those services. In aggravation he had one prior record of discipline stemming from five ethical violations in two client matters. He has shown a pattern of misconduct. He caused significant harm to financially vulnerable clients. He showed indifference toward rectification and atonement for the consequences of his misconduct. He failed to make full restitution to two clients. '' Between its customer of 32 years and the attorney, DISCOVER CARD sided with the attorney. In fact, the attorney had not right to collect this money, and DISCOVER CARD which sat in judgment should have known the law instead of aiding and abetting the Attorney in its illegal acts. ( B ) I have attached screen shots from XXXX showing the attorney rating is F, and from Yelp showing that the attorney is out of business. I need DISCOVER CARD to send me a letter of apology and pay me back my money {$3900.00} plus interest.
12/23/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • TX
  • 77840
Web
On XX/XX/XXXX, I discovered that I had several credit cards on my credit report that I had never heard of or seen. I suspected my mother had opened these cards under my name and social security without my consent or knowledge. Many of these cards ' addresses, phone numbers, etc. were listed under her addresses and phone numbers. The following day, on XX/XX/XXXX, I spoke with a police officer from my local department ( XXXX XXXX, XXXX ). When I explained to him that the crime began in and occured in XXXX while I was still living in XXXX he recommended I make a report out with my local police department there due to state jurisdictions. On XX/XX/XXXX, after several phone calls, I was able to file a police report over the phone with the XXXX, XXXX police department. Following this, I contacted Michigan Consumer Credit Lawyers ( a branch of XXXX XXXX XXXX XXXX XXXX ) to get advice or help disptuting the fraudulent account. Over the course of the next few months, until XX/XX/XXXX, I had several communications with the and provided them a copy of the police report I filed as well as copies of a few bills I had received in the mail. On XX/XX/XXXX, they mailed dispute letters to XXXX, XXXX, and XXXX. Following this, I began to letters from some credit card companies asking me to mail them a copy of the police report and/or fill out fraud affidavits. On XX/XX/XXXX, I recieved an email from their office stating they were closing my case and that the attorney did not want to take on my case. Following this, I began to contact each individual card company in order to get the fraudulent accounts removed from my credit report and my responsibility. For many of these companies, I filled out their fraud affidavits they mailed to me, and also mailed copies of the police report, proof of residencies going back to XXXX of XXXX, and copies of my driver 's license. By early XXXX XXXX 11 out of the 13 companies had found the accounts fraudulent and removed them from my credit reports and are not holding my responsible for the accounts. The other two accounts that remain are Discover Financial Services and XXXX XXXX XXXX XXXX. For Discover, I have mailed them copies of the police report ; my proof of residencies from XX/XX/XXXX to now ; copies of my passport from when I was out of the country while the account was open ; and copies of my correspondance with XXXX XXXX XXXX XXXX XXXX. The account has been investigated twice, and each time they found the account not fruad. As of right now, they will not reopen the invesitgation without " additional informaition ''. They have told me they are waiting to hear back from the detective investigating my case ( Det. XXXX XXXX, XXXX, XXXX police department ) to decide if they can reopen the investigation. I have spoke with the detective a few times asking him to return the calls they made to him, and he has told me he will get to it when he can. The last time I had spoke with Det. XXXX was XX/XX/XXXX. I have not checked with XXXX to see if they have spoken with him since XXXX XXXX, XXXX, nor have I receieved any correspondance from them. Starting on XX/XX/XXXX, I started to receive daily calls from Discover attempting to collect payment on the account I am disputing. Despite discussing with them several times that the account is fraudulent and that I am still disputing it, they refuse to stop attmepting to collect payment and have reported me 60 days late on the account. I was taken off their call list after two weeks of phone calls, at my request, but they continue to send me statements in the mail. I am currently attempting to get a lawyer, but I'm a XXXX currently and so I have to find one that is willing to represent me for free beause it is not something I have the finances for at this time. I have no other information to give to Discover, and have provided them with a much larger amount of documentation that I have to any other card company that has found their accounts fraudulent. Due to all of this, I would like to file a complaint against Discover Financial Services for attempting to collect a disputed debt, and for holding me responsible for an account for I which have provided suffcient evidence that it was not opened nor used by me.
11/18/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • FL
  • 33463
Web
This is a copy of the email I sent to the ceo and several administrative persons at Discover Card. They didnt even reply to my email until I sent it a second time. The date we found out our credit cards were not working was Friday XX/XX/XXXX. My first call as described below was on Sunday, XX/XX/XXXX. Problems with my business and personal Discover Card accounts. 30yr.+ customer 2ND EMAIL- I am writing you this evening because last week both my Discover Business account and my Discover Personal account seemed to have been closed down. Both my wife and myself were out, each in our own car, trying to get gas and our cards did not work. No notice, no email or no letter was ever sent. I have been a Discover Card customer for over thirty years and this was a shot below the belt that we did not expect. We had been both using our cards regularly with no problems until this. So on Sunday I called customer services. The rep could not understand why our accounts were closed. What she told me was that the business card was closed and referenced to the personal card, and the personal card was closed and referenced the business account. She told me that the departments that handle this were closed until Monday. She said I should call back then. I asked for a call back on Monday morning which is today. She said she would leave the request as needed. I was on the phone for fourty-five minutes and got nowhere. No one ever called me today, which did not surprise me.so I called and spoke to a rep who connected me to direct account review. After another thirty minutes on the phone I still dont know where I stand with Discover Card. XXXX XXXX in your direct account review department was very cordial but still could not find the reason for my account closures. He promised to call me back with an answer. This is not the first time I have had problems with my Discover Cards, but it is the most trying problem of thirty years plus as a customer. I can guarantee that whatever the problem might be it is not from me. My concern now is this cancellation of my cards will appear on my credit reports and I will have to dispute any derogatory allegations from Discover card. My contact information is: Left blank I do expect prompt satisfaction to this problem that I did not ask for. Yours truly, My name Received a call and email from the executive offices of Discover Card on Thursday, XX/XX/XXXX. Nothing was resolved. Their email to me: On XX/XX/XXXX, at XXXX XXXX, Executive Office of Discover Financial Services wrote: Dear My name Thank you for your recent correspondence to XXXX XXXX, Chairman and Chief Executive Officer at Discover. To ensure your concerns are properly addressed, your email has been forwarded to my attention at the Executive Office of Customer Advocacy within Discover. I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. If you have any questions or would like to provide additional information, please feel free to contact me at XXXX. I am typically available Monday-Friday, 9:30 a.m.-XXXX XXXX. (ET). Sincerely, Associate, Executive Office of Customer Advocacy I sent the following email today, Friday, XX/XX/XXXX: Dear XXXX. left blank, I am extremely upset at this point. I contacted Discover card on Sunday, XX/XX/XXXX and still cannot use my account. Never has anything such as this ever happened to myself or my wife. What seems to be the problem here? I have never been given any answer why I cannot get into my personal and business Discover accounts. I have never been late on payments. Up to this date no one from your company has given me any answers whatsoever. My wife is especially upset as she was in a line to pay for items and the card was denied. She had to use a different card but felt embarrassed as anyone would be if you card was declined in front of people. I am demanding an apology. I am also demanding my cash back money which is rightfully mine for both of my accounts. I will soon be contacting the Consumer Financial Protection Bureau Bureau.if necessary I will also be sending my complaint to XXXX XXXX, XXXX and XXXX. Signed: My name
05/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • CA
  • 90503
Web
In XX/XX/2020 my wife passed away. Before my wife passed away, unknown to me she had opened a credit card account with Discover Credit Cards. She used my Social Security #, her business PO address, her email, her phone number. I never signed anything, nor had I any knowledge of this. My wife used it for house hold purposes, so it was not like she was stealing from me. So after her sudden death, I had no idea this account existed. Also, we ended up in probate court and much of my assets were frozen. Everything was in my wife 's name, I was diagnosed with XXXX a year earlier. Then XXXX hit a month or XXXX later. DMV, Courts, everything closed. It took me a while to find the my wife 's business po box . All the statements were being sent there. Then I had to find the key, when I finally got in the box it was completely stuffed with all kinds of bills and mail. I had enough funds to cover all the bill however it was locked up by the courts and in her probate estate. I had no problem paying off the all the other credit cards in her name as I'm allowed to pay her debts with her estate funds. However Discover was in my name. As soon as I found the Discover statement, I called them, I didn't dispute the charges, but I explained to them the situation and I asked them to put the debt in my wife 's name and I can pay them right away. They said the couldn't do that. I pointed out that they did not even have any of my information until I just gave it to them, surely you can do this simple thing for me. They refused. They claim it was fraud and I needed to file a fraud claim and that is the only option I had. So reluctantly I did. It was hard filing papers that made my very recently deceased wife look like some kind of criminal. But I had no choice, I didn't have any funds available at the time. There was over $ XXXX cash probate locked up. After all that Discover said, that it was not fraud. So I asked them for statement or proof that they had my wife 's data on files at least and they said I had to do all that myself. They refused to help me in any way. So I did the best I could and had my attorney petition the courts so that I would be able to make this payment. It was a long grueling process with COVID and courts closing and all this. In the end my attorney said to go ahead and use the funds to pay it he will fix it with the courts. So technically I illegally paid this debt ( with my own money ). I asked Discover if they could clean up my records and they assured me they could after I sent the money. They never did. I never ran from them, never did they have to chase me, I did everything I could to get them paid as quickly as I could. They refused to help me and if you ask me they were 50 % responsible along with my wife for creating this mess in the first place. They only had my SS #. Did they check nothing? And now I have a blemish on my credit history, I'm the only XXXX that didn't make a mistake, I'm the one that cleaned the mess up, I paid for all of it including late charges. I do not feel that I should be the one to have anything negative marks on my credit history or anything else. I think they owe me and apology and a thank you! This is totally unfair and unjust. I'm the exact type of person who creditors would love to do business with. In contrast other creditors treated me completely different. As soon as they knew of a death in my family XXXX sent me directly to the XXXX XXXX XXXX. They stopped charging me interest right there. I didn't even ask. They said, " Do not worry, we are with you, we are going to work through this together and your credit will be undamaged in the end, we are so sorry you are going through this. '' And they did. Discover was horrible. During a time when I thought I hit rock bottom, they managed to show me that I can still burrow down a bit deeper and if couldn't do it they were happy to give me a hand to do that. It's amazing the amount of effort they would make to hurt me even when helping would have been less work for them. They need to really reflect on their business practice. And if you look at my credit report you can see what I say is true, everything is prefect except Discover looks like a train wreck.
10/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Was not notified of investigation status or results
  • CA
  • 92612
Web Older American
COMPLAINT ID XXXX According to the feedback from the complainant, the deadline is XX/XX/XXXX. As I have not yet received a response from DISCOVER, I would like to reiterate my complaint regarding the actions of such a credit card company Dear Sir and Madam, as CFPB has conveyed my complaint against DISCOVER, DISCOVER has informed me and will inform me of the investigation results of credit card fee fraud. I haven't received a response from DISCOVER yet. However, I received a message from CFPB requesting me to provide feedback before XX/XX/XXXX. It has been over two months now, and I still have to file a serious complaint against DISCOVER 's customer billing policy because it harms the interests and rights of customers. Because it was precisely due to the intervention of CFBP in XXXX that this incident had the possibility of being resolved. Since XX/XX/XXXX, I have had multiple controversies with DISCOVER regarding their charging policy. From email correspondence with them to letter correspondence, to writing to XXXX XXXX XXXX XXXX at DISCOVER CARD CORPORE HEAD OFFICE HEADQUARTERS, and then complaining to State of CALIFORNIA DEPARTMENT of FINANCIAL PROTOCTION AND INNOVATION CONSUMER COMPANIENT ( XXXX XXXXXXXX ), all have not been resolved. Finally, it was CFBP 's intervention that led to the outcome of my appeal. It is also due to the intervention of CFPB that DISCOVER has responded to the handling of this case. Finally sent me the adjusted bill on XX/XX/XXXX. However, this bill came too late because I still have to complain about DISCOVER 's policy of harming customers. And requested an apology statement from DISCOVER, as well as a subsidy for the postage and time lost. 1. Regarding three controversial customers : XXXX XXXX XXXX XXXX XXXX XXXX {$11.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$39.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$14.00} Total expenses : {$66.00} XXXX. DISCOVER has an unfriendly policy towards customers : from the beginning, DISVOCER handled billing issues on the grounds of customers defaulting on debts and not paying. Therefore, they first investigate what bad records the customer has to prove the legality of DISCOVER charging fees to the customer. In fact, DISCOVER knows that this is a legitimate and fraudulent automatic charging system used by merchants and sellers in the financial system. I can not assert that DISCOVER has any improper connections with merchants and sellers, but when customers raise objections or disputes about the fees charged by merchants and sellers, DISCOVER should temporarily retain the disputed fees and initiate a fraud investigation, rather than directly placing the disputed fees in the customer 's payment form and adding fees such as delay and interest. They have reason to trust merchants and sellers, and I don't express any opinions, but their lack of trust in customers is unreasonab3. Due to the inadequate working methods of DISCOVER employees, it has damaged the reputation of customers and weakened their trust in DISCOVER. Contributed to the development of credit fraud incidents. Why? Since XXXX last year, I have been raising this unreasonable issue with DISCOVER. After multiple negotiations with DISCOVER, I wrote to them on XX/XX/XXXX requesting the closure of my account. DISCOVER closed my account on XX/XX/XXXX, but before the closure on XX/XX/XXXX, XXXX merchants and sellers demanded that I pay {$55.00}. XXXX XXXX XXXX XXXX XXXX ) When I disputed the fee and wrote a letter to the merchant and seller using the address provided by DISCOVER and CERTIFIED MAIL, SUPS found that there was no address for this company! However, DISCOVER has been sending me payment reminders for about a year, which I can not bear. 4. The way DISCOVER treats previous customers can also affect other customers. In fact, when a customer files a complaint, DISCOVER should handle it promptly and the customer will not file an appeal. However, in DISCOVER 's policy, some employees use this policy as an excuse to conduct fraudulent investigations against customers, which undermines their rights and emotions. Shouldn't DISCOVER be responsible for this? DISCOVER should be responsible for my losses! Sincerely!
03/31/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • ME
  • 041XX
Web
I am writing to submit a complaint about Discovers Fraud Protection Services and their failure to complete a reasonable and thorough investigation into the Identity Theft and Fraud that was committed against me. I submitted a dispute against all charges on or after XXXX on a Discover Card account ending XXXX as unauthorized. They denied my dispute and supported their denial with payments I made on the account in XXXX. Their evidence is prior to the date my dispute begins and is therefore irrelevant to my dispute. Let me explain : I recently learned that my soon-to-be ex-spouse has committed significant identity theft and credit card fraud against me. He found some old credit cards of mine that I thought were closed and used them without my knowledge or consent. ( He also opened several credit cards using my personal information, without my consent or knowledge. ) My soon-to-be-ex spouse then built up a lot of debt in my name, mostly to fuel his addictive habits that he had led me to believe were under control. To my knowledge, I did not benefit from any of these unauthorized charges. He accomplished this because he was abusive and controlling and had full control of the mail, and because he took advantage of my vision impairment to ensure that I did not have access to any evidence of these debts that arrived by mail. I am working with a lawyer and have filed police reports and reports with the FTC. With the help of staff at my attorney 's office, I found that beginning sometime during or after XXXX he charged thousands of dollars to an old Discover card of mine, account ending XXXX. He then tried to pay it down without my knowledge by opening an account with a debt repair company called XXXX, also in my name and without my knowledge or consent. Most disturbing is that he appears to have also forged my signature on a court settlement agreement with Discover as well. On XX/XX/XXXX we submitted a complaint packet for this unauthorized use of this account. The packet included : -- a cover letter from my attorney explaining the situation -- a letter from me detailing the fraud ; how I learned about it, how I understand it occurred ; how my spouse admitted to it ; and requesting that they cancel the account and find me not responsible for the debt because the charges were unauthorized. Discover did not reply for a long time. On XX/XX/XXXX they requested additional information, including information that we had already sent. On XX/XX/XXXX, we sent them an additional packet of information, including Discovers additional information form, where I made clear that I was disputing all charges after XX/XX/XXXX. On XX/XX/XXXX Discover responded that they did not accept our dispute. They claimed that their investigation found the account balance to be accurate. For supporting documentation, they sent images of checks that I had written in XXXX. Their supporting documentation demonstrates that they did not conduct a thorough investigation based on the facts that we shared. I opened this account some years ago, but I had stopped using it. I explained on their fraud form that I was disputing all charges during and after the year XXXX. The fact that I made payments on the account in XXXX is irrelevant to the complaint that I submitted. It was not until sometime around or after XXXX that my spouse began putting unauthorized charges on the account. Therefore, payments I made in XXXX are NOT evidence that charges made on the account after XXXX are authorized. If Discover had done a thorough investigation, they would have found enough evidence to determine that I had stopped using this card and this debt is not mine and is a product of unauthorized use, such as : A significant gap in use of this card between when I stopped using it and when my spouse found it and began using it without my permission. All wet ink signatures on any documents after XXXX do not match wet ink signatures from when I opened the account or on checks I wrote to make payments prior to XXXX. Discover did not conduct a reasonable investigation into these unauthorized charges. I feel that their " fraud protection services '' are not protecting consumers like me.
04/15/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Privacy issues
  • MT
  • 595XX
Web Servicemember
On XX/XX/XXXX I received a suspicious email from Discover Credit Card / Discover Protection Services XXXX. The email was requesting that I open a link in the email and complete IRS Form 4506 - C. My first thought was, why & under what authority does a creditor have to request access to my tax returns. I called Discover Credit Card at XXXX ( XXXX ) XXXX even though the email stated if I had any questions, I should call XXXX ( XXXX ) XXXX. I spoke to the Discover Representative and shared my concern regarding the email, the request of my tax returns, & phone number provided in the email. She advised me to ignore it because it was a scam, but I felt that the Discover Representative was not taking the matter seriously, so I asked to be transferred to the FRAUD DEPARTMENT. When I spoke to the Discover Representative in the fraud department, I was advised that Discover is demanding that I complete IRS Form 4506-C so they can review my previous 2 years of tax returns. I asked the Representative under what authority does Discover have to request the tax returns of one of their clients & I was told in a patronizing & sarcastic tone " IN THE CREDIT AGREEMENT '' I asked them to hold while I obtained a copy of the credit agreement & once I did I couldn't locate the wording of Discover asking & requiring a Client to complete & submit IRS Form 4506-C. I asked the Discover Representative to please guide me to where on the credit agreement it states that Discover can at any time demand a client to complete IRS Form 4506-C and have access to a clients IRS Tax returns. The Discover Representative stated, " I don't know where it is ''. I then asked to speak to a Supervisor and was placed on a extended hold. When the Discover Representative came back on the line, he stated that a Supervisor is not available & if I don't comply my credit card ending ( XXXX ) will be permanently closed & I will be responsible for any outstanding balance. I have two Discover Credit Cards, one ending in XXXX ( {$3500.00} Credit Limit ) & the other ending in XXXX ( {$5500.00} Credit Limit ). Since I was granted both Discover Credit Cards, I have an excellent payment History with no missed payments, late payments exceeding 30 days, & always paying more than the minimal requirement. On XX/XX/XXXX I filed a complaint with CFPB ( XXXX ) regarding Discover arbitrarily reducing my credit limit on my Discover Credit Card ending in ( XXXX - same card in this complaint ) EMPHASIZING that Discover actions has had a negative impact on my credit score, credit worthiness & resulting on my debt to income/available credit rise in a significantly. A discover representative contacted me after I filed my complaint with the CFPB & advised me that Discover is going to reverse their decision and restore my credit limit to it's original amount. It's been 4 months now since that incident and now I'm facing another incident with Discover regarding the same credit card ( retaliation for my original complaint filed against Discover with the CFPB??????? ) I refuse to comply with Discovers request to have access to my Tax Returns. Allowing Discover to have access to my confidential IRS data is insane. They already have access to my entire credit reports from the credit bureaus as well as my excellent purchase and payment history accumulated during my time with both Discover Credit Cards.If they have access to my IRS tax history, they'll know my charitable and political donation recipients, my investment practices including stock investment gains/losses and financial firms that I use for investment purposes and they'll know my deductions and expenses. Discover already have a privacy policy that allows them to share anything they know about me with their " business partners and affiliates '' for any purpose they want including marketing products and services & it's not in my best interest to empower any 3rd party marketing firms to target me. In the response from Discovery I will like them to direct me where I can read for myself that at any time they reserve the right to ask for my tax returns because I cant find it. Please refer to the attachment and view the Discover Credit Agreement.
11/12/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • IN
  • 46254
Web
On XX/XX/XXXX, we applied for a mortgage loan. On XX/XX/XXXX, we received unconditional approval for the loan. On XX/XX/XXXX, we were asked to pay {$540.00} for the appraisal and credit report. We were promised that the approximate closing date is set for XX/XX/XXXX. We were provided a loan tracker to monitor the progress of the loan. I check the tracker twice a day. On XXXX XXXX, XXXX, we called the bank. The bank promised to finalize the loan by the end of the week and setthe closing date for XX/XX/XXXX. On XX/XX/XXXX, the XXXX XXXX notified us that we have two liens on the propertyby Discover Card and XXXX. We told and provided the XXXX XXXX with documents stating that the two debts were dischargedby theFederal XXXX on XX/XX/XXXX, and attached all the relevant Court documents. On XXXX XXXX, XXXX, XXXX XXXX without our consent, contacted the Lienholder/creditor and received the letter saying that we owe them money ( court case # XXXX ) ( Portion of copy of letter dated XX/XX/XXXX as follow : ====================================================== XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX XXXX I XXXX I TTY - XXXX MON-FRI XXXX AM - XXXX XXXX EST XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Re XXXX XXXX XXXX XXXX Current Creditor DISCOVER BANK Account Number : XXXX Court Name : XXXX XXXX XXXX, Case Number XXXX XXXX XXXX File Number XXXX Current Balance as of XX/XX/XXXX : {$3800.00} =========================================== We did our lien search on our property, but, there is no lien on our property. On XXXX XXXX, XXXX, since XXXX XXXX contacted the " lien holder/creditor '' on their own without our consent, we asked to contact them to remove the lien put on our property. XXXX and the lienholder are adamant that we still owe them money. XXXX notified three options ; they are ( 1 ) pay them {$3800.00} ; ( 2 ) Cancel the loan and reapply ; ( 3 ) XXXX loan officer will cancel the loan and try to refund the fee but, we are not likely to get a refund. On XXXX XXXX, XXXX, we replied and forward/attach all the related Federal Bankruptcy Discharge and State court order documents over and over again and told XXXX that ( 1 ) We will not pay because we did not owe them. ; ( 2 ) We will not reapply the loan. ; ( 3 ) Refund the fee ~ {$600.00}. ( not an exact amount ) in order to avoid the lawsuit. XXXX should have the title search before the unconditional approval on XX/XX/XXXX. Had the XXXX XXXX done that, Why was the matter ( LIEN ON OUR PROPERTY BY XXXX AND DISCOVER ) not brought to our attention. XXXX XXXX should never take the ~ {$600.00}. fee from us by issuing false unconditional approval on the loan. XXXX XXXX on their own contacted the " Lienholder/creditor '' and conspire to collect a debt are discharged by the Federal Bankruptcy Court which in violation of FDCPA. ( ref. See Attached-Lien {$3800.00} LETTER from DISCOVER by XXXX & XXXX Co XXXX XXXX XXXX letter from LienHolder/Creditor DISCOVER represented by XXXX ) Fyi, XX/XX/XXXX Default Judgment entered Judicial Officer : XXXX, XXXX XXXX XXXX XXXX XXXX Court Costs plus Judgment : {$2500.00} ; Status : Active ; Signed Date : XX/XX/XXXX Awarded to : DISCOVER BANK Awarded against : XXXX XXXX XXXX Book XXXX XXXX, Page XXXX Judgment Book : XXXX, Page XXXX -- -- -- -- -- -- -- -- -- - XX/XX/XXXX Motion for Proceedings Supplemental Filed VERIFIED MOTION FOR PROCEEDINGS SUPPLEMENTAL Filed By : DISCOVER BANK Filed By : XXXX, XXXX XXXX Filed By XXXX XXXX XXXX File Stamp:XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX Proceedings Supplemental Session:XXXX XXXX XXXX, Judicial Officer : Shook, XXXX XXXX - XXXX Result : Commenced and concluded -- -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX Order of Continuance by Court Continued Indefinitely Judicial Officer : Shook, XXXX XXXX - XXXX Order XXXX -- -- XXXX XXXX -- -- -- -- -- -- -- -- Default judgment entered in the year XXXX which is superseded by XX/XX/XXXX, and XX/XX/XXXX Order of Court stated "... Continued indefinitely... ''. We file a Federal Bankruptcy Court on XXXX. XXXX, XXXX, and was discharged on XXXX XXXX, XXXX. ( See attached the Fed Bankruptcy Court of Order. )
09/27/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • TX
  • 77375
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Notice to Appeal Dispute Date : XX/XX/2018 A recent charge is fraudulently reporting on my account, as of XX/XX/2018. This charge was previously disputed and resolved in my favor. On XX/XX/2018, I froze my account after losing my Discover Card. My card was attached to my cell phone so I opted to freeze it as customer service claimed no charges had recently been made. Days later a fraudlent charge appeared for {$1900.00} and post dated from XX/XX/XXXX. This charge was disputed and Discover ruled in my favor. I was told ( and have saved all communication from chat and emails ) the documentation provided from the other party was not sufficient. This documentation did not meet the burden of proof. On XX/XX/XXXX I received the following email, We've completed our initial investigation of your disputed transaction and have found in your favor. This means we'll reverse the temporary credit on your account and apply a credit adjustment. You will not be charged for this transaction, including any related interest or fees. For the 5th time, the disputed amount was charged again to my account. XX/XX/XXXX, I received this email, I would like to explain what has happened. Because the transaction was on your previous account when we issued the provisional credit it posted to your previous account that the transaction posted to. We have requested the provisional credit be moved to your new account and should apply within 72 hours. I apologize for any inconvenience we have caused. After reporting my card stolen and being issued a new account, this retriggered my dispute as a new transfer amount on the new account. I WILL NOT be paying for a fraudulent charge. I have always paid what I owed. My stellar credit, never having on late fee or collection, all reflect this. I did not authorize the transaction. My consumer rights were stripped when this became a transfer balance account. I no longer receive email updates and disputing a transfer balance is not possible. After previously filing a complaint, I received a notification in the mail. Discover claims to have closed my account and would be reissuing a new account number and card. These tasks were completed 4 months prior. My account was closed after my dispute back in XX/XX/XXXX. Yet, this recent correspondence was dated XX/XX/2018. Aside from this odd communication there have been no new changes. Consumers rights are violated when allegations are dismissed without consideration. The signature provided looks nothing like the signatures used for myself or my wife. Response recorded for legal purposes. Please Advise, XXXX XXXX DISPUTE TIMELINE XX/XX/XXXX- XX/XX/XXXX STATEMENT Sat XX/XX/2018 - Fraudulent Charge Made - Although posted to account over a week later. MANUALLY KEYED - XXXX XXXX Merchant name is XXXX XXXX XXXX FL Merchant category is Travel/ Entertainment Charge Amount is {$1900.00} XX/XX/XXXX - Requested a Freeze on Account After Losing Cell Phone With Credit Card Attached At this time, the previous charge did not appear. I was assured when freezing the account that there could be pending amounts but no pending amounts were shown at that time. Fri XX/XX/2018 - Temporary Credit Issued Merchant name is XXXX XXXX XXXX FL Merchant category is Travel/ Entertainment Credit Amount is {$1900.00} XX/XX/XXXX- XX/XX/XXXX STATEMENT Sat XX/XX/2018 - Original Dispute Date Appears again as a charge on statement. Recorded emails and chat room messages provided. Apologies were made and Discover assured me the charge would, again, reversed. Merchant name is XXXX XXXX XXXX FL REVERSAL OF TEMPORARY CREDIT Merchant category is Merchandise Charge Amount is {$1900.00} XX/XX/XXXX - XX/XX/XXXX STATEMENT Sun XX/XX/2018 - Dispute Date Changed - Fraudulent charge reposts as TRANSFER BALANCE Merchant name is TRANSFER BALANCE Merchant category is Payments and Credits Credit Amount is - {$1900.00} XX/XX/XXXX - PRESENT XX/XX/2018 - Dispute Date Change - Fraudulent charge reposts as TRANSFER BALANCE Merchant name is TRANSFER BALANCE Merchant category is Other/ Miscellaneous Amount is {$1900.00} A FRAUDULENT ACCOUNT IS NOT A TRANSFER BALANCE.
12/29/2017 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Banking errors
  • IL
  • 60640
Web
On XXXX XXXX, XXXX, I opened a XXXX XXXX account from XXXX XXXX through a promotion they offered. The promotion indicated that depositing {$15000.00} or {$20000.00} by XXXX/XXXX/XXXX would earn a bonus payment from XXXX in the amount of {$150.00} or {$200.00}, based upon the amount deposited into the account. Despite having met the requirements of the promotion ( my balance in the account was {$15000.00} on XXXX/XXXX/XXXX ), they refused to provide me with the bonus for {$150.00}. Prior to XXXX/XXXX/XXXX, I did not have a XXXX XXXX account and therefore had {$0.00} on deposit with their bank. Then on XXXX/XXXX/XXXX, I had {$15000.00} on deposit with them in my savings account. In between those dates ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ), I made a variety of deposits and had interest deposited into the account by XXXX until the balance reached the {$15000.00} on XXXX/XXXX/XXXX ( see amounts and dates below ). This pattern of activity satisfied the terms of the promotion to earn the {$150.00} bonus payment but not the {$200.00} payment. However, XXXX XXXX claims I did not meet the terms of the promotion at all. I contacted XXXX XXXX on or about XXXX/XXXX/XXXX to inquire when I saw that the {$150.00} bonus still had not been paid out to me ( the promotion stated that the bonus would be paid by XXXX/XXXX/XXXX ). At that time, I was told the issue would be investigated, which could take up to two weeks. On XXXX/XXXX/XXXX, I received a letter ( dated XXXX/XXXX/XXXX ) from XXXX XXXX stating that I " did not meet all of the promotional criteria. '' However, the letter did not specify what criterion or criteria I did not meet. Thus, I called XXXX XXXX customer service again on XXXX/XXXX/XXXX to get more information and request my bonus payment. The numerous representatives with whom I spoke all stated that the " marketing department '' reviewed my complaint and that I was not eligible for the bonus payment and that nobody would be able to help me. Finally, on XXXX/XXXX/XXXX, I spoke with a third person who claimed that he would further escalate my issue. I was told that I would get a response by early XXXX XXXX ( within 10 business days ). All of the representatives I spoke with that day claimed that the deposit of interest into the account did not count toward the {$15000.00} in deposits required for the promotion. It should be noted that the fine print of the promotion did NOT stipulate that deposits of interest did not count toward meeting the requirements. Also, I had transferred a total of {$14000.00} into the account ( just {$2.00} shy of {$15000.00} ) and the amount of interest that XXXX said did not count was only {$2.00}. The only reason I did not transfer more into the account from my other bank was the fact that I was in fact transferring enough to meet the {$15000.00} deposit requirement. Why would I aritrarily deposit even more? Had I known that the deposit of interest would not count, I easily could have deposited {$2.00} more from my other bank. Here is the history which demonstrates that {$15000.00} or more was deposited into the account by XXXX/XXXX/XXXX : Acct History : XXXX/XXXX/XXXX - Account Opened Balance - {$0.00} XXXX/XXXX/XXXX - DEPOSIT - {$100.00} Balance - {$100.00} XXXX/XXXX/XXXX - DEPOSIT - {$3000.00} Balance - {$3100.00} XXXX/XXXX/XXXX - DEPOSIT - {$2400.00} Balance - {$5500.00} XXXX/XXXX/XXXX - INTEREST PAID - {$2.00} Balance - {$5500.00} XXXX/XXXX/XXXX - DEPOSIT - {$5000.00} Balance - {$10000.00} XXXX/XXXX/XXXX - DEPOSIT - {$4400.00} Balance - {$15000.00} I find the promotional language to unclear at best and misleading at worst. In fact, I met the terms of the promotion as written ; however, XXXX XXXX claims that their terms are actually different than what was written in the promo language ( i.e., that interest does not count ). The terms did not specify that interest did not count, and I find this " change '' in terms to be an attempt by the XXXX XXXX to change the terms after the fact so that they do not have to fulfill their obligations to their customers. XXXX XXXX should remedy this issue and credit my savings account with the {$150.00} bonus payment that I am owed.
05/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 243XX
Web
XX/XX/XXXX I contacted Discover after getting a bill for {$3500.00} charged to a new account, Discover never contacted me about the disputed charge that is UNAUTHORIZED. A lawyer for Discover harassed me on the telephone, refused to identify their law firm as a collection representative violating my rights under FDCPA. Their lawsuit was withdrawn due to rules of evidence and a right to litigate the account. ( I was told in writing that a summons could not be served, another lie ). XX/XX/XXXX, I was denied credit because this Discover account and one other credit card was maxed out and charged off and reporting on my credit file as derogatory. None of these charges were from the use of the account and it puzzles me how the high balance is reported as exceeding eight thousand dollars and I never used this account to purchase any goods or services. XX/XX/XXXX, I sent Discover a settlement offer delivered by XXXX and it was never answered. A second offer was mailed on XX/XX/XXXX XXXX, both settlement offers include a proposed offer to pay the account in full upon assurance from Discover to send me the Instrument of Indebtness in immediate exchange for payment. Discover never responded to my offer and refused my payment of this account forever. I do not admit this is my debt but made a good faith offer to remove this from my credit report as delinquent. XX/XX/XXXX, I wrote XXXX XXXX, vice president of customer service with a letter to investigate this account under the provisions of FACTA because the credit bureaus report this account is verified as accurate and refuse to produce any documents that indicate this is my account and the charges were ever authorized. Discover has never sent me any document bearing my signature or any other paper as proof of verification as indicated by XXXX XXXX XXXX ( a sworn statement, deposition, a contract, charge slips ). XX/XX/XXXX, I mailed a letter of Identity Theft to the Discover Fraud department located in Utah. The envelope was never returned to me and I am unaware of any communication by Discover to notify the credit bureaus the account is disputed as Identity Theft and subject to an extended fraud alert. XX/XX/XXXX, I wrote Discover a second Validation letter, mailed to XXXX Delaware asking for full accounting, all instruments, payments, charges made, copies of charge slips, and all documents that can prove indebtness. Discover responded that this investigation has already been conducted and refused to provide any additional information per my written request. XX/XX/XXXX, I sent Discover a second notice of Identity Theft via Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) and once again, Discover has not sent me any mail as acknowledgement and to my knowledge has not contacted the credit reporting agencies to give notice of the fraud reported by a consumer. XX/XX/XXXX, I mailed a copy of the Identity Theft letter dated XX/XX/XXXX to XXXX and their dispute results indicate the Discover account # XXXX is verified as accurate and some other updated information ( very unclear of what is updated ). There is also a note that says DISCOVER DOES NOT KNOW HOW TO CONTACT ME TO DISCUSS THIS MATTER DIRECTLY. This is just an excuse because I have written Discover, called them on the telephone and asked Discover to send me proper documents that can verify any obligation to pay the alleged debt reported as accurate. Discover refuses to produce any document and " Silence is Acquiescence '' appears to be their answer to the alleged proof of debt. A Federal Trade Commission affidavit was mailed to XXXX, XXXX and XXXX credit Reporting Agencies indicating This account with Discover is the result of someone misusing credit card accounts in my name and instructed to block credit reporting under FCRA section 605B. I have learned from Discover that factual documents do not exist and a powerful financial entity can argue any consumer is responsible for their own financial gain. CRA 's pass on the same information and place the burden of proof on a consumer due to politicking and it's just unfair for a consumer to endure such bad faith operations by a financial giant.
05/28/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MA
  • 019XX
Web
Discover Card is refusing to provide me with an accounting of how they apply my payments, and is intentionally avoiding transparency in their handling of the funds I am paying them. Discover accepted several balance transfers from me over the past few years. Several times ( XXXX in the last 90 days ), I have called Discover Card Customer Service in an attempt to get information about how they are applying my payments to the different balance transfers currently on the card. They assert that nobody can provide that information, because it is an algorithm that assigns the funds ( which is absurd - people write algorithms and someone there knows how it works ). The real problem, from where I am sitting, is that they seem to be hiding behind a phony technical challenge to avoid customers finding out that their algorithm does not follow the description given to me by customer service of how the payments will be allocated. They claim to have a payment application process as follows : the minimum payment goes to the balance with the lowest interest rate. They further claim that everything over the minimum payment is then applied to the highest interest rate balance, then to the next highest, and if more than XXXX balance is at the same interest rate, they will apply any remaining funds to the balance transfer that will expire first. This is not how the math breaks down on my actual statements. Example 1 : XXXX of the balance transfers had an introductory period that ran out when there was still a small balance. Per my contract, the balance was transferred to the current XXXX XXXX the card has. I have no issue with that. However, for XXXX months in a row, I paid much more than would have been required to pay off the balance that was at the XXXX XXXX. Nevertheless, every time a new statement was generated there was a small amount of " trailing '' interest that they had not paid off. The reason I noticed this was because it was in opposition to what Discover had told me would happen. Each month a tiny balance was still left under the XXXX XXXX - again, a much higher rate than any of the balance transfer interest rates ( we are talking month after month balances as small as {$1.00} and eventually {$.00} stuck at that XXXX XXXX ). I do not use the card for purchases, so this balance can not be left from a purchase- it is left from the small balance transfer whose intro rate ran out and so it was moved to the XXXX XXXX. Example 2 : Another balance on the card is at a 6.99 % interest rate. Discover customer service itself told me that if I paid an amount in excess of both the balance on the purchase rate, and the balance on the next highest interest rate, and the balance on the next highest interest rate after that one, I would have paid off all the balances that were due before XXXX, XXXX. I did the math and anything over {$10000.00} would have covered all of those balances, so that is what I paid. However, on the next statement I still had balances at ALL those interest rates. Unfortunately, I have more examples of this. Yesterday, I spoke with someone fairly high up at Discover. It became pretty evident to me that she was not only familiar with this issue, but familiar enough with it have a ready-made " nice '' thing to do in hopes I would be quiet and go away- she removed all of the interest from my last month 's bill. She could not, however, tell me anything about the mysterious algorithm, and gave no response when I asked her why the real-world payment application did not match her explanation ( and all the Discover Customer Service Rep 's explanations ) about how customer funds are allocated to balances. My particular story is not very dramatic, and I am not here to complain about a few pennies in interest. I am here to complain that it can't possibly be ok for a major credit card company to refuse to tell you how it allocated past payments. In addition, considering how many people probably have Discover Cards, my few pennies could scale up to real money if they are doing this to everyone. It is deceptive, misleading, unfair, opaque, and insulting. If it isn't illegal yet, I hope it is soon.
08/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • IL
  • 604XX
Web
I want to complain about two facts. 1- if the due date of the statement XX/XX/XXXX and minimum payment is XXXX, and I make purchase on XX/XX/XXXX why it goes to my credit score as increase balance and lower my credit score where the balance that we talk about just the new purchase that occurred on XX/XX/XXXX ( yet discover would generate two account statements where the difference between them two days just to hurt my credit score while i pay for each purchase immediately after pending and processing is open or allowed discover block me me from payment it take 6 days of the purchase processing and pending takes 6 days ). 2- processing and pending takes 6 days where we cant make any payment the software forbids us, so why not accept the payment if it will hurt us this much 6 days of each calendar of the month discover consumer should stay away from using the card else it will goes as increase payment on the credit score even after the payment in pending and processing status and yet blocked from making payment before that. so for example on XX/XX/XXXX the bank statement was done, but with purchase of XX/XX/XXXX new statement got generated with the new balance and as i said processing and pending and block payment till those done and yup aggressively reported new merchandise as increase balance and lower my score so why generate two statements where the difference between them two days, its like hay we discover peg you to use our credit card and yes we would generate account statement within days apart just to hurt you sir these XXXX discover did to me three times and yes please look at how many days till my payment shows its like i pay them, i use their card, and yet they like red XXXX reduce my score 4 points where im not lying other than such XXXX got repeated three times so please have them dispute what they did to me and tell now if i buy something they would hurt me claiming increase balance before they allow me to pay it what should i call this. so yes please request their account statements and notice the date on these statements they report any activity before or after the due date as increase balance on my credit score, Im asking them to also report my payments as decrease on the balance just not to play fair, its just as they report increase they suppose to report decrease ( the way they rush into reporting increase balance on my credit score i want them with the same speed report the decrease in the balance on my credit score ) gush you get to see that XXXX return saved me from such on going mess how about if i tell you i called discover and i told them due date is coming and the processing of the return is due and payment is not allowed and it will be printed as increase balance she said yup that will happen she said she cant see XXXX from her discover side, but from discover side of mine i saw XXXX where i had to give her exactly the amount to tell me yes she can see it. sir im not perfect but this act from discover was attack over and over while im behaving my best.discover should allow us to make payment before processing or pending is over save them as extra money on the account. summary within days discover issues two account balance statements in the same month and repeated that twice or three times, where the idea of that just to report increase balance on my credit score where sadly the payment in pending and processing and after due date.its like more than animal XXXX. please ask them to provide you the statements they issue me and the increase balance they reported and note the date of me posting payments and the harm they did to me while they can see the payment and purchase after the due date and yet they wont report the decrease of balance why they this ugly its like they issued multiple statements within days just to decrease my credit score while the payment in processing and pending and yet after payment processed they wouldnt report decrease balance so yes the way they report increase balance they suppose to report decrease balance and lets start of them disputing those. for them to be nice with me and others we should ask them to do that
09/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48103
Web
My mother made a payment on my account using an ACH authorization that was scheduled with a live agent on XXXX XX/XX/2022. The authorized ACH was in the amount of approximately XXXX dollars. XXXX, the live agent, scheduled the payment and provided my mother with the reference number XXXX payment posted and no payment reports as having been returned. However, on or around XXXX XX/XX/2022 I received notification that my account had been automatically closed due to non-receipt to keep the account open. The authorization took place on or around XXXX XX/XX/2022 and was returned with XXXX -- unable to locate. This is a distinct error code from XXXX -- NSF, XXXX -- closed account, or XXXX -- invalid account number. The account exists. The account is open. The first and last name on the account, as provided TO the representative was correct. The individual authorizing the transaction was the owner of the account. The financial services institution has no record of your firm having presented payment and has confirmed funds were available for debit.Therefore, I filed a billing error notice within the sixty ( 60 ) day period. XXXX XXXX, in Discover XXXX XXXX XXXX XXXX XXXX, allegedly conducted an investigation. In a follow-up conversation he conceded that when comparing the supplied account information disclosed with the live agent, he was ony able to match the last four ( 4 ) digits of the account being debited. That is, whomever, and through whatever investigatory process he recieved the transaction information from, it/they provided him only with the last four ( 4 ) digits of the account number to match against the phone-based ACH authorization with a live agent that occurred on XXXX XX/XX/2022. And, although he was given the full routing number for the financial services institution, he was not provided with the first name and last name as keyed into the ACH authorization by the live agent. This is troubling as the error could be on the part of Discover and its live agent. The investigator was not provided with that information. Under 15 U.S.C. 1693f ( d ), " Absence of error ; finding ; explanation, '' if after conducting a billing investigation a financial institution determines that an error did not occur, it must deliver or mail to the consumer an explanation of its findings within three ( 3 ) business days after the conclusion of its investigation. Moreover, upon request of the consumer, a financial services institution must promptly deliver or mail to the consumer reproductions of all documents which the financial institution relied on to conclude that such error did not occur. Finally, the financial institution must include notice of the right to request reproductions with the explanation of its findings. Discover has neither provided the reporoductions of any and all documents, nor responded to CFPB complaint XXXX. Discover has refused to explain what exactly took place. It seems likey they are doing such to escape any potential liability under 15 U.S. Code 1693h. Overall, Discover has failed to supply requested documentation that would eliminate the possibility of an error on their part under 15 U.S. Code 1693h ( a ) ( 2 ), specifically but not limited to computational error, incorrect funds transfer, or the omission from a periodic statement of the ACH transaction being applied to my account. Clearly, Discover has refused to provide reproductions of any and all documentation to show that a billing error on their part did not occur they provided zero ( 0 ) documentation, which itself constitutes both an error on their part, and an unfair, and unlawful, practice because they are knowingly and willfully refusing to supply the requested documentation to me. At the same time, they are continuing to furnish data to the CRAs that is a result of their own processing errors, claiming that the information is accurate and verifiable. Information is patently unverifiable if they are unwilling to provide that documentation to a consumer that is entitled to request AND receive that documentation under 15 U.S.C. 1693f ( d ). A more detailed explanation, as written to USDOJ is attached.
12/07/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • VA
  • 23834
Web
In XXXX I took a trip to XXXX XXXX XXXX and while traveling I lost my card and there was fraudulent activity that Discover is claiming is not fraud. The fraud was XXXX XXXX for {$1300.00} on XXXX and XXXX taxi charge for {$20.00} on XXXX. I lost my card sometime on the night of XX/XX/XXXX and last I remember using it is when I tried to make a payment to a taxi cab, but the charge would not go through. I do not know the exact time of this attempt, but it was fairly early in the evening. I called discover and they advised that they did not see anything on their end so it must be the merchants machine. I asked the cab driver and he said that there was nothing wrong with his machine and he has been driving all day. I used another card to make the payment and this was the last time I used the card. This is important because my card was fraudulently attempted at other taxi cabs that discover did not mention but used my early attempt to validate future attempts in their investigation. After I returned from my trip I could not locate my card so I filed the lost report with Discover. When I was getting ready to make a payment to my card is when I noticed the charge and reported it to discover. There is 2 weeks gap between when I reported the card lost and when I noticed the charge and thats another thing Discover is holding against me. Discover is claiming that since I did not report the charge when I filed the lost report they can not consider the charge as fraud. I told them they did not mention on their lost report that I could only file fraud claims at that time otherwise I would have reviewed my transactions. I know I should have reviewed them but I still reported within 2 weeks of filing lost report and within the same month as the charge. I further contested with Discover that there are no time frames listed for reporting fraud on their terms or on my statements. Discover is stating that they sent me an alert when the fraudulent charge was attempted, and I verified it. I advised them that I live in Virginia and was traveling is XXXX so all of my credit cards and banks were sending me alerts as I rarely travel this far away from home, so I was not paying attention to them. Just prior I had already gotten calls from XXXX XXXX that someone is using my card in XXXX and had to validate myself twice that day with them. Alert from discover was sent to my email and again it did not mention that if a charge is validated by accident then it can not be disputed as fraud. I have told discover right from the first call that I only attempted XXXX taxi cab once and it did not go through and it was early in the evening. If there are attempts after then its clearly not me. Infact discover called me after I filed the fraud claim to know when was the last time I remembered using my card. I told them the same exact as I mention before but discover used my early attempt to validate later charge from the same merchant. They never mentioned to me the time of the attempt until I brought it up later on and at that point they told me that later fraudulent XXXX taxi charge is 5 hours after XXXX XXXX charge. I told Discover that its clearly not by me then and I think your rep should have told me the time of it. I told Discover that XXXX XXXX XXXX has taxi cabs on literally every single street and who ever picked my card simply used it later on but discover reps would not listen to me. So based on the XXXX taxi charge that I have told them is not mine, the email alert and 2 weeks it took me to report the charge as fraud is what discover is using against me and have sent me a letter stating that charges are valid. I have spoken to their executive department and they would not ever let me talk. I would like my complaint to be published publicly so to other people can be warned about the practices of Discover. The reason it has taken me this long to file a CFBP complaint is because I work fulltime and I go to school fulltime plus discover took months in between my appeals between their departments. Please have discover conduct an actual investigation or make changes to their disclosures.
07/27/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • CA
  • 92110
Web
Two types of balances on my account ; " Purchases '' with XXXX XXXX and " Balance Transfer '' XXXX XXXX. ( statements attached ) On my XX/XX/XXXX statement Purchases {$2200.00} ... Balance Transfer {$2800.00} with Min Payment Due {$100.00} ... .My goal was to payoff the balance incurring interest so I made {$2400.00} payment on XX/XX/XXXX. The minimum payment amount is first applied to the XXXX XXXX balance any amount leftover is applied to the Purchase / Interest Incurring amount... Therefore ( IF it was working correctly ) : {$2400.00} - {$100.00} ( min due applied to Balance Transfer Balance ) = {$2200.00} remains to be applied to Purchase Balance of {$2200.00} resulting in {$0.00} Purchase Balance and {$93.00} left over to be applied back to the remaining Balance Transfer Balance... After this payment is properly applied the remaing balances should look like this : Purchases {$0.00} ( {$2200.00} - {$2200.00} = {$0.00} ) Balance Transfer {$2600.00} ( XXXX - {$100.00} - {$93.00} = {$2600.00} ) ******************************************************************************* HOWEVER this is what actually showed on my next/current statement dated XX/XX/XXXX : Purchases {$530.00} ( which also now incurs 27.99 % interest {$12.00} ) Blance Transfer {$2600.00} ******************************************************************************* When you do the math comparing before and after totals you can see how the {$2400.00} was incorrectly applied : Prior Purchase {$2200.00} - Current Purchase Balance {$530.00} = {$1600.00} was applied Prior Balance Transfer {$2800.00} - Current Balance Transfer Balance {$2600.00} = {$200.00} was applied ..... First problem : Add the two " applied '' amounts ( {$1600.00} + XXXX = {$1800.00} NOT {$2400.00} ... it's {$510.00} short??? Second problem : Because the Current Purchase Balance was not {$0.00} as it should be it generated interest ... My account is set to auto-pay the minimum due so if I wasn't paying attention to this error, the next minimum payment {$52.00} will only be applied to the 0 % interest " bucket '' and the interest " bucket '' will keep incuring interest on interest ... a vicious circle! Now, we could assume if I attempt to fix this problem again, I can make a {$100.00} payment, exceeding the {$52.00} min due, and {$52.00} would go to Balance Trransfer and {$48.00} would go towards the remaing interest BUT we can clearly see that did NOT happen when I paid {$2400.00} so why would I assume it would work correctly with {$100.00} payment??? ********************************************************************************* When customer with two types of balances sends in payments exceeding the minimum payment due the remaining amount is NOT being applied to the interest bearing amount as it should be. Instead it creates a vicious circle of interest upon interest which is not within the law / contractual agreement. On XX/XX/XXXX I spent almost XXXX hours on the phone with DISCOVER, explaining the math to rep, who transfered me to billing, who transfered me to her manager where my call was dropped, so back into the queue where I got another rep where I had to explaint the math AGAIN to get transferred to another supervisor, XXXX, who understood the issue, credited me the {$12.00} interest promissing that it cleared the " Purchase/Interest '' bucket and no more interest will be incurred ... I will see on my next statement XX/XX/XXXX ... I went a step further and made {$100.00} payment today ; {$52.00} min + {$48.00} to cover more than enough IF there is interest on next statement XX/XX/XXXX... assumming the system works correctly next month. I'm filing this complaint today because my large {$2400.00} payment was applied very incorrectly. Their system is obviously not appling payments correctly when there are two types of balances and the system needs to be fixed ... .If I had not been diligent I would fall into the " interest upon interest '' scenerio. Many customers do NOT understand how this should work and easily will miss this mistake which LARGELY FINANCIALLY FAVORS the business not the consumer.
05/17/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 90603
Web
I purchased a XXXX XXXX for {$1100.00}, from XXXX on XX/XX/XXXX. I didn't use it even once since purchase, so after a while I decided to sell it, and listed this bag on XXXX ( a websit that people could buy or sell their luxury items ) on XX/XX/XXXX. On XX/XX/XXXX I was notified by XXXX that this bag was counterfeit, and my account has been suspended because I tried to sell fake bag. I was shocked, I never even doubted this bag was fake. So I sent the detailed pictures of this bag to a professional online authentication website for authentication. On XX/XX/XXXX, I got the result from authenticator that this bag is a conterfeit for sure.Since this bag passed XXXXXXXX XXXX return window. I contacted XXXX, but was told I need to contact Discover because I used the credit card to pay this bag. So I contacted Discover and opened a dispute, got my temporary credit back, and submitted the order confirmation, the notification from XXXX, and authentication letter from the authenticate website " Real Authentication '', with all available pictures. On XX/XX/XXXX, I was informed by Discover, they made decision on merchant 's favor and reversed my temporary credit. I called Discover asking for the reason. It turned out the only reason is there are a few words discrepancy between the names of the bag on XXXX order and Authentication letter, even if they could XXXX the two names and got the same style of bag, or see the pictures on both of my order and authentication letter are indicating the same bag... I called several times afterwards trying to get this case re-opened, but was told to wait for updates. On XX/XX/XXXX, since there was no updates at all, I requested to speak to their manager, name is XXXX. At the beginning, he said I need to solve this with XXXX or XXXX, after I told him they asked me to contact Discover since I paid with my Discover credit card, he turned to say its been a while, and I passed the window to open dispute. I told him the dispute was opened without any issue but the result is based on their unprofessional ways of researching. Finally, he told me as long as I could provide the authentication letter with the exactly same name of the item as on my XXXX order, they would reconsider my dispute internally. I was also told it would take up to 2 business days to review once the document was submitted. On XX/XX/XXXX, I managed to get a new authentication letter and submitted it to Discover, I also called the right after to confirm they did receive the new document and would review it in a timely manner. On XX/XX/XXXX, I called Discover because I had not heard back from them since I submitted the new authentication letter. I was told the document had not been reviewed as promised because they needed to be escalated to the managing team for its high amount, and there was no way to estimate how long it would take. I called on XX/XX/XXXX, was told even if the new document is with the same name, the document should be provided by lawful bureau or federal Trade Commission. It was totally different from what I was told at the beginning. Discover never mentioned about any concerns or requirements regarding where I should get the documents. I was informed that the name discrepancy is the only reason for their conclusion. Now they started to change the story. After I requested to speak to XXXX or any other supervisors available, they put me on hold for more than 40 minutes and told me there was no one available to take my call. As a loyal customer with high credit score, I was having good experience with Discover before. During this a few months of dealing with Discover, I did everything I could and everything they asked to support my dispute, hoping Discover would solve this matter efficiently and reasonably. But they kept on holding it for different excuses, and did not do whatever they promised. I have spent too much time on calling Discover, waiting on the line, being transferring, and sometimes even being hung up suddenly. I am really tired and frustrated for their attitude. They really disappointed me this time.
12/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30680
Web
To whom it may concern ; This statement is regarding internal reference number : XXXX The serial number on the phone used to make these purchases does not belong to my phone and I can provide proof!! I received a letter, on XX/XX/XXXX, from your institution stating that you were refusing to reinvestigate because I had reviewed activity in my account on XX/XX/XXXX and XX/XX/XXXX and didnt file the claim on XX/XX/XXXX ; this is a BLATANT LIE. I have documented proof that my account was locked out of my account on XX/XX/XXXX AFTER I called in reporting that my card was missing and your customer service agents said it was standard for my account to be locked while you were investigating my claim. I then received multiple emails telling me my payment was past due! I called again on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX all stating that I had previously called on XX/XX/XXXX notifying your institution that my card WAS MISSING AND NO ONE HAD LOCKED MY CARD. I was told each one of those subsequent times that the previous agent didnt file the claim correctly, but that they would most definitely file it correctly now. I also have proof that I havent been able to get into my account from XX/XX/XXXX - XX/XX/XXXX!! Discover is lying saying Im out of timely manner WHEN I AM NOT! Discover is saying I made out of state purchases WHEN I DID NOT AND HAVE WORK TIMESTAMPS TO VERIFY! Discover Id saying my phone verified charges WHEN I DID NOT AND IT IS NOT EVEN THE TYPE OF PHONE I OWN! I have documented proof that the phone I own DOES NOT match the serial number your claiming was used to access my online account on XX/XX/XXXX and XX/XX/XXXX. I was locked out on XX/XX/XXXX & XX/XX/XXXX, I COULD NOT GET IN MY ACCOUNT TO VERIFY ANYTHING! The Discover Bank customer handbook CLEARLY states that ; There are two important time limits to be aware of when it comes to Discover chargebacks : the first is the time limit for filing a chargeback, and the second is the time limit for responding to a chargeback claim or ticket retrieval request. According to Discover, cardholders officially have 120 days from the date of the transaction to initiate a chargeback, although the network may accept claims filed outside of that window on a case-by-case basis. If a dispute is filed with Discover and a ticket retrieval request is sent, the merchant has just five calendar days to respond with the requested information. Merchants will have an additional 20 days to provide supporting documentation for any subsequent requests or appeals. Ive called into customer protection services TWICE! I was told by the second agent that she could answer ANY questions I had. I asked her what the logins on XX/XX/XXXX & XX/XX/XXXX proved besides someone other than myself logged into my account? She said I cant answer that. I asked why you all are making me send in countless absurd documents when you all cant send me any kind of documentation proving what youre claiming, she said what difference would it make if I told you or sent it to you? It makes A LOT of difference!! You all can tell me ANYTHING TO PAD YOUR NARRATIVE. I want cold hard proof of the evidence youre using because Discover has told me nothing but lies from the very beginning!! My Discover card was used to make unauthorized purchases from XXXX XX/XX/XXXX. The law states that : " Under a 1978 Federal rule called Regulation E, banks are required to make clients whole if their money is stolen from a consumer account through an electronic payment initiated by another person. Since Reg E was written well before payment apps existed, the Consumer Financial Protection Bureau has issued guidelines saying that the law covers all person-to-person online payments. The bureau clarified that all unauthorized online money transfers- meaning any payment initiated by someone other than the customer and done without the customer 's permission- were the bank 's liability. But despite the updated guidance, banks in many cases are refusing to refund customers who claim - often with supporting documentation. Sincerely, XXXX XXXX
12/11/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • TX
  • 75104
Web
I'm writing to address a matter of significant concern regarding recent adverse actions taken upon my credit accounts, I believe that there might have been an misunderstanding and I kindly request your attention to this issue for proper investigation and resolution. On XX/XX/2023 I submitted an application to Discover which served as a valuable security purchased by the bank, as they are the borrowers as defined by Congress in 12 U.S. Code 1431. Despite this understanding, Discover has unjustly refused to grant me access to the credit line I requested, thereby impending on financial opportunities and violating regulations governing fair lending practices. Consumer credit transactions are initiated using credit cards in accordance with 15 U.S.Code 1602 ( l ) a credit card is any card, plate, coupon book, or other device used to obtain money, property, labor or services on credit. I am the holder in due course, as I presented the credit card to initiate the transaction. In pursuance to 15 U.S.Code 1602 ( n ) and its not possible for me to be denied for something I initiated. I am granting your corporation the right to extend credit as defined within 15 U.S.Code 1602 ( f ). I frequently in connection with loans as outlined in 15 U.S.Code 1602 ( g ) as the original creditor. I understand my rights and reporting to the consumer reporting agencies is voluntary as per the CFPB this is a private transaction. Nowhere does the term adverse action in the FCRA mention the denial of credit to a natural person and I expressly granted Discover permission to extend to me my right to credit because I am credit worthy and in good faith. The right to extend credit belongs to me and I'm the one who extends credit to borrowers pursuant to 15 U.S.Code 1602 ( g ). According to 12 U.S.Code 1431 the power and duties of banks is to borrow and pay interest. This is a consumer credit transaction and this is an unfavorable situation to me as a consumer. Furthermore, my credit was used and I received no benefit from the use of my credit. As inquiry appeared on my consumer report indicating a transaction where someone profited from my credit and I gained nothing. In fact fact this caused me mental and financial damage as defined by 15 U.S.Code 1602 ( p ) term unauthorized use as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from wwhich the cardholder receives no benefit. So I have been discriminated against as there are no federal laws allowing a credit score to extend credit. In good faith I exercise my rights and as a natural person I face discrimination and pursuant to 15 U.S.Code 1691 it shall be unlawful for any creditor to discriminate against any applicant with the respect to any aspect of a credit transaction. The Federal Reserve Act provides for the utilization of securities as collateral for various financial transactions. I believe Discover has utilized my security without my consent or proper compensation, thereby infringing upon my rights as a securities holder, thus commiting fraud pursuant to 18 U.S.Code 1348. The concept of equity of account ensures that all parties involved in a financial transaction are treated fairly and interest of securities holders, such as myself are protected. I believe that Discover has denied my rights to equity of account by not providing me with the appropriate benefits and compensation associated with the utilization of my collateral security. As a financial institution and national bank Discover has legal obligations to comply with the the Federal Reserve Act and other applicable laws & regulations. This includes ensuring that the rights of security holders are respected and that fair and transparent financial practices are followed. It is crucial to ensure that Discover upholds its fiduciary responsibilities, complies with fair lending regulations refrains from engaging in fraudulent activities and provides me with the credit access I am entitled to based on the security l provided.
04/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 38109
Web
A late payment is being reported for the month of XXXX from Discover, Discover provides an additional grace period of 30 days if you're 30 days late from your due date which means you will have 60 days to pay and if not it will then report 30 days as a late payment. I have automatic bill pay of smaller payments being withdrawn every week with my bank ( XXXX XXXX XXXX ) with no problem. In addition, I still pay my minimum due with the same bank which usually is a larger payment due to the balanced that's owed. Representatives call even when you're within the 60 day grace period, to set up payments with them over the phone. The representative stated I could set up the payment to be taken out with her and she would waived {$40.00} off. I set up the payment with her for the day of my direct deposit. I also, made her aware during that time to update may mailing address because previously the rep I spoke with stated it was going to be updated and it wasnt updated, finding out til this address wasn't updated. The day of my deposit, I didn't have to contact Discover because it was discussed the payment would be processed the day of XX/XX/XXXX. During that same day and after, I still was within the grace period. No one called to say the payment was reversed because the representative processed my information incorrectly. Now during this pandemic, I went to apply for a line of credit for help and due to the late payment they reported that I wasn't aware of, I was denied help. I was livid and still to this day Iam. I contacted Discover spoke with multiple representatives, from regular account managers, supervisors, the fico team and everyone is confused saying that the reason was reversed because it was inputted incorrectly and saying also the error stated, " Unknown Reason '' for rejection, After them telling me this over the phone they didn't remove the late payment due to even though it wasn't a fault of my own. Per the FCRA Law this late payment suppose to be validated, as a consumer that isnt and wasnt my fault due to an error on the representatives end. They would not remove the late payment, even though per recorded conversation they stated I set up my payment within time and the rep processed it incorrectly. No one called me to say anything. I didn't receive any help, I emailed the ceo and the next day a executive rep contacted me by the name of XXXX XXXX. After waiting 4 days for her to get back in contact with me she stated she coud n't do anything, even with them agreeing it wasn't my fault. Thats absurd! A person telling you they see the error and knowing it isnt the consumer fault but I have to pay for the error due to the representative. I even have a bank statement showing during that time and a week after DISCOVER did not even attempt to take the payment out! I made XXXX aware of that, she told me send that in even though she knew the error wasn't my fault. I had to disclose my personal bank statement to her when she knew the reason the payment didn't go through wasnt because of me, nor was it due to INSUFFICIENT FUND. She called and left a voice mail and I couldn't get in touch with her when I called her back so I left a message. She called days later and I missed her called which was Friday XXXX. That following Monday morning XX/XX/2020. I emailed her the copy of my bank statement even though she didn't need that private information from me when she knew what happened I submitted it anyway. On the statement it shows my available funds from when I told Discover to take it out and it shows days after they didn't even try to take it out, nor did they call me during that time like they were before. Since sending her that information, she has not gotten back in contact with me as if this has been neglected and not a serious matter. This is my livelihood and this should be taken seriously, my address during that time was neglected in addition the representative didn't process my payment correctly. Incompetent service is being utilized at Discover and unlawfully making a consumer pay for their remiss and mishandling.
05/31/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 606XX
Web
Complaint against Discover and XXXX XXXX XXXX, XXXX. Dear CFPB, Please find my Complaint against Discover and XXXX XXXX XXXX, XXXX. for violation of CFPB rules ; FDCPA, FCRA, RICO, Hobbs Act and other crimes. In XX/XX/2019 I replied to an offer to purchase a credit card loan with Discover. I sent my application to the address provided in the application and was confident that I received a credit card loan, account ending XXXX. I later learned that my transaction was not a loan but a payment to me for performing financial services, to wit - issue a security called Promissory Note which was used by undisclosed to me XXXX Bank in their speculative securitization scheme which would not exist without my participation as an Issuer and an Investor in this scheme. I also learned that that the process of what XXXX XXXX banks call Securitization is actually a securities scheme that extinguishes the debt account entirely. It is a business scheme that bars the counterparty customer like myself from any profit or revenue and requires them to accept, without knowledge or consent, concealed risks and losses that often do not appear until years later. XXXX XXXX convinced customers, including myself, that the substance of securitization meant the creation of a loan transaction and then the sale of that loan transaction and the financial expectancy of payment to multiple investors. But the securities brokerage firms never intended any of that. They had to be convincing or else the plan wouldnt work. The real plan called for selling the Loan over and over again by giving attributes of the transaction different names. So in the end, if they paid a commission to me {$2000.00} to me masqueraded as credit card loan, they would sell it for at least {$250000.00}. It is by suppressing the truth about the transactions that the XXXX XXXX investment banks and securities brokers make all their money. The payment to me under such circumstances was not a loan. It was partial compensation for unknowingly providing valuable financial services, without my knowledge and consent ; and accepting concealed risks and losses. To add insult to injury, I was required to pay back the partial compensation payment I received only because I was fraudulently induced to think I was entering into a loan transaction. But at the end of the day, there is no lender, no creditor, and no loan account. I got cheated out of compensation that I was entitled to receive but could not bargain for because I knew nothing about the true nature of the transaction. Neither the broker nor any investor maintains a loan account receivable. I many times asked Discover if my transaction was a subject to securitization ; demanded to validate this Debt under FDCPA ; and provide me a copy of my signed promise to pay Discover, as recorded on Discovers general lendger ( required by GAAP ) and a copy of this ledger, along with the name of the accountant or bookkeeper who is responsible for this ledger. Discover never responded to my demands for disclosures and sent me a robo-signed letter from someones XXXX company employee XXXX XXXX. ( likely a fictitious name ) who told me that Discover sent me Form 1099C ( which I never received from them ) since I purportedly owe Discover {$1600.00}, which is a lie. Only legal owner of alleged debt can file any documents with IRS claiming unpaid debt. Discover never provided ANY proof that they are owners of my alleged debt and continue to stonewall all my questions about existence and ownership of my alleged debt supported by documents. Moreover, someone acting under name of Discover hired XXXX XXXX XXXX XXXX. lawyers to file a frivolous collection case ( which is currently sitting in the XXXX XXXX XXXX ) while neither Discover or XXXX XXXX XXXX never validated this alleged debt to me. All that Discover and XXXX & XXXX sent to me are billing statements printed by some undisclosed to me XXXX company from someone's data center. Billing statements are not evidence of anyone 's debt, specially when they are coming from undisclosed sources.
08/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 331XX
Web
Dear Sir or Madam, With this message, please receive my most cordial of salutations, together with the best of wishes for you, your staff, and all your loved ones, during these challenging times. Today, I seek assistance from your agency, as exhaustive efforts have been made on my part in order to resolve this issue with both of the financial institutions, as well as the three credit reporting agencies - XXXX, XXXX, and XXXX. Last year, I attempted to apply for two secured credit cards. One was from XXXX XXXX XXXX, XXXX. and the other from Discover Financial. Given that both cards are secured offerings, I did not consider that my applications would actually generate inquiries. This was in part, due to the fact that I was on a mobile device. Nonetheless, both applications generated a hard pull to my reports. It appears that due to having no credit history, both triggered the need for additional steps to be taken. Where at one time I had stellar credit, I ended up having it ruined in the real estate crash of XXXX. For me, it was a source of embarrassment and I lost the motivation to try to plead my case with the bank. The fact that the credit report was pulled was a matter that did raise red flags, and I attempted to have these removed. More than anything else, it is the way that these inquiries are handled, for dispute/resolution purposes, with the credit reporting agencies. Normally, there is an option on their portal where one can simply dispute it there. In the case of these secured cards, this option is not available. Instead, one is required to take the additional step of reaching out directly to the bank and/or mail the separate agencies. Where in theory this seems perfectly fine, it does create an additional challenge that is not present in a traditional credit card product. The purpose that is both primary and universal of government is to protect the public. Credit affects one 's ability to obtain additional credit, finance endeavors, and contribute to the economy. Regulations are shaped, in a format of cause and effect and reflect the prevailing practices of the private sector. If this extra step were usual and customary for normal products and the challenges of removing these inquiries were commonplace, the public would speak and the respective government agencies would create a framework of laws that would create further protection for the public. Even in cases where the lender is not entirely to blame, and the consumer carries some degree of responsibility, that gray area is often tipped in favor of consumer protection. Coming from the actual consumer, this may be seen as a desire to have one 's way. Prior to arriving at such a position, as a seasoned traveler, I invite you to look up the Supreme Court case of United States v. Martinez-Fuerte. Here, the Court dilutes how strictly constitutional rights are to be applied at the border and within 100 air miles thereof, creating an advantage for the government. For further clarity please bear in mind that more often than not it is the other way around and may be argued, is expected to be. If the banks and agencies held consumers this strictly to their policies, legislation would reflect this. That is to say that they too benefit from this by avoiding further regulations and benefiting from this, in specific cases which we do not hear of. In the attached screenshot, what you will find are both inquiries and absent from them are the typical link to be able to directly dispute them on the portal. This holds true for all three agencies, and for the purposes of brevity, I won't burden you with all three. However, I do ask that you reach out to : 1. All three reporting agencies. 2. Both banks. The policies need to be reviewed with them and this needs to be corrected. Should you have any questions, please do not hesitate to contact me. The best way to reach me is via e-mail at : XXXX You may also write at : XXXX XXXX XXXX XXXX XXXX, Florida XXXX Thank you for your assistance in this matter. Sincerely, XXXX XXXX SSN XXXX -XX/XX/XXXX XXXX
01/11/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • NY
  • 14211
Web
On XXXX XXXX I applied for a discover it sky miles credit card received an email about Completing my application so I called the number. In which at that point I was asked some questions to identify me ( I passed ) then I was told to verify the address provided on the application by sending in a pay stub to a secure link from an email they sent I did that and then called the number back at which time I was notified I was approved for a {$6000.00} Discover It sky miles card. I received my card on XXXX/XXXX/XXXX. I purchased airline tickets for two friends on XXXX/XXXX/XXXX paid my phone bill, purchased some XXXX gifts. Then on XXXX/XXXX/XXXX when I was trying to use my card I received an alert about suspicious activity. Again I called in verified my identity asked me about some transactions I verified those asked me about adding authorized users I said I did. Lifted the freeze the guy and I even joked about it be I said I guess Im shopping to much and his response was well its XXXX lol so I proceed to check my discover app and I get another notification to call ( I hadnt even charged anything ) so Im notified that a manager decided to put the security lock back on. This is when all XXXX breaks loose. I had to send a bank statement with my address on it in which I went to the bank and had it changed because I reside at multiple addresses ( thats not uncommon ) they are all in the same state due to the store Im a XXXX at has stores throughout various malls in NYS vacinity. Nonetheless I had one of my bank statements changed. Sent that in multiple times and was told a bunch of excuses they didnt receive it or it wasnt clear. Then I received a random call at the store I work at from an exec while in the middle of working with a client of mine answered some questions and told her Id call her back I called her back on XXXX/XXXX/XXXX she asked me questions about why I put authorized users on my account like its a problem with them when discover offers the option of placing authorized users on your account, why I had purchased plane tickets for them, why I chose to rent a room from them with the money I made. I wanted to curse her rude condescending tone XXXX out but I answered telling her I reside at multiple addresses in NYS in which some areas I pay a pretty penny when Im in that particular town I rent a room. Im speaking to a person in the executive office at discover who has me on speaker phone acting rude from the minute we got on the phone.She then told me shes sending out an form to sign to verify all of our identities. So I received said form signed it returned it on Monday XXXX/XXXX/XXXX along with my authorized users the form we signed was an XXXX XXXX form to verify our SSN. All the while Im like what the XXXX is going on Ive proved that Im me. Well they even played games with that I called Tuesday to see if they received it I was told no in which I had to re fax every document I had sent. Then called back and a rep told me they received it and it was submitted to the XXXX department. I called the next day to check and was told it would take a couple of days to hear back. Today XXXX/XXXX/XXXX I received a voicemail from the executive office in which I called back and was notified that they were revoking my account be the documents sent in were not clear? I went off I have faxed my SSN card, license, bank statement and I have proof that everything is clear. Im being unjustly targeted and discriminated against because I know for sure the woman in the executive office jealous tone and unprofessional manor that I spoke with on XXXX didnt want me to have the limit I was granted. Im not new to credit I have an XXXX, XXXX Line of credit, XXXX XXXX, Loan through my credit union. I have been accused of not being me when Ive identified myself and still get harassed and given the run around. To only be told my credit will now be ruined by a mark that says closed by credit grantor on my credit report. We are NOT criminals but have been treated as such! I will not stand for this no one deserves this treatment!
02/23/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • LA
  • 70816
Web
Please refer to case XXXX and case XXXX for the whole process. This is the 3rd complaint regarding one unsolved problem. In summary, I applied for personal loan from Discover, loan ending XXXX on XX/XX/2022 for XXXX XXXX Called on XX/XX/XXXX, and was told the account number was incorrect, but the representative promised the loan would not be processed and check would not go through because of unmatched account holder 's name and account number. Waited until XX/XX/XXXX to call back about the loan status and was told the check was cashed and money went to someone else account. Was asked to open a recovery claim with XXXX XXXX ( my bank where the fund should go to ). Based on Discover response, due to their incompetent practice, the claim had not started until XX/XX/XXXX. On XX/XX/2022, I received an email from XXXX XXXXXXXX, my bank, stating that the fund had been credited back to XXXX XXXX, a third party company Discover used to issue check for the fund. Then waited and waited forever without hearing anything from Discover until I filed the 2nd complaint. Then on XX/XX/XXXX, one representative called and asked to do conference call with XXXX XXXX because based on Discover research, they had not received money back yet, I was not surprised because of how unprofessional and messy they were. Then conference call with XXXX XXXXXXXX took place on XX/XX/XXXX, XXXX XXXX confirmed they had refunded the money and would provide the trace ID, and they did on XX/XX/XXXX I called Discover on XX/XX/XXXX and provided Trace ID for the refunded fund, I was asked to provide rounting number and account number and was promised that money would be disbursed back to my bank account in the next several days. Waited and called back on XX/XX/XXXX to check for the status and was promised to have money latest on XX/XX/XXXX. Then again waited until XX/XX/XXXX and nothing, then had to call back on XX/XX/XXXX and was told to wait until XX/XX/XXXX because money was on the way to ME ( no clear indication whether it would go to my bank account or physical home address ). Then I waited waited waited until XX/XX/XXXX, nothing. Decided to call back XX/XX/XXXX and was told money has still not being recovered. Oh, so why told me twice that money was on the way to me? So basically, Discover doesn't know what they're doing. When I was asked to provide proof of refunded money, I did. But what they did to help me for this matter? Nothing, every single time I called, Discover lied and lied, and each different representative provided me different answer. How so? Also, the Chief executive phone number on the response letter is useless, never able to reach that person, so why bother to provide customer your number when you know you will avoid their call? So my question is if I do not keep pressing and pressing, would Discover just let this problem slide and take my payment every single month because they've been showing no effort to actually solve it. They said because the check had been cashed so I had to pay, fine, now XXXX XXXX returned the money, trace ID was also provided, what will be Discover next excuse? Their system is so messed up and broken that they're not able to trace the refunded money that was sent back to them. Even their representatives admitted that they did not know what the " back end '' department was doing, and the communication with the front end were disconnected. I don't care how you operate your company Discover, solve this issue, that is your obligation. This will be my last complaint, and Discover, if you still do not want to resolve this issue, I will take legal action against your unprofessional and unethical practice because now I have the proof that money was actually sent back to you. I will work with XXXX XXXX to officially prove it if necessary, and I do not owe you anything but you keep taking my payment for every single month. Plus, it is reaching the 90-day timeframe for the recovery claim you opened since XX/XX/XXXX XXXX So no more excuses this time, either solve the problem or getting sued.
09/17/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • WA
  • 98502
Web
On XX/XX/2018, I was victim of a screen pop-up computer scam by a company claiming to be legitimate XXXX representatives, urged to call their number or whole computer and files would be deleted, etc. I fell for the scam, called them, and ultimately paid this bogus company " XXXX XXXX '' {$340.00} to 'fix ' the problem. I put that charge on my Discover Card. Next day, realizing I had indeed been scammed, I called Discover, cancelled the card used, and told them I would dispute any charge that came thru my account from this company. I got another card and new account number. The charge finally did show up after a few days, and I followed instructions from Billing Assistance to document the fraudulent scam and the actions I took to clear my computer, taking it to XXXX XXXX and paying for The XXXX XXXX to clean it and remove all XXXX XXXX-planted spyware and viruses. I sent all documentation from XXXX XXXX and a 3 page letter outlining what had happened during the phone call with XXXX XXXX to Billing Assistance via XXXX overnight mail on XX/XX/XXXX. It arrived at XXXX. XXXX XXXX in XXXX XXXX XXXX UT at XXXX XXXX on XXXX XXXX. A week later, however, I got an email saying my information had not arrived and if I didn't file it, my dispute would continue without it. I called immediately and spoke with a customer rep who told me she had no way of knowing if the information had arrived but that it took 10 days from the time it did arrive to get to the fraud squad. I accepted that. Another week later, a second email arrived saying my info had not arrived, etc. I called again, and was again told there was 1 ) no one to whom I could speak because it wasn't their department, 2 ) documentation took 10 days to reach the fraud department ( by now it had been 11 days since the info I mailed had arrived ) and 3 ) there was nothing further they could tell me. I faxed my documentation this time on XX/XX/2018. Still, there was no way to ascertain if it arrived. A customer service agent again said it would take 10 days for faxed information to get to the appropriate department in the dispute and there was no one who could help me. Then I got two emails sent within hours of each other saying that Discover had 'reviewed the information provided or that it was insufficient ' and they could not continue the dispute, finding in favor of the charge which was posted by a cover company, XXXX XXXX XXXX XXXX a Discover merchant company. I was invited to send in further documentation I have 'not yet shared with them ' and have 15 days from XX/XX/XXXX in which to do so. They consider the transaction valid and are notifying credit bureaus of my request to continue the dispute. I have no idea what documents of mine they used and why they were insufficient! XXXX XXXX records and a three page letter with names and techniques used seem not to have sufficed! Now Discover considers this dispute resolved! I will not pay these two illicit companies ... XXXX XXXX and its umbrella front, XXXX XXXX XXXX, with my Discover account, which is in excellent standing in every other way. I will continue to submit information to Discover, this time using the Scam description pages from the FTC website that word for word describe the scam perpetrated upon me, putting in my facts. I have filed a complaint against XXXX XXXX and its complicit company XXXX XXXX XXXX with the FTC. I am filing a complaint against Discover because it is not transparent in its communications with the customer nor internally. Someone should be able to tell a customer if and when documents have arrived! Someone should know, and 10 days to get it to the right fraud team seems excessive and also specious. Also, the emails claimed to have 'already reviewed my information ' while not explaining why it was insufficient. Nobody was available to answer my calls forwarded to the right departments by customer service agents. Discover has handled this shabbily and I am very upset with the outcome of my claim since it so clearly is a case of fraud by one of their merchants!
01/27/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MN
  • XXXXX
Web Older American
Cardholder : ME Credit Card : DISCOVER CARD Merchant : XXXX XXXX Seller : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Disputed Amount : XXXX XXXXus XX/XX/XXXX Cardholder made on line, paid using Discover Card, reservations at XXXX XXXX XXXX XXXX XXXX in XXXX . The XX/XX/XXXX charge {$320.00}, the XX/XX/XXXX charge {$290.00} with emailed notice of payment for each received from XXXX XXXX. The Reservation was emailed from seller for each.The agreement does have a no fee cancellation policy with 14 day notice. The XXXX government in XX/XX/XXXX gave world wide notice because of the COVID-19 no air planes or passengers may land or enter XXXX in XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, on line, cardholder submitted cancellation notices to the seller, non responsive, cardholder did, on line, sent another notice to seller, non responsive. cardholder did on line, connect to sellers web site chat line, receiving this notice : " Thanks for the message. Our team is offline We will contact you back as soon as we can ". non responsive. Cardholder did call explaining to XXXX XXXX about the seller non responsive problem, was told the seller would have to start the credits and to contact seller. Cardholder did again on line submit cancellation notice non responsive. Cardholder did, on line, send another cancellation notice to seller non responsive. Cardholder did explain to Discover Card then opening disputes on the {$320.00} and the {$290.00} card charges, one for each amount on XX/XX/XXXX. The dispute for {$290.00} Discover Card resolved in cardholder favor with funds being returned. The {$320.00} dispute XXXX XXXX asked for credit voucher from seller, non responsive. XXXX XXXX then stated to Discover Card : " Please review with cardholder and provide an up dated response if they are still in disputing this transaction. Please provide signed cardholder letter stating the nature of the dispute or a completed fast track form to remedy chargeback. '' Discover Card failed to communicate with cardholder the XXXX XXXX request and did not file a completed fast track form to remedy chargeback. On XX/XX/XXXX the dispute of {$320.00} Discover Card resolved in seller favor as valid instructing cardholder to pay the {$320.00}. Discover stating to cardholder, knowing seller has always been completely non responsive regarding cardholder cancellations, " we encourage you to work with the merchant directly. '' Discover Card stated to cardholder, not having communicating with seller about the {$320.00} dispute either. XX/XX/XXXX cardholder did review with XXXX XXXX, the merchant, this dispute who stated they needed the letter asked for and would work on the chargeback. Cardholder asked if he could respond sending the letter to them. XXXX XXXX stated they can only deal with the originator of the dispute, Discover Card. XX/XX/XXXX, cardholder did send the requested XXXX XXXX information to Discover Card. XX/XX/XXXX, talked with Discover Card, they did receive the XX/XX/XXXX letter and will not do anything with it, they will not send on to XXXX XXXX in an attempt to resolve this dispute in favor of the cardholder ; they will not fill out the completed fast track form to remedy chargeback in favor of the cardholder. Then XXXX from Discover Card hung up on cardholder. Discover Card lack of follow through on XXXX XXXX requested cardholder letter which Discover Card had in hand, plus not filling out fast track form resulted in not honoring cardholder in this dispute. I was lead to believe by XXXX XXXX they were holding sellers funds, {$320.00}, ready to receive cardholder letter and form for the chargeback from Discover Card... they were never sent... and they will never be sent according to Discover Card Customer Service. Over the last 4 months cardholder has, on line, emailed 11 requests to seller regarding refund of the {$320.00} More information is available if needed. Attached PDF cardholder request for cancellation Attached PDF cardholder XX/XX/XXXX letter reiterating disputed {$320.00}
07/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95747
Web
I was in an XXXX relationship and had my life threatened and that of my mother if I reported his financial abuse ( amongst other things ) of my accounts. Once I was able to break free of the individual, whom has countless public domestic XXXX arrest records with me, I filed a police report and contacted all of the organizations that he stole credit cards to, and opened accounts in my name without my authorization and/or knowledge. I would randomly get pieces of mail prior to his ability to pick them out before me about accounts or credit lines I " applied '' for. Discover Financial Services being the only one left that refuses to stop reporting to XXXX I have disputed with the credit bureaus and XXXX keeps deleting and replacing. Account status Charge off {$5300.00} written off. {$5300.00} Past Due. XX/XX/XXXX : Deleted. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all state " This item was removed from your credit report '' XX/XX/XXXX " updated '' in other words put back, again. XX/XX/XXXX " unavailable online '' Date generated : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX " This item was removed from your credit report '' NO DATE " Remains '' XX/XX/XXXX " remains ''. XX/XX/XXXX " Remains. They have continuously removed and added this account to my file for years at this point. I have reported the account with the FTC, Given the thief 's information, filed police report, and disputed with Discover and the credit bureaus, I have hired credit repair companies to dispute on my behalf. They refuse to remove this account which was obtained under the theft of my identity. At least they refuse to remove without putting it back two weeks later. The department of education had me rehabilitate my loans under the impression as long as I completed the rehabilitation process successfully ALL NEGATIVE REMARKS WOULD BE REMOVED. However, they simply paid off the original servicer in this case " XXXX '' and opened with a new servicer in my case " XXXX XXXX '' and made a note on my XXXX that the loans had been transferred, but not to whom .... So they didn't even imply the new loans with XXXX was a transfer, and that those loans were deferred. The kept all the late payments of " 120 days past due or more '' on all 14 accounts which remain on my report even after PAYING ALL DEBT IN FULL. No, not the transfer, I paid all my student loans off with money inherited by the death of my mother. I completed the rehabilitation, even went a step further and paid them off, and still they report " 180 days past due '' reported : XX/XX/XXXX {$3000.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$1700.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$3500.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$1000.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$4300.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$5000.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$1700.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$640.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$1800.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$4500.00} " current payment status XXXX days late '' " Transferred '' XXXX claims they have nothing to do with the Department of Education and the agreement made between us. Even thought on my credit report it literally reads " DEPT OF ED / XXXX. They claim they don't have to remove anything nor are they going to. I honestly wouldn't have rehabilitated, I would have left it alone. I was under the impression doing the right thing, got returned by getting the right thing done back. I was literally swindled into repayment under terms and agreements, I kept my end of the bargain, however the department of education did not keep theirs.
09/24/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • XXXXX
Web Servicemember
I spoke with a Discover representative on XX/XX/2018 to notify them to cancel a payment arrangement of {$180.00} to be debited on XX/XX/18. I advised the representative I would not be able to make the payment and repeatedly stated i did not know when I could male the payment. I asked several time to confirm the payment arrangement had been cancelled. The representative finally confirmed the payment arrangement had been cancelled. The representative kept trying to persuade me to agree to a future payment arrangement, I declined, I ended the conversation without confirming and or agreeing to future payment arrangements. I then logged into the Discover mobile app and removed my bank account routing and account number to avoid any attempts at submitting a debit from my bank account. On XX/XX/18 I received a text message from Discover thanking me for my payment of {$180.00} and I immediately called Discover Card to discuss the payment I had not committed to. I spoke with representative who state that a confirmed payment arrangement was noted to my Discover account. I requested to speak with a supervisor and was transferred to another representative. I explained the situation and requested the supervisor review the recorded conversation on XX/XX/18 to confirm I had not made a payment arrangerment but called in to cancel a payment arrangement. The supervisor stated she would review the recording and call me back within 24-48 hours. She then asked over and over again for payment arrangements and I refused stating I did not have any funds and understood it would be reported to the credit bureua. The representative asked why I have not been paying on my account and I replied I am a Hurricane Harvey victim and have been trying for the last year to keep up all bills and take care of my family but now it has become too much to handle. She badgered me for arrangements over and over again and I refused and ended the call. I then called my bank to advising the of the fraudulent debit and was told it had not posted on my account and would have to wait until it was posted to dispute the charge. On XX/XX/18 the charge posted to my bank account and the item was returned for insufficient funds. On XX/XX/18 I called Discover and spoke with a representative about the charge and explained I was returning a phone about a disputed payment arrangement and a return check fee of {$29.00} on my bank account. The representative stated the return check fee would be credited to my account and I requested a confirmation number to the adjsutment. The representative stated he did not have a confirmation number the returned check fee was credit. The representative asked why I have not been paying on my account and I replied I am a Hurricane Harvey victim and have been trying for the last year to keep up all bills and take care of myself and family but now it has become too much to handle. The representative asked for payment arrangements on the account and I refused. I repeated 3 times without interruption from the representative " I will not make payment arrangements on this account at XXXX XXXX on XX/XX/2018 ''. The representative asked me when did I get paid and I told him it was none of his business. He then stated I had to make payment arrangements on the account. My repley this time was I know you are following a script and I am not trying to be rude to you, I do not know when I can make a payment, I do not have any money in my bank account, and I know it will be reported to the credit bureau. I asked the representative again if the returned check fee was credited to my account and if the {$180.00} would be submitted again to my bank. The representative stated my account was credited and the {$180.00} would not be submitted again. The representative asked again and when did I get paid and I agin stated that was not his business. He insisted that I make a payment arrangement and again I declined and ended the call. Later that day the {$180.00} was sent to my bank and returned for insufficient funds.
03/13/2019 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Need information about your loan balance or loan terms
  • NJ
  • 08043
Web
Upon taking out my private student loan with XXXX for my XXXX degree, I had slightly over {$30000.00} in private student loans which were consolidated into XXXX loans in XXXX. In XXXX or XXXX, XXXX sold/sent those loans to Discover - I did not sign anything new just received a mailed letter informing me that XXXX would be my loan processor. Since that time, I have paid over {$31000.00} in student loan payments but still owe {$37000.00} somehow. In further looking into it with my husband, we see there is an 8.95 % interest rate. I never had that high of an interest rate with XXXX - in fact I recall having XXXX loans originally ( one at 4.75 % and possibly one at 7.75 % [ I can not find any paperwork from XXXX with this rate on it however ] ) and I consolidated those loans but never at that rate. We reached out to Discover on XX/XX/XXXX and made a formal request to have all loan documents sent to us. At that time we were informed it would be XXXX business days. We were informed if Discover changed the rate after taking over servicing the loan they would have to have sent a loan origination document for me to sign ( I never received one or signed one ). As of today, I have not received any documents from Discover - nearly a month out. In speaking with Discover today XX/XX/XXXX, during my first phone call an agent tells me there is a " will call out for an approval disclosure that was not received '' and that her records indicate a transaction history was sent to me on XX/XX/XXXX ( I have not received this ). She also indicated that Discover was trying to reach me via phone on XX/XX/XXXX and XX/XX/XXXX - it's possible they called me but I did not answer ; though I do not have any voicemails. She said they didn't clearly state why they needed to talk to me. She also said " it usually doesn't take so many departments '' to fulfill a request like mine. I requested again that the loan documents be sent to me and also asked that any phone recordings be sent over to me as well. My husband called back to get more clear information based on what I was told but did not get any information so I called again. This time, the representative I spoke with was less transparent in reading me the notes on my account ( to which I asked why I couldn't have the entirety of the notes and she said they were internal ). This representative told me that the promissory note ( which she said went through a second review ) and transaction history were both sent to me on XX/XX/XXXX via XXXX mail no tracking number ( I did not receive them to this day ). She also informed me that the original timeframe I was given for documents to be sent to me ( 7-10 days ) was incorrect, and that it was actually 30 days. When I asked her to be clear if there were any other documents besides the XXXX mentioned that were mailed ( and I did not receive ) she said there is an " approval disclosure '' form in its second will-call. I asked the date on this she said XX/XX/XXXX. When asked what it meant, she let me know that they do not have the document and it's a second attempt to retrieve it. She then informed me that the documents " sent on XX/XX/XXXX '' that I didn't receive, today would mark the start of another 30 days they have to get them to me. However, as I pointed out to her, the approval disclosure which she told me is when you " accept the loan terms '' was part of the XX/XX/XXXX request and 30 days would put us at this weekend. When I asked what would happen if they weren't sent to me within 30 days, she told me they would keep looking for them. She also told me that if I wanted the recordings of our phone conversations, the legal department would have to decide if I could have them. The documents I have from XXXX show a 4.75 % interest rate on a consolidated loan and so far, no records have been produced by Discover to show I agreed to 8.95 %. They have not provided me with proof of this interest rate in a timely manner. They are inconsistent in what they are saying and they aren't being transparent.
01/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 300XX
Web
XX/XX/XXXX Consumer Financial Protection Bureau Re : This complaint is about harmful transactions on my credit report for 2 transactions. Companies involved : XXXX, XXXX and Discover *** I had my cash flow impacted due to COVID-19, and I had to use my credit cards to pay for necessary expenses to survive. XXXX must not make excuse of this utilization, because I have been paying regularly to my cards and still maintained a score of XXXX ***My score dropped very low on XX/XX/XXXX when XXXX placed all RED marks on my report and closed the account and said dispute is complete. Further, all my efforts to resolve the issue with XXXX, XXXX and Discover of the harmful entries in my credit did not work. All my request to get loan got denied due to this*** Following are the transactions with XXXX adversely impacting my credit : 1> XXXX Credit Card ( I have filed complaint against XXXX separately with another company ) 2> Discover Credit Card 1. XXXX credit card - Negative Impact on my credit and lowered my score very low form XXXX to XXXX impacting my day to day life with declined of loan request from several lenders I have been trying to communicate with XXXX and explained to them in detail and impact on my daily life, but there is not any support at all. I learned about this XXXX collection approximately 2 weeks ago i.e. 2nd week of XX/XX/XXXX. I had been scammed by a company when I was looking for help in my business in XXXX XXXX. I gave my XXXX card number but never received any product or services from this scam company. From the very next day I learned and I been fighting and sent support documents to XXXX. But this bank did not honor the right thing that is to " not to credit the scam ''. I spent several hours and days trying and requesting XXXX to make correction, but the bank did not correct. I was already hurt with the uncontrollable situations in my business, and I did not want to use XXXX card again. I told their dispute department that their action is not polite and I stopped using the card form this point. With the hit of COVID-19, my cash flow impacted and I had no choice and used my other credit cards to pay for necessities. During this time the lenders did hard pull on my credit and told me that I have collection on my account. I got several of my request of loan from lender denied, because of the collection. XXXX never sent any letter or anything about this collection, no communication at all. I checked my credit account after the email on XX/XX/XXXX of dispute completed with XXXX and was shocked to see further score dropped to XXXX due to collection and closing of XXXX account. This dispute I filed with XXXX soon after 2 week of XX/XX/XXXX. XXXX closed the dispute saying is resolved. And XXXX put all RED mark my report and dropped my score extremely low. I called since very day XX/XX/XXXX few times, but got absolutely no help. I called XXXX as well ; they said " call XXXX '', and XXXX say " call XXXX ''. But I am as the end consumer suffering with their ignorance. 2. Discover Credit card Negative impact on my report, lowered score XXXX further has inaccurate information on Discover card in my account. I had moved and did not receive my Discover Bill and some very important mail i.e. trade mark registration form XXXX. Because USPS mail forwarding did not forward all my mail. When I realized that I dont have Discover credit statement, I actually called to find out and paid the balance over the phone immediately. But Discover reported it negatively. All my efforts to not to cause harm to my credit, they did not resolve. Further. regardless of my all attempt to communicate with XXXX, they did not correct it. It still shows late. Even last night I called and requested but Discover said " it is XXXX, they need to correct it not us, we cant do anything ''. At the end I am suffering. I need your help to have XXXX correct the transactions. The further detail is in the attached screen shot captured from the credit account. Thank you
02/27/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • IN
  • 462XX
Web Servicemember
Initially we were experienced a very serious compromise on XX/XX/XXXX, this forced us to change all of our banking accounts and I believe that we requested new credit cards but not 100 % certain. Computers were taken to XXXX XXXX at XXXX XXXX and supposedly fixed but due to severity of compromise we did not use any computer that was involved after because they installed XXXX XXXX. Now fast-forward to XX/XX/XXXX and I start getting text from my Discover Credit Card about a transaction from XXXX asking if this was transaction and I would respond no, without thought I just thought that since this was the fraud dept they declined all of them. This text started to be frequent so I decided to login to my account because I started to think this was a spam text at this point, and to my amazement it was not. There were a multitude of charges from XXXX that actually started as a temporary authorization on XX/XX/XXXX for XXXX that was credited back on XX/XX/XXXX, on XX/XX/XXXX XXXX transactions were approved, on XX/XX/XXXX XXXX transactions were approved, on XX/XX/XXXX 49 transactions were approved, on XX/XX/XXXX XXXX transactions were approved, on XX/XX/XXXX XXXX transactions were approved, on XX/XX/XXXX 12 transactions were approved, on XX/XX/XXXX XXXX transactions were approved, on XX/XX/XXXX 12 transactions were approved, on XX/XX/XXXX XXXX transactions were approved, on XX/XX/XXXX 12 transactions were approved, on XX/XX/XXXX 5 transactions were approved. They gave me an dispute adjustment but told me there wasnt enough evidence to prove this was fraud, I sent screenshots from my account showing the only order I have ever placed was in XXXX. The next issue that they issued a partial credit for is with XXXX XXXX. The first transaction starts on XX/XX/XXXX and these are 2-3 transactions daily for {$4.00} for a total of 482 transactions, they credited me for 70. I reached out to XXXX and I was initially told that someone was using my card to purchase digital games on an account that has been closed and flagged as fraudulent and that they would investigate and get me refunded but no one gets back to me. When I call back they say that the other person should have never told me that but irregardless I never made the charges and this needs resolved yesterday. You can not see these charges on my XXXX account but both XXXX and Discover will not refund these. Next Issue is XXXX XXXX, this was cancelled on XX/XX/XXXX but I was charged every month including XX/XX/XXXX. I provided an email with communication with the delta dental representative. I had replaced this insurance with another dental insurance so I so it is illegal for me to have 3 coverages hence the reason I cancelled. I filed the dispute and they gave me credit for 1 month then reversed that credit. This is literally the reason that automatic payments have a bad rap, you cancel them and the credit card or financial institute sides with them. Last one is XXXX, there was a charge on XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXX reversal of temp credit. This one is a little more in depth because I was being charged for the same thing when I bought my computer and did not know it on my XXXX XXXX card which is the card that I bought the computer with. The problem with this is the information that they have on file besides my credit card and my name isnt correct. The email address is not mine, the IP address is out of the US, and the details that they provided are incorrect. Besides all of this XXXX is not a subscription that I would purchase if I was purchasing one. In addition if I in fact had this subscription you are charging me more than the initial amount so I need to authorize this amount and how can I when this isnt even my email address. Then the XXXX subscription would be a double charge because you charged my XXXX at the same time so you still need to give me money back and I do not have the subscription information because since XX/XX/XXXX since the Hack I have not had access to my computer.
04/17/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • XXXXX
Web Older American, Servicemember
XX/XX/2020 Discover Card XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Utah XXXX, FL. XXXX XXXX XXXX XXXX RE : Response to Vendor 's Reply ; Case No. XXXX ; Card XXXX Hello, This is my 3rd letter to Discover Card RE : the Fraudulent Business of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Even though I claimed Fraud by him, apparently Discover inferred I meant that my signature did Not buy his product ; hence, XXXX replied with documents to prove I had signed my Card to purchase his Software program. CLARIFICATION : I am not claiming a Fraudulent signature basis ; I bought his Fraudulent software program in early XXXX, 2020. The Fraud I am claiming is that I did NOT ever receive the Program & Services I paid for! This qualifies for the CHARGEBACK I have been Requesting for the last month due to the Following DISCOVER -Chargeback Reasons XXXX Rules : Code RG : Non-Receipt of Goods or Services Code RM : Quality Discrepancy I Never received the program ( in accurate working order ; it did NOT come close to working like he promised! ) and never received the 'Timely & Accurate ' Listings of Real Estate properties [ at XXXX cents on the dollar ]! that XXXX XXXX about in his Various email/Ads he sends out to Unsuspecting citizens monthly! XXXX brags he provides Pro Support = another LIE! His support staff act like a bunch of jr. High school girls ; totally Untrained ; give XXXX service ; are famous for Replys with a [ Canned Email Template ] telling you to go to XXXX XXXX Website ( XXXX XXXX ) to find the answer ; but Fail to tell you where on the website the answer might be Hiding! His support Staff wasted Hours of my life the 1st month XXXX XXXX & XXXX XXXX giving me the runaround most of the time. Support Staff [ Blocked ] My Access to Program 3.5 Days I bought 2 Software programs from XXXX XXXX in XXXX, 2020. I was so frustrated by the XXXX & Nonworking of the 1st program ( ReallyFlipNow ) I sent them an Email to Cancel it [ within 3 days ] of buying it, about XXXX, 2020. At the same time, I went into his Website/Forum and Posted Negative Comments about how Fraudulent his product was. ( * ) As Unlawful RETALIATION [ against a Senior citizen ] they BLOCKED ME OUT of the program!! For 3 days ( Over the weekend. ) I was REFUSED access to [ XXXXXXXX XXXX XXXX program I had paid {$1400.00} for, on my Discover Card. Then, XXXX XXXX Lied ] in our phone conversation, falsely claiming I had requested it = a blatant LIE!! then, XXXX XXXX XXXX sent a Falsified copy of that Phone Conversation to Discover to [ Decieve ] Discover to make it FALESLY LOOK LIKE I had requested it = BIG XXXX LIE!!! XXXX XXXX sent me an Email the 1st week of XXXX, 2020. I watched it. In it he stated 1 year Guarantee on his XXXX XXXX XXXX XXXX Software program ; that is the main reason I bought it ; because of his GUARANTEE! NOTICE : when he submits his Company 's Disclaimer/Agreement with Customers, XXXX Completely BLANKS OUT HIS GUARANTEE!!! that is XXXX XXXX!!! and resorts to his Attorney 's Fancy-legal language making it Falsely Appear as there are No Refunds available. XXXX XXXX is a Blatant LIAR!! XXXX XXXX is a major XXXX XXXX!!! XXXX XXXX XXXX is XXXX XXXX XXXX by the thousands-per-month, WORLDWIDE!! XXXX XXXX XXXX is LIEING LEFT & RIGHT to Credit Card Companies to [ Deceive them ] into holding up his Crooked/Fraudulent Charges for FRAUDULENT PRODUCTS that DO NOT WORK as Falsely Advertised.!!! If discover Card continues to support this BLATANT CROOK, then Discover Card has [ Joined ] the XXXX XXXX XXXX to DEFRAUD Senior Citizens & doing it NATIONWIDE. Hence, we are now forced to File a Complaint on Discover Card being [ In Conspiracy ] with XXXX XXXX a RICO Act Ongoing Violations. And, your Conspiracy is Ongoing ACROSS STATE LINES, that gives the F.B.I. Jurisdiction. We have Filed a Complaint on Discover Card Unlawful Acts with the F.B.I. And Federal Trade Commission. More to Come, as we are still Researching. Cordially, XXXX XXXX XXXX XXXX XXXX
10/16/2017 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Problem with renewal
  • KS
  • 66044
Web
As a trustee, I opened a 24 month CD account with Discover Bank on XX/XX/XXXX. Upon maturity, in XX/XX/XXXX, I decided to roll the total amount over to a 60 month CD. I did not receive notice of upcoming maturity as promised in the Account Agreement, which states " you will be notified approximately three weeks before your Account matures ''. The money was then automatically rolled over for another five years. This is not what I had intended to do with the money upon maturity. I spent close to two hours on the phone with the bank on XX/XX/XXXX attempting to get answers as to what happened. When it became clear that a number of errors were made on their part, I requested to have my money returned penalty-free. I spoke with one representative and three managers, but had no luck convincing them to do the right thing. I then reviewed every piece of mail I 've received from them since the initial opening of the account in XX/XX/XXXX and attempted one more time, on XX/XX/XXXX, to resolve this issue before taking further action. As it happened, I was actually connected to one of the people I spoke to ( XXXX ) on XX/XX/XXXX ... but again, I had no success in getting my money returned to me penalty free, regardless of the fact that they did n't hold up their end of our agreement in notifying me prior to the CDs maturity date. They are claiming because they are able to pull up a copy of that notification in their digital file, that this means it was actually sent. They are also able to pull up a copy of the next notification, notifying me that the CD had rolled over for another 5 years which was also ... NOT RECEIVED! During the appx. 2hrs I had spent speaking with four different people on XX/XX/XXXX, I was told by the first representative that there was no address listed, so the automatically generated notices would have been generated but would have had no address for mailing. Additionally, I was told by all FOUR of them that a hold had been placed on my outgoing mail at some point. None of them were able to state the reason for this. The best they were able to do is " guess '' that they " may have received '' return mail from my address, which is one reason they might place a hold on outgoing mail. They are not, however able to find any evidence that this is what happened. I was also told that, somewhere along the way, a box became checked on this account that had my sister ( who is co-trustee ) as the mailing address, but that there is no address listed for my sister when you click on her name. I have contacted my sister and she has verified that she has not received any mail corresponding this account. I have continued to receive other mail ( i.e. XXXX form ) mailed to me ... with my name .... at the correct address ... .leaving me to wonder, was there truly a hold on my mail or was there not? I do n't claim to know what happened, but it 's clear that the bank made some type of error, if not multiple errors. I understand that mistakes happen, but I 'm not o.k. with the beneficary of the trust that holds this CD paying the cost of errors that were not his nor mine, while the ones in error are profiting from that error. Considering these facts .... 1. The agreement promises advance notice of CD maturity ... 2. I stopped getting my annual statements and important notifications 3. There is no evidence that there was any good reason for holding my mail 4. The bank never bothered to try contacting me about the mail hold by : a. attempting to send another piece of mail to the listed address ... b. emailing me at the listed email address ... ( I have proof they have my correct email address ) c. posting a notice on my online account 's " inbox '' 5. I believe The CFR, part 1030 requires prior notification of CD maturity 6. I believe The CFR, part 1030 requires banks to comply with their very own printed Account Agreement. ... I believe it 's more than reasonable for me to expect that Discover Bank return to me the money from the CD, penalty-free.
08/14/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • CA
  • 92373
Web
Around XX/XX/XXXXI was checking my XXXX XXXX account ; and an offer popped up from Discover card for me to apply for a credit card and my chances of being approved were excellent ; so I applied and was approved for a credit limit of {$12000.00}. I received the credit card about 10 days later. I used the card for about two months ; and without any notice whatsoever I get an alert on my phone under the discover app that I was over my credit limit, when I checked my discover card account online I noticed that my credit limit is not {$9500.00}. I checked my emails to see if I had received anything from discover notifying me that my credit card limit was decreased but nothing was in my email inbox. I checked my phone to see if maybe they called and left me a voicemail regarding the decrease in credit limit ; and yet no voicemails or calls from discover card. I contacted discover card to inquire about why my credit limit was decreased and why I was almost {$2500.00} over my credit limit. I was advised that a letter was sent and that I should receive the letter in the mail within 7 business days. I waited 14 business days to give them time in case there was a delay in delivering the mail. No mail and no letter and no explanations as to why my credit limit was decreased and why I was over my credit limit by almost {$2500.00}. I attempted to contact discover card several more times between XX/XX/XXXX and XX/XX/XXXXby email and phone and all I kept getting from them is that I would receive a written notice in the mail as to why my limit decreased and and any additional information. I waited and still nothing ; so aroundXX/XX/XXXX I contacted discover card over the phone and made a full payment of my entire balance due and asked discover card to completely deactivate, remove, and close my entire credit card account forever and to remove my autopay from the system so that no funds would be withdrawn from my linked bank checking account. The representative assured me that my account was at a XXXX balance after full payment was made and that she was closing my account, canceling and deactivating my credit card and mailing me confirmation that the account had been closed completely and with a XXXX balance to where I didnt have to worry about calling them back in case it appeared on any of my credit reports. I trusted that the rep. I spoke with was going to do exactly like she told me over the phone so I never checked my account again online because I didnt have any access to the credit card or my online account anymore after that day. AroundXX/XX/XXXX I was looking over my finances and statements for my banking accounts and noticed that Discover card had been taking and withdrawing money from my checking account on a monthly basis and that the credit card was never deactivated nor had the representative removed me from there system. I contacted all 3 credit bureaus and notified them of identity theft and that someone had been using my bank account and my discover credit card without my authorization and that I had been in contact with discover card and discover card has refused to return any of my phone calls or emails and online chat messages. I have copys of all of the attempted contact information along with screenshots of what error messages I would get every time I try to log into my account online. My credit card was compromised and someone had been using my card and online account because I didnt have access to it from XX/XX/ to present. I had no choice but to file this complaint online because discover card is and has not done anything to fix this problem. I want discover to remove me completely from there system and I want them to not report this to any credit report agencys because it is 100 % Discover cards fault for misusing my information and allowing for the discover card to stay active. They allowed someone to use my information and that person or persons to whom I do not know has been using my credit card and account all this time. Thank you.
06/23/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • XXXXX
Web
To whom it may concern, On XX/XX/XXXX, $ XXXX was ACH transferred from my account at XXXX ( XXXX ) to my account at Discover Bank ( XXXX ). XXXX is the original source of funds. On XX/XX/XXXX, I transferred {$74000.00} from my account at Discover Bank ( XXXX ) to my brokerage account at XXXX XXXX ( XXXX ), and my account at Discover Bank was closed. XXXX XXXX restricted my accounts on XX/XX/XXXX. They had not provided me with any reason or justification, until, finally, on XX/XX/2021, due to a FINRA complaint that I had filed against XXXX XXXX, I was informed that the reason for all the restrictions is that Discover Bank had sent in a request to XXXX to hold the funds, shortly after the transfer had occurred, and that they would not be able to release the funds until Discover Bank asks them to release the hold, or does a recall of the funds back to Discover ( please see attached, XXXX XXXX response to my FINRA complaint ). I contacted Discover Bank, on XX/XX/2021, and after talking to agents from the security department, I was told the reason they had sent in that request to XXXX XXXX was that XXXX ( original source of funds ) had sent in a recall request for the ACH to Discover Bank. I was told to contact XXXX to resolve the issue. As the background story, it is important to note that my accounts at XXXX were restricted due to suspicious activity on XX/XX/XXXX. However, after a complete fraud investigation, my account privileges at XXXX were restored on XX/XX/XXXX. Apparently, sometimes during the period between XX/XX/XXXX and XX/XX/XXXX, XXXX had sent out a recall request to Discover Bank for the $ XXXX that had gone out of the account, however, after their investigation was done, and my account was fully cleared, they had cancelled this request. This was confirmed to me, by the fraud agent at XXXX in charge of my case, Mr . XXXX, with direct number XXXX ext # XXXX, on XX/XX/XXXX. On XX/XX/XXXX, I contacted Discover Bank, and talked to their security department again. I informed them that I was told by XXXX that they have cancelled their request for the return of these funds. I provided the Discover Banks agent, direct contact information of Mr . XXXX from XXXX, in case they have difficulty confirming this information. After I was put on hold for a while, the agent was able to confirm that this information is indeed true, and XXXX is no longer requesting the funds back. I was then connected to another agent, I explained the situation once more, and asked for Discover Bank to cancel their recall request from XXXX XXXX, so that I finally have access to my funds. She noted everything down, confirmed with me that XXXX had cancelled the recall request for the ACH, and told me that she is sending this new information to the fraud investigator in their back office. I was told the investigation at Discover Bank is still ongoing, there is no time limit to these kinds of investigations, and I will be informed regarding the results via letter. I, however, do not find this response acceptable, since, as I was previously informed by Discover Bank, the main issue was caused by XXXX, and now that the issue has been resolved with XXXX, and it has turned out this was all a mistake, I must be provided immediate access to my funds that are being held away from me at XXXX XXXX by the request from Discover Bank. I have not had access to $ XXXX of my hard-earned money for over a month and a half. Now that the main cause of everything and all the issues at XXXX has been resolved, it is not too much asking from Discover Bank to just cancel their request from XXXX XXXX and allow XXXX XXXX to release my funds back to me. Please assist me. I have bills to pay, and I need access to my money as soon as possible. I, hereby, request Discover Bank to cancel their request from XXXX XXXX to hold or return the funds, and allow XXXX XXXX to release these funds back to me, and give me access to my money. Thank you for your time and consideration. -XXXX XXXX
09/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Was not notified of investigation status or results
  • TN
  • 373XX
Web
In XXXX of XXXX I had spoken to a lady from Discover about a financial hardship program that Discover offered there customers for a couple of months. She explained to me this was like a fresh start with Discover because I currently had a balance due for that month which was in XXXX of XXXX that I was going to have a super hard time to make the minimum due with the balance I had had at that time. She said no worries, that this program would get me back on track after a couple of months and she then said everything would go back to normal. She was on the phone with me for over an hour trying to get this accomplished and she walked me through the paperwork online that I needed to fill out. After the call I was please with our conversation and was very relieved at the smaller payments that we agreed to for about 6 months if I'm not mistaken. My hardship payments were automatically done on an auto draft format based to the hardship lady had said it was required to do for that program so I did so. My payments were taken out of my account in XXXX, XX/XX/XXXX before the next billing cycle. I was paying extra on my account aside from my auto withdrawaI as well. I had looked at my XXXX XXXX in either that late part of XXXX or XXXX of this year because my wife and I were looking to purchase a home. Much to my surprise my Discover card had shown me to be late for XXXX of XXXX, XX/XX/XXXX and XXXX of XXXX as well. I freaked out and called them. I told them to read the ladies notes that set me up on the program because I know 100 % sure she said this was a fresh start for me and that everything that I current owed would be restarted fresh except for the balance and the interest rate would be lowered as well to help lower my payment during the program period. I was on the phone the first time for almost XXXX hrs trying to resolve this issue and was told that a supervisor would have to investigate the matter and give me a call back in a couple of days. In XXXX I called back again to follow back up because I thought they got busy and forgot to call. I spoke to someone again and had to explain everything as if I never spoken to the person a week and a half prior because she stated there was nothing noted on my account, I stressed the fact there should of been an investigation done, but there wasnt, so here I was again over an XXXX hrs later with speaking to several more people with no resolution. I was then promised again that she would be taking care of the problem that she would make sure I got a call back in less than XXXX week. Two weeks weeks by and still no work so were in the middle of XXXX. Here I go again trying to resolve the issue and more than a hr again with nothing more than I stated from except this time they said I was late for XXXX, XXXX and XXXX. I asked them how that was possible because I was set up on automatic draft. She didnt know at that time, but she would investigate the matter and call me back. I never heard back from anyone. Now were into XXXX of XXXX and I call and yet again no notes no understanding of what was happening and speaking to several people telling the same story everytime nobody has an answer for me, but they did promise to resolve the issue, but it's now XXXX and I had never heard back from anyone. I was so frustrated with there business practices that I went to my back and received a loan to pay off the entire balance just so I would never have to deal with them again. I didnt think there was anything else I could do until I stumbled upon the complaint form. I'm not late on anything and I've only had XXXX pate payment in my life in over 43 years and that was years ago. I need someone with some authority to pls help me. They could care less about me or my issue. I've never been so frustrated and demoralized in my life. I would appreciate all help in anyway I just dont think I can explain the story again to anyone I just want this to go away and my credit to fixed the way it should have been. I was NEVER LATE.
11/18/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • MN
  • 55337
Web
Hello, Please note that my selection showing that I am having issues with getting a working replacement card was the closest to my concern but not my exact issue. My issue is that I consented and applied for a credit card and the card issued to me was sent with the wrong last name. On XX/XX/2018, at XXXX, I responded to an offer Discover card sent in my correct name by phone. Attached is the invitation showing the correct name, address with invitation number leading to my approval and a screen shot showing I called to apply since they are claiming I applied my mail and the online. Id like them to pull the call on 10h for review for coaching and training purposes. This offer was simply to apply for credit card and the entire process took less than 15mins. I remember the representative asking my name so he could address me during our conversation but I dont recall any questions about my name during that application process it self. Discover card has made a huge error, violated me by placing an incorrect name on the card they sent me. Ive spend hours being bounced around their departments with no one admitting they made an error, lack of listening or verification prior to the issuance of my credit card and not issuing a card in my correct name. I was told to send documentation of legal name change when I never gave them the wrong name to start with. To me its a fd up way to begin a relationship in which I thought was a good move with them and here we are with nonsense. I wanted to avoid the hassle and figured Id look for documents from years ago to satisfy this issue but I have spent additional personal time in an attempt to locate documents i have not used in over 6 or 7 years. Unfortunately, I cant find the document of name change at this time as a result of just moving into a new house. Here I am stuck with this issue without my documents and I need them to correct this huge error without causing additional impact to my credit. I was told by a rep that they can just close the card and reapply like its nothing and I feel that people who say such things have or dont know the value of avoiding credit inquiries and how much of an impact it has. I have not provided additional consent to review my credit beside the time I applied so there should be no addition inquiry including any soft pulls on my credit. they had their chance to look at my credit profile, which I believe they did when they approved me and should have had the correct last name at that time. I have bought 3 cars, applied with other financial institutions and purchased 2 homes since my name change and Ive had no issues. So why Discover? How come they have the right to make a mistake and then pry into my personal life? when I called in an attempt to resolve this issue, I found out that they dont have a way to track how the application was taken, I was told, I applied with paper by mail which was incorrect, then another rep told me I applied online and filled the application myself which was also incorrect. The last rep told me it was an assumption that Discover doesnt have a way to track how applications are taken. What? This is a huge risk to consumer and hate to say but a risk for their financial institutions. How can a huge financial institution like this not have valid records of an application process and then choose to place an incorrect name on my card and leave it up to me to fix it. This is the similar nonsense that got wellsfargo in Trouble to begin with!!!! I dont feel that Discover has any legal right to the documentation showing I had a name change from about 7 years ago as they are requesting. i feel this is a violation of my rights and no one seems to care that they made an error or willingly fix the problem. Again, This is their mistake and they should internally fix this problem by sending me my XXXX XXXX card with the correct last name, an apology and admittance of this issue and compensation for all the wasted time Ive spent dealing with their error.
07/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 90503
Web
I filed a dispute with Discover card, they did their investigation and I do not agree with all of the results from their investigation. I'm not requesting money or claiming any type of monetary refund. I'm requesting a more accurate accounting of what really happened. According to their investigation an account was opened in my name in 2008. I agree. It also states, " information was verified as your information and Discovered opened an account. '' Well, this is totally questionable. What information? My name? My social security number? Because the address was not mine, the phone number was not mine, the email was not mine, I asked to see my signature and they couldn't produce anything. What kind of verification system does Discover have anyway? So the statement that they verified my information is a half truth. They claim that " the card and several additional mailings were mailed in your name to your valid address over the life of the account '', exactly when? I didn't know about the existence of the card until I got a Court order to access my wife 's business po box . Nothing came to my home. Once I contacted Discover about the invoices found in her po box is when Discover started contacting myself directly at my phone number, my email and my home address. I feel Discover is mistaken and what they feel their findings reveal is not correctly interpreted. Double check your findings to make sure it is my address not my wife 's business address, email and cel number. Bottomline, my credit was issued to someone else without my knowledge. Whether I benefited or not is not the question. To that question, I paid the debt in full. The issue was ... the issuing of this credit without my knowledge cause problems at the time of my wife 's death due to probate and other circumstances, I had difficulty paying this debt I had no prior knowledge of. But despite all this, I did pay off the debt. I was trying to figure out how to pay it and it took some time. Discover is just as guilty of causing this confusion as is my late wife. I'm the only one not guilty of anything. Yet I seem to be the only one being punished. The problem is not whether I paid or not, the problem is I didn't pay on time and what was the cause of delay. The cause of delay was not my fault. I should not be penalized for this. Discover was a participant in the reason for the delay. That is all I'm saying and the report should reflect this. I think Discover should reconsider their stance considering that I'm not requesting anything monetary. I'm not sure why the letter is listing refunds, I didn't ask for may money. I just do not want a blemish on my Credit history which I do not feel I deserve. I feel under the circumstances I took care of my credit obligation even though I wasn't fully convinced that the debt was mine. Technically the courts allowed me to pay from my wife 's estate after reviewing my situation. I don't understand why Discover can not understand what the XXXX XXXX court system understood. Anyway, this is a matter of principle. I will take legal action if necessary. If that happens I will be looking for monetary gain. If Discover actually has proof, my signature or proof of mailing invoices to my home address for the life of the account, or emails to my email address, etc... instead of claiming to have these records, how about showing it to all of us? Please understand, I had to dig deep into my wife 's finances and personal data to find the Discover Debt. Once found I contacted Discover promptly to figure out what it was and how to resolve the situation to the benefit of both parties. If Discover 's claim is correct and it was being sent to me, I wouldn't. have had to dig for it. I'm not above apologizing if I'm wrong. There is a chance I could be mistaken but so far, I don't see how. But showing us the record of what Discover claims to have would finish this dispute promptly. Unless I see something substantial, I'll not be going away.
04/21/2017 Yes
  • Credit card
  • Other
  • TX
  • 77407
Web
After review of my credit reports in XXXX XXXX I noted an adverse item from Discover Card Services o n the XXXX reporting agencies. I disputed the negative reporting directly with XXXX XXXX XXXX XXXX on XXXX XXXX , XXXX and again on XXXX XXXX , XXXX . Under Federal Credit Reporting Act ( FCRA ) Section 609 the credit reporting agencies ( CRAs ) are required to provide physical verification on items listed on the credit report. The XXXX CRAs failed to provide any verification at all violating FRCA 609 ( a ) ( 1 ) ( A ) so I contacted the furnisher of the negative information Discover Bank requesting an investigation on XXXX XXXX , XXXX after two failed attempts to verify through the CRAs. Both disputes came back as verified by the XXXX CRAs. The furnisher should have by law conducted an investigation when I disputed with the credit bureaus under FCRA 623 ( b ). Attached is the letter sent to the furnisher Discover requesting an investigation per ( FACTA312 ( c ), FCRA 623 ( a ) ( 8 ) ). In the letter I noted inaccuracies in the information reported to the CRAs and requested an original contract, billing statements for the life of the account, and a full accounting of the account from inception to the reported charge off. Now had the furnisher conducted an investigation in response to my disputes through the CRAs then it would have all of the documentation that I requested in my XXXX XXXX , XXXX letter. Apparently an investigation never happened. This furnisher Discover failed to notify me of the status of the account prior to reporting negative information to the CRAs. Additionally, the letter received today in response to my Section 623 investigation request was completely ignored. Discover Bank sent a letter received on XXXX XXXX , XXXX requesting information already provided in the XXXX XXXX , XXXX investigation letter attempting to stall an adequate response to the request for an investigation. Meanwhile my consumer rights are in violation. Discover Bank was already provided the 1 ) Account number, 2 ) Address 3 ) Reason for the dispute and with this data the furnisher can complete the investigation required by Law. The furnisher has failed to provide any documentation at all to substantiate the information reported to the CRAs. The Furnisher was giving 37 days to comply with the Fair Credit Billing Act ( FCBA ) however the attached response shows a clear violation of federal laws and my rights as a consumer. If all three of the CRAs and the furnisher of credit information are unable, unwilling to comply with Federal laws regarding billing and credit reporting then I 'm requesting the CFPB to step in and enforce federal laws on the furnisher and CRAs. If the furnisher is unable to substantiate the balance, status, and disposition of the account to the alleged account holder then how can it possibly sell the debt to a third party debt collector? No 3rd party debt collector would ever be able to validate this alleged debt without violating the Fair Debt Collection Practices Act ( FDCPA ). I was very surprised that Discover was not willing to comply with this simply request but insists on continuing the negative reporting with the CRAs and doubling down after 90 days of disputing and requests for investigation. After reading CFPB 's XXXX XXXX , XXXX press release titled " CFPB Oversight Uncovers And Corrects Credit Reporting Problems Bureau Report Outlines Accuracy and Other Issues That Bureau Supervision Has Taken Action to Address '' about the blatant federal violations and consumer complaints about credit reporting from the CRAs I was n't shocked that the private for profit CRAs would recklessly continue reporting inaccurate negative information causing financial harm and duress. However I was deeply disappointed that Discover would also participate in violating federal laws and my consumer rights by not taking this matter seriously.
01/12/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • OR
  • 972XX
Web
To Whom It XXXX Concern : Since XXXX of XXXX, my income vanished. The pandemic put a stop to my newly started " business '' of working events and festivals. This was an endeavor that I had just started in the fall of XXXX. Things were starting to take off when the pandemic stopped everything. I have been scrambling to keep a roof over my head and to find work. The job market in XXXX is not rebounding and the city is in shambles ( regardless of what the reports say ). I still haven't found work. I defaulted on all of my credit cards in XXXX and stopped paying my monthly IRS bills because I was out of money. I continued to pay my Discover card because the minimum payment was {$40.00}. per month. I haven't used it since before XXXX of XXXX. The balance was and remains {$1200.00} though I've paid each month until XXXX of XXXX when I missed a payment by 35 days. The IRS told me I couldn't continue making payments to other creditors when I couldn't keep payment them, but with the low obligation, I kept paying. When I logged into my Discover account to make XXXX months of payments which should have been {$82.00}, instead they wanted {$190.00}! and told me my payments would now rise to {$89.00} per month until I could prove my worthiness. I replied explaining that their charges were a hardship and told them I'd had the card for many years and NEVER missed a payment until now. I told them how the pandemic impacted me and they basically repeated their " offer '' of help which increased my payments. I told them to CLOSE MY ACCOUNT and stop incurring additional fees. I told them I was unable to pay and saw no clearing in the near future to continue payments based upon the entirety of my financial and job situation. Months later, they have kept my account open and they continue to rack up charges when the total balance was only {$1200.00}. I have written and spoken to them and told them to close the account. Instead of closing the account and sending me a final statement, they call all day long every single day. Minutes after XXXX and up to XXXX each night. They are not the only creditors calling, and coming to my door! I don't know how a person can think let alone catch a job-related call when this kind of collection effort is happening. I don't know what it takes to stop the interest from accruing and to close an account but I DO NOT AGREE TO ANY ADDITIONAL CHARGES OR FEES ACCRUED AFTER XX/XX/XXXX WHEN I TOLD THEM TO CLOSE MY ACCOUNT. Here is a copy of the letter I mailed to Discover Card Services on XX/XX/XXXX. It was printed and mailed at XXXX XXXX and the receipts are not only in my records but the postal center can verify this was mailed. I have also spoken with Discover via their message app : Dear Discover Card Services, I apologize for my inability to make my payments to Discover in a timely manner. I am unemployed and without money. I am also in debt to the IRS and multiple other financial institutions for substantial sums. I tried to make my last payments to you and though I was late, what should have been approximately XXXX XXXXwith your added feeswas increased to {$190.00}. I wrote to you via your messaging option. The person offered a slightly lower minimum payment, {$110.00} ( I think ) but wanted {$89.00} per month moving forward. My payments were usually around {$41.00} and I could barely eek by paying that. I was trying to keep up on this account because of the lower monthly amount, frankly, I shouldnt have. Ive not asked for any kind of Covid relief until this point, though my financial situation is terrible. The additional fees youve imposed make it impossible for me to continue. Ive submitted a request via email and the message application and I wanted to formalize it please close my credit card account. I would appreciate it if you could mail and email me the final balance, which I will not be able to pay. I need a record of the amount due for when I am able to. Thank you, XXXX XXXX XXXX XXXX
01/17/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • TX
  • 756XX
Web
In XXXX I received a call from discover card stating my account was pass due and in the process of being closed and going to collections. I explained to the representative that I was unaware of any outstanding balances and believed that the card was paid to date. I explained that I recently became aware of severe medical issues and that with XXXX and lock downs had no recollection of the recent charges that caused a balance on the card. I explained that the last payment I made showed that I paid the bill in full just as I done before. The representative stated that I could dispute the charges and any charges that I did not authorize would be credited to the account and I would not be responsible for the charges. The representative then explained that inorder to dispute the charges I would need to set up a payment plan that would prevent the card from being closed. I agreed to set up a payment plan and the representative stated that once the disputed charges were reversed any payments that I made would be credited to the account. The representative said that it may take longer than normal to investigate the disputed charges due to covid restrictions and regulations have changed during the emergency pandemic, and asked me to please just be patient with the process that she noted everything on the account and that she will forward over to the right department to start the process. After making the minimum payment for the rest of the year in XXXX and XXXX I then canceled the payment after receiving a letter from discover stating the card was closed. I assumed the matter was resolved and I would get a new card. Immediately after I lost close family members and had forgotten about the letter until recently I was notified that an attorney was attempting to collect the account balance. The charges that I never authorized and dispute in XXXX that i also paid for each month on time over a year on are now being charged to me again. I never received a credit for the payments I made and I was recently notified after calling discover that the charges was never received by their department that I disputed and they are just now being investigated and have 90 days to resolve this matter. Mean while I still have their collection attorney attempting to file with the court to collect the unauthorized charges that I paid on for over a year and that discover is still in the process of investigating. It appears that discover card has already decided what the investigation of the disputed will be as they still have an attorney attempting to collect charges I did not authorize and paid for as they state they are still investigating the charges. My main concern at this point is discover states they are investigating the unauthorized charges and will notify me once they complete their investigation and will provide me with the results within 90 days. If discover is investigating and they haven't verified that the charges are not mine and was not authorized by me. How is it legal for discover to have an attorney attempting to sue me for unauthorized charges that discover hasn't verified and notified me of balance after investigation or credit that they should have issued to me for payments made for unauthorized changes. It's important to know that I trusted the representative when they stated they would note the account and forward to have disputed charges credited. It appears they never did until recently. I also request if discover does not credit account for unauthorized charges and credit me for over payments I request discover card bank resolves this matter with arbitration. I will forward this report to discover bank and please not this report should also be form of written notice to discover bank XXXX request arbitration of this matter if discover bank is not able to resolved by 90 days. I request all unauthorized charges from XX/XX/XXXX to current be credited to my account and a refund of any overpayments be issued back to me.
03/07/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33570
Web
I reached out to Discover and submitted remittance in the form of coupon payment on XX/XX/22. Discover accepted and received it on XX/XX/22 and did not respond or apply payment. Date : XX/XX/22 Re : Acceptances by Discover on account number ending in XXXX I, XXXX XXXX have sent off certified mailing and payment in forms remittance/coupon in efforts to resolve and settle account ending in XXXX. This notice is Pursuant state law evidence of dishonor UCC 3-505 and UCC 1-202 I state the following as facts. On the date of XX/XX/22, Discover at XXXX XXXX XXXX XXXX, NC, XXXX received a remittance/coupon payment via Certified Mail. The corresponding certified number is XXXX as verified by Certificate Of Service. After acceptance of mailing Discover refused to send confirmation that account ending in XXXX has been adjusted and settled, nor a notice of dishonor from a qualified third party excusing your refusal, in response to the correspondence regarding account ending in XXXX. Discover did not cure your dishonor. Discover gave no creditable or justifiable reason for refusal to confirm the adjustment and settlement of account ending in XXXX or send a notice of dishonor. Therefore, based on the foregoing facts I state that Discover dishonored me, XXXX XXXX, through non-response, and did thereby agree that Discover accepted the remittance/coupon payment for account number ending in XXXX exchanged exemption for the discharge of the associated charges, including a settled account showing a zero balance, sent a letter of credit to the Secretary Of Treasury as notice that exemption is to be used to settle account number ending in XXXX. Further Discover agreed that refusal to send the written confirmation of settlement of account ending in XXXX or a notice of dishonor from a qualified third party, in no way negates the fact that said account is to be settled, Discover and any of its representative have no capacity to pursue collection on said account, under UCC 3-603, UCC 3-111 , UCC 3-311, Pursuant 15 U.S. Code 1611 in the amount XXXX {$5000.00}, Pursuant 15 U.S. Code 1692k ( a ) ( 2 ) ( A ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1692j in the amount of {$1000.00}, Pursuant 15 U.S. Code 1666 ( b ) ( 2 ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1666 ( a ) in the XXXX of {$1000.00}, Pursuant 15 U.S. Code 1691 ( a ) ( 3 ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1635 and UCC 3-306 , Pursuant 15 U.S. Code 6823 ( a ), Pursuant 15 U.S. Code 1635, Pursuant 15 U.S. Code 6827 ( 4 ) ( b ), Pursuant 15 U.S. Code 1640 ( a ) in the amount of {$5000.00} per violation or higher depending on pattern of failures aka XXXX. charges in accordance with TILA Regulations, Pursuant 15 U.S. Code 1692k ( d ) I the affiant am invoking my jurisdiction and will administer judgment over this matter in accordance to 15 U.S. Code 169299c ( d ), I the Creditor in fact in accordance with 15 U.S. Code 1692a ( 4 ) and as the Creditor who has created the debt. I will declare default judgment in favor of I, XXXX XXXX. Company failure to rebut and bring forth proof of claim in this administrative audit show proof in exhibit 1, that I owe the alleged debt shown in prior notice, Pursuant 15 U.S. Code 1692k ( a ) ( 1 ) in the amount of damages awarded in the amount of judgment in class action suit and that any further pursuit of collection is agreement that Discover collectively and and without argument owe I, XXXX XXXX the amount of {$5000.00} plus the remedy for the previous correspondence {$2200.00} and all just due remedy pursuant the 15 U.S. Codes mentioned in this letter in accordance with FDCPA and TILA, Regulations, in the amount of {$10000.00} and any further judgments in accordance with 15 U.S. Code 1640 ( a ) and that I XXXX XXXX may take all necessary actions to secure the claim to the remedy which is owed. Notice To Agent notice knowledge U.C.C. 1-202 Respectfully All Rights Reserved Without Prejudice U.C.C 1-308
11/27/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Add-on products and services
  • MO
  • 65802
Web Servicemember
I have. Discover it card. It come s with credit card protection that I went to activate due to covid 19 per the protection agreement. A federal emergency covid.19 as such entitles me to activate it an receive the following benefits. No interest incurred while active no.late fres or neg credit reporting an monthly payments made for 6 mos up to.12 mos. I have exhaustively tried to activate an use. Back.bone on XX/XX/XXXX initially I.was told it was activated an then nothing was showing that As intrest. Was adding an payments reporting .late an just compiled. Depending.on. Who you talk to you get no real response an always ends up talking to supervisor will get back to you. My record to XX/XX/XXXX I had 100 % on time I had this.ins on other cards no problem but its apparent. Discover card does not want to use.the services an rewards that they have with thier product s. Its false advertisement an wrongfully tarnished mycredit. An caused undue stress an mental anguish do to the debacle they have put on me. I am.submitting the protection on the card showing proof an everythhing.else I.can. my last correspondence requesting again an explaining in details like I was to a child what they did wrong Nd what I expected. Was met with. A we suspended your card .what need to happen is discover needs to honor thier card protection in.which active XX/XX/XXXX 9 payments the amounts over XXXX is added interest need to.remove which is approx {$2000.00}. 9 payments. X {$350.00} mo approx = {$3100.00} - XXXX = {$13000.00} is the approx balance the card should be neg bureau reporting be removed. An show.paid.N.current. an card status be as it.was prior to XX/XX/XXXX. I am a veteran of XXXX I am a victim of XXXX XXXX as I had the XXXX I have had financial issues from covid 19 an I am having to battle.uphillto get these credit.card co to do what they say. They will. I have days were I find.it hard.to.XXXX I.dont want to.waste. whats left of my life stressed when i shouldnt. Be an having to fix my credit. I had 700plus score. An due to Corp greed an the treatment of the above. DISCOVER CARD XXXX XXXX XXXX XXXX. Are not honoring any covid.19 relief or card protection. They treat you like you just stopped making payments like covid 19 never happened. XXXX I made XXXX payment on a XXXX bill in which XXXX wasa yearly fee just added thier covid 19 support is take.my XXXX leaving XXXX balance then.next day close my account not.even.notify or I.form.me.or any prior warning. They stated they were following a covid.19 deferred pay no interest etc I have it. In.thjer chat screen shot recorded they did nothing.. We.need to.have the credit.bureaus fixed an these companies charged with this an. Have accounts fixed. Its a world wide pandemic it absurd I should.have to.do.thhis.much.less have to.belay the obvious this is America we can do better we can.do.better for.us.veterans an victims of covid 19. Please do.something we were victims of XXXX XXXX XXXX XXXX XXXX mo scam back.at the.collapse XXXX. They had.in house appraisers that inflated the value. Deal was 2 years to refi or get out when the house is fraud over valued. It became clear that was thjer scam. We sunk money to get the.appras up new roof XXXX added a bonus room.N.half bath XXXX we made 24 payments at XXXXmo {$51000.00} a down payment of XXXX. HOA fees XXXXyr x 2 = XXXX total of {$97000.00} gone XXXX XXXX XXXX XXXX was our dream home we had.no.notice dead of .winter XXXX to.get out incurred moving an deposit expense XXXX the.house was 360psqft home sold.it.to us XXXX AporaisalXXXX. With the improvements we got it to appraise at XXXX 2 days after the good.appraisel us govt agents raided the XXXX XXXX XXXX froze everything we were.told.we would.get restitution we got nothing zero zip zilch missouri.Atty gen office. Said.we would after calling in.regards.they woukd.place us on hold an never respond. I.cant afford. Any more greed theft is thier anyone that can make these wrongs be right..
07/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 931XX
Web Older American
My debit account was frozen on XX/XX/XXXX, while I am on vacation in XXXX. It all started, when I requested a wired transfer to the account of my ex wife, after I learned that the Discover Debit card doesn't work outside the US. Please read the demand letter bellow I emailed to Discover Bank headquarters, after uploading it in addition to my account, and the banks secure message center. Since XX/XX/XXXX I called them, from XXXX at my expense, well over 20 times to no avail. They keep asking for more proof of my identity, even after I uploaded a newly issued US passport, that I received fro the US embassy in XXXX, XX/XX/XXXX, the divers license I used the I opened the account in XXXX, a copy of the social security card, and a bank statement from another account with XXXX XXXX XXXX XXXXXXXX, in my Name. I have exhausted all options and need help in that matter. Bellow is the demand letter I sent to the bank Account : XXXX XXXX ending XXXX Subject : Urgent Request to Unfreeze Account - Account Number : XXXX I am writing to you with utmost urgency and frustration regarding the freezing of my debit account. I am currently facing significant financial hardship and distress due to the continued freezing of my account while I am on vacation in XXXX. I implore you to take immediate action to unfreeze my account so that I can access my funds and close the account.Despite providing comprehensive documentation to verify my identity and address, including a copy of my drivers license ( although expired now, it was valid when I opened the account in XX/XX/XXXX, and does show XXXX and address ), a newly issued US passport ( issued at the US Embassy in XXXX XX/XX/XXXXXXXX XXXX XXXX ), a copy of my social security card bearing my name and SS number, and a bank statement from another institution, again bearing my name and address, my account remains frozen. I have taken every possible step to establish beyond any doubt that I am XXXX XXXX, a living individual with a valid social security number, newly issued passport, and rightful ownership of the account in question.I would like to emphasize that the documentation provided contains all the necessary proof of my identity, leaving no room for doubt or uncertainty. The repeated requests for additional verification and the prolonged freezing of my account are causing undue stress, frustration, and financial hardship during my time abroad.I demand immediate resolution of this matter and the immediate unfreezing of my account. I need access to my funds to cover essential expenses, as well as the ability to transfer the remaining balance to another bank where I can regain control over my financial affairs without unnecessary hindrances.I expect this issue to be treated with the utmost urgency and diligence, recognizing the significant impact it has had on my personal and financial well-being. I trust that you will take swift action to unfreeze my account and provide me with the necessary means to proceed with the closure of the account, as I have lost confidence in the service provided by your institution. I kindly request a written confirmation ( email ), of the unfreezing of my account and the steps taken to ensure the swift transfer of the remaining funds. In the absence of a satisfactory resolution within 1 business days from the date of this message, I will be left with no choice but to escalate this matter to the appropriate regulatory authorities and consider pursuing legal action to safeguard my rights as an account holder, and financial damages thus far incurred.I hope that we can resolve this matter promptly and amicably, without the need for further escalation. I urge you to consider the implications of the current situation and take immediate action to rectify it.I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX to discuss any further details, if necessary. I look forward to a swift resolution to this matter and the restoration of access to my funds. XXXX XXXX
02/16/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 90066
Web
On XX/XX/2022 I purchased two pairs of shoes from XXXX in the amount of {$2400.00}. I used my Discover card and paid through XXXX. The payment was made in two separate charges I assume, as the shoes were going to be shipped out. On XX/XX/XXXX I had a charge of {$1200.00}. and again on XX/XX/XXXX I had another charge of {$1200.00}. The shoes arrived on XX/XX/XXXX. I however decided that they did not fit, and I needed to return them, which I did that day, at XXXX. Which I have the receipt for the drop off. I also do have screenshots from XXXX that the items were returned back to XXXX and signed for in their warehouse two separate packages as they were shipped in two separate packages and had to go back into separate packages. They were signed for by XXXX. On XX/XX/2022 I received one refund through XXXX on my Discover card and the amount of {$1200.00}. I kept waiting for the other refund for the other pair of shoes to be applied to my account. However that did not happen. I did contact XXXX and they told me that the refund fell out of their system. And that they would figure out what was going on and I would get my refund soon. I waited a few weeks and nothing happened. So I contacted Discover card to start a dispute process. That took some time, and then eventually, I was told that the dispute was in XXXX favor that the charges were legitimate. And I knew that this wasnt true, because I had proof that I was charged for two pairs of shoes, and returned two pairs of shoes. They asked for documentation that I returned the two pairs of shoes. I sent them copies of my XXXX, drop off receipt and of the proof of delivery to XXXX as they requested. And again they denied me. So I contacted XXXX again to see if this could be resolved, because every time that Discover card would say its a legitimate charge I would continue the dispute, because I know it is not a legitimate charge. Because I returned the items and I was only refunded for one of them. So just recently again Ive been contacting XXXX and they state that there was some sort of an error and that they were only able to charge me one of the {$1200.00} that only one of the payments went through. Now they provided some documentation on their end showing that they were only able to capture one payment and they refunded that which I am not denying the one refund on XX/XX/2022. I spoke with XXXX. XXXX says that that is not true that XXXX received the two payments each of {$1200.00} one on XX/XX/XXXX and one on XX/XX/2022. I again spoke to Discover card and told them what happened how XXXX is stating that they only got the one payment but thats not true because I have two charges on my XXXX and on my Discover card and I sent them copies of each of the charges. I also contacted XXXX again and provided them with copies of both my XXXX and my Discover card showing the two charges and also the one refund. And they are completely denying that the other charge went through on XX/XX/2022. I have documentation of everyone I have ever spoke to you at Discover card at XXXX at XXXX. I cant seem to get anyone to help me. Now Im stuck with a credit card bill of {$1200.00} that I have to pay. I dont have the money and I dont have the shoes. Although I have proof that these charges are on my credit card, and then I only have one refund I also have proof and written proof from XXXX that yes, I returned the two pairs of shoes. So I dont understand why I dont have the refund. And XXXX wont help me because they say its past their 180 days to help me although Ive been working with Discover card trying to get them to help me as they are my banking institution so I thought that I needed to work with them. And they told me basically theres nothing that they can do that. Theyve escalated it as high as they can. And then they reapplied the charge on my account. Please help me I am begging you. I have been a 25+ year customer of Discover card, and I have never had an issue.
03/17/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • MI
  • 482XX
Web
This complaint is with Discover Financial Services. On or about XX/XX/XXXX my charges went over the limit. I immediately reached to Discover to setup payment arrangements and get the card back into good standing. I complied with all setup direct pay program so the payments would automatically deduct. Part of what caused the overage at that time was identity theft causing additional costs and restructuring of my banking accounts. I moved my banking at that time to XXXX from the credit union. I remain a client of XXXX to this day. The latter action allowed me to maintain my account with Discover along with a program suggested and offered by Discover. I have requested a copy of the program agreement over and over and to date still have not received the copy of the communication. When I signed up with the program I spoke to the representative several times to get clear. The agreement set a specific payment over 12 months to assist in making sure the account was back into good standing which occurred. I made these payments for the 12 months on time. What I was told by the representative who signed me up was that during the timeframe of the agreement I could not make any charges. As I stated my goal was to payoff my account so this was not a concern. Fast forward, I made all of the agreement payments and paid down this card over the past 3-4 years in good standing where it moved from XXXX balance to appr. XXXX after I paid them a lump sum payment of about XXXX in XXXX. I contacted the servicing center about XXXX things. To find out why the card was not functional and I wanted to add my my oldest child due to the fact that under XXXX I was hospitalized in XXXX and I did not want to have any issues should anything occur with my health. During this call, I was told that my account was suspended? I was never told my account would be suspended for the program agreement. I was told that I could not charge. In addition to this, I was told that they were reviewing my XXXX XXXX report in order to consider the account being reactivated. Needless to say I was livid and floored. I also shared with the representative that not only was XXXX XXXX in a national lawsuit but I also have been working with an attorney to clear incorrect and false information. Then on XX/XX/XXXX I found a correspondence from Discover that based on information from a credit report that they would be closing my account. I have been a Discover customer for almost 8 years and worked with them accordingly to handle my accout responsibly. This complaint is based on the following : XXXX. For a national credit card lender to provide false and incomplete information as it relates to a credit account and program which causes damage to a consumer should not be allowed. XXXX. For a consumer to perform correctly in paying and bringing down debt with a temporary program that is used by the credit provider to permanently affect a consumers credit without proper disclosure and documentation should be illegal XXXX Credit providers should be held by law when they receive a complaint ( which I did sometime between XX/XX/XXXX and present where I requested a copy of the original agreement which was electronically executed back in XXXX ) and for the lender to just ignore consumer requests again should be illegal. XXXX. Where credit lenders can unilaterally hold a consumer 's account XXXX based on non-disclosed evaluations. If I had not called Discover I would have never known that about these credit evaluations through XXXX XXXX ( no documentation about any reviews had ever been issued to me the consumer ). I am asking for a reconsideration in closing my account and that the CFPB investigate this complaint based on consumer protection laws. Discover has taken auto pay as recent as XX/XX/XXXX for my account which had a balance of XXXX per my statement sent on XX/XX/XXXX with the next {$20.00} to be deducted as it has been every month for years. Thank you,
02/20/2016 Yes
  • Credit card
  • Delinquent account
  • CA
  • 94536
Web
I was sued by Discover Card ( DC ) for over {$14000.00} on XXXX/XXXX/XXXX. The balance limit was {$11000.00}, and the interest rate went from zero % to 29.99 %. I did n't owe {$14000.00} nor anything near that amount. However, my husband was ill from XXXX on so I could only pay the minimum payments and when I was short on $ for his medicines ; food ; and gas ; I would occasionally pay by credit card. The interest rate kept rising and the balance was n't getting smaller. I kept telling them my situation and that I was the only XXXX working and to please reduce my rate but DC refused. I finally had to stop making payments in XXXX so that I could pay for my husband 's medical bills. While trying to figure out how to fight the lawsuit, I XXXX XXXX " lawsuits against Discover Card '' and found the Joint Consent Order Docket # XXXX ; FDIC XXXX & XXXX XXXX. I read how DC was supposed to automatically refund their customers for the " safety products '' without anyone contacting for reimbursement or reduce the amount from amount owed. I was never notified that there was a lawsuit against DC and I was never reimbursed for the deceitful business practices by DC. I remember calling DC every month to stop charging me for these " safety products '' but they never did. Finally, when they posted that last XXXX, it put me over the limit, then they charged me an over the limit fees! Early on, DC also habitually charged late fees of {$39.00} even when I was n't late. I realize that they were doing this until after about a year of helping my mother-in-law when she passed away from XXXX. I called DC many times during my lunch break to have the late fees reimbursed. The refused. Finally, they removed 1 months worth but refused to go back to the prior year. I asked for copies of my statements that were blocked from me by DC and asked them to go back as far as XXXX. They went back to XXXX but some of the months were missing, so I still do n't know how much more they owe me. Also, every time I filed papers in court I had to pay fees ( I did n't have a lawyer because I am a widow since XXXX/XXXX/XXXX and am on a limited income ). The judge did tell me that DC had the burden of proof to show the court that I owed {$14000.00}. The court date was scheduled for XXXX/XXXX/XXXX. A week before the court date, their attorney tried to get me to sign an agreement that I would n't sue DC and not to tell anyone about the agreement, etc. I asked if DC would improve my credit report because my credit was in the toilet but their attorney was n't very encouraging. The more I thought about it, the more upset I was getting. So I contacted their attorney and told them : " DC could n't follow a Federal Court order, why would you think that they follow an agreement signed by me? I will see you in court! '' ( I did n't sign it. ) The day before the court date, their attorney e-mailed that they were dropping all charges against me and were cancelling the court date. I believe they owe me for all the safety products that I did n't ask for {$550.00} - could be more since some statements were missing ; late fees ( approximately a year worth= {$460.00} ) ; over the limit fees {$110.00} which was their own fault for charging the fees in the first place ; all the court fees I paid = {$550.00} ; not to mention the toner, postage ; paper ; and for pain and suffering for this year of XXXX that I went through - I would say whatever the maximum the court allows {$2500.00} - {$5000.00}. They never did send me the application I signed, because if they had I am pretty sure that it did not say that " someday DC will charge you 29.99 % ''. Because if it had, I would have ran straight to the shredder! I never did have my way in court so that the judge could rule in my favor! They sued me for {$14000.00} but the statements did n't show the charges! DC expected me to pay them for the next 47 years minimum payments of {$300.00} which would come to {$160000.00}!
02/21/2017 Yes
  • Bank account or service
  • Checking account
  • Making/receiving payments, sending money
  • WI
  • 53005
Web Servicemember
On XXXX/XXXX/17, initial contact was made with XXXX XXXX XXXX XXXX regarding a {$240000.00} transaction that was conducted with Discover Bank. Discover Bank contacted XXXX directly, with the us on the telephone, in regards to a transaction that had occurred on or about XXXX/XXXX/17. Discover Bank had made a withdrawal from an account in our name for {$240000.00} on XXXX/XXXX/17, as well as a withdrawal for {$1000.00} on the same date. These withdrawals were made to fund an account with Discover Bank. It was discovered by us that the {$240000.00} deposit was not in the Discover Bank account, which prompted the above telephone call. Discover Bank was claiming no fault and no knowledge of the funds ever hitting the checking account. Based on research conducted by XXXX, the {$240000.00} deposit was rejected and returned by Discover Bank. Upon speaking with Discover Bank on or about XXXX/XXXX/17, Discover Bank stated that the deposit was returned due to the XXXX account and Discover Bank account being differently titled accounts. The deposit was returned to XXXX on XXXX/XXXX/17. By this time, we had closed the originating account, and XXXX returned the deposit back to Discover based upon the fact that the account was closed here. As of XXXX/XXXX/17, the funds were returned to Discover. Discover Bank conducted research with their finance department, and they then indicated that the funds were not with them, but did not confirm what kind of research was done or what general ledger accounts were checked. This took two business days. The situation was then escalated to a manager at Discover, XXXX, as XXXX confirmed through their Operations Department that the funds were returned on XXXX/XXXX/17 and were no longer with XXXX. Based on research done by XXXX, the funds appeared to pass through XXXX XXXX XXXX, as that was the routing number attached to the original transactions form Discover Bank. XXXX escalated the issue to their Finance department yet again. On XXXX/XXXX/17, Discover contacted the us and XXXX ( XXXX ), and indicated that they were told by XXXX XXXX XXXX that they would not work with Discover Bank, and that XXXX would need to send a letter to XXXX XXXX XXXX in order to retrieve the funds. This information was provided by Discover, not XXXX XXXX XXXX. On XXXX/XXXX/17 and XXXX/XXXX/17, two separate letters were faxed to XXXX XXXX XXXX in order to retrieve the funds from the {$240000.00} transaction, as Discover Bank indicated that the funds were being held with XXXX XXXX XXXX. Based on phone calls made by XXXX to XXXX XXXX XXXX 's ACH Department and Research and Adjustment Department on XXXX/XXXX/17 and XXXX/XXXX/17, XXXX XXXX XXXX stated that there was no way to confirm that the funds were with them, and that the transaction did not appear anywhere in their system. The trace number attached to the Discover transactions was stated ( by XXXX XXXX XXXX, and a partner, XXXX which is a payment processor ) to be a XXXX transfer trace number. XXXX contacted XXXX XXXX on XXXX/XXXX/17 - XXXX XXXX confirmed with XXXX that Discover Bank purchased a portion of XXXX XXXX to use internally, and this trace number indicated that XXXX XXXX was used in the transaction internally at Discover Bank. Discover Bank was contacted on XXXX/XXXX/17 - XXXX spoke to XXXX, a Documentation Specialist Supervisor. The research conducted by XXXX was provided to Discover Bank. Upon receiving this research, Discover Bank indicated that they may not have check all general ledgers ( and may have only check their ACH ledger ), and that the issue has been escalated to upper management and is now a top priority, as not all proper general ledgers may have checked. XXXX is awaiting an update from Discover Bank at this time as to what the status of the new research request is showing. On XXXX/XXXX/2017 XXXX contacted us and Discover. Once again a new agent was assigned to assist us without any previous knowledge of the situation.
12/03/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • GA
  • 30132
Web
In XXXX of 2019 my father opened a Discover Card. He did a balance transfer from my account to his account for a shower we had to get for him because of his XXXX. The transfer went through with no problems. Well unfortunately my father passed away unexpectedly in XXXX of 2019. When we called them in XXXX to cancel his card, I told them what had happened and they said, thank you for letting us know we will take care of it. Well a couple of months later we got a letter in the mail for my Dad from Discover. It said that there was a fraudulent charge on his account. I called them and asked what it was, and I told him that I had already called and closed that account. They said just disregard that letter and it was taken care of. A couple of months later my credit card I got a fraudulent charge from Discover. My company said they were told it was a fraudulent charge. I said how can it be fraud it was approved months ago. My company said they didn't know. I contacted Discover and they told me we can't talk to you because you are not on the account. I told them, what do you mean? My father lived with us we would know if he made a fraudulent charge. To make a long story even longer we have been dealing with this for 10 months and have gotten nothing but a run around from Discover and our company. If there was an issue with the transfer, then it should have been taken care of at the time the account was opened not 4 months later. I contacted the executive offices and was told they would investigate it. They called back and said, we can't talk to you because you are not on your dad 's account. What we can tell you is that we couldn't determine that your father opened the account. I said, what, he is dead. How are you going to verify it since he is not here? They gave me no response. I am so disappointed that a family in grieving are told, yeah you are going to have to pay for this. They didn't care they used my father 's death as an excuse to not have to deal with his debt. Now about six weeks ago I get a letter addressed to my dad saying my dad has a positive amount in his account for {$6200.00}. I said well that is good because my card is negative {$6200.00}. Please send us the money so we can close out our account. They told me that it says not to release the money to the son. I said why? They said you are not on the account. I said it is my money. They said we have tried to send it to XXXX a couple of times, and they keep sending it back to us. I call XXXX and they said we don't know anything about it, we have not received a check. I call back discover and was told we will have someone contact you. That never happened. I called again and asked what happened. They said they didn't call you because you are not on the account. I said legally you can not hold on to that money. I said, what am I supposed to do now? You can't talk to me ; XXXX says you never sent them anything. What am I supposed to do? Do I wait until my credit is completely shot? How long do I stay a nice guy and keep my temper in check talking to them? I am ready to explode on them. I am so mad that this company 's customer service sucks so bad. My credit score dropped 150 points. I told my company I am not paying them a dime. Send the money back to Discover and let them deal with the debt. This is not my debt and I am not paying for it. I am tired of getting the run around. I recorded my phone conversation with Discover with the lady telling me they have a check for {$6200.00} just sitting there. I am ready to let our attorney take care of this. Like I said in plain English, if there was a problem it should have been dealt with at the time of the account being opened not 4 months later. My attorney said he has never ever heard of this happening before. A company taking advantage of someone's death as their reasons for filing fraud charges on me. My father passes away and they are now telling me I committed fraud. What a joke.
01/24/2017 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • NY
  • 13210
Web
I have been consistently misled and kept in the dark about the process of my repayment and deferment. I called XXXX on around XXXX XXXX XXXX, and was told that I would be out of deferment and able to begin repaying my loans, waving my rights for the grace period. Because of usurious interest rates of XXXX and other student lenders, I accepted. The period in which I was to wait to enter repayment lapsed, and I was not notified and remained unable to begin repayment, which I needed to refinance my loans. I called XXXX to be told I was not going to be taken out of deferment, but instead would need to send a letter to request to forego the grace period and deferment in order to begin repayment. In the meantime, I accrued interest at usurious rates. The same story happened at Discover. I called on XXXX XXXX XXXX, and was told I needed to send a letter to Discover Student Lending services to remain out of deferment because " the system fluctuates and takes people out of deferment. '' No changes on my account occurred, and I called back roughly 10 days later ( accruing well over {$100.00} in interest over that period, over {$100.00} in seven days, to be specific ). When I called to inquire about this, I was told they were waiting to take me out ( two business days after the 5 business day period I was told ) of deferment. I was told in that phone call contradictory information, i.e., that I did not need to send a letter. I called on the following Monday, and was told I did need to send a letter, and that I had n't been given false information. I was under the impression that this would be a personal letter, as the first representative stated. The representative did n't state otherwise and offered no specifics. I later called back to get specifics, only to be told to " hold '' while the representative " researched '' the policy. She returned to the phone to tell me that I needed a letter from my university requesting to forego my grace period and deferment and enter repayment. This seemed odd, given the substance of the first and second representatives ' information. I requested to speak with a supervisor, who then told me I did need to send a letter -- he later informed me of the upload feature, but only after I mentioned a lawyer. No other representative offered knowledge of an immediate upload feature. US mail would have taken additional time, and additional interest. Anyway, this supervisor told me I needed to send a personal letter -- not a letter from my university -- in order to forego grace period and deferment. I asked, " This is the fifth person I 've spoken to, and the fifth type and level of asymmetry of information I 've received. '' He said, " It 's on the website. '' I said, " Show me. '' He could n't, and after a brief hold, returned to tell me " it 's not on the website. '' I said, " Interesting. '' I then asked about the interest I 'd accrued during this week and a half run around. He misrepresented that amount, and said, " It would be 'dollars. ' '' I said, " How many 'dollars? ' '' His rejoinder : " over {$100.00}. '' I accrued over {$100.00} additional dollars in interest in " seven days, '' while they misled me and fed me false information. They did the same for four years, leading us to believe -- without any notifications -- that we would n't be accruing significant interest, burying the transparent amount over the course of years ( again, without even a courtesy call to let me know the amount I 'd accrued ). I had accrued {$30000.00} in 4 years while working toward a XXXX. Example of the lack of transparency in this period of interest accrual? I called in XXXX of XXXX, and in XXXX XXXX. In those six months, they raised my interest rates three times without so much as an email notification. These banks are not making it easier for students to pay them back, they 're making it harder to make more money. Otherwise, they 'd offer better counsel and more communication.
10/13/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • MT
  • 595XX
Web Servicemember
On XX/XX/XXXX I called Discover to make an additional payment on my credit card. I was made aware at that time the Discover arbitrarily lowered my credit limit without ever telling me. Discover actions has had a dramatic negative impact on my credit score, credit worthiness, & resulting on my debt to income ratio to rise so significantly that when I recently purchased a vehicle I was provided a ridiculously high interest rate & currently not being able to refinance because of the negative impact Discover actions took on my credit. Ever since I had both my Discover credit cards I have an excellent payment history. I never paid either card late, I always pay more than the minimal amount, & I sometimes make 2 payments during the same billing cycle. I keep getting emails from Discover thanking me for my payment history & soliciting me to refinance my home with Discover. When I spoke to XXXX, XXXX, & 1 other female representative ( didn't document her name - unprofessional unlike XXXX XXXX XXXX ) I was advised my credit line was decreased because : 1 - To many inquiries - I explained the reasons for the inquiries was because I recently purchased 2 vehicles & everyone knows that when purchasing a vehicle at a dealership the consumer is obtained by a various of lenders. 2- I was told my credit limit was reduced because of alleged late car payments from XXXX XXXX XXXX XXXX ( 4 years ago ). Note : this same reporting was available to Discover when they issued me both Discover cards, one with a credit limit of {$5500.00} & the other {$3000.00}. I explained to Discover that the XXXX XXXX XXXX reporting was incorrect and that I was going to call XXXX XXXX as soon as I finished talking to them. I called XXXX XXXX and they confirmed that the credit reporting they were providing to XXXX was incorrect and that they were going to contact XXXX & order XXXX to start reporting accurately. Furthermore, XXXX XXXX XXXX told me they were going to send me a letter regarding this situation. I called Discover back ( this is when I spoke to the female that I didn't document her name ) and informed her that XXXX XXXX confirmed they were reporting incorrectly & my XXXX credit report will be updated & that they were going to mail me a letter confirming what I spoke about with the XXXX XXXX XXXX Representative. I offered the Discover Representative to forward them the letter from XXXX XXXX XXXX XXXX she confirmed she had no interest in that letter & I also advised her why there were recent inquiries on my credit report ( purchasing 2 new vehicles ) and again she displayed no interest acknowledging and accepting that to be the fact regarding the inquiries. I am submitting my XXXX credit report that I obtained on XX/XX/XXXX the is NOTHING negative on my XXXX credit report except the XXXX XXXX account from XXXX ( AGAIN Discover GRANTED ME 2 CREDIT CARDS with negative & inaccurate reporting was reflecting on my credit report ). Discover has damaged me financially and causing me to pay high monthly interest payments because I will be unable to refinance my vehicle ( purchased this month - XXXX ) because I spoke to my Credit Union yesterday after this incident with Discover & provided the my XXXX credit report and was told I will not be approved because by the approximate {$2500.00} credit limit decrease my debt to income ration is to high. AGAIN I'VE NEVER BEEN LATE, I PAY MORE THAN THE MINIMAL & SOMETIMES MAKE 2 PAYMENTS WITHIN THE SAME BILLING CYCLE, PAYMENT HISTORY WITH DISCOVER THAT WILL NEVER SUGGES THAT I WILL NOT PAY MY DISCOVER CARD. In closing when I spoke to the 3 Discover representatives they confirmed it a computer system that makes these decisions. The first 2 understood my position and agreed based on my information that I was providing them that there is no justifiable explanation for my credit card limit decrease but the 3rd Representative didn't care since my situation doesn't effect her.
05/28/2015 Yes
  • Credit card
  • Credit determination
  • NC
  • 274XX
Web
I applied online and received instant approval for a Discover It credit card, with a credit line of {$1000.00}. The card is specifically designed for students, or as promulgated by Discover. I immediately began using my card upon receipt, making large purchases and most notably rendering large payments subsequently. The intent was show not activity and establish credit for a revolving account, rather to also show that I have income and not just max-ing the credit line and submitting minimum payments for the next six months. I am self-employed and receive financial aid from my PhD degree pursuits. Often times during my studies, there have been delays in direct deposits from the financial aid disbursements. However, albeit delayed, it 's essentially guaranteed funds. On XXXX XXXX, 2015, I made an online payment authorizing an ACH transfer from my checking account ( which is customary practice for most and had been for me ). There was an error with the bank and funds were not available. I immediately contacted Discover and advised them of the situation. Instead of assisting me with rescheduling the payment, they told me that it would continue to " hit '' my account XXXX more times. As can easily be deduced, this resulted in monetary losses for me - NSF fees charged by my bank because the account had not yet been reconciled. It 's straightforward common sense that there should be a " fail safe '' for all banks and creditors per ACH processing and the automatic recurring attempt to debit from one 's account should be ILLEGAL ... especially if the consumer immediately notifies the creditor of such uncontrollable circumstances. So not only did I pay {$100.00} to my bank, but I also immediately submitted payment of {$450.00} again to Discover as previously advised to reconcile the initial returned payment. Notably, my Discover statement instead reads that " I '' resubmitted my payment of {$450.00} XXXX times in addition to the initial payment making it appear as if I 'm the evil consumer with no intention to make good on my payments. In XXXX, a similar occurrence happened - I submitted an online payment for {$770.00} - same method, again under now the confirmation of a direct deposit notice. There was another " XXXX '' with the bank and availability of funds. I immediately contacted Discover. I did not immediately use the funds that appeared available after my payment posted. It was over a week later before even the bank or I knew what had occurred. Discover did it again. Instead of processing some form of " fail safe '' to mitigate money and other damages for all involved parties, they keep reprocessing the payment - because they say they " have permission '' from the laws of the land to reprocess an ACH debit up to XXXX times at their own discretion. This is " the part '' that never ceases to amaze me with would-be intelligent people and viable companies - since when did " discretion '' not include ethics and common sense. If the consumer ( ME ) has informed you immediately of a problem, why would anyone or any company of sound mind keep reprocessing the payment. It appears, be legal premise, that intent is established, and the motive is evidenced thereby as well - to retaliate by inflicting harm to the consumer. It would make more sense to immediately initiate the " fail safe '' to protect all parties, allow the consumer to reprocess the payment when all is clear ( and of course in a reasonable time frame ), and monitor the account for reconciliation. But I reckon that 'd be too much like ethical. And I learned a long time ago in XXXX that ethics is NOT central to the body of law, and corporate bigwigs love to use legal loopholes as scapegoats for any responsibility for their role in the " snafu. '' I 've made XXXX large payments of {$200.00}, {$450.00}, {$450.00}, and successfully so in less than a 60 days. Ultimately, Discover closed my account due to unsatisfactory payment history.
05/25/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60640
Web Older American
This complaint concerns my Discover 1 credit card and an unauthorized charge of {$250.00} made to a CLOSED credit card account on XX/XX/2021, and then, without informing me, was transferred to my current open Discover account. I immediately contacted Discover to dispute the charge, and they re-edited my account and supposedly stated an investigation. However, when they contacted the billing agency, they were told that the agent indeed had the CLOSED account information and the administrator mis-informed Discover that they had requested permission for use of that account for recurring charges, which was untrue. But, Discover restored the original unauthorized charge to my account balance and added interest for the period of time from the initial complaint to the next months bill. When I contacted them to dispute their action, Discover told me that I had to obtain a letter from the billing agency admitting to the unauthorized nature of the charge and they would then remove the re-instated charge and associated interest. I obtained such a letter ( attachment # 1 ) from the billing agent, who admitted that she had recently taken over billing for the association and had just assumed that authorization for recurrent billing had been obtained by the organization. Discover refused to accept a digital copy of the letter admitting the error from the Billing agency, so I had to mail it via the USPS to their Delaware offices, even though Discovers headquarters are in suburban XXXX. Since I heard nothing in response to the documentation requested, I called regularly and after many hours of being transferred to people who claimed they were not in the proper Department, many hang-ups, and hours waiting to be transferred, all the while they kept the charge and added additional interest each month during the period they were supposedly investigating. Finally, after more than 60 days after they received the first letter documentation, the person I finally reached who would tell me something, told me that since the biller hadnt indicated the $ amount of the unauthorized charge, my documentation was incomplete and no investigation had been done by them. Totally frustrated, I recontacted the billing agency, where the woman told me that the monies had been withdrawn by Discover in XXXX, and she provided me now with a more detailed letter about the refund to Discover and a copy of a letter from the charge processing service also stating that the monies had been refunded to Discover in mid-XXXX. By now, it is early XXXX, and Ive been charged increasing interest on the disputed charge on at least 3 monthly bills ( I continued to pay Discover the full authorized balance due each month ). These letters ( attachment 2 ) were mailed to Discover on XX/XX/2021, and I was promised a call back within 5-8 working days, but never received any communication. So, I started calling Discover again, each time asking for a Billings Dispute Supervisor, as no one else would help me. After 5 calls totaling 10-12 additional hours of waiting, dropped transfers and wrong Department connections, I finally got a Supervisor today XXXX XXXX ) who put me on hold for 30 minutes to review my complaint # XXXX ( apparently for the 1st time ), and she finally admitted that my last set of documentation was complete and adequate, and she would credit me back the original unauthorized amount of {$250.00}, but she refused to credit me any of the $ XXXX in interest charged over the 5 month period on this disputed amount. When I asked to speak to someone above her who could authorize the interest refund, she hung up on me. Then, in this afternoons USPS mail, I received a letter from Discover ( attachment 3 ), dated XX/XX/XXXX, stating that Discover had reviewed my additional documentation and had rejected it, recharged my account for the full unauthorized amount plus interest and reported that decision to all four credit report bureaus!
10/10/2015 Yes
  • Credit card
  • Credit line increase/decrease
  • MI
  • 490XX
Web
The history : I have been a loyal Discover Card customer since XX/XX/XXXX ( 9 years ). My spending behavior is I normally charge up the card near its credit line and pay the balance off, in full, within six months. This has been true for the last four years. I have high balances on other credit cards, but have never missed a payment with them. My credit score is just over XXXX. What happened : I made a nearly {$11000.00} payment XX/XX/XXXX to pay my full balance, again this is common behavior ; just in XXXX of this year I made a {$7000.00} payment in full. We were doing a lot of immediate spending as we had a zero percent offer on new purchases. We logged into our credit card account on our mobile app to find that on XX/XX/XXXX we were some {$500.00} over our credit line, but our balance was only {$4300.00}. How could this be when we had an {$11000.00} credit line? Turns out, Discover reduced our credit line from {$11000.00} to {$3800.00} after our {$11000.00} payment without even telling us. We immediately called customer service and they upped our credit line to {$4500.00} so that we would no longer be over our limit since they allowed the spending to happen after reducing our credit line. How generous of them. We asked to have our credit line restored to the {$11000.00}. They said that based on my soft credit pull I was at 94 % of my available credit card limits for all of my cards, and I had recent credit inquiries from three months ago so based on that information they would not restore my credit line, nor increase it from my {$4500.00} limit. Never mind the fact that if Discover Card reported my {$11000.00} payment ( thus {$11000.00} lower balance ) then I would be at 74 % of my available credit limits with my credit cards. Instead they dropped my line to keep me at 94 %. I escalated the matter and received a callback on XX/XX/XXXX from the credit department manager, XXXX. I was irritated about the situation but was respectful throughout the conversation, which is more than I can say about that manager. XXXX kept cutting me off midsentence, kept repeating herself instead of answering my questions, and simply refused to listen to what I was trying to tell her. I explained we had been customers for 9 years and are going to close our account if we can not come up with a solution. She did not care the slightest of our relationship with the company. I asked her if she understands that without customers to serve, she would be out of a job? But apparently Discover is too big for XXXX to care about XXXX customer. At this point I was not even trying to restore our credit line, but asked out of a good relationship that they extend the limit by some amount, {$2000.00} perhaps, just to keep me happy and keep my business. All throughout XXXX kept up her unprofessional attitude cutting me off and belittling me. I asked her if the phone call was being recorded and she conveniently said it was not. I asked to speak to her supervisor ; she said she was the top of the line. I told XXXX that her behavior towards me as a customer was unacceptable and I was going to report it to her. Then she became nice all of a sudden and said she would gladly forward my request to speak with her supervisor, who is XXXX XXXX. XXXX XXXX called me the following day, but I was not able to take her call. She left a message saying she was out of town and would try me the following week. It 's been four weeks since her first call and I am still waiting for a callback. I just called Discover customer service and had them email XXXX XXXX asking her to follow up with me. So what can we do : My car needs new tires, we have a {$2000.00} medical bill to pay ( and growing ), and I need {$1000.00} work done at the dentist 's office. We have no savings and discover card chopped our credit line by {$8000.00} after we did the responsible thing of paying the balance we owed. We are now in a bind thanks to Discover.
09/24/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • OH
  • 445XX
Web
COMPANIES RESPONSE STILL DENYING ME SPECIAL ACCOMODATIONS REQUEST... TO UPLOAD DOCUMENTS HERE. STILL DEMANDING FOR BANK XXXX NOTARY TO NOTARIZE BANKING STATEMENTS FOR THREE MONTHS ... ALONG WITH ID. NO XXXX BRANCH IS LOCAL. I HAVE NO PROBLEM UPLOADING DOCUMENTS HERE .... IM XXXX... I DONT DRIVE YOU ARE IGNORING SPECIAL ACCOMODATIONS REQUEST FOR MY PHYSICAL XXXX AND NOW FORCING ME TO TAKE CABS EVERYWHERE FOR XXXX NOTARY WHICH THEY DO NOT HAVE LOCAL BRANCH .... TO NOTARIZE MY 3 MONTHS WORTH OF BANK STATEMENTS ALONG WITH ID .... AS WELL AS DISREGARDING MY XXXX XXXX BECAUSE I HAVE INFORMED YOU IN WRITING I HAVE A BAD XXXX AND XXXX AND CAB COMPANIES ARE PLACING UNLAWFUL DEMANDS FOR PEOPLE TO WEAR A MASK... OR YOU CAN NOT RIDE. I HAVE HAD TO RESORT TO ONLINE GROCERY SHOPPING DUE TO THIS. THEN YOU HAVE MADE SURE TO STRING THIS ALONG ... AND STILL DEMANDING EVERYTHING BY XX/XX/2021 AND STILL MAKING INACCURATE STATEMENTS THAT I HAVE NOT FILLED OUT THE IRS FORM EVEN THOUGH I HAVE SUBMITTED PROOF THAT NOW I HAVE FILLED THIS OUT TWICE... AND SUBMITTED ... AND UPLOADED PROOF.. Dear XXXX XXXX XXXX, We are in receipt of your recent correspondence to the Consumer Financial Protection Bureau. To ensure your concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within Discover. We appreciate you bringing your concerns to our attention regarding the status and verification process of your above referenced Discover card account. Discover conducts regular reviews to evaluate our customers accounts. On XX/XX/2021, a transaction authorizations hold was placed on your account and our XXXX XXXX XXXX department emailed you an Internal Revenue Service Income Verification 4506 form and the process for its completion and review. On XX/XX/2021, the Internal Revenue Service rejected the 4506 form. In an effort to assist you regarding this matter, on XX/XX/2021, an Enhanced Verification Notarized form was sent to you via email in order to complete the verification process. Please note, this form with all required steps and requested documentation including the completed 4506 form and 3 most recent months of bank statements, must be uploaded at XXXX, faxed to ( XXXX ) XXXX, or mailed and postmarked to Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, by XX/XX/2021, otherwise your account will be closed to further transactions. I have also enclosed a copy of the Enhanced Verification Notarized form for your reference. We regret any inconvenience this matter may have caused you, and we have forwarded your concerns and experience as you have detailed in your correspondence to the CFPB to leadership in the appropriate area. Thank you for allowing me the opportunity to be of service. If you require additional assistance in this regard, please feel free to contact me at ( XXXX ) XXXX, Monday through Friday, from XXXX XXXX to XXXX XXXX., ET. Sincerely, XXXX XXXX. Executive Office of Customer Advocacy Enclosure CC : Consumer Financial Protection Bureau I WILL UPLOAD BANK STATEMENTS HERE .... I WILL BLACK OUT EVERYTHING EXCEPT FOR MY NAME ADDRESS AND 3 MONTHS WORTH BEARING THREE MONTHS ... .WORTH OF BANK STATEMENTS... AND I WILL UPLOAD ID AGAIN SO YOU CAN STRING THIS ALONG SOME MORE SO YOU CAN CLOSE MY ACCOUNT UNDER THE GUISE OF ME NOT COMPLYING OR THAT I REFUSED TO SUBMIT DOCUMENTS.. WHILE THIS WHOLE TIME HAVE MADE MANY INACCURATE STATEMENTS.. AGAIN THANK YOU FOR KEEP DENYING ME SPECIAL ACCOMODATIONS REQUEST. AND AGAIN THANK YOU FOR TRYING TO PUT MY HEALTH AND LIFE AT RISK FOR TRYING TO DEMAND ME TO GO OUT HAVING TO WEAR A MASK WHEN I HAVE ADVISED YOU NUMEROUS TIMES IN WRITING I HAVE A BAD XXXX AND XXXX. AND THANK YOU FOR TRYING TO DEMAND THAT I WILL ALSO HAVE TO TAKE A CAB EVERYWHERE WHEN I HAVE ALSO ADVISED YOU I CAN NOT FINSNCIALLY AFFORD TO DO THIS..BEING ON XXXX. THANK YOU. XXXX XXXX
12/26/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 93405
Web
I want to file a complaint on my credit card Discover for being dishonest and for not following through with how they were going to help me a Bait & Switch merchant ; they ( Discover Card ) basically conned and lied to me. I called and made a dispute on a television to Discover that I decline to accept when I got a receipt on free shipping I made online through a merchant but 2 hours later I got a call from the TV merchant they wanted to add {$380.00} more for shipping, I said cancel order right now and they would not but they call me ( the merchant ) to ask if I would approve to {$380.00} I said no but I called Discover Card to report the matter that I declined a TV purchase as I provided them a receipt stating I had the actual price on the item and not the price I was charge on my Discover card. Discover said ok, well investigate the matter and they appeared to believe I was telling them the truth but 2 weeks later, I look on my Discover account ( as Discover never notify me too ) and noticed they reverse the charge back on my account. They said I agreed to the charge and I said no I didnt, I send read the receipt, it says free shipping and I said I decline to accept order to the merchant but Discover said this and that but then they denied me they said they would step in to go after shipping fees and or trying to return the item since I gave them information they stated on the merchants website, they would take returns on a certain size ( Discover lied and didnt ) and they also told me that since I was unhappy with the outcome, they would give me a courtesy credit of {$500.00} ( Discover lied on that too ) Discover said we could call the merchant to ask them to take the TV back as I said they have information on their site stating but Discover card didnt do that either. I found it interesting when I spoke to the first person who took my information over the phone on my dispute and 2 weeks later, I spoke to another Discover claims person who wasnt helpful nor would she read the notes on my dispute to admit what the first Discover dispute person told me otherwise. The woman was basically denying me everything on my case and said we could offer you {$500.00} since your unhappy with Discovers decision but I never got the either. I reputably told the second woman at Discover that I said I dont think you understand what the case was told to me 2 weeks before, what Discover was going to do on this matter and your telling me a different story, I said read the notes. She said she did but was telling me a whole new story that if I had more evidence and we are not going to that the shipping fees into account either we promised you ; it was like I was being lied to the whole time. Discover had ignored the facts in my dispute that I canceled an order from a merchant who has a horrible customer rating online as I told Discover, read the facts I send on my case, I provided all the information on hundreds of 1-star reviews of people being ripped off etc etc besides my receipts, shipping label and emails I had on file. What I want is a complete refund, I was completely mistreated by Discover card disputes department but also lied to by their people on what they were going to do, they didnt do. Seriously, why would I use my credit card for protection on this matter, I thought I had confidence Discover would be there for me if I had a problem with the merchant but in this matter, Discover was not help and in fact I think they wanted the merchant to get their money so Discover could get interests from my credit for example because they had the facts right in front of them, plain and simple but they mislead me. On top of this matter, I am ready all the online reviews on Discover and its all negative information so its my view I am dealing with a credit card that mistreats their customers on so many matters that I have a reason to file my complaints because I am not alone on this matter.
09/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • GA
  • 30022
Web Servicemember
Discover Card is Blocking me from Activating my Approved Card after negatively impacting my Credit Scores on XX/XX/2022 and sending False Advertisement Emails which appears as if you can activate the approved card, however, the online system is Nott allowing me to Activate my approved Discover Credit Card online or via the XXXX number, unless I sign a 4506-T form to turn over my Tax Transcripts! This is completely a " Bait and Switch '' tactic. I also called back the representative who claim the initial Claim I submitted to CFPB was being reviewed and to reach out to his direct Customer Advocacy line, however, I receive ZERO response when I attempted to reach out and also left him a Voice mail as well. I am now not being allowed to Activate my Approved Discover Credit Card because I did not agree to sign a release of a 4506-T sent by XXXX to Release my Tax Transcripts!!!! The Prior submittal consisted of the following content : " I recently applied for Discover Card on Wednesday - XX/XX/XXXX at XXXX and received an Approval Notification stating that I would receive my card within 5-7 Business Days and was Congratulated on the Offer. However, I then received a " bait and switch '' notice on Saturday - XX/XX/XXXX requesting a copy of my Tax Transcripts which Discover Card had XXXX ( XXXX XXXX XXXX ) send to my email requesting that I submit a Form 4506-T, after they had approved my Credit on XX/XX/2022. Also, my scores took a negative hit on XX/XX/XXXX, after applying for the Discover Rewards Card. Also, this a Discriminatory Practice against XXXX XXXX XXXX who are heavily and unnecessarily scrutinized for applying for a Discover Credit Card. This request was very biased and subjective with their random requests. This is an issue because Discover has already verified my Credit and identified other open lines with major companies. So, the " bait and switch '' is an illegal discriminatory practice targeted heavily towards XXXX XXXX XXXX. There are other ways to verify a customer versus requesting your Tax Transcripts via a 4506-T Form they forced XXXX to send out as their 3rd Party Vendor who has also been sued for Security Breach issues as well. When I called Discover Card on XX/XX/XXXX, after receiving this outrageous and outlandish request which also alludes to FALSE Advertisement and Misrepresentation when applying for Credit that was approved on XX/XX/XXXX, I was threatened by the Customer Service Representative and Discover Card that if I did not turn over my Last 2 Years Tax Transcripts, they would Cancel the card which was enroute and I would not be able to utilize the card. After, I informed them that I would not turn over my Tax Transcripts, based on this biased and blatantly Discriminatory practice which also evades and violates my privacy as U.S.Citizen, XXXX XXXX XXXX Female, and U.S. Veteran, they threatened me again and said they would Close my account, after they had already approved the account on XX/XX/2022. Bait and Switch is against the Law. I only applied to receive a Credit Card and have never had a Credit Card Company request your IRS Tax Transcripts. This is also a typical Stereotype that Discover Card Financial Services has towards XXXX XXXX XXXX - implying we don't trust you or believe you are eligible to receive this card, so prove it! '' This Stereotypical behavior is also Biased, XXXX, and XXXX. I received the Card and can not use it unless I turn over my Tax Transcripts or the Creditor Discover Financial Services has threatened to Close the account which would further Negatively Impact my Credit Score. This is Wrong and Illegal. You have Negatively impacted me already on XX/XX/2022, after I applied for the Credit and now you want to Negatively Impact a XXXX XXXX XXXX Female who has stated " No, I am not turning over 2 years or any year of my Tax Transcripts to Discover Card for a Credit Card that was already approved on XX/XX/2022. ''
06/08/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • WV
  • XXXXX
Web Older American
Around XX/XX/2018 I received a letter from Discover Card stating that a disputed amount of XXXX from XXXX has been ruled in my favor. A few days later, Discover Card sent me another letter stating that a charge of XXXX was being charged to me from the same company that I had a dispute with for XXXX. I immediately phoned Discover Card and spoke to a supervisor named XXXX and after an hour of trying to get her to understand that the second charge that showed up on another statement was not a new charge but a final payment of the original charge of the vacation that I did not make, book, commit, or reserved, etc but was created for me by XXXX for a total of over 14000.00. It took me an hour for her to stop spouting Discover card policies but to get her to listen to the fact that XXXX broke the payment into two separate transactions because they know how credit card companies policies look at these things. Discover card should have looked at my account in the first place and flagged my account for excessive travel agencies charges that went over my account limit but it was not. Discover card has blocked my account in the past for me being on vacation in the XXXX XXXX area buying tshirts but when an overseas company charges me an outrageous amount by two separate companies that are probably owned by the same corporation Discover card did nothing. In speaking with XXXX after an hour conversation she did say she would dispute the amount and ask for charges which XXXX has never provided them in the first place. Secondly, why would I not pay a small amount of XXXX to XXXX and refute the second charge from the same company of XXXX? I repeatedly told XXXX I did not even know I had a vacation created for me because XXXX did not notify me of airline information, or room info, etc. I received nothing from XXXX only a bill that showed me I had a fraudulent charge on my account. I received a phone call from a representative from XXXX named XXXX that was told to cancel this so called vacation in my name and according to XXXX I purchased travel insurance. So in actually, since I knew nothing about this vacation I was a NO SHOW according to XXXX. Discover if they had flagged my account for possible fraudulent charges I would have known sooner and might not have ended up in this mess. Discover has let me down as a customer with a history of a high FICA score and a high credit balance. Discover if they had taken the time to review my account would have seen that I have never disputed anything but have paid in full and 99 % of the time I was not late. XXXX accused me of deleting emails from XXXX, or even putting them in my junk folder. If I had made this vacation I would have wanted to keep these emails not delete them or junk them. And, 25 days after I spoke with my husband about going to the area and we picked a time we could go on vacation together we made a choice with XXXX that was acceptable to us and our budget. But do to an illness I had to cancel with XXXX who immediatley began to refund my charges. Of which, I had paid Discover for and was being shown as a credit on my account but some person in Discover saw the credit and paid the amount of XXXX which was in dispute. At no time did I get any emails from Discover except for the last dispute I put on the XXXX. I was notified by Discover that it was being disputed. The total I am being charged is over 14000.00. It was broken up into two separate charges on two different billings. Discover considered this as a separate charge which make no sense since I was disputing the original charge of XXXX from XXXX and which was ruled in my favor. If XXXX was ruled in my favor than Discover had to honor the fact that the other amount of XXXX is not a new charge but the second payment charged to my account from XXXX. Discover needs to change it's policies so that they so not find their selves or their customers in this situation again.
04/29/2016 Yes
  • Credit card
  • Closing/Cancelling account
  • CA
  • 91763
Web
Summary : Discover Card closes account on first-class, long-term customer with excellent FICO score, for simply having " inactivity '' on account. I have had my Discover Card in question since 1995 ( 21 years ). I not only have an excellent history directly with Discover, but also have a very high FICO score which recently ranges from XXXX to XXXX ( with XXXX max ). On or about XXXX XXXX, I received a letter from Discover informing me that my account was suspended and would be closed within 30 days. The letter states that the closure was due to " Inactivity on your account. '' I then tried to use my credit card for a purchase, but the card was denied in the system, per the merchant. On XXXX XXXX and on XXXX XXXX, I spoke to a Supervisor using the card 's normal customer service phone number ; neither could assist to re-instate the card. Through online research conducted on my own, I found that Discover had a department called the " Executive Office of Customer Advocacy. '' I thought this dept would handle my concern in a more " independent '' manner, but I was mistaken. My assigned rep in this dept was XXXX XXXX. I explained to XXXX XXXX, that I thought I was being treated in an unjust manner as a long-term customer of Discover. For someone to have their account closed without any recourse, for simply not having any recent activity seemed unfair and silly. This has happened before, with other credit cards I own, and with all other credit card companies they have immediately allowed the card to be re-instated. One of my major concerns is that Discover 's action to close my account actually hurts my excellent credit score/history. This was not only explained in detail to the two supervisors that I had conversation with, but also with XXXX XXXX. By closing my account with 21 active years, this hurts the " length of credit history '' aspect of my credit score. Also, by closing my account with a credit limit of {$12000.00} this also hurts my credit score ; because a person 's total amount owed ( on all accounts ) is compared to your overall credit limits on hand. The two supervisors and XXXX XXXX, danced around this issue, and said they could not answer to this concern because they were not a " credit analyst. '' This is very basic credit/FICO information, and knowledge that anyone in their ( elevated ) positions should understand. ( The irony is that Discover 's widely advertised free ability to show MY credit score on my statement, will now reflect a lower credit score, due to them. ) XXXX XXXX promised to call me back within a short period of time. She never did. In my initial call with her, I explicitly informed her that it was OK to leave a voice mail. After about 13 days or so, I called her and she said that she had attempted to call me. I do not believe she was being honest with me. She then told me over the phone that Discover could not re-instate my account, and that she also sent me a letter stating the same. I had various questions for XXXX XXXX, but instead she gave me vague answers. Most of her responses had little to no connection to the actual questions I was asking. Instead of talking to me as a human being, she danced around the entire topic and conducted herself more like a high-class lawyer. This was a huge disappointment to me. In conclusion, I am just shocked that Discover Card would treat a customer in this fashion. There is nothing " negative '' that I have done wrong. Actually, in my opinion, I would describe the way I have conducted my financial affairs throughout my entire life as near-perfect. I have always treated my credit history and score in a very serious manner. Most credit card companies desire to find and hold customers with excellent credit, but instead Discover rejects individuals like me. For Discover to hurt me and others for simple " inactivity on account '' seems to be not only unfair, but unethical and unprofessional.
04/15/2016 Yes
  • Credit card
  • Rewards
  • FL
  • 34677
Web
I participated in the promotion that Discover ran in the end of 2015. They promised to give 10 % back for all purchases made using XXXX. I personally invested more than {$500.00} into XXXX phone just to participate in this promotion. I made XXXX purchases using XXXX on my Discover card ending XXXX and XXXX purchases using XXXX on my Discover card ending XXXX. However, only XXXX transactions on card ending XXXX and XXXX transactions on card ending XXXX have earned 10 % cashback. Later I received emails from Discover stating that some of my transactions contained gift card purchases ( without any proof for that statement ) and asking me to submit receipts in order to get 10 % cashback for non-giftcard portions. It was never required by Terms and Conditions that the customer must keep all receipts from stores in order to get cashback, so obviously I did n't keep them. Transactions that have not received any cashback are : from card ending XXXX : XXXX/XXXX/15 XXXX {$500.00} XXXX/XXXX/15 XXXX XXXX {$500.00} XXXX/XXXX/15 XXXX {$1000.00} XXXX/XXXX/15 XXXX {$500.00} XXXX/XXXX/15 XXXX {$1000.00} XXXX/XXXX/15 XXXX {$490.00} XXXX/XXXX/15 XXXX XXXX {$470.00} XXXX/XXXX/15 XXXX XXXX {$310.00} from card ending XXXX : XXXX/XXXX/15 XXXX {$570.00} XXXX/XXXX/15 XXXX {$500.00} XXXX/XXXX/15 XXXX {$500.00} XXXX/XXXX/15 XXXX {$500.00} XXXX/XXXX/15 XXXX XXXX {$500.00} XXXX/XXXX/15 XXXX {$490.00} XXXX/XXXX/15 XXXX {$410.00} XXXX/XXXX/15 XXXX {$500.00} XXXX/XXXX/15 XXXX XXXX {$240.00} XXXX/XXXX/15 XXXX XXXX {$230.00} I believe that Discover has engaged in unfair practices by imposing " burdensome requirements '' on consumers in connection with its suggestion that receipts need to be submitted in order to claim the rewards offered under the promotion. The terms and conditions governing the Discover promotion in question have never outwardly stated that the consumer needed to keep receipts. This promotion is referenced on Discover 's website : under the XXXX FAQ section of Discover 's website. The relevant details are under the " Earn Rewards '' section : " What are the details for the 10 % Cashback Bonus ( R ) promotion? Cashback Bonus Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX/XXXX/15. Excludes gift card purchases. No sign up needed. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within XXXX billing periods. See Cashback Bonus Program Terms and Conditions for more information. '' https : //www.discover.com/credit-card XXXX : //www.discover.com/credit-card ... -it-miles.html THE PERVASIVE NATURE OF THE PROBLEM The gift card exclusion was added several days after the promotion was launched ( unfair and deceptive practice ) Discover is now blanket rejecting purchases above a certain amount Discover is requiring customers to retain receipts Discover does not have the requirement to keep receipts in the Terms and Conditions governing the promotion This is a blatant attack on consumer privacy The burden of proof is shifted to the consumer, instead of the credit card company If Discover wants to exclude gift cards, they need to do it accurately and automatically, without the need of receipts being sent into Discover. Discovers actions are Unfair, Deceptive and Abusive under XXXX XXXX XXXX XXXX defines an " unfair '' act or practice as follows : The act or practice causes or is likely to cause substantial injury to consumers. The injury is not reasonably avoidable by consumers. The injury is not outweighed by countervailing benefits to consumers or to competition. Section XXXX outlines deceptive. The Bureau 's articulation of " deceptive '' follows the FTC 's ; beginning with the inclusion not only of acts or practices but also representations and omissions. There is not just an obligation to avoid lying ( which Discover is clearly doing
06/19/2015 Yes
  • Credit card
  • Billing disputes
  • OH
  • 44146
Web
XXXX XXXX, XXXX, my husband and I entered into a written contract to purchase XXXX vehicles from XXXX XXXX XXXX for the trade of XXXX vehicles and {$4000.00}. It was specifically discussed and agreed that the {$4000.00} was to go to the payment of the negative equity ( difference between the trade-in value and car loan balance ) on the XXXX XXXX XXXX. Vehicles to be purchased : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Vehicles to be traded : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX Passport. XXXX advised they were unable to locate the specific XXXX XXXX that we wanted, so they asked to change the vehicle to a XXXX XXXX XXXX XXXX in its place. They further stated that no other terms of the agreement were going to change, only the vehicle. All parties agreed. XXXX XXXX, XXXX, we went to pick up the vehicles. Once there we were told that the wrong color vehicle was ordered for myself. They would continue searching for me a vehicle, however, my husband 's vehicles were there so they wanted him to accept delivery of the XXXX of the XXXX vehicles that day. My husband stated that he was not comfortable taking his XXXX vehicles before my vehicle was there. XXXX XXXX XXXX assured us that nothing was going to change in the deal. So my husband reluctantly agreed to take delivery of XXXX of the XXXX promised vehicles. While signing the paperwork, my husband noticed that XXXX of the trades and the entire {$4000.00} was applied to his XXXX purchases instead of what was originally agreed to. We were told that it was necessary for them to change the numbers around so that they could get more rebates from the manufacturer. But they again promised, that there would be NO negative equity applied to the XXXX XXXX XXXX purchase. Reluctantly, my husband signed the paperwork and took delivery of XXXX of the XXXX promised vehicles. XXXX XXXX, XXXX, I went to the dealership to complete the deal, only to find out that negative equity had been added back into the new loan payment, which is NOT what was agreed upon. Since the terms did change, I refused the delivery of the XXXX vehicle. I attempted to work with the dealership for a resolution. The dealership refused to refund the {$4000.00} and also refused to deliver the XXXX XXXX XXXX under the terms that had been agreed upon. XXXX XXXX, I contacted Discover to initiate a dispute of the XXXX {$2000.00} charges from XXXX XXXX XXXX due to breach of contract and non-delivery of merchandise as agreed. Discover card assigned XXXX dispute numbers to the transactions. That same day, I faxed a detailed letter explaining the dispute, along with XXXX other pages of proof showing the transaction was not completed as agreed. XXXX : Discover added {$4000.00} back to balance, XXXX XXXX XXXX sent copy of receipt as " proof '' money was due on XXXX XXXX and XXXX XXXX purchases, disputed XXXX : Uploaded to Discover more paperwork demanding a refund from XXXX of XXXX or completion of XXXX, and XXXX, and XXXX : Uploaded more paperwork showing their refusal to refund money, even though they admitted the {$4000.00} was supposed to go to the sale of the XXXX vehicle which had not taken place. XXXX of XXXX refused to complete the transaction. XXXX disputed the {$4000.00} being added back to the credit card XXXX : Discover sent letter that dispute is under final review and to send any final XXXX : Uploaded proof proposed vehicle not in inventory XXXX : Uploaded proof XXXX car purchased from completely different dealership and {$4000.00} paid to them for negative equity of XXXX XXXX XXXX XXXX : {$4000.00} added back to balance. Called Discover to report credit card fraud. Card # changed and dispute reopened-Called XXXX, XXXX, XXXX, XXXX, XXXX. Told even though the deal was n't complete, and they admitted they did n't do what was agreed upon, its our problem should n't have signed receipt
02/18/2017 Yes
  • Credit card
  • Customer service / Customer relations
  • DE
  • XXXXX
Web
Customer support & lending practices from Discover are questionable, if not unethical. Ten months ago, I opened a secured card & was provided information that after 7 months, I would be reviewed to see if my deposit could be returned & graduated to a Discover It card that would not require the secured deposit. Despite a well maintained financial history in terms of paying off card balances prior to the end of the billing cycle, often more than once a month, approval for other cards at a much higher limit ( not secured to start ), consistent payment on bills & mortgage, & having a well funded savings account, I was consistently not approved. After multiple phone calls to the company, the issue is still not resolved. The phone call prior to today ended with Discover acknowledging that they had " missed '' information regarding the length of my account. I had spoken to a gentleman who said I would be reviewed again that day & should receive a call. Today 's phone call revealed that deceitful information was conveyed on both actions to be taken & to whom I was speaking. I was transferred to multiple people who were unable to provide accurate account details. For example, I was told I was being transferred to a Manager of the secure department, but when speaking with that person, they said they would pass me on to a manager in the secure department because they were only a supervisor of customer service. Placed on a lengthy hold multiple times, resulted in me having further conversations with the same person who said she had " answers. '' She only was able to tell me, inaccurately, that the account was n't yet at the 7th month mark ( we are now at 10 ) & that I had XXXX accounts with them. I had reported fraud on my card a few months back, but was never advised it would cause XXXX accounts to be opened. If closing that account without my permission has caused this difficulty, that is a problem on its own. I am also concerned about the consistent jostling back & forth from a financial institution that I am supposed to trust. In addition, they are also holding the deposit without any reasonable explanation why I have not been able to be upgraded to the non-secured card. It is wholly unacceptable that I would be able to obtain a mortgage, open other cards, & have strong payment history, but not be able to have an unsecured card, even with a low amount, without the company being able to justify the reason. Other than discriminatory lending practices, it is hard to believe that there is an explanation as to why this is happening. No one at the company seems to be willing to provide an answer or a solution. In addition, I have been mislead by 2 of the 3 support representatives I spoke with today regarding who they spoke with to get answers regarding my situation ; after I asked to speak with that manger, she was not able to do so & claimed that the person left. This in itself was suspicious, due to the fact that it was a matter of minutes, in the middle of the half hour. The third representative, a cust. service trainer ( who was also misidentified by the person who transferred me to her ), clearly identified to me that in fact, there was no managers on duty at all today. This third person, who I was told would be able to solve my problem, was unable to provide me with any additional information. She stated she would call back when someone else, a manager from the secured credit card department. At the end of the call with the last person, a request was made for ID numbers of the employees ; it was revealed that the employee previously spoken to, who gave ID numbers, would have no way to access any ID numbers ( thus, info provided was made up ). As I have worked diligently to maintain steady financials, a solid credit score & well founded credit history, it is unethical to have been lied to in such a maliciously deceitful manner. Can provide call recording.
03/21/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • CT
  • XXXXX
Web
Sometime in early XX/XX/XXXX, Discover Student Loans announced that all loans that had originated with Discover that was currently being serviced by XXXX XXXX, would be moved back over to Discover for loan administration. The actual transfer occurred in mid-XX/XX/XXXX. Sometime shortly after the loans were transferred back to Discover, I checked on the balances of the loans to confirm that my personal records were aligned with the records of the loan administrator ( Discover ). For the most part, all loan balances tied out fine. However, the one loan in question showed a small difference. When the initial loan disbursement minus all the principle payments plus any accrued interest was added together, it did not equal the loan balance that Discover claimed was the actual loan balance. I called Discover approximately onXX/XX/XXXX to inquire about this difference. The representative understood my issue and confirmed what I was seeing and opened a ticket. She had indicated to me that someone would get back to me in 5-7 business days ( as I recall ). Sometime around the XX/XX/XXXX I made a second call to inquire why I had not heard anything nor why the loan balance was not corrected. I was told I misunderstood the time-frame and someone would get back to me by Friday, XX/XX/XXXX. They could see the ticket was still in progress. Friday came and went and there was no contact and the balance was not corrected. I called again ( this is the third time ) on Sunday XX/XX/XXXX. I re-explained the issue to the representative I spoke to, but at this time I was getting rather frustrated. I insisted on receiving a call back from someone. After not hearing anything on Monday or Tuesday, I called Discover for a 4th time and immediately asked for a supervisor. I spoke with XXXX ( from XXXX, I believe ) on Tuesday evening ( XX/XX/XXXX ) roughly XXXX eastern time. I reexplained the problem. XXXX walked through the issue with me and noticed there was a correction to be posted of {$1.00}. This was the difference that I showed as well. I was relieved the issue would be resolved. She indicated the transaction would post the next day and it should be corrected ( she did indicate this would correct my balance ). On Wednesday, XX/XX/XXXX, I logged in to check the balance and it was STILL INCORRECT. The transaction XXXX had referred to did post, but it posted as interest, therefore not having any effect on the loan balance. I called in AGAIN ( try # 5 ) and spoke with XXXX from XXXX. XXXX initially had indicated to me that I did not understand exactly how the interest accrues. While I did not indicate this to XXXX, I have been a XXXX XXXX for over 30 years. I know how interest accrues. I tried to walk XXXX through the transactions, but he came back and told me that, " there are several back office transactions that are not visible to you ''. All transactions should be transparent and visible to the consumer. This is what initiated my filing this complaint with the CFPB. In the end, when I take the opening balance and subtract the subsequent PRINCIPLE payments ( as displayed on the Discover Loan website ), and add back any accrued interest to date, it DOES NOT EQUAL the loan balance that Discover explains is on this loan. In my mind, ANY transaction that affects the balance on my account should be visible to me. He said he would send me a transaction summary and that would take 2-3 weeks ( the first person indicated that as well and I have yet to receive anything ). He also communicated to me that " this is how our system works ''. I have personally NEVER come across another system that has transactions NOT VISIBLE to the ACCOUNT OWNER. While the difference is small, this is not a monetary complaint. The issue to me is that the website information is incorrect and there is not full transparency to me on all the transactions. I view this as a much more serious issue.
07/06/2015 Yes
  • Credit card
  • Delinquent account
  • FL
  • 334XX
Web Servicemember
In reference to my Discover card, having been a loyal customer for XXXX years with only XXXX different accounts all the while and never having a bill unpaid. When my credit card was used fraudulently, XX/XX/XXXX, it took XXXX months for Discover to finally do the right thing ( see attached transcription ) and correct the charge ; however, my account balance has never been correct since, and it keeps getting worse. Because of Discover taking so long to correct the fraud and making mistakes with putting the charge on an off of the account balance, I had been left with a constantly growing, mysterious previous balance and interest charges. I asked Discover to produce a clean statement showing why I would owe any money, and they were never able to do so. They simply sent me random statements from odd months that had nothing to do with the initial problem. With this said, I called to close the account, where there was less than {$100.00} or charges I still have no idea where there are being issued from, the customer service agent said there was enough money in the rewards cash back to cover the final bill and that would be it from Discover from then on. That was XX/XX/XXXX. It is as if this never happened but worse, I am not getting random bills with treats to send to collection agencies when I have not had an open account since XXXX of last year because Discover was never able to clean the statement and remove the interest and fees they said they would due to the mistakes they made over the XXXX years it took for them to fix the XXXX XXXX dispute. I will never pay any of this since I have paid for everything I have ever charged to the card, and I have done so on time and in full for the last XXXX years. If Discover was able to produce a statement showing purchases for which I have not paid, I would gladly pay the bill free of interest and fees, but they have refused to do that. If there was an amount due at the time of closing the account, I should have been told to pay it at that time, not by leaving the account open and sending bills to an address where I no longer resided, adding late fees and interest charges to someone who is n't even aware that an account is still active. Once finally getting an email from Discover, I have called XXXX different offices, one being the same corporate office that dealt with the original dispute in the first place over XXXX years ago, but no one ever answers the phone. No emails are returned. No voicemails are returned. I can get through to a general customer service person, but all they do is tell me they have no idea what is going on other than the balance on the statement needs to be paid or they will send it to collections this month. I learned today that because there has been a previous balance for so long, not only is my credit score being ruined from XXXX to a XXXX. I paid my mortgage on my house every month on time for 6 years, and I have never missed any payments for anything else I have ever owed or owned. I have had so much heartache and now financial personal loss that I have never experienced in my life because Discover has been negligent to make the necessary corrections. I left countless messages for the Executive Office XXXX XXXX, but her hours are listed as " Typically Available '' so she has, in over a year, never returned my calls. I only got a letter from her once saying she was taking off one of the interest charges, but of course it continued right after. If Discover can not produce proof for charges listed in the previous outstanding balance accruing since this incident began in XX/XX/XXXX because I pay for everything I charge in full on time all the time, then I do not know what do other than get a lawyer and see how to correct this. I want the slate put back to the way it always was before this incident occurred 3 years ago and I do not want to have to deal with this any longer. I would
08/02/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • 33312
Web
Discover Card Ending 1. XXXX 2. XXXX Discover Card, I have contacted Discover Card and explained to them several times identity fraud had occurred to me. They took 2 years to send me all my statements. Then told me I must go through each one and call them back when Im done. The first time I called to go through the statements the representative got frustrated with me and started saying why I took so long to call in? She then stated she was unable to locate a lot of the information in the system, but I had it on statements they sent me, so it didnt make much sense she couldnt find it. she then started to repeat the same stuff and expressing signs of frustration while helping me, so I told thank you very much for your assistance and I will call back later. When I called back a week later I was finally able to complete the 2 fraud claims. This is also where the nightmare began for me and I felt like I was being racially discriminated against. I received several calls on a weekly basis same repeatedly about why I didnt report the situation earlier. I had to keep re-living the same experience repeatedly about the death of my father and my spouse and my XXXX attempts. Without any consideration of how, this was affecting me. Honestly, I dont believe they were noting my account or even sending the affidavits me. They did not look or base it on the police report because the kept asking for the same things respectively. I had my case worker XXXX straight up tell me Im lying and its not a fraud case and I will have to pay back the money ( Now after that incident how can I trust that Discover Card did their diligence when the case was closed before the investigation took place ). I want to know if I was judged and convict before they investigated my case? How was I even given a fair chance or trial? Is this because Im XXXX and they assume XXXX people dont have money they made me feel terrible. I have had my account since XXXX and never had a problem of paying my bills and never being late. If this was a XXXX person, they would never treat them in such an un-businesslike manner I was very disappointed. Now XXXX would not return my calls and XXXX called on XX/XX/XXXX to say they are closing the case without looking at the police or sending me the affidavits. She stated even if they had the report I had to prove it that the fraud occurred. Im not sure how to do that or why I need to do that, because the card states if any purchase is made that are not mines Im not held responsible for it, but I guess Im XXXX, so I am being held responsible because we dont have money. Im so disappointed with Discover Bank and the research they had conducted no evidence just acquisition and assumption. One of the cards I didnt have in my position since it expired I think XXXX, and someone was using it during that period. they just sent me the new card about 3 months ago. 1. I would like to know who had that card? If I didnt have it, and I was not using it. They need to answer these questions and provide proof of their investigation results and explain how they arrived at their results. 2. I want proof they contacted DMV to verify that 2 other individuals told my ID and Drivers License in XXXX Florida. 3. Explain in clear details how they want me to provide proof besides giving the police report and DMV information on how my cards got stolen. 4. Also, clarify in detail were did Discovered Card states in their fraud statement you provide proof and evidence that someone else used the card beside the 2-law abiding proof I provided which are DMV and the Police Report. 5. I want proof you listen to the recording and XXXX be reprimanded for the way I was treated and want was said to me. I did not use the cards. I want my account credit in full because I work hard for my money. I should not have to pay for illegal charges to my account and stop racial profiling and discrimination.
09/22/2015 Yes
  • Credit card
  • Credit line increase/decrease
  • ME
  • 049XX
Web
So I have a Discover credit card. On their online banking service, they have the option to request a Credit Limit Increase. Whenever I got to that page, it asks for income, employer, and monthly housing payment. Below that is the following message : '' After reviewing your application, we may need to pull a credit bureau report, which may affect your credit score. In these cases, we will proceed with the application only with your consent. " Below that message, it says " Submit '' or " Cancel ''. Now, maybe I am naive, but I took the message " In these cases, we will proceed with the application only with your consent '' to mean that in cases where they need to pull a credit report, they will specifically ask me if I want to proceed. I think that is a reasonable interpretation of the verbiage. I will include screenshots so you can verify what I am seeing. Anyhow, I proceeded with this on XXXX XXXX, 2015, under the impression that if Discover wants to pull a new CBR XXXX and thus cause a hard inquiry ) they will ask me for my consent. Well, when I hit the submit button, Discover immediately responded with " Congrats, you 're approved ''. There was no screen after hitting submit that asked for consent to pull a Credit Bureau. I thought " ok, that was easy, no problem. '' Later that day, I received an alert from my credit monitoring service that there was a hard inquiry from Discover on that very day on my XXXX CBR. I did n't put in any other requests or applications. When I approached Discover about it, they either did n't understand me, did n't understand their own system, or simply refused to acknowledge the situation. Here is my request and below that their response : On XXXX XXXX, 2015, I utilized the credit limit increase option on your website. When I went there, it said the following : " After reviewing your application, we may need to pull a credit bureau report, which may affect your credit score. In these cases, we will proceed with the application only with your consent. '' That is what it says today if I were to use the option again. Unfortunately, Discover never did ask for my consent, and they DID pull a CBR. There is now a hard inquiry on my credit report from that date. I feel this is quite misleading, and because I was misled, I respectfully ask that you convert this hard inquiry to a soft inquiry, or remove it all together. This is a not a case where I was " unaware ''. I was intentionally misled by your website, and assuming I am still being misled today by the verbiage. If this is not resolved properly, I will submit my experience to the OCC and CFPB. Thanks, XXXXResponse from Discover : -- -- -- - Original Message -- -- -- -- Date : XXXX XXXX, 2015 XXXX XXXX : Re : Other Credit Line Questions [ # XXXX ] Sender : Discover Card Customer ServiceGood afternoon. Thank you for your message. I appreciate your business and the time you have taken out of your day to contact me today about the hard pull reflecting on your credit file. I understand your interest in having this information correct and I am happy to assist you today! When you arrive at this page of the credit line increase application, it specifies that we will need to process a credit pull and if you agree/authorize the hard pull, we will continue with the application ; however, if you decline the authorization to pull your credit file, your application will be withdrawn and no credit pull will take place. -- -- -- -- -- -- -- -- -- -From there the Discover rep advises me to file a dispute with XXXX XXXX I know that will be ineffective if Discover does not admit they made a mistake. So, I 'm not sure the CFPB can help me with my CBR, but I DEFINITELY think they should contact Discover about this verbiage. I do n't think my interpretation of it is at all unreasonable. It think it is very misleading and unnecessarily so. Thank you for your time.
01/29/2017 Yes
  • Credit card
  • Balance transfer
  • UT
  • XXXXX
Web
On XX/XX/XXXX I when reviewing my old credit card statements for Discover in order to figure out why my credit card charges had gotten so high. In the statement dated XX/XX/XXXX and card ending in XXXX I notice a balance transfer on XX/XX/XXXX to my Discover card for {$4000.00} dollars for which I 'm the only authorized user and card holder. During this time I had been working a 70-80hrs a week and had neglected to review my electronic statements and during that month I knew there had been some major XXXX purchases which was another reason I had not discovered the unauthorized balance transfer. Upon discovering this on XX/XX/XXXX I called Discover and they said I would have to call back during business hours the next day and talk to the fraud department. So the next day I called the fraud department and they indicated I would have to implicate someone and file a fraud claim in order to get it investigated and that would take 90days even though it listed the balance transfer check number on the statement, so I file a possible fraud charge indicating who I though might have done it but not know for sure who. So they immediately discontinued that card and sent me a knew on while that investigated the claim. On XX/XX/XXXX in the late afternoon the lead investigator contacted me and indicated that these where serious accusation and wanted to know if I wanted to pursue the claim but would not tell me who it was but said they would go after the person I had implicated and that I should file a Police report with the local authorities. At this point I indicated that I did not want them to contact the person or report the person I had implicated because I needed to know it was that person first and that I did not want to go around making false accusations without any evidence. She then said they would go after this person for the money and then I got very upset and it got a little heated as I said why ca n't you just give me the two simple things I 've asked for since its my account and my credit card, I need to know who the check was made out to and who signed it, thats all Im asking. She said they would have to finish the investigation and then release that information to the police. I said well Im not comfortable doing that without any evidence and just to forget it if they could not give me the information I ask for. I feel like I was bullied into withdrawing the fraud claim because they wanted me to do all these thing to implicated someone when I had no concrete evidence. Despite this the affidavit of fraud to fill out still came in the mail followed by a letter stating they were withdrawing the claim per my request. So I decided to report it to the local authorities on XX/XX/XXXX and filled out the form and sent it in on XX/XX/XXXX with a note stating that I wanted to pursue the investigation so the Police could do there job in filing my report to them and that I needed to know who had done this. On XX/XX/XXXX I called to see if they had received the affidavit and they said they had not but took down all the police information requested in the form. Finally on XX/XX/XXXX I called Discover agains since 2 weeks prior I had contacted the Police Chief who said he still had not heard from Discover. The first person I talked to said the investigation as closed and said I would need a fax or email for them to forward the information to the police and then transferred me to the lead investigator who indicated they would not reopen the investigation or forward to the police since I withdrawn the claim and it was considered a domestic dispute. So I asked who signed it and who it was written to? She said the personI had implicated was who it was to and she had also signed it, to which I said I need a copy of that check and she said they would mail it to me and when it came it was made out to the implicated but signed by me and not my signature.
07/19/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OH
  • 43229
Web
Case written by my husband : XXXX XXXX Since I was a child I have been a fan of horse racing. I always dreamed of enjoying live the most famous horse race in the world, the XXXX XXXX. This year I decided to attend XXXX XXXX to watch the XXXX XXXX. On XX/XX/2021 ( XX/XX/2021 ) I purchased a ticket to attend the event through the XXXX XXXX official website. The XXXX XXXX official page took me to a different page to purchase tickets. They use another company for the sale of tickets, that company is XXXX. Using my wife 's credit card, I paid {$1100.00} for a ticket in section XXXX, Row M, seat 7 ( IMG 1 ). I also paid an additional {$83.00} for insurance on said ticket through the company XXXX XXXX XXXX ( IMG 2 ). After the purchase, my wife decides to go to the event with me. I tried to buy another ticket in the same area to be next to her and it was impossible. The people at XXXX never responded to my emails. They kept me waiting for a long time in the online chat and I never received a reply. I wrote to their XXXX account @ XXXX and their XXXX account @ XXXX without receiving any help. I had to advance my trip to Kentucky two days early to resolve this issue directly at the XXXX XXXX ticket office. That's when I found out that I was scammed by the people at XXXX. They sold me that ticket ( XXXX $ XXXX for more than double its real price. I was informed that the real price of that ticket was {$480.00} approximately. At the XXXX XXXX ticket office I was suggested NOT to USE that ticket and to resolve the issue directly with XXXX. After spending almost an hour arguing in the ticket office, I managed to get two tickets ( for my wife and me ) in a much better place than the ticket that I bought by XXXX for an infinitely lower price ( IMG 3A ). I immediately tried to communicate with XXXX via chat without receiving any response as usual. I wrote to them through XXXX expressing my annoyance and letting them know BEFORE the event that I would NOT use that ticket. I was scammed by them ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). At the same time, I wrote on the official XXXX accounts of XXXX XXXX @ XXXX, XXXX of the XXXX XXXX @ XXXX and XXXX @ XXXX denouncing what happened ( IMG 6, IMG 7, IMG 8, IMG 9, IMG 10, IMG11 ). The number of people who write negative comments on XXXX 's social networks is incredible. It is enough to see the comments of any of their publications to realize the poor service provided by this company ( IMG 12, IMG 13, IMG 14, IMG 15, IMG 16, IMG 17 ). XXXX XXXX is indisputably responsible in these events as well. Obviously they use another company to protect their backs and thus avoid any lawsuit against them. When you keep silent about unjust acts, you become an accomplice of injustice. One group is making a lot of money from these unfair actions. Ticket sales for a price much higher than the actual price. I am 100 % sure that I am not the only one who was scammed by XXXX. Upon receiving no response from XXXX, my wife initiated the dispute process through her financial institution DISCOVER. All this before the event because we would NOT USE that fraudulent ticket. They temporarily canceled the transaction, then they charged her again and when she contacted the bank they removed the charge again, receiving a letter where the case had been temporarily resolved in our favor ( IMG 18, IMG 19, IMG 20 ). On XX/XX/XXXX, the bank recharges the credit card {$1100.00} justifying that they received information from XXXX and inclining the case in their favor ( IMG 21, IMG 22 ). My wife and I refused to pay for a UNUSED ticket that was purchased through the XXXX company for an exaggerated amount ( more than {$600.00} of its real value ). We will take this case to the corresponding institutions and we will seek legal advice to know what actions can be taken against XXXX. P.D. All IMG are pictures attach
11/17/2015 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • WI
  • 53132
Web
XXXX XXXX XXXX, XXXX XXXXI am writing to you about a problem that I faced today. I have this problem, that could have been yours or Mr. Obama 's. Let me explain : Scenario 1. If # potus went to a store and bought apples for {$20.00} using cash. The very next minute he saw his spouse carrying apples that she just bought. He would go back to the cashier and return the apples and get the XXXX dollar bill. You 're with me - Right. Good now let 's seeScenario 2. If you go to a store and buy apples for {$20.00} using credit card. The very next minute you see your spouse carrying apples that he/she just bought. You go to the cashier and return the apples and get refund back on the card ( typically a receipt showing it was credited back to your credit card-right ), well then you throw that receipt and forget about it. You 're still with me - correct. FACT ~ if you log into your credit card account, you 'll see that you were charged {$20.00} ; but you 'll not see the refund amount for days and weeks & if it never got posted, you threw the receipt, do n't remember the amount, its date etc. its money gone into thin air. Someone pocketed it, you 'll never know or recall & you 'll end up paying the credit card company ( regardless of the actual situation ) till such time you do not get the credit from the vendor. I had this situation with XXXX XXXX XXXX on XXXX/XXXX/2015. They said they had refunded the wrongly charged amount of {$520.00} right away, but it is still not showing on Discover.com even as I write this article on XXXX/XXXX/2015 ( today being the XXXX day ). Here is a screen shot. I called Discover and they said it may take around 15 days and if you still do not get the credit then let us know. If you swipe you credit card at a store and simultaneously log into your credit card account on your smartphone or any smart device like XXXX, you 'll see that the CHARGED amount shows up in less than a minute, but the REFUND TAKES DAYS OR WEEKS. Something is fishy right here. What if you walk out of a store with a piece of paper showing the refund amount and then you lose that refund receipt & you did not get the credit back in your account? Money gone!! Bye Bye ... ... I have a return receipt of {$9.00} dated XXXX/XXXX/2015 from XXXX store XXXX. XXXX, printed at XXXX hours, by associate XXXX. XXXX, transaction number XXXX. I do n't see the refund amount on the credit card company website, whereas my understanding is that I was issued the refund right away as I returned the merchandise. Now - If I lose the refund receipt, I would not know the exact amount of the refund? How will I ever be able to claim a refund from an invoice that had XXXX items and XXXX item got refunded. Who is holding my money for 15 days and why? If the charge was posted on the last day of the billing cycle - I will have to pay the credit card company for merchandise that was returned and refund issued & if I do n't pay the entire amount to the credit card company, then I have to bear interest on short payment. Scenario 3. Ideally - If I swipe my credit card for {$20.00} & XXXX dollars shows up online as a debit or as a charge ( almost within a few seconds ) then return refund amount SHOULD SHOW UP dynamically too. The credit card company benefits and I can prove it. Consumers are being milked. I have to pay the money even when I did not buy the merchandise, was issued a refund. Now If I lost the refund receipt. I can forget that money. It 's not fair and # FTC should probe into it. XXXX is just a # whistleblower. I can get this issue fixed for all the credit card companies. # FTC should initiate action right away. XXXX has a solution to a MUCH BIGGER problem that # FTC and # XXXX is facing daily. Meet up with me and you 'll love the technologically advanced innovative solution I have for you - I am certain you 'll have a big smile on your face.
01/19/2017 Yes
  • Credit card
  • Billing disputes
  • CA
  • 900XX
Web
XXXX XXXX XXXX came into my store to purchase a watch. She called me on XXXX XXXX, 2016 at XXXX inquiring about an ad she saw on XXXX where I advertise my watches. She was asking questioned and I told her she was welcome to come see the watch if she likes. She asked if she can come in the same day, I told her I normally do n't take customers after XXXX but, since it was a woman I felt comfortable to let her come in. She said she can be there by XXXX because she works at XXXX and she can get to my office pretty quickly. I figured it should n't take that long so I said ok. At XXXX I called her to see where she is and she told me she was exiting and that there was a lot of traffic. I called her back again at to let her know that I ca n't just sit here all day waiting for her but, she told me she was parking the car across the street. Anyway, she was in my store a little after that. She came in and asked many questions and I showed her other options. She decided to go with the one she initially saw online. By this time it was almost XXXX. I was rushing because my parking lot closes at XXXX. She gave me her credit card and before I submitted the transaction, I looked up at her face and gave her the total which was {$2000.00} + 9 % tax at the time which was {$180.00}. So her total was {$2100.00}. She gave me this look like Oh great and I asked her if it was ok for me to run the card. She gave me the ok and I went ahead and did it. After I submitted the transaction, I asked for an autograph from her but as we got busy talking and I had to provide other documents to her, she took my copy of the signed receipt and I did n't realize it. Before all that, she mentioned to me that she was nervous because she has never made such a big purchase for herself and I told her that I 'm sure she deserved it. Anyhow, 3 weeks later, she filed a dispute with her credit card ( Discover ) that she never authorized the charge. I called her the next morning after seeing the email from XXXX to remind her of the transaction but she hung up the phone on me as soon as I told her who I was. I called back one more time but she sent me straight to voicemail. I immediately went to XXXX and filed a police report for fraud. The detective got a hold of her because I had her phone number, and she stated to the detective that she had n't been to my store or anywhere near downtown XXXX XXXX for the past 2 months. The next day she called the detective back and gave her a different story. She told her that she was afraid to tell the truth because someone had supposedly been harassing her therefore, she was n't sure if the detective was a real detective or not. Now that she was scared that I reported her, she changed her story and told the detective that she was in my store but I charged her the wrong amount. This entire time, my merchant who is XXXX was the middle person between me and her credit card. I gave all the supporting documents that they asked for. They finally came back and said that I charged her too much. i was ok with giving her the difference just to end this nonsense but Discover decided to go in her favor and refund her entire {$2100.00} and she got to keep the watch. She then claimed that the watch is not a good quality. Fine then, you should have brought it back to me. Why play games? This was all set up and Discover gave all her money back to her and she kept the watch. Really? It 's either bring the watch back and get all the money or lets just give this person who has nothing else to do but to XXXX other people some change back so we can all move on with our lives. I 'm not happy with the outcome. Discover knows that she 's lying. She changed her story several times. in the end they know supposedly I charged her more. Then she should be getting back the difference. Why the entire amount? Why a free watch? Is this how messed up the system is?
01/18/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • WI
  • 54904
Web
This complaint centers around a defective treadmill XXXX and its associated fitness application from XXXX. In each case Discover has sided with the vendor despite inconsistencies and the documentation I have provided. I believe you will agree that Discover has not accurately reviewed the data as well as inappropriately charged me with fees. Key Complaints with Discover 1. Treadmill : I had a defective Treadmill. I disputed the charge immediately due to the defective nature of the unit. Discover did not support me with the compliant with XXXX to either repair, replace or return the treadmill. XXXX never contacted me on remediation. Once XXXX received the payment, there was no incentive to support me. I do not have access to Discovers documentation on the matter but they Discover contended I did not return the XXXX lb treadmill delivered on a panel truck as reason to side with XXXX. XXXX also showed they contacted me for the return authorization. However, their proof of contact was using an invalid email address that is not my email. I pointed all this out to Discover but they sided with XXXX. XXXX. XXXX : With a defective treadmill, the XXXX application has not use. I disputed all XXXX application charges since the treadmill was defective. I could not use and never used XXXX. Similar to the treadmill dispute, IFITs documentation referenced an invalid email address to me. I also pointed this out to Discover. XXXX. Discover Rewards : After over two decades as a Discover customer, I have cancelled my account. It is associated with their lack of customer protection. Upon cancellation, Discover was to pay me my cash back awards balance. 4. Interest and Late Fees : Upon cancellation of account, my balance was paid in full except the charges I continue to dispute. Discover continues to accumulate late fees on these disputed charges. I have notified Discover that these charges are still contested. They have indicated they continue to document that I dispute the charges. One should note that normally a customer has limited documentation of all the correspondence with the vendor since one would expect the product would function when an order is place. However, I can demonstrate a full appreciation of lack of response from XXXX due to defect product as well as gaps in Discovers acceptance of vendor information despite inconsistencies or falsifications by vendor. NordicTrack Treadmill purchase and XXXX XXXX XX/XX/XXXX, I ordered an XXXX treadmill. I ordered the treadmill online. My order confirmation is below. Key Points Related to Complaint This was during COVID. One of my complaints is XXXX was unresponsiveness to my calls and emails to return my defective treadmill. Also, XXXX has not value if the treadmill does not work yet they tried to charge me for a service that could not be used when I requested, they fix, replace or refund my money for the treadmill. Discover ignored that I did not have a functioning treadmill. I immediately contested the charges. There is a significant delivery charge as the treadmill weighs XXXX lbs with shipping pallet material. XXXX uses third party freight shipping companies to deliver their products. The product was delivered on XX/XX/XXXX via a large panel truck. Two people and a pallet dolly were necessary to unload the treadmill. As part of the complaint over the treadmill, Discover indicated that did not return the treadmill. However, return requires special equipment to return and XXXX never contact me. ( See next point ) My email address on the order is XXXX as seen below. XXXX have sent confirmation of the treadmill order and XXXX to xxxxxxxxx. You will note in subsequent documentation that XXXX provided information related to the disputed charges has used the email address zzzzzzzzz. This is not a valid email address. I had noted that to Discover but they continue to ignore this issue.
08/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30281
Web
XXXX has breached their fiduciary duty and acted in bad faith. For numerous months, I begged XXXX to conduct a reasonable investigation into the accounts mentioned below. I was told on numerous occasions that the accounts were verified by the creditor. XXXX has gone as far as to say they will no longer investigate this matter. I have reason to believe XXXX had actual knowledge that the following organization induced me into adhesion contracts and was unjustly enriched because of it. I was unaware of any legally binding contract I had with any of the mentioned organizations due to the fact there was no mutual accent. I received no benefit from these credit transactions. XXXX XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX BANK XXXX XXXX {$7400.00} DISCOVERBANK XXXX {$11000.00} XXXX XXXX {$4800.00} I have reason to believe my financial institution targeted me because they knew I wouldnt be able to understand the contents or procedures for opting out of a contract. My nonpublic personal information was used against me under false pretenses to coerce payment on these extensions of credit. I was never explained how to opt out of the disclosure any negative information that would jeopardize my consumer reputation if I didnt adhere to the terms. Upon further investigation, I uncovered that I was induced into an unconscionable adhesion contract that I feel would have been uncovered by XXXX if a reasonable investigation would have been conducted. I was told by these organizations that I would be receiving an cardholder agreement and loan disclosures of terms I had to adhere to. I was never given an option to opt out of anything. I would never knowingly agree to terms and conditions that would adversely affect me my right to operate in commerce and force me into peonage. Given the option, I would have chosen another financial institution. The mentioned organizations have engaged in racketeering activity by taking action to enforce these adhesion contracts and XXXX was knowingly complicit in this conspiracy to engage in human trafficking. This fraudulently furnished information violates TILA, FCRA, GLBA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC Act, CFPA and RICO Act. In accordance with TILA, the finance charge is the sum of all charges. The above-mentioned financial institution included a provision in their agreements to embezzle my monthly credit balance. I would have never agreed to that provision if I was made aware that it existed. All payments made on this account were a result of threat, duress, and coercion due to undue influence. I explicitly disaffirm any alleged contract, whether, implied or explicit, between I and the financial institutions mentioned above. Due to unauthorized use of a credit card due to the above organizations acting in bad faith, XXXX was unjustly enriched. I am requesting copies of documentary evidence of the obligors indebtedness to the above-mentioned financial institutions. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. The above-mentioned creditors may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. I disaffirm any alleged agreement or provision, whether implied or explicit, with XXXX that allows the furnishing of negative information to nonaffiliated third parties. I would never knowingly consent to the furnishing of any negative information that would jeopardize my consumer credit reputation with other financial institutions.
10/20/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • SD
  • 570XX
Web
From the dates of XXXX XXXX XX/XX/XXXX there was an individual who used my credit card for more than a thousand transactions without my knowledge or authorization. I initially reported the fraud in XXXX of XXXX and opened my first fraud case. There's a transaction on my discover account for spy software, which the individual used to further commit fraud by hacking my phone and collected my credit card information, debit card information and additional personal information and purchased for roughly {$50.00} ( I have a copy of the statement with the purchase ). I had to submit 3 or 4 different fraud cases and explain the situation several times until there was one discover customer associate who went through transactions from XX/XX/XXXX to XX/XX/XXXX with me which accumulated a total of roughly $ XXXX. This was a 3 hour phone call which is on recording that I have saved in a file. I continued to make the minimum payments, knowing that the charges and credit card balance were not made by me because I didn't want it to affect my credit score in a negative way while Discover " investigated '' the fraud/identity theft. I made a police report with my county police department on XX/XX/XXXX. Discover did nothing but make matters worse for me throughout this entire process and continued charging me XXXX % interest on the account, making it continue to increase substantially. I contacted XXXX and XXXX to have my credit lock/froze because of the fraud until Discover finished their investigation. No one from Discover 's fraud department contacted me with any resolution to my dispute or the fraudulent charges until around XX/XX/XXXX when they simply cleared my balance of roughly $ XXXX, which was primarily increasing due to interest charges. Yes, Discover wiped $ XXXX but there was over $ XXXX unauthorized charges on my account ( s ) and many payments made on the account by me for the fraud charges. I have several recorded calls with several customer support and the investigation team members. Discover reported that the dispute was resolved when it was not and I was not made aware of this. Fraud continued to happen on my accounts because I feel like the investigation team did not care about my case or have any interested and/or concern regarding returning my funds. I last spoke with Discover yesterday morning with the individual who committed the fraud and called Discover 's fraud department that had/has been working on my cases and the individual made a full confession stating their name to the discover fraud team with additional information to prove their idenity and called off their personal cell phone as well. This call was recorded as well and the only thing two women from the fraud team said was that there's nothing we can do and that's not enough proof. The culprit was on the phone confessing to all charges and even stated that I did not authorize them to use my Discover credit card, but the women repeated that this was not enough proof, that I would have to get it figured out with the police department and there's nothing else they can do. Why does Discover have a fraud department if they said they can't do anything about the fraudulent transactions or show empathy to customers facing an extreme financial hardship like myself caused by fraud. I contacted Discover many times about the fraud but there must have been miscommunication on Discover 's end because 3 fraud cases were made, but there were also 3 different credit cards associated with the fraud. I went through every transaction that was and was not mine and have the statements from my bank account linked with my debit card with my locations of transactions I made around the same times that fraudulent transactions with the location ( s ), which also supported my fraud claims because due to the locations, it would have been impossible for me to be in both locations at once.
09/23/2015 Yes
  • Credit card
  • Customer service / Customer relations
  • NY
  • 14624
Web
I accidentally paid my credit card two times. The additional payment was made on or around XX/XX/XXXX in the amount of {$2700.00}. Since then, I have been trying to work with Discover credit card to issue me a credit for the extra payment. It has been over three weeks and I still do not have a resolution. I have talked to multiple representatives about this matter and each time I get a different " story '' as to what the status is on me getting my funds back. This issue has been " resolved '' four times ... But each time I ask for confirmation or for additional information it 's discovered that it is in fact not resolved. I have been told I would receive phone calls to follow up by managers and no one returns my call. They refuse to give direct numbers and say they do not have extensions. Therefore, it takes 20 minutes just to track down the representative that I spoke to last and then to be told they are busy and ca n't take my call. I then have to explain everything to the new representative and then they give me another story as to what is going on. I have been told that I can receive a check in the mail 10-15 business days after the credit is approved and that the check is my only option for a refund. After requesting to speak with a manager because I need my funds sooner than that to pay other bills I was told I could do an ACH and have the funds directly into my account. She understood my predicament and said it was late in the day Friday, XXXX XXXX but she assured me I would have the funds that following week. The week came and went and no funds and no follow up call that was promised. I contacted discover Saturday the XXXX and asked what account number they sent the funds to as a precaution. This was important because originally I had to go through my credit unions 3rd party bill payment service to get the credit issued to them ( XXXX XXXX is the 3rd party bill payment company ). Unfortunately, because the credit from discover was not going to come soon enough to the 3rd party and keep me from being blocked from paying other bills I went ahead and gave that 3rd party the funds from my account. I was assured by discover the credit would come to me so I was comfortable with this decision. However, on the XXXX the representative confirmed the account number was indeed my account, but then proceeded to tell me my credit was still under review. I asked if providing a copy of my account would help expedite the process she said yes and so I sent it in on Monday. The fax she provided me was not going through so I had to call again to verify the fax number. I confirmed again with the rep the account number the credit will be sent to and asked for an email to send the documentation. I sent the email asking for someone to verify receipt and to have an updated status. Neither of which I received. I then contacted discover again today to get a status. She said my credit went through. And I should be getting a check in 15 days. I inquired as to why a check was sent and not an ACH. When she looked into it she told me the check was sent on XXXX XXXX. I talked to XXXX representatives before this that confirmed and ACH would be coming to me as soon as it was approved. But that was not the truth. A check was sent to the 3rd party company metavante. After speaking with XXXX managers today I was finally stonewalled and told there was nothing they could do for me, or a stop payment could be put on but they ca n't guarantee anything then a statement that I should just take the time to research the check on my own time this was from the manager XXXX XXXX. He also denied my request for a written statement of this incident and the status by proceeding to tell me there was no way he could do that. I ca n't believe the level of disorganization, inaccuracies and unwillingness to help a customer of 10 years. Poor business practice and service.
02/24/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • DC
  • 20009
Web
On XXXX I placed an online order with a Merchant for 3 pairs of trousers for a total of {$930.00}. In late XX/XX/2020, after the merchant failed multiple times to meet the promised delivery date, not delivering any of the items in the order, and failing to provide a refund, I asked my credit card company ( Discover ) to initiate a dispute for merchandise not delivered. On XXXX I provided the supporting documentation for my dispute, including multiple conversations with the merchant and a summary of the claim in which I stated that as of XX/XX/2020 neither the order, nor a refund check had been delivered to me. Multiple times in these conversations the merchant accepted that the order had not been delivered. On XXXX Discover responded by stating that they would close the dispute because the transaction was found to be " valid ''. However, the response from Discover did not provide any explanation of how it determined that the goods in the order were actually delivered, as required by the Fair Credit Billing Act. In fact, Discover never provided even a statement from the merchant claiming that the order had even been shipped. Furthermore, Discover 's response included several glaring errors, such as the following : 1 ) Discover incorrectly initiated a dispute and investigation for a Fraudulent Transaction. Discover initiated an investigation for Charge Back Reason Code XXXX. Discover Reason Code XXXX is seen by merchants receiving a chargeback based on the potential for a fraudulent transaction. This is for transactions for which the cardholder provided no authorization for the charge to be processed by the merchant. However, I notified Discover from the beginning that I approved this transaction, my dispute was for the fact that *the merchandise was never received*. This was communicated to Discover by phone, and in writing during the last week of XX/XX/2020. ( See Chronology submitted to Discover on XXXX attached ). The proper Discover chargeback reason code for my type of dispute is reason code XXXX, used for disputes related to merchandise never received from the merchant. 2 ) Since the merchant received a dispute with the incorrect chargeback code from Discover, the company in charge of processing payments for the merchant provided information relevant for a *fraudulent transaction* dispute including : merchant details, payment details, however the merchant did not dispute at any point that the merchandise was not delivered by providing information such as : a ) Shipment Conformation b ) Delivery Confirmation c ) Or even any statement indicating that they shipped a package with the contents of of the order On XXXX I uploaded a letter to the Discover website explaining the errors in the ways my dispute was processed, asking them to conduct the proper dispute or provide a statement indicating how it was determined that the goods were delivered. ( See Attached XXXX letter sent to Discover ) On XXXX Discover sent a generic response to my letter stating that the information I provided was not sufficient to keep the dispute open and that it would be closed. However, Discover did not provide any of the information I requested, which is required by the Fair Credit Billing Act before they close a dispute. Furthermore, Discover failed to provide an explanation of what would constitute " sufficient '' information on my end when my claim was about goods not delivered, in which case the merchant is supposed to carry the burden of proof. After being able to establish contact with the merchant, the merchant ( who agrees that the merchandise was never delivered ) agreed to send me a letter stating that they accept the chargeback, I forwarded this letter to Discover on XXXX ( see attached letter ). As of today ( XXXX ) I still have not received any response from Discover to any of the issues raised on my XXXX letter.
01/22/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • CT
  • 062XX
Web Older American
I VIEWED A PROMO OFFER XXXX.THE PROMOTION STATED AFFILIATED OR PAID BY DISCOVER BANK TO PLACE THESE PROMOTIONS SO THEY CAN NOT BE DENIED BY DISCOVER BANK.THEY HAD A NUMBER OF PROMOTIONS AND THEY WERE NOT ALL THE SAME ON THE EXPIRATION DATES BUT I FOLLOWED THE FIRST EXPIRATION PROMO DATE.IT STATED THAT YOU COULD GET AS EXHIBITS SHOW, OF {$100.00} DOLLARS IF YOU OPENED A SAVINGS ACCOUNT AND DEPOSITED {$10000.00}. THE OTHER STATED THAT IF YOU DID XXXX DIRECT DEPOSITS OVER {$250.00} IN SIXTY DAYS OF OPENING CHECKING ACCOUNT YOU WOULD GET A BONUS XXXX.THE EXPIRATION ON THIS PAGE WAS XXXX XXXX, XXXX BUT OTHER IDENTICAL PROMOS HAD XXXX/XXXX/XXXX? AND SAME OTHER TERMS. ABSENT FROM ALL THESE PROMOS WAS ANY WORDS YOU COULD NOT ALREADY HAVE A CHECKING ACCOUNT, WHICH I DID, AND YOU COULD GET THE HIGHER BONUS IF YOU HAD A CREDIT CARD WITH THEM AND I DID.I LIKE TO CLARIFY AND MAKE SURE I AM ELIGIBLE FOR ANY AND ALL PROMOS AND COPY EVERY PAGE AND ALWAYS CONTACT THE BANK SO I AM FOLLOWING DICOVER BANKS EMPLOYEE APPROVAL OR DENIAL THAT I AM ELIGIBLE.WHEN I CONTACTED DISCOVER BANK I SPOKE TO AN EXTREMELY NICE EMPLOYEE THAT KNEW THE EXACT PROMOTIONS I WISHED TO CLARIFY.SHE WAS AWARE THAT I ALREADY HAD A DISCOVER CHECKING ACCOUNT AS SHE COULD SEE IT ON HER COMPUTER MONITOR.I ASKED HER IF I WAS QUALIFIED FOR THE XXXX BONUSES .SHE STATED YES AND SHE WOULD CLOSE MY CHECKING ACCOUNT AND I COULD OPEN A NEW ONE.IT IS SHOWN CLOSED BY HER ON AN EXHIBIT..I THEN PROCEEDED TO OPEN A NEW CHECKING ACCOUNT AND SAVINGS ACCOUNT AND I FULLFILLED ALL REQUIREMENTS.AND HAD MY CODE AND BOTH ACCOUNTS OPENED.I WAITED AND WAITED AS IT HAD NO DATE FOR POSTING BONUSES. I CALLED ON OR ABOUT XXXX/XXXX/XXXX AFTER 3 MONTHS, AND A DISCOVER BANK EMPLOYEE STATED IT WAS TO LATE AS SHE TRIED TO CONTACT MARKETING, BUT SHE COULD SEE MY ACCOUNT THAT I FULFILLED ALL, IN HER WORDS ALL THE REQUIREMENTS AND SO THIS WAS XXXX EMPLOYEES THAT CONFIRMED ALL WAS DONE PROPERLY, AND SHE SAID THE BONUSES SHOULD HAVE BEEN POSTED ALREADY AFTER SHE DILIGENTLY CHECKED THAT I FULFILLED THEM ALL.SHE THEN STATED SHE WOULD REMIT AN EMAIL AND I ASKED IF I WOULD GET AN EMAIL AS TO WHAT THE PROBLEM WAS.SHE STATED YES.I NEVER GOT ANY RESPONSE SO CALLED AGAIN ON XXXX/XXXX/XXXX XXXX SPOKE TO A VERY BELLIGERENT AND IMPOSSIBLE EMPLOYEE TO DEAL WITH.SHE STATED FIRST THEY GOT NO NOTICE I USED THE LINK, SO I AM NOT ELIGIBLE FOR ANY BONUSES PERIOD.THEN SHE STATED I WAS NOT ELIGIBLE AFTER I TOLD HER I USED THE LINK. I COULD SEND WITH DISCOVER BANKS PROMOTION AND A SCREENSHOT OF THE LINK I USED.THIS WAS BECOMING A GREAT BIG EXCUSE MAKING EXPERIENCE THAT WAS GOING NOWHERES FAST. NOW, I GIVE CREDIT WHERE CREDIT IS DUE.I HAVE HAD A DICOVER CARD FOR 20 PLUS YEARS .I ALSO HAVE A CD OVER XXXX XXXX XXXX IN DISCOVER BANK FOR TEN YEARS ALONG WITH OTHERS OVER THE YEARS.FACT IS ALL THAT TIME THEY HAVE BEEN EXTRAORDINARY AND THE BEST CUSTOMER SERVICE OF ANY BANK I HAVE EVER ENCOUNTERED, UNTIL NOW XXXX.I WAS QUITE SHOCKED AT THE VERBAL, WHAT I CONSIDERED ABUSE, AND EXCUSE MAKING AND KICKING THE CAN DOWN THE ROAD TO DISCOURAGE ME.BUT THIS TACTIC IS NOT NEW TO ME AT ALL, AS TO MANY BANKS HAVE DEVOLVED INTO THINKING RULES AND LAWS APPLY TO OTHERS AND CUSTOMERS BE DAMNED. I TOLD HER DISCOVER BANK IS RESPOSIBLE FOR EMPLOYEES WORDS AND ACTIONS AND SHE SAID NO THE PERSON MADE AN ERROR, IN FACT XXXX DID NOT MAKE ANY ERROR AS THEY STATED.SHE THEN TRIED TO MAKE ME FILE A COMLAINT WITH DISCOVER WHICH I TOLD HER WAS LIKE PLACING THE FOX IN CHARGE OF THE CHICKENS. I DID FILE THE THING SO SHE COULD NOT SAY I REFUSED.I ALSO TOLD HER DISCOVER BANK IS ALSO RESPONSIBLE TO TRAIN PROPERLY SO CUSTOMERS CAN GET CLEAR AND CORRECT INFORMATION FOR CUSTOMERS.THEY HAD MY MONEY AND THEN THEY DECIDE HOW CAN THEY CONVINCE YOU DID NOT QUALIFY AND NEVER ALERT YOU EITHER.THEN ARGUE AND MAKE EXCUSES INTO XXXX. SCAMS NEED TO STOP AS THE PUBLIC IS FED UP.
01/14/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with convenience check
  • FL
  • 33913
Web Older American
XX/XX/XXXX I called Discover with the following issue : -In XX/XX/XXXX I received a promotion whereby use of a convenience check for balance transfer would be at 4.99 % promo APR ( on balance transfers for 15 months ) and with a {$0.00} promo fee -The promo offer contained 4 convenience checks ; two for program described above ; two for another promo -In early XXXX I used a check for the 4.99 % APR program to pay a balance with XXXX, for {$4000.00} and while I can not recall exact mail date it was posted by Discover on XX/XX/XXXX a current statement shows -The same statement ( dated XX/XX/XXXX and intended to be an attachment to this or can be provided ) is the point of concern as it indicates a rate of 24.99 % for a balance of {$2800.00} ; another 12.99 % for {$3300.00}. Nowhere could I find 4.99 %. - As well as the interest being way off and the balances not making sense there was also a 'Cash Advance ' fee of {$200.00} - I called Discover at XXXX at XXXX XXXX ( EST ) today, XX/XX/XXXX. -Connected to XXXX ( in XXXX XXXX XXXX ). Very polite and after a long set of holds could not figure it out but did say this was from a prior promotion that had expired so it became a 'cash advance '. -I then said to XXXX something I repeated to all the people who followed : " I have in my hand the promo offer, with the 3 remaining checks and on one page the perforations are as clear as can be for the check I used. The promo not only has not expired, it is actually still open to me ( until XX/XX/XXXX ). '' -XXXX couldn't figure it out and moved it to 'XXXX ' in 'Disputes Team '. I told him about the checks & promo in hand and he ultimately said the same as XXXX ; that it was an expired promo. At this point let me say I may be XXXX but I don't think I am incompetent and knew what was in my hand as to the promo materials- plus i recalled shredding a prior Discover promo. I don't use these 'promo 's ' lightly. I asked XXXX what next. -XXXX transferred me to 'XXXX ' in 'Billing Assistance '. After once again repeating the situation as stated above, and putting me on many holds she asked if I had a copy of the check. I explained that I don't have a copy of a check I sent and that while I kept the whole promo solicitation I never imagined I would need to make a copy of the check itself- I'm glad i kept the rest of that promo however. ) Ultimately she said all she could do was this : ( A ) She would need an image of the check and would request same. ( B ) I asked when or how long will that be. This is a direct quote : " There is " no timeline ( she ) could give for when they would get the check ''. ( I was stunned and repeated that back to her and she said I got that right- no timeline ). I said that is not acceptable ( C ) XXXX then said, as to her requesting said check, and I use an exact quote : " IF you get the check you can dispute it at that time '' I said " IF? '' and she said words close to " well, when ''. Again, however, no timeline ( D ) As to Discovers getting copies of these checks she explained something about merchants being allowed 30 days even though they need not reply at all ( I don't understand it's relevance, if any, to me ) but then repeated that stunning ( to me ) statement about how for the consumer " there is no timeline. '' ( E ) Summary of the call after 54 minutes was they " may '' get the check copy to me and only then can I file a dispute. She wouldn't be getting a copy too and that was it. I expressed how utterly inequitable that is to their customers. She said she would 'send a note ' about that. To who it would be sent I was not told nor did it seem of much concern or matter. Before ending the call she did agree if this was her she wouldn't be satisfied either. As it stands now I am being charged as much as 20 % MORE than the promo check, plus apparently I was charged a fee for the 'cash advance '.
02/03/2017 Yes
  • Credit card
  • Billing disputes
  • MA
  • 02050
Web
On XX/XX/XXXX I called Discover credit card services and intitated a dispute over the phone in the amount of {$2000.00} for a charge that I made using my Discover Credit Card to pay XXXX XXXX XXXX. I initiated this dispute and asked for a full refund be applied to my Discover credit card, because the shipping company told me they were unable to " release '' the paid for merchandise, or schedule a delivery date because XXXX had not paid for the shipping charges. I called XXXX and spoke to XXXX who said " she would take care of this and that the shipping company would call me back the same day to schedule a delivery time. '' This never happened. I emailed XXXX and XXXX several times explaining what needed to be done in order for my items to be delivered. On XX/XX/XXXX I emailed XXXX and XXXX to explain that my order could not be released. After several other emails, and unreturned voice mails, because I did n't get a response from XXXX after I emailed them to cancel my order and refund the entire {$2000.00} back to my Discover Card I reached out directly to Discover Credit Card on XX/XX/XXXX. I was told that I would be issuesd a temporary credit for 30 days in the amount of {$2000.00}. I was NOT at this time told, that because I had a previous open dispute against XXXX which stemmed from the same single transaction ; that even if XXXX failed to respond to Discover 's investigation within 30 days the line of credit for {$2000.00} would automatically be revoked after 30 days. My first dispute against XXXX was due to a change in my orignal order paid by my Discover card in the amount of {$8600.00} on XX/XX/XXXX. I had to initiate the first dispute against XXXX becasue they refused to refund my Discover credit card the difference in the balance owed back to my Discover credit card after I had changed my order now Order # XXXX with XXXX on XX/XX/XXXX. On XX/XX/XXXX I called Discover and spoke to XXXX in the Billing Assistance Dept. in Delaware. At this time she told me that this was only a temprary credit and would be revoked on XX/XX/XXXX because they could not have two disputes against the same business for different amounts. I explained in detail why there were two separate disputes. I also said that on XX/XX/XXXX an employee did tell me this was a temporary credit for 30 days, but failed to expalin that unlike the first dispute the credit would automatically be revoked after 30 days even if XXXX ddi n't respond to Discover 's invetigation because it was from the same business. I told her that the first dispute was still " open '' when I initiaited the second dispute against XXXX. I also told her that these two disputes were from the same single transaction when I used my Discover Card to pay XXXX on XX/XX/XXXX. I was told to write a certified letter to XXXX. I told her this would not help me since they refuse to respond to my emails or voice mails. I spoke to XXXX XXXX XX/XX/XXXX from Discover 's Executive Office before officially filing a XXXX complaint on XX/XX/XXXX. She said that there was nothing Discover could do to help me with this issue. I informed her of all the facts, and the paperwork that Discover has to support my case. Again, she told me despite the fact that I never received any merchandise, and despite XXXX 's unwillingness to respond to my emails, or voice messages Discover would not be able to make the " temporary '' credit for {$2000.00} a permanent credit. Although, XXXX did n't respond to Discover 's investigation within 30 days. ( Unlike the first dispute against XXXX that was settled in my favor, because XXXX failed to respond to Discover 's investigation within the 30 day time frame. ) I was given no Notice as to the " temporary '' credit being revoked on XX/XX/XXXX, until XX/XX/XXXX when I called Discover to confirm the " temp. '' credit was now permanent due to XXXX 's failure to respond.
01/17/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • MN
  • 55412
Web
I have been having hardship since my job of seven years closed down XX/XX/XXXX and I lived in my home for 23 years I do not own it.I had a choice in paying my mortgage, I am still struggling to pay now.I 've been caught up now when finding temp job. I have a Discover card which frozen my payment because of my unemployment issues for 24 months. I am the sole owner of this card. Once my husband got injury and could n't work they frozen my payment again because he is my spouse because of my payment protection. He is not authorized user because I am the sole owner. My husband is now disable and get little money from Social Security. I have no income. When I last talk to Discover Card company last year around XX/XX/XXXX ask if I could send in a payment. My hardship I made a choice to live in my home with my family and kids. They place the card in collection. I thought it would just be listed as a bad debt on my credit report. I have been trying to find Stable full time work so I can pay my bills like I always have. It been hard for me to find full time work. getting to the story on Monday night XX/XX/XXXX at between XXXX XXXX a little before XXXX XXXX there was a rang at the bill. My husband went to the door and a man was there. He asks for me and throw a letter inside of my inside mail box. This letter was not handed to my husband. My husband did n't retrieved the letter because he thought it was just advertisement or something. The next morning my daughter bought the letter to me and I read it. Discover want to sue me this is a unsecured debt, there was no pay advance on this card. the last amount I know about was {$11000.00}. The last I talked with Discover card in XXXX they raised the interest on the card to {$11000.00}. I had to send in a report from the Doctor about my husband XXXX for the account to be frozen and protected.Some how the paper was n't entered in their database on time. It made the amount go from {$11000.00} to {$11000.00}. I can not pay on this account because I do n't have income, I am having a hardship and trying to keep shelter for me and my family. The letter has a Summon with no court number listed or a seal. if I do n't give a answer he will take me to court and sue me for {$12000.00}. This attorney had me feeling like I was having a XXXX. I wish you can help me with this answer to this attorney that amount is not true, which they paid pennies on a dollar. I am willing to pay {$10.00} a month until I find a full time employment in my field of Mortgage Underwriting. I had a death in my family XX/XX/XXXX and grieve for 2 years for this lost. I been trying to find work. My XXXX job last 1 to 3 months and do not pay enough for me to take on paying this credit cards. I have always pay my bills on time when my husband and i had job. it been hard and the only debt I have is credit cards this Discover card is harassing me at night, the attorney is running my credit report without my authorization, calling me when I said not to, coming to my house at night. I have 20 days to give him/She a answer. This summon has no date stamp on or listed in the body. ask XXXX and XXXX XXXX XXXX ( XXXX ) XXXX. Give me relief to find a real FT job. I am looking everyday. or set up a good faith payment of {$10.00} a month. Or just lists it as a bad debt on my credit report and let me take care of finding work and then make a arrangement later. once I find full time work with a payment plan. I have only XXXX other credit card they are listed as charge off now. I will make good faith when I find full time employment. Only the Discover card want to sue me. I read on your website about. Is there such a thing when Obama made credit card relief or a a bailout for the consumer who is experience hardship and can not pay the credit card debt. Please help me and send the letter this this attorney. Or to set up a payment plan
10/02/2015 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • HI
  • 96701
Web
This complaint is instructed by the local police department 's prosecuting attorney to address the meritless and slanderous accusations of Discover Financial Services , Inc regarding the Fraudulent Usage of Credit Card belonging to me and my husband. On XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX in 2015, more than XXXX fraudulent charges were made using us discover card. There were three types of fraudulent attempts : 1 ) Successful charges 2 ) Declined Charges 3 ) Pending Charges. Of those charges, there were XXXX successful charges made on XXXX XXXX in the amount of {$5100.00}, XXXX XXXX in the amount of {$4800.00}, and XXXX XXXX in the amount of {$2600.00} of which all were made to an online merchant called XXXX, a precious metal company. There were also XXXX declined charges made. On XXXX XXXX in the amount of {$3900.00} were made with XXXX and on XXXX XXXX in the amount of {$1300.00} were made with XXXX, an online electronics merchant. Also, other pending charges were also observed in Discover.com 's online banking system when the fraudulent usages were reported on XXXX XXXX, 2015. Discover claims that they are unable to retrieve such records as they do not keep records for more than 60 days. Discover through their investigation efforts claims that my husband is responsible for the XXXX successful charges made. Their assumption is based on several conditions : they claim 1 ) The items purchased were gold bars and it was shipped to our home address. 2 ) My husband signed for the packages. 3 ) The IP address used to purchase this was from our home. 4 ) My husband 's personal information is impossible to be obtained. In XXXX, Discover had forced us to pay for the XXXX charges and they reversed the charges shortly after. However, they held on to the {$12000.00} for about 4 weeks before refunding it back to account on XXXX XXXX. Discover asked us to file a police report in XXXX. We contacted the police and was told that the final victim is Discover or merchant, thus they need to file the police report and we can be witnesses. Shortly after, we received a letter in the mail stating that the case is closed. Not until late XXXX, we heard from Discover in the form of a voice mail and then we learned that they had reversed the charges that held us responsible for the charges. My husband made multiple attempts on behalf of us and was responded with rude and evasive customer service from Discover 's fraud investigative team. The lead investigator in charge is XXXX XXXX in the XXXX department that played a major role of accusing my husband as the perpetrator of those XXXX charges. XXXX has been evasive and untruthful in the representation of facts that were presented to her by the merchant XXXX. In a telephone call made by the police department detective after we had file the police report with the local station, Discover fraud department claims that the XXXX provided the IP addresses XXXX and XXXX to them and Discover claims that it belonged to us. IT DOES NOT BELONG TO US as it surprisingly belongs to someone in XXXX, AZ. We had attempted to ask Discover for the information of the declined charges and pending charges but Discover repeated claims they have no records of those and would only focus solely on the charges that Discover and/or the merchant is financially responsible for. In addition, we had asked the merchant for information but the merchant cites ongoing investigation and refuses to provide information to us as well. Moreover, nobody in the household had signed for the packages sent to our house but Discover claims that my husband had signed for the packages without merit or irrefutable proof. The most ridicule reasoning provided by XXXX is that she claims that my husband 's information can not be found anywhere thus it had to be him who ordered these items without any supporting evidences.
05/29/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Keep getting calls about my loan
  • PA
  • 19026
Web
I went to school at XXXX University in XXXX XXXX 's, PA. I have held private student loans with Discover Student Loans for 3 years ( I have actually be paying on the loans longer but they were originally all owned by XXXX-my private loans are now split between XXXX and Discover Student Loans ). I have paid my loans monthly since I have finished school ( on-time for the most part but at times a couple days late ). In late XXXX I became unemployed and am currently looking for a job. I paid my XXXX and XXXX payments but can not afford to make those payments anymore until I find a job. My loan payment due date is the XXXX of every month. Today, the XXXX of the month, I got a phone call from my father ( who co-signed my loan ) stating that discover called him today reporting I was delinquent on my loan XXXX by one day for XXXX payment ). When he asked if they called me the women did not give a clear answer. I did not receive a phone call from them. I then called them today to ask for help and after much struggle ( and attempts to tell me I should be asking family members for loans to help me pay, etc ) and talking to XXXX different people I was finally granted a two month forbearance ( I have never taken a forbearance on these loans in the past ). I was told that my monthly payment would then go up in the two months but they could not tell me by how much and that I would get a letter in the mail with my new monthly payment amount ( please note that between my XXXX private loans and federal loans it is difficult enough for me to make these payment but thanks to government loans offering pay income options I am at least able to pay my loans and still survive ). I agreed as I do n't have an other options at the moment. I also was asked by the representative if they were allowed to contact me via cell phone or text message in the furture. I declined saying that I wanted only to be contacted in writing ( email or letter format ). I did this because in the past when I have had to be a few days late and called them to notify them I was told that even though my account was noted I would continue to get " collection calls '' from their automated dialer. The problem with this is that the automated dialer can call you multiple times ( XXXX to XXXX a day ). When I explained that this was in part why i no longer wanted to be contacted via phone from them the representative XXXX XXXX XXXX continue to pressure for several minutes to " give my consent to contact me via phone '' and noted that they only call people who do n't ' pay on time multiple times a day in an effort to reach them ( this is not true because if you call them to notify them you are going to be late they still lump you in the " delinquent '' category ). I did not give in and refused to give consent. He finally accepted my " no '' but was rude. I have several issues with what happened today : ( XXXX ) why are they contacting my co-signer before they contact me?, ( XXXX ) why are they calling my co-signer 1 day after my payment was due when I have a long standing history of paying on-time/monthly with this company?, ( XXXX ) why is it so difficult to get help with payment arrangements during periods of unemployment ( and made to feel almost like a criminal or delinquent for asking )? and ( XXXX ) unlike XXXX who granted my two month forbearance on the part of the loans I have with them, is Discover now going to increase my monthly payments because I am unable to pay for two months? I understand that interest will continue to accrue on XXXX those loans but when someone has been out of work for several months to then tell them that there payment will increase when financial struggles have been endured while looking for a new job is ridiculous. XXXX is not increasing my monthly payment. I do n't understand. Any help you can offer with this problem I would appreciate.
08/30/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • IN
  • XXXXX
Web
Dear CFPB, I am a new client to Discover Financial Service. I applied for Discover It credit card on XX/XX/XXXX. I filed my application and contacted Discover for the final decision. I uploaded the most recent bank statement and a copy of my SSN card as requested. After the reviewing process, the credit analyst told me in the phone that my personal information got verified and my application got approved. I received my Discover It card on XX/XX/XXXX. I read all the materials along with it and followed instruction to activate my card ( XXXX, XXXX ). After that, I created an online account through Discover to manage my card and logged into their mobile application. I also contacted Discover ( XXXX, XXXX ) to ask how to set a PIN and questions regarding to monthly statement and payment. Around XXXX, I tried to link my XXXX card to XXXX Pay. But it returned an error that " Verification Required, Call XXXX ( XXXX ) XXXX to verify your card for XXXX Pay ''. Thus, I called XXXX again for reporting this issue ( XXXX XXXX ). First, I was told that it is a regular procedure for the account identity verification. Then, after providing all the required info, I was transferred to a representative from the Fraud and Account Protection department. They asked my social security numbers and other info again, and told me that my account still needs some operations and will be all set very soon. After that, the representative told me that I should provide further documents to verify certain info and they also sent me an email through CPSReview as follow up. The email asked me to provide SSN again and required me to sign Form SSA-89 Authorization. Furthermore, they demand me to provide a copy of current U.S. state driver 's license or limited term one or U.S. state ID card. During this time, I realized that my Discover account was blocked from their mobile app and websites. On top of that, they also declined all the transactions made by this card. As a result, I called Discover through XXXX at XXXX to solve the issue. But another representative told me that it is a normal inspection but if I could not provide above materials in 14 days then they will close my account. I argued that I have already provided all the needed and necessary documents during the application process. Moreover, I have proofed my residential address and personal identity through the phone with their agents at least twice. But they refused to unlock my account unless I provide all the documents they needed and also threatened me that it would be a negative impact on my credit history if they decided to close my account. I stated that I am a foreign citizen with work permission. So, apart from SSN, I am clearly not able to provide U.S. state driver 's license or ID card in the near future. My recent applied Indiana Real ID will take at least 30 days to deliver. But Discover insisted their demands and refused to accept my other legal documents ( such as Passport ) as an alternative. I feel extremely disappointed to service provided by Discover. And I believe that I was unfairly treated as a client. Literally, it was supposed to be my first day that enjoying their service. Instead, they suspended my account without any specific reason, which I even did not make any transaction. They also ignored customers ' special situation, or listen to their needs, or even provide alternative options. As a financial service company, it is their obligation to verify clients ' identity and avoid fraud. But, instead, they push those responsibilities to clients and repeatedly request their credentials to prove who they are, which bring huge risks of personal info leakage. The ridiculous fact is that the company has already collected those materials during application process and maintains their official channels to verify it. But they just are not willing to do it.
05/05/2016 Yes
  • Bank account or service
  • (CD) Certificate of deposit
  • Account opening, closing, or management
  • FL
  • 342XX
Web Older American
On XXXX XXXX, 2016, I applied on line for a 7 year IRA CD with Discover Bank. The rate was 2.23 percent ( 2.25 APY ). The CD would be funded by direct transfer from my XXXX brokerage account. I was told that I would receive the required forms to sign and return within XXXX to XXXX business days. As of XXXX XXXX, I still had not received the paperwork. I was out of town the following week, and received the paperwork Monday XXXX XXXX. That same day I returned the required paperwork via standard mail to Discover. The next couple of weeks I periodically called Discover to find out the status of the transfer of cash from XXXX. I received various answers from them, but was all but assured that the rate had not changed since the first of 2016 and most likely would not change before the XXXX was funded. I finally found a Discover agent on the phone who told me that the transfer had to be initiated by XXXX. The same day, I downloaded, signed and sent the transfer request directly to the XXXX Transfer of Assets ( TOA ) office. XXXX expeditiously sent the form to Discover. Discover claimed they received the form on XXXX XXXX. I received a letter from XXXX that the funds were transferred on XXXX XXXX. From XXXX XXXX through XX/XX/XXXX, I checked my Discover account on line to see if the funds had been received. My account showed XXXX balance BUT still showed the interest rate of 2.23 percent ( XXXX APY ). On Monday, XXXX XXXX, I again called Discover Bank. I was told that the funds posted on XXXX XXXX ( Sunday ). On XXXX XXXX the funds still did not show up in my account, BUT the rate still showed XXXX percent ( XXXX APY ). On XXXX XXXX, I checked the account on line only to find out that the funds had posted, BUT the rate had now changed to XXXX percent ( XXXX APY ). I immediately called Discover Bank and eventually talked to their supervisor, XXXX. She stated that the rates went down on XXXX XXXX and that to undo the 7 year IRA XXXX would cost me XXXX moths worth of interest. At first she told me that Discover had received the transfer on XXXX XXXX, BUT then back tracked and said the money was received on XXXX. At no time was I notified of the rate reduction prior to the funding of the account. Even on XX/XX/XXXX, when I checked the account on line, it still showed 2.23 percent. XXXX 's response was " you get the current rate when the account is funded '' The current rate shown on my account when it was funded was 2.23 percent. If I had known of the rate decrease, I could have stopped the funding and cancelled the transfer. After having the CD for one day, Discover now wants to charge me 2 years interest for undoing the transaction. They allow NO grace period to see if the agreed upon rate has changed and they do not inform you of any proposed change. I would like to reiterate that 1. the entire transaction took from XXXX XXXX to XXXX XXXX to complete ; 2. there was no indication or notification that the rate would change substantially downward ( including the rate shown on my account through XXXX XXXX when accessing on line ) ; 3. once Discover received the transfer, there was no grace period to allow me to accept or reject the substantially lower rate ; and 4. even though Discover has held my funds for one day, they want two years of interest to undo the transaction. As a side note, when I returned the required signature forms, I received a letter a week later stating that the forms were incomplete. I called up Discover and they said the forms were complete, that it was their mistake. I talked to Discover 's agent a few days later, wondering why the funds had not transferred. They said they would send me the appropriate forms. When I received those forms, they were forms for transferring funds from Discover, not to Discover. Again, I called Discover and was told that the transfer had to be initiated by XXXX
10/17/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • IL
  • 606XX
Web
In continuation of case XXXX [ remove before publishing ] : Discover Student Loans is continuing to report each scheduled and agreed-to auto-draft payment I make to them as a " missed payment '' to the credit bureaus. This dramatically damages me as a consumer since my credit scores are significantly impacted by " percentage of on time payments '' in my credit history. Discover Student Loan 's " missed payments '' appear as the sole negative activities on my credit history since my bankruptcy was discharged, and represent to inquirers proof that whatever money management issues they speculate me to have had before the bankruptcy, continue into the present day. This is factually false as a " missed payment '' is defined as a payment that was never made by the consumer despite an agreement between the parties to make it. It is also damaging that each payment I make on time actually hurts my credit history more. This is the first problem. Discover defends this reporting on the technicality that because I declared bankruptcy while the loans were with XXXX, the loans automatically enter " charge-off '' status under XXXX before they were sold to Discover, and that each payment is then considered simply a reduction in the delinquent amount, regardless if the account had ever been delinquent or not. The loans are already reported as " charge-off '' by XXXX however. This means that each of these loans is reported on my credit twice as charged off, damaging my score twice for only XXXX charge-off account as if XXXX account was charged off by XXXX and another by Discover student loans. This is the second problem. Ever since Discover acquired the loans however, I have made each payment " as agreed '' by its very definition- payment arrangements were made between myself and Discover upon acquisition, successfully drafted each month, and the agreements were renewed annually. Therefore, the accounts with Discover should show as " Paid as Agreed '' and the accounts should only show as " charged off '' by XXXX who were the only lenders to charge the debts off. Just today I made ahead-of-schedule arrangements to pay off the remaining balances in full, and the final payment to XXXX account. However I was told that even these ahead-of-schedule payments to pay off the accounts in full will only add to the number of so-called " missed payments '' on my credit report. While eliminating delinquent debt which reflects well on me to one who reviews my history closely, my face-value credit score will actually suffer a worse punishment for these early payments by adding to the number and increasing the percentage of so-called " missed '' or " late payments '' even though they are pre-paying the debt to XXXX the balance completely. Furthermore, these credit agencies show that the charge-off date is updated each month by Discover student loans to be the last date of update. This then shows that each month the loans are charged off not just through the updated " charge-off '' date, but also through an illustration of monthly payment history which lists each month as the account being " charged off. '' This is the third problem. My only request is that these payments to Discover student loans and the accounts they hold are reported by them factually correct. That means that the payments which were all made as scheduled without error be labeled as " on-time '' and that the accounts are marked as " Paid as agreed '' until the final payments I arranged today are processed. At that time the accounts should be labeled as " PAID IN FULL '' and every payment preceding them should be shown as " on time. " Industry labeling practice technicalities are no excuse for factual misrepresentations of myself, my payments, my financial agreements, and my ability to keep those agreements. Such misrepresentations damage me significantly.
02/08/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CO
  • 80401
Web
The following complaint involves fraudulent charges on my Discover credit card. On XX/XX/XXXX DiscoverCard texted me through their DISCOVER FREE MSG service asking whether I made a purchase at XXXX XXXX for XXXX . I did not make this purchase and texted " STOP '' to hold my discover credit card account. I believed that I misplaced my wallet inside of my apartment sometime in the previous week but this prompted me to believe that my card was stolen with my wallet. I made a police report regarding my stolen wallet with officer XXXX XXXX of the XXXX Police Department the week of XX/XX/XXXX. Although I discussed my stolen card with officer XXXX he only opened a case for the stolen wallet : case # XXXX ( XXXX XXXX Police Department later opened a separate case specifically for the fraudulent activity, on XX/XX/XXXX with case number XXXX ). During the week of XX/XX/XXXX ( I don't remember the exact date ) I spoke to a Discover representative on the phone to discuss which charges were fraudulent. The story of how my card was stolen and my interactions with Discover agents follow. I went to my local grocery store ( XXXX XXXX XXXX ) on XX/XX/XXXX and bought my groceries for the week which usually total around 60 . Upon seeing my statement following Discover 's text, I realized there were many charges at XXXX XXXX on this date. This prompted me to believe that I left my wallet at this XXXX XXXX after buying my groceries and someone had picked it up and used my DiscoverCard. So when I talked to the Discover agent I claimed that all purchases at XXXX XXXX on the XXXX were fraudulent except a charge for XXXX $ because that is what I thought I had bought at XXXX XXXX on that day. I further claimed that all charges from the XXXX through the XXXX were fraudulent as the person who stole the card used it at a variety of other locations and for amounts hundreds of dollars higher than I typically spend. I have attached a screenshot of my statement from this period where I claimed all charges from the XX/XX/XXXX to XX/XX/XXXX were fraudulent. Discover started an investigation into my fraud claim in the next couple of days and an agent called me back and informed me that the XXXX $ purchase occurred after a XXXX $ purchase at XXXX XXXX that I had claimed as fraudulent. Since I knew I couldn't have made the XXXX $ purchase after my card was stolen, I changed the XXXX $ charge to fraudulent. Discover completed their investigation during the final week of the year and called me to inform me that I would be held liable for all charges that I claimed were fraudulent for the following reasons : 1 : I continued to shop at my local XXXX XXXX where the fraudulent charges occurred with my new DiscoverCard. 2 : They claim that I changed my story by changing the XXXX $ charge to fraudulent even though I only did because the Discover Agent convinced me to because it took place after the other fraudulent charges. I had Discover re-open the investigation because I believed that these were completely ridiculous reasons for holding me liable. They completed the second investigation this week of XX/XX/XXXX, where they again found that I should be liable for these charges. I believe DiscoverCard lakes any form of integrity by trying to make me pay for charges that are obviously fraudulent as their computer program flagging the charges as potentially fraudulent was the reason that I realized my card had been stolen in the first place. DiscoverCard is holding me liable for all charges from XX/XX/XXXX through XXXX despite the fact that this is a XXXX $ fraud liability card and the charges were made at a wide variety of locations ( including the XXXX XXXX grocery store close to my apartment ) and for amounts that I don't typically spend. Furthermore, I complied with all steps of their investigation, including filling a police report.
02/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • OH
  • 44109
Web
I received my regular replacement card in XXXX of XXXX as my existing debit card for my Online Checking account was due to expire. I received the new card, activated it and updated my billpay accounts accordingly. I then accessed my account via the mobile app I have used since XXXX or XXXX, and there were two cards showing ( identical to the new blue debit card I had just activated as my regular update ). I then called and was told they are changing and updating their debit cards to accommodate CONTACTLESS PAY despite my ORIGINAL card having the feature. So I knew it was a lie. That same lie was perpetuated by 4 associates on that call until I requested a superior. She then explained that they were giving misinformation. So she removed the repeat card the system sent me and I felt inga were okay. Within 3 days my account access was not possible. I'd received my regular Social security deposit in the meantime that I use to pay my mortgage and had NO ACCESS TO THE ACCOUNT, FUNDS. ACH FEATURES. POS USE, LINK ACCOUNT TRANSFERS ETC, As anyone with this card was locked out of using any of their money in any capacity. I checked online and the same thing was basically nationwide, people couldn't spend or access their accounts. They then tried to blame it on a maintenance event that tan long or caused the problem and offered absolutely no eta for a fix. Eventually after received infinite complaints the company admitted finally that they either crashed or that they accepted responsibility and would reimburse people for the outage. The card and system finally came available sporadically, and then appeared to work. I tested it and also in stores. And was assessed a {$50.00} late fee and endured a blemish on my mortgage for the 1st time in 5 years. They then said to obtain paperwork for the fee and they would handle that for their consumers. I received an email from XXXX XXXX yesterday, XX/XX/XXXX that my account disconnected from Discover Bank. When I attempted to reconnect, u was AGAIN faced with no online access on ANY Discover bank site or login portal. Despite my numerous attempt it is still unresolved after calling them today and receiving condensending treatment from employees, suggesting to try other devices, and third party browsers to XXXX, XXXX etc. Making no attempt to escalate or resolve matter. I ended speaking to a sarcastic 'supervisor ' and examined I had done everything from clearing browser cache etc, and that the problem was that each time u try to enter your login credentials, their banking sites CLEAR THE DATA, THE PAGE REFRESHES AND AS though u hadn't even entered the data. I explained I am not responsible for testing browsers for Discover at risk of a 3rd party browser and that that is their job to test login portals for browser compatibility. I made it clear I only use XXXX. The response was that If the consumer won't try another browser somehow they can do nothing. I requested an IT ticket and she went on to explain in can be up to 3 days etc. But that I'd im not willing to buy purchase download or try another browser there was little IT could DO. I said fine, but I'll be filing a complaint about the persistent blockage of access to consumers funds since XXXX and their change over to the new debut cards. In addition the representative who removed the 2nd card they linked to my already activated " new card '' and disabled it dod something that caused me to be locked out of my functioning new card. So ultimately I had to call them back to overnight yet the THIRD new blue and orange card. And we arrive at today. In the end, they FAILED to notify consumers of the maintenance scheduled that caused the outage, and claimed that normally it occurs on weekends without incident but that one had an issue, for over a WEEK that kept all of us from any access to our funds in any way shape or form.
04/18/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OH
  • 446XX
Web Servicemember
Dispute Update from customer Card ending in XXXX RE : Case Number : XXXX Merchant Name : XXXX XXXX XXXX Dispute Amount : {$42.00} Attention : Discover Card Account Member Services Discover Card Fraud Department I have spent countless hours describing to Discover card member services the details on this matter. On XX/XX/19, the last two Discover Card representatives ( XXXX @ Discover Card Delaware call center, XXXX @ Discover Card Utah call center ) spent well over an hour documenting my inputs on the matter. I will also share them with you below. I will also be notifying the Ohio State Attorney General, CFPB, and XXXX. On XX/XX/19, I went into XXXX XXXX in XXXX and had XXXX as their sales representative / service provider for XXXX companies. I attempted to accomplish the following : 1. Terminate my unlimited grandfathered XXXX XXXX phone service. 2. Transfer my XXXX neighbor ( XXXX XXXX ) XXXX XXXX home phone account I had as a sub account under my former address to his own account. You can see this in the pdf file that XXXX provided. 3. Activate my XXXX XXXX Phone/Device as a month to month phone plan with a seperate XXXX Month to Month account ( totally separate company from parent XXXX XXXX ). NOTE, that # 1, # 2 and # 3 above ALL conflicted. XXXX XXXX and their lack of ability to manage accounts as a 3rd party provider of XXXX services caused the following problems : 1. The new phone WOULD NOT function! The only functions it had were to dial *XXXX. Doing so went to XXXX XXXX, who has nothing to do with their sister office that provides month to month service. Like 2 different companies. The telephone number would not even work, as ONLY XXXX is all the phone would dial. 2. XXXX compromised my social secirity number. I spent two weeks straightening this out. They had my information and XXXX XXXX completely mixed up! Furthermore, they would not allow me to resolve because they had his social security number on MY account. I STILL AM RECEIVING EMAIL BILLS ADDRESSED TO XXXX. I may have to file a police report on this. Fortunately, a XXXX rep fixed this just prior to XXXX for me, and sent me a confirmation email on the matter. 3. I had 2 XXXX managers hang up on XXXX and I, and I honestly lost track of every time ( 5+ ) I thought I was finally talking to the right manager/supervisor, only to be told I had to call the other office. 4. I called XXXX XXXX and was told that I had a better chance of dealing directly with XXXX than they did. They apparently have 1 rep and usually takes at least one day for him or her to get back to them, per XXXX. Bottomm line, this was not only less than one month worth of service for a partial refund, or me saying or complaining of bad service, this was a non working phone, NO SERVICE except for XXXX and to make matters final, while trying to work this out with XXXX , they terminated my service completely, cutting me off in mid conversation. I insist that Discover Card come up with a plan to protect their customers. When I authorize a charge, and find it to be fradulent, defective, whether a partial or full refund, I expect it to be honored, without question. In this case I clearly had ZERO functional service. As a retired military member that has served around the globe for over 26 years, I am frustrated at companies that find it easier to steal from customers rather than provide support. In this case, I find Discover Card more at fault than XXXX XXXX, XXXX Month to Month and XXXX XXXX. Please ensure Discover Card does their duty to refund the money I paid for NO service. If there are future problems, let customers settle matters in the courts. Do not compromise my account, or use my funds where I clearly specify you have NO permission to do. REFUND THIS MONEY IMMEDIATELY! /signed/ XXXX XXXX XXXX XXXX, XXXX CC : Ohio Attorney General CFPB XXXX
06/21/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • NY
  • 11783
Web Servicemember
Hello, This complaint is about Discover Card and the way they handled my fraud investigation. I felt like I was treated like a criminal, when in truth I was the victim. In XX/XX/XXXX I had several fraudulent transactions on my Discover Card. I called into Discover with my financial advisor to address them and during the phone call I was disconnected. From what I know now they never addressed the claim because upon going over my books I saw that the charge was still there. So I called into Discover just recently to initiate a claim again so that they could address the charges and help me get my money back, what happened after that was just horrible. This started in the beginning of XXXX XXXX, initially I called into Discover to mark the charges as fraud and they said fine, everything would be ok and it may take some time to get the credit issued and the investigation done, but they would take care of it. About two weeks passed and nothing. So I called back with my financial advisor and they told me that the investigation was still pending but I could speak to a supervisor on the account. The young man that I talked to, XXXX, was just a horror. He made me feel almost criminal. He kept asking me " Ma'am Are you sure you do n't remember making these charges?! '' Like almost as if I had done something wrong by saying I did n't authorize the charges. I told him no that I did n't, and eventually he said that ok, the investigation would continue. When I got off the phone I was so shaken up that I wanted to cry. I kept trying to think of what I could have possibly done wrong for someone to speak to me like that. I mean it was almost like a movie scene where the police are interrogating a suspect. I almost ca n't describe the feeling. At that point I felt defeated. I told my financial advisor, who had been helping me through this that I never wanted to talk to those people again. He advised me that I was the one who got taken advantage of and that he did n't think the guy was taking out on me, just being overzealous about his job. I still felt absolutely horrible. Anyway, I did n't hear from them for some time so I called back in with my financial advisor on XXXX/XXXX/XXXX and they told me the investigation could take up to 90 days, although the next day I saw the credit on my account. However on XX/XX/XXXX I got a call from a XXXX who said she was a fraud Supervisor in the XXXX XXXX office of Discover card. We played phone tag for most of that day because I did n't want to talk to these people without my financial advisor on the line. They called so many times that day, at one point I said I feel like these people are harassing me. Once we finally talked to XXXX she said that my claim had been denied on the grounds that I had initiated the claim in XXXX and never followed through with it. I told her that that is the reason why I am calling, and the fact that I did n't get back to you is not because I finally figured out that I approved the transaction, I have a life. That does n't mean I gave these people my authorization to charge my card. Also, the fact that I only gave them the XXXX charge and upon further review of my books I actually saw another transaction that was not authorized and they denied both on the same grounds. My financial advisor mentioned something about them having to produce some kind of invoice or documents that I gave my authorization for the transaction, but they did not give me any of this. XXXX said she had done a google search and found one of these places on a fraud website!!! At that point I was flabbergasted. She had seen these people on a fraud website but want to hold me accountable for them? I just did n't know what to say. I still do n't understand why they did this to me. They say they have {$0.00} fraud liability, but held me liable for every single dollar. Please help.
08/04/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Having problems with customer service
  • GA
  • 30022
Web
My wife called Discover Financial Services* to inquire about how our recently turned XXXX year old child who just graduated from high school could possibly be targeted for loan and credit card solicitations. My child never has, is not now, nor does she have any plans to be employed for the next four ( 4 ) years as she will be going to college full time these next four ( 4 ) years. We were fascinated by these multiple solicitations and excited by the solicitations and of the potential for entering negotiations for a 0 % loan, payable under our terms and conditions. In our multiple conversations ( they have been recorded by Discover Financial Services** ) we have informed this predatory lender, Discover Financial Services* , that in my and my wife 's marriage of just short of XXXX XXXX ( XXXX ) years and our lives together ( we are XXXX in our XXXX 's ) other than a mortgage ( for income tax purposes ) we have NEVER, that 's NEVER, applied for a loan... NEVER. So, we are calling to " learn '' more based on their solicitations. We explained that we wanted to " learn '' from Discover Financial Services* how an XXXX XXXX XXXX XXXX year old as described above could get a loan. As it turns out, my wife and daughter were preyed upon by these predatory lenders to get our family to unilaterally agree to an application both online and via voice calls as the only way we can get information about their products. Not true as we have now discovered the hard way. There was never any intent by Discover Financial Services* to give my daughter a loan. And we were never going to allow the loan unless they were under our terms and conditions, not Discover Financial Services* terms and conditions. It is, as we found out after this horrible experience and as the CFPB probably knows, too, that there is no way, absolutely no way, Discover Financial Services* ever intended to loan an XXXX XXXX XXXX as described above any money without getting into the pockets ( credit ) of their parents. We have now discovered what Discover Financial Services* knew and harbored that information all along and in advance of coercing my wife and child into entering a loan application process. We know, unfortunately, now what a predatory lender is... it is Discover Financial Services*. Besides negatively marking up my daughter 's credit history, it has left her and our family with a very dirty feeling and feelings of being abused under the cloak of " federally required '' disclaimers. The term " federal '' providing comfort, but having worked 'against ' us. Once again, my family has never, NEVER applied for a loan before. I have asked that Discover Financial Services* remove the hard inquiry off my child 's credit history, but they continue to verbally paraphrase various recordings that we have no choice but to deny exist since they will not allow us to mutually hear those recordings... without a subpoena, a very suspicious claim as I am sure you will agree. Please open and maintain a complaint on our behalf against XXXX XXXX and XXXX XXXX the originators of the predatory script and coercive practices of Discover Financial Services*. As you can see, both parade their biographies online, yet when we attempt to follow up with them on their respective biographies and pitches / solicitations, they hide behind low level employees such as XXXX XXXX who are unaffiliated with their original solicitations. These employees simply make aggressive claims such as we ( Discover Financial Services* ) do not have to share the recordings unless I secure a subpoena and I must therefore accept their interpretation of the recordings and not our mitigation ( s ) of the recording. These employees are actually in full-time staff jobs to block access to the pitch men. For example, we have wasted multiple telephone calls explaining the same details
07/09/2015 Yes
  • Credit card
  • Other
  • NC
  • XXXXX
Web Older American, Servicemember
XXXX went into debt settlement program with XXXX Law Offices in XXXX, AZ and turned over two ( 2 ) DISCOVER accounts ( XXXX ) to XXXX Law Offices at a charge to us well over {$5000.00}. DISCOVER agreed to debt settlement however on XXXX/XXXX/XXXX DISCOVER filed a judgment XXXX ( XXXX XXXX {$15000.00} against my husband and on XXXX/XXXX/XXXX DISCOVER filed a judgment XXXX ( XXXX XXXX {$12000.00} against me. We did own a home at this time. XXXX Law Offices was telling us all along that all was going okay, not the case?! XXXX Law Offices instructed us on how to respond and we filed that response in the county we lived in at the time. DISCOVER and the FDIC had written us letters in this regard in XXXX and XXXX XXXX stating very clearly that no suits had ever been filed on either account and that the two XXXX 2 ) accounts were charged off in XXXX XXXX but that was a total LIE?! In XXXX and XXXX we experienced a job LAY OFF and we sold our home through " short sale '' to prevent foreclosure. At the time we were current in our mortgage payments however the mortgage companies refused to work with us. We sold off everything we owned to make ends meet and pay bills until we could find employment which was not easy with these two XXXX 2 XXXX judgments hanging over our heads?! We have been married XXXX XXXX years, I am XXXX ( XXXX ) and my husband is XXXX ( XXXX ) and we have never failed to pay our bills and we fully intended to pay these cards in debt settlement however we have since considered filing bankruptcy over the entire issue. We have contacted XXXX XXXX in the executive office of DISCOVER to date at XXXX XXXX XXXX but to no avail?! We live pay day to pay day. We will never own another home in our lifetime so DISCOVER can not attach that property. DISCOVER will end of with exactly zero XXXX -0- ) in all of this if they arenot willing to cooperate with us. We will not pay the balances shown as they are filled withadditional charges and fees that DISCOVER just added on because no one STOPS these lenders and banks from running over the Consumer?! They have XXXX attorneys who do nothing but make our lives miserable?! We have contacted these Attorneys to say that unless these two ( 2 ) DISCOVER judgments are removed from our credit history and profile in an expedient manner we will never consider paying DISCOVER anything since they have been on our credit history and profile since XXXX and were done after DISCOVER agreed to the debt settlement program with XXXX Law Offices. We did file a complaint with the XXXX and we were refunded our {$5000.00} from XXXX Law Offices which was applied to bills and making ends meet. Allowing these lenders and banks to run over the Consumer is greatly unfair and needs to be STOPPED. We are still trying to come back from these job LAY OFFS and we pay our bills on time as we did before all of this happened to date but these two ( 2 ) DISCOVER judgments need to be dropped off completely without further delay so we can keep employment and pay our billsand if DISCOVER ever expects ANY funds from us we will not ever consider that unless these two ( 2 ) DISCOVER judgments are removed from our credit history and profile as they we done unfairly and without consideration for our financial situation at the time XXXX Law Offices filed them?! XXXX Law Offices was supposedly handling these two ( 2 ) DISCOVER accounts ( XXXX ) when these two ( 2 ) DISCOVER judgments were filed against us?! How can we pay bills without a job which is greatly jeopardized by these two ( 2 ) DISCOVER judgments hanging over our heads and if we have no employment DISCOVER still gets ZERO ( -0- )?! We are so sick and fed up with the way lenders and banks treat the Consumer and no one will make the effort to STOP itto date?! We had such good credit at one time we had too much credit but that has changed.
10/07/2015 Yes
  • Credit card
  • Credit card protection / Debt protection
  • PA
  • 15221
Web Older American
XXXX XXXX ( XXXX ) XXXX, finance manager from XXXX spoke with me back on XXXX XXXX, 2015. XXXX XXXX explained that as a finance manager he could help me to consolidate credit card debts into XXXX card with zero interest for a 48 months. I was agreeing with this until on XXXX XXXX, 2015, I received a telephone call questioning an overseas purchase for {$1900.00}. I immediately reported no to the question and thanked the person. As I began to think about the telephone call. XXXX XXXX telephone to ask about why I denied the purchase. I reported to XXXX XXXX that I was not in the habit of dealing with overseas merchant purchase. I was no longer interested in continuing this credit consolidation. Especially now that I was going to have increase of XXXX additional credit cards. When I only had XXXX credit cards. With a higher interest for only 12 month of zero interest. I was now feeling that XXXX XXXX was not forthright and honest with me about this whole transaction. On XXXX XXXX, 2015, I telephoned XXXX XXXX credit Card Company to report that fraud was occurring around a debt consolidation. XXXX XXXX reported that account opened in my name would be closed. Preventing any balance transfer to transpire in my name or account. Then I telephoned Discover Credit Card Company on, XXXX XXXX, 2015. XXXX XXXX told me that would close the account at once. Discover ( XXXX XXXX ) told me the transaction would not be processed. Next I was transferred to the fraud department again assured the transaction would not be processed. Then XXXX XXXX transferred my call to the department fraud is now being investigated. Then I began to receive suspicious telephone calls about what is my Discover credit card number for verification from a person that said her name was. XXXX. This was a follow up courtesy call for me. Since I have been a customer in good standing. Upon finishing the call, I made a follow up call back to Discover. I asked if this was a policy. The answer was no. Also I asked if there was zero interest for 46 months. The answer was no. It was again confirmed to me the fraud was under investigation. On XXXX XXXX, 2015, XXXX XXXX telephone to report to me that this was not a fraud but a scam. I do owe the balance on the Discover credit card. I requested the credit card account number. XXXX XXXX reported that he was not at liberty to tell me. Then I stated to XXXX XXXX that scams or not consider fraud & legal by Discover. XXXX XXXX reported this is not fraud only a scam. I ended the telephone call. Then made a follow up to call customer service ( spoke with XXXX XXXX ) from Discover. This telephone call I requested a copy of the XX/XX/XXXX statement as well as all statements. When was the new credit card sent to my address? The replacement card was sent back on XXXX XXXX, 2015, as was the statement. Then I asked more importantly where is the credit card itself, now? There was not response given to me. Now I am wanting written understand why now Discover is reporting to me that this is a scam not fraud? How Discover interprets a scam as not a part of fraud? How is it that Discover would appear to sanction a scam to transact a partial balance transfer in order to sanction several credit card accounts to XXXX individual without ensure the individual has prior written knowledge of Discover plan of action. When I reported to Discover Credit card Company of my suspicions around miss leading information given to me. With my verbal request not to follow through with any transactions from Credit Card Services or XXXX XXXX XXXX. I would requesting the following from Discover : All accounts in my name combined into XXXX single new account ; the new account balance of only {$6100.00} ( the amount transferred ) at a 0 interest for the existence of the balance pay off or for a time frame of 24 to 36 months.
07/26/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • PA
  • 19454
Web
I received an ad from Discover about their " Discover it Cash Back '' credit card, signed up, and was accepted. I started using the card on XX/XX/2020, and continued to use it regularly through the current time ( XX/XX/XXXX ). In the original ad, Discover had a list of features with check marks indicating the features that this particular Discover card had, as well as which of four other non-Discover cards had the same features. As you might imagine, the " Discover it '' card was the only one that supposedly offered all of the features. One of the features that was particularly attractive to me was this : " Redeem your rewards for cash at any time '' ( see attached scan of ad ). None of the other cards listed were supposed to offer this feature. I thought it was strange that the Discover ad listed the " XXXX XXXX XXXX Cash Rewards Credit Card '' as NOT having this feature. I have that card, and my cash back generally posts within about 24 hours of the time a transaction posts, and I can cash it out any time ( even before a statement is generated, and even if I only have {$0.00} in cash back ). The only reasonable explanation for this statement would be that the Discover card being advertised did not even make me wait for the 24 hours after posting ( as my XXXX XXXX card does ). So, when I started using my Discover card and cash back did not immediately become available, I felt a bit deceived. However, I did not immediately contact Discover about this issue. I did contact them to ask when my statement date was, and I was told it was the XXXX of each month. So, I assumed that by today ( the XXXX ), my statement would be generated and I would have access to my cash back for the transactions that had posted. Again, I feel that this would already be contrary to what was promised ( that Discover would offer my cash back at " any time '' when XXXX XXXX supposedly did not ), but I was willing to wait until today. Upon checking my account today, no statement was generated, and no cash back was available. I contacted XXXX, and they claimed that since I had a new account, my first statement would be delayed until the XXXX of the following month XXXX XXXX XXXX. After being given that response, I finally decided to bring up my issue with the availability of cash back. I also asked why, when I asked what my statement date was, was I told that it was the XXXX, with no additional details that there would be no XXXX statement. I expressed that I was already irritated that cash back was not immediately available, as the ad indicated, but now that they were pushing it back an additional month, I really needed to know why the ad was false. I was told that I would have access to my cash back at any time, but only once it was issued on my statement date. While I feel that it is deceptive not to have explicitly disclosed that on the ad, I suppose that legally, that's a statement they could make. However, I asked that if they considered that policy to be allowing their customers to " [ r ] edeem [ their ] rewards for cash at any time [, ] '' how did they justify stating that XXXX XXXX 's XXXX card did NOT offer that feature, when I can literally request cash back in any amount within 24 hours of the transaction posting, even with no statement being generated. They did not have a reasonable answer to this question. As a result of Discover 's falsely represented ad, I signed up for their card. In doing so, my credit score was lowered. Of course, I knew my credit score would be lowered applying for a credit card, however, I also expected that, if I was accepted, I would actually be given the features promised in the ad, which was ( among other things ), more/better access to my rewards than what is offered on my XXXX XXXX XXXX card. In contrast, I am offered drastically less access than on that other card.
11/29/2015 Yes
  • Credit card
  • Credit card protection / Debt protection
  • CA
  • 95014
Web
I applied Discover Cash credit card XX/XX/2015. I started to use the card roughly on XX/XX/XXXX until XX/XX/XXXX. On XX/XX/2015, after online chat with a representative of Discover, I transferred some money to the Discover card so that I had more money to spend other than my credit line. To be clear, I paid off my balance on time so I had total credit line. On XX/XX/2015, I was going to purchase an item in a XXXX XXXX XXXX. The amount I was going to spend was within my permitted credit line. The credit card did n't go through. I received a message and an email from Discover requesting me to verify the transaction, which I did. However, I still could n't use the card even after I verified the transaction. Then I called Discover. In next TWO hours, I had been kicking back and forth from the Security department and the Billing department. The security department said with very disrespectful attitude : " The security hold has been cleared in your account. I do n't see any problem. You either let me transfer you to billing department or you have to try another day. There is nothing I can do about it ''. By that time, it had been TWO hours, I was exhausted so I gave it up. Two days later ( XX/XX/XXXX ), I called Discover to see if the card is available to use. One of the representatives said there was no problem. To confirm, I called the security department. The lady asked me a couple of security questions. I provided my card number, the XXXX security number of the card, my SSN, my name, my mother 's maiden name, and in what state I got my social security. I answered every question. All of a sudden, the lady said : " I can not talk to you anymore, your card is under review now '' I asked " why '', she said because there was XXXX question I answered wrong and refused to talk to me further and said " if I tell you which question you answered wrong, you would be able to look for the right answer ''. Several days later, Discover send me an email saying that they need to talk to me so I called them. The same thing happened. When they asked me " in what state you were issued the SSN '', I asked my husband to confirm my answer because last time, I was told that one of my answers was wrong. They asked me very rudely '' who are you talking to? ". I explained that I have moved XXXX states last year so I just want to get a confirmed answer from my husband. After I answered that question, I was told I was wrong and put my account under review once again. Here are the complaints I have : ( 1 ) Discover has been advertising that they will provide certain double cash back to the customer who enrolled their Cash credit reward program, which is the only reason I applied its credit card. Among the cash back that Discover promises, the purchase in department stores will be rewarded one of the highest cash back. I noticed that many people can not use Discover card in those department stores. I was stopped from using the card for no reason. ( 2 ) They have been very inconsistent and waisting my time. When I first call Discover, the customer service from the billing department said the negative balance was because I had overdrawn above my credit line. I had to explain to them that the negative balance was the money I transferred to my Discover account, and means Discover owe me money. And Discover credit card would not allow me to overdraw. ( 3 ) They refuse to talk to me to solve the issue. I do n't think I put the security question like " in what state my SSN got issued ''. And I do think my answer is correct. Even if I missed this one single question, I answered other questions correctly. There got to be some way to resolve it instead of putting me under review again and again without any point. I ca n't help thinking they want to stop my account activity until the double cash back policy expires.
12/28/2016 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't decrease my monthly payments
  • DE
  • 19810
Web
First, I would like to provide you with some background and understanding. I have a private student loan with Discover, roughly in the amount of {$80000.00}, including interest, that was borrowed at a very high interest rate, due to the fact that it was borrowed around XXXX, when the economy collapsed. This loan was used for my XXXX degree. I graduated from XXXX XXXX University in XXXX. It is now XXXX and I just graduated XXXX this past spring. I am now employed full-time in a XXXX XXXX job as XXXX, making roughly {$50000.00} per year. I am now ready, willing, and able to make payments every month on my Discover loan and all the other loans I have. However, in addition to the Fed Loans I am paying off from XXXX, I am also making payments on other significantly large private loans used for my XXXX degree. Needless to say, an extremely large portion of every paycheck goes towards paying off these loans. When you take that expense, plus all the other expenses of living, I am in dire need to get my student loan payments lowered. Therefore, I recently contacted my borrowers in an attempt to get my payments lowered. The only borrower who has not been willing to significantly lower my payments has been Discover Student Loans. After my phone call with them today, I have spent roughly 20 hours on the phone with them trying to find someone who has the authority to help me. The first ( and still only ) payment reduction they have offered me is lowering my current payment of {$840.00} to {$770.00}. That is a reduction of {$70.00} on a {$800.00} monthly payment. To me, this reduction is laughable when you compare it to the other private loan payments I have had lowered. For example, the next largest private student loan payment I have is with XXXX. That payment was lowered from {$820.00} per month to {$280.00} per month. That is why I have spent so many hours on the phone trying to find someone who can meaningfully lower my payments. This brings me to my complaint ... I finally got in touch with a gentleman by the name of XXXX, who claims to be the head of Discover 's Payment Assistance Department. Our initial conversation gave me hope, as he told me that if there was anyone who could get my payments lowered, it was him. After over a month of phone conversations with XXXX, I have been offered time and time again the same laughable {$70.00} reduction on a $ XXXX monthly payment. I explained that I am simply looking to have my payments temporarily lowered until I can pass the XXXX and get a pay increase. Discover currently offers a few options to get your payments lowered temporarily. However, there is only XXXX program that significantly lowers them, called their " Hardship '' program. The reason this is the only option that significantly lowers it is because it is the only option that actually temporarily lowers the interest payment. Without that, the lowest your monthly payment can be lowered is 10 % above the total amount you earn in interest every month. For me, this is the {$770.00} every month. This is not something I can afford. I am submitting a complaint because I have repeatedly asked the head of Discover 's Payment Assistance Department to tell me why I am being denied the " Hardship '' Program that would actually give me the temporary help I need. First, XXXX told me that he could never tell me why I am being denied that program. Then XXXX told me that he did n't know. Then XXXX told me that he did n't know but that someone who did would send me a letter telling me specifically why I in particular am being denied the " Hardship '' program. XXXX told me I would receive the letter within a week. That was a month ago now. I called to see why I had n't received it and XXXX told me that it was because the guy who sends the letters was on vacation. XXXX and Discover are both liars
09/28/2019 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Unexpected or other fees
  • CA
  • 92223
Web
IT WAS DISCOVER CREDIT CARD COMPANY. I HAD ABOUT {$2900.00} TO PAY OFF THIS AMOUNT IN THE MONTH OF XX/XX/2019. I WAS MAKING MY PAYMENTS WITH NO PROBLEM WITH THIS COMPANY ABOUT, NOT RECIEVING ANY OF MY PAYMENT FOR ABOUT ONE YEAR. I MAILED PAYMENTS TWICE TO DISCOVER. THEY KEPT MY PAYMENTS ON HOLD. ON SEVERAL CALLS MADE, DISCOVER DENIED OF NOT RECIEVING MY PAYMENTS. I WAS GREATLY DISAPPOINTED WITH DISCOVER. THIS COMPANY FULL KNOWLEDGE OF THE IMPORTANCE OF PAYING OFF MY BALANCE BY XXXX XXXX. THEY JAVE THE IDEA THAT I HAVE XX/XX/XXXX FOR MY PROGRAM - NO INTREST FEE TO EXPIRE. I WAS ACTUALLY EMOTIONALLY AND FINANCIALLY ABUSED MENTALLY AND FINANCIALLY WHEN DISCOVER DENIED FROM THE FIRST WEEK OF XXXX TO XX/XX/XXXX OF NOT RECIEVING MY PAYMENTS SND LATER CSSHED MY CHECK. THIS ISSUE CAUSED ME A LOT OF DAMAGE TO MY FINANCIAL NEEDS, SUCH AS MORTGAGE, SCHOOL, BILLS AND OTHER CREDIT CARDI NOT BEING ABLE TO BE PAID IN THAT XXXX MONTH, ON ATTRMPT TO FIND ANOTHER SOURCE OR MEANS TO PAY THE SECOND TIME TO THIS COMPANY. IT SUBJECTED ME TO A VERY DIFFICULT SITUATION/HARDSHIPS AND LATE PAYMENTS CHARGES ON ALL OF MY PAYMENT, INCLUDING MY MORTGAGE, SCHOOL, BILLS, CREDIT CARD PAYMENT. DISCOVER DISRUPUTED MY FINANCIAL PLANS/NEEDS BY DELAYING AND HOLDING ALL MY PAYMENTS MADE TO DISCOVER, WHICH WAS IN TURN WAS AFFECTING THE BALANCE UPDATE OF MY ACCOUNT. EVEN, ON SEVERAL ATTEMPTS OF CALL MADE TO DISCOVER, TO FIND OUT A REFLECTION OF PAYMENT MADE TOWARDS MY ACCOUNT, REMAINED THE SAME BALANCE ON TWO SEPARATE PAYMENT MADE TO THIS COMPANY. I CALLED TO SPEAK TO CUSTOMER SERVICES AND EVEN REQUESTED SPEAKING WITH SUPERVISORS AND I WAS TOLD MY PAYMENT WAS NOT RECIEVED. THIS IS THE SAME ADDRESS THAT I HAVE ALREADY MADE MY PAYMENT. THIS IS ACTUALLY WHAT HAPPENED OR THE INCIDENT. I WAS VERY MUCH SERIOUS, DESPERATE AND EAGER TO PAY OFF MY BALANCE BEFORE XXXX XXXX TO AVOID BEING SLAMMED WITH INTEREST RATE DEFERRED FOR ONE YEAR. I HAVING BEEN MAKING MY PAYMENTS WITH NO PROBLEM. SO, AS I AM AWARE THE PERIOD TO PAY OFF IS GETTING CLOSE, I DECIDED TO PAY MORE ON MY ACCOUNT. I MAILED A PAYMENT OF {$1500.00} MONEY ORDER ON FIRST WEEK OF XXXX, MAILED TO DISCOVER. I CALLED DISCOVER AFTER ABOUT 7-20 DAYS TO CONFIRM MY PAYMENT RECIEVED. DISCOVER DENIED OF NOT RECIEVING MY PAYMENT. IN THE SAME MONTH, XX/XX/XXXX, I MAILED ANOTHER FEE, CHECK OF {$500.00} TO DISCOVER. I CALLED DISCOVER AFTER 10 DAYS. THIS COMPANY DENIED OF NOT RECIEVING MY PAYMENT AGAIN. I WAS DEVASTATED, SUBJECTED AND IMPOSED TO PAY ANOTHER FEE/2ND TIME OF THE AMOUNT OF {$2000.00} OVER THE PHONE, INCLUDING THE REMAINING BALANCE OF {$400.00} PLUS TO PAY OF BALANCE BY XX/XX/XXXX. FOLLOWING, MY INVESTIGATION OF THE MONEY ORDER MAILED, I WAS INFORMED MONEY ORDER WAS KEPT ON HOLD AND NOT CASHED. I CALLED MY BANKS TO FOLLOW UP WITH THE WRITTEN TO DISCOVER, I WAS ALSO TOLD CHECK WAS NOT YET CASHED. THIS IS WHERE, I KNEW THST DISCOVER CREDIT CARD COMPANY IS PLAYING S GAME TO HOLD SLL PAYMENTS MADE TO THEM, TO BUY OUT MORE TIME AND AS TIME GOES, THE DAYS GOES BY TO XXXX XXXX, THEN WILL THEY APPLY THE INTEREST RATE TO MY ACCOUNT. I WAS SUBJECTED TO USE ALL THST I HAVE TO FEED AND PAY MY BILLS TO PAY FOR A SECOND TIME. I CALLED MY BANKS AGAIN, AND WAS TOLD DISCOVER CASHED THE {$500.00} CHECK ON XX/XX/2019. I WAS ALSO FORCED TO CANCEL THE MONEY WITH A CANCELLATION FEE. NOW, I OVERPAID DISCOVER WITH {$500.00}, OF WHICH AS OF THIS DAY, I HAVE NOT RECIEVED THE OVERPAYMENT. I, AM THEREFORE ASKING DISCOVER TO PAY ME THE AMOUNT OF {$2000.00}, THAT THEY MADE AND SUBJECTED ME TO PAY THE SECOND TIME. WHEN, THEY HAD ALL MY PAYMENTS ON HOLD TO PURPOSELY AND INTENTIONALLY DELAY MY PAYMENTS TILL AFTER XX/XX/XXXX. SECONDLY, REFUND ME MY {$500.00} PLUS OVERPAYMENT TO ENABLE ME GET MY MEDICATIONS AS SOON SD POSSIBLE. THANK YOU SO MUCH FOR YOUR SUPPORT AND UNDERSTANDING.
02/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 117XX
Web
According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 section 602 ( a ) states " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, XXXXXXXX XXXX XXXX are credit agencies and I am the Consumer. It is my lawful right to make sure my information is kept private and is not shared. 15 USC 6801, which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information, '' supports my claim. DISCOVER STUDENT LOANS, XXXX XXXX, and DEPTOF EDXXXX are financial institutions by definition under this title. 15 USC 1681 section 604 ( a ) section 2 states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer repot under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates ''. The financial institutions, DISCOVER STUDENT LOANS, XXXX XXXX, and DEPTOF ED/XXXX along with the consumer reporting agencies, XXXX, XXXX, and XXXX, did not and do no have my consent to furnish this information nor did they have or do they have my written consent. Any and all consent to XXXX, XXXX, XXXX, DISCOVER STUDENT LOANS, XXXX XXXX, and DEPTOF EDXXXX, whether it be written, implied, verbal, nonverbal or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " a financial institution may not disclose nonpublic information personal information to a nonaffiliated third party unless -- - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. DISCOVER STUDENT LOANS, XXXX XXXX, and DEPTOF EDXXXX never informed me of my lawful right to exercise my nondisclosure option. Along with that, 15 USC 1681C ( a ) ( 5 ) states " except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of he following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items they are reporting again without my permission which is against the law. On top of this, 20 USC 1232g ( b ), which is The Family Educational Rights and Privacy Act ( FERPA ), is a federal law enacted in 1974 that protects the privacy of student education records. DISCOVER STUDENT LOANS, XXXX XXXX, and DEPTOF EDXXXX violated this law by sharing my educational records with credit reporting agencies. 5 USC 552 ( a ) ( b ), which is the Privacy Act of 1974, states " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of the individual to whom the record pertains ''. Again, these financial institutions and credit reporting agencies did not and do not have my written consent. 15 USC 1681s-2 ( A ) ( 1 ) states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ''. 15 USC 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states " a consumer may exercise the right to opt out at any time ''. I am opting out of these reporting services.
10/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 324XX
Web
When Discover Bank granted me a {$4500.00} loan, all they did was take {$4500.00} of actual cash value from me and transferred it to themselves ( Discover Bank ) for free. The bank XXXX Discover Bank ) did not loan one cent of other depositors ' money for the {$4500.00} promissory note. They did it by recording the promissory note as a loan from XXXX XXXX to the bank. The bank then used the {$4500.00} they obtained from XXXX XXXX to create {$4500.00} of new money called checkbook money. Checkbook money has equal value to legal tender because the promissory note can be sold for legal tender. Then the bank uses the newly created checkbook money ( counterfeit money ) to transfer the stolen {$4500.00} back to XXXX XXXX ( the victim ) as a bank loan. LAWSUIT WILL BE FILED IN 30 DAYS IF NOT RESOLVED The lawsuit will allege the following : 1 ) The defendant ( DISCOVER BANK ) advertised that they loan money. 2 ) The plaintiff ( XXXX XXXX ) applied for a loan. 3 ) The defendant ( DISCOVER BANK ) refused to loan the plaintiff legal tender or other depositors ' money to fund the alleged bank loan check. 4 ) The defendant ( DISCOVER BANK ) misrepresented to the plaintiff ( XXXX XXXX ) the elements of the alleged agreement. XXXX ) The plaintiff 's ( XXXX XXXX ) bona fide signature does not appear on the alleged promissory note, because he always puts a 2 cent stamp and signs in BLUE ink from top left to bottom right on stamp at a 45 degree angle on promissory note. 6 ) The copy of the promissory note is a forgery. 7 ) The alleged original promissory note could not be pro- duced by the defendant bank ( DISCOVER ) with the plaintiff 's name on it : said copy purports to obligate the plaintiff ( XXXX XXXX ) to pay {$4500.00} plus interest, giving it value today of {$4500.00} if it were sold to investors. 8 ) The defendant bank ( DISCOVER ) recorded the forged promissory note as an unauthorized loan from the plaintiff to the bank as evidenced by a new bank asset and liability. 9 ) The bank recorded an unauthorized loan having actual cash value of {$4500.00} from the plaintiff to the bank. The bank returned {$4500.00} actual cash value back to the plaintiff. The bank ( DISCOVER ) made false statements claiming the unauthorized loan that they returned back to plaintiff was actually a loan from them to the plaintiff. 10 ) The defendant ( DISCOVER BANK ) believes Plaintiff ( XXXX XXXX ) agreed to loaning the forged promissory note to the bank which in turn funded the loan from the defendant bank ( DISCOVER ) back to the plaintiff ( XXXX XXXX ). Further, the defendant bank believes they have no obligation to repay the unauthorized loan from the plaintiff to themselves. The plaintiff 's signature never validated such an unauthorized transaction. 11 ) By their refusal to loan other depositors ' money or legal tender as consideration to obtain the alleged promissory note, and by recording the alleged forged promissory note as an unauthorized loan from the plaintiff, the bank ( DISCOVER ) changed the cost and the risk of the alleged loan. 12 ) The defendant bank claims they will be damaged if the plaintiff refuses to repay the loan, but the defendant refuses to acknowledge or repay the unauthorized loan from the plaintiff to them. They already closed out my account, but did not zero my balance. Then they had the nerve to send it over to the Credit Reporting Agencies as a closed account with a balance unpaid. They purposely have harmed me, cost me higher interest rates and have cost me in POSTAL MAIL RETURN RECEIPT CARDS for proof of mailings. Listed below is all the ARTICLE NUMBERS for letters sent. Please have them produce the documents sent that is attached to these numbers. XXXX. ) RF XXXX XXXX XXXX. ) RF XXXX XXXX XXXX. ) XXXX XXXX. ) XXXX XXXX. ) XXXX XXXX. ) XXXX
07/19/2017 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Keep getting calls about your loan
  • NY
  • 11561
Web
To Whom it May Concern, I originally took out variable rate private student loans with Discover Student Loans to pay for my XXXX education at the XXXX XXXX XXXX XXXX XXXX. I then went on to XXXX XXXX at XXXX University, where I was able to secure Federal Loans and pay monthly on an IBR Plan. At or near the beginning of XXXX, I began to have extensive discussions with Discover Bank/XXXX XXXX regarding re-payment. I informed them of my rather low income and my living situation, which made it near impossible to even pay 10 % of my required monthly payment of over {$2000.00} a month. During these discussions, they offered me the ability to temporarily pay close to nothing, but interest would collect at an alarming rate. Therefore, it made sense to pay whatever I could, which I did and continue to do. From approximately XXXX to XXXX, I received calls every day that were bordering on harassment, which is in direct violation of the FDCPA, specifically 15 USC 1692e ( Section 806 ( 5 ) ). The content of these calls was emotionally damaging. For example, one representative informed me to " quit my job and move home with my parents '' and went so far as to say " thats what I would do in your situation ''. While this may be sound advice for that representative, it was extremely hurtful as well as inconsiderate. What if this Discover Student Loan representative told this advice to someone who XX/XX/XXXX their XX/XX/XXXX or had a parent that XXXX abused them. During the time of these calls, I continued to pay a small portion of my monthly payment, yet the calls did not end. I was forced to forward a cease and desist letter specifically detailing the types of harassment I was experiencing. Rather than ceasing to stop communication as is required by 15 USC 1692d ( Section 805 ( c ) ), Discover Student Loans continues to send me emails on bi-weekly basis stating I owe them X amount, despite the fact that this is drastically higher than my actual minimum amount due. The above-mentioned FDCPA Section 805 ( c ) specifically states : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt.I have continued to pay what I could throughout this process. Despite this clear reading of the statute, they continue to communicate with me in different forms of communication such as email and regular mail stating that a balance is due which is higher than my actual minimum payment. These tactics are beyond a violation of the strict reading of the FDCPA. Throughout the process, I have been emotionally ostracized and been thrown to lows that no other person should have to go through. Rather than offering me a payment plan that I could meet, Discover offered no repayment options that were remotely reasonable. In addition, they refused to re-consolidate my loans or inform me of their policy to not re-consolidate their original loans that were above a certain monetary threshold. Despite the above-mentioned violations of the FDCPA, I continue to pay towards my debt with Discover every month. The tactics used by Discover and XXXX XXXX are outside of the scope of protected debt collection practices set by FDCPA.
09/30/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • XXXXX
Web Older American
ATTACHMENTS INCLUDED. THIS IS NOT A DUPLICATE COMPLAINT FROM A 3 YEAR ORDEAL! At the end of the complaint, I am swearing that this complaint is truth. I was frustrated after receiving recent letter dated XXXX and contacted Discover. I was asking of settlement BUT I clearly stated I was not accepting any debt or blame. I will use care how I word this letter to prevent any misunderstanding. The credit card was mine. The credit card was stolen. There were unauthorized purchases and unauthorized payments that Discover allowed so the credit limit could be exceeded. I have previously sent a XX/XX/XXXX sheriff 's report and FTC identity theft reports. Isnt it odd that on XXXX, a regular payment is made and then the next day a large fraudulent payment is made from another bank? OK, a thief caught Discover once but then how are additional multiple insufficient payments made in such a short time without Discover taking action? Regardless of what you heard from others ; this should have never happened. And how can money be instantly available from 4 payments before any are presented and cleared through XXXX XXXX? Is it a software issue or clerical error that assists thieves? When people think of large companies, they think of cutting-edge technology that protects against thieves and protects their private information in this day and time. The bad payments are Discovers error because of inefficiency. I never had an account at XXXX XXXX and I was not aware nor authorized the large payments that were drawn upon XXXX XXXX in XXXX. I was not using the card but paying it off. I was just recently, 2 months ago, designated a XXXX survivor by XXXX XXXX. I had XXXX XXXX and definitely no time for a lady and definitely did not refer to anyone as my wife. And then Discover claims I assumed responsibility for all the charges of the thief and the bad payments that Discover allowed. I have never dropped the claim. The events given by Discover of me so called dropping the claim are bizarre. What were the phone numbers Discover used to call me and what were phone numbers used to call Discover? I never referred to a thief or anyone as my wife. I have not been married since XXXX. Investigate the court records. Why would I file a sheriffs report and then two days later, not receive a call, but call, give Discover authorization to talk to someone, and claim she is my spouse????? This was instigated because the card was used to pay probation fees to XXXX XXXX County XXXX and any problems would have canceled probation. Has Discover ever researched the charges to XXXX XXXX County. Then it should become obvious she was doing anything to stay out of jail. Four other credit cards were used the same way and is why I filed sheriffs report. I never talked to Discover nor received the XX/XX/XXXX letter reflecting fraud claim was dropped. In XX/XX/XXXX, I saw the letter when I received the CFPBs response from Discover Card. Discover further states in one letter It is noted that each return payment, notification was sent to your address of reference and none of the above were returned by the USPS as undelivered. I never received any of these. During this period of time, my mailbox was being robbed. This same person sweet talked someone at XXXX and accessed my corporate account. 5 XXXX were purchased and then stolen from my mailbox. I do not know what all was stolen. My mailbox is a rural mailbox mile from my home. See attached picture. SUMMARY Discover allowed 4 bogus payments that can not be excused by what someone told them later. I have never canceled theft claim. I have never referred to anyone as my wife. I never contacted Discover on XXXX nor did I receive the XXXX notification I was dropping claim. I never accepted the theft payments nor charges. I will notarize this complaint if required.
01/05/2016 Yes
  • Credit card
  • Transaction issue
  • MI
  • 494XX
Web
I have been a Discover card member since 2011 and have never had an issue with services until recently. Noticed an email message sent to me XX/XX/XXXX that a transaction had been declined due to insufficient credit line to cover the cost. After checking into the issue further, discovered that I had been twice XX/XX/XXXX and once XX/XX/XXXX for a product I did not order, want or receive. Amounts were approx. at XXXX ; XXXX and XXXX. The charges were from a merchant I had ordered samples from XX/XX/XXXX, needing to pay only shipping and handling. I did not want or order anything else. I filed formal disputes with Discover and eventually had " temporary credits '' applied to my account, with the understanding that if the dispute was not resolved in my favor following investigation, the credits would be reversed. During this time, I had several conversations and " secure messages '' with Discover customer service reps. Each rep had a different response and direction for me to take. I ended up contacting the merchant myself and received confirmation from a rep of the merchant both verbally and by email that my " account would be cancelled along with any further orders. Also, my " payment source '' - Discover, would be receiving a refund for the amounts in question. Finally, after many hours spent on trying to resolve issue on my own, the credits were made to my account. When my XX/XX/XXXX status was updated, Discover had " removed the temporary credit, and added back on the XXXX because the merchant had issued me a credit for the amount.. ''. I did not receive a refund from the merchant, and because the dispute was resolved in my favor, it is my understanding that the issue had been resolved. Each incorrect charge had been credited to my account, and I did not expect to be billed back the charge oif XXXX because the merchant indicated that my payment soiurce would receive the refund. I do not believe I should be getting charged again for something that had been resolved in my favor. I have not been refunded twice for any amount, though this seems to be Discover 's position of the issue. I have tried resolving the problem with Discover secure messages and by " live chat ''. The chats are always discontinued after I take the time to try and explain my position and the time I continue to use to resolve the problem is wasted. I did explain that I would be taking this step if my issue was n't resolved but the charge back remains taken from my available credit. It is also worth noting that in XX/XX/XXXX just prior to XXXX I had an unexpected death In my family and I phoned Discover to ask about where I could get a cash advance. I was referreed to banks that Discover does n't use and I was not only embarrassed in public, but was also left to be on my own to find somewhere to go. to obtain cash.. When I called for assistance and to express my dissatisfaction, it was suggested that I look into requesting a credit line increase to assist with getting some additional help with cash needed at the time. I explained that I thought such a request would be too early since I received XXXX automatic increases within past six months. XX/XX/XXXX would be okay to obtain another increase, so I did so. When I completed my request, a message came up that said I would be notified beforehand if a credit inquiry would be needed. I never was notified that such action would be needed, but my request was denied so this would result in my credit score taking a hit. I would never have pursued with my request for an increase if I had known this would be needed - especially after the XXXX automatic increases without my requesting them. I am not being treated fairly here in more than one instance, and most recently the charge being added back on my account because merchant had made a refund already???
12/18/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 33444
Web
Dear Sir or Madam, I understand now exactly why this bureau was created to help the people of the United States. My father was a part of the greatest generation ever ( XXXX XXXX XXXX ) and is no longer with us. I mention this because it pertains to the disgust and mistreatment that I have endured with Discover. I and my wife personally have a couple accounts with them, all in perfect standing. The first account that I opened was several years ago. I always check and monitor my credit closely. Not to mention, maintain a 100 % payment history. Again, I have never missed or been late on a payment. This is true, not just with Discover, but with EVERYTHING. This is true, even during a recent life threatening accident that my wife had and the death of my father. To my astonishment, I received an electronic letter from Discover the night of XX/XX/XXXX, stating that my account had been closed arbitrarily, without me knowing about it. This account was in PERFECT standing with a XXXX balance. When I inquired why, I was simply told that the reason was that I hadnt used it in a while. My wife and I have spent thousands with Discover, just this past year alone, and with the recent afore mentioned events, werent really thinking about which account or accounts we were using. Needless to say, any DECENT human being should be able to understand this. Furthermore, upon reaching out to them, I spoke with three individuals. Two of which seemed to be somewhat compassionate and understanding, frankly wanting to help. However, one such individual, named XXXX, was so disrespectful to me that I couldnt believe he actually said what he said. As I simply asked that my account be reopened, mainly due to the fact that it was in excellent standing with a XXXX balance, he responded to me by saying the following : Discover was in the business of making money, and that by not using the account I was actually costing them money. Well, I wasnt born yesterday and I have an XXXX in XXXX, I am more than FULLY aware that is absolutely false and a flat out lie. When I asked him what costs he could possibly be referring to, he gave me totally ridiculous reasons, such as sending emails, providing me with my credit score, and simply keeping the account open on a computer screen. Although, these were all completely asinine, the worst part of it was that I wasnt treated like a good client or even a human being, even after I mentioned the death of my father. He simply said that they didnt care if I was a happy customer or not and that FRANKLY, I wasnt making them any money. Not only is this not true because of the usage from three other accounts totally over {$20000.00} throughout the course of this year alone, but even if it was, that is not a justifiable reason to treat me as such, much less, blindly close my account. I am completely disgusted with such a ridiculous situation and by the way I was treated. I even offered to use the card immediately, if they really wanted me to. Simply, all they had to do was send me a communication, perhaps with an offer or an incentive, and I would have been happy to use the card for something. This treatment makes no sense and is really bad business on their part. I ask that you aggressively pursue a just resolution on my behalf and strongly suggest that Discover research the representative, XXXX, with whom I had the unfortunate pleasure in speaking with. Anyone with common sense or any sense of decency at all, would be able to understand that this is no way to treat a good client, and more importantly a person who has recently suffered personal trauma and a tragic loss. Their actions are disgusting and deplorable, making no sense even from a FINANCIAL perspective. I thank you in advance for your follow up in regards to this matter and to a hopefully swift resolution.
11/19/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 358XX
Web Servicemember
The trouble with these " FORMS '' is that the categories are NOT complete for every type of complaint. My complaint is with the DEBT CHARGING Tactics and DEBT Collection Tactics of Discover. This is NOT the first time this has happened and I am not convinced that it is accidental. I believe it is willful and an attempt to defraud ( mail fraud, wire, fraud, theft by deception-take your pick ). Discover will call if a payment has not been made on the exact date of the due date ( even if I paid in advance ). With these phone calls, they pressure to PAY in advance. I paid a payment of {$120.00} on XX/XX/XXXX ( online ). They phoned me two days later to complain that the payment amount was {$18.00} less than the minimum and that it was now late. So to avoid late charges, they wanted both the {$18.00} and the XX/XX/XXXX payment. I do n't remember agreeing to such transaction. However Discover states that I agreed and set up a future e-payment for XX/XX/XXXX. Now on today, XX/XX/XXXX, Discover called me to tell me that I was NOW late for the XX/XX/XXXX payment and that the " future '' payment that we set up XX/XX/XXXX had been returned. Ordinarily I would not have questioned this tactic because I thought Discover was a reputable company. However I knew there was some deception in that statement because I have money in the bank ( never a XXXX balance ) and I have " overdraft '' protection. So If any payment had been processed it would NOT have been returned by my bank as the Discover Agent was alledging. So to " correct this matter '', he attempted to collect the past due payment, late fees, returned check fees, and the XX/XX/XXXX payment. I explained that because there would have been NO REASON for my bank to return a payment, I refused to pay over the phone. I stated that I would rather investigate the matter and handle the payment after I have done a proper investigation. He then proceeded to tell me that they had a program to " reduce '' interest payments for 6 months or 12 months if I would just pay the {$260.00} amount Over the Phone today. -- -- - I did not trust Discover to get it right. I did n't understand how a " program '' to reduce interest rates could just arbirtrarily be reduced for 6 or 12 months at their discretion without some other condition. He explained that If I chose the 6 month program that interest would not be charged and neither could I use my card for future purchases for 6 months. Second complaint, I have NOTA made any " purchases '' with discover in over 12 months. My balance is primarily due to Transfer of other credit card balances to Discover and the Interest rate was supposed to be 5.9 % or less. Then I checked my statement and saw that I was being charged approximately 19 % interest for over $ XXXX in purchases. As I stated, I have not made any " purchases. '' -- - I believe their collection tactics are unethical. I believe their charging of EXCESSIVE interest is immoral. I also know that the recent fees of {$35.00} ( late ) and {$25.00} ( returned check ) is completely illegal as it is FRAUD. My bank statement is enclosed to show that there was NO Returned check at any time from XX/XX/XXXX through XX/XX/XXXX. The Discover represented admitted to me that they had made an " error '' in processing the payment for XX/XX/XXXX which they claimed we set up over the phone when I made the payment of {$18.00}. He claimed that they entered my account information incorrectly and it was NEVER processed to the bank. This is not the first time Discover has used this tactic and charged me for their ERROR. I want my fees for late fee and returned checks credited to my account. I want my interest rate reduced. I believe Discover has deliberately and fraudlently charged me for interest and fees that were in error and as a result guilty of usery.
06/29/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CO
  • 80134
Web
I made a purchase off XXXX for {$1800.00} on XX/XX/2020. The item was received in a used state with a damaged delivery box. I began the return process to refund the item as it was not safely useable due to possible shipping damage. XXXX gave me an RMA, and I returned the item in a undamaged and smaller box. After a two week time period, XXXX did not refund me my money. They stated they never received the item. I have three forms of Proof of Delivery from XXXX showing the item was delivered and signed for by XXXX Dock personnel. XXXX instructed me to dispute the charges with my bank/credit card as they would not refund me the money. I opened a dispute with the credit card holder, Discover Card, and on XX/XX/XXXX, received a chargeback credit. Due to the fact that XXXX had an open return/refund on that card, the chargeback registered as a refund in XXXX 's system, despite it being a temporary credit. I submitted many documents to Discover Card including the three forms of proof of delivery. Discover card immediately sided with XXXX. We went through three separate investigation 's each time, I received a temporary chargeback credit that was taken away and the funds reapplied to my account the second XXXX replied. XXXX responded every time with a different story. First, the item wasn't received. The second time, the item was the wrong item cause the weight was off by .XXXX. This weight difference taken from the XXXX proof of delivery was caused by the fact that I had to send the item back in a slightly smaller box due to the fact the original was destroyed. The item itself weighed XXXX. Then they stated they had already refunded me on XX/XX/XXXX. Discover Card stated this was not a refund but it was the chargeback credit. The dispute was settled in XXXX 's favor despite my overwhelming evidence that I had returned the proper item and followed all of XXXX 's rules. I tried on multiple occasions to settle the matter with XXXX but they continued to tell me they couldn't find the item. Discover Card told me there was nothing more they could do and I would have to pay the charges. So I went to XXXX again and attempted to work a settlement. They stated that since they were in the process of refunding me when I started the dispute, this interrupted their refund process and essentially canceled it. Due to the fact that the card is now associated with a dispute, it is considered a compromised account and they can't send another refund. They also state that they never received a credit back from Discover Card and it shows that they refunded the money to my card on XX/XX/XXXX. Despite that, I still have a charge for {$1800.00}. Discover Card states they processed XXXX 's charges. I have asked four times for them to send me documentation regarding this matter, and I have received nothing. Discover Card refuses to email me any form of proof, insisting it all has to be done by mail. They won't talk to XXXX, and XXXX won't talk to Discover Card. I have been playing middle man since XX/XX/XXXX, trying to resolve an issue within their systems. As of now, XXXX has told me they are escalating my case ( This is the tenth time I have been escalated and never contacted via phone or email ). I have no item, and still have a {$1800.00} on my card. During the time of all of this, the original card ending in XXXX was flagged for other fraudulent charges by their system and Discover Card immediately sent out a new card with a different number. They stated this would not affect any refunds applied to the old card. Discover Card should never have sided with XXXX in this dispute. I gave irrefutable evidence of returning the item. XXXX could never get their story straight. This item was either lost or stolen in the XXXX Nevada Sorting Facility and I am being stuck with the bill.
08/05/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • CO
  • 80228
Web
To Whom It May Concern at Discover Bank, The reason for this complaint is that my saving and checking accounts were closed abruptly and with no reason given other than it was a business decision. As of today, XX/XX/XXXX the remaining funds in the amount of {$1700.00} has not been received or additional information given. Here is a timeline of the events leading up to the abrupt account closure : XX/XX/2022 Opened checking account ( Cashback Debit ) number X and debit card number X a. I linked my existing XXXX XXXX checking account and then sent two small deposits to verify the account. The two small deposits were received and later withdrawn by XXXX XXXX. b. I linked my existing XXXX Bank checking account through XXXX Bank Instant Account Verification Service. XX/XX/2022 - ACH transferred into Discover Checking Account from XXXX Bank, {$1700.00} XX/XX/2022 Opened saving account number X XX/XX/2022 Moved money from checking to savings {$1600.00} within Discover Bank XX/XX/2022 Activated Debit Card and deposited a personal check from XXXX Bank in the amount of {$1100.00}, check number XXXX, funds were going to be available XX/XX/2022. XX/XX/2022 XXXX XXXX XXXX ( Childcare payment ) posted two charges of {$410.00} for a total of {$830.00} XX/XX/2022 XXXX bill came through and posted in the amount of {$200.00} XX/XX/2022 at XXXX XXXX Received app notification and e-mail stating, We're writing to let you know that we noticed unusual activity on your account. For security purposes, we have suspended access to your account. If you have already spoken to us about this, no further action is needed ( Discover Bank ). At around XXXX XXXX I contacted customer service at XXXX and a recorded voice message let me know that my accounts had been closed and that a customer service agent did not have more information. Either way, I talked with a customer agent, who said that due to a business decision Discover Bank closed my accounts and that a check was going to send to the account owner on file after 60 days ( Discover Bank Agent ). XX/XX/XXXX I viewed my XXXX file and I do not have any negative reported information from other banks. I also requested XXXX send me a Consumer Score Disclosure Report and I received it soon after in the mail and my score was favorable as of XX/XX/2022. XX/XX/2022 Received three letters from Discover Bank letting me know that We're writing to let you know that we noticed unusual activity on your account. For security purposes, we have suspended access to your account. If you have already spoken to us about this, no further action is needed. This was the same for the checking and saving account. The third letter said that my overdraft account connection had been deactivated. XX/XX/2022 Received e-mail saying, We wanted to let you know that we were unable to auto redeem your rewards this month because one of your accounts has either been closed or is temporarily frozen. As a result, you have been unenrolled from Auto Redemption to Online Savings. You can easily reenroll with an eligible account by logging into your account online or through the mobile app ( Discover Bank ). Again, I have no access to the account and due to this abrupt closure ; I was unable to receive any cashback ( 1 % ) from the three purchases that came through the checking account in the amount of {$10.00}. XX/XX/2022 Received an email saying that my statements for both accounts were ready to view online. However, account access to both accounts was removed back on XX/XX/2022. XX/XX/2022 - I submitted a complaint to CFPB to clarify any misunderstanding, gain access to my funds and keep my credibility unblemished. I look forward to talking with an agent via phone that will listen and resolve this issue without putting my credibility in jeopardy.
06/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 94589
Web
I am writing to file a formal complaint regarding an incident of identity theft and the lack of appropriate action taken by Discover AND the credit bureaus in response to my claims. I believe my personal information has been compromised, leading to the fraudulent opening of credit card accounts in my name without my knowledge or consent. After this situation I contacted the usps to forward all mail to that initial address given to me in my first correspondence with the company at " XXXX XXXX '' with my name on it to my address because I believe these people could have used all of my information to obtain more credit or other fraudulent use. Identity Theft Incident : Upon reviewing my credit history, I discovered multiple credit card accounts that were opened in my name. One of these accounts is with Discover. When I contacted Discover to report the fraudulent account, they informed me that the email address associated with the account is the same as mine. However, upon thorough examination of my email records, I found no correspondence from Discover regarding the opening of this account. Instead, I discovered emails indicating that someone had attempted to use my email address to apply for a credit card using a different name. Discover 's Response : Despite providing Discover with evidence of the fraudulent activity and explaining the situation, their response has been inadequate. They have failed to conduct a comprehensive investigation into the matter and have shown a lack of willingness to acknowledge my claims of identity theft. Instead of taking appropriate action, Discover simply updated their records with my actual address, which does not address the core issue of identity theft. Impact on My Finances and Security : The fraudulent Discover account, along with other unauthorized credit card accounts opened in my name, has had a significant negative impact on my finances and creditworthiness. Additionally, I am deeply concerned about the potential misuse of my personal information by the individuals responsible for this identity theft. I have taken several precautions, such as placing a block on my taxes and contacting the Social Security Office, but I am still uncertain about the extent of the damage and the potential risks I may face. Request for Action : I am seeking your assistance in resolving this matter and holding Discover accountable for their negligence. I request that the Consumer Financial Protection Bureau conducts a thorough investigation into this case of identity theft and takes appropriate action to rectify the situation. This includes holding Discover accountable for their failure to investigate the fraudulent account properly and for not taking sufficient measures to protect my personal information. Furthermore, I kindly request that you keep me updated on the progress of the investigation and any actions taken in response to my complaint. I am willing to provide any additional information or evidence that may assist in your investigation. Enclosed with this complaint, please find supporting documents, including copies of the emails indicating the unauthorized credit card applications and any other relevant information that may aid in your investigation. Today I took the liberty of filing a police report about this fraud attempting a thorough investigation with this address originally on the account, after speaking with a consumer law attorney and identifying my rights and what possibly may have happened to cause this which she informed me is very common and should have been addressed at the first correspondence with this company. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and provide me with a resolution.
07/25/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • OR
  • XXXXX
Web
I believe I've been a Discover customer for more than 30 years. Discover has a history of aggressively promoting 0 % or low rate balance transfers to me. I accepted many of them solely to take advantage of LOW interest rates. I have no recollection of ever knowingly accepting a cash advance ... which tends to have HIGH fees and interest rates ( which would be the exact opposite of my intentions with balance transfers ). All factors otherwise being equal, I wouldn't knowingly agree to allowing a high interest rate cash advance to remain outstanding for an extended time as I have multiple available credit facilities with low interest rates. On or about XX/XX/XXXX ( during the Covid epidemic ), I accepted the terms of a Discover balance transfer promotion by visiting the website and providing balance transfer details for {$990.00}. I believe it was my intention to transfer the balance of my XXXX XXXX XXXX that is otherwise paid from my XXXX checking account. As I have told Discover numerous times, I don't recall ever seeing any notification of a cash advance being marketed nor do I recall ever seeing XXXX XXXX XXXXXXXX or disclosure information regarding a cash advance ... which would have been a warning sign to me that I was applying for the wrong product. I notified Discover more than 10 times ( and advised more than 20 staff ) that the balance transfer was mistakenly categorised as a cash advance. Discover recurrently acknowledged my complaint, said it was being investigated and temporary credits were being issued. I assumed this meant the matter was resolved and the balance transfer was duly recorded. Years later, Discover has said a number of troubling or conflicting things, ie the balance transfer ( accruing interest at 28.99 % ) was a promotion that expired ( despite no notification to me on application ) and is therefore a cash advance, the balance transfer destination invalidated the promotion offer ( despite no notification to me ), the temporary credits were not an indication the matter was resolved ( despite no timely notification to the contrary ), my payments over the past few years have been applied to the lower interest rate balance on my account and not the higher interest rate balance transfer / cash advance, there is no record of my application for the balance transfer promotion, I didn't apply for a financial product, Discover staff don't know if it's regulated or by which agency, there is no further internal appeal process, there is no Compliance department I can speak with, there is no external regulator I can contact for assistance, etc. Never has a Discover staff member offered me the opportunity to pay-off the Balance Transfer / Cash Advance and reverse the penalty interest charges, During a recent call, the Discover staff member seemed confused about how to do this. XXXX XXXX, I contacted Discover XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe Discover has no idea what promotion they offered me and I applied for ( including associated XXXX XXXX XXXX and disclosures ). Moreover, they seem to have a predatory attitude towards the apparent lack of transparency when enticing me to benefit from a low interest rate when I fact I received an exceptionally high interest rate for the same advance amount to the same institution. Additionally, the apparent lack of accountability of customer support and supervisory staff requires me to recurrently call and check on the progress of my complaint... while Discover continues to earn above market returns that are not reflective of the promoted offer. Given the volume of my contact points, I can only assume this is intentional or negligently unintentional. Lastly, Discover customer support and supervisory staff seem to have no idea that they are regulated.
07/30/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NY
  • XXXXX
Web
COMPANY CREDIT CARD : DISCOVER PROBLEM : PAYMENTS WITH PAYMENT PROGRAM REGISTRATION DATE OF PAYMENT PROGRAM : XX/XX/2019 ; RECEIVED CONFIRMATION LETTER FROM COMANY. STATUS : ACTIVE AGREEMENT : PAYMENTS:1-4 : {$96.00} PAYMENTS 5-12 : {$80.00} PAYMENTS COMPLETED : PAYMENT 1-XX/XX/2019 and 2-XX/XX/2019 for XXXX. PROBLEM EXPERIENCED : I WAS TOLD BY REPRESENTATIVES AT THE TIME I SIGNED UP FOR THE PAYMENT PROGRAM I COULD PAY MORE THAN THE SCHEDULED AMOUNT TOWARDS MY BALANCE DUE. THE AMOUNT PAID WOULD BE ACCOUNTED AS MY MONTHLY PAYMENT. HENCE, FOR MY XX/XX/2019 I MADE AN INTERNET PAYMENT OF XXXX. MY EXPECTATION FROM WHAT I WAS TOLD IS THAT IT WOULD BE ACCOUNTED FOR AS MY SECOND PAYMENT. IT WAS NOT ACCOUNTED AS THE SECOND PAYMENT. INSTEAD, THE DISCOVER PAYMENT PROCESSING SYSTEM PROCESSED THE XXXX AND THE SCHEDULED PAYMENT OF XXXX. AS A RESULT, IT PUT MY CHECKING ACCOUNT INTO OVERDRAFT. I CONTACTED DISCOVER AND XXXX XXXX XXXX IN REGARDS TO THE PROBLEM. DISCOVER REPRESENTATIVES SAID THEY WOULD RETURN THE FULL AMOUNT OF XXXX TO MY XXXX XXXX CHECKING ACCOUNT AND KEEP THE SCHEDULED PAYMENT OF XXXX. THE XXXX XXXX REPRESENTATIVES SAID THEY WOULD REFUND MY OVERDRAFT FEES ONCE THE BANK RECEIVED THE XXXX. ON XX/XX/2019, I RECEIVED XXXX FROM DISCOVER. I CONTACTED DISCOVER IN REGARDS TO THE MATTER. SINCE I WAS STILLDUE A REFUND OF XXXX FOR THE BALANCE OF XXXX. DISCOVER REPRESENTATIVES STATED THEY HAD RECALCULATED AND CHANGED THE AMOUNTS WHICH DIFFERED FROM THE PAYMENT AGREEMENT. FURTHER, IT DIFFERED FROM WHAT WAS STATED IN THE LETTER FROM DISCOVER.THE LETTER STATED THAT FEES WOULD BE ACCOUNTED FOR AT THE COMPLETION OF THE 12 MONTH PROGRAM. I EMAILED AND CALLED MANY TIMES TO REVIEW THIS INFORMATION WITH A SUPERVISOR. SEVERAL OF MY EMAILS HAVE NOT BEEN ANSWERED. I HAVE BEEN PUT ON HOLD SEVERAL TIMES WHILE TRYING TO GET IN CONTACT WITH REPRESENTATIVES FROM THE DELAWARE AND OHIO DISCOVER OFFICES TO GET THE REFUND OF XXXX SO THAT XXXX XXXX CAN REFUND ME THE OVERDRAFT FEES I WAS CHARGED. AS OF TODAY XX/XX/2019, I WAS INFORMED BY ONE DISCOVER REPRESENTATIVES THAT THE ACCOUNTING SYSTEMS DIFFERED FOR DISCOVER. I WAS TOLD THAT THE SCHEDULED PAYMENTS WOULD BE CHARGED TO MY ACCOUNT UNTIL THE PROGRAM WAS COMPLETED. I REVIEWED WITH REPRESENTATIVE ISSUES REGARDING ADDITIONAL AND ADVANCE PAYMENTS. THE REPRESENTATIVES CONFIRMED THAT THE DISCOVER PAYMENT PROCESSING SYSTEM WOULD NOT RECOGNIZE ADVANCE OR ADDITIONAL PAYMENTS. FOR EXAMPLE, THE DISCOVER SYSTEM WOULD NOT RECOGNIZE THREE MONTHS OF ADVANCE PAYMENTS. IT WOULD STILL PROCESS PAYMENT 1. THE REPRESENTATIVE DID NOT CLEARLY CONFIRM IF ONE MADE ADVANCE OR ADDITIONAL PAYMENTS, THAT THE DISCOVER PAYMENT PROCESSING PROGRAM WOULD STOP ONCE THE BALANCE WAS PAID IN FULL.THESE ISSUES CONCERNED ME GREATLY AS A CUSTOMER. SERVICE PROBLEMS : REPRESENTATIVES DO NOT GIVE A LAST NAME, ID NUMER, DIRECT CONTACT OR EMAIL FOR FOLLOW UP.EMAILS ARE NOT ALWAYS RESPONDED TO IN REGARDS TO ISSUES REPORTED. TELEPHONE CALLS ARE PUT ON HOLD AND TRANSFERRED MULTIPLE TIMES. MANY TIMES I WAS NOT ABLE TO SPEAK WITH ANYONE REGARDING ISSUES REPORTED. PAYMENT PROGRAM : I AGREED TO PAYMENT PROGRAM TO MAKE SURE BALANCES PAID AND ACCOUNT CURRENT. THE AMOUNTS CALCULATED WERE MADE BY DISCOVER AS PART OF THE PROGRAM. AND ARE DOCUMENTED IN PENDING PAYMENT PROFILE. AMOUNTS SHOULD NOT BE CHANGED BY DISCOVER SERVICE REPRESENTATIVES. WEBSITE PROBLEMS : OP ENING PROFILE PAGE DOES NOT DOCUMENT NEXT PAYMENT PROGRAM AMOUNT DUE. DOCUMENTS ANOTHER MINIMUM PAYMENT AMOUNT. CUSTOMER NOT SURE WHAT IS BEING PRESENTED. PAYMENT PROGRAM PROFILE NOT UP TO DATE. I AM GREATLY DISSATISFIED WITH THE SERVICE GIVEN REGARDING THIS MATTER. I WANT TO BE REFUNDED THE XXXX THAT IS THE BALANCE OF THE XXXX. I ALSO FEEL THAT DISCOVER NEEDS TO REVIEW SERVICE AND PAYMENT PROCESSING SYSTEMS.
11/30/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • SC
  • 29615
Web
I was approved for a Discover It secured credit card in XXXX of XXXX and put down a {$700.00} deposit. I received an email from Discover in XXXX of XXXX asking how I would like to receive my security deposit back if I determined to be eligible for it. I followed the link in the email and entered my account information so that if I was eligible in the future, my deposit would be refunded by direct deposit instead of getting a paper check. Discover sent me an email on XX/XX/XXXX saying that my card would be transitioned to an unsecured card because I demonstrated good credit habits. My credit limit was increased ( effective immediately ) and I was told that my {$700.00} deposit would be refunded to my bank account in 1-3 business days. On XX/XX/XXXX I contacted Discover using their support chat to ask about the status of my refund since I had not received it. I was told that I would receive my refund by ACH transfer within 13 days of the statement cycling. I was then informed that my cycle date was XX/XX/XXXX, and should receive it by XX/XX/XXXX. I asked why the emails say 1-3 days if it really takes XXXX days after the statement cycles, which is weeks after you receive the email. I didn't receive an answer, but the rep said they would pass my feedback along. I reached out again via support chat on XX/XX/XXXX right after XXXX and didn't receive a response until XXXX, when I had stepped away from the computer and was unavailable. I contacted Discover for the XXXX time via support chat on XX/XX/XXXX. I was informed that Discover is aware of an issue where some refunds have been delayed, and that my account actually graduated to an unsecured account on XX/XX/XXXX, not XX/XX/XXXX. I was FLOORED to find that out there was delay on my XXXX time contacting them when that was never mentioned previously. The rep then left the chat and was replaced by a supervisor. I asked when the ACH transfer was initiated and after evading the question at least 3 times, I was told that they didn't have that information to give me. I was also told that I should've received my refund 1-3 after the account graduated ( XXXX ), meaning that I should've gotten my money back XXXX weeks ago. I expressed my concerns about the ambiguity of the responses received from customer service and feeling like I was intentionally misled, because I wasn't notified of a delay the previous times I contacted Discover. It's absolutely ridiculous for them to send emails telling their customers that they'll get their refund in 1-3 business days if they are AWARE of a delay, and it's even more astonishing that they aren't up-front about the situation the first time customers contact them about the status of their refund. In an ideal world they would notify customers about issues like this proactively, but that's not the case here. I constantly felt like I had to fight to get ANY questions answered. I was told there was nothing I could do but wait, and they were not able to make any guesses about when I would get my money back. I asked if they could cancel the ACH and send a paper check ( which according to their email, takes 5-7 days ) and they said no. I asked if they could do ANYTHING to be more accommodating, like delay my payment due date, and they also said no. Discover is holding onto {$700.00} of MY money, but I am expected to pay my statement on time. Lastly, I asked if they could email me a transcript of the chat log once we disconnected, and I was also told no. They said I could copy and paste it onto a document and email it to myself ( the email is attached ). I asked who I should contact if I wanted to make a formal complaint, and I was advised to come back to the support chat. This whole situation has left an incredibly bad taste in my mouth and seems very shady.
06/15/2022 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Account opened as a result of fraud
  • PA
  • 18045
Web
I recently signed up for a Discover Credit card and when my card arrived, I logged in to sign up for the online account. In doing so, it prompted me to " link '' my two accounts. After entering my SSN for verification, I saw I had a Savings account .... which had a phone number and email address I did not recognize. I immediately called Discover. After being bounced around to 3 different departments/people over the course of about 1.2 hr, I was placed on hold for " the next available associate '' in the Banking Fraud Department . Estimated wait time was 90 minutes. I sat on hold for 2hours and Discovers ' line HUNG UP. I called back, was going to be redirected AGAIN but I asked to talk to someone ASAP. The banking department was able to locate this Fraud account and " freeze '' it BUT would not give me access. The Fraud department would still have to handle my account but at least the account was " frozen ''. At this point, I asked whether or not someone ( whoever this person is ) would be able to regain access.. the associated replied " well no because they don't have your information '' ... which I then said " the phone number on the account is not mine ''. These people have been able to open a bank account so they must have identifying information.. the associate then said they would put a note on my account so it re-directs to FRAUD instead of having to verify by text ( which the number, again, was not mine so this fraudster would be able to do this ). This is now the 3rd bank account that has been opened in my name so I'm somewhat familiar with the process. I do not, however, understand WHY it is THIS easy to open a bank account without Verifying the Address. The address this person used was an address in a completely different state ( that I have never visited, travelled through let alone lived in ) and a phone number that was never associated with me in the first place. I checked my XXXX report and there was XXXX inquiries from DISCOVER for the savings account. I did see the inquiry for my Discover CREDIT card ( which was me ). I opened that card on XX/XX/2022, this fraudster opened the savings account on XX/XX/2022 With all that being said, I've spent the last XXXX hours on the phone at a total of 9.5 hours WAITING ON HOLD for the banking FRAUD department. I was hung up on while on hold over 2 hours TWICE. Each time I called, it gave me wait times ... 30 minutes, and over 90 minutes... I waited each time and they exceed those wait times every single time. This morning I called at XXXX EST ( you guys open at 8 ) and just sat on hold again for an hour only for the call to go dead AGAIN... I need to talk to the banking fraud department because this accounts ' information MUST be changed ASAP, the account MUST be closed!!!!! I can not do ANY of that unless I talk to the FRAUD department.. This has seriously made me want to cancel my credit card with Discover ( that I JUST received ) because I'm terrified that this person would have access to this card Now that they have a Savings Account under my name. Can they link the accounts? WHO KNOWS BECAUSE NO ONE WILL ANSWER THE PHONE. The fact that BOTH were approved within days of each other BUT the address, phone number and Email was ALL different blows my mind. it should not be this EASY to open accounts!!!!!! and it should DEFINITEY NOT be this hard to gain access to accounts listed in your own name! I was told that I would receive a letter in the mail ( by the banking person ) But I said ok, which address .... and they said the address on the account. THAT DOESNT HELP ME! I did, however, XXXX the address ... and it doesn't even exist. The street, city, state and ZIP exist ... but not the address ... so the bank account was opened with an address that isn't even real. GREAT JOB!
01/30/2016 Yes
  • Bank account or service
  • Savings account
  • Deposits and withdrawals
  • NV
  • 891XX
Web
On XXXX XXXX, XXXX we completed the sale of my primary residence. We provided the XXXX of Nevada, hereinafter known as the " title company, '' with instructions to wire the funds to my bank, Discover Bank, hereinafter known as the " bank. '' As of XXXX XXXX, the funds were still not showing as credited to my account. When we asked Discover Bank why our funds were not yet deposited, they responded by saying that they used a third party, XXXX XXXX, to process these types of wire transfers. There is no clear representation of this relationship on the Discover Banking website. After a period of several days, Discover Bank deposited the funds to our account on XXXX XXXX. The transaction description listed on that date is " incoming wire. '' On XXXX XXXX, XXXX we receive a call from XXXX XXXX informing us that our funds were returned to them. We checked our bank account and found that our funds were still deposited into our account. We informed Discover Bank about the discrepancy on XXXX XXXX, XXXX. Despite multiple phone calls to Discover Bank and being placed on hold for hours, we were not able to obtain any resolution. On XXXX XXXX, XXXX Discover Bank withdrew funds from our account. The transaction description lists " Reverse Incoming Wire. '' We did not consent to this withdrawal, and we were not informed before or after the withdrawal. The transaction amount on the reversal was the same amount as the deposit. On Monday, XXXX XXXX, XXXX we contacted the title company to see what we could do to get the issue resolved. The title company suggested that we initiate a three party call with Discover Bank to seek resolution, and we agreed. The three way call occurred on XXXX XXXX, XXXX. XXXX XXXX of Nevada requested that Discover Bank send a letter to us detailing the series of events. On XXXX XXXX, XXXX we began calling Discover Bank on a daily basis. These calls have continued until today, XXXX XXXX, XXXX. On or around XXXX XXXX, XXXX Discover Bank sent the letter they prepared. It was delivered to our prior address, and we did not receive it. On XXXX XXXX, XXXX we called Discover Bank to inquire about the letter. We learned that the letter was sent to the wrong address and requested that it be re-sent to the correct address. On XXXX XXXX, XXXX we received the letter from Discover Bank, and we hand-delivered it to XXXX XXXX of Nevada. We asked if they would like to retain the envelope in which the letter was delivered, and they declined. On or around XXXX XXXX, XXXX XXXX XXXX informed us that they did not believe that the letter we delivered was authentic. They requested a picture of the mailing envelope which we sent to them. The sender listed on the pre-printed mailing envelope was " Discover Student Loans. '' We do not now nor have we ever had a student loan held or serviced by Discover Bank. XXXX XXXX stated that this labeling caused them concern. They were also concerned that the letter was not signed, and they questioned the authenticity of the company letterhead. On XXXX XXXX, XXXX we asked Discover Bank to please issue another letter. Despite continued daily calls we have not yet received a letter. Discover Bank refuses to allow us to speak with their legal team and said that a subsequent letter would not be ready for another 2 weeks. On XXXX XXXX, XXXX we went to the offices of XXXX XXXX and requested that they release the funds to us directly via a cashier 's or certified check. They declined to do so and stated that our bank committed a Federal Crime, and that they would not release the funds to us without a letter from Discover Bank that acknowledged an error on their part. At that time, we asked whether our funds were in an interest bearing account. They said that they were not. We directed them to do so immediately.
07/21/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • NC
  • 28104
Web
Private Loan : Discover Student LoansSchools : XXXX XXXX in WI, XXXX in XXXX believe that Discover Student Loan uses student loan unethical tactics to create high interest loans to co-signers. Discover 's underhanded tactics result in high interest, large loans, to cosigners looking to help the student. They base the loan on the student 's credit rating and financial status, and then when it 's time to pay the loan back, co-signers become co-borrowers and are harassed even when the loan is not in default. My daughter has approximately {$100000.00} in student loans with Discover Student Loans. She borrowed this money, with my husband and myself, as " co-signers '' to get her XXXX in XXXX XXXX. Throughout the years of acquiring these loans, we were constantly surprised that our interest rates were so high, although we had credit scores above XXXX. Discover would give us an interest rate range of approximately 6.0 to 9.0, and then give us an interest rate of 8.99. When we asked why this interest rate was so high we were told that it was based on our daughter 's credit rating because we are just co-signers. However, when it came time to pay back the loan Discover Student Loans would harass us because we are " co-borrowers ''. So, Discover gets to assign a high interest rate based on the student, but then switches the mentality of the loan when it comes to paying it back. My daughter worked part-time during school and tried to get Discover to provide a loan without a co-signer, but they refused. After she graduated, my daughter was shocked to learn that her monthly payments would be {$1000.00}. She worked with Discover for months in an attempt to get her loan to an affordable amount, which would then increase as her work situation improved over time. We thought that Discover would take her salary into consideration but they would not because they confined the loan to a 10-year term. We finally got Discover to reduce the payments to $ XXXX/month, which is still a significant burden for my daughter who makes approximately $ XXXX/year. However, since her parents are tied to the loan, she would often times go without grocery, heating and air conditioning and get behind on her rent, ( risking eviction ) to pay Discover. My daughter was getting harassed and we were getting harassed, even when the loan was not in default. And because Discover 's first question to my daughter during these calls was " can your co-signers pay '', it became apparent that the entire scheme ... 1. Mandating co-signers. 2. Using student credit rating instead of co-signer 's credit ratings to put the interest rate at the higher end of the range. 3. Holding the loan to a 10-year term. 4. Not allowing for income considerations. 5. Harassing students and co-signers, even when the loan is not in default. ..is orchestrated to use students who are trying to better themselves to facilitate high-interest loans and go after what Discover might consider to be " deeper pockets '' of the co-signers. We became the victims of an unorganized and ruthless partnership between XXXX XXXX and a Discover Student Loan 's antiquated financial payment system that left us seeking counsel. Well, most recently my daughter was told that her student loan monthly payment is increasing to $ XXXX/month. When she asked why she was told that XXXX XXXX management of her loan was temporary. Well, if Discover Student Loan 's goal is to create homeless individuals out of students who are trying to become professional contributors to the economic state of the U.S.A., then well done indeed. There are so many people who just refuse to pay back these loans. My daughter is not one of these people. She just wants to be successful in life and right now Discover is preventing her from doing that.
05/15/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77056
Web
XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX Name of Company that reported the item : Discover Fincl SVC XXXX Partial Account Number : XXXX Reason For Dispute : Is below To whom it may concern : This letters intention is to provide the full story of the charge/erroneous missed payments in question from Discover Card, which is currently on my credit report that you are holding. This original charge was from a motel room that was placed on my Discover Card. The Motel was XXXX XXXX XXXXy XXXX in XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX ). They were apparently running a scam, because the pictures that are up online look very clean and nice of the complex and of the rooms, but then in person the rooms are completely filthy, trashed, and very worn out and old. There are even very shady people hanging around asking us to buy some drugs, which made us feel very uncomfortable and not safe. You can see how these rooms looked from the pictures that I provided. Also, the locks on the front doors didnt even work. Every time we needed to get into the rooms, we had to call an attendant to come use a key to unlock them and let us in. It took the attendant about thirty minutes to show up. There is video footage demonstrating it, but since your website didnt have an option for me to upload video footage, I took still shots from the video showing an attendant having to unlock our front door with an actual key for a lock. So needless to say after only spending a few hours there, we came to the conclusion that these rooms are completely inhabitable. Nor did we have the time to keep having to call an attendant to come let us into the room. So we didnt even stay one single night and left and had to get an extremely expensive alternate room last second somewhere else. This costed us a lot of time, since we were on a film shoot. Which ended up making us not complete the film shoot and costed us thousands of dollars. But I am not asking for any restitution, but only for this erroneous charge/missed payment history to be taken off my credit report. Furthermore, I contacted Discover Card and told them not to pay the Motel, because they are listing false advertisements on the internet. Plus, I sent in all the pictures and all the proof that demonstrates this. This was a no brainer to me, but for them they wanted to send the Motel the payment and charge me for it. I attempted to open a dispute with them and talked with several managers, and they still would not budge for some reason. So I closed out the account and said Im sorry I cant pay for rooms that were un-useable, and were falsely advertised for. So, by them saying these payments are delinquent is false as well. They can only be missed payments, if the account is still open and active. I paid off my remaining balance and closed out the account. They cant say Im missing payments, when the account is closed and not useable anymore. This negative on my credit report is now causing me to not be able to acquire a very important home loan, so I am asking you to please remove it from my credit report. I have provided proof that the charge should have never been rendered and that these shouldnt even be classified as late payments, since the account is closed. It should be classified as a standing balance if anything. Thanks for your time and please let me know if I can provide anything else to you. Enclosed proof : 7 pictures of the actual rooms, I have a video file of the attendant having to come manually unlock the front door ; however, it will not allow me to upload it. So I attached 6 still pictures of the video of the attendant having to unlock the door, 3 pictures of the rooms and complex that they showcase on the internet. Sincerely, XXXX XXXX XX/XX/2019
12/29/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • PA
  • 19026
Web
I was erroneously set up for automatics payments, by Discover card, without my consent. On XX/XX/2021 when I went to pay the full balance as I did in XXXX and XXXX, I was automatically charged the minimum due without my knowledge so I overpaid my bill by the minimum payment. I realized this when I checked my statement and saw a negative credit charge which I was told was because I overpaid and I was still not informed that I was set up for automatic payment. On XX/XX/2021 I went and paid my full bill of XXXX XXXX I only have enough funds in my account to pay my credit card bill each month. I was erroneously charged the minimum balance due of XXXX XXXX I was not informed I was being charged this amount so when my actual payment of XXXX $ went through I did not have enough funds to pay it so it was returned. I received a notification from Discover through the app and email on XX/XX/2021 at XXXX XXXX indicating that my payment of XXXX $ was received. Because Discover withdrew the XXXX $ without my knowledge I was charged XXXX $ overdraw fee from my bank. Discover then re-withdrew XXXX $ again, without my knowledge, which was returned again so I was charged another XXXX $ return payment fee by Discover and another XXXX $ from my bank. I was unaware of any of this. I checked my statement after purchasing an item on XX/XX/XXXX at around XXXXXXXX XXXX. When I checked my statement I saw a XXXX $ fee and that I was recharged XXXX XXXX I called Discover card at XXXX XXXX and the call lasted 16 minutes. While on the call I was transferred to different agents 4 times. No one gave me their name or explained to me what happened with my payment. I was told I did not pay my bill and was recharged. I asked why I was not informed of this payment not going through the first time and why I had to find out after two attempts and 4 extra fees from Discover and my bank. The last woman I spoke to notified me that " this was a business call '' when I became upset because XXXX $ of my hard earned money has now disappeared. I was to call my bank and figure it out so I hung up and tried again the next day. On XX/XX/2021 at XXXX XXXX I called discover card again and explained the situation and asked what happened. I was informed that I was set up for automatic payment which is a self serviced. ( I never set that up I do not even know how to so that right there is fraud ). I was told that I did not have enough funds to pay so it was returned and I was charged the XXXX $ which occurred twice. I asked the woman why I was not notified and she told me it is not Discover cards responsibility to notify the person of returned payment or fees charged because of it. I then asked where my money went since it was not returned to my bank account and was directed to call my bank. The lady reversed XXXX XXXX $ returned payment fee but would not reverse the other and was rude on the phone. The phone call lasted 10 minutes. When I called my bank and explained the situation they told me they could not do anything and it was a matter with Discover and I needed to call them. I told my bank I did call Discover multiple times and they informed me the inly thing they can do is stop any future transactions with Discover and have them approved by me. I then asked where the XXXX $ went and they said it was taken out to pay discover and I need to call them about that too. My bank gave me back one XXXX $ overdraw fee but refused to give me back the second and told me to ask Discover for it back. I am not out XXXX $ in fees and am not sure where my payment of XXXX $ went and where that money was returned to. I am very frustrated because I work very hard for my money and I do not miss payments. I refuse to pay these erroneous fees because this mess up was solely on Discover card.
01/27/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • AZ
  • 85016
Web
I am writing to obtain assistance with a delinquency Discover Student Loans reported on my credit report for my previous attendance at UnivXXXX I currently hold XXXX student loans with Discover. I am currently a full-time XXXX at the UnivXXXX XXXX XXXX XXXX - XXXX. XXXX loan has been in repayment for around XXXX ( 1 ) year, for which I have made 100 % of my payments on time. The other loan was in deferment until on or about XXXX XXXX, XXXX. Because of my full-time XXXX during which I obtain 100 % of living expenses from student loans, I was unable to make the XXXX $ XXXX/mo payment in addition to the other loan payment of XXXX $ XXXX/mo and thus requested that the loan be placed in forbearance in XXXX XXXX. This initial forbearance request was denied by Discover citing an excess of income. To arrive at this decision, the agent required me to use an annual estimate of my student loans in support of annual income, despite my saying that I received no income while in school. The agent essentially said because I use student loans for living expenses, they must be considered as income, and were required as part of Discover 's forbearance calculations. These calculations demonstrated I had too much annual income ( as student loans ), and thus disqualified me from forbearance. Because of my financial situation, I was unable to make the XXXX XXXX payment. My school 's financial aid adviser called Discover on my behalf to verify whether student loans are considered income, and informed me that Discover responded that they indeed are not. I then called Discover again on or about XXXX XXXX, XXXX to begin the forbearance process anew, which was this time granted on the basis of my lack of income. The agent, " XXXX, '' informed me that the forbearance would be applied to my account retroactively, based on a disclosure agreement which was read to me. I have since discovered that this account was reported 30-60 days delinquent on my current credit report. I have attempted to call Discover twice to resolve this matter based on the previous facts, XXXX which times have been unsuccessful. I made my second call to Discover on or about XXXX XXXX, XXXX, where I spoke with a supervisor, " XXXX '' ( ID # XXXX ). When explaining my concerns, XXXX initially maintained that Discover was unable to make adjustments to my credit report because Discover 's definition of retroactive, based on their disclosure statement ( which she reviewed from the recorded XXXX conversation ), applies solely to the monetary payments, and not to credit reporting. When suggested that the nuances of the definition of " retroactive '' in this context were unclear, XXXX essentially responded that it was my responsibility to ask such questions of the telephone agent myself following the reading of the disclosure. Moreover, when I told her how I initially attempted to apply for forbearance in good faith in XXXX, XXXX informed me she was unable to review a recorded call from that time to verify this information. XXXX informed me that she would have to look into this matter further and call me back. My credit report is now damaged in a significant manner because of misinformation and deceptive business practices on the part of Discover. I was led to believe based on their disclosure that this retroactive application of the forbearance would resolve any outstanding delinquency issue. I also attempted - in good faith, in a timely manner - to obtain an initial forbearance, but was procedurally barred from doing so because I was pressured to reveal student loan data as income. Furthermore, Discover is using selective review of recorded calls to support their case, leading me to feel bullied and unconfident that there will be a fair and unbiased review of this matter.
03/05/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MT
  • 594XX
Web
I had some other credit cards that were fraudulently opened in my name. I was a member of XXXX and was reporting those cards to XXXX when I was discovered this card Discover was opened in my name. Discover card was the slowest to locate the documents that my XXXX agent sent ( the same documents she sent to the other 5 or 6 credit cards ). They said they had phone calls from my previous phone number ( my husband and I switched cell phone carriers ) like the other cards but these calls were NOT me. Someone had copied my phone number and acted like me on the phone. Discover asked me what email they should have on file. They had a XXXX but it was not mine. They did not tell me the email address..just confirmed that it was not XXXX. I do NOT have another XXXX account, just one.They also said that the statements were being sent to that email ( the one I did not know about ) and I told them I do not receive estatements for credit cards as I do not like it. I Discover is requiring documentation saying so ( our previous cell phone carrier was not corporative and we can NOT get the documentation that Discover needs to relook at my account. The documentation needs to say our account with the cell phones was compromise and the company will not admit ). Discover called me and claimed to have talked to me about a person that was an authorized user on the account but they did not. That day they called, was the ONLY time I didn't talk to them with XXXX on the phone as well and all the Discover agent went over was the process that banks go through if someone comes in to get a cash advance. That is it. I tried ask Discover if they are not sure where the cards were sent, how are they sure if they came to my address? And how can they be sure if they talked to me on the phone since someone had acted like me and talked to the other credit cards. Discover has not responded to either question. XXXX is unable to further to assist me due to not being able to get the documentation that Discover requires to relook at my account. Now Discover is saying I'm responsible for the full amount on the account. These charges on mostly online or out of my state. I do not shop online unless its on XXXX. Most of my shopping is done in person where I HAVE TO SIGN ... very little do I shop online. I do not bank at any of the banks listed. I have told Discover that I DO NOT know either person that was listed as authorized user on the account In fact I did not know either name or that there were two authorized users until I was talking to my XXXX agent. A lot of the charges are for XXXX which I do not, have never nor probably won't use. I have never bought anything from XXXX. In fact my phone I got was through a cell phone carrier. Discover also did not get any documentation from the banks where there was cash advances ... therefore I do not understand how they can be sure that it was ME who got them ( especially since I did NOT get the cards ), Discover is not giving copies of the documentation they used to determine this was not fraud which they have to by law. I personally feel that Discover did not take what I said seriously and really truly did not look at this account as fraud or that is was fraudulently opened and all of these charges, cash advances and balance transfers ( I do NOT know how to do a balance transfer ... nor have I ever done one and I have NO interest in doing one in the future ) are done by someone NOT ME. I expressed to them at least 3 times that I did not open this card or I did NOT apply for it. The charges on this Discover account were VERY similar to the other credit cards and the other cards saw that them was fraud. I do not understand why Discover said it was not. I should not be responsible for charges that I DID NOT DO. I
12/27/2015 Yes
  • Credit card
  • Billing disputes
  • CT
  • 06516
Web
We stayed at a property advertised by XXXX in XX/XX/2015 - XX/XX/XXXX. Property Case XXXX. The property was misrepresented. It was dirty, unhealthy, made my XXXX year old have XXXX, there were lots of bees in the condo -- hornets -- every day. There was mold in the shower. The shower curtain was disgusting. I called XXXX. They told me i had to go through Discover credit card. Discover, denied my dispute claim after giving me the half payment of XXXX back, not once, but twice, and finding in my favor -- on a recorded telephone call on XX/XX/2015 -- or thereabouts. [ Utah call center / dispute billing office. ] Now Discover has taken back all of the refund it had initially given me because ( according to them ) I failed to get an exterminator, while on vacation, to prove infestation. Even though I sent photos of the paint -- XXXX gallons near the hot water heater -- the mold in the shower, the broken locks on the window, and broken " art '' that hung above our bed which probably put plaster dust into my XXXX. And. Of course. The downstairs neighbor whom obviously did n't approve the upstairs being rented -- told us on day 1 that he could " hear a cell phone vibrate down the wall '' when it rang -- no XXXX on this vacation. To top all of this off -- Discover sends me a notice stating they are taking back all of the refund on XXXX. There is a dispute program via XXXX -- the vendor -- but it 's a gaff. The consumer has to find the material misrepresentation of the property and report it in 2 hours -- AND they also have to go through the credit card company first. The following was sent to the Texas XXXX -- the corporate office of XXXX, along with the same sent to Discover -- with photos of the paint, broken art, mold, broken art, and reports of bees in the condo -- they said they ca n't use photos as proof ... ..I hate them. P.s. I have paid my Discover card off recently to the tune of XXXX and they would n't even advocate for me! I did not receive or enjoy the full value of the service offered and Discover just does n't care! The property was mis-represented. It had paint in the closet which was near the hot water heater causing my son to have XXXX. The closet was in a closed bedroom. The artwork was hanging off the walls and above my bed which most likely put plaster or other dust in my XXXX The tub had mold and the curtain was stained red like blood There were bees constantly coming into the condo from the outside vents. The downstairs neighbor told us on day 1 that he could hear " a cell phone upstairs vibrate down through the wall '' -- no XXXX on this vacation that 's for sure! I I requested a XXXX percent refund which Home Away initially did -- of XXXX but after I was treated so poorly by the property owner -- ( AND Home Away told me I had to go through my credit card company first before enacting their care free guarantee program XXXXeven though I paid for it ) they have since requested that Discover Card remove the half credit to me. Why have a guarantee if you are going to tell the consumer that they ca n't use it unless they go through the credit card company first? The CareFree Rental Guarantee is a gaff! Unless you discover the issues in XXXX hours -- it does n't work because they say you violated the good faith portion of the contract for discovery of material misrepresentation. I am requesting half of my money back. The bees just kept getting worse over three days time and the paint in the closet was not discovered until after the 3rd day of stay -- of course -- that is when the hot water heater had been used several times and the heat generated the fumes to a larger extent because the hot water heater had to be turned on. There were no fumes upon arrival because the hot water heater was cold.
05/07/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • NY
  • 10466
Web
On XX/XX/XXXX, I received an email from Discover, XXXX, regarding a promotional offer involving XXXX XXXX XXXX. " Get a {$45.00} statement credit when you activate this offer and sign up for a new {$45.00} XXXX XXXX XXXX membership online or in club with your Discover Card by XX/XX/XXXX. '' I ignored the email but decided to go through with the offer on XX/XX/XXXX when I received a reminder email from Discover due to the deadline approaching. Below the headline and paragraph was a link to activate the offer, which I clicked. To be eligible to receive the statement credit, you had to : 1 ) Offer valid when you purchase a new {$45.00} XXXX XXXX membership. ( Offer good when you join online or in-club as a new member. New member can not have been a member within last six months. Offer may not be combined with any other XXXX XXXX offer or promotion. 2 ) Offer excludes Plus membership, membership renewal, membership upgrades, add-ons, additional memberships, pre-paid membership or XXXX XXXX Gift of Membership. 2 ) Only memberships bought in the United States are eligible for this promotion. Only one statement credit per new primary member. XXXX and XXXX XXXX XXXX are not eligible for this offer. 3 ) Must be 18 or older to purchase a membership, and membership is subject to qualifications. 4 ) Offer eligible only if activated via the link in this email or site when you use your Discover card to purchase a {$45.00} XXXX XXXX membership now through XX/XX/XXXX. 5 ) Offer fulfilled as a statement credit within three billing cycles after the end of the promotion. In order to comply with the terms of the promotional offer, I activated the promotional offer using the link in the email I created a new email and a new XXXXXXXX XXXX XXXX account using that email to avoid any misunderstandings. I bought the basic " XXXX '' membership ( not Plus ) for {$45.00} with my one and only Discover credit card. Three billing cycles after the end of the promotion would be XX/XX/XXXX. My credit card statement typically ends on the third of every month, meaning the latest date possible I should have received the promotional statement credit would be XX/XX/XXXX. On XX/XX/XXXX, I contacted Discover through the messaging section of their app to inquire about why I hadn't received the promotional statement credit. I respectfully informed them that it had been more than 3 statement credits and that I knew of others who had received their statement credit already. Despite hearing my reasoning, the chat representative said 3 billing cycles after XX/XX/XXXX would be XX/XX/XXXX for me ( something I knew was wrong but didn't comment on ) and assured me I would receive it then. I left it at that and decided to wait until XX/XX/XXXX. On XX/XX/XXXX I once again asked why I didn't receive the promotional statement credit. The customer service representative, XXXX, asked if I had XXXX XXXX XXXX membership within the last six months If I signed up for any other XXXXXXXX XXXX XXXX membership or promotion If I signed up for Plus membership or any other unrelated membership If I purchased the membership outside the United States If I was a XXXX or XXXXXXXX XXXX XXXX associate and If I was younger than XXXX years old. The answer to all the questions was No. After a back and forth, the rep had someone look into the problem and told me to wait. 10 minutes later, she came back and said I was not eligible for the offer and restated the terms I said at the beginning of this complaint. As you can see, I violated NONE of those conditions. The only thing they said they could do was to contact their headquarters team which I agreed to do. It's been 2 days since then and I've not been contacted by anyone at Discover so I'm now filing a complaint.
05/12/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MI
  • 492XX
Web
I have unfortunately been a victim of a military scam. The first transaction that I did was with Discover card on XXXX . The scammers put money into my account, I did cash advance and apparently later that day the money was pulled back out of my accou nt. Discover never notified me. If they had that would have been the first and last transaction. However this adding and taking money kept occurring in my account, I received no letters or phone calls regarding these occurrences. I did receive a few calls from their security department asking if I had made some purchases at no time did they mention that money kept being put in and pulled from my account. I would call before I was to make cash advance , to make sure that I qualified. I was told yes and was still never informed of what was happening with my account. Finally I got a letter from XXXX XXXX because same thing had been happening with that account. I downloaded Discover app and to my horror found out what was happening to both accounts and wondered why I had n't been contacted right away. I realized that I was a victim of fraud. When the money was back in account and was settled, I contacted Discover informed them that I had been victimized in military scam and was beginning to file complaints this was XXXX . So far the account has stayed settled, however money was pulled back from XXXX after being there three months on XXXX . I again called Discover and told them what happened with XXXX . They said they could do nothing to protect me from it happening to this account as well. I spoke with a supervisor from Ohio named XXXX on XXXX . I asked him why no one ever called or informed me of payment being returned on the date XXXX , the same day that it was put in. He lied and said all the payments had been pulled back at the end. I said that I could have sworn it was the same day, he said no it was n't and they could n't help me. I had done one transaction with my credit union and when payment pulled back, they called that very day, unfortunately at that time I was aware of what was going on and was to late. However I told XXXX had I been notified on my very first transaction that I would not be in the situation that I am. Once I was done speaking with him I immediately pulled up my statement of transactions on the app. It showed the payment done and pulled back on XXXX . I took a screenshot photo. I checked my transactions statement again on XXXX , the transaction of the payment being pulled back was removed, Discover card altered the statement to what? Cover up their incompetence? I have both photos and proof. At the end of my conversation with the scammer claiming to be a XXXX XXXX XXXX XXXX , he used his real name and I have much evidence on him as well, but anyway, I asked how my accounts got so out of control? We came to the conclusion that the Banks were not doing the necessary procedures to prevent. This is exactly what the scammers count on. So not only I, but thousands of others have been scammed, by the scammers, and completely failed to have our accounts protected by the Banks! I am sure that every single victim would have never done a transaction had the bank contacted them the very first time that a payment had been pulled back. So we have been not only victimized by the scammers we are also being victimized by the banks and I have undeniable proof, that Discover went into my account and changed my statement to protect themselves, without any sort of regard to their customers financial well being. Unbelievable. I hope that swift and serve actions are taken against these Banks, they are allowing people to be responsible to pay back tens of thousands of dollars and to lose everything that they own. How shameful.
07/31/2015 Yes
  • Credit card
  • Delinquent account
  • NC
  • XXXXX
Web Older American, Servicemember
I am XXXX my husband is XXXX and we are going on XXXX years of marriage. At one time we had such good credit that we had too much credit and were considering filing bankruptcy but we have never walked away from our bills so we went into a debt settlement program in XXXX at a charge well over {$5000.00} with XXXX XXXX XXXX. XXXX XXXX Offices in XXXX took on XXXX accounts, XXXX of which were DISCOVER. DISCOVER agreed to the debt settlement program with XXXX Law Offices. In XXXX XXXX DISCOVER and their blood thirsty attorney XXXX filed a judgment against me ( XXXX {$12000.00} ) and a judgment against my husband ( XXXX {$15000.00} ). XXXX XXXX Offices created a reply document for each of us that we filed in the county we lived in as instructed. We were told to do nothing and wait and see?! In XXXX we went through a job LAY OFF and had to sell our home of 16 years through a " short sale '' to prevent foreclosure because the lenders refused to work with us even though our loans were current at the time?! We sold off everything we owned to make ends meet until we could find employment which meant relocating from XXXX.. I am XXXX because we had no insurance and no state agency or government agency was willing to help us?! We are XXXX Finding a job and renting was not easy with these XXXX judgments hanging over our heads. DISCOVER and their cut throat attorney XXXX Law Offices XXXX ruined that for us time and time again and it is still happening now?! In XXXX we went through another job LAY OFF and relocated from XXXX and once again the job and renting was an issue for us?! We have a letter from DISCOVER and the FDIC stating very clearly that no suits were ever filed against us on either DISCOVER XXXX XXXX ) account to date?! WHAT LIARS?! We have since contacted DISCOVER at XXXX XXXX XXXX their executive office but to no avail?! We will never own another home in our lifetime. DISCOVER has ruined our credit, job opportunityand rental opportunities to date on XXXX accounts that were charged off in XXXX XXXX?! My husband also served in the XXXX and is a veteran and this is how our so called " American dream '' ends. So a very adamant message to DISCOVER and their blood sucking attorney XXXX Law Offices unless these XXXX judgments are completely removed from all XXXX credit reporting agencies we will NEVER consider any type of debt settlement on these accounts to date and now we have no home they can attach?! How in the XXXX are we supposed to pay these blood sucking XXXX with no job or place to live?! Hey, we need transportation to get to work as well. Another thing ruined by DISCOVER and DOMINION Law Offices?! If they are unwilling to comply with our REQUEST to remove these XXXX judgments in an expedient manner they can remain untilwe die and DISCOVER and their blood sucking attorney XXXX Law Offices will get ZERO XXXX )?! It is a shame in a great nation like ours where my husband served in the military and is getting XXXX over by these unfeeling and uncaring blood suckers over accounts charged off in XXXX XXXX that we can not get a second chance to survive. Welive pay day to pay day. I am not in good health. We have not had the good fortune to win a lottery and our ship has sunk. Until someone in authority STOPS this from happening to hard working American citizens we will never be a great nation again. We have filed complaint after complaint and will continue to do so until someone hears usand STOPS DISCOVER and XXXX Law Offices from continuing to ruin our credit and making our lives miserable with their unwillingness to be cooperative, but DISCOVER is great at LYING, we have written proof of that?! We have written to the XXXX Attorney General, Senators and even our current President but to no avail, no one cares?!
09/22/2016 Yes
  • Credit card
  • Other
  • FL
  • 32907
Web
This letter is being sent to as notices sent to DISCOVER FIN SVS LLC XXXX XXXX XXXX, XXXX, DE XXXX XXXX your company erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. This is a fraudulent account that was open on my name Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by these companies, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when it fact there is no provided proof that it is accurate. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records ; any information obtained shall be used for that purpose. Best Regards, XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
04/28/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • FL
  • 33435
Web
Received a line of credit from discover for their IT card with a balance transfer ( BT ) zero interest rate period of 18 months promo and zero interest rate on purchases for 6 months which would've end in XX/XX/XXXX and XX/XX/XXXX respectively. On Thursday XX/XX/XXXX I made my first of two BT of {$3500.00} which generated fees of {$100.00}. On XX/XX/XXXX I made my second and final BT of {$310.00} which generated {$9.00} in fees. I made four ( 4 ) payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of {$150.00} except for XX/XX/XXXX's payment which was {$140.00}. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I made purchases from XXXX and XXXX XXXX XXXX of {$1100.00} ( XXXX ), {$1100.00} ( XXXX ), {$20.00} ( XXXX ) and {$1100.00} ( XXXX ) respectively. The purchase from XXXX of {$1100.00} made XXXX XXXX was returned along with the XXXX purchase of {$1100.00} refunds pending. Made my monthly payment for XX/XX/XXXX of {$100.00}. On Friday XX/XX/XXXX I made a XXXX purchase of {$340.00} returned and item from the purchase on XX/XX/XXXX for {$200.00} and made an additional purchase of {$310.00} so essentially my purchase total from XXXX was {$440.00}. On XX/XX/XXXX of XXXX refund finally hit the card, all previous pending refunds already hit. Made my XXXX payment of {$150.00}. XX/XX/XXXX I had a XXXX charge of {$0.00}. Monday XX/XX/XXXX I made an XXXX purchase of {$200.00} and {$840.00} both purchases were refunded and refunds posted by XX/XX/XXXX within the zero interest period. That was the last purchase made on card to date ( Sunday XX/XX/XXXX ) and I continued making my monthly payments of about $ 150 monthly. From XX/XX/XXXX onwards I was charged approximately $ 50+ dollars in interest which seemed high since I should only have been carry a purchase balance of around {$1600.00} at an APR of 22.49 % according to my contract. however I said to myself discover would never cheat me my math must be off. some months passed by the interest charges still seemed high but I never got around to calling. On Friday XX/XX/XXXX XXXX XXXX eastern time I decided to call discover and spoke to an agent who committed to getting to the bottom of the interest charges and confirmed that my BT transfer period was intact until XX/XX/XXXX. What was revealed during the call really opened my eyes as to how deceptive the practices of Discover really are. I learned that all my purchase refunds were going to my BT and not refunding my actual purchases that were made thus making me carry a higher ( more than twice the amount ) purchase balance ) thus allow Discover to charge me more interest since my BT was still in the zero interest period and my purchase were not. I asked to speak to a supervisor I got XXXX from Ohio employee number which he gave me was XXXX who in at first proceeding to tell me the agent before didn't provide me with the correct information and my refunds were not placed towards my BT but later backtracked when I went through the math which based on the amount of interest I was paying added up. however XXXX proceeding to tell me Discover was in the right and what they did was fair and nothing could be done. Discover is the worst financial company I have ever dealt with and I will never again after paying off and cancelling this card do business with them again and if you are reading to beg you to do the same. If my payments were going to my BT I would accept that, but to have my refunds for the exact amount from the same merchant go towards my BT and not my purchases in my mind is criminal and extremely unfair. I have attached files showing all the activity for this card. Name, address, telephone number and order numbers have been blocked out entirely or partially to protect my privacy.
06/21/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30252
Web
Hello this is XXXX XXXX, In XXXX of this year I bought into an online training business called XXXX. I have had a dispute about many charges made to this company becuase the company had my credit card information and they charged me for many services that i did not use. One of them was made on my Discover card on XX/XX/XXXX for {$3600.00} to XXXX master mind. This XXXX company charged me for this summit but I never attended, and this charge was part of a largre scheme to rack up charges against me while they failed to provide the proper support to build the online business that I paid them to help me with. I sent emils and tried to call a the support desk but i could never get through to XXXX. Here is the reciept for the charge -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - General Information -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Merchant Account : XXXX Date/Time : XX/XX/XXXX XXXX XXXX EST -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Transaction Information -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Transaction Amount : {$3600.00} Transaction ID : XXXX Authorization Code : XXXX Transaction Type : Card Sale Response : Approved AVS Results : Exact match, 5-character numeric ZIP CSC Results : CVV2/CVC2 Match -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Customer Billing Information -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - First Name : XXXX XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX : XXXX State : GA Zip Code : XXXX Country : US Phone : XXXX Email : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Customer Shipping Information -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - First Name : XXXX XXXX The XXXX company omitted important information and also claim they have documents that I signed ... but I never did sign any documents. I disputed the charges with the Dicover card and back in early XX/XX/XXXX they removed the charge but then the comany XXXX disputed the charge back and they sent XXXX all this bogus documents. Then XXXX just recently put the charge of {$3600.00} back on my card. Now this is where I will provide new information regarding this XXXX company. On XX/XX/XXXX I recieved a e-mail from the United States FTC with a link : https : //www.ftc.gov/XXXX That explains that this XXXX company by federal court order was shut down and the assets of its 4 owners frozen for a wide range of fraudulent business practices. These are the same kind of practices that I fell victum to. I sent a rebutal to the denial of my dispute for the {$3600.00} charged back to my discover card but Discover did nothing to help me ... they sided with the XXXX company. I am dismayed at how in the new light that the FTC has shut down this XXXX business and frozen their assets of more than XXXX XXXX dollars, that Discover would not realize that I was caught up in this sophisticated scam. I furthermore believe that XXXX 's credability is in question and that just becuase they sent contracts to discover that anything that XXXX provides should be deemed null and void. My life has been ruined by this scam. The mentor I had was initially very supportive to help me with this business but after his assistant charged up over {$80000.00} to my credit cards he just stopped helping me. The company never answered my complaints becuase they never answered their phone when I called. I have not slept in months and my health has suffered becuase of this and I expected the Discover card to protect me. The XXXX company is shut down they bilked millions from hard working people like me. I hope justice will be served and I hope with this new information about the FTC shut down od XXXX that Discover will remove the {$3600.00} permanently.
07/10/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MI
  • 485XX
Web Older American
XX/XX/XXXX I received a call from Discover saying my payment was late. It was news to me as I rarely used my credit card, and had it set to automatically pay the balance off every month if I had used it, so there should be no balance. I was told I owed {$7600.00} and I immediately told them it had to be fraud. They told me it had been being paid via phone instead of auto pay, and asked if a XXXX area code number was a number associated with the account. I told them no, there's no way that number should be associated with the account, but that I could tell them who committed the fraud because I did know the phone number. They sent me a year 's worth of statements to go through and call back and tell them which charges were fraudulent. There were only a few that were not fraudulent over the course of a whole year, and I did not dispute the few legitimate ones. I realized it had been my daughter, who had been living with me until she never came home in XX/XX/XXXX, who had been using the card. She had been taking care of some of my finances since XX/XX/XXXX as I had been in and out of the hospital for very serious ailments, and became XXXX and reliant on a XXXX in XX/XX/XXXX, as well as starting XXXX XX/XX/XXXX. There had been a few occasions on which I had authorized access to the card in XXXX, e.g. paying for my granddaughter 's dog to be neutered in XX/XX/XXXX. I did not realize that she had taken the card from my purse and used it to buy all manner of expensive things many times ( {$880.00} on XX/XX/XXXX, {$500.00} on XX/XX/XXXX, {$380.00} on XX/XX/XXXX, {$1300.00} on XX/XX/XXXX, a few among many charges disputed ) as she also retrieved the mail, and had her number put on the Discover account. The first I heard of this was in XX/XX/XXXX, after my daughter left and her phone service had been cut off. When I disputed these fraud charges, I asked if I had to file a police report, as getting out and around is harder for me and was told I did not have to. Discover sent a letter saying they wanted me to provide a written affidavit and to confirm which charges were fraudulent. I did this and sent it back, only to receive a statement from Discover saying that they believe it to not be fraud without further information. I called their fraud department and asked what further information they would like, and was told they required a police report, and until I did, their investigation was closed. I said I would get them the information they needed as soon as I could. I tried to get in contact with the county sheriff 's office multiple times, as they had reached out to me about a separate incident previously when I was in and out of the hospital in XX/XX/XXXX. My hospice social worker got me in touch with XXXX XXXX XXXX, who also tried to reach out to them multiple times, but no one ever followed back up with me. I eventually gave up on the sheriff 's office and contacted the local police department, and they had me file a report over the phone instead of in person. I gave Discover the police report number along with the officer 's name, the police department phone number, and address so that they could reopen the fraud case. A month later I received two letters, one saying that they accepted that it was fraud, and one saying that it was not, and got a call to clarify that they found it was not fraud because I did not contest that the small payments being made without my knowledge so that Discover would not call my landline phone and alert me to this activity were also fraud. I have been making payments this entire time so as not to ruin my credit report, but it has been very eye opening to see how people do not seem to care at all if you are a victim of fraud by a family member that you previously trusted.
09/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77406
Web
In accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and other relevant statutory and regulatory provisions, I am writing to file a formal complaint against XXXX, XXXX, XXXX, and XXXX XXXX. According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ), there exists a need to ensure that consumer reporting agencies exercise their significant responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, XXXX, and XXXX, as consumer reporting agencies, are subject to these responsibilities, and I am the consumer in question. As the consumer, I have the right to ensure that my private information is not shared, as reinforced by 15 USC 6801, which explicitly states that it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. XXXX XXXX, as a financial institution by definition under this title, is also bound by this obligation. Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) states that " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' It is essential to note that neither XXXX XXXX nor the consumer reporting agencies XXXX, XXXX, and XXXX have my consent to furnish this information, and they certainly do not possess my written consent. I hereby revoke any and all consent, whether verbal, non-verbal, written, implied, or otherwise, to XXXX, XXXX, XXXX, and XXXX XXXX. Moreover, 15 USC 6802 ( b ) ( c ) stipulates that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Additionally, 15 USC 1681c ( a ) ( 5 ) clearly states that " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' The account in question includes adverse items being reported without my permission, which is a clear violation of the law. Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) specifies that " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' In addition, 15 U.S. Code 1681e mandates that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' It is evident that XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Furthermore, 12 CFR 1016.7 clearly states that " A consumer may exercise the right to opt out at any time. '' I am opting out of these reporting ( alleged ) services immediately. In light of the aforementioned violations of the FCRA, I request that the CFPB investigate this matter thoroughly and take appropriate action to rectify these violations. Any account information you require, such as account start date or account #, I am happy to provide. I look forward to a prompt resolution of this issue and request that you keep me informed of the progress of your investigation.
07/05/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • PA
  • 19426
Web
I disputed a charge with Discover for a service I did not receive. Discover is clearly biased in favor of their merchants in regards to customer disputes. I initially provided as much supporting documentation as I could to Discover and they did not request additional information from me. Once the merchants ( a XXXX ) rebuttal was received, Discover sent me a letter indicating that I had 15 days to continue the dispute. I contacted Discover within the mandated 15 days to learn that the only document they were willing to accept was a credit from the merchant. A dispute is created when a merchant is being unreasonable, as in my matter. To require such documentation is absurd. Discover has closed my dispute and refuses to investigate further. Discover is also at fault for not communicating to me that additional information was required at the onset of my dispute. Discover also told me that I should have had the doctors office sign an agreement stating that he would send XXXX the completed form. Is it common for patients to present a contract and request their doctor sign same before each appointment? I think not. This requirement is utterly absurd. The matter at hand is outlined below : 1 ) Crackers cracked an implant crown. I contacted the cracker company, XXXX. 2 ) XXXX instructed me to schedule a XXXX appointment and have the XXXX complete and sign an evaluation form, which XXXX provided in a packet they mailed me. After receiving the form, XXXX would reimburse the dental consultation, and then proceed to investigate the matter to determine whether they would cover the cost to restore my tooth. 3 ) The dental office, XXXX XXXX XXXX, was made aware of what was expected in the consultation before I scheduled the appointment and again when I arrived at the dental office. 4 ) My XXXX sent the XXXX a XXXX and an XXXX, so the dentist had images to complete the required form. 5 ) The consultation took 5 minutes. When I paid for the consultation, I was told the doctor would complete and send the form to XXXX. 6 ) During the following several weeks, I checked with XXXX only to learn each time that the XXXX form had not been received. 7 ) I contacted the doctors office through their website ( copy sent to Discover XX/XX/2018 ) requesting that they send the form to XXXX. The XXXX office would not reply via email. I received a call from office staff who told me that the doctor could not complete the form, as promised. I was yelled at me and hung up on ; all of which can be confirmed by the audio acquired from my answering machine. ( Discover refuses to accept this audio proof and will only accept documentation. ) 8 ) In XX/XX/2018, I requested a copy of the dental report from the consultation ( again through the XXXX website ). I discovered that the XXXX office had blocked the email address I had originally used to contact them, forcing me to use an alternate email address. ( a copy of this request was sent to Discover. ) 9 ) I dont understand the XXXX behavior ; but he is sly. He wont put anything in writing and he has office staff do his dirty work. I never received a written assessment after my consultation, and should this XXXX provide such written assessment as I requested, it will support my claim. 10 ) Since this time, XXXX has dropped my case. The above was communicated to Discover, who refuses to reopen the dispute and further investigate. I sent a copy of the request to Discover and demanded that they continue to investigate. Again, they told me to request a credit from the doctor. Discover refuses to accept my audio proof and now will not accept my attempts to work within their moronic confines and dictates. I detest making such complaints, but I feel it necessary to do so.
09/26/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33309
Web
XXXX was collecting a debt for Discover card but it was settled years ago. They pulled my credit report without permission, and long after settlement. They told me on the phone that I have no other account with them. IT IS ILLEGAL FOR XXXX TO HAVE PULLED MY CREDIT REPORT WITHOUT PERMISSION ON XXXX/XXXX/XXXX. 6. Defendant XXXX XXXX XXXX, XXXX. ( " Defendant '' ) is an entity duly licensed toconduct business in the state of Florida. 7. Upon information and good-faith belief, Defendant 's principal place of businessis located at XXXX XXXX XXXX XXXX, XXXX, XXXX, FL XXXX. 8. Defendant uses a means or facility of interstate commerce for the purpose offurnishing information to consumer reporting agencies. 9. Defendant is a " person '' as defined by 15 U.S.C. 1681a ( b ). THE FAIR CREDIT REPORTING ACT10. The FCRA was enacted by Congress to ensure fair and accurate credit reporting, promote efficiency in the banking system, and to protect consumer privacy. See XXXX. v. XXXX, XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ). 11. To further purpose of protecting consumer privacy, the FCRA requires thatconsumer reporting agencies ( " CRA '' ) may only furnish a report regarding a consumer to aperson who has a " permissible purpose '' to use that consumer 's report. See 15 U.S.C. 1681b ( a ) - ( b ). 12. A permissible purpose exists where a person " intends to use the information inconnection with a credit transaction involving the consumer on whom the information is to befurnished and involving the extension of credit to ... the consumer. '' 15 U.S.C. 1681b ( a ) ( 3 ) ( A ). 13. Obtaining a consumer report is colloquially known as " pulling '' a consumer'scredit report. 14. In contrast to a " soft '' pull of an individual 's consumer report, which does notaffect the consumer 's credit score, " a 'hard pull ' involves accessing a credit report for thepurpose of issuing new credit or increasing the amount of existing credit. These inquiries can beXXXXseen by potential creditors and can impact a consumer 's credit score. '' XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, fn. XXXX ( XXXX XXXX. XXXX ) reconsideration denied, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 15. Thus, limiting access to consumer reports and prohibiting persons from obtainingconsumer reports without a permissible purpose not only promotes consumer privacy, but it alsopromotes congressional intent of promoting a fair credit reporting system, as it gives consumersa greater ability to manage their credit scores. FACTUAL ALLEGATIONS16. In an effort to collect an alleged debt, Defendant filed a state court action againstPlaintiff on XXXX XXXX, XXXX. 17. On XXXX XXXX, XXXX, Plaintiff called Defendant and agreed to settle the debt over aperiod of six months. 18. The account was settled in full on XXXX XXXX, XXXX. 19. On XXXX XXXX, XXXX, Defendant filed a notice of voluntary dismissal withprejudice in the state court action. 20. On XXXX XXXX, XXXX, Defendant requested and obtained a copy of Plaintiff'sExperian consumer report. 21. Plaintiff did not provide Defendant with permission to access his consumer report. 22. Upon information and belief, Defendant knowingly and intentionally obtainedPlaintiff 's consumer report. 23. Upon information and belief, Defendant knowingly and willfully obtained aconsumer report for Plaintiff without a permissible basis. XXXX XXXX U.S.C. 1681b ( f ) ( 1 ) 24. Plaintiff repeats and re-alleges each and every allegation contained in XXXX through XXXX and XXXX through XXXX. 25. Defendant violated 15 U.S.C. 1681b ( f ) ( 1 ) by using or obtaining a consumerreport for any purpose unless the consumer report is obtained for a purpose for which theconsumer report is authorized to be furnished..
12/27/2015 Yes
  • Credit card
  • Rewards
  • VA
  • 22043
Web
The Federal Deposit Insurance Corporation ( " FDIC '' ) is the appropriate Federal banking agency with respect to Discover Bank, XXXX, Delaware ( " Discover '' ), under section XXXX ( q ) of the Federal Deposit Insurance Act ( " FDI Act '' ), XXXX U.S.C. XXXX ( q ). The Consumer Financial Protection Bureau ( ''CFPB '' ) has jurisdiction over Discover, pursuant to sections XXXX ( XXXX ), XXXX and XXXX ( b ) of the Consumer Financial Protection Act ( " CFP Act '' ), XXXX U.S.C. XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX b ). Myself and numerous other similarly situated Discover consumers have not reasonably been able to obtain rewards, as marketed and represented by the entity. Discover has engaged in unfair practices by imposing " burdensome requirements '' on consumers in connection with its suggestion that receipts need to be submitted in order to claim the rewards offered under the promotion. Curiously, the terms and conditions governing the Discover promotion in question have never stated that the consumer needed to keep receipts. The terms of the promotion are referenced on Discover 's website : under the XXXX Pay FAQ section of Discover 's website. The relevant details are under the " Earn Rewards '' section : " What are the details for the 10 % Cashback Bonus ( XXXX ) promotion? Cashback Bonus Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX Pay now through XXXX/XXXX/15. Excludes gift card purchases. No sign up needed. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within XXXX billing periods. See Cashback Bonus Program Terms and Conditions for more information. Miles version : Earn an extra XXXX miles per dollar on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX Pay now through XXXX/XXXX/15. Excludes gift cards. No sign up needed. Rewards earned are in addition to your standard rewards and are added to your Miles account within XXXX billing periods. See Miles Program Terms and Conditions for more information. '' XXXX The gift card exclusion was added several days after the promotion was launched Discover is now blanket rejecting purchases above a certain amount Discover is requiring customers to retain receipts Discover does not have the requirement to keep receipts in the Terms and Conditions governing the promotion This is a blatant attack on consumer privacy The burden of proof is shifted to the consumer, instead of the credit card company If Discover wants to exclude gift cards, they need to do it accurately and automatically, without the need of receipts being sent into Discover. XXXXXXXXXXXX sent e-mails to me which erroneously suggested that the following transaction 's on my account included a gift cards : XXXX/XXXX/15 XXXX STORE - XXXX XXXX XXXX VA XXXX PAY ENDING IN XXXX XXXX Merchandise {$500.00} XXXX/XXXX/15 XXXX STORE - XXXX XXXX XXXX VA XXXX PAY ENDING IN XXXX XXXX Merchandise {$2000.00} XXXX/XXXX/15 XXXX STORE - XXXX XXXX VA XXXX PAY ENDING IN XXXX XXXX Merchandise {$1000.00} XXXX/XXXX/15 RITE AID STORE - XXXX XXXX VA XXXX PAY ENDING IN XXXX XXXX Merchandise {$2000.00} XXXX/XXXX/15 XXXX STORE - XXXX XXXX XXXX PAY ENDING IN XXXX XXXX Merchandise {$1000.00} As a result I 'm missing bonus mileage for the purchases described XXXX totaling near XXXX miles all of which are in fact eligible and qualify for the Discover & XXXX PAY 10 % BONUS promotion. Discovers actions are Unfair, Deceptive and Abusive XXXX XXXX XXXX XXXX defines an " unfair '' act or practice as follows : The act or practice causes or is likely to cause substantial injury to consumers. The injury is not reasonably avoidable by consumers
09/05/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • NV
  • 89122
Web
Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX RE : Discover card account ending in XXXX ( fraud ) and XXXX ( replacement ) Consumer Financial Protection Bureau, Case No. : XXXX Dear XXXX XXXX : Thank you for your correspondence to the Consumer Financial Protection Bureau. To ensure your concern regarding your Discover card is efficiently addressed, your inquiry has been referred to my attention within the Executive Office of Customer Advocacy at Discover. On XX/XX/XXXX you reported three transactions that posted on XX/XX/XXXX and XX/XX/XXXX as fraud. The charges included a XX/XX/XXXX charge for {$250.00}, an XXXX XXXX charge of {$270.00} and a XXXX charge for {$14.00}. At that time, your account ending in XXXX was closed as fraud. Replacement account ending in XXXX was issued and our Customer Protection Services investigated the matter. During the course of our investigation, you had provided inconsistent information regarding your fraud claims, we noted that you have disputed and undisputed charges at the merchants where you have disputed charges, and you had previously validated transactions at the same merchant locations after initially reporting the charges as fraudulent. On XX/XX/XXXX, our investigation was concluded and it was determined that no fraud had occurred on your account. A letter indicating this was mailed to you on XX/XX/XXXX. In addition, on XX/XX/XXXX, a letter was mailed to you requesting you contact our Customer Protection Services to provide additional information so that we may continue our investigation. We have no record of you contacting our Customer Protection Services to provide additional information to support your claim. We have reviewed this matter and have confirmed that you have been found to be responsible for the three transactions based on the details of our investigation. Although our investigation of this matter has concluded, if you are able to provide additional information to support your fraud claim, we will be happy to review it. Please contact our Customer Protection Services. Investigators directly with any new information. Investigators can be reached at ( XXXX ) XXXX. Although we consider the transactions to be valid and the dispute investigation resolved, it is a requirement to notify the credit bureau reporting agencies of your request to continue this dispute until you advise us to remove the dispute status. The credit bureau agencies that we report to are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Thank you for allowing me the opportunity to be of service. If you require additional assistance in this regard, please feel free to contact me at ( XXXX ) XXXX. I am typically available weekdays from XXXX XXXX. to XXXX XXXX. ( ET ). Sincerely, XXXX XXXX XXXX Senior Associate, Executive Office of Customer Advocacy CC : Consumer Financial Protection Bureau. " The Frad department claim that I never made any contact???? '' this is very false ... why would you read me back this letter, when you guys contact me over the phone and i called you guys back was that not voice recorded???? you guys asked me question over the phone and told me if you guys need more information that you guys would contact me again but that never happened ... .so what are you guys hiding from me???? i have followed discover.com direction and they are still accusing me and The executive office isn't any help on how horrible this customer service is ... ..if you gon na call me and try to work with me and then go around and claim that there was never a contact then this company is giving out false information!!!!!
03/17/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 90068
Web
I originally initiated a fraud dispute with Discover Card Services on XX/XX/XXXX. I immediately provided information about all the fraudulent activities I could find on my Discover account, as well as letting them know about my banking services being hacked and also a police report was officially filed. However, a couple months after I reported the incident, the Fraud Investigation Dept concluded the investigation on XX/XX/XXXX and did not honor their policy. They still denied me protection from fraudulent charges despite Discover being known to boast about their fraud protection feature all over their ads. I immediately appealed their decision the next day on XX/XX/XXXX. I provided additional information such as reporting of closing out other accounts from XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, and also having to open a new account with another banking service ( XXXX XXXX XXXX XXXX ). During this reassertion period I also included my official police report regarding my victimization for identity theft and wire fraud. The 3 credit bureaus were also informed that I was impacted by identity theft and they placed a fraud alert on my account and froze my credit. I reached out to Discover on several attempts during the reassertion period asking if they have received my additional information and whether the investigator in charge of my case has reviewed it. Every single time I've asked, each live agent I spoke to mentioned that the investigator hasn't even started the review. It wasn't until XX/XX/XXXX, I spoke with XXXX from the Investigation Dept. who verified that my case still hasn't been reviewed yet but confirmed the Investigation team finally received my documentation. I requested a call back once the investigator in charge reviewed my documents but I never received a single call back over the phone. Instead, only five days later on XX/XX/XXXX I received a mailed letter from Discover, stating that there wasnt any additional information submitted by me and therefore the case was automatically thrown out and closed without consulting with me. This left me blindsided and vulnerable because their abrupt action to dismiss my appeal inevitably left me with no protection from fraud. The final letter I received went as follows : Dear XXXX XXXX Thank you for your recent inquiry regarding the disputed balance on the above referenced account. Based on our records, your dispute was previously investigated and resolved. Without additional information, we are unable to reinstate the investigation. Because of your continued dispute, we will report your replacement account as disputed to the credit reporting agencies. As of today, it has been more than five months since I originally reported the fraudulent activities toward my account. Throughout the entire process I have been staying on top of things with my case, but no matter how compliant and diligent I was with Discover 's requested information and documents, Discover Card 's Fraud Department dropped the ball and did not want to be held liable to honor the fraudulent charges to be true. The fraudulent charges that total up to {$710.00} on my Discover account aren't even a staggering amount compared to most. One of the most basic protection a card user needs when trying to make purchases or to build credit is to not having to worry about things like this. Discover ended up declaring that the official documents I provided from the official XXXX report, identity theft report, credit freeze, email from XXXX Cyber Crimes and all the fraudulent charges from my XXXXXXXX XXXX XXXX XXXX XXXXXXXX and countless of other services weren't sufficient enough evidence to support my appeal for honoring such basic Fraud Protection.
11/19/2016 Yes
  • Credit card
  • Late fee
  • GA
  • 30066
Web Older American
Discover credit card reported late payments to the credit reporting agencies, adversely affecting my credit. In XXXX XXXX, my estranged husband violated a standing court order and closed the Discover card which had his name on it, but it had been agreed it was designated for my exclusive use pending the final divorce decree. I was the primary card holder and had the card since XXXX. I called Discover and wanted to reinstate the card and was told that was not possible. I then offered to pay the balance and was told I must wait until the closing of the billing cycle. Since I did everything online, I was told my online access would stay active until the bill was paid in full. In XXXX, I received an email stating my bill was ready online, but my login did n't work. I was unable to login to pay, so I called Discover to pay my bill. I was told that the balance of {$160.00} had been transferred to the other Discover card which my husband had opened in my name as well as his ( again in violation of the court order ). I was told there was no balance to pay. Another month past and I received an email with a bill now past due and including late charges. I again called Discover to pay my bill but not late fees for which I was not responsible. The representative refused to remove the late charges and inferred I was lying about what I was told previously. I was justifiably indignant considering my 25 year history or always paying on time. After " stewing '' about it a while, I remembered Discover states that calls are recorded. So I again called and I asked the representative to listen to the recording ; I wanted to pay my bill, but not to pay late charges since I had twice tried to pay my balance. The representative returned to the line and she removed the late fees and took my payment information for the original balance of {$160.00}. After sincerely thanking her, I stated I wanted to ensure that my credit score would not be negatively impacted. She said nothing to indicate anything to the contrary. The representative was XXXX XXXX and she provided a reference number of XXXX on XXXX XXXX, XXXX. I believed this issue was resolved. Several week s later, while resolving account changes associated with the divorce, I received information that my credit score had dropped below XXXX from the usual mid to high XXXX. When I checked I saw Discover was reporting XXXX late payments. I again contacted Discover and was told they could only remove it if it was their fault ( which it clearly was ), but they refused to accept the responsibility, and again started inferring I was lying. I asked them to provide me with the recording or any transcripts of my many calls and they would not. They acknowledge I have called many times since my card was cancelled. They never claim that the calls were attempts to avoid paying or questioning charges. They remain adamant that they wo n't remove the late payment reports. At this time in my life, it is important to have this rectified. Because my former husband is a XXXX and stopped paying his bills, I have had to get all new credit cards, and new utilities at my home and my business, so he can not access and cause more harm. The end result of all the new applications and so many utilities checking my credit is my credit is negatively impacted. This ca n't be avoided, but the worst harm is the Discover reports. It is unrealistic to believe that after 25 years of paying in full on time that I would neglect to pay a {$160.00} bill. I would like Discover to remove the late payment reports. I have received a credit card denial and a letter from XXXX stating that due to my credit report, I did not qualify for discounted programming, activation fee and or equipment.
12/14/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • PA
  • 194XX
Web
This is regarding my Discover Card which was hit with Fraud in XXXX and XXXX. Now they recv a 60 page fax sent to them with all the documents during the pandemic XX/XX/XXXX. Which I was told NOT to leave my house because I have no XXXX XXXX Then I was told they wanted a letter from post office regarding the fraud charges. 1st off the post office was closed and that was irrelevant because it involved XXXX XXXX XXXX and it would be useless. I never ever recv any products. I have been hacked in XXXX XXXX Massachusetts, Virginia and now Ohio which XXXX made me aware of because there are over XXXX in fraud chgs on my XXXX card and they still have NOT removed them it's been almost 2 mons. They were sent the email from XXXX that STATED SHE IS NOT RESPONDIBLE FOR ANY OF THESE CHGS, SHE WAS HACKED IN OHIO. I WAS ALSO TOLD NOT TO PAY MY XXXX PAYMENT I CALLED ON THE XXXX AND ASKED. 3 PEOPLE TOLD ME NOT TO MAKE THE PAYMENT BECAUSE I HAVE A FRAUD CLAIM. THEY ALSO SENT ME A 2ND CARD THAT I NEVER RECEIVED. NOW THEY CALL 4X A DAY FOR A PAYMENT. BACK TO DISCOVER. THEY TURNED AROUND AND HAD REMOVED ALL THE FRAUD CHARGES. MY BILL WAS XXXX THEN .... A YR LATER THEY ADDED A LUMP SUM OF CHGS OF XXXX OF FRAUD CHGS. THESE WERE OVER 90 DAYS OLD. I CALLED AND ASKED FOR A BREAKDOWN THEY SAID NO. I SAID THEY ARE OVER 90 DAYS AND THAT IS AGAINST THE LAW. THEY SAID WE DONT CARE. WHAT ARE YOU GOING TO DO. OH YOU HAVE NO IDEA. THEN THE NEXT MONTH THEY LOWER MY CREDIT LIMIT TO XXXX AND ADD XXXX IN FRAUD CHARGES AND I CALLED AGAIN TRIED TO EXPLAIN THE 60 PAGE FAX. WHY DID YOU PUT THESE FRAUD CHGS BACK ON MY BILL BECAUSE WE CAN. NOT IF THEY ARE OVER 90 DAYS OLD. WE DONT CARE. MY BALANCE IS STILL XXXX. THEY HAD PUT ME ON A 6MO. AUTO WITHDRAWAL FROM OUR CHECKING ACCT FOR XXXX AND NO INTEREST SO THIS BILL WAS. XXXX THEY HAVE UPED THE INTEREST RATE TO XXXX PERCENT SO MY PAYMENT IS XXXX AND THE INTEREST IS XXXX WHAT THE XXXX IS THAT. SO I am paying XXXX a mon on this bill. That is beyond wrong besides having all the fraudulent charges on there. SO THERE IS XXXX AND XXXX IN FRAUD CHGS ON MY BILL THEY WILL NOT REMOVE AND DO NOT CARE THAT THEY PUT THEM BACK ON MY CARD WHICH WERE WELL OVER 90 DAYS. THEY HAVE NEVER EVER REMOVED A FRAUD CHG. THEY RECV 4 POLICE REPORTS AND ONE WAS JUST FOR THEM THE OTHER DAY I RECV A LETTER THAT STATED I APPLIED FOR A PERSONAL LOAN WITH DISCOVER 1ST OFF I WOULD NEVER EVER IN A MILLION YRS APPLY FOR A PERSONAL LOAN LET ALONE WITH DISCOVER. SO THAT IS ALSO FRAUDULENT. I THINK PERSONALLY THEY DID IT. BECAUSE WHEN I CALLED THERE AND TOLD THE REP EVERYTHING SHE WAS FILING A COMPLAINT FOR THE CO SHE WORKS FOR DISCOVER HAS BEEN OUT TO GET ME FROM THE 1ST FRAUD CHARGE. MY IDENTITY HAS BEEN STOLEN SINCE XXXX IN THE XXXX BREACH AND HAS BEEN A PURE NIGHTMARE EVER SINCE ALL MY CREDIT CARDS HAVE BEEN CLOSED XXXX XXXX XXXX XXXX XXXX PROBLEM IS I WAS PAYING ON THESE CARDS EXCEPT THE XXXX XXXX XXXX XXXX WHOM I HAD THE ATTORNEY GENERAL INVOLVED IN. HE TOLD ME TO SUE THEM. BECAUSE THEY WERE ALSO PROVIDED WITH EVERYTHING I EVEN INCLUDED THE CEO IN MY EMAILS. THEY DECLINED EVERYTHING AND SHUT DOWN ALL CARDS. MY LIFE IS HORRIBLE AND THE ID THEFT PLAN I PAID FOR CALLED ME ONE TIME. I SENT 10X EMAILS AND NO RESPONSE I AM XXXX AND XXXX XXXX AND MY HUSBAND WAS XXXX WITH XXXX XXXX XXXX THIS IS NOT THE WAY WE SHOULD BE LIVING. THEY HAVE COMPLETELY TRASH MY CREDIT. ANY HELP WOULD BE GREATLY APPRECIATED I CANT HANDLE ANYMORE I HAVE SURGERY TOMORROW THEN I HAVE TO GO TO XXXX TO HAVE XXXX XXXX INTO MY XXXXXXXX I CANT XXXX MY XXXX IS XXXX AND TO TOP IT OFF- ITS FROM STRESS. THEN XXXXXXXX XXXX XXXXXXXX XXXX. SO AGAIN I TRULY APPRECIATE ALL YOUR ASSISTANCE. THANK YOU
02/18/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • ME
  • 049XX
Web
I had a charge post to my checking account that I did not recognize, so I called my bank and reported the charge as possibly fraudulent. After investigating the charge, they said that they had verified my information with the company and stated that the charge was valid. I called the company and they said that they had already returned the charge for the payment ( I'm not sure how this charge initially went through ). After verifying that the charge had been reversed, I spoke with my bank and explained the situation. They made a note on my account and that took care of the issue- the charge was reversed and there were no further fraudulent charges. However, yesterday, I checked my email and received a notice that my bank ( Discover ) had changed something about my checking account. I called them immediately and they said they did not know why, but that my bank account had been closed and that the decision was not reversible. I have been a customer for several years with them and all of my payments are setup to be deposited and all my bills are setup to be withdrawn from this account. A paycheck that I have been depending on for food and paying my bills was set to deposit yesterday, but Discover claims they never received the deposit, yet, it shows as going through and the company that sent the deposit stated that the deposit was made. Now I am without any way to buy food for my family and do not even have a way to get gas money to get to work. I am in a desperate situation financially and absolutely NEEDED that money in order to be able to feed my family, and Discover suddenly closed my account with no warning and stated it would be 60 days before they could issue me a check in the amount of my final balance. If this wasn't enough, I receive Social Security for my daughter and the payments are deposited in my Discover account. The Social Security office states that you need to change your bank account information two months in advance to make sure that they have time to process the information- yet I had no notice or warning at all and am now praying that these payments will be updated in time. My tax return and stimulus payments are also set to deposit into this account and even after spending hours on the phone waiting to speak with someone at each institution I have attached to Discover bank, there is no way to update my account information everywhere within the next two weeks, which is when the next deposit is setup to go through. I am now completely without any money or any way to buy food or pay for my bills that are due next week, all because Discover decided to close my bank account without any reason or notice at all. I have no idea what to do and do not know how we are going to make it through the next few days or weeks until I can figure out how to somehow get access to my money before the 60-day time period is up. I have used Discover exclusively for all my banking purposes for years, which made this situation even more devastating. Since they were my only bank account, all of my income and bills are setup through this account- I have no way to get paid until the paycheck gets returned and can be reissued and DiscoveXXXX does not even have a reason for why they did this. My family is in a desperate situation currently because COVID drastically reduced the work available for me, and we have been living paycheck to paycheck for many months. Despite this, I have not been late on any bills throughout this difficult time because I always make sure to budget very carefully. Now, because of Discover closing my accounts without any notice, I don't know how my family is going to make it through the next few weeks while I try to pick up the pieces from this disaster.
09/23/2015 Yes
  • Credit card
  • Credit card protection / Debt protection
  • CA
  • 947XX
Web Older American
I, XXXX XXXX XXXX, have been paying monthly for Identity theft protection since XXXX XXXX, XXXX through Discover which bills me {$10.00} per month for this service. My address had to be verified in XXXX XXXX when I moved to XXXX CA from XXXX, CA because the Discover bills for ID theft protection have been coming each month to XXXX and they have been paid on time for YEARS without a problem. I have NO credit card debt. I also have been getting periodic statements regarding any potential breaches of my identity, REGULARLY from Discover sent to this address in XXXX, on XXXX. Suddenly I received the attached emailing below and wondered if it was a Discover credit card company impersonation ... so I called Discover 's toll free number XXXX/XXXX/XXXX at approximately XXXX PDT ( company based in Utah ) and was told by supervisor after supervisor that their ''XXXX party '' Identity theft company has tried several times to verify my address without success. WHICH MAKES NO SENSE as I have been paying the ID Theft protection over and over without a problem, again for YEARS ... Discover said they cancelled my ID protection and it CA N'T be reversed because the " XXXX party, '' with the Acronym " XXXX '' ca n't verify my address. My last payment for ID protection was XXXX/XXXX/XXXX and it went through as all others..I have my XXXX ledger that shows all my successful payments to payee, Discover since XXXX for ID theft protection at {$10.00} per month. Sometimes I voluntarily XXXX my payments to be ahead by a month. So I was on the phone for XXXX minutes going from XXXX Discover supervisor to another and all said they could not reinstate my ID theft protection because of what is said in communication attached about lack of address verification. I think the third party in alliance with Discover are trying to drop enrollees at the OLD monthly fee of {$10.00}, and enroll new ones at a higher fee. This must be looked into. Here is the email I received from Discover that clarifies the basis of my complaint. Incidentally, I am debt free and have a very high credit score. Discover canceling ID Theft protection on false grounds needs to be addressed. Again I wonder how many other ID THEFT PROTECTION enrollees have received the same email as I did on the false pretense of a lack of address verification and had their ID Theft protection CANCELLED without a chance of reversal?. Copy below of email I received from Discover on XXXX/XXXX/XXXX : Account number ending in XXXXInformation about your Protection Product CoverageDear XXXX XXXX XXXX, During a recent review of your Discover ( R ) account, our records indicate that we could not successfully verify your address after several attempts of contacting you. As a result, we were unable to send you important mail correspondence regarding your Identity Theft Protection membership. Therefore, we are unable to continue your membership in Identity Theft Protection. We are currently processing your cancellation and you will no longer be billed for your membership. Thank you for being a loyal Discover Cardmember. Sincerely, Identity Theft Protection Member Services I believe more than ME got this email below.. I intend to send a complaint up the chain.. but go above Discover 's head on this ... I need to know who regulates the credit card industry as per the government ... who in Congress I should contact ... and what media would be interested in this.. First I want to file a FORMAL COMPLAINT to a credit card co. overseer or US Govt . REGULATOR.. Discover is trying to say the XXXX party is the XXXX responsible not them. Does it make sense that I have been getting regular Discover billings for ID theft in the mail if my address has not been verified.
03/29/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • FL
  • 33196
Web Older American
I connected with someone on XXXX who had a profile as an instructor at XXXX XXXX XXXX XXXX University XXXX XXXX, Florida and who later went on to say that he was being sent overseas again by the CIA on an undercover assignment for our country. He also said he had made me his sole contact and that his " handler '' would text me information to send to him once he was in XXXX so that he could access the XXXX account and send money through to my credit cards so I could take out cash advances and send them to him via bitcoins for him to conduct the project he was sent on assignment to do. Money started showing up in some of my credit card accounts and I was eventually sent a " promissory agreement '' on what appeared to be real CIA letterhead so I went forward with using my Discover card for balance transfers from other credit cards so I could get cash advances from them to send bitcoins to him thinking I was helping not only him but our country. Eventually it became clear that it was a scam after all of the money sent through to my credit card accounts was sucked back out after I sent him the funds and did a couple of other things he asked me to do with the money sent through. I contacted Discover about this when I realized that it was likely a scam, saw all of the money he sent through to my Discover card had been sucked out after I did balance transfers. They told me I am responsible for the debt even though they authorized the release of funds while apparently the money he sent through was still processing. I also sent them the attached letter by registered mail a few weeks ago and have not heard back from them regarding how they would be able to at least reduce the debt and interest being charged, or hopefully release me from being responsible for the balance transfers that occurred during the time he was ending funds through and then sucking them back out. The information below is from credit card statements Discover sent and the payments over {$1000.00} shown below are the payments he sent through to my account : XX/XX/XXXX CASHBACK BONUS REDEMPTION PYMT/STMT CRDT - {$63.00} XX/XX/XXXX PHONE PAYMENT - THANK YOU - {$500.00} XX/XX/XXXX PAYMENT - THANK YOU - {$10000.00} XX/XX/XXXX PAYMENT - THANK YOU - {$10000.00} XX/XX/XXXX PAYMENT - THANK YOU - {$10000.00} XX/XX/XXXX PAYMENT ADJUSTMENT {$10000.00} XX/XX/XXXX XXXX XXXX BUSINESS CARD XXXX M Balance Transfers {$3500.00} APR 0.00 % EXPIRES XX/XX/XXXX XX/XX/XXXX PAYMENT ADJUSTMENT {$10000.00} XX/XX/XXXX PAYMENT ADJUSTMENT {$10000.00} XX/XX/XXXX XXXX XXXX BUSINESS CARD XXXX M Balance Transfers {$1900.00} APR 0.00 % EXPIRES XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX DE Balance Transfers {$16000.00} APR 0.00 % EXPIRES XX/XX/XXXX BAL TRANS FEE {$57.00} BAL TRANS FEE {$490.00} RETURNED CHECK CHARGE {$29.00} RETURNED CHECK CHARGE {$29.00} RETURNED CHECK CHARGE {$29.00} TOTAL FEES CHARGED IN XXXX {$1200.00} TOTAL INTEREST CHARGED IN XXXX {$0.00} XX/XX/XXXX PAYMENT ADJUSTMENT {$10000.00} XX/XX/XXXX PAYMENT ADJUSTMENT {$10000.00} XX/XX/XXXX XXXX XXXX BUSINESS CARD XXXX M Balance Transfers {$1900.00} APR 0.00 % EXPIRES XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX DE Balance Transfers {$16000.00} XX/XX/XXXX PAYMENT - THANK YOU {$10000.00} SECURITY DISPUTE ADJUSTMENT XX/XX/XXXX PAYMENT - THANK YOU {$10000.00} SECURITY DISPUTE ADJUSTMENT XX/XX/XXXX PAYMENT - THANK YOU {$10000.00} SECURITY DISPUTE ADJUSTMENT XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$730.00} XX/XX/XXXX TRANSFER BALANCE - {$30000.00} The payments shown here were also sucked out but show as " Transfer Balance ''. XX/XX/XXXX TRANSFER BALANCE - {$30000.00} XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$800.00} XX/XX/XXXX TRANSFER BALANCE Other/Miscellaneous {$30000.00}
03/04/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 333XX
Web
I'm sending this complaint because Discover Bank did not resolve a fraud claim in my favor. The claim was for 14 unauthorized transactions that occurred between XX/XX/XXXX and XX/XX/XXXX totaling {$1900.00}. I discovered my Discover credit card missing on XXXX, which is the day I called Discover Bank Customer Protection Services to close the account, and file a claim for the unauthorized transactions. I told the Customer Service rep. that I lost the card sometime around XX/XX/XXXX at the time the fraudulent transactions began. I stated that I saw an email about a transaction made at XXXX for {$39.00}, which I didn't authorize, and that led to the realization that my credit card was lost. Furthermore, I answered that I didn't know how I lost the credit card, and that nothing else was lost. I also answered that I didn't have any information on who may have used the credit card. Next, I received written correspondence from Customer Protection Services that the transactions in question would be provisionally credited back to my account, and on XX/XX/XXXX I did receive the provisional credits. Then, on XX/XX/XXXX I received a voicemail from Customer Protection Services to return the call. When I called, I was asked a few questions from an investigator on the Investigation Team. I was asked if I received emailed fraud alerts at the beginning of XXXX. I answered that the alerts were sent to an email that is used sparingly. Discover Bank didn't have my newer email address that I use on a daily basis. I said I saw the fraud alert concerning the XXXX transaction on the old email address on XX/XX/XXXX, and that is when I discovered my credit card missing. In the same conversation, I was asked if I remember when and how I lost the credit card, and I said what I said on XX/XX/XXXX that I don't know how I lost the credit card, but that the card was lost from my wallet on or around XX/XX/XXXX. After this conversation, I received a letter dated XX/XX/XXXX, which stated that the investigation into the account inquiry had been completed, and upon reviewing the facts of the case it was determined that no fraud had occurred on the account. Accordingly, I would be responsible for the entire balance on the account ( see enclosed letter ). Discover Bank called me on XX/XX/XXXX, and that is when I learned the claim hadn't been resolved in my favor. I asked for an explanation of why the claim was denied. The investigator asked not only had I received email alerts, but had I also received text message alerts on my mobile at the time the fraudulent transactions were occurring. I stated that I hadn't received any text message alerts, and repeated that the emails were sent to an email address that is rarely used. However, later the same day I asked my son if he had received any text alerts from Discover Bank in XXXX or XX/XX/XXXX, as he was using my mobile temporarily at the end of XXXX and beginning of XX/XX/XXXX while waiting to receive a new mobile phone of his own. My son said he thought he remembered receiving an email from Discover, but that he had ignored it, and then failed to inform me later about the text message. I called Discover Bank back to explain why I hadn't seen the text alert. Hence, I was told by an investigator that the claim would be reopened for a second review, and that I would receive written correspondence within 30 days. Nevertheless, I received a letter dated XX/XX/XXXX ( enclosed ), that said, " based on Discover Bank 's records, the dispute was previously investigated and resolved, and therefore, we are unable to reinitiate the investigation. '' The letter goes on to say that additional information is needed, but I've provided all the information I have.
04/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 085XX
Web
To whom it may concern : I am writing to dispute the late payment for Discover Card Services towards my credit. In 2011 or 2016, based on who you speak to at Discover, I was added to the account in error ( Account number : XXXX XXXX XXXX XXXX ). I have requested the contract from Discover to show the status of this joint account and how it was opened, however they do not have a copy or can not provide any evidence. To date, I have not received correspondence in my name from Discover Card regarding this account. This account is owned and managed by my wife, XXXX XXXX. She is the primary card holder and responsible for its debt, she is the only user of this card and manages the payments independently. Even, the payments are made from her single TD bank account ( exhibit # 2 ). I am disputing the following actions taken by Discover towards my credit : 1 ) Discover Card is claiming that this is a joint account between my wife and myself, however Discover has only communicated with my wife directly. When there was time for card renewal, offering and account status, Discover has never sent any communication or correspondence regarding this account in my name, when requested a copy of any communication addressed to me, they have no record. 2 ) When I called Discover to obtain a copy of the documentation for joint account formation and my profile ( which includes my contact information and preferred method of communication ), they were unable to provide any supporting information. This is specially an issue when Discover has a home address on file for both individuals. I would like to point out, that there are rules of fair practices by financial institution ( e.g.XXXX XXXX, XXXX, XXXX XXXX, XXXX ) in how joint account communication is handled, which is that each individual has the right to know about their account and have the provision to decide on their preferred communication channel, Discover has no record or documentation on my behalf. 3 ) Additionally, when my wife closed out the account on XX/XX/XXXX, Discover sent her a credit of {$45.00} in cash rewards ( attached exhibit # 1 ). However, this was an internal accounting error by Discover. Instead of calling to correct the issue, they proceeded to reverse the credit on a closed account, which shows up as an outstanding balance and overdue payment with the credit bureaus. There was no follow up communication from Discover that this charge was done in error or any monies was owed back, however this was admitted by the supervisor ( XXXX ) on XX/XX/XXXX at XXXX XXXX EST, when we called Discover. Since the account was closed out and it was confirmed with XXXX balance, I dont understand why Discover choose to work through credit bureaus versus direct communication with the customer. I have reached out to Discover multiple times, including a 2 hour call on XX/XX/XXXX where I was transferred to XXXX, XXXX, XXXX ( customer protection ), XXXX ( investigations ), XXXX ( supervisor ), XXXX, and ultimately XXXX ( supervisor ) who claimed that this is their process without providing any documentation or supporting evidence about the joint account and required communication by the financial institution to let a joint account owner know about their account. It is hard to believe that a financial institution could hold a person accountable for credit obligations without the individuals knowledge or any communication to them, and yet have the capacity to hurt the individuals credit score at their sole institutional discretion. I continue to request that they remove my name from this account as it should have never been joint, in addition, remove and clear any negative reporting against all 3 credit bureaus immediately.
09/07/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NC
  • 28803
Web Older American
The first letter is the one from Discover indicating the reversal of a XX/XX/28 alleged transaction for {$99.00} by XXXX XXXX. I tracked with the XXXX XXXX and the XXXX XXXX XXXX XXXX When I called indicated they had no record of this charge. Discover acknowledged that the XXXX XXXX never actually responded to their investigation query with any response documenting a charge. Discover reversed the {$99.00} against me with no documentation of any transaction or claim by the XXXX XXXX. The second letter regards my response to Discover 's claim against me. They refused to put in back in dispute as well. Dear XXXX XXXX, We've investigated your disputed transaction and considered any and all documentation we received from you. We also attempted to obtain transaction records from XXXX XXXX XXXX XXXX NY on your behalf. We were unable to validate the details of your claim and consider the charge to be valid. Case Number : XXXX Merchant Name : XXXX XXXX XXXX XXXX NY Dispute Amount : {$0.00} This means we've closed our investigation, we will reverse the temporary credit on your account, and we'll apply the charge to your account. This amount will be included in the calculation of your next minimum payment due and the calculation of interest on that statement, if applicable. Your next payment due date will be reflected on that statement as well. Please refer to your current billing statement for your current payment due and payment due date. We are required to report your account to the Consumer Reporting Agencies as a disputed account until you advise us to remove the dispute status. If you have any questions, you can call our 100 % U.S-based service team from XXXX to XXXXXXXX XXXX XXXX XXXX every day at XXXX ( XXXX ). Sincerely, Discover Card Customer Service The following letter is in response to the above. Attn : Billing Resolution XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX I contacted your customer service questioning the above decision by Discover. I asked for the specific written response from the XXXX XXXX indicating that the transaction documenting in writing the charge for {$99.00}. Today I spoke to XXXX ID XXXX in your department. We reviewed the above letter. I asked again for the specific written results, that is the transaction information verifying the charge from the XXXX XXXX. XXXX acknowledged that Discover never got any response from the XXXX XXXX ; yet she advised that Discover was charging me despite the lack of a response or any proof from the XXXX XXXX that Discover could send to me. I had been told by Discover customer service for subscriptions at XXXX XXXX XXXX XXXX days ago to obtain documentation. I was told that they had no record of the charge at all. I also spoke to a supervisor at XXXX XXXX. I reiterated the same thing. She had no record of a {$99.00} charge. I asked her for documentation. She advised her name was XXXX and the confirmation No. of this conversation is XXXX. As there was no record of the origin of the charge she suggested I talk to Discover since Discover reversed the charge. As stated earlier, Discover is basing their decision, not on any documentation of a charge from the XXXX XXXX, but because there was no response from the XXXX XXXX. I can not rectify any possible issue since the {$99.00} is not apparent in any of the XXXX XXXX 's record. Discover chose to decide that the lack of a response validated the charge. I have closed my Discover account after spending hours on this matter. I will pay my bill thus far in full minus the {$99.00}. I hope that you will make a decision based on the facts above since there is no documentation from Discover of an unpaid charge with XXXX XXXX. XXXX XXXX
12/11/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30680
Web
This statement is regarding internal reference number : XXXX On XX/XX/XXXX I was sent a letter stating that Discover would not reinvestigate my claim and that I would be held responsible for all transactions on the account ending in XXXX, unless I could provide new evidence. I have provided screenshots taken on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX all showing that my account was locked and I was unable to view or approve any activity during that time. Discover continues to blankly lie in order to pad the narrative of their own story and they must be held accountable for their falsehood. I called Discover on XX/XX/XXXX to report my card as missing. I spoke with a representative, at length, and I was told my old card would be locked and I would receive a new one in the mail in XXXX business days. Discover is claiming that I reviewed activity on XX/XX/XXXX and XX/XX/XXXX, but did not report my card as lost until XXXX. They also state that XXXX required to notify them of unauthorized activity within a timely manner and they are stating that XXXX is not a timely manner. Both of these statements are completely inaccurate and untrue. I did not review ANY activity on my account on XX/XX/XXXX or XX/XX/XXXX because MY ACCOUNT WAS LOCKED. Furthermore, timely notification is classified as 60 days. My card was stolen on XXXX so, EVEN IF I did not report the fraud until XXXX it would still qualify as timely notification, however I reported the card as stolen on XXXX, however the representative I spoke with did not take care of the issue properly because the card was never marked as missing. I called back several days later and the new representative I spoke with confirmed that the first representative did not initiate the claim correctly. I have also included timestamps from my app at work. I work at XXXX XXXX XXXX and I have time stamps proving that I was at work from XX/XX/XXXX to XX/XX/XXXX. I had an XXXX XXXX appointment on XX/XX/XXXX ; I have attached the text message confirming that appointment along with a photo giving proof that I was in XXXX, GA on XX/XX/XXXX. This should all be more than sufficient evidence to prove that it would be impossible for me to have made the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC or the XXXX XXXX purchase in CA. The timestamps also prove that I was at work on XX/XX/XXXX and could not have made the XXXX XXXX in UT purchase. I was at work on XX/XX/XXXX and could not have made the XXXX in CA purchase. I was at work on XX/XX/XXXX and could not have made the XXXX in UT purchase. I was at work on XX/XX/XXXX and couldnt have made the XXXX in TX purchase or the XXXX in DE XXXX. I have included several pictures of my family on vacation at XXXX XXXX XXXX, FL on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX proving I did not make the gasoline purchase in XXXX on XX/XX/XXXX. And I have also included my approved vacation time from work on XX/XX/XXXX. Ive included a location marking and appointment notification for XXXX at XXXX XXXX proving it was impossible for me to make the gasoline purchase in XXXX. And I have also included a screenshot of my XXXX account, which has no recent purchases proving I did not make the XXXX XXXX purchase. This is the only XXXX account I have and if I made that purchase it would reflect in my order history, but it does not!! Additionally, I have included my policy report from XX/XX/XXXX. I will not accept being XXXX XXXX or pushed around by Discover. I have provided PLENTY of evidence indicating that my Discover card was stolen and I reported correctly, in a timely fashion. Therefore, I should not be held liable for any unauthorized activity that occurred from XXXX. XXXX XXXX
09/07/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • OH
  • 44111
Web
Here is the conversation with the representative all details are included : Me : Hello, I want to make an additional payment to my principal balance an hour agoAgent profile picture Discover : Hi, I'm the Discover Virtual Assistant! If I can't answer your questions, I'll connect you to a live agent. We appreciate you reaching out about a payment. Click here to view or update your account regarding any of the below items : - Make a payment - View Payment History - View pending payments - Enroll/Update Automatic Payments - Change Payment Due Date For additional assistance regarding a payment, please select from one of the responses below. none of these answer my question an hour agoAgent profile picture Discover One of our 100 % US based customer service agents will be with you as soon as they can. Feel free to return anytime, your message history will be saved here. Agent profile picture Discover : Hello, my name is XXXX and I'm located in Illinois. I'm happy to assist you today. Please allow me one moment to review your account, and Ill be right with you! Me : XXXX XXXX, thanks! Discover : You are not able to make a payment towards your principal balance. Me : And why is that? Discover : Discover doesn't allow the payment to go towards a specific balance Me : Can you point me to the terms as to where that is state? stated? Discover : It will be located in you terms and agreement that you received when you applied for the card Me : Its not, i have read through it several times and in accordance with the CARD act of 2009 you do have to provide me with the reasoning of now allowing a principal payment if requested. Which to be clear, I am requesting Discover : Unfortunately Discover does not allow payments towards the principal, In order to not be charged any interest your statement balance would have to be paid in full every month. We also have an option of see if you are edible to have a lower rate. Me : I understand, however you do have to provide me with the document stating this per the CARD act of 2009. If you are unable to provide such document you are in violation of said act. I am simply asking you to point me to the document in which is it stated that principal balance payments are not feasible Discover : To further assist you may you please call in at XXXX. Me : If you are refusing to provide the document I will be reporting this conversation and Discovers refusal to the FTC as you are then out of compliance of the federal law that was passed in 2009. Discover : There is no longer a letter to be sent for that. Just to clarify your minimum due every month is like you are pretty much paying you interest. If you like can pay more then your minimum payment due. Me : To clarify, you are saying that this rule does not exist in writing anywhere? Discover : If there was an option to just pay towards your principal balance it would be noted in your terms. Me : Which, again you are confirming is not noted in the terms, yes? Discover : Our customer service agents are available 24/7 and can be reached by calling XXXX. Me : By not confirming you are admitting guilt So, you are in direct violation of section 102 of the CARD act, under Section 5 it outlines that customers have the right to request disclosures so by denying this you are under direct violation and thus violate the federal act and due to your inability to answer a simple question I am able to file a complaint with the FTC Summary : I requested in writing that it is Discover 's policy to not allow principal payments and they refused to provide said documents. In fact, they refused to provide me with anything in writing that principal payments were not allowed.
08/26/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • OH
  • 445XX
Web
ON XX/XX/XXXX I BELIEVE I RECEIVED MY EIN NUMBER FROM THE IRS BECAUSE I DID IT ONLINE. AFTER RECEIVING IT I LOGGED ON TO DISCOVER CHAT. I ASKED IF I COULD SUBMIT MY EIN NUMBER SO I COULD START TO BUILD BUSINESS RELATIONSHIP WITH THEM. ASKED IF I COULD PUT MYSELF AS AUTHORIZED USER USING MY EIN NUMBER AND HAVE A DIFFERENT CARD ISSUED TO ME UNDER MY DISCOVER ACCOUNT I WAS TOLD NO NO REASON JUST NO I DON'T KNOW XXXX ABOUT EIN NUMBER AND BUSINESS CREDIT. BUT AM WATCHING A LOT OF VIDEOS TO EDUCATE MYSELF. SO ANYWAY AGENT TALKED ME INTO FILLING OUT APPLICATION BECAUSE ITS PRE APPROVED NO HARD PULL EVEN AFTER AGAIN TELLING THEM I DON'T HAVE BUSINESS CREDIT BUT IN THE PROCESS OF TRYING TO BUILD BUSINESS RELATIONSHIP WITH MY CREDITORS. SENT ME LINK IN THE APP DIDN'T ADVISE ME TO SCROLL THRU BUSINESS CREDIT PORTION OF THE APP SO I ACCIDENTALLY FILLED OUT PERSONAL APP USING MY EIN NUMBER GOT APPROVED FOR XXXX BUT GOT NOTIFICATION I HAVE TO PROVE MY IDENTITY. I WAS LIKE WHAT ... SO I CALLED HAVING SEVERE HEARING LOSS AND STUTTER REALLY BAD.. VERY DIFFICULT BUT EVENTUALLY FOUND OUT THAT I WAS APPROVED FOR XXXX PERSONAL LINE OF CREDIT BUT UPON PROVING MY IDENTITY. I WAS LIKE WAIT THIS IS SUPPOSED TO BE FOR BUSINESS CREDIT AT THAT TIME I WAS TOLD I FILLED OUT PERSONAL CREDIT APP NOT BUSINESS CREDIT APP. ASKED FOR IT TO BE PULLED WITH EXPLANATION AND PROCEEDED TO FILL OUT BUSINESS CREDIT PORTION AND GOT DENIED AS I TOLD THE AGENT I WOULD BECAUSE I DON'T HAVE BUSINESS CREDIT. NOW THEY ARE PLACING FINANCIAL BURDENS AND PHYSICAL BURDENS ON ME. I ASKED FOR THEM TO PUT ME IN TOUCH WITH SPECIAL ACCOMODATIONS THEY ARE REQUIRING ME TO GET THREE MONTHS OF BANK STATEMENTS NOTARIZED ALONG WITH MY ID NOTARIZED I ALREADY FILLED OUT FORM IRS Consent Form XXXX has been Signed and Filed I HAVE BEEN ON XXXX SINCE XX/XX/2010 I AM XXXX AND I XXXX XXXX XXXX ANYMORE. I HAVE TO TAKE A CAB EVERYWHERE I CAN NOT AFFORD THIS FINANCIAL HARDSHIP. I ALSO LIVE IN OHIO AND MASK MANDATES HAVE TO WEAR MASK IN CABS I ALSO HAVE XXXX XXXX AND XXXX THIS WILL ALSO PUT ME IN PHYSICAL HARDSHIP I STOPPED GOING SHOPPING OR ANYTHING UNLESS ABSOLUTELY NECESSARY BECAUSE OF THIS ILLEGAL MANDATES SO NOW ORDER EVERYTHING I CAN ONLINE AND GET GROCERIES DELIVERED I BANK WITH XXXX THEY DO NOT HAVE LOCAL BRANCH I DON'T HAVE A PRINTER THAT WORKS SO ALL OF THESE DEMANDS ARE GOING TO HAVE TO MAKE ME TAKE CABS EVERYWHERE I CAN NOT AFFORD IT I HAVE BEGGED THEM WHATEVER THEY NEED PLEASE LIFT THESE DEMANDS BECAUSE YOU ARE CREATING SUCH FINANCIAL AND PHYSICAL HARDSHIPS ON ME BECAUSE I DON'T HAVE ANYONE TO HELP ME I ALSO HAVE SEVERE HEARING LOSS RELY ON READING LIPS MASKS PREVENT THAT PLUS STUTTERING REALLY BAD.. PEOPLE EQUATE THAT SO MUCH TIMES AS ME GETTING XXXX I HAVE BEGGED THEM TO LET ME UPLOAD DOCUMENTS ONLINE BECAUSE I HAVE NO MEANS TO GET BANK STATEMENTS ... UNLESS I DO PDF FROM ONLINE BANKING AND UPLOAD AGAIN MY ID UTILITIES EIN NUMBER FROM THE IRS AND LETTER EIN NUMBER LLC FROM SECRETARY OF STATE YESTERDAY I TALKED TO XXXX IN SPECIAL ACCOMODATIONS AND WAS TOLD EVERYTHING WAS CLEARED UP TODAY FOUND OUT DIFFERENTLY AND THEY ARE STILL REQUIRING ALL VERIFICATION BE NOTARIZED PLEASE HELP ME RESOLVE THIS THEY ARE THREATENING TO CLOSE MY ACCOUNT IF I DON'T MEET THESE FINANCIAL AND PHYSICAL HARDSHIPS BEING PLACED ON ME. AFTER NUMEROUS TIMES OF BEGGING AND PLEADING ESPECIALLY WHEN YOU CAN LOOK AT CHAT LOG AND MESSAGES AND REALIZE THIS WAS DONE BY MISTAKE BECAUSE AGENT DIDN'T ADVISE ME TO FILL OUT BUSINESS CREDIT PORTION OF THE APP ESPECIALLY WHEN YOU HAVE SO MANY CHAT MESSAGES TO GO ON. BUT YET PLACING THESE FINANCIAL AND PHYSICAL HARDSHIPS ON ME WITH THE THREAT OF CLOSING MY ACCOUNT
02/21/2017 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • TX
  • 762XX
Web
This started in XXXX of XXXX, when I received a phone call with a program to receive a zero-interest rate credit card and complete a balance transfer. I agreed verbally but then realized the only debt we had was Discover and at the time was at a zero-interest rate. I immediately called the person back and told him I was NOT interested since my Discover was already at a zero-interest rate. That seemed to work and I never received another phone call or anything in the mail. Nothing was ever sent to us : no transfer was ever made. Then the following happened : On XXXX/XXXX/XXXX I received a phone call from an individual by the name of XXXX XXXX representing herself as a Legal Representative of Discover. She informed me that XXXX ( XXXX ) was trying to locate me because I owed approximately {$4900.00} in fees and dues. She also told me that a subpoena was being issued if the balance was not paid that day. She recommended that I call XXXX, XXXX XXXX at XXXX and get the information to make the payment. Both my husband and I were out of work and trying to get work, so a subpoena would damage any prospect of employment. XXXX XXXX suggested that we complete a Cash Advance with Discover and make the payment. We went to XXXX locally, made a Cash Advance and deposited the funds into an Escrow account, XXXX XXXX XXXX in XXXX, account number XXXX. We spoke with XXXX XXXX the following Monday, gave her all the information. She assured us that she would get all the money back by the end of the week. Well, the following Friday, XXXX/XXXX/XXXX I received another call from a XXXX XXXX with Corporate XXXX in XXXX stating that we owed another {$4300.00} for past taxes and fees. I immediately called XXXX XXXX and reported the call. She again took all the information and stated she would help. I gave her the phone number of XXXX XXXX to call and ask on our behalf the exact amount due. She called back and reported to me what she was told. She also stated that since she had them on a recorded line they could never come back and request any additional funds from us. She made arrangements for a balance transfer to be made from my checking account to pay the {$4300.00}. Once the funds were available, I was instructed to go to XXXX XXXX XXXX and make the deposit into account number XXXX in the name of XXXX out of XXXX, Florida. I have been trying to contact XXXX XXXX with Discover for the past two weeks with no answer. The phone number she gave me was XXXX and stated that was her personal work phone. I asked her for an email address and was told that they did not have email access but I could always contact her via Secure Messaging with Discover. I have called customer service with Discover several times asking for a Legal Representative and was told that no such department exists. I have also sent a Secure Message and got the same answer. Now I am receiving calls from someone claiming to be with XXXX credit card again. And they are wanting {$4900.00} for processing fees to issue a credit card with zero-interest rate. Once I make the deposit, they would issue a cashier 's check in the amount of {$7000.00}. I told them I did not want any such credit card and wanted to cancel any such association with them. The representative informed me that there would be a cancellation fee of over {$4500.00}. I requested all the terms of the card and membership to review and was told I would receive this after the processing fee was paid. Again, I was given the banking information to make either the processing fee or the cancellation fee. The transfer information provided was : XXXX XXXX XXXX, account number XXXX in the name of XXXX out of XXXX, Florida.
11/28/2016 Yes
  • Credit card
  • Credit card protection / Debt protection
  • AZ
  • 85225
Web
My wife and I share a Discover Credit Card account. We were both at a XXXX, when I began to receive alerts of purchases being made on our Discover Card at stores near our zip code. Many of the stores were merchants and store locations we have never visited. I used my Discover app to " Freeze '' my card and immediately called Discover to report the fraudulent activity. The representative explained they would investigate the purchases, but assured us the activity was now blocked. The Discover App Alerts were instrumental in limited the loss ( well over {$1000.00} in a matter of hours ), but the damage to the merchants and Discover was done. These events occurred a couple of months ago. Just yesterday, I received a letter from Discover stating that the matter was under a probe and if they deemed that we were indeed responsible for the activity, the chargebacks would be reversed and we would be held responsible. Although I understand this is probably " canned '' language, and I have not suffered a personal loss at this point, I 'm taking the time to report a suggestion to the credit card industry as a whole. With the amount of information floating frivolously XXXX, the potential for theft is overwhelmingly on the rise and more difficult to guard against. Our economy is being bled out my amateur and advanced, domestic and foreign hacks. I 'm sure cost/benefit analysis favor ease of use by consumers over risk-mitigation controls, but the truth is, time/speed/rapid response analytics provide the choke point. My wife and I also have a XXXX, and the analytic capabilities displayed by this financial institution ( FI ) can be inconvenient, but the risk of loss to both consumer and FI is greatly limited when real-time analytics detect aberrations in activity and block the use of the card. Thieves might get away with the credit, but they most likely will not invest the time to mimic spending patterns used by the actual consumer. More effort may be invested in creating apps with consumer approved patterns of use. A link between a communication device and a card could allow new merchant locations to be added to a list of approved merchants. An app which allows the consumer to select and deselect merchant/retail locations in real-time would be much more cost-effective and provide more protection to the XXXX economy than chasing the culprits after the fact. Stats show people in the XXXX are more concerned with Identity ( credit card ) theft than they are with XXXX, most likely because most of us have been personally affected by this type of crime than the inverse. In fact, this subtle attack on the XXXX economy is like a silent XXXX in its own right ... a destructive XXXX. XXXX a high-caliber focus-group/analytic team, and I believe you will find a rise in consumers who are more willing to be inconvenienced with contributing seconds of real-time intelligent data to consumer protection apps. I believe FI which prioritize protection over convenience will see a migration TO and XXXX away from the majority of consumers. I know I must call my XXXX ahead of time if I will be conducting business in an abnormal pattern ( travel or amounts, etc ) before I use the card, but I would happily notify them than having a looming, daunting feeling that even though my wife and I were obviously victims of a crime, we ca n't help but feel accused by the letter we received from Discover. XXXX of the charges is now being charged to us at a store location we have never visited before!!!! ( We are out {$260.00} so far and with potential for more personal loss ). Ughh! We love our Discover card, but I 'd prefer protective analytics more like the XXXX analytics. Thanks, XXXX
02/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TN
  • 37128
Web
On the XXXX of XXXX, XXXX I sent in an endorsed bill in the amount of XXXX along with my handwritten instructions to XXXX XXXX the XXXX of Discover. I sent in another endorsed bill on the XXXX of XXXX, XXXX in the amount of XXXX along with handwritten instructions to XXXX XXXX XXXX, XXXX of discover. The principal 's balance was not applied to the principal 's account. Discover is and has been defaming my creditworthiness by reporting inaccurate information to credit reporting agencies. I sent another endorsed bill on the XXXX of XXXX, XXXX in the amount of XXXX, and again on the XXXX of XXXX for the remaining balance, which was XXXX due to them adding a temporary credit to the account. On the XXXX of XXXX, I received an email from discover saying I had to verify my account by sending in my personal banking information ( statements ) and they had to be notarized. I informed the agent that I do not agree to share my personal non-public information with them nor did I feel comfortable with the notary seeing my bank statements. The agent told me that if I did not send the information that they were asking for they would shut my account down, I then informed the lady that, that was considered extortion. I proceeded to do what they told me to due in order to keep my account open. I sent in the bank statements along with the notarized sheet. I get an email regarding my account and I call discover they tell me that the notarized document wasn't showing fully on their end and that I needed to do the process over. I do the process over and send everything in. I get another email regarding my account and I call discover the agent tells me that I need to upload the notarized document again and that they received the bank statements. I asked what was the reason and she informed me that they could not see the stamp. I informed the representative that she might be looking at the old document, but I would resend everything via fax. I later was informed that the balance on my statement sheets was wrong and that they needed to be corrected because XXXX was showing a different balance. I go over my bank statements and call discover back to inform them that I never sent in a statement for the month of XXXX because it was not available yet. I'm telling this information to the young man and he tells me that the notary I used was not proper and that the notary had to be tied to a business. He stated that I could not use a mobile notary. I told the young man that I did not use a mobile notary and that the notary I used was tied to a business and that the name of the business was listed on the document the notary had to fill in. The young man/ rep informed me that, that notary was not approved or found in the system. I told the rep that I just spoke with someone an hour ago and the young lady didn't mention this at all and that it seemed strange that no one at discover told me that I had to use a certain establishment to get documents notarized. The representative told me that the notes were just added to my account. Discover closed my account down. I used the Bill Of Exchange Act which gives me the right to endorse all bills. I also have the U.C.C Article 3 ( 3-104 ) negotiable instruments, which allows me to endorse my bills and the card agreement is in fact a negotiable instrument. Discover is currently still reporting a balance/delinquency of the account. This is in fact a billing error since they received the endorsed bill back in XXXX of 2022, I was informed of this by a lady who works at discover in the customer service department. XXXX is willfully and knowingly violating 15 usc 1681 ( a ) ( 4 ) |15 usc 1681a ( 2 ) ( A ) ( i ) | 15 usc 1681b ( 2 )
01/19/2016 Yes
  • Credit card
  • APR or interest rate
  • AZ
  • 85032
Web
Discover offered me an approximately year long 0 % balance transfer offer about XX/XX/XXXX-XX/XX/XXXX. It was for approximately one year. I had a small balance on my Discover at the time to the best of my recollection. I received a somewhat larger than normal bonus XX/XX/XXXX, so paid off the rest of my Discover balance to take advantage of the 0 % offer. I received checks ( unrequested ) from Discover for this offer, and they said I could deposit directly in my checking account. Id did that for approximately {$8000.00}. I then also paid off some other balances on other cards on line. About a week later, after paying off other balances, etc. in reliance, I woke up and checked my checking account to see an approximately XXXX-XXXX negative checking balance. Despite my account having been XXXX with Discover, they erroneously reversed the 0 % deposit check, which caused my checking to go negative, massive other payments to get reversed, and huge checking fees. I still have {$43.00} in fees my bank never reimbursed me. I was in a panic that all my other lenders would send me into a default rate. Discover fell over itself apologizing for the error. They ended up having to structure a transaction with a partial replacement 0 % check and then they made a manual adjustment to my account to give 0 % for the other half. They were both still supposed to be the duration of the original deal which was a year. I got my XX/XX/XXXX statement today and lo and behold there is {$43.00} and change in interest on there. About half of the original what was supposed to be 0 % for a year reverted back to purchase rate 16.24 % in XX/XX/XXXX, 6 months or so early. The rest of my balance is still at the 0 % where it is supposed to be through XX/XX/XXXX or XX/XX/XXXX. I just noticed it, called Discover and spent a half hour on the phone. They can not explain how I have XXXX different rates and terms on what was all supposed to be a single transaction at 0 % for approximately a year from XX/XX/XXXX. Again, the only reason they ended up doing half transfer and half manual readjustment to 0 % purchase APR on their end was their mad scramble to get the money back in my checking account before I went to default rate on everything and, while I was successfully paying off debt, nevertheless get thrown into BK because of Discover pulling the carpet out from under me. Some thanks for paying off my Discover balance and being a good consumer. So to sum, they improperly reversed the first check, then put together a deal to get the money back to me which was still supposed to be the same terms ( 0 % for a year ), yet they have cut the term in half for half the deal, which will cost me several hundred in interest plus the original banking fees I still have not been reimbursed from their first mess up XX/XX/XXXX. You ca n't have XXXX sets of terms out of a single deal, just because it turned into XXXX or XXXX transactions solely because Discover 's own error resulted in that ; had they not improperly reversed the XXXX check I never would have had a negative checking balance that created an emergency that resulted in Discover having to send me out new checks, make manual account adjustments to my terms, etc. -- if the boilerplate language to that XXXX set of docs is different, that too is their problem -- we would not be dealing with those had they simply honored the first check. The XXXX one I deposited that they improperly reversed was for about $ XXXX for a year at 0 %. That is the deal I should get on my whole balance, not half. They need to honor it, reverse the XX/XX/XXXX interest charge, and reimburse me the {$43.00} in bank fees I never got back from their error XX/XX/XXXX.
10/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WI
  • 53209
Web
A debt on my credit report is abuse, deceit and unfair debt collection practice. This debt on my credit report has caused me to get denied certain necessities in life ( IE. Home, employment, car ). While checking my credit report I noticed that you all furnished an account on my credit report without my consent which has cause to get denied for multiple necessities in life ( IE. Home, employment, car ). There are laws in place to prevent your company from furnishing information on a consumers report. 15 USC 1692a ( 2 ) states ; the term " communication '' means the conveying of information regarding a debt directly or indirectly to ANY person through any medium. Therefore, furnishing of the consumer report ( giving information regarding the alleged debt ) by your company is " communication '' as stated by the Fair Debt Collection Practices Act ( FDCPA ) As my rights state per 15 USC 1692c ( C ) I'm giving you formal notice to stop any further communications regarding this account immediately. This includes but is not limited to Consumer reporting Agencies ( XXXX, XXXX, and XXXX ) Please do not respond saying you are not governing by FDCPA or you are exempt. You are in fact a " debt collector ''. 15 USC 1692 ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; ( B ) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts ; ( C ) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; ( D ) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt ; ( E ) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and ( F ) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person ; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor. REMOVE ACCOUNT IMMEDIATELY
11/02/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • FL
  • 32168
Web
On XX/XX/2023 I utilized a promotional check from Discover, which I had done before, to transfer a balance of about {$2400.00} from XXXX XXXX over to them for 1 year at a 0 % interest rate. I have never paid any interest on a credit card nor have I ever had the need for a cash advance. I have worked for three banks myself and am very familiar with the industry and how everything works. I set up my auto pay immediately for {$200.00} a month with Discover and do not need to check my account monthly as I have the autopay and I do not use the card for purchases. I was about to transfer a small balance for dental work over to Discover when I noticed the balance was still quite high. I looked at a statement and noticed {$55.00} of interest had been charged so I immediately called to find out what had happened. What they proceeded to tell me is so outrageous and fraudulent, I am still in shock. I expected to hear that maybe I had confused the length of the promotion, which is not likely with how diligent I am with my finances, but they went on to tell me that I had been charged interest for a CASH ADVANCE. I asked them how that was even possible when I had used their own Discover card check with the balance transfer rate posted on it to pay off the balance with XXXX XXXX and transfer over to them. She said she understood perfectly that I had used the correct check, it was for a balance transfer for a year for 0 % but ... .here 's where the insanity begins .... '' XXXX XXXX cashed it as a cash advance, so it was posted and charged as a cash advance by Discover because of XXXX XXXX. '' This makes ZERO sense in every capacity imaginable. They acknowledged the check was for a balance transfer, but it was XXXX XXXX 's " fault '' for cashing it as a cash advance. This is not how a cash advance works at all. Discover told me they would not refund the interest they had fraudulently been charging me this whole time, and that I was out of luck. I asked them how in the world this was a cash advance, and she would not answer me, just kept casting blame on XXXX XXXX. I asked them to explain to me what a cash advance was and how this qualified as one when this was an existing BALANCE, not new money being issued to me by anyone. i never agreed to this, this was not the offer or what the check was for. They would not answer my questions. Yes, I got irate because they were refusing to answer my questions or take responsibility for THEIR mistake. I asked how in the world they could charge me for a cash advance when no new money was issued to me or without my knowledge or consent, and again they blamed XXXX XXXX. First of all, XXXX XXXX simply accepted payment and transferred the balance over to Discover. They had NO IDEA what the heck Discover was even trying to say by claiming they " cashed it '' as a cash advance when they simply accepted payment by check. There would be no penalty nor any kind of labeling of a cash advance on a payment! They were RECEIVING payment, not issuing money and they also pointed out that Discover collecting interest on money they did not issue was fraudulent. How could they claim it was a cash advance when they NEVER issued me any money, they simply accepted a balance transfer, knew and admit it was a balance transfer, but refuse to honor it. I called my other two banks and they said what they did is completely fraudulent and they owe me my interest back. I have lost {$410.00} and have no intention of paying off that part of the balance when i close the account tomorrow. I will provide anything if requested but am having a hard time getting anything from Discover to defend why they fraudulently charged me as a cash advance.
12/26/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • XXXXX
Web
To Whom it may concern, I currently hold a student loan with Discover Student loans. I previously sent a compalint to CFPB, # XXXX. Discover Student loans has not solved my problem but unfortunately it appears to you as a Closed case. Discover did anwer, but their answer does not solve anything. I currently have the same problema, nothing has been solved. I have been making monthly payments since I got the loan. On XX/XX/2018, I decided to pay the full amount of the loan, USD {$20000.00}, I paid before my monthly due date and USD {$57.00} today, XXXX2018. Discover argued that due to the fact that it was a large amount of money and that its an international wire transfer, it would take more days than usual for the them to confirm reception of the funds. I sent proof that the payment was sent. Discover had me on 9 days delinquency status since they argued they had not received the funds. Not only did they never answererd on received the money, they told me they sent it back, but never gave information of the datails of such wire transfer. Ever since that day I have been calling and sending emails, but Discover has not solved my problem, which was actually caused by them. As of today I was finally able to confirm with my XXXX XXXX XXXX, that they did receive the money back. Had to call Discover, again, today, XX/XX/2018, to ask them to send me in written form, via my email, ALL the details that they need my wire transfer to have, that I will be sending Discover, AGAIN. They did not give me an answer, I can not send the wire transfer again, without them confirming in written form ALL details that they need in order to recognize and confirm reception of the wire transfer, in order to avoid the same mistake they did the last time I sent the money. I also need them to confirm the exact amount that is due, in order to fully pay off the complete loan. I am also waiting on the confirmation of the USD {$100.00} credit they offered me, via phone and email. When they sent back the money, they discounted USD {$25.00} for sending me back the money, charge which I will not accept since the problem was caused by them, I demand to be reimbursed with the USD {$25.00} wire transfer fee they charged. My bank in XXXX XXXX, is going to charge me another USD {$25.00} for sending the money, via wire transfer back to Discover, again. For the same reason, I will not pay for this, I demand Discover to pay for this, via an additional credit they will give me. As a reminder, all this problems have been caused by them, since XX/XX/2018, when I originally send them my wire transfer with ALL the details the told me they needed. I need to know if any penalties should be applied to Discover for the time and money it is costing me to fix the problems they caused and actually be able to send the final payment and be done with the student loan I correctly have with them. I speculate they are causing all this problems on purpose, in order to charge me more interests since the date of the final payment is being extended, on purpose, by them. I would like to know if they can be penalized for this issue. In summary : 1. I need Discover Student loans to send me via email, ALL the details my wire transfer to them, needs to have. Including the exact amount due. 2. I need Discover Student Loans to confirm the credit of USD {$100.00} they offered me, plus additional credits for the money it is costing me to send them the wire transfer again. 3. I would like to know if CFPB ( Consumer financial protection bureau ) can penalize Discover Student Loans for the all the money and time, Discover Student Loans is making loose. Regards, XXXX XXXX
05/18/2017 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Problem lowering your monthly payments
  • MD
  • 217XX
Web
On multiple occasions my husband and I have reached out to Discover Student Loans to inquire about a refinance or some sort of a modification. Every time we call, we are given the run around and told basically nothing can be done. We most recently applied to refinance our student loan in XXXX ( with Discover ) and we were denied ( husband as cosigner ). And more recently than XXXX, we had conversations with Discover Student Loans on XXXX XXXX 2017 in an attempt to ask for help with no avail. We have always struggled with this Private Student Loan over the last 10 years ( estimate ) since my graduation. The monthly payment and interest rate are unbearable at this point. The Interest Rate is 9.175 % and the monthly payment is {$410.00}. Over our repayment period, {$39000.00} has been paid towards interest, and only {$2200.00} has been paid towards principal. We are not in delinquent status, and have always made our payments on time. On the XXXX XXXX 2017 phone call, we basically begged and pleaded that Discover do something to help us. Our FICO 's and DTI are not pristine, so they would not even consider manually underwriting our file and instead issue us an automatic denial. We simply asked that Discover manually underwrite us for a refinance/modification under the good faith of our good standing of payment history. Our frustration with Discover Student Loan is that they are completely unwilling to work with us when we have expressed the desire to work with them in an effort to repay our debt. If we are struggling to pay {$410.00} a month at a 9.175 % interest rate, but have always put other bills on hold so we can pay this Private Student Loan, then why would n't it be in the lender ( Discover ) and borrowers best interest to work together to make the payment more manageable? Current student loan rates range from 3.5 - 7 % ( based on what I 've seen ). Our proposal to Discover Student Loan was that they refinance us at a new 20 year term at a lower interest rate, with consideration given to our repayment history in an effort to lower our monthly obligation. They are either unwilling or unable to work with us. They have already received $ XXXX in interest, and would continue to earn more if they would just work with us to ensure we can continue to afford the payment. Since our last conversation with Discover on XXXX XXXX 2017, we have taken two steps. We choose to go with a forbearance to give ourselves some breathing room. This, as we both know, will free up cash flow in the short-term for us, but will only worsen our situation by compounding more interest ( we felt forced to make this decision ). The second thing we did was to fill out an application to remove my mother as a co-signer ( which was needed to originate the loan over 10-years ago ). We do not know if the request to remove the co-signer will be approved our denied, but we do n't want a potential delinquency to hurt my mother 's credit standing. Our thought, which we expressed to Discover, was that over this forbearance period we are going to have to seriously consider if this is a loan that we should choose to let go into default and just become a growing statistic. We have paid $ XXXX in interest, and our principal loan amount has only risen over the life of the loan. I 'm sure the moment we go into default Discover will be calling us to work something out. If that assumption is correct, why ca n't they help a borrower that has a current and timely repayment history and is trying to be proactive? Thank you very much for taking the time to consider our situation with Discover Student Loans. Please let us know if any additional feedback/information is needed.
03/19/2020 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • NC
  • 27597
Web
I own a home which is paid for in full ( that has no mortgage on it ) with my XXXX Mother, whom I am the Legal Guardian of ; therefore, I am licensed by the State of North Carolina to handle all of her Business Affairs, Real Estate Transactions, any and all Legal Affairs, etc. I contacted Discover Bank/Home Equity Loans to put in an Application to acquire a Home Equity Loan for the continued care of my mother, and for her XXXX Accessibility needs. However, when I attempted to put in our Application over the phone, I was refused service by XXXX - MLS # XXXX. He said that I would have to put my mother on the phone, or he wouldn't process our application ; not in my name, or hers. Then I explained to him that I was her Legal Guardian, and offered to submit my Guardianship Documentation to him via email, fax, mail, etc., for him to review, and/or for their Discovery Bank Lawyers to review as well. After telling me it was against Discovery Bank Policy to honor a Power-of-Attorney, I then explained to XXXX that a Power-of-Attorney is a lesser authority and is given by an individual and can be revoked by them at anytime ; but Legal Guardianship is when the State along with a Physician removes the rights of an individual and gives it to someone else who can act for their best interest. I told him that my mother could not make an agreement with Discover Bank because she wouldn't be able to XXXX or XXXX the terms of a Contract ; therefore, I have been appointed by the State of North Carolina to act upon her best interests. When he still refused to allow me to submit an application, I then asked to speak with his Manager. And a Supervisor ( who wouldn't get on the phone with me ) named XXXX, refused to allow me to submit my Guardianship paperwork, and she too refused to allow me to submit an application for a loan. I told XXXX that not allowing me to put in an application along with my mother was Discrimination ; that because she is unable to XXXX with him XXXX, and because Discover Bank refuses to make accommodations so that a XXXX person can have the same accessibility and rights to apply for a loan just like everybody else, that what he was doing is illegal. And again, he still refused to allow me to put in an Application. Then I asked and insisted again to speak directly to a Manager, and this time XXXX - MLS # XXXX got on the phone to speak with me. I again offered to submit proper documentation to show that I'm allowed to manage all Business and Real Estate Affairs for my mother, and am legally allowed to and an legally obligated/responsible for placing an Application with Discover Bank, and she told me it is against Discovery Bank 's policy to honor any Power of Attorney or Guardianship Representation. THAT IS A QUOTE, and I was also told that our telephone call was being recorded by Discover Bank. After that, XXXX again refused to check with their Attorneys ( which I asked her to do more than once ), and she too refused to allow me to put in an application for a loan. DISCOVER BANK should be fined heavily by the State of North Carolina, and they should be made to allow all individuals the right to put in a Loan Application without being discriminated against because of their XXXX, without discriminating against the elderly, or training their employees to deny XXXX people accessibility to their services. What Discovery Bank and their Employees did to me hurt me ... and it hurt my mother too, while I'm trying my best to do everything that I can to try and protect her from this Coronavirus Outbreak ; and just from those bad memories alone, they should not be allowed to do that to anybody else! Period!
05/26/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • RI
  • 02816
Web
My name is XXXX XXXX and I have been a customer of Discover since XXXX of 2012. This was my first credit card I have ever had. I have never had any issues with discover and they have always treated me fairly. On XX/XX/XXXX of this year I was a victim of credit card fraud for the amount of {$4300.00}. This transaction was made at a jeweler that is about a two hour drive from where I live. Upon noticing the transaction I searched through my wallet and notices the Discover card was missing. I called Discover and informed them of the fraudulent transaction. The first interaction I had went well as the rep I spoke to was very sympathetic and reassured me that I would not be liable for the transaction. I also explained to her that I had just made a purchase through XXXX that was not fraudulent around the same time. I was able to make this transaction because my Discover card information has always been saved to my XXXX account. The rep I spoke to was very understanding and I ended the conversation feeling very calm as it seemed Discover would handle the situation and my credit score would be okay. A couple months later I received a notification from one of the credit agencies saying my credit score decreased because my percentage of credit used shot up. I checked all my credit cards and noticed that my discover card balance had shot up well over {$4000.00}. The fraudulent charge from XXXX had been reapplied to my account. I had to wait until the next business day to contact that department because they were closed. Once I contacted the Discover department that handles these investigations I spoke to a gentleman that wasnt very helpful. I asked him a few questions and his responses were very condescending. Throughout the conversation I asked him to give me the reason for the charge being applied back on my account. The reasons he gave me were very vague and all based on assumptions. There was no actual proof that I had made the purchase but the gentleman I spoke to accused me of having done the fraudulent charge myself. The gentleman told me that the vendor had supplied them with a copy of my drivers license and that it was presented at the point of sale. Discover has not send me a copy of this information for me to be able to dispute it. I never lost my license. The only items missing from my wallet were a few business cards, my discover card, a XXXX gift card and a small amount of cash. I submitted an affidavit to Discover with photo evidence of my Discover card being saved to my XXXX account as this seemed to be one of the reasons that discover is assuming I am guilty. I am willing to drive to XXXX ( 2 hours away ) to file a police report but I was told I did not have to by the first representative I spoke to. I have been trying very hard to pay off all my debt, primarily my credit cards, so that I could apply for a home equity line of credit so that I could go back to school and finish my degree. I have had to put that all on hold because of this issue and I am missing summer classes that will put me behind another year to getting my degree. This has been an incredibly frustrating and stressful experience for me as I do not have the funds readily available to me to be able to pay off this large of an amount off of my credit card. This is also negatively impacted my credit score which I have been trying very hard to improve. I am very surprised that this transaction wasnt blocked as it was made so far away from the town where I live ( and very rarely leave ) and it was a large purchase from a jewelry store ; the most expensive piece of jewelry I own is an {$80.00} pair of earrings that I havent worn since college.
10/14/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • MD
  • 21117
Web
I have had a checking account with Discover Bank for over a year. During that time, I have had no issues with my account -- that is until recently. XX/XX/XXXX I went to XXXX for a few weeks. When I returned and starting going through voicemail messages, there was a message from Discover Bank 's Fraud Unit. Shortly after listening to the message, I contacted Discover Bank. I was transferred to another department after my initial contact with front line customer service. However, neither the front line CSR or the person to whom I was ultimately connected would tell me what department I was to speak to. Nevertheless, the representative informed me that my account was being closed due to being overdrawn by {$35000.00}. My first reaction was that they must have my account confused with another customer because I have never initiated {$350000.00} in transactions during a one month period. However, the representative confirmed it was my account, and he went on to tell me that in reality, my account was NOT currently overdrawn, but has a positive balance of {$2200.00}. He told me the {$35000.00} was the result of multiple online bill payments, but they were returned as NSF and my account had been closed. I told the representative that I never initiated these transactions, nor was I home at the time they were made. He told me he was going to check to see if the representative handling my account was available, but after waiting on hold for about XXXX minutes, I ended the call. I attempted to call back, but I was told that the department with whom I needed to speak was closed, and that their hours are XXXX-XXXX EST M-F. Oddly, when I spoke to the representative in the undisclosed department, it was outside those hours. In the meantime, I have tried to make contact with Discover to no avail. I am told that either the undisclosed department is closed, or I am placed on hold for excessive amounts of time, and I do not have the time to idly sit and wait to speak to someone. Since this fiasco began, I have had multiple LEGITIMATE ACH transactions submitted, only to be returned by Discover with a notation stating " ACCOUNT CLOSED/BLOCKED -- DO NOT RESUBMIT. '' Because of this, I have incurred multiple returned payment fees from creditors, and XXXX of my accounts have been reported to the credit bureaus as late even though I paid them on time and had sufficient funds in my account. This has caused my credit score to drop nearly XXXX points, and XXXX creditors have slashed my credit lines due to these late payments. I am attaching screen shots of my XXXX credit report to confirm this information. Discover clearly could care less about the fact that I neither authorized nor initiated the online payments that caused my account to overdraw by {$35000.00}, and that 's fine. Discover stated my account was closed, yet {$2200.00} sits in my account, and I am unable to access it to pay bills. I have suffered a financial loss both monetarily and by have a blemish on my credit report. At this point, I have no desire to maintain a relationship with Discover. I thought they had closed my account, but that turns out to be inaccurate because I have not been refunded for my account balance. However, regardless if my account has been closed by Discover, at this time I request Discover close my accounts and return all funds to me in an expeditious manner, preferably via express service. In addition, I am asking that Discover reimburse me for the incurred returned payment fees, which total {$140.00}. I also ask that Discover reach out to the creditor who is reporting the late payments and explain that this is through no fault of my own.
06/16/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 33040
Web
I am writing to address a concerning matter regarding a fraudulent account that was reopened in my name without my consent. I have been a victim of identity theft, resulting in multiple credit cards being opened in my name without my knowledge. Upon discovering the unauthorized credit card accounts, I immediately contacted all respective banks to report the fraud and initiate the necessary steps to close the accounts. I promptly notified all three major credit bureaus and the FTC of the situation and initiated the dispute process to ensure the removal of these fraudulent accounts from my credit reports. Through diligent efforts, I succeeded in having all the accounts removed, restoring the accuracy of my credit history. However, to my dismay, I received a letter from Discover Bank claiming that no fraud was found and, as a result, the account in question was reinstated in my name and added back to my credit reports. This decision has left me astonished and deeply concerned, as the circumstances surrounding the reopening of this account clearly indicate fraudulent activity. I have taken prompt actions to report and resolve this issue, but I am now faced with the distressing circumstance of Discover Bank reinstating and reappearing on my credit reports despite clear evidence suggesting fraudulent activity. Throughout the account closure procedure, I lacked any specifics regarding the account, as a result, I collaborated fully with Discover bank 's representatives, furnishing my genuine personal information, including my accurate address, phone number, and email. I was also required to provide my social security number to your bank 's representative in order to locate and address the fraudulent account. Subsequently, Discover bank 's representatives informed me that the information I provided differed from that what was used during the initial application process. This single fact serves as conclusive evidence that the account was opened without my knowledge or consent, and that the individual responsible for these actions was not me. After reporting the account as fraudulent, I received an accompanying letter from Discover bank, revealing the associated transactions took place in California. I would like to emphasize that I live in XXXX and have been employed by a reputable hotel company for over two years. My employment verification can confirm that I was working diligently during the period when the fraudulent account was opened, and transactions were made. While I XXXX have had days off, most of my time is spent at work, typically five days a week, 40 hours a week. It is physically impossible for me to have traveled the distance from XXXX XXXX to California and back within the time frame of the transactions. As such, it is evident that I could not have been the individual responsible for opening the account or making any transactions associated with it. During my subsequent communication with Discover bank, I made it abundantly clear that I was unaware of the existence of this account and the fraudulent activities associated with it. Then I was further informed that Discover banks representatives had attempted to contact me on my legitimate personal phone number, which they perhaps obtained from one of my credit reports, in order to confirm the authenticity of the account. However, due to the numerous spam calls I receive on a regular basis, I mistakenly assumed that it was another fraudulent call and declined to engage further. This refusal to provide confirmation can not be construed as an acknowledgment of the account 's validity, as I never explicitly confirmed or accepted the account as mine.
02/08/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Keep getting calls about my loan
  • CA
  • 91360
Web Servicemember
Dear Agent, Addressed within my letter of complaint is a description of a three year cyber harassment, cyber extortion, and electronic espionage case violating my civil rights as a citizen and a consumer. I 've come to the conclusion, through logical reasoning and proof of evidence of the violation ; I noticed the harassers ' malicious intent in damaging my personal electronic devices and to disrupt my Internet services to prevent myself in obtaining prosperity and a successful future ; thus, it is evidently clear the harassers are trying to harm me financially. Unfortunately, there is no appropriate action taken in my defense to resolve the issues with each formal complaint addressed : sent online ; over the telephone ; appointment in person ; or described in a letter to corporate. During the time spent as a volunteer at the XXXX XXXX XXXX XXXX XXXX XXXX, I received harassment over the server provided by the federal government. I felt it jeopardized federal government 's employee positions and computers. Also, I became severely harassed and verbally threatened with XXXX slurs on my personal XXXX electronics and XXXX devices. I 'm prevented from : job placement ; earning money with my services, and continuing an education. Overall, the company damaged products within and without warranty : 1. XXXX XXXX Pro with Retina Display : Date of purchase : XXXX XXXX 2. XXXX XXXX Pro with Retina Display : Date of purchase : XXXX XXXX, XXXX ; Serial Number : XXXX XXXX. XXXX XXXX Pro with Retina Display : Date of exchange : XXXX, XXXX, XXXX ; Serial Number : XXXX XXXX. XXXX XXXX : Serial Number : ( first purchase ) 5. XXXX iPod : Serial Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX : Serial Number : XXXX XXXX. XXXX Printer and Scanner 9. XXXX XXXX XXXX, XXXX : Serial Number : XXXX 10. XXXX XXXX XXXX : ( Only used twice ) 11. XXXX camcorder 12. Every time I try to save a file on XXXX XXXX Pro with Retina Display : Date of exchange before XXXX XXXX, XXXX ; Serial Number : XXXX XXXX. Over a XXXX page report of Genius Bar Appointments sent to XXXX Corporate over the telephone and in personal at the retail store. 14. No longer accessible XXXX XXXX Pro with Retina Display : Serial Number : XXXX ; The computer can no longer turn " ON '' several weeks after the exchange because I began writing down documenting every error message and other technical difficulties about the recently exchanged product. Also, I was cleverly harassed on my desktop with their use of words, XXXX slurs, and verbal threats. Later prohibiting me from saving my files. Previously sent mail addressing my complaints to the government ; I yet to hear or notice action. Case Id : XXXX XXXX : case number with XXXX and XXXX Visa Case Id : XXXX : XXXX Customer Complaint : XXXX XXXX, Customer Relation ; XXXX XXXX, XXXX XXXX XXXX at XXXX XXXX Id : DP XXXX : letter to XXXX and XXXX Case Id : XXXX : XXXX, XXXX ; I complained far too many times for my issues not to be properly addressed ) Case Id : XXXX : Federal Trade Commission, FTC Case Id : XXXX : Federal Trade Commission, FTC Nevertheless, I 'm far too patient and with their unlawful use of cyber harassment and cyber extortion to continue. I suspect these business or governmental agencies are to blame : XXXX ; XXXX, XXXX ; Discover Student Loans ( I was harassed over my telephone with their phone calls ), XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX. I 'm interested in knowing who filed a report against me? Please reply by providing a letter of response with a detailed message about the issues addressed. The paperwork documented and saved in a folder is enough to pursue a legal litigation.
04/09/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NJ
  • 07105
Web
1. Identification of the issue The case revolves around seven transactions charged to my credit card account, which I do not recognise as valid. They are as follows : ( a ) XXXX : XXXX XXXX XXXX WA XXXX ( b ) XXXX : XXXX XXXX XXXX WA XXXX ( c ) XXXX : XXXX XXXX XXXX WA XXXX ( d ) XXXX : XXXX XXXX XXXX WA XXXX ( e ) XXXX : XXXX XXXX XXXX WA XXXX ( f ) XXXX XXXX XXXX XXXX XXXX WA XXXX ( g ) XXXX : XXXX XXXX XXXX WA XXXX As of today, transactions ( c ) , ( d ), ( e ), ( f ) and ( g ) have been charged to my account and the relevant amount collected by Discover. I am left bewildered by Discovers complete refusal to acknowledge or respond to letters stating all these seven transactions were unauthorised. 2. Initial action on my part I first noticed these transactions on XX/XX/2020. I did not recognise them and thus dispute all seven through Discovers online portal. 3. Initial response from Discover Six of the transactions were registered on the Disputes page of Discovers web portal. Temporary credit was applied to five of the transactions transactions. Transaction ( a ) received an automated permanent credit as a courtesy adjustment. Transaction ( f ) was neither recognised as disputed in that webpage, nor was there any temporary credit applied. Over the month of XXXX, Discover also sent three letters : One dated XX/XX/XXXX, referring to transaction ( e ), with case ref. XXXX One dated XX/XX/XXXX, referring to transaction ( d ), with case ref. XXXX One dated XX/XX/XXXX, referring to transaction ( g ), with case ref. XXXX Please find all these documents attached. I will note the letter XX/XX/XXXX was a communication of a decision that the transaction was valid, while the two subsequent letters expressed doubt that the transactions were genuine and asked for clarification on that regard. 4. Clarification that transactions were not genuine After receipt of the first two letters on XX/XX/XXXX, I replied with a letter dated that same day. Please find it attached as well. In that letter, I do the following : i. I identify the transactions ii. I make clear I did not authorise these transactions iii. I asked for clarification regarding the status of transaction ( f ) iv. I directly responded to cases XXXX and XXXX v. I made clear what steps I requested Discover take for resolution I did not receive a response to that letter, so I sent a new letter, dated XX/XX/XXXX. Please find it attached. In that letter I reiterated the points above and questioned the decision to reverse the temporary credit on the majority of the transactions. 5. Discovers subsequent ( absence of ) response As of today, I have received no response to either letter. In fact, I have not received any non automated communication from Discover since their letter dated XX/XX/XXXX. This is particularly problematic for two reasons : Discover has made a tacit acknowledgement of my letter dated XX/XX/XXXX, for a pdf copy is listed on the web portal, under the dispute cases cases ref. XXXX and XXXX. I will note that this has not prompted Discover to revisit its decision on either those cases or any other. Discover has made decisions on all six disputes listed ( I will note once again that transaction ( f ) is nowhere to be found ) and reversed the temporary credit in four cases. Please find attached a screenshot of the portal which shows the decisions for each of these cases. I will also add that all temporary credit reversals have taken place before XX/XX/XXXX ; and that in all cases except for transaction ( e ) I have not received any formal communication of the decision to enforce the chargebe it by letter or " via secure message at Discover.com ''.
01/26/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • IL
  • 60517
Web
The entire student loan process has been made extremely difficult through discover student loans. I have been struggling to make payments on my account and I have mentioned this numerous times to plenty of different customer service representatives through discover. I have requested that I speak to some sort of manager about a potential loan consolidation and all that I am ever told in response is that I am not able to consolidate. My payments are out of control and since I can not make some of the payments, my credit score is taking a gigantic hit. I am also having an extremely difficult time with identifying how much money it is that I owe. I have checked my account on Discover 's website and it is a completely different amount than what it states I owe to them on my credit report. I have made it extremely clear to Discover that I do want to repay my debt, but they do not seem willing to help me come up with a manageable payment and each time I let them talk me into some sort of forebearance not knowing the consequences that follow. I feel like the amount I am being told that I owe is not correct. I feel as if they are adding more and more as the days go on and I do not believe that can be the interest alone. The inability to find someone at Discover that acutally wants to help is extemely discouraging. The reports that they are making to my credit score have made it impossible for me to receive an auto loan. If I can not get a car, how do they expect me to get to work each morning and pay these astromoical numbers off. I am submitting this claim because I know that I am not alone in this. I need to consolidate my debt with Discover so that I can make resonable payments and get this loan paid off. Discover Student loans are an extremely unprofessional company and I am truly disapointed in how they have no issues taking advantage of students. Discover student loans allowed one of my loans to default early. They told me that I had called an hour to late to make a payment. I was working at the time and could not call and make the payment that I have been making until I was off work. They had allowed me to make minimum payments not explaining that all the money I was paying was only preventing my loan to charge off. They charged me XXXX per month just to prevent my loan from defaulting and did not even attempt to help me get a payment plan together to get that loan amount down. Instead, they repeat their usual saying, Can your cosigner pay? I've expressed that my cosigner is XXXX years of age and getting ready for retirement and can not pay these loans for me. I am asking for assistance to get my loans under control. Discover student loans have been a nightmare to work with. They call constantly. They have harrassed my family members and including an aunt that I have no association with. They called her and asked for my wareabouts like I am some sort of criminal. They are making my life extremely difficult and honestly have made me regret even attending school in the first place. They do not even know how many loans I have, or the total amount I owe. I called them back in XX/XX/2016, I had asked the representative how many loans I have and the grand total of these loans. The representative told me 3 loans and they totalled around 24k. Now I am being told via my credit score that discover holds XXXX of my debt. Nothing adds up with this company and all I want is justice. It is not fair to take advantage of people in the way they do. They give you two options : 1. pay a huge montly payment that is impossible to pay or 2. let it go into forebearance so that they can slap the interest rate on there.
07/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • MT
  • XXXXX
Web
Consumer Financial Protection Bureau Complaints Division 1700 G Street NW Washington, XXXX XXXX Date : XX/XX/XXXX Subject : Complaint against DISCOVER BANK for Multiple Violations of Federal Law I am writing to register a formal complaint against DISCOVER BANK for the numerous violations of federal law pertaining to my account. I seek your intervention to ensure that DISCOVER BANK promptly addresses and rectifies the issues outlined in this letter. Discrimination Violation ( 15 U.S. Code 1691 ( a ) ) : DISCOVER BANK 's arbitrary reduction of my credit limit, without any valid reason or due process, is specifically targeted at me. Such actions blatantly contravene the provisions set forth in federal law, which strictly prohibit discriminatory practices in ANY aspect of a credit transaction. DISCOVER BANK 's decision to decrease my credit line without my consent, knowledge, or benefit is not only a violation of federal law but also constitutes a breach of fiduciary duty. Violations of the Equal Credit Opportunity Act and Code of Federal Regulations : DISCOVER BANK claims compliance with the Equal Credit Opportunity Act and all applicable state and federal laws and regulations. However, the reduction of my credit limit, based on discriminatory factors mentioned in a DISCOVER BANK document dated XX/XX/XXXX, directly violates 12 CFR 1002.4 ( a ), 12 CFR 1002.7 ( a ), and 12 CFR 1026.12 ( b ). By unlawfully utilizing information obtained from consumer reports, DISCOVER BANK has engaged in discrimination against me, which is expressly prohibited. This conduct also violates the Graham-Leach-Bliley Act ( 15 USC 6802 ( 1 ) ), as my nonpublic personal information was disclosed without written consent. Previous Violations of Federal Law and Damages : Furthermore, I want to draw your attention to previous violations of federal law documented in CFPB complaint ID # XXXX. These violations include breaches of 15 USC 1602 ( f ), 15 USC 1602 ( p ), and 15 USC 1691 ( a ) ( 3 ). Consequently, I have suffered financial harm, mental anguish, emotional distress, and an inability to support my family, address essential household repairs or improvements, or invest in my business during the COVID-19 pandemic, when financial assistance was crucial. Unwarranted Contact and Harassment : DISCOVER BANK contacted my sister, who has no accounts or relationship with them, on XX/XX/XXXX at XXXX XXXX EST, using a phone number ( XXXX ) XXXX that I never provided to DISCOVER BANK. This unwarranted communication, made without my knowledge, permission, or authorization, directly violates 15 U.S. Code 1692d and constitutes harassment. As a result, my reputation has been tarnished, my family has experienced significant disruptions, and I have suffered emotional distress. Moreover, this unwarranted contact has further worsened the adverse impact on my credit score resulting from the reduction in my credit limit. Unresolved Complaints : I must emphasize that none of my complaints previously filed with the Consumer Financial Protection Bureau have been adequately resolved. Please find below a list of the unresolved complaints : COMPLAINT ID : XXXX DATE FILED : XX/XX/XXXX COMPLAINT ID : XXXX DATE FILED : XX/XX/XXXX COMPLAINT ID : XXXX DATE FILED : XX/XX/XXXX Ensuring Fair Treatment by Financial Institutions : It is of paramount importance to ensure that consumers are treated fairly by banks, lenders, and other financial institutions. I implore the Consumer Financial Protection Bureau to thoroughly investigate this matter and hold DISCOVER BANK accountable for their actions. Thank you for giving immediate attention to this matter.
01/14/2016 Yes
  • Credit card
  • Advertising and marketing
  • TX
  • 78254
Web
Hi, I 'm filing a complaint against Discover for deceptive and false advertising/marketing. Discover as part of their " built-in '' card benefits, offers their members Price Protection. " Shop with confidence now. Do n't miss out on the sale price later. If you see an item you purchased at any store at a lower price within 90 days, Discover will cover the difference. '' I purchased an item from XXXX on XXXX XXXX, XXXX using my Discover card and found a lower price for that same item on XXXX XXXX, XXXX. I called Discover on XXXX XXXX, XXXX to file a claim. Discover transferred me to their Benefits Department to file the claim. When I spoke to the Benefits Department representative, they informed me I was outside the 90 day period. I informed the representative, I was n't, I was within 90 days. I called Discover back and the Discover representative counted the days and confirmed I was indeed within the 90 days. ( please see Discover customer service notes and/or phone log to confirm this ). The Discover representative asked to transfer me ; however, I had to get back to work. I later called Discover back to file a Price Protection Claim on XXXX XXXX, XXXX. Once again I was transferred to Discovers Benefit Department, where they confirmed I was now outside the 90 day period because 2 days had gone by already. I informed them I tried filing a claim on XXXX XXXX, XXXX, while I was within the 90 day period. Discover 's Benefits Department refused to allow me to file a claim. I called Discover multiple times to try to get this issue resolved due to the original error being on their end ( error being when I called XXXX XXXX, XXXX within the 90 day period, only to be incorrectly told I was n't ). Additionally, when I called Discover each time, it seemed each supervisor I spoke with was unaware or not fully informed of how Discover 's " built-in '' benefits work, are handled, or administered. Furthermore, when I called on XXXX XXXX, XXXX, XXXX of the supervisors I spoke with documented that I was indeed within 90 days when I originally called on XXXX XXXX, XXXX. Discover was unhelpful, explaining they ca n't do anything due to Price Protection being administered by a Third Party. I asked how I can file a complained, which they were very vague about. I then asked how I could follow a complaint with the Consumer Financial Protection Bureau for deceptive and false adverting/marketing and they did n't know what I was talking about and did not provide that information. Discover is being deceptive in their practices as well as providing false advertising/marketing on their " built-in '' card benefits. Discover 's deception is shown through their less than adequate knowledge of how their " built-in '' benefits work and falsely advertising and marketing of those " built-in '' benefits. Discover offer their members built-in '' benefits ; however, when it comes to filing a claim and/or have an issue with the claim, they are unable/unwilling to assist. Individuals enroll with Discover not only for the card, but for the benefits they offer. By Discover not following through on their promise or by fulfilling the " built-in '' benefits they advertise and market to their customer they are being deceptive. Original Purchase Date : XXXX XXXX, XXXX Date lower price found : XXXX XXXX, XXXX Date I called to file a claim : XXXX XXXX, XXXX Number of Days from Purchase Date to Lower Price Found XXXX 31 days - 13 days = 18 days XXXX 30 days XXXX 31 Days XXXX 5 Days Total Days = XXXX Number of Days from Purchase Date to Call to File Claim XXXX 31 days - 13 days = 18 days XXXX 30 days XXXX 31 Days XXXX 11 Days Total Days = XXXX
04/15/2020 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • GA
  • 30052
Web Older American
TABLE OF MORTGAGE PAYMENTS AND INTEREST CHARGES BY 2 METHODS PLEASE NOTE : THIS TABLE DOES NOT SAVE IN TABLE LAYOUT IN THIS PROGRAM. PLEASE REFER TO ATTACHMENT WITH NAME : XXXX XXXX Table of Mortgage Payments and Interest Charges by 2 Methods.pdf. This table ( above ) helps to illustrate what is being said in the body of text below. Step 1 : What is this complaint about? The interest calculation method being used by Discover Home Loans seems to be a 12 Payments method that does not take into account the number of days since the last payment was posted. I was told by a Discover employee that they use a 360 day year as a basis for their calculations. With their 12 month method, they would collect more than 12 months interest if more than 12 payments were made in a 12 month period. The 12 month method also charges a full months interest, even if a payment is deposited only 14, 18 or 21 days following the previous payment being deposited. ( see table ) Step 2 : What type of problem are you having? I set up a spread sheet using a 360 day year ( same as Discover told me that they use ). However, my spread sheet takes into account the number of days between one posting and the next. Step 3 : What happened? I contacted Discover and complained over the phone about excess interest being charged, giving details. ( Date not recorded. ) I received a response letter dated XX/XX/XXXX saying We will need an additional 15 days to respond. I received a letter dated XX/XX/XXXX ( mailed XX/XX/XXXX ) which did not address the actual issue. Instead it undertook to give a tutorial of how an amortization schedule worked and how they had changed the interest charged on payments when extra amounts toward principal were included with the payment check. The letter was signed Research Department. I responded on XX/XX/XXXX in a letter to Research Department. In this letter I went into full explanatory detail about my complaint vis -- vis Research Departments response and the details of payments and charges on our account to that time. I received a letter from Discover, dated XX/XX/XXXX and postmarked XX/XX/XXXX. The letter acknowledged receipt of my inquiry regarding the above referenced mortgage loan and have referred your inquiry to the appropriate area for review. We will make every effort to provide a response to your inquiry as promptly as possible. In any event we will do so within the time limit required by law. As of this writing ( XX/XX/XXXX ), thirty-three ( 33 ) days after the last letter above, no further communication has been received. Discover will have collected ( as of the projected XX/XX/XXXX or XXXX, XXXX deposit of our most recent payment, which was submitted online XX/XX/XXXX ) SIX MONTHS INTEREST DURING THREE AND ONE-HALF MONTHS! Step 4 : What company is this complaint about? As of this writing on XX/XX/XXXX we have made six ( 6 ) payments* during the period for which only four ( 4 ) were scheduled. The resultant difference in interest calculated on a {$35000.00} loan at 4.99 % simple interest is {$210.00} This is at 134 days XXXX about 4 months ) following the issuing of the loan ( on XX/XX/XXXX ) and only 98 days ( barely over three months ) following the date the first installment payment was due ( XX/XX/XXXX ). Based on 4 months since the issuing of the loan, that is an average of {$48.00} per month extra interest being charged. Step 5 : Who are the people involved? Co-borrowers : XXXX and XXXX XXXX, both retired Discover 's Research Department no readable individual name was given. The XX/XX/XXXX letter was signed, with no typed name shown and the signature could not be read.
07/06/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • AL
  • 363XX
Web
Date XX/XX/18 Time XXXX CST, Duration 15 min 21 sec XXXX CST, Duration 24 min 32 sec I called Discover about their error in allocation of the payments that I have been making. First I had given basic info regarding my knowledge of the how the payments are to be allocated, and as I was explaining to them about my knowledge of the practice, the service representative straight out informed me that the minimum payment gets applied to the lowest interest balance rather than being distributed to the all of the accounts according to the percentage of the balance that each balances contribute to the total balance. First of all, I have been paying monthly payments in excess of roughly {$200.00} with the minimum payment being roughly {$100.00} each month ... to total {$300.00} in monthly payments that I have been making. So basically third of my payment gets applied to the LOWEST interest balance and the remaining {$200.00} gets distributed according to the credit card act of 2009. I am not complaining about how the {$200.00} is being allocated, but I am complaining about how {$100.00} is being allocated to the LOWEST interest balance. The first service representative told me that it was the lawful that the Discover allocate/designate the minimum payment to the lowest interest balance because of the credit card act of 2009. I had asked the person to provide me with the means to have a look at the act myself, which she was very helpful. So I disconnect with the first person because I found the act, but upon reading the act, where it talks about the allocation of the payment, ( 164. Prompt and fair crediting of payments ( a ) IN GENERAL.Payments ; ( 2 ) by inserting, by XXXXXXXX XXXX on the date on which such payment is due, after in readily identifiable form ; ( 3 ) by striking manner, location, and time and inserting manner, and location ; and ( 4 ) by adding at the end the following : ( b ) APPLICATION OF PAYMENTS. ( 1 ) IN GENERAL.Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. ). It say NOTHING about how the minimum payment MUST be applied to the lowest interest balance. So I called Discover back regarding the loophole in the ACT of 2009, about how the Discover CHOSE to interpret it has the minimum payment HAS to be applied to the balance with the lowest interest, and saying that they are lawfully doing it? The second person also said that the " practice '' is lawful and that they have to do it, and I plainly told her that isn't so. I finally ended up speaking to the manager where he informed me that it is Discover 's policy to apply the minimum payment to the lowest interest balance, and when I told him that the credit card act was made to protect the consumers and that Discover 's policy is a blatant disregard for that well meant " protection. '' The manager then proceeded to trying to convince me that how such policy can in " certain situations '' can help the consumers. In other words, he was justifying Discover 's policy? He even tried to convince me that me reporting them was not necessary because what they are doing is right. Because a small percentage of consumers " might '' benefit through that policy, it is justified? I don't think so. He did say that he would let the HQ know about my complaint, as I blatantly told him that I would report Discover about it's unfair utilization of the payment and he provided the contact info to CFPB.
06/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 10014
Web
About XX/XX/XXXX i visited a transmission repair shop ( " XXXX XXXX '', XXXX, AL ) ONLY for the purpose to have a NEW DETENT CABLE installed into the transmission. Owner had to research to find a new one or would rebuild the detent cable. After a week, it was determined the detent cable would have to be rebuilt because a new one could not be located. I had to go out of town for at least a month. The shop owner stated he would need time to rebuild the detent cable and told me I could leave my vehicle at his facility and there would be no storage charge- and the vehicle would be stored indoors. I agreed. I was informed a detent cable, new or rebuilt would cost me {$120.00}. XXXX, XXXX, I returned to XXXX and visited the transmission shop and was handed a bill for {$1900.00}. The charge was for rebuilding my vehicles transmission. My transmission DID NOT need to be rebuilt. I contested this charge and i never signed a document to have this work done, however, I did sign a document to have the detent cable repaired/rebuilt. This same document had been filled in with additional information ( e.g. " ... rebuild transmission. ) after I signed only for detent cable work. This was corrupt and deceptive and angered me. The shop owner refused to release my vehicle unless the charge was paid. Having no other choice at the time, I utilized my DISCOVER credit card to pay and my car was released. I reported this outrage to Discover card and the matter was placed into DISPUTE. As it turned out, the transmission was not properly repaired ( even though repair was never requested ) as it would not properly change gears, leaked and was sluggish. Outraged, I returned to the shop, expressed my dissatisfaction and outrage. The shop owner ordered me to leave the shop. I did. Because of the damage done to my transmission, I have been obligated to get it repaired because of the damage done and failure by XXXX XXXX ; the transmission was left in such poor operating condition that I could have been killed as described to me by the car dealer ; the transmission was not operating properly and could have caused me to have a serious accident due to various malfunctions that were imposed by a transmission that was made bad by non-professional workmanship. After Discover cards alleged investigation, Discover card validated the XXXX XXXX charge, stating the charge was valid because my signature was on the work order that listed the transmission repair. I explained to Discover card that the shop owner was deceptive and had filled in the " transmission repair/rebuild '' after I signed only for a detent cable. DIscover card was uncooperative with me and validated the charge from XXXX XXXX. Outraged again, I refused to pay Discover card. Discover card sued me for the charge in Civil Court. I opposed Discover card in Court and was willing to fight " tooth and nail ''. Discover card later dropped the suit. However, Discover card reported me as delinquent to credit agencies and my credit scores dropped from the XXXX 's to upper XXXX 's and XXXX 's. I am respectfully requesting that the matter of my credit profile be adjusted back to where it was in excellence. Discover card was cheated, indirectly, by XXXX XXXX, not this cardholder. I was always an on-time payer with Discover card, never missed a payment and was never late. In my opinion, Discover card is punishing the wrong individual because it may have seen me as an easier target just as identity thieves see some individuals, of which I've been the victim in that arena and work diligently to fix the problem that has visited me to a detriment. Best regards, XXXX XXXX
11/05/2017 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem making or receiving payments
  • GA
  • 30004
Web
I have several issues to report against Discover Bank : 1. I had inquired earlier whether Overdraft protection can be set up between the Savings and the MM account. I was told that there would be a fee to set that up. So, every time, I do Bill Pay, I have to manually transfer funds into the MM account. Later on, I was told that there is no fee. Their system is so archaic that it does not even allow scheduling the transfers between Discover 's own bank accounts. The only option is Transfer Now. 2. One of the IRA CDs at Discover had matured, and I had taken a distribution of the funds to my Discover Savings account. I had tried to set up a Bank to Bank transfer, but there was some problem with the account number, and it had failed. So, I set up 2 Bill Payments to XXXX XXXX to rollover the IRA funds. The checks were supposed to be delivered on XXXX XXXX and XXXX XXXX. Their bill pay system is extremely clunky. When I selected XXXXXXXX XXXX as a payee, it did not recognize the account numbers that I entered. So, I had to set up the Payee manually with the address and then I could enter the account numbers. Their system does not allow external transfers to an IRA MM account either, so I had to do Bill Pay. 3. On XXXX XXXX and XXXX XXXX, their system indicated that the checks had been delivered. When I did not see the funds balance change after a week, I called Discover on XXXX XXXX. As usual, no one had a clue what had happened and why the funds had not been transferred. 4. Their web support team kept me on the phone for more than an hour, putting me on hold for finding every little detail. Their bill payment is done by a 3rd party company, and the team could not do anything rather than open a case. They verified that the account number and address were correct, so there was no reason for the funds to have not been received. At the end of the conversation, we came away with the following : a. He would open a case to check why the funds had not been credited through their 3rd party system. b. He would put a hold/cancel on those checks, so that they could not be withdrawn. c. He would send me a check directly from Discover, for the IRA amount. At the end of all this delay and frustration, I saw that next day one of the bill pay checks has already appeared on my XXXXXXXX XXXX account. I thought those checks were canceled. Since one of the checks had been received by XXXX, it was recorded as an IRA rollover. So, now half of the IRA was sitting in XXXX as a rollover, and the remaining balance was sitting at Discover. They should have sent no checks or none at all, as discussed and agreed upon. So, I wrote to Discover and also had multiple conversations over the next few days. Discover kept delaying and held off on giving me a firm response. Because of the uncertainty, I had to hold off on opening an IRA CD at XXXX and lost interest. I spoke to someone called XXXX from Discover IRA on XXXX XXXX, and he said that he would get back to me after reviewing the phone recordings and messages, with their response by XXXX XXXX. When I did not hear from him, I again called Discover and realized that no one had even reviewed my case. I spoke to XXXX from IRA, and he very rudely informed me that there was nothing Discover could do. He also said that there was no 2nd check that Discover had canceled. He clearly had no clue of the case because the system keeps transactional records of everything, and I have proof that there was a 2nd check. So, after all this delay, I have lost interest on an IRA CD for weeks and now have 2 rollovers within 365 days, because of the severe incompetency of Discover Bank.
10/15/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • TN
  • 381XX
Web
XX/XX/XXXX -Received an email from Discover with subject line " One of your recurring charges seems different ''. Upon reading the email I saw that the charge was for " DISCOVERPAYMENTPROTECTION '' which I don't recall ever signing up for. -I first attempted to discuss this issue with a representative via the chat, but after the initial representative stated that they were sending my case to another representative who could better assist I never received another response. -I then called to attempt speaking with someone. The first representative I spoke with verbalized over the phone that she sees where I agreed to enroll in the payment protection plan in XX/XX/XXXX. I asked for documentation/confirmation of this enrollment to be sent to me because I don't recall having that agreeing to this program over a decade ago. I also asked that the payment protection plan be cancelled immediately. She says that she cancelled the plan and then shared that she was transferring me to the " supervisor '' who could help me get the documentation/confirmation of enrollment that I was asking for. After being placed on hold multiple times, the final representative I spoke with shared that she couldn't see anything in her system more than 7 years ago so she couldn't provide this documentation. Though the representatives have both stated that they can see where I supposedly agreed to this enrollment 13 years ago. She then states that another " supervisor '' would call me back in 24-48 hours to assist as they can look back further in the system. Though I didn't believe at all that someone would call me back I said okay and we ended the call. -A few minutes later, I realized I didn't receive any confirmation that this payment protection plan was actually cancelled besides the representative saying she did so on the phone. I call back to request an email confirmation or some sort of proof that the payment protection plan enrollment was canceled. The representative stated that I should've received an email confirmation shortly after it was cancelled and that she can see in the system where the confirmation email was sent. I shared that I hadn't received any email in my inbox nor my junk/spam box. She repeatedly asked if my email was correct in my account and I said yes, stating that I had just made a payment and received the confirmation email for the payment as I normally do. She placed on hold multiple times stating that she was trying to figure out how to resend the confirmation email. She ultimately could not figure out how to simply resend a confirmation email and stated it would take up to 72 hours before I would receive it as she will need some assistance. As ridiculous as that sounded, I was more convinced that this company was trying to play games with me so I became very upset and asked to cancel my account with them. After trying to make me reconsider, she finally transferred me to someone who could cancel the account. The next representative closed my account, but not before trying to convince me to remain an account holder despite all of the complete XXXX they are currently putting me through. XXXXThey denied me the refund because I supposedly voluntarily enrolled in this payment protection plan, of which they can't provide any documention/confirmation of my signed agreement to be billed every month for this plan. Though somehow they can " see '' in their system where I agreed to enrollment. The cherry on top is them lying about sending an email confirmation regarding my cancellation of said payment protection plan. Discover should truly be ashamed of themselves. I want those charges refunded.
08/18/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TN
  • 37067
Web
I am submitting this complaint to let you know about a merchants transaction processing. I have a billing dispute with this merchant for 22 transactions and was informed the transactions are valid. One of the case numbers is XXXX ( each transaction has a different case number ). The merchants response to the chargebacks did not address the allegation I made in my dispute, but Discover still decided against me. The merchant, XXXX, operates prediction markets at XXXX The transactions are for deposits in an online trading account. On my credit card statement, these transactions post as purchases and not cash advances. Shouldnt transactions like this be considered cash advances? I have seen other online ( non ATM ) transactions processed as cash advances. Any time money is loaded to an online account, it is usually treated as a cash advance. If these transactions posted as cash advances and due to the lower cash advance limit ( that is a portion of the full credit line ), it would not have been possible for me to deposit as much as I did on this site. I have lost over {$83000.00} on this site through deposits on seven credit cards, with over {$16000.00} on Discover card. During the month of XX/XX/XXXX alone, I have made over {$44000.00} in deposits. During the month of XXXX, I have made about {$27000.00} in deposits. This site takes unlimited amounts of deposits, only accepts deposits by credit card, and does not offer other options to fund their accounts, such as electric bank transfers. Most online trading sites do not accept credit card deposits or have low limits in how much one person can deposit by credit card. The only way to fund most online trading accounts are by ACH bank transfers or wire transfers. My main reason for my dispute is not about losing money, but about the amounts of funds they allowed me to deposit. While I should not have deposited these amounts, XXXX should not have accepted unlimited deposits and/or Discover should not have approved all of the transactions. I noticed recently the merchant violated their own terms of service by accepting too much money. These terms are available at XXXX that state, a limit on investment by any single participant in any particular contract [ of ] {$850.00} and You must not deposit more than the permitted amount with the Clearing House. The permitted amounts for any Market are set forth on the Website. Where you deposit ( or attempt to deposit ) more than this amount, the Clearing House will be entitled to reject or return your funds. They took deposits that far exceeded this {$850.00} limit per market on multiple credit cards. I discovered that there were several markets that I lost a lot more than {$850.00} and I counted 19 of these as follows ( all amounts identified are loses ) : XXXX XXXX {$7900.00}, XXXX XXXX {$2200.00}, XXXX XXXX {$1100.00}, XXXX XXXX {$4800.00}, XXXX XXXX {$2500.00}, XXXX XXXX {$1800.00}, XXXX XXXX {$4900.00}, XXXX XXXX {$3300.00}, XXXX VA {$1800.00}, XXXX XXXX {$1400.00}, XXXX XXXX {$1300.00}, XXXX {$2100.00}, XXXX XXXX {$3000.00}, XXXX {$1400.00}, XXXX XXXX XXXX {$4900.00}, XXXX XXXX {$2500.00}, XXXX XXXX {$1000.00}, XXXX {$2000.00}, and XXXX XXXX {$1000.00}. These add up to over {$50000.00} and more than {$35000.00} over the {$850.00} limit. Do you think it is reasonable for a web site to take over {$70000.00} in deposits on credit cards from the same user from XX/XX/XXXX ( when I opened my account ) to the end of the year? And this is not even counting deposits made in XX/XX/XXXXand XXXX. I got over my head, accumulated about {$50000.00} of credit card debt, and lost my life savings on this site.
05/09/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • VA
  • 23237
Web Servicemember
Problems will never be resolved in a single call with Discover Student Loans. I was given incorrect information regarding deferment/forbearance early on in my loan that caused me to lose several months of my grace period following completion of my undergraduate degree. Upon beginning the repayment period, I called on or around XX/XX/XXXX and was told by the representative that the loan servicing provider was in the process of being changed from XXXX XXXX to Discover. I was instructed to call back after XX/XX/XXXX, as nothing could be done with my account until that time. On XX/XX/XXXX, I called and spoke to XXXX. XXXX stated that the switch had not been completed, and to call back later. Approximately one week later, on XX/XX/XXXX, I called and spoke to XXXX. XXXX suggested that I apply for the repayment assistance program, in addition to advising me that I was eligible to receive a 0.25 % reduction in interest with the election of automatic monthly payments, and that I was eligible to receive my graduation bonus of {$1700.00} to be processed that day and released to my checking account in approximately 4-6 weeks. On XX/XX/XXXX, I submitted the first set of payment relief documentation. On XX/XX/XXXX, I received notification that my payment relief documentation had not been received ; therefore, that same day, I submitted a second set of payment relief documents. On XX/XX/XXXX, I called and spoke to an unknown representative. This representative stated that the repayment assistance program documents were received ; however, there was a glitch in the system that prohibited the documents from being viewed at this time due to migration errors when switching from XXXX XXXX to Discover. I was instructed to call back at a later date and disregard all notifications received via mail and email regarding the delinquency. During this time, each of my cosigners received a mail notification that the account was delinquent and that it may be adversely reported to the credit bureaus. I called back on XX/XX/XXXX as the online status still states delinquent. The representative stated that the online error in Discover 's system persisted, and to again disregard. I was informed that I was approved for the repayment assistance program and that my new monthly fee for the next 12 months was approximately {$65.00}. On XX/XX/XXXX, I made a payment in the amount of {$70.00}. As of today, XX/XX/XXXX, my account is still showing 53 days delinquent ( Discover reports to credit agencies after 60 days of delinquency ), despite being approved for the repayment assistance program and paying the minimum amount on time. I called and spoke to XXXX, who was not able to connect me with a supervisor. However, she spoke with XXXX ( who is allegedly in charge of the repayment assistance program ) and was informed that I have not yet been approved for this program, and to continue making my minimum monthly payment of approximately {$1000.00}. However, XXXX approved administrative forbearance to be completed by XXXX XX/XX/XXXX ( unknown length of duration ). Because of this " glitch '' that is occurring with the Discover Student Loans system, I am incurring late fees, my credit report is being adversely impacted, my co-signers credit reports are being negatively affected, and my payments are not being disbursed evenly over all loans ( payment amounts are being credited to interest only on two of the five loans, as the payment amount is incorrectly seen by the system as not being enough to cover the minimum monthly payment ; therefore, the payment is applied incorrectly to only a portion of the loans ' interest ).
11/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • XXXXX
Web
Discover Fin Svcs LLC had submitted to the major three national CRAs XXXX XXXX and XXXX and likely to others such as XXXX and XXXX and wish to discover to what exttent and have removed the information provided. The information provided originally was a hard inquiry that was on all 3 majors and an opened account that I did not open or have any access to nor any notice of from Discover prior to my own investigation on my credit reports. As reported on my experian credit report this moment, the hard inquiry is removed. It however has not removed the credit card account and information associated with it and lists its account status as closed versus the original Discover investigation that I contacted them about the moment I received a noification of a change to the report and ended up with a Manager after going through the explanation of not placing the order and there would not be a way to prove i did because it was not me. They were able to acknowledge the following : The supervisor for Discover who handles ID theft or it incorrect information in valid form confirmed they were able to without no doubt confirm and verify that it was not an account made with my authorization or by my person. They did not invoke a further investigation procedure that would have resulted in time limits and regulations to resolve incorrect reported negative and permanently damaged information to my creditors or those that have only lawful access to my credit. The inquiries were removed from all bureus that I can access however I can confirm at this hour and date I have pulled a report showing account on experian discover financial services revolving account XXXX with my credentials on my credit report. It shows opened XX/XX/2021 It shows it as acccount status closed. It somehow is further troubled to report incorrect infromation that says payment status paid satisfactorily when there was never any access to the account nor payment. It highlights that payment is made for XXXX year 2021. There is more problems to report such as the fact that this has not been removed. This was recorded by both parties and a call pull as well as the fact that a dispute iwth the CRAs resulted in what I believe is removal of all hard inquiries of this account. In addition, I can not confirm as I do not have the latest report, but I believe the card was removed from the other two CRAs other than XXXX. This however needs to be confirmed as further disputes to experian and discover were already done more than a few times and infromation has been confirmed for them to remove information but not the correct infromation which is everything that shouldnt be here mainly an account I never had. I had been promised by Discover on calls to the proper channels it would be resolved and I demand an instant removal of all related items to this above matter. My due dilligence has been more than required by any law and there is a legal right that this needs to be resolved and that I also have besides the criminal justice system to further escalate if a lawyer demands the amoujnt of money damages as there is a direct link to a significant impact to my report. In addition CRA hasn't followed the FCRA rules that grant me my rights in regards to the correct reporting and civil suits are not out of question is what my attourney for this matter representing from Legal services of New Jersey and believes without leaving the state the judge will justify an immeasurable suffering fine in addition to the wrongful reporting. In the end the result desired is removal of the account mentioned from all CRAs and not limited to the 3 major cras if used
01/05/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • PA
  • 191XX
Web
I have private student loans owned by Discover that are serviced by XXXX XXXX. There are two separate, but I think related, serious issues with my Discover Loans : 1. Statements do not make any sense : All of the loans are set up for auto-pay. I received a call on XX/XX/XXXX, just as I am about to board a flight. I was told that for the past several months, I have been paying late, and that I owe over {$200.00}, and would I like to make a payment. I explained to them that was impossible, as the loans are set up for auto-pay. They then tell me I have been paying less for several months then what was owed. They say that my payment went up suddenly a few months ago. I go back to look at the statements, signing into my account, which I had not done in ages, as the payments are all set up to occur on their own / my secretary manages payments for me. The statements make no sense, they state I overpaid for several months, XX/XX/XXXX, XX/XX/XXXX, and several others. Despite these " over-payments, '' they claim I still owed money and had not paid my full amount, which makes no sense. I asked to speak with a supervisor, and I was transferred. I spoke with XXXX at Discover, ID XXXX. XXXX was fantastic. He immediately pulled up my statements and said he too could not make heads or tails about what happened. He said none of the payment info made sense, there was no indication as to why my payment went up by nearly {$200.00} nearly 6 months ago. XXXX was awesome, he did a weeks worth of research and called me back ( we scheduled a date and time, and he called me exactly on time, it was so professional ). XXXX explained that from Discovers end, they could not figure out what was going on with the statements, and that they made no sense. He said I would have to call XXXX XXXX. I let XXXX know that in between our calls, I had already called XXXX XXXX, and they said they were unsure and that it was a matter to take up with Discover, as they own the loan, and XXXX XXXX is just the servicer. XXXX was upset by this and committed to looking into the matter. 2. Error and items missing from the original master promissory notes : when I started looking closer at my loans, I realized some of the interest rates had margins much higher than I ever remembered signing. I raised this issue to Discover, and they told me the margin can be found in my master promissory note. I downloaded my MPNs and read them cover to cover. The promissory notes state : The interest rate during the Deferred Phase and the Repayment Phase is calculated as the Prime Index plus the " Margin '' percentage identified on my Disclosure Statement ( which is incorporated into this Note ), yet, no disclosure statement is incorporated into the promissory note. At no place in the note does it list what the margin is on each of the 3 loans. I Raised this issue to XXXX, and after researching it, he confirmed that the notes I signed do not list the margin and do not have a disclosure document incorporated into the note as the note states. He said from his end, there is nothing that could be done about this, and said I would likely need a lawyer if I wanted to proceed. I explained to XXXX that this is very concerning, as there is no proof that the interest rates they are charging me are what I agreed to nearly 10 years ago - since the legal binding document has clear and obvious errors. Aside from the SERIOUS issues regarding the errors in the promissory notes, which are what determine the very foundation of these loans, the fact that Discover states theyve researched my statements extensively and cant understand them is even more troubling.
01/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • OR
  • 97478
Web
My following statements have been previously stated during phone conversations between myself and Discover employees, and beginning with my very first phone contact to Discover declaring identity theft / fraud in XXXX of XXXX. I feel it necessary to put above said statements in writing due to the fact that my words spoken to Discover employees over the phone, have gotten twisted and distorted, and or misunderstood by Discover employees ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... XXXX, XXXX XXXX XXXX the following statements as truth! When i called Discover in XXXX of XXXX, i absolutely DID report this account as Identity Theft / fraud, and that i did NOT apply for, nor authorize and knew nothing about the account whatsoever. And that i had very recently discovered the account and under my identity. During that very first phone conversation, Discover transferred the phone call to about four different employees or departments, and it was Discover employees that got confused and wrote the complaint as a LOST or STOLEN credit card, instead of how i reported it as IDENTITY THEFT /FRAUD. After a few weeks i received a new credit card in the mail from Discover and i then called Discover AGAIN and told them that i do NOT want a credit card and refuse to own a credit card, and that i had reported the account as fraud ID theft and to remove it from my identity. The female Discover employee yelled at me stating that i should have reported it correctly and was very upset towards me about the whole thing. I then stated to her that the account is a result of ID theft. And this is the reason why there are three different account numbers and a very confusing paper trail considering the paper documents from Discover that i submitted as evidence in CFPB Complaint XXXX on XX/XX/XXXX .... ... ... .Statement # 2. Discover states that i told them i had discovered the account in XXXX and did nothing to stop it because it was my wife who opened it ... ... .... ... Discovers above statement is NOT true. During a phone conversation to Discover, i stated that around XXXX, i had noticed a Discover card in my wifes possession with HER name on it and had no reason to suspect fraud and therefore reported nothing. Much later discovered, my wife ( ex wife since XXXX ), had her own personal Discover card account. She also had a card in her name under this fraudulent account using my ID. ... ... ... .Statement # 3, yes i did tell Discover that i had used a card for XXXX to potentially prevent further damages from fraud, and that i couldnt remember which card i had used and that if XXXX had been charged on this fraudulent account then i would be happy to pay for the amount charged to purchase XXXX ONLY... I just recently found the paperwork that shows that XXXX was NOT charged to the fraud account! And therefore i did NOT EVER use the fraudulent Discover card account! ... ..Statement # 4, the fraudulent account was opened using an email address that is NOT nor ever has been my email address. Discover is the one that removed that email during the very first phone call i made to Discover. ..., I had never been a victim of ID theft and was discovering many negative things during that time period, and it was all very confusing to me and i really had no idea of a correct procedure to report fraud, but i did the best i could as soon as i verified it to be true to my belief ... ... .It is Discover who is at most fault for not doing a better job at verifying exactly who they are giving money to! Discover is still currently breaking the law FCRA 609 ( e ), and in addition to their abuse towards me!
07/14/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 19119
Web
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCAL IS NOTICE TO AGENT XXXX XXXX you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1. PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS ( INTERNAL REVENUE SERVICES ) Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says you XXXX BANK are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS 2021 publication. SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt. My Address is listed below! XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX A1 15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1. PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS!
09/06/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 611XX
Web
This is my second complaint because Discover card has continued to initiate a charge back that I did not authorize or know about and that the company assured me in writing and by telephone was not going to be initiated and was supposedly rectified/cancelled and was Discover cards ' " inadvertent error '' ( their words in writing to me and your office of XX/XX/2018 by XXXX XXXX, Senior Associate, Discover 's Executive Office of Customer Advocacy ). See previous complaint CFPB # XXXX. Despite the above-referenced letter of XX/XX/2018 from Discover card, the company pushed through a charge back of my airline tickets charge five days before the date of this letter. As a result, my tickets ( that had {$200.00} vouchers that are now expired and can not be used XXXX were cancelled. The airline states in an email when I questioned them today " Hello XXXX, I would be happy to assist you with your request, but our records currently reflect that you filed a dispute with your credit card company on XX/XX/XXXX. Once a dispute is filed we are unable to further assist your claim. To obtain information regarding your dispute, please contact your financial institution directly. '' The right hand of Discover doesn't know what the left hand is doing at this company. I responded to the above-referenced " Senior Associate '' by telephone three times after receiving his letter and he never answered and didn't return my call despite leaving multiple voicemails. I called him prior to learning that Discover card indeed finalized a charge back of my airline tickets ( again, without my knowledge or consent ). I only learned about this charge back when I received my Discover card bill on XX/XX/2018 and called the company to see why a charge was posted to my account, that the company previously provided courtesy credit for due to their mistake in initiating a charge back. After two days on the phone ( to no avail ) with Discover card and enduring delays and low-level employees who promised an immediate call back from a supervisor that never happened - and after emails and phone calls back and forth to the airline - I learned that MY AIRLINE TICKETS WERE CANCELLED because of Discover cards ' charge back that never should have happened in the first place and which the company assured me would not occur because it was a mistake. This has caused us great distress, lots of time, and has put a long-planned vacation at risk. I have been on the phone with Discover card and the airline all summer since XX/XX/XXXX when the airline tickets were purchased online. What right does Discover card have to summarily decide to put my charge in dispute without my consent or knowledge and despite the company 's assurances that their " inadvertent error '' would not continue to a full charge back? I have all the emails and documents to support this and Discover card has all the recorded calls and voluminous notes on those calls to support my contention that they acted improperly and recklessly and on my behalf without authorization or knowledge. I understand now why this company has so many complaints on your website and throughout the Internet. The customer service and quality control of Discover card has greatly deteriorated recently and as a result, they are losing two long-time customers with great credit scores. Further, I have already begun to tell everyone I know not to use Discover card. AND TO ADD INSULT TO INJURY, WITH NO FINANCIAL TRANSACTIONS THAT MIGHT HAVE CAUSED THIS, DISCOVER 'S RECENT BILL SHOWS OVER A 30 POINT DECREASE IN MY EXCELLENT CREDIT SCORE. This can't be right either! This company is a joke!
10/04/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Payment process
  • DE
  • 198XX
Web
Good day. I am writing concerning an account I have with Discover. I have a Discover Home loan as a XXXX mortgage since XXXX along with a personal loan and credit card from XXXX. I have the ease & convenience of accessing both my credit card & personal loan via their app. The XXXX mortgage portion however, has been proven to be impossible to navigate due to the complexities implemented by Discover which has not & refuses to combine this account on the app as well. I have attempted countless times to access my home loan account online directly via discover.com only to be advised my credentials are invalid & I would receive a reset of my password via email ( never received ). I have even tried to start a new online account only to be rejected from that as well that my email password combo is also invalid ( see pics ). Calling into their offices puts you through automation XXXX, for a lack of a better terminology, & you never get through to anyone. I have been working XXXX hour shifts everyday since the beginning of summer at my own call center job so spending time on the phone is not an option thus why I have been frantically trying to get online to make payments & reset the auto draft I previously paused. In XX/XX/XXXX, I mailed in a check that was payable for triple the payment to cover my XXXX XXXX & XXXX payments. I was expecting to make the payments for those XXXX months to be covered which is why I paused the auto pay Id had set since the inception of the loan. Discover applied, without my consent, the extra amount to my principal balance despite being asked ( twice ) to pay it towards my monthly. I placed calls in both XXXX & XXXX speaking directly to representatives who promised the issue was resolved and I was safe. My next payment was to be the XX/XX/XXXX due date. Those same reps however could not assist me with the online issues Ive been having. Instead, Id get transferred to the online dept. in an endless hold upwards of XXXX minutes to either have to return to work or be disconnected. Theres apparently no direct contact number for their online department either as Ive looked diligently through many many pieces of paperwork. Recently I received notification from all XXXX major bureaus that Discover has reported me as 30 days late on my credit reports drastically decreasing my credit scores. I am now receiving late notices & large envelopes threatening to take over my home instead of helpful information to actually pay them on time as Ive always done & in a streamlined simplified manner. Its almost as if theyre more interested in foreclosing on me then allowing me to pay whilst damaging my good to excellent credit. I am requesting for the 30 day late to be removed from my credit reports. I am also requesting to have the ability to easily access my XXXX mortgage online and/or via app with the same ease and convenience as I have with my credit card & personal loan. My other accounts have never been late & are in good standing. This comes across as predatory lending & assasination of my excellent credit. The disallowance of not being able to get, receive a reset nor have anyone assist over the phone does seem deliberate & predatory. I have been a well established & good paying customer to Discover for all of my accounts with them. It strikes odd that the Discover Home loan is the only one that has the most to gain & is the most difficult to tend to. Discover is ruining me by destroying my good standing with other lenders & even freezing my credit card with them. I want everything to be restored & to go back to making my timely payments with ease & simplicity.
01/06/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • NJ
  • 078XX
Web
Per letter attached, Discover notified me that it reduced my credit limit from {$17000.00} to {$4000.00} as a result of : ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) Increase in XXXX Balances As Reported by Agency ( XXXX ) Bureau Reports Collection Item ( s ) in your credit file My first thought was, " Wow ... tax payer monies were used in recent crisis ' to support the financial institutions ( funds supported by tax dollars I pay ) and when I rely on a financial institution for access to funds for my security, " how easy it is for them to cut me off ''. Secondly, the reduction of {$13000.00} in credit limit, especially, when ( 1 ) I have never been late in paying them, ( 2 ) have just made a substantial payment in XX/XX/XXXX, ( 3 ) was only using approximately {$4000.00} if the {$17000.00} available credit, and ( 5 ) relied on the balance transfer promotions to monitor and secure my debt as a responsible financial citizen. Now, especially in this pandemic, I have a noose around my neck. A noose that Discover put their and is using to strangle me. And what really gets me disturbed is that NO ONE AT DISCOVER CARED TO LOOK AT ME BEFORE THIS ACTION WAS TAKEN .... I cared enopugh to make sure that Discover was paid - I lived up to my obligations- Discover offered me a line of credit - and now that some computer reports to them- XXXX XXXX XXXX XXXX Now, specifically, let 's look at my situation. ( 1 ) My income has not reduced - matter of fact- it has gone up, ( 2 ) increasing total balances- did Discover look at my credit report to determine what they were? How about financing for health related issues that appear on my credit report? Yes - I increased available credit so that I could regulate payments for medical services that I am undergoing and which will continue through XXXX - for which I was relying on the available credit that I had ( earned ) with Discover, ( 3 ) Additionally, yes, I have a number of new accounts opened that were secured by me- personally - because two of the business ' that I OWN - can not get financing on their own and need a personal guarantor- which of course- is me, ( 4 ) as for the increase in XXXX balances, some creditors report their term loans as a credit card instrument ... these are not bankcards. I have no new bankcards. All of theses are tied to the equipment that the business purchased for which my social security card was used for a credit rating and secured for a personal guarantee, and ( 5 ) as for XXXX XXXX XXXX XXXX ( s ) in your credit file, there are no new collection items in my report. The only collection item in my report ( in my financial history ) is the bankruptcy ( from XXXX - discharge date XX/XX/XXXX ) due to creditors coming after me due to the failure of a XXXX XXXX ( that I was member of - not the primary owner ) failed in business. I could go on and look forward to doing this with Discover. The point is that DISCOVER now has cut my throat with no concern to me as an individual ; yet alone an individual with a family of 4 - one 5 and one 6 year old, and one individual that created two new companies in XXXX ( despite the pandemic ) and is employing individual in this crisis. I was planning on using the available credit to maintain financial independence ( and recently asked Discover for the availability promotional offers to do this ). Then, I get this blanket letter attached to the message system in the Discover Card portal. Fantastic. How would Discover like it if their financers all of a sudden cut their throat? I am a good financial citizen and I have been wronged. Regards, XXXX XXXX XXXX XXXX.
12/23/2015 Yes
  • Credit card
  • Transaction issue
  • IL
  • 60164
Web
Early in XXXX I was researching suspension upgrades to my F350 pick-up truck. I went to the XXXX website and saw the complete kits to convert my truck to air spring suspension. I called the company and talked with the representative, XXXX, who said he could set me up with a bolt on kit. We conversed for a while trying to get details worked out about the bolt-on-kit contents and price. On XXXX XXXX, I ordered the kit with a number of upgrades. They charged my card on XXXX XXXX. On XXXX XXXX, the shipment arrived in damaged boxes. I took pictures of the boxes and opened them to determine if anything was missing. I could n't because there was n't a packing list with the shipment. I sent the pictures of the damaged boxes to the company and requested a packing list to determine if anything was missing. I still do n't have XXXX. I went on the website and looked at the product depictions there. I determined I was missing a number of items. I also had the wrong compressor in the shipment. The company XXXX : mailed me a shipping label which I used that night when I got home ( XXXX XXXX XXXX. I do not now have a compressor from the company. As near as I can ascertain, the shipment was missing a number of specialty bolts, some air hose, the protective housing for the air valves and controls, mounting hardware for the compressor, tank and dryer, and at least XXXX frame bracket for the suspension. In a later conversation, XXXX said they do n't supply the boxes anymore even though they are depicted on the website and in the installation documentation. On the phone, he suggested I try a truck stop to find the missing air line. On XXXX XXXX, I filed complaints with the Illinois XXXX, the Arizona XXXX, and Discover Card credit card. The company 's immediate response was they would do nothing until I reversed the complaint with Discover Card. They were true to their word. On XXXX XXXX I received a letter dated XXXX XXXX from Discover card. They said I had 10 days from the date on the letter to respond. They had determined that despite the evidence that the company was acting in bad faith and had in fact not supplied me with anything usable for my vehicle, they would return the complete amount to them. I asked for a supervisor, who told me the same thing. She was in Delaware. I called back and asked to speak with a supervisor again. This time she was in XXXX XXXX XXXX. She confirmed the same thing. In fact, she gave me an example. She said that if I ordered a couch, got it home and did n't like it, I 'd have to pay for the return costs. I explained that was not the case here. I was shipped a defective 'package ' that the seller wanted me to pay to return, both shipping and 20 % restocking fee. She reaffirmed that was correct. I gave her the example that I ordered a television set and what showed up was half of a toaster. She reaffirmed that I would still be liable for expenses because that 's what the purchase agreement was. I tried to explain that returning defective merchandise is not even close to " changing my mind about the color '', but she said they had rules and they would not consider anything else. Does a bad faith transaction bind me? I will be filing a complaint against Discover Card with the Illinois XXXX. I believe that both XXXX and Discover Card are both acting in bad faith to my detriment. As a side note. When I called the XXXX company, they never informed me that they are recording the conversation. In one of the e : mails, XXXX, the president attempts to intimidate me with the fact that they recorded my conversations. I believe this violates federal wiretap law.
04/01/2016 Yes
  • Credit card
  • Billing statement
  • MA
  • XXXXX
Web
We have a credit card with Discover. We make our minimum payments on time and as a way to pay down our balance sooner, we have been making extra payments. Typically these extra payments were being made on a weekly to bi-weekly basis. The amounts of these extra payments were anywhere from {$5.00} - {$50.00}. We made a payment of {$350.00} recently. That amount covered what I used to purchase things plus extra. Upon checking my account, I noticed that our balance had increased instead of decreasing, so I called. I was told that according to my user agreement, Discover confiscates extra payments and applies them to the minimum balance of the following month due to how 'our billing cycle ' is set up. I called again, got the same answer. I emailed them, and again, they insist that they are going to confiscate these extra payments unless they are paid before the XXXX of each month. Today ( XXXX XXXX ) I called the exec office of Discover. The first person I spoke with hung up on me and the second person gave me the same story about how we agreed to all of this and it has always been that way. Since I do not have a copy of the 2011 Discover user agreement, I ca n't honestly say whether it has 'always been this way ' or not. Basically what Discover is saying is that none of their card holders can be trusted to pay their bills even if Discover has not justifiable reason for treating their customers this way including us. I have read all of Discover 's disclosure pages posted here as well their website and even checked the Federal Reserve 's disclosure page. None of these pages explain this confiscation policy that Discover talks about. If this what users are agreeing to, why is this not posted on their website? People should know how ( or in this case IF ) their money is being applied to their balance. right? In order to make these extra payments work as intended, a customer has to XXXX of XXXX things. A ) Pay the extra within the window that it wo n't be confiscated or B ) Pay extra on their minimum payment. Option A pays down balance. Option B may or may not pay down a balance depending on how much is paid. The only way to decrease the balance with Option B would be to pay the minimum plus the interest, plus whatever the extra would be. Since Discover is so concerned with minimum payments being made, one would be lead to believe that they would appreciate any extra money that was sent their way. That seems not to be the case. Instead, if a card holder does not know about this confiscation policy, they make not progress paying off their balance if they make the minimum payment with no extra. Sounds like a good money making deal for Discover if I 've ever heard one. I have a copy of the Discover user agreement being sent to me. According to their website it will take XXXX30 days to get here. Not that it matters at this point as now I know what the game is. Pay extra in the 5 day window along with the regular minimum payment plus interest. I do n't expect anything to become of this complaint, but I do think Discover customers who do pay their bills and send extra payments should know what they are getting into. As mentioned previously, since Discover feels that strongly about this policy, it should be posted in all of their disclosure pages and on their page that explains how payments are applied which includes the extra ones. If they do n't want to post it there, it should be printed on billing statements as there is no mention of this policy there either. All it mentions is paying down higher interest rate balances first. No mention of confiscation of extra payments..
10/19/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NY
  • 11385
Web
On XX/XX/XXXX, a scammer contacted me at XXXX convincingly pretending to be Discover Bank XXXX whom I have both checking, savings, and credit card accounts with. They took my information and hacked into my savings and checking accounts, transferring the majority of my savings ( {$2800.00} ) into my checking account and then emptying my checking account as well. In the end, they took a total of {$4100.00}. I called Discover Bank at XXXX on XX/XX/XXXX and informed them of what happened. During the draining of both of my accounts, Discover made no attempts to flag the charges or freeze my account due to unusual activity. When I spoke to Discover ( multiple people in the checking and fraud departments ) they made no mention of filing a police report, took copious notes of the ordeal, and informed me that they were in the midst of filing disputes and getting my money back to me. During that day, I created all new accounts, set up a new verbal password with Discover, placed credit freezes on my social security number, and waited for news from Discover. My new checking and savings accounts were created on XX/XX/XXXX and the lost funds were transferred into my new checking account on XX/XX/XXXX. During all of this, no one from Discover ever mentioned these funds were temporary and to my knowledge the disputes had been approved and everything was finalized. However, on XX/XX/XXXX, without warning Discover removed all of the reimbursed funds from my checking account. They never contacted me letting me know this was happening, all I received from them was an email saying my account had been overdrawn, which made me panic and believe something fraudulent had happened again. I had to call the bank to see what was happening with my account and learn that they had removed the reimbursed funds from me. They then informed me that I now had to file a police report and try to re-dispute the claims, I might even have to contact the attorney general 's office for assistance. The claims were denied because apparently the merchant said the purchases were made in person using a card, which in no way reinforces the idea that these transactions were not fraudulent. However, I decided to not make a fuss and fill out a police report, if anything for my own peace of mind and records. When I got to the precinct, the officer who handles fraud reports informed me I would need a legally notarized affidavit from my bank saying fraudulent activity happened on my account, something which they never gave me. In fact, I had no written documentation that fraud had happened on my account save some letters stating my disputes were underway. I contacted my bank to ask for this documentation and they informed me that they had no idea what this paperwork was and to simply go to a different precinct and try again there, and if they asked for the same document I could then call the bank back. I asked to speak to a specialist with the bank, was put on hold for XXXX minutes, and finally informed that no one was available and they would have to call me back. For XXXX weeks now, I have been unable to use my checking account, had to transfer all of my paychecks and money transferring accounts to my savings so I can receive paychecks and pay my rent. Any money that goes into my checking account is unavailable and automatically goes towards the negative balance that I " owe ''XXXX XXXX of my accounts were completely drained on Discover Bank 's watch and they have done the bare minimum, if that, to reimburse me for the money that was stolen. I will be urging as many people as I can to bank with a different company.
11/30/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30349
Web
I am a natural person and federally protected consumer. I entered into a consumer credit transaction ( XXXX XXXX XXXX ( i ) ) with DISCOVER FINANCIAL SERVICES on XXXX of XXXX in which I opened an account, an extension of credit as defined by XXXX XXXX XXXX ( a ), that has been used for personal, family, and household purposes. It has come to my attention that my current account does not comply with federal law as I do so believe that pursuant to XXXX XXXX XXXX ( j ) my account should be an open end credit plan. It has also come to my attention that my account has billing errors and I am disputing all past, present and future amounts. Pursuant to XXXX XXXX XXXX ( a ) ( XXXX ), I am requesting documentary evidence ( XXXX XXXX XXXX ) for book of accounts as described in XXXX Publication XXXX. In order to verify such amounts, I need to see the bookkeeping audit trail from both the private and public side to verify the current accounting and taxes associated with this account. I am invoking my rights as a federally protected consumer to withhold all past, present and future amounts in dispute pursuant to XXXX XXXX XXXX ( d ) ( XXXX ). Because I am invoking my rights, DISCOVER FINANCIAL SERVICES can not make or threaten any adverse reporting to any person about the consumers credit standing without first resolving billing error pursuant to XXXX XXXX XXXX ( d ) ( XXXX ). Lastly, DISCOVER FINANCIAL SERVICES can not and shall not restrict, limit, close, cause any disruption of any manner nor accelerate payments of the account and DISCOVER FINANCIAL SERVICES has legally agreed to forfeit its rights to collect on all past, present, and future amounts in dispute under XXXX XXXX XXXX ( XXXX ) pursuant to XXXX XXXX XXXX ( d ) ( XXXX ). Pursuant to XXXX XXXX XXXX ( XXXX ), in an attempt to correct the billing error my credit balance is {$4700.00} which is a surplus of {$1.00} and the amount balance should be credited and the remaining balance must be directed to me, the consumer, payable by check monthly pursuant to XXXX XXXX XXXX ( a ) and XXXX XXXX XXXX. I believe that DISCOVER FINANCIAL SERVICES has knowingly, intentionally, with forethought and malice deceptively been sending dividends via the mail and misrepresented the dividend as an invoice for the consumer to pay. Because of such deception, I have electronically transferred funds using my personal debit card information to DISCOVER FINANCIAL SERVICES. This constitutes racketeering activity ( XXXX XXXX XXXX ) which would be embezzlement, theft by deception, extortion of credit and mail fraud. I am requiring that all past, present and future coupons be sent to my place of abode in form of a check payable to me. Lastly, DISCOVER FINANCIAL SERVICES has been sharing my nonpublic personal information with nonaffiliated third parties, consumer reporting agencies. I never received proper disclosures that were clear and conspicuous to OPT OUT pursuant to XXXX XXXX XXXX ( a ) ( XXXX ). Pursuant to XXXX XXXX XXXX ( a ), I failed to receive such disclosures nor was given a reasonable opportunity to OPT OUT, and now I am at risk for potential identity theft as my nonpublic personal information has been communicated without my consent to the consumer reporting agencies. In accordance with XXXX XXXX XXXX ( a ) ( XXXX ), I am giving my written instructions to report this account as paid in full and paid as agreed monthly. Pursuant to XXXX XXXX XXXX, it DISCOVER FINANCIAL SERVICESs responsibility to protect the security and confidentiality of my nonpublic personal information and I do not believe that was done on my behalf.
12/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • CA
  • 90042
Web
I have a credit card with Discover bank. In XXXX of 2021 my card was used accidentally and I did not know about these charges until they were posted to my credit report as a delinquent payment in XXXX of 2021. At that time I contacted Discover card services and asked how I could have the charges removed from my credit report, they told me to remove the charges the merchant would have to rescind the charge and issue a refund. I contacted the merchant and they did so. I then called Discover bank again who told me they couldn't remove the delinquent charge bit since it was a mistake I could dispute it as fraudulent with them and it would be removed which I did. I waited for the result of that dispute and was never contacted, after the suggested time had passed I called the bank again and was told the dispute had been denied. I spoke to a supervisor who told me the charges had been removed from my account and that I should dispute with the credit agency. I did this through the XXXX XXXX app. The app told me to wait for 30 days for results. I waited for 30 days and heard nothing so I contacted XXXX who told me that no dispute had been filed and disputes filed through XXXX XXXX are not legitimate disputes with the creditor. I then filed a dispute directly with XXXX. I called them for the results and was told that they couldn't tell me if it was in my favor however if I wanted to I could file another. I did so. This process repeated 5 times. I also filed 2 disputes with XXXX. The last conversation I had with XXXX the technician told me that their automated system told them that Discover reported the delinquency to be legitimate. I called Discover card supervisor line and spoke to a man named XXXX who assured me it was removed and suggested I give XXXX his phone number so he could speak to his deptartment directly. I called XXXX again who said they couldn't contact them directly but to ask for a letter stating that it had been removed to attach to the dispute. I called Discovers supervisor line on XXXX XXXX XXXX 2021 and spoke to XXXX. He informed me that the only thing that had been removed was the fee associated with the late payment but that the delinquency could not be removed. I then recieved an email at XXXX, 8 minutes after their office closed stating that my account was to be terminated for " inactivity '', " serious delinquency '' and " length of open credit accounts ''. I waited until today, XXXX XX/XX/XXXX to call the same supervisor number and was told that I could appeal the decision to not remove the delinquency and should recieve a decision on that appeal soon. I was also told that the only reason for my account being terminated was inactivity, I was told that the system reviews accounts at random and comes to a decision about whether to terminate the account without informing the company or the consumer. Once the system makes the decision to terminate it can not be reversed. I have had open credit accounts for the last 15 years. In that time I have never had a delinquent payment or derogatory mark posted to my credit report. The charge in question is for approximately {$20.00}. When this derogatory mark posted to my account my score dropped by XXXX points. It seems that no amount of recompense can stop Discover bank from affecting my score in this way, furthermore their decision to close my account suddenly and without warning or recourse will further damage my score by bringing down my average open credit account time length. The timing of which seems to coincide with my calls to the supervisory department and disputes filed with the credit agencies.
07/11/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MO
  • 64138
Web
Discover Customer Advocate XXXX wrote in response to my complaint on XX/XX/XXXX For your records I have sent the last 24 months of statements. We have confirmed we are reporting the account accurately to the credit bureau reporting agencies and we are unable to honor your request to remove or alter the credit history previously reported as it is a factual representation of what occurred. Due to your continued dispute, we will report the account to the credit bureau reporting agencies as disputed until you advise Discover to remove the dispute status. The credit bureau reporting agencies that we report to are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Thank you for allowing me the opportunity to be of service. Should you have any questions or concerns, please contact me at XXXX. I am typically available XXXX, XXXX XXXX p.m. ( ET ). Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Discover XXXX : CFPB Unable to honor request for factual information is a bunch of XXXX in respect to law this account was in good standing from XXXX until XXXX The Cares Act protected my payment history during that time frame it became delinquent In fact 15 U.S.C. Section 16 F states F ) Reporting information during XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period. ( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; Or I interjected this part to the law Sir A PHE lasts for 90 days and must be renewed to continue ; the XXXX for XXXX has been renewed several times, most recently in XX/XX/XXXX, and is currently scheduled to expire in XXXX XXXX. The XXXX XXXX has said that it will give states a 60 day notice ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. The law hasnt terminated.!!!!!!!!! ( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. ( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. The account was not charged off and on XX/XX/XXXX I made a payment of XXXX the account has been current since that time frame. Please sir look at the records Ive enjoyed my Discover relationship. I was recently awarded XXXX for telling my friend about your excellent customer service. Remove the 60 day late notation immediately! Thanks
04/07/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • CA
  • 94025
Web
I've had my Discover business credit card under XXXX XXXX XXXX for about 15 years and never missed a payment or was late making a payment. It's my oldest credit card that reports on my consumer credit report!!! A few months ago I called Discover business credit card customer service and asked them if I started a new company can I change my business name on my credit card and I was told yes ... so I gave them the name of the new company I start in XX/XX/2023 which is called XXXX XXXX XXXX the address and tax ID number. XXXX new cards were sent out to me with the new business name and I had been using my card as usual then on XXXX, 2023 I went to use my card and it was declined. I immediately called in to Discover business credit card customer service and reach a rep by the name XXXX. XXXX told me my card had been mistakenly closed but it would be reopened on XX/XX/2023 and they had made mistake. I called Discover business customer service on XX/XX/2023 and spoke to a XXXX name XXXX and she told me it look like it was closed in error due to some type of verification and a supervisor would call me back never received a call back. I call on XX/XX/2023 and spoke to a supervisor by name of XXXX in Ohio and she tells me it looks like your card suppose to be re opened on the XX/XX/2023 according to the notes but it also states the card is permanently closed but she will speak with her manager and call me back. She never calls back!!! I call back get a supervisor in Delaware name XXXX and she states it's a lot of notes on my account that she needs to review and she will call me back but she never calls me back. Then on XX/XX/2023 my card is not reopen I call in and speak with a supervisor in Utah by the XXXX and she tells me my account is under review to be reopened and she will call me back by XX/XX/2023 with a answer. Never received a call back and my account is still closed. On XX/XX/2023 I call in because my account is still closed with no explanation and reach XXXX a supervisor in Ohio who states he's documenting my account to send to his manager that my account should be reopened because I changed the name on my card that I have had for 15 years because a customer service rep told me I could when I could of kept the name XXXX XXXX XXXX. He recommended that my account be reopened in XXXX XXXX XXXX since the name change seems like it caused the problem even though XXXX XXXX XXXX XXXX could be verified on Wyoming XXXX of XXXX website. He told me he would forward that information to his XXXX and call me back the next day with news about the account being reopened. Never received a call back so I call in XX/XX/2023 and speak with XXXX a supervisor in XXXX and he states my account cant be reopened and could not give me a reason why!!! Discover should not close my business credit card that I have had for 15 years and reports to my consumer credit report as my oldest credit account with no late or missed payments because the closing of this card will cause me financial hardship due to the age history of this account wont be reflected on my consumer credit report anymore. Discover should understand that a person never closes its oldest credit card because that will damage their credit!!! I'm stressed out and confused that a company that I've been with for over 15 years can close my credit card for no reason and choose not to explain the reason why.!!! I truly need this card to be reopened because the closure of my card is going to damage my credit!!! The last four digits of my account is XXXX. Attached is XXXX XXXX XXXX XXXX paper work proving its a legitimate company.
06/20/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • WI
  • 535XX
Web
This is a complaint about Discover dispute process ( dispute number XXXX ) and how they determine disputes for charges that are not fulfilled. I used a credit cards to pay for the down payment for installation of a solar panel and battery back up system at my home. I did this mainly for the purpose that if there are issues with the merchant, credit cards provide a way to dispute charges. If things happen during the installation and I can not resolve these issues with the vendor this is another option based on the credit card agreement. In this case, XXXX XXXXXXXX XXXX collected the down payments from my credit cards, in this case both a Master Card and a Discover Card, for installation of solar panels and a battery back up. The Solar company XXXX XXXX XXXX never installed my solar system. The original transaction for Discover occurred XX/XX/XXXX in the amount of {$10000.00}. Originally the date of completion was set to end of year XXXXXXXX XXXX XXXX XXXXXXXX later stated that they could not get the work done before the ground froze in XXXX, so delayed the installation until the Spring of XXXX. In the spring of XXXX we began to hear rumors that the XXXX XXXXXXXX XXXX was not longer installing systems. We tried to contact them and they are no longer responding. At that time we reached out to our Credit Cards both Discover and my XXXX XXXXXXXX XXXX through their charge dispute system and provided documentation of charges and that nothing was ever installed. We could not dispute within the normal 90 days due to installation delays, but are well within the 2 year deadline that they allow for disputes and within 90 days of when delivery was expected. We provided the original invoices and additional communications from XXXX XXXXXXXX XXXX that explained why we did not dispute the charges until the Spring of XXXX, along with our attempts at contacting the merchant. I am not sure what additional information we could have provided, as we sent all of the information that was requested. My XXXX XXXX XXXX based on the overwhelming evidence that XXXX XXXXXXXX XXXX was not fulfilling their contracts refunded my charge as a fraudulent charge. Discover received similar documentation. Discover attempted to contact XXXX XXXXXXXX XXXX about the charges and of course since XXXX XXXX XXXX is either out of business or not responding to any attempts to be contacted did not respond. Discover responded to my claim that since they could not contact the merchant to obtain transaction records that they consider the charge to be valid. In their own words : " We've completed our investigation of this transaction. During our review, we considered all information and documentation we received from you and we attempted to obtain transaction records from the merchant. We regret that we are unable to validate the details of your claim. Accordingly, we consider the charge to be valid. The charge will remain on your account and the temporary credit we previously applied to your account will be reversed. '' Speaking with others in a similar situation it seems that most people are having the same experience with Discover. That while other Credit Card companies are finding these charges invalid based on the evidence that can reasonably be provided by the card member, Discover is not. Discover seems to be of the opinion that if someone buys something from you using a Discover card, and you as a merchant refuse to respond to Discover, they consider the charges to be valid. This seems to invalidate the card agreement and any real attempt by Discover to refund fraudulent charges.
04/11/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 754XX
Web
I purchased a XXXX XXXX on XXXX on XX/XX/2020, this is an electronic device that processes transactions for cryptocurrency and you are rewarded for your participation with cryptocurrency in your account. The day after the sale I messaged the seller because the XXXX ad said free shipping, but I was being charged shipping. The seller said he will cancel the transaction because the shipping charges were substantial, I agreed with this. I got a message from XXXX saying the seller canceled the transaction. After a week, I was still not seeing my payment refunded to my account so I called XXXX. The XXXX representative told me to try canceling the transaction my self because there was no option to request a dispute. I cancelled the transaction on my end and after another week, there was still no refund. The next XXXX representative told me to file a dispute with Discover, which I did on XX/XX/2020. I filed the dispute and uploaded a document for the dispute that I tried to cancel it but it could not cancel because the refund process failed, discover removed the charge from my account pending the decision of the investigation. Since the seller canceled the transaction, they never did send me the device that I paid for. After a month or so Discover put the charge back on my account and and sent me an email stating the investigation was found in favor of the seller, attached was a file that had the XXXX ad and a statement from the seller stating the problem was with XXXX and I should call XXXX. I called to complain on XX/XX/2020 and they took the charge back off until they performed another investigation. Once again after a month, they reapplied the charge to my account and sent the same email with the same attachment. Once again I called to complain on XX/XX/2020 so they removed the charge again and continued the investigation. After month Discover once again reapplied the charge to my account and sent the same email and attachment. This time when I called on XX/XX/2020, they stated that the investigation had gone to arbitration and the dispute was found in favor of the seller who cancelled the transaction and never sent me anything because the XXXX ad stated that " Due to the volatile nature of XXXX and the many scammers, there is no returns '', this statement by the seller made them believe the item was shipped to me and I was unhappy with it due to me not uploading more documentation ( which during their investigation I was never asked for more documentation ). I have called several time trying to resolve this, but they are completely unwilling to consider the new proof I have uploaded, the only they did was call the seller and 3-way me on the call to talk to him about where the money was, the Discover representative never said a word during this call. I have called XXXX XXXX many times about this also and was always told they could not tell me anything about this transaction since it was in dispute from Discover, except for the last time when the representative was able to tell me they released the funds to the seller on XX/XX/XXXX when Discover ended their arbitration in favor of the seller, the representative ended the call saying she will send this to their legal department since they released the funds to the seller without proof of shipping the product. Calls to XXXX have been fruitless as well, they show the transaction was cancelled and no refund was issued. I paid for a product that I never received, the transaction was canceled by the seller and Discover, XXXX, and XXXX are not willing to accept the fact that this was a fraudulent transaction.
09/06/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • CT
  • 06880
Web
In reference to previous CFPB complaint ID # : XXXX submitted XX/XX/2022 : Discover has violated my rights and failed to address these violations or lawfully remedy the issue to my satisfaction. On XX/XX/2022, Discover states in their response ( attached ) to this complaint that Your Cardmember Agreement authorizes that we may periodically review your credit and income records and that we may increase or decrease your credit line. A contract is an agreement between private parties creating mutual obligations enforceable by law. The basic elements required for the agreement to be a legally enforceable contract are : " mutual assent, expressed by a valid offer and acceptance ; adequate consideration ; capacity ; and legality. I did not knowingly agree to the terms of this alleged agreement as they were not clear and conspicuous ( lack of mutual assent ), adequate consideration was not provided, and I did not have the capacity to understand the alleged agreement. As a result, Discover did not truly possess actual, implied, or apparent authority for such use and I received no benefit in the reduction of my credit line. According to 15 USC 1602 ( p ), this is known as unauthorized use and is a violation of federal law by Discover. This is also a breach of fiduciary duty by Discover. Discover states in their reply that We are firmly committed to complying with the Equal Credit Opportunity Act as well as all other applicable State and Federal laws and regulations. As such, it is our practice to consistently treat all customers equitably. However, this is clearly not the case. Corporate policies and procedures do not supersede XXXX XXXX. The decision to lower my limit was based on the following information in a document dated XX/XX/2022 ( attached ) : reasons : Bureau reports unsecured loan balance Number of revolving accounts as reported by agency Bureau reports increase bankcard balances On the same day, a letter was mailed to you confirming this change. As explained in this letter, this decision was based in part on information we obtained from XXXX, XXXX, and XXXX. This action is a direct violation of 12 CFR 1002.4 ( a ), 12 CFR 1002.7 ( a ), and 12 CFR 1026.12 ( b ). Discover has directly admitted to discriminating against me on a prohibited basis, utilizing information from illicitly obtained consumer reports. This is also an egregious violation of the XXXX XXXX XXXX, 15 USC 6802 ( 1 ). As a nonaffiliated third party, Discover obtained consumer reports from several consumer reporting agency without express written consent, permission, or knowledge. My nonpublic personal information was disclosed by consumer reporting agencies ( XXXX, XXXX, and XXXX ) to a nonaffiliated third party ( Discover ) without clear and conspicuous disclosure. I was not given the opportunity to direct that my information not be disclosed in this. I was not given an explanation of how to exercise my nondisclosure option. In addition to discrimination on a prohibited basis, unauthorized use, and unlawful access to my consumer report, I still remain harmed financially and emotionally by Discover from previous violations of federal law noted in CFPB complaint ID # XXXX which include violations of 15 USC 1602 ( f ), 15 USC 1602 ( p ), 15 USC 1691 ( a ) ( 3 ). Multiple federal laws have been broken, my rights violated, and I have suffered financial damage, mental anguish, emotional distress. I was unable to provide for my family, make necessary household repairs/improvements, or invest in my business during the XXXX pandemic when I needed financial assistance the most.
09/26/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Indicated shouldn't respond to lawsuit
  • CA
  • 92691
Web Older American
What the Defendant as surmised of this case and the way it was mishandled is as follows : Plaintiff and Discover Bank acquired Defendants XXXX mailing address from credit card report, XXXX, without prior permission and tried to use it as evidence of Defendants residency. Defendant received a summons addressed to XXXX XXXX XXXX, XXXX to appear in this Court on XXXX XXXX, 2014. Defendant answers the summons on XXXX XXXX, 2014 that stated he resides in the State of XXXX, and would be unable to attend the hearing, due to employment obligations. Defendant receives another summons addressed to the XXXX address to appear in Court on XXXX XXXX, 2014 at the request of Plaintiff, without giving an option to Defendant 's circumstances. Plaintiff supplied numerous Discover Card Statements and a copy of the Contract prior to XXXX XXXX, 2014, to the Defendant and the Court for viewing as evidence. Defendant discovered that the documents had been altered to show the appearance that the Defendant had been receiving these statements in XXXX. Defendant has never received any Bank statement documents from Discover Bank at a XXXX address. Defendant has supplied the Court with factual evidence to proof his XXXX residency. To prove that the Plaintiff has filed in the wrong judicial jurisdiction, and case must be dismissed. Defendant on XXXX XXXX, 2014 notified the Court and the Plaintiff that the Defendant would not be able to appear on the XXXX XXXX date, due to his XXXX employment obligations. The filing returned address was my XXXX. Well the case was heard on XXXX XXXX, 2014, without the presence of the Defendant. The Plaintiff had prepared an Order Judgment document for the Judge to sign at the hearing, and through some persuasion his wishes were granted. Along knowing that he had won the case without having to argue against a Defendant objection. WHY WAS THIS CASE HEARD, without giving consideration to a Defendant rights to present some defense. When everyone knew the Defendant was not going to be present. What type of " Dog and Pony '' show was this hearing? Defendant has submitted several requests to have this Case Vacated, based on the facts ; that ALL the evidence brought to this Court by the Plaintiff and client Discover Card Bank is false. This was just a clever, disrespectful and unlawful attempt to try and show that the Defendant resides in XXXX XXXXThe Defendant after receiving the shocking notice of Summary Judgment several months later as it was sent to XXXX XXXX XXXX XXXX, XXXX and then forwarded to Defendants legal residency address in XXXX. Defendant filed a Dismissal request with the Court and the Plaintiff in XXXX 2014 with a return address receipt showing his XXXX address. IF the Defendant is to be held contractually obligated with the Discover Bank Card Contract and all its contents that the Plaintiff presented to the Court as evidence. If So ; then the whole contract has to be recognized, not just bits and pieces. The Plaintiff should be obligated to follow the Contract agreement under " Arbitration and Hearings '' and propose a means of arbitration and possible mutual settlement. At no time during these proceedings has Arbitration been presented to the Defendant by the Plaintiff or its client Discover Bank. Violation of Discover Bank 's contract with Defendant. Plaintiff should consider their decision for Dismissal as they did in Case XXXX, XXXX XXXX XXXX. XXXX, when it became perfectly clear that I was not a XXXX resident, and you were filing in the wrong jurisdiction. Defendant is returning to XXXX residence.
11/24/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • VA
  • 22152
Web
I had reported to Discover Card that I had received an emailed notification of a charge that was an error or fraudulent. This is for the next month 's service for a trash company we are no longer using, as of XX/XX/2018. EMAIL : Auto Pay Reminder from XXXX XXXX, XXXX. From : '' XXXX on behalf of XXXX XXXX , XXXX '' XXXX Date : Wed, XX/XX/2018 XXXX XXXX To : '' XXXX '' XXXX Priority : Normal Options : View Full Header | Print | Download this as a file Dear XXXX, Thank you for using Auto Pay! This payment to XXXX XXXX , XXXX has been made from your XXXX XXXX on XX/XX/18, transaction id : XXXX. Pay To Invoice # Invoice Amount Amount Paid Pay On XXXX XXXX, XXXX. XXXX {$25.00} {$25.00} XX/XX/18 Total : {$25.00} I reported this by phone to Discover, who found the charge in their database and said they would deal with it. I knew that I also should report the error via mail when I received the statement. However, then I received the following email from Discover, indicating that they ignore the Fair Credit Billing Act, and require documentation from customers to show they don't owe a charge. I read the Act carefully, and it appears to me that the MERCHANT has to prove the charge legitimate. The customer doesn't have to prove the charge illegitimate with documentation. How could a customer possibly do that? When I called Discover, the woman I talked to said that this email, which requires documentation from the customer, is a generic email sent to all Discover 's customers. I found it shocking that Discover is apparently violating federal law on such a large scale. I never said I would provide any documentation to them. When I brought that up by phone, the woman said that documentation is required of everyone disputing a charge. Since there is no way to prove a negative, apparently Discover is requiring its customers pay fraudulent charges. EMAIL FROM DISCOVER Additional Information Needed for Dispute Case From : '' Discover Card '' XXXX Date : Mon, XX/XX/2018 XXXX XXXX To : XXXX Priority : Normal Options : View Full Header | Print | Download this as a file | View as HTML We have started to work on the dispute investigation as you requested. As of XX/XX/2018, we have not received the documentation you indicated you would provide. Please submit your documentation supporting this dispute at your earliest convenience. Case Number : XXXX Merchant Name : XXXX Dispute Amount : {$25.00} Providing documentation helps us investigate this matter for you. You can fax this information to XXXX, mail it to XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, or upload it online at Discover.com. If you have recently provided this documentation, please disregard this request. If you have any questions, you can call our 100 % U.S-based service team any time at XXXX ( XXXX ). As always, thank you for choosing Discover. Sincerely, Discover Card Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Add XXXX to your address book to ensure delivery of these e-mails. See ways to help identify Discover e-mails by visiting our email security page. IMPORTANT INFORMATION This e-mail was sent to : XXXX for account number ending with XXXX. You are receiving this e-mail because you are a Discover Cardmember.Please do not reply to this email as we are not able to respond to messages sent to this address. DISCOVER and other trademarks, logos and service marks used in this e-mail are the trademarks of XXXX XXXX XXXX or their respective third-party owners. Discover XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX Discover Bank, Member FDIC XXXX XXXX
08/25/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 78628
Web
On XX/XX/XXXX. I used Discover Bank to send from my savings account {$10000.00} from my saving to a family member to buy a small land using a domestic wire transfer, according to Discover the money was going to be received by the beneficiary on XX/XX/XXXX. but the money was never received. I called Discovery asking for the money, they told me the money had been sent, so we reached to XXXX XXXX the Beneficiarys bank to check. XXXX XXXX said they had not received anything ; they didnt even have a tracking number or signal of it. I called Discover Bank again, and they told they had no idea where the money was. Escalating to supervisor manager they told me a bank they used to do the transfer in New York had the money and there was no way to communicate with them by phone, just through emails or internal communications, they asked me to wait 5 business days in order to get a resolution. 5 days later after not receiving a call back, I called again and they said they had not yet received an answer. They said they would send another communication and asked me to wait 3 to 5 more days ... after this time I called again and they said they didn't have a response, a manager promised to call me the next day to keep me updated, and she never did. In order to save time, I called many more times and they kept telling me the same thing ; 1 ) they didnt know where the money was, 2 ) second time they said the bank they use to do internal transfer had the money, 3 ) the Federal Reserve had the money and they couldnt do anything to help me because they were investigating. I asked for a phone number or a case number to contact the federal reserve in order to ask for my money and they told me there was no way to communicate with them, so they didnt provide me a number or a case number. I was transferred to a XXXX XXXX supervisor who was rude to me and insisted the FEDERAL RESERVE WAS HOLDING MY MONEY. I told him I needed to know when I was going to have my money back and he said he didnt know, I told him I hadnt received any communication requesting evidence or information from the government and he told me in a rude and intimidating way ; DO YOU KNOW WE ARE RECORDING EVERITHING YOU ARE SAYING I said I know, and Im fine with that. So its been a month now and they are still telling me the FEDERAL RESERVE HAS MY MONEY. Today I found the customer service phone number for the federal reserve and a representative from the federal reserve told me there is no way the Federal Reserve can hold money for individuals ( personal accounts ), that they only act like a route or way to transit. The FEDERAL RESERVE transferred me to Consumer Financial Protection Bureau ( CFPB ) a U.S. government agency to make a complaint against discover, and this is why Im writing this today. I am frustrated, mad, sick, tired and worried about this situation. It is a month now and still having no money, they make me lose the property land we would like to buy and now I need to pay my mortgage and I have to borrow money to pay. I asked the XXXX XXXX supervisor manager for credit to my account the {$10000.00} but he said NO BECAUSE WE DO NOT HAVE YOUR MONEY, THE BANK WE USE IN NEW YORK TO DO THE TRANSFER HAS IT. And I said, I did not do the business with the bank you us I am doing business with you, so as a bank you have to respond. I NEED MY MONEY BACK. YOU ARE VERY RICH YOU ARE A BANK YOU HAVE MILLIONS. I HAVE TO WORK SOMETIMES 2 JOBS IN ORDER TO LIVE AND PAY MY MORTGAGE, BILLS AND FEED MY FAMILY. FEDERAL RESERVE AGENT SUGESTED TO GET LEGAL HELP INVOLVE. BUT I DO NOT HAVE MONEY TO PAY THEM.
04/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 49417
Web
In XX/XX/XXXX, I checked my credit reports with the three major CRAs and noticed several accounts that I did not open. I immediately put a fraud alert on my reports, filed a police report, and filed a Federal Trade Commission Identity Theft Report. I sent this, along with all other required documentation to the CRAs and the fraudulent accounts were deleted under FCRA Section 605b. Additionally, the FCRA Notice to Furnishers of Information was sent to all affected creditors. Then, two months later I notice that Discover Financial Services account # XXXX was re-inserted back into my credit report in violation of FCRA section 605b and section 623 ( a ) ( 6 ). Additionally, Discover Financial Services is continuing to attempt to collect this debt, which in no way belongs to me, in bad faith. I have absolutely no contractual ( or other ) relationship with Discover Financial Services, and until I first learned of this account in XX/XX/XXXX, have had absolutely no contact with Discover Financial Services. Contact after XX/XX/XXXX has strictly been in regards to becoming absolved of this fraudulent debt, which I have no obligation to whatsoever, and getting the fraudulent account closed and removed. I have contacted Discover Financial Services several times, including CEO XXXX XXXX, and the executive office. Each time, I have either been totally ignored in this matter, or have been told the debt has been verified in a standard 30-day dispute ( despite the 605b, 623 ( a ) ( 6 ) and all supporting documentation ), without them providing any signatures, or proof whatsoever. I did receive one email from XXXX XXXX, Associate, Executive Office of Customer Advocacy, stating that : According to our records, an account was opened as an individual account on XX/XX/XXXX through an application submitted on XX/XX/XXXX. You provided your name, address, social security number, date of birth, and mothers maiden name and we verified the information based on the request to open the account. A credit card was issued on XX/XX/XXXX and sent to you at XXXX XXXX XXXX # XXXX XXXX XXXX, MI XXXX. The credit card was used as shown by charges on statements that we have sent to you separately. On XX/XX/XXXX, your account charged off due to non-payment, with a balance of {$1500.00}. Please contact XXXX XXXX, Legal Compliance Manager at ( XXXX ) XXXX to discuss repayment options. XXXX XXXX could not, or was unwilling to, provide any additional info, including a copy of any signatures used to open the fraudulent account. Furthermore, I did not even live at the address he stated the account was opened from, and card mailed to, at the time. I had moved out of that address on Saturday, XX/XX/XXXX as my lease expired on XX/XX/XXXX. On XX/XX/XXXX I moved across state to take care of my grandfather who was diagnosed with late stage XXXX XXXX. I would not end up moving back to XXXX Michigan until late XX/XX/XXXX. I replied to XXXX XXXX on XX/XX/XXXX stating that I was not a resident or had any affiliation with that address during the time period he stated, and was ignored. I am now filing this complaint because Discover Financial Services refuses to make me whole in this matter, and is willingly acting in bad faith, despite receiving all documentation required under the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act, including an FTC Identity Theft Affidavit, police report, identification, my personal statement along with copies of my credit report, and copies of FCRA section 605b and the FCRA Notice to Furnishers of Information.
12/21/2016 Yes
  • Credit card
  • Other fee
  • WI
  • 53220
Web
After receiving a declined charge on my card I looked into what the charge was and found that it was a payment for a payment protection program. I immediately called Discover 's Customer service and support and was told that I had been enrolled in the program since initially having opened the card account. I requested the audio recording of my verbal acceptance of the enrollment in the program and I was told that it was only noted on my account that I gave my verbal consent and that the audio was not available. This concerns me as I do not enroll in any programs that cost monthly charges due to the fact that they accrue significant charges over time and if I were to consent to such a program it would only be with the understanding that the program was not going to charge me anything. I was hoping to be able to hear the sales pitch and or the description of the program given to me at the time of program enrollment. As such, I am unable to hear the description of the service given to me at the time nor am I able to hear my verbal acceptance of said program. I was told that because the company sends out a newsletter detailing the programs and benefits I was enrolled in I should have known that I was enrolled in the program and also due to the fact it was being charged on my statement. The e-mail I received that alerted me to this charge was a notice of declined charge due to my current financial issues causing my balance to be near my current limit. This decline was listed as " PRTCTN/CRDTSFPLS '' and on the statements it was listed as " DISCOVERPAYMENTPROTECTION ''. This charge happens on the same date as interest and charges on cash advances and interest charges on purchases and would easily be mistaken for some kind of protection for an individual 's payment of standard billing charges. I have searched through the past few years of email notifications and have found the notifications of my enrollment in the program however none of them reference any fees associated with this benefit and it could easily be assumed that this was a regular feature of the card holders benefits. Although I understand that the company makes this " effort '' to inform the consumer regarding this service, I feel that I was misled into obtaining the service and charged over the course of nearly 5-7 years a total of as far, as I can tell, close to if not exceeding XXXX . With no audio recording of my acceptance, just a note on my account, as well as the fact that the information is proliferated solely through the " newsletter '' on my account information as an ambiguous payment protection charge that accompanies the interest charges on the same date. Beyond this, I have had any number of " qualifying events '' for which I could have, and would have, used this service had I desired this service in anyway. Discover has un-enrolled me from this program and offered me a 6-moth refund of charges, however, a small approximately {$250.00} refund I find to highly insufficient given that I have been enrolled without my knowledge since the opening of my account over 6 years ago with no proof of my consent beyond a note on my account. Given my total loss, I feel that should this not bring results further legal action may be completely justified as this seems like a rather deceptive practice and it have caused me significant financial loss. I have not included a total loss amount as I have been unable to retrieve statements beyond 5 years ago to see the totality of charges filed on my account. as or right now I estimate the loss at over {$2000.00}
02/17/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • OH
  • 43119
Web
In XX/XX/XXXX, I discovered that a company submitted charges to my Discover Card account. These charges were never authorized and I have no idea how the company actually obtained my Discover Card account number. I contacted Discover Card to dispute the transactions, explaining that while I had an annual membership with a local franchise that had suddenly closed in XX/XX/XXXX, I had never had an agreement with the company that charged my card on both a monthly and annual basis. Additionally, even with the local franchise, I had never used my Discover Card or provided the account number to the franchise in any way. Discover Card ruled that some of the charges were legitimate while others were considered not legitimate since the company failed to provide documentation for half of the disputed transactions. I re-contacted Discover Card and explained the situation again, providing additional documentation including the contract that I had signed with the local franchise indicating that the agreement was ONLY with the local franchise and including a section that had been crossed out. The crossed out section was the one covering month-to-month charges. This was crossed out because I paid my membership on an annual basis. Additionally, the contract listed a visa card number that i had used to pay for my membership fees. Discover Card explained that the dispute would be escalated internally and that I would hear back within 72 business hours. Unfortunately, I did not hear back for more than a week so I called Discover Card again. I had the exact same conversation with the agent, walking through the contract that I had provided to Discover Card, as well as the other documentation that I had provided. I was assured that the evidence should be sufficient to overturn the illegitimate charges. Within a few hours, I received an email from Discover Card stating that my dispute was unfounded and that Discover Card sided with the company. I then contacted Discover Card again and asked how they could have failed to recognize that the contract proved that I had no relationship with the company placing charges on my account. The agent with whom I spoke reviewed my account and explained that the email had erroneously been sent and that Discover Card had finally recognized that we had a valid dispute. As a result, four months after I first raised the issue with Discover Card, they finally provided a permanent credit for almost {$900.00}. While I have finally received the credit, I am disturbed that I had to fight for so long to get the appropriate level of consideration. The company that had placed charges to my account only provided a billing statement with my name on it. It did not have my Discover card number, a signature, or anything else to indicate that the charges had been approved by me. If I had not found the contract from XX/XX/XXXX, I would have been charged over a thousand dollars which I would not have been able to recover. There is clearly a problem with the dispute process when a company can just say that the charges are authorized and be allowed to keep the funds. It was my understanding that companies actually have to prove that they have the right to access your card and apply charges to it. The company in question didn't have a signature or contract allowing them to do this. In fact, they did not appear to even have the full credit card number. As a result, they could have easily pulled my credit report ( based on my SSN ), found the last four digits of my account number, and then charged me based on that information.
10/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34769
Web
I am a victim of identity theft I reported the event to law enforcement and to the credit bureaus I also contacted the companies to inform them of fraud and placed security freezes and fraud alerts on my credit file I also filed out a FTC IDENTITY THEFT REPORT I even provided them with exactly who committed the identity theft in my name and they claimed to do an investigation and formally declined the id theft claim I also received information from XXXX confirming identity theft from there identity theft protection program my information was sold during the XXXX XXXX breach and accounts were opened in my name before I was 18 years of age which were removed off my report and even with all of this proof the bank refused to remove inaccurate information from my credit report all of the other banks complied and information was removed however the following banks wont remove inaccurate information : Discover Bank Opened : XX/XX/XXXX Balance : XXXX Bank admitted on recorded phone call that account was fraud but fail to remove information they are fully aware that the account is fraud And are not in compliance with FCRA Regulations regarding time frame to provide feedback for identity theft related accounts XXXXXXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance : {$20.00} Lender wont respond to fraudulent account and continues to report. This letter is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software, such as e-Oscar, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : I am disputing this account because it is invalid under FCRA because it was opened fraudulently as a result of Identity Theft, My identity was stolen and used to open this account and many others already disputed and deleted from my credit report. If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my credit reports and to correct your records.
07/05/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AL
  • 354XX
Web
Discover made an unfair judgement towards my dispute ( # XXXX ) against XXXX, and they refuse to correct it and help me get my money back. I purchased a discounted XXXX XXXX gift card claimed to have {$1200.00} value at XXXX ( XXXX # XXXX ) and paid {$1000.00} for it with my discover credit card ending in XXXX on XX/XX/XXXX. The gift card was delivered electronically at the same day and XXXX promised a 100-Day Guarantee for gift cards bought from them on their website. Upon receiving the gift card ( Card number : XXXX PIN : XXXX ), I checked the balance at XXXX. Unfortunately, I could not get the balance but just saw a sentence Invalid account number or the account is closed. Then I called XXXX XXXX customer service to figure out this issue. The customer service representative in the gift card department told me through the phone that the gift card was already used on XX/XX/XXXX and the remaining balance was redeemed on XX/XX/XXXX, long before I got it ( The phone call was recorded and is the strongest proof supporting my dispute, however, Discover does not allow uploading voice file. The file is attached here, hope it can be forwarded to them ). Instead of initiating a dispute immediately after I knew the gift card history, I emailed the support team on XXXX and got no response in three weeks. Then I submitted a claim ( # XXXX ) on their website stating my issue and requested for a solution on XX/XX/XXXX based on their 100-Day Guarantee policy ( Receipt of the claim is attached ). In their response of receiving my claim, they said the problem should be resolved within up to 21 business days from XX/XX/XXXX. I called the number provided on the email three days after submitting the claim to inquire the investigation process but nobody answered the phone. I kept trying to contact them through phone call and email after that but never got any response. The phone calls were always transferred to voicemail and no one called back yet. And I did not get any email response for my claim with the fact that 21 business days have already passed. With the failure of counting on the merchant to solve my problem, I filed a dispute on discover.com for this transaction with some documentations including the transaction receipt, gift card details, gift card history, balance check at neimanmarcus.com et. al. to prove the transaction invalid. The dispute has gone through a few up and downs in the past five months. My dispute was supported at first and got reversed because the merchant uploaded the transactions details, even thought the transaction details just said they sold me the gift card without explaining the most important fact that the gift card was already used before they sent it to me. After receiving the decision, I called the dispute center requesting for a reconsideration with some supplements including gift card inquiry to XXXX XXXX rtfraud department and self statement for this dispute. Unfortunately, my dispute wasnt supported eventually after the reconsideration process. I could not believe this and called Discover to continue the dispute. After reviewing all the documentations the merchant and I provided, the representative admitted that they made a mistake when making the judgement. However, Discover refused to correct their decision and stated they couldn't do anything more for me only if I could get documentation with refund entitled from the merchant even thought I told them the merchant is avoiding my issue and the bank is my last protection. There is no reason I should pay for Discover 's unfair judgement.
10/07/2015 Yes
  • Credit card
  • Billing disputes
  • IL
  • 624XX
Web
I was either solicited via phone or contacted through online ad. I 'm not sure how I got in contact with the corporation originally, but the first thing they offered to do for me was to write a Business plan including the following : 1 ) A company summary including a description of my business, 2 ) Provide a target marketing strategy - with industry association analysis - and help with product selection ; and demographics ; 3 ) Provide a break even analysis. They would also provide a financial plan. This was all included in the initial charge of {$6600.00} on XX/XX/XXXX.The marketing plan was to include product selection and marketing techniques - including search engine optimization and social networking. The next charges for {$1900.00} and {$2600.00} on XX/XX/XXXX was to be for building the website and providing legal and tax planning.. It was very confusing because I had thought the original charge was to be for building a website. Why would I need the marketing strategy, etc ... If I did not have a website. Since I had already invested the {$6600.00} and had no website, I went ahead with these additional charges. After this it seemed like every week they were calling and saying I had to do something else in order to have a successful site. The next XXXX charges incurred were {$4200.00}, {$3200.00}, and {$890.00} on XX/XX/XXXX. These charges would be for planning, consulting, and product research. They would provide a credit coach that would help me get all expenses into a business loan instead of my personal credit. They would help with creating the XXXX and would be the registered agent for the XXXX. They were to also create a logo that would help with branding of my business. The next week they called and wanted an additional amount of {$5200.00} on XX/XX/XXXX. This was to provide traffic to my website - including banner ads and domain referral. It was based on my choice of how many visitors I wanted a month and I chose XXXX guaranteed visitors a month for a year. They would also provide website security for my customers and include a consumer trust shield on my website. They also created a merchant account for which I started paying monthly fees. On XX/XX/XXXX they called again saying I needed a preferred pricing website. They were wanting {$1300.00} for this. I paid {$300.00} for this, plus a {$390.00} merchant application fee, and financed the rest for an additional $ XXXX for XXXX payments beginning on XXXX XXXX. On XX/XX/XXXX I was again charged {$600.00} for upfront monthly fees and financed an additional amount with XXXX XXXX. I think this was for a " XXXX XXXX XXXX '' to show me which products were selling good. I 'm not sure what the remaining XXXX charges of {$4900.00} on XX/XX/XXXX and {$500.00} on XX/XX/XXXX were even for. Here I am weeks later, and to my knowledge I still do n't have any income that is residual. They mentioned that my account is active, but I NEVER EVEN put anything on it or seen it. As it turns out this Merchant is in direct contact with XXXX ONLINE. My credit card company states they will not refund my money because it is outside of the XXXX time frame required for a billing dispute, under federal law. Please advise them Under the Federal Truth in Lending Act ( TILA ) and Regulation Z, I have ONE YEAR to file a non-billing error type dispute. This is simply a claim of service not as described which can still be disputed. Please help me advise the credit card company that for this purpose allow they should issue a credit promptly. PLEASE HELP US! Thank you, XXXX XXXX
09/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • DE
  • 19709
Web
RE DISCOVER ACCOUNT ENDING IN XXXX You are hereby ordered to CEASE AND DESIST all actions! You are hereby in RECEIPT OF NOTICE under the Fair Debt Collections Practices Act, RCW 62A.3, RCW 19.16 and 19.86 regarding your above referenced file number and presented with a CONDITIONAL ACCEPTANCE OFFER. In an effort to settle this matter in the most efficient possible manner, I hereby CONDITIONALLY ACCEPT your demand for payment in the above-named matter upon your complete and total fulfillment of the following conditions : Condition:1. A Notarized copy of the ORIGINAL WET INK SIGNED CONTRACT and all other supporting documentation that give rise to and lawfully support the alleged obligations your Company now claims is owed. Condition 2 : Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally make me liable for this alleged debt. Condition 3 : Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally allow for the collection of this alleged debt. Condition 4 : Provide verifiable proof that any actual money was ever created or loaned to me by Your company, and not mere bookkeeping entries that were made in an attempt to establish the alleged obligation or debt, and in which case, this entire matter would constitute fraud on your part. You have twenty-one ( 21 ) days from receipt of this Conditional Acceptance to respond on a point-by- point basis, via sworn Affidavit, under your full commercial liability, signing under penalty of perjury, that the facts contained therein are true, correct and complete, and not misleading in any manner whatsoever. Declarations are an insufficient response, as declarations permit lying by omissions, which no honorable draft may contain. Your failure to accept my Conditional Offer of Settlement by producing each and every requested answer, record and/or documentation, will constitute your stipulation that I have no duty or obligation to any portion of the above aforementioned debt whatsoever, and that you have no right or basis to pursue any further collection. Be advised that notice to any agent in your firm or under your employ regarding this Conditional Offer of Acceptance is considered notice to any and all principals. Further, your failure to fully and completely respond on a point-by-point basis, as well as ANY ACTIVITY by your company to secure payment with a Writ of Garnishment, before responding to this Conditional Acceptance, shall be deemed as an Agreement with the facts as stated in the attached Affidavit, and shall be further deemed an Automatic Dishonor of this Conditional Acceptance and your Agreement by you and/or your firm to the immediate payment of {$75000.00} USD, payable to XXXX XXXX as compensating damages. Signed from without the United States in accordance with 28 U.S.C., Sec. 1746 ( 1 ). All rights are reserved without prejudice, UCC 1-207 and RCW 62A.1-207. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
11/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • SC
  • 29203
Web
DISCOVER FIN SVCS LLC Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$6900.00} {$6500.00} I am a victim of identity theft ; my personal information was stolen and used to obtain loans and credit cards. However, I was in XXXX from XX/XX/XXXX to XX/XX/XXXX when the fraud did not happen nor I have not benefited from any of this. I provided proof that I was XXXX ( identity theft report, the accounts, paper work from the government of my XXXX and validation letters ) to the creditors and all XXXX credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in XXXX ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX and XXXX I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents. All of my rights has been violated according to The Fair Credit Reporting Act ( FCRA ) The lawsuit will be filed due to the utter lack of response from your XXXX. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote XXXX in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court if needed. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization while i was in XXXX XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. This matter could've been settled simply by your agreement to remove the false information from my credit file with the evidence I provided. I will also be aggressively pursuing the full judgment that I can go against XXXX for violation of the Fair Credit Reporting Act and Defamation as well.
04/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • NJ
  • 085XX
Web
I am writing to dispute the delinquent payment for Discover Card Services. I have been a creditable card member for over 10 years with a perfect payment track history which you will also see on my attached report. I have always been diligent on keeping low balances and limiting my exposure to debt by paying in full monthly statements. During the past year, the Covid-19 had changed millions of lives, including mine. In XXXX, I was in the process of being furloughed, a position I have held for over 5 years as a XXXX XXXX. This was a very scary time and a stressful one. I wanted to limit my credit cards and charges by reducing my spending as you will see in my activities on my account starting in XXXX. I was unsure of what my future finances would look like and focused on holding on to my job. I am disputing the actions of Discover to my credit score for the following reasons : 1 ) I was unaware of the charges and I did not get any written statements of delay in payments from Discover, instead, I had emails sent that had landed in my spam account, which is why I was uninformed of the open balance. It was only brought to my attention when I had been notified via phone that my account had been compromised with a charge in XXXX, IL. The Discover agent then told me that the card did not go through due to a delinquent account. I was completely surprised and immediately resolved the issue. I paid the interest and total outstanding balance of {$200.00} in full on XX/XX/2021. I also closed my account to alleviate any future risks of payments and charges given my current employment situation. 2 ) When closing the account, I had asked the agent several times to ensure I was in good standing with a paid in full account. She assured me that I was completely paid and also stated I had a credit of {$45.00} in cash rewards ( attached exhibit # 1 ). She stated that Discover would mail me a check which I received and deposited on XX/XX/XXXX ( attached exhibit # 2 ). 3 ) This credit payment by Discover was an accounting error and they reversed my credit to an outstanding balance ( attached exhibit # 3 ), which shows up as an outstanding balance and a late payment with the credit bureaus. There was no follow up communication from Discover that this charge was done in error or any monies was owed back. Since the account was closed out and it was confirmed with XXXX balance, I dont understand why Discover did not reach out to correct their accounting error, instead of created an outstanding balance that reflected on my credit report as a late payment. At this point, I am requesting to take my challenging position last year into consideration and ask for all delinquent payments to be removed and cleared from my credit history including XX/XX/XXXX. I am extremely apologetic for missing one payment over the last 11 years of my partnership with Discover. It was just an unfortunate time for me and as you can see with my good intent, I have resolved all debts immediately when it was brought to my attention. Additionally, due to an accounting error on Discovers end, I am requesting they remove any negative communication to the credit bureaus due to outstanding balance and late payment associate with the {$45.00} balance, which I paid on XX/XX/XXXX when I spoke to the Discover rep. I hope with this good will letter and understanding from the current global situation, I will be relieved from the derogatory charges on my account and credit. For any additional information, please contact me at XXXX. Sincerely, XXXX XXXX
05/09/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • WY
  • 82901
Web
To whom it may concern, My name is XXXX XXXX, and I am writing to seek justice for the deceptive and illegal practices committed by Discover Card. According Discovers marketing and verbiage, all Discover customers are protected by a {$0.00} Fraud Liability Guarantee, which means youre never responsible for unauthorized purchases on your Discover Card account. ( XXXX XXXX XXXX ) Further, according to the same above mentioned source, Discover monitors your account through a free service called Proactive Fraud Monitoring. This tool is constantly monitoring your card for any fraudulent activity and notifies you if any suspicious activity is detected. On approximately XX/XX/XXXX, I authorized a ONE TIME payment to XXXX XXXX XXXX on behalf of a former friend named XXXX XXXX. Through an automatic payment system, I provided my number and authorized a ONE TIME charge in the amount of {$58.00}. I further got verbal confirmation from the fraudulent company that it would be a one time charge, and also informed Discover Card that I had authorized a one time charge. I considered the matter closed as I thought XXXX XXXX would be a somewhat ethical company. Sadly, I was mistaken. No reasonable person would assume a one time charge would be consistently repeated for over a year. Further, due to Discovers so called fraud protection, I was led to believe this unauthorized recurring charge would be picked up. Approximately a year later, I was made aware of the charge. I did not think to look at my statement for this charge. Upon seeing the years worth of charges, I contacted Discover to dispute the charges. In essence, Discover said I am responsible for all but two of the charges because I did not report it in time. I contested this extensively with both the dispute and fraud departments. I contacted the executive offices of Discover and spoke with a rude individual named XXXX who said I would be contacted within 14 days. Sure enough, I was not contacted. A temporary credit was issued for the charges. On XX/XX/XXXX, I again contacted the executive office and spoke with an agent named XXXX. This agent of Discover in fact CONFIRMED that the charges were reversed and the fraud claim was found IN MY FAVOR. After an hour of discussion, I asked XXXX to again confirm the case was found in my favor. The agent indeed confirmed and would send an email with her contact information. I confirmed that my email to the agent was waiting for an email. Sure enough, no email arrived. I again called back to the same number and asked to speak to XXXX, and agent XXXX and XXXX said there is no record of you every speaking to XXXX. Today, XX/XX/XXXX, I was able to reach XXXX on a recorded line and she has now changed her story. Now she is saying that even though a case can be closed, it can now be reopened with additional evidence. I asked what additional evidence was given, to which no response was provided. No proof of so-called evidence or agreement by me for these charges. However, XXXX did confirm that the verbiage on my statement of Security adjustment refund is only given when a case is found in favor of the customer. But they are now rescinding and saying in fact I am at fault for the fraud. I believe this to be an asinine and illegal set of activities committed by a company who claims to protect its customers from fraud, and therefore makes billions of dollars based on these false allegations. I ask the attorney general 's office to look into this matter for the safety of unsuspecting customers and citizens.
01/08/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VT
  • 057XX
Web
I owed XXXX XXXX a sum that I simply could not pay. I entered negotiations to lower the debt with a law firm said to be representing discover card. The firm was named " XXXX XXXX XXXX, '' located in XXXX Vermont and XXXX New Hampshire. I was told that if I entered a settlement, and completed it as per the schedule, there would be no negative reporting on my credit. According to the agreement, dated XX/XX/XXXX, ( see attached ), the settlement amount was to be for {$7400.00} to be paid in monthly installments of XXXX for 60 months. At the request of the Attorney for XXXX Cards, XXXX XXXX of XXXX and XXXX, the payments would be made payable tot he firm of XXXX and XXXX but mailed to the offices of XXXX and XXXX. Aside from the attached fax, I have not other supporting documentation. Although I was to receive copied of the documents I signed with XXXX XXXX at the courthouse I never received a thing. The only record I have of this is a copy of the faxed agreement from XXXX and XXXX which is attached. For approximately the first three years, I made payments to the firm of XXXX XXXX XXXX. Some time around XX/XX/XXXX, On XX/XX/XXXX, I received a phone call from XXXX XXXX of XXXX XXXX XXXX. She said that they had not received a payment from XXXX XXXX XXXX ( the attorney representing me ) since XX/XX/XXXX! I told her that I had indeed been sending my payments. My attorney XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX handled the matter. He communicated this to me via email : " I just got off the phone with XXXX. Apparently the payments were sent directly to XXXX XXXX XXXX in New York and she was not notified of the payments. No problem. She will get in touch with them and we 'll make sure that our records of payments match their records of payments received. I gave her my e-mail address to keep me in the loop until we are all set and the payments confirmed. '' After this, I was asked that I stop sending the payments by check and to allow the firm of XXXX XXXX XXXX to withdraw the funds directly from my bank account. I agreed and on XX/XX/XXXX, the first of the remaining payments for {$120.00} were deducted from my account. After my XX/XX/XXXX, payment of XXXX, the automatic payments which were drawn by XXXX XXXX XXXX stopped. I knew I was close to completion of the agreement but not completely finished, so I tried contacting the firm but all the phone numbers were disconnected. I was also unable to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX with out notice or warning, the debits resumed then continued until XX/XX/XXXX. At this point, I calculated that 60 payments had been made and the terms of the agreement had been satisfied. However, upon a recent examination of my credit report, I noticed that I have been negatively reported by XXXX XXXX and that my account is in collections for the unpaid amount of {$2400.00}. This amount is remarkably close to the amount of {$2400.00} which is the total amount of payments distributed directly to XXXX XXXX XXXX as per XXXX XXXX 's instructions in XX/XX/XXXX. I believe that XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulently diverted my funds to their own pockets resulting in the negative reporting on my credit. I made every effort required to be compliant to the full and inherent spirit of the agreement made in XXXX XXXX XXXX. I would like all parties involved in these wrongdoings to be prosecuted to the full extent of the law. Upon request, I can send you any and all of my email correspondences and bank statements related to this matter.
06/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • IL
  • 60619
Web
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Regards,
02/15/2017 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't decrease my monthly payments
  • AZ
  • 852XX
Web
Dear XXXX XXXX : Thank you for the reply to matter # XXXX. Please let me clarify and respond. 1. My requests to you for your personalized response, left on your direct voicemail ( XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX ) where all attempts to grant you permission to call and discuss the matter with me. Hiding behind a request by me not to receive automated collection calls is absurd. You officially, on the record, have my permission to call me to discuss this matter. 2. Beginning in XXXX XXXX, by my frequent and regular communications with Discover I have expressed nothing by an interest in working out these obligations so that I can better pay them on a regular basis while also begin repaying my federally secured student loans. Asking for a principal reduction was only one request. If you were to spend some time listening to previous calls and reading account notes, had your team members properly documented the account, you would also hear my many requests to restructure the loans to lower the monthly payment. That can be done by graduating payments, amortizing over a longer period of time, forbearing one loan while the other is being repaid, reducing the interest rate, and on and on. The number of possible work out solutions is quite expansive. Instead, your company with their consistent and robotic responses have said there is nothing we can do. 3. Contradictorily, your representatives have also told me each time I called since XXXX that I could pay a lesser amount, representing one month 's payment per loan to avoid the loans charging off at 150 days. I was also told, on numerous occasions now, that the loans would be turned over to the insurer after the loans have charged off at the expiration of 150 days past due. Since XXXX, I have been following that edict, alternating payments of approximately {$230.00} per loan around the XXXX and the XXXX of each month. The significance to those dates is that when I called in XXXX, I was told by the representative that Loan XXXX was at that time 141 days past due and that it would hit 150 days past due on XXXX/XXXX/XXXX. On the same call, I was told that loan XXXX was 110 days past due and that it would hit the 150 days past due mark on XXXX/XXXX/XXXX. I have not missed a payment since making the first payment on XXXX/XXXX/XXXX. Surprisingly, when I called this week on XXXX/XXXX/XXXX to make a payment ( the first business day after XXXX/XXXX/XXXX ), I was told both loans were 139 days past due and that they would hit the 150 day mark on XXXX/XXXX/XXXX. This is highly questionable given my payment history since XXXX and at the least, unfair and deceptive treatment given prior conversations with your company 's representatives. 4. What has become even more alarming now, is that in your response to my CFPB inquiry and complaint is your position that you " will be [ filling ] a claim with XXXX soon '' and that my only recourse at this stage is to bring the accounts current. Not only is this statement abusive in that it now threatens something that is contrary to what I have consistently been told since XXXX, it is unfair and deceptive. This bait and switch approach to collections is the very reason the CFPB exists, to help level the field and open communications between company and consumers. If I could afford to bring my accounts current on the schedule you now prescribe, I would not be talking to you, your collection representatives, or the CFPB. Please see attached document for the rest of this grievance. Thank you!
03/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89141
Web
DISCOVER BANK claimed to have completed a reasonable investigation with the furnisher of information and verified this account as reporting 100 % accurately. However, the account is still inaccurate and DISCOVER BANK is still continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. Recently, I received notice from XXXX that they had deleted a previous late payment for XX/XX/2022 that DISCOVER BANK reported for inaccuracy and it was re-inserted which is a violation. I am now requesting that DISCOVER BANK do the same and delete the remaining late payments for XX/XX/2022 and XX/XX/2022. Delete the reported late payments on accountDISCOVERBANK XXXXfor inaccuracy. The late payments for XX/XX/2022 and XX/XX/2022 are reported inaccurately and inconsistently on XXXX. I cant figure out how DISCOVER BANK verified these late payments when the only form of verification is the bank statement belonging to DISCOVER BANK. I need to see all original bank transactions and statements that belong to DISCOVER BANK that would prove my payments were not accepted on time or you need to remove these inaccurate and unverified late payments. Delete the late payments for inaccuracy. 15 U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written consent. 15 U.S.C. 1681s-2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681c. ( a ) ( 5 ) Section which states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1666 ( B ) states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S.C 6802 ( a ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. 15 USC 1692 ( c ) ( a ) states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 USC 1692 ( b ) ( 2 ) states Any debt collector communicating with any person other than the consumer shall not state that such consumer owes any debt. 15 U.S.C 6802 ( a ) ( b ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice to opt out. I have included a copy of my credit report highlighting the inaccuracies on the Discover Bank account, a Discover bank communication letter with violations, a list of laws you have violated, and XXXX investigation results showing that this information has been removed, and my original dispute letter showing the inaccuracies I request that you take similar action and delete this information on my report with your respective credit bureaus as soon as possible.
11/25/2023 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
  • IL
  • 60517
Web
I have been in a bankruptcy since XX/XX/XXXX. I have spoken with the " special department '' that deals with bankruptcy multiple occasions asking if I can just make a payment online. I have been told on multiple phones call with XXXX ID # XXXX that he has stated Discover can not take payments online because there are laws in place that are there to protect me in bankruptcy. The only payment they can accept is through a check mailed into a po box XXXX I informed him that this was not convenient as I just wanted to make my payment now and not send a check and wait for it to be received and then cashed. I was told by XXXX, the only way I would be able to make online payments again was if I took my student loans off of my bankruptcy. I had spoken with XXXX a few times before and then started to record my conversations with him. On XX/XX/XXXX a phone call that I recorded he stated again Discover can not take payments online because there are laws in place that are there to protect me in bankruptcy. I informed him that he was misinforming consumers that there is no law in place to protect me from sending payments to Discover online. I further let him know that my other student loan companies will gladly take my money in any shape or form so I can continue to make payments conveniently. I let him know that it was ethically wrong to only make someone who is in a bankruptcy pay only by mail as it's a sure way to set them up for failure. If I have money in my account right now, why can't I just pay you on the phone. I have called Discover on multiple occasions regarding this issue. I had called so many time regarding this issue that XXXX knew exactly who I was when speaking with him on XX/XX/XXXX. I once asked if they would wait to cash the check until the date posted at the top of the check and XXXX informed me no, they will cash the check as soon as it is received. I brought up this issue again XX/XX/XXXX when speaking with XXXX ID # XXXX and she informed me that many people have complained about this issue and I am not the only person in bankruptcy that has brought up the issue. I also asked if I can send a check today posted for the first of the month, and if they will wait until the first of the month to cash. XXXX informed me that Discover can not cash my check util the date posted at the top of the check. My checks have not been getting cashed by Discover and I have no idea as to why. I have sent 5 checks in the mail that have not been cashed and I do not know why they were not cashed, they were also not sent back to me in the mail. Hence one of my issues with sending a check. The check can not be tracked in the mail as the only place to send the payment is a po box . I tried sending certified mail, but they can not be sent certified mail because it is a po box XXXX They have claimed a supervisor will call me on Monday, but I am not going to hold my breath. Discover is setting up consumers in bankruptcy to do tons of extra work to mail a check, make sure the check is cashed, if the check isn't cashed, I have to send another check, and the only way I know the payment has been received is by constantly logging into my online account or calling them. Their employees are also misinforming consumers with lies about laws and cashing payments. Furthermore, I can not access any of my statements online or other information pertaining to my account and they claim because of the bankruptcy. I should be able to access every single one of my files pertaining to my account.
07/14/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • AZ
  • 85635
Web
On XX/XX/2021, I left my credit card in the holder or may have dropped it at a XXXX XXXX XXXX XXXX. I went back to the store and my card was returned by a customer. I asked the cashier if anyone had used it and she said no, that a customer gave it to her. A few days later when I was paying my bill online I noticed that my card had been charged for {$39.00} and {$160.00}, I called the number on my card. The gal who took my information said the charges needed to be disputed, she went ahead and did so. A few months later, I noticed the 2 same charges back on my account. I called right again. I was then told by the representative that this should have been handled by their fraud team, she then transferred me over. The fraud team opened up a case and removed the charges. A few months went by and once again I noticed the charges again. I called and was informed that they ruled against me because the card was in fact used at XXXX, I told them that while that is true, I did not use the card, it was left there and someone else used it. They then said I needed to get police report. I called the police station and was told that I needed to take care of this matter with my cc company. I called them back and told them, they said ok and the matter is under review. Once again I saw the charges back on my account. I called again and was told there was nothing they could do because I did not get a police report. I got very angry and words took place, not proud but it is my hard earned money they seek and my good name at stake. I called the police department again and asked if an office could please call me. An officer called and he found it ridiculous that Discover was doing this, but he would file a report and he did. I called the next day, on XX/XX/XXXX to inform of the police report. I asked what would happen now because the police officer was told by XXXX that they are uncertain how long the video footage is kept. The Discover rep informed that there were other reasons why my fraud claim was denied. she said that I failed to respond to their fraud alert that was done by email and text, I said I never received anything and I could subpoena my phone records and contact XXXX with regards to the emails, she then said, oh no need to worry because that wasn't one of the reasons. she then said the reason was because I kept paying the bill and didn't inform of the unauthorized charges until months went by. I told them that they had been told when I initially called I was told the charges needed to be disputed and I let the representative do her job and the charges were disputed with billing and when I called because the charges reappeared I was then told by the representative that this was a fraud case and she then transferred me to the fraud department. Now here I am, almost 4 months later still dealing with this. They said in a round about way that if there is not footage I would be responsible for the charges. One of the reasons I chose Discover was because of their fraud protection which states ... .when there is an unauthorized charge the customer is not 0 % liable yet they aren't holding their end of the bargain. I am a hard working individual who lives honestly and right now I don't have much money so I make sure I count my pennies. I am a XXXX XXXX XXXX with a part time job. I have always paid my Discover credit card on time, but I refuse to pay for something that I did not purchase or authorize. Please help me because this situation is taking a tole on my health, both XXXX and XXXX
01/30/2017 Yes
  • Credit card
  • Customer service / Customer relations
  • CA
  • 95835
Web
In the grander scheme of my turbulent turbulent relationship with DFS- Discover CC, Discover Bank , this particular complaint is truly not a big deal but I am writing to a complaint because I am at a loss for how to continue forth with DFS. I received an email 19 hours ago- today is XX/XX/2017 the current time in XXXX. The email informed me that there was that important information needed to be discussed with me in regards to my account, seeing that this was the first time I have ever received an email like this and given the chain of events that started in XXXX until now, I wanted to just make sure that I did my part- and what was necessary to, so at least, on my end, I will. know that I did what I could/ what was asked of me. Now, I initially tried to address this via chat helpdesk- the rep had no idea what I was inferring about, I was advised to call DFS- which I did just moments ago. XXXX from Ohio answered my call ( unaware of why this email was sent ) - he then passed me along to Payment Protection, and that def was n't where I was supposed to go- the rep from PP just like the chat helpdesk, and just like Stefan- had no clue as to why I was asked to call. I went back to rep in customer service- same issue- same outcome, last- I was transferred to billing and nobody seems to know why I was via email to contact DFS. Normally this is not an issue, but seeing that I WAS very unhappy with the outcome pertaining to a dispute that I never wanted to actually make in the first place, as I was merely calling in regarding a possible discrepancy about the charges made for the XXXX, I let my emotions get the better of me, I could not shake the fact that I think that due to ME FEELING like I was misinformed that I was getting punished for- and them some. It has been almost 5 months now since that and I AM JUST TIRED. Can we stop? Please? Look- it was my fault that I did not look over my account with DFS as diligently as one should while I was working overseas, I get that and I have learned my lesson. However ; I truly believe that there are very blatant within the customer support ( both via chat and by phone ), billing & dispites, internet/ web services, and even the payment protection departments- I am sure there are other department which were not addressed- please take those department into account as well. How is it that an email is sent to me asking for me to contact DFS and NOBODY seems to know why? Is it really OKAY for my CC company to not provide 4 months of statements, bc I there was zero activity? Is there set number of time that I need to personally reach out to DFS- to inquiry about the same issue or request the same state? I am TRULY ASKING THIS QUESTION bc if I can be presented with a number- I do n't think I would so frustrated. I have contacted DFS 7 times pertaining to transfer balances, for this email that was sent to me- I had to go through 5 channels. When the billing department was not available for chat earlier this week- I tried to go through the chat helpdesk- both times FAILED- if billing is not able to chat, why cant that just be indicated to the card member PRIOR TO THE CHAT? If DFS is going to send me some random email requesting for me to call- WHY NOT GO A LITTLE MORE IN DETAIL, so then 5 people- 7 ( YES I NEED TO COUNT MYSELF AS TWO PEOPLE NOW, SEEING AS I HAVE WASTED WAY TOO MUCH TIME ON NONISSUES ) do not have to waste time? I do n't think that this is the best way to utilize man hrs./ productivity. Please lets just end it- no more please.
05/26/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85259
Web
DISCOVER FINANCIAL violated my federally protected consumer rights under 15 USC Chapter 41. On XX/XX/22, I sent a Validation of Debt Letter to DISCOVER FINANCIAL via certified mail with a return slip. DISCOVER FINANCIAL received the letter on XX/XX/22 per the date that was written on the return slip. DISCOVER FINANCIAL had 10 days from receipt of receiving the letter to respond validating the alleged debt via a commercial affidavit under penalty and perjury and failed to do so. They responded with a letter on XX/XX/22 [ Exhibit I ] which is way past the date to respond by and responded that was not in the form of a commercial affidavit. It also did not clearly and explicitly state any of the demands to lawfully validate the debt that were laid out in the letter. On XX/XX/22 I also sent a Cease and Desist Letter to DISCOVER FINANCIAL via certified mail with a return slip. DISCOVER FINANCIAL received the letter also on XX/XX/22 per the date written on the return slip. DISCOVER FINANCIAL had 15 days to respond to and operate within the cease and desist orders. DISCOVER FINANCIAL continued to send mail and emails that breached the cease and desist orders. I sent a sworn and notarized Affidavit of Truth to DISCOVER FINANCIAL with an invoice in the amount of {$24000.00} to DISCOVER FINANCIAL via certified mail with a return slip on XX/XX/22. DISCOVER FINANCIAL received the sworn and notarized Affidavit of Truth on XX/XX/22 per the date written on the return slip. DISCOVER FINANCIAL had 10 days from receipt of receiving the affidavit to respond rebutting point-by-point via another sworn and notarized affidavit. DISCOVER FINANCIAL failed to do so. Pursuant to the laws of Commerce, an un-rebutted affidavit stands as truth and DISCOVER FINANCIAL consents to all judgements made, was to delete all records of the account in question and is liable to compensate me for the amount stated on the invoice. DISCOVER FINANCIAL failed to do ANY of that, in fact has not responded at all, and still sends me statements of the alleged debt. I sent a Notice of Fault and Opportunity to Cure Letter via certified mail with a return slip on XX/XX/22 to give DISCOVER FINANCIAL the opportunity to cure their current faults. DISCOVER FINANCIAL received the letter on XX/XX/22 per the date written on the return slip. DISCOVER FINANCIAL had 10 days from receipt to cure their faults by validating the alleged debt via a commercial affidavit and rebutting the sworn and notarized Affidavit of Truth point-by-point via another affidavit. DISCOVER FINANCIAL failed to so [ Exhibit M ]. DISCOVER FINANCIAL 's failure to cure their faults places them in DEFAULT and means that DISCOVER FINANCIAL willfully and knowingly violating my federally protected consumer rights under 15 USC Chapter 41. DISCOVER FINANCIAL is liable to compensate me for all violations per the invoice received on XX/XX/22 as well as any accumulated additional violations. This amount is stated in the Bill of Particulars attached for the amount of {$30000.00}. As of today, the account in question is still open, reporting delinquent and DISCOVER FINANCIAL continues to attempt to collect the alleged debt unlawfully. I have done everything needed to exercise my federally protected rights under 15 USC Chapter 41 and DISCOVER FINANCIAL continues to violate me. If DISCOVER FINANCIAL continues to violate me, I will have no choice but to file a Certificate of Dishonor and Non-Compliance and file a default judgment with the Federal District Court Clerk.
04/26/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • UT
  • XXXXX
Web
I applied for a balance transfer with Discover Card on Monday, XX/XX/XXXX. On the website, they disclosed the balance transfer would take 7 - 10 days. I spoke on the phone with an agent in their XXXX XXXX XXXX office the night before applying online on their website to make sure everything qualified and was in place. I have been a cardholder of theirs for 25 years. I always make my payments on time, figured they take care of long term customers. I called on the XXXX to see the status. They said it was processing. Would probably take a week to receive the transfer. I called on Monday, XX/XX/XXXX, asked about the status again. Spoke with a rep in their Arizona office. She said it would probably take a little longer. I asked if they sent it ACH or by mail. She said she didn't know and couldn't see in her systems. I asked to speak with a supervisor to see how it was sent. The supervisor in Delaware said they couldn't tell how it was sent and to expect up to 10 days. I called last night, XX/XX/XXXX, to find out the status of transfer. I spoke with a supervisor, XXXX in Ohio. He said they could see it had processed on XX/XX/XXXX. Wasn't sure why it was taking so long. He couldn't tell me if they sent it by ACH or paper check. I asked him to look into it. He said there was no way to tell and shrugged it off. I asked him to escalate it. He said there was no one there to talk to above him, I would have to wait and they would call me back. I asked if he could trace where the money was. He refused to do anything and said legally they couldn't take action until 8 days after " processing '' the check. This meant Saturday, XX/XX/XXXX. Today, XX/XX/XXXX, which is the 10th day since I applied, I received a phone call in the afternoon from XXXX in Ohio, who said he was a supervisor over XXXX in Ohio. He apologized, but repeated that they had no way of knowing whether a paper check was sent or ACH. I asked him to look again. He said there was nothing he could do. He said I would have to wait till Saturday, 12 days after I applied. I pointed out that their accounting people would be home on Saturday and unable to do anything to help me. He said they were there 24/7 and I could call the main number for Discover and ask for Billing on Saturday. He said if they had to restart the process, it could be another 7 - 10 days. I said unacceptable. He seemed pretty nonchalant about it. I said put yourself in my shoes. He repeated that legally they couldn't start anything to trace the check until 8 days had passed from the processing date. I spoke to my credit union several times. They have repeatedly told me they have no indication of a balance transfer from Discover. They are set up for ACH so I'm getting quite unnerved about how long this is taking. I feel like Discover is being deceptive. It seems like somebody is floating money and not taking responsibility for it. I am paying interest on my credit union account ( that was supposed to be paid off with the balance transfer ). I am simultaneously paying interest to Discover, whose employees seem to not know or not care about the location of my balance transfer funds ; no one can tell me how the funds were sent. The balance transfer is plainly showing on my Discover account, accruing interest. Where is the money? The staff at Discover repeat a series of scripted answers when I call. No one offers any solutions. Just the attitude of wait another week. I'm frustrated with this process and I'm going into day 11 now with no answers.
02/20/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Don't agree with the fees charged
  • CA
  • XXXXX
Web
Please see CFPB complaint XXXX and note I recently submitted to XXXX XXXX XXXX XXXX XXXX office complaint XXXX regarding XXXX. Note there are issues with my cosigner. There is a malicious takeover of commercial interests and extends back to personal matters. Some of her family has been involved and I believe has used her co signing on this loan and other things in various matters they have sought to deny and deprive me information of. Not only is information being denied, but my accounts are being monitored and cut off and the communications I do receive are hijacked. I intend to ensure the copyright I made is put in my name. This individual is not communicating with me and I believe from others I am being victimized. There are other complaints. There properties were put into foreclosure. I was not informed and I do have overlapping property. I want to know how these loans were taken into account. Some of those involved in takeover do stem from the program I attended at XXXX I believe but since then the program has dissolved diminishing it's value and I was not notified. Here is text to the complaint. Please also note the check I received from Discover number XXXX is not valid and I need a new one. However I requested information about this due to suspicions about this program and it's connection to other matters. hence I would like this addressed also. I am seeking discharge and repayment to the listed parties. Here is my complaint made referencing XXXX because they were the original loan holder and believe this transfer could be due to my situation. Please explain and provide me the original documents from XXXX also. Again here is complaint XXXX made to XXXX XXXX XXXX XXXX XXXX : The XXXX XXXX XXXX program I obtained these loans to attend dissolved diminishing the value of the program. I believe it is apart of the privacy and human rights violations I have experienced apart of a long range takeover of commercial interests. For example, some could extent to copyright XXXX which is a film/tv project regarding the anti nuclear movement from the 70s and 80s. However, I would like to also emphasize I believe there is IP ( that I have not formalized and the oppression I am experiencing designed to prevent ) regarding ediscovery. ISO began developing a set of ediscovery standards that actually began after these matters and is currently in the process of updating and implementing more for example standards XXXX and XXXX and due to being violated in a medical procedure some of this now may interact with what I believe is a cortical modem of some kind interacting with my account and ediscovery process. However, this XXXX XXXX program is something I believe was targeted as apart of their long term de meriting process. and the student loans themselves something those have targeted in their attempts to degrade me. XXXX XXXX, the individual whose name I put the copyright in was a co signer. Her family has been exceedingly malicious and I believe targeting my life even before. Hence I believe these loans were a factor even prior to their transfer to Discover. I am requesting all details of these loans and any information regarding them. In terms of participating in the financing of my projects and unfortunately complicity in takeover attempt. XXXX could be an involved party, and these loans used for those purposes also. I need to know if they are involved in this in anyway also. Please see attached CFPB complaint regarding Discover for details on issues related to that.
12/15/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • GA
  • XXXXX
Web
On XX/XX/20 and again on XX/XX/20, I was barred access to my Discover Banking account. When I called customer service on the XXXX of XXXX and actually got to a representative, I was transferred to the Fraud department. Apparently, the action of adding an external bank account, to transfer money into my account, triggered a flag on my account and then locked me out. XXXX, the fraud specialist I spoke with claimed she didn't see anything that caused the lock-out of my account, but she did what was necessary to get my account back to me being able to access the account. On XX/XX/20, I again had to call customer service because my account was locked out, I had no access. The first representative I spoke with, while putting me on hold, she made the sly comment that I had done something fraudulent before she actually placed me on hold. When I got to the next representative, he asked had I attempted to use XXXX. I told him that I attempted to set that feature up and then my account was logged out. I asked him why that happened, he didn't tell me. I requested to speak with a manager. A spoke harshly with a Mr. XXXX in regards to the issues surrounding why my account keeps getting locked out and his only excuse was to tell me that Discover has certain security features in place. I asked him why did these security features keep locking me out of my account and that I felt that I was being singled-out by something that was possibly placed in my account and I wanted to know what, being that my account gets locked out on a regular basis. He wouldn't tell me the reasons why my account was locked out and I basically requested that if they couldn't tell me the reasons why this constantly happens, then I needed to close out my account because I couldn't trust them with my money, being that I'm not able to fully access my account. His only excuse was that Discover has protocols and security features in place and he couldn't guarantee what causes their systems to lock a person out. I stated that I've never had the issues with any other bank, that I have with Discover and again he wanted to tell me about their security features, but tell me the exact reason why my account was locked out again. I requested that he have someone from Discover 's escalations department give me a call so I could determine what to do in regards to this account. After I had spent an hour and 42 minutes on the line, my account was still locked out and I had no answers as to why this issue keeps happening. Mr. XXXX placed me on hold to supposedly go unlock my account, but an hour after, the account is still locked and I have no answers. As I stated to Mr. XXXX and others that I spoke with on the phone, regardless of what I do with this account, I get locked out. I've been locked out for adding an external bank, I've been locked out for logging into my account from my mobile device, I've been locked out because I tried to set up recurring deposits. These are things that have locked my account that doesn't happen at other banks. Mr. XXXX could only repeat his spill about Discover 's security features. This has happened multiple times and someone needs to investigate why Discover allows this to happen without an explanation. Because of Discover 's actions of locking me out of my account, I've experienced a loss of money ( because XXXX wasn't set-up on the account to accept the money ), I've suffered emotional issues because representatives have made me feel like I've done something wrong, when I haven't.
06/26/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • AZ
  • 85018
Web
Purchase date : XX/XX/XXXX Amount : {$4300.00} I purchased a designer purse from XXXX on XX/XX/XXXX & the XXXX seller listed the purse incorrectly. The seller admitted to listing it incorrectly & agreed to return it. All communications are documented between XXXX, XXXX & Discover. After getting really nowhere with XXXX & XXXX on the return, I opened a dispute to my credit card company ( Discover ) for help. XXXX : Dispute submitted to Discover after getting the run-around from XXXX for almost 2 months from the transaction date Uploaded all documentation providing details from XXXX that they would issue a full refund on XXXX once the purse was received back XXXX : Uploaded documentation to Discover dispute site to show that the address provided by XXXX was wrong & emailed seller directly for her address XXXX : Uploaded documentation to Discover dispute site to show that the package came back to my home & requested what to do with the package XXXX : Uploaded documentation to Discover dispute site to show that the seller agreed to the return & included the screenshot from XXXX XXXX : Seller agreed to the return. The seller provided a notification from XXXX that they sided in my favor XXXX buyer : XXXX ). The money would be deducted from the sellers account on XXXX XXXX : Uploaded documentation to Discover dispute site to show that the accepted the return & that the case should be resolved in my favor since the seller had confirmed the purse was returned in perfect condition which would warrant a full refund XXXX : Discover said they sided in favor of XXXX XXXX representative stated on XXXX that the money was removed from the sellers account & back to XXXX on XXXX Ebay screenshot of this communication showing the money was deducted from the sellers account Seller confirmed on XXXX that the money was deducted XXXX : Spoke with Discover account manager Apologized that a previous account manager told me to return the purse Arbitration did not side with me/sided with XXXX & XXXX XXXX deducted the money from the XXXX seller on XXXX Reiterated that I had uploaded documentation Discover dispute site on XXXX stating that XXXX would refund the money XXXX Spoke with Discover dispute specialist to follow up with the status of my case Account Specialist said they would escalate to HQ since Discover account specialist said to return the purse Discover dispute specialist stated a dispute supervisor would call me in <48 business hours - supervisor never called Ongoing communications to Discover in XXXX & XXXX spoke with account specialists, they told me to return the purse. The purse was returned & confirmed return on XX/XX/XXXX. All conversations were recorded by Discover Documentation uploaded to Discover dispute Subject line : XXXX status update - XXXX seller confirmed receipt of package.pdf.pdf In summary, I wouldnt have returned the purse until I received a refund from Ebay>Paypal>Discover. The only reason I returned the purse is that I was strongly encouraged by Discover account specialists to work with the seller to return the purse - all of these calls were recorded. I do not have the purse & I am out the money + paying interest on my credit card - Discover has done very little to help the consumer in this situation. Discover closed the dispute after countless documentations outlining that the purse had been returned & XXXX had agreed to refund my money on XX/XX/XXXX. The seller confirmed receipt of this purse on XXXX. All documentation was uploaded to Discover.
04/29/2015 Yes
  • Credit card
  • Credit card protection / Debt protection
  • FL
  • 347XX
Web
To Whom It May Concern, Thank you for taking time out of your busy schedule to listen to my story. Here is how it goes. XX/XX/XXXX, I called Discover Card and activated my 'payment protection ' I had been being charged for since carrying a balance. I was informed at that time I was eligible for up to 24 months of 'payment protection. ' Shortly after that conversation, in the mail I received a letter from Discover Card telling me I was approved for 90 days. At that time, I did n't care I only was approved for 90 days because I was confident I was going to have a job by now. XX/XX/XXXX, I made what I felt was a courtesy call to Discover Card to let them know I was still unable to make payment due to still being unemployed. My first call was answered by a nice lady. I explained my situation and was intending on asking for my 'payment protection ' to be extended. In all fairness, I was referring to it as 'credit protection. ' She put me on hold then came back on and said she needed to transfer me to someone else. When she did that the call was disconnected. I made a second call immediately after the disconnected first call and, in similar fashion, when I was getting transferred the call was disconnected. On my third attempt, the first transfer sent me to someone dealing with identity theft. They had to transfer me to another department and I ultimately arrived ( after about 25 minutes of nobody competent enough to understand what I was asking for ) the Bankruptcy Department. I, once again, explained I would like to utilize all or at least a portion of my 'credit protection ' and, I assume since she is n't in 'customer service, ' when I told her I could n't pay, she asked if I had filed for bankruptcy. Because of my agitation, I said 'yes, I 'm going to file for bankruptcy. ' She set my credit card status to 'pending bankruptcy. ' I said that purely out of aggravation and 15 or so minutes after that call, I placed a fourth one. I got to the Bankruptcy Department and said I 'm not filing, I have n't filed, I would like that status to be removed. They said they ca n't reverse it. I asked if I was current on my payments and she said 'yes. ' In fact, my next payment is n't due until XXXX/XXXX/XXXX. Because of 'procedure and policy, ' they are not able to reverse the bankrupt status. I am being courted by XXXX XXXX. That would render a {$30000.00} base pay plus commissions. XXXX XXXX does credit checks and that bankruptcy would not allow me to be hired. It just seems they are cutting their nose off to spite their face because any job I ca n't get prohibits me from paying Discover ( and other bills. ) They seemed very quick to set me into bankruptcy status and very inept to know I still had 21 months of eligibility on my 'payment protection. ' I do n't think I should be penalized for their ineptitude. I received a letter yesterday ( XX/XX/XXXX ) from XXXX XXXX XXXX , XXXX identifying themselves as a collection agency. They 're only doing their job so I ca n't be upset with the messenger. However, they, as well as Discover Card, have identified I 'm current on my payments. How can I be neglected the ability to use the card if I 'm current on my payments? Yes, I 've been unemployed for some time, and have n't been able to obtain employment for a medical issue that occurred on XX/XX/XXXX. By the way, I 've had my relationship with Discover Card since XX/XX/XXXX. This is the customer service I get as a loyal customer for over 20 years? Thank you for your time.
12/17/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30680
Web
My wallet was stolen from my local gym, this past summer. In my wallet was my drivers license, SS Card, a XXXXXXXX XXXX XXXXXXXX XXXX credit card, both a XXXX XXXX XXXXXXXX credit and debit card and my Discover Credit card. Once I realized that my wallet was missing I called each financial institution notifying them that my wallet was missing and these cards were in said stolen wallet. There were unauthorized of each of these cards ; I was able to rectify the problem quite simply with XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX XXXX, however there was a summation of {$1700.00} worth of unauthorized transactions on Discover card that have been nothing but an issue from the time I notified this institution. The transactions occurred after I had already called Discover Bank notifying them of the missing card. I had, in n uncertain terms, called Discover Bank on XX/XX/2022, explaining the missing wallet, I asked for the card to be locked and I was told the situation would be handled and I would have nothing to worry about or be responsible for, but Discover fed me untruths. My Discover card wasn't locked, unauthorized transactions persisted into XXXX and I explained to Discover that no one else had authority to use my card. The transactions consisted of out of state purchases and unauthorized online transactions. I called Discover FOUR different times, but my card was only locked due to a balance not because I was doing the right thing and reporting it within the " 120 day timely manner chargeback, per Discover handbook ''.. As of XX/XX/2022 Discover is holding me responsible for all out of state and " online purchases because I am out of the " timely filing period ''. It appears that these transactions are made from email addresses that DO NOT belong to me. The email addresses are ; XXXXXXXX XXXX XXXX XXXXXXXX. Both the billing and shipping address always have my name misspelled or some strange variation of my name. These transactions are also being authorized by a phone that DOES NOT belong to me. My wallet was stolen on XX/XX/2022, but Discover is the only criminal. They're lying saying that i filed out of " timely manner '', they're saying I made " out of state '' purchases when i have work timestamps saying I was in XXXX. Discover needs to held responsible and I want all fraudulent charges on my card rectified. The Discover Bank customer handbook CLEARLY states that ; There are two important time limits to be aware of when it comes to Discover chargebacks : the first is the time limit for filing a chargeback, and the second is the time limit for responding to a chargeback claim or ticket retrieval request. According to Discover, cardholders officially have 120 days from the date of the transaction to initiate a chargeback, although the network may accept claims filed outside of that window on a case-by-case basis. If a dispute is filed with Discover and a ticket retrieval request is sent, the merchant has just five calendar days to respond with the requested information. Merchants will have an additional 20 days to provide supporting documentation for any subsequent requests or appeals. Discover is lying saying Im out of timely manner WHEN I AM NOT, saying I made out of state purchases WHEN I DID NOT AND HAVE WORK TIMESTAMPS TO VERIFY, and saying my phone verified charges WHEN I DID NOT AND IT IS NOT EVEN THE TYPE OF PHONE I OWN. I will pursue legal council if this is not fixed by Discover. I did not make or authorize ANY charges from XXXX.
05/25/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • IL
  • XXXXX
Web
A California merchant contacted me in XX/XX/XXXXseeking business of settling a debt for me. I refused. It made unsolicited calls a year later, in XX/XX/XXXX. I took the bait this time, but hesitantly. I paid it {$3500.00} via a Discover Card charge ( attached ). As stated on the charge slip, the funds were to be held in the attorney escrow account until I authorize it released. I did release it a few month later. I gave them later another Discover Card authorization, this time they were not collect the money until certain conditions set and judged by me were met. These conditions were written on the credit authorization I signed. It is also attached ( dated XX/XX/XXXX). The company without my permission and without meeting those conditions charged my credit card for {$3900.00}. I disputed this unauthorized charge of {$3900.00} with Discover based on the following : 1- I have been with Discover Card for 32 years. I have ALWAYS paid my bills on time. I have never, not even once in 30 years, been late with my payments. So, I am a credible customer. 2- The authorization of XX/XX/XXXX, had stipulations, namely : " Full payment of the balance, to be charged after ( 1 ) the successful acceptance and execution of the settlement agreement on the second mortgage BY ALL PARTIES, and ( 2 ) the release of the 2nd Mortgage Lien. '' The firm did not fulfill these terms but used the authorization against my advice. I objected but the firm would not refund the money. I contacted Discover card and disputed it. 3- I did not know much about the merchant, XXXX XXXX XXXX ATTORNEY. Later I learned that both the public and the regulators have had a lot of problems with it. For example, the BXXXX XXXX XXXX rates this company F, its lowest. Here is the link : XXXX XXXX XXXXXXXX. The firm is dysfunctional and it does not abide by its agreement and uses intimidation. 4- To prove that the charge is valid, Discover Card forwarded me a letter from the firm, datedXX/XX/XXXX, signed by a XXXX XXXX XXXX stating that I was her client. I was not and the State of California confirms that she is NOT an attorney. 5- Discover Card forwarded the contract between me and the firm. Discover Card does not appear anywhere in the contract '' and it is not a party to it. 6- To prove that the charge is valid, Discover Card used the contract but ignored its provision for settling disputes : Article 9 say the matter shall go to Arbitration. Discover Card acted as an Arbitrator when in fact it is not, and I never appointed it to be an Arbitrator. 6- After several rounds of contacting and disputing this charge with Discover in XX/XX/XXXX and XX/XX/XXXX, Discover Card without my authorization or consent acting as the judge and an arbitrator in this case, gave the money to the company against my objections. 6- I wrote to Discover Card and Discover Card understood that I had put the stipulations in the authorization form, and that only I, as the signer, can say whether or not the conditions are met, and that I did tell Discover Card the conditions were not met. I need Discover Card to refund me {$3900.00} plus interest and a letter of apology for usurping my rights, violating FCRA, RESPA an FDCPA rules, acting as a collector, court of law, an arbitrator all at the same time when in fact its sole role was a card issuer and should have heeded my advice and not engage in improper and illegal acts of settling disputes when it was not asked nor was it authorized or chartered to do so.
08/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 324XX
Web
" As indicated by the Fair Credit Reporting Act 15 USC 1681 segment 602 a states " There is a need to safeguard that purchaser revealing offices practice their grave obligations with decency, unbiasedness, and a regard for the shopper 's right to security. '' XXXX and XXXX are customer revealing offices and I'm the Buyer. I reserve the option to ensure my confidential data isn't shared which is upheld by 15 USC 6801 which states '' It is the approach of the Congress that each monetary organization has a positive and proceeding with commitment to regard the security of its clients and to safeguard the security and privacy of those clients ' nonpublic individual data. '' ( Furnisher of data to credit organizations ) is a monetary establishment by definition under that title. 15 USC 1681 segment 604 a part 2 expresses that " In everyday Subject to subsection ( c ), any shopper revealing office might outfit a purchaser report under the accompanying conditions and no other : as per the composed directions of the purchaser to whom it relates. '' ( Furnisher of data to credit organizations ) the monetary establishment and the Purchaser announcing offices XXXX and XXXX try not to have my agree to outfit this data and they unquestionably don't have my composed assent. All agree to XXXX, XXXX, ( Furnisher of data to credit organizations ) whether it be verbal, non-verbal, composed, inferred or then again in any case is denied. 15 USC 6802 ( b ) ( c ) states that " A monetary foundation may not reveal nonpublic individual data to a nonaffiliated outsider except if the customer is given a clarification of how the shopper can work out that nondisclosure choice. '' ( Furnisher of data to credit organizations ) Never educated me regarding my entitlement to practice my nondisclosure choice. Not just that 15 USC 1681C ( a ) ( 5 ) states '' Besides as approved under subsection ( b ), no customer announcing organization might make any buyer report containing any of the accompanying things of data Some other unfriendly thing of data, other than records of convictions of violations which predates the report by over seven years. '' They are reporting this negative account again without my permission, which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " An individual will not outfit any data connecting with a purchaser to any shopper revealing organization assuming the individual knows or has sensible reason to accept that the data is off base. " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title, '' reads " Every consumer reporting agency shall maintain reasonable procedures. '' XXXX and XXXX are not keeping up with sensible strategies. Likewise 12 CFR 1016.7 states that " A customer may practice the option to quit whenever. '' I will no longer use your reporting services I am opting out. 15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures.
02/02/2020 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Problem lowering your monthly payments
  • FL
  • 33702
Web Older American
I was laid off from my job along with 40 % of their staff in XX/XX/XXXX. I was 2 months short of turning XXXX. In XX/XX/XXXX I lost my only surviving daughter and I buried myself in work to distract from thinking about her all day and falling into deep XXXX. When that was also taken away from me I had to make some decisions. Firstly, I am a responsible person, but with limited funds, I pay what is essential to live and I could not at the time continue paying Discover Student Loans, a private loan I got in XX/XX/XXXX. I sent them a letter explaining what happened, but not a nice one as they are predatory about the loan in my opinion. They used to call & leave 8-10 messages a day, but then they would just call & not leave messages, sent several bills, but I had other bills to deal with that were crucial like rent & car payments, etc. In XX/XX/XXXX, I decided to retire early at XXXX starting in XX/XX/XXXX. The jobs that were similar to what I did for the XXXX XXXX XXXX XXXX XXXX XXXX were paying at least $ 20,000/yr less than what I was making. Also, who wants to hire a XXXX-yr-old to work full-time and think that they will be retiring soon or that I am too old to learn something new? More importantly, after losing my girl, I just didn't have it in me anymore to jump through hoops & act as if I'm going to be 100 % living for the company. I was given 2 blows within 6 months at a vulnerable age. Discover Student Loans went after my brother who was my co-signer. The loan was so old I did not even remember I had a cosigner. He is retired and on a fixed income but they scared him enough to make him pay {$480.00} to catch me up. I got 1 letter from Discover saying he did this. Then I got another letter saying he has agreed to pay $ XXXX/month in their auto-pay program. I spoke with their head collections officer who just did the robot thing, " I understand, blah, blah '' but you still have to pay us every month. The balance is {$2900.00} now, I've paid for so long. I do not want them to take money from my retired brother every month and this " officer '' assured me that the letter I received saying should not have been sent and they will not do this to him. I do not believe them. I did get 57 days forebearance from this person, but after that I have to pay $ XXXX/month. As an early retiree, I will also be on a fixed income and can only work part-time. I asked this officer if they could lower my payments to {$30.00} or {$40.00} per month. He said no. Discover has had several problems in the past and have done a little trick with me in past many times. They would send a bill one month, forget to send it the next month. The next thing you know they are now charging me for 2 months and now added a late fee.This practice was easier in the early XX/XX/XXXX, but continued after XX/XX/XXXX. If you are a busy person it is hard to keep track sometimes and I think they " banked '' on this. Also the bills came in many different forms, some with account numbers, some from different offices. I don't know if this is relevant but there it is. I am hoping you can help me get an agreement to pay them $ XXXX/month and that way if I have more money on some months I can pay them more. For {$2900.00} and for our situation, ( both of us retirees ) I don't know why they are so monstrously greedy, but then they hold all the cards. They are a big corporation that doesn't pay taxes and can cheat us whenever they want. We don't seem to matter in this day and age.
06/20/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • MI
  • 48322
Web
Discover account # XXXX XXXX XXXX XXXX Commonsense, consumer convenience and transparency has turned to recklessness, paranoia and a complete abandonment of logic. I have a Discover account which Discover has blocked from allowing me any type of access. I have received a message to call and verify transactions. I called twice from my phone and an automatic response requested me to enter information to verify I am the cardholder. 1. I was prompted to enter the last 4 digits of my Discover account #, I did so correctly ( XXXX ) 2. The last 4 of my social security number, I did so correctly ( XXXX ) 3. The 3 digit code on the back of my Discover card ( XXXX ) I did so correctly 4. The 4 digit expiration date ( XXXX ) again correctly entered 5. My billing zip code. XXXX The automated response then explained I was being transferred to the Customer protection dept. to verify transactions. On my first attempted call, I was placed on a long hold and finally hung upon my 2nd call after gong through the entire process again I was placed on another hold and after a few minutes once someone finally picked up the call was disconnected. I wake up at XXXX Mon-Friday, leave for work by XXXX for a 45-60 minute commute ( depending on construction ) and I typically do not get home until XXXX. I am mentally tired and like to have the next hour or so to unwind and relax. I truly do NOT have time or the patience to deal a very flawed system. Discover provides no other avenue to verify or set at ease any concerns. I am unable to email, they do not email me, text me or leave any kind of message at all that would allow whatever issue they suspect to be resolved. They provide consumers only one way, call, wait and wait. I have other credit cards which requested me to verify charges over the years and it is a rather consumer friendly process. I am either texted to charges of concerned and text back to verify them or not verify them. Or I can call and as an alternative to long holds and long verification process. An automated command would ask me to verify charges. The command would provide a transaction and I would press 1 or 2 to verify the charge. If I verify the transactions as mine any restriction is immediately lifted. Very simple and far less time consuming. Discover probably wants to confirm a balance transfer I initiated for {$3000.00} into an account in my name. This balance transfer was solicited to me by Discover and I had to complete it that day to take advantage of the 0 % rate. SO although this balance transfer is for an account in MY name, and I called from MY phone, verified in my profile and a number also on my credit report, answered all questions correctly verifying the card is in my possession and made a recent payment from same account in last 24 hours. My account is blocked from me to have any access online or by phone. Meaning I am unable to make any further payments. Therefore, as a venue to protect myself from Discover ruining my good credit I must make this complaint. Unless Discover removes the reckless restriction and/or provides a more reasonable way to address any concerns they could possible have I will not be allowed to make future payments on this account. As a result I am placing Discover on warning of reporting any negative information to the credit bureaus regarding this account. If Discover continues to restrict this account then they are relieving me of any future responsibilities. Commonsense, commonsense commonsense.
10/22/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • XXXXX
Web
Greetings & Salutations, Have a issue with Discover Card credit card. The account was sent to collections after receiving a letter from XXXX XXXX XXXX XXXX from XX/XX/XXXX & sent out a debt validation letter on XX/XX/XXXX & received a singed Return Receipt on XX/XX/XXXX from XXXX XXXX XXXX. Discover Bank, the creditor of your account, has assigned the above referenced account to XXXX XXXX XXXX XXXX for collection. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after this notice that you dispute the validity of this debt, or any portion thereof, this office will obtain verification of the debt or obtain a copy of the a judgement and mail you a copy of such judgment or verification. If you request of this office in writing within 30 days after receiving this notice this office will provide you with the name & address of the original creditor. If different from the current creditor. I sent a letter of response to XXXX XXXX XXXX XXXX on XX/XX/XXXX & haven't received a response. The tracking number along with a signed copy of the certificate of Return Receipt verifies a received response of the debt validation letter on XX/XX/XXXX. Still awaiting response as of XX/XX/XXXX. Discover Card sent a letter as well on XX/XX/XXXX. Thank you for recent correspondence. We previously communicated to you the result of the our investigation. Unless you have new documentation to substantiate your claim, the account & balance will remain valid. In order to maintain the integrity of the Credit Reporting Agencies we are required to report accurate information & are unable to modify your credit bureau report. We are required to report your account to the Consumer Reporting Agencies as a disputed account until you advise us to remove the dispute status. If you have further questions, please contact our office at XXXX between the hours of XXXX - XXXX ET Monday through Friday. I sent out a debt Validation letter on XX/XX/XXXX to Discover Card. Still awaiting response. As you can see the Discover letter is dated on XX/XX/XXXX & the Certified Return Receipt is dated XX/XX/XXXX which is attempted fraud to communicate a wrong date as seen in the file picture. They received my response letter as the Signed Return Receipt indicates. Still awaiting 2nd response from Discover Card as of XX/XX/XXXX. Discover Card won't take the {$10000.00} off of my credit report. I reported this to the credit reporting agency on XXXX, XXXX, & etc .... All they do is file a consumer dispute which drops my credit score & once the dispute is over in Discover Cards Favor, my credit report score goes back up. That is all Discover card does, they can never verify the debt & haven't produced a signed contract which means this is still a unsecure debt. Still awaiting there 2nd response letter as of XXXX. I called Discover for the account & they refuse to take off the debt on my credit report even though they are unable to verify the debt & no contract was signed for the debt & is a unsecured debt. The credit reporting agency takes the creditors word for it, due to being unable to ask for evidence from the banks. As a result, the statue of limitations on unsecured debt is 6 years in Washington state & has to come off my report. Sincerely, UCC 1-308 Without Prejudice XXXX XXXX
03/01/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 913XX
Web
We charged {$650.00} with our Discover card to a new XXXX for a XXXX XXXX for my son. My son would not be able to use it as he would be away at college, as it was going to take 2 weeks or more to make. My wife called the XXXX XXXX XXXX to cancel it and credit our card, She said she would. Our card was never credited. My wife tried to call the XXXX office, but kept getting an answering machine, my wife left many messages. a few months went by, no credits. I tried to call the XXXX office myself and also received an answering machine and left several messages over about a month period. the dental office finally answered the phone and I spoke to XXXX about the credit we were suppose to receive, She told me they were short staffed and also they had been on vacation. XXXX told me she would talk to the XXXX and call me back. Never called back. I tried to call them. I waited a few more weeks thinking they were processing the credit. Nothing. Finally, I called and left a message telling them if I didn't hear from the I was going to dispute it with my credit card company. Never heard from them, so I called Discover card to dispute the {$650.00}. We did not receive any product nor did the dental office make any product. The representative took all the information from me, and told me the {$650.00} will be in dispute and to give the dentist a chance to respond to the dispute. I was told if they do not respond to the disputed amount the temporary credit will be a permeant credit of {$650.00}. 5 weeks went by and I noticed, the {$650.00} was paid to the XXXX. I called Discover card and was told they never responded to the dispute. The charge was put back on because I did not have a cancellation letter or a tracking number. Everything was verbal. Discover told me that we should try to call them and have them issue the credit. I told them, we had been trying for months, how we we ever get them to give us a credit when you sided for them and paid them. I was misrepresented and unprotected by Discover in the dispute process as I have no mouth guard and paid {$650.00} for nothing. If Discover representative would have told me they would automatically put the charge back on if they didn't respond I might have had a chance of getting a cancellation in the 5 weeks it took for the dispute, but was misrepresented the process. I spoke mgr XXXX who is at Discover dispute, who was vague and unhelpful. He told me to take other avenues., but it was final with Discover. I called Discover XXXX. We spoke to XXXX at Discover XXXX offices. He took all our information and told us he would call us back. Several days past by, and no call, so we called and spoke to XXXX who did not remember anything of the conversation, complaint or the phone call. We were surprised by his answer, that he couldn't remember anything because we talked in detail about our dispute problem.. It was like it was our first conversation, but we gave him all the details again. He had us hold for a few minutes and came back and found the file, he told he had already made his decision and it was for the merchant. I told him I was surprised and disappointed that we have no protection from Discover and I have to pay for something I did not get. I have been a cardmember for almost 30 years, and have had great customer service in the past, but any way you look at this, it is a misrepresentation and a big loss to ME, the consumer, of a {$650.00} charge that should have been reversed in my favor.
10/03/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 95127
Web Older American
Topic : Discover card falsely reported against me to the three credit bureau with falsified records to do me significant harm on my unblemished credit records for over 4 decades. I have been a Discover customer for many years. In 2019, after Discover 's irritatingly continuous ( daily ) solicitation to have me taking a balance transfer offer, I decided to try their offer. Immediately after that, with the discover staff direct involvement and confirmation, I set up an auto debiting arrangement from an external checking account. Since this was an auto debiting bill payment, like many others I have, after monitoring and ensuring the first few payments being recorded correctly, I felt reassured. Then, out of the blue, I was being notified by the credit bureau that Discover card reported against me for being delinquent on my XX/XX/2019 payment. In my entire 4 decades of credit history, I never had one negative or delinquent record with any vendors. Being in shock, I have called discover and received many assurances from the people saying it XXXX have been a mistake on the discover card and they would take care of this. But disappointingly, after a while, they blamed it on me saying that I have provided them a wrong debit account which is of course an entirely false statement. I always maintained the same debit checking account at XXXX XXXX XXXX for all auto direct payments to fully comply with the promotional offers. I have never authorized Discover card to overwrite my debit account with some random account ( I don't even know what it is ) In my several decades of credit history throughout my entire life, I never had any payment late or any other violation of any credit/financial agreement as exemplified by my persistent XXXX XXXX credit score. Sometimes a little common sense makes thing very clear in difficult situation though I have clear log record of my conversations and interactions related to this event : Would it make any sense for anyone in my situation with stellar credit history to change to a random debit account only to come back on his own and change it back again to the original account? A debit bank account is always tested and verified prior to being established as a legitimate link for payment. Also, how is it possible that I was not even notified/alerted at all of any failed attempt to establish such link or let alone withdraw the payment amount from the changed wrong account number? ( Please note : Stunned by the alert from a third party credit monitoring service I initiated repeated calls to Discover on XX/XX/XXXX ) Attached are the records of my correct debit account in Discover account which Discover ignored while reporting against me with a random debit account. The wrongdoing was clearly done by Discover staff members and in order to cover up their own incompetence and mistakes, they framed me and did not hesitate to ruin my unblemished credit report. Since then, despite my numerous attempts to have the Discover remove this false reporting in the credit bureau, they declined and also declined to provide me any evidence of my changing the debit account number as they claimed. In case you need any further clarification, please don't hesitate to email or call me ( cell XXXX XXXX XXXX ). I would appreciate if you promptly force Discover to correct and rescind the wrong negative reports to all the credit bureaus, which has been having a significant negative impact on my business and our life.
09/29/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NY
  • 11580
Web
On XX/XX/2020 I mailed a negotiable instrument ( check, money order, federal reserve notes etc ) to an attorney XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in regards to a XX/XX/2020 court order signed by XXXX XXXX XXXX of XXXX County District Court in reference to a credit card account # XXXX. I sent all correspondences through a disinterested third party, a Notary Public evidenced by certified mail tracking and return response. I did not dispute any of Ms. XXXX 's facts or the ruling made by the judge but sought to honor the debt that is outlined. After sending a negotiable instrument toward the satisfaction of the debt I gave Ms. XXXX 30 days to respond through the notary that she had removed the debt from the public registry or had a reason why she could not. Ms. XXXX did not respond to that first correspondence. On XX/XX/2020 I sent a Notice of Non-response and Opportunity to Cure to Ms. XXXX through the Notary Public to give Ms XXXX an opportunity to cure the error or state why she was unable or unwilling to do as required by my correspondence and law that she relied on for not doing so along with a second negotiable instrument toward the total satisfaction of the debt. I gave Ms XXXX ten days to respond, she did not respond to the notary. Ms XXXX and XXXX XXXX XXXX XXXX after receiving both the first and second mailings did not cure their dishonor, did not send a notice stating that they did not receive the mailings or that they needed more time nor did they send a notice of dishonor from a qualified party excusing their refusal. I then sent a Notice of Default to Ms. XXXX and XXXX XXXX XXXX XXXX through the Notary Public in regards to the matter and gave them an opportunity within ten days to do as required by the first correspondence or state a reason why they failed to do so. Again, they failed to respond. A final correspondence was sent to XXXX XXXX and XXXX XXXX XXXX XXXX in the form of a Confirmation Letter as well as all of the previous correspondences. The law states that one must respond to a business letter when it is received in a reasonable time and if not the recipient of this letter is forced to adopt the declarations made in that letter. A negotiable instrument once presented towards the complete discharge of an obligation must be accepted and if not a notice of dishonor must be sent to the sender giving the sender an opportunity to correct their error. Ms XXXX and XXXX XXXX XXXX XXXX did not respond in regards the negotiable instrument ( s ) they received towards the complete satisfaction of the debt. By law the debt is discharged. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are in violation of many laws mainly those of the Fair Debt Collection Practices Act that oversees the conduct of debt collectors of which XXXX XXXX XXXX XXXX claims to be publicly. The entire process I have recounted is evidenced by Notary Public and under seal. The agreement reached between XXXX XXXX XXXX and the debtor on file is made under full commercial liability and witnessed not only by the aforementioned Notary Public but the United States Postal Service as well as a United States Government Official who will is named in the correspondences pertaining to this matter. If any claims that the balance on the account referenced by # XXXX is anything other than XXXX and that it is not closed please forward the email, letter, fax etc to me as this is evidence of violations to the Fair Debt Collections Practices Act and subject to fines.
06/25/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MI
  • 48103
Web
I filed CFPB complaint XXXX on or around XXXX XX/XX/2022, which pertained to a payment application/billing error. As I am recovering from XXXX, I had a family member pay on my account. That family member provided the information as requested by the representative and was given the reference number XXXX. The payment posted, but Discover alleges the were unable to collect the funds using the supplied ACH authorization. Discover claimed the returned code was because no such account existed with the information as presented by Discover to the institution. On or around the same time of filing complaint XXXX I filed a Billing Error notice with Discover. I received a response from XXXX in the Discover XXXX XXXX XXXX XXXX XXXX acknowledging receipt of complaint XXXX. On XXXX XX/XX/2022 I received an automated message requesting documentation regarding the billing error. The documentation listed the various forms of payment and what documentation was needed to assist Discover in conducting their investigation. The method by which the item was was one of the options : electronic transfer. However the requested documentation for electronic payment are as follows " if you paid by electronic means, or if a physical check was converted to an electronic check, please complete the attached form to confirm the funds were withdrawn from your account and/or provide supporting documents showing that the payment has cleared the financial institution. '' That is, Discover was/is requesting documentation that does NOT apply. Specifically they are asking for proof that the funds were debited from the authorized account. The matter as articulated both to Discover AND to the CFPB in complaint XXXX, and re-articulated here, is that there was an error when Discover presented the information to the financial services institution for debiting. Having already supplied the confirmation code provided by Discover, to Discover, in the billing error notice and CFPB complaint XXXX, I followed the instructions for other, which states " If you can not obtain the specific information above, please provide any supporting documentation that you may have to assist us in resolving your concern. '' Discover is capable of matching the confirmation number to the bank routing number and account number as presented to the financial services institution. However, the process that Discover is using to conduct their investigation is patently unfair because it presupposes that the " fault '' was on the other financial services institution or the individual making the payment. Neither of which is true. In fact, the same family member has paid on my account before during the time of which I've been ill : XXXX XXXX XXXX On XXXX XX/XX/2022 I received an automated message from Discover alleging that because I had not submitted " requested '' documentation, Discover would consider I no longer have any concerns because those concerns had been resolved. What Discover is doing is patently unfair. I have given the information and followed their instructions, yet they are now attempting to evade responsibility for conducting an actual billing error investigation claiming they " did not receive requested documentation. '' The process seems intentionally constructed to evade billing error investigations and compliance with their responsibilities under 12 CFR 1026.13, thereby meeting the definition of " unfair, deceptive, or abusive acts or practices " under 12 U.S. Code 5531.
04/24/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OH
  • 44256
Web Older American, Servicemember
My husband and I are both XXXX, at XXXX and XXXX, and have lived very frugally all our lives. now the problem : I've had a discover credit card since 2009. We travel back and forth for the winter. about 5-6 years ago fraudulent charges showed and we had to get a new card. I tried to assist with the local police then, since they figured out it was a 'steal ' probably from a gas station. We just arrived back this year on Monday, and already on Tuesday or Wednesday morning I saw a pending charge I know I hadn't made. called their fraud dept. they couldn't do anything til it was as actual charge, vs a pending one. Called back the next day and they closed the account and transferred all charges to another card ( number ) and we received those cards within 2 days. Last night I started changing our automatic payments to the new number and this morning, another fraudulent pending charge. I Called, and was told they could again transfer to a new card and another 2 days, but I decided that was ridiculous. Why do I have to spend hours each morning cuz a new pending fraud pops up. I decided to close the account entirely. They did. Now, in order to open a new discover card, I find out the benefits have changed, and now I'll be charged for cash advances I wasn't charged for on the original card. Tried to get the cancellation reversed -- -no go. Tried to expedite a new card and account expedited so I can maintain our credit score and pay all bills online AND onetime as we have done by using a credit card. When I found out the benefits had changed, it was too bad, so sad. 'they have to treat everyone the same and yada yada XXXX so Im left being charged for cash withdrawals, if I open a new credit card, because they snuck a rule change in on me. I am now looking at all credit card offers, and see that many if not all of them have similar rules and regs, so I'm not grandfathered into my previous benefit of no charge on cash advances if paid in full every month, as we've done for years. XXXX 's a XXXX XXXX XXXX vet, a XXXX XXXX XXXX XXXX for XXXX years and I have a XXXX XXXX in XXXX XXXX, but worked at mostly nonprofit agencies helping underserved and underpaid people, so never made much and don't receive a pension Puny though it seems, I liked the feeling that I was contributing a bit more to our finances by earning stupid frigging cash rewards on credit card charges. We've donated all through our careers -- well, I donated our money -- -to food banks, overseas programs to help third world countries ' residents have a chance at the golden ring. and Wham!!! This year especially was a high donation year for us because we received the stimulus money and hadn't lost anything financially as a result of the pandemic, except for total social isolation, which has been indescribably difficult for me, like so many others in the world We're fully vaccinated as of last XXXX and grateful, but I want to be re-instated to my old discover card account with the old benefits I 'earned ' because of the time I '' m used them, and too bad, so sad. It seems that once again, the big corporations get all the accommodations and WELFARE, and the little people are denigrated. I should be grandfathered into a brand new discover card account because I didn't CAUSE the fraudulent charges, I just wanted to alleviate my aggravation at possible future fraudulent charges. I'm probably made my case ad nauseam to you, but I had to get rid of this frustration some way!
03/22/2022 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't temporarily delay making payments
  • NV
  • 89012
Web
To whom it may concern for the immediate assistance and resolution Discover student loan bank reported negative information about my daughter XXXX XXXX 's credit bureau and her co-signer XXXX XXXX. Our credit score fell 100-120 points overnight. She is in the process of moving, and now we have no way of getting her housing means and rental with both, our scores fell this low. Because of the work situation and unemployment in New York, she needs to make this move to a different state than we already planned and begin the process. This is when we found out Discover student loan bank damaged our credit scores during the application for new housing when it got denied. The consequence of the Discover bank 's negative reporting makes this move now impossible. No landlord or building corp will qualify her tenancy with a XXXX XXXX XXXX and mine XXXX. My daughter 's student loans requested to be deferred because she is continuing her education. It was honored by all banks but Discover. Because of her continuing education, we didn't expect any billing from any bank as it was reported with XXXX. We had no communication with the Discover bank all these years up until now when we called them. We also did not know that Discover acquired our original loan from XXXX all these years. My daughter called withing her deferment time in early XXXX for forbiddance. They said they would do it. However, the next thing we know, they never applied it on time and let the account go negative without our knowledge due to no communication from this bank. Per Discover student loan supervisor 's confirmation, he acknowledges that hard mail has status undelivered for years since XXXX. How is it for five ( 5 ) years this bank never tried to contact the signer or co-signer when I have an excellent standing valid Discover credit card with you with them, and my address is frequently used for all the communication with Discover? Because of this, we had no idea knowing that payments were due. The Discover shouldn't report if it's not over 60 days. If the signer fails her payment, they should immediately inform the co-signer before negative reporting. It is their responsibility to let me co-signer know when the payment goes past due. I called today and spoke to their supervisor. He was supposed to make a claim with their department to look into it. However, the way he approached this conversation rudely and hung up at the end I do not have trust that he will do the right thing. They're proven to be dysfunctional customer service damaged my daughter 's and mine financial credentials and well-being. I have no idea what we will do now with her new job and living situation. We never opened originated a loan with Discover bank. I have no idea how it got from the XXXX loan to Discover. They kept my daughter and I in the dark all these years without disclosing any info about this loan that has more than doubled in 8 years. We did not know that this loan was acquired our loan all these years until XXXX. Please resolve this issue as soon as possible my daughter 's lease ends in one month, and she can end up without a place when both of our credit scores are entirely damaged. The correct online address account has been updated since the last time we called back in XX/XX/XXXX bank failed to update the address on their end. Customer service doesn't notate accounts when a customer calls and forgets promises. I have attached supporting screenshots.
04/10/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • SC
  • 29732
Web
I've held and maintained an account and a good relationship with Discover Credit Card for almost 3 years. My experience had been so good that I opened a savings account with them, and decided to close my savings account with my current bank that I've been with for over 10 years, to give Discover a try and now I am regretting my decision. I've always had an awesome relationship with this company up until recently. On last Thursday XX/XX/2020, I logged on to the app portal from my phone to change my upcoming payment date from XX/XX/XXXX to XX/XX/XXXX. That day it successfully changed my payment date. I later logged back on to check the balance of my savings account and seen that my payment date for my credit card was changed back to XX/XX/XXXX. I then placed a phone call to the customer service department on XX/XX/XXXX to advise of the issue and to not draft my payment on XX/XX/XXXX as I wouldn't have any money in my account due to the fact that I am barely working because of the COVID-19 Pandemic, that representative that I spoke with told me that he couldn't help me and that the department that I had to speak with was already gone for the day. So, on XX/XX/XXXX I called back and spoke with another gentlemen and he stated that he couldn't help me as well and that my payment wouldn't be processed until after XXXX EST. I explained to this representative that I didn't have the money and I desperately needed this payment stopped, and that I originally tried to do so through the portal, and he explained that he seen where I logged in but unsure as to why the payment date didn't stick. And, again stated that he couldn't help me. I explained that I'm a faithful customer who makes all of my payments on time, ahead of time and that I didn't want this to mess up my account with them nor with my bank where the payments were scheduled to be drafted from. Still to no avail he was no help. On XX/XX/XXXX I checked my bank account and seen that I was charged an overdraft fee of {$31.00} in which I was trying to avoid because I am in the process of purchasing a house. I, immediately called Discover and explained the situation once again to a 3rd representative and she informed that it was nothing that she could do and that the system will automatically try again, in which they did and caused me a second overdraft fee of {$31.00} with my bank. I called back and spoke with several representatives ' who couldn't help me. The last rep I spoke with on yesterday, Thursday XX/XX/2020, she assured me that she would have the call listened to and get back with me. On today, Friday XX/XX/2020 an agent by the name of XXXX XXXX contacted me, whom was rude and over talked me, stated that she listened to the call and unfortunately since I didn't call at the proper time there's nothing that she could do about it, and I explained to her that I took all necessary steps to stop the payment before coming out she still was adamant and basically blaming me. And, now I am stuck with a bad history with Discover in which I didn't want, and two overdraft fees with my bank that I can barely afford due to my working conditions. I really love my account with Discover, never had any issues, and hate to leave them, but after this experience I am wanting to pay this account off and close it. This has caused great stress to me being that I am in the process of purchasing my first home, and having a negative mark with my bank and credit card company is very stressful.
09/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • MI
  • 48390
Web Servicemember
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Dear XXXX, XX/XX/XXXX I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$4000.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I paid off this account but its still showing that I owe a balance. XXXX Telecommunications/Cellular with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. I am a victim of identity theft and I never opened this account. XXXX Telecommunications/Cellular with account # XXXX opened on XX/XX/XXXX and a balance of {$250.00}. I am a victim of identity theft and I never opened this account. DISCOVERBANK Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$700.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. Inquiry from XXXX XXXX on XX/XX/XXXX. I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry. Inquiry from XXXX on XX/XX/XXXX. I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry. Inquiry from XXXX on XX/XX/XXXX. I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry. Inquiry from XXXX XXXX on XX/XX/XXXX. I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry. Inquiry from XXXX on XX/XX/XXXX. I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry. Inquiry from XXXX XXXX on XX/XX/XXXX. I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry. Inquiry from XXXX XXXX on XX/XX/XXXX. I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry. Inquiry from XXXX XXXX on XX/XX/XXXX. I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry. Inquiry from XXXX on XX/XX/XXXX. I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. Sincerely, XXXX XXXX
07/28/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33196
Web
My name is XXXX : XXXX XXXX XXXX agent and representative for principal XXXX XXXX, a federally protected consumer, holder in due course and attorney in fact. I am making this complaint against XXXX XXXX XXXX, XXXX. for engaging in abusive deceptive and unfair debt collection practices. XXXX XXXX XXXX, XXXX. was sent to engage in these unlawful extortionate means to collect on an extension of credit by Discover Bank. Discover Bank has violated my right to privacy by disclosing my nonpublic personal information to an unauthorized third party without my lawful consent. Discover Bank infringed my right to privacy and compromised the security and confidentiality of my nonpublic personal information on multiple occurrences with forethought and malice as a means of bringing substantial harm to me and my financial reputation. I would like to know whats the status if this account and if a 1099-C was filed for this account. Also note that if your company has filled out a 1099-C form and its continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies, or pursuing litigation, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. I would also like to know if either Chief Executive Officer XXXX XXXX XXXX or Chief Financial OfficeXXXX XXXX XXXX XXXX will be present for this court case to speak on behalf of the racketeering activity that is being committed by Discover Bank. I am aware that XXXX XXXX XXXX, XXXX. is an unauthorized third party in this matter. I never contracted with XXXX XXXX XXXX, XXXX. and they have no lawful authority to be in possession of my identifying information. I also want to make clear that XXXX XXXX XXXX, XXXX. has no actual first-hand knowledge of the matter at hand and are strictly acting off hearsay. I have reason to believe that XXXX XXXX XXXX, XXXX. is not in possession of any substantiating evidence to lay claim to this alleged debt that they are attempting to collect using unlawful extortionate means. If Discover Bank can provide me with proof of claim for this alleged debt, such as the original instrument of indebtedness in its original form and the accounting for credit account ending in XXXX, Id gladly make arrangements to settle this account in full. I am aware that billing Statements/proof of address are not proof of claim. If Discover Bank refuses to produce any documentary evidence as defined under 15 U.S. Code 44, I will thereafter consider this matter between us to have been legally and financial settled. Upon the refusal to produce this documentary evidence I am also demanding that all fraudulently reported negative information is deleted and updated to paid as agreed from all credit reporting agencies immediately to prevent further harm to my financial reputation. If the requested information is not provided and XXXX XXXX XXXX, XXXX. continues their unlawful collection efforts, XXXX XXXX XXXX, XXXX. shall be held criminally liable for aggravated identity theft and violating 18 U.S. Code 894 for using unlawful extortionate means in the collection of an extension of credit. I would also need the name and address of XXXX XXXX XXXX, XXXX. binding agent in case a suit needs to be filed in Federal Court for these abusive, deceptive, and unfair debt collection practices.
06/08/2015 Yes
  • Credit card
  • Payoff process
  • ME
  • 04240
Web
I have a credit card account with Discover Card. During the past year, I have been unable to pay my minimum balances and the debt has been in danger of charging off. I was finally able to afford to start a payment program with Discover in XXXX, 2015, and began a five-year plan to pay off the debt with regular payments for {$97.00} to come out of my checking account on the XXXX of every month. On XXXX XXXX, I received several calls from Discover ( there had been no prior calls from them in XX/XX/XXXX ). I returned their calls on XX/XX/XXXX and was told that my payment for XX/XX/XXXX had been rejected by the bank. When I talked with the Discover representative on XXXX XXXX, I was told that there was no clear reason for the payment to have been returned, but when the representative manually forced the payment through during the phone call, it went through and the payment was successfully made. However, I was told that since I was at the beginning of a new payment program in which all the payments had to be made on time and that this payment was late, I would need to give Discover another payment of {$97.00} by XX/XX/XXXX to keep the debt from charging off. I did not have an additional {$97.00} to make an additional payment to Discover for XX/XX/XXXX. I explained this to the supervisor, and also expressed dismay at the situation, since it was not my fault ( I had set up the payments properly and had money in the account ). The supervisor said that I had to make the payment or the account would charge off on XXXX XXXX. On XXXX XXXX, I visited my bank and talked with a bank manager. She looked over the account information and confirmed that there were sufficient funds in the account to pay the {$97.00} on XXXX XXXX and that no issues or problems were showing up on the account. On XXXX XXXX, I called Discover back and talked with another representative, and after I explained the issue and was told that there was nothing he could do, and he transferred me to his supervisor, XXXX XXXX. I offered XXXX XXXX the number and name of the XXXX XXXX manager and reiterated that this was not my fault, that I had money in the account and the payments set up and that I had responded to Discover as soon as they had called me. She said that there was nothing she could do. I would have to pay an additional {$97.00} by the XX/XX/XXXX, or the account would charge off on XXXX XXXX. I was unable to provide the additional {$97.00}, and Discover Card has since charged off the debt. I have been very frustrated in general with talking with Discover representatives, and it was a great relief to me to finally have a payment plan set up so that I would n't have to talk to them anymore. I am beyond frustrated that for a glitch that has nothing to do with me, and because I do not have another {$97.00}, that now I will not only have a debt charged off, and all of the fallout from that, but that I now will have to deal with continuous calls from the collections department again. I have been in tears more than once dealing with Discover representatives. It is not just every call that I am asked why I do not have money, but several times within a phone call, in circular conversations that seem to go nowhere. I 've had some bad luck this past year and made some poor choices, and I know that I owe Discover money, but that does not mean that they get to repeatedly ask me to drag out the embarrassing details of my life over and over again.
09/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30310
Web
I, the consumer, natural person, and original creditor, entered into a consumer credit transaction with Discovery with my open-ended credit plan. Discovery alleged that I have an alleged unpaid obligation to them and then charged off and closed the credit account. There is no law underlie the Truth in Lending ( TILA ) or Fair Credit Reporting Act ( FCRA ) that states anything about late payments in connection to an open-ended credit plan. According to Federal law false and misleading information, such as billing amounts that are wrong constitutes Federal violation. I submitted a dispute with XXXX, XXXX, and XXXX to correct incorrect information on my consumer report regarding this charge off that also has a balance. An account can not have a balance if it is charged off. After completion of the dispute, the information is still inaccurate and a violation of the law and needs to be removed. Listed are some facts about what banks can do : - 12 USC 1431 Powers and duties of banks - banks can only borrow money, accept deposits and purchase securities. Nowhere does it state banks extend credit or loan money. - 15 USC 1692a ( 5 ) - The definition of the term debt is an alleged obligation to pay - 18 USC 8- The term obligation or other security of The United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United Statesnotes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of theUnited States, stamps and other representatives of value, of whatever denomination, issued under any Act ofCongress meaning the United States assumes all obligations. - 12 USC 1435 - Obligations are lawful investments and securities Furthermore, 15 USC 1602 states an account can not be closed without the original creditor 's written consent. As stated above, all obligations are the responsibility of the United States, yet Discovery is attempting to collect on an alleged debt while also harming my creditability and reputation on my consumer report which is a violation of 15 USC 1692d ( 1 ). They have continued to report this alleged debt as a charge off on my consumer report over the last year with no proof of validation. ( See Exhibit A and B ). Furthermore, listed below are additional violations by Discovery and credit reporting agencies : - 15 USC 1681b - I did not give Discovery or any credit reporting agency approval to report on me- 15 USC 1692 ( e ) - 15 USC 1692b ( 2 ) - Discover has sent numerous statements stating I owe a debt - 15 USC 1692b ( 3 ) - Discover can not communicate without my consent - 15 USC 1692e ( 9 ) - Discover stated they are the original creditor which is false as banks can not extend credit - 15 USC 1692e ( 2 ) ( A ) - false representation of debt allegedly owed - 15 USC 1692e ( 10 ) - false and deceptive means to collect a debt - 15 USC 1692d ( 1 ) - my reputation and creditworthiness has been attacked because of an alleged debt - 15 USC 1692f - unfair practices attempting to collect a debt - 15 USC 1681a ( e ) - every credit reporting agency had to do an investigative consumer report upon dispute which includes interviewing family and friends. None of this was done. I am requesting all debt collectors and credit reporting agencies to promptly remove all alleged, indirect, and unverified debt.
11/04/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 34711
Web
DISCOVER BANK has committed Securities FRAUD against XXXX XXXX. I have never invested in DISCOVER BANK or consent to pay this company. DISCOVER BANK has take out securities out in my name with out my knowledge or consent. DISCOVER BANK has committed 18 U.S.C. 1348 securities fraud is the unlawful practice of using manipulative or deceptive tactics to purchase or sell a security. Fraud is a commonly prosecuted federal crime in the United States and securities fraud charges. DISCOVER BANK has taking {$250000.00} per transaction from FDIC Insurance policy that I did not content to and need to return all funds that belong to XXXX XXXX. I, XXXX XXXX revoke all securities interest that DISCOVER BANK has taking. Please use the GAAP accountant system for my refund of my funds. ALL ACCOUNTS ARE PREPAID Senate document NO.43, 73rd Congress The ownership of all property is in the State, Individuals, so-called ownership is only by virtue of the government, i.e., law, announcing to mere user and use must be in accordance with the law, and sub-ordinate to the necessities of the state. Congressional Record, March 9th, 1933, on HR1491, pg. 83 Under the new law, the money is issued to the banks in return for government obligations, bill-of exchange, drafts, notes trade acceptance, and bankers acceptance. The money will be worth XXXX cents on the dollar because it is backed by the credit of the nation. It will represent a mortgage on all the homes and other property of the people of the nation. Title 18 8 Obligation or other securities of the United States defined : The term Obligations or other security of the United States includes all bonds, certificate of indebtedness, national bank currency , Federal Reserve notes, coupons United State notes, Treasury notes, gold certificate, silver certificate, fractional notes, certificate of deposit, bills, checks, or draft for money drawn by or upon authorized officers of the United States, stamps and other representatives of value of whatever deamination, issued under any Act of Congress, and canceled United States stamps. FRNs are obligations of United States HJR 192 : The term obligation means Federal Reserve notes and circulating notes of the Federal Reserve banks and national banking associations. Title 31 3123 makes a statutory pledge of the United States government to payment of obligations and interest on the public debt. Title 31 3123 Payment of obligation and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principles and interest on the obligation of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt, As the Secretary considers expedient, the Secretary may Pay in advance interest of the public debt by a period of not more the one year, with or without a rebate of interest on the coupons. Therefore, the government pledges to pay government obligations which Federal Reserve notes are and pay them in FRNs which is legal tender. Taxes and all bills associate with corporations are all government obligations which they must pay when we accept them for value and return them to the government that has an obligation to settle the debt dollar for dollar. It is a fact : Title 31 3130 further delineates in its definitions a portion of the total public debt, which is held by the public as the Net public debt, 3130. Annual Public Debt Report
10/22/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • MD
  • 20740
Web
Hello, I'm XXXX XXXX. In the fall of XXXX due to major medical XXXX resulting in medical bills and also job loss, i had to file chapter XXXX bankruptcy which XXXX all of my debts. I needed to re-build my credit profile by getting a secured credit card. I had a very small secure DiscoverIT card and that account was eventually closed ( this was XXXX XXXX of XXXX ). Now i need to continue to re-build my credit profile in order to get ready to purchase my first home. My income has increased and i'm now in a much better financial place where i can responsibly manage a credit card. Yesterday evening, i used the Discover pre-approval too, which told me that i was pre-approved for their " SECURED DiscoverIT '' credit card. The problem is that once i filled out the official application online a few minutes later, i was then DENIED ( present day is XX/XX/XXXX ). Enough time has passed to re-open an account and become a discover customer. They pride themselves on having a credit card for " everyone '' and they really don't. Please fix this. It will prevent me from purchasing my first home in the future. This issue is also preventing me from applying for secured credit cards with other major banks as well, i keep getting denied because of the discover account. The account was closed and i do not owe them anything, they refunded my {$300.00} security deposit. The problem is : 1. It's a secured credit card, so there is no risk and my financial situation has improved dramatically. I would be using my own funds as the credit line. 2. How do they expect people to " re-build '' their credit if we can't get the opportunity to start over and build good credit history using a secured credit card? It's counter intuitive. 3. Now, this will result in a negative hard inquiry on my credit report which of course lowers my score some more. What i need from CFPB as a resolution is this : Get Discover to re-consider and APPROVE me for a " secured '' credit card using my own funds. i am not asking for an unsecured card, just a secured card to be able to start over. Then i need you to reach out to the three major credit bureaus ' ( XXXX, XXXX, and XXXX ) and ask them to remove all of the negative inquiries on my credit report so that my credit score increases. I believe this also affects my XXXX score, which prevents me from opening secured cards elsewhere and it also prevents me from opening a standard bank account. So please reach out to XXXX as well, and make sure that is resolved and in good standing. That one minor {$300.00} secured credit card makes up an entire 35 % of my credit score, so it is literally bringing my score down. I also contacted Discover myself and they refused to help me or appeal their decision. They wouldn't even look into the matter. That's why i'm asking CFPB to step in. Please contact me Asap! Details : Discover Account ending in # XXXX My SSN : XXXX Name : XXXX XXXX XXXX DOB : XX/XX/XXXX Phone : XXXX email : XXXX Current Mailing Address for correspondence from CFPB : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MD XXXX XXXX contact Info : Payment address : Discover Financial Services XXXX. XXXX XXXX XXXX XXXX, IL XXXX Discover Customer Service : Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Discover phone number : XXXX XXXX XXXX XXXX XXXX ( please contact them also ) Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Phone : XXXX v/r, XXXX XXXX
03/22/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • ID
  • 83835
Web
XXXX Complaint ID : XXXX NO RESOLUTION : From XX/XX/XXXX to date. Cash back rewards credit card with credit protection upon sign-up. Zilch credit protection offered or COVID RELIEF. I inquired numerous times. Discover has not tried to resolve the issue. By no means is this account delinquent, nor has it been, according to Discover. I am continually harassed by Discover skip tracers, even though, at the moment, I am houseless. I've offered a current mailing address. Discover obtained private current and obsolete information without my consent! The last Discover agent I spoke with, XXXX, called me on XXXX from a verified Discover phone number of ( XXXX ) XXXX at XXXXXXXX XXXX and admitted she was a skip tracer or conducting skip tracing services. Discover has largely ignored my in-app chat messages. My credit accounts, except Discover, extended COVID relief and are credit protected. I would not have opened a Discover credit limit account had I known credit protection was not an option. Card ending in # XXXX. CARD FROZEN. Since when has it become legal to treat Americans like criminals because they are houseless?! I've had the virus twice and have offered to provide proof to Discover. I requested to speak to a supervisor on several occasions. Email response to XXXXXXXX XXXX Executive Office of Customer Advocacy, who acknowledged my complaint but offered no resolution. This email response is virtually identical in meaning to the Discover XXXX complaint response. There was virtually almost no effort applied to my complaint. I have attached Discover 's XXXX complaint response which was responded to after I called " XXXX XXXX, Executive Office of Customer Advocacy '' which advocated nothing! Dear XXXX XXXX, When we spoke over the phone today, you explained this matter is closed, but according to the XXXX XXXX XXXX, Discover has not answered my complaint submitted on XX/XX/XXXX at XXXXXXXX XXXX. Complaint ID XXXX. UPDATED : The complaint was answered AFTER our phone conversation. You offered no resolution over the phone today nor in the XXXX complaint response which is identical to your email sent to me on Friday, XX/XX/XXXX. Let me remind you and Discover I am undergoing financial hardship! XXXX ) The Discover card credit assistance programs within my account online loggs me in and out of my account each time I click any link within this page. Once I log back into my account, the information provided offers few support options and no programs for which I qualify despite my financial hardship. XXXX XXXX XXXXXXXX? XXXX & XXXXXXXX XXXX XXXX XXXX ) I called Discover " Help with Credit Problems '' at XXXX and spoke to " XXXX XXXX, '' who told me I reached the credit operations department. XXXX promptly forwarded me to the hardship department, which was the " pre-delinquency '' department -which also offered no support whatsoever! XXXX ) After much research and several attempts to request assistance under the Discover financial hardship programs page, not one program offered assistance. Also, you explained your department is the highest level of executive support available to me. Therefore, at this time, I request you forward this message to your immediate supervisor, AND I REQUEST PROOF OF SUCH. If Discover can not offer me financial hardship assistance or credit protection as promised, I suggest Discover tells me such and cease misleading me and the American public! Sincerely, XXXX XXXX
08/07/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • XXXXX
Web
Received notice from CFPB that Discover Bank " COMPANY 'S INTERIM RESPONSE We are currently investigating the consumer 's concern, and additional time is needed. Upon completion of the investigation, a detailed response will be uploaded to the CFPB portal and sent to the consumer. '' This has been going on since XX/XX/2020 ...! I have been ignored, talked down to and basically cut off from MY MONEY! They have ZERO AUTHORITY to continue to hold my account hostage. I have also opened a CRIMINAL Investigation against Discover Bank with the IRS and Department of the Treasury, of which has gotten traction this week. Seems I am NOT the only one they have locked out of their account. Either way - I have provided my ID and supporting documentation to them SEVERAL TIMES. All of which they either ignore or blatantly lie about never receiving. Seeing as I have sent the documentation through the CFPB 's site, and they are responding and closing my complaints, they are obviously receiving the documents that I sent in. This has gone on long enough! I WANT MY MONEY - I HAVE PROVEN WHO I AM, AND THAT THE IRS REFUND CHECK I DEPOSITED IS MINE AND MINE ALONE. I am tired of waiting for them to " get around '' to addressing this issue - I am also speaking with attorney to seek punitive damages for this issue and it will cost more than the $ XXXX they are holding, alot more. Public opinion is also on my side, as I have a blog, which every letter, email, RECORDED phone calls and responses from IRS/DoT, has been received. I am not playing any further. Period. You have received all but DNA from me, and even then you would not get it - Emails to " Executive Office of Discover Financial Services XXXX '' being FULLY IGNORED. Documents for verification have been attached, as well as original complaint. DISCOVER BANK HAS NO INTEREST IN RESOLVING THIS, THEY ARE FRAUDULANTLY HOLDING MY MONEY - EVEN WHEN I HAVE ATTACHED : 1. California Drivers License 2. Copy of 2 first pages of my Tax Return ( Slightly redacted ) 3. Copy of XXXX XXXX XXXX, showing amount of my refund - same as check You responded to my complaint ( s ) on CFPB, however have ignored all of my emails since your first on XX/XX/XXXX. " On XX/XX/2020, you were advised that any valid funds would be released to you after 60 days ; however, based upon further review of the account, we have been unable to release the funds. In order for us to lift the suspension of your account, further verification is needed. '' I sent in my XXXX when the account was opened. This is my IRS REFUND Check you are messing with. There is NO further verification needed, since : 1. I submitted my XXXX upon account opening 2. I am not sending in any further documentation, short of maybe a page from my Tax Return - and that will show ONLY my name, address and refund amount - You will get NOTHING further. BLATANTLY IGNORING ME - SENDING AND HAVE RECEIVED 2 POSTAL LETTERS, CONDESENDING AND INSULTING - TELLING ME WHAT YOUR DOING WITH MY MONEY - CFPB IS NOT DOING ANYTHING TO HELP ... HOWEVER, I HAVE FILED WITH SUPERIOR COURT, AND SHOULD BE SEEING THIS ON CALENDAR WITHIN A FEW MONTHS. WHILE, I KNOW I DON'T HAVE AN ARMY OF LAWYERS - SOCIAL MEDIA WILL TAKE CARE OF THAT, AND SINCE YOU DID WRONG NOT ME - I AM LOOKING FORWARD TO FINALLY COLLECTING MY TAX RETURN, AND OVER 65 % ADDITIONAL FOR SUFFERING AND PUNITIVE DAMAGES. I WANT MY MONEY - NOT IN A CHECK - I WANT TO KNOW WHY YOU ARE IGNORING ME -
03/02/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 75052
Web
I ordered chocolates for my XXXX old Father from XXXX XXXX in XXXX XXXX Texas on XX/XX/22. The order was fulfilled and the merchant sent a confirmation email showing the package to be delivered on XX/XX/22. At XXXXXXXX XXXX/ XXXX XXXX ( my time ) a delivery notification was sent detailing XXXX had delivered the package to my father 's house. I called my father to ask him if he received the package off the porch. He advised he was sitting in the living room which is adjacent to the front door and porch, where the notice stated the package was delivered. My XXXX year old father who is still a Sheriff immediately retrieved his coat and boots, as this was the coldest day of the years netting almost a wind chill factor of -11 degrees and 6 inches of snow. He walked up and down the street to see if it was on his neighbor 's porch, and confirmed via his cameras XXXX was nowhere near his home. He did not receive the package. I immediately contacted XXXX and they had ever mechanism to avoid speaking to customer during the holiday season. I was finally able to get them on the line and they told me that due to high call volume, they created a case and someone will call me in 4 hours. No call and after multiple calls for over a week, they advised i was a third party and the merchant would need to create a dispute to request a refund. Multiple attempts to contact XXXX XXXX XXXX XXXX and they have NEVER answered the phone, nor responded to my voice messages on both numbers listed. I contacted XXXX, as i use XXXX to house my credit cards and for this purchase Discover Bank was charged. I was advised to contact Discover Bank to open a dispute from XXXX. Discover Bank and I have been going back and forth, they took the funds back pending the merchants response, then they added it back on pending my response, to the final decision is they've sided with the merchant. Sadly, on a normal day i would not be this passionate over {$69.00}, but when i think of the massive amount of money i spend ordering online, im feeling unprotected at this point. XXXX and Discover should be held accountable with these fraudulent protection guarantees they proclaim. In the end, this set the wrong standard that is allowing essentially XXXX to hire thieves to work for them and no one is held accountable. In my dispute, I never stated I did not receive notification the package would be delivered, nor did i think it was never shipped. I figured the XXXX XXXX XXXX XXXX would have a better customer service model that would have connected with the customer so that we could have fought this through XXXX. They are a victim just like me and my and my father, but they are the only ones who can pursue this request. I can not go any further than XXXX and Discover and they are both let downs, whom i will be cancelling my accounts following this situation as this is terrible service. Something has to be done as i cringe thinking i just purchased {$1300.00} shoes in XXXX XXXX and the store is shipping them to my home. I did not ship them, which makes me the third party so to think if the XXXX or XXXX don't deliver them is the the correct expectation Discover should set. Well XXXX said they sent them, so were siding with them and now I'm out of my {$1300.00}. That is insane and I refuse to think in this heavily ecommerce world this is the gold standard. And to see my dad walking out in that cold looking for his package has me infuriated.
10/25/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • IL
  • 60060
Web
On XX/XX/XXXX, a 3rd party made a payment of {$3000.00} to my Discover account. I called Discover on XX/XX/XXXX at XXXX to confirm how long it would take for this money to post to my account, the associate from Discover informed me that when a payment is made on an account, the funds become available immediately, as Discover credits your account with the money, however it does not actually post to the account until 8 business days later. I called Discover again on XX/XX/XXXX at XXXX and confirmed with an associate that the {$3000.00} was indeed posted/cleared to my account and available for spending. Yesterday, XX/XX/2022, I opened my Discover account to see that the {$3000.00} had been marked as a " Returned Phone Payment '', and dated XX/XX/2022, which resulted in my account being in the negatives and stating that the amount I now owe to them is {$3700.00}. My previous balance before this was {$730.00}. I called Discover on XX/XX/2022 for an explanation as to why and when this returned payment took place, the representative stated that the payment was returned on XX/XX/2022, and the reason given was due to it being an " unauthorized transaction '', even though when I review my statement it says the returned phone payment occurred on XX/XX/2022. I explained to her the steps I took before spending any funds on my account, which included calling Discover and speaking with someone who confirmed that these funds were indeed available for spending. I have not received any communication via email, telephone, or mail informing me of any issues regarding this payment being unauthorized, and after speaking with a Discover associate that informed me on XX/XX/XXXX that the funds were in my account and available for spending, I had no other reason to believe that there would be an issue with this payment. Also after being told by Discover that the window of time for a payment to post on your account is 8 business days, now I am being told that it can take longer in special circumstances. I asked her to reference this call that I had on XX/XX/2022 that I mentioned above, however I was transferred to her supervisor and not provided any assistance with resolving my issue. I spoke with the Customer Payment Verification department and he states that this is an odd circumstance and the only way for the funds to be replaced is by the account that it came from. After receiving little to no help, I reviewed my cardholder agreement which states " If a third party makes a payment on your Account and we return all or a part of such payment, then we may adjust your Account for any amount returned. We reserve the right to defend ourselves against any demand to return funds we have received, and may agree to a compromise of the demanded amount as part of a settlement. '' I called Discover again on XX/XX/2022 and spoke with the supervisor of the customer verification department. After explaining my concern to the supervisor regarding the policy from their cardholder agreement ( referenced above ), the window of time I was given from Discover for when a payment has officially been cleared in my account, and the lack of communication on Discover 's behalf to me as a consumer, I was told that the only way to resolve this issue is through the third party and Discover can not assist. I have never spoken with the 3rd party 's bank account that submitted this payment of {$3000.00}, only Discover had communication with them.
10/06/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • NV
  • 89141
Web
I applied for a Discover personal loan on or around XX/XX/2022, after repeatedly receiving communications from Discover encouraging me to do so. Based on my XXXX XXXX, income and other factors, I was offered a $ XXXX loan after submitting an online application. Considering a relatively high interest rate offered, I realized that I do not need the full amount, and called Discover to adjust it down to $ XXXX. Shortly after, I received a message stating that there are some outstanding steps to complete in the online application before the loan is finalized. After logging in to the online application as prompted, I saw 2 outstanding steps : 1 ) Income verification, stating that I should call the XXXX number to do that ; 2 ) Submitting 3 most recent statements from my most used checking account. Accordingly, I submitted the statements and called Discover for income verification. I was told that Discover does not need anything else from me, and that they are just reviewing my statements ( even though the online application suggested otherwise ). I called a couple of days later, and received the same response. A couple of days later, I received a message from Discover declining the loan, with the reason stated as insufficient ability to repay. Subsequently, I called Discover on XXXX to explain that it was simply impossible to use the provided statements for gauging my ability to repay because it is impossible to get a complete picture of my income from them. The representative was unhelpful, and although she agreed that the income verification process was deeply flawed, she stated that there is no review option available. Further, she cryptically stated that there were a couple more things, implying that the stated reason in the declination message was not reflective of the actual reasons, which presents a major regulatory concern, as the regulations do not allow incomplete or misleading stated reasons for declining credit. Substantively, it appears that Discover deviated from their own process of evaluating loan applications ( as outlined in the online application ), skipping income verification as a separate step and relying on the checking statements instead. This is a deeply flawed approach for a multitude of reasons : 1 ) It implies that the payroll is deposited to a single checking account, which is not the case ; 2 ) It does not accurately capture income that is deposited less frequently than quarterly ( e.g. : Annual bonuses ) ; 3 ) It does not capture investment income ( unless the proceeds are transferred from the brokerage to the checking account ) ; 4 ) It implicitly treats contributions to 401K, FSA and other accounts contributed to by payroll deductions as expenses when in fact they are income that has zero visibility in checking statements ; 5 ) It fails to account for any employer contributions to such accounts ; 6 ) It fails to account for any changes of income that are certain in the future ( e.g. : Additional bonuses announced by the company, announced pay raises, etc ). Discovers failure to recognize these factors and at a very least, request my comments, led to an incorrect assessment of my income, resulting in a baseless decision to decline my loan application. Discovers refusal to review their decision in light of numerous deficiencies outlined above ( as well as claiming some other hidden reasons for that ) is appalling and raises a spectrum of compliance concerns.
11/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 16803
Web
I opened dispute on XX/XX/2022 for a failure transaction and I provided sufficient documentation showing I already paid the transaction with another way ( through XXXX XXXX and the XXXX transaction ( {$3000.00} ) was a failure and I just quickly disputed from discover credit profit and let both XXXX and discover know about it. From the day I opened this dispute case before it become closed and till now, I communicated with several agents from both discover and XXXX which is disappointing, XXXX refer me to Discover and Discover refer me to XXXX like an infinite loop without any results and both sides are not taking responsibility to secure my money. XXXX on XX/XX/XXXX deducted the money {$3000.00} from merchant but never recalled to my credit account. Yesterday XX/XX/2022, I communicated with the supervisor of XXXX. He said because the dispute is opened out of XXXX we cant secure your money and now the decision is made by financial institute that the transaction is valid we can not refund the money to your account and you can not even open a dispute from our side now since you already opened a dispute from discover and they make final decisions that is valid and said we cant do anything for you. XXXX supervisor said : " You should directly reach out to merchant or go to court for this case. '' I have a big complaint from discover for the investigation decision that could not secure my money after more than three months and waste a lot of my time, energy and at the end is not compensating for this case. If the dispute is not functioning for the transaction is made by XXXX, why discover provide this option for customer to waste time and energy and at the end the money of customer will be unsecured? If the dispute option will work for this case why customer should communicate with merchant to provide a letter that guarantees the money will back to account? What if the merchant is scam or fraud and the customer does not have access to merchant for communication? I already uploaded the documentation showing I did the transaction in another way and several agents of discover that I talked with them told me it seems good enough for this case. I cant trust if any other problems happen and I need to dispute the transaction, the discover will able to secure my money and I expect discover compensate this frustrating situation for me. My credit score dropped XXXX because of this dispute case, and my history shows I NEVER had a missed balance and I had " very good '' score. XXXX XXXX XXXX XXXX and I spent a lot of time that I should put on my research on this dispute case and spent a lot of energy for communicating between XXXX and discover which seems there is a fight between them that I am a victim of this fight. If I should at the end go to the court or should communicate with merchant to refund my money directly to my credit, then what is the purpose of dispute and why after more than three months discover provided me this solution that the transaction is valid and resolved and if uploading a letter showing merchant will refund money we will accept since I already uploaded emails from merchant showing the money is deducted from their account by XXXX and XXXX was responsible to refund it but discover did nothing and just resolved the case and pit this burden on my side to resolve it. I cant accept the results of discover investigation and the decision they make and even their solution.
10/17/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • VA
  • 23832
Web
RE : XXXX XXXX XXXX/ XX/XX/XXXX / XXXX. i, the consumer, XXXX XXXX XXXX, applied for a Discover credit card on XX/XX/XXXX, and was denied. Regardless of the reason given for being denied, as a consumer, i have the right to my own credit without hesitation or limitation. Denying my consumer access to their credit is not only discrimination, but also appears to be a securities scheme and artifice, false advertising, false and deceptive trade practices, sabotage, a mockery of honest services, and several ethics violations. Discover is registered with the Secretary of State, thus is subject to adhering to Corporate Governance Laws and Regulations, Federal Rules and Civil Procedures, the U.S. Securities and Exchange Commission, the Federal Trade Commission, the Financial Crimes Enforcement Network, the Federal Bureau of Investigation, the Internal Revenue Service, all applicable United States Codes and Statues at Large of the United States Corporation 28 USC 3002 ( 15 ). The United States Corporation underwent bankruptcy ( 3rd ) in 1933 and decided to pledge/mortgage all the property and future labor of the people in order to participate in international trade and commerce . That property includes the Social Security NumbeXXXX, the name, and the date of birth i currently use as a conduit to assist the bankrupt corporation while maintaining an equitable interest. An insurance policy for the assurance policy they have for my XXXX. Therefore, as evidenced by the publicly probated stock certificate of interest ( # XXXX ) ( lest Congress would be tried for treason ), i am an undisclosed beneficial interest holder in all assets of the United States and that includes every business that is registered with the Secretary of State. Discover also appears to be in violation of the Equal Credit Opportunity Act, the Consumer Credit Protection Act, as well as : 15 U.S. Code 1681 ( b ) Reasonable Procedures ( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. ) and 18 U.S. Code 1951 - The Hobbs Act ( June 25, 1948, ch. 645, 62 Stat. 793 ; Pub. L. 103322, title XXXIII, 330016 ( 1 ) ( L ), Sept. 13, 1994, 108 Stat. 2147. ) Since Discover has expressly denied me my own creditworthiness due to its own elusive definition and explanation of who the original issuer of all source value credit is, as well as no institution being able to lend or extend credit per Volume 77 of the 73rd Congressional Session, specifically pages XXXX, XXXX, XXXX, XXXX, and XXXX, i behest Discover to retract, return, and refund my over-the-counter security created by my application of credit, pursuant to Federal Rules and Civil Procedures 1002, to ensure Discover is remaining in honor and not collecting unauthorized dividends on a fraudulent security that Discover deemed not credit worthy. This also appears to be a tortious interference with contractual relations, violating 18 U.S. Code 1951 - Interference with commerce by threats or violence ( June 25, 1948, ch. 645, 62 Stat. 793 ; Pub. L. 103322, title XXXIII, 330016 ( 1 ) ( L ), Sept. 13, 1994, 108 Stat. 2147. ) as well as a breach of contract. Discover made an offer, making them the debtor, i, the consumer accepted the offer, making me the creditor, and returned it with consideration and value ( my personal private property ) allowing Discover to benefit while i have yet to receive any performance of their offer due to a denial.
06/15/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MD
  • 21045
Web
On XX/XX/XXXX, I took my XXXX XXXX XXXX XXXX in for repairs and explained in great detail on the concerns I was having with my vehicle, after leaving the car at the shop they deemed the transmission was bad and needed to be completely replaced. That was greater than what I initially suspected to be the issue, however I trusted the word of the mechanic as when we was explaining to me some of the symptoms I was most likely experiencing they all echoed what I had previously described to him. I provided them the green-light to move forward with the repairs as this was my primary means of transportation and had no options. The work was completed on XX/XX/XXXX and I picked up my vehicle up on that date as quickly as I received the phone call as I was borrowing a co-workers car. While on my drive home, I began to notice the exact same issues. I returned to the shop and they tested the car and said that I now needed to get a tune up, feeling that I had no options, I agreed to have them perform the work. After a few more days, I received a call to pick up the car, surprising the same issues were still very apparent. When speaking to them, they agreed I would still experience the same issues and that I would need to drive it for a few days and the issues would resolve on their own, not completely agreeing with that approach, I decided to do just that. After a week of continuous contact with the shop, I took some time off of work to take the car back to the shop. At this point, they stated that the transmission went bad and needed to be replaced, to say the least I was shock but again limited with options. I told them that I understand that things like these are out of their control at times but to try to help me resolve this so that I didnt have to take any additional days off from work. They told me to continue to drive the car as there would not be any harm and they would order a new transmission and call me in a few days once it arrives. I never heard back from the shop and after multiple attempts to call and speak to the mechanic were unsuccessful, I decided to drive up there. Upon arrival I asked to speak to the mechanic, and although I could see him in the shop, was told he was unavailable, so I asked to speak with another mechanic or the shop manager to get a status on my transmission and was told that no one was available and that there was nothing more they could do for me at their shop and in short asked to leave. I was shocked and sat in my car for a little while trying to understand why someone would do such a thing and take advantage of someone in this manner. I gathered all my information and shared it with the team at Discover and opened a dispute. Discover advised me that I had signed the receipt acknowledging for the work to be done, that is correct, however my signature was for the serviced to be performed as decided, for which they were not. I took it upon myself to take my vehicle to another shop and they deemed that the transmission was truly bad, however that it had NEVER been replaced. They provided me with documentation to support their findings and I provided that to Discover to support my dispute. Discover provided me with the same response of the signed agreement and I didnt feel that I could provide any evidence to have them take any additional time to review. Disputed Charges : XXXX XXXX XXXX XXXX XXXX : {$1500.00} XXXX XXXX/XXXX-XXXX : {$400.00}
07/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33634
Web
My name is XXXX XXXX, I am writing this on my own behalf, and there is no third party involved. I am writing in regards to inaccuracies that Discover is reporting to the credit reporting agencies and this action XXXX constitute fraud under both XXXX and XXXX Laws. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic personal information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Act, has been violated. On my report, there is an account under Discover Bank opened on XX/XX/XXXX ending in XXXX. Discover is knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. I am aware that nothing under the Fair Credit Reporting Act ( FCRA ) requires a financial institution to furnish negative or inaccurate information to a consumer reporting agency. Discover, along with the help of the Consumer Reporting Agencies are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for the nonpayment thereof. This is a violation of 18 USC 1028A and 18 USC 894 and everyone involved shall be held criminally liable for engaging in racketeering activity. XXXX is reporting the account as 60 days overdue in XXXX of XXXX, while XXXX is reporting the account as 30 days overdue in the same month. In addition to the inaccurate dates of late payment history. XXXX is reporting that the Worst Delinquency status is 120+ days past due while XXXX is reporting the status as a Charge Off. It is clear that the reporting agencies do not hold the documentary material of indebtedness, which is leading to inaccurate reporting to my consumer report. Furthermore, XXXX is reporting the account with a Payment Status of Charge off, while XXXX is reporting as Unpaid balance reported as a loss by credit grantor. If Discover is reporting this account as Charge Off to the consumer reporting agencies ( XXXX, XXXX, XXXX ), then it may not be on my consumer report. I am aware that according to the IRS, a charge off becomes gross or ordinary income. Income is not to be reported on consumer reports. The definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ). Pursuant to 26 U.S. Code 61 ( a ) ( 11 ) - Gross income defined Except as otherwise provided in this subtitle, gross income means all income from whatever source derived, including ( but not limited to ) the following items : Income from discharge of indebtedness. If Discover has filled out a 1099-C form and is continuing any kind of collection activity as defined under 31 USC 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, they are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. The continued reporting of this inaccurate information is a clear violation of 15 USC 1681s-2 and the responsibilities as furnishers of information & 15 USC 1681e ( b )
02/07/2021 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Problem with customer service
  • MD
  • 21403
Web
This is in regards to a student loan with Discover Bank. In XXXX, my co-signer filed chapter XXXX bankruptcy, putting this loan in default. I contacted Discover and learned how I could continue to make on time payments on the loan in good faith and in order to decrease the balance. The bankruptcy cleared in XXXX, and I contacted Discover to learn how I could pay the remaining balance of {$860.00} before it was sent to collections. I was advised where to mail payment. I requested something in writing stating that this payment would satisfy full payment of the loan. I was told that this was not possible, but that the account would be updated if I mailed payment. I promptly mailed a check, along with a letter requesting that someone send me documentation upon receipt confirming that this was payment in full. They cashed the check in XX/XX/XXXX ( see attached photo ) but they never sent me documentation of payment in full. I contacted them several times about this and was assured it would be taken care of. I continued to wait for documentation, only to find that after cashing my check for the balance, they reported the account as being in collections on my credit report and that there was an outstanding balance of {$860.00}. My credit took a substantial hit. No one in customer service could explain this or correct it. I was promised calls back after looking into things, and these calls never came. After all this, and 5 months later in XXXX of XXXX, they mailed me back a check for the {$860.00}. They never corrected my credit report. I contacted them again on several occasions and was instructed to reach out to someone named XXXX XXXX. I did so and she never returned my calls or emails sent on XX/XX/XXXX and XX/XX/XXXX. I did confirm with another Discover customer service rep named XXXX that the contact information was correct. I called and spoke with them more times than I care to count to resolve this, and no one could explain to me what the problem was or why they paid me back. They told me to mail another check, and I said I would do this if they could first a ) tell me what went wrong and the first time and b ) send me something in writing saying that payment of this amount would cover the balance in full and c ) fix their reporting to the credit bureau. They never did any of this, and I simply waited for the account to fall off my report, and took the hit to my credit. I again contacted Discover in XXXX of XXXX asking for documentation that I could pay the remaining balance and be done with this debt, but the customer service representative requested additional days to look into the issue, and never called me back. In XXXX of this year, XXXX, I was contacted by a collection agency for the balance of XXXX on behalf of Discover. I was concerned that paying this would reopen the account on my credit report, but certainly did not and do not trust anyone at Discover to give me a straight or accurate answer about this, as they so grievously misdirected me up to this point. I paid the collection agency the full balance promptly, in hopes that this will finally resolve what has been a very frustrating and unfortunate experience. I received legal advice to file this complaint in order to avoid any further damage to my credit. I will never bank with Discover for any purpose again for this reason, and hope that this might help someone else in a similar predicament.
07/20/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19103
Web Servicemember
Time Sensitive XX/XX/2020 Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Numbers : XXXX To Whom This May Concern : I am writing to dispute fraudulent charges on my Discover card account. I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my account. You marked this account as closed and charged off. You already have my Identity Theft Reporting documents supporting my position, and a copy of my credit report showing the fraudulent purchases items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). Account applications made on paper, online, or by telephone Application records or screen prints of internet/phone applications Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on all applications and accounts Stop reporting information about the debt to credit reporting companies Expired Statute of Limitations 6 years in Pennsylvania This letter is to inform you that I am aware of my rights under the Fair Debt Collection Practices Act and my state laws. I have verified through my states Attorney General that the Statute of Limitations for enforcing this type of debt through the courts in Pennsylvania has expired ( see attachment ). Therefore, should you decide to pursue this matter in court, I intend to inform the court of the expired Statute of Limitations. This letter will serve as your formal notification that I consider this matter closed and ask that you or anyone else from your company stop contacting me regarding this fraudulent debt matter, except to advise me that your debt collection efforts are ceasing or that a specific action allowed by the Fair Debt Collection Practices Act or my state laws, will be taken. Please be advised that I consider any contact not in compliance with the Fair Debt Collection Practices Act to be a serious violation of the law. Please use the attachment provided form IRS-1099c to write off this fraudulent debt and crease reporting me to the nationwide credit bureaus ( CRAs ). I will immediately report any violations to the proper authorities and take whatever legal action is necessary to stop this contact. Thank you for your cooperation. Sincerely, Cc : Consumer Financial Protection Bureau Cc : Pennsylvania Office of Attorney General XXXX XXXX XXXX, PA XXXX Cc : Pennsylvania Unfair Trade Practices and Consumer Protection Law ( UTPCPL ) Cc : XXXX XXXX XXXX
10/19/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27103
Web
The current economic situation severely impacts my life as a result of the COVID-19 global pandemic. Struggling to keep a roof over my children 's heads and food on the table, I contacted Discover Card and asked for COVID-19 assistance. To be absolutely clear, COVID-19 assistance is not a gift that a customer receives from a credit card company or bank, but merely a payment deferment for a month, sometimes two. I had contacted Discover Card multiple times before I was 30 days past due on my monthly payment and asked for assistance. However, Discover Card refused every single time to help me. In the end, Discover Card did not provide me with any COVID-19 assistance. I strongly believe that this is due to discrimination. Not only refused Discover Card to provide me with COVID-19 assistance but in an attempt to force my hand to pay them and squeeze money out of me, the reported late payment to my credit file with all the major credit bureaus. Discover Card claims that this is something they have to do but conveniently and completely fails to mention that they refused to provide any COVID-19 assistance. I work with other creditors as well, and many of them do provide some COVID-19 relief. This is an unprecedented situation, so I believe that Discover Card has singled me out to get more money out of me. Their discriminatory tactics are not lost on me. Discover Card pushed me into a corner, and instead of offering me COVID-19 assistance, like they offered so many other people, Discover Card forced me to agree to a repayment program. The agent that I spoke to told me that if I agreed to their repayment terms, my late payment would be removed from my credit file with the major credit bureaus and that no further late payments will be reported going forward. Here is a verbatim quote of what the agent said to me : " We can't reverse or stop reportings at this point moving forward unless you can make that full past due. '' In years of being a Discover Card customer, I have not asked them for anything, even once, and I wasn't late even one time. Now that I fell on hard times due to COVID-19, like millions of people have, I asked Discover Card to defer my monthly payment and offer the almost meaningless COVID-19 assistance, which basically means that interest still accrues. At the same time, you don't make a payment, and no late payment is reported to your credit file. That's all there is to it. Now that I have agreed to Discover Card 's terms to repay them after they refused to provide COVID-19 assistance due to discrimination and pushed me into a cover using my credit file against me, I respectfully ask and absolutely demand that the one late payment be removed from my credit file with all the major credit bureaus. I did my part as a customer and notified them in due time that I needed COVID-19 relief, and they refused to help me, and not only that, but they tried to get even more money out of me. Please remove the late payment from my credit file, it is not something that I have done on purpose, and the Fair Credit Reporting Act does not have a provision for COVID-19 in there, so in this instance, credit reporting is left at every lender 's discretion. The FCRA was never written with global pandemics and their economic impact in mind, so please remove my late payment from my credit file to follow through with the agreement that I made with Discover Card. Thank you.
10/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27103
Web
The current economic situation severely impacts my life as a result of the COVID-19 global pandemic. Struggling to keep a roof over my children 's heads and food on the table, I contacted Discover Card and asked for COVID-19 assistance. To be absolutely clear, COVID-19 assistance is not a gift that a customer receives from a credit card company or bank, but merely a payment deferment for a month, sometimes two. I had contacted Discover Card multiple times before I was 30 days past due on my monthly payment and asked for assistance. However, Discover Card refused every single time to help me. In the end, Discover Card did not provide me with any COVID-19 assistance. I strongly believe that this is due to discrimination. Not only refused Discover Card to provide me with COVID-19 assistance but in an attempt to force my hand to pay them and squeeze money out of me, the reported late payment to my credit file with all the major credit bureaus. Discover Card claims that this is something they have to do but conveniently and completely fails to mention that they refused to provide any COVID-19 assistance. I work with other creditors as well, and many of them do provide some COVID-19 relief. This is an unprecedented situation, so I believe that Discover Card has singled me out to get more money out of me. Their discriminatory tactics are not lost on me. Discover Card pushed me into a corner, and instead of offering me COVID-19 assistance, like they offered so many other people, Discover Card forced me to agree to a repayment program. The agent that I spoke to told me that if I agreed to their repayment terms, my late payment would be removed from my credit file with the major credit bureaus and that no further late payments will be reported going forward. Here is a verbatim quote of what the agent said to me : " We can't reverse or stop reportings at this point moving forward unless you can make that full past due. '' In years of being a Discover Card customer, I have not asked them for anything, even once, and I wasn't late even one time. Now that I fell on hard times due to COVID-19, like millions of people have, I asked Discover Card to defer my monthly payment and offer the almost meaningless COVID-19 assistance, which basically means that interest still accrues. At the same time, you don't make a payment, and no late payment is reported to your credit file. That's all there is to it. Now that I have agreed to Discover Card 's terms to repay them after they refused to provide COVID-19 assistance due to discrimination and pushed me into a cover using my credit file against me, I respectfully ask and absolutely demand that the one late payment be removed from my credit file with all the major credit bureaus. I did my part as a customer and notified them in due time that I needed COVID-19 relief, and they refused to help me, and not only that, but they tried to get even more money out of me. Please remove the late payment from my credit file, it is not something that I have done on purpose, and the Fair Credit Reporting Act does not have a provision for COVID-19 in there, so in this instance, credit reporting is left at every lender 's discretion. The FCRA was never written with global pandemics and their economic impact in mind, so please remove my late payment from my credit file to follow through with the agreement that I made with Discover Card. Thank you.
09/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 90016
Web
Due to the XXXX XXXX pandemic, like most of the global community, I experienced an unexpected financial hardship that affected my ability to repay all of my bills including my Discover credit card bill. When reaching out to Discover in XX/XX/XXXX, after being in the hospital with what my doctor later believed to have been a XXXX XXXX XXXX, Discover refused to work with me despite my having XXXX years of timely payments with the exception of XXXX late payment. I continued to call Discover each month throughout XXXX, XXXX, and XXXX to resolve the matter. Discover refused to work with me and during XXXX of these calls, I was verbally abused by a Discover customer service agent who deliberately misgendered me. For XXXX years, Discover refused to work with me and eventually turned my account over to a third-party debt collection agency. When contacting their third-party debt collection agency, I shared with the agent that due to the affects of the ongoing pandemic, that I was unable to pay the amount in full. I was informed in XX/XX/XXXX by the third-party debt collection agent that the Discover balance was {$800.00}, however, I could resolve the matter entirely by paying {$220.00}. I then stated that I would agree to pay this amount, only if the item was removed from my credit reports as it had adversely affected my XXXX credit reports. The third-party debt collector agent agreed that Discover would either XXXX ). Remove the item in its entirety or XXXX ). Update the late payments to on time, remove the charge off status and indicate the account closed by me. Neither of these agreements were adhered to by Discover. When reaching out to Discover numerous times, I was informed that it is not their policy to remove or revise anything and this would be on my credit report until XX/XX/XXXX. I have contacted Discover numerous times and filed several disputes with the XXXX credit reporting agencies based on Discover refusing to audit the situation involving the aforementioned agreement by the XXXX XXXX collector agent. Additionally, Discover had refused to provide all paperwork and all audio recordings from the third-party debt collection agency. There has never been a proper investigation by the credit bureaus either. This Discover account is an old account from XXXX, and its 35 months of negative marks from Discover is adversely affecting my credit report and ability to get educational loans ( as this Discover account with 35 months of negative marks, has prompted that I have a co-signer for educational loans ) which as a result has stalled my XXXX studies. I acted in good faith to resolve this matter with their third party debt collector, who I believe said whatever he wanted to in order to get money from me. I was very intentional in my negotiating with the Discover third-party debt collector and have been abused by Discover, their third party debt collector, and as as a result, by the credit bureaus, especially XXXX. XXXX and Discover have refused to honor my requests of any information pertaining to my negotiation with the third-party debt collector, as this agent willfully misrepresented his authority to honor the aforementioned agreement. The XXXX report contains XXXX late payments yet XXXX has never held Discover accountable for conducting a proper investigation and thereby, XXXX has also failed in their ability to conduct a proper investigation as well.
02/28/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Add-on products and services
  • MI
  • 499XX
Web Older American
I have been a Discover Card holder from XX/XX/XXXX to present. On XX/XX/XXXX I learned a monthly " Fee '' I have been charged since XX/XX/XXXX is actually not a fee. In reality, it has been for the purchase of a Discover product called " Discover Payment Protection ''. I also found monthly purchase charges for two more Discover products called Wallet Protection and Identity Theft Protection. After investigation I discovered that, unbeknownst to me at the time, in XX/XX/XXXX CFPB ordered Discover Bank to refund card holders the charges for these products due to a host of deceptive marketing practices. I contacted Discover XX/XX/XXXX, speaking with a representative name XXXX, and requested removal and refund of these products and charges. According to Discover I was refunded in XX/XX/XXXX. For charges from XX/XX/XXXX to the present I was immediately refunded the last Six months. Full refund was declined because they feel they sufficiently notified me of the nature of the charges. I did not sign up for these products so requested proof/documentation of the purchase agreements. This request denied as according to Discover something does not require them nor will they provide this proof because they can not without revealing proprietary information. It appears in XX/XX/XXXX following refund per CFPB I continued to be opted in to purchasing these products, as a result the appearance of my monthly statement remained the same. I have not knowingly opted-in or opted-out of purchasing these products, they appeared on statements to me as Discover Card maintenance type charges. The Discover Payment Protection charge is located under the Fee heading. Wallet Protection and Identity Theft Protection charges are located under the ambiguous Other/Miscellaneous heading. Not one of these charges are itemized in a way that clearly reflects the nature of the charges. It should also be noted how much protection overlap exists with these products. As stated Discover is voluntarily refunding Six months of these products. Discover Payment Protection has been collecting monthly XXXX cents per XXXX XXXX dollars of my balance, that refund totals {$510.00}. Wallet Protection has been collecting a flat fee of {$3.00}, that refund totals {$23.00}. Identity Theft Protection has been collecting a flat fee of {$9.00}, that refund totals {$59.00}. Interest XXXX 12.24 % ) charged on these amounts, that refund totals approx. {$73.00}. The total refund amount will total approx. {$670.00}. From XX/XX/XXXXto present Discover charged on my card : Discover Payment Protection {$7000.00} ( approximated ), Identity Theft Protection {$830.00}, Wallet Protection {$330.00}, and simple interest on those amounts of {$1000.00}. The total charges are {$9100.00} when calculated with simple interest. Compound interest adds {$850.00}, the total charges are a minimum of {$10000.00}. After refunding card holders in XX/XX/XXXX, at least in my case, Discover Card continued the same deceptive marketing and billing practices. Without my consent I was opted-in to continue being charged for these, in my opinion questionable, Discover products. I am a retired XXXX XXXX. I worked hard for and sustained far too many injuries earning my pension to pay $ XXXX+ for the XXXX of it for questionable products that are not presented or offered to me in a fair manner. I seek full recompense from Discover Card.
07/13/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • XXXXX
Web Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ca, XXXX XXXX XXXX Consumer Financial Protection Bureau Subject : Complaint against Discover Credit Card Dear CFPB I am writing to lodge a formal complaint against Discover Credit Card concerning the unjust rulings on three separate merchant disputes I have filed. I believe Discover 's decisions on these disputes have violated my rights under the Fair Credit Billing Act and have caused significant financial loss and damage to my credit score. Under the Fair Credit Billing Act, I am entitled to protection against unauthorized charges and the right to dispute billing errors, ensuring fair treatment from my credit card issuer. However, in the cases outlined below, Discover Credit Card has failed to uphold these rights : 1. Case of Dispute Date XX/XX/XXXX - Expedia.com : On this date, I filed a dispute against a charge of {$1400.00} made at XXXX. I booked a two-night hotel stay in XXXX, XXXX, but was denied entry to the hotel due to the ongoing unrest in the region. Despite my repeated attempts to contact XXXX and resolve the issue, I was unsuccessful. Consequently, I filed a dispute with Discover. On XX/XX/XXXX, Discover denied my dispute, claiming the charge was valid. I clearly indicated that the dispute was not regarding the validity of the charge, but rather the lack of service received. 2. Case of Dispute Date XX/XX/XXXX - Bloomingdales : I filed a dispute regarding an in-store purchase made at XXXX. I specifically requested the purchased perfume to be delivered to my home address. Unfortunately, the package was never delivered to me, and it appears to have been lost or stolen. Discover 's response on XX/XX/XXXX alleged that I made the purchase in-store, which is untrue. I ordered the item for home delivery due to its unavailability in-store. 3. Case of Dispute Date XX/XX/XXXX - XXXX : Similarly, I filed a dispute on XX/XX/XXXX concerning a purchase made from XXXX. Once again, the package failed to reach me and was either lost or stolen. Discover 's response on XX/XX/XXXX claimed that the charge was valid, without providing any evidence to support this decision. These unfair rulings have not only resulted in substantial financial loss but have also caused my credit card balance to exceed its limit by {$3000.00}. As a result, my XXXX credit score has suffered, and I have incurred significant interest charges. Discover 's disregard for the Fair Credit Billing Act has had a detrimental impact on my financial well-being. I kindly request that you review my case in light of the Fair Credit Billing Act and take appropriate action against Discover Credit Card for their infringement of my rights. Enclosed with this letter, please find copies of all relevant documentation, including original receipts, the dispute forms submitted to Discover, and their responses. I believe these materials will aid in your understanding of the gravity of the situation and the urgent need for a fair resolution. I sincerely appreciate your prompt attention to this matter and trust that you will take the necessary steps to rectify Discover Credit Card 's unfair treatment and restore faith in the consumer protection system. Should you require any further information or documentation, please do not hesitate to contact me using the details provided above. Thank you for your time and consideration. Sincerely, XXXX XXXX
10/09/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IN
  • 46516
Web
I noticed an account on my credit reports from a company called DISCOVER BANK that I never had any business relationship with. DISCOVER BANK was attempting to collect on a an alleged debt in the amount of {$2300.00}. I have had my identity stolen and sent DISCOVER BANK a letter via certified mail XX/XX/2023 notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports. I also disputed this fraudulent DISCOVER BANK account with the credit bureaus. DISCOVER BANK however continued reporting this fraudulent DISCOVER BANK account with the credit bureaus. XX/XX/2023 I noticed DISCOVER BANK still reporting this fraudulent DISCOVER BANK account with the credit bureaus. I then sent DISCOVER BANK a DEBT VALIDATION LETTER via certified mail XX/XX/2023 requesting the agreement between DISCOVER BANK and myself and the original application for the account. DISCOVER BANK violated the FCRA 15 U.S.C. 1681g ( d ) by failing to provide the evidence requested after being notified about the identity theft. FCRA 15 U.S.C. 1681g ( e ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity.. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) DISCOVER BANK was required to cease collection efforts until the alleged debt was validated but failed to do so. DISCOVER BANK continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). I saw the fraudulent DISCOVER BANK account XXXX, XXXX and XX/XX/2023 on my credit reports. I then sent DISCOVER BANK a FAILURE TO RESPOND letter via certified mail XX/XX/2023. DISCOVER BANK violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. DISCOVER BANK violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. DISCOVER BANK violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) DISCOVER BANK was required to cease collection efforts until the alleged debt was validated but failed to do so. DISCOVER BANK continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, DISCOVER BANK FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a FAILURE TO RESPOND letter via certified mail XX/XX/2023. DISCOVER BANK violated the FCRA 15 U.S.C. 1681i by not validating the alleged debt within 30 days. I saw the fraudulent DISCOVER BANK account XX/XX/2023 on my credit reports and it is still there as of this filing.
10/15/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CA
  • 93561
Web
I must submit this complaint to the Consumer Financial Protection Bureau ( CFPB ) to get answers as the Discover for the past 284 days has repeatedly failed to respond. I am in the process of a preliminary investigation of discovery seeking legal clarification for Discover Corporation actions. The Federal Deposit Insurance Corporation ( FDIC ) is the supervising entity of Discover. I have recently filed a complaint with the Federal Trade Commission against the FDIC for their alleged malfeasance in the supervision of Discover and others. Discover and the FDIC may want to take note of the following quote by XXXX XXXX He who does not bello the truth when he knows of the truth makes himself the accomplice of liars and forgers. WHEREAS it is alleged : 1. ) Discover Card Services has never acknowledged the XXXX County Sheriffs Office ( XXXX ) criminal investigation or XXXX County District Attorney criminal investigation when investigations were repeatedly brought to their attention. 2. ) Discover has repeatedly chosen to ignore my request that Fraud Investigators to acknowledge the criminal investigation in any correspondence by referencing the XXXX Criminal Case Number. 3. ) Discover Corporation in any of their correspondence has never referenced my Federal Trade Commission Identity Theft Report case number. 4. ) Discover has never in any of their correspondence provide any reasons for not acknowledging the XXXX or FTC case numbers. 5. ) Discover with alleged malice and intent assisted the alleged perpetrator to avoid arrest, prosecution, by concealing information from investigative authorities and myself. Discover Credit Card Services when I had reported Identity Theft/Fraud involving complaints and inquiries for the credit card account ending in XXXX and previously known as account ending in XXXX. Discover has never acknowledge for the past 284 days or offered any explanation for their refusal to acknowledge the XXXX County Sheriffs Office ( XXXX ) or the XXXX County District Attorney ( XXXX ) criminal investigation. In each of my correspondences addressed to Discover Financial Card Services and its Executive Office of Customer Advocacy, I had requested each acknowledge the XXXX County Sheriffs Office Criminal Case Number XXXX. My correspondences were either sent by U.S. Postal Service certified registered receipt and/or facsimile. Discover by its actions and failures has disrespected me and law enforcement. Discover is accused by their refusal to simply acknowledge the efforts of law enforcement has actively hinder and hamper a criminal investigation preventing the arrested of the accused perpetrator. Furthermore, Discover alleged actions are socially reprehensible for refusing to provide the simple business curtsey of acknowledgement of an active criminal investigation. Discover and its employees through this complaint process are reminded that each person may be held criminally accountable for accessory after the fact under California Law, California Penal Code PC32 Accessory. Every person who, after a felony has been committed, harbors, conceals or aids a principal in such felony, with the intent that said principal may avoid or escape from arrest, trial, conviction or punishment, having knowledge that said principal has committed such felony or has been charged with such felony or convicted thereof, is an accessory to such felony.
06/24/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • FL
  • 34482
Web Servicemember
On XX/XX/XXXX, I received a voicemail from Discover 's " fraud department. '' All I did was add an external checking account to my Discover account. I reached out to Discover immediately to inform them that I added the external bank account. However, it was too late. Discover had already deactivated my online access. I've had one Discover login to manage both my Discover credit card and Discover bank accounts for several years. Everything has ran smoothly up until 10 days ago. After Discover took the step of deactivating my online access after mistakenly detecting some kind of fraud on the account, I had to spend an hour on the phone trying to reactivate it. After following all the steps and suggestions on the phone. There is an error after I log in with the account. I can see the accounts listed, but there is an error message next to each account that said : " verify this account. '' Any link that I clicked on including " verify this acount '' led to an error page. All of the links inside of the online account led to error pages. I reached out to Discover by phone and chat immediately to let them know what's going on. I can't access my accounts. I can not do anything with any of the accounts. It's very frustrating. I was told on the phone that " headquarters '' would be working to fix it. Over ten days later and there has been no communication what-so-ever from headquarters. No e-mail. I'm traveling overseas right now and e-mail is the best way to reach me. But no other form of communication from DIscover. No solutions. It hasn't been fixed. I've chatted multiple times. There is something bizarre with Discover 's chat support. I send a message and then verify my account info. Then I don't get another reply from Discover 's support agent for another 20 minutes. After 15 minutes the chat times out. It has nothing to do with the Internet connection, it's that literally the support agent is taking up to 30 minutes to reply. It's like there is one person trying to service 300 support requests at the same time? What is going on with Discover? I've never seen such poor online customer support in my whole life. On XXXX, the official Discover account asks me to open the chat and the whole thing repeats. I verify my account through chat, and then it takes 20 - 30 minutes to get a reply from the agent or no reply ever comes. This problem that is not my fault, and caused by Discover never gets solved. I wish I could be compensated somehow for how much time I've wasted trying to get it resolved. It's so crazy. I've called twice on this issue. Each time I can get through to their U.S support, which is good. But again, each time they say they've reported the issue to their headquarters and there is nothing else they can do at all. On XX/XX/XXXX, I got an e-mail from Discover with a temporary password. I thought for a moment that they finally fixed the issue and I could now log in. But I try to log in with the temporary password and it doesn't work. I'm so disappointed by the lack of communication, lack of a solution, and the fact that this whole thing was caused by a mistake by Discover just for linking an external account to Discover. I've never seen anything like this before, and never experienced any problem like this before with any other financial company. Since I received the temporary password today, I also can't log in at all.
05/04/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • IL
  • 601XX
Web
I have held a Discover Credit Card with them since their first contact in XXXX, since then they have constantly sent mail to my home address, phishing for a personal loan up to a limit of {$35000.00}. Their phishing scams, always are headlined with " Congratulations on your preferred status '' and why not? I have never missed a payment, and since I came to this country I have continued to work on my credit. Anyway I finally took them up on their offer, we wanted to purchase a large deep fryer and we didn't have enough in savings so we opted for {$30000.00} over 60 months. We were supposedly pre approved, they already knew our credit score was XXXX and we had never missed a payment, we submitted our XXXX Tax return showing I earned {$110000.00} last year, we submitted our Bank Statements showing my employer paying into our account, and our statements showed that we had over {$24000.00} in savings in the bank, almost enough to cover the entire loan we were seeking and more than most people have in their accounts, but not enough for the equipment we had to purchase. Discover knew our history, knew our credit score, but hit our credit anyway, they did not ask any questions about our credit score, or my employment or the cash we had in the bank, instead they took aim at our legal status in the USA and declined our loan on that alone. It seems to me they have breached the Equal Credit Opportunity Act. I have 4 recorded phone calls with various people including XXXX and XXXX listed above from XX/XX/XXXX to XX/XX/XXXX. the first two calls were about sending documents like, pay stubs, bank statements etc, the last two calls were about my legal status in the USA only, one call on the XXXX and the last call on the XXXX, They asked for copies of my Visa which i sent, I also explained due to COVID we had been waiting on a renewal since XX/XX/XXXX but the XXXX have not completed their paperwork yet, I also sent a copy of the form XXXX to show this was the case, They called back again on the XXXX asking for more Information on my citizenship and my status in the USA, I explained again about waiting for the XXXX to send me the renewal, they then declined my loan on this basis. On the email sent the next morning XXXX XXXX the cause was listed as " Unable to verify Credit References '' which is XXXX, and " Documentation you provided is Incomplete/Unacceptable '' this means they denied based solely on my Legal status in the USA, they are in breach of the Federal Equal Credit Opportunity Act, and they discriminated against me based solely on my National Origin. The law is clear that they are not allowed to discriminate in such a way that they did, there is proof online that they approve loans to people with lower credit, and less savings in the bank than we have, but because they're US citizens they were approved their loan over ours. The recorded Phone conversations prove they were concerned with XXXX XXXX and not creditworthiness, The need to be held accountable and i fully intend to take this matter further. Out of the 5 additional reasons listed to the two already mentioned, 3 of the 5 additional relate to my time in the country as a legal resident, and nothing to do with creditworthiness. Discover Personal loans are in breach of the Federal Equal Credit Opportunity Act Discover Personal Loans, discriminated against me purely on National Origin Regards,
06/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • GA
  • 312XX
Web
I am writing to address a matter of utmost concern regarding an account held with your financial institution. After a thorough review of the information provided and my personal records, I have discovered that this account is fraudulent as I did not authorize or provide consent for its creation. Furthermore, despite my previous requests, you have failed to provide the required documentation to prove the legitimacy of this account. I urgently request your immediate attention to rectify this fraudulent situation. I would like to emphasize the following key points : 1. Lack of Consent and Authorization : As the account holder, it is essential that I am aware of and provide consent for any accounts opened in my name. However, to my knowledge and records, I have neither authorized nor given consent for the establishment of the account in question. This raises serious concerns regarding the legitimacy and authenticity of the account. 2. Failure to Provide Documentation : As a customer, I have previously requested documentation to substantiate the existence and validity of this account. These documents include but are not limited the following that has yet to be provided to me : 1. Comprehensive Accounting Records : Under the law, a financial institution is obligated to maintain comprehensive and accurate accounting records for each customer 's account. These records should include a complete transaction history, account statements, and any other relevant documentation that supports the calculation of the alleged debt. 2. Provision of Tax Forms : If the alleged debt is related to any tax liability, I request that you provide all relevant tax forms associated with this debt. These forms should include, but are not limited to, 1099-C or other tax-related documents that report the cancellation or forgiveness of debt. 3. Timely Response : It is essential that your institution responds to this request within a reasonable timeframe, typically within 14 days Failure to comply with this requirement may be deemed a violation of applicable laws and regulations. Therefore, I request the following actions from your institution : 1. Removal of Negative Item : I kindly request that you immediately remove the negative item associated with this alleged debt from my account and cease any further reporting to credit bureaus until the debt is properly validated and resolved. 2. Provision of Accounting Records : Please provide me with all accounting records related to my account, including a complete transaction history, account statements, and any supporting documentation that verifies the accuracy and validity of the alleged debt. XXXX. Provision of Tax Forms : If the alleged debt is related to any tax liability, I request that you provide all relevant tax forms associated with this debt, such as 1099-C or other applicable tax documents. 4. Compliance with Laws : I expect your institution to comply with all applicable laws and regulations. Failure to do so may result in legal consequences and the pursuit of remedies available under the law. Please note that any future communication regarding this matter should be in writing and sent to the address provided above. Any negative reporting to credit bureaus should be immediately corrected and withdrawn until the requested information is provided, verified, and any disputes resolved. Account Number : XXXX
07/28/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33196
Web
My name is XXXX : XXXX XXXX an agent and representative for principal XXXX XXXX, a federally protected consumer, holder in due course and attorney in fact. I am making this complaint against XXXX XXXX, XXXX for engaging in abusive deceptive and unfair debt collection practices. XXXX XXXX, XXXX was sent to engage in these unlawful extortionate means to collect on an extension of credit by Discover Bank. Discover Bank has violated my right to privacy by disclosing my nonpublic personal information to an unauthorized third party without my lawful consent. Discover Bank infringed my right to privacy and compromised the security and confidentiality of my nonpublic personal information on multiple occurrences with forethought and malice as a means of bringing substantial harm to me and my financial reputation. I would like to know whats the status if this account and if a 1099-C was filed for this account. Also note that if your company has filled out a 1099-C form and its continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies, or pursuing litigation, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. I would also like to know if either Chief XXXX XXXX XXXX XXXX XXXX or Chief XXXX XXXX XXXX XXXX XXXX will be present for this court case to speak on behalf of the racketeering activity that is being committed by Discover Bank. I am aware that XXXX XXXX, XXXX is an unauthorized third party in this matter. I never contracted with XXXX XXXX, XXXX and they have no lawful authority to be in possession of my identifying information. I also want to make clear that XXXX XXXX, XXXX has no actual first-hand knowledge of the matter at hand and are strictly acting off hearsay. I have reason to believe that XXXX XXXX, XXXX is not in possession of any substantiating evidence to lay claim to this alleged debt that they are attempting to collect using unlawful extortionate means. If Discover Bank can provide me with proof of claim for this alleged debt, such as the original instrument of indebtedness in its original form and the accounting for credit account ending in XXXX, Id gladly make arrangements to settle this account in full. I am aware that billing Statements/proof of address are not proof of claim. If Discover Bank refuses to produce any documentary evidence as defined under 15 U.S. Code 44, I will thereafter consider this matter between us to have been legally and financial settled. Upon the refusal to produce this documentary evidence I am also demanding that all fraudulently reported negative information is deleted and updated to paid as agreed from all credit reporting agencies immediately to prevent further harm to my financial reputation. If the requested information is not provided and XXXX XXXX, XXXX continues their unlawful collection efforts, XXXX XXXX, XXXX shall be held criminally liable for aggravated identity theft and violating 18 U.S. Code 894 for using unlawful extortionate means in the collection of an extension of credit. I would also need the name and address of XXXX XXXX, XXXX binding agent in case a suit needs to be filed in Federal Court for these abusive, deceptive, and unfair debt collection practices
09/29/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • CA
  • 92630
Web
On XX/XX/XXXX XXXX XXXX ordered from our business, recieved her order and then filed a chargeback with Discover stating she did not recieve her order and it was for the wrong date. Upon receiving the chargeback, we provided Discover with screenshots of XXXX XXXX social media XXXX XXXX showing that XXXX had posted her order that she claimed to have not recieved. Additionally, we provided them with all correspondence of XXXX stating multiple times the order was for XX/XX/XXXX and then claiming she was out of town when in fact she recieved her order. While trying to commit fraud claiming the order was for another day, she accidently sent the correct order confirmation for XX/XX/XXXX. XXXX submitted the evidence and Discover sided XXXX and facilitated fraud. XXXX XXXX owns a XXXX XXXX XXXX website is XXXX you'll be able to see in the About section her photo and her name is listed as the owner. The business XXXX XXXX XXXX XXXX She emailed us on XX/XX/XXXX claiming she had problems placing an order online for XX/XX/XXXX. Our staff walked her through the online process of submitting an order on our website. XXXX XXXX placed her order herself on our website for XX/XX/XXXX. After delivery, she contacted us and claimed that she did not receive her order because she was out of town and that the order was delivered on the wrong date. We responded and resent her confirmation ( showing the delivery date of XX/XX/XXXX ) along with her multiple emails requesting an order for XX/XX/XXXX. She responded with an altered/fraudulent email changing the delivery date to the XXXX and altering the email format. Upon further investigation, we visited her Social Media XXXX XXXX and discovered she posted pictures of her order just an hour after it was delivered. I have attached photos showing her delivered order from us that she posted on her social media XXXX story that she claimed to have not received. During her influx of emails, she accidentally forwarded us the correct confirmation email showing a delivery date of XX/XX/XXXX but still claimed it was for the XX/XX/XXXX. We informed her order was for the XXXX and was delivered/received and that she does not have an order for XX/XX/XXXX. She continued to email demanding an order for XX/XX/XXXX. We instructed her to place an order for the XXXX if she needed another order. She continued to claim she did not receive her XX/XX/XXXX order and wants it for the XXXX. In response, we sent her the photos of her instagram stories showing the order she claimed to have not received, she stopped contacting us after being provided with this evidence. She was also informed that we will no longer be serving her or responding to her emails and if she would like to discuss this matter further she would need to call our store directly. This fraudulent claim is the first we've heard of her since. Her order was delivered on the correct date of XX/XX/XXXX and left on her doorstep, she received a text message notification along with a photo upon delivery as per our policy as stated on our website. We believe her claim is an intentional act of fraud and retaliation for refusing to service her after she was confronted and provided with proof receiving her order Company accepting payment XXXX. Our company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$56.00} + {$15.00} service fee from XXXX total {$71.00}
07/17/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MA
  • 021XX
Web
XXXX I ordered XXXX item, a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX and charged the stated cost of {$39.00} to my Discover Card. After providing my credit card information, the confirmation page did not state the item ordered or the charges. The lack of details about the order concerned me. XX/XX/2023 The same evening I placed the order, I received an email from the company, stating that I ordered XXXX items and my credit card was charged {$250.00}. I immediately called the company number to report the error. This was a Friday evening and I was unable to reach anyone ; the recorded message stated hours of operation, Monday through Friday. XX/XX/2023 I notified the company via email of the incorrect charges and that I did not order the items. XX/XX/2023 I sent a second email to the company that I did not order the items. XX/XX/2023 XXXX about the fraudulent charges, I immediately froze my Discover account. I contacted Discover and explained the problem. Discover agent told me to call the company when they open on Monday and try to resolve the issue. XX/XX/2023 I attempted to speak with someone at the company to report the problem. Each time I called, the call was disconnected. I sent another email to the company. I also called Discover and updated the agent. Charges were pending on my Discover account. At this time, I disputed the charges when speaking with Discover. I also cancelled my credit card to avoid additional fraudulent charges. A new card was issued. XX/XX/2023 I received an email from the company that the order was shipped to me. This time when I called a different number I found online, a person answered the call and I explained the problem and that I did not want the company to send the products which I had not ordered. I also replied via email to the message and notified Discover. XX/XX/2023 I sent another email to the company stating my concerns about the fraudulent charges. The package arrived around XX/XX/2023. I immediately notified Discover. The agent told me to bring the package to the XXXX XXXX to return it, and obtain a receipt from the XXXX XXXX. I contacted the company and explained that I wanted to return the unopened package. The person I spoke with refused to provide an address for me to return the package. She said it was not returnable because I was disputing the charges. I again called Discover to update them with this information. XX/XX/2023 The company sent an email message that I can not return the package and my case is closed because I reported the fraudulent charges to Discover. XX/XX/2023 XXXX, I responded to the company and explained I made multiple efforts to cancel the order, including within hours of receipt of the fraudulent transactions. I attempted to return the unopened package but the company refused to provide an address to return the items and stated in emails that it was not returnable due to the dispute. I updated Discover via phone calls with each contact with the company to resolve the problem. I provided Discover with copies of all email communication with the company. Discover did not investigate the fraudulent charges. I had disputed the unauthorized charges immediately, before they were even pending on my acct. Discover told me they closed my disputes of the transactions simply because the company refused to issue a refund. I was not protected against fraud by Discover.
10/04/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • AZ
  • 850XX
Web
The last authorized charge I had was on XX/XX/XXXX. Sometime between that time and the XXXX my credit card was unknowingly lost. Starting on XX/XX/XXXX my credit card was fraudulently used and was continually used without my authorization or awareness. The following is a list of the charges : {$26.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$64.00} XX/XX/XXXX XXXX {$64.00} XX/XX/XXXX XXXX {$64.00} XX/XX/XXXX XXXX {$110.00} XX/XX/XXXX XXXX {$64.00} XX/XX/XXXX XXXX {$28.00} XX/XX/XXXX XXXX XXXX {$2.00} XX/XX/XXXX XXXX XXXX {$5.00} XX/XX/XXXX XXXX XXXX {$1.00} XX/XX/XXXX XXXX XXXX {$51.00} XX/XX/XXXX XXXX XXXX {$22.00} XX/XX/XXXX XXXX XXXX {$4.00} XX/XX/XXXX XXXX XXXX {$89.00} XX/XX/XXXX XXXX {$89.00} XX/XX/XXXX XXXX {$64.00} XX/XX/XXXX XXXX {$8.00} XX/XX/XXXX XXXX {$22.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I caught the unauthorized activity going on with my credit card and notified Discover. At that time the card was cancelled and an investigation opened. Discover had asked me if I had the card in my position and at the time I thought I had so replied yes. I did not realize that the card I did have in my possession was my other credit card I had with Discover and not the one that had been fraudulently used. I had two different credit cards with Discover. A few weeks later there investigation concluded with them finding me responsible for the charges since they stated I had the card in my possession. I contacted them again and attempted to explain to them that it was my other credit card I had with them and not the one that had been fraudulently used. They asked my if I had opened a police report, which I had not, and they asked I could. That same day I filed a police report with the city of XXXX, XXXX, and contact Discover with the report number. They re-opened the case. A few weeks later I got a response that the case was again closed with them finding my still responsible as information they had requested was not returned by me. I immediately contact Discovered and asked what information they where looking for as I didn't receive any request. They said they where waiting for the police report. I explained to them I had given them the number and they re-opened the case again. I contact the police department myself to see what information they had. I was told that their was no video surveillance for the time period the fraudulent charges occurred. I was told this was common and they are lucky to find companies that keep the tapes for two weeks. A few weeks passed and they closed the case again finding me responsible as the police report was essentially inconclusive. I contacted them again and pleaded my case that they where indeed unauthorized charges and at least to me it was pretty evident given the type of charges. Looking at the charges most are from the same merchant and repetitive for the same exact amounts, on not sure how much more obvious this could be. At this point the case remains closed with them finding me responsible. They have since reported me to the various credit bureaus where they stated they would notify the bureaus that I disputed the charges, which has yet to happen at least based on my findings. I have since cancelled all business I had with them, but refuse to pay for charges that I did not make.
03/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MA
  • 02139
Web
I am not sure if this warrants a complaint, but I am checking to see if this is something that can be addressed via policy or if a company can be pressed to change a company. I have a series of specific problems. I was foolish and accidentally allowed a company I should not have to start billing my credit card regularly. They did not provide what they said they would. I initiated a dispute with them, but I had a good idea it would be hard to stop them from continuing to use my credit card. I tried multiple ways to get the credit card to not allow the amounts to be charged anymore. This wasn't a small fee -- it was {$1000.00} a month. ( It was a service that was supposed to help me grow a business, but it was not doing what they verbally said they would do. ). But the Discover customer service agent on Friday XX/XX/XXXX said they had a policy of not disallowing a merchant to go ahead and continue to use my card. I was flabbergasted at this so I called up on XX/XX/XXXX and said that I would simply close my account and pay off my bill rather than have to allow the situation to continue. Then the costumer service agent, XXXX, became very accommodating and said of course they wouldn't allow a purchase that wasn't something I wanted. They said they'd stop the payment but indicated that it would be possible, in a year 's time, that I'd have to renew the ban on this merchant. This took about an hour but eventually I was assured that there was a block on this particular merchant. After that, I went ahead and engaged with the merchant, who said they would not longer charge me. But XXXX and behold, the merchant didn't stick with their word, and neither did Discover. I had even frozen the account, just in case, but I went back today XX/XX/XXXX and found that Discover had indeed allowed the payment through. I was shocked. I have now completely closed the account. They verbally assure me there will be no future payments accepted because it is actually closed. I suppose I have to believe them, though I can't trust anything the agents say over the phone, it seems. I even have a letter from them saying that they had blocked the merchant, so a written letter is also no guarantee. I spoke with a supervisor, who went by the name of XXXX, and who basically said I could dispute the {$1000.00} but that it was essentially my fault for allowing the merchant access to my card. I did start a dispute on the payment, and actually decided to dispute all the prior payments as well, but I am also angry that Discover made this so difficult for me to do. ( To be clear, not disputing per XXXX but they refused to block the merchant at all. I think that is a terrible policy. ) Is there anything that can be done about this? I do not believe that Discover should have a policy that lends itself so easily to defrauding their own customers, and I said so to every single customer agent I spoke to. I was very foolish. My XXXX XXXX XXXX could see the whole thing was a scam, but I didn't want to believe that. But I do not think that Discover should have sided so fully and wholeheartedly with the merchant when this was such a large amount and this could have gone on indefinitely. Please let me know if there is anything that could be done about this in the future or if there is any way to push for a change in how credit cards treat their customers. Thank you.
06/07/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • WI
  • XXXXX
Web
On XXXX XXXX 2017, I appeared for a Order for Examination hearing for the small claims judgment that was awarded against me. I was sworn in by the Court Commissioner XXXX XXXX. XXXX XXXX was the Attorney for Discover Bank and conducted the exam by phone. The Commissioner stepped out of the room. About 6-7 minutes into the exam, Attorney XXXX asked which company I worked for. I answered XXXX XXXX XXXX, which he did not understand. I repeated myself twice more and he still failed to understand what I was saying. He then demanded that I spell " XXXX ''. I spoke the word " XXXX '' three times in a clear manner. After this Attorney took a very negative and abusive tone against me and threatened me by saying '' We can make this easy or we canmake this difficult ''. At this point I immediately felt threatened and intimidated. I immediately requested to have the Commissioner step back into the room to deal with the situation. At this point Attorney XXXX took a much more professional tone. We have intentionally not filed for bankruptcy protection being that we are strongly convicted to make good on our debts, but when a collection lawyer takes an abusive manner it makes it especially difficult to move forward. I have answered every question and supplied everything that was ordered by the Commissioner. Dealing with Attorney XXXX XXXX threatening manner has been especially stressful and I was unable to perform my duties at work that day as I am usually able to due to the added stress. There was a second issue that was especially concerning and raised a question in my mind as to the integrity of the Court System as a whole. On the original Order to Appear before Court Commissioner that I was served with, it specifically states that " IT IS FURTHERED ORDERED that the costs to serve you, and the costs to conduct this hearing, shall be assessed against you in favor of the creditor ''. At the hearing, I questioned Commissioner XXXX if he had the authority to order that these costs be assessed against me in favor of the creditor. He stated that he did not and verbally told Attorney XXXX that he was not ordering these costs. He appeared to be back pedaling when questioned about this. I asked Commissioner XXXX if Attorney XXXX supplied the form. His response was that he assumed so and that his office did not produce the form. I questioned Attorney XXXX if he had produce the form, which he acknowledged that he did. I am curious how many of these forms have been sent out for other hearing as this by both Attorney XXXX and his company XXXX XXXX XXXX and whether it is common practice to have unsuspecting Commissioners order things that they do not have the authority to do so. I am highly concerned about Attorney XXXX XXXX apparent manipulation of supplying a document to Commissioner XXXX that Ordered costs to be assessed when the Commissioner did n't have authority to do so. In addition, I am also highly concerned about Commissioner XXXX XXXX lack of understanding of what he was signing. I am asking that an investigation be held into Attorney XXXX XXXX threatening and manipulative tactics and that he be held accountable for doing so. It is unfortunate that people like him do not have a better manner to deal with these situations, unless they are under scrutiny of a Court Commissioner ; and now the government. Please address these complaints.
11/22/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 90017
Web
On XX/XX/2021 I attempted to make a purchase for a flight with XXXX XXXX. I made several attempts on the website but the website was glitching and continued to say that my transaction could not go through and that my reservation had not been confirmed. The flight was for the next day XX/XX/XXXX. I did not receive any email notification indicating that the booking had been received. The morning the flight was to be taken ( XX/XX/2021 ) I received XXXX email indicating I was ready to check-in for my flight. I called XXXX and explained that my flight did not show it was booked but I was receiving information about checking in. The woman indicated the flight had been cancelled. I informed her I am showing XXXX charges on my card for some reason and she indicated THAT THERE WAS ONLY XXXX FLIGHT they were showing and that this flight had been cancelled. By XX/XX/2021 both charges were shown on my discover card. I disputed both charges on XX/XX/2021 through the discover website. I also called discover and spoke to a woman to describe what had happened more specifically- that I was only attempting to make XXXX transaction and that I continued to get a message that my order had not been completed. That I did not make a second transaction and that I had ( obviously ) not gone on the flight because I was being told online that the transaction would not go through. The woman informed me to dispute both charges and she would add notes to the accounts to indicate what had happened. She did inform me that XXXX dispute would fail since XXXX had already refunded the transaction however we did not know which one had been refunded and to add the cancellation to both. XXXX dispute was resolved on XX/XX/2021 since XXXX had already refunded the amount. However, the last dispute was not resolved in 30 days, was not resolved in XXXX day but instead took XXXX days to be resolved. I received an email on XX/XX/2021 regarding my dispute number XXXX. The email indicated that I had won my dispute- which made sense since I did not do the charge. When I logged into my account on XX/XX/2021 I found that my account had been charged the {$660.00} disputed amount. Meaning that the letter they sent me- indicating I had won the dispute- was not correct information. I called discover to ask about what happened and they informed me that they could not fight the charge and that I was not getting refunded. I then asked why it took them XXXX days to resolve this dispute and this was not a timely fashion since now I am out nearly {$700.00} for failure on both their parts. The man on the phone indicated that XXXX responded in a timely fashion but Discover had not accessed the response. I informed him that he should request the audio from XX/XX/2021 where XXXX told me that there was no issue and that there were NOT XXXX tickets on my account. He said he could not do that and there was nothing that could be done. I then called XXXX again to see if anything could be done on their part and an extremely nice woman attempted to help me resolve the issues with the account. The issues have not been resolved but I do appreciate the effort she made and she also indicated they could continue looking into the matter ( which is contrary to what discover had told me ). I am requesting a refund from Discover and am working to close this credit account for fraudulent activity.
06/26/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28210
Web
Had an agreement with Discover bank to make three payments and the account would be brought current. Made first two payments with no issues. theXX/XX/XXXXpayment became an issue. Discover never attempted to take the funds from the account until XX/XX/XXXX on which I informed them they had spent to long and I could no longer hold the funds in my account waiting for them to pull the funds. They stated that I put a stop payment on the check and that they would discredit the agreement and I would have to start payments all over again. I told them this is not true I put stop payment against a check with a company called XXXX XXXX XXXX. See copied email message between me and bank below about stop payment. Date/Time and company and check number are all listed in it.

Date : XX/XX/XXXX Subject : RE : Stop Payment Check From : XXXX XXXX Dear Member, We have received and processed your request for a stop payment. Please allow at least 1 business day for this stop payment to be effective. Please adjust your records to reflect the {$8.00} stop payment fee. Requests received after XXXX XXXX and on weekends or holidays are effective the following business day. Please read the following terms you have accepted by submitting this stop payment : I understand that this stop payment is valid for 12 months. The Credit Union can not honor this request if the item ( s ) described above are accepted on the current processing date.

If you have any further questions or concerns, please send us a reply, contact your local branch or call As always, thank you for your continued support of your credit union.

-- - Original Message -- - Sent :XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX XXXX XXXX Subject : Stop Payment Check Stop Payment : Type of Stop Payment : Single check Account : Checking - ( XXXX ) Payable To : XXXX XXXX XXXX Check Number : XXXX Amount : XXXX Date Written : XX/XX/XXXX Submitted by XX/XX/XXXX Member : XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- As you can see I did n't place any request for a stop payment until the XXXX that evening. 3 business days after the Discover card payment. The company name was XXXX XXXX XXXX and the request was approved on XX/XX/XXXX. No other stop payments where made. This issue that happened was discover bank issue check numbers that I was unaware of to XXXX for payment. I as you can see in the request used checks with the book 1-20. Discover last two payments requested checks with numbers XXXX and XXXX My bank started to feel it was odd that check seem to be being re-used. Discover never asked a check number they should start with and therefore cause my bank to question transaction that had the same check numbers but different companies. When I tried to explain to Discover that this seem to be an issue caused by them. 1 ) assigning check numbers without checking with me to see if those checks were in use or not and 2 ) taking a week to process and withdraw funds from the account they denied any error on their part although it seems clear to me. I present this along with differences in checks looks to CFPB. I have offered to make a payment on XX/XX/XXXXof the agreed {$50.00} if it will continue the agreement and bring the account current.

08/03/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • PA
  • XXXXX
Web
For the past 18 months, Discover Student Loans has been improperly charging me a late fee on my student loan account due to what the company admitted is a glitch in their system. After numerous attempts at a resolution, the fee continues to be assessed to my account. Starting in early XX/XX/XXXX, I noticed after paying my loans for the month there would be a charge of approximately {$2.00} remaining on my account even after paying in full. Further, paying this stated amount would would not reduce the balance as if it was stuck in my account. In XX/XX/XXXX and XX/XX/XXXX I contacted Discover Student Loans via their secure message functionality to get an answer about the issue. I do not recall the resolution of the XX/XX/XXXX conversation ( conveniently, any conversations from secure messages seemed to disappear from my inbox in my Discover account, though I still have the emails from Discover saying that there are responses to the secured messages I sent ), but in XX/XX/XXXX I was issued a {$2.00} refund for the overpayment though it never corrected the underlying issue. Again on XX/XX/XXXX I sent another secure message related to the issue. It was marked as solved in the system but no resolution, explanation, or otherwise was given to me. On XX/XX/XXXX I called and spoke to a representative. I was told that the company was aware of the issue and that it affected a very small number of accounts. I was told the issue existed since XX/XX/XXXX and was due to the way that they switched how they charged late fees. I was assured that the issue would be corrected, and to just ignore anything about the account status as showing late in their system. To this day, the issue remains unresolved. I was also assured that the problem would not affect my credit score, but I was able to observe a corresponding balance increase on my credit report from the late fee being assessed after making a payment. I am extremely disappointed in Discovers inability to resolve the issue. As someone who is working very hard to repay my debts and improve my credit score, I do not find it acceptable that the issue is still outstanding and I am still being charged an additional amount every month improperly. I am disappointed that I am paying extra every month instead of using that money to pay of my higher-interest debt faster. My issues with Discover Student Loans customer service extends even further in the past. In late XX/XX/XXXX I had just graduated college ( note that this loan is from a previous attempt to obtain a degree at a different school ) and was experiencing a financial hardship as I was still trying to gain employment in my field. Numerous calls were made to the customer service line to try to avoid being late on payments, but I was told there were absolutely no alternative repayment options available and the only solution was to pay in full. In retrospect I believe - at the very least - I should have been given the option to pay at least for one of my two loans serviced to avoid being hit with two separate late payments on my credit report for every month I was behind. I understand that I had financial obligations to fulfill that I wasnt able to in the past, but I feel Discover also has the obligation to fulfill their duty to fairly and accurately service my loans, and they continue to not do so by not resolving this issue.
09/20/2021 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • MT
  • 59901
Web
I first applied for my Home Equity loan from Discover Bank on XX/XX/21. I went through the initial steps with XXXX XXXX and explained to her that I was looking to get a second mortgage on my home to consolidate some debt and some other things. At that time, I had explained to her that my first mortgage lien was held by a Private Party with a Owner-Carry Contract. My name is on the DOT and there is a Promissory Note that is filed and enforced by a local Payment Servicing Company. On XX/XX/21 a XXXX XXXX reached out to help get some of the documents together to work through the application. I also spoke to her about the Owner Carry Contract. On XX/XX/21 I was contacted by a XXXX XXXX who was looking for different items that were needed and informed me that I would also be working with XXXX XXXX. They did not like the statement provided by the Payment Servicing Company for my Owner Carry Contract and we were working on gathering additional information to make sure that it was all penciling out in underwriting. On XX/XX/21 I received an offer of credit from Discover Bank for XXXX. I accepted the offer and they explained they would move my file to the next step and order the additional 3rd party documentation. On XX/XX/21 I was contacted by XXXX XXXX who informed me that he would be my main processing point of contact. In his email he stated he was working on my Title Report which would have also shown a private party as my lien holder. XXXX reached out again on XX/XX/21 to let me know that the appraisal could take up to XX/XX/21 to complete and asked if I wanted to continue with my loan. I told him yes. The same day, the appraiser came to my house for his review. On XX/XX/21 I received an email from XXXX XXXX XXXX letting me know that my house was appraised and the loan was going through final underwriting. I asked how soon the loan could close, and he said assuming that the numbers are all still good, it could take 10-15 days until its completely done. On XX/XX/21 at XXXX I received an email stating that my loan had been denied due to " Insufficient First Lien Holder ''. When I called, I spoke to XXXX who told me that it was Discover Banks policy to not do a 2nd mortgage when the first lien was held by a private party. She explained that I should have never made it past the application process once they knew that I had a private party as a property lien. I have asked for a call from a supervisor and have still not received one. I am extremely upset as this process has gone on much longer than it should have. As soon as Discover knew that they were not able to do the loan due to an internal policy they should have stopped the process right away. The whole process was super deceptive and has caused me all sorts of stress. Had they told me right away I could have gone with an offer that I received from a different Financial Institution and could have been done with this whole process by now. I now have to start the process all over and my credit is going to take a major hit again as I am no longer in my window where new credit inquiries will not have an affect on my score. This loan not closing has also cost me {$10000.00} as I am missing an investment that I now have to back out of. I am very disappointed in this whole process and the lack of full disclosure and the overall deceptive nature of the whole process.
05/11/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OK
  • 73401
Web
i opened a discover card in my name in XXXX it was paid every month till XXXX. I broke XXXX and I knew I had insurance thru discover that would make my payments, I called discover and they did make them. I went back to work XXXX for XXXX yrs but the strain XXXX and the work load I had I became very ill I could not do my job safely for me XXXX. I had a XXXX! I ended up in a terrible state of mind. Then my husband XXXX another car on XXXX he was out of work XXXX then his co. after XXXX fired him the day before XXXX. We ended up consuladating our credit cards with XXXX XXXX and made all those payments lived on our XXXX and I have been on XXXX since XXXX. I had insurance on the discover card that was to cover ; consumers to insure repayment of loan if the borrower dies, becomes ill XXXX. So I called them, they told me I cancelled my policy! Why in the world would I do that!! I 'm XXXX and I have no money. Now here we are nothing from discover all this time. we used to make XXXX figure income. My husband works for {$17.00} hr. I still am on XXXX. I know now that discover was sued and had sold XXXX XXXX people the same insurance they did me which was no good. THAT IS NOT MY FAULT, plus they sent my husband a card added his name and their wallet protection plan some time in XXXX never signed anything.So now I believe discover sold the debt to Hood and XXXX Attorney out of Arkansas. They file XXXX a wage garnishment for 25 % of my husbands check in XXXX XXXX. A writ sent to XXXX XXXX for garnishment and we had no knowledge of any thing till his check was short. Then we ask for a stay till we could go to court, we are at XXXX and go to the church on Tues for food. Our house had to go thru the XXXX loan with XXXX we went from XXXX left to to 30 yrs and our payment is still {$1100.00}. Our meds cost so much and to just live. ok so even after me filing the stay they continued to delay paper work I called at least 3 times. out of XXXX checks they took over {$1000.00} out, the Judge ruled {$150.00} a month not {$500.00} so then I was over drawn at the bank on our house payment and it made me late on paying other bills. so there is late fees and we could not get our meds which endangers my life. my electric was on cut off and I have XXXX at night, I 'm so nervous and upset my XXXX is worse and it has got my XXXX so stirred up my husband had to hide our XXXX cause i get so upset and obcessed I just want to check out I cant handle it.. Then XXXX and XXXX sent XXXX refund check back. It was refunded to me only XXXX XXXX. XXXX XXXX XXXX. a firm for discover also sent refund check XXXX XXXX XXXX XXXX all in my name not my husbands. How can they garnish my husbands wages but yet the card was in my name. The Attorn know they ca n't take my XXXX. So they continue to take from his check and he is not even getting a regular XXXX hr a week. We eat XXXX meal a day. How can they do this, I know both these Attorney firms have been in trouble for their collection practices. I know Discover should have been paid it 's not my fault and its not fair to garnish his wages and there are so many other things wrong with this whole thing from Discover on down. Please I 'm begging them to stop please just stop all of them It 's been XXXX I cut up every card we had including Discover. They charged me for XXXX They should owe us for all this mess.
07/18/2022 Yes
  • Checking or savings account
  • Savings account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 943XX
Web
In XXXX, I noticed that I had a total of {$12000.00} withdrawn from my Discover savings account ending in XXXX which is currently closed to prevent any future withdrawals. The money taken out was transferred to a XXXX account in XXXX in increments of {$4200.00} ; {$2100.00} ; {$2400.00} ; {$2300.00} ; and {$1800.00}, which I do not currently own nor have I ever opened an account, but apparently it was opened under my name and had my email and address, which I suspect the thief took my social security number as well. I called Discover to dispute it but they found that it was withdrawn from a reliable device, so they reversed the provisional credits I received and closed the dispute. But it definitely was not me and I'm not sure what device it was to even suspect who could have done it because Discover would not give me that information. I also noticed that my credit report had a hard inquiry from XXXX XXXX that I did not make so I called them and they ruled it as fraud, and I noticed another credit card account was made under my name from XXXX Card but I did not make it so I closed that account as well. I called Discover multiple times in XXXX and in late XXXX and early XXXX to recover my funds but they refused to re-open the investigation, saying I needed more supporting documents. I sent them documents showing my filed Identity Theft report, and closed accounts with the fraud credit card and loan, but they required that I file a police report otherwise they wouldn't do anything. So, XX/XX/XXXX, I filed a police report and sent Discover the report but after calling them on XX/XX/XXXX, they said that they can not do anything without knowing that the XXXX account was closed. I can not contact XXXX without the account number, but because I did not open the account, I do not have that information which I have explained each time given that this is an identity theft issue so I did not make that account. So both Discover and XXXX are asking that law enforcement send a subpoena to them to obtain that information. Discover said to call this number for instructions on how to submit the subpoena to them : ( XXXX ) XXXX and XXXX 's email says to fax it to ( XXXX ) XXXX. Another police officer/detective picked up my case and said they do not send subpoenas but can only do warrants, however the detective said they have no time estimate of when they can get that as they are understaffed and it seemed like she would not get a warrant for a few months. The detective told me that even if I get a warrant for the account number, I would not be able to see it so it's not even guaranteed that I would get my money back so Discover should re-open the case regardless and that I should push back on them, but Discover has not been compliant. It seems like the only thing Discover needs is the XXXX 's account number which Discover themselves has access to, so why should I even have to obtain it? If they truly valued their customers, they should work harder to protect fraud and theft cases like this, and they should work with XXXX to identify the fraud since they have the account number anyway. Obviously the account will have my name because it's an identity theft issue, so they shouldn't close the dispute as quick as that. An unauthorized transaction of almost XXXX XXXX dollars has been made -- this issue should be escalated.
04/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Unexpected increase in interest rate
  • NY
  • XXXXX
Web
I recently contacted Discover Card XXXX on XX/XX/2022 to inquire why my interest rate was increased. Requested a lower rate on my account. The representative informed me that this was not possible since the account is closed. This option is only available on future purchases. I asked why I am paying interest on a higher amount that the balance I owe? The representative told me that the bank charges an average daily balance and that I am at a variable rate and the prime went up/ Incidentally this is Discovers standard answer. Last year I contacted the Federal Trade Commission about businesss practices of this bank. I detailed the bank interest charges on a much higher balance, and informed the FTC of the interest charges on the original balance instead of the current balance owed at the time.. I have been paying discover close to $ 600 monthly to reduce this balance. However, the interest seems to rise as I attempt to bring the balance lower. The issue began when Discover arbitrarily raised my credit limit without notification and between the increased interest rates without warning I suddenly had an enormous credit card bill that was next to impossible to pay down. I have come to learn from dozens of people who experienced the same situation with Discover bank. In addition, I have paid over {$9000.00} over the last three years and yet this balance seems to take forever to pay down. The interest rate takes a substantial portion of my payment. Also, my card payments are never reported to any of the national credit reporting agencies. However, these agencies have the balance I owed, which causes my credit score to significantly decrease. This in turn effects my credit score and raises my interest rate with the bank. They do not report my payments or lower balances to keep me at a high interest rate. I find this to be the worst deceptive banking practices. I am hoping that CFPB can look further into this matter since so many consumers are struggling with the current economic climate. I have faithfully paid my bills over the years and in fact was a loyal card holder before this situation occurred. I closed the account when I attempted to get more information on in the past charges and questioned why I had repeated charges of similar amounts on my card. The balance seemed to escalate in a brief period. This was around when Discover notified me about the XXXX XXXX XXXX and my card was part of the situation, so they changed the number on my card. Incidentally, the credit card number was changed by Discover more than once. The representative I spoke to at the time was very uncooperative. At times he was rude and stone - walled my questions and requests. I called again looking to resolve the matter with another representative I could not get anywhere. I closed the account even though I did not really want to. I had this account for several years, but felt closing was necessary to safeguard the account. As a result, closing the account impacted my credit rating as well. I would like the interest lowered so that I can get the balance paid down to zero in a timely manner. I would like to request that Discover Cards banking practices investigated further. I have spoken to others who have had similar experiences with Discover Card ; they are just as frustrated as I am. Thank you for your assistance in this matter
03/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AZ
  • 853XX
Web Older American
XXXX of 2019 I opened a credit account with DISCOVER Financial services ( Discover Card ). From XXXX of 2019 thru XXXX I never received any account information ( statements ) from Discover about my credit card use, balance, payments due, etc. Finally, I find out after months that they have turned me into the three Credit scoring agencies, XXXX, XXXX and XXXX, as a delinquent account ruining my XXXX point credit score. We contacted Discover Card Services to ask why we were reported to a credit agency when for 5 months we never once received any kind of statement on our card use. We have multiple other accounts and receive statements monthly. DISCOVER stated we opted for a paperless account where we receive no statements. I advised them we did not knowingly do any such thing as all our other accounts we receive statements for and have an OUTSTANDING PAYMENT HISTORY with all our accounts which was why our score was as high as XXXX with all three credit reporting agencies. We offered to pay off the balance at the time to show good faith and to repair the damage they had done to our credit score. DISCOVER Credit Card could careless and did not even attempt to understand our situation and that we would not knowingly ruin our own credit over a {$500.00} balance. Had we received any notifications for payment, they would have been made. Our credit history with XXXX, XXXX and XXXX show all our accounts as stellar on PAYMENT HISTORY. However, DISCOVER WOULD NOT BUDGE nor admit possibly an error was made on their part. There was no consideration whatsoever. I have a other relationships with XXXX, XXXX and others, where I have credit lines of {$20000.00} and higher and have never once been late or had a bad credit report. DISCOVER FINANCIAL SERVICES is not consumer friendly and could careless about who's credit they ruin. I had to speak with a {$14.00} an hour customer service representative and could never get past the front line staff to speak with a manager or someone else who could assist me with my situation. This action on behalf of DISCOVER has ruined my longstanding credit history and is affecting my ability to get low interest loans and many other advantages of a great credit score, which I had for years, before dealing with their unfair practices and unwillingness to help me resolve a glitch in their billing process. I need help or direction on whom I can go to in order to get this black eye exponged from my credit history. DISCOVER CARD needs some lessons in customer service. I work with customers every day and oversee a very large service organization. I would never loose a customer this way if I could help them with a fair and equitable resolution to an oversight in our billilng practices or business processes. If there was a way to RUIN DISCOVERS financial standing in the marketplace I would do so. It is completely wrong that a business can do this to a consumer with no effort to consider perhaps their practices or ways of conducting business many have caused the issue to begin with. How could I have been enjoying a XXXX point credit score with all the other major credit card companies for so long and they not even consider perhaps they made a mistake on our billings? I need some help or direction on who I can go to in order to get DISCOVERS black mark on my credit history removed.
12/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60073
Web Older American
I filed three complaints with Discover Card regarding an cash back offer that they advertised a full cash back after 13 months of usage. I opened the account. At the third month I noticed they listed the accumulated cash back that was {$.00} for each transaction. At the third month I called Discover Card and they said I misunderstood the offer. I did not misunderstand anything, they say one thing to get a consumer to enroll and throw it out the window at their convenience with {$.00} cash. WHO would accept a cash back of {$.00} for 13 months of purchases. I called Discover who insisted I misunderstood their offer. I didn't misunderstand anything, they're offer was bogus and denial. The second two complaints were to XXXX and XXXX because each month my credit card was dropping. I was at XXXX and for unexplained or valid reasoning, my score had dropped to XXXX. WHY? I have no outstanding loans, nothing overdue so what is the reason for the drop. There is no reason, it's their perogative to do as they please with my credit without any recourse for THEIR actions. How could my score to drop so severely with no issues anywhere. Key Factor 1 Number of accounts with delinquency Key Factor 2 Lack of recent installment loan information Key Factor 3 Too few accounts currently paid as agreed Key Factor 4 Length of time accounts have been established No. 1, I have NO DELINQUENT accounts. No. 2, I have no loans for their " lack of recent installment loan '' information. I don't even know what that means since I have NO LOANS. No. 3, Too few accounts currently paid as agreed. I have two accounts, one from Discover which I opened for emergencies only, and my credit/debit account through my bank which I use every day. No. 4, Length of time accounts have been established. If the company makes a mistake such as Master Card charging me twice for the same issue, not fixing it for days, I DON'T TRUST them or their accounting. I despise paying interest so I pay cash to live. I have a house, paid for, I have a car, paid for, I have to eat, paid at time of purchase, I order through XXXX almost every day and everything I purchase is automatically deducted from my bank Credit/Debit Account. This seems to me a rack that CFPB is allowing and condoning. I have no outstanding bills of any kind yet reading Discover 's report I sound like a deadbeat, especially when it is not true. Furthermore, Discover 's cancelling my account is the result of my initial complaint, not for any of the reasons they cite, which will decrease my score again because now I have a credit card cancelled by Discover. It appears Discover is penalizing me for filing a legitimate complaint that they have a duty to answer, not disregard and cancel. Your job is to protect the consumer, you just accept what they say as gospel and consumers are negatively effected. This is all beyond comprehension putting consumers at the mercy of the what the credit card company says. XXXX was just hacked, so why should they have any financial business with my credit? This is a chase your tail game set up by the government and they continue to impune my and other consumer 's credit TO THEIR BENEFIT, leaving the consumer helpless to correct anything. I work very hard to incur no bills or delinquencies and instead of being rewarded as a good customer, I'M PUNISHED,
10/08/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CO
  • 80634
Web
On XX/XX/, I went to XXXX to purchase a vacation package that included lodging, airfare, and shuttle service. I went through the steps on XXXX website including choosing the resort, the airline, and the airport shuttle service. I chose Frontier Airlines since they provided a direct flight from XXXX, Colorado to XXXX, XXXX. As part of the purchase, I entered my credit card information. I completed my purchase and got a message from XXXX that the purchase was rejected as the package was no longer available. At the end of XXXXXXXX XXXX I reviewed my XXXXXXXX XXXX credit card statement and it showed a purchase to Frontier Airlines in the amount of {$220.00} on XXXX XXXX XXXX I attempted to contact Frontier Airlines but they would not speak to me since I did not purchase airfare directly from them. They told me that I needed to contact my booking company ( XXXX ) to resolve the matter. I contacted XXXX and shared that, although they rejected my purchase, my credit card was still charged {$220.00} by Frontier Airlines. They confirmed that the purchase was rejected and that I should not have been charged for anything. I told them that I was, in fact, charged by Frontier Airlines. They said they would escalate this situation to the accounting department and get back to me within 48 hours. They also gave me a case number for this situation. They did not get back to me and I contacted them again a week later. I was hung up on multiple times by XXXX and when I was finally not disconnected, they said it was still under review by the accounting department. I have contacted them an additional four times and was told each time that they would escalate this to the accounting department. In the meantime, I contacted XXXX XXXX and stated that I had been charged for a flight that I never booked and never took. In fact, I never received an e-mail from Frontier Airlines. XXXX XXXX issued a dispute to Frontier Airlines. About two weeks later, XXXX XXXX contacted me and stated that Frontier Airlines submitted documentation stating that the flight was booked and cancelled on the same day. I have attached the documentation that XXXX XXXX sent to me. XXXX XXXX stated that the charge would stand unless I can provide additional documentation from XXXX stating that the charge was, in fact, rejected so they could pursue that with Frontier Airlines. I contacted XXXX again on XXXX XXXX XXXX and stated that the charge was still issued and never reversed even though I was assured the last time that I had contacted XXXX that I would get a credit in 3-7 business days. I told XXXX that I needed an e-mail sent to me stating that the package I had booked with them was rejected so that I could share that with my credit card company. XXXX stated they do not have anyway of sending me a verification of the rejection. They said they dont have an e-mail address to do that ( even though I had to send them documentation that XXXX XXXX sent to me about the Frontier Airline purchase ). Neither XXXX nor Frontier Airlines has taken responsibility for their actions regarding this situation. I have tried relentlessly and unsuccessfully to get the charge reversed as I never should have been charged when the entire package was rejected by XXXX. I am not sure what else I can do to hold the companies accountable and get my money back.
08/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11210
Web
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DISCOVER BANK 2 LATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISPUTE RESPONSE XXXX5 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. I do not agree they did not remove fraud Account PS! THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
12/27/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • XXXXX
Web
I, the consumer and natural person, was denied credit by your financial institution when I applied for a credit limit extension. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15USC169l ( c ) and is pursuant to civil liability under 15 USC 1692k. I have proof that I was discriminated against by your financial institution due to the response I received. Your financial institution is in violation of 15 US. Code 1642, US. Code 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of your financial institution. The actions taken by your institution is impairing the efficiency of the banking system because you are not vested in insuring the accuracy of credit consumer reports. Causing me to lose confidence in the banking system. I am a federally protected consumer and under USC 1692 ( n ) therefore none of your policies or state laws supersede Federal laws. Under USC 1681 ( e ) your company has a duty to assure the maximum possible accuracy. I have found your financial institution has been assuming a vital role in furnishing deceptive forms which is a violation under USC 1692 ( j ). Which have caused years of damage to my and my familys well being. Since You have never provided me with validation of debt or damages ; which is a violation under USC1692g. Your institution knowingly reported personal credit information that was false ; which is another violation under USC 1692 ( e ) 10. I didnt receive any separate disclosure statements of my rights written clearly and conspicuously ; which violates USC 1637 ( b ). Misrepresenting your financial institution as a debt collector since I the original creditor never provided you with written or oral permission to do so violating my rights protected by USC 1681 ( B ) ( 2 ) Your institutions neglectful, abusive, unfair, false and misleading debt collection practices are in violation of USC 1692 ( a ). You must respect my right to privacy under USC 1681 ( a ) ( 4 ) which you have willingly been non compliant to violating my right to privacy as a federally protected consumer. You have used profane language towards myself, the consumer in your statements causing emotional stress and unwarranted pressure. You are subject to criminal liability for violating USC 1692 ( k ). I have also suffered greatly due to your misleading practices and have thought less of who I am because of it and have acted accordingly. I have yet to be able to move out of my parents home for 17 years, I havent even been able to secure any vehicles, modes for transportation besides a bicycle due to the inaccurate reporting your Institution has willfully furnished and shared to other credit bureaus, damaging my consumer report is also in violation of my consumer rights and have caused defamation of my character, my familys character and that of my followers clear violations under USC1692 ( k ). The actions taken by your financial institution involve racketeering through the means of extortion with your harassing and pressuring myself, the consumer, to pay alleged debts.
06/14/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 78621
Web
On XXXX, XXXX I purchased what was advertised as a XXXX*Brand New In Box** XXXX XXXX Programmable Thermidistate that was advertised on XXXX. It cost {$460.00} + {$10.00} shipping + {$39.00} tax for a total of {$520.00}. The merchant is XXXX XXXX, XXXX. The purchase was made using my Discover credit card via XXXX. When I received the item on XXXX XXXX, XXXX it was in a USPS shipping box ( not the original box ) wrapped in bubble wrap, clearly was a used thermidistate and was missing a part. I immediately emailed XXXX XXXX asking him to address the issues. He offered to send me the missing part, refund me if I returned it or he had a different brand, brand new in the box. At this point I had no desire to continue to do business with a dishonest merchant so I elected to return it. Reluctantly, per his request on XXXX XXXX, XXXX ( I waited until after the XXXX rush ) I paid another {$8.00} to have the used item shipped back to him. The {$8.00} included a tracking number and up to {$50.00} insurance but the claim has to be filed within 120 days so that time has passed to even file a claim with USPS. Not to mention now the tracking number has also be archived. I didn't take out any extra insurance because I was certain I was covered under XXXX 's and/or Discover 's Consumer Protection Policy considering he advertised a new item and sent me a used item. Unfortunately, according to the USPS tracking number it was never delivered to him. After waiting a reasonable amount of time for it to be delivered, I opened a dispute with XXXX. After getting the run arounds with XXXX ( they were waiting for the item to be delivered ) I had no choice but to open a dispute with Discover on XXXX XXXX, XXXX to keep from having to pay the {$520.00} charge. I have had to reopen the dispute several times with Discover because they keep resolving the case in the merchant 's favor and apparently XXXX responds back that it is a valid charge. XXXX will no longer talk to me about it since I opened a dispute with Discover. I reached out to the Executive Office for Discover to file a complaint. I spoke to XXXX in the XXXX office ( XXXX ) he said he would reopen the case and review it XXXX final time. The " Final review in progress '' was posted on my account on XX/XX/1922. After not hearing anything XXXX followed-up on XXXX XXXX to only be told from XXXX the review had been finalized and it was in the merchant 's favor. I told him I don't understand how that could be and offered to send him pictures of the used item I received. He basically told me he had no way of knowing that is what I received. Unbelievable, even after I provided them with email documentation from the merchant where he did not deny sending me a used one instead of the a new one as advertised. As of XX/XX/1922 I had not received my letter stating it has been resolved so I followed-up again to find out where my letter is. I was not given a reason as to why I have not received my letter. I need the letter because I'm going to continue to pursue this. As a consumer neither XXXX nor Discover has protected me. To this day, XXXX XXXX I have not received any documentation from Discover and it still shows Final review in progress. I'm thankful the charge is not showing up yet but I'm ready to get this resolved. I've been dealing with this since XXXX XXXX, XXXX.
08/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33133
Web
Discover Financial XXXX XXXX XXXX XXXX, XXXX XXXX Discover Financial Services XXXX. XXXX XXXX XXXX XXXX, IL XXXX Customer Service - General Inquiries Discover Financial Services XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Discover, Thank you for receiving this message. I have always had a good standing account with your company and usually always made the full payment or half payment every month. Unfortunately, back when the pandemic hit, I had just opened a showroom for my business. I invested more than {$100000.00} and two months later, the building was closed because we were above a restaurant. Fast forward to almost 2 years later, I have since then pushed local private client sales, and we recently moved out of the spot as the building owner did not comply with the city permits and the location was deemed unsafe. We are now in a much better financial position, but it took me almost two years to get back on track and push sales by working 7 days a week. I was able to keep my business running and keep my employees because I sold my home and scaled down the expenses. I have always made my payments to Discover but back in XXXX and XXXX things got really rocky because I got sick and my XXXX couldnt produce product because of XXXX XXXX. I had several payments set up, and they returned because we couldnt collect the balances needed on the projects. It was not my intention to be late, but every cent was accounted for and applied to keep the staff food on their tables even when they were sick and couldnt come to work. I have reviewed the statement from back then and I do see that some payments did go through. I am not sure if anything was applied but the credit bureaus are reporting XXXX and XXXX of 2021 as late payments. Now, the SBA has granted us an EIDL loan. This will enable us to keep going now that the worst is over and launch an online store. I am one of the many XXXX who did everything in her power to keep XXXX and even hired friends to help that lost their jobs. Now, I am seeing the light and everything turn around. This was hard. Very hard. As you know XXXX XXXX XXXX do not get stimulus checks. Every XXXX I made I had to support the XXXX and if we didnt get the balances in time, it fell onto me to fund the business. We also had a problem where the bank lost about {$4000.00} of our funds in a transaction that is still being investigated. At this time I am excited to keep going and keep pushing. However, my credit score has been affected from your company reporting. The SBA qualifies the business for the loan, but I need to pull my personal score up. Under the Cares Act, many lenders helped people by forbearing their account. I never expected Discover to do that but I am asking you if you could please remove the late remark on my account. You can clearly see that I attempted to make the payments. And you can see that I am back on track now. If you do this, my personal score will move up from the minimum requirement for our XXXX loan, and I can also pay myself a larger salary which is turn will help me get larger payments back to Discover. If you could please look into my account and apply the Cares Act principals and delete those remarks, it would help me more ways than you can imagine after an incredibly difficult 2 years. Reported Months XX/XX/2021 XXXX 2021
10/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70068
Web
According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Discover Bank, XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX, LOUISIANA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NR/SMS/CAL ) XXXX a financial institution XXXX definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states, " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Discover Bank, XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX, LOUISIANA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NR/SMS/CAL ) XXXX financial institution and XXXX Consumer reporting agencies XXXX, XXXX, and XXXX XXXX not have my consent to furnish this information and they surely do not have my written consent. Any and all consent XXXX, XXXX, XXXX, ( Discover Bank, XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX, LOUISIANA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NR/SMS/CAL ) XXXX it be verbal XXXX non-verbal, written, implied, or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Discover Bank, XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX, LOUISIANA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NR/SMS/CAL ) XXXX never XXXX XXXX XXXX my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency XXXX also make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission, which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
08/24/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 33172
Web
There is a credit card company. Discover Financial Services XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Account # XXXX. Highest Balance {$2400.00} - This balance is fraudulent. I never in my life. I never opened a credit card from this company. I called XXXX and XXXX this credit card company 30 times and sent by certified USPS mail and fax XXXX, the proof. I am a victim of identity theft. Discover Financial Services, they say that action of removed those fraudulent transactions is XXXX XXXX XXXX XXXX XXXX, They do not have a phone number, you have to write by letter and send to the XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX. The tests I XXXX XXXX and sent the proof that I am a victim of identity theft. 2. By fax XXXX : XX/XX/XXXX Notice to Furnishers of Information - Discover Financial Services - XXXX. XX/XX/XXXX Notice to Furnishers of Information - Discover Financial Services - XXXX 1. By certified mail usps : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. USPS Tracking # XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XX/XX/XXXX Notice to Furnishers of Information - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - USPS Tracking # XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX , They have conducted an investigation and below are our findings. 1. The account was opened on XX/XX/XXXX 2. A credit card was sent to XXXX XXXX XXXX XXXX XXXX XXXX ( false ) XXXX XXXX XXXX, FL XXXX. As a result of the above, the account and balance are considered valid. They XXXX XXXX XXXX are rectifying that I am a victim of identity theft why? 1. The XX/XX/XXXX. I XXXX XXXX moved from XXXX XXXX XXXX XXXX XXXX XXXX ( true ), XXXX XXXX XXXX, FL XXXX. - You can rectify on my driver 's license. 2. I never lived there in XXXX. I lived there in the year XX/XX/XXXX. The correct address is XXXX XXXX XXXX XXXX XXXX XXXX, It is not the XXXX XXXX. They XXXX XXXX XXXX, They don't want to delete that fraudulent report on XXXX. I sent to XXXX XX/XX/XXXX Request to Block Unauthorized Charges from Credit Report under FCRA 605B - USPS Tracking # XXXX - XXXX - XXXX - XXXX - XXXX - XXXX certified mail XX/XX/XXXX. XXXX XXXX XXXX XXXX, TX XXXX. XX/XX/XXXX Request to Block Unauthorized Charges from Credit Report under FCRA 605Bt - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX certified mail. XX/XX/XXXX - USPS Tracking # XXXX - XXXX - XXXX - XXXX - XXXX XXXX not want to delete that fraudulent transaction. For those I am making this complaint, because I am a victim of identity theft and have to eliminate that fraudulent transaction. INCIDENT NARRATIVE Mr.XXXX XXXX attempting to report his identity being stolen and used for the purpose of committing fraud. Upon contact with Mr.XXXX, he advised that he currently lives in XXXX XXXX XXXX XXXX, Located trailer park but has all his mail forwarded to his grandmothers residence located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to his constant moving of locations. Mr.Mercado advised that on XXXX XXXX at approximately XXXX, upon doing a credit inquiry he noticed his credit had been used fraudulently without his permission to open various accounts over the years. MrXXXX was able to present proof of a total of 32 accounts on his credit report with 4 showing paid in full, but 28 accounts totaling XXXX which Mr.XXXX advised are fraudulent and never opened by him.
06/21/2017 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 306XX
Web
Hello, I'm complaining about discover card. I didn't make any of these charges. If there is another government agency that would be better able to assist, I request my complaint be forwarded to them. Thank you. I've never heard of these places, I didn't buy anything. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/13/2017 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
  • NY
  • 10463
Web
On XXXX XXXX, XXXX I submitted a signed application which included the contract requirements and terms, for a three year Public Service Deferment from Discover Student Loans. At the same time I uploaded my application/contract, and called a customer service agent to proceed. She indicated that the deferment was APPROVED until XXXX XXXX, XXXX and I received a document from Discover Student Loans indicating these terms. To my detriment, I relied on the promise of this deferment, this contract entered into and agreed upon by both parties, by adjusting me and my husband 's monthly budget for the next 3 years in the form of making promises to pay other obligations, by saving money for emergency and unavoidable circumstances and by changing my pay arrangements and housing agreements to reflect my expectation that I would not have to pay the student loan for three years. On XXXX XXXX, XXXX I received via email notification that there as a message in my discover message inbox. That message contained a document which ( included below ) indicated that my deferment was " cancelled. '' When I immediately called about this unilateral " cancellation '' of the deferment, the supervisor, named XXXX, listened to the recordings of my conversation with the unnamed employee and acknowledged that yes, she did approve my application, enter into a contract with me but that she was " mistaken '' and has since been " educated. '' I had several follow up conversations with XXXX where I informed him that this was not a misunderstanding, but was a real contract, that I relied on, that the proof of its creation is both in paper form ( see attachment ) and in the recordings. I asked him if our conversations were also being recorded, and he said yes, so there is proof that he agreed that I had been approved for the deferment. However, after even more phone calls, Discover Student Loans refuses to perform their end of the contract and only would offer me a one month forbearance to decide if I wished to apply for a XXXX forgiveness. On XXXX XXXX, XXXX, I called again and spoke with a female supervisor who refused to provide me with the legal phone number or address of Discover or Discover Student Loans. I told her that I am an XXXX ( I 'm a XXXX XXXX ) and that if I am forced to file a civil complaint, I will be requesting damages that include my attorney fees, which I am billing and that the damages would far exceed the balance on the loan and that it was in the company 's best interest to allow me access to the legal department with the possibility of a negotiation or settlement of the issue without a formal suit. She refused to assist me further. I have proof of this contract in paper form. Also, a letter needs to be sent to them to preserve all audio recordings. All i want is my deferment. I have no other ones left as I used them during all the many years I have suffered on XXXX leave from my job, and my monthly payment, which continues to grow from {$280.00} a month is in excess of what I can afford when coupled with all my household 's other expenses and bills. I need assistance getting access to the legal department, making them uphold the contract and perform and, if they are not willing, filing a suit for breach of contract, promissory estoppel and detrimental reliance. Is there any one who can assist me?
03/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 207XX
Web Servicemember
XX/XX/XXXX : Divorced from my now ex-wife, she was ordered to close all joint accounts within 10 days of the decree being signed, and all accounts were paid from an escrow account through the lawyer. I have the statement showing the balance paid. I attempted to close the account with Discover Card and I was told I could not because I was only an authorized card holder. XXXX : Discover Card associated the credit card with a new account number but my name remained on the account. ( I did not find this out until Discover Card sent me all of the credit card statements from XX/XX/XXXX to present ). Summer XXXX : Realized that the Discover card account was never closed, my ex wife had continued to use the card ( against court order-proof in the decree ), and that she had then gone delinquent in payments in excess of 180 days. I attempted to call Discover Card to have the issue fixed and then was told that it was a joint account and I was responsible for the debt as well. This is in direct conflict to what I was told when I had attempted to close the card in XXXX. My ex wife had her lawyer draft a statement that she was solely responsible for the debts incurred after the original balance had been paid off, and all charges were without my knowledge or consent. I filed a complaint with Discover Card and all credit report agencies. The dispute showed up on my credit, even though Discover Card denied the dispute and kept the account history on my account. My credit score at least improved and the dispute showed up on my reports. late XXXX : I received notification that my credit score dropped by over 100 points. Upon inspection of my credit report, it showed the dispute had been removed from my account. This is contrary to the letter I had received from Discover Card stating the dispute would remain on my report until I asked for its removal. I never authorized the removal of the dispute. Early XXXX I sent a second dispute to Discover Card, again requesting that all account history from XX/XX/XXXX to present be removed from my credit report. I received no response even though I sent the letter via certified mail, and received confirmation that they signed for the package. What DID happen, was my ex wife 's name then became associated with my new address and we now receive her collection correspondence and credit card offers to our address. She has never lived here and her name should not be associated with my address in any way, shape, or form. I also only see the payment history for that account on all 3 credit report agencies from XX/XX/XXXX ( when I made the original dispute ) to present. This continues to negatively affect my credit, having gone from a low-mid 700s to a low 600s. I hold a high security clearance and if I can not get this issue resolved, I could potentially lose my security clearance, and my job that it is associated with. Additionally, my wife and I are unable to buy a house, as my ex-wife has gone severely delinquent AGAIN on this account and not only is not paying, but the payments that are auto-paying are being returned. I have attempted several times to resolve this issue with Discover and they refuse or flat out ignore me. I have included the same documentation I sent to Discover Card. The divorce decree, the lawyer letter, and the credit card statement.
03/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem getting a card or closing an account
  • Trouble closing card
  • AZ
  • 86326
Web Older American, Servicemember
I previously submitted the complaint to you on XX/XX/XXXX through your websiste. You emailed me that you contacted Discover Card, and they were processing the refund deposit within 60 days! The refund should have been sent 6 weeks ago. Why should they have any more time? When I phone them now ( several times ) to find out if it has been mailed out ( so I can watch for it ) I am put on hold and no one picks up. This is another delay tactic of Discover Card to continue using my funds to make interest on the money. I wonder how many hundreds or thousands have been intentionally mistreated this way. I bet some people just give up ; then Discover Card just keeps their money. Do you think it would do any good if I sue them in small claims court? Or if I try to find others who have been deceived like this and file a class-action lawsuit? I was also told that if they can not refund to a bank account unless they send checks twice that are not received by me. Another delay tactic. Can you please help? Thank you XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Here is the previous complaint I submitted to you XX/XX/XXXX : " Discover Card Company ... secured credit card deposit REFUND. I applied for a secured credit card by phone ( around the end of XX/XX/XXXX or beginning of XXXX, XXXX ) with several follow-up calls, and also sent info by email. The process was complicated and frustrating ; their agents each told me different answers to questions. I let them debit my checking account for {$300.00}. After I submitted the deposit, I was told to call to activate the card. I called. They said that they needed three months bank statements. I had moved from XXXX XXXX to XXXX, XXXX, recently closed my checking account in XXXX, opened a new one in XXXX, and did not have easy access to 3 months statement. Waiting for 3 months for new bank statements was longer than the amount of time they were allowing to submit the information. After so many phone calls, several requests from them for me to submit additional information, being put on many long holds, and being transferred from agent to agent, I decided during the activation process to cancel the card. It was " NEVER ACTIVATED '' and could not be used. The agent cancelled the card and said it would take 2 monthly payment cycles plus 10 days to send me a refund check on XX/XX/XXXX. Later, I spoke to an agent who told me that since the card was not activated, I could receive an expedited refund in 13 days. No refund came to my account or by mail. I called and was told no refund issue was in their records, and that they would re-submit the refund request ; it would take another 13 days. 13 days passed, and no refund. I called and was told the records showed a refund was authorized ; but no action had been taken, that my conversations with approximately 12 different agents did not show in their records, and it would take another 13 days! No refund came. With various 'stories ', they have continually, intentionally delayed the refund ; and I am concerned it will never be refunded! I suppose some people just give up. I believe they cheat people out of refunds and/or delay refunds to increase their " interest income ''. Can you help me to receive a prompt refund? Discover Card has my current address. ''
06/15/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Add-on products and services
  • NY
  • 14051
Web
I am writing to notify you and seek your assistance with a consumer concern regarding Discover Financial Services XXXX XXXX Credit Card XXXX. Beginning in XX/XX/XXXX XXXX as far as my account history can tell, this date XXXX in fact begin even sooner XXXX, my credit account with XXXX has been signed up for their XXXX Payment XXXX XXXX which carries a monthly fee that is based on the existing balance on the card. I was led to believe that this service and the associated fee were not optional and were linked to the account just as the monthly interest fees are attached. Since XX/XX/XXXX, this fee has added an additional {$5400.00} to my account, not counting the interest charged on this balance. Despite making payments greater than the minimum balance due, I have been unable to fully pay off this account because my payments were being directed to cover interest and the protection plan fee thereby allowing the account balance to continue to increase and accrue more interest and increase the cost of the protection plan each month. During this time, I experienced several of the qualifying events under which the protection plan may be used including : involuntary unemployment, federal or state disaster ( via the ongoing COVID pandemic ), marriage, new job, and job promotion. Despite these qualifying events, I was unable to utilize the XXXX XXXX because XXXX failed to clearly communicate the details of this service that I have been paying for over several years. After researching the unethical and potentially fraudulent methods used to add this plan to my account, I have found that several other XXXX customers experienced the same tactics. This is clearly representative of a widespread communication failure from XXXX to provide their customers with clear and concise information about their services. In addition, representatives of XXXX used unethical or fraudulent tactics to sign customers up for their XXXX XXXX by disguising it as a mandatory program or by inferring that it carried no additional cost. Instead the details of this program are hidden in the annual statement summaries which are deleted from the account holder 's inbox after 180 days. XXXX has not been able to produce documentation indicating when and how I became signed up for this program. On XX/XX/XXXX I contacted Discover Financial Services to request cancellation of the Payment Protection Plan and a refund of all monies paid beginning with the initial sign-up as this was conducted under false pretenses which indicated that this was a mandatory program. The representative cancelled all future participation in the protection plan and refunded 6 months worth of recent transactions totaling {$950.00}. In addition, on XX/XX/XXXX, a representative agreed to refund {$160.00} which was processed later in the day on XX/XX/XXXX after the cancellation of the plan. This reflects an agreement from Discover Financial Services that their tactics were at best unethical and at worst fraudulent. However, they claim to be unable to refund any additional payment plan fees dating prior to XX/XX/XXXX. This appears to be an arbitrary date and a reluctancy for XXXX to refund additional funds that were paid under false pretenses. The remaining unrefunded balance totals {$4300.00} which I am requesting resolution to have refunded.
06/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75082
Web
On XX/XX/2021 I lost my wallet at a gas station and upon receiving a message from Discover that I reported my card lost or stolen, which I did not, I contacted them and was told that someone found my card and wanted my # to contact me and was planning on dropping off my wallet to my leasing office, which he did. Since they were unable to supply my personal info, they took precaution and reported it lost or stolen on my behalf but when they did that, a new account number was created and reported to my credit with my current balance during my statement cycle. I have kept my utilization under 10 % at the time balance is reported to the credit bureaus on the XXXX of each month. I am not sure why they would report someone's balance during a statement cycle and before the payment is due knowing that the card may have been used. My score decreased by 72 points and they said the only alternative was to make an early payment so that they could report the new balance sooner than later but the update will not raise my score 72 points to its original score. The purpose of the Discover IT card is to help rebuild one 's credit so why when a card is reported lost or stolen, the account is submitted to the credit bureaus with the current balance which hurts one 's credit? My basis for this complaint are based on the below : Unfair Acts or Practices 2 ) The injury is not reasonably avoidable by consumers : I am unable to have my credit rescreened for a lower auto insurance premium and will have to pay a higher premium due to a new vehicle that I purchased. I will not be able to apply for loans, etc while I am in school due to the significant drop in my credit score. I was unable to avoid this situation because when my card was lost at a gas station, a customer found it and called Discover to try and get my information to contact me to retrieve the wallet. Discover took it upon themselves to report lost without notifying me. The customer was nice enough to use the address on my DL to drop it off at my leasing office but could have decided to not do anything if he did not want to take the effort to drive to the leasing office. This was also not reasonably avoidable because the Credit Reporting and Unauthorized Use section of the cardholder agreement does not state that if ( in this situation ) someone calls on a customers behalf to report it lost/stole that Discover will close the account, open a new open a new one and then report the current balance to the credit bureaus during a statement cycle which will have a negative effect on the credit score and utilization. Discovers current policy is deceptive due to the omission of the procedure and the fact that that it was acknowledged by 2 executive parties that they were unaware of this sort of complaint and the credit liability it has on its customers. The lack of information on the cardholder agreement and website is more than likely to mislead consumers. As noted on a phone call with XXXX, the Discover executive and the response received in a BBB complaint filed, Discover agrees that my reaction to their policy is reasonable and understandable and unavoidable due to their lack of disclosing their lost/stolen credit card policy. This act or practice is abusive because there is ( according to Discover ) no remedy to this situation.
08/22/2017 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • CT
  • 06810
Web
On XX/XX/XXXX I started paying back my loan with a monthly payment of XXXX. XX/XX/XXXX I asked for a deferment because my job cut my hours due to one of the doctors leaving. Deferment was for XX/XX/XXXX, and XX/XX/XXXX. During the deferment period I still made payments towards my loan, so interest would not go u to high. OnXX/XX/XXXX I received my new bill of how much I would be paying a month now after my deferment. The monthly amount now would be XXXX a month, which was a little bit of struggle for me, but I continued to pay the bill to the best of my ability. During that time I even called to see if there was any way to lower the loan with a program, but unfortunately the programs would make my monthly bill after six months to high for me to afford. In XX/XX/XXXX I received a letter stating that the loan company was going to change the amount I pay a month and the date I pay it on to XXXX on the XXXX of each month starting XX/XX/XXXX. The wrote as explanation that they are changing it because I would not have aid my loan in full with in my current payment terms, so my monthly amount needed to be adjusted. I have a fixed rate with the loan company and I was already paying XXXX a month for almost about 4months. I called Discover student loans services and explained to the representative my situation, he transferred me to the accounting department, where someone could explain and help me figure out my payments. Once I was transferred over I was told that about the six month program once again, which I explained I do n't want to do that because I do n't know if I will be able to pay more in six months. I asked if he could give me a more detailed explanation as to why all of a sudden they were changing my bill. He tried to blame it on my deferment in XX/XX/XXXX, but I explained to him that was n't the case because I have been paying XXXX for almost 4 months now. He asked if my loan was at a fixed rate which I told him yes. Then he asked me to read what the letter said. Which I did and all he said is that was the reason. He did not give me no real explanation and he even told me he could not doing anything about it going up. he just basically kept going back to either six months programs were I can pay XXXX a month and that would bring it down back to being XXXX after six months. I explained I do not have that type of money I have 3 other student loans and I am already having a hard time paying this loan. Which he just kept throwing number at me and I tried telling him this does not work for me because I do n't have any extra money at all. I also explained to him I 'm lucky to have parents because if I did n't I would living out of my car with the amount of money I pay you guys a month to try to show him my point of where my financial status I right now. He basically said he can not put it back to being XXXX a month all he could offer me was the payment choices he just said to me. I ended the phone call with discover because they did not help in any way at all. They could not give me a real explanation about my payments and I felt like they were digging my financial hole deeper. It concerns because what if they send me another letter in four months stating the same thing in this letter raising my monthly payment even though all my loans are on fixed rate payment agreement.
08/01/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • AZ
  • 85286
Web
I have sent a letter out to a third party debt collector XXXX XXXX XXXX The letter is asking to remove presumption of the alleged debt. Uniform Commercial Code ( UCC ) is a set of laws that provides legal rules and regulations governing commercial or business dealings and transactions. The following questions were : U.C.C 1-206 to remove presumption, U.C.C 2-206,7 credit agreement or title of the contract or consideration, and U.C.C 3-309 records of deposit ( book entries ) .I mailed out a dispute to XXXX, XXXX XXXX XXXX by certified mail which required a signature, the tracking number XXXX XXXX XXXX XXXX, which they signed and received on XX/XX/2016 XXXX mailed out statements of transactions that accrued. They did not answer any of the questions I inquired about. I ask for due process which is my right. XXXX XXXX XXXX is a buyer of the charged off debit 1. The entity of charger a debt that has been charged-off by the original creditor for which they have either received credit via taxes and/ or other benefits for which they have not documented the account and made adjustment what respects the such credit and /or benefits. The amount of tax credit should have been reported and forwarded a form XXXX to me that I would be reporting it as income. The original creditors failure to accurately document the account as to any or all credits to the account and/or debits from the account is a direct violation of THE FAIR DEBT COLLECTIONS PRACTICES ACT, FAIR CREDIT BILLING ACT, LENDING ACT, and a violation of my due process rights as this is the case in this instance. XXXX XXXX XXXX only gave me statement and a copy of the the contract they are not the first hand party to the aggreement. I also got a summons which they are suing me with no standing evidence. I gave them court cases by the U.S SUPREME COURT RULING, Title 15 United State Code ( USC ) section 1692, the Fair Debt Collections Practices Act, section 1601, the Fair Credit Billing Act. and Uniform Commercial Codes ( UCC ), section 203 Banking and Lending Act. THEY CAN NOT ISSUE CREDIT by becoming a surety, endorser or guarantor for another. Credit is the opposite of money. Money, which is legal tender for the payment of all debt is defined by Congress in 31 USCA Sec 392. The Federal Reserve Policies and Procedures and the generally accepted accounting principles ( GAAP ) requirement impose upon all Federally-Insured ( FIDC ) banks under Title 12 of the United States Code, section 1831, prohibit banks from lending their own money from their own assets, or from other depositors. Banks dont have money to lend, bank create money by exchanging the contract in to a bank note or a negotiable instrument of value then writing in book entries a demand of deposit then using book entries of liabilities assigns to the consumer as myself. The signature who created the note is the creditor ( myself ). Bank cant secure any credit/loans at all. I ask then show me that the lent out their assets to cover the transation of the credit card. They did not answer. I provided this statement with my answer and motion to dismiss which they are not answer and thing I requested. I will not consent to any court that does not recognize my question and answer I am getting other motions being forward from the XXXX XXXX XXXX. I AM BEING SUED AND HARASS.
03/28/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30044
Web
I have made an online purchase from XXXX with my Discover credit card on XX/XX/2021 for {$200.00}. I have been checking up with the merchant website and the delivery was still in transition. On XX/XX/2021, I called and the merchant. The merchant does not have any additional info as the package was showing up as on route. On XX/XX/2021, I got an email stated the package was delivered on XX/XX/2021. I tried to work with merchant right away as I have never received the package but was told to file a dispute with my credit card company, Discover Card. - On XX/XX/2021, I have called XXXX to start the dispute process - I have created a letter with the break down and time line of this purchase and the attempts to resolve the issue with merchant but was unsuccessful. - I also uploaded the supporting documents to show I have not receive the package and that I wasn't notified of the delivery until 7 days after the package was supposedly be delivered - In the early XXXX, I called the Discover and spoke to the billing/dispute department to make sure they have receive all my documents and to check on the status. I was told that they have received the documents from me and is pending the merchant to respond to the dispute. The discover reviewed my documents with me over the phone and understand the sequence of events but advise me to wait until the merchant respond first. - On XX/XX/2021 I got an email from Discover reject my dispute - I called Discover card request for consideration as I do not believe Discover has conduct a fair and good faith investigation. I have stated that I have never received the package. However Discover based their investigation on the merchant 's delivery company who did not advise XXXX and the customer until 7 days after. And based on the delivery 's company 's tracking log, the package was never updated when the package was on route/out for delivery - However Discover refused to look into this matter more and to review my response to the merchant 's respond. - The Discover rep stated nothing they can do and transfer to me fraud department for further clarification - I spoke to Discover Fraud department who again refused to look into the case and stated that it was me who made the purchase so they are not going to investigate -On XX/XX/2021, I had to go back to the Merchant for dispute reconsideration and called Discover who again refused to provide me with any additional support and would not let me to speak to a supervisor at the time and will have a supervisor call back - On XX/XX/2021 and XX/XX/2021 I have again called Discover to check on the status of the supervisor call back as I I have not hear back from Discover XXXX and no voicemail left XXXX. I was placed on over XXXX minute hold before the call got dropped. - On XX/XX/2021, I have filed a complaint within Discover card with the above issue and also I was not able to be talking to the supervisor per my request. The customer service rep stated that she will file a complaint in Discover on my behalf. Still have no resolution at this time I am disappointed at Discover Card 's bad faith investigation and failed to provide the consumer with reasonable assistance and protection after the customer has provided all the documentation indicated the package was missing and was never received.
12/12/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Need information about your loan balance or loan terms
  • NJ
  • 07307
Web
A {$30000.00} loan was taken out in my name with Discover in XXXX. This loan was taken out by father, who passed away on XX/XX/XXXX. I did not find out about this loan until late XXXX or early XXXX, after graduating from XXXX XXXX. By XXXX or XXXX of XXXX, I had received communication from Discover that I had a loan that was past due and if payment was not paid immediately, the loan would come due all at once. I spoke with Discover representatives and explained that I did not apply for or know about the loan, but because it was connected to my social security number and was negatively impacting my credit score ( and a threat of {$40000.00} becoming due at once ) I began to make payments. The loan was apparently put into deferment while I attended XXXX XXXX, accumulating an incredible amount of interest on an already large loan. After beginning to make payments, I contacted Discover several times to discuss that the loan was fraudulently taken out in my name and that I was not aware of it. A representative informed me that I was listed as the principal borrower and my father had named himself a co-signer, so upon his death I was left with the loan I did not apply for or know about. Finally after two years of payment and discussions with Discover representatives, in XXXX, I was told that my loan would be referred to the Fraud Unit. I submitted an affidavit explaining many of these facts and more. An investigation was conducted and no fraud was found. I asked what items were reviewed during the investigation and was told that it was proprietary. That is not accurate nor an adequate explanation. I intend to seek additional review of the fraud investigation but every time I speak with Discover I am on the phone for at least 45 minutes to an hour. Because their customer service hours coincide with my work hours, often times I can not get on the phone to deal with the issue. In sum, a {$30000.00} loan ( now upwards of {$44000.00} even after 2 years, including some months of forbearance, with payments of anywhere from {$400.00} to $ 540+ ) that was taken out in my name by father, without my knowledge or consent, was investigated by a Discover fraud unit over a short period of time and they will not disclose what documents were reviewed. These documents show that I did not fill out the application, all contact information was that entered by my father ( who obviously had knowledge of my personal information ). They will also show that any initial payments on the loan were made by my father or stepmother. Discover 's first contact with me was not until late XXXX or XXXX, despite the loan being taken out in XXXX. I should not have to continue to bear the burden of a loan that was taken out in my name without my knowledge, while I made the decision to attend XXXX XXXX and take on additional loans. Luckily, my XXXX XXXX was paid through Federal Loans that I knowingly agreed to and was prepared to properly manage. My financial decisions made while in XXXX XXXX ( relating to loans, living expenses, etc. ) was made without the knowledge of a substantial private loan that was taken out in my name. This has drastically altered my financial fitness and Discover has been difficult to work with in this regard, despite my repeated requests for information and review.
10/07/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • GA
  • 30067
Web
I will be graduating from XXXX University XXXX XXXX XXXX on XXXX XXXX, XXXX. As grades will be posted XXXX XXXX, XXXX the XXXX XXXX date is what is reported to the XXXX and my student loan companies. Discover Student Loans services a large portion of my private loans and is advising me I will receive a bill sometime after XXXX XXXX that is due XXXX XXXX. Considering Discover 's billing cycle is 23 days I have inquired why that is and they are stating if they can get a bill generated within 14 days they find this period to be reasonable. As such if my reported graduation date was the date of the actual ceremony ( a mere 6 days ) I would not have a bill due until XXXX XXXX, XXXX. This seems like a direct admission that discover is using a 3 day window to unfairly demand payment. I find it unreasonable to send someone a bill and expect payment within two weeks which for most Americans is XXXX pay period. Excusing the fact that this will also be due 3 days after XXXX, the only solution Discover is offering is that they have no late fees and I will have until XXXX XXXX, XXXX before my payment is considered late. This is not a viable solution as once my loans are in repayment I will have to use XXXX checks that I receive in one month to meet the payment due. If I pay the loan the way Discover is suggesting I will continue being near the " late date '' every month. Furthermore, for a lender that does not consider or factor your income ( {$42000.00} ) and simply requires payment based on their calculations Discover should not suggest to ANYONE how to pay their student loans based on when they are receiving paycheck considering Discover does not offer income based repayment. I have tried on several attempts to circumvent defaulting on my loans with Discover and have been successful thus far, however Discover advising me two weeks before a payment is due is not only inappropriate it is an unacceptable practice that should not be allowed. I am not requesting a month of forbearance or anything of the such I am requesting an appropriate billing cycle like everyone else is allowed so that I can budget between Ramen noodles, rent, and not defaulting on loans that offer little if any repayment options. Please also consider that I receive my current student loan statement on the XXXX of each month. As such I would receive a statement on XXXX XXXX, XXXX showing my loans are in deferment and no payment is due, to then receive a statement a week after the XXXX telling me I have 10 days to pay my loan? This is the very definition of unreasonable. I am looking simply to have my student loan payment due XXXX XXXX, XXXX instead of XXXX XXXX, XXXX less than two weeks after I even receive my diploma. This means my next loan statement on XXXX XXXX, XXXX would allow ample time to budget and pay the sizable amount due. I am not sure that this practice is illegal or discriminatory, however I am absolutely certain that is it unfair to expect graduates to make payments 17 days after their degrees are conferred which is less than the company 's billing cycle. I wonder how many other students Discover may have put in a similar situation-who then felt they had no choice but to default? I appreciate any assistance in this matter and look forward to your reply. XXXX XXXX XXXX XXXX
01/30/2023 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • NY
  • 105XX
Web
Good afternoon, I am submitting this complaint based on the events of Friday XX/XX/2023. On this date I continued to receive multiple calls from Discover Student Loans ( DSL ) regarding a payment due of nearly {$2600.00}. I am aware my co-signer was receiving the exact same numerous calls for the exact same collection amount for nearly {$2600.00}. I am also aware that my co-signer advised Discover Student loans ( on their recorded lines ) that they, DSL were placing my job in jeopardy and please do not call her, me again but to only call my co-signor. DSL said no that we have separate accounts. However, it is the same student loan account for the exact same collection amount they were calling each of us on. My co-signer believed that it was for my safety that I had my cell phone on at work. While safety is one very important reason for me the other significant reason is that I use my personal cell phone for work. Often times I was on XXXX meeting at work when I would receive multiple calls from XXXXXXXX XXXX - DSL during the business day that would appear on my screen while my team leaders or co-workers were speaking, and for all to see. It was humiliating and disruptive. During these work meetings I participated in my supervisor leading the meeting would often interrupt our XXXX meetings and turn the focus upon me to ask if I needed to address the matter that was urgently and repeatedly calling me which was clearly unrelated to my work. It was terribly embarrassing. I felt such shame each time it occurred. I have been warned at work no personal calls. The DSL calls created enormous XXXX for me. On Friday, XX/XX/XXXX one day after DSL received notice not to call me, they continued to call me throughout the day while I was at work. My co-signer received NO calls that day. I did contact DSL on my commute home and when the DSL representative began to speak after being advised I was on a recorded line, and they were attempting to collect a debt. I asked what I owed. According to the DSL rep I spoke with it now exceeded it {$2600.00}. I asked what this amount represented? The DSL rep advised for XXXX and XXXX. I informed her XXXX was not late and XXXX was not due she replied : " I really don't know myself ". I will check, could you please hold on. I tried to hold on the line, but my train arrived, and the line disconnected when I boarded. DSL continues to call me. DSL was calling me continuously to collect a payment for XXXX ( not late ) and a payment not even due for XXXX. The collection practices of DSL are unfair. The reporting negatively to the credit bureaus is wrong. The rates that DSL gave me was the rates I " qualified for '' by DSL and they presented me the loan contracts to sign. I feel that my rights as a consumer do not exist. I believe I am a victim of predatory lending and bad faith practices. I do not understand why my loan, a private loan has no rights according to the laws and will allow this company DSL to victimize me. I do not even know if DSL held the interest rates properly on my account from start of pandemic to current day. I hope you can help. DSL has caused harm to my quality of life. DSL has compromised my employment without regard or respect for me as a woman, a person, their client. Thank you for your kind consideration and help.
04/13/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CT
  • 069XX
Web
As per regulation of the Consumer Financial Protection Bureau, I am writing to inform you of a missing payment billing error on my Discover Card Account. On Tuesday, XX/XX/2023 a payment of {$100.00} from my XXXX XXXX Account, was made to my Discover Card account, but this payment has not been reflected on my statement. I have reviewed my records and confirmed several times with my banking institution, XXXX XXXX, that this payment was withdrawn and posted on my account at XXXX XXXX, XX/XX/2023. A Dispute was opened on my behalf by a Discover Representative on XX/XX/2023 to look into the matter further. To which I was asked to further provide documentation, which included statements and an electronic transmittal form to prove the payment was made. Upon several one-on-one conversations with XXXX XXXX and three-way-calls between Discover Card Representatives and XXXX XXXX Representatives, it was made clear that XXXX XXXX does not have such protocol of an electronic transmittal form. Regardless, in the interest of the dispute, XXXX XXXX has provided several Official Statements, verbal confirmation confirming the transaction to Discover Card Representatives, and Secured Email documentation from supervisors proving the transaction occurred including a trace number. I have also provided proof of the {$100.00} transaction in the forms of Electronic Statements from my XXXX account dashboard, letters I received from XXXX XXXX, and proof of the Secure Email from the XXXX XXXX Supervisor. All these attempts have come to no avail, as Discover Card Dispute team closed my case on Friday, XX/XX/2023 stating the following : We have completed our investigation into this payment dispute and have found that the payment was processed as expected or no error occurred. You can expect to receive information on this decision to be sent to you via mail or secure message at Discover.com. Please review this information when it arrives for important details summarizing this dispute inquiry. Please notify us as soon as possible if you wish to continue this dispute Despite providing all the proof of transaction possible, Discover Card is wrongfully withholding proof of this payment from my statement. The {$100.00} payment was done manually via the Discover Card Account portal, on Tuesday, XX/XX/2023 and withdrawn from my XXXX XXXX Account Tuesday, XX/XX/2023. XXXX XXXX has confirmed several times that this payment was withdrawn from my account, and has proven via statement, verbal confirmation, and official letters that the money was in fact sent to Discover. Discover is continually asking me to retrieve documents known as an " electronic transmittal form ... which is out my control and ability to attain, as I've been told several times XXXX XXXX does not have this protocol. I've made several attempts to provide them with all other sustainable forms of proof I can possibly send them, and they continue to be of no assistance. All in all, money was withdrawn from my account by Discover, and that is reflected on my XXXX XXXX Account. It is now up to Discover to do the right thing and to uphold my Consumer Rights and reflect that payment on my statement as well. They have the money in their possession, it is now needing to be reflected on my credit card statement.
01/24/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 07050
Web
This is a follow-up complaint to complaint number XXXX that I, XXXX XXXX filed against Discover XXXX Discover alleged that I owed them a statement balance of {$12000.00}. As pursuant to 18 USC 8, all bills and coupons are obligations of the United States. As Pursuant to 15 USC 1602 ( l ), the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I'm the original creditor of all credit transactions since my social security number, which is a credit card pursuant to 15 USC 1602 ( l ), was used to make all credit transactions. Discover is a third party creditor attempting to collect on a debt that was already paid, which is a violation of 15 USC 1692j ( a ). and the credit was extended by me the original creditor. Discover sent me previous billing statements attempting to verify the alleged debt. On XXXX XXXX I sent Discover a letter asking them to send validation of this alleged debt. I asked Discover to provide the information provided below : -Complete payment history, the requirement of which has been established by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXXXXXX XXXX XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe. -Date of Last Activity -My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from. -The agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. -The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company binds me to an agreement to pay your company any money that you claim I owe. -Proof of photo identification ( i.e., driver 's license, state identification card, orother government-issued identification card ) that waspresented to youat the time of incurring this debt. -Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. -Proof that this debt has not beenwritten off as a tax liability. -Any other intimate knowledge of the creation of the debt by you, the collection agency. My debt validation letter was received on XX/XX/XXXX. Discover has yet to provide me with proof validating the alleged debt. Discover has even attempted to resume collection activities, which is a violation of the FDCPA 809 ( b ). Discover has charged me late fees which have increased the alleged debt to {$12000.00}. My credit score was also negatively impacted and dropped from a XXXX to a XXXX.
04/29/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • NY
  • 11722
Web
On or about XX/XX/2022 I received Discover Bank member FDIC Account Summary with payment coupon attached showing an total balance amount of {$6500.00} owed to account owner XXXX XXXX XXXX. XXXX XXXX XXXX is the person to whom the debt arising from the Discover Bank consumer credit transactions is initially payable on the face of the Discover Bank monthly account summaries. See also, 15 U.S. Code 1602 ( g ). On XX/XX/2022 I recorded my acceptance of the price and amounts owed to me with the XXXX XXXX XXXX XXXX XXXX XXXX Georgia in book XXXX on page ( s ) 1064, 1065, 1066, and 1067. My acceptance of the personal security owed to me was authenticated with qualified endorsement by me and duly recorded for bookkeeping journal entry. I registered my ownership of the security made payable to my order and delivered the same for deposit to my Discover Bank account ( see attached copy of certified recording ). On XX/XX/2022 I mailed to Discover Bank and XXXX XXXX XXXX XXXX Vice President, Chief Financial XXXX notice of my acceptance with assignment and instructions that I wanted the registered item deposited in my discover bank account. The original item, payment coupon, qualified endorsement XXXX, and deposit receipt were delivered with instructions to Discover Bank at XXXX XXXX XXXX XXXX, PA on XX/XX/2022 for deposit and credit to my account ( See Attached proof of delivery and service for XXXX XXXX Mail Tracking # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Vice President, Chief Financial XXXX also received delivery of copies of the deposited item along with the certified copy of the recorded assignment and instructions on XX/XX/2022 via XXXX XXXX Mail XXXX # XXXX XXXX XXXX XXXX XXXX ( See Attached proof of delivery and service ). As of the date of this complaint Discover Bank has not deposited the item and has failed to credit my account by midnight of the business day it received the item. At this time I believe discover bank may have misappropriated these funds for unjust enrichment. I have attempted to resolve this matter directly with Discover Bank, and its officers XXXX XXXX XXXX, Chief XXXX XXXX and President and XXXX XXXX XXXX XXXX Vice President, Chief Financial XXXX. At this time I believe that Discover Bank is willfully in violation of the Matching Principle under Generally Accepted Accounting Principles ( GAAP ) provisions found at 12 U.S. Code 1831n. Accounting objectives, standards, and requirements dealing with XXXX XXXX XXXX XXXX XXXX for XXXX. Discover Bank has taken adverse action against me and has closed my account wherein I no long have access to my credit which was being used for my personal, family, and household benefit. I request that the FDIC intervene and conduct an audit of Discover Banks accounting records to find were the misappropriated funds have been allocated so I may receive the payments owed to me from my deposits. Further, I am including with this CFPB complaint my supporting Affidavit of Facts. I am also requiring that XXXX XXXX XXXX, XXXX XXXX XXXX, or another employee, XXXX, or member for Discover Bank XXXX Member FDIC ) who has personal knowledge of and access to XXXX XXXX XXXX ' Discover Bank banking records ( " Accounting Records '' ) sign the attached " AFFIDAVIT FOR VERIFICATION '' enclosed with this complaint.
06/12/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • NY
  • 10011
Web
I applied for a Discover card on XX/XX/21 and was approved. An email sent that day confirmed : " Congratulations, your application is approved! Your card arrives in 5-7 days, but you can see your credit line and approval details at our website right now. '' The email includes a link for " see my info '' which links to the Discover website. This info says : " Congratulations! You're approved for a Discover Card. Welcome! Soon you'll be earning rewards on every purchase with your new card. So watch for it in the mail - then activate it right away. Your credit line is [ redacted ] '' On XX/XX/21, I received an email from XXXX with an XXXX logo in the email, which stated : " Discover Financial Services requires your consent to receive tax information from the Internal Revenue Service ( IRS ) to verify information on your account. Within 5 days, please click the 'Review and sign ' link above to provide consent via IRS Form 4506-C. Until this verification is complete, a temporary hold has been placed on your Discover card account. Your account will be closed if you are unable to provide the requested consent by the indicated response date. '' The email looked like a scam, and I checked my account info on the Discover website. Nothing had changed from the first check on XXXX, stating that my card was approved and on the way. I called Discover and was shocked to find that this was a real request being made, though it is not reflected in my account information online and the email does not come from Discover. I verified with Discover that my account was officially opened. And if I did not comply with the request to give access to my tax return, my account would be closed. My first complaint has to do with the system in place for making this request. The request should come from a Discover email, and my account information on the Discover website should reflect this request. My primary, second, complaint is that Discover should have requested this information BEFORE approving and opening my account. Asking for tax returns runs into myriad privacy issues. Customers should understand the request before the account is opened, giving customers the right to consider the request and the option to not move forward with opening the account. In this case, my only options were to turn over full access to my tax records, or to have my account immediately closed. The latter option would create a significant hit to my credit, if my account was opened and closed like this. I can not afford to take a hit to my credit, and I complied with the request of turning over tax documents, though I find this request extremely problematic. I felt forced into this option, and I would not have opened an account with Discover if the request had been made as a part of the application process. This system simply should not be allowed. A creditor should not be able to open an account and then request verification after the fact, threatening to close the account if not supplied. Further, customers should be able to verify income in other capacities, such as through employer paystubs. I asked for this alternative, and my request was denied. Researching Discover 's practices online, I see many, many other customers baffled and upset by similar requests. This needs to stop.
12/28/2015 Yes
  • Credit card
  • Delinquent account
  • CO
  • 816XX
Web
I received a Discover credit card XX/XX/2015. When I got my card I enrolled my account for auto-pay to have the entire amount owed deducted from my checking account at the end of each billing period. This worked for the first three months and I was not aware of any issues. XX/XX/2015 I got an alert from my identity theft protection service advising me of a negative report on my credit history. I checked the alert and learned that Discover had reported me for failure to pay a bill. The bill was from XX/XX/2015. I tried to call Discover at their XXXX ( XXXX ) DISCOVER hot-line number but the automated message told me their call center was closed. I tried many more times over the course of three days, calling XXXX ( XXXX ) DISCOVER but I kept getting the automated message that their service center was closed. Finally I called a technical support line that answered. The tech support representatives told me that the XXXX XXXX XXXX XXXX DISCOVER is 24/7 and that I was incorrect about them saying they were closed. I have recordings of the automated message stating that they are closed. They also stated that I had never enrolled in auto-pay and that I had made all my payments manually using their website. They claim I had made three payments manually via their website ; one on XX/XX/XXXX, one on XX/XX/XXXX and a final one on XX/XX/XXXX. Their online records only show one payment made via the website which was on XX/XX/XXXX. They are absolutely wrong when they claim i never enrolled in auto-payments. If I paid online every time how come there is only record of XXXX payment to my account in the eight months since I opened my account? How come they themselves ( this is recorded as well ) state that I paid them three times via their website and they only have record of XXXX payment? I enrolled in auto-pay with Discover the same as I have with every credit card I own ( XXXX credit card and XXXX debit cards ) and I have never missed a payment. Discover erroneously switched my account from auto-pay and have inaccurate records that my account was not set up for auto-pay. Their ineptitude and refusal of responsibility is evidenced in the way that their XXXX number has not worked for three days and their insistence that it is working ( again, I have recordings of their automated message stating they are closed ). I am upset about the erroneous fees they are charging me for failing to pay my bill but I am furious that they have damaged my pristine credit as a result of their mistake. I have a picture of my account setting showing that it is set on auto-pay. I also have a picture showing that their records reflect only one payment made via their website in contradiction to their claim that I have manually been making the payments via their website the entire time. According to their records I have only paid them one time. How is that possible if I have been using their credit card for eight months? I will attach the screenshots showing that their records only reflect one payment and my monthly activity statements showing that the numbers they are claiming simply do n't add up. I will also attach the recording of their closed call center to this complaint if possible. The call center issue is really just to show a pattern of ineptitude and their denial of culpability.
03/06/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • MN
  • 55076
Web
I applied for a new Discover card & was approved. Once I received my card, I activated it with Discover by calling their activation number on XX/XX/2023 & using their automated system to which it confirmed that my card was now activated. My only reason for getting this card was to transfer a balance & use their advertised 0 % Intro APR on balance transfers for 18 months. On XX/XX/2023, I completed their online form for my balance transfer & received a confirmation that it would be processed within 5-7 days. On XX/XX/2023, I received an email from Discover stating that my balance transfer request was unable to be processed due to my " account status at the time of the request ''. On XX/XX/2023, I called Discover to find out what this meant. Their call center instructs you to enter in your last 4-digits of your SS # before transferring you to a Customer Service agent . The first agent I spoke with verified my name & phone number, informing me that they needed to reverify who I was by sending me a text code. I agreed to having this done through their " 3rd party service '' that they use. The Customer Service agent then tells me that their 3rd party service is unable to verify me by using my phone number. They asked me if I had another phone number. I responded " No, this is my primary phone number that I used for 10 years & other credit card companies including my bank have never had any issues with using my phone number or verifying my identify in order to be able to speak with me regarding my account ''. I suggested that they use my email address & the agent informs me that they are unable to use an email address ( yet, this government website that I am registering this complaint through uses an email to verify my identify .... but I digress ). The agent states that she needs to check on something & would need to put me on hold. She puts me on hold & hangs up on me. I call back & speak with agent # 2 letting her know what just happened. She attempts to help me but says the same thing .... Discover 's " 3rd party service '' that verifies account holders can not use my phone number to verify me. She tells me that I need to wait until XX/XX/2023 to be able to call back again to address my card concerns because without the verification, they are unable to speak with me regarding any account details. My complaint is that this unprofessional company had no problem processing my identity ( name, social security number, address, email, phone number, credit history, etc. ) to provide me with a credit card but can not do the bare minimum of verifying my identify with my primary phone number ( the ONLY verification that their 3rd party service allows ) in order to provide customer service to me over the phone & the entire purpose of my phone call to them was in regards to me not being able to use the credit card they gave to me in the manner to which they advertised me being able to use it. This has been the most unprofessional company that I have had to deal with & it seems that they are in over their head when it comes to doing the bare minimum. I fully regret getting a Discover card & having my identify information exposed to a company that doesn't seem to be conducting their financial division with full disclosure when it comes to their account holders.
03/21/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • IL
  • 63701
Web
We started our loan process with XXXX XXXX in XXXX of 2014. He was very courteous and told us that we 'd be eligible for special loan programs as loyal customers of Discover. Our credit scores are also excellent ( XXXX ), so we had many options available to us. We were pleased to be offered a program where we could pay 10 % down while avoiding private mortgage insurance. Because of this, we chose Discover for our mortgage. XXXX was prompt and courteous and we enjoyed dealing with him. This ends any sort of positive experience for the remainder of our dealings with Discover. When we were turned over to XXXX XXXX, communication promptly came to a halt. Despite our requests to send us confirmation of receipt of documents, XXXX ignored us. She also failed to process any paperwork in a timely manner. It took her OVER A WEEK to let us know that she could n't download a very important piece of loan documentation. We also had to re-submit files and jump through ridiculous hoops to validate information that she already had. TWO business days before our closing, our loan was pulled. It was n't even XXXX who told us, it was XXXX. We had to jump through even more hoops, cancel our move, and deal with an unbelievable amount of stress while we tried to get our loan sorted out. Our loan finally went through and we dealt with an exceptionally good title company for closing. My IL driver 's license had expired, but they assured us this would not be a problem. At closing, we were dismayed to find that we had been assessed private mortgage insurance at the cost of $ 66/month for the next 5 years. The closing company told us that we would need to sort this out after closing. The day after closing, we received word 4 hours before the end of the business day that Discover was pulling our funding yet again. Because of my expired license. We offered additional forms of identification ( passport ), but they refused anything but a current state ID. I had to scramble to find and unpack our personal documents and get to a local state identification center in the span of a few hours, with XXXX small, exhausted children in tow. Your awful company would n't even allow us a full business day to get the documentation. We were literally racing the clock that night. After dealing with Discover themselves and seeing how horribly we were treated, our title company held an impromptu meeting where they decided that they would refuse to deal with Discover Home Loans again. I think that that speaks volumes. We have contacted XXXX XXXX on XXXX XXXX to review our phone recordings and rectify the private mortgage insurance issue. He promised to call us back no later than XXXX XXXX. After our initial contact with him, he has failed to contact us back. We contacted the customer relations department ( XXXX XXXX ) on XXXX XXXX. She said she would review our records and contact us back no later than XXXX XXXX. She has also failed to call us again. We have reached out via phone, email, XXXX and XXXX and nobody at this company cares or will respond. We have been lied to about the terms of our loan and have phone recorded proof. In addition, our loan process was simply unacceptable. We are out of people to contact at Discover and nobody will return our calls about our complaints.
07/27/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • GA
  • 30253
Web
Complaint Against Discover - Attempted Closure of Credit Card Account and Violation of Consumer Protection Laws Dear Sir/Madam, I am writing this letter to file a formal complaint against Discover Financial Services in relation to their attempted closure of my credit card account, which I believe is a clear violation of the Truth in Lending Act ( TILA ) and other relevant consumer protection laws. Pursuant to 15 U.S.C. ch. 41 1601 et seq., the TILA was enacted to promote the informed use of credit by requiring accurate and meaningful disclosure of credit terms to consumers. One of the key provisions of the TILA, as mandated by 15 U.S.C. ch. 41 1631, is that creditors must provide written notice of the reasons for adverse actions taken against a consumer, such as closing a credit card account. On XX/XX/2023, I received a notice from Discover indicating their intention to close my credit card account without any clear explanation for such action. This notification fails to comply with the XXXX 's disclosure requirements, as it omits pertinent information about the reasons behind the account closure. Discover 's actions, or lack thereof, have left me feeling uninformed, distressed, and unsure about the impact on my financial well-being. Additionally, I suspect that Discover 's actions may also be in violation of the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. ch. 41 1691 et seq. ), which prohibits creditors from discriminating against applicants or borrowers based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. While I can not definitively assert that this is the case without further investigation, the lack of transparency in Discover 's communication regarding the account closure raises concerns about potential discriminatory practices. The consequences of Discover 's attempted closure of my credit card account have been severe, both mentally and financially. The uncertainty and emotional distress caused by this action have taken a toll on my overall well-being. Furthermore, the sudden loss of access to credit and the need to seek alternative financing options have resulted in significant financial strain, making it difficult for me to meet my financial obligations. Additionally, I am deeply concerned about the potential impact on my credit profile. As a responsible credit user, I have diligently maintained a good credit history since I've had this account. However, Discover 's attempt to close my credit card account without valid reasons may lead to unjustified negative marks on my credit report, damaging my credit score and hindering my ability to access credit in the future. This is truly disheartening. In light of these circumstances, I urgently request the CFPB to conduct a thorough investigation into Discover 's actions. It is essential to ensure that Discover complies with the TILA and other applicable consumer protection laws to safeguard the interests of consumers like myself. I sincerely hope that the CFPB will take this matter seriously and take the necessary steps to protect my rights as a consumer under the law. Your intervention is crucial to rectify the mental distress, financial hardship, and potential credit damage I am facing due to Discover 's actions.
07/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28411
Web
I have filed several disputes with XXXX, XXXX, and XXXX with regards to inaccurate data being reported to these three bureaus by Discovercard. The inaccurate report in this complaint is the account is the responsibility entry : DiscoversCard has arbitrarily assigned the status as a JOINT ACCOUNT on two bureaus and INDIVIDUAL with the third credit bureau. See attached documents to show proof that this irreversible action by DiscoverCard less than removing their account completely from my credit file with all bureaus IMMEDIATELY they will be breaking the law every minute of each day until their entry on my credit file with all bureaus for the follow reasons. 1. Fact. The responsibility status reported by DiscoverCard in my credit filed are contradictory. 2 Fact. DiscoverCard is arbitrarily assigning this status because they do know the correct entry, because, 3. Fact. DiscoverCard does not have access to any application of credit that I signed bearing my name ; nor any contract or agreement explicitly showing where I applied for DiscoverCard, and 4. Fact. I contacted DiscoverCard and everytime I called on different dates and times, DiscoverCard staff would give me a different and inaccurate each time, and 5. Fact. They continue to give me inaccurate data along with and to the credit bureaus because they do not have a that record in their possession because it does not exist. And 6. Fact DiscoverCard informed me each time that they do not have that information in document form whatsoever and, 7. DiscoverCard continues to post credit information bearing my name and historical data, damaging me and my credit each and every day and have been for years. And, 8. To date, DiscoverCard has not followed federal law with regards to following federal Rule : 9. Each entry by a creditor into the credit bureaus must report accurate, valid, and verifiable data and all levels of the reporting. And 10. Knowingly reporting inaccurate data, arbitrarily, and does not make effort to remove that data that is not accurate, verifiable, and not valid is a criminal act and can be held liable for damages, and 11. DiscoverCard has known for months through several disputes and continues to break federal law. And, 12. The entire credit file must be removed immediately if any part, entry, or and any reports to the credit bureaus are not just that as stated above. And 13. DiscoverCard is in direct violation of Federal law at this submission of complaint. And, 14. At this point, any original application, agreement, contract or otherwise completed and or signed by me whatsoever after the time that has elapsed and their failure to this far, would only be fabricated media and would be challenged in court for liable restitution. And, 15. If DiscoverCard does not remove their entry completely from report immediately after this specific complaint with evidence, I will report this breach to The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), two federal agencies charged with overseeing and enforcing the provisions of the act in efforts to have DiscoverCard penalized in any way possible for dereliction of their duties in credit reporting. 16. See attachments for contradictions in their reporting specific to this complaint.. ,
10/21/2017 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
  • MI
  • 491XX
Web
XXXX : XXXX XXXX XXXX Bar Number : XXXX Telephone Number : XXXX Address : XXXX XXXX, XXXX XXXX, CA. XXXX E-mail Address : XXXXXXXXXXXX I have filed a complaint against XXXX XXXX XXXX with the XXXX XXXX XXXX XXXX. Complaint Number : XXXX. *It appears that as of XXXX/XXXX/XXXX, XXXX XXXX XXXX has disciplinary action pending against her from the XXXX XXXX XXXX XXXX XXXX SUMMARY 1. On the date of XXXX/XXXX/XXXX, I electronically signed a contract with : XXXX XXXX XXXX XXXX XXXX XXXX also referred to as XXXX XXXX XXXX XXXX XXXX XXXX To assist me in lowering or eliminating my private student loan debt ( Student Loans with Discover ) due to hidden fees, unethical interest rates, etc. 2. I was advised on Monday, XXXX XXXX, XXXX, via e-mail communication, to place a bank STOP payment on my Discover Student Loans automatic withdrawal as XXXX XXXX was going to file a Cease & Desist. a. I complied with that directive. My last payment to Discover was on XXXX/XXXX/XXXX. b. XXXX and XXXX XXXX, these 4 loans ( identified as XXXX XXXX XXXX XXXX on my credit report ) were marked 60-89 days late/missed on my credit report. 3. On XXXX XXXX, XXXX, my credit dropped 93 points. a. My father, XXXX XXXX XXXX XXXX soc. # : XXXX ), was a co-signer on each of these loans and may have also been negatively impacted by these late/missed payments. My request is that any negative impacts relative to this case/situation reflected on his credit report be removed as these errors were not fault of ours. COMMUNICATION WITH DISCOVER ( PRIVATE LOANS NOT FEDERAL LOANS ) Telephone Number : XXXX Based on a conversation with a Discover representative ( XXXX ) on XXXX/XXXX/XXXX, there was no documentation in my file that any communication has been attempted by XXXX XXXX or her law firm, with the exception of a Cease & Desist. XXXX assured me that my student loans were still with Discover but in default and they were unable to contact me due to the Cease & Desist to inform me of the matter. She then began discussing payment plan options with me so I could re-start paying on my student loans. - XXXX provided me with 2, and only 2, payment options. I was required to commit to paying {$570.00} per month for the duration of 48 months, OR I was required to pay {$27000.00} dollars in one lump sum. o I told XXXX that neither option was manageable for me and that I needed time to speak with my father re : the situation. Penny scheduled to contact me the following day ( XXXX/XXXX/XXXX ) at approximately XXXX XXXX XXXX. but never called. - I contacted Discover on XXXX XXXX, XXXX, and spent 42 minutes on the phone with at least 3 individuals trying to glean more information from account notes relative to my case and XXXX XXXX involvement. XXXX, a XXXX, refused to give me any information relative to this situation. I have also included a copy of my most recent credit report within this e-mail. Please find it as an additional attachment. Respectfully Submitted, XXXX XXXX XXXX Also I believe as my current field of work is in the field I went to college for : XXXX XXXX for the XXXX XXXX and XXXX This is grounds for a dismissal of student loans under the " Government Forgiveness Act '' I have tried to make a repayment schedule or consolidate my student loans with no avail from my loan companies.
01/24/2018 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • NC
  • 28262
Web
I 've been trying to open a checking account with Discover Bank over the past month, and I 've been met with a very concerning lack of communication with the company. I already have a credit card account and a savings account with Discover, both of which were painless processes and I 've been perfectly happy with them. I first applied for their Cashback Checking account on ( or around ) XXXX XXXX, XXXX. I had no problems with the application process and I was told by a customer service representative that I should receive a decision letter in the mail within the next 3-5 business days or so if I was approved for an account. Eager, I called back three days later to check the status of my application, and I was told that it had been " closed '' without any explanation. I tried to get an answer out of the customer service representative, but I was told that they could not see the reason why it was closed. Instead, I was urged to submit a second application for the same kind of checking account. I stayed on the line with the representative as I submitted my second application on XXXX XXXX, XXXX, and was told it would take 5-7 business days to receive a decision letter in the mail. Fast forward two weeks ( about 8-9 business days ), I still have received no form of documentation or communication from Discover Bank. I called their customer service line to inquire about my second application. I was told by the representative that the application had reached " a decision '' on XXXX XXXX, XXXX, but they still could not see if I was approved or not, and that I 'd have to continue to wait for the letter in the mail, as it could take up to 10 business days or so. A few days go by, and I STILL have gotten nothing from Discover Bank. I called once more to inquire about the application, and I 'm then told that my second application was " pretty old at that point '' and was urged to apply a third time. Now I 'm starting to get angry. I published my complaint on Discover 's XXXX page on XXXX XXXX, XXXX and get a response the following day with a link that took me to a messenger chat room on their website. I repeated my issue with the customer service representative in the chat room. She told me that my complaint would be forwarded to the " appropriate department '' so they could start an investigation and would call me on my cell phone number in my account profile within 48 hours. As of today, XXXX XXXX, XXXX, they have made no attempt to contact me regarding my issue. I contacted them today via the same chatroom I used on XXXX XXXX requesting an update on the investigation. I was told by the representative that it is still " undergoing investigation '' and I would recieve correspondance in the mail, but there was no ETA on when I would recieve it. I am now furious with this company and have decided to take action with this complaint. I 've submitted my highly sensitive personal information to this company numerous times for a simple checking account and I 've been getting nothing but the runaround from them. Nobody seems to know who 's handling my information or what 's going on behind the scenes, and I am furious and very concerned as to what 's happening with my information. I need a direct, honest answer as soon as possible. Thank you.
04/05/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • XXXXX
Web
THIS IS A NOTICE THAT DISCOVER LACKS STANDING TO COLLECT A DEBT, AND FAILS TO STATE A CLAIM FOR WHICH RELIEF CAN BE GRANTED, EITHER ON AN ACCOUNT STATED OR ON THE ALLEGED CARDMEMBER AGREEMENT. The following is the history of the facts : 1. On XX/XX/XXXX, I sent a demand notice via certified mail to the CEO of Discover, XXXX XXXX XXXX, to produce the original document of alleged indebtedness in its original form ( the effective credit agreement ), also referred to as the original negotiable instrument, giving Discover 10 days to comply. I made a conditional offer of payment in exchange for the document ( i.e., payment on the account stated ). Discover did not provide it. 2. On XX/XX/XXXX, I sent a SECOND NOTICE FOR CARDMEMBER AGREEMENT, via XXXX, to XXXX XXXX XXXX, providing another chance for Discover to send the documentation in exchange for payment on the account, giving Discover until XX/XX/XXXX to comply. Discover did not provide it. The CFPB states on consumerfinance.gov the following : If you are looking for information specific to your account, contact the bank or financial institution that issued your card. By law, the issuer must make your agreement available to you upon request. If you are having trouble getting your agreement, let us know by submitting a complaint. The link is here : https : //www.consumerfinance.gov/XXXX 3. On XX/XX/XXXX, I filed a complaint against Discover via consumerfinance.gov online portal, informing the CFPB that Discover was in non-compliance of my demand notices. 4. In response to the CFPB complaint, Discover sent form agreements, false agreements, agreements that were either post-dated from the date of credit card issuance, and agreements that were unsigned. These were not the applicable agreements to the Discover credit card account. 5. Discover was in default and dishonor for failing to provide the requested agreement. 6. I sent multiple follow up NOTICE whereby I disputed the debt, denied the same, and demanded that Discover cease and desist trying to collect on the account stated since Discover failed to show, and could not show, an effective credit agreement. 7. Discover violated and continues to violate Section 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), Reporting information with actual knowledge of errors. 8. Discover violated and continues to violate Sec 623 ( a ) ( 1 ) ( B ), Reporting information after notice of confirmation of errors. 9. Discover violated and continues to violate Sec 623 ( ) a ) ( 2 ) ( A-B ), Duty to correct and update information. 10. Discover fails to disclose material and relevant facts in the alleged Cardmember Agreement that would shock the moral conscience of any person who has ever applied for, currently holds or has used a Discover credit card. Discover knows it is violating the law, and knows that a consumer does not have any private right of action under Sec 623 ( a ) of the FCRA, only under Sec 623 ( b ). The CFPB, however, does have jurisdiction for matters pertaining to violations of the FCRA, Sec 623 ( a ) and other Federal Laws, including, but not limited to, Regulation Z. It is for these reasons that I bring the matter once again to the attention of the CFPB ( see 4-page .PDF attachment enclosed herewith ).
10/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30135
Web
I noticed an account on my credit reports from a company called Discover that I never had any business relationship with. Discover was attempting to collect on a an alleged debt in the amount of {$1100.00}. I have had my identity stolen and sent Discover a letter via certified mail XX/XX/ notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports. I also disputed this fraudulent Discover account with the credit bureaus. Discover however continued reporting this fraudulent Discover account with the credit bureaus. XX/XX/ I noticed Discover still reporting this fraudulent Discover account with the credit bureaus. I then sent Discover a DEBT VALIDATION LETTER via certified mail XX/XX/ requesting the agreement between Discover and myself and the original application for the account. Discover violated the FCRA 15 U.S.C. 1681g ( d ) by failing to provide the evidence requested after being notified about the identity theft. FCRA 15 U.S.C. 1681g ( e ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) Discover was required to cease collection efforts until the alleged debt was validated but failed to do so. Discover continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). I saw the fraudulent Discover account XX/XX/ on my credit reports. I then sent Discover a FAILURE TO RESPOND letter via certified mail XXXX XXXX XXXX Discover violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. Discover violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. Discover violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) Discover was required to cease collection efforts until the alleged debt was validated but failed to do so. Discover continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, Discover FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a FAILURE TO RESPOND letter via certified mail XXXX XXXX XXXX Discover violated the FCRA 15 U.S.C. 1681i by not validating the alleged debt within 30 days. I saw the fraudulent Discover account XXXX XXXX on my credit reports and it is still there as of this filing.
11/17/2017 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • MI
  • 481XX
Web
I have been paying off my student loans to Discover aggressively over the last several months. In XX/XX/XXXX I had a total of {$6700.00} due. I paid off each loan sequentially until I had only {$780.00} remaining on a single loan this month ( XX/XX/XXXX ). I was paid on XX/XX/XXXX so I made my final payment the same day of {$780.00}. It was withdrawn from my bank account on XX/XX/XXXX. Oddly, there was no record of the payment on my online account. After approximately 5 business days I called to see why the payment had n't posted yet and was n't showing as pending on my account. The customer service representative told me they saw the payment but that it had been misapplied, but not to worry, they would reapply the payment and I would see it in 4-5 business days. I asked for something documenting this in writing. She told me that a letter would be sent to my home address. After the period of 5 business days and still no update to my online account I called again and was told the same information. I asked why it was taking so long to show up online and they said they were upgrading their computer system and it was taking on average 14 days for payments to be posted. My online account still showed a minimum monthly payment due of {$150.00} on XX/XX/XXXX which was due to be auto-deducted from my bank account so I again asked for documentation, in writing, that this payment had gone through so that I would not have to worry about additional payments. He agreed to remove the auto-payment but said he could not change what the computer said since they were going through an " upgrade ''. I e-mailed this week to ask for written documentation of the payment and received an e-mail back saying I still owed {$780.00}. I called and customer service now had " no record '' of my prior payment and said I could dispute that if I could show proof that the money had been withdrawn from my bank account. I asked why no one had asked for this proof before and was n't given an answer but I uploaded my bank statement through their " secure document center '' ( which will not let you see documents after they are uploaded, by the way ) and did not receive any further feedback. Today I received an e-mail stating that my " new '' minimum monthly payment is {$50.00} instead of {$150.00} and I have 13 payments remaining. I called and the customer service representative could see my dispute, but said it takes up to 90 days for it to be investigated. I, again, asked for written documentation of the dispute and was told that was not possible. That I would get a letter once the dispute was closed. I asked why I had gotten an e-mail with a new monthly payment when my loans should be paid in full and there is a dispute but was told that was automatically generated by the computer. I very much feel like I am being taken advantage of and they are refusing to close my account so they can continue to generate interest. 3 customer service representatives could supposedly see the payment and that it was misapplied, then now it 's missing and I need to file a dispute? No written record of any of this? I am fearful that I will be charged late fees, interest, and this will be reported to the credit agencies and I have nothing documenting any of these conversations.
09/07/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MN
  • 562XX
Web
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a complaint against Discover Card regarding a recent dispute I filed related to a purchase I made on XX/XX/2023. The transaction in question was made with my Discover Card, and it was for the purchase of XXXX and XXXX trading cards and a case, totaling {$320.00}. The package was delivered to me on XX/XX/2023, but to my dismay, the box was severely damaged during transit, resulting in significant damage to the trading cards inside. I immediately contacted Discover Card to report the issue and initiated XXXX disputes, providing them with all the necessary evidence, including photographs of the damaged box and cards, as well as any other relevant documentation. However, despite my best efforts to provide comprehensive evidence and details of the situation, Discover Card declined both disputes, leaving me in a difficult situation where I have neither received a refund nor the products I paid for. This decision by Discover Card has caused me financial distress and significant frustration. As a loyal Discover Card customer, I expected a prompt and fair resolution of this dispute, especially given the clear evidence of the damaged purchase and the promises of consumer protection often associated with credit card companies. I kindly request the Consumer Financial Protection Bureau to intervene and assist in resolving this matter promptly. I hope that your intervention will result in a fair and satisfactory resolution to this dispute. I believe it is imperative that Discover Card reevaluates the declined disputes and ensures a just outcome. Thank you for your attention to this matter. I am looking forward to a timely and positive resolution to this complaint. Please do not hesitate to contact me should you require any further information or assistance. I promptly contacted XXXX and XXXX ' customer support to report the issue and seek a resolution. Despite multiple attempts to communicate with their customer support team via email, I received no response. This lack of communication and unresponsiveness from the company only added to my frustration and disappointment. Furthermore, they initially offered me a full {$320.00} store credit as compensation for the damaged purchase, but I have yet to receive any such credit. I have provided all the necessary evidence, including photographs of the damaged box and cards, as well as any other relevant documentation, as requested by their support team. Unfortunately, it seems they are unwilling to acknowledge the evidence provided. To make matters worse, it came to my attention that XXXX and XXXX somehow misplaced the case with all my evidence, which only exacerbates my concerns about their business practices and the handling of customer complaints. In addition to the issues with XXXX and XXXX, I also encountered problems with Discover, my credit card provider, in resolving this matter. I filed XXXX disputes with Discover regarding this transaction, providing them with all the evidence and details of the situation. However, to my surprise, Discover declined both disputes, leaving me in a difficult situation where I have neither received a refund nor the products I paid for.
10/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CT
  • 064XX
Web
In XX/XX/2016, I spent the year battling XXXX XXXX as a single mom. I ran up my credit cards in the process trying to handle copays, for hospital visits out of state for my XXXX, and basic living expenses. I ended up with deductibles from one year within three months of a second one because of the timing of my diagnosis and treatments. One credit card impacted is Discover. I maxed out on it and was unable to pay for a bit. The card went to collections, and I received a court summons. I called the debt collection agency and spoke with an attorney there. We agreed that I would adhere to a monthly payment plan of {$50.00} until the debt was paid in full. This attorney told me that because I had agreed to a settlement through his firm, he was canceling the court appearance, and there was no need for me to show up. I believed him. A couple months later, I received a letter in the mail from the XXXX, Connecticut Court system noting that I had not appeared for my court date and was found liable for failing to settle this debt. The judge ordered me to make the {$50.00} a month payment to which I had already agreed, but it was now a legal summons. I briefly tried contesting it, but I didnt have the time or energy to do so in consideration of my health. I attempted to contact the attorney first, but he said that the negative credit ratings were solely the decision of Discover. Ive then reached out to the Discover company, was given the runaround, and then was told that there was nothing they were willing to do to change the situation. For more than 60 consecutive months, I have made that monthly payment in full and on time. I plan to continue to do so until the debt is paid in full. I have regularly tracked my credit scores over the years, and, after a while, this one dropped off those reports except as a settled account. I thought the negative ratings were a short-term situation that had concluded. Nevertheless, I did not understand why, despite the reality that I have paid all of my debts on time over the last more than five years, I continue to show a very low credit rating of between XXXX and XXXX points. I recently looked at my credit ratings using a different service than XXXX XXXX, which is what I have historically used. This new service showed me that Discover has been filing monthly negative credit reports against me during the majority of this period. I contacted Discover and the attorney who represented them to make sure they knew that I have been paying on time for well over 60 months and ask them to stop filing these negative reviews. I received a report by mail shortly thereafter in which I was told that they are entitled to continue doing so and, in an extra show of animosity, they retroactively filed late credit reports for some of the months they had previously skipped, causing my score to again fall. It seems to me that what they are doing is illegal, punitive in a completely unacceptable manner, and totally lacking in any empathy for someone who is a XXXX survivor not to mention a single parent. Is there any way to hold these people accountable and expunge all of these negative ratings from my credit report? I am almost XXXX XXXX XXXX and have horrendous credit scores because of them.
06/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • HI
  • 96818
Web Servicemember
Im writing you today inquiring about what steps can I apply to be in good standing with the following organizations in the future : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX, DE XXXX Discover XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I filed for Bankruptcy in XX/XX/XXXX after trying to avoid it for two years due to the family hardship I endured while XXXX. After administering a self-assessment and the counsel of a financial advisor, I concluded the events and decisions that lead to the filing of bankruptcy. Shortly after entering the XXXX XXXX XXXX in XXXX, my wife had to XXXX XXXX in XX/XX/XXXX. Due to the XXXX XXXX XXXX XXXX being at XXXX capacity, my wife was informed she had to see a provider in the local XXXX economy that was approved by our XXXX medical insurance to XXXX XXXX. A week later my wife XXXX XXXX XXXX XXXX and after bringing her to the XXXX XXXX XXXX XXXX XXXX XXXX, the ER physicians informed us that the XXXXXXXX XXXX XXXX XXXX. Since XX/XX/XXXX, my wife has had XXXX XXXX to correct the XXXX she received off-post. My wife has XXXX XXXX XXXX XXXXXXXX and XXXX from the XXXX XXXX she's received. After receiving the notification that she would need another XXXX. I would go on small vocations lasting no more than four days to different countries while stationed in XXXX ( XXXX XXXX XXXX ). I did this to try to relieve the stress, tension, and XXXX between the both of us. In addition, I spent thousands of dollars trying different supplemental products we thought would assist with her other medical conditions that affect her anatomy. The prescription medications that were prescribed to her by Primary Care Managers always XXXX XXXX XXXX and I refused to let her deal with those issues without trying XXXX products. I've also flown family members to both XXXX and XXXX to assist with my wife 's XXXX XXXX XXXX XXXX. Lastly, my wife and I have an eighteen-year age difference and we share XXXX adult children and XXXX grandchildren. Due to the extensive amount of available credit on my credit cards, I assisted them irrationally in terms of my spending on our grandchildren 's quality of living needs. One of our adult children is a dependent that has lived with us at both duty locations. My wife and I are legal guardians for XXXX out of XXXX grandchildren. We currently have XXXX grandchildren residing with us in XXXX. One of our grandchildren previously lived with us for a year between XXXX and XXXX, and the financial obligations associated attributed to my debt. We've immediately decided to have a discussion following my bankruptcy with our adult children about their role and responsibilities as parents, adults, and to include our financial situation which pertains to a minimal level of support financially in the future. My bankruptcy was fully XXXX on XX/XX/XXXX and eliminated {$73000.00} of debt. Lastly, with this information in your possession could you please consider removing late payments from my ALL credit report because Id never missed a payment to include the payment that was due in the same month as my Bankruptcy was filed in XX/XX/XXXX. XXXX accounts affected : XXXX XXXX XXXX XXXX accounts affected : XXXX XXXX DISCOVER accounts affected : XXXX
09/12/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • DE
  • XXXXX
Web Older American
This complaint is directly related to my previous complaint # XXXX which you closed due to a fraudulent response from Discover Card and signed by XXXX XXXX XXXX complaint was related to the charge on my card for purchase of XXXX XXXX XXXX XXXX software. The " response '' provided Discover fraudulently indicated that " they did not recognize the charge '' which had nothing to do with the truth. As a matter of fact, I did purchase that software but the XXXX software billed a firewall ion my computer that did not allow me to use Internet, I was unable to send e-mails which started to accumulate in my " outbox '' without gong out. I had no other way but to remove that software from my computer and declined to honor the charge. The second fraudulent claim made by Mr. XXXX XXXX in that " company 's response '' was a claim that " On XX/XX/2020, we received documentation from the merchant that included a copy of the transaction details, terms, and explanation from the merchant that included a copy of the transaction details. '' Proof of my purchase I have myself, but I do not have any " terms '' of that purchase myself. As a matter of fact, when I disputed the practical validity of purchase ( and not the recognition of the transaction itself ) XXXX talked to me and told me that I " was supposed to call their technical support department when I had problems with that software installing a firewall that did not allow me to use Internet. I have never received any " terms '' let alone any telephone number for technical support. When I disputed the charge and later saw that charge reinstalled on the same date it was removed ( another fraudulent claim of Mr. XXXX XXXX XXXX I called Discover and talked to a man by name XXXX who told me that I was supposed to record those facts ( i.e., firewall that did not allow me to use Internet or accumulation of my outside mail in my " outside '' box, facts not disputed by XXXX when I talked to them after seeing the charge. And finally failure Mr. XXXX XXXX to inform of his actual days and time of being in the office. When I called Mr. XXXX XXXX on XX/XX/2020 I wanted to tell him that after I removed XXXX software from my computer it appears that it loaded on my computer again without my permission. Moreover, when I attempted to remove it I could not do it. After I pressed the button " remove '' I got a message that the process will take place over a time and that " process '' has never been able to be completed but practically was suspended in time. Only on XX/XX/2020 I was able to remove that software from my computer although before final step I got a warning that I " have current subscription to their services '' which I did not care but pressed the button to remove that software. Moreover, it appears that my computer had initially security software provided by XXXX. On the same statement on which charge for XXXX appeared there was a charge for {$29.00} for XXXX which I also disputed and which was removed. that charge was actually a valid one. I, therefore, on my payment date of XX/XX/2020 will pay that charge along with the interest charged by Discover for not paying the XXXX charge. After that I will never use that card again unless the dispute is resolved in a fair manner by Discover.
12/04/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 923XX
Web
This second complaint is added information to XXXX I have from Discover the text they sent me asking if I recognized this charge. Here is the Text from Discover Card asking me if I recognize this charge, I said NO, but XXXX min later the charge went through when the merchant tried again : see below with attachments On XX/XX/2023 I received a text notification from my credit card Discover " do you recognize this charge of {$230.00} '' I stated no. I called Discover to find out what this was all about and was told since I declined the text charge not to worry that the charge will not post. A few hours later I log onto my Discover Card web site only to see the {$230.00} charge is pending. I called Discover and was told that XXXX min later after I declined the charge the merchant was able to put the charge through again and was successful. I asked why I did not get another text to notify me, the person said sometimes that happens, and now I can dispute this charge. After many months of going back and forth with Discover I was finally credited back {$230.00} until today. XX/XX/2023 almost 4 months later the merchant was able to send in information showing my name, address, and that I ordered {$230.00} for one bottle of XXXX XXXX 's. Discover card will not reopen this dispute, and I will have to take it up with the merchant Since XXXX XXXX XXXX XXXX I have called this company call XXXX XXXX XXXX XXXX. I was able to stop them from a reoccurring charge of {$230.00} every month and was told they would credit me back {$230.00}. This company told me there is nothing they can do and I need to reach out to my credit card and he hung up on me. On XX/XX/2023 when I was on face book I did see an advertisement on these XXXX XXXX for weight loss. I did order XXXX bottle @ {$39.00}, then when I received the text from Discover I realized this has to be the same company and it's a scam. NEVER have I received XXXX bottle. Called Discover 6 times just today and I am told the merchant provider my name, address, but what about the delivery? Discover is sending me all in information to me by way of mail, they will not email to me. Per Discover today I found out this company has another name of " Full Stack '' with the same phone number as XXXX XXXX, if this isn't a scam I don't know what it! XXXX XXXX has a state of WY, but when calling the phone number provided it's XXXX and the people I have spoken with have really bad broken XXXX so I know they are not within the XXXX. This company also has a second name of " Full Stack '' they have the same phone number as XXXX XXXX, but no address, neither company has an address. I need help please I am being scammed and per Discover they choose to believe the scammer. Per my Discover statements you can see the credited me then posted the charge 4 months later. From the beginning If I decline a charge Discover had no right to accept the charge a few minutes later, this is bad business on Discover 's part. Please see the attachment from Discover Card texting me if I recognize this charge, I replied NO, but they let the charge go through XXXX minutes later without texting me a second time. This error falls on Discover Card and I should be credited, also I never ordered anything for {$230.00}. Thank you
02/23/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IN
  • 46235
Web
On XX/XX/XXXX my husband used my discover card to make a purchase on XXXX. He received the product and was unhappy with it due to defect we returned the product on XX/XX/XXXX per XXXX return policy and he requested a giftcard at that time. XXXX issued the giftcard balance and he attempted to use it they withheld refund and sent him an email they thought fraud took place on account. We attempted to contact them to get issue corrected and they kept informing us the credit balance would get reversed. After a few days we noticed it did not take place so we contacted Discover to dispute the XXXX transaction they told us we had to wait 10 days to allow the merchant to try to resolve the matter time passed and it didn't happen after several calls to XXXX we called back and asked to launch an investigation 10 days later as informed. We were assured it would be resolved and received a temporary credit the first time XXXX informed Discover they issued a refund but did not mention they held it due to a false suspicion of " fraud '' so we sent proof they issued it and turned around and reversed it directly from the XXXX account. They told us they would further investigate. A month later they stated that merchant informed they would issue refund so to avoid the back and forth between companies I called them on 3 way at that time XXXX informed me and the Discover agent they would further review the refund issue and then get back with me. 10 minutes after that call they sent me an email stating that they would not be able to issue refund due to disputing with card company and to handle refund process directly through card issuer which, I immediately called Discover and informed them info on what I received and sent email to dispute portal. I received a notification they were finalizing dispute credit so I thought the issue was resolved. I then received an email in XXXX of XXXX stating they received additional documentation from XXXX and did not go in my favor I immediately called because I don't have the product nor credit from XXXX so how did it go in their favor? I was then told by an agent that XXXX told them they didn't receive the merchandise back so for several months we were supposedly discussing a refund for merchandise that was not received and it was conveniently after the tracking info expired because XXXX only keeps it for 4 months but we have the return tracking slip and sent it over to Discover they are still stating after a review of info they are going with XXXX and the charge remains. They are expecting interest off of merchandise that was returned and that I have proof of it being returned via tracking slip as well as XXXX website and all XXXX has to say is they didn't receive it and it goes in their favor there is some sort of shady business practice going on and I don't believe I should pay for something I don't have. I have actual proof it was returned from their website and our tracking info. I feel consumers should be protected when following everything within policy the return was completed within return policy but funds were not reversed nor refunded back to credit card. Discover did not do their due diligence on account to reverse funds. I attempted to contact the executive office with no resolve.
09/14/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33178
Web
I BOUGHT A PLANE TICKET WITH XXXX XXXX DIRECTLY ON THEIR WEBSITE USING MY DISCOVER CREDIT CARD ENDING IN XXXX. THE PURPOSE OF THIS FLIGHT WAS FOR STUDY ABROAD AT THE UNIVERSITY XXXX XXXX, XXXX ON XX/XX/2018. UNFORTUNATELY, MY GRAND PAPA, WHO RAISED ME AND HAS BEEN MY GUARDIAN DURING MY CHILDHOOD, HAD A LIFE THREATENING HEALTH EMERGENCY ( ATTACHED YOU WILL FIND PROOF OF THE XXXX XXXX THAT MY GRANDFATHER HAD TO UNDERGO BECAUSE OF HIS XXXX ) AND THEREFORE I WAS NOT ABLE TO TRAVEL TO XXXX. I WAS FORCED TO CANCEL MY TRIP WEEKS IN ADVANCE IN ORDER TO STAY AND TAKE CARE OF MY GRANDPARENTS. WHEN I ATTEMPTED TO CONTACT XXXX XXXX, IN A VERY RUDE AND AGGRESSIVE WAY I WAS INFORMED THAT I DID NOT QUALIFY FOR ANY KIND OF REFUND AND ALTHOUGH I SPOKE AND ARGUED WITH SUPERVISORS IT WAS IMPOSSIBLE TO ACHIEVE THAT THIS FOREIGN COMPANY OPERATING ON NORTH AMERICAN SOIL TO GIVE ME THE SERVICE AND ATTENTION THAT A PASSENGER DESERVES AND FOR THEM TO DO SO IN SUCH A WICKED AND INSULTING WAY COMING FROM SPAARDS WHO HAVE NEVER BEEN IN A COUNTRY OF RULES AND RIGHTS LIKE THE USA AND THEREFORE SIMPLY DID NOT UNDERSTAND MY PETITION. I FORMALLY DISPUTED THE CHARGE ON THE CREDIT CARD WHICH WAS USED FOR THIS TRANSACTION AND DISCOVER GAVE ME A CREDIT UNTIL THEY ARE ABLE TO GET A RESPONSE FROM XXXX XXXX. XXXX CHARGED ME AGAIN AND I AGAIN FILED A DISPUTE ON THE CHARGE AND DISCOVER GAVE ME ANOTHER CREDIT. ON XX/XX/2018 I WAS SURPRISED TO FIND THAT MY DISPUTE WAS DETERMINED TO BE WITHOUT PLACE AND I SIMPLY DO NOT UNDERSTAND THE FOLLOWING POINTS : A : CANCELLING THE FLIGHT WEEKS IN ADVANCE, XXXX HAD THE NECESSARY TIME TO TRICK OTHER PEOPLE INTO PURCHASING THAT FLIGHT WITH THEM. B : WHEN THE TICKET WAS PURCHASED, I WAS NEVER MADE AWARE THAT I COULD NOT CANCEL THE FLIGHT AND THAT MY TICKET WAS NON-REFUNDABLE. THEY SIMPLY INFORM YOU OF THIS ONCE A CIRCUMSTANCE COMES UP THAT IS OUT OF YOUR HANDS. IN A FEW WORDS, A TOTAL DECEPTION. C : A FAMILY EMERGENCY THAT OBLIGATES ME TO WASTE VERY VALUABLE STUDY TIME IN WHICH I COULD BE OBTAINING EXCEEDING KNOWLEDGE TURNS INTO A FINANCIAL NIGHTMARE BECAUSE OF A COMPANY THAT OPERATES IN THE USA UNDER THE MISLEADING TACTIC OF BAIT AND SWITCH WHICH HURTS THE INOCENT CONSUMER INTO BELIEVING THAT THE COMPANY IS A SERIOUS ONE. BUT NONETHELESS, THEY ARE NOT PENALIZED FOR ACTING THIS WAY AND THEY CAN STEAL MONEY FROM STUDENTS WHO ARE ONLY ABLE TO WORK THE FEW HOURS THAT WE CAN IN ORDER TO BE ABLE TO PROGRESS ACADEMICALLY AND HAVE A BETTER FUTURE. I SIMPLY DEMAND JUSTICE IN THIS CASE AND FOR MY MONEY TO BE RETURNED TO ME IN ITS ENTIRETY CONSIDERING THAT THE TRIP WAS NEVER REALIZED AND I CANCELLED IT WITH SUFFICIENT TIME IN ADVANCE SO THAT THE COMPANY FROM WHOM I PURCHASED IT WOULD NOT SUFFER ON MY ACCOUNT. I FEEL DISCRIMINATED BY DISCOVER CARD AND SINGLED OUT IN THIS SITUATION. I WAS NOT BORN IN THE USA AND MY ENGLISH IS NOT THE BEST. ALL I WANT IS TO HAVE MY REIMBURSEMENT EFFECTED. I REQUESTED CANCELLATION F THE FLIGHT WITHIN TIME FRAME ALLOWED BY CARRIER AND HAVE PROCESSED THE REQUEST MULTIPLE TIMES. DISCOVER ISSUED AT FIRST REIMBURSEMENT JUST TO LATER RENEGING ON IT AND RE APPLIED THE CHARGE. THIS IS UNFAIR, INCORRECT AND NOT ACCORDING TO CARRIERS OWN CANCELLATION POLICIES. PLEASE REIMBURSE MY FUNDS.
03/10/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • KY
  • 41015
Web
On XX/XX/XXXX, I received an email from XXXX titled 'ACTION REQUESTED : Please eSign the required IRS Form 4506-T '. I also received an email from Discover that asked me to give Discover a call. I called Discover and asked them what was happening and I was told that they just wanted to verify me. I thought it was very strange since my longest Discover card is over 10 years old so at first I thought this was some sort of Phishing attempt. After confirming it was Discover I signed the form they requested. They informed me that this is usually resolved within a week and then I could access my accounts again. I explained what an inconvience this was including the fact that I had mutliple charges that I was expecting to my credit card. They said that in flight charges should be approved. Next, on XXXX I received another email from Discover that stated " Dear XXXX XXXX, We need to talk to you right away about your Discover card account. Please take a moment to phone us at XXXX. '' I called Discover immediately on XXXX and was told that all they needed was to check that I completed the form request which I confirmed and apologized to me and said it should just take a few more days. On XX/XX/XXXX, I received an email from Discover stating " Dear XXXX XXXX XXXX, We are writing to notify you that we have closed your Discover it card account effective immediately. We regularly conduct reviews to evaluate our customers ' accounts, and during a review, we were unable to verify personal information on your account. We evaluated your account and under the terms of your Cardmember Agreement, a business decision was made to close your account. Our credit decision was based in whole on the information found on your account. Any Cashback Bonus or Miles rewards balance will be applied as a credit to your account, or, if the account has a XXXX balance at the time of closure, a check will be issued. If your account has a credit balance, you may request a refund check, or one will be sent automatically after four months of the credit balance being on your account. We will report to the credit bureaus that the account was Closed by Grantor. Questions on how this may impact your credit score can be addressed by contacting the credit bureaus directly. '' I called immediately on XX/XX/XXXX around XXXX XXXX ET. I spoke with XXXX from Customer Protection and then I was connected with supervisor XXXX. I explained that I had my longest Discover account for over 10 years and I can't understand why Discover is now saying " we were unable to verify personal information. '' This is very very concering beyond just the fact that Discover has closed all of my credit cards beyond just the impact of the closure. I was never contacted beyond this signed form. I asked for details as to what the root cause was for the closure. They said they did not have it. I asked whether there was something with the IRS that was wrong. They couldn't tell me. I told them how concerning this is that no one can tell me anything. Its very surprissing that Discover never did something similar such as ID verification or something else that could have quickly cleared this up. I have significant concerns about my personal information as a result of this.
12/05/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NM
  • XXXXX
Web
Discover Credit Card has not reimbursed me for a product I did not receive. I paid a deposit of {$1500.00}. ( Exhibit 1 ) for professional electrical contractor services to install and provide electric service to garage and update electric panel in home. ( Exhibit 1a ) I paid in good faith for product delivery and buyer protection through Discover ; Both I have not received. The job is both incorrect ( Exhibit 2,2a,2b ) and incomplete ( Exhibit 2c,2d ). The hole seen in Exhibit 2 and 2a is the first hole made by workers to put electrical conduits inside the building along the eaves per our agreement ; With no notice, this was abandoned and conduits placed outside building and down the center of building. ( Exhibit 2b ). When I saw this, I called the Contractor who was not on site, told him what had been done, He said " No it was to be inside along the eaves '' ; He said he would correct it. ( See Exhibit 4 ) I have given the electrician every opportunity ( Exhibit 4, 4b, 4b1 ) to correct and complete the job. He has not done so. Exhibit 2c and 2d evidence no meter and no wires connected to provide the service contracted for. The materials and services rendered are of no value to me. I have no electric service from this work and estimates ( 4a1,4a2 ) to complete work reflect no credit for materials left by XXXX XXXX and in fact reflect additional costs because of same. Discover summary ( Exhibit 3 ) used to deny my dispute is totally incorrect. See Exhibit 4 for my dispute of Discover summary. Despite my several requests with documentation ( Exhibit 2a,2b,2c,2d 4a ) and without documentation to Discover to correct and copy corrections of summary to me and credit my account the {$1500.00}. I paid or to provide adequate documentation to support their summary, they have not done so. Communications with Discover were fraught with difficulties : On line communication is offered yet frequently time out requiring rewriting. Once a point had been made requiring Discover response, a message is sent stating " this form of communication is no longer accepted and another form need be used ; Complicated instructions follow. My last effort to access my dispute on X/XX/17 yielded this message : " We currently show no active or closed disputes ''. Fortunately, I copied most of the very many communiques on their site. If you require same, please advise. Discover Case Number : XXXX. Exhibits : 1. Discover receipt Page 4 of 20 1a. XXXX XXXX Page16 of 20 2. picture of hole Page 7 of 20 : ( must print IN COLOR to see hole ) 2a. picture of hole and conduit Page 8 of 20 : ( must print IN COLOR to see hole ) 2b. picture of collapsing centered conduit Page 9 of 20 2c. picture of absent meterage Page10 of 20 2d. picture of wires not connected Page 11 of 20 3. Discover summary Page 5 of 20 4. Dispute of summary Page 12 and 13 of 20 4a. Fax to Discover ( estimates to correct and complete job Pages14-19 of 20 4b. Final notice to XXXX and XXXX XXXX Page 19 of 20 4b1. Final notice to XXXX and XXXX XXXX e mail Page 20 of 20 Evidence of job done not to specifications : Exhibit 2,2a,2b. Evidence of job not completed : Exhibits 2c,2d, 4a,4a2,4a3 Evidence of attempts at XXXX resolution : time to dispute action, Exhibit 4, 4b, 4b1.
02/25/2017 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • MI
  • 48091
Web
Current co-signer bankruptcy situation : Got word the bankruptcy 'freeze ' period was over, XXXX private student loans were affected and each has a different outcome. All were pretty much unreachable for payment during the bankruptcy period, but there were some very small payments going to them ( no idea where from ) so they would n't default ( I think?? ). Now though, the timing is horrible. I 'm in the middle of getting a mortgage. My credit score just dropped XXXX points but here 's what happened : To be clear, I did n't know my cosigners filed, I found out by not being able to see or pay any activity on my accounts. I was never informed changes to my account were going to be made. My cosigners, now, say they never intended for me to be involved. They did n't think I would be affected. 1. XXXX bought the loan from XXXX XXXX but for some reason the entire loan was under my relative 's name and his spouse as the cosigner ; me, just the student. HAVE NEVER BEEN CONTACTED BY THEM EVER, only knew it existed because it showed up on my credit report couple months ago. I ca n't myself make payments on the website account because it 's not under my name and wo n't let me add a bank that 's not under the main borrower 's name. 2. XXXX bought the XXXX loan : same thing, no contact and could n't access any information online, phone calls were very time consuming ( made a few payments in the beginning over the phone when it was XXXX ) ... interest accrued, I now owe {$7000.00} more than the original loan amount. At least they let me know the bankruptcy was over and sent me a minimum amount owed with a date bill statement. I could also see all activity after XXXX on the website account. 3. Discover bought my XXXX loan as a 'charge-off ' ... I am unable to get any information online, registered an account but NO INFORMATION concerning my loan is in it. If I call, I have to go through XXXX different people to get to the right XXXX. I can only make payments on the phone or through my bill pay, so no confirmation, activity, amounts etc. I only got this information because I finally went to consolidate my private loans and got denied because of delinquency even though I 've worked really hard the past three years to have good credit. So I checked my credit score once again only to find Discover put me down as 'failure to pay ' for the last two months, thus XXXX point drop. NO EMAIL, LETTER OR PHONE CALL to inform me of this. I talked to someone and they basically told me the loan is now owed in full. I sent a {$150.00} payment through my personal bank 's bill pay but that takes likes 5 days. I 'm not even sure of a minimum amount and if, once payment is received, if it will stop affecting my credit score. She basically said too bad so sad and it was illegal for them to contact me. Okay, DURING THE BANKRUPTCY PERIOD IT WAS ILLEGAL BUT ONCE IT WAS OVER, I SHOULD HAVE BEEN CONTACTED. They did contact me every year with a tax information letter, because of the very small payments going towards the loan every month. The unapologetic person on the phone gave me a silver lining of 'no interest accrued on the loan ' though. Okay cool, but now my credit scored is XXXX and I may not get approved for my first home.
10/24/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • CT
  • XXXXX
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUPDATE TO CLAIM XXXX XXXXXXXX -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear DISCOVER EIN XXXX XXXX XXXX Asset-Backed Securities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice it is fact that under the XXXX a " creditor can not deny any applicant credit on the basis that the consumer in good faith exercises a right. Notice it is fact under 15 USC 1602 Credit is defined as THE RIGHT GRANTED meaning it is a Inalienable Right. no fictitious corporation on paper can give. Notice it is fact I the consumer in the matter am in fact the Original Credit Card Holder and Original Creditor as defined under Truth In Lending 15 USC 1691a and DISCOVER is defined as the assignee of the Original Creditor. Notice it is fact I have entered into a consumer credit transaction with DISCOVER exercising my right to credit in hopes to extend credit to DISCOVER to perform their duties under the Federal Reserve Act and re extend my credits back to me. Notice it is fact DISCOVER received real lawful money in commerce via a Finance Charge and Credit Application ( ASSET/SECURITY ) but yet has discriminated against me denying me a Federal Protected Right to credit with them as well as within the banking system. DISCOVER has not only breached its fiduciary and Trust duties but has also discouraged me from extending my credit and lose confidence in the banking system. DISCOVER has stated to me that they have the Lawful Right to deny me a Federal Right because of a XXXX XXXX XXXX XXXX SCORE. Notice it is fact NOWHERE IN ANY FEDERAL LAW, STATUE NOR POLICY IT STATES ANY BANK CAN DENY A FEDERAL RIGHT DUE TO A FAIR XXXX XXXX SCORE. A Fair XXXX XXXX Score only details the ability of consumers to RE-pay on Finance Charges nothing more. Notice it is fact DISCOVER has obtained my CREDIT CARD and APPLICATION as an ASSET and SECURITY and has given me NO BENEFIT now in direct violation under 15 USC 1644 and 18 USC 242. Notice it is fact I have tried in many attempts to settle this matter before escalation In Good Faith and DISCOVER has assumed I am an uninformed consumer and has denied all oofers to settle the matter. Notice it is fact DISCOVER at the time of the initial Credit Application has Failed in its TRUTH IN LENDING requirements to disclose to me my Right To Recession within 3 Days after application. Notice it is a fact under TRUTH IN LENDING my deadline to Rescind my application is now 3 Years. Hence DISCOVER states they can not delete my application from their data base because it is in fact a Security which they are obligated to perform under the Security Exchange Act of XX/XX/1934and continue to discriminate against me denying me my right to credit I now exercise my right to recission under Congress law TRUTH IN LENDING and DEMAND DISCOVER to return to me my " ORIGINAL '' Credit Application
02/04/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • TX
  • 765XX
Web Servicemember
I received a phone call from a lady out of CA who said that they needed to send a subpoena for an unpaid debt. I explained that I had no idea what this debt was, when it was accrued, or anything. She called from XXXX and said she was with the XXXXXXXX XXXX XXXXXXXX. She advised that she wouldn't send this just yet and that I needed to speak with the case manager, XXXX XXXX at XXXX. I called Mr. XXXX. He said that I had a 20+ year old credit card debt to Discover Financial. I explained to him that I had never had any dealings with Discover Financial. He told me that there was over a {$7000.00} debt, but that I could settle with him for {$2800.00}. I told him that I needed to do some research on this because this was not my debt, and I never had any accounts with Discover Financial. He got ver rude, told me that we would receive a subpoena if I didn't agree to settle, and then threatened me with a lien on my home. I told him that I didn't handle all of this financial stuff due to a XXXX injury while serving in the XXXX, but that I would have my wife call him back to get all the information that she needed to do a search on this. My wife called back about 2 hours later. He was just as rude to her, refused to give her any information about the account, when it was opened, when it went into collections - nothing. She decided to contact Discover Financial. She spoke with representatives in the credit department, the banking department, the mortgage department, and the personal loan department. No accounts pulled up using my social security number at all. My wife called back to the number that we had for this XXXX XXXX XXXX. She then spoke to a man by the name of XXXX ( he did not give his last name ). He was the same ugly and threatening as Mr. XXXX, but he did give her a supposed Discover account number : XXXX. My wife called Discover back again. They could not locate this account number. They said that she would need to talk to the Discover Attorneys department that handled collections. The next morning my wife called the Discover Attorney 's Department. They did another search on my social security number and this supposed account number. They came back and said that no account has ever existed ( past or present ) for me - nothing under my social security number. And this account number that the representative from the XXXX XXXXXXXX XXXX was not valid. Their conclusion was that I never had an account with Discover Financial because even when an account is sent for collections and charged off, Discover keeps a record. My wife also keeps track of our credit reports. There has never been any collections on my credit report that indicate Discover. The people at Discover advised me to file a fraud report with the FTC since this department handles credit collections and their practices. I also learned that an unsecured credit card debt has a statute of limitations of 4 year in Texas. I also discovered that there is legal steps when making collections attempts ; none of which were granted to me had there been a delinquent debt to be collected. I believe this is a scam to scare and threaten people into sending a " settlement '' amount to these people who are not debt collectors but in fact hackers/thieves.
03/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75044
Web
Discover Bank has allowed an application to be submitted " Online '' in my name and then proceeded to open an account on Opened XX/XX/XXXX. This was after my wallet was stolen in XX/XX/XXXX. Following, I saw this on my credit report in XX/XX/XXXX. I notified Discover at that time, as well as notified the FTC that this account is appearing on my credit report ( s ) and that this is identity theft, whomever stole my identity ( Drivers license, social security card, email addresses, and also forwarded my XXXX mail ). After I found out I started correcting this issue which has been ongoing identity theft. I started by having the Inquiry blocked and notified the company this whole account was fraudulent. The company ( Discover Bank ) Advised me that the account would be closed to Identity theft, and that they would investigate this and send me an affidavit to fill out. Instead of disputing the account as identity theft and properly correcting the fraud that the crook opened. Discover decided that it was appropriate to harass me and my family. They called my father, Told me they called my mother, called my brother and my aunt. Me and My aunt already are victims of Identity theft. To call and harass us when clearly the account was fraud is redicules especially since discover isn't correcting the issue. Instead Discover decided it was appropriate to report to XXXX this fraudulent account was " Closed on XX/XX/XXXX. '' ) Again not what the CS Rep said and therefore reporting inaccurate fraudulent information at that. This account application was submitted online fraudulently without my knowledge, I did not sign any paper applications. Not only was this account opened there were several other accounts opened. My email addresses were hacked, and my mail was forwarded by the XXXX XXXX XXXX. I have since gotten these issues corrected but it has taken many years. Discover now told me that instead of reporting the account as Identity theft they are disputing the account as FRAUDULENT TRANSACTIONS. Let me specify that I did call in and report this to discover AS IDENTITY THEFT. I never received any cards from them and never used the cards, yet instead of correcting the ID theft. They decide to dispute the transactions as fraud. They are not following proper procedures and do not care to investigate the Identity Theft. I want all communication and harassment being placed to my employer, my father, me and my mom and my family All to stop immediately. Additionally, I sent the police report I am attaching below. I am a victim of Identity Theft. The Application for the original account that you closed now 4 Times according to your analyst was fraudulent. I never once received any card, did not use the card, and did not authorize the application which was fraudulent all the way around. I want this corrected immediately and this to be removed from my XXXX report as you are causing me monetary loss and losing thousands of dollars, also causing me damages because you keep reporting false information to the XXXX, XXXX and XXXX Credit Bureaus. This needs to be corrected, I do not find Identity Theft to be a joke. I am a victim of fraud and the crook is not in my family, Someone must be targeting my family I am not sure.
08/03/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • FL
  • 32836
Web Servicemember
I opened a checking 's account with Discover Bank in order to use their 1 % back debit card. That card was activated on the XXXX of XXXX. Since Discover Bank is entirely virtual with no physical banking locations, I would have to deposit checks, wire money, or so forth virtually in order to submit funds to the account. On XX/XX/XXXX I deposited a cashiers check for the amount of {$5900.00} plus a {$10.00} fee for the cashiers check, totaling {$5900.00} being removed from my XXXX bank account, and {$5800.00} being deposited into my Discover Bank account. The following morning I saw that the cashiers check had cleared pending charges and was in the account, although I did not attempt to use any of it incase it was still not entirely available yet ( the Discover Bank app makes it confusing to know if the funds are entirely available or not yet ). Later that day on the XXXX I received an email from Discover Bank saying " we noticed unusual activity on your account. For security purposes, we have suspended access to your account. If you have already spoken to us about this, no further action is needed. '' I immediately called them with quite distress as practically every dollar I own as a college student was supposed to be deposited into that account. Upon calling them an automated message told me they closed my account upon suspicious activity and no longer would like to do business with me. It continued to say my funds would be held for up to 60 days which is when a check would be written and sent back to me. I tried to connect to an agent who was extremely kind, but offered no real help as she could not find out any additional information. By this time I had merged my father into the call as I was panicking and couldn't think clearly myself. We ended up speaking to a manager who claimed to of escalated the complaint and said that he would reach out to the department that closed the account and try to find answers, giving me a call back by Monday the XXXX of XXXX at the latest. Monday comes around and I have not received a call. I gave the manager until Tuesday the XXXX of XXXX just in case, but still as of today, the XXXX of XXXX I have heard nothing back. At this point, I have tried to be patient and kind to Discover Bank, asking and waiting patiently to speak to someone who may know something about the account closure, offering to even provide proof that the funds were 100 % real and in no part fraud, but they have evidently not cared enough to reach back out. I am confused how not only can a bank be so careless about an individuals funds ( especially when those funds were supposed to be directed towards paying my share of rent to keep a roof over my head for the next 5 months ), but also how they can hold money without no proof or willingness to be provided proof for up to 60 days? Is 60 days considered " a reasonable amount of time '' as coined by the FDIC? I will be providing a screenshot of the statement from XXXX bank proving the funds came from my account and were verified by XXXX. Please note, I would provide the account number if I could, although I never received an account statement and can not access the online account to find it. If there are any other questions, please let me know.
11/16/2016 Yes
  • Credit card
  • Credit card protection / Debt protection
  • CA
  • 95377
Web
XXXX My experience with XXXX : Unethical Sales Practice XXXX XXXX I was walking through the outdoor mall in XXXX XXXX and was approached by a girl outside of the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX. She was offering free hand cream samples. When I grabbed XXXX she said would you like some eye cream? I said o.k. and a man from the shop named XXXX insisted I come in so he could show me how the eye cream works. He began putting the cream under my left eye to demonstrate that It worked. He was very high pressure and was a smooth talker. I purchased the eye cream and he threw in some additional products, moisturizer etc .... and I bought the product for {$480.00}. I should have stopped it there. He then mentioned that I needed more help on my sagging face and wrinkles ( a good sales technique, tailored for a woman who is at the stage of life that she is feeling self conscious of these things ), he then applied a mask to my face and neck. I was ready to walk out. But my face was full of product. He then somehow convinced me that I needed this stuff and I bought into it and purchased another {$2100.00} on my discover card and {$1000.00} on my visa card. I was supposedly getting {$8000.00} worth of miracle skin care products for a fraction of the cost. He even added additional items at no cost ( none of which were itemized on receipt ). I should have realized this was a bit odd, when he continued putting items in my bag. My boyfriend said maybe you are ok with the eye cream. I should have listened. They push the receipt at you while you are having your face worked on and you do n't even realize what you are signing. Never did they mention there was no refund on these items. They charged my cards for the product. Since we were flying home my boyfriend suggested we should not take this in our luggage. XXXX the owner said he would ship the items to our house at no additional cost. We were leaving store empty handed and XXXX the owner, insisted we take some golden masks with us. We took them and headed out to our hotel. My boyfriend and I were discussing the purchase we XXXX thought it all sounded strange. XXXX himself, when trying to make the product seem amazing said this was a reputable product not like the stuff you buy off tv that adds more things for the same price, I ca n't believe I fell for it. When we got back to the room I looked up adore on my cell phone. There were several reviews on yelp about it being a scam, the better business bureau does not accredit them because of XXXX complaints in the last three years and online it said that their receipts said no refunds. I had not read the small print on the receipt, I cant read small print without reading glasses and it never occurred to me that cosmetics could be purchased with that policy. Sure enough the receipt said there are no refunds. Exchanges only within 14 days and all sales are final. No where in the store were there signs stating that. The sales people never mentioned that to me either. I went on the XXXX website and it states that they will refund unopened product within 14 days in the form of credit to credit card holder for items purchased through XXXX website only. disputed and lost with cc company never got anything for money.
10/14/2015 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't get flexible payment options
  • MA
  • 010XX
Web
To whom it may concern : I am writing this letter in an effort to bring to light how Discover handles struggling debt burdened borrowers buried in Student Loans with interest rates ranging from 7.5 - 9.9 %. As a XXXX, I am deeply concerned with Discovers inability or desire to offer help when consumers are struggling with repayments terms as a result of financial difficulty. I attended XXXX XXXX XXXX College/University XX/XX/XXXX-XX/XX/XXXX. During that time, my mom did what she could to put me through school, which included taking out private loans through Discover. While the terms of the loan were disclosed in the papers, granted she may not have understood 100 % ( Which is also a concern as the aid officers are sales people that need paying students for their success and sustainability, and how the terms are explained needs to be investigated at as well ) as she was doing everything she couldan to help me., that is not the issue. I certainly had no idea what I was getting into as the details were never explained to me. Coming out of college, I was fortunate enough to obtain a job as a XXXX, helping people every day with their finances, which makes this a little more ironic, as I see every day how Student Loan debt is crushing consumers. The payments requested by Discover once the loan came due were $ XXXX/month. Obviously, I quickly turned to them for helped and used forbearance on my loans for six ( 6 ) months. That time has come and gone with no internal solutions created by Discover to help me through a difficult situation. They at times seem judgmental as to my efforts to secure more income, ask me to turn to my mom the cosigner to make the payments, not knowing or caring what financial difficulties she might be having, and repeating the same options to me every month I call, ignoring any pleas that I have made for help or assistance to offer terms I could afford. My student loan counselor/XXXX and I have called Discover every month like clockwork to see if there 's anything that can be done. All they offer is forbearance, which I only have 12 months available for the life of the loan, of which 6 months have already been used, interest only plans ( still close to $ XXXX/month ), going to my co-signer who is overextended in her own right. They have the audacity to say they 're here to help, said they 're glad to see I received assistance on my federal loans, but turn around and do nothing to try and help. We 've offered a plan that fits my means multiple times only to hear " no, no, no '' from Discover. It is crystal clear that Discover has no desire, policy, procedure or aid to help borrowers that have limited income. Understanding how this industry works, it 's easy to see that as I continue to not makingbe unable to make payments ( {$4400.00} past due as I 'm writing this ) that it will go to charge-off, collections, lawyers, court, etc. If it reaches a garnishment stage, I am aware that a certain number can only be taken, which is the number we 're willing to work on and offer monthly now, but Discover has no desire to consider this offer, even though that is where this will go if they can not work within what I can afford.to no avail Please help!!! Respectfully, XXXX XXXX
11/18/2018 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • CA
  • 936XX
Web Servicemember
On XX/XX/XXXX I got my first direct deposit with discover checking account and I used my debit card at my local gas station.the transaction went smooth I thought because it gave me my XXXX $ without Incident. About a half an hour later I filled my gas tank up at a different gas station.Then try to use it at a restaurant it was declined 2 times didn't think nothing of it.Went to dollar general and where it was decline again so I used there phone to call discover and they told me card was frozen because of " weird '' transaction they stop it after the atm withdrawal.i told them exactly how much I used and I used it at the gas station to put gas and they didn't know that.they said I would have to wait 60 business days to receive my money.didnt have my phone to verify the account because due to room fire.so he tried to ask me 3 security questions I know I got them right he said I was wrong I already had told him that my identity was stolen because I seen My credit reports I never did like some hard inquiries.they told I can unfreeze my card if I get my email account friend let me borrow money to get a prepaid phone took a while to get into my email account but when I did called them back and was told that my email will not work.now they were asking for documents I told them I used all my data on my prepaid phone so I asked can I fax the documents so I did and they gave me wrong fax number that number was to a different office.the called agin and Was given a different number To FAX And I did I gave him my birth certificate security card my identification card my check stubFront and back also upload it as they requested and discover said there fax machine was down then tell me my account is closed.talk to several different managers some where so rude and even hung up on me.i asked for any other number I can call for help they denied me and said that was the only number.they were asking for my employer to send them documents discover told me that my employer and that is the state of California banked with XXXX XXXX and for me to contact them so I did sound was embarrassing when called so hung up then called human resources for XXXX and they told me that they have to request the form and they will fax it to them I even tried to 3 way them but phone didn't support that.and them called them told discover about my employer said and they still gace me the same answer that I requested that form and I have to wait 60 working days to get my money that's should of been XXXX $ $ in my account.my house burned I still have no money I just want funds I feel like I'm lending them money to invest.they calls are super rude extreme dishelp I never thought that a bank can do this to me or treat a costumers in such a way worst experience I ever had and all when I need it the most my kids still need food and sad thing is I worked hard for that money what i used to feed my XXXX kids I just don't want this to happend to someone else especially when you have to buy food for your kids and I can't believe they can do such a thing to a person for no reason and no faults in of mines during a tradgitey.i called on the XXXX of XX/XX/2018 around XXXX from XXXX XXXX in XXXX ca and from a XXXX ... and XXXX that I no longer have
02/02/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 94941
Web Older American
Dear Consumer Financial Protection Bureau, I am writing to you to ask about a situation I encountered recently that just doesnt seem right. Part of what happened involved fraudulent use of one of my credit cards, which is why I am contacting CFPB. ( The remainder of this situation appears to require me to contact a different bureau or agency. ) My concern is not about getting any form of financial reimbursement, as the credit card company removed the charge when I contacted them to report the fraud. My concern is about how this situation could have happened to begin with. If what happened to me isnt already illegal, I dont understand why. Heres what happened : Last XX/XX/XXXX, I received an email notification from XXXX XXXX ( now part of XXXX ) that a renewal order had been placed for one URL that I have registered with them, out of several URLs I have. The order was for {$44.00}. I didnt place that order. So, I logged into my XXXX XXXX account and discovered that, indeed, an order had been placed on XX/XX/XXXX, to renew one account and that the order had been secured with a Discover credit card account that was mine, but that had been expired for 5 months at the time of fraudulent use. I contacted the Fraud Department at Discover on XX/XX/XXXX to explain what I thought had happened : That most likely, I was one of the millions of people affected by the massive data breech Discovery had recently experienced, and that the small charge on my credit card was a phishing attempt to see if anyone noticed. The rep I spoke with at Discover was XXXX. Later, in my extremely frustrating contacts with XXXX XXXX ( I lost the URL through what I believe to be very questionable business practices that I am also in the process of reporting ), XXXX XXXX tried to tell me that it was common for a company to use an expired card to process an order. I was flat out taken aback. I could see it if we were talking about a difference of a few days, one of those situations where a charge was made on the last couple of days a card was valid, and the charge was over the weekend, etc. but FIVE months? So these are my questions to you : 1 How can it be legal for a company to use a credit card to secure a purchase when that card has been expired for 5 months? If I walked into a store and tried to use that card, that card would be declined. Why is the use of this same card over the internet different? It seems to me that this kind of situation should be managed through financial regulatory agencies at a national level and not through an individual companys business policies or practices. XXXX XXXX should never have been able to confirm that transaction through Discover. 2 It appears the fraudulent URL order was placed online. How did the person placing the order get the security code? I had the expired physical card in my possession. According to Discover there had been no charges made on that card since XX/XX/XXXX. I do some online purchasing, but not a whole lot, and I dont do any banking or paying of bills online. I would really like to hear back from someone about what happened to me as I wonder how many other people this happens to, and how this risk can be controlled. Sincerely, XXXX XXXX XXXX
10/06/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 10002
Web
I am writing to request your assistance in resolving a dispute related to a recent transaction made using my Discover card ending in XXXX, which took place on XX/XX/2023. The transaction in question was a purchase made on XXXX, with order number # XXXX, for the XXXX XXXX convertible couch, totaling {$810.00}. The sequence of events regarding this dispute is as follows : XXXX On XX/XX/2023, I initiated a return process for the aforementioned product, which was approved by XXXX as per their return policy. The XXXX XXXX, chosen by XXXX, collected the product for return on XX/XX/2023, and the return was confirmed by tracking number XXXX. 2- Approximately a week after the return was initiated, I contacted XXXX to inquire about the status of the return, and I was informed that XXXX XXXX refusing to accept the returned product, citing space constraints in their warehouse. 3- Despite multiple attempts to communicate with XXXX XXXX the return status and refund, they failed to acknowledge receipt of the returned product, making it impossible to initiate the refund process. 4- In response to this, I initiated a dispute with Discover on XX/XX/2023, reference number # XXXX, providing them with documentation from XXXX confirming the return and a conversation screenshot with an XXXX XXXX, which confirmed the return of the product. XXXX Unfortunately, the dispute was not resolved in my favor, as XXXX XXXX they did not receive the returned product. XXXX Following further communication with XXXX XXXX they finally confirmed the receipt of the product and initiated a refund on XX/XX/2023. However, the refund was not reflected in my account, and when I requested an email confirmation, the email received contained incorrect information, stating that the refund was made to a XXXX XXXX, which was not used for the purchase. XXXX Subsequent attempts to clarify the refund issue with XXXX were unsuccessful, as they refused to send another email confirmation. XXXX In response, I initiated a second dispute with Discover, providing them with additional evidence of the refund made by XXXX XXXX including a conversation screenshot with an XXXX XXXX who stated that the refund was made to the card I used to make the purchase. XXXX Regrettably, the second dispute was also not resolved in my favor, and I was charged back for the couch on XX/XX/2023. ( During the process of a dispute with the credit card they withdraw the charge from my card and after stated that I lost they charged back. ) XXXX In another attempt to resolve this issue, I obtained a screenshot of a conversation with an XXXX XXXX confirming that the refund was processed on XX/XX/2023, to my Discover card ending in XXXX. I have been caught in a frustrating cycle of communication between XXXX and Discover, with neither party taking responsibility for resolving the issue. As a result, I am left without a refund for a product that was returned within the stipulated return window. I kindly request your assistance in resolving this matter and ensuring that the refund is processed to my Discover card ending in XXXX, as confirmed by XXXX. Please find attached the relevant documentation, including the conversation screenshot with XXXX support.
06/01/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • CA
  • 93306
Web
Approximately two years ago, I was a primary card holder with a joint co-signer. That co-signer was my mother. Payments were always on time, the account was current, etc. I paid everything and all charges were mine. My mother, XXXX XXXX XXXX, ran into significant financial trouble and contemplated bankruptcy. She also held a completely separate account in her name only. Knowing that she would be filing for bankruptcy and not knowing what Discover would do to my account with her as the co-signer, I quickly took money from my savings account and made a large, lump-sum payment of the entire balance so as to avoid any issues. Sadly, Discover felt the need to retaliate against my mother for her bankruptcy and to me, apparently, for paying off the balance thus eliminating the interest they were earning and closed my account without warning. The account was mine, with me as the primary account holder, and it was in excellent standing with a XXXX balance. I did nothing to Discover and yet they chose to close my account causing my credit score to take a hit because of the reduced credit availability and the closing of an older account thus reducing the average age of my accounts. I tried calling them to argue the point but their automated system would recognize my number and force the call to be transferred to the bankruptcy team who offered no help. In fact, they were outright rude and even suggested I pay the balance of my mothers card that was solely in her name. When I refused, I was disconnected upon. I attempted to contact supervisors, but to no avail. I was effectively blacklisted and retaliated against without any reason to do so other than a family members bankruptcy. Fast forward s few years later to now. I decided hey, maybe they go this straightened out on their side and so I completed a prequalification ( reference XXXX ). Despite having perfect credit with a FICO of 750+, 17 % UTL, no derogatory remarks or collections at all, XXXX of 4 years, home owner, and excellent income, I was denied. The reason given was Status of Existing/Prior Account. I called the number provided ( XXXX ) to their credit operations team and spoke with XXXX XXXX whom informed me that my earlier account had been revoked. I attempted to explain the situation but she wouldn't hear it. Like before, I needed to be transferred to that Bankruptcy department and guess what - they're closed right now and I'd have to call another day. I believe Discover is violating the FCRA as well as retaliating against me for the actions of another. Because of their actions, I have suffered financial loss by way of the closed account and effect upon my credit score. As evidenced by todays action, Discover - despite being aware of the situation and failing to remedy it - continues it's illegal and aggressive actions to punish a good standing prior card holder who is otherwise completely qualified according to their guidelines due to another card holder exercising her ability to file banakruptcy ( which was granted ). My financial well-being is superior with absolutely no blemishes. I work hard to pay my bills on time and my record reflects a perfect payment history. My name is XXXX XXXX XXXX and my phone is ( XXXX ) XXXX.
07/14/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • CA
  • XXXXX
Web
It seemed like a plausible idea, getting a Discover card in order to earn the cash back. Their online application was ok, but then they wanted an address verification for an address thats been on my credit for about 25 years. Think Discover is clueless? Yeah, a bit. Then, I had to send in an address verification. Really clueless? Yep. Then they wanted to talk to me. Strangeness, since Ive never before had to speak to a credit card company to apply. Anyhow, I spoke with their representative and she seemed fine with everything. She told me I was approved and would be receiving a card in the mail. Great. I get a card and call to activate it. After some transferring run-around, I speak to a gentleman who is a bit evasive and confusing. After a long conversation where I had to elicit any actual information, it turns out I was not approved. The earlier representative had lied to me. Discover wanted to begin a lengthy, costly, and detailed background investigation. For a personal credit card? Ridiculous. And I know exactly why. And it has nothing to do with credit. Ive had credit cards for over 30 years and never failed to pay a single one. No bankruptcy. Never even made a late payment. And Discover treats me like they want to scrape me off their shoe. Obviously, creditworthiness is not a factor at Discover. What else could it be? Yep, racism and discrimination. All there is to it. They are a hateful, arrogant organization who issues credit to whomever they want. With prejudice and malice against the others. Not with impartial criteria of creditworthiness. I have a credit score upwards of XXXX, but the Discover policy makes me a persona non grata unless I want to endure a background investigation. Their ruse is to say they want to access historical tax records, but we all know thats a sham. Tax records are backward-looking and are only the beginning of a truly meaningful background investigation that takes months to give a picture of a persons responsibility, character, etc. Necessary for a security clearance? Absolutely. A personal credit card? Not a chance. If Discover was actually concerned about a persons ability to pay a credit card, the simple solution is to limit the credit amount and/or make the card secured by a deposit. Entirely reasonable for those with short and/or muddied credit histories. But to conduct an investigation on a person with no negative credit history and a score over XXXX? They were simply looking for excuses to discriminate on things other than creditworthiness. Discover is blatantly in violation of the Equal Credit Opportunity Act, which prohibits discrimination based on race, religion, national origin, gender, marital status, age, and associated factors. Sadly, a large company like Discover is allowed to operate a discriminatory credit card business while regulators, lawmakers, and state AGs let this happen. So far. Well, Ill do my part to make sure Discovers dirty laundry gets aired out. Hopefully, regulators will put a stop to Discovers discriminatory practices and systemic racism. I would have been an extremely responsible customer, and instead, they have made me into a lifelong enemy who will champion against Discover for many years to come.
12/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07065
Web
According to15 U.S. Code 1681a -Definitions ; rules of construction ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Reporting transaction history and utilization is illegal.Discover Bank, and XXXX XXXX XXXX have been reporting my transaction history since the opening of each account, to the credit agencies XXXX, XXXX, and XXXX, who then have been providing that information to everyone who has run my credit which is a violation of the FCRA. Please remove any reports of transaction/ utilization history from the credit reporting agencies, XXXX XXXX XXXX, and XXXX and update the report to reflect all accounts paid as agreed from this day forward.Discover Bank, and XXXX XXXX XXXX , are all in violation for sharing this information. The Fair Credit Reporting Act 15 USC 1681 section 602 statesthat '' There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Discover Bank, XXXX XXXX XXXX ( the financial institutions ) and the consumer reporting agencies, XXXX, XXXX and XXXX do not have my consent to furnish this information. I as the consumer have the right to make sure my private information isn't shared which is backed by15 USC 6801whichstates " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.Discover Bank and XXXX XXXX XXXX are financial institutions under that title.15 USC 1681 section 604 a section 2statesthat " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : by the written instructions of the consumer to whom it relates. '' Discover Bank, XXXX XXXX XXXX, XXXX, XXXX, and XXXX do not have my written consent to furnish this information via written or verbal consent. All consent to Discover Bank, XXXXXXXX XXXX XXXX, XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Discover Bank, XXXXXXXX XXXX XXXX, XXXX, XXXX and XXXX do not maintain reasonable procedures. All transaction history/ utilization are to be removed from the report and to no longer be reported. The reporting from the financial institutions Discover Bank and XXXXXXXX XXXX XXXX on my report from here on out should be reported as Paid as agreed.
12/20/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • OR
  • XXXXX
Web
XXXX, You made sure to address the fact that the identity that Discover used to illegally open an account in my name, matches the same identity that i have provided. XXXX, Do you know the definition of IDENTITY THEFT? XXXX, You stated that this illegal account was application was submitted online, and therefore you do not have a physical application that you can provide to me. XXXX, Do you know how to use a printer copy machine? XXXX, You stated that your records indicatethat a Discover re. spoke with me over the phone during the application process. XXXX, Your above statement is a LIE, i spoke to nobody because i did not know anything about this illegal activity. XXXX, You stated that on XX/XX/XXXX i contacted your customer assistance department and reported the account ending in XXXX as lost or stolen. XXXX, If you look closely at the paperwork that i have attached under files, ( and had also emailed them to you recently ) you will notice the document with the date of XX/XX/XXXX. Are you telling me that i received a letter from Discover acknowledging my report of this crime ON THE VERY SAME DAY THAT YOU CLAIM I REPORTED THIS CRIME? Your not doing very well so far XXXX XXXX XXXX XXXX, You stared that the account ending in XXXX, was closed on XX/XX/XXXX. XXXX XXXX, You will notice the attached file documents where Discover states that the account ending in XXXX was closed on XX/XX/XXXX. And it was closed for investigation of unauthorized use of my name or other personal information.,. ( IDENTITY THEFT )! Now XXXX XXXX, take a look at the file documents that i provided, and you will notice the date of XX/XX/XXXX. Account ending in XXXX. The document states that Discover has determined that unauthorized charges have occurred on the above referenced account. The account has been credited for these charges. As i requested, the new account has been closed and no new cards will be issued. Therefore XXXX XXXX, your statement is a misrepresentation of facts. XXXX XXXX, You stated that on XX/XX/XXXX, i contacted your customer protection services department and provided additional information and advised that i had become aware of the account back in XXXX but did not close as fraud because my spouse had opened it. XXXX XXXX, YOU THEN STATED THAT ON XX/XX/XXXX, THAT I ADMITTED TO BECOMING AWARE OF THIS ACCOUNT AND DID NOT WANT TO REPORT THIS AS FRAUD BECAUSE MY WIFE HAD OPENED IT. Are you starting to see the pattern, of incompetence?! I also have documents for account ending in XXXX, dated XX/XX/XXXX, and then just take a look at the debacle of information contained within the rest of the attached file documents from Discover. XXXX XXXX, REMOVE THIS ILLEGAL ACCOUNT FROM MY NAME IMMEDIATELY! Otherwise it will be DISCOVER COMMITTING FRAUD! Also it is my Right and your Duty to provide me a copy of the application that was used to open said Fraudulent Account. Please comply and provide the above stated application here within your response, so that the CFPB can have a look at it too. Also include the Verification to Consent to Esign that are required to legally esign. Im not sure if XXXX was charged to Discover? Can you also provide verification or proof of XXXX?
11/26/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • LA
  • 70005
Web
Good morning all I am sending this so you ( XXXX XXXX ) have an idea of how this new process is already going downhill. I will be calling you at XXXX Arizona time and will wait on hold until you can come to the phone. Since you told me back in XX/XX/XXXX that you would hand walk this package forward, and it is now almost three months later, I need you to stand by that process and the revised rate you offered me back in XX/XX/XXXX and again two days ago. You can see based on the issues below that nothing has changed and Im actually in a worse place than I was when we started. Im losing contractors left and right. I need this to move at lightning speed at this point. I expect Discover to act with some ethics here considering the circumstances that are now severely affecting my ability to move forward and to be treated fairly. I need answers to the following from XXXX XXXX : Interest Rate The rate originally quoted to me was XXXX and XXXX back in XX/XX/XXXX. Discover had made an error in its quote apparently. So my rate became XXXX. I accepted that. Then on XX/XX/XXXX I redid my app as requested and Discover again quoted a rate of XXXX as evidenced in my screenshot. Discover confirmed that rate again the next day in an email from my loan officer. I expect Discover to honor the XXXX latest rate quote received just two days ago on XX/XX/XXXX and confirmed in an email on XX/XX/XXXX by my loan officer. You can not and should not feel it is ok to continuously gouge me and hide behind lending guidelines as the reason. The only reason the rate is different here is because of Discovers delays. Even if you hadnt quoted me the rates above, the interest rate was supposed to be based on my initial credit score of XXXX. My score dropped immediately after Discover made their inquiry, and now isnt being used because of your repeated errors and delays??? My understanding was that the new inquiry was only used to determine my debts and LTV not my rate. These delays have been repeatedly caused by Discover, not me. Why should my interest rate change because your company has made repeated errors and caused unnecessary delays? It seems very unethical to me that this is happening. Income You keep saying I have not earned overtime for the past two years, when I have been earning overtime for both XXXX and XXXXfor the past two years. According to my employer it is expected to continue. The guidelines Pia said Discover follows Appendix Q and it clearly states overtime and bonus income for two years which I satisfy per my : -Consistent bonus income in XXXX -Consistent overtime income in XXXX -Consistent overtime income in XXXX All of which youve verified with my employer is on the upward trend and expected to continue. I meet the guidelines for consideration of overtime per Appendix Q. Questions : What is the monthly income you are using as a total to determine DTI? What is the exact dollar amount ( TOTAL ) of other debt ( not housing related ) that you are coming up with that I need to pay off to be within the 43 % based on the above? Which years of income are you using in the income calculation? XXXX and XXXX? XXXX and XXXX? Since XXXX is basically complete XXXX should be considered.
12/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07065
Web
According to15 U.S. Code 1681a -Definitions ; rules of construction ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Reporting transaction history and utilization is illegal. XXXX and Discover personal loans, have been reporting my transaction history since the opening of each account, to the credit agencies XXXX, XXXX, and XXXX, who then have been providing that information to everyone who has run my credit which is a violation of the FCRA. Please remove any reports of transaction/ utilization history from the credit reporting agencies, XXXX XXXX XXXX, and XXXX and update the report to reflect all accounts paid as agreed from this day forward. XXXX and Discover personal loans are all in violation for sharing this information. The Fair Credit Reporting Act 15 USC 1681 section 602 statesthat '' There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Discover personal loans, ( the financial institutions ) and the consumer reporting agencies, XXXX, XXXX and XXXX do not have my consent to furnish this information. I as the consumer have the right to make sure my private information isn't shared which is backed by15 USC 6801whichstates " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX, and Discover personal loans are financial institutions under that title.15 USC 1681 section 604 a section 2statesthat " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : by the written instructions of the consumer to whom it relates. '' XXXX, Discover personal loans, XXXX, XXXX, and XXXX do not have my written consent to furnish this information via written or verbal consent. All consent to XXXX, Discover personal loans, XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Discover personal loans, XXXX, XXXX and XXXX do not maintain reasonable procedures. All transaction history/ utilization are to be removed from the report and to no longer be reported. The reporting from the financial institutions XXXX and Discover personal loans, on my report from here on out should be reported as Paid as agreed.
08/07/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30127
Web Servicemember
XX/XX/XXXX, I XXXX XXXX was a victim of identity theft and fraudulent activity on my accounts via XXXX XXXX, Discover in which 1st two charges were purchases made via XXXX, the XXXX XXXX person charged a computer in the amount of {$1000.00} and mailed to XXXX XXXX XXXX, XXXX, GA XXXX, and the transaction was in my name but not me. The hacker was receipting the notifications in my email account and dumping in my trash, and discovered via conversation with XXXX Rep. I notified XXXX and they still let the purchases take place. XXXX ( XXXX {$2000.00} from personal accounts ). XXXX was vigilant in stopping the wire, and the credit card theft, and issued new accounts immediately to all accounts, thief was not successful. XX/XX/XXXX, I noticed unauthorized charge in the amount of XXXX charged via XXXX for book purchase. Discover is stating a different story. Today, XX/XX/XXXX, I could not get what was purchased via XXXX Rep I must contact credit card company. First conversation with XXXX Rep confirmed the charges were not made by me and to contact the credit card company as it was fraud. I did dispute the charge. Discovers investigation said the purchase was sent to me to my address XXXX XXXX XXXX, XXXX XXXX GA XXXX, provided the description of items I supposedly received, which I had not received ( Elastic band for a wig, Printable shrink plastic sheets, Satin fabric wedding dress, XXXX for wedding dress decorations, 181 plastic sheets ). Discover representative indicate I have an authorized user on my account, my daughter. I explained to the representative in XXXX the permission for my daughter was taken off and all charges attempted to send after the date of me calling XX/XX/XXXX and cancelling all cards and further transactions were not going to be my responsibility. I informed the Representative I can close the account. The Supervisor in XXXX assured me that no one will be allowed to use card and all transactions will be stopped, supervisor supposedly fixed the issue so I would not close my Discover account. I was out of XXXX worth of charges I did not make, and I paid it off. New card was issued, and old cards and person given permission was removed from the account. Two years later, XX/XX/XXXX I reported fraud and was issued a new card. Today, I asked the lady how a card that was cancelled in XXXX incur new charges on new issued cards ( XXXX card ( XXXX ) and XXXX card ( XXXX ), and the person does not have authorization or permission to use Discover card. I'm so upset at this point. Why should I have to continue to worry about someone who had access to a cancelled Discover card that was closed out in XX/XX/XXXX but still can charge on a closed-out account with XXXX and I am held responsible. Since the XXXX incident I have not spoken to my daughter, and even if I did it has nothing to do with how charges are being made on a closed account and I am being held responsible. As stated in XXXX I will not be responsible for reoccurring charges, new charges especially on a closed account. The call in XXXX should have been on a recorded line and pulled to confirm the assurance the supervisor provided. Now I am dealing with charges I did not make nor give permission in XXXX.
11/17/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • GA
  • 30342
Web
I have been a Discover card member since XXXX. On Saturday XX/XX/XXXX, my husband had a number of credit cards stolen from his wallet while we were out jogging. We discovered this when random charges at an XXXX XXXX in XXXX, GA starting showing up on his phone. He was called or reached out to each of them and they denied the transaction. Then, my phone was notified of such a transaction for {$1500.00} on the Discover Card and I immediately went on the app and froze my account. This was good as the thief then tried to put another roughly {$1600.00} charge on the account, which was denied. So keep in mind that the thief had tried 2-3 times to use different cards before the Discover card went through. So clearly someone at the XXXX XXXX had been allowing them to try this without checking IDs. And then clearly tried to put another {$1600.00} on the account ( which luckily, I had frozen ). I called Discover immediately and told them my husband 's card had been stolen and that there was a fraudulent charge pending and could they deny it. I was told that the charge could not be denied, but that I could dispute it after it came through. This seemed weird to me, and I expressed that, but was told that was all I could do. They also cancelled the account and resent us cards. Then, today, I went online and saw this notice : Resolution Date XX/XX/XXXX Description XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} Dispute # XXXX XX/XX/XXXX Transaction has been found to be valid. A decision has been reached for this investigation and we have found that this transaction is valid. You can expect to receive information on this decision to be sent to you via mail or secure message at Discover.com. Please review this information when it arrives for important details summarizing this dispute inquiry. Please notify us as soon as possible if you wish to continue this dispute. So I called Discover immediately and said that I wanted to dispute this. I went over the details again and I was quite upset. The first man I spoke to said it was my fault because I didn't report the card as stolen -- I just disputed the transaction. This is false, as I called Discover as soon as I found out the card was stolen. He then transferred me to the fraud department and I was assured by the women I spoke to there that this would be re-investigated and that she was sure it was fraud and it would be taken care of. She particularly noted that the attempt to put about {$1600.00} on the card after they had had " success '' getting the {$1500.00} on pending status was a clear sign of fraud. Then that same day I got a notice that they had denied my request again. Again, they are treating this as a dispute and not a stolen card and fraudulent transaction. I have also reached out to XXXX and started a case with them to investigate this incident. They called the store who now says they also believe that it was an illegitimate charge -- especially since clearly the thief tried several cards before this one went through. But since Discover let it go through, they feel like their hands are tied. So I am stuck - XXXX says the charge was fraudulent but wont refund it and Discover wont refund me for the fraud.
03/29/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NY
  • 11214
Web
OnXX/XX/XXXXand onXX/XX/XXXXmy Discover Credit card was charged at 6 different locations. On XX/XX/XXXXthere were charges in XXXX XXXX NY for {$51.00}, at XXXX XXXX NY for {$5.00}, and two charges at XXXX XXXX XXXX XXXX, NY for {$18.00} and of {$13.00}. On XX/XX/XXXX there were charges at XXXX XXXX XXXX XXXX ny for {$710.00}, at XXXX XXXX CA for {$11000.00}, and a charge at XXXX XXXX XXXX XXXX XXXX NY for {$17.00}. I did not make those charges they were all fraudulent charges. I have proof of XXXX ticket that i was away in XXXX WI XX/XX/XXXXat XXXX XXXX, and I came backXX/XX/XXXX to XXXX NY where is reside. Few days later i realized there were charges on my account and I called to Discover Card to notify them that I didn't not make these charges. I was told that my account will be closed, i was also told by Discover that someone called and changed the phone number on the account, to which i explained that i did not do it and that I still have the same phone number as before. Discover took off the charges from my account, then put them back on saying that they are conducting the investigation. They told me to pay minimum payments until the whole situation is settled, so my credit score is not going to go down, and for 5 months i kept doing that. They told me that once we settle the case we will give you the money back from those minimum payments. I was told to make a police report that i did at a police precinct near my house. During all this time i kept in touch with Discover credit Card and the Fraud Department offering my help, proof, or any other information. My case was closed and they told me that i was responsible for the charges, without explaining and giving me any information. I tried to reopen the case and my investigator at the precinct kept threatening me that he will put me to jail, and telling me to speak to Discover. Discover Fraud department was telling me to speak to the investigator, so i was being thrown around without anyone telling me what is happening. In addition to that i never had a chance to speak to the investigator and explain my side of the story. I also tried to send in all the necessary proof to show that i didn't not make those charges but Discover Card refused to take a look at them. I was told that they are waiting for subpoena. This lasted for about a year and a half and I didn't get any info from Discover or from investigator. In XX/XX/XXXX i was told that my investigator was changed twice without notifying me and the case was closed and Discover refuses to speak to me. I was told that he highest charge from the XXXX XXXX XXXX for {$11000.00} was also delivered to my address, but I never received anything and never signed for it. I tried to show proof to Discover that my signature does not match, that on the day of delivery i was not home and that i have proof where I was and who is was with. Besides that 4 charges on XX/XX/XXXXwere made in XXXX NY and I was in XXXX WI. I don't know what to do, i am hopeless and helpless. I have huge debt on my card that i did not purchase, my credit score dropped and no one gives me any information as to what is happening and what to do next. I will submit all the proof that i have.
08/06/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NC
  • 27804
Web
I recently opened a near checking account with Discover Bank ( early XXXX ) and on XX/XX/XXXX, I immediately ACH deposited {$25.00} into it from an already established checking account ( XXXX XXXX ). That transaction only took 2 or 3 days with funds being available. The system with XXXX XXXX to a trial ACH transaction of its own on XX/XX/XXXX for XXXX cents and that too was processed in couple days. On Friday, XX/XX/XXXX, I submitted request to ACH transfer {$920.00} from that same other account, XXXX XXXX. Unfortunately funds are not quickly available for this transaction and a hold is put on it so funds wont be available till XXXX. When I submitted the request, the Discover system said that funds would be available in 2 days. I contacted authorities at Discover and they all are saying the process is systematic and they have no way to take the hold off. They obviously have the funds which was verified by the other bank. The specific rules for Discovery ACH tranactions indicate that they typically may take 2 to 3 days but exceptions to that related to disciplinary issues and if the account is new. That means the system may hold funds for 10 business days. I find that rule very misleading especially with it not being referenced within system itself when doing it. More so, the prior ACH transfers were complete in 2 or 3 days, how would I have known that this one would be 2 weeks. This situation is very misleading, ambiquous and unfair. Immediately, I would like the Federal Reserve Board to compel Discover Bank to immediately take the hold off since the situation is not clear and I have urgent bills to pay. Additional Discover Bank problems : As result of not having access to the funds ach transferred from an already established checking account, I decided to try and get cash advance with the new Discover credit card. The 1st thing I did was contact Discovery bank authorities regarding this transaction and I was told that XXXX XXXX and any credit union would be able to do in bank counter cash advances. I wasted the whole day pursuing this effort and ended up having to get a smaller cash advance from XXXX ATM. I did however establish that XXXX XXXX is perhaps the only bank that would do Discover over the counter cash advances. On Monday, XXXX, I went to XXXX XXXX after setting up appointment and basically was denied cash advance for {$1000.00}. I then immediately called Discover and they said they did not know what issue was but maybe it was security related. After waiting in line for another 15 minutes, the XXXX XXXX authority to say that XXXX only does Discovery transactions once per day so the sole one being declined because of a discovery security issue precluded me from pursuing the cash advance. I have ultimately wasted over 40 hours altogether over these unfortunate issues with the Discover card and checking account. I am now set to argue for some form of relief for all these issues. I'd like to have my Discover credit card credit limit increased to {$20000.00} as a courtesy for all of the inconvenience suffered. This seems to be more sensible than asking for money Thanks, XXXX XXXX credit card : XXXX checking acct # : XXXX XXXX XXXX XXXX XXXX ( cell )
01/31/2017 Yes
  • Credit card
  • Billing disputes
  • NJ
  • 085XX
Web
I am documenting this since i believe i will ultimately wind up in court with this bank. i made a new years resolution to live differently and be treated differently. by all. i am being treated with scripts, bullying and having things reiterated i dont need and did not ask for. I have asked for help i still have not received. just scripts and copies of agreements i did not ask dont need and my 20 plus year record reflects i do understand. I dispute the interest, the late fee on XXXX and various other fees on my account i will not pay. if i do not get help soon the accounts will go into default as i know this is the only way to get help. The fact discover has singled me out how i am handled, i write to the CEO and he persists in sending my concerns to the same people who do not listen do not give me what i ask and persist in scripting me to death settling nothing. Credit card agreement does not deny me the right to dispute fees which i am now. late fee. i was not late and IF i was it would be first time in 20 years It needs to be refunded. Interest. i asked for a promo or for help none so they think and they are wrong i will pay the interest. Now instead of this process merely being a stamp on a letter where this agency seemingly does nothing. this practice and how i am being treated particularly in light of all the customership i have been there for is questionable. It changes nothing. I cant pay all this. it seems once i default which i will there will be help. this should change so its NOT dissatsifaction nor a need to get the agreement its DISPUTE and CONTEMPT for the way i am being treated and not assisted. I am being bullied. The thought is she will pay it lets ignore her. you are wrong. i will protect myself and protect my interests and what is right. this bank spends money on paying people to do nothing but stonewall. I did not receive statements i asked for and they wont send them saying they were not returned that does not mean i have them which i do not. I do not nor do they live long enough for this aggravation. help or the accounts default. period. i pay no fees WHY? not because i dont understand the agreement because i dispute them XXXX and because i asked for a way to avoid them let a judge decide but you will NOT bully me. All issues for the legal record previously brought to this offices attention remain unresolved. No other bank acts this way. All help. I will not sit like a sitting duck with my exemplary record of 25 years and pay interest and fees when i have asked to move the balance and when on XXXX i was NEVER late in 20 years. As for XXXX monies are building on that despite me being told way back i paid all balances upon which interest was accruing. Let the judge decide. I have had it. All that money there and this is the way they handle customers of 25 yerars? with scripts and bullying. and pretending i am asking for things i am nto clearly avoiding my requests? NO send statements refund fees. work with me it will be cheaper for you what you think i will do and can is wrong. i am tired of asking. PERIOD again nothing has been resolved that has been sent here. i cant imagine how they treat a bad customer. STonewall city with scripts.
08/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 92130
Web
I paid for an expensive website design and build with the Discover card. The company concerned, initially refused to build the website, claiming it was outside their area of expertise, after I had already paid with the Discover card. They relented and claimed that they had assigned a senior manager to manage the build. The manager proceeded to ignore my instructions and did not use the photos and videos that I carefully provided in their portal. After some weeks had gone by, I received the link to look at the draft website. It had not used any of my photos or my videos, and was very amateurish. The manager refused to meet with me in a reasonable time to find a resolution. It was clear that the company would be unable to create a professional website. I asked for the project to be terminated, and that a full refund would be placed to the credit card. The company refused to refund the money. I contacted Discover Card and a dispute was opened. Discover Card found in my favor, and refunded all the money to my card that had been paid out to the company concerned. The company concerned then submitted their documentation to support the charge. They claimed that they had built the final website, which was not true. They claimed this despite the fact that there is no website available at the URL that they were supposed to use, or any other website URL for that matter. They claimed that I had signed an agreement, which I had not. I paid over the phone, and then they must have created an agreement when I submitted the documents for the website. I contacted Discover Card and provided many pages of documentation to prove my case. The company refused to provide me with the recording of the initial call to order the website, which would have further proven my case. Discover refused to believe me, despite the fact that no final website was ever built, and the draft website was not what I ordered. I then closed the Discover Card account to prevent Discover Card from charging interest and late fees. This occurred last XX/XX/2021, and Discover has been charging late fees and interest since that time. I have never paid Discover Card late fees and interest in all the 10 or more years I was a customer. My bill has always been paid in full at the end of the month. I have called them numerous times, and they refuse to consider my case. I urgently need help to resolve this matter. They are ruining my business credit. I had not been aware of how they operate, never having been in this type of situation before. Consumers need to be protected from these underhand business practices. The company concerned offered a partial refund, which DIscover Card could have accepted to cover their expenses if they wanted to find in the merchant 's favor. They have not accepted the offer, and are still expecting me to pay the year 's worth of late fees and interest, as well as the original charge. The credit card was used to purchase this high value item, because of the fact that a credit card is supposed to have effective dispute resolution processes. In this case, the dispute resolution has been used to ruin my business credit in the attempt to make me pay for a service that was not delivered.
11/01/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • TX
  • 77407
Web
I called Discover to apply for a home equity line of credit. The representative asked for my name, social security, home address and the value of my home. Which I provided. The she asked me for my race and gender which I reluctantly provided. I informed her that the value of my home was between {$370000.00}. After providing my information she put me on hold. Then moments later she returned and told me my loan application was denied. She alleged that my home was valued {$340000.00}. I informed her that the value she quoted was wrong. I then disclosed that I had two certified appraisals with my home valued at {$370000.00}. She put me on hold then when she came back on the phone. She stated that Discover policy states all appraisals for the State of Texas have to be done from inside the home. I then asked her why she had not adhered to Discover Policy. Her response was vague at best. Then she continued by telling me that I wont qualify because my debt to income ratio was too high and that she would have to deny my application. She made mention of a XXXX loan that was on my credit. She continued that my income to debt ratio was over by about {$40000.00}. I informed her that the XXXX loan had been paid off and asked if she would be willing to put my application on hold to give me time to submit supporting documents from XXXX. I also asked her if paying off my house which would better my chances. She stated that paying off my house was no guarantee for approval. I then asked if she could place my application on pending status to give me time to submit proof of payment from XXXX. She refused insisting that application would have to be denied. I asked to speak to her supervisor. When they supervisor came on the line. I informed him that I needed time to provide the XXXX document and all the other documents which I knew would be needed to complete my application. I suggested that I can provide the XXXX documents along with other documents ( paystubs, home mortgage, insurance ) which are the norm for all home loans. The supervisor agreed. When I informed the supervisor that I was uncomfortable working with the representative who transferred me to him. The supervisor glossed over my discomfort as a mistake. I informed him that it almost seems like the representative 's knee jerk reaction was to deny my application without do her due diligence. I asked the supervisor if it was Discover policy to deny an application from the State of Texas without an interior appraisal he replied no. I then asked him why my application had been denied prematurely he didn't have an answer and repeatedly tries glossing over my concerns as a big misunderstanding. I then informed the supervisor that it seems applications from people like me were not welcomed. I informed him that I thought such biased, prejudicial practices were ancient. I then asked for my application to be withdrawn. I also demanded that the hard inquiry that Discover had placed on my credit report be removed immediately. He indicated that I provided verbal consent for my credit to be pulled. I responded by telling him that I provided consent to be treated fairly not to be denied even before my application was complete.
08/01/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 44107
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. DISCOVER FINCL SVC LLC XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
07/10/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • NY
  • 10456
Web
This complaint is against Discover credit card. I called in on XX/XX/18 to make sure my payment had posted in the amount of {$82.00} that I made on XX/XX/18 due on XX/XX/18. Part of the payment was a cash rewards credit of {$10.00} I was told by the rep and saw online that the {$71.00} posted but not the {$10.00} in cash rewards as it was still stating {$10.00} was due XX/XX/18. THE CASH REWARDS IS ALWAYS IMMEDIATE IF BEING CREDITED TOWARDS THE BILL! The rep said it would take 3 business days to post. I was extremely disappointed with this deceptive practice as previous cash rewards posted immediately. Had I not checked to see if my payment posted I would have been charged a late fee. I also asked the rep about the interest charge and she assured me that any purchases that I had made within the 14 month 0 % APR period would not be subject to any interest and said that any purchases made after the introductory rate would be subject to interest. I was told that if I dont make any purchases on the card and as long as I continued to make at least the minimum payment required I would not be subject to any additional interest or other fees of any kind. I received a statement online on XX/XX/18 adding interest of {$62.00} and I have not used the card or made any purchases of any kind. On XX/XX/18 i made an additional payment of {$10.00} because I did not trust that cash rewards payment would post on time as was told by the rep. Discover advertised the 14 month 0 % APR but later on without disclosure adds interest to those purchases made within the 0 % APR purchases once the promotion ends. This is fraudulent and deceptive business practices. I am well aware that whatever purchases I make after the introductory rate that those purchases should be subject to the interest rate..but no purchases made within that 14 month period should be subject to the interest rate. Discover interest rate is extremely high. When discover signed me up I explained that I am a XXXX person on XXXX XXXX and my income is fixed and limited. This is elder abuse and they need to be held accountable I have great credit and have never missed a payment nor payed late. Discover stated that I would not have to worry about any interest unless I made purchases then I would be subject to the interest rate. I trusted them to be credible and reputable and they have destroyed my trust in their business to be fair, transparent and customer friendly. I am completely appalled by their deceptive and fraudulent business practices. It is extremely disheartening that I was lied to and taken advantage of. Discover should not take advantage of people with XXXX who are not even capable of defending themselves in such financial predatory situations. I have tried to resolve the issue but they dont care in the least bit. Today XX/XX/18 I closed the account as I will no longer do business with this discover. I will continue to make payments on what I actually owe, but I refuse to pay interest that I was told I would not be subject to. In conclusion I would like that this complaint be escalated to the highest authority and that someone will assist in making sure that I will not be charged these erroneous fees.
09/15/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 19380
Web Older American, Servicemember
On XX/XX/2023 I was looking at a pharmacy website for gift cards and saw an ad for gift cards. Clicking on this ad brought up ransomware which locked up my XXXXXXXX PC. I tried to shut down the PC by pushing the power button several times but I was unable to turn it off. The laptop has a battery deep inside and I could not get it out to shut it down. On the front of the screen was a note that said to call XXXX tech support to help remove the virus. The phone number was XXXX which is the official XXXX tech support number. I called this number and thought it was XXXX, but it was a scammer. Somehow the virus had corrupted my phone and I was speaking to a scammer who claimed to be a XXXX employee and promised to catch the criminals and remove the virus. That was a lie. He proxied into my computer and showed me that someone in XXXX had used my credit card ( I recognized my credit card account number ) to buy {$15000.00} worth of illegal child XXXX. This number was linked to my name and address. Unless i sent the scammers {$15000.00} of gift cards to reverse the XXXX transaction, the police would come to my home, arrest me and put me in jail. He said I had 2 hours to buy the gift cards and give them all the numbers from the back. I knew the penalties for child XXXX so their repeated threats were very upsetting. I tried to call my credit card companies to confirm that this payment would reverse the transaction. When I called the phone numbers on the backs of my 2 credit cards, I got the same story that the criminals told me because the scammers had corrupted my telephone connections! Then the scammers sent me to the XXXX XXXX where I bought two {$2000.00} gift cards and one {$1000.00} gift card. The first attempt failed when i tried to use my XXXX XXXX XXXX credit card. The transaction was declined. Then I tried Discover credit card and those transactions went through. Discover card advertises their {$0.00} Fraud Liability Guarantee which says you are never responsible for " authorized '' transactions. Discover card claims they " protect you from fraudulent charges '' But now they claim that this transaction was " authorized '' by me. So, I looked up the dictionary definition of fraud : " The crime of obtaining money or property by deceiving people '' or " the crime of using dishonest methods to take something valuable from another person '' Thus, I am a victim of financial fraud. Discover card bank should have declined these unusually large, multiple gift card transactions, just as XXXX XXXX XXXX had done. But they did not. Instead, I got a full page letter dated XX/XX/XXXX from Discover bank explaining how sophisticated scammers have become and that I must pay up. I feel Discover bank is negligent because they have not protected their customers from fraud as they promised to do in their written advertising. As of XX/XX/XXXX, I have not yet been fined for not paying this extortion because Discover has decided to further investigate my dispute, even after sending me the letter of XX/XX/XXXX described above. Discover needs to update their computer system to detect fraud and decline suspicious transactions, similar to how other credit card companies do.
05/25/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • NE
  • 681XX
Web
On XX/XX/XXXX at XXXX XXXX I received an email from Discover with a promotional statement saying that if I purchased a {$45.00} XXXX 's XXXX membership by XX/XX/2020, then I would earn a {$45.00} statement credit back in 3 billing cycles. I had read through all the terms and met them all and proceeded to buy the {$45.00} membership on XX/XX/2020 with my Discover card. I have attached the statement on my discover account and the receipt from XXXX 's XXXX I had not received the promotional credit by XXXX still, so I proceeded to call Discover on XX/XX/XXXX. The first representative I had spoken to could not find the credit on my account but only found the memo that discover sent to me, which is also attached. She said that if I had to received the credit by now, then I do not qualify. I asked her why, and she said she did not know. From there, she escalated the situation to the supervisor, XXXX, who went line by line with me through the promotional statement and ensured that I met each term and condition. He believed that it was because the purchase on my discover card was {$47.00} and not {$45.00}. I said that this was due to sales tax, and he asked me to email him the receipt from XXXX 'XXXX XXXX to ensure that this {$2.00} was sales tax. I emailed him and attached the email. He said that he would call me back within 24 hours to follow up, and I never received a follow up call. Since I did not receive a follow up call, I called Discover on XX/XX/XXXX to ask about my credit. In this call, I was ensured that I would be receiving the credit by the XX/XX/XXXX billing cycle. It is currently XX/XX/XXXX, and I still have not received the credit. I called Discover today, XX/XX/XXXX, and the first representative I spoke seemed to not know what she was doing and had me on hold the entire time. She immediately directed it to a supervisor who stated that if I had not received the credit, then my account did not qualify. I asked why, and she said she did not know and there is no specific reason. She then proceeded to tell me that if I was told on XX/XX/XXXX that I did not qualify, then even if I was told on XX/XX/XXXX that I would be getting the credit, it does not matter. I told her that I was never told a direct yes or no if I qualify, only that the supervisor, XXXX, would be following up with me. I told her that I never got a follow up call, and she said that she would look back at the calls to ensure I was told " no '' I would not be getting the {$45.00} statement credit. She gave me the number to directly call a supervisor back in 24-48 hours. I received a response from Discover which is attached. They said that, " We were informed that you already had an existing business account with XXXX XXXX. Per the terms of the promotion listed in the email you received, our offer excludes Plus memberships, membership renewal, membership upgrades, add-ons, additional memberships, pre-paid memberships, or XXXX XXXX XXXX XXXX XXXX. '' This is entirely false that I had an existing business account with XXXX 's XXXX. I am XXXX XXXX XXXX, I do not have and have never had a business account with XXXX 's XXXX. I would like proof of this " existing business account. ''
06/27/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • XXXXX
Web
RE : Discover Card on XX/XX/XXXX for {$5500.00} ; XXXX XXXX XXXX I have tried to resolve this credit transaction with the appropriate credit card company. My attempts to get the matter directed to the appropriate Customer Service or XXXX XXXX Department have been ignored. I have supplied all appropriate documentation showing that XXXX XXXX was a Fraudulent XXXX Marketing Scam. To date the credit card company has not communicated with me other than a canned response letter referring me back to the collection agency. Nor will they send my request to a higher department dealing with Fraudulent Merchant transactions. The information below is a full and complete summary of the entire XXXX XXXX Scam of which the above complaint deals with only one of the six individual transactions which comprise the entire sum of XXXX XXXX purchases. FTC CASE : XXXX I was introduced to XXXX XXXX and their XXXX marketing and coaching program, when I attended a free introductory seminar at the XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. As a result of attending their introductory seminar, the following training courses and lifetime coaching was purchased as detailed below. The XXXX XXXX XXXX charged at the XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. Discover Card on XX/XX/XXXX for {$5500.00}. During the ensuing months of XX/XX/XXXX through XX/XX/XXXX, the training diminished significantly and their business coaching program was non-existent. Rather than a training program on how to establish, operate, or improve my business model commensurate of a business coaching program ; it instead morphed into a sales pitch for purchasing additional XXXX XXXX products, and services. Whenever they were requested to provide a syllabus or an outline of the next lesson plan, they were unable to give me one. This made me question their viability and business ethics. Upon researching my concerns regarding XXXX XXXX, I discovered the credit card companies considered XXXX XXXX, XXXX to be a high-risk merchant and conversely withheld approximately 30 % of my payments in reserve in case of fraud. It was then I discovered the FTC filed legal action against XXXX XXXX, XXXX and communication between XXXX XXXX, XXXX became non-existent. Upon reading FTC legal documents which state that the parties involved were required to turn over the names of all customers so the FTC or its agents could notify them. This included all customers using merchant service accounts. I never received notification of any type. In attempting to recover funds paid to XXXX XXXX, XXXX for lifetime coaching and training, I contacted all the above financial institutions via registered mail and have supplied them with information regarding the fraud, FTC legal actions, and court documents, but to date, there are no reversal or chargebacks of any fraudulent charges. In fact, these financial institutions do not want to communicate with me as a victim of fraud. Some have referred my accounts to collection agencies which can not clear my credit file nor reverse these charges as they claim only the primary financial institutions can reverse charges or correct credit file information detailing fraud.
12/15/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • MO
  • 64133
Web Servicemember
I realized XX/XX/XXXXXXXX that my credit limit went from {$13000.00} to {$1200.00} unilaterally with no disclosure before hand, as per the provisions of the Truth in Lending Act ( TILA ) and to also assert that there has been a Violation of Equal Credit Opportunity Act ( ECOA ) and Consumer Credit Protection Act ( CCPA ), Discover Bank had no lawful right to unilaterally reduced my Extension of credit of {$13000.00} to {$1200.00}, Which is a substantial injury to me by interrupting commerce and causing a harm to my livelihood as I am the original creditor to these agreements as my consumer credit was utilized and extended to open this account. In accordance with the FDIC Laws and Regulations, I assert there has been a Violation of TILA, FCRA, ECOA, CCPA and Rule 10b-5, promulgated under the Securities Exchange Act of 1934. - Violation 15 USC 1637 ( I ) ( 2 ) In the case of any credit card account under an open-end consumer credit plan, a creditor shall provide a written notice of any significant change, as determined by rule of the Bureau, between the creditor and the obligor, not later than 45 days prior to the effective date of the change. - Violation 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA An act or practice is unfair when it causes or likely to cause substantial injury to a consumer which can not be reasonably avoided Violation 16 CFR sec 433.1 -Colorable Contract- a contract that seems to be genuine but is not, due to the accepting of taking XXXX XXXX XXXX XXXX originally utilized my collateral security ( The Application ) to pay for the services. Which was Financed. ( 15 USC 1605 ( A ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. - Violation 15 USC 1681 ( D ) ( 6 ) a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested, shall be disclosed to consumers Within thirty days prior to making changes. Violation 15 USC 1692J ( A ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Violation 15 USC 1691 ( D ) ( 6 ) the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit.
12/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • MS
  • 386XX
Web
In early XX/XX/2022, I accepted an offer from XXXX for a balance transfer from Discover for the amount of {$2100.00}. I noticed a few days later that my debt doubled, Instead of owing just Discover {$2100.00}, I now owed both companies {$2100.00}. Fearing I had made a mistake, I reached out to XXXX 's customers service team to see what went wrong. After reviewing the documentation I submitted from the balance transfer, the agents at XXXX reassured me that no mistake had been made on my part, and advised me to wait a few days to see if my discover balance had been updated. A week later, after noticing my balance did not change, I reached out to discovers " customer service team to see what went wrong. The agent was not able to locate the payment and wanted me to reach out to fidelity to ask them to help them in locating the payment, so I did. XXXX did a full investigation and sent me a letter ( Which I have attached as proof ) that states that Discover did receive the funds, gave the date that Discover received the funds, the last four digits of the account number the funds were posted to, and even gave a reference trace number to help Discover find the payment. ( Said letter is attached ). I quickly reached out to Discovers ' team to get them that information, the agent did not know what to do with the reference trace number and suggested that I filed a missing payment dispute online. I filed the first claim online and uploaded all of the information Discover said that they needed ( I have attached the email from Discover stating what documentation they needed for my case, and also have submitted proof of the documentation I gave them in response, what is exactly what they asked for ). Despite all of this, my claim was still rejected. A month or so later I filed another missing payment claim after XXXX did a more thorough investigation and after uploading the newer documentation, the missing payment dispute was rejected again. You can see in the files I submitted where both of these missing payment disputes were rejected. Once I reached out to Discovers " team once again to see why the missing payment disputes were rejected I was told that the billing department wanted me to send pictures of the front and back of the balance transfer check to them, which is not a reasonable request since the balance transfer was an electronic funds transfer between XXXX and Discover, and I had provided proof that 1. ) the payment left my XXXX account as I now owe fidelity {$2100.00} for " Balance Transfer to Discover '' and 2. ) I provided proof that Discover did receive the payment and provided a trace number to help them find the payment. This has been a months long ordeal and honestly Discovers customer service appears to be very subpar. XXXX 's team has went above and beyond to help the agents at Discover resolve this issue and frankly, XXXX 's team seems much more knowledgeable than those at Discover as Discovers agents do not seem to know what to do with the information provided by XXXX. I do not think there is anything I can do further to assist Discover in resolving this issue.. Any help in resolving this issue would be greatly appreciated.
07/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • CO
  • 809XX
Web
This complaint is about Discover closing my Discover It card with the vague reason of being " unable to verify personal information '' even though I have promptly submitted to them my ID verification signed by a licensed notary in a local bank branch. On XX/XX/2023, I received an identity verification request from Discover asking me to submit an ID Verification form signed by a licensed notary in two weeks to prevent card closure. Only after one day, I visited a local bank branch, get the form notarized, and submit it to Discover 's website. In the email requesting this document, Discover told me that they would give me the result of this verification in two weeks. In the following two weeks, I received absolutely no feedback from Discover. When I called to inquire about the progress of this ID verification, the agent told me that the company did receive the document but, due to the large amount of ID verification going on, has been failing to meet the two-week promise of feedback. " That's not a problem at all '', I said to her because I just wanted my form to be verified so I could continue to use my card. My Discover IT card is my first card and I wanted to use it to help build my credit, so I sincerely wish to continue to use it. I had never heard from Discover about this ID verification until today, XX/XX/2023, when Discover suddenly sent me a letter stating that they had made the decision to close my account due to the inability to verify my personal information. The letter provided no other reason, and neither any detail on why they could not verify my ID. Shocked and confused, I called Discover Customer Service for an inquiry. The person to whom I was transferred, who claims that she was in charge of closing accounts, coldly and impatiently provided me with the exact same information in the letter I received. I asked her which part of my notarized form had a problem, and she replied, refusing to say one more word about it : " That's all the information I get here ''. I told her that they could have told me which part of the document was not meeting their requirement so I could re-submit it, and she told me that that was impossible because their team took more than two weeks to review my document, so the result becomes final when it comes out. By saying so, she affirmed that it was the company 's reviewing team, not me, who deprived me of the opportunity to re-submit the document. Lastly, she yelled at me and ask me to STOP TALKING while refusing to provide any further information about why my card is closed without a clear reason. Hence, Discover closed my card, without providing a single clue why my card was closed. I responded to Discover 's ID verification request the day after they sent me the email. In contrast, Discover provided me the result far past due, while not allowing me to have any other option but to accept their arrangement because of their own failure to review my document on time. Although Discover stated that I can re-apply for their card, it is predictable that I will face the same situation of being requested an identity verification, and have my second card closed due to the same vague reason.
03/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • FL
  • 32256
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XX/XX/XXXXXXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : DISCOVER FIN SVCS LLC XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX EXCEPTIONS TO DISPUTED ARGUMENTS AS STIPULATED : I demand that this account be posted on all three credit bureaus, as currently it is only posted on XXXX XXXX XXXX XXXX XXXX This is causing me difficulty as I can not post the proper credit rating on all bureaus that I deserve. Accordingly, I respectfully request that the above referenced subscriber to the credit bureaus top clear all obstacles that hinder the account information across credit reporting agencies, adding XX/XX/XXXX and XXXX XXXX into its monthly reporting on payments and overall account status. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
05/25/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • XXXXX
Web Servicemember
We wrote to you very recently regarding a defective item charged on our credit card which the merchant has not in good will tried to resolve for us. Discover also failed to resolve this issue for us, but also sadly is failing to HEAR us. We are not disputing the validity of the charge, we are disputing the item or product sold to us as defective. The item is a body kit for a 2008 XXXX XXXX XXXX. The body kit was not immediately installed because it fell to the very bottom of what we were prioritizing at the time : Moving from XXXX XXXX XXXX to XXXX XXXX, my husband 's status as a XXXX Veteran, my ten ( 10 ) month period of XXXX due to a severe injury, the sudden and unexpected death of our beloved dog and faithful protector, XXXX, who supported my husband thru his XXXX for over eleven ( 11 ) years, and many other things that took precedence at the time. In the interim, the merchant issued a credit of {$100.00} because the tail lights were never delivered to us as they had been discontinued. When we finally had the time, the space, the health and the money to have the kit installed by our body shop, ( which may have occurred after a respite of many months ), we were advised by our body shop that the kit sold to us by this merchant did NOT fit. The body shop gave us an estimate for their work and clearly noted that this kit does not fit, and as such, was defective and not usable. It appears Discover 's basis for not mediating on our behalf and simply taking the merchant 's word, or testimony, ( though I would like to point out that no one from Discover has ever spoken to either of us thus far, to take our statement of facts ), Discover used as a basis to side with this merchant, the fact that we waited too long to install the kit and dispute the item. For the many reasons noted above, the installation of a vehicle body kit was not a priority at the time. But regardless, the fact we waited to have the kit installed is irrelevant and should not be a basis to disprove our case and side with the merchant. It also appears that Discover sided with the merchant on the basis that, as they contend, the merchant issued a {$100.00} credit to us in XXXX. The merchant did issue a credit, which we did not remotely remember, hence, no reference was made about it. However, the fact that a credit was issued by the merchant, because they failed to deliver the tail lights which we had paid upfront, does not absolve them, nor does it resolve this issue, nor does it discredit or weaken our position. The reason the merchant issued a credit of {$100.00} in XXXX was because the tail lights were never delivered as they had been discontinued. The crux of our complaint is that the item, in its entirety, was sold to us as a defective item. It does not fit our 2008 XXXX XXXX XXXX. We implore CFPB, Discover and specifically, Senior Associate, XXXX XXXX XXXX, from the Executive Office of Customer Advocacy, to please, as his Office indicates, please advocate on our behalf. This merchant is not acting in goodwill ; the merchant, whom we can only reach by phone, flatly refused to take the item. The item, which is still new and unused, is defective,
03/11/2017 Yes
  • Credit card
  • Billing disputes
  • CA
  • 91604
Web
To Whom It May Concern, On XXXX of last year ( XXXX ), my wife have ordered a XXXX from XXXX using our Discover credit card. When the product was delivered to our home, we found that the merchant has sent us a product that is completely far from the item that we have paid for. We then called the merchant right away to notify them of this discrepancy but no resolution was put into place as the merchant refused to send us the right item or refund us back our money as they claim the circumstances to be impossible. Devastated on the outcomes of our conversations with the merchant, we then contacted our issuing bank, Discover Bank on XX/XX/XXXX to seek for help and initiate a dispute against a charge of {$3800.00} from XXXX. The dispute process took nearly 6 months as Discover bank kept siding with the merchant AFTER my wife and I have provided them with all of the documentations they asked. In that span of time, we had to contact them multiple times to re-open the case and have also provided them with more compelling evidence for them to even re-consider their decision after they would close their investigation in the merchants favor. Our chargeback dispute was denied three times even though the evidence and documentation we have given them are far more substantial than what the merchant, XXXX have provided them. Also, on XX/XX/XXXX, when we provided more evidence to re-open the case for a FINAL dispute, we were told and promised by the MANY discover bank representatives that we will be getting a final decision within 15 days from that day. Now, two months later after not hearing back from them, we received a notification that states that we are liable to pay for the full amount as they ( discover bank ), find the merchant to be correct. This ongoing unfair practice that Discover bank has been doing to us have caused us to close our account with them after being their loyal customer for 6 years. As of now, both my wife and I feel discriminated and violated of our consumer rights and all we want is justice that I believe we are entitled to. Dealing with this corporate greed and new form of " evilness '' I did n't know existed made me do my own research online and I have found many others, just like my wife and I to be a victim of Discover banks unruly practices. Not only are they biased of their decisions ( they ALWAYS side with the merchant ) but they also do not practice their own rules and regulations. As when I researched their chargeback dispute guidelines, it clearly stated that, customers MUST obtain a decision within 15 calendar days during the final review. But clearly, that was not the case for us, as 2 months and 2 billing cycles passed and here we are getting hit by the money we have to pay back for the item we did not even get to see nor enjoy. This is indeed very hard for us as we no longer know any other recourse to fight this chargeback anymore and we wish that no other honest consumers will have to go through this XXXX we are going through. If there is anything consumer advocates out there could do, it is to spend some time to review the unfair practices Discover bank is doing to their customers. Sincerely, XXXX
09/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 44139
Web
On XX/XX/XXXX I received an email alert from XXXX regarding a change to my credit. I think discovered that Discover Bank reported to the credit bureau that my account was 30 days past due. I have been enrolled in a payment plan with Discover on XX/XX/XXXX since being laid off from my job in XX/XX/XXXX and depleting my savings. I scheduled out payments to catch up my balance while hoping that I would eventually gain employment and be able to make said payments. While enrolling in said payment plan, I was not informed that payment must be made regardless of being in a payment plan, by XX/XX/XXXX or it would be reported to the credit bureaus as 30 days past due. Mind you, I have had two payments scheduled one for XX/XX/XXXX and another for XX/XX/XXXX. I called Discover the same day, explained the situation and the woman on the phone 's name was XXXX, she mentioned that I should have been disclosed this information and that it is an error, from here she worked with me to submit a complaint within their company. This alert on my credit report has caused my credit score to drop XXXX XXXX and has caused severe stress to me. I took the necessary steps to file a dispute with XXXX, called today XX/XX/XXXX after receiving an alert that the dispute was closed and that the " 30 days Past Due '' was not removed from my report. I spoke with someone named XXXX at XXXX around XXXX this afternoon, gave my personal information and was told that XXXX has in their system that it would be removed from my credit report by XX/XX/XXXX. After work this afternoon, I then called XXXX again and asked the same question to the person on the phone this time ( XXXX ) from there he told me that information was incorrect and that the dispute was marked as complete and it would not be removed from my credit report. He told me the individual I spoke with, possibly did not work at XXXX. He then told me to call Discover and try to receive written documentation of their error and the communication they mentioned to me over the phone. Shortly after that conversation, I called Discover and was on the phone for nearly 2 hours with at least 4 different people. I spoke to someone named XXXX, XXXX, XXXX and XXXX ( XXXX was the XXXX department ). On the phone Ally mentioned that the " 30 days Pas Due '' would not be removed until the balance was paid in full, she mentioned Discover can not correct or remove the " 30 Days Past Due '' from my report. I asked if she could provide me written documentation of this statement and situation, she then backtracked and changed her response, also mentioned that she couldn't provide written documentation, that she " didn't have letters ''. I then worked with XXXX to file another complaint within Discover. I have been treated poorly throughout this entire experience. Information has not been disclosed to me at all, mistakes have been made on Discover 's part and no one is taking blame nor working to fix the situation. I have never had a late payment with Discover and I've had this account since XXXX. Moving forward, I no longer want to work with Discover and will never work with them again after paying off my credit card balance.
05/28/2022 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • NV
  • 89012
Web
Please be advised that after making an initial complaint Student Loan response is not true to the actual events that were already determent and confirmed by the Discover collecting payment department. As of today, my daughters and my livelihoods are harmed by the careless actions of the lender. Today, my daughter can not move to a different state for a job opportunity. Her application was denied because her credit score fell to lower than XXXX because of the Discover loan reporting, and so is mine, co-signer, XXXX points overnight. My lease ends next month, and I can not get another car which is the source of me producing income. At this moment, Discover student loan lender refuses to repair a harm created by them and my daughter and I both will lose our income and opportunity to live and to work. My daughter will not have a roof soon and I won't have a car. We have 30 days to fixed credit score. When we started working with the Discover collection department, they established that what my daughter ws promised was not done, and she was rightly qualified for the deferment. However, her supportive documents were never requested, and therefore, the loan let run into bad standing without our knowledge. Since we started working with the Discover bank on this issue, our online accounts vanished with all internal communication and supportive documents provided when we realized the problem. The issue of not being able to log in to both our accounts start happening at the time during the initial phone call from XXXX to collect payment. During this call, XXXX requested to upload my daughter 's NY state document, which is proof that she is eligible for the promised deferment that never took place. Supervisor XXXX promised to submit the dispute to all three credits and sad my daughter has to call him back and he will do it for her. When we did call back, we got on the line with XXXX. We requested to have XXXX on the line to continue fixing the problem. XXXX never stressed about getting XXXX and he continued with interrogation over the phone for 2 hours and then switched to the higher level supervisor XXXX who continued for another house. She is now working on this case too. We have requested the bank numerous times to pull all the calls that will prove our case and the harm that was done to us. Documents attached. However, there is no communication notation or accountability for promises from any parties that we spend hours over the phone with. I called Discover Student loan today to unlock my account. They are saying I do not have an account with them and must register as a new signer to get access to my loan. So it's my daughter. I explained that since XXXX, we both have active accounts and we must have access because all the communication with their bank that has happened over the private online messages needs to be recorded as a supporting document to our case. At this time, I request Consumer Financial Protection Bureau to protect my daughters and my opportunity to live and work and stop Discover student loan bank from damaging our lives unfairly and unlawfully and open an investigation and Enforcement actions to stop the harm.
06/15/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • CA
  • 91101
Web
I 'm filing a complaint against Discover Personal Loans for possibly predatory, deceptive and/or fraudulent lending practices. On XXXX XXXX, 2016, I applied for a personal ( debt consolidation ) loan through their website. After I had shopped around a few other online lenders, I found that Discover was the only one that offered the amount and terms I was looking for. I used the loan calculator on their website to get a rough idea of what my interest rate and monthly payments might be, based on my credit score. Though the calculator includes disclaimer language that it is for " educational purposes '' only, the inclusion of the prospective applicant 's credit score gives it the appearance of relative accuracy. A prospective applicant may reasonably assume that her final interest rate may vary by only 1 or 2 percentage points. Given my credit score of over XXXX, the calculator determined a 12.99 percent interest rate and a $ XXXX monthly payment. I applied and received a confirmation that my application had been received and approved. The confirmation email did not include any loan details. This was the only online/written communication I would receive until after the loan had been disbursed. The email instructed me to call their service center to complete a short phone interview. I did. A representative confirmed the basic information in my application and then offered me the loan amount and terms I had applied for, but at a much higher interest rate than I had expected : 18.99 percent. When I balked, she transferred me to a supervisor by the name of XXXX, who offered me a two-point reduction - 16.99 percent -- if I agreed to ACH payments. It was still more than I had hoped for but I agreed. I was borrowing {$30000.00}. My interest rate would be 16.99 percent, resulting in a monthly payment of {$610.00}. I verified this calculation with a separate loan calculator at XXXX. At no time during this process was I asked to provide documentation to verify my income or expenses. This struck me as odd. After the loan had been funded and I was able to log in to my account online, I noticed my monthly payment had jumped to XXXX, with no explanation. The TILA disclosure I received a few days later states that ALL figures - interest rate, terms, payment amount - are " estimates '' based on the first payment date of the loan. This makes no sense to me. I was under the impression this was a fixed-rate, not variable rate, loan. And never have I seen personal loan figures based on the first payment date. I work with accountants and financial aid professionals ; as far as I know, loan figures are always based on the date of disbursement. As the TILA is written now, it would seem that Discover has carte blanche to increase the interest rate and monthly payment amount at their sole discretion. All this taken together - not verifying the borrower 's income and expenses, the lack of written communications prior to asking for the borrower 's consent to the terms, and the inexplicable increase in payment amount - would seem to suggest lending practices that are, at best, just this side of legal, and predatory and deceptive at worst.
09/06/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MI
  • 48390
Web
On XX/XX/XXXX, I, XXXX XXXX entered XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, MI after speaking with XXXX XXXX. ( Exhibit B- Text Messages ). That same day, XXXX XXXX took my measurements and I paid {$2500.00} towards the purchase of a wedding dress. ( See- Proof of Purchase ) On XX/XX/XXXX, XXXX XXXX reached out to me for additional funds towards the purchase of the wedding dress. ( See- Text Messages ). I complied with the request and on XX/XX/XXXX paid an additional {$500.00} for the wedding dress. ( See- Text Messages ) ( See- Proof of Purchase ). On XX/XX/XXXX XXXX XXXX reached out to me once again for additional funds towards the dress. ( See- Text Messages ). That same day, I complied and sent Owner XXXX XXXX another {$500.00} via XXXX for the purchase of the wedding dress. ( See- Text Messages ) ( See- Proof of Purchase ). On XX/XX/XXXX XXXX reached out to me once again for additional funds towards the dress. ( See- Text Messages ). On XX/XX/XXXX, I complied and sent XXXX XXXX an additional {$1500.00} towards the purchase of the wedding dress. ( See- Text Messages ) ( See- Proof of Purchase ). On Saturday XX/XX/XXXX, I reached out to XXXX XXXX to follow up on the wedding dress that was paid in full, but received no response from XXXX XXXX. XXXX XXXX has since shut down her bridal shop ( XXXX XXXX ) which was located at XXXX XXXX XXXX XXXX XXXX, XXXX, MI and ceased all communication. I never received the wedding dress that was fully paid for and has since been forced to obtain a replacement dress. On XX/XX/XXXX, I received a message from XXXX XXXX in which she says shes insolvent due to unforeseen circumstances and she is unable to deliver the dress ( merchandise ) within the needed timeframe. ( See Text Messages ) I along with several other brides filed police reports in the XXXXXXXX XXXX XXXX. The detective has now conducted a criminal investigation and informed myself and the other victims that the prosecutors office is pressing charges and they have an arrest warrant to arrest her. An officer had actually met with XXXX XXXX and she told him she can not get the dresses nor does the have the money to give refunds. The officer had his body camera recording and I did a Freedom of Information Act request asking for the footage. I filed a dispute with my credit card company ( Discover ). They denied my dispute before I was even able to get a copy of the police report. The report just became available and I uploaded it. I was unable to upload the bodycam footage through the dispute portal. Discover is refusing to issue a refund despite all of the evidence provided including the new evidence. I have now been forced to purchase a second wedding dress and I can not afford two wedding dresses. Despite uploading the police report, discover is alleging that the period for disputes had passed. I explained to discover and it is evident by the information I uploaded that I was not aware I was being defrauded until XXXX of XXXX. I had no reason to know I was being defrauded. I just want my money back. I'm already in the process of buying another wedding dress and I'm being forced to pay for two dresses.
06/01/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NY
  • 11729
Web
I acquired a new 0 % int on purchases and 3 % balance transfer with Discover card an on Thu XX/XX/XXXX, I iniciated a transfer to higher int XXXX XXXX XXXX XXXX XXXX XXXX XXXX APR 0.00 % EXPIRES XX/XX/XXXX Merchant category is Balance Transfers for the amount of {$7000.00} This transfer didn't go through because I incorrectly missed one number on my XXXX digit XXXX card. I called Discover ( XXXX ) and spoke with XXXX, and I asked for the payment to be cancelled and reissued but was told the payment was in process and can not be cancelled, to wait a few days and call back again to have the payment cancelled. I told XXXX I needed pay the other card in time and I wanted to avoid a late payment if the transfer to the other account was not made on time. XXXX ( or XXXX XXXX said what you could do is use the {$5500.00} you have left and issue another transfer. I said yes that sounds like a good idea, but I don't want to pay another 3 % for another transfer fee. And she said that would not be an issue you can go ahead and issue the second transfer and when the first transfer issue is resolved and the money goes back to your account, we waive the transfer fee. I accepted and she did the second transfer for me in the amount of {$5500.00}. Wed XX/XX/XXXX Merchant name XXXX XXXX XXXX XXXX XXXX APR 0.00 % EXPIRES XX/XX/XXXX {$5500.00}. The transfer wad done and I filed a dispute with Discover to get the first transfer cancelled. XXXX asked me to call XXXX and explained what happened which I did immediately. I waited a few days and I saw that the first transfer was posted to my XXXX account. I spoke with XXXX again and asked for the funds to be returned to Discover but was told that their system would not allow it and the only thing they could do was to credit the checking account I have on file with them and to issue the amount payment back to Discover. As the only option given I accepted and called Discover back and explained that I would be returning the payment amount. They said that would be ok but they could not return the transfer fee amount. I explained the conversation I had with their representative days back about the transfer fee which I was assured that it would be refunded but they are now refusing to credit the transfer fee back in spite of the fact that they were the ones who advised me on what to do which I did exactly as the told me and now is falling in deft ears. I asked to speak with a superior which I did yesterday XX/XX/XXXX And after having a long conversation with XXXX XXXX Discover still refused to issue refund weather I return the full amount back or not which I intend to do. They plainly lied to me for not living up to their verbal agreement we had which they have documented and reordered and admit to the conversation we had but are using lame excuses to justify to what I perceive to be predatory lending practices. First their systems should recognized the XXXX cards are XXXX digits and reject the XXXX digit entry and secondly and more important they should have not lie to me saying that my transfer fee would be fully refunded and now look the other way ignoring the fact. So much for trustworthiness.
12/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 75087
Web
On XX/XX/XXXX I submitted a dispute for fraudulent transactions on a stolen card. This merchant did not have authorization and still doesnt have authorization. XXXX XXXX whoever that is. Discover already charged my money market account {$1700.00} for past disputes stating merchant documentation supports authorized charges. I asked for documentation and again never received any. The fact that Discover charges the victim of theft but not the thief is beyond redicules. I never texted authorizing these charges and in fact I have picture proof of texting back N which means NO. I then received a call from Discover and when I went to call back I pressed 2 which means do not authorize or did not authorize. Discover denied these disputes on XX/XX/XXXX with the following reasons, inconsistent information provided by account holder through investigation - this reason is false again because I only contacted Discover once to dispute the charges. Second reason provided by Discover - account holders contact with financial institution supports authorized transactions- again false because Ive never had contact with this merchant. This merchant is in a different state, when I called in I told them I do not do business with this merchant. I texted the text message back N FOR NO. Again Discover blames the consumer instead of actually researching the fraud. Last one says valid transactions authorized with chip after card was claimed lost stolen. Again this is false the only transaction after was a transaction that had card information already saved using XXXX XXXX for a bill payment. This actually posted after the transaction actually occurred and chip and pin was not used. So again this reason is FALSE. No transactions were authorized. XXXX XXXX transaction, XXXX and XXXX XXXX on XX/XX/XXXX are also fraud. Which Discover missed. Lastly Discover stated they will withdrawal these funds from my checking account on XX/XX/XXXX again without proof of authorization as I never texted back validating the transaction. In fact I texted NO. Additionally Discover also authorized transactions on XX/XX/XXXX for a XXXX these also are fraud and Discover says again they texted me and I verified the charges the card was stolen at the time and I did not verify these charges. I have proof of texting back no to the response and yet Discover says I texted yes. Again Discover is falsely accusing the consumer without actually seeing from my end what I responded. Discover owes me refunds for charges not authorized. I do not know either of these merchants and I did not sign any receipts. I have not conducted business with either of these merchants. Discover did not properly investigate my dispute and instead originally sent a letter telling me the credits were permanent and later sent a letter advising they were charging me for the charges again. This is not proper conduct, and Discover charges me for charges I never authorized this merchant is on another state no where near me. I do not have contact with these merchants and never have. I have not signed any receipts nor have I advised Discover of contact with these merchants. Discovers reasons arent valid.
10/06/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 75090
Web
Since 2014 I had been a member of XXXX XXXX an overseas bride service. Although there had been suspect acclivities I had mentioned again and again to their customer service these concerns were explained away as technical problems with the XXXX operating system. the slowness of the XXXX internet, women misunderstanding the translations, or complete denial all together. Whatever it was that I brought up there was always deflection and lame excuses involved. Only after several attempts at trying to meet one of the women members in person failing for stupid reasons like not showing up at the airport saying their father had a heart attack then why would this same person be online within the next day making auto replies to other men like, " if I was in the shower would you get me a towel? '' This a day after her father supposedly had a heart attack and when she was supposedly so anxious to meet me, make love to me, and make a life with me, while I waited at the airport and she did not appear? After several incidents like this with these women saying things to me like they were in a sweat at night unable to sleep just thinking of our fist night together then contacting that same woman on the phone who tells me she has been talking to another man? Oh and the frequent comments such as " I have XXXX XXXX to come to America with. Will you marry me? '' I knew something was awry and that the money I'd been spending was not for a legitimate dating service at all. Then I got on the internet and began reading the complaints of hundreds of other men who had the same experience and I knew I had been had! Callas to their representatives had yielded nothing but hollow promises and either no call at all at the promised future time or promises to resolve the dispute never met! I then went to another legitimate service that makes social events and actual meet ups and talked to a partner of that company who knows one of the XXXX XXXX owners who stated that his perfect business model was that neither the man or women would never meet while they drained the member 's credit card account as long as possible! I even received an e-mail from a male member of XXXX XXXX warning me of one of the women that was sending me e-mails telling me she wanted to marry me. He warned that she was a liar and if I went to XXXX I would be left waiting at the airport meeting no one! And yes this was consistent with so many of the complaints lodged by angry members of XXXX XXXX such as sites like XXXX XXXX or XXXX XXXX. I even sent these copied and pasted comments to Discover along with page after page of e-mails, letters written to me by women supposedly madly in love with me whom I had never even spoken with. Why? Because the system is designed to seduce a man into spending money but with no intention of allowing him to ever have direct contact with a real woman who actually intends to meet him, date him, or marry him, if anything they are staff writers, chat responders working for XXXX XXXX, or phone voices hired to for the bogus overseas phone calls! Discover has absolutely no concern about resolving my dilemma even with heavily submitted evidence!
12/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • IA
  • 52404
Web
XXXX, I sent a certified letter to Discover Bank requesting validation of the account they alleged I owe on, in the form of competent evidence, bearing my signature, showing I have a contractual agreement. XXXX at XXXX certified mail was signed for. XXXX Discover responded in writing they have investigated and findings to be accurate. They did not provide the contractual agreement bearing my signature as requested. XXXX Discover sent another letter providing me statement reprints from XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. No validation provided that I requested. XXXX I sent another letter asking again for verification of a contractual agreement bearing my signature, stating printouts of a bill or itemized document do not constitute verification. XXXX at XXXX, Discover signed for certified mail. XXXX Discover responded they already provided me with their documentation ( which did not include what I asked for ). XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX law about my request for verification of debt. Again, only receiving statements from XX/XX/XXXX, XX/XX/XXXX, and all of XXXX along with a card member agreement ( that can be pulled offline ) and did not bear my signature. I then proceeded to contact the credit bureaus ( XXXX, XXXX, and XXXX ) on XXXX by certified mail challenging the accuracy, compliance, and reportability of this listing and stating I do not consent to XXXX or any means of automated verification. I requested copies of documentation bearing my signature to confirm this is my debt under my social security number. XXXX XXXX responded that the information was verified by creditor. XXXX I attempted a phone call and could not get past automated system. XXXX I called XXXX and spoke with " XXXX '' who stated Discover Bank verified account, but stated I was not entitled to the information used to do that and that I would need to contact Discover. I explained I had, and they have not provided the information I requested. XXXX also stated dispute was resolved by Discover, but no information as to how that has come about has been provided by any of the entities. On XXXX Discover Bank filed a lawsuit against me. I responded to that lawsuit. Discover did not respond again, and the case was dismissed on XXXX. Through all this process I have learned that someone else was using my name and information based on addresses listed in California for me on my credit reports. I have also learned that my social security number has been disseminated by my local police department and that this could have been occurring over the duration of my XXXX ( plus ) career. My account number has not been listed on the credit bureaus to show that debt being asked for is mine and not some random person 's debt. I have stated I do not agree with the debt and have requested verification from Discover Bank and all three major credit bureaus without success. I have been tracking and documenting my efforts and have plenty to show for it. I want this resolved so that Discover will stop harassing me and stop sending creepy servers to my home that question my underage child without my consent.
10/06/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • CA
  • 90015
Web
I was the victim of fraud on XX/XX/XXXX. An individual stole my mail and intercepted my new, unactivated Discover card, and then called on the XXXX around XXXX XXXX PST to Discover trying to activate it. The individual eventually succeeded and spent about {$1300.00} on the card. I discovered this fraud when a representative called me a couple days later asking about the charges. I went through each charge with the representative and verified or denied the charges. The representative then informed me this fraud was resolved and that I would not be responsible for the charges. However, I received a call from the Discover Fraud department last Friday asking for additional documentation to assist the investigation - specifically, records from XXXX. I attempted to procure the documents but was told repeatedly from XXXX that for legal reasons the documents could not be provided. On Tuesday, XX/XX/XXXX, I spoke with an individual named XXXX from the Discover Fraud unit around XXXX XXXX. I believe he said his supervisor was named XXXX or XXXX. When I informed him that I was unable to get the documents from XXXX, he informed me that my inability to do so might result in the " investigation not being found in my favor '' and that I might be " rebilled '' for the charges. He said those exact words repeatedly, multiple times. Discover has a written policy called " {$0.00} Fraud Liability Guarantee, '' stating that a customer will never be responsible for " unauthorized charges, '' which is defined as transactions not completed or authorized by customer. I clearly went over the charges with a Discover representative and verified every charge. I do not believe I am in the wrong here, and in fact believe Discover should be held liable, as they authorized this individual to use my card without my consent. They still have not been able to tell me how exactly this individual was able to activate my card. The policy clearly states that I will not be held liable for unauthorized charges, and yet the Fraud department, specifically XXXX, stated that I might be responsible if I could not provide additional documentation. I was extremely upset from this interaction and called Discover back, wishing to file an official complaint and close my account. I spoke with someone named XXXX from Fraud, who apologized and stated that the policy was indeed accurate and that XXXX had spoken incorrectly. I was quite shaken from this incident, as I had already had my phone and credit card compromised, and Discover was not only making me feel as if the burden of proof was on me, but was also telling me information directly contradicting their written policies and marketing. When a company advertises a policy on their website with big letters and explains it in detail in the FAQ, one should expect the policy to be upheld and even promoted. And yet the interaction with XXXX from Fraud left me feeling lied to, disrespected, and embarrassed. I was made to feel like a criminal, when in fact I believe Discover committed the error by somehow allowing this individual to bypass their " security '' and activate this card without my consent.
08/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 90042
Web
I received a notification from XXXX XXXX via email on XX/XX/2022 that my account was delinquent and credit score has dropped nearly XXXX points. I checked my XXXX XXXX app and saw there was a delinquent payment from Discover. I then checked the payment history section on XXXX XXXX and the Discover Bank Online Account and it showed no late payments. I called Discover Bank immediately and was informed that I was 60 days late for a payment due on XX/XX/XXXX as of XXXX of XXXX. My account is set to automatic payments and has posted every month without issue. The account representative me that the payment posted on XX/XX/XXXX was rejected by the bank. This is the first time I'm hearing about this, it was not reflected in my statements, online banking app, or connected credit monitoring app. I received no notification from Discover that there was a pending payment on my account or that they were going to escalate it further. Had I been aware I would have rectified this situation immediately. The representative stated that the credit card cycled into the next billing cycle justifying them reporting to the bureau that the payment is 30-60 days late and that is why my credit had been affected. The first Account Representative I spoke with informed me that she had no one she could set us up to speak with. I explained to her that this situation is urgent and it has severely impacted my credit score and to see if there is a supervisor we can speak to. After much deliberation, she finally connected us to a supervisor, XXXX XXXX XXXX, XXXX, Ohio Dept., who claimed that there is " nothing she can do '' and that there is no one above her I can speak with. When I informed her that I was aware that there was an Executive Office for Customer Advocacy she promptly shifted her answer and said she'd connect us with someone. After a 10 minute wait, she transferred us a woman named XXXX XXXX, when I asked her title she told me she was an Account Representative and was not in any supervisory role. She could not inform us of the name of the previous supervisor which we had to find via another representative. She said that there was no available supervisors for me to speak with and asked if she could take a payment. After an additional 15 minutes, we were connected to a supervisor, XXXX XXXX. XXXX was able to file a dispute despite the fact that previous representatives and supervisors told us that it wasn't possible. The XXXX app didn't reflect any sort of missed payment or return payment. I wasn't prompted to fix anything or that my payment had been returned. I haven't missed a payment to Discover in my 5 years with the company, so I assumed things were going smoothly as per usual. I am set to move from my home in XXXX XXXX to XXXX, NY in just 2 months time to attend XXXX XXXX. Having my credit drop this significantly is of major concern and has a detrimental affect on my ability to secure housing and therefore my ability to attend school and my future. This underlines the importance to me of having it removed and my credit restored as quickly as possible. Discover Bank opened a dispute for this case with Case # : XXXX
03/12/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Privacy issues
  • CA
  • 91605
Web
I have been a Discover Card holder since XXXX. I have never had ANY problems with my account. I was never delinquent, never late, never had big spending, not a single red flag. Three days ago, as usual, I tried to log into my Discover Card online account in order to make a payment ( to avoid being late on my payment, I mailed out a check by snail mail ). Suddenly, a window popped up saying that due to some concerns with my account, my access was blocked and I needed to call the toll free number on the screen. I called that number, and I was told that Discover allegedly sent out a letter in the mail requesting that I verify my address. I assured them that I never received anything like that in the mail. Then another representative got on the phone and corrected that I should have received an email. At that time I checked my emails again and didn't find anything. So I requested that they re-send me that. When I received the 2nd email, I realized that Discover is asking me to sign the IRS Tax for 4506T to obtain my tax return transcripts for the years XXXX and XXXX. and if I did not comply, they would close my account on XX/XX/XXXX. This came as a shock to me. I called Discover again and demanded an explanation as to the fact that there are many other ways to verify a person 's address, why do it via taxes. I asked the rep. if this very clause is found in my card terms and conditions, to which he responded, that he wasn't sure about that, just that they are allowed to verify person 's information by whichever means they deem necessary. I requested that Discover sent me my Card Agreement Terms and Conditions again since I did not keep the one from XXXX. I wondered why they needed my XXXX and XXXX returns? This is an odd request, unrelated to anything, and a breach of a person 's privacy. The representative tried to explain that IRS keeps the most up to date address. I told the rep. what more proof of address would there be if I receive my paper billing statements in my address and I never missed a payment, and I never did anything to trigger such inquiry into my private tax returns, I did not apply for new account, I didn't request to increase my credit limit, I didn't have large purchases, I didn't have anything but to pay my remaining balance, and always more than the minimum payment. I told the rep. that I did not feel comfortable sharing my private tax information with Discover or any other credit card, and I was not willing to authorize Discover to request my private tax returns for XXXX just to verify my address. To make matters worse, Discover uses XXXX to run that inquiry ( after all what we went through with XXXX data breach ). Taxes happen to be a very confidential information to share with a any credit card company for a good credit standing that I maintained with Discover since XXXX. And it is my right to refuse it. However, they threaten to close my account, which will impact my credit rating. I called an attorney to discuss this matter, and the attorney was equally surprised by this unusual request. I intend to hire an attorney for this illegal and unfair business practices by Discover.
12/15/2016 Yes
  • Credit card
  • Customer service / Customer relations
  • CA
  • 94555
Web
I have a Credit Card Account with Discover, ending in XXXX. I have been with Discover for over half a decade, without any issue, until XX/XX/2016. My Discover Credit Card ending in XXXX was compromised and some unauthorized charges occurred, which I reported promptly. The Card was closed, and an investigation was initiated. After the completion of the Fraud Investigation, a new Account was set up, transferring my credit and balances ; and I was contacted by the Customer Protection Team. I was prompted to set up a verbal password for my account, which I did. Since then, everything seems normal, as I never attempted to use the card. On XX/XX/XXXX, I requested a replacement card, and activated it on XX/XX/XXXX. I made some online purchases which went through, but then later cancelled by the Merchants ( i.e. XXXX and Kendras ). When I called the Merchants, I was told that the payments were not verified by my Financial Institution. Everyday since I had started using my Card, I have had to call Discover Customer Service everytime, because there is always a hold or a security flag on my Card, whenever I try to use it. My card never worked at the ATM for Cash Advance, I was told to go into the Bank and process a Cash Advance over the Counter, it still declined ; even when inputted manually. My card got declined from virtually everywhere ; gas stations, XXXX, XXXX, restaurants, etc. It never worked. I was told not to use my card for 24-48 hours, so as to let the system cool off/get used to my account, because the transacions were fresh. I stopped using my card, and after few days, on Monday, I attempted to use my card, it worked. I tried ATM access, it declined. I called customer service, I was told that my last transaction of {$61.00} at XXXX flagged the card. I was asked to try it again at the ATM, it declined. And I was advised again, to let it cool off and not use it for cash access, only purchases. Irrespective of the fact that I have gone through a lot with Discover, I explained I was doing XXXX shopping for my family and I was assured that everything should be fine with purchases. For some weird reason, whenever I call Discover and give them my verbal password, I was told it was incorrect. Mind you, this is the same verbal password I have had, never changed it. My card is blocked at the moment, and I was told to send in some documents. I have sent my Driver 's License, SSN Card, Rent Lease and copy of my Discover card to the fax number provided to me, XXXX twice and I am yet to hear back from Discover. It just saddens me that when someone else fraudulently used my card, Discover did n't play any of these games, to protect me ; but when I, the actual Cardholder wants to use my Card, its either a hold or a flag or something. Which makes me ask the question : should the Government and Regulators of Financial Institutions allow customers to suffer in the hands of Banks and other financial Institutions? Discover has records and notes of every call a Customer makes. Someone should go through my account notes and they will understand my frustration ; as this could have effect on my Cedit Reporting!
03/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • 23321
Web Servicemember
On XX/XX/XXXX, my wife received a phone call from a Discover Card representative who called from the collections department regarding a past due balance. During that conversation, the agent and I discussed the amount due, when the payment needed to be paid, and options for payment. The representative advised that she could set up installment payments because the amount due was larger than our normal payment and she told her that she was reluctant to go with an installment payment plan because she was worried that doing so would not keep the account in good status and that she was concerned that it would report late to the Credit Bureaus. She advised that because the installment payments would be set up to cover the full amount due, it would not report to the Credit Bureaus. That is the only reason she agreed to the installment plan. Sometime after the installment plan was set up and payments had already started drafting my bank 2 cover the installments that were being withdrawn, I received an alert in my email from one of the credit bureaus and it turned out to be an alert showing that Discover had reported the account being reported 30 days late. That is when we knew we were given the wrong information by the representative the day she called to set up a payment. We knew that all calls were recorded so we did not think that we would still be dealing with this situation and trying to resolve a problem that could easily be resolved if discover would just listen to the recorded call. I previously reported this issue to the CFPB, reference case number XXXX XXXX as a complaint regarding incorrect information being reported to the Credit Bureaus XXXX I am now reporting this as the complaint not being properly investigated. In all of my contacts including my initial contact with Discover I requested to have the phone call that was recorded reviewed and each time I was told that it would but in a letter dated XX/XX/XXXX from XXXX XXXX, The Executive Office of Consumer Advocacy XXXX advises In reviewing this matter we were unable to retrieve the call information to confirm what information was provided by our agent in the XX/XX/XXXX telephone call. I have no control over Discover 's inability to maintain recorded phone calls therefore not being able to retrieve the recorded call is not an adequate excuse to validate the reporting of the account as late to the credit bureaus. We have made numerous phone calls, we have reported my dispute to the credit bureaus directly, we have emailed the executive offices and we have emailed executives directly ( although the direct emails to executives were intercepted by XXXX XXXX and never reviewed by the actual executives the emails were addressed to ) and to no avail, the situation continues to be discarded as if payment was intentionally made late by accepting the offer to set up installment payments when that is not the case at all. We would not have agreed to installment payments if we had known we could not trust the information we wer given. We paid the full amount due that same day. I followed through with paying all of the installment payments with no issues.
08/30/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MA
  • 02136
Web
On XX/XX/2017 I made a large purchase for 3 XXXX gift cards at XXXX # XXXX. After running my Discover card a computer error occurred and a manager was called to assist ( Transaction # XXXX ). The manager informed me that store policy states a customer can not purchase 3 of the same brand gift cards in one transaction. Due to the computer error no cancellation receipt was printed. I then inquired if I could purchase 3 different brand gift cards in the same transaction and the manager confirmed I could. I then purchased the 3 different cards ( Transaction # XXXX ). I than left the store and called Discover to inform them of the indecent. Discover informed me that I would need to wait a few day for the transactions to process and the cancelled transaction would be credited back to my account. Without digging into to my phone records I do not have dates or the exact amount of calls placed to Discover. Transaction XXXX was in the amount of {$1500.00} and transaction XXXX was in the amount of {$1500.00}. After investigations by Discover I was told XXXX validate both transactions so I requested they open the disputes again. Discover reopened the disputes. The next time I called I was told that the disputes where settled so I requested info on the validation and discovered both transaction where validated using the receipt for transaction XXXX. I informed Discover of this error and reopened the disputes again. lack of communication from Discover caused me to call them to check the status again. I was informed that the disputes where closed and validated. I again requested that the disputes be reopened due to the inability of Discover to properly validate both transaction again informing them that they validated two different transaction with the same receipt. They informed me that the time frame to dispute one of the claims had passed and they can only open one. This turned into a supervisor review of the dispute and more time wasted. The next call lead to Discover informing me that there is nothing they can do and should take my depute to XXXX. I contacted XXXX and they sent me to the store manager at the store the transactions where made. The XXXX manager informed me that they have very little information on transaction as old as this ( Past 6 months ). However the store manager allowed me to photograph a department sales report and void receipt. This was all they had left of the on file. This information showed transaction XXXX voided. I called Discover and gave them this scanned photo. Discover sent it for a second supervisor review. Shortly after I received an email stating " After reviewing the information you provided, we determined that we've already considered this information or it was insufficient and we could not continue the dispute. '' I put my faith in Discover to properly validate these charges. I informed them multiple time of the error in there validation of two different charges with the same receipt. Discover left me n a situation where I have to pay them for a {$1500.00} transaction that was not validated, interest on the amount and drop in my credit score due to the added balance.
03/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10009
Web
My husband passed away in XXXX of XXXX. He was the sole card owner of a Discover Credit Card account on which he owed {$14.00}, XXXX. I was an authorized user of the card. It was NOT a joint account. Upon his passing, I notified Discover, so that they could close his account. It was then that they claimed I was a joint account holder and that I was responsible for paying off his debt. I spoke with Discover on the phone a number of times in XXXX, informing them that I was only an authorized user of this card, and had never been a cardholder. Discover claimed that I had been added as a joint cardholder to my husbands credit card back in XXXX. Knowing that this was incorrect, I asked them to produce any proof or signed contract to substantiate their claim. To this request they replied that I had given verbal permission to be added as an account holder via a phone conversation back in XXXX. This is completely false. They said they could provide no physical proof of this event. To this day, they have never supplied any evidence to substantiate their false claim. I was only an authorized user of the card. It was NEVER a joint account, and I never took any actions to be added to this account as a card owner. Therefore I am not responsible for payment of this account. However, my credit has been decimated by years of my husbands Discover debt being falsely attributed to me as a Charge Off after his passing. Discover harassed me by phone and mail for months, threatening that I was responsible for this debt, and that if it was not paid it would be sent to collections. I refused. The account has never been sent to collections. As this was never my account, and they have NO signed contract to support their false claims, they are likely unable to sell this debt to a collections agency. After our request to see evidence of a signed contract, Discovers constant harassment came to an abrupt end. Unfortunately, this debt continues to reflect negatively on my credit report. My family and I have reached out to Discover representatives multiple times, by phone and mail, requesting that they absolve me of the wrongful debt attributed to me. In XXXX of XXXX, I submitted credit disputes with all three major credit bureaus in an attempt to correct years of false late-payment and charge-off claims associated with this account. These credit disputes yielded no results. Immediately after the resolution of these disputes, I received a 1099-C form from Discover ( dated XX/XX/XXXX ), effectively discharging the debt of {$14000.00}. However, my credit score has been completely and unjustly decimated by this debt. Additionally, the IRS is now charging me a tax of {$3000.00} for the cancellation of a debt that was never mine to begin with. This situation has resulted in a debilitating financial burden and has taken a tremendous emotional toll on my family and me. I have always paid my bills promptly and have no other outstanding debts. Discovers false claim has unjustly tarnished my reputation, questioned my integrity, and hindered my ability to utilize a credit score that accurately reflects my payment history.
11/03/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • 33032
Web
I realized my discover credit card was being used by someone else after receiving a XXXX XXXX alert of a high balance in my account. I was surprised as I had logged into my account several times and nothing showed, my balance was {$0.00}. Never did I receive an alert from the bank about the constant used or used outside of my location. I contacted the bank to my surprise there were over XXXX in charges of most were not done by me. I explained to them that I had also checked my other banks and another credit card and debit card were used so I was dealing with multiple banks. There were tons of charges to which the discover representative disputes for me. This was back in XXXX. I started to receive letters from discover credit card requesting information to which I responded and sent police report. About a month or more into the investigation I received multiple letters stating my claims were approved to my favor and that a credit placed in my account would be permanent. My credit balance would constantly be changing, this was affecting my credit score a lot. I never have accurate information on my balance or transactions. Which made the entire process very confusing and I had to constantly check my account. I tried not using the card much because of this, because of the lack of accuracy on their part with the statement information. Last week I log in to check my balance and I see it went up to over {$4000.00} and I see all of the charges that I was told via letters from them were approved being put back into my account. So I called right away and they tell me that they were denied. I hadnt received any letters or them being denied, of the reason for the denial so after being transferred 6 times I speak to a rep who explains to me that because of 4 reason,4 transactions ALL of my claims were denied. She explained 4 of the many transactions the merchant replied so because of those 4 reasons ALL of my claims were denied.one of the reasons was that I logged in to my account the same day one of the transactions were done, I told her thats exactly the issue!! No transactions were reflecting on my account and I have proof because I took a screenshot showing my account at XXXX XXXX day I received the alert. I explained to her that when I called the representative submitted the claims I barely spoke and if there were any claims made in error they were not on my part and that fraud was even done in another county. I asked for a letter with the reasons for the denied claims they denied that, I also asked for proof of the 4 so transactions that were proven mine they said all they could do is send me the transaction information. I received one letter with one transaction. This bank isnt protecting my funds and hurting my credit a lot with their mixed information. All the other banks I had fraud in received the same information from me and everything was resolved within a month. Discover credit card sends me letters to not worry that all was approved in my favor and with no warning or letter put all the fraudulent charges back to my account. I need the charges that they could not proof were mine taken off.
02/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 28803
Web
Here is a copy of a letter I sent to Discover card in XX/XX/XXXX attempting to resolve the problem. I never had any response from them regarding the issue. I also tried calling them, and the three credit reporting agencies on multiple occasions. I disputed the issue with both XXXX and XXXX to get the item removed as a " negative item '' on my credit report. XXXX are now reporting correctly, but XXXX have made no changes following their investigation into my dispute. Re : Account # ending in XXXX In response to your letter of XX/XX/XXXX, the information you received about my complaint is wrong, even though I have told you several times what the problem is, and I have been trying to resolve this matter for over a year now. I have not been the victim of fraud. What I told you and XXXX, is that you reported my status to them incorrectly, and I would like you to report my status correctly, please. I am tired of having to go over this again and again, with both your company and the credit reporting agencies. I am now putting this in writing, and I would ask that you please resolve this matter as soon as possible, so I dont have to waste any more of my time. Your actions have directly and negatively affected my credit and FICO score. Here is the sequence of events, for your records. Please make a note of them, save the information, and relay the correct information to all of your departments and to XXXX ( it seems that XXXX and XXXX are reporting correctly now ) : I had a credit card with you ending in the above number from XXXX until XX/XX/XXXX. In XX/XX/XXXX I filed a Chapter XXXX bankruptcy which was dismissed two weeks later and never actually happened. I had always paid Discover every month on time with no problems. When I couldnt get into my account online to pay my monthly bill, I called your office and discovered that you had closed down my account without informing me, thereby cutting off any ability I had to pay my bill, which I was prepared to do. The rep from your office that I spoke to told me there was nothing I could do to take care of the payment. In XX/XX/XXXX I was contacted by XXXX XXXX Services telling me that they had been hired by yourselves to collect the outstanding debt of {$600.00}. I told them I was prepared to pay the entire amount, which I took care of in three installments. I asked them if this would help my credit situation and they said yes. In XX/XX/XXXX I received a notice from you letting me know that my account was paid in full. Subsequent to that, I discovered that my account with you is being reported with XXXX as a charge off, which apparently is a negative item, rather than a positive item that has been resolved. I feel it is very unfair that I should have this reporting negatively on my credit, when I did nothing wrong. I always paid you every month ; I offered to pay you during the period when my bankruptcy was filed and you refused to allow me to do so ; and I paid you through the collection agency when they asked me to. Yet I am being penalized, and my FICO score is lower than it should be, because you continue to report this inaccurately.
05/22/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 19401
Web
On XX/XX/2021 via Priority Express mail number XXXX XXXXXXXX XXXX XXXX XXXX XXXX Discover Bank received my validation of debt letter specifying I want direct verification of the alleged debt they say I owe. I requested to have the competent evidence of said debt and validation under penalty of perjury and as allowed by law, I also asked them to provide me additional evidence including proof that they are licensed to collect in the state of my place of abode. During the initial 30-day investigation period, Discover Bank was on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills. Discover Bank did not provide me direct verification or proof that sufficiently satisfies their claims. Instead, Discover Bank contacted me via phone, sent me emails and statements that I did not directly consent to and attempted to collect an alleged debt while the investigation was in place which is a violation pursuant 15 USC 1692g ( b ). Additionally, Discover Bank continued communicating or attempting to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ). Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ). If there is a debt owed, why is the balance in a positive status? In addition to the statement of dispute, a 2nd notice for Direct Verification, Affidavit of Truth and a Rescission of Signatures notice has already been provided to Discover Bank by I, the consumer in fact via Certified mail number XXXX XXXX XXXX XXXX XXXX. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Not only the allege debt is still not directly verified, Discover Bank has committed several federal violations against me, a Private law abiding Federally Protected Consumer, for which I am entitled remedy. Discover Bank must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : 1. Reimbursement of all prior compensation applied 2. Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the attachment to further explain this statement.
11/16/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • FL
  • 33179
Web
Let me begin by stating that I, as the natural person is the original creditor, and credit is my RIGHT granted pursuant to 15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term person means a natural person or an organization ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. ( g ) The term creditor refers only to a person I would like to inform the Consumer Financial Protection Bureau of the violations of this company under the Truth In Lending Act ( TILA ) & the Equal Credit Opportunity Act. I applied for an extension of credit on XX/XX/2021 and engaged in a consumer credit transaction pursuant to 15 USC 1602 ( i ) and was denied extension of my credit by this company. This company has violated 15 USC 1681a ( k ) ( iv ( II ) & 15 USC 1691 ( d ) ( 6 ) - Adverse Action, because the action that this company took was adverse to the interest of myself, the consumer. I have included the law here for reference. 15 U.S. Code 1681a ( k ) Adverse Action. ( iv ) an action taken or determination that is ( II ) adverse to the interests of the consumer. Let me remind this company that pursuant to 15 USC 1602 ( j ) I have an open end consumer credit plan in which I am able to contemplate repeated transactions. There is no limit to the amount of credit I am able to extend myself as the original creditor. I contacted this company on XX/XX/2021 & XX/XX/2021 at XXXX EST and spoke with a representative to inform this company of their violations and to reconsider their determination of my application to prevent further concerns. I was met with harassment and further violations and this company refused to extend credit to me. I would like to further remind this company that they are in violation of 15 USC 1691 ( a ) ( 3 ) as this company has discriminated against me for my attempts to exercise my rights under 15 USC 1691- Equal Credit Opportunity and extend credit back to myself. It is discrimination for a creditor to invoke adverse action for a credit consumer transaction if that transaction was in part due to a consumer report. I have included this law here for reference 15 U.S. Code 1691 ( a ) Activities constituting discrimination ( 3 ) because the applicant has in good faith exercised any right under this chapter. As you can see Consumer Financial Protection Bureau, This company has violated my rights as the natural person and a consumer. This company is held liable under 15 USC 1691c ( 1 ) ( A ) ( B ) and they are held liable for their discrimantion and violations under the Federal Deposit Insurance Act, in addition to 15 USC 1691c ( c ) they are held liable under the Federal Trade Commission Act. Before I continue to file for monetary damages because I, the consumer, have been mistreated by this company and they are held civilly liable under 15 USC 1691e ; I would like to hear their response in hopes that they reconsider their position. I have also included the letter that they sent me after my application was denied of thier violations for reference for this company Sincerely XXXX XXXX
06/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • MO
  • 64138
Web
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Discover Executive Vice President Of Credit and Card Operations XXXX XXXX XXXX XXXX XXXX DEXXXX Dear XXXX XXXX XXXX : An inexcusable situation has recently occurred with my discover card ending in XXXX. I entered the payment protection progam on and discover was inaccurate in their reporting. I was under the full impression that while in this program my credit would be protected from negligent reporting to the three credit bureaus, unfortunately for me I had Seven ( 7 ) months in a row of late payments. I have attempted to resolve this problem myself, but my attempts have been unsuccessful. Therefore, I trust you will personally and promptly do so for me. I have patronized your company for many years. Furthermore, I have promoted my satisfaction to my friends and family, who have then become clients of your company as well. Unfortunately, I felt it necessary that these many customers must also be made aware of the outrageous situation in which I have found myself. I expect an immediate and full refund of money discover charged my account while I was in the payment protection program by no later than two weeks from the date of this letter. Until I hear from you with this resolution, I will be forced to continue to dispute these late payments to all three credit bureaus. Thank you. Sincerely, XXXX XXXX XXXX cc : Director Federal Trade Commission Bureau of Consumer Protection Consumer Response Center, Room XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX T whom it may concern Discover is reporting my late payments in error! this is the letter I wrote to XXXX XXXX on XX/XX/2021 XXXX XXXX Executive Vice President Of Credit and Card Operations XXXX XXXX XXXX XXXX XXXX DEXXXX Dear XXXX XXXX XXXX : An inexcusable situation has recently occurred with my discover card ending in XXXX. I entered the payment protection progam on and discover was inaccurate in their reporting. I was under the full impression that while in this program my credit would be protected from negligent reporting to the three credit bureaus, unfortunately for me I had Seven ( 7 ) months in a row of late payments. I have attempted to resolve this problem myself, but my attempts have been unsuccessful. Therefore, I trust you will personally and promptly do so for me. I have patronized your company for many years. Furthermore, I have promoted my satisfaction to my friends and family, who have then become clients of your company as well. Unfortunately, I felt it necessary that these many customers must also be made aware of the outrageous situation in which I have found myself. I expect an immediate and full refund of money discover charged my account while I was in the payment protection program by no later than two weeks from the date of this letter. Until I hear from you with this resolution, I will be forced to continue to dispute these late payments to all three credit bureaus. Thank you. Sincerely, XXXX XXXX XXXX XXXX Federal Trade Commission Bureau of Consumer Protection Consumer Response Center, Room XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX
03/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CT
  • 06820
Web
My credit score dropped 100 points from XXXX in XXXX of XXXX to XXXX in XXXX of XXXX. It hasn't improved. The cause of this remarkable hit to my historically impeccable credit is deeply disconcerting as it concerns a {$20.00} payment, Discover Financial Services ' inability to contact me in writing ( they said they didn't have to ), and failure to get any relief in providing a statement to each of the major credit bureaus : XXXX, XXXX and XXXX. It's been over 4 years and my credit score has not improved at all due to this one matter in which Discover is culpable. Years ago I elected to receive Discover statements by email. For years, my statements arrived in that manner. In months where there was no activity ( most months ) I received no statement. I did not regularly use this card and had set up the paperless statements to alert me to when/if I needed to make a payment. Discover 's policy during that time was to only send a statement when a payment was due. From my perspective, the fact that I was not receiving statements was not unexpected. I apparently used my Discover card in XXXX of XXXX for a one-time XXXX order for {$19.00}. Theres no reason I would have held off paying the statement had I known about it. For reasons Discover is unable to explain, I stopped receiving emailed statements in XX/XX/XXXX. I therefore did not receive a statement about the {$19.00} charge, which was not a memorable event since my XXXX account is connected to another card I prefer to use. Discover proceeded to report a delinquency to the credit agencies in XXXX, XXXX, XXXX and XX/XX/XXXX relating to the {$20.00} XXXX $ XXXX interest ) payment that I missed because I was not seeing electronic statements. On XX/XX/XXXX I spoke to a representative at Discover and was told that they had stopped sending paperless statements to me in XX/XX/XXXX ( although I stopped receiving them in XX/XX/XXXX ). Why? Because he said they have the right to stop sending paperless statements when an account is in arrears. Their rationale is they switch to that in case an email is invalid, but they also say if the email is invalid they would know that, and so it doesnt make any sense that if the email is still valid that they just unilaterally stop sending the electronic statements entirely. It just made the situation worse. They did not send any kind of notice in writing, either. My credit had been above XXXX for years. Because of they stopped sending notifications, I missed the fact that I owed them a balance and it reduced my score from Excellent to merely Good. I contacted all three credit bureaus to indicate that I dispute the reporting by Discover and I also called Discover again in XX/XX/XXXX to initiate a formal dispute over how they handled the billing. They refused to take any responsibility and did not make any effort to address their part in failing to notify me. It's now XXXX of XXXX - almost five years - and my FICO score has not improved. Please help. This kind of reporting is not right. I'm XXXX XXXX XXXX. I had Excellent credit my entire adult life until I made the mistake of getting a Discover card.
08/28/2018 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
  • FL
  • 33161
Web
I graduated in XX/XX/XXXXof XXXX, and by XXXX of XXXX, discover had already called me asking me, when will I make payments? I advised I just finished college and I am currently unemployed therefore I couldn't make any payments. They told me they could give me 6 months to find a job but after I would have to start making payments. 6 months go by and I still could not find a job that could afford $ XXXX {$930.00} per month. So I decided to call Discover and see how we could lower my payments, so I could at least give them some type of payment to show I am not abandoning my payments. I called and spoke apparently spoke to a frontline rep, manager, and supervisor, whom all explained to me, " They could not do anything for me, but either put my loan in forbearance, or let it go to the creditors and ruin my cosigner and my credit ''. So we decided we will attempt to make the payments but also try and find ways so we can lower the payment, consolidate, or anything that would make these payments affordable. Every month around the XXXX and the end of the month, I would call, make my payments, and ask if there anything we can do to lower my payments. In XXXX of XXXX Discover took an entire payment for a loan I could not pay for and only authorized them for the minimum payment, over drafted my account, and told me they would have to reverse the payment but would not reimburse me for my overdraft fees they caused. After 10 months, Discover advised a repayment program, that would last for 6 months, but didn't advised me that my payments would rise after the 6 months. I accepted and payments were temporarily more affordable but quickly risen and currently still finding any and every way to get these payments done. I attempted to reconsolidate my loans and they have denied me 5 times due to my salary. Discover 's advise was to " Go find another company to reconsolidate with because they can not help and because I've had a repayment program I will now have to pay $ XXXX $ XXXX {$1000.00} per month. So I asked to speak with another supervisor XXXX, XXXX, and XXXX of XXXX, to explain I can not continue to make payments as much as they would like because they are asking for way to much money and I can barely survive because my paychecks are going directly to them every two weeks. I know doctors and lawyers and they DO NOT pay no where as close to what I am paying and that Discover is taking advantage of consumers like myself. Just recently I received a phone call from Discover threatening that if I do not make my payments that they will forward me to the credit bureau. But I had to correct the rep on DISCOVERS mistake because they put one of my previous payments on the wrong loan, and the rep advised even though it was a mistake on our behalf, you still might be forwarded to the credit bureau for your payment being late. I asked how when it was their fault, and she had no answer but it may still get forwarded and told me have a great day. I've explained to them my situation and if they could work with me because it's not like I do not want to pay off my debt but paying $ XXXX a month is outrageous.
08/30/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • OH
  • 45211
Web
To Whom It May Concern : I am contacting your agency to dispute damage against my credit by Discover. Historically, I have been a Discover customer since XXXX and have consistently paid on time over the years with no issues. Due to an incorrect email address and no attempts by Discover to reach me through a physical address, my credit has been damaged by very small amount - {$3.00} ( {$6.00} total including fees ). Please see attached statements related to the matter. The card was primarily my back up card and on XXXX I had to use it because my normal bank card was left in another purse. Purchases were made on XXXX at XXXX XXXX XXXX and XXXX for a total of {$48.00}. A payment of {$45.00} was made on XXXX without the statement because I knew I had used the card in the past month, but I couldnt remember the exact amount. I went ahead and scheduled the payment through my online bank ( XXXX XXXX ) of what I thought would cover the whole amount - {$45.00}. I was wrong in that assumption and was unaware of the email attempts Discover made to me due to an old email address and the paperless option I selected years prior ( I did update my physical address ). The statements were never sent to my physical address ; only through this old email account which I had been locked out of due to forgetting the password ( XXXX vs my updated XXXX ). No first, second, or final attempt was ever sent to my physical address before having my credit score negatively impacted. Had I been contacted, I would have absolutely paid off this small amount. The Ohio Attorney Generals site ( https : //www.ohioattorneygeneral.gov/FAQ/Debt-collection-FAQs # XXXX ) has this fact : 'A debt collector must send you an initial letter within five days of contacting you to tell you the amount of the debt you owe, the name of the creditor to whom you owe the debt, your rights to dispute the debt and how to request verification of the debt. ' I was contacted by mail XXXX that my account was closed due to inactivity and serious delinquency for {$6.00}. Confused, I immediately called Discover to inquire about what I read and learned the dollar amount I paid on XXXX was insufficient. I proceeded to pay off the remaining balance of in full through XXXX XXXX online banking. I asked the Discover representative if there was anything I could do to re-establish the account and apologized. I was informed there was not an option. A year and half later I am preparing to buy a home and I remembered this incident. I am regretful I did not catch this mishap earlier, but I also feel Discover failed to adequately contact me in the matter as prescribed by the Ohio Attorney General. I learned of the wrong email address through follow up calls recently. Again, there was nothing Discover could offer me to make things right. Damage to my credit for such a small amount can have rippling effects for 7 years. My other credit history demonstrates how seriously I take my great credit standing. I am hopeful your agency can act on my behalf to set things straight as the long-terms effects do not match the error made. Thank you for your time.
05/28/2015 Yes
  • Bank account or service
  • (CD) Certificate of deposit
  • Deposits and withdrawals
  • MD
  • 20901
Web
It has taken almost 3 months for my IRA CD account at Discover Bank to be transferred to the Government Thrift Saving Plan. During this period I was assesed an Early Withdrawal penalty by the Bank. I disagree that what I did was early and that I made a withdrawal, so I believe no penalty should have been assesed. 1. Early - Section XXXX of Discover 's XXXX Account Agreement defines a list of terms. Early is not among the terms defined, so I had to settle for the definition of " early '' in XXXX. The dictionary defines early as " of, relating to, or occurring near the beginning of a period of time ... '' According to Discover 's web site, my CDs were opened between XXXX XXXX and XXXX XXXX ( 3 to 5 years ago ), rolled over more than once, and have each retained the same CD identification number assigned at the original purchase. In such a case, one would think the period from purchase until the latest rollover would be considered " early ''. After that rollover, we would be in the present eagerly anticipating the next ( future ) rollover. To characterize the current or next action upon something established years ago as early indicates confusion with the concept of past, present, and future and seems a misuse of the English language. 2. Withdrawal -. a. Below is a quote from Discover 's web site sales pitch for their IRA. Please note that when the funds are coming in it is labeled a transfer ( no mention of withdrawal ) " With a transfer your money is moved directly from one IRA to another. The funds are exchanged between the financial institutions without the consumer ever handling them. ". b. Later on, when I questioned the " early withdrawal penalty, '' I was informed by an IRA specialist, " Any funds removed from an account are considered a withdrawal, in this case it was a withdrawal done via Transfer. Thus, per the Deposit Account Agreement, the Early Withdrawal Penalty does apply, and can not be waived. '' Other than the message above, I can not find any other reference to " withdrawal done via Transfer '' in Discover 's literature or web site. In XXXX, above, Discover is quoted as stating that a transfer occurs between institutions, yet when I request a Transfer ( between institutions ) of the entire account, I am penalized for a withdrawal.. How can this be? c. Related to early withdrawal is the statement in Section XXXX ( Amendments, Account Changes and Notices, of Discover 's Deposit Account Agreement, " If you are unwilling to agree to such amendments, you have the right to close your Account prior to the changes taking effect, subject to any Early Withdrawal Penalties. '' As I was/am willing to agree to the amendments and requested the IRA transfer subsequent to the Discover changes, I should not be subject to any early withdrawal penalties and my money restored. 3. Penalty - As it has taken Discover from XXXX until the XXXX to transfer my IRA account, I believe Discover has demonstrated outstanding proficiency in the subject of " lateness/late ''. Unfortunately, I do not believe it has demonstrated any aptitude in " early '' that would qualify it to assign penalties.
08/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CT
  • 06042
Web
I order my credit report. On my report its showed that the amount due on both accounts were charged off. A charge off is synonymous to a certificate of indebtedness & the IRS manual considers a charge off/ COI income & income can not be reported on a consumer report. I also never received any 1099-c form as a receipt for the cancelation of that debt. I contacted Discover Financial Service Customer Service multiple times over several days. I asked them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting. This is a clear VIOLATION of my consumer rights under 15 U.S Code 1681b -Permissible purpose of consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) in accordance with WRITTEN INSTRUCTION of the consumer, to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. 15 U.S.Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1666b. A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any reason. Both of my accounts displays clear VIOLATIONS of my consumer rights According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( 2 ) a ( 1 ), Except as provided in paragraph ( 3 ), the term " consumer report '' does not include reports containing information solely as to TRANSACTIONS. Therefore, I request that my TRANSACTION between Myself and DISCOVER, be updated to what is fair and equitable to me as a consumer. I request Accounts be updated to, PAANL ( Paid As Agreed Never Late to my consumer report. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the Accounts LISTED be BLOCKED and DELETED IMMEDIATELY! They're in DIRECT violation of 15 U.S. Code 6801 - Protection of nonpublic personal information Specifically this subsection 15 U.S. Code 6801 ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. - ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. Discovers privacy policy Specifically says they can not share information on credit worthiness. They have been reporting 13 months worth of credit worthiness information unlawfully without my written or verbal consent for account ending in ( XXXX ) and reporting 29 months worth of credit worthiness information unlawfully without my written or verbal consent For account ending in ( XXXX ). That's grounds for an {$13000.00} pay out for account ending in ( XXXX ) & a {$29000.00} pay out for account ending in ( XXXX ) according to 15 U.S. Code 1681 ( n ), which allows for { {$1000.00} } per violation. YOU ARE IN VIOLATION OF EVERY CODE IVE IDENTIFIED. Every discrepancy mentioned herein is also a violation of the privacy act of 1974.
08/23/2017 Yes
  • Checking or savings account
  • Savings account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • DE
  • 19701
Web
I opened a checking and savings accounts with Discover Bank on XXXX/XXXX/XXXX. The entire customer experience of opening the account was awful, but that is not the reason for the complaint. I eventually opened both accounts successfully and set up an initial deposit ACH from my XXXX account. Monday XXXX/XXXX/XXXX I received an alert my account had been frozen and Discover must be contacted before the hold could be lifted. I called as instructed and a Security agent, who asked me why I was calling even though he knew, reviewed my account and said there was an issue with the account generation, but he fixed it and I would no longer run into any issues. Come Thursday XXXX/XXXX/XXXX when the initial deposit still had not come through and purely showed as pending on the website, I called Discover concerned that the ACH was not going to go through. I was then alerted by the phone agent that there was an issue with my account caused at opening that needed to be resolved. The comment made it seems like this happens all the time. 1. The first agent I spoke with on XXXX did not fix the accounts as promised 2. If this is a common issue it should be resolved. I was transferred to a web team agent, XXXX, who fixed the account, which caused my account to lose all the preferences it had and my verified external accounts. Annoyance and extra work required on my part, but again not the reason for the complaint. XXXX informed me that the initial deposits were not going to occur and I must reschedule them, so I took her advice and proceeded to reschedule the transfer. Come Monday XXXX/XXXX/XXXX Discover completed all of the transfers causing my account to go negative. I immediately called to alert them and request the duplicate funds back. I have had several phone calls with Discover since then, and even representative tries to instruct me how an ACH works. I know how it works, I work for a bank ... The funds had left XXXX and they had no control over the funds at this point. Discover would not make the funds available to me until XXXX. When instructed them I required the money to pay for my mortgage come XXXX there was no empathy or real care to my situation. Discover refused to return my funds or escalate my issue to their executive office. They simply stated that their policy is there is a 30 day hold on all funds on new accounts for " fraud protection '' and this policy could not be overridden. This is a stupid policy plain and simple. My career has been spent designing Fraud and Non-Fraud processes for credit and retail banking and there are far better ways to prevent fraud then impact your newly acquired customer. On top of that I find it had to believe no one can override a fraud policy on an erroneous transfer. If I have a customer being negatively impacted by a fraud policy/strategy, I simply reach out to that team and they remove that policy for that particular customer. The same must be possible here. Discover refused any type of resolution to return my funds and forced me to contact XXXX to file a dispute on all the transfers to receive my funds back. This is not acceptable.
11/16/2015 Yes
  • Credit card
  • Payoff process
  • FL
  • 33026
Web Older American
I owed Discover Card money and I was having difficulty paying my bills. I was able to pay every month but sometimes it was not the required amount. In XXXX, I paid after speaking with XXXX of their representatives, however, I received a phone call 5 days later to pay the money owned. I find this to be annoying and I stated to Discover Card that nothing miraculous happened in the five days since I paid. I did not get a job or win the lottery. I thought this was harassment and I requested no phone calls. The same thing happened in XXXX and I had to call again about no phone calls and I was told that it was not documented when I called in XXXX. I was told the phone call restriction was put on now. I realized that Discover was not honoring requests for no phone calls. Since I was on the phone with Discover, I said I had some money and would like to settle the account and get it off my desk. I was given a settlement for {$800.00} due by XXXX XXXX. I did not have all the money but said I would work on borrowing from my sons because I wanted to finish up with Discover and I could not see any positive changes coming up in my financial situation. I asked for the offer in writing. I asked if I could send a money order and was told " no '', it had to be done electronically. I gave the representative my friend 's fax number and said I would call up and pay as soon as I had the money, if I was able to borrow it, and complete the transaction. I received the fax that day, and obtained the money by the end of the week. I went to my bank ( XXXX ) and deposited the cash on Saturday. I called my bank today and the cash was available and I called Discover Card. I was told that I did not have to call because the payment of {$800.00} was already set up with my bank account at XXXX XXXX. I did not give the authorization for the money to come out a bank account that I used before with Discover. I was using a different bank account to make the settlement payment. I was furious that Discover took it upon themselves to set up this payment at XXXX XXXX without my authority and it very well would interfere with other things I was paying. I asked for a supervisor. XXXX came on and said she was going to listen to the tapes to verify that i authorized them to automatically take out the payment. I said there was no way I authorized it because at the time of that phone call I did not have all the funds and was unsure if I would have them by the end of the month. I called back and spoke to supervisor and was given an " I 'm sorry '' but that was it. I did find out that the team gets some type of credit if they collect and I think this may be an incentive for aggressive tactics. However, setting up a payment without customer 's authorization is wrong. I feel vulnerable since I have used the XXXX XXXX account to pay online and over the phone and this information has remained with them. I probably should close out the XXXX XXXX account but I have other bills going through it and they have not yet been processed. This leaves me in a very uncomfortable situation and I do not see how this can be legal. Thank you.
11/30/2017 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • ID
  • XXXXX
Web
On XXXX/XXXX/XXXX, I accessed my account to to make sure that I did not need to submit paperwork regarding my student loan interest in anticipation of filing my taxes in XXXX. I noticed that my loan balances had been increasing every month for several months, and then I noticed that my account was in deferment. After checking my statements, I noted that my account was put in deferment in XXXX XXXX. I neither authorized nor wanted this deferment. My loans were close to being paid off when I last checked my balances in XXXX XXXX, and I looked forward to being relieved of this debt before I graduate from XXXX XXXX with new loan balances to pay in XXXX XXXX. My account for these loans has been on auto-payment for a long time, before Discover purchased my loans from XXXX in XXXX. I had no reason to think that my payments were not being deducted as instructed. I received no notice that my account was put into deferment, nor was it requested. The only notice that I received from Discover in XXXX XXXX was an indication that my interest rate had increased, which I attributed to the increase in federal rates. My interest rate was at 3.5 % for two loans and 3.25 % for one other at the time the deferment was instituted. Now, my interest rates are 3.75 % for two, and 3.5 % for the other. I called Discover for an explanation on XXXX/XXXX/XXXX. Discover 's representative told me that Discover had a company-wide issue with this and had been resolving the cases as they came up. He advised me that several accounts had a " box '' checked on their applications indicating that their account should automatically move to deferment status if Discover is made aware that the customer is in school. I never notified Discover that I was in school, because it was never my intention to defer these loans. Furthermore, I do not recall ever checking a box for this option. The Discover rep moved my account out of deferment and told me that my next auto-payment would be XXXX/XXXX/XXXX. However, this does not resolve the issue that, had Discover not put my account into an unauthorized deferment, my account would have been basically paid off by XXXX XXXX. Also, some of my payments would have been at a lower interest rate. Now, I will be paying for these loans up to my graduation, at a higher interest rate. I asked Discover for remuneration for the inconvenience and increased interest rate and was told that none was currently available for customers, like me, who were affected by Discover 's error. I contact CFPB today, because Discover indicated that this was an issue that affected many with student loans owned by Discover. Though my loans balances are low, and the amount of additional interest that I will end up paying will be small, other customers have larger loans balances, which will result in a larger payout to Discover in the long run. It is patently unjust that Discover should profit from their mistake. Furthermore, since the error was on the part of Discover, Discover has the responsibility to rectify the error and actively contact any and all customers affected, rather than the other way around.
07/18/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • ME
  • 047XX
Web
On XX/XX/XXXX my wife, who is a joint account holder on all my Discover Bank accounts, called Discover Bank to activate a new debit card, at which point she was informed that of all our accounts at Discover Bank had been closed ( this includes two joint savings and two joint checking accounts. We have no credit card accounts with Discover Bank, and owe them no money ). My wife asked to speak to a supervisor who informed her that our funds would be sent via check within 60 days. The supervisor informed her there was no indication of any illegal activity or fraud. The supervisor would not explain why the accounts were closed without notice. The supervisor stated that we would not be able to transfer our funds to another bank and that we would have to wait for a check to be issued. We called Discover Bank again to expedite the payment due to financial difficulties we were facing, and the Discover representative stated that a check would be sent to us on XX/XX/XXXX. When we called on XX/XX/XXXX to confirm that the check had been sent, we were informed that the check had not been sent. We again asked to speak with a supervisor who informed us that there was no legal issue and that they would get the check expeditated within 2 weeks, and that a check for {$11000.00} would be sent by XX/XX/XXXX. When we again called to confirm whether the check had been sent, Discover Bank informed us that the check would be sent shortly after XX/XX/XXXX. When no check arrived in the first 2 weeks of XX/XX/XXXX, we attempted to follow up with Discover on XX/XX/XXXX and were told that a representative from Discover bank would reach out to us on XX/XX/XXXX. The agent informed my wife on XX/XX/XXXX that the check should be mailed out on XX/XX/XXXX. When I called Discover Bank later on XX/XX/XXXX to confirm that this was indeed the case, the representative, whose name is XXXX, informed me that the earliest we could expect the check was XX/XX/XXXX because checks would only be mailed out 60 business days after the last deposit was made to our accounts she informed me that the final deposit date was XX/XX/XXXX. I asked to speak with a supervisor and was informed after an hourlong hold that no supervisor was available. I asked to have a supervisor call me to explain the continued misinformation and to confirm when our funds would be sent. The representative informed me that she could not confirm the balance we are owed, nor the reason for the continued delays. Discover bank scheduled a telephone appointment for XX/XX/XXXX to speak with a supervisor. On XX/XX/XXXX, a Discover representative called to inform us that the appointment was postponed to XX/XX/XXXX between XXXX & XXXX EST. On XX/XX/XXXX a representative from Discover bank postponed the telephone appointment for the second time, giving a new date and time for XX/XX/XXXX at XXXX EST. Given the events over the past couple of months, I have no confidence in Discover Banks motivation to resolve this issue. I believe that they will continue to avoid our efforts to obtain the funds they owe us. I therefore see no option but to file a complaint.
06/13/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • NY
  • 11729
Web
I received one letter from Discover XXXX card ( approximately XX/XX/XXXX ) company stating that if I do not use my card, it will be closed due to inactivity. I proceeded to try & use my card within the timeframe they given, and the card was declined/locked. I called discover for them to unlock my card and they informed me I need to do account verification first. I sent in the proper paperwork with my statements and a notarized form. Calling a few weeks later, because my card was still locked and the inactivity date was approaching. they then mentioned on the phone the notary I used was not acceptable and it had to be from a banking institution such as XXXX etc. The woman on the phone then gave me an extension to get it properly notarized. I then went to chase had it notarized and sent in via Discover XXXX I called the next day to make sure they received it and it was confirmed. I was then under the impression someone would get back to me to state my card was unlocked & ready to use. A few weeks pass by and the account was officially closed. I was never notified via email text message, phone call or letter by mail that they closed my account due to incomplete notary. I spoke to several different department on numerous occasions, following the error that was made on their behalf. Finally reaching to a supervisor named XXXX she stated that my account was closed in error and that she will re-open it once she verified my second notary. I never heard back from her, so I proceeded to call back again. I spoke to another representative stating that the decision they made was final, and they will not reopen my account. My card with Discover was then reported to the credit bureau. Bringing us to XX/XX/XXXX I contact XXXX from customer advocacy. She informed me she will start an investigation and get back to me. Today XX/XX/XXXX she informed me her investigation was final, and the decision for Discover was correct. It clearly states on my account it was closed in error. She proceeds to tell me my account was closed due to improper documentation. In addition to me speaking to XXXX, XXXX states XXXX told me it will be reopened over the phone. XXXX never informed me that it was re-opened or else I wouldve use my card to avoid the closure. Regardless, a proper letter or email should have been sent stating what we discussed on that day, and that my card was ready for usage. I stated to XXXX I was never informed via email or a letter in the mail that my account was reconsidered and able to be used. I come to find out after speaking to another representative named XXXX that works in XXXX office on XX/XX/XXXX to the XXXX. They gave me that timeframe to use my card when in reality I was under the impression my card was still unable to be used due to never being told I have from XX/XX/XXXX to the XXXX to use my card. XXXX continued to give me a hard time & talk in circles. I asked her how does a company close and reopen a customers account and not notify them she was unable to answer that question. Discover XXXX card company illegally closed my account without proper notification twice.
01/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77346
Web Older American, Servicemember
XX/XX/XXXX Dear Sir or Madam : I am writing this letter regarding deceptive practices and erroneous fees and interest charges I received from DISCOVER. This company failed due diligence to protect me from unscrupulous merchants who never delivered the service. The related charges to the dispute are in error and XXXX XXXX XXXX informed me that they attempted to reverse their charges after realizing they made mistakes but DISCOVER would NOT accept the reversal. It appears this company engaged in conduct that helped the scammers rake in megabucks at my expense. XXXX XXXX had to send me the payment and I, in-turn sent it to DISCOVER. DISCOVERs refusal to accept the reversal payments caused a delay in resolving the matter, resulting in interest and late fees. The following are dates and persons spoken to in an attempt to resolve this matter : XX/XX/XXXX Spoke to XXXX and XXXX XXXX XX/XX/XXXX Sent supporting documents ( certified ) XX/XX/XXXX Spoke to XXXX XXXX disconnected ), spoke to XXXX who forwarded me to XXXX ( Dispute resolutions ) who forwarded me to XXXX ( security team ) who forwarded me to XXXX, then back to XXXX ( Resolutions ) then to XXXX ( customer assistance ) then to XXXX ( Billing ) then to XXXX XXXX billing resolutions ) who told me that it would take a couple days to make the changes to credit my accounts. XX/XX/XXXX Contacted XXXX about the status of the removal of interest and late fees and was forwarded to XXXX ( Fraud dept ) then to XXXX ( Resolutions ) then to the supervisor, XXXX, and then forwarded to XXXX ( Manager, Billing Resolution ) and received the same answer. My account numbers with DISCOVER are XXXX and XXXX. After repeated attempts since XX/XX/XXXX to rectify my accounts, this company has used deceptive conduct and failed to reimburse me for fees and interest as a result of the fraudulent activities of XXXX XXXX XXXX in XX/XX/XXXX. The enclosed are copies of accumulated amounts are : XXXX Card ending in XXXX Card ending in XXXX Total XXXX {$310.00} ( Interest ) {$210.00} ( Interest ) {$530.00} {$29.00} ( fees ) {$29.00} XXXX Card ending XXXX Card Ending in XXXX Total XXXX {$210.00} ( Interest ) {$290.00} ( interest ) {$510.00} {$40.00} ( fees ) {$40.00} I contacted the company of several occasions from XX/XX/XXXX in regards to this matter. Documentation to support my requests has also been presented and on XX/XX/XXXX, explanation was again given to DISCOVER representative, XXXX, about the misleading and fraudulent practices of this company. She informed me that they would make adjustments for the charges and it would take a few days. Failure to receive an appropriate response to this problem has prompted me to write directly to you. I would appreciate your assistance in resolving my complaint. I would like to receive full refund from DISCOVER of the full erroneous charges of {$1100.00}. I look forward to hearing from you soon regarding my problem. I would like to receive a response from you as soon as possible. Please contact me if you have any questions or need additional information. I may be contacted by e-mail at XXXX XXXX
09/06/2017 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Problem lowering your monthly payments
  • NC
  • 28104
Web
Discover Student Loan Complaint Background XX/XX/XXXX Primary Student Borrower : XXXX XXXX Cosigners : XXXX XXXX and XXXX XXXX Total Amount Owed : XXXX My name is XXXX XXXX, and both my step-father, XXXX XXXX, and my mother, XXXX XXXX are cosigners on my Discover Student Loans. All of our credits have been ruined by Discover Student Loans, although we have been trying to work with Discover since I graduated from college in XX/XX/XXXX to get more reasonable payments based on my income ( please see additional attached documents ). After ignoring our pleas and ruining our credits, Discover decided to put me on a Hardship Program, after I lost my job. This went into effect in XX/XX/XXXX. My mother called Discover Student Loans at XXXX at XXXX on XX/XX/XXXX and spoke with XXXX . She requested that our credit reports be corrected since we have been trying to work with Discover Student Loans for years to come up with a solution. XXXX told her that Discover will not do this, so she sent an email requesting that the phone call recording be escalated to senior leadership at Discover. She received a call from XXXX XXXX at Discover on XX/XX/XXXX and was informed that the issue is being escalated to Discover Executive Leadership. My mother received another call from XXXX XXXX on XX/XX/XXXX stating that Discover Executive Leadership will not correct the credit reports and will not look at the loan until after the 1 year hardship program has ended. We have been trying for years to work with Discover to reconcile reasonable payments. We sent emails to Discover Leadership as far back as XX/XX/XXXXto demonstrate Discover Student Loans role in the following : Using unethical tactics to assign high interest rates to students with high credit score cosigners. Using the high interest rates to create payments that students can not afford coming out of college. Attacking cosigners before working with the direct borrower to get payments. Making undocumented suggestions that students not pay to demonstrate hardship in an effort to go after cosigner assets. Using XXXX-type tactics ( high interest, bullying, ruining credits, and lies ) to get from borrowers what they should never have owed. Discover Student Loan tactics role in decreasing the amount of students entering college in the US and therefore leading to the demise of our nation relative to other nations. Discover Student Loan tactics role in increasing crime as students get desperate because of the bullying and threats and knowledge of the fact that bad credit ruins futures ( ability to get that next best job, ability to buy a house or anything else that requires good credit, etc. ). This threat is real to these students and the resulting desperate behavior would probably surprise us all. I am filing this complaint in hopes of driving a large investigation into this behavior and thereby driving change. I dont know how Discover Leadership sleeps at night. They are a lending institution but it doesnt mean that they have to play this big of a role in ruining America. What they are doing is everything that is wrong with America today.
09/20/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 95677
Web
This discover card company started sending me letters that I owe money since I have live in california for a good few years now, I have been filing a dispute and all i get is lawsuits and big paper of 200 +pages of things I spent in the good states of Massachusetts I have filed identity theft because I have been a victim and they are not budging everytime I even open a bank account way back when and my roth IRA and along my savings close because one was apparently in the negative and the most recent savings I have including my roth ira was close due to someone in Georgia accessing my account I have have this happened, I have no idea how this is happening but is is happening and this morning someone access my information in XXXX XXXX I fell for a student loans scam and gave out my information and it was then it all started back i XXXX with all this discover shenanigans. In XXXX I was in high school with no income, I graduated and started college and I'm still in college I kept receiving letters from them and since they never wanted to delete anything from my account and keep destroying my credit report since XXXX, I agree to made some payments while i investigated myself I filed a dispute and all the time it was either a lawsuit or a big fat packet with information I have no recollection of I work 16 hours a week for {$17.00} friday and saturday and sunday the next and sometimes i miss work cause i get sick I manage to pay rent cause of California rent relief for covid and eat at work and applying for stamps and don't make enough my rent is {$1400.00} plus utilities its XXXX i pay rent late cause i don't make enough and applied for countless job and none seems to be hiring I called XX/XX/XXXX to ask for payment plans cause at this point I'm being forced to pay an account that i did not open I was met with some help and the account manager said I was not interested in your financial hardship they told me they would have a financial agreement on XX/XX/XXXX open my mail box just to find a lawsuit along with my financial agreement I'm stressed so much I started XXXX with XXXX cause its been an ongoing thing I'm now supposed to pay {$150.00} every month out of 16 hours a week with {$17.00} oh by the way XXXX is from my school free its enough I have to pay for something that is not mine cause someone opens it with my information its okay living on the streets is better so pay money so you don't have now while talking to them on XX/XX/XXXX they've told me I have made payments with a XXXX account mind you I have never own a XXXX bank cause I discovere who destroyed my credit report call XXXX and ask them i have never own an actual bank cause of them i have always been denied I contact their debt collector on XX/XX/XXXX and I now received a payment agreement on the XXXX 9 days before my supposed due dates attached is a lawsuit that was filed on XX/XX/XXXX which the letter said i had 20 days from the day it was filed to answered oh its XX/XX/XXXX, their debt collector never said anything about it so now i have to pay {$1000.00} lawyer plus the {$3000.00} from discover
08/15/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • CA
  • 945XX
Web
On XX/XX/XXXX, Discover Bank partnered with XXXX to provide 5 % cash back for XXXX product. On XX/XX/XXXX I purchased and was billed for a fraudulent XXXX gift card sold by XXXX. I found out the same day that I paid {$200.00} for a {$200.00} XXXX gift card, but the actual balance on the gift card was {$0.00}. I called the same day on XX/XX/XXXX, but XXXX refused to refund the gift card purchased. Because of no refund for a fraud card, I submitted a claim to Discover on XX/XX/XXXX with screenshot that I got {$0.00} balance from on receipt that said I'm entitled to {$200.00} XXXX credit. According to Discover 's Bank terms of service, I'm entitled to be protected against Incomplete service ( Did you pay for something that was never delivered? Was there a quality issue that affected your ability to use your purchase, or the product you received wasnt as advertised when you charged your card to pay for it? ) However, on XX/XX/XXXX Discover Bank close the case and refused to give me my money back for a clearly fraudulent charge and said that I should " work with XXXX '' to get my money back. refused to refund me my loss. Discover created the 5 % cash back promotion with XXXX and then force consumers like me to eat the {$200.00} fraudulent XXXX gift card. Attached are my Discover and XXXX provided no proof that the XXXX gift card I had contained {$200.00} balance, which would be impossible because I checked the same day of purchase and the balance was exactly {$0.00}. I called customer support, and she said XXXX ) XXXX provided the same receipt that I provided, so that doesn't help them learn more about the case and 2 ) the " reason '' that my case resolved in favor of XXXX, Discover 5 % partner, was that my screenshot has no time stamp. Over the course of one month during with Discover processed my case, I was never asked to submit a new screenshot with a time stamp that they dearly needed, even though the dispute process said that Discover would promptly follow up with me if it needed anything for my case. 3 ) the customer support lady acknowledged that the documents XXXX sent that supposedly proved the XXXX gift card has {$200.00} on it has no time stamp either, and for what reason Discover hold their partnership with XXXX to a lesser standard than me, she " didn't know ''. The customer support lady just sheepishly said, " I'm sorry, I know how you feel. I'm not going to buy a gift card from XXXX after hearing your case ''. But refused to refund me my loss. Discover created the 5 % cash back promotion with XXXX and then force consumers like me to eat the {$200.00} fraudulent XXXX gift card. Attached are my 1 ) receipt, and 2 ) screenshot sent to Discover, 3 ) Discover 5 % cash back program partnering with XXXX 4 ) Discover consumer protection policy, and 5 ) Discover final case statement on XX/XX/XXXX with all " evidence '' provided from XXXX, which has nothing that said I received the {$200.00} XXXX credit and just said " XXXX will not refund ''. Following that statement, Discover statement said, I should " work with XXXX to get my money back. ''
10/22/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60047
Web
I have documentation that supports the fact that the activity on my Discover card on XX/XX/2020 was fraudulent. The 22 charges that were made on my Discover card that day Included 21 charges to XXXX in XXXX XXXX, FL ( 10 transactions for {$950.00} and 11 transactions for {$100.00} ) and one charge of {$1.00} at XXXX XXXX XXXX XXXX, FL. This totals to {$10000.00}. This is a case of classic fraud. There would be no reason for me to make 22 charges of the exact same amounts on the same exact day at the same exact store. In addition, all of these transactions took place in XXXX XXXX, FL and I reside in XXXX XXXX, IL. I have documentation proving that I was at my job at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, IL on Friday, XX/XX/2020 thus proving that I was nowhere near the Florida ( where the fraud activity took place ). The documentation shows that I attended two professional development sessions on that day. At my job they keep track of the employees temperatures and when they entered the building. I called XXXX XXXX and they said they can try to look up surveillance footage, receipts, etc. to show that I was not the one making those purchases. They requested that Discover Card contact them and speak to their Bank Card Service Team. I did not authorize any of the charges on XX/XX/XXXX. According to my XXXX phone, I received a call from Discover Financial. When I received this call, my caller ID stated that it was Discover Financial. When I answered the call, I was told that my card was compromised and that I had fraudulent activity on my card. I told the man on the phone to cancel my card because I was not the one making those transactions. He then said he needed some information from me in order to cancel the card. I do not recall exactly all the information he asked for, but I did not give him my full card number or my social security number. He then told me that a text would be sent to my phone with a code that he needed that would allow him to close my account. I received a text from XXXX and received a code ( XXXX ) at XXXX and I told him the code. When transactions kept appearing on my account and exceeded my credit limit of {$10000.00}, I was very confused and concerned. I called Discover and told them that I dont know why but there was still activity on my card even though it should have been closed. They looked in their system and told me that no one tried to close the account. Instead, someone verified that all of that activity was valid. I DID NOT do this. I told the woman that I requested to close my account, I made it known that I was not making the charges, and that I do not recognize and do NOT authorize any of those transactions. The representative made note of it and then closed my Discover account and said I would be getting a new card in the mail. Please let me know if you need me to provide you with any more evidence proving to you that I did NOT authorize anyone to use my credit card, I did not make those purchases and I was not even in the same state of where those purchases took place. Thank you for your consideration.
02/20/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • XXXXX
Web Servicemember
My son has been XXXX since XXXX. Me his mother have been attempting to make his cc payments to Discover card. XX/XX/XXXX Discover card refused to take a payment from me. I never called requesting information or wanting any information regarding this account - simply to just make the payment. It is documented in the system that they refused the payment even after I explained to them what was happening with my son. I did not have his mail so was unable to mail in a payment. Month after month I called and they refused. XX/XX/XXXX I spoke with XXXX, who told me as XX/XX/XXXX Discover card charged off the account. She went on to say she would be glad to take a payment but could not discuss the account. She said once given permission they would discuss options. She was asked why take a payment now that the account is charged off - when this could have been avoided had they taken the payment months ago, month after month. XXXX - permission was received to speak with my mother regarding the account. She explained he situation - stated she wanted to make the payments have the account reinstated and my credit history updated because it was not like we were not attempting to make the payments - DISCOVER was refusing to take them until the account charged off. XXXX, who said the account was charged off. XX/XX/XXXX spoke with XXXX XXXX - manager who said it was charged off and that was it all we could do is pay and nothing else. XX/XX/XXXX called Discover and XXXX to XXXX, who confirmed that XX/XX/XXXX Discovered refused payment it was documented in the system. He went on to say that the policy changed and they can now accept payment. It was explained to him that if that is the case then the account and the account holder should be made whole. He went on to say he did not see any calls regarding the account. It was explained to him that the regular number was called. XX/XX/XXXX - explained to XXXX we wanted to set the account on autopay and have the account reinstated remove late charges and have credit to no longer reflect negative due to them not accepting payments. XXXX said once charged off they were not taking it back and we could dispute it with XXXX - She said balance was XXXX could settle for XXXX and it still show negative on the account. XXXXThey wanted us to accept a settlement but did not want to send it out for us to review. XXXX said we had to verbally accept it first then they could sent it out. We explained that we should be able to review to see if it is in my best interest first. She said she could not do that. Discover stood in the way of this account being maintained successfully. Although, my son was not able to make payment he had someone willing to pay the card, not get information, or any thing additional about the account simply pay money and they refused it. Now they want to charge off the account and negatively impact his credit. It is unethical and simply wrong and distasteful. I am not a joint holder or card holder of the account - I am the parent of the account holder who is authorized 3rd party to discuss the account and make payments.
11/28/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 32714
Web Older American
This is my online conversation with a Discover representative in which they refuse to accept my reduced payment of {$150.00} a month from the monthly amount of XXXX XXXX/month I have been unemployed since XXXX I am not able to make the complete {$200.00} but I have been making {$150.00} and you have not addjusted my account. Now I have bankruptcy attorney that we will soon XXXX XXXX in Florida in which Discover account will be included in my bankruptcy to be filed in the future should you proceed with collecting procedures and if you do my bankruptcy attorney will be contacting upon mail notification from a collection agency XXXX minutes ago Discover One of our 100 % US based customer service agents will be with you as soon as they can. Feel free to return anytime, your message history will be saved here. For your reference, our normal business hours are Mon-Fri XXXX ET, Saturday XXXX XXXX, and Sunday XXXX ET ( excluding holidays ). If you are messaging us during our closed business hours, we will respond to you once we return. Discover Hello XXXX XXXX, my name is XXXX and I will be assisting you today. I appreciate you taking the time to reach out. Thank you for being a loyal Discover card member since 2014. I see you are reaching out to let us know you are filing for bankruptcy. I am sorry your situation has lead you down this path. I hope things start to turn around for you! I see you gave the attorney 's name of who you are working with, XXXX XXXX. Can we get a phone number to reach him please? Fresh-Start.Law, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Ph. ( XXXX ) XXXX I have been making payments of {$150.00} and not the {$200.00} each month and you still are giving me a rough time about the {$50.00} that i am not paying each month totaling {$200.00} I had chatted previously sent you emails etc about this and still you will not lower my payments. to {$150.00} I will email my bankruptcy attorney and let him know how you will not negotiate reducing my payment Presently my account will not make payments of {$75.00} twice a month only demanding the {$850.00} and I can not make that XXXX minutes ago Unless you release this demand I can not make payments for XXXX You have tied my hands Thank you for providing that information. Again, I am sorry your situation has lead you to this point. I do see that you have been making {$75.00} payment twice a month for the past XXXX months. We have already done all we can to help you with this balance as you are enrolled in our 60 month pay off program which is lowering the interest rate to 0.99 % minimum payment to {$200.00} which is the lowest we can go. There is currently a minimum payment of {$850.00} since your account has been behind serval months, and I know you are paying what you can each month. I have noted your account with the information you have provided me with today. Thank you for reaching out to us! But you are not allowing me to make the {$75.00} payments for XXXX Therefore I can't make any payments until you change my account to allow me to make the payments now
09/18/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • CT
  • XXXXX
Web Older American
Had a credit card with Discover for 35-40 years, closed account, referred to as Ole reliable, no real issues to speak of. Shortly after closing this credit card decided to open another credit card, this time it was called DiscoverIT. Process worked well, statements arriving on time, ( paper copies directly from the bank, also statements on line ). Par usual, then of course fraud, upset to my normal credit card usage. Then statements not arriving as before, in, essence, normal processes disrupted. Of course, having to deal with the Fraud department. When this happens, it is very time consuming for the customer ( who, by the way, is not being paid for the research involved, as are the Fraud agents ). It could take weeks until credits are issued or, of course, having to close the credit cards and then issue another. There seems to be a pattern with these banks, preplanned by the banks, deliberate, especially when dealing with senior citizens, to mess with customers accounts. Discover and I are no longer and I would advise anyone, where I reside not to have any dealings with this bank. I would not trust any of them to manage MY money or have any control. All these huge banks have the same AGENDA, to XXXX the customers, have them go into debt, take out loans so the bank profits, pretty much functioning in a very unprofessional, sleazy, deceptive platform. When calling the call centers, representatives extremely difficult to do business with, extremely amateurish, should be fired or retrained, finding many do not even know what they are talking about, or children answering the phone, saying I can help you. WHAT!! It is so BLATANT how these banks try to mess with customers accounts. The Federal Bureaus refer to this behavior as DECEPTIVE practices and Discover surely falls into that category, pretty XXXX and contrived. My association with this bank is OVER, as was with XXXX, XXXX, XXXX XXXX, currently involved in a {$140.00} XXXX class action case, I can see Discover ending up in the same predicament. Their Executive Advocacy representatives are the biggest FARCE I have ever dealt with in my 60+ years of banking. You, the customer, is advised to deal directly with them bypassing call centers, and when you try to reach them, of course, unreachable, at any of the phone numbers you, the customer, have been given, this could go on for weeks. REALLY!! The banks want to know how much money you, the customer, has, and knowing this, I do not play with much, I know, the bank will try to mess with my accounts, or ROB me blind to their own advantage. I pretty much put these banks, ie : credit card, checking account, debit card on a trial of 1-3, 3-6 months, if in that time a lot of disturbances to my normal banking, statements not coming on time, you know, all that deliberate XXXX the banks do, I will close accounts, FORGET any investments. It is unfortunate, these huge banks function from such XXXX, DECEPTIVE platform. I am OUT, good luck Discover acquiring new customers or even maintaining the ones you have. Checking account # XXXX XXXX Credit card # XXXX
01/14/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28411
Web
Date : XX/XX/XXXX To : Discover Card & XXXX Re : Fair Debt Collection Practices Act Violation As amended by Public Law 111-203, title X, 124 Stat. 2092 ( XXXX ) and as a public service, the staff of the Federal Trade Commission ( FTC ) has provided us consumers the following text ( Excerpts ) of the Fair Debt Collection Practices Act 1692-1692p. 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Discover Card and their attorneys violated my rights regarding an unlawful letter that was mailed to me by Discover Cards Attorney containing content that was untrue and unlawful and a direct violation of 15 U.S. Code 1692e - False or misleading representations. I have made several complaints regarding this and now I am hiring an attorney because it has devastated me and caused me mental anguish ever since I received a letter from the creditors ( Discover Card ) Attorneys ( XXXX ) dated XX/XX/XXXX. I have suffered migraines and upset stomach, XXXX, and severe stomach aches ever since I read the letter and was scared and upset at the amount the attorneys were asking which is not nor has it ever been consistent with what Discover Card has confirmed multiple times that I allegedly owe. XXXX scared me when I received a letter from attorneys at law and demanding payment of {$3400.00} which is over and more than the amount that Discover Card has stated and confirmed multiple times through many disputes of the amount that I allegedly owe Discover Card is in fact {$2300.00}, nothing more or nothing less. This is a direct violation of 15 U.S. Code 1692e - False or misleading representations, a federal violation. The actions of Discover Card and their attorneys XXXX XXXX also violated N.C. state laws with the same unlawful action, N.C. Gen. Stat. 75-54 Deceptive representation No debt collector shall collect or attempt to collect a debt or obtain information concerning a consumer by any fraudulent, deceptive or misleading representation. Such representations include, but are not limited to, the following : ( XXXX ) Falsely representing the character, extent, or amount of a debt against a consumer or of its status in any legal proceeding ; falsely representing that the collector is in any way connected with any agency of the federal, State or local government ; or falsely representing the creditor 's rights or intentions. I would like you to respond as to your position and what you propose as a remedy to these violations prior to me turning this entire nightmare you have put me through over to a FDCPA lawyer and filing a complaint with the N.C. Department of Justice outlining the specific charges I feel you have violated. XXXX XXXX ATTACHED : UNLAWFUL LETTER
09/17/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • TX
  • XXXXX
Web Older American, Servicemember
Your pre-prepared catagorization of complaints doesn't well fit my complaint, which I will express below by ( 1 ) & ( 2 ) expressing absolute facts about consumer credit, then ( 3 ) asking what should be rhetorical question and provide what I think is an reasonable and appropriate answer. ( 1 ) Canceling a credit card damages a person 's credit rating. This is an absolutely accurate statement, although certanly not an intuitive or obviously logical fact. ( 2 ) A credit card user agreement is imposed as terms by a credit issuing company for the customer to voluntarily accept. This is also an accurate and factual statement. ( 3 ) Do you think it is appropriate, in good faith, or even legal for a user agreement to essentially state that credit extending company reserves the right to tangibly damage a card holder 's credit for any other reason than non-payment? Such a condition likely fails a reasonable consideration of appropriate, good faith, or legal activity. Discover 's user agreement doesn't say outright that they reserve the right to damage the customer 's credit rating, but that is the factual and inevitable impact of their agreement stating a card will be canceled if it isn't used often as often as they want. Said a different way, their " agreement '' essentially hides the authority for them to damage their customer by canceling their credit card for reasons other than non-payment. My two points are very simple. ( 1 ) Discover 's user agreement literally allows them to damage a customer for reasons other than non-payment, something no customer would likely agree to, so Discover disguises the deliberate intent to harm and the customer 's so-called permission to allow Discover to cause harm through accepting the user agreement. ( 2 ) It is predatory, not in good faith, and hopefully illegal to intentionally craft a user agreement knowing that hidden implications could be used to tangibly harm the other party, and to not very clearly and up-front expose and express such threats. There is a difference between the cost of doing business and harming someone. Choosing to not use an available credit card may represent to the credit card company a temporary small cost of doing business, but NO certain harm to anyone. However, canceling a credit card causes CERTAIN harm to card holder 's credit rating. Further, Discover considers that supposedly sending a routine, non-accountable postal mail letter notification to use or lose my card ( a letter that I never knowingly received ), represents that I intentionally allowed them to cancel my card and hurt my credit rating by not using my card. In summary, these are the facts : I was a good customer, paid my balances on time, but my credit card was canceled without my knowledge and my consumer credit was harmed because I chose to use credit priviledges infrequently. Credit regulations and simple contract law should never allow contracts that give one party the ability to damage the other without reasonable due cause, and simply electing to use credit infrequently should never qualify as due cause.
06/16/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • PA
  • 16602
Web
I am writing to file a formal complaint against [ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ] regarding their unlawful debt collection practices. I believe that their actions have violated several provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ) and request your assistance in addressing this matter promptly. Details of the complaint : Harassment and Intimidation : [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ] has engaged in continuous harassment and intimidation tactics while attempting to collect a debt from me. They have repeatedly contacted me via mail, emails, often using aggressive and demeaning language. These actions have caused undue stress and XXXX infringing upon my rights as a consumer. Misrepresentation of Debt : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] has provided inadequate and misleading information regarding the alleged debt they are attempting to collect. Despite requesting verification of the debt in writing, they have failed to provide any supporting documentation, making it impossible for me to assess the accuracy and legitimacy of the debt. Assess an unlawful judgment against me without providing me with said alleged debt as requested. Unauthorized Disclosures : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] has disclosed information about the debt to unauthorized third parties, including my family members and colleagues. Such unauthorized disclosures have violated my privacy rights and potentially damaged my personal and professional relationships. Failure to Cease Communication : Despite my explicit request for [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] provide alleged debt as requested, they have now requested an unlawful judgement against me, didn't appear in court and sending false documents to my domicile, along with persistently disregarding my rights under the FDCPA. Their continuous harassment has caused significant distress and interfered with my daily life and obligations. I have attempted to resolve these issues directly with [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] but have not received a satisfactory response. Therefore, I kindly request your intervention to investigate this matter thoroughly and take appropriate action against the law firm for their unlawful debt collection practices. I also request that you impose any necessary penalties or sanctions on [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] to prevent further harm to me and other consumers. I am willing to provide any additional information or documentation required to assist in the investigation. I understand that the Consumer Financial Protection Bureau is committed to protecting consumers from unfair and deceptive practices, and I trust that my complaint will be treated with utmost importance. I kindly request regular updates on the progress of this investigation and the actions taken to resolve this matter. Thank you for your attention to this complaint. I look forward to a swift resolution and the enforcement of appropriate measures against [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ]. Sincerely, [ XXXX XXXX ]
12/01/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • PA
  • 196XX
Web
Loans originated with XXXX for Private Student Loans for University of Colorado XXXX, CO beginning XX/XX/XXXX. There were a total of XXXX loans which were bundled together under the same account. The loans were sold to Discover and as of XX/XX/XXXX I began having repayment issues : i.e. lost payments, sending certified checks that were unaccounted for, no explanation as to how my money was being misguided, late fees, harassing phone calls to settle late fees, etc. I finally received a statement, XX/XX/XXXX which stuck out due to the contrasting difference of the letter head. This allowed for further investigation after noticing only XXXX of the XXXX loans were listed. Then I compared that statement with the previous statement and discovered that there was a completely different customer ID for these XXXX loans. The original customer ID contains Account XXXX with loans XXXX, XXXX, and XXXX. After contacting Discover Student Loans about this, multiple times, I was told that they had no idea where this mysterious account came from and they had no record of any such customer ID number and I need to talk to XXXX. However, the letter head and contact info is from Discover Student Loans with THEIR address. I am still in the dark about this additional customer ID number with was created with the incorrect number of loans, then how it mysteriously disappeared, yet my money was applied to that customer ID back XX/XX/XXXX. The beginning of a long drawn out domino effect which sent all of my original and true loans into default status. I sent the correct amount for the loans following that, yet I still consistently recieved past due notices of random amounts. When I questioned them about this they said it was n't applied right and I still owed them. I foolishly paid more money, yet have had no resolution. I stopped paying DSL as of XX/XX/XXXX as I do not know where my money is going. They will not sent me an itemized list of payments and how/where they were applied when received by their payment processing center. I was told that I need to get a remittance report from my bank showing I made payments. I even sent them copies of my bank statement as well as images of the checks, with THEIR stamp on the back, and they would not consider that sufficient proof that I was making payments. I not have my account going to collections because I refuse to pay until they tell me what happened with this mysterious account, how it was created, and why no one can give me information about this account. I need help with this situation as I have contacted everyone possible to resolve this with DSL. However, all I am given is a supervisor who will not provide a name of a superior officer of the student loan department. I was told that they do n't really have specific email addresses or contact numbers. Now I understand that the lawsuit is probably making it impossible to get the truth out of this financial institution. This needs to be stopped so they do n't ruin other peoples lives and financial history over their own selfishness to cheat their consumers out of their money.
06/08/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • NC
  • 28311
Web Servicemember
-On XX/XX/2022 I opened a checking and savings account with Discover Bank XXXX -On XX/XX/2022 I sold my home and provided the Discover Bank Checking account as the account that the sale proceeds should be wired to. -On XX/XX/2022 the wire transfer was successful, bringing my Discover Bank checking account to {$180000.00}. -I made multiple point of sale transactions on the account, some ranging up to {$1500.00} without issue. -On XX/XX/2022 I requested an outgoing wire transfer of XXXX via the Discover mobile app. The wire was to a car dealership to purchase a vehicle. I included the vehicle 's VIN in the wire request. After submitting the wire request, I called Discover Bank and spoke with someone in the wire department to verify that I authorized the wire. The representative told me the wire was authorized, and that the funds would be sent out the same day. -On XX/XX/2022 I tried to login to my Discover account to see if the wire had gone through, and I couldn't log in. I was given a message that suspicious activity was detected on my account with a number to call. -On XX/XX/2022 I called the number provided in the message, and the fraud department representative informed me that a business decision was made and my account had been closed. I asked why the account was closed, and she said the only information she could provide was that a business decision was made to close the account. I asked where the money in my account would go, and they said they would mail me a paper check in 60-90 days for the remaining funds in my account, which at the time the account was closed, was around {$170000.00}. -I told the customer support representative that this was unbelievable and that the money in my account was from the sale of my home, and the outgoing wire transfer was to purchase a vehicle for my family. I asked why no one contacted me if they believed my activity was suspicious or fraudulent so I could clear up any concern, and she said that all should could tell me was that a business decision was made to close my account. I asked how my money would be returned to me, and she told me it would take 60-90 days to return my money. -The activity on my Discover account was legitimate and was not fraudulent in nature. And still, Discover Bank closed my account. As a result, I've lost access to the funds I earned from the sale of my home, for up to 90 days. Additionally, I lost the vehicle intended to purchase because Discover Bank canceled the outgoing wire before closing my account. The money I used to fund this account was not fraudulent, I could have easily proven where the money came from ( the HUD from the title company ). If this was their concern, I should have been given the opportunity to provide information as to where this money came from so the bank felt comfortable with me maintaining the checking account. The money I attempted to wire to a dealership was not fraudulent- I wanted to purchase a car for my family. Discover is not a physical bank, so I could not request a certified check- the only option I had was to request a wire.
12/08/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • FL
  • 33308
Web
Discover card claims to offer " Price Protection '' but the service is administered by a third party that is difficult to reach, long hold time, claims to not have access to account information so all information including address, purchase, contact information including email has to be restated to individuals with limited ability to spell and speak English. When contacting XXXX about the issues with the service provider they claim to have no access to claim information including if forms required have been sent The following is the correspondence from XXXX ; Hello XXXX, I understand your concern with the Price Protection benefit on your account, and not receiving the emailed forms. We want to ensure your feedback is heard, and you receive the most accurate response possible. For this reason your message has been forwarded to my attention. I 'll be happy to further assist you today. I assure you that it is n't our intentions to keep these benefits from you or make it difficult to take advantage of the benefit, as we strive to treat each cardholder as equally and fairly as possible while making it easy to take advantage of the benefits on your account. When an email is sent to you, it typically takes up to 72 hours to receive that email. Because this benefit is handled with our specialty team, we are unable to view these details or resend the forms through this line of communication. To ensure that you are fully taken care of, please contact our specialty team at XXXX, and we 'll be happy to further assist you. Thank you for staying on top of your account, and providing us with your feedback. I have forwarded this information to the appropriate parties within our company, and we will review to see if a change in our processes is prudent in the future. Best Regards, XXXX Escalation Manager DISCOVER, CASHBACK BONUS and the other trademarks, logos and service marks used in this e-mail are the trademarks of Discover Financial Services or their respective third-party owners. -- -- -- - Original Message -- -- -- -- Date : XXXX XXXX, XXXX XXXX XXXX Subject : Re : General Inquiry [ # XXXX ] Message : I called the number regarding the price guarantee. I was told I would be emailed several forms for the various items. I never received them. Price guarantee is not why I got the card but because it was offered I tried to use it. Now I find out you make it impossibly difficult to use so it 's basically a worthless benefit. Offering something you have no intention of honoring is outright fraud. It has been over 72 hours and no email. Wasting hours of my time chasing down {$10.00} and {$20.00} price guarantee payments is not cost effective. Calling your XXXX number results in prolonged hold times. I can tell you what will be an efficient use of my time and that will be reporting your fraudulent business practices to the appropriate agencies. Your blaming the lack of fulfillment of your obligations on being unable to see details is the same excuse your specialty department used when filling out the forms that I did not receive in the first place.
06/08/2016 Yes
  • Credit card
  • Advertising and marketing
  • CA
  • 941XX
Web
Hello, Discover has refused to honor the original terms of their promotional offer and has requested that I violate my own health privacy by disclosing the contents of my purchases. I am reporting Discover for 1 ) false advertising with intent to mislead the customer regarding their credit card product ; 2 ) theft of significant cash reward benefits related to the spending I put on the Discover card with the belief that the terms of their promotion would be honored ; and 3 ) for tying their cooperation with the an undue required burden of proof that was not part of the original terms of the offer, and asking me to violate my own health privacy. Background : I opened a Discover card and was approved beginning on XXXX XXXX, 2015. The primary reason I opened the card was because Discover had advertised 10 % cashback rewards for making any purchases using XXXX, a method of transaction. Discover ran the promotion with no conditions requiring that all receipts be preserved, and that all receipts must be submitted to receive the cashback rewards. Discover represented to me and other consumers that the 10 % cashback rewards would be automatically deposited into my cashback balance after spending and paying using the Discover card through XXXX up to a limit of {$10000.00}. With the information from their advertising and promotions, I subsequently spent {$11000.00} on my Discover Card using the method of XXXX. Discover subsequently only provided {$210.00} in cashback rewards, rather than the full {$1000.00} cashback rewards that would have been required under the terms of the 10 % XXXX cashback promotional offer. As a result, Discover did not deposit {$780.00} of cashback into my account. After the company was contacted, the company requested that I send receipts to prove that the purchases were not gift cards. I would like to clarify a couple of items. First, Discover seemingly added this additional condition retroactively into their promotion. Second, I communicated to Discover that the purchases ranged from electronics to medicine/personal purchases, and thus did in fact qualify for their promotion despite the retroactive addition of non eligibility clause for gift cards. Furthermore, Discover did not include in the terms of their promotion that receipts must be kept and sent to Discover for analysis. Several of these purchases were made months ago, and I do not have the original receipt. Furthermore, a significant percentage of the purchases included personal health spending and I informed Discover that I did not want to violate my own health privacy and disclose my healthcare related spending to them. Discover has refused to honor their promotion and has held the cashback amount. Discover has falsely advertised their promotion, caused undue burden on the consumer to provide receipts from months ago, and requested that I violate my own health privacy. Discover should not be allowed to conduct bait and switch tactics and false advertising tactics like this, and should be investigated. I want my cashback missing in the amount of {$780.00}.
10/24/2015 Yes
  • Credit card
  • Late fee
  • DE
  • 199XX
Web
My complaint is with Discover Card. I have been a card holder with them for over 4 years and have never missed a payment, I always pay on the due date and receive email reminders regarding the account. I simply made an oversight on my bill due XXXX XXXX, 2015. I had gone on their website, as normal on the due date and inadvertently, I did not hit " submit '' after entering my payment information. I realized I had made an error the following day and promptly scheduled the payment one day past the due date. I asked them via chat and an email to wave the late fee due to my impeccable payment history. They declined both the requests and advised me of email alerts again which I already have set on the account. I feel they are being unfair because I was an authorized user on my spouse 's discover credit card account that fell behind and he recently had to file bankruptcy due to an under performing business that he shared ownership in. He is listed on my account as an authorized user as well. I am also a former employee of discover and was given a very low fixed interest rate on the account. I feel this is also a factor as about a year ago they lowered my credit line sighting too many balances close to the credit line which was not the case as most of my other creditors raised my limits around the same time without me even requesting increases. The decrease on the credit line also mysteriously got lowered at the same time my spouse 's discover account had fallen a couple payments behind. So I feel that they are using his history and his bankruptcy to treat me unfairly as well. I 'm quite sure they have treated other former employees the same and are using very deceptive practices. They also do n't follow FDCPA regulations because when my spouse 's discover account was in collections they would at times leave more than XXXX message per day on the same phone number which is not in compliance with FDCPA regulations. All I want is a {$25.00} adjustment from a company who makes XXXX of dollars. It is not the monetary value of the late fee that is discerning rather the blatant disregard for a customer of 4 years who has never been late previously. In essence I feel that because of the card act and my low fixed interest rate and their inability to raise the interest rate without just cause, that they are bullying me into voluntarily closing the account as they are not able to make a significant profit off of my credit card account as the operations cost are somewhat equal to the revenue they generate from my account. With ten years experience working in the credit card industry for several of the world 's largest credit card issuers the general rule of thumb is that customers are eligible for a courtesy late fee waver once every 12 months for an open account in good standing. They failed to adhere to the rule of thumb in this case. With these unfair practices I find it hard to see how Discover has a reputation for delivering superior customer service with ratings just behind XXXX XXXX. I do n't intend to sit back and let discover bully me as a consumer.
03/08/2017 Yes
  • Credit card
  • Closing/Cancelling account
  • CA
  • 93306
Web
Three days ago, I decided to write a check to pay the balance of my Discover card for just over {$1200.00}. The payment posted today and I called to inquire why, in three years, my account has never been reviewed for a credit limit increase. The rep placed me on hold, then came back on the line and shocked me by stating my account had been revoked due to a bankruptcy. She explained she has to transfer me to another department. I assured her I have not claimed bankruptcy but she insisted. I was transferred and the new rep, a rather rude young man, asked me incredulously why I would be seeking a credit limit increase since I had filed bankruptcy. I explained to him I had not filed bankruptcy but he was convinced and told me he can not handle bankruptcies and I needed to be transferred to the bankruptcy department. He did as he insisted, despite my objections, and the line rang to a number for which the recorded message indicated they were closed and I would need to call back the following day before XXXX EST. The line then hung up. This was around XXXX PST. I tried calling Discover again but now, when I put in the last XXXX of my social, it simply gave me a number to call and disconnected on me. I called again and the same thing. I decided not to put my social in and simply get to a representative and speak to a supervisor. I reached a supervisor and explained the situation. She then started saying the previous reps misspoke indicating it was due to a bankruptcy but assured me she would call. After nearly 40 minutes on hold, she returned to the line to state I needed to call the other department and yes - they were closed. I exclaimed to her that I HAVE NOT FILED BANKRUPTCY but she could care less. I told her I would not be chasing down department after department to correct their mistake when my account shows in good faith I just paid my balance. I was not in collections and my account has always been in good standing with Discover. I told her I would be calling CFPB about this matter but, her attitude was such that she could not be bothered with my trivial issues. Here I stand now, an account paid off with my calling to wonder why they have not granted the courtesy to increase my account limit and yet I 'm told they revoked my account - on XX/XX/XXXX! Today is XX/XX/XXXX and there 's no letter or other notice. When I originally called in, there was no automated referral to an east coast number ; now there is. They offer no solutions or explanations and the rep readily admits she can not understand why the account was revoked. This will appear negative on my credit report as a revoked account and yet Discover treats me as if I am number, a warm body, occupying a phone line. Please help me to resolve this matter. Discover can not get away with doing this random act of evil to a good standing account holder and then with careless disregard, make me waste my time to chase down various departments only open during inconvenient hours to resolve the issue they obviously created and then to make matters worse, take a hit to my credit report!!
10/25/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MD
  • 21061
Web
This complaint involves an issue that began in XXXX when I was given a lower interest rate for 6 months because I was having trouble paying all of my bills. In XX/XX/XXXX, my Discover card bill increased again. I called Discover in XXXX to ask for help. After many calls and continuing harassment from them, I agreed to a payment plan to start XX/XX/XXXX. I agreed so they would stop with the harassment. I began getting help from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) just after accepting Discovers plan. XXXX informed Discover that I would be working with them. I believed that my payment plan was discontinued after they received the letter from XXXX. I didnt trust Discover so I removed my bank account information from my Discover Card account so the previously agreed upon payment could not be withdrawn from my checking account on XX/XX/XXXX. I was notified that Discover Card had withdrawn {$170.00} from my checking account. They disregarded the fact that I had removed my billing information and told me that they keep billing information even if you delete it in their system. And, it was my fault because I did not formerly end the payment that was arranged- {$170.00} on the first of every month. I requested that the money be refunded to me. The answer was no. I called the Discover Card complaint line on XXXX and spoke with XXXX. He was going to call me after looking into it. No call came and when I tried calling the number again, I got a message stating it is no longer active. The fact that a company keeps deleted bank account information is appalling. When I removed my checking account information I also withdrew my consent. I have had no end of trouble with this company. I reported all of this to the XXXX and Discover blamed me and refused to acknowledge storing my checking account information and withdrawing money. The letter from Discover said it was resolved. Below are the communications with Discover and the XXXX Desired Outcome/Settlement Desired Settlement : Refund None Provided From the XXXX on Wednesday, XX/XX/XXXX Please see attached. Attached Files/Documents XXXX XXXX XXXX XXXXXXXX From the XXXX on Thursday, XX/XX/XXXX Please see attached. Attached Files/Documents XXXX XXXXXXXX XXXX XXXX XXXXXXXX From the Consumer on Tuesday, XX/XX/XXXXXXXX XXXX XXXX Complaint : XXXX I am rejecting this response because : Since Discover card is unwilling to accept responsibility for the previous action which lead to my initial complaint, Sincerely, XXXX XXXX From the Consumer on Wednesday, XX/XX/XXXX Complaint : XXXX I am rejecting this response because : this response fails to address the fact that my checking account information was deleted from my Discover card account. However Discover still withdrew {$170.00} from my checking account. When you delete payment information from a computer system, one expects that it is deleted and not stored for use by that company. When the checking account information was removed I withdrew my permission/consent to use that information for any use by Discover card. Sincerely, XXXX XXXX
11/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 10473
Web
Each month, I pay my Discover card in FULL regardless of the balance. Last month, XX/XX/2021, I checked my credit card balance on both XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, the date my balance is due each month, my online Discover account showed I owed {$1900.00}, so I processed a payment. My closing date is on the XXXX of each month, so on XX/XX/XXXX, before XXXX, I checked my account one last time and it showed I I now had a balance of {$700.00}, so I processed the payment early in the day before the cut off time via the " current balance '' payment feature. Discover only allows you to pay the balance that's reflected on your account ; you're prohibited from paying more than that or else you'll be left with a credit. The " current balance '' option allows you to pay the full amount Discover states you owe. This past week, while reviewing my credit card details on XXXX XXXX, I noticed that Discover had reported to the credit bureau that I had a balance in the amount of {$290.00} in XXXX, which was never reflected on my account prior to my statement closing date. As I said before, I'm very on top of my Discover credit card and student loan payments and have never made so much as a late payment in the nearly 12 years since I first opened my accounts. Discover isn't accurately reporting my balance to me/updating my account in a timely fashion. This is the second time that this has happened. If you review my previous conversation with a Discover rep via the chat function a few months back, the rep admitted that Discover reported the wrong balance to the credit bureaus earlier this year -- I believe it was XXXX -- although I had a balance of {$0.00}. She stated I'd have to reach out to the bureaus to have this fixed. Furthermore, the payments I made in XXXX XXXX are very specific. You can clearly tell that the {$1900.00} and {$700.00} are the amounts that Discover had listed on my account both days because they're not whole balances. For instance, instead of {$1900.00}, why wouldnt I just put {$1900.00} if these were balances I came up with on my own? Instead of {$700.00}, wouldn't I just process a payment for {$700.00}? It doesn't make sense that I'd come up with two very specific amounts unless they were provided to me by Discover. Furthermore, I'm only allowed to pay the balances Discover provides to me ; they don't allow me to pay over that or else I'll be at a negative balance on my account. The {$290.00} was never listed or else it would've been included in the {$700.00} when I made the payments on the XXXX and XXXX. This has caused me a lot of frustration and anger ; Discover 's supervisors are no help. This is the 2nd time within a year that they have made this mistake and affected my credit score. Furthermore, I was charged interest for a balance that wasn't even reflected by the due date or statement closing date, thus, not allowing me to process a payment to cover the {$290.00}. I would like this removed from my credit report and the interest to be reimbursed. I will pursue this further if this isn't resolved.
04/11/2019 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • WY
  • 82001
Web
I received a letter in early XX/XX/XXXXfrom Discover saying they had recalculated my loan terms. Before this letter, on loan ending in XXXX, I had 118 months of payments left, and the monthly payment amount was {$140.00}. With no prompting or reason whatsoever, Discover changed my repayment term on this loan to 22 months, increasing my monthly payment to {$650.00}. Additionally, Discover increased my interest rates on all of my loans ( from 4.5 % on two of them to 4.75 % and from 4.0 % on the other two to 4.25 % ). I have never been a single day late on a payment and did not request that any changes be made to my account. This letter came out of nowhere. I called Discover on XX/XX/XXXX, and was placed on hold for a total of about 25 minutes while the agent claimed she was trying to figure out what happened. Ultimately, she said she would call me back. She called back later and left a voicemail which I returned immediately, only to be unable to reach the original agent. I was again placed on hold for a total of about 20-25 minutes, and the agent ultimately told me the problem had to be sent to " another department '' and said she would call me back XX/XX/XXXX at around XXXX MST. She never called me back. I also sent a message through my secure messaging center with Discover, only to receive a non-response which basically cut and pasted what was written in the letter which increased my monthly payment on loan XXXX from {$140.00} per month to {$650.00} per month, and increased all of my interest rates. My master promissory note ties my interest rates to the prime rate, and the prime rate has not changed since XX/XX/XXXX. After the XX/XX/XXXX rate change, Discover promptly increased my interest rates on my accounts, so the XX/XX/XXXX rate change was already reflected in my account when they again increased my interest rates in XX/XX/XXXX. I asked Discover why my interest rates were changed and they claimed it was because of a change in the prime index rate effective XX/XX/XXXX. There was no change in the index rate in XX/XX/XXXX. Their statement that the prime rate increased was a flat lie. Additionally, last summer, I accidentally made two payments instead of one, and asked for a refund of one payment. Discover misallocated the payment they did not reverse, and it took 3 months for Discover to fix the problem -- and they never reverted my interest rates to the original rate. I believe they did not apply as much as they should have to principal over that time frame, collected too much in interest, and increased my interest rates in violation of the master promissory note. My account has always been kept in good standing, and I did not request or otherwise do anything that should have prompted a change in my repayment term or an increase in the interest rates on my loans. I believe Discover has engaged in fraudulent activity on my account in an attempt to collect more money than is due in interest charges, and to collect far more than is presently due by accelerating the repayment term in violation of the master promissory note.
06/29/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MD
  • 20904
Web
I had XXXX in XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXX XXXX XXXX XXXX for XXXX and a half weeks with my XXXXXXXX XXXX XXXX sometime around the middle of XXXX. I still had my XXXX XXXX XXXXXXXX when I happened upon a statement that showed two separate charges on or around the same day. one was for XXXX and the other was nearing XXXX. I called Discover and tried to communicate but they weren't able to comprehend me on the phone. I waited until I got the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to call them and report fraudulent activity. I was dismayed to find out that they were saying this was a billing dispute as if I am the one who was responsible for sharing my card information. They proceeded with a billing dispute. I called the company that was listed as the vendor and asked them if they could provide me with a receipt, signature, or proof of authorization and they couldn't profer any of that information. I called them back and asked them how they got my information. They couldn't give me an answer. They did tell me that my bank disputed and that the money was sent back. However, months later Discover denied it and sent the money back to XXXX XXXX which I have no affiliation. I then spoke to someone who told me that this should have been a fraudulent charge dispute. They moved it to the fraud department and canceled my card. I once again communicated with XXXX XXXX and asked them if they could talk to Discover who is withholding my money. They said they were going to do their best to get me my money back. They sent me pictures of statements stating that they no longer have that money and that it was sent back to Discover. They also sent me an email stating that their accounting department tried their best to get in contact with Discover but they haven't responded to them about tracking those funds. This has been extremely stressful to have had to deal with this issue for over XXXX yrs while I heal from XXXX XXXXXXXX that was needed after being XXXX by my XXXX XXXX XXXXr which left me XXXX. I have provided numerous documents and even tried to fax more documentation however their fraud department fax machine hasn't been accepting faxes and has been offline for weeks. I had someone tell me that they were going to call me back once the fax machine is up and running and no one has. This should have been resolved years ago. Aside from that their lack of respect and candor when on the phone with me has added to my stress. They are impatient and sometimes rude, I have been hung up on. There have been a few helpful customer service reps but most of them give me the wrong information. I had someone tell me last week that the money was never credited to the right account and I should have my money by now. Another person stated that my account reflects that I was given the money back. All to have someone most recently tell me that they denied my dispute because they can't understand the emails that were sent to them from XXXX where my card was charged even though I always have my card on my person.
03/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • XXXXX
Web
In early XXXX, I was railroaded by an identity theft attack that has resulted in the destruction of my credit file. I first noticed a problem when I was denied for credit and when my credit card was cancelled. Shortly after I began receiving notices from debt collectors. My first attempt to address the matter was to hire a company known as a credit repair service. Months went by and little was done to improve my situation. I began researching how to recover from identity theft which is when I filled out my FTC identity theft report. My FTC report number is XXXX. I printed out all the letters, reports, disclosures, proof of identity and followed every instruction. I mailed out letters to every debt collector, original creditor and all 3 credit bureaus reporting the identity theft to them. My second attempt was to file a police report with XXXX County Sheriff 's Office. My police report case number is XXXX. The results were that most creditors complied with my requests and removed the fraudulent accounts from my report. The credit bureau 's also blocked several accounts such as XXXX XXXX XXXX XXXX and Discover Financial. Over the course of these past 2 years, these accounts have popped up on my credit file multiple times which results in me spending more time printing and organizing letters, postage costs, trips to the post office, etc. They've also reported multiple account numbers at times, multiple entries and sometimes no account numbers at all. After 2 years of this nightmare, I am ready to have peace restored in my life. I recently went for a HELOC loan from XXXX XXXX and was denied because on my XXXX, XXXX XXXX is reporting an account. The underwriter understood my situation but was unable to approve me due to this fraudulent and delinquent account reporting. Discover Financial account number XXXX is reporting on my XXXX credit file. This account was opened in XX/XX/XXXX. They are claiming the balance due as {$21000.00}. No matter how many times I have mailed Discover Financial asking for all documents regarding the account, all receipts, all statements and removal of the account they have ignored me and refused to comply. They sent me 1 packet that had 1 page cover sheet showing a statement balance. That is all I ever received from them. At this point they are interfering and violating my rights under the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX is reporting 2 accounts for me, Account numbers XXXX and XXXX according to what is reported with XXXX These accounts were opened in XXXX and XXXX of XXXX. They are claiming my balances as {$27000.00} and {$30000.00}. They are also reporting 1 of these accounts with XXXX I have never had any account with XXXX XXXX XXXX XXXX and I have never been in the military. I have mailed XXXX XXXX over a dozen times in the past 2 years asking for documentation, receipts, statements and to remove these accounts and they have refused to comply. I have never even received a response. At this point they are interfering and violating my rights under the Fair Credit Reporting Act.
07/10/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • PA
  • 170XX
Web
I am writing to file a formal complaint against Discover regarding a recent experience involving two failed Automated Clearing House ( ACH ) transactions and the subsequent challenges in retrieving the funds. I am seeking your assistance in facilitating a resolution and the return of my funds. The details of the events are as follows : On XX/XX/XXXX, I initiated two ACH transactions, each for {$20000.00} and {$30000.00}, from my Discover savings account to two joint XXXX CD accounts held by my wife and me. Regrettably, on XX/XX/XXXX, we received notifications from XXXX XXXX stating that both transactions had failed. Naturally, we anticipated that the funds would be promptly credited back to my Discover savings account. However, to our dismay, the funds did not reappear even after several days had passed. Upon contacting XXXX XXXX for clarification, I was informed that due to the joint CD accounts being associated with my wife 's profile, only she was authorized to make deposits into them. Consequently, my funds were rejected for deposit. XXXX XXXX attempted to return the funds ; however, their policy prohibited them from doing so, as I, being the sender, did not match the intended receivers ( my wife and me ). They advised me to contact Discover and request an ACH return accordingly. Taking their advice, I promptly reached out to Discover and initiated a dispute regarding the failed ACH transactions. To my disappointment, after conducting their investigation, Discover concluded that the ACH transactions were successful and asserted that they had no grounds to request an ACH return. I relayed this information to XXXX XXXX, but they remained firm in their stance that only Discover could initiate the ACH return. Despite numerous attempts to resolve the matter with both Discover and XXXX XXXX, neither party has been able to provide a satisfactory resolution. This ordeal has left me in an immensely frustrating situation where my funds remain trapped between the two institutions, with neither party accepting responsibility or offering a viable solution. To address this issue comprehensively, I have filed a separate complaint against XXXX XXXX through the Consumer Financial Protection Bureau ( CFPB ). Following their investigation, XXXX XXXX informed me that my funds are currently being held by XXXX, reinforcing the need for Discover to facilitate their return. Consequently, I am now seeking the CFPB 's assistance once again, this time to help facilitate a resolution from the Discover side and ensure the prompt return of my funds. For your reference, I have attached the following supporting documents : 1. XXXX XXXX XXXX response to the issue 2. The email notifications received regarding the failure of the ACH transactions 3. My Discover account statement illustrating the two transactions I kindly request your attention and intervention in this matter to help rectify the situation swiftly. I am hopeful that your involvement will bring clarity to the responsibility for the funds ' retrieval and lead to a satisfactory resolution.
02/04/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • MD
  • 207XX
Web
On XX/XX/2020 I applied for a Discover credit card online for which I had received a pre-approved invitation letter in the mail with some special terms and conditions, and with a special code to be used to start my online application. This invitation was primarily appealing to me because of its 0 % APR on balance transfers for a certain number of months and {$0.00} transfer fee for any balance transfers to be done for a certain number of months after account opening. I wanted to take up on this offer and applied online. During my application, I was asked which accounts I wanted to make a balance transfer from and in what amount. I mentioned three of my existing card accounts with all of which with different transfer amounts. When I filled out the rest of the forms and finished the application, I was prompted with a message saying that 'unfortunately, my application was not approved for which the reasons I have the right to be revealed but I could still get another Discover card if wanted to. ' I said yes and I was instantly approved. Neither I had any information whether or not this counteroffer had the same terms and conditions as the initial card that I was pre-approved for nor was I questioned if I still want to make any balance transfer to this counteroffered card had it had a different set of terms and conditions. A few days later my new Discover card came in the mail. When I opened it I realized that this counteroffered card had a much less favourable set of terms and conditions such as 10.XX % APR on balance transfers, xx % balance transfer fee on each transfer, a higher APR on new purchases etc. When I saw the new terms and conditions I decided not to activate my new card. To my absolute surprise, I received an email from Discover this morning stating that my balance transfer request of {$2000.00} was declined because I had exceeded my credit limit of {$1700.00}. I did not understand how it could be possible to exceed the credit limit of a card that had not yet been activated. When I called Discover, I was told that they went ahead and made a balance transfer from one of three existing credit cards ( XXXX ) those of which I shared the information during my initially pre-approved but later denied application. When I tried to explain to them that I did not know anything about this balance transfer to my counteroffered credit card which had a completely different set of terms and conditions they just said that they were sorry but they could not do anything about it. Furthermore, I also explained that this card had not been activated yet and that I have a grace period to either activate the card and thus by doing so legally acknowledge the acceptance of this account or just return the card and not accept this account, once again they said there was nothing they could do. Even though this balance transfer attempt from my XXXX account is not shown on not even as pending yet, they still refuse to cancel this transaction that is totally against my will. Can you please help me to have Discover to cancel this unjust transaction?
04/07/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • IL
  • 628XX
Web
In response to Discover, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : Discover card account ending in XXXX ( Replacement ) XXXX ( Lost/Stolen ) Consumer Financial Protection Bureau Case No. : XXXX Dear XXXX XXXX XXXX XXXX you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been forwarded to my attention within the XXXX XXXX XXXX XXXX XXXX at Discover. Our records confirm that payments did not successfully post to your account that satisfied your minimum balance due from XX/XX/XXXX to XX/XX/XXXX. As such, your account was correctly reported as delinquent to the credit reporting agencies for XXXX and XX/XX/XXXX. Please see the details to my investigation below. On XX/XX/XXXX, your XXXX statement closed with a minimum payment of {$100.00} due on XX/XX/XXXX. A payment was not received, and your account was assessed a {$40.00} late fee. On XX/XX/XXXX, your XXXX statement closed with a minimum payment of {$250.00} due on XX/XX/XXXX, which included a past due amount of {$100.00}. A payment was not received and your account was assessed a {$40.00} late fee. o The account reported to the credit bureaus as delinquent. On XX/XX/XXXX, your XXXX statement closed with a minimum payment of {$400.00} due on XX/XX/XXXX, which included a past due amount of {$250.00}. A payment was not received, and your account was assessed a {$40.00} late fee. o The account reported to the credit bureaus as delinquent. On XX/XX/XXXX, your XXXX statement closed with a minimum payment of {$550.00} due on XX/XX/XXXX, which included the past due amount of {$400.00}. On XX/XX/XXXX, a payment in the amount of {$5400.00} posted to the account via the internet, which brought the account current. I have enclosed copies of your billing statements from XX/XX/XXXX to XX/XX/XXXX for your personal records. As we can confirm that payments satisfying your minimum payments due were not received by your XX/XX/XXXX through XX/XX/XXXX due dates, we are unable to remove the delinquencies reporting on your account as they are a factual representation of what occurred. Although were unable to remove the delinquencies, an update was submitted on XX/XX/XXXX, to the credit bureaus to fill in any missing or inconsistent information. This included the current balance, last payment date and the date the account was opened. Please allow sufficient time for these updates to take place. This is inaccurate, I attempted to make payments from my bank account however, they did not post as there were issues with discover 's processing system. Instead of acknowledging this issue of what took place they completely ignored my dispute documentation in which I will reattach and only provided my past balance statements which provides proof of nothing. I even have autopay enabled on my credit card which invalidates the response that they have sent to the CFPB. On that note i will readd my documentation and ask for the thorough readiness of this document and to stop this activity asap.
09/30/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • XXXXX
Web
I disputed a charge that was charged to my discover card back on XX/XX/XXXX from XXXX XXXX for three flight tickets. Each ticket was for {$350.00}. This company is out of XXXX and no longer in business. They filed bankrupt in XXXX. The person that contacted me from a company that I thought was affiliated with XXXX was told they did not have permission to charge my credit card. I told them this over the phone and by email. At first they told me that my credit card would not work and then four days later after I told them they did not have permission to charge my card because I knew then they were suspicious they sent me an email saying that my card had been charged and my flight tickets had been confirmed. I called XXXX XXXX who confirmed that these were not XXXX tickets and that I would not be getting on a XXXXXXXX XXXX They said that the company was not in business and they then did a fraudulent form on the tickets and company and told me the tickets were no good. They told me to call discover and dispute it with them so I did but at the time the charges were not on my card yet. That took about two or three days to show up and once they showed up I disputed them. I was told by the representative at discover that they had 30 days to respond back to the dispute and if they did not respond back that it would officially removed from my discover card. The charges were removed completely off my credit card and then four months later discover put them back on there ( XX/XX/XXXX ). I reached out to discover over 10 times talking to different people each time. They could only tell me that SOMEONE, not quiet sure had sent something in to them that I missed my flight so they added the charges back and told me that they couldn't be taking off since they received that. I spend two weeks talking with discover, XXXX, and multiple different airline and agencies across the world trying to figure this out and see who exactly disputed back four months later. Every place I called could give me no information and said they showed nothing under my name or email or phone number. Discover would not try and reach out to anyone to see what was going on. They said they couldn't and that I had to do that. I tried to tell them that the company no longer existed and the phone numbers were non working numbers. All the numbers I tried you could not talk to anyone or they said they were not allowed to give out any information. Discover was no help to me what so ever and did not try to help me. They said they didn't know who disputed it and had no name or number at one point. The numbers that had reached out to me about these flights back in XXXX had no working numbers. I had to go back to emails that they sent me to try and talk to them and they told me they showed nothing in my name. Every time I tried to call them back in XXXX concerning them charging my discover card the numbers did not work so I could only communicate through email and at that time they would call me from a non working number. I am asking that Discover take the charges off of my card.
08/01/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 183XX
Web
I had a service center do work on my vehicle totaling almost {$3000.00}. XXXX included fixing an oil leak, codes from my check engine light and an issue I was having with my traction control light that continued to come on, resulting in loss of power. The service department " fixed '' the issue, only to have my vehicle need to go back into the service center within XXXX weeks for the oil leak that was still happening. After they again fixed the oil leak, my check engine light returned, ultimately resulting in me needing to bring it back in a XXXX time. During that visit I was told the valve cover that they had replaced was not seated properly, causing oil to continue to leak onto my new XXXX sensors. They stated they fixed the valve cover and " cleaned '' the XXXX sensor. They ran the vehicle with no issues. Once I picked it up, I drove it less than XXXX minutes and under XXXX miles when my check engine light returned. Again, the code came back to being my XXXX sensor. I asked for them to replace the valve cover, and the replace, not just clean the XXXX sensor and leave those items in my vehicle so I could verify the work was done. Instead, they did more work to the vehicle stating all these things were missed during the initial diagnostic they performed on visit XXXX. This was ultimately over a holiday weekend when they tried to strong arm me into paying even MORE money or they would not return my vehicle. We ultimately came to an agreement, and I picked up my vehicle after they had it for the XXXX time, for almost a week. I picked it up on XX/XX/XXXX. On XX/XX/XXXX, I checked my oil and to my surprise, there was absolutely no oil on the XXXX. XXXX months later, my car started ticking, and the loss of power/traction control light is still an issue. I tried multiple times for them to fix my vehicle to a better standard, or give me a refund so I could go elsewhere to a competent service department, they have denied, both of those requests. I then disputed the transaction with my Discover credit card with multiple documentation including pictures, timeline of events, screenshots of a supporting video documentation, email records, etc. The person from the company of the disputed transaction wrote a XXXX page paragraph that contained false information and the credit card company stated the transaction was valid. I called the credit card company to inquire about what my next course of action was, the woman I spoke to for XXXX minutes tried to help figure out a way to have the dispute reopened and agreed with everything I was saying until she put me on hold and came back XXXX minute later telling me I was out of luck because the case had been closed. I still have yet to receive a valid explaination of how this dispute was in the favor of the service department it was input against and will continue to dispute it being valid. The service center that did work on my vehicle did not finish the job and has ceased all contact in regards to handling the situation. Discover card assumes no liability on behalf of me being their consumer.
05/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30076
Web
In reference to the following account below : DISCOVER BANK Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXXXXXX Acct # XXXX In accordance with section 602 an of the Fair Credit Reporting Act ( 15 USC 1681 ), " There is a need to ensure that consumer reporting agencies exercise their serious obligations with fairness, impartiality, and a respect for the consumer 's right to privacy. '' I am the consumer, and XXXX are consumer reporting companies. According to 15 USC 6801, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information, '' I have the right to ensure that my private information isn't shared. A financial institution is one that " ( Furnisher information to credit agencies ) is by definition under that designation. According to section 2 of subsection ( a ) of section 604 of 15 USC 1681, " In general, any Consumer reporting agencies may only provide a consumer report under the following conditions : in line with the consumer to whom it relates explicit instructions. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting companies XXXX do not have my consent to provide this information, and they most definitely do not have my written consent. All consents, whether expressed orally, nonverbally, in writing, implicitly, or otherwise, to XXXX ( Furnisher of information to credit agencies ) are canceled. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party without first providing the consumer with instructions on how to exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never made me aware of my option to withhold information. Furthermore, according to 15 USC 1681C ( a ) ( 5 ), " No consumer reporting agency may make any consumer report that contains any of the following items of information, except as authorized under subsection ( b ) Any other adverse item of information, other than records of convictions of crimes that predate the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX does not follow reasonable practices. A consumer may exercise their right to opt out at any time, according to 12 CFR 1016.7. I choose not to use your reporting services and opt out of them.
08/06/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MI
  • 48103
Web
On or around XXXX XX/XX/2022 the Department of Treasury forwarded a complaint I filed against Discover regarding payment processing and billing errors. The correspnding CFPB complaint number is : XXXX. In that complaint I outlined that my mother made an ACH payment authorization to have funds debited from her bank account to pay on my statement. The authorization took place on or around XXXX XX/XX/2022 and was returned with XXXX -- unable to locate. However, I was not notified of this until XXXX XX/XX/2022 when the account was closed. A billing error investigation was conducted in name only. Despite the best efforts of the investigator ( s ) I remain concerned about the methods and practices used to conduct the billing error investigation. The nature of the XXXX error by definition implies that the information transmitted to the financial services institution for direct debit was an issue. That, although the routing number was correct, and the account number was formed correctly, the institution could not match that information and the accompanying first name and last name to an account. This is a distinct error code from XXXX -- NSF, XXXX -- closed account, or XXXX -- invalid account number. When conducting the investigation XXXX XXXX, in Discover Executive Office of Customer Advocacy, conceded that when comparing the supplied account information disclosed with the live agent, he was ony able to match the last four ( 4 ) digits of the account being debited. That is, whomever, and through whatever investigatory process he recieved the transaction information from, it/they provided him only with the last four ( 4 ) digits of the account number to match against the phone-based ACH authorization with a live agent that occurred on XXXX XX/XX/2022. And, althoug he was given the full routing number for the financial servies institution, he was not provided with the first name and last name as keyed into the ACH authorization by the live agent. This is troubling as the error could be on the part of Discover and its live agent. The investigator was not provided with that information. Yet, discover maintains that there was no error on their part. As that is the case, I am invoking my rights under 15 U.S.C. 1693f and requesting reproductions of any and all documents/materials used to substantiate the conclusion that no billing error occurred on the part of Discover. For clarity, 15 U.S.C. 1693f ( d ), " Absence of error ; finding ; explanation, '' states ''If the financial institution determines after its investigation pursuant to subsection ( a ) or ( c ) that an error did not occur, it shall deliver or mail to the consumer an explanation of its findings within XXXX business days after the conclusion of its investigation, and upon request of the consumer promptly deliver or mail to the consumer reproductions of all documents which the financial institution relied on to conclude that such error did not occur. The financial institution shall include notice of the right to request reproductions with the explanation of its findings. ''
02/13/2017 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • MN
  • 55379
Web
Good afternoon I thank you for responding back to my complaint inference to discover account XXXX XXXX I would Like to ask you per The FCRA XXXX ( A ) ( XXXX ) ( A ) AND sECTION XXXX ( A ) ( XXXX ) ( A ) Per the the FCRA I have the right to ask for a copy of the application with My Signed Signature attached It 's a federal Law also If you could provide The cfpb a copy of this document If you are unable to Provide this Information I urge to to remove this account from my credit file XXXX. Disclosures to consumers XXXX XXXX XXXX. XXXX ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer : ( XXXX ) All information in the consumer 's file at the time of the request except that -- ( XXXX ) if the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and XXXX - XXXX U.S.C. XXXX XXXX the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. ( XXXX ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. ( XXXX ) ( A ) Identification of each person ( including each end-user identified under section XXXX XXXX XXXX ) ( XXXX ) [ XXXX ] ) that procured a consumer report ( i ) for employment purposes, during the XXXX period preceding the date on which the request is made ; or XXXX ii ) for any other purpose, during the XXXX period preceding the date on which the request is made. XXXX XXXX XXXX XXXX identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and XXXX ii ) upon request of the consumer, the address and telephone number of the person. ( C ) Subparagraph ( A ) does not apply if - ( i ) the end user is an agency or department of the United States Government that procures the report from the person for purposes of determining the eligibility of the consumer to whom the report relates to receive access or continued access to classified information ( as defined in section XXXX ( b ) ( XXXX ) ( XXXX ) ( i ) ) ; and ( XXXX ) the head of the agency or department makes a written finding as prescribed under section XXXX ( b ) ( XXXX ) ( A
07/19/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • NE
  • XXXXX
Web Older American
I would like to file a formal complaint against Discover Card due to the horrible experience I suffered through today. When I applied to Discover Card last month, I provided documentation requested on the application Discover Card sent me in the mail. Discover Card sent me a card, which I promptly activated although I have not yet used it, and Discover Card has sent me several emails including why they could not agree to the credit transfer amount I requested and another encouraging me to use the card and/or transfer a smaller amount to the card without interest for the next 15 months. Today I received a message on voice mail allegedly from Discover Fraud Department from a different number than what is on my card as Discover Cards number. ( The call was from XXXX XXXX XXXX wanting me to call XXXX XXXX XXXX. ) I called XXXX XXXX XXXX as shown on my card and after provide the computer with my Social Security number, zip code, credit card number and waiting several minutes on hold, I had the misfortune of reaching XXXX. She claimed that I needed to provide proof of my identity by XXXX XXXX XXXX or the Discover Card would be cancelled. I have already provided my information to Discover and while she continued to give me the run around, she refused to transfer me to her manager ( She claimed they did not have any available but they could call me back in 48 hours not acceptable customer service by any standard! ), refused to provide the name of the federal agency that regulates Discover card ( Said that was against company policy ), and refused to provide the name and contact information for Discovers President. I then asked for a copy of the policy in writing, which she also refused. After continuing to refuse any request I made and continuing to give me the run around, she finally hung up on me at about XXXX XXXX Clearly this was some type of fraudulent attempt to harass customers while rudely refusing to provide a reasonable escalation for her incompetence. I then searched the web for Discovers contact information ( Their website does not have any. ) and finally found a number of XXXX XXXX XXXX, which according to XXXX is not a working number. Further searching led me to XXXX XXXX XXXX, which a computer answered as Executive Offices. After selecting prompt 2 and multiple phone system transfers, my call was answered by XXXX. After looking up my account, she claimed that I was part of a review process and that she would get started on my complaint right away and that I should hear back in 5-15 business days. ( Again, this is not acceptable customer service by any reasonable standard!! ) She claimed that she did not know which federal agency regulated Discover Card, but she did finally promise to call me back as soon as she found out. ( At this point, and after being abused today by Discover Card, I have little faith that I will receive a call back. ) XXXX did provide me with what she said was her direct number of XXXX XXXX XXXX, saying that it was a small office and that anyone who answered would transfer the call to her.
06/02/2015 Yes
  • Credit card
  • Credit card protection / Debt protection
  • MD
  • 21224
Web
I have recently learned that my credit card issuer ( Discover ) provided my credit card number and expiration date to a merchant ( XXXX XXXX ) without my authorization. Had I not reviewed my monthly statement in detail, this charge would have been incurred unnoticed. Since XXXX 2015, XXXX XXXX was attempting to automatically renew a subscription for a service purchased a year prior. They were unable to process the charge since my Discover card number changed the previous year ( number was stolen, new card was issued ). I contacted XXXX XXXX on XXXX to expressly request, in writing, that I wished to discontinue the once-purchased service. They acknowledged my request and said that after a time-out period the attempt to charge will cease and my account will reset. However, on XXXX, after apparently XXXX attempts to charge my previous credit card number, Discover provided my new credit card number and expiration date to XXXX so that they could process my transaction. I was never informed of this action. I do not view this as a lapse of XXXX since they considered that the issue would take care of itself once the charge failed to post after several attempts. But I have never heard of a credit card volunteering an individual 's credit card information to a merchant, or anybody, for any reason. I find this disturbing, whether it is under the guise of customer service or not. I have since read, and been informed, that it is part of an " Account Updater '' service that appears to exist between merchants and the credit card issuer. This " Account Updater '' service applies to special " recurring '' charges, although these are not disclosed on monthly credit card statements, and the customer has no ability to opt out of the program. I asked my Discover rep on XXXX to opt me out of the program and to no longer disclose my credit card number to any merchant. I was told that this is not possible. While there may be instances where this type of service benefits consumers, I find it remarkable that the consumer is not directly involved in making this decision. Instead, the agreement is made between a merchant and a credit card issuer. According to my Discover rep, the consumer authorization must be part of fine print agreements when a consumer purchases a merchant 's service, on a recurring basis only. I have not verified this, but I would certainly not agree to anything a merchant puts forth to indicate their ability to obtain updated credit card information other than directly from me. Ultimately the protection and disclosure of a credit card number is an individual 's responsibility and right. As such, this program should begin with the consumer and should exist between the consumer and credit card issuer. The service, and use thereof, should have no bearing on recurring service agreements between consumers and merchants. While visibility and awareness of the program would be a vital first step, I would hope to see a restructuring that permits a consumer, as expected, complete authority of their credit card information.
05/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30087
Web
XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauXXXX XXXX and/or XXXX ) credit report. My latest credit report shows 5 credit inquiries that I did not authorize XXXX XXXXt XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX ( ALL ACCOUNTS ) XXXX XXXX ( XX/XX/XXXX ), 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, nor use my SSN without my consent or permission. LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER IIA 1679c Quick search by citation : Title enter title Section section 15 U.S. Code 1679c - Disclosures U.S. Code Notes prev | next ( a ) Disclosure required Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
06/06/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • DE
  • 199XX
Web Servicemember
The Discover online savings account jointly owned by me and my husband, XXXX XXXX, was fraudulently accessed twice, once on XX/XX/2023 and again on XX/XX/2023. On each occasion the person who accessed our account processed a wire transfer for {$20000.00} ( XXXX XXXX XXXX ). At the same time someone used all the DiscoverCard points accrued on our credit card to purchase six {$200.00} XXXX XXXX e-certificates. Total dollar loss to us is {$41000.00} That figure includes two {$30.00} wire transfer fees charged us by Discover. On XX/XX/2023, I immediately phoned DiscoverCard Fraud department as soon as I got the first email from Discover informing me of the wire transfer. At first, I thought the email was a scam but initiated a call to Discover just to be sure. The Discover employee I spoke to assured me there were no wire transfers showing on my account and felt the email to be a scam. They also declined my offer to forward the email to their security department -- saying it was not necessary. Later that same day a second email from Discovercard was delivered to my email inbox and it said essentially the same thing. At first I thought it was just a second attempt at fraud since I had not replied to the first email. But, just to be sure, I phoned DiscoverCard Fraud department again. As a result of that second call to them they did acknowledge that there had indeed been two wire transfers made from our savings account. An employee named XXXX on their Wires Team filed a dispute regarding those transfers and also changed the account number on our savings account. He suggested it would take two weeks to process the dispute and get any information back. I changed both my ID and password and then made another call to Discover, trying to determine how our account had been accessed so I could take any further steps available to protect the account from any further fraud. I have spent 3 days on the phone being transferred to one department after another, just to be told that department had nothing to do with my situation only to be transferred again. On just one day I was transferred and re transferred, speaking to eight different Discover employees. What Discover has done for me so far is to file that we a dispute the transactions. They also said they would, as a courtesy to us but not anything that they were required to do, send a request to the two banks the funds were transferred to asking that the funds be returned. Based on all the conversations I have had with Discover I believe that, as far as Discover is concerned, the only hope we have of getting our money back is if the receiving banks return the funds. This situation has been made much worse by Discover 's employee giving me the wrong information on my initial call and since then I have experienced stonewalling, 'that 's not this department, I have to transfer you ' again and again. They will provide me with almost no information about the transactions including XXXX codes or IP addresses, information without which I can not file a XXXX complaint with the FBI.
12/20/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Privacy issues
  • TX
  • 75034
Web
XXXX XXXX XXXX - I reached out to DISCOVER as per their request to have me to close my account if I was not going to provide them with permission to access my tax filings. Neither credit cards has ever been late and my credit score is within the barometer of the Exceptional payment history. Discover has requested that through a 3rd party which is XX/XX/XXXX that they receive access to a XXXXXX/XX/XXXX.. Which allows then all pages of the tax return which I believe is in breach of the privacy policy on many levels and not limited to discrimination. The access to said information on the XXXXXX/XX/XXXX allows for Discover and XX/XX/XXXXto receive every page of the tax filing which can include dependent information along with dependent school ( s ) - assets and many other things .... that should not be made public to a company that has already experienced a major breach. Discover has great customer service - however the protocol is for each one for them to follow. Discover is using XX/XX/XXXXand there is no way to know whatXX/XX/XXXX is doing with the information obtained .. In addition to have provided XX/XX/XXXX with other sensitive information through Discover request approx. 2 years ago ( PHOTO ID AND SS CARD ) identifying documents which can compromise my credit and identity if mishandled. XX/XX/XXXX has gathered and stored copies of the documents and could have created a model to discriminate on information received. The government issued photo identification and the social security number and a form for the SS administration to verify said documents. XX/XX/XXXX holds this information and uses it as debt collectors use information ( this is an attempt to collect a debt and any information will be used for that purpose ). Although they are not collecting XX/XX/XXXX uses all the information collected as they choose. If access is not granted, Discover will close the account which has a negative affect on the credit rating that I have built in my adult life. The world knows how important CREDIT RATING is and payment history .... These actions will have a catastrophic affect and effect on my credit rating. I am including this information below as I have completed research on the parent company and the privacy policy with the Dept. of Justice XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) Discover Financial XXXX XXXXpresent ). Each of the above association received tax payer funded bail out money and the latest update was on XXXX XXXX link provided. XX/XX/XXXXlist As a taxpayer and an American citizen ... ..this process that XX/XX/XXXXand Discover have entered is indecent. Discover may report certain information monthly to each credit agency however it is not the information that a full tax filing would consist. in addition there can be no guarantees that XX/XX/XXXX can and will protect said information as they have failed in he past. Has Discover requested XXXXXX/XX/XXXX from .... senators, house speakers, mayors, governors, government employees, doctors, lawyers, CEOs of fortune 500 companies, etc.
09/18/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 93304
Web
I have recently reviewed a copy of my personal credit reports ( XXXX, XXXX and XXXX ) and have noticed numerous mistakes and inaccuracies in which I am bringing to your attention. I had a credit card account with Discover Bank, that unfortunately went into default due to a financial hardship in XX/XX/XXXX. I called on XX/XX/XXXX to Discover Bank -with the propose to resolve this debt because the account is reporting a Balance on my credit reports- I spoke with a representative named XXXX, He told me that Discover Bank just forgiven the debt and sent me a XXXX form, I asked if they are collecting the balance and he said is any balance owe to the Discover Bank and they are no longer collecting the balance. I verified my tax records and I received a XXXX Cancellation of Debt from Discover Bank, and subsequently had to pay the IRS the income tax due on the cancelled debt that Discover Bank reported. I disputed the account with the 3 credit bureaus because they are reporting a balance in my credit reports, but Discover is not longer collecting any balance and forgive the balance of the account, so I don't see the reason why the Credit Bureaus and Discover are reporting a Balance on the account. I have done research on the topic and would like to advise both the Credit Bureau that this issue has been litigated extensively, and that it has been decided numerous times by courts that it is inequitable to allow a creditor to belatedly enforce a debt after it received the tax benefit of the Charge-off, in addition to it being inequitable to require me to report this cancelled that as income on my federal tax return and face tax consequences and STILL hold me liable on the debt. Below, please see all the research I have done in my favor. See : See, e.g., In re XXXX, XXXX XXXX XXXX, XXXX ( XXXX. XXXX. XXXX. XXXX. XXXX ) Discover Bank v. XXXX , XXXX XXXX . XXXX XXXX ( A ), XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX. XXXX ) XXXX XXXX XXXX . XXXX v. XXXX, XXXX XXXX. XXXX. XXXX XXXX ( XXXX. XXXX. XXXX. XX/XX/XXXX ) ( " It would be inequitable ... to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. " ). " is in direct conflict with the Internal Revenue Code and the fact that cancellation of indebtedness income is included within a debtor 's gross income. '' Id. at XXXX. The court further determined that the issuance of a Form XXXX reflects that a financial institution has, in accordance with 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, discharged an indebtedness. Id. at XXXX. I have been advised that you have thirty ( 30 ) days to begin and conclude your investigative procedures. Upon completion, I request to know the name and address of the verifying source along with a description of the process you used in contacting them. Furthermore, I request that you provide me with an updated and revised copy of my credit file reflecting your correction of these errors.
03/10/2016 Yes
  • Credit card
  • Billing statement
  • NJ
  • 07306
Web
DISCOVER CARD SERVICES HAS BEEN GIVING ME MISLEADING INFORMATION ON MY CREDIT CARD ACCOUNT BALANCE AND THEY NEVER DULY RESOLVE ANY ISSUE THEY PROMISED THEY WOULD FOLLOW UP ON. I PERIODICALLY CALL THEIR TOLL-FREE NUMBER AT XXXX AND I GET ROUTED TO DIFFERENT DEPARTMENTS WITH MISLEADING INFORMATION. THEY ARE RIPPING ME OFF WITH THE INACCURATE BALANCE ON MY BILL WHEN I CLEARLY EXPLAINED TO THEM THAT I AM NOT FINANCIALLY RESPONSIBLE FOR FRAUDULENT CHARGES ON MY ACCOUNT AS I HAVE BEEN THE VICTIM OF INTERNET FRAUD, ON WHICH I WAS ABOUT TO FAX OVER DOCUMENTS TO THEM. THEY CLOSED MY ACCOUNT WITHOUT INFORMING ME OF SUCH ACTION WHEN I CALLED THE PAYMENT CENTER IN OHIO AND TOLD THEM THAT I WILL BE MAKING PAYMENTS ON THIS ACCOUNT TO TAKE CARE OF CHARGES INCURRED EVEN THOUGH I CLAIMED THAT I AM NOT RESPONSIBLE FOR SOME PAYMENTS POSTED ON THE ACCOUNT THAT WERE ALLEGEDLY RETURNED. DISCOVER IS TAKING SOME ADVERSE ACTION TO RIP ME OFF AND CAUSE EMOTIONAL DISTRESS BY OVERINFLATING THE CURRENT BALANCE FROM {$2800.00} ( THE PAST BALANCE IN XX/XX/XXXX ) TO {$6200.00} WHICH THEY ARE INACCURATELY REPORTING TO THE CREDIT BUREAUS TO CAUSE ME SIGNIFICANT FINANCIAL HARM AND EMOTIONAL DISTRESS WHEN I HAVE CLEARLY EXPLAINED TO THEM THAT WHATEVER PAYMENT WAS RETURNED UNPAID ON XX/XX/2016 ( {$3500.00} ) WAS NEVER CREDITED TO THE ACCOUNT AND WAS NEVER DEBITED AT ALL. I RECENTLY MADE A PAYMENT ONLINE ON THIS ACCOUNT IN THE AMOUNT OF {$36.00} AND APPLIED THE CASH REWARDS BALANCE OF {$12.00}, FOR A TOTAL OF {$49.00}, ANOTHER OVERINFLATED MINIMUM PAYMENT DUE AS A RESULT OF THE OVERLY INFLATED AND INACCURATE CURRENT BALANCE FOR XX/XX/XXXX. I WAS INFORMED BY DIFFERENT AGENTS I SPOKE TO THAT THE CASH REWARDS BALANCE WOULD BE APPLIED TO MY MINIMUM PAYMENT DUE WITHIN 2 DAYS FROM XXXX XXXX, A DAY BEFORE THE DUE DATE OF XXXX XXXX FOR THE CURRENT BILLING CYCLE. HOWEVER, WHEN I LOGGED INTO MY ACCOUNT ONLINE, THE WEBSITE REFLECTS THAT DISCOVER HAS NOT APPLIED MY CASH REWARDS BALANCE TO MY MINIMUM PAYMENT DUE LIKE THEY SAID THEY WOULD. I WAS EVEN INFORMED THAT THEY WOULD WAIVE ANY LATE FEES I WOULD HAVE INCURRED BECAUSE OF SUCH TECHNICAL ERRORS THAT THEY HAVE BEEN HAVING ON THEIR WEBSITE. THE AGENTS I SPOKE TO CONSISTENTLY TOLD ME THAT THEY HAVE BEEN HAVING PROBLEMS WITH THEIR WEBSITE AND THEY CONSISTENTLY APOLOGIZE FOR THEIR MISTAKES BUT NEVER FOLLOWED THROUGH WITH THEIR PROMISED AND PROPOSED COURSE OF ACTION AIMED TOWARDS A RESOLUTION OF MY PROBLEM. NOW, I AM HAVING PROBLEMS WITH MY CREDIT REPORT BECAUSE OF INACCURACIES PERTAINING TO MY DISCOVER CARD ACCOUNT 'S CREDIT BALANCE WHICH THE CUSTOMER SERVICE AGENT HAS NEVER BEEN FORTHCOMING AND EFFICIENT ENOUGH TO RESOLVE. I CAN NOW FIRMLY AND AFFIRMATIVELY STATE THAT AFTER 30 CALLS I PUT IN TO DISCOVER CARD CUSTOMER SERVICE DEPARTMENT LOCATED IN DIFFERENT STATES, THERE IS NO CONSISTENCY, ACCURACY, DUE DILIGENCE AND TRUTHFUL REPRESENTATION OF FACTS FROM THIS CREDIT CARD COMPANY. THEY ARE UNSCRUPULOUSLY AND INTENTIONALLY CAUSING ME INTENSE EMOTIONAL DISTRESS WITH THE WAY THEY ARE ADVERSELY IMPACTING Y CREDIT.
09/05/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NV
  • XXXXX
Web Servicemember
Summary - All my credit cards went to Past Due/ Charge Off/Closed/ Collection statuses for no fault of mine.I never had any derogatory marks on my credit score/history in the past but, unfortunately in the past couple months everything changed and started receiving collection notices. One of the company named " XXXXXXXX XXXX XXXX '' approved me a special purpose loan and promised in the agreement that they will take care of all the credit card debt I owe to the banks.As per the agreement each month I have to pay " XXXX XXXX '' a low fixed interest rate for all the debt I owe to creditors ( The payment includes the total Credit Debt $ + Lower interest rate ). I was asked NOT TO PAY a single Penny to credit card companies from the day I signed the agreement with XXXX XXXX XXXX as they are taking ownership of the debt. Once I signed the agreement I started paying 600 $ + to this company every month from XXXX/XXXX/XXXX. I did make the payments to this company for almost a year but, it never paid a single penny to the creditors. I did follow up with the company asking the status and I was always told that the debt validation is in progress and takes some time. Recently, the company was sued for fraudulent claims and promises and all the website info, contacts no longer exists. I have no clue whom to contact and how to get this resolved. ( Reference Link - https : XXXX ) For all this time as the company " XXXX XXXX XXXXXXXX XXXX never made any payments to the creditors, creditors started reporting it to credit bureaus and now all my accounts are in collection phase. I called the banks/creditors and tried explaining the situation but, they said they have no alternatives except the collection of the " DEBT ''. This made me go into financial crisis. I have no clue what to do and how to proceed. All this happened for no fault of mine. I want all the collection notices, derogatory marks on my credit report to be taken off. I even disputed the credit reports with all the credit bureaus but, no good happened everything was same and no changes made. I want Creditors/Banks and credit bureaus to consider my case and remove all the derogatory statuses from my credit report that got reported from XXXX/XXXX/XXXX. I also want my money back that I paid to this company " XXXX XXXX XXXXXXXX ''. I also want XXXX XXXX XXXXXXXX to clear off the debt as promised and also compensate me with some $ for all the damage happened to me. I am a credit cards fraud victim now. I want to be compensated and also want to be part of this case as a victim. I have no further updates on this case. I am not sure if I am already part of this case. If no, I want to be part of this case. https : XXXX If I am required to pay the debt to creditors, I want to wait till the final hearing of the case. I also need the Banks to provide me enough time to pay the debt off considering the total debt/total credit cards. I also request the Creditors/Banks to take off all the interest, fees and fines added on and after XXXX. DISCOVER CREDIT CARD
10/07/2015 Yes
  • Credit card
  • Closing/Cancelling account
  • CA
  • 90803
Web
After being a Discover Card holder for more than a decade, I received an email dated XXXX XXXX, 2015 stating that, " As a result of a recent review of the Discover card account referenced above, we have suspended your account and it will be closed within 30 days from the date of this letter. This action will be taken for the following reason XXXX XXXX ) : Inactivity on your account XXXX XXXX ). " The letter states that should I have any questions regarding the actions taken on XXXX my ] account to contact Discover at XXXX. Upon receiving the email, I contacted Discover and was told by the CSR and her supervisor that my account -- contrary to what the email stated -- had already been closed. " Why, '' I asked, " would you have already closed my account when I had just today received a notice from you telling me that the account would be closed within 30 days from the date of the letter? Why even send the letter if the account was already closed and there is 'nothing you can do about it '? " It is my contention that this was a punitive action on the part of Discover as " maintaining '' a zero balance account in a computer database costs them nothing. For my part, I communicated to Discover that the elimination of my zero balance against a credit limit of {$10000.00} would adversely affect my credit rating and that this was unacceptable. I was then informed that I was welcome to apply for a NEW account and that my credit report would be pulled for a new line of credit with Discover. I told Discover that this too was unacceptable as an unwanted credit inquiry can also negatively affect my credit rating. Time and time again I was told that " there was nothing they can do '' and " that I have no other options. " I informed Discover that the reason for my inactivity was because -- after contacting Discover on numerous occasions -- they refused to lower my interest rate from an egregiously high XXXX percent. I have a current FICO score of XXXX and, knowing that I was receiving much, much lower rates on my remaining XXXX card, chose simply not to use my Discover card until such a time that Discover lowered my interest rate to one that more accurately reflected my creditworthiness. Ultimately, Discover has made a unilateral decision -- based not on my creditworthiness, delinquency or any act on my part -- that has the absolute potential to adversely affect my:1 ) Existing credit rating ; 2 ) The interest rate ( s ) that I am being charged for my existing credit, and ; 3 ) My ability to obtain credit in the future. Discover is in effect blackmailing me use their card when it is my prerogative not to do so ; and furthermore insisting that if I do acquiesce to their demand, that I pay an exorbitant interest rate to do so. I have informed them directly that I will be filing a complaint with this Bureau and will be pursuing legal action against the regarding this matter. It is my intention to have my account reinstated and that my hard-earned credit rating remain unaffected, completely whole and in tact.
06/08/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • NE
  • 68701
Web
Discover closed my credit card after I specifically had a payment plan in place to keep everything on and in good status. They failed and neglected to do so. They have seized my security deposit. They also just sent me a right to cure default letter. I have reached out numerous times and each time has been something different from Discover. Now they have advised me that even if I honor the right to cure default letter that they sent to me that my account will not be reinstated. XXXX is as follows XX/XX/2023 - Spoke with someone regarding my account at Discover. Advised that I was on workman comp and they hadn't paid me. She advised me of different payment methods. I opted for the wiring info and she advised that when I get paid I can call in and get the information. The wire was supposed to be for {$250.00}. Scheduled autopayment was supposed to be stopped. My personal bank account was compromised and she removed the late billing fee XX/XX/2023 - Email from Discover regarding closing my account advised that due to unusual payment activity my account was closed. XX/XX/2023 - Called the customer service center immediately right after that email was sent and asked what can be done because I had a payment arrangement in place to stay any action. Bank account was compromised and had a payment arrangement in effect. Account # ending in XXXX. I had not pushed a new manual payment through. They advised me to call the XXXX dept. at their next time they open. Which I did and the agent was very rude and basically told me " that's tough. We cant and we wont do anything '' XX/XX/2023 - Called back to file a complaint against the agent XX/XX/2023 - Received a letter in the mail that says " Right to Cure Default '' from Discover. I have a photo of it in my Informed Delivery from the USPS. It says that I have until XX/XX/XXXX to cure the default by paying the past due amount of {$92.00} XX/XX/2023 - Called Discover and spoke with an agent about everything and she admitted that everything I said is matching up with their records. On the phone with XXXX for over an hour and was advised that I need to talk to billing because there is no way that the XXXX dept. can restore the account. The XXXX rep XXXX advised that I need to talk to billing and find out why a right to cure default letter was sent out to me. She advised that the right to cure default letter had gone out after the account was revoked. She also advised that the letter was to serve as formal notice that the {$92.00} needs to be paid immediately. I asked her exactly what this means for the account in question. If I pay the requested amount listed in the right to cure default letter does this mean that my account will be reinstated? Will I have to put another deposit down? I informed them that because I asked Discover to delete the payment account and stop the autopay that this is Discovers fault because I did my part as a consumer and arranged for payment to be fulfilled. !!! I also have all of the calls between Discover and myself recorded on video!!!
07/26/2015 Yes
  • Student loan
  • Non-federal student loan
  • Getting a loan
  • Can't qualify for a loan
  • MA
  • 02130
Web
I am, as it stands currently, a student at XXXX XXXX XXXX XXXX in XXXX, MA ( at least until they drop my classes come XXXX XXXX ). XXXX is the number XXXX XXXX school in the country and costs close to {$60000.00} per year in tuition, fees and housing. As you can see, financial assistance is in almost every case necessary and I was n't born into a wealthy family. However over the course of my adult life I have taken steps to turn the tides on my family 's financial situation. So, with excellent credit, I had no need for a cosigner when I first borrowed money from Discover Student Loans in XX/XX/XXXX. Now, in XX/XX/XXXX, the only thing that has changed for my credit is the nearly {$80000.00} I have borrowed from Discover to pay for my first two years of school via their self-described student loan program. With less than 60 days before my next XXXX payment is due and after close to two years of financing me, Discover suddenly decided I am in need of a cosigner. For some students this would be a non-issue, but for me it 's a devastating conclusion. None of my friends, family or extended family have been able to get approved through Discover to be a cosigner. Not only that, but they were refused for Parent Plus loans through the university. I have utilized all of my available subsidized, un-subsidized loans and Federal XXXX XXXX options amounting to about {$8400.00} per semester ; and was depending on Discover to finance the balance, as they did in my first year-and-a-half, to cover XXXX 's tuition of approximately {$60000.00} per year. There should be no reason why a student with good credit history, who is only indebted by Discover Student Loans who agreed to lend them money in the first place, should be denied the funds to finish his or her education. With two years left to go for my XXXX degree and this last-minute demand for a consigner, I find myself too late for scholarship deadlines and with no financial options. Without my XXXX degree and the earning power it would provide me, it will be a struggle to even begin to repay the money already borrowed from Discover. I would like to see Discover Student Loans bound by 4-year degree contracts with their clients that state Discover Student Loans can not terminate financing until a degree is completed or the four years concludes, whichever comes first. Regardless of the need for a cosigner, Discover should not be able to plunge a student into debt by trying to renegotiate their contract midway through and without the promise of a degree. Discover has the right to change its policies but should not change things up arbitrarily and suddenly for students who are proven good customers and who they know have no other options. Imagine buying a house or a car and only getting half of the loan necessary so you ca n't actually buy the house or car but still have to pay the bank for something you never actually received. It is bad policy for a financial institution to renege on its obligation to a student halfway through the pursuit of a college education.
10/21/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • WA
  • 98499
Web
Bought a bunk bed for XXXX of my kids as they have outgrown their XXXX bed. Went to bed bunk & mattress for bunk beds, saw 1 and decided to buy it. owner of the company told me that he's going to deliver the bed and install it at my house on Monday XX/XX/2023. My wife was waiting all day and he ended didn't show. call his store and he keep telling us he will deliver it 3 different times and he didn't deliver it. called my discover credit card and the agent told me to keep trying to get in touch with him for a week to resolve the issues, if i'm still not able to resolve it, i can file a claim. on XX/XX/2023, filed initial claim and told discover card that I didn't receive the bunk bed that i paid for and been calling the owner, no respond and in the end decide to file a claim since i never received the bunk bed. On XX/XX/XXXX i called again and find out the initial claim that the agent have done is not correct, spoke to the 2nd agent about the whole issues again, telling him that i tried working with the store for a week and he didn't want to work with me and told me all sales are final and told me i can't get the money amount of {$430.00} back even though he didn't deliver and install the bed for me. The agent told me that he will make the necessary correction and i even ask him whether should i file a police report and write a statement for my side of the story, he said i didn't need to do that. Called for the 3rd time on XX/XX/2023 and this time the agent wants me to get a confession from the store owner stating that the owner didn't want to deliver the item and not refunding me the money. I try to do her way today and stop by the store and spoke to the store owner, he literally laughed at me and told me to get out of his store and threatened to call the cops and put me in jail if i didn't leave the store, since his store is private property. Called and spoke to XXXX from dispute department and she keep telling me that there's nothing much that discover dispute department can do even with a police report and office of attorney general formal complaint, Discover card will not refund me the money that i've paid to the store. The only thing she can do is to file a formal complain about how the way i was treated to corporate, i asked her for the corporate email address or phone number so that I can follow and she said that the executive office doesn't have a direct line or email address that i can call or follow up. She told me I'm more than welcome to call back to Discover Customer service at anytime for an update, which i'm sure if i call in in a week, 2 weeks, 3 weeks or in a month, the dispute customer service agent will tell me a white lie saying that there's no update. I've tried everything that I can think of, I followed Discover card dispute agent advise and i end up with getting more unnecessary issues from it. Pease assist me in resolving this issues as i have tried to resolve it with Discover since XXXX, till now the discover claims department would not do anything except to apologize.
05/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32065
Web
I hope this letter finds you in good health and high spirits. My name is XXXX XXXX. I am writing to you with a request for accommodation regarding my Discover Bank account, XXXX. I kindly request that you consider removing the late payments from my credit report and updating them to " paid as agreed. '' I regret to inform you that I faced severe financial difficulties due to the unforeseen circumstances of contracting XXXX. As a result, I lost my job at that time and was unable to meet my financial obligations, including making timely payments on my Discover Bank account. This unfortunate situation had a significant impact on my ability to maintain a consistent payment history. Moreover, the consequences of XXXX extended far beyond the financial realm. I contracted a severe form of the virus that left me physically and emotionally debilitated. The extent of my illness was so severe that I was unable to take care of my beloved bulldog, who was my loyal companion. Tragically, due to my illness, I was unable to provide the necessary care, and my bulldog passed away. The immense grief and guilt I experienced over his loss plunged me into a XXXX XXXX XXXX XXXX, further hindering my ability to handle my financial responsibilities effectively. I understand the importance of a positive credit history and take full responsibility for the late payments. However, I humbly request your understanding and compassion during this extremely challenging time in my life. I have sought professional help to overcome the XXXX and guilt that consumed me, and I have made significant progress in rebuilding my emotional well-being. Now, I am pleased to inform you that I have successfully overcome those financial hardships and have regained stable employment. I am committed to meeting my financial responsibilities and ensuring timely payments moving forward. Removing the late payment history associated with the period when I was affected by XXXX would greatly assist me in restoring a positive credit standing and rebuilding my financial stability. To support my request, I have enclosed relevant documents, including medical records and veterinary documentation confirming my illness and the unfortunate passing of my beloved bulldog. I hope these documents provide additional context to understand the profound emotional toll and financial difficulties I faced during that period. I sincerely appreciate your time and consideration in reviewing my request. I assure you that I am committed to responsible financial management and will diligently make future payments on time. I am determined to rectify my credit history and maintain a positive relationship with Discover Bank. Please let me know if there are any further steps or documents required to support my request. I would be grateful for an update on the progress of my request and any decisions made by Discover Bank. Thank you for your understanding and for taking the time to consider my appeal. I look forward to your favorable response. Yours sincerely, XXXX XXXX
06/20/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • CO
  • 80027
Web
I'd like to file a complaint about the way Discover ( and likely other companies as well ) displays balance transfer information on their monthly statements. In this particular case, I have two balance transfers, one expiring in XX/XX/2020, and one expiring XX/XX/2020. My complaint is regarding how these transfers are displayed ( or in this case, NOT displayed ) when I log in to my account at www.discover.com. I can see my current balance ( {$2600.00} ), but I can't tell how much of that balance " belongs to '' the XXXX transfer and how much " belongs to '' the XXXX transfer. When I look at my current statement ( excerpt attached ), I can see the amount of those transfers which was subject to interest in the past month was {$3300.00} and {$620.00}, respectively. But obviously the total of those amounts exceeds my current balance since those totals do not reflect payments made. It seems that credit cards companies are being deliberately cagey about how payments were appliedthey could indicate on the statement, e.g., " {$530.00} of your payments were applied to your balance transfer expiring on XX/XX/2020 '' or something similar, but they do not, and therefore there is no way to know the respective remaining balances. So I reached out to Discover 's customer service via chat and asked them how to view the current balances of each transfer via their website. This was their response, verbatim : " Alright, so keep in mind the balance ( s ) disclosed is as of today and does not include interest, any pending charges and/or merchant refunds, and may not include other previous adjustments to your account balance. With that said though, your balance under the Promotional Balance Transfer rate of 0 % expiring on XX/XX/2020 is {$2000.00} and your Promotional Balance Transfer rate of 0 % expiring on XX/XX/2020 is {$620.00}. However you can not see this anywhere on your app or online profile, you would need to reach out to us for accurate balances for your balance transfers. Does this help out? '' The most important part of their response is " ... you can not see this anywhere on your app or online profile, you would need to reach out to us for accurate balances for your balance transfers. '' So they are admitting that there is no way for the consumer to know how much of each balance transfer remains at any given time. If their support people can see the exact balances, then it would be an easy matter for their website to display it as well, with the same disclaimers ( " does not include interest, any pending charges and/or merchant refunds, and may not include other previous adjustments to your account balance. '' ) And yet I suspect they choose NOT to display this info to keep the consumer in the dark about the actual amounts, making it difficult for the consumer to pay off the balance and avoid additional interest. Either the consumer has to overpay, to ensure covering it all, or risk underpaying and then paying high interest on the remaining balance, the exact amount of which remains a mystery.
10/26/2016 Yes
  • Credit card
  • Balance transfer fee
  • NY
  • 10009
Web
E-Mail sent to Discover Bank : Good Evening, Please see chat below. I am very upset. I applied for a credit card with balance transfers of approximately {$8000.00}. I was only approved for {$2500.00} after adding my husband ( copied ) who works for a bank and has a credit score over XXXX and a excellent credit history. We immediately called Discover and asked for an increase to {$8000.00}, so we could still work with you for these balance transfer. We were turned down and told that we have to " prove '' ourselves before asking for an increase. At that time we told the representative that we will not be using this card. We were told quite dismissively " that is fine '' and the call ended. A couple weeks later I received notification that a partial balance transfer was conducted by Discover and I am being charged {$71.00} for it. I already took care of my balance transfer with XXXX. So now I have a credit due to me and I need to get that money back ASAP to pay back Discover. I will not pay the {$71.00} because I told your employee that I would not be using this card. I attempted to resolve this in the chat below, where I was told that not using the card is different than canceling the balance transfer. When I placed my call immediately after getting the approval amount, I made it clear to your employee that I needed {$8000.00} to do my balance transfer. Once turned down, I said that I would not be using the card and I was dismissed. Instead of your employee 's rude response he should has either asked " do you still want to do a partial balance transfer '' or " if you would like to cancel the balance transfer, then you must do the following ... ''. I am a new customer. How am I supposed to know your policy and procedures five minutes after being approved for a card? I am an XXXX attempting to establish my credit. I would have simply cancelled this card, but I was afraid it would negatively impact my credit score, which is why I told your employee that I would not be using this card. Your employee knows Discover 's policy and procedures, not me, and they should have at least made the attempt to work with me as a new customer. This was my first ever dealing with your company and it was not good, and now things are going downhill even faster. I was told on chat that the {$71.00} can not be reversed. So I am being punished for your employee 's inadequate customer service? I would choose to not pay the {$71.00}, but once again I am afraid how it will impact my credit, as an immigrant attempting to establish himself here. So instead, I will make the payment by the due date, if this is not resolved prior. However, I will also send a copy of this message to the CFPB, the XXXX, and any other consumer reporting agencies who may be interested in this story. I will also attempt to contact Discover publicly via XXXX and other social media platforms. As I mentioned to your employee in the chat, I find it very hard to believe that Discover has no way of rectifying this situation. Sincerely, XXXX XXXX XXXX
07/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77077
Web
Company or Organization : XXXXXXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1100.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. Utility Account Opened by the Thief Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$240.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$200.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. Credit Card Opened by the Thief Company or Organization : DISCOVER BANK Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. Credit Card Opened by the Thief Company or organization : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX TOTAL FRAUDULENT AMOUNT : {$0.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. Credit Card Opened by the Thief Company or organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. Credit Card Opened by the Thief XXXXXXXX XXXX XXXX XXXX company or Organization : Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$170.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. Credit Card Opened by the Thief Company or Organization : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$180.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts.
06/18/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • NY
  • 10032
Web
On XX/XX/XXXX, I entered into a program through Discover to help pay my credit card. The agreement was that the card would be inactive for 12 months and I would pay {$100.00} until the end of the year agreement. On XX/XX/XXXX, I reached out to a Financial counselor through a XXXX XXXX center in XXXX XXXX XXXX in an effort to work on my credit. We pulled my credit and started looking at issues to fix. We agreed that I would keep paying one of my credit cards and work with XXXX XXXX to pay down my other two credit cards that I was having a hard time paying. I reached out to XXXX XXXX and set up an agreement. I received word that one of my cards had accepted the agreement but Discover rejected it. I was then called by XXXX XXXX and they stated that they would try again with Discover. I received another call from XXXX XXXX saying that because I was already enrolled in a program through Discover they were unable to add it to my XXXX XXXX account unless I closed it. I felt that I could afford the {$100.00} a month agreement with Discover so, I decided to stay with them and complete the Discover program and re asses when I completed it. On XX/XX/XXXX, I met with my financial counselor via phone to discuss my progress over the last 5 months. He pulled my credit to see the difference from XXXX. Good news, my score had gone up 50 points. Bad news, Discover closed my account with a balance. I was unaware of this, I wasn't notified and I have been in good standing with the program since I started it so I was confused as to why it was closed. My Financial Counselor found that odd as well and suggested I contact Discover. I reached out to Discover and after a lengthy online chat they stated that XXXX XXXX should've told me that my account was closed ( I have the copy of this chat ). That sounded weird so, I contacted XXXX XXXX via chat ( I have a copy of this as well ) and they stated that some credit card companies automatically close the account when they are contacted by an organization like XXXX XXXX and that Discover was one of those companies. I asked why I wasn't informed and they stated that I should've been told. I circled back to my Financial Counselor and he suggested that I reach out to Discover to see if they would reopen my account. Which is what I did. They said, '' I do apologize that you are going through this difficult time, however once the account is closed, it can not be reopened '' To which I responded, " Is that a hard line? No exceptions? '' And, Discover said, '' Yes, we are unable to reopen your account. You are able to reapply for a new card! '' My complaint is, how is it possible that I was not informed that mt account was closed AND how is it protocol that they automatically close an account when contacted by an organization like XXXX XXXX? Especially since I never added that card to my XXXX XXXX account. Additionally, If I am still paying discover, how are they able to " close my account with balance " but not report to the credit companies that I a paying on this card?
05/20/2021 Yes
  • Debt collection
  • Private student loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • IN
  • 461XX
Web
Due to the pandemic, I have been unable to work my second job. As such my Discover student loans fell behind. Recently within the last few weeks, I have secured secondary employment to supplement my income. I had previously made payment arrangements for a single monthly payment that had cleared on XX/XX/XXXX. After this payment was applied it was found one of my loans had a different delinquency from the other loans. As such, when establishing a payment plan to catch up the payments, an additional payment was scheduled to catch up the out lying loan. The first of payment of the plan and the additional payment are scheduled to process on XX/XX/XXXX. While previously setting up these payments and knowing what I could afford my mother and I both would receive nearly daily emails from XXXX claiming to be from Discover and collecting on these loans. It was explained to me that these were system generated emails and after all arrangements were setup the emails would stop. All arrangements were setup on XX/XX/XXXX ; the emails stopped for approximately two business days. On XX/XX/XXXX, the emails resumed. In this set of emails however, the email I received had the balance due and the amount past due transposed from those in the email my mother recieved. To this date, no one at Discover has been able to confirm that these emails infact came from Discover. Because the number listed in the email is listed nowhere on Discover 's site nor seemed to have a connection with Discover from a web search, as someone who previously had their identity stolen I was not comfortable with calling the number listed. As such all communication has been directly through the Discover Student Loan 's primary number. In all communications it was obvious " the left hand didn't know what the right had was doing. '' Stories would change, on one call that lasted over an hour, the agent seemed completely oblivious to the account and payment status. Saying that she had to do some calculations because something didn't look right. After applying the payment on the XX/XX/XXXX, I was able to determine in less than XXXX XXXX that the discrepancy was due to the mismatch in delinquency across the accounts. The majority of representatives have been rude and argumentative in nearly every interaction I have had with Discover. While yes I have been upset, not once have was I ever disrespectful toward the agents. I have spent over 15 years in customer service and for me to become upset regarding interatcations with agents, there is good reason. I make every attempt to remain professional with the agents, however when they flat out lie and are disrespectful, it is to be expected the situation will escalate. Agents should always remember the customer isn't usually upset with them, they are upset with the situation. A customer service professional should be able to de-escalate the situation. Coming back at the customer with arguements and excuses are like putting small puffs of air into a balloon until eventually that balloon just pops.
10/22/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OH
  • 44236
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX , DC XXXX Ref : XX/XX/XXXX Discover Card Charge to XXXX XXXX # XXXX i/a/o {$700.00} ref Complaint # XXXX Dear XXXX XXXX : I am disappointed that Discover Financial Services, Inc. upheld the charge for the above captioned charge. 1. Check-In-Details a. Host states Renters check in on XX/XX/XXXX. This is not correct. b. Renters contact both the Host and XXXX on XX/XX/XXXX via phone. The call was to state the property description was inaccurate. c. Renters never stayed at the property nor received any value for the disputed charge. 2. Cardholder has not received advisement or promise of credit directly from XXXX. a. This is incorrect. Cardholder contacted both Host and XXXX on XX/XX/XXXX. Host stated credit was the responsibility of XXXX and XXXX stated responsibility was the Host. b. XXXX Cancelation Policy, dated XX/XX/XXXX, and obtained via XXXX web site states 4. Minimum Quality Standards, Host Responsibilities and Reimbursement to Guest 4.1 If you are a Host, you are responsible for ensuring that the Accommodations you list on the XXXX Platform are accessible, adequately and accurately described in the Listing description, safe and clean, and do not present a Guest with Travel Issues. c. Prior supporting documentation clearly show the property was not described accurately on the XXXX website. The Host admitted via the two phones calls with the Cardholder on XX/XX/XXXX that the property was in a working class neighborhood and that no photographs of the outside of property were listed on the site. However, the property is listed as a resort property. Again, photographs submitted to Discover by the Cardholder on XX/XX/XXXX show the property is not a resort and further submission of recent crimes in the area ( not disclosed by Host ) affirm the property description was inaccurate. 3. XXXX Cancellation Policy was provided to Cardholder in electronic delivery at reservation. a. This is incorrect. cardholder was not permitted time to review the policy and reserves the right to determine if delivery of such policy is recognized as legal notification by the XXXX of Virginia, State of Ohio as well as federal statutes. b. However, the policy again states that if the property was not accurately described XXXX and Host are required to provide a refund or substitute property mutually agreed upon be the Renter. c. Neither XXXX nor the Host provided this option when contacted XXXX 4. Customer has been an XXXX member for XXXX ( XXXX ) years and accepted the XXXX Terms of Service. a. This is incorrect. Customer has not ever been a member and has never received XXXX Terms of Service agreement. This includes the Cancelation Policy. b. Cardholder failed to contact customer service. i. This is incorrect. Cardholder contacted Host, XXXX and Discover on XX/XX/XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX Discover Financial Services , Inc.
07/14/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • XXXXX
Web
Discover Financial Services failed to provide proof of authority to validate the alleged debt, despite a written request I sent on XX/XX/2021, to produce for my inspection upon demand as required by law, the original ( wet signature ) contract and agreement. They willfully committed fraud and identity theft by obtaining credit card statements to show as proof of a consumer contract. According to 18 USC 1028 ( a ) ) ( 1 ) Identity theft means a fraud was committed or attempted using the identifying information of another person without authority. I never gave Discover Financial Services, or it is affiliates permission or authority to obtain any IDENTIFYING INFORMATION regarding myself. Pursuant to 15 USC 1692 ( c ) ) ( b ) without the prior consent of the consumer given directly to the debt collector, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer. Discover Financial Services via written communication addressed to me on XX/XX/2021, admittedly forwarded my personal information to a third-party company, which is a violation. Pursuant to 15 USC 1692 ( e ) ) ( 10 ) a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ; and, 15 USC 1692 ( e ) ) ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency. Discover Financial Services on XX/XX/2021, sent a written correspondence to me trying to obtain my personal information under the guise of an investigation by a credit bureau manager ; both instances are completely deceptive and violations by law. Pursuant to 15 USC 1692 ( f ) ) ( 8 ) a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram. Discover Financial Services repeatedly sent correspondences to me with their company logo on the front of every envelope, which is a complete violation of the FDCPA. Pursuant to 15 USC 1692 ( d ) ) ( 5 ) causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number is a violation by Discover Financial Services. Pursuant to 15 USC 6801 ( b ) ) ( 3 ) protection of nonpublic personal information by Discover Financial Services was violated when they shared my location & financial information with a third-party company. Discover Financial Services has made 14 violations while trying to collect this allege debt from me, and pursuant to 15 USC 1692 ( k ) ( A ) they are liable to me in the amount of {$14000.00} ; that is {$1000.00} for each of the 14 violations committed against.
06/05/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21234
Web
XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, MD XXXX is running a scam where they tell customers they will pick up their vehicle from autobody shop, they let the car sit for days and charge you for those days of car sitting there. Office doesn't pick up phone when you call, it rings off the hook. XXXX XXXX customer service is just as bad, I had to initiate disputes twice with them but no one ever reached out to me to investigate ask for supporting documentation which I absolutely have. Reviewing XXXX reviews of this location there are all 1 star reviews with several attesting to same issues of being charged for days car sat in lot and no one picking up phone ( I included screenshots of 3 such similar complaints which are dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, which shows this fraudulent behavior is gross and ongoing for years ( Text copy and pasted below, as well ). I filed a XXXX report. Snips of reviews from here : https : XXXX XXXX former reviewer : 1.0 star rating XX/XX/XXXX To begin with it took me hold for 30mins to make arrangements to be picked up at the collision center. I only went with them because the insurance company made me. The have the worst service ever. I was told I could drop the car off at the dealer and they would pick it up. They didn't pick the car for another two days which cause me to be charged an additional {$100.00}. former reviewer : 1.0 star rating XX/XX/XXXX I had arranged a month in advance to have a rental car when dropping my car off for repairs. I called them two days in advance to confirm the pick-up time. On the day I dropped off the car, there was no car and they did not pick up my calls after multiple attempts. Apparently this is a recurring incident with them, and I don't understand how they stay in business with their horrendous customer service. former reviewer : 1.0 star rating XX/XX/XXXX I've been trying to call XXXX Customer Service to find out if they have a drop off box ( the answer will impact my work day ) and nothing. I've been calling since XXXX ; my boyfriend has been calling since XXXX ; my brother has been calling since XXXX. It's now XXXX. No one has picked up. There is no voicemail. It rings and rings and rings ... ..am I to assume we can keep the car? Terrible customer service. TERRIBLE! I thought they would be different since they recently ( very recently ... the address is no longer XXXX XXXX XXXX ) moved location to a bigger lot, but it's all the same. They never answer the phone ; they never have the car you sign up for and they keep you forever when you're there because they have to clean the car for you. I honestly think only one person works there. This was the last time. I'm going with XXXX next time. No longer going to bother, but you better believe I'm not paying any additional charges, if they put them on my bill. I dare someone to contact me or respond here. Get your reps to answer the phone ; you're not that busy. This is a joke! I've been calling for over 5 hours ( currently on the line ... ring ring ring ring ).
07/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 63366
Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers ' nonpublic personal information. " ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U. S. Code subsection 1681 s-2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.Code subsection 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX XXXXXXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR subsection 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
03/29/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OK
  • 73034
Web
A " product/service not as expected '' dispute/claim was opened with Discover ( # XXXX ) for just under {$28.00} against XXXX XXXX XXXX XXXX XXXX on XX/XX/21. To-date, the Hotel has outright refused to acknowledge or discuss the matter with me, both during the stay, as well as in the weeks following. Copies of attempted correspondence, showing where the hotel was reading my messages, but refusing to respond, were submitted as additional documentation -- further proving my claim of poor service / no service from the Hotel. The Hotel allegedly sent Discover documentation both irrelevant to the substance of the dispute, but also that contained no valid signature and apparently some sort of contract with the " signature box '' superimposed over the document. It's my position that I never saw or signed this document. Regardless, Discover CLOSED the dispute, and found in favor of the RESPONDENT, never once requiring that the Respondent make a good-faith effort to address my concerns. Discover clearly had knowledge that the dispute was concerning quality of service. Not only does this conduct fly in the face of the cardholder agreement and federal regulations, but IF Discover 's conduct were allowed to stand, it would signal that a consumer has no recourse for not receiving service ordered and paid-for. My position and updated claim is as follows : Discover can not make a decision on respondent 's claim because Respondent has not touched substance matter of dispute as filed by me. 1. Dispute was opened on a transaction involving XXXX XXXX XXXX XXXX XXXX, on the basis of refusal of service entirely. Additional submittals were included, showing where Hotel was actively reading, and ignoring my calls for help. 2. The Hotel never responded to me, either in person or in writing, during or after my stay. In fact, they did not even respond to Discover until AFTER Discover initially decided in my favor ( as a result of Respondent not doing anything about the dispute ). 3. Although the Hotel continued to ignore my complaints of not receiving the service/product ordered, it is important to note that their submittal to Discover treats the claim not as a failure to deliver service/product ordered, but claims they are 1 ) not a party to the dispute, and 2 ) fails to address their conduct with regard to failure to service, despite having paid good and valuable money for such service. 4. Discover erred in closing the dispute, claiming that the dispute was " found to be valid. '' Discover CAN NOT make a decision on Hotel 's submittal as the Hotel has not addressed the substance of the claim : " product/service not delivered as expected. '' Note : it is important to understand that the claim made is/was proper as my claim is directly with the Hotel for their actions and NOT XXXX or any other entity. The {$30.00} charge is the proper avenue to dispute Hotel 's actions as they are the responsible party and the issue at-hand occurred AFTER XXXX had handed the customer over to Hotel for handling.
11/26/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 92647
Web
Hi Sir/ Madam ; My name is XXXX XXXX XXXX This is regarding to my Discover card # XXXX XXXX XXXX XXXX. I moved from XXXX, XXXX to XXXX XXXX, XXXX in the end of XX/XX/XXXX. For the move, I requested 3 different services of XXXX XXXX XXXX on XXXX XXXX XXXX website but I had to cancelled them all because the mover couldn't provide the service that I needed. Those services were : - 1st service # XXXX ( for service date XX/XX/XXXX but I cancelled ). - 2nd service # XXXX ( for service date XX/XX/XXXX but I cancelled ). - 3rd service # XXXX ( for service date XX/XX/XXXX but I cancelled. I forgot to screenshot XXXX XXXX XXXX website for this service but I did with the confirmation email sent to me by XXXX XXXX ). Even though I successfully cancelled all 3 services ( see attached files ) but I was only refunded for 2 services. When I found out about the issue, I filed a dispute with Discover and they gave me a temporary credit back to my Discover card. I thought it could be easily resolved the issue due to I already provided the prove of service cancellation, but however, it posted back to my account after a few weeks. I then contacted Discover again, provided the prove again, and was given a temporary credit again. After about 3-4 weeks, the charge posted on my account for the 3rd time. I spoke with Discover billing department representative on XX/XX/XXXX at XXXX PM XXXX. She advised that I should find another resource for help with the issue or contact the mover. She said that I need to prove that the refund came back to my Discover card ending with number XXXX. She added that Discover has to report about this matter to credit companies. I asked her why Discover doesn't protect me while I am their customer. She said Discover have been exhausted all of its resources. After that, I called XXXX XXXX XXXX from XXXX XXXX XXXX at phone number XXXX on XX/XX/XXXX at XXXX PM XXXX and I was informed that all services show cancelled on their end. XXXX also advised me to contact XXXX XXXX for further support. I right away went on XXXX XXXX XXXX website and sent them an email asking for help but I didn't receive any response or even a receipt of my email. I emailed them to both of their addresses : XXXX ; XXXX. My email to XXXX bounced back. I'm very disappointed that Discover doesn't protect me and the answer of billing department representative gave me was unacceptable. I don't know how to resolve this issue and she was like " you are on your own, I don't know what resource you can find to deal with this problem ''. Please help me! It's very unfair that I have to pay for the service that I didn't use. The amount was {$200.00} and because I just paid off my card so this is the whole balance of the card now. Please note, I was never late even once in terms of any payments in my life. Thank you in advance for your help and I'm looking forward to receiving your response. Regards, XXXX XXXX XXXX # XXXX Email : XXXX Last XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
04/25/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NJ
  • 085XX
Web
this is about t he 100th comp laint about discover i am requesting arbitraiton at their expense as i am alleging disciminatory practices with me. This is the last straw. I am tired of being tracked to superivsors told i have no balance upon which interest is being billed only to get a bill of interest and other.I was told AFTER discover reported me to credit i could get a promo no interest on my card someone would call. Now i am told there is none. This is liken to a predatory loan practice wherein i am being tracked, bulled and being difficult / Bottom line with my overall financial situation i have many legal remeides available. I wont be bullied anymore. I want the promotion. My choice has been to not pay the bill then they report me to credit reporting but the promo of no interest i request is ignored. All CFPB has done is watch my complaints be sent to th e SAME P erson XXXX XXXX who now leaves his name off but still is the sole decision makee who stone walls all my concerns. resulting int he end of 26 YEAR RELATIONSHIP. I will go to court, do what it takes as i currently seek out legal counsel but i will not pay interest be treated differnetly than others, nd be treated as my other complaint indicates like a career disputer. I disputed something and i am treated differently. difficult like i am making it up. I will not stop pursuing no interest on my cards promos there must be. I wont pay interest and i wont have my choice be worse or worser that is pay it becuase dsicover is being difficult or be reported. DO NOT MISSTATE as you have before XXXX XXXX my concerns. I request the person who responds name himself or herself and assist me failrly or i will proceed to protect my consumer rights. No itnerest is being paid on XXXX on XXXX i was told months ago no interest. all is paid which appears to have been inaccurate. there is no money and no way i will pay these fees. i demand to be treated fairly. if on XX/XX/XXXX when i paid XXXX i was told there would be asomeone calling me to offer a promo no interest it never happened. i demand it. and will not stop til i get it. if it mea ns ourt so be it. Discover is prompt in reporting a long good customer who they have totally alienated to credit when i refused to pay XXXX but they wont offer me a promo of no interest. then i will file a lawsuit. but i wont be bullied, discriminated against which i am alleging based on the fact that NO issue has been resolved fairly by an unbiased party yet. Arbitration please or court. Whoever answers this MUST id himself. not XXXX XXXX who seems to mis state my concerns, send what i dont ask for etc. I want what i was told i would get or i want arbitration. then i want ouf of there. I want CFPB to note the concerns have never been resolved and i am absolutely alleging bullying. i have not used any of my cards in months and dont intend to. I would have to be reimbursed my time and upset for how i have been treated. bill interest all you want i want promotions of no interest
06/28/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MN
  • 55337
Web
XX/XX/2022, I received a letter ( and another this month ) telling me that I had to make payment arrangements by XX/XX/2022, or I would potentially get sued for the entire amount. I called to attempt to do so, but they refused to work with me. When I explained my general situation the CSA ( Customer Service Agent ) informed me that I had only 2 options : 1 : Pay $ XXXX/mo or 2. Pay $ XXXX/mo. The first payment would have to be paid by the XXXX, in order to avoid being charged off and further debt would then be collected. This wouldn't be an issue, except for the fact that I can not afford even the lowest option. I explained this, and made a realistic offer for me ( {$25.00} at least until things were less tight financially ). They refused the offer, saying they couldn't accept it, and that payment of at least {$50.00} for the " Hardship Program ''. I said that was unfortunate and gave up. Now, let me explain my situation... It's been a very, very financially rough 7 years. I got divorced 18 mos after my daughter was born, in XXXX. He moved out and from that point, til presently, I became a single parent. On top of that, I was later diagnosed with XXXX and XXXX. It got so bad for me financially, that I had to use cards to help pay my bills. Even with child support ( {$370.00} at the time, {$470.00} now ). Because of the XXXX, I can only work part time. I am working on getting on XXXX for it, because it's getting bad enough that I've had to miss work because of flare ups, which is not typical. But it's a long and nearly hopeless process when it comes to this invisible illness. I have experience in only 2 fields : XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX ( XXXX, XXXX XXXX, etc. ). Neither field offers much for income. I had to work fulltime in my XXXX positions to barely make ends meet. As a XXXX, I can at least make enough to ( barely ) survive on. I currently work XXXX at a XXXX XXXX. I am scheduled XXXX hours a week, give or take, depending on appointments. I make $ XXXX plus very few tips ( XXXX {$2800.00} ). I have no XXXX or medical benefits and rely on public assistance ( all that I qualify for ). My rent alone is {$1400.00}, in fact, the sum of only my main, household expenses is {$2100.00}. That doesn't even include gas or other living expenses. I also have liability insurance to pay for if I want to be covered for when I practice massage, among other things. How am I supposed to pay back my credit cards right now?? Even {$25.00} a month is a stretch for me, but I at least offered that instead of refusing to pay it all together. As I stated at the beginning, they refused and were not even willing to compromise on the payment at all. It was a minimum of {$50.00} or nothing. I am a little upset over this, because their hardship program is useless with such a high min payment, with my income. I want to catch up on as much as I can, but household expenses and bills take precidence. I don't see what is so wrong with this. Yet, here I am. I would appreciate some assistance.
09/22/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • FL
  • 33186
Web Older American
During the Pandemic ( Even though I was not working ) instead of letting my account go into default. During COVID-19 I made an arrangement with DiscoverXXXX Credit Card Company to agree to the following ( 1 ) To stop using my card ( 2 ) Intrest rate was reduced ( 3 ) No late fees would be charged ( 4 ) My payment would be XXXX XXXX each month until paid off ( 5 ) They would open my account again if I made my payments for 12 straight months ( 6 ) DISCOVER DID NOT HONOR THE AGREEMENT TO REINSTATE THE ACCOUNT AFTER THE 12 STRAIGHT MONTHLY PAYMENTS ( 7 ) When my sister passed away in XXXX XXXX XXXXXXXXI had to leave the XXXX to attend my sister FUNERAL. ( 8 ) I had planned to make my payment .once I arrived at my sister home. ( 9 ) The second day after arriving in XXXX my phone was compromised. ( hacked ) ( 10 ) XXXX had to closed my account down. ( 11 ) I was left without a phone which had all my apps and Bill pay on it. ( 12 ) No phone service frozen bank account I was unable to pay discovery for XXXX and was unable to reach then using my sister XXXX phone account as the toll free number did not work from the island.we tried the website information but was unsuccessful. ( 1 ) As soon as I returned to XXXX I contacted DiscoverXXXX and made my payment. They were very understanding and eventually removed the XXXX XXXX late fees that was charged. ( 14 ) I am now back on track, but for some reason they keep adding back the $ XXXX late fees to my bill. ( 15 ) Finally I was successful in reaching a customer service agent who took the time to listen, checked with her supervisor who approved for the XXXX XXXX to be removed. ( 16 ) I was given a final balance after the late fees was removed and that month payment were made. The balance I was given was about XXXX XXXX which would bring my balance to XXXX. ( 17 ) I paid it the following month as I had promised the agent whose supervisor had approved removing the XXXX XXXX late fees. Each month after I had PAID MY FINAL BALANCE OF XXXX XXXX ( 18 ) I have tried for months speaking with different customer service agents at DiscoverXXXX credit cards co. ( 19 ) EACH MONTH AFTER THAT DISCOVERXXXX KEEP ADDING XXXX XXXX late fees to the account already paid off. ( 20 ) DiscoverXXXX also reported my account to the reporting agencies that I have not been paid my account. ( 21 ) This information is incorrect and because of their reporting MY PAID OFF ACCOUNT AS BEING LATE MY SCORE HAVE DROPPED OVER XXXX XXXX ( 22 ) DISCOVERY HAVE BEEN CHARGING ME LATE FEES OF XXXX XXXX EACH MONTH, THEN TURN AROUND AND CHARGES INTREST ON THE DISPUTED LATE FEES STATING AND REPORTING THAT I OWE OVER XXXX XXXX ( which are all DISPUTED late fees ) and keep reporting me as being late ( 23 ) There are no new charges on the card as I had already cut up the card. ( 24 ) EACH MONTH DISCOVERY CHARGES XXXX XXXX late fee plus interest then report my account as being late. ( 25 ) I feel that this type of charging late fees then charging interest on the late fees is wrong.
09/29/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • MN
  • 554XX
Web
Call XXXX : 1. Called Discover bank because their online system notified me that an out of country log-in attempt may have occurred. XXXX. Employee suggested I lock the account without explaining how difficult it would be to regain access to my own funds and account because they couldnt XXXX with XXXX using my cell phone which I could see was listed as a mobile device in my XXXX ( online banking ). Every other bank including XXXX XXXX bank is accepting my mobile for XXXX. Call XXXX : XXXX : XXXX. Called back to figure out how to access my account. Was provided more detail about how I needed to submit both my SS card and ID again since 2 factor authentication was unavailable ( they dont make the review easy as you must wait 48 hours for your documents to be reviewed regardless of your situation per information I was provided ). Call XXXX : XXXX : XXXX. Was informed that I need to access a specific URL webpage to upload my documents. XXXX. Uploaded documents and waited 48 hours to call again. Call XXXX : XXXX : XXXX. I was just informed that I now need to upload the back of my ID. XXXX. Uploaded the back of my ID and was told that I must wait 48 hours again and not given any other option by the bank. Call XXXX : XXXX : several business days have gone by with the end of month approaching ( when bills are usually due ) and now the bank tells me that my ID and SS card and back of ID have a slight blur to them. When asked for faster review options the bank only has fax technology as an option and isnt providing consumers the ability to use secure e-mail or obtain manager access without a process that will take additional days. As of today, XXXX all of my funds will remain locked for at least 48 more hours ( 2 additional business days ). My funds will have remained locked by Discover bank for over XXXX total business days with no option to obtain manager help for receiving a secure e-mail from a manager to get documents to them to review in an expedited manner. This is dangerous for consumers to get caught in Discovers account lock - and the process leading up to the locked state didnt clearly explain the implication if I opted to lock the account from the first interaction with the first employee. On the call on XXXX the employee made the claim that Discover bank just has to be more secure than other banks and claimed they are being more secure than banks that use my number for XXXX XXXX XXXX XXXX XXXX included ) because Discover has only digital banking. However, XXXX XXXX XXXX is only digital in my area in the twin cities, so their argument wouldnt be valid even if they could prove that there is a more secure process in place on the back end where they are scrubbing numbers through whether they are with a major carrier such as XXXX, XXXX or XXXX XXXX XXXX XXXX Whether Discover has a more secure process is up for debate, but they certainly arent implementing methods to enable consumers to access their own money expediently to prove their identity after they lock it up.
08/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • GA
  • 30022
Web Servicemember
I recently applied for Discover Card on Wednesday - XX/XX/XXXX at XXXX and received an Approval Notification stating that I would receive my card within 5-7 Business Days and was Congratulated on the Offer. However, I then received a " bait and switch '' notice on Saturday - XX/XX/XXXX requesting a copy of my Tax Transcripts which Discover Card had XXXX ( Security Breach Firm ) send to my email requesting that I submit a Form XXXX, after they had approved my Credit on XX/XX/2022. Also, my scores took a negative hit on XX/XX/XXXX, after applying for the Discover Rewards Card. Also, this a Discriminatory Practice against XXXX XXXX Americans who are heavily and unnecessarily scrutinized for applying for a Discover Credit Card. This request was very biased and subjective with their random requests. This is an issue because Discover has already verified my Credit and identified other open lines with major companies. So, the " bait and switch '' is an illegal discriminatory practice targeted heavily towards XXXX XXXX Americans. There are other ways to verify a customer versus requesting your Tax Transcripts via a XXXX Form they forced XXXX to send out as their 3rd Party Vendor who has also been sued for Security Breach issues as well. When I called Discover Card on XX/XX/XXXX, after receiving this outrageous and outlandish request which also alludes to FALSE Advertisement and Misrepresentation when applying for Credit that was approved on XX/XX/XXXX, I was threatened by the Customer Service Representative and Discover Card that if I did not turn over my Last 2 Years Tax Transcripts, they would Cancel the card which was enroute and I would not be able to utilize the card. After, I informed them that I would not turn over my Tax Transcripts, based on this biased and blatantly Discriminatory practice which also evades and violates my privacy as U.S.Citizen, XXXX XXXX American Female, and U.S. Veteran, they threatened me again and said they would Close my account, after they had already approved the account on XX/XX/2022. Bait and Switch is against the Law. I only applied to receive a Credit Card and have never had a Credit Card Company request your IRS Tax Transcripts. This is also a typical Stereotype that Discover Card Financial Services has towards XXXX XXXX Americans - implying we don't trust you or believe you are eligible to receive this card, so prove it! '' This Stereotypical behavior is also Biased, XXXX, and Discriminatory. I received the Card and can not use it unless I turn over my Tax Transcripts or the Creditor Discover Financial Services has threatened to Close the account which would further Negatively Impact my Credit Score. This is Wrong and Illegal. You have Negatively impacted me already on XX/XX/2022, after I applied for the Credit and now you want to Negatively Impact a XXXX XXXX American Female who has stated " No, I am not turning over 2 years or any year of my Tax Transcripts to Discover Card for a Credit Card that was already approved on XX/XX/2022. ''
10/24/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NY
  • 10012
Web
I was retreated extremely unfairly by Discover Card and one of their representatives. After XXXX on XX/XX/XXXX, my entire wallet went missing from my purse while I was out with friends. Inside of my wallet, I had my Discover Card, XXXX XXXX, an old school ID, my driver 's license, my insurance cards, my XXXX debit card ( which wasn't activated ). I also had a metrocard in there, along with some business cards and some receipts. On XX/XX/XXXX at XXXX, I received a fraud alert from XXXX XXXX a charge of {$920.00} was attempted on my account at a money transferring service called " XXXX XXXX XXXX '' - I immediately reported it fraud and checked on my Discover Card as well. Sure enough, there is a temp auth of the same mount, {$920.00} on my Discover card. I immediately logged into my Discover account via the mobile app to freeze the account so that the perp can not make any more charges and called Discover Card. I was on hold for a very very very long time before getting someone - I would say 40 minutes or so. When I finally got someone they told me I wasn't liable for the charge- whew! On XX/XX/XXXX, I looked at the Discover statement, and the charge was back on my account! I called them and spoke with a " securities '' rep. She berated me and basically told me that they have determined that this was not fraud, that the merchant supplied my phone number and email address, and questioned me in a condescending tone, " well, if you didn't make this charge, then how could they have your email and phone number?? '' I was shell shocked at that moment! I felt violated both by the perp having access to my personal information and also feeling like I was being interrogated by my own bank representative. She also questioned why I didn't file a police report, and that this whole thing seems odd and suspicious coming from my end. In retrospect, YOU are the fraud department - YOU TELL ME how the perp got my personal info!! Discover rep also questioned why it took me over 30 minutes between freezing my account online and reporting this fraud -- really??? If you didn't have that hold time, I wouldn't need to have waited over 30 minutes! I alerted Discover of this IMMEDIATELY hoping they would block the charge from coming in and was on hold! I have been a Discover card customer since XXXX - for 17 years! I believe I had this particular card since XXXX. I also have a savings account, checking account, a CD and an IRA with them. For a loyal customer of 17 years who has never filed fraud before, this is how they MISTREATED me. The Discover rep also told me that they sent letters to me during their " investigation '' - I never received a single letter of trying to get in touch with me. However, despite not receiving any letter regarding the investigation, I sure received a letter about closing my complaint that says " Upon reviewing the facts of the case, it has been determined that no fraud occurred on your account. You will be responsible for the entire balance on the account ''
04/27/2015 Yes
  • Credit card
  • Other
  • TX
  • 77449
Web
Discover Card XXXX. XXXX XXXX XXXX XXXX, OH XXXX XXXX : Discover Card Account # Ending in XXXX To whom it may concern : This letter serves to clarify matters regarding the Discover Card account ending in XXXX listed on my credit report. Please note that the Discover Card account of which I am now a joint account holder is reported inaccurately. I applied for a Discover card in XX/XX/XXXX and was denied. Later, my former spouse applied and was approved. The account was initially opened by my spouse in XX/XX/XXXX after which I was added as an authorized user. We specifically requested that I be added as an authorized user so that I can be issued a card. We were under the impression that there was no way for me to be on the account as a joint account holder due to the fact that my application was denied. After requesting documents to add me to the account, we spoke with a representative from Discover that explained that although the account may appear on my credit report, I would be added only as an authorized user. The account appeared on my Experian credit report on XX/XX/XXXX with me listed as an authorized user and on the same report ; the same account is listed again as a 'joint with XXXX ' account. Later, the account status changed several times. The account had been paid on time through monthly drafts from my checking account until XX/XX/XXXX. XX/XX/XXXX, I was unable to process a payment and made contact with Discover to attempt to pay on the account. A Discover representative explained that the account was involved in a bankruptcy and that I could not be provided any details regarding the account. It was then that I learned that my ex-spouse had filed for bankruptcy which included the Discover account reported as a joint account at that time. Because of the nature of the bankruptcy filing, I was not permitted to receive any information on the account ; however, the account still appeared on my credit report as an account in good standing with no payment history. Although I had called several times XX/XX/XXXX to inquire about the account, I was not able to receive information or updates regarding the account. XX/XX/XXXX the account appeared as a delinquent account and was reported as being closed in XX/XX/XXXX. I have disputed the information reported on the account with little success. I am requesting that Discover Card investigate the account thoroughly and furnish me with documents that prove that I have authorized Discover Card to add me as a joint account holder instead of an authorized user. I have spoken to a representative who informed me that there is no record in the system of this documentation. If through your investigation, you find that this is the case, I am requesting that you remove me as a responsible party from the account immediately. If you have any questions, I can be reached at .... I can also be reached by mail at ... .. Your cooperation would be greatly appreciated. Thank you for your time and prompt attention to this matter. Sincerely,
09/03/2015 Yes
  • Credit card
  • Delinquent account
  • FL
  • 32751
Web
I was called by a debt collector, the name of which I do not recall, but they made it very clear they were calling " on behalf of Discover Card. '' The call began cordial, and after I informed the woman that I did not have the money to pay at this time and asked to be contacted again in XXXX, she asked for the best way to contact me. I gave her my personal email address and permission to contact me. She then asked me to hold for another person to come on the line to verify the information I had provided. The other person did not verify anything, rather he persisted in attempting to extort money out of me with questions such as " how are you paying for things if you do n't have any money? '' " How are you paying for housing, a car, your cell phone? '' I explained that I was living in a relative 's condo, driving a relatives car, and using a free phone. He then even went so far as to say, after I had explained again I had no extra money, " why are you not acting in good faith? '' They are hardly financial advisors, so I do n't think they are qualified, especially based on their general tactics, to offer me any financial advice, so the questions were nothing more than an attempt to bully and intimidate. Furthermore, accusing me of not acting in good faith, in nothing short of a condescending tone, is most certainly a bullying tactic. Of course I wish I could pay off all of my debts and move on with my life, but I ca n't. The last thing I need in my life is some person being a XXXX and making me feel about as big as a Pomeranian on a foot stool. That 's not going to inspire me to give them anything, and it also borders on illegal behavior, irresponsible and inappropriate at the least. I would have let this go, were it not for one final thing. They informed me they would be reporting back to Discover what I said and ended the call, or so they thought. The line, however, was still going. As I listened I heard them talking about me. They have access to my personal information, and I could hear them joking about me. The manager, or whoever he was, who got on the phone second, had the manners of a pitbull, but I would expect him to have some professionalism and not joke about me after the call was supposed to have ended. Now, I 'm left with the thought that if they 're talking about me after the call, how do I know these individuals with access to my personal information are n't leaving the office and continuing the conversation? I attempted to email Discover directly, but there was no direct contact. Perhaps Discover will be appalled that the company they hired is acting in such an unprofessional way, or perhaps this is what they teach them. I can honestly only think it 's what they teach them, or they have terrible quality control. As I said earlier, I would love to be able to repay my debts, but being treated like this is going to move Discover to the back of the line, and also encourage me to tell anyone who will listen what their standard of professionalism apparently is.
03/22/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 142XX
Web
Discover bank is continually unconcerning and unsupportive of it's customers. I probably won't bank with them ever again after this situation. I called Discover to report my card lost ending in XXXX. I spoke with a representative to review a summary of charges before a new card was to be mailed to my address. A fraudulent transaction of XXXX was charged to my account on XX/XX/XXXX, days after it was realized that it was lost which was XX/XX/XXXX. I spoke to a representative with Discover bank less than 2 months later to cooperate and answer questions about the unauthorized transaction. A week later the transaction was put back on to my account on XX/XX/XXXX. I have an profile/account with XXXX XXXX XXXX in XXXX, NY. My identity/profile was inadvertently used based on the card/cardholder name that was lost and fraudulently used in the transaction of XXXX. My Discover cardholder details/profile is unrelated to the transaction : address : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX email : XXXX, phone number : XXXX. The transactions that were made after the disputed amount of {$4200.00} on XX/XX/XXXX, were for uber. I had recurring payments and my account ending in XXXX linked to my uber ride share account. Rideshare apps can still charge a CC account that is linked to it even if its closed temporarily days later. I did not get any alerts. I was alerted that the transaction was fraud when speaking with a representative over the phone when I reported it lost. XX/XX/XXXX I received an email from an executive from Discover. The email from the executive claimed that support would be provided on my behalf regarding my situation if I were to communicate with them. Days later I communicated by writing a letter to the executive. The letter expressed my rationale for my complaint and my affirmation that the transaction of {$4200.00} is unauthorized/ fraudulent. Unauthorized transaction unrelated and uncharacteristic of my normal spending pattern/history with Discover. You would think Discover would side/accommodate with the cardholder in this situation? NO. All Discover did was re-mail me copy of the old XX/XX/XXXX letter, when I complained on XX/XX/XXXX that transaction was unauthorized. As of now Discover bank has not removed the XX/XX/XXXX unauthorized transaction of {$4200.00} associated with my account ending in then XXXX, and now XXXX. If this unfortunate situation isn't resolved positively by Discover I will end my banking relationship with them forever. I will also vehemently advise family, friends, and associates not to do business with Discover. Why? Discover is unsupportive, unaccommodating, and condescending toward the cardholder/consumer in situations like this. I will do away with the big banks like Discover. The big banks treat the customer/consumer like a just number. A person of insignificancy. The small banks and credit unions have a community relationship and respect the consumer. They will be my go-to in terms of banking business going forward. I'm done with Discover.
09/13/2017 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
  • CT
  • 06108
Web
College : University XXXX XXXX Location : XXXX, CT It has been a nightmare dealing with Discover Student Loans. In XXXX, XXXX, and XXXX Discover Student Loans verbally harassed and disrespected me. They called me early in the morning and late at night, they hung up the phone on me, they took more money from my account than I authorized on numerous occasions, they gave me false information, and while all this was happening interest was accumulating causing my loan to go into default. In XXXX and XXXX they overcharged me on student loan payments. Discover created student debt stress for me by inflating my bills and misleading me about important benefits. I signed up for an Income based repayment plan and they took out more money than I authorized out of my account. They did this multiple times. I had to wait a week just to call Discover Student Loans to find out they did n't even start the refund process even though they said they would so they lied to to me. I ended up waiting an additional 2 weeks for one refund. Once I got the refund it was not the correct amount so I had to wait an additional week to get the correct amount. They stole more money out of my account a second time by taking more money than I authorized them to take. I had to wait another 2 weeks for a second refund. This type of illegal practice subsequently resulted in my private student loan accumulating interest while I was getting abused and ending up in default. Discover never gave me a fair chance at paying off my student loan. I have complained numerous times to CFPB and Discover since XXXX and here we are in XXXX with no help, 4 Years! The loan accumulated interest and got sent to a collection agency/lawyer. Discover Student Loans treated me like I was n't even a human being. I have never felt so disrespected in my life. Discover Student Loans is notorious for Illegal Servicing Practices. I also feel as if race could have been a factor since I have a XXXX sounding last name and this is America! I know how people should be spoken to because I have a long history in customer service. The way I was spoken to, the misinformation that was given to me, the tone that was used during those abusive phone calls, and most importantly there overall practice felt like oppression. My credit is messed up because of this defaulted loan and I am emotionally stressed and my quality of life has been affected. Discover did not provide the most basic functions of adequate student loan servicing for a portion of the loans that were transferred from XXXX including me. I encountered problems as soon as my loans became due and Discover gave me account statements that overstated their minimum payment. Discover denied me information that I would have needed to obtain tax benefits and called me at inappropriate times about my debt. Discover violated the Dodd-Frank Wall Street Reform and Consumer Protection Acts prohibitions against unfair and deceptive acts and practices, and also the Fair Debt Collection Practices Act.
11/30/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • TX
  • 75070
Web
My student loan that was opened originally through XXXX in XXXX. I had good working relationship with them in handling my student loan payments. That loan was sold to Discover around XXXX or XXXX and since have not success with working out terms of my repayment which fit my current situation which resulted in a number of late payments that are showing up on my credit report from these loans. This late payment occurred due to a job loss and was underemployed for some time. I also had a child in XXXX which was an added financial stress along with these student loan debts coming due during the same time. As a result, I struggled to maintain the excessive payments I was told to pay without any regard for the lack of income I had at the time. I was completely unaware and was never educated on when these student loans came out of deferment, and I was never counseled on the options to keep the loan in deferment/forbearance while I seek gainful employment and was only told come up with the money or get reported to the credit agency. After several years of going back and forth with this company, I am finally able to shift financial obligations around in order to get on track with keeping up payments on a regular basis. I am not disputing the fact that these payments were late. I am simply writing this letter in hopes of receiving a good will gesture from Discover. I have worked extremely hard to get back on my feet and repair my credit. I am at a point now where I am attempting to buy a house. Having these late payments on my credit report is making it very difficult for me to get financing for a home. As I said, I understand why these late payments are reporting, but I do not feel that they truly reflect my credit worthiness and my true payment pattern. Things would have been much different if I had been counseled and made aware of my repayment options when the loan came out of deferment. I am asking, as a good will gesture, that these late payments please be removed from all XXXX credit bureaus. I also have an account that was charged off because the payment was a few days late and the company still maintains and collects payment on but is showing on my credit as charged off and no payments are being made. I have taken the time to educate myself on how to avoid this from happening in the future, I have taken responsibility, and I have worked extremely hard at bringing all of my loans current and keeping up a steady pattern of positive payments. I know a lot of borrowers have struggled immensely at making timely payments and settling on fair repayment agreements with lenders over the last few years, and I would like to think that I am in the minority of people who have taken the time and effort to straighten my situation out with little to no help from anyone but myself. Hopefully my efforts will be rewarded and you can see fit to remove these late payments particularly the charge off from the XXXX credit reports as I look forward to a great future for me and my child.
06/28/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • ID
  • 834XX
Web
I am writing to lodge a formal complaint against Discover for their inadequate handling of a dispute involving XXXX XXXX, a web design company. The dispute pertains to charges made on the following dates : {$150.00} on XX/XX/XXXX for logo design, which was supposed to be included in the website design package. {$420.00} on XX/XX/XXXX for hosting services, to which we were denied access. {$1900.00} on XX/XX/XXXX for a complete website design package that was not delivered as promised. We had worked with XXXX XXXX for several months, hoping for a satisfactory outcome. However, after numerous delays and missed targets, it became clear that XXXX XXXX was incapable of providing the services we paid for. When we raised concerns about the missing features, XXXX XXXX attempted to charge us additional fees to complete the work that was already included in our package. Upon our refusal to pay these unjustified additional charges, XXXX XXXX ceased all communication and unlawfully locked us out of our accounts, disabling access to our paid products and our team 's work. In response to XXXX XXXX 's failure to deliver the promised services, we were forced to invest additional resources to independently construct the website. This included the purchase of a new theme and additional tools such as " XXXX XXXX '' and age gate software. Most alarmingly, upon recovery of our work and during our efforts to get our site live again, we discovered that XXXX XXXX had embedded malware into our site code. Our new hosting provider, XXXX, identified 32 suspicious files. This issue was not present prior to the lockout of our accounts, suggesting a malicious act by XXXX XXXX. We are now faced with additional cleanup costs to remove this malware. Despite providing all this evidence to Discover, they have not adequately reviewed the case and have denied further assistance. Discover initially approved the dispute on XX/XX/XXXX, but closed it in XXXX XXXX 's favor on XX/XX/XXXX. When I provided additional evidence to continue the dispute, Discover responded by stating " We've received your request to continue evaluating your dispute. After reviewing the information you provided, we determined that we've already considered this information or it was insufficient and we could not continue the dispute. '' This response does not correlate to a fair review of the information as they could not have possibly previously reviewed the information provided and the information provided showed clear evidence of malice and unlawful actions by the merchant including consumer fraud. In light of these facts, I believe my complaint against Discover 's handling of the dispute is well-founded. The evidence provided paints a clear picture of a financial institution that has failed to adequately review and handle a dispute, resulting in significant disruption and financial loss to our business. I look forward to your prompt response and hope for a swift resolution to this matter. Best regards, XXXX XXXX
04/21/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • NY
  • 12078
Web Servicemember
On XX/XX/XXXX I applied for a Discover card as I had received numerous mailings via US mail from Discover in which a rate of 14.24 % -17.24 % APR was offered on each occasion. I was content with these presented rates and obviously expected the percentages Discover repeatedly offered when I applied. On XX/XX/XXXX I received my Discover card and immediately activated the card while simultaneously discovering that I had been inaccurately given a 19.24 % APR instead of the expected and guaranteed 14.24 % -17.24 % APR! At that juncture I instantly contacted Discover and began the attached discussions with Discover member of management, XXXX in an effort to address this matter to no avail. I was also instructed to transmit images of the recent flyer I received that explicitly offered the 14.24 % -17.24 % APR via electronic mail to XXXXXXXXXXXX and oddly, the flyer and my reasonable request to honor the offer was completely refused. I was then instructed to communicate with Discover Cards corporate offices. The attached documentation forwarded to the corporate offices were transmitted via US Certified Mail, signed for, and ultimately completely ignored. I then called Discover at XXXX per their e-mail request. This telephonic conversation resulted in Discover requesting that I fax them the mailed offers from Discover that guaranteed the 14.24 % -17.24 % APR which I did immediately to fax number ( XXXX ) XXXX. Two days later I had to call Discover again as I received no reply to their requested fax and was told that the reason for this refusal after explaining my circumstances and the NUMEROUS 14.24 % -17.24 % APR offers was that the invitation code was not provided when applying. Where and when was this invitation code supposed to be provided? Most importantly, Discover was OBVIOUSLY comfortable with the repeated APR offers sent to me via US mail over and over again. Since Discover has sent me at least six offers and one XX/XX/XXXX and another on XX/XX/XXXX with the exact same 14.24 % -17.24 % APR being guaranteed, why would any code be necessary??? I just can not comprehend how this has occurred and I definitely can not understand why my rate would change on the day I applied but one week prior and several days later I received these flyers via US Mail explicitly offering the 14.24 % -17.24 % APR. WHAT IS GOING ON HERE? I definitely feel I was LURED into this card with lower APR offers than Discover evidently planned on providing! This is wrong. Finally, I am requesting that Discover please honor the 14.24 % -17.24 % APR REPEATEDLY proposed to me over the past six months. Alternatively, it would be reasonable for Discover to agree to remove all records of this Discover Card including the hard inquiries from the credit reporting bureaus. I know Discover is a good card as I have several friends that absolutely love Discover. I want to LOVE Discover. But I do not need to! Thank you for your time and efforts in amicably resolving this unreasonable situation.
02/25/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MO
  • 64012
Web
In XXXX I took out a discover credit card. I had a small limit that I gradually increased over the next 4 years. Looking at the history I had an excellent payment record. In XXXX when the world got crazy my purse was stolen and everything in it including my id, all of my bank cards, all of my credit cards, my social security cards, car keys, my kids social security cards everything. I started getting messages from XXXX XXXX stating that if I did not return a rented vehicle within a specific amount of time it would be reported as stolen. I knew only one individual who recently rented a car from XXXX during this time and when I confronted her she stated that she made a mistake and thought she was using her husband 's discover card. I did report her to the police but she returned the car immediately after I had confronted her, so she didn't have the car when they went to speak to her and I confirmed with XXXX that they received the vehicle. The transaction still went through on discover when I had a {$1900.00} limit beyond {$5000.00}. Police department told me that I would have to go to XXXX Missouri to file a police report because the crime was committed there. They told me that without the car, nothing could be done and I would either need to take her to court over the bill, or I could resolve it with discover directly by reporting my card as stolen. I was under the impression that I had theft protection and fraud protection through discover. XXXX was not interested 8n helping me because they had already been paid and as far as they were concerned everything was in good standing. I filed with Discover that my card had been stolen. Multiple times they opened a dispute, removed it from my credit for which I resumed payments that were actually owed, only for them to add it back to my credit report. This alone has completely destroyed my credit the medical bills were not even an issue before the drop due to Discover. The stress felt by trying to resolve the issue and severe XXXX arguing with them and XXXX from not understanding why they kept adding it back watching my score destroyed ..... I don't understand how I reported it stolen and there is absolutely no theft protection with this card. I was even willing to pay the nearly {$2000.00} debt that I was supposed to pay because I requested a new card with a new number and was continuing to use my account, not aware of the pending XXXX charge. I had even reached out to XXXX over a {$40.00} transaction I saw on my statement in XX/XX/XXXX and they apologized and refunded that random charge so I thought the issue was fixed because I have never rented a car in my life and thought it was a fraudulent transaction. By XXXX XXXX surpassed my XXXX credit limit with Discover and cost me over {$5000.00}! I'm not paying anything if they're not going to protect me from theft!! They closed the account in XXXX and they're still negatively reporting every month. I'll never trust a credit card company again especially a major one.
10/08/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MN
  • XXXXX
Web
Transaction Date : XX/XX/2020. Three Transaction Ticket in the amount of $ {$1200.00}, {$900.00}, {$900.00}. I purchased these tickets on the date referenced above XXXX to XXXX for a one week vacation. However, due to coronavirus the country of our destination denied entry to all passengers except the citizens of the country and we were told this information at the gate during the boarding in XXXX. However, we spoke with the merchant we purchased the ticket from to provide us with a partial credit or voucher to use for future travel. After many attempts to get this resolved with the merchant, nothing helpful or better resolution was provided, neither a voucher or a credit. I turn my attention to the credit company ( DISCOVER ) to step in and try to resolve this case. I provided all the information and the details to conduct thorough research of this case. After a few days of investigation the company came stating " A decision has been reached for this investigation and we have found that this transaction is valid. You can expect to receive information on this decision to be sent to you via mail or secure message at Discover.com. Please review this information when it arrives for important details summarizing this dispute inquiry. Please notify us as soon as possible if you wish to continue this dispute. When I looked at the documents that were provided by the credit company that were attached to the case, the information, the name and the details in the documents belonged to different passengers. I made a few attempts to explain the situation to the credit company that this case has been investigated incorrectly and none of the details are mine. The credit company stood on their word despite the fact everything they investigated was wrong. I made few attempts to escalate the case to the higher up to look into the case, I have a few times my call being disconnected while on the call with them. They gave me the wrong company information to resolve my case with despite telling them this is not who I dealt with. I have attached the documents they stated they resolved the case with on this complaint so it can be reviewed for investigation. Neither the merchant nor the DISCOVER, whom I thought would probably conduct a reasonable investigation to resolve this dispute did not do their job right. Therefore, this merchant charged me a total of {$3000.00} in my account and thus I will not be responsible for making this payment and I decided to close their account permanently with no intention of having to deal with them again in the future. I have attached all the necessary documents that are needed to be reviewed in this complaint. The reason for filing this complaint was simply because the merchant denied me a voucher and the credit company did not provide reasonable resolution to believe this dispute can be closed. I have attached ticket information from the very first day we purchased the tickets and the same day we were denied to board the plane to be reviewed.
12/15/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33908
Web Older American
I have been trying to resolve a problem with the merchant and Discover credit card company for the past XXXX months. I made a purchase of XXXX drones from XXXX XXXX XXXX, a XXXX company, from an ad on XXXX on XX/XX/2020. The initial purchase for XXXX drones appeared not to go through, as there was no acknowledgement or email, so I ordered, again. I also sent an email to the merchant telling him to please cancel XXXX of my XXXX purchases. The merchant replied with an email, directing me to call a telephone number, which I did, but it appeared out of order. I sent another email telling them it is out of order, and they sent me an identical email telling me to call that same number. I called the number several times over the next several days. I googled the merchant and found horribly negative reviews, making it sound like a scam. I became suspicious, and notified Discover card of the problem I had reaching the merchant. I requested that they not pay the charges. They told me to wait until the charges came through, and then they could deal with it. They did gave me another number to call for the merchant, and it, too, did not answer. I filed a complaint and later received a notice from Discover that they would not credit my card because the charges were valid based on information provided by the merchant. I took a deep breath and sent them the attached letter and emails. After they reviewed the letter and emails, Discover sent me another denial. I couldn't believe it and called to speak with the Dispute department, today, and was told that the only way they could get my money back was to have something showing that the merchant had authorized the return, which wasnt possible since I could not reach the merchant. I had to ask her to repeat herself several times that she said she could not help me further until she receives something from me that shows that the merchant agreed to refund my money. I tried to explain that it was impossible since I couldn't reach the merchant. As a side note, at XXXX point, late in the conversation ( argument ), she told me that the merchant give XXXX days to return the product for a refund. I had notified the merchant the day after the purchase. At another point, Im sure she said that the merchant had agreed to a refund if I returned the product. Once again, I was flabbergasted. I have been arguing for half an hour, and that was all that I really wanted. I told her that was acceptable, but when I tried to address it later in the conversation, she ignored me. Lastly, during my previous conversation with Discover, I told them that the drones were not Blackbirds, as was identified on the advertisement. I told her this was fraud. But when I brought up the issue of fraud, she told me I was not allowed to file a dispute of any kind on the same claim, even for fraud. So we are also dealing with deceptive marketing practices, I would think. Thank you for your time and consideration. I hope to hear from you soon. XXXX
05/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • TX
  • 77373
Web
On XX/XX/XXXX I get an email again letting me know that I have been approved and should be getting a card in the mail within 5-7 days. On XXXX XX/XX/XXXX I received another email stating a new credit injury has been detected and was from Discover. This all happened before I have even received my card in the mail. On XX/XX/XXXX my card came in the mail and stated to call In order to activate it. Right away my husband and I noticed my last name was spelled wrong and I also wanted to add him onto the card. I called the number and asked them if they could change the spelling of my last name because it was spelled wrong and I wanted to add my husband and they told me before they could do that I would be sent an email to fill out a form. While waiting for the form I continued talking to the lady and she told me once I filled the form out they could do the changes or I could fix it on my end by using the website. When I received the email it was a pre filled out form where I inputted my name and then signed but it was odd that it was a IRS form. When I signed and sent it back I called them back to ask about the form. They told me the form was to verify my identity and to make sure what I put on the application matched what IRS had. So, I asked how long does it normally take before they would receive what they needed back from IRS and they stated the time frame is unknown. So, every few days I would call to check in. On XX/XX/XXXX I called to see what the status was they told me that they received the information back on XX/XX/XXXX and that my account was closed. I was confused because I have never asked for them to open the account to begin with and asking why the account was opened if more information was needed? Then I asked them what was still missing that made them close the account? The response I received was that they do see what made them decide to close the account but they can not give me that information. With me asking what was the reason and they are looking at it but can not give it to me did not sit well with me. I asked them if this will be reported to my credit report due to me not even activating the card at all and they stated yes it would be on my credit as a closed account but thats not fair. I was told that it is a disgrace on my end and that there is nothing they can do or I can do about it. This is poor customer service and is fraud to have people get approved and then a injury is put on their credit before they even get the card to activate but then when they call the activate it they have to fill out a form and then wait for the information to get back to them just to find out your account has been closed based on something you cant even know. When reviewing the form that was sent to IRS it asked for the taxes for XXXX year taxes and not even XXXX which would of matched up with the information put on the application to begin with. So, innocence they played us and knew what they did and they are doing it to so many others out there.
05/16/2017 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • NJ
  • 08109
Web
I have been having various issues with my lender, to the point hearing the word " Discover '' makes me want to cry. To start, when my rate changes, it is a vague e-mail in my account inbox. It will not state which of my three loans increased, what the rate change was, when the rate change date was to ensure I was notified within the regulatory requirement, no information at all. I have been told I can call to find out, and then when I do ... I have asked what my minimum payment change would be and the representatives tell me their systems can not figure that out until the new payment is due, and they have no way of telling me. I feel like I should be given all of the information so I can budget accordingly to ensure I can pay. I have used the online calculator for how interest is charged to me, and come up with a different calculation then my statement shows. I called them to discuss that my math was different than theirs and based off of my statement. I was then told it 's based off of their amortization schedule that they do not provide unless called and asked for ... If I did not work with regulatory criteria in my career, I would not even know what they were talking about. I feel like this is unfair and deceptive to borrowers. Nowhere on my monthly statements does, not in any fine print, does it disclose that my interest is not calculated by the interest on my statement, and that it would vary based on this amortization schedule. I know, legally, they have to explain this. They make it extremely difficult to figure out how monthly payments are applied. I will schedule a payment, and then it will no reflect as scheduled on their website days later. I will schedule again, thinking maybe I did n't hit submit ... and then days after the due date, I have been double charged. Then it takes a week to have a payment reversed. I called today, XX/XX/17 because I scheduled a payment last week and it is not reflecting on the site that I did. In the past I was told that maybe MY computer, and not their systems had the issue. So I am not double charged I called Discover to figure this out ... and the representative told me to wait until 48 hours after my due date to schedule to prevent a possible double charge .... so I have to possibly hurt my credit and incrue two more days of daily interest so that I wo n't be unfairly double charged. I am currently being told they can not confirm if the payment that I scheduled will be applied or not. Finally, the customer service here is awful. When I try to work with them they are completely inappropriate. If I threaten to report them I get, " well go ahead '' .... After years of this treatment, and very abusive, deceptive, and unfair acts and treatment, I cringe to give them {$1.00} of my hard earned money. The payments are more basically a mortgage payment. I am working so hard to pay timely and work with them, but at this point I feel like they have got to be completely acting illegally to their borrowers. Please help!
09/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 93722
Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
11/29/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MS
  • 39047
Web
Discover Bank Bank hired XXXX XXXX XXXX XXXX XXXX to collect on a debt allegedly owed by a Mississippi resident. XXXX XXXX XXXX XXXX XXXX became an agent and third party vendor of Discover Bank at that time. XXXX XXXX XXXX is a Kentucky-based law firm with no physical office in Mississippi. XXXX XXXX XXXX issued form letters, which were not signed by an attorney and/or anyone in the Firm. This practice likely results from no attorney review and/or oversight prior to the form correspondence being sent. This suspicion is supported by the fact that numbers and/or amount owed and/or settlement offers varied up and down depending upon them being sent via form correspondence or later in the case by email from an actual attorney. XXXX XXXX XXXX failed to issue the required validation notice. XXXX XXXX XXXX filed a one-page form Complaint, which was deficient as it failed to incorporate necessary attachments. When the deficiency was pointed out, XXXX XXXX XXXX continued to push for a default judgment instead of amending and correcting the Complaint. At hearing, XXXX XXXX XXXX hired local counsel, who stated to the Court he did not have settlement authority. Upon information and belief, XXXX XXXX XXXX does not ever attend hearings- they practice in Mississippi via remote representation using local attorneys who are not given settlement authority. When XXXX XXXX XXXX 's failure to send the required validation notice was raised, XXXX XXXX XXXX did not provide a copy of the notice but continued using the Court system to try to obtain default and/or summary judgment - all while the original Complaint remains deficient and never amended. This action supports the Firm 's failure to have timely sent the letter ( otherwise, why not simply provide a copy? ). XXXX XXXX XXXX 's use of form letters, form pleadings, and bullying tactics to obtain default and/or summary judgment through remote representation is tantamount to abuse of process. XXXX XXXX XXXX 's actions and/or inactions since being hired by Discover Bank are collectively illegal collection practices geared towards obtaining the highest number of default judgments with the highest balance possible but with the least amount of work per case. XXXX XXXX XXXX 's actions and/or inactions since being hired by Discover Bank are unfair, deceptive, and abusive. XXXX XXXX XXXX 's actions and/or inactions since being hired by Discover Bank are designed to confuse the least sophisticated consumer, including many consumers who are unable to hire counsel to represent them. It is probable that the form correspondence and pleadings being used by XXXX XXXX XXXX are being used across Mississippi and Kentucky against unbanked consumers who ( i ) can not afford representation, ( ii ) would not realize what the validation requirement is, ( iii ) and/or recognize a deficient Complaint. Discover Bank is responsible for XXXX XXXX XXXX 's actions and/or inactions as XXXX & XXXX XXXX Discover Bank 's agent and third-party vendor.
11/18/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • OH
  • 44012
Web
Today XX/XX/XXXX, It was brought to my understanding, by way of a customer service rep, that Discover has completely mislead me and intentionally manipulated how my payments are applied to my account during a promotional offer period. I opened my Discover account using a balance transfer promotion of 18 months ( set to expire in early XXXX ). Since I have available credit beyond my initial transfer amount, I have been using my card for daily transactions since they offered a 0 % intro APR thru XXXX XXXX. I make a payment EVERY Monday morning to offset any transactions I made from the prior week. For example, if I made {$300.00} in transactions last week, I make a {$300.00} payment that following Monday to offset the increased balanced on the account. As my intro period is drawing near, I called today to ensure the amount I had calculated as my overage amount ( daily transaction balance above initial balance transfer ) was indeed accurate as I planned to make a payment bringing the " overage '' amount to XXXX. It was on this call that I discovered that EVERY payment that I had made to " offset '' my daily transactions was indeed NOT going to that amount but rather being applied to my initial balance transfer promo that doesn't even expire for another 12+ months. When I suggested to the CSR that essentially, I should have not used the card in ANY form until the balance transfer was completed, she agreed and said that she apologies for this not being explained to me when I opened the account. This entire experience has left me completed frustrated and feeling mislead, manipulated and on the wrong end of deceptive practices by Discover. Had I known that any payment that I made above and beyond my minimum payment would be applied towards a promo that ends 12+ months from now and NOT a promo that ends 30 days from now I would have NEVER used this card in any shape or form. Now I'm left holding a considerable balance subject to a HIGH interest penalty in some 30 days because I was misled by advertising and the poor practices of Discover and because my payments were misapplied. Both the CSR and a Supervisor are both telling me that the payments can not be re-applied to the correct promo, which I believe to be incorrect, based on the fact that I currently work for the largest issuer of private label credit cards in the world and payments are effortlessly re-applied to the correct promo often. I will never use this card again ( plan to cancel the very second my payment posts that brings my account to a XXXX balance ) and NEVER use a Discover product again in my life. Social Media, my family, friends will surely know about this terrible experience that I've had with Discover. I'm completely floored right now that this is happening and that Discover can care less and keeps offering the same slap-in-the-face " talk-off '' that not only doesn't true address my issue but gives NO effort to help resolve and keep what would have been a life-long customer.
08/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • NY
  • 128XX
Web
On XXXX XXXX XXXX I opened a secure credit card with Discover to help build my credit, and was approved on the application. The very next day I contacted the chat and Indicated I made a mistake on the address. I accidentally put the wrong street number, same numbers just incorrect order, the street name, city and zip code was all correct. I was advised wait until the application was approved and the deposit was received and the change of address issue will be simple. On XX/XX/2022 {$200.00} was pulled from my bank for a secured deposit. I then again processed to call discover once the whole process was approved, I was transferred to at least 5 departments in a series of calls that lasted 2days. They told me in order to verify my account and change my address I would have to verify my number and I said fine. However the numbers I provided they stated Could not be verified. I have only owed one US number with a major provider and I stopped using them some months ago, The number I signed up with could not be varied even though it was good enough to verify me to take my money. I told them If I can not change the address on the form my neighbors down the road to my address then I would want back my money. They indicated that refunds are only given by check and that check would be sent to the address on the application. I further got upset because XXXX. I am not getting the service, 2. my money was taken, 3. I could not get a refund as they told me the money that came out of my bank can only be sent to an incorrect address. As a result of Discover to help me and after talking to several agents and supervisors I had to contact my bank. I contacted my bank and told them discover refuses to provide a service for me and i can not get my money back. This was unfair and I would like my money back. The money was pulled on XX/XX/2022 I received back my money. on XX/XX/2022 Discover emailed me to discussed about my account and returned card in the mail. while on the call I asked If i could try to apply for discover card again since the last time I had issues with my address, they indicated yes. I processed to apply and I was denied, I called and asked why I was denied, they indicated that I had an application open even though my account was closed, They have fixed the issue and I can apply gain. In all this process I gave up on discover and was trying to gain another credit card a secured one to build my credit. and because of the fact that discover failed to help me change my account, refunded to give me a refund that would actually go to me and had me applying for their credit card multiple times as the indicated I have the go head has lead to multiple credit card attempts on my report, 2. a closed account on my account even though I have never got a chance to use it. I approached discover to try and build my credit and my experience with them has led to me being worst off and now unable to get any credit card no time soon from any other company.
09/19/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • AZ
  • 85142
Web
I applied for a Discover XXXX XXXX on approximately XX/XX/2023. I proceeded to fill out their on-line application. It presented the term length and interest rates that were available to me based on my initial application and I am assuming the soft check of my credit, and made my choice. After that, I received an email response indicating that they were interested as well and to continue with my application process. I continued the application process at which time Discover proceeded to request that I send in pictures of my social security card, front and back of my drivers license, provide them 3 months of statements of a primary bank account ( which I took as the one where they would see paycheck deposits and mortgage payments ) and to also provide them the account number and routing number of where they would be depositing the loan funds. I proceeded to provide all that information. They did a hard credit check with XXXX where my XXXX XXXX was XXXX and also did a pull from XXXX. My bank cash balances exceed the loan amount by XXXX, my debt-to-income ratio is less than XXXX percent ( 0.12 % ), my other assets exceeded the loan amount by over XXXX and I have minimal debt. They said that everything checked out but that they were denying the loan request due to not being able to validate the phone number I put on the application ( A cell phone number that has been assigned to me for over 20 years ). This initial rejection took place on XX/XX/XXXX. I proceeded to verify there were no blocks on caller id presented to them when I called in and verified that both credit reporting agencies had my cell number registered, as did the bank on the statements that they requested. At no time did Discover try and call me directly, but they had no issues validating me for security reasons each time I called in to them. Even after verifying with them that the phone number I provided was listed with the credit agencies they used and matched the number from which I was calling, they still refused to provide the loan. This final resolution by them took place on XX/XX/XXXX. The fact that they requested account and routing numbers prior to approving the loan is questionable in my opinion as they would not need that info unless they were planning on approving the loan. Also, collecting an image of driver 's license rather than just my driver 's license info seems to serve no other purpose other than collecting an image of my face, including gender and XXXX XXXX. The fact that they denied the loan only based on not validating a phone number that was valid and on the credit reports they pulled borders on an untruth. At the minimum, the process seems to be no more than an exercise for Discover to collect personal information from me and at worst case, is showing unfair lending practices possibly based on gender, XXXX XXXX and/or income and debt levels that don't play into the types of customers that are more likely to make late payments and allow them to charge more.
04/07/2017 Yes
  • Credit card
  • Delinquent account
  • VA
  • 227XX
Web
I fell behind on my monthly payments on my Discover Card account due to some unanticipated expenses. When I was finally in a financial position to make payments again, I contacted them to make payment arrangements. The individual that I spoke offered me a settlement ( the account had been closed ) that would have me paying half the balance owed ( approx. account balance = {$13000.00} ), and as long as the monthly payments were met ( automatic withdrawals they scheduled ) they would credit the other half. At the time I was dealing with my mother 's health issues, and was relieved to have it taken care of. Unfortunately, I neglected to request a written copy of the agreement, and one was not sent to me. Additionally, since the account was closed, I was no longer receiving account statements and I had no access to my account. The payments were withdrawn as agreed though, totaling half of the account balance, and I thought all was well. Several months after the final payment though, Discover Card sent me correspondence stating that I still owed the other half of the balance on the account. I have disputed that, but Discover Card claims that they no longer have the recordings of my conversation with the representative that negotiated the agreement and scheduled the payments. Supposedly deleted after 90 days, even though the payments were scheduled to continue for not quite a year. They claim to have no records about the agreement that I made. The only " notes '' state that I rejected an agreement of {$7200.00} - which they extrapolate to mean that I agreed to pay the total account balance. Who would do that?! When I asked to speak to the individual who negotiated the agreement or his manager, since I distinctly remember the representative putting me on hold in order to get the agreement approved, they claim that information is not recorded in the account. They have sold the debt to a debt collection company, and now claim that the debt collection has " all '' the information about the account. Yet, when I disputed the debt, the debt collection company contacted Discover Card to request the records ( which were just copies of statements that were never sent to me ). I feel sure that there is a record of what actually transpired, either in the representative 's notes or his supervisor 's records, but Discover Card is refusing to provide any information. Are credit card companies required to maintain records of these types of transactions? And how does a consumer with a dispute compel a credit card company to provide all records related to an account? I recognize now that I should have requested a copy of the agreement. Some websites have even recommended not authorizing payments until a copy of the agreement has been received. I did not have that advice at the time, unfortunately. I have had no previous experience with this process, and was experiencing a tremendous amount of stress due to family issues ( and still are ) are my only excuses though.
04/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28227
Web
DISCOVER BANK {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$2100.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXXXXXX XXXXXXXX XXXX {$4000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX - XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$9000.00} POSTED ON XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DISCOVERBANK {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$92000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$2100.00} XXXX XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$4000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DISCOVER BANK {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$92000.00} POSTED ON XXXX XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX$2100.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXXXXXX XXXX XXXXXXXX {$4000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX - XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$9000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$13000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
10/11/2017 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • AZ
  • 85226
Web
I have been dealing with Discover Student Loans since the took over the XXXX XXXX Student Loans. I have had repeated trouble with my accounts. Often they do not reflect the payments made, and I am reported to the credit agencies. At one point I had to send a cease and desist letter to keep them from calling me 10 plus time per day while I was at work. That was in XX/XX/XXXX. Then in XX/XX/XXXX I called Discover to ask the status of my accounts as I was selling my home and trying to buy another home. I was told all was good, but he had to look to why he saw I was current, but I was seeing online that my accounts were reporting late. I was told by the Discover agent, that I was good. I also informed that that I would be paying off the remaining loans over the next few months as we sell our home. Then on XX/XX/XXXX XX/XX/XXXX I got an alert from XXXX and Transunion that Discover was reporting me as delinquent. I called Discover on XX/XX/XXXX to try and find our what was going on. They told me I would get calls back, and emails they never came. Eventually on XX/XX/XXXX I got XXXX and Discover Student Loans on a three way call and they finally admitted in that call to XXXX that I was current, and that I was current when I was reported as delinquent. Now as of today XX/XX/XXXX I still can not tell the status of my loans, or when payments are due or if they are. The website has me listed as in deferment for school, but I have been in XXXX XXXX at XXXX XXXX University since XX/XX/XXXX. This would mean I should have been in deferment for the last 13 months. With that fact, then I am not required to make a payment, thus I could not be late as they reported me. The bottom line is that I can not get information about my accounts, and this is effecting my credit. I am unable to callas they tell me to write them, when I send the emails via the secure server I get responses that tell me to call, then on the call they tell me I must write. How can I get information? How can a company be allowed to report negative when they do not report all payments and positives? How can a company who 's own web site states, " Due to system maintenance your Account Center payment history may be incomplete. We are currently working to resolve this issue. We anticipate the issue will be resolved in a few days. In the meantime, for complete payment history, please see your monthly statement ( s ). We apologize for any inconvenience this may cause. " ( https : //www.discoverstudentloans.com/XXXX XX/XX/XXXX ) On XX/XX/XXXX my accounts all showed on the Discover Student Loan webpage as current, yet I was reported as late after this date. See Attached I and my family is at a lose as we were about to get a home now we have nothing, as Discover reported negative when I was not negative. I know I am not perfect and my credit shows that, but when a company is not giving the consumer or the credit agencies accurate information in a timely manor, how can they be trusted at all?
12/16/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NJ
  • 082XX
Web
On XX/XX/XXXX, Discover promised me an ACH payment of {$1300.00} for permanent credits on my account, as well as disputes found in my favor. Several agents including a manager told me the amount had been approved and sent for processing. This went on for three weeks. On the last possible day I was told it would've taken for the payment to show up in my bank account ( XX/XX/XXXX ), I noticed the money still wasn't there, so I called them to find out what was going on and they told me they canceled the payment and I would not be receiving that money. A supervisor called me later in the evening after I had requested to speak to a supervisor. I reminded her that all phone calls are monitored and recorded and I wanted her to listen to each and every one that took place since XX/XX/XXXX. Her response was that regardless of what was said to me and how many people said it, they would still not be send me payment. She also stated that the amount was never approved, even though I was told otherwise, by again several agents, and again on a recorded line. They duped me, and at XXXX time. They dangled my own money right in front of me for three weeks, then took it away a week before XXXX. The money belonged to me. Again, they were based on permanent credits I had on my account, as well as disputes found in my favor. This was why I was told I was receiving the money in the first place. Any balance I had on my account was irrelevant. In regards to that, I was told they could still send me payment for the credits, but that my card balance would just become higher. Furthermore, my balance was not due for more than a month after the reimbursement was requested. Just thought I'd bring that subject up, since the supervisor from XX/XX/XXXX told me there's no way they can send money to me for credits if there's a balance on the account. If that were the case, then why would A, three agents and a manager tell me otherwise and process my request, B, others approve the request, and C, two checks for over {$300.00} be sent to me for the same exact thing, even though there was a balance on my account?!?? Discover is nothing but a bunch of underhanded, deceitful crooks. Based on previous complaints with the CFPB that I have filed in the past, I know that your agency doesn't take the action they need to against financial institutions evenafter they've clearly violated consumer protection laws, and your agency is just about as useless as the XXXX. Worthless and hardly worth even a XXXX that is taken out of taxpayers ' dollars just to keep you in business. It's a joke. Which is why I am filing a lawsuit against Discover. I only filed this complaint to have what Discover did to me on record with what appears to be the only government agency regarding complaints about financial institutions.. and just in case one day you start doing your job and actually do something to help resolve an issue where clearly the business wronged the consumer ... Fat chance I know.
10/03/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NE
  • XXXXX
Web Older American
It is unfortunate that consumer must file an additional complaint against Discover Card for violating consumers right to due process under the law. Consumer filed a complaint ( Case No : XXXX ) with Consumer Financial Protection Bureau ( CFPB ) on XXXX XX/XX/2018. Consumer Financial Protection Bureau ( CFPB ) sent the complaint to Discover Card at XXXX XX/XX/2018. Consumer made every conceivable effort to communicate with Discover Card prior to filing the complaint but had no positive outcome from the effort. Consumer felt it necessary to file a CFPB complaint against Discover Card for " harassing '', intimidating tactics Discover Card was using to frighten consumer. By filing a formal complaint through the portal of the CFPB, consumer was utilizing consumers right to " due process. '' However, representatives of Discover Card continue to display a blatant disregard for consumers rights and adopt a superior attitude that Discover can do whatever it wants outside the realms of the law on any level as demonstrated by sending consumer an " email ' to consumers " private domain '' email address on XX/XX/2018 at XXXX. At no time has consumer given Discover Card permission to send an email ( to a private domain ) outside the complaint " portal '' ( and perimeters ) of the CFPB. By engaging in such blatant disregard for the law, Discover Card is trying to devalue consumers right to due process of law. Consumer had no positive outcome by engaging in dialogue with Discover Card prior to filing a complaint with the CFPB, that is why consumer filed the complaint in the first place. Consumer will not forgo consumers right to due process at this juncture. Discover Card does not have the authority to resolve the matter outside the portal of the CFPB as consumers efforts to communicate prior to the complaint failed. Discover Card is taking liberty of contacting consumer through a private domain without consumers prior knowledge or consent and by doing so Discover Card representatives are engaging in unauthorized access of electronic mail which constitutes invasion of privacy and is a federal crime. At no time does consumer wish to communicate with Discover Card representatives beyond the portals of the Consumer Financial Protection Bureau ( CFPB ) or authorities. Discover Card representatives MUST stay within the perimeters of the CFPB or settle the matter in a court of law. Consumer ask that Discover Card representatives honor consumers right to peaceful enjoyment of consumers home, phone and private email domain. Consumer will not respond to any emails. Attached to this complaint is the email consumer received ( XX/XX/2018 from Discover Card representative ) in consumers private email domain without prior consent from consumer. If Discover Card continues to send emails to consumer 's private domain consumer will be forced to hire an attorney. Consumer wishes to thank the CFPB for providing this venue of mediation. It is greatly appreciated.
07/08/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • NJ
  • 07302
Web
I have an account with Discover- this complaint is primarily about their violation of the Fair Debt Collection Practices Act but also misleading statements made during the pandemic under the guise of offering assistance. In the past XXXX calendar days Discover has contacted me over XXXX separate times regarding my defaulted account, on a week that included a federal holiday ( XX/XX/XXXX ) where they were presumably closed. Some days this exceeds XXXX or XXXX calls beginning at XXXX XXXX and ending around XXXX. I am aware that is within the allowable time window, just illustrating that it begins as soon as they can and goes repeatedly all day and night. The quantity of calls is XXXX the allowable amount. I can not remove my phone number from my account because when it was an active account I opted into text alerts, I can not opt out of those alerts though their website anymore because the account is closed. That seems a blatant attempt to try to circumvent laws by locking people into a supposed " opted in '' status without the ability to opt out. During the pandemic I entered a payment plan with them, the supposed agreement was XXXX of fixed automatic payments of a lower amount than my minimum payment had been and a slightly reduced interest rate. The deal was promoted to me as " the account would be suspended during the payment program and if I made all the payments on time then at the conclusion of the program the account would remain open ''. I submitted the XXXX payment on time in XXXX of XXXX. While they acknowledged I had completed the plan, and that my account showed an available credit of over {$3000.00} they never turned my card back on citing that it was pending a review. The minimum payments however still doubled to over {$700.00} a month which was more than they were before the payment plan despite my balance being reduced by thousands. In XXXX I lost my job and Discover was unwilling to make any additional deals or payment plans. By XXXX I could no longer afford the payments against a card with no credit line and it seemed clear that they had no plans to reactivate the account so I prioritized other debts and defaulted. That program seemed like a blatant attempt to collect {$7200.00} in payments from me against an account they had no plans to keep open so they could continue to charge higher interest for that year, so the {$7200.00} in payments only reduced the balance by {$3000.00}, as opposed to the closed account payment options with interest rates as low as 0 %. They are no longer willing to offer low interest settlement, the best they will do is knocking a few XXXX off and wanting payment in full within 3 months. I spent a total of 11 months unemployed in multiple stints since XX/XX/XXXX, and paid them on time for all XXXX of the " assistance '' payments during this time. They " continued '' the relationship by not upholding their end of the deal and now aggressively harassing me in violation of the law.
04/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28227
Web
DISCOVER BANK {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$2100.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$4000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX - XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX - XXXX XXXX {$9000.00} POSTED ON XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DISCOVERBANK {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$92000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$2100.00} XXXX XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$4000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXXXXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DISCOVER BANK {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$92000.00} POSTED ON XXXX XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$2100.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$4000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX - XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$9000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$13000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
11/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • RI
  • 02860
Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
08/25/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 12553
Web
Discover has contacted me about an allege debt. I have informed them that I participated in a consumer credit transaction pursuant to 15 USC 1602i. I have informed them to cease and desist pursuant to 15 USC 1692c ( c ). Also informed them that I would like my account to be XXXX as this extension of credit was only extended to me through them ( Discover ) by me, the original creditor pursuant to 15 USC 1692b ( 4 ). I gave them my credit card ( Social Security Number ) pursuant to 15 USC 1602 ( l ) and never asked them to send me a bill or request for payment from me, on my behave. I've never gave them permission to contact me and much less never gave them permission to contact me multiple times through ANY medium. I received communication from them on XX/XX/2021, which I labeled " Exhibit A '' through the mail about this allege debt, they used obscene and profane language during in the letter they sent me as words that I found offensive such as " DEBT '' was used and that I owe THEM a payment, which is a violation of 15 USC 1602p, because as the card holder ( 15 USC 1602n ) I will not receive any benefit by making a payment to them on something I issued them, which is credit. The statement they sent me was in a positive amount indicating I, in fact, have a credit instead of a debt, which is a violation of 15 USC 1692 e ( 2 ) ( A ) false and misleading the character, amount or legal status of any debt. I asked them to validate the debt pursuant to 15 USC 1692g. I have yet to receive any contact from them. They contacted me at a time I was busy and being that I NEVER told them to contact me it was INCONVENIENT, which is a violation of 1692c ( a ) 1. Also I have made multiple payments in the pass and require that money back pursuant to 15 USC 1692h, as I have to direct them where to put the money, and I want the money to be place in a check addressed to me. Also being that I've been receiving correspond from them its a clear invasion of my privacy. The other violations are in the file I uploaded marked as exhibit A. Also they have been in communication with a consumer reporting agency which is a violation of 15 USC 1692b, communicating with someone else besides the consumer about a debt violation of 15 USC 1692b ( 2 ). I responded on XX/XX/2021 which they received which was confirmed by the USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/21, telling them to not contact me about an allege debt, that they have no right to try and collect, the content of the letter I sent them was a cease and desist letter pursuant to 15 USC 1692c ( c ) ; an affidavit of truth, a request of debt validation pursuant to 15 USC 1692g AND an invoice with the amount of damages they have done to me the consumer, when they tried to collect on this allege debt. I have yet to receive any correspondence or money for the violations to these aggressive and deceptive practices to collect a debt that has not been validated or verified pursuant to 1692g.
11/21/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 92373
Web
Discover bank has falsely held me liable for two ATM cash advance transactions that were done using my Discover credit card pin number. The first transaction occurred on Sunday, XX/XX/XXXX, at XXXX ET ( XXXX PT ) for {$500.00} at XXXX XXXX , XXXX XXXX , California. The second transaction took place Monday, XX/XX/XXXX, at XXXX, ET ( XXXX PT ) at XXXX XXXX , XXXX XXXX , California for {$480.00}. The total amount of fraudulent transactions is {$980.00} plus interest that has been accumulating since the transactions. I took action the day after I received a call from Discover warning me about the fraudulent charges. Mistakingly, I had misunderstood the Discover representative at the time of the initial call and thought the transactions he was talking about were cash advances I had recently made in XXXX, Oregon a few days before and in XX/XX/XXXX while in XXXX, XXXX. The next day I called Discover to let them know that I did NOT perform the recent transactions. Since this call, Discover has relentlessly tried to find me guilty and liable for these charges by manipulating any information I have tried to give them over the phone. I followed through with a police report as requested by Discover. Unfortunately, the police did not want to look into the situation. The banks where these cash advances occurred also could not provide me with video footage unless the police had requested it themselves. After complying with Discover 's wishes, Thursday, XX/XX/XXXX, Discover called to tell me I was being held liable. I then proved to Discover that I was not in XXXX XXXX, California, or XXXX XXXX, California at the time of the transaction. I called XXXX XXXX and they provided me confirmation of my flight on the XX/XX/XXXX, from XXXX, Oregon to XXXX, California which I faxed to Discover on Friday, XX/XX/XXXX. My university has signed documentation that I was in class on XX/XX/XXXX, and I provided that documentation to Discover on Friday, XX/XX/XXXX, as well. Both of these documents have shown that I could not have been in the area where these charges occurred. Monday, XX/XX/XXXX, I reached out to Discover after I received yet another letter addressed XX/XX/XXXX, that they were still holding me liable for the charges after reviewing the documentation that I provided them. After talking to the Discover representative, the reason they are holding me liable is that they believe I could have given my Discover credit card pin number to someone. The representative also said I could have written my pin number down and someone could have seen it. Any person could have been looking over my shoulder when I may have used my pin number. Any person could have been watching video footage of me inputting my pin number. It CAN NOT be disproven that my pin was not compromised when I last used it. There is no way Discover can legally hold me liable for fraudulent charges after I told them many times that the charges were not done by me or under my authority.
07/06/2016 Yes
  • Credit card
  • Other fee
  • PA
  • 17602
Web
Regarding the Discover Card Cash Advance Balance left over from the XXXX XXXX Statement, Per the Credit Card Accountability, Responsibility and Disclosure Act from XX/XX/XXXX, Any excess amount which is considered the difference from the minimum payment must be applied to the balance with the highest interest rate. I have recently contacted Discover over the discrepancy of the Cash Advance Credit Line Balance. They claim that I have - {$240.00} which would put my Cash Advance Credit Line Balance at {$4300.00}. I made a payment on XXXX XXXX, XXXX in the amount of {$750.00}. The minimum payment due was {$170.00}. This {$170.00} should have been applied to the Purchases Balance. The Purchases APR is 23.24 % while the Cash Advance APR is 25.24 %. Since speaking with XXXX different representatives from Discover, XXXX of them have come to the same calculations I was getting, while the XXXX stated that on some occasions, the portion of the payment that is supposed to go to the higher APR Line does n't always happen. This raises some red flags due to the fact that this impacts the Interest Calculations. The idea is that in general Accounting, both business parties ( Company & Consumer ) should be able to get matching figures on both Interest and Balances. Discover does not release what portion of your total payments go to Purchases or Cash Advances on the Statements released at the end of each cycle. This leaves a hole in the mathematical adjustments because not knowing what portions go to what Lines, the balances are impacted which in turn impacts the total Interest at the end of the cycle, due to there being XXXX different rates for each Line. The balances would have been as follows following the XXXX XXXX Statement for each Line : Purchases Balance carried over to the XXXX of XXXX ( includes Interest ) : {$4900.00} XXXX XXXX XXXX carried over to XX/XX/XXXX ( includes Fees and Interest ) : {$3800.00} Transactions from XX/XX/XXXX on : XX/XX/XXXX {$4.00} XXXX XXXX {$260.00} XXXX XXXX XXXX XX/XX/XXXX - {$750.00} Payment ( minimum was {$170.00} ) ( {$170.00} goes to Purchases, {$570.00} to Cash Advances ) XX/XX/XXXX - {$5.00} Cashback Bonus Redemption ( Payment ) XX/XX/XXXX {$13.00} Cash Advance Fee XX/XX/XXXX {$150.00} XXXX XX/XX/XXXX {$500.00} Cash Advances/XXXX XX/XX/XXXX {$25.00} Cash Advance Fee XX/XX/XXXX {$100.00} XXXX XX/XX/XXXX {$120.00} Cash Advances/XXXX XXXX XX/XX/XXXX {$10.00} Cash Advance Fee All Cash Advance Transactions end at XX/XX/XXXX The total of all of these Cash Advance Transactions from XX/XX/XXXX to XX/XX/XXXX equal : {$920.00} The Payment Balance for Cash Advances subtracted from the Cash Advance Total above equals : {$920.00} - {$580.00} = {$340.00} Prior Cash Advance Balance ( {$3800.00} ) + New Cash Advance Transactions ( {$340.00} ) equals : {$4100.00} The Cash Advance Credit Line phases out at {$4100.00} ( Maximum allowed ) My available Cash Advance Credit Line should be - {$65.00}, not - {$240.00}
07/17/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • GA
  • 30309
Web
Consumer Financial Protection Subject : Summary of Discover Banks Violation of Equal Opportunity, Partiality, and Malicious Compliance of Extension of Credit Dear Sir/Madam , I am writing to provide a summary of the concerning conduct by Discover Bank that has raised serious questions regarding equal opportunity, partiality, and malicious compliance of extension of credit. I believe that Discover Bank has engaged in practices that infringe upon the rights of consumers and violate the principles of fair lending. I am seeking your assistance in addressing these issues and ensuring a just resolution. I have sent letters and even spoke with them over phone calls and it complicit bias, with no concrete reasoning to their decisions. The following summarizes the concerns I have regarding Discover Banks conduct : 1. Violation of Equal Opportunity : It has come to my attention that Discover Bank may have violated equal opportunity regulations, which ensure that consumers are treated fairly and without discrimination based on their race, gender, ethnicity, or other protected characteristics. I believe that Discover Banks lending practices have displayed bias or unequal treatment towards certain individuals or groups, thereby denying them equal access to credit opportunities. 2. Partiality : Discover Bank has shown indications of partiality in its extension of credit. There are concerns that decisions related to granting credit or establishing credit limits may have been influenced by factors outside of objective criteria, such as personal preferences or biases. This partiality undermines the principles of fair lending and equal opportunity. 3. Malicious Compliance of Extension of Credit : I respectfully request that the Consumer Financial Protection Bureau conduct a thorough investigation into these matters. It is crucial to determine if Discover Banks actions have indeed violated equal opportunity regulations, displayed partiality, or engaged in malicious compliance of extension of credit. I believe that the following actions should be considered as part of the investigation : Evaluation of Discover Banks lending practices, including reviewing loan applications, credit decisions, and credit limit determinations. Analysis of data and metrics to identify any patterns or discrepancies that indicate potential bias or partiality in lending practices. Assessment of Discover Banks compliance with fair lending laws and regulations, particularly those related to equal opportunity and responsible lending. I appreciate your attention to this matter and request that appropriate actions be taken to rectify the situation. If any further information or documentation is required, please do not hesitate to contact me. Thank you for your time and assistance in addressing these concerns. I trust in the Consumer Financial Protection Bureaus commitment to upholding consumer rights and ensuring fair lending practices. Sincerely, XXXX XXXX
06/07/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • NJ
  • 08753
Web
Subject : Account Closure and Inability to Apply for Discover Credit Cards Dear Discover Financial Associate, I am writing to address an ongoing issue that I have been experiencing with my Discover account and the subsequent denial of my recent credit card applications. After a thorough investigation, it has been confirmed that the account in question is indeed mine. However, I find myself trapped in an unbreakable cycle as I am continuously denied any new Discover credit cards solely based on the presence of my existing account, as repeatedly stated in the denial letters I have received. While I understand that my previous account was closed, it is disheartening to note that this circumstance appears to indefinitely prevent me from applying for any Discover credit cards. The denial letters consistently cite the existence of my previous account as the sole reason for the denials, leaving me caught in an unbreakable loop with no viable solution. I kindly request that Discover Financial Services reconsider their policies and procedures surrounding the treatment of customers in situations similar to mine. It is crucial to acknowledge that individuals ' financial circumstances can evolve and improve over time. Relying solely on the presence of an existing account as the basis for denying credit card applications undermines the opportunity for customers to demonstrate their creditworthiness and benefit from the services and advantages your credit cards provide. I urge Discover Financial Services to take into consideration the following points, which highlight my qualifications and creditworthiness : My credit score of XXXX, which reflects a strong credit history and responsible financial behavior. Consistently making timely payments on all existing credit cards, indicating reliability and commitment. Being a loyal and responsible customer of several large credit card companies, further showcasing my ability to handle credit effectively. Given these compelling reasons, it is unjust to continue denying my applications for Discover credit cards solely based on the presence of my existing account. I kindly request that Discover Financial Services reevaluates their policies and procedures, allowing for a fair and comprehensive assessment of my creditworthiness and eligibility for Discover credit cards. I trust that Discover Financial Services will thoroughly review this matter and consider the impact of the unbreakable cycle created by the denial reasons. By adopting a more flexible and customer-centric approach, Discover can empower deserving individuals like myself to benefit from your credit products and services. Thank you for your attention to this matter. I eagerly await a favorable resolution that recognizes the need for fairness and flexibility in assessing creditworthiness. Please feel free to contact me if any further information or clarification is required. -- -- -- -- -- -- -- Sincerely, XXXX XXXX
10/18/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NJ
  • 07093
Web
I have been in contact with Discover since XXXX when a card was fraudulently opened under my name in which case i was not notified until the card had been charged up well over its limit. I was very upset that i was never notified about the opening of this card. My information was compromised and a card was sent to an address I have never been associated with. Upon asking Discover for a validation of debt and proof of how this account was opened and WHY it was sent to an address that I have no association with, the answers I got were appalling. I received several statements, the first which had my address on the front, and all of the statements behind it were addressed to the unknown address THEN CHANGED EVERY SINGLE STATEMENT TO REFLECT MY ADDRESS!!!! They manipulated the paperwork to reflect my address how is this not illegal!!!!!! Every single time I ask for answers as to why the card was sent to that address, I get the same response. This time, as of XX/XX/XXXX, after i spoke with a " Credit Bureau XXXX '' who claimed they would call me back regarding this information, but never called. The newest letter reads " A review of our records indicates that you are responsible for the balance on the account. We have responded to your previous debt validation responses on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Our position on the matter remains unchanged. '' This is after I was told i would get a call back to discuss the matter, and never did. Now, the mistake on my behalf, I paid a few months on this card because I was going to be denied a government job as a XXXX agent in an airport and could n't have more than a certain amount of outstanding debt. I paid in order to get myself out of a financial crisis and into a better job to support my family. I was a newly college graduate and scared and desperate I did n't know what else to do without losing the position I worked so hard to get. Prior to this arrangement, Discover will have notations of me calling very disgruntled that they would allow someone to use my personal information. I also had a situation at the same time where an account was opened with XXXX XXXX however, I was lucky enough to get that rectified and removed. I am so frustrated, I can not get any answers from Discover whether i call them or not and I have reached a dead end with the bureaus. Transunion has removed it however, XXXX and XXXX are refusing to investigate further. As I began to do my research I started saving all of the letters and information I was sending as proof. Please help me with this matter and what I can do to get my credit back so I can move on with my life in peace. I am always on time with my credit and payments and have been working on establishing my credit since high school for it all to be taken from me in the blink of an eye. XXXX ADDITION I NEVER HAD THIS CARD IN MY POSSESSION IT WAS NEVER EVEN SENT TO MY ADDRESS WHEN THE ACCOUNT WAS OPENED!!!!! ***
12/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 10453
Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
11/15/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11419
Web
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account # XXXX ( ALL 3 ) XXXX/XXXX ( XXXX ) XXXX XXXX XXXX. XXXX, OH XXXX ( XXXX ) XXXX ( XXXX & XXXX ) XXXX XXXX XXXX XXXX, OH XXXXXXXX ( XXXX ) XXXX ACCOUNT # XXXX ( ALL 3 ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX & XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX ( ALL 3 ) XXXX XXXX XXXX ( XXXX-one open-one closed ) XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, IA XXXXXXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX. IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX ACCOUNT # XXXX
03/10/2021 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • MN
  • XXXXX
Web
I had a chargd off credit card debt with Discover Card in the amount {$1800.00}, which was sent to their third party collection agency, XXXX XXXX XXXX, XXXX. ( Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX ; Phone number is XXXX ). I made a payment in full on XX/XX/2021 to XXXX XXXX XXXX to pay the account in full. I was then advised by XXXX XXXX XXXX to e-mail them copies of the cleared check and a screen shot of my bank transaction history showing that the payment of {$1800.00} had cleared my bank. I e-mailed this information to them on XX/XX/2021. On the same week of XX/XX/2021, I made several phone calls to XXXX XXXX XXXX and to Discover Card ( Phone number for Discover Card is XXXX ). On these phone calls, I was assured that XXXX XXXX XXXX had approved the closure of my file with them, they would send a dismissal notice to XXXX County conciliation court, and then send the closed file to Discover Card. In speaking to Discover Card multiple times, I was assured that they did show the payment had been received, but they could not update my account as " closed - paid in full '' with the credit bureaus until they received the closed file from XXXX XXXX XXXX. On XX/XX/2021, I spoke to XXXX at Discover Card ( phone number XXXX ) and she attempted to reach out to XXXX XXXX XXXX to get the closed file from them so that Discover Card could update the credit bureaus that my account was paid in full and closed. The call then became disconnected for unknown reasons. I then called back and spoke to XXXX, who refused to understand the issue and what I was asking of him. He became threatening and rude -- and refused to answer my questions -- when I asked if the call was being monitored and recorded. After nearly one hour of speaking to XXXX and getting nowhere with his abusive language to me, his refusal to help resolve the issue and his inability to answer my questions directly on the debt collection practices of Discover Card, I was then transferred to a supervisor named XXXX. XXXX began screaming at me at the top of his lungs, at which point I could neither hear nor understand him. He asked me " were you abused as a child? Are you always a bully? '' and began hurling abusive and derogatory terms at me regarding my gender identity. XXXX then terminated the call without telling me what he would do to resolve the issue to get the debt reported to the credit bureaus as closed and paid in full. I then called back, got XXXX again, who immediately transferred me back to XXXX. XXXX then began verbally abusing me again, using language to degrade me and accuse me of being a bully and telling me that I was inept and not listening to me. XXXX refused to tell me, once again, what he would do to resolve the issue of updating the debt as closed and paid in full with the credit bureaus. XXXX, again, screamed at the top of his lungs at me to tell me that I needed to " shut up and listen, '' at which point he terminated the call.
12/28/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • WA
  • 98178
Web
I was out of country for the entire month of XX/XX/XXXX. My Discover XXXX credit was used without my permission for an amount about {$1000.00}. The investigation with this company, however, is a very unpleasant experience. Three different investigations was opened as I requested and every time its outcome is so blurry about how they perform their works. First of all, the investigation came out as my responsible for the fraud as of they could not reach me through the contact information on my profile. However, I did not get any email as they are appeared correctly on the account, and they said they called the number ( on the profile ) which is not mine, they talked to somebody over the phone through that number who seems to know me!!! And decided end the investigation after talked to somebody who is not me. Second investigation ( after I called to follow up and provide them again the correct phone number ) they asked for additional proof that prove I was out of country in XXXX. I faxed over my passport and waited till they mailed me a letter with same decision. This time, I called and figured out, it because of my fax image was negligible to read. Well, ok, why did they not contact me or inform me so I can definitely fax the higher quality images? I called and WAS TOLD to fax it again so they can review. 2 more weeks passed by, nothing happened, called again and found out they did not put in another review as I did not say please open another review when I faxed the second copy. They also asked me did I file a police report when it happened. I did not when I found out back in XXXX after came back from XXXX. Third investigation, same outcome. I responsible for my fraud as they determined. This time is another story. They figured out the new chip card was mailed to me in XX/XX/XXXX and was activated in XX/XX/XXXX, one and a half year later. However, I have never received it and not aware of new card. I've been using the previous card and they verified it by have me read out the code on the card that I have on hand. The fraud was made by the new card ( which I never seen ) and activated online through my account. Came up with the clue that somebody who is very close to me got the card and got a chance to get my account log in info ( after 18 months waiting ) to made the fraud. And because I did not file police report which is another option for them to review when they mention about it after our talk in XXXX so I, again, responsible for this fraud. I did not report in XXXX because I did not know it is still significant to them for a 4 months late report. However, I reported to police today and open another investigation with them. I have a XXXX XXXX with an XXXX XXXX XXXX XXXX XXXX and not able to work full time and it just happened to me this year too. I have been a value customer to them for years and this is the first fraud ever happened to me. Thus the way everything get resolve is very disappointed.
04/25/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • RI
  • 02906
Web
HOW CREDIT LIMIT DECREASES ARE HANDLED : This is an abusive practice committed by most credit card companies that calls for government regulation. Discover Bank decided to decrease my credit limit to my current balance on XXXX XXXX , while I was on vacation. They sent a letter to my home, which takes days to arrive. They made no effort to email, text or call me - methods that would actually notify me in a timely manner. I continued to use my card, as I was unaware of the change in credit limit, and Discover continued to approve my purchases. I learned about the changed limit when my card was declined on XXXX XXXX , a stupid way to inform your customers but better than a letter mailed snail-mail to home - I wo n't get that until I finish my vacation. They listed my account as overdrawn, said when I called to complain that they may h ave already reported my account as overdrawn to credit bureaus and the representative would n't do anything about that, and I am still subject to penalty APRs and harmful credit reports should they decide to do so at a later date. Note that there is NO REASONABLE WAY to have avoided this, as Discover did nothing to contact me other than send me snail mail or wait for me to log into my account, which I do n't do every day. Additionally, I will have to pay the last 4 days of charges which are now listed as " overlimit '' amounts, essentially forcing me to use cash to cover these transactions I wanted covered on credit. Needed regulation from CFPB : 1 ) Credit line decreases should require repeated attempts to contact the cardholder by all available means. Snail mail is not sufficient. 2 ) Any charges above the new limit which are approved after the new credit line is set should automatically raise the credit limit to the amount approved, rather than being considered " overlimit. '' 3 ) Any a pproved charges within a time period after the change ( say, 1 month ) causing the balance to rise above the new limit but below the previous limit should not cause the account to be listed as overdrawn with any company or credit bureau, including the issuer. Stretch goal : Credit card companies should not be able to drop credit limits without warning. People rely on their credit limits as available funds when planning their lives. They may be on vacation, expecting to use that amount for emergencies, or even to get home. Credit card companies should have to consider credit limits as already borrowed and thus should n't be able to drop limits without sufficient warning, say a full billing cycle. This allows people to plan and not be left high and dry with a sudden limit decrease. While credit card companies may howl that this will induce some people to max out their cards and expose the company to more risk, which is true, this should be seen as a normal credit risk of issuing credit cards. Consider the money already loaned when a credit limit was originally approved.
09/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92129
Web
The Fair Credit Reporting Act 15 U.S.C. 1681 Section 802 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy ''. With that said- XXXX and XXXX are Consumer Reporting Agencies and I am the Consumer. I as the consumer have the right to make sure my privacy information isn't shared which is back by 15 U.S.C. 6801 that states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those consumers ' nonpublic personal information ''. Discover Financial Services is a financial institution by definition under that specific title. Furthermore, 15 U.S.C. 1681 Section 401 ( a ) ( 2 ) states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates ''. The financial institution Discover Financial Services and the consumer reporting agencies XXXX and XXXX do NOT have my consent to furnish any information in regards to the DISCOVER BANK account ending in XXXX and they surely do NOT have my written consent either. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 U.S.C. 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. Discover Financial Services never informed me of my rights to exercise my nondisclosure options. Not only that- 15 U.S.C. 1681 ( c ) ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years ''. This account is an adverse item that they are reporting without my permission which is against the law. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ''. 15 U.S.C. 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing consumer report to the purposes listed under section 1681b of this title ''. And lastly, 12 C.F.R. 1016.7 states that " A consumer may exercise the right to opt out at any time. '' This is your notice that I am opting out of your reporting services.
08/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10469
Web
My Social Security Number ( SSN ) was involved in a data breach that occurred on or before XXXX of XXXX, extending until XXXX. This breach affected individuals who underwent background checks and applied for jobs, leading to the appearance of numbers on my record. I did not provide consent for these accounts to be opened, and I lacked an understanding of credit and its mechanisms during that time. Consequently, I did not establish any credit relationships with the companies involved. I urgently request the removal of these erroneous entries from my credit report once and for all. The repercussions of these inaccuracies have been far-reaching and abnormal. Unfamiliar inquiries have appeared, accounts that I neither authorized nor opened have been added, and I've faced denials and disrespect due to these discrepancies. The errors in my credit report are extensive and profoundly incorrect. They encompass several aspects, including but not limited to : * Name Discrepancies : I want to clarify that my correct name is " XXXX XXXX XXXX XXXX '' I have never used nor consented to be referred to as " XXXXXXXX XXXX XXXX '' or any other variations. This is the only accurate name associated with me. * Address Accuracy : My precise address is " XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. '' It must be consistently displayed as such, including the apartment number. I do not authorize any other variations of this address to be linked to me. * Invalid Addresses : The following addresses on my credit report are invalid and inaccurate, not associated with me : * " XXXX XXXXXXXX XXXX XXXX, NY XXXX '' * " XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX '' * " XXXX XXXX XXXX, XXXX XXXX, NY XXXX '' Moving forward, I wish to address specific discrepancies related to certain accounts : * * XXXX XXXX : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$1400.00}. I did not provide consent or a written signature for this account, nor did I authorize its reporting. All these accounts were opened online. * XXXXXXXX XXXX : Contact : XXXX XXXX XXXX, XXXX, DE XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$4700.00}. Similar to the previous cases, I neither gave consent nor provided a written signature for this account 's reporting. All these accounts were opened online. XXXX XXXX XXXX : Opened : XX/XX/XXXX ; Account # XXXX ; Owed : {$5500.00} ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX. The account by XXXX was deemed fraudulent and removed, yet XXXX XXXX persists in reporting the collection stemming from it. * It's worth noting that a breach detailed in an article XXXX XXXX XXXX XXXX ) is responsible for over XXXX XXXX stolen identities, as discussed. I implore you to rectify these inaccuracies promptly, as they have severely affected my financial standing and personal integrity. I appreciate your immediate attention to this matter.
03/20/2015 Yes
  • Credit card
  • Other
  • FL
  • 33024
Web
I have disputed this XXXX times but discovercard must be in cahoots with XXXX gym. I joined the gym and signed a contract for the regular membership in XXXX. Then, last XXXX of XXXX I decided to get a personal trainer at this gym. I talked with them and they said a 3 month program was what I needed. So I completed the 3 months. ( Actually, my XXXX XXXX went up so I could n't finish and that 's another story - trainer was going to keep my unused sessions for later, when bp was better. I have texts about this. The texts also prove my point of not even KNOWING of any contract as I am asking the trainer about my sessions EXPIRING after XXXX months ) So in XXXX of XXXX I get my discovercard and it shows they charged ANOTHER {$300.00} for a fourth month! I went from the mailbox directly to the gym. This is when I was told I hadto cancel my trainer sessions at least 30 days prior to ending and since I did n't have 30 days until the NEXT billing date, I would be charged ANOTHER {$300.00}. I was confused as I thought I just got 3 months and that was it, unless I signed up for more so they offerrd to keep the sessions for when my bp returned to normal and when I returned to Florida in XXXX from an extended trip. So I went home and just could n't figure it out how I had n't known better, or " known ''. Next day, I went back and had the girl behind the counter print me out my contract. Turns out I had XXXX. XXXX was the original that I had signed, and XXXX was for the trainer and it WASNT signed and I had n't seen it! That explained it! They had gotten sloppy. They 'd also lost anything about me, like my diet from my dietitian, the original pre-workout measurements, etc. So when I called Discover card, I was told that this would be taken care of no problem, since there was no signed contract. I also still have text messages with my personal trainer where I ask if I have to do anything like talk to the " big shots '' to be sure they keep my unused sessions until my XXXX XXXX improves, which is after my 3 months expire. He should have told me they DONT EXPIRE and I need to CANCEL 30 DAYS OUT!. I do n't think he was trying to scam me though. I hope not. I think they messed up and wanted to get {$600.00} more, like they normally would. Maybe they did it on purpose, do n't know. I just know my credit company should have went my way with the dispute. Their evidence they showed in the dispute was the UNSIGNED CONTRACT!! I said that is MY EVIDENCE!! What kind of country is this if they can truly do this? I think Discover is just incompetent or in cahoots, as I said before. Please help me. I refuse to pay this but am afraid it will ruin my credit and I have always strived to be a good citizen. I must say I 'm disenchanted. How could this happen? Nothing means anything anymore. A blank contract is good enough? How could they be so ignorant or did something change with contracts I 'm not aware of??? Thank you for your help.
10/05/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • OR
  • 972XX
Web
XX/XX/2020 - XX/XX/2020 hehehehe this non sense bank blocked my checking account but still they processed the 2 ach deit transfers from the external linked account, a total non sense, why they do not simply block the funds and retirn them to the original bank account, instead of their wasting of time non sense procedures now they have blocked my account with a {$120000.00} balance transfreed from my external checking account with out my authoization i have answered to their non sense questions both to the automated phone system and to the agent but they still say that they will not refund the not authorized ach transfers to the original bank account, and they want to keep the account blocked until i will send them paper documents, that in fact i do not have they ask for a document id that contains the adress that i have indicated on the discover checking account and the social security number as well this request is a non sense since i'm a XXXX XXXX of this country, but i'm a XXXX citizen, so i have a XXXX pasport the XXXX passport does not contain the XXXX adresses or the social security number i asked if they will keep the funds blocked and their answer was " well good question, yes until you send us all the required paper documents, the funds and the checking account will remain blocked, for a unlimited time '' i have my XXXX passport and the social security card but i do not approve their request for a copy of the passport and ssn card, since i do not send my document id here and there by fax, only because their security procedures are a non sense if they recognize a not authorized ach debit transfer from the linked external account, they must simply cancel the ach debit transfer and they do not have to wait until the ach debit transfer clears or otherwise if they can not cancel a not authorized ach debit transfer, then can bock the account temporarily until the funds are cleared and then refund the funds to the original bank account, instead of wasting the customer valutable time with their non-sense procedures i also want to clarify that they advertize the discover checking account as a online only checking account and when i signed up for the online/web discover checking account nobody told me ad there were no indicationsm that they send sms codes and request paper docs for a online only checking account a non sense a normal bank can confirm identity by sending a code to the registered email on bank account discover likes sms and smartphones, not the internet/web but they do not indicate that on their website they are not compatibles with the internet/web but still they insist with their online only checking account, that works with a sms, a fax or a paper document i suggest them to transfer their bank activity, including their so called online account by sms and their ach transfers funtionality, from the web/internet to a normal blick store, because discover isn't compatible with the internet
09/16/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • PA
  • 19143
Web
I was declined for a open end consumer credit plan and wasnt sent the adverse action. The law is very clear in this matter. 15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination ( 3 ) because the applicant has in good faith exercised any right under this chapter. ( d ) Reason for adverse action ; procedure applicable; adverse action defined ( 1 ) Within thirty days ( or such longer reasonable time as specified in regulations of the Bureau for any class of credit transaction ) after receipt of a completed application for credit, a creditor shall notify the applicant of its action on the application. ( 2 ) Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. A creditor satisfies this obligation by ( A ) providing statements of reasons in writing as a matter of course to applicants against whom adverse action is taken ; or ( B ) giving written notification of adverse action which discloses ( i ) the applicants right to a statement of reasons within thirty days after receipt by the creditor of a request made within sixty days after such notification, and ( ii ) the identity of the person or office from which such statement may be obtained. Such statement may be given orally if the written notification advises the applicant of his right to have the statement of reasons confirmed in writing on written request. 15 U.S. Code 1681m - Requirements on users of consumer reports ( a ) Duties of users taking adverse actions on basis of information contained in consumer reports ( B ) a statement that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide the consumer the specific reasons why the adverse action was taken ; 15 U.S. Code 1602 - Definitions and rules of construction ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
03/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60615
Web
XXXX has updated the following account on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 and 611, XXXX as violated my consumer rights by not adhering to the law. Section 611 ( 5 ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accouuts, petitions, pleadings, and other papers. Contract law states that the only way to contest a affidavit is to respond another affidavit. According the black law dictionary an affidavit, a written or printed declaration or statement of facts, made voluntarily, and confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX failed to respond to my previous sworn statement of dispute affidavit with a another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ;. Furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. If the following accounts are not delete immediately from my credit profile. XXXX XXXX/XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$300.00} XXXX/XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$300.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount {$19000.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount {$200.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$200.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$250.00} XXXX UNIVERSITY XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$500.00}
12/16/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30096
Web
This notice is my, required by law, demand to " cease and desist '' collection activities prior to validation of purported debt and you must validate the enclose_d claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : The name and address of the organization or other governmental unit alleging a debt ; The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; The name of the actual creditor even if that is myself ; The origin of the funds used to create this alleged claim of a debt The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental unit 's own funds that resulted in the enclosed alleged claim of a debt. The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name. Be advised that verification is defined ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) as follows : " Confirmation of correctness, truth, or authenticity. by affidavit, oath or deposition ''. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z. The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt. The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the. alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.
03/30/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IN
  • 46235
Web
On XX/XX/2020, I placed an order XXXX for a 65 ' inch tv for a total charge of {$240.00}. When I went to pick up the item on or around XX/XX/2020 at the XXXX XXXX, the associate brought out the TV, closed out the order and when I turned around I noticed they put a XXXX XXXX TV in my car. I immediately said that was not what I ordered and requested a supervisor. A manager, came out and I explained the situation. She informed me that XXXX had been fulfilling orders and then trying to provide smaller TVs upon customers arrival because they ran out of the 65 inch TV. She immediately call the 1-800 customer service number and explained to them that she was unable to cancel the order or do a refund because the associate that brought the TV out closed out the order. After about 30 mins on the phone with them, she informed me XXXX would issue the full refund. They then removed the Tv. I NEVER left the property with the 55 inch tv. I did not see the credit 2 days later, so I followed-up with the 1-800 number and the associated assured me the credit would be forthcoming. Still no credit on Thursday, so I called again and they again assured me the credit would appear on my Discover account on Friday. That never happened. They also assured me, multiple times, they would forward me an email with proof the refund was being processed, and that did not happen either. I called XXXX. I have no paperwork to provide as all calls by me and the manager at XXXX XXXX were done by phone to the customer service number. XXXX own paperwork submitted to you shows they gave a credit of {$100.00}, because they were trying to do a bait and switch with a different size tv, and even that credit was never credited to my Discover Card. They could view their own security tapes and see I never left with a 55 inch TV as that was not what I ordered and I was not going to take it and was assured the credit would be provided. I continue to dispute this charge as I did not leave the store on XX/XX/2020 with the product. This entire charge was disputed with Discover, however, the sided with XXXX because XXXX showed the order was placed, which it was, and picked up, which it wasn't but because the kid that brought out the TV clicked it before I got to check the item, the system did show I picked it up which is why the manager came out and called the 1-800 to start the return ( and apparently has never been completed by the 1-800 customer service ). Now I am fighting with Discover to take off the {$100.00} overcharge that even XXXX submitted on their dispute paperwork showing the whole charge should have been {$140.00} due to their attempted bate and switch. Attached is the order showing the total charge was adjusted {$100.00} to {$140.00} because of the attempted bait and switch, XXXX 's own paperwork showing there should have been a {$100.00} credit applied to my credit card, and the ads from XXXX showing what the cost of each TV was.
05/22/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 603XX
Web
Tried working with Discover who have been all too happy to destroy my perfect credit score due to their oversight. The original email that I sent to Discover 10 days ago is below : Hello, Still am shaken up. My credit has been perfect and I have never had a delinquent payment ver since having my first credit card. We never received statements from Discover regarding the delinquency. Also, the email that they have on file for me for the old account is a very old email address that is no longer used. The numbers that they tried me on are also old and not in use ( one of the numbers was from when I lived in XXXX / XXXX ) My mortgage broker just called my wife and I to say that Discover had reported us delinquent over {$93.00}. After doing some digging, it looks like Discover reactivated an old account ( which we had closed out ) from XX/XX/XXXX. They did this by sending us a new credit card for the old account. Up until this point, we had one account with Discover from XX/XX/XXXX. This account was set up with automatic payments to pay off the balance in full every month. The new card that we received from Discover was assumed to be a replacement card for the XX/XX/XXXX account ( not a reactivated card from an old account we never asked for the reactivation ). We had simply assumed the new card was for the one account that we were aware of and, all of our payments were being automatically paid off. My wife and I are scheduled to close on a new house. The mortgage broker ran our report and noticed that we had a XXXX point ding for a delinquent payment that we were unaware of My wife, XXXX kids and I will not have a home to live in if we can not get this mistake reversed on our credit report. As soon as I found out about the delinquent balance ( today ) I paid it off. Also, my credit report shows that over the past 15+ years ( the moment that I started using credit cards ), I had never been delinquent on a payment and have a perfect payment history on my debts. I work as a XXXX XXXX for XXXX XXXX XXXX and maintaining perfect credit is essential in my business. So in addition to preventing me getting a house, this oversight ( Discover reactivating an old account and then being unable to contact me about payments ) will also have ramifications for my career if it is not fixed. Please help me as there will be a negative domino effect. The folks at Discover can check my credit reports to see that this is the only instance in my credit history where I have had a late payment and, I never spoke to anyone at Discover prior to the delinquency being reported that gave me the heads up about this. Thank you Discovered noted and would not acknowledgement that statement may have not received by me. There is an article by XXXX XXXX news that there is a mail delivery problem in the town I live in. Common sense could be applied that something could have happened with someone that has 17 years of not being late.
07/10/2015 Yes
  • Credit card
  • Balance transfer
  • VT
  • 056XX
Web
In XXXX, 2015 I received a pre-qualification letter for the Discover It card, advertising a 0 % APR for purchases and a 0 % APR for balance transfers for XXXX months. I only had one existing credit card, a XXXX Rewards card, with a balance of around {$7500.00} at a 9.99 % APR. Even though 9.99 % is a fairly good rate, I figured I would apply for the Discover It card and take advantage of the 0 % balance transfer for XXXX months. I applied online and was initially denied. I then called Discover to ask why I was denied and, after a conversation with a supervisor, they changed their decision and agreed to the terms in the offer, 0 % APR for purchases and balance transfers for XXXX mos., and then a XXXX APR thereafter. However, they set my initial limit at {$1000.00}. Since the whole reason I wanted to open the card was to enable a sizable balance transfer, this was unhelpful and so I was not going to go ahead with opening the card. However, the Discover supervisor I spoke with assured me that if I used the card frequently during the first XXXX months, paid it off each month and then called back and ask for a credit line increase by the XXXX XXXX, 2015 deadline for making balance transfers, I could get a credit line increase and then make a larger balance transfer. I did all of that. But when I called Discover today XXXX XXXX XXXX XXXX, they told me that they only consider credit line increases after three months, not two. This means that I am unable to take advantage of the balance transfer offer that was made XXXX at least for anything beyond {$1000.00} XXXX, which was the only reason I opened the card in the first place. To make matters worse, the APR I was given by phone - 10.99 % after the 0 % intro 12 mo. APR - has been changed to 22.99 % starting in XXXX XXXX XXXX months from card opening rather than XXXX XXXX. There is no way I would consider a rate that high -- my existing card is 9.99 % APR! I was either lied to or deceived XXXX by Discover, first about the ability to increase my credit line before the balance transfer deadline and second about the post-intro APR APR that we agreed to ( 10.99 % ). A Discover Supervisor, XXXX, claims that she is looking into the issue and will refer it to Discover 's legal services department. I hope that they find the initial phone call during which all of these terms were told to me by another Supervisor. They will find that he lied to me in order to get me to open a card with them. I do n't know what can be done, but I hope that Discover is held accountable and honors the original agreement that was made. My advice to people talking with credit card companies is not to trust verbal agreements by phone. Or, at least, make your own recording of the call so that you have a record of the commitment that was made. Unfortunately, I am now at the mercy of Discover finding the recording of that phone call, which they say may happen, though I am doubtful.
06/04/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 11222
Web
This fraudulent charge happened XX/XX/21 at XXXX of {$1400.00} at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX MARYLAND XXXX With the name of XXXX XXXX as stated by discover through mobile wallet XXXX XXXX with my discover card. I received a text asking if I made this transaction the day the charge was made and I replied no. I immediately called them and they gave me a new account # and credited me back the amount. They said they would contact me again for further questioning. Assuming that this has been taken care of since they gave me credit I thought I didnt have to worry anymore. XX/XX/XXXX, I check my discover card and I see the charge is posted again. So I call them back and they said they tried to contact me with further questioning and left me a voice mail and letter. I told them I never answer unknown calls and my voicemail wasnt set up since I updated my phone and didnt get the messages till I set up my voicemail the day of XX/XX/XXXX when they already closed the case. Plus I just moved into a new apt in XXXX so my mail could of been mixed up. I then asked how and who made this charged and what was the reasoning of resolving this case Below are the reasons : -a charge made through mobile XXXX XXXX had to be used with my physical phone and XXXXXXXX XXXX login to authorize a charge -I didnt follow up within the 60 days ( which I explain above ) I live and work in XXXX when this fraud happened, so why would they resolve this case when they told me an XXXX XXXX made this charge in Maryland. I also have no authorized users on my account nor have anyone permission to use my card or phone with personal information. How can Discover say a man named XXXX XXXX made this purchase in Maryland where I have never visited and still believe I made this transaction when I was in XXXX with my physical phone on me. I asked for a written document of the reasons above and they would not give me one without a subpoena. Then asked for a re opening of this case. I sent them screenshot documents of a possible reason that I was hacked through my phone with XXXX security update of stating that my information may have been compromised on XX/XX/XXXX. I also filed a police report on XX/XX/XXXX which they didnt do much to investigate the fraud since it was in Maryland which wasnt helpful for me. They then sent me an affidavit that I signed agreeing that it was a charge I did not authorize on XX/XX/XXXX. I followed up with phone calls making sure they received this information on XX/XX/XXXX, XXXX, and XX/XX/XXXX which they then told me there still wasnt sufficient evidence in resolving this case and there isnt any more recourse to be done. As you can already tell how frustrating this is as this is a clear case of fraud and personal hacking And I tried my best to give them as much info involving the police and any documents. I will now have to file a small claims against Discover to win this case.
06/15/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • OH
  • 43212
Web
I attempted a domestic wire transfer with Discover Bank on Thursday, XX/XX/XXXX for a house closing. The wire was submitted to Discover at XXXX ET. For context, the cut off time for same-day processing provided by Discover is XXXX ET. I was told by a Discover Wire Specialist that a federal tracking/reference number would be provided to me, and if I didnt receive one 2 hours post receiving the processing confirmation email, that I could call them for one. I received the processing confirmation email at XXXX ET. Over the next 30 hours, I contacted Discover 10 separate times for an update on tracking to which most of my concern was dismissed by their wire specialists and I was told to just wait as the Federal Reserve is sitting on the money and hasnt released tracking to them yet, so there is nothing [ Discover ] can do to help. After contacting Discover additionally multiple times on Monday, XX/XX/XXXX, as the Federal Reserve is closed on the weekends, I was finally told that the money was never sent to the Reserve at all. My wire was now sitting with Discovers intermediary bank, the XXXX XXXX XXXX XXXX XXXX. And still, there was absolutely nothing Discover could do to help. This is now almost XXXX business days later and I have not received any update on where my money is in addition to constantly receiving conflicting messaging from Discover wire specialists, including that this whole process shouldnt take longer than 2 business days. On Tuesday, XX/XX/XXXX, the wire was sent back to my account after following up additionally on my own. I inquired about the reasoning for the wire not being processed and was told there wasn't any specific reason, only that they would not be processing it. They told me that reason is left to interpretation as they do not have to give me any additional information on the matter. This was incredibly frustrating as now I am late to closing on my first home, as well as now being back to square one with no information on what went wrong, or any offer of assistance to make it right. After countless calls to Discover, the Federal Reserve, XXXX XXXX, and even a real estate lawyer to chase down my own money as Discover refused to help me, I am left feeling the utmost lack of confidence in Discover as a financial institution. Discover has put me and my family through extreme emotional distress during this process. Distress that we are still under, as we face penalty from our seller and lenders for Discovers careless ride with our hard earned first home funds. If you're reading this and debating using Discover for something as standard as a domestic wire transfer, I urge you to rethink. Unless of course you enjoy giving your money to an online bank that will happily take it and then sit on it for their own financial gain through earning interest on it and then dispose of you without any concern to help with the mess they created for you. Just my two cents.
12/09/2016 Yes
  • Credit card
  • Other
  • CA
  • 95835
Web
I wanted to sort out a bill that I had with a hotel that I stayed in During XX/XX/XXXX. There was about a XXXX dollar discrepancy with the total costs, this turned in to overdraft charges are lot of falsified information that should have never been presented to me about my initial dispute. The dispute was handled poorly and to make matters worse, the entire customer service term treated me like XXXX. They eventually would just leave me online- during out chats, they would never be consistent on information that had a clear yes or no answer- it was n't until I contacted their HQ to explain my concerns, that the situation started turning around. To make matters worse, I was getting charged on specific fees that I had called in days before to warn DFS- that the COMPANY IS BOGUS. FURTHERMORE, I DO NOT Beleive that I was ever notified by DFS that during months where i was not using the CC, that NO STATEMENT WHATSOEVER, NO RECORD of ANYTHING not even an online PDF notating the month of inactivity would be created. I found this to be UNHEARD OF THEM. THe reason why this is ALSO A PROBLEM is bc I BELIEVE THAT THIS GOES AGAINST CERTAIN FDA Regulations and I am hoping to get this situation investigated. My Desired Solution- DUE TO ALL THE OF FASLE INFO PROVIDED TO ME, and HOW Representatives lied to, telling me to " just obtain -- -- -- '' and we can take it from there, but DO IT IN 3 DAYS, was the most stressful catalyst that did not serve any purpose. Just another misinformed employee, giving me falsified information and basically HOMEWORK. I do not wish to pay for this particular dispute, because it has caused so much HEADACHE and has been so time consuming- most of the time because nobody I spoke with really had any idea on the matter, until I FINALLY spoke to a billing manager, AFTER I went on my wild goose chase, and SHE hung up the phone on me. I could n't believe what was happening to me, essentially I just wanted to inquire about a charge that was off by max XXXX dollars, somehow I ended up talking to the rep about my issue might being worth JUST DISPUTING THE ENTIRE CHARGE. That idea never even came to my mind. ICING ON THE CAKE- Many automated voice messaging systems say that your call might be monitored or record- GUESS WHAT? MY WAS FULLY MONITORED by a MANAGER, as some kind of TEST for a SUPERVISOR OF HIS. So on top of telling me some very BAD ADVICE THAT THE SHOULD NOT HAVE DONE, they then treated me like I was subhuman, AND TO MAKE SURE I KNEW they THOUGHT I WAS SUBHUMAN- I BECAME A TEST FOR ONE OF THEIR EMPLOYEES TO TAKE DURING HIS SHIFT. I have names, employee numbers, everything and I am beyond happy to share every detail of INSANE this situation was. DFS BLOCKED ON TWITTER when they claimed to be responsive 24/7. I CAN GO ON AND ON about why I am so UNHAPPY with a CC company that I HAVE BEEN WITH SINCE I WAS SEVENTEEN- I am XXXX NOW. STILL CANT BELIEVE THIS.
03/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • GA
  • XXXXX
Web
I am writing to you today to express my concerns regarding fraudulently furnished late payments that have been added to my credit report by your company. I have reason to believe that I am being extorted by your company, which is a serious violation of my right to privacy. As you may be aware, Congress has mandated that all financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The addition of these fraudulent late payments to my credit report has caused substantial harm and inconvenience to my financial reputation due to fraud, which undermines public confidence in the banking system. According to 15 U.S. Code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Additionally, I should have received a negative information notice no later than 15 days after the alleged debt was validated with me as the consumer. If your company can not provide proof that they lawfully validated this alleged debt with me before furnishing it on my consumer report, then it is my belief that this has been a fraudulently furnished late payment with forethought and malice intended to cause me harm. Please be advised that under 15 U.S. Code 6821, any false, fictitious, or fraudulent statement or representation to a customer of a financial institution is a violation of federal law and will be held liable under 15 U.S. Code 6823 ( a ), with fines up to {$500000.00} for a felony by an organization, imprisonment for five years, or both pursuant to 15 U.S. Code 6823 ( a ). I demand that these late payments be updated to PAID AS AGREED and that each late payment be deleted from my credit report immediately to prevent further harm to my financial reputation. I will consider any non-reasonable response as frivolous and will file a fault judgment in the favor of the interest of me, the consumer, the holder in due course, the attorney, and the administrator in fact. I am giving you 15 days from the date of delivery to respond to this notice. Failure to disclose requested documents SUCH AS all documents, papers, correspondence, books of account, and financial and corporate records. or provide a response to rectify any faults by Discover will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions, and including stress caused to me in the attempt of exercising my rights in good faith. I expect you to handle this matter with ordinary care and address all subject matter. I thank you in advance for your anticipated quick cooperation on this important matter. Account XXXX : XXXX XXXX XXXX
03/28/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MO
  • 63011
Web
I am submitting this complaint regarding a purchase made with XXXX on XX/XX/2022. I am asserting claims and defenses due to the seller refusing to fix the issue. I initiated a dispute with Discover Card on XX/XX/2022 and they have also refused to fix the issue. Prior to purchasing the vacation package with XXXX, I contacted XXXX via telephone and was provided information which contradicts the package I received. First, the sales individuals are very difficult to understand due to XXXX outsourcing their sales calls outside of the United States. I was provided very different information at the time of my call and was told my trip would be refundable if I needed to cancel or change plans. I was also told about the insurance plan through XXXX which was part of this charge that would also cover my trip. As you can see from the initial email I received after purchasing my vacation package, there is no mention of their terms and conditions regarding non-refundable tickets. The last email Discover sent stated information was insufficient and awarded the decision in favor of XXXX, it clearly indicates on my sales receipt that there is no mention of their terms and conditions. The receipts is very vague and does not provide even a break down of the purchase. There is also not a price breakdown of the vacation package which leaves the consumer with no idea of what they are being charged for. After we realized we needed to change the dates of our trip due to a court hearing/custody issues related to a current divorce proceeding, XXXX attempted to charge us XXXX times the original amount we paid to transfer the dates. When I went online to XXXX and entered the exact same trip that day it was the same price as we had originally paid on the date of purchase. Meanwhile, XXXX was attempting to charge us XXXX times the amount we originally paid. XXXX uses scandalous tactics and is deceitful when purchasing their vacation packages. As you can see from the receipts provided to my email after my purchase, their terms and conditions are not even mentioned. The receipt is very vague and provides very little information to the consumer. Every phone call I made to XXXX, I was provided with different information from the initial purchase to several attempts to transfer the dates. I was never provided with a consistent answer from XXXX. I do not believe this charge was fair as XXXX was not clear of their terms in the information that was provided to me during my initial phone call to inquire about the vacation package, initial purchase and in the receipt I received after my transaction on XX/XX/2022. To date, I have not received any credits for the airline purchases etc. XXXX has not made any attempts to rectify the situation or refund any portion. I have been fastidious about trying to come to some sort of resolution but XXXX and Discover have have not made any attempts to make any type of compensation.
06/24/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Overcharged for something you did purchase with the card
  • TX
  • 75075
Web Older American
Case # : XXXX, Merchant : XXXX XXXX at XXXX XXXX XXXX XXXX TX. When I realized I'd been scammed by an online con artist, I notified Discover ; they issued me a temporary credit and started a dispute. Dispute lasted 6 months, with funds moving back and forth from me to the scammer. Discover said they used arbitration who favored the merchant scammer. He provided no new evidence from the last time Discover reversed the funds back to me, yet they gave him my money insisting they were bound to the con artist 's terms of service of no refunds. I provided tomes of evidence showing the scammer didn't do what I payed for and showing the horrible mistakes he made as he sent me a fake cobbled together document with his worthless opinion of a forged handwriting situation, he charged me a retainer of {$1900.00} when the fee should have been {$400.00} or {$990.00} according to his fee schedule at the time of the transaction. He didn't perform according to retainer but gave me a verbal and written opinion. He refused to give me an invoice or answer my questions once I realized the ripoff. He has virtual offices across the country, hides behind many phone numbers, emails, web pages, is just a master of illusions acting a role with fake props. He has since changed his website and doesn't publish his fees. He lied about me to Discover in his responses to them. Yet, Discover gave him my money that I did not agree to ; I did not agree or sign on to be ripped off. They essentially gave the rip off artist free reign to rip me off of {$1900.00}. I even sent them Rip Off report where many people have reported the creep for years. They just kept saying they were " bound '' by his terms. It would depend on who I spoke with at Discover ; two people said Discover had a fund they could give me back my money ; even if they couldn't get the money from the " merchant. '' When I told them they said no, that wasn't true, it always depended on who i spoke with. They told me to complain to the attorney general and resolve it outside of Discover, they couldn't do anything for me. It's terrible when a credit card company empowers and sides with a crooked " merchant, '' an enables con games, lies, and thuggery to exploit their cardholders. When they did me like that, I closed my account with Discover. They had no regard for my rights as a consumer. There is something terribly wrong when a credit card does this sort of thing. When I asked them for an explanation as to why they would believe that thug and give him my money in light of all the evidence of the ripoff, they would just say each case is different. One lady did say thought that they believed me and that's why they spent the {$500.00} to take it to arbitration. Yet, in the end it didn't matter as Discover claimed bondage to the merchant and let him get away with ripping me off. Discover didn't care that they lost a customer. I want my {$1900.00} back!
08/10/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43040
Web
We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT I have a credit card with Discover. I have made perfect payments since XXXX, never a late payment with credit cards, even during the pandemic. I was the person that saved money for a rainy day. Then a bad medical situation hit a few years ago. 1. I had a XXXX XXXX and several XXXX XXXX and was XXXX. I went XXXX for a short time 2. I had numerous surgeries where my XXXXXXXX XXXX XXXX. 3. I got XXXX XXXX ( XXXX of XXXX times ) during one of the surgeries. I was on a XXXX. I had another XXXX. Even during all this time i had my personal bank make sure my bills were paid on time. I had {$700000.00} in medical bills which I paid completely off draining my resources. I had over 2 years of XXXX to build myself back up. 4. I managed to keep my job until the pandemic when they laid me off after 20 years. 14 months later my job was eliminated. And I still paid my bills on time. 5 I applied for over XXXX jobs and have been unsuccessful, I retrained and got advanced degrees. Being over age XXXX no one seems to be hiring me. 6. My spouse left me and my children ( I had kids late in life ) and I raise the kids myself 7. My spouse emptied our retirement account. 8. Due to hacking, XXXX XXXX, Discover ( XX/XX/XXXX discover released my information during a hack ), and other credit cards and one of the credit bureaus allowed my information to be released on the dark web and my identity has been stolen resulting in over XXXX attempts of credit being opened in my name and bank accounts drained, I have had my mail stolen. Although the credit bureaus have frozen my credit file, credit issuers have not been good about stopping this. 9. Up to XX/XX/XXXX, Bills have were paid on time. 10. I called Discover the month before the credit card bills were late. I asked for some type of forbearance or arrangements until my income resumes. ( I had asked this during the pandemic and been ignored They told me after being transferred around that they could not help me until I was in Collections. I asked about any XXXX XXXX programs. They said sorry we can not help you until you are late with your bills. I said im being proactive is fixing the problem. Starting in XX/XX/XXXX and follow-ups in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I I sent letter asking for up to 7 years of credit card statement to which I have received nothing. I have asked for debt validation. DISCOVER has not replied to requests. DISCOVER has not reach out to me about this.DISCOVER this past month decided to file court action in a attempt to collect debt.
07/05/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CT
  • 06360
Web
I filed a dispute in the early part of the month of XX/XX/XXXX for many fraudulent charges that took place for more than a year. The disputes amounted to over {$6000.00} in unauthorized purchases. The charges dated at least back to XXXX of XXXX maybe further, and continued until XXXX of XXXX. When I started the claim I spoke to a representative about the unauthorized charges that I noticed after some time had passed. I had my card paid automatically and never really looked at my electronic statements. I informed them that my wife had a similar discover card with them and that we had done low interest balance transfers from high interest cards to a discover card. I was not sure and I confused that I was the one who put the balance transfers on the card. Under that pretense and the fact that I didnt really look at my statements, I did not think anything of the higher payments. When they asked why I took so long to report the charges I explained these things to them. And when they asked how I finally noticed I told them that XXXX XXXX had informed me of similar charges suspected of possible fraud just on a smaller scale. I filed a claim with XXXX XXXX for the fraudulent charges as well and my charges were refunded. I told them upon checking my cards I saw these charges and noticed they were the same charges similar to the ones XXXX XXXX informed me of. It was at that point that I realized that the balance transfers were mostly on my wifes discover card. They went over the charges with me and filed the claim. I was called by someone shortly after asking about the claim and asked the same questions about why I took so long to file the claim and why did I finally notice. I told them the same thing that I told the previous representative. I also mentioned that we had our direct neighbors move out in XXXX and at some point a few years prior my wallet was missing and they returned it to me. So I felt they could have obtained the numbers of my cards. In addition shortly after they moved out we were informed by our isp that they had been using our WiFi for years and that they somehow had the password. I was told that my account would be credited for the charges in question while they researched the claim. They totaled {$6800.00}. I was called a week later and asked the same questions again and again I answered the same way I had previously. I was called a month later or so and told that my claim had been denied mainly based on the fact that I waited too long to file the claim. I asked about appealing the decision and they gave me the run around and discouraged me from doing so and advised me to pay more attention to my statements. Attachments include Discover Statement that shows all disputed charges and total amount which was temporarily credited. Second upload is a screen shot of an email from XXXX XXXX assuring me that I am not liable for these charges as I did not make them.
09/27/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • PA
  • 17044
Web
Our credit card was used for fraud charges through XXXX from the end of XXXX through XXXX.We started out as disputing the charges with discover card then we were told by discover that we had to go through the fraud department. My husband had an account through XXXX, where he did sports betting a few times, but that was it. My husband 's discover card and his XXXX XXXX card got compromised through his XXXX account and our discover card got charged over {$5800.00}. We tried to call XXXX with no response so we continued working with discover. We started the disputes in the beginning of XXXX for all of the charges from XXXX to then be told that we had to go through the fraud department. We filed through the fraud department in XXXX after 2 months of this going on with discover. We were told we had to go through XXXX. We were told it was not fraud the end of XXXX because my husband had an account with XXXX. Why do we have 24 hour protection? Just because someone has an account doesn't mean someone can't hack into your credit card. We continued disputing with discover for over a month going back and forth and being told it was not fraud but they were going to continue to investigate. At the beginning of XXXX we called for the 5th time in over a month to discover and were told that they did not investigate all of the {$5800.00} that they were told to investigate and they were going to look into it more. They put a hold ion our account for the transactions and did not make us pay anything after being on the phone with them for 3 hours. They told us we had a credit for XXXX and something they were putting on our account for some of the XXXX charges from the billing department, to later be told the middle of XXXX that it once again wasn't fraud because my husband had an account. The billing department said they found a lot of the charges in our favor and said that XXXX did not answer a lot of the disputes and this was why. It all came from the same account that my husband had through XXXX where he was hacked. Shouldn't all of the charges be forgiven then? We have called 3 times after this and have not paid our payment that was due XX/XX/XXXX and we are not paying anything until this is resolved. There are still {$1900.00} charges that are fraud on our discover credit card that discover is refusing to do anything about and is telling us we need new evidence to open up the case again and have to go through XXXX. I'm tired of dealing with this because it has been ongoing since XXXX and discover has not been any help. We are supposed to have 24 hour fraud protection and just because someone has an account doesn't mean they can't get hacked ; it happens everywhere all the time. If you could be of any help it would be greatly appreciated. After this mess is over with we are cancelling our discover card because of the way we were treated and we will not recommend them to any one again.
10/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29229
Web
Consumer Financial Protection Bureau : I wish to dispute any and all association with Discover Card credit account tied to my credit score. At no time have I ever had an account with Discover Card, nor have I ever authorized anyone to open such an account. I humbly request that all references to this account, and the negative marks related to its delinquent status, be dissociated from any record of my credit history. I began checking my credit regularly several years ago after the report of a substantial data breach within the South Carolina Revenue Service. Using the XXXX XXXX app I noticed an account with Discover Card was under my name. After beginning my investigation in earnest, my then wife and now ex-wife informed me she opened this unauthorized account. At no point did I ever receive a Discover Card, a statement was never forwarded to me, nor did I ever make a single purchase using that account. I have contacted Discover Card dozens of times informing them that this account was created without my consent. Protests have been filed and appeals have been submitted. The only Discover Card associated with this account that I have ever seen is in the name of my ex-wife. I have never be in possession of a Discover Card with my name on it, nor have I ever made a single purchase of any kind with such a card. Furthermore, I have produced the divorce documents stating that my ex-wife, ( name redacted per your request ) takes full responsibility for addressing the balance of the Discover Card. This is account is NOT responsibility. I authorize your organization to do a full review of my credit history and consult with any and all of my other creditors. You will find no other late or delinquent accounts, nor any accounts that were ever late or delinquent. Actually, you will find that I have paid off every vehicle and or loan early. My mortgage has every so much as had a late payment of any kind. Please, I beg your agency to use a modicum of discernment regarding this circumstance. All logic points to the fact that this delinquent account is not mine. Discover is engaged in character assassination of the most odious kind. I have thousands of dollars of debt in my name, all being serviced and reduced in accordance with the original terms agreed to with my creditors at the time each account was established. A credit score is supposed to an attempt to accurately display a persons credit worthiness. Due to Discovers refusal to clear my name, even though they MUST know this is not my debt, it continues to negatively affect my good name. I ask that your agency correct this travesty by removing this erroneous information for the reporting of my credit history. I you will just give me the opportunity, I am will to speak to anyone, travel anywhere, supply documents, provide affidavits, etc. to clear my name and correct this injustice. Thank you for your consideration.
11/16/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MI
  • 48322
Web Older American
RE : Discover Credit Card acct ending in XXXX ; with unauthorized uses, requested a " cease and desist '' Discover refuses and continues to call me 3-4 times every day. Summary of facts : - I opened a Discover card in XX/XX/XXXX account ending in XXXX, - I used this card one time in the first month i received it -This account was paid off completely and never used by me or anyone I authorized. - I had actually forgotten I even had the card But then : - a month or so ago I began receiving collection calls from Discover, I informed them this was not my charges to please stop calling, - Discover never stopped calling, they call me 3 to 4 times every day - I am not home, due to work from XXXX to XXXX - I am XXXX yrs old, with a XXXX XXXX among other illnesses and exhausted - On XX/XX/XXXX ( Saturday ) after receiving more calls that day, talked to Discover, the representative said I owe over {$5000.00}, I again informed the representative these charges were not mine. -I was transfered to someone else, I believe from fraud dept. - NOTE : the Discover rep never asked me verifying information - We went over charges and they informed me which accounts have been used to make or attempt to make payments _I was very surprised I was able to obtain all this information without providing the necessary information to identify who i am. So i am thinking, maybe this is how whoever did use my Discover account was able to put on this charade for so long. - PLEASE : I implore you to listen to the call on XX/XX/XXXX- It was record and incase Discover tries to claim they do not have this recording. I did record most of it myself and would be happy to give anyone access. - What surprised me more was although I informed Discover these charges were fraud or ID Theft. They never considered filing a report. - Discover rep even admitted to me mistakes they made - I have disputed this account as part of ID Theft and requested it this trade-line to be deleted or blocked from my credit report -Discover has refused to do any of this or anything they a required to do under the law. -Discover is reporting the account as negative on all my credit reports - I am again demanding a CEASE and DESIST with this account and Demanding it be removed from my Credit reports. - Having negative information on my credit report jeopardizes my employment. My employer pulls my credit report at least 2x every year and always near the end of the year. Therefore, I am in immediate risk of losing my job and at my age that would destroy my life. -I Must work 4-5 more years to have enough to live on through retirement. - I have never missed a payment on any account that is mine in my life. THESE CHARGES DO NOT BELONG TO ME AND DISCOVER WILL NOT STOP HARASSING ME AND IT IS HAVING AN IMPACT ON MY PHYSICAL HEALTH. I just do n't understand why Discover will not follow the law, they know what the law requires.
06/01/2017 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • NY
  • 131XX
Web
I recently refinanced my student loans with XXXX refinancing company. On XXXX/2017, a check was disbursed to Discover Student Loans in the amount of {$58000.00}. This disbursement brought my balance with Discover to {$0.00}. My online statements with Discover showed that as of X/XX/2017, my account had been paid in full. On X/17/2017 Discover Student Loans withdrew {$680.00} from my personal bank account. ( I had been on automatic payments with Discover for the lowered interest rate incentive ). On WednesdayXX/XX/XXXX17, I checked my discover account to make sure everything was all set. It was then that I discovered that the balance had been paid off in full on XX/XX/XXXX17, and yet Discover still withdrew my full monthly payment from my account. I contacted Discover and spoke to a supervisor XXXX, about the issue. She looked into my account and verified that the payment of {$680.00} from my personal bank account was taken after the loan was paid in full, and that they had also overcharged the refinancing company, with the final balance of overcharged funds being over {$700.00}. I was assured by XXXX that this was an error on the part of Discover and that my personal bank account would be refunded the full {$680.00}, and the remainder would be refunded to the refinancing company. XXXX told me to expect the refund byXX/XX/XXXX/17 and if I did not see it appear by then to call back. As of XXXX/XXXX/17 at XXXX there was no refund posted to my personal bank account so I called Discover. I asked to speak with XXXX but was directed to another supervisor XXXX. After looking at my account " thoroughly '' and checking previous notes about the situation, XXXX informed me that my refund was being looked at by Discover 's finance department because " there seemed to still be charges on my account ''. At this comment I informed XXXX that my balance was and had been {$0.00} since XXXX/XXXX/17, and that XXXX had assured me that Discover would refund me {$680.00}, because of the overcharge. XXXX informed me he would talk to XXXX onXX/XX/XXXX17 to see if they could straighten things out, but he also led me to believe that I would not be refunded {$680.00}. Over the past year I have had multiple issues with Discover with overcharging my account, and manipulating my account without informing me. I have previously filed a complaint about this company, and I was given explanation and told that I would have no more issues. I am extremely frustrated by this whole situation, especially since my personal bank account is involved. I know this may be subjective but I ca n't be the only customer this is happening to, and it is very discouraging to essentially not be able to do anything about it. Though I know it may not be a lot to some people, but {$680.00} is a lot of money to me, and I would like to fix this issue and make sure the same is n't happening to other customers out there.
11/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • XXXXX
Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 that states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies, I am the consumer and I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 that states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Discover Bank, XXXX and XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 in section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, Discover Bank and XXXX and the Consumer reporting agencies XXXX, XXXX, and XXXX did not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) clearly states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Discover Bank, XXXX and XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Also 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A also states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. And 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Thank you.
10/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 08638
Web
To Whom it May Concern ; This is in reference to the Consumer Report sent by DISCOVEBANK. While checking my credit report, it came to my notice that DISCOVEBANK has furnished an account ACCOUNT # XXXX on my Consumer Reports. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major Credit Reporting Agencies " XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by DISCOVEBANK will amount to Communication. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information, I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information ot nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ACCOUNT # XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or DISCOVEBANK, except a communication, confirming your acknowledgment of this letter, is in violation of my Federally Protected Consumer Rights. If you do not cease communication I will escalate the matter to a Federal Complaint. XXXX XXXX XXXX
01/02/2017 Yes
  • Credit card
  • Billing disputes
  • GA
  • 30310
Web
I contacted " XXXX '' for pest control services for mites that are in my house. For about 3-4 years I have had problems with these insects and used various pest control companies. to apply chemical application, which did not rid the house of this pest. Tech from " XXXX '' came by and performed inspection and sold me the idea of " Thermal Heating '' a service that was " Guaranteed '' to kill all nuisance ( mites ) insects in the entire house.. The price for this service was expensive, but for the results guaranteed, I was willing to spend the money required : {$1000.00}. Note : This insect has caused me and others ( validated by medical records and individuals that have visited my home ) health problems and over the years had to stay in hotels at various times to regain my health to go back to my home. In paying for this transaction, I used my DISCOVER card to pay for this service. In retrospect the " Thermal Heating '' did not work, resulting in me going to hospital for XXXX and hotel stay. Contacted the company " XXXX '' immediately on problems and for several days did not respond. I had asked prior to service the warranty and was told they warrantied there service and guaranteed their work. Finally they sent a Field Manager out to review the property and I met with her and offered her a bug glue trap to take and have it looked at by an scientist of insects to perhaps validate the bugs on the trap. The trap was taken and to date have not gotten any results of the trap, followup call on warranty service ( re-do ) or any plan of action for resolving this matter. So after the first week of contacting said above company on this matter, I contacted Discover to dispute this charge. I sent Discover pages of documents per the ( FCBA ) to validate charges for goods or services not delivered as agreed, services not given as described and finally " Warranty '' for services promised but not delivered. Discover sent a vague letter XX/XX/XXXX, that they could no longer continue this dispute, unless I had additional information. XX/XX/XXXX, I sent additional information, disputing this charge. In validating legally the infractions this company made per this service I contacted the State of Georgia Agriculture Department who licenses this service, who reviewed the file per my case and wrote up XXXX violations by " XXXX. '' In the meantime, I received another note from Discover ( in my account file ) that in turn stated that they would not reverse the charge. I called Discover and told them of the State findings of violations and would it make a difference to send it to them and would they re-review the case and the agent stated yes. To Date, they have not and still are demanding a payment on this account immediately. Discover has not to date disclosed " why they will not reverse the charge '' specifically in writing ; nor given me any documents validating their decision,.,
07/02/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NV
  • 89147
Web
XXXX XXXX XXXX XXXX XXXX have filed a lawsuit against me for transactions I disputed on my Discover Business card. I provided XXXX XXXX with copies of FTC IDTheft Affidavit, XXXX police reports and copy of IDTheft protection product coverage paid for 4 years to discover. Also, XX/XX/XXXX a lawsuit class action against Experian was settled on individual basis. Experian was the provider of the IDTheft product I paid Discover every month since XX/XX/XXXX. All documents were ignored and thus costing me thousands of dollars to fight. I have not been able to turn in claim re-emburisment papers as this is never ending. I spoke to XXXX XXXX, attorney from US Dept of Justice and sent him various recorded conversations of people posing as federal officials threatening to seize all property and jail me but could not offer help, per se. NV AttorneyGenerals office told me to file a " private right of action '' but I ca n't find an attorney licensed in NV. Discover and XXXX have violated in excess of XXXX consumer violations including facilitating third-party payment processors and high-risk merchants illegal activity on my cards and provided no risk management. In fact, " I provided an obscene amount of documents from websites scam reports, blacklist, XXXX, even CFPB 's case fining Discover XXXX for their IDTheft product. I 've pressured corporate office fraud/disputes to review my case and demanded documentation validating disputed transactions. Nothing was done and letters stating charges were valid, were sent and no docs showing a bonified offer or service. I have also made a {$2000.00} payment that did not post or reflect my balance and Discover debited my XXXX XXXX checking account XXXX unauthorized. This caused overdrawn fees and return check fees. They have pounded and dictated my life for years, took my money, ruined my credit, and made me unable to get a job. My life as I knew it is gone. I 'm not the same person. I do n't trust ANYONE, I 'm unable to focus & complete tasks, and i 'm an hour late for everything because of anxiety of leaving my home. it seems people or XXXX dollar companies can do whatever they want to whomever they want and there 's nothing I 've been able to do about it. Discover and XXXX XXXX have ruined my life and my relationships from living in constant crisis in defensive mode. I 've done so much research and work and none of it has been acknowledged or taken into consideration as to my dispute. I feel like I 'm spinning my wheels and it 's a state of hopelessness to get any kind of justification for the criminal and fraudulent happenings that are taking place, from any government entity. I do not presume to have the knowledge that your division has spent years of experience and perfecting what is a fair penalty for consumer red dress, but I implore you and seek your intervention as I no longer can fight. I am financially out of resources.
04/02/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • GA
  • 30088
Web
In early XX/XX/2018 I called the Discover XXXX number to speak with a customer service representative. I inquired on the steps I would need to take to request an increase in credit since I had made all payments on time each month for the past year. I currently had a limit of {$200.00} ( that I had paid for a year ago ) and was told that I would need to show {$2300.00} in my bank account in order to request the max limit of {$2500.00}. This CSA told me that Discover would withdraw the funds from my account and return within 8 business days after the credit limit increase was completed. I waited a few weeks to call back and complete the application over the phone. The second CSA told me the same information, that I would receive a check in the mail within 8 days to refund me not only the {$200.00} I previously paid a year ago but also the {$2300.00} that would then be withdrawn from my checking account if I am approved for the increase. She then asked me many questions and submitted my request. I was approved for the max amount and was excited to receive this increase as I was in the process of building my credit. This limit increase from Discover definitely increased my credit FICO score and I was happy with my decision. I waited a few weeks for my {$2500.00} check from Discover to arrive. I had not received it so I contacted their customer service line for a 3rd time. This CSA encouraged me to be patient and made it very clear that my {$2500.00} check was on its way. I then waited an additional few weeks to all back again. This time, the CSA informed me that I've been given false information by previous reps and that I would need to wait a full year for my account to graduate to an unsecured card or either close my account and then the check would be sent to me. Her manager also reiterated the same thing. I declined because I had no reason to close this credit card account and have to endure a major credit score drop. I was extremely mislead and and deceived by Discover CSA 's. I reached out to corporate a few days later to file a complaint. The account manager informed me that he would need to investigate the previous calls and get back to me on how to proceed. I finally spoke with this same guy after two weeks. He admits to me that he listened to the calls I had with the CSA agents and confirmed that I was given false information and that I would not get my money back. He offered me a {$100.00} credit to the account and said that he would be sure that these agents received coaching to be made aware of the processes and guidelines that Discover has. I declined the credit and informed him that I would escalate matters. I truly hope that the Federal Trade Commission resolves this issue and has Discover send me my {$2500.00} back instead of keeping my money. I have been completely mislead into requesting this increase and am not ok with them keeping my money.
03/23/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • PA
  • 16803
Web
In XX/XX/XXXX, I received a call from Discover Student Loans and they inform me that my loan was about to be charge - off due to a lack of payments.Because I could not afford to pay the minimum amount ( {$700.00} per month ) required Discover Student Loans and I was only paying {$100.00} - {$200.00} per month due to my income, my co-signer and I were informed that I needed to make a payment of {$400.00} in order to avoid the loan to be charge - off. A payment of {$400.00} made in XX/XX/XXXX as requested and but few months later I was informed that my loan was charge-off. In addition, I called Discover Student Loans and I informed them that I was planning to go back to school on fall XX/XX/XXXX and I was told that as long as I am enrolled in school, I did not need to make a payment. And I would have to make payments again after the end of the semester. I attended fall XX/XX/XXXXsemester at XXXX XXXX XXXX XXXX. After the fall semester ended, I went to Discover Student Loans in XX/XX/XXXX to make a payment and the blocked my account and I could not make any payment. Few days later, I started receiving multiple calls from Discover Student Loans and they informed me that my loan charge - off. Thus, I explained that I made a payment in XX/XX/XXXX and I was in school on Fall XX/XX/XXXX and my student loan should never have charge - off. They promised to investigate and let me know that outcome, but they never call or email the results of the investigation. Few days later I ran my credit report and Discover Student Loans incorrectly reported my loans as delinquency.Thus, I called Discover Student Loans and I reported to them that I was receiving conflicting information from Discover Students Loans and it was creating problems on my side. I requested a written clarification and they informed me that the would send me via email, but I never received anything. Then, I received a call again from Discover Student Loans threatening me with a court action. According to them, Discover Student Loans was preparing to send my file a lawyer and they would not have control of the case if it goes to a court. And they requested me to make payment equivalent to {$700.00} per month which I can not afford. I requested a lower payment and they put me on hold for 20 + and they informed me that they could not do anything but the were going to transfer to a different department to negotiate a lower monthly payment. But I was told that the " department was close '' in the middle of the day. I account was unblocked after I complained and I was able to make a payment of {$200.00} onXX/XX/XXXX.I was not able to make payment in XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXXbecause they was blocked. I received the loan in XX/XX/XXXX-XX/XX/XXXX to cover my schools expenses at XXXX XXXX University. The total was {$40000.00} and today the balance is {$74000.00} due to extremely high interest rates.
07/19/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OH
  • XXXXX
Web Older American
It is my opinion and firm belief that Discover Card and subsequently XXXX XXXX committed fraud and failed to honor its consumer protection policy on an item never received by the consumer causing the consumer anxiety, shock, emotional distress, and monetary loss. Employees failed to honor consumer protection policies and attempted to deceive the consumer even going as far as sneaking charge-backs onto the consumers account without notifying the consumer. On several occasions Discover posted We sent you a letter via mail or secure message at Discover.com about this investigation which includes a copy of documentation we reviewed. under disputes however never sent a letter or secure message including documentation they reviewed. Only the consumers due diligence in reviewing the disputes page revealed the deception. The disputes page is NOT the Discover secure message. Employees attempted to deceive the consumer that they had received correspondence from XXXX that the charge was valid however no new documentation had been received and a prior review of initial documentation received resulted in a ruling by Discover that it was an invalid response and the temporary credit was reinstated to my account. Employees attempted to browbeat the consumer when they removed the temporary credit claiming that XXXX had my name and credit card and that they therefore could not dispute the charge despite the fact that there was no new documentation from XXXX and that XXXX had ruled in my favor. Employees fraudulently replaced a closed investigation found in favor of the consumer with a second review stating the charge was valid without notifying the consumer. Employees attempted to deceive the consumer that the temporary credit had to be removed to balance the account despite the fact that Discover had applied a courtesy credit and the matter had apparently been resolved. Employees refused to allow the consumer to escalate his complaint to speak with a supervisor claiming the supervisors were not available and in one instance claiming that they sent the supervisor an email and that the consumer would hear back in 72 hours even though a supervisor never called back on the stated complaint. Employees failed to acknowledge that the consumer had provided documentation that XXXX had ruled in favor of the consumer and had allowed the chargeback. Despite a call to XXXX XXXX XXXX on XXXX-18 and discussion with XXXX XXXX who committed to investigating my complaint and responding in two business days, Mr. XXXX only called back 11 days ( accounting for XX/XX/XXXX holiday ) later on XXXX-18 and had NOT resolved the complaint. Mr. XXXX had introduced himself as an associate however a search on XXXX revealed that Mr. XXXX was a coach/supervisor. Discover refused to connect me with Independent Director of Internal Audit, XXXX XXXX XXXX. As promised I am filling a complaint with the CFPD.
03/02/2019 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • AK
  • 99502
Web
In XXXX, I began to experience harassment from Discover Student Loans. I had never received any billing statements or been advised of amounts due. The situation escalated when they began calling my elderly father every day, resulting in considerable distress for him. To stop the harassment, I agreed to let Discover extract $ XXXX/mo directly from my credit union account on the XXXX of each month, which they have done since XX/XX/XXXX. They stated that this would stop the harassment calls, but that I would continue to get threatening notices by mail, which I did receive. These notices include threats of turning my account over to a collection agency, even though payments were being made. I consider this to be an additional and unnecessary form of harassment, after agreeing to automatic payment arrangements. The most recent payment was removed from my bank account on XX/XX/XXXX. There has never been any problem with my monthly payments. Funds have been available every month, and all payments have been processed as agreed. My records show that this agreement is in effect until XX/XX/XXXX. On XX/XX/XXXX I began receiving emails stating that my account was unpaid and overdue as of XX/XX/XXXX, despite the fact that Discover was still removing {$370.00} from my bank account every month. This email harassment has continued almost daily. My phone is showing 30 missed calls from ( XXXX ) XXXX, which is more than ridiculous. I have called Discover, and was told that I did not have any sort of payment agreement with them. If that is the case, how are they still taking money out of my credit union account every month? I have also sent messages several times per week via their online message center. I have received only generic replies. My online account center shows that the payments have all been made, and my bank statements also prove this. I am fed up with this harassment. Discover has failed to correct their error, and I am sick and tired of trying to resolve this matter with them. Their pat response is, Well, you need to call a different number so one of our account specialists can help you. That number is already unattended by the time I get home from work. I am not wasting any more of my time on these incompetent morons. They have had every opportunity to resolve this matter, and have failed to do so. My account is NOT overdue. My payments have been made every month as agreed. I have never agreed to any change in terms or due date, nor have I been advised of any status change regarding my automatic payments. I am requesting an investigation to determine why my payments are not being acknowledged and/or credited to my account. Im sure Im not the only person who is experiencing this type of unnecessary harassment from Discover Student Loans. This should be a very simple matter to resolve, yet Discover has refused to do so. Thank you for your assistance.
09/09/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Account sold or transferred to another company
  • MS
  • 39503
Web
On XX/XX/XXXX, at about XXXX, I searched online, hoping to find a cheaper auto insurance and found " XXXX XXXX XXXX Quotes '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After putting in all my information, including social security number and car vin number, it led me to " XXXX * Insurance ''. I was charged {$470.00} for a " policy '' on XXXX, XX/XX/2022. At XXXX I received an email letter " Your new XXXX policy '' from " XXXX ''. I tried to open the link to see the details of the " policy '' but failed. It says " We're Sorry Our site is currently experiencing technical difficulties. We apologize for the inconvenience. For assistance, please contact Customer Service at XXXX. Note : Due to maintenance, our site may be unavailable from XXXX XXXX to XXXX XXXX XXXX Monday through Saturday and XXXXXXXX XXXX. to XXXX XXXX XXXX Sunday. '' I called ( XXXX ) XXXX four times but all the customer service representatives could not find any information related to me. Then I noticed in the transaction text message sent by Discover bank that the merchant 's name was " XXXX * Insurance ''. But the real XXXX has no " * " between " XXXX '' and " XXXX ''. I sent an email letter to " XXXX '' but received a reply : " Unfortunately, the email you replied to is an automated notification, which is unable to receive replies. " I also could not find the phone number in my Discover app 's Transaction Details. I called Discover bank 6 times, but the fraud department told me that it was not a fraud because I willingly put in my information and authorized the transaction. The billing department told me that the money was in pending and the only thing they can do is to wait for ten days after it is posted and then they might raise a dispute, start an investigation, wait for the merchant to provide paperwork to validate/invalidate the transaction. I told a manager of the billing department : It was not a real merchant. They intentionally created a fake website disguised as XXXX XXXX. They did not sell anything to me, except an email letter with an un-openable link, let alone any auto insurance. I did put my information in their website but it was obviously a scam. As my bank they should stop the loss on my behalf when I reported the scam as soon as possible when I found I was scammed and repeatedly petitioned Discover bank to stop the transaction. She told me they can do nothing about it for now. I need to wait for 10 days to raise a dispute. I was cheated by a scammer who intentional created a fake website under the disguise of a real company. The scammer leaves the contact information of the real company. I do not think the cheater would react and provide paperwork to Discover bank. Therefore, I have to report this scam to related authorities in order to save more victims.
07/06/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • TX
  • 77536
Web
On XX/XX/XXXX, I received a voice mail from a lady named XXXX around XXXX and on the voice mail she threaten to take legal action if I did n't return her call by XXXX. She left XXXX numbers on the recording : XXXX and XXXX. Because of the threating tone, I told my XXXX husband, XXXX. I provided him with the phone numbers because I was experiencing mental anguish over the nature of the call and had not gathered my composure. He called and XXXX XXXX answered the call. XXXX XXXX was rude and told me that she was calling about the debt associated with a discover card account # XXXX in the amount of {$2900.00}. I indicated that we both had experienced episodes of identify theft and I would like to speak to her supervisor. At that time, she placed me on hold and I was able to speak to XXXX XXXX XXXX. I asked XXXX XXXX when was this debt incurred and she stated that the account was open on XXXX and closed XXXX. When I asked XXXX XXXX why was she attempting to collect a debt over eleven years old, she stated that her company just got the account. When I told her that she was not following federal guideline as a debt collection agency, she became irate and evasive. I asked to proof her identify by reciting her driver 's license and she refused. I told her that she had not validated the debt. I told her to show proof that the debt was assigned to her collection agency along with the date and by whom. XXXX XXXX hung up the phone. In fact, the phone was hang up on me XXXX or XXXX times each time I called back. After getting off the phone, I told my XXXX wife that someone is conducting an illegal investigation into our credit background. I asked my XXXX wife did she know anything about the debt and she told me that that account was dissolved in bankruptcy court in XX/XX/XXXX. After this incident, I researched this collection company, XXXX XXXX XXXX, and found the owner to be XXXX XXXX and that the company was bonded XX/XX/XXXX. As with a similar complaint on file with your agency # XXXX, this above named collection agency had no legal standing to attempt to collect a debt that was already liquidated and well out of the statute of limitations. Please have XXXX XXXX provided his occupation over the past twenty years and the name of the individual, his affiliation, his company, the creditor who forwarded this account to his collection company. Also, please have XXXX XXXX provide documented proof that this debt was assigned to him by the original creditor, a workable phone number to reach said individual and the driving license number of said person, and again the date that this debt was assigned to his company. The request for a driver 's license of the person who transferred this debt is significant because we believe that this is a bogus and fraudulent attempt to collect a debt and it violates the fair debt collection practices. XXXX XXXX and XXXX " XXXX '' XXXX
06/27/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28210
Web
discover bank closed my account and we agreed through a verbal communication that I would pay {$62.00} a month. The date for this was never confirmed. The person simply stated the first one would be withdrawn from my account on the XXXX of XX/XX/2018. Discover gave you an online website. On this online website it does not list any arrangement or dates and also does not show a payment pending. On XX/XX/XXXX I went to the online site and made a payment of {$50.00} dollars because after waiting over a week for something to post nothing had posted to my bank account. I also called Discover and told them I did not see anything posted and the payment where not showing online. they informed me they don't show this information on line and they don't send out letters but said the agreed about was {$62.00} and it was coming out on the XXXX of each month. I informed discover on XX/XX/XXXX that I was not comfortable having an agreement where I had no written information on what the agreement was and one where payments would not show up any where and I would receive no statement about the debt or amount owed. Discover stated they would try to mail out a letter on the XX/XX/XXXX and that the payment of {$50.00} would be reversed since they already processed a payment of {$62.00}. Neither of these happened. The payment of {$50.00} went through and on XX/XX/XXXX XXXX received an email that the payment of {$62.00} did not go through. At this point I was confused how almost a month later Discover is just now processing the payment. I went onto their website and scheduled a call for Friday XX/XX/XXXX at XXXX EST. did not receive a call till Saturday XX/XX/XXXX at XXXX in the morning. Nothing was resolved. Stated again I wanted a letter talking about the arrangement was told one would be emailed to me that day. Nothing has been received. Scheduled another call for Monday XX/XX/XXXX at XXXX. Received a call on XX/XX/XXXX at XXXX. Spent majority of the call on hold and explaining to them that after getting my scheduled call 30 minutes later I did not have a lot of time to talk. Although they seemed to just want to update information. Asked again for a letter to be sent out on the arrangement this time via mail. Was told I already requested a letter. Discover bank is making it impossible to work with them and refusing to send out information related to the terms of a payment arrangement of the debt. they give you an online system but nothing can be honored on that system. At this point Discover can pull whatever amount they want at any time and I have nothing to back this. They are not answering when calls are scheduling and when you do speak to them on the phone they lie to get you off the phone and do not do what they stated they will. this hostile attitude is making it difficult for me to trust the issue will not become a larger one. due to multiple lies already done.
11/18/2023 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • OH
  • 45231
Web
I have been in repayment with Discover since XXXX, the year I graduated from college. Since then I have never missed a payment that resulted in default. I have always found a way to make my payment but recently my finances have became worse. Since XXXX of this year I began to struggle making my monthly payments on time. I inquired about refinance, payment assistance programs, and deferment. With the interest rate increase, my minimum payments increased from {$800.00} to {$1400.00} a month, making it impossible to make the payments on time. I didnt qualify for refinance, which I tried several times, the repayment programs didnt last long and were only temporary. The last payment plan I was on dropped my payments from {$1400.00} to {$1100.00} which was still impossible to pay. I began paying what I could. On XX/XX/XXXX I spoke with a representative about the public service deferment. A public service deferment would mean me making XXXX dollars in payment for up to 36 months. The representative asked if I had did this type of deferment in the past and I said yes but Im not for sure how long I did it for. I asked if she could look it up to see and she told me she couldnt because I was in a payment program. I asked is there anyway you could see without me dropping the program, and she said no. At this point I had to take a chance because there system would not allow them to see past information. I decided to reach out to the XXXX XXXX and get a letter containing all the information they required to be entered into the public service deferment. Once I obtained the letter I called in on XX/XX/XXXX to let them know I was uploading documents and if they could see past information now. The representative said no you will need to drop the program, so I dropped the program. On XX/XX/XXXX I called to check on the documents that were uploaded. I was told you dont qualify and you cant get back into your program. I asked to speak to the supervisor to discuss this because I didnt think it was fair to have to drop the program to see if I qualified. I asked the supervisor to review the tapes because at the time I was unsure of what was said. I was told the supervisors would call me back after reviewing the tapes. I made several calls after no response to the supervisor, I made calls on the following dates : XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. Each time I called there was no update, or the supervisor wasnt there, or he will call you back, or he hasnt reviewed the tapes yet. On XX/XX/XXXX I spoke with the representative XXXX, who took the time to review the tapes. He stated I shouldve received a call back, he admitted that the situation was not right and that there system was not good. He said there should be a way to see all information regardless of what program you are in but told me I was out of luck and that I couldnt get back into my program.
09/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • AZ
  • 863XX
Web
I submitted payment. The company acted like I didn't send payment. I followed up and they closed my account. 16 CFR 433.2 ( b ) - The right as a debtor to invoke any claim and defense against any seller creditor of goods and services in connection with a purchase money loan. Assuming that DISCOVER is required to abide by GAAP ( general accepted accounting procedure or practice ) : 12 USC 1831- GAAP accounting ledger has to account for negotiable instrument ( A signed Application, Trade Acceptance, Orders are negotiable instruments ). 12 USC 1813 ( I ) ( 1 ) borrower is to receive credit for their negotiable instrument. DISCOVER is in possession of documents that are self liquidating paper according to 17 CFR 260.11b-6. The contract between the parties is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and a unconditional promise to pay, no different than a dollar. In order for DISCOVER to deny the instrument, the instruments needs to be returned with a notarized letter of dishonor and opportunity to cure. UCC 3-104 UCC 3-111 UCC 3-306 UCC 3-603 UCC 3-602 The consumer was directed to fill out and then sign a consumer credit contract which is an INSTRUMENT pursuant to 16 C.F.R. 433.1 ( i ) and 433.3 ( XXXX ). Account Number XXXX is evidencing the receipt of the EQUIVALENT of money when issued in exchange for INSTRUMENTS ie the Promissory Notes signed by the consumer at the inception of the account and to the current date pursuant to 12 U.S. Code 1813 ( 1 ) ( 1 ). The INSTRUMENT is a medium of exchange and money per 1 U.C.C. 201 ( 24 ) and is then used as collateral at the Fed window to apply for an equal amount of federal reserve notes 12 U.S. Code 412 which states the collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances or any obligations which are direct obligations of the United States and per 18 U.S. Code 8 " obligation or other security of the United States '' An IRS Form 56 was issued to the DISCOVER XXXX, XXXX XXXX and received by DISCOVER. This compels agents representing the CFO XXXX XXXX on DISCOVER 's behalf to act in the best interest of XXXX XXXX XXXX. By issuing a Delinquent Notice to my account, the XXXX for DISCOVER is in violation of a fiduciary duty. As this Fiduciary appointment was never accepted or rejected within 10 days, it is assumed valid as a non response is agreement under the law. Please note that this notice has been filed with DISCOVER local IRS location. As DISCOVER XXXX, XXXX XXXX has been appointed fiduciary and DISCOVER has opened, retained and accepted documents entitled and conspicuously marked SPECIAL TRUST DEPOSIT, those deposits are binding. Credit my account, which is entirely possible for the full amount on the instrument. Increase my credit limit to {$20000.00}.
09/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • AZ
  • 850XX
Web
Timeline : XX/XX/2022 : I opened a Discover Secured Credit Card with a {$200.00} deposit XX/XX/XXXX : Was told I did not meet tax requirements, and card would not be activated, and money would be returned. XX/XX/2022 : I called customer service, and was told that the reimbursement would take up to 60 days, and to call back then. I asked them to let me know when the time was near, as I would be changing addresses. End of XXXX : I had not heard from Discover, so I reached out ( knowing the date was approaching ). They then told me that a reimbursement check was sent to my former address. I asked them to cancel this check and send to my new address ( which I gave ), and was told shipment would take 10-14 business days. XXXX ( 2 weeks later ) : Without receiving check, I called again to customer service, who told me that the check was AGAIN sent to wrong address, as they did not update properly as promised in previous call. I then gave them my new address and received an email stating that the address was updated in system. Customer rep said that this check would be expedited, but to wait at least 7-10 business days. End of XXXX ( 2 wks later ) : Check didnt arrive. I called customer service, and they had no answers re : check, but said I was eligible to an ACH transfer, but that it would take 7-10 business days. I agreed to cancel the check and move forward. XXXX ( 12 days later ) : Neither the ACH deposit received or cancelled check ( that was promised to be in mail 3 weeks ago ) have not arrived. Called customer service, who escalated to a supervisor and said that they would escalate and expedite request, but to wait 7-10 business days. I was also promised for a call back for an update ( which I never received ). Today ( XX/XX/XXXX : 7 days later ) : Called Discover Card Customer Service, who assured me that ACH attempts have been made on two occasions. I then brought my bank on the line XXXX XXXXXXXX XXXX ) to discuss directly, and no transactions have been attempted. Meanwhile, the check ( now calncelled ) that was meant to be sent out a month ago has still not arrived. ( XX/XX/XXXX ) Customer service is now saying that I wont be receiving an ACH xfer, but a check instead, and that I need to wait for it to arrive, despite the previous promised checks never arriving. I am now waiting for another call back, and have been told that my case in under investigation, and that there is no promised timeline for an outcome. At this point, I dont trust that Discover is doing anything to rectify the situation, and may have to consider filing for loss/damages, as I have spent hours upon hours trying recover my money. As a payment-processing company whose job it is to oversee transactions, I find it extremely inappropriate ( and possibly fraudulent ) that they need over 5 months to return a deposit that they should not have qualified me for in the first place.
10/24/2017 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • AZ
  • 853XX
Web
I opened a Discover Bank Checking and Savings account on XX/XX/XXXX. I transferred {$5.00} from my XXXX checking account for the initial opening of both accounts, which was received and accepted on XX/XX/XXXX, I had also scheduled for {$50.00} to be sent to the new account on XX/XX/XXXX. On XX/XX/XXXX I received an email that both accounts have been suspended and to call immediately, which I did. Upon calling them, I was told the accounts were n't suspended, but actually closed and the initial {$5.00} would be sent back to the issuing bank and the {$50.00} that was in the process of being transferred would be rejected and sent back to the issuing bank, as well. It is now XX/XX/XXXX and none of the money has been sent back. I called them today to find out why the money had not been returned to my issuing bank. I was told a variety of stories : 1. The issuing bank had to send a letter of indemnity to Discover in order to return the funds. When I asked why, I was told it was policy. I explained I had been told in the last phone exchange that the money would not even be accepted, so I should n't have to jump through this hoop. I asked for a supervisor. 2. XXXX, the supervisor, continued to say that it was policy to get the letter of indemnification. I asked for the policy that dictates this. She led me to the National Deposit Account Agreement online, wherein it states that " We can close your Account at any time for any reason, including if the balance in your Account is zero. If we close your Account, funds on deposit will be disbursed to the Accountholder ( s ). '' I asked XXXX where it says anything about a letter of indemnification. She said it 's policy to require it. I told her she was a liar and wasted my time. I explained I could understand if they had policies in place to guarantee that I was me if I wanted them to send me a check, but I only wanted the money returned to the account from whence it came. I was n't asking them to return it directly to me, so they would have no loss and would therefore, not need a letter of indemnity 3. On a subsequent phone call ( we were disconnected ) to XXXX, she stated that when their " investigation '' was done and the letter received, they could release funds. I said, " What investigation? '' She said I was being investigated for fraud and that was why they needed the letter. She refused to tell me what prompted this investigation. I told her this sounded like a ruse to avoid releasing funds since it has not been mentioned in ANY other correspondence or communication. It was unlikely that I was committing fraud for {$50.00}! I believe Discover holds funds they are not entitled to in order to increase the interest they can get off those funds and the more hoops customers have to jump through, the better. They have told numerous lies throughout this process and they should be held accountable for this.
06/19/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • PA
  • 194XX
Web Servicemember
A company known as XXXX XXXX also known as XXXX XXXX has made attempts to collect money not owed and processed transactions for items I did not receive. The company attempted and completed charges to my credit card for items not owed nor did I receive or have possession of. XXXX XXXX also charged my card for amounts not even initially agreed upon in the amounts of {$140.00} and {$20.00} because the agreed to amount was {$280.00}. I initiated a contract in XXXX of XXXX for furniture for my father who has become ill. The first amount was processed that month in the amount of {$280.00} and would be {$280.00} thereafter according to the agreement. My credit card was charged for random amounts such as {$20.00} and {$140.00} which was never agreed to. The furniture was order in XX/XX/XXXX and I was told it would arrive in a few weeks. I was concerned with my father 's health and what would happen if I wanted to cancel the items and was told not to worry because I would be able to cancel the items at anytime and any amounts paid would be refunded in the event he had to have assisted living. My father became XXXX XXXX in XXXX of XXXX and I called the XXXX location to cancel the items which is where I initiated the agreement with XXXX XXXX and they said it would all be taken care of. I brought my father to the XXXX County Hospital Emergency Room in XX/XX/XXXX and he ultimately passed away in XX/XX/XXXX. However, I was still being charged for the furniture I did not pick up and XXXX XXXX stated that no one cancelled the order as discussed, but knew that the items were still at the XXXX location. I emailed XXXX XXXX in XX/XX/XXXX basically reiterating the same conversations I had with the XXXX location and with XXXX XXXX explaining that these items were cancelled and are still at the XXXX location. Everyone acknowledges that the items are at the XXXX location but still will not process a refund. I had these charges put on my Discover card thinking that I would have some protection in the event of problems because I was paying for items in advance of receiving them. I contacted XXXX to have these charges reversed because no one is doing anything at XXXX XXXX or at XXXX about these charges to my credit card. XXXX informed me today that their options are limited and said that the charges will remain on the card. Its like a nightmare because I have to relive the time my father passed away by having to re-explain why I cancelled items for purchases for a loved one that passed away. I am simply requesting a refund for items which is only fair because I never had possession of those items nor did I receive those items. I will attach a copy of the follow up email I sent to XXXX XXXX back from XX/XX/XXXX which they never responded nor returned any of my calls and an audio recording of them acknowledging that the lease was cancelled but no refund was ever issued.
07/22/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • AZ
  • 852XX
Web
On XX/XX/17, I purchased ( via telephone ) a sample of " XXXXXXXX XXXX XXXX '' and a sample of " XXXX XXXX XXXX '' ( for a total of {$10.00} ) from a company identifying itself as " XXXX XXXX XXXX '' in a television advertisement, having used my " Discover '' credit card to pay for my order. This order was billed to my Discover card and subsequently paid. I subsequently and unexpectedly -- received a package ( which I did not order ) via USPS, the label on which reflects the sender to be XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, and indicates the contents are " XXXX '' and " XXXX. '' ( As of this date, this package is still unopened. ) On XX/XX/17, my Discover credit card statement reflects a billing by XXXX XXXX XXXX XXXX XXXX XXXX an amount of {$89.00}, and an additional billing on XX/XX/17 by XXXX XXXX XXXX XXXX XXXX of an amount of {$87.00}, a total amount of {$170.00}. I assumed it was a billing for the aforementioned package delivered by USPS, again which I did not order. On XX/XX/17, I contacted Discover to dispute the XX/XX/17 and XX/XX/17 charges and was told the charges would be removed from my account and the matter investigated, and I was instructed to retain the aforementioned package pending the outcome of the investigation. I then received my XX/XX/17 credit card statement from Discover and found it to reflect two additional charges identical to the XX/XX/17 and XX/XX/17 charges mentioned above, again totaling {$170.00}. On XX/XX/17, I called Discover about the additional charges and was told that Discover would block my account so that the XXXX products company could not charge against my account any further. I was again instructed to continue to retain the unopened package mentioned above. I subsequently received correspondence from Discover stating the following : XXXXeve completed our initial investigation of your disputed transaction and have found in your favor. This means well reverse the temporary credit on your account and apply a credit adjustment. You will not be charged for this transaction, including any related interest or fees. I then received my XX/XX/17 credit card statement from Discover and found that Discover had not only reinstated the credited/disputed charges totaling {$350.00} but had added additional charges of another {$87.00} and {$89.00} ( totaling {$170.00} ), for a grand total of {$530.00}!! I feel I have been misrepresented by Discover, in that they informed me that their investigation results were in my favor and then subsequently reversed their decision after they received information from the company who placed fraudulent charges against my Discover credit card without my authorization. Additionally, the XXXX products company NEVER provided me with any documentation as was sent to Discover either at the time of my original purchase of the samples nor at any time thereafter.
02/22/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • NH
  • 03060
Web Older American
This is a complaint concerning the personal loans I received from Discover. I have always paid payments on time since this loan first started in XXXX. I was able to benefit from their pandemic forbearance program during the Covid disruptions. The scheme was set up in a confusing fashion by Discover Loans, though. Despite the fact that Discover had me signed up for this service, they kept contacting and demanding monthly payments. I asked Discover staff why payments were required even though the loan was in forbearance, and they used a tactic where they passed me from person to person, each of whom gave me different information. This forced me to merely make a payment to be in the clear and to avoid harming my credit. They persisted in doing that during the entire epidemic, and in XX/XX/XXXX, even though I was enrolled in the special payment program, they reported me as being 60 days past due. Normal monthly payments had resumed at $ XXXXmonth for more than a year until XX/XX/XXXX, when I enrolled in a program with lower payments that would let me pay $ XXXXmonth for nine months ( Reduced payment program ). Discover continued to call me while I was enrolled in this program and paying the $ 250 monthly payment, demanding the entire amount that they claimed is past due. My credit limit was recently reduced by XXXX XXXX on of my credit cards, according to a letter I recently got from the bank due a derogatory remarks on my credit report. When I reviewed my credit reports with the three credit bureaus, I saw that Discover has been reporting my late payments to XXXX, XXXX, and XXXX since XX/XX/XXXX, respectively. Since enrolling in this reduced payment plan, I have called Discover numerous times to inquire as to why my account is showen that i have fallen behind on my payments and what is happening with this program, as it displays that I am {$1600.00} in arrears while being on a reduced payment plan. Discover never once gave me the correct answer. They either use the transfer to different agents trick, drop the call after telling you they will transfer you, or simply say they have no idea and still demand {$1600.00} or whatever amount they claim is past due. I called a few days ago and was transferred to two different agents. One of them was a manager, and at the end of the call she informed me that she does not have any expertise in personal loans and is only trained in student loans, and she promised to leave a message for someone to call me back. Meanwhile, they have destroyed my credit and no one has called, despite the fact that I am paying them monthly on a supposedly reduced payment plan. I am XXXX XXXX XXXX and believe I have been discriminated against and abused because of my age. Most of the time, they are condescending and speak slowly and loudly, with complete disregard for my concerns. In most cases, they hang up without warning.
06/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • WV
  • 26501
Web
I changed my legal name due to the need for concordance between my name and my gender as a XXXXXXXX woman. I updated all of my identity documents and informed Discover Card of the change onXX/XX/XXXX by phone at which time Discover Card required no verification. A few weeks thereafter I received a request by XXXX on behalf of Discover for me to sign a pre-filled 4506-C form " for the purposes of identity verification '' and was threatened with account closure if I refused. I signed the form and then noted that Discover Card had incorrectly pre-filled the form. I called their Customer Service and was redirected to their security department, explained the situation, and received another pre-filled form which was also incorrect, which I signed. This occurred several times. I eventually received an email that their review had been concluded successfully. Over two months later onXX/XX/XXXX I received another request from XXXX on behalf of Discover for a 4506-C. I contacted Discover and was told that the message I received about the conclusion of the account review was not accurate, and was again threatened with account closure if I did not comply. I signed the ( again incorrectly pre-filled ) form. During this entire debacle I did my best to comply with Discover Card 's instructions and demands and offered them alternate means of identity verification such as my Driver 's License, Social Security information, the court order for my name change, and other documents, which they refused, stating that only my IRS information was acceptable while Discover 's security department made it impossible for them to actually access the information they requested. On XX/XX/ I discovered that my accounts had been closed due to " inability to verify information '' when Discover literally made it impossible for me to verify the information to their satisfaction. I have been a customer of Discover Card for over four years, have never had a late payment, and have never given them any reason to believe that I was a risk. I had two credit card accounts with them, one of which they increased the balance of during the period they were reviewing my account, which obviously indicates I was an excellent and responsible customer. It is not clear whether they intend to honor the 0 % interest agreement they made with me when I opened the second account and for which reason I transferred balances. This seems like a clear case of XXXX XXXX, since the information requested could have been verified in innumerable ways, as could my income and any other information that Discover Card might legitimately need to complete an account review. It also feels like harassment, as Discover sent me a notice that they had completed the review and then demanded further review, as though they would continue with this process until they reached the conclusion of closing my accounts.
05/24/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NJ
  • 085XX
Web
I am requesting copies of all complaints made about this bank to this moment unresolved. while this agency is charged with looking into discrimination etc nothing is being done and i have escalated my concerns about this. I continue to get responses from a nameless person likely XXXX XXXX not addressing anything. I know this is headed to court. i am no longer making payments on any account and will take legal action to protect my credt Everything referred to earlier goes unresolved. Notes, in a disciriminatory fashion i am now requesting copies of these notes on all my accounts that disable me from getting help i deserve. that any other bank would freely give. I want copies of all SIGNED credit card agreements since my legal research reveals class action suits have been inititated in this regard. I dispute the interest, i dispute that i AM being di sciminated against. I now have a legal course of action intended to protect my credit and will no longer get the nameless responses when i indeed requested a name be given in the response. Nothing is resolved. AND CFPB has been reported for accepting what is just a bunch of lies and scripts from a nameless person that i demanded be named as i have asked XXXX XXXX to not deal with my accounts. Notes on my accounts i ask for or will in discovery. No one will help me as they other wise would when i call and now no more payments. Let a judge decide. Promos promised then nothing. Interest assessed after i have been misinformed. I will be able to show a judge when the discriminatory behavior began, what it is how it affected my payments and my overall history never mind the time i have invested to create this papertrail. No doubt from a nameless person i will get another Stonewalling script saying " : we will investigate '' nothing is being investigated just dcripted by the same person being discirminatory. Who looks up disputes that are old implies i am a career disputer in a discriminatory fashion and provides wrong information. this behavior appears to still be unregulated. Send a,, documents i request and CFPB i have reported that while your duty is to investigate what i am reporting and have you are not. nothing is resolved. the person who answers must identify himself or i will not accept or likely use in court against this bank. with no other bank has this ever happened. I guess the thought is you bully me you will get what you want. we will see. now you get nothing. Send all copies of arbitraiton, name yourself, send all notes on my accounts that were put on so as to disarm anyone from helping me creating a discriminatory contentious environment. your denial of discrimination or so it seems will have to stand up in court. I read all about discovers fraud. I know this is XXXX XXXX this bank is so horrible no one else responds. i aint spinning my wheeels i am acting LEGALLY.
03/22/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • CA
  • 91911
Web
In XX/XX/XXXX/XX/XX/XXXX, my husband and I received promotions for Discover credit cards that offered " 5 % cash back on everything ''. We quickly applied and were approved. ( I believe I even called Discover to confirm it was 5 % cash back on everything ). In XX/XX/XXXX, we began using our Discover cards for ALL our purchases, expecting 5 % cash back, but I called Discover today and we are only getting 5 % on certain categories of products, with a ceiling on how much cash back we can receive, and only for this XX/XX/XXXX, and were getting 1 % cash back on everything else. On XX/XX/XXXX and XX/XX/XXXX, I received emails telling me to " activate 5 % cash back '', which was a quarterly program on certain categories of products ( groceries, gas, etc. ). We should've already had 5 % cash back on everything, so I thought this was an additional bonus and I activated it. I suspect that when I activated this, the original cashback reward program we were enrolled in changed, because nothing in the original offer ( a ) put any limitations on cash back purchase categories or ( b ) put a timeframe ( quarterly ) on the offer or ( c ) mentioned we would receive 1 % cashback on everything else. A Supervisor named XXXX at Discover in OH ( XXXX ) told me today " if I had the original offer they could adjust my account. '' Unfortunately, I don't have the original offer code, but I've asked them to have their " applications team '' look up our original applications with the specific " offer code '' they gave us, which would prove the details of their original offer. Unfortunately, they are in complete control of the outcome of this investigation -- because they ( a ) are the only ones who have the offer code ( I mean, who saves those? ) and ( b ) they can say whatever they want about what the details of the original offer were. Until we got our Discover cards, we had been using a credit card that offered 3 % on everything. We would never have knowingly switched to a card that only offered 1 % on everything and 5 % just on certain categories of purchases, only for one quarter, and with a limit on how much cash back we could receive. In the first 5 months that weve been Discover cardholders, weve spent at least {$13000.00} on one of the cards, so we were expecting about {$650.00} ( 5 % ) cash back. Weve received {$160.00} so far. Thats about {$500.00} that we were expecting but wont get. I was misled, and Im not sure how to prove it to you now. Who saves credit card offers they receive in the mail? I believe that Discover assumes that people do not receive those mailed promotional offers and takes advantage of peoples innocence to later bait and switch the rewards program they offer you when they see just how much cashback youd be eligible for under the original offer. Well see the outcome of their investigation, but I dont trust them anymore.
09/28/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60643
Web
I disputed a charge on my Discover account because the service was not provided. As a result the problem that I had them out for occurred again costing thousands of dollars and resulting in my contacting someone else to come out and fix the problem and I paid them for the service they performed. I offered to provide my credit card company with proof but I was told they did not need documentation at that time and if it was needed they would reach out and request it. On XX/XX/2023 I noticed the charge that was disputed was placed back on my account. I spent approximately 90 minutes on the phone discussing this. I was told the dispute was closed in the merchant 's favor and i was placed on long holds while they reviewed the notes so they could figure out what was going on. I initially spoke to XXXX who gave me attitude at one point, and was having a problem answering my question. I never received anything in the mail or via email about this dispute. So I found out the dispute was closed and ruled in the merchant 's favor when I called. XXXX asked me if I received the notification sent. I asked how it was sent. She placed me on a long hold came back and never answered me. After realizing she was having issues explaining what was going on i asked if I could speak to a Supervisor. She placed me on a long hold and came back and told me one was not available and she could have someone call me back. My main issue with her is that she raised her voice at me on the call which I took issue with because she was unable to answer questions and provide customer service. I attempted to call again about the same issue. I was transferred to a couple people before I got to XXXX ( I am not sure if this was her name ). XXXX told me that I would have to contact the merchant and have them agree to refund me. I explained that I had contacted the merchant before even filing the dispute. What she was saying to me made no sense. I explained that I had information to support my case but you closed my case and ruled in the merchant 's favor without asking for it or considering it. She was unable to respond to why my information wasn't being considered. After going around in circles with her I asked to speak to a supervisor. She said one wasn't available and she could have someone contact me in 48 hours. I asked her name and she disconnected the call. This is why I am not sure of her name. I was trying to address this before paying my bill. Since I spent a lot of time on the phone and was unable to get it addressed, I paid my bill minus the {$99.00} disputed amount. I will not be using my card anymore until someone contacts me back to discuss this and hopefully resolve it. I am finding the explanation I received incomplete and unreasonable and I would like my questions answered by someone in charge. This has been a horrible experience and a waste of my time.
10/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 93536
Web
CAL CODE OF CIVIL PROCEDURE 337. Written obligation ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Written obligation ; Four years Within four years : ( a ) An action upon any contract, obligation or liability founded upon an instrument in writing, except as provided in Section 336a ; provided, that the time within which any action for a money judgment for the balance due upon an obligation for the payment of which a deed of trust or mortgage with power of sale upon real property or any interest therein was given as security, following the exercise of the power of sale in such deed of trust or mortgage, may be brought shall not extend beyond three months after the time of sale under such deed of trust or mortgage. ( b ) An action to recover ( 1 ) upon a book account whether consisting of one or more entries ; ( 2 ) upon an account stated based upon an account in writing, but the acknowledgment of the account stated need not be in writing ; ( 3 ) a balance due upon a mutual, open and current account, the items of which are in writing ; provided, however, that if an account stated is based upon an account of one item, the time shall begin to run from the date of the item, and if an account stated is based upon an account of more than one item, the time shall begin to run from the date of the last item. ( c ) An action based upon the rescission of a contract in writing. The time begins to run from the date upon which the facts that entitle the aggrieved party to rescind occurred. Where the ground for rescission is fraud or mistake, the time shall not begin to run until the discovery by the aggrieved party of the facts constituting the fraud or mistake. Where the ground for rescission is misrepresentation under Section 359 of the Insurance Code, the time shall not begin to run until the representation becomes false. ( d ) When the period in which an action must be commenced under this section has run, a person shall not bring suit or initiate an arbitration or other legal proceeding to collect the debt. The period in which an action may be commenced under this section shall only be extended pursuant to Section 360. Californias Statute of Limitations on Debt The statute of limitations on debt in California is four years, as stated in the states Code of Civil Procedure 337, with the clock starting to tick as soon as you miss a payment. The limitations period begins to run as soon as the cause of action accrues ; that is, from the occurrence of the last element essential to the cause of action. ( Neel v. Magana, Olney, Levy, Cathcart & Gelfand ( 1971 ) 6 Cal.3d 176, 187. ) Reporting this misinformation is in direct violation of my consumer rights stated in : FCRA 15 USC section 602, 15 USC 6801, 15 USC 1681 section 604 a section 2, 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ), 15 U.S. Code 1681s- 2, 15 U.S. Code 1681 e, 12 CFR 1016.7
08/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 91754
Web
On XX/XX/23 I placed an internet order with XXXX XXXX for five items totaling {$390.00} ( including shipping ). I canceled two items on XX/XX/23 and was refunded {$150.00} on XX/XX/23. The remaining three items were shipped and delivered on XX/XX/23. All three items showed quality control issues ( not as pictured or described, ie, defective ). Since the items are meant for display, the defects defeat the purpose for which they were intended. According to XXXX XXXX 's website, returns are allowed for any reason and refunds/exchanges are offered for defective products within 30 days of receipt. I emailed them on XX/XX/23 regarding the defects and provided photos ; they did not respond. I emailed them again on XX/XX/23 and there was still no reply. I submitted a claim to Discover on XX/XX/23 with the reason that the quality of goods or services was not as expected or advertised. On XX/XX/23, Discover notified me that they could not continue further with the investigation on my behalf and to contact the merchant directly. During a chat with Discover on XX/XX/23, the agent stated that the case was closed because they did not receive documents showing the items were returned. I replied that I could not obtain a return authorization since XXXX XXXX did not reply to my emails and the agent said that they can not force a merchant to accept a return. I inquired about asserting claims and defenses but the agent said there is nothing else we can do for me. On XX/XX/23 I mailed a package to Discover with documentation asserting claims and defenses. On XX/XX/23 Discover replied that they received my request and we've already considered this information and could not continue the dispute. On XX/XX/23 I initiated a chat that ultimately went through two agents and two supervisors, all of whom provided the same canned response indicating that they required documentation that shows you have completed a return. I noted that I would pay the outstanding balance out of duress since it was obvious that they were not going to help me and would charge me late fees/finance charges. On XX/XX/23 I received notification from XXXX XXXX regarding a notice on my credit report from Discover ; when I checked, I saw that my credit score had also dropped. Per my state ( California ) 's Attorney General 's consumer credit card page, You can assert claims and defenses with your credit card company if something you bought for your personal, family, or household use is not how it was represented as being and the seller refuses to fix the issue. I provided documentation showing that I tried to resolve the problem with XXXX XXXX directly and that they refused to remedy the problem. Discover infringed my rights to assert claims and defenses by making a remark on my credit report which lowered my score and by forcing me to pay under threat of late fees and finance charges.
12/15/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • XXXXX
Web
Discover Bank, by and through its counsel, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, AZ XXXX, sued me for a credit card debt in which I did not owe under alleged account stated and breach of contract, and a judgment was issued against me for {$6600.00} ( XXXX Justice Court Case XXXX, filed XX/XX/XXXX ) on XX/XX/XXXX. I appealed the decision of the XXXX Justice Court to the appellate court ( Superior Court Case XXXX XXXX ). On XX/XX/XXXX, the appellate court ruled in my favor stating Discover Bank was not in standing to sue. The appellate judge found Discover Bank to be in violation of several state laws under Title 6 because it lacked the required state and/or national licensing and permits to legally engage in the business of banking in the state of Arizona. Wherefore, the judgment against me was reversed and vacated by the appellate court on XX/XX/XXXX. The appellate court stated that Discover Bank was in violation of A.R.S. 6-201, 6-217, 6-322 ( A ) because it is not licensed through the Arizona Department of Insurance and Financial Institutions ( or as a National Banking Association ) to legally engaged in the business of banking in the state of Arizona, which included, but not limited to, opening an account for, extending credit to, me as well as trying to collect on an alleged debt. Inasmuch, it has since been verified that Discover Bank is in violation of A.R.S. 6-391, unauthorized conduct of banking business and false representation, by eng aging in the business of banking in the state of Arizona by the use of the word " bank '' in its corporate name because it does not maintain a banking or branch office as defined A.R.S. 6-330, and pursuant to A.R.S. 6-391, it is unlawful for Discover Bank to engage in this state in the bank business as defined by A.R.S. XXXX. Therefore, I am filing an official complaint against Discover Bank AND its counsel, The XXXX XXXX XXXX XXXX, based on the following : 1. Slander, libel, defamation of character, and harassment ; 2. Violations of A.R.S. 6-201, 6-217, 6-322 ( A ), A.R.S. 6-330 and A.R.S. 6-391 ; 3. Participating in fraudulent schemes and artifices pursuant to A.R.S. 13-2310 ; 4. Illegal control of an enterprise and/or illegally conduction an enterprise pursuant to A.R.S. 13-2312. 5. Deliberate indifference because Discover Bank, by and through its counsel, The XXXX XXXX XXXX XXXX, displayed a conscious, reckless and blatant disregard of the consequences of it actions and omission by pursuing debt collection activities against me knowing full and will it was in violation of several Arizona law under Title 6 and Title 13 and causing harm and knowing its actions would cause harm against me would result. 6. I am not the only victim! How many people has Discover Bank illegally sued and fraudulent acquired judgments against consumers in violation of Arizona law!
03/20/2017 Yes
  • Credit card
  • Customer service / Customer relations
  • NJ
  • 085XX
Web
this is the XX/XX/XXXX or so complaint here nothing s resolved. herein i request the following an arbitration or i will be filing a lawsuit once counsel is retained for damages to my credit potentially as i have stopped and refuse to pay on a specific account for many unresolved disputes not dissatisfactions as been mischaracterized by XXXX who contines to answer the complaints we spend time to file despite requests to CEO ignored to funnel somwhere else. to someone who will handle. I need all complaints to this office UNRESOLVED still forwarded to me so judge will see the remarkable effort i made to resolve.With a perfect record here before i was treated in a discriminatory manner which appears to be against the law, in the summer having my calls funneled to a " special team '' i have stopped calling, stopped monitoring my accounts and in the case of XXXX have stopped paying as all requests for help are scripted or ignored or stonewalled. This is clearly a case where i potentially can suffer damages for not paying and i am not paying despite my almost 30 year history due to what is clearly discriminatory BAD treatmenat i have never experienced before. As such i want this and all previous complaints referred to legal department. I am away now getting medical treatment. POA has been sent to Discover. I want this to go to legal dept. I have had it with writing and getting a SCRIPT from XXXX who while he leaves out his name in the signature we know its him same script stonewall. There are DISPUTED charges for example i am told no balance where interest is affixed or prone and then it gets charged. I am being charged late fees on accounts when i am one day late or not at all and when my history of 20 plus years reflects no lates. And again this is due to not calling in due to the DISCRIMINATORY way i strted to be treated in the summer time having my calls fielded to a SPECIAL team. who would just stonewall. I have NEVER EVER been treated like this or have to go to these extremes to get help. I request an arbitrator at this time from discover or i file a lawsuit period. there has been and will be no use of my cards by me again. They seem to have the money to pay stonewallers for well over a year to send the same answer that not only does not address the heart of the issues but is anti customer and resolution. discriminatory is when a bank puts notes on accounts so as to prevent people from helping you. now if i get an answer from XXXX even though he leaves out his name in the signature i go to court. REFER TO LEGAL i want arbitration as nothing absolutely nothing has been resolved as of this date NOTHING. despite all attempts and usage of my time which i will not continue to do. without resolution. recognize i now have fees on my accounts becuase i refuse to pay in order to GET PROPER attention and i will NOT suffer those damages.
09/09/2016 Yes
  • Credit card
  • Rewards
  • NC
  • 27707
Web
Discover ran XXXX concurrent promotions in XX/XX/XXXX, including a Double Cashback Bonus Promotion ( wherein all cashback earned is doubled for 12 months after enrollment ) and an XXXX XXXX % Cashback Promotion ( wherein through XXXX XXXX, XXXX, you 'll earn an extra XXXX % Cashback Bonus ( R ) on up to {$10000.00} in purchases when you shop in stores and use your Discover card with XXXX ). I enrolled in both promotions with my XXXX Discover Card accounts ( XXXX ending in XXXX, another ending in XXXX ). To date, Discover has failed to pay {$1400.00} in cashback bonus that I earned during the promotion. Between XXXX XXXX, XXXX and XXXX XXXX, XXXX I made XXXX different XXXX purchases at XXXX and XXXX 's using my XXXX Discover Cards totaling {$7400.00} ( receipts attached in this complaint ). Discover sent me emails suggesting these purchases did not qualify for the promotion because they contained gift cards. As requested by Discover, I sent documentation on XXXX XXXX, XXXX proving the items I purchased are not gift cards. I 've repeatedly requested that Discover pay the cash back bonus on the {$7400.00} in XXXX purchases but they have been non-responsive ( this includes, but is not limited to : an email on XXXX XXXX, XXXX, a call placed on XXXX XXXX, XXXX where I spoke with XXXX in XXXX, a call placed on XXXX XXXX, XXXX where I spoke to XXXX in XXXX ). Discover will claim that these purchases contain " gift cards '' and therefore do not qualify. However, this is problematic for XXXX reasons : ( 1 ) Discover did not initially claim that certain purchases would be ineligible for the promotion, and ( 2 ) an examination of my receipts will show that I did not purchase products that are sold or marketed as gift cards. It is bad faith on Discover 's part to run these promotions and not honor them. As a result of the promotions, I made my XXXX Discover Cards my primary credit cards for my purchases ( winning my business from other financial institutions ), and referred friends and family to sign up for Discover 's credit cards ( winning new customers ). They earned my business and the business of friends and family as a direct result of these promotions. Their marketing efforts were successful, perhaps too successful, and that is why they are attempting to avoid paying out the cash back I earned on these purchases. They have failed to fully honor the promotions. I 'm requesting payment of {$1400.00} in cashback bonus for the receipts attached in the complaint. XXXX purchases that have not been paid cash back bonus ( including XXXX % for XXXX, and doubled, per the XXXX concurrent promotions ) : Location Amount Date XXXX {$450.00} XXXX/XXXX/XXXX XXXX {$470.00} XXXX/XXXX/XXXX XXXX {$450.00} XXXX/XXXX/XXXX XXXX {$1000.00} XXXX/XXXX/XXXX XXXX {$1400.00} XXXX/XXXX/XXXX XXXX {$1500.00} XXXX/XXXX/XXXX XXXX {$2000.00} XXXX/XXXX/XXXX
08/28/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MO
  • 65202
Web
In XX/XX/XXXX I made 2 purchases on 2 separate dates from XXXX XXXX XXXX XXXX through XXXX. In XX/XX/XXXX, I received a partial shipment from one order, the order was missing items and even had a note saying they were out of one item and they would refund me. I contacted the seller, then I only received partial items from the second order. Since XX/XX/XXXX I have been contacting the seller at least monthly about these items missing. The seller kept telling me she was taking care of it and aware. XXXX comes around and I message her again, she tells me to contact her assistant. I do as instructed, the assistant tells me she does not handle orders but will remind the owner. Another month or so go by and nothing, I reach out to the assistant again and she tells me that she already reminded the owner and the owner said she is aware and taking care of it. More days go by and I receive no response. Early XXXX, I message both, owner and assistance and express my concerns for the missing items since it has been so long. The owner becomes very defensive and tells me there is no way the missed that many items, and that she even has to sign off on some of them. She refuses to look back through our conversations to help her have a clear picture in her head of what I am talking about. She finally tells me she will look into it and to give her a couple of days. 2 weeks go by and no response, I message them again for an update with no response. I file a dispute with my credit card company Discover card. They validate 2 out of my 4 disputes but have been unhelpful about the two disputes with missing items. She did send some bags, but that does not mean she sent me all the merchandise I paid for which comes out to be about {$1000.00}. While I have always been happy with Discover, they have failed to keep me up to date on status, I've had to call them weekly, then they said those charges were valid on XX/XX/XXXX, I called again on XX/XX/XXXX and the agent sent the cases for supervisor review. Here we are XX/XX/XXXX and no response after calling for follow-ups weekly. On XX/XX/XXXX I requested to speak to a supervisor at Discover and they said no one was available but that someone would call me back within 48 hours- no call as of today XX/XX/XXXX. However, I just received two emails telling me once again the charges were valid. I have provided extensive documentation of my conversations with the seller where she is telling me she is working on it and yet nothing happens, I have even sent them the conversations where the seller becomes hostile towards me for filing the disputes. I have been a long time customer of Discover and it is very concerning that they won't even take the time to call me when I request to speak to a supervisor. This seller just took {$1000.00} of my hard-earned money and I have no support from my credit card company.
10/11/2015 Yes
  • Credit card
  • APR or interest rate
  • DE
  • 19808
Web
I made XXXX balance 0 % interest transfers with Discover Card in XXXX and XXXX 2015. When my XXXX statement arrived, the balance transfer of {$3000.00} and the fee of {$90.00} were listed in the " ACCOUNT SUMMARY '' section, but the amount listed in the " BALANCE SUBJECT TO INTEREST RATE '' table was {$2500.00} instead of {$2900.00}. The Discover representatives I spoke with ( five phone calls were made ) could not explain what happened and could not tell me which balances my payments were applied to. First I researched previous Discover 0 % balance transfers, found errors ( approximately {$300.00} plus interest ) in allocation of payments ( payments not applied lawfully in accordance with the CREDIT CARD ACT ) and I wrote two letters of dispute to the correct address for complaints. I did not get a response. On my XXXX statement, the second 0 % balance transfer of {$1200.00} and the fee of {$36.00} were listed in the " ACCOUNT SUMMARY '' section, but the amount listed in the " BALANCE SUBJECT TO INTEREST RATE '' table was now {$4100.00} instead of {$4000.00}. I wrote two more letters of complaint. These were mailed and submitted online. I got an online message with a local number to call. After numerous phone calls, I was finally able to speak with someone about my disputes. I was informed that Discover Card is calculating the 0 % balance transfer using the " daily balance '' method of interest calculation and that my minimum payments were applied to the balances. Another letter of dispute is going out this week. First of all, Discover Card can not apply this method of calculation to my 0 % interest balance transfer when there is no interest to calculate! The INTEREST CHARGES section on page XXXX of my CARD MEMBER AGREEMENT clearly states, " How we calculate interest charges, '' and since the APR is 0 % there is no interest to calculate. Secondly, I calculated the 0 % balances using the " daily balance '' method and could find no evidence of my minimum payments in the amount of {$100.00} ( XXXX minimum ) and {$160.00} ( XXXX minimum ) having been allocated to the 0 %. I am currently paying more than the minimum each month and I am not able to check my bill to make sure that the 14.99 % balance is correct. Finally, if things continue in this fashion, Discover will continually not report to consumers the beginning and ending statement balance for the 0 % and the 14.49 %. As a result, Discover 's customers will have absolutely no way to see if the law is being followed with regards to payment allocation and Discover Card 's customers will continue to be in the dark with regards to their balances. I have no way to calculate how much money I have lost and if Discover continues to apply interest calculation methods to balances do not require interest calculation/that have 0 % APR, I will never know how much money I will lose.
06/21/2016 Yes
  • Credit card
  • Credit line increase/decrease
  • MI
  • 48823
Web
On XXXX XXXX, 2016, I requested a credit line increase and I was approved for a {$1000.00} increase bringing my card limit to {$1500.00}. Nonetheless, I do not feel like this is a fair credit line increase since all of my other credits have limits in excess of {$1500.00} in addition to my good account standing with Discover. Moreover, I have a 100 % on-time payment history with Discover ( as I do with all my credit cards ), and have not had a credit line increase since I have had the account for over 2 years despite my current credit score of XXXX. I reached out on XXXX XXXX, 2016 to see if the credit card limit could be reevaluated and I was told that I would need to call their Card Portfolio service. I called them and they indicated that since the request was yesterday, they could not do anything. Nonetheless, the representative indicated that I could apply anytime for a credit line increase. After getting off the phone, I requested another increase via the online system. I was told that it would take 2 days to review my request. I initiated an online chat with Discover and had asked if there was any credit line increase time limits, such as a certain amount of days after receiving a request. The online agent indicated that Discover does not have any such limits. That agent recommended I call back the Credit Portfolio department. I called them back and the representative indicated that the application for a credit card increase was denied because of the short credit line history ( the same credit line increase that I wanted to be reevaluated ). She also said that a credit line increase request would be granted within 30 days of a prior increase, which was contradictory to what the online agent had indicated. I asked to speak with a supervisor. I was transferred to XXXX who was very condescending and indicated that the regulations of the industry ensured fair treatment. Consequently, he argued that an exception to the day of the request for a reevaluation could not be granted because it would not be fair for other customers. I then indicated that it did not seem fair that I had about only a half-hour before the customer service department closed when other people that applied that day would had more time to ask for a reevaluation. He then indicated that I could define fairly however I wanted, even though minutes prior his definition fair was the reason why I could not be granted a credit line increase. As mention before, I have several credit cards with other companies and I have never heard that a credit card regulation prevented a credit card increase reevaluation regardless of the time of the request. I believe XXXX was incorrectly state federal regulations and possibly even fabricating them to explain away an issue. At the end of our conversation, I asked for an employee ID number and XXXX refused to give it to me.
10/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 93536
Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX5 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Discover Bank is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Discover Bank, the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and Discover Bank whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Discover Bank never informed me of my right to exercise my nondisclosure option. Not only that but it states in 15 USC 1681C ( a ) ( 5 ) " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
09/24/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NY
  • 10469
Web
XX/XX/XXXX : 4 Fraudulent transactions were made through XXXX to my Discover Card. My XXXX / XXXX Account possibly the merchant " XXXX '' 's account were compromised and fraudulent transactions ( listed below ) were made : Fri XX/XX/2020 XXXX XXXX XXXX CA SECURITY DISPUTE ADJUSTMENT {$370.00} Fri XX/XX/2020 XXXX XXXX XXXX CA SECURITY DISPUTE ADJUSTMENT {$370.00} Fri XX/XX/2020 XXXX XXXX XXXX CA SECURITY DISPUTE ADJUSTMENT {$470.00} Fri XX/XX/2020 XXXX XXXX XXXX CA SECURITY DISPUTE ADJUSTMENT {$470.00} I contacted my credit card company and initiated a fraudulent transaction dispute. I was told I had Zero liability and my money would be refunded. Today I looked at my Discover card and had a very large balance. I contacted the investigations unit and was told that the dispute was closed NOT in my favor. The Investigator - XXXX - told me that the reason my fraudulent claim was denied was because they noticed valid past transactions with the merchant. I spoke to XXXX further - and not only did they mess up the associated transactions in the dispute - they did not take my evidence into account at all. Please see below : 1 ) XXXX ( the investigator ) told me that the initial investigator included transactions that I made with this merchant in XXXX and XXXX of 2020 as fraudulent. I specifically told the initial investigator when he called me on the phone that the XXXX and XXXX transactions were VALID and only the 4 transactions from XX/XX/XXXX were fraudulent. So the VALID transactions were included in the fraudulent dispute which they should not have been. I told the initial investigator that I had previously done business with this merchant and have no idea why they included the VALID transactions. 2 ) I told the initial investigator that I had proof from my XXXX XXXX account XXXX which is linked to my XXXX / XXXX account ) and also proof from XXXX via e-mail 's that they sent to me telling me that they noticed suspicious activities on my account. I had to provide XXXX and also XXXX with identification in order for them to restore my accounts. When I told the investigator I had this evidence and said I could send it to him - he told me there was no need to provide this evidence. XXXX ( the investigator I spoke to today ) said he had no idea why the initial investigator would tell me not to fax them my evidence. I asked XXXX to open an Appeal on my behalf and provided them this evidence today via FAX. Not only did they get the entire investigation wrong by including Valid transactions with fraudulent ones they did not even take any of my evidence into account. The reason for them denying the claim ( they said it was because they noticed previous activity with the merchant on my account ) does not make any sense at all because I specifically told the initial investigator that I had dealt with this merchant before.
06/12/2015 Yes
  • Credit card
  • Privacy
  • CA
  • 91706
Web
Ok so when I seen discover on my report I called into discovers customer support, which then transferred me to a different department and I spoke to a very nice women named XXXX, but she could n't offer any help. She referred me to a different collection company named XXXX '' who were very rude and knew nothing. I then sent a email to XXXX XXXX XXXX, I received a packet in the mail with some transaction history. Honestly I remember having A XXXX dollar limit and I remember paying it. In the packet I noticed the transaction history I noticed a XXXX limit and other transactions. Back in 2013 I was n't in my right mind, my XXXX. Now that I am stable, I 've noticed the account on my report and I cant remember. There are also other accounts on my credit that were opened online around the same time and I had to contact those institutes as-well and they are helping and giving me an understanding. There was a women a live in room mate that I used to have dealings with back then who just completely disappeared, and was n't here after my treatment I 've tried searching for her, theirs no information on her name XXXX when searching for her, but I have a strong feeling it was her and everything was a lie every hand I was dealt just blows up in my face and destroyed my life, for instance I simply have no need for a XXXX XXXX account that was opened under my name because I am a male. I am not saying I did n't have a discover account. I XXXX and on social security from XXXX I take and I have a hard time with phone calls XXXX. Im not the way I was before treatment. I 've called customer support because I remember being a customer and how sweet and nice everyone at discover is not like that with me anymore. I was never aware of owing money and I want to know why discover was not there to offer me help or work out some plan back then. Discover you are giving me XXXX. XXXX time I called " XXXX '' told me to contact XXXX '' number XXXX a rude company that had no knowledge of me. Then called discover again and was referred to call XXXX number XXXX this company does n't exist. Then in the packet XXXX XXXX XXXX sent me it says call XXXX number XXXX. My credit is messed up because I was not responsible with my personal information when we had live in roommates and I would just leave credit cards and SSN card anywhere and I do take full responsibility for that, BUT discover is just passing my information to company to company and me having to call places passing my social security number to fake company 's or god knows who, but i really liked discover and they never offered to help me, I never knew what was going on I thought it was paid. I use to get calls for card protection everyday which I remember getting and I always thought it was covered. I just wish they would remove the charge off because i do n't feel i owe then a whopping XXXX.
04/06/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 94582
Web
Me and wife are joint account holders on Discover credit since XXXX with my wife XXXX XXXX being primary card holder. We had signed up for automatic full payment from our bank account. We were supposed to get new credit card in XXXX/XX/XX/XXXX which we never received. In XXXX we received huge number of fraudulent charges from out of state amount to more than XXXX. We called customer service, reported we never received card and reported the fraud charges. Please note we typically do not charge more than $ XXXX {$2000.00} on this card per month. To our amazement, discover still pulled about XXXX from our bank account on XX/XX/XXXX. When I called again, I found out they had not flagged all the transactions that I reported earlier as fraudulent. I requested the statements to be mailed so that can again pin point what transactions are still fraudulent. Upon receving the statement I called again and very specifically pointed what were fraud and what are legitimate. After about a month I called again to request refund of the overpayment that was showing as negative balance ( little over XXXX ). I was told request has been made and since amount is more than XXXX it will require couple of weeks for approvals. More than 2 weeks passed so I called customer service again today on XX/XX/XXXX. Customer service forwarded to fraud prevention who then forwarded me to investigation department. I spoke to lady named XXXX who said since matter is still under investigation, they can't issue refund. I told her I had reported those as unauthorised charges before the statement was generated and that they should have never pulled from my bank account to begin with because accordign to our card holder agreement we do not have to pay disputed charges till investigation is complete. They already violated the agreement by pulling the money and now they are delaying the refund. When I said that XXXX said I am not the primary card holder and that she will need to speak to my wife. So I called my wife at work and conferenced her in. Then she said she can't trust because she did not initiate the call. I then told her then to call her directly. She agreed however according to my wife she never called her again. This is not only poor customer service but violation of card holder agreement and unauthorized debit from my bank account. I thought of calling again and speaking to a supervisor. Upon explaining the whole situation, supervisor still said the same thing that they can ; t refund till investigation is complete. Clearly she did not understand the issue here. DISCOVER should have never pulled payment from my account when fraud was reported, now I have been out of money for nearly 4-5 months on fraudulent charges that credit card issuer is supposed to protect us. This matter needs to be investigated because it clearly does not seem to be right.
12/30/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 90066
Web
Having been an account holder with DISCOVER Bank now for XXXX years, holding both a high interest savings and a Cashback Checking account, I have had several issues revolving around withdrawals and deposits. The most recent issue commenced on XXXX XXXX, XXXX, when I attempted to purchase a ride using ride-sharing service XXXX, around XXXX PST. The transaction was declined, and I immediately phoned in to inquire as to why. The representative erroneously informed me that it was XXXX who had blocked the transaction, as I stood on the side of a road attempting to get a ride home from a holiday party. After using another card with limited funds, I returned home, only to have the issue of blocked transactions recur the following ( XXXX/XXXX/XXXX ) day several times when attempting to order groceries via XXXX and purchase items at a popular clothier, XXXX. Since XXXX XXXX, XXXX, I have had nearly every single transaction attempted blocked by DISCOVER Bank, forcing me to call in each time and sit on the phone with often inept and confused agents, for 45 minutes - 1 hour each call. I have escalated this matter to managers, supervisors and now XXXX 's Executive Offices. DISCOVER Bank 's Executive Offices agent XXXX ( supposedly on behalf of DISCOVER Executives ) claims that they can not circumvent " system decisions '', telling me that I have no other choice but to call in after each and every blocked transaction to have a manual approval of each transaction ; this is extremely time consuming and absolutely unacceptable. To reiterate, since the first decline on XXXX XXXX, XXXX, nearly all of my transactions ( between 10-15 total ) have been blocked by DISCOVER, regardless of the merchant, rendering my checking account effectively useless and blocking me from utilizing my funds when I need them most. Please note, that while I certainly understand fraud measures and the need to protect the consumer and the Bank, the number of times in just a span of four days that DISCOVER Bank has blocked my debit card transactions has been grossly excessive and beyond unacceptable. The Executive Offices staff was regrettably of no assistance, stating simply that I have no options other than to " deal with '' the situation until the system recognizes my spending patterns -- I find this to be both unethical and unprofessional to the highest degree. I am a consumer who should be able to utilize their checking account without the constant need to phone in, hold for nearly an hour, deal with inept customer care agents, only to have the situation recur sometimes hours later. To note specifics, I have had multiple transactions blocked on the following dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ; this is grossly excessive and unacceptable, and I am requesting immediate resolution to this matter.
02/19/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Privacy issues
  • TX
  • 75034
Web
This is from CFPB case number XXXX XX/XX/2021 Discover - Executive Office Customer Advocacy Per the letter received from Discover that clearly does not address any of my concerns was an epic fail and disappointment. The letter indicated me speaking to reps in the in the customer protection services department. On each call I gathered information and indicated my concerns with the Discover process. On either calls the reps advised they were notating my concerns, and would forward them to the Executive offices which I never heard from until I contacted the CFPB. My concerns are simple.. Why do you need every page of my tax return to validate income? Why would you use XXXX, a company which has proven reputation that has been recorded having a LARGE breach that had the consumers information compromised. In addition to that the algorithm that XXXX uses and how they are collecting information. How is that information being used beyond the alleged verification. Discover is using XXXX as a third party and can not vouch for what is happening with my information once given. YES, I am aware that certain information is already provided to credit bureaus monthly. However, my children and additional assets that I may not want considered is listed on my tax return. NOT limited to their social security numbers, dates of birth, & colleges. I cooperated with the first request of verification of my SSN which required me sending in photo ID and my social security card also completed by XXXX through the social security administration. Is this a form of discrimination based on race, gender, and or employment status ; full time vs self employment? " Card issuers need income information to offer an increase in your credit limit, under the Credit CARD Act 's ability to pay rule. You can choose to skip questions by your card issuer about your income, but that may affect offers to increase your credit line. '' To be clear yes I elected to close the card because had I did not oblige your request. DISCOVER would have closed my card and that would have HURT my credit rating " Closed by card issuer '', in addition it is bad enough that once the account is closed you loose the payment history that was EXCEPTIONAL even if I close it myself. DISCOVER has adopted this policy and has not considered what it would do to the consumers and their credit rating. Again- XXXX XXXX I appreciate your attempt to respond as required by the CFPB however the questions were left unanswered and there are forums regarding the Discover practices and many concerns because personal information is not treated with care and concern. Although customer surveys state Discover has great customer service, survey those consumer accounts that were never late, and were given only 2 options. Expose all your information or we will close your account by X DATE & X TIME.
08/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • GA
  • 30519
Web
In late XXXX, 2022 at least 3 weeks before payment in question was due, I called Discover to help me reduce or lump payment in with the next month due to a shortage of funds I was having. I had just been hired for new job and was told 4 weeks to start after being under-employed due to COVID. I had a family emergency so this is why I needed this and had a small amount of funds to get by. Was offered a program that " I understood '' as the payment would be put out but that my future payments would be 3x higher per month rather than my usual minimum payment per month. I would be subject to being reported if missed. I agreed because I was planning on paying off quickly any way. I wasn't comfortable with some of what was being explained to me by the representative " who was very optimistic and fast talking '' and asked for it in writing. Was told something would be sent in writing. Over the next weeks I started my job. The company took my auto pay off. I relied on this verbal agreement but later realized that I received nothing in writing to truly understand it. 30 days later, I get notified of a late payment on my report. I called the company. The first person said that she would listen to tape of agreement and said that it sounded like that late payment should be removed based on what I said and to call back in a week. I did so. At that later time, I was forwarded directly to a supervisor. She explained that despite the fact that I was told many things, they had to report me and would not be able to do anything about it because I was not " even '' eligible for the program offered. I explained that no one notified me of that and that I would have borrowed the money to pay the amount due as I had no blemished on my report. I was told that I agreed to the reporting as part of the program anyway. I asked, why would I do that if the reason for me calling almost a month in advance was so that I could make arrangements so that I would avoid being reported. Not only that, several employees gave me conflicting information and while the supervisor straightened it out to a degree, I am harmed irreparably. Something that would have been avoided. I was under a lot of stress and no one likes borrowing money from friends and family. I would have done so for this short period had I been clear. On several occasions, my account information has been wrong as well. Last month, I experienced another glitch. I payed my usual payment and an additional {$100.00}. Three days after, I received a notice of non-payment. I do have pictures of that on my phone. This is a situation that seems to be an easy fix based within the context, but I was mocked when I asked if that context could be considered. Why my 30 day late was reported should be considered and resolved by removing from my report under the agreement ( verbal ) that I relied upon.
06/26/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • XXXXX
Web
Received message and noted previous complaints closed WITHOUT resolution. Also, emails to " Executive XXXX '' being FULLY IGNORED. Documents attached, as well as original complaint ( below ) I am looking for FULL IMMEDIATE RESOLUTION - that is MY FUNDS RELEASED and distrubuted to an account of MY CHOSING, as I will NOT accept a paper check ... Here is original complaint ( my latest email is in next section ) : Complaint : XXXX Complaint : XXXX Since initial complaint was filed on XX/XX/XXXX, I received a email from XXXX XXXX, Executive Office of Customer Advocacy for Discover Bank. That was on Friday XX/XX/XXXX. I have heard nothing since. I have emailed him 3 times ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) - No Response. Still no communication or access to MY IRS REFUND that was deposited via Mobile Check Deposit. CFPB has let this fall through the cracks - nothing done - and since my initial complaint - ZERO progress!! Here is what I initially sent in ... Regarding account ending XXXX - Jnt with My Son. On XX/XX/XXXX, via MOBILE Deposit, I scanned and deposited MY IRS TX REFUND CHECK into MY Discover account ending in XXXX. Two days later, my account was locked and I have been unable to access my account. Can not log in online, can not call in, as I get redirected to some RUDE people, who will NOT tell me anything. They continue to tell me that my account was closed on XX/XX/XXXX, and that I would receive information or any money in the account after 60 days ... .UMMMMM WHAT?! I never received a letter, a call, email, fax or any communication from Discover Bank, in reference to my deposit being held, my account being frozen or ANYTHING. When I call in, I am told that - you have to wait, and there is nothing I can do about it - - I have the recording ... .RUDE! Well - as of XX/XX/XXXX - 60 days would have been XX/XX/XXXX or so. So I called again, SAME THING ... .RUDE, no answers, telling me to basically kiss off my account and MY money ....!!!! SOOOOOO Done .... If they claim ( LIARS ) that they sent me something in postal mail, I want copies - again I want proof they sent me something ... Their actions are punitive, and I want my funds WIRED into another account I designate ... .IMMEDIATELY - I quite prepared to take this to court ... .My refund check was in excess of {$15000.00} - I also want all the interest they earned off MY MONEY - want all detailed accounting, showing what THEY earned from my money, and XXXX. Interest rate they will claim I earned. I consider what they are doing as misappropriation of funds, embezzlement and other major infractions. I want IMMEDIATE RELEASE of my money - wired - NOT BY PAPER CHECK - WIRE OR EFT/ACH ONLY - to an account I designate, within 3 days of receipt of this complaint. PERIOD ...! I have attached the letter I forwarded to the IRS along with other documentation.
06/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07108
Web
These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 8. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 9. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 12. Identity Theft DISCOVER FINANCIAL SER Date of inquiry : XX/XX/XXXX This is not mine. 13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 14. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 15. Identity Theft XXXX Account Number : XXXX This is not mine. 16. Identity Theft XXXX Account Number : XXXX This is not mine. 17. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 18. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 19. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 20. Identity Theft XXXX Account Number : XXXX This is not mine. 21. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 22. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 23. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 24. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 25. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 26. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 27. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 28. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 29. Identity Theft DISCOVER Date of inquiry : XX/XX/XXXX This is not mine. 30. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 31. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 32. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 33. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 34. Identity Theft DISCOVERBA Date of inquiry : XX/XX/XXXX This is not mine.
08/14/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 91607
Web
Hi my name is XXXX XXXX. On XXXX XXXX, 2017 I did purchase 5 items from bonton.com website ( The XXXX XXXX XXXX XXXX ). I have never receive email from them about order delivery. Couple of days after I did called them to receive some information about my order. They told me that my order was delivered. I was wondered because I never receive anything from them. During that call they did not try to resolve my problem and advise me to dispute charges with my bank. I did like they said and dispute the charges {$450.00} with my bank ( Discover Bank ) that I paid to XXXX. Bank opened two cases and. First case number is XXXX for {$200.00} and second case number is XXXX for {$240.00}. After some time they told me that XXXX provided delivery proofs. I explained that delivery printout is not a proof that I did receive my items, because proper delivery proof will be that me or somebody in my household will sign and took the package. Bank submit my dispute again. I did request from Discover the proofs that was provided by XXXX. They did not send me anything. I did called them again and requested proofs again. After second request I did receive mail from Discover dated XXXX XXXX, 2017 that they closing my dispute because XXXX provided same delivery printouts. I called Discover by explaining again what is proof and what is not. During that calls they told me that XXXX deliver the order after that I did figure it out that XXXX gave package to USPS. I did called USPS to know where is my order. USPS opened a case by number XXXX. In XXXX XXXX, 2017 I did receive official email from USPS ( Sender was XXXX XXXX ) with their apologies for their bad service ( they left my package in unsecured place ). The building does not have cameras and front door it is open building and everybody can access. I did send that USPS official email by Fax to Discover on XXXX XXXX, 2017, because they told me that they will reopen my dispute if I will provide additional materials about the claim. Email from USPS was a big proof of that I did not receive my order. They ignored my proof saying that it will not help and because XXXX is a bigger client for them than I, they will return my credit to XXXX. After that I called XXXX and did provide that USPS email to them and asked that one of their supervisors contact me with a phone, but nobody contact me. After couple days I did called them again they assure me that there is no way to transfer my call to a supervisor and one of their supervisors will call me. Nothing. Seven days ago I did found email from XXXX in my Spam folder. I saw that somebody from XXXX by name XXXX Friday wrote me an email with their tactics ignoring their fault of my lose. I had nothing to do that to file a claim with CFPB because I spent a lot of my time and health by trying to return my lose and did everything like they told me.
04/17/2017 Yes
  • Credit card
  • Billing disputes
  • VA
  • 23111
Web
Here is the timeline of issues : XX/XX/2016- I signed a contract and placed a deposit with a company for a metal building for XXXX with an anticipated delivery date of XX/XX/2016. After that the building company was in contact with me and I started to get very suspicious of their business practices especially considering the high pressure sales tactics they used. I was advised that we could change the building at any time since I wanted to use it to build a primary residence and that no work would be done by their engineering group until we had agreed to the final design. Later I had a discussion with the merchant about possible downsizing the building and making it a garage, and then a few days later I received a packet of engineered drawings of a building that was similar to my original contract but not the same and obviously a boilerplate drawing. I followed up with the engineering company and the merchant and let them know that I did not authorize this and the drawings were not correct. I also was told that it was fine and not to worry as I could make changes any time. Later in XX/XX/XXXX I contacted the merchant to ask about cancellation and was told there were no refunds but I could downsize. I also contacted Discover to ask about their dispute policy as I was worried my window as coming up and was assured that they have a XXXX year dispute window and not to worry. Finally as I was learning more and more about this company I decided that I did not want to give them any more of my money and would like a refund so I called Discover to explain the situation and pursue a dispute based on the fact that the goods and services delivered were not was was contracted, the contract was illegal, and the work was never authorized. Discover sent the charge to dispute through the XXXX who allowed a XXXX day response window. THe merchant did not respond within the XXXX days nor were they able to provide anything in writing that showed I had authorized these drawings. Despite being outside of the window, not having anything in writing from the merchant showing my authorization, and an illegal contract by the merchant, discover still sided with the merchant. I sent them communications I had where I discussed that these plans were not authorized and showed them discrepancies in the contract but they still sided with the merchant. I explained that the merchant did not include the requisite 3 day rescission window and also pointed out that my dispute date of XX/XX/XXXX was within the timeframe of the anticipated delivery date on the contract. I then pointed out that I received incorrect information from Discover in XX/XX/XXXX that led me to believe I had a XXXX year window of protection. Despite all of these facts, and no documentation from the merchant that I authorized these drawings, Discover still found against me.
07/27/2016 Yes
  • Credit card
  • Rewards
  • MN
  • 55128
Web
Discover does not aware the correct bonus rewards. I have a Discover card that has a Cashback Bonus Program Terms and Conditions that reads : " You will earn a full XXXX % Cashback Bonus on your first {$250.00} in combined gas and restaurant purchases ( " G & R Purchases '' ) that are posted to your Account each pilling period. At the end of each billing period, we calculate your Cashback Bonus by multiplying your first {$250.00} in G & R Purchases by XXXX % ( XXXX ) and all other G & R Purchases by up to XXXX % ( XXXX ) ( see " All Other Purchases '' section. " Gas '' purchases are those made at merchant locations where the primary business is the sale of gasoline. " Restaurant '' purchases are those made at merchants classified as full service restaurants, cafes, cafeterias and fast food locations. Purchases coded for category other than those listed above will not qualify. Well, I can look at my last statement and see that Discover is classifying a distinct and well known GAS STATION as a Supermarket so they do n't have to award the required bonus points. The merchant is a XXXX XXXX. If you look at the XXXX page for XXXX the very first line reads, " XXXX XXXX is a chain of gasoline and convenience stores in the United States ''. XXXX is clearly a merchant primarily gas station. I do n't know many people that use a XXXX as Supermarket over a Gas Station. I believe the Discover is trying to trick customers into thinking that they these purchases will qualify for the noted Gas and Restaurant Purchases, but are miss coded and will not award them. They hope customers wo n't catch this so they can reap the benefits from these transactions. Discover has the ability to code certain merchants for bonus programs. For instance, I have another Discover card that is running a rewards promotion that offers " XXXX % Cashback Bonus at Home Improvement Stores & at XXXX on up to {$1500.00} in Purchase ''. So Discover already has the ability to code a merchant ( i.e. XXXX ) to fit into a bonus category. I suggest that Discover add the gas station merchants to their gas station database so the bonus rewards as awarded to customers accordingly. I believe that Discover is purposely not awarding the gas station awards to customers in accordance with the card agreement so they do n't have to pay as much. They were just hoping that customers, like myself, would not noticed that they are not actually awarding the rewards when they make gas purchased. Additionally, I would like my account reviewed and all the past gas station rewards that were not awarded in the past to be added to my account. I am sure that I am missing a great deal of rewards that were not rewarded to be because of this misclassification by Discover. And I am guessing that many other customers have also be cheated on the cashback bonus program by Discover.
07/16/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 957XX
Web
On XX/XX/XXXX via certified registered mail, I tendered ( following no response from DISCOVER after the first tender mailed on XX/XX/XXXX for amount of {$5900.00}. XXXX/XXXX DOLLARS ), another negotiable instrument ( U.C.C. 3-603 ) in the amount of $ XXXX DOLLARS for satisfaction regarding account number ending in XXXX given the Remittance Coupon Presentment in the amount of they sent by USPS. Included in my correspondence was Notice of Acceptance and Authorization to Set-off and " Instructions to Tender Payment '' to set-off account number ending in XXXX for the amount $ XXXX DOLLARS. I informed DISCOVER my negotiable instrument is presented under the authority of The Constitution Article 1 section 10. clause 1, The Constitution Seven Money Clause # 6, The Constitution Monetary Rule # 5, House Joint Resolution 192, Public Law 73-10, UCC 3-104 ( c ), Title 31 USC 5118, and the U.C.C. '' ( Uniform Commercial Code ) - The Federal Tax Lien Act of XXXX I requested if for any reason, DISCOVER was unable to apply the credit and adjust the accounting thus completing the set-off, because I have accepted their presentment for assessed value, to please send a notice of dishonour from a qualified third party as well as, if applicable, send any law, code, policy or provision that purports that their company has a right to require payment in a particular kind of currency and/or that I am not in honour nor continue to operate in good faith nor with clean hands to satisfy this obligation for both parties. There was a directive to send the documents to the address I provided within ten ( 10 ) business days from the date the Notice of Acceptance and Authorization to Set-off was post marked. DISCOVER did not respond AT ALL, nor with a third-party notice, nor did they set off of the account ending in XXXX ; therefore, ( DISCOVER ) fell into default due to non-response. As of date, XX/XX/XXXX, I have yet to receive any written correspondence/action fulfilling my specific request to discharge/setoff account ending in XXXX, nor have I been made aware as to why lawfully XXXX XXXX is choosing to not sef-off the account though tender was made. DISCOVER was informed of California 's Commercial Code 3603/UCC 3-603 `` If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge to the extent of the amount of the tender ''. Due to DISCOVER not responding to any of my correspondence, they acquiesce to my terms therefore, I am seeking complete discharge/ set-off of the full amount of $ XXXX Pursuant to 1-102 and 3-603 of the Uniform Commercial Code. With DISCOVER failure to respond and set off of the account, per contract is now in debt of {$7500.00} to the Principle of said account and no longer have the capacity to pursue collection.
11/21/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NC
  • 28314
Web Servicemember
I hope this letter reaches you in good health and spirit. The reason why Im writing is because I want to complain about when I call and talk to agents about my Discover credit card regarding the balance transfer what do I need to pay on top of the minimum payment to avoid interest they are not giving me the correct information. They are giving misleading, confusing and wrong information. Im really just calling to clarify to make sure so my payment I just made was {$150.00} the minimum payment {$130.00} plus {$20.00} of a purchase to avoid interest on this cycle of XXXX. I called to clarify one agent gave me the wrong information said I need to pay my full balance without paying attention to the details of my account so then I ask to speak to a supervisor told me that I needed to pay {$6000.00} and something but that is the balance transfer that is under no interest for a year with the promotion she also told me its hard to avoid interest on a credit card its always a chance you can get charged interest which that isnt true either. I got so frustrated I hung up the phone. I called back and requested to speak to a supervisor and she told me that in needed to pay the minimum payment plus the balance transfer fees and the transaction/purchases I made but I told her the fees were paid with the balance transfer which isnt due until a year from the balance transfer date to avoid interest. I believe the {$150.00} payment is correct but your agents and supervisors needs to be more aware of my questions and how balance transfer work with promotion plus transaction/purchases to avoid interest. I just wanted clarification and they confused the situation even though I believe I understand what Im doing and the very first agent that explained to me when I made my first payment of {$800.00} something right after the balance transfer explain to me correctly. The agents I spoke to that gave me different confusing information makes me not want to ever due the balance transfer again. I know my transactions/purchases have a promotion on the interest but I still want to avoid interest all together so I know I need to pay minimum payment plus anything purchases I made in that billing cycle and I just wanted to be reassured. Can you please clarify if Im doing it right and the payment I made for XXXX of {$150.00} is correct? I also want to complain that on XXXX my debt card with Discover was having technical issues I was not able to pay for my sons Birthday cake by XXXX XXXX certain time for a deposit on the cake for the specialty cake to be made and my sons Birthday was Monday XXXX and he turned XXXX. He was very disappointed. I been a customer for several years and I deserve great service. Hopefully going forward this will not happen again. Thank you very much for your time. Have a wonderful day and please continue to be safe.
01/16/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 91732
Web Older American
My grandmother was a victim of ransomware scam that resulted in fraudulent activity in multiple accounts of hers in XXXX of XXXX. The issue we are having is with Discover. A total of XXXX attempted Wire Transfers, but only XXXX completed Wire Transfers were made fraudulently out of her XXXX Discover accounts. XXXX XXXX Wire Transfer from Discover XXXX Account for {$22000.00}. XXXX XXXX Wire Transfer XXXX XXXX for {$30.00}. XXXX XXXX Wire Transfer from Discover XXXX Account for {$25000.00}. XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. XXXX The XXXX Wire Transfer on XX/XX/XXXX was reversed into the Discover XXXX Account, credit {$22000.00}. XXXX XXXX Wire Transfer from Discover XXXX Account for {$39000.00}. XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. XXXX XXXX Wire Transfer from Discover Checking Account for {$6900.00}. XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. XXXX A deposit from a XXXX Bank account was made to her Discover Checking Account for {$21000.00}. XXXX XXXX Wire Transfer from Discover Checking Account for {$21000.00}. XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. XXXX The XXXX Wire Transfer on XX/XX/XXXX was reversed into the Discover Checking Account, credit {$21000.00}. XXXX XXXX Wire Transfer from Discover Checking Account for {$20000.00}. XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. This leaves us with a total of {$91000.00} that was Wire Transferred out of Discover accounts and has not been reversed back, and {$180.00} in Wire Transfer Fees that was taken from her account. On XX/XX/XXXX my Grandmother informed me of what had been happening and after I did some research and found that who she had been talking to were not the companies she thought ( Discover, XXXX ). We reported all of the fraudulent activity on XX/XX/XXXX to Discover. We were told that they will really only be looking into the XXXX wire transfers that had gone through and not been reversed back into the account. I was told that they would refund the transfer fees, although I have not seen evidence of this myself. We were told that all of this is under investigation until further notice with no time line of completion. We asked Discover if we should make a police report, and we were told that it would probably make no difference. They also gave us no advice on how to further report this fraud to any kind of authority. In a later phone call we were told that while the investigation was not complete, they had located the accounts that the money was transferred to, but they were empty, and that we are not guaranteed to get any of the wire transferred money back. We have called back several times with no real updates and most times confusion about what is actually in being shown in their system as fraudulent activity. After researching myself of what to do I was recommended to make a report about it to the CFPB.
11/21/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • NV
  • 894XX
Web
To whom it may concern, Im contacting you to complain about Discovery Loans ' misleading loan process and to request a resolution that I deserve. On XX/XX/2022 at XXXX, I called Discovery Loan at XXXX ( XXXX ) XXXX to finalize my loan request to consolidate my debt after submitting an online request ( application number : XXXX ). In that conversation, I was informed that I was qualified for a loan and asked if I want to move forward with the loan process. I provided my consent to move forward as we agreed to use the loan to consolidate two of my existing loans with Discover Loans and pay off a couple of credit cards with the remaining amount, which was about $ XXXX. The loan specialist told me that I can enter the credit cards account information later online or via phone in order for them to be paid off. A few days later, once I gathered the information, I entered the cards account information online but received a warning that I needed to complete one last step. So, I called Discover Loans to finalize the process but I was told that they actually made a mistake, and Im not eligible for a new loan because I already have two loans with them and need to go through nine payment cycles for the latest loan I got with them in order to qualify for a new loan per their policy. I got that loan in XX/XX/2022 and the ninth payment is in XX/XX/2022, meaning that I am only a month behind. They told me they were going to look into if they could honor the loan or if they could remove the hard inquiry, which already impacted my credit score. After a few days, I had to follow up with them to get an update and I was told that they will not honor the loan and instead they will request to remove the hard inquiry from my credit history, which may take up to 40 days to process. I told them its understandable that the typical process to remove the hard inquiry from my credit history may take up to 40 days but its unacceptable for me to suffer the consequences of their mistake as my credit score is already impacted which complicated my financial plans and 40 days is too long for me to wait. I requested that they should honor the loan to make it worth to the damage on my credit score as well as interference my financial plans. Their actions and solutions are unethical and causes not only inconvenience but also harm to my finances and life. No individual or institution should be allowed to not fix their careless mistakes and impact on peoples lives. If the hard inquiry removal was immediate, I could accept it as a solution but given the length of it and its impact in my life, I dont accept it as a solution. The damage is already done and I need a better solution. Indeed, I request to be honored with the loan that I was originally told to be qualified. I look forward to hearing from you. Best regards, XXXX XXXX XXXX
08/11/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 31405
Web
I have continually received calls from a XXXX that ask for various names of people ( XXXX XXXX, XXXX XXXX, XXXX, etc. ) about missed payments. Not only am I NOT any of these people, but I have no outstanding card debit. Upon googling the number I came to find that the harrassers are Discover card in XXXX, OH. I have notified them several times that it 's the wrong number due to 1. I am not who they ask for and 2. I closed my Discover account 5 months ago due to their ineptitude. I also came across a web board where dozens of people have had the EXACT same thing of being continuously called by Discover & asked for the same people ( XXXX XXXX, XXXX, etc ), even though they have stated on numerous times that it 's the wrong number. They always want to argue with me about who I am. Growing frustrated, I called them back and asked for a supervisor. After debating with one of their XXXX, I was finally put in contact with a supervisor named XXXX XXXX, who felt it appropriate to tell me " we can call whoever we want until we are satisfied '' and when I told her I had been called over XXXX times, she said " Oh well. '' I filed a complaint with the FTC after every call and yet, they have done nothing. Growing tired of their XXXX times a day calls and the FTC refusing to do their jobs, I contacted the XXXX, who sent the information forward. I received an e-mail from a XXXX XXXX who is listed as the Executive Office of Customer Advocacy of Discover shortly there after and a plea to call her so we could " figure this out. '' Upon calling her, I talked to yet another XXXX who could n't comprehend English very well. Stating first that " she had left for the day '' I notified him that I was in the process of contacting a lawyer due to the continuous harassment at which point he stated " Uhhhh, give me a minute, she might be around. '' After several minutes of being on hold, he stated " she 's in a meeting, she 'll call you back. '' I 'm still waiting for that call. All in all I have been called XXXX times, XXXX of them in the last XXXX weeks. I 've talked to a XXXX at Discover who I literally had a 5 minute conversation with about not being XXXX XXXX and he wanted to argue that I was. He called back the very next day and had the same arguement. I 've talked to a XXXX that has asked for XXXX different people when she 's called me in the span of 3 days and when I told her I was neither, her response was " are you sure? " The continued harassment by this company goes beyond unreasonable and somebody really needs to hold them accountable for their actions. Either through fines or just a good old fashion XXXX, I do n't care, but it is ridiculious. Dates and Times of the last XXXX calls : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX, XXXX. XXXX, XXXX. XXXX. XXXX. XXXX. XXXX. XXXX
06/14/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • MD
  • 212XX
Web
XX/XX/2021 Keep receiving this message with pre-qualification over and over again. My former account is paid in full and closed at my request when I lost my wallet. I advised the team at that time my bank account and all cards associated with me were closed as a precaution with new ones having been issued. My online portal was locked by your team during such time with card disabled. Your team advised auto-pay was still connected I advised to remove clearly and was told that no changes could be made by discover on behalf of the customer this would have to process several times and once the payments came back unpaid a number of times the feature would be disabled. The bank account was said to be pending closure for 30 days each time a transaction presented it kept the account for finalizing it's complete closure further delaying the process. I. have spoken with countless representatives at Discover all of with whom states they submitted for the card to be removed from revoked status given the circumstance they see it is paid off and there are countless notes on file advising the same. There are people with charged off accounts for thousands and you reissue I'm having to jump through hoops for a card I lost and requested closed at my request and that has a XXXX {$0.00} BALANCE? Unheard of. If this is not rectified expediently and this hold is not removed I intend to exhaust every legal remedy available as it is not accurate and differs from what countless correspondences with your team have stated. -- -- -- -- copy of your blacklisted email Thank you for your interest in Discover. Unfortunately, at this time we are not able to provide you an offer due to the following : STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT Rest assured, your request did not impact your credit score. In fact, you can easily keep track of your XXXX Credit Score for free and learn more about what affects your credit at Discover.com/Credit-Scorecard. You can submit another request eight days from the date of this letter. Sincerely, Discover Credit Operations Team XXXX Reference Number XXXX XXXX Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency.
07/15/2019 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • MN
  • 551XX
Web
Beginning in XXXX of last year, 2018, one of my loans with Discover Student Loans began being undercharged. I had set up the account in question to make automatic payments, and hadn't thought much about it since, seeing as the point of automatic payments it to be mostly hands off with the account. Each month, the account was paying slightly less than what was owed, creating a blemish on my credit. I did not become aware of the problem until XX/XX/XXXX, when Discover had begun calling my cosigner, my grandmother. I screen calls from scammers, and no message was ever left to my device before they began calling my grandmother. At this time, they were calling my grandmother about an amount equal to approximately {$5.00}. I was in the midst of losing my job at the time, and did not contact them until XX/XX/XXXX, when the account was squared and I complained of the improper charges. I declined setting up my other account for automatic pay, both because I was hoping to get my loans refinanced as well as because they had shown me little reason to put faith in their system. I called a second time on XX/XX/XXXX when I realized the same exact thing was still happening. This person finally took the time to inform me that when I had requested being set up for automatic payments, someone had instead set me up for ongoing payments of set increments. They said they had fixed the problem this time. As I had contacted several refinancing places since my last call and found that my credit had been slowly sinking due to Discovers incompetent negligence, I placed my other loan on automatic pay to hopefully help me keep my payments regular and try to repair my credit. I called a third time on XX/XX/XXXX when I realized that I had been charged a sum double what I owed on my account newly converted to auto pay, overdrawing my bank account. I had ample money if the appropriate amount had been drawn. They said they would disperse a refund for the difference, stating it would take as many as XXXX business days. It took a full week. I am writing my complaint now because three days ago, XX/XX/XXXX, I received a statement via mail that showed my account with {$5.00} overdue. This was the new account, my secondary, larger sum that had only been put on auto-pay on my XX/XX/XXXX call. Discover 's incompetence has now been inflicting damage on my credit for 9 straight months, with three attempts to rectify by contacting them, and three complete displays of ineptitude. I have not been able to secure payable rates through any refinancing company in that time, nor have I been able to receive affordable car insurance despite a perfectly clean driving record in the past 4 years thanks to my decaying credit score. The damage Discover has done has cost me exponentially more than the $ XXXX per month and an overdraft from my bank
08/31/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33311
Web
I believe I am a victim of fraud perpetrated by Discover Student Loans ( dba XXXX XXXX XXXX XXXX and XXXX XXXX ) and supported by XXXX Credit reporting. Specifically, I am being held accountable for an account that is not mine, and they have refused to provide me with any substantive information on such as a promissory note. I have never had a student loan account with this company, yet they are reporting me to the credit bureaus since XX/XX/XXXX and have harassed me for six years. For six years, they have called, sent letters, etc., but have failed to take any legal action or provide me with any official account paperwork. I have requested over this six year period that they leave me alone, but they have ignored me. To this end, for six years I have requested official signed verification from them, and they have ignored me. Moreover, each time I have called XXXX, they require that I provide my SSN and DOB before they even assist me. There is an account number listed on the correspondence they have sent me, but they claim that their own account number is invalid. For years I refused to give them any information, but on XX/XX/XXXX, after I learned they were reporting me to at least one of the credit bureaus, I gave them my SSN and DOB because I wanted assistance. They in turn used this information that I gave them to report the account to XXXX! Even after I gave them my SSN and DOB, they still would not give the promissory note, but demanded that I dispute the account on their website. When I learned they were reporting to the credit bureaus, I disputed the account. XXXX claimed the account was verified on XX/XX/XXXX with only a SSN and DOBthe very information that I gave Discover when I called for assistance one week earlier! Upon speaking with the supervisor, XXXX, on XX/XX/XXXX, she confirmed that they only verify with a SSN and DOB and do not require a promissory note or a signed contract. She refused to assist me further and stated that I should call Discover for further verification such a promissory note! I do not know where to go next. Discover will not give me any official documentation on this account and XXXX is upholding their practices. Both companies have shifted the burden to me to prove that this account is not mine and I have nothing to show because I have never contracted with them. On the other hand, I believe that Discover has a responsibility to provide me with documentation showing that I am responsible. Moreover, XXXX has a duty to report accurate information which they have also failed to do because they used only the information that I provided to Discover verify the account! Please investigate the practices of these companies. My credit is being damaged, and moreover, the companies are abusing their power to trick, harm, harass, and take advantage of consumers.
09/02/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • CA
  • 94605
Web
A couple of months ago, I asked Discover card to raise my credit limit. Discover card Associates kept making excuses why they couldnt raise my credit limit also they were telling me that I have serious delinquencys on my credit. One of the associates that I spoke to told me that my credit score was XXXX. So I dont know where he got that from. They said they have there own credit bureau. Thats how they judge you on your credit score not the three bureaus XXXX, XXXX, and XXXX. I spoke to several people about getting the credit raise but they would not raise the credit limit. So I reached out to the executive office XXXX. He had an executive lady from his office reach out to me and she told me that they was not gon na do it and never really gave a decent or intelligent answer on why. So I asked to speak to someone else about the situation in the executive office they wrote me a letter by email stating the same thing. So never did get any resolution to this problem. Then three days ago, I received an email stating that they were going to close my account in 30 days from the date of this email also they were going to lower my credit limit. So once again, I reached out to the executive office XXXX. To get this problem resolved. XXXX had this lady call me. As soon as I started talking with this lady she was very rude and Disrespectful. So while we were talking she started telling me that yeah we did an investigation on you and matter fact we did another one on you just lately. I said well what was the investigation about. So as I proceeded to started Talking about this subject. All of a sudden she says is there anything else that I can help you with. I told her I wasnt even done with the conversation. So no theres nothing else you can help me with. She stated you have some serious delinquencys. I said I look at my credit report daily what are you talking about. Then she stated, you havent did any Activity on your credit card in six months. ( Within the last six months we have been in COVID 19 ) This is almost like a situation with a landlord and a tenant. The tenant is not able to pay at this moment ( Due to pandemic ) and the landlord Gives the tenant eviction notice out of Spite. I Told her most credit Card company dont closed your account within 6 months. For no activity. I spoke to another associate before I spoke with her. He told me that it had to be no activity in 10 months. I ask the CEO ( XXXX ) of Company will they send me the disclosures that I sign at the time. About the 6 months inactivity will terminate your account. Also, the serious deficiencies that they see in their own credit bureau. I would like The consumer Financial bureau to investigate what type of Credit bureau is discover going by. Because they have stated several times that they do not go by XXXX, XXXX, and XXXX.
07/27/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • OK
  • 74105
Web
XXXX/XXXX/2017 - I was notified by Discover Bank that my checking and savings accounts had been frozen for security reasons because I had added an external checking account for transfers. Verified my identity and had them unfrozen. XXXX/XXXX/2017 - My mortgage payment in the amount of {$1200.00} was supposed to have been deducted from my account, however, only a partial payment of {$640.00} was deducted. I contacted the lender, XXXX XXXX, to find out what was wrong. XXXX told me that they received no payment at all because they were told the accounts had been frozen. The account specialist at XXXX conferenced Discover Bank in to assist as they had not initiated the ACH and had not received any funds. Discover Bank informed me that they did not know where the ACH had come from but that they could not give me the money back until they investigated the transaction and would get back with me in 7-10 days. I never heard back ... XXXX/XXXX/2017 - I sent a secure message to Discover Bank through my online account center stating the following : " There is a disputed ACH on my account that was supposed to be removed within 7-10 business days. It has now been nearly 3 weeks and I have heard nothing. This was Discover 's error as they had apparently frozen my accounts at the time because I dare to do the unthinkable and add a checking account to my external accounts, resulting in a declined mortgage payment. However, Discover screwed up and still processed the payment in partial, never giving the funds to XXXX but also never returning the funds to my account. XXXX was conferenced in and verified that the funds were never received as well. I need to know what the status of this request is and when the funds will be returned to my account. " XXXX/XXXX/2017 - Response received from Discover : " Dear -- -, Thank you for your message. I can understand your concern about your disputed ACH and no response from us. In an effort to provide you the best service possible, I have escalated this issue to the appropriate parties in our company for further assistance. We will respond as soon as we have any additional information concerning this matter. Thank you for your patience. If you have additional questions, click on the Help section of the Account Center, reply to this message or call us at XXXX. Our 100 % U.S.-based customer service team is available 24 hours a day, 7 days a week. Thank you for choosing Discover. Sincerely, XXXX Discover Bank Customer Service XXXX/XXXX/2017 - I have still heard nothing from Discover Bank and still do not have my money back. This is a lot of money and I need it back ASAP, so that I can pay this next month 's mortgage payment. The delay and lack of response is unacceptable, and according to what I 'm reading on the CFPB website, also illegal. Assistance is greatly appreciated.
09/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92129
Web
15 USC 1681 Section 802 of the Fair Credit Reporting Act states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy ''. XXXX is a consumer reporting agencies and I am the XXXX. I, the consumer, have the right to make sure my privacy information isn't shared which is backed by 15 USC 6801, stating, " It is the policy of the XXXX that each XXXX XXXX has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers ' nonpublic personal information ''. Discover Bank is a financial institutions by definition under that title. Also, 15 USC 1681 Section 401 Section A ( 2 ) states, " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates ''. The XXXX XXXX Discover Bank and the consumer reporting agency XXXX does NOT have my consent to furnish ANY information in regards to ANY items they are furnishing on my report and they surely do NOT have my written consent either. Any and all consent to XXXX and Discover Bank- whether it be verbal, non-verbal, written, implied or otherwise- is REVOKED. 15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. I was never informed of my rights to exercise my nondisclosure options by Discover Bank. Not only that- 15 USC 1681c ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information- any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years ''. The Discover Bank account is an adverse action account reporting without my permission- which is clearly against the law. 15 USC 1681s-2 ( A ) ( 1 ) states, " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ''. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing consumer report to the purposes listed under section 1681b of this title ''. And lastly, 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at ANY time ''. This is your notice that I am opting out of ALL of your reporting services.
11/27/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11427
Web
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
05/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 94121
Web Servicemember
I have a Discover card and got an unfair late payment report on my credit report. In XX/XX/2018, I noticed that my Discover card payment was late when I logged in my online account. I was surprised because I had automatic payment setup, but was able to update my payment bank account and fix the problem. However, Discover didnt tell me that the reason for my failed payment until the second failed payment after I chose to pay the balance immediately. I learned that my XXXX XXXX XXXX account was closed due to inactivity. I called Discover card customer service and was told that I updated my automatic payment using my XXXX checking account that there should not be a late payment credit report. However, I was surprised again by my credit report again later in XX/XX/2018 because of a 30 day past due. I have never stopped fighting the issue. I called last week and learned that from the customer service that theres no record of my late payment, but 2 late payment instead, and Discover does not report late payment unless its 60 day past due. I have communicated multiple times with Discover using their secure messaging system and got inconsistent replies, found their customer supports dont well comprehend their products and rules. Now, I think the passive way, emailing, Discover notices customers account issues is direct targeting on servicemembers because Discover doesnt try their best effort to perform their part of the agreementinform customers about late payment and servicemembers may be in training or missions where they can not access their emails. And, when I saw my first payment, I, like any average person, would pay the balance right away to avoid a late fee and late payment credit report. And that was a trap to pay a return check fee again as they didnt warn you that it probably would fail again and you should check your automatic payment. Furthermore, Discover uses automatic payment system takes advantage on people, who trust the system because I was told I was not past due since I updated my automatic payment when I called the customer service the first time, but in fact, the system considered I was late on a payment and report it automatically. Additionally, Discover have failed to deliver the service agreements for years and the Discover Card Account Terms ( PDF ) can not be viewed or downloaded from my logged in account on Discover website. ( Figure 1,2 ) And I just send Discover a message about the issue this morning and hope they can fix it. I had never late for any payment and had XXXX FICO score ( Figure 3 ) before this happened. I am an XXXX veteran, always have difficulty receiving mail from Discover while in the military, have never received any call from Discover, believe Discover took unfair advantage on me while I transitioned from military to civilian.
01/18/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60611
Web
To Whom It May Concern : I am having issues with Discover card billing resolutions. It is probably one of the most incomptent department you can imagine. I purchased the item on XX/XX/XXXX2017 from XXXX for XXXX Item was returned to XXXX using their prepaid XXXX label. Item was returned, however, XXXX did not give me any updates. Then I contacted them multiple times, they claimed that the box they received was empty. After confronting, and getting XXXX chat help involved, XXXX said it was not empty ; and XXXX then opened the case saying someone will respond to me in couple of days. I got no response. Then I tried again, the same thing happened. So I contacted Discover, asking to help me to resolve the issue. I got a lot of bubble gum, overly fake and sweet type of treatment, promising they are doing their best. Then few months later I found that the balance was higher than it supposed to be. Turns out the charge was reversed, and no notification was made by mail. So I had to contact them again, and re-explain the entire story. The case was reopened. Few days ago I checked again the account to see if there is nothing unusual, and I found again higher than normal balance. Turns out the charge was again placed back on my account. In dispute page it says 2nd review found the charge to be valid not sure how did they conduct the review. So I initiated again the chat with billing department. I got XXXX, if I am not mistaken, ( the same I dealt with at the start ) to talk to. She said she needs some proof with the weight. I had to reexplain the situation all over again. And I had to guide her to check my supporting documentation, which were a given XXXX label from XXXX and proof of delivery from the XXXX showing the weight. So I was told that oh they did not notice it because the weight information was so far on the bottom of the slip. According to previous rep- he already put the notes on this case before with the details. So I dont understand 2nd review found the charge to be valid without even looking into it? Then on the top of that I was told that the billing rep would not be able to reopen the case for me, needs supervisor to look into it, and supervisor was not yet at work. I think I spoke with them around XXXX so OK. I contacted them next day, I was told its under review. It was XXXX. I asked if I can talk to supervisor myself, it only takes 30 seconds to check everything out. XXXX told me that supervisor is not working. I asked for hours of supervisor- turns out supervisor does not even work. No one knows when he works. Today its XXXX day still nothing. And they bill me higher minimum payments for this, report to credit bureaus higher balances, and charge the APR for this. This is completely unacceptable. I attached the documents for a review for both CFPB as well as for Discover.
06/07/2017 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Problem with customer service
  • VA
  • 20120
Web
I have been in repayment now for about 17 months or more. I have tried calling to keep up with payments when I am switching jobs, when I am out of a job, or anything in between. I do n't know what kind of company Discover Student Loans or training they are running. But, I have, on several different occasions been told one thing, and then hear the opposite when I call in. The only consolation is, I am sorry you were given band information. This does not help my credit score or history. They have made so many mistakes in fact, that there have been multiple periods of time when I have dealt strictly with supervisors b/c representatives were either wrong or lying.

Discover Student Loans has also on several different occasions, promised me that because I had called in to set up a payment plan with them, they would not bother my cosigners. They would " put a note on my account to not contact my cosigners '' this has been false every single time and alarmed three different people for no reason when I have set up a payment plan with an agent. What is the point of alarming the cosigners when you have a recording and a written reference ticket for a payment plan I clearly agreed to and authorized?

I am someone who pays close attention to my credit score and I do not make a late payments, even if this means I do not eat. So, when I took a XXXX pay cut for a job that would help me move up in the XXXX world, I was advised by agents that if I make one full payment within 60 days that it will not be reported to credit. I unfortunately took this advice. This was false also. Not only did it affect my credit, but it also affected my cosigners. So much so, in fact, that one of my cosginers are unable to buy a house with a growing family. And it turns out, they did some digging and it was because of my loans.

Unfortunately for me, I can not utilize Discover 's cosigner release option b/c you have to make on time payments for 24 months to do so. Again, their agent did not specify to me that forbearance would cancel out however many months of on time payments I had made and restart the clock. If I had known this, I would never have applied for forbearance. In addition to this, no consolidation service is willing to work with me. I have tried at least 5, including my own bank. Discover also has a consolidation option which I can not use, I am not sure what the point of that service is if your own customers can not use it. I am out of options and I do not make enough to pay out XXXX dollars immediately. So, Discover agents and supervisors giving out incorrect information about what does and does not affect a consumer 's credit need to be held responsible. Moreover, the continued harassment of cosigners when they know I am about to make a payment in a matter of days or even hours, needs to stop.

08/29/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • VA
  • 22191
Web
Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint against Discover regarding the recent closure of my credit card account ending at XXXX. I am deeply concerned about the unfair and inaccurate actions taken by Discover, which have not only caused unnecessary stress but also put my credit score and financial stability at risk. I have been a loyal customer of Discover for XXXX years and have consistently maintained a strong payment history with them. However, On XX/XX/2023, I encountered an unexpected issue when attempting to use my Discover credit card through XXXX XXXX. To my surprise, the card was not functioning on the platform. This prompted me to contact Discover 's customer service to seek clarification regarding the matter. During the conversation, I was informed that my credit card account had been closed due to miss payments for the last two months. I immediately contacted Discover 's customer service to address this issue and clarify the situation. Upon speaking with their customer service representatives, I was informed that the payments were returned due to insufficient funds in my bank account. This information contradicted the reality of my financial situation, as the payments were indeed deducted from my account on the specified due dates. To further validate this, Discover reached out to XXXX XXXX, the financial institution from which the payments were made, and confirmed that the payments had been received and processed promptly. I firmly believe that the closure of my credit card account was unjustified and based on incorrect information. I have diligently upheld my financial responsibilities and made consistent payments on time. It is disheartening to see my efforts to maintain a positive credit history undermined by this incident. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the situation. I am seeking the reopening of my Discover credit card account, as well as a correction of any negative impact on my credit score resulting from this unjust account closure. It is my hope that this complaint will help shed light on the questionable practices and decision-making of Discover, and prevent other consumers from facing similar issues in the future. I have attached supporting documents, including bank statements showing the timely payments made and correspondence with Discover 's customer service representatives. I am more than willing to cooperate fully with any further inquiries or information required to resolve this matter. Thank you for your attention to this serious issue. I trust that the Consumer Financial Protection Bureau will uphold its commitment to consumer rights and fair business practices. Sincerely, XXXX XXXX
06/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 117XX
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I the consumer checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry was made : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX NJ XXXX Inaccurate information reported DISCOVER FINANCIAL SER Inquired on XXXX XXXX, XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXXXXXX XXXX DE XXXX Inaccurate information reported XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Inaccurate information reported XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inaccurate information reported I the consumer contacted XXXX XXXX, XXXX XXXX XXXX, Discover Financial and XXXX XXXX Card who were the ones who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I the consumer also asked them to stop their illegal activities according to 15 USC 1681b 604 ( 2 ) immediately, but there has been no change and no response from their office. Since I the consumer sent these letters more than 30 business days ago, they have not responded and they failed to honor my request. The inaccurate information being illegally reported has unfortunately caused me harm. I the consumer wasnt able to obtain credit, housing, or employment and my ability to obtain insurance because of this inaccurate and unverifiable information is being reported on my consumer report. I the consumer did not apply for this and had the ( credit bureau ) been in compliance with the FCRA 604 15 USC section 1681b and 15 USC 1681A ( 1 ) as well as 15 USC 1681A ( 4 ) of the FCRA fairness, respect for consumer rights, impartiality and my right to privacy as the consumer would not have been violated. The banking system, being dependent on accurate credit reporting which is an essential part of the bank 's function as well as the publics confidence would not have been violated. It is your duty as a consumer reporting agency to report accurate information which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevance, and proper utilization of such information in accordance with the requirements of the FCRA 15USC 1681B. I the consumer would appreciate your help in resolving this matter and removing this inaccurate information within 15 days required by the law. Please never ever report this inaccurate information on my report ever again. Thank you for your help and assistance. Sincerely, XXXX XXXX ____________________________ XXXX XXXX
10/22/2019 Yes
  • Debt collection
  • Federal student loan debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • IN
  • 469XX
Web Servicemember
I called XXXX this morning to arrange payment on my school loans that had gone to default. I dont make a lot of money, I have a lot of other bills, but I would like to be working towards some end of my debt, even if Im making small payments. The call started off relaxed as I explained I wanted to start off with small payments and increase them in the future. This is where things started to take a dark turn. I was told I needed to make a payment of over {$4000.00} up front and then go onto a payment schedule of over {$600.00} a month. I told him that was impossible. My budget allowed more towards {$100.00}. He started to become invasive in where I worked, what kind of money I make, telling me there was no way theyd allow me to make that low of a payment. I had let it slip early on in our conversation that I worked in retail and would have longer hours soon. He said I should put all of my extra money into paying my loan and that I should also use my tax return for it. I was getting beside myself and trying so hard to get him to understand I couldnt, I needed a new car ( mine is totaled ) and he took advantage that moment to accuse I was trying to put all my money towards a lengthy car payment ( not true ), to which I said, look, I have to drive to work in order to pay you, if I dont have a car to drive to work, I have nothing. I said somewhere I was borrowing my moms car and he said I should ask my parents for money to pay the loan. I said, well, my dad is dead. My mom is on a fixed income. He kept pushing that my mom should pay my loan. I said, Im supposed to just borrow my moms money and try and pay her back over 20 years? And he said like youre doing to us? I said the whole argument was ridiculous because she has no money, shes sick, and over 70 years old. He stopped pressing that point. Then he said I should get a second job. At this point I was crying. I was in therapy just to be at THIS point, I couldnt handle a second job. I was sobbing. I said I called him, I was trying to give him money for my loan. I said it was pointless to tell him, but that were at time in our country where people arent paying loans. But I called HIM. Im trying to pay and he wont let me. He finally said he would accept {$200.00} a month for 4 months and then reevaluate in XX/XX/XXXX. This was horrible. I was determined to start paying back what I owed and now Im fearing how Im supposed to go on without an extra XXXX dollars a month. I felt attacked personally on all sides, I felt traumas revisited, i feel less inclined to try and settle other debts, I was crying on and off through work all day. I feel abused and emotionally exploited. This is a problem because I know Im not the only one experiencing conversations like this. It is not helping and it makes me want to cancel everything and just disappear.
03/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MS
  • 38671
Web
On XX/XX/2019 Discover Financial Services were contacted by complainant due to incorrect XXXX XXXX Bankruptcy filing being reported to XXXX. Upon investigation, Discover found that the bankruptcy filing was intended to be added to a different account for a customer bearing the same name and same last four digits of the social security number, although the COMPLETE social security number, date of birth and mailing address DO NOT match. Discover verified with the complainant that the bankruptcy filing was a mistake and reinstated the complainant 's credit card account without penalty. Complainant was told that credit bureaus " should '' not be notified. On XX/XX/2019 the complainant filed an online dispute with XXXX due to incorrect XXXX XXXX Bankruptcy filing reported by Discover Financial Services. A full description of the situation was provided in the dispute. During XXXX XXXX investigation, they contacted Discover, referenced the LAST FOUR DIGITS of the social security number instead of the COMPLETE social security number necessary to differentiate between the complainant 's account and another customer with similar SSN. Thereby, accessing incorrect customer account information. On XX/XX/2019 the XXXX investigation determined that the reported XXXX XXXX Bankruptcy filing listed in the complainant 's credit report was accurate and would remain on the credit report for seven years. On XX/XX/2019 complainant contacted Discover and spoke with Customer Service Supervisor, XXXX ( employee ID # XXXX ) from XXXX, who verified the complainant 's account using the COMPLETE social security number, notified the complainant that a separate investigation would be opened with a " back office team '' who " should '' report their findings directly to XXXX and correct the incorrect credit report. XXXX stressed the importance of investigators using the COMPLETE social security number in order to access the correct customer file throughout the investigation. XXXX claimed that he was UNABLE to provide the complainant with any documentation that reflected the inaccuracy of the credit reporting and the lack of a XXXX XXXX Bankruptcy filing on the complainant 's account. Therefore, the complainant has been unable to provide additional supporting documentation to the XXXX dispute claim in order to rectify the problem. On XX/XX/2019 Complainant called XXXX dispute office to challenge the dispute, offering to contact Discover Financial Services on a conference call in order to ensure the use of the COMPLETE social security number being used to access the correct account information. That request was denied. Instead, credit monitoring was offered for future protection of my social security number and accounts. Complainant was notified that additional investigations could take up to 30 days.
11/29/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 77036
Web
On or about XX/XX/2018, I was notified by XXXX Credit Bureau that XXXX XXXX reported over the balance with a decrease in credit by two FICO scores. I logged into the bureau to find by Discover cover over {$150.00}. I called discover no one had the info and I thought it was related to illegal activity on my account. I logged into my Discover account only to find that on XX/XX/2018, Discover did a repost to a dispute for {$220.00}. he company did not notify as advertised or make a called to see if I wanted to challenge the amount or what was going on. Discover then allow a representative on XX/XX/2018 to approved the {$220.00} from the merchant to be legit and failed to look at the required contents of the submission provide my the account holder. I have excellent credit and only at lease pay Discover balance in full mostly every month. To not get notified of this overcharge or dispute is not within ethics, standards nor does it restore confidence and Integrity with Consumers. The agent acted without thoroughly reviewing what Discover had previous requested for the initial dispute. The documents was in view but, this agent just sided with a company who Scam me and may be others. On XX/XX/2018, I spoke to a supervise and she resubmitted the dispute and gave a provisional credit. I had previously report this same merchant to XXXX and XXXX stated they had zero tolerance for merchants like XXXX with scamming customers and it was against their policy. I have used this merchant in the past but, no for this type of services and they had always completed within one day. This last project they lied to get my money then, gave me the run-arounds for a month and tried to credit for my work. I called Discover ( spoke with a different Supervisor ) I told her about the agent on lack of effort of them not reviewing the documents and she stated, " It not a legal requirement to do so! '' I asked then, why would Discover have me to download the Proof when, Your not going to hear what your customer has to say or give them rights! She then turned into a unlicensed attorney, " That is way you need to take legal actions because, it looks like to me all the work is the say! '' I don't know how Discover made her a supervisor. She was not speaking in terms knowledge of Discovers mission statement, value, Integrity, or trying to restore confidence like the first supervisor. ( my understanding from the conversation ) She's telling me, '' we don't care its what every the merchant states. Your complaint is just going to repose again. Your wasting your time. Out of her own mouth- That's why you need to filed this in COURT ... WOW. So, Since Discover did the repose on XX/XX/2018 hurting my credit and this last supervisor advising me to file this in COURT. I feel I have no RIGHTS and Discover will do this again.
05/12/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • NC
  • 284XX
Web Older American
On XXXX XXXX , XXXX , I calle d Card Member S ervices, to request an extension of 6-12 months at the rate of 0 % originally set for this card. Sharing the fact I am XXXX , and am still impacted by the 10.7 % unemployment rate, and am working with our XXXX XXXX XXXX agency to remedy the situation, as yet unsuccessfully. I have already attempted to remedy the situation before it happened through meeting with the XXXX XXXX XXXX XXXX agency, who applauded me for my tight budget, and told me their h elp may co st me more than help me. I feel stuck between a rock and hard place, unless an extension is allowed by the creditor. Here is a copy of the message recapping the calls which I have also posted in a message on my account at the Card Holder services. Their response was NO HARDSHIP ASSISTANCE WAS AVAILABLE TO ME. COPIED MESSAGE " XXXX XXXX , XXXX DiscoverCard undisclosed interest rate for current period being incurred. After speaking with XXXX , XXXX , XXXX and finally XXXX , explaining the impact of the current unemployment figures on the XXXX employable people seeking work at 10.7 % over the protracted period including both XXXX XXXX and XXXX XXXX , I, as a XXXX individual, am still faced with lack of earning to support an increase in interest on my account from 0 % to 23.24 % or market based value as stated by XXXX and other staff, but not printed on my account anywhere of 23.74 % on my next bill. Nor have I been able to 'discover ' the disclosure, I requested from each department. I requested a disclosure in print of the new amount currently being incurred, at the rate verbally disclosed to me today of 23.74 % to no avail as I reported to XXXX and XXXX at DiscoverCard vi a phone today, and no help with other hardship assistance. I reported to yo ur Card Member Services representative/s who XXXX assures me could not help with any hardship assistance to extend the 0 % for any length of time. I asked 6 months longer if possible, and explained to XXXX how he may fe el when making a credit purchase, for which the interest climbed excessively during a XXXX period and a statement arrived with the addition cost included in his outstanding balance. It is obvious these people do not understand the impact of going from 0 % to 23.24 % or in this case 23.74 % without the means to pay, yet it is almost guaranteed at some point they will 'discover ' how this works. Perhaps they will find a hardship assistance method in the meantime. A copy of this message will be shared with the FTC.gov, the ConsumerFinance.gov, the ADA.gov. '' Please review with the mind of a person protecting XXXX rights as well as a debtor making efforts to meeting untenable terms. Thank you. See most recent statement wit h credit score attached.
12/04/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MO
  • 63028
Web Older American
I had an open case with Discover because of adispute and while so, Discover was supposed to refrain from charging interest. They charged interest before a decision was made on the dispute.First concern is the interest on the account. On XXXX Discover charged me $ XXXX on a statement ending XX/XX/2023, their decision on thedispute wasn't made until XX/XX/XXXX ( that I was responsible for charges incurred while being literally held up by scammers. I was threatened to purchase gift cards & then read the numbers ) XXXX, XXXX XXXX from the executive office of Discover financial services, stated in her letter dated XX/XX/2023 that quote, " We try to detect scams and decline any potential scam transactions or alertconsumers to potential scams before they occur. " Discover should take responsibility and be accountable for what happened to me because of the lack of scam detection. Discover is supposed to decline unusual transactions. Discover should have declined the transactions on a card that belonged to someone that historically does notcharge that large amount of money and in fact, about the same amount is put on thecard every month. I use Discover card mostly for monthly billing accounts and groceries. I pay the Discover bill in full every month. Discover should have declined the transaction when10 gift cards for {$500.00} apiece were being purchased. XXXX XXXXXXXX store in another town would only give me one {$500.00} gift card. I asked him why and he told me because it couldbe a possible gift card scam. He was aware of gift card scams. Had the XXXX store done the same, I would only be out the XXXX gift card. I have done some research and found that Discover is aware of gift card scams. When XXXX {$500.00} gift cards are purchased, on a card that does not charge that large amount, a credit card issuer who is aware of such a scam should have questioned the transaction, declinedit. I should not be held entirely responsible for this loss of money. XXXX made XXXX {$500.00} gift cards for me with neither XXXX or Discover questioning thetransaction. After XXXX, I got scared and didn't want to do it anymore. The amount of money made me mentally & physically sick. The XXXX store was local, it was raining, I was wet and inmy pajamas. I had been crying for hours and no one seemed to notice. I am requesting to speak to XXXX XXXX ' superior, please. I would like to get this resolved without Discover just washing their hands of this and it going away. Unfortunately, it won't just go away for me struggling to make payments & interest on {$6000.00}. I am on {$1200.00} SS, {$400.00} pension. I had XXXX and then a XXXX. My son lives with me and he is on XXXX. I just had to charge {$1200.00} to get my car fixed after weeks of waiting. How do they think this is going away. Thank you
08/23/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 34667
Web
Ive been a victim of identity theft for the last two years. I opened a savings and money market acct with Discover Bank last year and a checking account a couple months ago. Up until opening my checking account I never had any issues with my two other accts. Upon opening the checking though, unauthorized transactions from XXXX XXXX started popping up, a lot of them. I informed Discover Bank that I was a victim of identity theft and told them that I havent had an active XXXX XXXX acct in my name since XX/XX/XXXX. On XX/XX/XXXX I had to file yet another dispute on my accts. I had been told previously that they wanted to issue me new acct numbers and change my password but couldnt do it until all trasaction posted. I think the day before they had placed a freeze on the acct until the transaction on the acct posted and informed me that in order to access my funds all I needed to do was to call in to the fraud department and they would lift the freeze long enough for me to move money and then refreeze the acct. on XXXX at XXXX I had decided to just have all the funds wired out of the acct. However at XXXX that day the wire hadnt happened yet so I called and they told me that Id have to wait until XXXX for the wire transfer. I told them no and to cancel it which they said they did, and I was able to move some money out of the acct. when I called XXXX afternoon I was also told that everything has posted so they were issuing me new acct numbers and unfroze the acct. XXXX XXXX however, I had received notification that my brand new acct had been frozen already and I had no clue why. I called and spoke to the fraud department who asked me a couple questions said everything was good and forwarded me to the dispute department. The dispute department told me funds should be in my acct the next day and to keep an eye on it. However, before hanging up the lady told me I needed to be transferred to one other department. When she transferred me after being on the phone an hour the lady said that they had made the business decision to close my acct! With all my funds still in it. They closed my acct after making me open a brand new one and didnt take the fact that Im an identity theft victim into consideration and despite the fact that I had asked them to block cash app from continuing to access funds from my acct. they continued to let it happen but yet Im being punished for it. And after that more money went back into my acct. now Im being told 10-15 business days to receive a check. I dont have 15 days to wait for my money back when this is all their fault. This is exploitation of a XXXX identity theft victim and its conversion, which is also illegal. I want access to my funds via wire and I want my account to remain open. Its not fair that they punish me cuz they didnt do their job.
01/24/2017 Yes
  • Credit card
  • Balance transfer
  • MT
  • 598XX
Web
I received an advertisement from Discover Credit Card approximately three weeks ago. I do n't remember if it was in the mail or via email. It advertised a low interest and zero cost balance transfer from another credit card. So, in part of the online application process, I included balance and account info from the other credit card company, so if approved Discover would automatically transfer the balance. The screen then switched to another menu and I was informed that I was not approved for the special rate. I was asked if I wanted to open the account anyways. I said yes, and opened the account. I want to be very clear, at no time was I offered any information about a balance transfer under a different offer. I was completely under the impression that I received a new credit card account, and that was it. I was not told about a new modified from original offer for a balance transfer, fees or rates. I received my new credit card and activated the card and set up on line access. They offer a service where you get text messages whenever something happens with the account, I activated this feature. A few days later, I received a text message, letting me know that Discover had authorized a balance transfer. I immediately called. They stated that they understood, but the transfer was already in process and they could not stop the payment, their adivce was to contact my other CC company and have them refuse payment. I then called my other credit card company, and they said there was nothing they could do, the money would come electronically. Their advice was to call back to Discover and have them stop payment. I re-contacted Discover and asked them again to stop payment. I was informed at this call, to wait until the money was transferred, and finalized and then call them back and they would fix it. I then called Discover on XXXX/XXXX/2017 and spoke with a rep named XXXX. He was empathetic, but that 's it. I was told the transfer stands, there was nothing they could do about it, my only option was to contact back to the other CC company and request a balance transfer back to the other account. I was stuck with the almost {$70.00} in transfer fees and a much higher interest rate than I was previously paying. I asked if they would at least remove the balance transfer fee. I was told no. I asked for a lower interest rate. I was told no. I would not have approved this balance transfer if given the option. I 'm paying a higher interest rate, plus fees to transfer. I was only interested in the " teaser '' advertised rate, of no fees and low interest. During the application process, I was not given a choice, nor told it would transfer anyways with the different approval IE higher fees and rates. I was told there was nothing they could do, or were willing to do, I was stuck.
03/07/2021 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 29707
Web
We had a home equity loan with Discover Home Equity Loans. We sold the house and had a closing set for XX/XX/XXXX. The closing attorney pushed the closing to XX/XX/XXXX and the final payoff was submitted by the closing attorney. We completed closing and thought all was well. I received a call on XX/XX/XXXX from Discover Home Equity saying that we were late on payment and that they had not received a monthly payment since XXXX. After 3 hours on the phone with them and being switched around to many people, we learned that they received our final payoff from the closing attorney on XX/XX/XXXX. They said it had a {$120.00} shortage. They stated that a letter was sent to us on XX/XX/XXXX and that the letter was NOT sent certified. As of XX/XX/XXXX, we have not received this letter. They also stated that they called every day. We had no knowledge of their calls or received any messages from them until the call received on XX/XX/XXXX. They returned the entire payoff amount back to the closing attorney on XX/XX/XXXX which the closing attorney received on XX/XX/XXXX. Throughout all of this they started to hit our credit reports with late payments for our loan. The closing attorney re-sent the final payment with an updated amount and Discover received that payment on XX/XX/XXXX. As of XX/XX/XXXX the loan has been paid in full. However, there was no communication that any of this was happening, we never knew that there was a shortage on the original payoff, we have no idea why they sent the entire wire back which took multiple days, the closing attorney had no knowledge anything was amiss until they randomly received the money back on XX/XX/XXXX from the XX/XX/XXXX closing date. We are trying to get a mortgage and are not able to because of the late payments Discover Home Equity listed on our credit report from the closing situation. We have explained the situation and have even asked them to do a goodwill removal of the late payments. We had excellent payment history until the closing of the house. This is hurting us tremendously and we do not know how to correct something that was completely out of our hands. Discover has sent us a check for an overpayment on XX/XX/XXXX that was more than the original shortage that started all of this. We have not received any communication from Discover that the loan has been paid in full. I was only made aware of that by looking at my account online. Our credit reports are still showing the loan as open and with the payoff balance being owed. Also, I am not able to see any of the activity that took place in XXXX with the payoff being sent, a shortage and the full payoff sent back on my account online. Ive attached what I am able to see in my online account and have attached documents from our closing showing that closing was on XX/XX/2021.
05/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • NY
  • 10453
Web
Have multiples account reported to my credit report incorrectly, they are harassing me. I would like to be remove from my credit. the credit report have than post it, for example XXXX have the majority. I do have a police report with identity theft on those credit card, as proof. I need you help on this matter please. XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$6.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Highest balance {$13000.00} Terms On record until XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$13.00}, XXXX past due as of XX/XX/XXXX. Status updated XXXX XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Highest balance {$13000.00} Terms - On record until XX/XX/XXXX DISCOVER BANK Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, XXXX written off. {$8.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$8200.00} Balance updated XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$4200.00} Balance updated XX/XX/XXXX Credit limit {$5000.00} XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$860.00} written off. {$860.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$860.00} Balance updated XX/XX/XXXX Recent payment Monthly payment Credit limit {$700.00} Highest balance {$860.00} On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$830.00} written off. {$830.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$830.00} Balance updated XX/XX/XXXX Recent payment Monthly payment Credit limit {$750.00} Highest balance {$830.00} Terms -On record until XX/XX/XXXX XXXX
04/12/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 92553
Web
I am being reported to the credit bureaus for a XXXX late payments when I submitted my payment by XXXX XXXX XXXX. In fairness, I should only be getting reported for XXXX missed payment. I knew that it would not rectify both late payments, despite the error being based on my credit union 's stop payment on the XX/XX/XXXX payment. I had to put in a stop payment with my bank, XXXX XXXX XXXX XXXX XXXX, when I had accidentally paid the entire balance of {$2600.00} instead of a smaller payment of {$200.00} by pressing the wrong button on the app. The stop-payment was put in place by my bank, but I did not know that a stop-payment would be placed against the future payments I would make on the app. I received phone calls from Discover, but I had thought that these were telemarketers or frauds calling me to solicit products. It turned out that my {$200.00} payment for and subsequent {$95.00} payment ( XXXX and XXXX ) were returned by my bank, as well. I had asked the customer service representative at Discover if I could pay by XXXX and resolve the matter of the second late payment -- it was too late, in my opinion, to rectify the issue of the first late payment. I know at least XXXX late payment would be reported to the credit bureaus. He said yes. Under the impression that a wire payment would bring me up-to-date, I paid {$150.00} dollars, higher than what was required, on XX/XX/XXXX at XXXX PM, XXXX. I assumed that it had been posted THAT DAY. I checked with Discover on XX/XX/XXXX, and they said that it did not post, that sometimes XXXX and the like agencies do not POST the payment on the same day. I feel that this is unfair. I paid the money on the XXXX by wire, which should qualify as a same-day payment. Discover reps I spoke to said that because they can not guaranty that the merchant through which I sent the XXXX ( XXXX XXXX store ) might have been the problem, they could not call my payment as posted on XX/XX/XXXX. I have never encountered this problem with ANY payment to ANYONE before using XXXX. I paid my bill, and it should be counted as having made it in before the second billing cycle ended ( ending XX/XX/XXXX ). I wanted to ask for a leniency on this matter. One, I have been an excellent customer of Discover Card for years, and my credit is excellent, over XXXX points. One missed payment -- accidental, at that -- is bad enough, but TWO? It will wreck my credit, and for something I did not know was going wrong. If I can not get leniency on the first missed payment, they could at least acknowledge that I made the second one before the end of the billing cycle by electronic payment. What the merchant did or did not do was not my fault : I had paid the money before the end of the billing cycle. I even had printed proof of a transaction. This is UNFAIR.
02/16/2021 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • TX
  • 75094
Web
1.On XX/XX/XXXX, through Discover Online Saving 's Transfer Money function, I initiated an ACH deposit of {$50000.00} from my XXXX checking account to Discover. Due to the insufficient fund in my XXXX checking account, this tranfer failed. ( From XXXX transaction : RETURNED ITEM FEE FOR AN UNPAID {$50000.00} ITEM - DETAILS : DISCOVER BANK ETRANSFER XXXX WEB ID : XXXX ). 2. On XX/XX/XXXX, after I saw the transaction of XX/XX/XXXX transfer failed showed in Discover account, I made a {$50000.00} ACH deposit transfer from XXXX to Discover, and this time the {$50000.00} fund left XXXX ( XX/XX/XXXX DISCOVER BANK ETRANSFER XXXX WEB ID : XXXX ) and arrived Discover Saving on XX/XX/XXXX. 3. On XX/XX/XXXX, I noticed from Discover account, Discover issued a reverse ACH deposit of {$500000.00} to XXXX without my authorization. I called Discover in the same day to check, and was told the reverse deposit is for the transaction I made on XX/XX/XXXX, even though they did not received any fund due to insufficient fund, they still somehow posted it in my account. Therefore, I was told nothing need to do as they already received the {$50000.00} ACH deposit on XX/XX/XXXX. Note : I never received any Reverse Deposit from Discover in my XXXX checking. 4. On XX/XX/XXXX, I noticed that Discover issued another Reverse Deposit of {$50000.00} to my XXXX checking without my authorization again. I called on the same day again, and this time I was told a different story : The Reverse Deposit of {$50000.00} on XX/XX/XXXX is for the failed transfer on XX/XX/XXXX and I should received it in up to 3 business days. The previous Reverse Deposit on XXXX is for the transfer on XXXX! Again, I waited a week, no any Reverse Deposit hit my XXXX checking. 5. I made 3 more following up calls to Discover to try to locate my {$50000.00} fund and the latest one is on XX/XX/XXXX with ref # XXXX. The latest they told me is that the {$50000.00} has left Discover and is with their " middleman '', and I have to ask XXXX to request it from this " middleman '' to get my money back! This is so ridiculous to me and to XXXX ( I talked with XXXX, they do not have such procedure ) .I tried so hard to ask help from Discover and ask them to escalate this BIG SYSTEM ISSUE to their upper management, and was told that all XXXX upper leaders at Discover provided the same solution, which is no solution and Discover has nothing to do to get the money back to Discover or XXXX. They refused to continue on my case. 6. During the time of long conversation with Discover representatives, I also learned the similar SYSTEM ISSUE happened not on myself, but also other customers. I am so worried about my missing {$500000.00} day and night. As of today ( XX/XX/XXXX ), there is no any help from Discover and my money is just gone!!!
11/28/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MI
  • XXXXX
Web
XXXX XXXX XXXX became aware of several unauthorized charges. I spoke directly with a Discover employee and explained why charge with XXXX XXXX, of XXXX was not authorized. The employee told me he would not investigate the dispute after one letter from XXXX XXXX of XXXX which contained fraudulent documents which Discover was aware of last XXXX has not disputed nor followed its Cardholder Member Agreement. I filed a prior Complaint with your Agency and the Discover reply was not factual accurate and did not include detailed letters I submitted to Discover which did not lead to a Discover fraud and security investigation and should have. I discussed this with an XXXX at Discover as I had always made the required minimum payment, but recently wrote him to suggest my minimum payment be placed in escrow as the minimum payment pursuant to the Cardholder Agreement is 2 % of the account balance, which is inaccurate because of the {$3600.00} unauthorized purchase at XXXX XXXX of XXXX. Rather than the Discover XXXX reply to my suggestion that we put my minimum monthly payment in escrow, as every other payment had been made timely, Discover arbitrarily and capriciously reported my account as derogatory to the Credit Reporting Agencies. Also the Customer Agreement with Discover provides for a procedure for " Your Rights If You Are Dissatisfied With your Credit Card Purchase '' providing I may have the right not to pay the remaining amount due on the purchase. I discussed this with the XXXX at Discover, XXXX XXXX, as he had previously told me Discover had a third party agency to handle these matters when Discover Card Holders are not happy with their purchase. I told him I was not happy with the purchase of the XXXX XXXX XXXX made at XXXX XXXX XXXX XXXX on XX/XX/XXXX, attempted to work it out with the merchant and was not successful. XXXX XXXX told me on XX/XX/XXXX Discover no longer has this policy, and stopped it in XXXX. I have only been a Discover XXXX XXXX since XXXX and my Customer XXXX clearly states the policy, so he was dishonest with me. Further, for no basis whatsoever Discover refused to reissue me a replacement card, after their were unauthorized purchases, which Discover investigated and agreed with me they were all, but the XXXX with XXXX XXXX not authorized. The XXXX XXXX XXXX, even wrote me a personal letter telling me his opinion I was a Cardholder in good standing with Discover. In fact many employees of the Discover Fraud and Security Staff directly told me their opinion my Cardholder status should not be restricted, and I even received a letter from Discover after this telling me I was going to be receiving a new card which I could activate and use as I had available monies on my Credit Limit with Discover. I received the Card but could never activate it.
08/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 631XX
Web
XX/XX/2023 Hello, Good Morning, I hope your doing well. Request for Immediate Deletion of Charged-Off Account Pursuant to XXXX XXXX XXXX I am writing to you regarding an account that is currently charged off in my credit report. I kindly request your assistance in facilitating the immediate deletion of this account from my credit history in accordance with the XXXX XXXX guidelines. According to the XXXX XXXX guidelines, specifically Section 605, the creditor has the ability to delete or update information reported to credit bureaus, provided it is accurate or no longer relevant. I firmly believe that the charged-off account mentioned above can be deemed as accurate and obsolete, warranting its prompt removal from my credit report. In support of my request, I would like to highlight the following reasons : 1. Inaccuracy : Upon thorough review of my credit records, I have discovered several discrepancies and inconsistencies pertaining to the reported details of the charged-off account. I believe these inaccuracies may have arisen due to data entry errors or miscommunications. 2. Verification : I kindly request that you validate the authenticity and accuracy of the information reported for the mentioned account. As a consumer, I have the right to request verification of any data affecting my credit report. XXXX. Timeliness : The deletion of this charged-off account is of utmost importance to me, as it is negatively impacting my creditworthiness and hindering my ability to secure favorable credit terms. I kindly request that you expedite the resolution of this matter within five ( 5 ) business days, as allowed by the XXXX XXXX guidelines. I have now pointed out the mistakes so this account needs to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. Please be advised that, as per my rights under the Fair Credit Reporting Act ( FCRA ), I will monitor the progress and outcome of this request closely. In the event that the requested actions are not taken within the specified timeframe or if the account is not found to be inaccurate, I may be compelled to pursue further remedies available to me under the FCRA. I appreciate your understanding and cooperation in addressing this matter promptly. Thank you for your immediate attention to this request. I look forward to a swift resolution of this issue.
01/19/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60611
Web
To Whom It May Concern : Discover was involved to get the case resolved on my behalf but they did nothing. Although I included all the support documentation from 3rd part government website showing that no service was rendered. The case was resolved into my favor, then, it got denied, and automatically got into the so called second review, which is basically a bit of time waste and then denial, since no one really looks into documents provided until CFPB gets involved. I contacted Discover few times, they said they will have a serious look into the issue and they will get back to me. But they never did. Summary of the service to be received : Attorney XXXX XXXX XXXX was contacted on XX/XX/XXXX for help in regards the driving ticket representation. He promised to get the traffic charges and we agreed upon 2 payments each of {$450.00}, total amount due would be {$900.00}. Ticket violation was XXXX ( DISREGARD TRAFFIC CONTROL DEVICE ). On XX/XX/XXXX Attorney XXXX XXXX XXXX left message saying I should pay the fine ( {$150.00} ) now and that I have an outstanding balance of {$450.00}. I checked on the phone, and it looked like the court was rescheduled from XX/XX/XXXX to XX/XX/XXXX so I was a bit confused if charges were dismissed, then why to pay the fine? Keep in mind that XXXX XXXX court payment processing website updates the info in real time. Then on XX/XX/XXXX Attorney XXXX XXXX XXXX sent multiple messages saying he is withdrawing from the case, keeps the funds and not going to help any further and I can deal on my own. Although not long ago he advised that the case is over, and 2 payments had to be made one for {$450.00} to pay the balance, and {$150.00} for fine ( for a dismissed charge ). On XX/XX/XXXX the payment however was made for {$450.00}, but {$600.00} were billed, saying the charges were dismissed. However, on a website when I checked, it says the ticket was paid on XX/XX/XXXX for DISREGARD TRAFFIC CONTROL DEVICE, which is the same charge as charged initially. At this point the situation is that Attorney XXXX XXXX XXXX was paid to get the charges dismissed, and in the end I got guilty as charged, had to pay the fine for the violation, and attorney for paying on my behalf the ticket online billed me {$900.00}. For dismissed charges you dont pay fines. For Discover disputes service I included the screen shots to see before/after the court dates to see that it updates info in real time, shows the charges, I also included the ticket information and highlighted another ticket what to look at ( original charge and to compare it with the website as well as how to XXXX XXXX XXXX to see the violation ( which is in the ticket ) and compare against the court website. You may also validate it here : XXXX XXXX XXXX enter ticket number : XXXX
01/12/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NY
  • 11201
Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Discover, for committing Fraud. I have never given Discover, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I have sent in a Legal Tender payment coupon to company in XX/XX/ 2022. Company did not apply my payment and closed my account without giving reason or notice. Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt that I already paid, and you refused to accept, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports. Return requested documents so I can properly assess the validity of any debt Cease and rescind use of my intellectual property, my signature stating I agreed to close such account or was giving notice to close such account. U.C.C 3-602/U.C.C 3-603/U.C.C 3-311/U.C.C 3-419/U.C.C 1-308/12 USC 411/ According to pervious response company claims and I quote We can accept late payments, partial payments or payments marked payment in full or with any other restrictive endorsement without losing any of our rights under the Agreement. Additionally, you must pay in U.S. dollars.. Discover conducts regular review of our customer accounts and on XX/XX/, 2022, in accordance with the terms and conditions of the Cardmember Agreement which state ; Which seem to be false information. To my understanding according to the payment information on the back of the slip it states : Send only your allowable form of payment ( " Payment '' ) and the bottom portion of this statement in the envelope provided, after affixing postage. Please do not send cash. Sending cash is not allowed. The processing of your allowable form of Payment may be delayed if you send cash or correspondence with your Payments This brings a lot of confusion and sounds like fraud actively have occurred by your company. The company stated I must pay in U.S dollar and I know that a U.S dollar is Legal Tender. Legal tender as the currency of a nation in the form of paper money. Legal tender is considered valid for payment of any financial obligations. Legal tender is a form of money that courts of law are required to recognize as satisfactory payment for any monetary debt. Each jurisdiction determines what is legal tender, but essentially it is anything which when offered ( " tendered '' ) in payment of a debt extinguishes the debt. The act of tendering the payment in legal tender discharges the debt.
06/06/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TX
  • 78537
Web
I received a call from an unknown number on XX/XX/XXXX, XXXX XXXX. There was a voicemail left by a woman by the name of XXXX XXXX ( private courier ) - she stated that I will be served paperwork/documents on XX/XX/XXXX, at my residence. She added that I can call the filing party at ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX ) if I have any questions. I call the number and was transferred to a XXXX XXXX ( senior paralegal ) where he proceeds to ask if I am settling an old debt from XX/XX/XXXX with them at that very moment. The debt they claim I owe is {$10000.00} ( and he verbally stated on the phone that the original debt was {$2700.00} ). When I asked for additional information to verify if this is a legitimate debt, he commented that I 'm disputing this because I do not want to pay. He added that there was a payment towards this old Discover account back in XX/XX/XXXX, and that after that I failed to provide payment. But again, he could not provide any documentation regarding such payment. I informed him that we are talking about a debt from 17 years ago, and I need to research. In addition, I need to check my credit report. I told him that I will need to check this first before answering to them. He stated that this debt is no longer on my credit report. He provided only a statement via email, stating I owe the {$10000.00}. No other documentation was provided where I can see if indeed this is my debt. He kept asking if I would to offer a certain payment amount at that very moment, and did not listen to my plea for more information. I had to explain to him that I will need to consult with my attorney on this. I asked for his ( XXXX XXXX ) direct line ... it is ( XXXX ) XXXX. -- -- -Attached is the email I received- I excluded the SS # and the account number -- -- -- -- NOTICE OF DEBT ASSIGNMENT XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX SSN # XXXX Re : Balance Due : {$10000.00} Dear XXXX XXXX, XXXX XXXX XXXX has purchased the rights to any and all collection activities from DISCOVER CARD in regards to account number : XXXX Reference is made to a certain debt or obligation due from XXXX XXXX to the above captioned party. On XX/XX/XXXX, all rights to receive future payment have been assigned to XXXX XXXX XXXX XXXX. A copy of the assignment is available and attached. We understand the balance due is : {$10000.00}. Accordingly, we provide you notice of said assignment and notice of debt. Direct all future payments on said account be directed to the undersigned, at the below address. Further, any form of mail in payments should be made payable to the undersigned. It is important that all payments be made as directed to insure credit. You understand this is not a dunning notice. We appreciate your cooperation. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX
12/30/2022 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • NH
  • 030XX
Web
My mother set up a Discover Bank account to save money for my daughter. When my mother passed we transferred that account to me to manage. Before the pandemic I had an automatic transfer setup to deposit money on a monthly basis to keep it growing. When the pandemic hit, we stopped depositing money, and only checked the account around tax time to see how much interest was added. I am filling out some paperwork today and needed to check on the savings total, but was locked out of my online account. After calling Discover and regaining access to my account, I scrolled down through the transactions and saw that there were XXXX fraudulent transfers out of my account. All were transferred out using XXXX. XX/XX/XXXX - {$600.00} to XXXX XXXX XX/XX/XXXX - {$580.00} to XXXX XXXX XX/XX/XXXX - {$600.00} to XXXX XXXX XX/XX/XXXX - {$600.00} to XXXX XXXX XX/XX/XXXX - {$600.00} to XXXX XXXX XX/XX/XXXX - {$600.00} to XXXX XXXX I also noticed that my email address was changed to XXXX At this point I called DiscoverBank.com and reported the fraud on XXXX, XX/XX/XXXX. But because the fraudulent transactions occurred more than 120 days ago, they could not do anything to reimburse me. They suggested I contact XXXX, so I did ( XXXX ), and was told that it wasn't their problem, that it had to do with Discover 's policies. So I called Discover back and they confirmed that because it had occurred more than 120 days ago, they could do nothing to reimburse me. I asked how someone was able to change my email address without anything alerting me and they said that " our system clearly noted something had happened because it stopped any future transfers of funds beyond the XX/XX/XXXX transaction, and suspended online access to your account. '' I was not notified by phone or email or mail that access to my account had been suspended. If I hadn't been doing paperwork today and needed to check the balance, I would not have noticed until tax time. There is no recourse for me to get any of this money back. Money that my retired parents ( XXXX passed 7 years ago ) helped build up over 10 years. My XXXX researched XXXX companies before landing on Discover to create this savings account. She put her faith in them to help us build a nest egg for our daughter. And because I wasn't checking the account every month ( why would I since nothing was going in, I ASSUMED nothing was going out ), and because of some random number of days they have assigned to their policy... it's not their problem. Shame on me for being a working class Mom with more than enough stuff on her plate to pay attention to than to keep an eye out for someone sucking our daughter 's savings dry. Discover should be ashamed of themselves. I made a formal complaint, but expect to hear nothing back. I have closed our account.
11/24/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • AR
  • 722XX
Web Servicemember
So I changed from XXXX XXXX XXXX due to their customer service being XXXX and every other bank I dealt with having great customer service I went to my local credit union and opened two accounts with a check I received from a law suit settlement this is where things went wrong I did n't realize it at the time but because of the amount of the check the banks back office decided to close my accounts in the mean time I had logged into discover and made two payments in the amount of XXXX so XXXX ( 2 ) for a total of XXXX to my account the first one got returned and I panicked I called XXXX ( the credit union ) a rep named XXXX told me it was because I used the money market account ending in XXXX and that I could not use my money market account for ACH withdrawals during the first X amount of days which was okay with me so I went back on to discover and I scheduled the full XXXX to come out of the checking account ending it XXXX because for whatever reason XXXX could n't see that my account was being closed by the back office team at this time and I scheduled my regular XXXX payment that was due from my XXXX XXXX account two weeks go by, I receive a certified letter with the check enclosed informing me my accounts are being closed and they do not wish to do business with me so I rush to XXXX deposit the check and talk to a manager they ca n't do anything for me about the " hold '' on a check for this amount so I call discover and the rep tells me as long as I pay the full XXXX as soon as it clears and make good on the payment everything will be fine. So I do exactly that. Not even a week after I have made good on the errors caused by my account being closed by the credit union discover closes my account and tells me there is n't anything they can do unless XXXX XXXX will admit it is their mistake the problem is XXXX does n't see it as a mistake they blatantly have told me they do n't wish to help me with this issue and have told the one manager who was willing to help me not to assist me any further and gone as far as denying he works there when they called his branch. The point is yes the payment may have been returned due to the account being closed but as soon as I got the check cleared into another bank I gave them the exact same amount of money and still made my regular payment on top of that its not like I was trying to run any type of scam on them. My mom also believes her account with them may have been closed for this which would n't make sense considering she 's had it for years and pays her bills better than I do. Screenshot shows recent payments you can see the two XXXX payments that get returned the XXXX from XXXX where I thought it was due to XXXX being money market then me fixing it from XXXX on XXXX and you can see that one was NOT returned.
10/16/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • CA
  • 90047
Web
Letter to Discover Card Customer Service : Discover Financial Services XXXX XXXX XXXX XXXX XXXX Il XXXX Subject : Account Reinstatement Inquiry for Discover Card Dear Discover Card Customer Service, I am writing to express my deep concern and frustration regarding the suspension of my Discover Card account. All my accounts were current and in good standing, and I have not received any valid explanation for this suspension. I want to emphasize that withholding my access to my securities constitutes security fraud. As a consumer, I have the right to credit, and this action is a violation of the Consumer Credit Act and the Equal Credit Opportunity Act. Regardless of the reason for revoking my credit line, this decision has had a significantly negative impact on my credit score. I kindly request an immediate investigation into this matter and urge you to retract this decision promptly. I expect a thorough explanation for this action, and I anticipate a resolution to this issue without further delay. Sincerely, Consumer Credit Act : The Consumer Credit Protection Act ( CCPA ) is a federal law that encompasses several statutes, including the Truth in Lending Act ( TILA ), the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Debt Collection Practices Act ( FDCPA ). These laws protect consumers in various ways, such as ensuring accurate credit reporting, promoting fair lending practices, and regulating debt collection activities. Equal Credit Opportunity Act : The Equal Credit Opportunity Act ( ECOA ) is a part of the Consumer Credit Protection Act. It prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ), or because the applicant receives income from any public assistance program. I went through a lengthy process of verifying my income providing bank statements etc. which was ultimately denied because I wrote the starting balance incorrectly, instead of clarifying this information my account was closed without notice and refusal to reopen. I have called in an attempt to resolve this matter and was denied by a XXXX or XXXX who submitted a complaint on my behalf as Manager was not taking phones calls. Violations of these laws can result in civil penalties and fines imposed by regulatory agencies, and individuals who believe their rights under these laws have been violated can file complaints or lawsuits seeking damages. It's important to consult legal counsel or the appropriate regulatory authority for specific and up-to-date information regarding these laws. Warm regards, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Ca XXXX cc : XXXX XXXX, XXXX.
05/03/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 94102
Web Older American
I am the victim of very obvious, and equally clearly reprehensible and corrupt, flagrant consumer fraud perpetrated by Discover Card ( Discover ). Basically, Discover has condoned and enabled blatant web based fraudsters to significantly overbill me for a XXXX, XXXX XXXX XXXX, NV hotel stay ( dishonestly billed at {$72.00} above the actual hotel charges and fees totaling {$220.00} ). Much more egregiously, the XXXX XXXX XXXX XXXXXXXX in Discovers so-called Billing Disputes or Claims and/or Resolutions Department ( depending on what different Discover customer service agents called it ) pretended to investigate this matter. Then, after I provided Discover with very clear and indisputable evidence that the Internet scammers ( who also go by differing names, including XXXX and XXXX before morphing into XXXX perhaps to facilitate their various Internet scams ) did not pay one dime to my hotel, the XXXX XXXX there still want me to pay this entirely bogus charge. It is quite possible that the web con artists bribed someone at Discover to receive such a wildly unconscionable result out of those underhanded phonies. Otherwise, the vile Discover XXXX believe it is far easier for them to cheat an honest customer on a one-time fraudulent charge, and placate the obvious web scammers, with whom Discover will no doubt be doing plenty of further business in the future ( legitimately or not ). Those two alternatives ( which are not at all mutually exclusive ) are the only ones that make a bit of sense to any sane, rational and fair individuals. I figure your offices handle such matters, but am not entirely certain. I am very eager to pursue any and all applicable criminal charges for this indubitably illicit activity, including collecting any penalty or other fee levied on such incredibly crooked operators. I would not know if the sum involved here ( {$290.00} ) qualifies for felony grand theft or is deemed to be a misdemeanor level amount. I will reiterate that I shall gladly forward to you ( or any other relevant offices ) my easily grasped and unquestionable evidence ( for anyone who is not a XXXX XXXX ) proving beyond any possibly conceivable doubt I am entirely correct in this matter. That proof includes two very detailed and unambiguous letters sent to Discover ( last XXXX and last month ), along with a copy of my XXXX XXXX billing statement from my stay there last XXXX. That latter document expressly shows I had to pay my entire {$220.00} hotel bill when I checked in there on XX/XX/2022 ( which was done entirely in cash, as also clearly noted here ), because the web frauds never forwarded a cent to that establishment. I am not attaching these documents now because I am not sure if they need to be submitted to your offices or elsewhere specifically.
11/02/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • IL
  • 60137
Web
On XX/XX/2020 I applied online for a Discover Card. I was immediately approved for a $ XXXX limit and received a message that my card would be mailed shortly. I received the card and called the number on the back to activate the card. The customer service rep came on the line and stated that they would not activate the account until I went to a notary public and have them verify my identity. I asked what was going on since the account had already been approved and I had received the card. The rep stated that they could not identify a phone number on my records. I explained that I had recently changed my cellphone number and I gave her the number that I thought they were questioning and she verified that was the number BUT still insisted that they would need to send me a form to have a notary public verify my identity. I explained that I was not doing that because they should have never pulled my credit report, opened the account, and mailed me a card if they had problems with the phone number. After going around in circles with her for 30 minutes or more, even informing her of a prior account I had with them, she still refused to activate the account. If I can't use the card, then that is Discover, closing my account. I made it very clear to the rep that I did not want this to negatively effect my credit. Also, mind you, this took place when our state and most of the country was in lockdown due to the pandemic. Bank lobbies were closed. How was I to access a notary public BUT, why did they pull my credit and open the account and send me a card in the first place? The account was closed and then they sent a bogus email, stating that at my request, the account was closed. It was never opened, if they would not activate the card. I contacted them in XXXX and asked that they remove their credit pull from my credit report because it caused a 25 point drop in my score. The customer service reps said they referred my inquiry to the credit management dept and I would be contacted in 30 days with a decision. In 30 days, I was sent a blank form for me to explain my complaint. On XX/XX/XXXX a letter was mailed from Discover stating they would not remove the credit pull because they did open an account for me. Again, how is an account opened when you want activate the card so that it can be used? Discover is conducting themselves in a very poor manner regarding this situation. They refused to activate the card, thereby prohibiting my use of the credit line and now they refuse to remove the inquiry from my credit report. So I the consumer have no credit line with Discover and a 25 point ding to my credit score. I've worked very hard to maintain a very good ( not good ) credit score and for them to misuse my credit information the way that they have is unacceptable.
08/05/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60586
Web
XX/XX/XXXX XXXX XXXX Account ending in XXXX Re : Your letter Fraudulent charges were made on my account around XXXX of XXXX and some before that with one in XXXX. This was a long list and a high balance of fraudulent charges. It was quite concerning but when I first contacted Discover, they said not to worry about it, they would take care of it. Almost a year later, they have not. The list includes individual charges from online and local merchants as well as balance transfers. I have snail mailed you, as of XX/XX/XXXX, documents proving that your balance for this account is incorrect Because Discover failed to investigate the charges, I took it upon my hands as a researcher and it took me weeks but I was able to obtain written documents and verbal statements from all involved parties confirming the fraud on this account. Those documents were mailed to Discover weeks ago and they did confirm they were received but refused to reopen the case and simply said they would contact the credit agencies that I disputed their findings. This is unacceptable! Discover has not handled my disputes or fraud cases professionally and thus the balance remains off in your favor. Research on Discover, in general, shows that they have a history of doing this where clients get frustrated and give up. I have asked them on multiple occasions to remove those charges that are not mine, immediately. Please note that I have contacted all of the companies on the list that they denied were fraud and all of them confirmed it was fraud. So, Discover was not honest. I have noted this is the type of treatment they provided me not only in my credit card account but also in my bank account that I closed last year due to the same issues. My proof shows you did not investigate my disputes and fraud claims, seriously. I have also spoken to a XXXX lawyer who is providing advice. I am on full XXXX and am living on my XXXX of {$1000.00} per month. The way they are treating me is discrimination against the XXXX on top of that they are causing me immense pain and suffering due to the stress from worrying about this. I will not be paying Discover anything until all fraudulent charges and legitimate disputes are removed. I am happy to document what I found but there are about 100 pages that I had to print out and mail to Discover. I am also happy to document my condition with my physician if that would help. I not only want to help with discover but I want to make sure this doesnt happen to other innocent people in the future. When your card is used fraudulently, it is very stressful and your credit card company is supposed to be there for you to support all of the false charges. This is their job. Discover failed, miserably. Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I L XXXX
08/04/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 33613
Web
XXXX XXXX, the CEO of Discover directly discriminated against me for usage in good faith and enforcement of my rights by closing my accounts after a failed billing error dispute in which XXXX XXXX XXXX, did not proceed with a proper investigation, after questioning the accounting information and the interest that was accumilated during my accounts in good standing, after his facility losing several of my payment instruments, after requesting the security information and bond serial numbers, after requesting my portion of the interest XXXX XXXX XXXX, collected by selling my information to third parties and lending out my illegally and corceced finance charge I was led to believe I had to make in order to obtain credit, my accounts were closed and my rights to credit violated, my payments blocked and lost. Many disclosures were not provided such as the form to right to reccession, and many others. XXXX XXXX XXXX refuses to remove inaccurate reportings on my consumer report which is now considered libel and slander thus he directly has defamed my character and consumer profile. XXXX XXXX XXXX, has caused me direct harm and injury and that to my family as well, such as mental anguish, XXXX, defamation. emotional distress, financial harm, etc. In the CFPB publishing credit reporting is VOLUNTARY under chap 3.1.1 and XXXX XXXX., outright refused me my right to this voulntary system. I was unaware of many things such as the rates for cash advance at a store counter, XXXX, and the atm which are all very different. I have revoked the right for Discover to furnish anything on my consumer reports and have requested the tradelines removed over three times, with each tine ending in denial and violation of my rights. I have requested the 1099C since a charge off by the IRS definiton is actually INCOME which is 100 % ILLEGAL and unlawful to report on a consumer report again with harsh denial. I have been notified this company has been submitting 1099 A, B, and C 's behind my back without proper disclosures to me and on my behalf without ackowledgement using electronic signatures in lieu of my actual signatures thus committing fraud however although they dio not deny it and some have admitted it then blocked my access to my account, they refuse to allow me to review them. I have sent them UCC 9-210 request with definitions and instead of showing me the books and numbers to see how much money they have made off me they send me account summaries of my spending. I am sadden, embarressed and fustrated. I only want the truth and to stop being taken advtange of. I am the orginal creditor since my signature created the credit out of thin air and they have my social security card and number of it which is the orginal credit card according to federal laws 15 usc 1602 et seq.
11/19/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 44116
Web
I contacted Discover in mid XXXX to cancel my credit card. They confirmed there was {$0.00} balance and cancelled the card easily. 2 months later I get an email from credit karma telling me that an account I have is delinquent. I have an XXXX credit score so Im shocked. I realize its discover. I call them immediately and make the payment. I assume they will fix this issue because I had cancelled the card and figure its some type of error on their end. Total charge was {$26.00}. I called Discover today to get this delinquent reporting removed from my account and here is what they tell me : 1 ) when I called there was no balance and they agreed thats what the agent told me. 2 ) supposedly the very next day, they realize oh wait there is a balance and also my account is linked to an old bank account that I had closed since I hadnt used this card in years. 3 ) Discover NEVER CALLED ME AGAIN to tell me that I had a delinquent account. Zero. Never ever called. The lady on the phone said thats because I enrolled in e-statements. I explained to her that I didnt look at any e-statements because I had closed the account and been told there was no balance. So why would I login and look and an e statement?! 4 ) discover never texted me to let me know I was delinquent 5 ) discover claims they sent me a letter in the mail but I never received this letter. I dont think they actually sent it because my account was closed and they had some error in their side. 6 ) discover will not correct the reporting to the credit bureau for a {$26.00} delinquent balance which they never told me about. 7 ) I as the consumer now have my credit score dropped by XXXX points to XXXX because I cancelled a card that I wasnt using and then mysteriously the very next day there was a balance. 8 ) why wouldnt discover call or text me to let me know? 9 ) why wouldnt I get multiple letters telling me I would be reported delinquent? 10 ) there is a very clear break down of diligent communication to customers and it seems borderline negligent. I would suggest investigating Discover communication practices to consumers after accounts have been cancelled. I suspect I am not the only person where this is an issue. 11 ) I would like Discover to report my {$26.00} delinquent payment as current due to having cancelled this card with a {$0.00} balance and never being told I was delinquent. Again the only reason I found out is because credit karma emailed me and told me. I never got an email, text, or phone call about a delinquent account. Supposedly discover sent a letter but I never got that either. Very possible we threw it away because discover mails us like XXXX per month for other nonsense. Very very frustrating that years of hard work on credit can be blown by a stupid error like this.
11/24/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48322
Web Older American
Discover continues to violate the FCRA, I am using this platform to both file additional disputes against Discover card and documentation for litigation which seems to be a certainty. On XX/XX/XXXX, I wrote a letter informing Discover Card that all charges for an account in my name ending in XXXX was the result of IDENTITY theft. I followed the steps provided by the FTC website and provided all identifying information. I also requested all communications to be in writing via my email address, USPS or XXXX XXXX. to insure accuracy and ability to document all communications. In defiance of Congress and well established law, Discover willfully rejected my claim without any sort of investigation. On XX/XX/XXXX. After 6 days past and Discover continued to call 2-3 times every single day and the fact this tradeline had not been deleted or blocked from my credit report as required by the FCRA, I wrote Discover again, this time using the forms provided by the FTC website and providing all the necessary documents including my Identity Theft report, the FTC affidavit, copy of an AFFIDAVIT OF IDENTITY. I was specific and polite. In my CFPB complaint, I asked Discover to CEASE and DESIST all phone calls. On XX/XX/XXXX I wrote XXXX , XXXX and XXXX informing them the Discover Card ending in XXXX was the result of Identity theft and requested for the entire tradeline be deleted from my credit reports as required by the FCRA. I sent my written notice, claim and affidavit by CERTIFIED mail to XXXX, XXXX and XXXX. The three credit bureaus mentioned forwarded the request to Discover on XX/XX/XXXX. Astonishingly Discover again denied my direct claim and denied the claim from XXXX, XXXX and XXXX. Without a reasonable investigation. Unless of course Discover claims they conducted a reasonable and thorough investigation in 1 day. Discover continued to call me 2-3x every single day. According to FCRA 15 U.S.C. 1681-1681y, specifically 15 U.S.C. 1681s-2 After receiving a dispute Discover MUST conduct a reasonable investigation, if the consumer is not satisfied with the resolution, upon request Discover MUSt provide every detail of the investigation to the consumer. On XX/XX/XXXX I filed another dispute with the credit bureaus, by certified mail. XXXX, XXXX and XXXX all received my dispute on XX/XX/XXXX and XX/XX/XXXX. One day later Discover denied my request for a third time, without any proof of an investigation. On XX/XX/XXXX I filed a complaint with the CFPB claiming Discover is willfully refusing to conduct a reasonable investigation, and refuses to provide me with the UNREDACTED file of any relevant information that may have lead to their UNINVESTIGATED DECISION. Again a requested Discover to stop calling me. The last call I received was on XX/XX/XXXX
02/18/2021 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 10462
Web Older American
I needed money for myself and my family. Old people and sick people are inclined to believe that there are also people in our society that are ready to help. And very soon, in XX/XX/XXXX, a person who was taking care of the less fortunate, appeared and offered me financial help - a big winning check from XXXX XXXX XXXX that could solve my problems. But there was a catch : I have to pay fees to get the check delivered. The check was going to be delivered at the beginning of XXXX, then, the end of XXXX, end of XXXX and finally it was never delivered. However, the requirement for the money I had to provide never ended. First, this individual used up the money in my Bank account, when it finished, I had to take a {$25000.00} loan from XXXX and send it to him. Because the money I provided was not enough, he took all my credit cards and charged them to the top to make " more money ''. I insisted that he had to pay his debt and return immediately the cards but he didn't return them, nor he paid what he had bought, as he promised. The only thing he did was to " open an account in my name in XXXX XXXX XXXX '' ( Routing number XXXX, Account number : XXXX, XXXX, Iowa, XXXX ) with {$40000.00}, so that I can start paying the credit card debts ''. I used efficiently the money to pay partially the credit cards. However, the same day, on XX/XX/XXXX, the checks were returned, because the bank declined the transactions. When the credit cards were blocked by the bank, he started squeezing all my savings and XXXX XXXX accounts until they drained. To all my complaints, the answer was that if I did not agree, he was going to donate the winning check to charity. This check is still in the air. He was using any mean tactic to take more and more money from me. Initially I trusted him. At the beginning of XXXX, XXXX, XXXX he or his team purchased for {$12000.00} in the country XXXX, with foreign currency, home improvement stuff ( attachment 1 ). On the next statement all the purchases were for using of restaurants, XXXX XXXX attachment 2 ), nothing was paid. The next statement XXXX shows my unsuccessful attempt to pay the balance with the false account that the scammer has created and its almost immediate cancellation. However, the purchases mainly of gasoline continued. The scammer did a small payment of {$310.00}, so that he could continue to buy more gasoline and go to more restaurants. At the end of XXXX, the balance reached {$16000.00} and continues to go up because of the fees. The fraud department of Discover declared that I had authorized the charges and wants me to pay the balance. As I have already explained : 1 ) I did not authorize the scammer to buy materials etc., stuff that I have no idea about ; 2 ) I was completely robbed and can not pay anything
07/27/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 32826
Web Older American, Servicemember
Failure of Discover to investigate chargeback dispute in good faith On XX/XX/XXXX, I booked a trip to celebrate my 50th wedding anniversary with XXXX XXXX XXXX ( XXXX ) ( Reservation Number : XXXX ). I have uploaded the Invoice from XXXX. On XX/XX/XXXX, I discovered, while visiting the XXXX web site, that XXXX had, without my knowledge or consent or informing me in anyway, rebooked our trip for XXXX. Since XXXX was NOT providing the travel services I purchased, in accordance my contract with XXXX ( copy uploaded ) and with the Massachusetts Law ( 940 CMR 15.06 Sellers of Travel Services Acting as Tour Operators - copy uploaded ) I informed XXXX on XX/XX/XXXX that I rejected the rebooking and required a full refund for the canceled trip. I filed a dispute with Discover ( Dispute # XXXX ) for the {$15000.00} charge to my account ( Discover : XXXX ). The other charges were also disputed and have since been settled with the charges being refunded by XXXX. Discover was provided with all the documentation above ( the contract and the Massachusetts Law and a copy of the XXXX cancellation of our trip ) that demonstrated that we were entitled to a full refund. Discover denied our chargeback and the dispute was closed on XX/XX/XXXX. I have uploaded the closure letter from Discover. I then sent Discover a copy of an e-mail from XXXX, dated XX/XX/XXXX, in which XXXX XXXX acknowledged that we were due a full refund ( copy uploaded ) for our canceled trip and indicated that a refund would be made ONCE THEY WERE NOTIFIED BY DISCOVER THAT THE DISPUTE HAD BEEN CLOSED. Discover then reactivated, on its own authority, the dispute on XX/XX/XXXX and sent an Arbitration Notification to XXXX. ( copy uploaded ). Since this was contrary to the request in the XX/XX/XXXX e-mail from XXXX XXXX that the dispute had to be closed for XXXX to process the refund, I call Discover and requested that they close the dispute and notify OAT so that I could receive my refund. Discover closed the dispute but FAILED TO NOTIFY XXXX AND HAS CONTINUE TO REFUSE MY REQUEST TO NOTIFY XXXX OF THE CLOSURE. I have uploaded an e-mail from XXXX, dated XX/XX/XXXX, in which XXXX XXXX indicates that XXXX has NOT been notified of the closure of the dispute and has therefore NOT process my refund. Discover has acted in BAD FAITH by not finding in my favor despite the documentation provided. I have also uploaded a chat segment with Discover dated XX/XX/XXXX that shows that Discover was notified by XXXX that XXXX accepted financial liability. Discover failed to post a refund for {$15000.00} to my account despite knowing that my dispute was valid and has obstructed my attempts to achieve a resolution with XXXX by refusing to notify XXXX that the dispute has been closed.
05/23/2017 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IN
  • 46226
Web
Discover violated their arbitration clause. Discover put an arbitration clause in their contract that they did n't honor and then tries to continue the lawsuit against me after the arbitration was dismissed by XXXX . On XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX on behalf of Discover Bank filed a claim in Small Claims Court against me for approximately {$3500.00}. XXXX XXXX XXXX hired local attorneys XXXX and XXXX to represent Discover Bank. XX/XX/XXXX , I filed a Motion to compel Arbitration. XX/XX/XXXX , t he Court Ruled. Ru ling states, Arbitration filed with XXXX ( # XXXX ) ; Matter continued indefinitely in order for Arbitration process to complete. Documentation attached. XX/XX/XXXX , Counsel for Discover fi les a request for another hearing on the Motion to Compel Arbitration. Arbitration was ruled and agreed on XX/XX/XXXX . On or about XX/XX/XXXX , I received a letter from XXXX XXXX XXXX c/o Discover st ating their client may be willing to discuss settling the matter at a reduced amount. They states arbitration is " very expensive. '' XX/XX/XXXX , XXXX closed the case. Case terminated because Discover failed to pay and participate in Arbitration. XX/XX/XXXX , a Motion for Joint Stipulation for Substitution of Counsel wa s filed. XXXX XXXX XXXX was no longer representing Discover and XXXX XXXX XXXX . Year Later, XX/XX/XXXX , XXXX XXXX XXXX files a motion to return case to active docket. XXXX XXXX XXXX KNOWINGLY FILES A FALSE STATEMENT WITH THE COURT. XXXX states, As of XX/XX/XXXX , Defendant failed to pay required Arbitration fees, and the case was terminated by the Arbitration Forum ( XXXX ). THIS IS COMPLETELY FALSE, PLEASE SEE ATTACH DOCUMENTS FROM XXXX . Th e Plaintiff ( Respondent ) who is Discover fai led to pay case management fee. XXXX sent the counsel for Discover several letters requesting payment but they failed to respond. XX/XX/XXXX , Court dismisses case without prejudice. Judge writes the following Plaintiff admits to failing to pay arbitration fee causing closure of arbitration process. Def. requests dismissal for failure on plaintiff 's part. Court grants defendant 's request for dismissal. Parties were ordered to arbitration and that has not occurred by no fault of defendant leaving this open on her credit history is unduly prejudicial. XX/XX/XXXX , XXXX XXXX XXXX c/o Discover file s a motion to vacate dismissal to refile a new arbitration case since the first one cant be re-opened. XXXX XXXX XXXX c/o Discover fail ed to send me a copy of their motion to vacate dismissal, therefore, I was not able to write an opposition to their motion because I was not aware of it.
07/11/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NV
  • 89129
Web
I used my Discover card to purchase a graduation trip for my daughter and myself with a tour company called XXXX XXXX XXXX ; a XXXX XXXX based travel company- Company Number- XXXX ZBN : XXXX, that offered all inclusive, guided tour vacations. I paid for a year for this trip from XX/XX/XXXX until XX/XX/XXXX with 24 payments ( 2 payments of {$120.00} each month charged to my Discover card for my trip fee and my daughter 's trip fee ) over 12 months, for a total of {$3000.00}. After delaying travel and forcing customers to reschedule tours ( while still selling additional tours ), XXXX XXXX XXXX closed its door to future trading and declared insolvency as of XX/XX/XXXX. As such, it has left many people, including myself, out of pocket for payments made for future travel with them in XXXX and XXXX. Some payments were made before XXXX, but due to the pandemic, initially scheduled trips for XXXX and XXXX were pushed back and rescheduled for travel the following years. After the pandemic, the company continued to cancel trips scheduled and move dates right up until XX/XX/XXXX, when they announced they were closing. This company even sent me an invoice for further travel expenses for my XXXX XXXX trip on XX/XX/XXXX. I immediately filed a dispute with Discover after being denied a refund from the travel company. I submitted my documentation which shows that my trip was rescheduled three times, as well as showing that the company refused my refund after having to reschedule the trip the second time. I was denied a refund based on their response that tour guidelines were that there were no refunds... which is ridiculous, as I would have happily taken the trip. I paid those 24 payments in good faith, having no reason to believe the company would cease trading when I made them, and I fully expected to make the trip. If one wanted to be literal about it, I DID meet the return policy criteria and should have been refunded by the company, as I will obviously NOT be able to travel with them, due to XXXX, as they stated. Additionally, the first liquidation report was just released in XX/XX/XXXX, and they state that XXXX XXXX XXXX actually lost millions of it's customers dollars due to trading in cryptocurrency. This is just further proof that this company defrauded customers. I escalated the dispute in XXXX of XXXX, and heard nothing back from the company beyond that my dispute was closed and I would not be refunded. I follow a XXXX group solely for customers defrauded by this company and have been aware that MANY complainants have been refunded by their credit card companies and banks. Discover should also act in good faith and refund my money lost to this company. This complaint is my last option to get my {$3000.00} back. Please help! XXXX XXXX
08/11/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • DE
  • 19709
Web
Im writing to Dispute a Billing Error in the full statement balance of {$8100.00} Reasons as follows : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( XXXX ) transmittal of funds to a creditor in excess of the total balance due on an account, ( XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Im requesting a full refund. The obligation again has already been paid by the United States. Please send check to address on this letter. Sincerely, XXXX
05/19/2016 Yes
  • Credit card
  • Other
  • LA
  • 713XX
Web
I had a secured Discover IT card, and I fell behind with payments due to education expenses. My account was closed and permanently revoked in XXXX, and this was not something I was aware of. I reached out on XXXX XXXX, 2016 by a message, and I asked if I made a full payment would it enable me to have spending privileges again. I was hasty, and I initiated a live chat with an Account Manager. We had an extensive chat, and in the end, I ended up making a payment for the full balance. Well, during this chat, this manager did n't say anything about my account being essentially inactive. I scheduled the payment for XXXX XXXX, 2016. I received a response on XXXX XXXX, 2016 informing me that my account was revoked and closed. I immediately sent a message and asked them to stop the payment having been told of that new information. To this day, I have not received a response to that message. I finally decided XXXX hours had passed, so I reached out to a live agent and asked for the payment to be reversed on XXXX XXXX, 2016. She told me that it would take about 15 business days for it to go thru the proper channels. I waited that much time and a bit over because on XXXX XXXX, 2016, I reached out again and I was informed that due to my payment history a partial or full refund could n't be issued. I did n't let it rest. Since XXXX XXXX, I have been fighting constantly. I reached out to the XXXX, and about an hour ago, I rejected Discover 's decision and issued a rebuttal. Discover has given me the runaround tirelessly for almost three months. I have talked to Account Managers, Supervisors, and this XXXX person who was a representative of the XXXX division. It went from a 15 day refund to talking to the bank wire department to everything in between. I even offered to allow them to a portion to show good faith. They rejected that citing company policy and my payment history. At any rate, this payment was made without having all of the facts. I do n't know if the agent assumed that I knew my account was revoked or what, but all I wanted to do was get back on track. I 'm a college student, and I do n't have a lot of money or a cushion so to speak. {$5500.00} tuition every XXXX weeks and the cost of supplies for school means my money is low. I was trying to do the right thing, but I would have preferred to pay the balance down overtime. I 've been more than patient. I realize my payment history was n't as strong as it could have been but work with me not rail against me and make me pay for a miscommunication. It 's bad enough that I asked 24 hours after the payment was scheduled to be taken for someone to please stop it and no one responded. It was a gross error and a huge mistake. One that I have been fighting hard to amend since XXXX XXXX, 2016.
11/25/2016 Yes
  • Credit card
  • Billing disputes
  • VA
  • 228XX
Web
Discover credit pulled a bait and switch on me as a consumer. I received a balance transfer offer to get 0 % Apr to pay down my balance in full ; giving me until XXXX 2017. They are continuing to charge exorbitant fees, making it difficult for me to pay off the balance. When I wrote to them stating how difficult they have made things for me, they stated, " Paying down the complete statement each month avoids the charges ''. First off, I understand paying down the statement avoids charges. XXXX does not know me. If he did he would understand that the company I used to work for ( XXXX XXXX ) never paid me for the XXXX I turned in -- we 're talking about three years of XXXX. I have filed a complaint with the Dept of Labor about the company, and it has gone nowhere because the USA seems to allow criminals to go free. I am a XXXX XXXX who should have earned a nice living on the project that I was hired to do. Since I have n't been paid, the only source of my pay comes from a small XXXX check. This makes it exceedingly difficult to pay down my debts ... which I want to do!!!! I wrote to Discover Credit : " You deliberately did not answer my question. Your company has violated the agreement of allowing a 0 % Apr until XXXX for me, a XXXX American, to catch up my bills. Your answer was emotionally disconnected, and bourgeoisie, but I suppose that 's how you wish your company to be viewed. No. I do not agree with stealing. I will not allow you to steal from me. I am filing a complaint about your company with the FTC ( CFPB ), and will not be paying on this bill or having anything more to do with your shady, lying, thieving, company! This complaint is being filed because Discover Credit broke the terms of the agreement, and have charged such exorbitant charges on my account, bringing the balance to a high amount. I received the 0 % Apr offer thinking this was a XXXX that could get my debt to credit ratio down. They do this to low income people to steal their hard earned money and make them think they can FINALLY pay off their debts. I am trying very hard to get out of the debt hole that credit fees, and shady, dishonest people/companies have deliberately made for me. It is a financial hardship to go through this. It IS a bait and switch tactic that Discover Credit pulled and it needs to be reported to the CFPB agency. I told Discover that they are thieves and liars and cause unneeded stress in my life with their shenanigans. I will not be paying any more statements until they revert to the 0 % Apr agreement that was sent to me. They also had no business keeping an unlawful XXXX charge ( I sent back the item over a month ago -- I DO N'T have it!!! ). Their company is designed to run people into debt and needs to be audited for fraud.
09/15/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • NJ
  • 088XX
Web
My name is XXXX XXXX and I was a managed user on my father in laws card. Me made me aware that he called in about my identify theft I been fighting and was asking about who would be responsible for the fraudulent debt paid with a XXXX to XXXX XXXX and the answer is XXXX XXXX. With that said he told Discover not to do anything and leave the card alone. However, the agent decided to take it upon themselves to dispute not just XXXX XXXX but all 12 Balance transfers that were done on that card. This caused mass confusion between myself and XXXX XXXX my father-in-law. We called multiple times at first with no responses and no one able to help telling us that they can not on undispute a dispute Which makes absolutely no sense because every card company I know of has done that. This resulted in two of my credit cards shutting down because they thought I did it and that was against their policy XXXX XXXX now has two cards shut down of mine which I was using to run my company and ultimately made me lose a ton of money and hurt my credit to the point where it was impossible to get a new one. Eventually we got in touch with somebody that undisputed the dispute and we got a letter stating that however somewhere along the line it got reversed then undisputed again and reversed then ended up saying that they couldnt determine who we were so we were responsible for the debt which also got reversed and then came the same balance that we had previous even though they took money back from XXXX XXXX XXXX and other institutions and said that they never received it finally they ended up finding it and crediting it back but not giving it back to the company like we told them to because they messed it up so we needed the money to go back to the institution that they originally paid so the cards can get reopened and we can get a letter stating it was a bank error and there was no issue on our side Discover credit card did not do this and still to this day did nothing to help us I and my father-in-law wrote a letter sending to all institutions of the issue that was going on with Discover and that they will be getting their money as soon as we can figure out what was going on. Most institutions listened however there was time frames and discover has missed them by far which is why I have two closed credit cards which ultimately hurt my credit a lot and the inability to run a business because I need to make purchases for every guy I hire equipment wise vehicle wise so on and so forth. With this being said we need this fixed asap as I can not build my company and provide for my family. And its very frustrating and I can not continue to fight banks and credit card Companies anymore as Ive been fighting them for over a year because of identity theft.
10/04/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IN
  • 46360
Web
Dear CFPB, I have a reasonable suspicion there is serious corruption occurring at Discover Bank with XXXX XXXX or airlines in general that should be investigated for harming consumers. On XX/XX/XXXX my significant other and I arrived well in advance of our flight XXXX XXXX at XXXX XXXX XXXX in XXXX, XXXX to XXXX, XXXX. We were allowed to check our luggage in, received our boarding passes and awaited at the gate. We were involuntarily denied boarding for unknown reasons without receiving compensation nor an explanation. A formal complaint has been filed with XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX and I have received no response ( except for automatic ). I have also tried contacting XXXX XXXX via telephone numerous times to no avail. As a result of not being able to take the flight for unknown reasons and as I did not receive the services paid for, initiated a dispute for this charge in the amount of USD XXXX with Discover Bank. During this dispute, XXXX XXXX claimed we were 'no shows '. This is a flagrant lie to a U.S. federally insured financial institution. Discover Bank informed me the charge was valid as we were 'no shows ' and they could not determine who was 'telling the truth '. For this dispute, I uploaded tangible evidence we were at the airport ( physical boarding passes received upon checking-in with approval to board, physical passport stamps at customs, a taxi receipt showing the drop off at the airport with the time indicated well in advance of our flight, the physical sticker placed on a luggage to track it in case it is lost as our luggage was boarded to the plane ) etc. I still can not comprehend why Discover Bank 1. ) they would knowingly allow a XXXX XXXX to provide false statements and 2. ) not formally review the evidence provided and act in the best interest of the consumer. They stated an account manager would call me and this never happened. As I never received a call, I followed up to Discover Bank requesting to speak with an account manager. After 30 minutes, the account manager was finally connected and informed me that if a merchant lies, Discover can not do anything nor do they have a duty to do so. I found this astonishing that merchants can lie to U.S. federally insured financial institutions without any repercussions, as if I, a consumer, were to lie to a U.S. financial services company would face very serious fines and consequences. I have also filed a complaint today, XX/XX/XXXX with the U.S. Department of Transportation and the FDIC. Due to such odd behavior at Discover Bank, there is a clear indication that Discover Bank should be investigated and I am sure that I am not the only consumer impacted. CFPB should be aware of this ongoing activity at Discover Bank and investigate.
12/02/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MI
  • 48239
Web
Hello, I have automatic payments set up on my Discover card for the minimum monthly payment. I know when I set up the payments, I was advised that if I make the payment prior to the payment coming out automatically then it would not go through. I like to make my payments in advance if I can so that it's withdrawn sooner. However, I was not sure of how far in advance the payment needed to be made so that a duplicate payment is not withdrawn, so I contacted them by phone to confirm. Long story short, after speaking to two representatives to confirm it would not be withdrawn, both payments were withdrawn from my account and caused my account to go into the negative. I called for a resolution and the only resolution I was provided with was we can refund the payment once it's posted. I asked if my credit card account could be credited with any fees I receive from my financial institution and my question was not addressed. I asked if the payment can be pushed to the following due date and the question was not addressed. I asked if they could provide me the funds to cover my fees and I was told the only thing they can offer is to refund the payment. This was a BIG error on their part, and I do not feel they attempted to assist me with all possible options. They were able to offer and credit my account {$40.00} to set up the auto pay but they could not push out my payment and offer a credit in the amount of my fees from my financial institution. Below are the dates and summary of the events : XX/XX/21 approx. XXXX : Spoke with a representative to confirm my payment would not be withdrawn twice. The representative stated that if I made a payment that day I would be in the clear and an additional payment would not be withdrawn. As a matter of fact, she offered to take the payment, so I made the payment by phone with her. XX/XX/21 : I checked to see if the payment was withdrawn. It was not so I checked the Discover account online. I saw the payment pending along with my automatic payment, so I contacted Discover again via chat. XX/XX/21 @ XXXX : Spoke with representative via chat and he also confirmed my payment would only go through once. XX/XX/21 @ XXXX : I reached out again to advise the payment is being withdrawn twice and I need to stop it while it was pending on my account. She advised me that it could not be stopped, and she could only issue a refund once it's posted which could take up to 7 days. This last chat went on for about an hour but to sum it up, even though it was an error on their part, they were only able to provide me with the option of a refund after, the damage was done, and the payment was withdrawn twice. Even after I provided and asked for other options, not to mention calling beforehand to prevent this.
01/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 34219
Web
I have already filed one complaint against Discover Student Loans, but this warrants another one. First I have tried to work with Discover Student Loans since XX/XX/2018. I had send multiple payments to them for the two student loans that we had with them and the money was not credited. It took until XX/XX/2018 to locate the money that had the wrong account number on. In XX/XX/XXXX they had been provided with documentation from my bank of proof of payment and yet, they were not able to locate it until I filed my first complaint here. They then located the money and place it on the only open account that we had with them that was being refinanced. Only part of the payments sent were for the one remaining open account, the other money that had been sent was for the already closed account. I had sent numerous emails, faxes and made way to many phone calls regarding this matter. I had specifically stated that the money be returned to me once recovered as the loans were paid off. In XX/XX/XXXX I received a letter of proof of payment and payoff of Loan XXXX. In XX/XX/XXXX I received a proof of payment and payoff letter for Loan XXXX. NFCU refinanced loan XXXX in XX/XX/XXXX with the payoff amount provided by Discover Student Loans. Today I received an email stating that I owe approximately XXXX on a loan that I have received a payoff notice for. They obviously have severe issues with their accounting department on how and when payments are made. I can't have documentation that states my balance is XXXX and have payoff letters saying Congratulations your loan is paid and then owe money. On top of all of this, they have posted incorrectly on my son and my credit report, which I have tried to get repaired as well. I have a 30,60 and 90 day late listed on my credit history, when in fact we have paid on time. I have sent supporting documentation from our statements and statements provided by Discover Student loans that we have paid on time. I have never received a 30, 60 or 90 day late notice from Discover Student Loans and have never received a late fee. I have contacted all three credit bureaus back in XX/XX/2018 due to this error, because it messed up us trying to get the final loan refinance. I have also submitted documentation to Discover to fix this error, but that hasn't been done either. I don't expect them to fix anything since they can't even maintain proper accounting for their loans. I want my son 's and my credit history fixed. I have no late credit on anything for the past 30 years, yet all of a sudden it's with XXXX who can't get their act together. Something should be done about the time it takes them to handle problems with their loans that they have created and how they report to the credit bureaus wrong information.
02/22/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NY
  • 10033
Web
Based on customer conversations with various members of the Discover credit card customer services team : XX/XX/XXXX Discover payment made, but improperly labeled and credited to wrong accounts XX/XX/XXXX Discover credit card company receives payment. XX/XX/XXXX Discover credit card company contacted by customer regarding payment and claims no record of payment ; payment bank contacted by customer about payment and confirms payment has cleared. XX/XX/XXXX Discover credit card company contacted by customer regarding payment and claims no record of payment ; customer told it could take up to 10 business days to post to account once proof of payment received ; customer is not given a factually confirmable reason for such a potential delay ; paying bank contacted about payment, payment bank sends by fax proof of payment to Discover credit card company. XX/XX/XXXX Discover credit card company locates payment internally. XX/XX/XXXX Discover credit card company contacts customer via 2 emails notifying customer missing payment has been located and notifying customer payment was initially sent to an invalid account. XX/XX/XXXX Discover credit card company contacted by customer inquiring why payment has not posted ; Discover credit card company responds, " the payment is being processed. '' XX/XX/XXXX Discover credit card company internally manually " keys in the payment '' and internal approvals to post the payment are given at an unidentified time ; customer receives 2 emails identical to the emails received on XX/XX/XXXX from Discover credit card company. XX/XX/XXXX Customer contacts Discover credit card company to inquire why payment has not posted and speaks to two separate individuals, including the billing/payment research team ; customer informed payment being processed and should post by Friday XX/XX/XXXX. XX/XX/XXXX Customer contacts Discover credit card company to inquire on payment status, since customer is aware the payment will not post on Friday if it is not keyed up to post on Thursday. Customer speaks to five different individuals, including a payment research supervisor in DE, and is told multiple way that the payment is being processed. Customer express disbelief of the " process. '' XX/XX/XXXX Customer contacts Discover credit card company to inquire on payment status, since customer is aware the payment has not post on Friday. Customer told by four different employees payment " is being processed. '' Customer silently prays to keep calm. Fourth employee walks customer through the " process '' trying to keep story straight and explain the time lags. Fourth employee assures customer payment will posted by Wednesday, XX/XX/XXXX, but possibly Monday, XX/XX/XXXX. Customer files complaint with CFPB.
07/24/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • PA
  • 184XX
Web
Contacted Discover using the messaging feature in the mobile app because I was unable to add my credit card to XXXX XXXX. I would confirm the card number, expiration date, and security code. That would process successfully and I would land on the XXXX XXXX XXXX page, agree to the Terms, and be bounced back to the main screen with my name and card number. The issued message I received said to contact the Card Issuer because my request was being denied. Discover was offering a promotion of 5 % cash back for purchases made with a digital wallet of up to {$75.00} back from XXXX to XXXX of XXXX and is currently offering the same promotion for XXXX to XXXX of XXXX. XX/XX/XXXX : Dates of contact are unavailable because the mobile app only shows the month and year for a date stamp. I tried scanning the card in XXXX, manually typing the numbers, and adding through the Discover app. Responses were days apart from a representative. Received queue acknowledgment messages for 3 days before an agent was connected. Upon responding to the agent saying I could not connect my card, I was sent back to the automated message system. I received an automated prompt to add my card to XXXX XXXX through the Discover app, which did not work. I then received 8 messages over the course of a few days acknowledging my place in the queue. I was connected to an agent at an inconvenient time when I was not available and did not have my issue resolved. XX/XX/XXXX : Contacted Discover via messaging once again. I was told I needed to call Discover to speak with technical support. XX/XX/XXXX : Called Discover support at XXXX XXXX and was connected to a technical support agent. The agent told me that Discover could not see my requests to add the card to the XXXX. The agent then told me the issue was because I had multiple cards ( sequence ) on my account with the same card number and told me I had to cancel two. I refused, as I use all issued cards. The agent then put me on hold to connect with others regarding this issue. After about 20 minutes, the agent returned and told me that again the problem was having more than one active card on my account and suggested canceling. I explained that I did not want to do that, and said there must be other customers with multiple cards that are having the same issue as me. After being placed on hold again for 10 minutes, the agent returned to tell me that they were opening a ticket and to email a screenshot of the message I am receiving in the XXXX XXXX. This poor customer service from XXXX XXXX and poor reasoning inhibiting participation in rewards ( having multiple cards means I can not use a digital wallet ) is interfering with using my credit card for the purposes it was advertised for ( rewards card ).
07/22/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • PR
  • 00949
Web Older American
This complaint includes a file, which is the exact online chat transcript of my conversation with 2 Discover Card Representatives : first, XXXX, who was clearly showing signs of the usual great Discover Customer Service, but because of the nature of the problem, apparently XXXX had to call a Supervisor named XXXX, and there was where I found the bad customer service which is usually heard from other banks and companies since years ago. Simply, Discover reduced my credit limit from the original {$6000.00}, to {$5000.00}, just with an e-mail letter sent last XX/XX/XXXX, that I was not able to read until today, 10 days later, after my Discover Card was rejected at a local ATM from the recognized Bank called XXXX, here at XXXX XXXX XXXX, in XXXX XXXX XXXX, very close to our home where this shopping mall is located, and this ATM was used without problems before. But, the same Discover Card Company, sent me just 4 weeks before, another e-mail approving half of my original credit line for credit card cash advances, so {$3500.00} was the new credit card cash advance limit, half of the credit line. Both e-mails are included as evidence, the one from XX/XX/XXXX, and the one from XX/XX/XXXX, which I was not able to read on time, and even in that case, that does not change the problem : My credit card with Discover was way within its credit card limit, before this problem which started just on XX/XX/XXXX. I was counting with this card for emergencies, as any of you can read in the online chat transcript document I included, not provided by Discover or by XXXX, but is copy paste I made by my Son before closing the chat, because there was no offer this time for sending on an email the chat transcript, had to do it all by myself. Discover simply reduced my credit line by {$1000.00}, so 10 days was not enough to avoid been unfairly forced by this action to an over the limit balance problem I did not had. It was provoked by Discover by allowing this, and my next payment is about to be made just days from now, next Wednesday XX/XX/XXXX, the XX/XX/XXXX Wednesday of the month, because my income is from Social Security and this was clearly informed to Discover on a previous online chat just days ago. XXXX was completely out of what is expected from Discover, far from their excellent customer service, just saying I should have a good rest, and asking me to ask for an automatic credit line increase as if this was a regular credit line increase, when it is not : my credit line was reduced, and 10 days notice is not enough when you put an account in an over the limit situation the customer did n't had, the way I explained to this bad supervisor called XXXX. Please read the online chat transcript and see the 2 letters included for details.
04/18/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • XXXXX
Web Older American, Servicemember
Plaintiff ; Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, Fl. XXXX Case Number ; XXXX XXXX XXXX ( Filing # XXXX XX/XX/2021 XXXX XXXX ) After documented proof the sole income Social Security XXXX and Veteran Administration 100 % rated service connected XXXX XXXX Veteran Benefits were both Federally and State of Florida protected from collections went vehemently ignored. Discover perpetually advanced collections with terminal disregard for formal procedural law and refuses to respond acknowledgement of any and all defense when every contract application has two ends not only the creditor as they intend to force in litigation in willful and wrongful violation of formal law. When debts are to cater to a given religious theory which deviates from formal law and judiciary caters to any religious movement debts are moot when the debtor is not of that given religious movement. Whereas, it's rules only apply to those of the given religion, no religious tyranny is even conceivable as absolute and final when the action attempts to supersede citizen protection procedural formal law. Discover Credit Card Bank after the better part of five years attempted to force collection with unsurmountable phone calls, reminder and warnings in letters of collection demands with added fees. Then issued a Broward County Florida Civil Small Claims Court procedure menacing and harassing the cardholder without restraint against tax exempt Social Security and XXXX Veteran Benefits with a tyrannical disregard for Federal and States of Florida Consumer Protected from collections funding. While demanding payment willfully superseding formal procedural law. Then in a Final Judgement managed to attach a 20 year demand with warning of added fees, penalties and taxes if not paid in gouging causing health care complications and compound XXXX XXXX XXXX XXXX XXXX XXXX Veteran Administration Mental Health outpatient with disregard for further mental harm they are perpetrating. All previous complaints about Discover at CFPB were closed without Discover directly answering the given complaint as they circumvented reasonable response as if only their side mattered moving against procedural law. When no action was taken for remedy and acknowledge withdrawal of the collection demand to comply with Federal and State of Florida protected from collections income in violation of formal procedural law. I move to have this complaint advanced to Criminal implicating Discover is in direct violation of Florida Statute XXXX ( Prohibited debt collection practices generally ) And Discover is in vehement and willful violation of The Fair Debt Collection Practices Act ( FDCPA ) Consumer Financial Protection Bureau.
08/17/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • XXXXX
Web Older American
I have a credit card with Discover Financial, I XXXX of 2022, I called into to Discover, spoke with one of their Account Representatives to make a payment on my Discover Credit Card. The person processed my payment using my standard payment method to make a {$5.00} payment, and they would applied a credit that I had on my account, {$13.00} to make an {$18.00} payment and payoff the outstanding {$18.00} balance on the account. I was told by the AC that the payment was made and the balance was now {$0.00}. In XXXX I received a notice from XXXX Credit Reporting Services that my Discover Card payment was over 30-day 's past due and as a result my credit score was reduced from XXXX to XXXX. I immediately called Discover to report the error. I spoke with another Account rep who told me that they made an error and that the payment, the credit portion of {$13.00} was never processed and so they reported the account as over 30-day 's past due. I explained that the error was on them and the account should have never been reported as 30-day 's past due. I told them that they needed to contact all three National Credit Reporting Agencies, XXXX, XXXX and XXXX to correct the error. They told me there was nothing they could do. I also told them that I was in the process of refinancing my home and that the error would cause me to lose the low interest rate that I had been approved for and result in me having to pay thousands more in interest cost. They told me there was nothing they could do. I then contacted the Corporate office for Discover. I spoke with an gentleman named XXXX. I explained the situation and the damage their miss reporting had caused me. XXXX agreed to look into the situation, and told me that yes, they had miss reported the payment history. He told me that they would investigate my complaint further and respond with their findings. A month or so later I received a letter from XXXX, The Executive Office of Consumer Advocacy saying that their investigation was complete and that they reported the account in error. It also said that the would send the updated correct payment history to the Three National reporting Agencies. I then explained to his that as a result of their error resulting in a significant drop in my Credit Score that I lost the low interest rate that I was being considered for and had to cancel my application. Interest rates shot up and I lost the opportunity to refinance at a low interest rate costing me thousands in additional interest cost. I'm seeking monetary dames from Discover resulting for this error. They took a very cavalier attitude relative to correcting this error. Over a month went by before they made any effort to correct the error even though I told them what was at stake.
07/04/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33056
Web
The 11 District Circuit Court bankruptcy division is XXXX XXXX XXXX XXXX XXXX XXXX. When you appear to court for mediation you are instructed to sit in the out in the lobby and wait on the attorney. They let the creditors have a field day with the consumers, many who do not speak or understand English. I saw an attorney asking random people to interpret for him. During this mediation no judge or court personal speaks to until after you have been misled or intimated by the creditor 's attorney. I told them that I wanted to go to trail but I was told that I would have to attend another virtual mediation before I can go to trail. I received the court documents in the mail of the court appointment, but not the information for the meeting. I had to research how to get to the Judge XXXX meeting. Thank XXXX I am tech savvy because I had to find the information out for court website and I was in the wrong courtroom for a minute because there are two judges with the same first and last name. Once I was on the right page it told me to wait and someone will be with me in a minute. That never happened so I found the number to the judge ' clerk and she was able to give me the information. I made it to the meeting 5 minute late. They seemed very surprised to see me and I told the mediator that I never received noticed. She than asked me how did I get the information. They court and the creditor both had been informed electronically but they lied and said that my appointment was physically delivered. I have proof that the mediator typed and mailed the later no earlier than XX/XX/XXXX as dated on the letter and sent it regular mail. My court date was for XX/XX/2023. Any competent person would know that it was a possibility that I would not receive notice in time. I also have proof that I did not receive the letter until after the court mediation was scheduled. I feel that this was intentional and needs to be investigated The main reason for my complaint is that the letter stated the it was physical deliver which is not true and the mediator seemed to have made it impossible to make the meeting and during the meeting she seemed to not understand my position and sided with the creditors. I told her that there are payment there that they said I made and I did not make those payments and offered my bank statement as proof. The creditor and the mediator response was why am I worried about someone making a payment for me? I responded that if someone put money in your bank account are you going to worry about who has access? I am submitting this complaint because I know that I am not the only victim of this tactic. I feel sorry for the people who show up without representation and who is poorly informed of the legal system.
04/04/2017 Yes
  • Credit card
  • Payoff process
  • NY
  • 11218
Web
previous Case number : XXXX I would like to re-address this complain because the law firm XXXX has tried the same con again this year after we discussed in details a year ago regarding my monthly payment for XXXX XXXX as according the settlement. When this was first address when they did not want to honor the settlement, then they said they would and tried create a situation where I defaulted on my payments intentionally which is false from the time of the settlement I honor the agreement and made all payments. I received a default letter from the Civil Court of XXXX on Friday XXXX XXXX, 2017 advising I would be in default if a payment was not received in 10 days. This was first and only contact I received from XXXX regarding my payment. I never received a letter stating I need to setup a new payment schedule prior to the letter from the court. I was advised their system can not setup payment for over 12 month no explains was given is this my fault? I wanted to setup monthly payment for the remaining settlement because XXXX have tried in the past to change the rules and the settlement in attempt to used scare tactic against me. This default letter is prime example of the tactic they use to not honor the settlement from the courts. I contact them on XXXX/XXXX/2017 explaining the situation and they did not want to address it, however I agree to setup new payments. When speaking to several of their representative they all did not see the settlement amount XXXX in their system and was not sure why and was also confused. They only see the original amount of the debit from discover. The amount owes as of date from the settlement is XXXX XXXX. On XXXX/XXXX/2017 I paid a payment over the phone electronically for XXXX XXXX confirmation number is XXXX, and setup payments for XXXX for the next 11 months which would finalized the settlement amount. However the representative told me to contact XXXX to check on this because they do not see the settlement amount it the system, but they have statement previously they would honor. I do not trust this company and they have many complaint filed against, and have lied and misinformation me on several occasions not sure why they are able to continue to operation as a legitimate organization. I am contact New York District attorney and filing a complaint with BBB and contact XXXX for misrepresentation and other issues on this matter. I tried my best to work with XXXX in a professional manner and I feel I have not received the same treatment something needs to be done to protect other from this kind of treatment. I am also consulting with New York lawyer to see what or in any thing be done to protect me and family from them I fear there will try and damage my family going forward.
01/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 79720
Web
My name is XXXX XXXX XXXX XXXX Social Security XXXX is XXXX My date of birth is XX/XX/XXXX My son 's name is XXXX XXXX XXXX My son 's Social Security Number is unknown to me My son 's date of birth is XX/XX/XXXX BOTH my son and myself are being incorrectly reported for XXXX in delinquent debt after the lender Discover Student Loans settled the account and agreed it was paid in full with a lump sum payment of XXXX XXXX Our Discover Student Loan account numbers and balances in question, are as follows : XXXX XXXX Account number ending in XXXX, Attorney file ID XXXX, full account balance {$29000.00}, XXXX % agreed lump sum settlement amount {$20000.00} XXXX XXXX Account number ending in XXXX, Attorney file ID XXXX, full account balance {$13000.00}, XXXX XXXX agreed lump sum settlement amount {$9200.00} XXXX XXXX Account number ending in XXXX, Attorney file ID XXXX, full account balance {$5300.00}, XXXX XXXX agreed lump sum settlement amount {$3700.00} Settlement offer letters and acknowledgement of settlement received from Discover 's Attorney are attachments. Description of problem : I am a signatory on student loans for my son. There are XXXX loans. I paid off the balance of all three loans using a negotiated lump sum payment. Discover Student Loans agreed to accept a XXXX XXXX lump sum payment as satisfaction in full of the debt. This agreement was made through the attorney Discover Student Loans asked us to deal with, rather than direct with Discover Student Loans. The attorney that agreed to the lump sum settlement payment is XXXX XXXX XXXX, XXXX. The address of the office servicing this account for XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX MA XXXX. The telephone number for that office is XXXX. XXXX agreed to remove negative credit reports and report the XXXX accounts as paid in full. The settlement payment by me was in the form of XXXX bank checks from XXXX XXXX made to XXXX and XXXX, with the account numbers written on the checks. The checks were mailed in XX/XX/XXXX, and the official settlement date is XX/XX/XXXX when XXXX received and deposited the XXXX checks. On XX/XX/XXXX Discover reported my account as a XXXX balance, delinquent, and a chargeoff, in violation of their agreement with me. We discovered the error in XXXX and contacted both Discover and the Attorney on XX/XX/XXXX. Discover subsequently removed the negative report and simply reported the account as closed and settled, with a XXXX outstanding balance. That correction was confirmed on my next credit report I checked on XX/XX/XXXX. Discover again reported me delinquent, the account as not settled and a chargeoff, which I discovered on XX/XX/XXXX. Once again this violates the agreement Discover made to consider my debt satisfied in full.
10/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60201
Web
On XX/XX/XXXX, I received a text messaging from USPS but it turned out to be a fraud. It said that I have a mail in USPS and they needed to resend the mail. I was waiting for a mail from my company so I didn't specious that was actually a scam. I clicked on the URL in the texting, and entered a USPS-like website to enter my address and credit card information. I didn't know that was a fraud because the web page looked like the same website as the real USPS one. On XX/XX/XXXX, I received a text from Discover, which is my credit card company, saying that I had 2 transactions made from XXXX by the fraud. At that moment, I realized that the text I received on XXXX was a fraud. So I called Discover right away to report this fraud and ask them to stop my credit card. Meanwhile, I asked Discover to dispute these 2 fraudulent transactions. On XX/XX/XXXX, there were another 2 transactions made from XXXX by the fraud, but I didn't notice because I didn't receive any text notifications from Discover. On XX/XX/XXXX, there was another 1 transaction made from XXXX by the fraud, and I called Discover to ask why this was still happening after I made the first call on XX/XX/XXXX. But they mentioned their system was down, so they can't access my account to do any actions. On XX/XX/XXXX, I called Discover again, but it was too late to prevent another 2 fraud transactions from happening ( so there were 7 fraud transactions in total ). On this call, they just realized that they didn't cease online payment ( those frauds were done by XXXXXXXX XXXX which wasn't from my device. I only have XXXXXXXX XXXX ). Due to Discover 's mistake, I lost $ XXXX. On XX/XX/XXXX, after 2-month of communication with Discover on those 7 fraud transaction disputes, Discover still considered those fraud transactions valid. However, Discover made really wrong decisions and terrible investigations. First, those fraudulent transactions were made in XXXX, but I had my XXXX traveling document to prove that during those transactions were happening, I was in the USA. Second, the signatures on the receipts that the XXXX merchandise provided were obviously not my signatures. Third, those fraudulent transactions were made by XXXXXXXX XXXX which wasn't my device ; I always use XXXX XXXX Discover found a specious device but didn't ask me for verification. In sum, those fraudulent transactions were obviously not done by me. I have called Discover lots of times to talk about those disputes and provided my document that was authorized by the US Customs and Border Protection that I was in the US from XX/XX/XXXX to XX/XX/XXXX. Because of the disappointing investigation results by Discover and their mistakes, I have to report my case to CFPB to protect my right.
08/30/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33130
Web
On XX/XX/21 at approximately XXXX XXXX I purchased an XXXX XXXX flight on XXXX and paid with my Discover credit card. As part of the transaction, I purchased and was charged by XXXX {$130.00} for four ( 4 ) seat selections/upgrades. However, after the transaction went through and I received my flight confirmation emails, it became clear that the seat selections/upgrades had not actually been provided or reserved by XXXX. I confirmed with XXXX XXXX that there were no seat selections for my flight, so I contacted XXXX the same day as the purchase was made ( XX/XX/21 at approximately XXXX XXXX ). After some review and placing me on hold, XXXX 's customer service representative advised me that she had confirmed the seats had not been reserved so XXXX would be refunding me the {$130.00} and instructed that I would need to purchase my seat selections/upgrades directly from XXXX XXXX. Pursuant to XXXX 's instructions, I went ahead and purchased my seat selections/upgrades directly with XXXX XXXX on XX/XX/21 at XXXX XXXX. Specifically, I was able to purchase 3 out of the 4 seats I had originally tried to book with XXXX ( 1 of the seats was no longer available further evidencing that XXXX never booked the seats ). I waited a few weeks for the refund to hit my Discover account, but it never did. I attempted to contact XXXX again but apparently due to COVID they would not accept customer service calls unless you were within a week of your flight 's departure date (! ). Accordingly, I initiated a dispute of the {$130.00} charge with Discover. I provided Discover with copies of the emails I had received from XXXX, proof that I had purchased the same seats again directly through XXXX XXXX, as well as a detailed recitation of what had transpired. Despite the foregoing, on XX/XX/21 Discover advised that XXXX was asserting that the charge was correct and that Discover had also somehow determined that the charge/transaction was " valid ''. In other words, Discover - despite being in possession of evidence demonstrating that XXXX had charged me for goods/services that they never actually provided to me ( i.e. committed fraud ) - allowed the fraudulent charge to remain on my account. As a result, it became clear to me that Discover ( i ) was not looking out for my best interests, ( ii ) lacks integrity, and ( iii ) its dispute resolution procedures are entirely arbitrary and capricious - so I have since closed my Discover account ( I believe I was their customer for approximately 10 years ). Not much I can do against either party ( XXXX and Discover ) except submit the instant complaint and potentially file suit. I have had a few similar charge disputes with other credit card companies and NEVER had a issue like this before.
02/02/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Indicated committed crime not paying
  • NC
  • 28173
Web
This correspondence is not to be construed as in any way agreeing or admitting to owing any debt. In XXXX XXXX a Discover credit card was opened in my name and reported on my credit report. ( Acc # : XXXX ) XX/XX/XXXX was the date of last payment and the end of all activity on the account. As of XXXX XXXX, the account was listed as " closed/charge off ''. XX/XX/XXXX this item was removed off of my credit report because it was past the XXXX XXXX year threshold for reporting bad debts. XX/XX/XXXX I received notice from the Federal IRS that a XXXX form was submitted to them XX/XX/XXXX for the above listed debt- nine years after the date of last activity. The rules of issuing a XXXX form are clear. XXXX forms are to be filed NO MORE than after a 36 month nonpayment testing period expires. That non-payment testing period ended XX/XX/XXXX, and furthermore was past the statute of limitations ( For Wisconsin, where the debt was supposedly incurred ) in XXXX XXXX. I formally request that Discover Financial Services notify the Federal IRS that the XXXX form was issued in error and is to be withdrawn. Furthermore, in XX/XX/XXXX I attempted to contact Discover Financial Services about the inappropriately filed XXXX form and was transferred to an active collections department without my knowledge. In the state of North Carolina, which is where I reside the law is clear, and Discover Financial Services was in violation of : North Carolina Fair Debt Collection Practices Act XXXX XXXX XXXX. Deceptive representation. Failing to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector It appears that what has happened here, is that Discover Financial Services has purposely issued an incorrect XXXX form with the intent to coerce payment through unconscionable means on a debt that is well beyond the statute of limitations. This also is in violation of : North Carolina Fair Debt Collection Practices Act 58 70 115. Unconscionable means. 1 ) Seeking or obtaining any written statement or acknowledgment in any form containing an affirmation of any debt by a consumer who has been declared bankrupt, an acknowledgment of any debt barred by the statute of limitations, or a waiver of any legal rights of the debtor without disclosing the nature and consequences of such affirmation or waiver and the fact that the consumer is not legally obligated to make such affirmation or waiver.
01/12/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NY
  • 11201
Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Discover, for committing Fraud. I have never given Discover, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I have sent in a XXXX XXXX payment coupon to company in XXXX 2022. Company did not apply my payment and closed my account without giving reason or notice. Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt that I already paid, and you refused to accept, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports. Return requested documents so I can properly assess the validity of any debt Cease and rescind use of my intellectual property, my signature stating I agreed to close such account or was giving notice to close such account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to XXXXs response company claims and I quote We can accept late payments, partial payments or payments marked payment in full or with any other restrictive endorsement without losing any of our rights under the Agreement. Additionally, you must pay in XXXX dollars.. Discover conducts regular review of our customer accounts and on XX/XX/2022, in accordance with the terms and conditions of the XXXX Agreement which state ; Which seem to be false information. To my understanding according to the payment information on the back of the slip it states : Send only your allowable form of payment ( " Payment '' ) and the bottom portion of this statement in the envelope provided, after affixing postage. Please do not send cash. Sending cash is not allowed. The processing of your allowable form of Payment may be delayed if you send cash or correspondence with your Payments This brings a lot of confusion and sounds like fraud actively have occurred by your company. The company stated I must pay in XXXX dollar and I know that a XXXX dollar is Legal XXXX. Legal XXXX as the currency of a nation in the form of paper money. Legal XXXX is considered valid for payment of any financial obligations. Legal XXXX is a form of money that courts of law are required to recognize as satisfactory payment for any monetary debt. Each jurisdiction determines what is legal XXXX, but essentially it is anything which when offered ( " XXXX '' ) in payment of a debt extinguishes the debt. The act of XXXXXXXX the payment in legal XXXX discharges the debt.
11/17/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • VA
  • 22304
Web
On XX/XX/2019, I disputed an item billed to my account in the amount of {$910.00} based on the quality of services I received. I had purchased entry into an establishment which had falsely advertised a XX/XX/XXXX show. Due to the amount of money involved and because our special occasion had been ruined, I contacted the merchant to advise of my problem. The merchant was initially unresponsive, but then slow to come around and try to help me. I called the credit card company to ask how much time I had to file a billing dispute since I was trying to work with the merchant. They told me that I had no time limit to file it. When the merchant finally admitted to wrongdoing, it attempted to comp me another night at the establishment. I advised the merchant that I did not live in the area, that I was only there for a special occasion, that this special occasion had in fact been ruined due to their false advertisement, with guests who had flown across the country to be there, and I asked for a credit back to my account. The merchant again became unresponsive. This time I called the credit card company back to initiate the billing dispute. The merchant had gone back and forth with me, but in the end had resolved nothing and became unresponsive. The credit card company began an investigation and issued a temporary credit. I sent in all email correspondence to them with documentation of the false advertisement. In XX/XX/2019, I received the results of the credit card company told me that the results of the investigation told me that they could not help me because 1. ) the time had elapsed in which they could take back the money from the merchant ; 2. ) that I needed to have something in writing from the merchant agreeing to credit my account. I told the credit card company that I was given the wrong information by the representative when I initially called, that they had in fact told me there was no time limit to file a dispute. Second, the credit card told me that the merchant 's offer to comp me was not enough for them to protect my account and give me a credit. I let the credit card company know that this is why I was turning to them for help, because I was unsuccessful in getting the merchant to do it. If I had to get the merchant to agree to a credit or refund, then what protections is my credit card offering me? Why would I need to seek their help if part of the requirements are that the merchant must agree to a refund or credit in a dispute? This defeats the purpose of a dispute. I called in recently wanting to pay off my card and sought to again speak to someone about this, because it seems like an unfair practice what happened. I was given the same information. The credit card company is unable to help me.
04/13/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 77087
Web
The company Im with is Discover card. I got a card with them back in XXXX and I was excited because that mean I could actually start adulthood with a credit score. This incident occurred on XX/XX/XXXX, I think. So I looked at my account to see how much I had to pay for the next month ( XX/XX/2020 ) and I saw I had a balance of {$400.00} on it, which was weird to me since Id only spent {$17.00} on art supplies ( since Im stuck inside, I bought some canvases to paint on ). I called the company a total of four times ( once I didnt get to talk to anyone because I called outside of their usual hours ). The first time, I was transferred over and was told that it was from a past fraud claim at the end of XXXX and that it was determined to be legitimate. I argued couldnt have been because I hadnt authorized the charges and I didnt have the card anyway because I never received it. They told me that they couldnt do anything and I had to give an explanation as to why it was being used ( as if I could, I had no knowledge of where the card was or if anyone took it ). They told me to file a police report and that was it. The second time, I talked to another person who told me hed look into another dispute for me ( which Im really grateful for ). That one was also denied but I didnt know until the fourth call. This person closed the account because I still hadnt received a card and had the new card sent to my dads house since I live with my mom. He also told me it was used via chip so someone had to have physical possession of the card. The third time, they didnt answer. That was on me since I didnt check the hours. The fourth time, they told me what the first guy did. They said they couldnt determine it was fraud because it was close to my home ( which I mean makes sense, they would use it close by if they wanted to ). Mind you, I have no license so I cant drive anywhere and I had no reason to spend even over {$100.00}. The most Ive ever spent at one time was {$200.00} and that was for an xbox for myself as a gift using my debit card. Thats it. I dont want to be charged for something I couldnt have spent. I dont know what other evidence they want from me but Ive filed a police report to try and get some answers. Hopefully this gets somewhere and actually gets resolved. I feel like I was failed by the company, especially as a college student. Im honestly thinking of closing my account and maybe dealing with my credit score later but I know this is going to affect me regardless. Ive lost trust in people I love most because of this. I panicked after the fourth call because honestly I dont have the money to be paying off someone elses purchases. And either way, why would I pay for someone taking advantage of MY card?
11/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 113XX
Web
I have contacted Discover Card several times, sending emails calling and even faxing the unauthorized charges herein below that were NOT AUTHORIZED, but now Discover Card again posted all the charges back to my account for transactions listed below. Discover resolution support credits and then post the charges again to my account over and over, making it almost impossible to understand why they are still reversing the charges. The Discover resolution support person I spoke with several times not all but one of them very much treated me like a child and even made defamatory comments towards me instead of taking care of the issue when I first contacted them in the year 2018. XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$1400.00} XX/XX/2018 - XXXX XXXX XXXX XXXX NV - {$5300.00} XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$1400.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$5300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} All charges herein above are UNAUTORIZED CHARGES, XXXX is aware that the charges were not authorized, and they keep posting it back to my account. I am NOT RESPOSIBLE FOR All the charges ; they know very well after numerous explanations about the company XXXX XXXX. I have no contract with XXXX XXXX and all the charges listed above were once again NOT AUTHORIZED. This is destroying my credit and now I have to file this complaint against XXXX XXXX. All charges above should be credited to my account as soon as possible. I am not going to make any future payments to XXXX. I am already in litigation with XXXX XXXX and will soon be in litigation with XXXX card. I would like to request that all NOT AUTHORIZED CHARGES above to be credited to my account as soon as possible as I am not going to make any future payments to Discover since they are very much aware of the UNAUTHORIZED CHARGES issue with the merchant XXXX XXXX. Unless XXXX can prove without a reasonable doubt and solid that I do have an account with XXXX XXXX and that I did authorize the transaction.
01/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30680
Web
Discover is refusing to properly reassert and CORRECTLY INVESTIGATE dispute. I was told on XXXX by The Discover Fraud Department that they will not reassert my dispute without new information. Counts as follows ; 1. Due to not being able get in touch law enforcement. RESPONSE : I called and spoke with the police department ; they said they have received no phone calls or messages from Discover, but would speak with them if they call. 2. That I viewed activity on a XX/XX/XXXX and XX/XX/XXXX and did not report until XX/XX/XXXX. RESPONSE : I called in on XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX all reporting that my card was lost and my account needed to be locked. I received correspondence emails stating that Discover was sending me a new card, crediting my account and locking my account. BUT I NEVER RECEIVED A NEW CARD AND MY ACCOUNT WAS NOT REPORTED. 3. That I made payments from XXXX to XXXX prior to reporting fraud. I DID NOT MAKE ANY PAYMENTS UNTIL XX/XX/XXXX. 4. My name and phone are spelled incorrectly on all fraudulent charges. PLEASE LOOK AT THE BILLING AND SHIPPING ADDRESSES. THEY ARE WRONG!!!! Under the federal Truth in Lending Act ( TILA ), credit cardholders can only be held liable for unauthorized charges up to {$50.00}. Because Im facing charges of more than {$1700.00} Discover can not demand payment of this unauthorized charge or any related fees. I did exactly what I was supposed to do under these circumstances. When she received her credit card statement, I reviewed it immediately. Then, I quickly disputed the unauthorized charge multiple times. As soon as Discover was notified about the disputed charge, it was obligated to perform an investigation under the federal Fair Credit Billing Act ( FCBA ). At first, it appeared that the charge was handled correctly because the charge was reversed and removed from my account. But when the charge reappeared and I re-disputed, the credit card company violated the FCBA by : -Failing to perform a proper investigation, -Failing to consider the evidence XXXX provided XXXX -Failing to provide proof of the contract or receipt that XXXX allegedly signed in support of the charge, -Permanently reinstating the charge that was previously removed, -Refusing to provide an adequate written explanation of its decision and supporting documents to justify the reinstated charge, and -Continuing to demand payment of the charge and associated interest and fees. -Unlawfully charging XXXX for a transaction I did not authorize, -Failing to investigate and correct the charge, -Falsely claiming it did investigate, Billing me for amounts I dont owe, and -Trying to collect the unauthorized charge while adding interest and other fees.
06/04/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • IL
  • 60202
Web
I have a credit card ( ending in XXXX ) with Discover Bank. There have been several issue with this card and Discover is handling this very poorly. My credit line is {$3300.00}. A couple of weeks ago, I paid for some airlines tickets ( total $ 1,600.00+ ) through XXXX , so my balance was a little higher than that. That means I still had approximately {$1200.00} credit. Due to some glitch ( es ), either on the XXXX or the Discover side, a duplicate charge for the same amount showed up on the credit card which effectively went over my credit limit. It stayed there, pending for approximately 1 week before Discover/XXXX removed it. Discover said it wasn't them, that it was the merchant although I still can't figure out why they'd let them attempt to charge me twice without texting me about either of the charges to approved or deny ( as they've done in the past ). Finally, the duplicate charge was removed after about 7-8 days which means I still had approximately {$1200.00} in credit. I had a couple of charges from other merchants that got rejected because of the XXXX charges. But now I hoped I could start paying bills. Well, not really. Because even though my credit should be the one mentioned above, Discover says I only have {$6.00} credit. There are no charges on my card and as you can seen, the billing activity only shows $ 1,700+ in charges. As of now, it looks like my card has been blocked due to these various issues for about 10 days. I don't understand why Discover keeps doing this. It's not only bad math and that's alarming enough coming from a credit card company but it's an unfair, sneaky, misleading practice that is putting me in danger of incurring late charges from merchants that I can't pay because of this problem. Why was I not protected from the duplicate charge from XXXX? Once that got removed, why is my credit only {$6.00} when it's supposed to be {$1200.00}? Why is Discover taking so long to update my account and why am I not being notified of potential issues with my credit line? Again, this is not the first time this has happened. Even though Discover says I have credit for XXXX, I've seen that when I go over {$2000.00}, my credit gets blocked. When I ask questions, their explanations usually seem designed to shut me up or mislead me as to what's really happening with my credit. I want my card unblocked and my account updated with my real credit line. If my credit line is really only {$2000.00}, then why is Discover making me think it's {$3300.00} and then doesn't let charges go through? And I would really like real time updates to my account history and more expediency resolving billing/transaction issues ( not 8, not 10 days to resolve seemingly simple issues ). Thanks
11/28/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 92078
Web
My discover card was stolen a couple months ago along with my entire wallet ( including my ID card ) and phone. It was used to create XXXX XXXX in fraudulent transactions. I disputed all the fraudulent charges made on my discover card and the majority were denied and readjusted to my discover account now showing on my balance. I need these charges taken off my balance as I did not make them & they were done fraudulently. I was told that the main reason for the readjustments were due to the merchants having proof of my ID card being used & transactions being approved via email or text. But as I had mentioned to the discover rep while creating the dispute, my ID card was stolen along with my discover card and my phone. My phone did not have a passcode on it leaving it open for anyone to use. Once the transactions were readjusted, I called the discover customer care center who forwarded me to the discover rep XXXX who told me the reasons why the transactions were readjusted. After I told him the reason why those were invalid and to have the readjusted dispute transactions taken off my balance, he began to insinuate that I had in fact made the transactions and almost started interrogating me in regards to the transactions. This was very unprofessional for Discover after being a loyal client for over 3 years paying my credit card in full every month. I filed a police report regarding the incident and an FTC identity theft report and have still been denied the disputes. I told XXXX over the phone to either check the security footage of the merchants where the transactions occurred or the signatures given to the merchants where the transactions occurred to figure out who did this with my card. I was told he was unable to check these things. Those XXXX pieces of evidence I listed would figure out who made these transactions and would clearly show that it was not me who made them. Yet Discover is claiming that they have " sufficient evidence '' to deny the disputes. What evidence? That my ID card was used during the purchases? That a verification code was approved via email or text? Anyone who looks even remotely close to me could have used the ID successfully. Employees checking ID 's quickly glance at them and most of the time don't care as long as you present them a real ID. & whoever had my phone had access to the gmail app and also all my text messages. These are not valid reasons to deny my disputes and I will not be held liable for XXXX XXXXXXXX in fraudulent charges that I did not make. This is unfortunate that I have to result to creating this report to settle this situation that should have been handled professionally by discover who I saw as a decent credit card issuer before this incident.
02/24/2017 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't decrease my monthly payments
  • CO
  • 802XX
Web
I have had repeated problems with Discover Student Loans. I did not choose this company - they purchased some existing student loans I had with XXXX, so I was never given the option to use the free market to find a company that provided better service. My problems with Discover began almost immediately. The monthly payment amount they wanted was very high, and I was working for a non-profit, making too little to afford the payments. I called repeatedly to ask for a modified payment plan, but was told that they did not have one yet. So I made their payments and began to put necessities like groceries on credit cards. My interest rates on my Discover loans are through the roof and keep going up : currently 7.75 % and 10 %. They 've gone up six times in the past year, including twice in a single month last XXXX. Because they keep increasing my interest rates, my payments go up, too, because the loan term does n't change. I asked if I could renegotiate the loan term to make my payments more affordable, and was refused. Last year, I experienced further financial hardship when I moved cross-country and changed jobs. While my increased hardship was temporary, as I had taken a higher-paying job with a for-profit company, Discover refused to grant me a deferment of a single month. My income was too high. I was instead granted a six-month reduction in my payment amount, from {$490.00} to {$380.00}. I still was unable to pay that month, but I diligently made every payment following, adding {$16.00} to each payment in order to make up for the missed payment over time. In spite of this, I began receiving calls three times day, every day, hounding me for the overdue amount. I requested that they stop or at least decrease these phone calls, and they refused, saying they were within the law. I had to block the number. I have not missed a payment since I had that difficulty last year. At some point, my six-month payment reduction ended. I received no notice that it was ending, and did not even realize it had ended until I spoke with customer service today about my overdue balance increasing instead of decreasing. For months I have been making payments that I thought were a little extra, but were instead more than {$100.00} too little. Even when I had near-perfect credit, the only refinancing I could find was at a rate even higher than what I 'm paying now. My credit was damaged during the period of financial hardship mentioned previously, so now I ca n't find refinancing at all. I want to pay my debts, and I want to work with this company to make my debt payment manageable. But Discover will not work with me to come to a reasonable compromise on the monthly payment amount. I 'm not sure what else I can do.
09/27/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • PA
  • 19130
Web Older American
In XXXX 'Discover It ' opened a credit account for me with a credit limit of {$2000.00}. I was paying $ XXXX month through my credit union checking account autopay service for approximately 9 months. When I attempted to charge some products at a local retail store, my Discover card was declined, resulting in my confusion & embarassment. I telephoned the company & was informed that my account was closed because I had failed to " verify '' my identity by responding to an email the company had sent me several months ago. Looking through my emails, I found an email from some other company I never heard of asking me to complete an IRS form. Since I hadn't recognized the company asking for my personal information, I thought it was a scam & hadn't answered the email. I informed the representative of Discover that since I did not know that Discover was trying to verify my identity, I had ignored the email thinking it was a scam. It was an honest mistake on my part that was unrelated to my payment history or creditworthiness. I requested that my account be reopened, in light of the fact that I had never missed a payment. Discover refused to reopen my account, but advised me to continue making payments because of an outstanding balance of {$1500.00}. I have continued to pay my bill on time, but I reduced my monthly payment from $ XXXX. to $ XXXX. In XXXX Discover increased my minimum monthly payment to $ XXXX, with interest rate of approximately $ XXXX. I sent 2 autopayments, one on XX/XX/XXXX for {$50.00}, & one on XX/XX/XXXX ( Discover 's closing date ) for {$10.00}. Discover charged me {$30.00} in late fees because the due date for my payment was XX/XX/XXXX. I called the company & was informed that although the statement closing date was XX/XX/XXXX, there is no 'grace period ' between the payment due date & the closing date, & that my {$10.00} payment was late. The company did agree to waive the late charges for this month. But my minimum payment due on XX/XX/XXXX is now {$65.00}. I do not believe Discover has been dealing with me in good faith. First, a sneaky attempt to get me to reveal personal information to a third party that neither Discover nor the third party informed me that it was acting as an agent for Discover. Second, closing my account without informing me of the reason, resulting in my confusion & embarrassment when I attempted to use the card at a local retail store. Third, refusing to re-open my account, which was in good standing, because I chose to be careful about revealing personal information to Discover 's undisclosed agent via email. Fourth, I am paying a variable APR of 28.24 %, 20 % + over the prime rate set by the federal reserve on a credit card which I can no longer use.
09/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NY
  • 11211
Web
I put a downpayment of {$500.00} on a secured credit card with Discover. On XX/XX/XXXX, I noticed that the credit limit had increased, I was not notified of this change. I was told that a check had been mailed on XX/XX/XXXX and that it would be received in 5-7 days. That check was sent to an out of date address. On XX/XX/XXXX, I notified an agent of my updated address. On XXXX, I was told that the previous check was stopped, a new one was mailed, and I would receive it in 3-7 business days. On XX/XX/XXXX, it still hadn't arrived. I was told that it would now be up to 30 days from date of request. On XX/XX/XXXX, I was told 13-17 calendar days, but to allow for 30 days from the date of request ( the request was submitted on XX/XX/XXXX ). The agent could not confirm if the check was sent. On XX/XX/XXXX I spoke to another supervisor and was told after 13-17 calendar days from date of request, and to ask for a deposit to a bank account if not received. On XX/XX/XXXX, another supervisor took my checking account information and stated that he had begun an ACH transfer and that I would receive the {$500.00} to my bank account within 3 days. When that didn't happen, I contacted them again, it had never been processed. I spoke with an agent the week of XX/XX/XXXX who told me that my check in fact had not been mailed on XXXX, but XXXX, if at all. I have spoken to dozens of agents whom have mostly all given inconsistent time frames and false promises. Throughout this process, I have gone into debt with this company because I have not been given access to the funds that I am owed. They simply try to sell me on new services that they offer and to recover {$38.00} from me when I am owed {$500.00} from them. Despite constant contact, I continue to be given false information or am completely ignored. I can no longer use the chat customer support feature because the agent left my chat open while transferring me to a supervisor. I have never left a survey response because I have learned of the way customer support representatives are treated if they don't meet the company standard of positive response percentages. As of writing this, I have been waiting 38 days. I spoke with another supervisor today and was told that the ACH transfer will be submitted today, but but it will take up to 10 days instead of the 3-5 quoted by two other supervisors. I asked for the money to be credited to my account, but was notified that they no longer offer that option. In XXXX, when Discover had to refund their customers {$120.00} million for deceptive credit card practices, this was an option. I am mystified by the inaccuracies, inconsistencies, and sheer incompetence that I continually endure at the hands of Discover.
10/25/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • XXXXX
Web Older American
I have requests for the attached responses from Discover. I have made several complaints regarding stolen card, fraudulent purchases, and fraudulent payments. I did not steal my own cards nor make fraudulent payments. Discovers response dated XX/XX/XXXX reflects I called on XX/XX/XXXX advising to allow XXXX XXXX to use, discuss, withdraw fraud claim, and requested balance to pay off. How did Discover know she was also using another name aka XXXX? This is totally false since I had just filed a sheriffs report one day prior on XX/XX/XXXX and I didnt have money to pay off the card! She called Discover, so may I have a copy of the interaction plus all details including the phone number? Ask yourself ; I am a man who held the card. She is a woman and needed a man to make statements. Someone just decided to call you to tell you to drop the fraud case and alright to talk with XXXX XXXX?????????????? How does that benefit me especially finally a sheriffs report one day earlier? There was reason for XXXX XXXX to go to great lengths to steal and have someone impersonate me. I researched the purchases and XXXX XXXX was using card to pay probation fees to XXXX XXXX County. I noticed several payments to XXXX XXXX County Clerk and dialed the number on the statement ; XXXX. XXXX XX/XX/XXXX purchases and call the number. She is also now or was recently an inmate in XXXX County Jail XXXX for false pretenses and forgery. See attached. On XX/XX/XXXX, Discover reflects I took full responsibilities for the charges. I asked to continue payments on what I just owed. May I also have a copy of that interaction / details. At that point, I was very frustrated and wanted my credit rating back. I have been asking for payment options and settlement options and I will continue to discuss much to regain my credit. But I have never represented I was married or withdrawing fraud claim. Then Discover exacerbated the problem by not removing payments and subsequent purchases, closing the account, and then charging off. I had asked for return of cards but Discover isnt able to comply. What can be done? What are the options because my credit should be restored? Drastically discount the amounts due? But I am XXXX and I now dont have money readily available. I was faithfully making payments to reduce debt, never made fraudulent payments, and am most certainly not married or even common law. Nor am I in the least attracted to someone that XXXX XXXX ugly! Calling Discover is very difficult if not near impossible. It has been more productive and a better use of my time to correspond through CFPB. Instead of stressing consumers, would it be better for Discover to call the consumers when Discover is not so overwhelmed? My number is XXXX.
03/09/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Add-on products and services
  • NY
  • 10314
Web
In XXXX of 2021, I made a purchase from XXXXXXXX XXXX XXXX XXXX using my DISCOVER Card. One item from that purchase was a Water Pump for my car. I received the Pump and had it installed. During a routine visit to my mechanic in XXXX, he mentioned that my Water Pump was leaking. I was shocked because this was the new item I had installed. It failed after only a few months. On top of that, installing a Water Pump is an EXPENSIVE undertaking. I contacted XXXX '' XXXX and explained the issue AND OFFERED TO BUY A NEW WATER PUMP, HAVE IT INSTALLED, AND RETURN THE DEFECTIVE ONE. The Agent REFUSED to do that. He insisted that I return the Defective Pump to be repaired and placed back into my vehicle. There would have been several problems with this. 1 ) I do not want a Damaged and Repaired item put into my car for fear it may fail again 2 ) The car can not run without a water pump. So if my mechanic removed the water pump for me to return to XXXXXXXX XXXX, I could not drive the car home and I could not leave it there. No : I was not going to pay {$120.00} to have my car towed home and then another {$120.00} to have my car towed back to the mechanic when this " repaired '' water pump was sent back. 3 ) How do I get around with non operational car? So, I called DISCOVER, put the purchase in dispute, purchased a water pump from a better Competitor to XXXXXXXX XXXX and had it installed. AFTER I purchased the water pump from another distributor AND HAD IT INSTALLED< an agent from XXXXXXXX XXXX contacted me and said she was goign to send me a water pump. I TOLD ER NOT TO. THE JOB WAS ALREADY DONE. She sent it anyway. Upon receiving it, I called and told her to send me a mailing label to take it back. I was not going to ship it back at my expense because shipping something this heavy would easily cost me {$30.00} or more WHEN I EXPRESSLY STATED TO NOT SHIP IT!! DISCOVER KEEPS DECDING IN XXXXXXXX XXXX FAVOR REGARDING MY DISPUTE BECAUSE XXXXXXXX XXXX SENT ME AWATER PUMP! This Water Pump is of NO USE to me. One has already been installed -- at considerable expense. I also told XXXX XXXX to send me a shipping label to send this back, because I was not going to spend {$30.00} of my money to ship it back when I told them not to send it. XXXX XXXX sold me a defective Water Pump and refused to take the defective one back for a refund. DISCOVER claims I have two Water Pumps from XXXX 'S. I fdo not. I have a defective one which is of no use, and I have the one they sent THAT IS SAID DO OT SEND. I want this amount credited to my account. This should not be judged in XXXXXXXX XXXX favor. They have inconvenienced me and caused me to do an expensive job TWICE because of their low-quality merchandise.
09/27/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • WI
  • 53217
Web
Discover closed my account ending XXXX in order to steal my rewards. I always paid bills on time, never late and earned 150000+ miles in rewards which would be around $ 2000+K cash. I requested my rewards redeemed on XXXX XXXX at that time Discover assured me rewards would be paid automatically on XX/XX/XXXX for that I did not needed to call in : they made me to believe that they will send a check or transfer cash to my bank account as they did previously when I redeemed my rewards previously. Few days ago I saw that my family member made a purchase on XXXX and redeemed my Discover rewards, I never consented to Discover or XXXX to use my rewards as payment option, I don't understand whythose companies decided they can use my rewards without my permission. Today on XX/XX/19 I contacted Discover again to get my rewards and was told that Discover closed my account on XX/XX/19 ending *XXXX because " they did not hear from me and my rewards are voided '', never sent an email or mail or any indication informing me about intent to close my account. So today, on XX/XX/19 I spoke with XXXX mngr in OH he refused to redeem my miles for me because " when I called on XX/XX/XXXX to request my rewards I was told rewards will be paid out automatically and I don't need to call, but then I needed to call again in order to redeem. '' this istrolling and scamming practices to steal my rewards. No other credit card company ever demanded my Tax Returns from IRS. No notes, emails, letters with deadlines or anything indicating reason for closing account ending *XXXX therefore Discover did not wanted to pay my reward which would be approximately $ 2000+ Discover is a scammer and a thief, they invent tricks to steal from us our rightfully earned rewards : in instance, they emailed me yesterday on XX/XX/19 stating that they put me on their Match program on my account ending *XXXX that was never even activated and is closed. For the demand of my IRS records I received and email from someone looking like a spam and I thought was a scam that did not come from Discover email, I deleted it as it wanted me to click on the link. I learned it was from Discover only after I called in to activate my new card ending *XXXX. XXXX told me that spam looking email was from them on XX/XX/XXXX, ( XXXX from their special department ). Then he asked me if he should close the account and hanged up the call. Then I called again, spoke with the female agent and she confirmed that XXXX was accurate and they will not activate account until I give them access to my tax returns from IRS. I refused to allow any credit card company access to my IRS records. and they closed my both accounts without any notices in order not to pay my reward.
08/26/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • 92109
Web
There are two parts to my complaint. First, I applied for a student loan on XX/XX/XXXX because I was told by a representative with the company that Satisfactory Academic Progress was not a consideration for approval. I got approved for the loan and when they did a certification with my school, they denied the loan because of those SAP requirements. This caused an unnecessary inquiry on my credit because I was given misinformation and I had to call another lender and get the loan ( which was another inquiry ). I called the Discover and complained about this and asked how to remove the inquiry and they said they couldn't do anything for me, but they recommended getting a personal loan. At the time I was a little upset with them so I decided to get the student loan with someone else, but eventually decided on XX/XX/XXXX to go ahead and apply for the personal loan with them because they kept sending me marketing emails about pre-approval. I got denied for the personal loan even though I have a good credit score with no late payments on any account and make more than the minimum monthly required payments. I called to inquire why I was denied and they initially told me I needed to send them the back of my ID and that I needed to send them more pay stubs. I sent it over and still was denied. The reasoning they gave me after talking to several representatives ( including 2 managers ) was that I had the inability to pay back the loan. The explanation was that because my beginning monthly balance was more than my ending monthly balance that meant that I could not pay the loan. For example, 1 month I started with {$67000.00} in my checking and savings combined and ended with only {$64000.00} so according to them I was spending more money than I was depositing. I have never send a lender use this kind of practice with assessing debt to income ratio to approve a loan. Making some purchases has nothing to do with my ability to pay. Why would I save money up in my Savings account if I am unable to use some of it because it looks bad to a lender? Every manager I talked to was very smug and sarcastic to me almost like there was some underlining reason as to why I was be denied. I currently have over {$55000.00} in my bank account, I make $ XXXX/month and only pay out {$1100.00} in bills, I have over {$65000.00} in credit equity ( including a {$16000.00} card with Discover ) with usage less than 4 % and I have a good XXXX score and excellent XXXX XXXX and XXXX scores . This decision not only feels discriminatory to me. The second inquiry on my credit from the same company " XXXX XXXX XXXX '' along with the company I had to choose to get the student loan from instead has decreased my XXXX score XXXX points.
03/01/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TN
  • 37174
Web
I initially contacted the CFPB on XX/XX/XXXX regarding an ongoing dispute with Discover. I have provided substantiative documentation from the company stating that I would be refunded for the charge and the third party company is refusing to refund the charge. My initial complaint to CFBP re : XXXX stated : " I placed a reservation for the XXXX in XXXX XXXX XXXX AL. The room I reserved was a studio with an attached room with 2 bunk beds and the main room had a king size bed. The room was advertised as having premium ammenities including premium bedding, and black out curtains. The curtains in the room were broken and the bedding was shredded/torn. The toilet was broken and the shower was not working upon arriving. I called several times to the front desk and was not offered a replacement room. Maintenance was sent up to the room to repair the toilet and curtains but nothing else. We discovered the air was not working in the second room in the middle of the night and ended up leaving because it was so hot in the room. We explained to guest checkout what had happened and why we were leaving. I was advised by a portly XXXX haired woman working XX/XX/XXXX around XXXX that we would be receiving a refund in full and that she was refunding the other charges made while staying there. The other charges were refunded however the charge for the hotel was not refunded. When I contacted XXXX to explain what was going on they said they would not contact the hotel. I attempted to escalate with XXXX to no avail. I then proceeded to dispute the charge with my bank Discover. They provided proof that the charge was valid in the form of an online screenshot showing the booking. However the charge has not been refunded. The service I paid for was not rendered. The room was not in a habitable condition. '' The case was closed by CFPB as the company responded they were still investigating the case. The case was closed XX/XX/XXXX and was again charged back to my account I submitted documentation I received from the hotel stating they authorized a full refund to the third party vendor XXXX for the charges at XXXX XXXX. I have not received a refund, I have been recharged by XXXX again. I have had no additional correspondence with Discover only a surprise charge against my account. Discover is engaging in unethical billing practices and not investigating the claim or even corresponding with me. I am continuing to ask for this unathorized charge to be removed. I did not authorize this charge. I am uploading a copy of the letter from the XXXX that states the charge should have been refunded. I do not know what more I can provide to prove this was not authorized. At this point this is a fraudulent charge by XXXX.
03/28/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • AL
  • 35749
Web
On XXXX XXXX-XXXX there were charges that took place on the account that I did not authorize. I didn't authorize, I wasn't present for, I don't know who it was, didn't authorize anyone else, nor did i benefit from any of those. This information was informed to the company once I noticed the charges. There was also no notifications sent while the charges were made sent to my phone nor email that I could have validated stating I was making the charges. I informed the company of that information as well. I also had a traumatic event that was going on at that time as well that was relayed to them. I didn't have the card in my possession. There is nothing that can be proven nor show I did because I absolutely didn't. If film is pulled, signatures from the merchants, etc will 100 % support and verify that. Also have people that can account for location and where I was at when it shows those charges occurred. Also discover states : All Discover Cardmembers are protected with our {$0.00} Fraud Liability Guarantee, which means you're never responsible for unauthorized purchases on your Discover card. They asked me if I could do a police report and informed them that I don't live there and that drive would be an inconvenience for me because of taking care of my sick mother and also my XXXX year old daughter who I have custody of and am responsible for all her care and cost. Also that wouldn't feel comfortable with all that is going on doing that because I had been following things for months now. They informed me that everything would be ok and that charges are credited and wouldn't be responsible for charges and that I was 100 % covered. I went on with my day to day. Later I requested to cancel the card because the card didn't benefit me, there were no perks, always and issue with security measures and seems lack severely with defense. I stated that would like it canceled. I paid the balance I had on account and the account was closed. The account was closed on XXXX XXXX 2020. I recently received a letter stating that upon reviewing facts of case that was determined bo fraud occurred. That is so erroneous and completely inaccurate. I have FACTS behind me supporting I didn't use. I do not owe this balance and will not be paying. I also will contact an attorney if necessary and do all that will be needed. I think this is a retaliation tactic because I closed the account. I will contact media, XXXX, attorney 's, and any other source I need to so that this story can get out there and make this known and very public if this isn't corrected as soon as possible. There should be no balance and the account should be closed in good standing with no balance. I won't let them get over on me now or again.
05/06/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • GA
  • 30017
Web Older American
On XX/XX/2019 I received an email from Discover Bank stating if I didn't contact them by XXXX ET that {$4000.00} would be wire transferred out of my savings account. Thinking it was a scam I didn't call the phone number on the email, instead I looked up their number on the Discover Bank website. I was informed at that time ( before XXXX ET ) that there was indeed a {$4000.00} wire transfer request. After several security questions Discover realized I was in fact the owner of the savings account. They stated that they would stop the wire transfer. I was given a new Savings account number and my savings balance was transferred to the new account. Apparently, around the same time, the scammer was also on a call to Discover, I guess verifying the transfer. I took action and put a security freeze and fraud alert on all the credit agencies. On XX/XX/XXXX, I found out the transfer was made when I checked the Discover Bank website and noticed my account was missing {$4000.00} ( {$30.00} transfer fee ). I talked to the Discover Bank fraud department ( " XXXX '' ) on XX/XX/XXXX. I was told by someone at Discover that the {$4000.00} would be back in my account within 7 to 10 days. I reviewed a new credit report and the scammer 's address was now on my credit report. I emailed, called-left a message, and emailed again the XXXX XXXX Police Department. No response as yet. During this time ( XX/XX/XXXX - XX/XX/XXXX ) I've received several emails and phone calls from Discover only to realize the scammer is still in contact with Discover and the scammer has been able to change passwords and change security answers. She was also able to change my new verbal password! No one was supposed to get through if they were unable to provide the verbal password and the scammer was able to change it!!!! I checked my savings account online everyday. When the time had passed I called again and they said it just takes time. Kept checking my account, no changes, called back several more times. On or about XX/XX/XXXX the Discover rep said it takes time, they are waiting for a response from the bank recipient. While the representative wasn't exactly rude, his tone and things he said made me feel that I may never get the money back. I talked to the Discover Bank fraud department rep " XXXX '' today ( XX/XX/2019 ) and was told that the {$4000.00} wire transfer was not covered, basically telling me I may never see that money again. I called XXXX XXXX 's consumer team and they referred me to the State Banking Authority and a message referred me to Consumer Finance. While not mentioned above, I will also be filing a complaint against Discover Card as my credit account was also compromised. Thank you.
02/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • CO
  • 809XX
Web
XX/XX/2023 I applied for a Discover credit card that offered a Balance Transfer I was approved for the card with a {$12000.00} limit During the application, there was a form for a balance transfer. I filled the form requesting a balance transfer from XXXX XXXX account # XXXX in the amount of {$2900.00}. I did not receive confirmation that the balance transfer was accepted or pending at this time. There was on information on the application or in either email received on XX/XX/XXXX or XX/XX/XXXX On XX/XX/2023 I received the Discover card in the mail and called to activate the card. Account number # XXXX On XX/XX/2023 I created the Discover online account. I checked the Balance Transfer page in my account. There were no pending Balance Transfers listed at that time. I received no indication that there was a pending transfer either via mail, email or in the online account. At that time, I still wished to proceed with a balance transfer request, so I put in a request for a balance transfer from XXXX XXXX account # XXXX in the amount of {$3200.00}. I received this notice via email : " XXXX XXXX, we got your balance transfer request Here are the details : Transfer Amount : {$3200.00} Financial Institution : XXXX XXXX ending XXXX XXXX Rate ( XXXX ) : 0 % Estimated Transfer Fee : {$97.00} Offer Duration : 18 months An account must be open for 14 days before Discover can begin processing your balance transfer request. After that, most transfers are processed within 5-7 days. Please allow additional time for the recipient to credit your other account. To avoid late fees or penalties, we recommend that you continue to make payments on your other account until you verify the funds have been credited. And when it posts to your account, you'll get an email from us. '' To clarify, I NEVER received a confirmation like this for my original request either on the approval screen, by email, or by any other form of communication. This is where I feel the error lies with Discover ; the absence of any such confirmation is what prompted me to request another balance transfer. If there had been any indication of pending or accepted balance transfer request in process, then I would have never made a secondary request. XX/XX/2023 I received two emails stating that each balance transfer request has been processed. This has resulted in a balance of $ - XXXX in my XXXX XXXX I contacted Discover twice to request resolution because there was never any indication that the original balance transfer request was received, pending, or accepted. I requested that one or both balance transfers be reversed. This was denied. I requested that one of the balance transfer fees be refunded. This was also denied.
07/07/2015 Yes
  • Credit card
  • Closing/Cancelling account
  • NJ
  • XXXXX
Web
I received this email. It is ashamed that someone should should be forced to buy to keep a credit cardDear XXXX XXXX, As a result of a recent review of the Discover ( R ) card account referenced above, we have closed your account as of the date of this letter. This action was taken for the following reason ( s ) : Inactivity on your accountWe will credit your account with your Cashback Bonus ( R ) ( or Miles ) balance if you have one. Should you have any questions regarding the actions taken on your account, please contact us Monday - Friday XXXX ET, by calling XXXX. Sincerely, Account Review TeamOur credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. For a free copy of your credit bureau report, contact : XXXX CONSUMER RELATIONSXXXX XXXX XXXX, XXXX XXXX also obtained your credit score from this consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. Type of credit score FICOYour credit score XXXXDate XX/XX/2015Scores range from a low of XXXX to a high of XXXXKey factors that affected your credit score were as follows : XXXXThis information was provided to us by XXXX CONSUMER RELATIONS, a consumer reporting agency. FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency which administers compliance with this law concerning Discover Bank, the issuer of the Discover Card, is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
01/30/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • TN
  • 37912
Web
My mom XXXX at the end of XXXX and I contacted discover as I was overwhelmed with expenses. It was made very clear that Discover had XXXX options for me other than if I paid late, I would incur additional fees and interest and my amount due would increase. I would also have charging or using the card be cut off. I explained again this was a financial hardship and was told in no uncertain terms that the next time any assistance would be available - not only a program, but any hardship, forebearance, payment arrangements- literally there was XXXX help until XX/XX/XXXX. Discover agents made it clear that my financial hardship would result in more penalties, fees, and interest. XXXX agent offered a credit to my account but out the payment in place 1 day after a due date - triggering late fees and penalties above and beyond any credit. I had to file multiple complaints to have anyone offer a late fee refund but at that point the financial penalty to me was already larger than any refund. When I called earlier today to speak with Discover, an agent went through my account and he reviewed all the notes and expressed dismay that there had been no help affered to me to help me stay current- it was all penalty on top of penalty until I could just not recover. No program, no hardship, no forebearance, no payment plans offered until eventually last month XXXX XXXX I was given an option that was again just prioritizing Discover be rewarded for these last several months of financial punishment. I agreed that it was super clear that Discover intended to make it as financially punishing as possible. I have filed complaint after complaint after complaint based on the very bizarre way Discover has handled this, handled credits, poor communication, agents scheduling payments to be put in late - and despite numerous complaints being filed on my behalf- it just continues to accumulate fees and interest and more financial benefit to Discover. The agent said earlier today that he could see I would have been eligible for assistance but was confused as to why it was not offered to me when it could have helped me stay current. I called back later today to document with discover that I was clearly told that I would have XXXX assistance in any way until XXXX of XXXX and the agent I spoke with said shed file a complaint on my behalf. She put me on hold to ask a supervisor if there was any assistance for me at this time and came back to report what I had heard before- the only options were those that ignore my prior complaints and maximize the amount that Discover is repaid - the same as if I stopped paying in XXXX and decided today I needed to call versus the last 6 months of complaints and requests for help.
03/17/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NJ
  • 07731
Web
On XX/XX/2018 I purchased a tablet, keyboard, and stylus and paid additional for expedited shipping online at XXXX. The cost of the tablet was {$500.00} and the cost of the expedited shipping was {$18.00}. The total purchase price was {$550.00}. I used XXXX to complete the purchase which was charged through my Discover Card. On XX/XX/2018 I received the keyboard and stylus but not the tablet. I contacted the merchant about not receiving the tablet and they claimed they were out of stock and that it would ship on XX/XX/XXXX. On XX/XX/XXXX the tablet still had not shipped and I contacted the merchant again and they stated the expected shipping date was now XX/XX/XXXX. On XX/XX/XXXX the tablet still had not shipped. I opened a claim with XXXX that I did not receive my entire order. The merchant provided to XXXX the shipping information for the keyboard and stylus only and XXXX chose to resolve in their favor. I then proceeded to open a claim with Discover Card. I provided them with complete documentation showing my correspondence with the merchant about not receiving the tablet and the merchant acknowledging they had not shipped the tablet. However, the merchant proceeded to provide the same shipping information to Discover that the keyboard and stylus were shipped and Discover resolved it in their favor as routine practice. I contacted Discover again on XX/XX/XXXX. Upon reviewing the documentation they claimed they would reopen the dispute as it was routine practice for them to resolve in the merchant 's favor as long as a tracking number was provided. They had not even bothered to inquire as to whether the entire shipment had been sent. I had explained to them numerous times that the keyboard and stylus that they shipped are useless without the tablet as they will not work with any other tablet. This is tantamount to purchasing a car and the dealer only giving you the keys to the car but never delivering the actual car. I had even offered to ship back the keyboard and stylus at the merchant 's expense since they were unable to provide the actual usable product which was the tablet. It has now been almost 4 months that I have been trying to resolve this through all the applicable channels through XXXX, XXXX, and Discover. All 3 companies have been extremely dishonest throughout the entire ordeal. For all they care, I could have been shipped an empty box with a tracking number and they continue to uphold the charge as valid. Also, because I opened a claim with my credit card company, the merchant has indicated they now have no intention of ever shipping the tablet. Basically I got scammed out of {$550.00} because the merchant knows how to game the system with the credit card companies.
07/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MA
  • 01821
Web
My XXXX XXXX XXXX XXXX used my personal information and applied for a Discover Card in XX/XX/XXXX. The card was issued to him in XX/XX/XXXX. He subsequently defaulted in making payments. I did not discover this until some time in XX/XX/XXXX when I was advised by my mortgage broker that I had an outstanding debt with Discover Card. I then lodged a dispute through XXXX Credit Bureau and I have also made numerous calls to Discover to remove this debt from my personal records as : 1. I never applied for the card, it was my son who made the application without my knowledge or consent ; 2. I was never contacted by Discover either by telephone, mail or email to verify my information or whether I made such an application ; 3. All the purchases o the card were made by my son without my knowledge or consent. Apart from calls, I have also written to Discover on XXXX XX/XX/XXXX a very long and detailed letter explaining the whole issue and requesting that they remove this debt from my financial records as it has adversely affected my Credit Score. Discover replied to my letter on XX/XX/XXXX in which they simply said that the account and balances are " considered valid '' and that they have reported my account to the Consumer Reporting Agencies as a '' disputed account ''. I followed up with more phone calls and Discover wrote to me on XXXX XX/XX/XXXX informing me that " unless you have new relevant information to substantiate your claim '' they will continued to report this account as a " disputed account '' to all the Credit Reporting Agencies. How can I produce evidence of a negative fact? Namely that I never applied for the card? Surely the onus is on them to make sure that the person whose name is used in the application for a credit card DID actually make the application? It should not be possible for someone to use another person 's information to get a credit card and one with such a high credit limit. I made more calls to them and their representative advised me to get my son to sign a notarised document confirming that he applied for the card using my name, that this was done without my consent or knowledge and that all the charges on the card were made by him. I finally managed to get my son to sign such a declaration which I got notarised and sent to Discover on XXXX XX/XX/XXXX. They sent me a reply on XXXX XX/XX/XXXX saying exactly the same thing namely that the '' the account and balance are considered valid '' As you can see, I am not getting anywhere with Discover after XXXX months going communication both by phone and letters and I am unable to get a mortgage to purchase a house. I will not be attaching any documents as all the documents have been submitted to Discover.
02/05/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IN
  • 46038
Web
On or about XX/XX/2021 XXXX was mailed a letter Notice of Dispute ; Demand for Validation and Proof of Claim. Stating Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract. XXXX sent consumer a letter XX/XX/2021 requesting that the reporting company DISCOVER BANK and XXXX XXXX verify the accuracy of the information being disputed. XXXX XXXX requests and demands from DISCOVER BANK & XXXX SERVICES verifiable proof of the " original instrument of indebtedness '' which is an original contract signed with wet ink between XXXX XXXX and DISCOVER BANK. XXXX XXXX also demands DISCOVER BANK & XXXX SERVICES to produce the account and general ledger statement showing the FULL ACCOUNTING of the alleged debt obligation DISCOVER BANK & XXXX SERVICES is attempting to collect ; signed and sworn by the person responsible with fiduciary duty to maintain these records associated with the account and having first hand- knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. Demanding the original instrument of indebtedness for visual inspection of XXXX XXXX original wet ink signature on the promissory note " application '' ( not a photo copy ). XXXX XXXX demands that DISCOVER BANK & XXXX SERVICES provide a statement admitting whether they are the holder in due course or whether DISCOVER BANK is the servicer. This is not an attempt to not pay or avoid payment, but a conditional acceptance upon proof of claim. XXXX XXXX would like to settle the matter upon conditions previously stated within this statement. XXXX provided a response letter XX/XX/2021 stating " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. '' In accordance with FCRA 611 ( a ) ( 7 ) This is NOT a request for a reinvestigation of the previous dispute. This is a request for a Method of Verification where the following items should be provided to ensure the validity and accuracy of the account ( s ) with DISCOVER BANK & XXXX SERVICES. Provide any and all documentation used to VERIFY account ( XXXX ). On XX/XX/2021 DISCOVER BANK & XXXX SERVICES sent a letter stating that they had completed the investigation and the items were not deleted, as requested. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), DISCOVER BANK & XXXX SERVICES is required to forward all of the relevant information XXXX XXXX provided in this CONDITIONAL ACCEPTANCE. Please provide consumer with all of the information XXXX used for their investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the items, as originally requested.
05/10/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CT
  • 061XX
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : DISCOVER FINANCIAL SER XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX
01/10/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 087XX
Web
This is now the seventh time I am reaching out about this same issue. There is a remaining balance on the credit card that DISCOVER closed because I had filed a dispute for identity theft against them. Remove and delete the remaining balance. There was no reason to close the card as I had exceptional and on time payments on the card for XXXX years. As a result, I got cut off from credit that I had been using to make several everyday payments that I was no longer able to make because my credit card was closed. Because every extension of credit originates from my social security, also known as my open end credit plan, I am the original creditor of every extension of credit and debt obligation. Therefore, I am deferring the debt back to DISCOVER who is misrepresenting me, the original creditor. DISCOVER claiming that they are the original creditor is XXXX, XXXX, and misrepresents me as a natural person and the original creditor who is giving DISCOVER life as a corporation. Pursuant to 15 U.S. Code 1692, " means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. '' Pursuant to 15 U.S. Code 1692a, " The term 'debt ' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. '' Notice, debt is an " alleged '' obligation. To " allege '' means to claim as true with or without proof. Pursuant to 15 U.S. Code 1692a, " The term 'consumer ' means any natural person obligated or allegedly obligated to pay. '' Again, as my social security is where all credit extensions and debt obligations originate, I am the original creditor. I am now deferring the debt back to DISCOVER. Pursuant to 15 U.S. Code 1692k, " Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; '' As DISCOVER has violated me, deceived, and abused me as a consumer, original creditor, and natural person, they are liable to compensate me for the violations made. Congress protects me under these laws as a natural person against corporations who abuse consumers like DISCOVER. Please remove the remaining balance from my account, report positively to consumer reporting agencies about the deleted debt, and compensate me in an amount equal to the sum of damages done to me.
06/24/2016 Yes
  • Credit card
  • Other
  • LA
  • 707XX
Web
Discover is reporting information on my credit file that is not only inaccurate but illegal. First of all they are reporting information different information between XXXX and XXXX. Secondly, I 've requested records for the history they are reporting and sent the request via certified mail, and they 've yet to reply. Thirdly, I 've disputed the information on 3 different occasions and they continue to verify and/or even add more illegal inaccurate information to the reporting rather than fixing the issue. I have complained to the CFPB on XXXX and XXXX for allowing the information to be reported and XXXX has stated that their job is to report whatever the furnisher tells them to report whether the information is inaccurate or not they ca n't change it unless Discover changes it. This has been ongoing now for years and has only come to my attention the last few months. This means that this information has cost me tons of money in interest on other accounts that have been opened since this reporting and is currently costing me credit denial. On XXXX XXXX, XXXX I sent a request to Discover via certified mail requesting billing statements because they were n't fixing the fixing the issue. I 've yet to hear from them to this day. They have been given ample opportunity to fix their reporting and instead have chosen to update with even more inaccurate information and plug more late payments in when they are not supposed to. You will see in the information provided as evidence the updating they 've done over the course of me disputing the information and how they 've changed and added information that is completely inaccurate. To me it looks as though they are doing this on purpose with intent to harm my scores and they 've cost me enough money and enough of my time. Discover charged the account off XX/XX/2011 and they continue to report the account as a charge off until XXXX XXXX where they then decide to plug in 180 day late payments for the next several months then report the account as a charge off again in XXXX XXXX with XXXX but with XXXX they report the account late in XX/XX/XXXX and XX/XX/XXXX the report the account as a charge off for a month, then go back to reporting the account as 180 days late then go back to reporting the account as a charge. Discover actually updated that information to XXXX when I disputed the account because originally they were only reporting the charge off in XX/XX/XXXX, then the 180 day late payments beginning XX/XX/XXXX and ending in XXXX XXXX then charged off again. BUT the most recent dispute, the updated the account to reflect 180 days late a second time after the they had already charged it off on two other occasions. All of this is Ludacris.
07/13/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 12303
Web
I bought XXXX XXXX tickets in XXXX for my family to fly to XXXX. We were charged {$990.00}. I disputed the charges as we were restricted by NYS to fly to XXXX in late XXXX XXXX XXXX and XXXX was closed. We received our money back from every vendor except XXXX. I disputed the charges with discover and my account at the time had a {$0.00} balance. Discover immediately issued a temporary credit for the full disputed amount ( {$990.00} ). My account then had a negative balance for - {$990.00} and Discover never received any information or documents from XXXX showing that the charges were valid or approved by me or any services rendered. They initially ruled in XXXX 's favor ( without receiving any documents from XXXX ) and charged the money back to my account bringing the balance to {$0.00}. However, they also sent me a check for {$990.00} and before I cashed the check, they immediately applied another charge to my account for {$990.00}. I then called back and asked to talk to a supervisors supervisor. No one every called me back. I would call in numerous times and ask for multiple call backs and have never received one. I also uploaded supporting documentation about XXXX 's voucher policy and that my voucher balance didn't add up to the original purchase amount. A woman from Discover credited me {$180.00} and told me she would look into refunding me the remaining balance. She never called me back and when I called discover back to explain what happened they told me I needed to provide more documentation for my dispute. However, at this point, Discover still never reached out or heard anything from XXXX. When I told them I was never asked for this information previously and the representative told me she was looking into getting me my money back, they just acted as if that call never happened and when I asked them to pull those call records they refused. I was then told and guaranteed by a representative in the fraud department that if I claimed the charges were fraud that Discover guaranteed multiple times I would receive all my money back. After I submitted the fraud claim, discover refunded me additional money so my balance was around {$600.00} on the account down from the original {$990.00}. I kept calling to see when the remaining balance would be refunded and I was told it would take 10 days. I would consistently call and ask for a manager to call me back and no one would ever call. Now my balance, which originally started at {$0.00}, has no grown to {$1500.00}. I haven't made any additional purchases on this account during this entire process, except one charge for {$0.00} for my XXXX data storage. This is fraud for a company to add an additional balance to my account.
01/12/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 087XX
Web
This is now the eighth time I am reaching out about this same issue. There is a remaining balance on the credit card that DISCOVER closed because I had filed a dispute for identity theft against them. Remove and delete the remaining balance. There was no reason to close the card as I had exceptional and on time payments on the card for two years. As a result, I got cut off from credit that I had been using to make several everyday payments that I was no longer able to make because my credit card was closed. Because every extension of credit originates from my social security, also known as my open end credit plan, I am the original creditor of every extension of credit and debt obligation. Therefore, I am deferring the debt back to DISCOVER who is misrepresenting me, the original creditor. DISCOVER claiming that they are the original creditor is abusive, deceptive, and misrepresents me as a natural person and the original creditor who is giving DISCOVER life as a corporation. Pursuant to 15 U.S. Code 1692, " means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. '' Pursuant to 15 U.S. Code 1692a, " The term 'debt ' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. '' Notice, debt is an " alleged '' obligation. To " allege '' means to claim as true with or without proof. Pursuant to 15 U.S. Code 1692a, " The term 'consumer ' means any natural person obligated or allegedly obligated to pay. '' Again, as my social security is where all credit extensions and debt obligations originate, I am the original creditor. I am now deferring the debt back to DISCOVER. Pursuant to 15 U.S. Code 1692k, " Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; '' As DISCOVER has violated me, deceived, and abused me as a consumer, original creditor, and natural person, they are liable to compensate me for the violations made. Congress protects me under these laws as a natural person against corporations who abuse consumers like DISCOVER. Please remove the remaining balance from my account, report positively to consumer reporting agencies about the deleted debt, and compensate me in an amount equal to the sum of damages done to me.
09/10/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MS
  • 389XX
Web
Discover Financial Services Customer Service Department XXXX XXXX XXXX XXXX XXXX, IL XXXX Dear Discover Financial Services, I hope this letter finds you well. I am writing to bring to your attention an important matter regarding my Discover account, specifically in reference to the statement dated XXXX. I have highlighted a statement from this billing statement that has led me to believe that I am entitled to a refund of the credit balance on my account. **Statement Attached** The highlighted statement reads as follows : " If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of {$1.00} or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. '' Based on this statement, it is my understanding that I am owed a refund of the credit balance that is currently displayed on the front of my billing statement. I would like to request that this refund for the attached statement be immediately applied to my account. Additionally, I wish to discuss a more substantial matter concerning my account. Instead of receiving a physical check through the mail for the refund of the statements, I would like to propose an alternative solution. I kindly request that all of my previous statements be reviewed and the credit balances from those statements be totaled. I would like this total to be applied as an increase to my credit limit on my Discover account. To expedite the resolution of this matter, I am requesting that Discover Financial Services contact me within 24 hours of receiving this letter by email, which will be sent via priority mail and will be tracked for your reference. I trust that this issue can be resolved promptly and amicably. However, if this matter is not addressed in a timely manner, I will have no choice but to pursue legal action to ensure my rights are upheld. Should we opt for arbitration and I emerge victorious in court, it's worth noting that I could potentially be awarded 1 % of the company 's net worth as compensation. However, I believe it is in everyone 's best interest to resolve this matter amicably and expeditiously, which would entirely eliminate the need for such legal proceedings. I am also willing to sign a nondisclosure agreement to keep this matter from the ears of the public. Thank you for your prompt attention to this matter. I look forward to a swift resolution and request that you update me on the progress as soon as possible.
09/14/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TN
  • 37207
Web
On XX/XX/XXXX I made a purchase of {$3600.00} to XXXX XXXX for XXXX XXXX XXXX XXXX equipment that were described by the merchant as " Used & Working ''. On XX/XX/XXXX I received the pallets with the merchandise and inspected them to find that the condition was not used & working. The merchandise was missing crucial components required to properly function and what I received was salvage grade ( junk ) merchandise. In the subsequent days I called the merchant to try to find some recourse but received no response. In response on XX/XX/XXXX I called Discover to file a dispute as the merchandise I received was significantly not as described. Initially Discover issued a credit back to my account and I thought the matter was settled. However, as of XX/XX/XXXX, Discover reversed this credit and I have been scammed out of my money and have been left with a bunch of junk. Because Discover was unhelpful, I filed a complaint with the CFPB shortly after which you can find filed as complaint XXXX. Initially this complaint filing was met with cooperation from Discover, they reversed the charge again, however as of the beginning of XX/XX/XXXX the amount was reposted to my account and I expected to receive a letter as I was told that I would have the ability to provide supporting documents including my attempts to call XXXX XXXX ( the merchant ) following the delivery of the not as described goods, but no such letter was sent to me. To add to the matter, Discover has now decided to close my account completely. I have paid every month on time and in full prior to this negative experience with the XXXX XXXX order. This is the first time that I've disputed any charge with Discover and they have been wholly unhelpful despite touting their " {$0.00} Fraud Liability Guarantee means that you're never responsible for unauthorized purchases on your Discover Card account. '' So my entire line of credit with Discover has been shut down because I asked for their help in handling a fraudulent transaction where I have been sent goods that have been wholly misrepresented, a situation which certainly warrants fraud protection from the credit company with which the goods were purchased. This action is in direct violation of the federal Equal Credit Opportunity Act, which " prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
09/07/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MI
  • 48103
Web
Pursuant to 15 U.S.C. 1693f, I hereby demand that your financial services institution remit reproductions of any and all documents/materials used to substantiate the conclusion that a billing error did, or did not, occurr. [ Background ] My mother made an ACH payment authorization to have funds debited from her bank account to pay on my statement. The authorization took place on or around XXXX XX/XX/2022 and was returned with XXXX -- unable to locate. This is a distinct error code from XXXX -- NSF, XXXX -- closed account, or XXXX -- invalid account number. I filed a billing error notice within the sixty ( 60 ) day period. XXXX XXXX, in Discover Executive Office of XXXX XXXX, conducted an investigation. In a follow-up conversation he conceded that when comparing the supplied account information disclosed with the live agent, he was ony able to match the last four ( 4 ) digits of the account being debited. That is, whomever, and through whatever investigatory process he recieved the transaction information from, it/they provided him only with the last four ( 4 ) digits of the account number to match against the phone-based ACH authorization with a live agent that occurred on XXXX XX/XX/2022. And, although he was given the full routing number for the financial services institution, he was not provided with the first name and last name as keyed into the XXXX authorization by the live agent. This is troubling as the error could be on the part of Discover and its live agent. The investigator was not provided with that information. The steps in the billing error process are quite clear. 15 U.S.C. 1693f ( d ), " Absence of error ; finding ; explanation, '' states ''If the financial institution determines after its investigation pursuant to subsection ( a ) or ( c ) that an error did not occur, it shall deliver or mail to the consumer an explanation of its findings within 3 business days after the conclusion of its investigation, and upon request of the consumer promptly deliver or mail to the consumer reproductions of all documents which the financial institution relied on to conclude that such error did not occur. The financial institution shall include notice of the right to request reproductions with the explanation of its findings. '' XXXX XXXX resonded to CFPB complaint XXXX with a copy and paste summary -- there were no documents attached. XXXX XXXX XXXX, as agent for Discover, is knowfully and willfully violating 15 U.S.C. 1693f ( d ), or he has no docunentation to indicate a reasonable billing error invesigation was conducted. If you refuse my demands, I will pass this matter along to my attorney and file a complaint with DOJ : US Attorneys Office for my district.
09/07/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • CO
  • 80014
Web
As part of a house purchase I needed to sell stocks in various broker accounts and aggregate them in a bank account. Our title company requires us to to a Federal Reserve Wire. Since this is a large amount and might be an usual transaction I called my bank Discover Bank on XX/XX/XXXX to confirm whether I can make 1 ) a Federal Reserve Wire, 2 ) that I will be moving a large amount of money ( about XXXX ) into the account and use for a downpayment and whether there are limitations that would apply. At the time my account had about {$39000.00} in it. I was told, that despite the account being a savings account, that I should not have any problems doing a wire for a downpayment on a house and that the only restrictions are the 6 transactions per month. Based on this information I sold stocks in XXXX XXXX and XXXX and made large transfers into the Dsicover account. The most significant ones being from XXXX : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and from XXXX XXXX : XXXX on XX/XX/XXXX. On Friday XX/XX/XXXX I initiated a transfer to the Title company of $ XXXX. Later that day I received a message from Discover to verify the wire by calling them, which I did. They said the wire will go through a security review and should transfer on XX/XX/XXXX. On XX/XX/XXXX the wire did not happen and upon my request and after talking with multiple representatives and managers I was told that my account had been flagged, specifically the XXXX deposits as being irregular and potentially fraud. To protect me, their client, and themselves, the money will be on HOLD until XX/XX/XXXX. Eventually I was told I could access {$61000.00}, but that would not be sufficient for the downpayment on the house purchase I was doing. I explained that I specifically informed the bank of these transactions and was given a green light and that this puts me into a financially very difficult position and we will likely loose the house were trying to buy. Also, the money has already been in the account for 2 weeks and Ive moved money from and to XXXX from this account before. Furthermore I was also suggested to review holding periods in Discovers terms, but the longest period I could find was up to 10 business days. I offered Discover to provide them with statements or anything they want to verify that the money is mine, Ive also been with them since XXXX, so they know my account and they know the XXXX account I move money from and to. The people I worked with were polite and nice, but there was no viable option offered as a solution. We also talked about closing the account, cashiers checks and ACH transactions, but all of them would not allow the full amount to be released until XX/XX/XXXX.
01/01/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • OR
  • XXXXX
Web
complaint reference code XXXX discover checking account was blocked every time I tried to transfer funds from/to one of the previously linked checking or saving account to the discover XXXX or a real checking account Discover does not offer any real checking account, since a real checking account should be able to send and receive funds transfers from previusly linked external checking/saving accounts without a account block after each transaction The entire web internet is currently making fun of them since discover block/freezes the discover checking account if 1 there is a funds transfer credit, started from a previously linked external checking/saving account registered under the same name 2 there is a funds transfer debit, started from a previously linked external checking/saving account registered under the same name 3 there is a funds transfer credit, started from discover and pulled from the previusly linked checking/saving registered under the same name 4 there is a funds transfer debit, started from discover and pushed to the previusly linked checking/saving registered under the same name 5 if a customer does not use the debit card for a certain period of time and suddently starts tto use the debit card also for low amounts, then again discover blocks the checking account The bank is not normal, they even have a separate page were customer can upload the document id to confirm identity unlimited times and they name the page " secure page or secure upload or whatever '' I have uploaded my document id twice already t The first time they unblocked the checking account, but the account was blocked again when I tried to deposit funds to discover with a funds transfer from a previously linked checking/saving account registered under the same same, my name, as indicated above The banks need to make up their minds they have to decide if they want to operate n the internet or if are unable to operate on the web, they should work put the web only, offline, they don't have the permission to waste customers valuable time, with their strange procedures The result of their strange procedures can be found on the internet, the entire web is making fun of the so called bank The checking accounts was probably closed without notice, not even a simple email, maybe they are unable to type a email, because they need the help of the hight tech technology, the nasa, to be able to send email notifications I had funds in the checking account that were not refunded perhaps, they still trying to send a sms to the email adress registered on the discover checking account? good luck I will tell to each person that I know. that discover blocks checking accounts With no real reason
11/18/2015 Yes
  • Credit card
  • Rewards
  • DE
  • 19711
Web
Discover Card announced the XXXX XXXX " promotion '' on XXXX XXXX 2015. The promotion promised " [ f ] rom XXXX XXXX, to the end of the year, cardmembers who pay with their Discover card using XXXX Pay will automatically earn an extra 10 % XXXX XXXX on up to {$10000.00} of in-store purchases. '' ( XXXX ) The details in their FAQ stated " Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with Apple Pay now through XXXX/XXXX/15. No sign up needed. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within 2 billing periods. See Cashback Bonus Program Terms and Conditions for more information. " The " Cashback Bonus '' terms incorporated by reference are quite straightforward with few caveats and available at : XXXXThere were no additional terms or conditions specified in any public documentation for the offer. Discover confirmed via customer service channels that the promotion was valid for all in-store purchases and stacked with their existing " Double All Cash Back Your First Year '' promotion that promises all cashback bonuses doubled for 12 months ( with rewards posting in the XXXX or XXXX billing cycle ) making the total bonus XXXX %. On or around XXXX XXXX 2015, Discover unilaterally added a sentence to some ( but not all ) public-facing content about the promotion stating simply " Excludes gift cards. " I have made many purchases using my Discover card with XXXX XXXX, and received emails stating " We 're writing to let you know that your XXXX purchase on XXXX XXXX, 2015 for {$500.00} at XXXX XXXX 's, A XXXX included a gift card. The gift card portion of your purchase does not qualify for the XXXX % Cashback Bonus ( R ) promotion. '' and " If you disagree with our finding and contend that your purchase did not include a gift card or a portion of your purchase qualifies per the terms of the promotion, let us know with supporting documentation in the next 21 days. Documentation can include store receipts or invoices, but can not include your Discover card statement. " Nowhere in the original terms of the offer were gift cards excluded, and after the terms were modified ( which does not seem correct ), they did not say anything about requiring " documentation '' proving anything. To add insult to injury the transactions highlighted in the emails did not contain gift cards. When I asked Discover to honor the terms of their promotion, they refused and stated that I must provide receipts or authorize the merchant to provide receipts to them. Their request would constitute an invasion of privacy and they are still not honoring the terms of their promotion.
02/19/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 936XX
Web
Last fall our card was charged with a very large transaction ( almost {$3000.00} ). I was only notified of a suspicious charge by email. Unfortunately this email doesnt go to my phone ( though the cc company also has my cell number and did not send a text ). I didnt get the email until the next morning. When I called the company about it, they claimed a call came in minutes after sending out the email, from a person claiming to be me that said, let the transaction go through ( Problem # 1 ) Now when I called, I had to give all kinds of identifying information that no one but myself or my wife would know, so how could that be?? ( Problem # 2 ) They closed the card, said they would send out a new one. I checked back numerous times to make sure the fraud charge was removed on my online account. One of those time, it occurred to me to change my contact email so I could be reached more efficiently since they didnt text me. Lo and behold, in the address section there was an unrecognizable address! Someone, these same perpetrators, somehow, had logged in!!! And changed my address! In addition, I realized the service person I had spoken with about the initial fraud NEVER verified my address before sending a new card out! Ive had cards sent before, sometimes for reasons I dont understand, my credit card companies say its been compromised, but dont expand and change out card, but always verify our address ... this person did not. Well now at least we had an address for the criminals!! When we called the fraud department we asked if they were going to go after them, report them, etc ... No, thats not our job What?? ( Problem # 3 ) We decided once we get the card paid off, we are closing this account, because they do not take their security strongly. Unfortunately, in XXXX when it was paid, we had a large credit to the account. A purchase from the fall of a curriculum subscription that wasnt supposed to start until XXXX needed to be credited back. I told them the account had changed ( the curriculum company ) and they said by law, it still has to credit to the same account for 6 Months. Well, it didnt credit to our account. I finally contacted Discover, they looked it up and said, oh, yeah ... a credit came in on XX/XX/XXXX for {$190.00} to your old account. ( It was XXXX, by the way! ) You have to request that that be transferred over to your new account ( it all has the same balance by the way ). We can do that. It will take 3-5 days. It is now XX/XX/XXXX. The credit has still not come through. I contacted them again. They are checking on it. My account is paid off. This is money I have paid to Discover and XXXX XXXX has credited back to me and I cant get my own money.
08/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • UT
  • 84043
Web
In early XXXX I received a call to serve as a XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 2 years in the interior of XXXX XXXX XXXX. Because of the unique requirements and difficulties of missionary service, I knew that I would not have access to a computer, or the internet. At that time I decided to close my Discover Credit Card Account, knowing that I would not need it, and that I would not be able to see or access statements, or in anyway communicate with Discover. I then called Discover, and informed them that I wanted to close my account for the reasons stated above. The customer service agent responded by encouraging me to freeze my account, instead of closing it, to avoid damage to my credit and giving me the option of unfreezing my card when I returned to the United States. I asked the Customer Service representative twice if my card could be charged in anyway, and he affirmed that having the card frozen would be essentially the same as having the card cancelled. I then decided to freeze my card because of the promise given to me by Discover before I started missionary service in XXXX of XXXX. In late XXXX my father, out of an abundance of caution accessed my credit card account with information that I had provided him to check on my credit card accounts. He found that discover had posted charged to my card well after the card had been frozen. We contacted Discover, found that they were residual charges that had been posted months after I had no more access to a computer, and resolved the issue. In Early XXXX I became aware of credit card charges that had again been posted to my frozen card by seeing that they had significantly impacting my credit score, causing it to drop by around 100 points. We again contacted Discover to explain that these were not charges that I had agreed too, ( they probably resulted from some XXXX subscription activated by accident by my younger brother while I was in XXXX ) that my card had been frozen under the idea that this couldn't happen, and that my credit score had been damaged. Discover recommended that we enter into a dispute against the charges, saying that was the only way we could have them removed. We tried that, explained what had happened, but received no resolution. I had too instead pay the charges, and live with the damage to my credit score. The charges were small amounts, less that {$30.00}, and I was happy to pay them, even if they were only charged because of a predatory subscription system without my consent and because of bad information given to me by Discover employees, but I do wish the damage done to my credit score to be resolved, as this issue is still negatively effecting me.
03/17/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NV
  • 89117
Web
XXXX Have a sales rep from Discover til me to open Business Discover Card as it's better for business owners. I said I have great credit and confirmed it will not be reported on personal and is true Business Card reported on my ein. The rep said it would not. 2 weeks I see my credit has gone down from XXXX to XXXX XXXX Inform Discover Business its being reported on my personal and new rep states he is not aware of how that works and I let it go XX/XX/XXXX *Discover Business account has log in problems and balances do not seem accurate Call Discover Business to ask XXXX released deposit hold and no charges were made from them. Rep confirms no charges are on from XXXX XXXX Call to confirm no charges were placed from XXXX. XXXX says no charges were placed XX/XX/XXXX I finally able to log-in and see had transaction from XXXX for XXXX placed which was mistake as Insurance had paid them directly, Call Discover to start dispute XXXX Call Discover to confirm on dispute for XXXX double billing and and to open dispute for merchant that had gotten me sick from health code violations. -Discover rep is constant giving me misleading info and ask to speak with his XXXX. He continues to argue and tell him I am sick ask him please to pass me to his supervisor as it's difficultfor me to talk. He keeps me on hold for long periods of time and we get into argument. XXXX After getting no help and being misled, Call Discover Baxk to ask about my current balance for payoff and now getting different answers conflicting and ask to speak with supervisor for commutation of many direct matters from misleading sales reps, in accurate information, log in issues. I said this is illegal and as consumer and shareholder of 4 years demand a call back from executive office. XXXX Get letter with no warrant outside I was being rude that Discover is closing both my accounts. I speak with someone finally in executive office and the investigator has no facts or knowledge of what actually transpired. I let them know I been great customer of consumer card and was misled into signing up for Discover Business and the reps in Discover Business are very unknowledgable and often contradicting what another reps says. I signed up for Discover Business to help my business not only did effect credit as consumer but never get honest answer. I have had many credit cards including Discover Consumer and never been misled to this degree. Them closing both my accounts will only damage my credit and in statements made by rep feel this is retaliatory against my credit and grounds for defamation. If I did not have near perfect score and looking to buy house and feel this threat and illegal as credit card and bank.
01/24/2017 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't decrease my monthly payments
  • AZ
  • 852XX
Web
I graduated from XXXX in XX/XX/XXXX. I did not find meaningful employment right away for not passing the XXXX. I became unemployed in XX/XX/XXXX due to the financial crisis but found employment again in XX/XX/XXXX. In XX/XX/XXXX, because of excessive debt, I filed for Bankruptcy protection ( Ch. XXXX ) and one of my student loans was discharged ( because it did not have a separate guarantor ). In XX/XX/XXXX, I took and passed a XXXX though my income is not what most graduates 13 years removed from XXXX make. I have been attempting to pay my private student loans ( Discover Financial ) monthly and since graduating XXXX, have had my federal student loans on deferment ( continuing to accrue interest ). My XXXX accounts with them ( now totaling {$25000.00} down from {$40000.00} ) where I have paid substantially more interest than principal since graduating more than a decade ago, are now hovering between 120 and 150 days past due. I have repeatedly asked Discover to help me modify the notes and restructure payments so that I can begin paying my federal loans too where the balance is almost {$89000.00}. Discover Financial continues to deny that request when I call every two weeks and seem more interested in letting my loans go into full default so that they can make a claim on the insurance policies they have for these XXXX loans. Such a default will make Discover ( or XXXX the original lender ) whole though it will undeniably subject me to harassing collection calls ( anticipated to be XXXX XXXX XXXX ) and litigation, with a judgment inevitably entered against me or my elderly parents ( guarantors ) who have no steady income or ability to repay as they ride our retirement. I am begging for assistance from the insurance company XXXX XXXX ( operating as XXXX XXXX XXXX ) though I am not getting any cooperation from them either. Any assistance you may bring against these companies would be appreciated. Related, I would like to point out that Discover deceptively omits a borrower 's ability to pay less than the total amount due and outstanding in their mailed statements ( which I never receive anymore ) and through their online portal and website. Each time a borrower logs in, every screen including the PDF versions of their statements indicates that the entire past due balance must be paid. That would be true to bring it current though it would not be true to keep it from charging off. In my case, a payment of about {$230.00} per loan every 30 days will prevent charge off and a subsequent claim upon the insurer. However, each time I call, and each time I log in, I 'm told I have to pay about {$2300.00}. This sounds like a UDAAP violation to me worth of redress.
02/07/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • WI
  • 54902
Web Servicemember
On XXXX XXXX I made 2- {$400.00} payments to Discover card through their Discover App. My checking account through XXXX XXXX XXXX XXXX is Direct Linked so I can make payments. XX/XX/XXXX, the first payment of {$400.00} posted and on XX/XX/XXXX the XXXX payment posted from my checking account. I checked the Discover card account and despite them having debited the money they only showed the payment deduction for the XXXX. Mind you both are labeled Discover XXXX XXXXXXXX XXXX on the bank statement to show the deduction. On XX/XX/XXXX, I contacted the Web messaging assistant via the Discover App and was connected with XXXX in XXXX XXXX XXXX. XXXX assured me that the payment had posted and would be credited to the account and would send me a confirmation e-mail. The confirmation e-mail never arrived. Later that morning I contacted them a second time and was connected to XXXX in Ohio. She said I should receive a confirmation number for all payments, and I informed her that when paid through the app it doesn't give one. She said it takes XXXX days to post and we were beyond that point already. On XX/XX/XXXX I filed a missing payment dispute for the missing {$400.00} payment via their website and provided the dates and times and banking information plus uploaded documentation. On XX/XX/XXXX I faxed a copy of my bank showing the labeled payment withdrawals on XX/XX/XXXX for {$400.00} and the XXXX for {$400.00} each and my account message from XXXX XXXX XXXX XXXX providing both the ACH numbers for them. I contacted Discover Messaging again to verify that the fax was received and was told they work faxes in the order in which they are received. They then reversed the temporary credit of {$400.00} and closed my dispute despite it not being resolved. On XX/XX/XXXX, I contacted Discover messaging again and requested to be connected with a supervisor and was told none were available and it could take up to24-48 business hours. Later in the day on XX/XX/XXXX, I was messaged by XXXX in the Delaware XXXX who told me 2 payments of {$400.00} were recently posted to my account- he did not give any dates he also admitted to receiving the fax. Upon checking my account, they still haven't posted the 2nd {$400.00} or deducted it from my total in my account. My account currently only shows the payment from the XXXX so the posted payment from my bank account on the XXXX hasn't been applied. Current total shows {$860.00} instead of the correct {$460.00} ( if they had applied the missing {$400.00} payment ). All applicable bank statements, e-mail, and screen shots of messages including the false claim that they applied the payment when they did not will be attached.
07/14/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • IA
  • XXXXX
Web
( paid before it was due online ) XX/XX/2018-i paid {$50.00} to Discover ( I am XXXX and am having problems with my bills, so I got legal advice that said to pay them something and pay on time ) { also, they previously not only let me go over luimit, but apparently confused me about things including about what was owed and " we '' thought I also had a 18 deferred interest rate aswell-note : someone helped me apply for this card originally because they thougt the 5 % ,3 % etc onpurcahese would be a good thing And Help My Credit, but apparently those purchases got 'fudged ' and it was never clear what actually qualified } Then they kept trying to get me to get aloan with them even I wasn't paying it off, but paying what they asked ( which was harder and harder and it kept going up even before a year ) and there were purchase I didn't make, but didn't know how ot dispute. Anyway, i went to frreelegal help and they said to pay at least {$50.00}. ( tried to pay before it was due as well ) XX/XX/2018-i tried to pay {$50.00}. They wouldn't let me and I saw that they said I not only didn't pay in XXXX, but that I was also late. ( which apparently causeing problems with my credit now ) I have never been late on this card, we even made pre payments in the months before due { .example :. I paid them in late XXXX on a bill due in XXXX. } so I kept trying to pay them and they wouldn't let me. Then they started putting up options-like pay this amount for 12 months at different %, etc. So even though {$130.00} was too high, it was best option, even if it wasn't. I had too not pay on another bill for home needs. Then I started getting emails that my credit score had been changed and that there was activity on it. Which others were trying to keep from happening. XX/XX/2018-i went on to try and pay the again and they said min due was almost {$400.00} and that I was still late, and it was keeping me from paying the ' {$130.00} payments they bullied me into paying in XXXX ' Some chat person came on and I told them I have never been late and thety started condescending me again and not answereing my questions again. I finally, just said, well I guess im niot paying you and I will be respoprting you to XXXX, etc and also that I guess ill have to have the Debt creditr people help me now. ALL I wanted was tio have beter credit and to just live and be a good American. They left me no choice. now I have tio have a debvt consolidation company come in ( I really don't even owe them most of what they say-most is interest and other'possible fraud ' of someone else. I need help, they has caused me XXXX XXXX XXXX, etc. They have made the Credit reporting people now destroy my credit.
08/15/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77044
Web
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, DISCOVER BANK failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. DISCOVER BANK Account Number : XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. DISCOVER BANK Account Number : XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge. On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
12/11/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • CA
  • 95121
Web
To Whom It Might Concern : I have a complaint against Discover Bank, located in XXXX XXXX XXXX at Utah. -- -- -- -- -- -- - Short History -- -- -- -- -- -- -- -- -- -- -- -- - 1. My name is XXXX XXXX You can reach me at ( XXXX ) XXXX. 2. On XX/XX/XXXX and XX/XX/2018, i made a mistake. I issued an ACH transfer twice, and each time an amount of {$1100.00} was subtracted from my checking account at Discover Bank to pay my Visa credit card balance at XXXX XXXX XXXX. 3. As the 2nd time of withdrawal, my account was bounced. Insufficient fee of < $ XXXX> was charged on XX/XX/18 and an amount of {$1100.00} was returned to my account on the same date ( Of course! ) -- -- -- -- -- -- - Important information below -- -- -- -- -- -- -- -- 4. On XX/XX/2018, without my request, Discover went out and debited the same amount of {$1100.00} from my checking account in attempt to pay my credit card at XXXX XXXX XXXX FOR THE 3rd TIME!!!!!. Note : The payment has NEVER taken place ....!!! because that there was NOT enough money in the account, ( that would result with a balance of < $ XXXX>. Please see attachment ) 5. On this date, There were 2 systematic errors : 1st error : the NSF has never recorded. 2nd error : It should reimburse me back the money of {$1100.00} that it took away from my checking account. 6. So on XX/XX/2018. I called in, asked them why trying to pay a 3rd time, and I disputed the amount of {$1100.00}. 7. So, The dispute went on investigation. And amazingly, Discover said the transfer made on XX/XX/2018 was VALID. So on XX/XX/XXXX, Discover came back and took back the disputed amount of {$1100.00}!!!! XX/XX/XXXX, I called XXXX XXXX XXXX to make sure and have them verified that they never received any money from Discover any time on or after XX/XX/2018! The trace that Discover people gave me was XXXX that was for the transfer on XX/XX/XXXX indeed! To DISCOVER BANK : If their investigation was GOOD by saying the transfer on XX/XX/XXXX was valid. What is its VALID trace ID? and where the money went after it got debited from my checking account? Finally, on XX/XX/2018. A rep at XXXX XXXX XXXX ( Mr XXXX at Illinois ) set up a conference call and we talked to two reps at Discover Bank ( XXXX and XXXX @ XXXX XXXX XXXX ). On the phone, XXXX XXXX verified that they did NOT receive any money from Discover on or after XX/XX/2018. Discover now back to investigation again! XXXX # XXXX Discover bank has been taking 2 months to investigate. That transfer from Discover to XXXX XXXX has never taken place! So, Return the money to me! Please help me to recover my money from Discover Bank. I appreciate your intervention and your help! Sincerely, XXXX XXXX.
07/24/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • CA
  • 95126
Web
On XX/XX/XXXX, I called Discover Bank to reorder a new debit card. When I called, I was transferred to the fraud and security department. I spoke the representative there and she asked me about a check that deposited. I stated that I did make that deposit in error. I accidentally did a mobile deposit twice with the same check. They both were for the same amount. It was an honest mistake and I expressed that to the representative. She took care of the issue but my account was negative. I just started a new job and my first paycheck would cover the negative balance. She agreed. I asked if I could have a replacement debit card. She placed an order to have my new debit card delivered to me by Tuesday, XX/XX/XXXX. Today, Tuesday, XX/XX/XXXX, I got various emails from Discover Bank. One telling me that I was being unenrolled in e-statements and that I had to detach external accounts from the account. I called Discover Bank and was transferred to the fraud and security department. I verified my account and was then told that my account was closed due to fraudulent activity. I told the person, I just spoke to someone from the same department on Saturday and they didnt tell me this. I asked the agent, who I'm currently on the phone with, " When did the account close? '' They replied, " Today Tuesday, XX/XX/XXXX around XXXX XXXX '' When I asked very reasonable questions like, " What transaction triggered the account '' or " Is there a corporate phone number I can call? '' or " Why did Discover Bank close my account when they overnighted me a debit card? ", I was stonewalled with the response, " Because the account is closed, I am unable to discuss the account. '' I would like the CFPB to do everything in their power to get the truth from Discover Bank on why my account was being closed. Especially since they mailed me out a new debit card, which was delivered on the expected due date. I was such a good customer with Discover Bank, that they send me a gift of a brand new duffle bag when I told one of the agents that I was going on a trip. Discover Bank said that it was a " Business Decision '' to close my account. I don't believe that. And hopefully, after the CFPB 's inquiry, I'll have the real reason and not a computer-generated daisy chain lased explanation in generic terminology of why my account was closed. I am starting to believe that Discover Bank is hiding behind the disambiguation phrase " business decision '' for other intentions that might be happening to other consumers. Because if my account was closed for " Business Decision '' why did they overnight my a new debit card and then wait 72 hours to determine my account was subjected to being closed.
04/24/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • IL
  • 60056
Web
On XX/XX/XXXX, I called to pay in full the balance on my secured card issued by Discover bank and upon payment in full close the account due to a transaction problem that I had experienced with Discover on the same day. The customer service agent took my payment and closed the account, she further advised me that once I see the funds cleared at my bank I need to call back Discover to set the process of returning the security deposit back to me. On XX/XX/XXXX, I checked my back account and the funds paid to Discover had been cleared at my bank. As instructed by the customer service agent on XX/XX/XXXX, I called back Discover. The customer service agent who I spoke with in order to get my funds returned to me informed me that my security deposit will be returned to me after 2 months. There are two problems that I see with this practice. The first, issue is that a secured card also known as a prepaid card is not a credit card in sense that no credit is extended for the funding of the account. The account is 100 % funded by the client, therefore, the account by its nature is no different than a checking or a saving account open with a financial institution. Discover Bank does not extend or make available any funds other than the funds fully invested by the client. Ergo, closing a secured card is similar to closing a checking/saving account where funds in the closed account are paid back to the client at the time the account is closed. Second, what legal justification does Discover Bank have for the unreasonable hold time on the funds for entire 2 months? Regulation CC clearly sets rules on how quickly banks need to release clients funds. If for the sake of the argument we assume that Discover Bank release of funds falls under certain circumstances known as exceptions and lets assume that the exception applies, the bank may only hold the funds for a reasonable amount of time. Although, that time is not specifically defined, it is usually accepted to be no longer than 5 business days. Therefore, Discover Bank 2 -months hold on funds shall not only be found unreasonable but also illegal. Lastly, during the 2-months hold of funds, Discover is clearly profiting one way or the other from the funds - either as keeping the funds in an interest-bearing account accumulating interest from the funds ( while not paying any interest to the client whose funds Discover bank is illegally holding ), or by landing the money to other borrowers. Irrefutably, there is a financial and ethical misconduct on behalf of Discover Bank. This practice is manipulative and it is clearly designed for profiteering by abusive hold of funds. XXXX XXXX Discover Card number ending XXXX
04/30/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30022
Web
On XX/XX/XXXX, my girlfriend and I purchased a real estate course/coaching program costing us {$41000.00}. I personally used 5 credit cards, XXXX XXXX ( {$3600.00} ), XXXX ( {$6000.00} ), XXXX XXXX ( {$10000.00} ), Discover ( {$720.00} ), XXXX XXXX ( {$8000.00} ). The remaining costs were covered by my girlfriend through her credit cards. On XX/XX/XXXX the company that I bought this program through, XXXX XXXX and its related entities, were placed into a Receivership and an injunction was filled against them. The injunction orders Ban on real estate-related investing or selling products and services and business coaching programs and therefore anything that I purchased through this company is no longer available to me and nothing will be delivered as agreed. As you can see this injunction was filled 5 months after my original purchase date ( XX/XX/XXXX ) and I no longer will receive all that was agreed on in the purchase agreement. Please visit XXXX for all paperwork and full documentation regarding this matter. On XX/XX/XXXX I sent a letter to XXXX XXXX in regards to this billing error with the same paper work that is attached to this current request. On XX/XX/XXXX I received a response from XXXX XXXX stating that my dispute had been declined and closed, quoting " to preserve your dispute rights, you must contact us within 60 days after the error appeared on your statement. '' as you can see, I had no control on when this happened. In addition, my girlfriend used her XXXX XXXX card for an amount {$10000.00} for the program and her case was resolved and cleared. Her dispute included the same paperwork and was put in the mail at the same time as mine. On XX/XX/XXXX I sent a letter to Discover in regards to this billing error with the same paper work that is attached to this current request. on XX/XX/XXXX I received a response from Discover stating that my dispute was against my favor and considered this charge to be valid. Furthermore, all of my other credit card disputes mentioned in the first paragraph have been cleared and taken off my account and credit score, with the exception of XXXX XXXX and Discover. I believe for both of these responses to be incorrect as I was not and will not receive any of the services I paid for with these cards. I have tried calling the companies again but they have closed these cases and will not allow me to reopen them. As of today XX/XX/XXXX I am still making monthly payments to both of these companies for services and products I did not receive and will not receive. It is also harming my credit score and in these tough times it also weights in my personal life. Thank you for your urgent help with matter
03/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33181
Web
In XXXX I had a credit card from Discover and in XXXX attempted to make a payment over the phone to a representative and gave him my account number and he confirm the payment. I was under the impression that my payment went through as the representative said that it went through. A couple weeks later I got an email from Discover stating that my payment was not able to be found with the account number. And because of that as you can see on my credit report that my payment was 60 days late. I attempted to make a payment as Discover told me that I called and spoke to a rep on XX/XX/XXXX which is about two weeks before the closing cycle. I made the attempt to make the payment and gave the accurate information to the representative and it is not fair that as a borrower I am paying the consequences of a late payment which I tried to make. I am not accusing the representative over the phone of putting a wrong Account number in but Im saying that Errors do happened in these types of Computer related transactions. I tried to dispute this in XXXX but I had no success as I dont believe that experience really went into debt to really understand what exactly happened on that day because after going into much detail today after calling I found out new information that the account number that I used to pay my bill was ending in the last XXXX digits of XXXX. This is kind of ironic because my account number ends the last XXXX in XXXX. I know that there was a mistake made and I have not changed my account number since and with this new information I strongly can confirm that a typo was made or a system had a glitch. You can see as clear as day that I attempted to make a payment and that is on their call log. Unfortunately they are not able to pull the call from the representative or from the manager at the current moment because the first rep the call can not be found and the second call with the manager he know is no longer with the company and it is not able to be pulled by a general consumer. This small late payment on my credit has really made life hard for me. And dont think its fair that I am paying the price an error on discover. I am even more disappointed that XXXX decided to open an investigation and not dig a bit deeper into the actual situation to confirm what actually happened. Because if they did actually look into it and pull the calls which most likely were not done due to the fact that theyre not available to the general public. Then it would be very apparent that I made an attempt to make the payment and I did give the correct information over the phone and the only reason that it was late was because there was an error in the payment that was made.
02/29/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • CA
  • 955XX
Web
Hi, I have had a credit card account in good standing with Discover for several years, and was pleased ( at the time of account application, not now ), to receive a promotional checking account offer for a {$300.00} sign up bonus with conditions of sign up by XXXX/XXXX/XXXX, and make XXXX direct deposits within 60 days. Here is the full situation : a ) The application was opened on XXXX/XXXX/XXXX. The final screen said something along the lines of 'pending ' or 'more info is needed ', and it was my understanding ( as with credit card applications ) that a specialist would look into the account and contact me promptly. b ) Contact was never made, which was frustrating, so I called in on XXXX, and the account rep told me she saw the application and was willing to finish it. I reminded her of the bonus offer and *she acted like is was still completely good and valid* since I had applied on XXXX/XXXX/XXXX. c ) Direct deposits fulfilling your terms and conditions were completed XX/XX/XXXX. d ) I sent a secure message ( now unavailable to me ) in XXXX asking when the bonus would post, and the rep told me it would be on XXXX/XXXX/XXXX. He did never indicated that I was ineligible, and he apologized for the inconvenience. e ) When XXXX passed, I sent another message ( now unavailable to me since the Discover system deletes them after 30 days ), asking what happened. Another rep told me things would be adjusted within 30 days. There was still no indication that I was considered ineligible. f ) I sent in a message yesterday, XXXX/XXXX/XXXX, and was informed that the account was officially dated XXXX/XXXX/XXXX, which is the time of completion and not the time of the application, and I am therefore considered ineligible. This is the first I was told of this. I sent in an application on XXXX in good faith that it would be reviewed and completed, and in my opinion, Discover dropped the ball on it. Not me. g ) I then called in. The rep not only told me about the account date issue, but also informed me that I was not targeted. I received a direct mailing, and was therefore, by definition, targeted. They later change their story on this, oddly enough. h ) I received another message telling me, Oh, I guess you name is actually on the list (?? get your story straight ), but your still ineligible because of the account opening on XXXX, not XXXX like I thought it was. I can not believe that are going to renege on a bonus offer using a petty technicality. It is not my fault for not finishing my account opening in an 11 day window ( XXXX ). That was completely in their court, not mine, after I applied. This is bad business practice all around. XXXX XXXX
08/02/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • XXXXX
Web
Discover Bank is willfully, knowingly and illegally trying to double collect money from me by reporting a debt that they told the Internal Revenue Service ( IRS ) that they took a loss on in XXXX and reduced their tax payment liability and " issued a XXXX debt cancellation form against my name to be paid via my income taxes '' while they are still trying to collect and knowingly and willingly monthly reporting to XXXX, XXXX, and XXXX credit reporting agencies trying to collect this debt while the credit bureaus XXXX, XXXX and XXXX are knowingly and recklessly causing economic, physical and mental harm by dragging down my name and XXXX score for over 40 months 1200 days. It is illegal and fraudulent for any company to knowingly and willingly tell the IRS that they took a financial loss and cancelled a debt to reduce their income tax liability then turn around and still try to " double dip '' on the consumer by intentionally and falsely seeking to collect/benefit twice on same such debt. They issued a XXXX for the consumer to pay, reduce their tax liability by said amount, yet they are knowingly and willingly reporting and trying to collect this same amount every month as recently as XX/XX/XXXX despite me disputing and writing all parties several times a year. This is illegal and egregious, malicious behavior that has caused reprehensible and irreversible and substantial harm to my credit, XXXX, name and finances. I attempt several times a year to resolve this issue with Discover Bank, XXXX, XXXX and XXXX to no avail including most recently in XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX. Discover, XXXX, XXXX and XXXX all respond with dispute resolved consumer disagrees ; without actually investigating ; further causing me harm day by day. I even recently in XX/XX/XXXX wrote XXXX, XXXX and XXXX using the CFPB platform and again uploaded the IRS proof and again they responded with a reckless response and closed out the complaint. Discover is intentionally and purposefully still reporting monthly to the 3 credit bureaus against my name and XXXX causing me further harm day by day ; while fully knowing that they told the IRS that they took a loss and this debt was cancelled. This is illegal and purposeful. The Credit bureaus are also recklessly and willfully complicit by refusing to investigate, look at the paperwork provided and IRS records of company canceled the debt and Failed to investigate fraudulent, outdated errors reporting on my credit report as required by FCRA and CFPB consumer laws Discover Bank XXXX Furthermore such collections are against Federal and the State laws of California and you have violated my rights. IRS proof attached.
07/26/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33578
Web
On XX/XX/XXXX, I authorized a deposit for moving expenses to a company named XXXX XXXX based in XXXX, centered around an interstate move from XXXX XXXX to XXXX. The deposit was {$1600.00} for a BINDING price of {$4400.00} to pack and move my residence, to move my motorcycle, and to load and move an already packed residence of my girlfriend. On XX/XX/XXXX, I was informed that XXXX XXXX was just a Broker and not the actual moving company. The company that would actually be handling my move was a XXXX XXXX XXXX XXXX based in New Jersey. They arrived at my residence and told me that it would be in excess of {$8000.00} to pack my items and move them to Florida. I informed XXXX XXXX XXXX that I had a BINDING agreement with XXXX XXXX and that it was {$4400.00}. XXXX XXXX XXXX loaded the truck as I had an apartment lease and needed to have the items removed from the property. They brought them to storage in XXXX XXXX. I disputed the charge with Discover due to Fraud, deceptive practices, extortion etc. and won the dispute. I filed a report with the USDOT and the FCMSA. XXXX XXXX XXXX as a result of losing the dispute has informed me they are going to auction off my items as a result. Litigation has been threatened against XXXX XXXX XXXX and XXXX XXXX if this occurs. My attorney is XXXX XXXX in XXXX. The fraud the commenced was a moving scam initiated by the Broker, XXXX XXXX. They get your business by coming in with a low price. Then when the actual moving company is on site, they can charge you whatever they want. XXXX XXXX XXXX even had the audacity to show up with a XXXX XXXX XXXX rental truck, which only has a capacity of XXXX cubic feet, and charge me for XXXX cubic feet. This fraud has been reported to Discover and law enforcement authorities and criminal charges are pending. As XXXX XXXX was a party to this criminal fraud, I do not believe they should be allowed to collect on this {$1600.00} deposit. Further, as the job was not completed as one residence was not packed, the motorcycle was not packed, my items are stranded currently in a storage unit in XXXX XXXX, and they are being threatened to be auctioned off ; in no way, shape or form has the job been completed as described and it is very likely criminal in several aspects. As such, I do not believe XXXX XXXX should be allowed to charge me {$1600.00}. I ask the Consumer Protection Financial Bureau to mandate Discover to complete a more thorough, fair, and proper investigation, for the CFPB to inform them that when criminal fraud is perpetrated in conjunction to a credit card transaction, that it invalidates the charge. I thank you for your time and attention in this matter!
09/29/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • OH
  • 445XX
Web
AGAIN I RECEIVED A LETTER FROM DISCOVER STATING THAT I HAVE NOT FILLED OUT FORM 4506-C THE VERY FIRST TIME I WAS JUST ADVISED TO SIGN MY NAME. THEN RECEIVED A LETTER STATING I DIDN'T COMPLY WITH THE DEMANDS. FILLED OUT FORM 4506-C FOR THE SECOND TIME AND UPLOADED IT HERE AS WELL. IF I NEED TO FILL OUT YET ANOTHER 4506-C YOU HAVE TO SUBMIT IT AS I INFORMED YOU BEFORE. BECAUSE ONCE YOU FILL IT OUT AND SUBMIT YOU CAN NO LONGER ACCESS IT. SO FOR THE RECORD BOTH HAVE BEEN UPLOADED AS PROOF IN THE COMPLAINTS I HAVE HAD TO SUBMIT. AS I AM UPLOADING PROOF OF THE SECOND TIME I FILLED OUT AND SUBMITTED FORM 4506-C. AS WELL AS NOTARY PAGE OR WHATEVER ITS CALLED. AND AGAIN NO HONEST NOTARY IS WILLING TO NOTARIZE BANK STATEMENTS THAT ARE NOT PRINTED OUT IN FRONT OF THEM INSIDE THE FINANCIAL INSTITUTION THEY ARE FROM. BECAUSE THEY COULD BE HELD LIABLE, FINED AND MAYBE EVEN JAIL. FOR NOTARIZING DOCUMENTS THAT ARE NOT PRINTED OUT IN FRONT OF THEM INSIDE THE FINANCIAL INSTITUTION THEY ARE FROM. AGAIN IM ADVISING YOU ARE DEMANDING SOMETHING THAT IS IMPOSSIBLE AND COULD BE ILLEGAL BECAUSE XXXX THE BANK THAT I BANK WITH DOES NOT HAVE A BRANCH IN XXXXXXXX XXXX. AGAIN I HAVE ADVISED YOU OF THIS NUMEROUS TIMES. AND IF DISCOVER HAS A NOTARY THAT WILL NOTARIZE THE DOCUMENT 'S THAT YOU ARE DEMANDING, PLEASE HAVE THEM EMAIL ME SO WE CAN SET UP AN APPOINTMENT. IM ALSO UPLOADING STATEMENT. WHEN I GOT APPROVED FOR THE DISCOVER CREDIT CARD XXXX I WAS LIVING AT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. SO NOW I HAVE UPLOADED THREE MONTHS OF BANK STATEMENTS AS YOU HAVE DEMANDED. NOTARY PAGE. AGAIN UPLOADING FORM 4506-C FROM XX/XX/2021 THE SECOND TIME THAT I WAS DEMANDED TO FILL OUT. BUT YET THAT FORM IS NEVER MENTIONED ..... EVEN THOUGH I HAVE SUBMITTED PROOF. I HAVE UPLOADED XXXX PROOF OF OWNERSHIP. XXXX DEBIT CARD XXXX BANK ACCOUNT. XXXX APP. DISCOVER CREDIT CARD THAT WAS ISSUED TO ME WHEN I LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID AGAIN. UTILITY BILLS BEARING MY NAME AND PRESENT ADDRESS THAT YOU HAVE ON FILE BECAUSE YOU HAVE USED THAT ADDRESS FOR CORRESPONDENCE. XXXX STATEMENTS BEARING ACCOUNT NUMBER.. PAYMENT TO DISCOVER. I HAVE COMPLIED WITH YOUR DEMANDS FROM DAY ONE, AS YOU SEEM TO MAKE STATEMENTS OF INACCURACIES STATING THAT I HAVE NOT. PLEASE GIVE ME YOUR FULL NAME ADDRESS AND YOUR POSITION WITH DISCOVER AND THE TIME THAT YOU HAVE BEEN WITH DISCOVER FOR MY PERSONAL RECORDS THANK YOU XXXX XXXX AGAIN IF I NEED TO FILL OUT FORM 4506-C FOR THE THIRD TIME YOU HAVE TO SUBMIT IT ... BECAUSE ONCE YOU FILL IT OUT AND SUBMIT IT, YOU CAN NO LONGER ACCESS IT. AS FAR AS I KNOW I HAVE SUBMITTED EVERYTHING THAT YOU HAVE DEMANDED AND SO MUCH MORE.
10/14/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 92708
Web
I purchased an item from XXXX in XXXX and returned it in XXXX. XXXX sent me an email dated XX/XX/XXXX stating they processed a refund for the item in the amount of {$34.00} to my original form of payment which was Discover card ending in XXXX. I waited a month to allow sufficient time for Discover to post the credit to my current account. When this did not happen, I called Discover on XX/XX/XXXX. Discover said their records only go back to XXXX, so since the card is from XXXX they do not have the record and therefore can not issue the credit. I subsequently called XXXX on XX/XX/XXXX and asked if they could process the refund to my current Discover card, but they said they could only credit to the card used, XXXX. I feel the responsibility for issuing the credit to me lies with Discover. Since Discover closed my XXXX account, it is their responsibility to transfer any credit from the XXXX account to my current account. The merchant, XXXX abided by their return policy and issued the refund back to my original form of payment. The transaction successfully went through to Discover and they have my money, but is unwilling to transfer it to my current account. Discover has a history of not transferring credits from my closed accounts to my current account unless I call to initiate the process. This has occurred several times in the past. I feel Discover is using deceptive practices to avoid crediting consumer accounts. I then filed a complaint with CFPB on XX/XX/XXXX against Discover. Discover responded to the complaint on XX/XX/XXXX stating they will not return my money because they don't have a record of my Discover card ending in XXXX. Discover stated in their response that they maintain records for up to 7 years, but the card in question is 6 years old. So why they don't have a record of the card does not make sense. Whether Discover still have the record of my XXXX card is irrelevant. I used the XXXX Discover card to pay for the item. XXXX has a record of this Discover card transaction. I paid Discover cash for the credit used. Since XXXX sent the credit to Discover and Discover no longer have the XXXX account record, they should have issued me a check. I made an error on the XX/XX/XXXX complaint that XXXX issued me a gift card. XXXX did not issue me a gift card for this item. XXXX confirmed that they issued a credit to the Discover card that I used to pay with. Discover did not do their due diligence in investigating my complaint. Discover is using this error to avoid returning my money. I have already paid cash to Discover for this item in XXXX. For Discover not to credit my account or send me a check for the amount is theft.
06/24/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • KS
  • 661XX
Web
On XX/XX/2020 I made a purchase from the merchant XXXX XXXX XXXX {$1400.00} was charged to my Discover card. This card is set up through my XXXX account. After trying to obtain information requested to return the item within the 30 day return policy period and not getting a response from the merchant, I filed a dispute with Discover. After filing the dispute, XXXX sent an email indicating they had been notified by Discover that a dispute had been filed and would not handle the dispute since I filed the dispute through Discover. After several e-mails back and forth with the merchant, I was finally able to return the merchandise which was received by XXXX XXXX XXXX on XX/XX/2020. In the meantime, Discover ruled in the merchant 's favor and resolved the case on XX/XX/2020. On XX/XX/2020, I contacted Discover and spoke to a Customer Service Associate, told them the merchandise had been returned so I should be credited the amount. They instructed me to upload documentation supporting that I returned the item and to call them back once I did this. I did as instructed, called them back but was told that because in an email the merchant stated they had refunded my XXXX account, they could not credit my account and I needed to contact XXXX. I explained that I never received a refund via XXXX. Furthermore, XXXX is a pass through when using a credit card, therefore, the amount would not be refunded to my XXXX account. I didn't use XXXX funds, I used my Discover card. And if they had refunded me as they claimed, they would've provided me proof when I disputed that I hadn't received a refund, but they clearly lied because it would've went back on my Discover card. I was then told that they needed proof that the returned merchandise went to a physical address since XXXX tracking only showed the city and state of delivery. I contacted UPS who sent me proof of delivery to the address on the shipping label which I uploaded to my Discover site. This was reviewed by another CSA and I was told that this was sufficient and that they would need to have a Team Manager review and then reverse their dispute decision. I was supposed to have been called back and never heard from anyone. I called the following day to speak with now a fourth CSA only to be told that once again, they can not credit my card due to the XXXX email. So now, the merchant received the item and my money! I went through all of this rigmarole just to be right back to square one. I've checked my XXXX account 's Resolution Center that shows a case history and the info is updated based on Discover 's investigation. It states that the case is closed and was decided in the seller 's favor.
11/12/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • RI
  • 028XX
Web Servicemember
This problem pertains to Discover credit card. 6 charges were put onto my account that I did not make. They were all through XXXX. They were all applied on XX/XX/XXXX. 3 were for {$190.00} each and 3 were for {$200.00} each. On XX/XX/XXXX 5 credits were put on my account - 3 for {$200.00} and 2 for {$190.00}, omitting 1 credit for {$190.00}. All of these charges so far were without my knowledge. I looked into my account a few days after all these entries had taken place. I then called the credit card company to find out what was going on. They initially tried to say that everything was reversed and my account was credited for all of the amounts. I told them that there was still one charge for {$190.00} remaining. It took some convincing to get them to see that the {$190.00} amount was still outstanding. After persisting, they agreed to give a temporary credit out on XX/XX/XXXX for the {$190.00}. That charge was reversed a number of days later when they said that it went into another dept. for further investigation. They did not show the day of the reversal, but attached XX/XX/XXXX to the entry. After calling about this reversal in early XXXX after checking my account every few days to see if anything new was applied, I spoke with a rep and they were going to credit the remaining {$190.00}. Instead they showed a credit for XXXX of the charges for {$190.00} and only 2 for the charges of {$200.00}. Basically, they reversed the credits to reflect that the {$190.00} was applied 3 times, but the {$200.00} at this time was only applied 2 times. Now my account has an error charge of {$200.00} instead of the original {$190.00}. I called on XX/XX/XXXX and spoke to the Fraud Dept of their company and got a lot of double talk. I told the rep that my account was credited wrongly again. This time a credit for {$200.00} was omitted, leaving me with an overage of {$200.00} on my account. She said that they had done the credits but missed that one and would make the change and it would go through in 48 hours. Each time I talk with someone at that company, they say one thing and do another to make the account look more and more confusing. I am keeping it straight by adding up my purchases and paying for those. I told the rep that I don't want any finance charges applied to whatever amount they omit as a credit for bogus charges ( {$200.00} as it stands now ). She said that there wouldn't be any charges for this. One more note. I have paid off the balance amount on this account each month that I have had it opened. I feel that they are disrupting things now to make some money to offset finance charges that they have never gotten on this account.
12/18/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33068
Web
From XX/XX/XXXX-XX/XX/XXXX, my wallet and phone were stolen from my possession. They perpetrator who spent money on my account nearly 800 dollars and they found me responsible for it because the police department failed to give me a copy of the police report I made XX/XX/XXXX/XX/XX/XXXX and also said another reason was they seen a transaction before on my account which was named XXXX but anyways there where I found the suspect who stole my wallet and phone. There is so much stuff you can use or buy that will come up as a XXXX transaction that they shouldn't pin that on me. The third reason they said I would have to pay them back is because they called the phone to verify the transaction that took place but keep in mind that XXXX don't need to be unlocked to be answered and they also didn't asked for verification of my identity at all. I was already on my way up to XXXX for vacation with my friends and I didn't try to call from a different phone because I thought nothing of the suspect being XXXX enough to use my card and I didn't want to call from another phone to make it seem like I'm the suspect. so I went ahead and tracked the XXXX that got stolen from me and I seen they went all the way from where I live to XXXX, FL so I cancelled my trip to make my way out to getting my stuff back. so when I figured out how much they have spent on my account I called discover from the broken phone I retrieved after hunting this person down and explained only parts of the story about the fraud done so they can hurry and get this fraud off my card and stop my card from working anymore to the DISCOVER Card REPRESENTATIVE, she said everything would be fine and that we hold our customers 0 % responsible for fraud charges which is also on their website. so I'm waiting for a month then I see the charges placed back on my account because the decision is still going so every billing cycle I got ta pay a minimum amount of money I never used from them in the first place. Then when it reached end of XXXX I finally received a call from a case manager saying unfortunately we can't honor the fraud done because the police station failed to give me a copy of a police report and that they seen a XXXX charge before so I told the guy the full story and he said we will have it under review again for me then two more months past and I get a call from them saying " we still can't honor the 100 % fraud protection '' that they promote. So, I asked can I just fax you guys a witness letter saying what went on during the time and he said that I can try but basically said it won't work. So DISCOVER has me stuck paying them money I don't have nor spent in the first place
08/15/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MI
  • XXXXX
Web Older American, Servicemember
Discover, Discover Card, Discover credit, Discover Credit card, Discover personal loans, Discover home loans has along history of preying on people. And now it seems that the are preying on seniors and disable veterans. A few of the Federal court ruling against Discover for consumer fraud! The Discover Fake Credit Card Agreement Class Action Lawsuit is XXXX XXXX v. Discover Bank, Case No. XXXX, in the in the Supreme Court of the State of New York , County of XXXX XXXX. The Discover FCRA Class Action Lawsuit is XXXX XXXX v. Discover Bank, et. al., Case No. XXXX, in the U.S. District Court for the XXXX XXXX of Wisconsin . XXXX XXXX XXXX has reached a {$10.00} XXXX class action lawsuit settlement over allegations it duped its customers into signing up for the fee-based products : Discover Payment Protection ( formerly known as Discover AccountGuard ), Identity Theft Protection ( formerly known as Profile Protect ), Wallet Protection ( formerly known as The Register ), and Credit Score Tracker. As a result, consumers who were enrolled in one of these products between XX/XX/XXXX and XX/XX/XXXX may be eligible to receive up to {$30.00} from the Discover product class action settlement. XXXX XXXX XXXX has reached a class action settlement over allegations that it used an automated telephone dialing system and/or an artificial or prerecorded voice to place non-emergency telephone calls to a cellular telephone in violation of the Telephone Consumer Protection Act ( TCPA ). If you received an automated call from XXXX XXXX XXXX or any related parties between XX/XX/XXXX and XX/XX/XXXX, you may be eligible to receive financial compensation. A lawsuit has been filed against financial giant Discover, alleging that the company called more than a hundred times to try and collect someone elses debt. The phone call lawsuit claims that Discovers actions violate federal laws detailed in the Telephone Consumer Protection Act ( TCPA ) designed to protect the public from harassment Law360, New York ( XX/XX/XXXX, XXXX XXXX EST ) -- Discover Bank and law firm XXXX XXXX XXXX XXXX XXXX were hit with a proposed class action in Pennsylvania federal court Friday that accuses them of trying to collect on credit card debt without proper evidence. According to the suit, filed by customer XXXX XXXX XXXX XXXX, XXXX, Del.-based Discover, its subsidiary XXXX XXXX XXXX and XXXX-based XXXX, which serves as a debt collector for Discover, have engaged in an illegal and deceptive scheme to collect credit card debt from customers, using false information to back their claims. In Michigan state court there are over 6 cases against Discover and in XXXX county courts over 20!
04/21/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NJ
  • 08085
Web
I needed to get my air ducts cleaned due to getting health problems from the dust coming out the vents.I found a company on XXXX and emailed about my situation.He stated he would clean all the vents for a flat fee of $ 330.I talk to my boyfriend and told him they had a warranty and read to my boyfriend what the company offered..My boyfriend said to set up for them to get cleaned since it had a warranty and I was getting XXXX and XXXX Two men came with a big vacuum.The man stated he puts it in one vent and it sucks all the dust out of all the vents. ( to add he told me he was the owner of the company and does it part-time cause he is retired ) I question him about a long fan thing that goes in the vents and spins to loosen up the dust cause I seen it on XXXX and he said they only do that for fire damage..He never looked in the vents when he left.Me and my boyfriend put the vents back up..I told my boyfriend within 2 days I see dust on my tv stand.computer speakers and other things but my boyfriend let me clean everything again and if it still comes out then we will call the credit card company to dispute the charge.To add the Owner wanted Cash and on the receipt it does say cash but when my boyfriend found out I was paying cash he said no way cause I had no protection if the job is not right.He told me always to pay with a credit card for protection..With that said Dust was still coming out the vents and I disputed the charge..I sent the Discover so much proof..Proof of the warranty he had..Proof of text I sent the owner of the vent cleaner that dust was still coming out with pictures attach.I told him I wanted him to come back and use the brush he should of used.We made a date for him to come back.. ( we is I wanted my boyfriend here to take the vents down cause I was sick ) The owner agreed .The he called insisting of doing it the days that we DO NOT agree on and the day I was XXXXHe was very intimidating and grudge but I told him I had all the proof he was and schedule for the next day..Then he just said oh it's your baby powder and hung up..So discover charge me again and oh I did win the dispute and then all of a sudden it looked like they did it again..weird but when I call and my boyfriend being a witness to all and sending then text proof and warranty proof etc they give me all different reasons why they favored the guy who cleaned the vents wrong..Now I have pictures even of dirty vents and Discover is not doing as they are suppose to with a dispute finding in my favor cause I showed them all the proof and the guy showed them nothing.He gave them just hear say and the paper he printed out where I signed after I paid..
12/21/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • XXXXX
Web
I contacted discover and filed a dispute in the amount {$750.00} for an attorney XXXX XXXX XXXX who charged my card, I was told by the attorney, I had to leave a credit card on file to retain his services. The attorney and I had a verbal agreement, I would pay all his fee 's in cash and the card would not be charged. Behind my back the card was charged. When I became aware the card was charged, I immediately contacted the attorney and informed him he was terminated for a number of reasons. I informed him, he was not authorized to charge my card in which he already had done, I told him I was disputing the charge for {$750.00} with Discover. After contacting Discover and filing the dispute with discover and providing a lot documentation to support my claim from the California XXXX XXXX showing that the attorney did not do the job he was hired for and was terminated by me. My compliant was considered valid and picked up by the California State Bar as well the Attorney Client Mediation and Arbitration Services based on fraudulent billing practices and charges and a few other laws the attorney broke. Discover has twice refund the disputed charge back to my account after numerous calls and asking to escalated to up management, Recently Discover added the charged back to my account without reason and told me the dispute was closed and settled in arbitration without my knowledge. I reached out to Discover and was transferred to the executive team I spoke with XXXX XXXX Executive Office of Customer Advocacy explained everything to him and sent him the documentation he requested proving my claim. In less than a week I was contacted XXXX XXXX from the Executive Office of Customer Advocacy and told my case was closed and discover felt the charge was valid based on what information the attorney provided and the attorney was the only that could give me a refund. I explain to them that was not true, and I read their full disclosure provided by discover and he was not following protocols and a new investigation show be opened a requested by myself. Discover has lied and has refused to handle my dispute properly. I transferred around to many different departments and told I will receive a call back that did not happened. When I request to speak with upper management, I am hung up on and nowhere in the Discovers disclosure does it state I have a limited number of times I can dispute an invalid charge nor does it explain about they arbitrate without my consent on my behalf. Today I have an over charge on my credit card limit and discover should honor my dispute and truly help resolve the issue with the false charge from the attorney.
12/21/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33068
Web
From XX/XX/XXXX-XX/XX/XXXX, my wallet and phone were stolen from my possession. They perpetrator who spent money on my account nearly XXXX dollars and they found me responsible for it because the police department failed to give me a copy of the police report I made XX/XX/XXXXand also said another reason was they seen a transaction before on my account which was named XXXX but anyways there where I found the suspect who stole my wallet and phone. There is so much stuff you can use or buy that will come up as a XXXX transaction that they shouldn't pin that on me. The third reason they said I would have to pay them back is because they called the phone to verify the transaction that took place but keep in mind that XXXX don't need to be unlocked to be answered and they also didn't asked for verification of my identity at all. I was already on my way up to XXXX for vacation with my friends and I didn't try to call from a different phone because I thought nothing of the suspect being dumb enough to use my card and I didn't want to call from another phone to make it seem like I'm the suspect. so I went ahead and tracked the XXXX that got stolen from me and I seen they went all the way from where I live to XXXX, FL so I cancelled my trip to make my way out to getting my stuff back. so when I figured out how much they have spent on my account I called discover from the broken phone I retrieved after hunting this person down and explained only parts of the story about the fraud done so they can hurry and get this fraud off my card and stop my card from working anymore to the DISCOVER Card REPRESENTATIVE, she said everything would be fine and that we hold our customers 0 % responsible for fraud charges which is also on their website. so I'm waiting for a month then I see the charges placed back on my account because the decision is still going so every billing cycle I got ta pay a minimum amount of money I never used from them in the first place. Then when it reached end of XXXX I finally received a call from a case manager saying unfortunately we can't honor the fraud done because the police station failed to give me a copy of a police report and that they seen a XXXX charge before so I told the guy the full story and he said we will have it under review again for me then two more months past and I get a call from them saying " we still can't honor the 100 % fraud protection '' that they promote. So, I asked can I just fax you guys a witness letter saying what went on during the time and he said that I can try but basically said it won't work. So DISCOVER has me stuck paying them money I don't have nor spent in the first place
02/06/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • WI
  • 54016
Web Servicemember
I submitted an online application for a student loan consolidation with XXXX XXXX XXXX on XX/XX/XXXX. Funds were dispersed XX/XX/XXXX to pay off various private student loans. The total amount was {$69000.00}. PRIOR to disbursement of the funds, I was not provided a promissory note, nor was I made aware of the terms of the note, including the interest rate, the manner in which payments would be applied and/or any default terms. In XX/XX/XXXX, Discover Student Loans purchased my loan. Around 4-5 years ago, I was curious about how much I had paid on this note and what I had left to pay. I was shocked to discover that of over $ 50K in payments, less than {$2000.00} went towards principal. I started to look into information like where they got the interest rate from, terms of re-payment, etc. I asked repeatedly for a signed promissory note that detailed these items out. They repeatedly told me that they got the interest rate from the promissory note. They sent me the application I submitted through XXXX and a generic promissory note that did not have my loan number on it, my name on it, and was dated a full two months prior to me having applied for the loan in the first place. Over the past 12 years, I have paid {$68000.00} towards this note. I was continually threatened with them " charging off '' the loan, even though they lacked the terms and conditions in a promissory note that would result in a charge off! The continually threatened to default me, even though all I ever asked for was proof that they had the authority to charge the interest rate they were charging and evidence of any type of authority to apply payments as they have. I have been exceedingly patient with these people. I have asked repeatedly for documentation regarding the proof or evidence that allows for what they are charging me and I am convinced that they do not have it, and that they are aware that they do not have it. I was informed today that my loan " charged off '', whatever that means. I believe that any negative reporting to the credit bureaus without indicating that this debt is disputed is a violation of the Fair Credit Reporting Act. I believe that XXXX and Discover both charging the interest that they have and applying payments without the proper authority in a signed promissory note violated the fair debt collection practices act. I sent Discover a demand for settlement XX/XX/XXXX. That settlement demand was denied, but they never gave me the courtesy of a reply to inform me of that. I learned that today while calling to check the status of things. The again informed me today that the interest rate was set by the promissory note.
12/30/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • MI
  • 483XX
Web
Discover Card account ending in XXXX. This account has been in dispute since XXXX. I opened the account in XXXX paying for the additional Protection Plan. In XXXX, I experienced severe medical issue causing loss of employment, however I was able to initially use my Protection Plan Coverage for waiving the monthly payments until Discover decided not to allow additional use and stated that the program no longer applied. Subsequently offering a new payment arrangement plan to bring the account current. However, instead of honoring the arrangement my account was now a Collections account. In XX/XX/XXXX, I attempted to bring my account current to remove the collection status off my credit report, however was informed that the account was now Charged Off and would remain at this status regardless if it was paid off and that I would not be able to reuse the account upon satisfying the charge off. I continued to try to work with XXXX XXXX XXXX to correct this issue. In XX/XX/XXXX, a registered letter was mailed to Discover with a payment to make the payments to satisfy the collection and keep the account open. Discover did not immediate respond, however applied the payment to my account. In XX/XX/XXXX, I was offered a Settlement Agreement in the amount of {$4300.00}. I agreed to the settlement and begin additional payments totaling {$2700.00}. I received my updated credit report on XX/XX/XXXX and Discover sent to the Credit Reporting Agencies a " Closed Account '' status effective XX/XX/XXXX, while I am still making the settlement payments and causing my credit score to drop XXXX points. Discover never stated that they would instantly report a " Closed Account '' status once I agreed to the settlement. I was informed since XXXX that the account was closed and charged off so why would they suddenly send to the Credit Reporting Agencies a Closed status affecting my credit score. I also have a letter from Discover dated XX/XX/XXXX, stating that " Discover is required to report the account to the Consumer Reporting Agencies as a disputed account until I advise them to remove the dispute status '' I HAVE NOT advised of any such removal of a dispute status. The account is still considered a dispute due to Discover not allowing me to use my Payment Protection Coverage that I paid into since XXXX during my employment loss causing my account to go into Charge Off status. I feel that this is an intentional wrong against me to affect my credit. I would really appreciate some legal assistance in this matter. I have attached the letters from Discover regarding the Correspondence " Disputed Account '' and the Account Settlement Agreement.
07/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • 33071
Web
On XX/XX/XXXX, I inserted my Discover credit card into an automated pump at a XXXX XXXX XXXX in XXXX, FL and after entering my zip code got a message on the pump 's screen that read " SEE CASHIER '' ; I was in a bit of a hurry and pulled up to the next pump, inserted my Discover credit card and zip code and got the same message on the screen. This time, I went inside and told the cashier, she said that I could purchase gas inside the store. I did not want to do that because I was afraid that I would be charged twice, so I left that XXXX XXXX never having lifted a single pump, or putting any gas into my car a XXXX XXXX XXXX ( only takes gas as fuel ). It should be noted that the gas pump never displayed the typical message when a credit card is authorized to pump gas, such as, " lift handle and dispense fuel. '' About an hour later I got gas at another XXXX XXXX station in another part of XXXX. A few days later, I noticed a pending charge of {$120.00} from the XXXX station where I never pumped any gas. I called up Discover Card and notified them that I did not pump any gas and they told me that the gas station put a hold for {$120.00} and that it should drop off in about a week. That did not happen, instead the charge posted. I disputed the charge, and also appealed Discovers ' finding that I owe the {$120.00}. When Discover sent their letter dated XX/XX/XXXX, only then was I informed that the charge of {$120.00} was for diesel fuel -something I couldn't pump into my car because my car only takes gasoline. I filed a Police Report in XXXX regarding the incident and that my Discover credit card had been used without my authorization, and that this is a fraudulent charge. I had tried unsuccessfully to resolve this matter with the XXXX XXXX station and they just denied responsibility and pointed to Discover Card. Discover Card states a {$0.00} Fraud Liability Guarantee, however, they apparently do not stand behind this policy. I never authorized anyone to pump diesel fuel. I drove away from the XXXX gas station without pumping any gas, either their pump malfunctioned, the cashier didn't clear out my credit card information, or Discover Card made a mistake authorizing the charge. I notified Discover Card as soon as I saw that a charge of {$120.00} was pending, told them that I never pumped any gas and that this was not authorized by me. Discover Card had the opportunity to deny that charge and not post it to my account since I had notified them that the charge was not authorized and fraudulent. I submitted a pdf of the Police Report that I had filed to Discover, even that did not change Discover Card 's view of this matter.
11/24/2023 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • Application denials
  • WA
  • 98178
Web
XXXX : Applied for a home improvement loan with Discover Home Loans and was preapproved based on my credit score, income, and estimated market value of my primary home. XXXX XXXX XXXX XX/XX/XXXX ( XXXX PST ) : Received the full appraisal of my primary home confirming estimated values to be {$960000.00} ( sales comparison approach ) and {>= $1,000,000} ( cost approach ). The lower value meeting the estimated market value at time of application and pre-eligibility process. Email from Discover stated : " XXXX, our underwriters are conducting their final review of your loan application... This crucial step takes a few days and we'll let you know when it is complete ... '' XX/XX/XXXX ( XXXX PST ) : Received an email from Discover Home Loan Services, " We are unable to approve your application. You'll receive a letter in the mail in a few days with more information about this decision. '' I then reached out to the Sr. Loan Processor ( XXXX XXXX XXXX to inquire what had happened as we were baffled and thought perhaps there had been a system error. XXXX responded with the following, " The underwriter has reviewed your file and it appears it has resulted in a decline. The reason they provided was " the property value given to a non-conforming half floor. Non conforming means not meeting zoning requirements. The appraiser also stated that the den in the basement does not meet proper egress ( exit ). The half floor is completed but does not meet the ceiling height requirement to be included in finished square footage. Finished area must have ceiling height of at least XXXX feet per XXXX guidelines. '' In all of my years being involved in retail lending, buying and selling homes and having a spouse that served a real estate agent, we have never heard of well-qualified consumers being denied a mortgage-related loan when an appraisal had met value, especially one in which the very thorough appraiser implied would potentially sell higher if we weren't currently in a depressed market due to high rates and low season. We've literally had people offer to buy our home off market. The buyers previous to us and in our own purchase did not have any issue with meeting market value for our primary purchase loan on this home. The area we live in is surrounded by homes of a similar nature, built between the XXXX 's and have no difficulty with inventory movement, the layouts are market-dependent and rooms outweigh conforming square foot in our market. Further, the market value of the home would exceed FHA and conforming loan max amounts. I would be curious to know if they are consistent with this type of denial with others in our metro area.
01/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • MD
  • 20774
Web
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX. Subject : CHARGE-OFF DISPUTE Account : Discover bank To Whom It May Concern, Going over my credit reports ), I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. See. Account Above Please supply the information below because I believe that your firm handling of my payment and account information has been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( 15 U.S.C. chapter. 41, subchapter. I 1601 et seq ). 1. Provide verification and documentation that there is a valid basis for your firm 's charge-off of the alleged debt. Please provide a copy of the written agreement ( bearing my signature ) that created the requirement to pay and stipulates your terms for a delinquent account ; 2. Provide a copy of the last billing statement sent at the time of the transfer or allocation of the goods, services, or money associated with the alleged debt ; 3. State the maximum delinquency and when it was charged-off ; 4. Provide according to your records when this alleged debt became due and when it became delinquent. Please provide the five personal identifiers associated with this account including full legal name, address of record, date of birth, zip code and Social Security Number ( not truncated ) ; 5. Identify the date of the last payment made on this account and the amount of that payment ; 6. Provide how you made a determination that this alleged debt is within the statute of limitations applicable to it. Provide when you think the statute of limitations expires for this debt, and how you determined that ; 7. Describe in detail your firm 's charge-off procedures as they apply under the XXXX XXXX of XXXX ( Pub.L. 107-204, 116 Stat. 74 ) ; 8. Provide an itemization showing the dates and amounts added to each billing statements ) ( an additional interest, fees, or charges ). In addition, explain how the added interest, fees, or other charges are expressly authorized by the consumer agreement creating the debt or are permitted by law ; 9. Provide an itemization showing the dates and amount of each reduction or payment that was accrued in your firm 's charge-off procedure ; 10. Provide an updated Terms of Service Agreement for this account including specific amended sections and why those sections were changed ; 11. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to XXXX compliance between your firm and your contracted reporting
09/08/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OR
  • 97007
Web
Subject : Formal Complaint Against XXXX ( The Knot ) for Deceptive Practices and Breach of Contract To Whom It May Concern at the XXXX XXXX XXXX XXXX, I am writing to lodge a formal complaint against XXXX, also operating under the name " The Knot, '' for their fraudulent business practices, breach of contract, and lack of redress for affected consumers. I urge you to investigate this business, as I believe their actions not only violate consumer rights but XXXX also be indicative of a larger pattern of deceptive practices, warranting regulatory action. Deceptive XXXX XXXX and XXXX : I entered into a contract with XXXX based on explicit promises, which included obtaining an average of XXXX legitimate clients per month and support from an account XXXX. These commitments proved to be entirely false, leaving me in a precarious financial situation. Failure to Deliver Promised Services : The only leads XXXX provided were fraudulent or scam-oriented, effectively negating the supposed benefit of their service. This can be seen as a blatant breach of contract and potentially a violation of the Uniform Commercial Code ( UCC ) related to the implied warranty of merchantability. Lack of Customer Support and Transparency : My designated account XXXX vanished without notification. I was later informed that she had left the company, yet XXXX did nothing to reallocate resources or support, leaving my account unattended. Widespread Consumer Complaints : I have attached letters from the Better Business Bureau that indicate I am not the only victim of XXXX 's fraudulent practices. There appears to be a systemic issue wherein the company locks customers into contracts they have no intention or capacity to fulfill, further supporting my claim that their business practices are deceptive by nature. Unresponsiveness to Redress : Multiple attempts to contact XXXX and resolve these issues proved futile. This unresponsiveness reveals a clear absence of a redress mechanism, reinforcing their breach of good faith and fair dealing under contract law. I request that the XXXX XXXX XXXX XXXX : Conduct a thorough investigation into XXXX business practices. Hold them accountable for the fraudulent activities and breaches of contract. Consider levying fines or sanctions as appropriate. Alert potential consumers to these deceptive practices. Thank you for your prompt attention to this matter. I am available to provide any additional documentation or testimony as needed to support this investigation. Given the severe impact this situation has had on me and apparently many others, I am eager to see substantive action taken. Sincerely,
06/07/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • OH
  • 443XX
Web
I noticed 2 payments out of my bank account in large amounts after I made a payment to Discover. After examining my bank account, I did not authorize these payments. I contacted Discover, spoke with 6 people- one supervisor listened to calls and found it was fraud. A man called to make payments and the agent did not fully verify my account. She said the agent said well do you want to pay with account used last month. This is a no no - Agents need to follow protocol. The only person that attempted to help was XXXX in the Fraud Dept but said he would escalate the issue to Executive Complaints. He said it would take 2 to 3 days to receive my refund. Well it has been 6 days. People have rent/car payments and other things to pay and a Landlord will not wait. I contacted Executive Department and spoke with XXXX who suppose to be handling my complaint, all she did was repeat herself, no remorse, no apology for their negligence. This company has put me in a bad place with paying rent and maybe on the street. They don't show empathy - claims this is as far as you can go, well bull. I worked complaints for a huge corp and you have a 24 to 48 turnaround. Now if they know it was not me and it was fraud- continue investigating but put the persons money back in their bank account. I don't understand this. It seems like Discover is covering something up. Agents rude, supervisors transfer you all over. I was on the phone from XXXX to XXXX. This is just not right - we live in the XXXX and should treat people better and have a better method. I blame them for their incompetent 's employees who don't follow their training properly. I want compensated. I want a letter from them explaining all of this. My next step is to go to the Governor and then News channel if you guys can't get this resolved ASAP. They want their payments then I want my money back in my account so i can pay my bills. I have been a loyal customer to them and a good paying customer. So if they don't give a dog___how they treat their customers then i don't care going forward if they get paid. No wonder this country is in a mess, greed. Please help get this resolved. XXXX XXXX is the CEO of the company. Their phone number is XXXX. XXXX was no help at all. The guy I spoke with while she was at lunch at noon said to call her back at 3, well that is a long lunch break. He also told me what he can see no one has done anything with my complaint but she said she had it right there working on it. It is not her money or her company- she acts like she don't care. wonder if it was her. she needs to work and stop sitting around talking and snaking. I want the CEO to contact me.
09/21/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • OH
  • 43130
Web
XX/XX/XXXX Received a call at home phone insisting we pay a Discover credit card debt from XX/XX/XXXX for {$4100.00} which he would reduce to {$1700.00} if we paid today. We asked to mail us proof said it would be {$7.00} per page at XXXX pages. He said he did not have to prove we owed the debt, we had to prove we did n't and if we did not pay before today he would have my husband served papers indicating Docket # XXXX. Threatened judgement with a lien against my husband 's XXXX Ford Thunderbird. Represented himself from XXXX XXXX XXXX XXXX Attorney Firm in Florida. His name XXXX XXXX XXXX and XXXX. Called the next day and gave all the same information to my ill sister we just recently moved in with us and a message to give to me saying if I did n't call back today with {$1700.00} it would be too late and legal action would be filed. I went home from work to call him back because I did not want him having my work number or cell number. I asked him to notify us by us mail. He asked for my email, to which I replied US mail only please. He said " so you want to play that game. '' Tried to talk over me and would not have a professional respectful conversation. I asked him to not call my home again. I told him he broke the law by sharing debt collection information with my sister. I told him as a third party collector he could not call my home everyday. He stated he was not a third party collector, he was with an Attorney Firm. He said " You just blew it because your sister was going to pay this for you ; '' He lied. I told him I called the Ohio Attorney General 's office today to file a compliant. He stated the Attorney General could not do anything to him because they do n't know anything about his business and they had no jurisdiction over him. He told me my new husband was going to ruin my credit because in Ohio I was responsible for this debt even though it was before we were married. I told him to never call our home again. He refused to disclose verification of the debt. He made false statements. He threaten legal action. He refused to give me his address for written communication. He clearly made it known he was above the law and no respect or fear of violating it. I am taking this step because I am a reasonably smart business woman and he was able rattle me. He could easily scam or cause a weaker person dangerous physical stress. Here 's the bottom line. We have good credit. The debt is not reported on my husband 's credit bureau. If he owes it we would pay it but we are not going to give a random person any personal information over the phone. Please advise to what steps I can take to stop this harassment.
08/05/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • PA
  • 18064
Web
I received an email on XXXX XXXX 2016 from Discover Student Loans stating that they had not yet received my payment. I logged onto my banks website and saw that a payment of {$200.00} had been withdrawn from my account on XXXX XXXX at XXXX by Discover Student Loans. I then logged on to my DSL account and checked the payment history. My XX/XX/XXXX payment was marked {$200.00} and next to it was the word " paid ''. I went to the home screen and along of the top of the page was a banner that said my payment was past due. It also listed a minimum payment due of {$210.00}. I called DSL and talked to a CSR who informed me that my minimum payment due had changed in XX/XX/XXXX to {$200.00}. I told him that I had not received an email or any paperwork in the mail about this change. There was also no indication on the website that my minimum payment had changed. He responded that it had changed in XX/XX/XXXX, corrected himself and stated that the terms had changed in XX/XX/XXXX. He became very confused over whether the terms had changed in XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. He indicated that I should have received a message in my account inbox on the site about this change even if I did n't receive an email. I checked the inbox and there were no documents present. When I told him this, he stated that the documents must have " expired '' and that I no longer had any access to these documents, but that the terms had changed in XX/XX/XXXX. He corrected himself again, stating that it was actually changed in XX/XX/XXXX. He was unable to provide any documentation when they had changed or what they had been changed too. The CSR then stated that in order to bring my account current, I would need to pay {$6.00}. I questioned why if I only owed {$6.00}, the website had {$210.00} listed as the minimum payment due. I had paid {$200.00} on XX/XX/XXXX, in the payment history it was marked as paid, so it should only be {$6.00} due. The CSR said that was correct, but the website would n't show partial payments only total minimum payments. Going to the online bill page, the past due amount was listed as {$0.00}, despite being told I owed {$6.00}. 1. I was never notified about a change in payment terms. 2. Discover Student Loans was unable to provide any documentation that the terms had changed ( my previous months statements had " expired '' as well ). 3. The CSR I was talking to on the phone was confused as to when the payment terms had changed. He stated it was in XXXX, XX/XX/XXXX, and XX/XX/XXXX multiple times throughout the conversation. 4. The site itself never stated how much I needed to pay to bring my account current.
01/21/2016 Yes
  • Credit card
  • Other
  • MI
  • 48111
Web
This complaint involves XXXX companies that each claim innocence. They each tell me to talk to the other company and none offer any method to resolve the issue The companies are Discover Financial services, XXXX and XXXX XXXX XXXX XXXX XXXX. Specifically ; Discover Financial Provides me My XXXX score and an explanation for any change as follows ; Your XXXX Credit Score is based on your XXXX credit report using the XXXX Score XXXX. The " problem '' is that that after months of having a XXXX score at or near XXXX, my XXXX score dropped to XXXX as reported by Discover Financial Sevices. The Credit Card offers a free XXXX score updated monthly. Discover, shows the reason for this decrease is : " 1. PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH The balances of your non-mortgage installment loans ( such as auto or student loans ) are high compared to your original loan amounts. As you pay down your loan your balance decreases, which reduces the proportion. '' The key to the above statement is " NON-MORTGAGE installment loans ''. are HIGH. In reality, the only financial activity that I was involved in was a refinancing of my HOME Mortgage. In fact, the action was to refinance an existing balance at a reduced interest rate with no cash out. Bottom line is that there was no change in outstanding debt, the only change was a debt that is now 100 % of the " new '' mortgage balance as compared to, approximately 75 % of the " old '' mortgage original loan. REMEMBER ... the debt amount is exactly the same! Also remember that this is MORTGAGE debt ... Not the " non-mortgage debt '' as referenced in the Discover Card explanation for change ( decrease in score ). Upon discussion with Discover, they directed me to XXXX, who can not /will not explain the change and they blame XXXX as they are the company who determines the score.When I discuss the problem with XXXX they in turn blame XXXX who provides the data for the XXXX score determination. So as a consumer, I am directed into a XXXX way loop of blame, Discover blames XXXX who blames XXXX XXXX ... who blames XXXX. I have experienced a significant change in my XXXX score that is unwarranted. The fact is, that by refinancing at a lower rate, I have lowered my monthly payment, which in fact ( common sense ) should improve my credit score. There is a significant problem in either XXXX '' s classification of Debt type or in XXXX formula for XXXX score determination. This case shows that consumers who refinance could and some cases will experience a significant decrease in their FICO score, which in turn can have a significant negative impact on future borrowing costs
10/20/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • FL
  • 32828
Web
About a year ago I opened a Discover Bank online checking account. I already had an online savings account with them and was happy with it. I like getting bank statements and credit card statements mailed to me because they help me remember to reconcile and/or pay them in a timely manner. I also like having a paper trail back up for my files. I noticed that for some reason I was not receiving paper statements from Discover Bank, so I went online to choose that option. I could not find a place anywhere on their website where I could ask them to mail my statement to me. So I called the bank. After to talking with several people, I was told that I can call anytime to request a paper statement, but that they do n't have a paper-copy option for their online checking account. I was told that I had opted out when I opened the account ( this is mandatory ), and that I had waived my right to " opt-in '' because no such option exists. Wondering if this was legal, I did some online research. This led me to XXXX XXXX, Senior Consumer Regulations Specialist with the Federal Reserve Bank XXXX XXXX. I sent an email explaining my situation to him and he wrote back the following : Pursuant to Regulation E ( Electronic Fund Transfer Act ), you are entitled to written periodic statements for your checking account if electronic transfers ( such as ATM or debit card transactions ) can be made from the account. See 12 C.F.R. 1005.9 ( b ) and 1005.4 ( a ) ( 1 ) The E-Sign Act applies when a law or regulation requires written disclosures. 15 U.S.C.7001 ( c ) ( 1 ). The E-Sign permits the use of electronic disclosures in lieu of the written ones, provided the consumer consents and is notified of the right to later withdraw the consent. Regulation E specifically requires compliance with the E-Sign Act if a financial institution wants to provide disclosures electronically. 12 C.F.R. 1005.4 ( a ) ( 1 ). The E-Sign Act also requires financial institutions to provide consumers with the right to withdraw their consent to electronic disclosures. 15 U.S.C. 7001 ( c ) ( 1 ) ( B ) ( i ) ( II ). If Discover Bank is not complying with these requirements, you can file a complaint with its federal regulator for consumer protection issues ; namely, the Consumer Financial Protection Bureau ( CFPB ). You can contact the CFPB at XXXX or visit the CFPB 's website to file a complaint online. XXXX/We hope you find this information helpful. XXXX XXXX XXXXSenior Consumer Regulations SpecialistSupervision, Regulation and CreditSupervision, Regulation and CreditThe Federal Reserve Bank XXXX XXXXOffice : ( XXXX ) XXXXCell : ( XXXX ) XXXXEmail : XXXXXXXXXXXX
12/03/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • GA
  • 30349
Web
I was extremely XXXX today, XX/XX/2021 after attempting to use my Discover card to purchase an ink toner for my personal printer. When I inserted the Discover card, it was declined multiple times causing me to hold up the checkout line. This just added to the XXXX as I was already XXXX out because XXXX XXXX had me repurchase the ink toner after I had already purchased online and was just there to pick up. I did not bring the card I originally made the purchase with because I was there solely to pick-up. I thought it was a blessing that I happened to have the Discover card to pay, so I thought until it was denied. I drove 45 minutes from my house and had no other options but to be forced to use my business card to complete the transaction for personal use to avoid further inconvenience of losing my spot in line or having to drive 45 minutes to get my other card. I feel like I am being discriminated against because I hadnt experienced any issues or problems with my Discover card until I exercised my rights in good faith as a federally protected consumer informing DISCOVER FINANCIAL SERVICES of the billing error. I had reason to believe that this is an adverse action against me as defined by 12 CFR 1026.13 ( d ) ( 3 ) as my account appeared to have been closed or restricted without my consent or approval. This adverse action needs to be corrected IMMEDIATELY. DISCOVER FINANCIAL SERVICES has failed to comply with federal regulations in the subchapter of 12 CFR 1026.13 resulting in legally forfeiting their rights to collect as defined by 15 USC 1666 ( e ). In accordance with 15 USC 1666d, these past, present and future remittance coupons that they send in the mail to my place of abode need to be converted into checks monthly that are payable to me. This would have never happened to me if DISCOVER FINANCIAL SERVICES properly handled my account as an open end credit plan applicable with federal law as defined by 15 USC 1602 ( j ). Also, this would have never happened if the credit balance on this account was zeroed out monthly pursuant to 15 USC 1666d ( A ). The agent, XXXX, conducting business on behalf of DISCOVER FINANCIAL SERVICES confirmed that my account was closed as of today, XX/XX/2021 without notice and was unable to provide any specific reasons as to why it was closed outside of claiming an adverse action. The agent went on to tell me that DISCOVER reserves the right to close my account at any time after I told the agent that I never consented to have my account closed. I know for a fact that the adverse action was against me for in good faith exercising my rights as a federally protected consumer.
01/14/2017 Yes
  • Credit card
  • Other
  • CA
  • 95835
Web
My issues with DFS/ Discover Credit Card came about from a simple inquiry and upon making that inquiry and array a very unpleasant situations took place and I am a very wary and unhappy DFS- Discover Credit Card member. IMO, DFS does not does not document ( provide documentation ) that is sufficient enough for those who chose to use their CC. Back in XXXX to XXXX, I found that I was not issued ANY statement AT ALL- there are 4 months of ZERO documentation, not even a electronic message- NOTHING that provides information in regards to card activity ( or lack thereof ). Granted YES, I understand that due to inactivity, some CC companies/ financial institutions will opt for not providing a statement, however ; I do believe that this needs to be stated prior OR should be CONVEYED to the credit card holder in the membership terms and agreements documents. DFS has failed to do so. Furthermore, upon viewing various statements- there are simply charges that DFS will indicate as ( ONLY ONE EXAMPLE ) - TRANSFER BALANCE- MISC. I am writing this because, I WILL NOT BE PAYING DFS- DISCOVER CC for such " items ''. I have contacted DFS SEVERAL TIMES about this problem- I have also brought this issue [ PARTICULARLY, the FACT THAT IT IS QUESTIONABLE TO ME WHY I WOULD HAVE 4 MONTHS OF STATEMENTS THAT ARE NOT RECORDED/ DOCUMENTED ] up when speaking with the Customer Advocacy Executive , XXXX- when speaking to him in regards to the first complaint that I had issued to the CFPB. According to XXXX, DFS- Discover Credit Card is not OBLIGATED to provide statements, and furthermore, informing DFS members prior/ or in the Cardmembership agreement is not really their responsibility- this is of course, what I personally, got from his wording during our conversation. I have the entire phone call between XXXX and I recorded, however ; due to the fact that I had informed XXXX that I would be recording our conversation, and him responding by clearly stating that I did not have his permission to do so- his response will just have to be up to debate between him and I, since this is essentially just TWO people hearing/ saying one thing, while the perception of that one thing can ultimately be up for debate. I am going to end this by stating that I WAS COMPLETELY UNAWARE THAT ONE SIMPLY INQUIRY IN REGARDS TO ME ASKING DFS TO KINDLY LOOK INTO A MAXIMUM OF A TWO HUNDRED DOLLAR DISCREPANCY, COULD TURN INTO SUCH AN ORDEAL. I am reaching out to the CFPB for its assistance, unfortunately, I am having difficulty trusting DFS/ Discover CC yet I am unable to cancel my account because I AM afraid that ALL OF MY DOCUMENTATION WILL NO LONGER BE ACCESSIBLE.
09/19/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • NJ
  • 08816
Web Older American
I received a very disturbing response from the executive team stating that they did what was necessary as to the fraud results when everything was withdrawn so I am not sure why they are sticking to these so-called fraud there is no fraud everything was withdrawn and the institutions they received money from needs to be credited back which is documented and attached here. This is my previous message to them hopefully they read it and understand it this time .I XXXX XXXX XXXX into my discover card for an inquiry about if my son in law who is/was my managed user went through id-theft and paid the debt from XXXX XXXXXXXX with a B/T who would be responsible to write or pay it off. Generically, I answered my own question and told them that it was just a inquiry and not to dispute anything. However, the agent decided to dispute 12 B/T and got 2 of my son in laws cards closed because they thought we disputed it even though we wrote a letter and signed it with our ids and statements stating these are valid and not to take further action, with that said they didnt listen and to this day months later when we did the B/T in XXXX and they decided to dispute it on there own accord after my inquiry we were not able to have it undone despite the letters stating we withdrew all of the disputes and they would return the money to the proper institutions. This was never done to this day they keep saying we owe them money and the institution they took it from at the same time without anyones consent to dispute the claims. We called countless times and talked and emailed executives with no luck about this card and we are suffering massive credit harm from what they did and massive balances on these cards that were paid off. My son in law runs a business and cant produce what he needs because both of our credits were destroyed by there negligence and they are refusing to return the money and give us a letter of bank error so we could fix our credit. Everytime I call in there is no answers and they will not undo the disputes and send random letters such as now Im not responsible for the debt one week to being held responsible to still having to pay both institutions and everyone is suffering my wife is XXXX on XXXX and I can not downsize my home because my credit has been ruined and they will not fix it or respond no matter what I do or send them. I have documentation and letters of this confusing mess when all that had to be down was withdrawn and return the money to all institutions. Discover credit card has ruined my life and my son in laws with no remorse. We called every week for the past 2months and are fed up and need help
12/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 349XX
Web
NOTICE TO AGENT TIS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT. In pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car pursuant to 15 usc 1681 ( a ) the banking system is depended upon fair and accurate reporting, furthermore you have infringed upon my right to privacy later stated within the congressional findings of the FCRA. I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting inaccurate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payments, I demand deletion at once with these late payments reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from exercising my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
06/26/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • LA
  • 700XX
Web
In the month ofXX/XX/XXXX, I contacted Discover Bank, in reference to an old debt I had with them aging back to XX/XX/XXXX. This debt occurred during the time my now ex-husband and I had just buried a child, he lost his well paying job, and it was a decision to pay either the light bill or my credit card bill from one income. However, in XX/XX/XXXXwhile speaking to an agent, I advised them I wished to pay my XXXX dollar debt. In doing so, I was transferred to a supervisor in the collections department. After speaking to the gentleman, he advised me that I could no longer pay the debt because it was charged off to a 0 balance and I was set to receive a 10-99C form in the mail, in which I did by the month of XX/XX/XXXX. After receiving that information, I made my loan officer aware of the situation. Months went by and my credit began to improve, but through another XXXX XXXX credit check in the month of XX/XX/XXXX, my loan officer noticed where I needed to pay Discover in order to get a credit rescore, to add a possible XXXX points. It was then that I reminded her, that paying discover could not happen due to the first failed attempt, and it having to be claimed as income, due to the 10-99 C form. She then advised me to contact them, let them know what's going on, and to request a letter from them stating the account was closed and charged off, in which Discover agreed to do, but the letter was never received via fax or through mail, as stated and agreed it would be. My loan officer then decided it was a good idea to call Discover, because they are reporting an unpaid balance to the credit bureaus, showing as if I could pay to clear it up. So on the evening of XX/XX/XXXX, my loan officer and I got on a conference call with Discover, attempting to resolve the issue. After being transferred through three different people, the third and final person, tried to explain the account would not show a zero balance as it wasn't paid off, however it was wrote off. He also began to state, that I could send a check voluntarily to show the zero balance, and to still file the 10-99C form because it wouldn't be retracted upon payment. My concern is simple, when attempting to pay, understanding it wouldn't be totally removed from my credit history, just the zero balance, I was advised of this write off and 10-99C form. I am now able to send in a " voluntary payment '' for a charged off account? How is that possible? Discover wants to not only still get their money, but are willing to not up front take the money, but " voluntarily '' take it, while still claiming the lost, and holding my points as they report this unfairly.
02/03/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 770XX
Web
On XXXX/XXXX/XXXX I received a XXXX form from XXXX XXXX XXXX XXXX for an alleged account I never heard about. I never received any correspondences from this company. My husband called and spoke to a XXXX at XXXX XXXX on XXXX/XXXX/XXXX at XXXX time, who told him that the department that handled it was closed at to call back on tomorrow by dialing the same number XXXX XXXX ) to Ext XXXX. We then contacted the original creditor listed on the XXXX ( Discover XXXX ) and spoke to a XXXX XXXX at XXXX time until XXXX time, who informed us that this alleged account was opened XXXX XXXX and was sold XXXX XXXX and the address listed on the account was XXXX XXXX XXXX XXXX XXXX XXXX La XXXX, which I never lived at. we asked if we could file a fraud notice because this was the first time we have heard about this alleged account that 's over 21 years old, he said because the account was no longer in there system they could n't do anything. He gave us a number to the company it was sold to in XXXX XXXX XXXX ) but it is no longer for a collection company. So my husband called XXXX XXXX back today ( XXXX/XXXX/XXXX ) and spoke to a XXXX at ext XXXX and asked her about the alleged account and she stated that they brought the account in XXXX and tried to reach me to collect on the alleged debt. My husband asked her how could they try to collect on an alleged debt that was 10 years old at the time they brought the account in XXXX since the account was closed by Discover in XXXX, she said it was valid at the time to collect on it but the Statute of Limitation of Debt Collection in Texas is 4 years. She was asked how could they send out a XXXX without notifying us of the alleged debt, she kept saying they tried calling and sending mail but it was getting returned, but they were able to mail a XXXX to us at the address we have been having since XXXX, just did n't make any sense. She said we had to send in a fraud affidavit for an alleged account that is over 21 years old to get them to investigate and remove the XXXX, at that time she was advised that the Fraud affidavit requires that we file a police report for Identity theft and that we would be told by the police that it was too old to report identity theft, and she replied you do n't have to contact the police you can fill it out like that and return it. So she was also advised before the called ended that we would be filing a complaint with you CFPB, XXXX and that they were committing Mail Fraud by mailing and reporting an alleged debt that does n't belong to me and because they never sent us anything in writing before they reported the XXXX to the XXXX and mailed it to us.
02/04/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • MD
  • 20774
Web
Application # XXXX My name is XXXX XXXX XXXX, I am the natural living women, I recently applied for a Credit card using Discovers Credit application and was shockingly denied... I am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ) .. when you ran my credit by using my credit card ( XXXX XXXX ), as we entered a consumer credit transaction that I initiated pursuant with FECO ( Fair Equal Credit Opportunity ), specifically, 15 USC 1602 ( i ) ( VIOLATION 1 ). At this time my social security card was used as a credit card to fill out an application. THE XXXX ( which your company participates in ) states I as a natural person that was created by GOD can not be denied credit on application, I have clearly been discriminated against character at the time of my denial, which is in accordance with 12 CFR 100.2 ( c ) ( i ). ( VIOLATION2. ) I noticed I was denied credit however proof we entered a consumer Credit transaction is on my credit report listed as an " inquiry '' or request for truth or information congress clearly states under 12 CFR 100.2 ( m ) ( VIOLATION 3 ), that a CREDIT TRANSACTION, means every aspect of an applicant 's dealings with a creditor regarding an application for credit including INFORMATION REQUEST, which is the exact " inquiry '' I received on my consumer credit report, as well as the report that your company sent, confirming they ran my consumer credit report to search for information pertaining to my request of an credit card with Discover. The credit card you used to extend credit to yourself, and notI as a natural person, was my social security card as congress states under 12 CFR 100.2 ( k ) ( VIOLATION4 ) that credit card means ANY card or plate, such as my social security CARD, congress clearly defined what a credit card is pursuant to 12 CFR 100.2 ( k ) ( VIOLATION5 ). I was not approved for a credit card as requested, as the natural person. Lastly, Congress states Nocredit card shall be issued except in response to a request, or application thereof " pursuant to 15 USC 1641. At this time, it is unlawful, impartial, and unethical that your company has denied me as a natural person for a credit card when it is CLEARLY AGAINST THEFEDERAL LAW. It is unfortunate I had to go through this unnecessary stress of being denied of credit based on a credit application!!! I am now demanding reconsideration and exercising my rights as a federally protected consumer, to be approved for a credit card with your company, based on the information of the Federal Equal Credit Opportunity Act which is stated above, of a credit card of {$25000.00}.
12/09/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 93560
Web Servicemember
After XXXX XXXX from the military ( 20+years severed ) and another 16 years working as an XXXX in the corporate world. I as looking to find something I could do to earn money at home. After some research I received a email about an exciting and new way to earn money legitimately online at home. Initially for sign up and entry into the 21 step program a fee was required. It was advertised to bring big back end commission payouts with out handling any packages, talking to people or directly selling to the customer. Also once the customer signed up a phone sale team was present to handle all of your leads through process. The process was to guide the buyers through a funnel to arrive at the back end for the big payout earned, but first in order to sell the XXXX products a fee was required to buy the license rights to sell. The compensation for the largest payouts and your hard earned lead potential commissions to be pass by and above you, constantly up sold at every turn to position your self to get the back end payout you earned. The best and highest position at the time was to become a Diamond Consultant. A fee for each step Titanium, Platinum and then Diamond, highest was required for best possible position for earning big commissions. The opening of the DISCOVER credit card-XXXX in the amount of {$10000.00} was opened for this reason. To fund the amount of money needed for Diamond membership. Primarily we were guaranteed that this proven system would pay for the money invested with in the first six to eight months. The continued earnings of money ( income ) would then be used to reinvest and grow the company. However the proven system failed to produce what was advertised. Sales did not occur thus the ability to pay the card became increasingly difficult. I was told I would be making more at a rate enough to payoff my investment with in a year and continue to live a comfortable lifestyle. Quality Traffic as we were advised to use was not cheap. I discovered FTC caught on to this companies operations and shut the whole company down ( see FTC attachments ) Close to an overall of {$110000.00} out and a return of only {$4000.00} even with all the additional work I was doing like XXXX XXXX Ads, webinars and XXXX ads in addition to solo ads did not help. I need help! After shut down of XXXX, no service, no products I bought, licensing rights to sell those products, the phone sale team, coaching assistance, member network, website and it services non existent. I have used my savings and about to loose my home and its belonging, this has cause grave hardship and I am lost as to what to do. I need help asap.
04/24/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • FL
  • 33181
Web
In XX/XX/XXXX of 2020 I received an email soliciting an " offer '' from Discover credit card. It said If I registered to XXXX 's XXXX and use my Discover Card..I 'd get a {$45.00} credit.I activated this offer and went to XXXX XXXX on XX/XX/XXXX ( the offer expires XX/XX/XXXX ). XXXX 's XXXX activated my account and I paid {$45.00} to XXXX XXXX XXXX because that's what Discover told me to do in order to get a {$45.00} statement credit from Discover. After that, I spent over {$600.00} at XXXX XXXX XXXX over the next few days. However i never received my {$45.00} statement credit from Discover. I called in XXXX and was told my Discover rep that it takes 2 billing cycles. So I decide to wait 4 billing cycles. I called today, XX/XX/XXXX and spoke w a rep who advised that I didnt get the credit from Discover as " XXXX XXXX XXXX " forgot to register me and Discover needed me to call XXXX 'XXXX XXXX and correct this. She advised thar once I do that to call back and ALL the notes were in the system in case someobe else annswered. She said that by callinf Idsocver bsck AFTER calling XXXX 's XXXX, I'd get my statement credit. I asked the rep many times why i needed to do that as it didnt seem to make sense. It felt like " brush off ''. But, the Discover rep assured me once i did that and called Discover back to confirm i had done that, then Discover would be able to provide me w my long overdue {$45.00} Statement Credit. I called XXXX 's XXXX and explained the situation. He asked me a few questions and then told me " you're all set Mr.XXXX we now have you registered. Its odd since you were already registered and already made multiple purchases at XXXX XXXX XXXX AND you used your Discover card each time '' I called Discover and spoke to a new rep. She advised a conflicting report and none of the notes the previous rep wrote were there. I couldn't believe my ears. The first Discover rep gave me a clear/concise set of instructions on what to do in order to receive my credit. The 2nd rep and her subsequent manager made NO effort to even understand my case and immediately admitted she knew that Discover and XXXX 's XXXX made an error that she couldn't help me. Her name is XXXX XXXX of XXXX, AZ. In the end, regardless of any mistakes or blunders caused by XXXX, Discover or XXXX 's XXXX i did what I was required by Discover to do in order to receive my {$45.00} statement credit. They enticed to go out and spend money at a specific business and for that, they would reward me. And now they dont want to pay and people like XXXX XXXX of XXXX, AZ make smug comments and tell me she and Discover could care less about me.
07/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • 243XX
Web
Many attempts to contact XXXX XXXX XXXX during the past year are unsuccessful to resolve credit information affecting my personal credit file. Each attempt to telephone DISCOVER, I get the same bad customer service because the agents have NO AUTHORITY to produce any documents and I get transferred from one department to the next none of these agents can help me resolve any problem within their company. * XX/XX/XXXX, A letter was drafted to DISCOVER to affirm the provisions of a prior affidavit was not met and statement copies sent to me reaffirm that XXXX does not have any Proof-of-Contract to verify the alleged debt reported to the national credit reporting agencies ( XXXX, XXXX, XXXX XXXX, and XXXX ). * XX/XX/XXXX, I asked for proof of contract because DISCOVER has refused to even provide me with all the elements of a contract. The paper identifies all the elements of a contract and the fact the lender does not conform to Federal Regulation Z. There is also information that DISCOVER refused to inform the CRA that a report of Identity Theft was submitted per FCRA Section 605B and the lender refused to block information from credit reporting and/or inform the consumer of any action as stated on the included disclosure. * XX/XX/XXXX, A Denial of Debt Affidavit was ratified by the Circuit Court in my jurisdiction that outlined the dispute I have with DISCOVER and their refusal to produce Proof-of-Contract necessary as UNVERIFIED CREDIT REPORTING remains on my credit File after a year of disputed verified by the CRA. * XX/XX/XXXX, I mailed a reminder to DISCOVER indicating that a rebuttal is required by XX/XX/XXXX in the form of a sworn affidavit to VERIFY the account reported is accurate and meets the legal definition as listed in XXXX Law Dictionary as VERIFICATION-of-DEBT. * XX/XX/XXXX, A ratified affidavit of Truth & Fact was mailed to DISCOVER to the address listed on my credit reports. Discover responded with a form letter stating their company refuses to comply. * XX/XX/XXXX a settlement offer was mailed CMRR to DISCOVER offering payment-in-Full in exchange for the instrument proving indebtness. XXXX XXXX XXXX never responded to accept my payment to settle the alleged account. XX/XX/XXXX, a second offer was also mailed CMRR, once again, DISCOVER refused my payment in exchange for the PAPER required to lend money or credit per TILA. There is no question that DISCOVER is not in compliance with the consumer lending laws and I demand this account be immediately DELETED from my credit file unless DISCOVER can produce a 'certified copy ' of the PAPER on file in the form of a lending agreement.
10/10/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • NY
  • 11369
Web
I have an issue with Discover Student Loans. They have misrepresented my loan and the amount owed to the credit reporting agencies by claiming I had over 6,000 dollars of principle added to my account an have placed over 5,000 dollars of interest that were supposed to go to the principle balance. My loan was for XXXX and I paid back over 24,000 dollars. In my billing statements Discover reported that I paid XXXX dollars in principle and over 10,000 in interest which would have put my principle amount owed to XXXX. They were reporting that I owed over {$18000.00} with about {$14000.00} still remaining on principle. I sent in certified letter on XX/XX/XXXX to Discover Student loans to find out where this error came from as I never did a refinancing loan ( consolidation or rehabilitation, etc. ) with there company and asked them to provide proof if I did so. In addition, I told them I wanted a hard copy of my contract with them for review. They did not respond to my letter. I called their company on XX/XX/XXXX and during the conversation the representative said, they received my letter and will sent me the requested documents to the address I gave in the letter. They did not sent out contract and documents requested. On XX/XX/XXXX, I called Discover Student Loans again and asked them to receive a hard copy of my contract I signed to obtain my student loan with then and any documents saying I asked for additional funding for my student loan. I asked them directly do they have any documents stating where the extra XXXX dollars of principle came from. They said they did not know, and that it could have been a glitch in their database as they had no records of why my principle amount was altered. They said they would send me my contract in the mail again for my review and would looked in to rectifying this problem. I told them to mark my account as disputed to the credit reporting agencies until this issue was completed. The representative said it would take 3 days to go into affect. After checking my credit reports ( XXXX, XXXX, XXXX XXXX ) and not seeing that this account was mark as disputed, nor reviving any information from Discover on this matter, I sent in a second letter which they had to signed for on XX/XX/XXXX demanding a hard copy of my contract with their company and to have the account mark as disputed or be in violation of the Fair Credit Reporting Act 623 after I told them that the account must be reported as disputed. I have repeatedly asked them to show the evidence that I owed XXXX dollars to them and they have chosen to ignore responses and violate the Fair Credit Reporting Act
12/18/2015 Yes
  • Credit card
  • Customer service / Customer relations
  • CA
  • 91402
Web
On XXXX XXXX 2015 I Applied Online for discover credit card after I check the status I was very negatively surprised to see I was declined, I contacted discover customer service agent and was informed that the reason why I was denied is because i had old account which was closed by credit granot because it was inactive which by Federal Law and By Equal Credit Opportunity Rights is not Legal to take adverse action because you had account in good standing and it was closed due to inactivity. After asking to speak supervisor and my request was escalated I was not lucky to be introduced to XXXX XXXX XXXX. She Told me she will investigate why and after 7 or more days could n't give me fair and legal answer, The Answer remained same that because I had Joint account and account was closed due to inactivity and I can not apply to join Discover Card Family. Please know I contacted in meantime with XXXX Credit Reporting Agency and obtained my free credit and score allowed by law if creditor takes adverse action to verify if I have any negative items or any other reason that my credit card application can be declined in which I saw and can confirm that I have Perfect Credit And only 12 % XXXX Population can have So Much Perfect Credit and XXXX Fico Score. I am writing to you because The service was not carried out with the necessary skill The service was not carried out with proper care and attention The decision is not acceptable and I will file claim to Consumer Financial Protection Bureau, XXXX, Federal Trade Commision I was treated very unfairly and in my opinion law was broken I suspect maybe there are other reasons like Race Sex national Origination or other reason which is not allowed to be used to make credit decision. and many other reason ... According to Equal Credit Opportunity Rights, prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance. Creditors may ask you for most of this information in certain situations, but they may not use it when deciding whether to give you credit or when setting the terms of your credit Please keep in mind I have Great Credit And Very Good Income And My Debt to income Ratio is Almost 0 % Also I want to Mention I have More Then 20 Year Credit History And I never been Late and or seriously delinquent and Never in My Life I Filed Bankruptcy. I would appreciate your response as soon as possible. If you wish to discuss this further, I am contactable by telephone/email Phone number XXXX XXXX XXXX Sincerely, XXXX XXXX Discover Card Apllication reference number is : XXXX.
04/26/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • FL
  • XXXXX
Web Older American, Servicemember
Since XXXX Discover Credit Card Bank kept raising my credit limit where it would be impossible to cover in whole now entrapped methodically with penalty fees mounting. I am a 100 % Veteran Administration XXXX XXXXXXXX XXXX Veteran living month to month on lower-fixed-income benefits since XX/XX/XXXX single, currently age XXXX with no savings account or assets. I am a rescued XXXX XXXX veteran living in XXXX County Florida taken off the streets in XX/XX/XXXX securing residency where I still reside. Discover was a constant caller menacing with threats in USPS mail demanding payment which my VA underfunding simply doesn't allow for. Discover belligerently refused a credit consolidation loan twice when I was up to date in payments then I watched my hard earned XXXX credit rating terminally disintegrate over the months and years that followed. I received a Small Claims Court summons by a Discover Attorney and appeared submitting my " exempt '' VA and minimal Social Security documents to the court in a timely manner. XXXX court appearances I witnessed my XXXX condition for 100 % XXXX and every piece of my defense was equivocal to when the government uses black ink on official documents in every line my defense was methodically " blacked out '' as the judge verbally dismissed any defense provided her. The " two party contract '' was tampered with as the court only considered the Plaintiff throughout the entire trial and Final Judgement. Application for a credit card formally is a two party agreement but in court Discover altered that agreement after the fact prosecuting instead an intended conversion to a single party contract, voiding legitimacy. Other complaints to CFPB Discover refused to acknowledge my 100 % exempt documented XXXX benefits and vehemently pursue collections now locked in for 20 years with Circuit Court Final Judgement with increasing percentages and taxes annually against funds that are not accessible to them in collections. My last complaint with Discover CFPB " XXXX '' determined Discover has done no wrong even after being cited with two Florida State Statutes forbidding collection of exempt income. As she also noted she will refuse any further communication or responses and refused further cooperation with CFPB in the future rather than simply dismissing their case in XXXX XXXX in compliance with Florida Statutory law. Where now Discover is willfully, wrongfully intending to collect from documented protected income with criminal intent causing undue mental anguish from day to day compounding symptoms of my XXXXXXXX VA outpatient XXXX XXXX XXXX status vehemently and unrelenting..
08/24/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CO
  • 80209
Web
I contacted Discover several times over the last 3 years via phone, chat, and email to investigate identity theft that happened. They have yet to accurately complete an investigation, have never gave me temporary credits previously, never froze my account, and never helped me to take preventative action. This led to Discover sending additional and UN-authorized cards to addresses that I have never lived at, and to people that I do not know. The fraud continued to happened and led to over {$10000.00} ( and possibly up to {$50000.00} ) worth of fraud charges that I am still attempting to be reimbursed for from Discover. These were some of the first charges and if Discover would have taken action, a lot more could have been prevented. I have provided police reports, FTC identity theft reports, credit reporting reports, and my own personal expenses to hire experts to prove that my identity was stolen and fraud happened on my card. The following charges in early 2017 should be investigated as they were not authorized. In addition all charges for unauthorized cards should be removed. XX/XX/17 XXXX XXXX XXXX XXXX XXXX CO {$27.00} XX/XX/ XXXX XXXX XXXX XXXX XXXX CO {$9.00} XX/XX/ XXXX XXXX CA {$100.00} XX/XX/ XXXX XXXX CA {$27.00} XX/XX/ XXXX XXXX CA {$51.00} XX/XX/ XXXX XXXX XXXX XXXX XXXX CO {$12.00} XX/XX/17 XXXX XXXX XXXX CA {$190.00}XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$30.00}XX/XX/XXXXXXXX XXXX CA {$87.00}XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX CO {$30.00} XX/XX/ XXXX XXXX CA {$63.00} XX/XX/ XXXX XXXX XXXX XXXX XXXX CO {$35.00} XX/XX/ XXXX XXXX XXXX # XXXX XXXX XXXX CO {$53.00}XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CO {$11.00}XX/XX/XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX CO {$5.00} XX/XX/ XXXX XXXX XXXX # XXXX XXXX XXXX CO {$25.00}XX/XX/XXXX XXXXXXXX XXXX CA {$130.00}XX/XX/XXXX XXXX XXXX XXXX NY {$48.00} XX/XX/ XXXX XXXX XXXX {$110.00} XX/XX/XXXXXXXX XXXX CA {$60.00} XX/XX/ XXXX XXXX XXXX XXXX CA {$60.00} Up to today Discover has not provide any findings for any of my requests for investigations into fraud. Discover has not provided any evidence that these are legitimate charges. Discover has knowingly sent my credit cards to incorrect addresses to a known fraud user. Discover has provided no monetary response to the financial hardship they have put me through. Discover has falsified or removed their documentation to cover the lack of action. I have seen that my current balance is negative. There are no details but a generic balance transfer amount to possibly cover all the fraud charges. However they are not allowing me to close the account and take this money that is owed to me.
03/08/2016 Yes
  • Credit card
  • Credit determination
  • CA
  • 95118
Web
Discover sent me a preapproved application for credit. I have perfect credit scores and submitted an application based on their offer. After I submitted the application, their system asked me to call the company directly, I tried calling Discover the same day, and they were closed ; so I had to call the next morning. When I called, the analyst that answered the phone told me that the credit decision might need another 24-48 hours to finalize processing. That sounded odd to me since most applications are approved immediately. I inquired further into why it will take so long? The analyst at Discover gave me no real reason as of why, and it seemed that she truly did n't understand her company 's process, at that point, I was disappointed with clarification, and with the training Discover provided their employees. Since my call was a waste of time, I did n't care to stay on the phone any longer. I wanted to move on with my day, so I hung up expecting a decision in the mail. Three or four days later, I receive a letter that my credit application has been withdrawn. I never agreed to withdrawing my application, they ran my credit at Discover impacting my credit scores, and they denied me credit without my authorization. I called Discover back, and the representative that answered stated it was the analyst decision to withdraw the application based on her assumption that I might 've not wanted to move forward, and if I was not happy with what happened, I would need to call Experian the credit company directly to discuss my credit check. I called Experian, and was not able to connect to any live human beings, it was one phone tree after another, and then at the end, the line gets disconnected no matter how many times I called. I was very upset and wanted to speak to a manager at Discover since this has impacted my credit, and wasted my time. After calling back and being put on hold, I was able to speak to a manager by the name of XXXX, she basically told me that she can not do anything, and that if I was still interested in a Discover Card, she would have to run my credit again. Now I do n't think a company should be getting away with this, they falsely advertised to me offering a pre-approval, and when I did believe them and applied, they had me waste my time to personally call them, then they wrongfully withdrew my application, denied me credit without confirming with me if that was my true intention, and impacted my credit scores with their useless credit inquiry. Something needs to be done to protect consumers out there from this type of predatory advertising, and Discover 's bating and switching.
09/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30005
Web Servicemember
I hereby dispute the current payment status and remark comment associated with my credit report for DISCOVER BANK for a Credit Limit of {$9000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. The extended duration of the inaccuracies in my Payment History for Current Payment Status and Remark comment serves as evidence that the credit reporting agency and the furnisher knowingly and recklessly violated the FCRA. I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections. Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.
12/19/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Problem with customer service
  • IL
  • 60030
Web Servicemember
In XX/XX/XXXX, XXXX and XXXX XXXX applied for a Discover Student Loan for the amount of {$36000.00} for tuition for the XXXX XXXX XXXX at XXXX. The amount was to be used to pay tuition and costs for the XX/XX/XXXX-XX/XX/XXXXschool year, in the amount of {$18000.00} per semester at the interest rate of 7.99 %. XXXX is the student, and XXXX is the parent-cosigner for the loan. At the time of the first disbursement of the loan, the XXXX XXXX XXXX Office of Financial Aid informed XXXX XXXX that the loan was only certified for {$18000.00} for the year, instead of the originally approved {$36000.00}. XXXX XXXX contacted Discover and informed them about the problem. Discover asked to have the University re-certify the loan in the amount of {$36000.00}. XXXX XXXX contacted the University 's Office of Financial Aid to inform them of the problem. On XX/XX/2018, the University 's Senior Financial Aid Administrator, XXXX XXXX XXXX, sent XXXX XXXX an email, confirming that the University had sent the required notification, certifying the original {$36000.00} amount of the loan request, and verifying that the above amount needed to be split between the fall and spring semesters. An email from the University 's Senior Financial Aid Administrator, XXXX XXXX XXXX is provided below, for your reference. Immediately thereafter, XXXX XXXX contacted Discover, and they verified over the phone that they received the email, and that the problem was resolved. On or around XX/XX/2018, XXXX XXXX contacted Discover to verify that the loan would disburse as previously agreed. Discover reported that there was no disbursement pending, and that the loan closed out at the amount of {$18000.00}, and was not available for the 2nd semester of school tuition. Discover suggested that my XXXX and XXXX XXXX apply for a new loan, which was done The new loan for the second semester came back at the interest rate of 9.240 %, instead of the original 7.99 % interest rate. Discover has made the error with the disbursement. The University did correct Discover 's mistake, and did certify the correct amount for the loan, and that it was to disburse for 2 semesters. I ask that Discover be held to its originally agreed interest rate of 7.99 %, and should not be allowed to profit for the mistake it made. XXXX and XXXX XXXX would be grateful for any assistance you can provide. XXXX XXXX, Student at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Father of XXXX and guarantor of the loan *** A copy of XX/XX/2018 email from Senior Financial Aid Administrator, XXXX XXXX XXXX of the XXXX XXXX XXXX is attached to this complaint.
09/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30005
Web Servicemember
I hereby dispute the current payment status and remark comment associated with my credit report for DISCOVER BANK for a Credit Limit of {$9000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. The extended duration of the inaccuracies in my Payment History for Current Payment Status and Remark comment serves as evidence that the credit reporting agency and the furnisher knowingly and recklessly violated the FCRA. I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections. Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.
01/08/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NY
  • 11367
Web
I was a victim of fraud on XXXX XXXX 2017. An individual pretended to be an IRS agent and told me that I had owed a one time charge from Federal loans from school. This individual had all of my personal information, including the address of my workplace and as well as my background information. He gave very specific instructions and that I should follow or else they were going to arrest me with a warrant on the same day. Feared for my life, I ended up purchasing gift cards at two different XXXX stores on the same day which totaled up to XXXX. When I finally found out that I was being scammed I had immediately called the police, notified discover about the incident and went to one of the XXXX stores to see if there 's anything that I can do. At the store, the associates had informed me that there was n't anything left on any of the gift cards and gave me a number to call to seek better help from XXXX. When I called the next morning, the associate on the phone had informed me that they 've known about scams such as for the last two years and that my loss is minor in comparison to others. After about a month and a half later, I had called XXXX once again for a related issue. This time around, an associate had was actually kind enough to see if there are any balances left on any of the gift cards. To both of our surprises, there were actually balances left in one of the cards but we were a step too late as the individual had actually already made a purchase right before we were able to stop it. The associate had informed me that the detective will be able to trace purchases made as they have cameras installed in stores. Right after I got off the phone with the associate, I contacted the lead detective on my case immediately and translated the piece of information over. To my surprise, she was confused as well since when she had reached out initially, XXXX had informed her that there is no balance left in any of the gift cards. I then had also reached out to Discover, who had informed me multiple times on several phone conversations that they will be able to cover my loss initially but went back on their words and pretty much told me that I 'm responsible for the charges unless I have further evidence. When I had contacted them with further evidence, they had told me that they do not accept recordings or police report and that the case is closed. But I do n't see that written anywhere on the website besides being told verbally over the phone. So now I 'm buried with charges that I was informed initially that I wo n't have to be responsible for and have absolutely zero help from anyone.
02/19/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • WA
  • 98033
Web
This complaint is made against Discover it cashback credit card and their unfair business practices with regards to cashback redemption for eCertificate and access ( or lack thereof ) to the said eCertificate. On XX/XX/2019, I redeemed {$50.00} worth of eCertificate for XXXX XXXX for {$45.00} worth of Discover cashback dollars. I ended up canceling the dinner due to long wait and did not use this eCertificate. Today, I was thinking of using this eCertificate and found out that I can no longer access this eCertificate from Discover card website or Discover mobile app because the cashback Redemption History only goes as far as 2 years back. I called Discover customer service as typically staffs have access to the older transactions and data that is no longer viewable by the customer. I spoke with a supervisor and although she's able to see the transaction, she said there's no way for the eCertificate details to be retrieved because it expires 2 years from the redemption date. I'm left with no recourse at the moment : I don't have access to the eCertificate, nor I can request for the {$45.00} in cashback balance to be refunded as I'm unable to use the product that was purchased with the said cashback balance. I hereby attached the screenshots of eCertificate definition and XXXX XXXX XXXX terms and conditions that I obtained from Discover website, none of them mentioned about 2 years expiration as eCertificate/eCard has no expiration just like physical gift card. The fact that Discover is cutting customer access to eCertificate that they purchased after 2 years is an unfair business practice designed to make customers lose their hard earned cashback dollars. Access to eCertificate/eGift-card details should never be cutoff nor invalidated this way, as the way it is delivered to the purchaser is fundamentally different to physical gift card. eCertificate details are never sent/delivered to the customers over emails. Order confirmation email typically only contains a secure link to retrieve the details, so there should not be a time limit for accessing the eCertificate details if there's no expiration for the eCertificate itself. As reference to understand the significance of my loss here, in order to earn {$45.00} in Discover cashback that was used to purchase this eCertificate, a Discover card customer would need to spend at least {$900.00} in the bonus category that earns 5 % cashback or spend even more in non-bonus category that only earns 0.25 % cashback. Hence this is not a negligible loss, and this unacceptable and unfair business practice by Discover card shall be rectified by CFPB.
10/23/2019 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • MD
  • 21784
Web
I got a private student loan to finance my XXXX expenses. I graduated in XXXX of XXXX. I then went to XXXX XXXX in XXXX of XXXX. Discover agreed to defer my loan payments until six months after I XXXX XXXX XXXX. I graduated in XXXX of XXXX. In XXXX of XXXX Discover decided that my loan was all of the sudden due on XX/XX/XXXX ( in violation of the agreement we had made ). After refusing to pay on my loan until XXXX as we had agreed discover began to endlessly harass me via autodialed phone calls. I called in XXXX to attempt to straighten things out. Discover 's agents said I could upload my transcripts to show I had been in school and that they would undo any actions they took that would undermine my credit score. I uploaded my transcripts. Discover all of the sudden said that was inadequate and asked for a certified letter with my dates of attendance. I called and explained yet again that I had graduated in XXXX of XXXX and my first payment should be due in XXXX. The agent on the phone said that is 100 % correct and I asked several times for her to confirm my payment due to date was now in XXXX. She replied in the affirmative. Discover decided to continually harass me anyways so I called yet again and explained the situation. Discover agent then told me to upload a certified letter with my dates of attendance and said if i returned to school the grace period would indeed be 6 months after I graduated my new school AND they would undo any actions they took against my credit score. I sent the letter and then was harassed yet again by auto calls. I called yet again and this agent said I had spent 6 months out of school between XXXX XXXX and XXXX and the grace period actually ended in XXXX of XXXX. I explained what I was told by the other agent and he did not seem to care and continued to just mindlessly read off of his script. He also explained that I missed fall of XXXX ( which was untrue I attended class in XXXX but spent a month in the hospital with a life threatening illness ) so even if I went back to school the grace period once again lapsed once I went to the hospital and demanded I make payment or my loans would default. In some discover made willful misrepresentations on the status of my loan. Lied about the grace period several times and reported fraudulent information that adversely affected my credit score. Not really surprising though because Discover did get sued by the federal government for deceptive trade practices. I'm looking forward to their canned response where they admit no fault and pretend to be sorry for the deceptive trade practices they employed against me.
09/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 92011
Web
No action was taken! I was lied to by Discover Card services and they also lied to CFPB XXXX XXXX and claim CFPB XXXX XXXX also for XXXX XXXX XXXX XXXX i submitted a claim to Discover Card Services For unauthorized subscription fraud account charges by XXXX XXXX Discover on XX/XX/2022 they reversed the charges back and I received credit then without my knowledge Discover reversed the fraud charges back to my card! And again Allowed XXXXXXXX XXXX to charge a new charge on my account on XX/XX/2022 There was no update on the dispute from XXXX XXXX Discover Card had claimed the matter of the disputed charges of the claim was being investigated but it is not! The charges are back on my card and they allowed XXXX XXXX to continue to Charge my account yet again!! On XX/XX/XXXX! I called Discover and the operators in billing and in Fraud Dept say they do not have this claim on file! And they ( Discover Card ) has allowed XXXXXXXX XXXX to charge my account again in XX/XX/2022 with out my authorization or my knowledge! This again is after I filed the dispute for fraud! Today XX/XX/XXXX I have requested to cancel and replace my card with a new card to prevent further unauthorized charges as Discover has done nothing to stop the fraud and disputes! Discover fraud Dept has unqualified operators answering the claims they make jokes and Manipulate the conversation they put in a Charade of distractions instead of being professional! I spoke with XXXX today at XXXX XXXX XXXX ; and in Ohio it was XXXX their time ; I asked to speak with his supervisor after a lot of back and forth nonsense his response was well its too early to get a supervisor non of the Discover Customer phone operators are professional they claim not to have my phone number on file they dont know about a claim that was just opened even after providing information to them they put on a charade its very frustrating to deal with Discover card customer service. I dont know what is happening with the dispute! I had to close my card account and have a new card issued to prevent further fraud! I am very frustrated at the lack of information I am given by the Discover Card phone services billing and fraud are awful! They give false information about the claim they claim not to have information and say charges are valid until investigation is complete but no update is given and I am being told by Discover that another charge was authorized in XXXX but I was never notified! I am very frustrated the lack of support and And information given by discovery card phone operator in all departments at Discover card services! I still do know anything!
10/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19132
Web
Affidavit Of Truth To Update Information XXXX XXXX NOTICE AND DEMAND TO UPDATE INFORMATION From : XXXX XXXX Street Location : XXXX XXXX XXXX XXXX City & State : XXXX , PA XXXX To : DISCOVER FIN SVCS LLC Address : XXXX XXXX XXXX City & State : XXXX XXXX DE XXXX Zip Code : XXXX REF : Your correspondence purporting to allege LATE PAYMENT DISCOVER FIN SVCS LLC Account # XXXX NOTICE OF CLAIM UPDATE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS *******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ I XXXXXXXX XXXX XXXXXXXX , A XXXX, non-Adverse, XXXX, non- combatant party and Executor with FULL LIFE am in possession of your recent voluntary submission of evidentiary documents. DISCOVER FIN SVCS LLC is in violation of 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. DISCOVER FIN SVCS LLC have reported to XXXX, XXXX, and XXXX a late payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. Update all payments to exceptional 2. Apologies to me in writing Failure to comply will result in a violation 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
11/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30127
Web
Discover Bank Fraud Subject : Urgent Matter - Multiple Attempts to Address Fraudulent Charges on My Account Dear Discover Bank Fraud Department I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding my Discover Bank Credit Card. Over the past two years, I have made numerous attempts to address fraudulent charges on my account, but unfortunately, the issue remains unresolved. In late XXXX, I first noticed unauthorized transactions on my Discover Bank credit card statement. Alarmed by these charges, I immediately contacted the Discover customer service hotline to report the fraudulent activity. The representative I spoke to assured me the matter would be thoroughly investigated, and the charges would be reversed. To my dismay, the fraudulent charges were not removed from my account, and I subsequently made several follow-ups calls to your customer service department. Each time, I was assured that the issue would be escalated and resolved promptly. However, despite these assurances, the unauthorized charges persist in my statement. In addition to phone calls, I have also submitted written complaints through your online CFPB, FTC, and Disputes through the credit bureaus. Regrettably, I have not received any acknowledgment or resolution to my concerns. Other than, " We have been unable to contact you, " My contact information is the same. I find it incredibly frustrating and disheartening that my attempts to address this matter have gone unanswered for so long. I am not denying the account is mine. I understand that resolving fraud cases can be a complex process, but Discover Bank lack of communication and action is deeply troubling. However, the current situation has eroded my confidence in Discover Banks ability to protect its cardholders from fraud. Please thoroughly investigate the fraudulent charges on my account and provide a detailed update on the steps to resolve this matter. Additionally, I would like to resolve this matter as quickly as possible. I appreciate your immediate attention to this matter and trust that Discover Bank will rectify the situation promptly. I am willing to provide any additional information or documentation to aid in the resolution of this issue. I have asked Discover Bank for statements showing itemized TRANSACTIONS for the years XX/XX/XXXX through XX/XX/XXXX, but they refused to comply. PS. Enclosed are a list of documents : 1. Drivers License 2. Identity Theft report filed with FTC XXXX. XXXX XXXX XXXX XXXXXXXX stating they are unable to contact me after sending multiple dispute letters.
06/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem canceling credit monitoring or identify theft protection service
  • FL
  • 33936
Web
ear furnisher of information to credit agencies, I am writing to request that you delete the negative accounts and remarks about me that you have furnished to the consumer reporting agencies, XXXX and XXXX. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a, it is important that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for my right to privacy. As the consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801 which states that each financial institution has an obligation to protect the security and confidentiality of customers ' nonpublic personal information. As a furnisher of information to credit agencies, you are a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not given my consent to XXXX, XXXX, or your institution to furnish this information, in any form - verbal, non-verbal, written, implied or otherwise. Therefore, any and all consent to XXXX, XXXX, and your institution is revoked. Additionally, 15 USC 6802 ( b ) ( c ) prohibits a financial institution from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. However, your institution never informed me of my right to exercise my nondisclosure option. Your institution is also violating the law by reporting adverse information about me without my permission. 15 USC 1681C ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes that antedate the report by more than seven years. Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) A states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Your institution must ensure the accuracy of any information you report about me. Lastly, according to 12 CFR 1016.7, I have the right to opt out of your reporting at any time. Therefore, I am exercising my right to opt out of your reporting. Please confirm in writing that you have deleted the negative accounts and remarks about me from both XXXX and XXXX 's records. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX
10/21/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 92262
Web
My response letter was untimely pursuant to FCRA 623 ( a ) ( 8 ) ( E ), which in accordance with FCRA 611 ( a ) ( 1 ) ( A ) would have required Discover to report the results to me WITHIN 30 DAYS from the date of receipt of my notice which was XXXX XXXX, XXXX. Discovers response was mailed to me on XXXX/XXXX/XXXX, which is well outside of the 30-day requirement as prescribed in the following FCRA laws. It appears that Discover received my second dispute notice on XXXX/XXXX/XXXX and attempted to respond to that by backdating it to XXXX/XXXX/XXXX in attempt to appear compliant with the law for the initial dispute. Discovers act of deception was still out of compliance because Discover mailed it outside of the 30-day window for the first dispute, and Discover committed fraud in the process. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) SEE BELOW* within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section. * 611. Procedure in case of disputed accuracy [ 15 U.S.C. 16 ( a ) Reinvestigations of Disputed Information ( 1 ) ReinvestigationRequired ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
12/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MS
  • XXXXX
Web Servicemember
This Credit Card Company name Discover Card Service continue to harass consumer by doing illegal events and tactics to disrupt other credit bureau agencies. I have made my points very clear before and have asked for Discover Card Service XXXX XXXX Department over the months. They have not produced or provided me with such legal counsel office direct contact information. They are still doing illegal events and tactics with XXXX Credit Bureau and XXXX in placing such negative information on my credit profile to cause issues in nature to my credit profile. Discover Card Service and XXXX have had enough time to gather their evidence and send such to me through this forum or panel. Therefore with this complaint resubmitted and on the official and legal record both should be able to send me the written contract signed by me as well as any proof saying that something is wrong with my address, etc. I have disputed this once before with XXXX, Discover Card XXXX, and XXXX for all three are in this together and all three should be able to produce such communication from the Internal Revenue Service and myself giving them authorization and my consent to be tampering with my credit profile. In response to this, I want their legal counsel information so that this legal matter can be taken to court to address these issues for this has gone too far. All three should be held liable for all attorney fees and court fees. I want a copy of all three credit bureau reports to be sent to me through this forum or panels as well and you to have my consent to produce and provide such to the Consumer Financial Protection Bureau before going into court regarding this legal matter of credit issues and character. Discover has been paid and this account or issue is not in delinquency. I have too much proof and records to validate and support this complaint. It is all on the Consumer Financial Protection Bureau 's System. They are in clear violation of the Federal Debt Collection Act under section See 28 U.S. Code Chapter 176, should I say more here... CEASE AND DESIST and get off my personal information and off my credit profile for, I don't owe anyone anything. You owe me MY PROPER RECORDS under the exact PROPER RECORDS, I am demanding here. A credit card company is not entitled to get any of my income tax records or anything that I have not consented to. Show where I have consented to you to obtain any such official and legal records. You should have all the Department of Veteran Affairs records that I signed off on for you to get for your official and legal records. Where are they?
03/31/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • TN
  • 376XX
Web Older American, Servicemember
In XXXX XXXX I went into the hospital for XXXX XXXX XXXX. I was in for 4-5 days.I got out of the hospital and within 2 weeks I collapsed with XXXX at a urgent care center. I was diagnosed with XXXX and was ambulanced to the local hospital. I was in emergency for 2 days and a room for 2 days. With all of this happening to me, my spouse also had contracted XXXX. When I came home on the XXXX of XXXX because of my XXXX about not being late on bills we contacted Discover card and paid the monthly payment of {$55.00}, what was due. The late fee was already in the system and was waved that day. Never missing a payment I was happy. When the bill came for XXXX I see that the {$30.00} late fee was added. A reminder, this payment was due XX/XX/XXXX and I paid XX/XX/XXXX, 3 days late. I called Discover and they told me that the charge had been removed and it would show the next month so I paid what was due, {$55.00}. All of a sudden when I contacted Discover because they had added {$30.00} each month which could never be explained. I have continued to pay {$55.00} each month and they Discover continue to charge a late fee each month on this {$30.00}. As a matter of fact I have chatted with them may times which they say is on record to get explanations. Through all of this I was tempted to cancel this account and the person got irritated with me, ask me if I wanted to cancel and when I did not answer, he cancelled without my knowledge. I was told by Discover that he had no right to do that, I had done nothing wrong but it is still canceled. In addition if you look at the chats you will see that there is another {$20.00} that's been charged for a long time that I was not aware of and they really can't say why. I have been a good customer and am up to date with payments but I will not pay something I do not owe. To date, they are continuing to charge a {$41.00} late fee, still have my account closed and have upped my interest rate since this issue started. There are numerious chats for the record that they have and tell me I can not get a copy of the chats. They have sent emails wanting me to call to assist me with this issue and when I contact them they say they can't assist until I accept the late fees and I will not. FYI, One of the MANAGERS told my wife that if we had not gotten XXXX this probably not have happened. When my wife asked he if she thought this was out fault she said, well you got sick. We are in our XXXX XXXX and this is horrible. I hope you can help. I continue to make my payment each month to this day an the {$41.00} late fees keep adding up. Thank you XXXX and XXXX XXXX
05/06/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • GA
  • 30017
Web Older American
On XX/XX/2019, I was informed by Discover that my credit card had possibly been used fraudulently. Upon checking my account I noticed five charges that had been made on my card by a scammer in XXXX XXXX, Florida. I live in Georgia and have never been to XXXX XXXX. Discover realized the mistake and credited the Florida charges. My account was closed and a new card was to be issued that I should receive in 5-7 days. Discover also added additional security questions to my account including a verbal password stating these additional features should protect me. I also put a security freeze and fraud alert on my credit report. After 15 days, I contacted Discover to inform them that I never received a new card. A Discover representative said the new card had been sent but it had not been activated. When she confirmed my address, she used the XXXX XXXX location!!! The scammer was able to get a new Discover card in my name sent to her Florida address. How is this happening? Again, I attempted to correct the address debacle. Discover closed that account and sent me a new card via XXXX XXXX to my address in Georgia. I received the card the next day. As of today ( XX/XX/2019 ), no new charges have been made to my credit card account. The compliant is that prior to XX/XX/XXXX and since that time the scammer has been able to change my mother 's maiden name and change the verbal password created to protect me. How does a maiden name change? Shouldn't that create alarm? The scammer knows my name, social security number, and birthday. I welcome the third degree I now get when I call and I continue to request additional security on my account as the scammer seems to know everything typically used and Discover falls for it. Additional protection has been provided ; however, I continue to get emails and phone calls from Discover to verify that I want to change my email or home address, etc. Related to this is that I've had fraudulent activity on my Discover Bank account as well ( {$4000.00} ). Previously, I didn't realize that Discover Bank and Discover Card are two different entities and require their own security options. When I thought I was safe with Discover credit card I find out later that Discover Bank doesn't have the new information and visa-versa. The scammer had access to both. Even with the new security measures Discover has taken, I can never trust the Discover credit card or Discover bank again. Thank you PS : My XXXX account was also compromised. One conversation resolved the matter. The account was closed and a new card was issued within days. Thank you XXXX XXXX.
09/05/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30518
Web Older American
On XX/XX/2023, I entered into an agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to purchase XXXX XXXX XXXX XXXX for a total price of {$700.00} which included a service fee for using my credit card to pay for the purchase. I was asked to pay a 50 % ( {$350.00} ) down payment which I did with my credit card. Even though XXXX XXXX XXXX sets up their office like that of a XXXX I was made to understand that they're not XXXX There's no XXXX on staff. I picked up the finished XXXX on XX/XX/2023 and when I picked it up I was dissatisfied with the fit because it was extremely uncomfortable. However, after trying for some time to get the XXXX properly fitted the vendor decided that she had had enough and she ordered me out of her office. I was arrogantly told to leave the office and that if I did not leave the office they would call the police to get me trespassed. Not wanting to interact with the police. I decided to leave and they told me that I had a warranty. I believe it was 30 or 60 days and that they would freely make adjustments doing the warranty period. After a few days I found that the XXXX were still extremely uncomfortable and that everything I tried to consume, even water would cause an astringent reaction and the roof of the XXXX and on top of the stringent reaction, most foods would also cause a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX XXXX and I complained about the astringent and rough feeling on the roof of the XXXX and the suggested I come to their office for adjustments. They also suggest they use any eraser on the top of a pencil to rub the roof off the XXXX I mentioned to them that they were unable to do the proper adjustments while I was at their office so it was useless for me to come back because they may once again offer to call the police to have me trespassed. I sent XXXX a certified letter within the warranty period asking for them to return my money in exchange for me giving back the XXXX. The certified letter was delivered to them but till this day they have not responded. I immediately filed a dispute request with Discover Financial and I sent them a copy of the certified demand letter which was sent to XXXX XXXX which outlined the fact that the goods provided was useless. Discover financial ruled in the merchants favor claiming that the merchant sent them proof that I purchased the goods. I did not deny that I purchased the goods. What I am Trying to explain to Discover is that the goods is no good. I am attaching a copy of this certified letter sent to XXXX XXXX Please help!
03/09/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • KY
  • 408XX
Web Older American
Company has never furnished me any findings of their so called investigations that have been going on supposedly since XXXX, XXXX ; all received has been " closed. Valid '' Nothing is valid about my credit card statements, and can not possibly be valid : There were 28 plus unauthorized charges on my account ; these unauthorized charges went on for 1 1/2 years, XXXX, XXXX through XX/XX/XXXX. The guilty party, being a Law Firm in XXXX XXXX, Fla. got away with the 28 plus unauthorized charges that amounted to over {$47000.00} plus because it was a Merchant of the Company, and because it was a Law Firm. Therefore, my Bookkeeper, who checked the credit card statements, believing they were legitimate charges, did not file a dispute, nor check with me. I never handled my charge card statements. They were all paid by automatic payment, and my bookkeeper checked and posted the statements : She posted these unauthorized charges as " Legal Exp. '' When I found these unauthorized charges I filed immediately a dispute with the proper office as instructed. I never received an acknowledgment or report of any kind in 30 days ; nor did I receive any kind of report of findings after the 60 days. Nor have I received any findings as of this date. But, I know why now : There was never an investigation done ; only a judgment of my dispute : This was admitted to by One who was supposed to be investigating the matter : I was told that Discover does not investigate their own records, nor will they investigate what I send in. They may close the case without viewing my evidence, even if I refer to it in a letter. And unless you send in " new evidence '' they may not open a closed dispute. I have requested the Company to investigate their records to see who the Company paid my money to. We have the name of who made the unauthorized charges ; but I requested they verify to make sure someone had not stolen their identity. I also requested some missing Credit Card Statements. They refused but after probably about 10 to 12 requests they sent some statements, but not the requested statements. I asked if they did not have the statements, either to reprint them or just send me a list of all the unauthorized charges by the Law Firm. So far, since XX/XX/XXXX, have not received. I believe there are more unauthorized charges than the 28, which is why I state 28 plus. I never retained the guilty party, and had no dealings with the Law Firm except I loaned ( paid directly to the Law Firm with my Credit Card, ) the Retainer Fee to others. That is how the guilty Law Firm got my credit card information.
10/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75087
Web
Discover Lies about consumers and I will post their message below. Discover card opened two credit cards FRAUDULENTLY. This is application fraud. Discover blatantly ignored and disregarded my extended fraud victim statements on my credit files and instead reviewed public sources or so they say. Discover says they verified XXXX verified to me by my credit file but its funny because thats not on my credit file and never has been. Discover did not have my permission to pull these applications nor approve them for these cards. I have submitted a LEGAL identity theft affidavit which shows XXXX, and XXXX XXXX XXXX which Discover advised they sent the card to. They said XXXX called in and submitted a separate complaint which I never have and Im not sure whose phone number that is. Its not on any of my public records or credit files. Discovers inquiries are disputed and blocked from my credit files. Discover did not receive my authorization to open any accounts. I did not sign any applications and I did not respond to any texts. As stated DISCOVER CALLED THIS NUMBER WHO AN IDENTITY THIEF OWNS. Has owned and Discover again falsely accuses me saying they verified the phone number. Yet thats not my phone number and never has been. The email address they provided is not my email address and I did not ever register that email address. I did not accept their terms of conditions and I did not make payments on these accounts either. All payments made were from fraudulent checking and savings accounts which if they actually verified are closed as identity theft. Yet they didnt verify that. I am not responsible for these two credit cards they sent to someone else. I did not apply. I did not approve. They didnt clear my fraud victim statements and I did not receive a card nor statement ever. I want Discover to provide evidence that I APPROVED THE APPLICATIONS. I do not take responsibility and these accounts are fraud. You have legal obligation under the FCRA to conduct an actual investigation instead of just falsely accusing the customer. I do not take the answer of you verified to public sources when none of the information you provided verifies to me. All the information on the applications are and were fraud and I did not make charges to either account nor did I receive either cards again this is identity theft and Discover is responsible. Additionally Discover changed these two accounts to my address I currently reside at just last week without my permission. I do not accept you placing my address on fraudulent accounts and without me asking for such you do not have permission.
10/31/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AZ
  • XXXXX
Web
Stayed one night at XXXX XXXX XXXX in XXXX, AZ on XX/XX/XXXX for {$640.00} and booked a much nicer hotel suite than normally booked to celebrate a XXXX birthday. Hotel management failed to notify the room was ready, despite being requested to, and the time available for the amenities was reduced. Upon arrival to the room, there were curtains missing, bathroom toiletries were missing, the carpet had noticeable burn marks in multiple places, and the bed sheets had stains. The front desk informed us the hotel was booked up for the weekend and no other rooms were available. Following checkout we notified the hotel management again of the issues, provided photos, and left a negative review. Hotel management acknowledged the issues that were noted, but offered no remedy or explanation as to why the quality of their rooms did not match their advertised material. The hotel 's mistakes are something they have acknowledged, their rooms did not match the quality that was advertised when the reservation was made, the issue was brought to their attention when they could have resolved it, and they were unable or unwilling to resolve it during or make amends after the fact. My current issue is that I have a right to dispute the quality of goods and services not being as advertised with my Discover card according to the Billing Rights in my cardmember agreement since I made the purchase with a Discover credit card. I have tried to initiate this dispute, and have been told many times incorrectly that it is not something that I can do by Discover employees. This is despite me pointing everyone I talked to toward Discover 's cardmember agreement Billing Rights section, the Fair Credit Billing Act summary text, the FTC information about the FCBA, and the Consumer Financial Protection Bureau 's consumer website explanations about the FCBA that emphasizes that right to initiate a dispute for that reason. After pushing for it to be opened, the dispute was eventually filed as dispute case XXXX. In response, the merchant provided no information to show that the quality of goods and services matched what was advertised to refute my claim. The merchant provided evidence the transaction occurred and that is all. However, Discover 's agents decided that the evidence that the transaction occurred was sufficient and closed the case in their favor. Discover 's agents are refusing to answer my questions and repeating incorrect information instead of handling the dispute according to the contractual agreement that I have with Discover and according to the laws that Discover is subject to.
02/14/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 93619
Web
Several issues here : Issue # 1 : I submitted payments latest one being XX/XX/2019 in the amount of {$1500.00} to Discover via the android app. My payment was taken from my bank and applied to the card but the card did not reflect the payment. I called discover to inquire about this and they said they had to " call the bank for verification the funds were sent '', I have an outstanding payment history with Discover and have NEVER missed a single payment. I use my credit cards to avoid Fraud potential issues on my bank card. When they lock my card down for 8 days ( to call the bank ) it creates hardships as I am scared to use my bank card at gas pumps. I have never heard of a company having to call the bank to get fund transfer verification. This has happened twice now both consecutively. They refuse to unlock the paid amount with the first tech and I always have to ask for a supervisor. I have NEVER seen any credit card company do this. This happened previously in XXXX, after 4 days I had to contact Discover to find out why my card was still locked, I was NOT waiting that long this time. If the money cleared my bank the funds should be available. Issue # 2 : When I originally opened this card with Discover it was secured due to poor credit history from my ex-wife. I was told my card would graduate in 7 months if I had a great payment history which I do. on the 7th month I called in to see if it graduated, I was told the initial graduation was 8 months. I called in XX/XX/XXXX which was the 8th month, they told me it was 7 months and did not graduate. I have made every single payment, sometimes 2-3 a month on the card, it has been 10 months and I am still on a secured card. I see many complaints online in regards to them not releasing deposits back to people but still qualifying them for a {$5000.00} un-secured card. When I inquired about paying off my account and closing it I was told it would be 70 days until my deposit would be refunded. If I have the account paid in full, deactivated where no more charges can hit it and I met my contract obligation my deposit should be released immediately ( yes I know it could take a couple of weeks to write a check and mail it ) but they are refusing. I feel like this is fraudulent actions on Discovers part as I was not notified of these things during the initial setup of my account. I asked for a corporate number to Discover and was denied such rights. The customer retention department was very short and did NOTHING to calm the situation except offer to cancel my account as they said they were sorry to see me go ...
08/30/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • GA
  • 30052
Web
My wife and I were looking to refinance our home. We contacted a gentleman named XXXX XXXX whom we were under the impression he worked with discover home loans. In the first conversation with XXXX we had our credit ran and it all seemed to be going well, we also paid a {$400.00} appraisal fee. Towards the end of the conversation XXXX mentioned that discover was intact merging with XXXX. I was alittle upset because we originally wanted to go through Discover bit figured it would be okay since it was a supposed merger. XXXX informed us that there would be a block out period for about a week for the merger to take place. About 3 weeks after that I received a package in the mail which contained a copy of my credit report and my new login information. I was confused. I checked my credit and found that XXXX ran my credit in addition to Discover. I called XXXX from originally discover and he claimed that the pull was a soft hit when in fact it was a hard pull. I could n't understand why a company that had supposedly merged would pull my credit XXXX. I contacted a representative from discover whom infact told me that they DID NOT MERGE WITH XXXX, but that XXXX bought out discover home loans that were over {$100000.00}. Now I did n't even have a mortgage loan with discover and I originally wanted to work with discover but at no point in our first conversation did XXXX XXXX mention that discover no longer offered loans over a certain amount and he did n't mention the fact that XXXX bought EXISTING DISCOVER LOANS. The representative I spoke with at discover told me that what she thinks XXXX XXXX did was run my credit and took me with him to XXXX. I am very upset because I was n't told the correct information. I was lead to believe that it was a company merger when infact it was n't. I understand that XXXX bought existing discover mortgages, but I was n't a discover mortgage holder. I was mislead. Armed with all this new found information I contacted XXXX and my number was automatically directed to XXXX XXXX. So I called from a different phone number and spoke to a representative and asked for XXXX XXXX supervisor. I was told that I would return a follow up call from XXXX of the supervisors and I have n't heard anything from anyone since then. Now I did a refinance with a company that I DID NOT WANT TO DO BUSINESS WITH because I was mislead and I did not want another hit on my credit and almost 2 months later I still have n't closed. I 'm beyond XXXX for the fact that I was told incorrect just down right wrong information..I was taken advantage of and I 'm very upset.
04/16/2015 Yes
  • Credit card
  • Bankruptcy
  • UT
  • 84003
Web
I was not able to make last month 's payment to Discover Card, because I needed to pay my Bankruptcy Attorney. On XXXX XXXX I started to get the collection calls. My bankruptcy attorney advised me not to answer the calls until I could provide them with my case number. My phone number is confirmed in their system, as I have made many calls to them from this same number in the past. Per FDCPA, collection call attempts are limited to XXXX times per week on a verified number. On Thursday XXXX XXXX, I received XXXX call attempts.On Friday XXXX XXXX I received XXXX call attempts. On Saturday XXXX XXXX I received XXXX call attempts. This totaled XXXX call attempts for last week. On Monday the calls continued. On Monday, Tuesday, and Wednesday, I received XXXX call attempts per day - totaling XXXX attempts and the week was n't even over. Additionally, I received XXXX messages, and neither of them included a Mini-Miranda as required by FDCPA. The XXXX message was received on Monday XX/XX/XXXX XXXX. According to FDCPA, the collector must allow XXXX hours before re-attempting after leaving a message on a verified machine. My full name is provided on my answering machine, thus it was a verified machine. The XXXX message was received on Tuesday XX/XX/XXXX at XXXX. My Chapter XXXX bankruptcy case was officially filed on Wednesday, XX/XX/XXXX. I answered the XXXX attempt from Discover Card that day at XXXX, and advised the representative that my call was being recorded as well. She advised that Discover Card does not " give me permission '' to record the call. I ignored her. She then proceeded to discuss my account details without proper verification, and she did not recite the Mini-Miranda either. I stopped her and advised I had filed bankruptcy. She acted as though she did not believe me. I provided my attorney 's name, attorney 's number, chapter XXXX, and case number. She then continued to try to collect by stating that I 've had an excellent payment history in the past, and that I would have difficulty getting a discharge because my last purchases were as recent as XXXX. I advised her that she would need to speak with my attorney in regards to the matter. She persisted, and tried to convince me that I would have a difficult time filing. I again advised her to contact my attorney. The call was then terminated. Later that evening at XXXX on XX/XX/XXXX I received a collections email from Discover Card indicating my total balance, my past due amount, and the Mini-Miranda was finally provided. Regardless, I had provided my bankruptcy information XXXX hours prior to this.
01/09/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28411
Web
The North Carolina XXXX XXXX accepted my complaint and entered it into record and assigned the complaint for investigation and have initiated an investigation into the violation that an in fact attorney - acting as a debt collector violated my rights when the law firm - XXXX XXXX - through a NC XXXX certified attorney, company staff, XXXX XXXX XXXX, Attorney violated my rights when a Letter was delivered to me through the U.S. Mail signed by the same attorney listed above - violated the Fair Debt collections practices act when the letter contained a demand for monies allegedly owed by me and that the amount the law firm and attorney for Discover Card, by the content signed by her, was in fact more - over and above the amount that their client Discover Card, has attested in dozens of complaints where Discover Card has stated multiple times through their own validation of the debt amount which is and always has been {$2300.00} as indicated on an attached document with this complaint. The attorney, the law firm of her employment, and their client as a whole violated my rights and FDCPA, Federal laws when they attempted to collect {$1100.00} more than the reported amount by their own client, Discover Card. Federal and state laws have been violated by the attorney, firm, and Discover card clearly and indisputably along with my rights being violated under both NC General Statutes and Federal law- and are both have Statutory fines that I am entitled to. {$1000.00} for the Federal violation and {$4000.00} for the NC state violations- Also, Discover Card falsely reported to the credit bureaus that I had made three satisfactory monthly payments, three months in a row and was in fact deceptive in this false reporting to the credit Bureaus of this charged off account in an attempt to reset the 7 year collections rule x, all regarding this one Discover Bank charged off account - when in fact I never paid any months payments to charged off account. XXXX XXXX XXXX XXXX. False or misleading representations A debt collector XXXX not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( XXXX ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or
12/11/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • CT
  • 06854
Web
Timeline XX/XX/2018 ( approximately ) On my mobile phone I receive an alert from Discover Card that a balance transfer offer is available to me. I click on a link that opens the Discover Card application on my ( XXXX ) phone where I see at a glance that a balance transfer offer is available to me on the following terms : 0 % interest for 9 months 3 % transfer fee In reliance on this offer I decide to pay off my Discover Card balance so that I can use the offer to the maximum extent up to my Discover Card credit limit. Using my bank 's mobile banking application I schedule a payment that will cover the balance on my Discover Card. XX/XX/2018 ( approximately ) Seeking to initiate a balance transfer I log into the Discover Card application on my mobile phone but I am unable to do so because at this time no offers are available. Apparently the original offer has been revoked, which is surprising to me because in my experience balance transfer offers are generally available for at least 30 days. There is no " alert '' history in the Discover Card app and no indication that the balance transfer had ever been made. XX/XX/2018 XXXX XXXX EST I call the customer service phone number that is printed on the back of my Discover Card and I speak with an agent named XXXX. He says that there is no record of the recent balance transfer offer. XXXX transfers me to a manager who again tells me that she sees no record of any recent balance transfer offers. She says that on occasion Discover will make balance transfer offers that are only available for " one day '' or a " limited time '' but according to the manager, these short term offers are always visible in a customer 's account history. Apparently I am the first person this manager has ever known who received a balance transfer offer that was not logged into account history. I explain to the manager that I am angry because it seems Discover Card induced me to pay off my balance with the offer and once I did, they revoked the offer. The manager offers to log my complaint internally but is unable to offer any other resolution and is not able to provide a confirmation number that will be associated with my complaint. For consumers such as myself it is always a challenge to manage cash flow and available credit in a rational way. Discover Card 's apparent practice of offering a balance transfer and then revoking it without a trace is a type of deception that might subject them to civil and/or criminal liability as it has the effect of depriving their customers of the ability to manage their finances rationally.
05/10/2017 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • HI
  • 967XX
Web
XXXX XXXX XXXX - I called Discover Student Lo ans and asked about deferment options. Explained in detail that my truck was broken and the estimate I was given to fix it was $ XXXX {$5000.00}. I was told I could defer my payment for XXXX and have repayments start up again in XXXX . They read to me over the phone the clause about understanding how th e 3-month deferment would effect future payments and I agreed. One month later I receive notificati ons that my payments are past due. I called DSL and asked them what happened to my deferment, they said notices were sent XXXX and XXXX , I told them I was on a trip on XXXX and have n't checked my mail since we got back almost a week later but that I did get the email notification. They outright said " looking at the notes here I apologize you were given the wrong information, you should not have been offered the deferment to start with. '' I asked them what they could do because I already had made a realistic financial plan for the 3 months around fixing my truck and still paying my mortgage and other necessary home expenses. They forwarded me to a Senior Accountant and he said " well if we do n't receive payments after 68 days we 're reporting you to the Credit Bureaus. '' Then he corrected himself and said we need almost {$800.00} in less than one mo nth!!! I told him, does no one understsand the situation I 'm in, I specifically gave all my information about my truck and I 'm just supposed to have {$800.00} in less than a month? I asked him - even though it was your fault for giving me the wrong information and even though I was approved on the phone, which it says in my account notes, there is absolutely NOTHING you can do, even though it 's DSL 's fault? He said yes, nothing they can do even though it was their fault. I asked if they could just honor what I was approved for because I had planned on starting repayments in XXXX , he said no. Then he started to give me attitude and said - well we sent a letter that you did n't qualify on XXXX XXXX , I told him I did n't get that letter and he just kept giving me attitude. Really?! So they can give their consumers wrong information, approve products, and then " send a letter '' saying you were denied, no phone call, no email. I explained to them the situation from the beginning and stressed my financial situation, I said I could even forward receipts f or towing, parts, labor etc to prove how much it was costing me to fix my truck. The Accountant still said - there is nothing we can do even though we gave you the wrong information.
11/15/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • IL
  • 60637
Web Older American
Early this year, my daughter, XXXX XXXX, was the victim of identity theft and fraud related to her XXXX bank account, her Discover credit card and a XXXX account. XXXX is a XXXX at Michigan XXXX, and was under a lot of XXXX stress at the time, and the fraudulent charges on her Discover card came in 10 week period between XX/XX/XXXX and early XXXX, 2022. XXXX is not a frequent user of her credit card, and has never purchased a gift card in her life ; nevertheless, in that 10 week period over XXXX XXXX XXXX, XXXX, XXXX and XXXX gift card purchases were billed to her, without her ever authorizing or seeing any evidence of the gift card purchases that added up to over {$2500.00}. XXXX, XXXXXXXX XXXX mother, XXXX, and I have spent countless hours over the last several months implementing a credit freeze and working to eradicate the effects of the frauds on XXXX 's financial accounts and on-line identify. Ironically, Discover who has made the most frequent and aggressive advertising claims, " All Discover cardmembers are protected with our {$0.00} XXXX XXXX XXXX, which means you're never responsible for unauthorized purchases on your Discover Card account, '' has been by far the most disreputable and impossible with which to deal. Very briefly, I wrote to the General Counsel, XX/XX/XXXX, hoping that he could cut through the nonsense, but he referred it to a group, " XXXX XXXX XXXX XXXX XXXX, '' that most recently reversed a decision and letter sent to me on XX/XX/XXXX that agreed to credit XXXX 's account for all of the unauthorized charges. Then, on XX/XX/XXXX, this XXXX XXXX group ignored the fact that I represent my daughter and sent her a letter reversing that decision and claiming that she is responsible for all of the charges, which are obviously fraudulent. I would like the CFPB to take a look into how frequently Discover ignores its own guarantee not to attempt to hold its cardmembers responsible for unauthorized charges, and investigate what Red Flags Discover has established that are obviously inadequate, given that they can not identify and alert cardmembers to the most common fraud going, on-line purchases of gift-cards in extraordinary quantities, when the cardmember NEVER bought a gift-card in her life. I would be happy to send you the absurd correspondence that I have, but your systems for uploading PDFs does not seem to work. Please email me at XXXX, and I will happily share the correspondence that has traumatized my daughter so. Thanks very much for your assistance in this matter ; I can be reached at XXXX. All bests, XXXX XXXX
03/31/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • XXXXX
Web
I am extremely disappointed in the service Discover fraud services has provided me. I became a victim of card fraud and reported the fraud as soon as I became aware of it. After being told they would file an investigation and being reassured I would not be held liable, I started to receive calls weeks later questioning my actions in reporting the fraudulent transactions. After several calls with their fraud department and answering the same questions they had asked several times, I was told I was being held liable for the charges as they find no fraud occurred. After requesting to speak with a manager, a fraud analyst advised no investigation was conducted. I was also advised the decision was made based on fraud patterns. I was advised because notifications were sent to me advising of the charges, notifications I didn't receive, and my reporting of the charges 5 days after the fact these charges would not be considered fraudulent. I was also told since the charges were done in stores near my area and at some businesses i have visited in the past, these finds were sufficient to make their decision. I found the circumstantial evidence aspect of the investigation to be very upsetting. No one wanted to hear my side of the story. No one wanted to take the time and actually investigate the charges. Discover simply submit an inquiry to the merchants and the merchants did not respond so they turned to a probability chart and added the charges to my account. I find it upsetting that they would use my area as a probability factor of the charges being authorized. We are in a pandemic, I don't travel and I use my card often. If I lose my card, it is a high probability it will be in my area. Since there were no additional charges on the card, they found it to be strange rather than a blessing no more fraudulent charges were added. Without even hearing my side of things, past the basic questions they kept asking me, or at least advising me of how they came to their conclusion, I received a letter advising me the charges were added to my account and I need to pay for them. I don't know how Regulations work or how credit cards can get away with the advertisement of " Zero Liability '' for fraudulent charges but still charge you, but if that is not a true statement, why advertise it. Especially if the company is not going to do their due diligence in truly investigating the charges. I feel wronged and mad at the fact someone has benefited at my expense. The charges took place XX/XX/2020 {$840.00} at XXXX of XXXX XXXX, CA and XXXX XXXX # XXXX XXXX, Ca. {$110.00}.
05/29/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 152XX
Web
This complaint is in regards to XXXX, XXXX, and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX who are representing Discover Bank as a debt collector. In a hearing held on XX/XX/XXXX, XXXX, XXXX, and XXXX agreed to settle the debt for {$2600.00} with {$1100.00} paid from a XXXX XXXX transfer leaving a total of {$1500.00}. We were then advised to make monthly payments of XXXX dollars per month that increased to XXXX dollars per month beginning XX/XX/XXXX. We have been sending money monthly and while not always able to pay the XXXX per month we have diligently sent in a payment of at least {$50.00} every month. Since this judgment, I have paid a total of XXXX, which should leave a balance of {$500.00} at this time. I received a letter from XXXX, XXXX, and XXXX dated XX/XX/XXXX that outlined the judgement, the amount owed, the amount payed, and the remaining balance of XXXX. In this letter there is no mention whatsoever of additional interest and fees. After missing a payment in XXXX of XXXX due to loss of employment from the XXXX XXXX, we received a letter from XXXX, XXXX and XXXX dated XXXX, XXXX with a noted balance due of XXXX. Seeing this balance, which is more than the agreed upon settlement, led me to call XXXX, XXXX, and XXXX. I spoke with a representative on Monday XX/XX/XXXX who informed me that we were being charged interest and there were also court fees in the amount of XXXX applied to our balance. The representative was not able to provide me with a balance as a start number from in XXXX of XXXX. I was led to believe that number was the agreed upon settlement balance of XXXX. Not only did XXXX, XXXX, and XXXX not act in good faith but they deliberately set us up for failure of repaying this debt. While we have been making payments each month the total has been increasing unbeknownst to us. The total is now almost double what we originally owed, and while we thought we were close to paying off our debt we are now even further in debt. We have never received any type of statement from XXXX, XXXX, and XXXX demonstrating our payments, informing us of the interest applied to the amount, and that the balance has continuously gone up due to the interest or whatever other fees have been applied without our knowledge. We feel we are owed at least an adjustment to our balance accordingly due to XXXX, XXXX, and XXXX not acting in good faith and being deliberately obscure with and withholding the details of our repayment. Thank you for your time and consideration of this matter. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
06/11/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • WI
  • 53189
Web
Four unauthorized transactions I ( and my husband, the other authorized cardholder ) did not make posted to my card on XXXX XX/XX/2021 at approximately XXXX XXXX I was at work at the time and I heard the SMS alert come to my phone that a transaction had been processed on my credit card. As I did not recognize the charges, I checked with my husband the next day ( XX/XX/XXXX ) to see if he had done any transactions whatsoever online for either XXXX or XXXX ( the purported sites involved in the transaction ). He did not. That day I called Discover and notified them that the transactions were fraudulent. They said that they could not open a dispute until the charges posted, but I could put a freeze on the card. I did that. I called XXXX, which was the processor these purchases supposedly went through, and there were no transactions at all on my account during this time period. I also checked with my husband and he did not make any purchases through XXXX. I removed the credit card link with Discover on my XXXX to be on the safe side. When the transactions posted on Sun XX/XX/2021 I opened a formal dispute and requested that my card number be changed. This was done. The small charge for {XXXX} was credited without a dispute. I received notification and documentation from Discover dated XX/XX/2021 that the three charges above {$40.00} were found to be valid upon investigation and that the dispute was being closed. Included in their documentation was a copy of the purported purchase, which were all items that, firstly, I did not recognize and would not purchase, and secondly, did not receive. They were all supposedly delivered to my front porch, but these items were not delivered here and I did not receive any of them. There is no signature documentation nor a photo of the completed delivery. I searched my email for both the tracking number and the order number for the alleged purchases and there was no results. ( Under normal conditions there would be many emails regarding both a purchase and a delivery, usually including a photo of the delivery ). I am attaching documentation : 1 ) my XXXX activity, which shows one purchase of {XXXX} on XX/XX/XXXX. This is the only purchase I have made on XXXX this year. 2 ) my XXXX activity, which does not include any transactions for XXXX past the XX/XX/XXXX date and no transactions for the disputed amounts at all. 3 ) four responses from Discover regarding the disputes 4 ) screenshot of my only email account showing a search for " XXXX order '', which shows no order past the XX/XX/XXXX order for {$10.00}
07/18/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • TX
  • 75208
Web
Discover Financial Services Credit Card Department XXXX XXXX XXXX XXXX, DE XXXX Reference Number : XXXX Subject : Opportunity to Cure - Credit Application and Compliance Violations Dear Sir/Madam, I am writing this letter to bring to your attention certain concerns regarding my recent credit application with Discover Financial Services. I believe there are several compliance violations that require immediate attention and resolution. I am also making you aware of certain legal considerations that pertain to the credit application process. Firstly, I would like to emphasize that a credit application is a form of self-liquidating paper that serves as legal tender. It is essential to acknowledge the value and significance of this document, as it represents a contractual agreement between the applicant and the credit issuer. Furthermore, it has come to my attention that the social security number provided in the credit application is considered a credit card in and of itself. This understanding is crucial in ensuring compliance with relevant regulations and safeguarding the rights and privacy of individuals. Regrettably, I believe that Discover Financial Services may be in violation of multiple Code of Federal Regulations ( XXXX ) violations and potentially engaging in security fraud. It appears that XXXX has willfully failed to comply with these regulations, which raises concerns about the integrity and legality of its operations. In light of the aforementioned violations, I wish to inform you that Discover Financial Services is now in agreement with the terms and conditions set forth by XXXX XXXX XXXX. As per the schedule fee outlined by XXXX XXXX XXXX, XXXX is required to take immediate action to approve my credit application within a period of 10 days. I kindly request that upon approval, the credit card provided reflects an open-ended status, ensuring maximum flexibility and utility for my financial needs. It is imperative that Discover Financial Services takes prompt action to rectify these issues and comply with all relevant regulations and agreements. Please consider this letter as an opportunity to cure the aforementioned violations and rectify the situation within the specified timeframe. Failure to comply with this request may result in further legal action to protect my rights as a consumer. I look forward to a prompt resolution to this matter. Should you require any additional information or clarification, please do not hesitate to contact me at the provided contact details. Thank you for your attention to this matter.
05/20/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28269
Web
I am writing to formally request a thorough investigation into the discrepancies and verification presented in the recent communication regarding an account allegedly opened in my name. I have serious concerns about the accuracy and legitimacy of the information provided, and I believe it is necessary to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and North Carolina credit laws. Upon reviewing the statement received from Discover, I have identified several discrepancies regarding the addresses and phone numbers associated with the account. I would like to clarify that I have no knowledge of the mentioned addresses, nor have I ever resided at or received mail at these locations. Furthermore, the phone numbers listed as verification are unfamiliar to me, and I have no record of ownership or usage of these numbers. In light of the discrepancies mentioned above, I also wish to address the statute of limitations for debt collection in North Carolina. As per North Carolina credit laws, the statute of limitations for most types of debt is three years. It is crucial to determine whether the statute of limitations has expired in this case, as it may affect the creditor 's ability to pursue legal action to enforce the debt. I request that you thoroughly review the relevant dates and account history to assess compliance with the statute of limitations. In accordance with the FCRA and North Carolina credit laws, I kindly request that you initiate a comprehensive investigation into the validity and accuracy of the information provided by Discover. This investigation should include verification of the aforementioned addresses, phone numbers, and any other associated details. I also request that you obtain and review any supporting documentation provided by Discover, such as written documents or records, to substantiate their claims. Furthermore, I kindly request that Discover provides me with a detailed report of the investigation 's findings within the statutory timeframe of 30 days, as outlined by the FCRA, which they have yet to do. Additionally, I would appreciate their assistance in clarifying how their actions, as outlined in their communication, comply with the requirements of North Carolina credit laws, including the options for repayment assistance directly through Discover and not a third party. I appreciate your prompt attention to this matter and your commitment to upholding the provisions of the FCRA and North Carolina credit laws. Thank you for your assistance in resolving this matter. I look forward to your prompt response.
09/11/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CT
  • 06851
Web
My purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a Discover account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( s ) were being reported legally. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. What was the cost incurred by your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Please provide the specific date on which the items will cease to be reported. I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation.
10/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11226
Web
The account listed above do not reflect any correct transactions done by me. My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
02/03/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • CA
  • 91766
Web
Back in early XXXX of 2015, I saw a promotion for Discover bank where if you have a Discover credit card and never had a Discover checking account, you can use promotion code " XXXX '' to open a new checking account, and after XXXX direct deposits, the bank will issue a {$300.00} bonus into the account. I had a Discover credit card and never had a Discover bank account, so I signed into my Discover credit card account online and tried signing up for a new checking account using the said promotion code. Discover bank 's system accepted the promotion code as valild, that 's when I decided that it 's a really good deal and went on to complete the enrollment process. After making XXXX direct desposits as required, I called Discover bank to see when I 'll be getting the bonus cash from the promotion. That 's when they told me that I actually do n't qualify for the promotion, because after XXXX/XXXX/2015 they changed some fine print to make the promotion a " targeted '' XXXX, and since I 'm not on the target list, I do n't qualify, even though the promotion code was accepted during enrollment " because it 's a valid promotion code '' they say. From a consumer 's perspective, the fact that their system accepted my promotion code as valid during the enrollment process should mean that I qualify for the promotion. If I did n't qualify for the promotion, their system should have indicated as such, so I would n't be led to believe that I qualify and go on to enroll for their product believing I 'm getting a good deal. I have also never received any communication from Discover Bank after the fact to let me know that I did n't qualify for the promotion. Any other reputable online store I go to, if they accept a promotion code during checkout, that means I qualify for the promotion. I have never seen any other company accept a promotion code as valid " because it 's valid for other people and not you '' and never send out any communication to let a consumer know what 's going on. I feel that Discover Bank 's actions are misleading and deceptive. Their system led me to believe that I 'm getting a good offer and tricked me into enrolling in their product. They led me on further by never communicating the fact that the promotion code they accepted as valid is actually not valid, so that I would start direct depositing my pay checks into the new checking account with them. All the time wasted and emotional distress aside, I 'm seeking for Discover bank to honor the promotion and credit me {$300.00}. Thank you for your help looking into this case.
10/03/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • MS
  • 390XX
Web Servicemember
Ref # XXXX I received a preapproval letter for a personal loan. Around XX/XX/XXXX I inquired and decided to apply because the first lady XXXX XXXX was highly informative and polite. She needed information that I did not have available and I called back the following day. I spoke with XXXX from Utah. He was polite but instructed me to use the website. Which most companies do these days. The website stated that I had been approved and to upload the last three statements of the bank account I wanted the funds deposited into. I did that. Then I received an email on XX/XX/XXXX that my loan was denied due to " insufficient ability to repay ''. I assumed it was an error because I have my direct deposit split over a few accounts. I did write a letter to Discover asking for reconsideration and providing my last XXXX pay stubs to show that I could pay the loan back and explain that the purpose of the loan was debt consolidation. The XXXX monthly payment to Discover was hundreds of dollars cheaper then what XXXX currently paying to each company. I figured it was close to the XXXX mark, so I decided to call. I spoke to XXXX different people. XXXX was polite but he told me it was beyond his control, and I would have to reapply, but he transferred me to XXXX. She explained there was nothing she could do since the loan was denied on XX/XX/XXXX even though I was not informed until XX/XX/XXXX. I explained to her that I had written a letter and provided proof of income. She told me that Discover was not concerned with the income but the in 's and out 's of my account. That was not explained to me. I submitted the account that I use to pay my bills because I was going to be paying off bills with the loan. Also, I work at a bank and I didn't want my coworkers in my personal business. Any one at the bank can see into our accounts. She repeated there is no one here that can help you. It sounded like she was working remotely, so Im sure no one there could help me. She did not try to ask a manager or supervisor because this was a misunderstanding. A week or so later a man called stating he received my letter and the only thing I could do was reapply. This is unfair and misleading. Had I known what Discover was looking for I would've submitted a different account. Being a financial institution Im sure they're aware that customers can have multiple accounts. I would've been open to reapplying if I had made a mistake and If my credit score had not taken hit from the first application. I know that it has been a few months, but it just seems unfair and misleading.
07/29/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • UT
  • 84062
Web
On XX/XX/XXXX I purchased furniture from XXXX XXXX XXXX in XXXX, UT. I used a Discover credit card to make the {$5500.00} purchase. The furniture was to be delivered later due to supply chain issues. I received monthly updates from the furniture company telling me delivery was being further delayed and that they were working to get furniture to me as fast as they could. On XX/XX/XXXX, I received the last email update. On XX/XX/XXXX the furniture store employee who had sold us the furniture informed us that due to financial problems of the company we would not be getting the furniture. I immediately ( on XX/XX/XXXX ) disputed the {$5500.00} charge with Discover. I also tried to contact the owner of the furniture store but was not successful. Discover initially gave me the {$5500.00} credit to my card while they did an investigation. After the investigation, Discover informed me they reversed my {$5500.00} credit because they found it to be a valid charge. The only documentation Discover sent me relating to the investigation was a copy of the credit card charge I made with the furniture company ( this was the charge I was disputing so this was not any meaningful documentation ). The company is out of business and has been issued a citation by state division of consumer protection. The division has been unable to contact the owner directly. I have contacted and discussed my dispute with Discover dispute representatives at least five times since my dispute was denied. I was told each tme that to get credit for the {$5500.00} charge, I would need a letter from the furniture ompany owner on company letterhead indicating that my furniture was not delivered and that I was due a refund from the company. This is impossible because the owner is no where to be found and will not respond to any form of communication. On XX/XX/XXXX, I sent a letter to Discover containing a link to and excerpts from the Fair Credit Billing Act Sec.1666 Correction of Billing Errors '' that indicates that if I ( obligor ) make a timely dispute ( to the creditor ) of the charge, indicating that I did not receive goods for which I was charged ( which I did- I made the dispute on the day I learned I would not ever receive the furniture ) then, before being able to deny the dispute, the credit card company is required to investigate and determine that the goods were actually delivered and then provide me ( the obligor ) with a statement of the determination [ Sec . 1666 ( a ) ( 3 ) ( B ) ( ii ) ]. Discover did no such investigation and did not provide me such a statement.
07/29/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 75002
Web
Discover Bank, Was notified several months ago that I was a victim of identity theft. Discover allowed a Fraudulent Application to be processed in 2015 from a thief online to open a Credit card. After they allowed this thief to open the account, they allowed the thief to continue using the card and to make payments to the account as well. I notified DiscoveXXXX immediately as soon as I saw this on my credit report that the account was fraudulent, I did not apply for this product and that I have notified the credit bureaus. Thus why I have Extended Fraud alerts on my credit bureau reports, For 7 years. I have security freezes as well now. When I advised Discover that the application was fraudulent. Discover closed the account, and re opened a new card. Where they sent the new card I have no idea because I never obtained it, Again I called discover to let me know that I did not receive a card and that the APPLICATION was fraudulent the whole account is fraud not transactional fraud.Instead of Investigating my report again and Identity Theft Affidavit which I sent them from Law Enforcement and From the FTC, Discover decided to advise me that I would be at fault for an account again I never obtained and that they sent it to a fraudulent address. Everytime this has been reported to discover they continue to close the account and reopen it with new numbers to re add it back to the credit bureaus. Instead of following FCRA Laws 603 ( b ) as I am consumer and a victim of identity theft. A thief obtained and applied for this product that I did not authorize. I recently called discover again to ask about this after my last complaint and I am told now that they have verified with " Law Enforcement '' That I am liable for the fraudulent account. When I asked what Law Enforcement Agency they spoke with and the Officers Name / Badge Number they would not provide this information to me, because again their Customer Protection Department is a sham and they do not investigate real actual Identity theft. So again they are lying. They Recently opened the account AGAIN with another number and put it on my XXXX report. I will continue to have this account blocked, no matter how many times you change the account number because the account is FRAUDULENT. NOT AUTHORIZED. Opened from a Thief that you sent a card to a fraudulent address that didn't even verify to me. Again Discover is very shady in how they handle Identity theft, and they refuse to remove my liability from a fraudulent account I have never obtained, nor even knew who opened it. WITH STOLEN ID.
05/03/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • NE
  • 681XX
Web
On XX/XX/XXXX at XXXX AM, I received an email from Discover with a promotional statement saying that if I purchased a {$45.00} XXXX 's XXXX membership by XX/XX/2020, then I would earn a {$45.00} statement credit back in 3 billing cycles. I had read through all the terms and met them all and proceeded to buy the {$45.00} membership on XX/XX/2020 with my Discover card. I have attached the statement on my discover account and the receipt from XXXX 's XXXX I had not received the promotional credit by XXXX still, so I proceeded to call Discover on XX/XX/XXXX. The first representative I had spoken to could not find the credit on my account but only found the memo that discover sent to me, which is also attached. She said that if I had to received the credit by now, then I do not qualify. I asked her why, and she said she did not know. From there, she escalated the situation to the supervisor, XXXX, who went line by line with me through the promotional statement and ensured that I met each term and condition. He believed that it was because the purchase on my discover card was {$47.00} and not {$45.00}. I said that this was due to sales tax, and he asked me to email him the receipt from XXXX 's club to ensure that this {$2.00} was sales tax. I emailed him and attached the email. He said that he would call me back within XXXX XXXX to follow up, and I never received a follow up call. Since I did not receive a follow up call, I called Discover on XX/XX/XXXX to ask about my credit. In this call, I was ensured that I would be receiving the credit by the XX/XX/XXXX billing cycle. It is currently XX/XX/XXXX, and I still have not received the credit. I called Discover today, XX/XX/XXXX, and the first representative I spoke seemed to not know what she was doing and had me on hold the entire time. She immediately directed it to a supervisor who stated that if I had not received the credit, then my account did not qualify. I asked why, and she said she did not know and there is no specific reason. She then proceeded to tell me that if I was told on XX/XX/XXXX that I did not qualify, then even if I was told on XX/XX/XXXX that I would be getting the credit, it does not matter. I told her that I was never told a direct yes or no if I qualify, only that the supervisor, XXXX, would be following up with me. I told her that I never got a follow up call, and she said that she would look back at the calls to ensure I was told " no '' I would not be getting the {$45.00} statement credit. She gave me the number to directly call a supervisor back in XXXX XXXX
09/08/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Add-on products and services
  • TX
  • 78251
Web
Since XX/XX/XXXX when I opened my account, Discover Card has been charging my account for a payment protection plan which was unauthorized. I was charged over {$1600.00} not including interest for this fee. When I called to inquiry about this fee I was told that I signed up for it in XXXX when I opened the account and they would only refund me {$360.00}. They also said they give its customers 30 days to review and dispute charges. I take responsibility for not viewing my statements as I should, but just because I didnt review my statements it doesn't make these charges legitimate. When I checked my statements, I noticed it only goes back as far as XX/XX/XXXX and it was opened in XX/XX/XXXX ( 1 year 5 month difference ). I think that is weird because I have another credit card and it shows my statements from when I opened the card in XXXX and I had that card 2 years longer than the Discover Card. I researched it to see if others were having the same issues and they were! Many people are saying that Discover placed this payment protection plan on their account without their authorization. So, I reached out to Discovers Executive Office on XX/XX/XXXX and XXXX was my case worker. I explained everything to him and he said he would get back to me within a week. He called back on XX/XX/XXXX ( a little over 2 weeks from when I called ) and said that I did sign up for the payment protection plan when I opened the card, the charge was on my statements, and I was sent a yearly newsletter ( separate from the statements ) reminding me of the charge. I didn't recall seeing any newsletter, so I asked him when was the last time I received it and he said XX/XX/XXXX. My response was send me a copy of the newsletter I was sent in XXXX ( 6 months ago ) and something showing that I signed up for this in XXXX. He replied that he could not because that was a long time ago and his records dont go back that far! So, I said since you cant show me then who can, he said no one! So if you could see I signed up for it in XXXX and that I received a yearly newsletter in XX/XX/XXXX, how you cant show it to me when you just said you seen it. Im not just going to take your word for it. He kept going back to the statements. But, he even admitted that he dont check his statements. Furthermore, it being on the statement doesnt mean that I signed up for it. They cant prove I signed up for it. I did a XXXX claim ( # XXXX ) and XXXX was assigned as the case worker. I asked him for proof that I signed up for this charge, and he ignored my request. I want a FULL refund.
01/03/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • IN
  • 463XX
Web Servicemember
I initiated a balance transfer using a Discover employee in the amount of {$2400.00}. A few days later I noticed that the same balance transfer ( same amount & company ) had been entered twice. I spoke to 3 different people at different times without a resolution. The first person said just return the money - in process of duing. The second peson said, at least the interest you are paying is less than what i was paying - not true. XXXX XXXX was overpayed by more than {$2500.00}. ( to cover possible interest ) I have no balance! The last person I spoke with was XXXX XXXX who informed me that I made an online transfer the same time the representative made a transfer for me. I tried to explain that while I did attempt to make an online transfer the web site said it was not going through. I then called Discover to help me with the transaction - the person that completed the transaction stated she saw where I was trying to make the transfer and would help me complete the process. On XX/XX/2020 two payments of {$2400.00} were made to XXXX XXXX. I only authorized one payment. I am being charged interest on money I did not want or authorize. My credit score is being negatively affected by the percentage of debt to ratio. Prior to this my debt usage was 16 % and no individual card was above 30 %. The balance transfer I requested would keep my debt/ration with Discover at 30 % after my first payment. Discover recently denied me a Discover it card based on " % of balance to high credit on banking revolving or all revolving acct '' when my debt ration was in fact 16 %. My credit score was reported as XXXX when in fact it is XXXX - XXXX. " length of time accounts have been established '' 31 yrs for XXXX, 2 mortagages - not being reported since being sold off. " lack of recent installment loan information '' - no installment loans at time of application. Car paid in full. I did have a serious delinquency on 1 account after being unemployed for over a year. - that account is current and now paid in full. Based on how easily Discover denied me credit - they are absolutely hurting my credit now and preventing me from opening a new credit card. Because of this transfer my reported balance is {$5700.00} / {$9000.00} limit much higher than it should be. It should be $ XXXX/ {$9000.00} and after my first payment of {$400.00} would be at 30 % - never being above 30 % This error is causing me to incur interest on money that I did not authorize. I am in the process of refinancing 2 homes and I really hope this does not create a problem for me.
11/21/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 93312
Web
I am writing to file a formal complaint against Discover Bank and the XXXX XXXX XXXX XXXX and XXXX regarding their collection tactics and the imposition of exorbitant interest rates. I am currently facing significant hardships that have severely impacted my ability to meet my financial obligations. As a XXXX XXXX in the midst of a costly and emotionally challenging divorce, the financial strain resulting from legal fees, contested child support, relocation, loss of income, and the general nature of divorce proceedings have left me in a precarious financial situation. The issues I am raising concern both Discover Bank and the XXXX XXXX XXXX XXXX and XXXX 's utilization of aggressive and abusive collection tactics, as well as the imposition of excessive interest rates. I am being threatened with wage garnishment, which would certainly make me unable to make ends meets. These practices have only served to exacerbate the challenges I am already facing and have contributed to the deterioration of my financial stability. Discover Bank has engaged in what I believe to be unfair and harassing collection practices. The constant calls, aggressive communication, and lack of empathy towards my current situation have only added to the stress and emotional toll of my circumstances. Moreover, the interest rates being applied to my accounts appear to be unreasonably high, further deepening my financial woes. Please understand I am not refusing to pay but I dont have {$14000.00} just laying around. Similarly, the XXXX XXXX XXXX XXXX and XXXX, in their pursuit of collection on behalf of Discover Bank, has displayed a disregard for the challenging circumstances I am currently navigating. The methods employed by the law office, including but not limited to threatening language and an unwillingness to work with me on a reasonable resolution, have left me feeling helpless and overwhelmed. I kindly request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action against Discover Bank and the XXXX XXXX XXXX XXXX and XXXX if violations are found. Additionally, I seek relief from the burdensome interest rates imposed by Discover Bank, as well as a more compassionate and reasonable approach to the debt collection process. I would like to add I am a reasonable person and understand that this debt is owed. I do not want to file for bankruptcy protection, but the overwhelming debt load I have as well as legal fees being incurred for my ongoing divorce and child custody battle are just too much.
01/15/2016 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't decrease my monthly payments
  • IL
  • 60640
Web
I transferred into XXXX University in XXXX, IL from a small college in Wisconsin after my freshman year. After realizing I did n't want to be in a small city setting, I transferred and left behind my scholarships. Unfortunately, many schools do n't hand out scholarships to transfer students and my parents were right above that line for federal aid, so I had to take out all private loans. Not realizing repayment options for federal and private loans were different, my family and I did n't think taking on a large debt sum was going to be that big of a deal. When I realized I did n't want to become a doctor anymore and was n't going to make as large of a salary things got a little scarier. So I ended college with over XXXX dollars of student loan debt. Discover student loans wanted me to pay near {$1500.00} a month, six months out of college. When I explained my situation they told me to ask my cosigners for money. When I told them XXXX was recently XXXX and put on long term XXXX and the other only made {$38000.00} a year, they told me I only had a few options. The lowest payment option was {$1100.00} a month, which is technically interest only and is only available for 6 months. I started paying this along with {$200.00} a month for federal loans, totaling {$1300.00} a month. Thankfully I got a pretty good job right out of college or I would n't be able to survive. However, I am barely surviving as it is. I have to pay rent, bills, and loan payments. In order to do so I work my full time job, babysit at least 3-4 times a week, stick to a pretty strict budget, and try to pick up side jobs here and there. While struggling, Discover proves to be less than helpful. Every time I call it 's either " too early to talk about my options '' or I need to " call back later ''. I can never get a straight answer and when I do there 's no wiggle room. Even if I paid XXXX a month to them, they told me that it would put my loans into default and they could garnish my wages. What XXXX XXXX XXXX can pay {$1600.00} a month in student loans ( federal and private ) and pay for rent, bills, and still eat? Not any that I know. Every time I try to work with them to get a lower payment plan they tell me that their agents are busy and will call back later, but I rarely get a call back, which just causes another call from me ending in a circle. My 6 months of reduced interest only are up and I 'm back to the circle calling. I do n't know what the next option is and I do n't know how much longer I will be able to survive like this on a entry level salary.
03/04/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33150
Web
Discover Bank, you are in many violations and I am demanding you Discover Bank to correct all of your errors on my consumer reports right now. CFPB, FTC investigate this matter. I blame the Credit Reporting Agencies XXXX for never doing their job properly because I disputed this account and XXXX said it was valid. So I blame yall XXXX XXXX, so please do not act XXXX when I invoice yall for violations. First off, Listen hear Discover, you are furnishing MY private information and I have the right to privacy, Im not sure if you are aware that is a {$5000.00} fine, I did not give you permission to furnish my private information on my behalf. 2nd, I am putting you on notice in regards to the charge off and DISCOVER BANK should know what the IRS says about a cancellation of debt of 600 or more and I am demanding DISCOVER BANK to send my 1099c, which you should have received when the debt was charged off. Also I will have to contact the IRS on them. A charge off is gross income and doesnt get reported. As of dated XX/XX/2022 at the time of XXXX XXXX, is reporting a Charge Off to ALL credit reporting agencies on my behalf with a balance of {$1200.00}. I have never received a 1099c form from DISCOVER BANK. There are various violations this company DISCOVER BANK are in 12 CFR 226.11 - Treatment of credit balances ; account termination. a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall - ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. The executive from Discover, XXXX, told me I can NOT reopen my account, when I asked to reopen my account, hes very rude, and Discover Bank is doing unfair business. I just CLEARY explained everything in a very basic and understandable term.
10/04/2016 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't decrease my monthly payments
  • IN
  • 468XX
Web
Discover has repeatedly violated and presently routinely violates Indiana and the Federal Fair Debt Collection Practices Acts by : 1. calling right at ( XXXX ) or after XXXX. 2. calling at my work phone/phone numbers which I have informed them is an inconvenient number to call me at. 3. refusing to communicate with me via method most convenient for me ( email ). 4. failing to notify me that any information is used for purposes of collecting a debt. 5. using deceptive acts to collect a debt ( using false numbers/ghost numbers to contact me ). 6. harassing me and threatening illegal collections practices. 7. harassing me calling me at times over 50 times a day. XXXX has repeatedly failed to work with me in good faith so that I can me meaningful, and regular payments to pay down my loans. Discover has set up a system characterized by subterfuge and chicanery such that the put their student loan debtors in a catch XXXX situation where they are unable to make full payments and unable to escape Discover being the creditor. Discover has unilaterally set out to ruin my credit and keep me within their system of ineffectual " payment options '' which only results in growing the debt for Discover and further ruining my credit. Discover has modified the promissory note and offered a reduced payment option based on my income then arbitrarily and capriciously refused to accept the reduced payments. Despite me not being able to make their excessive monthly payments based on my salary Discover has failed to work in good faith with me to keep my loans current. Instead, not accepting the payments I could make as full monthly payments, Discover aggressively, maliciously, wantonly, willfully, and intentionally made negative reports on my credit history. As a result when I have tried to consolidate my loans through Discover and/or other institutions I have been invariably denied. Discover has created a system where it keeps its debtors financially disenfranchised and works to only increase the debt they own. Discover most recently in XXXX of 2016 fraudulently induced me to enter into a repayment plan to bring my loan " current '' with the promise of consolidation ; however after accepting 3 monthly payments from me, Discover failed to consolidate my loans ( all of which they own ) via its own consolidation department due to a poor credit score -- a credit score which they themselves have created due to their failure to work with me. Throughout this timeframe, Discover continued to make negative credit reports to my credit history.
08/11/2015 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • LA
  • 70501
Web
I was " invited '' to apply for a personal loan at Discover Personal Loans. I have been a discover credit card member for about XXXX years and always pay off my balance each month. I also have a rather excellent credit rating. So I applied online and was told to call their office to complete the process over the phone. They said they were busy that day and a " senior loan rep '' would call me back. They did not so I called them back. I spoke to someone who reviewed my application and then called me back on a secure phone line to ask me some personal questions about my existing credit accounts. I told them and she said that a " senior loan rep '' would call me back in XXXX days to ask me some more questions. Well about XXXX days went by, including the weekend, and I received a letter with a very vague reason for them being unable to approve my request. the reason is " UNABLE TO VERIFY CREDIT REFERENCES ''. So I called to find out exactly what this meant and why I never received a phone call from the " senior loan rep ''. After going up the chain of command, I was told that verification was what they did when they called me on the secure phone line. However she was not satisfied with my responses regarding when I opened a store credit card that I have not had open in approximately XXXX years. I guess because I could n't remember the exact year I opened it. So apparently instead of calling me back like I was told I would be or even to further verify my information, they just stopped the application process and are denying me a loan. I understand if the denied me because my income or credit rating was not sufficient but that is not the case, in fact I more then qualified. I was just because they stopped the application process before even being considered. Also the supervisor I spoke to said I should not have been told that a " senior loan rep '' would be calling me. Apparently that is not what I should have been told. So I feel like not only was I giving the wrong information by the initial phone rep, but also that she stopped my loan process for no valid reason. So I can not reapply to Discover Personal Loans for another XXXX days, because " they 're system wont allow '' as I was told. The other problem is since I attempted to apply with them, my credit rating suffered a drop. So now when I go to my bank or another lender to apply for a loan this week, I will be applying with a lower FICO score then normal, which will make the process and interest cost much different then if I never had dealt with Discover Personal Loans.
03/12/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • CA
  • 91343
Web
I have been trying to contact Discover 's legal team FOREVER, in order to settle my credit card debt for less. I have called over twenty times, however, they keep selling my debit to third party Collections agencies, and the latest one is XXXX XXXX XXXX, which have a dishonorable reputation, rarely pickup the phone for negotiations, haven't made an offer, and are probably getting ready to sue me and garnish the very little stimulus check money I have in my account. It is indeed going to cost them more to sue me than settle with me over the phone. As I was able to reach them after numerous attempts, I offered to settle for less. The representative of XXXX XXXX XXXX gave me the impression that she is working with me and that it's a " done deal. '' That was my perception. She asked numerous personal questions regarding my income, personal assets, about where I live, what I drive, how much I make, some other stuff. Then she placed me on a brief hold and came back by stating they can't settle for less and are offering to settle for {$4900.00} which is around six time the amount I had offered. She purposefully gave me the impression that those personal questions were asked to settle for the amount I had offered. I will be moving soon to the East, if everything goes as planned. XXXX XXXX XXXX have allegedly transferred the debt back to Discover as I told them about the move. They don't operate there. I think this worked to my benefit since I wound't wish this entity upon my enemies. After the transfer, I have called Discover, the original debtor, an unhealthy amount of times, recorded many of these calls with their consent to prove in the court, when and if the time comes, that I have made the attempts. They either do not have the debt or are rude or unhelpful. The last, rude girl from the legal department yelled at me for recording without her consent, even though they'd been recording me constantly without my " yes '', and the app I used specifically mentions that it is being recorded. I was diagnosed with XXXX a couple of years ago, ( I can provide with the papers ), and I've been XXXX XXXX due to not being able to speak to anyone and/or negotiate in a reasonable manner. This is insanity. I understand my obligations, but unemployment happened, followed by Covid, XXXX XXXX and despair. Why aren't this companies approaching more humanely? Why is no one contacting me with a reasonable offer? I can offer 15 % of the original debt for a full settlement. I am extremely poor right now, extremely XXXX. Please help.
12/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10453
Web
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX Account Number : XXXX This is not mine. 4. Identity ThefXXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX Account Number : XXXX This is not mine. 9. XXXX Account Number : XXXX 10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. XXXX 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 10. Identity Theft XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. XXXX 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX Account Number : XXXX This is not mine. 10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 12. Identity Theft XXXX Account Number : XXXX This is not mine. 13. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
08/21/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • TX
  • 756XX
Web
To provide context, On XX/XX/XXXX, the Honorable Judge of The XXXX XXXX PCT. XXXX in XXXX XXXX, State of Texas, conducted a trial between Plaintiff Discover Card and Defendant XXXX XXXX. After a thorough review of evidence and testimony, the court concluded that the Plaintiff had failed to substantiate the claims made in the petition. The court 's verdict was clear and unequivocal : " It was ORDERED, ADJUDGED AND DECREED by the court that the Plaintiff Discover Card take nothing of the Defendant XXXX XXXX, and this case is hereby dismissed with prejudice. '' Upon receiving a copy of the signed court order, I promptly informed XXXX, XXXX, and XXXX about the inaccuracies that Discover Card has been reporting since XXXX. A copy of the court order was also provided to XXXX, XXXX, and XXXX. I requested all data, account information provided by Discover Card be removed immediately from my credit file.This inaccurate reporting is not only unjust but also constitutes a violation of the Fair Credit Reporting Act. Discover Card has since reported to the credit bureau 's that they are reporting the account accurately. A court order on XX/XX/XXXX states Discover card has failed to prove this allegation and I ( XXXX XXXX ) owe Discover Card nothing! ( See attached court order ) Discover card has reported and continues to report inaccurate information and this has no legal right to do so. Any account reported inaccurate shall be deleted, states the law. I demand Discover Card remove all data they have reported to the credit bureaus within 24 hours of receiving this complaint. Discover Card is in violation of the law and this is my final attempt to resolve this matter. If this matter is not resolved within ten days of the date of this complaint, this matter will be turned over to a consumer law firm to file for damages for each violation and all financial damages caused by Discover Card. Discover Card 's consistent reporting of erroneous information has inflicted serious harm on my ability to secure credit, leading to higher interest rates and damaging my financial reputation since XXXX. Moreover, this situation has taken a significant toll on my mental and emotional well-being, creating undue stress and XXXX. The inaccurate reporting has affected my capacity to access affordable credit, thereby obstructing my financial growth and stability. I request assurance that such inaccuracies will not recur in the future, safeguarding both my financial well-being and mental health. Thank you for your prompt attention to this matter.
02/02/2017 Yes
  • Credit card
  • Other
  • CA
  • 95835
Web
When I voiced myself with the woman- please note- this time I did not catch the name, had it been 2 months prior- I would have, along with an employee ID number or something, because as mentioned before, I am just about done. The purposed of my call to XXXX had to do with me attempting to speak with XXXX XXXX because the CFPB notified me that DFS- XXXX XXXX ... requested for a 60 day extension. This information was given to me hours AFTER I had sent my 2nd follow up email to XXXX the first was more of a thank you but both emails did request for DFS to update me about any new information regarding my concerns- at their earliest convenience. Whoever I spoke with in lieu of XXXX though that she was doing the right thing by CALLING THE LOCAL POLICE TO HAVE THEM COME AND DO A WELLNESS CHECK ON ME- SO ONCE AGAIN, THANK YOU DFS- DISCOVER CC- DISCOVER BANK FOR MAKING ME FEEL AWFUL. XXXX, I just needed a break- and seeing that my issues started ( LIKE FULL MOMENTUM ) in XXXX I THINK THAT IT MIGHT BE OKAY TO FEEL A LITTLE DEFEATED. I would like to state that I DID SAY I NEEDED HELP- NOT THE POLICE 's TO COME AND MAKE SURE I DO N'T XXXX- I NEEDED DFS and the people who work there, SAY WHAT THEY MEAN, AND MEAN WHAT THEY SAY. IF I DO NOT KNOW WHAT I AM PAYING FOR- ACCORDING TO THE FTC- I DO NOT HAVE TO PAY. SOOOOOOOOO- XXXX XXXX is coming up soon- and my inquiries about my TRANSFER BALANCES- were initiated on XXXX XXXX with clear PROMISE that I would be provided an answer in 72 hours. IT HAS BEEN ALMOST A MONTH- and 6 billing reps later- THE SUPERVISOR- XXXX assured an answer by XXXX DO N'T TELL ME THESE THINGS WILL HAPPEN- and then DROP THE BALL, ESP BC IT WAS ALWAYS THE REP WHOM I SPOKE TO, that put themselves in that very situation. Regardless, I did need help- I NEEDED A BREAK, bc MICROMANAGING MY DFS ACCOUNT has been a NIGHTMARE. AND HONESTLY- WHOEVER CALLED THE POLICE TO COME CHECK UP ON ME, PROBABLY SHOULD HAVE UNDERSTOOD A LITTLE BIT MORE ABOUT WHY I WOULD CLAIM TO BE TIRED or state that I HAVE LOST SLEEP. BUT NO- did n't look up my info, just sent the police instead. SO THANKY YOU - FOR ONCE AGAIN, MAKING ME FEEL LIKE I AM XXXX, FOR THE MOST PART- I AM JUST ASKING FOR INFORMATION REPS HAVE PROMISED, BUT NEVER DELIVERED- of course there are other issues but ONCE AGAIN- I AM TIRED- DFS has WORN ME OUT- and I CAN NOT WRITE ABOUT THIS ANYMORE. I WOULD TO STATE- ON THE RECORD, NOOOO - ME WRITING THAT I CA N'T DO IT- as in I CA N'T CONTINUE WRITING ESP NOT ANOTHER REPORT- DOES NOT MEAN I WANT TO XXXX or ANYONE AROUND ME.
10/06/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • NJ
  • 085XX
Web
: Writing here just for the record. nothing has been resovled dont even read the letters over the last 3 years nothing resolved and despite being a customer in good standing discover has blocked my ability to call them and ignores all attempts and has at resolution. this is the latest email i sent. I offered XXXX for all accounts by XX/XX/XXXX. I am declaring bankruptcy in foreclosure i provided docket number for conifrmation. no response just credit reporting that i am responding to. This company is notorious for suing and being very very difficult with customers. I need a resolution not just you sending it and them photocopying responses. I will go to court if need be and show a judge my diligent attempts at resolution and what has occured as a result. tired of being ignored, bullied and treated very unfairly DO SOMEHITNG about this company and how it treats its customers. No photocopies of previous responses that did nothing. I will sue i will if ihave to. believe me. i have a record of all the attempts at resolution from letters to complaints to calls to all. nothing. Accept this and let me out. i will declare bankruptcy shortly Hardship Letter for credit Card Account : To whom it may concern Due to my recent financial condition I am writing you this letter to request a settlement of my unpaid debt at 20 percent of the balance due. I am filing bankruptcy shortly. due to foreclosure. chapter XXXX This is the 4th time i have advised you. I can be reached only after XXXX XXXX to discuss. Over the last 20months my household income has dropped considerably due to ( job loss, medical condition, illness, etc. ), which has made it impossible for me to continue to make my full monthly payments. I asked for signed copies of agreements i never got and other information. Please note that I am trying to avoid a bankruptcy filing and that I am currently requesting debt settlements with all of my other creditors with whom I need to make similar arrangements and plans. I am requesting that you seriously review and accept my settlement offer. As soon as you accept it in writing, I will by XX/XX/XXXX mail the payment to your organization. XXXX dollars for all accounts. If not this will get discharged. My foreclosure can be verified on njcourts.gov XXXX XXXX If you have any questions or if you wish to discuss this settlement offer, please do not hesitate to call me and I can be reached at ( XXXX ). Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Click here to Reply, Reply to all, or Forward
06/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IN
  • 460XX
Web
Discover Card has their Trade line name list twice on my credit reports as if they have lent something of value you to me. Based off of how the Federal Reserve says banks create loans, GAAP and the true substance of the funds, Discover Card has not lent anything to me on the alleged information that they claim to be the " creditor '' on my credit reports. I have tried to have the false and misleading information removed from my reports, but unfortunately they keep saying that it " meets FCRA requirements ''. This note alone is false and misleading. If they are not the actual creditor on the alleged account and can not prove the substance of what the amount they have allegedly lent, then there is no way they are meeting FCRA requirements. The below cases below shows proof that banks do not have the power to be the creditor. Case Law A national bank has no power to lend its credit to any person or corporation... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. The doctrine of ultra vires is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked too often. Zinc Carbonate Co. v. First National Bank, 103 Wis 125, 79 NW 229. American Express Co. v. Citizens State Bank, 194 NW 430. " It has been settled beyond controversy that a national bank, under federal Law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires... '' Howard & Foster Co. v. Citizens Nat'l Bank of Union, 133 SC 202, 130 SE 759 ( 1926 ). " It is not within those statutory powers for a national bank, even though solvent, to lend its credit to another in any of the various ways in which that might be done. '' Federal Intermediate Credit Bank v. L 'Herrison , 33 F 2d 841, 842 ( 1929 ). . " ... the bank is allowed to hold money upon personal security ; but it must be money that it loans, not its credit. '' Seligman v. Charlottesville Nat. Bank, 3 Hughes 647, Fed Case No.12, 642, 1039. If any part of the consideration for a promise be illegal, or if there are several considerations for an unseverable promise one of which is illegal, the promise, whether written or oral, is wholly void, as it is impossible to say what part or which one of the considerations induced the promise. Menominee River Co. v. Augustus Spies L & C Co.,147 Wis 559-572 ; 132 NW 1122.
05/06/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33486
Web
On XX/XX/XXXX, I ordered two pair XXXX XXXX XXXX embelished leather Stiletto Sandals ( one black and one nude ) from XXXX XXXX ( merchant ) using my Discover credit card. The black pair of shoes arrived with no problem. However, the nude pair never arrived. Instead, what arrived in the package was a pair of worn XXXX XXXX XXXX beige pumps in a XXXX XXXX box ( see pictures attached ) that I did not order. When the worn shoes arrived on XX/XX/XXXX, I immediately phoned the merchant who sent me a label to return the shoes back ( see attached ). I immediately returned the shoes back to the merchant with a letter stating the shoes they sent me were not the shoes I ordered. On about XX/XX/XXXX, I received the dirty, old shoes back again from the merchant telling me the shoes were not sold by them. On or about XX/XX/XXXX, I phoned the merchant 's customer service number on their letter XXXX. I was transferred to a customer service manager/supervisor in XXXX XXXX, who barely spoke English and was not familiar with consumer rights per the United States. I asked him to start an investigation and send me videos of the shoes being packed and sent to my home, which he did NOT. I told him that he needed to start an internal investigation because either a dishonest employee or courier took my new shoes and sent me dirty, old shoes. The supervisor did NOT care. I then turned to the Discover ( the credit card company ) to dispute the purchase charge. Discover pretended to start an investigation and months later add the charge back to the account. Discover decided to side with the merchant. Per the last Discover credit card customer service agent, ( XXXX in XXXX ), I spoke with on XX/XX/XXXX, " she is sorry for what happened to me, but XXXX XXXX is their client ''. I have left several messages for Discover supervisors to call me back but Discover has gone silent and does NO longer discuss the above case with me. When I call Discover, customer service place me on hold and tell me they do not have any supervisors or managers in the whole institution that is available to speak with me. This is a fraud. I have been a victim of consumer abuse and economic crime by two powerful institutions. They stole from me by charging me for merchandise that was never delivered to me. I feel disgusted and overwhelmed with this situation. Discover has given me the run around since XX/XX/XXXX and keep on charging me the {$74.00} to my statement. I pay all my bills timely, however, I am not paying for this item that was not delivered to me.
09/15/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • SC
  • 29461
Web
[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX SC XXXX ] [ Date ] [ DISCOVER BANK ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX UT XXXX ] Subject : Dispute of Inccurate Information Under 15 USC 1681b and Request for Blocking Under 15 USC 1681c-2 Dear [ XXXX XXXXXXXX ], I am writing to formally dispute inaccurate information contained in my credit report, as permitted by the Fair Credit Reporting Act [ FCRA ], specifically under both 15 USC 1681b and USC 1681c-2 . This dispute pertains to the information reported by your agency under the permissible purposes outlined in 15 USC 1681b, as well as my request for blocking information related to identity theft under 15 USC 1681c-2. I recently obtained a copy of my credit report from your agency and have identified the following inaccuracies : Account Name : [ DISCOVER BANK ] Account Number : [ XXXX ] Date of Reporting : [ XX/XX/2023 ] Description of Inaccuracy : [ Describe the inaccuracy, such as incorrect balance, late payment account status ] Under XXXX XXXX XXXX, consumer reporting agencies must ensure that the information they report is used for permissible purposes only. I am disputing the accuracy of this information it has a significant impact on my creditworthiness. I request a thorough investigation into the accuracy of this information as required by 15 USC 1681b. Additionally, I suspect that this inaccurate information may be a result of identity theft, which falls under the provisions of 15 USC 1681c-2. To address this concern, I kindly request that you investigate the possibility of identity theft and block the reporting of this information if it is found to be a result of such unauthorized activity. Enclosed with this letter, please find copies of supporting documents that demonstrates the inaccuracies in the information being reported. These documents include [ list any documents you are attaching, such as payment records, correspondence, or statements ]. I request that you promptly investigate this matter in accordance with both 15 USC 1681b and 15 USC 1681c-2 and provide me with a written notification of the results of your investigation, including any corrections made to my credit report and actions taken under 15 USC 1681c-2 . Failure to comply with these legal requirements may result in further action to protect my rights under the FCRA. I appreciate your immediate attention to this matter and expect a timely resolution. You may reach me at [ XXXX ] or [ XXXX if you require any further information. Sincerely, [ XXXX XXXX XXXX XXXX ]
02/28/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • MS
  • 39157
Web Older American
They are XXXX creditors involved. # 1 is XXXX XXXX XXXXXXXX which I have my mortgage with. I had a credit card with about over XXXX dollars.Four years ago I was and still a single, was struggling to pay and when they started raises the interest, which I stopped charging I called and got NO help he told me they were not going to lower the interest nor cut back on some of the amount. I didn't hear from them for sometime. they had wrote it off. So about maybe XXXX years ago I get this letter telling me my debt was put against my montage this attorney from Louisiana. They kept sending me letters and calling me all the time. I called back no one answered so I left a message You put it on my mortgage so leave me along,,, Oh by the way I didn't get the letter to go to Court in XXXX MS until after the fact No one delivery it to me to pier in court. An Attorney is trying to contact me but it is not the same one I think. Tried to settle with them with XXXX but they didn't respond. I will get the name of the Attorney and all info to contact them. # 2 Discover. I have had Discover for many years, after 3 years they started contacting me but in Mississippi I thought was the dead line. Well anyway, I owed them round XXXX they kept jacking up the limit. well I lost my job around 2019? and I couldn't. so I told the supervisor could you lower the amount delete interest and lower it and put my payments at XXXX then when I get on my feet I will pay more. She said XXXX isn't much and she laughed so I know I couldn't pay it. I think it was about last year I told them I said I want to work this out but I couldn't pay but XXXX. So they agreed and I paid it, but they also put the XXXX as a loss then now I paid XXXX they sent me a tax thing and I owe XXXX more for interest, After the already claimed the XXXX as a loss with the interest. this is not far. Like everybody XXXX hit and no one had any money. My son helped me keep a float. I DID GET XXXX AT THE TIME BUT I AM FINE NOW BUT I AM XXXX AND I HAVE VERY LITTLE FUNDS. I tried to talk with a Lawyer, but I am not important enough. I tried to speak with someone a Legal Services but that man ( do not remember who he was but he told me there was no one to help. I know I made some of the debts but the interest and maybe some of it, it is not mind. No one at discover or XXXX XXXX XXXX said they wrote it off and they have nothing to do with it. My question is. If both of the creditors wort it off why are they still coming after me. They got credit It sounds like DOUBLE JEOPARDY.
02/09/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • MN
  • XXXXX
Web
Discover credit card offers consumers a way to see if they are pre-approved for a Discover credit card via Discover 's website. Discover allows consumers to check their pre-approval status once every XXXX days. Each and every time I seek pre-approval, I am denied because of " the number of recent inquiries. '' Despite a fair credit rating with a XXXX XXXX of XXXX, according to the credit data pulled on me by Discover on XXXX XXXX, 2022, I am still being denied because of " the number of recent inquiries. '' It is my belief that Discover is intentionally discriminating against me, and potentially other consumers, for seeking credit -- credit related to housing, automobiles, XXXX XXXX and any other form of credit. This is not only discriminatory but an unfair and deceptive lending practice by Discover ; Discover is knowingly and deliberately telling consumers that we need good credit to apply for and be pre-approved for their products, but we must not apply for any credit because applying for credit creates an inquiry, which according to Discover, too many inquiries is grounds for denial of credit. Such a model of lending and denial of credit is unfair and deceptive. How are consumers -- how am I -- supposed to obtain credit if I do not actively apply for credit and subsequently maintain credit? Discover is expecting the impossible of consumers with their unfair demands that we do not apply for credit. The numbers of inquiries on a credit report in no way reflects my ability to repay my credit obligations. In fact, I can not have any credit obligations unless I actually apply for credit which in turn requires a hard inquiry on my credit report from credit card companies such as Discover. Discover is engaging in unfair and unrealistic lending practices, especially when no human has even reviewed my pre-approval application for a Discover credit card. Furthermore, my XXXX XXXX alone, even without human intervention, demonstrates that I am creditworthy enough for Discover. It is unfair and impossible for lenders like Discover to expect good credit and then penalize us for applying for credit in order to maintain the good credit they require. Even after the online notification that Discover can not pre-approve me for a credit card, they still " invite '' and " encourage '' me to apply for their credit cards, which is also misleading and deceptive ; if they won't pre-approve me because of " too many recent inquiries, '' then they should not misleadingly and deceptively encourage me to apply for their products.
01/14/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Don't agree with fees charged
  • NJ
  • 08109
Web
My interest rate went up, when I was supposed to have a fixed rate. I pay through automation, so do n't login online hardly ever. The only communication I got was an e-mail to go in and look at my messages. It said a change in the interest rate but no details about up or down, so I had to call. When speaking to the rep, they blamed " XXXX bank '' since they bought the loans from them ( 4 years ago ). I also have XXXX loan with XXXX bank, and have no issue with them. If they own these loans, one would think they would be responsible to speak on them. I was set up for reduced payment plan, due to needing 1 month of assistance, but have been paying my normal owed the whole time. Due to paying " more than minimum, '' the rep claimed my payment wo n't be going up. I asked how not, if my rate went up a whole 1 %, and then the answer became, " well maybe not too much then. '' " Not too much '' turned into, maybe a couple dollars, then I figured out {$16.00} likely, which is not a couple dollars. I asked for the new minimum so that I could make bill adjustments accordingly and prepare, and they said they could not tell me my new minimum. So they are making it impossible for me to plan at all. I am going on maternity leave in a couple of weeks so they suggested I also Forbear ... they told me I have 1 year for the life of the 20 year term to forbear and I used 6 months right out of school, so that would leave me with XXXX days left ( not even 3 full months ). I asked where my other 3 months and 3 days went and they had no answer, and then said I have to wait a couple weeks ( close to my due date ) to set up forbearance for XXXX. When I stated that all of this was controversial information and no concrete information was given to me, and it 's not making me confident they are acting legitimate, they told me if I was unhappy, I should find a new lender and consolidate. Discover is NEVER there for you, and when I call them for anything, every rep has different information. Nothing is consistent. They make it impossible to save any money, and impossible to confidently pay these things off. I set up automation years ago to save money, and in XXXX I was supposed to hit the term where my interest would go down, therefore payments, because I have consistently worked to pay timely. Now they jack up the interest, so all my hard work toward saving this summer is down the drain. My payment is more than my mortgage, and at this point, I can not put this bill before my child 's healthcare and above my mortgage payment.
08/25/2016 Yes
  • Credit card
  • Billing disputes
  • OK
  • 73072
Web
I received at unverified email from Discover concerning a past due amount on my account of approximately {$37.00}. I 've never had a missed payment with Discover, so immediately called the number on the email. The next 20 minute were the most invasive, pressure filled customer service encounter I 've ever experienced. The operator proceeded to tell me that I had only paid {$30.00} of a {$67.00} bill and I had been accessed a late fee of {$27.00} and interest penalty ; however, if I authorized her to get into my XXXX XXXX XXXX checking account she could take my money. In shock about her knowing my bank account number and threatening to access the account, I explained that I was driving and preferred to wait until I returned home to review my statement, payment history, and to make sure this was n't a scam. Immediately, the representative asked why I would doubt she was legit, because I called her? She stated that unless I gave her permission to access my XXXX XXXX XXXX account or made an phone payment, I would be penalized. Again, I explained I did n't feel comfortable giving her access to my banking account. At this point, I felt very uncomfortable and bullied. Remember ... I 've never missed a payment. Why was I being bullied by a collector for a {$37.00} payment 10 days past due? She then insisted on taking my cash rewards of {$38.00}. When I refused she again applied undo pressure. I refused all of her offers and her tone changed from aggressive to anger. I let the call with, I 'll contact customer service when I get home. I made a mistake on the payment and immediately called the number listed on my statement. The represenrative seemed to be sympathetic to my situation at first, but then immediately went into collection mode with the same barrage of questions, including having access to my checking account. She used my rewards to bring the account current but refused to reverse any charges because I would n't pay next months bill in advance. She asked me a lot of questions almost like an interrogation. At this point, I had had it ; refused to answer any more questions and explains that I had taken all I was going to take in one day. It was the most brutal customer service experience I can ever remember encountering. I am a XXXX. In my 21 years in this position and XXXX I do n't know that I have ever experienced anything like my two experiences today with Discover Card. As a long time loyal customer, I will sever ties with Discover Card, and will communicate with the CEO my incredible experience.
03/19/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TN
  • 37801
Web Older American
XX/XX/2012 I was locked out of XXXX to complete a transaction. After trying to contact XXXX for over 2 hrs. I finally reached someone believed to be an XXXX associate who told me my problem was verifying my credit card. I was then told to go to XXXX and purchase 2 gift cards valued @ {$200.00} each which they showed on my cell phone was transferred into my account. Then told they didn't take after giving them the number of cards and that I needed to go to a different store to purchase others. I continuing asked them about this unusual system XXXX was using to test my card however they convinced me that it would be fine and I would be able to get into the computer soon. Now it ended up being three XXXX cards for {$500.00} ea. same thing showing on my phone the exact amount was transferred into the charge card which had the exact last numbers that I use. Finally when they insisted one more card was needed this went onto Discover for {$500.00} I was worn out arguing with them. The previous transaction was on my XXXX card. Now I contacted the credit cards minutes after I got home and noticed my computer was now unlocked. Both XXXX and Discover were notified ; This people were man and wife and the call was from XXXX XXXX CA. and represented XXXX which to me is fraudulent however because they instructed me to purchase the cards both XXXX and Discover this to be a scam of which even though it was on a credit card will not remove the cost, I am a senior and live on social security and try to supplement by selling little items on line. I always pay any credit off monthly so as not to incur interest, however, this is impossible for me to do at this time, I went into XXXX and explained my situation to no avail and I even asked if they would keep the interest off if I paid it off monthly, answer was no. How cruel can they be as I have been banking with them for at least 4 yrs. and NEVER missed a complete payment. Discover will take the interest off for the first month only however, between the both I'm at a dead end. I gave XXXX complete information. I contacted all of the above within minutes after realizing I had been scammed. You are my final resort for help. No one can realize what a burden this has put on a senior who just wanted to supplement her income. I did nothing but believe crooks who found and knew everything about my address, banking, etc. Everything had to be deleted and new cards issued, Horrible lesson to learn in times like these when prices of everything is on the rise. PLEASE HELP ME!!!
06/30/2016 Yes
  • Credit card
  • Credit card protection / Debt protection
  • FL
  • 33322
Web Servicemember
I had a Discovercard account protected by their Payment Protection XXXX program. I filed a valid XXXX claim for XXXX sustained on XXXX/XXXX/XXXX, that was approved. As required by the plan, I submitted periodic continuing claim forms. In XXXX, XXXX, I was declared by XXXX of my physicians and XXXX Social Security physicians XXXX and unable to work. It was decided that I would never be able to work again. My continuing claim forms had been indicating for the past year that my XXXX had gone from temporary to permanent with no statement from Payment Protection even when asked. The only statement I received from Payment Protection was after filing my Continuing Claim form in XXXX, XXXX, I received an email stating that my claim had been approved. That would be the last correspondence I would receive. As my injuries would lead to the discovery of an XXXX, and I have no familial assistance, my energies and focus went into handling my health. Not receiving anything from Discovercard, I was not thinking of them until I received a letter from a XXXX XXXX in XXXX, XXXX advising they were ready to put the account in an attorney 's hands for suit. I wrote them and advised that the account was supposed to have been paid off by Payment Protection and sent copies of the XXXX 's. I received no response until I received a correspondence from a local attorney. I responded to him by sending him the documentation from the Payment Protection claim and advising him that pursuant to the terms and conditions of my contract with Discovercard Payment Protection XXXX, I had an approved XXXX claim and as far as my understanding, the claim paid off the debt. Two months later, I received a non-responsive correspondence containing my application, years worth of statements and what appeared to be a canned form cover letter stating that the enclosed was proof addressing my concerns. Nothing about the payment protection. I answered back on XXXX/XXXX/XXXX. No response from Discovercard 's attorneys. On XXXX/XXXX/XXXX I sent a follow up stating that barring a response otherwise, I was presuming that they had found they were in error and had performed an investigation and found themselves to be wrong. Again, no response. I found out today that on XXXX/XXXX/XXXX they wrongfully filed suit against me for a debt I do not owe. I have yet to be served. My issue involves : Credit Protection/Debt Protection Over Limit Fees Late Fees Other Fees Transaction Issues Delinquent Account Customer Service/Customer Relations Billing Disputes
06/17/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • GA
  • 30062
Web
Dear Consumer Financial Protection Bureau, I am reaching out to you once again to express my concerns and dissatisfaction with the manner in which Discover Bank has handled my recent claim for fraudulent charges on my credit card account ending in XXXX. On XX/XX/2023, my phone was stolen, leading to multiple unauthorized transactions across my credit card accounts with several banks, including Discover Bank. The fraudulent transactions resulted in a total of {$450.00} unauthorized charges on my Discover account. This crime has been reported to the XXXX Police Department as part of a financial fraud investigation ( Case No : XXXX ), with the event being detailed in the attached police report authored by XXXX XXXX ( # XXXX ). Despite this, Discover Bank denied my claim, stating that the transactions were verified via my email and phone - both of which were in the hands of the thieves at the time. Furthermore, they insinuated that I should have reported the theft and fraudulent activity earlier, ignoring the fact that my ability to do so was compromised due to the loss of my phone. In stark contrast to Discover 's conclusion, other leading financial institutions such as XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, who also had my cards in the mobile Apple Pay wallet at the time of the theft, have conducted their investigations and unequivocally confirmed that the transactions in question were indeed fraudulent. This leads me to question the rigor and integrity of Discover 's investigation. Why does their conclusion deviate so markedly from those of these other major banks? Under the provisions of the Fair Credit Billing Act ( FCBA ), I am safeguarded from bearing liability for unauthorized charges on my credit card account beyond {$50.00}. Many credit card issuers, including Discover Bank, ostensibly operate under a zero-liability policy for fraudulent charges. It appears, however, that Discover Bank has chosen to ignore these protections in my case. I strongly request the CFPB to step in and conduct an impartial review of my case. Discover Bank 's refusal to acknowledge the evidence and honor their own zero-liability policy amounts to a violation of my rights as a consumer. Attached to this letter, you will find the police report, evidence of fraudulent transactions, and other related documents for your perusal. Thank you for your attention to this matter. I am hopeful that your intervention will bring about a just resolution to this matter. Yours sincerely, XXXX XXXX
12/27/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33625
Web Servicemember
XX/XX/2019 I ordered one bottle of vitamins online thru an ad pop up using my Discover card, I received 2 bottles and was charged for both. I called the company and the lady said you have to have both. I said no I will return it, she said no returns and hung up. I called Discover card and the lady said call company and tell them cancel and send a confirmation via email. I called and the lady screamed at me, '' you can not cancel '', and hung up on me. I called Discover back told CSR what happened and the {$4.00} x 2 charges were credited back to me. 2 months laterXXXX, I get 2 charges of {$89.00} charged to my account from the XXXX company. I called Discover and told them cancel my card or stop this company from charging me. I have no products or services for this charge and I told them to cancel my account in XXXX. I was told to call the XXXX company so I did, they said I got my Discover card involved and I can not call them, XXXX, and hung up on me. Discover card credited the two charges and told me there is a stop charge from XXXX and they can not charge anything to my account anymore. The following week, XX/XX/2019, I was charged {$94.00} x 2 from XXXX. I once again called Discover and told them no products or services are being received from this company and they were not supposed to allow any more charges from them. They said we really can not stop them from charging anything. But she credited me the two charges. The next day I received a package from XXXX which I refused and the mailman took it back. My XXXX bill from Discover card has all these credited charges reinstated on my bill. The Discover CSR said XXXX disputed the credits so I have to pay them. I have no products or services for these {$360.00} charges. I wanted to talk to a supervisor and wanted copies of all Discovers investigations into this company and disputes and was told No. I asked for a supervisor and was put on hold and after 5 mins I hung up. I tried numerous times to get a supervisor and was told someone will call me back in 72 hrs, no one ever did. I called again and same thing, someone call me back in 72 hrs. That last call to Discover was XX/XX/2019 and it is now XX/XX/2019 and no one has called me back I pay my bills on time and have very good credit. Discover card took the word, with out an investigation apparently, of this non reputable company, XXXX, that another Discover CSR rep told me they have many complaints with, and continue to charge me for products and services I do not have or did not get.
07/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TN
  • 38117
Web
I have had a Discover card for over XXXX years and always have had my account set for automatic payments. In XXXX my checking account was compromised by criminals and my bank said that I would have to close my checking and get a new account with a new number. I called Discover on XX/XX/ and notified the rep that I had a new checking account number and that I wanted to manually process my XXXX payment and that I wanted my old checking account deleted and the new account added for automatic payments going forward. I read my new account number to the rep no less than four times. I ended the call, thinking that all was well and thought no more of the issue. On XX/XX/ during the middle of the day, I received a call from the collections department at Discover. I explained to the rep on XX/XX/ what my conversation with the rep on XX/XX/ was and how I had given them my new checking information. The phone rep said that Discover had tried to process my payment on my OLD account and that it had been returned. I gave the rep my checking information for the FIFTH time on XX/XX/ and she processed my payment and said she was adding the account to automatic payment. The rep went further to tell me that Discover would listen to the XX/XX/23call and would find out why the rep failed to perform his job. I left the call on XX/XX/ feeling that my issues were resolved and no further action was required on my part. OXX/XX/23 Discover did not process my automatic payment as they should have. Discover reported me as late on the credit bureaus. On XX/XX/23Discover reduced my credit limit from {$33000.00} to {$24000.00} which caused me to be over my limit, and also began charging me the " default '' rate. On XX/XX/ I called Discover, spoke to a rep named XXXX in the XXXX call center ( XXXX is her supervisor ). XXXX assured me that she would look into this issue and that she would call me back on my cell phone onXX/XX/23 at XXXX XXXX. XXXX never called, I waited until XXXXXXXX XXXX and called Discover onXX/XX/23I spoke to a rep in Ohio named XXXX. XXXX was very professional and at present says that he is still looking into the matter. I need for Discover to remove the late payment report from my account and from the credit bureaus immediately. I want my credit line restored back to {$33000.00} where it was prior to XX/XX/ and any default apr to be removed and the apr to reflect a customer in good standing. I want a written apology from DISCOVER. I have NEVER BEEN LATE paying DISCOVER.
04/08/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • SC
  • 291XX
Web Older American
I called the following Discover Card services and spoke with supervisors XXXX XXXX XXXX XXXX and XXXX ( XXXX ) about money coming from my bank account for a Discover Card that I had not used in over 20 years : DISCOVER BANK XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX On XX/XX/XXXX at XXXX XXXX I spoke with Discover Card supervisors, XXXX ( XXXX ) and XXXX ( XXXX ) about Discover Card charges that was on my free annual credit card report. I am XXXX XXXX XXXX, and I have not charged any purchases on the Discover Card since XXXX. My daughter checked my credit, today, because money was being taken out my bank account, monthly, and I didn't know how to stop it. I was told by XXXX and XXXX that I was being charged for XXXX XXXX ( {$5.00} ) and XXXX XXXX XXXX ( {$2.00} ) on a credit card that I had not made a purchase on in over 20 years. I never requested protections from Discover Card. Discover Card has been charging me {$40.00} per month for {$8.00} protection plans. I paid off $ XXXX to Discover Card in XXXX for a XXXX charge, and asked them not to charged anything else on this card. Now, Discover Card is stating I owe {$1400.00} for no purchases I made, but for the protections on the credit card, and Discover Card has been charging my account {$40.00} since XXXX. Why would I put protections on a card that I have not used in 20 years? I am old and I am not educated about these new things, but I am on a fixed income and I want my money back. I have never used Wallet Protection or Identity Protection. I do not know how to use these protections. I just want my money back. If my daughter had not check on my credit, Discover Card would have still been charging me $ XXXX monthly. How can you charge for protections on a credit card from someone that has not purchased anything on the card for 20 years? The card should have been made inactive after the cardholder had not made any purchases in 12-18 months. I feel like Discover Card took advantage of an elderly person that just didn't understand about the charges, and didn't realize that the payments were for protections for the card. I am too old to give Discover Card {$9000.00} for a card that has not been used for purchases in 20 years. XXXX said that I would be refunded XXXX payments : {$240.00}. Discover Card charged me {$40.00} for 240 months. I am XXXX XXXX XXXX, and I can use that money for medical bills and medicines. I do not need a Discover Card and I do not need the services of Wallet and Identity Protections I do not want.
07/18/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • OR
  • XXXXX
Web Servicemember
I have a DISCOVER BANK CREDIT CARD which for the year XXXX - XXXX have taken out balance transfers BALANCE TRANSFER HISTORY : {$3900.00} Deposit into Checking DISCOVER BANK ending XXXX Sent to your checking account on XX/XX/XXXX. Promo APR 6.99 % Promo Expires XX/XX/XXXX {$7000.00} Deposit into Savings DISCOVER BANK ending XXXX Sent to your checking account on XX/XX/XXXX. Promo APR 0 % Promo Expires XX/XX/XXXX {$7000.00} Deposit into Savings DISCOVER BANK ending XXXX Sent to your checking account on XX/XX/XXXX. Promo : APR 0 % Promo Expires XX/XX/XXXX My problem and issue is this : I have two {$7000.00} Balance Tranfers that will be expiring their 0 % APR on XXXX and XX/XX/XXXX In order to off set the high Interest rate of 17.99 % that I will be charged when the 0 % APR expires. I took out another Balance Transfer on XX/XX/XXXX in the amount of {$3900.00} at 6.99 % for 15 months in order to pay off the oldest loan expiring on XX/XX/XXXX Much to my distress is upon requesting an update on my loans balances, I find out that Discover had taken the {$3900.00} payment that I send and applied the payment to the newest loan instead of the oldest loans. In essence they took the payment of {$3900.00} and paid off the new loan of {$3900.00} in full by XX/XX/XXXX. Here 's is the update of my Balance transfers owing : CHAT MESSAGE XX/XX/XXXX Hello XXXX! This is XXXX in XXXX XXXX XXXX. I would be happy to help you today with an update of your balances. The balance ( s ) disclosed is as of today XX/XX/XXXX Balance transfer - Expires XXXX XXXX, balance of $ XXXX 0 % APR Balance transfer - Expires XXXX XXXX balance of $ XXXX 0 % APR Balance transfer -Expires XXXX XXXX balance of {$0.00} - 6.99 % APR Here 's my Payment History : Payment Date ; Amount XX/XX/XXXX {$1000.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1200.00} -- This Payment was also applied right away to the loan of XX/XX/XXXX I have been notifying Discover Credit Department of their error in applying my payments. I have always understood that the oldest Balance Transfer will be paid first. I believe that they have deceived me and dishonored their agreement by taking my payments and paying off a loan which they agreed to give me 15 months to pay back. This will give me undue stress when I have to start paying the high Interest after XX/XX/XXXX In order to resolve this issue is for Discover Bank to honor their agreement and apply my payments to the oldest loans first. Thank you, Sincerely, XXXX XXXX
01/26/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MA
  • 02301
Web Servicemember
I have a balance ( for what feels like forever ) with Discover card. I agreed on a monthly payment plan. Without my authorization Discover fraudulently took funds from mother 's account. I'm not sure how they got my mother 's information other than once she allowed me to use it to hold a hotel reservation which I ultimately used my Discover card to pay the hotel bill. My mother is XXXX years old an can not afford to have had this money taken from her. It got by both of us because we were grieving the XXXX of my father and my husband had just suffered a massive XXXX. My father paid all of their bills so it was much later that my mother realized this money was coming out of her account without our authorization. On XX/XX/XXXX I spoke with a Discover card representative, XXXX. I explained that they were drawing money from my mothers account without permission. I asked her to produce paperwork showing that I gave them permission to access my mother 's account. She told me that they don't keep those records but that she would refer me to the fraud department. After not hearing back from anyone from the fraud department I called Discover again onXX/XX/XXXX, spoke with XXXX, was told again that they would refer my complaint/request to the fraud department and again I never heard from anyone, but they continued to bill me every month. Subsequently I had to make another payment arrangement because the {$14000.00} balance had not really decreased in three years because of the incredibly high interest rate I was paying. I have a payment arrangement letter dated XX/XX/XXXX informing me that my direct pay would begin on XX/XX/XXXX. This letter does not show my account number but this is when they retrieved archived information and automatically took the money from my mother 's account. I did not realize this was happening. I just received a monthly email notification that the payment had been made. During that time I was transitioning from having my XXXX husband pay the bills to me assuming responsibility for the bills. However, I also have the letter dated XX/XX/XXXX enrolling me into a new direct pay agreement showing the ( my ) account number that I gave to them. They fraudulently stole money, approximately $ 7,000+ from my mother. I believe that their unwillingness to assist me in addressing this matter is an indicator of guilt. My mother is on a tight fixed income and can not now afford to make repairs in her home because this money was taken from her illegally and she doesn't have extra money.
11/16/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • TX
  • 75044
Web Older American
Justify your action for closing the account I never made the state that this account was open fraudulently. I tape recorded the conversation too. Account Center Last 4 # : XXXX Discover logo XXXX XXXX XXXX, your temporary password for Discover.com has arrived Your temporary password is : XXXX Phone number and address was verified also the charges on the account were verified as well. After all charges were verified and dates, the worker from Discover stated that she would be sending out a new card. I never received the card therefore, I called into the company XXXX requesting when was the new card sent out. I was told that it was stated on the phone call that the account was open fraudulently, it was stated these are the words I used and due to these word the account was close. XXXX stated that due to the facts an investigation has been set up on the account. It will take up to 90 days to respond, therefore, I am requesting a full investigation about this matter. Send out another card to my address or Or keep the account close and I will not be responsible for any charges on the account. The Company close the account they stated they have noted that the account was open without my consent. So, they close it and they are responsible for any action of their employee regarding what every the person wrote I never made this statement XX/XX/XXXX, XXXX Survey from this company XXXX XXXX ESPANOL How would you rate us? Wed love to hear what you have to say! This is a reminder for an email you received XXXX days ago. We are following up because Discover is interested in getting your opinion regarding a call on XX/XX/2021 with Discover Customer Service. Your response on the level of service you received will help Discover improve their service quality. The survey should take just a few minutes. Please note : This survey does not require any personal identification or account information. How satisfied are you overall with Discover? Very Dissatisfied Neutral Very Satisfied 1 2 3 4 5 6 7 This survey link will expire in two days. Thank you for your time and participation. Your response will help Discover better meet the needs of customers like you. Sincerely, In Moment on behalf of Discover Customer Service Sent payment statement Your statement is ready Your statement will arrive in the mail. You may also log in to your Account Center to view it online. Statement Date : XX/XX/2021 Statement Balance : {$4700.00} Your minimum payment of {$96.00} is due on XX/XX/2021. View Statement
09/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • XXXXX
Web
Dear To Whom It May Concern, On XX/XX/XXXX, I have contacted Discover about un-authorized payments made and un-authorized charges made on my account. I have provided detailed information and all the charges that were not authorized. Someone had hacked my online account and added the card to their XXXX XXXX/online charges. When I notified Discover they disputed all the wrong charges : which caused all of my merchants that were on auto-pay to be owed again. They apologized and attempted to sent the money back to the merchants that were authorized. With Speaking with them again on XX/XX/XXXX, I have spoke to another representative to have the correct charges disputed. At that point I have closed my account to make sure not other charges go through. With the ATTEMPTED correct dispute. I have waited another 60 days and they have denied my claim. Un-Authorized payments and charges were made on this account and they kept denying my claim. I offered to file a police report and XXXX on XX/XX/XXXX said it wouldn't have mattered. Complete mess, My limit was {$3200.00} and it shows I owe over {$14000.00}. Explaining the situation again they wanted to set me up on a hard-ship payment plan which they did for 60 months. I am not responsible for the mishandling of this account by the fraudster or the bank. This has been a total nightmare dealing with this bank and trying to get this account resolved. On XX/XX/XXXX, I called 3 times and got hung up on. Attempted to speak with a manager for a settlement ( even though these charges are not mine ) except the ones that were for my bills. They told me no settlement is available and I made these charges. Why would I rack up {$14000.00} of debt if my limit is only {$3200.00}. My account prior to this summer was paid on time and kept a low balance. I have been treated so bad and this is ruining my life. I am tired and stressed about this situation and don't know what else to do. I received a call back from a supervisor named XXXX on XX/XX/XXXX. She stated she doesn't know why I was held responsible for these charges but can not settle. They don't have that option anymore. I will provide a police report or anything to have this account situated. I have been dealing with this for almost a year. They told me they can file a complaint but that wouldn't do anything. I told them I would go with the CFPB and possible an attorney she said it did not matter they can't help. I am not sure if you can help but this is driving me insane. Please assist me in this matter.
12/16/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 93307
Web
I called the CFPB a few times and unfortunately must file this complaint. I called Discover the night I saw on the front of my phone the outrageous charge of XXXX and went in shock. I don't do fancy stuff for myself, and went to this spa, and this woman said it would be XXXX dollars. She charged me another XXXX or so for some XXXX pads, and I tipped her cash another XXXX dollars as well. She writes a receipt on an old fashioned pad and gives me a copy. She put some papers in a bag. She rented a room out of a doctors office and canceled on me numerous of times. The invoice was all scribbled on and had a row of numbers at the top. Nevertheless, Discover reused to acknowledge this was fraud, and filed it as inaccurate. They reverse the charge back to my card, and I contact them. I upload the receipt to them and spend all day on a Saturdays trying to email the receipt, finally I get it to them by way of the XXXX store 's fax. I call to confirm on Monday, and I am told after being told on Saturday if I get them the invoice, they will happily just come to a resolution and can see this was not right. The woman re-wrote her receipt and made the transaction of it instead of being XXXX to XXXX and I proved she inflated this whole transaction. The invoice numbers were forwarded too, and she backdated the new receipt. Discover still after speaking with a new person the following Monday decides to renege on their word immediately! I then was angry and decided I can't trust this company at all, and had to close my account. This has impacted my credit. Today, I also receive a personal loan for XXXX dollars as a courtesy, but Discover decides to block me from calling them on any of their numbers because I insisted on asking for their legal department, asking for their terms and conditions in which they refused to give, asking for a supervisor to call me back in which never did, asking for a formal complaint, and they refused to give me the headquarters address as well. Discover is full of fraud themselves and is not showing any transparency themselves. I have left a message on their attorneys line and this sparked an outrage from yesterday! I have worked in superior court many years and have filed thousands of documents and know exactly how to navigate a system. Their completely out of control. The more I called the more I found out they would just leave me on hold and never come back on the line. This is brutal and I have plenty of years of credit cards to know there is something seriously wrong.
07/09/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • DC
  • XXXXX
Web
For almost three years, I've been trying to work with Discover card to inform them that this account was opened without my knowledge or consent. Most of my work can be chronicled on this platform. Throughout that time, I've witnessed a cascade of lies, misinformation and stall tactics employed by Discover. I've made it clear that I wasn't in the District when this account was opened, and when this card was used. Their response has evolved from : -we know he opened the card, but we have no proof ; -now our proof is a bunch of credit card statements -oh wait, we have application information that includes your relevant information, and we were able to verify it ( although that would have been hard since I WASN'T IN THE AREA FROM XXXX ). -We can't share application information, and we used an email address as part of the application, but we don't know exactly what email address. -Oh wait, we have the email address, and it's the one used on this complaint ( which became their position in XX/XX/17 AFTER I PROVIDED THEM WITH MY EMAIL ADDRESS ). -Then it was " we mailed you the attached statements. '' Then, " well, we didn't, we sent them via email, but we can't tell you which email address. '' Then " oh yeah, we sent it to the email address that you provided us, but we can't show you. '' -Then it was " well we can't show you the application, because it was submitted via the web. And because our systems are proprietary, we can't screenshot it and provide you proof. '' **Note** as a person who XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I can tell you this : no matter how proprietary the tech is that drives the site - every site has a " print fields '' function on data that they collect. I have a hard time imagining that Discover is any different. ** Then they claimed that they were going to sue me, but the statute of limitations to sue has expired. And in my last complaint, I finally found, and provided, proof of residence in the form of my signed subcontract least, placing me in OHIO during the time this account was opened. Yet, there was no mention of this during their last response. CFPB - there is a long and lengthy paper trail in the form of their responses that supports eveything I've documented. Discover - if you had any real proof, you would have sued. However, I can sue - for a variety of FCRA violations, along with libel and defamation of character. I've provided you with proof that I wasn't here with this application was opened. Fix this now. I've run out of patience.
06/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IN
  • XXXXX
Web
Summary : I purchased goods from a company in XX/XX/XXXX who went bankrupt in XXXX of XXXX and never placed my order. I have never received the goods that I paid {$5100.00} for and Discover to refusing to refund my money. Discover clearly states on their website that " incomplete service '' is a valid reason to dispute the purchase : From Discover 's website, " How to Dispute a Credit Card Charge '' : " Did you pay for something that was never delivered? Was there a quality issue that affected your ability to use your purchase, or the product you received wasnt as advertised when you charged your card to pay for it? While youll need to make a good-faith effort to solve the problem with the merchant first, you can also dispute credit card purchases where there were these types of service issues. '' I have worked tirelessly, submitting documents showing clearly that the company is no longer functioning, that they have told me that I will never receive the goods that I paid for, and have spent hours on the phone with Discover. Discover requires that I make a " good-faith effort '' with the merchant first, which I have attempted to do. Since the company no longer exists I have not been able to successfully reach them. XXXX : XX/XX/XXXX : Purchased XXXX pieces of furniture from XXXX XXXX for XXXX using my Discover credit card. Was told by XXXX XXXX that the items would be shipped in XXXX weeks. XX/XX/XXXX : Received an email from XXXX XXXX saying the furniture would not be delivered until XX/XX/XXXX. XX/XX/XXXX : Received an email from XXXX XXXX saying they filed for bankruptcy and liquidation of all assets. Order status was changed to " Currently unable to fulfill. '' XX/XX/XXXX : Filed dispute with Discover for fraud due to " goods never received ''. Uploaded all documentation from XXXX XXXX declaring bankruptcy. XX/XX/XXXX : Receive status update from XXXX XXXX : " Unable to fulfill order '' XX/XX/XXXX : Discover says they have completed the investigation and the transaction is found to be valid. XX/XX/XXXX : Called Discover to reopen dispute, Discover says they can not reopen but will send to supervisor XX/XX/XXXX : Called Discover, says it is under review by supervisor XX/XX/XXXX : Called Discover, says it is under review by supervisor XX/XX/XXXX : Called Discover, no update XX/XX/XXXX : Called Discover, they say that I must contact XXXX XXXX and get proof that credit is due on this account. Can not contact XXXX XXXX as they have not been a company since XX/XX/XXXX.
08/22/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MI
  • 48220
Web Older American, Servicemember
If I did not have payment protection then WHY did the Federal courts in NY order then to stop requiring card holder pay for it? Discover Financial Services has reached a {$10.00} XXXX class action lawsuit settlement over allegations it duped its customers into signing up for the fee-based products : Discover Payment Protection ( formerly known as Discover AccountGuard ), Identity Theft Protection ( formerly known as Profile Protect ), Wallet Protection ( formerly known as The Register ), and Credit Score Tracker. As a result, consumers who were enrolled in one of these products between XX/XX/XXXX and XX/XX/XXXX may be eligible to receive up to {$30.00} from the Discover product class action settlement. I stop using My cards in XX/XX/XXXX hen they refused to owner my XXXX clam! I found out that I had another discover card but it came with {$5000.00}. already charged to it! I paid them on line. My wife sent in checks. She would send them {$200.00} and what we owe them would go up {$2000.00}! A few times they tried to take {$2000.00} to {$5000.00} from my bank account! Computer errors they said! They would add this amount that they could not get from my bank to what we owe them! I put a stop o all transfers from my bank to less then {$200.00} except my House payment! Which I got a few calls from XXXX XXXX XXXX claiming that they own my mortgage and I had to send then money over the phone to them NOW or they would foreclosed on me! I did get a lot of phone calls from their lawyer XXXX XXXX XXXX XXXX XXXX saying that they are going to take my home and put me into jail! XXXX, XXXX. Today, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit in a federal district court against the debt collection law firm XXXX, XXXX XXXX XXXX for falsely representing in millions of collection letters sent to consumers that attorneys were involved in collecting the debt. The law firm made statements on collection calls and sent collection letters creating the false impression that attorneys had meaningfully reviewed the consumers file, when no such review has occurred. The CFPB is seeking to stop the unlawful practices and recoup compensation for consumers who have been harmed. I found out that I have an XXXX XXXX card that had transferred {$5000.00} to Discover Bank! Also funds were transferred to discover Bank from my XXXX and XXXX cards! All were computer errors??? As they kept telling me and now are lying to you! Tis XXXX with them started when I informed the that I was an XXXX veteran!!!
03/05/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • LA
  • 70072
Web
Application # XXXX On or about XX/XX/XXXX I applied for a DISCOVER it Credit Card with DISCOVER. I received a denial letter on XX/XX/XXXX stating reasons I was denied ( Denial Letter Attached ). I then mailed DISCOVER an adverse action letter addressing the denial ( Letter Attached ), in which I received no response from the financial institution. I do believe I was discriminated against, as I know my credit score has nothing to do with an approval. Even if DISCOVER denies me, they can still deposit the application into the Federal Reserve Bank for notes. I would like DISCOVER to understand that I am aware of how Financial Institutions do business in commerce on the private side. I understand that my signature creates the security collateral in ANY consumer credit transaction. I am aware that the term credit means the right granted by I, the original creditor, to a debtor DISCOVER to defer payment of the debt or DISCOVER to incur debt or a loan from the US Treasury and defer its payment. This makes DISCOVER ( 12 U.S.C. 1431 } a borrower or solicitor who induced me to the treasury window to receive funds unbeknownst to me, at the time of the transaction. I, the consumer, came to extend credit and not receive a loan from the U.S. Treasury. DISCOVER 's lack of willful full disclosure was the fraud of execution in conjunction with fraud of inducement brought forth by DISCOVER. I am aware that although I was told I was denied, the application was still deposited into the Federal Reserve Bank for notes. The Federal Reserve Act Section 16 parts 1 and 2 states this fact. I am also aware, in accordance with the term creditor in subsection 1602 ( g ), pursuant to 15 U.S. Code 1602 ( i ) a consumer in reference to a credit transaction is the party whose credit is extended from is a natural person and the subject of the consumer credit transaction is primarily for personal, family, or household purposes. Furthermore, I am aware that my social security card is a credit card pursuant to 15 U.S.C 1602 ( l ) as any card, plate, coupon book or other credit device. Existing for the purpose of obtaining money, property, labor, or services on credit. I am also aware that the unlawful use of a credit card such as ( Social Security Card ) under 15 U.S.C. 1602 ( l ) by a organization or person other than the card holder who does not have actual, implied, or apparent authority for such use and from which the cardholder ( me ) receives no benefit equals unauthorized use pursuant to 15 U.S.C 1602 ( p ).
10/14/2015 Yes
  • Credit card
  • Closing/Cancelling account
  • WA
  • 98117
Web
Discover canceled my card for inactivity and they did so with a complete lack of adequate warning. Since I am a XXXX, I know that this will impact my credit score as this was my oldest open credit card and it will reduce the total credit availability to me so my utilization rate will now increase. I received an email on the day they closed my account ( XXXX/XXXX/15 ) saying that my account had been closed for inactivity. When I called customer service, they said the account had already been closed and could not be reopened without new application, which defeats the point. When I expressed my dismay that they did not provide any notice, they said two things that I can not accept : 1 ) " Well, we sent you a letter on XXXX/XXXX/15, '' XXXX it may have been XXXX ), and 2 ) " We are not required to provide any notice. '' First of all, sending me a letter 2 days before you take action is not " notice. '' I actually still have n't received this supposed letter, but even if it had the correct address or they really mailed it, I still would not have received it in time to use the card and prevent the closure. Second, the fact that they said they are not required to provide notice really irritated me. I have been a customer of theirs for 19 years and have almost an XXXX credit score. Just because they do n't HAVE to does n't mean it is n't good business to do it. So, I told them I 'd be complaining to the CFPB because maybe they SHOULD " have to '' as it negatively impacts people 's credit score when it happens. I think you should make a rule that they have to provide 30 days notice before closing a card for inactivity. It also sounded like they can define the length of inactivity that warrants closure as they see fit, so I think another component of the rule should be an industry standard for what length of inactivity has to be met before closure can happen. Because I work in financial empowerment, I know this probably happens to a lot of people who do n't understand how it will impact them. For example, I am JUST about to apply for a HELOC and this could impact my interest rate or even my ability to get approved. Could you imagine if I were in the process of buying a home and my lender had given the typical " do n't change anything with your credit '' instructions and then this happened before closing?! It could tank the whole deal for someone. I 'm making sure that someone who can do something about it hears about it. I hope you 'll make a rule so other consumers can avoid this.
07/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • NY
  • 113XX
Web
On XX/XX/2017 I used my credit card for a friend that lives out of the country to pay a some type of fees on his timeshare account with XXXX XXXX XXXX XXXX XXXX XXXX ; Because his credit/debit card was declined due to his banking security issues and he was not able to use his own credit/debit card at that time, so I used my card for the transaction. That was the ( ONLY TRANSACTION ) I allowed to be made on my credit card and never signed any contract with XXXX XXXX XXXX XXXX. ; After a couple of months I was traveling in XXXX and tried to use my card for a small purchase and the transaction was denied, I figured that the transaction was declined because I was out of the country at that time. Once I arrived back to the United States I contacted my bank and logged in to my online account only to find out that there were several large amount charges from XXXX XXXX XXXX / XXXX on my credit cards, so I contacted my credit card companies and let them know that the transactions were not authorized by me, so they place a claim for the transactions. Everything seems to be fixed for a while but after a couple of months the charges were reversed back to my account and the bank issued me a letter stating that XXXX XXXX XXXX XXXX. XXXX. ; provided them with my authorization for the transactions when I did not. XXXX XXXX XXXX XXXX. XXXX. negligently and knowingly charged my cards without my authorization for their member/stockholder account because their member/stockholder credit/debit card would not go through for the transactions, so they charged my cards over and over. Without my authorization XXXX XXXX XXXX XXXX. XXXX. saved my card information on their system without notifying either myself or their member/stockholder. After and while looking up the company online I found similar situations, they are money hungry and their agents try and do anything to get money in no matter what even it it is to break law in every aspect. Now, I owe my credit card companies {$42000.00} not counting interests and my credit card companies only tells me to go to the police and nothing is resolved. Now the only choice I have is to file a law suit in Federal Court to recover the moneys they charged me because I can never pay this amount. This also have impacted dramatically my credit scores making it impossible for me to get a loan due to extremely high interest charges. Even more, myself and my partner have almost all of our accounts jointly and his credit has also been affected dramatically.
06/27/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • NV
  • 891XX
Web
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccessibility of Funds and Substantial Financial Loss Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint on behalf of XXXX XXXX regarding the issues faced with his XXXX account at XXXX XXXX XXXXXXXX. The purpose of this complaint is to bring to your attention the significant financial loss XXXX XXXX has suffered due to the banks failure to allow him to make wire transfers, despite assurances to the contrary. The relevant details of the complaint are as follows : 1. Account Information : Account Holders Name : XXXX XXXX Bank Name : XXXX XXXX XXXXXXXX Account Type : Savings Account 2. Timeline of Events : Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX attempted to initiate wire transfers from his XXXX account. Initially, the bank cited Know Your Customer ( KYC ) verification as the reason for the inability to process the wire transfers. On [ Date ], XXXX XXXX spoke with a supervisor who assured him that the necessary steps would be taken to enable the wire transfers for an investment. Despite the supervisors assurance, XXXX XXXX remained unable to access his funds for the intended investment even after multiple attempts, including at least six phone calls to the bank. 3. Financial Loss : Due to the banks failure to provide access to the funds as promised, XXXX XXXX has suffered a significant financial loss. The projected net loss of income resulting from the missed investment opportunity is estimated at {$250000.00}. We believe that these actions by XXXX XXXX XXXX violate consumer protection regulations and may warrant investigation. We kindly request your assistance in resolving this matter promptly and ensuring that XXXX XXXX is compensated for the financial loss he has incurred. Enclosed with this complaint, you will find supporting documentation, including account statements, records of communication with the bank, and any other relevant evidence that substantiates our claims. We trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action to rectify the situation. We appreciate your attention to this serious issue and look forward to a prompt resolution. Should you require any further information or documentation, please do not hesitate to contact me at the provided contact details. Thank you for your time and consideration. Sincerely, XXXX XXXX XXXX
05/26/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • XXXXX
Web Servicemember
I WAS IN XXXX FOR TWO YEARS IN VERY REMOTE AREAS. AS SOON AS I LEARNED OF FRAUDULENT CHARGES I CONTACTED DISCOVER ON PHONE. FROM XXXX. THEY ASSURED ME NOT TO WORRY. I HAVE NO ACCESS TO ORIGNAL DOCUMENTATIN BECAUSE DISCOVER CHANGED MY ACCOUNT NUMBER TO PROTECT ME AND NOTHING APPEARS. I SUPPLIED THEM WITH COPIES OF MY NOTES TO THE MERCHANT STATING THEY STOLE FROM ME AND OWED ME. XXXX XXXX. I EXPLAINED IT ALL TO DISCOVER IN MANY DISPUTES FOR EACH OF THESE CHARGES EXCEEDING 5000 DOLLARS. I SHOWED THEM HOW I HAD PAID WITH XXXX, AND XXXX XXXXXXXX XXXX AND EXPLAINED HOW I WAS TOLD DISCOVER CHARGES DID NOT GO THROUGH BY THE MERCHANT. I NEVER WAS SHARED WHAT DISCOVER DISCOVERED FROM THEM SO HOW COULD I COMMENT ON THAT THEY HAD. THIS IS AN XXXX MERCHANT, THEY ARE NOT HONEST AND IT IS IMPOSSIBLE FOR ME TO HAVE A DISCOVER CHARGE IN ANOTHER CITY THE DATES THEY SAY THEY ARE GIVING ME SERVICES ALSO. NOW THAT 2 YEARS HAS PASSED DISCOVER JUST PASSES IT OFF AND DOES NOT WANT TO DEAL WITH IT. NO MANAGER EVER GAVE ME THE ATTENTION I REQUESTED. I HAD A MERCHANT ACCOUNT WITH DISCOVDR FOR MY BUSINESS, ALWSAYS PERFECT STANDING, LOW BALANCES UNTIL THIS, AND I EVEN OFFERED TO SETTLE WITH THEM. IT IS LIKE I AM GETTING A FORM RESPONSE THAT DOES NOT EVEN RESPOND TO MY SPECIFICS .... THEY NEVER MAILED ME WHAT THEY SAID THEY DID AND I HAVE ASKED TEHM TO UPLOAD ONTO MESSAGE CENTER, NEVER DONE. I HAVE BEEN WITH THEM MAYBE 10 YEARS. THERE IS NO WAY TO RESOLVE THIS WITH THE THIEVES IN XXXX UNILESS I GO THERE TO THE GOVERNMENT. THAT IS UNREALISTIC. IT IS ALSO AGAINST THIER STATED INTERNATIONAL PROTECTION POLICY. I AM JUST SPINNING MY WHEELS SINCE 2017. NOW THEY SAY SO MUCH TIME HAS PASSED, IT HAS BUT I AM THE ONE PAYING THE INTEREST ON THIS TIME FOR FRAUDULENT CHARGES. IT IS COMMON IN A 3RD WORLD COUNTRY FOR THIS KIND OF THING. IF DISCOVER LOOKED REALLY OR TRIED TO UNDERSTAND IT IS ALSO IMPOSSIBLE FOR ME TO WITH THE DOC I SHOWD TO SPEND THE DISCOVER PORTION OF OVER 5 THOUSAND AND THE XXXX XXXXXXXX XXXX AND XXXX PORTIONS OF HUNDREDS MORE AT THIS TINY PLACE. I OFFERED A SETTLEMENT, AND DEMANDED NO INTEREST AND EVERY REPLY I GET IS FROM A DIFFERENT PERSON AND NO ONE PERSON LOOKED AT THIS GROUP OF FRAUD CHARGES FROM THIS ONE MERCHANT SO NOTHING WAS HANDLED OR INVESTIGATED REASONABLY. I HAVE NEVER DISPUTED LARGE CHARGES, I HAVE WORKED HARD, OWNED MY OWN BUSINESSES, PAID ALL ON TIME WITH THEM NEVER FOR PERIODS HAD LARGE BALANCES, BUT PAYING THIS 5 PLUS THOUSAND TO THEM AND THE INTEREST IS NOT JUST OR ACCEPTALBE.
11/14/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • OH
  • 44107
Web
I have an active credit card ending in XXXX. Tro prior accounts were closed by me. One neds in XXXX the other in XXXX I canceled and reported the last two as LOST because I had given the card to vendors that at some point did not want to continue paying an " ongoing '' bill pay with them It was understood that once the card is " lost '' and thus closed, the card company would not honor payments if submitted by such vendors. To my surprise, the credit card does not stop payments to vendors with prior on going bill pay that has an on going relation. when I spoke to Discover about not honoring such payments, they told me their policy is to continue paying regardless if I wished to honor such prior relationships Today I called to cancel ALL my accounts, for I fear they will continue obligating me to pay in closed accounts to vendors, for the DISCOVER policy is to continue paying EVEN if the carte has been noted closed or lost Since I want to close ALL my relationship with XXXXiscover, I asked them to send me an e mail confirming this, and supervisor ID # XXXX ( XXXX speaking one ) was rude and hung up on me. I fear he won't send me a confirmation of the request, so to document, should Discover keep paying in my name to vendors I refuse in spite of the fact I am discontinuing any business with Discover with any card I have or had, I document this with you and report them for this fraudulent activity. It is my feeling that I, the owner of the card should be the one who determines who gets paid and who not, NOT DISCOVER The problem is between me and the business I have payments with. If I do not pay them, let the vendor go after me, but it is totally unacceptable for Discover to obligate me to pay for bills I have determined I refuse to pay, and then, be obligated to Discover to pay for the funds they disbursed to a company refuse to pay. Please note, in several occasions, I tried to send an e mail to discover. In their incoming message, it does not say DO NOT REPLY> SO, I write a complaint, send it, and then a while later it returns as DO NOT REPLY> This company is a total waste of time. I told t hem I want them to close down ALL cards I have and any payments requested by vendors submitted will not be honored, and not top ay. If thye pay, it is their , which I will not repay. I have OVERPAID my card, by {$320.00}, and Discover today said they will send me the $ by US POST. I hope they honor at least that. If not, I will report this AS PART OF THE ENCLOSED GRIEVANCE.
10/31/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MO
  • 63028
Web Older American
I opened a case with Discover Card 3 times, I submitted requested information. There were phone calls, & letters by both parties too numerous to list, but recorded. I was a victim of gift card scam and Discover has said that unless I have new information, not to make another case. Discover has said that because I authorized the transaction, I am responsible for the debt and no fraud committed. The scammers posed as XXXX and then Discover. I was threatened with child XXXX on my computer and a {$10000.00} charge to Discover from XXXX for child XXXX. I was told not to talk to anyone and only talk to Discover man in my car. He told me to go to XXXX and purchase 20 gift cards in {$500.00} denominations. I was crying and in my pajamas and went to XXXX. He told me to leave my phone on and purchase gift cards. I went inside and the clerks gave me the gift cards without hesitation or any questions about my appearance or condition ( crying, in pjs and disheveled hair. ) I got really upset because the purchases scared me and I stopped at 11 cards & {$5500.00}. I went to my car and he said to read the numbers on the back of the cards. He said that was not enough and to go to another XXXX, leave the phone on and drive. I drove to another town to XXXX. The clerk would only give me one {$500.00} gift card because of scams. I went out to my car and the man put me on hold and then said to go to XXXX XXXX with the phone on. I drove back to my town and went to XXXX. They did not want to give me the cards and said because of scam. I convinced them to give me {$4000.00} worth of gift cards. I was terrified and told him I was going to the FBI and he said the FBI and my bank were in on this. I didn't know what that meant but I was crying heavily and very scared. I was in my pjs and it rained all day. He kept me on the phone for five and a half hours. I have it documented and I had verified both the XXXX & Discover persons credentials. I thought I did my due diligence but they had me held up on the phone and threatened me with child XXXX and jail. I recovered the {$4000.00} from HD because scammers hadn't spent yet, XXXX XXXX has said forgiven {$3000.00}, but Discover Card has said I am responsible for the {$6000.00} debt because fraud was not committed, I gave permission. I WAS HELD UP ON THE PHONE AND THREATENED WITH CHILD XXXX AND JAIL. NOT ONLY ME BUT MY SON TOO. I AM ELDERLY AND ON FIXED INCOME. I CAN NOT MAKE THE MINIMUM PAYMENTS. THIS IS FRAUD. PLEASE HELP ME. THANK YOU IN ADVANCE.
11/16/2022 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 94107
Web
On XX/XX/XXXX I opened a new online savings account with Discover. On XXXX, I initiated trial deposits, originating from my Discover account, to link an external savings account ( w/ XXXX ). After verifying those trial deposits, on XX/XX/XXXX, I scheduled an XXXX transfer of {$35000.00} from my external savings account via the Discover portal. This was primarily done to meet an opening bonus requirement advertised by Discover. On XX/XX/XXXX, I could see the XXXX deducted from my XXXX account, with pending availability in my Discover account. On XX/XX/XXXX, Discover informed me that " we noticed unusual activity on your account. For security purposes, we have suspended access to your account ''. I tried contacting Discover 's fraud department on this issue, and after an blind transfer an agent informed me that the account was suspended pending additional verification. After multiple attempts, we managed to get on a conference call with a rep from my external bank, who was unable to provide Discover with the information they wanted due to a system outage. I've had a checking account with Discover since XXXX that has always been in good standing. I'm a long term customer, and there is no realistic risk here. At present, my existing checking account ( completely unrelated to the transactions described ) and new savings account remain frozen and all funds held with them, including the {$35000.00} have effectively been stolen. The agent informs me that my funds will not be released until XXXX discloses whatever information Discover 's internal fraud policy dictates and that it is my responsibility to coordinate a conference call between both banks. I have no idea how any of this is legal, but if Discover has a policy whereby they are happy to initiate large transfers of money, it seems absolutely ridiculous to subsequently hold that money XXXX and freeze all accounts that are held with them after the fact. This is especially the case when they are advertising to customers to transfer those large sums of money. If potential fraud is suspect, customers should be warned of a problem before they initiate a transfer. Critically, a customer shouldn't have to coordinate amongst multiple banks just to have access to funds that are rightfully theirs. If a bank 's has internal policies that they believe protect their bottom line, the onus to validate said policies certainly shouldn't fall upon customers. I just want my Discover accounts to be unfrozen. I just want my money back.
09/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • WI
  • 53402
Web
what are these remarks by DISCOVER on my CREDIT REPORT XXXX : Account previously in dispute - investigation complete, reported by data furnisher Good evening, XXXX. I'm XXXX, a supervisor in our Utah billing department. I apologize for the frustration you've experienced with your attempt to close the dispute with XXXX 's. Our intent is not to over complicate the request and I appreciate you bringing this to our attention. I can confirm that the dispute was closed as of earlier today. In regards to the remarks that you mentioned - all disputed transactions found in favor of the merchant must be reported " as disputed '' to the credit bureaus by Discover. That would have been placed on your account with the dispute previously ; however, because the case was closed at your request, I will update that and you will receive written confirmation of the update via mail. Is there anything else I may assist you with at this time? I never knew a dispute with a credit card was reported to the credit bureaus and now Discover is affecting my credit score it dipped 39 points in a month! Why are you reporting something and since the first dispute I won because that business refunded me I was in the right and I won the XXXX dispute too as the franchise owner sent me vouchers that equalled the whole amount of my purchase. So are you reporting false information to the 3 credit bureas? I will soon be buying a new home and you better be reporting this correctly as this is my livelihood. Discover has been horrible to work with. I have NEVER had these issues with any of my credit card companies. XXXX is the best one I have and everytime I have a dispute especially if it under {$50.00} they simply credit me and a dispute is automatic. I do not have to email you people everytime to trigger it. Once I pay this credit card off I will not be using it. You have been treating me very poorly. The only reason I had Discover is because of the foreign fees, but now you are affecting my credit scores and it is not acceptable. I will report you to the CFPB if you can not confirm HOW you resolved and reported to the credit bureas for the past two disputes.So you are stating you found the dispute to be in favor of the merchant? Ummm no the XXXX XXXX REFUNDED ME for the dispute I have records of my XXXX case and everything and XXXX the same thing! I sent you a message twice for these when they sent me a credit stating that they gave me a credit. WHY ARE YOU FILING THE DISPUTE IN FAVOR OF THE MERCHANT?!
10/03/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 75087
Web
On XX/XX/XXXX, I submitted disputes for fraudulent charges for a company called XXXX on my account. On these charges it has listed a phone number of XXXX which is clearly an invalid phone number which is also pictured in the receipt provided by Discover. Originally Discover sent me notices telling me the fraudulent charges were deemed an error and the credit was permanent. Later I receive a letter as of today XX/XX/XXXX telling me the same reasons of the other fraudulent charges denial. Inconsistent information provided during investigation - only spoke to Discover once on these charges. Second reason was transactions do not indicate fraud and third reason was transaction is going towards a service or account that benefits the account holder. I called Discover to ask for documentation proof of account or service benefiting account holder and documents used Discover sent back a receipt that shows the XXXX phone number but it doesnt show a signature. It also does not show that I benefitted from this company. In fact I contacted the merchant first to let them know someone had stolen my information and the same day reported it to Discover also. I have not done business with this merchant ever in the past, and I have not received any funds or service from this merchant. I did not agree to their terms, and I did not sign any receipts or agree to purchase any service from this company. The company agreed it was fraud and yet Discover is now stating they will be deducting the credits from my account XX/XX/XXXX based on the receipt they got from the merchant. All the receipt shows is the card number. No signature and no proof of these transactions EVER being authorized. Im not even sure what this company is but it seems like a scam site. My card number was never provided to This company. Discover did not provide sufficient evidence stating these transactions benefited or were authorized by card holder. A receipt that is not signed showing the last 4 of the card does not Indicate these were authorized at any point. I did not receive funds from fortuneco and I did not sign up for any service with their company. This is true fraud and Discover provided proof I didnt authorize these but yet provide false denial reasons to side with the merchant. Holding the customer responsible for FRAUD. I have attached the receipt along with an email sent to this merchant advising of the fraud. This should be investigated and the merchant should be responsible for fraudulently charging my acct.
05/27/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CT
  • 06320
Web
A fraud charge in the amount of {$1200.00} to XXXX on XX/XX/XXXX was reported to Discover on or around XX/XX/XXXX, closed out shortly thereafter citing inconsistencies. As I explained to Discover rep ( s ), I did make a call prior asking about funds availability and advising a charge from XXXX might attempt for an amount in range of {$1300.00}, I was looking at a mini-bag at a boutique in XXXX XXXX, CA for my girlfriend, I decided not to purchase. The transaction in question came from a boutique in XXXX XXXX, CA, not XXXX XXXX, I explained to first rep in disputes XXXX does not offer refunds, only store credit, the XXXX rep I spoke with did not understand situation and I was unable to reach store manager at the time. The Discover rep referred to initial call I made asking about funds availability and charge from XXXX might attempt, did not understand matter. I made a second call, spoke with another Discover rep, whom referred back to conversation with first rep, did not understand charge is fraud and I did not provide card number to anyone at XXXX. Unable to file a claim with rep, I made a third call, explained and spoke with a XXXX whom opened a fraud claim, was explained I did not purchase anything at XXXX and did not provide my card number to anyone at the company. The fraud claim was closed out on Monday after, citing inconsistencies ... It appears they refer to first call made inquiring about funds availability and possible charge from XXXX, in case a fraud alert is raised. Please note, the prerecorded message when calling Discover states calls MAYBE monitored and recorded, not WILL BE monitored and recorded in which case my consent was not given to do so.. One of my attorneys listened to the message, agreed the language is not clear, Discover is not able to refer to such illegally recorded calls. Recently, I provided a tracking number received from XXXX for a package supposedly sent which was not received and has signature required on it, supposedly delivered on XX/XX/XXXX with no signature. I explained it appears someone intercepted package as most scammers like to do after making a fraud purchase, Discover reps did not seem to take this information into consideration.. I've contacted XXXX, filed a claim in an attempt to resolve fraud claim, however, it is not my responsibility to do so.. Discover should resolve such claims with merchants, not the customer. Further, they can not refer to illegally recorded calls without consent as basis for closing out claims.
11/02/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • DC
  • XXXXX
Web
On XX/XX/XXXX Discover card mailed me a letter claiming that I received a 1099 C for the year ending XXXX, and to support their position, they reached out to a charge on the card - XXXX. Here 's the problem with their approach. 1. The charge dates - fall in line with the time frame where I was living in Ohio on a work assignment. I've provided Discover with the documentation to support my residency status during said time frame. 2. The XXXX location - a neighborhood location, and a lot less stringent on identity checks. 3. The address - associated with my name - on the XXXX receipt - did anyone at Discover bother to stop and look to see how that address is a new one and, in no way associated with me, and never has been? I also recently learned that Discover responded to my latest complaint saying ( to no surprise ) that I am liable for this account for the following reasons : 1. They talked to me on a verified phone line - you did? Which number, because the number you claimed you used, I proved ot you that that number wasn't active during the time frame you claim this account was opened. 2. It was sent to the address listed on the on-line application - Really? During the time when I was in the middle of the country? As proven by my signed lease from my landlord in Ohio? 3. That the email address on the online application and the online pay center matches the email address used on this form. Really? Please provide a copy of the application, or provide the credentials to the online pay center that verifies your claims that my information was the information used. 4. That you spoke with me about the account on or around XXXX. Did you? Using the same number that you claimed you verified - but, in fact was rendered inacctive? How do you know you were speaking with me? Here is what I'm requesting from Discover : 1. I'm requesting that Discover provides a copy of these documents they claim they have to support their claims. I plan to use these documents as part of my pending legal action against them. You've referenced them in a public forum, so it's clear you have them. 2. I'm requesting a detailed description of the process you used to investigate the circumstances around this account being opened after I provided you with proof that my phone line - that you claim you used to speak with me - twice - was actually innactive. 3. I'm requesting that you remove the " disputed '' designation from XX/XX/XXXX. Please provide me with these items within 15 days.
12/28/2016 Yes
  • Credit card
  • Credit card protection / Debt protection
  • IL
  • 60477
Web
On XX/XX/XXXX ; I contacted Discover card to inquire as to my balance due. I was informed that the balance due was well over {$2400.00}. I immediately checked my account activity and learned that there were multiple cash advances, {$500.00} each plus service charges. I contacted Discover, I informed them that I had not received any alerts regarding this activity, ( my alert was set at {$100.00} ). I closed the account and spoke with a representative who assured me that Discover Card 's Fraud policy was in full effect and I was not responsible for the charges. I had also paid an extra monthly fee, for the Wallet protection plan through Discover. The following day I received a call from XXXX, Fraud Protection, Discover. He said the I was responsible for the charges, he questioned me about my living situation, insinuating that another person had taken the card & etc. XXXX even wanted to know what I had purchased at XXXX! He then advised me to go to my local police department to report the fraud incident. Even though the cash advance transactions took place in California, XXXX said that my local police had to do the investigating, not Discover. The following week I was informed that my Discover email had been changed from XXXX to XXXX. This occurred after the first cash advance, yet no alert was triggered for my account. I also received affidavit/documents from Discover, which I promptly completed and returned. XXXX was confused as to why my completed forms were mailed to XXXX, not XXXX? I then received a duplicate set of documents which included a cover sheet asking for highly personal information, which Discover already has in their possession. I refused to complete this form and return it in the mail based on what had occurred. I do not understand why XXXX told me not to pay the charges I actually do owe. He said to only pay a fraction of the amount due. XXXX informed me that the balance should be paid later? Discover has failed me in every way possible. I have been a loyal customer since XXXX. I feel betrayed on so many levels. I am seriously considering contacting my friend at XXXX, to tell them how well Discover takes care of their customers. Below is your advertisement, what a joke! Your Security Is Our Top Priority 24/7 monitoring of every Discover card purchase for every customer {$0.00} Fraud Liability Guarantee, so you 're never responsible for unauthorized purchases on your Discover card Account alerts via email, phone or text if something looks unusual
06/30/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NC
  • 28806
Web
In the past XXXX years there have been THREE fraudulent charges on my Discover Card. I disputed all three each at the time when the charge occurred. The first two were not properly investigated and I was unable to get a phone call from a human. I therefore paid the fake charges to keep my account in good standing, as I have never as much as carried a credit card balance in my entire life and my credit score is around XXXX. However the third charge was a ridiculous amoung and the final straw. I did still pay the charge while I disputed it. However, for the third time, Discover failed to investigate and failed to return any phone calls whatsoever. I have been requesting phone calls for XXXX consecutive months and have not received a single callback. Their hold times are absurd. Their chatbot online does nothing. So, Discover card actually owes me money as I overpaid the account. Because I have never missed a payment or even carried a balance, this must be the only way Discover card can make any money from me. It shoucld be noted that this same fake charge came up on XXXX other credit cards who both found the charge fraululent immediately. Discover however told me to " call the merchant '' except that is not possible since it is a fake merchant. There is no phone number, address, email address, etc. Discover also mailed me an ilegible document with some lines in it and no text, claiming that was their documentation from investigating the charge, so obviously no investigation happened. They wrongly updated my credit report inaccurately and continue to owe me money. Lastly, they failed to remove a second user on my account that was removed several years ago, then endangered my personal info and privacy by sending that personal person info about my account. I have not yet received a response that addressed even XXXX of these issues let alone the whole complaint. To sum : 1 ) fake charge # 1 2 ) fake charge # 2 3 ) fake charge # 3 ( current ) 4 ) person not removed from account 5 ) inability to investigate fake charges multiple times 6 ) wrong info on credit report 7 ) WILL NOT EVEN GIVE ME A PHONE CALL BACK 8 ) Discover still owes me money Please investigate these horrible crimes committed on the behalf of Discover as this is downright theft of hardworking people who don't carry credit balances so clearly this is Discover trying to make money any way it can. If it hopes it will frustrate people into giving up and paying it did that with me twice already but not this time.
07/15/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • DE
  • 19904
Web
I got lawsuit papers on XX/XX/2021. It said it was from Discovery Bank and is a card that I did had and did have a outstanding balance of {$10000.00} or a little less. Anyways I did not pay much attention because I was nervous and scared and honestly did not know what to do or how to even answer the documents I got. So I thought I should just accept the debt and then work with Discovery Bank to take care of it. Well I send a response to the Justice Court, accepting the debt I called the number on such file and it was from a Law Firm in XXXX Delaware named XXXXXXXX XXXX XXXX XXXX XXXXXXXX, I called a few times on different days and no one picked up and sometimes the line would make the sound like we used dial-up back in the early days of the internet. I decided to call Discovery and they told me to deal with them and I told them I was not even able to reach them. Long story short, I got another lawsuit from the same Law Firm but from another unrecognizable name XXXX acquisitions. In the document, they mentioned an account with XXXX XXXX, which indeed I did have an account with but with a wrong balance something over {$40000.00} they claim. Then I looked at the attached documents and most of the information is wrong like they copy and paste any information and organize it a bit and make it look legit, same I noticed looking at the documents with Discovery Bank Lawsuit. So then after a quick search of this business, I found out all the complaints and illegal activities they do, and the pursuit of all types of debts so I decided to actually make a complaint to assure to protect any other customers they might be targeting because that is what I fell, they saw that I did not fight back the lawsuit, they got another of my debt and decided to pursuit too to target me for over {$14000.00}. I tried contacting them and no luck at all. I do not know why they have yet contacted me from the first lawsuit, today is XX/XX/XXXX so since XX/XX/XXXX I am yet to be contacted and now they have got me served again. Because of lack of funds, I did not know how to respond or defend myself and I find myself helpless and decided to consider bankruptcy because these people are vicious, I got offered at some point much ower amounts to settle each of those 2 mentioned debts, but I could not afford anything at that point, these people when straight up for everything I supposedly owned, and because I did not defend myself now they have a legal claim to that and is making my life a living XXXX.
11/13/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MN
  • 55369
Web
I was in an XXXX relationship with my now ex boyfriend. I was with him in XXXX for about a week, and I am from Minnesota. I had no privacy, and he had access to everything of mine. He knew all of my passwords and was able to go on my phone whenever he wanted and I was very afraid of him. I made reports with the police and my father had to come help me leave because I was so afraid he would XXXX me if I left. I was not aware of it at the time, but he put my discover credit card on his XXXX XXXX and maxed it out. I did not have any control over this as I had XXXX privacy and was scared. When I was able to get home, I realized that my credit card was maxed out as my card was being declined. I was not sure about what my exact balance was as I was going through so much, but I did know for a fact that it would not be maxed out. I have a {$1500.00} limit and I expected it to be at or around {$700.00}, so I knew that something was going on. I went on my recent transactions and saw that there were charges made in XXXX off of my card while I was literally in Minnesota. I can back to Minnesota on XX/XX/XXXX. I immediately called discover and I was crying. I reported the fraud and it was taken off of my account. I explained how I left an abusive relationship and I was scared to report it because I thought he might get mad at XXXX me. I said I think it was my ex boyfriend because he had access to my phone and its password, and there were also charges that would align with him. For example, there was a charge at XXXX XXXX and he is a student there. There were also purchases made at places like XXXX XXXX and XXXX which are specific places I know he likes. I gave discover his contact information and explained how I was in an XXXX relationship and did not authorize those charges. I had no control over what was purchased, and I was not aware of the charges. I was in a very unsafe position. I have never made a fraud claim before and I am a very honest person. I do not know why they are not allowing my fraud claim. Discover claims that charges that are not authorized by me are not my responsibility, but clearly that is not the case. Additionally, there were charges made in XXXX when I was back home safely in Minnesota. I obviously wasnt even in XXXX because there are other charges on my account from places in Minnesota. I do not understand how they can disregard that. He used about {$300.00} on my credit card while I was using it in Minnesota. He is not an authorized user.
06/05/2015 Yes
  • Credit card
  • Privacy
  • CA
  • 90065
Web
I am very upset with Discover as both myself and my family have been harassed by this company. My bill for this month was due on XXXX XXXX, but I did not get paid until today, XXXX XXXX, so I was going to be late on my payment and have to pay a late fee. This is an understandable situation considering I am in the process of moving so I did not have my usual extra savings to cover the bill. Unlike other banks who respect their customers and would wait a considerable amount of time to start repeatedly calling to collect the money, Discover Card was blowing up my phone non-stop with multiple calls from them daily within the first week of my payment being past due. Although that is upsetting, that is not my ultimate concern. My privacy has been violated by Discover cards and their employees because I received multiple calls from my mother ( who does not live with me, who I do not have listed on my Discover card as an authorized user, and who 's phone number I have never disclosed to Discover card ) telling me Discover was also harassing her, calling my parent 's house multiple times a day impeding my fathers business calls in order to try and receive money for this payment, that at this point was n't even XXXX weeks late. Does that seem a little ridiculous to any one else? Because I am completely appalled at the fact that they somehow found my mothers number, and without my consent, called her to receive money that she does not owe. There should have been absolutely none of my information disclosed to someone who is not on my account. Even if they somehow obtained my parents personal number, there is no reason that when my mother answered the phone, again someone who is not listed as an authorized user on my account, that she should have even been told that my account had been over drafted and had not been paid for that month. Then my XXXX mother who has enough financial issues of her own felt obligated to pay this past due amount ( payment made on XXXX XXXX, 2015 ) to avoid being continuously called and harassed by the Discover company. Overall, I am very displeased and angered by this occurrence and I would definitely not recommend Discover to anyone. My privacy has been violated by this company, and both my parents and myself have been continuously harassed after a bill that was due less than XXXX weeks ago. I am going to be canceling my card once it is paid off and sticking with my primary bank XXXX. I am looking for a resolution to this unfortunate situation
12/01/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 923XX
Web
On XX/XX/XXXX I received a text notification from my credit card Discover " do you recognize this charge of {$230.00} '' I stated no. I called Discover to find out what this was all about and was told since I declined the text charge not to worry that the charge will not post. A few hours later I log onto my Discover Card web site only to see the {$230.00} charge is pending. I called Discover and was told that 30 min later after I declined the charge the merchant was able to put the charge through again and was successful. I asked why I did not get another text to notify me, the person said sometimes that happens, and now I can dispute this charge. After many months of going back and forth with Discover I was finally credited back {$230.00} until today. XX/XX/XXXX almost 4 months later the merchant was able to send in information showing my name, address, and that I ordered {$230.00} for one bottle of XXXX XXXX 's. Discover card will not reopen this dispute, and I will have to take it up with the merchant Since XXXX of XXXX, XXXX I have called this company call XXXX XXXX XXXX XXXX. I was able to stop them from a reoccurring charge of {$230.00} every month and was told they would credit me back {$230.00}. This company told me there is nothing they can do and I need to reach out to my credit card and he hung up on me. On XX/XX/XXXX when I was on face book I did see an advertisement on these XXXX XXXX for weight loss. I did order 1 bottle @ {$39.00}, then when I received the text from Discover I realized this has to be the same company and it's a scam. NEVER have I received 1 bottle. Called Discover 6 times just today and I am told the merchant provider my name, address, but what about the delivery? Discover is sending me all in information to me by way of mail, they will not email to me. Per Discover today I found out this company has another name of " XXXX XXXX '' with the same phone number as XXXX XXXX, if this isn't a scam I don't know what it! XXXX XXXX has a state of WY, but when calling the phone number provided it's XXXX and the people I have spoken with have really bad broken English so I know they are not within the US. I need help please I am being scammed and per Discover they choose to believe the scammer. Per my Discover statements you can see the credited me then posted the charge 4 months later. From the beginning If I decline a charge Discover had no right to accept the charge a few minutes later, this is bad business on Discover 's part.
01/13/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Having problems with customer service
  • NY
  • 14215
Web
I paid a loan in full with DISCOVER STUDENT LOANS on XXXX/XXXX/XXXX ( Loan # XXXX ). It no longer appeared on my statements after this payment was made. A year later, on XXXX/XXXX/XXXX, I called to pay my last Discover Loan in full. I was told that the Loan I had paid off a year ago, # XXXX, was still active and accruing interest in their computer system, even though my statements for a year showed it to no longer exist. I asked to receive a payoff balance in the mail that showed and subtracted all the interest accrual that had not been provided to me in statements for the year, as well as an explanation for how the loan was still active without showing on my statements for a year when I paid it off. I was told that this was n't necessary and that the full amount would be canceled. This was the conclusion of my conversation with a customer service rep and a Manager on XXXX/XXXX/XXXX. However, I was not provided with the resolution promised. I next received a letter dated XXXX/XXXX/XXXX that " approved ( my ) deferment request for Loan # XXXX. '' I was outraged, as I made no such request legally and had been told that I would receive paperwork showing the loan to be closed and the balance forgiven due to extreme clerical error on the part of DISCOVER. On XXXX/XXXX/XXXX i called back. i talked to a customer service rep names XXXX who told me my request to fix this error required a " Special Team '' and that a letter would arrive by XXXX/XXXX/XXXX that would close the account and forgive the balance. This Letter also did not arrive. As of XXXX XXXX I have still not received any statements with options to pay off or understand my interest accruals on Loan # XXXX. I do not know what my balance should be given that I paid my balance on Loan # XXXX in full on XXXX/XXXX/XXXX and that this Loan no longer appeared on any statements after this date, while a balance was somehow accruing interest unknown to me. I refuse to pay a balance via telephone based on the fact that Discover Loans will no provide me with the breakdown of the unknown interest accrued since XXXX/XXXX/XXXX that i asked for, and has not delivered -- twice now -- on the erasure of this balance and closure of the account that I was told was going to be provided to solve the clerical error. I am also still in a forced deferment that I *did not request* for Loan # XXXX based on a letter that showed up at my house in XXXX. Thank you for your assistance in advocating this issue with DISCOVER STUDENT LOANS.
10/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11419
Web
The following financial institution listed below is illegally disclosing, thru their affiliates, non affiliates, third part affiliates and non-third party affiliates, my personal information. Under Congress law 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent. In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer that : Part a : as a consumer, any financial institution wishes to disclose my information, I have to be notified, either via phone, electronically or by mail. AND IT MUST ALSO COINCIDE WITH Part B ; before a financial institution discloses my information, I have to say yes or no. And finally, it must also coincide with part c : if I say no, I am to be given all options in securing my rights to ensure that they dont report my information before such actions are taken by the financial institution. And lastly, under Congress law 15 U.S. Code 1681a, part ( 2 ) Exclusions. the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions ( late fees or charge offs ) or experiences between the consumer and the financial institution, unless authorized based on Congress law 15 U.S. Code 6802, parts A, B, & C. I did not authorized or agreed for these financial institution, or otherwise to disclose any of my transaction history with any third party of any kind, that includes consumer reporting agencies. Most importantly, I was never contacted by this financial institution and given the choices liste d above ( 15 U.S. Code 6802, parts A, B, & C. ) My rights as a consumer, Under the Fair Credit Reporting Act ( FCRA ) a consumer report ( CR ) is any written, oral, or other communication of any information bearing on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for : ( i ) credit or insurance to be used primarily for personal, family, or household purposes ; ( ii ) employment purposes ; or ( iii ) any other FCRA permissible purpose ( Section 1681b. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX ) XXXX
09/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • SC
  • 29466
Web
I am a XXXX and charged a {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) fee on XX/XX/XXXX for a test that is due to take place on XXXX XXXX. Soon afterwards, I found out that someone was using my Discover Credit Card and I opened a fraud claim with Discover ( this has been resolved, except for this issue ). ( Discover accidently included this {$450.00} test fee in the fraud claim ) and put a hold on the {$450.00} test fee to XXXX. I did not realize what had happened until XX/XX/XXXX, at which time Discover said they would release the hold on the {$450.00} test fee back to XXXX. On XX/XX/XXXX, XXXX still did not have their {$450.00} off the hold from Discover, so they credited my Discover account {$450.00} and asked that I resubmit a new payment for the test. In order to not miss the deadline for the XXXXXXXX XXXX, I paid with A DIFFERENT CREDIT CARD, {$450.00}, on XX/XX/XXXX to XXXX to take the test on XX/XX/XXXX. ( Proof of all of this has already been sent to Discover ). Discover received their credit from XXXX effective XX/XX/XXXX to my account, however, refuses to take it off my bill AND is charging me interest on the money. I have been to the XXXX and I have had many conversations with XXXX in the Dispute Department at Discover. The last request from XXXX at Discover Dispute Department wanted a statement from XXXX with the fact that a credit is due to my credit card, the last 4 digits of the card, the effective date of the credit due, and the amount of the credit ( {$450.00} ). XXXX promised when she received this information, then the issue would be fixed. She received this information via email on XX/XX/XXXX within days of her request and now XXXX/Discover is still refusing to stop the fraud and financial abuse of me as a consumer. The most recent conversation was today XX/XX/XXXX at XXXX XXXX where XXXX from the Discover Dispute Department said they will NOT remove the charge that ( 1. ) they were credited back the money by XXXX effective XX/XX/XXXX and ( 2. ) the test/product that the money was for doesn't even take place until XXXX ( so the charge could be easily removed ). I thought your company would be my next step for a resolution to stop the fraud and consumer abuse ( I expect the {$450.00} charge to be removed asap AND any associated interest, and hopefully a written apology ). This is fraud at the highest level. I am curious how many other Discover customers are being fraudulated by the credit card company, Discover.
01/11/2017 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • NC
  • 28210
Web
discover bank unfunded claims. Discover Bank recently closed my account because they claimed that the continued fraud on my account was concerning. This is after I called them to discuss the transaction that they previously had not seen as disturbing. In their XXXX Discovers backs checks that where posted through multiple times and activity from target card. All of which was explained in documents sent to them that morning XX/XX/2017. The XXXX Transactions in questions were done fraudulently although I did willing link my target debit card to my discover bank account. In the affidavit sent to XXXX on these charges it clearly explains what happened. Discover Bank is claiming the account can still be compromised because they could use the target card to access the account and get the account number. XXXX XXXX does not store the full account number online. XXXX in the affidavit it states that I know who took the card and that the card was back in my possession. So there was no one the account could continue to be compromised. As for the checks. XXXX has a pending complaint for me about running those checks through multiple times without my permission on XXXX. The complaint is attached in this. Without the multiple returned check fees plus the small deposits I received the account would not be overdrawn. As shown in previous complaint that Discover has yet to answer my Discover debit card was unable to be used and I had recently lost my debit card to my XXXX account. Those accounts are linked so I can transfer between the XXXX but I needed to make deposits via mobile to another account. I will admit that my transfer from Discover and then transfer from XXXX could be problematic and it was. As I try to transfer between the XXXX and Discover. Discover would reject the deposits. A print out of my credit between XXXX and today date XX/XX/2017. To show that my XXXX account had funds in it to complete the transfer had they allowed. So essentially for me. I had {$360.00} in XXXX fees plus {$160.00} in direct deposits from my employer and another {$300.00} transaction from the fraudulent target transaction that would have covered checks written. Because I did not have access to my debit card. Checks where the only way I could move money from Discover. XXXX had informed me they worked on the fraud case and that it was settled but nothing was settled which is why I called Discover and sent them the documents asking them to help in removing the NSF fees on my account.
08/26/2023 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • Application denials
  • CA
  • XXXXX
Web
Applied for Discover XXXX XXXX back on XX/XX/XXXX. I felt that it was a good time with credit scores of XXXX. I had been researching options for a few months before choosing Discover. After starting the process I begin to get the requested paperwork in order. Two items that I couldn't supply was a bank statement with {$7400.00} and XXXX tax returns. The funds were available in my XXXX statement but not XXXX. I transferred funds to the account to meet the request but was told it needed to be on a statement. I asked if I could supply proof from a business I owned but was told it had to have my name on the statement not the business, I told them I couldn't supply until XX/XX/XXXX when the statement closed. There was an extension on filling my XXXX taxes which explanation was provided. They told me to supply XXXX & XXXX taxes which I did. Once I received the statement showing three times more than they required ; also provided a paid in full letter for a loan in good standing which I felt showed responsibility and preparation to accept a larger loan with smaller payment. On XX/XX/XXXX I received email that I was denied, which stated I could call for explanation. During talking to the officer he stated, 1 ) That I needed to have 2 months with the funds in my account, which I was only told to have the {$7400.00} in the account. 2 ) He also said not having overtime on my W2 check stubs, which shows XXXX earnings YTD. 3 ) That my XXXX was to high, which I know is not accurate. 4 ) My business took a loss per my tax returns, which I provided a P & L statement for XXXX showing a profit. I did not understand this considering they wouldn't let me use statements to help me but are using the taxes against me. Other things had been mentioned also. 5 ) For the PIF they needed to show funds in the bank account, which this personal loan was used to strategically boost my business in XXXX. My business has been paying this loan since I received the funds which showed in the XXXX & XXXX statement for XXXX and if allowed in the business bank statements. The business paid off the loan in full. Personally I did not understand and waited to receive the denial letter for explanation. None of the information received over the phone was included in the letter to prompt this complaint. I would like the method used to make this decision to be investigated. No option was offered as it stated on their website. Wasn't asked if I wanted to add my wife on which is more income.
02/04/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60076
Web
Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period. The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country. I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the DOJ because I support victims of crime. I cant get Hired with these collections. Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. With my line of work with victims of crime I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. IM XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? Im dying out here help me get this deleted again. Thank you
07/19/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MN
  • 562XX
Web
Recently in a response to a settlement offer on my account ( ending in XXXX ), I contacted Discover. I spoke with a customer service agency, XXXX, about setting up payment arrangements on a past due account since I couldn't afford the settlement. I sent in a {$500.00} good faith payment as agreed upon on the date agreed upon and then regular monthly {$200.00} payments, which they have accepted and cashed. Even when I was out of work and on unemployment benefits I sent in regular payments, albeit smaller than the minimum due, just to show that I had every intention to pay this account.All payments have been cashed by Discover but in XX/XX/2018, despite a payment agreement in place, my account was sent to a collections agency. Despite this, knowing that I had this payment agreement, I have been sending in my payments to Discover as I guaranteed that I would, and I have been writing letters with each payment asking this to be removed from collections and to keep the agreement that was set up with their customer service department. No one ever contacted me back in response to these letters. I have also been in contact with the collections agency, XXXX XXXX XXXX whom held the inaccurately discharged account as well who state they contacted Discover and they have no record of the payment agreement. Which is absurd since I personally talked to a customer service agent and I have kept my end of the deal. This should have NEVER been sent to collections. I filed a BBB complaint against XXXX and got an email from the Executive Office of Discover from XXXX XXXX stating that she was going to look into this on XX/XX/2018. I then received a letter from the sheriff on behalf of XXXX XXXX XXXX stating that I was being sued. Which is insane since I was making all my payments as agreed upon with Discover, they knew this and still continued with collections activity even though I was disputing the collection activity of this account. Since XXXX emailed me on the XXXX I have sent XXXX emails, one with proof of all cashed payments and left XXXX voicemail and she has not responded at all. I feel I am being screwed over by this large bank and my credit is being hurt in the meantime. I need help. I want to continue my payment arrangement and have this account removed from collections and off my credit report as in collections. I want to make good on my debt and avoid bankruptcy but I am.getting zero response from Discover. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
04/11/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • PA
  • 19138
Web
To whom it may concern, on XX/XX/XXXX I sent an email to the Executives Office of Discover regarding a late payment they are reporting on my credit report. In this email I explained in great detail that in XX/XX/XXXX I was hospitalized and diagnosed with XXXX XXXX XXXX XXXX of both XXXX. I was XXXX over two dozen times the previous month before being diagnosed. I was out of work and on heavy XXXX medication. I was not sure if I would survive. I requested that Discover look into the late payment because I thought I had paid the bill but could not be sure due to the circumstances. I requested that discover consider extending a goodwill offer for this one payment. On Tuesday XX/XX/XXXX I received a letter stating they could not reverse the late payment report. Because of the short time between the time I sent the email and the time I received a response, I couldn't help but believe that my account had not even been looked into nor my circumstances be taken into consideration. On XX/XX/XXXX, I sent another email to the CEO and received an additional letter by mail on XX/XX/XXXX, stating they already responded to my request. On XX/XX/XXXX I followed up with an email again further explaining that I am in the process of purchasing an house and that the payment in XX/XX/XXXX was beyond my control giving my medical condition. I am Anyone who has ever been affected by XXXX or has a family member affected by it, knows that it is a life or death situation. I received an email back from XXXX on Monday XX/XX/XXXX which was an automated response/copy and paste of the generic letter I received in the mail. My problem is that Discover 's mission statement states they " Our mission is to help people spend smarter, manage debt better, and save more to achieve a brighter financial future. '' If this is the case then penalizing a member for enduring a life or situation that was beyond her control hardly is in line with the mission. Requesting that this late payment be redacted is not outside of their scope of capabilities as I explained to XXXX as my elderly mother who has been a card holder for over a decade underwent XXXX XXXX and was XXXX for months and missed several payments and she requested a goodwill and it was granted. She was also offered an increase on her credit limit to XXXX despite her telling them she was on a fixed income and very sickly. This is unfair and discriminatory practices by Discover with no concern for the credit worthiness of the consumer.
05/09/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 33196
Web
Discover Credit card After continuously disputing discover credit card open fraudulently under my name in the amount of {$8200.00} open on XX/XX/2016. Discover has refused to withdraw and remove this account. I have supporting documentation in which proves I am a victim of identity Theft. I have summited the following documentation more that 10 times *police report *ftc affidavit * copy of my drivers license & social Under the Fair Credit Reporting Act, states if the credit reporting agencies can not verify the debt within 30 days, then it must be removed. Discover has reported to the credit bureau claim to have " verified '' this debt and evidence proving belonging to me. but this is in fact not true under law. Simply responding to the dispute and verifying match up numbers in your database is no sufficient verification for identity theft. In fact the Credit bureaus not only disputed this account as fraudulent but they also informed discover I was a victim of identity theft and provided police report FTC Affidavit. Of course the information matches up. Someone clearly used my information without my authorization. The thieves have have all My information but unfortunately i have no control of that. I have place a security freeze on my report to prevent further fraudulent misuse of my identity to apply for credit. I have provided more than sufficient evidence to get this false accounts removed. discover financial has made my life a living nightmare ... Ive spent time out of work totaling 217 hours ( in result lost wages for absent time ) My anual income is {$110000.00} verifiable Through the IRS. also Im currently In the process of buying my first home in Which Ive funded Ernest money in the amount of XXXX in escrow, due to the fact that discover has reported this fraudulent delinquency on my credit report I will not only be able to close on the property and loose the money that I put in escrow plus additional fees such As Appraisal & inspection for a total of XXXX not including time of work Discover credit services. Has caused me not only my good name and credibility but also monetary losses from work wages for taking time off work to resolve this matter, money lost from escrow account in result of not closing on my home due to the fraudulent XXXX, XXXX XXXX XXXX XXXX by this extreme experience. suffering of this XXXX XXXX has drastically affected me with health issues such as XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX.
08/11/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • NE
  • XXXXX
Web
I reached out to Discover customer service on XX/XX/XXXX to understand how my payments were applied considering I had multiple different interest rates via promotional opportunities. The agent replied : Minimum goes to the lowest apr ( 0 % ) and the rest of the payment applies to the highest apr. and if the highest apr is paid to {$0.00}, then the payment will go to the next highest apr ( promo 4.99 % that expires soonest, XX/XX/XXXX. However, this is not what occurred. On my statement ending on XX/XX/XXXX my balances were as shown below and my minimum payment amount was {$230.00}, due XX/XX/XXXX. {$240.00} at 15.49 % {$5200.00} at 4.99 % ( promo expires XX/XX/XXXX ) {$3100.00} at 0 % ( promo expires XX/XX/XXXX ) {$4000.00} at 4.99 % ( promo expires XX/XX/XXXX ) By the agent 's reply, considering for my statement ending XX/XX/XXXX, and the fact that I made a payment total of {$2300.00}, I should have seen my 0 % balance decrease by {$230.00}, and then my remaining {$2000.00} would have paid the {$240.00} balance completely, and the remaining {$1800.00} would have paid down the 4.99 % APR balance for the promo expiring XX/XX/XXXX. On my statement ending XX/XX/XXXX my balances were shown as below and my minimum payment amount is {$210.00}, due XX/XX/XXXX. {$200.00} at 15.49 % {$4200.00} at 4.99 % ( promo expires XX/XX/XXXX ) {$2900.00} at 0 % ( promo expires XX/XX/XXXX ) {$4000.00} at 4.99 % ( promo expires XX/XX/XXXX ) I reached out to Discover to have them explain and all they replied with is : " We usually apply your minimum payment to the balance with the lowest APR. Anything paid over the minimum typically applies to balance with the higher APR. When you have multiple promotional balances at the same rate, payments apply to the balance expiring first. '' I think Discover is not applying my payments correctly so they can collect additional interest. If the logic Discover gave me held true, my XX/XX/XXXX statement should have seen {$230.00} come off of my 0 % balance, and instead, the balance was only reduced {$220.00}. The my highest apr should have been paid completely, but it was only reduced by {$41.00}, and my remaining payment should have applied to the 4.99 % APR with the promo ending XX/XX/XXXX, and that balance was only reduced by {$1000.00}. My balances were only reduced by a total of {$1200.00} ( not including my balance on the other promo offer increased in the amount of {$17.00} ) but I made payments in the total of {$2300.00}.
03/13/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • CT
  • 061XX
Web Older American
This complaint relates to a practice of Discover Card, which I believe is a standard practice in the industry - namely that credit card interest rates are automatically raised to penalty rate levels if a customer is late with payments and/or exceeds his/her credit line, but are NOT RESET to lower levels once an account is back in good standing. During a period of time when I was self-employed between XX/XX/XXXXand XX/XX/XXXX, I had some occasions when I was not able to make timely payments. As a consequence, the interest rate on my account was increased to 29.99 %. Over the past several years, I paid down the balance on my account and put the account on automatic payment so that {$450.00} or the minimum payment would be made each month. I have had this arrangement in place for at least the past four years - if not longer. For example, my account balance as of XX/XX/XXXX was XXXX against a credit line of {$15000.00}. XXXX payments of {$450.00} per month were being made. At that time, the interest rate on the account was still 29.99 %. My credit score, by the way, according to my statement from Discover was XXXX. I should note that this is the only credit card I have and that my only other debt was a car loan which is also paid automatically from my checking account. I did check with Discover at the time to see about reducing the rate on the account but received no satisfaction. I have maintained the account in good standing since that time. I have used the card more heavily in the last 15 months partly on account of unexpected travel and partly because I was moving away from using my debit card because of some fraudulent transactions on that card and the general advice not to use a debit card for expenses. As a consequence, the balance increased on the card. However, due to the 29.99 % interest rate, the balance grew more rapidly than I expected since so much of my automatic payments were going to interest. For my statement ending XX/XX/XXXX, the balance on my account was {$18000.00} against a credit line of {$18000.00}. The minimum monthly payment of {$510.00} included a charge of {$490.00} for interest for the month - still being charge at 29.99 %. My complaint is this : how is it a fair business practice - or in the interests of promoting prudent financial practices among customers - for a credit card company to have automatic programs for raising interest rates to penalty rates and yet have no programs for the reduction of those rates.
01/21/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 01841
Web
Hi DISCOVER FINANCIAL SERVICES ; Im confused stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
02/14/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • AZ
  • 86326
Web
Discover Card Company... secured credit card deposit REFUND. I applied for a secured credit card by phone ( around the end of XX/XX/XXXX or beginning of XXXX, XXXX ) with several follow-up calls, and also sent info by email. The process was complicated and frustrating ; their agents each told me different answers to questions. I let them debit my checking account for {$300.00} deposit. They acknowledge the deposit. After I submitted the deposit, I was told to call to activate the card. I called. Only now ( after receiving my {$300.00} deposit ), did they say that they needed three months bank statements. I had moved from XXXX XXXX to XXXX, XXXX, recently closed my checking account in XXXX, opened a new one in XXXX. Waiting for 3 months for new bank statements was longer than the amount of time they were allowing to submit the information. After so many phone calls, several requests from them for me to submit additional information, being put on many long holds, and being transferred from agent to agent, I decided during the activation process to cancel the card. It was " NEVER ACTIVATED '' and COULD NOT BE USED. I tore it up and disposed of it. They acknowledge that no charges were ever incurred by the card. The agent cancelled the card and said it would take 2 monthly payment cycles plus 10 days to send me a refund check that would arrived on or about XX/XX/XXXX. Later, I spoke to an agent who told me that since the card was not activated, I could receive an expedited refund in 13 days. 13 days passed. No refund came to my account or by mail. I called and was told their records showed no refund was issued, and that they would re-submit the refund request ; it would take another 13 days. 13 days passed, and no refund. I called and was told the records showed a refund was authorized ; but no action had been taken, that my conversations with approximately 12 different agents did not show in their records, and it would take another 13 days! No refund came. With various 'stories ', they have continually, intentionally delayed the refund ; and I am concerned it will never be refunded! After each conversation with them, my XXXX XXXX is near or over the XXXX XXXX and I have XXXX!!! I can not deal directly with them any more. I suppose some people just give up. I believe they cheat people out of refunds and/or delay refunds to increase their " interest income ''. Can you help me to receive a prompt refund? Discover Card has my current address.
07/01/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • OH
  • 45040
Web
On XX/XX/XXXX at XXXX XXXX I made an electronic payment to XXXX XXXX for {$160.00}. I received an email confirmation during that evening. On the morning of XX/XX/XXXX I saw in that email confirmation that the transfer went to Discover, not XXXX. I called XXXX as soon as they opened. I was informed that I needed to wait until it processed to have it reversed, as they could not stop the payment at this time. I checked the status multiple times and as soon as I saw it cleared on XX/XX/XXXX, I began my struggle and every other week conversations with Discover ( an account I do not have and XXXX XXXX. I spoke with multiple representatives, in varying departments ( customer service, disputes, resolution, escalation, payments ) at Discover - mostly frustrated but a couple times feeling this is finally over. Then after a couple months the charge is back. XXXX, at XXXX in XXXX XXXX, Ohio has been great through this whole thing - even in XXXX/XXXX on a three way call with myself, XXXX, and XXXX ( from Discover resolutions ) - thinking this time was the end, but not. XXXX did a reversal and put the money back in my account on XX/XX/XXXX. Then that was reversed and taken back out on XX/XX/XXXX. Discover processed a temporary credit for missing payment of {$160.00} for missing payment on XX/XX/XXXX, then reversed on XX/XX/XXXX. Then again processed a temporary credit for missing payment of {$160.00} on XX/XX/XXXX, then reversed on XX/XX/XXXX. That brings us to today, the money is gone from my XXXX account, Discover says the account does not exist - even though I have given them the exact account number, electronic transfer information and have the correct address and all information. I have faxed them bank statements, transfer reports, various information requested multiple ( repeated ) times. ( That is {$1.00} per page and going to the library every time ). The most recent of those on XXXX, XX/XX/XXXX ( I have the transmittal confirmation ) - there have been many others and e-mails. I have spent so much time on the phone - receiving and calling. It has taken valuable time away from my family, work, and life - not to mention the frustration, anger and resentment created. I expect the credit to be applied by Discover and compensation for the time lost due to the constant contact with them ( and XXXX ) during these last almost nine months. If you need any additional information please contact me at XXXX or XXXX. Thank you so much, XXXX XXXX
06/25/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33126
Web
On XX/XX/2022 I contacted Discover Credit Card to inquire about the status of my disputed transaction. I had informed Discover Credit Card that I had returned a defective item to the merchant and the merchant was not providing me with a refund. Discover Card supervisor XXXX stated that Discover declined my dispute and could not help me any further because the merchant never acknowledged I returned the defective item. I informed supervisor XXXX that the item was returned, and the tracking number was provided in the dispute documentation I had previously submitted. Supervisor XXXX stated that Discover could no longer contact the merchant to confirm if the merchant agreed that I returned the item. Supervisor XXXX stated that I needed to contact the merchant and obtain a letter or document showing that the merchant acknowledged that I returned the merchandise. I informed supervisor XXXX that the merchant was not communicating with me because i disputed the transaction and the merchant closed my account. I asked supervisor XXXX if the case could be re-opened so Discover could reach out to the merchant and ask for the required information needed to resolve the dispute. Supervisor XXXX said the case could not be re-opened and that Discover could no longer assist me. I also informed supervisor XXXX that I was being scammed by the merchant because the merchant was claiming I damaged the item and was attempting to get a refund on an item I damaged. Supervisor XXXX XXXX stated that Discover could not assist me and that I should seek outside assistance. Supervisor XXXX continued to state that Discover could no longer continue with the dispute and that I needed to seek help outside of Discover. For over an hour supervisor XXXX insisted that nothing further could be done by Discover to assist me. I asked multiple time to be helped by a higher level supervisor or someone who could further assist, but supervisor XXXX refused to complete my request. Supervisor XXXX intentionally ended the phone call while I was still trying to speak to him. I contacted Discover to inform them of my issues with supervisor XXXX and the intentional termination of the phone call while I was still speaking to him. Discover representative XXXX stated all the calls are recorded but she could not provide me with a call identification number. Discover representative XXXX stated that all complains are handled internally and there was nothing else she could assist me with.
07/07/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • VA
  • 23059
Web
I am a current customer with Discover Student Loans. My interest rate has increased from 6.5 % to 7.00 % in less than two years ; that includes XXXX increases in the past six months. So, I called Discover Student Loans this morning. I asked for a reduction in my interest rate. I was informed by XXXX agents that the federal regulators set the rates, and that Discover can not reduce my interest rate. That is incorrect. The federal regulators set the prime rates. Discover adds on to that rate to set my Discover Student Loan total interest rate. My first complaint is that Discover provided me incorrect information on how my student loan interest rate was calculated and blamed the regulators for the rate, not taking ownership for their calculation. Next, I was informed by a Discover Student Loan agent that the ONLY way to reduce my rate was to apply for a consolidated student loan. This would account for a hard inquiry on my credit. Upon hearing this was my ONLY option, I submitted my application over the telephone. My second complaint is that I was incorrectly informed the only way to reduce my rate was to re-apply. This is incorrect. Discover has committed in the public press that they will work with student lendees to reduce interest rates for highly qualified individuals ( of which I am ). I informed the agent of this, who simply did not agree. Next, the agent obtained my information and imported my existing Discover Student Loan information ( i.e., the current balance ) into the application. Next, the agent informed me that I was not approved and that I would receive a letter in the mail informing me as to why I was not approved. The application I submitted and was ultimately declined for only included the existing Discover Student Loan. Ironically, I was declined for the same student loan product that I currently have with Discover. That 's my third complaint - that I was declined for the same product I have today. I informed the agent that I have obtained lower fixed and variable rates from a competitor. Discover 's competitor offered me the same lending terms ( variable, 15-year ) at 4.7 % interest. My current Discover student loan 's interest rate is 7.00 % ; that includes a .25 % reduction for direct debit. My fourth complaint is that Discover is taking 2.3 % more than its competitor ( s ) over the life of this loan. That amount excessive, and not working with me to reduce my rate to match industry standard is unconscionable.
05/22/2023 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Closing an account
  • Funds not received from closed account
  • TX
  • 77072
Web
In XXXX of last year 2022 we opened up an account with Discover account # XXXX it money marketing account. We have done all the verification that they tell us to do everything was verified. But when ever we try to link an account with it they freeze the Discover account. Every time we unfreeze it, it work just fine only when we try to link a Internal account they lock the account.we keep call up every time to ask why but never given a proper answer.it keep going back and forth into we Decided to close the account. At 1st everyone is closer account keep telling us different reasons but finally we get this conclusion. For some reason they decided to close the account. That around XXXX so I think it over with just have to wait for them to send me my check. But in XXXX I have a email from Discover telling me the balance on my Discover account it was at XXXX and some so I got confuse So I call up and ask but they don't know what I was talking about. So fine I'll just keep an extra account but something never change every time I try to link my account they freeze it So again back to square one. So that keep going on for like around a month or XXXX Then finally They say that they don't wan na do business with you no more so they gon na close my account and send me the checkout. That was around XX/XX/XXXX or XXXX. Like I said the amount was XXXX something like that. On the XXXX of XXXX in the morning it was still that amount but by night the amount wasn't there anymore so I thought they really did close the account for sure this time. So XXXX weeks past but I want to know when the check will arrive and to what address cause I have XXXX addresses on file. When I call up give them the account number The account was never fine it's like the account of wait XXXX I told him that probably close the account but XXXX of the agents told me no matter you close the account the account will still be there they will show up in on the screen. They ask me am I sure that I have an account with them not somewhere else. Now what really going on I try every thing but the customer service say they can't do anything if they can't pull up the account. So with all that happened and me try to get to the bottom of it, it like Take XXXX send me the email from discovery telling me the balance on my account it XXXX XXXX. It funny my money gose from {$16000.00} to {$20.00}. After that I haven't call them because I know it not going nowhere.but thankfully I ran in to your.
10/07/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 184XX
Web Older American
I purchased kitchen pulls worth {$220.00} from XXXX XXXX via XXXX using my Discover card on XX/XX/2020. This vendor uses XXXX as a selling platform for her merchandise to US customers through XXXX. This fact was unknown to me including her location which is mainland XXXX. When I asked to have the merchandise returned because they were the wrong size, she gave me instructions to mail it directly to an apartment in XXXX and not to indicate that it is a return because she does not want to be charged a tax or something. She also said she would refund it including my mailing cost of {$74.00}. When I finally mailed it to her, she changed her tune that she was only refunding the mailing cost to me ( note that the shipping was free of charge, so no cost identified at all ). I also filed a billing dispute with Discover to get the refund. After all the back and forth negotiations, Discover refuses to refund me despite showing them my USPS receipt, tracking number and the shipping declaration. Their reason -- I have to show proof of receipt by the vendor. Note that USPS informed me at the time of my mailing that USPS can not track the final destination inside XXXX because it is a XXXX country. The tracking can only show the port of entry in XXXX. I have tried to ask XXXX to intervene but the vendor tries to sidetrack the issue by first saying that the amount was deducted from her account, failing to mention that she received the credit after the temporary refund was rescinded because I could only show the mailing receipt and tracking form but not proof of receipt by the vendor. To date, XXXX could not get any clear response from the vendor whether she received it or not. Based on all my due diligence of returning the items, it is very unfair that the merchant gets to keep her merchandise because there is no power from the U.S. to force her to show proof that she did not receive the items, and I have spent over {$300.00} for the cost of the goods and return shipping for nothing. I would like the US Department of Finance to help me get my refund and the cost of mailing from the vendor or from XXXX because I have ended up being defrauded by a vendor in XXXX being sponsored by XXXX. I am attaching the receipt from the vendor, the USPS receipt, the tracking form, the shipping declaration, and the back and forth emails between me, the vendor, and XXXX. I look forward to your kind help, support, and consideration. XXXX XXXX XXXX ( XXXX XXXX XXXX
12/09/2021 Yes
  • Checking or savings account
  • Checking account
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 18017
Web
1.I have never had an account with this company DISCOVERBANK XXXX XXXX REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are DISCOVER FINANCIAL SERVICES the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
02/13/2017 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • IL
  • 60631
Web
In XX/XX/XXXX I received a letter from Discover Student Loans that was very vague and lacking in details, but it said that there was a change in my account regarding interest capitalization and due to this change I am eligible for a credit. I was not give specific details regarding the interest, nor what the credit would be, and I have twice sent them a message through the mail center in my account and have not received a response. In addition, the XX/XX/XXXX student loan interest payments attributed to my account totaled {$460.00}, according to Discover, but according to my calculations that total should be {$600.00}. I initiated an online chat with a representative last week ( I believe it was either XX/XX/XXXX or XX/XX/XXXX ) to discuss the discrepancy. The representative added the interest as well and also concluded that the information included in my tax statement was incorrect, and therefore was requesting that a specialist look into this situation. I was told that I would be contacted in the next day or two, but nobody ever tried to contact me. So today ( XX/XX/XXXX ) I once again initiated a chat where I was told that after looking into the tax situation it was determined that the " credit '' I was eligible for was applied to my student loan interest payments for XX/XX/XXXX which reduced my interest payments by {$130.00} ( according to my calculations ). This makes absolutely zero sense to me. Why would a credit be applied to interest payments that were already made, which could reduce the amount of my tax refund? Why would n't that credit be applied to my current statement or statements going forward? I asked the representative these questions and he was unable to answer them. He told me that nobody would be able to answer those questions for me because changes being made to accounts " happen in the background '' and I would not be able to get an explanation as to how things were calculated. In my opinion this is incredibly deceptive. How can changes be made to my account without an explanation given to the consumer? If adjustments are being made, then somebody should be able to explain to me exactly what those adjustments were and how they were calculated. I am extremely frustrated with the lack of information being provided by Discover Student Loans, and I would like some answers as to why a supposed " credit '' to my account actually looks like a penalty when it comes to the information I need to include on my tax returns.
07/19/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • CT
  • 06320
Web
Numerous past CFPB complaints filed regarding missing funds from combined accounts including checking, savings, money market totaling the amount of {$140.00} from Discover Bank. As explained prior, Discover sent funds to XXXX XXXX as part of fraud claim in amount of {$690.00} several months ago in 2021. The amount does not cover claim and according to several reps in XXXX XXXX executive office, the check was not cashed, rejected back to Discover, XXXX XXXX does not accept partial payments such as this amount, {$140.00}. I attempted to explain this to XXXX with Discover Bank executive office, he claims instructions from XXXX XXXX show remaining funds in account ( XXXX ) with Discover to be sent to XXXX XXXX which does not match up with what XXXX XXXX in XXXX XXXX executive office stated, XXXX XXXX does not accept partial payments and check was rejected back to Discover, as stated prior ... XXXX stated another check could be sent, in which case, I advised it would also not cash as is the same with prior check sent.. XXXX and I talked in circles in re, I then made numerous attempts to speak with a manager in charge, numerous messages left with XXXX and XXXX, none returned... When I followed up, XXXX attempted to refer me to XXXX and or provide his number in which case, I attempted again to reach a manager by requesting one and leaving a message.. Numerous additional attempts were made to speak with a manager, additional messages left with XXXX as well... Most recently, I was able to get in touch with XXXX, a manager, unfortunately she referred me to current rep at the time handling CFPB complaint by the name of XXXX ... XXXXShe stated XXXX would reply in a few days ... Her reply stated a check in amount of {$140.00} was sent, however, it was not included in her reply.. Today, XXXX, I attempted to reach out to XXXX to confirm check sent and by which carrier either, XXXX, USPS XXXX XXXX XXXX etc XXXX I was told she is not in by XXXX, rep whom took call.. XXXX tried to imply check was expedited via XXXX in which case I advised I have no notification from XXXX showing a package or envelope from Discover Bank sent to me ... I am signed up for alerts with Fedex as well as UPS , when a package is sent or arriving, an email is sent showing me the name of shipper as well as tracking ID and expected delivery date... I've double checked and there is no package from Discover.. Needless to say, it appears information provided by XXXX is incorrect.
01/27/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MO
  • 640XX
Web
Someone used my personal information to open a Discover credit card, and spent approximately $ 5k on merchandise, cash advances, etc ... I found out about the fraud through XXXX XXXX and also a package was delivered to an address that I had previously moved out of. One of the realtors involved in selling the house after we moved out contacted my wife and connected us with the new owners of the house to get the package. It was a XXXX XXXX which we didn't purchase, and we returned it to the manufacturer. Once we learned of the fraud, I began the process of filing FTC ID Theft Report, freezing credit, contacting Discover, etc ... .. Discover has been very difficult to deal with and here are the facts : A Discover representative informed me that the card was opened from a computer with IP address located in XXXX, TX on XX/XX/XXXX. I was out of the country from XX/XX/XXXX to XX/XX/XXXX, and sent flight documentation to Discover. A Discover representative informed of the address used on the application, and it was not even my current address. I moved out of the address in XXXX of XXXX, and the card was opened in XXXX of XXXX. I demonstrated my address to Discover with electricity bills and lease agreements, and they still won't accept the fact that I wasn't living there. A Discover representative informed me that someone called from XXXX to activate the card. That phone number was my parents phone number which they cancelled over 5 years ago and has had no association with my family ever since. In order to prove this, XXXX XXXX XXXX XXXX told us that we'd need a subpoena to collect records from that long ago. Discover has said they " matched me voice '' to this call, which is weird because I do not have any defining characteristics in my voice. I don't have a thick accent, and my voice is normal in every way. I do not understand how this would be strong evidence in any way. In addition, the fraudster opened a XXXX XXXX account in my name and spent approximately $ 3k. I provided the same documentation to XXXX and they dropped all charges quickly because they knew it couldn't have been me. I have consistently cooperated with Discover to resolve the issue and they have been very difficult to deal with. I am trying to buy a house and this issue has hurt my credit score by approximately 200 points! Very stressful and I have provided every piece of documentation I can without a court ordered subpoena. They are costing me time and money!!
03/25/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • OH
  • 44133
Web
Discover Student Loans, the current servicer of my private student loan recently sent me a letter indicating that during a " recent review, '' they discovered that unpaid interest from a previous deferment period was not added to my principal loan balance. Because of this, my minimum monthly payment was lower than what it should have been. To resolve this, they added the unpaid interest to my principal balance ; however, the exact amount added is not disclosed in the letter. Along with this, they have indicated that my monthly payment will also increase, in which that amount is also not disclosed. They have indicated that the adjustments will be reflected on my monthly statement within the next 60 days, but no explanation on the amount added back in and how they arrived at the dollar figure. The letter also indicated that a credit of {$210.00} has been applied to the interest balance of the loan, which is not known how they arrived at that exact figure either. The letter sent is extremely vague and does not discuss how they arrived at the decision or calculation used to add back in the amount to the principal balance or what the new monthly payment would be. The letter also states that this was done to ensure the loan is paid in full at the end of its repayment period. Additionally, the letter states that any adjustments made will not increase the total cost of the loan ; however, my balance increased along with my monthly payment. Upon logging in to my account, it was discovered that Discover Student Loans added back in over {$2500.00} to my principal balance. To find an answer to my questions, I contacted Discover Student Loans where I was unable to obtain any answers, but they did mention that my payment has increased by approximately {$20.00} per month. Out of the XXXX representatives I have spoken to in the last two days, I have not been given an answer as to how they arrived at the calculation used to determine the exact amount added back to my principal balance and they have failed to follow up with me regarding my concerns. I have now been in repayment for close to five years, with 100 % on-time payments. I feel that I am being mislead and I am having to pay for a mistake that I did not make. As you will see in the recent statement attached, I have paid {$20000.00} through XXXX XX/XX/2015 and of that amount, {$20000.00} has gone to interest alone. It also indicates {$0.00} in late fees to date. School : XXXX XXXX ; XXXX, OH
12/02/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 92708
Web
On XX/XX/XXXX, I opened a credit card with Discover and immediately added the card to XXXX XXXX ( possible activate physical card as well ) After the physical card was send out. On XX/XX/XXXX, someone stole my card and used it at near by XXXX XXXX and shopped for {$860.00}. Immediately I realized the fraudulent activities and reached out to Discover to dispute the charges. They have provided credits right away, closed down the account and opened a new one for me. I was suggested to file a police report as I told them I am afraid that my identity information might be stolen because the card was easily being activated. I was also being suggested to file one because they believe it would be an easy case for local police to identify the theft since it happens in the same city. Which I file a police report on XX/XX/23 and provided the cases number to Discover for further investigation. On XX/XX/XXXX, I receive a copy of the receipt from XXXX XXXX of the fraudulent activities provided by Discover. On the receipt, it shows the thefts name and XXXX XXXX membership ID. And the amount matches my statements. And I also replied to their call for further information stating that I have receive a replacement card and it was extremely easy to activate the card. They never asked my birthday nor last four digits of XXXX. Just one call and provided last four number of Credit Card number the card is activated. I provide my frustration and believing that the case was closed. However, on the XXXX, I received another letter from Discover stating that they were not able to find any fraudulent activity on my account and I am responsible for the {$860.00} which does not make sense to me. I have called Discover once again on the XXXX, complain about the issue. But they said I will have to wait for 30 days for them to reinvestigate. In the meantime, I could reach out to police for more evidence and I will either have to pay that {$860.00} or it will sit in my open balance and getting rolled over with late payment fees and interest. I am extremely unhappy with how Discover resolve the issue. They already have the receipt that shows the thefts name and membership ID. I never had a XXXX XXXX membership. I provide every little detail I am acknowledged with and even listened to them and went for a police report. I do not understand what additional proof I need to provide. So I really would like to seek for additional help and suggestion. Thank you!
03/31/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • XXXXX
Web Servicemember
In mid XXXX Discover Card sent me notification via mail and phone that I was delinquent on a my Discover card and that I owed them {$9500.00} which I disputed and asked them for proof that this was my loan. Discover never provided any such documentation. The Discover hard I did have was closed with the highest balance being {$5600.00} to the best of my recollection. I pulled my credit report and did see the closed account, and also the account discover was referencing. Discover never provided me with any contract or proof this was indeed my debt, but they did add it to my credit report. In late XXXX I was issued a court summons, Discover using a private debt collection firm called XXXX and XXXX was suing me for the debit. I filed a sworn statement of denial of the debt, and asked the court to dismiss the case. While waiting for the date, XXXX and XXXX filed a motion for summary Judgement. In my response I stated this was not my debt again. When I appeared in court the attorney representing Discover called me into a room where she tried to coerce me into paying the debt. When I refused, it went before the Judge. The judge was angry at a previous case and read over mine, said I do not see any denial here and ruled in XXXX and XXXX 's favor. Over the last 8 years I have been sent repeated letters threatening action, and attempting to get me to pay for the debt. I have been unable to refinance my home, or do many normal credit related things, including help my aging mom a home recently, Also over the last 8 years as my credit began to improve Discover card began sending me pre approved credit offers to attempt to get me further into debt. The entire time they were sending letters to collect a debt on a fraudulent judgement against me and my only home. I saved over 17 pre approved credit offers from Discover card, and have XXXX of the debt collection letters one from XXXX and XXXX from XXXX. The credit offers are from various years and some were never opened. All addressed to me offering me " 0 percent rates '' and " XXXX XXXX ''. Some of the offers are even personalized inside, addressing me by name saying how Discover wants to help me. All the while they have a fraudulent Judgement against me, for an amount I never owed, that is preventing me from living my life and helping my family, We are trapped HELP PLEASE Amount XXXX and XXXX / Discover say I owe is : XXXX for account ending in XXXX. Original Judgement for XXXX ( not my debt ).
04/21/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91344
Web
Hello CFPB, This complaint is for XXXX. There was fraudulent charges that were done with and without my card ( manually ) and I discovered the fraud when I went to my XXXX XXXX account and saw an unusual high balance that should not have been that high at that time. I filed a dispute in the amount of {$6300.00} for the fraudulent charges that were done on my account ending in XXXX. The initial claim number with XXXX is XXXX. XXXX is falsely accusing me that there was no fraud indicated when in fact there was. XXXX and its employees that contacted me to ask me questions were very rude and they were accusing me that there was no fraud when in fact there was. On XX/XX/2022 I spoke to another agent in the fraud department and she informed me to file a police report which I did so they can re look this claim. On XX/XX/2022 I filed a police report in the amount of {$6300.00} which I will attach to this complaint. XXXX is not only accusing me falsely but they are also holding a innocent card holder to pay a balance that does not belong to me. They are also jeopardizing my credit because if the balance is not paid they will report it to my credit bureaus which they should not because I do not know what those charges are coming from. I have never been late on any of my payments with XXXX and they are holding and jeopardizing my credit for a balance I am not obligated to pay for since I have no knowledge in those transactions. XXXX and its 2 workers that contacted me were very unprofessional and were falsely accusing me. XXXX needs to be investigated for falsely holding someone responsible for a debt I have no knowledge in. I will be attaching my police report that I completed on XX/XX/2022. XXXX has no right to accuse a innocent individual and jeopardize there credit for transactions I have no knowledge in. CFPB please investigate XXXX for unrightfully blaming me and holding me responsible for a balance I am not obligated to pay by law since I have no knowledge in those transactions. Please investigate XXXX. By law a consumer is responsible to only pay for debt they create and in this case those charges were not created by me however XXXX is threatening my credit that I have worked extremely hard to keep clean. These charges have been reported to the police. I will also be filing a complaint with the CA Attorney General towards XXXX for falsely accusing me and holding my credit as XXXX for a debt I am deemed not responsible for. Thank you.
10/05/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07206
Web
Be it known to all who call themselves " government, '' their " courts, '' agents, and other parties, that I, XXXX XXXX XXXX, am a consumer whose consumer rights are to be protected by the Fair Debt Collection Practices Act, Truth In Lending Act, Equal Credit Opportunity Act and Fair Credit Reporting Act. I certify under penalty of perjury that the foregoing is true and correct. This statement of truth to be presented will display blatant acts of consumer rights protection violations and fraud against myself being a consumer by Discover Financial Service located at XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX ; which will continuously be referred to as " Discover ''. On XX/XX/2021 I sent a cease and desist and alleged debt validation letter in regards to an unauthorized credit transaction listing on all of my credit reports that violates 15 usc 1692C ( b ), which was performed by Discover Financial Service to Discover via certified mail. The cease and desist and alleged debt validation letter sent certified mail was acknowledged and received by Discover on XX/XX/2021. On XX/XX/2021 Discover responded to my request for alleged debt validation and remedy with two documents that completely violate 15 USC 1692g and 15 usc 1692b. Again on XX/XX/2021, Discover responded to my request for alleged debt validation and remedy with another document that violates 15 usc 1692g, 15usc 1692b, 15 usc 1666b, and 15 usc 1605. After receiving these direct consumer rights violations from Discover, the company continued to collect on this alleged debt that was never validated by continuing to report to all credit reporting agencies which violates 15 usc 1692C ( b ). The documents that were sent to me by Discover are corrupt and misleading which violates 15 USC 1692e and 15 usc 1692j. Discovers illegal debt collection practices are unfair and unjust and violate 15 usc 1692f. This company has since then closed the accounts in a negative standing and have created much hardship for me financially, mentally, emotionally, and professionally which violates 15 usc 1692d. This statement of facts clearly displays that Discover knows that they have participated in illegally debt collection practices and continue to violate my consumer rights. The below list of facts is proof that Discover has been violating my consumer rights, disregarding federal laws, defaming my character, limiting my financial freedom, affecting my familys current and future means of living.
08/10/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • XXXXX
Web
XXXXI have never had an account with this company DISCOVERBANK XXXX XXXX REMOVE from all credit agencies from reporting. XXXXconsumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are DISCOVER BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
01/18/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • VA
  • 20112
Web
I was approved for a Discover Card at the end of XX/XX/2018 with the promo of 14 months at 0 % interest. I just so happened to check my most recent statements and noticed I was charged interest. I was charged {$17.00} in XX/XX/XXXX's statement and {$21.00} in XX/XX/XXXX 's statement. Perplexed, I contacted Discover 's customer service, thinking this was an error. The customer service agent looked into the matter and informed me they did not see the promo on my account. At which point he transferred me to a supervisor. The supervisor, too, looked into the matter and informed me that I was not eligible for the 14 month promo as this was based on credit worthiness. At this point I was shocked, I have never before been approved for a credit card that offered an introductory 0 % interested and then been told, yes I got the card but not the 0 % interested because my credit was not good enough. I found this to be very underhanded and deceitful. At this point I looked at Discovers site and they were still offering the same promotion. I read the fine print and there was nowhere in the online disclosures that stated the 14 month 0 % promo was based on credit worthiness. Obviously, when applying for the card these are the only disclosure you are privy to at that time. It does state in the only disclosures that after the 14 months is over and APR kicks in, that is based on credit worthiness, which is expected. After reading the information on the site, I called back and asked to speak to the manager above the supervisors. I was contacted a little less than 24hrs later. At which point she offered to refund the most recent interest charge of {$21.00} and 12 months interest free. I accepted the refund of {$21.00}. However, I would like to have my 14 months interest free. That is what the offer stated, and that I what I am due. I would also like to have the {$17.00} interest refunded as well. My balance is currently at XXXX, I have not had any missed payments, nor have I exceeded my balance. I have been a model card holder since receiving my card. I carried a balance XX/XX/XXXX and XX/XX/XXXX, but have since brought the balance back to XXXX. The fact that I was told information that based on their website disclosures was incorrect, is completely unacceptable and deceitful. I am really taken aback and quite frankly feel that XX/XX/XXXX is not a good company to bank or do business with and I wont be recommending to any friends or family.
12/30/2016 Yes
  • Credit card
  • Credit card protection / Debt protection
  • MI
  • 48823
Web
On XXXX XXXX, 2016, I purchased a smart XXXX Watch XXXX XXXX XXXX at XXXX XXXX for {$290.00} ( excluding tax ) using my Discover XXXX credit card. I found a lower price on XXXX XXXX, 2016 for the same exact item on XXXX for {$220.00} ( excluding tax ). On XXXX XXXX, 2016, I submitted a claim for Discover 's Price Protection, a program which reimburses you for items purchased with your Discover credit card if you find a lower price for the item within 90 days. The claim was for {$71.00} ( the difference between the price I bought the item for and the price I found a few days later for the same item ). When I filled the claim, the claim representative indicated that watches are excluded per the terms and conditions. I read the terms and no where did it state that watches were excluded. The representative claimed that watches are considered jewelry, which is excluded in the terms and conditions. I asked the representative if you can turn on and off jewelry items as my claim was for a smart watch that can be turned on and off. She agreed that you can not turn on and off jewelry items, and then gave me a claim number ( XXXX ) to submit the proper documentation. I called to check the status of the claim and was told it was denied since it was a watch. I spoke with a women in the President 's Office of the claim administrator and they indicated that Discover gave them directions to exclude any item that even included the word " watch '' in the product name. I explained that the XXXX Watch is a smart watch that is not sold in jewelry stores or in the jewelry department. Moreover, I explained that the XXXX Watch is essentially a mini computer that you wear on your wrist, that can make and send text messages, calls, and even check the current weather ; I explained that the XXXX watch is an electronic and not a jewelry item. She indicated that this is not the first time that a smart watch has been denied and it is under the direction of Discover. I called Discover prior to this conversation with the Claim Administrator, and the Discover customer service agent filed a inquiry regarding this subject matter and said the executive office may or may not contact me back. Discover never contacted me back. My claim was denied because Discover is claiming this is a jewelry item even though the claim administrator representative on XXXX agreed that jewelry can not be turned on and off and thus agreed that the XXXX Watch was not a jewelry item.
03/01/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 94306
Web
On XX/XX/2018, I picked up my vehicle from XXXX XXXX XXXX in XXXX, California after a supposed strut assembly installation job was done. After picking up the vehicle, the vehicle was making novel noises from the right front wheel, indicative of problems. I asked the merchant, XXXX XXXX XXXX, what they thought the issues were. They said they are not sure, came up with several incorrect suggestions, and lastly told me to take my business elsewhere. In order to get my vehicle back, which I needed for work and school, I had to use my credit card as collateral, though I knew the job by XXXX XXXX XXXX to be botched. XXXX XXXX XXXX proceeded with charging my card an unauthorized amount of {$640.00}. After receiving my vehicle back, the noises worsened. I then towed the vehicle to another shop near my hometown and they determined the vehicle to be unsafe to drive, caused by bad work. Statements from a pre-inspection done on my vehicle before visiting XXXX XXXX XXXX corroborate the second shops statement. Because of the bad work done by XXXX XXXX XXXX and a job which rendered my car from operable to inoperable, I opened a case with the California Bureau of Automotive Repair. The case worker complied a file that tagged multiple violations on the part of XXXX XXXX XXXX - including performing work on a customers car that the customer did not obtain proper authorization for. California law states that a signature must be obtained before work is to be done on a customers car, verifying that the customer agrees to the repairs being done. Since the card used as collateral in the transaction was Discover credit card brand, they were the ones contacted to dispute this transaction. The FTC allows a 60 day window for charges to be disputed on the account of unauthorized charges and for services not delivered as agreed. Therefore, under dispute is two-fold : that XXXX XXXX XXXX did not obtain proper authorization to work on my vehicle and that their attempt at service was bad work, leaving my vehicle inoperable. Discover has refused to recognize either dispute and claims that I agreed on the services. They further claim they are unable to accept legally-affiliated documents, which cover improper credit authorization. Please request the California Bureau of Automotive Repairs file claim covering the violations of XXXX XXXX XXXX as needed. I will then proceed to file form SC107 in the XXXX County Court System to provide an untouched copy.
04/30/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MN
  • 56560
Web
Discover card has refused to intentionally review in full, this request for consideration to refund, despite an online initial request with several agents stating this is an unusual situation. COMPLAINT Letter regarding DISPUTE XXXX XX/XX/XXXX COMPLAINT I am writing to advise you that I am unhappy with the decision taken not to refund payment as requested in my prior letter date XX/XX/XXXX. I booked my travel with XXXX XXXX based company called XXXX XXXX XXXX XXXX Company number XXXXXXXX XXXX : XXXX. This company entered insolvency on XX/XX/XXXX. This has left many people, I included, out of pocket for future travel with them in XXXX.This tour was to take place on XX/XX/XXXX. This Discover card was used to satisfy the full payment to XXXX on XXXX XXXX for {$3400.00}. ( Citation from 1 XXXX XXXXXXXX XXXX and is found in the uploaded information in my account in your Securities tab ) I appreciate that there are time-scales for refunds to be initiated, but I had no reason to believe up until XX/XX/XXXX that my tour would not be honored. I am part of an XXXX XXXX group of failed customers who are aware that many financial companies including XXXX XXXX XXXX XXXX, and XXXX have already made refund payments to XXXX customers, because of this and their willingness to understand this is unusual. This payment was made in good faith by me and I trusted in the fact that in using Discover 's credit card for a future travel event, that I was covered in case of failure. I have been a loyal customer since XXXX of XXXX and have never experienced a set back like this. On a personal level, I would find this refusal to refund my money devastating. I placed my trust in your financial institution and was certain you had measures in place to protect me as a valued customer in a case like this. I would ask that you reconsider the position regarding my request and return funds to my account using the Chargeback mechanism as I was not able to use them for the intended purchase. In my Discover credit card account, I have all the uploaded information for review and can support that I attempted to contact several times XXXX for a full refund, though they claimed funds could not be refunded and could only be used for future tours. As soon as it became Internationally known, I actively researched to get this hard earned money back. Thank you and I am sure this is now another of many requests you have encountered regarding the failure of XXXX.
05/05/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85326
Web
I attempted to resolve & negotiate credit debts thru XXXX XXXX back in XXXX of XXXX. I provided all amounts owed with contacts including phone numbers, account numbers & balance owed. At that point they started deducting {$1600.00} a month, as the months went by I started receiving collection notes, then it went on to more aggressive means as I started getting served by the courts for creditors that had been provided to XXXX when they started receiving funds. I sent all summons & letters to XXXX believing they are handling my accounts for me. I started questioning what is going on & why did it get to the point of me getting served by the courts when XXXX has been deducting funds to negotiate & pay my creditors for many months ( about a year almost ). I asked for reports for many months from XXXX XXXX in which I would never get anything sent as to what the progress was. I requested many times for report as to what was paid to creditors. I finally received a report XX/XX/XXXX from XXXX who stated he was the new account rep, I immediately explained to him my concerns & wanted an explanation of where my funds have gone. XXXX sent report reflecting {$18000.00} that XXXX had deducted from our account. The report reflects XXXX is holding on to almost 50 % of the funds due to inactive debt which XXXX explained these are accounts that closed with no effort to reach out to my creditor. I took it upon myself to call all creditors & they said no one from XXXX has ever reached out to them to negotiate, they had no idea any company was involved to negotiate debt or work out a payment. The only ones who did get a call was XXXX, XXXX XXXX XXXX out of XXXX creditors that where submitted. I have requested to date from XXXX to provide me with what exactly was paid & to which creditor it was paid to. I am still waiting for the report. It makes no sense for me to get served more than 3 times by the court when XXXX should have been handling all the creditors from the get go. Now as a result of XXXX negligence the balances & fees with these companies are much higher than when I submitted, they have caused more issues & made the debt worse then it was before I started out. They did not provide the services they advertise for debt relief, they made my situation worse. I need XXXX to take accountability & resolve the debts with the {$18000.00} they have received so far & provide proof they have resolved my debt with a feasible debt solution.
03/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 342XX
Web
My complaint is against Discover Financial Services for failing to remove an unauthorized and fraudulent credit inquiry on my XXXX credit report. I have included a copy of this credit inquiry that appeared on my XXXX credit report ( doc # 1 ). I did not apply for this Discover credit card and have no interest in having a Discover credit card. This inquiry along with many other inquiries for auto loans and credit card accounts appeared on my credit reports all within a few weeks of applying for a XXXX XXXXXXXX XXXX auto loan. I did not apply for any of these other auto loans or credit card accounts including this Discover credit card with the exception of the XXXX XXXX XXXX auto loan that I was approved for and used to purchase a new vehicle. I sent a letter ( doc # 2 ) to Discover on XX/XX/2022 explaining that I did not apply for this credit card and asked that they have this hard credit inquiry removed from my XXXX credit since I did not apply for this Discover credit card. In this letter I further explained that several other credit cards and auto loans that I did not apply for has appeared on my credit reports. On XX/XX/2022 I received a form from Discover that was needed for them to conduct an investigation into this matter. I immediately completed this form ( doc # 3 ) and mailed it back to Discover on that very same day. After about three weeks went by since returning this completed form to Discover I called them for an update on this investigation. I was told that the department that handles this requires that all communication is done by mail. I followed up with another letter ( doc # 4 ) explaining that I had wrote a letter to them explaining my situation and that I also mailed them the completed form that they needed to investigate this matter. On XX/XX/2022 I received another form ( doc # 5 ). This is the very same form that I received from them back on XX/XX/2022. Discover is completely ignoring my request to have this credit inquiry removed from my credit report. This is clearly a case of fraud or identity theft and Discover is not taking this seriously. Having these unauthorized credit inquiries on my credit report is having a negative effect on my loan applications, my acquisition of credit and my credit history. Discover is not doing anything to correct this matter and since they requested my credit report without my permission they are required to have this credit inquiry removed from my credit report.
05/02/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MO
  • 65301
Web Servicemember
It was Sunday, XX/XX/2021. I had read through some card offers, through my XXXX online account, after checking my credit score. ( which was XXXX XXXX. I seen DISCOVER was offering a pretty decent one for 11.99 to 22.99 % variable APR w/ no annual fee plus 5 % cash back on certain purchases per a rotational basis, 2 % on gas and dining out and 1 % on everything else. So I unthawed both my XXXX and XXXX accounts temporarily, XXXX because the offer was seen originally through their site and XXXX because that's where it was stated in their terms they ran the credit check, and applied online. About 60 seconds after applying I was approved for a {$500.00} credit limit with the payments being due the XXXX of every month. I was informed that i should receive my new card in 5-7 days. Two days later I get a suspicious email from " verification services '' ran through XXXX XXXX who I didn't unthaw nor gave any type of permission to share any of my info with anyone ) requesting two years of tax returns by e-signing a 4506-C document. It further stated in the email that DISCOVER was the one requesting the information AFTER I had already been approved. So i called DISCOVER customer service and spoke to a lady there and she said there was absolutely no record of verification services at DISCOVER requesting that info, and that i should not click any links within that email. she said my account was approved and everything was fine. There wasn't anything else there. So a bit relieved I just went on about my business. That is until I received a second email from that " VERIFICATION SERVICES '' requesting the same information again. This time I called the number on it. It was DISCOVER and it was them requesting 2 years of my tax returns. I asked the woman on the phone why they needed two years of tax returns for a simple XXXX credit limit and why this info wasn't requested during the application process and before the approval process if actually a requirement. She DID NOT answer either of those two questions. She just kept apologizing, but at the same time told me that they request the information with and from existing customers. I was a new customer that NEVER had a card with them before. Still finding her inability to answer my two previous questions and being dodgy made me very suspicious. So I told her to just close out the account i had just been approved for and that i would be filing a complaint with the CFPB. And here I am.
12/09/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • NY
  • 10016
Web
Still have problem with the so called discover, I relly suggest them to pay a psycologist/ndeurologist for their employee since manuy of them are not even able to undertand what a internet/web banking is they want to operate on the internet but the web scares them too much, that's wy they have to transfer their company from the web to the physical store I have placed a complaint when the the checking account was blocked for one of their non sense reasons tI have added my passport and driver licence in their website page named " secure document upload '' but still they are not sure if I'm myself I have also contacted their executive office and they were at least able to write a send a email were they have confirmed that they were working to remove the checking account block for this bank managed by clown everithing is sospicious, if someone wants to update the email adress, tha 's a socspicious actvity, if someone has a phone number with a area code that they are not able to understand, that's a sospicious activity, if somone updates her mailing adress that's a socsicious activity, but the update bottom is there, so why the XXXX they have provded a update bottom if they consider everithing that was updated a " sospicious activity '', but 1 pasword is secure did they know that 10 passwords are better than 1, they are neversecure enought now the account is working but the ach transfers of funds from discover to the linked external checking account is disabled, so the account was not reinstated completely I want a fully working account and to ease their mind I tell them again, if a simple account update make them so nervous they have to remove the update buttom and they have to provide a fixed fileds online account, then the customers will choose if they want to use this bank managed by clowns or if they want to exclude them from the options I will now post a federal trade comission complaints also since they insist too much to receive complaints I WILL COMUNICATE WITH THE INTERNET, WEB IN WRTING ONLY, NO OPHONES HEREM PHONES ARE NOT AVAILBLE SINCE I HAVE ESTABILISHED FOR MYSELF THAT I WANT TO USE THE INTERNET BANKING AND NOT THE PHONE BANKING MAKE UO YOUR MIND, TO EASE YOUR MIND I TELL YOU AGAIN, I SIGNED UP FOR A ONLINE BANKING IS IT CLEAR ENOUGHT, OR PEHAPS YOU DO NOT UNDERSTAND ENGLISH I CAN PROVIDE A VOPY OF MY DOCUMENT ID IF NEEDED BY EMAIL, AND I CAN SEND THE DOC FROM THE EMAIL ADRESS REGISTERED ON THE BANK ACCOUNT!
02/24/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MI
  • 48042
Web
I bought a watch on XXXX that was supposed to look like a XXXX but with no branding. It was supposed to be two watches. I received the package from some random country in the XXXX XXXX. It contained only ONE ( 1 ) watch, which was a poor, cheap, extremley bad XXXX branded replica watch. In the listing it stated a model for i guess a replica watch, which if you look up the model name " XXXX XXXX '' you can see it is a very high end, very authentic looking XXXX branded replica which i did not know til AFTER this whole ordeal. I provided all this proof that i only received one watch, a poor replica, even sent this comparison pictures of the products and discover still went against me. ANYONE with two eyes and a brain can see these are NOT the same watches, i was duped, scammed, defrauded, any other word for a scam! These are NOT the same watches, i paid for a XXXX XXXX, either way i did not knowingly buy a replica watch. I ordered two and received one. In the end, i filed a complaint with ebay, they voted in my favor and have the email but they banned me from ebay/paypal and while they told me i was refunded or would be refunded i never was. When i called them they proceeded to tell me they had issue in their system to refund my to my DISCOVER card and they themselves told me to dispute the charge and i would be refunded no problem. CLEARLY these is a problem, the seller sent a letter to XXXX saying a " XXXX XXXX '' is not a replica XXXX when a simple XXXX search clearly shows it is, as well as the proof ive provided. the seller one sent me ONE ( 1 ) watch when i ordered TWO ( 2 ) watches. So even if Discover were to want to scam me, i should only be charged 50 % of the total amount. DISCOVER has been trying to scam me for months, i have provided undisputable proof of the charge not being valid and that i should be refunded in full. I provided email of ebay awarding my refund to my discover that DISCOVER themselves asked for, now they are ignoring it when for months thats what they requested. Now they are attempting to take money from me over a cheap, counterfeit XXXX. I will forward this complaint to XXXX themselves in hopes they take a stand against Discover since they are allowing customers to get scammed by the worst looking replica XXXX watch on the market, this is {$5.00} watch in a back alley and not the $ 500+ replica i was told i would even get when i did NOT know i was ordering a XXXX replica.
08/12/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 62301
Web
On XX/XX/XXXX I was contacted by a collection agency about a debt in collections from Discover of XXXX. I had not knowledge of this debt. I disputed it and a fraud case was opened. The week of XX/XX/2022 I contacted XXXX for an update on my dispute case. I was told it was discovered as a valid debt from Discover and collections was being sent back to them. On or around XX/XX/2022 I contacted Discover and Discover XXXX at the request of Discover to review my findings and request where to send this information. I was passed around to several departments. Some of which could not find my name and this account in their system at all. I also requested several times that the fraud case be reopened and that info sent to XXXX. As of XX/XX/2022 that had not been done and the account had been turned back over to XXXX ( per my call to XXXX at XXXX ). XXXX took my information and resubmitted it back to Discover as fraud. He provided an email at XXXX for me to send this additional information to as well. Also to note in my calls on or around XX/XX/2022 I requested to talk to the case XXXX, XXXX several times. Attempts were made to transfer my call there. They were unsuccessful due to phone issues. I was told to call back as she was at lunch, but she was also going into a meeting at XXXX central. I called back before her meeting. Again I was met with phone issues. I requested a call back from XXXX to go over the next steps I needed to take and update her on what I had found. I never received a call back. I then contacted Discover Security, which lead me to several different departments with no resolution or way to send my information to them. I was told to contact Discover Security again by the last person I talked to. I contacted Discovery Security again today, and the number I was given by XXXX was incorrect. An attempt to transfer me from the credit card division to the loan division was then disconnected. I called another number Discover had given to me. I was given the website to upload this info to and told my info would be passed along to a XXXX. I will be submitting all information via that website. A new case was opened ( XXXX ). I requested all information be sent to me on this account again. I have a XXXX XXXX report showing that no account numbers given to me by both XXXX and Discover have ever been open, closed or held in my name or social security number. I have a letter from my bank stating the same thing.
04/24/2020 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Banking errors
  • DC
  • 20001
Web
On XX/XX/XXXX, my XXXX XXXX Personal CD matured ( XXXX ), for {$260000.00}, & I contacted Discover Bank, to acquire a higher rate CD ( at 1.75 % ). Discover took all my information, saying it would require 5-7 days to open the CD ; the CD number was to be XXXXThe amount was to be {$250000.00} or more. I said OK. After 2 calls to XXXX to request the transfer ( via ACH ), XXXX said they only transfer CD monies to a savings or ck account -- not to a CD! So I had to have Discover Bank set up a savings account & XXXX would make two test deposits to prove it was my account where the money was going. So we went through that crazy procedure & it went OK. On XX/XX/XXXX I asked XXXX why the CD & was money not transferred, & they said " Discover had frozen my savings account ''. So it could not be used. I called Discover & they said : 1 ) I should never have opened a savings account, only a CD ; 2 ) I would need pay a {$30.00} wire transfer fee for the funds. But every step of the way with Discover someone was trying to mis-lead me. Their telephone reps would say something & when I questioned it, they would backtrack & change it. They did claim the account was never froze. On XX/XX/XXXX, I learned the money was transferred to Discover & into my savings account. In speaking with the rep, I decided to open the CD with {$250000.00} & receive the rest in a check to me. The rep worked to open the CD and when I asked her to confirm the 1.75 % 12 month rate I was promised ( on XX/XX/XXXX, for at least 4 weeks ), she at first said it was only 1.5 %. I questioned this & asked for a Supervisor. She spoke to him & then told me the 1.5 % was only for On-line opened accounts but I was a call-in & would get the 1.75 %, per her Supervisor. Yesterday, XX/XX/XXXX, I received the Discover confirming letter for my CD opening ( acct XXXX ) -- at 1.5 % Typical Discover, telling you one thing, & then doing another. Right up to the edge of fraud. But labeling it always that the telephone rep was confused. On the one hand, XXXX was guilty of deception -- -that I needed a savings acct & proof it was me holding it. On the other, Discover was working to mis-lead me with every telephone rep comment. And the .25 % interest rate they denied me equals $ XXXX/year. Just year 1. As an honest consumer, I need Consumer Protection to exercise some authority with Discover Bank -- and secure the 1.75 % I was promised. I also filed a complaint with the FDIC.
10/17/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Bounced checks or returned payments
  • CT
  • 06902
Web Servicemember
On XX/XX/XXXX I deposited my unemployment back pay check into my bank account. It was immediately placed on an extended hold because of the amount which which was understandable, and the XXXX the check was to be made available. Im attempting to fulfill my financial obligations and request a wire transfer, this is completed and I go about my business with no issues. I call in to verify the wire because for some reason when it comes to wires XXXX seems to lose verification information and to clarify this means when Im supposed to give my additional information to verify my transfer Ill have multiple calls from reps asking me to verify my documents as if Ive never sent them to begin with. Im making several calls to discover to not only alert them that Im making payments but I also had a lengthy call about increase my spending limit. This is all COMPLETED, and I proceed to send money when I receive a text while on the phone with discover that my account is being frozen for fraud and suspicious behavior. I call immediately and am told the wire and everything else would be locked because my received word that the check was in bad face from the company that sent the check. Makes absolutely no sense and I find myself no funds, no access to funds and a family that is lacking groceries and other necessities because of a severe lack of communication. I upload on the XXXX my drivers license, the teller check receipt. Im told in 2 days Ill receive a word back, every call since has been different information regarding expected times and expectations. Im told the only way they can verify is if they speak to the bank that wrote the check. Hold times are egregiously long, but they cant spend enough time on the phone waiting. My money and my life are on pause because my bank doesnt have the time to spend waiting on extended hold times? Is there some unspoken time limit to assist and why do I find myself begging and pleading for help and anyone to assist. Im polite when Im on the phone, Im understanding, Im Cooperative and I understand that there are security measures but when I have so much at stake is waiting 20 minutes on the phone to much to ask? I have initiated every call from the XXXX to current day and when you hear the automated voice from the banksay theres extended wait times and I have to be on the phone as well to confirm information and Im waiting on the phone as well, is 20 minutes of someone, anyones time to much?
11/15/2023 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • Trying to communicate with the company to fix an issue with the application process
  • WA
  • 991XX
Web
On or about XX/XX/2023 my wife and I began a home equity loan process with Discover Home Loans and were approved. We were going through the process submitting requested documents. On XX/XX/2023 senior loan processor XXXX XXXX XXXX XXXX XXXX ) stated that she needed me to contact my home owners insurance and add them as a XXXX XXXX holder. She specifically stated it could not be an insurance binder. They needed to actually be on the policy now. I contacted my insurance agent and he provided me with a binder. He stated that he could not add them until the loan was completely approved and closing paperwork was signed. He told me if the binder wasnt sufficient that they could call him and hed work with them on something that would work. My insurance agent called me a couple days later and stated that XXXX had just contacted him and she was trying to get him to add Discover on the policy. When he informed them that he wasnt allowed to do that, she got very inappropriate and began accusing him of fraud. He told me that he did not appreciate being treated that way and would not longer be working with them. I called Discover and they informed me that we wouldnt be able to proceed with the loan unless they were added now. Due to needing the loan, I then called the insurance company directly and added them. The loan process proceeded. On XX/XX/2023 I received an email stating that my loan was now denied and that my loan agent would be contacting me. I called Discover and my loan agent wasnt available so I spoke to another agent. She told me that my house didnt qualify for the loan due to having multiple buildings on my property. This didnt make sense because its a full house, a separate guest house and bath house and a garage. She told me it didnt qualify. I asked if they were going to take themselves off of my home insurance. She stated that XXXX had. I then emailed my loan agent, XXXX XXXX, and asked him to call me when he was available. As of XXXX, XX/XX/2023, I have not heard from him. I contacted my home insurance and they stated that Discover was still on the policy. Discover did not contact them to be removed. I explained that the loan never went through and asked that they be removed. At the beginning of each time I spoke to Discover they informed me that the calls were being recorded. So it is all documented on their side. This was a horrible experience and they missed out on customers with great credit scores.
02/24/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Privacy issues
  • WA
  • 98107
Web
I am writing to ask that you look into the predatory banking practices of Discover credit card. I am currently reeling from a shocking phone call I received on XX/XX/2020 from Discover, a credit card account I opened just 7 weeks ago. Discover demanded I release my 1040. If I did not comply, they threatened to close my account. This has all been verified. It was indeed Discover. See attached. I held a savings account at Discover Bank for over 8 years before deciding to open a Discover credit card. Following the normal credit application procedure, I unfroze all my credit reports, one at a time, at all three credit reporting agencies. Once approved, one by one, I refroze each credit report. Less than 7 weeks after receiving my card, I received a call from Discover card telling me to check my email and to respond to their request for the release of my 1040. ( see attached ) Shocked, I demanded to know why?! They claimed they saw unusual activity on my account. I hung up and called the number on the back of my card. I was then informed that my card had been put on a temporary hold until I complied and if I chose to not comply, my card would be closed in 2 weeks. Reason given : unusual activity. What in the world was going on? I was also locked out of reviewing my own account activity! My heart raced like never before! They said I had agreed to the use of this action per their user agreement. I could not argue as I did not read all '20 pages ' of it. I hung up and called Discover Bank where I have held a large account for over 8 years. I begged their assistance. They agreed this was disturbing but failed to intervene. What was happening to me? In total panic, I contacted the agency that monitors my credit activity fearing I may be a victim of identity theft. NO unusual activity. What is going on?! I am a senior citizen with pristine credit. I've never missed a bill in my life! Are they randomly targeting seniors? I am NOT complying with Discover 's demands. In fact, I immediately closed the card. I have also closed my account at Discover Bank after they failed to intervene on their own product. 4 days after closing both accounts, I CONTINUE to get emails from Discover continuing to ask me to release my 1040! ( See attached ) They have no right nor reason to be demanding this very personal information. Please investigate this as it is clearly predatory activity. Thank you. I look forward to your reply.
11/21/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IA
  • 50322
Web Older American
First, I would like to say I pay my bills and on time. Discover credit card did not credit my account when items were returned to the store XXXX. Discover lead me to believe they were investigating the dispute when the real truth was when the items were returned to XXXX, XXXX issued the credit back to my account but in return Discover reversed it back when I got my statement and saw that it was for a few cents more favor being on XXXX when I finally found out the real truth that Discover had been lying to me all this time racking up late fees on my account when my account was paid in full. When I found out the real truth I filed a lawsuit against Discover and they closed both my cards. When I filed the lawsuit against Discover I also in returned filed against the other two creditors because they too had a XXXX balance and it was their responsibility to have corrected their mistake and did not. After Discover did this to my accounts I had creditors that I had been with for years to close my accounts So with all the damages that Discover did to me it has brought my credit score way down not to mention all the time and money to get this corrected. The lawyer stated he could not believe Discover did this. Now I will have to file in federal court against Discover but now Discover dismissed it to a third party but still showing on my credit report as being unpaid. credit score. When Discover found out I had filed the lawsuit against them they closed both of my accounts however before closing the one that should have had a XXXX balance they kept showing an unpaid balance and in return I believe made two other creditors follow suit in Discovers wrong doings. XXXX XXXX account was paid in full and they too kept showing late fees and this was Comunity banks wrong doing when I paid my account in full their own employee took one number incorrectly from my bank account which in return showed my account not paid but it was their late fees which did this. One of the three creditors I filed against in court paid me before going to court and we both came to terms and settled. The other two Discover and the XXXX creditor closed accounts but still showing unpaid on my credit report. This information was also sent to all three credit reporting agencies along with all supporting documents to show what was done. I will have to sue them in federal courts not sure when I will have the time to file. Sincerely, XXXX XXXX
07/25/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NY
  • 132XX
Web
My complaint involves a charge for {$39.00} posted to my DiscoverCard account by XXXX on XX/XX/XXXX. When I noticed it on my monthly statement for XX/XX/XXXX - XXXX XXXX XXXX, I expeditiously complained to Discover, which rescinded the charge and asked the merchant for an explanation. The merchant claimed it what for a yearly membership in a free-shipping club -- a service ( which I told Discover ) I did not authorize and never used. And a service that I would not want or willingly agree to. On XX/XX/XXXX Discover reversed the charge as a " temporary credit pending investigation. '' On XX/XX/XXXX Discover put back the {$39.00} charge, and posted it as a " reversal of temporary credit. '' After I complained again, Discover reversed the charge on XX/XX/XXXX as " an adjustment to your account. '' But on XX/XX/XXXX Discover put the {$39.00} change back again, as a " repost of disputed transaction. '' I again disputed the charge but Discover claimed the charge was " valid '' and refused to provide a specific justification or explanation for that finding : no transcript, no documents. The credit card company believes the merchant but provides no evidence or explanation about why it believes the merchant or otherwise finds the charge " valid. '' The fact of the matter is, I did not purchase or authorize such a membership -- it is something I would not do. XXXX sells running shoes ; I am not a runner, and am not a regular online purchaser of shoes ( though I have ordered shoes from XXXX XXXX XXXX ). I apparently did order shoes once from XXXX, for my daughter for her birthday or maybe XXXX, but that was over a year ago, and I did not join a free-shipping club. Discover did not provide any evidence that I did join such a club -- an event that would have been fraudulent on XXXX 's part. Discover and/or the merchant claims that I joined a free-shipping club with an automatic renewal. As I said, I would not have done this -- I never choose automatic renewals on anything : not on magazines, not on charitable contributions, not on memberships in professional societies. My complaint is against Discover, with which I do about $ XXXX business every month, and which I expect to protect me against mistaken or fraudulent charges. Discover makes rulings -- perhaps because XXXX gives them much more business than I do -- but does not provide me with a fair opportunity to object to a charge that I never consciously authorized.
06/30/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • WA
  • 98366
Web Older American, Servicemember
Our Discover card was used fraudulently last summer. We contacted them immediately and let them know that we had this problem and that the person who did it also changed all our online log in information. Discover card let them change it. They said the person who called had our information and Discover card let them change all contact information except for being in our name and our address. The person spent all the money in a 3-day period. I first put a freeze on the account. The person who was stealing the funds took the freeze off. I then called Discover card and was told that they would investigate tithe told me we should freeze our credit since it appeared my husbands identity had been stolen. When asked what else we should do they said that was it. On XX/XX/2019 they sent a letter saying it was not fraud, they knew it was us and that we had to pay. We called again. Kept asking for a supervisor or someone who could make a decision. We were continuously put on hold and then told there was no one for us to speak with and that we had to pay. They then asked if we had called the police in XXXX. I said no, that was never suggested when we asked what we should do. They then said that because we did not call the police, they would not help us and we had to pay. They sent another letter XX/XX/2019 stating it was not fraud and we had to pay. We called again and requested to speak with the highest supervisor or decision maker. They said they would pass us along and promptly disconnected us. They sent another letter XX/XX/2019 saying that they would not help us. During this time they would call us every day to threaten us with collections. When I would explain why we would not be paying they promised to find someone who could help us but of course did not. I finally told them that if they called again I would turn them in for harassment. The calls finally stopped. In XXXX we asked our attorney to get involved. He wrote a letter demanding a response within 15 days. Nothing was ever received. Our attorney recently gave us information on how to get in contact with CFPB to help with this matter. We canceled the credit card last fall and will never use Discover card again. We pay all our balances monthly and never carried a balance with Discover card. They refused to see that we are not the kind of people who do not pay their bills or look at our 20-year history with Discover card. And they are ruining our credit score.
08/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 349XX
Web
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. Enclosures : a. Identity Theft Report b. List of Fraudulent Accounts on my Report c. FCRA Sections 605,609,6011 d. Proof of Identity To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent accounts opened without my consent. I did not open these accounts, nor did I give anyone authorization to do so. I am requesting that the accounts are removed and blocked. I am distressed that you have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The attached information therefore needs to be investigated. I respectfully request to be provided with proof of these alleged items, specifically the contract, note or other instrument bearing my wet signature.
01/27/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • GA
  • 306XX
Web
This complaint is against Discover card, I was with this company for 24 yrs until this year when I closed my account due to them insisting that I pay for unauthorized charges that were made on my account. Back in XXXX, I added my son as an authorized user on my Discover card. In XX/XX/XXXX I noticed that there were several charges that were on the account that I didn't recognize asked my authorized user they stated that they didn't make the charges. I called Discover and filed a dispute claim around XX/XX/XXXX. The billing dept. issued credit and then the case was turned over to the fraud dept and they added the charges back on the account. They refused to investigate the seven charges that I asked them to investigate. This problem went on for ten months until I called the merchants myself and investigated the charges and found out that someone else had stolen my account number and made the charges. In XX/XX/XXXX, I sent Discover a letter stating what I owed them and I paid them in full and they agreed and sent me a refund check for {$170.00}. I froze my account in XX/XX/XXXX and removed the authorized user. Discover continued to let charges post to my account after freezing the account and removing the authorized user they let this go on all the way up to XX/XX/XXXX. They informed me back in XXXX that it was because of recurring merchants I asked to please remove all recurring merchants until I can get the matter resolved with the fraud charges. They dropped the ball and continue to let fraud charges be charged to my account. I am XXXX and XXXX XXXX with XXXX XXXX XXXX and Discover has caused my XXXX XXXX XXXX XXXX in the XXXX 's. I paid them and a year later they have come back and added all of the fraud charges and want me to pay them {$720.00} I do not owe discover anything. They owe me {$240.00} from XXXX XXXX a charge that they let post to my account while it was frozen no one else could make charges to my account. I need a lawyer to sue Discover because I've filed complaints with the XXXX and the Consumer Financial Protection Bureau and Discover is determined that I'm going to pay them for something that I didn't buy or receive. I had two accounts with them one account that I had for 24yrs and the other one for about 10yrs I closed both of them and never want to hear of Discover. I am XXXX and I can no longer continue to deal with this company. I want my {$240.00} and to never hear from them again..
02/18/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Credit card company forcing arbitration
  • FL
  • 335XX
Web Servicemember
I had multiple identity theft incidents against me with my discover card. People who were supposed to be helping me in home were using my credit card without me knowing on multiple occasions. When I addressed the situation with discover they informed me I was not liable for the chargers due to identity theft, then they applied all the charges ( some double ) onto my account and now Im paying for it when I was not the one responsible - I still had access to my card and had no knowledge that these people were using my card or hacked my XXXX XXXX until I called to make a payment and realized my balance was ridiculously high. My new card was part of my XXXX XXXX, to which was stolen by these people who I had informed discover if there information - the fraud began at the middle-end of XXXX, I do not have an exact date. This has caused a significant problem with my credit score/ report - discover claimed they would remove all chargers that I was not liable for at all. I had informed them of all the charges that were mine inbetween the times my card was being used - I obviously had no knowledge of the other charges, had I known my card was being used I would have fixed the issue faster. They continue to post an outstanding balance that Im not liable for - Im continuing to pay them and have not been late. I requested they remove these charges and still they are showing. I know which charges in responsible for and have no problem paying my way, but it is unfair and discriminating to say Im responsible for something I know I didnt do and charges I know I didnt make. I need my credit report updated without the charges in my discover account & my discover account to be put back into good standing without issues and the credit company going based off their own agenda. It is unfair and emotionally stressful dealing with fraud and other identity theft incidences, this account and company has caused me significant mental stress and anxiety. I am XXXX and need help with this issue and resolving this account. Putting it back in positive standing, and the charges I disputed to be removed. These people who have stolen from me, on multiple accounts, are professionals, they stole my social, ID, cell phone & lots of personal files and property. I need this resolved as soon as possible, Im having problems with my credit report and score because of this and its causing me tremendous stress and problems financially within my life.
03/30/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MA
  • 01752
Web
In the beginning ofXX/XX/XXXX I Purchased a cell phone from XXXX by buyer name XXXX XXXX I took over a week for me to get this item yes actually we sell the item out. And it took me over a month to try to get it activated and it was not possible, I went to XXXX store several times and called customer service several times as well as the manufacture of the phone which is algae. The manufacture told me it wasnt possible to activate the phone because it was an event in this cut from this country. I contacted XXXX but it was past the 30 days so they couldnt do anything so I called XXXX for a refund the seller was giving him and me a hard time as two he wouldnt respond to me and stop replying back to XXXX. Before he stop replying to XXXX he told them to us that he wants the phone back and then I will get my refund I told him if he pays the shipping which he did not want to do. From then XXXX told me to call Discover card which is my card that I paid the transaction. On XX/XX/XXXX a dispute was made and they refunded me the money back temporarily then In XX/XX/XXXXthey told me that they didnt get the item I had to send the item out when XXXX had told me I could keep it prior to that. So from there I had to go to the post office in XX/XX/XXXX so I cant send the item out answers and I also sent out proof with pictures with a picture of the package in the postal package and also the receipt of postal with the tracking number. In XX/XX/XXXX or XX/XX/XXXX I received a notification that the amount owed to me was reversed When I had already uploaded all documentation. They reopened the dispute reimbursed me the credit again and then now today on XX/XX/XXXX I received an email saying that the dispute was closed for the second or third time and that the seller is saying that theyre still saying that they did not get the item when I uploaded proof that I sent out the item to the post office and I also sent out the post office receipt with the trackingNow discovered never informed me that I needed to go to the post office to pick up a form stating that this item was delivered all of these months later they telling me this now. When all of this started I told him in the beginning that the seller would do this I told him that the seller would try to keep my money and also keep the item which is the cell phone and hes getting away with it this is an OK hes not going to keep my money in Discover is not doing anything further
07/22/2021 Yes
  • Debt collection
  • Private student loan debt
  • Communication tactics
  • Frequent or repeated calls
  • NH
  • 031XX
Web
I have private student loans with Discover Student Loans. I misread my statement and thought that my payments weren't due until XXXX when I was initially notified. Unfortunately, for the past two months I have been severely inundated starting a new job, having significant health insurance barriers, preparing to testify as a victim of XXXX XXXX in an upcoming trial and working with the XXXX rights group in my state to file a state and federal complaint against a doctor who was abusive and discriminatory towards me. I have been receiving no less than FIVE phone calls per day from Discover - DAILY - about my bill that is not even one month late. I have outreached them 3 times this week alone to STOP calling me because I would be calling tonight XX/XX/21 at XXXX XXXX EST. The continue to call me. I blocked their number and told them to notate on my account that I had to block their number because of their absolutely predatory and harassing behavior. This has been an enormous disruption of epic proportions to my work as well as my personal life. I JUST GRADUATED IN XXXX. I will absolutely be having these loans subsidized or refinanced or bought out by literally ANY other agency because this is not the first time that Discover has done this to me. EVERY time I have a late payment - which happens for absolutely legitimate reasons - they harass me AND the co-signer this way. This is so far beyond unacceptable and I have reached out to legal counsel about this matter. I don't have time to be calling them and filing complaints all XXXX day while I'm trying to work - this job is what will be paying their stupid loan bill so you would think that they would use an OUNCE of discretion in helping to preserve that. I have never been so outraged in my life. I have medical bills in collections for 3 separate agencies and even THEY don't call me more than 1-4 times PER MONTH! Furthermore, I was forced/threatened by the co-signer into signing these loans as a young adult so to have them repeatedly harassing me then harassing the co-signer who then ALSO harasses me is horribly triggering for my XXXX symptoms and is violating. This is the most disgusting debt collection behavior I have ever dealt with and I absolutely will not continue to tolerate it. We are still in a pandemic. I had to work 3 jobs and a full-time XXXX just to pay a REDUCED loan rate with them while I tried to finish XXXX XXXX. They are absolutely abusive.
08/07/2016 Yes
  • Credit card
  • Balance transfer
  • IL
  • 60090
Web
Dear Sir or Madam, I am having a huge issue with my Discover Credit Card. I have been a member since XXXX with outstanding credit and never missed a payment. I changed credit cards and during the transfer process Discover Card is billing me twice for the XXXX XXXX statement. They included the transfer balance of {$1000.00} on the XXXX XXXX Statement and showed that I paid it on XXXX XXXX, XXXX but also included it as purchases so they are billing me again for the balance of {$1000.00} on the XXXX Statement thus inflating the XXXX Statement to a {$1800.00} balance. Since I discovered the issue ( which was right away as soon as I got the statement ), I have spoken to XXXX different people including XXXX supervisors who all claim that they see the issue and they will fix it. Guess what? No one has fixed anything. My balance is still inflated with a statement due in a couple of weeks with the wrong balance. Not to mention that I am shopping for a property and my credit is pulled by lenders who see a wrong inflated balance. I am beyond frustrated with Discover Card, a company I thought was professional and had good controls regarding balance transfers. Every time I called, it was the same process. The main contact would transfer me to billing ( after keeping me on the phone for about 30 minutes ), then the billing admin would transfer me to a supervisor who would tell me after 45 minutes that they will need to further investigate. How much further investigation is necessary for a credit card leader such as Discover? I am a XXXX and to me it is very obvious : beginning balance + purchases - payments = the balance that I owe for the XXXX statement. However, Discover thinks the following formula is true : beginning balance + purchases - payments + purchases again = ending balance. I really hope you can help me at this point because I really do not know what to do. Maybe actually showing up at their billing center and fixing the problem myself might be best? Please call or mail them a letter. They need to go ahead and not rob me of {$1000.00}. I am a single mom and am on a tight budget. This is what I call - taking advantage of the customer and I really do not appreciate it. Please call me with any questions as far as if you need further details about my situation. My name is XXXX XXXX and my phone number is XXXX. Thank you for you help. I hope your organization will actually do their job unlike Discover Card.
04/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 185XX
Web
To Whom It May Concern, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) and other related regulations. I believe that DISCOVER FINANCIAL SERVICES has engaged in a number of illegal and unethical practices in its attempts to collect on alleged debts that I do not owe. Specifically, I believe that DISCOVER FINANCIAL SERVICES has violated the FDCPA by : 1. Threatening to harm my reputation and creditworthiness : On XXXX XXXX, I received a call from DISCOVER FINANCIAL SERVICES in which they threatened to report the alleged debt to credit reporting agencies and to take legal action against me if I did not pay immediately. This is a violation of the FDCPA, which prohibits debt collectors from making false or misleading statements and from threatening to take actions that they can not legally take. 2. Furnishing deceptive information since XXXX, I received a letter from DISCOVER FINANCIAL SERVICES that contained false and misleading information about the alleged debt. The letter did not clearly identify the creditor or the amount of the debt, and it did not provide any evidence to support the validity of the debt. This is a violation of the FDCPA, which requires debt collectors to provide consumers with accurate and truthful information about their debts. 3. Calling, annoying, harassing, and abusing my privacy : DISCOVER FINANCIAL SERVICES has repeatedly called me at all hours of the day and night, even after I have requested that they stop calling me.By sending them a cease and desist They have also used aggressive and threatening language, and have made false and misleading statements in an attempt to pressure me into paying the alleged debt. This is a violation of the FDCPA, which prohibits debt collectors from engaging in harassment or abuse, and from calling consumers at times or in ways that are known to be inconvenient. I request that the CFPB investigate these violations and take appropriate action against DISCOVER FINANCIAL SERVICES to ensure that they are held accountable for their illegal and unethical practices. I also request that any negative marks on my credit report related to this alleged debt be removed, and that I receive compensation for any damages or expenses that I have incurred as a result of 's actions. Thank for your attention to this matter. Sincerely, XXXX XXXX XXXX
04/06/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NJ
  • 07032
Web
To Discover, XXXX, XXXX, XXXX, & NJ Attorney General A discover credit card was fraudulently opened in my name in XXXX, XXXX. In XXXX, XXXX I reached out to discover to inform them of this matter once I seen it on my XXXX credit report, they agreed to close the account. XXXX, XXXX, & XXXX removed the fraudulent account from my credit report however, this month it illegally reappeared on my credit report although the account was closed in XXXX due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I submitted this report to FTC and CFPB. Someone please reach out to me so we can handle this illegal issue soon because I will soon be reaching out to my lawyer.By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. Discover account ending in XXXX. Closed XX/XX/XXXX. Also, the account is inaccurately reporting that it was closed in XXXX, XXXX which is also illegal. This account was closed in XXXX with a {$0.00} balance. All of a sudden the account is reappearing 6 months later with a balance of {$2300.00} which is false. This account was paid off at closing. I have 2 other accounts with Discover in which I opened myself 4 years ago and I was making payments to this account as well which I was unaware of. Every time I submitted a payment, I was also paying off this account, unaware that I was paying a 3rd account. This account was paid off at closing on XX/XX/XXXX. That also need to be corrected. This whole account is inaccurate in many different ways which is illegal. I will not submit anymore payments to this illegal account and I need it removed from my credit profiles and investigated individually by each credit bureau and the Attorney General immediately. I also need the date of closing corrected to XX/XX/XXXX with a {$0.00} balance. I have not received a statement for this account since XXXX. All of a sudden a statement appeared in XXXX with {$2300.00}. I do not want to receive anymore statements for this account. I do not want to be harassed by Discover regarding this account. They keep accusing me of opening the account after I continuously tell them that I did not open this 3rd account. I have made multiple payments to this account although I continuously tell them I did not open it. I have been told that this Is illegal and I will no longer pay them. I will handle this legally. Thank you.
10/25/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • OR
  • 973XX
Web
I was affected by the XXXX pandemic, starting a new job, and my husband was laid off. I missed two payments on my discover account. I contacted them on a recorded line and explained my situation, and told them I wanted to make things right with them. I owed a lot. The gentleman I talked to set me up on a payment plan but told me with the payment plan, I still would get a late payment ding on my credit. I told him I really didn't want another ding on my credit report and asked him what I needed to do to assure I was current and not past due. He told me the amounts I needed to pay and by what date I needed to pay them. I paid every last dime I had to make my account current ; I contacted discover again and talked with another agent, and they assured me again I was current and wouldn't get another ding on my credit report. BUT they didn't take me off the payment plan. So it still dinged my credit report again as late. I then contacted them and asked if they would please listen to the recorded call as I did everything the representative said to do to make things right. They told me they would do an investigation and get back in touch with me.. Which they never did. I have reached out multiple times. They also FROZE my account after they marked it as late. Then said they would do quarterly, I believe? Checks to see if my account could be un-froze. I just recently am in the process of buying a new home and paid close to {$4500.00} towards this card to get my credit even better. Last week I chatted with my mortgage lender, and everything was looking good. Then Friday, I got a notification from XXXX that they had closed my discover account. I let this go for the past couple of years with my account closed because I really wasn't planning on using the card. I was just all about trying to fix my credit since it got so destroyed after this whole pandemic thing, and now discover is completely ignoring my requests to check the phone recordings to confirm that I did indeed do as they told me to do. I have been a customer with them since 2015. Since the pandemic I haven't missed ONE payment. I have paid every month on time. I had a {$9500.00} credit limit with them. This has made a huge impact on my credit, and I am very unhappy with my experience with them. By doing what they said to do, I am now paying the price with dings on my credit even worse than if I wouldn't have cut myself short and just did the payment plan.
01/01/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 10011
Web
I filed a complaint with The CFPB after unsuccessfully trying to get Discover to honor their promise not to hold customers responsible for unauthorized charges. I had {$12000.00} in unauthorized charges that discover refused to protect me as they promise. Our took me about 18 months of back amd forth struggles with them. When I finallly went to the CFPB I won XXXX discover finally refunded my money. They were so angry that they lost that in retaliation they said they were closing both of my discovery credit cards. They claim that it was a business decision but that could not be the case because I was am excellent customer for almost 40 years. Discover was my first card when I was XXXX. I always paid on time and spent over {$100000.00} in the prior year. Closing the accounts of a customer like me was a very very bad business decision. I was told that it was XXXX himself, the CEO, who decided to be so spiteful and retaliate against me for exercising my rights and filing a complaint with CFPB. The problem for me is that this account is the account that Ive had the longest and it supports my credit score significantly. If the account is closed, my credit score will drop almost 100 points. I have been paying the final balance on my card the minimum amount for the past eight months or so to keep the account from being closed because of that Ive been paying a lot of interest. Eight months or so to keep the account from being closed because of that Ive been paying a lot of interest I believe it is unethical, immoral, and unfair, that I am being persecuted and penalized for exercising my rights and I request that my accounts be reinstated, because closing it for no good reason, except for spite, has a defamatory affect on my credit score. I dont think the shareholders of Discover would be very pleased to hear that XXXX was so petty he closes the account of it, XXXX of his best customers simply for spite. I dont think the shareholders of Discover would be very pleased to hear that XXXX was so petty that he closed the accounts of it, one of his best customers who had been a loyal member for almost 40 years simply for spite. I will appeal to the rest of the board into the shareholders directly if my accounts are not reinstated as they were in good standing thank you. I will appeal to the rest of the board into the shareholders directly if my accounts are not reinstated as they were in good standing thank you
11/14/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Cashing a check
  • IL
  • 628XX
Web
This is additional information I want added to my current complaints # XXXX, XXXX and XXXX against XXXX XXXX XXXX aka XXXX and Discover Bank XXXX! Not only did they steal {$25.00} fraudulently from my Discover checking account under the name of XXXX XXXX XXXX on XX/XX/XXXX for a NSF fee on a check that was NEVER a NSF, it was paid on the second attempt when XXXX XXXX, XXXX XXXX XXXX XXXX, presented it a second time, then a week later XXXX steals this {$25.00} from my checking account!!! On top of these two and the company working together to commit fraud and steal from customers, they then flat out LIED to the CFPB and Discover Bank!!! They told the CFPB they did not receive this fee and had resolved all on their end, LIARS AND THIEVES!! Then when I saw it had been taken from my account, after the CFPB gave me this response they gave them, I filed a dispute with my bank Discover Bank which I had to contact corporate over and file a complaint to get done, then XXXX their investigator, allowed them to keep the funds claiming it was legitimate after she ignored two of my phone calls and then sent me a short note stating this!!!!! All of the banks are in cohoots allowing this illegal activity!!! Then I get the report from XXXX showing a list of checks that were paid when I wrote them in the past that were NEVER NSF 's either along with them showing a resolve on a check ( # XXXX for {$30.00} to XXXX XXXX XXXX on XX/XX/XXXX ) that was NEVER a NSF, this is the one I am disputing with this claim and also showing on XX/XX/XXXX XXXX # XXXX ( which was never even used, as I always prepay my gas and they declined the check at XXXX XXXX XXXX in XXXX IL that day and they show this duplicated and not authorized claimant with a code 5 which means possible bad check and I had plenty of money in my account and had no bad checks out nor had I had any!!!!! ) I want all of these removed from my report now and I want all of this information handed over to your investigators and the FTC for prosecution, these idiots NEVER learn they were just fined billions a couple of years ago by the FTC for the same!!! I am also contacting a lawyer about all!!! I also want my {$25.00} they stole from my checking account reversed by Discover or they will be included in the lawsuit. I also want the FDIC notified of all. I have already filed a complaint with the FTC and will contact the FDIC myself tonight too!!!! Shut these crooks down!!!
03/05/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • TX
  • 77301
Web
Discover card took money from me and is holding my money unlawfully. I have a secured credit card with them with a credit line of {$400.00}. On XX/XX/XXXX, I called and requested a credit limit increase to {$1000.00}. The person on the line let me know I needed to put up the additional {$600.00} since it is secured. On XX/XX/XXXX, the {$600.00} was taken from my bank account. On XX/XX/XXXX, I received an email from Discover saying they had increased my credit limit to {$600.00}. I immediately called and explained I requested the credit limit to be {$1000.00}, not {$600.00} and explained the additional {$600.00} has cleared my bank account. They tell me they only see a request for a {$200.00} increase. I let them know this needs to be fixed or refund me the {$400.00}. I spent over an hour on the phone. I spoke with one Tier 1 agent and 3 supervisors. The 1st supervisor called the bank on the line with me and the bank told them the {$600.00} had cleared. This supervisor tells me since a different department handles the credit limit increases then she has to forward my issue to them to research and that can take 48 hrs. I asked her what is there to research when we just called the bank and verified {$600.00} was indeed taken and not {$200.00}. She said that's the way that department handles it. They have to do their own verification. I asked to speak with that supervisor. So I was connected to supervisor # 2. She tells me there is nothing they can do except call me back in 48 hrs. I told her this is unacceptable since the 1st supervisor already verified with the bank. I also let them know there should be a recorded call from XX/XX/26 because the girl on that day read a script and asked did I agree to the {$600.00}. She was inflexible and kept repeating that she can do nothing further as she has to research it. I asked for a supervisor above her. She connected me to supervisor # 3 who said he is the highest in the executive office. I let him know my attorney will be contacting them. He said the issue still needs to be researched. I asked him to explain what they are researching. He said they need to know what happened and why it happened. I let him know " what happened and why '' is irrelevant to me. Discover already has my {$600.00} and is refusing to increase my limit. He provided me an email address to send written authorization to speak with my attorney about my account. This issue remains unresolved.
12/05/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 326XX
Web Older American
PLEASE CALL MR. XXXX XXXX at THE EXECUTIVE OFFICE OF CUSTOMER ADVOCACY OF DISCOVER CARD ( XXXX ) XXXX as he knows my previous complaint about the same matter COMPLAINT ID XXXX filed on XX/XX/2019. The complaint was resolved successfully because Mr. XXXX removed the account debt from XXXX XXXX XXXX back to Discover Card at its original Dollar Value. I bought a Cashier 's Check of {$3200.00} to pay the debt and mailed it on XX/XX/2019. I have been in contact with XXXX at XXXX to find if my check arrived which it did on XX/XX/2019 and I was told by XXXX that she also received a check of {$6600.00} from LaVrar THE COLLECTION AGENCY but no problem because Discover Card will collect the debt and the remainder will be refunded to me. The remainder is {$6600.00} but I imagine Discover had to deposit both checks to collect all the monies and THEN ISSUE A SOLE CHECK FOR ME. I have been waiting for the check and I have been calling Shontae at XXXX but the recording says there is noone at the office PLEASE CALL BACK LATER. I called the customer service phone and a Manager COULD SEE A CHECK NUMBER IS GOING TO BE ISSUED but from where she was she could not see FOR HOW MUCH OR WHOSE NAME. I did not sleep the whole night at all THINKING! Not only me but also The XXXX XXXX have asked XXXX to mail back a check for {$6600.00} to XXXX XXXX XXXX to place the funds back in Escrow. The Title Company forced me to sign AGAINST MY WILL ( I have emails to prove it ) The Stipulation to pay LaVrar under threat my debt would go up to include Court Costs and others only to find XX/XX/2019 that my complaint was approved so I could pay Discover Card the lesser amount owed. The response of XXXX to my complaint ( dated XX/XX/2019 ) reads as follows : " XXXX HAS NO ACCESS TO THIS ACCOUNT BECAUSE THE DEBT HAS BEEN RETURNED TO DISCOVER ''. COMPLAINT ID XXXX QUESTION : Why did XXXX send the full {$6600.00} to Discover? Why not send it to The XXXX XXXX? Why not brake the monies and pay my Debt to Discover and The remainder send it to The XXXX XXXX? Wasn't it THAT XXXX HAS NO ACCESS TO THIS ACCOUNT???? I smell a big fish here. I think LaVrar wants to collect from the check from XXXX a fee and The Managers at XXXX DO NOT KNOW WHAT TO DO BECAUSE THEY HAVE NO ACCESS TO THE PREVIOUS HISTORY OF THE PROBLEM AS Mr. XXXX XXXX. I trust he will resolve wisely like he did in my first complaint. Please call him ASAP before you make a mistake. Thanks.
10/20/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • IL
  • 60564
Web
In XXXX I opened an account with Discover. During the duration of being an account holder have had a good customer experience, even opened a checking account with this company. However, on XXXX XXXX Discover sent me an email requesting that I complete IRS form 4506-C to provide consent for them to retrieve my tax documents to verify my identity. When received the email my first reaction was to contact the number on the back of my Discover card to find out if the email was legit or a scam. Per speaking to a representative was told that the consumer protection department is handling my account and that this request is part of an internal audit they do. I was also told if didn't file taxes then to let them know, so could verify my idenity another way. The problem is everytime I make a payment that pays down my balance significantly Discover 's consumer protection department places a hold on my account and says they have to verify my identity. Discover has verified my identity, as well as income, when I opened my account, and each time they've previously requested additional information over the two year duration I have had my account. They even verified my graduation date, as my account was originally a student account. Discover 's practice of requesting customers to consent to them reviewing tax documents raises questions about the legality of the request, as well as, if this practice is discriminatory. Therefore, I will NOT be completing IRS form 4506-C to Discover as do not consent to them reviewing my tax documents. On XX/XX/XXXX contacted Discover to notify will not be completing IRS form 4506-C, and the only consent give is for them to close my accounts if they deem it necessary. When contacted Discover per their representative XXXX in Delaware would have to contact the department directly. I asked her just to transfer my message internally to the department and she stated she was not able to do that. If this is a legit request why can't Discover representatives contact this department to notify of a consumers refufusal to complete the requested form? Have credit cards with other companies and they have never asked for consent to review my tax records. As previously stated, " Discover 's practice of requesting customers to consent to them reviewing tax documents raises questions about the legality of the request, as well as, if this practice is discriminatory and needs to be fully investigated. ''
08/16/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CO
  • 80501
Web
Sadly due to the downturn in the ecomony and loss of job we fell behind on our Discover card. Discover wrote the debt off as a write off. This XXXX we received a summons to respond to a court filing about this debt. We were not given a case number and we were told in the paperwork not to show up to court but rather to file an answer. Of course the paperwork also asked us to resolve the debt if possible and the paperwork from this random collection agency also stated they would help us to resolve it. Along with these requests we informed the agency that we live in an area that does not received USPS mail and provided them with our mailing address. We had not received any communications from them prior to the lawsuit being filed. We attempted for 2 months to contect them using every option available. We called, we emailed, we submitted requests through their website, we faxed them, nothing. We did file an answer with the courts and asked for an extention so that we could work this out with them. We received nothing. That was until a wage garnishment happened. Now, we are stuck with a wage garnishment, and we are happy to pay off the debt, at this point we have no other choice, that is until we can obtain legal counsil and begin litigation. The amounts that they are garnishing us for is NOT being accuratly accounted for by the collection agency. In addition, I've asked to mailed a statement so we can understand why they are not appling the funds correctly. We are and have been prepared to pay this debt in full but they refuse to communite with us, nor will they respond to our requsts. Example - Starting Debt was {$9100.00} To Date Wage Garnishments - {$1500.00} Payment Directlty to them - {$5000.00} Total outstanding {$2600.00} Accounding to their website today it is {$3600.00} So again, missues to funds and not being applied to the account. In fact they have only applied the additional payment and have not applied any funds received via almost 2 months of wage garnishments. I log in to the account weekly, and update our mailing address, they the debt collector continue to change it back to our physical address. I have emailed, I have faxed, I have called them and they refuse to update our information nor will they send us information about this current debt to a location that we can receive it at. This has been going on for months and there appears to be no end in site. Please help us!!!
11/23/2022 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
  • NY
  • 10710
Web
Discover Bank services my student loan, this is continuation of my complaint filed on XX/XX/XXXX. Discover has remediated by account based on a Consent Order by the CFPB where they are identified as the Respondent. Respondent failed to take proper steps to identify the loan account as belonging to an Affected Consumer and remediate it under Consent Orders Consent Orders XXXX CFPB XXXX and XXXX until XX/XX/XXXX. On XX/XX/XXXX with a {$17.00} credit as a result the Respondent is operating in a space where they are out of their depth. Under the Consent Orders, Affected Consumers consumers potentially impacted by a Consent Order Violation means an act, or omission that was not in compliance with the XXXX Consent Order, while still effect or a Migration Issue means any student loan servicing error arising from the Migration impacted student loan borrowers or cosigners. Respondent is out of their depth with regard to : complying with Consent Orders XXXX CFPB XXXX and XXXX was already in violation of XXXX Consent Order. The Compliance Plan approved by the CFPB and implemented has failed as evidenced by their attempt to remediate this account almost two years after the XXXX Consent Order. I filed a CFPB complaint on XX/XX/XXXX regarding the increasing interest rate, no one offered help, alarming total payments made {$22000.00}, principal {$640000.00} and interest XXXX. I have made at close to more than144 payments since origination with XXXX and payment started late XXXX or XXXX. I recently paid {$2400.00} which I could not afford. Over the years, I had no access to how much I have already paid on the loan because Respondents representatives could not give that information when I asked. This was a XXXX because they did not want you to have access to information showing that you have overpaid the loan. Now, it appears on the statement. I have XXXX confidence that as a now identified Affected Consumer that they have serviced this account correctly. I am sinking my credit in attempt to get away from 15.125 %. At two years past the last Consent Order and violation, their approved Compliance plan did not work. I in no way should be made to be pay for the continued lack of the compliance and sill that they lack as evidenced in their continued failures in the student loan servicing field. I have zero confidence that as a now identified Affected Consumer that they have serviced this account correctly.
09/12/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 91042
Web
On XX/XX/2023 I purchased digital gaming goods from XXXX. I was given a 4 letter code through the statement of the charge to verify my purchase and be able to withdraw my digital items out of XXXX website. Upon trying to withdraw the items I found out I needed to wait an additional 5 days in order for my XXXX account to accept trades from XXXX. On the second day after purchasing the items I found out my account was banned on XXXX preventing me from attempting to withdraw what I paid for. I started a chat with their support team on XXXX and they proceeded to tell me I needed to verify my purchase by falsely claiming they were required by law to ask for my documentation ( ID, selfie with ID, and my card I used for the purchase ). I declined to give them my information so I asked them to issue me a refund on XX/XX/2023. I was then ignored for countless days with no help at all. I told them if they did not issue me a refund without me having to verify my documentation with them that I would file a dispute with my bank. I proceeded to file a claim with my bank where my bank decided to rule in the merchants favor stating the purchase was valid because they loaded funds to my account. I never loaded funds to my account, I clicked on the items and clicked the " Buy '' button where I was taken to a screen to input my bank information to make the purchase. My bank refused to open up the claim again with countless more evidence I provided them with why I still have not received what I paid for. My bank keeps telling me if I have anything in writing stating XXXX will offer me a refund they can help me. Wouldn't you think if I had something like that they would have already issued me a refund by now without the help of my bank. I also requested the refund 2-3 days after I made the purchase which falls in the 14 days XXXX offers refunds in their terms and service. I would also like to note that XXXX does not have anything in their refund policy stating they need to verify my documentation before issuing a refund. I believe my bank is failing to understand my issue and refusing to help me, their customer, get my money back for something I did not recieve. XXXX has since deleted every message I had with them on their website and have since stated my account will remain banned permanently and that I will not be able to withdraw what I paid for because I " falsely disputed '' against them which is not true at all.
01/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 11203
Web
I wanted to purchase a refrigerator from XXXX. Because I seen the refrigerator for {$600.00} less at XXXX, I contacted XXXX, and asked them if they do price matching. The XXXX agent told me yes. I also asked the agent if XXXX was also doing the 10 % off entire purchase promotion if the consumer purchased four XXXX XXXX from different departments. The XXXX agent also told me yes. The agent told me to make the purchase, and after the purchase was made, contact XXXX and theyll assist me with the price match. So I went and purchased the refrigerator from XXXX, as I was instructed. When I contacted XXXX with the the proof that XXXX was selling the same exact refrigerator for {$600.00} less, XXXX refused to honor the price match. In order to make it appear as if they was giving me the price match, XXXX told me that the price was substantially lower due to the 10 % off of the entire order. Such response from XXXX wasnt a valid defense because at XXXX I would have STILL received that SAME EXACT 10 % discount off of my entire order, and the refrigerator would have STILL been {$600.00} cheaper. When I contacted Discover to dispute the charge, although I provided them evidence to support my claim, they refused to uphold the dispute. I received two responses from Discover, one response when I called them ; and one via mail. Over the phone, I was told that Discover couldnt honor the dispute because although XXXX did tell me that they were gon na price match, they never agreed to a specific dollar amount. Thats ridiculous because XXXX told me that they price matched, they didnt tell me that they price matched with certain conditions. What does it matter what the dollar amount is, either they price match or they dont, and they promised me that they were gon na price match. The second response I received via mail had literally nothing to do with my claim. XXXX responded to the dispute by confirming that they did deliver my refrigerator, and that they did replace it with a different one because the first one they sent me was broken. I dont quite understand such response, as I never contested receiving or not receiving the refrigerator. XXXX sent me {$200.00} for keeping the refrigerator, but I never told them that I agreed with such resolution. Such {$200.00} for the inconvenience, doesnt resolve not honoring the price match that they promised me. I am disputing {$600.00} that I was defrauded out of.
08/31/2016 Yes
  • Credit card
  • Billing disputes
  • NM
  • XXXXX
Web Older American, Servicemember
On XXXX/XXXX/2016, I purchased a XXXX XXXX Desktop Hard Drive from XXXX. After trying a number of procedures suggested by both XXXX ( the manufacturer 's support website ) and XXXX ( the manufacturer of the computer into which Hard Drive was to be installed ) including purchasing XXXX more cables to 'piggy-back ' unit into my existing Hard Drive, and not achieving any results, XXXX suggested I RETURN the hard drive to XXXX , the merchant from whom I had purchased it. I called XXXX customer service and was assured they would send me a return label and I would get a replacement unit. XXXX NEVER mailed me such label, or a replacement unit, or issued a refund for {$84.00} ( price of unit and shipping ). I then contacted my Credit Card XXXX, DISCOVER, and filed a billing dispute XXXX, Case No. XXXX. On XXXX XXXX, 2016, I received correspondence from DISCOVER CARD, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, saying they were closing the dispute as " the transaction appears to be valid! ". Furious, I called DISCOVER CARD at their toll free number XXXX, and attempted to have their customer service reps address a number of issues. The first call got me thru " XXXX '' / '' XXXX '' who was flip, condescending and refused to put me through a GENUINE SUPERVISOR who could address the issue. He finally hung up on me while he had me wait for such a supervisor. I called back at the same number, and also got their Ohio Call Center once more, only this time I spoke with a " XXXX '' who made believe he could not hear me and finally hung up on me. DISCOVER CARD has been totally irresponsive, arbitrary, capricious, and outrageously callous. I 'm a XXXX year old XXXX XXXX Veteran living on a fixed income and {$84.00} for a XXXX LB PAPERWEIGHT which I was expecting to use as a Hard Drive in my desk top computer may seem trivial and petty to both XXXX and DISCOVER CARD, but for me it represents SUBSTANTIAL LOSS for something I 'll never be able to use as intended. I would like DISCOVER CARD to use their CORPORATE MUSCLE and force BESTBUY to send me a replacement WORKING UNIT, and a return label with which to return the defective unit, OR issue a CHARGEBACK to XXXX for selling non-working electronic parts and refusing to stand behind them through either replacement or credit for price paid. I have CLOSED OUT MY ACCOUNT with DISCOVER CARD after the very unpleasant experience, after paying them off in full on XXXX XXXX 2016.
05/14/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NC
  • 27405
Web
On XX/XX/XXXX, I signed a contract with XXXX XXXX XXXX in XXXX XXXX, NC to use their venue located at XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX for my XX/XX/XXXX wedding. At the time of the contact signing, I used my Discover card and charged a deposit of XXXX ( This was the first payment charged on my Discover Card dated XX/XX/XXXX ) subsequently I made three more payments on my card as follows : DATE AMOUNT XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX In early XX/XX/XXXX, I received notification that the company ( XXXX ) had filed for bankruptcy and closed their locations permanently. After receiving this information, I attempted to contact XXXX and was unsuccessful. I received communication from XXXX attorneys asking if I would consider using the venue if it was under new management, I agreed, but was later told that the company was unable to find another owner and would remain closed. I was also told that I would not receive a refund. At that time I contacted Discover and requested a dispute on the basis that I paid for a service that I could not use. I spoke with a representative and the dispute was initiated on XX/XX/XXXX. The representative told me that they would start the dispute and the company as a certain about of days to dispute the claim if they did not respond accordingly, I would receive a credit, in the meantime they offered me a temporary credit. On XX/XX/XXXX the credit was revoked, and I was told that I could not dispute it because the contract stated that there were no refunds. I pointed out the contract stated you could use another XXXX location if the consumer requested to cancel the event. I did not cancel my weeding, the location shut down. Then I was told that that the charges were to outdated for me to request a dispute. I replied that I contacted Discover as soon as I was made aware and had attempted to work things out with the business. Then I was told that they ( Discover ) could not fight the company themselves because they do not have anything that shows that I was entitled to any refund. I submitted a document from XXXX attorney that illustrated that I was due reimbursement. I have not heard anything from the company ( Discover ) since then. I have complied and produced everything that has been asked of me and I feel as if I have been getting the runaround from the credit card company. I think there should be some relief and protection for the customers.
06/14/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • FL
  • 33009
Web
I have a balance on the account comprising of two parts - one is part of a promotion with no interest until the date XXXX/XXXX/2019, and one whose promotional rate expired on XX/XX//2019. Since then, I have communicated with the bank by means of their secure messaging system trying to ascertain exactly what amounts I needed to pay to avoid further interest. I have been given several different and conflicting answers and none have addressed my concerns. In XXXX, I paid {$160.00}, which as the bank explained, was " the part of the balance subject to an interest charge '' in full. This would have meant no further interest, yet they charged an additional amount of {$2.00} on the XXXX statement and they now said that " the amount subject to interest is now {$120.00} ''. I got tired of the runaround and messaged them again asking what amount exactly I needed to pay by the next date to avoid further interest. On XXXX/XXXX/2019 they replied " Since the {$50.00} is accruing interest until it is paid off, your next billing statement would still show the interest that accrued on that portion of your balance up until the date you paid it. It would be a small amount, but you would still see interest. '' I expressed my intention to pay off the entire interest carrying amount and messaged them again, I asked directly " This is the same thing you told me last month about the {$160.00}. I paid that off and now this nonsense continues. What amount EXACTLY do I have to pay NOW to stop intrest accruing until XXXX/XXXX/2019? ". The bank replied " Your balance at the 22.24 % variable APR totals {$50.00} and your 0.00 % Balance transfer, expiring on XXXX/XXXX/2019, is {$3000.00}. The balance ( s ) disclosed is as of today and does not include interest, any pending charges and/or merchant refunds, and may not include other previous adjustments to your account balance. Keeping in mind how our payments are applied, I'd recommend you pay your minimum payment of {$63.00} plus the {$50.00} to help you avoid additional interest ''. I then paid as instructed a total of {$110.00}, and now on my new XXXX statement AGAIN I have interest and AGAIN I have a " balance subject to interest '' in the amount of {$34.00}. This bank is absolutely disorganized and haphazard and has no idea what they are doing, relying on some defective computer algorithms rather than common sense, and they have not been able to answer simple questions.
11/30/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • CA
  • 92691
Web
Last year in XX/XX/XXXXI talked with a DISCOVER agent regarding the DISCOVER IT Miles credit card. The DISCOVER agent made a clear and unambiguous promise to me that after a year of using this credit card, DISCOVER would match all the miles I earned automatically at the end of the first year. I was told that I just needed to open a DISCOVER IT Miles credit card to receive this benefit. Because of this benefit being offered, I chose DISCOVER IT Miles credit card over the competitors. I thought this was a great offer because I needed to earn points to fly and visit my family in Missouri. Consequently, I accepted this offer and starting using my DISCOVER IT Miles credit card for most of my purchases. I spent thousands of dollars in one years time in anticipation of receiving this doubling of miles. However, after a year, I noticed that the miles I earned were not matched by DISCOVER. In fact, when I called the customer service center and requested this issue to be resolved, I was told DISCOVER would not match anything because I was a previous DISCOVER card holder. I then requested the phone records and phone recording of my call so I could substantiate that I indeed was promised these terms by an agent of the company. In response, the supervisor told me that it was deleted and that DISCOVER does not keep records of any phone conversations after 6 months. The supervisor then went on to say that there is nothing he could do and implied that I should have known this because he heard this information on a DISCOVER commercial. I am sorry, this is unacceptable. I'm am simply requesting that the terms of our agreement be honored. I have been a loyal customer for 16 years since XX/XX/XXXX. I have attached the screen shot from the Discover website. The language states clearly on the front page that Well match all the MILES youve earned at the end of your first year, automatically. The website does not clearly and conspicuously state that existing customers will not be eligible. Furthermore, regarding the ( # 2 asterisk ) designation at the end of this paragraph, it is almost impossible to find. This is evidence of what was offered to me by a DISCOVER agent, that DISCOVER would match or double the miles of any user after using this credit card for 1 year. For all these reasons, I am requesting all the MILES Ive earned be matched as the DISCOVER agent presented to me. I look forward to hearing from you!
02/04/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • SC
  • 29730
Web
I had an open complaint with Discover for a charge of {$7900.00}. Discover is stating that the merchant validated the charge but I wasn't disputing the charge amount, I was stating that services weren't received for that charge. I uploaded the information that I had from the merchant stating that a refund would be issued, however the Discover stated that they could only refund the charge if I had something from the merchant specifically stating that they would refund the charge on my discover card specifically. I had the same issue with XXXX XXXX because I had to split the total charge between both cards. XXXX XXXX has resolved the Issue with the documentation that they received from me but discover is stating that there isn't anything they can do about it. Today I receive an invoice from discover that is not very legible bate out what I can make out from the invoice is that it isn't generated from the same company that I had conducted business with and the date on the invoice doesn't match the date the transaction was made. It was an entire week later. I submitted the corrected invoice to discover stating that the merchant charged me more than what they submitted to discover but it was just split between two different cards. I also submitted a letter from the account manager which explained that the company would issue a full refund for not providing services. Discover also accidentally sent me another consumers information which let me to think about if my information had been sent to another consumer as well. I am concerned about the security of my information and Discover 's lack of their attention to detail. This company has a lot of sensitive data that they have been careless with. They also failed to do their due diligence when handling my case and refuse to open the case back up because they claim the information I have isn't specific enough. The executive office of Discover also has also stated that there is nothing that can be done for me. I have tried everything to bring this case to a resolution but I do not feel as if my dispute has been taken seriously. You will see in the attached documents that discover forwarded me another consumers dispute information. I am concerned that my information may have also been compromised in the process. All the information I uploaded was enough to bring the case to a resolution with XXXX XXXX, I don't see how discover couldn't do the same.
12/12/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Privacy issues
  • FL
  • 331XX
Web
On XX/XX/10, I decided to apply for the Discover it Cash Back credit card. Before I submitted my application, there were two items required in order for me to submit my application successfully. First, the front and back of my driver 's license and secondly, my social security card. The website advised that it was to confirm my identity which is ridiculous especially at a time when data breaches are occurring more frequently. I did not feel comfortable uploading those items and discontinued the application process. I did not submit my application successfully therefore a hard pull of my XXXX credit file was not warranted. Discover Financial should have done a soft pull and once I submitted my application, a hard pull. With all due respect, my score dropped 10 points due to their hard inquiry. I did not even receive any confirmation from Discover Financial that my application was even received so I believe this was an error on their end. I emailed their executive office XXXX. I immediately advised that I was no longer interested in applying for their credit card and that I did not submit my application to them for processing. The next day, I received an email from their customer service department advising that my application was still pending. After further research, many consumers that have tried to apply for their Discover It credit card have complained about the same thing : they request a copy of their social security card to be sent to them to confirm citizenship disguised as identity. Their tactics are appalling and I have reported them to the XXXX as well. I did not submit my application to Discover Financial because I did not think it was safe to submit my social security card out of fear that it would be compromised and discontinued the application process. No other creditor has ever requested for me to send them a copy of my social security card to apply for credit. They had no right to pull my credit report since I did not finish their application process online. To add insult to injury, no one from their executive team has had the courtesy to reply to any of my emails. Furthermore, I think that XXXX is also at fault because they allowed them to pull my credit report in the first place. I will never apply for any other credit card that XXXX recommends since they receive a commission for each applicant. I have contacted XXXX and have received no assistance there either.
03/18/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 333XX
Web
I identified two fraudulent charged on my Discover statement to the card company in XXXX XXXX by phone. The charges took place on XXXX XXXX and XX/XX/XXXX respectively. Each charge is for {$1400.00}. I have explained there was a lag time in my reporting the charges as I had 6 or 7 credit cards open and all the balances were getting out of hand. I took out a home equity loan to pay off all my cards. That's when I noticed the fraud charges. I was told an investigation was started and charges were credited from my account temporarily. I called in frequently for status of the investigation and offered all the help I could. I was told the charges took place on a " square device '' by Discover reps. I was also told the XX/XX/XXXX charge was traced back to a hair salon in XXXX, Florida and the XX/XX/XXXX charge to a strip mall in XXXX XXXX, Fl. The merchant is listed as " XXXX ''. At one point Discover started to question my spouse, Mr. XXXX XXXX, who is not even listed on the account?! Repeatedly, we both assured Discover we have absolutely no knowledge of these charges. I was shocked when on XX/XX/XXXX " XXXX '' in Discover Fraud investigations informed me the investigation team determined no fraud took place. When I pressed him for the specific reasons he could not tell me only said that the " reassertion '' team knew that. That being said there was no way to speak to them??!! They send me a letter letting me know no fraud was found and I am to resume payments of XX/XX/XXXX.. again no reasons were stated. At this point I retained an attorney who sent a letter on my behalf to Discover explaining to they are in breach of contract and can not hold me responsible for the charges. I called in and was assured the letter was received and uploaded to their system. Then I was told Discover was still maintaining I am responsible for the fraud charges!!!??? They said a letter would be sent to me to this effect but not to my attorney??!! I am requesting that a full and through investigation into the charges be conducted. The only result is that the charges totaling {$2900.00}. be credited in accordance with the terms and conditions of the agreement regarding the treatment of fraud charges ASAP! My husband and I adopted XXXX babies from the state dependency system in XXXX. I work hard to pay the bills and keep my credit rating in tact for my family. Discover has been incompetent and at times deceptive.
03/31/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 11434
Web Servicemember
This information is in regard to XXXX Credit Reporting Agency. Credit Report Number : XXXX XXXX has continuously and is currently reporting 2 accounts that is a result of identity theft within my credit file. The info is with XXXX XXXX XXXX XXXX & DISCOVER FINANCIAL SERVICES. Perpetrators were able to obtain several loans, bank accounts and credit cards using my information. I had filed a police report, I had filed an FTC identity theft report, and yet they ( XXXX ) still kept the fraudulent information within my credit file. Not only did they did this, the credit bureau ( XXXX ) has also updated and maintained this information within my report, even though XXXX and both ( XXXX XXXX XXXX XXXX & DISCOVER FINANCIAL SERVICES ) companies has failed to send me information on who opened up these fraudulent accounts. Several times I have asked XXXX to remove the accounts and to verify who had opened these accounts with XXXX XXXX XXXX XXXX & DISCOVER FINANCIAL SERVICES, and to several times, no success or avail. Ive also reached out to both companies XXXX XXXX XXXX XXXX & DISCOVER FINANCIAL SERVICES. XXXX XXXX kept on giving me the run around and no one never returns my calls. While a representative at Discover Card told me the company has its obligations to keep a record on everyone, regardless if that person is an ID THEFT VICTIM, and even if its mine or not. Nor are they obligated to send me anything as well on the fraudulent account even though a police and FTC REPORT was filed. I had submitted a police report and an FTC identity theft to Discover Financial Services. Both fraudulent accounts are still within my credit as of XX/XX/2020. I currently work as XXXX XXXX at XXXX XXXX, in XXXX XXXX NY. So daily I have to restrict my commute by using XXXX/XXXX services due to the exposure of the Coronavirus on XXXX public transportation. And in return its costing me closer to thousands of dollars every week. All due to the fact that I can not apply for a car loan due to my Identity being stolen and fraudulently used. As well as the fraudulent acts of XXXX Credit Bureau. Im facing risk with my life everyday, and the last thing that I should be worrying about is my credit being used fraudulently at XXXX Credit Bureau. XXXX has not made it easy for identity theft victims such as myself. An help from someone within the Consumer Finance Bureau is highly appreciated. Thank you.
10/22/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 210XX
Web Servicemember
In XX/XX/XXXX I was XXXX XXXX after an eight-year term from the military. After which, I fell into debt with Discover. Late XX/XX/XXXX the account was sold to XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) and they filed a court case against me with the state of Maryland where an affidavit judgment was entered in their favor because I was never served with the court documents. Nonetheless, early XX/XX/XXXX, I received a letter and numerous phone calls on behalf of Discover from XXXX and XXXX, XXXX ( XXXX Box XXXX, XXXX, VA XXXX ), a collection agency, regarding the debt for approximately {$8000.00}. After numerous calls, we agreed that if I were able to pay {$3000.00}, they would render my account paid in full. On XX/XX/XXXX, I made a payment of {$3000.00}, received a confirmation letter and assumed the case had been closed ( see attached ). Apparently, they never closed, updated or notified Discover or the credit bureau of my payments. On XX/XX/XXXX, I received another letter from XXXX and XXXX regarding the same debt from Discover, citing a {$7500.00} balance, noting that they had been " authorized to accept {$3700.00} to resolve your above-referenced account if your funds are received in our offices on or before XX/XX/XXXX ( see attached ). '' I called immediately to dispute the claim and cite the error. However, the representative told me that they were not mistaken and while the payment had been made, I still owed Discover ( XXXX and XXXX ) the full amount. After a lengthy back and forth ( three phone calls ), I was told that I would be contacted by someone from their department, which never happened. Much to my dismay, on Friday, XX/XX/XXXX, I received a thick, white, 11x13, envelope from Discover ( XXXX XXXX XXXX, XXXX XXXX, OH XXXX ) which included all of my previous statements ( approx 200+ pages ) with a letter citing the following, " we researched the dispute of liability for the above-referenced account. We found the account and balance to be valid. '' " ... We have forwarded our findings to XXXX XXXX and XXXX XXXX ... '' ( see attached ). Additionally, the following day, Saturday, XX/XX/XXXX, I received a similar package ( Manila envelope 11x13, 200+pages ) with all of my statements from ( XXXX XXXX XXXX, XXXX, VA XXXX ). The cover page indicated that I owed {$7600.00} and " ... that interest is accruing at the rate of 10 % per annum. ''
08/10/2018 Yes
  • Student loan
  • Private student loan
  • Getting a loan
  • Problem with the interest rate
  • TN
  • 37205
Web Servicemember
I have been comparing different private student loan options to help finance the rest of my XXXX ( XXXX ) program. The online advertising shows a fixed-rate APR range starting at 5.99 % for interest only in-school payments and 6.59 % for $ XXXX/mo fixed in-school payment and deferred payment. The website clearly states : " Private student loans are credit based. '' which is completely understandable. I have a 780+ credit score ( verified throughout the years as I have applied for various credit from credit cards to mortgages ). When applying for loans, I always get the lowest rate because I have excellent credit with no blemishes and a long history. When I applied today ( XX/XX/2018 ), one of the questions they asked was if I am full time or part time. I am a full time student. Then they asked my income and assets ( non-retirement and retirement ). Although I was confused why they needed this since I am full-time in school and not working, I gave them my income for the year ( my internship over the summer ) and my assets ( more than enough to cover the loan if I had to make withdrawals from my retirement ). Once they had my information and ran my credit, they told me my interest rate would be over 8 % APR for my {$44000.00} student loan! When I asked why, they kept saying that they factor my credit into the decision, but when pressed, the rep finally confessed that they consider current income! I'm a full-time graduate student ... I don't have a job. If I did, I wouldn't need student loans. When I graduate, I will be making more than enough to pay back the loans and may even have a job offer by next week for when I graduate. Job offers for future employment aren't considered though. Only current annual income. There is no mention ( at least that I could find within hours of researching ) of needing income or proof of income to qualify or get the best interest rate. Clearly Discover is playing bait and switch. They wanted me to have a cosigner and then they would still only go down to as low as 7 % APR if I agreed to add a cosigner ( 1.01 % higher than the lowest advertised rate ). I doubt anyone can " qualify '' for their stated lowest rate of 5.99 %. This is false advertising! I cancelled the application without accepting funding. I no longer want to do business with Discover and I will be sure to guide other students and professionals away from them for all products they offer.
01/04/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AR
  • 725XX
Web
XXXX XXXX XXXX XXXX purchased on XX/XX/21. All information given in sales pitch was fraudulent and deceptive and was found out after rescission period was over. I was denied access to XXXX website until after rescission period was over and in fact never told there was a specific cancellation window. I have made numerous contact phone calls with Quality Assurance for this membership to be cancelled with 2 Certified Mail Letters sent to office in XXXX, FL on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, also sent a Cease and Assist Letter to XXXX due to extensive phone calls from XXXX and XXXX XXXX, calling me morning, noon and night on my phone. Post office states they will not accept mail sent, trying to avoid my correspondence. I have already disputed twice the charges to my Discover card due to services not provided as stated. I will be filing a complaint with Profeco against XXXX XXXX XXXX ( They have a XXXX rating of F with similar complaints ) and with Consumer Financial Protection Bureau against Discover. My other credit card company understood there was no way for myself ( consumer ) to discern the deception by reading the contract. With the multiple correspondence via Certified Mail to XXXX XXXX and XXXX XXXX XXXX to addresses provided with no receipt or acknowledgment accepted. There was no way the contract would have disclosed the price of a week being {$5000.00} compared to the {$500.00} we were promised. We did not have access to the booking site to verify false claim until after the rescission period. Purchase Price : {$47000.00} Down Payment : {$14000.00} Amount Financed {$35000.00} Monthly Payment : {$870.00} My other credit card has refunded charges due to deception and fraud by not providing any services promised. After reading the contract it was founded that the only benefit we purchased for this amount of money was to receive a 25 % discount on future vacations with XXXX XXXX XXXX. My spouse and I were never told this information. I see where the information sent my XXXX to Discover states we have already used services with XXXX, however the leisure cash that was provided was given as an incentive to attend their presentation. We have used no other services. We have been trying to cancel this membership since XXXX which was within 30days of signing membership contract. Full contract was not made available at time of signing and only deceptive benefits were discussed.
11/15/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • NY
  • 122XX
Web
there are three issues One, I had a discover card Account number XXXX opened XXXX of XXXX they closed my account they bullied me by doing this and not looking into the matter. They put a late payment on my account XX/XX/XXXX XXXX This was an error because I have always been set up from auto pay ) when the rep called me about I asked what happened to my auto pay they could never explain why it did not take out a payment. I immediately made a payment with them over the phone. they were never able to see why the auto pay was stopped even though my bank showed no error on their end there was also funds in my account. They rep fraudulently entered me into some type of repay contract which stopped me from being able to use the card ) I didn't know that was cutting me off from my card. I was never late ever with my card. I used this card with pride. I continued to pay my balance down to XXXX they still would not let me use my card. Then on XX/XX/XXXX they closed my account. Discover has ruined my reputation cause me to be denied for credit for a closed account and and false Late payment that was NOT from me doing anything wrong. this was a long running credit history with {$12000.00} line of credit that was taken from me without my authorization. They said they closed it due to a negative account from XXXX XXXX which leads me to my second issue. XXXX XXXX put an erroneous account, Account number XXXX on to my credit report which they had no permission from me to do so. I tried several times to get verifiable details to prove this account belongs to me and XXXX have failed to provide anything with my signature or a sworn affidavit to prove they have validated this account to be truly mine. As you can see they have also ruined my reputation by putting this negative false account on my credit profile. I have tried several times to have this info removed by contacting XXXX, XXXX, and XXXX to remove this unverified information they are all using their power to ignore my concern this bullying technique is not fair! This is hurting me mentally and financially. I am being rejected for credit because of this. Which brings me to my 3 complaint. Lastly, these credit companies XXXX, XXXX, and XXXX are violating my rights by not providing the documentation they are suppose to have on file to prove accuracy of this XXXX XXXX account. I never gave anyone permission to add this to my credit report.
07/10/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • WI
  • 53154
Web
I was introduced to the idea of borrowing money for large purchases starting at the age of XXXX for a college tuition. Several years later, I took out a car loan, which was required to provide transportation to and from school and work. Following graduation, I opened a credit to begin planning an engagement ring purchase to propose to my current wife - the love of my life. In every instance mentioned above, borrowing money was necessitated by the amount of money available to me in order for me to exercise my constitutional rights to life, liberty, and pursuit of am happiness. While the standard American Dream of going to college, getting a job, getting married, buying a house, and having kids was deeply engrained in my life growing up, financial education was not. As a result, with only a piggy bank concept of saving, and an extremely basic idea of how interest worked, I was forced to opt in to predatory binding contracts in order to exercise my constitutional rights. Like many others before me, instead of helping to exercise multiple rights to life, liberty, and pursuit of happiness, the companies involved with the money I borrowed instead stripped these UNALIENABLE rights from me. Instead of focusing on the things that mattered, I was instead always focusing on money, and how I would make ends meet. One thing led to another, and before I knew it, there was no recovering from the debt I found myself in. I began making bad financial decisions because the good ones didnt seem to make any more of a difference to being financially free and independent. I am now separated from my wife, friends, and family, on the brink of homelessness, with {$15.00} in my bank account, and {$22000.00} worth of debt. I am tired, I am scared, I am lonely, and I am depressed. I now realize that I was never free with the education unrealistic dreams made available to me. I now realize that my tax money has never been responsibly used to address these issues in our society. I now realize that the land of the free means the land owned by the rich, and that the home of the brave means the poor people that live there. I would love more than anything to be proven wrong and to be given a fair chance at actually obtaining life, liberty, and happiness, but I no longer believe it will happen. The constitution is just an old piece of paper to me now ; the purpose and meaning has faded more than words ...
11/29/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NE
  • 689XX
Web
On the morning of XX/XX/2019 I was at an XXXX egg hunt and had placed my Discover Card in my pocket in case we decided to take the family out to breakfast. Sometime that morning I lost or had my card stolen but I didn't realize it was going until sometime later when I did contact Discover Card and report the card missing. A dispute was filed on XX/XX/2019 with the company for the charges totaling {$1500.00}. A few days later my account was given a provisional credit for the full amount plus interest. On XX/XX/2019 I received a letter advising my credit limit on my Discover Card was being decreased from {$6000.00} to {$4600.00} then three days later on XX/XX/XXXX a letter was sent from Discover Card advising the investigation was complete and they found no fraud had occurred on my account and I was responsible for the full amount plus interest. When the amount was applied back onto my Discover Card it put my balance around {$1500.00} over my credit limit which drastically increased my minimum payment due every month plus when the severe over limit balance was posted to the credit bureaus it caused my credit scores to drop over XXXX points and i was then unable to refinance my house and complete home improvements and repairs due to my credit being destroyed after my credit limit decreased and the fraudulent charges where placed back onto my account. I contacted Discover Card and spoke with the investigations department and was told my fraud claim was denied because the card had been used in businesses and restaurants where I had previously used the card in the past and the card was never used again after I reported it lost or stolen. I advised Discover that I live in a very small town so obviously the card would be used at the same businesses. when reviewing the fraudulent charges the card was never used out of my town of residence. After speaking with Discover Card several times I hired an attorney to contact Discover Financial Services. Several letters were sent to the company without ever receiving any response from Discover Financial Servies by mail and no attempt to contact myself or my attorney XXXX XXXX was ever made by via telephone either by Discover. This fraudulent activity that was placed back onto my account has caused a lot of problems including increased payment amounts and more importantly Discover Card purposely destroying my credit rating causing increased hardship.
08/19/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 95762
Web
AGAIN -!! These CROOKS are not even BOTHERING to read my posts here, let alone look at the attachements - CFPB is gutless and useless - I have not posted this to several other Government watchdog sites, that have BITE. I have sent in MY DOCUMENTATION - Here is your Lame excuse for a response : " XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Discover Bank XXXX XXXX account ending in XXXX Consumer Financial Protection Bureau Case # : XXXX and XXXX - - After an additional review of all information previously provided and your recent correspondence, our position remains unchanged as no new information has been provided. Please note, that we also indicated to you previously that without the presentation of new information that has yet to be considered, we may not respond to future correspondence regarding this matter. As you did not provide any new information within the email correspondence previously sent to the Executive Offices of Discover Bank, as indicated within our prior response to you, we did not respond regarding this matter. Please note that the documentation you continue to provide is not sufficient for our identity verification process. We need documentation to validate your social security number, such as a copy of the front of your social security card. Also, please provide us with a new copy of the back of your drivers license. '' ARE YOU KIDDING ME... I HAVE SUBMITTED MY XXXX WITH EVERY COMPLAINT HERE ... MY SOCIAL SECURITY CARD IS BEING SENT - WHICH IS WHY I HAVE SENT MY TAX RETURN - THAT IS XXXXL - PLUS THE XXXX XXXX PAGE SHOWS THAT I WAS TO HAVE RECEIVED THAT AMOUNT FROM IRS FOR REFUND - SO THERE IS NO EXCUSE!!! IF AND ONLY IF, I SENT YOU MY CARD - I WILL BE REDACTING ALL BUT THE LAST 4 DIGITS ... I DON'T TRUST YOU. AS FOR NOT RESPONDING TO YOUR EMAILS - WHAT IS WRONG WITH YOU? I HAVE/HAD BEEN SENDING NUMEROUS EMAILS - NEVER GOT A RESPONSE!!! WHAT IS YOUR EXCUSE FOR THE COPIES THAT I HAVE ATTACHED HERE??? YOU KNOW YOU ARE GETTING THEM - YOU KNOW YOU HAVE GOTTEN MORE THAN ENOUGH DOCUMENTATION TO RELEASE MY ACCOUNT ... YOU ARE IN THE WRONG AND IT HAS BEEN OVER 7 MONTHS! I AM DONE PLAYING GAMES - THIS AND ALL THE OTHER CORRESPONDANCE BETWEEN US HERE AND ALL OTHER MEANS, HAS BEEN FORWARDED, AND YOU WILL BE HELD FULLY LIABLE. HOW DARE YOU ... YOU ARE LYING, MISDIRECTING, EMBEZZLING AND CONTINUE TO " MISAPPROPRIATE '' MY FUNDS - NOT YOURS ...!
05/13/2018 Yes
  • Credit card or prepaid card
  • Gift card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • MA
  • 024XX
Web Servicemember
My Discover Credit Card was hacked in XX/XX/XXXX because XXXX stores were hacked and all their clientele 's personal information was taken. I did not realize that my cards had been hacked until XXXX/XX/XX/XXXX. I disputed the charges to my 3 credit cards that I had the XXXX hacked charges. Two of the credit cards refunded my money and Discover refused to refund me what they owed me from that hacking : {$3400.00}. In their estimation, there were just 7 XXXX charges and they felt that those charges were real that I was responsible for them. There were 21 hacked charges not 7. Normally they would call me when there was a constant charge coming from the same place but they never did and they continued paying off those XXXX charges until XX/XX/XXXX. I put in the dispute against the 21 charges and asked them to send me a copy of each charge with signatures. They kept sending me 7 - 9 of the signed charges over and over again and wouldn't send me the 21 signatures. At one point they were going to refund me {$1700.00} until they suddenly took that away and decided, without my approval or authorization to close my case, which they did in XX/XX/XXXX and found that out in XX/XX/XXXX that the case had been closed and that they couldn't do anything for me because I was responsible for all those charges!!! I spoke to someone in the Dispute Office and they told he told me that he would look into it and open it back up for me. Never heard from him and I kept calling asking them what had been done with my dispute. I put in a dispute with the Office of Consumer Affairs in Illinois with XXXX XXXX : XXXX, DE ; XXXX DE ; and again with XXXX XXXX in Illinois because it seems that Discover Card are in so many states that I was being shuffled around from one state/office to another. Charges on my Discover Card from XXXX paid cards that was supposed to be shut off : XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,1XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX: XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I tried to get a copy of all those signatures from XXXX but they informed me that they don't keep receipts. How Discover ever got those 7 signatures and could not get the rest of the 14 signatures is beyond me and truly puzzling.
01/22/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • TN
  • 371XX
Web
Beginning in XXXX, I got involved in a scam on my Discover Card, which had a {$12000.00} credit limit. I didn't know that it was a scam in the beginning. I got 2 or 3 cash advances - all within the limits of the card - over a period of time. I did the cash advances - the person I was helping financially did NOT have access to my card or card number ; however at some point, he was able to hack in to my account or do a card takeover. He made a payment on my account and then before the payment could clear, he recalled it. This happened twice AFTER I got the cash advance. Needless to say, this put my card way over the {$12000.00} limit. I ended up owing {$30000.00} ( +- ) on the card instead of the initial {$10000.00}. When I contacted Discover to say, " hey, I didn't do this and why did you allow this to go over my credit limit! '' they insisted that I had participated in the scam and are holding me responsible for making payments. In XXXX, out of desperation to not further damage my credit, I asked if they could help me. The lady I spoke with was very nice and also didn't understand why I was having to pay for this scam. She set up a hardship program for me where I now pay {$530.00} a month for 5 years on this debt - debt that I did not create and isn't mine to pay. They are continuing to victimize me by holding me responsible. I sent them a Certified letter a few months ago - return receipt requested - and repeatedly called them. They have failed to do anything that is beneficial to me. I even asked them to restore my card back to the credit limit of {$12000.00} and let me pay that even though that's more than I originally owed on it and write off the remainder of the charges to fraud since I didn't create this mess. They have refused repeatedly. This has created a very big hardship on my family. My husband is retired, income is set, and I can not continue to pay this debt for 5 years ... I had to take on a second job to be able to do this and at XXXX years old, I can not do it long term. Its ridiculous that I should have to pay for someone else 's evil doings. I repeat, I DID NOT give anyone my card number ... all I did was try to assist someone who said they needed financial help. Admittedly I was too quick to trust, but I should not be responsible for the evil doings. It appears that this person did a credit card takeover! I would appreciate any help that you could give me.
08/24/2016 Yes
  • Credit card
  • Privacy
  • WA
  • 98119
Web
On XXXX XXXX, 2016 my landlord informed me that Discovercard had contacted him about a payment I owed. This was in complete violation of my privacy as I had never given his name or phone number as a contact for me or my account. In reviewing Discovercard 's stipulations for contact, he in no way whatsoever fit the criteria listed within. Again, Complete Violation of my PRIVACY. Read : Illegal. I called the toll-free Discover card # and the actually nice employee to whom I spoke, XXXX, reported it was general practice for their " skip tracers '' to search any other phone numbers at listed properties and contact them. For the record : I unknowingly was {$27.00} shy my last payment and all current info on my Discovercard account listed my bill of {$120.00} as ( Leading me to believe I was up-to-date ) due on XXXX/XXXX/16. It was only upon calling the automated number that I learned that I owed {$27.00} immediately. I paid this amount, immediately prior to speaking to XXXX. Fast forward to XXXX : I paid {$99.00} due on the due date of XXXX which was On Time. On XXXX I began noticing daily calls from a toll free number, so I called it back on XXXX/XXXX/16 and discovered that it was : Discovercard. I spoke with a gentleman who reported that they just like to check in and try to pre-schedule payments prior to due dates ( my Next Due Date is XXXX/XXXX/16 a full 20 days after they began their daily harassing phone calls ) I told him that their persistent calls equate to harassment to which he vehemently denied it as harassment. I requested that he document my request for the contact to cease. He repeatedly continued to offer several options/benefits for arranging payment within the same breath. With each offer, of which there were several, I told him again, and again that I was not interested and requested documentation of this as harassment. I will further document future calls and add them to this complaint as necessary. Per XXXX Dictionary : Simple Definition of harass : to annoy or bother ( someone ) in a constant or repeated way What Discovercard is doing equates to harassment whether they are willing to admit to it or not. I am requesting that it cease. I would also like some sort of fine imposed upon them for violating my privacy by contacting my landlord on XXXX/XXXX/16 as their actions were completely illegal based upon their own outlined privacy practices. Sent from my XXXX
06/20/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NJ
  • 07747
Web
I had purchased a vacation on XX/XX/XXXX through XXXX using my XXXX credit card. The vacation was cancelled by Bookit.com on XX/XX/XXXX ; The trip was for XX/XX/XXXX - XX/XX/XXXX to go to XXXX, I used my Discover card to pay for my portion of the vacation with my partner. My discover was charged {$2000.00}. ( To note : my partner paid for his vacation & on a XXXX card, that received no refund due to XXXX being closed, and was disputed and resolved in his favor within 90 days, NO PROBLEM ) On XX/XX/XXXX, XXXX 's website stated that they were not in functional operation and UNABLE to process refunds. Shortly after, I submitted a dispute as SERVICES NOT RENDERED/RECEIVED on XX/XX/2020. Discover sided with XXXX.com on the original dispute stating that I had not submitted documents, although I spoke to a representative from their company that there was no need to submit additional documents. Discover has now received all documents supporting that XXXX cancelled the trip, was unable to process refunds, and I sent them the email that XXXX sent showing that I was due a refund. At this point, I have had the dispute escalated for supervisor review at least three times. I have waited over five days straight despite numerous calls for a supervisor to call me back, never received a call back from one. Additionally, in this process I was hung up on over or purposefully disconnected at least five times. On my last call, I went over line by line my terms of service with representative and she had no other explanation why I was not receiving my money other than that BookIt.com is a mutual client of them as well and essentially positioned that they were more in the business to protect that client over me and my cardholder terms of service. The company is being sued for this by the attorney general of Massachusetts. I have also submitted a police report in the county/township in which BookIt.com operates their business. I have requested all calls that I had with Discover to be sent to me, which is within my right and they still have yet to do so. Additionally, they said that the refund document was not clear in which where the refund was to go even though BookIt.com clearly states on their website that they are NOT able to issue refunds. After many tireless attempts, Discover is still essentially okay with defrauding their customers and not following their own terms and services as I signed.
12/29/2015 Yes
  • Credit card
  • Credit line increase/decrease
  • CA
  • 92114
Web
Out of curiosity, I contacted XXXX on XXXX/XXXX/2014 after answering a make money quick scheme type of post on XXXX. I left my information and was quickly contacted by a representative. I was told about the opportunity to make money with their proven system. I was sweet talked and after a few minutes I asked what the investment was and was told it was XXXX+. I thought it was way too much, and then I told them that I could not afford this since I had no money for this investment. I then was told that if I paid it I would have three days to cancel the program, and was told that they would help me get a credit card from Discover to cover the cost. I was given a number to call a Discover rep and was given XXXX+ in credit and then I went ahead and made the investment since I had a 3 day period to test and see if it was worth the investment. I was told that I would receive a call a day or two from the date of the contract and received a call from one of their expert instructors who was going to give me a coaching lesson on how to set up and XXXX account. I told the person that I already knew how to do this and then discovered that I was just going to be overcharged on a dropshipping business that I could set up myself. I called and tried canceling. I was told that all I had to do was call them and cancel and they would do that for me but they refused. I then emailed them and tried cancelling and the same. I tried canceling the service since it was just instructions about making an online business with XXXX via drop shippers. I contacted Discover cards and disputed a fraudulent activity from XXXX. After, Discover made a supposed investigation, they came back to ma and told me that the information provide by the merchant was accurate. Then they reevaluated my credit and said they that my credit was now a XXXX from the intial XXXX+ they had given me when I first contacted them via XXXX. Today, I am paying back the negative debt that Discover unfairly and fraudulently buried me in. I strongly believe that Discover has a direct deal with XXXX and they are a very shady company that does not take into account the consumer. I sent all the proof of the fraudulent activity from the vendor and I think it was ignored or not even looked at carefully and I would like to contest Discover on this and have the credit put back into the card and be compensated for what I have paid so far. Please advise
01/25/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 60629
Web Servicemember
IRS FRAUD and United States Code Law Violations Discover Account # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil Liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION Discover Bank is trying to collect on an alleged debt despite not creating consumer account for securitizing consumers retail installment agreement which under 16 CFR 433.1 is indeed a credit sale as consumers social security number was used in said transaction. Discover Bank has not provided consumer with official treasury forms filed under consumer social number as described by congress as a credit card. Consumer reporting agency ( XXXX, XXXX, and XXXX ) hard inquires shows proof consumer credit was pulled. Which by the rules govern said company under the FCRA, FTC and 16 CFR 433.1, 16 CFR 433.2 and 16 CFR 433.3 company is bound to follow all guideline when offer retail installment agreements per the contract as a consumer my rights can be altered at any time. As for the 1099c, 1099oid, 1099a that Discover Bank has filed with treasury department under the rules of the 1099c company must provide consumer with a copy for accurate IRS reporting for any debt over {$600.00}. Discover Bank is not filing the proper taxes with IRS which is fraud. Due to companys non-compliance consumer will have no choice but to file form 211 along with other applicable OMB IRS forms under filing IRS with the treasury to audit consumers account to make sure accurate reporting and taxes are rendered per the security agreement signed under Discover Bank with the security exchange commission along with all OMB IRS forms needed to conduct an audit on consumer account. Discover Bank has also securitized consumers promissory note indenture trustee over securities yet have not credited consumers accounts accurately. Due to the recent change in consumer laws please serve this as notice that upon a valid proof of claim notarized under penalty of perjury consumer refuse to remit any funds until all documentary evidence of the accounting on the public and private side of consumers account. Discover Bank immediately stop any reporting until said company provide all information under the penalty of perjury for documentation.
07/25/2022 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • NV
  • 895XX
Web Servicemember
I applied for a XXXX XXXX XXXX from XXXX on XX/XX/2022. I went through their online application that asked myriad questions regarding the property and primary mortgage was automatically found and pulled into the application. I read the disclosures prior to authorizing a hard inquiry of my credit report. The home equity loan was automatically approved for {$200000.00}. However on XX/XX/2022, I find that Discover will not issue the XXXX XXXX loan for single family homes on more than 20 acres or manufactured home ( even though converted to real property with the State of Nevada ). I talked to Discover Home loan representative and supervisor at Discover. The supervisor ran me through their website where, after 6 pages of drilling through various web pages not referenced in the online loan application, the following statement was seen : You can apply for a home loan from Discover using a home you own and live in as your primary residence. This residence must be a single family dwelling. Eligible property types include single-family homes, condominiums, townhomes, and Planned Unit Developments ( PUDs ). Other properties, such as investment properties, manufactured homes, commercial properties, log homes, trusts, and properties larger than 20 acres are not eligible at this time. At no point in the online application was this information prominently referenced nor the applicant directed to view, nor was this information displayed in their disclosure available prior to authorizing a hard inquiry for credit report. Discover obtained my consent to perform a hard credit inquiry where there was no possibility they were ever going to issue the XXXX XXXX loan. Discover.com home equity loan representative and supervisor refused to remove their hard inquiry from my credit report after leading me to believe, as a reasonable user of their online application process, that they would issue a loan if I passed their credit profile test which required consent to a hard credit report inquiry. If Discover had disclosed in their normal application process that manufactured or large acreage was not eligible, or if the application itself had questions relating to whether it was a manufactured home or property was larger than 20 acres, either the loan application process could have been cancelled by either discover or myself without having a hard inquiry reported on my credit bureau account.
03/02/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Having problems with customer service
  • CA
  • 92104
Web
I applied for a student loan through Discover- Student Loans XX/XX/2015. I had to ask my father to co-sign with me. Discover approved me for {$8500.00} to cover classes and books for my 11 month XXXX at University XXXX XXXX XXXX. LOAN # XXXX was approved at 7.115 % - my dad and I accepted this offer - variable rate. Discover 's loan center sent my certification docs to the wrong department which caused a delay in timely communication between my school and Discover. I actually started classes and was told by XXXX that Discover was faxing to the wrong place. I had to call Discover myself and let them know what they were doing. I was told they had a wrong number in their system. A few more weeks go by and I am told by the university they have still not received any funds or certification. I had to call Discover again - only to find out that they were still faxing to the wrong dept. They were sending my certification to the XXXX XXXX XXXX XXXX dept. at XXXX instead of the Law dept!!??? Additionally, I was told that they had to pull my credit again and increase my rate. This is due to them pulling my credit when I first applied and now they are pulling it again - this caused my score to drop. I asked them why they would pull my credit without my permission and raise my rate due to errors they have made? To make matters worse they continued to send my documentation to the wrong departments for the next several weeks. At one point weeks and weeks into this, they re-characterized my loan from an XXXX loan to a XXXX loan!! AGAIN - pulling my credit and increasing my rate!!! ALL TOLD, Discover dropped the ball countless times, making mistake after mistake and kept pulling my credit and writing more expensive offers every time!!! When I called to file a complaint about all of their errors and how they need to honor they first offer, and remove the hits to my credit report - they told me it was against the law for them to fix this!!! WHAT??? In the end, I have received XXXX different offers over the course of 8-10 weeks that increased rates with each forthcoming offer. Please help me correct this - I think what they have done to my credit report and the audacity to keep sending me higher rate loan offers is exactly why your agency was created. To keep consumers from getting railroaded by companies who 's service is terrible and who refuse to take the steps to correct their big mistakes!!
09/22/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • WI
  • 548XX
Web
On XX/XX/XXXX I left for a work related trip and hired a house sitter through a XXXX add to check in on my home while I was gone as I would be gone for a week and didnt want to leave things completely unattended. Her reviews were good and it appeared that she checked out so I felt comfortable with our agreement. While I was gone she had hacked into my XXXX account and used my Discover card to make XXXX different XXXX orders. These order were delivered to my home where I am assuming she collected them. When I got back from my trip I discovered my house an absolute disaster and many of my belongings gone through. I then discovered that she had made the purchases and called Discover right away to report the unauthorized transactions. I also sent report of this to XXXX as well. I called Discover on XX/XX/XXXX to find out if there was an update about my case because I saw the charges had been added back onto to my credit card and I was waiting for them to send out a form to sign verifying that these transactions were unauthorized. I was told by the employee that this was just because the case had been moved to a closed status and I would see the final credits be posted to my account and not to worry the matter had been settled in my favor. I called back a week later to see when those credits would be posting and was told that they wouldnt be because discover denied my dispute. I spoke to another employee who explained to me that they could send the case to be evaluated again and that the reason that it was denied was because the purchases were made using my XXXX account and since they couldnt prove XXXX made a mistake they couldnt dispute it. I provided an email that was sent from XXXX on XX/XX/XXXX confirming that there was unauthorized access to my account to support my case. I called back on XX/XX/XXXX to verify where the case was standing and they told me I was again denied because the email I sent to support my case was so much later than the instance. I was denied the right to see the documents that they used to make their decisions and stated all they could send was a letter explaining the reasons. They also denied my the opportunity to sign a written dispute confirming authorized transactions were placed on my card. During one of my conversations they had admitted that they had received credit back for some of the transactions and they failed to pass any of that on to me.
06/02/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • NY
  • 12601
Web
i have contacted discover on several occasions in the past year. i did get behind on my credit card. i spoke with a representative that said if i can get my card paid down to below my credit limit they will work with me to keep the card open. i made a large payment that brought me below my credit limit. within 2 days they closed my card after that. i contacted them and asked why and no one really had an answer other than once it closed they cant reopen it and then i was told that they got a power of attorney letter from a debt consolidation company and that was why. i fought with them for a while with no resolution. i contacted the debt resolution company and they stated they did not send them a letter. they refused to send me a copy of the letter they got. about a month ago i got a preapproved offer to reapply. i did and i got denied and the status for denial was due to a situation with another discover card. ive contacted them again. i am in the phone with them for the second time today. i have been unable to get a manager or a supervisor on the phone. they said i have to call the attorney who got my case after they closed my account. i never once got a letter from an attorney and discover was still automatically deduction payments fro my account to pay this card down. they insisted today i have to go through the attorneys office. i called the attorney they told me i have to contact and gave me the number. the woman i spoke with from there was very rude and told me she cant speak to me about anything and referred me back to discover. i found out today while speaking with a representative the letter they received was received back in 2018 and it was because i did go to a debt consolidation company but i did not include my discover and a few others. but they got this letter originally in 2018 and continued to allow me to use my card and make payments and then out of nowhere they close it using this letter as an excuse. i feel like my account was closed and not for the right reasons and now i get an preapporal offer to reapply and i was declined to to the situation with my other card. so they have no intention of being honest about why they really closed my account t and continue to send me stuff to reapply when they will not even consider giving me another card which i. turn affects my credit. i feel this company is shady and doing illegal stuff to justify closing accounts
01/04/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • VA
  • 20169
Web Servicemember
I closed my account with Discover Bank ( Card ) in XXXX, paying it in full and ensuring that this payment covered all finance charges. Later that month, I called back to ensure that my account was closed and there was a XXXX balance on my closed account. I then received a series of checks from Discover, two stating that I had overpaid. This is unacceptable due to the due diligence I showed in calling a SECOND time to ensure my account was in order. I deposited the first two checks. I later received notice that they had made a mistake and shouldn't have sent me the second of three checks and that I must pay that back immediately. I sent a written notice, refusing to pay them since I had paid off ALL money owed and checked back before the time the checks were mailed to ensure this was the case. That same week that my paper request for written confirmation of my closed account was in the mail to Discover Bank, they sent me a THIRD check to deposit with more money they supposedly owed me. I then called the company AGAIN and told them what was going on. The manager refused to clear the account and insisted I owed them the money even after the company is still sending me a checks. I have not deposited the third check due to the behavior of representatives of this company. I feel I am trapped in a scam. I asked for an email copy of all transactions they have a record of my billing and phone call transactions for my complaint for the Consumer Financial Protection Bureau and other consumer advocacy groups. She refused to email it to me but said she would mail me a hard copy once the legal team preps it. That was on a Friday. I still had not received the promised correspondence by the following Friday but did receive another e-mail claiming I owed the money and must now pay a minimum, insinuating that this fraudulent charge now carries possible finance charges. I called the company again, speaking to another manager, who claimed that they can't mail me such documentation and the last manager never should have said she could. She read the notes from my last call and agreed to forward my information and request to speak to a " higher up '' from their legal team. She said they could not call me for 24 business hours, putting me into the second week waiting for this basic information. I am now submitting the complaints without it, while awaiting the supposed call from their legal team.
11/18/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • TX
  • 77379
Web
XX/XX/XXXX Discover Financial Services XXXX XXXX XXXX XXXX, DE XXXX Subject : Unethical Practices | Internal Blacklisting of Accounts Dear Discover Financial Services, I am writing to express my concerns regarding what I perceive as unethical practices within your organization, specifically related to unexpected and unfair account closures and the internal blacklisting of accounts with inaccurate derogatory notations. I have been a Discover Bank account holder since XXXX XXXX during which I was in the process of rebuilding my credit. My account was abruptly closed in XX/XX/XXXX under the pretext of an inability to verify my identification, despite my provision of the requested documentation. This closure was made with no opportunity for reconsideration or resolution. Fast forward to the present day ; I am still a Discover Bank customer, yet I am limited to banking services only. My attempts to prequalify for another Secured card account have been automatically denied due to an internal flag on my profile. The sole reason provided for this denial is " Status of Existing / Prior Discover Card Account. '' This issue is not unique to me. Since XXXX numerous customers have publicly reported similar experiences of unexpected account closures. There is a growing concern amongst former and existing customers about this particular issue. Furthermore, I have previously filed a formal complaint ( CFPB Complaint ID : XXXX ) against Discover Bank for similar unethical practices, which remains unresolved to date. In light of these issues, I am requesting the following : A comprehensive review and removal of the flag from my profile, allowing me to reapply for credit products without automatic denial. A manual review and/or reconsideration ( recon ) of the closed card account, focusing on the possibility of opening a new account, rather than necessarily reopening the old one. An explanation and review of the policies leading to such actions against customers. I look forward to your prompt response to these concerns and hope for an amicable resolution that reaffirms the trust in your services. I appreciate your efforts in addressing this matter. This letter will serve as documentation for the formal complaint to be filed against Discover. The complaints will remain active, and I will consider retracting them if Discover provides a fair resolution in an urgent manner. Regards,
06/22/2016 Yes
  • Credit card
  • Transaction issue
  • CA
  • 94596
Web
On Saturday XXXX XXXX, 2016, I tried to make a payment online to my sister 's credit card and this card is Discover Card. The account number ending in XXXX and I tried a couple of times. It kept on saying something like " Sorry we ca n't process your payment. Please try again at a later time ''. In short, I did n't get a confirmation number that the transaction went through. Yesterday XXXX XXXX, 2016, I called Discover Card customer service cause I saw XXXX transactions from my bank account that was in process for the amount of {$250.00} dollars. I wanted them to reverse XXXX of the payment but they kept on saying that they needed to get approval from my sister cause I was not on the account. Today XXXX XXXX, 2016, my sister and I had a three way call and they would not admit that their online had taken my money without letting me know. Instead, they said that on their end they have a confirmation number and this transaction is legitimate. I told XXXX with ID # XXXX that how can you have a confirmation number and I did n't get one. What I had was a screen that said to try again cause their online was having some trouble. All I wanted for XXXX to do was to reverse XXXX of the XXXX {$250.00} dollars back to my account. She said theirs nothing they can do because as far as she is concerned that they did n't have any problem with their system. I asked her, do you have any note that on Saturday XXXX XXXX, 2016 that your internet was having problems taking payments. She said they did n't have any problem with their internet. I told her that I spoke with XXXX with ID # XXXX who confirmed that on Saturday XXXX XXXX, 2016 had some internet problems and was very sorry that this had happened to me. My complaint and want to have done is for Discover Card investigated with this internet transaction that was done on Saturday XXXX XXXX, 2016. I told XXXX that this is a fraudulent act that Discover Card done to me because I was never informed that this transaction ever went through and yet my bank was withdrawn twice for the amount of {$250.00}. I never received any confirmation notice that you normally get after the payment have gone through in the internet. Please investigate this internet transaction because I do n't want any other victims experience the same thing what had happened to me with Discover Card. I want Discover Card be liable of this transaction and be hold accountable.
08/04/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MN
  • 55109
Web
I am writing to express my deep concern and frustration regarding a dispute case related to a transaction with the merchant XXXX XXXX XXXX, for the amount of {$1000.00}. Despite my efforts to resolve this matter with both XXXX and Discover, I have yet to receive a satisfactory resolution and feel compelled to seek assistance from the Consumer Financial Protection Bureau. On XX/XX/XXXX, I returned the package associated with the aforementioned transaction. I took the necessary steps to contact XXXX and initiate the return process. The tracking number XXXX confirms that the package was successfully returned to XXXX. Furthermore, XXXX themselves have acknowledged the return in the documents I provided to Discover. However, I find myself in a perplexing situation where Discover claims that I did not provide the return label for the transaction in question. I want to emphasize that I did indeed include all relevant documentation, including the return label, in the communication with Discover. It is disappointing to be met with this assertion despite providing clear evidence to the contrary. I am committed to resolving this matter in a fair and just manner. I believe that the evidence at hand, including the tracking information and the confirmation from XXXX, supports my case. I have made multiple attempts to communicate with Discover and have provided all requested documentation to validate my claim. Despite my efforts, I have not received the resolution I deserve. I kindly request the Consumer Financial Protection Bureau to intervene and facilitate a prompt and equitable resolution to this dispute. I have been a loyal customer and have diligently adhered to the necessary steps to address this issue. It is my hope that your involvement will bring this matter to a close and ensure that I am not unjustly held responsible for a transaction that has been clearly resolved. Enclosed with this letter, please find copies of the relevant documents, including the return label, tracking information, and correspondence with both XXXX and Discover. I am ready and willing to provide any additional information that may be required to expedite the resolution process. Thank you for your attention to this matter. I am hopeful that with the assistance of the Consumer Financial Protection Bureau, a favorable resolution can be reached promptly. I look forward to your prompt response.
07/12/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • CO
  • 80123
Web
I opened a CASHBACK DEBIT debit/checking account with Discover on Thu, XX/XX/XXXX. Since then my account was locked 2 times within 24 hours for no apparent reason. I called their support team to try to resolve. The first person I was able to talk to confirmed that my account was locked but could not give me the reason why and said they would have to forward me to another group. I waited over two hours on hold before the call was disconnected. I finally got a hold of someone and they where able to unlock my account. I then went to my account and put in the details to connect my XXXX XXXX Checking/Debit account so I could transfer money out of my discover account. ( I had deposited a check when I opened the account ). As soon as I did this my account got locked once again. I spent the next two days trying to resolve this issue and wasted 10 hours in total waiting on hold. I would get to 2 to 3 hours on hold before the call dropped. On Monday, XX/XX/XXXX, I was finally able to get a hold of someone and they where able to unlock my account and did not need to forward me to another group. I asked them to stay on the line while i tried to add my XXXX XXXX account. As soon as I did that the account locked again. They unlocked it again and again it locked after I put in my XXXX XXXX details. They then figured out that Discover does not accept XXXX XXXX as an account to transfer money to. Instead of having a message pop up telling me that, the system is designed to lock me out and require me to waste days of time on hold. This is a serious design flaw and on top of that the wait times to get it fixed are unacceptably long. Once I got my account open and my check deposited successfully, I initiated a transfer to my XXXX XXXX XXXXXXXX checking account. Today XX/XX/XXXX I got a message that my account has been locked due to suspected fraudulent activity. Back on the calls I was able to beg someone to let me talk to their supervisor instead of putting me back in the 3+ hour long queue. The manager was able to get me on a special list where the correct team would call me directly within 2 to 3 business days. This is a totally unacceptable length of time to get your account unlocked. My check is now frozen in transit and will not hit my XXXX XXXX XXXX account until this is resolved. I'm at my wits end and don't know how many more hours I will have to waste trying to get my money out.
06/23/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • XXXXX
Web
Since initial complaint was filed on XX/XX/XXXX, I received a email from Mark I, Executive Office of Customer Advocacy for Discover Bank. That was on Friday XX/XX/XXXX. I have heard nothing since. I have emailed him 3 times ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) - No Response. Still no communication or access to MY IRS REFUND that was deposited via Mobile Check Deposit. CFPB has let this fall through the cracks - nothing done - and since my initial complaint - ZERO progress!! Here is what I initially sent in ... Regarding account ending XXXX - Jnt with My Son. On XX/XX/XXXX, via MOBILE Deposit, I scanned and deposited MY IRS TX REFUND CHECK into MY Discover account ending in XXXX. Two days later, my account was locked and I have been unable to access my account. Can not log in online, can not call in, as I get redirected to some RUDE people, who will NOT tell me anything. They continue to tell me that my account was closed on XX/XX/XXXX, and that I would receive information or any money in the account after 60 days ... .UMMMMM WHAT?! I never received a letter, a call, email, fax or any communication from Discover Bank, in reference to my deposit being held, my account being frozen or ANYTHING. When I call in, I am told that - you have to wait, and there is nothing I can do about it - - I have the recording ... .RUDE! Well - as of XX/XX/XXXX - 60 days would have been XX/XX/XXXX or so. So I called again, SAME THING ... .RUDE, no answers, telling me to basically kiss off my account and MY money ....!!!! SOOOOOO Done .... If they claim ( LIARS ) that they sent me something in postal mail, I want copies - again I want proof they sent me something ... Their actions are punitive, and I want my funds WIRED into another account I designate ... .IMMEDIATELY - I quite prepared to take this to court ... .My refund check was in excess of {$15000.00} - I also want all the interest they earned off MY MONEY - want all detailed accounting, showing what THEY earned from my money, and XXXX. Interest rate they will claim I earned. I consider what they are doing as misappropriation of funds, embezzlement and other major infractions. I want IMMEDIATE RELEASE of my money - wired - NOT BY PAPER CHECK - WIRE OR EFT/ACH ONLY - to an account I designate, within 3 days of receipt of this complaint. PERIOD ...! I have attached the letter I forwarded to the IRS along with other documentation.
06/01/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • TX
  • 770XX
Web
Victim of intimidation, extortion, and even XXXX. Begging for Discover to do what is right, and stop trying to nickel and dime me whenever I do not have a job, a vehicle to drive, and survived a horrible, horrible accident. I have rights and have been taken advantage of by Discover and other financial institutions. Realize they contacted me even after they were " closed ''. It proves I am correct and if more people do not pay attention or demand more accountability they too will be targeted, victimized, and even XXXX 'd etc. ( if not already have been ). Discover has every customers social security # etc. this information is traded and disseminated at a level that many consumers are not aware about. Why do you think your name is in all caps whenever you receive something via mail? You are treated like a corporation. The customer is supposed to be protected and have rights. This is a lot of money and power concentrated with access to large volumes of information on banking customers. No one is spared, this is done to maximize control, power, and leverage combined with A.I. capablities the general public and government themselves are still learning about and trying to understand the full lengths of. I have requested Federal Witness Protection, and could not even buy water, Wednesday XX/XX/ -that is a basic essential to survive! That is the level of power and influence that Discover etc. has. I have been in Fear For My Life and requested Federal Witness Protection days ago, and am a minority. I had an unmarked, black and white police car with no overhead lights above it ( looked like a crown vic ) that followed me down a boulevard that your tax dollars pay for customers as well as college police outside where I live Wednesday XXXX XXXX XXXX This can not be exaggerated. I have been targeted, surveillanced, watched, and so on for days! I was contacted by all my banking institutions etc. within 24 hours Wednesday, XXXX XXXX XXXX Thursday, XXXX XXXX XXXX I pray that every customer that knows about CFPB will see this and that my words will be heard, my life spared, and that the people who have done this to me will be exposed, and prosecuted to the fullest extent of the law. I have lived in fear, been withheld of my basic diginity and rights and damages suffered incredible damage as a result, and have requested Federal Witness Protection multiple times. XXXX XXXX XXXX
04/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • UT
  • 84047
Web Servicemember
As of XX/XX/XXXX Discover has sent me an itemize statement bill of my account which I didn't not request nor ask for. This a clear stall tactic to remove or update my utilization as stated in my letter I sent and never gotten a response back in my letter I've stated NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! account : XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) DISOVER Making the report is NOT INCLUEDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) DISCOVER that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX. PLEASE KNOW THAT DIFFERENCE BETWEEN AN ITEMIZE BILL AND A UTILIZATION! You stated that it's required to report to all three agencies. Yes only transactions of my spending. But it clearly does not state on paper or contract DISCOVER WILL REPORT UTILIZATION THIS IS A VIOLATON OF THE LAW. YOU HAVEN'T GIVE ME ANYTHING ABOUT YOUR INVESTIGATION ONLY A ITEMIZE BILL. I DID'T REPORT NOR REJECT MY DISCOVER CARD. I'LL ASK ONE MORE TIME PLEASE SHOW ME YOUR INVESTIAGTION REPORT INTO MY REQUEST OF REMOVAL OR UPDATE TO MY UTILIZATON.
12/09/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • TN
  • XXXXX
Web Older American
There was a charge of {$8.00} to my Discover credit card on XX/XX/XXXX from XXXX, then another charge on XX/XX/XXXX for {$290.00}. Between XX/XX/XXXX and XXXX there was a delivery to my home of a plain unmarked small box from a Fulfillment center in XXXX XXXX I opened the box to see what was inside XXXX XXXX and some XXXX XXXX, still unopened. I recognized the XXXX charges from XXXX were fraudulent because we do not smoke, we have never ordered any smoking materials from any source, we did not solicit the box that was delivered. I disputed both charges with Discover on XX/XX/XXXX. Discover found in my favor for the {$8.00} and found the {$290.00} was valid because XXXX provided proof of a delivery to my address. I cancelled that credit card number because it was obvious that someone was fraudulently using that card, and Discover issued a new credit card to us. The credit card company advised that I should contact XXXX to resolve the {$290.00} myself. I contacted XXXX in late XXXX and was advised the XXXX transactions originated with an affiliated company XXXX XXXX, and forwarded my call to XXXX XXXX. XXXX XXXX ' representative acknowledged to me that the transaction for {$290.00} was delivered to a different address than mine. The {$290.00} was for XXXX XXXX XXXX XXXX XXXX ; the box containing XXXX XXXX delivered to my address was a promotional item. XXXX XXXX ' representative advised that their customer account with my name, credit card information, and address was then closed based on the information that I furnished to them. The information obtained from XXXX XXXX indicates that the proof of delivery to my address that was submitted by XXXX to Discover for the {$290.00} transaction was delivery of the {$8.00} promotional box, and therefore Discover should reverse their decision on the {$290.00} transaction and credit my account. Discover stated that I must submit new documentation to reopen the dispute. I contacted XXXX XXXX again and asked them to send an email confirming that the {$290.00} transaction was for a delivery to a different address, and they sent that email on XX/XX/XXXX. I uploaded that email but Discover will not reverse the {$290.00} charge to my account. The end result is that an unknown party has stolen XXXX boxes of cigars and I am paying for it ; Discover is facilitating this theft by not performing adequate research into this matter.
07/22/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • OH
  • 44641
Web Older American
I had a personal loan with Discover Bank and the wife ( now deceased ) and I did a debt program through XXXX XXXX for consolidating and reducing our debt after I retired. The debt was settled on time and on schedule by the approval of the Court. The amount is showing up on a JUDGMENT OF LIEN ( XXXX ) AND DATED XX/XX/XXXX AND RECORDED XX/XX/XXXX, CASE # : XXXX. This agreed settlement was paid as agreed.Originally {$10.00}, XXXX and the agreed amount was {$5200.00}. The judgment was on Case number XXXX in XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/XXXX XXXX and on XXXX XXXX, XXXX XXXX XXXX. The Case was switched from XXXX and XXXX to XXXX and XXXX, XXXX. midway through somehow, I don't know, as both worked on behalf of Discovery. I have the cancelled checks made out to XXXX XXXX XXXX - they cashed them. There seems to be a mix up that I was unaware of until applying to refinance my home to get some money to help my XXXX son get a home of his own. I was informed by XXXX that there is a lien on my property. The only LIEN number I was aware of is XXXX in association to the case number for Discover under XXXXXXXX XXXX XXXX XXXX. The Case Number with them was XXXX. I have the canceled checks, letter from the court that the lien is released, so I'm mystified and upset that this was not taken care of. Divcover has assigned the amount to other debt collectors after it was paid off, and I have some of these to show they are either inept, crooked, or thieves? Take your pick. I need this resolved and consider it age harassment - they must think I forgot I paid them?????? The LIEN on the home for Discovery is XXXX, which is not what my Court Document gives - yet Discovery and the dollar amount is the same. They have repeatedly said this was taken care of and they would not be assigning further debt collectors, but why is the LIEN on my home not released? Further harasment, age abuse, or just inept business/legal teams that can't keep a case correctly? Your help is much appreciated. THANKS! Also important - They reported the full amount of the {$10000.00} figure on a 1099 to the IRS for LAST year, even though it was paid off for less than owed in years before - about half. I did try to contact them on this mis reporting my tax liability, both in the amount and the year. I never heard back from them on that either! So why are they doing these things? Total harassment in my opinion.
03/07/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MI
  • XXXXX
Web
On XX/XX/XXXX, I was about to secure a mortgage. I have memberships with XXXX and XXXX. On XX/XX/XXXX My XXXX credit score listed at XXXX. On XX/XX/XXXX, I received an Alert that Discover lowered my credit Limit. I logged into XXXX and found out Discover lowered my Credit Limit from {$16000.00} way down to {$3300.00}. This had a negative impact on my credit to ratio raising it from 33 % to 39 % As a result my Credit score with XXXX, XXXX and XXXX dropped 19, 27 and 24 pts ( see attached ), I believe Discover received an inaccurate credit report on me. I did have an issue with a XXXX XXXX account reporting as 60 days late.But that was resolved quickly and properly updated. I am requesting Discover reverse the credit limit decrease since it used inaccurate information. But even with the inaccurate report the Discover likely used, I have to ask if my limit decrease was in line with others of similar credit history. I mean a drop from {$16000.00} to {$3300.00} when I have never been late with Discover. Only used about 10 % of my available credit with Discover and my credit score even with the inaccurate reporting was still around 630 However, I do have another concern : Due to the recent political atmosphere I have experienced discrimination as a result of my name XXXX XXXX the stigma from people and corporations assume I am or was a XXXXXXXX XXXX. This could not be further from the truth and for the first time in my life I feel like I have to begin defending my heritage. Therefore, I would like to address that : I am a 2nd generation American citizen, My father was born here, my Mother is XXXX and XXXX. My father, who grew up poor, worked his XXXX off and became a successful XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I followed my father as a XXXX XXXX but also expanded as an XXXX. My wife is also XXXX and I have XXXX beautiful ( XXXX XXXX ) daughters. I own 3 homes : which I built Primary residence : 1. XXXX XXXX XXXX XXXX XXXX XXXX Value {$700000.00} and only owe approx. {$150000.00} 2. My lake house : XXXX XXXX XXXX XXXX XXXX XXXX Value {$800000.00} ( I owe {$210000.00} ) 3. My vacation condo in XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Value {$460.00} ( I owe {$190.00} ). I own the following companies : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. MY XXXX page is under : XXXX XXXX ( where I network all my businesses )
04/01/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • CA
  • 926XX
Web
In XX/XX/2019, I received an offer for a 0 % balance transfer to a Discover " It '' card and decided to apply. My intent was to open the credit account so I could move and pay down a balance currently being carried on a different account. During the application process, Discover asked me the amount of money I would like to transfer and also collected the account information for my account at the other financial institution. I requested approximately {$17000.00} as part of the transfer request, a balance that was the result of a few recent large expenditures that I put on credit only to earn points. I originally planned to use savings to pay off the balance, but Discover 's offer looked to be a great alternative. I am a responsible credit user with more than a decade of spotless credit history, a high credit score, and low utilization across my accounts. Though the application was approved, the credit line was for a fraction of the amount requested in the balance transfer. I was granted just a {$3600.00} credit line, which equates to less than 3 % of the total credit I had available to me at the time. I tried to contact Discover immediately after seeing this, and the agents were unable to see anything regarding the account since it was " too new. '' They asked me to call back once I received the card in the mail. I called when the card was received in the mail, and the agent I spoke with informed me that they would continue to process the balance transfer request, but only for 95 % of the total credit line I had been approved for. This was approximately 19 % of the total amount that I had requested to transfer in the first place. Ultimately, I have decided to cancel the account and to not bother activating the card. The targeted marketing materials led me to believe I would be able to open an account with a credit line up to the amount that I was requesting to transfer. Since this was not the case, I have no value in the new account but now have a negative mark ( hard inquiry ) on my credit report. I feel that Discover should clearly explain in its application that if approved, an account will be open with a credit line that is not at all informed by the amount in the balance transfer request. Had I known this or had I had a chance to withdraw the application before opening an account with such a low line of credit, I would not have opened the account at all.
06/11/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 76705
Web Older American
This all started when I received an email asking if I would like to make big money working from home and I clicked yes. XXXX XXXX then called me via phone and said that I had inquired about working from home online. We talked and they told me they could teach me how to make money selling items on XXXX and XXXX. They also stated they would build me a website included in the costs. We then talked a little longer and I asked, what will all this cost me? and the gentleman stated that the cost for the training and website setup would be {$14000.00}. I told him I could not afford to pay that much money, he then proceeded to tell me I could put it on a credit card in which I would have 30 days to pay it off. He stated by the end of the 30 days I would be making well enough money and could pay the {$14000.00} back. I proceeded to put the charges on 2 different credit cards ( XXXX {$7400.00} and Discover {$7400.00} ) believing what he told me would be possible. XXXX XXXXXXXX had their coaching team contact me and we set up coaching sessions with XXXX. XXXX trained me an hour once a week or sometimes an hour and half. The coaching program was all based on the time they had available. The coaching also consisted mainly about selling items on XXXX and not XXXX and XXXX. I found out later that you could learn how to sell on XXXX for free on their site. Once the website was finished, I looked and honestly it was so basic my grandson could have done a better job. I called XXXX and he showed me how to log on to the site and change the font along with other things. I then cleaned the website up myself to the point where I thought it looked better. Back to the training/coaching sessions. I never once received any training regarding selling on XXXX. I also never received any training/coaching on Social Media Advertising for example XXXX, XXXX, XXXX, I had to learn that all on my own. They also set me up with a drop shipper named XXXX XXXX which has been unsuccessful at making any money. I have an address for XXXX XXXX which is in XXXX XXXX, but all the phone contacts are in Washington State. I have been misled and pressured into services that were not needed. I would like a refund for the full amount as you can see, they misled and deceptively sold me. They told me that in 30 days I would be making well enough money and could pay the {$14000.00} back when in fact I havent made a dime
04/18/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76227
Web
I am a victim of identity theft, I have an FTC identity theft report. I recently discovered multiple credit cards that have been maxed out on my credit report that is a result of identity theft, and I am disputing them with the furnishers and credit bureaus to have them removed. I have also had police contact me in the past due to finding perpetrators with cards in my name in their possession, and they were able to call the furnishers and get those accounts removed. So my identifying information has been compromised for years now. I started a dispute with Discover and the 3 credit bureaus back in XXXX. I attached my SSN, ID, bank statement for proof of address, FCRA, FTC identity theft letter, and a letter stating why and what I was disputing. I was Disputing a discover account on my credit report because it is not mine and I did not open it. Discover has responded by sending me and the 3 credit bureaus credit card statements, the date opened, and my identifying information on the account in order to prove that it's mine and try and validate the debt. Discover sent these letters on XX/XX/XXXX and XX/XX/XXXX. I have since started a second investigation with Discover and the 3 credit bureaus. I advised Discover that an itemization of charges and my personal information does not validate this debt, but documentation bearing my signature is needed to validate the debt. Which Discover does not have, they continue to send account statements in order to validate the debt. They have nothing bearing my signature, and the account should be removed from my credit file immediately since they are unable to provide documentation with a wet signature proving the account is mine. My identifying information has been compromised for years now. I informed Discover and the credit bureaus that I will report this to the attorney general and CFPB if they continue to ignore my request for documentation bearing my signature. Additionally, the date opened, credit limit, high credit limit, and date last active listed are inconsistent across the three credit bureaus. I advised Discover and the 3 credit bureaus that since the account is reporting inconsistently, and they don't have documentation bearing my signature it should be removed. However, they continue to end the investigation in Discover 's favor, even though they have not validated the debt with documentation bearing my signature.
05/13/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • UT
  • 84123
Web
Hello, I am currently using Discover Bank for my savings account. I recently purchased a home with a closing date of XXXX XXXX. My lender gave me the bank details with the title company to which I was supposed to initiate the wire ( domestic ). I initiated the wire transfer on XX/XX/2022 itself with the amount of {$190000.00} Discover did some verification with me on behalf of the federal reserve and on XX/XX/2022 they mentioned that the wire transfer has been completed. They deducted the funds from my bank account on XX/XX/2022 and gave me a reference # XXXX that the wire transfer is complete. In the message, they said it can take maximum 2-3 business days. On XX/XX/2022, my lender company officer reached out to me and told me that the title company bank has not received the funds. I called in discover bank, we verified all the account details to where the funds were supposed to go and everything looked good and they said they will initiate a trace. On XX/XX/2022, I called in again to Discover to get the status and they said they have no update from the federal reserve. On XX/XX/2022, My lender company did a conference call with discover and asked the discover bank to provide an OMAD # associated with the wire, and discover was not able to provide that and asked me to wait for 1 more day. On XX/XX/2022, I called Discover and asked for the OMAD # and they said they don't have it and the only update they gave me is that it's with the federal reserve pending bank verification, which i don't know what it means, neither discover could answer. On XX/XX/2022, I called Discover and conferenced in the receiver Bank officers, my loan title officer and they pressed discover bank to provide the wire tracking OMAD # then also discover was not able to provide the wire tracking #. I got a message from my lender and title officer that without funds into the escrow amount, I may potentially have to lose the house or pay additional funds to close, my existing loan terms may change, and I may be subjected to additional rate lock fees if the funds are not received by XX/XX/2022. I have been on calls daily with my lender, and the " discover bank '' and spending almost on average 3hrs during my job work hours a day to deal with this situation and it has caused me mental stress, and embarrassment. I just hope discover doesnot do the same dealing with another customer.
04/07/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 791XX
Web
On XX/XX/XXXX me and other 500 clients were scammed by The XXXX XXXX/XXXX XXXX XXXX. They promised to render services as of the date the purchase and contract was made, they never did. The services were for them to open up my XXXX business, administer my business, and file any other paperwork on my behalf and they would also get paid 30 % from my earnings. My XXXX business was opened until XX/XX/XXXX and I did all the filing they never helped me with none of that. They only provided brief information on what I had to do to open my LLC. Their service fee was XXXX plus XXXX to a " lender '' who told me I he would help me get approved by credit card companies. This lender by the name of XXXX XXXX and XXXX from XXXX worked with the XXXX to get people approved within 30 to 45 min. Later on I found out they were also charging these fees to get extra money from customers. I got approved for XXXX {$11000.00}, Discover {$10000.00}, XXXX XXXX XXXX {$5000.00}, and XXXX {$4000.00}. My XXXX business was only up from XX/XX/XXXX till XX/XX/XXXX I notified my cards after I saw that my business was put on vacation mode for far too long with no explanation. I later found out by another client that the 4 owner/managers of the XXXX were suing each other. XXXX who was in charge of managing all orders for each store had stolen our personal information as well as card information. Later on XXXX, one of the owners posted on a XXXX group what was going on between them. He only put out that all stores would be put on hold. Most of the clients and myself did the buy back provision before the deadline and never received our money back. I only got the response from XXXX saying he could not sign the document to give back my money because he didn't have anything, to speak to his lawyer. He later on explained that they were suing XXXX to get all customers paid for since he had been stealing all the funds. I provided all information that the credit cards needed from me and made a dispute and they told me they could not help me since it had been more than the 60 days. I understand its more than the 60 days but these people promised me and signed contract which they fail to fulfill. As to what I understand these four credit card companies were contacted by them so I could get approved. I do not have the funds to keep paying for a debt that I got scammed and never had full service rendered to me.
06/13/2015 Yes
  • Credit card
  • Billing disputes
  • NC
  • 28278
Web
Hello : My wife returned from XXXX last XXXX XXXX 2015 by XXXX XXXX from XXXX XXXX XXXX ( XXXX ) to XXXX NC ( XXXX ), she had to pay baggage fee for only XXXX suitcase, she paid R {$260.00} ( which are shown in the Discover monthly statement as {$85.00} ) equivalentto {$81.00} USD ; some days later I received the credit card monthly statement from Discover with XXXX charges : XXXX XXXX $ XXXX MISC SALE/ TAX/ XXXX BAGXXXX XXXX XXXX XXXX $ XXXXXXXXXXXX XXXXBy the charge description in the monthly statement I assumed R {$260.00} corresponds to {$85.00} USD then I decided to call Discover Credit Card Customer Service Department so as to explain the situation, only XXXX charge should be valid. They initiated the dispute for {$81.00} because I have a receipt from XXXX XXXX Baggage Fee with the amount of R {$260.00} which would correspond to {$85.00} USD ( According with the credit card monthly statement ) ; Discover opened a case # XXXX. I received an email from Discover ( exactly XXXX month later ) with the resolution in favor of XXXX XXXX. There were some documents attached from XXXX XXXX where they show {$81.00} USD corresponding to the R {$260.00} ; then I contacted XXXX XXXX and asked about the transactions from my wife credit card the day she traveled, XXXX XXXX only XXXX transaction for the baggage fee corresponding to {$81.00} USD ; they did not recognize any charge made by {$85.00}. Then it seems the description in the Discover monthly statement was wrong too. Well, now everything indicates that {$85.00} is the amount that should be in dispute instead and for that reason I requested to open another dispute case ( # XXXX ), but this time for the {$85.00}. Exactly XXXX month later ( yesterday ) I received an email from Discover attaching only the copy of the receipt from XXXX XXXX showing the R {$260.00} as an answer from the dispute case, but it does not say how many dollars would that amount represent. So this document does not show that {$85.00} corresponds to R {$260.00}. The XXXX dispute case showed {$81.00} which corresponds to R {$260.00} ( and it is correct ). Now Discover is convinced that this receipt from XXXX XXXX represents a valid argument to charge me with {$85.00}. I am a customer who pays the monthly statement complete every month, I am contacting you because I feel Discover is not taking my case ( as a customer ) in the correct way.
03/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60614
Web
Thank you for your time in reading this complaint. I have maintained a Discover Card account since XX/XX/XXXX. I have never had a missed payment. I experienced a hospitalization due to emergency XXXX at the beginning of XX/XX/XXXX and was out of the country for the last ten days of XX/XX/XXXX and the first six days of XX/XX/XXXX. Discover maintains that I did not make an autopayment and this is showing as a 30-day late payment on my credit report. I had no knowledge of a missed payment as I received confirmation of each payment. I called Discover on or about XX/XX/XXXX upon returning to the country when I went online to view my payment history and learned that autopayments had not been made even though my payment history on their online portal reflects that the payments were made ( Ex. 1 ). I made an online payment for {$340.00} on XX/XX/XXXX and Discover sent me confirmation that the payment was made ( Ex. 2 ). I assumed that the payment was made and that I had no late payments but, unbeknownst to me, Discover never actually debited my bank account even though they sent me the confirmation set forth in Ex. 2. I then made an additional payment on XX/XX/XXXX ( Ex. 3 ). I viewed my credit report on XX/XX/XXXX and learned that Discover shows that I have a missed payment. This would never have happened had Discover not sent me an email confirmation that the XX/XX/XXXX payment was made ( Ex. 2 ). I have signed up for paperless statements and expect to receive all notifications regarding my account through email or alerts on my account. I never received any email, account notification or regular mail alerting me that the fund were not actually withdrawn from my account. I relied on their email confirmation and assumed that the amount was paid this was not an autopayment, this was me proactively going online, entering bank account information and making a payment. I now have a missed payment on my credit report for the first time. This has caused my credit score to plummet by 60+ points overnight and will have drastic impacts on my life. I would never have experienced this had Discover actually drawn down the funds they confirmed they drew. I relied on this confirmation, was never provided with notice that this was not true, and have suffered harm because of this. I have one simple request that Discover have this late payment removed from my credit report.
10/23/2019 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Banking errors
  • CA
  • 92264
Web
On XX/XX/2019 Discover Bank did an ACH debit from XXXX account to my Discover Savings account for XXXX, as requested on XX/XX/2019. On XX/XX/2019 Discover Bank repeated this transaction. This second debit was NOT requested. On XX/XX/2019 Discover sent a message in my web portal. Saying that the ACH transfer was processed twice due to a processing error and they were working to reverse the transaction. I called Discover and XXXX on this day and was told by Discover that a credit would appear on my XXXX account on/by XX/XX/2019. PLEASE NOTE : While this second debit appeared as a debit on my XXXX account it did not post on my Discover account. I have asked Discover numerous times where it posted and they have not provided an answer or any documentation as requested. On XX/XX/2019 I called Discover to advise that the credit did not post and was advised it would post in the next business days. On XX/XX/2019 I called Discover to advise that the credit still has not posted and was assured I would get a call the first thing on XX/XX/2019. On XX/XX/2019 I called Discover after I did not receive a call. I was told that the credit was sent to XXXX on XX/XX/2019. The Discover representative got XXXX on the line and after confirming all my information we were told that no credit was posted to my XXXX account. Even after receiving this verbal confirmation, I was forced to upload all my recent transactions showing the XXXX account was debited twice and that no credit back was received. On XX/XX/2019 I called Discover to check on status and they said there were still investigating the matter to determine where the credit posted. I asked for verification that it was even sent and I was told that such a request had to go through their legal department. As accommodation, so I collect interest Discover posted a courtesy credit as a check on my account, but the funds would not be available to me until they conclude the investigation. Why is my own money not available to me? Especially when this is their error and they have admitted this much. Again, I will note that while my XXXX account was debited twice ( XX/XX/XXXX and XX/XX/XXXX ) and while the post of XX/XX/XXXX appears on my Discover account the other does not. Discover has not advised or provided any documentation on where exactly these funds are or were posted during this more than two week ordeal.
03/14/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 77380
Web
I am a XXXX XXXX, resident of XXXX, Texas. Customer of Discover with Card No end with XXXX. ( Discover Dispute # XXXX ) With great pain, I say that I have been Ponzi scammed. I learned the hard way that due to gaps in XXXX 's policies, scammers have a free run. Let me share my story with you. I was a newbie investor and signed up for a service that promised better returns. Initially, I had some gains and mostly losses. I continued to follow his investment alerts but started making losses. When I confronted him about the loss, he suggested that I join his private club where my principal/capital will be safe and make 2x-5x returns in a single day and I would get such an alert once a month. After a lot of discussions and assurances, I signed up for his private club through XXXX by paying {$50000.00} ( Scammer asked me to make payment only through XXXX which I paid through my discover bank assuming it to be safe ). I received my sure shot 100 % signal in XXXX and invested {$75000.00} based on his alert and lost {$67000.00}. When I reached him for compensation as per the agreement, he asked me to arrange for capital again and this time I would receive a stock alert that would recoup all my losses and named it as " core signal '', which happens only once a year last time someone made +74,900 %. I felt all his words to be fishy and reached out to XXXX for help as he wasn't ready to refund the money that I paid. XXXX suggested to request credit card for a chargeback. I reached out to the merchant aka XXXX Based Scammer but no response either from their customer care or financial analyst. It is not only me, many others have reported this scam but discovel has choose not to do anything and this XXXX XXXX based scammers who are not even registered with SEC are looting many innocent people. I urge your office to intervene and ask Discover to rescind the transaction as per consumer protection laws. As per suggestion from SEC, FTC, Police, I have registered a complaint with all authorities. Note : A police case has been filed against the scammer with XXXX Police with Case XXXX, Reported to FTC with report no. XXXX, SEC Submission Number XXXX & CFPB Complaint ID : XXXX Regards, XXXX XXXX Note : A police case has been filed against the scammer with XXXX Police with XXXX XXXX, Reported to FTC with report no. XXXX, SEC Submission Number XXXX & CFPB Complaint ID : XXXX
06/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 28806
Web
I have had numerous issues with Discover Card over the past two years, including three false charges that I disputed that were kept on the acconunt. The third and most recent one is for {$500.00}. When the charge was present I overpaid the account to cover the charge. I then stopped using the account as I was extremely dissatisfied with the lack of customer service and lack of investigation into my issue. Thus, I am owed this money since I paid the account to keep it current during the dispute. I have contested this dispute and provided dozens upon dozens of documents and files with information ; NONE of which were reviewed - my queries were responded to by a chatbox immediately, without sufficient time for a human to read the text or open the documents. I submitted additional information. I have filed complaints before and Discover does NOT return my phone calls as they promise. I have been calling for over half a year at this point and have not gotten a SINGLE phone call back to discuss this issue. Instead, upon my last complaint, Discover closed my account, without refunding me any of the false charges from the past two years - the most notable one of which this {$500.00} that was charged in a scam. The fact that Discover keeps allowing scam charges to appear on accounts and expects people to pay them is straight up theft. Further, Discover reported this incorrectly to the credit bureaus, which now shows up on my report. In 30 years I have never so much as carried an account balance, let alone paid late or missed a payment, hence my perfect credit score - this must be Discover 's attempt to make money off of people they wouldn't otherwise be able to make money from. I am beginning to wonder if Discover is a partner of these scam artists as this is the only way they seem to make money off someone who always pays their bills. Now that my account is closed there is no way to log in or see account info and I am still owed money, yet Discover is inaccurately reporting it as delinquent. AGAIN, I HAVE CALLED AND WRITTEN TO DISCOVER AND CAN NOT GET A SINGLE RESPONSE TO MY CALLS, QUESTIONS, QUERIES, OR COMPLAINTS. The very few times I got someone on the phone after hours of holding they said someone would call me and no one has. They have also given my account information to other users who were removed as authorized users years ago and they claim they were not.
12/14/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • OH
  • 43065
Web
In XX/XX/2019 Discover Card alerted me to fraudulent activity on my card, closed the card, and sent me a new card. A service company that I was using at that time had their charge for {$95.00} denied because of the closed card. I updated my payment with the service company providing them a different Credit Card for payment. A few weeks later in XX/XX/2019 I cancelled my service with that service company, following the service company 's cancellation policy to call in and speak with a sales person. I did that and was told my service had been cancelled. Unfortunately that company proved to be dishonest and sent their people to my home which I refused explaining that I had cancelled service. In XX/XX/2019 I placed a second call and once again was transferred to a sales person who once again assured me that my service was cancelled. The company continued to send people to my home and I refused them each time and threatened to sue them for fraud and harassment if they did not stop. Over six ( 6 ) months after the original Discover Card account was closed, Discover Card allowed two separate charges by the service company to be approved and show up on my new account, which I never provided to the service company. I contacted Discover Card and disputed the charges. The service company only responded to one of the disputes claiming that we had a contract and Discover Card refused to reverse the charge. I spoke with three ( 3 ) different people all of whom refused to credit back the charge stating it was a recurring charge which I disputed. I submitted proof to Discover Card after they declined the charge from the service company in XX/XX/2019 that I provided the service company a different Credit Card for payment. Discover Card still refused to remove the charge from my account. I asked them how many times they denied charges to that account from the service provider from XX/XX/2019 through XX/XX/2019 and they refused to provide that information. After more than 15 years of being a loyal customer, paying off my balance every month, and never missing a payment, I closed my account with Discover Card and refuse to pay for the fraudulent charge. Discover Card has applied late payment fees to my closed account for the fraudulent charge that they allowed and is submitting non-payment notices to the Credit Bureaus attempting to harm my 800+ credit rating.
11/09/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 34638
Web
On XXXX I made an online purchase of a shower kit with my credit card Discover. I requested the item to be cancelled a few days after due to the long period of time to be delivered. I was advised by the merchant that I could refuse the package upon delivery and that I should get a refund after. The item was left porch without notice under the name of someone else but with my address.Since it was a large item there was no way for me to take it anywhere in my vehicle. I saw labels from XXXX XXXX with a number to call in order for the item to be returned. I called the number and was able to arrange a pick up that was done on XX/XX/XXXX. I contacted the merchant by Email which is a third party vendor named XXXX XXXX which apparently orders from XXXX XXXX and act as its the seller. I was advised that onces it got back to the warehouse I should be receiving a refund, which I never did. I then decided to open a dispute with Discover and submitted all my proofs of shipment labels and Email communications from this merchant for them to help me resolve this case. As of now, I still have not been able to get my refund back. Discover keeps stating that the merchant stated that the item was a final sale and it couldnt be refunded. Discover keeps referring me back to the merchant to get this issue resolved. But per Email conversations from the merchant I was advised and authorized to send the item back for a refund which I did. I was able to obtain receipts from XXXX XXXX that the tem was received and that the merchant received the purchase money back to his account but its not refunding my money. All those proof were submitted to Discover for them to resolved the dispute. No resolution has been made until this date. I recently reported this business to the bureau because I feel I was scammed. I was made believed that I could returned the item for the merchant to keep the money and the merchandise. Please help me get this resolved, this bank is not willing to proceed with doing anything else after multiple calls and speaking to different account managers. They are not considering that Im the consumer and customer suffering loss from this issue. I am a single mother with XXXX kids and can not afford this loss of money. I feel Ive been treated unfairly by this bank and need this organization to make things right since I dont have any hope from the merchant or this bank.
08/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • GA
  • XXXXX
Web
Discovers failure to appropriately investigate, notify, do its due process has caused me undue hardships. Ive made more than 10 calls to Discover, been transferred more than 15 times, and have spent no less than 13 hours of my time ( 80 % of the time on hold ). Discover completed an investigation on disputed charges I was unable to complete directedly with the retailer, whom completed neglected any communication with myself. Nevertheless, Discover came to the mistaken conclusion that a series of charges by XXXX were services I purchased and used. Facts Section I : I made Discover aware that I did have an account with XXXX and that it had been canceled as it was never used. Upon the most recent statement showing the unrecognized charges, I initiated the dispute. Discovered allowed XXXX to continue a charade of charges to charge a credit card number that had been reported lost or stolen, and consequently replaced, on multiple occasions. Discovered was instructed on of XXXX XXXXXX/XX/XXXX to block any further charges, authorizations, or business dealings with XXXX. XXXX XXXXXXXX assured me that a block would be initiated. No Access : I do not have the ability to discuss my account with XXXX representatives because they could not verify my identity with an updated cell phone number and their use of an expired email account. Fraud : When I noticed charges on my statement, I contact Discover to start a dispute. The agent suggested the funds would not be reimbursed unless it was labeled as fraud. I changed the disputed status to fraud. Failure to protect : Despite my request to ban future transactions, Discover still allows XXXX to authorize transactions on a new account number. As recently as XX/XX/2022, XXXX debited and credited my account for {$1.00}. ( See documents A and B ). This is a banking transaction technique used to verify with card retailers if the consumer has available credit. There is no conceivable reason this should have taken place on XX/XX/2022 when they were banned by Discover to unlawfully gained access to my account. Dont be off put by the disguised name of the authenticator on XX/XX/2022, if you research further XXXX merchants ' contact information is addressed as XXXX XXXX XXXX XXXX, Az XXXX. Discover allowed this to take place after a block was initiated and should have been followed thru by the fullest extent of the law.
07/31/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • NC
  • 28314
Web
This is a follow up to the complaint that I filed on Monday XX/XX/XXXX. It seems that Discover XXXX , XXXX , XXXX , XXXX , XXXX XXXX XXXX , XXXX. has filed a Judgement against me as a form of spite, retaliation, and retribution as a result of the complaint that I filed with CFPB a few months ago against them for excessive calling on my home phone and cell phones. I feel my rights have been violated ... my Freedom of Speech for one. It seems like when the citizens or consumers speaks out, the business lashes out ...??? Why filed a Judgement against me when Discover has known that XXXX XXXX XXXX has been communicating with them since the summer of 2014??? A few days ago, an XXXX XXXX from Executive Office of Customer Advocacy within Discover sent me an email stating that XXXX would be investigating my concerns from the previous complaint that I filed on XX/XX/XXXX and would send me a detailed response upon completion of the investigation. This tells me that Discover is unsure of the actions and business practices it has done in this matter ...??? How often does a business calibrate itself ... when something is out of tolerance ...??? Well, I 'm not going to " tolerant '' the actions of Discover and XXXX, XXXX ... I have written a letter to the President of the United States of America at the White House. I have explained to him in writing about this situation and included a copy of the Judgement against me by Discover, filed by XXXX XXXX ... I want the President to know what 's going on in the real world and the business world. I have requested help from anyone in his government on this matter ... I 'm waiting for his reply now. Also, I 'm writing to any state and government official that will hear me on this matter. I want the whole world to know how Discover and XXXX XXXX have treated me over these last several months. I 'm requesting that the CFPB, the Federal Trade Commission, the FBI, and members of Congress investigate Discover/ XXXX , XXXX , XXXX , XXXX , XXXX, XXXX XXXX , XXXX for their actions and practices. Number 1, I would like to know who authorize the Judgement against me, Number 2, why? I should not be bullied, harassed, intimidated, and threatened because I want to get my debts consolidated, paid down, and paid off. I 've had to endure this for almost a year now! I put " All '' my trust in Christ and HE will fight my battles for me!!!
03/12/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CT
  • 067XX
Web
On XX/XX/2020 and XX/XX/2020 I had two fraudulent transactions of {$1000.00} each made at XXXX. I was never notified of the fraud and resolution status. I finally saw the charges on my online account and called to report these fraudulent transactions. I mentioned that I never even received the cards that were used to make these purchases. This has been an on-going battle for months now with no explanations. I get transferred to multiple departments with no answers from anyone. One agent I spoke to told me a police report was needed in order to resolve this investigation. I submitted the police report and still do not receive any updates nor is the issue being resolved. I complained today and was told that now I need an additional report from USPS saying my mail is not being delivered and that they are going to conduct an investigation. Also, I clearly submitted fraud claims for 2 TRANSACTIONS. The agent only marked one of them and the other charge remained on my card and I had to report it again today after mentioning it for MONTHS to Discover. I also included BOTH charges on my police report. I am sick and tired of being ignored. I followed all necessary steps. How is a police report " not enough '' when that is what the agent told me to get in order to receive my money back? Today I was also forced to pay a {$35.00} minimum payment or else my account would be closed and charged-off. This is effecting my credit score and I will not let it go on any longer. Also, I paid the minimum payment that was requested and was told that I would get a refund and that my account would not be closed. To my surprise, the next agent I was transferred to told me my account was closed. The previous agent told me that {$1000.00} had been credited back to me and I would receive a new card within 7 days. Every single agent I speak to has a different story to tell. It is absolutely not right to close my account with no notice and considering the fact that the whole balance is fraud that is not being investigated! This is absolutely ridiculous at this point. I would like my account to be reopened and for these charges to be credited back to me. I also need my credit report to be fixed. This issue has been causing me an enormous amount of stress. I am not receiving any notifications or updates and Discover is lying to me as well as making unauthorized decisions on my behalf.
04/10/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NC
  • 27502
Web
Dear Sir or Madam, Please help me. I am a victim of identity theft, and I am being held responsible by Discover Card for {$5300.00} in purchases that I absolutely did not make. The fraud dispute process has failed. I have been fighting with Discover Card since XX/XX/XXXX, but every time I resubmit my claim, I get rejected with no explanation. When I call, I am told that I can not speak directly with a member of the fraud resolution team because they " do not accept phone calls. '' I want to exercise my rights under the Fair Credit Billing Act ( FCBA ). I first notified Discover Card of the fraudulent activity on XX/XX/XXXX. The charges were credited from my account, beginning on XX/XX/XXXX. I received correspondence from Discover that all unauthorized charges have been credited on my account. But on XX/XX/XXXX, I received a letter from Discover stating that they changed their minds, and that I was responsible for all charges. They placed all credited fraud charges back on my account! This is a violation of the dispute settlement procedures provided by the FCBA ( 161, sections A and B ). The FCBA settlement procedures apply to fraud or unauthorized charges, which I am disputing. Federal law states Discover must resolve the dispute within two billing cycles ( but not more than 90 days ) after receiving my notification of disputed charges. Discover failed to meet this timeline, and the law clearly states that any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges even if the creditor finds the charges to be valid. My dispute was initiated in the XX/XX/XXXX to XX/XX/XXXX billing cycle. The dispute was not resolved within the next 2 billing cycles of XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. The disputed charges did not reappear back on our account until the XXXX billing cycle of XX/XX/XXXX to XX/XX/XXXX. Therefore, even if Discover believes these charges to be valid, ( which they absolutely are not ), under law, we are not responsible to pay the charges. I am attaching proof that the dispute began in the XX/XX/XXXX billing cycle, and the dispute was not resolved until 3 billing cycles later, in the XX/XX/XXXX billing cycle. I am also attaching the overwhelming evidence proving that the fraud charges were not authorized by me or anyone in my family. Thank you!
02/26/2017 Yes
  • Credit card
  • APR or interest rate
  • MI
  • 497XX
Web Servicemember
I have been a Discover Cardholder since XXXX. I have used this card for both purchases and cash advances. There are 4 types of balances listed on my bill - Purchases after XX/XX/XXXX with a rate of XXXX, purchases made between XX/XX/XXXX and XX/XX/XXXX at a rate of XXXX, purchases prior to XX/XX/XXXX at XXXX, and cash advances at XXXX. I have been making minimum payments on thecard for several years, and I recently took a closer look at the payment breakdown because it seemed that the balance was just not dropping. What I found was a bit disturbing. I only have my XXXX most recent statements, but I am trying to get online access to more. On my XXXX statement, I had a total interest charge of {$180.00}, which was paid from the payment I made of {$210.00} and dropped my outstanding balance by {$27.00}. All of that seemed correct. The problem arose when I reviewed the interest charge calculation portion of the bill and realized that the interest was not being paid by my minimum payment as I had thought. The interest was being added to the outstanding balance of my higher rate balance types, causing that balance to go up, which will result in a higher balance subject to the higher interest rate with no additional purchases or advances done by me. Below is the information : Statement closing XX/XX/XXXX : Purchase after XX/XX/XXXX - APR XXXX - balance {$230.00} - interest charged {$5.00} Purchase XX/XX/XXXX - XX/XX/XXXX - APR XXXX - balance {$1700.00} - interest charged {$32.00} Purchase prior to XX/XX/XXXX - APR XXXX - balance {$4200.00} - interest charged {$59.00} Cash Advance - APR XXXX - balance {$4100.00} - interest charged {$85.00} Statement closing XX/XX/XXXX : Purchase after XX/XX/XXXX - APR XXXX - balance {$230.00} - interest charged {$5.00} Purchase XX/XX/XXXX - XX/XX/XXXX - APR XXXX - balance {$1700.00} - interest charged {$31.00} Purchase prior to XX/XX/XXXX - APR XXXX - balance {$4300.00} - interest charged {$62.00} Cash Advance - APR XXXX - balance {$4000.00} - interest charged {$83.00} Instead of applying my minimum payment to interest charged, it was applied to pay the lowest rate balance and my balance subject to the XXXX and XXXX interest increased by {$120.00}. This does not seem like a legitimate practice for applying payments. My balances are increasing, but I have made no additional purchases or advances and have received no penalties.
04/02/2020 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • VA
  • 20147
Web
I took out a Discover Student Loan to cover the additional cost of my education, especially when I transferred schools. The relationship started to sour 2 years ago, they stopped sending me billing statements. For 3 months, I had to call and harangue them about sending me statements, which every month they said they would send me a copy and correct the problem. It wasn't until I threaten to report them, did I start getting them regularly. As COVID-19 began ramping up, I contacted Discover Student Loans to find out whether or not it was possible to pay off my loan balance with a settlement offer. While I understood that it wasn't their policy, I wanted to understand what were some of my options. My questions were met with hostility. A week later my billing statement increased by {$100.00}. As I said to their customer representatives, anytime there was an adjustment to my account, I received a letter before the change - this time it seemed retaliatory for my previous complaint. I explained that I have never been late, I always pay more than the minimum amount and have all my previous emails and bills going back a year. One representative said he saw in her a computer that my bill did go from {$350.00} to {$460.00}, but was unable to explain it. He said he would send out an investigation report and they would give me a call back in 2-3 days. A week later, I called again with the same complaint and again the representative saw my complaint and looked into it with another team member and was unable to explain why it happened. When they transferred me to a supervisor, the records that had once showed that my payments were {$350.00} for over a year, MAGICALLY disappeared and they SUDDENLY had records showing that my minimum payment was always {$460.00} going back to 2012!! I was incensed - and I wanted an answer immediately. Again, I was told my another supervisor that I would be called in a few days. Those days have passed and I still have no answer and I have a bill {$100.00} higher and with no explanation of why -- in the middle of a pandemic! If their loan practices aren't illegal, it most certainly is unethical. I shudder to think of young college students at the mercy of their predatory hands. Now I am filing this complaint. NEVER, EVER take out a Discover Student Loan! They are horrible to work with and it's impossible to get rid of.
05/29/2017 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • NY
  • 11225
Web
Discover does not provide adequate access to loan information for their borrowers, including important agreements to the terms of their loans. The loan statements are intentionally misleading and represent inaccurate interest calculations. My private student loans were bought by Discover from XXXX XXXX for an initial principle of {$34000.00} which is the combined total of XXXX ( XXXX ) different variable rate loans. The monthly statements indicate the principle balance, interest rates, and loan balance ( principle + interest ). However, when you calculate the interest rate based on the principle loan amount the loan balance indicates a significantly higher amount, misleading consumers that Discover 's arithmetic is inaccurate. When I called Discover student loans regarding this dependency, I was told that it is due to what they call " Capitalization '', which I was told by the representative is essentially a compounding, or double charged interested to my principle. This type of action would be in violation to the terms of my loan. When I pressed the representative on this issue, she decided to transfer me to someone else ( XXXX ) who was in what she called a " Specialty Department ''. After asking what this specialty department was, I was told that was a misrepresentation and he was just the acting supervisor. He later explained that what the previous representative said regarding compounding interest and double charged interest was not technically accurate. He began to tell me that it was something that most borrowers do n't think of or know they are agreeing to most of the time and agreed verbally that this was an underhanded practice. XXXX informed me that I agreed to all of this in my " Promissory Note '', which I do not have access to. Discover purchased my loans from XXXX XXXX in XXXX, however, Discover only gives me access to statements dating back to XX/XX/XXXX. So in short, my complaint is Discover 's lack of loan information, misleading or incomplete information on loan statements, and misleading information by representatives in customer service. It is clear that Discover Student Loans have not made the necessary improvements since the ruling of their XXXX class action lawsuit charging them with similar sloppy, misleading business practices. When will student borrowers get the protection they need from these crooked student dept holders??
10/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 95014
Web
I made a purchase with my Discover credit card for a downloadable computer game " XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX '' for {$24.00} on XX/XX/2022 from XXXX XXXX XXXX. I downloaded the game and found it incompatible with my computer. I contacted XXXX to cancel the order and receive a refund but it was refused. I disputed the transaction on XX/XX/2022 with Discover stating that the merchant " XXXX '' sold me and incompatible/incomplete product. Discover however reversed the dispute stating : Transaction has been found to be valid. A decision has been reached for this investigation and we have found that this transaction is valid. You can expect to receive information on this decision to be sent to you via mail or secure message at Discover.com. Please review this information when it arrives for important details summarizing this dispute inquiry. Please notify us as soon as possible if you wish to continue this dispute. Dear XXXX XXXX XXXX, Account number ending in XXXX XX/XX/2022 We've finished our additional review of your disputed transaction and found the charge to be valid based on the merchant 's documentation. Please know that we considered any information you submitted as well as information submitted by the merchant. Case Number : Merchant Name : Dispute Amount : XXXX XXXX XXXXXXXX XXXX {$24.00} Accordingly, the temporary credit previously applied to your account has been reversed. To give you better insight into our decision, we are including a copy of the documentation we received from XXXX XXXX XXXX If you still have concerns about the outcome of the investigation, we encourage you to work with the merchant directly. Please note, the disputed transaction has been reposted to your account and will appear on your next monthly billing statement. This amount will be included in the calculation of your next minimum payment due and the calculation of interest on that statement, if applicable. Your next payment due date will be reflected on that statement as well. Please refer to your current billing statement for your current payment due and payment due date. We are required to report your account to the Consumer Reporting Agencies as a disputed account until you advise us to remove the dispute status. If you have any questions, you can call our 100 % U.S.-based service team at XXXX ( XXXX ). Sincerely, Discover Card Customer Service
07/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30339
Web Older American
On XX/XX/2022 I XXXX searched for a hotel to make a reservation and and on the XXXX search produced a URL for XXXX near the top. I selected the URL thinking XXXX owned the XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I wanted to reserve a room for a week. At XXXX XXXX XXXX I booked a room at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a week using my Discover Credit Card. Upon completing the booking I noticed that a supplement charge of {$400.00} was added to the room cost, which surprised me. So I researched and learned that XXXX was not the owner or reservation agent for the XXXX XXXX XXXX, but was some independent internet based booking agent. And another XXXX search for " XXXX Scam '' returned hundreds of complaints for fraud. So I called XXXX and requested to cancel and I received a confirmation at XXXX eastern time the reservation was cancelled. Upon further review I found a paragraph at the bottom of the confirmation and cancellation that the reservation could only be cancelled for a full refund by XXXX on XX/XX/2022, which was the night before I made the reservation. So I was scammed. I booked the hotel room at the XXXX XXXX XXXX on XXXX XXXX directly and charged the room to my Discover Card. The total cost was {$400.00} less than what XXXX was charging. But now I have paid both charges because of the fraud and am out {$1200.00} to Discover Card. I immediately called Discover Card to stop the transaction, and Discover Charge advised me the charge had not posted and to call back when it did. When I received the next statement I explained the situation and Discover Card processed a dispute, but when XXXX sent in the internet confirmation, Discover Card resolved the dispute in the Merchant 's favor. I then called and placed another dispute with documentation. XXXX again sent in documentation and Discover Card has said to me that since Discover Card is a documentation based company, they have resolved this permanently in favor of XXXX The XXXX scam is littered over the internet and the scam can only be completed with the complicit assistance of credit card payors, in this case Discover Card. This is a big problem for consumers and Discover Card is not able to deal with the consumer protection aspect of this problem and it appears they are conflicted because it is the Merchants who pay the credit card fees. Please look into this problem.
09/30/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NY
  • 10024
Web
Starting on XX/XX/XXXX, someone used my debit card/made a skimmer of my card and made several withdrawals at different XXXX around XXXX, NY and XXXX XXXX , NY area . On XX/XX/XXXX the the first fraudulent claim was made, unbeknownst to me. I called discover customer service workers on the XXXX, after my card was blocked when trying to pay for a co-payment at XXXX for medication. The worker at this time did not tell me the reason behind my card being blocked. I was not aware that my card was recently used somewhere in XXXX NY, while I was trying to make a purchase in XXXX, New York. I was told, my card was blocked because of the address at a nearby XXXX ( a food place near the XXXX ). This is a recorded conversation that can be verified. My card was unblocked, and I was given a courtesy adjustment from Discover amounting In {$35.00} dollars for this error. This is a direct admission of guilt/error on their part. Had I been told the actual reason my card was blocked, I couldve put an immediate stop after the first withdrawal, and the person wouldnt have went on and continued to withdraw from my account 3 additional times. On XX/XX/XXXX, I attempted to use my card, and again, I was blocked from using it. This is when I was informed that my card had once again popped up in XXXX, and was being used to withdraw money, while I was in XXXX. I immediately froze my card and reported this to the fraud team and was sent a new card. I sent discover multiple documents showing that I was never in XXXX, New York for the month of XXXX, or during the times my care was being used. I took screenshots of all the locations my XXXX was pinged to for the weeks leading up until the fraudulent withdraws was committed. On the dates the thief withdrew money In XXXX my location shows I never left XXXX, New York. I submitted documents showing on XX/XX/XXXX, I was in XXXX receiving XXXX XXXX XXXX, while my card was showing up in XXXX. I sent all of my locations for this day and they all placed me in New York. I cant be two places at once. XXXX location services uses outside GPS, WiFi, Bluetooth and hotspots to ping mobile locations, which I have no control over. So, if my phone shows I was never in XXXX than obviously I was never in XXXX, New York. If my phone location shows I was near my house at the time money was being withdrew from my account, obviously I was near my house.
03/27/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • CO
  • 80209
Web
So I made a credit card payment of {$200.00} which posted to my account on XX/XX/XXXX. The running balance showed {$1500.00} after that {$200.00} payment. See attached photo. Fast forward to around XX/XX/XXXX or so I went to make my payment for XXXX. This is when I noticed the discrepancy. My running balance was still showing {$1500.00} yet my statement balance showed {$1700.00}. I contacted customer support and through multiple conversations with different representatives, supervisors, ect none of them where able to explain the discrepancy. I sent in the screenshot of what I was talking about and then I received an email on the XXXX of XXXX stating that per my request the dispute had been resolved and dropped. I then reached out again to customer service and informed them that I didn't resolve my dispute nor had I said anything along the lines of wanting to drop my dispute. When I inquired about me dropping the dispute and how that all came about I received a sympathetic message from a representative through the text message portal that let 's you speak with live agents. However, despite the sympathetic text the agent still couldn't answer my questions. They never did answer or were able to answer my initial question of why there was a {$200.00} discrepancy. I recieved one answer saying that the difference between the two was because they had issued me a temporary credit of {$200.00} and that is where the {$200.00} discrepancy came from. I pointed out that the running balance I was referring to was screenshoted on XX/XX/XXXX and that it showed {$1500.00} yet my statement balance showed {$1700.00} and this was all screenshoted before I even initiated a dispute. I then went on to have several other conversations with different representatives and one thing was always consistent. They were never able to answer my question and explain how or why I had two different balances showing which has been extremely frustrating and I now am starting to think I'm getting screwed out of {$200.00}. I've attached a screenshot from XX/XX/XXXX showing the balance in question as it shows {$1500.00}. I then have a screenshot from today XX/XX/XXXX showing my running balance after a payment of {$200.00} posted yesterday. I also included emails concerning when I initiated the dispute and an email telling me of my case being dropped when I had never asked for it too be
12/12/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • AZ
  • 85339
Web
Dear Sir/Madam, I am writing to file a formal complaint against Discover Financial Services concerning their refusal to provide me access to my own credit, which I believe constitutes a violation of Title 15, Subsection 1611 of the United States Code . Discover 's actions have had an adverse impact on my consumer credit, as described under 15 U.S. Code 1681. On XX/XX/2023 I applied for a discover card online. The terms and conditions do not expressly tell you that the application is turned into an asset backed security and sold so the company can profit whether credit card is approved or disapproved. I was denied credit, then upon researching the company 's filings and I read how they profit from the application, I immediately contacted discover and expressed my concerns. Discover response with their decision stands. I have attached relevant documentation, including correspondence with Discover, to support my complaint. I am deeply concerned about more than just the denial of access to my credit. I have reason to believe that Discover Financial Services may be involved in securities fraud. According to the company 's annual reporting ( 10-K ) and indenture agreement on file with the Securities and Exchange Commission ( SEC ) , the credit application I submitted to Discover appears to have been turned into an asset-backed security. This raises serious questions about the legality and transparency of their financial practices. Given these concerns, I believe it may be important to involve the Federal Trade Commission ( FTC ) in investigating how many applicants may have been affected by similar actions by Discover Financial Services. I kindly request that both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) investigate this matter thoroughly and take appropriate action against XXXX File Number XXXX Discover Financial Services XXXX ( I.R.S. Employer XXXX XXXX. ) located at XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX for their alleged violations of federal laws, including potential securities fraud. I also request that the CFPB assist me in resolving the issue of denied access to my credit and ensure my access to accurate and complete credit information. Thank you for your prompt attention to this matter. I look forward to your response and resolution of this complaint. Sincerely, XXXX XXXX XXXX
09/07/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • OR
  • 97062
Web Older American
I am attaching a rather lengthy PDF document describing the extreme difficulties/issues I am having to deal with because of the blatant errors caused and created by Discover Card ALONE in what should have been a simple Bank Transfer. I have been lied to repeatedly ; and given wrong information on multiple occasions. When applying online for a Balance Transfer with Discover Card, one does not know how much their Credit Limit/Credit Line will be ; so when filling out the online form, there are numbers from approximately ( 1 ) to ( 4 ) where one can list their credit card debt in the order of their importance ( with # 1 being assumed to be the first choice ). Therefore, in my case, I listed XXXX XXXX XXXX as my # 1 Priority for a Balance Transfer. Unfortunately, Discover Card processes one 's online application immediately ; even before the Credit Limit/Credit Line has been determined ; and leaves it up to their computer system to identify the lowest level balance ; and pay that balance off in full first ( if possible ). Therefore, again in my case, no one at Discover Card ever explained this critical piece of the puzzle to me. Unbeknownst to me, even after I had discussed my crystal clear instructions to a live Discover Card Customer Account Manager to apply the full amount of 95 % of my Discover Card Credit Limit/Credit Line balance to XXXX XXXX XXXX, this particular employee apparently just chose to let the computer decide for me ; without telling me or even discussing it with me! Had I been told of this computer system policy, I would have immediately cancelled my Balance Transfer Request! Apologizing for the fact a Discover Card Customer Account Manager answering the phones failed to disclose that critical piece of information to me before any Balances Transfers were made is a gross oversight and unconscionable on the part of a purportedly reputable Financial Institution. Financial Institutions like Discover Card have a fiduciary responsibility to all of their Customers to thoroughly train their Employees in all of the nuances involved in facilitating any number of different financial banking functions ; with NO exceptions! Apologizing after the fact for an employee making a mistake involving either a lack of training and/or a lack of banking knowledge or of specific banking products is a totally unacceptable financial business practice.
01/28/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • UT
  • 84095
Web
I made a purchase on Discover credit card for {$6000.00} to XXXX. The total amount paid to XXXX was {$31000.00} on XX/XX/XXXX for a service that was not rendered. I contacted XXXX about the problem of services not being met on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Each time my problem was just ignored about the problem of services not being met. I was never able to talk with the owner. I was promised certain outlined items they would not provide and a guarantee if I did certain outlined items the company would stick with me until I made my money back. The company XXXX was shut down on XX/XX/XXXX by the Minnesota FTC for being a scam. The government froze all their assets. I have sent paperwork, invoices, contract, guarantee, multiple letters explaining the situation to Discover card. XXXX from the executive office reviewed the case. My request was denied. No specific reason was given. I was never asked for more paperwork to prove my claim. I received 2-3 letters and emails that were generated from a standardized form. When I contacted XXXX about those letters and emails he said he did not send them that they were just sent. That tells me that no one is really reviewing my case. The dispute committee is sending random letters and emails that they have no permission to send. These actions by Discover card are unprofessional. The dispute committee also took a week to get paperwork to XXXX that I had faxed. If I hadn't of followed up every week with XXXX he would've never received all my documentation. I still don't know if all my paperwork was received by Discover card because every time I asked XXXX for specific work he never answered me. This is so unprofessional and has caused me great XXXX. I still owe {$31000.00} to credit cards that were used to pay XXXX. I never made a penny on the services they provided in fact I ended up with {$5000.00} more in debt trying to do the program the way they told me to do it. Why should I have to pay for a company that is a scam and be left with thousands of dollars in debt. Discover card said they would provide a fair resolution. Zero is not a fair resolution. Thank you
08/26/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • OH
  • 433XX
Web
On XXXX XX/XX/23 about XXXX XXXX my husband recieved a voicemail on his phone saying that the message was intended for us. ( Said our names ) saying that documents will be going out to our address needing signatures from both of us. ( My husband and myself ) to please contact issuing firm immediately at XXXX reference case # XXXX. This is very time sensitive as well as urgent. Said our names again and that we have been notified. I immediately called the number and a man named XXXX answered and gave his name. I asked whose number I was calling as he did not give name of the law firm. Told us he was collecting a debt from Discover from XXXX. Gave an amount in excess of {$4000.00}. He said he was sending documents to take us to court to collect balance owed. We told him we had not received anything in the mail regarding this. He said it was sent in XXXX and it couldn't be helped since we didn't respond and make restitution. He said the address of our property and asked if that was us and that we lived there XXXX years, right? We said it's our address, but we've only had the property for XXXX years. He even gave an address that my husband lived in before we were married, but he hasn't lived there for XXXX years. He said the were taking us to court to get the monies owed. That the only thing we could do to stop it is pay in full. We told him we didn't have that kind of money, he said that wasn't his problem. He had to do what he had to do. Then he said let me talk to my supervisor for you. When his supervisor got on the phone he was very belligerent and yelling that it was our debt and we had to pay it. We got disconnected, so I called back and got XXXX again. He said I had to make a decision about what I was going to do because he had to send the papers in in XXXX hours. I told him I was too stressed and couldn't think. He said he would give me until XXXX XXXX XXXX time to call him back. Otherwise he was sending the papers in. When I hung up I called our attorneys office. When I told her everything, she said she thought it was a SCAM and not to call him back. I gave her the phone number I called, and told her they never gave the law firms name. She tried to check who the number belonged to, but could find no information on them. She was leaving the office for the weekend, but would look into it on XXXX. I have not called them back.
05/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 20774
Web
I am writing to formally request full debt validation for the account associated with my Discover card, in accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) and Section 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I am exercising my rights under these statutes to obtain complete and accurate information regarding the alleged debt. Account Details : Creditor Name : Discover Card Account Number : ending XXXX I kindly request that Discover Card Services provide the following information for full debt validation : 1 Verification of the account 's original agreement, including the contract or application that establishes my liability for the debt. 2 Detailed accounting records showing the full breakdown of the debt, including the principal balance, interest, fees, and any other charges. 3 Copies of all statements, notices, or other written communications sent to me regarding this account from its inception to the present. 4 Proof of licensing and compliance with relevant state and federal regulations allowing Discover Card Services to collect debts. 5 Verification of the account 's ownership and chain of title, demonstrating that Discover Card Services has the legal right to collect the alleged debt. I remind Discover Card Services of its legal obligations under Section 609 ( a ) ( 1 ) ( A ) of the FCRA, which mandates that consumer reporting agencies must disclose complete and accurate information upon request. Furthermore, under Section 1692g of the FDCPA, debt collectors must provide validation of debts upon the consumer 's request. Please note that while this request does not imply an acknowledgment or acceptance of the debt 's validity, I expect Discover Card Services to provide the requested information within 30 days of receiving this letter. Failure to comply with these statutory requirements may result in a violation of the FCRA and the FDCPA, and I will take appropriate legal action to protect my rights. Kindly communicate with me in writing and send the requested information to the address mentioned above. I urge you to handle this matter with utmost efficiency and transparency to facilitate a swift resolution. Thank you for your prompt attention to this request. I look forward to receiving the requested debt validation within the specified timeframe. Sincerely, XXXX
05/18/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NC
  • 28806
Web
A fake company made three charges across three of my credit cards, totaling {$2200.00}. A {$500.00} charge went to my Discover card. I have attempted to resolve this many times with Discover, over the period of a year and a half at this point. Discover first told me to contact the merchant ; however, since it is a fake merchant, the website, emails, and phone numbers have all been disconnected, and the address given is a vacant office ( I have spoken to the realtor leasing it, who confirmed the fake company are scammers and not the company they pretended to be ). No services were offered, rendered, or completed, and the fake merchant said that " services can be canceled for a refund. '' So even though no services were rendered I asked for a refund. The other two cards had the competence to cancel these fake charges yet Discover keeps putting it back onto my card. Not only does it keep reappearing on my card, now it is accumulating late fees and interest, even though the amount is larger than my balance, which I paid for all actual charges. So now Discover owes me money - I stopped using this account when I was unsatisfied with the lack of customer service. I have submitted documentation that has not been reviewed and I have called over twenty times over the last several months since XXXX- each time someone tells me they need to put me on hold to review my information, then either disconnects the call or transfers me to someone else who seems to have no idea what's going on and wants to start over. Today alone I have been on the phone for more than two and a half hours without any resolution as they keep saying someone will call me back but never does. This is shameful that a company can operate like this and put people 's perfect credit scores in jeopardy. Lastly, there are no authorized users on my account and have not been for several years, but Discover keeps emailing my account information to a former authorized user who should have no access to my credit info or account info whatsoever yet has access to my balances and everything. This is a very serious breach of privacy and security. Please fix this as I will never pay for a fraudulent charge. I used to use this card a lot for points but in the past two years I have had THREE FAKE CHARGES on my account and Discover has not fixed any of them. This is absolutely disgraceful.
02/15/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Overcharged for something you did purchase with the card
  • AZ
  • 85713
Web
On XX/XX/XXXX I purchased a XXXX car rental reservation for XX/XX/XXXX through XX/XX/XXXX in the amount of {$340.00}. My XXXX reservation was booked with XXXX at XXXX XXXX XXXX XXXX in XXXX, NY. Upon arrival, I showed my printed out reservation from XXXX to receive my prepaid rental. The agent notified me I needed to pay for a {$500.00} refundable deposit. I was aware a deposit was needed, but not as high as {$500.00}. I did not have the money on any of the cards I traveled with, so we asked if my fianc could put the deposit on his card. The agent assured us she could modify the reservation to his name, but we would still be using our XXXX prepaid reservation. My fianc used his debit card to pay for the deposit and we were shortly on our way. Upon returning our rental, the agents had difficulty finding our reservation. Finally, they found it and issued a receipt. We hurried to our airline counter to receive our boarding passes so we can make our return flight home. When we reached our gate, I realized that the total charges reflected showed they were debited from my fiancs XXXX card in the amount of {$380.00}. I called XXXX about this and they said to contact XXXX. I called XXXX and they said that all sales are final and because we changed the reservation name, my XXXX reservation shows that it is unused and they refused to refund the amount. I explained to the XXXX representative that the XXXX agent at the counter made this modification because of the deposit. She still blamed me, the consumer, when I had no idea what the agent was entering into a computer behind the counter. It was the agents duty to make us aware that the reservation was now put under my fiancs name is considered a new reservation & not a prepaid XXXX reservation. If made aware, no one would have allowed this transaction to be created in the first place, resulting in an overcharge. The credit card I purchased my XXXX reservation with is Discover. I called Discover and opened a dispute on XX/XX/XXXX. This dispute is still in progress 5 months later. I have documentation showing my fiancs card was charged for the full reservation amount as well as my credit card. We have now paid for the exact same rental, twice on two seperate credit cards and after 5 months with Discover, there has been no resolution and my dispute is under final review for another 90 days.
11/22/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • WI
  • 53211
Web
Discover 's mistake in closing credit card accounts is costing me lots of money. In the 3rd Qu arter o f XX/XX/XXXXI called Discover Corporate card services to cancel a corporate card account because my company was being pu rchased. The corporate account had two cards associated with it. One card in my name and one card in the name an employee. My card ended with the numbers XXXX and XXXXXXXX XXXX card ended with the numbers of XXXX. The XXXX card was primary. After my phone call with them I confirmed that my card was no longer active and told the employee with the other card that the account was cancelled. She told me she did n't have the card with her but she would destroy it. She was a long-time employee so I had no reason to suspect she would n't do what she said she was going to do. The company was sold in XX/XX/XXXX and the EIN was cancelled. I worked for the new owners for a while but left for another job in XX/XX/XXXX. In XX/XX/XXXX I began receiving collection calls from Discover card services. Charges were made on the card with the employee 's name on it on XX/XX/XXXX for {$860.00} and on XX/XX/XXXX for {$450.00}. This was more than a year after I thought I had cancelled the account and a year after the company went out of existence. I reported it as fraud to Discover. They said it was n't fraud because I had authorized the employee as a user on the account. I reminded them that I had called and cancelled the account and they said I had only cancelled my card ; the primary, and that the other card had remained active. Someone reviewed the recordings and confirmed that I had called to cancel but since the other secondary card remained active once charges were made it reactivated the primary card and thus made me liable for the charges. I tracked down the former employee and she admitted to making the purchases knowing that the card was n't supposed to be active because she helped me close the company whose name was on the card. She made payments on and off for about a year and she has been recorded several times on the phone with me to Discover acknowledging her liability. The payment made came out of her bank account. She is recorded asking Discover to transfer the liability to her in order to get me out of the liable position. The former employee has now " disappeared ''. I have put in another Fraud claim with Discover.
05/09/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • 773XX
Web
Sent to Discover/ No Response XXXX XXXX XXXX Vice President / Deputy General Counsel and Assistant Secretary Discover Financial Services XXXX XXXX XXXX XXXX XXXX, IL. XXXX RE : Conditional Acceptance of Payment Claim Discover Card ending in XXXX Dear XXXX XXXX XXXX, I am writing in response to your recent reminder in which you claim that I am obliged to make a payment to Discover Financial for services and / or goods provided. I appreciate your attention to this matter and am willing to consider the claim on a conditional basis, subject to the fulfillment of the following conditions : Signed Contract : Please furnish a copy of the signed contract bearing my wet ink signature. This contract must clearly outline the terms and conditions agreed upon by both parties and demonstrate that I have willingly entered into an agreement with Discover Financial Services for the provision of services and / or goods. Itemized List of Services and / or Goods : Please provide a detailed and itemized list of the services and / or goods that you claim Discover Financial Services has provided to me which warrants the payment. This list should include a comprehensive description of each service and / or good, the associated cost, and any relevant dates or timeframes. Upon receipt of the requested documentation, I will thoroughly review the provided information to determine the validity of you claim. If your claim is found to be legitimate, I will take the necessary steps to ensure prompt payment in accordance with the agreed-upon terms. Please submit the requested information within 10 business day of receipt of this letter. If I do not receive the required documentation within this time frame, I will assume that you are unable to fulfill these conditions and your claim will be considered null and void. Further, note that that the requesting payment devoid of a contract may be considered racketeering. If you have any questions or concerns regarding this matter, please do not hesitate to contact me using the address above. Thank you for your cooperation, and I look forward to resolving this matter in a timely and amicable manner. I have made numerous payments to them using the negotiable instrument that they provide with the statement to no avail. They have also froze my credit and I am unable to use my card which is an interference in commerce.
03/10/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • CA
  • 92505
Web
The Consumer Protection Financial Bureau : I have been a credit card holder of XXXX XXXX XXXX ' Discover It card since XXXX. What drew me to choose and ultimately use their card is their promise of no foreign transaction fee in purchases made outside of the United States. I consider myself a well-educated consumer, closely reading specifics of any product in the enclosed marketing and card member agreement materials. I travelled to the XXXX of XXXX, and the XXXX in XX/XX/XXXX. As with any travel, one would want to use the convenience of credit card, especially those advertised with no foreign transaction fees. Most credit card companies that discloses foreign transaction fees ranges from 3-4 %. Discover ultimately uses the language of " no foreign transaction fees ''. Upon my return to the United States, I quickly scrutinized the transactions in my card statements to see if their advertisement, their promise, lived up to its word. The transaction took about two full months to post to my statement. While this delay was expected, what caught me was the extremely high foreign conversion rate they used. the foreign exchange rate used was anywhere from 15-20 % higher that any publicly-verifiable source. To get a better understanding of this matter, I spoke and wrote to the Credit Card Company on several occasions. I was told that the foreign exchange rate used the exchange rate at the time of transaction as published in XXXX or XXXX XXXX. The rates as I see, led me to ultimately believe that the foreign exchange conversion rate was : first, not accurate to what was published in the market sources, and secondly included a surcharge to those rates. On XX/XX/XXXX, I spoke to a supervisor at the Credit Card company and I was told that their product adheres to its no foreign transaction fee and that foreign conversion rate would be on their website. I found this conversation very appalling as it was a blatant misleading and egregious. Not only that XXXX XXXX attempted to apologize for this misleading card feature but also there is nowhere on their website or card member agreement that support this issue. This is very contrary to how transparent XXXX XXXX with their published conversion rates. The way Discover charges and converts foreign transaction fees are misleading and unfair to its clientele and ultimately to the American public.
05/22/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • KS
  • 66047
Web
I sent certified letters to discover card requesting verification and proof of said credit card account on XX/XX/XXXX, no disputes were filed with any of the credit reporting agencies, XXXX XXXX or XXXX Discover card did not report the dispute nor respond in the required 30 days, verified. Again in XX/XX/XXXX again another letter send to Discover Card requiring them to send me the verification of proof or the said Discover account and all transactions with signature etc. Nothing again reported to the XXXX credit bureaus and letter was sent certified and again no response within the require 30 days. Again on XX/XX/XXXX letters sent again on verification and proof on said account by certified letter. A gain no respons with said verification of prrof and no reporting to the credit bureaus with in the require 30 days by the FCRA 623 ( a ) ( c ) Discover card instead has sent the said account to XXXX XXXX Attorney at Law XXXX XXXX XXXX, XXXX XXXX XXXX, Ks XXXX ( XXXX ) XXXX XXXX in an effort to bully me and my position on the said account by Discover Card. XXXX XXXX had all of a sudden filed the dispute for Discover Card with the XXXX credit bureaus after 6 months, beyond the 30 days require by law and after much stress on me and causing harm to my credit. Discover card has still not provided any original proof of my original signature nor has cooperated in sending me all copies of the said purchases, detailed with what was purchased and dates. Discover Card can bully most consumers and destroy their credit and charge outlandish fees to the consumer. Clearly Discover Card has no remorse for their actions nor lack of ability to furnish any actual original proof Of said account. The law firm is clearly trying to use scare tactics and I remain firm in my resolve against both Discover Card and their illegal misuse of the system disregarding the FCRA 623 ( a ) ( 3 ) FDCPA section 807 ( 8 ) FCRA 623 ( a ) ( c ). XXXX XXXX has court seeking judgment against me XX/XX/XXXX without providing any original proof of said account and I will not let this law firm or Discover bully me as I have shown up three times all to be moved to a later date causing me more missed time at my job, more stress and longer credit damage. Discover Card is a deceitful company to the consumers and defrauds and misuses its place in the Credit Card world to the consumers.
09/15/2015 Yes
  • Credit card
  • Customer service / Customer relations
  • IL
  • 61701
Web
In effort to pay off a credit card debit with Discover, my wife and I have encountered several unnecessary frustrations and complications with Discover. We had over paid the account and wanted to be refunded that amount. This course of action has taken two months to occur. I wanted the money deposited into my wife 's checking account, which they reported was fine, but then later reported that they were not able to comply with that request. Over time, the refund was permitted, we initially requested the amount to be transferred back and it was agreed that the money would be transferred to an account on file, which was not an account belonging to my household. Discover was not aware of the account that they were refunding the account to and provided little information in its resolution. After constant delays I had requested that a check be sent via mail. Discover reported that this was fine. After calling them again, I was informed, without my constant, that they will be sending the funds through a third party, which would deposit the money back on to the initial funding resource. This is not what was requested and it ultimately wastes money, time and effort. Once deposit back to the account in which it came from, I can not use that money to pay off other debit that the money was intended for. When I asked the supervisor to contact the banking division of the company to have this corrected, I was told that they are unable to contact them by phone and had to be e-mail. Once Discover returned my phone call, they reported that the initial request was made and that the funds were transferred back to the account, despite the number of phone calls that were made between Discover XXXX with different individuals ) and myself through the course of several weeks. As of right now, it was told to me that mailing a check was never truly an option and this decision was made on the XXXX of XXXX. No one confirmed and this was told to me after talking to XXXX customer service supervisors and a loan specialist. However, the interest charged on my other account continued to grow while waiting for Discover to make a decision, communicate that decision, and execute that decision. If this statement was made initially, I would have been frustrated, but this issue has now surpassed customer neglect/abuse or at the very least, extreme poor customer service.
03/06/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • WA
  • 99352
Web
I applied for a credit card with Discover around the XXXX of XXXX, and my application was pending while trying to verify my current address and SSN. I did, but the site for some reason wouldn't take it and kept sending me that automated email. I finally talked to someone, and they sent me a physical card and approval and a welcome email on XX/XX/XXXX. I tried to activate the card, and they wanted IRS form 4506-T filled out, which I did and returned via email on the same day ( XX/XX/20 ). I then kept trying to activate the card and kept getting a message that they were going over that form, and to wait and that I would receive another email. Finally, XX/XX/XXXX, I get the following email : Dear XXXX XXXX XXXX, We are writing to notify you that we have closed your Discover it card account effective immediately. We regularly conduct reviews to evaluate our customers ' accounts, and during a review, we were unable to verify personal information on your account. We evaluated your account and under the terms of your Cardmember Agreement, a business decision was made to close your account. Our credit decision was based in whole on the information found on your account. Any Cashback Bonus or Miles rewards balance will be applied as a credit to your account, or, if the account has a XXXX balance at the time of closure, a check will be issued. If your account has a credit balance, you may request a refund check, or one will be sent automatically after four months of the credit balance being on your account. We will report to the credit bureaus that the account was Closed by Grantor. Questions on how this may impact your credit score can be addressed by contacting the credit bureaus directly. If you have any questions, you may write to us at : Discover Financial Services XXXX XXXX XXXX XXXX, DE XXXX Sincerely, Discover Corporate Security What I would like is for them not to report that the account was " Closed by Grantor ''. It was never even activated, and I never did anything wrong. This one-sided reporting will hurt my credit score for no reason, other than they think something was wrong with my info. I have since been able to receive a XXXX XXXX credit card, and my credit report is unblemished. I don't care if they don't want to approve my account. I just don't want them to hurt my credit score, unjustly. Thank you, XXXX XXXX
04/09/2018 Yes
  • Checking or savings account
  • Savings account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 32223
Web
On XX/XX/XXXX, I opened up an online savings account with Discover with initial deposit of {$15000.00}. On XX/XX/XXXX, while on vacation, I received a voice-message from Discover asking me to call them back for account verification. When I called back, the Discover Account Security Rep., XXXX XXXX, XXXX, asked me if I made two wire transfers in the amounts of {$5100.00} and {$9200.00}. I immediately replied NO, I have not made any transactions from or to my account since the opening date. She stated that she's going to reverse those wire transfers and would credit my account for the transfers amount and wire fees since I did not made those transactions. She also assured me that per the Discover {$0.00} Liability Fraud Policy, attached, I am not responsible for unauthorized debit card, online, or mobile banking transactions. She later called that day informing me that she was able to reverse one of the wire transfers, {$5100.00}, but the second transfer the receiving bank has not responded yet. She also recommended for extra security to open a new saving account to transfer the remaining balance and create a verbal password when call in, until the other transfer is cleared. I then requested to talk to a supervisor, XXXX ID # XXXX, for crediting my account for the second unauthorized transfer and he too stated, Discover {$0.00} Liability Fraud Policy that I am not responsible for unauthorized debit card, online, or mobile banking transactions, however, crediting my account may take up to 7 to 10 business days. Last Friday, on XX/XX/XXXX, I called XXXX but he was not available, so I spoke with another supervisor XXXX,, who she said she would call me back before the EOB day Friday to give me an update. When she called back, she then put me in touch with Discover Investigation group representative, XXXX, XXXX, whom told me a different story than the rest of Discover staff. He stated that he's going to investigate and request the receiving bank to return the funds but there is no guarantees to get my money back!!!! He also requested me to sign an affidavit, which he's going to mail to me for signature, when I asked him why can't he email or fax me the blank form to save some time, he stated that's Discover policy, I am now waiting for the form to come in the mail. Here is the Discover Website https : //www.discover.comXXXX THANK YOU!
08/17/2015 Yes
  • Credit card
  • Billing disputes
  • NE
  • 69101
Web
Here is the story all over again, as I recall it, XX/XX/2014, there were quite a few advertisements regarding business opportunities on t.v. XXXX in particular was of a mother who worked really hard and could not make ends meet with XXXX XXXX assistant she began to make thousands from home. I sent an email as the company provided their email address in the ad. I never received a response from the company that was doing the advertising. A short time period after that I received a call from a guy that claimed to be currently running the facility. He began to interview me stated that he had to verify that I met the criteria to be a part of such a lucrative business opportunity. He advised he had XXXX difference platforms ranging from XXXX to XXXX XXXX dollars. He stated if I purchased the XXXX XXXX dollar package, everything would be done and customized for me, and I was guaranteed to make money, without lifting a finger. Here I am weeks later, and to my knowledge I still do n't have an active account. They mentioned that my account is active, but I never even put anything on it or seen it. They swindled me out of {$3200.00} dollars and several monthly fees of {$110.00} stating that it was essential for the operation of my website. WHAT WEBSITE, I DO N'T HAVE ONE! Which has brought me to this point. My credit card company states they will not refund my money because the merchant responded. In their responses they provided a contract which I admitted to signing and a record log of me attempting to contact them excessively, which only proofs that I was n't receiving the assistance I needed. Regarding XXXX, XXXX and case number XXXX. Please advise my credit card company under the Federal Truth in Lending Act ( TILA ) and Regulation Z, I have ONE YEAR to file a non-billing error type dispute. Ever other credit card and debit card holder has refunded my money. This is simply a claim of service not as described which can still be disputed. Please help me advise the credit card company that for this purpose allow they should issue a refund promptly. My wife and I have already been through enough calls, emails, irate conversations with the merchant. They should not be signing with the merchant, this is a form of XXXX abuse. I called previously and try to stop these monthly fees and my credit card company failed to assist me. PLEASE HELP US!
07/31/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 757XX
Web
Not a duplicate. Additional new relevant information. I am an individual. This was prepaid by me, and not a third party. Discover : You have been notified about an ftc Id theft report. You were provided the report number. It would seem as though I never attached the document. Attached you will find the theft report along with the ftc guidelines as to how you are required to respond. When the account was opened there was an fraud alert on my account. You failed to take the nessisary steps to require the person opening the account provide you with unique identification. Upon requesting that you provide me with what unique identification you used to identify that it was me opening the account, you were not able to provide any. This account was opened fraudulently. You have said that you refuse to respond to any complaints that do not have new relevant information, while ignoring the fact that the account was opened fraudulently without unique identify information, which is required when there is a fraud alert on the credit file. Had you taken the steps to prevent fraud as was requested, then we would not be where we are today. You have been notified by XXXX that this account was the result of identity theft. Per the ftc once notified that there is fraud/identity theft by any cra, you are no longer allowed to report that information to any of the cra 's. That includes all places you are reporting. You violated my rights when you did not head the fraud alert, you violated my rights when you reported it. You are continuing to violate my rights by conspiring with the two remaining cra to not accept the Id theft report. You are suggesting that you will violate my rights by not responding to complaints recieved through the CFPB. You violated my rights by continuing to report the fraudulent account after being notified by transunion that it was the result of identity theft. You violated my rights by continuing to report after having been given a copy of the idtheft report number. And I am very certain there are additional rights you violated, like refusing to return my phone calls after a request for a call back was recieved. ( Yes, you actually responded that you recieved my voicemails more than once, and you decided you do not have to respond, despite the fact that ftc guidelines say otherwise. XXXX ) Stop all of it now.
06/22/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60614
Web Servicemember
In XXXX my card was lost and found by a theif who used it at these locations XXXX/XXXX/XXXX 1. XXXX {$7.00} 2. XXXX - {$3.00} 3. Taxi - {$8.00} 4. XXXX - {$15.00} XXXX/XXXX/XXXX 1. XXXX - {$16.00} 2. Taxi - {$15.00} 3. Taxi - {$6.00} 4. XXXX - {$820.00} ( 3 transactions ) 5. XXXX - {$30.00} ( 2 transactions ) 6. XXXX - {$100.00} ( 8 transactions ) I realized it was missing and immediately froze my account, claimed stolen, and had a new one issued. Because they were pending I had to wait until the charges hit before I could dispute. Discover is known for 0 % liability for any unauthorized charges. So after the report I thought nothing of it. After a couple weeks I was advised by fraud department that a police report may help, but with the liability I was assured for by customer service rep who filed the report for me I put it at my low end of priorities because XXXX PD is hard to work with. I created an online police report, called in the temporary case number, and moved on with my life. A couple months later I was accused of making the charges because 1 ) I did n't give a perfect police report ( and supposedly the XXXX told the fraud agent I did n't give all the information ) 2 ) The vendors had been used by me before and not been listed as fraud. This is unfair because someone picked up my card and used it in my neighborhood obviously. I called to appeal and was advised by fraud rudely that it was not fraud but she 'd get me to a specialist the specialist was nice and re-opened the case also not agreeing with the decision because it 's easy to use a stolen card at stores in the area since someone would want to use it right away. I was also advised a police report would help but since XXXX is n't willing to work over the phone or online it 's become difficult with my work hours to ever get there. I call today and now need the XXXX to work with Discover. They need to both open and assign a case to an officer. Then the officer will have to get tangible evidence ( videos, a suspect, etc ) in order for this decision to be turned around and charges to be credited. THIS IS A NIGHTMARE I have no correspondence. I have only phone calls and the dates of fraud. However, they have all calls noted. PLEASE HELP ME! This is horrifying. The police will not do that. And, even if they did how would they know who the culprit using the card was?
07/16/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NV
  • 89103
Web
I was the victim off identity theft, identity account takeover and merchant Spoofing of fraulent charges on all my credit cards. I first discovered this was happening in early XX/XX/XXXX and thought it was related to my wallet and cellphone being stolen in early XXXX and another break in into my vehicle on XX/XX/XXXX where they took my XXXX, phone, us and XXXX passports and credit cards checks and drivers license. Upon reviewing my statements in Ja usury and XXXX I noticed that although my credit card balance was about where it should be there was both significant more charges and more payments. In essence someone was making extra charges on my account and then using my checking account details to pay for it. As such I immediately reported the fraudulent charges to all my banks and most have refunded the fraudulent charges already. I initially indicated it was related to the two thefts in XXXX. At first I thought these fraudsters went to the stores with my credit card and successfully made a fraudulent charge. These fraudsters which included my former employee that I discharged in XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX and later XXXX XXXX XXXX and others. They are very sophisticated cunning individuals that opened merchant accounts with XXXX and XXXX and fake stores that they could easily change the merchant info on the statement I receive using the XXXX XXXX. My bills would show fake store numbers. So when I typed in one of those fake store numbers XXXX XXXX, I discovered that thefraud started after another XXXX and phones were stolen in XXXX and XX/XX/XXXX. I then reported the additional fraudulent charges to my financial institution and most reimbursed those charges as well. DiscoverCard however requested I amend my XXXX police report or make a new one about the earlier thefts in order to get the reimbursement, I promptly made the additional report sent it to Discvercard but as of todays date have not been credited for the fraudulent unauthorized charges which Discover Card offers a zero liability. Discovercard also closed my account as when I caught the fraud I needed to close my bank account and the fraudsters had been using my banking details in their attempt to prevent me from finding out or asking why my credit card bios are so high. These fraudsters were able to lock me out of my emails to.
02/10/2016 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't decrease my monthly payments
  • FL
  • 33314
Web
My son took out a total of {$120000.00} in student loans with Discover Financial beginning in XXXX through XXXX. I was his cosigner, since this was the only way he could be approved to borrow money to further his education. Being this was my XXXX child to attend college and we were never educated on the negative impact private student loans came with, we now owe Discover {$170000.00}. The loans came into repayment in XXXX XXXX ( with over XXXX in capitalized interest added to the principal of the loan ). The monthly payments my son is required to pay are {$1600.00}. He is unable to afford these payments since he also is paying Navient student loans and federal loans ( which are both affordable ). I am also unable to afford to pay the Discover loans because within the past few years I got divorced and now my income is not sufficient enough to afford {$1600.00} per month. We have contacted Discover time and time again begging them to renegotiate the loans and make it affordable for us to make payments. We are not deadbeats and want to make payments, however they wo n't budge or offer us any reasonable alternatives. We were advised by them that until the loan defaults 6 months they wo n't help us. I do n't understand why a company wo n't help out the people that have good intentions to pay until they have ruined your credit and harassed the XXXX out of you. If my son was able to get the dream job that his college degree is in ( XXXX ) there would be no issues. But since the XXXX XXXX XXXX has changed their hiring procedures and now they hire people off the streets instead of from a prestigious school like the one my son went to, he is suffering with mounds of student loan debt and no opportunity to work in the field of his degree. Please help us - what can we do to get Discover to work with us and reduce the principal of the loan, reduce the interest rate and renegotiate the terms to extend the life of the loan so we can begin making affordable payments. I believe they overlend to students who are desperate for a good education and then they bully you with exorbitant interest amounts added on which increases the loan making it unaffordable. They want to ruin our chances of ever being able to make affordable payments because nobody will even consolidate that amount of loans. We are in a no-win situation with them. Please help us.
11/23/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with additional add-on products or services
  • FL
  • 33604
Web
I got a personal loan in the amount of {$27000.00} from Discover Bank on XX/XX/2022 to refinance an existing loan with XXXX. Discover Bank disbursed the payoff amount of {$26000.00} in form a check that was mailed to XXXX XXXX via XXXX on XX/XX/2022. I received {$20.00} as direct deposit to my checking account. When I called XXXX on XX/XX/2022 to inquire about the payoff, the phone representative told me that it takes up to XXXX business days to receive a mailed payment and to check back with them next week. When I called Discover Bank the same day, they told me that the payment had been mailed but the check had not been cashed yet and advised me to wait the XXXX business days before inquiring again. When I called XXXX on XX/XX/2022, I was told that no check had been received, but it would take another XXXX business days from receipt of the check to posting to the account due to the processing system they have in place. So check back with them in XXXX days. I called Discover Bank the same day to find out what had happened to the check for the payoff of my loan and they told me that the check had in fact been cashed on XX/XX/2022. They told me to get the fax number for XXXX XXXX so that they can send proof of payment. I called back XXXX XXXX, told them the check had been cashed according to Discover, but the rep insisted that nothing had been received yet and gave me the fax number to sent the proof of payment. I called Discover again, gave the the fax number and they sent the proof of payment to XXXX XXXX on XX/XX/2022. I was also told again to wait another XXXX business days to let the process be completed by XXXX XXXX. When I called XXXX XXXX and Discover Bank on XX/XX/XXXX, neither XXXX of them was able to give me an update on the missing check/payment. XXXX XXXX insisted that they had received nothing and Discover Bank insisted that the check had been cashed. When I asked Discover Bank to start the retrieval process they told me to wait another XXXX days. When I called on XX/XX/XXXX XXXX XXXX still claimed that they had not received the payment or even proof of payment. Discover Bank finally agreed to start the retrieval process, but told me that they might not be able to get the payment back and that I would be responsible for the now missing {$26000.00} although the money was never sent to me, but XXXX XXXX.
10/10/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • OK
  • 73013
Web
Issues with Discover Price Protection Claim. I purchased a TV on XX/XX/XXXX for {$1300.00} using Discover Credit card with an online retailer. I noticed the same item was on sale on XX/XX/XXXX for {$1100.00} through a different online retailer. Rather than returning and re-buying, I decided to use the Price Protection benefit offered by Discover Credit card for the difference in the prices which is {$250.00}. For this claim I submitted the following documents as requested by the Discover Benefits XXXX following all directions correctly. 1. The Sale receipt showing the price I paid ( {$1300.00} ). 2. Credit Card Statement from Credit Card showing that I used their card for purchase. 3. Lower-Price Ad ( Screen shot or scanned copy of advertisement showing the lower price ) - I submitted the screen shot showing the date that the item sale price. I have 90 days to submit the claim. I submitted within the first month all the above. Now the Discover Benefits center is not processing my claim telling that items are missing. They sent an email saying this, " We were unable to verify the advertised sale price. Please submit verification of the sale price. The verification may be a written statement from the store manager on store letterhead, email, or chat session including item number, description, date, lower price and contact number '' If they required such things to process their Price Protection claim they should have mentioned these list in the first place. In terms and conditions they have not mentioned the requirement of any of these. Now dating back I am not able to get the online vendor to verify the price for me. There is no use for me to resubmit the Price Protection with the same or different vendor as the prices have gone back up to {$1300.00}. Although this Price protection feature is going to be discontinued from XX/XX/XXXX, I will be very reluctant to use any of the benefits that a credit card claims. Talking to the Discover Benefits center customer service or manager did not help as they keep repeating the same thing that they could not verify the price that I claim as they do not trust the screen shot from my computer. In that case they should not have the ask for screen shot to process the claim if you do not trust it. I am extremely unhappy about the way Discover is handling price protection claims.
01/27/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • NY
  • 11692
Web
I have a credit card with Discover for the past few years, i set up auto pay on the account a few months after getting this credit card. The monthly payment been coming out of the account for years. In XX/XX/XXXX i checked my account online ( I have online banking with this account ) and the website stated that i owed XXXX dollar plus XXXX late fee. I called the credit card company and i was told " the company was not able to get the money from the bank for XX/XX/XXXX '' i gave the customer service a new account ( XXXX XXXX ) and i was told that the payment went through. At that time i set up account alert. A few days after making this payment i got an email stating that i owed 2 months payment. I immediately though that is not accurate because i paged for XX/XX/XXXX, XX/XX/XXXX and also set up auto pay with the new XXXX XXXX account. I called customer service again and after the agent repeat the information the routing number she has was not correct. I repeated the check information and a payment of XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. A few days after i checked my credit and i saw a late payment on my credit history, from Discover card, which i know was put on my account recently, i check my credit score twice per week. Because of this company my credit score drop from XXXX to XXXX. No one from the credit card company have ever call me, or send me an email to notify me that the payment did no go through. Back in XX/XX/XXXX if i have never checked my account, at this time and date i would have owed three months payment and no one from the company would call or email me about this situation. After being aware of the problem i called many times to make sure everything was corrected and no one notify me about the problem. But, yet the company is quick to report me stating that i made a late payment. I have auto pay and all my credit cards therefore, each month each credit cards get a payment. And to see this late payment on my credit i am very dissatisfied with this credit card company service. Now i do understand when many people tell me about their experience with these credit companies, and why they top paying there credit card bills. You try to do the right things and you still get yourself in trouble. And they don't care about there customer. If this issue is not solve i am going to sue this credit card company.
11/01/2017 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • NV
  • XXXXX
Web
The Discover headquarters is the XXXX address you have listed, but your complaint does not fall under the jurisdiction of the XXXX Police Department. Here is a link to the Consumer Financial Protection Bureau, a U.S. Government agency. You can make a complaint on this page. https://www.consumerfinance.gov/ XXXX XXXX XXXX Chief of Police XXXX XXXX XXXX XXXX XXXX XXXX Office XXXX ext XXXX Dispatch XXXX On XXXX,XX/XX/2017 at XXXX XXXX, XXXX wrote: To whom it may concern: Discover Card has now (and for going on 3 months!) owed me over $1,400.00 and they will not return it to me...they sent me a check for XXXX! It is very hard to find out exactly where Discover's headquarters are. Calling them is like sticking pins in your eyes! They took my money (refundable deposit) out of my bank and in less than 2 days! But now going on 3 months later, and they do not want to give it back! I am considering this THEFT and PERSONAL INJURY! I want to FILE a POLICE REPORT and SUE DISCOVER. ONLY because of DISCOVER I have been having trouble paying my rent and bills and scraping up enough money to eat! I am XXXX and have been on SSDI and for now going on XXXX years. I am a former XXXX XXXX and I have served overseas. 4 months ago I moved back to the states and that was after living with my wife for XXXX years in XXXX XXXX. I asked one of your state's US Congress people for help...a big waste of time, of course! If you don't want to help, then do you think that your GOVERNOR will? The best addresses I can find are: Discover Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My contact information: Omited Thank you for taking the time to review this and for any assistance that you can provide. Kindest regards, Omited / Replaced with: Sick and tired of all of this Political Correctness NONSENSE and basically AMERICA nowadays in general. Don't ask for help with anything. [They] only care about protecting the wealthy and powerful crooks out there. Not enough PRISONS in America. Bring back the ELECTRIC CHAIR and let's start having Saturday Night Live with Old XXXX. I can't wait to move back to XXXX...at least they aren't such cowards there, and their only form of Execution is still HANGING.
04/26/2016 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • MO
  • 63137
Web Servicemember
In XXXX XXXX we were served with court documents indicating that Discover Bank and their counsel XXXX, XXXX and XXXX filed suit against us in a debt that we allegedly owed Discover Bank. On XXXX XXXX, XXXX, we contacted XXXX XXXX under our XXXX XXXX service to ask for advice regarding this case. We can not afford legal counsel but through our XXXX XXXX membership an attorney was able to offer limited help. XXXX XXXX sent a letter to XXXX, XXXX and XXXX on our behalf asking for verification of the alleged debt. The letter stated that neither the XXXX XXXX Attorney nor XXXX XXXX would be entering an appearance on our behalf and that we have no money for representation in court proceedings thus all communication should be sent directly to us. On XXXX XXXX, XXXX, XXXX and XXXX, counsel for Discover Bank erroneously sent validation documents to XXXX XXXX. XXXX Judge forwarded the exact documents to us. Upon review of the documents it was discovered that counsel for Discover Bank provided Discover Bank Statements of debt owed by XXXX different individuals, neither of these consumers are related to myself or my husband. On XXXX XXXX, XXXX XXXX Judge sent a letter to XXXX, XXXX and XXXX, counsel for Discover Bank, making counsel aware of the error XXXX, XXXX and XXXX made and their privacy breach. Counsel did not respond to this letter and when we appeared in court on XXXX XXXX, XXXX my husband and requested a dismissal of this lawsuit due to XXXX, XXXX and XXXX ' mishandling of this case ; in sending documents to the incorrect party, and the privacy breach in providing Discover Statements ( validation ) for XXXX individuals that are not related to the case filed against us by Discover Bank. Counsel has responded with conflicting arguments that XXXX XXXX and our debt management company sent the wrong documents to us and that the breach was not their fault. It is impossible that our debt management company made the error due to the date we received the documents. XXXX, XXXX and XXXX represents Discover in this case as well as many others, giving them access to Discover 's Consumer information. XXXX Judge does not represent Discover Bank in any way and has no relationship with either consumer who 's private information was divulged. It is also still unknown where the validation documentation of our debt was sent initially.
10/23/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NC
  • 28273
Web Servicemember
Discover has been dragging my dispute out since XX/XX/2020, which they have made a final conclusion on XX/XX/2020, despite incontrovertible evidence showing that the merchant was paid twice and was supposed to refund the amount back to my card ; in other words Discover was supposed to credit back the amount that was charged to my credit card by the merchant because the receipts showed that my company had paid the merchant ( XXXX XXXX ) for my stay. To give more clarity, this was a 'paid by other means ' dispute for which I had to prove through documentation that the merchant was paid twice. I provided said documentation by sending XXXX receipts which showed the account it was paid out of, the merchant it was paid to ( XXXX XXXX ), and the date/time it was paid which also outlines it was the same day that my credit card was charged. I had followed up every other week to check on the status of this dispute and every time I spoke with a representative I was told a supervisor would give me a call within 72 hours. Some representatives gave a slightly different narrative and said a supervisor would call me within 24 hours, or 48 hours, and even in some cases I was told they would get back to me within a week. 5 months later and I was still waiting on a phone call. They have been ducking and dodging me for the past 6 months now while I've been struggling and diligently calling to push for a resolution because I had submitted all of the requested documents. When I was finally able to get a hold of a supervisor a few weeks ago, he had expressed to me that " if I was part of the back office and I had reviewed your case there would have been no question that I would have decided in your favor '', but unfortunately it wasn't his decision even though it should have been because he stuck to the facts of my case, and those facts are that I had sent in receipts and even had my company send a letter stating they had paid for my stay at XXXX XXXX and therefore my credit card should have been adjusted to show a refund. It bewilders me that Discover would make a decision in favor of the merchant despite me providing proof for me case. It almost seems like Discover bank is in the business of protecting the merchants and not their cardholders nowadays. Anyway, I will attach all the documents and receipts below that argue for my case.
02/18/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 11226
Web
In XX/XX/XXXX I had a dispute opened for {$48.00}. I never received any information from Discover about the status of the dispute via letter or email. I just recalled the dispute in XX/XX/XXXX and see that the dispute was found in the merchants favor. I received no contact from discover regarding this at all. The purchase was made through XXXX but the merchant was a different party XXXX. The items I purchased were not working on arrival but the merchant provided no way to return the items. The website has no return address and when I emailed the merchant multiple times they did not respond. After I opened the dispute the merchant eventually provided a returned address but no label or anything. I returned the items 2 weeks later and paid shipping out of pocket. No refund from the merchant. No communication from discover regarding the dispute. Additionally, I provided an extensive amount of proof to discover that was ignored. Apparently Discover disputes purchases made through third parties like XXXX through the third party and not directly with the merchant which means no objective investigation can actually be done into the validity of my dispute other than to them requesting a proof of authorization from XXXX. My dispute was immediately closed without any further investigation because they reported to XXXX that I was disputing the purchase on the basis of it being unauthorized, which is NOT what I disputed.After contracting XXXX twice they confirmed that the information discover gave them indicated the transaction in question was UNAUTHORIZED, I did not file the dispute as an unauthorized purchase and as a result of this I can no longer file a dispute with XXXX. As I have been told multiple times from different representatives at discover, they can not directly contact the merchant, it must be done through XXXX. So as a result of their incompetence I'm left with no remedy as the dispute was closed by discover and XXXX can not undo the banks decision. Ive tried multiple times to get the dispute reopened by discover as at least I would then be able to go through XXXX and they could contact the merchant and verify the validity of my dispute but that option is no longer open to me as paypal can't reopen the dispute only discover and they have refused to do so despite it being the fault of their incompetent dispute team.
05/09/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • KS
  • 66062
Web
I made a purchase from a company back in XX/XX/XXXXand put it on our Discover card. The company 's name was XXXX. I purchased two supplements for my dog : XXXX XXXX and XXXX XXXX. My dog has taken these supplements in the past. The supplements purchased from XXXX made her sick twice within one hour of taking them. I immediately took her off of the supplements and notified my vet. I have filed complaints against XXXX with my state attorney general in Kansas, the Iowa Board of Pharmacy, and the FDA. I disputed the purchase with Discover around the beginning of XX/XX/XXXX. I am not returning the products because the FDA will need them for inspection when requested, specifically because XXXX did not purchase these supplements directly from XXXX XXXX. Instead, they purchased them through a third party. XXXX XXXX states because they were purchased through a third party that they can not guarantee the product is not tainted, counterfeit, or expired. I am including a copy of my reports for your records. Initially, XXXX tried to make me believe this product was purchased directly from XXXX XXXX when I inquired, but due to their vague answer, I continued to press. They then refused to say where they bought it from citing they can not disclose business relationships. Discover initially removed the charge from the credit card. The only formal notification they sent me was on XX/XX/XXXX. It stated they were removing the charge from my credit card but would reapply it if XXXX gave them supporting documentation of the validity of the charge within 60 days of the letter. As stated before, this charge was disputed around the first of XX/XX/XXXX, so clearly this letter should have been sent out earlier. A couple of days ago, Discover reapplied it recently without notifying me. I only found out about it when I logged into the account to make a payment on another purchase. Prior to filing the dispute with Discover, I repeatedly requested XXXX remove the charge from my credit card. I did this in writing by e-mail at least three times, and they never once responded to the request to remove the charge. In addition, Discover asked for no supporting documentation from myself to support my claim for the dispute. The way Discover has handled this dispute does not leave a good impression on me. This account has been open only a few months.
07/08/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30345
Web
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DISCOVER BANK XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : BXXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY
07/08/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30345
Web
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DISCOVER BANK XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
11/19/2017 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • NY
  • 136XX
Web Servicemember
Im not sure that anything illegal has happened but more unethical. This loan was originally secured through XXXX XXXX in XX/XX/XXXX at which time XXXX year old me had been accepted to a school in AZ. XXXX XXXX told me that my interest rate would be 'prime plus 1 percent ' which would have been around 7 % at the time. Once I had traveled to AZ and signed a lease for an apartment, the finance department had me sign for the loan which suddenly was 14 %. Locked into a lease and 3000 miles from home, I signed the loan agreement. Later in XX/XX/XXXX I joined the military and this loan was put into deferment. The loan, and myself moved around a lot. As the loan was sold and repurchased and as I moved from station to station ( up to four times in a year ) I lost track of the loan which had been ballooning up to XXXX from XXXX. Trying to acquire information on the loan through the lenders is nearly impossible. Even when the loan stays with a bank they rename and format the loan information and when asked for payment history, I receive a hand typed XXXX file with 'loan fees ' and other various information on it that the bank is unable to explain to me. I have been paying off the loan have it down to XXXX now but recently left the military to pursue college once again with my government benefits. When I started school the bank automatically differed the loan that I had been paying on without any contact to me. I only realized when checking my bank and noticing that the loan payment had n't been deducted. Then upon reestablishing my automatic payments, the payment I made was put towards the next month, allowing another XXXX dollars of interest to accrue. After all of this I was going to get a 0 % credit card with XXXX balance transfers and put the card there until tax season when I would pay it off ( I have the money now but it would be a huge stress before XXXX ) but Discover now tells me that they do not accept credit card transfers. This is absurd. I may have been able to do this with the other banks that held the loan but during the bank process of reacquiring the loan, I apparently just have to accept the terms and conditions of whatever new bank wants to give me? I feel there is little protection for consumers, especially considering the age and ignorance of a XXXX year old against such a financial institution.
04/24/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 76137
Web
I received an alert fro m the discover indi cating that my account was going to overdraw if I did not make deposit before XXXX I believe eastern time. I went ahead and followed their instructions on the email and set a transfer before that time frame on XXXX / XXXX / XXXX so they would considered as settled even though the actual fund availability would take longer to credit the account ( according to the m ). Well tow ards the end of the day XXXX / XXXX / XXXX discover decided to recall the accidental withdraw that was occurring in the account and assess a return fee. Keep in mind that they were recalling a payment from their own institution a Discover Credit Card payment ( which they will most likely assess a fee on their card side as well ). This institution has no actual sister branches or self standing bank to make the deposit to cure d efault. This institution has no check accepting ATM contract with anyone to try to cure or make deposit that way. Their mobile check deposit according to them will be held at the same standard as if you were setting up a transfer. They have an overdraft system where they require you to open a savings account with a minimum of { $1000.00} ( not everyone has {$1000.00} dollars sitting around especially college students ). T heir checking product has this service where you gain cash back, I have around {$61.00}, previously I had tried getting to redeem these actual funds held by discover to correct a similar situation. They did the same thing and took their time to credit the checking account from funds they were holding. After I told them this apologize and provided a refund acknowledging that they had not been cleared that cash back gained from their check product also took time to credit checking account. In all this bank will not give any ability whatsoever to make deposit that will cover any outstanding withdraws but quick to charge you a fee and return the withdraw when they please. Also, I have had similar situations with this bank where they did allow the overdrawn account to sit while a deposit I made settled and no fee or return withdraw happened. I do n't understand how this bank expects you act promptly when they can not act promptly or understand that due to their lack of access you can not do much but try to correct an issue through avenues they provide.
09/08/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MI
  • 49048
Web
The statements that are currently are an issue are as follows XX/XX/XXXX {$500.00} XXXX {$1500.00} XXXX {$3000.00} XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX {$50.00} XXXX {$1000.00}. The actions I took were reporting IMMEDIATELY after receiving notification of these charges occurring. I have been battling an uphill battle proving my identity and trying to prevent these charges from occurring since losing my laptop on vacation while in XXXX. The laptop was stolen while I was snorkeling which contained ALL of mu information from bank statements pending job applications with my social security number card information etc and ever since, there were unauthorized logins to my XXXX which has since been resolved my bank account, credit card accounts, email, XXXX and the list goes on. Unfortunately, all of my passwords were the same along with the same email ( I have since most definitely learned my lesson and changed all of my passwords ) however, the charges started to roll in shortly after this. Even before getting back into the United States, my bank account was breached with wire transfers going to the XXXX Police and after a few card transfers XXXX had me switch my bank to a new bank account. The charges did not stop, loan applications were made in my name, even more charges kept happening and I was continuously putting out wild fire after wild fire until the beginning of XXXX. I had took my phone to a XXXX XXXX employee and explained what was happening as it was a last resort and recommended by a very helpful woman from XXXX fraud department. The XXXX XXXX employee was able to find 2 files on my cell phone under the root storage file that ended in XXXX and XXXX which he stated are used by hackers to mirror my device onto an external device and control it via a separate electronic device. I work 12.5 hour shifts on a military base and am unable to be around my phone so this access would go unnoticed very easily. Ever since the XXXX XXXX employee did what he did, not a single unauthorized transaction has occurred on any of mu cards. The problem appears to have been fixed however, I am still taking precautionary measures and limiting the amount of use my cards receive on online purchases as well as locking the cards after each use. All other companies have resolved my fraud issues the only one who has not is Discover.
04/22/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30045
Web
Date of Occurrence : XX/XX/XXXX Amount involved : XXXX Company involved : Discover Bank ( FDIC cert # : XXXX ) Nature of Complaint : On XX/XX/XXXX at XXXXXXXX XXXX EST we were unable to login through our mobile banking and prompted to call Discover. When I called we were transferred to to the Fraud department. I spoke with XXXX in XXXX, AZ initially. She explained that our account had been closed due to a " Business decision '' and that we no longer had access to the funds. There was no explanation given and we were not allowed to speak to a supervisor. We were told a supervisor would call us within 24-48 hours. I asked when the funds would be released and she said after the investigation is closed, they would issue after 60-90 days. I explained to her that I am XXXX and due in 60 days, that we are set to close on a new home in 30 ; all to her telling me there is nothing she can do. Over the next few hours I proceeded to call back and attempt to speak to a supervisor. I spoke with multiple representatives all who told me the same scripted message, " a business decision was made to close your account. '' After 3 hours I was transferred to XXXX in XXXX, AZ again ; she proceeded to cry and said " I want to tell you something that is happening but I could lose my job. '' That threw up a red flag for me immediately. She finally transferred me to her supervisor, XXXX ( also located in XXXX, AZ ), who proceeded to tell me the account was closed by a malfunction in the computer. However, there was nothing he could do on his end. On XX/XX/XXXX I spoke with XXXX in Discover 's Fraud department who told me again that the account was closed. I probed further and she finally disclosed that it was due to a check I deposited which included my middle name rather than my legal name ; therefore this was suspicious to them and it was a " Business decision '' by Discover to close the account. I asked why they didn't contact me to confirm that this was actually me, and she informed me this is not how Discover operates. I continued to ask her what we are to do without any money for the next three months and she had no resolve ; stating " it's out of my control. '' Action taken by Company : None. They have not reached out to resolve and they are locking down all funds we have for the next 90+ days without any alternative options.
08/21/2016 Yes
  • Credit card
  • Rewards
  • IL
  • 615XX
Web
Dear Sir/Madam, I have used Discover credit card for more than 10 years. About 1 year ago ( XXXX XXXX XXXX I figured out after calling customer service ), I called their customer service to apply for Discover IT card to take the advantage of better cash back terms as it offers 1 % and double-cash back for first year. I was told that they could convert the one I had with them to IT card and get the same benefit and I did so. My card thus became Discover IT from XXXX XXXX, XXXX. I was told I will get 1 % first for every month and double cashback bonus will be applied to my account after 1 year. XXXX XXXX, XXXX I use their online chat to check my double cashback status. I was told this time it was not applied to my account. The notes do n't include the full phone discussion and no such terms documented thus there 's no way for them to provide me double cashback. They said I could apply another IT card now to get the double cashback. Of course that 's not my expectation as I supposed to get it already. Obviously it is a situation the customer service person made some mistake 1 year ago. I asked them to review the full phone-conversation. The online chat supervisor said they could n't do it and asked me to call the service phone number. I made the call that another supervisor told me they could only review phone conversation within 60 days, and only way to review earlier date is through subpoena. He could n't do anything. Discover card is a big company, I felt I was ripped of as their customer service is not considering their customer 's benefit even at the minimum level. Below is some related facts, 1. Called the customer service on XXXX XXXX, XXXX and was told I could get the double cashback benefit with the new IT card. 2. Double cashback would be applied at end of first year, XXXX XXXX, XXXX. 3. Discover mentioned even it was told me 1 year ago, they could n't confirm it as 60 days are the limitation for the phone conversation they can review. 4. No way I could know if I would have double cashback in 60 days. 5. Only subpoena could get the conversation. They might think nobody will do so as the cost associated with this. They are not willing to make any further actions to resolve or understand the issue. Such a bad experience with a renowned company and would like to warn any customer with them.
12/02/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94551
Web
To : XXXX Re : XXXX XXXX XXXX Discover credit card account that is not mine XXXX I wish to make a complaint against a debt collector, XXXX XXXX XXXX XXXX who are in violation of the California Fair Debt Collection Practices Act and the federal Fair Credit Reporting Act. I have been the victim of identity theft. Discover had claimed they issued a card to a person with the same first name, but a different last name than me, and now Discover and the company they sold the debt to, XXXX XXXX XXXX, claim that this account is mine. This identity theft Discover account has been added to and is negatively impacting my consumer credit files since XX/XX/XXXX, despite the numerous disputes and certified letters with documentation including my FTC Identity theft report, my police report, and proof of my identity -- that I have sent to Discover, XXXX XXXX XXXX, and the XXXX XX/XX/XXXX, and XX/XX/XXXX. I do not have an account, nor have I ever maintained an account with Discover. Discover claims that the account was opened via an internet application we received on XX/XX/. Note that the account was allegedly opened for a person with the same first name, but a different last name than me. I have never had or used any other name. Any person or persons with my stolen identity credentials and malicious intent could have opened this account via the internet. XXXX XXXX XXXX and Discover refuse to provide any contractual documentation to me regarding this account. Further they refuse to remove it from my consumer credit files despite the fact that I have, on multiple occasions, provided them with all of the documents theyve requested proving my identity and the fact that I have been the victim of identity theft. The latest certified mailings I sent them with this information was on XXXX. I have repeatedly contacted both XXXX XXXX XXXX and Discover in my efforts to resolve this issue, but they have not removed this account from my consumer credit files and XXXX XXXX XXXX continue to harass me in regards to this debt. There is no pending court action and I have not filed a lawsuit regarding this matter. The resolution I am seeking is for XXXX XXXX XXXX to cease contacting me regarding this debt and to remove all instances of it from my consumer credit files. I further request that Discover be compelled to do the same.
06/05/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • OR
  • 97211
Web
I have two balance transfers through Discover. One is due on XX/XX/XXXX and one is due on XX/XX/XXXX. I recently made a payment of {$2000.00} on my account so I could pay off the amount that was due on XX/XX/XXXX. I checked in today and Discover told me I have an active balance of {$1600.00} on the balance that is due on XX/XX/XXXX. I think, well, this can't be correct. It turns out they applied my entire payment to my OTHER balance transfer, the one that is due a year from now. I went through a representative who wasn't able to help me and spoke with " XXXX '' from XXXX, AZ. He assured me that this is normal and that there is NO WAY to either reverse the charge or apply it to the correct balance. He also told me that there is no way to PAY on that balance, until the entire balance on my balance due in XXXX is paid which sounded even more ludicrous. I asked several times if there was any way he could help me on this and he just kept doing a copy/paste job on what on some scripted text they have. Even after I told him my family would go hungry if I had to pay an additional {$1600.00} on top of the {$2000.00} I already gave the company that month. He kept stating there was nothing he could do. Then after doing some XXXX searches, I found you, you can indeed request the company to reverse your over payment back to your bank account, I told XXXX this and he said " well I didn't think you would want that option ''. Long story short, I'm supposedly getting the {$2000.00} sent back to my bank account, so now I can wait till my balance transfer expires and then and only then I can make the full payment on it. This entire thing made me super skeptical of Discover 's business practices. They're definitely using some loopholes to benefit themselves over the customer and instructing their supervisors to not budge or refund money unless explicitly asked. Once my account is paid up I will be closing this card and running far far away from Discover. Your company can do better than this. I will likely now have a ding on my credit report for letting the balance transfer " expire '', but they've literally given my no other option than to pay the entire balance in full. Very deceptive, predatory practices. XXXX also refused to give me contact information when I wanted to file a formal complaint, so here I am on consumer finance.
05/14/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 787XX
Web
I am a XXXX XXXX XXXX at a XXXX XXXX XXXX who is XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) of life insurance policies in our book of business ( including my own ). This morning, XX/XX/2020, I processed two policy loan disbursements against the cash value of two of my own life insurance policies. I used the mobile deposit feature of Discover Bank 's mobile app to deposit the two checks into my Discover Checking account ( a process I have completed at XXXX XXXX XXXX without fanfare many times in the past ). A few hours later I received an email from Discover stating I needed to contact them immediately regarding " unusual activity on [ my ] account '' and that they had frozen my accounts. After being hung up on, I called back. The second person asked for my full social security number, which I refused to provide ( the first person did not need this information - nor did anyone else I subsequently spoke to ). I was abruptly and rudely transferred to the 'front office ' by the second rep. Eventually, I was put in contact with a specialist, XXXX. Not sure what department she was in or what she 'specializes ' in because she didn't seem to think it was prudent to identify herself. For whatever reason ... After some two factor authentication and a bit of back and forth, XXXX advises my accounts ( both checking and savings ) have been frozen for 10 days to make sure the checks clear. This makes absolutely no sense at all. I can understand putting a hold on the funds I deposited or only making part of those funds available ( the mobile deposit feature even notifies you that only a part of the deposited funds will be immediately available ). Sensible enough. However, I can not understand why Discover Bank would think it was even remotely acceptable to freeze both my checking and savings accounts for 10 business days - two full weeks from today. I gave XXXX the check numbers and account information for XXXX XXXX XXXX, where funds are distributed for XXXX XXXX XXXX XXXX XXXX life policies. She said she would call XXXX XXXX XXXX and verify the checks to unfreeze my account. She said she would call me back no later that XXXX Central Time. I never received a call back. I have no access to my money. How am I supposed to pay bills? How am I supposed to buy groceries? How am I supposed to put gas in my car?
11/07/2023 Yes
  • Student loan
  • Private student loan
  • Problem with a company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • NY
  • 11103
Web
Discover Student Loans used me as a co-signer without my Authorization. I was unaware of the situation until the missed payments on the loans and Discover reached out to me for payment. I had a conversation on XXXX XXXX XXXX ( they won't give their last names ) where she gave me the following information on the loans : 1st Loan XXXX opened XXXX XXXX current balance is {$10000.00} balance as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX current balance is {$4900.00} balance as of XXXX XXXX XXXX XXXX XXXX I asked how the Discover loan officer and the borrower could use my information without my consent. Discover would like me to open a police report and file a civil lawsuit. I am more concerned about how many victims are going through what I am going through regarding inadequate processes at Discover Student Loans to obtain approval. It's similar to the Banks XXXX XXXX XXXX XXXX XXXX XXXX etc. ) opening up accounts without the owner 's consent. I called to follow up today, XXXX, and spoke with XXXX ( they won't give their last names ). She told me that XXXX was the investigator assigned to my case and was told to file a police report and resolve the problem in civil court. I asked to speak to a supervisor, and no one was available to escalate the situation, giving me no choice but to file a formal complaint with the attorney general of Utah, as the corporate office is located in Utah. I genuinely believe that I am in the situation I am in right now due to the lousy process and procedures being allowed to get loan approval at Discover Student Loans. This is becoming an issue now as it will prevent me from purchasing a new home. I have also reached out to the Attorney General of Utah with a formal Complaint. the investigator recommended I open a complaint with the FTC which I am doing now. they also mentioned " XXXX refused to speak with me without you on the telephone. I am still trying to get some information regarding your account. According to the person I spoke to, the telephone I gave them XXXX XXXX XXXX XXXX does not relate to any loan in their system. they will attempt to send a second letter to XXXX and we'll see what happens. '' it's funny how Discover student loan tells the investigator that my number does not come up in the system while they call me to collect every other day.
08/15/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30291
Web
XX/XX/2018 I WAS REPORTED LATE - WITH DISCOVER CARD - I WAS NOT LATE - THERE SYSTEM DID NOT ALLOW ME TO PAY ONLY ONE PAYMENT METHOD BY CHECKING ACCOUNT - I DO NOT HAVE A CHECKING ACCOUNT AND THEN THEY SENT ME AN EMAIL TO SIGN UP FOR A LOWER PAYMENT AND SPREAD IT OVER 3 OR 4 MONTHS AND FIRST PAYMENT HAD TO BE MADE BY XX/XX/XXXX I TRIED TO DO THAT AND WOULD NOT ALLOW ME TO PICK THE DATE 0 THE SAME DAY I FINALLY GET A REP THEY REPORTED - THIS IS NOT VALID REPORTIING - THEY STATED THT MY CYCLE REPORTED ON XX/XX/XXXX AND I ATTEMPTED SEVERAL TIMES TO MAKE A PAYMENT THE EMAIL WAS SENT XX/XX/XXXX I TRIED TO MAKE A PAYMENT ON THAT DATE ACTUALLY THE WEEK BEFORE, SO IF THEY TRACK EVERY TIIME WE LOG INTO OUR ACCOUNTS THEY NEED TO PULL THAT INFORMATION AS WELL AS THE PHONE CALLS OF ME ASKING OTHER FORMS OF PAYMENT AND NO ONE EVERY GIVING ME ANY OTHER FORMS BESIDES. THIS N IS NOT MY FAULT I WAS NOT LATE - I WAS ABLE TO MAKE PAYMENT PRIOR TO XX/XX/XXXX AND WAS NOT ABLE TO DO TO THE SYSTEM - ERROR - I CONTACTED DISCOVER CARD THEY STATED THAT THEY CAN NOT REMOVE THE LATE UNLESS IT WAS THERE FAULT - WHEN I TRIED TO DO THIS PRIOR TO AND WASNT ABLE TO DO THE PAYMENT DUE TO SYSTEM ERROR THAT IS THERE FAULT NOT MINE - I TRIED TO FULFILL MY OBLIGATIONS - AND YET I AM BE PENALIZED FOR THERE SYSTEM ERROR, WHICH IS NOT FAIR I TRIED EVERYDAY THE WEEK OF THE XXXX - TO PUT THE INFO IN AND DID NOT TAKE IT, I WOULD LIKE ALL CALLS PULLED ON WHEN I ASKED FOR OTHER FORMS OF PAYMENTS AND WAS TOLD THAT I HAD TO SIGN ON LINE OR THEY CAN DO IT OVER THE PHONE. TODAY XXXX THE REP - SAID OH YOU CAN MAKE A PAYMENT THRU XXXX XXXX - I HAVE NEVER BEEN LATE AT ALL ON THIS ACCOUNT SINCE I HAD IT - I HAD ONE ISSUE WITH MY PREPAID ACCOUNT AND THEY DO NOT ACCENT THAT ACCOUNT AND THAT IS IT. DISCOVER CARD CLEARLY CAN ASSIST BECAUSE IT WASNT MY FAULT WHEN I TRIED TO DO HAS THEY ASKED,. THE SUPERVISOR EXPLAIN THT HE CAN FLAG MY ACCOUNT FOR DISPUTE - THAT IS, - THIS IS DEFINITELY UNJUST AND EFFECTING ME TREMENDOUSLY. MY CREDIT SCORE AS DROPPED TREMENDOUSLY I WAS UPDATE DXX/XX/XXXX ON XXXX MEAN WHILE THAT DAY I FINALLY WAS ABLE TO GET SOME ONE, WHO DID NOT SET ME UP FOR WHAT DISCOVER CARD EMAILED ME - BUT FOR A REGULAR PAYMENT AND STTD THT IT WONT UPDATED AGAIN UNTIL AFTER THE XXXX - THIS IS A COMPLAINT THAT NEEDS TO BE LOOK UPON BECUASE IF I TRIED TO MAKE THE
07/25/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued where didn't live/sign for debt
  • CA
  • 92394
Web Servicemember
I am being sued by Discover Financial Services in the state of XXXX. The debt I created with Discover Financial Services was created in the state of XXXX. I did not sign for the debt in the state of XXXX. Why am I being sued in the state of XXXX? Also, I received a letter from XXXX XXXX , Executive Office of Customer Advocacy for Discover, dated XXXX XXXX, 2015. This letter was pertaining to an investigation that discover performed concerning my previous CFPB complaint. She stated that XXXX XXXX group reported that there were XXXX repayment options offered to me which I declined. This was a false statement made by XXXX XXXX XXXX. I was offered only XXXX payment option which was a 60 % reduction of the balance in a XXXX lump payment or XXXX monthly installments. I declined the offer because I thought the debt had passed the statue of limitations to be sued on in the state of XXXX. So, I decided to make a complaint to the CFPB for relief of this debt. Additionally, the XXXX XXXX XXXX stated to XXXX that I declined another offer of a XXXX year repayment plan. The law group never made an offer of a XXXX year repayment plan to me. This is false. When I spoke to XXXX XXXX, a lawyer at XXXX XXXX XXXX, I told him that they never mentioned more than XXXX option of repayment to me ; however, if there is another option for me, I would prefer a 60 % reduction of the balance with a first payment of {$3100.00} and the remainder to be divided into XXXX monthly installments of {$260.00}. XXXX agreed that this was a doable arrangement ; however, I did not hear from him anymore on the matter. I faxed him a copy of XXXX XXXX ' letter for his records. I received a letter from XXXX XXXX XXXX dated XXXX XXXX, 2015 stating that they have verified my debt with Discover and it is their intention to continue with collection activity. I was instructed to consult an attorney if I have any questions about my liabilities. I have made two attempts to make a financial arrangement to settle this debt ( my XXXX offer was a lump sum of {$3000.00} dollars ) and XXXX XXXX XXXX does not appear to be willing to settle this debt in a civilized manner. I am trying to avoid payroll garnishments and unauthorized withdrawals from my bank account. As a consumer, what can I do to protect my assets when I have tried to make repayment arrangements?
12/13/2022 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Company closed your account
  • VT
  • 053XX
Web
In XXXX, my previous banking, XXXX XXXX XXXX Bank ( in the northeast ) was acquired by XXXX XXXX XXXX Bank. Due to certain fees and other rules that came with my funds staying in XXXX & XXXX accounts, I had decided to take my funds out of the account and move them to a HYSA ( High Yield Savings Account ) and split the other into a checking account through XXXX XXXX. I chose Discover for my HYSA, and moved around half of my funds ( XXXX ) into this account from my XXXX XXXX XXXX Account with no issues. I then worked to close my XXXX XXXX XXXX Bank account and transfer the money over. I had some issues transferring the funds, as I attempted to transfer the rest of my money in the XXXX & XXXX account over ( {$4600.00} ). However, due to some unrelated issues regarding me accidentally transferring more than I had in the XXXX & XXXX account at the time ( due to an automatic bill payment occurring in the process ), there were some issues in transferring. Ultimately, I was able to take my money out of my XXXX XXXX XXXX account in Branch in order to prevent this from reoccurring and deposit it into the Discover account ( on XX/XX/22 ). However, in this process, Discover removed my access to my account immediately after, and when I called later that week, I was told my account was closed due to a " business decision '' and that I would be sent the money within the account by the end of a 30 day period. This, however, did not occur and I failed to get any help from the organization. On XX/XX/22, I was able to access my account online, but was only able to see that I had money in this Discover account. From this point, I was unable to remove any funds even after Discover had told me they had closed it. It appears this account is in some sort of limbo that was supposedly resolved in XXXX, though I still have No access whatsoever to these funds. I have attached XXXX documents labeled in order from 1-3 : 1 is the original message confirming my deposit on XX/XX/22, XXXX is a message saying the deposit would be delayed due to the amount ( XX/XX/22 ), and the third a message from today showing what occurs when I attempt to withdraw or transfer funds ( an issue that others I know with a Discover HYSA do not have ). Thank you to whoever reads this, I appreciate your time and hope this can help me get all of my savings back.
09/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33511
Web
I went into XXXX XXXX to have XXXX XXXXut on rims that i purchased for my new XXXX XXXX that already had tires and rims. Before he even puts the rims on that i purchased from XXXX he charges me {$130.00}. Than he comes back and says we broke one of your sensors so we have to charge you to put new ones and. How is that my fault? As long as you put XXXX sensors in fine he said yes turns out he put {$12.00} XXXX aftermarket sensors in my car that wont read my tires so i have to ride around with a safety message on and no tire message. He than says i have tires on sale that are {$50.00} per tire so it will only cost you XXXX plus the cost of the sensors and i will give you a credit for your current tires and rims. I have two sets of rims the ones that came on my car and the ones I purchased on XXXX so i didnt need the rims. He ended up charging me {$600.00} i didnt understand why he didnt have any receipt paper. The shop was already closed. Got in the car its driving weird the tires are stable and they are really loud he didnt put on the correct tires. Came back the next day to return the tires i asked him why did he lie and why did he steal my spare tire and why did he put the wrong tires on. He said it was late and his guy made a mistake and that he would issue me a refund and charge me for the correct tires. He advised me that they would be 20 inch tires. He never issued me the refund instead he charges me {$430.00} for once again the wrong tire size. I asked him for my tires back he told me know that he can make more money from my new tires and rims than what I have. The police got involved because he refused to return my vehicle. He charged my credit card for two sets of tires and two sets of rims a car can only have one pair of tires and rims. I have tried everything to get discover to issue me a refund due to the deception, the damage to the product and fraudulently misrepresenting prices and giving me the incorrect product i didnt get what I paid for. I was charged multiple times for the same thing. This is theft.This company is shady and a police report was filed. They have {$1100.00} of my money, my brand new tires and rims while i have a damaged vehicle with mix and match tires with faulty sensors. Under the fair credit act discover should have refunded the funds to my account but they are refusing
06/13/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • DE
  • XXXXX
Web Older American
On XX/XX/XXXX you informed me by e-mail that Discover Card responded to my previous complaint but I do not see that response. Moreover, Discover not only failed to resolve my dispute in the latest statement they added new charges for my refusal to pay their fraudulent charges. I therefore file this new complaint with addition of supporting documents. The full story is as follows : In early XX/XX/XXXX I purchased in XXXX XXXX XXXX 32 piece chess set as " XXXX XXXX XXXX XXXX XXXX XXXX. '' That set of chess had all figurines of major Republican and Democratic officials except for the Democratic nominees : XXXX and XXXX XXXX. Inside the box was a pamphlet that indicated that in order to get those two figurine I have three options : 1 ) make an order on a website XXXX ; ' 2 ) call toll free # XXXX ; or 3 ) mail check or money order for {$9.00} + {$4.00} S & H to : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. I chose the third option and mail a check approximately in the middle of XXXX. Regrettably I did not put the date on the check but surrounding that check other check indicates that it was dated approximately XX/XX/XXXX or XXXX, XXXX. I did not get any response not did I get any requested figurines of XXXX and XXXX. On XXXX I used the second option and placed an order by phone using that Discover card. I also used my e-mail for communication. I received a confirmation of that order by e-mail. Two pages of that confirmation is attached to this complaint. On XX/XX/XXXX XXXX submitted my check for cashing and it was cashed also on XX/XX/XXXX. ( copy of the cashed check is also attached to this complaint ). I was very upset when I discovered that because I wanted and needed only one set of Democratic nominees. I received that set but was charged twice for those two figurines. Moreover, on XX/XX/XXXX I was charged {$1.00} and {$13.00} for unknown " merchandise. '' Then on XX/XX/XXXX I was charged another {$12.00} for unknown " merchandise. '' I did indeed received two packages from the same California address from which I received original package with XXXX and XXXX 's figurines. I do not know what was in those packages. Without opening those packages I returned them back. Copies of front of the packages and XXXX XXXX XXXX receipt for accepting those packages for return are attached to this complaint.
09/10/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • DC
  • 200XX
Web Older American
Please assist with misreporting by Discover Financial Services on my credit card account and misreporting on my credit bureau reports. Case involves ID theft after data breach by XXXX XXXX XXXX XXXX XXXX/contractor XXXX/XXXX, XXXX XXXX, MD. XXXX/XXXX admitted liability for misuse of my data and provided ID theft protection until summer XXXX. In XX/XX/XXXX XXXX XXXX XXXX, according to XXXX attorneys at XXXX : XXXX called stating they were representing me in administrative hearing related to XXXX XXXX data breach. I allowed XXXX to charge {$4500.00} to my Discover. By XXXX XXXX, I suspected XXXX/XXXX frauds, confirmed by XXXX in XX/XX/XXXX enclosed email, and wrote Discover to investigate the billing. See XXXX XXXX, XXXX letter enclosed. I was XXXX from government injuries and asked Discover for XXXX assistance. I called them and wrote multiple times using XX/XX/XXXX letter as I lacked access to computer, I was XXXX due to government service injuries and addicted to opioids which caused XXXX XXXX and XXXX XXXX. See enclosed XXXX XXXX physician script for XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX letter on XXXX XXXX. During this time XXXX threatened me in multiple calls for money, including firms enclosed XX/XX/XXXX letter. I returned to Washington DC for medical care in XX/XX/XXXX. XXXX returned {$4500.00} to Discover in XX/XX/XXXX. Discover illegally assessed me penalties on the fraud charge of {$4500.00} amount to nearly {$1700.00}. Under federal consumer law, Discover is required to provide XXXX assistance to members and it may not assess penalties on fraud charges. I was without computer and sent the enclosed XX/XX/XXXX letter to Discovers mail unit. Discover must comply with federal XXXX and consumer laws. I seek protection from Discovers adverse credit reporting of penalties assessed me for fraud charges. I demand Discover prevent Brown/Goodkin from continuing to use DFS to commit fraud. Please accommodate my federal service XXXX and help me obtain relief from Discover misreporting and from continued theft by XXXX. Please contact me if I can provide additional information. Thank you for your kind assistance. XXXX Bless America! Sincerely, XXXX XXXX XXXX Member Sons of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Government, Credit Card Companies
05/05/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 331XX
Web
Been my credit card account and relationship with DISCOVER card since XXXX and having a cero balance with them, on XXXX they decided without a reason, as far as I know to lower my credit limit from {$22000.00} to {$10000.00} even thought I respect they decision on XXXX they closed my account and the reason that they give me was that I never reply to an email that they had send me ( to a not active email address ), they also say that they had contact me via phone and left voice mail when I don't have a voice mail set up on my phone. I have try numerous time to clarify this misunderstanding with DISCOVER without luck, even the two representatives understand the mistake and they had try to reopen the account back but the system doesn't allow it, one of the representative had told me on XXXX that I would have to re-apply again to re-open the account and since I know my credit history and relationship with DISCOVER was excellent I decided to re-apply and they denied my application. On XXXX XX/XX/2021 I was able to speak with a supervisor and she had told that she was going to check recordings from XXXX to find out If a voice mail was left on my number, If not that she was going to reopen the account for me again, she told me that she was going to call me back personally, I never here from her and after two weeks waiting from her phone call I decide to call myself to follow up and they told me that she had call me the same day and left a voice mail when I don't have voice mail set up in phone and she knows that. I was able to get transcripts from my phone company ( XXXX ) for the month of XXXX and XXXX to verify those phone calls from DISCOVER and there is NOT phone call on either month. As of today my credit history is in EXCELENT condition with a score XXXX and a credit cards limits of {$110000.00} with 14 different companies and my credit card use under 5 %, the only bad think I have in my credit history is a " closed account '' from DISCOVER, a " denial '' from DISCOVER and an " inquire '' also from DISCOVER. To me this is been a very traumatic experience that in the middle of the worst pandemic of he century this company its been giving me the running around damaging my credit history and misleading me without a reason, I feel that they are discriminating me since they having give me a reason for all this.
10/16/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OR
  • 97306
Web
On XX/XX/ I purchased a home scenting system as well as two bottles of scenting liquid from a company called XXXX XXXX for the amount of {$480.00}. I received the items on XX/XX/ XXXX I opened the items out the box and tried to use the scent diffuser and noticed it was malfunctioning. It would spew liquid everywhere and would not stay turned on. I also noticed that one of the bottles of liquid scent had opened and leaked out of the other bottle. I immediately contacted the company XXXX XXXX on XX/XX/ and requested a return shipping label. After several days they reviewed my request and reasons and issued me a return shipping label on XX/XX/XXXX XXXX and I mailed the item out that day. On XX/XX/ I sent XXXX XXXX and email as I had not received my refund. They informed me they had received the return on XX/XX/ and that I should receive my refund in 10-14 days. They also stated that if I had not received the refund by XX/XX/ that I was to contact them again. On XX/XX/ I sent them an email as I had not received my refund. They responded to me on XX/XX/ and they apologized and stated that they " had coordinated my concern with the appropriate team and they would follow up in 24-48 hours ''. I had still not received my refund on XX/XX/ so I sent them another email. They did not respond until XX/XX/ and they said that since I had submitted a dispute I had to wait 75 days for an answer. I filed a dispute with my credit card Discover Bank and they gave me a provisional credit on XX/XX/. They sent me an initial letter saying they would review and would update me accordingly. They never responded to me and reversed the charge bank in XX/XX/. They never sent me a reason or rational as to why my credit was reversed and not made permanent. I supplied them with all of the detailed information as well as copies of the email correspondence I had with XXXX XXXX Then Discover Bank sent me a letter telling me they " would continue to investigate my dispute ''. This is unacceptable and they have failed to due their due diligence. This is unfair, deceptive and abusive. I purchased a defective product and returned the product as requested. I went over and above to supply Discover Bank with enough information to make a decision. They have failed to openly communicate with me or tell me why they reversed my provisional credit.
05/05/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • NY
  • XXXXX
Web
On XXXX XXXX , 2017 at XXXX XXXX XXXX XXXX , I spoke to a Discover representative XXXX to see if Discover would reduce my APR interest rate. He said they could if I voluntarily suspended my account, and it would not affect my credit score. I explained the reason I opened an account with Discover was to improve my credit score, that my interest charges were making it impossible for me to reduce my balance. I told him I made over the required payments due monthly and have never been delinquent with my payments. and have not used my card for several months. I did not want to file bankruptcy. He thanked me and stated my credit score would not be effected. I received my XXXX 2 017 statement and my credit score was affected, it read XXXX it was previously XXXX . I called Discover toda y XXXX XXXX , 2017 at XXXX XXXX spoke to XXXX XXXX ; XXXX XXXX told her of my previous conversation she transferred me to a representative named XXXX XXXX ; XXXX XXXX I told her of the previous conversation that I had with XXXX , and the reason I voluntarily suspended my account was to better my credit score she was very rude and dismissive she stated we dont do that, go online and check your credit score I then asked if she would give me the name and address of the C.E.O. of Discover bank. She replied What? I repeated th e Chief Executive Officer of Discover. She replied What whos that? I said it would sound a lot nicer to say ex cuse me. She said Ho ld ON! I held on f or fifteen minutes, called back XXXX XXXX XXXX answered again, I asked to speak to her supervisor or Manager She said hold on I then spoke to Supervisor XXXX Id # XXXX XXXX XXXX told of the conversation with XXXX and asked if he would give me the name and address to the corporate department of Discover he said I can not, gave me XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX . I asked if he had a physical address to the C.E.O he said no, I asked if there was a manager that I could speak to he said there are several managers I asked can you give me a name he said XXXX I asked may I speak to him he said they dont take calls you can write to the address I just gave you and they will look into it. I then called F.D.I.C who referred me to your department.
09/27/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NV
  • 891XX
Web
On XX/XX/2018 my discover card was charged XXXX.- Dollar by an entity that is unknown to me. ( The companies name is XXXX XXXX XXXX based in XXXX XXXX, CA - short XXXX, full address and contact info in attachment ) I contacted Discover and filed a fraud claim.Discover forwarded the alleged payment authorization form to me. I reviewed it and confirmed that I had never seen that authorization form, that the company requesting the charge was unknown to me and that the form was never signed by me either at it was a forged signature. The company committing the fraud ( XXXX ) had intercepted a legal service agreement that I had signed between myself and the law firm XXXX XXXX in XXXX XXXX, FL. XXXX XXXX XXXX fraudulently used my information from that legal service agreement and filled out their own forged payment authorization form. According to the Discover user agreement and Discovers own FAQ page I should be protected with 0 liability should fraud occur.Discovers FAQ defines fraud as : Beginning quote : " Credit card fraud happens several different ways, most commonly with your card information being compromised in a data breach or your physical card being stolen.Once your card information is used by unauthorized individual, it's considered fraud. " End quote That is exactly what happened to me. I never authorized that company to charge my card. Yesterday the Discover Fraud Team ( XXXX ) called me to let me know that my claim was denied and that my card would be charged the full amount since they consider this to be a " SCAM '' and not a fraud, therefore, I am not protected. Their very own definition ( as stated above ) proves this to be wrong. This is fraud and I should be protected. Calling it a scam and not fraud is a dishonest wordplay and I was not even afforded and explanation why they consider this a scam and not fraud. I was only told this on the phone ... .I have not received any written statement explaining their position. I have copies of all written communication. My attachments are 1. The legal service agreement and authorization that I signed which authorizes the XXXX XXXX XXXX XXXX to charge my card 2. The fraudulent authorization form from XXXX XXXX XXXX that I have never seen, signed or authorized. ( as forwarded from Discover ) 3. The charge on my Discover credit card account
03/23/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Add-on products and services
  • CA
  • 95035
Web
( Related to XXXX-XXXX-XXXX # XXXX & FTC XXXX with XXXX & FTC XXXX with XXXX ) On XXXX, Discover approved COMPLAINTANT 'S credit line application that was pre-approved. After that, COMPLAINTANT has put in a separate application for a checking account. SSN, Passport, Driver 's license, and utility bills were all uploaded for each application. However on XXXX, when COMPLAINTANT called Discover, its representatives and COMPLAINTANT had the calls disconnected for 8 times until 9th and 10th calls went through. ( After each time COMPLAINTANT stated his SSN, DOB and address, calls were suddenly disconnected ). Later on there was an error on the application which required COMPLAINTANT to put in another application to successfully generate a check account. On XXXX around XXXX XXXX PST, COMPLAINTANT attempted to setup a XXXX profile within Discover banking website. COMPLAINTANT is a user of XXXX cellular tower in the area via mobile-virtual-network-operator " XXXX XXXX. '' Discover uses SMS number XXXX to send temporary passcode to its users. However, from XXXX to XXXX XXXX, COMPLAINANT has experienced delays in receiving these codes via SMS text or emails. Sudden surge of text messages within 2 second span of time clearly shows that some other factors were preventing these messages/calls from going through. This has been a recurring issue and COMPLAINANT has corresponded with " XXXX XXXX '' around XXXX and its representative has indicated that there's no widespread issues with XXXX cell-tower affecting other users in COMPLAINTANT 's area nor in general. " XXXX XXXX '' indicates that this is possibly due to usage of " femtocell '' or cellular network / IMSI catcher/ etc in COMPLAINT 's neighborhood area as no issue is reported with XXXX network nor " XXXX XXXX '' customers in general. On a different note, COMPLAINTANT has reached out to Discover on XXXX at XXXX XXXX for XXXX XXXX/XXXX issue. Its debit card remains on XXXX XXXX XXXX/XXXX system yet credit card was not being added to XXXX XXXX system. Discover representative has blamed XXXX for refusing to allow its card on its system. COMPLAINTANT wonders how many of Discover or XXXX XXXX customers have their credit cards not be added on XXXX XXXX system. On XXXX XXXX, COMPLAINTANT has emailed Discover per its request for investigating this issue further.
09/14/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CT
  • 067XX
Web
In XX/XX/2021, my Discover Credit Card was stolen and purchases were being made without my permission. From XX/XX/2021 to XX/XX/2021 my card was charged {$11000.00}. When these transactions took place Discover failed to notify me that these transactions were happening. They did not call me or message me asking if I was making these purchases. One of the charges included was a hotel charge in Florida of over {$4000.00}, how can they charge me for that and not call me to confirm it was me. In addition, I only have a {$9500.00} credit limit on my account, so how in the world did my balance jump to {$11000.00}. They have deemed that the transactions are valid, even after I provide proof that I was in CT with credit card statements that showed my presence in CT through purchases I made. I have cooperated with them to the best of my ability, yet they have failed to help me in this terrible situation. They have failed to protect me in this situation and have left me in a position with a debt that I can not afford. The negative impact on my life will be astronomical from this situation, and the only thing they care about is themselves and taking advantage of their customers. They also provided zero proof that I benefited from any of the transactions. In addition, there were two fraudulent plane ticket purchases and two fraudulent hotel rooms both booked during the same week. Discover was claiming that I was in two different places during the same week, their only explanation was that my name was on there providing zero proof of their claim. After speaking with XXXX XXXX from the executive office of discover he told me that the only way that they would open the case up is if I file a police report. I went to multiple police stations to try and get someone to write a report for me and they all said the same thing, " We do not write police reports on credit card fraud because of its international nature. '' Yet Discover continues to tell me that I need one. They have pinned this debt to my name with no worry in the world. XXXX XXXX from discover has not been helpful to resolve my issue and has not returned my phone calls. Discover does NOT protect you if you are a victim of fraud. This is my third time writing a complaint with them and its been close to 6 months since the fraud occurred, nothing has changed.
11/16/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • IL
  • 60804
Web
I been experiencing s financial hardship right now this is been going on for quite a while now but discover was aware of my situation they accepted to work things out before and than after I made a few payments and they assisted me by lowering my payments for 6 months or 3 months it brought me current at some point that I once again fall behind on the payments. Than my grandmother health situation started getting worse and as she had more recently XXXX I was past due for several months I ask discover for help and they rejected me I told them I wanted to get a payment plan or get enrolled in a a program like the one they offered me before they stated that they could not give me the same plan. So I fought for them to give me any type of assistance and they refused to help and the past due payments were increasing and increase month to month. Couple months after discover closed my account without my consent and it has nothing do do with the late payment I was told my an agent that they closed it because they want it to verify documents such as my ID or driver liscence and social security number in another words they accused me for fraud like if I was doing fraud they closed my account with my consent and I told them why they decided to treat me like garbage. After about a 8 year relationship. It is not fair that after I hAd establish credit with them they decide y to close my account permanently without letting me know and without calling me or putting me aware of the situation I never received any letters or mail by them I chated with an agent online and I saw my activity on my mobile app wen than I realized that discover had closed my account for no reasons. They accused me of lying and possibly of fraud after I had a great relationship with them. Now they are threatening me by suing me with an unknown attorney they want to do a law suit against me and threatened me to pay my account in full. If discover would have help me wen I need it their assistance upon me struggling to pay and by them charging me a late fee charge for not making the big monthly payments every month. The past due has accumulated for several months and so did the late payment fees And interested charges. I would have been in so much debt if they would have help me while they were aware about my grandmother health situation.
07/12/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • IL
  • XXXXX
Web
In XXXX, XXXX XXXX XXXX XXXX XXXX, the XXXX woman XXXX : XXXX XXXX has sent multiple negotiable instruments monthly to Discover Card Services to settle the full balance and to reopen my credit card account of the created debt and have never received a reply, which was required, neither received any of the instruments back which means that the account is satisfied in full per UCC 3-603. In XX/XX/2022 I also sent an affidavit to Discover in which it was not rebutted point-by-point as they never responded. With my XX/XX/2022 remittance coupon, I've sent a notice to Discover informing them that according to USC 1693o-1 Remittance transfer, the purpose of this law is to accept my remittance slip as payment for this XXXX bill statment. According to 12 CFR 1026a Billing Error Resolution, by law, creditors ( Discover ) can not pursue adverse action against me ( by shutting off and or closing the credit card account ) 15 US Code 1666 correction billing errors. I also informed them that failure to comply by not accepting my payment will result in further legal action. In additional, Discover has also charged me an interest fee of {$130.00} and decreased my credit card limit as the account was orginally opened with a beginning balance of {$15000.00}. Discover has rejected my remittance coupons for XXXX, XXXX and XXXX which is fraud and discrimination. Discover has also failed to uphold their relationship as the trustee to the trust and have not acted in the best interest of the beneficiary ( me ) which is considered fraud and discrimination. Discover also refused to accept my Negotiable Instruments as payment but never returned any of the three negotiable instruments sent via certified mail, therefore, that is acceptance for value per UCC 3-603. The payments have been made in full three times and they have refused to place a {$0.00} balance on the ledger paid by the XXXX and reopen my account as active. Lastly, since they fall under the UCC laws and accept Federal Reserve Notes, Checks and Money Orders, they also are supposed to accept my Remittance Coupon as an instrument of payment too according to UCC 3-603. Discover has committed fraud and discrimination against me multiple times and has also closed my credit card account and reported false information on my credit report to all credit bureaus.
07/12/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • KS
  • 67217
Web
I specifically spoke with someone in the Risk Management department who stated that my account would continue to be suspended as long as I had delinquent accounts on my credit bureau.

Subsequently, I was induced into paying off all debts, and a copy of my credit bureau is attached reflecting this.

I then spoke with a XXXX XXXX on numerous said they were waiting on the credit bureaus to update. I was transferred to Risk Management who said they specifically use XXXX and once XXXX updated the bureaus to reflect my delinquent accounts were paid, my account would be unsuspended.

I had spoke with XXXX XXXX on at least five different occasions in which she asked that I send proof via e-mail to her that I had paid the delinquent accounts off, which is also attached.

To date, my credit bureau reflects I owe two current accounts. 1 ) Discover who I have been making my regularly scheduled payments to on time and 2 ) XXXX XXXX XXXX which is also in good standing.

Every time I call Discover I am not allowed to speak with anyone other than XXXX XXXX. In my last conversation with XXXX on XXXX XXXX, 2017, I was told the account was not going to be unsuspended at this time due to other criteria that Discover reviews.

When I asked what that criteria was, or if the account would ever be suspended, or what I needed to do to establish a good credit history to have the account unsuspended. XXXX XXXX responded that specific information was for internal use only and he could not disclose that to me.

I find it a complete abuse to induce someone to paying off specific debts with the promise of un-suspending their credit line without following through on that promise. I also find it an abuse of the Truth in Lending Act, the UCC, and Contracts Law as a whole for a creditor to effectively take adverse action and not disclose to the consumer what criteria they must meet in order to stop the adverse action.

As XXXX XXXX is the Highest member of escalations an I have been told is Personal assistant to XXXX XXXX CEO of Discover Card I believe any response to this complaint would only be appropriate to come from Discovers legal counsel as I have obviously spoken with several members of the executive management team, all of which have made promises to which they have not followed through on.

07/12/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • KS
  • 67217
Web
I specifically spoke with someone in the Risk Management department who stated that my account would continue to be suspended as long as I had delinquent accounts on my credit bureau.

Subsequently, I was induced into paying off all debts, and a copy of my credit bureau is attached reflecting this.

I then spoke with a XXXX XXXX on numerous said they were waiting on the credit bureaus to update. I was transferred to Risk Management who said they specifically use XXXX and once XXXX updated the bureaus to reflect my delinquent accounts were paid, my account would be unsuspended.

I had spoke with XXXX XXXX on at least five different occasions in which she asked that I send proof via e-mail to her that I had paid the delinquent accounts off, which is also attached.

To date, my credit bureau reflects I owe two current accounts. 1 ) Discover who I have been making my regularly scheduled payments to on time and 2 ) XXXX XXXX XXXX which is also in good standing.

Every time I call Discover I am not allowed to speak with anyone other than XXXX XXXX. In my last conversation with XXXX on XXXX XXXX, 2017, I was told the account was not going to be unsuspended at this time due to other criteria that Discover reviews.

When I asked what that criteria was, or if the account would ever be suspended, or what I needed to do to establish a good credit history to have the account unsuspended. XXXX XXXX responded that specific information was for internal use only and he could not disclose that to me.

I find it a complete abuse to induce someone to paying off specific debts with the promise of un-suspending their credit line without following through on that promise. I also find it an abuse of the Truth in Lending Act, the UCC, and Contracts Law as a whole for a creditor to effectively take adverse action and not disclose to the consumer what criteria they must meet in order to stop the adverse action.

As XXXX XXXX is the Highest member of escalations an I have been told is Personal assistant to XXXX XXXX CEO of Discover Card I believe any response to this complaint would only be appropriate to come from Discovers legal counsel as I have obviously spoken with several members of the executive management team, all of which have made promises to which they have not followed through on.

12/05/2015 Yes
  • Credit card
  • Rewards
  • MA
  • 02139
Web
Currently Discover Credit card is running a promotion. Customers who use XXXX with discover card can earn a 10 % cashback on all eligible purchases. The exact terms and conditions are " Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX/XXXX/15. Excludes gift card purchases. No sign up needed. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within XXXX billing periods. See Cashback Bonus Program Terms and Conditions for more information. '' I have made some normal purchases through discover with apple pay. However, I have received emails saying that your XXXX purchase on XXXX for $ XXXX at XXXX included a gift card. The gift card portion of your purchase does not qualify for the 10 % Cashback Bonus ( R ) promotion. As a reminder, now through XXXX XXXX, 2015, you 'll earn an extra 10 % Cashback Bonus ( R ) on up to {$10000.00} in purchases when you shop in stores and use your Discover card with XXXX, excluding gift card purchases. If you disagree with our finding and contend that your purchase did not include a gift card or a portion of your purchase qualifies per the terms of the promotion, let us know with supporting documentation in the next 21 days. Documentation can include store receipts or invoices, but can not include your Discover card statement. You can send documentation via email : Scan and then e-mail to XXXXXXXXXXXX My purchase did not include any gift card. And I am required to provide evidence for that. However, under the terms and conditions for XXXX Cash Back, it is not stated anywhere that customers are required to keep receipts in case discover suspects it is gift card purchase. Hence, I did not keep any of my receipts associated with apple pay purchase. And I have nothing I can show to Discover. Moreoever, I feel that, Discover is violating their own terms and conditions by asking customers for receipts, because they did not ask customers to keep the receipts in the first place. Moreover, the voices that I have heard over the Internet suggests that Discover is just randomly flagging purchases of large amounts as gift cards, and request consumers to provide receipts in order to honor the cashback. This is extremely unfair to the customers.
03/21/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 10456
Web
XX/XX/XXXX Dear Sir/Madam I am a victim of identity theft. I recently learned that my personal information was used to open an account at Discover Financial Services LLC. I did not open or authorize this account, and I, therefore, requested that it be closed immediately. I also requested that Discover Financial Services LLC absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files. However, I received the letter on XX/XX/XXXX where it was said that Discover Financial Services LLC refuse to close this account and told me that this account belongs to me. After that, I sent to Discover Financial Services LLC all additional documentation as supporting evidence such as Copy of identity theft Report. Copy of old NY State ID. Copy of Passport. Copy of electricity bill ( proof of address ) Copy of XXXX. Copy of XXXX. FTC Notice to Furnishers of Information. And I asked again to remove this fraudulent account. However on XX/XX/XXXX I received another letter from Discover Financial Services LLC where it was said that after the second investigation they concluded that this account belongs to me despite all documentation as supporting evidence. The letter also states that the credit card was sent to XXXX XXXX XXXX # XXXX, XXXX XXXX, NV, XXXX. However, I have never been a resident of XXXX XXXX and have never lived at the listed address. This account was opened in XX/XX/XXXX while I was on the territory of the XXXX XXXX. My entry into the United States is listed on XXXX XXXX ( XX/XX/XXXX ). The document XXXX contains a stamp on which the date ( XX/XX/XXXX ) is indicated before which I could not enter the United States. For your information, my social security number had many open bank accounts that were successfully closed because they were fraudulent except for this one - Discover Financial Services LLC. Their investigative department insists that this account belongs to me despite all the evidence and all the documents I have provided to prove otherwise. At the moment I have lost all hope and do not know how to resolve this current situation. Due to a very low credit score, I can not live a normal life. I can't even afford to rent a house because I get a refusal from all landlords. Please, I am asking for your help.
08/08/2015 Yes
  • Credit card
  • Credit determination
  • CA
  • 923XX
Web
I went to the discover card website today to find out if I was pre-approved to apply for XXXX of their credit cards. I know that with this pre-approval, there is a soft inquiry, not a hard XXXX, and they collect information to view my credit report and it does n't affect my credit. I filled out my information as requested and the " Discover It '' credit card came up saying that I would be qualified for this card. I went ahead and applied for the credit card and after I clicked " submit '', they requested even more personal information which I filled out. Then after I clicked " submit '' again, a message came up saying that I needed to apply with someone else as I needed to submit a " joint application ''. I never stated that I wanted to submit a joint application or that I was applying with anyone else or had any interest in applying with anyone else. I stated that I, alone, wanted to apply. I then called customer service, new accounts, and spoke with a manager by the name of XXXX XXXX, ( this is the spelling of his name he gave me ) and explained the situation. He was trying to give me the wrong information by telling me that when someone fills out a " pre-approved '' form, that the credit is not checked or viewed at all. I then told/ him that I know how it works and that I have applied for other credit cards with other banks and they have even told me that they view the credit to let me know if they can offer me a credit card or not, and based on that, they either state which credit card I can apply for or state that they can not offer me a credit card at that time. I stated to him that he was giving me the wrong information so that it did not appear that the bank had made a mistake, but that this was exactly the case. The bank made a mistake. He kept repeating the same thing so I told him that I would be filing a complaint with the Consumer Financial Protection Bureau so that you guys knew what they were doing to consumers. I told him that I want them to delete the hard inquiry from my credit report and he refused. So I am filing this complaint to request your assistance so the bank can delete the hard inquiry which should have never been there on the first place, had they not given me the wrong information at the pre-approval screen stating that I could apply for the Discover It credit card.
01/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • XXXXX
Web
On XX/XX/2019 I tried to pay off my account in full and used the balance after payment posted. At the time I didnt know my Bank had an Stop payment and all checks returned unpaid, reasons why the stop payment was placed is unknown. My account went over its limits and since I didnt know what was going on with my Bank ( at that moment ) my only choice I though had was adding on my account to a Management Payment Program which I tried. XXXX XXXX XXXX agent called me and told me Discover didnt accept their proposal and reason were I was part of an internal program ( which wasnt true ) so I told them I was gon na call Discover. Around XX/XX/XXXX I spoke with a Discover account specialist and asked her about this. She told me the Management Payment Program wasnt a trusted Program and that was the reason why they didnt wan na work with them. She told me Consolidators let the account go delinquent and then they buy out its debts. For my understanding I believe Discover didnt actually know what kind of company was XXXX XXXX XXXX. Ive been working with them for a couple of years because a debt with XXXX XXXX theyre handling for me. I asked her to take a payment on my Discover account and she said she couldnt because my account had the working with consolidator status on and advised me to send a letter to Ohio to have it removed so they will accept payments from me. So I went back to XXXX XXXX XXXX and they told me they cant add the account to the program again since it was recently rejected, They didnt give me an option other than send that letter and deal directly with Discover. When I spoke with Discover rep she also told me someone will contact me after receiving the letter, but no one did, or at least they tried once but called a number I didnt have on service. Around XX/XX/XXXX I saw a change on my credit report stating I was 30 days late, which technically is true but not fair since I was waiting for my account to be changed from working with consolidators to I can make payments. So, for all this misunderstanding and others details Im willing to explain over the phone with whoever is handling this request Im asking to kindly remove this delinquent from my credit files so I can enjoy my credit worthiness at its full and restore my buying powers I had before this negative remark on my account.
06/26/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • KY
  • 40475
Web
OnXX/XX/XXXXI applied for and was approved for a Discover Secured credit card. OnXX/XX/XXXX they electronically removed {$1000.00} from my savings account to secure the credit card and assured me I would have the credit card within two weeks. I never received the credit or any accompanying information that I should have received. Once it became obvious I was not going to receive I called and had them cancel that card and they did and said they were re-issuing another card on XX/XX/XXXXand I should have again within two weeks. Again, I did not receive this card or any other correspondence from Discover. After the appropriate time I called back and talked to XXXX who could not offer any solutions so she transferred me to her supervisor XXXX. All XXXX was willing to do was the same process that had failed twice before. I asked if we could overnight card so could be tracked but she refused. I had them cancel this card and asked that they return my {$1000.00} security deposit. As far as I know she closed account but said it would be two billing cycles before I would receive my deposit back but after discussing she agreed that since I had never received my cards she would expedite and I would have in ten days. I asked if could do electronically as they took it they way but she again refused. I tried calling the executive office consumer number several times to see if I could get help here but they never answer and never returned calls from messages I left on their machine. I called back next day to make sure that my deposit had indeed been expedited and I talked to XXXX in the ohio office who confirmed account had been closed but did not see that deposit had been expedite so after explaining all to her she went and talked to her supervisor and assured me would have in the ten days. As of todayXX/XX/XXXX I still do not have and when I called today and talked to XXXX in XXXX I was pretty just told I would have to wait more days. I would really like some help with this as no one seems to want to help me at any turn. I would like my security deposit returned ASAP. I did everything I was supposed to do on my end I even made sure it was not a postal issue that causing problem. Incidentally I get tons of email about my new account that I have never had wanting me to activate the card I never have received.
05/03/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • UT
  • XXXXX
Web
This is an update to a previous complaint filed with Discover Card regarding the fraudulent charge place on my Discover card ending in XXXX which has been open since XXXX . In re-opening the case they have once again denied the fraudulent balance transfer in the amount of {$4000.00} dollars and in fact I have come to find out that my signature was in fact forged by a minor child who was XXXX years of age at the time. This new information has also been given to Discover Card who refuses to acknowledge that they in fact did take and accept a forged check ( check # XXXX XXXX on XXXX and put the charge onto my credit card ending in XXXX for which I am the only authorized user and for a card which has remained in my possession only. My first complaint was filed on XXXX and was investigated until XXXX when I was once again notified that there had been no fraud committed on my card. Discover Card as Im learning thinks they are above the law and not responsible for any mishandling of consumer charges or funds. An perfect example of this is when dealing with debt relief agency Discover Card is the only credit card company who will not negotiate unlike other credit card companies. Discover Card 's staff uses scare tactics and intimidation to accomplish a no negotiation even when the error is their own. Im am disgusted with their policies and the manner in which they handle fraudulent claims. They simply deny and fraudulence even when it can be proven. This manner of business is corrupt and should be un-exceptable for any business and or bank. Discover Card has failed to use proper checks and balances to prevent fraud but has every policy and procedure in place to protect itself but not the consumer therefore Im updating and once again submitting a complaint against the Card company that thinks it can do no wrong and will not accept any responsibility in improper safeguard and protections to the consumer. Forgery is a crime and for whatever reason Discover Card refuses to accept this because that would mean they did something wrong so I do n't know why I even bother wasting my time and words because Discover Card does not make mistakes even in criminal situations. They simply deny and fraudulence and therefore are never held accountable for bad business practices.
02/09/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OH
  • 444XX
Web Older American
On XX/XX/XXXX, Vision Coverage was initiated through XXXX with XXXX XXXX XXXXXXXX XXXX XXXXXXXX by electronically signing the application and paying the annual premium on my Discover Card. No auto-pay feature was selected of even indicated. On XX/XX/XXXX an auto-pay charge was processed by XXXX for {$430.00} on the same Discover Card. All attempts between XX/XX/XXXX and XX/XX/XXXX confirm coverage was unnecessary for XXXX failed due to failure to speak with XXXX Customer Service Representatives resulting from an automated phone system and excessively long-hold times. On XX/XX/XXXX, an e-mal was sent to the customer service representative listed for the account without any response ever occurring. A dispute case was opened with Discover Card on XX/XX/XXXX and a temporary credit was issued for {$430.00}. On XX/XX/XXXX, Discover Card completed their investigation and found in my favor, reversing the temporary credit and issuing a permanent credit for {$430.00}. Sometime subsequent to XX/XX/XXXX and XX/XX/XXXX, XXXX responded to Discover Card, resulting in reinstating the charge for {$430.00}. Upon learning of this intervention assistance from XXXX XXXX XXXX was obtained resulting in the XX/XX/XXXX e-mail from XXXX stating the insurance coverage was or will be cancelled effective XX/XX/XXXX with the respective credit issued. This e-mail was provided to Discover Card on XX/XX/XXXX, yet Discover Card has willfully and negligently failed to reinstate the credit. A second e-mail was received from XXXXXXXX XXXX XXXX written from the perspective that the Discover Card was a Debit Card when in fact it is a Credit Card. As late as today, XX/XX/XXXX, Discover Card is refusing to reinstate the credit for {$430.00} unless they hear from XXXX. Having no way to contact XXXX due to cancellation of the insurance an no account, contacted XXXX XXXXXXXX XXXX whom doesn't understand why this is occurring. Obviously, Discover Card is attempting to unlawfully extort {$430.00} as an inside job in order for an insider to embezzle {$430.00}. After having this Discover Card Account for thirty-one ( 31 ) years, this behavior is uncharacteristic, deceptive and has never occurred when previous disputed charged have occurred. Obviously they waited until i was a XXXX and XXXX of a Protected Class to perpetrate such a scheme.
08/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 17046
Web
I hope this letter finds you well. I am writing to bring to your attention the provisions outlined in 15 U.S. Code 6802 and 15 U.S. Code 1681a, both of which pertain to the obligations of financial institutions regarding the disclosure of personal information and the definition of a " consumer report, '' respectively. As a concerned consumer, I am aware of the importance of maintaining the privacy and security of my nonpublic personal information. According to 15 U.S. Code 6802, it is stated that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless certain conditions are met. Specifically : ( A ) The financial institution must clearly and conspicuously disclose to the consumer, in writing or in electronic form, that such information may be disclosed to a third party. ( B ) The consumer must be given the opportunity to direct that such information not be disclosed to the third party before the initial disclosure takes place. ( C ) The consumer must be provided with an explanation of how they can exercise the option to withhold such disclosure. These requirements are in place to ensure that consumers have control over the sharing of their personal information and can make informed decisions about its disclosure. Furthermore, as per 15 U.S. Code 1681a, the term " consumer report '' excludes communication of information among individuals who are related by common ownership or affiliated through corporate control. This definition highlights the importance of delineating the types of information that fall within the scope of consumer reports and those that do not. I kindly request that the department of Education ensures strict compliance with these provisions to protect the privacy and rights of consumers according to 15 USC 1602 ( l ). As a valued customer, I trust that the department of Education is committed to upholding these legal obligations and providing transparent communication with regard to the use and disclosure of my personal information. Thank you for your attention to this matter. I appreciate your dedication to maintaining the highest standards of privacy and security for your customers. Should you have any further information or updates regarding this issue, I would appreciate being kept informed.
08/17/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • AL
  • 35216
Web
Discover repeatedly for months lied to me and stated that my secured credit card would be reviewed and graduate to an unsecured card after being with them for 6 months. I always paid more than the minimum amount due and never paid a bill late. Everytime I spoke with a representative I received contradicting responses. Out of pure frustration of continuously receiving misleading and blatant lies from customer service representatives at Discover I decided to close out my account. I proceeded to apply and receive 2 other credit cards, one with XXXX XXXX and another with XXXX, for which I was approved with a higher spending limit than Discover and unsecured! Fast forward 3 months after I closed out my Discover account I have yet to receive my check of {$1000.00} which was secured deposit funds. I've spoke to 4 different customer service representatives before one of them thought to ask me to verify my address and realize that the apartment number was missing and therefore my check never reached me! I called again 2 days ago and was told a check was going to get re-issued, I asked if it could get expedited and was told that they would escalate to see if possible and to follow up. I called today and yet again a different story! This time I was told that I have to wait for an investigation to see if the first check was cashed before they could issue a replacement check. How FRUSTRATING! When I authorize the {$1000.00} as funding for security deposit Discover did not hesitate to withdraw funds from my account, however now that I cancelled because of misleading and poor customer service and want my money back they are taking extremely long and throwing all sorts of hurdles my way. I would never bank or apply for any services with them. I will make sure I tell ALL of my friends, family and co-workers, heck even strangers I encounter on a daily about the horrible service I received and that fact that no one I've ever spoken to has taken accountability for their company and offered a solution even close to above and beyond. I've never received such poor treatment from any company I've done business with and this is the very reason why I am appalled and in shock that they continue to receive the amount of business they do. They definitely do not put their customers first nor offer one call resolution.
08/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 34491
Web Servicemember
XXXX XXXX To a lessor extent : Discover Card XXXX XXXX Both XXXX and XXXX are NOT correctly reporting on citizens that pay off their credit card balances IN FULL every month. This can cause GRAVE damage to all Americans credit scores and can cause citizens to pay higher interest rates on ALL of their lines of credit. Real life Examples : My charges to Discover Card vary in a given month, BUT, the balance is paid in full no matter the balance! Prior to ( XX/XX/18 ) Friday, my credit scores were XXXX. They dropped XXXX points, and when I complained, reporting the issue and giving Discover Card as a witness to my payment history, they lowered my score AN ADDITIONAL XXXX points, XXXX total. This due to me charging several home appliances and upgrades to my Discover Card. Not only is this fraud, on a national scale, imagine the damage to US consumers! Lower score, resulting in higher monthly rates. I took this to Discover Card, them knowing my payment history, and they themselves refused to up my credit line to reduce the ratio of debt to full line of access, even though they are responsible. Accidentally or intentionally, they as a whole entity, not sure of XXXX XXXX involvement, conspire to unfairly raise rates and improperly/intentionally report payment history resulting in fraudulent charges to all. Recap : Credit Bureaus using individual monthly consumers charges to lower their credit scores, despite not only a perfect payment history, but a payment in full every month for years history. Effectively destroying their promise and fulfillment of rewards by giving 1 % at the expense of irrepairable damage to consumers credit reports. All 4 companies are participating willingly. I notified all 4, 2+ times each. My recommendation : prevent customers credit card scores by mandates that Credit Card Bureaus add a balance in full, effective balance XXXX to all payment history ( ies ) If a balance is XXXX then XXXX then XXXX the next time capture, this should NOT effect a score if the balance is paid IN FULL on every monthly billing. Or warn retirees that pay their balances in full every month that they may need to send daily payments to their Credit accounts. Clearly the Discover Card rewards program is a scam, along with the Credit Bureaus intentionally incorrect reporting.
08/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11224
Web
DISCOVER acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. DISCOVER BANK CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO DISCOVER CARD AND XXXX, XXXX, XXXX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! DISCOVER IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! DISCOVER acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. DISCOVER BANK CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO DISCOVER CARD AND XXXX, XXXX, XXXX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! DISCOVER IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! DISCOVER CARD IS REPORTING THIS INFORMATION AS ACCURATE AND VERIFIED. SO HAVE THE CREDIT BUREAUS, YET THEY ARE NOT USING INVESTIGATIONS, THEY ARE NOT PROVIDING ME WITH ANY INFORMATION ON HOW THEIR INVESTIGATION RESULTS WERE CONCLUDED, THEY ARENT PROVIDING DETAILS ( BY LAW ) ON WHICH METHODS OR PRACTICES OR RESOURCES THEY HAVE USED TO COME TO THE DECISON.
01/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • DC
  • 20003
Web
I opened a secured credit card with Discover Bank and paid an {$800.00} deposit, which became my opening balance. I used the card for minimal purchases and made timely payments. I used my card at a gas station, where I believe my credit card information was compromised after seeing a series of charges for purchase I did not make. I disputed the fraudulent charges when I learned of them. In the meantime, Discover Bank did not take any steps to ensure my information was not being disseminated and used. Discover Bank also made the unilateral decision to close the card because I was the victim of identity theft and fraudulent charges were occurring. This card was opened to help me XXXX XXXX and in the end it made it worse. They closed the card which resulted in a declined XXXX XXXX because the account was only months old. And they reported late payments when payments were never late. When I learned of the negative reporting history I contacted discover card. I was told that they no longer keep records after 2 years and they could not provide me with a copy of the records nor could they pull up any records related to this account in their internal system. However, I did have copies of all of my statements and attached them to each my dispute with XXXX. XXXX opened my dispute and submitted it to Discover Bank. The results were unchanged and Discover Bank reported that the negative history was accurate on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. Most recently a dispute was opened on XX/XX/XXXX at around XXXX, by the next morning the dispute was completed and against Discover Bank was reported to have responded to my dispute, verifying the negative history as accurate despite not having any records to provide or reference. When I called Discover bank on XX/XX/XXXX to ask about this and speak to someone who could provide information as to their process for responded to credit report disputes. I was told there is no one that I can speak to. Discover Bank should be ashamed that they continue to be adamant on ruining someones credit history without any proof. This is a violation of my rights under the fair credit reporting act. They are causing harm to me. If the CFPB is unable to assist in resolution, I will be commencing litigation against this deceitful bank.
06/13/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 145XX
Web
Starting early spring XX/XX/XXXX, XXXX started to send me renewal pops ups on my computer to buy their software protection plan. I declined numerous times, I had no intension of renewing & had another provider. XX/XX/XXXX I received a renewal notice from XXXX - Not to worry they renewed my subscription, they had my card on file?? Really, I did not authorize this.. I immediately looked at my Discover account and realized they actually charged my account over {$110.00}! I immediately notified DISCOVER and opened a dispute. DISCOVER closed the dispute in favor of XXXX twice because XXXX had my information on file and therefore it must be true and I am the liar. On XX/XX/XXXX I contacted XXXX, they agreed I did not renew nor solicit them for renewal. Regardless they made several attempts to solicit my business with unwanted pop ups and threats of computer viruses, etc.. I did not sign up, I DECLINED ... several times. I feel violated by XXXX, they stole out my pocket and I am upset with DISCOVER as they allowed XXXX to do so based on their very poor standard of proof. It was up to me to prove " with documentation '' I did not authorize, how am I supposed to provide documentation when I never created any documentation or approved a purchase? XXXX is sending me what they call a refund check for the full amount, it will take 3 weeks, we shall see. I have all emails from them as " confirmation '' .. I am upset with DISCOVER - allowing a transaction to stand that was not authorized. DISCOVER did not handle this properly. DISCOVER employee 's in both dispute & billing were just like.. '' oh well, they had you information, that's good enough to make it a valid charge ''. As it relates to services over the internet and specifically ones that take liberties to renew without authorization to do so. I asked DISCOVER why didn't you ask them what date I approved or gave them approval? They would have had a hard time providing that as they didn't not get one.. DISCOVER replied, " Good Question..we 'll make note of that for the future! '' ... really???? DISCOVER then advised me my dispute is closed, so am I to assume XXXX can charge they XXXX out of my account because they have some old information on file??. It's unfair to any consumer to be dealt with this way by any merchant or credit card company.
10/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or missing disclosures
  • VA
  • 24017
Web
After reviewing my consumer report I am concerned about some information that has been reported, I believe that my consumer rights have been violated according to 15 U.S.C 1602 ( g ) there is no valid proof on the evidence of indebtedness with this credit transaction. 15 U.S.C 1602 ( k ) I was not provided an adequate notice that clearly showed I owed this debt, and because of this, I made an uninformed decision by a computerized agreement. 15 U.S.C 1602 ( p ) unauthorized use because I did not benefit from this transaction. According to 15 U.S.C 1681s-2 ( a ) on ( XX/XX/XXXX ) this company then closed the account and furnished an account on my consumer report without my consent. 15 U.S.C 6802 Gramm-Leach-Bliley : 15 U.S.C 6802 ( a ) ( a ) Notice : This company directly disclosed my personal information to multiple nonaffiliated third parties, and did not provide me with a notice that complies with section 6803 of this title. This company did not have my verbal consent to use and share my information with other nonaffiliated institutions, which by law is a violation of identity theft. 15 U.S.C 6802 ( d ) This company disclosed five late payments to nonaffiliated third parties which still reflects on my consumer reports. 15 U.S.C 6802 ( b ) Opt-Out This company actively disclosed my nonpublic personal information to nonaffiliated third parties which such financial institutions did not clearly and conspicuously disclose this information to me, in writing or in electronic form under section 6804 of this title, that such information may be disclosed to such third party ; This company has never given me the opportunity, to initially disclose this information, and refuse that such information shall not be disclosed to such third party ; and that I am given an explanation of how the I can exercise the nondisclosure option. I have never received an opt-out explanation from this company for the duration of my extension of credit. ( XX/XX/XXXX ) - ( XX/XX/XXXX ) After this company closed my account on ( XX/XX/XXXX ) the company customer representative explained that I would have to reapply for my right to extend credit, I then applied for my right to extend credit and was denied 9 times over the course of the year XXXX - XXXX. Which makes this company liable to 15 USC 1681 ( a ) ( 2 ).
07/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • IN
  • XXXXX
Web
I already filed a complaint numbered XXXX against XXXX XXXX, as well as against Discover Card numbered XXXX. This complaint was also against XXXX XXXX for the same problem, which was for reporting literally 15 year old information on my XXXX credit report, and perhaps XXXX/XXXX and/or XXXX and/or other credit reporting agencies. In short, XXXX XXXX has already done the right and legal thing by deleting these age-old accounts, and Discover and XXXX XXXX need to do so as well and immediately ... as does XXXX and any other credit reporting agency. They ( XXXX XXXX ) responded that they need more time to research. BUT -- Attached below please find the response correct response, which took XXXX XXXX much less time ... which response is that all of these accounts are WELL over the age where they, by law, MUST be immediately removed from my credit report. In short, XXXX XXXX did the right thing and complied with the law, now Discover, XXXX, and, most important, XXXX, must do the same! Here is the proper and legal response from XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Card ending in XXXX Dear XXXX XXXX : We recently received an inquiry from the Consumer Financial Protection Bureau regarding the above referenced account. I was asked to review and respond to your concerns regarding the credit reporting of the account. Upon review, our records reflect that the above-referenced account was opened in XX/XX/XXXX and was subsequently closed in XX/XX/XXXX. Please accept this letter as confirmation that a request has been sent to the credit reporting agencies to delete any reference of the account from your credit report. It may take 30-45 days for the credit reporting agencies to update their records. Your prior requests were declined due to the timeframe in which they were requested. XXXX is not affiliated with Discover or XXXX XXXX, and it will be necessary for you contact them directly regarding your concerns with them. Thank you for allowing us the opportunity to respond to your concerns. Sincerely, XXXX XXXX Executive Response Unit XXXX FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE cc : Consumer Financial Protection Bureau XXXX Case # XXXX our telecommunication number for our hearing-impaired customers is XXXX.
03/14/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MI
  • 48340
Web
Back in XX/XX/2018 I believe it was I was scammed by a woman online who made it come off as I was her than boyfriend, however, I later discover after she got a hold of my discover card login information that she went to try & clear the balance and each time after about a week or so the payments where all returned, I tried to speak to a number of discover card customer service reps and was told by one I was scammed by what called a girlfriend scam however, they where not willing to do anything. I not believe Discover card would not even freeze the account or call me and ask me what is happening I mean this happened like over like two or so months & yet Discover never once said this looks out of place or anything to cause them to contact me other than asking me for payments or when I can make a payment to the account, granted I was at fault as well for falling for such a scam, however Discover didn't do XXXX XXXX $ anything to step in when they saw payments where returned and asking what is going on or freeze the account when they noticed payments where return. I don't know about anybody or anyone else but if I would have noticed this faster myself I would have never used the card any longer & would have done everything to fix this. I am angry and upset at Discover card for failing me when they could have surely protected me when I could have used it most at the time, but instead, they sit there and did nothing. I was a brand new customer of their 's and this is the thanks I get, I mean discover card now put my account in collections and just wants there money, I am beyond upset and angry about what happened and needless to say more hurt because nothing was ever done to help protect me as customer. I am not disputing the fact I should have known better, but I feel discover could have done something to step in when they saw one returned payment and ask me what is going on instead of not doing a XXXX thing. Now my balance is over {$3500.00} & growing, this is crazy more so when I feel if discover card could have helped me out and saved me from more problems instead they didn't do anything at all. I don't quite understand how any credit card company can just sit back and do nothing more so when a person becomes scams like I was by some person online who doesn't care who she / he hurts.
04/05/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • FL
  • XXXXX
Web Older American, Servicemember
In Florida, Credit Card Debt Court Judicial Order stays 20 years with added fees, taxes and interest annually. Even when the Circuit Small Claims Court Action criminally violates Social Security Retiree and Disabled War Veteran Federally Protected from collections benefits which the Judge may verbally dismiss. Attempts to remedy by contacting attorneys, and Florida State Officials including the Attorney General as Florida Law also forbids actions against these fixed incomes meets with terminal despondency. I logged the complaint with The United States Department Of Just a number of times seeking enforcement of Federally Protected Social Security Retirement and Veteran AdministrationXXXX XXXX XXXX XXXX XXXX XXXX XXXX I survive on since XX/XX/2010. Single, age XXXX with no savings account living month to month. But the Department Of Justice failed to respond I supplied the Court with documented proof of Social Security and XXXX War Veteran XXXX Benefits that she verbally dismissed in XXXX Court Appearance threating me as a Defendant as a typical default " No Show '' waiving any and all defense ruling for the Plaintiff systematically. in Florida 's XXXX XXXX XXXX XXXX XXXX XXXX. Then came Final Order ruling a debt collectable for 20 years with accumulating fees levied against exempt income willfully and wrongfully that nobody I contact, to date, assists me in remedy. I remind them I am a 100 % rated VA XXXX XXXX XXXX XXXX and all of this complicates and compounds my XXXX XXXX defeating my regular XXXX XXXX XXXX XXXX XXXX XXXX XXXX Which is always ignored contacting a malpractice law firm attorney to bring action only ended up with " you have no case ''. My credit rating was maintained at XXXX when Discover Credit Card refused me twice on a debt consolidation loan which caused the crashing of my credit rating and default. There are two ends to any credit agreement yet for more than five years and all litigation Discover and the Circuit Court only support one and roil over me. Discover Credit Card has stalked me for going on five years unlike other credit card banks they staff a field of collections attorneys nationally and pursue greater profit yields for investors by singling out weak credit accounts then pursue civil litigation against the card holder, menacing unrelentingly.
02/19/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30281
Web
I, XXXX XXXX, a consumer and customer of this financial institution, have a right to privacy pursuant 15 U.S. Code 1681a ( a ) ( 4 ) and 15 U.S. Code 1692 ( a ) as it speaks on my individual right to privacy. My private information regarding this account has been furnished without my lawful authority or my written consent. I am aware that my written instruction is needed to furnish any information to a consumer reporting agency. No lawful authority or written consent constitutes Identity theft in accordance with 15 U.S. Code 1681a ( q ) ( 3 ) and similar to REG V 12 CFR 1022.3, which is a fraud committed or attempted using the identifying information of another person without authority. I have not given my written lawful authority for this information to be furnished. I am aware that in accordance with the Gramm-Leach-Bliley Act, I, the consumer have the right to know where and how to direct disclosure of my nonpublic information and should have been given an explanation of how to exercise that nondisclosure option. I have not received such an explanation. Please provide the written instructions that I, the consumer gave to Discover which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice, this has been a fraudulently made consumer report using my identifying information and account DISCOVER BANK XXXX must be deleted from all consumer reporting agencies immediately. This is my written instruction to opt out of credit reporting for this account. If my instruction to opt out of credit reporting can not be honored, I request a statement on your companys letterhead signed under penalty of perjury stating why it can not. I am aware, the making of any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15 U.S. Code 6821 such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to 500,000 for a felony by an organization or imprisoned for 5 years or both. Sincerely, XXXX : XXXX
02/19/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30281
Web
I, XXXX XXXX, a consumer and customer of this financial institution, have a right to privacy pursuant 15 U.S. Code 1681a ( a ) ( 4 ) and 15 U.S. Code 1692 ( a ) as it speaks on my individual right to privacy. My private information regarding this account has been furnished without my lawful authority or my written consent. I am aware that my written instruction is needed to furnish any information to a consumer reporting agency. No lawful authority or written consent constitutes Identity theft in accordance with 15 U.S. Code 1681a ( q ) ( 3 ) and similar to REG V 12 CFR 1022.3, which is a fraud committed or attempted using the identifying information of another person without authority. I have not given my written lawful authority for this information to be furnished. I am aware that in accordance with the Gramm-Leach-Bliley Act, I, the consumer have the right to know where and how to direct disclosure of my nonpublic information and should have been given an explanation of how to exercise that nondisclosure option. I have not received such an explanation. Please provide the written instructions that I, the consumer gave to Discover which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice, this has been a fraudulently made consumer report using my identifying information and account DISCOVER BANK XXXX must be deleted from all consumer reporting agencies immediately. This is my written instruction to opt out of credit reporting for this account. If my instruction to opt out of credit reporting can not be honored, I request a statement on your companys letterhead signed under penalty of perjury stating why it can not. I am aware, the making of any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15 U.S. Code 6821 such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to 500,000 for a felony by an organization or imprisoned for 5 years or both. Sincerely, XXXX : XXXX
01/31/2017 Yes
  • Credit card
  • Other
  • GA
  • 30043
Web
I opened a dispute with Discover Card because I was over charged by XXXX Moving Truck company for gas along with an invalid late fee for car trailer return. I provided Discover with the receipt for filling the gas tank at the station across the street right before the return, along with the return information for the car trailer. After Discover did what they claimed was their " investigation, '' which was nothing more than obtaining a falsified document, which was signed by XXXX of XXXX 's employees, the dispute was ruled in XXXX 's favor. I then informed Discover that the signature on the document provided to them was not mine, I also pointed out that I was only obligated to fill the tank up to where it was when I received the truck, which was documented on my sign out invoice, but instead I filled the tank to full, Discover reopened the dispute. In the meantime I called XXXX in objection to their employee signing their name on the customer portion of the document that they sent to Discover, they agreed that it was inappropriate and looked into the matter further. When they got back to me, they apologized and said they would credit my account for {$150.00} which included the {$73.00} disputed amount, plus an extra amount for my inconvenience. I informed Discover of the outcome. After XXXX credited back my account and everything was settled, Discover still had my account notated as the dispute being resolved in XXXX 's favor and the charge as being valid. When I called to make them aware of this misinformation, I was told that there was nothing they could do about it because the information was pre-printed. I asked that it be manually overridden so it would be reflected on my account accurately. After going back and forth trying to get the information corrected, I called the executive office and spoke with XXXX XXXX, which also resulted in no correction on my account. This company 's inability to document correct information is unacceptable and this level of complacency, incompetence and mediocrity is appalling. My account needs to be documented correctly to reflect the correct information. The employees at this company just throwing their hands up and saying there 's nothing we can do because something is pre-printed is ridiculous and I would like my account corrected properly.
08/18/2016 Yes
  • Credit card
  • Billing disputes
  • NY
  • 11791
Web Older American
To whom it may concern XXXX I hired a company called XXXX XXXX to replace my existing air conditioning system for the following reasons. XXXX 1. They claimed that the air conditioning wasnt powerful enough. XXXX 2. They claimed that the wire was undersized. XXXX 3. we needed an air conditioning duct in the ceiling of the living room, this work would be done for {$9000.00}. A copy of the contract is included. XXXX 4. They agreed that they would take a deposit of {$3000.00} which i paid on XXXX XXXX and they would expect the {$6000.00} upon completion. XXXX 5a. upon inspection of the job, they never installed the duct work in the ceiling for the living room, but charged my credit card anyway for the remaining balance of {$6000.00} on XXXX XXXX. When i confronted them, they said that they needed me to know that there was no place to put the duct without me doing some of the work.I explained that this was n't in the agreement. XXXX 5b. I stopped the credit card on XXXX XXXX for the {$6000.00} XXXX 6a. They finally agreed to install the air conditioning duct, by the XXXX XXXX, as long as i would give them the payment in full up front which i agreed. 6b. On XXXX XXXX, they sent over technicians that explained to me that they could n't do the work. XXXX 6c. The guys that came to do the work did n't have the right parts for the job to be done and their ladder was too short to reach the roof outside, they needed to borrow a ladder from my neighbor and after looking at the job on the roof, they couldnt figure out where to start. XXXX 6d. They also didnt bring the right ladder for the inside of the house because the ceilings were high they could n't reach the ceilings in the house. XXXX. XXXX XXXX i put in a second dispute to cancel the charge of {$6000.00}. XXXX 8. They agreed to come back and finished the job but needed a set of blueprints, which i sent them via email about 2 weeks ago. XXXX 9. I asked them for a letter of intent or diagram showing me how they would install the duct work, and i have n't heard from them in 3 weeks. XXXX 10. I understand that XXXX XXXX is trying to have Discover reverse the charges in their favor which i dont believe i should pay for something that isnt complete. XXXX Please advise me on this matter. XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX
12/30/2022 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Can't close your account
  • WA
  • XXXXX
Web
I tried to access my account on XX/XX/22 online. The system needed to verify me but they only had my old cell phone number on file. They had no other automated way to verify me even though my email address had not changed. I had to call and they still would not do anything for me until I faxed or sent a copy of my Drivers License. I don't have access to the technology for this and don't make it into town often, hence why I do my banking online. I filed a complaint here already and the response took almost a month to reach me. This is the exact response I got : " You may also mail or fax the document with the information provided below. Please include your full name, address and last four digits of your account number should you wish to fax or mail the information. Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Fax ( XXXX ) XXXX Thank you for allowing me the opportunity to be of service. Should you have any questions or concerns, please contact me at ( XXXX ) XXXX, Monday through Friday, from XXXX XXXX XXXX XXXX XXXX, ( XXXX ). Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Burea '' On XX/XX/22 I finally made it into town and went to a local credit union to ask if they could fax it. They said it was not a service they provided but they would do it one time for me. They proceeded to fax it and I waited until they received a confirmation that it had been sent successfully. I called Discover the next day, XX/XX/22, to access my account and they could not locate my fax and therefore would not give me access to my account unless I told them the number that the fax came from. I don't have that info and the credit union is not able to give it to me because it is a phone system, whatever that means. I followed Discover 's instructions exactly ( nowhere in the instructions did it indicate I would have to provide the fax number it was coming from ) and they still won't allow me access to my money. It has been withheld from me for 30 days now. I am still receiving monthly statements to my address on file with them that has NOT changed. All I want is to close the account. They can either send me a check to the address they are still using for statements OR they can send the money through ACH to the XXXX account that is also on file on my account.
04/19/2017 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Keep getting calls about my loan
  • PA
  • 19131
Web
Back in XXXX of this year i received a letter in the mail from discover student loans stating that no repayment is required until XXXX and XXXX in XXXX . So i assume that everything on their was okay and that i would not have to worry about making any payments. About a week later in the same month i received a phone call from a representative at discover student loans asking me for a payment. I told them that i received a letter from their office that i do not have to make a payment until XXXX . I requested to speak to a manger about this matter. I then explain the manager the same situation, he then had me on hold for about twenty minutes so that he can find a copy of the letter that was sent to me, after th e manager XXXX came back to the line he informed me that he could not find a copy of that letter being sent to my home. At that point i felt like something fraudulent was going on because i find very hard to believe that he could not find a copy of that particular letter that was sent to my house. They are responsible for keeping record of all correspondence and letters being sent to me. Moving forward after that happen i been receiving harassing phone calls from them about a payment and i keep telling them about the letter. I even sent in a copy of that letter to them and they keep telling that they do not have it. I am tired of getting all day everyday about this issue. They are also threatening my co-signer of the loan as well. And the co-signer of the loan told them that she had know idea that being a co-signer for loan would make her legally financially responsible. They had informed her about a form to fill out that would basically file for fraud that i stole her identity to co-sign a loan for me when i did not do that at all. The co-signer is my grandmother XXXX XXXX , would could wrongfully implicate me because i did not steal my grandmothers identity to co-sign a loan, she had gave me her information with her consent and to consent to co-sign the student loan. I am tired of the harassment everyday by loan people that calls me everyday. They lied to me about not receiving the letter that stated to me that i did not have to make a payment until XXXX . I want the harassment to stop and they need honor according to the letter that they gave me.
11/22/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 20602
Web
To Whom It May Concern, I am writing to lodge a formal complaint against Discover Bank and their collection agency, XXXX and XXXX XXXX, for non-compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in their handling of an alleged debt. Description of the Incident : The sole correspondence I received regarding the alleged debt was from XXXX and XXXX XXXX, representing Discover Bank. This initial contact occurred on XX/XX/2023. Subsequently, I sent a written request for debt validation to XXXX and XXXX XXXX within the required XXXX period, as outlined by the FDCPA. This request was dispatched on XX/XX/2023 via certified mail. A copy of this letter is included in the attachments for your reference. Violation of FDCPA : Under the FDCPA, collection activities must be suspended upon receiving a written request for debt validation until the debt is confirmed ( 15 U.S.C. 1692g ( b ) ). However, neither Discover Bank nor XXXX and XXXX XXXX has acknowledged my request or provided the necessary validation, yet they continue with their collection efforts. This behavior is a clear violation of the FDCPA. Violation of FCRA : The FCRA mandates accurate credit reporting. The continuation of reporting this unverified debt by Discover Bank could potentially be erroneous, adversely affecting my credit score and report. This situation may constitute a violation of the FCRA 's requirements for accurate and fair credit reporting. Request for CFPB Intervention : I respectfully urge the CFPB to investigate these potential violations. The ongoing collection activities and credit reporting, despite my unacknowledged request for debt validation, are concerning and may negatively impact my financial health. Attachments : Enclosed are copies of the correspondence from XXXX and XXXX XXXX, my written request for debt validation ( refer to the attached letter sent to XXXX and XXXX XXXX ), and any other pertinent documents. Conclusion : I seek the CFPB 's assistance in resolving this matter and ensuring my rights under the FDCPA and FCRA are protected. I am available to provide further information as needed for your investigation. Thank you for addressing this important issue. I look forward to your prompt response and a favorable resolution.
12/12/2015 Yes
  • Credit card
  • Billing disputes
  • AZ
  • 85260
Web
I disputed a transaction because I received a faulty product from XXXX XXXX. XXXX admitted the product was faulty. They refunded my money after refusing to refund me when i went into the store initally. It was a huge ordeal, but they finally refunded it after acknowledging the product was in fact, faulty as received. This product happeend to be a computer component that ended up damaging another component ( that was also purchased from XXXX ). I went into XXXX and told them what happened and that the product was damaged by their faulty equipment in the first place. They refused to refund me my money even though they h ave a policy regarding defective equipment ( it is not barred from refunds ). After they refused to refund me for the piece of equipment that I bought from them that their intially purchased product damaged, I submitted a dispute to Discover Card. Discover closed the dispute in my favor a couple of weeks later. I have the documentation of this. A couple weeks after taht, I received an email stating that they reversed the credit because XXXX XXXX " disputed '' it through them. They gave me an opportunity to present my documentation in response to XXXX dispute. Or so I thought. I spent hours drafting my respoonse and getting a witness statement because everything that the XXXX manager that I dealt with and that drafted the response to Discover Card said, was a blatant lie. I faxed my documentation in the same day and I spoke to discover today who still is refusing to protect me and the purchase. At this point, XXXX refuses the refund even though it is within their policy. Discover Card is gave me the opportunity to present my evidence which I did, but they are n ow completely overlooking it, and I am out over {$200.00} for a computer component that does nto work due to the original XXXX component damaging it. This is not fair. Discover said that they wil lnot take any of my statements into considersation simply because of the response they received from frys. I want to know how this is fair to a consumer to have a manager make up lies and have those hold water over their " valued '' cardmember 's statement ( and a witness statement ) and other supporting documents. My complaint is towards DiscoverCard in not accepting my rebuttal or evidence to approve my dispute.
09/16/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 452XX
Web Older American
On XXXX XX/XX/XXXX I received a warning from XXXX XXXX XXXX that Discover Card had reported me for an unpaid bill after 60 days due. I have had a Discover card since XXXX, and I have never missed a single payment, so I thought it was fraud. Though I use the credit card irregularly, I had agreed to paperless billing on the conditions that they would send me email alerts when a statement was posted or a bill was due ; I have always paid the full balance of the statement before due date. I attach screenshots of the XXXX report ( via XXXX ) and of the Discover website with checkmarks showing that I was due to be sent these email alerts to my work email ( which has not changed ). I also attach a screenshot with a search for all incoming Discover emails. It shows that I received none of these required notices after XX/XX/XXXX. I called Discover Card immediately. I found that my husband had used the card twice in XXXX of this year, and I would have paid for them as soon as the statement came due - but Discover sent me no notices of posted statements or bills due. As I use the card infrequently, I noticed nothing wrong, since they don't post statements if the card isn't used, and as they no longer send paper statement, I had no idea that the bill was due. What is more, they obviously could contact me, since they were sending me advertisements for their services and new cashback bonuses. Their representative agreed to eliminate the penalties I had been assessed over the past XXXX months without knowing it, as she admitted that their web service department had always had the correct email address for me, and that I had required that they notify me of statements and bills due, and they had not done it. In fact, I paid the full bill due, with penalties and interest, that very moment online, in order to make sure that they could not hold it against me that I had not. ( I have no idea whether I will really get the unfair penalty payment back, as she agreed, since I no longer trust Discover card. ) But she refused to notify the credit agencies that this delinquency in payment was due to an error on Discover 's part, not on my part. This means that Discover has ruined my otherwise perfect credit rating, due to their own incompetence, and they refuse to admit it or make recompense for it.
09/12/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 013XX
Web
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX
05/01/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • MD
  • 21044
Web Servicemember
I am trying to sell my house and last week, I was informed by the title attorney that there is a judgment lien on my property. I was not previously aware there was a lien. Upon further investigation, I discovered that this lien was a result of a default judgment that was obtained against me in XXXX . I was never served with the lawsuit and thus never had a chance to respond. The original amount of the judgment was {$11000.00} but with judgment interest of over {$18000.00}, the current judgment amount is {$32000.00}. The background of this credit card debt is that my wife, at the time, opene d a Discover c redit card account while I was XXXX overseas. Although I did not authorize the account, upon my return and discovery of the amount due, I contacte d Discover 's collection agent, XXXX XXXX XXXX XXXX ( XXXX ) and in XXXX , I agreed to a full and final settlement of {$11000.00} to be paid over monthly installments of {$590.00}. Of this amount, I have paid {$10000.00}. I stopped making payments when in XXXX XXXX , I was informed by my bank that my monthly payment of {$590.00} was returned. When I contacted XXXX to find out what happened, I was informed that my account had been sold to XXXX XXXX . I was never informed that this sale took place or that my account had moved. I tried to contact XXXX XXXX to resolve this matter and resume my payments but they refused to honor the settlement agreement. In XXXX , I was contacted by yet another debt collection company, XXXX XXXX XXXX , demanding full payment of the original amount due. I tried to explain what happened but they would not listen to me or try to resolve this matter. I wanted to pay the amount of the settlement as agreed, but the account kept being resold and/or placed with another agency, and the successor agencies did not have any information about the previous agreement and would not honor it. I want this judgment lien removed because I was never served with the lawsuit and I in any event, I have paid a substantial part of the judgment amount. I am about to lose the sale of this property because of a fraudulently obtained default judgment and the inability of Discover Bank to track its sales of charged-off accounts and prevent further abuses by debt buyers and collection agents.
07/04/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • TX
  • 75208
Web
Discover Credit Operations Team Subject : Violation of 15 U.S. Code 1681m - Requirements on Users of Consumer Reports Reference Number : XXXX Dear Sir/Madam, I am writing to bring to your attention a serious matter regarding the denial of an extension of credit on my open-ended credit plan with Discover. I have recently discovered that this denial may be in violation of 15 U.S. Code 1681m, which outlines the requirements placed on users of consumer reports. According to my understanding of the law, as a user of consumer reports, Discover Financial Services is obligated to follow certain regulations when making decisions related to extending credit. Denying me an extension on my own credit, which is not related to insurance or employment, raises concerns regarding potential non-compliance with the aforementioned statute. Section 1681m specifically states that users of consumer reports must have a permissible purpose for obtaining the report. Denying an extension of credit on an open-ended credit plan, where the consumer is already an existing customer, does not appear to meet the criteria of a permissible purpose as described in the statute. I kindly request that you review my case thoroughly and provide an explanation for the denial of my credit extension. If there has been a misunderstanding or error, I would appreciate it if you could rectify the situation promptly. Additionally, I would like to know what steps you will take to ensure compliance with 15 U.S. Code 1681m in the future, so that no other customers face similar issues. I believe that open and fair communication is essential in resolving any concerns, and I hope that we can reach a satisfactory resolution to this matter. I look forward to your prompt response within [ mention a reasonable time frame, e.g., 10 days ] from the date of this letter. Thank you for your attention to this matter. Caveat Any harm caused to a vessel is equivalent to harm inflicted upon a living person, If Discover continue to violate these rules, it will be considered as your agreement to my terms and conditions. You have a period of 10 days to respond to this agreement. Failure to respond will be considered as your acceptance of the Terms of XXXX XXXX Sovereign and the Fee Schedule of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
06/08/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 141XX
Web Older American
On XX/XX/2022 I received a text text message at XXXX AM from Discover card services saying that a charge was being placed on my bill. The charge involved was on an old credit card from Discover that was used fraudulently not by me. The card was not lost stolen or anything but Discover card said that someone else had used fraudulently in another state. I immediately called and said that the charge which was a renewal of a XXXX membership card was not authorized because I had not authorized automatic renewal. Each time I called I was on the phone for an extended period of time. In about a week the company told me that they had taken the charge off my bill and I would see it on my statement in 10 days. That never happened. My credit card which Ive had since maybe XXXX is auto paid and never carries a balance. When this charge occurred it really was never taken off my bill and I paid for it. When I called the company to question they told me that the charge had already fallen off their copy and I should just wait a little longer. That never happened finally I called and spoke to a supervisor. the call took 47 minutes and she told me that even though the charge was put back on a subsequent bill and then taken off I made her realize that I had still paid for that on a previous bill she apologized all over the place and after 47 minutes of hold time while she was checking, said that the credit had been put on my old fraudulent case credit card number. She promised me that she would personally take care of it and I would see the credit on my billing statement online within 72 hours that was on XX/XX/XXXX. As of today I still have not received a credit that I can see another bill has been auto paid. This charge is for {$59.00} for a XXXX membership renewal. The supervisor told me that they realized when XXXX responded that I did not authorize automatic renewal. But I just cant seem to get my money back and I refuse to speak to these people anymore. They speak down to me and dont listen. they keep shuffling me from department to department. Apparently none of the departments speak to each other and they dont even make a referral to the other department. I want my money returned to my account. I feel like they have stolen money from me. I also feel like I have been bullied and abused.
09/17/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • CT
  • XXXXX
Web
UPDATE TO CLAIM # -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - DISCOVER has discriminated against me by denying a RIGHT TO CREDIT. Under 15 USC 1602 Credit is defined as the RIGHT GRANTED. Notice it is a fact I XXXX XXXX am the Natural Person and ORIGINAL CREDITOR as defined under ECOA 15 USC 1691a. Notice it is a fact my social is a credit card as defined under 15 USC 1602 for the sole purpose of extending credit. Notice it is a fact I entered into a CONSUMER CREDIT TRANSACTION WITH DISCOVER where DISCOVER ACQUIRED MY SOCIAL and CONDUCTED A FINANCE CHARGE WHERE THE SUM OF ALL CHARGES WAS CREATED MEANING, THEY GAINED MONEY IN THE TRANSACTION WHERE I HAVE NOT RECEIVED ANY BENEFIT. Notice it is a fact DISCOVER has acquired my social aka credit card which is for the sole purpose of extending credit as a RIGHT as defined 15 USC 1691a has acquired funds but has committed ADVERSE ACTION against me denying me a right and denying me credit causing me to suffer and experience harm and has discouraged me from extending further credit. DISCOVER instead of taking this matter seriously with utmost regard to the facts stated they instead continue to violate me and deny me a right and even INSULT ME in telling the follow the XXXX perfectly but yet disregard where it states it shall be unlawful to discriminate against a consumer for the reason they have exercised a right and also stating they will ignore further responses. Notice it is a fact I have exercised a RIGHT TO CREDIT and have IN FACT been DENIED and ABUSED, DISCRIMINATED BY DISCOVER. Notice it is a fact DISCOVER is now in direct violation under 15 USC 1644. IF THIS MATTER IS NOT TAKEN SERIOUSLY AND DISCOVER AMENDS FOR ITS HARM AND ABBUSE SINCE THEY HAVE ACQUIRED MY CREDIT CARD IN EXCHANGE FOR MONEY VIA A FINANCE CHARGE AND GIVEN ME NO BENEFIT.THIS MATTER SHALL ESCALTE. DISCOVER HAS IN FACT ACQUIRED INCOME IN THIS CONSUMER CREDIT TRANSACTION AND APPEARS IT DOES NOT WISH TO PAY INTEREST ON A FINANCE CHARGE AS REQUIRED UNDER THE FEDERAL RESERVE XXXX AVOIDING TAXES AND HAS NOT RETUNRED TO ME THE NEGOTIABLE INSTRUMENT AKA APPLICATION I WILL BE FORCED TO FILE A IRS FORM XXXX AND IRS FORM XXXX AGAINST DISCOVER. I HOPE THIS MATTER CAN BE SETTLED QUICKLY AND SWIFTLY SO BOTH PARTIES MAY MOVE ON..
10/08/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11427
Web
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX
09/29/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11550
Web
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX
05/31/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33056
Web
Hello my name is XXXX XXXX and this is my XXXX complaint towards Discover. Executive Office representative XXXX sent me an email which I never consented any contact from him and has failed to answer my response. Im aware an email sent to XXXX of the Executive Office stated Hello XXXX, Im aware that congress is really adamant about protecting consumers right to privacy. Nothing under the FCRA REQUIRES a furnisher to furnish negative information to any consumer reporting agency. The term " negative information '' means information concerning a customer 's delinquencies, late payments, insolvency, or any form of default. The term " nonpublic personal information '' means personally identifiable financial information- ( i ) provided by a consumer to a financial institution ; ( il ) resulting from any transaction with the consumer or any service performed for the consumer Im aware that Discover is only furnishing this negative information because the company 's " policy '' allows Discover to use unlawful extortionate means to coerce you to make payments on extensions of credit. Collections of extensions of credit by extortionate means is a violation of 18 USC 894 and carries a criminal liability of up to 20 years. Can you clarify the billing errors that you claim im allegedly late on? I would promptly like to receive the accounting for this. Warm Regards XXXX has failed to respond to my request and has willfully neglected to respond to my request. As a consumer if theres any billing dispute between consumer and financial institution they lose the right to collect until the billing dispute is resolved. CFPB please be aware that Discover continues to solicit and send me payment reminder emails when theres a dispute between parties. Im aware as a consumer per the IRS I can request the AUD trail and the account ledger for the this account. XXXX of the Executive Office please furnish the requested documents. You failed to correct my report and now Im asking for all verifying documentation. Im giving Discover ( 3 ) business days to send me : AUD trail Account Ledger As a reminder, since theres a dispute between parties. Discover can not collect any amount until the dispute is resolved. There must be suppression of the account until all disputes are resolved.
12/08/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 31204
Web
On XX/XX/19 I purchased first class tickets with XXXX Airlines, I also purchased travel insurance through XXXX XXXX a XXXX Partner Per XXXX recommendation on their site. I was unable to make the flight due too illness All parties attending business eat at the same restaurant and contracted some sort of bug. Meeting was canceled, Some parties left on earlier flights and were already in place others whom had not reached airport returned home. The Airline denied my refund stating it was a non refundable ticket, which is why we purchased travel insurance to be safe. My credit card company ( Discover ) offered me a temporary credit while they claim to arbitrate on my behalf. The Airline did not dispute in a timely fashion and therefor a decision was found in my favor from the credit card company, Somehow XXXX whom is also a customer od Discover ( a much larger Customer were given an addition bite at the apple to turn in documentation to reverse the credit applied to me, again a decision was found in my favor, The airline was then approached by the credit card company and given specific instructions on what to submit to get the credit reverse. Just Now on XX/XX/XXXX I was recharged the fee of XXXX dollars after they were coached by the credit card company on hoe to obtain the funds my travel insurance claim was never followed up on even though we submitted all documentation and all fees were paid It is unfair for the two giants Discover/XXXX to team up behind the scenes for several months to figure out the correct verbage to force me the little consumer to pay for a ticket that was never used. and To totally disregard the protection in place which has XXXX at the top of the letter head giving me false hope of protection. Now I am being told only after many hours of tiresome conversation with the credit card company I can submit additional information but only have 10 days to do so. Upon contacting XXXX Airlines they said the matter was closed and done they suspended the ticket and issued me a credit through the credit card company? and they have not resubmitted any new evidence that would change a decision from the first set of information they submitted. Whos side is the credit card company working for? obviously the bigger client which is a unfair practice and deceitful.
04/28/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • TX
  • XXXXX
Web Older American
On XX/XX/2023 I was contacted by an individual identifying himself as a representative of Discover Bank Fraud Department. My caller ID showed Discover bank and the individual sent me the expected text message to verify my identity by reading back the number code in the text. They proceeded to have me verify as either authorized or unauthorized, charges on my debit card, due to suspicious transactions. Some of the charges were actual purchases I transacted. Over the course of this call I was tricked into providing them credentials, driver license image, which they in turn used to conduct an unauthorized wire transfer from my savings account, XXXX, in the amount of {$110000.00}. I became suspicious and terminated the call and phoned Discover Bank directly. I was apparently just minutes late in alerting them to the unauthorized transaction. The wire had been sent and the wire recall request, as I later learned, was unsuccessful. I contacted the XXXX XXXX, FL Sheriffs Office, Economic Crimes Task Force. They requested that I urgently contact Discover Bank and report back with the wire transfer details : destination bank, account number, Swift number, etc., as they said there would be a short window of opportunity to recover the funds. Discover Bank refused to release the information to me, stating that it was under investigation by the bank. They did however provide me with a direct number for law enforcement use and to provide that to the Sheriffs Office. They assured me they would cooperate with law enforcement without requiring a subpoena. The county Sheriff agent contacted me later to inform me that the call was unanswered and that he received no return call from the voicemail he provided them. I contacted Discover Bank several days later to inquire about the progress of their investigation. I was verbally informed that their investigation was closed. They stated that the receiving bank refused to return the funds, and there would be no restoration to my savings account. This was in despite of being assured during three different conversations I had with the bank on the day of the incident and the following day, that I could expect the funds to be restored. As of this date, XX/XX/2023 I have not received a formal notification of the results of their investigation.
09/27/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • OH
  • 44001
Web
There is a fraudulent charge on my credit card account. I first contacted my financial institution, Discover, about the issue on XXXX/XXXX/16. After being transferred numerous times XXXX in the investigations department told us that he opened the claim and that I would receive the credit of the fraudulent amount to my card within three business days. The credit did not show up to my account as promised and on XXXX/XXXX/16 I contacted Discover and explained the conversation and asked if I needed to take additional steps, XXXX in the fraud department could not see that a claim was ever opened. She contacted a supervisor and then told me that she could n't do anything, then attempted to transfer me to someone who could, but hung up on me instead. On XXXX/XXXX/16 I contacted Discover in another attempt to take care of the issue and was told that I needed to fax in the statement because she could n't find it. When I was easily able to pull up that statement on my online account I called back to customer service. XXXX was very helpful, found the charge and then explained to a fraud specialist how to find it. After she transferred me to a specialist, XXXX at XXXX EST, even though he could see the statement he became very rude and told me I needed to fax it to him anyway, even though he admitted to having it right there in front of him. I faxed the statement as requested, and then called back on the XXXX as I was told by the representatives, to have the claim opened. XXXX in the Charge verification department seemed to try very hard to get the issue resolved. He told me that we should never have been asked to fax the statment and was even able to get ahold of XXXX who remembered me and helped him to find the statement. Once he had the statment he asked me a number of questions about the charge, and from there, he attempted to open the claim. He said his system was n't allowing it, but he kept trying and told me " even though I 'm having trouble, if there is fraud on the account we HAVE to open the claim. '' He put me on holds while talking to multiple departments and supervisors that totaled to an hour and a half of my time. Then he came back and told me that he is sorry there is nothing he can do about it and that I should try contacting government agencies about the problem.
05/05/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 62002
Web Older American
On XX/XX/XXXX I purchased an above ground swimming pool from XXXX XXXX in the amount of {$9400.00}. I paid a deposit of {$4800.00} using my Discover Card and agreed to pay the 3 percent transaction fee that Discover charges the merchant. On XX/XX/XXXX I received a call from XXXX in their store to advise me that the pool they had sold me was no longer available even though I had been told by her on XXXX that it was in their warehouse. She offered different pool option but after discussing with my husband, I called on XX/XX/XXXX and told her that we wanted a refund if they were unable to provide us with the pool we had purchased. When I went into their store on XX/XX/XXXX to pick up my receipt for the refund, she presented me with an invoice for {$140.00} to cover the 3 percent fee that Discover charges. I refused to sign it and came home and opened a dispute on my Discover Card. I provided Discover with the above facts and copies of the invoice and sales receipt. On XX/XX/XXXX Discover send me a link to a message showing what XXXX XXXX had provided to them including the {$140.00} invoice that I refused to sign. Discover at no time offered me an explanation as to why my dispute was denied nor have given me an opportunity to rebut their decision. On XX/XX/XXXX I sent an email to XXXX XXXX, XXXX XXXX, requesting an explanation. On XXXX I received an email from XXXX in their Executive Office of Customer Advisory department requesting more information, such as account number, that was already provided in the email to XXXX XXXX. I sent an email to her that same day providing the information and did not receive any further correspondence from her. On XXXX and XXXX, I again sent my email to XXXX XXXX with no response. On XXXX, I sent an email to Discover XXXX XXXX XXXX requesting an explanation regarding this denied dispute. That afternoon, I received a phone call that I missed from XXXX. I sent her an email letting her know that I have a difficult time catching up with her on the phone and to please contact me via email. She did not. I called her phone number today XXXX XXXX and she agreed to investigate my dispute but seemed to have no knowledge of anything that had transpired. She said she'd call me back when she had a decision but could not provide any kind of time frame.
10/17/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 14226
Web
XXXX XXXX - I find on my credit report derogatory information from Discover Card that does not belong to me. I dispute this information through the Credit Bureaus, XXXX concedes it should not be reported, and the tradeline is removed from my credit report. XXXX XXXX - CFPB XXXX XXXX. XXXX & XXXX - I received a creditor 's garnishment in a paycheck and a letter advising of such. This is from XXXX XXXX XXXX XXXX, by way of a debt from Discover Card. After attempting to remedy this over the phone with XXXX, and advise of the history with XXXX XXXX above XXXX, and getting nowhere ( as I was simply told my information would be passed along ), I file a complaint through the CFPB, disputing the debt further. XXXX defers to XXXX who in turn pass along a judgment for a debt owed, as well as Collections Notices and statements showing past due amounts owed. All of these were mailed to an address that I did not reside at during anytime in my adult life. As a result of the documents XXXX forwarded, I requested a copy of any originating paperwork, as I 'm now concerned ( confident? ) that this account was opened in my name without my authorization. ( Of course, I had no recourse to dispute it outside of the XXXX XXXX credit bureau dispute - though since it was corrected rather immediately, I was under the impression it was a straightforward error at that time. ) The only information XXXX XXXX XXXX have provide with regard to the origination of this debt, was a statement saying, essentially, " Well we have your information on file. So clearly you opened this account. " ; given the environment in the financial industry, particularly around sales practice fraud and misconduct ( i.e. XXXX XXXX XXXX, this statement/insinuation is irresponsible at best and indicative of a larger problem with XXXX at worst. After this, the funds deducted from my paycheck were returned to me, as expected. And I did n't hear form XXXX or XXXX again. Until this month. XXXX XXXX - I received a letter from XXXX, again advising that I owed this debt, and that they would be pursuing the funds by way of the judgment I referenced earlier. XXXX months after I was under the impression this was corrected or fixed for the second time. XXXX years after I was under the impression this was fixed the first time.
10/24/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NY
  • 12533
Web
In XXXX and XXXX of XXXX we had several charges post to our account from XXXX who is a processing service for vendors in XXXX. At the time we were just starting our business and had lots of charges posting to several accounts in order to get our store up and running. Amongst the Chaos we must have approved in error a text asking for authorization on our Discover card from XXXX we thought it was for something else we were ordering for the store. Upon receiving our paper statements and reviewing them we realized we were charged over XXXX Dollars for several unauthorized charges to our account. We immediately disputed all the charges in question with Discover. The reacted quickly and issued a new card number for us and labeled all the charges in question as fraud and they were removed from our account in XXXX and XXXX of XXXX. Then in XXXX of XXXX Discover received evidence from the vendor that they shipped us XXXX packages trying to validate the charges in question. We explained to discover that yes this merchant did do that but these were non items of value, 100 % not ordered by us or authorized and we rejected the shipments by XXXX and disputed the Import and Duty taxes by XXXX from this vendor as well. Discover in shock to us re instated the charges and re billed our account. We contacted the executive team at Discover in XXXX of XXXX assuring them we had give zero approval for these charges, that our card was in our possession 100 % of the time when this took place and this was a scheme and 100 % fraud. We explained to them about the rejected shipments to our billing address and how we were also disputing the duty and import charges with XXXX. The asked us to mail in and email all documents we had in regards to this case. We did that XX/XX/XXXX and faxed all information to XXXX at XXXX Ref # XXXX. We told the rep over the phone that in good faith we will continue to make the min payment due on the account so our credit rating was in good standing until the issue was resolved. She confirmed that was a good idea. Fast forward to XX/XX/XXXX we have received zero response to this matter by Discover. Our account has not been corrected for the fraudulent charges and we continue to make payments and are getting charge monthly interest for unauthorized fraudulent charges.
07/28/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TN
  • 38018
Web
On our Discover credit card, my husband and I owed {$280.00} by XX/XX/2019. I have a recurring payment set up with our bank 's bill pay for {$200.00}, which went out on XX/XX/2019. At the time, I did not realize that the payment should have been {$280.00}, rather than {$200.00}. I always try to pay more the minimum each month, and I have never been late on a payment. Discover contacted my husband on XX/XX/2019 by phone. They were attempting to get him to pay, not only the {$82.00} that we were behind, but they also wanted the XXXX payment that was not due until XX/XX/2019. He doesn't do our budget so he told them that they would have to speak to me. He did not give them our bank account information over the phone and authorize a payment. He called me and told me about the situation, and asked me to take care of it. I immediately went online to look at what we owed, which was have been {$82.00}. Because I like to pay more than the minimum payment each month, I decided to make a payment of {$250.00}, which was made on XX/XX/2019 through Discover 's internet payment option on their website. Until then, Discover did not have our bank account information so they would have been unable to process a payment. On, XX/XX/2019, I was traveling, and I started to get epay alerts for overdrafts in my bank account. When I checked my account, I realized that Discover had withdrawn an additional {$360.00} dollars from our bank account on XX/XX/2019, which caused us to go into overdraft and be charged {$36.00} every time we use our card. We contacted the credit card company immediately to ask them to remedy the situation. Because my husband is the primary on the account, the hour that I spent on the phone with them getting passed back and forth and repeating my story counted for nothing. My husband called and spent another half our talking with them, then I had to call them and spent another 45 minutes repeating our story and getting transferred to different people before they said they would investigate the situation. I am now waiting for a response from them which they said would take up to 48 hours. Meanwhile, not only are we out the {$360.00} dollars that we had earmarked for our travel, but we also have hundreds of dollars in overdraft charges. Please help us recover our funds!
05/12/2016 Yes
  • Credit card
  • Credit determination
  • TX
  • 78613
Web Older American
I was forced to carry XXXX mortgages and left with over {$20000.00} in overdue bills and damages when the tenants in my California home disappeared in XXXX 2015. I managed to cover everything, but had to juggle and barely made it. I got the house back on the market and sold, but I was financially in trouble until I received the monies from the close of escrow. I called Discover Card and explained to a representative my situation requesting that I be allowed to hold off one additional month and would pay in full on XXXX XXXX or as soon as the mortgage closed. The representative agreed to allow me to do that and said he would notate it in the billing notes. We had an agreement. At no time did he inform me that Discover would report me to the credit reporting companies, my understanding was, we had an agreement. I was finally able to plan on giving my family the new home I had been promising them for several years. Discover turned me in as late to the credit monitoring agencies and caused a XXXX point drop in my credit rating. I had nothing negative on my credit record prior to this. Nothing! Had I realized they would do this, I would have done everything I could have to prevent it, and in reality, thought I had. I had no idea they would do so, as we had an agreement. I called them. They were much less than concerned, one Discover representative telling me to read the full contract after explaining to her that this has placed and unfair, and in my opinion, extreme hardship on me and my family. I 'm retired. I 'm a XXXX and I do n't understand much of the financial working of credit companies and I 'm just trying to survive. But when I make an agreement, I stand by it. This has caused us to have to spend {$1500.00} to {$2000.00} a month more if I am going to give my family the home they deserve, due to a higher interest bracket and having to pay mortgage insurance, all due to the credit report from Discover Card, and their not honoring their agreement with me. Again, my credit was nearly in the XXXX prior to this. It dropped into the XXXX due to it. I feel Discover Card did not properly honor their agreement with me and I feel they should pull the negative report. Especially as I paid them in full as soon as I got the escrow money, holding up my end of the agreement.
05/27/2023 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 91001
Web
Greetings, I am on long term XXXX receiving {$13000.00} monthly income thats non-taxable ; XXXX credit scores and have sufficient equity in my home. I requested an equity loan from them, asked that they pay creditors directly. Was told that I wasnt qualified the second time because my owning a business that took a financial loss that took my XXXX over 49 %. My accountant provided Discover Home Loan with information that Im no longer affiliated with the business thats now profitable. Additionally I provided time stamped communication between myself and the other person thats the owner where I bequeathed my ownership interest thats time stamped. When I last spoke to Discover XX/XX/23 I was told if I was able to provide signed proof from my account of the changes that Id be qualified as Im well under 32 % DTI. I have jumped through numerous hoops, havent received return calls/communications and am independently guided differently each time. I dont believe theyre taking the time to read, are not well versed in individuals receiving-disability thats at the amount that I have, nor are they interested in advocacy for applicants. This has been a waste of my time to this point. I know Im capable of repayment. Documentation has been provided directly from attorney dispersing trust proceeds to me as well as accountant. If this had no chance of approval I wouldnt have gone through this process twice, nor would I have solicited time of law firm nor accounting firm. I have spoken to countless employees that truly follow through. Its to the place of being quite discriminatory in nature. Ive provided exhaustive information and its not even being reviewed. The illustrative information isnt being documented nor conveyed. I havent received follow up. An acceptable solution at this juncture is my equity loan approval at the lowest rate. If there were any problems I should have had this information conveyed long before earlier this week because I called. If I dont receive follow up I am reporting this issue to housing, lending authorities as well as ADA advocacy organizations. This is complete inappropriate treatment, handling and anything but professional. Thank you in advance for your timely attention to this matter. I need to speak with the executive committee.
01/04/2022 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • PA
  • 16510
Web
I initially submitted this complaint on XX/XX/2021, case # XXXX. The response from Discover was inadequate and did not address any of my concerns so I am resubmitting it. I signed up for automatic payments with my private loan servicer, Discover. During this process, I was able to make an " extra '' payment and was given the option of applying any extra payments to either the " principal balance '' or to the next month 's payment. I chose to apply extra payments to the principal, and have been making an extra {$50.00} each month for at least the last year. When I reviewed my statements for the past 4-5 months I noticed that all of my additional payments are being applied to " interest '' and not the principle balance as I request. Discover stated that " This payment and subsequent automatic payments, including any additional payments, have been applied to the principal and interest owing on your loan, in accordance with the payment hierarchy provided when you enrolled in automatic payments for the Minimum Payment Due plus the additional amount. You were informed that payments would be applied first to late fees ( if applicable ), then to the Minimum Payment Due amount and that the additional amount you designated would be applied to your highest interest rate loan in repayment ( or to the higher balance for loans with the same rate ). The additional {$50.00} monthly payment is being applied to your loan ending in 20 as this is the loan with the highest interest rate. '' Their own response does not make sense and they do not provide any evidence or support for their assertions. For example, it says that extra payments will first be applied to the Minimum Amount Due. However, this is a payment that is, in addition to, the Minimum Amount Due. So by their own description, the full {$50.00} extra payment should be being applied to the principal balance of the loan with the highest interest rate. Second, Discover 's response does not contain any evidence of how the extra payment was applied to " principal and interest ''. They say it went to both, but in fact, they are just applying the extra payment to the interest. This is not only counter to my clear instructions but also has the effect of extending the length of the loan period and unjustly enriching Discover.
05/15/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MI
  • XXXXX
Web
About a month ago I lost my Discover card and unfortunately somebody else found it I managed to charge about {$150.00} before the card was deactivated when I noticed the card was missing the first thing I tried to do was freeze the account but the website wouldn't let me do that for some reason so I called the woman on the phone said no worries she was going to cancel the card and issue a new one and start a fraud investigation I answered a bunch of questions a week or so later I received phone call I didn't get to the phone in time and they left a message so I called back and they asked a bunch of the same questions but I answered them the gentleman I spoke with said that it was a relatively small amount and that it should be pretty straight-forward he didn't see any thing else that the investigator would need I said Thank you and I hung up couple weeks after that the whole thing happened again I ended up receiving a voicemail I called back and I was asked the exact same questions over again I happily answered them but I did explain to the guy that I'd already answered all these questions he apologized and wasn't sure why the investigator once again I was totally looks like everything 's in order and I hung up when it happened the third time to say the least I wasn't as patient I couldn't understand why you repeatedly asked me the exact same questions and I gave you the exact same answers I don't know if you suspected that they were going to change or what was going on at this point I felt like you were kind of giving me the runaround I filed a complaint he eventually responded said that you're working on it I thought to myself well maybe they'll figure this out and we can move on I called one more additional time and I was told that everything look good and they didn't need any further information so I assume that everything has been resolved then today in the mail I get a letter saying that it has been determined that no fraud occurred on your account if I didn't have the card in my possession and it was used for somebody else what do you call that if not fraud? And it goes on to tell me that I'm going to be responsible for the balance I'm pretty sure there are laws in place to protect me from that I don't have to pay because some thief stole my credit card.
08/21/2016 Yes
  • Credit card
  • Advertising and marketing
  • OH
  • 45212
Web
On or about XXXX XXXX, XXXX I lost my XXXX XXXX Checkbook which had been previously setup to use as a payment account on my Discover IT account with Discover. I immediately contacted XXXX XXXX to close this account and open a new account. I neglected to update my bank information with Discover so that my new XXXX XXXX account would be able to be utilized for payments. I infrequently used my XXXX XXXX account to pay Discover, as my main account to pay Discover was XXXX XXXX. On XXXX XXXX, XXXX I scheduled a payment to Discover from my XXXX XXXX account which had been previously closed in XXXX XXXX unknowingly that I had n't updated my Discover account with new XXXX XXXX account information. On XXXX, XXXX I was notified by Discover electronically that my account was delinquent. I contacted Discover about this issue and was informed that Discover had received the returned payment back from XXXX XXXX who indicated with the returned payment that the account had been closed. This was the first time that I became aware that the XXXX XXXX information had n't been updated with Discover. Discover did reverse the return payment fee of {$27.00} on XXXX XXXX, XXXX. I 've had this Discover account since XXXX XXXX, XXXX without any missed payments. I have received credit line increases on this account which initially started at {$6500.00} and now has a credit line of {$26000.00} which is evidence of my exceptional history with Discover. I applied for another credit line increase as has been routine for me and was shocked to be declined due to " Delinquent history on your account ''. I immediately contacted Discover and spoke with Discover New Accounts and the Executive Offices and was informed that the delinquency status would remain on my account. I inquired with both departments about Discover 's claim in advertising that they will not penalize you for your first missed payment. I was informed that the delinquency status is not being reported to the major credit bureaus, but would only be maintained in Discover records. This is in direct contrast to Discover 's advertisement that they wo n't penalize you for your first missed payment, as I am clearly being penalized for being late with one payment over the course of a 2.5 years exceptional account history with Discover..
10/22/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 14450
Web
I obtained writing services from XXXX from XXXX XXXX which I was dissatisfied with their product as it did not meet several requirements. The products were not useable. I complained directly to the company who said they would refund me, but never did. I filed a complaint directly with Discover Card as that is what I used to make the payment for the writing services. Originally, it appeared as though Discover found in my favor against the company and I was not longer charged for the services. I started receiving harassing emails, text messages, and calls from XXXX demanding that I have Discover reverse the charges and they will refund me directly. If I did not, they threatened to contact my college and accuse me of plagiarism which was never committed. This occurred in XXXX of XXXX. I contacted Discover and explained to them the situation from the merchant and, I was scared, asked them if I was able to relaunch the complaint should they know reimburse me. I was told yes so Discover cancelled the dispute. A month went by and I received no refund from XXXX and the balance left on my credit card was exclusively and entirely from XXXX in the amount of roughly {$240.00}. I explained this to Discover. We were in constant communication regarding this balance. I could not pay for it and did not feel that I should have based off of the agreement. After getting nowhere with XXXX, I asked Discover to relaunch the dispute and the alleged that they would, but then they could not. On my credit report, it shows no payment from XX/XX/XXXX-XX/XX/XXXX. Discover closed my credit card that I had in excellent standing for many years, since XXXX. They closed it abruptly without consulting with me directly. They also had done this despite the fact that I had a case with the Attorney General against XXXX. As a result, my XXXXedit score dropped over 140 points. I want my credit card back opened as I ended up making an agreed payment in XXXX of XXXX after acknowledging that I was not sure how long the AGs investigation was going to go on. During the call with the representative from Discover to make the payment, it was not disclosed to me that my card was closed. Also, the amount was paid and my credit report should reflect that, but it reflects that I missed 27 % of my payments.
07/12/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • WI
  • 53213
Web
Something is very wrong with your mobile app and your website in the way that it displays scheduled automatic payments. My payment is due on the XXXX of every month. I am enrolled in automatic payments. I had recently changed the amount of my automatic payment as my balance decreased ( it was previously {$300.00} per month but since my statement balance is now less than {$300.00} per month, I revised it to pay my statement balance ). Because I did this, I went in last night to ensure that the payment processed. Around XXXXXXXX p.m. central time, I logged in to the app. To my surprise, the next pending automatic payment reflected was going to be paid XX/XX/2022. I then checked the posted payment section and that revealed no payment was posted for XX/XX/2022. This was concerning as there did not seem to be a payment scheduled for XX/XX/2022. I then went to the website to confirm that this wasn't just an app issue. The website, too, reflected that there was no posted payment and no pending payment for XXXX. I have a perfect payment history and did not want to incur a late fee or any other penalty, so I scheduled a manual payment to be paid XX/XX/XXXX in the amount of {$300.00}. To my surprise, when I logged in this morning, an automatic payment posted on XX/XX/XXXX in the amount of {$230.00} and my manual payment of {$300.00} that I scheduled is in the " Scheduled '' section and not the " Posted '' section. This makes no sense as the automated payment of {$300.00} was not reflected anywhere in my account on XX/XX/XXXX, neither as a pending nor a posted payment. It appears that this payment goes in to some kind of " limbo '' bucket where it is neither a posted payment nor a pending payment. This is a UDAAP violation. This is unfair and deceptive, as it caused me to make an additional payment to you that I would not have otherwise made. I could not have reasonably avoided any of this as your systems did not reflect any pending or posted payment as of XX/XX/XXXX. Screenshots 1-3 were taken at approximately XXXX p.m. on XX/XX/XXXX, and Screenshots 4-5 were taken the morning of XX/XX/XXXX. Please refund my payment in the amount of {$300.00} and fix your systems so you can see that there is an automatic payment pending the day that it is scheduled to be paid!
07/03/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • KY
  • 40509
Web
On XX/XX/XXXX at XXXX pm, the Discover Bank sent me an email stating that they were writing to let me know that they noticed unusual activity on my checking account ; and they had suspended access to my checking and savings account after I submitted a transfer of my own funds. They tried to block my own funds from transferring. On XX/XX/XXXX, and XX/XX/XXXX, I received an email from XXXX, and CFPB, about the responce letter from the XXXX XXXX XXXX XXXX XXXX stating that on XX/XX/2022 that they had completed an additional review of my accounts ; and at that time the freeze was lifted, and the decision to close my account was overturned. On XX/XX/XXXX, I spoken to the security team about the situation of why my account was frozen. An after further review, she stated that what caused my account to freeze was I canceled my transfer. I asked her how can my account cause suspicious activity when I don't have access to a debit card? And after having a complete review, the freeze was lifted. During the evening time, I got tired of the situation ; it was stressful for my work and time, that I decided to call the customer representative to request to close my account. As the customer service representative seen that my checking and savings account was in good standing, for some reason, he stated that he could not close my account, and then transferred me to the security team. That kind of sounded suspicious because normally a customer service representative has authority to close accounts if you ask. To clear the rest of my own funds from my checking and savings, I transferred from my savings to my checking and scheduled a transfer. A few minutes later when I logged back into my account, it was frozen. There was a message inside my account that stated " please contact the customer service immediately regarding your bank Discover account. We routinely monitor account information and transactions, and have identified unusual activity on your account, for accounts with unusual activity are not displayed. Please contact customer service. '' The call volume was so high between 2 to 3 hours of waiting time. Everyone on social media, and all over the internet were complaining about the same problem. I like to request my funds, and wish to close my account in good standing.
05/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 93611
Web
I had a Discover card and fell behind on the monthly payments this year due to income decrease. The late payments and past due amounts were posted on my credit report and my credit score was affected. They then posted that the account had been closed. I began receiving nonstop calls to pay. In XXXX on the XXXX XXXX, I received a phone call from them and they offered me a payment plan that would be low interest and {$83.00} for 3 months and it would wipe out most of my balance. They told me to make the first payment of {$83.00} on the XXXX and that I didnt owe another payment until XX/XX/XXXX and thats when the direct deposit payments would be withdrawn from my account. I explained I wasnt sure I would be using that account to make payments every month and they said I can always call in and make the payment. I agreed and gave them access to my XXXX account and made the first payment as scheduled on XX/XX/XXXX. I had explained to them I was trying to repair my credit and I had already paid 1 card off. My payment plan or my payment never has showed up on my credit report. Instead, the day I made the payment, they flagged my account as 150 days late. I called them and they told me to be patient and it will show up. So a month goes by and its still showing the same thing. Then XX/XX/XXXX I get an email from my XXXX account stating my account is overdrawn and when I looked it up, Discover took {$83.00} that I didnt have in my account after the agreement stated that payments wouldnt start until XX/XX/XXXX. I called Discover and spoke to an agent by the name of XXXX, her immediate statement was that my account was in the process to be charged off and that I should contact an Attorney unless I make the past due payment or make payment arrangements. I asked her what is she talking about? I already did all of that and made my first payment in XXXX and that regular payments were not due yet and why did they withdraw money I surely didnt have and ruin my checking account!? I told her they have defaulted on their end of the deal by not updating my credit report, the only part they updated was {$83.00} payments. The rest is flagged 150 days past due and no payments made since XXXX of XXXX. Then they are stating my account is still getting charged off despite my efforts.
06/04/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • 78728
Web
In XXXX of XXXX, I contacted Discover Bank to inform them I would be unable to make a payment because I was forced to leave my home during the Texas Snowstorm. Also at this time, I gave Discover my new banking information, as I was using XXXX XXXX, and they had seperated from XXXX and gone to their own operating system. I informed the collections agent that I would be paying during the month of XXXX when I was able to do so, as I had missed a week of work and was not going to be payed by my job during the week of the storm. In XX/XX/XXXX a payment was made using the XXXX XXXX account in the amount of XXXX dollars, which was processed correctly. In XX/XX/XXXX, I contacted Discover to ask an unrelated question. I was encouraged to sign up for XXXX XXXX and was told not to worry and all my payments would be processed automatlically. I expressed my concern to the agent that any post dated check payments would not be processed, as XXXX does not issue checks and does not except check debits from outside sources. I accepted the agents offer based on her assurances everything would be processed correctly, and made a payment in the amount of XXXX using a post dated check system, rather than an ACH. My payment of XXXX payment was returned a week later, and I called to make a replacement payment using the same banking information. The agent assured me this payment would be processed using the ACH method, and was processed correctly on XX/XX/XXXX. On XX/XX/XXXX, I contacted Discover to make a XXXX dollar payment to my account, and explained the necessity to process the payment as an ACH and not a post dated check. She stated she was processing my check as an ACH. On XX/XX/XXXX, my payment returned. I was told this payment was processed as a post dated check, even though I had asked Discover not to. On XX/XX/XXXX, I attempted to process another XXXX payment. I was told this was returned on XX/XX/XXXX. It is unclear why this payment was returned, and was advised by Discover that I should contact my bank. My bank is unaware of any payments made and stated that they could track a payment using a trace ID number. Discover is unwilling to give me the Trace ID number and has stated that any payments returned will be reported to my credit, and is unwilling to work with me.
10/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • GA
  • 30082
Web
I was given permission to discuss the credit card account for my daugher, XXXX XXXX XXXX I opened up a Discover card for my daughter, XXXX XXXX and am the one responsible for payments. Approximately on XX/XX/2022, I called Discover customer service and requested that this account be closed because 1 ) Although I had submitted a payment of approximately XXXX dollars on XX/XX/XXXX, it had still not posted as of the time I called, which resulted in declined transactions, and 2 ) I would be required to call in after I made a payment, and I thought this was excessive, so I requested the card to be closed. When I talked to discover, I was informed that I would get a refund of {$220.00} because I had submitted payments which total exceed the credit limit, and thus I had a credit on the account. However, when I called Discover again, I was told that the refund had not been submitted. At this time, I had informed Discover that a series of refunds had been credited to the account, these refunds are 1 ) XXXX, 2 ) XXXX and 3 ) a pending refund of XXXX. At this time, I had fulfilled my payment obligation of the {$500.00} credit and the {$500.00} credit that was extended to my daughter was fufilled through my personal payments that was made to this card, thus any refunds that were made to the card would result in credits, thus these credits should also be refunded to me. However, the representative I talked to disagreed and told me that I would not be entitled to these refunds. This is actually stealing money from me because I had already fulfilled the obligation of the {$500.00} credit that was extended to my daughter, thus any credits should be refunded to my daughter. At the time these refunds were credited to the Discover card, the {$500.00} credit had already been fulfilled and these refunds resulted in credits to the card. Thus, my daughter is entitled to the XXXX credit which was originally a credit to the card, in addition to the refunds to the card, which amounts to {$160.00} thus my daughter is entitled to a refund of {$390.00}. I have attached an account summary showing the available credit of {$500.00}, in addition to the refunds that was applied to this card account. The refund of {$96.00} is pending, approved, and on its way to the discover card account.
02/12/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • IL
  • 604XX
Web
I made a payment to Discover for {$32.00} ( payment due date ) on XX/XX/ 2019. On XX/XX/2019 at XXXX XXXX I get a email from Discover stating that my account has been closed because of another collection account. So i call Discover that morning and spoke to a agent regarding the matter, and I was placed on hold while she spoke with her supervisor. Once back on the phone she informed me that I would have to give them 24 hours to look into the matter and to call back XXXX XXXX 2019 before XXXX XXXX. I called back on XX/XX/, 2019 and spoke to someone and was transferred from department to department ( given the run around ). I was once again told several times that my account was closed because of a previous account that has been charged off. I was then transferred to a supervisor which in turn transferred me to someone in another department named XXXX. Once XXXX got on the phone he ended up transferring me to some company called XXXX XXXX XXXX ( which does business with Discover ) and spoke to a lady there which placed me hold after getting my name and social. Once someone got back on the phone it was a male agent now, which asked me for the same information that the previous lady asked for ( name and social security number ) and he informed me that I am not showing up in his system and he cant help me ( company that handles Discover collection accounts ). so I called back to customer service and was connected to XXXX in XXXX Arizona which switched the story and told me that my account was closed because of Discover system ( a late payment ). I told her that she was giving me an excuse and her own opinion of why my account was closed and that I have spoken to several agents that made it clear why my account was closed. I was transferred to someone else and they gave me a phone number to another department and transferred me to that department. Once connected it was the right department after all ( after 8 different agents and 3 phone calls later ), and was told that my account was closed because of an account that had been charged off. But once investigated I was informed that the account in question whoever the person is has my first and last name, and date of birth but a different social security number and that I was right that the account is not mines.
12/26/2015 Yes
  • Credit card
  • Payoff process
  • WA
  • 98512
Web
I have been systematically overcharged interest by Discover Card for the past two years and I would like the overcharged amounts refunded. I had a series of 0 % balance transfers that processed last year, and I have been consistently making payments of {$100.00} each month. However my payments, instead of being applied to earlier purchases, were being applied to the later balance transfers, so my purchase balances were n't being reduced even though I was making payments well over the minimum. Then, as each promotional period expired, my monthly payments were suddenly being applied to the later balance transfers ( with unexpired 0 % promotional periods ), rather than the earlier ones, which were now accruing interest. It has always been my understanding that with credit cards in general, and under the account I hold with Discover card, payments are to be applied to earlier transactions before later ones, to higher-APR balances before lower ones, and to purchases before balance transfers. According to their own interactive guide on the Cardmember Agreement : " Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. '' Yet it appears that my payments have been consistently applied to 0 % balances instead of higher-rate balances, to later transactions ( with 0 % interest ) rather than earlier ones, and to balance transfers before interest-earning purchase balances. This appears to be contrary to the cardmember agreement, as well as fraudulent or at best dishonest. One way that they did this as you can see from the statements is that whenever a promotional period expired, the remaining promotional balance was added to the account as a new transaction, even though it was n't a new transaction. But even apart from that, my payments - which were always over and above the minimum and never late or in default - were consistently and entirely applied towards reducing only 0 % promotional balances, and not to EARLIER purchase transactions, and EARLIER balance transfers ( which were accruing interest. I have been charged a total of {$220.00} interest in XX/XX/XXXX and XX/XX/XXXX. I believe most of this was wrongly charged.
05/10/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 33435
Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Toll Free No : XXXX Fax : ( XXXX ) XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX XXXX XXXX XXXX XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
01/11/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • VA
  • 22315
Web
I am a man/natural person and this is not a credit repair company. On XX/XX/XXXX, I was discriminated against as I exercised my right as the consumer/benificiary in a consumer credit transaction when I applied for a credit card with DISCOVER which is a violation of the Equal Credit Opportunity Act. My personal information was used on the application as well as my location information to submit application. From my understanding, banks do not lend money or extend credit as we have been bankrupt since XXXX. 12 usc 83 - No national bank shall make any loan or discount on the security of the shares of its own capital stock. DISCOVER became trustee to my social security trust as this is a trust action. They deprived me of my rights to extend credit which is a violation of 18 usc 242. They have committed trust fraud, bank fraud, and securities fraud. Each holding a fine from {>= $1,000,000} to {>= $1,000,000} Pursuant to 15 USC 1, 15 USC 2, 15 USC 78ff. I received no benefit which is unauthorized use of my credit card 15 USC 1602 ( p ). In order to clarify that there has not been any false claims of securities, illegal securitizations, trades, hypothecating, interest, and proceeds fraud entry misapplied in my name, as benificiary of the account Pursuant to 15 USC 44 Im asserting my rights to acquire documentary evidence for the books of account as defined in IRS 583. Id like to access record keeping of both journal and ledger credits of the account, as well as ledger and debits of the account, in order to verify the current accounting and taxes related to this account. This will allow me to reaffirm my status as the benificiary and you in fact have been loaned the amount in question. This will also confirm aggravated identity theft as you are conspiring to profit without my knowledge or benefit when you are trustee to my trust. Failure to produce said documents will be deprivation of rights as described before and {$10000.00} and/or 5yrs in prison for any. You have committed theft by deception and embezzlement both federal crimes. 18 usc 656- theft by embezzlement by bank officer or employee shall be fined {>= $1,000,000} or imprisoned not more than 30yrs. I would like this published for the public to see how corporations defraud consumers by the millions.
11/09/2015 Yes
  • Credit card
  • Advertising and marketing
  • WI
  • 544XX
Web
On XXXX XXXX Discover announced that they would offer 10 % cashback ( doubles 1 year later to 20 % for new members enrolled in double promo which was me ) for all XXXX Pay purchases using a Discover card. Press release available XXXX I contacted them XXXX to ask about any transaction restrictions and advised there were none. Due to the incredible value of the promo, {$1000.00} cashback on {$10000.00} purchases doubled to {$2000.00}, I decided to buy XXXX Watch for nearly {$350.00} as it would be profitable. On XXXX, Discover changed the terms to exclude gift cards. They had 9 days of internet speculation and the promo was already live and then they decided to exclude gift cards. They did not, however, update their terms and conditions until later that evening. I have the original terms along with my XXXX conversation which I will upload. Further, on XXXX XXXX, they sent messages to many card members stating purchases we made contained a gift card and would not be eligible unless we provide a receipt to prove otherwise. There are many reports online of people who received these emails for purchases that did NOT contain a gift card. This means Discover is guessing based on transaction amounts and retailers and now, days short of two months after announcing the promo, expecting cardholders to have saved receipts we were not told to save. They are placing the burden on us. Guilty until proven innocent. In addition, Discover has no definition of what is a 'gift card '. I purchased some XXXX Cash Reloads which are not classified as gift cards and are used to load a XXXX account. So Discover has changed terms twice, once to exclude gift cards and now two months later to require receipts we were not told to retain. We only have 21 days to provide receipts. I authorized Discover to obtain receipts XXXX which they said may take 30 days. How can Discover run a promo that they do n't have the infastructure to support? If they ca n't prove a gift card purchase, they ca n't exclude it. If they want receipts, we need to be told to keep them. It 's just ridiculous and now I 'm out an Apple Watch and many transactions I did assuming I would get 10 % cashback doubled to 20 % because Discover has gone back on their word and been so incredibly unprofessional.
11/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TN
  • 37086
Web Servicemember
I have opened a case with the CFPB with Discover as relates to my account and my wifes and both my wife and I have received corespondents from there executive resolution department. Which is listed below, I have emailed, called and received no response on the pre existing CFPB case opened or email and voice corespondents. I have disputed with all three agencies with XXXX simply applying a comment costumer disagreed and XXXX moving my single reported late payment from XX/XX/2021 to XX/XX/2021. Which is totally inaccurate. Below is the.email both my wife and received from Discover on our accounts. I have also attached the payment snapshot showing that there was no late payment in XXXX or XX/XX/2021. This is has been a very hard year for me and my wife due to Covid and we truly love being part of the Discover family but all that is being asked from even the first CFPB cases opened for both me and wifes accounts was that the single late payment being reported be removed from all three agencies. We are both very much aware of are financial responsibility and take it very seriously, which is why we are working very hard to pay our debt off completely starting with my wifes account next week. You can see the schedule payment in your system. From : XXXX Date : XX/XX/2021 at XXXX XXXX CDT To : Executive Office of Discover Financial Services XXXX Subject : Re : Your Inquiry to Discover XXXX, Thank you for your response please let me know if there is anything you need from me regarding this issue. XXXX On XX/XX/2021, at XXXX XXXX, Executive Office of Discover Financial Services XXXX wrote : Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure the concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within Discover. I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. If you have any questions or would like to provide additional information, please feel free to contact me at ( XXXX ) XXXX. I am typically available weekdays from XXXXXXXX XXXX to XXXX XXXX ET. Sincerely, XXXX Executive Office of Customer Advocacy
11/17/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MI
  • 48180
Web
After, receiving an invitation from DISCOVER to apply for secured credit card account. On XX/XX/XXXX I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a personal secured credit account on DISCOVER. I filled out the form online, and provided every document required. I was immediately approved for a new secured credit card. Throughout the year I enjoyed using my discover credit card, but due to being a victim of identity theft and a part of XXXX, XXXX XXXX, and XXXX XXXX breach. My discover credit card, and also information was stolen and used for multiple fraudulent charges. DISCOVER was aware of the fraudulent charges and decided to issue me Provisionals credit for each transaction that was unauthorized. Moving forward I decided I could not bear the pain of DISCOVER mishandling my personal information, and by letting unauthorized charges continue to occur on my account. I was also told a fraudulent charge was authorized by me, due to a wet signature, as if any random person cant sign my XXXX XXXX. I was uncomfortable with continue business with discover. I beg and plead with DISCOVER to close the account, due to the fact my personal information was constantly getting hacked and used. A representative from DISCOVER pressured me into not closing the account she threatens me with saying I will not get approved for any future accounts by DISCOVER. As I took the representative advice once again my account was hacked, and DISCOVER failed to protect me as a consumer. Discover finally agreed to close the secured credit card with a {$0.00} dollar balance. Discover also agreed to issue out the original deposit of {$400.00} dollars used when account was opened. On XX/XX/XXXX I received an email stating I the consumer was a liar, and responsible for all charges, and ALL charges will be reversed. Discover is running my credit reputation by reporting a balance of {$580.00} dollars in which, is not owed. Discover did not follow their agreement in protecting me as a consumer, while willing knowing Im not responsible for any fraudulent charges. NO consumer is responsible for fraudulent charges that is unauthorized by the consumer.
07/27/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • FL
  • 32211
Web
On XX/XX/XXXX, I used the Discover online system to check the balance of my Discover balance transfer, which is due XX/XX/XXXX. I was unable to find the total on the website or on my statement. Because the information was not available online, I used the online email system to request my balance transfer remaining balance. The reason that I was checking is because since XX/XX/XXXX, my payments towards this balance transfer have been anywhere from {$1500.00} to {$5000.00} monthly. This was done to ensure that my total balance transfer was paid in full by the due date. I was expecting to be close to paying this off, if not having paid it off in full already. On XX/XX/XXXX, Discover responded and informed me that only the minimal balance of my balance transfer was paid out of each {$1500.00} to {$5000.00} monthly payment. Many months, the minimal balance is only {$120.00}. If only the minimal balance is being applied to the transfer balance, this is a company practice that guarantees that I would not fulfill my obligation of paying off the balance transfer by XX/XX/XXXX. On XX/XX/XXXX, I responded asking what I needed to do to be able to dictate that enough of my monthly payment was applied to my balance transfer to ensure that the balance was paid off in full by XX/XX/XXXX. Discover responded with the same canned text without answering my question. Of note, my balance transfer of {$10000.00} ( acquired XX/XX/XXXX ) has a remaining balance of {$5800.00}, despite my making {$20000.00} in payments since XX/XX/XXXX. I am filing this complaint for two reasons. I believe that Discover 's practice of applying my payments to only the minimal balance of the balance transfer is deceptive and intended to trick the consumer into missing the deadline for full payment, which allows them to charge all of the interest that was previously withheld. My second reason is because Discover needs to be held responsible for correcting this process so that a less saavy consumer would not be taken advantage of. Of note, nowhere on the website or my statement does it display my balance transfer total as opposed to my total balance, which was why I contacted them in the first place. This is also intended to hide their deceptive practices and needs to be remedied.
11/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TN
  • 38104
Web
Earlier this year I had found out that my Identity had been stolen, I Immediately began auditing all of my bank accounts and credit cards to determine if any had been affected. My Discover Bank Checking account was infact affected, so I reached out to them and notified them of the exact transactions on my account that were fraudulent ( meaning they were not authorized by me, and I had no knowledge of them whatsoever ). At first Discover was very helpful, they disputed most of the transactions I provided them, I uploaded the police report and other documents as evidence, then they issued me a provisional credit for each of the transactions, and then a few weeks later ruled the disputes in my favor and closed the cases. Unfortunately once I received all of the letters in the mail from Discover outlining exactly which transactions they had disputed I noticed that they had missed some of the transactions I had initially reported. So I figured the right thing to do was to call them and notify them of the missing transactions so they could fix the issue. I was told that we would need to open a new dispute for each transaction missed. Well they immediately denied the disputes, and have continued to deny the disputes no matter what documentation I provide, or that I point out that these transactions were reported the first time and those disputes were ruled in my favor, these are the same transactions as the ones ruled in my favor so why are they being denied? If the representative would have submitted all of the transactions I provided then I wouldn't 've have had to call back and file more disputes. The transactions are with the same merchant, many on the same date as the ones ruled in my favor. So why is it that these transactions are being denied when the same exact type of transactions were approved only a few weeks prior? I have explained myself to management, and anyone who will listen about this issue and no matter what I do or say it never gets resolved or fixed. I am not sure if the department that investigates the disputes is aware that I am only asking for the fraudulent transactions that were missed by mistake to be corrected or not. I have been trying to get Discover to fix this mistake for months and months but to no avail. Please help.
05/19/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Unexpected increase in interest rate
  • AZ
  • XXXXX
Web
Discover Credit Card Copy of the letter and today 's conversation. Attn : Billing Inquiries XXXX XXXX XXXX XXXX, Az XXXX Notice of disputed charge to Account No. XXXX Dear Billing Inquiries Division : I am writing to dispute a charge of [ {$100.00} ] to my [ credit card ] account. The charge is in error because I called on XX/XX/XXXX and asked for the payoff/total amount owed to make a one-time final payment, I needed to provide the balance information to my bank to obtain a personal loan to pay off my XXXX and Discover cards. The interest for my Discover card is higher and I wanted to pay it off in full. When I called on Saturday XX/XX/XXXX XXXX told me the balance and advised that she will lock the total amount owed until XX/XX/XXXX, the amount owed was {$5900.00}. {$5900.00} {$25.00} Rewards -- -- -- -- -- -- -- -- -- -- {$5800.00} Total Balance Owed. I was able to do my loan on Saturday and received the check on XXXX, I called on XX/XX/XXXX to make the payment over the phone and XXXX hang up my call at XXXX p.m. I had to go online to pay the total amount owed on XX/XX/XXXX. I called Discover card today to confirm my payment and Discover Card has changed my amount owed, Discover has no respect and was not honest at the time I talked to the Customer Service Representative, this lady gave me the Total amount owed on Saturday XX/XX/XXXX. XXXX gave me my balance owed of {$5900.00} and advised me that my total balance will be locked until XX/XX/XXXX. Then XXXX hangs up the call. On XX/XX/XXXX I went online to pay the entire balance and find out that the Discover Customer Service person lied about my balance, your company should be responsible for lying and not being honest. I am aware of your bad Customer Service, have no manners or knowledge of any professionalism, your company lies to customers, and for XXXX XXXX dollars you prefer to lose a customer that has been a customer for more than 22 years. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. I have taped the conversation, and I will take it to court if necessary, or to the Better Business Bureau or the Treasury Department 's Office. Sincerely, XXXX XXXX
05/18/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32817
Web
I recently sent a packet of Notices to you DISCOVER BANK to correct some errors in Billing as you are currently attempting to collect alleged debts from me, the natural person, private individual, consumer and Original Creditor involved in these consumer credit transactions/sales. As the original creditor I do NOT owe you any alleged debts and there is no documentary evidence of such allegations. After review of these statements I have discovered there is a serious error in Billing reflected on statements that have been sent to me so you have received a verified Billing Error form from myself in order to correct the errors that I have found with the referenced account. Your accounting records if maintained accurately and in accordance with Generally Accepted Accounting Principles as [ GAAP ] as required by 12 USC 1831n and highlighted by Federal Reserve XXXX XXXX XXXX XXXX, will show a total bank liability to me In the amount of {$22000.00}. You have been notified in this Billing Error Notice of this error and are required by Federal Law Pursuant to 15 USC 1666 to issue me credits as directed. You have also received a Notice Of Opt out which requires you to remove all reporting of my private, personal and confidential information to any credit bureau, credit agency or credit repository, again DISCOVER BANK you must immediately cease reporting of any information to the credit reporting agencies pursuant to the aforementioned section of Federal Law. Refusal to comply with these demands and Federal Regulations will result in further legal action. If your claims to this alleged debt hold any merit you will have no issues complying with the XXXX XXXX XXXXXXXX XXXX Notice and providing the demanded documents and appropriate attestations under notary seal as demanded in this document and pursuant to XXXX XXXX XXXX XXXX and FDCPA 15 USC 1692. Ignorance of the law is no excuse for your negligence and your Silence is Acquiescence! Should you default on these notices that Have been Notarized and are now legally applicable as evidence of your willful negligence I will not hesitate to pursue these matters to the full extent of the law. This is my attempt in good faith to rectify these matters and errors prior to taking any further required legal action.
08/13/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CA
  • 93280
Web
I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying Discover of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however Discover is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud. Discover has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.
12/14/2022 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • GA
  • 31904
Web Servicemember
I applied online for a home equity loan through Discover Home Loans and was approved for {$50000.00}. I submitted everything required at the time such as XXXXXXXX XXXX XXXX everything pertaining to my home such as insurance, etc and received an email asking me to call them which I did. I went through everything with a personal banker and was told everything looked great including my XXXX ratio and I intended to pay off all my debr and I wouldn't mind it being down at the closing. Finally I was told I needed to have about {$1500.00} in reserves in order to close since my credit score was XXXX and although they accept scores as low as XXXX this was policy. A gift was allowable and less than a week submitted my final docs through their online portal. I called them after sending to see how long the process would take and was told it would be reviewed by an underwriter within a week. I also uploaded an explanation letter explaining why my one credit card had such a high balance and more information about me and my spouse who is also XXXX and of the XXXX XXXX. It was then that I noticed a much different tone to XXXX XXXX of when I got the denial was a day later and only because I logged into my account. The most recent " personal banker '' literally argued with me over the denial stating it was because my XXXX ratio was too high. I asked if they " grossed up '' XXXX income and she told me they did but my XXXX ratio was over 50 %. That is INCORRECT and. with just my income and my housing expenses etc my DTI is 39 %. Discover states on their site that it must be less than 43 %. Using household income it is 26 %. No one informed me of any issues and every document was checked offf on. I truly believe that Discover Home Loans discrimuated against me and my spouse after I admitted we were same XXXXXXXX XXXX XXXX XXXX. Modifying our home was what I planned on doing and believed that the remaining steps were formality. No one will talk to me or offer options and will not reconsider the fact that their calculations are incorrect. XXXX XXXX XXXX XXXX XXXX for many years before becoming XXXX. I was misled and wasted several weeks and an iquiry on my credit report only to be dropped for no other explanation then Discover didn't want us as borrowers
11/25/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CO
  • 80439
Web
It hard to believe a company that is this removed and incompetent. I expect a complete correction and apology. Way back in XXXX XXXX I purchased an annual, pay in advance XXXX XXXXXXXX XXXX XXXX XXXX The credit card I usually use with another bank wouldn't accept the charge ( actually, I didn't see an email from them warning me ) so I used my Discover Card which I have had for over 20 years. Activation didn't work and I spent hours and dozens of calls tXXXX XXXX out of the XXXX, trying to resolve it to no avail. I filed a dispute with Discover and sent them proof. An hour later ( approx. XXXX ) they removed the dispute with no explanation. I sent them a long letter with no reply. In an extraordinary effort to expose the fraud and remove the burden, I filed a complaint with the XXXX XXXX XXXX. I was contacted by XXXX XXXX ( email and phone number attached ) at XXXX headquarters to resolve the issue. He indicated the product ( the cellphone plan ) was a " network error '' ( i.e., it does not work ) and XXXX would refund the purchase to Discover. Without notifying me of anything, Discover Card did place the charge in dispute status after my mailed-in letter ( all my online contact was ignored ). Then, for some reason, again without reason or notification, the dispute was removed and I started to receive statements and charges ; repeat : I do not use the card. I called, waited forever for an agent, then she put me on hold... The automated system said XXXX balance no payment due so I hung up. Discover has continued to charge me, including late fees. Per the user agreement, Discover has a firm dispute/customer protection policy ; they refuse to do it. Further, they have ignored all my contacts ; they have failed to research the charge ; they have ignored all the evidence ; they continue to threaten me and send libelous emails ; and they are trying to extort a ) charges for a product that does not exist and b ) late fees. It is atrocious customer service. If I had any faith in my local and only police department I would have filed charges long ago. I may do so online with the FBI for wire fraud. I am posting this here for all to see -- stay away from Discover Card. They used to have fine customer service ; they do not anymore.
03/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 080XX
Web
This complaint is in connection with the CFPB complaints filed against XXXX, XXXX, and XXXX on XX/XX/2020 Complaint numbers XXXX, XXXX, and XXXX for failure to provide proper documentation of a Wet Ink Signature contract with DISCOVER to validate the account reporting is accurate and confirmation there is a legal obligation to this company DISCOVER. I complaint was also filed against DISCOVER by the XXXX XXXX XXXX Complaint # XXXX for lack of professionalism, lack of full disclosure, and failure to provide Wet Ink Signature signed contracts to the Credit Bureaus or myself per section 609 of the Fair Credit Reporting Act. This particular complaint is because DISCOVER has not only violated section 609 of the Fair Credit Reporting Act but is now violating section 623 of the Fair Credit Reporting Act and Section 807 for Failure to Communicate that the alleged debt is disputed. As of Today XX/XX/2020, DISCOVER continues to report erroneous subterfuge on my person 's commercial credit report while under dispute. This is not only violations of FCRA, FDCPA, but Title 18 USC Fraud as well. The blatant disregard for Federal Law that DISCOVER is willingly choosing to ignore to violate my rights is causing me harm through my person which I may have to pursue legal action against them for Lack of Full Disclosure, Perjury, and Fraud with Scienter. I am keeping these records of communications in case I have to sue DISCOVER for willful non-compliance of Federal Law and violations of rights which will not only include {$1000.00} USD per inaccurate invalidated account but also {$10000.00} USD for every violation of Title 18. Please see attached screenshots for proof that DISCOVER is still reporting negatively without providing any contracts of proper documentation while under dispute. As stated by Attorney XXXX XXXX XXXX, of the FEDERAL TRADE COMMISSION, a printout of a bill or itemized document does not constitution verification. Also, without proper Wet Ink Signature contracts per section 609 FCRA, it is impossible to determine if the partial account numbers reported to the Credit Bureau 's are in fact accurate or not. Please see attached evidence per XXXX XXXX notifications that this company is still reporting while under investigation.
11/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33167
Web
Discover Inquiry from XX/XX/2017During a standard review of my credit files from the three major credit reporting agencies I was dismayed to find an inquiry posted by YOUR COMPANY on XX/XX/2017 As you are probably aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. They maintain that if the inquiry is on file then the company listed did in fact view the consumers record. Since it is unlawful under the Fair Credit Reporting Act for a person to view a consumer report without a permissible purpose I am writing this letter. I don't recall applying for credit or employment with DISCOVER From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. From the 1998 FTC opinion letter XXXX at http : //www.ftc.gov/XXXX : Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. Also from the Fair Credit Reporting Act : 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$1000.00} to the name at the address listed at the bottom of this letter. I look forward to hearing from you to resolve this in an expeditious and amicable manner.
08/26/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30338
Web
On XX/XX/XXXX, I entered into contract with a cabinet/granite company for the Total amount of {$7700.00}. and paid on this day {$4000.00} leaving a balance of {$3700.00}. On XX/XX/XXXX, company/merchant did not compete the work as contracted and charged my Discover card for multiple amounts of {$3700.00}. As of XX/XX/XXXX Discover had transaction from XXXX XXXX for over {$45000.00} dollars and Discover claimed on XX/XX/XXXX that I owe XXXX XXXX and accepted the fraudulent charges adding to a total of {$25000.00}. On XX/XX/XXXX, after months of disputes and insults from Discover staff, I wrote to CEO XXXX XXXX and provided all evidence including the contract with XXXX XXXX. Since then, Discover insisted that I owe XXXX XXXX {$11000.00}. Since XX/XX/XXXX, I have been making monthly payments towards fraudulent charges to my Discover card. Discover card have failed to protect me from XXXX XXXX wrongdoing and criminal actions against my Discover card and have deliberately chosen to be on the side of the criminal activity of this merchant. I endured a XXXX XXXX on XX/XX/XXXX and just few months ago I am feeling better, my health has been the reason why it has taken time this long to proceed against Discover who till now still are making pay. As of XX/XX/XXXX, Discover communicated via Ichat that the amounts charged to my Discover card on XX/XX/XXXX add to {$11000.00} ( XXXX XXXX and XXXX XXXX and XXXX XXXX dollars ). I am even unsure if this is the correct amount as it's all unclear but prior to this date of On XX/XX/XXXX, I had no monies I owe to Discover as I have usually paid my balance in full. I am a Discover customer since XX/XX/XXXX. On XX/XX/XXXX there was another charged for {$3700.00}. and this is when I had to frozen the account in order to stop more charges from XXXX XXXX. The Merchant ( XXXX XXXX ) has claimed that it's not them and it's Discover card 's fault that keeps paying them. I have filed a police report against XXXX XXXX on XX/XX/XXXX. Thank you for any help. I am desperately seeking a solution as I have been very sick for the past two years and very upset by all this unfair and abusive practice. I have been unable to work but I have continued payments monthly for amounts I Do Not owe. Thank you.
02/01/2017 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • FL
  • 33470
Web
XXXX DISCOVER FIN SVCS XXXX ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX PHONE : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX DISCOVER FIN SVCS XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission DISCOVER FIN SVCS XXXX acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
12/12/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • TX
  • 766XX
Web Older American, Servicemember
0N OR ABOUT XX/XX/XXXX2015 I RECEIVED A DISCOVER CARD IN THE MAIL .I DID NOT KNOW IF IT WAS REAL OR NOT I NEVER REMOVED IT FROM THE LETTER. I CALLED DISCOVER CARD COMPANY THE XXXX OF XXXX 2015 TO REPORT THAT I RECEIVED IT AND IF IT WAS REAL THAT I COULD NOT FIND IT SO I REPORTED IT LOST OR STOLEN. THE MAN SAID IT WAS REAL AND SOMEONE ACTIVATED IT THE DAY BEFORE AND HAD ALMOST MAXED IT OUT. AFTER HE TOLD ME WHERE IT WAS USED I CONFRONTED MY EX DAUGHTER IN LAW, WHO HAD BEEN AT MY HOUSE WITH THE GRAND CHILDREN THE DAY BEFORE. SHE CONFESSED I CALLED DISCOVER BANK AND GAVE THEM THE INFORMATION AND HER NUMBER. SHE SENT ME SOME MONEY FOR THE CARD BY MONEY ORDER AND I CALLED AND SENT IT TO THEM. I FILLEDOUT THE FRAUD REPORT FOR DISCOVER AND WENT TO SHERIFF OFICE TO FILL OUT COMPLAINT. AFTER XXXX TRIPS TO SHERIFFS OFFICE OFFICER XXXX SAID THAT HE TALKED WITH DISCOVER AND THEY WOULD HANDLE IT INTERNALLY. ALL THEY DID WAS CONTINUE TO BILL ME I GOT A LETTER STATING IT APPEARED TO BE FRAUD BUT I HAD NOT DISPUTED THE CHARGES SO I DISPUTED THE CHARGES IN WRITING. I DO NOT KNOW WHAT ELSE I CAN DO .I DID NOT ASK OR ACTIVATE THE CARD OR USE THE CARD AT ALL. I HAD THE CARD CANCLED THE FIRST DAY I CALLED XXXX THAT THEY NOT SEN ANOTHER CARD. FOR SOME REASON THEY CHANGED THE ACCOUNT NUMBER BUT DID CANCLE THE CARD BUT THEY ARE HOLDING ME RESPONSIBLE FOR THE BILL I NEVER ASKED FOR OR AGREEDED TO BE RESPONSIBLE. WHAT ELSE DO I NEED TO DO. IT IS NOT MY BILL I DID NOT GIVE ANYONE PERMISSION TO USE THE CARD. I DID NOT EVEN HAVE THE CARD WHEN I REPORTED IT LOST OR STOLEN. PLEASE HELP ME I AM A SEMI RETIRED PERSON AND CAN NOT PAY OTHER PEOPLES BILLS. MY EXDUGHTER IN LAW HAS BEEN IN AND OUT OF PRISON FOR THEIF. I AM TRYING TO RAISE HER XXXX CHILDREN WITHOUT ANY HELP FROM EITHER PARENT. WHY CAN I NOT GET THEM TO USE THEIR FRAUD PROTECTION IN THIS CASE? IS IT BECAUSE I WAS HONEST AND TOLD THEM WHO DID IT AFTER I FOUND OUT AND GOT HER TO PAY BACK SOME OF THE MONEY? WHAT CAN I DO? XXXX OFFICE SAYS I HAVE NOT BEEN OUT ANY MONEY SO THEY WOULD NOT LET ME FILE. I AM STILL GETTING BILLED AND IT IS HURTING MY CREDIT. PLEASE HELP ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX SINCERELY YOURS XXXX XXXX. PS I DO NOT KNOW HOW TO SCAN DOCUMENTS I CAN FAX THEM OR MAIL IF NEEDED.
12/12/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • OH
  • 44107
Web
Months ago, I lost my credit caard and the account was closed. A new card was issued. Discover advised I overpaid the first card XXXX. They advised they would send me {$60.00} refund. It never arrived, so I called them. They said they will send me a new refund check. I was out of town, and upon return, finally I received the one check from Discover to XXXX XXXX XXXX for {$60.00} issued XX/XX/XXXX. routing XXXX check XXXX # XXXX in top right corner it states XXXX under corner states : XX/XX/XXXX I deposited the {$60.00} in my XXXX XXXX account XXXX on XX/XX/XXXX the check was received by XXXX XXXX. On XX/XX/XXXX by US post gave me an envelope from XXXX XXXX stating STOP PAYMENT Return reason : stop payment. Internal seq # XXXX Deposit date XX/XX/XXXX I phoned XX/XX/XXXX and three personnel answered, but the first couple were clueless of what to do. The supervisor XXXX in customer service in XXXX Arizona, team number XXXX advised the stop was because I called to advise I neer received the check. I contest, that yes, the first check was never received, so OK, to stop it, but the agreed to then send me a new check. SO, this is the replacement check, and it should have funds. BUT IT HAD NO FUNDS< because Discover had also put a stop to it. I never received any other {$60.00} refund Now, XXXX charged me {$12.00} return check fee. I asked XXXX to a ) send me the {$60.00} again, or b ) deposit it in my DISCOVER CARD account, so It goes directly to my card, and reduces my card by {$60.00}, but he said he can only send a new check. I asked to please refund the {$12.00}, as this was the check that they promised to send, and when I received it, I trusted it had no stop payment to it XXXX refused to refund the {$13.00}, and when I was irate, he told me he won.t send me the refund OR the additional {$12.00} and proceeded to hung up. I hereby request they refund my {$60.00} or put it back in my credit card, PLUS refund me the {$12.00} they uncured me because they did send me a new check, but this one too was stopped. I never got any other prior or after, so this is the only one I received, and trusted their word that they would send me my refund WITHOUT a stop payment, but they don't care, and they are rude and hang up instead.
08/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OH
  • 43085
Web
XXXX XXXX XXXX was hired for a deck remodel. There were two payments issued to XXXX XXXX XXXX for the amount of {$2300.00} on XXXX and {$4300.00} on XXXX. The contract has been uploaded with the terms of the agree upon work. These two transactions were 50 % deposits to have the work completed by end of XX/XX/2021. The contracted work was not completed by XX/XX/2021 and we allowed an extension with XXXX XXXXXXXX XXXX for them to finish the deck by XXXX. The deck was not finished and our good will extension was abused by the contractor. On XXXX as the deck construction had not started, disputes were opened with Discover card as we had used the card to pay the deposit. Discover card did not reach out until XXXX when they reached out to state that the dispute had been closed and decided in the contractor 's favor. When asked what documentation had been uploaded by the contractor, only a sales receipt has been provided. We had uploaded a timeline, the contracts, pictures of the uncompleted work, and screenshot of the agreement with XXXX XXXX XXXX who agreed to refund XXXX back to the card as they have not completed the work. XXXX XXXX XXXX did not refund the XXXX and we again reached out to Discover with an uploaded copy of the signed agreement on XXXX after giving XXXX XXXX XXXX an additional 4 weeks to refund the deposit. Despite photographic evidence, a screenshot of the signed refund agreement, and contracts outlined the agree to work, Discover has refused to process a refund and requires a signed letter from XXXX XXXX XXXX on their letterhead authorizing them to process the refund. This is an unrealistic and undue burden on the cardholder and represents an effort on Discover 's part to skirt the work and effort required to protect the cardholder to small claims court. Based on our experience, Discover 's dispute center does not protect the cardholder and we are unsure as to what benefit it can provide for a cardholder. We uploaded a picture of our unfished deck and Discover 's response was that a picture is not proof. When asked what they require for proof of unfinished labor, they were unable to provide an example and refused an offer to have an agent drive to our home and view the unfinished work for themselves.
07/24/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • OK
  • XXXXX
Web
I have a Discover credit card and Discover banking account. The Discover banking information was removed from the Discover credit card account as a payment method. The credit card company is still trying to take it from the bank account, even though I ( even though the payment has been made ( from an account that is not with Discover ) ) removed it, and I have a confirmation email saying the payment method was removed ( Wednesday ) Today, which is Friday my account is now XXXX, showing they have tried to take it out once again. I have tried to talk to fraud about this both from Discover bank and Discover credit card. The Discover credit card fraud lady, XXXX, said the last 4 numbers of my credit card is incorrect, which it is not.. Something is egregiously wrong, and they are not willing to solve it. Basically the credit card side is continually trying to take money from my bank account when the payment method ( which was the bank account ) has been removed ( again, I have the confirmation ) and it was not an automatic payment either. Also, 2 weeks ago from today I could not get into my bank account and they tried to blame it on me. I talked to them the week of XX/XX/XXXX XXXX. I received an overdraft notice on Wednesday, XX/XX/XXXX, and removed the bank payment method from my credit card account once again on XX/XX/XXXX. Today, which si XX/XX/XXXX, I received a notice saying payment I tried to make from the account wont go through? I have not tried to make any payments from this account (? ) I especially think something fraudulent is going on now because the fraud lady said the last 4 of the credit card number I gave her was incorrect, it is the same number on my card. Also, because I had to change my bank account number a couple of weeks ago, it would not let me in even though it was the correct number. I believe I also talked to them on XXXX as well. Also, when I opened the account online and I called in to ask questions one of the reps asked for my full social, which I dont give over the phone-especially since I have learned they are working from home. I complained and was given a new card, but that still does not fix things because I dont think they needed that I had the code or number from when I opened it ...
08/07/2015 Yes
  • Credit card
  • Credit line increase/decrease
  • TX
  • 75243
Web
I have been a DISCOVER IT card holder for over a year now -when I applied after repeatedly getting solicitation from them to do so because I had a good credit score - I was issued a card with a limit of XXXX.at the time my score was XXXX. recently I received notification that they did a review of my credit report thru XXXX and made a decision to lower my credit limit to XXXX? right now my balance is approx. XXXX so I would be at my limit and that will effect my credit history, because it will show that I am almost at my limit. how can they just take back a credit limit? I tried to call to discuss and they gave me a number to call that no one answers and also they thanked me for being a valued customer for 8 years? this puzzled me because I have only been a customer for little over a year -my trust has been violated - and they are going to ruin my credit rating - because if it shows that I am utilizing my limit to the max that will lower my score someone needs to investigate this practice - I did not ask for a increase so if they did a review then they should have just left the limit as it was -they offered me the credit card - and they gave me a limit of XXXX and until I ask for a increase there was no reason to change anything between us - I am credit worthy conscious and have a good credit rating - I fear their act will lower my credit rating - I ran my report it says that I am utilizing over XXXX % of my credit cards and that has an effect on my score - with this act on DISCOVERS part to decrease my credit limit that utilization is going to go up more -therefore effecting my credit rating - I can provide a copy of my credit file showing that I in 12years have never ever been delinquent on any of my credit cards or loans - and I feel they did not have any call to review anything about me - they had already issued the card and gave me a limit - and until I ask them for an increase there was no need to pull a credit file and change our agreement and to me the agreement was DISCOVER GAVE ME A CARD WITH A LIMIT OF XXXX and that is what I expected and agreed to - I attached a few of the documents that I have been researching I think it is interesting that these be read by them instead of DISCOVER IT - THIS IS DISCOVER FULL OF IT
04/20/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Add-on products and services
  • MI
  • 48224
Web
I purchased a bike with my Discover Card in XX/XX/2017 for about {$530.00}. I was encouraged to use my Discover Card because they have a program offering insurance for products that are damaged, stolen, or destroyed at any point within a few months of the purchase. My bike was stolen in mid-XX/XX/XXXX, just over two months later -- my house was broken into and two bikes were stolen. I filed a police report. I do not have renters insurance because I could not afford it where I lived. Discover Card told me that they were rejecting my insurance claim because the policy does not cover " used goods. '' I purchased the bike used, but it is fairly easy to assess the value of the bike, because both used and new bikes are well-understood consumer goods in an extraordinarily competitive market that has been around for about 130 years. The bike would have cost $ 2000-3000 new, and I didn't think it was a huge steal at {$500.00}, but I also didn't think it was, by any means, expensive. I cited as examples of the value the fact that a new groupset ( drivetrain, brakes, and shifters ) of that caliber would cost way more than what I paid for the bike, and, plus other components, it ended up being a good deal. The insurance policy was not outlined clearly in Discover 's terms, and they had a third-party insurance provider, XXXX, which was VERY difficult to work with. THEIR underwriter, in turn, XXXX, opened a case to look into it but never followed up and I was unable to reach them after that. I appealed the initial denial to both Discover and directly to XXXX and no one ever got back to me except to say that my claim was unequivocally denied because the goods were used. Beyond the fact that these are stupid terms in the first place, I'm unclear on why the denial happened. I'm not a high-income individual. I use a bike to get around because my car was totaled in an accident and because insurance in XXXX is outrageously expensive, I couldn't afford collision, so now I take the bus. I am trying to pull myself up by my bootstraps, like XXXX XXXX and them say I should, but this is the sort of predatory and dishonest practice that you guys should be going after. Thanks for taking the time to consider my dispute. Sincerely, XXXX XXXX
08/14/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 190XX
Web
Failed to validate debt. Specifically, you : DISCOVER BANK ( {$190.00} ) ( {$310.00} ) you are in Violation of reporting accounts especially with different amounts if this account is charged off. -Failed to validate a debt at my request-FDCPA VIOLATION -Continued to report a disputed debt to the CRA- FCRA VIOLATION -Continued to attempt to collect a disputed debt- FDCPA VIOLATION -Reporting a charged off account with a balance- FCRA VIOLATION -Ignored my request for proof of my signature-FDCPA VIOLATION Not only have you ignored my prior request for Validation of Debt, but you also continue to report this charge off account with a balance causing damage to my character. I AM NOT ASKING FOR A COPY OF A BILL OR SUMMARY! Please provide full proof of this debt including MY SIGNATURE binding me to this debt that you claim belongs to me and that I owe. This letter will request that you follow guidelines of The Fair Debt Collection Practices ( FDCPA ), 15 U.S.C. & 1692 and please provide the following : VALIDATION OF DEBT REQUEST -PROOF OF THE CREDITORS RIGHT TO OWN/COLLECT THIS ALLEGED DEBT- BALANCE CLAIMED INCLUDING ALL FEES, INTEREST AND PENALTIES -CONTRACT BEARING MY PERSONAL SIGNATURE- LICENSE PROOF OF THE CREDITOR TO COLLECT DEBT IN MY STATE. I expect to receive the proof I requested above, within 15 days of this letter. Should you continue to ignore my request for this validation letter including proof of my signature, you are in direct violations of my consumer rights as indicated under both the FDCPA and the FCRA. I advise you to delete this account from all credit bureaus. Each Agency is reporting different days, times, absurd comments I have never made, reporting a balance on a charged off account which is a FCRA violation, and your report lacks complete accuracy. This is not professional at all, and it is against the law to report incorrect information. DO NOT send me a summary or a bill without my signed signature that bonds me to this debt. I have been a victim of Identity Theft and have been dealing with fraudulent debt for the past few years. The credit bureaus are aware of my Identity Theft as well. If you fail to follow the law, I will report you to the Consumer Financial Protection Bureau as well as the XXXX.
09/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • MD
  • 21122
Web
I applied for a Discover card mid XXXX, about XX/XX/XXXX. At that point in the application process they asked if I wanted to do a balance transfer and I did so I filled out the online form with my information. I received the card in the mail 2 weeks later. I logged in to their website to activate my card on XX/XX/XXXX. It was at this time, my account was at a XXXX balance and my other credit card was still showing the full balance. There was no indication of anything pending in my account. It was this point I determined that during the initial application process they must have only been asking what my purpose was for applying for the card. So while I created an account and activating my card, I went through the process of doing a balance on their website. During the balance transfer process it was stated that the maximum amount I could transfer was {$8100.00} and that would include the balance transfer fee. So I initiated a XXXX balance transfer from XXXX Bank XXXX Discover Bank. I logged into my XXXX account the yesterday and noticed I had a negative {$6500.00} balance. Just this morning I reached out to Discover to find out what the issue was. And now this morning I noticed in my account that the first balance transfer when I applied for the card on XX/XX/XXXX posted on XX/XX/XXXX and this was 100 % not listed in my account on XX/XX/XXXX or else I wouldn't have done the second balance transfer. Discover told me I need to talk to XXXX to request a refund and they will not and absolutely can not refund the second balance transfer fee. This is absolutely their fault and I should be refunded this money. They misled me and delayed the process to get 2 transfer fees. The fees were {$220.00} and {$230.00} respectively. The second balance transfer posted in 2 days but the first posted 15 days later? That makes no sense. Even if there was a delay in the first balance transfer process, they did not directly indicate this to the customer. They are telling me they absolutely can't refund a balance transfer fee even though this was their mistake. If they can't refund my balance transfer fee then they can certainly give me a credit for the same amount. I will not be a customer of Discover any longer, if they don't fix their mistake.
06/19/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Problem lowering your monthly payments
  • GA
  • 304XX
Web
I received a letter throug h Magistrate Court on XXXX XXXX , 2017 , that my ac count with Discover had been turned over to an attorney for collection. I asked my mother to call Discover and see what was going on and request a copy of my last statement of charges, since I am not able to use my phone during work hours. She was told that I had to call them to give permission for my mother to speak with Discover about my account. I had to call twice and gave my permission bec ause when my mother called to speak on my behalf the first time they said they did n't show where I had called. After being transferred several times, my mother spoke with a representative that said since my account had been turned over to an attorney for debt collection that they ( attorney ) would have to request a copy of the last statement. My mother called the attorney 's office on XXXX XXXX , 2017 and had to leave a voicemail with their representative assigned to my case. He did n't call back until XXXX XXXX , 2017 . On XXXX XXXX , 2017 , my mother told the attorney 's representative that we are asking him to request a copy of the last statement fr om Discover. He reluctantly said it might take a little time to get from Discover. A s of today, XXXX XXXX , 2017 , I have received nothing! They are dragging this situation out so they can tack on more penalties and interest! My mother called attorney 's office again today and had to leave voicemail again. The she call ed Discover again to request a copy of last statement again, but was told that I had to give my permission fo r them to speak to her. I called and gave them my permission t wice ( again ) and was put on hold and then told I would have to give my mother power of attorney befo re they could speak with her. I told them I did n't have time for all of this run around since I was at work on my lunch hour trying to handle this. I AM TRY ING TO PAY THIS DEBT OFF but keep getting the run around with Discover. I left out names of representatives that I spoke with, ( but I have them documented ). I just want a copy of my last statement to verify the charges that Discover says I owe..I do n't thi nk they would just pay for something without knowing what they were paying for!!
05/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33150
Web
Dated on XX/XX/2022, I, XXXX XXXX, an federally protected consumer, will like to bring more clarity and to the attention to Discover Bank of the harm and extortion of extension of credit means by Discover Bank furnishing my non-public personal information and by it not being a Requirement youre doing this without my lawful authority As it mean to bring some statue harm to my financial reputation attempting to extort me by furnishing this information to the Consumer Reporting Agencies this now falls under 18 U.S. Code 894 - Collection of extensions of credit by extortionate means. Im fully aware The financial institution Discover Bank has failed to comply with The GrammLeachBliley Act and did not provide their customer, consumer with the appropriate forms and options to opt-out of furnishing my non-public personal information to 3rd parties according to The GrammLeachBliley Act. Discover Bank can be fined up to {$100000.00} ( Per violation ) according to The GrammLeachBliley Act. Im demanding Discover Bank to cease and desist the status of Charge-off and update to Paid As Agreed to all Credit Reporting Agencies and remove all negative information. I am aware of what a Charge-off is and what a Write-off is and Im aware of what a Finance Charge is. Discover Bank you will be double dipping if you continue to attempt to collect the alleged debt from me. ( Notice ) I refuse to pay the alleged debt. Im aware Discover Bank is not complying with the law and it will be very deceptive of Discover Bank if you continues to furnish my non-public personal information the way you are and you face serious violations and penalties. See 18 U.S. Code 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish ANY person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. Discover Bank you are facing serious penalties with your deceptive business practices and all legal actions necessary will be taken if you do not comply and correct all your errors. Thanks in advance for your timely cooperation. Best regards! XXXX XXXX, federally protected consumer!
08/09/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • CA
  • XXXXX
Web Older American
I strongly, wholly and completely, reject Discover 's recent erroneous, defamatory, damaging and retaliatory action against me and my card account. This is nothing short of gorilla marketing, an outrageous attempt to scare a consumer, to force a consumer to use their product, or else, while they damage my credit reporting with unwarranted changes and restrictions to my account. On or around XX/XX/XXXX, Discover solicited me for an account, and set me up with a {$750.00} credit line. While I felt this was insufficient, and after raising this issue with their Customer Service, I figured, in time, I would qualify for an increase with my good credit and payment history. In XXXX of XXXX, I received a notice as a result of my good account standing and payment history ( which was perfect ), the announced they raised my credit line to {$1800.00}. Before, during and since, my credit report has been flawless. I just got notified, that due to my " significant delinquent '' credit history, and because of lack of activity, they have lowered my credit line to {$500.00} ; further, if I don't use the account in 30 days, it would be closed. I am shocked. I have been in the payments industry well before Discover was even conceived. Obviously, they still have a long way to go to join the legitimate ranks of Visa and Mastercard operating models. This is no way to encourage use of a card product, in fact, if they had given me an appropriately credit line to begin with, and not thrown me a bone, which wasn't worth the cost of an inquiry, I might have used the account more frequently. Not all merchants take Discover, so Visa is still the # 1 card product in the US. Yet, I gave them a chance, a few times, to meet my needs for a decent credit facility line. I just got notified by XXXX XXXX and XXXX XXXX, both {$0.00} balances, and they have informed me that they are changing processors, but thanked me for my business and to expect a new card in the mail. This is professionalism. This is customer courtesy, respect. I just got a home loan in the XXXX XXXX XXXX XXXX on a XXXX dollar property that was paid in full with XXXX delinquencies. All my card accounts have been paid " exceptionally ''. Discover, this is a shame and a sham.
08/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • CA
  • 92011
Web
I have been under an ongoing dispute about on going fraudulent charges by XXXX XXXX radio totaling {$200.00}! I contacted Discover on XX/XX/XXXX regarding suspicious activity on charges I did not recognize or authorize! From XXXX XXXX XXXX. I had been contacted by this company when I purchased my brand new car it came with this feature free! They called me XX/XX/XXXX to advise me my free feature was over and they would offer a discounted rate of a ONE time charge of {$35.00} for 6 months. I agreed and provided my Discover credit card number for only the {$35.00}. In XX/XX/XXXX I cancelled the service over phone, I declined said no did not listen to their radio stations and did not want to pay any more money. The XXXX phone operator continued to lower the rate to down {$15.00} lower from {$35.00} for 6 months to {$20.00} for another 6 months of air service; I hesitantly agreed ONE time charge! But XXXX XXXX fraudulently charged auto charges of monthly fees from XX/XX/XXXX through XX/XX/XXXX XXXX XXXX fraudulently set up automatic on going ( monthly ) charges after the 6 months was over with out my authorization. I called XXXX from the phone number listed on the Discover Statement the operators that answer are from XXXX can not understand or speak XXXX ; I never received a letter or bill from XXXX XXXX Never! I demanded these charges be reversed I NEVER AUTHORIZED FOR MONTHLY CHARGES! I contacted Discover on XX/XX/XXXX to advise them of the unauthorized auto pay and dispute these charges! I was assured by XXXX in Disputes Dept. the matter was resolved i called multiple occasions over the phone in the month of XXXX, Never did I receive a letter or an update but I called Discover to follow up on my dispute. XX/XX/XXXX {$200.00} in reversal charges were charged back to my account by Discover I disputed these charges they are fraudulent! Discover disputes Dept is asking me to provide proof that I never authorized theses charges!? I asked Discover to provide me with the proof that I did authorize autopay! Because I would NEVER agree to a MONTHLY charge of {$20.00} when I had paid {$5.00} for 6 months ( {$35.00} one time charge ) on ( XX/XX/XXXX ) before! I never agreed on auto pay! Discover said my case is closed! Please help
12/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 93638
Web
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX. The current status should not be showing late because I paid it on time. XXXX and XXXX XXXX XXXX XXXX lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any items of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Lets correct this immediately. The XXXX is required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the XXXX has not abrogated my rights by reporting false information, otherwise remove this account immediately. REPAIR THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00}.
07/08/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • FL
  • 33314
Web
This pertains to a Discover credit card which I have had since XX/XX/XXXX. Today, XX/XX/XXXX at about XXXX XXXX eastern time, I tried to my add discover credit card to a recurring bill on auto-pay to maintain activity on the card. I had previously used my cad regularly but this year I wanted to curtail credit card usage so I maintained a single card with a larger limit. When I tried to use my discover card today, it came back as an attempted fraud. I immediately called the toll free number on the card and was told that the credit card had been closed permanently. I spoke to a supervisor, explaining my mother 's illness and passing had absorbed my attention. Also the bank of mailboxes at my apartment had been vandalized and was being replaced around the timeline they sent me a letter. They said they had sent me a letter in the first week in XX/XX/XXXX. I didn't receive it and only just learned about it during our conversation. The supervisor explained that they could not reactivate my card as it was permanently closed. I saw congressional hearings regarding XXXX XXXX that was able to open accounts without customers knowing. I have watched Rep XXXX XXXX take big companies to task for not protecting their customers. I feel Discover is not protecting their customers if it takes only one missed letter to give them the legal cover to close my account that has real consequences for me. I participated in the application, the activation, the use, the payment of balances incurred. Why then can the company close my account without my participation. This affects my credit score in terms of the length of time averaged and my debt ratio. I started with a limit of {$500.00} and used it regularly to built up my credit limit. I feel that discover should not benefit from doing the bare minimum, not even sending me a second letter, an email, text or call. Also, their first contact was in XXXX and they did very little to maintain my business. I understand that a {$2000.00} may be nothing to their algorithm driven business model but this is certainly is a fissure in their business model that translates to a disregard for the average customer who is trying to build a credit history that will reduce the cost of borrowing money for them.
04/03/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Need information about your loan balance or loan terms
  • MI
  • 488XX
Web
I have been attempting to get documentation regarding my payment history from Discover Student Loans. I first requested the documents in XX/XX/XXXX due to a change in the way the payment history appeared on my online account. That confirmation number was # XXXX. Documents were supposed to be sent to my mailing address. I never received the documents, and called again in XX/XX/XXXX. That confirmation number was # XXXX. I was told at that time that the paper documents were sent out in the mail to me on XX/XX/XXXX, but I never received them. I confirmed my mailing address. The person I spoke to informed me that the documents would be mailed again. Again, I did not receive them. I called again on XX/XX/XXXX to inquire about the documents. I was told at that time that the documents had been mailed to me in XXXX, though I did not receive them. I gave my email address and was told documents would be e-mailed to me within the week. I never received them. I called again on XX/XX/XXXX to inquire again about the documents. I was told at that time that the documents would appear in my online account within 48 hours and that a customer service representative would call me on XX/XX/XXXX, to confirm receipt. I was given confirmation number # XXXX. I received neither the documents nor a phone call confirmation. I called again on XX/XX/XXXX. Discussions with the customer service representative appear to indicate that these documents were never, at any point, prepared, even though I was told in XXXX and on XX/XX/XXXX that the requests had been fulfilled. I have now requested my complete payment history documentation four times and spent six months attempting to receive them. I was given confirmation number # XXXX for a new request. The incident number for the phone call itself was # XXXX. I was told that the requests actually never went through because " they were selecting the whole account, and they have to be selected loan by loan. '' I once again gave my email address and was told that I would receive the documents within 3-5 business days. I said that given that I had already spent six months attempting to get these documents, this was unacceptable, and I wanted them emailed to me today. I was told that was not possible.
08/13/2015 Yes
  • Credit card
  • Other
  • CA
  • 92840
Web
As a XXXX, past XXXX years had been extremely difficult for me. I started having issues on payments, and most of my credit debts were sent to collections. And recent years I have been trying to recover from this financial crisis. And that 's how I started making payments on my Discover card debts. Initially I 've contacted XXXX in XX/XX/XXXX to resolve issues on my debt, and my understanding was we have settled the debt by making consecutive payments of {$300.00} per month for a year. So I 've been receiving documents stating {$300.00} was being applied to the settlement balance until XXXX of XX/XX/XXXX Since then I was n't receiving any documents, it led me to think my payments had ended and account was finally settled. But beginning of this month, I ran a credit report and surprisingly found this account is still bad and even had a judgement on it. And when I spoke to XXXX XXXX at XXXX who represented the Discover Bank, I found out for the first time, I had to call them to re-authorize them to debit from my account when I stopped receiving the letter from them. And I found out after making more than {$3400.00} in payments, I still owe {$4500.00} when the original debt amount was {$5300.00}. I 've tried to seek a solution with XXXX, but they were telling me it was my responsibility to call and re-authorize them to debit from my account and continue making the payments. Despite of my lack of knowledge on how to settle any type of debt, I 've tried my best to resolve this matter and made prompt payments by automatic withdrawal. It is hard to believe, I still owe so much in interest when I 've already initiated the payments in XX/XX/XXXX and made {$3400.00} in automatic withdrawal. It is my sincere apology that I could n't repay the debt on time due to my financial difficulties, and I truly want to resolve this matter ASAP. I 'm an ordinary US citizen who did n't have any professional knowledge on how this debt repayment/settlement works ; please help me find a reasonable solution to this matter. As XXXX XXXX XXXX is not willing to help me in any way, I did n't have any contact to seek help. Could you please help me? Please let me know if you need any other information. Thank you very much for your help. Sincerely,
12/06/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • DC
  • 20008
Web
I had a reoccurring payment setup on my Discover Credit Card, then I did a one time payment of the statement balance on my credit card to be paid XX/XX/2019, when doing this I remember it promoting me to ask if I wanted this payment instead of or in addition to the reoccurring payment, I said instead of. Also, I had no reason to believe my credit card company would take more payment than my statement balance at one time. This payment was setup about a week before the payment, I do not have the exact date. On the day the payment was due both the reoccurring charge and the statement charge were taken out, my Discover account was overpaid by {$1700.00}. I immediately contacted Discover to have the {$1700.00} payment reversed, I believe it was XX/XX/2019. They told me I had to fill out a form and the money would take 12 business days to be refunded to my account. Though I said this was not appropriate due to the situation, I filled out the form because I felt it was all I could do. I continued to receive communications from representatives over their chat function for days who continued to ask me to fill out the same form, which confused me. I finally called and asked what was happening on XX/XX/2019. I was on the phone for half an hour and a representative confirmed that the refund had been requested on the XXXX and I would get the money soon. When 12 days was up I contacted the company again and they said the refund wasn't able to go though because they didn't have the right information. I requested a refund to the same account they withdrew the money from and had submitted 4 electronic forms with the information, which included the routing and account numbers. I submitted another form and was told it would again take 12 days from the new time I contacted them, which would actually be the same day that my monthly payment is due. I have still not received any money back, no clear way of how to get it, and no monetary credit for the inconvenience of having my bank account overdrawn by {$1700.00}. This is theft and is not okay. The worst part was that every time I contacted them to get this dealt with they kept blaming me for the error when they created a situation where my account was {$1700.00} overpaid for a month.
04/06/2016 Yes
  • Credit card
  • Delinquent account
  • PA
  • 17402
Web
Today on XXXX XXXX, 2016 @ XXXX XXXX I received a phone call at my work number from a representative of Discover Card named XXXX. She is calling me because I have not made any payments on my Discover Card since XXXX 2016, and I informed her that I had turned the account over to a management company. She asked me if they were a credit counseling agency or a debt consolidation agency. My response was " they do both, and I do not wish to speak with you further because I contacted your office in XX/XX/XXXX to try and help me lower my payment or rate and you refused to do anything at all '' and she stated " I am sorry about that but now that you are behind we have things that we can offer you, however if you are working with a debt consolidation company we absolutely do not work with them we do not consolidate our debts and we will hire an attorney to come after you if the debt goes into default and the consolidation company offers us a settlement which we will take and then have the attorney come after you for the rest of the money owed at which point your credit will be ruined. I am angry with this attitude. I was a loyal customer who paid on time, and I attempted to negotiate with each of my credit accounts when I realized that my income was being adjusted temporarily. They all refused to work with me in any way Discover, XXXX XXXX, XXXX, and XXXX. Now that I have updated my contact information with the phone number of the XXXX XXXX XXXX management company everyone including Discover is calling me at phone numbers that are not longer listed on my account. I want a letter of apology from Discover card for their unfriendly attitude with consolidation debt companies, and an acknowledgement that they will work with them on my account! Discover can provide you with the date and time of conversations that I had with the credit representatives in XX/XX/XXXX where I tried to communication with them of upcoming financial burdens and they absolutely refused to offer anything prior to my credit becoming ruined. I believe I was being a responsible consumer, and Discover showed prejudice and turned their backs and now are threatening me with intimidation simply because XXXX XXXX XXXX may not offer them all they money they want.
05/20/2020 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
  • NY
  • 11222
Web
In XX/XX/XXXX I enrolled in XXXX XXXX XXXX XXXX XXXX. As with most XXXX universities, it was extremely expensive, much more than anything my non-college educated mother or deceased father could pay. Unfortunately my mother was unable to complete her taxes on time when it was my turn to apply for college funding. Being XXXX and claimed as her dependent, I needed her tax returns to apply to federal college funding, FAFSA. With no one to assist me I applied for private student loans ; one from XXXX XXXX, XXXX XXXX, and XXXX, which has since been sold to Discover. My full tuition totaled to about XXXX, all of which I borrowed from these private banks with variable interest rates. XXXX sold my loans to Discover, which have a variable interest rate, mostly hovering between 11 and 13 percent. Since XXXX I have made my payments on time consistently yet my balance remains larger than the original amount borrowed. XXXX was the borrowed amount and I have given Discover nearly XXXX and only XXXX went towards the balance. Before I was laid off by the current pandemic ( XXXX industry ) my average annual income was XXXX. And because my debt to income ratio is too high, I do not qualify to have my loans refinanced. I have been turned down by every company I applied to. What else does this mean? I will be denied for a home loan, car loan, and most other steps towards a future. The American credit system says I am too broke to get help. For eight years post college graduation, I have paid over {$1000.00} a month to all of my loans yet I owe more than I borrowed and it is impossible to get out of this hole of debt or go anywhere with my life. After years of cries for help falling onto deaf ears at Discovers call center. I finally contacted the corporate office in Delaware. The woman who answered, claimed she opened an investigation on my account. It has been a month and I have not received a call back. Half of the time I call, the phone rings for a few seconds then plays an automated message saying the number is no longer in service. I'm writing to ask for help by some sort of regulation to not allow this to happen any longer. It is crippling my generation and will lead to a very imbalanced socioeconomic future.
09/11/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • MD
  • 20782
Web
On XX/XX/18 I received an email from XXXX at XXXX saying that they closed down my account without any prior notice due to the following reasons. " Time since unsecured loan opened Derogatory public record or collection filed Length of time accounts have been established '' I gave them a call on XX/XX/18 at XXXX XXXX when their office opened to ask why they were my closing my account out of no where. They explained to me that they reviewed my account/ my credit report and they said because of the above reasons they have to close my account. They said it was closed permanently and there was no appeal process or anything I could do about it to reverse the decision. When I asked to speak to a supervisor I was told they were not available. I just recently paid off my balance in full for this account a month before they closed my account. My credit score is in the 700 's as well as I've had this credit card for over two years. They are my longest credit card length on my report. The unsecured loan they are talking about has just been paid off a week prior to them closing my account so it hasn't even gotten a chance to reported onto my credit as paid off. The collection on my account was a medical bill from a year and a half ago that was paid by a car accident settlement that I had to wait months to be paid out. As well as, it has been on my credit report for the two times XXXX has increased my credit limit and it was never a problem. Also, the lengths of the time my credit has been established makes no sense because they are my longest credit card I've had. I feel as though I have been unfairly treated by XXXX. My account was reviewed without my knowledge and closed without out any warning or notice. There is no appeal process and they are closing my longest standing credit card that I have. Them closing my account will affect my credit in tremendous ways including my credit length, my available credit line amount, as well as having a closed account on my credit report. Again as I stated before, I've been with them for over two years, my account was paid off, and my credit is in the 700 's. I just don't understand why my account had to be closed when they just raised my credit limit XXXX a few months prior.
11/23/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • XXXXX
Web
I contacted Discover card on XX/XX/2021 in reference to a pending charge in the amount of {$2500.00} via the discover message center to let them know i wanted to start a dispute. I was told i would receive conformation either by email or mail. I never got either and i followed up myself on XX/XX/2021 to see if the dispute was started and was told it was being followed up on. it was not till XX/XX/2021 did i receive any correspondence via email stating the dispute was in my favor ( nothing had been requested from me during he whole process ) I contacted Discover again to ask details re : the company in relation to the charge disputing the decision and once again that was the only way i got any information from Discover. Then i contacted Discover again on XX/XX/2021 because the {$2500.00} was just applied back to my account, no information, no correspondence so like before i had to reach out. At XXXX i was told there was no dispute on my account for the past XXXX months and then with some back and forth i was told that the dispute was resolved. I complained that no documents were requested from me and when i explained what i did have they told me the only documents that would be acceptable for me to submit would be proof the company in question agrees to issue a refund. I had to ask more than once for where i submit documents on my behalf and this only was provided after i requested a manager and it was XXXX days later on the XXXX XXXX XXXX. I faxed a letter with some documentation on XXXX XXXX XXXX. I received an email XX/XX/2021 letting me know my information was already considered or was insufficient and said i have another XXXX days to continue my dispute but that they already sent reporting to credit bureau 's. When checking my credit report on XX/XX/XXXX was already effected by Discovers actions and my rating dropped XXXX points. Now when reading the FCBA I was under the impression that while a dispute is ongoing it should not be reported to the credit bureau 's. Also my main issue is Discover in not allowing a proper dispute and is stating the only documents they want is for me to get the opposing company to agree to a refund which is NOT a dispute and not how disputes work when there is fraud involved.
11/21/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85308
Web
Paid off balance. I always got paper statements although rep says that I opted out of paper statements. Paid off balance, was not called apparently because there was no consent agreement to call me. Went through consent agreement to call me with rep. Then called Discover to rectify issue because I never had a missed payment and this was all miscommunication. I informed them that I spoke to rep that said that was my payoff and was not informed of residual interest. They then informed me that they did not see any record of that phone call. Then informed me that they still did not have consent to call me, even though I went through it with previous rep. Informed them that there is a lot of mess up and miscommunication within Discover, which is what led me to a negative inquiry on my credit report. Stated that same way Discover has no trace of my phone call for pay off, is the same way they have no consent to reach out to me even though it was completed. Rep from web services says she saw the consent was completed and a copy was sent to my Discover inbox XX/XX/2019, however on other end was being told it was not done. Informed them that this is a mistake on their end and they should fix the reporting especially after being a customer for over 5 years and not one single missed payment, then paying off balance and getting hit with negative inquiry, manager would not budge. Told me that he was sorry I felt that way but it was reported accurately. I informed him that I just paid off over {$2000.00} debt, I would not run from a {$43.00} payment as my email shows. Although previous rep noticed the miscommunication and removed late fees and took my payment immediately. However through all of this, Discover raised my credit limit to {$4000.00}. If I did not have a great payment history, and if this does not seem to be a miscommunication on their end, why would a creditor raise the credit line for a consumer that is bad about making on time payments? The response to that question was oh wow. Im typing this as I am waiting on hold with discover for over an hour to get a copy of the original consent agreement that their web services see was in my inbox, however they have no trace of. screent shot of that was also included.
04/17/2021 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • AZ
  • 85016
Web Servicemember
I am a senior citizen and military veteran. Prior to submitting a loan with Discover Home Loans, I stipulated I wanted my payment due on a specific date each month. Discover confirmed this could be done and sent several emails to me as such. I was approved for the loan. From XXXX to XXXX I have tried over seven time to have Discover change my payment date as was agreed to do as a condition of the loan. They transfer me to a different agent each time with no agreed upon payment date change. Discover guaranteed this could be done if I took out a loan with them. XX/XX/XXXX : Discover Home Loan email confirming new loan #, states your payment is due on the XXXX of every month. If you would like to change your monthly due date, give us a call and we can move it up to 15 days after the original date, from the XXXX to the XXXX of each month. This change can be made one time. Email attached. XX/XX/XXXX : Called Discover Home Loans to change the monthly due date to XXXX, 15 days after the original date. Was informed that an email needed to be sent to XXXX and would take three to four days to process. Email attached. XX/XX/XXXX : Date change still not processed, I called for a status update. Was informed by XXXX ( who hung up on me and called me back ) she couldnt help and would set up escalation for that department and it would take XXXX XXXX hours. XX/XX/XXXX : Still not processed. Called and XXXX directed me to a supervisor, because he couldnt help. Spent 45 minutes on the phone with supervisor, XXXX, who told me she would escalate, as she could not complete. XX/XX/XXXX : Still not processed. Called and was told by a different supervisor, XXXX, it would be processed by XX/XX/XXXX. XX/XX/XXXX : Still not processed. XXXX transferred me to XXXX who said she would escalate. Both are supervisors. Received an email from XXXX ( XXXX ) XXXX, Resolution Specialist, that she would be handling and the contact throughout resolution and will contact me by phone or email by XX/XX/XXXX to provide an update and/or resolution. I responded to her email that XX/XX/XXXX is after the original due date and therefore doesnt resolve the issue. Ive also tried to contact XXXX via phone several times, all unsuccessful. Email attached.
08/13/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • TN
  • 37130
Web
During the month of XXXX I had a failed payment for my credit card through Discover Card. When attempting to sign into my online account I was denied access and immediately called customer service to find out why. I was informed that I needed to send in documentation requested by the fraud department on XX/XX/2020. I was unable to make a payment until then. I faxed all requested documentation in asap. While waiting for a response or update I called about my payment on XX/XX/XXXX and was told that it would be deferred without penalty or late credit reporting. I still hadn't received any notification about my sent in documentation. When attempting to make a payment for the month of XXXX I was told that my card had been closed without an explanation. One week later I received a credit monitoring notification that Discover reported my account as 30 days late, although I was told that the payment was deferred. I've made multiple phone calls without explanation or reason as what is going on with my account or its closure. I had my brother, an authorized account user, call with me and finally received a frustrating explanation. Discover explained that my account was closed because some of my documents that I faxed were illegible. They stated that they sent a letter to my home on XX/XX/2020, explaining that the documents needed to be resent or the account would be closed. I never received this notice or any other correspondence regarding the matter. I also never received an account closure letter that Discover says was sent on XX/XX/2020. To make matters worse although I did not have online access to my account nor was able to make a phone payment, I received another notice today that my account is 60 days past due. Discover has caused the credit score of my brother and myself drop significantly with lack of information and communication. This has impacted my brother drastically, as he is an XXXX service member currently stationed in XXXX and is 30 days away from returning to the US and scheduled to close on his home mortgage. As a XXXX XXXX working multiple jobs as well as dealing with family XXXX issues this has added a heavily undue amount of stress and terribly blemished my otherwise unblemished credit report.
07/27/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 183XX
Web
Discover Financial Services refuses to refund me for an order that I paid for and never received. The order was marked as delivered with no images of delivery on XX/XX/XXXX. I contacted the company in question ( XXXX ) to let them know of this and that I would like a refund, as I was traveling soon and would not be able to receive a replacement. They refused, despite not have any written policy that says they are not liable for lost packages ( or ones that are not received ). When I questioned this, their response was that " Not all of our policies are explicitly written '', which is problematic. I filed a claim with Discover to dispute this charge. Discover, to my surprise, sided with the merchant after receiving a document ( that I could have provided ) that marked a timestamp for delivery. This is not proof that the item was actually received or even delivered to the correct address ( or even delivered at all ). Why? Because carriers oftentimes make mistakes. This wouldn't be the first time a customer of any company has had something delivered ... to only find that it's not actually there. Despite being a customer with Discover for 8 years and not filing a single dispute prior to this, Discover requested that I jump through various hoops to get this resolved ( XXXX, FTC, Attorney General, XXXX claims and complaints ). They did not require anything else from the merchant. This seems wildly unfair and problematic, because as my bank they hold the funds that I used to pay for this purchase that I, again, never received. I contacted XXXX to make a claim and they denied it saying that the merchant ( XXXX ) must file the claim according to their agreement, but XXXX has refused to do this. This leaves me with absolutely no recourse, and as a last resort ( my bank ) has denied me as well. This is ridiculous, unfair, and unprecedented. I am the Head of XXXX at two startups, and I file responses to chargeback every week. Every claim that has been made by a customer who says they have not received a package that was marked as delivered has ALWAYS been successful - meaning that their bank has NEVER sided with us, even though we provide proof of deliveries from carriers. Why is this not the case for Discover?
09/05/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 950XX
Web
Duplicated charges from the same doctor 's office since XXXX. My husband signed/authorized the charges only once with every visit to this doctor 's office but they are all duplicated on the Discover Card statements. We have paid Discover Card for these unauthorized transactions. Dispute department has been contacted in XX/XX/XXXX and XXXX worked to put the credit of {$660.00} and {$140.00} on our account. These then showed up as transfer balances on XX/XX/XXXX and XX/XX/XXXX respectively ( see attached ). Discover Card dispute supervisor ( XXXX ) whom I spoke to on XX/XX/XXXX confirmed that Discover Card has paid the doctor 's office twice for each of these transactions. We have paid Discover Card and expect Discover Card to pay us back in full for the unauthorized charges immediately. It is a mistake made by Discover Card in paying the merchant for unauthorized transactions and their Fraud department should take responsibility for not catching this. Discover Card is unfairly making the payment to us for these unauthorized transactions dependent on them being able to recoup the money from the merchant as a " transaction by transaction '' dispute and reversing the temporary credit when the merchant is unresponsive or responded that they did not duplicate a charge to Discover Card for a particular disputed transaction. XXXX also told me on the XX/XX/XXXX call that she can only put a partial amount of the total owed to us on permanent credit ( {$770.00} ) and refused/ can not give us permanent credit for the full amount owed to us ( {$1300.00} ). The {$770.00} permanent credit still has not shown up on my account as of this writing. On XX/XX/XXXX, I have received several letters in the mail from Discover Card stating they are unable to settle the disputes in my favor and consider the charge to be valid with merchant 's response attached amounting to {$730.00}. On XX/XX/XXXX I have also reached out to the doctor 's office and spoke with XXXX in Billing. I was told to mail her the statements showing the duplicated/unauthorized transactions. This was mailed to her by registered mail. XXXX made a follow up call to me on XX/XX/XXXX and mentioned XXXX, her supervisor has provided a full report to Discover Card.
04/12/2017 Yes
  • Credit card
  • Billing disputes
  • NJ
  • 085XX
Web
I am alleging discrimination by discover card which has been suspected all along. I need all copies of complaints i have made as i believe once i retain counsel this is headed to court. Nothing has been resolved. The same person XXXX XXXX is answering my emails to follow up on promos I request and that I am told may be available to me. I have asked anyone who answers me to tell me who they are based on the horrible way i am treated. I am being discriminated against and i want it investigated. XXXX XXXX continues to mischaracterize my unresolved complaints and requests as " dissatisfaction '' I dispute that. Its resolve. You see being in my XXXX and handling credit well all my life with many banks i know this is discirminartory. I will stop paying all accounts and take steps to protect my credit based on the discriminartory way i am being treated. Years ago i was told notes on customer accounts telling other agents not or to do something in particular was prohibited but its done all the time here. Further when i make REQUEST I am transferred to a specific place. I will not and can not keep spending my time writing here. I have stopped paying all accounts because if i am reported to credit after trying to get help not counselling for credit not being sent the agreement but a promotion as i was promised by collections. I will not let my credit suffer and i will not be treated in this discriminatory fashion. XXXX COMPOSE Labels Inbox ( XXXX ) Starred Sent Mail Drafts ( XXXX ) More CollapseHangouts More XXXX of XXXX Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred
10/20/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60611
Web
I have purchased a shirt from XXXX {$340.00}, however the size was too small so I returned it. The store had struggles issuing a refund- took around 10 minutes and lady had problems scanning the receipt and the shirt although it had all the tags and model numbers matching. Eventually the refund was processed but never showed up. I kept a receipt just in case. Few weeks later still no credit, so I contacted Discover, opened a claim and provided them with a copy of the receipt showing the refund is due and that it was never processed. Discover, accepted the claim reassuring that I am in good hands. Initial review resolved in your favor - that was the status. Few months later the balance seemed to be a bit strange, so I reviewed why. Then I found out that the transaction was posted quietly back to my account. I checked dispute section, and it says " After receiving the information, the transaction was found to be valid, and we will rebill your account ''. I contacted discover again asking to reopen the case, saying I did not get any credit, and if they claim to have mailed me something please requested for the copy of endorsed check. They understood the issue, and reopened 2nd review saying that they did request for the information. Today I logged into my account, and says 2nd review found the transaction to be valid. Basically, I returned the merchandise, kept copies of sales draft saying refund was processed and yet, I still Discover does not want to resolve this issue. Seems like there is some secret agreement between Discover and XXXX. I never had anything like this before, where after more than once clarifying the issue it would end up the same way. What is baffling is the fact that they are not directly addressing the issue. They claim the transaction was valid- which is obvious since I did purchase the item. So yes, the initial transaction is valid, but they are ignoring the fact that this claim is about a refund not received, and not a dispute about whether the initial transaction was fraudulent or not. Discover is willfully being difficult and obtrusive in the final outcome. And more glaring is them being insidious in how quiet and elusive they are in secreting my funds which i wholly deserve.
04/22/2016 Yes
  • Credit card
  • Advertising and marketing
  • CA
  • 94596
Web
Discover started and marketed a promotion giving XXXX % Cashback on ALL transaction using XXXX. I applied for and received a credit card from Discover expecting to receive XXXX % cashback on all XXXX transactions. Shortly after their promotion started Discover started arbitrarily adding restrictions to the promotion. After that Discover began a program to blanket deny all high value transactions due to " giftcards '' even if those transactions contained no giftcards. Discover then again changed the terms of their promotion without warning and started requiring receipts for all transactions in order to obtain the advertised cashback. The original terms under which I signed up are as follows : " What are the details for the XXXX % Cashback Bonus ( R ) promotion? Cashback Bonus : Earn an extra XXXX % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX XXXX, 2015. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within 2 billing periods. See Cashback Bonus Program Terms and Conditions for more information. XXXX : Earn an extra XXXX miles per dollar on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX XXXX, 2015 now through XXXX/XXXX/15. Rewards earned are in addition to your standard rewards and are added to your Miles account within 2 billing periods. See Miles Program Terms and Conditions for more information. '' Discover clearly engaged in deceptive marketing practices. They marketed a promotion promising amazing rewards with no cashback and after getting new customers to sign up, they began fraudulently denying transactions without cause and adding restrictions without notice. The request for receipts is a blatant attack on customer privacy. I will add that the FDIC and CFPB have already previously held that Discover has engaged in deceptive acts and practices in or affecting commerce, in violation of section 5 of the Federal Trade Commission Act ( " Section 5 '' ), 15 U.S.C. 45 ( a ) ( l ), and in deceptive acts and practices in violation of sections 1031 and 1036 of the CFP Act ( together " Section 1036 '' ), 12 U.S.C. 5531,5536.
05/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NJ
  • 07093
Web
I am a victim of identity theft, and an account was fraudulently opened with Discover Bank using my personal information, including my name, XXXX, and date of birth, on XX/XX/XXXX. The address and phone number used to open the account were not mine, and they belong to the thief. I am a XXXX citizen who has been living in XXXX for the past 13 years until I came to the XXXX for work on XX/XX/XXXX. At the time of the identity theft, I was not present in the XXXX and did not have any address here. I discovered the fraudulent activity after my arrival in XXXX, and since then, I have been disputing the fraud account with Discover Bank . I have submitted a Police Report, Passport Copy ( with stamp pages ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. for past years ( issued by XXXX XXXX and Border Protection ), my VISA status, and all possible documents to prove that it was impossible for me to open an account, receive a card, or make any transactions in the XXXX during that time. However, Discover Bank keeps denying my dispute, claiming that the account was opened with my information and that a statement was sent to the thief 's address. It seems like the investigator is missing the whole point that my ID was stolen and used to create a fraudulent account, and that Discover Bank sent the fraudulently made card to the thief 's address for illegal use. Timeline : XX/XX/XXXX : Called Discover Bank, advised to call collection agent ( Radius Global ) XX/XX/XXXX : Called XXXX XXXX, advised to wait for notice XX/XX/XXXX : Received a letter from Discover Bank, asking me to submit dispute by fax XX/XX/XXXX : Sent fax to dispute ( explanation letter, SSN copy, Passport, Police Report, etc. ) XX/XX/XXXX : Received a denial letter from Discover ; called to reopen the case and sent fax again ( same as XX/XX/XXXX ) XX/XX/XXXX : Received another denial letter from Discover ; called to reopen the case and was asked to submit passport stamp page XX/XX/XXXX : Sent fax ( explanation letter, passport stamp pages, US Gov documents, XXXX copy ) XX/XX/XXXX : Called Discover and confirmed the receipt of fax XX/XX/XXXX : Received another denial letter from Discover XX/XX/XXXX : Called Discover to reopen the case again.
10/20/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 076XX
Web Servicemember
I have received an online letter from Discover recently reviewing my account without my knowledge Discover stated my credit transaction account is OPEN, but you have changed my account to a lower amount. Discover is aware that I have extended credit to your corporation in XX/XX/2019. Discover has violated me by using my credit report to have judged me by the character of information that was provided by a third party and not authorized by me. I was judged by an alleged negative character that Discover wasnt present to know for sure if the history provided is facts. Im writing you because my credit line should be an open-end credit plan not lowered to {$9400.00} You have already extended my credit from my credit card. Therefore, I demand you to re-consider my credit line to an open-end credit plan. If you are not able to provide me with an open-end credit plan, I would like my documentation evidence and I will ask for a right to rescission. As per the statements that have been given to me monthly there are many billing errors. As per Congress 15USC1666b, the statements that are given are not bills for me it is just a receipt. Also as per Congress 15 USC 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on any account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. Discover has closed my account after the letter above was received. I didn't give permission for Discover to close my account.
11/15/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • WA
  • 983XX
Web
I opened a new first card with Discover only to have them restrict my ability to pay my balance. Its a prepaid SECURED card with a {$500.00} deposit and credit limit. The current balance owed to me is {$500.00} minus {$310.00} which is {$180.00}. My earned cash back bonus is {$31.00}. Discover revoked my personal bank account as a payment option and did not explain why. They blamed 'issues with the website ' but that can not be taken at face value. I decided to close my account because of the hassle and they are making me wait on hold inexplicably in order to do so, they dont provide an option to close the account online, they limit the number of payments you can make within an arbitrary timeframe through various means, and they tired to get me out of an additional entire " balance '' payment over the phone. There is no option to close the account online and the wait time in total was over XXXX minutes. I am requesting the CFPB monitor this corporation very closely and forward this complaint to them, Discover, in case I need to take a trip to Maryland where they are based and speak to them in person, so you can update this complaint in the future. These excuses Discover gave me could easily be a customer harassments technique but if Discover does not close my account with them, assess no fees, and does not live up the exact words of their phone conversation I will be paying them a special visit in court or in their face. Ive been meaning to travel to the DC area. XXXX. No confirmation number provided for account closure of phone call made today at XXXX XXXX. Rep says they 'dont give them ' XXXX. Representative said they would send letter out with confirmation of account closure XXXX. The representative said there are XXXX people who handle account closures so I asked why their Interactive voice system forwarded my call to him in particular when he said he would have to forward my call to another department after waiting on hold, then he revealed that he could indeed close the account himself. XXXX. The company said XXXX calls are recorded ' 7 days to get balance of {$180.00} is what the rep said. this is by mail. XXXX billing cycles XXXX days to get {$31.00} 'cashback ' by mail.
01/29/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AZ
  • 85719
Web
I bought several mice from XXXX XXXX and later found that they had problems, so I returned them all to XXXX XXXX. XXXX XXXX promised me that they would refund me the full amount within XXXX weeks, but I have not received any money for almost 2 months. Because I have not received anything, and XXXX XXXX has never refunded me, I have disputed the purchase with my Discover credit card. However, Discover is being unreasonable and despite providing complete and clear evidence that XXXX has received my return a long time ago, they have refused my dispute. They are requiring me to prove that XXXX XXXX 's policy would have refunded me the full amount in this situation and that the refund would have been credited back to my account. These demands are clearly unreasonable and I am entitled to dispute the payment, I have not received anything, and have proven that I have returned the significantly flawed mice in full. I also attempted to find XXXX XXXX 's policy and sent it to discover, they do indeed promise a 30-day no-questions-asked refund and state that they will refund back to the credit card within XXXX weeks. But discover argue that these terms are not clear enough and do not guarantee a full refund and do not represent a return to the original credit card. In my opinion, this is clearly an irresponsible and malicious obstruction. I believe that in this situation, I have actually provided evidence beyond what is normally required for a dispute, and I have communicated as best as I can, but Discover is pushing all the burden of proof on me, I am very disappointed and hope that the CFPB can intervene and investigate so that consumer rights can truly be protected. -- -- -- -- -- -- - Here are the XXXX XXXX. detail : XXXX. XXXX. Date XX/XX/XXXX XXXX XXXX XXXX XXXX Merchandise {$46.00} XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Date Monday, XX/XX/XXXX Transaction Date Monday, XX/XX/XXXX Merchant Category COMPUTER SOFTWARE STORES Purchase Method ONLINE XXXX. XXXX. Date XX/XX/XXXX XXXX XXXX XXXX XXXX Merchandise {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Date Saturday, XX/XX/XXXX Transaction Date Saturday, XX/XX/XXXX Merchant Category COMPUTER SOFTWARE STORES Purchase Method ONLINE
06/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • MD
  • 20850
Web
On XX/XX/2022 I received an app notification from Discover bank that there was an issue with my account and to call them. We waited on hold for over 10 minutes with the number they provided and when we spoke to an associate they transferred us to the fraud department. We were hung up on. We did this two more times before getting the direct number. When we called the fraud department we waited over an hour to talk to a representative. The rep told us that our account had been closed due to a " business '' decision and no other information was provided. They would not tell us when our money would be released, or how we would get it, they repeated over and over again that they'd have a supervisor call us. We called back later that night and the wait was over an hour and 20 minutes. This agent ( XXXX XXXX told us that it would take 60-90 days and refused to answer any other questions. He also said a supervisor would call back, but that never happened. It's been over 48 hours. They did tell me in the course of this conversation that they had canceled the wire transfer to my landlord ( the same one I make on or around the 1st of each month to the same person, at a local, XXXX XXXX ). We made no unexpected purchases, we did not deposit any money from bitcoin or other cryptocurrencies. We do not have a history of bounced checks. We had one transaction fail because my deposit was delayed by a day due to memorial day and it was able to go through the next day. All but {$200.00} of our money was in this account and they prevented us from paying for rent, our utilities, and basic necessities like gas and groceries. We had to get money from our family to be able to make ends meet, with no information on why they did this. If we did not have that financial support, we would be at risk for homelessness. It is inconceivable that Discover should be allowed to do this. I made a public XXXX and XXXX post and users are commenting that they experienced the same thing this weekend. Either Discover was compromised and this is their solution, or their fraud automation is broken. Whatever the reason, they have put immense burdens on their consumers who are already feeling the deep pains of inflation and gas hikes.
07/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • MA
  • 02139
Web
I went to XXXX to place two order worth {$76.00} and {$85.00}. I tried to pay for those transactions with my Discover Card using XXXX XXXX. I wanted to use XXXX XXXX because Discover Bank sent me two emails and publicised heavily about their XXXX XXXX cashback promotion during this quarter : XXXX. Thus, I wanted to take advantage of the offer and hence went to XXXX to place my two orders using XXXX XXXX. However both the transactions were declined by Discover and I was so embarrassed when the cashier said that the card was declined. I was looked down upon like a beggar having no funds to pay for my meal/order by the cashier and I can understand the cashiers perspective. I thank XXXX that I had other credit card to fulfill the transaction. However, I will never forget the public embarrassment I had to go through just because I wanted to use my Discover card. Note : I had enough credit limit available in my account to make the charges but still was declined to pay the charges. I have never been treated so badly in public for not having money. I make over $ XXXX and still had to go through this turmoil. I am scarred and highly disturbed by this incident and its impact over my mental health When I call customer service at Discover, they say that they are having a system/technical error and just dont acknowledge the gravity of the situation. They say they just cant do anything. The most annoying part is that they dont even give a complaint/case number and are unsure of whether there will be a follow up of the complaint. This is very pathetic. Lastly, I also lost {$16.00} in cashback because of the declined transactions. It was a worst day and highly regret using Discover. I need compensation for all the inconvenience caused and for the discrimination I had to face today. I need a call-back and REGULAR follow-up regarding my complaint. There has been a pattern with Discover. The customer service executive say they raised a complaint but not give a complaint number and neither any acknowledgement of receipt of the complaint. And then they say it will be handed by Corporate office and thats it, they just never get back regarding the complaint. Thats non-accountability of the highest level
06/17/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • KS
  • 66062
Web
This is the second complaint that I have needed to file with the Consumer Protection Financial Bureau against Discover in the last two months regarding a disputed transaction against XXXX. The products I purchased from this company made my dog sick. I am holding on to the products for FDA inspection. I have already filed the FDA report as well as one with my state attorney general. Therefore, I can not return the product, but I certainly should not be expected to pay for them. XXXX leads customers to believe that they purchase XXXX XXXX supplements directly from them -- they do not according to XXXX, which can be verified if Discover speaks directly to the company. So they mislead customers in to believing the products are not counterfeit, expired, or tainted when they have no way to confirm that they are not, because they buy the products from an unauthorized third party. XXXX XXXX never sells to online pharmacies ; they only sell directly to licensed veterinarians. If Discover fails to remove this charge permanently from this credit card, we will never make a purchase with them again. If these items would have been purchased with our XXXX XXXX or XXXX XXXX card, we would not be having these problems. I've had disputes with both of these credit card companies in the past, and they have always promptly and permanently removed the charges. Finally, when I re-disputed the charge with Discover for the second time, the rep I spoke with stated they were able to put it back into dispute status because XXXX didn't supply enough supporting documentation to show the charge was actually valid. Disover records conversations, so what she stated to be can be validated if the bureau requests the recording. Despite this, Discover took it out of dispute status anyhow and expected that we pay it. If this was the case, that XXXX didn't supply enough supporting documentation to validate the charge, they NEVER should have taken the charge out of dispute status. And I certainly don't believe XXXX supplied Discover with any additional supporting documentation this time around to validate they should be charging us for these items. Rather, I believe they took it out of dispute status just like they did before.
09/14/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • FL
  • 33433
Web Servicemember
I had a credit card from Discover that was charged off XX/XX/XXXX. The account was then later sold to a Florida entity named XXXX XXXX. Around from XX/XX/XXXX to XX/XX/XXXX I was on a XXXX. Upon my return a year later with no prior correspondence the collection company served my roommate. I showed up to court and made payment arrangements that were inflated with interests. While I was making payment, I called in and inquired about making a payment that consisted of a large sum to be distributed evenly across a number of months. The representative on the phone accepted the payment and they defaulted me the following month for non-payment. I was a student and not working, they placed a lien on my bank account. I had a lawyer submit a file to remove the lien and told them he would be representing me from that point forward. Since then, the attorney has n't received neither calls nor correspondence from XXXX XXXX , XXXX, neither have I. On Monday XX/XX/XXXX, at about XXXX XXXX a sheriff showed up to my apartment with a court execution order to levy my property. He parked behind my car and forbade me to leave the premises without handing over my car keys unless I wrote him a check for {$4600.00}. I pleaded with them that this car is how I earn my income as a ride share driver, he called a town truck and impounded the car with a notice to resolve the matter in 45 days or the car would be sold. Since then I have filed a Notice to Defendant of Right Against Garnishment, Wages, Money, and Other Property. I contacted the collection agency and the person handling the case advised me to have my lawyer contact them. He has tried for the past three weeks and has n't successfully spoken to anyone except for a secretary who told him someone will return his call. It appears I have n't been giving any choice in this matter. I was under the impression they 'd want their money but instead they rather have me suffer and not earning an income. I do n't understand how this is justifiable. I 'm going 21 days without my car. It 's costing me {$32.00} per day on average to travel to a per Diem job where I 'm only earning {$85.00} before tax. My hands are tied at this point, I just want to resolve this issue. Thank you.
12/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30097
Web
Id like to file another complaint against Discover again. It took them over 10 months to resolve a fraud case that occurred on my account. Initially, they wanted me to pay {$5600.00}, and I told them that Im refusing to pay that amount because Im protected under the fair credit bureau act, and the legal authorities all confirmed that I dont owe a dime to them because theyre the victims now. They would lie about my statements being over {$4000.00}, so I would draft that amount out of my XXXX XXXX account and pay them, that balance would never drop, and when I called them they said they never received a payment, but theyre using underhanded tactics to scam and try to get more money from me. They would send me fake emails saying thanks for paying {$84.00} when I never paid them that amount saying that it was probably auto draft payment, and thats a lie because I never enrolled in auto draft options. They would re-open a closed account and send me a replacement card after I filed for fraud, which made no logical sense saying that was the default option meaning that they would take my personal account and make changes without my permission or knowledge beforehand and make things up as we go. So, I would have to call back and close the account and reject the replacement card because I never consented to such illegal activities. It took them 10 months to resolve fraud activities on my account which had detrimental effects on my credit score. It went from good standing XXXX something down to XXXX because it took them that long to figure out the fraud activities on my account. Now theyre asking me to send a final payment of {$1600.00} which I would like to dispute because theyre disregarding the laws and rules here that protect consumers from any liabilities related to fraud. So, Im filing this complaint because ( 1 ) My credit score got messed up because it took them a long time to resolve a fraud claim ( 2 ) Theyre asking me to pay more money which Ive compensated them enough for in the past by forwarding over {$4000.00} that shouldve covered the balance that never dropped a few months ago, and theyre denying to recognize that Im protected under the law from fraud and any charges thatve accumulated.
10/13/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Having problems with customer service
  • NY
  • 10033
Web
XXXX XXXX XXXX, XXXX XXXX of XXXX I requested to have my co signer released from my Discover Student Loans which were originally disbursed and serviced by XXXX, XXXX. I received the attached letter denying this request, stating my credit score resulted in the denial for the reasons below. My Credit Score is XXXX which is below average however I have an excellent payment history with Discover and all of my student loan servicers despite the astronomical amount and unbearably high interest rates. My interest rate with Discover is 10.875 %. 1. ) Serious Delinquency2. ) Proportion of Balances to Credit limits is too high on bank revolving or other revolving accounts. 3. ) The time since delinquency is too recent or unknown4. ) Proportion of loan balances to loan amount is too high. Please see my responses below to each numbered item. RESPONSE TO 1. ) There are no delinquencies on my credit report and to the best of my knowledge there have been no delinquencies in my financial history since XXXX. Please see my full credit report attached. RESPONSE TO 2. ) I have minimal Credit Card Debt of {$800.00} which is paid on time and I have no overdue balance over my limit. If this is referring to my Student Loan Balances, the balance to credit limit ratio is due to high interest rates SUCH AS Discover 's Rate of 10.875 % RESPONSE TO 3. ) The Time since delinquency is not recent. As previously mentioned there are no delinquencies on my attached credit report which has balances dating back to XXXX. RESPONSE TO 4. ) The proportion of my Loan Balances to Loan Amounts are too high because of high interest rates again, citing XXXX high interest rates of 10.875 %. CONCLUSION : This application has been denied because of my credit score which has been directly impacted by Discover and my other Student Loan Servicers. Given the predatory policies of these lenders it is almost impossible to achieve an average to good credit score. I respectfully request that Discover takes into consideration my excellent payment history, reverses their decision and releases my cosigner. Once my co-signer is released I will have a better chance of refinancing these loans in an attempt to build a more stable future.
08/24/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30265
Web
This complaint is in regard to the harassment, negligence, and discrimination I have experienced with Discover Bank and their illegal debt collection practices. On the XXXX of XX/XX/2023, I was served papers from a debt collector, claiming to be representing Discover Bank, for an attempt to collect a debt that is not owed. According to the FDCPA, a debt collector may not use any false, deceptive, or misleading representation or means in connection with collection of debt. I was not given any communication or any proper notice for the validation of debts before being wrongfully sued for this alleged debt obligation by Discover, in accordance to 15 U.S. Code 1692 and 12 CFR 1006.34 ( a ), nor did I receive any of the required disclosures, in pursuant to 12 CFR 1006.42. With that being said, I promptly responded to their court summons with the magistrate court and I sent a copy of my answer to Discover and their lawyers, along with a debt validation letter and a cease and desist. On the day of the hearing, Discover 's attorney didn't even have a copy of my response nor did he have any of the letters I sent them, which was by certified mail. It is now the end of XXXX and I have not received any of the documentation that I rightfully requested by law. Discover and their lawyers have ignored all of my attempts to get this debt properly verified, and have violated many of my privacy and consumer rights under the Fair Debt Collection Practices Act. I have called Discover multiple times trying to gather more information by my own merit and even their customer service team has no information on the account number they provided. Discover and their representatives are worsening my financial burdens. I have had this alleged debt obligation weighing on my mental health for over 3 months now. They are wrongfully attempting to collect a debt that is not owed and are harassing me for monies they can't even verify in their own system. This entire ordeal has been sketchy in manner, unprofessional and unlawful, most importantly. There is no proof of this alleged debt obligation and I am tired of being ignored. Discover is not operating in the covenant of good faith and fair dealing with their consumers!
11/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AZ
  • 85281
Web
On XXXX XX/XX/2021, Discover Financial Services was provided a one-time verbal authorization to run a hard credit check in order to obtain a small personal loan. During this process ( on the same call ), the Discover Personal Loan representative stated that their computer system was down and they were unable to complete my application. On XXXX XX/XX/2021, a hard inquiry from " DISCOVER FINANICAL '' appeared on my XXXX XXXX XXXX XXXX XXXX. On XXXX XX/XX/2021, I called Discover Financial Services to resume my application. I informed the new representative that a credit check had already been completed, and they acknowledged this in the affirmative that a second hard credit pull would not be completed. During this call, the small personal loan application was completed and submitted. At no time did I provide my consent to a second hard credit pull. On XXXX XX/XX/2021 ( while on the phone with Discover Financial Services completing the application ), I was alerted to a hard inquiry from " DISCOVER FINANICAL '' by my Credit Monitoring company. After checking, a second hard inquiry from " DISCOVER FINANICAL '' appeared on my XXXX XXXX XXXX Credit Reports ; in addition to the hard inquiry from XXXX XX/XX/2021. I contacted Discover Financial Services multiple times via phone to have this resolved, and they maintain that they do not see the second hard inquiry and have refused to issue a correction to XXXX or XXXX. On XXXX XX/XX/2021, a, XXXX page written notice to correct was sent to Discover Financial Services at XXXX XXXX XXXX, XXXX, DE XXXX via certified mail. This notice is attached, and included complete credit files from XXXX, XXXX XXXX XXXX with the duplicate hard enquires tabbed and heighted for their review. On XXXX XX/XX/2021, Discover Financial Services responded to this notice with a letter stating that they do not see the duplicate inquiry and stated it may be from a promotional offer. This letter is attached. As of XXXX XX/XX/2021, There remains XXXX hard inquires from " DISCOVER FINANICAL '' from XXXX XX/XX/2021 & XXXX XX/XX/2021 on my XXXX XXXX XXXX credit reports, of which Discover Financial Services were provided direct, hard copies of in my written communication.
12/20/2015 Yes
  • Credit card
  • APR or interest rate
  • GA
  • 30102
Web
Attn : CFPB : I am a Discover Card holder and recently tried to pay a substantial amount on my bill. I tried to pay on the high interest rate amounts first, but was told that I could not allocate all the money to those totals and therefore I would continue to pay on these amounts with the high interest rates until I made several more payments due to the interest charges accruing each month from the unpaid balances. I am appalled that this company is trying to make an underhanded profit off the backs of hard working people like myself. I hope to completely pay off this bill by XXXX, but at this rate of Discover Card devious actions it may take longer than that. I am a product of the XXXX lay-offs and had to go back to school at XXXX and reinvent my career and become a XXXX. I hoped that this was a career with more opportunities and less chance of downsizing. I borrowed money from the card to pay my tuition and cashed in my XXXX and two years later I have a good job that I love. I am just starting to make a dent in the bills I have accrued. I do n't know if this is illegal on Discover Card 's part but it certainly rings of illicit criminal XXXX type of behavior in my eyes. I did complain to Discover Card 's complaint department and never received the call back that I was promised for a follow-up on my discord. I suppose that after complaining to you the ( CFPB ) that XXXX from Discover, will show up at my door and threaten to XXXX and demand full payment with interest immediately. All that aside I only wish to pay my bills and break this cycle of using credit. I am hoping that the CFPB will look into how Discover Card conducts their business and refine the modus operandi of how they gouge the public that unknowingly gets entangled in these unsavory business abuses of theirs. I realize that somewhere in the fine print of their lawyer 's jargon paperwork it probably mentioned this or ( not ), but I do n't have a law degree and in no way could I or the average person using their card would ever understand what was being said. My only option is bringing this to your attention and hoping for a change. I look forward to hearing from you soon and Thank You in advance for whatever you can do.
10/12/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • IA
  • 50265
Web
I mailed payment for my Discover credit card and they received it on XX/XX/XXXX and processed it the same day however i had post dated the check forXX/XX/XXXX when i called them about the fact that it had been withdrawn early they state by having the details of how they process checks on the back of the tear off portion of the statement that it absolves them of removing funds prior to the day written on the check. First off there the only indication there is information on the back is just above the perforation line and all that states is " see reverse for important information '', second there is nothing on the front state this policy of theirs to how they process checks, third i do not believe that by stating that they will " remove funds the day the same day they receive the check '' and that by sending a check i am allowing them to remove funds on the XXXX when I wrote the check for the XXXX. Quite frankly i 'm shocked that with as advanced as computers are that it is impossible nor is it time consuming given by their statement that the checks are processed electronically, that somewhere in the their " process '' that a date for the funds to be removed ca n't be added into the program. after all it would make sense for a worker to remove documents from envelope, look up account, scan in check and enter the date written on the check. if that is not how they wish to process checks mailed to them then i would prefer that they wrote specifically on the front. will not accept postdated checks as payment and if you wanted to schedule a payment you must go online or call to do so. by not having that on the front of the statement i find it a deceiving practice given over 90 percent would not look on the back of a statement, only look at what consumers believe to be relevant information to them which would be the amount owed, date due, min payment amount, ensuring that the charges if any are accurate and if included a credit score. Lastly i do n't understand how they can reconcile the fact the funds were removed prior to the date on the check and sense the check is not considered legal tender until the date of the check, that the transactions in question is in accordance with US law.
12/30/2015 Yes
  • Credit card
  • Billing disputes
  • IL
  • 60164
Web
I would like to amend my previous complaint [ Case number : XXXX ] to include recent facts. On XXXX XXXX I received a letter dated XXXX XXXX from Discover card. They said I had 10 days from the date on the letter to respond. They had determined that despite the evidence that the company was acting in bad faith and had in fact not supplied me with anything usable for my vehicle, they would return the complete amount to them. I asked for a supervisor, who told me the same thing. She was in Delaware. I called back and asked to speak with a supervisor again. This time she was in XXXX XXXX XXXX. She confirmed the same thing. In fact, she gave me an example. She said that if I ordered a couch, got it home and did n't like it, I 'd have to pay for the return costs. I explained that was not the case here. I was shipped a defective 'package ' that the seller wanted me to pay to return, both shipping and 20 % restocking fee. She reaffirmed that was correct. I gave her the example that I ordered a television set and what showed up was half of a toaster. She reaffirmed that I would still be liable for expenses because that 's what the purchase agreement was. I tried to explain that returning defective merchandise is not even close to " changing my mind about the color '', but she said they had rules and they would not consider anything else. I believe that Discover Card is acting in bad faith to my detriment. Because Discover Card determined in their letter to me ( dated XXXX XXXX ) on page XXXX that I would have to return the merchandise at my own expense or have my dispute resolved completely in favor of XXXX, I requested and received a RA # from the vendor and shipped the items out on XXXX XXXX at a cost of {$530.00}. Because this action deprived XXXX the opportunity to ship at their discounted rate, Discover Card should cover this expense. Also, since Discover Card will not complete their decision process until after my billing cycle, and my outstanding balance would be negative without this disputed charge, I want Discover Card to remove any interest or late payments charges incurred as part of this process. They should also remove any record of this late payment from my credit history.
07/26/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • NV
  • 89108
Web
Discover bank has consistently and fecklessly engaged in practices designed to deceive and defraud. They include the following. 1. Unrequested credit line increases! I have never once asked for a credit line increase yet I have received at least 5 from Discover over the years. I have received only 2 other in my lifetime and they were both from a credit card I have held since I was XXXX. 2. Unrequested credit rate decreases - although this appears altruistic on the behalf of Discover it is yet another cleverly designed way for Discover to defraud and deceive. These decreases are generally a fraction of a percent, yet they lock the balance in at that rate for life and future payments and applied disproportionately to new balances and your lower rate. The higher rate from your previous balance almost never goes down and stays at the higher rate. The only way to escape this NIGHTMARE is to pay off the entire balance which most people can not. 3. On Discover Personal Loans - their payment options are clearly designed to delay payments, confuse the customer obfuscate the true payment date. When you make a payment almost every other company in the world schedules the payment for that day, not Discover - they automatically schedule the payment for your due date, you have to manually enter a calendar and select a different due date. This causes payments to be delayed and Discover is able to collect more interest. Also they have a very very unique feature if you make an overpayment. You have to choose whether you want your overpayment to be applied to principal ( which does not lower your next payment ) or your can select to pay more on your next months total due. So, in this scenario you can either pay over and not reduce your next months bill, or you can make an overpayment and Discover will " Hold '' onto this until the next month, nevermind that you are still being charged interest. I have an impeccable credit score and have not a late payment in over 20 years until Discover Personal Loans came along and their system was able to confuse me long enough to make my first late payment in over 2 decades. Discover is perpetuating a fraud against the American public plain and simple.
10/16/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NM
  • 88012
Web Older American, Servicemember
Hello, At about XXXXXXXX XXXX on XX/XX/22 we purchased XXXX tickets online for an event from XXXX XXXX and the charge was made on our Discover Credit Card in the amount of {$160.00} ( {$75.00} per ticket plus service fees ) They sent Tickets for Friday the XXXX of XXXX, we ordered tickets for Saturday the XXXX. We notified them as soon as we saw the error at about XXXX XXXX on the XXXX and only received a computer generated message indicating the matter would be investigated. Before we purchased the tickets for the event we made hotel reservations and the reservation for the hotel was only able to be cancelled before XX/XX/22 at XXXX without a charge. We emailed the vendor again regarding the error early on the morning of the XXXX, text messaged them also and left XXXX voice mail messages stating that we needed to know by late afternoon of the XXXX that we would be receiving corrected tickets before we would be charged for the hotel reservation if we had to cancel. No response other than the notification regarding the investigation was ever received. We cancelled the hotel because we were in limbo when the deadline approached. XXXX sent corrected tickets on the XXXX XXXX hours after our free hotel cancellation deadline had expired and never communicated with us regarding whether or not the tickets dates would be corrected. When we tried to make a new hotel reservation after receiving the tickets for the correct date, there were no hotel rooms available. We asked that the purchase be cancelled and our credit card issued a credit. It has been declined and our dispute denied by Discover because they state the correction was made, although by that time we were unable to get a new hotel reservation. The XXXX charge was made immediately and yet it took XXXX hours to make a correction. If they had only communicated to let us know that we would get corrected tickets in time, this issue could have been avoided. But XXXX did not. We cancelled our Discover account but would like to be credited for the {$160.00} by the vendor XXXX XXXX. We have no outstanding balance other than the disputed amount. We also have {$14.00} XXXX Back owed to us by Discover. Respectfully, XXXX XXXX XXXX
05/28/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • LA
  • 704XX
Web Older American
Discover Card new in 2022 all bills paid out. In XXXX insurance on my primary home and rental came due had requested both companies for change due to XXXX premium increases. Time got short was asked to use credit card approx. amount around {$5000.00} for both was approved by Discover They would send email over limit. I called my bank was making XXXX payment to Discover which they required only {$800.00} but instead I paid out full amount. Then received email from XXXX for IRS info I call Discover about if this was a problem ok filled out IRS form Seems I didnt finish filling out so I called back a lady explained what happened the form was hard to read but we got it done. NEVER did either those whom I spoke with at Discover or XXXX inform me that my card would be discontinued. This was found out when I tried to use the card at a gas station. So I called Discover to find out what went wrong spoke to another personnel who was not very helpful so I requested the Supervisor XXXX XXXX she said that XXXX in my email that my account would be close til they finish with my investigation from the IRS. I have the email from XXXX and there is no where that it states my account would be closed and unable to use til further notice. This is not the first time a Credit Company has shut me down without any reason XXXX XXXX close my account when I had to evacuate from hurricane Ida. I'm on the Interstate with my sister whom has XXXX and XXXX and a XXXX ft travel trailer once I again has funds to get us home. I Did Not Have a problem with making payments or paying any of my bills to either of these companies and to do this kind business is unthinkable I'm XXXX yrs and care for a XXXX sister i cant even begin to express the shock and disbelief to have this unquestionable events to occur. This needs to stop they should be reprimanded. XXXX needs to be made responsible for their actions also. Let it be clear I requested to be tape in my conversations with Discover and I sent letters to XXXX and XXXX XXXX. I have now recent filed for a new credit card with my bank and have been approved. I will like to hear of a response and or any action that any occur as a result of this complaint. Regards XXXX XXXX
04/09/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 32533
Web
On XX/XX/XXXX at XXXX XXXX CST, I received an email from Discover telling me that they closed my credit account. I was confused and concerned. I was a Discover cardholder since XXXX and have never been late on a payment. On XX/XX/XXXX at XXXX XXXX CST, I called the number listed on the email to find out exactly why my account was closed and to try to get the decision reversed based on my length of account and perfect payment history. I spoke to a representative in Utah who told me that they closed my account due to non-use, which was the main factor. The last time I made a payment to pay my card off in full was XX/XX/XXXX, so it hadn't been used in 7 months. I pleaded with the representative and reminded them about my history with the bank and never missing a payment. The representative was apathetic and told me that they can't reverse the decision. I explained that there have been several periods during the last 12 years where I have gone much longer without any card use and never had this happen before. The representative would only say that their non-usage periods change. At the end of the call, the representative said that I could re-apply. This made no sense to me because I already was approved and had the account for 12 years plus it would drop my score for unnecessarily going through the entire process again. I have other credit cards with other companies and I have received notifications in advance about non-use and that I would need to use the card soon to avoid account closure. Discover should have done this, especially if the non-use period keeps changing. Discover has effectively wiped {$15000.00} worth of available credit which will tank my credit score for no good reason. We are in the middle of a pandemic and with the uncertainty of everything going, the last thing you want to do is close the account of a customer who was responsible with their credit and never missed a payment. All I am asking for is that my credit account and line be restored as it shouldn't have been closed. I also want Discover to do the responsible thing and notify customers when they are approaching their arbitrary non-use time limit which would avoid all of this in the first place.
11/28/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • VA
  • 221XX
Web
I have asked Discover bank for a dispute and explained to them that I am victim of fraud of cooperation of two Companies of XXXX XXXX and XXXX XXXX. But Discover bank after 2 weeks took it out of dispute with no explanation until I called them. Their reason was because it is aged.I also explained because of that fraud I am completely drained out of money, on top of that because of medical issues I am not able to work and and do not have income. They have come up with solutions that does not work for me and instead they have sent me letter, that they are going to increase the interest which will make my case even worst, I am already under a lot of pressure and sick and stressed out. for more explanation please see below : XXXX XXXX XXXX ( works ) with a crook XXXX XXXX company and acts as a fundamental customer funding tool, enabling XXXX to rip people off by providing credit cards to drain and pay to XXXX for easily trusting people like me. A year ago I trusted XXXX and purchased their program which I didn't have money to purchase. A team of 5 representatives from XXXX XXXX were present in the event to hunt people like me that have no money and provide them with credit cards to make them to buy XXXX 's programs and in return charge/gain almost {$4000.00} in commission. As a result of their partnership, I am under {$60000.00} of debt in credit cards that am not able to pay back and has resulted in bad credit for years to ruin my life ( which before this my credit score was XXXX ). Only because of false hope that we are going to make triple of this amount in a matter of short time of 2 months. At the moment, there is a legal case taking place against XXXX XXXX in federal court in Florida that is filed by hundreds of victims like me. The following link is a proof of it. ( XXXX ) XXXX XXXX was fully aware of the predatory nature of this company because they have been managing many of these events hand in hand nation-widely from before and carelessly cooperated with them to gain their lucrative commission. To me XXXX XXXX is as predatory as XXXX XXXX, because without XXXX XXXX, XXXX would have been powerless and would not be able to prey on innocent people who believed in them.
03/17/2017 Yes
  • Credit card
  • Billing disputes
  • NY
  • 10128
Web Servicemember
This complaint is in response to Consumer Financial Protection Bureau Case No. : XXXX Discover Financial did not complete their obligation regarding my fraud case, issued last year. I have submitted an updated complaint, as Discover Financial did not fulfill the obligation that they promised. Update to XXXX 's complaint : Discover card services did not credit all of the fraudulent charges on my account. As stated by the Discover representative, the company needed " additional time '' to take care of this case. I have been disputing this issue with discover since the fall of 2016. How does a credit card company get away with taking over a half of a year to take care of fraud charges on an account? Discover omitted fraud charges that I sent to their fax machine - XXXX and physical mail address : Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX Discover credit card company created barriers for me to correspond about the fraudulent charges, so I had to great length to communicate the fraud to Discover Card company. I have sent countless amounts of documentation, pertaining to the fraudulent charges, to the Discover Card fraud department. Discover needs to credit the remaining charges that I submitted to them. Just because representatives of Discover credit card company correspond to the CFPB, does not mean the issue has been addressed and it goes away. I will confirm the issue has been rectified upon receipt of the check totaling the correct amount of money, for the charges that have not been credited back to me. Please note that I have received confirmation letters from Discover, acknowledging that they have received correspondence form me regarding the fraud on my account as recently as XXXX and early XXXX, on top of the other fraud confirmation letters sent previously and that they are working on the situation. Discover credit card services needs to complete this fraud case immediately and upon receipt of the check I am owed, I will sign off that this issue has been taken care of. Publish this complaint publicly, on the CFPB website, so consumers can publicly view the fraudulent tactics Discover Financial Services considers business as usual.
07/07/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AZ
  • 86442
Web Servicemember
In early XXXX, my daughter called me and told me that my ex-husband had left and was not picking up his phone. I went and picked her up and we tried to find him. At that point, we received a 'XXXX ' note from him. In the note, he claimed that he had taken a loan out in my son 's name. We immediately filed both a missing person 's report with XXXX XXXX PD and a police report for identity theft against my ex-husband with XXXX XXXX, AZ PD. My son and I promptly checked our credit reports. My son found a loan for XXXX dollars from XXXX XXXX, and I found several credit cards under my name that were maxed out that I never knew about, and he neglected to mention when we divorced. I cancelled as many of the cards as I could ( because I was only an Authorized User ), but two of the companies ( Discover and XXXX XXXX ) have refused to even contact the police officer assigned to the case. XXXX XXXX, on the other hand, has cleared the loan from my son 's name, and they stayed in communication with the officer on the case. Discover was communicative with us up until recently. Last month, they asked us to mail and fax them a copy of the police report from the police station we filed it at. We mailed AND faxed them a copy. We called a few days later to confirm, but nobody could tell us anything. We checked in again, and now they are telling us that they never received it and they require us to go to the police, have the officer call them, and submit the report even though just a month ago they said otherwise. Moreover, Discover refuses to give us a copy of the transaction history. I have no way to access the transaction history of the card because I don't know any of the login information. I can not dispute the payments made on the card because they won't give me a copy. Discover has led us back and forth on this fraud claim even when we have tried to be diligent in our response. The court wants Discover to contact them but Discover has not done anything on the case. Please note that the account name XXXX be under a different name. My name before my marriage was XXXX XXXX. I am resubmitting this complaint because XXXX has not contacted me after I have attempted to call them on multiple
03/21/2016 Yes
  • Bank account or service
  • (CD) Certificate of deposit
  • Deposits and withdrawals
  • PA
  • 189XX
Web
I had a 12 months CD with Discover Bank with a Maturity Date of XXXX XXXX, XXXX. Discover Bank broke my CD, canceled my account on XXXX XXXX, XXXX and sent the funds to the Treasury of Pennsylvania in a escheatment process. Discover Bank did not send me any warning or notice of this action either before or after the fact and they took this action with out my consent. I would not have even found out this action took place if I did not call the bank on XXXX XXXX, XXXX because of the missing XXXX INT for this account for tax filing purposes. This 12 months CD automatically rolled over into a new 12 CD unless I told the bank otherwise during the grace period before the new 12 months CD started. I did receive a notice about this dated XXXX XXXX, XXXX. When I spoke with Discover Bank and found out about this action on XXXX XXXX, XXXX, I asked the bank to retrieve the funds from the Treasury of PA. Discover Bank told me that the funds have already been sent and is " out of their hands '' and that I should contact the Treasury of PA to get my funds back. I then called the Treasury of PA and they told me that the funds will not show up in their system until about 6 months time. The Treasury of PA then told me to call back Discover Bank and ask them to retrieve the funds because they were only recently sent. I called back Discover Bank on XXXX XXXX, XXXX and told them that the Treasury of PA suggested that they retrieve my funds back for from from the Treasury of PA. Discover Bank told my " they do n't do this '' because the laws are different in all XXXX states. Note, there is a form for financial institutions to retrieve customer funds from the Treasury of PA on the Treasury of PA 's website. But, Discover Bank was unwilling to do this for me. Discover Bank should not be allowed to offer CD 's that automatically roll over if they are going to confiscate the funds from such CD 's through the escheatment process. I feel cheated and I was cheated. The CD that I had with Discover Bank was in an interest baring account. And, now my funds from this CD have been sent to a non interest baring account at the Treasury of PA for possibly 6 months or more if I am able to get my funds back at all.
08/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29016
Web
Peace love and abundance. According to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information : a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. also 15 U.S. Code 1692c - Communication in connection with debt collection : ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. as well as the agencies not supposing to report on accounts older than 7 years of age. With this being said : All items being reported on my credit should be removed immediately! DEPT OF ED/ XXXX Date Opened : XX/XX/XXXX Amount : {$3100.00} DEPT OF ED/ XXXX Date Opened : XX/XX/XXXX Amount : {$5400.00} DISCOVER FINCL SVC LLC Date Opened : XX/XX/XXXX Amount : {$510.00} +
08/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • WA
  • 98208
Web
On XX/XX/2023, through USPS Registered Mail I sent Discover card a Payment. of {$18000.00} tracking number XXXX. On XX/XX/2023 Discover Card received my payment. via USPS registered mail tracking number XXXX. on XX/XX/2023 they posted my payment to the account and closed my account due to a reported fraud issue I had in XXXX. On XX/XX/XXXX I called after noticing my payment had been posted to my account and I had an available balance of XXXX but I was unable to use my card. Discover card then informed me that they closed my account due to reported fraud in XXXX. I was not aware that Discover Card closed my account. I asked them due to the current payment I made in the amount of {$18000.00}, I would like this addressed and either open my account back up and or send me my payment back to me via USPS delivery of my original payment method I had sent to them. Or they could send the payment back to my bank account currently on file. They opened a new account and informed me it would take 7-10 days to transfer the payment to my account. The {$18000.00} was never made available on my new account nor was it returned to me like I requested VIA-check sent through USPS. I have requested this multiple times for Discover Card to either return the physical payment that I sent to them or issue me a check for that amount and send it to my address on file. I still have not received my payment back nor have they credited my account. They continue to call me to try to receive more payments from me, even though I have explained this situation multiple times. DISCOVER CARDS Failure to honor, process and credit the intended account has caused loss injury and harm. An offer Of performance was tendered, in good faith as full satisfaction of the claim referenced herein, with the intent of extinguishing any alleged debt, duty, obligation, or liability. Itis their duty to honor this instrument, to know, abide by, and operate under the law, 18 USC 8 applies. The Note, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 ) ,3-104, 8-102 ( 9 ) ,9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), ( 64 ) .15 USC
08/03/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92612
Web Servicemember
DISCOVER FINANCIAL SERVICES IS MAKING ME LIABLE FOR CHARGES THAT WERE COMMITTED BY MY ROOMATE IN MY ABSENCE. I WAS NOT IN THE COUNTRY AT THE MOMENT WHEN THE CHARGES WERE MADE. I PROVIDED DISCOVER SUBSTANTIAL EVIDENCE TO PROVE THAT THE DEBT DOES NOT BELONG TO ME AND INDEED IT WAS DONE BY MY ROOMMATE AGAINST MY WILL OR ALLOWANCES. FOR THESE REPORTS I SWORE UNDER OATH THAT THE FORGOING IS CORRECT OR I CAN FACE CRIMINAL CHARGES. I WOULD NEVER LIE AND RISK MY PROFESSIONAL CAREER OVER BAD CREDIT OR FRAUD CREDIT CARD ACCOUNT. HAVING BAD CREDIT IS MUCH BETTER THAN BEING AN CRIMINAL AND NOT BEING ABLE TO WORK. AGAIN DISCOVER NEVER OBLIGED THAT MY DEBT WAS NOT DUE TO ME AND MY ROOMMATE HAS BEEN USING MY CARD FRAUDULENTLY FROM XXXX TO XX/XX/XXXX. I HAVE SEND DISCOVER FINANCIAL SERVICES NUMEROUS IDENTITY THEFT REPORTS, POLICE REPORTS AND EVERY-TIME I RECEIVE AN VAGUE RESPONSE THAT THE EVIDENCE IS NOT SUFFICIENT AND THEY REQUIRE MORE TO HELP ME WITH THE CASE. IN THE BEGINNING OF XXXX I FAXED OVER DISCOVER FINANCIAL SERVICES AN UPDATED POLICE REPORT FROM XXXX POLICE DEPARTMENT AND ALSO CALLED DISOVER FRAUD PROTECTION SERVICES AT XXXX. I WAS TOLD I WILL BE CONTACTED BY THE FRAUD INVESTIGATOR.I WAITED 2 WEEKS FOR THE REPORT TO BE UPDATED AND NOTHING OCCURRED. SO I CALLED BACK ON XX/XX/XXXX TO CONFIRM IF THEY HAVE RECEIVED THE NEW POLICE REPORT FROM XXXX POLICE DEPARTMENT AND ARREST REPORT BECAUSE MY ROOMATE WAS ARRESTED ON CRIMINAL CHARGES. AGAIN DISCOVER SAID THEY HAVE NOT RECIEVED THE FAXED DOCUMENTS, FOR WHICH I HAVE CONFIRMATION THAT IT WAS SENT TO THE RIGHT PHONE NUMBER. I FEEL LIKE DISCOVER FINANCIAL SERVICES IS BEING MANIPULATIVE AND NOT TRYING TO HELP. THIS IS CORPORATE GREED AND MAKING CUSTOMERS PAY EVEN THOUGH THEY HAVE BEEN VICTIM OF FRAUD. I SPOKE TO XXXX LAST TIME AND WAS TOLD TO FAX THE DOCUMENTS AGAIN, I TOLD HER " I DONT HAVE MONEY LEFT TO KEEP SENDING DOCUMENTS '' it does COST {$2.00} PER PAGE. DEAR FTC PLEASE HELP ME WITH THIS FRAUD CASE, DISCOVER IS NOT BEING COOPERATIVE AND THIER WORKERS ARE BEING MANIPULATIVE AGAINST ME. EVERY TIME I TRIED TO PROVIDE EVIDENCE, IT IS ALWAYS OVERLOOKED. PLEASE HELP ME I CAN NOT PAY FOR THIS FRAUD ACCOUNT, MY ROOMATE MADE THE CHARGES
10/24/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MI
  • 482XX
Web
I moved to DC for work for the better part of a year and foolishly neglected to cancel a subscription to a wine club, which charged me {$34.00} per month for XXXX bottles of wine, that I usually picked up in person from the retail location. Since it is in a suburb in which I don't live, I usually didn't go every month anyway, and they were OK with that, generally -- me picking up XXXX months at a time instead of every month. The store has now closed, however, even though they continue to send me e-mails ( as recently as 12 days ago ). I have tried repeatedly -- over the past XXXX years, probably a couple dozen times- to get in touch with the company, ranging from calling multiple listed phone numbers, to e-mail, to going to the physical location, to asking my friends and my wife to call them. For awhile, they were picking up the phone and saying they were open when they weren't. This ultimately wouldn't have been the end of the world, but I lost my job in the spring and was denied unemployment, so I am trying to cut back on spending on stuff like this. Especially when I don't even get the product I pay for. Of course, I requested that Discover Card dispute ALL of the transactions from the past 24 months, which they did, since I haven't picked up wine from them since early 2021. But they eventually found in favor of the merchant, because they said the merchant never responded to the claim, and that I had " failed to provide additional documentation. '' I never signed a contract or anything for this service, so the additional documentation that I would be required to provide is an insane notion. I have no clue what kind of documentation they'd want me to provide. If the merchant never responded, Discover 's position is that it's my word against their lack of a word, which suggests a unilateral siding with a party that appears to have reneged on a contractual agreement to provide a thing to me that they have failed to provide. This amounts to {$830.00} plus interest that I will NEVER see again. I have been robbed, and this company continues to enrich itself and its shareholders at the expense of my broke XXXX that can not afford groceries. Sincerely, XXXX XXXX XXXX
12/29/2015 Yes
  • Credit card
  • Credit line increase/decrease
  • TX
  • 76018
Web
Discover card decreased my credit line without my knowledge and before the full reporting cycle of TransUnion, the credit bureau, in which I was informed, by Discover Customer Service Rep, XXXX, on XXXX/XXXX/15, that Discover used to decrease my credit limit. I contacted Discover on XXXX/XXXX/15, after logging into my account and saw my available credit had tremendously decreased from an available amount of approximately {$1300.00} to {$200.00}, which was alarming because I had not used the card in weeks, since making a payment of {$1200.00} to the account. I was informed by XXXX that a credit card utilization review of my account had been completed, based on information from XXXX, and it was decided to decrease my limit from the {$5200.00} to {$4000.00}. Be advised, Discover, without my request or knowledge had just recently increased my credit limit to the {$5200.00} from the original limit of {$4500.00}. I contacted XXXX and was informed that the full cycle has not yet cycled on my report, as the lastest creditor reporting was XXXX/XXXX/15, which meant that said creditors may not report again, until after 30 days. I have consistently and timely, made my monthly payments, often times, more than the monthly payment amount, with this company. I do n't think it is fair to me, the consumer, who has been nothing, but exemplary in my payment history to have my credit limit, first increased, then decreased further than my original limit without any telephone contact, not the letter that I was informed I would be receiving, but to date have not. Had Discover taken the time to communicate with me, by phone, before making such a drastic decision that will further impact the same credit card utilization in which they are basing their decision, they would have been advised and provided proof, upon their request, that in XX/XX/XXXX, specifically XX/XX/2015, I paid off a {$6000.00}, credit line with XXXX XXXX, a {$7000.00} personal loan with XXXX XXXX, a {$500.00} line of credit with XXXX XXXX XXXX XXXX ( XXXX ), ( formerly XXXX XXXX XXXX XXXX ), a {$6000.00} personal loan with XXXX, paid off my credit cards with XXXX XXXX and XXXX, all, which have not yet reported for XX/XX/XXXX.
06/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • NV
  • 89123
Web
I let someone use my phone during a visitation and he utilized my XXXX XXXX to send himself funds he previously prior to this event. This person sent money owed to me in increments that month and then sent it back to himself without my knowledge. After unlocking my phone to allow him to use it during a visitation, XXXX XXXX was able to be utilized. I never fathomed having to use facial or additional security and have never had money stolen to even need these security measures. My account reflects the lack of outward funds to anybody for any amount higher than $ XXXX in all these years of being a discover bank customer. I also hardly use XXXX XXXX and only set it up to receive the payments he said he could only send via XXXX XXXX. This person has also not returned calls or inquiries about this transaction, and has proceeded to change his phone number ( the number the XXXX XXXX was sent XXXX ), and there is a police report for the phone in question ( he also stole the phone ) the day of this occurrence as other issues arose. This was an unauthorized transaction on my account I request it be disputed. I disputed the charge, Discover removed it, then decided it was authorized. I also do not deal with this person, and since the incident have a police report and a restraining order. There have been many incidents with this bank account with Discover before this that have questioned my thoughts of discrimination against me with my financial partnership with Discover Bank. They should also be investigated for their " maintenance '' for days at a time ; making account holders unable to access funds. This has caused us to be stranded, without food/gas at times with NO email/alert to let us know of scheduled maintenance. There has been a time I was almost evicted as they randomly decided to stop XXXX for certain accounts before a particular date. My employer could not pay me on time and I almost lost housing, A phone rep ( on a recorded call ) said they would rectify any fees I incur with my landlord for the issue they caused. They never rectified the issue. These are just a few, of many issues I've encountered, but don't seem to hear other account holders facing said issues.
12/23/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • OH
  • 44035
Web
I started dispute ( s ) on multiple transactions on my DISCOVER CARD starting back in XX/XX/2021. DISCOVER said they would look into the disputes and in the mean time credited me back the funds. 3 months later late XXXX DISCOVER CARD reverses all the credits they gave me and said I owed them with no proof or explanation sent to me. The entire time while these transactions were in dispute they reported inaccurate and invalid information to my consumer credit report reporting I owed a balance. I told DISCOVER employees that this was a violation of Title 15 U.S Code Chapter 41 1666 ( B ) and ( d ) Correction of Billing error by taking more than two billing cycles to finish the disputed transactions investigation, reporting to my consumer credit report the entire time incorrectly stating I owed a balance when in fact I disputed the transactions thus such negligence ruined my consumer credit report and once I brought up these violations they meaning DISCOVER stated I must provide verification or my DISCOVER account will be closed. Verification as in my Social Security Number. I make this complaint today on XX/XX/2021 due to the fact they are still committing this fraud, illegal activity willfully and knowingly. XXXX from the executive department has received my complaint, emailed me but somehow after all this time I owe them a new balance when my account has been frozen for almost two months. I was owed {$240.00} proof in the attachments, now they balance transferred who knows what and now I allegedly owe them money. This is Non sense. If this persist I will be seeking legal council for legal suit for Civil liability pursuant to 15 U.S Code 1640 and Criminal liability for willful and knowing violations. As demanded in my last CFPB report I want my {$240.00} owed to me back, I demand my security deposit you illegally took back which is {$300.00}, and I demand {$6000.00} in compensation for violating my consumer rights, wasting my time, stressing me out, and not taking the matter serious and all the illegal activity you have committed like freezing my account, sending me letters demanding my Social Security Account Number and stating if I do not you will close MY account.
11/09/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • WA
  • 98058
Web Older American
The issue is that Discover Bank 's systems do not work and have me locked out of all my accounts. I moved and do not own a cell phone. I had to get a new landline phone number when I moved. When signing into Discover Bank website they send a code via phone but do not have my new number. I phone the bank to give them my new information. I followed their instructions exactly : I printed out their webpage ID verification form, went to a notary, filled it out and got it notarized. ( file attached ) On XX/XX/XXXX I uploaded the form on Discover 's upload page which said upload was successful and received an email verification of the upload. ( File attached ) They told me it would take about XXXX days, to call them then. I phoned and they could not find my form even though I gave them the confirm # that is in the email. ( XXXX ) They told me to upload it again, which I did twice more each time their page said upload successful but I never got an email confirmation for either of them. I called and they could not find either one. They still could not find any of the uploads XXXX days later and told me to take it somewhere I could fax it to them. I faxed it from the library on XX/XX/XXXX and received an email verification of that transmission. ( File attached ) They told me that they received faxes immediately and I could call to verify they had received it. I phoned them but they said their fax system was down. I checked again before closing time and it was still not functioning. I phoned the next day, XX/XX/XXXX and they said they have it and I could phone before closing time to check if it was processed. I phone back and they said they couldn't find it. I phoned again on XX/XX/XXXX around XXXX EST and they said they are working on it, but it still is not processed. Meanwhile they have automatically renewed a CD I did not want renewed and they said they could not change that until my ID is verified. I asked to speak to someone who has some authority there to handle such problems, but they did not provide anyone. My old phone that is still on the account was ( XXXX ) XXXX. My new phone is ( XXXX ) XXXX which they need to put into my account so that I can sign in.
03/10/2019 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • PA
  • 19114
Web
I have two loans under the same student account with Discover Student Loans. Loan A initially was for {$2000.00}, the second loan, Loan B, was initially for {$10000.00}. I have been repaying these loans + interest since I graduated in XXXX. On XX/XX/XXXX I made a payment of {$15000.00} to both of these loans. This amount should have almost entirely paid off both of these loans. On XX/XX/XXXX the full amount of {$15000.00} was debited from my checking account. On XX/XX/XXXX when checking my Discover Student Loans account I did not see my payment of {$15000.00} reflected on either of my loans. I contacted Discover Student Loans customer support and was told to " wait 3 business days to see the payment reflected. '' On XX/XX/XXXX I saw that my payment was still not reflected on my student loan account. I contacted Discover Student Loans and was told they needed to investigate and it would " take several weeks. '' This payment was made from the same bank account it has been made from for the past several years, by the same person, to the same student loans. Discover Student Loans will not give me a case number for this " investigation. '' When I told Discover Student Loans that these 2 loans are continuing to accrue interest and a payment will be due next month because they are not reflecting my payment and that these loans should be paid off they were unhelpful and repeated they needed several weeks to investigate. When I asked to speak to a supervisor they said that was not possible. They do not care that a payment will be due next month, but if I do not pay I'm sure they will not hesitate to report my payment at delinquent and damage my credit score. Discover Student Loans received by payment of {$15000.00} on XX/XX/XXXX and is refusing to give me an investigation case # about my account not reflecting this large payment. I have no way to verify an investigation is even happening. The full loan balance is still being reported to credit agencies. Discover Student Loans customer service has been entirely unhelpful. I feel like I have nothing to show for my {$15000.00} payment, which should have almost entirely paid off my 2 student loans with Discover Student Loans.
06/24/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • SC
  • 29526
Web
I am a victim of identity left for the past 1 year and a half, There have been numerous fraud charges and credit card accounts opened under my name without my permission. To make matters worse I have lost my wallet at a local gas station around XXXX of this year and everything in my wallet were gone. All of my IDs and my credit cards have been compromised, including my phone. Recently I have noticed there are numerous charges under many credit cards that I own and I've reported to my credit card companies promptly. Most have already issued a refund or provisional credit but the credit card company I'm having an issue with is XXXX. They have declined my request to pursue refunds against a company that I have not done business with. There is an on-going identify theft alert in my name with FTC. Ive also put a year fraud alert with credit companies for this entire year. Please re-open an investigation for this fraud case on my behalf. Furthermore, I have also enclosed a police report for the illegitimate charges as well circumstances that have caused the identify theft in the first place. I contacted the merchant directly and they have informed me some details. - IP address they have provided does not match my actual location or my IP address. - My legal/real name is XXXX XXXX XXXX NOT XXXX XXXX or any other names they have claimed the card was used under. - The email address those purchases were made under were not under XXXX and thus I have no access to them or know anything about them. - The pattern of those charges were inconsistent comparing to my purchase history with XXXX, I would and never have purchases anything in this amount within a short period of time. - Lastly, according to the merchant rules and guidelines competitors are NOT able to vote for themselves, so those charge can not have been under my account anyway and advise me to contact my bank to dispute it as fraud. - I have moved away from XXXX, WV XXXX since XX/XX/2023. I have returned to visit friends and family in XXXX but currently I reside in SC. I have not had the chance to update my mailing address because I've been dealing with all the fraud charges that occurred on all of my credit cards.
09/13/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • NJ
  • 08816
Web Older American
I XXXX XXXX called into my discover card for an inquiry about if my son in law who is/was my managed user went through id-theft and paid the debt from XXXX XXXXXXXX with a XXXX who would be responsible to write or pay it off. Generically, I answered my own question and told them that it was just a inquiry and not to dispute anything. However, the agent decided to dispute XXXX XXXX and got 2 of my son in laws cards closed because they thought we disputed it even though we wrote a letter and signed it with our ids and statements stating these are valid and not to take further action, with that said they didnt listen and to this day months later when we did the XXXX in XXXX and they decided to dispute it on there own accord after my inquiry we were not able to have it undone despite the letters stating we withdrew all of the disputes and they would return the money to the proper institutions. This was never done to this day they keep saying we owe them money and the institution they took it from at the same time without anyones consent to dispute the claims. We called countless times and talked and emailed executives with no luck about this card and we are suffering massive credit harm from what they did and massive balances on these cards that were paid off. My son in law runs a business and cant produce what he needs because both of our credits were destroyed by there negligence and they are refusing to return the money and give us a letter of bank error so we could fix our credit. Everytime I call in there is no answers and they will not undo the disputes and send random letters such as now Im not responsible for the debt one week to being held responsible to still having to pay both institutions and everyone is suffering my wife is XXXX on XXXX and I can not downsize my home because my credit has been ruined and they will not fix it or respond no matter what I do or send them. I have documentation and letters of this confusing mess when all that had to be down was withdrawn and return the money to all institutions. Discover credit card has ruined my life and my son in laws with no remorse. We called every week for the past 2months and are fed up and need help
10/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75002
Web
Discover has known that I was a victim of identity theft, for many months. Discover instead of reporting the fraudulent application on the card they are claiming to continue to report to the credit bureaus which is fraudulent. Continues to close and create a new card number for this fraudulent account. They have done this 5 Different times now. This account is fraudulent, I do not care who they talked to. They attempted to try to dispute this account as Transnational fraud. When In fact the WHOLE ACCOUNT IS FRAUD. They called each merchant, and then lied to me. They told me they also spoke to Law Enforcement, but yet couldn't provide me with any contact details and they continually accuse me of opening the account, when I have never worked at XXXX XXXX, and I have never opened this account. I did not use this account, This was opened from an Identity Thief. Discover doesn't close the account due to identity theft instead they continually generate a new card number, and send it back to the credit bureaus. This account is fraudulent. I want this account removed from my credit reports as I did not authorize this account. You sent the card to a fraudulent address I have never lived at WHICH YOU CONFIRMED, on the phone to me that you sent the card out to a XXXX XXXX Address. That Address was blocked on my credit reports as fraudulent. I never received any card for this account. Therefore the account is fraudulent. This is not transaction fraud this is APPLICATION FRAUD. CARD FRAUD. IDENTITY THEFT. I will be getting my attorney involved if discover does not follow the proper laws to delete this fraudulent account, that I am not liable for because the bank account that was linked to it was also closed due to identity theft, and I have provided them with all this documentation including my affidavit which is attached below, and discover continues to fraudulently report this fraudulent account. They are not abiding by the FCRA Laws for Victims of Identity theft. Account # XXXX XXXX {$4600.00} Date Opened reported XX/XX/XXXX. Reported Closed XX/XX/XXXX with a new account number again. 5th Time they generate a new account number instead of closing the fraudulent account.
08/13/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • NV
  • XXXXX
Web
REFERRING BACK TO CASE NUMBER # XXXX They charged me {$1400.00} in sole interest for the months of XX/XX/XXXX thru XX/XX/XXXX. They applied all the payments i made from XXXX XXXX towards 100 % interest. They claim I have accrued interest from XX/XX/XXXX thru XX/XX/XXXX but fail to send me the proper documentation proving that. I called on XX/XX/XXXX XXXX and asked one of the senior advisors to send me supporting documentation or at least a contract. They said they would send me my contract and never did. I also recorded another representative claiming there was something wrong with my account and said that i should not have been paying that much interest. They also fail to provide receipt or a breakdown of interest for the months they claiming i owe {$1400.00} of interest. When I called complaining about this situation they said that the next month my principal balance would go down. This seems as if they screwed up and now their trying to fix it but since payments have already been processed they are trying to cover it up with supposedly accumulated interest. Their system says accumulated interest but they can't breakdown the interest in paper from the months of XXXX XXXX from which months they claim. They fail to provide the necessary documentation to prove I was accumulating interest from the months of XXXX-XXXX of XXXX. It is mathematically incorrect. If we calculate the interest from XXXX thru XXXX I would be paying approx {$220.00} in interest every month. Thats about {$660.00} in interest. That number still does not equate to {$1400.00}. Also my late fees were reimbursed from restructuring my account. Even if we charged interest on top of interest which im not sure if that is even legal, it still does not equate to {$1400.00}. In the letter it stated from AS OF XX/XX/XXXX MY INTEREST RATE WILL BE 5 %. Again, I am asking for a breakdown which your call center could not provide. I am asking for a breakdown of interest with numbers and supporting documents stating i am paying {$1400.00} in interest. I'm 100 % certain discover is committing white collar theft because of a screw up and will be pursuing legal action if nothing is satisfied.
03/20/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • OR
  • 97128
Web
A company called XXXX XXXX with an employee named XXXX XXXX are attempting to collect a debt against myself which has exceeded the statutes of limitation, on an account from discover card that dates back to XXXX with the last transaction date of XXXX when I was living in Missouri. XXXX XXXX and the staff at XXXX XXXX have been using harassment tactics over the phone, to include screaming at me over the phone, refusing to provide legal documents of proof in writing of the debt, threatening tactics of lawsuits without actions or causes. I offered to make a settlement to stop the collection calls and because I have very little information on this account I would like more information in writing. XXXX XXXX then raised his voice and starting telling me that the offer I made was rude and starting telling how I should behave at which my heart started beating. I told him that the Statute of Limitations they were threatening to sue me over were exceeded ( they stated the last account activity was XXXX ) and had been exceeded. I then explained that I had just had XXXX and was not working and I was unable to pay the full settlement amount they were asking for of {$2000.00}. I asked if he could settle for a less amount to stop the collection calls and I was told no that they had decided to go ahead and take me to court because he could file a Tolling agreement. I asked on which date he was going to take me to court and he said the XXXX. I asked him on what month the XXXX and he told me to stop changing the subject and would not give me the date. He then said he was going to garnish my wages and get a lien/levy against my house. I asked him to send all of his correspondences in writing from now on and he stated that he would not send me anything in writing. He also stated that I had enough credit available to pay the alleged debt in full. I asked him if I could record the conversation because he was yelling at me and he said No that any lawyer in his right mind would not allow some one to record them. At the beginning of the conversation He did ask if I had an attorney present and I stated no that is when he raised his voice and started telling me about how I should act.
01/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CO
  • 802XX
Web
My college loans have been duplicated on my credit report, all three major reporting agencies have the same wrong data. I have spent over 20 hours on the phone with Discover Student loans in the past two weeks. The lack of customer service is simply appalling. I have talked with 5 different supervisors. All state the error is on Discovers end. My balance to the loans is currently XXXX. In XX/XX/XXXX Discover is stating they issued new identification numbers to their loans for ease of access to the consumer. With whatever changes they made they are now showing my total balance due on credit agencies to XXXX. XXXX. When contacting discover they first blamed XXXX for duplicating the information to all three reporting agencies. I had an open dispute with all three agencies, to which a representative from each agency stated to have discover contact them directly with the loan balance. Here comes my frustration. 3 separate Supervisors, XXXX, XXXX, and XXXX all stated it is not in their prerogative to initiate a contact with the agencies including my open dispute case number. This would be as simple to send the updated information to the agencies, but from what I can tell they are too busy covering their tracks rather than owning up to the discrepancy. They have stated they have sent the information to all three agencies, but to date all agencies state they have not received anything from discover. I call Discover to talk to someone above a supervisor and they said that would be redundant. Redundant to fix a clerical issue of almost 100k?! I am in the process of procuring a mortgage, this incorrect information has dropped my credit 100 points. Discover has sent myself updated loan information that is correct, and states they have contacted the credit agencies but offer no proof of such contact. I am in desperate need of assistance and am contacting you folks before I contact an attorney to see what rights I have as a consumer to take action against Discover. I understand accidents happen but I am appalled that with a company who purchased my loans from XXXX, I am stuck doing business with what feels like a criminal organization. Please advise of steps I may take.
10/06/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 92618
Web
I originally had a recurring monthly charge ( charged in advance of services provided ) by XXXX XXXX to my Discover Card, for which the amount increased without explanation. I could not find a customer service phone number to inquire about the increase. I called Discover Card and they provided me with an XXXX number for the merchant. When I called that XXXX phone number I was placed on hold for XXXX hour and XXXX minutes without anyone coming on the line or even an update on wait status ; I finally gave up and hung up. I called Discover card back on XX/XX/2023 to tell them that I could not reasonably reach a representative to find out about the increase and to cancel my account. I said I wanted to cancel my account since I could not resolve the issued. The Discover Card Rep ( XXXX in XXXX ) asked if I wanted a stop payment on future charges by the merchant and I said yes ( middle of the call ), and she also indicated they would submit a dispute to the merchant for the previous charge ( end of call ). Seven days later ( XX/XX/XXXX ), another charge ( {$79.00} ) was made by XXXX, with another increase in the amount. Discover Card declined my disputes with the merchant, even after I submitted evidence of my efforts to talk to a customer service representative at XXXX, without response. As a result, I ended up closing my account with Discover Card to prevent future charges, after 35 years of being their customer. I paid the final payment of my balance, including the initially disputed charge by XXXX, but did not pay the following charge for {$79.00} because of Discover Card 's failure to stop the XX/XX/XXXX charge of {$79.00} as I had said I wanted done on the call with the Discover Card Representative on XX/XX/XXXX. I called Discover Card today and they still refuse to reverse/charge back the {$79.00} charge and the interest charge ( even though the amount is in dispute ). I asked them to listen to the recording of the call from XX/XX/XXXX but they just transferred me to XXXX different people instead and gave excuses why they are not responsible for their failure to properly prevent via stop payment ( or charge back to the merchant ) the XX/XX/XXXX charge.
07/25/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MA
  • 023XX
Web
On XX/XX/XXXX, we paid {$610.00} for a sailboat charter with XXXX of XXXX XXXX that we were taking during a trip in XXXX of XXXX in Florida. That trip never happened due to COVID. At the time, the company said they were really struggling due to all the cancelations and gave us a voucher to come back again. We were hopeful that we could make it, but when it became obvious that we simply would not make it back to Florida, and that we really needed that money back, I emailed the company to ask for a refund. The owner emailed me back and said " I will get with XXXX and see what we can work out. '' This was the last I heard from him. He did not reply to any emails through XXXX, regular email, and never answered the phone when I called. I filed a dispute with Discover on XX/XX/XXXX. They reversed the charge while they investigated. On XX/XX/XXXX, they closed my case and did not honor the dispute. I recieved an email saying : We've investigated your disputed transaction and have considered all documentation available to us. We were unable to settle the matter in your favor and now consider the charge to be valid. This means we've closed our investigation, we will reverse the temporary credit on your account, and we'll apply the charge to your statement. When I called to ask why they did not find in favor of me, they said the company did not respond to their request for documents and for their side of the case. They did not answer any calls or respond in any way. It seems that a company simply just has to not respond and Discover will find in their favor. I have been a Discover customer since XXXX over 20 years. There was no consideration for me at all, they just said that since the company did not respond, they can not find in my favor. I understand it needs to be a process, but this does not seem fair. I am the owner of a small business and sometimes we get credit card disputes, but we always have to respond. There needs to be some protection for the consumer and the business. Please see attached numerous emails sent to XXXXXXXX XXXX XXXX XXXX with no response. I know they are still operating as I can see this on XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX
09/24/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MA
  • 01702
Web
recieved a call from a man claiming to be from Discover Bank 's Fraud Detection Dept regarding two charges that were made on my account that they flagged as fraudulent due to the billing address that was used for these purchases being in a state that is across the country from where I live. I asked him to verify that he is from Discover and he told me to look at the back of my debit card and verify that the customer service phone number listed on my card is the same number that he was calling from. It was. The number that came up on caller ID when he called was XXXX which is the main customer service number for Discover Bank. He then told me that he wanted to cancel my existing debit card and have a replacement card expedited to me ASAP. He asked me for the last 8 digits of my card number, the exp date, security code and for the number on the card that starts with an X-. I was XXXX enough to believe him, and provided my card information. He then told me that ne needed to send me a one time code to verify my account ( which Discover ALWAYS does ). I got the text message and gave him the code ( without reading the entire text ). Then he asked me for my SSN and I immediately hung up and called Discover to report the call and report probable fraudulent activity. The text message that I received that included the verification code that I GAVE TO HIM read as follows : " Please enter code XXXXXX to use your Discover debit card in XXXX XXXXy. If you did not request this code, please call us at XXXX. '' How stupid am I for not even noticing that before I gave him the code. The guy proceeded to call me back 8 times, repeatedly while I was on the phone with the ACTUAL Discover fraud without leaving a voicemail once. I also called XXXX to have them remove my card from any payment activity through XXXX XXXX. I was sceptical about the call because I've never gotten a call like that from Discover before, but obviously not skeptical enough to not give him my bank account information without much hesitation. It's unnerving how legitimate this call seemed until he asked me for my full social... .but by that point, he had all of my checking account info. Don't fall for this.
04/07/2016 Yes
  • Credit card
  • Forbearance / Workout plans
  • FL
  • 33062
Web Older American
In XXXX XXXX, I had a XXXX XXXX. Subsequently, in XXXX XXXX my business failed. I had a large number of credit cards. and all worked-out five year repayment arrangements except my Discover business credit card, on which I subsequently defaulted. I was told that Discover would not work out repayment until it became a " charge-off. '' I am writing to DISPUTE the manner in which XXXX, XXXX and XXXX are reporting the " Charge-Off '' by Discover Card. I have been making payments of {$200.00} per month since XXXX XXXX -- - nearly THREE YEARS. Yet it appears that it is being reported and scored basically the same as if I was making no payments at all during this time period. There is something inherently unfair in the manner in which XXXX, XXXX and XXXX are reporting, and scoring, this debt. The failure by the credit reporting agencies to report my monthly payments, and adjust my credit score to reflect my good faith efforts to repay this debt, is a VIOLATION OF THE FAIR CREDIT REPORTING ACT, as the information which these agencies do choose to utilize is both inaccurate and incomplete under the meaning of FCRA. I am being substantially harmed by this greatly inflated negative information on my credit report. In Florida, where I live, credit scores are used by condo associations to EXCLUDE buyers from purchasing condos. I can not find an affordable place to live because of this negative information and its effect on my credit scores. I do understand why Discover chooses to report in this manner, as it provides them leverage to attempt to accelerate repayment arrangements. I know this because Discover has contacted me repeatedly to pay more so my credit report will improve. But my making monthly payments for almost three years is not equivalent to a " charge-off '' where the creditor has given-up the expectation of any repayment. And, therefore, XXXX XXXX and XXXX reporting is both inaccurate and incomplete. The {$200.00} monthly payments to Discover Card per my written agreement with Discover Card should be reported the same as monthly payments for any other credit card. Once I began monthly payments, this debt to Discover Card was no longer " charged-off. ''
11/21/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • WA
  • 99352
Web Servicemember
I have attached my last three billing statement to support my claim with dates. I am making payments well above my previous bill and yet Discover is still applying a purchase APR of 12.99 % to a portion of my purchases. This only works if Discover is paying down my current not yet billed purchases. I do not believe what Discover is doing is legal. Taking extra payments and applying it to unbilled purchases instead of towards previously billed purchases and towards existing balance transfer. Example ( XX/XX/2018 ) : Previous purchases billed XXXX dollars Current unbilled purchases XXXX dollars Balance Transfer balance XXXX dollars ( 4 % APR ) Total payment XXXX dollars The XXXX dollar payment covered about XXXX dollars more than what I was billed from previous purchases. Instead of the balance transfer being down to approximately XXXX dollars after the additional payment, Discover is stating that the current balance transfer is XXXX dollars ( subject to 4 % APR ) and is then charging me 12.99 % APR on XXXX dollars of unpaid purchases. Discovers practice should be investigated, as it is deceitful and unclear. I called Discover XX/XX/2018 and informed them of the issue. They basically said that is just how they do their calculation however, they did not provide me with anything specific about my account, just generic rules they have. After I told them I was going to file a complaint with XXXX and CFPB they offered to give 0 % on future purchases and I declined. My concern is that they are doing this to other people who are struggling financially and this practice is in place to keep people in debt. As for myself I told them I will not be making future purchases with my discover card for awhile and I plan on paying off my bill completely in the next couple of months. Additional History : Note : The original balance transfer was XXXX dollars. Example of month before ( XX/XX/2018 ) : Previous purchases billed XXXX dollars Current unbilled purchases XXXX dollars Balance Transfer balance XXXX dollars ( 4 % APR ) Total payment XXXX dollars Balance transfer should have been paid down to XXXX dollars with the additional payment of XXXX dollars.
09/24/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 94520
Web
Problem : I spoke with Discover on or around XX/XX/XXXX and advised I was sending an over night payment and need their address for such. I advised them I was going to be traveling that Friday and needed my funds on my card immediately, I was then advised as long as my payment was rcvd before XXXX XXXX EST it would process that night and be available next morning by XXXX, that didnt happen, so I contacted customer service and spoke to a rep and a manager named XXXX out of Ohio, I explained the urgency of my payment needing to post because I was headed to airport and when I arrive to my destination I would need a rental, I provided her my USPS tracking number, XXXX, she looked it up and said they rcvd my package at XXXX XXXX on the XXXX, she then tried reaching her batching dept with no success, she then advised that the company could do an manual authorization when I reached rental car company only if the location can do manual authorizations, so I immediately called Discover when I arrived as instructed and got their AZ location and spoke with another manager and advised him of my situation and what previous manager advised me to do, he stated there were no notes regarding that conversation and it only stated my previous call was only about payment, he then placed me on hold and checked with his billing dept, they said no payment pending, so he advised he could not push a manual authorization thru unless pmt was pending, I was left for dead at this point. So now 4 days have passed, its XX/XX/XXXX and after 5 calls to managers, no one has located my payment, although it was clearly received by their organization and not processed. We are now stuck having to pay friends and family back, for hotel and car charges while traveling, since all my money was sent to Discover for our travel cost and Discover advised me they have no policy to locate a lost overnight package.they cant even contact their mailroom. No one took initiative to resolve my problem and my money is just lost within their organization, no follow up from management or since of urgency from Discover. Managers where horrible, never actively listened to my situation nor notated account properly.
12/09/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OH
  • 44134
Web
on XX/XX/22 I booked adventure trip to XXXX with XXXX XXXX. They used a XXXX part XXXX XXXX XXXX, I paid via Discover Card XXXX and on XX/XX/22, 3 days prior to departure, XXXX XXXX told us XXXX XXXX didnt pay them, or the travel agents, hotel, food nothing so we could not go on the trip. I immediately filed dispute as did my XXXX traveling friends all XXXX of them won disputes with their credit cards, I am the only one that lost dispute. I submitted the same docs plus additional Discover never told me I lost dispute, I noticed the charge was put back on my card, so I called them, nothing was listed online, they never notified me. They said I lost because I didnt provide sufficient evidence. The merchant XXXX XXXX XXXX provided ZERO documents to Discover yet they won dispute. I asked what is needed for dispute, agent stated " proof refund is due '', I said that is impossible to get, XXXX XXXX XXXX wont reply to emailed calls or snail mail. But I got a letter stating such from XXXX XXXX, still lost dispute stating insufficient evidence, I asked what is needed again, they would not reply and will not tell me only that dispute closed and I lost dispute. I am the only of XXXX that lost dispute everyone was refunded their travel money. It is like buying a shirt online and if you dont get the shirt, company doesnt exist, you get money back, why wont discover pay me I paid for a trip they didnt provide a trip. They knew they were going out of business at the time they accepted my money. I am exhausted and have been fighting every day for refund since XXXX. Discover is wrong here they are to protect me and my purchases from scammers. I dont file disputes unless I know I am right, I am extremely right here, even Discover agents on the phone tell me they can not believe this loss because XXXX XXXX XXXX did not provide any documentation that they provided any service they submitted XXXX documentation. Dispute Number XXXX. My Discover card has been compromised TWICE since this trip, so I provided the card number that was charged. It is all the same account, mine, just the card numbers have changed twice. Should not pose an issue but I included my dispute number too
10/16/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 95630
Web
In XXXX, Discover Card Services hired the Law Firm of XXXXXXXX XXXX XXXXXXXX to file a lawsuit against me for an outstanding credit card debt. I was not aware of this debt or of the court filing nor was I ever served. The law firm presented documentation to the court that I was served and a default judgement was granted. In XXXX, my wages were garnished and became aware of this judgement. At that time, I contacted the law firm who was uncooperative and refused to provide any additional information. As recommended by the Sherriff 's office, I filed a Claim of Exemption in which XXXX XXXX XXXX did not respond. In XXXX, I became aware that an extension was granted to extend the original judgement. Again, I was not served and did not have knowledge of this filing. I immediately filed a Motion to Vacate that judgement, however, at the hearing, the judge made a pre hearing decision to deny my motion. I again, contacted Discover Card 's attorney for proof of this debt but they refused to provide that information. I then contacted Discover Card Services directly and requested proof that this debt belonged to me and that is was a valid debt. I advised Discover Card that I had a credit card with their company that was opened in XXXX but has long been closed. The judgement was against a card in my old married name and was ( per Discover Card ) opened in XXXX. Discover Card advised me that they would open an investigation for fraud and advise me of their decision within 90 days. On XX/XX/XXXX, I received a letter from Discover Card stating that the debt was valid. " Our records reflect that the account was opened in XX/XX/XXXX. The account was applied for via the internet, and a name, address, and social security number were provided so that we could process the application. '' Discover Card also advised that have not sold this debt. On XX/XX/XXXX I sent a reply via XXXX Mail requesting proof that this debt belongs to me and as the original creditor that they instruct XXXX XXXX XXXX to provide proof that this debt belongs to me. The file has remained open since the original court filing and should contain proof of debt. Discover Card has not responded to my request.
02/08/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NY
  • 11050
Web
Hello, My complaint is regarding Discover credit. I have been a Discover customer since XX/XX/XXXX and my account has always been in good standing. The past year dealing with the COVID-19 pandemic has proved to be difficult for my family. One of main things we have relied on during this time of uncertainty and unexpectedness was my Discover line of credit. My credit limit, continues to be lowered without my notification after 'reviews ' are done my account which I could have opted out of. I was not made aware that I could opt of these auto-reviews until today. I recently made a significant payment on my Discover account on XX/XX/XXXX of {$7000.00} and plan to do again in a couple of months. In the meantime, since then, my credit line was decreased to below $ 10k and then increased a couple hundred dollar in XX/XX/XXXX to {$10000.00}. In the past my credit line was {$13000.00}. This lowering of my credit line has brought my credit score down as which is very frustrating and makes it impossible to have this reversed in my time of need during COVID. All I am asking of Discover is to give me the respect of re-establishing my credit line to $ XXXX $ XXXX which is completely fair given my payment history. at the VERY least, I am asking that my credit line be returned to $ XXXX which is what it was a couple of months ago. It is disheartening that this company if making it so difficult to make this change for me. I was on the phone today, Monday XX/XX/XXXX, during my work day for an hour and was transferred between three different departments. The last department I was transferred to a gentleman named 'XXXX ' who is an account review analyst, not even a manager, and he was the least helpful of all. I have no other resource than to report my experience here. I vow to end my credit relationship with Discover as soon as we are able to do so and fully recover from this pandemic. All I have asked is during this time of COVID that Discover not lower my credit line especially after I went through this with them this past XXXX at the beginning of the pandemic. Thank you very much for your time and consideration with this matter. Sincerely a frustrated customer, XXXX
03/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92571
Web
On XX/XX/2020 I sent written communication to DISCOVER dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account number XXXXXXXX. On XX/XX/20202020 I sent written communication to DISCOVER dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national credit reporting agencies on account number XXXXXXXX. These requests were made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. I received written communication from DISCOVER. They did NOT meet the requirements of FCRA 623/FACTA 312. Instead, they sent me statements dated XX/XX/2020 ( from my dispute with XXXX about verification of account per FCRA ) and XX/XX/2020. These statements were preceded by letters dated XX/XX/2020 and XX/XX/2020 ( I am attaching them to this complaint ). I made a request for them to substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing DISCOVER communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires DISCOVER to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. DISCOVER provided none of the above. DISCOVER continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. DISCOVER has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. Furthermore, I received written communication from DISCOVER that they will not change the UNVERIFIED, INACCURATE, and IMCOMPLETE information they are reporting to the national credit reporting agencies ( XXXX, XXXX, XXXX, and XXXX ). They are continuing to violate FCRA and conduct illegal practices. The above illegalities were committed via USPS mail.
06/04/2020 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • NJ
  • 08028
Web
I had a student loan from XXXX XXXX which eventually converted over to Discovered student loans. This loan was co-signed by my mother who went into bankruptcy several years ago. For a while, she was making payment until going into bankruptcy. After she filed, I stopped receiving invoices, bills, or any correspondence from Discover. I was not told about the bankruptcy and the loan disappeared from the credit score and this all began. I researched and found out I was not responsible for paying the loan 'during ' the bankruptcy period. Meanwhile, I began to get contacted again ( this was well over a year ago ) by discover threatening to send my account to collections and my information to the credit bureaus for not having paid the loan. I called Discover when I received this notice and reviewing my account online. Out of the total $ XXXX balance, they listed that I owed over {$1000.00}. I advised them I am happy to make a payment however I need to receive a statement or invoice. They refused and demanded I pay the $ 1000+ or the full balance. I reminded them that I need a statement because I think there payment schedule is in error. They were nothing short of rude and disrespectful during our call and I responded in like kind. They did not elaborate on any detail, missed payments and refused to send me any bills. I later come to find out that they can not demand what they are demanding during the bankruptcy. I actually attempted to open a new account and have the loan transferred to a different provider after the horrible experience and they explained they couldn't as the account was frozen during this time. Until now I dropped it. Today, I log in to check my credit score to see it had dropped 80+ points overnight due to this account. My parents are still in bankruptcy until later this year and I have received no bills, invoices or any correspondence explaining what I owe from Discover. Now I am in a position of a negatively affected credit score, on a frozen account where the creditor is demanding an irrational payment on no basis where I do not even have the option to take transfer the loan to a provider who isn't the equivalency of a loan shark.
06/01/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MD
  • 20910
Web
Original Complaint # XXXX : In XX/XX/XXXX, I started a personal loan for {$12000.00} through Discover at 18.99 % interest to pay off outstanding credit card debt with other creditors that were charging high repayment interest rates. In early XXXX, I began restructuring my overall debt portfolio and contacted Discover to negotiate new terms for the personal loan. Discover made only one offer which would lower my monthly payment by extending the period of the loan. With no other options, I accepted this one offer for a lower monthly payment. The interest rate remained the same. In XX/XX/XXXX, I located a not for profit debt consolidation company XXXX XXXX. XXXX contacted Discover and my other debtors to restructure my debt. Although my Discover credit card debt was accepted into the plan with a lower interest rate ( 9.99 % ), Discover declined to do the same for the Discover personal loan because I was already enrolled in the repayment program I had accepted before contacting XXXX. I have contacted Discover at least three times since they declined accepting the loan into the XXXX plan. Discover replied to my first inquiry with a letter in XX/XX/XXXX which explained that the loan was declined because it was already in the payment assistance program accepted earlier. In XX/XX/XXXX and XX/XX/XXXX, I called and spoke to Discover representatives, and both times Discover declined to make any changes to the loan that would allow the acceptance of this debt into the XXXX plan. Discover has refused to make any changes that would allow the debt to be added to the XXXX plan and save me money. The interest Discover is charging is too burdensome for my ability to repay this debt, and I would like to be eligible to at least add the debt to my consolidated repayment plan with XXXX XXXX. In the reply letter to the complaint from XXXX XXXX, Executive Office of Customer Advocacy, Discover indicated they would work with XXXX. However, Discover has again rejected the application submitted by XXXX to consolidate the loan. I have called and left messages for XXXX XXXX two times at the number provided in the reply letter to resolve the matter, but no reply has been received.
01/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • WA
  • 98366
Web
I have tried to contact XXXX - XXXX credit reporting relative towards the following companies seeking inquires about me without my knowledge or consent. The companies involved are : 1. Discover Financial Services XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX 3 total inquires on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I wrote to XXXX XXXX asking for the documents or account opening information because my identity was recently compromised. ** 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX inquire on XX/XX/XXXX ** I wrote to XXXX XXXX asking for the documents or accounts because my identity was recently compromised. 3. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Inquires were made on XX/XX/XXXX and on XX/XX/XXXX & XX/XX/XXXX. ** wrote to XXXX XXXX asking for an explanation for this account and got NO RESPONSE. 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX inquiry on XX/XX/XXXX AGAIN, I wrote to XXXX XXXX wanting an explanation with documentation and account information BUT no response. 5.XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, DE XXXX XXXX Inquire on XX/XX/XXXX I wrote to XXXX XXXX asking for the documents or accounts because my identity was recently stole. No reply. 6. Discover Bank XXXX XXXX. XXXX XXXX XXXX Utah XXXX XXXX UT XXXX Inquire on XX/XX/XXXX Again, no reply from XXXX XXXX. I asked for the documents or accounts information because I was recently an identity theft victim. No response. 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX Inquiry on XX/XX/XXXX. I wanted the documentation and account information of this inquire. Again, No response from XXXX XXXX. 8. Customer XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Inquire on XX/XX/XXXX I wanted documentation of the account. No response from XXXX XXXX. 9. Discover Bank XX/XX/XXXXXXXX XXXX DE XXXX Inquire XX/XX/XXXX No response from XXXX XXXX. I wanted the documents and information. I asked under the FCRA law to expunge these inquiries and place a BLOCK on my credit report and to inform me immediately if an inquiry is placed on my file and prior to sending anything to any inquiring company to inform me.
05/02/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IL
  • 60653
Web Servicemember
This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status XXXX XXXX
01/18/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OK
  • 741XX
Web
Incorrectly charged by vendor on XX/XX/18, submitted dispute to Discover on XX/XX/18, no reply for weeks, submit follow-up message to Discover XX/XX/18, finally receive reply XX/XX/18 stating investigation initiated. Charge reposted by Discover to my card apparently on XX/XX/18, I notice and message on XX/XX/18 requesting details. Apparently charge was upheld by vendor, so I assume the complete details not passed on to vendor. On XX/XX/18, Discover replies and informs me vendor upheld, but they will continue dispute. Repost of provisional credit was once again not applied until XX/XX/18. Apparently vendor upheld a second time ( despite vendor themselves investigating and admitting equipment malfunctioned and their accounting dept tells me to dispute the charge ) at which point Discover reposts twice on XX/XX/18, and they state it's because my credit card number changed mid-dispute. I explain they already reposted to the old card on XX/XX/18, and I can clearly see four debits and two credits on my account, resulting in me paying for the vendor 's charge and also paying Discover for it as well. Dispute escalation manager replied and indicated I must be confused because some were on my old card number and some on my new. I message a couple times to explain she is not accounting for all transactions in her summary of debits and credits, and they repeatedly argued, even though there is clear evidence in my transaction history. It is poor customer service to take weeks to reply to messages when it's stated at the bottom of the screen the customer can expect a reply within 24 hours. But it's absolutely inexcusable for the disputes department to manually adjust an account and not take seriously a customer 's complaint despite evidence to the contrary. They eventually credited back twice, which resulted in eight total debits and credits. They never explained why they credited twice, if the vendor eventually validated my dispute or if Discover credited due to my complaint. However, my balance does not reflect that as it should be a net XXXX. Once the credits were posted on XX/XX/18, it should have resulted in a wash. I will attach documentation to that effect.
05/14/2021 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 75020
Web
A woman called me on Tuesday, XX/XX/2021 and claimed that there was a sealed Federal Indictment against me. She claimed that I had been contacted by mail already ( of course I had not been ) and that I needed to write down and call a number she was going to give me. I explained that I was not able to write a number down at that moment, I had not received any complaint in mail and that she must be mistaken as I hung up the phone. She immediately called back. She was agitated and told me that I was rude to hang up on her. I explained that I was busy and could not write down a number and hung up the phone again. During one of these insane exchanges I suggested that she call me the following day when I would be in the office. She wanted to know what time to call which I said " this time XXXX about XXXX XXXX should be good. '' Once we ended the call she immediately called right back. Between XXXX XXXX and XXXX she called my cell phone 11 times. The phone number showed up as a series of " XXXX 's '' or " Unavailable '' on my phone. ( Of course my original thought was that is was another robo call. ) She told me she would continue to call every 30 seconds until I took and called the number she wanted me to write down. I was furious at this point. My client wasn't happy that my attention was on this call and not him and his wife. I was trying to be professional and not answer phone but the woman would not allow me to focus on my job and was insistent that I attend to her tantrum. Before I continued my meeting, I called the number ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX and gave the gentleman on the phone the case number that the threatening woman had me to write down. These people are harassing me over a Discover Card debt that is well past the Statute of Limitation. The man on the phone made sure I knew that he knew my Social Security Number and the name of the county I lived in. He told me that there would be legal action taken against me that would lead to a lien on me. During the exchange with the man on the phone he did not tell me the amount that he had hoped to be paid, suggest a settlement or even acknowledge that the debt was indeed decades old.
06/01/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • IN
  • 46131
Web
I have a Discover credit card that has a large credit line that has been active with them since XX/XX/XXXX. I pay all balances in full every month and have excellent credit. I travel often and spend large amounts frequently. On XX/XX/XXXX, I tried to check into my hotel in XXXX XXXX ( XXXX XXXX XXXX ) and pay {$800.00} for a 4 night stay and was told Discover declined my card in front of about 10 people standing in line. This is after I've already made an initial deposit for the room weeks earlier and after we've already made several other food purchases in the area. When I called Discover, I was hung up on, transferred about to 3 people who couldn't do anything except blame me for " not signing up for their fraud alerts '', which I have actually done in the past as well as signing up for the suspicious activity on my social security number with Discover. They also blamed me for not calling them to notify them " every time I travel ''! We travel ALL the time, and we've never had to call before. Now after 22 years and hundreds of thousands of dollars spent ( literally ), I have to call me credit card company to get permission to use the card every time I travel?? No one at Discover could explain why they didn't attempt to call me BEFORE embarrassing me with declining my card. They have my cell #, email, and texting contact numbers, but they couldn't notify me? I have to call them to spend {$800.00} because I'm out of town? We are out of town on a weekly basis and never had this problem. Discover card is making the practice of using my card after being a LOYAL customer of 22 years ridiculously impossible. They STILL couldn't sign me up for text alerts. They said " I had to do it myself online '' after spending over an hour on the phone. The " new security standards '' have caused me embarrassment and are not realistic for someone who routinely travels out of town. No one could explain or help in any way, and I had to " wait for a manager to call in 24 to 48 hours '', but they couldn't give me a name or contact number of the person who would call. Horrible experience and unrealistic burden for a customer that buys anything in a city they don't live in!
03/11/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MD
  • 20850
Web
Discover Financial Services began sending me requests to complete IRS form XXXX, XXXX Request for Transcript of Tax Return, starting on XX/XX/2021 and they were completed and returned TWICE on XXXX/XXXX/3021 and XX/XX/2021. Prior to receiving these documents, Discover placed a hold on online access and card spending on my account until these forms were signed and returned. I waited for weeks, and repeatedly called Discover to ask when I would receive access to my accounts again. I even had to call Discover to make my credit card payments. I was always redirected to their " Consumer Protection/Security Group '' and the answer was " you've signed these documents, so you should regain access to your accounts once we finish processing them. '' When I asked if this was a financial review, every customer service rep and Security rep would say " not really, we randomly select people to go through this verification process. You should never have to do it again! '' ( that particular call was on Thursday XX/XX/2021 ). I never received any status updates or requests for additional information from Discover during their entire verification process. On Monday XX/XX/XXXX, Discover Financial Services sent me the attached email saying that a business decision was made to close my account. The email stated that this was an irreversible decision, and that this process and the inability to appeal was stated in my cardmember agreement. The email stated that Discover Financial Services reported to the credit bureaus that they would report my account as " closed by Grantor. '' I no longer have access to this agreement because my account was closed and deactivated. When I questioned Discover about their verification and decision processes, they stated that they had no information regarding the basis of my verification process, and why it ultimately lead to the decision to close my account. I was told my multiple Customer Security Group reps and customer service reps that they have no process in place to appeal this process, nor the ability to disclose what information they used to arrive at their decision, nor the ability to disclose the basis of their business decision.
05/29/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • CA
  • XXXXX
Web Servicemember
I applied for and received a Discover Balance Transfer Card. The card was mailed to me and I received it and called the number on the card to activate it. After about 10-12 days I got a letter that said you need to activate your card and we need more info. Now this is AFTER I was told it was approved and I have the card in my possession. I called the Company on the number on the card and said I wanted to do a balance transfer ( that was the whole purpose of getting their card ) she took all my info, and after 20 Minutes on the phone she said was All Taken Care of. I got some phone messages that said I need to contact them so I contacted them again. I was told that they needed to verify me. She said they needed authorization to contact the IRS for my last two years of returns. So I did that form and sent that to them. Another week goes by and I get more messages and a letter that said you were not approved for the Balance Transfer. WTH?. They said they needed MORE INFO now. She sent me a link for me to use my XXXX to take a Selfie and the front and back of my D.L. I did that ... ... they contacted me back and said it didn't work! So I did it again ... ... they said it didn't go through and " if I didn't get them what they wanted they would just cancel my card ''. They gave me an extension and they sent me a form to have Notarized and I had to get a Signature Guarantee also ... ..this cost me time and money! I got it done and emailed it in. I called to follow up and they said that they didn't receive it! I sent it again ... ... so that was sent in TWICE. Now another two weeks goes by... ..I have an approved card in my hand and can't use it as they have discriminated against me for some reason. I get a letter in the mail yesterday that says ... ..We canceled your account. We could not Verify you! Now my Credit Score Drops because of this and I am out of time and money! So to Recap : Got an Approved Card ... ..got a TON of runaround ... ..now I take a HIT on my Credit score Because of their incompetence! This is NOT how you do Business! WHY DO YOU SEND THE CONSUMER THE CARD AND TELL THEM IT'S APPROVED AND THEN DO THIS TO THE CONSUMER????
11/04/2015 Yes
  • Credit card
  • APR or interest rate
  • IL
  • 60053
Web
I have been a Discover credit card member since 2005. Several years ago, I used the card to purchase home improvement material. The monthly payments were being made on time. However, after making payments for some time, Discover representative informed me that the low promotional interest rate would now change to higher interest rate. While I tried to explain this promotional rate should remain, they would not hear of it and raised my rate to around 9 %. After another year of making on time payments, Discovered called again and raised the interest rate a second time to around 16 %. I objected to raising the rate on purchases that were initially made on a low promotional rate offer. In addition, for no reason provided, Discover significantly reduced my limits on the card to the balance remaining further preventing me to purchase on the card. I continued to make on time payments, and once again Discover reduced the limit to balance remaining. This practice of reducing limits continued as the principal was paid down. I objected that if I am making on time payments at higher rates and never late, why the reduction in credit limit. The bank stated that this was their normal practice based on review of my credit card statement. Again, I had no choice but to continue to make monthly payments on a higher interest rate. Finally as recently as a year ago, the rate was once again raised to 21 % and the credit limit was once again reduced. I believe the bank is illegally changing terms in the middle of the contract and continuing to raise interest rate higher than those offered by competing banks. Also, Discover continues to reduce my credit card limit although payments are always made on time. This is not a fair bank practice and in my opinion illegal. A loyal customers like myself who has been with this bank since 2005 should not be taken advantage of and who has demonstrated good on time payment history. Because the bank unreasonably increased my rates several times and reduced my limit several times, these actions by Discover has placed undue hardship on me and my family, taken advantage of my financial situation, and in my opinion is an illegal practice.
03/19/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • PA
  • XXXXX
Web
On XXXX/XXXX/16 my Discover Card was charged {$47.00}, without my approval, for a subscription to a mobile application. Withstanding the charge not being authorized, the subscription for which I was charged was not credited or applied to any account or mobile device in which I possess. That is to say, no benefit was received. After contacting the Merchant directly, and finding them unable to assist ( due to incompetence or failure to understand the issue ), I issued I charge-back with Discover Card ( case number XXXX ). When the Merchant responded with information ( see Appendix A ) that was blatantly contradictory to my previous communications with them ( see Appendix B ), I notified Discover via writing of this fact ( see Appendix C ). Despite the clear and evident failure of the merchant to faithfully represent the nature of the charge, and my clear an unequivocal statement that no benefit was received, Discover Card denied my dispute despite their promise of a " XXXX-liability Guarantee '' ( see Appendix D ). After a review of the documents in which Discover attached to the case, it became apparent to me that Discover Card deliberately and systematically censored all relevant information pursuant to my appeal. That is, they blacked out relevant dates, and other information in the appeal I submitted, which clearly highlighted inconsistencies in the Merchant 's claim. This action undoubtedly led to the improper denial of my dispute. ( See pages XXXX of this letter ; Appendix C. ) Unfortunately, in this case Discover Card has acted in a manner which is inconsistent with its promise to deliver top-notch customer service, and XXXX-liability for fraudulent transactions. In denying my appeal Discover chose to censor and suppress contradictory information rather than evaluate it in accordance with the Cardholder Agreement. For this reason, I consider Discover Card to be in breach of its obligations for which it is bound, and to be acting in a manner illustrative of disregard of its obligations. It behooves me to think of all the similar claims Discover suppressed in the spirit of appealing to Merchants as opposed to seeking a just resolution.
12/05/2015 Yes
  • Credit card
  • Other
  • CA
  • 91007
Web
I used Discover Credit Card ( {$1400.00} ) and several XXXX gift cards ( {$5000.00} ) to buy a product from XXXX and later returned. XXXX refunded all the money ( {$6500.00} ) to Discover on XXXX XXXX. And Now I have a total of credit balance {$7900.00} ( {$1400.00} from previous balance & {$6500.00} from this return ) on my Discover Credit Card. We have been asking Discover to mail us a check for the credit balance since XXXX XXXX. On XXXX XXXX, Discover opened a dispute on my account for the XXXX Return amount ( without informing us until I found out by myself on XXXX XXXX ). I uploaded the supporting file which is the online order payment summary screenshot, along with the XXXX refund policy, which states clearly that " If a credit card was used in combination with a Gift Card or XXXX Notes, the entire merchandise amount will be refunded to your credit card. " But Discover insisted that they have to contact XXXX and get a confirmation from them that the refund {$6500.00} is correct before they can send us a refund check for the credit balance of {$7900.00} on my account. In the Dispute Status, Discover said the investigation may take up to 30 days. However, when I contacted them on XXXX XXXX, they said 30 days is only for most cases. They said since they are still waiting for XXXX response so right now they are not sure when my refund can be processed. On XXXX XXXX I logged back into my account, I saw they changed the Date Updated for the Dispute Status from XXXX/XXXX/15 to XXXX/XXXX/15 but all the statement is the same and it seems they give themselves another 30 days to work on my case. All the Discover customer service reps we have contacted just stated that they can not guarantee when the dispute can be resolved. And they even refused to refund me the credit balance ( {$1400.00} ) which is not related to this investigation because they said the case is not closed so they can not refund me anything. We already spent more than 10 hours working on this with Discover. We called Discover XXXX number, live chat with their online customer service representative, sent email, contacted social media team XXXX and posted XXXX. None of this work.
10/07/2021 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • LA
  • 708XX
Web
This is my 2nd complaint against Discover Financial Services. In their previous reply, they stated on XX/XX/2016 that my account was placed with XXXX XXXX XXXX XXXX. On XX/XX/XXXX, a lawsuit was filed with the XXXX XXXX District Court and on XX/XX/2016, service to you of the lawsuit was completed. In their response, there are several violations under USC Title 15. The first violation as a consumer, is Discover, sharing my private consumer credit transaction with XXXX XXXX XXXX. Federal law states that a consumer credit transaction is private. Discover violated my privacy by sharing my information with XXXX XXXX XXXX and by " filing '' my personal consumer transaction information with the local court. Also, the only court that has jurisdiction according to federal law is a federal court and not a local judicial court. Me signing and agreeing to pay was out of fear, not knowing my rights as a consumer and not knowing that Discover had no right to share my private consumer information with anyone without my written consent. Furthermore, Discover states that I was served on XX/XX/2016. That is not true, as the documents for service were provided to my father XXXX XXXX. After he was given the documents he called me at work to state, " you have papers delivered by the sheriff from Discover saying you owe them almost {$2000.00}, ''. Again, they violated my privacy by serving " illegal '' court documents to my father. Where was my right to privacy as a consumer. As a consumer I am protected by Federal Law. As a result of the violations, especially my privacy, I demand that the account be deleted to prevent Federal filing for compensation of {$1000.00} per violation by law. Discover Bank, needs to prove, in writing, with my wet signature, that I gave them permission to share my private consumer information with XXXX XXXX XXXX or the XXXX XXXX District Court. Also, provide proof from the service that I, personally signed for and was served the documents that were filed in court. Failure to provide either proves a violation of my privacy. So, to prevent legal actions in Federal Court, deletion of the account from all credit reporting agencies is demanded.
11/22/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 91311
Web
I opened a dispute with Discover credit card Services for a transaction took place last XX/XX/2018 against the merchant name XXXX XXXX for the amount of {$170.00}. I contacted Discover Credit card Services on XX/XX/2018 I spoke with a Supervisor name XXXX about my dispute with case # XXXX She asked me to get documentations so Discover can look this documents and investigate the dispute I told her I will submitt Documentation in regards along with the pictures of the Damaged Merchant Caused in my vehicle while Providing the Towing Service, She said to me if the Merchant caused the damaged Discover may deduct the services the merchant charged you off the estimate you present it, So thats what I did I submitted on line the letter, bodyshop estimate and pictures of damaged in my vehicle.So just doing a Followup with Discover on XX/XX/2018 by phone, to see if they received my documents, The representative with name XXXX informed me after put me on hold she informed me that I need a receipt from the merchant inwhich states the credit of {$170.00} I told her I spoke with XXXX a Supervisor from Discover and she didnt mention me that since there is Dispute on this Amount, I requested to speak with a Supervisor she transfered me with XXXX ( XXXX ) I told him I spoke with XXXX and she never mentioned me That I need a credit receipt from the merchant since this is a Dispute, He said he cant help me or assist me further, then for I told him. 1st * I will still dispute this amount based on I didtn request the merchant for their service, They were told to tow my vehicle by another merchant doing this my vehicle got damaged. 2md Discover Credit Card Supervisor XXXX Informed me Discover will initiate a review based in the new information provided and Now I received another contradictory response from another Supervisor XXXX stating they cant help me or assist me. These 2 reason are enough to have escalate this issue to Discover Credit Card Executive Level thru the CFPB. Its Sad to see Supervisors as XXXX not able to assist me to continue this investigation and rather to deny me assistance with this Dispute in which the merchant ending up damaged my vehicle.
12/07/2015 Yes
  • Credit card
  • Billing disputes
  • CA
  • 940XX
Web
Brief summary : I hired XXXX on XXXX/XXXX/15 for technical assistance and was charged {$140.00}. The service person failed to provide the solution and I spent the entire next day trying to contact her. I never could contact her and she never called back. I hired XXXX to resolve my technical issue which they determined was caused by a XXXX programming change. They resolved the issue. I sent email to XXXX on XXXX/XXXX/15 with my complaint and asked them to cancel my " subscription '' and refund the amount paid. My Discover Card ( Discover Financial Services or DFS ) bill dated XXXX/XXXX/15 billed me {$140.00} for XXXX. I promptly called to dispute the bill. On XXXX/XXXX/15 XXXX sent email to confirm that my subscription was canceled as of XXXX/XXXX/15. On XXXX/XXXX/15 DFS sent me a notice that the dispute was resolved in my favor. My DFS bill dated XXXX/XXXX/15 reinstated the {$140.00} XXXX charge. I called DFS to explain and complain ; on XXXX/XXXX/15 I sent requested supporting documents to DFS which they confirm having received. My DFS bill dated XXXX/XXXX/15 still showed the XXXX charge plus interest. I promptly called DFS to explain again. When told that they would not remove the charge, I asked them to cancel my account, which led to a transfer to a supervisor who promptly hung up on me. I called DFS again on XXXX/XXXX/15, explained again and was told that I had to pay. I told them I refused to pay and asked again to cancel my account, which they agreed to do. On XXXX/XXXX/15 XXXX sent a notice that they consider the transaction valid and would notify the credit reporting agencies of my refusal to pay the disputed charge. My dispute is with DFS : How can they expect me to pay a charge from XXXX that XXXX had already canceled? This is after DFS resolved the dispute in my favor and closed the investigation. This is DFS case number XXXX. I have copies of all statements and relevant documents. I will contact the credit reporting agencies to notify them that I refuse to pay XXXX for a service they did not provide and I refuse to pay DFS for failure to recognize an improper charge. I feel that DFS has abused the credit card relationship.
08/06/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • MD
  • 20735
Web
On XX/XX/XXXX I tried to reapply for a new credit card due to my old card being cancelled and charged off. I was denied credit and that's unlawful. 12 CFR 1002.6 - Rules concerning evaluation of applications. CFR 1002.6 Rules concerning evaluation of applications. ( a ) General rule concerning use of information. Except as otherwise provided in the Act and this part, a creditor may consider any information obtained, so long as the information is not used to discriminate against an applicant on a prohibited basis. The legislative history of the Act indicates that the Congress intended an effects test concept, as outlined in the employment field by the Supreme Court in the cases of Griggs v. Duke Power Co., 401 U.S. 424 ( XXXX ), and Albemarle Paper Co. v. Moody, 422 U.S. 405 ( 1XXXX ), to be applicable to a creditor 's determination of creditworthiness. ( b ) Specific rules concerning use of information. ( XXXX ) Except as provided in the Act and this part, a creditor shall not take a prohibited basis into account in any system of evaluating the creditworthiness of applicants. 1002.7 Rules concerning extensions of credit. ( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. ( b ) Designation of name. A creditor shall not refuse to allow an applicant to open or maintain an account in a birth-given first name and a surname that is the applicant 's birth-given surname, the spouse 's surname, or a combined surname. ( c ) Action concerning existing open-end accounts- ( 1 ) Limitations. In the absence of evidence of the applicant 's inability or unwillingness to repay, a creditor shall not take any of the following actions regarding an applicant who is contractually liable on an existing open-end account on the basis of the applicant 's reaching a certain age or retiring or on the basis of a change in the applicant 's name or marital status : ( i ) Require a reapplication, except as provided in paragraph ( c ) ( 2 ) of this section ; ( ii ) Change the terms of the account; or ( iii ) Terminate the account.
02/21/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • GA
  • 306XX
Web
I didn't make these charges. If there is another government agency that would be better able to assist, I request my complaint be forwarded to them. Please advise. Thank you. Here is the list : XX/XX/XXXX XXXX XXXX TN Gasoline {$29.00} XX/XX/XXXX XXXX XXXX XXXX TN Gasoline {$11.00} XX/XX/XXXX XXXX XXXX XXXX TN Gasoline {$27.00} XX/XX/XXXX XXXX XXXX XXXXTN Gasoline {$23.00} XX/XX/XXXX XXXX XXXX XXXXTN Gasoline {$82.00} XX/XX/XXXX XXXX XXXX XXXX XXXX AR Gasoline {$57.00} XX/XX/XXXX XXXX XXXX XXXX AR Restaurants {$22.00} XX/XX/XXXX XXXX XXXX XXXX AR Gasoline {$50.00} XX/XX/XXXX XXXX XXXX XXXX TX Gasoline {$34.00} XX/XX/XXXX XXXX SC - # XXXX XXXX AR Merchandise {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXX TX Gasoline {$31.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX TX Gasoline {$49.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX OK Gasoline {$58.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX OK Gasoline {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX OK Gasoline {$51.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$18.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$27.00} XX/XX/XXXX XXXX SC - # XXXX XXXX CO Merchandise {$310.00} XX/XX/XXXX XXXX SC - # XXXX XXXX CO Merchandise {$310.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO 02653R Restaurants {$13.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$84.00} XX/XX/XXXX XXXX SC - # XXXX XXXX CO Merchandise {$53.00} XX/XX/XXXX XXXX XXXX XXXX NM Gasoline {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX NM Gasoline {$12.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$5.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$11.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$60.00} XX/XX/XXXX XXXX # XXXX XXXX OK Merchandise {$66.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Gasoline {$45.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX OK Gasoline {$79.00} XX/XX/XXXX XXXX XXXX XXXX OK Gasoline {$45.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX AR Gasoline {$11.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX GA Gasoline {$77.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX MS Gasoline {$79.00} XX/XX/XXXX XXXX XXXX XXXX AR Gasoline {$23.00} XX/XX/XXXX XXXX SC - # XXXX XXXX XXXX AL Merchandise {$10.00} XX/XX/XXXX XXXX SC - # XXXX XXXX XXXX AL Merchandise {$10.00}
03/10/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 338XX
Web
In my credit report they see 2 credit cards with this company because I was a victim of identity theft and they opened 2 accounts with them and with different companies. I have sent them on several occasions a police report and different documents to prove to the company that it was not me who opened these accounts, but they investigated and determined that one of the accounts was opened fraudulently and the other they began to charge me for middle of the court. I have asked them to validate if the address and all the information that appears in this account is the same as the account that they deleted me because none of the 2 accounts belong to me and they tell me that they do not know how it was valid because that is a department apart and that they do not outline. This was the letter I sent to the company today. I am writing this letter because I received a letter from the court where I was summoned for an account that appears under my name with you, this account and another account that appears in my credit report was disputed more than a month ago because I was a victim of theft of identity and this and other accounts were opened under my name. One of the accounts I had with you that ends XXXX was investigated and deleted because it did not belong to me either. I need this account to be investigated again and stop any type of collection through the courts because I have evidence which was sent to you a month ago certifying that I was a victim of identity theft and these accounts do not belong to me. I need you to validate all the information you have about this account, such as my driver 's licenses, social security and any document from which these cards were received when they were opened. I will be sending the police report and all the documents that I send so that this investigation can be opened and investigated in a fair manner. How is it possible that one of the accounts you delete because it does not belong to me and the other not because you believe it belongs to me. I will be filing a complaint with the Consumer Financial Bureau to ask them to investigate you because you are not complying with federal fair credit laws.
10/29/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MD
  • 21701
Web
On Wednesday XX/XX/XXXX I made a purchase over the telephone with a XXXX representative using my Discover credit card. My sister also used her XXXX XXXX credit card to make a purchase in which they denied saying the company called XXXX was fraud, so they rejected her payment. I immediately called Discover to have them not authorize the transaction. They told me that they had already approved the transaction. They asked me to call back in a few days once the payment showed posted. I called Discover back on XX/XX/XXXX to advise them that the charge would need to be disputed. They asked me to call them back after my trip to XXXX to show that the services were not rendered. I called Discover once again on XX/XX/XXXX, They advised me that I would need to open a case with them to have this disputed. I also called the company that is fraudulent, XXXX to tell them that they need to give me my money back because no services were rendered. They argued with me for about 20 minutes saying they were going to send me my flight tickets through email however I never received them. What I did receive was a made up itinerary which consisted of leaving from XXXX XXXX, arriving in XXXX XXXX and on the way back showed flying into XXXX to XXXX XXXX. My trip was from Washington DC to XXXX. On XX/XX/XXXX I got a letter from Discover saying they did there investigation and found the charge to be valid. On XX/XX/XXXX I submitted more documentation to open the case back up for further review to show supported documentation that this company needs to be shut down, blocked from there system, and my charge back is valid. On XX/XX/XXXX, I got a letter from Discover again saying the disputed transaction was not in my favor and that I am responsible for a {$1100.00} transaction that I never got services for. I called Discover on XX/XX/XXXX and asked for a Manager to contact me about this. On Friday, XX/XX/XXXX XXXX ( a supervisor at Discover ) Called me to tell me that I would need to take additional steps outside of Discover to resolve this. Here I am now filing a complaint with CFPB, I have contacted the Federal Trade Commission and my States Attny generals office.
06/25/2016 Yes
  • Credit card
  • Billing disputes
  • OH
  • 44144
Web Older American
In XXXX XXXX a California merchant, a XXXX, auto-renewed a subscription I purchased in XXXX without providing a working mechanism by which I could opt out of the auto-renewal. The only mechanism on their online site required me to cancel the current ( XXXX ) subscription before its full term, forfeiting any unused portion. Since I paid for a full subscription, I refused to accept this requirement. Instead, I purposely withheld my Discover Card 's ( DC ) expiration date from the merchant, expecting a credit card transaction lacking a valid expiration date would be rejected by DC. Instead, DC approved the charge without up-to-date account information. I disputed the charge via a written claim sent under the Fair Credit Billing Act -- XXXX pages long, with online screen images of the merchant 's site, the merchant 's posted policies, excerpts from the XXXX Auto-Renew Law and Restore Online Shoppers ' Confidence Act of XXXX ( ROSCA. ) I documented the merchant 's missing opt-out mechanism, invalid initial purchase terms ( customers wanting to opt-out of auto-renew could never receive a subscription matching the term they paid for ), and my refusal to take delivery of the auto-renewal ( I cancelled it immediately ). I also showed that the renewal price was twice the original subscription rate, even though the merchant posted terms saying renewal pricing could change ). DC completely ignored everything I submitted to them. They said my claim was " incomplete and/or ambiguous ''. And they ruled in favor of the merchant, overlooking its fraudulent practices -- delivering shorter subscriptions than advertised DC, meaning that customers could not possibly give the " express informed consent '' required by ROSCA. And the merchant 's violation of California law by failing to provide " clear and conspicuous '' and " working '' opt-out mechanisms. DC did no independent investigation of this matter as their corporate Internet prohibited access to the merchant 's website. And they were completely disinterested in ROSCA and the California Auto-Renew Law. Their only investigative act was reading the merchant 's statement and finding it completely valid.
05/21/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • TX
  • 78840
Web
I requested a wire transfer from Discover Bank to XXXX XXXX XXXXXXXX on XX/XX/XXXX for {$2600.00}. Transfer was the earnest money being sent to Title company for my first home purchase. I was contacted by Discover Bank on XX/XX/XXXX, to confirm my details like Name and DOB. Funds were withdrawn from my account on the same day. XX/XX/XXXX, I contact Title Company and tell them check their account for the money. They can not find the transfer. I contact Discover Bank, they tell me to wait XXXX XXXX business days for transfer to complete. Title Company recommends I contact Discover to verify transfer details are correct. XX/XX/XXXX, I contact Discover Bank Wire Transfer Department, reconfirm account number and Routing numbers and other details are correct. Considering they may have provided the wrong information, I also confirm transfer details with Title Company Receiving funds. XX/XX/XXXX, I contact Discover again and they claim transaction is complete giving me a " Fedwire number '', I provide this number to the Title Company. They feed this information to XXXX XXXX XXXX wire transfer. They tell them that the number provided is not a XXXX number. XXXX XXXX I wait for transaction to settle. XX/XX/XXXX XXXXitle Company calls me, let me know that the deal will fall through if I don't send the money by Friday. Seller was ready to back out. I call Discover Bank ask about the wire transfer. They say the funds are at the Fed. That they have done all they can, and they can't help me anymore. XX/XX/XXXX I initiate another wire transfer for the same amount {$2600.00}, from another personal account in Discover Bank. Title company contacts me to let me know they have received the money. Saving the deal. I contact Discover Bank, to initiate a recall on the first wire transfer. I don't receive an email or confirmation about it. XX/XX/XXXX XXXX contact Discover Bank as to the status of the wire transfer recall. They say that maybe the transfer is " stuck '' at XXXX XXXX XXXXXXXX wire department. They suggest I contact XXXX XXXX XXXXXXXX. I feed this information back to the Title Company. XX/XX/XXXX Still no solution...
12/29/2016 Yes
  • Credit card
  • Advertising and marketing
  • VA
  • 22602
Web
The Discover card offers an extended warranty that appears in the list of benefits ; their website states " No need to worry about expired warranties. We will extend the terms of an existing eligible warranty for up to XXXX additional year on warranties of 36 months or less '' and further states this is " Available to all Cardmembers ... This exclusive benefit is available to you as a valued Cardmember. We 've got you covered when you use your Discover card. '' The reason for my complaint is if you decide to utilize this benefit and file a claim, the claims process ( which is administered by a third-party ) requires an official repair estimate to be submitted and this may have a cost -- thus, in order to use the Extended Product Warranty benefit, a consumer may have to pay an un-reimbursable expense that is not covered by Discover or their assigned third-party claims processor. In my particular case, I have a XXXX TV that failed after XXXX 's original one-year warranty. After filing my claim and providing all other requested documentation, I have found that there are no " free estimates '' available from authorized repair facilities. All repair providers require an upfront fee of {$99.00} to {$140.00} for an in-home estimate, the cost of which may or may not be applied towards the actual parts and labor repair. Discover will not cover this cost, and thus, this is not a free benefit. Contrast this to any standard manufacturer 's warranty that would not require any cost to initiate and finalize a repair or replacement and you can see that Discover needs to address this issue as this benefit is not actually extending the original warranty and this is deceptive. My request is that Discover amend the " Extended Product Warranty '' Terms & Conditions advising consumers " that any cost for an estimate is not included in this benefit '' or that they would reimburse the cost of any estimates paid for by a consumer as part of the claims payout process. I have contacted Discover already about this issue, but do not have confidence the company will take my complaint seriously so this is why I have elected to bring this complaint to the CFPB.
07/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • KY
  • 40031
Web
I XXXX, XXXXagent requested a bill statement monthly payoff for the account on XX/XX/XXXX and the statement was posted to the online account on XXXX. The bill statement is due by the XXXX of XXXX. On XX/XX/XXXX the first letter of instructions ( claim of credit ), POA, federal reserve section 16 and 29, and the negotiable instrument of the bill statement monthly payoff endorsed was sent to the CFO ( XXXX XXXX XXXX ) over night and was received on XXXX the XXXX at XXXX XXXX ( letter of instructions states 5 business days will be given to receive a response. A copy of the endorsed negotiable instrument of the bill statement monthly payoff was sent to the billing center requested in the letter that was sent to XXXX XXXXPrincipal. No correspondence from the CFO was ever received of completed instructions. The second set of instructions that was sent to the CFO ( opportunity to cure ) along with POA, federal reserve section 16 and 29, and the negotiable instrument of the bill statement monthly payoff on XX/XX/XXXX and received on XX/XX/XXXX at XXXX XXXX giving 5 business days to respond. No correspondence has been received at this time from the CFO. The third set of instructions will be sent on XX/XX/XXXX ( default of notice ) along with POA, federal reserve section 16 and 29, and the negotiable instrument of the bill statement monthly payoff. Again, given 5 business days to respond accordingly. All instructions were sent overnight using USPS with tracking. Also, all items sent had to receive a signature upon delivery. A copy of this file complaint and all evidence has been sent to the CFO as well. As of XX/XX/XXXX the instructions have not been completed by the CFO at this time. As of now the CFO of Discover Financial Services is in violation and breach of contract of the following laws/acts : 15 USC 1611 , 3-602, 3-603, 3-604, 3-611, 3-408, 3-409, federal reserve act section 16, and federal reserve act 29. Due to the nature of the violation, I am seeking remedy of the bill statement monthly payoff to be paid out for the account with Discover Financial Services and 1 percent of the total assets of Discover Financial Services member bank.
06/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • CA
  • 94043
Web
On XX/XX/2022 at XXXX, I received notifications ( via both the Discover Banking mobile app and email ) that Discover Bank XXXX noticed unusual activity on ( my ) account '', and that my account access had been suspended " for security purposes ''. I was given a number to call and was told to call " IMMEDIATELY ''. The notice also said quote : " Our 100 % U.S.-based customer service team is available XXXX hours a day, XXXX days a week. '' I checked that the number was correct ( Discover Bank 's Fraud and Phishing Detecting Hotline ), and proceeded to call the number. After being put on hold for an hour without any additional information, I hung up. Later that day at XXXX ( midnight ), I tried calling again. This time, I was redirected to an agent who told me that the Security department had closed for the night and to try again the next day. The agent also informed me that the department behind that hotline was only available from XXXX to XXXX EST. This was already in conflict with what the notice mentioned about their customer service team being available XXXX. I tried calling again the next day at XXXX, and was put on hold all the way until XXXX, at which point I could not remain on the phone due to family and working commitments. I called Discover Bank 's general hotline, and managed to speak to an agent who could only tell me that they could not access my account at all, and that the Fraud hotline was the only way I could do anything with my account. The next day I woke up at XXXX minutes before XXXX EST, and initiated a call exactly at XXXX EST to the Fraud hotline again. However, the machine-based system still put me on hold for over an hour once again. There is clearly nobody manning the phones behind this hotline that is supposed to have XXXX actual human support. This is made all the worse by the fact that the freezing of my account literally impacts my family 's and my ability to make purchases for daily necessities, such as groceries. Discover Bank really has no place in today 's financial world if all they can do is lie about how they are an online-only bank, and then provide such ambiguous process for customers.
02/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Overcharged for something you did purchase with the card
  • PA
  • 16823
Web Servicemember
My original complaint wasn't resolved or fully addressed. I did not receive 6 months of personal coaching. On XX/XX/XXXX, I purchased a " 6-month personal coaching package. '' XX/XX/XXXX was not the actual " start date '' of this program, and the coach claims that the end date is XX/XX/XXXX. Even if the official start date was XX/XX/XXXX, 6 months would be up on XX/XX/XXXX. On Friday, XX/XX/XXXX, XXXX texted me and advised that my program ended on XX/XX/XXXX. According to my computations, XX/XX/XXXX to XX/XX/XXXX does not add up to 6 months time. After being misled about this program, I only received one document identifying my baby step to work on dated XX/XX/XXXX. No other goals were formally documented and/or tracked. XXXX has no credentials, licensure, education, etc. that allow her to operate in the capacity that she attempts to. She gives erroneous medical recommendations, which are far beyond her scope of practice. Again, she doesnt have a medical degree to practice in this capacity. XXXX also attempts to act as a mental health practitioner, asking questions about childhood/background and making canned recommendations based on responses. XXXX is not a licensed counselor, social worker, or therapist and should not be acting in this capacity. The weekly XXXX that XXXX was offering access to were not tailored to specific individuals and everyone in her program has access to these XXXX. However, the majority of the time, the XXXX links dont work, and program participants cant get on. Not that the material shared in the XXXX is anything unique or of particular value. Again, these are generic XXXX ; not tailored to anyone specific. Lastly, to reiterate and recap, XXXX does not have any type of certifications whatsoever. She is unqualified to be operating under her current business model. She claims to be knowledgeable about various health conditions solely because she herself suffers from them. Its a ridiculous scam, operating under the guise of a program. Furthermore, it intentionally targets vulnerable populations, suffering from health conditions, which again, XXXX is unqualified to treat/diagnose/make recommendations for.
11/12/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MA
  • 02703
Web
After applying for a personal loan at Discover Card personal loans, I was provisionally approved upon receipt of certain documents : Drivers License, SS card, and 3 months of bank statements. Upon learning they wanted bank statements for such a relatively small loan, I called and asked a Discover agent if that meant including transactions and he said yes. And he reiterated not to leave anything out and to include ALL pages. That means Discover would have information to THREE months worth of private, personal transactions that could include : Co-pays to Dr 's offices ( which is a violation of HIPPA ) showing the name of the doctor and specialty Co-pays to pharmacies Where I shop and for what Where I visit and/or travel Memberships and/or clubs/gyms I belong to Subscriptions My cell phone provider ( So they can sell my info to the competition? ) Any personal transactions that are between me and a company, including the amount They essentially want everything I've used my Debit bank card for in the past three months. When I told the Discover card agent that this was incredibly invasive for such a small loan, he just reiterated to not leave any pages out of my bank statement. Keep in mind I have very good credit. And I don't trust a CC company to NOT sell my information or use it to their benefit. They're always changing the user agreements and most times you have no idea what they've actually changed. This is egregious behavior and abuse of authority. What do they need all that info for? Are they using it to build profiles of the thousands of people applying for their loans? Creating a database of people 's private information, including medical? Selling it to third parties? Storing the information in a computer that could get hacked? I even asked if it was OK just to show inflow and outflow and the agent said NO, we want it all. I was flabbergasted. I'm not applying for a mortgage. This is an under $ XXXX loan to pay off high-interest credit cards. Someone needs to look into Discover Card personal loans as I'm not the only one. According to the agent, they request that of everyone. Imagine all the info they now have on Americans.
03/05/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91344
Web
I have been a victim of identity theft. I have filed a police eport along with a XXXX with XXXX listed on the FTC. I previously filed another CFPB case number XXXX and back on XX/XX/2019 XXXX responded to the CFPB request. I recieved a letter by XXXX in the mail stating they will conduct a investigation. At the time I also sent the police report identity theft and a FTC. XXXX has not been any help. They are refusing to remove the account that I never opened nor have I autohrized anyone to open a XXXX account without my consent therefore this account was opened fraudulantly. A few days ago I was notified that my claim has been denied by XXXX XXXX from the Executive office of customer advocacy department. Her contact number is XXXX. She has not done the proper investigation on my claim of fraud and I will explain why she has not. XXXX XXXX is refusing to have this account that I never opened removed from my credit files. I have filed a police report along with a FTC proving Discover that I am not responsible for this account. On XX/XX/2019 I spoke to a rep from the Executive office with the name of XXXX XXXX. He stated that my account was under another investigation. Please see attached FTC and police report. I am not linke for this account and it must be removed. I have never opened any credot cards with XXXX nor have I disputed any charges with XXXX because I never even opened the account. Another discrepency that I have discovered is that at the time of the application I was legally a minor with the age of XXXX. I will also attach my DL with my DOB along with my birth certificate showing my DOB. XXXX is not allowed to open any accounts for minors. Along with that when a application is submitted XXXX must verify the information on the app. In this case because I was a minor with the age of XXXX XXXX by law should have not approved this fraud account. I strongly believe that someone in XXXX has opened this account under my name without my authorization because this app should have been denied due to me being a minor at the time of the application. Please see attached birth certificate and other documents supporting my claim of fraud.
02/15/2017 Yes
  • Credit card
  • Customer service / Customer relations
  • NY
  • 11209
Web
This issue is about Discover Extended Warranty service. I filed a claim on XXXX/XXXX/XXXX regarding my XXXX may need a battery replacement. I uploaded all the required documents and received first email back on XXXX/XXXX/XXXX asking me to upload repair estimate. On XXXX/XXXX/XXXX, the representative, XXXX XXXX XXXX, called me to tell me my case was rejected with extremely rude attitude. She stated that warranty terms " This Warranty does not apply : ( a ) to consumable parts, such as batteries or protective coatings that are designed to diminish over time, unless failure has occurred due to a defect in materials or workmanship '' ( Please see the attachment - XXXX 1 year warranty ). Also, please see attachment XXXX -iPhone Battery & Power XXXX Official XXXX Support, " Our warranty covers a defective battery, but it does n't cover wear from normal use. If you 're covered under warranty or AppleCare+, we 'll replace your battery at no charge if it retains less than XXXX percent of its original capacity. '' Clearly, XXXX is not responsible for normal use battery, but is responsible for defective battery, which means less than 80 % capacity. Therefore, my case should be eligible for replacement under warranty at no charge. Also, Discover has its extended warranty can extend the original warranty one more year. which means Discover is responsible for this claim. However, XXXX XXXX XXXX insisted " the battery is not covered by warranty '' but she did n't notice the sentence " unless unless failure has occurred due to a defect in materials or workmanship. '' One more thing to mention, my iphone has been inspected and replaced a battery in XXXX of XXXX stores. According to their policy, they only changed " defective '' battery ( less than 80 % ), even if you want to pay by yourself. If your battery is good, they wo n't replace it. If your battery is defective, it 's free to get replaced under warranty and {$79.00} for out of warranty. I am writing this letter to see if I can get any positive feedback from Discover because XXXX XXXX XXXX was not willing to talk, explain, and listen to me. I felt extremely disrespected today. Thanks, XXXX
12/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • XXXXX
Web Servicemember
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Records are still outstanding to this dispute and act or action of FRAUD. To Whom This May Concern : I need a formal written communication letter from XXXXXXXX XXXX XXXX legal department showing that such regulations in the XXXX XXXX XXXX Credit Bureau where they have such rights to impose upon credit cardholders the rights to obtain such Internal Revenue Reports on consumers under Form 4506-C. A Form 4506 has nothing to do with a credit card dispute or a credit file inquiry. If such does produce such regulations stating such. I too need the Department of Veteran Affairs Form received completed and signed off on under such record verification process. VA XXXX XX/XX/XXXX XXXX, I signed off on and consented to receive such records before making a charge to any credit card on file or record. Where are those records under such signed authorization? All records must be dated before charging such a credit card on file and such reporting to the credit bureau as a line of credit extended or authorized by the cardholder. Where are such official and legal records? I need such official records that should show and tell anyone or everyone, that I am responsible for something that I never authorized. XXXX has nothing to do with my Income Tax Return and to have such business in sending me some Form 4506-C. XXXX XXXX XXXX Legal Counsel is requested as requested before to cause this matter that is still not solved to this date. These records are still missing from the Consumer Financial Protection Bureaus System in nature to the event and activities conducted from XX/XX/XXXX XX/XX/XXXX under credit card number ending in XXXX. Where there is a charge, there are official and legal records. I need these records attached under an official and legal signature from someone in the legal department that you should have by now. I need these records under your next response for the records... Sincerely, XXXX XXXX XXXX Customer CC : Legal Review
12/08/2015 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't decrease my monthly payments
  • MD
  • 21220
Web
My private student loan was originally serviced by what is now, XXXX XXXX XXXX. It was sold over 4 years ago to Discover Student Loans. When it was first sold I noticed the payments were {$100.00} more than the original payment with XXXX XXXX. My current monthly payment with Discover is {$370.00}. I can not pay that. I have told them repeatedly by phone and email, the payments are too much. I have asked if they could lower the monthly payments or refinance the loan to lower the monthly payment. My emails either went unanswered or I was told I have no choice but to pay it, as I had used all of my forbearance. The last email I sent was after a threat AGAIN, telling me the loan was in at risk of being default and that payment must be made or they will escalate it. I emailed the Director of Operations and to beg for his help and to explain what was happening, to this date I have gotten no response. AGAIN. I spoke to a supervisor who I thought would help that turned out to be the most combative conversation I ever had with a customer service agent. I can not live like this under constant threat, I am not refusing to pay them I just want to find a way to lower the payment. I have XXXX other student loans XXXX with XXXX XXXX which is currently on a reduced payment plan, from {$560.00}, approx. down to {$280.00} ( XXXX loans combined ) per month. I also have another smaller loan which is about {$50.00} per month. Discover is the only loan I literally can not pay and that is a problem. I am constantly given the " politically correct '' explanation on how they can not reduce the rate, the length of the loan etc, they explain that XXXX XXXX and others have alot more freedom than they ( Discover ) do to administer student loans, if that is they case why are they even allowed to offer student loans. I am not asking to not pay them I am simply asking to reduce the monthly payments. I even proposed a lower monthly payment of about {$250.00} for about three months, until XX/XX/XXXX, and in XXXX 2015 I would be able to bring account current then, Rejected completely. I need help in talking to these people. I have recently restarted my job search,
06/07/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • AR
  • 729XX
Web
- Discover bank notified me via email on XX/XX/2022 at XXXX that my accounts were frozen ( see attached file titled " XXXX DIscover Frozen Accounts Emails.pdf '' - this file contains all 3 emails I received, one email per account with Discover Bank ). I was informed in this email that I must call them immediately. I attempted to call them on XX/XX/2022, XX/XX/2022, and XX/XX/2022 and was met with 1 hour or longer wait times each time. I finally reach Discover Bank on XX/XX/2022 around midnight. I was informed by the customer service agent that my account were frozen " due to a business decision. '' The representative could not provide further explanation. The representative informed that I would receive my funds " within 60 days. '' The representative offer to schedule a " supervisor call-back '' - I accepted. I was informed that the call-back would occur within 24 hours. As of this complaint, I have waited greater than 24 hours. I have not been called, emailed, or notified in any manner. - On XX/XX/2022 at XXXX I called Discover Bank again ( see attached file titled " XXXX Discover XXXX '' ). I explained my situation to the representative named XXXX XXXX supervisor 's name is XXXX XXXX. XXXX informed me that my accounts with Discover Bank were being handled by the fraud department. XXXX informed me that she could not elaborate further about the status of my accounts or on anything in relation to my accounts. I notified XXXX that I am filing a complaint with the FDIC and my state 's attorney general 's office. XXXX offered to file an internal complaint on my behalf- I accepted. XXXX could not provide a confirmation number for the internal complaint. - My 2 checking accounts and 1 savings account with Discover Bank hold nearly all of my liquid capital. Discover Bank froze my assets without notice and without cause. I am left penniless with bills coming due including credit card payments, rental payments, electricity payments, and home internet payments. This does not include the bare necessities I need to live like food, water, or transportation. I can not pay for anything because of the position Discover Bank has left me in.
04/12/2022 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Problem lowering your monthly payments
  • ME
  • 049XX
Web
The past few years have not been easy for myself and my family. I have had low paying jobs for most of my working life, as well as my parents. Discover Student Loans would only " help '' me by lowering my monthly payments by $ 200- {$400.00} a month for only a few months, then demand I pay the full price once again. I have tried applying to better paying jobs, but was either scammed, rejected, or couldn't afford to move to a better location where the truly better paying jobs were. Then the pandemic hit. Discover was only willing to help me for 6 months, then I had to beg and plead for them to give me extra help. I've found out last month that I am being forced to move out, as my landlord does not want myself and my roommates to live here anymore. I can't pay {$1200.00} a month for rent, utilities, food, phone, and car expenses, along with {$1600.00} and change a month when I only make {$2700.00} after taxes. I told Discover my current issue, and asked them for help, as my payments have become late. I have been told by XXXX person that I should have thought about whether I could actually afford college, as opposed to just jumping in. I have also been told that while they " sympathized '' with me, I did sign an agreement between myself, my cosigner, and them. Therefore, I must find a way to pay them back, plus interest. I didn't ask for this pandemic to happen! I didn't ask to be let go because the company was downsizing! I didn't ask to be fired because the job I thought I had applied for was actually a scam! I did as I was told - I went to college, earned XXXX degrees, and applied to the jobs the degrees were meant for, only to be turned away because I " didn't have enough experience ''. All I am asking for is help, not increasingly hiking interest rates, calls from Discover Student Loans XXXX to 8 times a day demanding I pay them even though I tell them I don't have any money to give them yet, and complete strangers berating me and saying I made bad choices with " their money ''. If there is only XXXX lesson I get to learn today : NEVER work with Discover Student Loans. They're nothing more than glorified loan sharks.
03/12/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33076
Web Older American
My name is XXXX XXXX XXXX, and I have been a DISCOVER CARD customer for XXXX years. EXCELLENT CREDIT I was recently the victim of a vicious criminal actor, who placed a XXXX XXXX to my head as he forced me to provide him with several of my bank account identifiers ( e.g., card numbers, etc. ). Under duress, I had no choice but to provide the suspect with my DISCOVER card number, which then resulted in multiple unauthorized charges. One of the largest charges ( {$8200.00} ) was completed at XXXX XXXX XXXX which is apparently a law firm in XXXXXXXX XXXX ( I have never heard of nor interacted with this business ). I have submitted the fraudulent transactions to the DISCOVER Customer Fraud Support division for help with this matter, but I have received no assistance ; certainly not the assistance that I believe should be provided to a XXXX, longstanding customer with a flawless financial track record. To me, this incident is no different than if somebody had robbed me at gunpoint, taken my wallet, and then used my credit cards DISCOVER TOLD ME I AUTHORIZED ALL THE CHARGES AND REFUSED TO DO ANYTHING. This scammer took everything, all my savings, all my credit cards, my driver 's license. I was never so scared in my life. I protest and they refuse to reverse all the charges. Statement attached. Ruined my XXXX XXXX score. Demand I pay the {$36000.00} charged. In all my XXXX years my record shows this is not me at all. I never ever have done this. I'm on a fixed income, and they expect almost {$800.00} a month I MUST pay. Asking me to pay for what this man did to me is outrageous. I can not HARDLY NOW pay for groceries ; medications and barely afford my rent. Other banks reversed the charges after investigation but NOT DISCOVER!! I am respectfully requesting your assistance with this matter. If it would assist you further, the case is actively being investigated by the XXXX XXXX Police Department. The detective handling the investigation has offered to provide additional information as requested ( XXXX XXXX, XXXX, XXXX ). He has stated that the evidence obtained so far is looking promising to identifying at least one suspect.
04/28/2017 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Problem lowering your monthly payments
  • SC
  • 29501
Web
I graduated with a XXXX XXXX XXXX in XXXX XXXX . Once my Discover undergraduate loa n went into repayment I quickly fell behind due to the amount of the payment and others I must make on a monthly basis. My mother is the cosigner on this loan, but she is XXXX and on a limited, fixed income. She has been harassed and threatened by calls from Discover dem anding payments of {$1000.00} to {$3000.00} on the spot or her " credit would be ruined for the rest of her life. '' In XXXX , we were told if we made three consecutive payments of at least {$900.00} they would work with me to lower my monthly payments. When I called after having completed these payme nts ( made with the help of my mother despite neither of us being able to afford it ) I was told they never promised such a thing. I once again fell behind and began to receive calls multiple times a day while I was working, often from local area codes to encourage me to answer. Each time the amount they asked for included what was currently due, but also what was due for the next payment even if it was a month away. In early XXXX , my mother used an open end loan and low interest rate credit card in her name to help me catch up. Discover received {$3400.00} in XXXX XXXX . I called to discuss the options for lowering the monthly payment and was told there were none. The conversation with the " repayment assistance department '' included phrases such as the following after I described my financial situation such as how much I make and amounts/numbers of other financial obligations : " in order for the loan amount to be paid off in 15 years, a monthly payment of {$900.00} is required. You do n't think you 'll ever make enough to pay that? That 's what your loan balance requires. We only offer temporary solutions. But afte r the 3-6 months the payment will be even higher. '' I offered a monthly payment of {$500.00} which is still more than I can comfortably afford, but the woman would not hear it. I am doing every thing in my power to avoid going into default and further ruining my credit, but Discover has told me a number of falsehoods and offered empty promises.
05/28/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • CA
  • 90403
Web
1-Provide Accounting of Ghost/Floating Balance Placed on my Account in XX/XX/2019. 2-Provide Accounting, Identify Balance of Ghost/Floating Balance Each Month since XX/XX/2019. Indicate the amount of payment applied to Ghost/Balance Applied since XX/XX/2019. 3-Explain why Discover doesn't identify Ghost/Floating Balance on the last 24 statements in the " Interest Charge Calculations '' 4-Provide ACCOUNTING of specifically how much of the last 24 payments were applied to the Ghost/Floating Balance. 5-Explain why Discover does not identify the Ghost/Floating Balance in the " INTEREST Charge Calculations '' as I'm being blindsided by Discover NOT providing any accounting in the last 24 months of statements. 6-Provide Disclosures, Terms and COnditions for the actions you took without my permission. 7-You applied a balance to my account without providing disclosure, transparency and terms and conditions. I have made 50+ inquiries and DISCOVER provides information that I already have. 8-Provide a ledger of accounting for the last 24 months of the actual accounting of the ghost/floating balance and the payments applied to the ghost/floating balance Discover unilaterally created without my understanding, permission and consent. 9-Explain why DISCOVER is hiding the numbers and the monthly accounting of the GHOST/Floating Balance on my account. I want a monthly accounting for the last 24 months of the money YOU WILL NOT IDENTIFY ON MY STATEMENT, it is only identified in a general balance. Discover is acting COVERT in applying a GHOST/Floating Balance without providing me the accounting of the monies. You provided general information and HAVE NOT ADDRESSED THE ISSUE of the accounting of the ghost/floating balance, terms, conditions, consent. WHAT IS THE INTEREST RATE of the GHOST FLOATING BALANCE, IDENTIFY it on my monthly statement. I WANT FULL TRANSPARENCY and ACCOUNTING in ledger with terms and conditions. I DID NOT CONSENT TO WHAT OCCURRED. YOU TOOK THE MISTAKE OF YOUR EMPLOYEES AND MADE IT MY PROBLEM AND DISAPPEARED IN PROVIDING ME THE TERMS, CONDITIONS AND INTEREST RATE OF THE BALANCE YOU APPLIED TO MY ACCOUNT UNILATERALLY.
07/03/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 77450
Web
On or about X/XX/17, I was contacted by Discover regarding a credit card account opened in my name. I advised that that I had never opened such an account and verified my personal information. They indicated that they would open an investigation into the matter. I received a notification from them dated X/X/17 that they had completed their investigation and determined that no fraud had taken place and that they were opening a new account in my name and would be sending me statements, and that I would be responsible for approximately $ 9k+ in charges.

On X/XX/17, I contacted the credit reporting agencies to advise them of the identity theft and to determine if other accounts had recently been opened in my name and found that there had been, with XXXX XXXX, XXXX, and XXXX XXXX XXXX. In contacts with the aforementioned creditors, they were far more helpful and immediately closed the fraudulent accounts and absolved me of any responsibility for repaying any of the fraudulent charges.

On X/XX/17, I contacted my local police department, who assigned a case number and opened an investigation. All of the aforementioned creditors, including Discover, were provided with the police department case number and contact information. This information has also been provided to the credit reporting agencies.

In the meantime, I just got an email advising me " my '' new card was being sent to me. I continue to get collection calls from Discover ; each time I respond to them advising them that I never opened an account with them. I then get transferred to their " fraud '' department, and each time the tell me that I am liable for charges associated with the fraudulent account.

It should be noted that I have never received a credit card or any statements from the aforementioned credit providers at my physical address. Correspondence from Discover was mailed to that address only after they found my real phone number and called me about the account and I provided them with the correct physical address. Upon contacting the other creditors, it was also determined that they too had been provided fake email addresses and phone numbers.

09/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 152XX
Web
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
08/02/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NC
  • XXXXX
Web
well i did email discover to make a payment deal they never replied to me..i had a death in the family ( stepmom ) and my dad is ill now and XXXX so he ca n't help with his account ... what happen it i am staying in nc and found a job just so i can clear up some cc 's well i had money to pay my discover bill ( it 's a secured card ) and i went to pay some of it before time ... it is due on the XXXX and the only way to pay is checking or savings ..i explained to them a while ago i had to close them to give money to help my XXXX year old dad so now that i have the money they are telling my the only option is checking or savings ... i did remind them in the past i could n't because my checking account went bad and now XXXX in involved and stopping me from getting a account so i can give the info to discover..they keep saying sorry this is the only way..i used to think highly of discover ... even the smaller cc company 's i have have options to pay the bill ... i am stuck here so i wrote them and said wow i am trying to pay my bill and you have no options..i am toast now and when the XXXX goes by i am even going to have to pay more..so i guess i can just give up and file with yous ... i have no choice it 's only me and my dad and he ai n't going to help i had to clear out all my accounts to help him..discover do n't want to hear this and wo n't accept my money ... i give up ... i do n't know what to do so ... i wrote yous ... owell i will just let all my credit i fought for 2 years from today and from the start ..i never even had or cared about credit so i was iffy in the start and now owell i guess i will just block everything and be in dept for the rest of my life and just use cash ... i want to pay them off and they have my deposit and wo n't budge to help in any way just get me deeper..so i guess i will just keep ignoring it and pay off the others..if i would of known this was only 1 option from a well known cc i would of said no ty ..now that i know ... discover is the worst cc in the world..the smaller cc have better options..what a joke..owell i tried ... see ya ... i give up on all of it it ; s all way to much ... XXXX
11/06/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • CA
  • 902XX
Web
Fraudulent wire was made in my online banking account for {$28000.00} on XX/XX/23 XXXX AM XXXX to an unknown and unauthorized bank account. I caught it and called Discover Bank at XXXX PM XXXX and told them to cancel and stop payment immediately! This was within 4 hours of the wire attempt. They confirmed and said they put the wire on recall. I called multiple times in the next days and each time they said the wire was still on recall and I had to wait. I kept asking and requesting for a permanent stop, but they kept telling me they could only recall. The email I had received with original info of the attempted wire transfer ( that I did not make ) states, " A Wire Transfer Specialist will verify your wire details before the transfer is processed. '' No one ever called me or verified anything with me. Absolutely no money should have been sent without verified consent. But more importantly the wire should have been stopped as soon as I called them to inform them. Furthermore and worst, at XXXX AM XXXX on XX/XX/23 I received a notice from Discover Bank stating the funds have successfully transferred!!! How could that be possible if I told them it was fraud and to stop payment?! And they had already confirmed it was on recall. After many requests and demands, they would not make it possible for me to speak with a wire specialist or anyone that could give me the help I needed such as wire details, the bank account the funds were wired to, name, account number, or anything that could help me take action on my own. I was willing to do everything in my power, Discover Bank was not. This is my life savings and I am currently unable to buy basic life necessities like food and water and Discover Bank did nothing after I told them to STOP PAYMENT! It has now been over 4 full days since I originally called and the bank has not recovered the funds they wrongfully processed nor a phone call from an investigator or anything of the sort, and I am left with no time frame either as to when they will be returning the funds back into my account that I use for every day survival. Federal reference number for Wire transfer XXXX
07/06/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 92683
Web
I placed an overseas order for some products I needed on XX/XX/XXXX. The total amount spent with this company was {$370.00}. They were supposed to be shipped and it never takes longer than a month to get stuff from XXXX. On XX/XX/XXXX the seller emails me and tells me the warehouse sent me the wrong goods during the shipment. I told them that would not work, I had order 25 of these certain cups for a project. On XX/XX/XXXX, I contacted the seller because it had now been two months and I had not received my shipment. The seller lied to me and told me that they had shipped on time and gave me tracking numbers for XXXX and I contacted XXXX and they told me they created a label on XX/XX/XXXX but did not give XXXX the package. They lied and said they shipped on XX/XX/XXXX. So now this was explaining why they were so late. So the seller told me he would refund the items sent by mistake and I told them since I haven't received the order to cancel it. He refused to cancel it. He said after I received the products that they will refund the money for the wrong items sent. I said no, I need 25 of the same cups for a reason and now I only have 15. He then reiterated that the 10 were going to be free and he would return then all of the money of the 15 glowing cups to me as well. So I made other arrangements to fulfill that order on what I needed because he assured me he was refunding it. When I received the cups on XX/XX/XXXX, over two months later, not only did it confirm he sent the wrong cups but he also didn't include the straws I need for the cups. The other two sets were okay. So I requested my money back for the ones he assured me he was refunding and then since I have them, they refused. So since I received the wrong products, I uploaded all of our conversation to Discover and requested the partial money back that they promised me. Discover refuses to back it's customer even though I gave them every statement where he said he would refund my money. Discover should support their customers. I wasn't asking for a full refund, I was asking for what they sent and didn't send that was wrong and what they promised to give back to me.
12/03/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • AZ
  • 85233
Web
I have submitted several price protection claims with Discover that haven't been looked at, even after 2 months. When I submitted the claims I got an email saying the claim would be reviewed within 10-14 days. Normally this process has taken 7-10 days. I submitted a claim on XX/XX/XXXX, and it is still in processing and has not been looked at. I have called the claims dept several times ( the number in the email ), and each time they tell me they will look at it within 120 days, not 7-10 days in the email. Every time I have asked for a supervisor or someone in claims they refuse to transfer me. They tell me to call Discover. I've called Discover twice and messaged them twice, and they won't do anything. I am worried because so much time has elapsed since I originally submitted my claims that they will be denied because they can't verify the lower price. Many of the claims I submitted were a weekly sale, and there's no way you can verify a sale price 2 months after the fact. I am also worried that I will be unable to return these items if my claims are denied, because most retailers only allow 30-90 days to return an item, and Discover is telling me I have to wait 120 days before they will ever look at a claim. This sounds illegal. You can't change the terms and conditions of a claim AFTER a claim has been submitted. I will attach the original email I got from Discover saying my claim would be reviewed within 7-10 days, back on XX/XX/XXXX. These are my Discover price protection claims, along with date submitted, that haven't been looked at as of today : XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XX/XX/XXXX
10/08/2022 Yes
  • Student loan
  • Private student loan
  • Incorrect information on your report
  • Old information reappears or never goes away
  • GA
  • 30094
Web Older American
In XXXX, my husband co-signed on a XXXX loan from XXXX for his, then at the time, XXXX XXXXXXXX granddaughter with no credit history, to continue attending a university for her XXXX degree. The terms he agreed to for the loan at the time stated that he may be released from the loan responsibilities once he ensured the XXXX made the first XXXX payments. The XXXX did make XXXX payments on this loan before deciding to go back to school for XXXX XXXX XXXX XXXX and putting loans back into forbearance status in XXXX. During this time XXXX XXXX XXXX to release my husband from his co-signing responsibilities and remove the loans from his XXXX XXXX. However, during this time period XXXX apparently sold off many loans and several companies began calling us for payments all of which stated they bought the loan from XXXX. During this time I passed all the information along to my Granddaughter who resumed making payments and currently still making them. She is who is responsible for making the payments on the loan since we were to be released from it in XXXX by XXXX XXXX For years, both Discover and XXXX have been calling and harassing me and my husband for payment and loan information despite the fact that we are no longer responsible and should have been removed from due to upholding our original obligations for the XXXX to make the first 24 months of payments from XXXX. Now, in XXXX as I am trying to get a home improvement loan to cover the cost of an accident I have been denied due to Discover still having my husbands name tied to a student loan for my granddaughter. Each time I try to contact Discover to resolve the issue they refuse to accept that we have full-filled our responsibilities and only try to get us to make a payment. I have sent multiple documents to a representative at Discover with our original agreement with XXXX and payment statements. Each time I speak with a representative at Discover they claim that they have not received the documents. My husband is now XXXX XXXX XXXX, retired, and on a fixed income. We can not get our home fixed because this issue is not being resolved in a clear and timely manner.
03/14/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • MI
  • XXXXX
Web
This is being filed after having a verbal conversation with Discover and realizing clarification may be needed to resolve this issue. More specifically, what I am disputing and what questions I am hoping for Discover to answer. I previously filed a dispute concerning Discover lowering my credit limit from {$16000.00} to {$3300.00}, which directly caused my credit score to decline ( Most Credit scoring formulas use a credit to ratio or debt to credit available as approx. 30 % of the scoring ) As a direct result costing me thousands of dollars. Now Discover may claim I can simply pay off the remaining balance. However I can not control when that information would be updated on my credit file. This is only something Discover can control and it is very simple for Discover to deliberately time and possibly update mid-cycle to cause me more damages. I am asking for Discover to provide me with the specific reasons for lowering my credit limit. Currently what Discover provided is a generalized statement which does NOT provide specifics. I am asking for The credit bureau Discover used to make their decision I am also asking for the date Discover pulled my credit which provided the information used to lower my credit limit. Discover uses their own internal formula when providing credit limits to applicants, I am requesting the table they use when establishing Credit Limits and I want Discover to know if they refuse to provide that information I will continue to request it through a FOIA and if that does not get me this information I will subpoena it. I need to rule out whether Discover acted fairly or in some way discriminated against me or possible retaliated against me due to complaints and lawsuits I have filed against other banks. NOTE : I am aware as a matter of fact, of a platform Banks use to share information and retaliate against consumers. ( This information comes from a family member who has worked in the banking business for over 22 years and has the highest possible security clearance ) Without the requested information, it is impossible to determine if the information Discover used was accurate or inaccurate.
04/24/2017 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • OK
  • 749XX
Web
Prior to the XXXX recession, I was issued a Discover Card w ith a limit around XXXX . I was employed at the time, able to make payments. A week or two afte r receiving the card, I received a call from a telemarketer selling Discover Bank 's protection policy. I was reluctant until the lady started going through all the benefits. I drug my feet, then she said that if I ever lost my job, through no fault of mine, That Discover Bank would pay off the balance owed on the card. In XXXX I was let go from the company I worked for due to the economy. I was also having health issues which prevented me from obtaining further employment, which at the time20 % of XXXX was out of work. I filed for Social Security XXXX which took over 3 years to complete. XXXX is my only sores of income. I currently live on the XXXX XXXX in Oklahoma of which I am a tribal member. Discover Bank filed suit in XXXX XXXX NE . I received the summons, wrote a reply back to the Judge and then never heard another work until I received a notice in the mail that a hearing was held that I knew nothing of so the Judge awarded Discover Bank what they were asking for. I went back to visit with th e Judge stating my side of the story and to remove the judgement. He said it was too late to remove it. He gave me all of ten min utes of his time and then excused from the courtroom leaving me standing there before he heard all of my side of the story. I 've tried to get Discover Bank to dismiss the judgement but they will not budge. After doing research on the internet, I found complaint after complaint concerning Discover Bank operating practices. I 'm not the only fish in the barrel it would appear. There have been class action lawsuits against Discover Bank concerning their protection plan. We are at a stalemate. They can not garnish my XXXX payment and I am holding them to their word. Plus I have not the funds to pay them back. I am a product of the XXXX recession in bad health being held hostage by a disreputable bank. The bank a long written off the debt, selling it to bill colle ctors for what eve r they can get.
11/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 63033
Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately. I demand the following Inquiries be deleted immediately. ALL LATE PAYMENTS REMOVED IMMEDIATELY.
02/22/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • CA
  • 90042
Web
To Whom it May Concern, We are almost exactly a year into a catastrophic pandemic where over 500,000 Americans have died of Covid-19. Maintaining financial stability and good credit are paramount to surviving a cruel and mismanaged federal response. So it was to my great surprise that Discover sent me an email on XX/XX/2021 that stated my {$8000.00} credit line was being canceled, and my account would be closed. " As a result of a recent review of the Discover it card account referenced above, we have reduced the credit line on your account and it will be closed within 30 days from the date of this letter. This action will be taken for the following reason ( s ) : Inactivity on your account ( s ) Serious delinquency Time since delinquency is too recent or unknown '' I contacted Discover on XX/XX/XXXX to contest the cancelation, in which they told me the decision could not be reversed. They followed up on XX/XX/2021 with a phone call from a supervisor who confirmed it would not be reversed. The " serious delinquency '' was a student loan that ( unbeknownst to me ) was not covered by the CARES act and went a few months unpaid. As I am unemployed ( due to the pandemic ) I resolved the issue with the student loan lender by deferring payment, but they refused to reverse the derogatory mark. This has created a cascading effect, where several of my credit lines have been attacked. XXXX XXXX attempted to reduce my XXXX credit line. Now Discover. What's next? The " inactivity '' was me trying to be frugal in an incredibly stressful period in AMERICAN HISTORY. I didn't use the card, because I feared getting into debt when there is limited income. This decision by Discover is unreasonable and needlessly destructive to my credit, in a time when uncertainty is incredibly high. To kick those who are down, who have played by rules, and are just trying to survive is borderline criminal. Something must be done. My credit score has plummeted 150 points overnight. These credit card companies must not be allowed to continue with their tone-deaf policies. And rhis must be happening to millions of other Americans. It's not right.
01/07/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • GA
  • 304XX
Web
There is an on-going issue with Discover Bank, where I am not able to manage/access my checking and savings account with this bank. Each time I attempt to perform any banking transactions, my account is locked/frozen/blocked from me accessing it, which lead to having to call Discover Bank customer service and waiting for an agent. Recently, this account was frozen for 21 days and was unlocked on XX/XX/21, with the excuses given that suspicious activity was the cause of my account being frozen. As of XX/XX/21, after attempting to use XXXX, my account was locked out yet again, which I had to call customer service to speak with a fraud specialist. XXXX verified information on my bank card and then informed me that she had unlocked my account. She suggested that I log-in again while she went to do research on my account. While she had me on hold, the account was locked out yet again, just for me actually logging in to the account. XXXX said she would create/open a case in regards to this issue, because she didn't see anything wrong that would prevent me from accessing the account, that everything was good, but yet, I wasn't able to log in. She suggested that I wait until the following day to try to log in again, after the case had cleared their systems. She placed me on hold for a few minutes to check my log-in history and then came back on the line to tell me that someone in Virginia state had attempted to log-in to my account multiple times. She suggested that I change my password and possibly have my account ( s ) reissued, but I needed to wait the 24 hour period to reset my password first, to see if that would solve the issue. This problem of my account being locked out/frozen/blocked access has been going on for a very long time and it's getting to be a big annoyance, especially when I have to wait on hold to get to an agent and then get to an agent and then have to listen to the same story of no one really knowing what's happening with this account. This is a headache that has caused a great deal of emotional stress, that Discover Bank doesn't seem to actually care about, being that they haven't fixed this issue.
11/01/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 94704
Web
I received an email from Discover Card around XX/XX/XXXX, saying that one transaction was declined. I hadn't been using that credit card for a long time, so I checked the phone app and noticed a series of fraudulent transactions. I called Discover, and they stopped the card, and started a fraud investigation. In late XXXX ( or early XXXX ) XXXX, I again noticed and reported to Discover lots of fraudulent transactions on my account, which were also impossible to be made by myself because I was physically abroad from XX/XX/XXXX to XX/XX/XXXX. Discovered investigated both incidents, and concluded in late XXXX that there was " no fraud '', and I am responsible for all the transaction. The total amount of all fraudulent transaction from XXXX to XXXX was roughly XXXX dollars. Frustrated by Discover 's investigation result, I filed a police report with University XXXX XXXX Police Department on XXXX XXXX, hoping they can assist me with the issue. In my communications with Discover, I have repeatedly provided the following facts that clearly suggest I am the victim of a fraud and should not be responsible for the charges : 1 ) The fraudulent transactions took place in California, but I was outside of the United States from XXXX XXXX, XXXX to XXXX, XXXX, XXXX. This can be proven with a detailed Homeland Security travel record that I provided Discover on XXXX XXXX. 2 ) I had possession of the physical credit card ( ending in XXXX ) the ENTIRE time I was abroad. 3 ) During the time I was abroad, nobody except for USPS mailmen would have access to my locked mailbox, because I brought the keys to my apartment and mailbox abroad with me too. No one could have access my locked apartment, a very safe XXXX XXXX XXXX XXXX, and there was absolutely no sign of break-in. 4 ) I have never given anyone access or permission to use my credit card ending in XXXX, which I kept with me all the time. 5 ) There was no possible way for me to receive, activate, or use any credit card that Discover may have sent to me during my time abroad. 6 ) When I came back to my apartment on XX/XX/XXXX, there was no credit card from Discover in my mailbox.
11/23/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • GA
  • 30093
Web Servicemember
OMG discovercard just copy paste the same exact false statements again & again after openly ignored my over 15 questions from case XXXX Lie 1, Not true that you couldnt contact me before XX/XX/XXXX. Lie 2, Fraud happened in XXXX reported around beginning of XXXX you only allowed less than 30 days investigation before your unilaterally paying & closing the ID theft case in XXXX, however i still managed to return your call from XXXX, and XXXX was the only rep who has tried calling me before XXXX. Our convo was to confirm that XXXX XXXX submitted ACTUALLY my LOST & STOLEN EXPIRED DRIVER LICENSE. Pls be mindful that i have faxed you my current valid driver license in XXXX later just to show you its a different ID., so you cant fraudulently use my faxed copy for the XXXX XXXX id theft submission although you have been hiding from me. Lie 3, You have never showed anything provided by XXXX XXXX, when you say XXXX gave you a valid copy of my id which is an obvious fraud contradicting from what i have confirmed with your agent XXXX before XX/XX/XXXX. Lie 4, when i have informed you by email inbox messages & by phone that i need over two months time abroad to handle parents death and you agreed to give me ample enough time for the investigation, yet you close the fraud investigation WITHIN LESS THAN 30 days after my phone convo with XXXX, NOT XXXX the actual investigator on your file. Lie 5, your so called invalid report was 1 of the two permanent reports, i gave you once the temporary # while abroad but later updated you with permanent report #. You cant be irreasonable and ignored all the valid legal reports and facts given. All these 11 months discovercard has put my credit through indescribable miseries took a lot of tolls on top of my households financial hardship. Per the two lost & stolen and ID theft police reports outlined, I demand government institutes like CFPB to do a legal audit on this discovercard fraud handling, to clear out all the lies above and much more discrepancies that have been mentioned in my previous case. PLS CONTINUE TO USE PREVIOUS ATTACHMENTS, COULD PROVIDE MORE UPON REQUESTED.
10/02/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • 77044
Web
A private ledgering instrument was sent to Discover Card Services for the account number XXXX, they credited my account for {$15000.00} for the lost payment sent in XX/XX/XXXX which was addressed to XXXX XXXX in the Executive Office Of Customer Advocacy Department, XXXX XXXX instructed me to send a restrictive endorsement per letter attached, the tender of payment was signed for and the certified mail receipt is attached with the person who sign for tender of payment, the payment of {$15000.00} has since been reversed because they cant find the tender of payment signed for, I have called of several occasions with no responses on call return when requested. Please see the attached documents and the need to correct their billing error. I have also instructed Discover Card Services to contact the IRS commissioner if they do not understand what to do with tender sent for this account # XXXX. Re : TENDER OF PAYMENT TO CREDIT ACCOUNT In the matter of XXXX I XXXX, Account number XXXX, concerning CREDIT on account and as of to-date my account is still missing the tender of payment of {$15000.00} In XXXX of XXXX, another form of tender was sent in the amount of {$25000.00}, hereinafter TENDER, for the credit of Account Number XXXX, hereinafter ACCOUNT was e-filed with the Internal Revenue Service XXXX and duly accepted by same. IRS acceptance notification received, by the Undersigned, on XX/XX/XXXX. Therefore, XXXX XXXX XXXX, requests that the balance of the ACCOUNT be adjusted to reflect the ledgering of said TENDER of {$15000.00} and the tender of {$25000.00} accepted by the IRS to send credit to Discover Card Services. Please note that contracts requiring legal money such as cash, check, money orders, bank transfers, wire transfers, and Federal Reserve Notes ( DOLLARS ) are illegal and unlawful by Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258 ( XX/XX/XXXX ). XXXX XXXX XXXX has tendered private credits through the use of XXXX XXXX XXXX XXXX account to credit this matter. There is no intent to act in any fashion other than to properly reconcile the books and credit the matter accordingly.
01/12/2017 Yes
  • Credit card
  • Delinquent account
  • TX
  • 75093
Web
My complaint is against DISCOVER credit card company, who filed an unjust credit report against me to XXXX. I have been a Discover customer since XX/XX/XXXX, owning a Discover credit card. After opening this card, I have registered it online and asked for " paper-less statements and payment notifications '', giving my email address. Every month the statements and payment notifications were sent by Discover to my email. Based on that, every month I paid my statement in full and on time. During the year of XX/XX/XXXX I have used the Discover card much less. On XX/XX/XXXX I found out, purely by chance, that I had missed the XXXX payment ( {$48.00} that had been due on XX/XX/XXXX ). I immediately called Discover and made the payment. After further clarifications it became clear that my email address had been corrupted in their system, showing a weird domain name, instead of " XXXX ''. As a consequence, I had stopped receiving notifications about statements after XX/XX/XXXX. When I found out that Discover reported me to XXXX ( and possibly additional Credit Bureaus ) for " 30 days non-payment delinquency '', I 've called and requested them to cancel the reporting to the credit bureaus, since the delayed payment is a consequence of the glitch in the Discover system, but their representatives refused to remove the report. In three subsequent conversations, on XX/XX/XXXX, with several representatives and two supervisors, I asked to be contacted by a manager. No attempt was made by Discover to call me back. An additional attempt made by me to talk with a supervisor on XX/XX/XXXX failed, the call was disconnected - and nobody called me back. My written dispute to Discover ( via messaging on discover.com ) was addressed by XXXX, " Escalations Manager ''. XXXX inaccurately claimed " we did try to get in contact with you and left a voicemail on the phone ''. No such thing happened, as my phone records can prove. As of today, XX/XX/XXXX, I have not heard back with a resolution, and have decided to submit this complaint to CFPB, as I feel that I 've exhausted any possibility of receiving fair treatment from Discover.
09/07/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • OH
  • 445XX
Web
Thank you for submitting the requested documentation to verify information on your account. We are not able to complete our review at this point and further action is required of you. IMPORTANT : Your account will be closed on the previously communicated due date if you are unable to provide the requested, corrected documentation. While we received the documentation, certain aspects were either incomplete, illegible, or invalid. Below are common errors that can occur during the documentation submission process : Line 3 : Please review to ensure your current address has been accurately entered. Line 4 : If you filed a tax return in the last 2 years with a different address than what is entered on Line 3, please fill in the previous address shown on that tax return. Otherwise, please leave this field blank. If you have any questions or require a new 4506-C form to be sent, please contact Discover Customer Protection Services at XXXX, or call the number on the back of your card. We appreciate your prompt attention and cooperation. Sincerely, Discover Financial Services. THIS IS A RESPONSE I JUST RECEIVED FROM DISCOVER AGAIN. THREATENING TO CLOSE MY ACCOUNT. I FILLED OUT THE FORM. I HAVE BEEN ON XXXX SINCE XX/XX/2010 AND BECAUSE OF THAT HAVE NOT FILED TAXES SINCE I BELIEVE 2010 WHEN I GOT APOROVED FOR XXXX. I FILLED OUT THE FORM AND DISCOVER EMAILED ME THE ABOVE RESPONSE. PLEASE HELP ME RESOLVE THIS I HAVE SUBMITTED MORE THAN ENOUGH DOCUMENTATION TO PROVE MY IDENTITY. BUT IT SEEMS LIKE DISCOVER IS HELLBENT ON CLOSING MY ACCOUNT. MAKE STATEMENTS THAT SEEM A RATHER PECULIAR. FIRST STATING I HAVE NOT FILLED OUT THE REQUESTED FORM AS THEY ASKED. I UPLOADED THAT TO SHOW I DID. NOW TAKING THE STANCE THAT ITS INELIGIBLE INCOMPLETE OR INVALID I UPLOADED MY XXXX FROM IRS WHICH ALSO PROVES MY IDENTITY ALSO UPLOADED THE NEW EIN NUMBER BECAUSE I SWITCHED TO XXXX I HAVE REQUESTED DISCOVER CONTACTS ME THRU THIS AGENCY. SO NO MORE GAMES CAN BE PLAYED OR SO STATEMENTS OF NOT BEING FILLED OUT ETC CAN ALL BE UPLOADED HERE SO THIS CAN BE RESOLVED. I AM ALSO UPLOADING SOCIAL SECURITY BENEFIT STATEMENT
05/22/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MI
  • 48101
Web
I have been going back and forth with Discover Card for the last 3 months. I have lost at least 1.5 days off of work having to talk with different departments within Discover Card company. Beginning in XXXX, 2017, through XXXX, 2017 ; I found that my card was charged over XXXX in charges to one merchant ( XXXX XXXX XXXX ). I only found this out when I received an email from the company that my credit card was at it 's limit. I talked with at least 10 representative stating that I did not make these charges over the course of 1 week. I was at first credited the charges on my account, and then after their ( Discover 's ) investigation stated that I am responsible. I then spoke with Discover and asked them what measures they have to protect me if charges are made to my card that are EXTREMELY set afar from my normal uses. Again, I was told that they will investigate. On X/XX/17 Discover credited my account for {$5500.00} stating it is a transfer balance. I received no notice or explanation. They also credited my account for {$780.00} on XX/XX/XXXX. When I seen that they credited my account for the full charges, I immediately paid off any other balance and closed the account. I told them the reason is I had no protection from this company and I was very unimpressed with how they treated me as a customer. Today, I received an email from Discover stating this : This is an alert that you set letting you know when your Discover card account balance is over {$500.00}. Unless your alert amount is set at your credit limit, this does n't mean that you 've gone over your credit line. Balance Alert Amount : {$500.00} Current Account Balance : {$5300.00} Credit Line : {$7200.00} Date Exceeded : XXXX XXXX, 2017 They have now charged my card again, yet a different amount of XXXX. My brother works for the XXXX XXXX and he said, before calling the company again, to seek assistance with the Protection Bureau. I have included the last 5 months statements to show the transactions the company continued to approve and the proof of transfer balances, credits, etc. Any help in getting this resolved would be greatly appreciated. Thank you
07/13/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • TX
  • 78728
Web
On XX/XX/2021, Discover offered me a promotion - " Youll get a {$45.00} statement credit when you activate this offer and sign up for a new {$45.00} XXXX XXXX XXXX membership online or in club with your Discover Card by XX/XX/2021 ''. Here are the terms from the email " Offer valid when you purchase a new {$45.00} XXXX XXXX membership. Offer good when you join online or in-club as a new Club member. New member can not have been a member within the last six months. Offer may not be combined with any other XXXX XXXX offer or promotion. By accepting this offer, you authorize annual recurring charges to any card on file for your XXXX XXXX membership fee ( s ) plus any applicable taxes at then-current rate every year until you cancel. Visit XXXX or a club or call XXXX for full terms or to cancel autorenewal. Offer excludes Plus membership, membership renewal, membership upgrades, add-ons, additional memberships, pre-paid membership or XXXX XXXX Gift of Membership. Only memberships bought in the United States are eligible for this promotion. Only one statement credit per new primary member. XXXX and XXXX XXXX associates are not eligible for this offer. Must be 18 or older to purchase a membership, and membership is subject to qualifications. Offer eligible only if activated via the link in this email or site when you use your Discover card to purchase a {$45.00} XXXX XXXX membership now through XX/XX/2021. Offer fulfilled as a statement credit within XXXX billing cycles after the end of the promotion. '' I made the purchase using my Discover card on XX/XX/2021. Every month, I contacted Discover to ask where my credit was and they said it would take 3 billing cycles from XX/XX/2021. So I contacted them again on XX/XX/2021 and they informed me that some people that applied for this promotion did not qualify, but that they could not provide me with any reason or information for why I did not qualify. Then, I showed them my offer email and asked which condition I did not meet and they told me that I may see the credit by XX/XX/2021, but did not explain why they suddenly changed their mind. How does this make any sense?
09/23/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 763XX
Web
XXXX - Purchase date for 3D printer - I paid with my discover card through XXXX to the manufacturer XX/XX/XXXX - Asked to return the printer ; return label was sent by manufacturer XX/XX/XXXX - shipped the printer back to the manufacturer?? Filed a dispute with Discover card to stop payment on the faulty printer XX/XX/XXXX - Discover denied the dispute ; we appealed XX/XX/XXXX - Discover denied the dispute ; we appealed XX/XX/XXXX - Discover denied the dispute ; we appealed XXXX - Threatened the manufacturer with charges of theft ; at this point they had my money and the returned printer, from my perspective. ?? - Manufacturer got back with me via phone and said that XXXX told them that Discover ruled in favor of ME in the dispute. Discover denies this. Manufacturer agrees via email to refund me the money, but won't do it until the payment is processed through to them. Manufacturer says that XXXX is telling them that they haven't received notification from Discover that the dispute has been resolved in the manufacturer 's favor. Today, I spoke at length with Discover asking them to email me proof that the dispute resolution has been sent to XXXX. They agreed to mail me a copy of what they've already sent me, but will not produce proof of what they sent to XXXX. Discover will not send the required notification to XXXX to release the payment to the manufacturer, therefore the manufacturer will not process my refund. Now, I don't have the money ( ~ {$1900.00} ), I don't have the faulty or a working 3D printer, and I don't have any way to prove to the manufacturer that they will get paid so that they can refund the money. To the best of my knowledge either XXXX or Discovercard has the money. The manufacturer has the returned printer. I have nothing. Purchased a 3d printer to make masks for local first responders due to COVID. Time sensitive purchase. The printer came in and never worked correctly, so I returned it. The manufacturer at first told me that they couldn't refund my money because of their return policy. So I began a dispute with Discover Card. Discover Card ruled in favor of the manufacturer.
07/07/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Don't agree with fees charged
  • WA
  • 98155
Web
I have a private Student Loan through Discover. The already outrageously high interest rate ( 9.875 % ) raised without notice to 10 % this statement. This is the second time this year the rate has increased. This time, however, no notice was provided for the increased rate. I 've previously tried working with the loan servicer to find out how I can reduce the interest rate ( whether through refinancing through Discover or any other means ) and they have been unhelpful. Aside from the fact that my auto loan and mortgage have interest rates that are nearly half that of my private student loan, I am concerned about the rate continuing to increase. Furthermore, I have attempted contacting the servicer for an explanation on why the rate has increased without notice, and a request to return the rate to what it was before the increase happened ( again, without any notice to me ). Not only has Discover not addressed my concern, Discover simply has not engaged with me. I have not received any communication since my inquiry, several days ago. I 'm worried that I have an outstanding debt to a private institution that operates similarly to a gang lord ; Discover charges me what it sees fit, and does not service my account, and I simply do not have a voice with them. Every month, I pay XXXX to XXXX times the minimum payment, in an attempt to be out from under this debt from an unfair provider. The feeling of despair and hopelessness grows more each time they chose to unjustly raise the interest. What is more troubling, the interest steadily started rising as soon as I started paying more than the minimum. It is as though Discover was dead set on making a specific profit from my account, and now that I can afford to pay more to the account, they will make up for the fact that I will be debt free sooner by charging me exorbitant fees lacking representation. I do understand that this loan has a variable rate ; however, if my provider is going to exercise it 's right to increase the rate, it absolutely must give me proper notice. It was the only thing that separated it from a slum lord, and I fear I do n't even have that now.
06/14/2023 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
  • MI
  • 48083
Web Older American
I am a cosigner for a private student loan now being handled by Discover. The Account Number is XXXX. These three loans, XXXX, XXXX, and XXXX were taken out approximately 15 years ago. The total three loan balance payoff is {$18000.00}, which I confirmed with XXXX on a XX/XX/XXXX phone conversation. The principal balance of the three loans is {$7000.00}. The amount paid on the loans to date is {$25000.00}, far more than the original amount of the loans. I can't get an accurate history because the loans have been sold multiple times. What is extremely disturbing is that the interest on the loans is {$17000.00}. My daughter took these loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX She was very ill and unable to care for herself. With the loss of income she sustained, she was forced to file Bankruptcy, and was recently facing eviction from her apartment. She has just started working again, and is unable to pay this amount every month. I am now retired and receive social security. I asked to possibly negotiate a settlement, but was told that is not an option. Discover has temporary payment assistance and consolidation, but those options just add to her existing balance, which if you look at the paperwork, she will be repaying {$26000.00} on a {$10000.00} loan now at 13 %. That's just on one of the loans. How does the government justify allowing banks to take outrageous amounts of money in interest from people struggling. {$17000.00} in interest after already paying {$11000.00}. This is sickening. This woman worked on a XXXX XXXX XXXX for a year and a half, despite the fact that she is a XXXX XXXX with a XXXX XXXX XXXX. She was also a XXXX on an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXShe 's in debt up to her ears for chosing this profession. There should be some kind of regulation on banks with regard to private student loans.This is terrible that banks are allowed to do this.
10/18/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NC
  • 28806
Web
There was an ongoing dispute with Discover about a {$500.00} charge on my account for almost two years. I paid the account while it was in dispute then Discover repeatedly removed and put back the charge for two years. During this time they added multiple late fees and interest charges to this charge, even though they claim they don't do that to disputed charges. I requested my account be closed and they owed me money since I had overpaid for everything while it was in dispute. However they never sent me any money. Finally in XX/XX/XXXXXXXX they agree that the charge was fraudulent and sent me a notice saying so, several months after my account was closed and they never sent me a ) refund check for the overpayment b ) my cash back rewards. Since my account was closed I could not log in to check my overpayment status and when I called they could not give me any information and told me someone would call me back and they never did. Today XX/XX/XXXX they decided to list my account as a charge off on the credit bureau even though I have had a negative balance for the last 7 months as they owed me money. Now they are saying I have a {$10.00} past due balance even though they still owe me money. The transactions listed are late fees that should have been removed and it looks like they used my cash back rewards without my consent to go to any fees for late fees and whatever bogus transactions they added to my account. The current transactions listed for 6 months ago do NOT match the old transactions. THIS ACCOUNT WAS IN PERFECT STANDING. IT IS NOT A CHARGE OFF. DISCOVER OWED ME MONEY AND ADDED LATE FEES AND INTEREST TO A BOGUS CHARGE FOR MONTHS, REFUSING TO INVESTIGATE THE FAKE CHARGE. THIS IS DISCOVER 'S DESPERATE ATTEMPT TO MAKE MONEY OFF SOMEONE WHO NEVER PAID LATE OR CARRIED A BALANCE IN THEIR ENTIRE LIFE. NOW THEY ARE STILL TRYING TO MAKE MY ACCOUNT LOOK BAD. Please investigate this and have Discover correct the account and send me my check. Please be advised THIS WAS THE THIRD FAKE CHARGE TO MY ACCOUNT WITHINT ONE YEAR and Discover also refused to investigate the first two, forcing me to pay them.
07/27/2015 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • MD
  • 20876
Web Older American
On XX/XX/XXXX, I sent through CFPB XXXX Case # XXXX XXXX, a dispute on an unrecognizable entry XXXX Discover credit card, joint account ) on my credit file that was not mine. After Discover 's investigation, on XX/XX/XXXX, I received Discover 's final response ( through CFPB ) which reads in part as follows : " Based upon your assertion that you were added to the account without your knowledge, as of XX/XX/XXXX we have removed your name from the account and sent updates to the credit bureau reporting agencies requesting that the account be removed from your credit files. Please allow some time for this update to reflect on your credit reports. The Credit Bureau Reporting Agencies that we report to are XXXX XXXX, XXXX and XXXX. " On XX/XX/XXXX, about 7 months later, I contacted XXXX to make sure they did what Discover requested them to do and that was to remove the Discover listing from my credit file. It was not done. To find out why it was not removed, XXXXat my request, XXXX sent my dispute reinvestigation request to Discover and Discover responded XXXX via XXXX XXXX which reads as follows : " We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. " I do not know what 's going on here. The Discover letter XXXX dated XXXX/XXXX/2014 ) I received and the Discover representative assigned to investigate my dispute through CFPB case # XXXX, that the case was closed ( desired resolution in my favor ) and that Discover has removed my name from the account and sent updates to the credit bureau reporting agencies requesting that the account be removed from my credit files. So with all that being said, why is Discover saying that the account belongs to me when they stipulated in the closed resolution letter dated XX/XX/XXXX enclosed, that they had taken action to remove my name from the account and so forth as stated above. There seems to be communication problems within Discover for the reason this action should have been taken care of months ago. ( removing my name from account and XXXX removing Discover listing from my credit report ).
05/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60629
Web Servicemember
I am writing to request an accounting of the amount owed under the security agreement between us, as governed by UCC 9-201. As a responsible debtor, I believe it is important to ensure that both parties are aware of the exact amount owed, as well as to verify that your records are accurate. Accordingly, I am requesting that you provide me with a statement of account that includes the amount owed by me, the amounts I have paid, any credits or offsets against my account, and the remaining balance owed by me. Pursuant to UCC 9-201, I am entitled to receive this information at any time before my debt is fully satisfied. I am requesting that your company send me a full audit trail of my COMPLETE file, transactional history NOT bank statements, and accounting ledger that is authenticated by a secured party pursuant to U.C.C 9-102. UCC 9-201 is a section of the Uniform Commercial Code, which governs secured transactions in the United States . It outlines the rights and responsibilities of both secured parties ( creditors ) and debtors in these transactions. A " request for accounting '' under UCC 9-201 refers to a request made by a debtor to a secured party for an accounting of the amount owed under a security agreement. This request can be made at any time before the debtor 's debt has been fully satisfied. Once the request is received, the secured party must provide the debtor with a statement of account that includes the following information : The amount owed by the debtor The amounts paid by the debtor Any credits or offsets against the debtor 's account The remaining balance owed by the debtor The secured party is required to respond to the request for accounting within a reasonable amount of time, and failure to do so may result in legal consequences. Please note that if this information can not be provided, I kindly request that you delete this account from my credit report as it is my right as a consumer to ensure that my credit report is accurate. I am confident that you will respond to my request in a timely and professional manner as I understand that you have certain obligations under the law.
03/08/2022 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 92084
Web
On XXXX XXXX, XXXX we were pre-approved for a home equity loan from Discover Home Loans, after an initial phone call with an agent. That same day, we received a list of items to upload to the portal to start the formal application. For weeks, we received requests for more documents -- sometimes the requests were for documents already uploaded once. Each time, we uploaded the documents, as requested, but were concerned that it seemed like there was a glitch in the system. Finally, we received a number of emails from the assistant of the personal banker assigned to us that everything looked in order and they would be forwarding to the underwriter. But then requests continued, and often did not make sense. For example, requests for W2 forms despite the fact that they knew we were self-employed. One of the last straws was when the underwriter 's manager made a false assumption and arbitrary decision to omit some of my Schedule C income because I had moved to a different state, so my income from the prior state must have stopped. This false assumption continued even after I explained that my work as a consultant was the same no matter where I lived. I had a long-standing contract with the same company and the same income level. My Schedule C income was the same in XXXX, XXXX, XXXX and XXXX. I offered to share a copy of my contract, but they were not interested. The very last straw was speaking to a personal banking supervisor who could not track what was happening, and kept referring to the wrong documents in his attempt to back up the underwriters. It felt like gaslighting. He mentioned that they had closed the file in XXXX, and there was nothing more that could be done. But it was XX/XX/XXXX and this was the first I had heard of it. Indeed, I had had at least 4 phone calls with the personal banker, attempting to rectify their errors, and it had never been mentioned. Truly, an unimaginable nightmare with Discover Home Loans which wasted hours and hours of my time. I am left to wonder whether it was some form of discrimination, a scam, or some other unethical/illegal thinking that drove this process.
10/10/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MN
  • 55416
Web
after giving a substantial amount money to Discover card for a prepaid card & waiting for it ; after I received it, I activated it and tried to set up an account on their app. they took a substantial amount of information to set up the card, they took my money. Immediately, they had me enter more private information to try open up the account, so I can actually see, and use my account on their app, and the system would not work to let me set it up. I followed their parameters meticulously. I took precious amounts of time to follow their customer service direction that sent me to another customer service that sent me to another customer service. during one of these brief encounters, they had me set up a different way of addressing this failure of their IT or business practice being set up to exploit lower income & credit disadvantage people people. The last attempt at trying to set up the account. They had me enter four digit code instead of a user ID and it said it can not do it. yeah after all the grief they gave me and canceling my card this morning I get congratulations. Your four digit code is ready to go after it told me it could not work. I have many screen shots of my attempts and names, ids attempted of setting up the account user ID and enter the four digit code, along with a copy of their parameters for these, and it would not let me. With their customer service less than motivated to solve the problem or address information, I gave them basically completely ignoring it, I was terrified that they had all of my information and they're now making my credit worse putting it at Jeopardy more. after I went to close the account, they tell you that you don't get your money for over two months. I am not a lawyer I can not afford a lawyer I can not afford to have them sitting and rolling around in my money that they took so easily, but will not address their failures in their IT. I hope this agency has some understanding of what they may be at fault of or if you just all in bed with them I am shocked at how this played out. I am terrified of what they've done to my credit now and they have my money.
12/10/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60618
Web
in XX/XX/XXXX i told XXXX precisely the garage door opener system i had and ordered the opener remote control item they said would work. it did n't. completely wrong. also no invoice was enclosed with the item, but the charge ( {$82.00} ) appeared on discover. after trying unsuccessfully to make it work XXXX sent me a second, different product, which did work. i asked for a shipping label to return the first, incorrect item. they sent me a label for the second, correct item which i wanted to keep. i contacted them again on XX/XX/XXXX and they said, " Upon checking on the order, I have see that you can return the item on store. Visitor ( XXXX GMT ) : ok thanks. i 'll take everything i got with me. XXXX ( XXXX GMT ) : Please visit store with your invoice and our team will help you! '' so i went to a XXXX store where they refused to take the item back. they said that they did n't carry it. i contacted XXXX again on XX/XX/XXXX and after a long talk, XXXX could find no record of the first purchase ( wrong part ) : " XXXX ( XXXX GMT ) : I believe in keeping transparency. The order number provided by you does not show up in your order history. '' i gave them every number on the package i could find plus they had my name, address, date of transaction, part number, etc. still they found no record, so they would not let me return the item. now discover has sided with XXXX, saying i must provide proof of return in order to get the charge reversed. I mailed discover transcripts of all chats ( several pages ) documenting that XXXX sent the wrong part, sent me the wrong return label, told me to go to the store where they refused the part, and finally had no record of me ever buying it so i could n't return it. how can i get proof of return when XXXX wo n't let me return it? i think i have done far more than my share to resolve this, including more than an hour and a half on chat and wasting time and gas driving to the store as they directed me as well as printing and mailing pages of transcripts along with every number concerning the part that i can find. sorry this was long. thank you for your patience. XXXX
10/28/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • GA
  • 30318
Web
I applied for Discover It Student Credit Card online on XX/XX/XXXX, uploaded and signed the documents they asked for, got the physical card on XX/XX/XXXX, and get activated that day. But on XX/XX/XXXX, when I tried to use my card to purchase a dinner, it did not work. I called Discover, and they blame me for signing a document, 4506-C, that they asked for in the email. They claimed that I should have called them because that's what they said in the email, which was not true. Here is the email. " " " " " Discover Financial Services requires your consent to receive income information from the Internal Revenue Service ( IRS ) to verify information on your account. You can expect a separate email from " Verification Services '' ( sent via XXXX ) with the subject line : " XXXX XXXX '' Has Sent You IRS Consent Form 4506-C to Sign. Please follow the step-by-step instructions in the email within five days. Note : If the email is not in your inbox, please check your junk mail or spam folders. Prompt action must be taken in order to validate your account information for continued use. Until this verification is complete, a temporary hold has been placed on your account. If for any reason you are unable to complete the consent form, please contact us directly at XXXX, or call the phone number on the back of your card. Once Discover has received and processed the IRS information, you will be contacted in writing to advise that the review of your account is completed. We appreciate your prompt attention and cooperation. Thank you, Discover Financial Services " " " " " They certainly ordered me to sign the document directly in the email. But the operator of Discover on XX/XX/XXXX claimed that I should have called them, so I don't need to sign the document, but they would have requested me to upload my bank statement, which I've already done during the application. So basically, she blamed me that it was my fault to sign the form, and that's completely false. But I certainly believe I was not wrong, which is the reason I'm filing a claim. So be careful when dealing with Discover, so unprofessional.
01/10/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • XXXXX
Web Servicemember
I am writing to request an investigation regarding my dispute for XXXX XXXX merchant for {$70.00}. I was told by several Discover representatives over the phone that kind of dispute was not something discover does. I spoke to two discover reps and they were rude over the phone and did not want to proceed with the dispute or reopening such dispute. On XX/XX/21 at XXXX I called and representative XXXX did not want to discuss dispute and was rude and refused to let me speak to a supervisor. XXXX said that a supervisor would call me within XXXX hours but nobody did. I think she did not put the request. About the dispute XXXX stated that this kind of disputes was not something Discover did. She advised me that the food was provided and since I had stated that food was not as described and defective is not something she could help with. She advised me to call the merchant and request a letter from them stating that they will provide a refund. XXXX was so ridiculous. I mean who is going to request such a letter. Then on XX/XX/21 at XXXX I called Discover again to discuss dispute and to see why a supervisor had not called me. XXXX a supervisor took the call and she also refused to discuss the dispute and told that such dispute with food quality we dont dispute that kind of issues. She also stated that the hamburger was not cooked well and had bones in it and ribs were dry. She abruptly said I chose to get food and I took it therefore I am responsible for it. Very unprofessional and rude representative as well. Some of these reps are not all that knowledgeable about the rights of customers. I was never also provided with documentation from the merchant for my own review. Surprising that I was told this by two representatives taking into account that this is not my first time filing a dispute regarding food that is defective or not as described. I told both reps that I would file a complaint and they reacted as they did not care or that their job was not in jeopardy. Totally arrogant attitudes. I believe that my rights as a cardholder were violated. I request that my dispute be resolved in my favor for {$70.00}.
03/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • CA
  • 959XX
Web Servicemember
As to XXXX XXXX 's response on behalf of Discover case # XXXX, the new basis of my complaint given your response is you are required by law under the FCPA and it's underlying regulations to immediately remove and immediately cease furnishing inaccurate information. To be clear, specific, and to help in your actually responding to my complaint ; per your own response, a payment made by myself on XX/XX/2019 was returned by XXXX XXXX on XX/XX/2019?? A month later? Under what cause? And by whose authorization? Then, again by your own report, a payment of {$500.00} made on XX/XX/XXXX was also returned by XXXX XXXX on XX/XX/XXXX? Again, I ask under what cause because on both you state unauthorized, is that akin to claiming fraud? Again, who made the claim and on both, you fail to state after two returned transactions as " unauthorized '', what contact did Discover have with me on either as to verification, etc? After the first returned funds under " unauthorized '', was my card shut off? Any security measures made? Any contact with me? Then my account was closed on XX/XX/2019. My claim is clear, those returned payments were done under identity theft and fraud, I never once authorized, filed claim on, disputed any payments I made. And for clarification, how is a payment made out of my account a month later deemed unauthorized? Does that mean XXXX XXXX was claiming someone was making my payments for me? You have, continue to report inaccurate, misleading, information which again you are well aware. Under the FCPA, that was to cease immediately long ago. This is the clear basis for my new complaint, I am again notifying you as you were also provided a police report, FTC Report, and next attorney general 's report that I was a victim of identity theft and fraud. Further, XXXX XXXX has just two days ago admitted in writing I informed them the payments taken were legitimate and admitted they were lawfully responsible to repay Discover immediately. It couldn't be a more clear case. Please feel free to dispute anything specifically stated here, please do not devalue this agency nor the Laws under which you are bound.
02/19/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • NC
  • 27265
Web
Discover Credit Card- Discover sent me a email stating there were multiple fraudulent charges mentioned on my account. I confirmed with the creditor which purchases were fraud and they proceeded to mail me a new card. I received my new card but, before I could use it I received another email ( from Discover XXXX that IRS needed me to complete a 4506-T form for account verification. Skeptical, because my account was recently hacked, I asked the Rep to verify my account info before I complete the form. The representative refused. I proceeded to disregard the request at the risk of it being fraud due to the recent activity with my account. Yet, I still completed the form because- it's the IRS ! I began receiving more of the same request and was contacted by a representative. I informed the rep that I completed the request and he proceeded to tell me to disregard his call. I then received a email from Discover on XX/XX/2020 stating " we need to talk right away ''. I returned the call within 48hrs just to be told my account was deactivated " due to business reason. '' I asked to speak to a superior for better justification but she could not get a Manager to answer the call. The representative took my information and complaint to have my request reviewed by a manager for a return phone call. I never received a call back from Discover, but I contacted them AGAIN for reason why my account would be deactivated ( XX/XX/2020 ). The representative now discloses that my account was closed because of an address dispute. This is poor Management at the least, but discrimination by a company with such history could be argued. I am a XXXX XXXX who gets appointed to sites for work. Therefore, I have a primary address and my current address. Such a clerical justification could have completely allowed for customer satisfaction if properly considered. But, that's not the case in this matter. Instead, the customer has to have a blemish on their credit report : aging history, debt to income, etc. Not to mention, I never had a late payment with the creditor. I hope you consider my complaint reasonable and justified. Thank you,
09/19/2016 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't decrease my monthly payments
  • PA
  • 15227
Web
In the XXXX, Discover nearly quintupled my monthly payment from {$120.00} per month to {$580.00}. I have explained to them countless times that I am unable to afford that type of payment per month. I have informed them that I am very willing to meet somewhere in the middle. In return, Discover has done the following : - Discover allowed me to go back on the graduated repayment plan in XXXX of XXXX, but again quintupled the monthly payment despite my countless testimonies that I was unable to afford what they demanded was the required monthly amount, even after I provided income verification, a fair monthly payment range that was almost three times more per month than the graduated repayment plan amount, stating they were n't able to do so, without any explanation why, at any time. - Discover has refused any type of loan modification in any capacity. - Discover has told me for three years now that they will be introducing new types of repayment plans that would allow me a lower monthly payment, they have not done so at any time. - Discover has put me on what is known as the " Payment Extension Program '' several times, which, over the phone, forces me to sign up for automatic payments on a three month basis, only broken down on a per loan basis, which still does not provide any type of loan modification that leads to a monthly payment reduction, causing me to fall further behind on my payments despite repeated attempts by me explaining that I can not afford the monthly payment they are refusing to negotiate on. - The outright lies by Discover, especially on their recorded phone conversations about new repayment programs that have never come to fruition, and how the " Payment Extension Program '' will supposedly make my account current, has in turn caused my credit score to suffer severely, and I am concerned that I will never be able to repair it due to the damage Discover Student Loans and their unwillingness to modify the loan repayment terms on a monthly basis to a fair amount that I have expressed to them countless times that I am willing to meet in the middle on will only cause further harm.
07/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OH
  • 44281
Web
Back in XXXX of XXXX, I was a victim of credit card fraud and identity theft. I filed a police report and everything. The person had stolen my social security and was able to log into all of my online bankings and change my passwords and apply for cards in my name that I didnt even know existed. I am XXXX and Discover gave me the run around. I had to get my mom involved with XXXX before they finally refunded me and froze my account like i had asked. But I did not involve my mom with the discover, as she was busy and so was I. I am a XXXX XXXX XXXX XXXX and I was working full time and also have a XXXX XXXX XXXX XXXX before I was XXXX. I had called discover multiple times while in school, while trying to study and complete my schoolwork, trying to get it resolved. They opened an investigation and cleared some of the dispute in my favor. However there were ATM withdrawals from my discover card, and I had never made atm withdrawals from my card so I reported it immediately. I dont even think they helped me to freeze my account initially and didnt believe that someone had hacked into my online banking. At this point I wasnt even able to log in to verify myself!!! I couldnt even verify myself because of what the fraudster had done. When asked for proof that It was me who had done the withdrawals they just said the investigation said it was me. They didnt send me anything in the mail about the results of the investigation. And to this day are calling my mom, my dad, after I had blocked them because they kept calling me and would not resolve my issue saying i had to pay them back. Whenever on the phone with them I would get transfered to person after person after person. And no one could tell me why I was directly responsible. I contacted an attorney general and know my rights under FCBA and if they dont resolve this case I will press further. I know that I could be entitled to them refunding the money and possibly even double for all the time that they have given me the run around. I will never own a discover card again. Some of the people I spoke to on the phone were very rude and not respectful at all.
02/05/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • TX
  • 75605
Web Servicemember
On XX/XX/2021, I contacted the company about the closing of my Discover It secured account. I wanted to know why my security deposit had not been returned to me since according to my statement on XX/XX/2021, my account has been closed as requested by me. Also, by XX/XX/2021, all 3 major credit bureaus also updated and reported the account as closed. By XX/XX/XXXX, I had received a check for XXXX cent for the remaining cash rewards balance. I was given the general response about the return of the security deposit. I explained to the CSR that this card had been reported as closed on my statement and the credit bureaus, but their system still has it listed as active because they have yet to send back my security deposit. I also told her that " It may take '' is not a definitive timeframe and leaves a lot of room for the company to essentially not return my security deposit in a timely manner. I owed no other interest and no other charges had been made. The account was paid in full prior to me requesting closure. I also told her that the company had no legitimate, legal reason to continue to hold my security deposit. I was supposedly transferred to a manager and given the same generic response. Essentially, the both of them were telling me that because they put that general statement in their policy, they had the right to hold my security deposit until that timeframe and nothing I say would change that. They believe that in stating in their policy " it may take '', rather than " it will take '' this or that amount time, it gives them the right to refuse to return my security deposit until they feel like it, not exceeding the 2nd statement & 10 additional days timeframe. This is a direct and clear violation of my consumer rights because they have no other legal or business reasons to not return the deposit at this point. This just can not be legal, and if it is, I implore you to look deeper into it because it is a totally violation. I have exhausted all other means to have them close out my account, in its entirety, in their system and return my deposit to no avail. This just is not right! Please help me!
04/05/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • GA
  • 30341
Web
To whom it may concern I am writing yet AGAIN, more times than I can count, to put DISCOVER BANK on notice of the account ending in : XXXX and how it's fraudulent reporting of this alleged debt and adverse action to the consumer reporting agencies has negatively affected my life, my wife 's life and my children 's life as it has created tremendous hardship in our everyday lives. I have attempted on multiple occasions to relay to you that the negative reporting on my name is in error and violates FDCPA and FCRA. Upon further due diligence it has come to my attention that ALL credit balances from XX/XX/XXXX to XX/XX/XXXX are owed to the consumer. As stated on the back of each billing statement " Credit Balances. If your account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of {$1.00} or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement ''. This statement directly correlates with 12 C.F.R. 1026 11 ( a ) as well as proof that the XXXX total amount of money that I allegedly owe should have been sent to me as a refund and not sent to me as a billing error monthly and definitely now falsely reported to the credit repair agencies damaging my name and good reputation. I have included a copy of your documentation as verification and I am putting you on notice that I have also correctly filed a 1099C with the Internal Revenue Service as you have reported a " charge-off ', in error, to the credit reporting agencies further damaging my name and defaming my character while also making it impossible for me to obtain and maintain a standard and suitable living as my name is no longer " good '' ... as you failed to provide me with a copy of the 1099C thus causing me to incorrectly report to the IRS and file my taxes correctly as I should have added the " charge-off '' amount to my yearly earnings as income.
03/11/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 328XX
Web
Hello, I had a discover credit card for several years and it was unexpectedly suspended on XX/XX/XXXX. When I called customer service to inquire about the reason, I was informed that they needed to verify my income and that I needed to sign tax form 4506-C to obtain tax return information from XXXX and XXXX. When I asked about the reason for this sudden inquiry, they refused to give me a specific answer and also refused to tell me how long the process might take. I signed the form as requested. I followed up in few days and I was told by the agent that I needed to refill the form and to leave a certain line blank. I was reassured that the corrected form will be used. I also offered to provide more documentation to help facilitate the process and explained to the representative that I had started a higher paying job few months ago and that I am willing to share paystubs or employment contract as proof of income. I was told that was not necessary. Few days later ( XX/XX/XXXX ) I noticed that the mobile app access was resumed but the account was still not active. I had not been notified of any updates from discover. I called customer support and I was informed that my account was closed and they refused to tell me why. I requested to be directed to a supervisor to file a dispute and I was denied that opportunity. I received an email afterwards which states they were not able to verify my income and that my account was closed. I have good credit score with excellent financial income and I had never missed a payment. I have always paid my full balance and made a conscious decision to pay my balance in full to avoid paying interest ( which makes me question the motive behind this account closure ). It is distressing to be treated so disrespectfully like this, let alone the financial consequences that this will have on my credit score for a long time. The company was dismissive and made no efforts to follow up, provide updates, or accept my offers to provide additional documentation. Reading other complaints, this seems like a common predatory practice that discover does to close unprofitable accounts.
11/17/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TN
  • 38104
Web
I had learned earlier this year that my identity had been stolen, after doing some research I determined that several transactions on my Discover Credit Card were fraudulent, I had never done business with this merchant before, and so I immediately reported it to Discovers Fraud unit. They filed the fraud claim and then provided provisional credit to my account. I had explained to them that I had several documents including Police reports and other evidence to back up my claim. They told me an investiagtor would be contacting me and at that time I could provide the documents or they would tell me where to go to upload them. Well I waited and waited then I finally get a call from someone claiming to be my investigator, she tells me that all of the fraud claims were going to be denied and explained that one of the reasons was that I had done business with the merchant previously. Well I had never done business with the merchant, ever, I explained this to her and she did not care, I also asked why no one had contacted me about the documents and police reports I have so they could review them. She had no answer or response. Normally a fraud investigator would contact you right away and want to review documents and any other evidence you may have to do a full investigation. She only called me one time, never asked for documents, and then gave a bunch of inaccurate/false reasons as to why the fraud claims were being denied. Then on top of all of this, the fraud department had mistakenly credited my card with too much money, no one told me, infact they told me many times on the phone that I could use the funds, that all of the funds from the fraud investigation had been transferred or added to the account and I was good go. Well once someone figured out their mistake they added another XXXX dollars in debit to my account! Just because they credited my account by mistake now I am liable for this error? My credit score has gone down almost 200 points because of this, I lost my job because of it. This has been an absolute nightmare! No matter what I do or how many times I explain this, no one will fix it!
06/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 076XX
Web
I was using discover card for long time and all these period I was on Auto Pay, so I dont bother about payments every month. During last XXXX period, without my knowledge, Auto Pay is removed from my account. Due to this I missed a full payment on XX/XX/XXXX th but on the same billing period I was having a return payment of {$41.00} on XX/XX/XXXX which will offset the minimum payment of {$35.00} for the period XXXX XX/XX/XXXX to XX/XX/XXXX XXXX whose payment due date as per statement is XX/XX/XXXX. After that I missed one payment on XX/XX/XXXX. But I paid the full amount on XX/XX/XXXX as per the statement dated between XX/XX/XXXX to XX/XX/XXXX. This missed payment was reported and my credit score went down from XXXX to XXXX. I think this auto payment is accidentally removed by Discover card while doing changes on their online system as I can see a total different look and style between the statements printed from the site before and after XXXX, Also when I check online its missing a XXXX statement. When checked with them about the missing statement, they said its because I have XXXX balance that time. But I have several other statements with XXXX balance. Its very clear that some technical glitch from the company side caused these problem and discover is not ready to accept or admit their fault. I spend hours with them to resolve this issue with no result. The customer care personal who talk to me is coming up with many childish reasons and she said on XX/XX/XXXX I switched my linked Bank account and there was a problem with that switching and so on XX/XX/XXXX my auto pay is cancelled.I dont understand how they took my payment for 9 months even after they claim that there is a problem in linking my account. I need you help to resolve this issue and bring it to light. I am sure that this is not the only case. People always ignore these as they dont have time to go behind this. I may also ignore this, bu I am refinancing my house due to financial difficulty, and every penny counts as we are having difficulty in work due to the covid situation. I have all the statement and docs to prove my claim.
04/12/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • OH
  • 43223
Web
As most American, lve been deeply affected by the Pandemic and my ability to stay afloat financially has been quite challenging. Ive contacted discover back on XX/XX/2020 and just today. I also just received a certified letter from Discover indicating that legal actions will begin on XX/XX/2020 from which legal judgment against me will follow. I was previously set up on a payment of close to {$300.00} for a balance on XXXX. I failed behind on those arrangement and called on both occasions to find payments alternatives, however, on both occasions, I felt as if discover was trying to coerce me into payments agreement I can not afford or maintained. They concerned is to try to prevent the charge off the account, even though me, the customer, can not afford. They keep stating that the dont want to exacerbate my ongoing hardship, but payment of close to {$300.00} for 24 months is something I should be able to do, according to discover, which is crazy as my finances paint a different story. The offered two settlements options today, one for over XXXX and another one, of over XXXX, both to be paid within 24 months. However, these range from close to {$300.00} to over {$200.00}. When I asked a longer than 24 months settlement for the reduced balance for over XXXX, discover stated it could not be done. Not an option for me at the moment, they say. The representative I spoke to a moment ago wanted me to accept a hardship payment for {$35.00} for 90 days, then paying the entire XXXX balance at the end, which and again, is not an option, but he wanted to know why I was not accepting this offer as he was trying to avoid the account from being charged off. He became aggressive even though I clearly indicated I wasnt comfortable with the hardship plan as it didnt address the main issue of paying back the XXXX owed, which I take full responsibility for. I dont have XXXX laying around today for Discover Credit card, I doubt Ill have that in 90 days to give to discover. The representative got so heated during the call that I politely thank him for his time and advise that I was terminating the call. Which I did
12/01/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 34638
Web Servicemember
On XXXX XXXX, XXXX, I requested assistance from Discover Bank/Discover Financial Services in order to initiate a dispute for a transaction that posted to my Discover Credit Card on XXXX, XXXX, XXXX. The dispute was against a merchant by the name of XXXX XXXX XXXX XXXX in the amount of {$500.00}. The following are the reasons for the dissatisfaction of the services provided by the merchant in which caused the dispute : # 1 - The merchant mislead me into paying for a baseball tournament event so that my son can attend under the conditions that he would use him as a pitcher in which he never did. # 2 - Extremely insufficient game time during the very few innings that my son participated due to the amount of players that the merchant signed up for the tournament. Baseball players want to participate and not be sitting on a bench and watch other players play. # 3 - The merchant provided verbal tournament conditions in which he stated that the players were guaranteed to play four games in which they only played three games even after the forecast was clear of any rain. The explanation given for the reduction of games was that the tournaments management staff stated that they were running behind on schedule. # 4 - The merchant invited 15+ players at {$500.00} each to the tournament and most of them were not even on the event 's roster including my son. # 5 - The merchant was not an active state of Florida corporation at the time of the tournament event in which raised major concerns. I have provided Discover with numerous statements of how dissatisfied my family and I was with the services provided by the merchant. However, for some reason Discover is on the same side as the merchant. Why should I pay a merchant for his unethical business practice? It is my professional opinion that Discover has broken the Cardmember Agreement by not providing a fair resolution to a merchant complaint/dispute even though the merchant acted in bad faith. However, I acted in good faith and paid the merchant for services that he did fulfill and Discover agrees with the merchant in which is to basically steal my money.
11/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • ID
  • 83607
Web
Discover card has zero buyer protection. They will lie and say your purchases are protected but they are not. Their dispute department is a joke!! My dispute was escalated to a Manager and still, they found in favor of the merchant. The way Discover handles disputes is if the merchant replies with even a simple Hello they automatically find in the favor of the merchant. They do not look at the evidence or anything. They will always take the word of the merchant over their paying customers. Even with pages and pages of evidence. On XX/XX/2022 I purchased a {$2500.00} industrial sewing machine for my sewing business from XXXX XXXX. The owner XXXX sent me the wrong, lower-end model that he sells for hundreds less! I tried to work with him for several weeks to get this issue resolved but he refused to make it right. On XX/XX/2022 I called Discover and had a long conversation with an agent explaining the details of the purchase and interaction with the merchant before opening the dispute. I made this purchase through XXXX on my Discover card so I was unsure if I should work with Discover or XXXX for this issue. The agent convinced me Discover would stand behind me and help me, and because I believed her and opened this dispute with Discover and not XXXX, I lost my XXXX buyer protection. I have spent 2 Months on the phone almost daily with Discover trying to resolve this dispute. I have been so stressed out and in tears over what happened and how Discover has been handling this dispute case. I gave them every piece of evidence they recommended and even more proving I was not sent the right machine model. Photos of the box showing the model number with the tracking from XXXX and proof of signature with that tracking number, and Photos of the machine, packing materials, etc. You name it I gave it to them. Yet they still said they Need Proof the merchant owes me a refund. WHAT?? I gave you proof I did not get what I ordered from the merchant! Discover sided with the merchant even though he submitted ZERO evidence! Discover is letting the merchant walk away from this transaction knowing he scammed me.
04/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30126
Web
It all started on XX/XX/XXXX when Discover incorrectly reported my balance to credit bureaus. The balance for my statement cycle ending on XX/XX/XXXX was {$190.00} and they reported around {$300.00} or {$400.00} to credit bureaus at the time. When I contacted them to correct it, they ended up reporting my balance in the middle of my following cycle. This random reporting had an immediate negative impact on my credit score as I have a habit of paying at least 90 % of my balance right before my cycle closing date- when it normally gets reported to credit bureaus. That unexpected mid-cycle reporting dropped my credit score by more than XXXX points at that time but I decided not to escalate this matter and just pay down my balance by my next cycle closing date as I normally do. Consequently, I reduced my balance to {$480.00} on my next statement closing date of XX/XX/2022 ( to maintain a sub 10 % utilization ratio on this card ). Unfortunately, Discover card once again decided to report my balance randomly, in the middle of my cycle, on XX/XX/2022. This unplanned and erratic reporting increased my utilization ratio to 48 % and cost me yet another XXXX points on my credit score, right at a time when I'm shopping around for new auto loans and I need my score to stay as high as possible. When I contacted Discover about this, they advised that the report on that date was due to the fact that I reported a lost card and requested a replacement card. The problem with this is that at no point in this process was I proactively advised that the issuance of a replacement card would prompt my balance to be reported out of cycle. Moreover, it was not the first time I had replied a card with Discover and the previous instance did not prompt a random reporting of my balance on that day. Finally, I also replaced my cards with two of my other credit card companies ( XXXX XXXX and XXXX ) in the same fashion on that date. Yet, these two other credit card companies DID NOT report my balance to credit bureaus the way Discover did. This action that negatively impacted my financial profile was unique to Discover.
06/29/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • IN
  • 47802
Web Servicemember
On XX/XX/2023, I called Discover about their 0 % APR for 15 months that included balance transfers for 0 % APR. I called specifically to inquire when payments would start as it was not stated on the offer mailed to me. I was told that payments would start in 15 months and I explained that was good and that would be the only reason that I would sign up for the offer. After starting the application I asked to call my bank to see if they had a similar offer which they didnt. I called Discover back and finished the application and was then told my payments would start the following month. I then called to speak to a supervisor who told me to write a complaint letter and mail it to a XXXX XXXX with no timeframe to be answered. On XX/XX/XXXX, the following day I called the corporate office to resolve the issue where they proceeded to give me the run around. I called back a few days later and a man named XXXX said he would begin an investigation. He told me the balance transfer hadnt gone through where I then asked him specifically if it would not go through since they were not honoring the no payments for 15 months which he verified that I was told was the offer when I signed up for the card. On XX/XX/2023, {$4200.00} was transferred from my XXXX account to Discover. When I called back about how this happened I was given the run around some more without the original issues being addressed. I have not received mail or statements in the mail from them but I recently opened an email stating that I have a payment due by XX/XX/2023, that will be sent to a creditor which will in turn negatively impact my very good credit score. I dont have an account number with them that I have information on. They didnt help with anything when I called again today on XX/XX/2023. Discover duped me into this card so I contacted the Federal Trade Commission today, XX/XX/2023, who had me contact the Consumer Financial Protection Bureau to file my complaint. I am looking into legal assistance, filing a complaint with the XXXX XXXX XXXX along with possibly contacting the FBI to file for white collar crime against Discover.
09/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • XXXXX
Web
Hello Discover, I have filed a complaint with the CFPB regarding the account Discover ( XXXX ). Discover is reporting derogatory information regarding a credit card account to ALL 3 of my credit bureaus. I mailed Discover certified letters requesting a signed contract for this account. When I did not receive a response I followed up and called Discover. Discover claims they never received my request even though the tracking number for each certified letter indicates both certified letters have been received. I have made both written & verbal request for a SIGNED CONTRACT for the credit card account. Discover refuses to send me this requested document. The only thing Discover has provided to me were outstanding monthly bills & a general Customer Agreement not specific to the credit card account they are reporting to my credit file. In fact it is the same general Customer service agreement they have listed on Discover 's website, the website also makes reference to there being a Credit Card agreement for " your accounts '', which I am assuming that there should be specific terms agreed upon for each account specifically. I spoke with a customer service agent & she stated not all accounts have signed contracts & she could not provide me with one for the reported credit card account. I asked " if there is no signed contract outlining the specific terms to either account how did a agree to something blindly? '' Of course she had no response other than there is no signed contract/ agreement documentation showing I agreed to either credit card account. I work in privacy & compliance and know the implications a company can incur for failure to adhere to privacy laws. With the rise in data breaches and identity theft providing me with billing statements & a general customer agreement are not acceptable. I demand immediate removal of this account from all 3 of my credit bureaus. I will continue to document my efforts, update the CFPB on the status of my complaint & utilize any legal rights I have. Prolonging this is only showing Discover is refusing and willfully not complying with the privacy laws.
11/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • MO
  • 64152
Web Older American
Gentlemen, I would like to file a formal complaint against Discover XXXX. Upon my wifes passing on XX/XX/XXXX, I began the lengthy process of identifying her outstanding liabilities. Upon reviewing her statement from Discover, I noted the excessively high interest rate Discover was charging my wife on her card XXXX. The rate was 28.99 % which I believe is excessive, boarding on what I consider to be usurious. My wife XXXX was XXXX XXXX XXXX. XXXX as she had been a customer since XXXX, had a XXXX score of XXXX per their XX/XX/XXXX statement, had stable employment ( XXXX ) years and stable residence ( XXXX ) years I fail to see what characteristics placed her in such a high risk high rate population pool. My daughter, age XXXX also has a Discover card, her rate is XXXX %. This speaks to the possibility of age discrimination in the determination of pricing. I understand the concept of varying rates based upon perceived risk, but in 38 years of commercial banking I have never seen a rate of XXXX %. I understand the concept of discretionary pricing having worked in banking for 38 years, but have never seen such disparity. I request you investigate this matter and specifically look at the following issues : XXXX ) Age discrimination in pricing that XXXX be overt or covert XXXX XXXX XXXX pricing strategies for both existing and new customers and whether said strategies are well supported by statistical data which clearly identifies credible risk factors XXXX ) Whether pricing strategies are applied universally and fairly to all clients rather than cherry picked I have reached out to the company on XX/XX/XXXX to request answers to these questions and was told I my concerns would be passed on to a higher authority. The name and title of said authority was not given. To date I have not received a return call although contact information was exchanged. General information you may need : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX last for digets of her social security number My name is XXXX XXXX. I can be reached at ( XXXX ) XXXX if further information is required.
01/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • XXXXX
Web Older American
On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs report that listed XXXX XXXX XXXX as the thief. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX, listed as XXXX Top Ten Most Wanted for credit card abuse. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX XXXX Mississippi. See attached reports. XXXX XXXX XXXX is the person referenced in my XX/XX/XXXX sheriffs report that stole off of my desk in XX/XX/XXXX. She stole Discover Card, 2 XXXX XXXX XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. My office was the completely destroyed in XX/XX/XXXX with 32 of water from XXXX XXXX. XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife. I assume the attached Discover Letter dated XX/XX/XXXX is Discovers fraud investigation. All is correct EXCEPT - The fraudulent payments were not due to my banking institution. I have never had a bank account ending in XXXX. A proper investigation by Discover will prove this. On XX/XX/XXXX, what number was used to contact me? XXXX XXXX XXXX revised contact information phone number ending in XXXX on all accounts. Regardless, I never referred to this person as my wife and I have not been married since XXXX. On XX/XX/XXXX, I claimed she was falsely pretending to be my wife. Ask yourself - Why would I file a fraud claim and then claim she was my wife??? Common sense should dictate. On XX/XX/XXXX, ( 2 days after filing a sheriffs report ), I did not contact Discover claiming I had never filed a claim. Why would I do this and what phone number was used? This is ludicrous! All of this could be cleared up with the transcripts of the phone calls. Discover, use common sense and carefully review. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. The credit card abuse and forgery / false pretenses were due to others filing charges. The credit report information reflecting Discover is not mine.
09/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • CT
  • 067XX
Web
XXXX : Every time I dispute something they lower my score, while the others raise it. They have incorrectly disputed items and companies I did not select ; and they're the only one of the three. They dont take my card holder status on a XXXX XXXX account into the utilization ratios, and theyre dinging me for old bad debt that was charged off and sold to unscrupulous collection agencies that were found at fault and removed quite some time ago from all three reporting agencies. Their reporting patterns are arbitrary and inconsistent. They are clearly blacklisting me ... theyre the only company I can not contact easily and say this or that doesnt add up, and if correct, have it adjusted. And Discover ... theyre application system dropped my application twice, they admitted, dinged me with hard inquiries, denied me credit, and then refused to remove the erroneous inquiries due to the i system failures. XXXX, I called them and their collection department several times, and could NEVER get a call back, when I did reach a person, they would it accept money from me to settle the account ; they passed me off to another department that sent me back to the original department I came from, and then was rendered back into automated XXXX, left yet another message for the account manager, which never gets returned. But yet, they suddenly updated my report for 20 some odd months of Charge Off status when there wasnt any updates over those months and then plummeted my score again. What is wrong with these people? It takes a certain type to ruin people ; to be in a role to make everyone as whole as possible, yet behave in ways that are contrary to the espoused theories. Im beyond frustrated witXXXX XXXX Discover, and XXXX. I have absolutely NO recourse other than to suffer, or spend all my time, far more than the countless hours I already have, to keep calling, using online forms and writing, in hopes of finally reaching a bright and intelligent individual capable of reading and applying logic, able to feel and reach within the human aspects of the self, and ALSO has a modicum of clout. Good. Luck.
06/14/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 10036
Web
The imposters claiming to be a police officer reached out to me through a XXXX police department number and said that my SSN has been used to open illegal accounts. The fake police officer then " transferred '' me to an alleged member of the FBI, whose fake name is XXXX XXXX. The member of the FBI said that my SSN has been involved in various suspicious activities including money laundering, drug trafficking, stolen vehicles, etc. He said that my bank account has been mixed in with the accounts of the people who have stolen my identity and told me to wire transfer money out of my CD account and into a given account number so that they can " help sort through the bad accounts. '' I did as he asked for my Discover account and scheduled a wire transfer of {$15000.00} at XXXX ET on XX/XX/2019. On the Discover wire transfer confirmation, it clearly said that for the wire transfer to send today, I must call for a verbal confirmation by XXXX. However, since I made the transfer at XXXX ET, by the time I granted the verbal confirmation it was already past XXXX ET, so the payment shouldn't have sent. Later when I realized that this has been a scam, I reached out to Discover, I was told that the {$15000.00} has already been transferred out of my account, and they can only put out a recall for the transfer. As of right now, I have a case opened with Discover for the scam as well as an official police case number. The Discover customer service agents have been extremely helpful and closed out the bank account that was jeopardized, and I am hoping that Discover can successfully make a recall from the imposters. However, I do think that the way the bank allowed a transaction made right at the cut off time and authorized after the cut off to go through on the same day is misleading to the customers. If the policy were actually as listed on the confirmation page, the {$15000.00} would still be a pending transaction when I called the company and this could have been salvaged with damages. Based on this experience, I don't think Discover has actually protected my account as what they said they would do.
05/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32792
Web
Dear XXXX XXXX XXXX XXXX XXXX, I am writing in response to your recent correspondence regarding my dispute of the accounts ending in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. As I previously stated, these accounts were opened without my permission and have caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. Your response did not fully address my concerns and I am disappointed to see that you believe that the account ending in XXXX belongs to me. I maintain that this account was opened without my permission and I demand that it be removed from my credit report immediately. Your confirmation that you are reporting accurate information is simply not sufficient. In accordance with the FCRA and CFPB guidelines, I am requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report within 30 days of receipt of this letter. I am also demanding that you remove all other accounts that were opened without my permission from my credit report immediately. I understand that you have asked the CRAs to delete some of these accounts, but I want to make it clear that I am demanding their removal as well. I want to remind you that reporting of inaccurate information is in violation of [ 15 US C 1681 section 604 A Section 2 ] [ 15 USC 1681 Section 602 ] [ 15 US code 5 1681b ] and other CFPB regulations. Your failure to comply with these regulations could result in legal action against your company. I expect a prompt response to this letter and for all accounts that were opened without my permission to be removed from my credit report immediately. Please provide me with a written confirmation of your actions and a copy of my corrected credit report. Thank you for your attention to this matter. Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1 Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA Section 1681c of the FCRA Section 1681g of the FCRA Section 1681i of the FCRA
10/08/2015 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't get flexible payment options
  • NJ
  • 07071
Web
XX/XX/XXXX my balance at Discover Student Loans was roughly $ XXXX. Since then I have paid about $ XXXX in total payments ; $ XXXX towards interest and $ XXXX to principal. XX/XX/XXXX my pay off balance is roughly $ XXXX, not sure how $ XXXX of payments resulted in only $ XXXX reduction of the total balance. I have taken every action to help me lower all expenses and maximize my income, but still struggle to pay the min. monthly payment of {$850.00}. Other loan servicers like XXXX XXXX and XXXX have helped me lower my interest to help me with my overall balance. XXXX XXXX provided rate reduction programs which brought my interest from 11 % to 3-4 %, but Discover claims they are legally obligated to not change the terms on my loans? As an XXXX-XXXX yr old I was told after 24 payments I could have my co-signer released from my loans, but now Discover is claiming after 24 months I can " apply '' to have my co-signer released. I continued to do my best to not default on these loans, because I was hoping I could have my co-signer released from this loan so that when I went to a 3rd party for consolidation we would get approved. In efforts to not default I have had to put a lot of expenses on credit cards. Doing this has caused my credit score to drop because of high utilization rates ; this hinders me from being approved for loan consolidations. I have applied for consolidation through various different banks and credit unions ( before high revolving credit issue ) but was turned down because " loan amount is too close to principal amount. '' How I am supposed to go to a 3rd party, as Discover is so willing to suggest, if I wo n't get approved? My co-signer makes about $ XXXX a yr and with this original Discover Student Loans balance on their credit it is unlikely we get approved for another $ XXXX loan. I need help in understanding how Discover is allocating my payments? At this rate I do not feel as if my loans will be paid off in the term. I would like Discover to help me reduce interest rates for a short time to help me lower principal so I can qualify for a 3rd party loan consolidation.
08/29/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80134
Web
To DISCOVER CARD in reference to your response from CFPB Hello, I would like to respond to some of these claim in your response : On XX/XX/, you spoke with a Discover representative regarding account activity. We note you shared intentions to buy gift cards for someone, the representative advised you of the possible scam, and you shared intention to use the entirety of your credit line along with questions involving frequency of verifying account activity. Response : I did purchase gift cards but there is no record of me stating that I would want to use the entirety of the credit line for this. In terms of the transactions with the other merchants, I have no idea what that is. There is no way that my balance of XXXX is accurate. I did purchase a few gift cards but in no way does it add up to that balance. I received the bank statements from you and it does not reflect. Also, the merchants that I am disputing are not related to these gift cards. On XX/XX/, you withdrew your fraud claims, taking financial responsibility for the transactions previously disputed as fraud. Notice of this action was sent to you and a copy of the letter has been enclosed. Subsequently the account was debited, reapplying the transactions to the account balance Response : Yes, this is accurate because I opened up an identity theft case and I was advised by a legal team to say that. However, I called a few months later and said that I wanted to reopen this investigation. Note, you already added all the correct provisional credit back into my account before I requested this case to be closed because you determined that it was fraudulent. After I knew that I was not going to be in any legal trouble and there was nothing that would happen : I wanted to reopen the case and I requested multiple times but you kept saying that I was now responsible for the transactions after you credited the account and determined it was fraud which is absurd and wrong. I did not authorize these transactions and I should not be responsible for this balance. I will continue to fight this and can provide you with whatever necessary.
06/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MA
  • 01604
Web
in XXXX and XX/XX/XXXX, the following companies reported late payments on my credit reports XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company reported late payments on my account from XXXX - XX/XX/XXXX on my credit reports DISCOVER BANK - XXXX Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Section F states Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. ( II ) Covered period The term covered period means the period beginning on XXXX XXXX XXXX and ending on the later of ( aa ) 120 days after XXXX XXXX XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XXXX XXXX XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. ( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. ( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. Therefore, these late payments should be removed from my credit report
09/11/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MA
  • 024XX
Web
I ordered a XXXX XXXX XXXX XXXX XXXX from XXXX. On XXXX XXXX it arrived. It comes boxed up and wrapped. Upon unboxing and unwrapping, I found the bike to be damaged and beat up. I brought this up to the vendor and they had nothing to say. I then assembled the item and it did not work or turn on anything. The bike was certainly pre-owned or used as a parts bike as I had multiple professionals take a look. It cost me over {$1000.00} in parts and labor to even make it close to working correctly. XXXX claimed I was buying a brand new bike with a XXXX warranty. I GOT NONE OF THAT. They also have stopped responding to all emails since I left bad feedback on their google page. I opened up a dispute with DISCOVER in hopes of rectifying this issue. I provided Discover with every single email, along with them responding to others saying they " Have a 3 month warranty no questions asked '' I provided Discover with 20+ documents. Then XXXX responded to Discover with what appeared to be an illegible written note. Discover ruled in my favor. Then about 3 weeks later I checked the dispute and Discover ruled in the merchant 's favor and they refused to talk to me or provide any evidence. I tried explaining to discover that yes I received AN ITEM but not what I purchased. I received something very different that cost me A LOT of money. XXXX actually emailed me saying that since i left bad feedback on XXXX, they were no longer going to help me or provide any credit. Their warranty states i should be credits for PARTS AND LABOR. Discover now will not respond to me or provide me with any additional information. They also will not let me appeal the decision I was defrauded by XXXX and now the same with Discover. They will not listen to me, help me, or hear my side of the story. XXXX was allowed to submit handwritten evidence that could not be read, and then was given another 30 days to respond, but discover ends online chats early with me and ignores me on everything. This should seriously be investigated. I would challenge XXXX with a 93A violation in the commonwealth of Massachusetts.
10/06/2017 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Funds not received from closed account
  • TX
  • 77494
Web
I am a Discover Bank customer and must escalate a very serious cheating incident by your customer service XXXX. On XXXX/XXXX/XXXX, I called your customer service to close my XXXX savings account. Meanwhile I requested the refund check of the remaining balance in my savings account. The customer service XXXX promised to send me the refund check by expedited mail XXXX XXXX XXXX. The name of this XXXX is XXXX XXXX and she is in XXXX XXXX XXXX location. Then on XXXX/XXXX/XXXX, I called your customer service to ask for the FedEx tracking number of my refund check. The customer service XXXX said that she will contact the back office and will call me back with FedEx tracking number. This time the customer service XXXX 's first name is XXXX and her agent ID # is XXXX. Today this XXXX called me back and told me that the refund check was mailed out on Monday via FedEx. However, she said she did n't have FedEx tracking # for me. This evening I had to call FedEx to inquire about this FedEx mail from Discover Bank. After I provided my mailing address to FedEx, I was informed that no FedEx package being sent to my address was found in their system. Apparently your XXXX customer service XXXX XXXX XXXX ID # XXXX ) was cheating on me because either the refund check has not been mailed out yet or it was mailed via regular post office mail instead of FedEx. I feel so frustrated that your Discover Bank customer service XXXX does n't have any business integrity but instead has been lying and cheating on customers. It is NOT acceptable to me. I request that Discover Bank XXXX XXXX to investigate this incident and take disciplinary action on the customer service XXXX who was cheating. Meanwhile, I request Discover Bank to compensate me {$100.00} for this incident. In addition, I ask your CEO to call me and tell me where my balance refund check is. My phone number is XXXX. I hope to resolve this incident with you before reporting to Consumer Financial Protection Bureau as well as all national media and social media. For you to locate my account, my address is XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX.
05/25/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • NJ
  • 08820
Web
This is a complaint regarding to Discover credit card ( XXXX XXXX : XXXX ). In XX/XX/2023, I got an offer that spending {$250.00} on digital wallets, I would receive {$25.00} cash back. I called Discover telephone number on the back of my credit card XXXX. A gentleman answered my phone and he confirmed with me I did have that offer under my account. I asked him whether I can use XXXX to compete that task. He answered YES. XX/XX/2023, I called XXXX again. The phone connected with XXXX XXXX, who told me that she is a specialist based in XXXX Office. She said I should receive the {$25.00} cash back bonus on XXXX Statement on XX/XX/2023 because the {$25.00} cash back bonus applies to my account after two billing cycles. However, I did not receive the {$25.00} cash back on my XXXX Statement. Therefore, XX/XX/2023 I called XXXX again. The phone connected with XXXX XXXX She said that because there are some returns so the amount I spent is less than {$250.00} ; therefore, I am not eligible for the {$25.00} cash back. I explained to her that your Discover credit card does not take back cash back when there are returns, but now the fact that you told me you do take back cash back is too late. If I knew you took back the returns, I would have spent more to make up the amount. Please see attached XX/XX/2023 cash back summary, which shows very clearly that the XXXX returns does NOT take back from cash back. Now because Discover does not want to pay, they said they do, which not match with the attached summary. I asked XXXX XXXX to escalate the case. After XXXX days, XXXX called me, treated me very badly. I asked her what is her last name. I just want to use it as a reference. She even didnt want to provide it to me. Everyone in Discover I talked before was able to provide last name, why is she so nervous? It does not make any sense. I want Discover to give the {$25.00} cash back because I have spent the time to call Discover, and then I did all the work already. If there are any information misinformed by Discover representatives, I should not be the one who takes the responsibility.
09/24/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • NC
  • 27103
Web
Like many Americans, my family and I have been impacted by the worldwide COVID-19 pandemic. We lost about two-thirds of our income, and as a consequence, we are struggling financially. I tried to stick it out for as possible and pay Discover Financial whatever they wanted, every month. However, I can no longer pay an absurd amount of money for a {$1500.00} credit card. Discover Financial jacked up my interest rate to 24.49 % for no good reason, except to make more money off me. I contacted Discover Financial and spoke to customer service and told them that I would like to pay back what I owed them. However, I need a little bit of help during these troubling times. Their customer service representative categorically refused to work with me and offer any COVID-19 related assistance, even when I asked specifically for it. I was told that it is not available to me. I was also told that the only thing she would do is allow me to pay 16.99 % interest for 12 months. The customer service representative told me that all customers get the same " fair '' treatment. That is clearly a lie since I know other people who closed their Discover accounts and got 0 % APR for 60 months to pay off their balances. I was also told that if I don't make a payment immediately, Discover Financial will report my account as late. I have included a screenshot of the offer from within my Discover Financial account. If you look closely, there is no offer to close the account with a 0 % APR or anything close to it. I strongly believe that this is because of the relatively small amount that I owe, {$1500.00}, it is more profitable for Discover to keep my account open and keep me paying. During an economic crisis and a global pandemic, a good bank does its best to help its customers pay back what they owe. In my case, Discover Financial is not interested in helping me pay them back, but rather they want to profit from me for as long as possible by keeping my account open and me paying sky-high interest rates for as long as possible. This needs to stop immediately as I am no longer able to pay what they want me to pay.
02/14/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • TX
  • 78729
Web
I attempted to open a Secured Credit Card with Discover. After they auto debited {$1000.00} from my checking account, I got an email that stated the following : Dear XXXX XXXX, We are writing to notify you that we have closed your Discover it chrome card account effective immediately. We regularly conduct reviews to evaluate our customers ' accounts, and during a review, we were unable to verify personal information on your account. We evaluated your account and under the terms of your Cardmember Agreement, a business decision was made to close your account. Our credit decision was based in whole on the information found on your account. Any Cashback Bonus or Miles rewards balance will be applied as a credit to your account, or, if the account has a XXXX balance at the time of closure, a check will be issued. If your account has a credit balance, you may request a refund check, or one will be sent automatically after four months of the credit balance being on your account. We will report to the credit bureaus that the account was Closed by Grantor. Questions on how this may impact your credit score can be addressed by contacting the credit bureaus directly. If you have any questions, you may write to us at : Discover Financial Services XXXX XXXX XXXX XXXX, DE XXXX Sincerely, Discover Corporate Security When I contacted them to have my funds immediately returned, they indicated their normal process is returning the funds within two billing cycles. However, they closed the account, so my funds should be refunded immediately. They then indicated they sent a check on the XXXX of XXXX, 2020 ; however, not check has ever arrived. Also, they could not provide a check number of the check that was supposedly sent. I seriously doubt they ever sent one. They could not provide a tracking number, or any other information to confirm a check has been sent. I would like to file a formal complaint of fraud, and possible wire fraud, regarding Discover in regards to this issue, as they auto debited my account with no intention of ever opening an account, with the intent to steal and defraud me.
02/13/2022 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Problem lowering your monthly payments
  • IL
  • 60639
Web
On XX/XX/XXXX I spoke with XXXX who helps with making loan decisions such as forbearance loans, payment plans and etc. I was trying to express to him the issues I was having since the pandemic and how I can't get a job but he put me on MUTE. After about 10 mins, he never returned so instead of hanging up on me I figured out that he wanted me to hang up. so I hung up and called back and spoke with another person and I forgot their name but it was unsuccessful. I been having a hard time getting a job since the pandemic started. Any opportunities I received were gone due to the pandemic. I can't speak for anyone else I can only speak for myself. I offered to show proof that I am actively looking and to give them proof of all of the decline emails that I receive weekly and that didn't matter. I told them I can pay {$50.00} a month and they refused that as well. They said that's too low, If I known they were going to be like this - I would have never borrowed from them in the first place. They told me that I exhausted all of my options and that they need at least 6 months of payments for me to be eligible for anything that they offer. That makes absolutely no sense at all! How am I going to pay if I do not have a job. I already told them that I do not have anyone to borrow from. This company acts like they didn't know we were just in a pandemic. The reason why I can't get a job because I do not have recent experience. These companies want you to have recent experience but how could we? We were in a pandemic for 2 years!!! Everyone was scared to catch Covid! No one wanted to hire new people. Every company you was going to hire me decided to just promote within because its safer than bringing in a new employee. I have proof of that too. But they don't care I don't come from a privileged family - I don't have the option to borrow and pay someone back. And they are aware of this. They know that I can't make payments right now but they do not care. I was trying to work with them, come to some resolution but they refuse to help me. I am hoping to get assistance with this issue.
05/03/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Don't agree with fees charged
  • NY
  • 130XX
Web
After submitting multiple reports, phone calls, emails, etc. it is apparent that Discover will not compromise or help out my situation at all. I have tried everything in my power as a consumer to get them to negotiate my interest rates, apply for the hardship assistance program, only to have them tell me that I do not qualify and they will not budge. This is nothing short of Loan Sharking, and it will not stand. I am a human being and deserve to have consumer rights. If I do n't apply for hardship assistance, working/owning XXXX full time businesses, while not being able to afford groceries, rent, phone, or any other expense besides my student loans. I do not miss my payments. I pay between $ XXXX {$1200.00} with all my student loans combined ; Discover is charging me 8.875 % for a {$11000.00} loan and 7.125 % on a {$19000.00} loan. When I ask to apply for the Hardship Assistance program ; interest rates are reduced temporarily with a {$50.00} per month payment, they say that I do not qualify. I made less than {$20000.00} dollars last year. If I do n't apply, who does? Where is the justice system? How are they allowed to get away with Loan Sharking and such fraudulent behavior? If college is a debt sentence, the said debt should be reasonable and not astronomical. Taking advantage of the youth by having them sign papers they do n't understand because they need to pay for college is Loan Sharking. Shame on you Discover. It is not secret that all they care about is their bottom line, and the people are just numbers to improve that. It does n't matter if they ca n't afford groceries. At the very least, bare minimum, these companies should be held accountable and made to refinance these outrageous loans that are somehow legal. When we talk about justice, how is it just to have a multi-billion dollar company handcuff a citizen below the poverty line. If someone below the poverty line ca n't refinance their loans, I want to know who can? Enough is enough. If the companies themselves wo n't budge an inch, it 's time for our government to step in and protect the people for once.
06/17/2015 Yes
  • Credit card
  • Customer service / Customer relations
  • CA
  • 94014
Web
I notified Discover, after my XX/XX/XXXX statement, that I had only charged {$6.00} on a tip, on XXXX 's XXXX. This was charged on XXXX. This is the XXXX 's located on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. Discover gave me a conditional credit which they reversed because XXXX 's said this was a valid charge. I talked to a female assistant manager around XX/XX/XXXX and finally talked to XXXX XXXX, the store manager. I explained that my friend, XXXX XXXX, paid for the bill with his gift card and he left {$20.00} in cash on the table. I told my friend that the tip off the {$20.00} would n't be enough so I was kind enough to leave a tip on my Discover of {$6.00}. That is ALL I left. XXXX 's charged me {$23.00}, of which I did NOT authorize. It even says on the receipt that {$6.00} was paid, the word paid was not next to any other line, and it should not have been because I only authorized {$6.00}. XXXX should talk to the server, XXXX XXXX, and ask what happened to the cash on the table. They have to keep a record of their cash receipts so I believe there would be an anomaly if XX/XX/XXXX receipts were audited. I had always been a good customer at XXXX 's before this incident. I told XXXX that the IRS would be interested to know of XXXX 's tip policy. It seems like their servers are pocketing extra cash, not reporting it to the IRS, and allowing the XXXX to rip other consumers off with misleading and confusing charges on their kiosks ( XXXX ). I am holding XXXX partly responsible because they program their kiosks to mislead customers at these restaurants. XXXX said he would kick the matter to his Corp. dept. and let me know. XXXX would not refund their erroneous charge to me. I was very polite and did not raise my voice the whole time. I e-mailed XXXX on XX/XX/XXXX but he had not responded. I do n't want XXXX 's to do this to other customers and XXXX should review their programming to not take advantage of consumers. I spoke to me friend XXXX XXXX on XX/XX/XXXX, and he said exactly what I said about payment. He needed no coaching and he is willing to be a witness on this matter.
10/18/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 282XX
Web
Since XX/XX/2019 Discover Financial Services has been attempting to collect alleged debts from me that have already been paid. My account with Discover Financial Services was approved and opened in XX/XX/2019. The account was opened through my credit ( pursuant to 15 U.S. Code 1602 ( f ) ) when my social security number ( pursuant to 15 U.S. Code 1602 ( l ) ) was originally acquired in the application in order for me to be the consumer in the credit transaction with Discover Financial Services. Since the law deems the transaction as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended ( pursuant to 15 U.S. Code 1605 ( a ) ), then Discover Financial Services has continuously violated my consumer rights by persistently requesting and demanding payment from me for alleged debts that have already been paid for through my credit. With Discover Financial Services being defined as a debt collector by law ( pursuant to 15 U.S. Code 1692 ( a ) ( 6 ) ) they have also infringed upon my rights and violated the law by stating that I owe debts, sending multiple forms of communication with an intent to collect a debt, and using language and symbols that identifies the company with an intent to collect a debt ( pursuant to 15 U.S. Code 1692 ( b ) ). They have also continuously called my phone ( 15 U.S. Code 1692 ( d ) ( 5 ) ), unlawfully stopped usage of my card ( pursuant to 15 U.S. Code 1692 ( e ) ( 4 ), and threatened to sell the alleged debt to a collection agency ( pursuant to 15 U.S. Code 1692 ( e ) ( 4 ) ( 5 ) ). Discover Financial Services has also fraudulently reported late payments, credit utilization, and other information regarding personal details about me to several consumer reporting agencies ( pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) ( i ) ). I have contacted Discover Financial Services by mail demanding that they cease and desist all illegal activity and return to me an audit trail of all documents relating to my account, an account reinstatement, and a XXXX balance. In spite of the cease and desist they have still contacted me.
01/13/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 93292
Web
In XXXX I went to make an online purchase from my Discover Credit Card. I have made purchases with this card through the year as I have needed it. However I had received a credit card limit increase having been with the company for a handful of years so i knew there was plenty of money on the card. I went to use the card in the morning to order a XXXX gift for my fiance when I notice the Discover card app telling me my account is not only maxed out but over drawn! I have never maxed out a credit card and I have certainly never over drawn. I started panicking as soon as i noticed and felt foolish that I hadn't noticed sooner. I'm just not use to this kind of thing happening but I call the credit card company as soon as i am aware of the issue. I spent probably over an hour on the phone providing any and all information and going through the entire list of charges. The card seems to have been used physically dispite me having the original card. And what's harder to understand is the credit card company has stated that the charges stopped on the alternate card after the credit report was made though they said the card would still remain active while i recvived a new card. I assumed the guy must have stopped using it once it maxed out. That's just my guess. I was under the impression that everything was taken care of after I made the necessary calls. And was given reassurance by a Discover Card representative. But I earlier received another call back from Discover and they are saying that since I have shopped at similar places in the small town XXXX area, that it appears illigitmate. The representative also claimed that fake credit cards do not actually exist and that they are just a popular idea on XXXX. I asked if there was any information at all that I could provide to help with their investigation and provided as many details that I could possibly remember following the dates of the charges. The representative refused any addition information and she insinuated I was lying. I immediately continued to take action with a police report. Police Report Case Tracking Number : XXXX.
09/20/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • WI
  • 54703
Web
In XX/XX/2020, I signed up for a Discover Card because of their copious 0 % balance transfer deals and options. We had transferred, made payments, made purchases etc. without incident until XXXX of this year. On XX/XX/XXXX we did {$7100.00} worth of business in the form of balance transfers per Discover Cards posted offers. On XX/XX/XXXX a hold was placed on my account for " Personal Identification/Information needed ''. I received 1 ( one ) email that I disregarded as a Phishing Attack ( " Problem with your account ... '' ) because I logged into my account directly and found no messages, no alerts... just an Account in good standing with a XXXX balance. On approx. XX/XX/XXXX I received 1 ( one ) phone call/voicemail with approximately the same message. Again, log into my account to find no notifications, no alerts ... nothing indicating that my account was anything other than in good standing and, because of the advertised balance transfers and out use of them, Discover owed me a little over {$300.00} in overcharges. The week of XX/XX/XXXX I attempted to use the Discover card to buy a new desk but the card was declined. Discover had canceled my account after attempted to get ahold of me exactly twice : one email, one phone call, and nary a word on their official site and my official account page. Now I have a negative mark on my report that they closed an account with a {$9000.00} limit, my other balance transfers failed causing more fees and overages. Only when I called to find out why I couldn't buy the desk did I learn any of this. Oh, and they couldn't just re-open my account because more than 30 days had elapsed since the freeze on XX/XX/XXXX ( i can't find the exact date, but it was about a week beyond the 30 day ), per internal policies, never mind the fact that I was happy to give whatever they wanted because their out-reach policy and XXXX and looks like Phishing Attacks. I wish I had more to give you but... The email was trash, it looked fake ; the website told me nothing was amiss ... When the Account log in page gives no warning or visual cue, what am I to think?
02/04/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85283
Web
Updated information. In regards to Discovers responses and continued attempts to hinder my ability to validated my obligation to an alleged debt. I would first like to say thanks for the correspondence that was sent to me, unfortunately a billing statement is just that a statement and not proof of my obligation to an alleged debt. Secondly Discover has expressed in numerous responses that they have validated my obligation to the alleged debt. A debt collector those not have the authority or power to validate a consumers obligation to an alleged debt pursuant to 15 USC 1692g, only I the consumer or a judgement from a court can validate my obligation to an alleged debt pursuant to 15 USC 1692g ( b ). There are 5 points that congress clear states must be provided to a consumer by a debt collector so that the consumer can adequately validate their obligation to an alleged debt, pursuant to 15 USC 1692g. Discover has not fulfilled their obligation to provide the proper information required for me to validate my obligation to the alleged debt. This after numerous attempts by me both by US mail and through the CFPB clearly expressing what is required pursuant to the FDCPA and applicable Federal laws. Discover and their representative Chef Executive officer XX/XX/XXXX has shown an unwillingness to adhere to the federal statue set forth by congress in the Fair Debt Collection Act and has taken it upon themselves to put company rules and policy over federal laws. Discover has reported this unvalidated debt to multiple credit reporting agencies as a negative delinquent account further causing grievous harm to my public reputation. Discover says that they have no more evidence to send validating my obligation to the alleged debt beside a card member agreement and old billing statements, if this is the case Discover must cease and desist all collection attempts of the alleged debt if they are not able to provide the evidence needed to adequately validate my obligation to the alleged debt pursuant to 15 USC 1692g. I need the name and address of the original creditor to the debt is owed.
07/31/2015 Yes
  • Bank account or service
  • Checking account
  • Making/receiving payments, sending money
  • NY
  • 10956
Web
On XXXX XXXX, 2015 I spoke to XXXX XXXX at Discover Bank Web Support because my Online Bill Payments ( bills sent directly from the bank using the website ) displayed in XXXX different ways on my statement. Please note that I 'm only referring to payments to individual people that are sent by Discover Bank through the mail, these payments are not being sent electronically and there are no " account numbers '' associated with bill payments to these individuals. Some of my payments display as " Online Payment '' and others display as a check number, even though the bills were sent to the same person, by the same bill pay method. Please see the example below. XXXX/XXXX/2015 XXXX XXXX Online Payment $ XXXXXXXX/XXXX/2015 Check XXXXThe bills listed as " Online Payments '' are being deducted from my account on the day they are scheduled to arrive at the payee 's house, but the bills listed as a check are only deducted when the check is cashed. Bills listed at " Online Payments '' are deducted even if the check has n't been cashed. When I contacted Discover I was told the company that process Discover 's bill payment processes some bills as " Draft Checks '' which are only debited when they are cashed. The company processes other checks as " Single Check '' and these are debited from the account the day they are scheduled to arrive, even if they are n't cashed. Discover could n't explain why payments are processed by XXXX method or the other, and I was also told that I could not choose which way my payments would be processed. This is not what it states on the Discover website. On the Discover Website under " Help / Checking FAQS '' it states : I scheduled a bill payment, why has n't my available balance changed? Paying a bill with Online Bill Pay is similar to writing a check. When you schedule a bill payment, your available balance does not change until the individual or company you are paying actually processes or cashes the payment. This is not true. My payments labeled as " Online Payments '' are being deducted even if they are not cashed, not when the check is cashed.
01/05/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • NJ
  • 08648
Web
1 ) XX/XX/XXXX : I submitted online a form to wire transferred {$35000.00} from my saving accounts to a relative 's bank. Both banks are in the USA. XXXX XXXXmy bank : Discover, my relative 's bank : XXXX XXXX XXXX XXXX I live in XXXX the money was meant to be transferred to XXXX. 2 ) The {$35000.00} amount was deducted from my savings account on XXXX XXXX, XXXX, as of today, XX/XX/XXXX Discover can not give me an update as to when my money will be transferred. 3 ) Discover bank said the transfer would only take 3-5 days max. XXXX ) Discover bank called me twice in early XXXX asking to confirm the same information ( my name and social security number ). Every time Discover bank would say that the wire-transfer needed to be approved by the Federal Reserve and they would give me an update in 3-5 days. 5 ) When Discover bank stopped calling me I called 3 times ( in XXXX and XXXX ) to ask for an update and every time they said the same thing : that my wire-transfer was on hold because " they '' needed to confirm my name. I asked where was my money and they first said it was with the Federal Reserve. I asked to please cancel the wire-transfer if that would return my money/ {$35000.00} back to my account and they said that would not happen until the Federal Reserve released the money. 6 ) I called the Federal reserve on XX/XX/XXXX and they said they do not " hold '' the money, and they only take 1-2 days to review and approve wire-transfers. The Federal Reserve said Discover had misinformed me and to contact the CFPB. 7 ) I called Discover on XX/XX/XXXX and they said the same thing again : that my wire is " stuck '' in some government agency and also they asked for my name again asking if I was certain I had provided my full name correctly or perhaps I misspelled it and that is what is causing the delay, which is absurd. They kept me on the phone for 30 minutes with no resolution. The customer representative said he will personally call me this week ( week of XX/XX/XXXX ) to give me an update. However, I have been hearing the same story since XXXX XXXX, XXXX with no resolution.
04/26/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 90501
Web
From XX/XX/XXXX to XX/XX/XXXX my Discover credit card has been extensively used by a scammer. I opened this card mainly for the purpose of balance transfer from another card, I set up a minimum amount to pay back every month, I barely used the card and did not pay attention to the billing statements. It was not until XX/XX/XXXX that I found out about the fraud amounts on this card, I contacted Discover right away and they promised me to resolve this ; within the month they returned the amounts disputed of {$250.00} back to my card, but that was not the full amount, Discover still owed me {$130.00} but I never heard from them again. I thought it'd be over and I could move on but no, the card was again used by scammers and charges continued to occur well into XX/XX/XXXX. I reported the issue to Discover and asked for a new card and the company again promised to resolve it. By this time, the overall charges were {$770.00}. Discover later refunded me {$540.00} but the remaining amount of XXXX XXXXwas never received. However, in XX/XX/XXXX Discover charged me {$460.00} out of the previous disputed amounts. In XX/XX/XXXX I disputed for the third time against the amount charged in XX/XX/XXXX with them, and they again promised to help me. Today is XX/XX/XXXX and I have not heard or received any response from them, I have called and followed up with the company at least 5 times. I just finished a phone call with Discover representative and was told the fraud department had completed the investigation one month ago on XX/XX/XXXX, and determined the charges were my liability. In addition, without any new information I can not open another dispute with them. However, during my previous followups nobody had told me if they made any progress in my case, and all of a sudden now they are telling me I am responsible for these charges. We are now burdened with an extra {$620.00} to pay which was fraudulently used. We have been working hard to pay off our debts, but with situations like this we will never achieve a debt free life. Please consider our complaint and uphold justice.
08/31/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Getting a line of credit
  • MD
  • 21224
Web
On XXXX I went to Discovers website to apply for a personal loan for personal, family, and household purposes. I provided my personal information and my social security card # ( or credit card pursuant to the Truth in Lending Act/Regulation Z ) which allows me to extend my credit to the company to obtain financing for personal, family, and/or household purposes. The attached document shows the definition of credit in the Federal Code of Regulations, any violation of this code constitutes fraud and illegal activity ; which this company would be responsible for civil and/or criminal liability for violating any of my federally protected rights as the consumer in this transaction. After submitting my information on the credit application, which Discover accepted and proceeded to pull my consumer reports. Discover then denied my application for an extension of my credit on the basis of me having an existing account with them as well as my consumer reports. Consumer reporting agencies like XXXX, XXXX, XXXX, XXXX and others have an extensive history of having inaccurate reporting, this is proven by their many data breaches and complaints on the CFPB. Which is why the Fair Credit Reporting Act was created. The credit score is a made up number based on inaccurate information that is being reported on consumers, without their consent, which violates their privacy. This company can not use a credit history or a consumer report to deny me access to an extension my own credit pursuant to Truth in Lending Act without offering a counter offer. According to the Equal Credit Opportunity Act, a company can not deny a consumer access to credit for any discriminatory reason. It states that Credit is a right, which can not be taken away for any reason when a consumer extends their credit card ( or social security XXXX ) in good faith to obtain financing for personal, family, or household uses. In using my credit history or consumer reporting as a basis to deny me my right to credit, Discover is violating my federally protected right credit as the consumer in this transaction.
06/29/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CA
  • 92596
Web Servicemember
I am a victim of identity theft. In XX/XX/XXXX, when I checked my credit score from my financial institution 's site, I noticed that my score went down XXXX points from XXXX to low XXXX. I reviewed my credit reports and learned that my personal information was used to open various accounts with XXXX and Discover. Based on the information that XXXX sent me, the accounts were opened using my name, SSN, birthdate, an old address from XXXX and a made-up email using my name and birthyear. I did not open nor authorize these credit card accounts and I contacted said companies to have them : 1. Close said accounts immediately. 2. That XXXX and Discover absolve me of all charges on the accounts, and 3. That they take all appropriate steps to remove information about these accounts from my credit files. I filed a police report through the XXXX XXXX XXXX Department. I also filed an Identity Theft report through the Federal Trade Commission. I have contacted the companies where fraudulent accounts were created. I have also reported this to XXXX, XXXX and XXXX. I spoke to a Discover Card Fraud Department representative, " XXXX '', on XX/XX/XXXX. XXXX claimed that their initial investigation did not find that fraud occurred in this account because the phone number they said is associated with the account is a phone number linked to me based on public records. I have a different phone number than what they have on file. And I have been using this number since I started subscribing to XXXX from XX/XX/XXXX. I have received a letter from Discover dated XX/XX/XXXX which stated that I am responsible for the entire balance on the account and will begin receiving statements within 30 days. The representative gave me the name, address and phone number of the merchant involved in the fraudulent transaction. I contacted the XXXX XXXX XXXX Department and gave them this information to update the status of the fraudulent accounts. The Sheriffs Deputy who assisted me, XXXX XXXX, created a supplemental report and forwarded it to the XXXX XXXX Police Department for possible further investigation.
09/11/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • IL
  • 60605
Web
Submitted a pre-approval request XX/XX/XXXX and was advised I would qualify for two different cards and was asked to apply. Completed application on XX/XX/XXXX and was advised I was denied for the card. Called and was told the reasoning was due to a prior or current account that was with them that went past due. I had a prior card back in XXXX that was then discharged through a bankruptcy ( Chapter XXXX ). It went past due prior to filing. The person advised the reason I was denied and only reason is due to this past due account. I then asked what is their time frame that I would then become eligible to reapply and that this condition would not count against me. I was told I could " apply at any time ''. I advised this doesn't make any sense given I just applied today and was advise I don't qualify due to this issue. I asked what is Discover 's policy regarding when someone who had an account that went past due would be eligible for a new account. I was told they don't have a policy and that I should consult a financial adviser. I responded this is not accurate information as a financial adviser would not be able to advise what Discover 's policy is and that this denial is due to their own policy not external. I was never able to get an answer. All I simply want to know is what is their policy. Its pointless for me to keep reapplying for a credit card with them and having a hard hit against my credit if I'm just going to get denied for an old account that was legally discharged. Its also very poor that someone would just tell you to keep reapplying without a consideration to the fact this hurts your credit with a hard inquiry or be able to provide a time line. Its rather insulting to be told there isn't a time frame when if I'm being denied because of this, it would logically mean there is one. Also if this is the ONLY REASON for denial as stated per the rep, it would typically mean there is a POLICY in place about this. As a consumer you should be able to be informed when asking about what the policy is in order to make decisions regarding your time and credit.
03/23/2017 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • TX
  • 78148
Web Servicemember
I was contacted by Discover student loans in XX/XX/XXXX and was told that my in school deferment had expired and that I needed to reapply and that it would take approximately 4 weeks approve and to call back. I contacted Discover again in XX/XX/XXXX and was told I received misinformation but that I may have additional deferment time and that they needed to look into things further. During this time I was speaking to Discover daily and receiving different information every time I spoke to them. I informed Discover that I could not make payments for the full amount of XXXX dollars because I am in school completing my XXXX degree and my family was preparing for a move across the country because of my husbands military status. Finally in XX/XX/XXXX an account manager informed me that if I made payments of XXXX on XXXX of the month that I can have a rolling delinquency and my account would not go into collections status. Discover contacted me this week and told me that my loan was 92 days past due and that they had reported my account to both my and my co-signers credit reports. When I spoke to an account representative he informed me that he saw where the account manager had given me the information in XX/XX/XXXX and that he could see that I had been making the payments on the XXXX of the month since but that the information I was given by the account manager was not true. He also informed me that had my account not been placed in collections status that my co-signer could have been removed from my loan but that " they do n't like to tell people that '' and now it was to late to do. He also told me that because they purchased the loan from XXXX that they can not do anything for me and that their hands are tied.That they are not honoring the terms that they honor for their own loans but instead are sticking with the originally terms.I have received misinformation from Discover at every turn and honored the agreement that I was told would keep my account from reaching default status in XX/XX/XXXX but I am continuously being lied to and now it has seriously affected my credit.
12/23/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • TX
  • 770XX
Web
I previously expressed to the Discover Executive Office that the payment was too high considering the balance is cut in half. So then I proceeded to log into Discover and make a request for XXXX XXXX on XX/XX/XXXX. Never got a response to that request whatsoever. Today is XX/XX/XXXX and I logged in again to see if there was any response and there was nothing. So I clicked on message an agent and expressed the issue. My message : I sent a credit assistance request on XX/XX/XXXX ( it is still in my sent folder in the Discover messages ) and no one has replied at all. The Reply message : One of our 100 % US based customer service agents will be with you as soon as they can. Feel free to return anytime, your message history will be saved here. My Message : It looks like someone is typing. Are you there? The Reply Message : Hi, this is XXXX in XXXX XXXX XXXX, I appreciate you reaching out about this. I'm sorry to hear that you have not received a response. To make sure I best assist can you please clarify what type of assistance you are needing? My Message : the payment I can not do this month. I also realize that since I closed the account the deposit was applied to the balance so the payment minimum will be far lower next month ( 3 minutes go by ) My Message : Still there? The Reply Message : Thank you for reaching out to us! Our representatives are currently out of office. We are available Mon-Fri XXXX ET, Saturday XXXX XXXX, and Sunday XXXX ET or call us at XXXX. My messages : What happened to 24/7 customer service? I guess I will have to file a complaint with the Consumer Financial Protection Bureau since the previous agent simply ended the chat. Hello? That is extremely rude to not even respond directly! No one ever responded to me directly nor came back on the chat. First it said there is 24 hour US based customer service and then I am simply ignored after that with some generic message posted. The point of accessing the chat is because no one responded to my initial email through the discover website. NO, I can not call in so email and chats are my only option.
07/26/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 611XX
Web
Without my authorization or knowledge, a Discover card employee erroneously started a dispute on a charge for airline tickets. Discover claims that they have cancelled the dispute. However, the airline shows neither the dispute nor cancellation. I have it in writing that Discover cancelled the dispute. However, my flight is at risk because the airlines have no record of the cancelled dispute. I have been on the phone with the airline and Discover for over 3 weeks and I believe there is still a problem in that my airline tickets reservation is still at risk, according to the airline. Despite telling Discover this, all they will do is issue me a {$100.00} credit, which is appreciated. However, the airline told me that Discover should be able to contact the airline online to cancel the erroneous dispute. Discover claims that they don't know how to do this and don't need to and keep trying to assure me that all is well and that my flight is confirmed. Despite my calling Discover again today to tell them that I am receiving an email from the airline that is asking me yet again to confirm my flight and Discover card payment for the flight, Discover is trying to placate me by telling me all is well. All is not well and I don't appreciate that they will not let me talk to anyone in authority except for low-level supervisors who try to placate me. Discover has offered to refund me my money if my flight is cancelled. That's not the issue. I don't want a refund. I want my flight assured. I also want to file a formal complaint against Discover for initiating a dispute without my authorization and for the way that they have mishandled their mistake in the past 3 weeks. I see no way on the website to initiate a formal complaint against Discover. If they treat people like me ( and my spouse ) who have been long-time customers and have extremely high credit ratings, I shudder to think how they treat marginal customers. I seek the opportunity to speak with the head of billing for Discover, despite their underlings saying that " they have other things to do besides talk to customers. ''
07/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 350XX
Web
Re : Discover Bank : Account # XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against XXXX, one of the major credit reporting agencies, regarding their inaccurate reporting and refusal to remove an account from my credit report. Background : For several months, I have been diligently corresponding with XXXX to rectify an issue with the reporting of an account on my credit report. Despite my repeated attempts to dispute the accuracy of the reported information, XXXX has consistently refused to remove the account, which is now impacting my creditworthiness and financial standing. Details of the Complaint : Inaccurate Reporting : XXXX has continued to report the account 's payment history as being in collection every month, even though the account has been closed. The account 's payment history should not have been reported further after the account closed. This inaccurate reporting misrepresents my creditworthiness and financial situation, potentially affecting my ability to secure loans, obtain favorable interest rates, or engage in other financial transactions. Failure to Correct Inaccuracies : Despite my best efforts to provide evidence and supporting documentation proving the closure of the account, XXXX has neglected to take appropriate action to remove the inaccurate reporting. This refusal to address the issue is in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and up-to-date information. Adverse Impact on Creditworthiness : The continued reporting of the account as being in collection has had a significant negative impact on my creditworthiness. I have experienced numerous adverse consequences, including difficulties in obtaining credit, securing favorable terms on loans, and facing higher interest rates. These actions have continued despite me providing proof from Discover themselves that the account had been closed and should not be reported as a collection account each month.
10/04/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NC
  • 27604
Web
My father died in XXXX and had a balance on a credit card with Discover. Discover then used my identity to notify the IRS that the account had been written off, in my name, causing the IRS to bill me for {$2500.00} for more taxes due to the write off in my name. Discover never contacted me or notified me in any way prior to my notice received in the mail from the IRS. I have talked with Discover, on multiple occasions, to inform them that I had nothing to do with this issue and to please notify the IRS. Even after all the information provided to Discover, they still have used my identity to write off the debt for my father. It is obvious that there is an account for my father with a specific account number and there is an account for me which is current, with a specific account number. The account numbers are different yet DISCOVER refuses to acknowledge they are using my identity for an account I am not associated with. The latest correspondence, from Discover, confirmed that Discover was still going to use my identity to write off the debt for my father. I started to just pay this, but I can not pay because if Discover can arbitrarily use my identity to use as a write-off then notify the IRS of that write-off, they could arbitrarily use anyones identity and do the same thing. It makes me wonder if this is not commonplace? My identity has been used to satisfy a debt for someone else and is evidently not a mistake on DISCOVERS PART DUE TO THE MULTIPLE DISCUSSIONS I HAVE HAD WITH THEM. Identity theft would seem to me to be illegal for everyone including corporations attempting to write off a debt in someone else 's name. This is my last step as I have a meeting with legal counsel tomorrow because this issue is serious and has not been corrected by Discover. I feel I have no choice as my identity was stolen to mis-represent a write off for someone else besides me. Thanks NOTE : In the step where it asks " is someone else involved '' I stated No because my fathers account is involved but he died in XXXX. I am not sure how to answer the questions due to that fact. Thanks
07/25/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • SC
  • 29526
Web
I am a victim of identity left for the past 1 year and a half, There have been numerous fraud charges and credit card accounts opened under my name without my permission. To make matters worse I have lost my wallet at a local gas station around XXXX of this year and everything in my wallet were gone. All of my IDs and my credit cards have been compromised, including my phone. Recently I have noticed there are numerous charges under many credit cards that I own and I've reported to my credit card companies promptly. Most have already issued a refund or provisional credit but the credit card company I'm having an issue with is DISCOVER card. They have declined my request to pursue refunds against a company that I have not done business with. There is an on-going identify theft alert in my name with FTC. Ive also put a year fraud alert with credit companies for this entire year. Please re-open an investigation for this fraud case on my behalf. Furthermore, I have also enclosed a police report for the illegitimate charges as well circumstances that have caused the identify theft in the first place. I contacted the merchant directly and they have informed me some details. - IP address they have provided does not match my actual location or my IP address. - My legal/real name is XXXX XXXX XXXX NOT XXXX XXXX or any other names they have claimed the card was used under. - The email address those purchases were made under were not under XXXX and thus I have no access to them or know anything about them. - The pattern of those charges were inconsistent comparing to my purchase history with DISCOVER, I would and never have purchases anything in this amount within a short period of time. - Lastly, according to the merchant rules and guidelines competitors are NOT able to vote for themselves, so those charge can not have been under my account anyway and advise me to contact my bank to dispute it as fraud. - I have moved away from XXXX, WV XXXX since XX/XX/2023. I have returned to visit friends and family in XXXX but currently I reside in SC now as you can see my billing address.
02/12/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • NJ
  • 08902
Web
On XX/XX/2020 I paid my account down to a {$0.00} Balance. The account was a secured card account. On XX/XX/2020 I received a notice from XXXX that Discover wanted me to consent to receive information from the IRS to verify information on my secured credit card account. The notice from XXXX claims that my account with Discover Card would be closed in 14 days if I did not consent to the request to fill out IRS form 4506-T. I complied and filled out the form. I then attempted to use my card and it was blocked by Discover, I was not informed of this until I called them. I was informed that I had to wait up to 10 business days for the IRS to get back to Discover Card Before I could use my card. I was then blocked from accessing the account online. I needed a letter from Discover to give to my mortgage lender to confirm that the account was in fact paid to {$0.00} and Discover claimed that they were unable to provide me any information on the account until the IRS issues were resolved. Then after a second call to them and speaking with a manager I was told that they had to get a special department to lift the block temporarily so that a letter could be sent to me for my mortgage company. Then at XXXX XXXX on XX/XX/2020 I received an email from Discover that my account was closed because they were unable to verify information on my account. I called them and they blatantly refused to give me any information and specifically stated that the letter is the most information they can provide to me and they would not under any circumstances tel me what reasons or why specifically my account was closed. They denied me the secured credit card that I had for a few months and did not want to provide a reason. They promised to tell the credit reporting agencies that the account had been closed. I feel they discriminated and that their action amount to a sabotage of my credit rating that I diligently worked hard to obtain and they held the account from me with a {$700.00} secured deposit for reasons that they refused to tell me. Their actions are unfair, unreasonable and repulsive.
06/11/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 49417
Web
XXXX XXXX XXXX XXXX, a debt collector, along with Discover Bank, continue to attempt to collect a fraudulent debt ( XXXX XXXX XXXX File # XXXX ) which was the result of identity theft, despite being notified several times that this was a fraudulent debt, in willful violation of FCRA Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 6 ), and Section 615 ( f ). Additionally, XXXX XXXX XXXX XXXX, along with Discover Bank, continue to attempt ( albeit unsuccessfully ) reporting this debt to the major CRAs in violation of FCRA Section 605 ( b ). I have notified both XXXX XXXX XXXX XXXX, and Discover Bank several times, beginning XX/XX/2017 via certified, registered mail, as well as e-mail that this debt is a result of proven identity theft. I have kept complete, and extensive documentation of these interactions. However, largely, I was ignored by both named entities, despite having return receipts from the United States Postal Service showing that my documents were signed for. In the above mentioned documents, I have provided both XXXX XXXX XXXX XXXX, and Discover Bank, multiple times, with the following : a police report, an FTC Identity Theft Affidavit/Report, a personal statement, notifying both XXXX XXXX XXXX XXXX. And Discover Bank that this debt is a result of identity theft, a copy of my credit reports with the account highlighted, a copy of my identification, a copy of the FCRA Notice to Furnishers of Information, as well as a copy of my accepted FCRA Section 605 ( b ) requests, and finally, a letter regarding my security deposit at my previous residence, proving that I had moved out more than a month before XXXX XXXX XXXX, and Discover Bank claim I applied for, and opened the account. XXXX XXXX XXXX XXXX., in conjunction with Discover Bank, have willfully violated the Fair Credit Reporting Act multiple times, and have completely ignored me, or provided me with generic information that any identity thief would have ( social security number, date of birth, mothers maiden name, and a previous address I no longer lived at ), each time I have been in contact with them.
05/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MA
  • 02150
Web
I had my identity stolen and information was used to open credit cards and other accounts. I filed a report with the federal trade commission ( FTC ) and a police report. They gave me a report to send to the credit card companies and the credit bureaus. I did as they asked and the cards that were opened fraudulent were removed but except one credit card ( Discover Credit card ). I have filed multiple claims with them to for an investigation and they keep saying its mine even though I sent the Reports. I filed disputes multiple times with the credit bureaus and discover keeps telling them the account is mine. I was not in the country at the time this discover credit card was opened and I have sent discover the travel itinerary also and they still wouldn't belive this account was fraudulent. They keep making excuses that they can't read the itinerary, even though I have sent it to them multiple times via mail/fax/email. I got fed up with their negligence and called them again to see how I can have this problem resolved. They advised me on a recorded phone call that if I make a payment to them as a settlement even though this account is not mine that they will remove it from my credit reports. I made the payment to them in the amount of {$630.00}. I called back to check with them if they had updated the information with the credit bureaus. Then I was advised that they the representative had made a mistake by telling me the information about getting rid of this problem and that now since I have made a payment on this account that means that I have accepted responsibility for this account. This is fraud. They are defrauding people such as me. I have been defrauded before for my identity and now I'm being defrauded by discover all over again. I need this matter to be looked into and resolved please. Discover needs to be investigated for this fraudulent action they took with me and false promise. If they remove this account from under my name as they promised i will look into taking further action. Thank you very much for your help and I hope to hear back from you soon.
08/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23455
Web
In reference to Discover Bank Account # XXXX On XX/XX/, I wrote Discover Bank a letter informing them of their inaccurate reporting of an account on my consumer reports. Discover Bank is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Discover Bank ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Discover Bank ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from Discover Bank for the cancelled debt of {$6000.00} in order to file as ordinary income. Where is my 1099-C Discover Bank is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is unsatisfactory! Discover Bank has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information, and as such I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
03/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MA
  • 01832
Web
For the first time I ordered XXXX credit report XX/XX/XXXX I found in my XXXX credit report # XXXX dated XX/XX/XXXX Discover card # XXXX issued XXXX I dont know any thing about this card and never been in my possession on XX/XX/XXXX at XXXX XXXX I called discover customer services I told them that I never receive the card mentioned above I also stated that I never sign any application for that card I asked the rep to give me any proof of signing any application the send me a form to fill for investigation. On XX/XX/XXXX I received a discover letter stated that the application I requested is not retrievable. On XXXX, XXXX at XXXXXXXX XXXX I called XXXX ( discover rep ) I asked him if customer services fix the issue and remove my ownership of the card ending XXXX out of credit agencies he told me that he will send me a form to fill for disputing the owner ship of the credit card I filled the form and returned it direct. On XX/XX/XXXX I received discover letter stating that the card issued on XX/XX/XXXX was sent to XXXX XXXX XXXX XXXX MA XXXX meanwhile my address was and still XXXX XXXX XXXX since XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX I called XXXX / XXXX XXXX XXXXXXXX Representative she said that she will start a new investigation and to send me any proof of ownership of the credit card I kept calling an calling but no solution. The card mentioned above was reported in my XXXX credit report since XXXX I filled chapter 7 bankruptcy on XX/XX/XXXX if the card mentioned above was in my possession why wouldn't include it in my bankruptcy. after long searching I hired an attorney to sue discover On XX/XX/XXXX my he sent a letter to discover regarding the card but my bad luck was that he passed away before follow up. Lately discover claim the amount that was not related to me with a form 1099 to pay taxes on. I don't know what to do I hope you help me avoiding the tragedy that I suffer years and years they hurting me financially I still can not buy a house. I am still looking for an attorney who accept sue discover you don't believe how nit was and still hurting me.
03/25/2015 Yes
  • Credit card
  • Closing/Cancelling account
  • FL
  • 32304
Web
I was a discover card holder as of 2012. During my entire card membership with the company, I was never late with my monthly payments, always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. About a XXXX months ago ( XXXX XXXX ), without any warning and notice in advance, the company closed my account and thereby wiped out my 3 years of credit history associated with Discover card. I contacted the company and demanded for an answer. Other than the excuse that " we are no longer able to meet your servicing needs, '' the company never gave me a forthcoming response. Most importantly, I have about {$1100.00} cashback bonus in my account when you close my card, and I was told by discover agent that they will return my cashback bonus in two bill cycles. But I wait for two bill cycles, and get nothing from them. Today ( XXXX. XXXX ), I called them about the cashback bonus. They told me that when my account was closed, the cashback bonus " was forfeited ''. However, in their website, they say that " We will credit your account with your Cashback Bonus balance if your account is closed or if you have not used it within 18 months ''. As a credit card company, the most important thing is to fulfil your promise ( contract ) with consumers. But now, this company uses its real actions to prove that they do not follow the contract. Moreover, upon the discussion I had with other cardholders and information I learned from the internet, I have a reasonable belief that the closing was targeted at a large number of cardholders with a particular racial and ethnic background ( more specifically, XXXX XXXX ) without a just ground. I believe that CFPB is or will be getting more similar complaints in the near future. I respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this. But if the closing was indeed motivated by racial bias, the company 's action has to be put in an end. Thank you.
12/02/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MS
  • 394XX
Web
Unfair business practices ; I received a letter on XX/XX/ 2019 from Discover Card Services dated XX/XX/, 2019 regarding a credit limit increase on the account. I have had the account going on 2 years and I have even paid the account off completely couple of times. Anyway, I had enquired about a credit limit increase cause it had been over 8 months since the last credit limit increase ( {$1600.00} ), and the account as I mentioned above has been opened going on two years with a perfect paying record, and is current as the present time. THe letter states that I was not eligible for a credit limit increase cause of ; " insufficient Experience with Current Discover Card Credit limit ''? I try to speak to a representative about it and all I got was ; " sorry we can't approve a credit limit increase at this time '', even though I have paid on this account on time every month, never missed a payment. The representative told me that on XX/XX/ 2019 that my credit score was " XXXX '' with XXXX, but that is not true, my credit score as of XX/XX/ 2019 was XXXX with XXXX and XXXX with XXXX ( see screenshot attachment of credit score ), both is good credit, and as of today 's date, the score is still the same. So what the rep told me was a lie. I believe I am being treated unfair regarding " not having credit extended to me for no good cause '', and I contend that after I told the rep that being rude is unacceptable cause " I am a paying customer '', and since my account has been open going on two years, perfect paying record, the credit limit increase should be applied without me having to ask for it. I am a good ; paying customer and I should be treated like it. My complaint regarding unfair business practices ( denying credit limit increase without good cause ), should be investigated. I can understand not extending credit limit increase if the account is not current, but the account is current and over a year old, so with holding a credit limit increase because of the reason ( s ) listed in the letter is not accurate and unfair business practice and biased towards me.
06/25/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • XXXXX
Web
Discover and all 3 credit bureaus XXXX XXXX XXXX and XXXX XXXX have been and are reporting inaccurate information on my credit report. Discover and all 3 credit bureaus have been and are reporting hard inquiries without verifiable proofs of my consents. Discover and all 3 credit bureaus have been and are reporting those hard inquiries as inaccurate information without verifiable proofs. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to all 3 credit bureaus and Discover asking about the permissible purposes of those hard inquiries and verifiable proofs of the inaccurate information. I waited more than 30 days to have the verifiable proofs from all 3 credit bureaus and Discover of their inaccurate information and I didnt receive them from all of them. Since neither all 3 credit bureaus nor Discover have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries should be deleted immediately. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. XXXX certified mail tracking number sent to XX/XX/XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to DISCOVER FINANCIAL SERVI on XXXX/XXXX/XXXX : XXXX. The following hard inquiries which should be deleted immediately are : Creditor Name : DISCOVER FINANCIAL SVCS Date : XXXX/XXXX/XXXX Creditor Name : DISCOVER FINANCIAL SVCS Date : XXXX/XXXX/XXXX
03/03/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • TX
  • 76137
Web
Through out the month of XXXX I have had multiple issues with Discover Bank. I have had this bank for roughly two years and I never encountered so many issues with them like I have had in these recent past weeks. Discover Bank does not have any physical branches or services like deposit accepting ATM 's, they also do not offer any form of overdraft protection. Discover Bank does offer mobile deposit which they claim to be a convenient way to have deposits made quick and efficient to customers checking account. It is not so convenient as most items are not credited until one business day. I had contacted one bank official and asked if they could credit my account if I used an item such a cashier check ( which certifies the amounts mentioned on instrument ) Discover said they could credit the account as the instrument of deposit was certified, I would just have to inform a representative of the deposit and when it was made. I did that deposit for an amount of {$50.00} to avoid any negative balances, returned payments, and NSF charges. I also emailed them to inform them of the deposit so they could go ahead and credit my account and have everything corrected. I was emailed back by a representative at XXXX central time informing that they would not remove the hold on certified funds. Discover went ahead and returned XXXX ACH payments and XXXX draft payment because their was a negative balance. At the same time they had also place a hold on ACH deposits of {$250.00} the that would have covered the payments that were attempting to post on the checking account and the cashier check would have covered any other outstanding balances. Within the account summary in the online banking page of discover that the mentioned draft posted and cleared leaving a debit balance {$98.00}. I do not understand why discover put holds on my account for funds that certified and verifiable. Those actions by Discover have subsequently cause me to have had returned payment fees with my payees and have made stand out as customer that can not meet his obligations when that is not the case.
06/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • IL
  • 60543
Web
XXXX XXXX PM - I received an email stating : " We're writing to let you know that we noticed unusual activity on your account. For security purposes, we have suspended access to your account. If you have already spoken to us about this, no further action is needed. Here 's what you need to do : Call us immediately at XXXX ( TDD XXXX ) to discuss your account. Our 100 % XXXX-based customer service team is available 24 hours a day, 7 days a week. '' XXXX XXXX AM - I call XXXX in regard to losing access to my online account, after holding for 15 minutes. XXXX XXXX AM - I call XXXX in regard to losing access to my online account, and after being on hold for 1 hour and 21 minutes, I hang up, as the wait time was much longer than expected, and I plan on calling back at a later time. XXXX XXXX PM - I call XXXX in regard to losing access to my online account, but my phone glitches. XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I decide to call again later. XXXX XXXX PM- I call the alternative number listed in the email, XXXX, being put on hold for 3 hours and 13 minutes, then I am hung up on. XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I decide to call again later. XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I decide to call again later. XXXX XXXX PM- I call the alternative number listed in the email, XXXX, being put on hold for 30 minutes, speak to a representative, and am told that the line is only for credit card issues, and that I should call XXXX. XXXX XXXX PM- I call XXXX, expressing the urgency of not having access to my primary bank account for three days now, am denied a request to speak to a supervisor, and am told my only option is to call the number I've been attempting to call the past three days, but have received no response from. XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I hold for 27 minutes, and decide to call again at a later time.
05/04/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NY
  • 11214
Web
The Discover Credit card does not want to hear and consider that facts that I am showing about the fraud on my credit card. As I explained to the representatives at the Discover that i was away for work my card was charged at several locations in a different state. There was also a charge from XXXX store and i was told by Discover that it delivered to my address. 1. I did not make the purchase/order from XXXX, which from what i was told was for 10 XXXX or so. 2. I did not give Discover permission to charge the card ( i was told by Discover that someone allowed the purchase to go through. ) 3. Discover card does not want to acknowledge the fact that i was away from New York in XXXX when the orders and the charges were made. I am sure it is possible to track where the order was made and how and by who. 4. THE MOST IMPORTANT. The only fact that the Discover Credit card relies on and does not want to hear me, is that the delivery was made to my address and it was signed for it with my first name. I however several times tried to prove that i did not receive the delivery and i did not sign for it. The fact that the investigators, discover card and XXXX XXXX. can not find the suspect does not make me responsible for the charges. I am sending proof of three official government issued Identification cards and each of them has my signature on them that do not match the signature that was signed for the delivery. If discover claims that it was delivered to my address and signed, it could have been received by anyone, outside, in the lobby ( because i live in an apartment building ) in the hallway. So it is up to investigators and Discover to find who made the purchase and who received it. Also for the XXXX company who delivered the package. If the package was for an amount over 10000 dollars they of XXXX products they should have checked who they were delivering the package to, by at least checking the ID. Once again please hear and read my information and do not only rely of things that favor you Discover Card and make conclusion without ALL the facts.
08/03/2017 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Problem lowering your monthly payments
  • MI
  • 48503
Web
The issue I am having is with XXXX XXXX XXXX XXXX XXXX. I owe a considerable amount in student loans and am facing a monthly payment that is not achievable for me at this time. I graduated with my second XXXX XXXX degree in XXXX 2016 and my payments for this company began in XX/XX/XXXX, little over a month after my graduation. My payments are ~ {$700.00} per month and my income is XXXX {$1000.00} per month. I have called multiple times to try to reduce my payments and have been told that I have already utilized all forbearance/deferment options and that there is absolutely no possible way to lower my payments. I explained that I would be more than happy to make regular payments, but just at a rate that does not include 70 % of my monthly income. I was told there was nothing I could do and that my account will default after 120 days past due and be sent to collections. My co-signer ( my father ) has come under difficult times : he was laid off and has since had many health issues, has undergone XXXX treatment, is currently applying for XXXX XXXX XXXX, and has no way of assisting me financially. I spoke to a manager at XXXX XXXX and explained the whole situation, and she even agreed with me that it would make far more sense to lower my payments than for my account to go to collections, where they would be unable to collect anything from either me or my cosigner ( because we do n't have anything of any monetary value to collect ), however she stated there was nothing she could do and told me to try to borrow it from someone else. I have no other options. I am doing my best to find full-time work that will pay for this. In the mean time, the past few months I have been paying the {$700.00} to keep it out of collections and not paying for other necessities ( e.g. other student loan payments, rent, food, etc. ). I am truly putting forth my very best effort to stay in good standing with this company and meet all of my financial obligations, however this is just not reasonable. I would very much appreciate any help/advice you can offer me to remedy this situation.
04/13/2017 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • MI
  • 496XX
Web Servicemember
I took out a personal loan with Discover. I had major problems when I first took it out with the posting of their payments, After MANY phone calls it was resolved and they credited my account {$50.00} for all my problems. It has begun again I agreed to monthly payments of {$180.00}. My statement cut off date is the XX/XX/XXXX of the month and I usually make my payment around the XX/XX/XXXX. My XX/XX/XXXX shows late charges of {$78.00} with {$39.00} reversed. However, online it does show they were both reversed. The XX/XX/XXXX statement shows my payment amount due {$180.00}. I called to find out why the late charges were on my account and why the payment amount changed. The person I spoke to on XX/XX/XXXX said she would research it and call me back the following Monday between XXXX-XXXX EST. I never received that phone call. I made my payment of {$180.00} because I did n't want then to say I did n't make my full payment amount. Today I received my XX/XX/XXXX statement and the other {$39.00} late charge does not show reversed and it show I am PAST DUE ..XXXX when I actually paid .XXXX extra! So once again I called, put on hold for them to research, was on hold for 20 minutes and disconnected. I called back, again put me on hold, came back and told me that it shows online the late charge was reversed and it 's more accurate than their statements. All the time laughing about it. What if I did n't have online access?? Is n't a statement suppose to be accurate. I ca n't tell by the statement if the {$39.00} is still in my balance. She could n't explain why it showed .XXXX late and laughed about it being wrong. All I want to know is why my statements are not reflective of my true payments and agreement I signed and no one can seem to give this to me. I took out this loan XX/XX/XXXX and my statement half been incorrect at least 6 months. I wanted to report to the BBB but I could n't even find them there. Unfortunately I do n't have a source to attach the history but discover should be able to look it up since according to them their online system is more accurate!
03/09/2022 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NY
  • 11214
Web
An unknown hacker did a SIM swap and took over my SIM card with my cell phone number. This hacker used my phone number to call my Discover Bank pretending it was me and did 2 fradulent wire transfers of {$150000.00} to an external bank named XXXX XXXX XXXX XXXX and {$100000.00} to external bank XXXX XXXX XXXX XXXX XXXX. Both wire transfers took place on XX/XX/22 which was the time that my phone stopped working. I couldn't text or call anyone starting from the afternoon of XXXX to the evening of XX/XX/22. I changed my SIM card on the evening of XX/XX/22 where there was weird call forwarding set up. When my husband called me, an angry XXXX man with an XXXX accent picked up. We have the cell phone records proving these fraudulent phone calls were made using my phone number. I reported this grand larceny crime to the FBI and with the XXXX. Discover has submitted the 2 recalls to get these funds back. However, due to the regulations XXXX, Discover is telling me that if the recalls are unsuccessful, Discover will NOT reimburse me the funds. I never knew this fraudster/hacker. This fraudster hacked my SIM card and used my identity to do XXXX fraudulent wire transfers. And Discover Bank was negligent in not doing a thorough verification process to ensure my identity and negligently approved and processed XXXX outbound wire transfers of {$100000.00} and {$150000.00} to another person to XXXX external banks. If the wire recalls are not successful in retrieving all of the funds or only receiving the partial funds, Discover should reimburse me until I get the full {$250000.00} with fees back to my account. Federal Regulations e protect against unauthorized electronic funds transfers ( EFT ). And wire transfers are EFT. Therefore, I should recover the full amount of {$250000.00} even if these are domestic wire transfers. Discover refuses to cooperate with me in recovering the funds by refusing to give me the account numbers of the external that these funds went to. Discover has been uncooperative and are not making their best efforts to retrieving these funds.
11/12/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CA
  • 91352
Web
IN XXXX OF XXXX SOMEONE FRAUDULENTLY OPENED A DISCOVER CREDIT CARD USING MY PERSONAL INFORMATION. THE CHARGES MADE ON THAT CARD ALONG WITH THE PAYMENTS MADE WERE NOT DONE BY ME, THEY WERE NEVER AUTHORIZED BY ME. AS SOON AS I FOUND OUT ABOUT ABOUT THIS I DIRECTLY CONTACTED DISCOVER AND ASKED THEM TO CLOSE THE CARD, AT THAT TIME THE CARD WAS AT XXXX BALANCE AND DISCOVER CLOSED THE CARD AND REMOVED IT FROM MY CREDIT REPORT. BUT LITTLE DID I KNOW THE PERSON HAD ORDERED A DUPLICATE CARD WHICH HAD A DIFFERENT ACCOUNT NUMBER BUT IT ALL FALLS UNDER THE SAME ACCOUNT WHICH IS REMOVED FROM MY CREDIT PROFILE. AS OF XX/XX/XXXX DISCOVER IS REPORTING THE CARD ON MY CREDIT REPORT AGAIN, AT THIS POINT I HAVE SENT THEM MY IDENTITY THEFT REPORT, MY POLICE REPORT AND PROOF OF MY ACTUAL ADDRESS WHERE I LIVE AND WHERE I RECEIVE ALL MY MAIL. SO I SENT THEM VERY PERSONAL AND CONFIDENTIAL ITEM TO THEM MY RETIREMENT/PENSION DOCUMENTS. NOW THEY ARE SAYING THE PROCESS IS GOING TO TAKE ANOTHER 30 DAYS FOR THEM TO REVEIW AND INVESTIGATE. I HAVE BEEN TALKING TO MAYBE 10 DIFFERENT PEOPLE AT DISCOVER AND I KEEP TELLING THEM HOW ARE YOU INVESTIGATING WHEN NO ONE IS CALING ME CONTACTING ME AT XXXX NUMBER I AM GIVING THEM TO VARIFY ANY INFORMATION. THEY ARE JUST TAKING THE WORD OF THE THEIF AND THEY ARE RUING MY LIFE.THIS FRAUDULENT CARD HAS LOWERED XXXX XXXX SCORE TO XXXX AND ITS EFFECTING MY LIVELY HOOD. APPARENTLY THIS THEIF HAS A PHONE UNDER MY NAME AND AN EMAIL, AN ACCOUNT AND AT THIS POINT I DON'T KNOW WHAT ELSE IS THIS PERSON GOING TO DO. I NEED TO GET RID OF THIS FRAUDULENT DISCOVER CREDIT CARD FROM MY CREDIT PROFILE. I LIVE A VERY SIMPLE LIFE AND I PERSONALLY DON'T HAVE ANY CREDIT CARDS UNDER MY NAME, I ONLY HAVE ONE XXXX CARD AND ITS AT XXXX BALANCE SINCE I DON'T WANT TO HAVE ANY DEBT. I EVEN WENT TOT HE POLICE AND ASKED THEM TO COME WITH ME SO WE CAN GO AND KNOCK ON THIS PERSONS DOOR, BUT THEY DON ; T DO THAT. I AM AFRAID TO GO ALONE, BUT DISCOVER IS LIVING ME NO CHOICE, I JUST DON'T KNOW WHAT THE OUTCOME WILL BE, I NWANT THIS TO RESOLVED SOON SO I CAN GO BACK TO MY NORMAL LIFE.
07/14/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • NY
  • XXXXX
Web
My name is XXXX XXXX and I am writing this letter to complain of the constant harassment I receive from XXXXXXXX XXXX XXXX XXXX First, XXXX XXXX XXXX, XXXX recently sued me for this same account and the action was dismissed ( attached ). This case was dismissed by the same creditor and attorney on XX/XX/XXXX. I explained this remained unpaid due to my wife loss of employment and I had to make a decision at that time to pay for rent, food and take care of my children or pay Discover ( please see attached of my wife previous job letting her go ). In addition, a garnishment was recently filed in court and signed by XXXX XXXX, XXXX XXXX on XX/XX/XXXX and I was never notified by court ( attached ). However, the documentation was mailed out to me by XXXX XXXX XXXX and the XXXX XXXXXXXX XXXX on XX/XX/XXXX and didnt actually arrive to me until XX/XX/XXXX which allowed more than two weeks to go by and not providing me with enough time to respond within a proper time frame ( attached are envelopes with postage date of mail out from XXXX XXXX and XXXXXXXX XXXX XXXX XXXX & date letter actually arrived to me ) this failure to proper notify me within a decent time frame providing me with less time to file an appropriate objection to the wage garnishment. As mentioned previously, I also never received notice from the court that a wage garnishment was filed in my name. I am entitled to allow sufficient time to file an answer without any malicious intent involved. The creditor nor the XXXX, XXXX XXXX followed proper procedure by failing to give me timely notice of the garnishment and therefore I am objecting to this garnishment. Moreover, I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX against XXXX XXXX XXXX for failing to follow proper protocol and also for providing paperwork with the wrong index number to intentionally keep me from filing my answer on time. I ask help from CFPB regarding the ongoing harassment I keep receiving from XXXX XXXX XXXX, XXXX over the years and to now for them to file a lawsuit and not properly notify me is illegal.
06/12/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • CA
  • 92104
Web Servicemember
Good Afternoon, My name is XXXX XXXX. I have reached out to Discover Student Loans multiple times for details on my account because I believe my balance is incorrect. I have made additional payments as well as those that have been due, when I noticed my balance had not decreased in XX/XX/XXXX or XX/XX/XXXX I began to do my own investigation, as well as reaching out through email, phone, and secured messaging on their website. I was told that there was a merge between accounts and that balances may be incorrect. That message was also posted on their website very briefly. I received multiple calls and emails hounding me for payments that had already been made. One rep actually had to apologize as she was confused as well. I was advised to submit additional receipts that were not accounted for online, but they have not been acknowledged. It is concerning that I am being told any payment that has been intercepted reflects on my online account payment history, but I have in fact given proof that they have not been accounted for. I believe that this is discover student loans fault, and their consumers should not have to suffer due to their unorganized merge. I have also requested a thorough payment history breakdown from the beginning of the loan history, disbursements, and payments made. I was told one would be given to me, and I have still not received it. It has been well over a month now. I would also like to note that I spoke to someone named XXXX ( I still have the letter he sent me ), and once I proved that the payments I made were in fact not reflected on my account, he said he would transfer me to someone else and instead disconnected. When I called him back, he did not answer. When I left a message, he did not return the call nor did he advise a rep to follow through with a solution. I will be sending subsequent emails to any and every party associated with discover until this has been addressed and taken care of. Or I will ask that Discover be investigated for embezzlement. Please advise. The e-mail associated with the account is : XXXX XXXX
03/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IN
  • 46360
Web
Dear CFPB, This is now my second complaint against Discover Card Services as your organization failed to fix the issue in my first complaint. Since complaining about this, Discover is now lashing out and participating in discriminatory and illegal practices by falsely stating to Credit Reporting agencies that I am passed due when that is far from the truth. I paid on XXXX XXXX and Discover decided to charge my card without permission on XXXX 2 days later once again for USD XXXX. However, reported to Credit Reporting agencies that I was delinquent and past due on XXXX This is extremely infuriating and ILLEGAL. This dropped my credit score from a XXXX to a XXXX. Secondly, to follow-up on my first complaint, it was never resolved. Discover is illegally charging me for services I did not receive in the amount of USD XXXX. This is what this whole dispute is about they are using illegal abusive practices trying to force me into paying for services that I never received and are now falsely reporting my account as delinquent attempting to have me pay for services that I did not receive. This is a scandal. I have wrote to many government agencies about this, and all involved in this corruption will be revealed. Discover also admitted knowing that the merchant is participating in fraud but there is nothing they can do. So let me clearly write and spell this out, the United States of America, allows a foreign entity/merchant XXXX XXXX to lie to a U.S. federally insured institution about a U.S. consumer and faces no repercussions? Why is the CFPB refusing to investigate this issue? Why is it also not having the FTC and FDIC etc. investigating as well? The fact that the CFPB is aware from my first complaint and still allows Discover to operate, not fine it or investigate it is absolute insanity. This shows the CFPB 's failure, ineptitude and negligence as an organization. This needs to be resolved ASAP and I would like an actual call from the CFPB not a generic automation email. I am sure I am not the only consumer affected by Discover 's illegal predatory practices.
10/24/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 33312
Web
I requested Discover to cease communication of a billing error of nonmailable matter per 39 USC 3001 ( d ) 39 USC 3005 ( a ) ( 3 ) and regarding the sharing of my information with third parties per 15 U.S.C. 1692c ( b ) in accordance to my right of privacy and confidentiality. Discover closed my card account alleging that they received a cease communication notice by me, the consumer, and took it upon themselves to take adverse action to close my account without my consent in violation of Title 15 USC 1692c ( c ) without notifying consumer. The good faith right to Cease communication does not include closing account without consent of the consumer and further appears to be a deliberate violation of 12 CFR 1026.13 ( d ) ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not restrict or " close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. Discover has not complied with alleged cease communication notice and continues to report consumer credit transactions without my consent to third parties and appears to continue sending nonmailable matter as mail fraud ( see attached USPS mail receipt ). Discover has refused to reinstate account and continues to harass me indirectly via consumer reporting agencies despite their fraudulent act. There is not one law that states a credit or insurance transaction are required to be reported without consumer consent as expressed by congressional findings 15 U.S.C. 1681 ( a ) ( 2 ) An elaborate mechanism has been developed, ( 3 ) Consumer reporting agencies have assumed a vital role. Discover has deprived me of my right to credit illegally without 15 U.S. Code 44 documentary evidence and verification ( sworn statement ) as Constitution for United States of America 4th amendment compliance for seizure for property. I authorize Discover and The Bureau to proceed with this complaint.
02/01/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CO
  • 80229
Web
Discover Credit Card Company has been charging me a " Discover Payment Protection '' fee service in which I never authorized for or was aware of. I did call them and they cancelled it moving forward and I disputed the previous charges, in which they said they can only refund the past 6 months as a " courtesy '' and " do their best to make me aware '' of the service. I am not really sure what that means since I didn't know it existed and don't have any communication of it. I feel like I was robbed as I would never authorize to pay such an amount every month without opting for it, and I am not even sure how it was included or what the service actually is. Here are the itemized amounts I paid and did not authorize since XXXX.This does not include the additional interest on the balance that I certainly would have been charged as well. Grand Total - {$2400.00} XX/XX/XXXX - {$77.00} XX/XX/XXXX - {$77.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$78.00} XX/XX/XXXX - {$80.00} XX/XX/XXXX - {$78.00} XX/XX/XXXX - {$77.00} XX/XX/XXXX - {$74.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$73.00} XX/XX/XXXX - {$70.00} XX/XX/XXXX - {$70.00} XX/XX/XXXX - {$69.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$63.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$63.00} XX/XX/XXXX - {$59.00} XX/XX/XXXX - {$52.00} XX/XX/XXXX - {$52.00} XX/XX/XXXX - {$52.00} XX/XX/XXXX - {$51.00} XX/XX/XXXX - {$51.00} XX/XX/XXXX - {$42.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$32.00} XX/XX/XXXX - {$29.00} XX/XX/XXXX - {$29.00} XX/XX/XXXX - {$21.00} XX/XX/XXXX - {$28.00} XXXX XXXX {$28.00} XX/XX/XXXX - {$20.00} XX/XX/XXXX - {$14.00} XX/XX/XXXX - {$11.00} XX/XX/XXXX - {$12.00} XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$1.00} XXXX XXXX {$1.00} XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$2.00} I have been loyal and been making my regular payments since XXXX when I became a customer. It makes me sad that this has been done to me. Thank you.
06/12/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • WI
  • 53029
Web
I have a Discover credit card. It has been delinquent and I received several voicemails asking me to call or to go online and make payment arrangements on or before end of XXXX , XXXX or the account would be charged off. I made a payment plan arrangement online before the deadline. When I went online the week pf XXXX XXXX to check on status, I was unable to login as my account was in " special status '' and I was instructed to call XXXX , which I did. After a run around, I was told my account had been transferred to another division of Discover and told to contact them at XXXX , but also told they were closed at XXXX cst ( it was XXXX cst when I first called Discover ) . Meanwhile, my father had received a call from a debt collector at XXXX cst today - we presume a debt collector as they did n't identify themselves, but a reverse phone check of the number ( XXXX ) revealed them to be a firm called XXXX XXXX - a firm neither my father or I had ever heard of before. I mentioned this name and number to the Discover rep and they were n't aware of the cos or if the management of my account has been transferred from Discover to XXXX . I submitted a complaint to the CFPB ( complaint # XXXX ) and requested a cease and desist all calls to me or to my father by XXXX XXXX or any authorized agent of Discover UNTIL I get a satisfactory resolution as to the following : 1 ) status of account ; 2 ) access to my account online ; 3 ) explanation why my account was charged off when I had set up an agreed upon payment plan online as requested numerous times by Discover. I received a response from XXXX , but never from Discover Card. Today XXXX XXXX , XXXX , I received in the mail a notice from XXXX XXXX XXXX that they are representing Discover Card and indicated in that letter that I had requested no further communication from Discover Card. As indicated in my complaint XXXX , I requested no communication until 3 resolutions were satisfied. Obviously, Discover Card misinterpreted my instructions.
10/29/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • PA
  • 17044
Web
On XX/XX/XXXX I just received the report sent to us by Discover about their findings which are completely irrelevant from my previous complaint. It broke down everything from the payments we made to the disputes/fraud charges with XXXX. We made payments during the fraud/dispute charges because we had previous purchases that we had made on our discover card that we were trying to pay off. That is the only reason we made those payments. We did not discover the XXXX charges until we received our bill in XXXX in which we called discover and my husband called XXXX about this. When XXXX would not call us back that was when we kept calling discover. We did billing disputes first because we were not sure what to do since this had never happened before. We were then told by the billing department that we needed to do fraud charges. I added my husband as a user in order for him to bring his credit score up for when we build a house. His credit card through XXXX XXXX was also hacked and his account through them is currently closed because of this. I have new findings that show there was XXXX deposited and XXXX withdrawn. I wish we had this money, but obviously we don't because we did not do this. If we did obviously this would be paid off and wouldn't be an issue. It also shows a credit card listed on his XXXX account ending in XXXX. We do not own a card ending in these 4 numbers. My guess as to what happened is whoever hacked my husband 's account withdrew the winnings to his XXXX XXXX account then to the credit card ending in XXXX. This shows that this was fraud. I am going to upload the new finding documentation below. I am not paying this amount of XXXX that us currently on my discover card because they are fraud charges. When my husband first opened his XXXX account he did sports betting only and hasn't done that since XXXX. He did upload his winnings then to his XXXX XXXX account ending in XXXX. He has not used his account since XXXX and since all of this has happened he has closed his XXXX account-to where he can't do anything, and his XXXX XXXX account.
07/31/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33312
Web
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. DISCOVER FIN SVCS LLC XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1500.00} REV {$2300.00} - {$2300.00} XXXX XXXX XXXX XXXX CHARGE OFF XP/TU/EF Late Dates : XX/XX/XXXX-150+, XX/XX/XXXX-150+, XX/XX/XXXX-120, XX/XX/XXXX-90, XX/XX/XXXX-60, XX/XX/XXXX-30 ACCOUNT INFORMATION DISPUTED BY CONSUMER The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
06/29/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 32955
Web Older American
In XXXX I purchased 2 lamps I chose for XXXX 3days later the shop owner called and said he did not have what I pick but he would pick for me bigger and more beautiful lamps his words not mine I said no just reverse my charge he said no as soon as I got back from my 10 day trip I called Discover they said until the charge came in they would take care of it. They did reverse but 2weeks later they reversed there reversal and said he proved he shipped them The wrong lamps did show up but they were not what I order so I called Discover to let them they know the wrong ones had arrived Discover told me to send them back with proof of delivery I did. They reversed the charges again but a week later they reversed them a gain and I had to remain all the paper work and a copy of his text stating he switch the lamps to some they he did have I not only mailed the paperwork but also went to XXXX XXXX and faxed them at the end of XXXX they said all was good and not to worry I closed on my new condo XX/XX/XXXX so I did not keep my papers now Discover charged my account almost 6months later and said he had a no return policy this is not a return he switched product on me and admitted it but Discover does not care. I have talked to many people at discover and on the phone they agree with me but say there manager made the decision to believe the shop owner on no returned so now I have paid the charge have no lamps because Discover told me to mail back the wrong lamps I have nothing for my XXXX dollars but the shop owner has the money and I have paid Discover so I do not ruin my credit. I was so mad I told them to canceled my card and they told me my husband was the card holder not me I said I did not know that my name was on the card My husband of XXXX years passed away last XX/XX/. I tried to pay on line but had to call and pay in person with my routing number now this afternoon I found out Discover open an account in my name with a balance of XXXX please help stop this this is not fair if you what more information please call they admitted they have all the paperwork
08/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11217
Web
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. XXXX : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 9. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 12. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. XXXX : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX. Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 10. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
03/19/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30338
Web
I was tricked by Fake News put on the internet by a " merchant '' /Criminal using pictures of President Obama and Mrs. Obama and indicating their approval of the products of the company. Then it offered to ship samples at minimal costs ( @ {$4.00} and {$5.00} ) to lure consumer to give Credit card information. Soon after the initial samples, the " merchant '' /Criminal started repeated billings of the products at much higher prices ( @ {$89.00} and {$85.00} ) -- not even shipping thee products. The first round of billings of High Prices were made XX/XX/XXXX. The second round of billing at High Prices were madeXX/XX/XXXX ( @ {$91.00} ). I protested to Discover as soon as I received the first round of unauthorized billings at High Prices and pointed out it was a fraud perpetrated on consumer. Discover initially reversed the charges. However, After the " merchant '' /Criminal made the second round of unauthorized billing, they submitted some kind of " documents '' and proof of shipping of the third billing, Discover went along with the " merchant '' /Criminal and reinstated the reversed charge to my account. That happened to my closed account ending XXXX which carried over to my new account ending XXXX. Discover made another mistake charging my new account ending XXXX for that particular billing of {$90.00} again, Making me owe the same amount twice! In my repeated protests made to Discover, not only that I explained the nature of the consumer fraud but repeatedly urge them to cooperate with the authorities to investigate the Criminal enterprise but to no avail. Now Discover is threatening to report to Credit agencies for my non-payment of the Double charges of the one Unauthorized billing on my account. The issues here are the Consumer Fraud perpetrated by the " merchant '' /Criminal and the mistake of double charges for the same item ( once on the old account which was carried over to the new account and again charged the same to the new account ). Again, I wish this case of Fraud to be referred to an authority for investigation and prosecution.
04/03/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 117XX
Web
I opened a fraud investigation with Discover in XXXX after noticing fraudulent XXXX and XXXX XXXX charges on my account. I am unable to provide exact dates due to the account being closed, only discover can access that at this point. I am also unable to provide exact amounts because it is multiple charges over a year and a half and I also do not have access to them any longer. Unfortunately I didn't realize them, but despite Discover 's " {$0.00} Fraud Liability Guarantee '' they denied my dispute after their 90 day investigation and charged me interest on the amount that wasn't even on my account during those 90 days. They did this despite insurmountable evidence that these charges were not made by me - most notably that I do not even have an XXXX XXXX account and the XXXX account I do have I had not even used for three months ( since XX/XX/XXXX XXXX and my payment method is through XXXX and connected to my XXXX XXXX XXXX debit card. I notified them immediately upon noticing the fraudulent charges but I was told, after them putting the thousands of dollars back on my card in XX/XX/XXXX, that they denied it because they felt that I should have been aware sooner, and that I had seen the XXXX charges ( not making the connection that my XXXX account and XXXX was on my XXXX debit not my discover credit line ) which allowed for it to go on for another month longer before I made the connection, in which I had paid my discover bill during that time so that makes me guilty?. It is embarrassing enough having not realized I was being taken advantage of and been stolen from for this long but to have my credit card company that has a {$0.00} Fraud Liability Guarantee tell me that I am the one to blame and I have to pay for this thieves rides and dinners is extremely disheartening and the reason me and my entire family will be closing our discover accounts and never using them again. They should not be advertising and gaining business on a {$0.00} Fraud Liability Guarantee if they are going to deny fraud claims that are clearly fraud and high amounts of it.
10/22/2016 Yes
  • Credit card
  • APR or interest rate
  • TX
  • 76063
Web
I had a credit line of {$18000.00} on my Discover card. I had a balance of about {$10000.00} that I was making payments monthly on. In XXXX of 2014 my daughter was admitted into the hospital with a very rare XXXX that almost took her life away. We spent 28 days at the hospital where we used the card to take care of our expenses while we spent those days together in pain and suffering at the hospital. Somehow Discover allowed us to go past the maximum spending limit to a total of {$28000.00}. They never stopped the card from charging and let me go far over my limit. Naturally, I was going through very desperate times and had no choice. We 've been paying above the minimum payment every month an average of {$500.00} with a lot of sacrifice. I 've had this account for the past 20 years and I 've never missed a payment until now. I used to like Discover, they always did a good job for me and me for them. However, Discover not only increased my interest rate to usurious amount on the new high balance which I had full intention of paying but they also increased my minimum payment to {$750.00} a month making the payment no longer possible for me to pay. I called the company and spoke with so many representatives which did nothing more than to transfer me around to people who acted like they were managers. Ultimately nothing was done to help me reduce the interest or the minimum payment. My daughter remains ill today XXXX and has never been able to return to school. I am an everyday American with middle class income that has been taken advantage of by the predatory practices of a big bank. What 's worse ; is all along I thought I was a valued customer with a good credit card relationship. My daughter 's medical expenses are very costly and have to come first. Clearly the new interest rate coupled with the new minimum payment Discover will be driving me to bankruptcy and delinquency with no concern or humanity. I cringe knowing that these atrocities continue to happen to American people by predatory lending practices engineered by these filthy rich banks.
03/19/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 334XX
Web
I recently received a copy of my ( XXXX, XXXX and XXXX ) consumer report, and I noticed some late payments posted on my consumer report : Discover XXXX XXXX Proof enclosed that my late payment was refunded and it is your companies mistake please delete I talked to a consumer service receptive by the name of XXXX who assured me that this error would be corrected and removed from my credit over 60 days ago and it has not been done. Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is not INCLUEDED on my Consumer report! A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s Discover # XXXX Proof enclosed that my late payment was refunded and it is your companies mistake please delete Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
08/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • WI
  • 546XX
Web Servicemember
XXXX has failed to complete the investigation with fdcpa regulations, there are currently disputed accounts still actively showing on my credit report, furthermore, the disputed accounts have been investigated longer than 30 days, no letter has been generated, none of the disputed account creditors have proffered up proof positive of any Information binding XXXX XXXX XXXX to the alleged debt, there are no signatures only personal information that was submitted electronically, additionally there was a police report given in XXXX regarding fraud. And the credit report was locked, since then I have disputed these alleged debts, the alleged creditors have been directly notified of the disputes, initially the disputes were put in XX/XX/XXXX, 30 days ended XX/XX/XXXX, those disputed items still remain on XXXX XXXX XXXX credit report even after being disputed. XXXX has failed to comply with fdcpa, the alleged creditors have failed to provide any corresponding documentation that would constitute ownership of any debt by XXXX XXXX XXXX, XXXX continues to ignore the law. In addition XXXX was sent identifying information about my current address ( XXXX XXXX XXXX XXXX, XXXX WI, XXXX ) my full name as stated on my driver 's license and birth certificate ( XXXX XXXX XXXX ) yet XXXX continues to place incorrect information on my credit file, they updated my address to the home of my brother in Oregon, wisconsin, and have an address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ), where I done reside nor ever resided my eldest sibling lives there and has lived there for over 15 years, XXXX continues to fraudulently place items in my report and disregard the documents provided to validate my claims. I would like for them to be sanctioned for constantly and consistent misappropriation of my true Information. I have provided all legal documents to substantiate all of my claims, nobody is holding experian accountable for falsely representing my credit profile, it has caused financial hardship, and monetary loss. I view, based on my perception, it to be deliberate in nature.
02/11/2017 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • MA
  • 015XX
Web
This company which employees some of the worst people in the state of Massachusetts is breaking the law daily. There employees hide behind fake names and the owner hides under his desk and is never available. They scam, lie, commit fraud and use the courts as a game without properly notifying people in order to obtain default judgements. I 've been in contact with the States Attorney General 's office about this company and they are aware of the activities of this company. This occurred to me unfortunately due to a divorce. I had a discover card at one time many years ago. The Discover company and I negotiated a debt cancellation many years ago and settled the amount of the debt for {$1100.00} which was taken care of and I received a XXXX form from them. This XXXX " collection agency '' somehow has this old debt from an equally bad company called ( XXXX ) pronounced ( XXXX ). This isn '' t a joke the other collection agency they represent is called CASH. They have been harassing me for years and obtaining judgements without my knowledge and now its for XXXX Extremely laughable and criminal.. I 've also filed for bankruptcy as well which makes this even worse for the XXXX " collection agency ''. In the meantime they have harassed my work and are now looking to garnish my wages which will never, ever happen! I am XXXX and this has threatened my employment and standing in the XXXX. Since they have been playing games with the same XXXX. If this company thinks they can steal my money they are in for a rude awakening. I have no money and what I make does n't even feed my family. I could n't spare {$1.00} and the court would easily see this and is the reason for the bankruptcy filing to begin with.. My income to living expense ration is negative. I will be pursuing a law suit against this company unless this civil lawsuit is dismissed and vacated immediately. If I should lose my employment due to this companies and XXXX actions, a lawsuit will be forthcoming which will be huge. A copy of this complaint is being sent to my Attorney XXXX XXXX in XXXX, MA.
02/12/2023 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 78640
Web
Hi, We believe Discover discriminated my refinance cash out application due to me being under Deferred Action for XXXX XXXX. We received an offer for a refinance my home and take out a sum of money at a lower interest with out any closing costs. This was letter I received from Discover my credit card company. I got in contact with them using the number in the letter and proceeded to refinance my home. I received the first communication from Discover on XX/XX/2022. They told us to send our government issued ID 's along with other documents to determine our eligibility. The agent representing Discover was XXXX XXXX XXXX XXXX ID XXXX. We provided all the documents listed in their communication and by XX/XX/2022 we received our Revised XXXX XXXX. Loan amount was {$300000.00}. ( XXXX cash out ) Interest Rate 3.49 % Monthly principal and Interest payment of {$1300.00} This was a 30 year traditional loan with an estimate escrow of XXXX for an estimate total payment of $ XXXXmo The closing costs were covered by Discover according to their offer in the mail and their marketing special at the time. Only initial escrow payment was to be paid at closing. After all the financial and eligibility information was provided to move along. They took months to get the loan approved. They would place new documents required to and hassles and obstacles that we would never be informed of. It would not be until be logged into the site that we would find out about documents we were promised we will be informed via email or phone call. It was not until XX/XX/2022 that we received a loan decision. A loan decision was made yet the communication was blank. No reason was provided and at this point we called to get some one to help. They informed us at that time that my eligibility was in question and because I am XXXX our loan was denied. This was not explained in their mail letter nor the disclosure documents on the site. By this time Interest rates were no longer the ones in XX/XX/2022 and they deprived us of a great opportunity. To me this was done in discrimination.
12/06/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • MA
  • 02130
Web
On XX/XX/2023, I opened two accounts, the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX, with XXXX through their website. I followed the instructions and proceeded to transfer the initial deposits into the accounts. Using my Discover account detailsspecifically the routing number and account numberI made two distinct transactions : a {$25.00} deposit into the XXXX XXXX XXXX and a {$25000.00} deposit into the XXXXXXXX XXXX XXXX XXXX XXXX through the XXXX website. However, on XX/XX/2023, I received notifications from XXXX stating they encountered difficulties funding my newly opened accounts and decided to refund. However, I only received the {$25.00} deposit reflected in my Discover account. The {$25000.00} intended for the XXXX XXXX XXXX XXXXXXXX XXXX did not appear. Despite numerous attempts to resolve this issue by contacting XXXX, I have not received a satisfactory resolution. After submitting a complaint in CFPB to XXXX, I finally received their response on XX/XX/2023. XXXX informed me that their vendor, XXXX, holds the funds, and they advised that Discover 's ACH department should request a debit return. In response to XXXXXXXX XXXX guidance, I promptly contacted Discover and provided all the necessary information by phone. However, to my dismay, I received a letter from Discover on XX/XX/2023, stating that my dispute was closed. After immediately reaching out to Discover again, they reopened the dispute, assuring me of a credit return by XX/XX/2023. To enhance Discover 's investigation, I submitted both XXXXXXXX XXXX response letter and XXXX XXXX email. As of today, XX/XX/2023, I have not received any feedback or a credit back from Discover, and my attempts to seek clarification from the Discover dispute team have been unsuccessful. This financial situation has made my life a mess as I need to use the {$25000.00} to pay my rent and groceries. Therefore, I seek the CFPB 's assistance in facilitating a resolution to retrieve the missing {$25000.00}, along with any accrued interests, which have been outstanding for over two months.
12/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • FL
  • 32503
Web Servicemember
Greetings, Mine must be an unusual complaint of clerical human error, yet evidently, I need your assistance and authority to command a solution. I habitually check Discover Card 's XXXX score when paying my bill on their mobile app. In XXXX, I saw a XXXX pt drop in score. The issue was an inexplicable change in " Reported Credit History '' - from 17 years in XXXX, to the XXXX report, stating a mere 3 year history. ( screenshots attached ) Discover states the info came from XXXX XXXX, but my credit report from XXXX shows my XXXXXXXX XXXX account was opened in XXXX. ( Screenshot attached ). Discover was made aware in XXXX & in XXXX, during many calls. On XX/XX/XXXX, XXXX XXXX ( supervisor ) was still awaiting word from superiors. To check, I recently signed in to the XXXX app, which also showed a shortened credit history, even though the credit report XXXX mailed to me also showed the XXXX XXXX. opened in XXXX. XXXX gave an Escalation # XXXX on XX/XX/XXXX. Discover & partners reflect XXXX XXXX calculated @ XXXX. My XXXX XXXX & their XXXX app, both reflecting a XXXX yr history, show a score of XXXX Excellent. Quite a discrepancy! Neither Discover, XXXX, or XXXX claims responsibility, nor the ability to correct their records on this odd occurrence. I have attached photographic screenshot evidence to prove my standing in these unresolved formal disputes. ... I cant help but suppose the actions of XXXX or other reporting agencies may use this ruse to promote their marketing attempt to push their ( paid ) subscriptions to their " XXXX XXXX '' programs. Meanwhile, time is of the essence, as I need to arrange financing for the Reverse Mortgage of my deceased father. Also, I recently applied for XXXX XXXX 's XXXX XXXX XXXX, and was approved at an a very high interest rate. XXXX reportedly use XXXX for credit checks. Resolution : I plea to have the accurate Length of Credit History corrected on my file @ Discover Card ( et al. ), XXXX XXXX, My XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and especially the XXXX XXXX, including their mobile app.
08/22/2017 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Didn't receive terms that were advertised
  • DE
  • 197XX
Web
I received a solicitation to open a new account at Discoverbank. The solicitation was offered as a result of my family 's ties to the XXXX XXXX XXXX XXXX XXXX ) It 's my recollection that I received the offer in early/mid XXXX to open an account. I submitted the application in mid/late XXXX. In return for opening the account and meeting three criteria, Discoverbank promised to deposit a {$50.00} " bonus ''. The three criteria were : ( 1 ) insert offer code = XXXX on the initial application, ( 2 ) make a deposit of {$500.00} or more and ( 3 ) keep account open and in good standing for 60 days. I confirmed with Discoverbank representatives on several calls that the conditions were met, including a call that occurred on X/X/17 ( date > 60 days since initial application completed ). The representatives were professional. However, over a series of calls, representatives tried to appease me by saying the {$50.00} bonus would likely be received at any time - but they didnt know. It was just a guess on their part. On XX/XX/XXXX, the representative submitted a " dispute '' on my behalf, which I assumed initiatied a series of processes which would cause some " backoffice '' personnel to research the reason my {$50.00} wasnt deposited. Despite 3-4 calls over the next 3 weeks, including a final call on XX/XX/XXXX, no bonus has been deposited. I selected the final call to be XX/XX/XXXX since Discover committed to completing their research within three weeks of the initial dispute n XX/XX/XXXX. In summary, I 've come to realize that the promise to deposit {$50.00} may not actually happen. The representatives promise to call me back but their failure to do so indicates to me that they dont have answers and dont want to ( or ca n't explain ) why the {$50.00} has not been deposited. I have deceived. The offer succeeded in getting me to open an account but did not deliver on its promises to submit the bonus payment. I do not feel like I have any recourse to get my money since I 've invested several attempts to resolve the situation ... ... and I failed to do so.
03/08/2016 Yes
  • Credit card
  • Billing disputes
  • OH
  • 43214
Web
My problem is in two parts, both relating to how the credit card company has changed the application payments to my balance and interest charges. First, I recently made a payment in excess of the minimum. According to the Credit Card Act of XX/XX/XXXX this should have been applied first to the highest APR balance and then to the next highest APR until the extra money was gone, instead this extra money was divided between the different APR balances. This meant that money was left on the highest APR balance, even though the starting balance at this APR was {$0.00} and I made an extra payment of {$20.00}. When I requested an explanation of why the CARD Act was not applied they simple gave me a list of all the interest charges on my account and no reason for how they choose to apply this extra money above the minimum payment. My second problem is in part a question and in part a complaint. Beginning with my XXXX XXXX statement I noticed that the credit card company had begun applying the minimum payment in its entirety to the lowest APR balance without using part of the money to pay the growing interest of the higher APR balances. This has resulted in the balances at the higher APRs in fact growing, even though I have not used the card during this time. The overall balance is decreasing but the balances at the highest APRs, and therefore their interest charges each month are getting larger.Is this legal? I know that payments over the minimum are supposed to go to the highest APR balance but I could not find an answer about whether the card company is required to use the minimum payment toward all interest charges that have been accrued during a statement period. When I requested an explanation from the credit card company about this change in how the minimum payment was applied they ignored the questions of legality and the change in policy, instead telling me to make a payment over the minimum if I wanted it to be charged to the highest APR balance. However, as I have previously explained, when I tried this the money was not applied as expected.
02/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • MI
  • 482XX
Web
Good day! I am writing concerning my experience with Discover that is both a grateful thank-you and a pressing request concerning a trade-line in my credit files that I would like to have revised. I received my Discover Card in early 2021 and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, since then my life took an unfortunate turn. I lost my uncle, aunt, and brother to the horrid XXXXXXXX XXXX. This led me to fall into debt, and having to sell nearly everything of value that I owned. I was left in a very unfavorable position financially. Not only do I take care of my mom and younger brother, but I have had to make many sacrifices over the last two years in attempts to create a better financial situation ; I was forced to forfeit my school tuition because it was no longer within my abilities to afford. Concessions had to be made and regretfully, this led to late payments on my Discover secured credit card. The loss of income was a brutal wake-up call for me, and I now am attempting to make steady efforts step by step to hopefully avoid bankruptcy. I have gained two sources of income, as well as financial management skills to assure that I will never be late on a payment again. I am hoping to soon begin the process of purchasing my first vehicle, and it has come to my attention that the late notations from Discover may prevent me from taking full advantage of the best rate available. I am requesting that you grant me a second chance at a positive credit rating by allowing me to be relieved of all late notices under financial hardship ; and hopefully we can work out a payment plan to finish the remainder of the balance on the account. I sincerely hope that there is redemption at Discover, as I hope to remain a card member, I plead for such consideration. If any additional documentation would assist in reaching a positive outcome, please feel free to contact me. I thank you for the time you have spent reading this correspondence. Very hopefully yours, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX
07/16/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • PA
  • 193XX
Web
The Discover card was opened in XXXX. Around XXXX of XXXX, I took a cash advance of {$100.00}. When I made this transaction, I thought a cash advance was considered a transaction like a purchase. While making payments on the credit card balance, I thought the cash advance was being paid with my monthly payments. I didn't realize there is a separate interest charge for cash advances. Over the course of 17 years, none of my payments have gone to pay this cash advance. Apparently, none of the monthly payments made are applied to the advance, until the balance of the purchases is paid in full. This {$100.00} cash advance now shows as a balance of {$8100.00}. All interest charges for the {$100.00}. This account is enrolled in auto withdraw from my bank, and I rarely use the card. When I was declined to make a purchase recently, it caused me to go back and look at my statements. This is where I saw the outstanding balance for the Cash Advance, that I am now over my limit, and my payments are continuing to increase monthly due to the interest. Being over the limit is now being reported to my credit report and my score is being affected. Initially I thought I was a victim of fraud. I reached out to Discover to discuss this issue. This is when I realized that I was not a victim of fraud but was a victim of predatory lending. The {$8000.00} was a result of the {$100.00} cash advance. I was told their records only go back 7 years. The best they said they could do was credit me back 3 months of interest paid on the advances and offered to put me in a payment plan. I do not abuse my credit cards ; I only have a {$910.00} purchase balance on the card. My payments are always made on time. If you look at the last payment made of {$220.00}, {$200.00} went to the cash advance interest, only {$13.00} went towards the interest for the purchases. At this rate, the advance will never be paid off. Each month my minimum payment continues to increase. If they can not document the XXXX cash advance made, how can they continue to charge interest on it?
11/25/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NJ
  • 070XX
Web
Dear Discover Bank, Savings Account Ending in XXXX : I am reaching out because I am at a loss of {$20000.00}. In XXXX XXXX XXXX I had Discover bank initiate a wire recall in the amount of {$22000.00}. It is to my understanding that XXXX bank handles the wire processing and wire recalls. On XX/XX/2023, XXXX XXXX contacted me and stated that the recall was successful and on their end, {$20000.00} was debited from their account with the description " XXXX XXXX XXXX XXXX ''. XXXXXXXX XXXX told me that I need to reach out to XXXXXXXX XXXX and Discover bank directly to retrieve my funds. Since XX/XX/2023, Discover and XXXXXXXX XXXX have both not reached out to me to release my funds. If XXXXXXXX XXXX would've never told me that my funds were returned to Discover, I would never know that this money is being held from me, unlawfully. On XX/XX/2023, I reached out to XXXXXXXX XXXX and expressed to them that XXXX bank stated that XXXX XXXX recalled {$20000.00} and XXXXXXXX XXXX emailed me back stating that they will not speak to me as I am not a client and that I need to have Discover send XXXXXXXX XXXX an authenticated message so they can release my funds. I then called Discover bank and told them this information. After being transferred multiple times over the course of XXXX days without getting any answer, Discover bank refuses to send XXXXXXXX XXXX an authenticated message regarding this wire recall so that XXXXXXXX XXXX can return the funds to Discover bank, which at that point, Discover bank would then return the funds to me. Please be advised that it is XX/XX/2023 and I still do not have this money. The money was supposed to be sent back to Discover bank from XXXXXXXX XXXX or a check was supposed to be sent to me and neither has happened. I am taking this matter extremely serious, I have partnered up with an attorney, and I am very close to bringing this matter to XXXX XXXX and filing a lawsuit. I need someone in upper management at Discover bank to reach back out to me extremely soon before I start court proceedings. XXXX XXXX XXXX
05/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • CA
  • 91941
Web
On XX/XX/XXXX when making a payment online I noticed my available credit balance was {$0.00} though my credit limit is {$3200.00} and my balance was {$1100.00}. I started an online chat to find out what was going on and found that my account had been closed on XXXX. I did not receive a letter as to why. I was then transferred to a specialist who informed me my account was closed due to Discover not being able to verify my personal information. I then was asked to call XXXX to get additional information. I was told I was sent 2 emails and they had called me in XXXX to verify my personal information though I did not receive any communication so was unaware of said request. In the meanwhile, I'm making payments well above the minimum payment and there has been no issues or reach outs to me for anything. XXXX {$3.00} Online Cashback BonusRedemption Payment XXXX {$500.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ending XXXX XXXX {$1500.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ending XXXX XXXX {$21.00} Online Cashback BonusRedemption Payment XXXX {$170.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ending XXXX XXXX {$250.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ending XXXX XXXX {$62.00} Automatic Payments XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ending XXXX XXXX {$360.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ending XXXX XXXX {$48.00} Online Cashback BonusRedemption Payment XXXX {$1.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ending XXXX I have been a customer since XXXX and do not believe permanently closing my account is warranted when I did not receive any communication on needing to verify my personal information in XXXX, did not receive a letter that my account was closed in XXXX and clearly from the payments I have made above I am fulfilling my obligation and then some in order to have my account in good standing. In fact, as wrong as this is I just paid my balance in full. I am a real person and if something was needed from me I should have been contacted. Thank you for reviewing this situation. XXXX XXXX XXXX
02/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • MI
  • 482XX
Web
Good day! I am writing concerning my experience with Discover that is both a grateful thank-you and a pressing request concerning a trade-line in my credit files that I would like to have revised. I received my Discover Card in early 2021 and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, since then my life took an unfortunate turn. I lost my uncle, aunt, and brother to the horrid XXXX virus. This led me to fall into debt, and having to sell nearly everything of value that I owned. I was left in a very unfavorable position financially. Not only do I take care of my mom and younger brother, but I have had to make many sacrifices over the last two years in attempts to create a better financial situation ; I was forced to forfeit my school tuition because it was no longer within my abilities to afford. Concessions had to be made and regretfully, this led to late payments on my Discover secured credit card. The loss of income was a brutal wake-up call for me, and I now am attempting to make steady efforts step by step to hopefully avoid bankruptcy. I have gained two sources of income, as well as financial management skills to assure that I will never be late on a payment again. I am hoping to soon begin the process of purchasing my first vehicle, and it has come to my attention that the late notations from Discover may prevent me from taking full advantage of the best rate available. I am requesting that you grant me a second chance at a positive credit rating by allowing me to be relieved of all late notices under financial hardship ; and hopefully we can work out a payment plan to finish the remainder of the balance on the account. I sincerely hope that there is redemption at Discover, as I hope to remain a card member, I plead for such consideration. If any additional documentation would assist in reaching a positive outcome, please feel free to contact me. I thank you for the time you have spent reading this correspondence. Very hopefully yours, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX
12/17/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Don't agree with fees charged
  • SD
  • 57105
Web
I noticed that my private student loans currently being serviced by Discover Student Loans have been charged late fees in the last XXXX billing periods. My due date is the XXXX of every month, and my payments were received by them on XXXX XXXX and XXXX XXXX. I want to make sure they reverse these fees and remove any delinquencies on their records as well as any delinquencies they may have reported to the credit bureaus. I tried to chat with them, but sat on hold for quite a while with no response. I called them, and an agent said she was transferring me to the " payments screen '', then after several minutes on hold, she came on the line and spoke to me over the hold music asking if i wanted to try back later, I said I 'd like to continue to hold and she hung up on me. Lastly, I tried to send a message through their own internal message system on their website, and it wo n't let me submit it, giving me this error : " Message : Re-enter using letters or numbers as required '', here is the message I was trying to send : " I really hope you can help me, because I just got hung up on while on hold for XXXX of your payment representatives, and I sat on hold on chat for quite a while before giving up. I noticed my minimum payment has been fluctuating over the last XXXX billing periods, so i viewed my statements and saw that I 've been charged late fees on my last XXXX statements. My due date is the XXXX of every month, and my payment history shows my last XXXX payments were received XXXX XXXX and XXXX XXXX, so I 'm not sure how I 'm being assessed late fees. I certainly hope you 're not reporting me past due to the credit bureaus, because I have great credit and have made my payments on or before the due dates. Did n't you guys get in trouble last year for overcharging interest on student loans? Can you try to get this right? Please refund my late fees and correct any delinquencies your records may show, because I was not late. '' I am turning to the CFPB only after exhausting every method that Discover Student Loans offers of contacting them.
04/05/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Don't agree with fees charged
  • NY
  • 130XX
Web
I have previously submitted a report on XXXX XXXX, and now I would like to submit my complaint with Discover. I have XXXX Discover loans, XXXX being 8.8 % interest equaling {$11000.00} ( {$10000.00} originally ) and the other being 7.2 % interest equaling {$19000.00} ( {$18000.00} originally ). The problem with the loan is NOT the amount, rather the fraudulent interest rates I am being charged. Because the interest continues to compound, my payments barely eat into the principal leaving me with a bigger loan than I started. I make every payment on time, however it seems to make little difference if I pay more than what is due. This is ruining my credit report because my debt to income ratio looks horrible, even though I make all my payments on time. What this is effectively doing is keeping me from getting any sort of loan to buy a house, or put a dime back into the economy. It does appear as though this will be the case for a long while unless something is down to lower my interest rates to an acceptable level. Paying $ XXXX- {$1200.00} a month in student loans is not feasible when I am barely cutting into the principal and lowering the loan amount. In every case of my loans, they are now currently bigger than when I first received them even though I am paying this amount of money EACH month. This should not be allowed and is a form of loan sharking. I am not asking for my loans to be forgiven, however I am asking that my interest rates be put at a normal level of almost all other loans in this country at 2 % interest. There is no reason I should be suffering from an fraudulent interest rate ; students should not be punished for seeking a higher education. After calling each of these companies several times, I have found NO help in trying to refinance my loans. The only option I get is to go into forbearance, which would mean a lifetime of debt for me and possibly other family members. Please review my case and understand where I am coming from. I can not express enough how these interest rates undermine my consumer rights.
12/07/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • CA
  • 92604
Web
It has come to my attention that DISCOVER FINANCIAL has denied me of credit. I would like to first put you on notice that I, a NATURAL PERSON, CREDITOR, and APPLICANT am aware that the denial letter given is an ADVERSE ACTION pursuant to 15 USC 1691 ( d ) ( 6 ). As the Original Creditor I initiated the CONSUMER CREDIT TRANSACTION using my credit card pursuant to 15 USC 1602 ( L ) making DISCOVER FINANCIAL an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. This denial letter is identified as a deceptive form pursuant to 15 USC 1692j. I DID NOT benefit from the consumer credit transaction, but I was injured instead. You pulled my XXXX credit file with a hard inquiry which means DISCOVER FINANCIAL benefitted from the transaction. I am the one who extended credit through the credit application. DISCOVER FINANCIAL used my credit information to get paid when I should have benefitted as well. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). No credit card shall be issued except in response to a request or application thereof says Congress pursuant to 15 USC 1642. Pursuant to 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action.Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. DISCOVER FINANCIAL is civilly liable for violations of TILA pursuant to 15 USC 1640. DISCOVER FINANCIAL is civilly liable for violations of ECOA pursuant to 15 USC 1691e. I DEMAND the credit applied for to be approved. I demand my card be mailed to the location information provided.
03/14/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • IL
  • 60827
Web
It has come to my attention that DISCOVER FINANCIAL has denied me of credit. I would like to first put you on notice that I, a NATURAL PERSON, CREDITOR, and APPLICANT am aware that the denial letter given is an ADVERSE ACTION pursuant to 15 USC 1691 ( d ) ( 6 ). As the Original Creditor I initiated the CONSUMER CREDIT TRANSACTION using my credit card pursuant to 15 USC 1602 ( L ) making DISCOVER FINANCIAL an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. This denial letter is identified as a deceptive form pursuant to 15 USC 1692j. I DID NOT benefit from the consumer credit transaction, but I was injured instead. You pulled my XXXX credit file with a hard inquiry which means DISCOVER FINANCIAL benefitted from the transaction. I am the one who extended credit through the credit application. DISCOVER FINANCIAL used my credit information to get paid when I should have benefitted as well. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). No credit card shall be issued except in response to a request or application thereof says Congress pursuant to 15 USC 1642. Pursuant to 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action.Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. DISCOVER FINANCIAL is civilly liable for violations of TILA pursuant to 15 USC 1640. DISCOVER FINANCIAL is civilly liable for violations of ECOA pursuant to 15 USC 1691e. I DEMAND the credit applied for to be approved. I demand my card be mailed to the location information provided.
03/14/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • IL
  • 60827
Web
It has come to my attention that DISCOVER FINANCIAL has denied me of credit. I would like to first put you on notice that I, a NATURAL PERSON, CREDITOR, and APPLICANT am aware that the denial letter given is an ADVERSE ACTION pursuant to 15 USC 1691 ( d ) ( 6 ). As the Original Creditor I initiated the CONSUMER CREDIT TRANSACTION using my credit card pursuant to 15 USC 1602 ( L ) making DISCOVER FINANCIAL an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. This denial letter is identified as a deceptive form pursuant to 15 USC 1692j. I DID NOT benefit from the consumer credit transaction, but I was injured instead. You pulled my XXXX credit file with a hard inquiry which means DISCOVER FINANCIAL benefitted from the transaction. I am the one who extended credit through the credit application. DISCOVER FINANCIAL used my credit information to get paid when I should have benefitted as well. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). No credit card shall be issued except in response to a request or application thereof says Congress pursuant to 15 USC 1642. Pursuant to 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action.Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. DISCOVER FINANCIAL is civilly liable for violations of TILA pursuant to 15 USC 1640. DISCOVER FINANCIAL is civilly liable for violations of ECOA pursuant to 15 USC 1691e. I DEMAND the credit applied for to be approved. I demand my card be mailed to the location information provided.
03/14/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • IL
  • 60827
Web
It has come to my attention that DISCOVER FINANCIAL has denied me of credit. I would like to first put you on notice that I, a NATURAL PERSON, CREDITOR, and APPLICANT am aware that the denial letter given is an ADVERSE ACTION pursuant to 15 USC 1691 ( d ) ( 6 ). As the Original Creditor I initiated the CONSUMER CREDIT TRANSACTION using my credit card pursuant to 15 USC 1602 ( L ) making DISCOVER FINANCIAL an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. This denial letter is identified as a deceptive form pursuant to 15 USC 1692j. I DID NOT benefit from the consumer credit transaction, but I was injured instead. You pulled my XXXX credit file with a hard inquiry which means DISCOVER FINANCIAL benefitted from the transaction. I am the one who extended credit through the credit application. DISCOVER FINANCIAL used my credit information to get paid when I should have benefitted as well. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). No credit card shall be issued except in response to a request or application thereof says Congress pursuant to 15 USC 1642. Pursuant to 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action.Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. DISCOVER FINANCIAL is civilly liable for violations of TILA pursuant to 15 USC 1640. DISCOVER FINANCIAL is civilly liable for violations of ECOA pursuant to 15 USC 1691e. I DEMAND the credit applied for to be approved. I demand my card be mailed to the location information provided.
01/02/2016 Yes
  • Credit card
  • Billing disputes
  • FL
  • 33625
Web
I lost my job last XXXX so I was unable to make payments on my Discover card. Several months later I was working a temporary job and Discover contacted me. I made several {$120.00} a month payments so my account would not go to collections. I was told after my 3 months of payments that I would go back to a once a month minimum payment. They told me that I would need to set it up on my own online. I asked are you sure you just ca n't take it out now and they said no we can not do that you have to go online and set it up yourself. Well on the XXXX month like clockwork I notice of withdrawal from my checking account of {$75.00} that I did not authorize through Discover. I quickly called Discover and explain to them that they should have not happen at this is their fault and they told me otherwise. They told me that it does come out of your account without you setting it up automatically which was the opposite of what I was told. I explained to her that I just wrote a check for rent which is all the money I have in my bank account and now that 's going to overdraft. She felt very bad and called my bank and told them if they could stop it but they could not as I could not bounce my rent check or I would be charged {$300.00} in late fees by my landlord. I was also told that of my account with overdraft that they would take care of it. What they did was they added {$55.00} to my Discover account but because I 'm overdue my limit I ca n't do anything with that money because I 'm overdue on my card. Every time I call them to ask for help they can not help me they say that they added money to my account which I need this money to get to and from work for gas and they do n't seem to care. I honestly do n't know what to do because every time I call they act like I 'm a criminal. All I tried to do was a good person and pay back my credit and I feel like I just got XXXX over. {$75.00} is a lot of money coming for me just described above months to get by to get caught up and they came and put {$34.00} back in my bank account for a mistake that they made.
04/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20774
Web
Dear Discover Bank, I am writing to follow up on my previous letter regarding the inaccuracies in my credit report. As I mentioned in my last communication, according to XXXX, Discover started reporting on my account in XXXX of XXXX, XXXX reports that Discover started reporting on my account in XXXX of XXXX, and XXXX states that Discover started reporting on my account in XXXX. These discrepancies clearly indicate that Discover is not reporting accurately and fairly, as required by the Fair Credit Reporting Act ( FCRA ). I have sent multiple disputes to the credit bureaus regarding this issue, but each time, the response I receive is that the information being reported by Discover is accurate. This is simply unfair, as the information being reported is clearly not accurate, and it is negatively impacting my credit score and financial standing. Under the FCRA, it is the responsibility of both the credit reporting agencies and the financial institution reporting the information to ensure that the information being reported is accurate and up-to-date. This means that Discover has a legal obligation to ensure that the information being reported is correct, and if there are any errors, they must be corrected in a timely manner. I have attached documentation to this letter that demonstrates the inaccuracies in my credit report, including the statement from Discover in XXXX that contradicts the information being reported to the credit bureaus. It is clear from this documentation that Discover has not been reporting accurately and fairly, and this is having a negative impact on my credit score and financial standing. Therefore, I am once again requesting that Discover take the necessary steps to correct this error in my credit report immediately. I expect that you will work with the credit bureaus to ensure that the information being reported is accurate and up-to-date, and that you will take all necessary actions to resolve this issue. Thank you for your attention to this matter, and I look forward to hearing from you soon. Sincerely, XXXX
01/24/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 11201
Web
There was a XXXX form files that you have not addressed. Attached below Also Under the XXXX XXXX of 1999 nonpublic information such as late payments or charge off shouldn't be disclosed to any non affiliated third party such as credit reporting agency without my lawful consent 15 u.s.c 6802. And you have reported such information which means fraud has been taken place Instructions for Borrower ( the company ) Certain lenders who acquire an interest in property that was security for a loan or who have reason to know that such property has been abandoned must provide you with this statement. You may have reportable income or loss because of such acquisition or abandonment. Gain or loss from an acquisition is generally measured by the difference between your adjusted basis in the property and the amount of your debt canceled in exchange for the property, or, if greater, the sale proceeds. If you abandoned the property, you may have income from the discharge of indebtedness in the amount of the unpaid balance of your canceled debt. The tax consequences of abandoning property depend on whether or not you were personally liable for the debt. Losses on acquisitions or abandonments of property held for personal use are not deductible. See Pub. 4681 for information about your tax consequences. Property means any real property ( such as a personal residence ) ; any intangible property ; and tangible personal property that is held for investment or used in a trade or business. If you borrowed money on this property with someone else, each of you should receive this statement. Borrower 's identification number. For your protection, this form may show only the last four digits of your social security number ( SSN ), individual taxpayer identification number ( ITIN ), adoption taxpayer identification number ( ATIN ), or employer identification number ( EIN ). However, the issuer has reported your complete identification number to the IRS. Account number. May show an account or other unique number the lender assigned to distinguish your account.
06/02/2015 Yes
  • Credit card
  • Credit card protection / Debt protection
  • OK
  • 73013
Web Servicemember
We heard a radio ad from a talent ageny in XXXX XXXX that was being hekd called The Event asking to bring your children for an audition. Would your child like to be a XXXX star? They sold us a sales pitch scam for {$4700.00} and are in no way affiliated with XXXX. I later went home and did some research finding out this company is a huge scam. I tried calling the number but it was a XXXX you 've won a {$100.00} XXXX XXXX gift card. I then faxed a certified letter saying I do not want their sevices and I would like a full refund. I received a letter stating they will not refund my money because it was past the XXXX day contract period but I can attend a later event for an extra {$1000.00}! I have written letters to XXXX district attorney offices and filed a complaint. XXXX in XXXX XXXX where this happened and in XXXX where this company 's stated their address was on the flyer we received. Neither received a response and the address is not valid. I also went to a small claims court free class and they suggested I sue my credit card company because it would be hard to find this company since it was all a scam. I contacted my credit card company and they have refused to help! They said you signed the contract but I tried to explaining it was all a scam and that I never received any services from this company at all and it 's fraud! They still refused to help. It is now a charge off on my credit. I also had the XXXX office write up a letter stating that I would be taking them to small claims court if they do not refund my money. I never received a response just like both attorney general offices who have tried to contact The Event. I have attempted to try to get this fixed for the past couple years but havent been able to contact this company at all. I would like to make a report against The Event and also Discover credit card company for not helping me when there is a reason they have the fair credit card act. I would like to find out if there is anything I can do to get this off my credit. I would others to be aware of this scam company!
09/04/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 94121
Web
Hi! My name XXXX XXXX. Please take a look. I have a Discover credit card that I used to purchase items at XXXX XXXX. There were charges and returns and my balance should have been XXXX. However, Discover claimed that I owed over {$500.00}, which I didnt, and used a cashback bonus that I had in the amount of {$540.00} to cover that balance that I did not owe. In addition, I also had a credit from XXXX XXXX - a security dispute adjustment in the amount of {$910.00}, which Discover also took. I have tried to resolve the dispute with Discover but was unsuccessful. In XX/XX/XXXX, I used my Discover credit card to pay for my orders at the XXXX XXXX and XXXX XXXX. I returned many of my orders. They didn't suit me. Refunds for purchases at XXXX XXXX ' store were made late. I spent a lot of my time and energy trying to get the store to fix this. It was eventually done. However, the Discover Fraud department created, for me, a report with a new balance of {$400.00}. Also, {$900.00} disappeared from my credit account. This amount, by the XXXX XXXX store, was credited to my account. On XX/XX/XXXX, I had two payments of XXXX each. The things with this value were returned by me. In the report, credits are made on XXXX and XX/XX/XXXX. Then in the report for XX/XX/XXXX, XXXX - XXXX XXXX, XXXX there was a security dispute adjustment {$910.00} dated XX/XX/XXXX. In the report for XX/XX/XXXX - XXXX, the amount of {$910.00} again appeared in my statement as a charge. It was dated with XX/XX/XXXX. In the same statement on XX/XX/XXXX it was credited back as a security dispute adjustment. In my next statement, like a my credit, this amount does not appear. It was stolen from me. i also have a cashback bonus {$530.00}. This money Discover Credit department took from me as well. Many times they asked me to cover the balance, that was created by them, with my cashback bonus. After that I received a new statement with a new balance. I really need your help. My phone number is XXXX XXXX XXXX Thank you so much for attention. Sincerely, XXXX XXXX.
07/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11210
Web
I have these accounts that are not mine and i want them to be remove from the 3 credit reporting agencies. XXXX 1. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 5. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX Account Number : XXXX This is not mine. XXXX 1. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 5. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 8. Identity Theft XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX Account Number : XXXX This is not mine. XXXX 1. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 5. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 8. Identity Theft XXXX Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.
02/10/2017 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • NY
  • 11223
Web
I 'm writing in regards to our experience with Discover Bank, my mother I and our friend have opened account with Discover Bank each separately, mom was first, about 3 weeks ago the XXXX of us this past week, mom has transferred XXXX to her savings with them when she opened an account and they took that on the XX/XX/2017 then she opened checking we did the same because you have to have savings account to be able to open checking account. They sent mom the checks and the welcome kit then yesterday without any notice they closed all of the accounts i called to ask them they said that i needed to send them copies of my passport, drivers licence and social security i did that 13 times yesterday and they said that the documents are not acceptable that they do not appear clear enough. Today when i called and i asked them to close everything they told me they did because I 'm a ''fraud '' and we all have opened a '' fraudulent account ''. This was absolutely inexcusable, they have degraded us and called us thieves, mean while taking money from our other bank account, i never felt such humiliation, since we came to the states we have never asked anything of anyone we never were in any kind of debt we never owed anything to anyone, for them to call us ''frauds '' is unacceptable. I told them that i will write to consumers report but that 's just not enough they do n't have the right to dirty our integrity nor our name yes i understand that they have never met people like us who work for what they have and never ask for anything. They have not yet returned the money but have closed all of our accounts i also told them that none of us ever had any identity issues we have always been very protective of our privacy none of us ever used any social media to publicize our lives nor did we ever send all of our most important documents to anyone in the way we did to them as they have requested so in the future if anything at all comes up in regards to identity theft they as a corporation will be solely held accountable as we do not take this lightly.
09/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MN
  • 559XX
Web
I have been disputing a 30 day late payment that occurred on my Discover account in XX/XX/2018. Discover has refused to do an investigation into the matter so I escalated the issue to their corporate office of Customer Advocacy and to the CEO 's office but nothing has been done. After reviewing my account with Discover multiple reasons why the late payment occurred : The minimum payment had increased around XXXX/XX/XX/2018, but the auto pay did not make this adjustment. I submitted the payment on time, via a phone payment on or around XX/XX/2018 but it bounced on XX/XX/2018, then Discover represented the phone payment XX/XX/2018 and was returned XX/XX/2018 because the Discover Financial Services representative took down my incorrect bank account number to process the payment that bounced. XXXX XXXX acknowledged to me that the payment kept bouncing because Discover had the incorrect bank information to process the payment that kept bouncing. Discover Financial Services representative made a mistake that caused my account to have a 30 day late payment. Discover Financial Services is violating my rights under the Fair Credit Reporting Act Section 623 ( a ) ( 3 ). Discover Financial Services never added the required sentence on my credit report stating, " Customer has disputed the validity of this account '' within the required 30 days of the disputed item. Discover Financial Services is also violating my rights under the Fair Credit Reporting Act Section 623 ( a ) ( 2 ) ( B ). Discover is not allowed to report inaccurate or incomplete information. The month in question of the 30 day late payment I had over {$7000.00} in my bank account and could of easily made the minimum payment or paid off the whole account in that statement period. I qualify for this removal of the late payment because I have never missed a payment before the incident or after the incident and there was negligence on Discover. Discover is reporting inaccurate, incomplete, and not verifiable information to the Credit Bureaus ( XXXX, XXXX, XXXX, etc ).
07/20/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MS
  • 391XX
Web Older American
My DISCOVER card was charged and I disputed {$560.00} : XX/XX/XXXX XXXX XXXX NV {$5.00} XX/XX/XXXX XXXX XXXX NV {$85.00} XX/XX/XXXX XXXX XXXX NV {$91.00}XX/XX/XXXX XXXX XXXX NV {$91.00} XX/XX/XXXX XXXX XXXX XXXX NV {$.00} XX/XX/XXXX XXXX XXXX XXXX NV {$4.00} XX/XX/XXXX XXXX XXXX XXXX NV {$89.00} XX/XX/XXXX XXXX XXXX XXXX NV {$94.00} XX/XX/XXXX XXXX XXXX XXXX NV {$94.00} I ordered a FREE sample for {$4.00} shipping from XXXX. 1 ) A company sent a box to me with no NAME of the shipper on it. I located them by the address on the box and I CALLED THEM. I TOLD THEM I WAS RETURNING THE BOX TO THEM UNOPENED, AND TOLD THEM TO NOT SHIP ANYTHING ELSE TO ME. 2 ) I received two more identical boxes. I returned these two additional boxes to them unopened. After returning all three boxes, unopened, I received a form letter email from XXXX regarding the above charges on my DISCOVER card. 3 ) The company sent a copy of a webpage that I have never seen before to DISCOVER saying I signed a contract with them. I did not agree to any contract ; I only agreed to one sample for {$4.00} shipping. I had never seen that web page until DISCOVER sent me a copy in their correspondence. 4 ) I supplied DISCOVER multiple sources showing them that this company goes by numerous names and has scammed numerous people. DISCOVER charged me using the name of ~ XXXX DISCOVER charged me using the name of ~ XXXX XXXX I was contacted by an email with the name ~ XXXX How DISCOVER connected the three names, I do not know or understand. However, DISCOVER does not care that the company is a scammer. XXXX XXXX XXXX 5 ) XXXX told Better Business Bureau : The customer 's account has been flagged as a chargeback onXX/XX/XXXX for the disputed charges. The chargeback processor and credit card companies will determine the legitimacy of the claim and be able to provide any refunds as necessary. 6 ) I requested ONE sample for {$4.00} shipping. I was charged NINE times totaling {$560.00}. I returned everything, unopened, unused. DISCOVER will not credit my account for the full amount.
06/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NY
  • 11779
Web
Discover card would not help me with a merchant contractor XXXX XXXX who overcharge my discover card for {$1100.00}. The original charges should have equaled {$6000.00} for a roof extension and they broke the charges up by putting my discover card account number on their computer system and charged my account totally {$7100.00}. This was a capitol improvement so there was not tax charged on the project. The company refused to finish the job also leaving bent poles, garbage in the yard, and not installing the soffits that was part of the job. They also opened the walls and left asbestos exposed and they would not seal it up. They also left sharp pieces of metal hanging on the wall randomly down the roofing area dangling. The merchant did not file the permits to do the job, so I am also stuck with issues of getting a Certificate of Occupancy for the job. They are legally responsible and led me to believe that they did their job but they did not. I asked discover to step in since I am protected from services performed that are charged on my credit card. I asked them to dispute the original down payment of {$1500.00} so that I could hire someone to finish the job and try to work out permits for the CO. XXXX XXXX stole {$1100.00} from my Discover account and never finished the job. I thought I was being fair by asking for {$1500.00}. I could have disputed the whole amount. The work they did is subpar, and they stole money from me. The extra money was unwarranted and not authorized. This has been going on since XXXX of XXXX and Discover card rejected my dispute and wont even take the stolen money back from XXXX XXXX. They told me the only way they would refund me is if XXXX XXXX authorized giving me back the money they stole from me. I am asking for your help because Discover is protecting this merchant and not my rights. It is a shame because I opened my Discover account in XXXX 32 years ago and they would protect one of their merchants over my right under the rules for unsatisfied service clause in the credit laws of XXXX.
03/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 109XX
Web
XX/XX/2022 TO : Consumer financial protection board ( cfpb ) RE : Credit card theft by XXXX account registered under email address I am lodging a formal compliant of credit card theft against the payment system XXXX, aided and abetted by Discover card. I have accounts with both companies. I have the XXXX account ( under email address ) purely for an occasional convenience and rarely use it. But XXXX on about XXXX stole a credit card authorization on a Discover card I own. Prior to XXXX, I had received a couple of email notices from XXXX that a Discover card on my XXXX account was about to expire and that I should update the card which is all that the notices said. I ignored the notices as I wanted to let the card expire after which XXXX would no longer be authorized to use it. I never received a notice from XXXX detailing any consequences or actions the company would take if I allowed the card to expire. I NEVER AUTHORIZED A RENEWAL OF THIS CARD FOR THE XXXX ACCOUNT. Nonetheless, I received an email from XXXX on XXXX notifying me that it went behind my back with no authorization from me and updated this card to renew it. The XXXX notice is attached. Credit cards have expiration dates because payment agreements by customers are NOT perpetual with any vendors or payment systems. Customers carry the legal obligations of debts and by that they have full and total authority over any and all authorizations of credit with vendors or payment systems. NO XXXX actions can not be legal. When someone dies or is incapacitated or just no longer wants a previous payment arrangement, they have a right to have a financial charging agreement die with the expiration dates. Their cards can not be endlessly renewed and/or charged by a vendor of any type. I do plan to completely terminate my account with XXXX. But if I do that before this theft complaint is investigated, XXXX could claim that I never had an account. This is a HORRIBLE, NIGHTMARE company that makes customer complaints disappear and preys on consumers. Respectfully submitted
09/16/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • OH
  • 445XX
Web
YET AGAIN IM RECEIVING EMAIL CORRESPONDENCE AFTER NUMEROUS TIMES TO BE CONTACTED THRU THIS AGENCY REGARDING THIS MATTER. BECAUSE I NO LONGER TRUST THE INDIVIDUALS INVOLVED IN THIS INCIDENT WHICH ALL STARTED FROM A SIMPLE MISTAKE AND LACK OF AGENT INFORMING ME TO MAKE SURE I SCROLL DOWN FOR XXXX CREDIT PORTION OF THE APP. ( MAYBE YOU SHOULD TAKE THIS HORIFIC INCIDENT AND UPDATE YOUR TRAINING PROCEDURES INSTEAD OF TRYING TO CLOSE YOUR CUSTOMERS ACCOUNTS. ) BUT I UNDERSTAND ITS LOT CHEAPER TO CLOSE YOUR CUSTOMERS ACCOUNTS FROM A HONEST MISTAKE. SO IM ATTACHING CORRESPONDENCE AGAIN. IM ATTACHING THE IRS CONSENT FORM 4506-C THAT I RECEIVED YET AGAIN WITH THE DEMANDS TO FILL OUT AGAIN ... BECAUSE DISCOVER IS TAKING THE STANCE I NEVER FILLED OUT ... THEY DIDNT RECEIVE ... IT WAS INCOMPLETE.. ALSO ATTACHED CONFIRMATION OF EMAIL STATING ITS BEEN SUBMITTED AGAIN ... WHICH I HAVE ALSO UPLOADED PREVIOUSLY IN OTHER COMPLAINT. ALSO ATTACHED COMPLETED FORM SO ALL PARTIES CAN SEE ITS BEEN COMPLETED... AND ALL HILIGHTED AREAS FILLED OUT. AGAIN I HAVE BEEN ON XXXX SINCE XX/XX/2010 AND I HAVE NOT FILED TAXES SINCE THEN ... .BECAUSE XXXX NOT REQUIRED TO. BUT YET AGAIN DISCOVER IS DENANDING THE LAST TWO YEARS OF MY TAXES. AND AFTER STATING MY EIN NUMBER IS BRAND NEW... ALONG WITH IRS LETTER FOR EIN SHOWING DATE OF THE ORIGINAL EIN ... AND THE NEWLY FORMED FROM XXXX XXXX TO XXXX..AND UPLOADED THAT PREVIOUSLY... AND YET AGAIN DISCOVER IS DEMANDING THE LAST TWO YEARS OF TAXES AND THREATENING TO CLOSE ACCOUNT ... THEN AFTER COMPLETING... SAYING I NEVER DID... WAS INCOMPLETE... ETC AND AS WELL AS THE SECRETARY OF STATE ARTICLES OF ORGINIZATION.. AND MY ACCOUNT HAS BEEN FROZEN NOW FOR ABOUT A MONTH NOW... AND I HAVE UPLOADED MORE THAN ENOUGH PROOF OF MY IDENTITY... STILL RECEIVING THREATS OF CLOSING MY ACCOUNT UNDER THE GUISE IM NOT CO-OPERATING IN PROVIDING DOCUMENTS .... WOW ... AMAZING... AND I HAVE XXXX AND XXXX .... REALLY BAD ISSUES WITH MEMORY... XXXX XXXX I THINK THE APARTMENT WAS XXXX XXXX NH BUT I DO NOT RECALL FOR SURE...
03/30/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • IL
  • 60622
Web
Hello, I have a Discover Credit Card. I made a payment from my XXXX XXXX account for {$500.00} in XXXX of XXXX. I have used this account in the past with success. I initiated it through Discover 's mobile app. By the end of the month, the payment never reflected in my balance, but instead there was two " Returned Payment '' Fees. The money was for sure taken out of my XXXX account and never returned, and to this day Discover claims that I did not have sufficient funds ever. I opened a dispute with Discover and filled out their standard documents asking account numbers and explanation. I also provided them with multiple bank statements showing it left my account and never returned ( attached here also ). I did this for my XXXX statement for when the payment was initiated, but also, all the way up to XX/XX/XXXX. There was never a returned payment of {$500.00}. Eventually they closed my dispute for " not providing sufficient documentation '' even after posting all my statements and filling out their documents. This was late in late XXXX. I continued to call and they requested personalized letters from my bank to say that my payment cleared - but XXXX does not make personalized letters. I got to Discover 's payment department only twice since opening the dispute, and when they get to a point where I point on their balances, they say that they " need to look into it ''. They have hung up on me twice after I clarify that they've been there for months. As of XXXX, I called recently and they said " this is a XXXX case, and it is closed indefinitely. '' It seems that everyone I talk to now has no urgency whatsoever. I have thorough case notes on this Discover dispute that express I should be handed over to the payment department or manager immediately, but everyone has to start from the beginning each time I call and it's been no help. It feels like they are doing almost no investigation work since it seems each agent is stunned that there's tons of documentation despite the case being closed due to " insufficient documentation ''.
05/18/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • AZ
  • 85138
Web Older American
On XXXX XXXX, 2023 I elected to patronize a balance transfer promo for XXXX $ with my discover card. I spoke with a representative from Discover to assure the details of the balance transfer promo was correct and he assured me it was. The promo offered two ways to receive the balance transfer monies. The transfer could be deposited into your checking account or paid directly to the balance of another credit card. XXXX $ was deposited into my banking account on Monday XXXX XXXX, 2023. ( Please see balance transfer promo attachment for promo details ). The problem is when I viewed my discover credit card on XXXX XXXX, 2023, I realized that the balance transfer of XXXX was ADDED into the total of the EXISTING balance on my Discover card which has an APR. I called Discover and asked " why are these two balances are not separate. When I pay the card, how will Discover know which balance to apply the payment. '' I was told that the payment would go to the lowest APR which would be the balance transfer. Any amount paid over the minimum payment for the balance transfer will be applied to the existing balance. This means, I will never be able to pay the promo balance within the 12 months and if it's not paid it will incur an APR of 27.74 %. I then told the representative that I would pay the XXXX back immediately. The representative informed me that, that would be an overpayment for the promo and the over payment would be applied to the existing balance. Summing it up, Discover is leaving the consumer, no way out. This is misleading, fraudulent, illegal and unbelievable! I do not want this fraudulent offer. When/ if I pay any monthly payment on the card, it is to be applied to the EXISTING balance. If it is applied to the PROMO balance that will be because they chose to do that and I have no control over that. OR I will elect NOT to pay this discover card anymore until this issue is resolved minus penalties. I'm asking if CFPB would please help me resolve this issue asap. Thank you very much for your time. ( Please see attachment ).
07/26/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • WI
  • 532XX
Web Servicemember
The incident apparently has been developing over a radio frequency network, any password or security system XXXX be overridden easily due to the hybrid body area network infrastructure. They are to be considered " XXXX XXXX '' against the government and XXXX be under the influence of a foreign government. My best guess is local media is not as friendly as their action are recording. That description XXXX include radio and television broadcast and news groups, their contract workers and a slight case of malfeasance. This network has been buying into every outlet ( stalking ) to a malicious and intimidating degree. They have literally taken over the bank in question ( Discover Bank ) using subversive and sometimes painful medical equipment ( compromised IP server, etc. ) and are currently canvassing for other targets. My personal lose ( for XXXX ) has been an anticipated yet sacrificial loss of a personal loan received from a different bank. It was for {$1000.00} but was to be used for case management expense and personal bills, not as a test money mule exploit for XXXX extremists. XXXX apparently is subjected to the extremist group, virtually changing directives mid conversation, lying about a " verification email '' and how difficult it is to reschedule it. This verification email should have been reproduced but has not been, thus instigating further loss of time, communications and liability corruption. The loss of access to the account is the basis of this complaint. I can isolate and even triangulate their position, but apprehension may require assistance. Case management is sustaining communications via internet and mental health facilities, yet recidivism and simple candlestick signals help boost and amplify their position. I don't want to be the arresting party ( : ), I only want to pay my creditors and live in peace without XXXX XXXX and XXXX XXXX This is supposed to be an antitrust case ; an official antitrust compliant will be filed, but the litigant are still being investigated as a XXXX compliant. Be diligent.
10/14/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AR
  • 72956
Web Servicemember
I first reached out to XXXX about unsatisfactory item. The shoes I purchased were stained and smelled funny. They were not in greatcondition like advertised in listing on website. I asked to return and refund and was told no. I reached out to XXXX. I sent proof ( pictures ) of the stained shoes and markings all over them and showed XXXX policy of items must look like what they are listed as, XXXX agreed they did not and were not in great condition. XXXX said if I returned the shoes they would issue refund. I returned merchandise to poshmark and provided tracking info. XXXX said XXXX agreed to the refund. XXXX said they saw the item was return per the tracking info and the refund was issued. I was waiting for refund and it was taking awhile so I asked Discover my credit card that is connected to my XXXX account and, the agent took over and initiated the dispute. A temporary credit was issued. Then poshmark responded changed their tune and did not agree to refund and Discover found in their favor. I reached out and asked why and found out they over looked many documents that I had send so the reissued a temporary credit. I waited several more moths and checked in regularly with them and they kept saying it looked like it would be found in my favor. I was worried and asked what would happen if it was not found in my favor. I was told on multiple occasions that they could do something in house to make things right. I found out today it was not found in my favor. I asked if they were going to do something in house to rectify this since I no longer had the product in my possession and, they said they wouldnt. I contacted XXXX and they said the case could no longer be reopened so Im looking to you for help. This is not fair. Im being required to pay for goods that I no longer have. Its not right. Its highly unprofessional that XXXX didnt honor their policy to begin with. Then for Discover to take over a dispute only to leave me with zero resolution or options moving forward and to pay for goods I no longer gave ownership of.
10/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NJ
  • 08611
Web
I made a purchase in XXXX and created a credit card dispute under the bases of incomplete services with Discover on the date of XX/XX/2022 for the amount of {$2300.00}. On the discover credit card services website and their own cards benefit pamphlet it shows that discover has the ability to dispute purchases for 3 reasons, one of them being " Incomplete service : Did you pay for something that was never delivered? Was there a quality issue that affected your ability to use your purchase, or the product you received wasnt as advertised when you charged your card to pay for it? While youll need to make a good-faith effort to solve the problem with the merchant first, you can also dispute credit card purchases where there were these types of service issues. '' I made a purchase on an order where the seller messed up and sent me the wrong items. They agreed to a refund once I returned the item. This was the result of the products received wasn't as advertised, as clearly stated by discovers return policy. I agreed to return the items, and the return was sent back and delivered. After delivery, the seller refused to refund me for some odd reason. I believe they were double dipping me by keeping my order that I returned brand new and the money I spent on it. So they got a 2 for 1. I told discover this and provided ample amounts of evidence, of the order being returned and received by the seller and the seller refusing to refund me. They still sided with the seller. I opened a chargeback not only once but twice and they still sided with the seller when I provided evidence that the return was delivered to them and the seller was committing fraud by keeping my return and the money I sent them. Discover said I need proof that the refund is owed to me. How can I get proof from a fraud company that won't return me my money or the items I bought from them? Discover does not uphold to what their dispute claims are stated on their website. They do not care if their consumers get scammed. They will let it happen and ignore their consumers.
11/29/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • VA
  • 22204
Web Servicemember
In XX/XX/2020 I noticed hundreds of small purchases on my Discover card amounting to approximately {$1300.00} made to XXXX. These charges vary in cost from {$1.00} to {$50.00} at a time and were made between XX/XX/XXXX and XX/XX/2020. I did not make any of those charges and no one else has access to my credit card. I alerted Discover customer protection services, who initially refunded the purchases. I also contacted XXXX who stated that there were no charges on my XXXX ID or the current form of payment attached to my account, however my card ending in XXXX ( which had been previously closed for fraud in XXXX of 2020 ) had been compromised and was in use by 7 different accounts. Those accounts were closed for fraud and my credit card ending in XXXX was barred from ever being used on XXXX again. They would only be able to provide a merchant refund for approximately {$190.00} of the purchases and the financial institution would have to refund the rest. The next month credit card statement showed they had reversed the refund and returned the charges to my account. I have since provided information from my XXXX account showing no purchases adding to that amount as well as the case notes and phone recording ( which was too large to attach to this complaint ) from my initial discussion with the XXXX representative yet Discover will still not accept my fraud claim. Discover wanted a list of what charges XXXX is considering fraud however I have also provided written documentation that XXXX can not provide that to me since none of the charges were associated with my account and that would violate their privacy policy. I was a Discover card customer for 10 years with an excellent credit history so I have no motivation to try to defraud Discover out of {$1000.00} yet they keep denying me whenever I provide proof. It has been an extremely frustrating situation because the determination process is completely non-transparent and Discover refuses to show me written documentation of how and why they determined these charges to belong to me.
10/29/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • GA
  • 30813
Web Servicemember
On Saturday XX/XX/2022 I completed on online application for a personal loan for {$13000.00} from Discover Personal Loans. From my application, I received an email from Discover saying I may be approved for a loan and prompting me to call and speak to one of their loan specialists to complete the process. I called Discover at XXXX and spoke to a young man who asked for further information, such as verifying the name of my employer and my banking account numbers. He indicated that I was approved for a loan through Discover, would be receiving a welcome packet in the mail with more information, he agreed to make a note to have my loan repayment date moved by one day. He said the last step in the process was to get verification of my employer, simply by uploading my pay stubs to an online portal. After ending my call with him, I received this email and followed the steps to upload my employment verification documents uploaded. However, after typing in my reference number provided in the email, I was not directed to a portal to upload documents. Instead, a letter from Discover was displayed indicating they would not be moving forward with my loan at this time due to being " unable to verify credit information ''. I was very confused at this point. Having just been told 10 minutes prior that I was approved. I called Discover again and spoke with a woman. She looked up my reference number and confirmed that I had been denied for the personal loan. I explained my confusion, since I had just spoken with someone who had told me I was approved and had taken down my banking information. She said she wasn't sure why that had happened and assured me I was not approved for the loan. She was very professional, but was definitely more concerned with making sure I knew I was denied than the fact that someone had asked for my banking information and told me I was approved in error. I would not have given my bank account numbers to someone over the phone if I hadn't been assured that I was approved for a loan and it was necessary information.
09/03/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • NY
  • 11207
Web
Discover XXXX discriminated against me going against the Federal Law pursuant to Equal Credit Opportunity Act 15 U.S. Code 1691 1. In order for Discover to even let me put in an application I was already approved. Once I gave Discover my application, It was Approved. and they ran it, legally can not deny me credit because they don't have credit to give. I the consumer am the creditor and I am extending you credit pursuant to 15 U.S. Code 1691a ( e ). 2. I was denied due to defamatory claims made by a credit reporting agency ; which according to congress is a scam. The Congress has stated that Credit Reporting Agencies, are a scam pursuant to 15 U.S. Code 1681 ( 2 ) which states : An elaborate me chanism has been developed for investigating and evaluating the consumer credit worthiness, credit standing, credit capacity, character, and general reputation of consumers ; 3. Congress has also stated that Credit Reporting Agencies are assuming a vital role in assembling and evaluating consumer credit Pursuant to 15 U.S. Code 1681 ( 3 ). Therefore youre only making pretend youre important or have a vital role without any proof ; 4. Furthermore, Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ; 5. Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner that is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. XXXX are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ;
11/02/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NC
  • 27127
Web
According to Discover Card, a authorized electronic consumer credit card transaction was done via online using their digital application/contract in my name XXXX, XXXX. I received several monthly statement requesting payment of account with the alleged debt of {$320.00} and it's due balance which I offered to perform in good faith to settle upon the condition that Discover Card provided me all the necessary proof of evidence pursuant the Fair Debt Collection Practices Act, 15USC 1692g which I listed in requests documents numbered below 1. Debt Collector Disclosure which they did not provide with their letter of response. 2. Affidavit Of Debt Validation which they did not provide with their letter of response. 3. To Cease And Desist which they ignored. Pursuant the Fair Debt Collection Practices Act, 15USC 1692c ( c ) I have given First Discover Card multiple default and opportunity cure the issue at hand by sending all my affidavits certified mail and they have yet to respond to me with the requested information. An Affidavit unrebutted stands as Truth. According to, United States v. his, 658 F.2d 526, 536 ( 7th Cir. 1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 1982 ] Allegations in Affidavit in support of motion must be considered as True in absence of counter- affidavit ''. [ Group v Finletter,108 F. Supp. 327 Federal case of Group v Finleter, 108 F. Supp. 327 ] An affidavit uncontested unrequited unanswered, Morris v National Cash Register, 44 S.W. 2d 433 Morris v National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''. I have also provided Discover Card several exhibits disclosing all their violations of my consumer rights pursuant the FDCPA, FCRA and I also provided them with a detailed invoice. 15 U.S. Code 1692k ( A-A -E ) - Civil liability Also requested Discover Card to provide GAAP , Generally Accepted Accounting Principles is the accounting standard adopted by the U.S. Securities and Exchange Commission .
11/08/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • XXXXX
Web
I initially contacted the company in regards to a charge on the account that was not honored at the location. They responded with a company generated mail stating that the charge was valid because it was made through my account. Responding to that, I stated it was in fact made by my account, however it was not honored at the location. I was told that the tickets were already used. I told him it was not possible because I just arrived. The clerk stated that I can dispute it but i would have to purchase another ticket to get in. I went to purchase another set of tickets with my spouse 's card and was told by that clerk as well to dispute the charge when i get home. I showed documentation that I had paid for the tickets via other to the card company, but I was responded to with the same merchant documentation that it was non refundable and that the tickets was emailed to my account. I responded again telling them that I 'm not disputing that I did n't make the purchase, I 'm disputing that I was not allowed in with the tickets that were provided. They responded with " we are sorry your dispute did n't yield the resolution you desired '' and closed the case. I do n't believe anyone actually looked into the case, because if they did, they can see that the documentation that the merchant provided was computer generated. Further Discover themselves generated their own non human response and called it a day. My only thought is that I made the purchase on a public computer at my hotel. I also printed the tickets there as well where I initially had problems printing.Neither I or the hotel can be sure that this was the reason to this, but the park also did not request ID upon entrance. So basically if anyone had access to that wrong printout, they were able to enter the park in place of me, leading to my ticket, if i went after them, to be invalid. Please help with this situation, this is a substantial amount and is not something that can just be paid off by me and just move forward, especially when i had to pay twice for it.
01/27/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • KY
  • 40517
Web
I opened a checking account with Discover Bank on XXXX XXXX, XXXX during a promotional period that offered a {$300.00} reward for opening a Discover Cashback Checking account and making two direct deposits within 90 days of account opening. During the online application process I saw a notice confirming that the promotion had been applied, but I also called shortly after I had finished applying and had a customer service representative confirm my eligibility for the promotion and that it had been applied to my account. I completed my second direct deposit on XXXX XXXX, XXXX and waited a whole month before calling Discover to ask about the promotional reward ( the offer stated it could take up to 30 days after the second direct deposit to process the reward ). On XXXX XXXX, XXXX I called Discover to inquire about the promotional reward and had a representative confirm both my eligibility for the promotion and that the requirements for the promotion had been met ; the representative said he or she would submit a ticket to the department handling promotional rewards so that I could receive it. After not receiving the reward for several days, I called discover again on XXXX XXXX XXXX and was told the same thing as the call on XXXX XXXX : that I met the requirements for the promotion and that he or she would submit a ticket to the department responsible for issuing promotional rewards. After not seeing the promotional reward or hearing from discover bank for nearly 3 weeks, I called again on XXXX XXXX XXXX and was soon connected to an account manager. The manager I talked to on the XXXX told me that although the promotion had been applied to my account and I received confirmation and met the requirements for the promotion, that I was ineligible for the promotion because it was " targeted. '' I asked the manager to elevate the issue to someone higher and she told me she could file a feedback request on my behalf, but that was the end of that. I have yet to hear back from discover and fear that I will not be contacted yet again.
11/16/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • TX
  • 76712
Web Older American
XXXX date is Wednesday, XXXX XXXX, 2022 -In the past days, Ive received emails from Discover, of which Ive been a long time card holder, in excellent standing, with a large credit limit, of which I now have a very low balance. -The emails are demanding I sign an XXXX verification form XXXX, as to give Discover full access to my XXXX transcripts. If I do not, they will close my account, of which will bring down my credit score as to the long term excellent history I have with them. -Thinking this a scam, I called Discover to learn it was actually true. -Discover claims this verification info will be acquired by a XXXX party, that being XXXX XXXX -Upon receiving numerous emails from XXXX XXXX I called XXXX XXXX this @ XXXX XXXX XXXX XXXX and spoke with XXXX. XXXX XXXX me that XXXX XXXX NOT communicate via email, but only by post office mail. XXXX XXXX me that this was a scam for their company does not do XXXX party verification such as this. He then went to his superior to confirm, of which the supervisor said the same. This all occurred this day, XX/XX/XXXX, to the above phone number at XXXX XXXX central time. -I was told by XXXX XXXX call Discover and relay the information I was told, and to direct Discover to call the XXXX XXXX line at XXXX XXXX XXXX XXXX. - I first called Discover consumer service where I was told a supervisor would call in the next 3 business days. -I then called Discover XXXX at XXXX XXXX XXXX XXXX. I spoke with XXXX. Upon telling him the full story, he agreed to open an investigation and I would here from him in the next 4 weeks. He also gave me another number to reach him : XXXX XXXX XXXX XXXX. He said this was not a scam and was quite real. * I do not see it as normal business practice to ask my release to my XXXX account. I did offer to XXXX a copy of this years tax return, redacted, to prove income. * I do not know why I am being targeted with a perfect record. * Should they close my account, my credit will be drastically affected due to the length of this good standing account.
12/21/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • NJ
  • 08854
Web
Discover Card Services closed my account due to inactivity. My inactivity was due to the covid-19 virus pandemic that has been up-ending the economic wealth of the US. My card was paid off in XXXX when I received the stimulus check from the federal government. Since then I have been collecting Unemployment and trying to stay afloat by not using credit cards as frequent or at all. Discover decided, without notice ( as outlined in their user agreement ) to close my account that was only inactive for 8 - 9 months due to the pandemic. The fun part of this, is that their card was the longest line of credit that I had. With them closing the account due to 'inactivity ' ( which they never disclosed a timeline of how inactive it has to be before it is up for review ) it is now going to destroy my credit score since I have only had this card for almost 7 years. My payments were always on time and I had the card paid off. Now my score will drop significantly and cause more financial stress and burden because of the pandemic. I called Discover to try and reopen my account, and with further arguments boiling all I was told was " You can reapply for a new account '' - to which I replied " no, that will hurt my credit, just like you all closing my account. '' The simple act of closing an account, that was not late or past due, during a pandemic ONLY hurts the consumer. My financial situation is going to be worse off because of this, and with student loans interest rates that I have to pay off - Discover is out here doing the the WORST thing for you. They do not care about you as a consumer. I write this to hopefully help people realize that Discover is the worst credit card company and will only hurt your credit score more than you realize. God forbid you're in the middle of a pandemic and trying to be financially smart so that you can eat/go to the doctor. Whoever is reading this, please help me. Help bring an end to such an evil company that is out there destroying the lives of good people in the middle of really rough time.
01/09/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MO
  • 64114
Web
On XX/XX/XXXX I notified all three credit bureaus that I was a victim of identity theft. In the packet I included the FTC identity theft report, the proof of my identity, and a copy of the fair credit reporting act section 605B. There were multiple accounts that were opened in my name. I identified an account with Discover Bank as one that was open fraudulently in XXXX of 2016. On XX/XX/XXXX I received a letter from Discover requesting information to assist them in investigating the account. On XX/XX/XXXX, I submitted the requested information, including a copy of my federal tax return, showing that I did not live at the address that they had listed on that account. Whereas I requested any and all information that was used to open this account, I was not provided that information. Included in that letter was a copy of the FTC notice to furnishers of information which outlined that upon receipt of a consumers written request that includes an identity theft report that the information furnisher must cease to report that information to the CRA. XX/XX/XXXX, I received a letter from Discover saying that they researched the dispute of liability for the account and found the account to be valid. The letter also said that the payment in full is currently past due and until the full payment is made the negative information will continue to be reported to the reporting agencies. I also recieved a large envelope that contained copies of statements that weren't sent to the address that I resided. I immediately contacted Discover directly requesting the information that was used to determine that the account and balance was valid. I was informed that they did not have to provide me that information. I have continued to request this information and have made no progress. I don't understand why if I provide multiple pieces of information as to this account not being mine and opened fraudulently why the bank who is reporting this negative information will not provide me with any information as to how they came to that conclusion.
12/28/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 44011
Web
What is this complaint about? Credit card company reporting balance and payment history on my son 's credit report without my knowledge or consent. Misrepresented adding another users and how it would show up on credit report. Step 2 : What type of problem are you having? Discover Card Services asked me if I casually wanted to give anyone else in my family a card attached to my account. My son who was not yet XXXX but getting ready to attend XXXX was provided a separate credit card in his name but attached to my account. What they did not tell me is that my balance and history would show up on his credit reports. I asked for proof that they told me about how this would show up as an authorized user from XX/XX/2016 and they told me they don't keep the recording and that I was stuck. My son never used the credit card yet it shows on his credit report. He is not responsible for balance or any payment of it. They said by law they have to do this but never told me that as I just believe he was getting a card with his name but my account. I would not of taken the card. They indicated I could take him off now but the last balance amount would remain on his account for at least 7 years even if I paid it off to XXXX. Step 3 : What happened? I explained that the card was not presented it to me in that fashion and requested they removed it from his credit report. They said I could file a complaint with the credit bureau which I know will do nothing. They misrepresented the terms of the additional card. I spoke to a supervisor who dodged my questions then asked to speak to the credit department which I was told would call me in 24-48 hours and did not. Step 4 : What company is this complaint about? Discover Card Services XXXX Step 5 : Who are the people involved? XXXX XXXX and XXXX XXXX ( XXXX ) at XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Account ending in XXXX. I'm in good standing with Discover and pay more than asked every month. I get no second statement or anything in my Discover bill or mail that has my son 's name on it.
07/16/2015 Yes
  • Money transfers
  • Domestic (US) money transfer
  • Other transaction issues
  • TX
  • 78731
Web Older American
I initiated a transfer of funds from two CD IRAs I had at Discover Bank to my XXXX account as I am close to retirement. XXXX submitted the requests within the grace period following the maturity of the CDs. I received over several months numerous calls from Discover Bank stating the transfer paperwork was wrong. My financial advisor contacted Discover, made whatever changes they required, and resubmitted the documents to their IRA department. After several months of trying to get the CDs tranferred, during which time I continued to receive calls from Discover Bank saying the transfer papers were not completed correctly, I spoke with a supervisor on XXXX XXXX who, after researching my account, told me that Discover was calling me about the initial submission and that he had no record of subsequent submissions. As my financial advisor had recently resubmitted all the paperwork and sent it overnight, I insisted he look further. He told me that he did finally find the most recent paperwork, and that the phone calls I was receiving were in response to our initial submission. The transfer went through but Discover assessed me penalties for early distribution of funds in an amount in excess of {$1000.00} based on their contention that the money was transferred after the grace period. After numerous calls, during which I explained that Discover Bank was responsible for the delay ( something that the supervisor I spoke with admitted to ) they told me they would not extend any consideration to me and would not refund the penalty fees. In addition, they were unwilling to provide me with a copy of my initial contract in which they claim they informed me of their penalty policy. After researching reviews of Discover Bank, I see that many people complain of the exact same situation : Discover Bank failing to process transfers of money to other accounts, and assessing excessive fees for doing so. What I initially thought was incompetence I now strongly suspect is a deliberate strategy to delay transfers and then XXXX excessive fees.
06/28/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • MI
  • 48335
Web
I had some unauthorized transactions on my Discover card between XXXX XXXX 2017 to XXXX XXXX 2017. I reported this with Discover talked to their fraud investigator and was very clear that only the transactions between those dates were unauthorized. We even went through each one so to make sure there were no mistakes. I received an alert from my familys business checking account that I was overdrawn by more than {$3000.00}. After viewing account information Noticed a Misc. Withdrawl for {$4600.00} from Discover. Further I have been receiving alerts from utility companies for charges placed on my discover card from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Discover has literally reversed every transaction that has ever been placed on My discover card and without my permission marked every transaction as fraud and forced merchants chargebacks. This includes numerous businesses I frequent. I want to make it perfectly clear, the transactions prior to XXXX XXXX, 2017 were all authorized and initiated per the agreement with Discover, which is a Contract by adhesion meaning I had no say in the terms. Discover created the contract and now have violated their own contract at least 2 dozen times. I Have suffered damages that will exceed {$50000.00}. Discovers actions will destroy business relationships, it has cost me NFS fees, charge back fees and late fees. All my accounts due dates are between XX/XX/XXXX-XX/XX/XXXX of every month. Discovers reckless and unlawful actions are forcing me to take tomorrow off work to deal with the damages. I have dozens of calls to make as most departments are closed at the time I was notified of this incident, therefore forcing me to take tomorrow ( Wednesday XX/XX/XXXX ) off work. I have already drafted a civil complaint to file in XXXX County Circuit court against Discover. I believe other family members will be doing the same over the next week since this has also affected them. Additionally, Discover wrongfully closed this account and reported the negative information to all credit bureaus.
12/05/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33461
Web
I disputed multiple transactions stemming from an issue with a local gym in XX/XX/2023. Because of the issue, my credit card number was changed and I was provided a new card. After numerous weeks of review on the disputed transactions, I received XXXX letters ( XXXX dated XX/XX/2023, the other dated XX/XX/2023 ) from Discover stating that XXXX of the disputed transactions were credited back by the merchant and that the temporary credit would be replaced with a permanent credit. Please see attached letters. These credits were never applied to my account. I have attempted for weeks to get this situation fixed and all I get is hours on the phone being transferred from Billing, Fraud, Resolutions back to Fraud and then back to billing. I have several recorded calls proving my attempts to get this corrected. On call in particular was the most concerning. On XX/XX/2023 I spoke with several people : XXXX in Billing ( XXXX ) who transferred me to XXXX in Fraud then over to XXXX XXXX XXXX? ) them over to someone else and finally on to XXXX in resolutions. I recorded this conversation and XXXX clearly stated that the credits were on the old account and just needed to be moved to the new account. He stated that XXXX had to do this and he put me on hold while he contacted their department to do this. He came back several minutes later and told me that the XXXX department refused to transfer the credits. Flat out refused to do so. He told me he understood how frustrating it is but that it had to be escalated to XXXX. The same team refusing to help. Its concerning g that a merchant credit can be stolen by a credit card company and pocketed rather than being applied to the account the merchant was refunding. I find it to be theft. How can a credit card company make you replace your card and account number and then refuse to apply credits that hit the old account? They had no issue transferring over the balance but are simply refusing to transfer credits that they supplied to me in writing tied to transactions i the old account.
03/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • VA
  • 223XX
Web Older American, Servicemember
My deceased husband had a Discover card in his name. I was unaware of the card, was never an authorized user, nor did i formally agree to be responsible for this card.. He died intestate, in great debt, and because we were separated and lived in separate locations since XXXX it was quite a feat to deal with is finances. I notified all known creditors of his death and the majority were gracious when i explained that i had requested an autopsy and therefore any funds that i may receive as his surviving spouse would not come until approximately six months. Discover called my home at XXXX every week and Saturdays and called up until XXXX XXXX at night. The harassment was so great until i took to XXXXXXXX XXXX XXXX XXXX XXXX I spoke with the company and they requested proof that i did not live with my husband so i sent electric, gas, mortgage receipts, and other documents they requested for me to prove i was not aware of or responsible for the debt. i told them that there was not estate. They harassed me, invaded my privacy and to add insult to injury, they reported me to the credit bureaus as default on a debt and a 1099c for XXXX. I spoke with a representative to question why this action was taken even though it was not my debt and i was not required to pay it ; the customer service clerk said they were going to continue to attempt to either collect debt or charge me because my husband had used an account with my name on it to pay the bill. my name actually was initially on a XXXX XXXX XXXX account when were younger. However, my name was not on his checks and my checking account was at XXXX saving bank for several years. I was not aware that my name was still on that account.. Not sure if i was still an authorized user. I did not have a debit account for that XXXX account, and my name was not on his checks. Discover has ruined my credit and now jeopardizes me on my income taxes for federal and the state of VA. I am at my wits end and they won't listen. The tactics they are using are severe and harassing. Please help.
02/26/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MA
  • 01960
Web Servicemember
On Sunday, XX/XX/XXXX I noticed a charge on my Discover card account that I did not recognize : XX/XX/XXXX XXXX for {$170.00} I immediately started a dispute, and a temporary credit was issued. I received a very poor quality copy of what looked like a shipping label and was told this was proof of a legitimate charge. I wrote a letter on XX/XX/XXXX to both Discover and to XXXX requesting information about the purchase. How was the order placed, online or by phone? Did the expiration date and CVV code match? I then received an email on XX/XX/XXXX from Discover that stated : We've received your request to continue evaluating your dispute. After reviewing the information you provided, we determined that we've already considered this information or it was insufficient and we could not continue the dispute. If you have documentation you have not yet shared with us, please send it within 15 days of receiving this letter and we'll continue working on your dispute. So I wrote another letter on XX/XX/XXXX, stating : I find it interesting that Discover is asking me for information that I can not possibly have, since I did not make the charge. I have never purchased anything from XXXX. This is a fraudulent charge. And the charge was put back on my account. So I wrote another letter on XX/XX/XXXX, asking the same questions. I was not given the courtesy of a response. So I wrote again on XX/XX/XXXX, and I also did an online chat. I was told that I needed to call Discover to continue the dispute. Discover requires written notification of any fraudulent charge. And I am requesting the same. I have written, and I have no response. Did anyone ask XXXX who placed the order, how was it placed? Can it be traced? I know they have not responded to my request for information. Is someone looking into the unauthorized use of my credit card? The entire balance on my account is this unauthorized charge plus interest. And I now have an email stating that my account is past due. Since I have not charged anything, I have a zero balance.
10/11/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NJ
  • 08050
Web
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Request for Re-investigation of Fraudulent Transactions and Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request that my case of aggravated identity theft be reconsidered and re-investigated by the respective financial institutions : XXXX XXXX, XXXX, XXXX XXXX, Discover, among others. I have previously disputed fraudulent activities in my accounts with these financial institutions. Unfortunately, I have not been fully reimbursed for the monetary losses incurred due to these fraudulent transactions despite presenting substantial proof to validate my claims. According to the United States Department of Justice, I have been a victim of aggravated identity theft, affirmed by several letters that they have issued to me as proof. This grave situation has not only caused me severe financial distress but has also impacted my credit history. Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau. I kindly urge you to instruct these financial institutions to properly revisit my case and conduct thorough investigations again into these fraudulent activities and transactions. It is crucial for me to recover the money stolen from me and also to ensure that such an incident does not reoccur. To further substantiate my claim, I am ready to provide any necessary documentation or support that would be needed in the due process. I am keen to cooperate fully and provide any additional information as requisite to expedite the resolution of this matter. Your prompt attention and assistance in this matter would be greatly appreciated. Please advise on the necessary steps I should undertake to progress this issue favorably. I, hereby, also extend my sincere thanks for your service in advance. Thank you for considering my request. I look forward to a favorable resolution of this matter. Sincerely, XXXX XXXX XXXX
11/23/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • CT
  • 060XX
Web
In XXXX of XXXX my father gave me XXXX XXXX XXXX XXXX XXXX ) to manage his finances due to his XXXX. Shortly after getting the XXXX, I reached out to Discover to cancel his card as he no longer needed it while in a XXXX home. I spoke with a Discover customer service representative who helped me to pay the final balance on the card. This representative also gave me the email to which I should send the XXXX and request to cancel the card. On XXXX XXXX I sent my XXXX as well as the last XXXX digits of my father 's social security number and the last XXXX digits of his Discover Card account to the address provided ( XXXX ). At that time I explained my father 's XXXX and requested that the account be canceled. I am still receiving bills on this account. Discover has not closed the account and is allowing companies to either charge the card with recurring charges or they are allowing someone to use the card which is allowing fraud to occur. This despite the fact that I keep calling and emailing and trying to confirm the cancelation of the card as of XXXX of XXXX. In my latest call, I was told I needed to " dispute '' a charge which I refused to do as the account should have been closed. I should not have to dispute a charge that Discover fraudulently allowed on an account that was closed. They apparently recognize the validity of the XXXX as they have changed the address on the account to my address. If they recognized the XXXX as sufficient to make changes on the account such as a mailing address, they should have also recognized it for purposes of canceling the card and closing the account. Instead, they have allowed charges, keep charging late fees on top of the unlawful charges, and keep sending bills to my address. I am submitting the original email to the XXXX department of Discover from XX/XX/XXXX as well as a follow-up email I sent on XX/XX/XXXX. I just need someone to help me get Discover to stop contacting me and stop trying to collect amounts that they fraudulently allowed to be charged to the card.
03/21/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • OK
  • 730XX
Web
On Friday, XX/XX/XXXX, I logged into Discover Cards site and attempted to send a message to customer support regarding payment options after my layoff during the COVID-19 crisis. Accessing the Secure Inbox, I attempted to follow the prompts and select options to access relief but received the following message. Hold that thought! Sorry, we're unable to receive messages at the moment. Please try again later. You can also reach us via Chat or call XXXX for immediate assistance. Not wanting to sit on hold, I tried to find the chat function to no avail. I checked the mobile app but also could not find anything. At XXXX Central Time on Saturday, XX/XX/XXXX, I received an email from Discover that Important Changes to your Discover Card Account Terms Now Available. I attempted to load the link, but the URL would not load in three web browsers. Finally, I tried a fourth, which loaded a login page. After logging in, it instantly logged out. I tried the mobile app, which had a notice with a timestamp of XXXX XXXX. Sadly, selecting the notice resulted in the error that it could not load in app and to login to the website to see the notice. Finally, I called XXXX after XXXX on Saturday, XX/XX/XXXX. The customer service representative informed me that no new notice was issued, and that the last one was from XXXX of 2019. Because of the email and the in-app notice, I kept pressing, and ultimately, she said there was a notice increasing fees and penalties for missing payments. Due to the denial and reversal, I did not trust anything else she stated. The timing of the fee increases coinciding with a declared national emergency is too perfect, especially when competing banks are openly announcing relief programs for customers. Some might call it predatory. Specifically, it is as though they detected my partial attempt to communicate with customer service and placed me in a group of increased late fees to profit from my difficulties. In addition, I still can not access the notice and confirm what was relayed on the phone.
04/24/2015 Yes
  • Credit card
  • Balance transfer
  • CO
  • 80020
Web
My understanding of the current laws with regards to applying payments to credit cards is as follows - Any payment amount left over after the minimum payment is applied must go toward the highest interest rate.The minimum payment itself typically goes to the balance with the lowest interest rate. Any excess of the minimum payment is applied to the highest interest rate. There is XXXX exception to the CARD Act 's excess payment rule : If you buy something under a delayed interest plan -- such as " no interest if paid in full in six months '' offer -- then you can choose to apply your excess payment to that balance instead of the balance with the highest interest rate, so you can take advantage of the deferred interest. Otherwise, the credit card company is required to apply the XXXX payments before the delayed interest period ends to the delayed interest balance, in their entirety. If this is correct, I have recently had an issue with Discover Card. As I have a deferred interest offer that is expiring on XX/XX/XXXX. I also had a balance at a rate of 4.99 %, which did not expire until XX/XX/XXXX. I paid in full the amount of 0.00 % interest offer in XXXX and asked that it be applied to the 0.00 % that was getting ready to expire. However, they applied the payment to the 4.99 % interest balance expiring in XXXX XXXX not the balance expiring in XXXX XXXX. I have both spoken to them and have written them and this is their response. " With your payments, we generally apply any amount that exceeds the minimum payment due toward balances subject to higher Annual Percentage Rates ( APR 's ) before balances having lower rates as of the date we credit your payment. Payments are applied at our discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits as required by applicable law. We regret to inform you we are not able to move the payment to the 0 % APR. " Based on my understanding, this is against the law. If you could help me clarify, that would be great!
02/24/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • OK
  • 745XX
Web
XX/XX/XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX RE : Discover XXXX To Whom it may Concern, I would like to file a complaint about I never opened nor have I authorized any one to open or use my personal information for goods or services. I filed 3 reinvestigations with Discover, I was informed that an investigation had been conducted with regard to a fraud claim I opened with there office. The disposition of the claim concluded that because the address and phone number connected to the credit card account also appear to be connected to me through public record, my credit report and other recourses, the account was found to show no signs of fraud. This is my response to that letter. First and foremost I want to be clear that I have been the victim of identity theft. Someone unknown to me has utilized my personal information to obtain and use the above referenced account without my knowledge or consent. I have never lived at, been associated with, nor do I have family members associated with the address XXXX XXXX XXXX XXXX XXXX OK XXXX. These addresses appear to be connected to me because they were used to perpetrate the fraud. I have been incarcerated for the past 13 years and I am currently an inmate at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OK. My address has been the same for the past 10 years & during my incarceration I have not had access to a personal phone number or email address. Any emails and phone numbers associated with these accounts or myself have been opened without my knowledge or consent for the purpose of fraud. All payment accounts have been opened fraudulently as well. In light of this information I am requesting that a reinvestigation be conducted to verify this information so that this account can be removed from my consumer credit reports, the attached documents of my prison record, my prison ID, my SSN, A letter from the XXXX XXXX XXXX XXXX case manager, my police report. I Thank u in advanc for your time, consideration in this matter
01/20/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • LA
  • 710XX
Web
On XX/XX/2022 I applied with Discover Bank to open an open-ended credit plan, extending myself credit. Discover discriminated against me 15 U.S.C 1691 ( a ) ( 3 ) ). It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter. 12 U.S.C 1431 states each XXXX XXXX XXXXXXXX XXXX shall have powerto borrow and give security therefor and to pay interest thereon, to issue debentures, bonds and to do all things necessary for carrying out the provisions of this chapter and all things incident there to.The Office of Finance, as agent for the Banks, may issue consolidated XXXX XXXX XXXX XXXX debentures which shall be the joint and several obligations of all XXXX XXXX XXXXXXXX XXXX organized and existing under this chapter, in order to provide funds for any such bank or banks, and such debentures shall be issued upon such terms and conditions as such Office may prescribe. No such debentures shall be issued at any time if any of the assets of any XXXX XXXX XXXXXXXX XXXX are pledged to secure any debts or subject to any lien, and neither the Office of Finance nor any XXXX XXXX XXXX XXXX shall have power to pledge any of the assets of any XXXX XXXX XXXX XXXX or voluntarily to permit any lien to attach to the same while any of such debentures so issued are outstanding. If congress states the banks are to extend bonds and debentures but can not do so with its own assets then what is actually being extended to the consumer? The bank is not extending me it's assets, I am extending myself my own credit and Discover Bank is acting as a trustee in this fiduciary relationship. Discover has an obligation to do what is in the best interest of the beneficiary, and Discover Bank has willfully neglected to fulfill its obligations set in place by congress. If Discover Bank continues to discriminate against me, address me and speak to me with foul language,, legal proceedings will be enacted.
06/14/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • TX
  • 75098
Web
I applied for a discover student card approximately XX/XX/XXXX of XXXX. Being somewhat financially stable with a steady flow of income and being high school student in my senior year it seemed like a great card to apply for and I was ultimately approved. I received an email on XX/XX/2022 informing me that my discover card application was approved and that the card would be sent to me soon. I received the card on XX/XX/2022 and activated it the same day. Upon attempting to use my card later that same day, I found that it would decline on any transaction I tried to use it on. I had initially believed that it was still in the process of being activated so I didnt give it much thought and decided to try again another day. Upon attempting to use it again a day or so later, the card continued to decline. After dealing with the frustration, I gave Discover a call to try and find out the source of the issue. In my phone call I was informed that they were in the process of reviewing my information and they would inform me when my card was ready to use which I found odd because the emails I had received led me to believe that the card was already ready to be used. I was not informed of exactly what information they needed to verify nor would they disclose more information with me. I decided that I would wait for their notice that I can use the card and that was the only option, so I waited until I received a notice that my account had been closed on XX/XX/2022. The notice I had received informed me that they couldnt verify my personal information ( Which was seemingly not an issue before they opened the account and sent me the card as well as let me activate it online ) and that they would report that the account was closed by the creditor. This upset me quite a bit as I took a hit on my credit report. At the time of the account being closed I thought that was that and that nothing else could be done about it. After learning about this agency I decided to see if anything could be done to rectify this issue I have faced.
04/07/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 604XX
Web Servicemember
I charged {$2100.00} to my Discover Card, payable to the TXXXX XXXX XXXX XXXX XXXX XXXX XXXXn XXXX, CO, after signing a contract with XXXX on XX/XX/21 to eliminate a timeshare on which I am still currently paying maintenance fees. I called XXXX numerous times to determine the status of my contract with them, and finally was notified that the XXXX phone number was " disconnected ''. Emails to XXXX were returned, and their Web Site was no longer available. Finally after checking with the XXXX XXXX XXXX, I found a XXXX XXXX XXXX article that XXXX was no longer in business and that customers were attempting to get their money back from that contract. I believe that the article mentioned that the Colorado Attorney General was investigating. On XX/XX/21 I received a " Notice of Chapter XXXX Bankruptcy XXXX... '' from the US Bankruptcy Court, US Custom House, XXXX XXXX XXXX, XXXX, CO XXXX, a notice that bankruptcy was file with the Bankruptcy Clerk on XX/XX/21. No services of any type were ever received from XXXX between signing of the contract and notice of the bankruptcy. I immediately notified Discover Card disputing the charge, and requested that this charge be eliminated, and my funds returned, all on Discover 's Online complaint Site. Initially Discover returned the {$2100.00}, but after an investigation, with a letter to me on XX/XX/21 Discover returned the charge to my card, with no explanation as to why the charge was found " to be not valid. '' On XX/XX/21 I sent a letter to Discover requesting that Discover reconsider my dispute, based upon an inability to reach XXXX through any means, and receipt of the Bankruptcy notice, a copy of which I submitted to Discover. I then received a subsequent letter from Discover Card that reasons for the return of the charges to my Discover account would be mailed. To date, nothing further was ever received from Discover. There has been no notice to me of a reconsideration of my dispute with Discover, nor a reason why there has been never been a reconsideration.
11/03/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • XXXXX
Web
I suddenly got a late payment delinquency report made by Discover Bank from my credit bureau -XXXX , in the first week of XXXX. I called Discover Bank, right away and upon checking they apologised to me, and I was told that if I make the outstanding payment of {$220.00} ; the late payment report will be removed, and that I should dispute it with XXXX so that they can support it as well. But the agent I spoke to lied to me. When I reported this, they reported back to XXXX that the report was valid. This is why I am now making this complaint. I was pretty much shocked and found it unbelievable because to my knowledge I had set up a payment plan with them not too long ago when I had called about the impact of the pandemic and the need to have my interest rates reduced. The outcome of that call about two months ago was that they told me there was a pandemic hardship program that will help to alleviate that problem. But, from what I can gather, they were more interested in getting me to delinquency, because in the next billing cycle, they just suddenly report me delinquent with no credible explanation. This action had also damaged my credit report thus making me further unable to make payments or get loans. As a direct result of this problem, they caused my APR to rise to over 15 percent when trying to get a loan, something that used to be around 6 percent before the incident. Thus, the damage that Discover Bank had created is insurmountable. When this was happening, I also experienced a cyberattack against my accounts where some random payments are being transferred around and this Discover Bank situation is therefore also suspicious because it was as if someone was attempting to deplete my accounts of funds. So, I find it hard to believe that this payment issue is a random issue ; because ( s attached ) I have never had a late payment before. And then right in the middle of a pandemic, all of a sudden in XXXX, I get a hasty report of delinquency? Really? No, something is definitely fishy about this.
09/07/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30047
Web
Dear Sir/Madam, I am writing to formally dispute the accuracy of the account information being reported by Discover Bank ( Account Number : XXXXXXXX ) on my credit reports with your credit bureau. I have carefully reviewed my credit reports from XXXX, XXXX, and XXXX, and I have identified significant discrepancies in the reporting of this account. The discrepancies in reporting dates between the three credit bureaus have raised concerns about the accuracy of this information. Here are the details of the discrepancies : XXXX : Reporting Date : XX/XX/2023 XXXX : Reporting Date : XX/XX/2023 XXXX : Reporting Date : XX/XX/2023 These inconsistencies in reporting dates for the same account with Discover Bank are a cause for concern. The discrepancies could mislead creditors and lenders who review my credit report, potentially affecting my ability to obtain credit and loans. I kindly request that you investigate this matter promptly and make the necessary corrections to ensure that the account information is accurate and consistent across all three credit bureaus. Please verify the accuracy of the account 's reporting date, and if it is found to be incorrect, update the information accordingly. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. I expect this dispute to be resolved in a timely manner, as required by law. Additionally, I request that you provide me with written confirmation of the actions taken to correct this discrepancy once the investigation is completed. I appreciate your prompt attention to this matter and your assistance in resolving this dispute. Please send me a written response within 30 days of receiving this letter to inform me of the results of your investigation. Thank you for your cooperation and for helping me maintain the accuracy of my credit reports. I can be reached at XXXX or XXXX if you require any additional information or have further questions regarding this dispute. Sincerely, XXXX XXXX
07/31/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 95842
Web Servicemember
Im disputing a charge on my discover card for {$1100.00} from elite solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX because the company failed to follow California laws numerous times including misrepresentation of the product quality or services provided i attempted to resolve the issue filing a dispute with my discover card for receiving a worse product than promised. it literally rotted on my head they used illegal dangerous chemicals to put it on my head without informing me of the dangers or providing law required materials. i signed up for the product XX/XX/2022 and my card was billed that day but, i received the less than quality product XX/XX/2022 a month later.i then contacted the merchant numerous times to fix the product and was still unsatisfied they refused to refund me any time. finally XX/XX/2022 i contacted discover for a refund and dispute after numerous failed attempts by the merchant to resolve the problem or refund me i even paid more money to get it resolved and fixed and still not good and they ( elite solutions ) stopped responding and refused to refund me which i explained to discover. i paid over {$3000.00} and in the end i have returned the product to elite solutions and have not received any money back so far. XXXX dollars back and also i dont have the product because i returned it. ive ended up with nothing. i am disputing the {$1100.00} because i never received what was promised once. the pictures below show the day i received the service the XXXX coming up and other days i attempted to get it resolved the product rotting on my head stinking terribly. the owners promised to make sure i was satisfied every appointment i saw them two times of the 5 appointments i tried to get it fixed. i disputed money that i over paid and had not yet been earned by California law i am entitle to a refund based on the Beverly song act and cal civil code because in a timely manner i made an attempt to get a refund and exhausted every possible avenue in doing so absent a lawsuit which is next
03/29/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77065
Web Older American
Discover stated they issue a XXXX form in XXXX tax year. Never received document. Also, I want a letter stating the XXXX was issue. I can't be sue for the debt on the time barring account and also its uncollectible. Lastly I notice their a soft inquires every month. Why is this? I called the number provided. Discover stated before : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Discover card account ending in XXXX Consumer Financial Protection Bureau Case No. : XXXX, XXXX Dear XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ) . To ensure your concerns are efficiently addressed, your inquiry has been referred to my attention within the XXXX XXXX XXXX XXXX XXXX at Discover. We appreciate you bringing your concerns to our attention. We are unable to confirm the events as you have described them in your correspondence to the CFPB. According to our records, your account charged off with a balance of {$5200.00} on XX/XX/XXXX due to non-payment. We do not have any record of you contacting us since the account charged off to request settlement options. Our attempts to collect the unpaid balance were unsuccessful. We are required by the Internal Revenue Service to issue a XXXX tax document on any balance greater than {$600.00} that we have determined to be uncollectible ; therefore, a tax document was issued to you for the XXXX tax year. We can not provide you with tax advice. If you have any questions, Discover encourages you to consult a tax adviser of your choosing. While we are no longer actively collecting on the debt, if you wish to discuss options to settle your account, please contact our Customer Assistance and Recovery department at ( XXXX ) XXXX. Thank you for allowing me the opportunity to be of service. Should you have any questions or concerns, please contact me at ( XXXX ) XXXX, Monday through Friday, from XXXX a.m. to XXXX p.m., XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau
08/21/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MD
  • 21040
Web
In XX/XX/XXXX I scheduled a one time payment that would bring my account current. Days before that payment was due I received an email from the company stating that they were taking an amount which was not the amount that we agreed on so I emailed back saying do not take any payment from my account because that is not what we agreed on. Yet days later I found out that they took it anyway. When I notified my bank they fixed it and removed any overdraft fees. Now in XX/XX/XXXX I received a message from discover saying that they received my payment and they were thanking me. I immediately called them because I had never scheduled a payment with them. When I called the rep stated that they had signed me up for automatic payments and i let her know that I did not authorize that and due to me losing my job and being homeless I would not do that. She apologized and stated that she would cancel it I let her know that this was going to put my bank account in the negative and I didnt want that she said that there was nothing that she could do. I went into my bank and let them know that a transaction was probably going to come through that I did not authorize and they stated that they would keep an eye out for it. Well after days had passed I got an alert from my bank saying that my account was in the negative and I immediately knew why. I reached back out to my bank and she tried to file a claim but since it was rejected she said that she could not and that the credit card company would have to fix it which they refuse to do. I have spoken with them several times and I am getting nowhere. This all began with setting up a one time payment and discover taking it upon themselves to sign me up for autopay and now they will not fix this. After filing this claim I will be reaching out to any and every agency that I can to complain. I was even advised to reach out to them about a hardship program that they have for people that have fallen on hard times and they said that they dont have anything that can help my situation.
09/14/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 310XX
Web Older American
On XX/XX/2023 we received a telephone call from a person identifying himself as being from Georgia Pardon and Parole stating our son was scheduled to be released from prison but he needed an electronic monitor which there was not time for them to provide. He requested we send this money so they could proceed with his release. He requested {$1500.00} which I sent via XXXX off my Discover card. He then said his supervisor would send the request for me to pay. When the request came through, it was for {$1600.00}, and I did not catch the discrepancy before approving the payment. When this transaction went through, I was told they could not just make an adjustment, I would have to send the payment again for the correct amount and they would refund the incorrect amount. His supervisor again sent a request to XXXX for the correct amount and I authorized the payment. I now have two charges on my Discover card, {$1600.00} and {$1500.00}, which includes a transfer fee. The caller then stated this payment did not go through and requested I purchase a XXXX XXXX reload card to send the money. I was told this amount would also be credited back to my account. I sent my wife to XXXX and she had to purchase three XXXX XXXX cards at {$500.00} each. I have disputed these charges with XXXX and Discover. I learned this was a scam the same day and disputed the charges with XXXX and Discover. I canceled my Discover card and requested a replacement the same evening. I just received the decision from Discover that I will be responsible for these charges because I authorized the charges even though Discover acknowledges this is a scam. This is a scam that is being used to defraud families of incarcerated individuals. I am XXXX XXXX XXXX and XXXX. This constitutes elder abuse and I should be refunded my money. I have not received any merchandise. I have filed a police report that can be provided if needed and have included an attachment describing this scam. Discover should reverse these charges and remove them from my account.
08/13/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • CA
  • 91214
Web
According to documents provided by Discover Card for Complaint ID XXXX submitted on XX/XX/XXXX to the Consumer Financial Protection Bureau ( CFPB ), my account was created on XX/XX/XXXX. The document can be found HERE. I lived at XXXX XXXX XXXX XXXX, XXXX CA XXXX from XX/XX/XXXX-XX/XX/XXXX, a total of 11 years and 8 months. Despite knowing my correct address located at XXXX XXXX XXXX XXXX, XXXX CA XXXX, notice was provided to XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX on XXXX. The document can be found HERE. Service was then sent to another incorrect address located on XXXX XXXX XXXX XXXX, XXXX, CA XXXX on XX/XX/XXXX. The document can be found HERE. On XX/XX/XXXX my personal information was submitted to a " XXXX XXXX '' located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Proof of Service can be found HERE. At no time did I live at ANY of those addresses. My correct address was on file. A copy of my utility bill from that time frame validating my residency can be found HERE. XXXX XXXX failed to served notice and used court processes for the purpose of intimidation and to undermine consumer protections. My consumer rights were eliminated to secure a judgment without due process with the intent to commit fraud. Within recent months, I have discovered the extent of this abuse after extensive research. I have suffered emotional duress and damages because of the illegal activities committed by Discover Card. The aforementioned facts have been taken directly from XXXX XXXX Court Records Case No. XXXX and from CFPB Complaint IDXXXX. Please note Discover Card via XXXX XXXX XXXX committed the following documented violations : Violation Statute Date ( s ) of Violation Illegally Informed a Third Party of My Alleged Debt [ 15 USC 1692c ] 805 ( b ) 3.01.2016 5.11.2016 6.01.2016 2.14.2019 Failed to Send a Written Debt Validation Notice [ 15 USC 1692g ] 809 ( a ) 1.08.2016 7.06.2016 1.08.2016 Continued to Collect on the Debt before Providing Verification [ 15 USC 1692g ] 809 ( b ) 1.08.2016 7.06.2016 1.08.2016
02/28/2017 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • DC
  • 20003
Web
I have a {$2000.00} student loan currently in repayment from Discover Student Loans. The loan application lists XXXX/XXXX/XXXX - XXXX/XXXX/XXXX as the period of enrollment but otherwise includes XXXX personal information detailing that this was a loan taken out on my behalf. The loan application also has co-signer denied but I am sure that I did not apply for nor receive disbursement of the loan. The loan application also features no information about an interest rate or origination fee. There is also a discrepancy between the principal balance on the loan application and the statements that are available online. The loan amount says {$2000.00} but the principal amount on the most recent statement says {$3000.00}. To date, I have made {$1000.00} in payments on the loan. However, I have never received a promissory note or any other communication from Discover Student Loans regarding this loan, except for multiple phone calls harassing me to make payments in a time where I was financially unable to do so. According to Discover, information that they 've received from the XXXX XXXX XXXX says that I graduated on XXXX/XXXX/XXXX but they would not confirm the institution from which it says I graduated. This is also inaccurate, as I did not receive my XXXX degree until XXXX/XXXX/XXXX. Furthermore, the customer service agent told me my loan entered into repayment on XXXX/XXXX/XXXX even though I received no communication about a change in status of the loan. I am currently experiencing the same issue, as my loan has entered into repayment only 2 months after my completion of my XXXX degree. Additionally, when speaking to customer service I was provided misinformation by two separate agents regarding my payment due date and my payment amount. I was also told that my payments were past due when they are not. Discover Student Loans has been a terrible servicer of a loan that I am unsure that was ever applied for or received and the customer service that I have received thus far regarding this issue has been abysmal.
02/02/2017 Yes
  • Credit card
  • Credit line increase/decrease
  • NY
  • 142XX
Web
XX/XX/XXXX I received an offer to apply for a Discover credit card in the mail. My family and I were going on a trip to visit family in XXXX so I thought it was perfect timing as I could use the card for expenses. At that time, I had a credit score of about XXXX according to Discover and was given a credit limit of {$5500.00}. Unfortunately, due to a inaccurate negative credit reporting by XXXX, XXXX my credit score was lowered substantially. As of XX/XX/XXXX XXXX, XXXX has agreed to remove any and all negative credit reporting from XX/XX/XXXX through XX/XX/XXXX. This was the only negative item on my credit reports. Once Discover was notified that a recent approval 's credit score had been lowered they decreased my credit limit from {$5500.00} to the current balance which was approximately {$2000.00} ( hotel in XXXX and an XXXX ). Now my credit score has been hurt even more because this Discover Card reflects as a " maxed '' out credit card on my credit reports. I understand Discover has to do their due diligence but this was just a snowball effect that I lost sleep over trying to stop that began with the incorrect and inaccurate negative information reported from XXXX, XXXX. I am not in financial despair. I actually received a pay raise from my employer this week, an employer that I have spent 10+ years with. Also, to make matters worse I received a call from Discover asking about my financial well being since I had a maxed out credit card. This was disheartening. Although polite, the Discover Card representatives did not know how to handle the situation once I explained it. Their only direction provided was to apply for an increase. Obviously I did not do this as it was just cause continued problem. I understand the financial world. However, this was not my fault and reducing my limit only made my situation worse. I am a honest customer. I am a loyal customer. I always pay my bills. I have never and will never file bankruptcy. And most importantly the situation that caused all of this was not my fault.
07/30/2016 Yes
  • Credit card
  • Other
  • MN
  • 55119
Web
I am using discover credit from past seven months. First couple of months it was all good, however thereafter I started facing some or the other issues like unauthorized debits, deducting the same amount twice etc. XX/XX/2016 I really had a horrible experience with them. I activated an auto pay option that on XXXX of every month the amount should get deducted from my checking account. XX/XX/2016, instead of XX/XX/XXXX they deducted it on XXXX XXXX 2016 because of which it got returned as funds were not sufficient. When I called the customer care they confirmed that it was purely technical error and they will represent it as per auto pay date. Surprisingly they represented it again on XXXX XXXX however I had funds so the transaction was completed. Now comes the bigger shock for me, as they deducted USD XXXX without informing me from account on XXXX XXXX 2016. When I called the customer care, they tell me that they had sent a cheque of the same amount to me. I did not receive any cheque till date. I never understood as to why a cheque is sent when I have n't asked for it. I had to ask them to reverse it as I was managing my credit score well and this heavy outstanding will hit it badly. They out rightly said they will not do it. I had to speak to one of the supervisor about this and she said she will raise a case but it may take 3 to 5 days. When I tried to confirm the date, she says it may happen and so please keep checking your account and inform us.. So by end of the month my statement will show higher outstanding for the amount that I have not used, impacting on my credit score. Above all creating mental torture for me and increasing my XXXX XXXX. The service is pathetic and every month they debit more for the reasons best known to them. DISCOVER CREDIT CARD service is worst and they are good for cheating people. Never ever go for this card as they debit without informing and if you miss the transaction, your money is gone. I faced such cases in a very short span of time. I can share more like this.
03/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • KS
  • 66049
Web
I wrote a letter to the discover corporation informing them that I would like them to cease and desist the reporting of my non public private information to the credit reporting agencies. On XX/XX/ I recieved a response stating that they are REQUIRED to report my private information to the ( CRA 's ). There is no such law stating that ANYTHING has to be reported to any ( CRA ) in fact 15 usc 1681a s ( 2 ) ( i ) states in the construction of a consumer report excluded should be '' information solely as to transactions or experiences between the consumer and the person making the report ; ''. Furthermore according to case law FTCvsXXXX its determined that ( CRA 's ) are so intertwined with the banking system that they are considered financial institutions and governed by the gram leach bliley act under this act for two financial institutions to share information they are to provide me a privacy notice and an option to opt out of the sharing of that information. upon calling the number to speak with a " knowledgeable account manager XXXX from Delaware '' she informed me that there was no such option to opt out and that company policy requires the policy and the only way I could speak to the legal department was if I was a lawyer my self. this company is both liable for willful and negligent noncompliance. " 15 U.S. Code 6802 B optout ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''
03/07/2017 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • NM
  • 88012
Web Older American
In XX/XX/XXXX Discover Card called my number several times claiming to alert me to identity theft. I also received a letter dated XX/XX/2016 stating that Federal Law requires them to verify and record all information that identifies each person who applies for credit. I did not apply for credit from Discover Card. Their letter required me to call their Fraud Department and suggested I notify the XXXX credit agencies. I called and asked for a copy of the application and I was told I had to " prove '' who I was by sending certain documents, including a police report of identity theft. All these I did. I also sent a letter dated XX/XX/2016. Still I did not receive the copy. I began calling asking for the report. I was told that it was " in archives ''. I asked why it would be in archives if we were currently working on it. I was told it would only take anywhere from 24 hours to two weeks to bring the document out of archives and send it to me. I called in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and talked to various individuals, all of whom told me the document was in archives and they would bring it out and send me a copy. On XX/XX/2016 I spoke with a supervisor, XXXX XXXX who once again told me the application was " in archives ''. I asked how that could be since I had been calling for two months. He said he would take care of it. But no. I called on XX/XX/XXXX, and was told one day. I call on XX/XX/XXXX, XX/XX/XXXX and talked to XXXX in Utah, XX/XX/XXXX talked to XXXX and finally was transferred to the " security department '' where I talked to XXXX, and was told that they " never received the documents. '' This makes me very concerned. Discover Card initiated the call and the letter and the fraud alert. Yet, its representatives have consistently given me the proverbial " run around. '' I believe that someone within the organization is perpetrating this scam, but I doubt that I will ever get to the bottom of this. I do not believe that in the entire nation I am the only person who has encountered this.
10/13/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other service problem
  • IL
  • 60647
Web
I submitted a complaint that was closed unexpectedly. I received a letter saying it was closed because the CFPB believed it may have been submitted by someone else. It was not. I am resubmitting my complaint for consideration. On XX/XX/2022, Discover Bank restricted access to the XXXX payment service to all customers who enrolled after XX/XX/2022, which includes myself. They did so with no notice and the method by which they set up this restriction immediately blocked my ability to use the XXXX service with any financial institution. I also have accounts with XXXX XXXX and XXXX XXXX and immediately after Discover 's actions I was no longer able to use the XXXX payment service through any of them. Having access to XXXX is more than a simple convenience, as I have signed a lease agreement for my home in which XXXX is the agreed upon payment method. I immediately contacted both XXXX XXXX and Discover Bank to attempt to resolve the issue. Discover Bank said they are not offering XXXX at this time and insisted ( wrongly ) that their actions would not cause problems at other institutions and also insisted that I work with my other banks to resolve the issue their. So, I immediately began working with XXXX to find a resolution. Several customer support tickets were entered on my behalf after various phone calls. On XX/XX/XXXX a ticket was entered that was escalated to an internal team and I was advised I'd receive a solution in 5 business days. I have continued to follow up on a regular basis and am told that the company is still doing research on the issue and has no updates. I find myself in a situation where Discover advises I contact Ally, Ally advises I contact XXXX, and XXXX insists these issues must be handled through the bank. All the while, being put in a situation where I am denied access to a service by no fault of my own based on an arbitrary date of enrollment at a particular company. It is also affecting my ability to meet the agreement made with my landlord to make payments through XXXX.
05/27/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 91304
Web
Around XX/XX/XXXX or XXXX my teenager son son wanted to buy used XXXX headphones he saw advertised on app called XXXX & started talking to XXXX XXXX the seller. The seller was telling my son to use XXXX to pay him & when I asked my son why cant you pay him through XXXX he said seller cant accept payment from that up. I got a bad feeling about this whole transaction but I agreed because my son was very excited about getting these headphones & he has XXXX so I help him with purchases. Now I had messages on messenger with the seller & he got paid through XXXX & he said he would send the tracking but never happened & he ignored messages. Now I disputed the transaction with XXXX and now XXXX rejected because theyre saying we violated the XXXX policy by paying a vendor through friends and family so theyre blaming us & rejecting the claim. The crook got paid & we are out of & {$100.00}. Our credit card company Discover is not protecting us and XXXX is taking sides with the crook who swindled us & we broke the policy. First able when we made the payment through XXXX we didnt know XXXX was involved and XXXX didnt show the details of the transaction. Now both Discover & XXXX is rejecting this online scam as treating it as its our fault & we are liable for the payment. XXXX also didnt help by saying its friends & family transaction. I asked them to investigate this guy and report him to authorities & I doubt they did anything. I dont want to be resposible for this charge & I want it taken off my account. This is an online scam & he is praying on people like my son who has XXXX. Plus not everyone out there knows these apps like XXXX or sending money on XXXX is like cash where there is no tracking it or crooks like this use it to their advantage. XXXX and Discover dont offer any consumer protection when scams like this are going on. Im sure we are not the only ones. Plus XXXX & XXXX charged around {$4.00} in fees which Im sure there is insurance that protects them during fraud cases. Im out right now {$100.00}.
12/27/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91405
Web
Over the past year, I have been proactively identifying and disputing accounts and personal information that was fraudulently opened under my name and social security number without my knowledge and consent. There is one particular creditor, Discover, that currently reports to of the credit bureaus ( XXXX and XXXX ) and will not cooperate to help me remove this unauthorized and fraudulent account off my credit report. I have consistently dispute with proper documentation as supporting evidence of this account being fraudulent and cause due to a case of identity theft. However neither credit bureau has properly investigated and removed the account, which is required in a situation like this, specifically because theres undeniable evidence which I have sent multiple times to both XXXX and XXXX as proof. Discover continues to update the account as valid, which is wrongful action to take. There is nothing on the account to validate, it simply does not belong to me under my name and social security number. Ive never opened an account with Discover under my name. It has severely hindered my financial abilities and outlook, specifically pertaining to my credit. To make matters worse, XXXX deleted the account only to reinsert the account a month later and this occurred in XXXX. It was done with no explanation and they did not provide any documentation as to why the account was reinserted and no notice was sent to my residence. XXXX also has been unwilling to cooperate and simply remove an account that is not mine. I am praying that this platform allows for a consumer like me to not be taken advantage and be punished financially for something that does not belong to me in the first place. I have placed fraud alerts on both credit bureaus, I have sent in proper and detailed documentation to support identity theft and this account being fraudulent and no proper action has been taken. I am hoping I can get this resolved as soon as possible, as it is critically affecting my credit and ability to have options.
10/18/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • TX
  • 77057
Web
I have reasonable cause to believe I have been extorted! I have been abused and deceived by " Attorneys '' at XXXX XXXX XXXX, XXXX. in XXXX XXXX, Texas, including but not limited to, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, & XXXX XXXX, are violating my rights and federal law under the FDCPA, XXXX, & XXXX, all while never showing proof of authority to be legally " representing '' DISCOVER BANK. They filed a lawsuit against me in the County Civil Court at Law No. 1 in XXXX XXXX, XXXX, Texas, for a " breach of contract '' without providing a legally binding contract. They obtained my nonpublic personal information without lawful authority and have used it to bring harm to me and my financial reputation. I have never entered a contract with these people. I DID NOT AND DO NOT CONSENT to them possessing, using, or transferring my nonpublic personal information. They, along with DISCOVER BANK, DISCOVER FINANCIAL SERVICES, etc. violated a cease-and-desist notice delivered on XX/XX/XXXX, via certified mailing number XXXX received with signature, by continuing to proceed in obtaining a default judgement against my strawman, without lawfully validating the alleged debt. Violations committed by XXXX XXXX XXXX, XXXX. are as follows but not limited to : 15 USC 1 15 USC 1692d 15 USC 1692e ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692e ( 4 ) 15 USC 1692e ( 5 ) 15 USC 1692 ( 7 ) 15 USC 1692 ( 9 ) 15 USC 1692e ( 13 ) 15 USC 1692f ( 6 ) 15 USC 1692i ( b ) 15 USC 1692j 18 USC 1028A 18 USC 241 42 USC 1983 Let the record show, I, private consumer in fact, REJECT, XXXX XXXX XXXX, XXXX. 's offer to contract. Let the record show I DID NOT AND DO NOT CONSENT to XXXX XXXX XXXX, XXXX. or any and all individuals acting under, affiliated with, or doing business with, to possess, use, or transfer ANY of my nonpublic personal information including my name, location information, telephone number, or any details regarding my experiences with financial institutions, for ANY purpose or reason, especially for unjust enrichment.
10/06/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 957XX
Web
I have applied for My Very first credit Card ( Discover ) thinking its a good way to start My credit history. I usually use of this Card for everyday expenses and mostly at XXXX. I have set auto payment monthly because i want to attain good credit history. And since I dont usually use this credit card, I just leave an auto payment per month. I rarely log in online and I have paperless billing option. Until one night ( XX/XX/2020 ) I received an email alert ( the Very first time since i have this Discover Card ), that My transaction was Declined. It was a XXXX transaction and I was shocked because I NEVER used this Card for any XXXX transaction. I only use My Debit Card. So i Logged in to My account and to My surprise, My bill was over {$3000.00} half of it was from XXXX transaction. I called right away and dispute these charges But Their decision was NOT on My favor. So i reached out myself with XXXX and they verified with me that I ONLY HAVE ONE CARD ON FILE, MY DEBIT CARD NOT DISCOVER CARD. So i called Discover again and told them about this, Few days later, I received a letter saying they can not do anything about it and they report this to the 3 credit Bureau. So, did getting a credit Card Help me achieve My goal to build a good credit history??? NOT AT ALL ... made it worst!! Wrong Choice of Credit Card company. In My opinion, Discover Card does not have a good security and protection for their clients most especially these transactions are almost like CASH transaction that needs increased security measures such as verifying the account holders TRUE Identity. I Will Never ever use this Credit Card again nor I Will recommend this. This decision made by XXXX Credit Card is XXXX. They also take part in this criminal and unlawful action. Thats why XXXX appealing to this agency to Assist me and investigate farther, something that XXXX credit company did not do. Please reach out to XXXX, look into My history .. and see if that relates to tge XXXX transaction that comes from this credit Card.
05/30/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • CA
  • 95691
Web
XX/XX/XXXX Discover Card called me to offer me a 0 % credit card for the life of the card because I have good credit. They saw that I had a XXXX XXXX with a XXXX high limit on it. They asked me to transfer the balance from my Chase card to the new Discover Card but I would have to pay a one time fee of {$3900.00} but I told them only if the limit was the same as my Chase card and 0 % financing for the life of the card would I consider. He said the limit would be the same or more. He transferred me to a manager and the manager said you only qualify for {$8000.00} with Discover card. I promptly him that I did not want to continue can you please cancel or don't submit the card he said ok. I received the card in the mail 2 weeks later the APR was 0 % until XX/XX/21 instead of what they told me on the phone which was 0 % for the life of the card as long as you pay your minimum balance on time each month in addition to that my APR would be 22.9 % after the initial period ending XX/XX/21. I called Discover and they were in the process of transferring the maximum amount the new card could hold on the account. So I asked Discover to stop it all. The Agent said they will attempt to cancel the pending transfer to the card and cancel the card all together. I insisted that they provide me with some type of confirmation number or proof that the transactions will occur but the refused to provide me with anything over the phone and there policy was to send a letter in the mail. They transferred me 3 times to different people just to tell me that the will only send me an email in 48 hrs or a letter that will come in the mail in the future. Very disappointed I feel like I was deceived right from the beginning. So in the end I believe they will charge me the one time fee of {$3900.00} and transfer {$4100.00} from my XXXX account to max out the {$8000.00} limit on the new Discover Card. Which means I would've paid them {$3900.00} just to get {$8000.00} maxed out Discover Card. This is predator lending at its finest.
06/25/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • XXXXX
Web
Discover and all 3 credit bureaus ( XXXX, XXXX and XXXX ) have been and are reporting inaccurate information on my credit report. Discover and all 3 credit bureaus have been and are reporting hard inquiries without verifiable proofs of my consents. Discover and all 3 credit bureaus have been and are reporting those hard inquiries as inaccurate information without verifiable proofs. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to all 3 credit bureaus and Discover asking about the permissible purposes of those hard inquiries and verifiable proofs of the inaccurate information. I waited more than 30 days to have the verifiable proofs from all 3 credit bureaus and Discover of their inaccurate information and I didnt receive them from all of them. Since neither all 3 credit bureaus nor Discover have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries should be deleted immediately. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX onXX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX onXX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XX/XX/XXXX: XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to DISCOVER FINANCIAL SERVI on XX/XX/XXXX : XXXX. The following hard inquiries which should be deleted immediately are : Creditor Name : DISCOVER FINANCIAL SVCS Date : XX/XX/XXXXCreditor Name : DISCOVER FINANCIAL SVCS Date : XX/XX/XXXX
08/29/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MI
  • 48076
Web
Received a statement on XX/XX/XXXX showing a minimum payment of {$260.00}. The balance of the account was {$13000.00}, of which all but the {$290.00} in purchases made during the period was part of a balance transfer offer with 0 % APR for 14 months. The statement shows no purchases were subject to an APR. On XX/XX/XXXX, I processed a payment for {$1200.00}, more than sufficient to cover the minimum plus the new purchase from the XXXX statement. When my XX/XX/XXXX statement arrived, it however showed that a balance of {$620.00} was subject to an APR of 16.49 % resulting in an interest fee of {$8.00}. When contacted, Discover 's representatives were unable to explain how and refunded the interest fee. That statement showed a balance transfer remaining balance of {$13000.00} at 0 % APR and that {$1600.00} in new purchases were made, and a minimum payment of {$270.00} was due. I made a payment then on XX/XX/XXXX ( day the statement is received ) for {$2400.00}. This was more than the minimum payment and the amount of alleged outstanding balance that nobody could explain. I then received my next statement on XX/XX/XXXX showing that I still had an interest bearing balance from purchases of {$5.00} ( which doesn't check out based on the above ) and was charged a " minimum interest fee '' of {$0.00}, but without any explanation of which balance it was being applied. I immediately scheduled a payment for XX/XX/XXXX ( next business day ) for the minimum payment plus the alleged remaining balance of {$5.00}. There were no net purchases made during this period I'll add. Only one transaction which was refunded on the same day. Discover refunded the {$0.00} in interest, but failed to explain sufficiently how the above makes sense dating back to XXXX. Maybe I'm in the wrong here, but I don't believe this is in keeping with the Credit CARD Act of 2009, which stipulates that any excess payments made ( amounts higher than your minimum payment ) should be credited towards the balance with the highest APR.
06/26/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • OH
  • 43230
Web
This complaint is on behalf of both me and my husband ( XXXX XXXX XXXX, who both own the accounts being discussed. We had a savings and two checking accounts with Discover Bank, which have been open since around XXXX. On XX/XX/XXXX, we received a notice via email that due to unusual activity, our accounts had been suspended and to call Discover immediately. I called Discover ( XX/XX/XXXX ) to inquire about the issue, and I was directed to the fraud department. Once connected, I was told that due to a business decision, our checking and savings accounts were being closed, and we would receive our balance in the form of a check via mail. I asked what the reason was, and I was told that they are not able to share that information. I asked if there was a way to appeal this decision, as these were our primary banking accounts that contain a large portion of our money. I shared that these accounts are where our pay checks are directly deposited and from which bills are paid. I was told there was no way to appeal this decision and that it was final. Later on that day ( XX/XX/XXXX ), XXXX called Discover again to ask for more information, and he was again told that there was no information that could be provided to us and that we would receive our remaining balance by check via mail. XXXX called Discover again on XX/XX/XXXX to ask for an update on the status of our check with the remaining balance, and he was told that they could not provide an update on either the reason for account closure or the status of our check. It has now been over 45 days since we were notified of the closure of our accounts, and we have still not received the remaining balance of our accounts. Totaling our two checking accounts and savings account, there should be around {$15000.00} that we are unable to access because Discover has not returned our money to us. This has caused a significant financial burden on our family. We are very frustrated with the lack of communication from Discover and with the slow return of our money.
02/24/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • OK
  • 745XX
Web
XX/XX/XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX RE : Discover XXXX To Whom it may Concern, I would like to file a complaint about I never opened nor have I authorized any one to open or use my personal information for goods or services. I filed 3 reinvestigations with Discover, I was informed that an investigation had been conducted with regard to a fraud claim I opened with there office. The disposition of the claim concluded that because the address and phone number connected to the credit card account also appear to be connected to me through public record, my credit report and other recourses, the account was found to show no signs of fraud. This is my response to that letter. First and foremost I want to be clear that I have been the victim of identity theft. Someone unknown to me has utilized my personal information to obtain and use the above referenced account without my knowledge or consent. I have never lived at, been associated with, nor do I have family members associated with the address XXXX XXXX XXXX XXXX XXXX OK XXXX. These addresses appear to be connected to me because they were used to perpetrate the fraud. I have been XXXX for the past 13 years and I am currently an XXXX at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OK. My address has been the same for the past 10 years & during my XXXX I have not had access to a personal phone number or email address. Any emails and phone numbers associated with these accounts or myself have been opened without my knowledge or consent for the purpose of fraud. All payment accounts have been opened fraudulently as well. In light of this information I am requesting that a reinvestigation be conducted to verify this information so that this account can be removed from my consumer credit reports, the attached documents of my prison record, my prison ID, my SSN, A letter from the XXXX XXXX XXXX XXXX case manager, my police report. I Thank u in advanc for your time, consideration in this matter
08/19/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NY
  • 105XX
Web
I am filing a complaint today with you on Discover Financial Services who enrolled me in one of their programs Discover Protection Services WITHOUT my legal authorization when I opened up my account on XX/XX/XXXX. Their fees including interest based on this service have accrued to around {$8000.00} - {$10000.00} currently. I filed a dispute over a year ago and they only agreed to repay me {$850.00} and closed my case and shut down communication immediately. I found it absolutely unacceptable and proceeded to write 3 letters over the course of a year to appeal this - I faxed and sent to all the contact # 's I received online and through customer reps. I received ZERO response from Discover. Finally, I found an email only listed on the XXXX XXXX XXXX website for their Executive Offices and I attempted a 4th attempt to contact them. Nonetheless, I only received an official letter rejecting what I was requesting from them with a generic response. The MOST important fact in this complaint that has to be noted going forward, is that I DID NOT voluntarily ask for this. I would like it to be noted on this complaint I am filing now, that throughout this process, all my attempts to communicate with Discover is that I have ALWAYS requested them for proof to that I actually voluntarily signed up for Discover Protection Services. If you read my enclosed letters to them I provided ALL of my contact information ( which they should have had anyway ), and that I have always been available for contact so I could assist them in an investigation. A company as big as Discover certainly would have the means through basic technology - documents and call recordings, yet NOTHING was received. I have fought this since XX/XX/XXXX and spent a many time and effort to present my case but have only received unfair resolution and no one is listening. I have always paid my bills on time to EVERY creditor I have, and now Discovers negligence has caused my credit score decrease signifigantly on all my reports.
01/17/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MD
  • 21224
Web
On XXXX XXXX XXXX XXXX I received a phone call from the phone number XXXX around XXXX and they left me a voicemail stating they were from the XXXX XXXX XXXX XXXX XXXX and calling in regards to some legal documents that required my attention. They requested I call back at their direct line for XXXX XXXX ( or XXXX, couldn't hear ) XXXX at phone number XXXX. I called that number and was told that I had missed a court date on XX/XX/XXXX that I was subpoenaed for on XX/XX/XXXX. I said I never received any notice of this and never signed any subpoena papers, and knew I was not available on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or I could opt for the civil process in which I would post the bonds attached to each citation, see a handwriting analyst to rule in/out my signature on the subpoena, then get my money back. Throughout all of this they had me withdraw money from savings and checking accounts and make cash advances and balance transfers on all my credit cards. Part of this was a {$5500.00} balance transfer on my Discover credit card. Luckily, I figured out it was a financial scam before the balance transfer posted to my account so I was able to call Discover on XX/XX/XXXX and have them reverse the transaction. With that, there was a {$110.00} transfer fee that was charged to my account. I made a few phone calls and attempted to have that money refunded and was told that could not happen.
03/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Report provided to employer without your written authorization
  • FL
  • 33334
Web
I have been shopping around the past week for potential loan options for home improvements. On my credit report you will see many soft pulls which I agreed to as the websites ( through site disclaimers ) or contacts I was working with explicitly confirmed that the application or written consent was for a soft pull which would not impact my credit score. From a XXXX search, I clicked on a link and redirected to a website for Discover Home Loans. I proceeded to fill out information in the application. On the page where I must consent, one of the disclaimers that I had to agree to for them to obtain a credit report. However, I know from shopping around that obtaining a credit report does not warrant a hard pull to my credit, and I was initially cautious. Before I consented, I thoroughly browsed the site to see if anywhere they noted that agreeing to the consent form was in fact a hard pull, but there was no verbiage whatsoever that I could find. So I consented, and immediately after I got a notification of a change to my credit score. This was rather infuriating, as someone who has been pretty diligent to only focus on soft pulls, to be deceived by a site that did not fully and properly disclose that I was consenting to a hard pull of my credit. I called Discover and tried to press my case but they argued that unfortunately there was nothing they could do and I agreed to a hard pull of the credit report. However, I have a screenshot of their consent form area, and it says " obtain a credit report '' which does not by any means translate to a hard pull knowing that " obtain a credit report '' is ambiguous and could also mean a soft pull, like I have done with other lenders while shopping around. Having an education background in marketing, I find this to be a deceptive marketing practice, and I am guessing other may have had the same experience not knowing how to address this. I feel site must clearly designate whether an application will result in a hard or soft pull and a protection to consumers.
04/29/2015 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't decrease my monthly payments
  • FL
  • 32832
Web
Hello, my name is XXXX XXXX and I am a 2011 graduate of XXXX XXXX University with a student loan outstanding debt ( XXXX XXXX, Discover Bank ) of a small house in the country. The only major problem I have with that is the outstanding amount the loan company asked me to pay every month, which I was n't able to do. It 's the equivalent to a monthly lease on an apartment. This caused me to be referred to a lawyer firm to " collect debt '', XXXX XXXX XXXX to be exact. I 'm constantly being harassed that I should settle or increase my payments. Both of which I ca n't do because I do n't make that amount of money to be able to do just yet. I 've asked to be on a lower payment plan and I was denied. I 've asked what other options I have that could be worked out with me having to pay rent, eat, actually go to work to make money, etc. Nothing is really being done apart from the phrase " if you do n't increase your payments soon, there is n't much I can do. I 'm doing the best that I can, but clearly it is n't enough. The flip side to that is that I did n't land a job in the field that I graduated from. I 'm using what I did go to school for just a little bit. In all reality, I could 've just purchased software and used trial and error to figure this thing out. Now I 'm stuck paying this super huge amount of money back and the only thing I feel like was actually worth asking for a loan was the living expense that helped me get started in a new city as a young adult. At this point, I 'm sure I 've paid off that amount of living. In all reality, I do not believe that XXXX XXXX University is worth taking out this much debt unless you already have something established prior to attending. After doing research and hearing the amount of complaints with this school and the graduation rate, the proof is there. I have contacted the other student loan help ( which worked ) concerning federal loans ( subsidized, unsubsidized ), now I would like to have my private loans reviewed to hopefully get a similar result.
07/31/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • LA
  • 70458
Web
We have tried multiple times to work with Discover Card regarding our struggle to pay our bill as a result of loss of employment due to Covid causing the XXXX XXXX that I was working on to be shut down along with the next contract that I was to work on being canceled. XXXX XXXX was one of the jobs I was to be on for years to come & the shutdown not only hurt my family income from over {$270000.00} income to ZERO income. I am having to leave the country to go to work but have not had my visa completed yet to work so my income has been at a halt since late XXXX early XXXX with an odd job here & there. I have even had to file for food assistance as a result of this situation. I have tried with no luck to get a hardship from Discover they just say " oh I'm, sorry we can lower your payment to {$400.00} '' & I tell them I can't even afford the minimum due of $ XXXX how do you think I can afford this. I know that they have these programs as I have seen the info online & I even gave that info over to them & they still say the same thing with no assistance. I tell them I am trying to pay you guys something & not have to file bankruptcy but with the lack of assistance that might be the only way for me to get things done. Other creditors have helped by applying hardship for 60 months with XXXX interest & even my mortgage company lowered my monthly mortgage almost half of what it used to be. I am struggling to keep a roof over my head & my lights on, let alone try to keep my credit in good standing. I am trying not to have to file bankruptcy but, if I can't get the assistance I don't see any other way at this point. The whole world has been hit with this not just me so you would think in this unique & crazy situation that they could work with us to not only try & get them some payments but also help a fellow human being in making it a little less stressful with the lack of income especially when I am paying what I can whenever I can. I'm not trying to escape the debt but trying to pay on limited funds.
07/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07108
Web
I have this accounts that are not mine and i want them to be remove from the 3 credit reporting agencies. XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine. XXXX : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 6. Identity Theft XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX Account Number : XXXX This is not mine. 10. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. XXXX : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 9. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 10. Identity Theft XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 12. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 13. Identity Theft XXXX Account Number : XXXX This is not mine. 14. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
03/07/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 950XX
Web
A refund was issued by XXXX XXXX XX/XX/2018 to my XXXX. Refund was posted on XX/XX/2018 and appears so on my XXXX XXXX statement. Merchandise accounting for 100 % of this refund was returned in good condition to the merchant in advance of the refund. Merchandise return was verified by XXXX management and management issued a credit for {$6000.00} posting XX/XX/2018. On XX/XX/2018, XXXX weeks after posting to the {$6000.00} refund, there was an " accounting adjustment to dispute '' entered on my online history as posted. On XX/XX/2018, I verified with multiple representatives of XXXX that this {$6000.00} was NEVER a disputed transaction. It was a refund issued by the merchant for returned goods received in good condition and verified. I have spoke to over XXXX people at XXXX asking each individual who initiated this refund and to what person or entity the accounting adjustment money was going to because it is the only entry on my credit history that does not have a payee. All XXXX people at XXXX told me that they could not tell me who did this accounting adjustment or to whom the money was going to be paid? I opined that as a matter of record of any financial transaction, you need to have an initiating party and a payee. The only response I got was that they would take it under investigation. Please to not lose sight of the fact that this {$6000.00} was a POSTED transaction done XXXX weeks ago. I did not dispute or authorize any changes to this transaction and XXXX agrees but still is charging me the false {$6000.00} when I have no goods from the merchant. XXXX told me there is no record of this refund being disputed, they can not see who did this charge to me or to whom the money goes. XXXX also said there is no record of any reason in my Discovercard history of why this refund would have been reversed, yet XXXX WILL NOT even give me the basic information of who did or requested this reversal or where the money is going. Discovercard claim as this point they don't know. I question that.
02/23/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33312
Web
DISCOVER has violated my consumer protected rights. I, fully insured individual having extended an interest in my personal security as federal eligible obligation and right to credit was mistreated and harassed by the assignee DISCOVER and their deceptive, abusive and unfair practices. I have sent dispute notices to DISCOVER regarding their alleged requirement to report to third parties with consumer consent and DISCOVER has responded by changing dates generic letters as responses. DISCOVER has disgraced me the consumer deliberately in violation of my consumer right of privacy, confidentiality in their refusal of exclusions of transactions or experiences via consumer reports furnished as defined under Fair Credit Reporting Act. I spoke with account manager XXXX XXXX XXXX XXXX who alleged that the consumer had no right of privacy where third parties were concerned and DISCOVER could take consumer information and furnish it to whoever them wished. I demanded to speak to her Supervisor XXXX account managers on XX/XX/22, who after much effort to clarify the liability of DISCOVER failure to comply with STATE and FEDERAL laws that DISCOVER in effect has accepted liability and incurred itself a deficit of civil liability. XXXX stated he would escalate my complaint to executives regarding the asserted violation my right of privacy and confidentiality, in their willful dishonor of my cease communication via medium of credit reporting agencies as unauthorized publication of likeness pursing protection of State consumer protection laws as otherwise misappropriation of trade mark of collusion via invasion of privacy. DISCOVER has also misrepresented the term Bureau as defined under FCRA in their letter to deceptively assume to role as credit reporting agency themselves. DISCOVER continues to evade respond genuinely regarding the injuries they have inflicted against me the consumer. DISCOVER has engaged in illegal acts that has in effect voided the agreement. SEE ATTACHED CEASE AND DESIST NOTICE
03/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • FL
  • 33162
Web
When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards.For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
05/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • TX
  • XXXXX
Web
pened a Discover secured credit card account. I was approved and funded the card through an ACH transfer from my bank to Discover. A card is mailed to me and I am able to activate and use the card. A week/10 days in, I am asked to submit a verification document. 10 days after that, I received an email saying that my account has been closed. I called Discover to get information regarding the closure. They could provide none other than " business decision. '' I asked about recourse, next steps and why there was no adverse action notice. They had no answers other than " our current policy is not updated '' so we can not provide any information regarding the business decision. Any remaining credit balance will be mailed to me in 4 months. Why was I approved for a card and then denied with no explanation or recourse? In addition, why are they holding on to my money and collecting interest on it based upon their unilateral decision? The phone agent did indicate that I could reapply for a card. It I can reapply for a card though I suspect it would be rejected and further harm my credit score. In my XXXX complaints, Discover reviewed my complaint and cited no new information and provided no answers : They provided no adverse action notice and no justification for their decision. They must inform me of where they got their information and how it can be corrected. I received neither of those. When pressed in the XXXX complaint, Discover offered no information and subsequently the XXXX complaint was closed without resolution. They are violating FCRA as their denial of credit impacts my credit score. I have a right to know why my credit account was closed and how I can correct any errors that led to that bad decision. They do not get to have my money for several weeks while they review and ultimately cancel my credit account. As this closure negatively impacted my credit score and any subsequent attempt to reopen an account would further impact my account, they have a responsibility to disclose.
08/22/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • CA
  • XXXXX
Web
XX/XX/XXXX I requested a rolling balance transfer through the Discover Messenging portal. I was consistently refused, even though I had available credit of {$1300.00}, paid on time historically. I was referred to XX/XX/XXXX Pricing Schedule. Under 'Fees ', 'Transaction Fees ', Balance Transfer ', it states, Offer # 1, Intro Fee of 3 % of the amount of each transfer ... above. " AFTER THAT, 5 % of the amount of each transfer. ' -- This leads one to believe that 'rolling ' balance transfers are available from the XX/XX/XXXX promo offer of 14 months. Also, at the bottom is a 'cross cross ' symbol that says, 'See the terms of the applicable balance transfer offer for details. ' Well, the 'terms ' are not given, spelled out, or obvious any where in the 'Cardmember Agreement ', other than, pg 2 " How we include fees ... We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. ' and Pg. 3, 'Definitions ' '' Balance Transfer '' means a balance transferred from another creditor to your Account.= NO Where in Any Disclosures provided that 'Balance Transfers ' at 0 % are not available if Credit is Available or not rolling from the Promo of XX/XX/XXXX for 14 months. I've called several times in the last year and the 0 % for purch and balance transfers were active as rolling, expiring XXXX for purchases & XXXX for BalTransfers. Never presented as 1x 0 % offers, only 14 mo rolling offers that would expire as directlyprevious. ConsumerCreditViolations=Bait & Switch , Not Allowed to 0 % Bal Transfer until XX/XX/XXXX even though I have {$1300.00}. avail credit with missleading bal transfer credit & markting promo information. No where in any credit card info is the 0 % defined as not rolling for 14mo or missleading & a 'timed offer ', just to deny me even though I have avail credit on the card. Damages= Unable to bal transfer at 0 % from XX/XX/XXXX to the expiring XX/XX/XXXX discriminatory credit practices= I've paid more than Min Bal each month, on time & with avail credit.
11/24/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • IL
  • 62801
Web
I transferred {$150.00} through the Discover Bank to them from my XXXX XXXX account to cover two outstanding amounts, an {$83.00} check to XXXX XXXX as they do not accept debit cards and a {$31.00} autopay to the IRS for my federal taxes. I was assured by the Discover rep that all was fine. This was done on XX/XX/2023 and I received confirmation from Discover that the money would be transferred by XX/XX/2023. I then received notice the transfer had been completed on XX/XX/2023 and then another email stating transfer was completed and money was in my Discover account days ago. Then today XX/XX/2023 I received a notice my account was overdrawn. I looked at my account and the money was showing deposited but they had returned the {$83.00} check!! Which means the business will now try to gouge me for $ XXXX {$50.00} in fees!! I called and spoke with two incompetent workers who did not do a thing but waste an hour of my day repeating what I said, then said they would transfer me to a supervisor, his name was XXXX and he was even worse! He made no attempts to just release the funds and pay the check but instead remarked sarcastically it can take up to 10 days for the funds to be available and since I have had several stop payments on the account I placed ( which were due to being cheated by others ), and a few payments returned over the last 15 mo due to having XXXX income while off work on unpaid medical leave from the State of IL XXXX after working XXXX hr weeks for the last six years and pandemic, it would probably take the full 10 days! I have already checked my XXXX XXXX account and the money has been taken so it is not there, it is at Discover and he acknowledged this, but they still are not giving me access to my funds and paying the check that came through!! I closed my two other accounts with Discover today due to this and will close this one too once these two payments clear. This so called manager is a joke!! He is incompetent and only seemed happy to close my accounts after 4 yrs!
05/12/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • XXXXX
Web Servicemember
A purchase was made with our Discover card for a kit which was advertised by the merchant, XXXX XXXX XXXX, as fitting our XXXX XXXX XXXX XXXX. The kit was delivered by the merchant approximately six months after the purchase was made. We then went to our body shop for the installation of the body kit and other repairs, we were advised that this kit did not fit our vehicle. This was not the first time our shop had attempted to fit kits sold by this merchant, which did not fit. We took our brand new, unused and unusable kit to the merchant to return the defective item and requested a refund on Discover Card. The merchant flatly refused to take the item back ( mind you, the item is still brand new because it could not be used because it did not fit ) ; the item is defective and still new. We wrote to Discover on XX/XX/XXXX to dispute this item, we provided them with a narrative of what occurred and provided a copy of the estimate from our body shop wherein they had clearly stated that the kit did not fit. Discover states they completed their " investigation '' and are not resolving my dispute with this merchant. They stated that If I " find new information that I have not shared ( proof the Merchant is willing to issue a partial or full credit ) regarding this transaction, '' they will work with me. My Dearest CFPB, if I was being offered a partial or full credit, why would I be seeking Discover 's help in this? Does Discover 's request not appear irrational and non-sensical? I reached out to Discover for their help in crediting my purchase as this item is defective, sold not as advertised, which is that it fits the body of our XXXX XXXX XXXX XXXX. It does not. The merchant does not want to work with us to credit our card in exchange for the return of the item, which is unused due to it being unusable. Discover is not assisting us with this issue. Please help. We want this item credited as it is an defective item which cost {$2200.00} which is a substantial amount. Thank you.
12/09/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • CA
  • 91331
Web
Hello, I have spoken with Discover Financial a handful of times since I 've been with them. Roughly about 1 year ago I called asking them to please consider lowering my interest rate since it 's so high and it was becoming financially stressful to make the payment. My request was declined, but I was informed I would be notified in the future if I would qualify for a lower interest rate. About 3-4 months after that I received a letter that I understood informed me my interest rate would change from 16.99 % to 12.99 % as they have reconsidered the request I originally made and I would just need to wait a couple billing cycles to see the changes. Of course I was very happy and I waited a couple billing cycles but I did n't see any changes. I called discover about 2-3 months after receiving the letter and was advised by a MALE that the changes were pending but I would receive a letter informing of the changes and the amount I would be refunded since my request was being backtracked to the original date i request an interest rate reduction. The MALE i spoke with made some calculations and said i would be getting a refund of {$600.00} - {$700.00} and my new rate would be the 12.99 % as the letter stated and i was very happy to hear that. I waited and waited and I did n't see any changes so I called Discover a couple weeks ago and the first FEMALE I spoke with transferred me to a supervisor. The supervisor was very polite but she had bad news. She found the letter i mentioned to her and she said the MALE agent I spoke with provided inaccurate information. She said my interest rate increased to 16.99 % and I would not be receiving a refund at all. She did help me a little by crediting some interest but there are no changes being made to my interest rate or a refund being sent which is what I was told. This is very upsetting because I called Discover and the agent read the letter with me and explained all the benefits with interest rate reduction and a refund being sent and it was all a lie.
10/05/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • CA
  • 949XX
Web
I have several balance transfers on my Discover card. I have been doing this for years, and they have always applied my payments to the oldest transfer balance first. As I reviewed my statement this month, I realized that they are applying most of my payment amount to the 0 % balance transfer, which expires in XX/XX/XXXX, and them to the one with the highest rate, which expires in XX/XX/XXXX. That means that none of the payment is being applied to the balance with the transfer rate that expires in XX/XX/XXXX, and they are adding the interest to that balance. I asked them when they informed me of this change, and she could not tell me. I also asked if I could make an additional payment of {$1100.00} to pay off the balance due in XXXX so that I could avoid having to pay the 24 % interest on that amount after XXXX, and was told the only way I could do that would be to pay the minimum payment of {$300.00}, plus the entire balance with the 5.99 % rate ( which doesn't expire until XX/XX/XXXX ), plus the entire amount that expires in XX/XX/XXXX, which totals more than {$4700.00}. My complaint is that they changed the way the charge interest on multiple balance transfers, and did not inform me. I'm not even sure if it's legal to charge interest this way and not allow me to pay off a specific loan balance ( i.e. the balance with the transfer rate that expires in XXXX ), but I find it unconscionable. It's designed to make me unable to pay off the balance I incurred first by the time the transfer rate expires. The balance amounts subject to interest rates on my XXXX and XXXX statements are below. I made a payment of {$500.00} in XXXX. I hope you can help me with this situation. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/27/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • NJ
  • 08742
Web
We sold a home and were advised by the buyers attorney that the wire transfer was sent to our Discover Bank Account on XX/XX/XXXX at XXXX XXXX EST ( XXXX XXXX Mountain time were the wire department of DIscover/ customer service is located ). On Thursday, XX/XX/XXXX at XXXX XXXX EST we called Discover to verify receipt. We were told that the wire transfer department was closed ( it would have been XXXX XXXX MT. We called the next day, XX/XX/XXXX at XXXX XXXX as advised, they see the transfer and the deposit should appear in our account by XXXX EST. When we did not see the deposit, we immediately called and were assured it would show at XXXX XXXX. Each time, we were advised that the wire transfer was in process and we should see the money in our account soon. Our final phone call to Discover started at XXXX XXXX EST and continued until after XXXX XXXX as we spoke to one representative and her supervisor. During this conversation we were told that all the information provided to us all day was " inaccurate, and the Discover representatives misspoke, and should not have said the money was processed. If we were told this at XXXX XXXX, XXXX XXXX or XXXX XXXX, we would have immediately notified the attorney. It is now XXXX XXXX on Friday night, we were told the wire transfer was returned due to inaccurate information. When we reviewed all the information that we provided regarding the wire transfer / Discover information, it was correct, so we don't understand where the error was, nor could Discover provide this information to us. Because the money was returned, we notified our closing agent, who advised us to tell the new owners to vacate the premises as the funds did not go through. The new owner is an XXXX year old woman and her daughter. it is concerning that Discover will immediately notify us if we travel, alerting to " unusual activity '' for a {$20.00} purchase at a gas pump, but no one thought to call us about returning a check/ wire transfer for {$230000.00} because of a typo?
02/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 193XX
Web
I placed an email order with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX ) in the amount of {$100.00}. Days passed without getting a confirmation email of the order being received. I then decided to call to ensure the order was, in fact, received. I spent a ridiculous amount of time on the phone being handed off to people to finally be told they had not received the order and that they were going to place it right then XXXX XXXX number XXXX ). A few days later, I receive the items in the mail. Then a few days after that, I receive the same items again. When I called the company and explained they sent me a second order ( and charged me for it ) they said I could mail it back and get a refund but I would have to pay shipping ( which was {$20.00} according to their original charge ). I was absolutely willing to take my personal time to mail it back but I was not going to pay for the items that I did not order or pay to send them back due to their lack of organization and accuracy which obviously takes place within the company. When I called it was very clear that no one knew what was going on and when I called to resolve their mistake they were not helpful at all. At this point, I have spent several hours on the phone with this company and did not feel it was my responsibility to pay for their mistake. I then gave up and called Discover. I have been a faithful Discover card user for 21 years without a single missed payment or even a dispute. I thought my card company would help me dispute the incorrect, unapproved, 2nd charge to my account ; however they came back and said I was responsible to pay it. I do not see why I have to pay for a company charging something to my account that was not approved. I have since refused to pay the amount and they have added late fees and submitted my account as delinquent. I would like this reversed, as it was not my fault. I have also submitted the a complaint to the XXXX of the company requesting they refund Discover card charge.
02/27/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • MS
  • 39056
Web
On XX/XX/2018 a portion of my federal tax return was deposited into my Discover online checking account. I stopped using the account a few months previous due to the bank delaying bill payments for up to a week costing me late fees. On XX/XX/2018 I used one of the bank designated ATMs ( XXXX ) and was denied withdrawal and when I called to see why, I was given an explanation of suspicious activity because I used an ATM outside the city I live in ( same state ) but I have used this ATM on other occasions. Once I verified who I was, I was told everything should be fine but, it wasn't and I was still denied access to my account I tried making a purchase at the grocery store with cash back and was denied still. I called again and the representative told me there was a security freeze on my account and gave me temporary access for 15 minutes and said the freeze would be released in 24 hours. The explanations didn't make any sense at all to me so I tested the card the next day on the XXXX while on my work assignment in my own city of residence again the ATM transaction was denied and I was told that this bank designated ATM inside XXXX grocery store was a high security risk and a code needed to be entered in the system for that particular ATM. I explained that I have to travel back and forth sometimes for my job and I needed access to my account especially when on the highway. However, I did tell the rep that I would be contacting the FDIC about this.There were no pending transactions, no negative balance, and no report of a lost or stolen debit/ATM card before the federal tax return was deposited, I stopped my direct deposit from my job to this account a few months ago because of delayed transactions especially transfers. So I still don't have a valid reason for a security freeze and denied ATM transactions. The first of XXXX is in one day, and I do not want any more of these senseless issues when I have to pay my bills. Since when was an explanation required to access your own money.
04/28/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • WI
  • 53703
Web
On XXXX/XXXX/2016 I reached out to the Discover personal loan origination department with questions on whether it made sense to refinance my existing Discover personal loan or not. After a short conversation we came to the conclusion that it did in fact make sense to refinance the loan as the interest rate could be lower as well as we would shorten the term. After obtaining my permission to pull my credit and getting my income information the representative informed me that we would not be able to go forward with the loan because Discover does not lend more than {$31000.00} to any one individual. I would have been alright with this answer if they had informed up front that they do not loan out more than {$31000.00} for any one person but they did not. Also, the loan application was for {$17000.00}, the exact amount of the existing loan. The term refinance does not mean doubling the amount of what you trying to obtain, it means you are financing something again at a lower rate or different term. At this point I requested a manager. As soon as the manager came on the line I could tell he was not taking the situation as serious as he should have. He reaffirmed what the representative had stated and said that he would not be able to remove the credit inquiry. The only thing that I was upset about was the credit inquiry, I understand that lenders have limits on what they are willing to lend to any one person. In this circumstance the loan application should have never gotten to the point where credit was pulled. All of their employees and the system they use should recognize what application limitations are so that they do not negatively affect their customer 's credit scores with unnecessary credit inquiries. I also called back a few more times to try and escalate the situation but this came with no positive results. Every manager that I spoke with did not seem to understand the severity of unnecessarily pulling a consumers credit for loans that they disclose as not even possible.
03/21/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • PA
  • 15227
Web
I held a credit card account with Discover since XXXX. I had not used the account for more than a year -- the last time it carried a balance was XX/XX/XXXX -- but I was given no indication anything was wrong, and had even received a new card to activate, replacing my old one. I activated the card online on XX/XX/XXXX with no apparent issue, but when I went to use it the next day for a point of sale purchase, it was declined. After calling Discover on XX/XX/XXXX with my issue, they informed me the account had been closed without any notice to me. I received no communication -- not by telephone, U.S. Mail or secure message via their website -- to let me know this was the case or to give me a chance to take action and keep the account active. Discover said their policy was to open a new account for me, again, not a problem. But they said they could only offer me a credit limit of {$3500.00} on the account, a decrease of {$11000.00} from my previous limit of {$14000.00}. Their reasoning for doing so was my credit score being lower than it was previously, but the drop in score was a result of their unilateral actions stripping me of a nine-year old account and more than {$10000.00} of available credit. Any time in the past when they increased my credit limit or made any other changes to the terms of the account, I received a letter in the mail and, usually, confirmation online, as well. Even if they had kept my old account open but simply opted to lower my available credit, which would be well within their rights, isn't some form of notification required? I never missed a payment on the credit card and also paid off an {$8000.00} personal loan with their bank over a four-year term. After all that, Discover pulled the rug out from under me and put me in a tenuous position using more of my available credit than I'm comfortable doing, further adversely impacting my credit score. I'm very disappointed in their actions, and want to find out what recourse is available. Thank you.
01/19/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • XXXXX
Web
When making payments to my Discover credit card, I initially set up my pay account information with an account number that I received when I first open my account several years ago. Over the years that card has been canceled out to the fraud or other reasons, and anytime I make a payment to that account number the payment does not reflect on my account and I am charge late fees and interest. When I called Discover they tell me that I need to update my banking information so that way the payment is applied to the correct account, however no other credit card company operates this way. At one point I made a payment of over $20,000 and discover did not know the payment has been received or that they had the money until I called them and inquired about it. It wasn’t until after they connected me to their fraud department and took a look at the old account number to where they realized they had been sitting on over $20,000 of my money, while charging me interest and late fees on the new account number. This particular instance happened about a year ago, but it is happened quite a few times since most recently a couple months ago. It is also happening on the current bill cycle because I called today and my payment had not been received.I don’t think it’s fair for a bank to receive such a large payment and apply it to an account that is not being monitored. If I make it A payment to the wrong account number I can understand they would say that’s my problem. However anytime I make a payment to a closed account and it has been converted into a new card number, XXXX, XXXX, and XXXX XXXX are all able to figure out how to apply that payment automatically to the most recent account number. I believe Discover is doing something wrong by receiving payments on closed account numbers and not doing anything about notifying the consumer that they have received the money, are in possession of it, or are applying it to their account. There needs to be checks and balances for something like this.
06/27/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10459
Web
To whom it may concern : I dispute the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!
12/21/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • ID
  • 83702
Web
RE : Discover Dispute Case Number:XXXX Dispute Amount : {$58.00} Discover Card is refusing to credit my account for items that were returned to the merchant XXXX on XX/XX/XXXX and XXXX, 2020 XXXX authorized the return of a damaged electric frying pan and sent a replacement that was also damaged. XXXX authorized the return of the damaged replacement. XXXX arranged for and had both items picked up by XXXX. XXXX XXXXs own website shows the items were picked up. Although both products were delivered to XXXX on XX/XX/XXXX and XXXX, 2020, XXXX failed to record the return of the replacement item and failed to issue a refund to my Discover Card. Due to XXXX XXXX non-existent customer service, I was forced to initiate a dispute of the charge through Discover Card in XXXX. This failed to resolve the issue In XXXX I filed a separate complaint with the XXXX against XXXX. XXXX finally acknowledged receipt of the 2nd item on XX/XX/2020 and instructed Discover to resolve this dispute in my behalf. I provided Discover with all the necessary proof they requested ( copies attached ) in the format they specified including ; o XXXX dated proof of pickup receipts for both items with XXXX XXXX delivery address o XXXX dated proofs of delivery of both items to XXXX XXXX dock o Screenshot of my XXXX account showing items had been received. o Copies of correspondence from XXXX agreeing to resolve the dispute in my favor Discover has failed to consider these recent developments and has failed to contact XXXX on my behalf to resolve the dispute. Discover Card is ignoring conclusive evidence and ignoring XXXX 's instructions to resolve the dispute in my favor Discover refuses to credit my account in spite of the conclusive evidence that both items have been returned and XXXX XXXX instructions to resolve the dispute in my favor Neither I nor XXXX believe I should have to pay for an item I returned. I require Discover to remove the charge of {$58.00} from my Discover Card account. XXXX XXXX
04/21/2023 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Problem with customer service
  • CA
  • 93555
Web
I received a letter in the mail dated XX/XX/2023 from discover student loans stating that they had incorrectly reported [ my ] account delinquent to the consumer reporting agencies. The letter included a {$50.00} check for compensation. I received 2 identical letters and 2 identical {$50.00} checks. I deposited one check into my bank. My bank flagged the check as fraudulent. I was charged a {$29.00} returned deposit fee and an {$18.00} overdraft fee. When I called Discover Student Loans on XX/XX/2023 to discuss this they acknowledged the mistake and said theyd be sending out another {$50.00} check at some point that would work and asked me to upload proof of the fees assessed by my bank. I asked to speak to a supervisor. The supervisor, XXXX, said she could probably authorize a {$47.00} deposit to cover the fees and that they would send another {$50.00} check. I asked XXXX to speak to her supervisor. I requested to speak to someone who was managing this issues as my co-signer also received bad checks from Discover Student Loans. I asked if this issue was affecting a larger number of people and XXXX said it wasnt just me, it was a system error that affected many people. I asked to speak to the case manager or supervisor who is dealing with this issue and I was told that person was in the back office and I would not be permitted to speak to them. I asked to speak to XXXX supervisor and was told that they had all gone home for the day. Also, Id like to note that this phone call was on XX/XX/23 and XXXX sounded intoxicated. I found the entire experience upsetting. At this point Discover Student Loans owes me {$97.00} and has not been successful at putting me on the phone with a sober supervisor or anyone that can tell me anything other than to upload a screenshot of my banking fees and expect another {$50.00} check at some point. I find it laughable that Discover Student Loans would like me to trust them and deposit another check at some from them if and whenever it arrives.
01/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 95835
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Dear XXXX : I pulled my credit report and noticed that there are items that are not right. I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX XXXX XXXX : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it. Inquiry from XXXX XXXX XXXX : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it. Inquiry from XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it. Inquiry from XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, please remove it. Inquiry from XXXX XXXX XXXX : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it. I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. Account : XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. Account : DISCOVER BANK ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. Sincerely, XXXX XXXX XXXX : XX/XX/XXXX
07/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • NY
  • XXXXX
Web Servicemember
Discover Card, Back on or about XX/XX/XXXX, I made a payment arrangement over the telephone with Discover Card 's customer service to payoff my debt. I was instructed to pay {$620.00} to pay off my debt. I agreed to pay {$310.00} x XXXX = {$620.00} on or before XX/XX/XXXX. I made the first payment received by Discover Card on XX/XX/XXXX. The second payment was received on XX/XX/XXXX. Since XX/XX/XXXX, Discover Card refuses to send me a Debt Collection letter affirming my debt is paid in full. My debt remains open to all three credit bureaus. On XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, The Executive Office at XXXX refuses to send me a Debt Collection Close Out letter so I can have XXXX XXXX XXXX advocate on my behalf to have this debt declared CLOSED and PAID IN FULL. At various times on XX/XX/XXXX, and XX/XX/XXXX, I have been told by unsuspecting Customer Service Reps that my original payment plan " is not in their system. '' Meaning, they have no notes written in their database regarding my agreement I made on XX/XX/XXXX. On XX/XX/XXXX, I " audio recorded '' a Service Rep. admitting my last two payments received on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX when a male, service rep, " XXXX, '' who works at the Executive Branch Office attempted to feign no ignorance of my original payment plan, I told him I audio recorded my earlier conversations proving my payments were received. Discover Card does not send payment receipt records to their former customers. Instead, I got a letter showing my outstanding balance. This is how Discover Card reneges on their Final Debt Arrangements and Promises in order to circumvent the law. Discover Financial Services , Inc. and Discover Card are CORRUPT!!!!!!! They have a pending federal lawsuit filed by me. This is adding to my frustrations. They are in violation of NYS Fair Debt Collection Act. NYS and the Federal Fair Credit Reporting Act. I DEMAND my Close Out, Debt paid in full letter ASAP!!!! XXXX XXXX.
06/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08054
Web
Thank you for taking the time to read this letter. My name is XXXX XXXX, my email address associated with my account is XXXX. I am writing because there was a Discover Card account opened fraudulently in my name on XX/XX/XXXX. I was a victim of identity theft during that time, and I have a police report that proves this and I have submitted the police report through the 3 credit bureaus many times. I have disputed this Discover account for years to no avail. I even had my wages garnished for this account once it charged off even though I repeatedly stated that this account did not belong to me. I have submitted my police report on numerous occasions and Discover Bank still will not remove this account from my credit report. On XX/XX/XXXX, Discover Bank finally mailed me a letter stating that they requested the removal of this tradeline from the 3 credit bureaus. I can provide this letter if needed. Unfortunately, XXXX still will not remove this account from my credit report. I even submitted the letter from Discover directly to XXXX and they stated that they still will not remove this tradeline from my credit report. On XX/XX/XXXX, I called Discover and asked them if they would please draft another letter in hopes that XXXX would accept the new letter and finally remove this fraudulent tradeline off my credit report once and for all. The customer service rep was not helpful and stated that I would have to re dispute the fraudulent account. This made no sense to me as I already disputed this account on many occasions and Discover Bank finally agreed to have this tradeline removed as of XX/XX/XXXX. At this point, I am very frustrated, and I do not know which way to turn. I am a single mother, and I am in the process of buying my 1st home for myself and my daughter. Having this charged off account on my credit profile is hindering my chances at home ownership. I am asking for your help with requesting the removal of this fraudulent account from my XXXX credit profile.
12/15/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MI
  • 48316
Web
Over the past year, Discover has repeatedly exposed my personal, non-public and sensitive data to fraudsters, including my salary, banking and other information. In addition, without my knowledge or consent, and in a retaliatory manner for me pressing for greater protection of my information, a Discover agent disabled my profile and automatic payments, which has prevented me from making my payment which is due in less than 36 hours. Upon discovering this on my own, as I was not told my payments and profile were deleted, I called today. I was told my only option was to make a payment by phone, which would require me to release banking information over the telephone to the very department that has repeatedly failed to appropriately handle attempted frauds and protect my information. When I balked at this, and explained that I obviously did not feel comfortable, I was given no other option to avoid being late, even though Discover caused the problem. When I asked to speak with a supervisor, this was declined. She said the " process '' for speaking with a supervisor was to let people know all supervisors are in a meeting, and that I could expect a call back within two days, which is after my due date. She also seemed to act in a retaliatory manner when I mentioned I'd have to file a complaint with their regulators ( what choice do I have at this point? ), warning me she would be noting my file. Discover has repeatedly failed to follow its own basic procedures to protect my information, causing my information to be exposed to fraudsters, and has taken an active role in preventing me from making my payment timely, stating I would have to pay by phone. Given the numerous calls and hours to Discover over the last year pleading to resolve these issues, this matter has cost me. I think it is important to realize that Discover repeatedly does not follow its own security authentication procedures and exposes its customers information, as has happened to me multiple times this year.
08/17/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • SC
  • 29418
Web
In response to Discovers " position '', You discover stated " On XX/XX/2020 your account was opened as a result of an internet application submitted that same day. You first submitted an application for prequalification for a Discover It XXXX account and were preapproved, and then submitted the full application. Through this application we verified your name, address, date of birth, and social security number based on your request to open the account. " Anyone can submit an online application with whoms information is public record. Where is your signed contract with my signature? You also stated " Your account was used for local transactions '' Where is your proof that I used the card? Where is your proof that I was there for any transactions that took place on said card? Where is your proof that I was in this local parameter for these transactions? Anyone can purchase anything anywhere. Pursuant to 15 usc 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I have asked for your proof that I created transactions on the account and you have failed to validate that. You have sent monthly statements but have failed to validate with proof who made the charges and have failed to abide by the FDCPA ( Being that you have stated in multiple letters that an alleged " debt '' ( a term your company used ) is owed to your company ). Aside from you not having proof of who submitted the application, who made charges on the accounts and violating the FDCPA after positioning yourselves as debt collectors. As a courtesy I will forward all correspondence, violations of FDCPA, XXXX and FCRA that your company has violated along with accompanying federal regulations to your states attorney general for further investigation into your corporations operations and practices.
07/12/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MA
  • XXXXX
Web Older American, Servicemember
On XX/XX/2019 using XXXX I booked round-trip flight from XXXX, MA to XXXX, XXXX requesting specific dates of departure and return as well as FLIGHT INTERRUPTION INSURANCE ; told to request FLIGHT INTERRUPTION INSURANCE after the booking ; I provided my DISCOVER card for payment. BUT after booking I was informed that I could not obtain FLIGHT INTERRUPTION INSURANCE through XXXX. I immediately INSTRUCTED CANCELLATION of the flight HOWEVER XXXX TOLD ME TO CALL BACK TO CANCEL alleging need to connect to another department. I stayed on-hold for some 30 minutes with no one picking up the phone after the initial brief message to " hold & someone will be right with you. '' I therefore emailed a cancellation receiving a reply acknowledging the cancellation some 6 or more hours later. With that I considered the mtter ended. On oXX/XX/2019 I wrote to DISCOVER attaching cancellation confirmation from XXXX I However on XX/XX/2019 I receive a DISCOVER email claiming a XXXX charge of {$75.00} without stating what it was for or why. For which reason after challenging via tel-con I ordered the cancellation of my DISCOVER card and payed all amounts save for the fraudulent {$75.00}. Since then DISCOVER has acted on the threat to destroy my credi standing seeking to coerce payment of the fraudulent charge and has made it near impossible for me to ESCALATE the dispute or to provide address for that purpose and so-called customer support refuses explanation other than " vendor claims '' or words to that effect. Bouncing as " UNDELIVERABLE '' emails with documents attached. As I am some XXXX miles from the US and the XXXX Virus caused XXXX XXXX to cancel my XX/XX/XXXX return flight I have been further delayed in being able to act on this fraud perpetrated by XXXX wit the aid & wilfull assistance of DISCOVER. It has not helped that I am XXXX years old with XXXX XXXX and unreliable Internet service. Return currently rebooked for XXXX XXXX with no garantees that it may not again be cancelled.
11/12/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • MN
  • 55422
Web
I found out about a credit product available to me, for a 0 % APR deal on balance transfers, with just a fee as a % of the balance amount as the only fee. This all appeared to go through fine, and I actually had the money deposited into my bank account instead of transferring the balance directly. This was nice and easy. HOWEVER -- on my next statement, the balance transfer amount is not separated from my purchase amount. My billing statement shows a total amount of balance ( {$3400.00} ), as well as a min pay due amount of {$70.00}. What this statement does not indicate anywhere, is how much total needs to be paid to account for my purchase amounts, which would accrue interest if not paid in full, while my balance transfer amount and fee are accruing no interest until XX/XX/2020. I had a lengthy conversation with an agent online in a chat who finally stated the amount I had to pay ( for which they would negate any interest accrued ) was my purchase balance of {$390.00} + the {$70.00} mpd. It is misleading to a consumer who is not aware that the entire balance is at a 0 % apr, or having the option to indicate when making a payment that the amount you are paying down should be applied to the purchases you've made, while allowing the balance transfer amount to stay put until closer to the XX/XX/2020 date that interest will begin to accrue. It is clear that Discover is trying to swindle interest money out of consumers that aren't diligently checking their account or terms of interest by combining these two balances, not clearly stating the difference on the statement, or allowing an option when making a payment to pay off the total amount that will be accruing interest charges in any given month when a balance transfer with 0 % apr has been added onto an existing credit line. I will apparently have to continue checking in every month to have " interest waived '' and make sure I am paying the correct amount because it is not clearly stated on my printed monthly statements.
09/29/2016 Yes
  • Credit card
  • Billing disputes
  • OK
  • 741XX
Web Older American
I rented a car from XXXX in XXXX XXXX for XX/XX/XXXX. It was a Hyundai Accent, XXXX I believe. I accepted the paperwork without checking the mileage ( unlimited allowed within XXXX California ) or the license plate ; I only inspected for damage trusting they were issuing me the correct car. All was fine, I drove about XXXX miles in XXXX XXXX, returned the car on time. 3 weeks later I see {$530.00} in additional charges on my Discovercard. XXXX sends me a XXXX violation showing the car violated a toll for XXXX cents in XXXX California at XXXX on XX/XX/XXXX. I assured XXXX they had issued me a different car and asked that they check paperwork on other Accents issued the same time. I also disputed the transaction with XXXX submitting the only evidence I could find, a photo of the car, not tag, that appears blue ; a Discovercard receipt I signed at XXXX in a XXXX XXXX restaurant same Friday, and a screen shot of my tee time that same day at a XXXX XXXX golf course. I offered sworn affidavits from myself, wife, son and daughter in law, and others who would attest we were in XXXX XXXX that Friday. Discovercard would not consider anything other than the rental agreement ; their people are trained apparently to disregard any evidence other than the rental agreement. The result is if a mutual error is made, vehicles are switched between XXXX weekly rentals occurring about the same time, Discovercard leaves no way for that to be proved because they wo n't request records from XXXX. My only option is to go to court XXXX miles away over a {$530.00} dispute. The {$530.00} is {$50.00} for an admin fee and {$480.00} because they say the toll violation proves I was driving outside the restricted area. I do not believe Discovercard has conducted a " reasonable investigation '' when the only evidence they will consider is the document alleged to have been carelessly, or worse, issued. Yes I was careless in not confirming the paperwork matched the car but who would expect that to happen.
03/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AZ
  • 85205
Web
XXXXXXXX XXXX XXXX XXXX and Discover all lied to me and reported late payments on my credit report when they promised not to as I paid off the balances in full. I have the conversations recorded where they said they would not report the payments as late because I was sick qith XXXX XXXX. All of them then immediately turned around and put a late payment on my credit. Which caused other accounts to do hard pulls on my credit report without my permission or any notice which then further damaged my credit score. All of this resulted in Discover card and XXXX XXXX closed my accounts due to my current credit situation, citing a reason that was not a part of the approval process when they approved the credit lines. This did further damage to my credit report. A VERY SIGNIFICANT AMOUNT OF DAMAGE. I own my own buisness and am struggling to to keep it open. Because of all of this no one will lend me a dime and I will be out of buisness before the end of the summer 2022. This completely skewed policy or loophole that allows a lender to close your account because suddenly they are unhappy with my credit score allows them to, subsequently, do a bunch more damage to your score should not be legal. Why is there no one on the side of the consumer? No pathway for recourse? I've tried calling the creditors numerous times to get them to take it off, I've disputed this with all of the mentioned creditors with the big three agencies numerous times. This has single handedly ruined my life and my future. Getting XXXX for 2 months was not supposed to be met With financial ruin yet here I am before you, the ruined man about to be XXXX, XXXX XXXX XXXX, lose the reputation I've built around my service, and the immense amount of credit building I've been doing the last three years has been all for nothing. Thanks to all the banks and corporations who own our government. Who run our country. Who ruin our country. In the name of their greedy shareholders bottom lines. I am XXXX. Please help me.
02/16/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 167XX
Web Older American, Servicemember
In XXXX and XX/XX/XXXX, my Discover credit card had XXXX charges from XXXX, which I never purchased anything from, nor could anyone else. The website has no telephone number, no email address, and no street address or XXXX XXXX XXXX After a XXXX, Discover gave me credit for those charges. I cancelled that card the day I received my XXXX statement and asked for a new card. At the end of XXXX, I received a statement for that card and found XXXX more fraudulent purchases from the same scammer, called Discover and reported the problem. I also asked why they didn't block those charges since they should have known it was a scam ; I was told that the charges were " probably pushed through, '' whatever that means. The last of XXXX, I received a statement from my XXXX credit card, which I have never used or activated, that was for XXXX {$160.00}. ( I never received a statement for XXXX or XXXX ) So, someone in Discover activated my card. In late XXXX, that same credit card statement now said I OWED {$110.00}, and the company had transferred those XXXX fraudulent charges to the card. When I again called the fraud unit at Discover, a XXXX told me that I had told them that the charges were legitimate - at that point I told her that was NOT true. Then XXXX said an investigation was ongoing! I called again, talked to another fraud XXXX, and was told I now owed {$11.00}, yes, {$11.00}. She also told me I had not paid for XXXX purchases from last summer and that Discover double credited me, that was why they didn't owe me. If I owed money from last summer, why didn't they bill me in XXXX or XXXX, charge me a late fee, or transfer those charges on the XXXX bill? Why wait till XX/XX/XXXX? I also received a threating email before I called on XXXX XXXX that Discover would report me to the credit bureaus if I didn't pay them the {$110.00}. by XXXX XXXX Something is seriously wrong. Oh, yes, I always pay the total bill each month, and have done that for the many years of having the card.
09/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 34606
Web
The following corporations XXXX XXXX, XXXX XXXX XXXX, and Discover Bank are reporting income to the top three credit reporting agencies, XXXX, XXXX, and XXXX. Income is not part of any XXXX, XXXX, or XXXX credit reports. This needs to stop immediately. According to XXXXXXXX XXXX own web site It states ( see provided upload ) " Your credit history does not include income information. And according to the IRS web site publication 525 and 4681 ( see provided uploads ) The IRS clearly makes it known that 1099c is to be considered income to be reported on tax returns as such. And as such income is not and can not be a debt therefore income can not be reported to the credit reporting agencies. I have uploaded the proof of income 1099C along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. XXXX XXXX XXXX XXXX XXXX and Discover Bank must remove, delete all income from being reported to my credit reports In summary it is abundantly clear to all parties, that the IRS considers 1099C cancelled debt to be reported as income and accordingly the credit reporting agencies as well as XXXX XXXX XXXX XXXX XXXX and Discover Bank themselves should not be reporting income.. See below more clarification regarding the fact that income can not be reported to the credit reporting agencies, ie 1099c being income to be reported on tax returns Can income be reported on credit report? Income isn't even on your credit reports so it can not be considered in credit scores because credit scores only consider what's on your credit reports, XXXX explains. In fact, no wealth metrics are factored into your credit scores. What information Can not be included in a credit report? For example, a credit provider might ask you for information about your income when you make an application for credit. The credit provider can not give information about your income to a XXXX to be included in your consumer credit report
11/05/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NV
  • 89031
Web Servicemember
I am writing to you in order to gain some knowledge and understanding about the process of charge-offs and its relation to the IRS. A credit card company did a charge-off of an old debt that was 15-20 years old, unbeknownst to me. I never received any notification that this debt had been charged off until the IRS sent me a letter telling me that I now owe them money due to the charge off that occurred back in XX/XX/XXXX. The delinquent debt occurred during the time I became unemployed back in XXXX and took 1+ years to find another job. During that time I made every attempt to set up payment plans with my creditors, but they all told me no. I was receiving unemployment benefits and used my retirement fund and savings in order to take care of myself and my young daughter. I had to pay my mortgage, so the credit card companies were not able to be paid enough. I informed them all of my unemployment, but it made no difference. They continued to add fees and charges onto my accounts. These events occurred back in XXXX, but the charge off of $ 10k+ occurred in XX/XX/XXXX. The credit card company never notified me nor did they ever tried to alert me to a charge off of debt. I am not blaming the IRS, and I have already contacted them to let them know that I was not aware of the charge off, and that I would do everything in my power to accommodate them. The IRS advised me to do some further investigating prior to submitting anything to them. I would like to understand how or why a charge off of an old outdated debt could happen 10-15 years later. Please provide me with additional information about this and also please let me know if I'm responsible for the payment of this tax fee to the IRS for this charge off. Any assistance or advice from you would be greatly appreciated. Thank you so much for your time. I look forward to hearing from you soon. Also, I will let the IRS know that I have been in touch with you regarding this situation. Thank you again. Please enjoy your day.
01/17/2016 Yes
  • Credit card
  • Credit determination
  • NY
  • 105XX
Web
I fell behind on my credit cards, I then searched for a deby consolidating firm, find one all is well making payments, then the bank failed to pay the consolidating firm urging they did not recongnize their bank. No word this happened until I get multiple documents opened and my social plastered all over the documents from a law firm I quickly recognize the lawyers, whom I had a problem with 9 years ago. I send six emails then called Debt consolidating firm after. I try to resolve. I then send a complaint to XXXX and they stop the harrassment. I send the lawyers a cease all notices to my home. I explained to XXXX that I was harrassed and threatened with jail 9 years ago and since that was their tactics I did not want them to do it again. The lawyers responded with " we do not harass I just refuse to pay, and that they were within their right to persue me. I never stated that the harrassment was recent only that my dealings with them prior to this was indeed harrasment calling me at night on the weekends and the threat, was prior to this current situation and that I did not want that to happen gain. I will forward all docs to you via mail. The lawyers are XXXX. based in XXXX. I went to a lawyer for a free consultation ( XXXX in XXXX XXXX XXXX ) who asked me to forward a letter to each creditor asking for them to re visit my balance and allow me to pay {$25.00}. I am not trying to get out of it I am trying to make it right. All I ask is that they respect my right. They are after me and it id personal because I filed several complaints. This is not fair and they continue to send notices to the wrong apartment even after I gave them my correct name used and apartment number. I am in the middle of a seperation that is painful enough. I am looking for anaffordable apartment and I have a XXXX year old to contiue to nurture and be ready for college. If I were trying to not pay I would have claimed bankruptsy like the rich. I want to settle and pay off my debt. XXXX XXXX
10/21/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Unexpected increase in interest rate
  • MD
  • 21212
Web
A few years ago, I took a cash advance out on my Discover credit card to pay an employee. I knew the interest was higher but was unaware of Discover 's scheme to raise the balance of the amount charged the higher interest rate. To keep it simple, I noticed the amount seeing the higher interest rate was about double what I borrowed for the cash advance. I called Discover and asked their reps about what I thought was happening and they assured me the cash advance balance was not increasing. But, it was. After several more phone calls, I realized what Discover does. If I have a {$5000.00} balance, {$2500.00} cash advance and {$2500.00} purchase balance, and make just the required payment every month, Discover takes the payment and applies the entire amount to the purchase balance. Then, they take the interest and apply it to the cash advance balance so that, over time, the entire balance could be charged the typically much higher interest rate. This was not made clear when I took the cash advance. It was not made clear when I called the call centers. In fact, the call center reps found it impossible in many cases, to explain the process and it wasn't until I finally reached a supervisor who confirmed what they do. I said I felt I should get some kind of a refund of the interest charges and that I would record the phone calls to prove that even their own reps found their process confusing. I was told I would not get the refund I wanted and that I, under no circumstance, would be given permission to record their conversations. But, I now have a balance of about {$5000.00} and the entire balance is being charge the interest rate of close to 30 % and the required payment is actually lower than the total amount of interest being charged. So, the balance is growing every month. While I would typically pay it off immediately after realizing this, duri ng the pandemic I have limited funds and feel this is an unfair and unclear scheme to get more money from their customers.
03/15/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 34741
Web
I have had a credit card with Discover for several years and for the most part have made the monthly payments with the same savings account until sometime in XXXX or XXXX of 2017, I called in the payment received my confirmation #, the following month I again called in a payment only to be told that I missed the last payment, so again I gave them permission to submit the payment to my acct and received a confirmation number only to find out the next month that again the payment was declined by my bank due to Discover not submitted the information accurately, turns out that one of their employees made an inputting error which was just allowed to continue with no attempt on their end to find out why 1 month the payment goes thru and the next it is declined given that both attempts were made using the same saving acct and routing number. This is unacceptable and I have done everything they asked me to do including calling Discover to have Discover make a 3 way call with me bank to verify the account number routing number are accurate as well as there are sufficient funds available to process the payment and somehow they still found a way to make the same mistake again, the level of incompetence on their part is not acceptable and this matter needs to be handles asap. I have asked that any and all correspondence by made via e-mail for my protecting given that everything they have told me has turned out to be 1/2 truth or an outright lie, they declined my request, so as far as i am concerned I have done everything they asked me to do and in return they have done nothing they said they would do, This is by far and away the worse company I have every come in contact with, i blows my mind to thing that such a large company has such poor training and customer service. I have another credit card with another company and they seem to be able to process the payments just fine. they need to take responsibility for their mistakes and do want ever is needed to make things right.
10/05/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • XXXXX
Web
On or around XX/XX/2020, I initiated a dispute with Discover regarding a transaction in the amount of {$3000.00} from XXXX XXXX as a result of receiving a defective product. Essentially, the merchant did not provide me with what I ordered - a defective free product ; specifically, a sectional sofa. Nonetheless, Discover apparently closed the dispute according to my online account, but did not send me any correspondence or consider the information that I mailed to their post office box in lateXX/XX/XXXX - illustrated by the Return Receipt attached. To date, Discover representatives allege that they did not receive the documentation despite the fact that I have the attached return receipt. I called on or around XX/XX/2020 to follow up on the dispute as my online account reflected the dispute was closed. I requested to speak with a supervisor and was told one would get back to me within 24-48 hours. To date, I have not received a call back from a supervisor. I again called on XX/XX/2020 to check on the status of my dispute. I was told to fax in the supporting documentation which I did. I followed up again on XX/XX/2020, and spoke with a representative ( XXXX ) who communicated that the charge was still in the dispute phase and it would not go back on my account ; however, the charge is now back on my account. XXXX alleged to be a supervisor and assured me that he would monitor my account and the charge would not go back on my account. Today, XX/XX/2020, I spoke with XXXX ( XXXX ) who alleged to be a supervisor who communicated that they don't have any of the documentation I submitted. Ultimately, she was ineffective at communicating and did not resolve the matter. When I asked to speak with a supervisor above her, she alleged that none were available and nothing can be done about the transaction in question with no documentation confirming that the merchant promised me a credit. Ultimately, with that logic - Discover should not have disputed the transaction.
02/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77449
Web
Texas XX/XX/XXXX XXXX XXXX XXXX adding removed accounts back on with notice https : XXXX scaring me to sue is against the law discover XXXX XXXX XXXX XXXXUnder the FDCPA, a debt collector can not threaten to sue you to force faster payment of a debt. More often than not, when a collection agent or lawyer threatens to sue, it is to frighten you into making larger payments or establishing an impractical and financially infeasible payment schedule. Tax Liens Removed From Credit Reports Tax liens used to appear on your credit reports maintained by the three national credit bureaus ( XXXX, XXXX and XXXX ). Even if you paid the lien, it stayed on your reports for up to seven years, while unpaid liens remained on your reports for up to 10 years. In XXXX, however, all three credit bureaus implemented changes to eliminate civil judgment records ( notes that a consumer owes debt to a court because of a lawsuit result ) and half of all tax lien data. By XX/XX/XXXX, all tax liens were removed from credit reports by the bureaus. The updated rules are the result of a Consumer Financial Protection Bureau study that found issues with reporting such information correctly. " A lot of judgments and liens were linked to the wrong people, so someone may share your first and last name, maybe live in a different part of the country, and they might have a lien or judgment that might get linked to your file, '' said XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX at data firm XXXX XXXX XXXX, in XXXX XXXX. How Will the Tax Lien Change Affect My Credit? According to XXXX XXXX XXXX, only about 11 % of consumers will see a change to their credit reports as a result of this action, and scores could increase by as much as 30 points overall. However, the XXXX XXXX XXXX XXXX, which represents the three credit bureaus, said in a statement in XXXX that " analyses conducted by the credit reporting agencies and credit score developers XXXX and XXXX show only modest credit scoring impacts. ''
03/10/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • SC
  • 296XX
Web
I opened a Discover Secured Credit Card on XX/XX/XXXX. I made my security deposit on XX/XX/XXXX. I have never been late on my payments and my credit report shows I was always in good standings. I went to go apply for a student discover card recently on XX/XX/XXXX and I was denied due to the status of my existing account. I received a letter stating that my account was closed due to non-verification. I called the number listed on the letter and after several transfers and multiple agents, I get to the verification department that stated that my account was closed on XX/XX/XXXX, because I never submitted a copy of my XXXX taxes to them for verification. I asked how I could go about submitting the documents now, the representative told me that they could not reinstate my account or accept any verification at this time. He also stated he could not tell me how long this STATUS would appear under my name preventing me from opening any account with discover. That at this time they can not assist me because of the status of my previous " IN GOOD STANDING '' account. I never received a letter in the mail or an email about this verification process. I asked to speak to a supervisor regarding this matter, they told me they were too busy to take my call and that someone would call me back in 3 days. I still have not heard from anyone and that was a week ago. I am in shock that discover would do this and that no one has been able to help me reinstate my account. My score dropped tremendously due to them closing my account and the remark on my report is beyond absurd, because I have proof that I was never delinquent on my account. The representatives in this department are rude and unhelpful. Discover is known for their customer service and being all about their clients, but with this experience I would not recommend them at all. I have other credit cards and I have never been asked to submit my taxes for verification? I would like for someone to help me reinstate my account.
02/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • FL
  • 33426
Web
On XX/XX/2019 at XXXX am I reported the Fraudulent use of my personal Identification and information to the XXXX XXXX Police Department. XXXX XXXX ( XXXX ) completed the report and XXXX XXXX ( XXXX ) approved the report. At the time of the report I was being harassed online by someone who was changing all of my username and passwords to bank accounts, XXXX, XXXX, XXXX XXXX, XXXX website builder accounts, my email address and my XXXX account. The thief started to text me with demands for me to complete in order for him to stop. I checked my credit and notice several accounts that I did not apply for and noticed a different social security number attached to my XXXX, and XXXX report. The accounts in question that still remain to be an issue are DISCOVER, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. I filled out the FTC report number XXXX and sent a copy to XXXX, XXXX, and XXXX. XXXX promptly responded to the fraud and removed the accounts in question. This complaint is against XXXX and XXXX. For the past 3 years I have been submitting dispute after dispute to XXXX and XXXX concerning DISCOVER, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. These disputes on the XXXX side keep coming back with the comments as " AMOUNT IN HIGH CREDIT IS ORIGINAL CHARGE-OFF AMOUNT. The dispute was for fraud and some how they keep trying to verify a debt which is not the disputed part of the claim. Apparently a computer is doing all of the work and no one is paying in attention for the pasXXXX XXXX years. I recently furthered my investigation into these accounts and found multiple reporting errors. Discover reported the debt as first being delinquent on XX/XX/2019 and on XXXX of 2019. They also report the account as having an available credit of $ XXXX. How can a closed charge off account report as available credit on any report. No accurate responses to my disputes from XXXX or XXXX. Instead I just keep getting generic computer generated responses.
02/23/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98225
Web
On XX/XX/XXXX, Discover bank underwent announced maintenance on its debit card systems. The message users received about this for weeks before it happened was that the maintenance would take place overnight, and that it would not affect transactions. That morning, several hours after the maintenance window, I tried to use my debit card and it was declined for insufficient funds. I called Discover Bank, and they had no idea why my card wouldn't work, though they thought it was because my card was expired. " Are you sure you aren't using an older card? '' I don't have an older card. They told me there was no reason my card was being declined, and I should try again. I did, and it was declined again. THAT is when the customer service reps admitted their maintenance went longer than expected and was - contrary to their own written promises- affecting transactions. Two days later, and my card is being declined AGAIN. This time, they've allowed vendors to maintain holds on funds even after the bank has charged me for the vendor 's item, effectively taking money out of my account twice, and rendering me again unable to use funds in my account as they are tied up with " holds ''. I tried to log into their website to register a complaint, but the website tells me my account " isn't accessible '' because I'm using an older browser ( my XXXX updated just a few days ago. I'm on the latest build. ) For questions, they provided a number which I called. And it was the wrong number. In ALL of this Discover bank is claiming their maintenance was " unplanned '' ( weird how they announced an maintenance schedule ), and made it seem like all of this is just some unfortunate series of events over which Discover Bank ( owning all these systems ) has no control. 100 % of my income comes from SSDI. Discover Bank is effectively limiting me from using funds provided me by the federal government for a living well below the poverty level. This is unacceptable on all levels.
02/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 11235
Web
Hello, hope youre doing well. I want to file a complaint against my discover credit card. I have been trying to get help with a dispute for a few months now and even tho i have uploaded proof that I returned the merchandise I bought, they still are saying that they arent siding with me. On XX/XX/2021 I bought 18 packs of a certain XXXX trading card set. The total came out to {$1100.00}. However when I received the cards they werent the same ones that were pictured on the original listing. I contacted XXXX and at the time they werent excepting returns on the XXXX cards, so I contacted discover and opened a dispute. Discover gave me a temporary credit until the matter was resolved. A few weeks later after I filed the dispute, XXXX changed their return policy on the XXXX cards and let me return all 18 boxes for a full refund. I have the chat log that states so, including the prepaid shipping label they sent me as well as a statement that they received the items I sent them and that they processed the refund on Monday XXXX XXXX. However i still have yet to get the refund. XXXX stated since i opened a chargeback id have to work with my bank to get it fixed. It was around XXXX where discover stated the transaction was valid and reversed the charge. I then proceeded to show them the proof that i returned the merchandise, and that XXXX themselves stated they had received the items and that I was processed a refund. However just this evening I got another email saying the charge is valid and my proof is insuffecient. I dont understand how my proof of return including label and statement from an XXXX representative is insufficient. I asked for a review of the case on XX/XX/XXXX and it took them this long to get back to me even though they stated theyd take XXXX days for a supervisor to reach out to me. I can not reach a supervisor about my case and this is my last hope to get my money back because now i dont have the items anymore and Im also stuck with the charge.
04/01/2020 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • CA
  • 95051
Web
I have multiple students with Discover, I believe that I have overpaid all of them due to excessive inexplicable interest charges. I first complained about excessive interest in the spring of 2019 after several lump payments I made didn't affect how much of my payment was going to interest. I called to complain about this issue again in the fall of 2019 as my minimum payment due was not going down after several lump payments. I was re-assured that it would be re-calculated at the end of the quarter, and it was. I called Discover on the first week of XXXX to understand why I paid $ XXXX in interest in 2019 instead of the max possible $ XXXX, and could not get a answer to my question. After examining my statement for the month of XXXX, I discovered that I was being charged extra in interest. I called Discover continuously to have someone explain the extra charges. Everyone I spoke with, including a supervisor, agree to the amount I should be charged {$10.00} based on their ( and my ) calculations but could not offer an explanation for why I was actually charged {$34.00}. They usually end with something along the lines of " the computer does the calculations and it doesn't make mistakes. '' I wanted to know what " the computer '' was doing differently and have called Discover multiples times per day over the past two weeks on this issue. Eventually, I requested my payment history for all my loans, statement history and origination letter and decided to compute my loan history based on the terms of the loan. I realized that Discover owed me significantly for each loan and since then have been practically avoiding having a meaning conversation about it when I call. I get moved from rep to rep. I get told to review the documents carefully etc. Attached are two documents for the calculations of one of the loans : one that matches my payment history and another that shows the interest computations daily. You can see that the bank currently owes me {$1300.00}.
11/27/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • PA
  • 194XX
Web Older American
On XXXX/XXXX/15 I opened a Discover Bank Cashback Checking Account. The mailing that I received said that I would receive a {$100.00} bonus if 1. I opened the account between XXXX/XXXX/15 and XXXX/XXXX/15 using offer code " XXXX '' and 2. a minimum current balance of {$1000.00} must be met within 2 weeks of account funding. Furthermore it said that the bonus would be issued as a credit to my account WITHIN 30 days of completing all requirements. I complied with all of it when I opened the account. The rep specifically asked me for the offer code which I gave. I printed a confirmation of the account opening listing all the information ( Acct #, name, address, funding info, etc. ) which did not mention the {$100.00} bonus so I called and spoke to a rep named XXXX ( XXXX E.S.T. on XXXX/XXXX/15 ). I said nothing was mentioned on the confirmation about the {$100.00} bonus and she said that my account showed XXXX and nothing was printed on the confirmation because that offer was n't available to everyone. I have an email dated XX/XX/XXXX saying that they rec 'd my request that my bank transfer {$1000.00} as an opening deposit which would be credited to my account within 3 business days. Deposit was shown in the account on XX/XX/XXXX. Today being XX/XX/XXXX ( 30 days since XXXX had 31 days ) and my account did not show the {$100.00} bonus, I called ( XXXX ) and spoke to a supervisor named XXXX who said that the reason I did n't receive the {$100.00} was because my account was n't coded for the bonus. When I said that they had asked me for it and that I had called XXXX to confirm it, he said she ( XXXX ) thought I was talking about a different offer. XXXX chances to code the account and neither one was done correctly???? Do n't they record all these calls?? XXXX then said he would file a dispute with customer service but that would take 6-8 weeks to resolve! So, now I have to wait another XXXX weeks for their decision? AND leave the entire {$1000.00} there until then?
01/03/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MI
  • 48042
Web
On XXXX i had made a purchase for two stainless steel automatic watches. They were apparently custom watches of highest quality which were made to look like XXXX style watches. I had ordered them and paid {$1300.00} using my Discover credit card. I received a package from XXXX which either way only contained ONE watch and not two that i ordered so that issue number 1. With the watch i did receive, it was nothing like what was shown in the images and it was a cheap XXXX branded fake that i think anyone with any type of eye sight could see. I did NOT order a XXXX or replica watch. XXXX sided in my favor but for some reason did not refund my money, i forwarded this to Discover but they did not care. They also did not care about receiving only ONE of the TWO watches i ordered and still insist in charging me {$1300.00} and saying the charge is valid. The seller responded by saying he did not sell a counterfeit XXXX but a XXXX XXXX but if you search online ... a XXXX XXXX is a high quality counterfeit XXXX. I had reported the listing and seller which was removed and they banned the seller from XXXX YET discover still believes the charge was valid though i only receive one of the two watches i ordered and provided them pictures of the counterfeit product which i would say its illegal for them to say this counterfeit product is a valid charge. i offered to file a police report and they still did not care. They are saying i did NOT return the product but thats due to XXXX not asking me to return anything. PLUS it is illegal to use the united states postal service to mail counterfeit products especially overseas. i was not told by anyone to mail anything back nor did the seller request this single watch back. They said i received a empty box in the report when i clearly sent pictures of the single counterfeit XXXX replica i received. The seller is a liar from a foreign country that is clearly committing fraud and looks like Discover is encouraging it
09/18/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • NY
  • 10001
Web
I was offerred a balance 0 % balance transfer and transferred {$6000.00} on XX/XX/XXXX. Terms and conditions offer 5-7 business days. When it had not posted on after the XX/XX/XXXX, I called to ask that the request be voided and was told that the funds would post the following day XX/XX/XXXX. A week later it still had not posted and Discover admitted this had 'been mishandled at every step. ' The {$6000.00} had already been debited from our account so it could not be reprocessed until they 'found the original {$6000.00}. ' The process required a total of 35 calls, most with the executive office who left me 2-5 voicemails a day requiring me to call back. Throughout, my bank, XXXX offered to speak with Discover to get the funds transferred electronically and immediately and even offered to cover expedited shipping of a paper check as our account was now overdrawn but Discover refused all of XXXX 's efforts to resolve quickly and the process took an additional several weeks. For the first time in our lives, we bounced a rent check, a health insurance payment, and even a check to one of my employees with substantial fees for each. Worst of all, our bank is now holding all deposits for 7 days because of the overdrawing that occurred and will continue this policy for 6 months or until we have no further bounced checks. In short, we planned to have the {$6000.00} in our account after Discover provided the date that the funds would be available and when the funds became 'lost, ' we assumed Discover would be reimbursing those fees if not for the 7 hours of time on the phone this has now cost us. Their refusal to work with XXXX to resolve quickly was unconscionable as well. It was only today that the executive office notified us that they believe this is an acceptable customer service experience and will not be providing us with even a courtesy credit for our time nor will they cover the fees incurred because of the blatant misinformation provided by their reps.
10/18/2016 Yes
  • Credit card
  • APR or interest rate
  • KS
  • 671XX
Web
Discover refuses to apply my payments above the minimum payment to the balance with the higher interest rate first. I have asked over the phone and through the online message center. The response I keep getting is " the company can apply it the way they want. '' Their agreement says : We apply payments and credits at our discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits as required by applicable law. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. According to the Fair Credit Billing Act of XX/XX/XXXX, they must apply the additional to the higher APR. I do not understand how they can get away with this. Especially if I requested it. The split occurred with the balances XX/XX/XXXX. The balance with the higher rate was at {$1200.00}. I can not add to that balance ; all new charges go with the other APR. The balance on that portion is now {$1400.00}. I was late one time in XX/XX/XXXX which was forgiven. After that, I was never late, there were only 2 times that I paid the minimum, and I tried to pay above the minimum ( even if it was only a few dollars ). There were a few times when the balanced decreased, then it would go back up. That is one of the reasons I did n't notice until I pulled out all of the bills. I did n't notice the issue because, the total balance on the card was decreasing and I assumed they did as the law required. I only recently started writing down everything, only to notice the balance on the higher rate has actually increased since XX/XX/XXXX. Do I have any recourse? Also, it is very hard to tell how any of the credit card companies apply the payments on multiple balances on the same card. I think all credit card companies should be required to provide a breakdown of how they applied your payment on your billing statement.
03/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • ID
  • 834XX
Web Older American
I called XXXX XXXX XXXX for a " free estimate '' for a furnace problem as they advertised on line. They said they needed to have a credit card number to come out but they wouldnt charge my card. Several weeks late, on XX/XX/XXXX a tech came to my house. He looked at my furnace and said I needed a new motor. He did nothing to repair it and said that someone will call me with a price, then he left. He was there for 15 minutes. They said it would be {$700.00} or so. I said ok... but then they sent me a text saying it would be {$1100.00}! I sent them back a text immediately saying there was some mistake because I look up the cost of a motor on the internet and it was only about {$250.00}. So I said I didnt want the service. They then billed Discovercard for the {$1100.00} ... .later they took that off but added at charge of {$300.00}. Discovercard sent me a notice of that charge. I called them within minutes to say it was not authorized and told them the details. They said it would be investigated and they would give me a temporary credit. I kept waiting for the credit to appear. When it never did I called the XXXX XXXX on XX/XX/XXXX and spoke with XXXX she said she would fix it. On XX/XX/XXXX, XXXX I spoke with XXXX who said she would fix it, still nothing, then on XX/XX/XXXX I spoke with XXXX XXXX XXXX XXXX I spoke with XXXX and Corporate Headquarters on XXXXXXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I called again and no claim was denied. Today I called XXXX at the Corporate Headquarters. I never authorized a charge of {$300.00}. I was never given any communication from XXXX XXXX of any amount due, I only found out about the charge thru my Discovercard account. I asked the company who was the owner, they refused to tell me. Finally, my neighbor came over feeling so horrible about what happened. He looked at my furnace and said the motor was fine. He tightened a bolt and it has been working perfectly since then. He has offered to write a statement to this affect.
08/26/2022 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • OH
  • XXXXX
Web
We applied for a home equity loan with Discover on XX/XX/XXXX. This was all electronic, with a portal to upload documents and e sign everything. After attempting to upload income information unsuccessfully ( received error messages from the site ), we received several emails and phone calls that we needed to contact them. So we did. I spoke to a loan XXXX on XX/XX/XXXX. They verified some income information over the phone and advised we were pre-approved for approximately XXXX XXXXXXXX and what our rate and term would be. The agent told us we need to upload the borrowers certificate within 7 days and then we would get notifications of the documents we needed to upload as well for the loan. We were told the process was taking around 6-8 weeks and was also dependent on how quickly we loaded our documents etc. I could not e-sign the borrowers certificate so we printed and signed and then scanned it in and uploaded it the next day. Over the next few days we added our XXXX, proof of insurance and mortgage statement and other documents. We were waiting on pay stubs because that week was a XXXX period and we wanted to Ensure we had the two most recent to avoid delays. On XX/XX/XXXX we received notice our application was closed. We were very confused as we were proactively working on our part. I emailed the loan officer and said it needed to be re-opened. The told us no, we needed to reapply because 25 days had passed. We had no idea of this 25 day guideline and no one told us. Not to mention we were just pre-approved on XX/XX/XXXX so only 5 business days had passed. We made financial commitments based on the pre-approval we received and now have suffered damage because of this misrepresentation of information from Discover. I will also note the emails stating our application was closed says we havent been able to get in touch with you Which is blatantly a lie because we just spoke to them the week before and were proactively uploading documents to our application.
02/08/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CT
  • 06492
Web Servicemember
In XX/XX/XXXX, I was in debt. In XXXX Discover credit card services wanted a minimum payment due of {$190.00} with a 29 % interest rate. As a single mother, homeowner I could not manage. I asked Discover to work with me reasonably. They did not want to offer anything more than the above. They called day and night and were relentless for months. Then I started to receive communications from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX They asked that I pay over {$9000.00} to them. I only had a credit limit of {$6000.00} with Discover. I was bombarded with documentation from them and finally, I would receive communication I was being sued. I went to court numerous times without an attorney and was made to feel very XXXX. The last time I went to court I was basically bullied into a payment agreement with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. if I was to receive a partial amount of my mortgage money that they in fact executed and levied. It caused me and my bills to spiral out of control I found myself facing foreclosure due to the loss of money becoming late and then behind in my mortgage payment due. I was completely devastated. XX/XX/XXXX the same thing has happened my entire direct deposit was levied and executed by XXXX XXXX XXXX, XXXX. They are making my life a living nightmare. They got awarded a judgment order for over {$9000.00} by default and I was never given the notice or opportunity to defend myself. This firm is so shady I have found countless complaints about them. FACTS that they have been sued for violating the Fair Debt Collection Practices Act more than once, XXXX XXXX a long time attorney of the firm has been suspended 4 times for failure to pay the client security fund fee.In an article online I found their firm brought more than 8000 small claims to court in XX/XX/XXXX! There are tens of thousands of people who have been bullied by this firms predators. I will give an abundance of information to the CFPB and pray you help me so I can help others.
04/13/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • MO
  • 63301
Web
I applied for an unsecured credit card with Discover in XXXX of XXXX that they advertise that if you make your payments on time for 6 months you will receive your deposit back with a possible increase of a credit line. I have made my payments on time ( sometimes 2 and 3 times a month ) for about 16 months and have not received my deposit back. I called XXXX on Monday XX/XX/XXXX and was transferred to a supervisor. I spoke with him and told him the situation and I ask why I haven't received my deposit back when I had made all my payments on time for 16 months. He said he would send a request for information and to call XXXX in XXXX hours and I would be told what is going on with my account. I called today XX/XX/XXXX well over the 48 hour mark and I spoke with a supervisor named " XXXX ''. She said they are unable to tell me why this is happening to my account and that the previous supervisor did not put a request in and she could be of no help to me. I then called the cooperate office for Discover at XXXX and I was told again there was nothing they can do to check my account to see why this is happening and why the system review is not working for my account they they have no back up reviewing system in place if this is happening to their customers. I believe this is false advertising and I have done everything I needed to do in order to get my security deposit back and the system is not working. I am attaching a copy of my transaction history for the account to show that the payments were made on time well over the 6 month limit. My payment amount is usually {$20.00} a month unless the balance is less as you can see I also have made more then the monthly required payment. I have also paid my car loan on time or earlier. The site also mentions monthly reviews, it doesn't mention if those reviews are completed my AI technology or human. As far as my credit score it has not dropped since I started using the card so I don't think this would be a factor either.
04/12/2017 Yes
  • Credit card
  • Credit line increase/decrease
  • MD
  • 20814
Web
Discover docked my credit line from {$19000.00} to just {$500.00} with no notice at all, citing the fact that I had balances on credit cards with other companies ( despite the fact that I paid my bills ). I had forgotten to pay a {$38.00} total balance and was a couple of days late on my Discover payment. Once I realized I was late, I paid immediately, but since I rarely use the card I thought I had paid earlier. I found out my credit line was decreased to {$500.00} when I went to make a small business purchase of around {$300.00} and my card was declined. I was given no notice of this, and when I called Discover they said they had mailed me a letter that would take 7-10 business days for me to receive. I had not received it yet. The credit line was decreased one day before I received an email with my statement details ( attached ), noting that I had {$16000.00} in available credit remaining and still I was not notified of this change. I was planning to use my Discover card to help finance supplying my company ( a XXXX ) with stock for an upcoming XXXX show at the end of XXXX. This is no longer an option for me and I find it appalling that Discover was able to reduce my credit line by {$19000.00} overnight with no notice at all. In summary : XX/XX/XXXX, 2017 : my credit line was decreased from {$19000.00} to {$500.00} ( no notice provided ) XX/XX/XXXX, 2017 : I receive my statement saying that I have {$16000.00} in available credit remaining XX/XX/XXXX, 2017 : I attempt to make a roughly {$300.00} purchase and my Discover card is declined due to credit limitations XX/XX/XXXX, 2017 : I call Discover to clarify and a service representative tells me there is nothing they can do to adjust my credit limit, and that it will remain at {$500.00} XX/XX/XXXX, 2017 ( after calling rep ) : I receive an email noting that I have a secure message from Discover. The letter is dated XX/XX/XXXX, 2017 and includes the information about my credit line decrease to {$500.00}.
10/14/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 334XX
Web
The dispute involved, but I think it was a scam regarding security software for PC and ratings of such software with a link to buy. I tried purchasing one of the recommendations and paid for the transaction, but would never received download. I thought it was just a glitch in this in their software, so I tried the second company they rated that they raided in the same thing happened and then the same thing happening able to third you wouldve thought I wouldve got caught on after two, but I was stupid enough to go for three because the third one was a big name company, I disputed all three charges. The issue is the person that I had to speak with totally non-technical. Do nothing about the computers wouldnt know how to validate what are the services in provided or not and in their lifetime will required somebody from your IT department, actually look at XXXX XXXX remotely and prove that I never downloaded the software what is software was never downloaded by by the vendor, hi I made my arguments and they said they ignored them. Turn down my dispute wouldnt provide the proof that the customer provided in order to arrive at their decision and I know because Im with him Im a 45 year veteran of the IT industry that Im on right and theyre wrong and theyre wrong because theyre so non-technical then they still non-caring and have no real escalation process that works, so Im about to drop Discover card and go with a different card company hoping that your dispute process is better. Im gon na go XXXX it with XXXX XXXX where I have a financial interest ready for a card with XXXX XXXX XXXX but I understand there is broken. is Discover or even worse so I think its a systemic problem with these companies card companies they need to be fixed if consumers are going to be protected because were not I thought your dispute process was good because they they they they honored by disputes in the past, but this time it was pathetic who I was handle, and so on customer focused
01/29/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • SC
  • 29410
Web
I have been working with Discover card for almost a year in which some tickets purchased on XXXX were charged to my discover card. I originally tried calling XXXX at the phone number referenced on my discover statement but due to the pandemic, there were no customer service agents working so they do not allow u to talk to a live person. I tried messaging XXXX to no response. Therefore, I filled a fraud dispute with discover card and three times I called and spoke to representatives. They provided me documents from XXXX that indicated the tickets were emailed to an email address that wasnt mine and the charges were made by an electronic device that was in another state that I have never been to. Discover card had put the charges on my account and reversed them 3 times as we went back and forth. They first agreed then put the charges back in my account each time discover did not notify me why the charges were put back on my account. I had to call discover and have them send me and tell me why the charges were put back on my account. Honestly, I think they wanted me to not notice or get frustrated and just pay the charges. The last time they put the charges back in my account, I called customer service and was on hold for 45 mins and transferred to 3 different customer service agents and when the last one I was connected to she said hi and then hung up. So I called discover back and then was on hold for 1 hour and 5 mins before I was connected to customer service and she told me that Discover had concluded their investigation and sided with XXXX. She couldnt give me any other details or information about what had chances since I talked to them last time. Honesty this is just a sign of big business being big business. They wanted me to give up and get frustrated and just pay the charges..this is what I get for being a tax paying good citizen. All is forgotten that my hard earned tax money helped bail these companies out in 2008. No justice for the little guy.
10/27/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other service problem
  • IL
  • 60123
Web
On XXXX I received a notice from Discover Bank that XXXX was no longer available to me because I enrolled in the service after XXXX. I had transfers in progress at that time which did not complete due to this action. Subsequently I opened a new bank account at a XXXXXXXX XXXX and attempted to enroll in XXXX. I received an error message. I contacted Discover Bank to ask that they unenroll me from XXXX, which they said they had done. I tried to enroll in XXXX again via XXXX and received the same error as before. I asked XXXX to look into the issue, and they said a ticket was opened but there has been no response. I spoke with Discover Bank a few times and they would not tell me why XXXX was made unavailable or when it would be available again. I have communicated with others on XXXX and XXXX who have similar issues. XXXX ( XXXX ) I received a response from XXXX via XXXX that I should call their customer service phone number and spoke with someone who told me my phone number and email address were placed on a restricted list. They will not tell me why I was placed on the restricted list or how I was placed on the list and indicated that there isn't a way to get off the restricted list. I am not aware of any issues with transactions on my accounts or any fraudulent activity. I did speak with someone in the executive offices at Discover Bank who alluded to Discover notifying XXXX that a large number of accounts were fraudulent, and that this may have been in error. I would like to be able to use the XXXX service again but am unable to do so due to being placed on the restricted list. So far as I know I have not used the XXXX service in a way which would violate the terms of service or any regulations. I believe that there are many others in a similar situation and that this is due to an overzealous attempt to prevent fraud, but it has restricted my ability to send and receive money from friends and family. I request assistance in resolving this issue.
07/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • MI
  • 48126
Web
XX/XX/2022 - Discover Online Checking account opened by applying, Uploaded completed Requested ID Verifying Notarization. Specialist reviewed doc and successfully opened account. - Discover Bank inquired on my XXXX consumers report. Personal info & no prior client reports on record. XX/XX/2022 - Account was placed on hold & Funds Frozen. Phone rep requests a photo of my State Issued government ID card, SSC, Birth certificate, & IRS 1040 be uploaded via their sites secure Doc upload for ID Verification. * All were submitted Same Day. between the XXXX to the XXXX Ive been on 10 hour hold times unable to reach security specialist. XX/XX/2022 - Security Specialist phone rep was reached and she reviewed the uploads and determined my account successfully Verified. She then immediately removed hold and unfroze funds. - Only 10 minutes after that I was logged out of my online account and had a Hold/ Freeze placed again. I called back only to be informed my account was in the process of being closed due to being an At-Risk Customer per Company decision . After 4 days of complaints from myself Ive acceptance the fact that the banks policy states it may close an account for no reason needed. My issue/ Complaint is Why am I not allowed to retrieve my funds ( cash/ check ) at their singular available U.S Branch location per several reps. Instead must wait XXXX weeks to have it mailed to me. They state its their policy and it takes weeks to close it then months to send it. Ive informed them that I would like to close my account then immediately so I may get my money quicker, They state its not how it works. WHY Was my account closed only after a specialist unfreezing it after reviewing requested documentation to only have it eventually frozen and in closing within 10 minutes. And why am I not able to go to the branch and pick up my money like any other bank why are they freezing my funds from me for an unreasonable amount of time and being very shady.
03/17/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • GA
  • 306XX
Web
Discover card is trying to make me pay for fraud charges that they refused to investigate. Now a year later they have added the fraud charges back on the account and demanding me to pay. I spoke with XXXX today with Discover Executive Office of Customer Advocacy who informed me that the person who had been investigating my case closed it. I have several complaints with the XXXX and I have also filed a complaint with consumer finance.gov. Discover had two departments making changes to my account the fraud dept and the billing dept. Because of them not investigating the fraud charges and both departments making errors now they want me to pay for fraud charges a year later and I refused to pay any more money. The total amount that I owed them was {$3900.00} when the fraud charges for the amount of {$1300.00} is deducted that left a balance of {$2500.00}. XX/XX/2020 through XX/XX/2020, I made total payments of {$900.00} leaving a balance of {$1600.00}. In XX/XX/2020 I made a final payment of {$1700.00} that's a total of {$2600.00} which I added interest. I had frozen my account in XX/XX/2020 Discover continued to post charges to my account, they also let fraud charges post to my account. After contacting them and asking them to stop all reoccurring charges they allowed them to come through also. Now they are telling me that my case is closed. Discover have refused to send me a detailed billing showing me what my charges are. I never received a report showing that they investigated the fraud charges. XXXX at Discover today XXXX XXXX refused to go over my billing questions. Everything that they have done is illegal and that needs to stop. Now they have sent a letter to the XXXX stating that I owe them {$800.00} for fraud charges that they refused to investigate. They need to show me on my statements how they come up with a different figure than what I have provided. Now they are sending negatives reports to the credit bureau stating that I owe them {$800.00}.
10/31/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IN
  • 467XX
Web
During XXXX - XX/XX/XXXX we had our credit card stolen. We never used the card and never realized the charges. Upon finding the charge we called Discover and disputed. They were very helpful and unwound all the charges in a timely manner. When that was done we found a positive $ XXXX on the credit card. This was a combination of monthly payments we had made on the balances over the year and the total amount of the disputed charges. I called them and asked if this was my money to withdraw to my checking account. This conversation was had both on virtual chat and over the phone for confirmation. The answer both times was yes. However I wasn't able to do it myself they had to transfer. So I provided my account info and in 3-5 days the money was in my account which we used to pay off unwanted debt. 1-2 weeks later I got a notification on my phone of over balance. I looked at my app and there was a balance of over - $ XXXX!!. I called Discover and they said my case was opened back up and all deposits had been unwound. After endless calls in to Discover. Some being very helpful and others just being told there is nothing they can do. We are at a loss. It's almost a year later and they are now saying there is nothing I can do all the money is my responsibility and they won't open it back up. We filed a police report right at the start as instructed. The person was arrested with video evidence and still awaiting federal charges and trail. Both the courts and Sherriff have been in contact with Discover and Discover have confirmed this. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, Pending ( active ) Reference Case cross references Prosecutor Case Management XXXX Police Agency XXXX As we sit I have a $ XXXX balance on my credit card with a $ XXXX limit. My credit is shot and I'm making {$500.00} - $ XXXX monthly payments on money I NEVER spent!
02/14/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Unexpected increase in interest rate
  • GA
  • 30075
Web
Dear CFPB, I am a loyal Discover Card Holder since XXXX. Within the last 5 years, I have started a family and purchased a house. So daycare, mortgage, and home maintenance expenses have been the highest expenditures every month. To make ends meet after emergency room visits or storm damage deductible/repair bills I have for the first time in life needed to carry a balance over from month to month. This past year was bad ( for me ) and I carried a balance for 10 months straight but finally got a family loan to help me stop the interest charge on our Discover card. The fine print on our monthly statement reads : " Paying Interest : ... We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. " I had a balance of {$6000.00} from only " Purchases '' on my XXXX bill and over paid XXXX. ( Full disclosure : I still have automatic monthly payments happening on the CC like insurance and cell phone, so there is always a balance ). Then on my XXXX statement I was charged interest of {$41.00}. When I called Discover to ask about the interest, even though I paid over, the representative then told me only if I pay off the total balance 2 months in a row does the interest stop. THIS should be the language on the statement. It is misleading and predatory. I asked them to please help me out with the interest so I can start XXXX off interest free. They did remove the charge but the language needs to be changed on the statement. I love Discover and the only reason I make this complaint is I want them to be the best credit card out there competitive with XXXX. Please address this with Discover because others who are not so lucky to pay off a balance with a family loan will be stuck in this interest trap for many years.
02/03/2022 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
  • NY
  • 142XX
Web
In XXXX of 2021 I entered into a reduced payment plan agreement with Discover Student loans at $ 50 monthly payed automatically. The description of this payment plan was provided as being a minimum of 6 months and but was told I my would continue for a total of 12 months and that we would then reassess my financial situation at that time. However very suddenly in XXXX the payments stopped being auto drafted and am now being told the program was only for 6 months and being placed back in the same program was not an option. I had had a very good payment history and never missed a payment and they are now asking for hundreds of dollars monthly that I can not afford and threatening to charge off the entire loan. Additionally they have threatened to go after my co-signer who is my former step father. These loans were purchased by discover student loan years ago from XXXX student loans. Whole with XXXX, my step father had been removed as a co-signer, however after being acquired by Discover he was added back on without notice. My mother past away a few years ago very suddenly and my former step father is now remarried and lives in Florida. He already having been previously removed as a co-signer while held with the loan originator XXXX XXXX due to good payment history and that fact that my mother is dead, leaving him totally without any responsibility for these loans, and for Discover to threaten to go after him is wholly unacceptable. I have offered to continue with the same arrangement until I am in a better financial position to make my standard payments. I even offered to increase the payment amount to {$75.00}. Twice I have called and asked for the issue to be escalated to a supervisor for help and each time I have been placed on hold for greater than 30 minutes until the line suddenly disconnects. This would benefit both me and Discover as I will receive an affordable payment and Discover received a greater amount of net interest income over time.
06/15/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • 33308
Web
On XX/XX/XXXX, I received a text message from Discover Card, asking if I had recently made a {$1.00} charge at a XXXX station. Since I mad no such charge, I immediately called Discovers Fraud Department to inform them that no such charge was made by me. During the conversation, eight fraudulent charges totaling {$400.00} were identified. The representative stated that my card would be canceled to prevent further fraudulent charges and a new card would issued. Additionally, the representative stated that I would not be liable for the fraudulent charges and they would be removed from my account. During my online review of current activity for my account, I noticed that Discover had reposted these fraudulent transactions to my account. On XX/XX/XXXX, I called Discovers Customer Service Department, asking why the fraudulent charges were transferred to the new account. The representative stated that the error would be corrected and the fraudulent charges would be removed within the next few business days. On XX/XX/XXXX, I received two emails from Discover Customer Service, stating that the dispute had been resolved in my favor. On XX/XX/XXXX, I received an additional five emails, stating that the dispute had been resolved in my favor. On XX/XX/XXXX, I once again checked online to see if the fraudulent charges had been removed. Once again, the fraudulent charges were still on my account! I sent a secured email through Discovers website, asking why these fraudulent charges had not been removed from my account. On XX/XX/XXXX, all I received from Discover was a canned response thanking me for my letter and asking me to call a security specialist at another number for assistance. Given that Ive already received the runaround from Discover THREE times, I have no intention of going through this nonsense for a fourth time and am now contacting the CFPB for assistance and resolution since Discover has proven their incompetence in properly resolving this matter.
01/17/2017 Yes
  • Credit card
  • Rewards
  • TX
  • 75287
Web
Please see the attached statements and support. I am formally filing a complaint regarding the XXXX from XX/XX/XXXX. This promotion stated that purchases up to {$10000.00} would be paid back at 10 % for each eligible card. I did not receive credit for these properly for either of my credit cards. Accounts ending in XXXX and XXXX were not credited properly. I have tired numerous times to get the proper credit but the reps said my purchases included gift cards and not eligible. The terms with gift cards were not in the original terms gift cards were not excluded from this promotion and the purchases were made before the terms changed. As per the attached statements, account XXXX was only credited {$200.00} but I made over {$10000.00} in purchases so I am owed an additional {$790.00} on this account per the original terms. I opened an additional card account ending in XXXX and according to the statements provided I did not receive any XXXX rewards even though I made the necessary {$10000.00} in purchases using XXXX so I am owed {$1000.00} in rewards related to this promo. In addition, this account was new so it qualified for an additional promo where all purchase cash back would be doubled for a year, so this {$1000.00} credit should be doubled to {$2000.00}. This was a very poorly run promotion, and extremely disappointed Discover tried to change the terms after my purchases were made and would not pay out my rightfully earned rewards per the original terms. After Discover refused to pay out my earned rewards, I have begun to think negatively of this company and do n't use the cards as much as others. Please pay my {$2700.00} in rewards for customer satisfaction, as I have been long term holder of a Discover Credit Card since XX/XX/XXXX. Please contact me at XXXX with any questions. I have had other friends that have gotten their cash back and I hope you will consider this complaint seriously so Discover Card will be my card of choice in the future.
03/02/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • FL
  • 32926
Web Servicemember
This past Friday evening ( XX/XX/2020 ) I received a notification that I needed to contact the Discover fraud line and my account had been locked. Upon doing so I was on hold for quite some time while the individual I was speaking with reviewed my account. Eventually, he sent me to their tech support to have me upload both sides of my driver 's license as verification. Once that was complete I was forwarded to a third individual who eventually informed me that all of my accounts were closed for " business reasons '' and that I should have a check within 60 days with my remaining balances. My wife then called later to attempt to get further information as well as to inquire about our Discover credit card still being active in hopes of figuring out why we were being punished. Shortly thereafter our charge card ( which we had just paid off ) had also been closed. The closest thing to fraud we had done was to set up multiple savings and money market accounts in order to try an automated budgeting system we had heard about. The accounts had been opened earlier in the week and I went through and funded them upon receiving our income tax refund the previous day ( XX/XX/2020 ). We had also run one of our savings accounts, that had been open for over a year, up to the maximum of 6 transactions - but this wasn't entirely on us. 2 of those transactions were executed by someone at the bank troubleshooting an issue we were having trying to transfer {$450.00} from that account into our checking account. They executed a {$1.00} transfer and a {$100.00} transfer - both of which counted against us and neither of which were helpful. We received zero notice and were depending on those funds to finally get our financial heads above water - this risks us being in a worse situation, financially as well as on our credit report/score, has put a lot of stress on my wife, and we are scrambling to find a way to pay our childcare expenses, buy groceries, and get to work.
04/14/2016 Yes
  • Credit card
  • APR or interest rate
  • WA
  • 98406
Web
Discover gives one the option of a balance transfer. However, they fail to make available in writing the current balance owed on the balance transfer as well as the date the promotional APR expires on that balance. I called Discover XXXX XXXX and asked to be provided with this information in writing, either via US mail or via an email. I was told this was not possible ; they provided the information verbally, but I wished to have it in writing so I had solid evidence in case their phone agent told me incorrect information. ( This information is also not available throuogh my Discover account : I can see the total I owe, but it is not broken down so I see a clear balance owed that is associated with each date that the promotional APR expires, and this detail information is what people need to be sure they pay their balance off before the promotional APR expires. After 20 minutes of being on the phone, sitting on hold while being transferred to a supervisor, and talking to that supervisor, I asked whether they could provide this information via their " secure mail '' option that is attached to one 's Discover account. Amazingly, it did n't occur to Discover employees to suggest this option. I was then transferred to yet another person and after another 10 minutes on the phone including several minutes on hold ( during which I sent a secure message asking for this information ), I was told that he could not respond to that inquiry ( or indeed, access the information about my balance transfer. He did assure me I would receive a response within about 24 hours. It is now 4 days later, and I still do not have a response to my inquiry. I just resent the inquiry. Discover is failing to provide consumers with balance information that is necessary to pay one 's balance in a timely manner. In the case of balance transfers with promotional APRs, Discover needs to clearly state the current balance and the day the promotional APR expires. They are not doing this.
07/28/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • MO
  • 64151
Web
On XX/XX/22 I opened an account with Discover Bank. I initially applied for a 6 month 0 % transfer balance but it was denied and I was offered a lower credit limit. I had no ideal that they would continue with the balance transfer even though my credit limit would not cover all of the funds that I had initially input but when I checked my balance after signing in online it was maxed. This was very unwelcome as having a maxed out credit card will harm my credit but since it was a lower interest rate so I tried to be optimistic and not complain. One month later I found that the balance transfer to my XXXX XXXX XXXX card never occurred. I called and was told that sometimes it takes time for the transfer to go through and to call again in a few days. I called a week later to both XXXX XXXX and to Discover alerting them that I have been paying interest on the {$400.00} to both XXXX XXXX and to them as there was no transfer received by XXXX XXXX but I was being billed by both banks for the same monies.There was little that XXXX XXXX could do so I put the burden on Discover. They then submitted a " dispute '' and after 1 week I called again only to be told that it takes " 10 days to follow the money trail. '' That was almost 1 month ago and I sent a message on the app and still nothing. I called them today on XX/XX/22 only to be transferred 3 times before I could not take anymore. I have spent hours on the phone and they are fully aware of the situation. I have made 2 payments to XXXX XXXX when the balance should be XXXX after the alleged balance transfer from discover. I was charged a transfer fee and my credit has suffered because of the amounts used on my credit cards is double. At this point I have done everything I am willing to do to resolve the situation. This is not only incompetence but theft that has stolen my time, money, affected my credit and caused me undo mental anguish. I expect a resolution and an apology is not an acceptable equivalent.
05/20/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CT
  • 06320
Web
I made numerous attempts today, XX/XX/XXXX, to dispute a transaction from XXXX on XX/XX/XXXX or XX/XX/XXXX in the amount of {$1200.00}. I made a total of three calls to Discover, spoke with three different reps in disputes dept.. As explained to initial rep, I attempted to resolve matter directly with XXXX XXXX called the number listed on transaction numerous times within the past few days, was told they do not refund and only issue store credit .... The XXXX rep ( s ) were explained I did not make transaction, did not understand it is fraud. I left a message for a manager, no one called me back. I called Discover back a second time today, explained to another rep transaction is fraud, she attempted to refer me to a third party number in which case I told her that would not work, I needed to dispute charge with Discover. I then requested a manager, was put on hold for several minutes, no picked up.. I called back a third time, spoke with a XXXX in disputes, attempted again to dispute charge, he was explained above and I was put on hold while he attempted to file dispute ... He mentioned a call made to Discover on XX/XX/XXXX inquiring about funds availability for the charge and or a fraud alert in re, that call appears to be for a different amount .... I was at the time looking at an item for a different amount on XXXX, a boutique in XXXX XXXX, CA had a small mini bag available, a gift for my gf, I chose not to purchase, went with a XXXX bag instead. The amount of XXXX bag is around XXXX with tax. The call with XXXX cut off while on hold, he called back, put me on hold again.. I had another call come in which I needed to take, had to drop his call while on hold. Due to confusion on end of Discover reps in disputes, I was not able to file dispute and with call cutting out and later dropping, do not know if anything was filed. I wish to dispute charge as fraud, nothing received from XXXX in re, appears to be result of a possible data breach within XXXX
02/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • FL
  • 33141
Web
Dear reader I have never missed A payment and I care about my credit very much as I am in the process of trying to get a new mortgage this was in XX/XX/2018 and I didnt have the online payment set up so I made a call to the Discover customer service representative to make the payment info and the customer customer service representative him put my information on my card incorrectly which then caused my payment not to go through when you told me that it didnt go through and I didnt get notified until two months later when I already had a credit mark on my history I dont think its fair that I am paying that I am getting a mark on my history because I made my payment as you can see I even went ahead and paid them off in full with no interest APR and I have paid off all of my dad has a good person would theres no reason for me to be able to go suffer. When I spoke to Discover regarding this dispute I spoke to a couple customer representative supervisor was very unhelpful he then told me that he would try to go ahead and pull the car and went when they when he went to go pull the car in a couple days later he told me that he can not find the car but I know for a fact that I gave him my XXXX card to go ahead and pay that balance which Ive always paid on time.I sincerely think that it would be great to have that removed as you can see my credit history and you could see my intentions as the only reason why that wasnt paid was because I got notified two months later that the card number that he took through didnt go through and I have no way of knowing that cause the point I thought I had paid it so this would be on the fall on the negligence on the behalf of Discover as well as a supervisor for not being able to go ahead and pull the car listen to the call accurately if they did they would see that Ive ever intentional of paying it. Please help me remove this error. This is discovers fault. Look at my credit history. Flawless, but that error on their part
10/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92614
Web
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of account on my credit report Dear Sir/Madam, I hope this letter finds you well. This correspondence is concerning an inaccurate piece of information that I have noticed on my XXXX credit report. Specifically, there is an account under the name 'Discover Credit Card, ' which I did not open or authorize. To elucidate, I became the victim of identity theft in XXXX of last year, an incident for which I dutifully filed a police report. I have attached a copy of this police report with this letter for your reference. The illicit account, I believe, is directly linked to the fraudulent activities conducted by the identity thief, and I had no part in its creation nor have I authorized any transactions on it. Pertinently, I would like to draw your attention to Section 611 of the Fair Credit Reporting Act ( FCRA ), which dictates that upon receipt of a dispute, you have an obligation to promptly investigate and remove inaccurate information from the data subjects credit report. Concurrently, I would also like to draw reference to the Consumer Credit Reporting Act ( CRA ), which provides similar protection against inaccurate credit reporting. Subsequently, I kindly ask that you expedite the investigation into this matter and see to it that the 'Discover Credit Card ' account is removed from my credit report. The presence of this fraudulent account is causing undue stress and unwarranted injury to my financial reputation, which I hope you can appreciate. Please update me on the progress of this case periodically, and provide written confirmation once the account has been deleted. For further details or any necessary documents, feel free to get in touch with me at my email or phone number. I am hoping for a prompt resolution to this matter. Thank you for your time and anticipated cooperation. Sincerely, XXXX XXXX Attachments : Police report Identity theft ( XXXX [ XXXX ] )
06/30/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 93535
Web
XXXX XXXX XXXX XXXX XXXX i XXXX XXXX, XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX XXXX IA XXXX Subject : Dispute of Inaccurate Payment History and Account Closure per Fair Credit Reporting Act Dear Consumer Financial Protection Bureau XXXX I am writing to dispute the false payment history and inaccurate account closure information reported by Discover Bank on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). Discover Bank has failed to rectify these inaccuracies despite my efforts to resolve the matter directly with them. Creditor Name : Discover Bank Account Number : Ending in XXXX Date of Account Closure : XX/XX/2023 Date of First Delinquency : XX/XX/2023 XXXX. False Payment History : Discover Bank has reported me as being 90 Days Past Due on XX/XX/2023, which is entirely inaccurate. I have evidence proving my consistent and timely payments, with no instances of being 90 days past due. Discover Bank has not corrected this false information on my credit report. XXXX. Account Closure Inaccuracy : The account closure date reported on my credit file is incorrect. Discover Bank closed my account prior to the reported date, yet this discrepancy persists on my credit report. Despite my attempts to resolve this matter directly with Discover Bank, they have not taken the necessary steps to rectify these inaccuracies. Therefore, I kindly request your intervention and assistance in resolving this dispute in accordance with the FCRA. I respectfully request that you initiate an investigation into these inaccuracies and take appropriate action to ensure the correct and accurate information is reflected on my credit report. Furthermore, I kindly request your guidance on how to proceed and any additional steps I should take to address this issue effectively. Thank you for your attention to this matter, and I look forward to your prompt assistance in resolving this dispute. Sincerely, XXXX XXXX
02/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • GA
  • 30067
Web Servicemember
On XX/XX/2022 I scheduled my regular monthly payment with Discover, my due is the XXXX but I pay early. I have been a card user nearly a year and Ive never missed a payment or have any issues with my account. After being notified that my banking account had been compromised, I gave Discover a call immediately ( XX/XX/2022 ) to submit a new payment and cancel the the previous transaction. I was told that the payment had been successful and that my balance was {$0.00}, and there was no need to submit additional payments. On ( XX/XX/2022 ) after closing out my bank account I noticed that Discover returned my payment. I called them immediately and was told I can just submit another payment and that it wouldnt adversely affect my account. During the call with the Discover, I disclosed that I was a XXXX veteran and that this was a XXXX situation. The representative guaranteed me that my account was in good standing and I shouldnt worry. Discover accepted and posted my payment ( XX/XX/2022 ). On XX/XX/2022 I received a bot call from what I assumed was a scam caller, the bot said my Discover account had been suspended and to check my email and sign a document for income verification. I immediately called Discover and was transferred to the verification department. The representatives were extremely unprofessional and rude and refused to explain to me why my account had been subjected to this request. After being transferred back and forth I was finally able to speak with someone who informed me that the request came from an outside party and that Discover legally had to verify my income. They wouldnt disclose who this other party was but stated that I could submit 3 bank statements and a notarized letter and submit it to them, since I dont have taxable income. I truly believe that Discover targeted me and discriminated against me because of my XXXX. Ive never experienced any problems with Discover until I disclosed my health/ income information with them.
01/15/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • CA
  • 90250
Web
In 2017, Discover Cards started airing a promotion and still have a promotion on its Discover IT card, that states no late fee charged if a payment is missed. I saw this on the TV and called to confirmed the advertisement with a Customer Service representative that confirmed that it advertisement was accurate. I asked if this I could use it and it was affirmed that I could. I soon learnt the hard way that their advertisement was not accurate. Following using the purported information of the advertised promotion but line of credit was decreased. Immediately I called to inquire why my credit was reduced and I was told that it was due to missed payments. You see I have been a customer for over 17 years. For the past 5 years, I have been paying down my balance on the card. With a credit line of XXXX, my balance in 2017 was about {$6500.00} which I was looking to pay down. I was dismayed when I realized that they not only decreased by card from {$16000.00} to {$6500.00}. Following the decreased Discover card, representative started contacting me that my balance was close to my credit limit. What were they expecting? When an organization reduces a customer 's line of credit to a few hundreds close to what they owe obviously the balance due would be close to the available line of credit until the balance is paid down. I am requesting your assistance to have Discover Cards stop its false misrepresentation/ false advertising as it is not exactly what it confirmed to the customers. Also, Discover Ad is misleading and once a customer uses their deceptive ad they are charged late fees contrary to what the customer was made to understand would be the outcome. In addition, I am requesting that all the late fee charge be reversed. And, I should be put in a position I would have been should I have not used this promotion that stated no fee charge for missed payment. I can be contacted on at XXXX XXXX XXXX XXXX Thanks for your immediate assistant. XXXX XXXX
12/26/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Add-on products and services
  • CO
  • 80227
Web
I signed up for a discover card in XX/XX/XXXX and was signed up for a payment protection plan through my discover card that I was n't aware of or gave permission to sign up for. I did not realize I was signed up for this until XX/XX/XXXX when I was checking my bills online. The fee for this is charged at the same time as interest rate so it looks like it is part of the interest charges each month. I am very aware that I did n't notice this charge for 7 years up to now, but now that I have found out and done the research on what they 've been charging me, I am very frustrated to sat the least. XX/XX/XXXX : I called discover to ask them about these charges and to get proof that I signed up for this program initially. They can not provide me with this information which is even more frustrating. They have decided to only refund 6 months of back charges for this program and this is n't acceptable to me. They need to dispute and refund the full amount. I never signed up for this program, I never gave permission for them to charge me for this, I have also never used said program. They signed me up for this program without my knowledge or consent and fraudulently billed me until I said something. Now they take their gains and refund only 6 months after taking and taking for 6 years. This is 100 % unacceptable, they need to provide me proof that I originally signed up for this program. They told me I said yes in a phone call in XX/XX/XXXX? What kind of XXXX is this ... I signed up for the credit card over the internet and only the credit card, not any accompanying programs they use to get money from people. I need someone to investigate this matter fully, I have 7 years of credit card statements showing charges from $ 10-75 each charge!!!?? This is honestly a scam and ridiculous and should n't be allowed. I repeat I have never signed up or used any program like this from discover credit card company and dispute all of the charges associated with it.
11/10/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • CA
  • 91401
Web
Hello CFPB, My name is XXXX XXXX. On XXXX XXXX I went to XXXX -- all products -- credit cards -- See if youre pre-approved before you apply. Please see the link for pre-approval Discover card. XXXX : XXXX? XXXX I was approved XXXX times with the following text : Congrats XXXX XXXX, you XXXX XXXX for these cards : XXXX XXXX Card and XXXX XXXX XXXX. I decided to go for XXXX XXXX which was 14 month XXXX apr. After I was done with my application I received the following text : " Call pre-approve now.You are almost done. Thank you for your application. We just need a few more minutes of your time. We can help you complete your application quickly. XXXX support is available ''. I called and they were super nice. I thought it was the proper way for verification not to go through a new applications. A representative today told me the pre-approval system was down on Thursday-weekend and told me to reapply using the pre-approval again and for the next XXXX times was the same text. A they keep telling me XXXX hours stating that Th Pre-Approval system has been down and they dont even see my completed application last rep I spoke with told me he will forward it to the supervisor and to wait XXXX more hours. after many days and several hard inquires i found that I was denied because a change in my credit report. Nothing changed in my repot, all my credit cards are reported that paid to " XXXX ''. I am asking CFPB that the inquires to be removed from my credit report given that it was done under the false pretense that I was " pre-approved ''. I would not, under any circumstances, have applied for this card had it not used text that led me to believe I was already approved. My request is that XXXX to remove any hard inquires that did on my credit reports between XXXX XXXX XXXX XXXX. I will NOT accept the hard inquiry being on my report when they gave me false hope that I would not be denied. Respectfully, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX
11/01/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • CT
  • 06082
Web
On XX/XX/2016, I became victim of IRS Impersonation Scam Call. The scammers told me that I am an income tax return defaulter and asked me to buy some XXXX cards and send them the code for clearing my outstanding return amount. They also told me that if I wont accept this chance they will start some law and enforcement proceedings against me and they may also put me behind bar. During this event, I used my Discover Credit Card for buying XXXX XXXX cards each recharged with {$500.00} and similarly I used XXXX XXXX XXXX card to buy another XXXX XXXX cards having {$500.00} each, thus totaling to {$4000.00}. On the next day I got in touch with local police authority, shared details of the entire event with them and they opened a case for this identity theft and fraudulent event. They suggested me to raise a claim with both Discover and XXXX XXXX XXXX and I did so. After the claim was raised, I also talked to XXXX XXXX XXXX on-call executives on this matter, they listened to me and cooperated with me and few days later they compensated me the entire {$2000.00} which I lost from my XXXX XXXX XXXX account. But, the Discover Account Executives who talked to me on this case informed me that they are not responsible for this case at all, and therefore they wo n't be able to assist me with any kind of compensation for my loss. So, I withdrew my claim from Discover. After this whenever I got in touch with them on this matter, always they said that as I have withdrew my claim initially, and once a claim is withdrawn they can not do anything more on that. I want to raise an official complaint against Discover. I know Discover is a very big organization providing service to thousands of people. But, if XXXX XXXX XXXX could cover me for my loss, why could n't Discover cover me at least some part of my loss, if not all. They should also be having some fraud protection policy for this kind of cases. If you could please look into this matter I would be very obliged.
08/24/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90005
Web
Hello, this is the following complaint of XXXX ( complaint ID ) which is Discover Card. There is no progress at all and I do not know how to update the complaint so I am making the new Complain. They told me that I made a purchase/payment in XX/XX/2020. However, I have been explaining this to Discover and also to XXXX multiple times that it is impossible to make because I closed the credit card in XX/XX/2020. Also, they guided me through everything so I just followed that how I got the account closed confirmation email. ( I attached closed confirmation email for the last complaint ) However, they were keep insisted on me that I made that transaction in XX/XX/2020. Therefore, I asked them the transaction detail ( not just the balance but the transaction detail ) about it before paying. I explained to them multiple times that it is unfair to say that I just need to make this payment without even knowing what happened because I was not even in the U.S and closed the account. ( I can provide the flight history as well ). XXXX agent told me that they will send the transaction details by mail and also email as well. Sadly, I have been lied again and again by the corporate. I have been doing this for three months now and when I got a call from XXXX yesterday, they did not even have an updated address when I provided multiple times from XXXX through XXXX. Also, I just talked to the Manager at XXXX and they were saying the same thing that they want me to just pay the amount without even showing me the transaction details. I think this is an obvious scam especially when I actively engaged and even call back to XXXX. Also, they said they will provide me the information but now they change the words and they just want me to pay without giving me the information. I told them multiple times that I want the transaction details, not just the balance. Even worse, I have been doing this for three months now and I can not even describe how frustrated I am.
07/07/2015 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • CO
  • 80231
Web
I recently applied for a personal loan with Discover Personal Loans. I submitted my loan and application, and learned my loan was finalized on XXXX XXXX, 2015. I was told I should receive a check for my loan within 10 business days. On the XXXX business day, XXXX XXXX, 2015, I still had not received my funds. I called Discover Personal Loans and found that my payment had not even been sent yet, and would not be until later that week. However, I was informed that I was going to be charged interest from the day that the loan was finalized, XXXX XXXX, 2015. To me, this is utterly unfair because I am paying interest on funds that I have not received, and in fact have not even left Discover 's bank account. I 've looked up the rules and regulations regarding this practice. And it appears per 12 C.F.R. 226.2 ( a ) ( 13 ), I am obligated to start paying interest when the loan is " consummated ''. While I may have agreed to certain particulars of the loan on XXXX XXXX, 2015, I did not receive my end of the contractual consideration on this date, and would not even receive it for 15 calendar days later ( at the soonest ). In this case, the amount is not insignificant. It is approximately {$100.00}. ( {$23000.00} loan amount x XXXX apr XXXX XXXX Discover 's daily accrual method x 15 calendar days of interest. I have canceled the loan, for obvious reasons, and expect Discover to not hold me accountable for any interest from this loan, as I have not been able to make any good use of the loan they provided. I am concerned they are preying on unsuspecting customers by using this " consummation '' loophole, getting customers to agree to the terms of the contract on the funding date, being overly slow in disbursing funds ( over 10 business days is truly excessive ), and reaping the benefits of their inefficiencies. I would like a response from Discover, and I think this may warrant an investigation from the CFPB, and possibly a class-action lawsuit.
09/30/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • MI
  • XXXXX
Web
On XX/XX/2022, I applied for a Discover card and was approved with a {$2000.00} limit. On XX/XX/2022, Discover sent me a strange email requesting a copy of my tax returns. I called Discover and asked why they need my tax returns for a credit card with only a {$2000.00} line of credit - I asked if this was a standard procedure with all applicants and the Discover agent said it was a standard procedure. I do not believe Discover requested my tax returns as part of a standard procedure they do with all applicants. I believe Discover asked for my tax returns for either discriminating reasons or to Obtain more personal information on me which they turn around and sell to data collections companies for more profit. I believe anyone reading this will agree with me that it is NOT a standard procedure for Discover to request an individual 's tax returns days AFTER they have been approved for a line of credit. I asked discover this question on XX/XX/2022 complaint # XXXX and their response did NOT answer my question instead they provided the following vague response.. Discover card conducts regular reviews to evaluate our customers accounts. As such, your account is currently involved in a regular review. Our records confirm that an email was sent to your email address of record on XX/XX/2022, advising of this process, and the email provided you with the next steps to complete the verification. Let me get as specific as I possibly can : Does Discover ALWAYS conduct a regular review on all individual applicants just days after they have been approved? Does Discover Demand an approved applicant to provide them with their tax returns on lines of credit under {$3000.00} every time or most of the time? Does Discover have information on me which provides them with my XXXX or XXXX of my skin? Discovers actions have harmed my credit by adding account closed by grantor by the inquiry they placed on my credit report and by takig away my line of credit
12/02/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 77598
Web Servicemember
Recently I used my Discover Credit Card because my visa debit card 's magnetic strip was inoperable. No worries in which I was using my credit card and paying off the card the next day of my purchases. So I thought. I made a payment on XX/XX/XXXX {$280.00}. XXXX, a payment on XX/XX/XXXX of {$170.00}, a payment on XX/XX/XXXX of {$920.00}, a payment {$57.00} on XXXX XXXX to supposedly keep everything current in which it should of been. another payment on XX/XX/XXXX of {$50.00} a payment of XX/XX/XXXX of {$380.00}, a payment on XX/XX/XXXX of {$280.00}, a payment on XX/XX/2020 of {$580.00}. I did this too keep everything current. However, the balance was - {$22.00}. So, being concerned I called Discover Card financial services on XXXX XX/XX/XXXX. i spoke with XXXX who was absolutely acted like he didn't know what I was talking about. He stated that sometimes things don't go through. Exact words. How is that possible that my payment may not go through. I asked to speak to a manager and for his badge number. which he gave me and have written down. When I spoke with the manager it was XXXX from XXXX, AZ. She was downright rude. She told me it takes 8-9 business days for things to clear. I told her the discover card services does not keep up to date like a normal financial service. Example. on my account it says I have a balance of {$420.00}. I paid {$420.00} to pay off balance. So what they do is hold the {$420.00} you pay for 8-9 days while you accrue more charges and interest. They don't update the account. so you are actually not knowing what you are charging. A lot of things did not line up. When I talk to XXXX and told her I had previous talked to someone and said the persons badge number. She even notified me they don't even have badge numbers at Discover. She was downright rude. Seem rather unconcerned of what they were doing. She even yelled at me with a temper. i feel so upset with Discover and want this resolved immediately. Unprofessional!
08/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NE
  • 681XX
Web
I had an account with discover for about XXXX years and I closed it off on XXXX XX/XX/2024. While closing the account, I had XXXX $ that I paid and requested them to close my account. They said they will and deleted the app and thought it was done and dusted. I am not from the XXXX and I do not know all the laws. After XXXX months they call me and said they've tried contacting me over email and mail, and I owe them XXXX XXXX Now, the email they contacted is not something I use, I only used to check the discover app while I had it but I deleted after closing the account and I also moved apartments on XX/XX/2024. I paid them XXXX $ immediately and closed the matter. Cut to now, I am trying to buy a car and checked my fico score has dropped XXXX points ( XXXX to XXXX ) from last XXXX to now. Again, I am not used to checking my fico score, I'm not from this country. I called credit bureau to ask what happened to my fico score, they said discover reported it over the XXXX XXXX Now, I called discover, and asked them to check my payment history -- - I have never missed a payment or paid late and this XXXX $ is not something I would not have paid had it appeared on my statement while I was closing the account in XXXX. They could have called me soon too -- I could have paid earlier in that case. But I had no idea about this XXXX XXXX The XXXX discover ladies working in their credit report unit kept telling me they can not do anything about this because they need to send accurate report to the federal govt and if I have a problem I can start a dispute. So I started a dispute and also letting you all know. I am not from this country and you can all check my payment history. I would not steal someone's XXXX XXXX But I do not deserve to pay extra on EMI because my credit score dropped as a result of misunderstanding. Is there any way you can help me remove the negative scores on my credit report so that my credit score goes back to normal? Thanks!
07/02/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 91789
Web
On XX/XX/2020 I made a purchase for a 'open box ' XXXX XXXX XXXX Watch for {$140.00} through XXXX. According the XXXX 's policy and description definitions an 'open box ' item is described as : " An item in excellent, new condition with no wear. The item may be missing the original packaging or protective wrapping, or may be in the original packaging but not sealed. The item includes original accessories. The item may be a factory second. See the seller 's listing for full details and description. '' However, when I received the watch, it was clearly used and covered in scratches all over the body, and did not even come with original accessories. I immediately requested a refund through XXXX, but accidentally closed the dispute. So I reached out to XXXX customer support and the seller. XXXX simply told me that because I had closed the return request there was nothing that they could do. The seller openly admitted that the product was not as described and mistakenly listed it as 'open box ' when it should have been listed as 'used ' and offered to fully refund me if I return the item. I asked for further instructions on how I would return the item, but the seller had stopped responding to my messages. Next, I contacted XXXX, but because of COVID-19 their offices were closed and could not escalate my issue and recommended that I dispute with my credit card. I then opened a dispute with Discover credit card and after 2 months they tell me that because the merchant is willing to accept a return they can not continue with a dispute and that the transaction is valid. I argue that I am willing to return, but the seller is not providing me with any means to return. I asked that the dispute be reopened, so that they can request proof from the seller if he has tried to initiate a return with me, but they refused. DiscoveXXXX is allowing scammers to prey on unsuspecting victims with falsely advertised products through their loose policies and loopholes.
11/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CO
  • 80011
Web
Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it is imperative that consumer reporting agencies like XXXX and XXXX operate with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to safeguard my private information, as outlined in 15 USC 6801. Financial institutions, including furnishers of information to credit agencies, are obligated to protect customer privacy according to Congress ( 15 USC 6802b ( c ) ). However, I have not given my consent for XXXX, XXXX, or any furnisher of information to credit agencies to share my data. The law ( 15 USC 1681 section 604a ) states that consumer reporting agencies can furnish a consumer report only with the written instructions of the consumer. I have never provided such consent, verbal, non-verbal, written, or implied. Furthermore, according to 15 USC 6802 ( b ) ( c ), a financial institution must inform the consumer about their right to opt out of data disclosure, which the furnisher failed to do in my case. For multiple Accounts Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, especially if it antedates the report by more than seven years. XXXX and XXXX are violating this provision by reporting adverse items without my permission. Additionally, under 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is illegal to furnish inaccurate information to consumer reporting agencies. XXXX and XXXX are also failing to maintain reasonable procedures as required by 15 U.S. Code 1681e, which mandates consumer reporting agencies to prevent violations of the law. Lastly, according to 12 CFR 1016.7, I have the right to opt out of reporting services at any time. Therefore, I am choosing to exercise my right to opt out and revoke any consent given, explicit or otherwise, for XXXX, XXXX, and any furnisher of information to credit agencies to share my personal data.
10/13/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Privacy issues
  • CO
  • 80537
Web
I opened an account with Discover within the last couple of weeks, but had issues using it online the entire time. I was able to make a small purchase online, but then when I was trying to make larger purchases off XXXX and XXXX, both kept getting declined over and over despite my high credit limit and the purchases being nowhere near close to that limit. I called Discover on XX/XX/XXXX at XXXX XXXX to check and see what the issue was. I was told there was no issue with the card at all and it must be on the merchant end. The morning of XX/XX/XXXX, I tried the same purchase again. This time, Discover set off NUMEROUS fraud alerts and began blowing up my email, texts, and my phone. One of the emails sent said that this was a fraud concern, but if I had already dealt with the issue, to disregard the message. Since I had literally spoken with them 14 hours before and I was currently at work in the middle of things, I assumed I did not need to call immediately. However, within the hour, I received a text message from my ex-husband saying Discover had called him looking for me. He has NEVER been on the account or associated with the account in any way and Discover would NEVER have been given permission to contact him on my behalf under ANY circumstances. This was NOT a matter of me having defaulted on my bill for a year or something similar, which would be understandable. Rather, this was a matter I had ALREADY TRIED TO ADDRESS less than 24 hours prior and there was NO reason he should have ever been contacted about my account. When I contacted Discover, they said that they had found the number on my credit bureau report as a number I had been associated with historically. This number was NOT given to Discover by me in association with the account at any point in time, and again, my ex-husband has NEVER had permission to have any sort of information given to him. Following this huge breach of privacy, I closed my discover account on XX/XX/XXXX.
08/26/2016 Yes
  • Credit card
  • Billing disputes
  • MA
  • 017XX
Web
I mailed a check for my monthly Discover credit card payment on the day the bill arrived ( i.e. in plenty of time to reach Discover before the due date ). Because I am carrying a balance on the card, I am particularly meticulous about paying on time since they have the right to hike up the interest rate if the payment is late. I recall making the payment, and my checkbook contains an entry for the payment and a carbon copy of the check made out to Discover. Discover claims they never received my payment ( according to a letter they mailed me ). They billed me {$27.00} for late payment, and might increase my interest rate from the current 4.99 % to 17.99 % ( I have not received any notification of an interest rate change yet ). I have a 20 year history of *never* being late making a mortgage payment, or payment on either of my XXXX credit cards. The dollar amount of this complaint is so tiny that I am not asking you to spend any time trying to recover it - you have real crime to fight ; - ). However, I am wondering if Discover plays this game routinely ( pretending to lose payments ) so that they can charge fees and increase interest rates? I want you to know of my experience in case I am just one of many people experiencing the same issue with Discover. I also noticed in the complaint database ( thank you for the database! ) that other Discover card holders have been offered cash back on their Discover card if they sign up, only to find that when they are about to qualify for some cash back, the offer is rescinded. I had exactly this experience 20 years ago when I signed up for my Discover card. Because of this, I never used the card until just recently. I only used it about four months ago, and already I feel I am being scammed once again by Discover. Finally, I am now paying Discover electronically, and verifying each payment via a phone call to Discover immediately after making the payment. Thank you, and keep up the great work!
09/14/2015 Yes
  • Credit card
  • Billing disputes
  • RI
  • 029XX
Web
DISCOVERS VENDOR ; XXXX MISREPRESENTED THEIR PRODUCT AVAILABLE FOR SALE. I PAID THE XXXX BY DISCOVER CARD UP FRONT FOR THE MERCHANDISE. TWO WEEKS WENT BY SO I CALLED THEM TO ASK WHEN THEY WERE DELIVERING TO ME. THEY STATED THEY WERE WAITING FOR ME TO CALL, THEY DID NOT HAVE THE PRODUCT I NEEDED. THEY SAID THEY WOULD SUBSTITUTE ANOTHER TYPE OF MATTRESS. THAT WAS NOT ACCEPTABLE. AND, WHY DID N'T THEY CALL ME WITH THIS ISSUE. TO ME THIS IS A BAIT & SWITCH SITUATION. I WAS DISTURBED BY THEIR DECEPTIVE BUSINESS PRACTICE SO I TOLD THEM TO CANCEL THE ORDER. THEY TOLD ME THEY WOULD NOT CREDIT MY DISCOVER CARD, THEY WOULD ONLY GIVE ME A STORE CREDIT. THEY LIED TO DISCOVER AND TOLD THEM EVERYTHING I ORDERED WAS SPECIAL ORDER, WHEN IN FACT THEIR SALES GIRL TOLD ME EVERYTHING WAS IN STOCK. THEY ARE A CLEARANCE CENTER. MY HUSBAND HAS A XXXX PROBLEM AND HAS BEEN OPERATED ON ( XXXX ) TIMES. WE HAD TO GO TO ANOTHER COMPANY TO PURCHASE A BED TO CONFORM TO HIS NEEDS. DISCOVER ORIGINALLY CREDITED OUR ACCOUNT {$1200.00}. THEY THEN REVERSED THE CREDIT AND SAID THEY HAD NEW INFORMATION AND SIDED WITH THE VENDOR, ( WHAT NEW INFORMATION AND FROM WHOM? ). DISCOVER FOR A XXXX TIME CREDITED OUR ACCOUNT, ADVISED US NOT TO CHARGE ANY MORE ON THAT CARD, DISCOVERS RECORDED LINES STATED THEY SAID THEY WERE CANCELLING THE CARDS SO THE XXXX COULD NOT PUT CHARGES BACK ON OUR ACCOUNT. THEY SENT NEW CARDS AND FRAUDULENTLY STATED THIS WAS TO REPLACE LOST OR STOLEN CREDIT CARDS. THEY AGAIN REVERSED THE CREDIT OF {$1200.00} AND CHARGE IT TO THE NEW CARD. THE NEW CARDS THEY SENT HAVE NEVER BEEN ACTIVATED BY US. WE THEN PUT A COMPLAINT IN WITH THE ATTORNEY GENERALS OFFICE ON XXXX/XXXX/2015. I HAD NOT HEARD ANYTHING ABOUT THE COMPLAINT SO I CALLED THE AG OFFICE ON XXXX/XXXX/2015 IN RHODE ISLAND. I SPOKE WITH XXXX WHO INSTRUCTED ME TO THIS SITE TO PUT IN MY COMPLAINT. THIS PROCESS HAS BEEN GOING ON FOR MANY MONTHS. TO THIS DATE WE HAVE NO MERCHANDISE AND NO CREDIT FROM DISCOVER CARD.
09/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NY
  • 10029
Web
XX/XX/2022 I receive a notification in my discover app that my account was blocked due to suspicious activity and provide me with a number I call the number, after verification steps I recognize the charges which were a XXXX dollar charge to my internet provider and another XXXX dollar charge. ( Which Im not sure if its even enough basis to block an account since I had paid my internet before ) They ask me to hold on the line and that Ill receive a code that Ill give back to them. Cant say for sure if they hung up on me or call dropped but I had very stable coverage. I call back and now they are asking me to upload some documents to the website to prove my identity. Instructions were to enter discover.com and find the secure document upload option. They mention that it may take up to 48 hours to process. ( Of note, this is very inconvenient and dangerous since this leaves me without access to any money in case of emergencies ) One hour later as soon as I have access to my laptop I notice that there is no secure document upload option on sight in the websites front page. I call back again and they verbally guide me through the document upload using discover.com/sdu I call every day since then to check if my documents have been reviewed with no luck. When I ask if theres anything I can do to expedite the process given my situation they mention it must be 48 hours after document upload before they can pull the departments leg. XX/XX/2022 I call back after 48 hours have officially passed. Documents have not been reviewed. Agent tells me there is no such thing as pulling that departments leg. I describe to her my document upload process and she lets me know that the correct link was actually discover.com/upload which brings you to a similar looking part of their website and tells me I should upload documents there and wait an additional 48 hours. I am not sure what is going on but in all this process Im kept without access to my money.
08/24/2015 Yes
  • Credit card
  • Credit card protection / Debt protection
  • CO
  • 809XX
Web
To Whom It May Concern, I 'm writing to inform appropriate authorities about Discover Card fraud tactics. During a month long trip to XXXX. Many of my financial accounts had been compromised. I 've been able to successfully refute all fraudulent activity with other financial institutions - with the exception of Discover Card. Their process is very unorganized, aggressive and unjust. Every time I call into their XXXX - get a different " customer expert ' from a different city that interprets the notes on my account inaccurately. On XXXX occasions I 've called in concerning status of my dispute and XXXX It was stated to me " sorry that XXXX has done this to you '' 1. XXXX is my wife and was with me in XXXX. Never have I even gave them the name of XXXX in my original complaint. There is no way she could have done any of this. This is false judgment/deformation of character and slander. 2. I 've tried on multiple occasion correcting the " random '' customer service agents that answer the phone for Discover but have reached my patience 's end. 3. Discover should provide consistent and accurate information when customers call in. Period.!! If that means I need to speak with the same agent, someone familiar with my case every time, use a special number, then Discover needs to assign such a person to my case. 4. Due to the fact that Discover has got too many reps hands into this case - there have been many inconsistent account charges being credited/debited from my account. 5. I 've not had any of these issues with other financial institutions since my return, only Discover. The company that uses " {$0.00} Fraud Liability '' as XXXX of its lures for customers. With the Consumer Financial Protection Bureau and other regulatory agencies now involved my hope is this can be resolved without any further legal escalation. Which might include : character damages, the subpoena of Discover phone recordings and account notes. Thank You, XXXX XXXX
05/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • TN
  • 378XX
Web Older American
I have sent Discover three certified letters ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all three in XXXX, attached ) that I disputed an account ( Account number XXXX, Charge-off Balance {$15000.00} ) on my credit report. I have requested an investigation of these accounts and of any proof that these accounts are mine but they have ignored my letters and phone calls. More importantly they have refuse to include a posting of a Notice of Dispute to my XXXX credit report which is a requirement that needs to be placed no later than 30 days after being notified of the dispute. As of XX/XX/XXXX that has still not been done ( see attachment ). Per the FCRA : FCRA Section 623 ( b ) ( 1 ) provides than when a furnisher receives a notice of dispute regarding the completeness or accuracy of reported information from a CRA, the furnisher must conduct a reasonable investigation and review all relevant information provided by the CRA. Duty to Provide Notice of Dispute. If a consumer disputes the completeness or accuracy of furnished information, the furnisher must provide a notice of the dispute to the CRAs when furnishing the disputed information. The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default. Timing of Notice. The financial institution must provide the notice to the customer no later than 30 days after furnishing the negative information to a CRA. Substantial Penalties for FCRA Violations Not complying with the FCRA can subject the furnisher to statutory damages of {$100.00} - {$1000.00} per violation. The FCRA states that plaintiffs can also win punitive damages and recover attorney fees, these types of violations make appealing class-action targets. Attached is my current ( XX/XX/XXXX ) XXXX credit report of the Discover account. As you can see there is no Notice of Dispute even after seven months of disputing this account to the furnisher, Discover.
01/27/2016 Yes
  • Credit card
  • Closing/Cancelling account
  • AZ
  • 85024
Web
Yesterday I called Discover Financial to activate my mother 's supplementary card, but was informed that it was cancelled since I did not provided some information regarding her. I have been a Discover card member for close to 8 years, and my mother has had a supplementary card for several years also. I have XXXX issues with this:1 ) I or my mother never received any type of notification on this regard. Not by email, letter or pop-up on the website.2 ) I informed that my mother does not live in the US , when the card was originally issues, an therefore does not have a social security number. The agent mentioned that she could n't do anything on this regard and therefore could not give my Mother a plastic. Due to this experience, I will cancel my credit card with you once the current charges are paid. First of all, I am really concerned that my credit card company could not reach me on this regard, and lied to me on the topic. I did not received any information on this regard, even if it was addressed to my mother 's name. Secondly, my mother has a supplementary card for other US based financial institutions. I have received similar requests from their part, and I have explained the situation and the necessary steps were taken to ensure that my mother could continue to use her card. I understand the need for additional security, but not having an alternative to accommodate for this situations is unacceptable. I was happy to provide any additional information or documentation regarding my mother, but you policies clearly do n't have the vision to provide reasonable accommodations in your " know your customer '' policies. This is clearly a discriminatory lending practice based on a national origin. If my mother lived in XXXX, a place where their government issues these numbers, would Discover have an issue with it? Discover stated on an email, that they request this to everyone, but do they do they validate if a XXXX number is used?
09/28/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 75090
Web
In Reference to XXXX Beginning in 2014 I began a membership with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX these are all the same entity, an international dating and overseas bride introduction service as they claim. ! ) Over more than 2 years there were several charges and amounts made by this company some of which were authorized by myself and some were charged to my account without my authorization. The amounts could vary from {$390.00} to {$240.00} to {$99.00}. 2 ) XXXX XXXX does not run a legitimate service! They run an illusion that does not functionally exist, only as per billing the customer and deceiving the customer with artificial software, staff writers portraying themselves as female members, fake profiles, and a slick graphic onscreen presentation will you find services rendered but they do not perform the services they advertise and imply! Those services are supposedly communicating with women interested in meeting and marrying a western or American man. They have no intention of delivering that stipulated service that they advertise! It is all a scam and just because Discover says they talked with the other party does not resolve my dispute as this company XXXX XXXX will lie cheat and steal from their customers so hwy would they tell the truth about their credit card billing? Discover has no desire to rightfully resolve this dispute! This makes them as criminal as the entity that deceived me! 3 ) Discover has made no serious effort in the slightest to resolve what should be a clearly proven case for a refund! They are merely stonewalling while negatively reporting my credit score! not only do they shirk their responsibility to the consumer they are enabling a criminal operation to continue making million on thousands of other male customers! I demand a refund and correction of my credit status and Discover is refusing using their policies as an answer to criminal acts that have no related statue of limitations!
10/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 100XX
Web
My identity was stolen after the XXXX Data Breach in XXXX. I discovered this in XX/XX/XXXX when XXXX separate accounts were opened with XXXX, Discover, XXXX XXXX XXXX, XXXX XXXX XXXX, Discover, XXXX, XXXX and XXXX XXXX. XXXX XXXX, XXXX and XXXX XXXX XXXX investigated and found that the accounts were fraudulent and they were all removed from my credit report. XXXX removed the account after I told them I would file federal suit against them if they did not but still assigned the debt to a collections agency. XXXX, reinserted the fraudulent account under a separate account number and will not remove the identity theft item from my report. XXXX removed the account from my credit reports. XXXX removed the account from my credit reports but still assigned the debt for collections to an outside third party. A separate collections account from XXXX XXXX XXXX is listed on my credit reports as having a balance of over {$11000.00} for an alleged account I had with XXXX XXXX. I never had an account with XXXX XXXX that was opened in XXXX which they allege using an address of XXXX XXXX XXXX # XXXX, XXXX, NY XXXX. The XXXX XXXX XXXX account is a result of identity theft and they refuse to remove the account from my credit reports EVEN though I filed six separate supporting police reports along with a formal ID Theft Affidavit with the credit bureaus and XXXX XXXX XXXX. A discover account was opened in my name in XXXX that is a result of identity theft. XXXX is refusing to remove the ID Theft account from Discover, XXXX XXXX and XXXX XXXX XXXX EVEN THOUGH they have been furnished with 3 separate FTC ID Theft affidavits with six supporting police reports and verification of my identity. XXXX is refusing to remove the XXXX XXXX XXXX identity theft account as well. Somebody also applied for credit in my name from XXXX XXXX XXXX XXXX on my XXXX report where I could not qualify to even be a member because I have never worked for the federal government
11/11/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60626
Web
On XX/XX/XXXX, I used Discover Card to pay the merchant ( a law firm, XXXX XXXX, XXXX XXXX XXXX ) {$300.00} for legal service, but he didnt show up in the court to represent me ; on XX/XX/XXXX, I called Discover Card and they opened a dispute for the dissatisfaction with credit card purchase and I closed the dispute on XX/XX/XXXX. However, on XX/XX/XXXX, the merchant discontinued his service to me because he didnt get the money from Discover Card ; and since the merchant didnt get the money from Discover Card and discontinued his service to me, Discover Card should credit back the money to my account, but Discover Card didnt ; obviously, this is a billing error. Therefore, begun from XX/XX/XXXX, I exercised my billing rights to dispute the billing error, and asked them to correct it. However, while I kept sending them the inquiry to dispute the billing error by discover.com/billingerrornotice, Discover Card kept acting like they never got my inquiry to dispute the billing error and pretended that I just wanted to continue the dissatisfaction with credit card purchase, which has no longer existed and been relevant since the merchant didnt get the money from Discover Card and he didnt need to deliver the service to me ; and refused to do anything about it. So far, Discover Card did not open the dispute for the billing error as I requested begun from XX/XX/XXXX, did not explain why not either ; did not answer my questions - why the merchant didnt get the money from them, whether they gave the money to the merchant or not, what had gone wrong to cause this, where the money is now, why they couldnt get the money back and credit it to my account, and why I should pay them for the money they lost. Obviously, Discover Card has a problem ; either lost the money somewhere else, or gave it to the merchant but couldnt prove it ; but either way Discover Card can not make me pay for their problem and have to credit the money back to my account. .
05/09/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NC
  • 28277
Web
In XX/XX/XXXX, I requested services from an independent vendor on the XXXX platform for an original policy and procedure for the State of Maryland Developmental Disabilities Administration Comar Regulation - application requirements. Upon receipt/delivery of the finished work, I read through the document and immediately recognized that the documentation wasn't at all what I made my request for. It was a generic policy and procedure for a home care agency, which isn't what I requested. I provided the vendor with the exact list of what was to be included within the policy and procedure to be in compliance with the state of Maryland Comar regulations and receive a license to become a provider. I immediately contacted the vendor via the XXXX platform to request a FULL REFUND because I was not at all satisfied with the work and it didn't even meet the State of Maryland 's requirement. On XX/XX/XXXX the vendor, XXXX agreed to cancel the order and give me a refund. On the same day, I filed a dispute with Discover to ensure the this complaint was on record with them and that I wanted to get a FULL REFUND from the vendor and FIVERR. In to the complaint with Discover, I provided them with proof of the via XXXX communication with the vendor that he would give me a refund. On XX/XX/XXXX this message was posted to my Discover account " Dispute Resolved, Credit has been reversed. We have reversed a credit transaction which was previously applied to your account. This was done either because the merchant also issued a credit to your account, or because you recently requested us to close the investigation. Accordingly, we have placed the charge back on your account. '' Unfortunately, I didn't receive the credit from the merchant/XXXX and Discover didn't ultimately didn't reverse the charge of {$670.00} back to my credit card account. I have contacted Discover about the charge and my dispute, but they are refusing the do anything not even call back.
07/24/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • FL
  • 33467
Web
DISCOVER FIN SVCS LL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX : XXXX, XXXX, DE XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DISCOVER FIN SVCS LL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DISCOVER FIN SVCS LL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX
11/10/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • CT
  • 064XX
Web
On XX/XX/XXXX, I applied for a Discover Personal Loan so I could transfer the balance of my high interest Discover Card. I've been a Discover Card holder for 5 years, and they've made thousands of dollars off my high 19.99 % interest rate on a balance that's ballooned to {$12000.00}. I was denied and told HIGH UTILIZATION ON BANK REVOLVING ACCOUNTS LOAN TERM DELINQUENCY HISTORY ON BUREAU REPORT My credit history spans 28 years, 5 months. I have no delinquencies on my credit report. I believe this is retaliatory in nature. Two weeks prior, I'd contacted Discover via their app to ask for a lower interest rate. My credit score was XXXX, and I have no delinquencies to any account in my name. I was instructed to check for any balance transfer offers. But again, I asked for a lower interest rate. I was asked WHY I wanted a lower interest rate? I said who wouldn't! I asked again for a lower interest rate. This time I was asked what my reasons were ... .was I experiencing financial or personal hardships?? I repeated that I was requesting a lower interest rate. Guess what the customer service representative replied? " Great question! Are you asking for a lower interest rate on your existing balance? ". I told her I'd been asking her for a lower interest rate for 15 minutes. I was then offered two rates, 16.99 % for 12 months on new purchases or 9.99 % for 6 months on new purchases. I told her I wasn't interested in either. Then she tells me ... .get this ... .that she thinks the 0.99 % interest repayment program sounded like an amazing offer. WHAT? I wasn't offered 0.99 %! At that point she apologized and said she'd been taking care of two customers at a time and that the offer of 0.99 % wasn't for me. OUCH. No late payments, high balance, and five year payment history with Discover ... ..28 year credit history overall. Two weeks later, I applied for a Discover Personal Loan to pay-off my HIGH-INTEREST Discover Credit Card debt ....
05/12/2015 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • SC
  • 29609
Web
I discovered a Discover credit card that was opened fraudulently in my name. I notified Discover immediately and they sent me an identity theft affidavit package. I filled out the necessary forms, went to my local police department to file a formal report, and submitted all documentation to Discover. They called back a couple of weeks later to let me know that I had an outstanding balance. I explained that I was a victim of identity theft and had previously been told the account would be removed from my credit report ( which it was ), and that I would not be held liable for any balance. The representative I spoke with ( XXXX ), advised he had no identity theft affidavit on file. I explained I had already sent it. He put me on hold and came back to let me know that he had found the file and apologized for any misunderstanding. As part of the police investigation, the investigator ( XXXX XXXX ) suggested I take a polygraph test as that usually helps with these types of cases. I took the test and passed - meaning I told the truth and did NOT open this card. A couple of months later, Discover called to let me know they had completed their investigation, found no trace of fraud, and had OPENED ANOTHER ACCOUNT IN MY NAME as they are holding me liable for the balance of {$1200.00} ( which has now increased to {$1500.00} ). I gave no authorization for Discover to open another account in my name! They advised it was a " recovery account '' because they had closed the initial fraudulent account. This is a direct violation of my rights and fraud! I advised XXXX, again the same representative who called me before, that I had already filled out all the documentation they needed and even subjected myself to a polygraph test. XXXX said they were still holding me liable and I advised him that Discover had already told me I would not be liable. I have told Discover not to contact me any more and that I am considering filing charges against them.
10/10/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 33328
Web
I opened my account with Discover Credit Card in XXXX XXXX and made my payments on time until XXXX of XXXX when I lost my job. I informed Discover of this and they were more than willing to work with me. I found a job and started to make payments again and became the victim of Identity Theft and some of the payments were charged back. My account became suspended due to the payment history. I reached out to Discover the end of XXXX XXXX to find out what I need to do to get back on track and my account returned to active. I was informed on more than one occasion and by more than one person that all I needed to do was continue to make payments, bring the balance below the credit limit and that my account would be reviewed by the " system '' on a monthly basis to determine status. Today, XXXX/XXXX/XXXX after more than 90 days of making 3-4 payments a month for the last three months, setting up auto payment, and talking to countless Discover Employees, I was informed that my Credit Report has to be at {$0.00} for all accounts ( nothing in collections or showing a balance ). This of course I know is impossible due to the hardships that I went through I had no choice but to default on somethings because the companies would not work with me. I was NEVER informed of this and was MISLEAD to believe that if I continued to make payments my Discover account would be reinstated. I should have been told ALL the requirements that Discover looks at when reviewing an account and not just what they wanted to tell me in order to keep me paying to an account that will never be active again. I have been LIED to and this is FRAUD. During my conversation I also asked if there is a group that handles situations were the consumer has been LIED to and was told no. This is unacceptable. Discover has no idea, nor is it any of their business, why accounts on MY CREDIT report are in collections. This needs to be addressed so that it does not keep happening.
02/20/2017 Yes
  • Credit card
  • Billing disputes
  • NJ
  • 085XX
Web
this is XXXX her fiancee she is unavailable. I am requesting all copies sent to address of record and will be forwared as we will likely go to court. on this ALL ISSUES REMAIN UNRESOLVED WITH DISCOVER ACCOUNT IS ACCRUING LATE FEES LIKE NONE OF HER ACCOUNTS DO she has never had to stop paying an account due to lack of help here. nothing resolved. no dissatisfaction. disputing fees should not be taken off and as such will wait til its in default, then take legal action showing all attempts to resolve. All that happens is the complaints keep going to the same person who keeps stone walling and scriptiing to death NOTHING RESOLVED. return all letters saying the same nonsense. with no resolution. [ please see previous complaints. ALL complaints made to discover where a bank would reasonably have responded and helped a customer have not occured. Fees that would have been returned despite a Credit agreement ignored and refused, differnetial treatment as well Saying the " spcialty team '' has to get back to you. XXXX is not being paid until it defaults at which time we will take legal action. Others interest due to the refusal to help must be credited. A lawyer will be in touch shortly with discover. I ask this agency to take note that a law protecting consumers must be passed and contact with legislators on this has been made and i need all copies of complaints that are not resolved in any way sent to us. As of today XX/XX/XXXX there is a late fee AGAIN on XXXX A judge will see XXXX never defaults. this appears to be the only way to handle them. Now i will get a message saying some XXXX is " investigating '' and nothing comes of it. Any bank after 30 years of business would help. this one THINKS it will get the money we will go to court no fees, interest will be paid and when we call in no specialty team referral we get normal help or we dont call. A POA was filed as XXXX is currently hospitalized. i will not let this proceed this way
12/24/2016 Yes
  • Credit card
  • Credit card protection / Debt protection
  • MN
  • 55426
Web
I called the XXXX. They quickly transferred me to XXXX. Who once again immediately dismissed my claim. And stated that they just administer based on the warranty provided to them by Discover. XXXX provided me a copy of the warranty in place in XXXX. I questioned the language and showed him where I was confused based on his denial. He stated that he was not allowed to change or interpret the language. But was instructed to deny the claim based on the language. The language in question is that of a " Covered Purchase '' XXXX Warranty defines Covered Purchase as : " personal property, including gifts items, not otherwise excluded, that is purchased in full by the Insured Person using your Discover Card. '' XXXX Warranty defines Covered Purchase as : " personal property, including gift items, not otherwise excluded that is purchased by the Insured Person using your Discover card. " Yet still my claim is denied? The other language change added to the XXXX description included the line : " This coverage only applies if the Insured Person charged the entire cost of the Covered Purchase, less amounts paid with either cash, store credit, gift cards issued by Discover, or other noncard network branded gift cards, to the Insured Person 's Account during the Policy period. This coverage also applies to Covered Purchases that are paid via installment plan, as long as all installments due up to the date of loss have been charged or debited to the Insured Person 's Account. " It appears my exact scenario is what is described in the XXXX language ... And it is how I as the consumer interpreted the original XXXX language. Thus I used my Discover card and Discover rewards, along with a gift card to make the major purchase of a Flat Screen LCD TV. I now feel like the information was misleading and deceptive because I was not made whole by your third party administrator on the benefits that I believed came with my card when I made the TV purchase.
06/16/2016 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't decrease my monthly payments
  • MD
  • 21220
Web
I recently applied to discover student loans hardship program. In three separate occasions I have received an email back on informing me they could approve my l application because it was missing documentation. As I am unemployed I have to submit proof of eligibilty for unemployment. I have stated over the phone to various Customer Service reps at Discover that I do not collect unemployment as I am not eligible for it. I spent close to 45 mins on the phone with a member of the hardship program today, XXXX XXXX, telling them the same thing. What am I suppose to do now committed fraud to give them what they want. My cosigner has graciously agreed to pay them during the hardship period. They refuse to accept a signed letter from both her and myself stating such, but yet have asked her to submit the last three months of pay stubs and her most recent XXXX. From my understanding this hardship program will reduce the payments significantly over a 12 month period but they are making it difficult for those who need the program to get into it. My loan is set to be charged off at the end of this month. I have repeatedly told discover I can not afford to pay XXXX a month and need a lower payment. I get the strong feeling they are trying to push me towards a charge off and a possible lawsuit. I am not refusing to pay them I can not pay them XXXX. Rather than try to find alternatives that make sense, the Customer Service rep was going to transfer back to the charge off department, for them to harang me by telling me, I have pay XXXX by the end of the month if not my account is going to charge off. If I do n't have XXXX where am I going to get XXXX from. This hardship program would have saved me but I can not get into because they seem to think I am lying when I say I AM NOT ELIGIBLE FOR UNEMPLOYMENT. I can not keep waiting three months to come up with one payment. This has got to stop. How many ways can you say I can not afford this payment.
05/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 43232
Web
This account has been previously disputed multiple times and complaints filed with the CFPB with no resolution. The Discover Bank card account continues to provide different account information year after year. The various attachments to this complaint are provided by various credit bureaus to show how the payment history and account closure date and status change every year even when I dispute the information with Discover and XXXX with provided documentation. This account was paid and closed XX/XX/2021. It has continued to report different information between various credit bureaus ( XXXX, XXXX, XXXX ) which has had a severe negative effect on my ability to obtain personal loans for the continuance of my education. It has been stated on a recorded line by XXXX that it can be visually seen that the information is reporting incorrectly, but nothing will be done. This is in violation of consumer laws with the FCRA for " Treatment of inaccurate or unverifiable information. '' It states that If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I have requested Discover to correct the account, but that has failed. At this point, the account should be removed. I paid the account in full and was informed that the account would be closed after the last payment, but it was not. There was a random {$0.00} applied to the account from Discover months later which further delayed the closure of the account and the continuation of reporting inaccurate information.
04/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30318
Web
I took out a loan in XXXX of 2019 for {$5000.00} in XX/XX/2019 I paid {$4000.00} and put the rest on auto payment to be taken out at {$130.00} a month. The {$4000.00} payment was supposed to go towards principle and payments were to continue as scheduled the bank never took out any money out of my account for auto payments and notified me three years later that the payments were being deducted from that {$4000.00} amount so no payment was due I received no statements stating that a payment was due I signed up for online statements and every time I check the app the balance was zero so I assumed that the automatic payments were being deducted it was not until three years later that I was called and notified that the payment was due and upon notification I paid the balance of in full. I was charged an unknown amount of interest on payments that should have been made through auto payment and also they reported my account being 30 days past due in XXXX of this year. I spoke to a gentleman on XX/XX/XXXX and he notified me of this I immediately paid the balance that they said was due and asked for it to be escalated for review. I was also told on a recorded line that discover never reported my payments as delinquent To any of the credit bureaus as of that date and after the payment was made there would be no further action needed. A few days later I checked the loan account on the Discover app and it showed that I had a negative balance of {$.00} noted that the pay off of the loan was complete. Today on XX/XX/XXXX I received a credit alert stating that my account was 30 days past due and I noticed that there was a balance of {$24.00} on the loan account. This has caused me to drop my credit score via almost XXXX points while Im currently in the process of closing on the mortgage. I explicitly inquired about this on XX/XX/XXXX when I spoke to the customer service representative and I was assured that this would not happen but it did.
07/12/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • ID
  • 83713
Web
I made a purchase in the amount of {$1100.00} at XXXX XXXX XXXX on XX/XX/XXXX. Due to COVID-19 the vacation was delayed and eventually cancelled. XXXX refunded the amount of {$1000.00} on XX/XX/XXXX, minus the cancellation fee. I have called repeatedly for over a month inquiring about the return and was repeatedly told by Discover that the funds were never returned to Discover by XXXX. However, when I would call back to XXXX they would assure me that the funds were returned to Discover. In the process I have spoken to over 25 Discover associates and have been told either that they were looking into it and would call me back, but then I would never get a return call and would have to start all over, or they would forward me on through several associates until finally one would just tell me they did not have my money and could not help me and would refer me back to XXXX. I went back and forth between the two companies numerous times, with XXXX giving me more and more information about the return up to and including a screenshot of the refund capture screen. I have repeatedly offered to email on to Discover all the return information and proof I received from XXXX and was told by Discover that they could not accept emails. I finally managed to get someone from Discover to accept the emails 3 days ago and was told once again that they would look into it and call me back. This time I made sure they told me the date and time that they would call me back. It is now 4 hours past that time I was told they would call me back and I have not received a phone call nor have the funds been credited to my account. At this point, I am of the opinion that the company has no intention of ever returning my funds. Not to mention that I have been accruing interest charges on my account for these purchases for a month and a half even though they have had the funds the entire time. All I have received from their company is excuses, delays, and lies.
10/01/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 105XX
Web
I am resubmitting a complaint I made before since I believe I made it a little too complicated before and since then after speaking to attorney 's and doing research I confirmed that my rights were being violated by Discover Financial Services and I didnt point out how. I will include the same written documentation that I did before but this time perhaps your agency can see my complaint more clearly. This is SO easy to resolve. Discover is claiming that in XXXX of XX/XX/XXXXwhen I applied for a credit card that I VOLUNTARILY signed up for their propietary service Discover Protection Service. I am claiming that I did NOT. Due to this misunderstanding my credit score has gone down 100 + points. I am asking them to simply provide me with that original application with my Esignature that shows that did indeed sign up for this. They refuse to. They say its NOT possible. I know that is false and they are violating the Fair Credit Protection Act. They basically want me to sue them to get it and thats NOT fair. They know I am up against their attorneys and it will be very expensive to get that info so they figure Ill just settle and pay. Look IF there is a mistake and I did by mistake check off something that signed me up for that than I will have to live with my mistake and work out a settlement with Discover. But I have the right to see with my own eyes that application. I have spent 16 months overall dealing with this and countless hours on the phone and writing letters. Why am I getting the run around? With technology now a days there is no excuse and they could have provided proof to me 16 months ago. They keep saying '' I have not provided any new information " I am NOT the one that needs to provide new info THEY ARE.. What info do they need? They hold the cards I simply need someone to intervene and mediate this simple as that! I am reattaching my letters, I am sure you can sense the frustration I am going through
03/10/2017 Yes
  • Credit card
  • APR or interest rate
  • AZ
  • 85226
Web
I have been receiving mails from the Discover directly addressed to me with attractive introductory offers like 0 % APR for 14 months on purchases and balance transfers and it had a special invitation number for availing this offer. The expirstion date for availing this offer was mentioned as XX/XX/2017. It was also mentioned that it is a prescreened offer based on my credit report indicating that I meet certain criteria. On seeing all these wonderful false promises from Discover, I filed an application with Discover for a new card. And I got approved for the card but to my horror, none of the offers were applied to my account. I called the company to clarify the issue and even provided the invitation number that was in the mail. But they declined to provide me any offers and did not give me a valid reason for declining these. They only mentioned that the offers are based on credit and refused to provide further information. The only reason that I applied for this card was to avail the offers they had mentioned in the mail and it is very misleading. Either they should not be sending mails promising these offers or they must keep up the promise. I feel that they use these fake offers to attract customers and once they open the account, no offers are applied to the account and at this point the customer can not close the account as it would negatively impact my credit score. I feel that I am being tricked into applying a discover card and I now regret for having applied since the customer service is really poor. I would like to demand an explanation on why those letters are sent specifically to me and why I was denied these offers later. How did you get my information in the first place for sending those info and what did you mean by prescreened offers? What is the reason for making these false promises of you are not going to provide them in reality? I am sure that I am not the first victim and but I wish to be the last.
08/29/2016 Yes
  • Credit card
  • Payoff process
  • UT
  • 84084
Web
I paid off my entire balance of discover card that was stated in my last billing statement. My balance was over {$3000.00}. I made small payments on time for over 8 years until finally I was able to pay off the entire balance. Once the balance was paid off, I stopped recieving statements. I assumed this was normal since I paid the entire balance off. However, I recently checked my credit and it went from XXXX to XXXX. Upon investigation I found that Discover card had reported I had missed 4 payments and was delinquent. This troubled me as I was under the impression my entire balance was paid off. Discover card told me that I had {$45.00} dollars in interest remaining. When I asked why they did not send me a statement or call me notifying me after the first missed payment or telling me I still had a balance, they said my statements had been returned. However, I have not moved in over 5 years and my number is the same number they had, I even asked the representative to verify it for me. Prior to this issue, none of my statements had been returned. I was receiving them monthly. In fact, this is how I knew how much to pay off. Of course I would have paid the {$45.00} remaining interest had I known. I have never missed a payment, and was working hard to get out of debt. But unbeknowest to me, I still had a balance. I asked discover if they can fix this with the credit bureau, however they said it is too late because it is already reported. I feel this is extremely unfair. They can not report missed payments when they did not send any statements notifying me of balance for 4 months. I was under the impression the credit card was paid off and because I did not receive any statements, I had no reason to believe otherwise. Furthermore, they did not call or notify me once I missed one payment and y address and hone number has been the same for 5 years. I have been a loyal customer for over 8 years and feel this was dishonest and unfair.
01/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30101
Web Servicemember
Im a victim of identity theft my information was leaked on the dark web by XXXX Im in the process of going through arbitration, my information has been compromised and used to establish fraudulent accounts in my name, I want this account with discover bank removed from my credit report, or I will seek arbitration to recover damages from this account being open, all my identifying information has been leaked I can provide evidence of that data breach and my information being compromised, example the IRS now considers me a victim of identity theft because someone tried to file a fraudulent tax return in my name try to defraud the government out of thousands of dollars to also show you i filed a police report against XXXX XXXX also because Im identifying information was used to open accounts in my name and a detective guy said numerous accounts were open im just showing you that I am in fact a victim of identity theft .experian please remove these accounts, i have sent a police report showing I am a victim of identity theft, i have now started arbitration against XXXX XXXX and XXXX for compromising my information im sending attachments so you can see I have did my diligence with this situation im also up loading a letter from thf IRS letting me know that XXXX am a victim of identity theft someone tried in XXXX of 2022 to file a fraudulent tax return and tried to defraud the government out of thousands of dollars now I have to use identity theft pin so when I file taxes I have to use that pin so I can identify myself, please remove these accounts XXXX XXXX from my file , Im also showing I have demand for arbitration against XXXX for compromising my information and leaking it on the dark web .my information is on the dark web I can not get that information back and now Im suing XXXX because my information has been used to open and establish fraudulent accounts in my name .please remove XXXX XXXX, discover bank, XXXX XXXX XXXX XXXX
10/21/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • NJ
  • XXXXX
Web
I am reporting a violation of FDCPA by debt XXXX- XXXX, XXXX XXXX XXXX XXXX who have filed a complaint against me in the XXXX XXXX XXXX XXXX. I received a summons from XXXX XXXX - XXXX XXXX XXXX dated XX/XX/2022. The document stated that I was being sued for more than {$15000.00}. I had never been contacted by a debt collector regarding this alleged debt as is required in the Fair Debt Collection Practices Act ( FDCPA ). I was unable to have the debt validated by this firm. I do not believe that I owe any debt to this debt collector. I received a summons from the court as the initial notification of a debt of which I was unaware. XXXX, XXXX XXXX XXXX, XXXX were previously known as XXXX XXXX XXXX have violated the Fair Debt Collection Practices Act in the past and have been fined {$1.00} XXXX in civil penalty by the Consumer Financial Protection Bureau for their repeated ongoing deceptive and abusive practices in violation of the FDCPA. These debt XXXX- XXXX, XXXX XXXX XXXX, XXXX never contacted me to notify me of the debt they are alleging I owe them. They never validated or verified the debt and instead filed a complaint summons in XXXX XXXX XXXX- against me. I am disputing the actions of this agency. I have no knowledge that this is a valid debt. I responded to the court with my ANSWER and these lawyers ( debt collectors ) filed a Motion to Strike my Answer. I have opposed their Motion to Strike my Answer and filed an amended ANSWER. Now they have filed a Motion for XXXX XXXX. I have filed a Motion Opposing Summary Judgment and they have provided documents to the court which are UN-REDACTED and contain not only my Confidential Personal Information but more than XXXX transactions which include XXXX XXXX which violates HIPAA Act and I plan to files federal charges against them with XXXX XXXX. Please investigate XXXX, XXXXXXXX XXXX XXXX, XXXX. My detailed information is contained in the court documents which I have attached.
07/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • IN
  • XXXXX
Web Older American
My complaint is actually with a Discover Bank policy. Specifically, I went online as I wanted to dispute a debit card transaction ( have already tried to contact the payee, run-around ). I went online to do so and clicked to dispute it ( see attached screen print ). My question/complaint is... In this day & age when companies WANT, BEG, REQUIRE you to do everything online, WHY does Discover Bank REQUIRE you to phone in ( and potentially endure long hold times, etc. )? Not to mention, doing by phone leaves me, the customer, with NO proof or evidence that I filed the dispute... online would ( even if it's just screen prints ). And then, when I did call in, by now my first question was just this, Why was I unable to do online, why was I required to call in. Much to my surprise, she was unable to answer my question without first verifying me. I then inquired WHY did I need to be verified for a general, non-account-specific question? Long story short, she was going to transfer me to tech support. I stated " Tech support doesn't make your corporate policy, that comes from management... they only right the code required to implement/follow policy. '' She then transferred me to another person ... This XXXX lady 's answer to my question was, " because that's our policy! '' She further, rather rudely, informed me " Your company can make their policies, but we have ours. '' This is very true, and I fully agree every company/business needs policies and procedures. However, they should make sense. Requiring someone to verify before answering a GENERAL, NON-ACCOUNT-SPECIFIC question makes absolutely NO sense! Also, " because that's our policy '' also does NOT answer the " why '' the policy question! She then transferred me to ... I held awhile waiting and finally hung-up! A TOTAL waste of my time on this entire phone call, and I still don't have the dispute filed yet... it would've been done long ago if I could've done online.
02/15/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 11216
Web
XXXX XXXX XXXX XXXX has a long history of credit card collection maleficence and abuse of the legal system. They failed to serve me a suit with the Index number in XXXX XXXX, NY of XXXX. Their process server filed a perjured Affidavit of Service on a date I was out of state during recovery post XXXX XXXX XXXX. Additionally, the server 's description of the servee was fictional. XXXX XXXX XXXX was informed of this fact and followed up with a revised perjured Affidavit of Service that was attached to a picture of a house that is not mine, updated with a description of said recipient only after I appeared in court and used accordingly. Their revised Affidavit of Service documented their use of perjury to confirm service. It included a picture of a building that is not my house, as well as a cell phone picture was taken of me with an illegible piece of paper taken MONTHS AFTER their initiation of a case and not on the date and time they claim I was served. The Affidavit of Service CLEARLY states the date of service as well as the time of XXXX XXXX The photo that was shot MONTHS LATER, clearly shows the time shot as XXXX XXXX XXXX '' so it is quite obviously not the date and time that is stated in the Affidavit of Service. Additionally, XXXX XXXX XXXX have ignored filed discovery requests including supplying copies of bank statements that cover the time period of the amounts they claimed are owed to Discover Bank. I had to appear in court to answer this action at times I was in the middle of an XXXX daily session of XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ignoring discovery is a willful attempt to keep me from validating the amount they claim is owed to Discover Bank. I have knowledge and documentation of refunds owed to me by Discover Bank, as well as documentation of {$1200.00} of funds transfers that did not arrive at the directed bank and were not credited back to my Discover Bank checking account.
07/12/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NY
  • 14534
Web
I have a Discover credit card originally opened in XXXX in which I have a {$15000.00} credit limit and have used my limit. My current annual income which has remained the same over the past couple of years is around {$50000.00} - {$55000.00} I tried to contact Discover as I am currently going through financial hardship to see if we can settle on a lower balance as I feel Discover should have never approved me for such a high credit limit based on my income, it was only so they can charge me a lot of interest. I have other credit cards through XXXX, XXXX, XXXX bank, XXXX these lenders have given me credit limits from {$1500.00} to at most {$4000.00}. All the credit issuers use the same criteria such as income and cost of housing so I don't understand why Discover approved me for such a high credit limit which I now find difficult to pay and get out of debt. I believe it was so they could charge me a lot of interest.Back in XX/XX/XXXX Discover raised my credit limit from {$13000.00} to {$15000.00} without me requesting it and also approved me for another Discover credit card in XX/XX/XXXX with a {$4000.00} credit limit. I assume responsiblity as a customer, all that Discover offered me was to lower my interest rate on my credit card to 9.99 %. I feel that based on my income of {$50000.00} - {$55000.00} Discover should have never approved me for a credit line of {$15000.00}. The interest rate being so high has led to all my payments going to towards the monthly interest that ranged in {$250.00} range, making it impossible to pay my balance down. I have been a good customer never making late payments, always at least paying minimum, I believe that offering me a high credit limit was not done for my benefit but theirs, as they knew my income had stayed the same, but increasing my limit throughout the years without me asking them to and charging me a high interest rate, ensures they can make the most money off of me as possible.
10/27/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a company's investigation into an existing problem
  • Problem with personal statement of dispute
  • NV
  • 89031
Web
I am writing to file a formal complaint against Discover regarding their mishandling of my identity theft claim. Despite providing evidence of fraudulent charges on my account and filing multiple disputes with Discover 's fraud investigation department, my claim was unjustly denied. This denial has had severe repercussions on my credit standing and financial well-being. The crux of the issue lies in Discover 's disregard for the fact that my phone, through which the fraudulent charges were made, was stolen. To rectify the situation, I took immediate action by changing my phone number, email address, and other contact information associated with my Discover card. However, Discover failed to acknowledge these changes and instead attempted to contact me through the old, stolen phone number, thus impeding their ability to reach me regarding this matter. Furthermore, Discover 's claim that I paid for the charges is baseless and unfair. It is common knowledge that failing to pay credit card balances would result in the closure of my account. This does not justify denying my claim, as it is evident that the charges in question were fraudulent and unrelated to my legitimate financial activities. In efforts to substantiate my claim, I provided Discover with a police report confirming the theft of my phone & other property, as well as evidence that clearly demonstrates the fraudulent nature of the charges. Despite these measures, Discover failed to conduct a thorough investigation into my case until XXXX, even though it was initially promised for XXXX, XXXX & XXXX. In the meantime, I have been burdened with recharging for the fraudulent charges that I had already paid while awaiting the completion of the original investigation. This ongoing situation is significantly impacting my credit and causing further financial distress. Thank you for your attention to this matter. I look forward to a swift resolution and fair outcome.
10/21/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MO
  • 644XX
Web
XXXX XXXX XXXX I purchased a vehicle from XXXX XXXX -The vehicle was described as " good running vehicle, no mechanical issues except a TPMS '' -When I received the vehicle it was in complete opposite condition. The vehicle had blown headgaskets, blown motor, missing driveshaft, and many other things totaling over XXXX dollars worth of repairs. -I immediately contacted XXXX XXXX. They refused to refund me and take back the vehicle. XXXX XXXX XXXX I contacted discover to dispute the XXXX charge that I put on my credit card to XXXX XXXX. ( the total was XXXX however XXXX only allows XXXX XXXX to the credit card ). The rest was done via wire transfer. -Discover first ruled in my favor, then against, then in my favor, then against. They refused to re open the dispute although I have provided more than sufficient documentation showing that I was sold something other than what was described. -Discover told me since I signed an " as-Is '' statement that the charge is valid. However the as-is statement was signed on false pretenses of XXXX false advertisement. -If I had known that vehicle was in complete inoperable condition I would have never signed that document. XXXX commited fraud. -I have attached documents that discover has already. They range from the following : -Email conversation between the seller and I where they assure me the vehicle is in good mechanical condition with no issues other than the TPMS XXXX -Pictures of the vehicle the day it arrived. -Pictures of the vehicle showing oil leaking while still at the sellers location ( provided by the shipping agency ). -Pictures of some XXXX correspondence between XXXX and myself where XXXX is knowingly admitting to their negligence in reporting issues with the truck in regards to it missing a driveshaft. -Pictures showing an advertisement for another vehicle listed as NON OPERABLE, however the vehicle I purchased was listed with the only issue being a TPMS.
08/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 33611
Web
I recently did a balance transfer from a XXXX account to my Discover Card in XX/XX/2023. The Discover Card had no balance before the transfer but I previously had setup automatic payments to pay in full. At the time of transfer, I had not changed the automatice payment from full to minimum payments. As a result, the full amount was paid and my account was overdrawn. I called Discover who suggested I call XXXX to stop payment. We called and did stop payment. For the month of XXXX, I setup a automatic minimum payment going forward. I called Discover and confirmed that I had setup the account correctly. I also asked the representative if this payment would put the account status back in good order. They told me yes. A few weeks later I got an alert on my credit report of a delinquent account and my score was reduced by XXXX points. This took my credit from very good to poor. I called Discover and spoke with a XXXX specialist who was going to listen to the calls and get back with me in a few days. It's been about three weeks and I haven't gotten a call back. I've been calling every week and when I call they say someone will reach out to me. I'm XXXX XXXX XXXX and have never missed a payment in my life. I've been a long time custmer of Discover. I never got a phone call or mail from Discover telling me there were any issues with my account prior to their credit reporting. And when I called to inquire I was told everything was fine. I called again today and was told I needed to make an additional payment or my account would be flagged for being late 90 days. I've been calling for three weeks about this account and this is the first time anyone mentioned an additional payment. What is going on? I made the additional payment. And again I was told someone would be reaching out to me after they listened to the recording. I've been told this for over two weeks now. Meanwhile my credit is ruined and Discover won't address my issue.
08/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 33611
Web
I recently did a balance transfer from a XXXX account to my Discover Card in XX/XX/2023. The Discover Card had no balance before the transfer but I previously had setup automatic payments to pay in full. At the time of transfer, I had not changed the automatice payment from full to minimum payments. As a result, the full amount was paid and my account was overdrawn. I called Discover who suggested I call XXXX to stop payment. We called and did stop payment. For the month of XXXX, I setup a automatic minimum payment going forward. I called Discover and confirmed that I had setup the account correctly. I also asked the representative if this payment would put the account status back in good order. They told me yes. A few weeks later I got an alert on my credit report of a delinquent account and my score was reduced by XXXX points. This took my credit from very good to poor. I called Discover and spoke with a XXXX specialist who was going to listen to the calls and get back with me in a few days. It's been about three weeks and I haven't gotten a call back. I've been calling every week and when I call they say someone will reach out to me. I'm XXXX XXXX XXXX and have never missed a payment in my life. I've been a long time custmer of Discover. I never got a phone call or mail from Discover telling me there were any issues with my account prior to their credit reporting. And when I called to inquire I was told everything was fine. I called again today and was told I needed to make an additional payment or my account would be flagged for being late 90 days. I've been calling for three weeks about this account and this is the first time anyone mentioned an additional payment. What is going on? I made the additional payment. And again I was told someone would be reaching out to me after they listened to the recording. I've been told this for over two weeks now. Meanwhile my credit is ruined and Discover won't address my issue.
03/26/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MI
  • XXXXX
Web
DISPUTE CASE # XXXX {$150.00} I placed an order with a merchant when I received the order one of the shirts were too small and the other items had gotten wet they were damaged I don't know if it was water or what it was but they arrived at my home wet I immediately followed all the merchants return procedures and began to return the merchandise with their shipping label they received the merchandise and have been giving me the run-around ever since this is when I turn to discover to help me get my money back I've given discover the information that they've asked for they have the tracking information I explained in detail what had happened and I even sent a follow-up email to discover adding a little bit more information instead of just taking that information they told me I needed to call or I needed to mail it in there's nothing really to mail-in I'm just giving you more information I'm giving you my account of what happened we've gone back and forth discover and I it shouldn't be this difficult just to give them information I mean so far they've done nothing my most recent email came from a woman named XXXX she informed me that she closed my case because she saw a credit on my account from the merchant the trouble with that is she didn't bother to really pay attention there were two separate transactions with this Merchant two separate orders that have absolutely nothing to do with one another the refund she seemed has to do with the original order again not disputing that order don't have any problems with that order on the other hand the other order is the order I'm having issues with in the one that I attempted to dispute I would love for somebody tell me why XXXX closed my case I can't help but wonder if it's because she's not paying attention to get rid of me that you didn't bother to see that that credit had absolutely nothing to do with my dispute terrible customer service XXXX clearly needs some more training
09/06/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • IL
  • 60148
Web
Several fraudulent credit cards were opened in my name, while I was incarcerated. I believe that a family member and/or friend of the family opened said accounts and utilized their proximity to the multi-unit residence that was once my address also. I was incarcerated between XX/XX/XXXX and XX/XX/XXXX, Ive provided the below listed creditors with official documents from the local sheriff, letter of Incarceration detailing the time period I was in custody ; yet Discover financial refuse to remove these fraudulent accounts from my credit files. This has affected my ability to get a car loan, and other necessary credit and housing accommodations. Discover acknowledged that one of the charges on the fraudulent account opened in my name, reflected a charge to XXXX a money transfer service for incarcerated individuals, where money had been sent to me, and another unknown individual. This in itself evidences, the fact that I was incarcerated, and someone sent money to me ; ( likely one of the many family members who I requested money from while incarcerated ) However their ( creditors ) illogical rationale for stating the account is legitimately mine, is because some lowlife family member sent me money, from a fraudulent card they had obviously gotten in my name! I have requested that both creditors, Discover financial, review the 1 ) .written application for credit, 2 ) .the voice recording ( if the application was done via telephone ) and/or 3 ). the IP address from the electronic device/computer that completed the application ; which will prove that someone other than myself, who had ABSOLUTELY no authorization for me, opened these accounts fraudulently! The other fraudulently opened accounts, bank accounts, and utility accounts which were all opened fraudulently by someone else during the period of my incarceration ; have been removed after I provided those companies with the same documentations Ive sent to Discover!
04/20/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • GA
  • 30052
Web
My Discover Credit Card was stolen and used at various retailers on XX/XX/2018 at the stores XXXX, XXXX XXXX, XXXX XXXX, and XXXX which totaled to the amount of {$4400.00}. I quickly reported the issue to Discover who then gave me a temporary credit while they investigated the case. Initially, they stated that I had provided all I needed to provide, but I was then contacted in XXXX by Discover with them requesting a police report. I filed a police report with the XXXX XXXX Georgia Police Department and forwarded the information to Discover who stated that they would contact the Police and get their investigation completed. I was contacted in XXXX by Discover stating that they were unable to verify the police report information when they contacted the Police Department and were requesting I help get that contact information relayed. I contacted the Police department and received a new police report number which I forwarded to Discover in XXXX along with an entire copy of the police report by fax. Discover again contacted me in XXXX and stated that they were unable to get in contact with the department, so I contacted the department again which gave me a new number to send to Discover. After sending the information to Discover in early XXXX, I contacted Discover for a followup on XX/XX/XXXX whom stated that they did not receive a callback from the police department after leaving a message, so they left liability of the fraudulent charges in my name. I requested they call the police department with me on the line so we could get this dispute resolved, but I was told that they would not do that as they felt they had performed due diligence already into the matter even though they have never actually been in contact with the Police Department of the 5 ongoing months of this dispute and Investigation. I have done my best to work with Discover and complete any actions they requested on my part while they are not doing theirs.
03/12/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 75206
Web
On XX/XX/XXXX, I bought two XXXX the musical tickets from XXXX XXXX XXXX for a show on XX/XX/XXXX @ XXXX at the XXXX XXXX in XXXX XXXX. After I bought the tickets, I was sent an email saying someone wanted to transfer my tickets through XXXX for a showing onXX/XX/XXXX @ XXXX ( notice this isn't the correct time - and there wasn't even a showing at that time ). On top of that, the link was broken. I called XXXX XXXX to tell them the situation, and they were confused why I would receive an email from them when I bought the tickets on a different sight. They said their service isn't used in such a way. Therefore, I emailed XXXX XXXX XXXX. I only received an automated response that they would get back to me. However, they never got back to me. From the automated email, I noticed that there was a company name " XXXX XXXX '' from the XXXX. I searched around on XXXX, and many results came up commenting that they are a scam that make legitimate looking site for shows and musicals. ( The real site doesn't have dashes in it XXXX XXXX XXXX/ ... It's easy to confuse ). Long story short, I protested the charge with Discover for {$190.00}. The first time they reviewed it, they sided with the merchant. Therefore, I uploaded documents including emails I received showing the broken link and things I found on XXXX showing that this company is a scam. Again, they reviewed it and sided with the merchant! How could this be? They told me the merchant claims that I received tickets via email. However, I already told Discover that the link they sent me was broken, and I never actually received tickets. Also, the tickets they supposedly sent me were for a time where a showing didn't even exist. They said they're going to give it 90 more days for a final review. I've spent several hours trying to get this correctly resolved and sending all the proof I have. Yet, somehow Discover is protecting scammers from the XXXX instead of the consumer.
09/30/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • NY
  • 10023
Web
Discover Bank has failed to be transparent regarding their fees and services since I have opened an account with them less than 30 days ago. On XXXX, I opened a checking and savings account with Discover Bank and initiated a transfer to fund my new account. There was some " system error '' on Discover 's part that listed me and myself as both the primary and joint account holder -- leaving my husband completely out of the account and 2 cards arriving to my house in both my name and my name. It seems reprehensible that a banking institution could make such an egregious mistake using someone's social security number. Furthermore, I remained with Discover but with so many issues that I am forced to close my account within the first month. My first transfer took almost 7 business days ( 1.5 weeks ) to process. I called to inquire about this long time frame and was promised this is only the case for the first transfer. However, ALL of my transfers since have been the same processing time or even longer. Even debit transactions take 3-7 days to process with Discover when XXXX and other banks process the same day. Moreover, I deposited a check via mobile deposit from my employer. The bank website states that " deposits made before XXXX XXXX will be available same day ''. I made the mobile deposit at XXXX XXXX on XXXX and was notified that my funds would not be available until XXXX. This is the most insane policy and processing time I have ever experienced with blatant lies stemming from their website. Discover Bank should not be allowed to hold funds for this time period without making it OBVIOUS that this is the case. Nowhere on the website does it state that your funds will be held for over 10 days. The bank says that they are " XXXX FEE '' and the agents on the phone will emphasize this. However, it's not true and again -- lack of transparency! I was charged for ATM withdrawals even though they are " XXXX FEE ''.
04/10/2017 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • TN
  • 38104
Web Older American
I had my XXXX bag stolen on XX/XX/2017 in XXXX, TN. On XX/XX/2017 I reported to XXXX and to XXXX XXXX XXXX, Discover and others of the thief online because I have hearing impairments in both ears. On XX/XX/2017 Discover sent to me a confirmation number stating that I requested to have {$600.00} removed from my checking account when I was at a police station, then at a XXXX to get an affidavit, then back to the police department. In other words at XXXX I was first too tired to request a withdrawal and secondly, I would never request for such a hugh an amount unless won the lottery which I do not play or became rich over night. I only authorized for Discover to withdraw {$220.00} for that month and that was it. Later that month Discover tried to withdraw {$1000.00} then days later {$6000.00}. My bank allowed Discover to withdraw {$220.00} and then {$600.00} which Inever I never approved of. After I filed a complaint to BBB the {$1000.00} and the {$6000.00} request were withdrawn and my bank charged me fees to reverse something I never approved. I did not have any more money in my checking account after {$1500.00} was withdrawn to XXXX and Discover which took the monies and placed them on my stolen cards. Both banks closed my manageable accounts so that I could no longer print or view what had happened. Both banks have not requested for payments on either cards stolen since XX/XX/XXXX even though my credit reports state that I still owe both banks. XXXX has not requested for my Visa XX/XX/XXXX payment even though I indicated an amount to be paid. Now my XXXX master card has {$1000.00} on it while it did not prior to the thief. XXXX also approved an increase on XXXX card after it had already turned me down a month earlier. I have both emails. I have not received any mail in regards to my debt either from either company. I do not have my special equipment to receive or make calls so what can I do? Thanks. XXXX
09/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 19038
Web Older American
Hello, Im a co-signer on my daughters student loans with Discover Student Loan. She became delinquent while trying to get her unemployment monies during COVID. She called Discover numerous times to go on record letting them know she was trying to get the pin number re-set on her funds from Unemployment Compensation. She had {$2000.00} in Unemployment Money that would have paid her student loans. She was laid off due to COVID. Unemployment was inundated with telephone calls, and it was practically impossible to get through on their phone lines. She was never offered help through Discover. They found multiple call logs from my daughter calls/discussions with their representatives to insure she would be paying. She was assured by a Customer Representative that she would not be turned over to the Credit Bureau. If she had been informed otherwise, I would have stepped in and paid the loan as I am the Co-Signor. Anyway, we spoke w/Discover multiple times, and they admitted an Employee stated this to my daughter in error. They stated they contacted the Credit Bureau to request the reporting be updated, and were advised that there is nothing that can be done to change the reporting. I am not confident that they actually took this step. We received so much misinformation, no call backs, and representatives that stated they could not speak to me, etc. I really do not trust that they made any attempt to correct the reporting. They record all of their calls, and they found the conversation, yet the refused to take responsibility for the misinformation. Anyway, shortly after that statement from their employee my daughter received her unemployment and paid the past due amount bringing the account up to date. This is a case of a company not offering any leinency during COVID, and more importantly not standing behind the information that THEIR employees provide to their customers. Please provide feedback to my request. Thank you!
09/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CT
  • 06611
Web
XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Discover, XXXX XXXX XXXX XXXX XXXX XXXX Bank, have all used the arbitrary consumer reporting system to discriminate against me, violate my privacy and violate my consumer right to obtain credit. I recently reviewed my consumer report and disputed violations of my consumer rights to privacy without satisfactory results. My dispute about privacy violation was met with responses about accuracy of reporting information. They never denied violation of my rights instead choosing to disregard it. Under Title 15 U.S.C. 1681a ( i ) the consumer report does not include information as to transactions or experiences between the consumer and the person ( creditor or corporation ) making the report. 15 U.S.C. 6802 states that a financial institution may not directly or through any affiliate disclose non public information to a third party ( such as the consumer reporting agencies ) without my written consent. Hard inquiries and latenesses clearly constitutes non public experiences solely between myself and a financial institution/creditor and as such must remain privatebe safeguarded and protected. XXXX of my information requires that I ( the consumer ) be given the opportunity before that information is initially disclosed to direct that such information NOT be disclosed to a third party. Theyve denied me my right to privacy and to exercise my non disclosure option and in reporting what amounts to private ( non public ) experiences between me and a financial institution have caused me harm/damage in pursuit of credit. I invoke my consumer right and formally request with this written letter the removal of hard inquiries and derogatory negative private information currently disclosed on my consumer report file within the allotted 30 day period. Their failure to comply with my initial written request constitutes willful noncompliance and makes them liable for damages to XXXX XXXX. XXXX.
10/19/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • IL
  • 60657
Web
I have been paying back my XXXX student loans to Discover/XXXX for 13 yrs. This XXXX I was able to pay the entire balance ( ~7000 ) of my 6 loans. Though even this was tricky : it was hard to find a payoff balance and there was no button to pay off the entire balance ( it was unclear if my balance included any final interest ). So, I applied money to each loan in order to pay off the balance of each one. After a few days I see a balance and a min. payment of XXXX. I contact Discover and ask if I need to pay that ( the day previously, I had balance of - {$1.00} ) .They said no ; they had calculated an overpayment for 5 of the loans, but they would automatically apply that to the 6th loan within 30 days. A few days later, I get 5 checks from Discover, totaling XXXX. I checked my account and the only thing that was there was the {$55.00} payment that the woman told me not to pay. So, I thought I was fine to keep the money. On XX/XX/XXXX, I get a late payment notice, saying I still have a balance on that 6th loan ( in the exact amount of the money sent to me ). They have admitted to me that Discover made a mistake and misapplied the money I paid. They chastised me for not keeping better records. I told them what I could see in my account : that I made all of the payments and that they added up to the loan payoff balance, that 5 of my loans had a negative balance and that one loan had a positive balance, but that the total balance was negative XXXX cents. But they kept referring to what they could see on their end : how all the money was disbursed, that the overpayment checks were dispersed, etc. This doesn't seem fair from a consumer perspective to blame me if I don't have that info available. Up until a few days ago, I thought I had paid off everything. The opacity of the documents that their customers have access to is incomplete and confusing, and therefore they can just make the data mean whatever they need it do.
09/08/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 934XX
Web
Date Purchased - XX/XX/2018. Amount- {$570.00} I was scammed by XXXX XXXX, not only was the essay completely wrong, but it was given to me AFTER the due date of the assignment. This completely defeats the purpose of this 'service '. I also told them to cancel the order multiple times in advance and I assumed they stopped all work on it yet they continued all work on it. This is totally unfair and I'm the victim here. One look at their reviews online and you could see that as well. Besides the fake reviews they've planted online, there are many XXXX threads of people who've been scammed. I attached the emails and it should be so obvious that I was the victim just by going over them. Also, when sending the invoice i was promised a delivery by XXXX XXXX on XX/XX/2018. It was delivered after this deadline and was also incorrect. If nothing else, at least see that they violated the billing info contract. The merchant did not allow me to refund. I requested a refund multiple times well before the deadline. They gave me blanket responses such as " We'll escalate your concern to one of our admins who has the authority to issue a refund and will get back to you as soon '' when I told them to cancel and refund all work. They kept working without telling me. In addition to this they promised me that " The paper will be done and delivered by your deadline. " which is again false. As you may know, long projects have deadlines. They failed to meet this and also provided sub par work that I DID NOT EVEN USE. That's why this is an invalid purchase. I don't know what else I can provide but I'm struggling to find a reason as to why no one can see that I got scammed. Discover and XXXX both were useless, talking about how the charge is valid. Well of course it's authorized by me, but it was not what I ordered nor did it come on time. How is it valid in that regard? Posting on CFPB is my last resort and I can only pray for the best.
06/12/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • ND
  • 58102
Web
On XX/XX/2022, I was charged {$7500.00} to my Discover credit card. I saw the charge during the night, but did not call until I woke up for the day around XXXX. I called Discover and they immediately closed the account and started the fraud investigation. After doing their research, they determined it was an authorized purchase because of my card was not reported as stolen, I was in the geographic location of the purchase, and that I sent them a confirmation text which I do not recall ever sending. I have sent Discover a screenshot of my account statement where the transaction says for the above amount. After they concluded their investigation, they posted {$9000.00} to my account, and the reasoning behind the extra {$1500.00} was that it was a " tip for services '' that was not posted before the account was closed. After asking for the receipt so I can verify my handwriting and signature for the purchase, the merchant ( XXXX XXXX ) and Discover have failed to provide any documentation. The failure to produce simple documentation such as a purchase receipt is good evidence this is fraudulent activity. The same night, two of my other credit cards were tried for {$3500.00} and {$2500.00} respectively. Both those cards blocked the transactions and sent me new cards and that was the end of it. My Debit card was also used that night to make two {$400.00} purchases which Mastercard investigated and all that money was credited back to my account upon the completion of their investigation. My bank 's investigation and ultimate ruling in my favor for two fraudulent charges that occurred the same night as this Discover situation should be a good indication that what was happening that evening was not me. Someone was charging my cards without my authorization and I would verify much appreciate seeing the documentation where I signed off for a purchase of {$7500.00} with my handwriting of a {$1500.00} tip on the receipt.
11/10/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NY
  • 11231
Web
During the Pandemic, I pro-actively reached out to all my creditors because we were mandated closed by the New York State. I communicated with my creditors about payments and what I could do while we were shut down about minimum payments. During this time they kept reassuring me that they understood and would work with me. There were days that I had to wait for XXXX hours on the phone trying to contact each vendor just to reach someone. I paid each creditor in full - all balances, interest, fees. I was told that upon payment that my account would show a positive payment status and history. I even asked them how they were going to report this to my credit bureaus. They all said that the account would show as being Paid in Full. However, this was not accurate or true. Based upon my review of my credit reports- They did not apply any PANDEMIC RELIEF or HELP to any months where I asked. They were recording every month as paid late. OR in one case even though the account was paid in full : The status was charged off. It was not until I asked them after making the payments why this was the case- when they each had indicated that due to the pandemic they would be providing some months of forgiveness and reduce the number of months that showed as late. In addition, my credit reports did not reflect for months afterward, the fact that each and every XXXX was paid to the creditors. I lost Business in the pandemic that I built for 20 years. I clearly know what it means to sacrifice and make changes. Each of my creditors was not cooperative nor were they transparent in how they were going to report my payments, final payoff, or any of the details that are negative on my credit report. If this is not resolved in a reasonable manner, I have hired an attorney and I will be suing each creditor and the credit reporting agencies for damages in STATE and FEDERAL COURT if I did not get a satisfactory resolution to this.
04/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32952
Web Servicemember
For three years Discover Card refuses to remove or correct the incorrect reporting of a duplicate Discover card debt of XXXX. Discover claims I have a total debt of XXXX on two seperate cards and that they are being paid on time seperately! This is wholly untrue. I only pay one card, one payment, automatically, via my XXXX account on the 15th of every month, as I have forever. I DO NOT AND NEVER HAVE had two cards or two payments! Discover CSR says their computer has records that reflect back to three years ago of my requesting they repair this issue. Last year, the same, no change. Last month they said they would handle it. Now Discover Card claims its possible someone else listed me on some other card. This is a false statement by Discover Card. No information has been made available to me to validate their THEORY. This is a tech problem at Discover cARD AND THEY REFUSE TO LISTEN TO LOGIC! The evidence and information available to all parties is as clear to anyone with a smidgen of logic. Despite multiple verifiable requests Discover Card continues to shirk responsibility for ruining my credit and consequently my personal & financial life. My credit has been ruined for three years despite transparent evidence on all my credit reports that I have been paying or paid off multiple reported debts completely. All Credit reporting agencies continue to reduce my credit score. There is a direct correlation between my poor credit and my inability to secure loans due to Discovers error. They continue to excuse their bad behavior with nice talk and get NOTHING DONE! I am seeking counsel in order to secure restitution from the XXXX dollar company that appears not to care about people, the very reason they are in business in the first place! XXXX REPORTS TWO DISCOVER CARDS YET THERE IS ONLY ONE!! XXXX XXXX Last reported : XX/XX/2019 {$12000.00} Good XXXX XXXX Last reported : XX/XX/2019 {$12000.00} Good
10/24/2019 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • NV
  • 894XX
Web Servicemember
I have two loans through Discover student loans. 1 in repayment, 1 still deferred. Despite being on autopay of XXXX/mo with a due amount of XXXX.mo plus an additional XXXX/mo being paid by my employer, and payment history showing the details listed below. There is no progress on the first balance. The latest statement shows an original combined balance of XXXX with a current balance of XXXX. Yet also somehow another XXXX grand in " deferred interest. '' I have made a total of XXXX in payments. Yet the first loan balance is only down by XXXX dollars. I believe there are fraudulent banking practices going on which essentially take the payments and apply them towards an ever-increasing interest ( clearly NOT 6 % ) and only minimally crediting the actual principle. This was not the case with past student loans. I think you have a duty to protect students from this usury. I will forever be an advocate of steering clear of these fraudulent loans. If there is ANYTHING you can do to get the proper credit applied to my loans I would appreciate it. Information as of XX/XX/XXXX Date Acct/Loan Status Amount Payer Payment Source Payment Confirmation # XX/XX/XXXX Acct XXXX Paid {$98.00} XXXX XXXX Payment XXXX XX/XX/XXXX Loan XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Loan XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Acct XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Acct XXXX Paid {$98.00} XXXX XXXX Payment XXXX XX/XX/XXXX Acct XXXX Paid {$98.00} XXXX XXXX Payment XXXX XX/XX/XXXX Acct XXXX Paid {$98.00} XXXX XXXX Payment XXXX XX/XX/XXXX Loan XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Acct XXXX Paid {$400.00} Payment XXXX XX/XX/XXXX Acct XXXX Paid {$100.00} XXXX XXXX Payment XXXX Information as of XX/XX/XXXX Date Acct/Loan Status Amount Payer Payment Source Payment Confirmation # XX/XX/XXXX Loan XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Loan XXXX Paid {$140.00} Payment XXXX XX/XX/XXXX Loan XXXX Paid {$26.00} Payment XXXX
05/15/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • MA
  • 02151
Web
I have been a Discover card member sinceXX/XX/XXXX and have never missed a payment. I am currently involved in a debt consolidation program with my other credit cards which is temporarily impacting my credit however I chose to keep my Discover card open and not include this card in my consolidation program. At the time I started this program, I intentionally kept this card open because I had a {$9100.00} credit line and a {$4000.00} balance. To reiterate, I have never missed a payment with this card in TEN YEARS and intended to have this card available in the case of emergencies. I no longer have this option. When I signed on to my online account on XX/XX/XXXX, I saw that suddenly I only had {$100.00} of credit available and my credit line had been decreased significantly. This was never communicated to me and when I brought this to their attention, I was told a blatant lie. I work in XX/XX/XXXX and could tell immediately this was back tracking. I have attached the conversation below. I asked why I was not notified of this decrease and was told a letter was mailed to me with the reason for the decrease on XX/XX/XXXX. It is now XX/XX/XXXX and said letter has not arrived at my home. I verified that Discover has my correct address. What compounds this situation is that conveniently, the day after I asked this question and received this response, I received an online message dated XX/XX/XXXX, with a copy of the said letter dated XX/XX/XXXX, which was clearly crafted only after I brought this matter to the companies attention. This is very bad and deceptive business. As a reward of 10 years of perfect business with Discover, during which time the company has made hundreds of dollars of interest off of me, I receive a significant credit line decrease. I understand that my credit score has dropped but I have a perfect history with Discover card and it is very bad business practice to treat your customers this way.
08/27/2020 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • NJ
  • 080XX
Web
Hello, I applied for a HELOC with Discover Home Loans # XXXX on XX/XX/2020. I was told this would only take a couple of weeks and of course it is now XX/XX/2020 and my application is being stalled due to negligent venders and or staff. My current home was originally cosigned by my uncle who passed in XX/XX/2020. We had joint tenancy and upon his death the property reverts back to me ( by the way I am in the state of NJ ). I have already refinanced my first mortgage and closed on XX/XX/2020 in my name only. At the start of the application they were provided with my uncles death certificate. They have also been provided with the new Payoff letter for the old mortgage as well as the new recorded mortgage documents. About a day or two ago I emailed my contact XXXX XXXX to see what is the hold up. Yesterday, he called and explained they were trying to clear liens/judgments on title that may be in the same name as my uncle and needed his SSN and birthday. So i brought it to his attention that the death cert was already provided which plainly stated that information. Then he calls me back to say that now the title company needs my uncle 's will and probate documents. As our title was held in XXXX XXXX, my property is not included in the probate and as I previously mentioned is already back in my name only. I emailed XXXX XXXX to request the contact information for the title company, who clearly doesnt know what they are doing. To which I was emailed that they can not provide me the contact information for the vendor. Excuse me! I am a customer and the title company that is completing a title for my application cant be disclosed to me? At this point I am just livid!!! They need to get it together, consult with their legal team so that someone with some sense can inform them that my property does not need probate and is already out of my uncles name. They need to stop stalling my application and move it along, quickly.
03/25/2017 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • UT
  • 84115
Web
I returned from XXXX in XX/XX/XXXX, and in an attempt to get an apartment I learned about credit cards that had been opened in my name. I was a XXXX from XX/XX/XXXX until XX/XX/XXXX, and then returned in XX/XX/XXXX through XX/XX/XXXX to XXXX. According the credit reports I have managed to obtain, all accounts were opened and used while I was in XXXX. I filed a letter with each credit reporting agency and with the credit card companies. Several companies immediately resolved the issue and closed the accounts - XXXX have been removed from my credit report and I believe the remaining accounts will come off soon, as they said they would be. I received a response from Discover that they had no record of the account and then refused to continue any investigation ; additional letters to Discover, which included copies of credit reports indicating the fraudulent account, have only resulted in their sending me a package with all statements from the fraudulent account. I have attempted to contact Discover over the phone, but they will not address the issue because I can not verify any information on the account. I have also sent Discover and the credit bureaus the missionary service letter indicating the dates of service and a service completion certificate, indicating that I was in XXXX when the accounts were opened and used. The disputes came back from each CRA with no changes. Becoming XXXX as an adult and not able to use XXXX services ( or XXXX ), it is very difficult to communicate with the credit card companies myself. I send everything through letters or fax. There are a lot of errors on my account, including names, addresses, phone numbers, inquiries, and credit accounts. A credit counselor informed me that it is more effective to only dispute one or two items per letter, and to focus on the greatest errors first. The current letters are only addressing my name, current address, and remaining credit accounts.
01/04/2017 Yes
  • Credit card
  • Advertising and marketing
  • IL
  • 60610
Web
I have had a Discover card since XXXX in which they have advertised for decades a " 1 % cash back bonus ''. ( See the attached XXXX which references this. This was how Discover entered into the credit card business was with the 1 % cash back bonus to compete against Visa and XXXX XXXX and MasterCard. Tonight I called Discover because my cash back was much less than 1 % and I spent approximately {$11000.00} in XXXX. The whole year I 've only earned {$270.00} in cash back bonus but spent {$41000.00} on my Discover Card. So my cash back bonus should be {$410.00}. I find out that because my anniversary date of joining Discover is in XXXX my cash back is only XXXX up until I spend {$3000.00} in XXXX. This is false and deceptive advertising - no where does Discover say that this happens on your anniversary date - which conveniently for them is the month that I spend the most for the holidays. Further, I found out from the service rep who I spoke to that they now have a special card called an " IT '' card ( which I have never heard of ) that offers 1 % to customers who joined since XXXX that does n't have an anniversary date catch. So not only have I been ripped off for 30 years but now new customers get the 1 % automatically. But I would have to replace my current card with this new " IT '' card. That 's just crazy! Why did n't they give their long-time customers the IT card automatically?? I am sure most of us do n't even know IT exists!! Or a better question - why create another card when my card is supposed to pay 1 % cash back? Why would I voluntarily choose to have a card that pays XXXX over one that pays 1 %?? Discover Card needs to stop false advertising. None of their current TV advertising about the 1 % cash back bonus says " if you are a long-time customer this does n't apply to you ''. This is just another scam like the XXXX XXXX scam. Discover Card ca n't get away with ripping off long-time customers.
03/17/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • VA
  • 20171
Web Servicemember
While XXXX I provided someone with POA, this person opened numerous accounts to include XXXX, XXXX XXXX, XXXX, and Discover to name a few. I have provided all of these companies with the original power of attorney, the notarized statement from the individual admitting to opening these accounts, which list these companies by name. I have also put Discover in direct communication with senior military personnel located at the Pentagon to validate I was out of the country at the time since I am legally unable to provide a copy of the title 50 orders. XXXX XXXX, and the XXXX both conducted investigations and was able to completely remove the accounts. XXXX is requesting a police report, and Discover is now saying that because the card was used, it is deemed valid. DISCOVER, has previously claimed to conduct investigations which consist of : Obtaining XXXX XXXX via the XXXX website ( Which does NOT provide Title 50 orders. However senior officials validated the dates of overseas service ) : Retrieving online application data, : Reviewing financial transactions on numerous occasions, Discover has deemed this account valid despite all the provided documentation. Not once during the investigation was I contacted to obtain additional information, had I not asked one of the females, what information do they deem insufficient I would have never known they were looking to validate XXXX history, which I was able to offer them. The lack of communication throughout an investigation that impacts my security clearance is troubling. Why am I not made aware of what information is needed from me to prove my innocence? Why is the notarized confession being overlooked? Why is Discover unable to retrieve credit card signature, surveillance footage from one of the businesses during the point of sale like XXXX XXXX to validate I was not the individual using the card. I will NOT STOP requesting this matter be properly investigated.
11/08/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • FL
  • 33470
Web
DISCOVER FIN SVCS LL ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DISCOVER FIN SVCS LL or any company associate with this account # XXXXand tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DISCOVER FIN SVCS LL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
07/12/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 10036
Web
The name of my XXXX is XXXX XXXX XXXX XXXX We are a XXXX accepting credit cards as a form of payment for merchandise purchased from our store at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX We are not the cardholder in this case, but the merchant that was paid by a Discover card holder for a XXXX watch that was purchased on XX/XX/2022. In XXXX 2022, we have received a debit from our checking account concerning a dispute raised on a Discover card transaction that was paid to our business. The amount of the debit was for {$3300.00}. The dispute was without merit as this was a card present transaction using the CHIP at our card terminal and the cardholder took possession of the XXXX at the point of sale. We provided all documentation to Discover, and while Discover closed one dispute in our favor, on the other, they credited the cardholder without merit. Sometime in late XXXX, I think it was on the XXXX, we met the cardholder in our store and actually contacted Discover by phone in front of us to confirm that he transaction was valid and that the dispute should be canceled. After the customer spoke to Discover, the customer handed over the phone to me and the Discover agent confirmed to me that Discover will submit the case for correction and that I should expect a credit to my checking account shortly thereafter. The Discover agent also provided me a case # XXXX. However, it has been over 2 months since that promise of credit and my account has still not been credited for this invalid debit. When I contacted the customer, the customer screams that he informed Discover to return the funds to me and that hes not going to pay twice after he already paid Discover. Please look in to this matter as it appears Discover is holding my money after failing to return my money to me. In any event, this dispute was without merit and Discover has debited our account and credited the cardholder without any valid legal basis.
07/02/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30067
Web
My name is XXXX XXXX, an agent for principal XXXX XXXX, a federally protected consumer, holder in due course, and attorney in fact. I am making this complaint against Discover for engaging in abusive, deceptive, and unfair practices. Discover has failed to clarify a billing error that has been placed on my consumer report. Discover has placed late payments on my consumer report without my shared consent and my lawful authority. Furnishing these payments to my consumer report without my consent is considered an attempt to abuse. Discover has reported negative information that is not required by law to report which has led to disclosing my nonpublic information that has brought a great deal of sustainable harm and inconvenience to me. I have not been provided with any proper documentary evidence that clarifies why this billing error was made in the first place. Whenever I received a billing statement from them, which was not considered the proper documentary evidence as requested, they still continued to collect on the account instead of stopping until the billing error was corrected. Because disclosure is required and Discover has failed to provide me with all the requirements that are included in the disclosure, I am aware that the documents they were sent are considered fraud. As a financial institution, nothing requires them to furnish my information- yet they did. I am requesting Discover send me the proper disclosures to prove that my claim isn't true, or remove these late payments from my consumer report. It is Discover 's grave responsibility to report 100 % accuracy. I am aware of the wrongful doings that have transpired and because of this- Discover has clearly violated the law. Discover has continued to extort me by inducing wrongful use of my financial reputation and their attempt to abuse. Because of this- Discover can easily be tied into a racketeering case resulting in 20 years of imprisonment.
12/03/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • OH
  • XXXXX
Web
In XX/XX/XXXX I closed Discover credit card ending in XXXX because they approved a payment to a company that used an old discover card number that I did no longer wished to do business with. I had told Discover to close that old credit card and make sure no one gets paid form that old credit card number. I trusted Discover, but they ignored my request, and went ahead and paid the vendor who I did not wish to continue having involvement with. It is because of that, that I refuse to do business with discover. In XX/XX/XXXX, Discover had an overpayment of {$260.00} from me. I asked them to refund me, and whatever payments they ahd that were outstanding, that the vendors and I will have to sort that out. Today, at XXXX : XXXX XXXX XX/XX/XXXX, I called DIscover asking why they had not refunded me {$260.00} that was overpaid. They said that since I " CLOSED '' the account, they honored a {$25.00} dispute I had with XXXX XXXX 's because they " DETERMINED THE CHARGE WAS OK> Please have discoer shoW me the signed payment, for if it is not signed, I refuse to honor it, AND THEY must refund me. If one changes the credit card number so that vendors do not continue accessing one 's credit card, it is my decision if I want to pay such a vendor or not. If I wish to pay the vendor, I will give them my new credit card number to continue the relationship. I deliberately " lost '' the credit card in order to assure that the vendor will not pay a vendor one does not wish to. It is not Discover 's authority to use my . This is why they must be denounced for illegal business practices. They said that they also honored a {$95.00} payment for XXXX. That is also wrong because I have a new arrangement with XXXX, so why did they pay when I told them to close my account? SO, I denounce discover for theft, and they owe me {$260.00}. Until I get that $ refunded, I keep my claim of theft against Discover for stealing my funds.
04/27/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • WA
  • 98029
Web
Dispute Case Number XXXX, I kindly request that Discover Bank provide clear explanations to the following questions : >> 1. If Discover deemed the Proof of Delivery from XXXX, which included the tracking number, delivery date and time, delivery city and location, and recipient, as " an incomplete copy of delivery confirmation, '' why did the Dispute Team not contact me before closing my case on XX/XX/XXXX? >> 2. What prompted Discover Bank to re-review this case on XX/XX/XXXX, after closing it on XX/XX/XXXX? I, as a customer, did not inquire about this dispute or the {$140.00} transaction until XX/XX/XXXX. >> 3. How does the {$84.00} credit posted on XX/XX/XXXX relate to this {$140.00} disputed transaction? >> 4. Why has Discover not provided any explanations or instructions regarding the contradictions evident in the documents submitted by the merchant and myself? >> 5. If Discover considers the aforementioned Proof of Delivery as " incomplete, '' please specify the missing information and provide a standard requirement used by Discover. This way, I can contact XXXX for the correct document that meets Discover 's Standard Requirements. >> 6. I request a copy of the proof provided by the merchant concerning Dispute XXXX. Please send this to the email address or mailing address listed in my account file. >> I strongly urge Discover Bank to carefully review all previously submitted documents related to my case before offering an appropriate and well-informed response. As a customer, I expect prompt, accurate, and transparent communication from Discover Bank, as well as a professional approach to resolving disputes. XXXX This will be my final attempt to resolve this case and the {$140.00} transaction with Discover. It is frustrating to deal with the consequences of Discover 's negligent behavior. If Discover Bank continues to provide irrelevant responses, I will take legal action to protect my rights.
12/14/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 92802
Web Servicemember
The complaint is not necessarily against Discover, but rather against the XXXX and XXXX and the way that credit card disputes are handled by these two merchants and my credit card. I returned a multitude of barbies to XXXX after having purchased many of them approximate in early to XXXX. I changed my mind about re selling Barbies on an individual level when my order of two ( 2 ) 2020 Day of the Dead Barbies, which retailed at close to {$1500.00} and I purchased for {$31.00} was cancelled. When this happened, I realized the potential for a great return had just been squashed and I returned Barbies to both XXXX and XXXX. Well, to date, and just recently, after many months, some of those unrefunded barbies which were returned months ago have been credited. But now XXXX has blocked my account, contending that Discover reported " unauthorized charges, '' and Discover, as well as XXXX where other merchandise was purchased, but also unrefunded, are referring some disputes to their FRAUD department. FRAUD!? Why? Unreturned and unrefunded charges merit a FRAUD referral? Due to this so called, " unauthorized transactions or charges '' XXXX has blocked or frozen my account and I can not access it to 1 ) review their contentions that both Discover and XXXX credited my account for some returned items, and 2 ) I need to confirm how many more items continue being unrefunded and unaccounted for. I want Discover to CREDIT all of my charges for items which were ALREADY RETURNED TO XXXX and which have NOT BEEN CREDITED, and I want XXXX to UNBLOCK MY ACCOUNT. As XXXX contends that Discover advised them of " unauthorized transactions, '' which is untrue and disingenuous, SOMEONE HAS TO TELL XXXX TO UNBLOCK MY ACCOUNT! And according to XXXX they blocked it because of what Discover reported! Unblock my XXXX account, CREDIT all of my returned merchandise and update my new telephone number to XXXX XXXX XXXX. thank you.
11/16/2021 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Funds not received from closed account
  • GA
  • 30214
Web
On XX/XX/2021 I deposited a check issued from tax products group and a XXXX business day hold was placed on it. Fair enough. On XX/XX/2021, the check cleared and was available in my discover account finally. Attempted to wire transfer to my XXXX XXXX account XXXX dollars because I owed that much in bills so I was aiming to use that bit for bills. When attempting, I received an email from discover stating there was a freeze on my account and to contact them immediately. I called and they stated that due to a business decision they were closing my account. I asked them about my funds and they said they would not release any funds until a 90 day investigation which is insane. I even stated to them that they violated their on deposit agreement. Nothing in the deposit agreement stated holding funds from a closed account what so ever. So I called and called and finally got a hold of somebody who said the only thing that I could have done was to get in touch with the check issuer and ask them to recall the funds. Well the day after I spoke with discover I called the tax groups number and they said being that the check had been cleared and the deposit was successful that discover took the money already ( not to mention XXXX of the funds were sent to my XXXX XXXX the day AFTER account closure. I read over and over the deposit agreement and it simply stated that funds would be released to the account holder at the time of closing. I filed a complaint with their executive ioffice and got no aswer. This isnt right I didnt do anything but attempt to do things that my account was allowed to do which is initiate a wire transfer. Ive talked to them about a transfer of my funds to my XXXX XXXX but said no. Ive tried and tried and seems like they dont plan on being fair with me. I struggle on a day to day basis with everything I owe and other things like say care with I work XXXX hours a week just to put food in the table.
05/27/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • OR
  • 97045
Web
On XX/XX/XXXX, a booking company ( XXXX ) charged me {$1900.00} for a vacation package that they chose to cancel on XX/XX/XXXX. The merchant stated they were not issuing refunds and instructed customers to contact their banks for refunds. I disputed the charge on my debit card with Discover Bank immediately on XX/XX/XXXX and they gave me a conditional refund and told me it would be no problem and they were very sorry this happened to me. I was re-assured that disputing this would be no problem, even though I feared it would be since the transaction was on a debit card and not a credit card. On XX/XX/XXXX I received a letter in the mail from Discover Bank, dated XX/XX/XXXX, stating that they deemed the charge valid and would be taking back the refund they gave me over 2 months ago. I am now about to close on a house and can not afford to be out nearly {$2000.00} when I was re-assured in XXXX that this refund would not be a problem at all. I am told that because of Regulation E, they can only dispute the charge if there as a banking error. I think there is an error that I am not refunded for an order that the merchant canceled. Discover Bank also stated that the merchant told them they refunded me {$1000.00}, which is incorrect ( also unacceptable as this is only half on the charge ). The customer service rep even confirmed that this refund showed up nowhere in my account and they never received it. This also sounds like a banking error. Regardless, I know of countless other people whose trips were canceled by this merchant, and they were able to receive refunds on their debit card transactions. I have been a loyal customer to Discover for credit cards, banking, and a personal loan through my spouse for years. I have referred many friends to use Discover as well and have always known them to do what's right for their customers. Refusing to fight for your customer 's hard earned money is not what's right.
10/31/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • WY
  • 831XX
Web Older American
I applied for and was approved for a credit card limit of {$4200.00} by DISCOVER. The card was sent to me and received by me at the address provided to DISCOVER at the time of the application in XX/XX/2019. Later in the month, I received correspondence requesting confirmation of my address. I immediately returned the correspondence, which was within the time parameter provided by DISCOVER. I received a letter in XX/XX/2019 stating that the credit card account was " closed ''. I sent a letter to DISCOVER requesting a specific reason for closing my account. XXXX XXXX, Executive Office of Customer Advocacy, left a voice mail on my cell phone requesting that I call her about my account. I called back and left a message on her voice mail. She did not return my call. I called a second time. This time I was told that Ms. XXXX was not available, but that the lady who answered could help me. I gave my information and was placed on hold. On returning to the call, the lady told me that my account was closed. I asked for a reason for this action and was told only that " a business decision was made to close my account ''. When I asked for the specific reason for this business decision, I was not provided a reason for their " business decision ''. I immediately wrote to the company stating that I would file a CFPB complaint if I did not receive a satisfactory reason for the " business decision '' to close my account. In response, I received a letter from XXXX XXXX at the address provided in the application, and on the prior correspondence requesting confirmation of my address, restating that " a business decision was made to close my account ''. No further information pertaining to the reason for closing the account was provided in the letter nor was further information from me requested. At the time of the application, my excellent credit score was around 750 or more from all three credit reporting agencies.
04/13/2015 Yes
  • Credit card
  • Other
  • TN
  • 37412
Web
I am XXXX, draw Soc. Sec. and live XXXX sometimes. I have a credit card account with Discover ending in XXXX. I was having problems paying the account and I entered into a hardship program with Discover in XX/XX/XXXX. They took my XXXX information and the account number. They read me a statement that I agreed to pay {$150.00} a month from XXXX XXXX XXXX XXXX, account ending in XXXX They have removed payments of {$150.00} a month from that account from XX/XX/XXXX until XX/XX/XXXX. I pick up my mail from my daughter 's. I picked up my mail on XX/XX/XXXX. There was a XXXX and XXXX Discover statement listing nonpayment, late fees, etc. I called Discover and the lady explained that they sent in request for payment in XXXX to my XXXX XXXX XXXX XXXX, account ending in XXXX. I explained that the account number is XXXX. Where did they get this XXXX number? I had an old XXXX account ending in XXXX but it has been closed for over a year. The woman could not explain where the XXXX number came from ; she could not check to see who had been in my account and made changes ; she could not reinstate my old payment plan I agreed to in XX/XX/XXXX. Discover made unauthorized changes to my account and they are telling me it is my fault. I had to pay all late fees, over the limit fees, etc. plus an increased monthly payment. I did not contact Discover and change the agreement I agreed to in XX/XX/XXXX. I did not authorize a change in account or account numbers from the ones I agreed to in XX/XX/XXXX. Discover supervisor XXXX XXXX said she would look into it and I should call back in two days. Somewhere, Discover went in and made unauthorized changes. What can be done to correct this and ensure it does not happen to someone else? I did n't think Discover could make changes to your account without your approval/agreement? Please help. I feel like this is unethical business practice from Discover Credit Card to defraud a customer.
04/03/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TN
  • 378XX
Web
Over four months ago, I contacted Discover regarding a credit card account that belonged to my deceased brother, XXXX XXXX XXXX XXXX, SS # XXXX, who passed away back in XXXX. Since I am the executor of his estate, the purpose of my follow up with them was to obtain a 1099C for discharged of his alleged debt so that I could file his final tax returns for XXXX. Discover was kind enough to do this and they forwarded a 1099C which I used to file my brothers taxes. ( copy attached ) Unfortunately Discover continues to report on my brothers credit reports that he still owes them on the account even though they clearly have discharged it. My accountants and consumer protect attorneys have advised me that regardless of the issuance of 1099Cs, Discover is still in the position to either attempt to collect or sell off this debt to a third party as long as they are reporting this account to the credit agencies and while this account appears on his credit reports. While I do not think that this a malicious act by Discover nor their intention, I am nevertheless concerned about dealing with this subject in the future as my brothers estate is empty of any money and closed. I mailed and also faxed a letter to Discover on this matter on XX/XX/XXXX ( copy attached ). On XX/XX/XXXX, I followed up with Discover and after an hour of being transferred to half a dozen departments and twice that number of confused representatives, I talked to XXXX, a supervisor in the Deceased Card Services Department, who told me that the company is not listing the debt and is no longer interested pursuing this debt. Nevertheless as of today this account is still being reported to the credit reporting agencies despite what Discover is saying. Their inability to correct this problem is disconcerting to me and so I am turning to the FCRA to assist in getting them to put an end to this matter by ceasing to report this closed and discharged debt.
11/16/2015 Yes
  • Credit card
  • Customer service / Customer relations
  • PA
  • 19083
Web
My son is a college student who acquired a credit card with Discover about a year ago. He attended a wedding ( out of town ) on XXXX XXXX. He had told me then that he would not be able to make the credit card payment on time. He really struggles to make his payments on time. I had no money so I advised him to pay it late as he always pays in a timely manner. On XXXX XXXX at XXXX my phone rings. Caller id discloses it is Discover Financial I do not answer. At XXXX the phone rings again. Discover Financial so I answer. The woman asks to speak with my son. I tell her he is a college student and is not home. Well she says she can speak with me, am I his spouse? No I answer, I am his mother. Well she says he is probably at work so what time can she reach him? I again explain he is in college and does not live here. I also ask her why she is calling me at XXXX as I am aware she is calling about his unpaid bill. How late is it I ask two or three days? I found out later from my son payment was 5 days late at that point and these people were calling at XXXX about it. I also inform the rep that I believe it is illegal for them to call me before XXXX. She assures me they start working at XXXX so it is OK. She understands how I feel! No I told her, not really - you issue credit cards to college students who struggle to pay them on time and then you call and harass them for money when they are two or three days late on their payments. I told her if she really understood how I feel she would leave the building because I felt like dropping a bomb on it! I also asked her to stop calling my phone as I pay the bill and my son lives at XXXX University. My son later also told me they have his cell phone number but never call it. The rep told me they have no other way of contacting him except my phone number. I replied " well you have plenty of time to call me at XXXX maybe you can use some of that time to hunt him down! ''
02/06/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • KY
  • 40504
Web
I have spent months trying to work with the dispute department over an illegitimate charge made to my Discover card months ago. I have never known such incompetence in my life. I have spent hours with the dispute team ... .and a month ago, trying to get them to understand that I was not going to pay a {$52.00} charge that XXXX made to my Discover card, for a service that I did not receive, I thought that they FINALLY understood, and would handle the dispute accordingly. Just as with Discover Bank, Discover Card is the egregiously incompetent. After saying that they would handle my dispute, I saw tonight on my bill that AGAIN they put the charge back on my card! I paid of another transaction on the statement and closed the Discover card tonight, because I have had enough. It's like a merry-go-round ... ..month after month!! It is of great important that I let you know that I received a notice for 2 months from this incompetent credit card company about a dispute for {$140.00}, that I could make no sense of. It turned out ( by their own admittance ) that I was receiving a dispute for another customer ( by accident )!! This credit card company has should be put out of business for the level of incompetence that they dish their customers!!!!!!!!!!!!!!!!! I think this other account holder should be notified that I was receiving THEIR notifications about a dispute that they were trying to have resolved!! I have several XXXX credit cards, and a Mastercard, and have never before experienced issues with the dispute process, or customer service, as I have with this incompetent company, Discover. I would ask that you protect me as a consumer, and not allow them to harm my credit rating, for an illegitimate charge that was made to my card by XXXX. Please help me with this issue, and if possible, have Discover reprimanded for their continued incompetence ... .both in banking and credit card services. Thank you.
01/09/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • IL
  • 60804
Web Older American
Discover loans have been sending me letters for me to apply for a loan different loans. I than tought of accepting a loan and apply as tjeybbeen sending me lentes that Im pre approve which are nothing but lies and I found out after 2 or 3 days after. When I apply first they sent me a notification that I was qualified for XXXX as I check my rate without having to harm my credit score and everything was going so well and mostly would approved me. They ask me to submit a document which was a utility bill I sent a XXXX electricity bill to them and it was verified and accepted so far so good everything was going right and well today i spoke to a guy and said to call them so they can finalize my loan and get ready to go than he ask me to call since he could not do that thhru a chat live online. So I called and ask to speak XXXX because I speak more XXXX than English. But the representative said everything was going well and that they needed to proceed and pass the information to someone higher than a representative so they did as I mention them I wanted to know the answer because they have taken sweet time and I had other lenders who were offering me other loans as well but since I am A member of discover and have a fantastic relationship with them and have a excellent credit score and credit history they denied me the loan for no reasons I believe they have discriminated me and denied my opportunity to get the loan of XXXX why would they accept me first and than denied me st the end. Wen everything was almost done and verified. That is an insult and I have great and excellent credit my credit is XXXX or XXXX with others credit bureaus. I am very sad and disappointed at discover and will never ever ask them for a loan and will make sure they dont play with peoples feeling and making them think they got approved while they denied you at the end for no reasons.they always say a different story regardless.
07/12/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • CA
  • 90019
Web
I was sued by Discover Card after failing to keep up on payments. I was without an address for many months and not receiving their letters. Because of the company 's inability to contact me in XX/XX/XXXX, they took legal action to collect those funds and were awarded a judgement in court. I was served legal papers by a representative of the bank as soon as I was able to establish a permanent address. I immediately contacted the bank to make payment arrangements and established a plan. After moving from XXXX to XXXX, I found myself unable to keep up my payment arrangement. I contact the attorneys for Discover at XXXX XXXX in XXXX XXXX, XXXX to let them know this in XX/XX/XXXX and was told it would be ok to contact them in the summer to resume payments. The women I spoke with was quite friendly, too, which was a huge departure from the quite rude and judgmental male I generally speak with concerning my case. In late XX/XX/XXXX, I attempted to use my bank debit card and was declined at the store despite having money in my account. I was informed by my bank that Discover had placed a garnishment on my account to recoup any possible money coming in and that the garnishment would be in effect until XX/XX/XXXX. I was unable to use my account for over a week because of this. I feel it was deceptive for the bank to have told me it was ok to temporarily halt payments, then take this course of action. I generally received phone calls from the law firm when there was a pressing issue to deal with ; I received no such courtesy from Discover 's attorneys prior to the garnishment. The company assumed I was just ignoring my debt. They said they would have to review a recording of my phone conversation with their representative to corroborate my account of events. I no longer feel like I can trust the agreements I make with this firm over the phone or even in writing, and I don't have the money for a lawyer.
03/06/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • NJ
  • 07305
Web
I believe that I am a victim of DISCOVER Banks unfair actions and they have caused me great harm. I also believe that they are causing harm to other people as well and will continue to fight for justice and our consumer rights. All of a sudden abruptly in XX/XX/2021, my DISCOVER credit card ending in XXXX was closed because of a subpoena for legal action pending from a lawsuit where I was named as one of the defendants in a fraud investigation because of my doing business with the main target XXXX XXXX XXXX. That company has now pleaded guilty of all charges and accusations against them. I humbly requested help for DISCOVER to reconsider my accounts being reinstated. I have attached documentation from the Department of Justice identifying me and my company as a victim in this fraud case. I am not guilty, and have not been convicted of any crime. Ive always paid, on time, and feel that the features and benefits of these cards are highly beneficial. I am looking forward to resolving this as I truly value being a DISCOVER member and would be honored to continue to prove my value as a reliable customer to use even more products in the future. I have been a loyal DISCOVER cardholder for many years, and use it a lot monthly for my personal and business expenses for working capital that my business relies on to operate. I have never been late paying them. Based on these facts, If my account is not reinstated, I, the Claimant, seek damages according to applicable law, including but not limited to the loss of business operations and potential earnings because of this abrupt, untimely, and wrongful account closure. This has caused Claimants credit score to drop significantly from an Excellent to Poor rating with denials of credit and loan applications. Claimant seeks to recover its reasonable fees and costs incurred in this legal proceeding and for such other and further relief as may deem just and proper.
06/08/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 10460
Web
To Whom It May Concern : I have a credit card with Discover that i have been using for the last two years. Unfortunately, i purchased a travel ticket via internet on XX/XX/XXXX for the amount of {$1400.00} through XXXX XXXX. The booking number ID is XXXX. The itinerary of my flight was delivered to me via my email address. The airline company is XXXX XXXX. But From XXXX to all the way to my final destination i was booked with XXXX XXXX partner of XXXX XXXX. Once I arrived at the airport on XX/XX/XXXX at XXXX XXXX, I was told by XXXX XXXX employees that they just closed registration even though the departure was at XXXX XXXX. So, I inquired about the need to be booked on the next flight. They refused and said that they were nothing they could not do for me because I did not buy my ticket directly from them. I contacted the customer service of XXXX XXXX through open chat window on their website because there was no phone number to call on documents delivered to me. The customer representative i had, told me no to worry and they will get back to me. I immediately called my credit card company ( Discover credit card ) to inform them of the situation before the plane takes off. I was relieved when the customer representative told me no to worry about anything. They will deal with them. So, I used my other credit card to purchased another ticket for an amount of {$1500.00} from XXXX the same date. I was surprised that few months later I was charged back twice for the amount of {$1400.00}. for a total of {$2800.00}. {$1400.00} from XXXX XXXX XXXX XXXX ( I have no clue what company is that ) and {$1400.00} from XXXX XXXX XXXX. I tried to resolve the matter with them. But I noticed that this has become their routine in stealing from consumers.They sent me documents from the merchands that I disputed. But still they are quick to decide to close the investigation. How could I be charged twice for the same item?
06/22/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94587
Web
In XX/XX/XXXX, My discover credit card ends in XXXX was stolen then used for 300+ fraud transactions in two months. Throughout the time, Discover never sent a fraud alert about any of these fraud transactions. Since I enrolled in autopay, I paid two statements for {$5100.00} in total In XX/XX/XXXX after I found my credit card is stolen, I called Discover to report the fraud. I also called police to initiate the case with a police report. In XX/XX/XXXX, I was contacted by Police that they found the criminal who stole my credit card and police report is completed. In XX/XX/XXXX, I was contacted by District Attorney that a court case is initiated. In XX/XX/XXXX, I was contacted by District Attorney that the court has determined the criminal guilty. I was sent a completed police report with all the evidence including video footage, receipts showing the fraud. In XX/XX/XXXX, I was contacted by District Attorney that the criminal plead guilty. Throughout the timeline, I've contacted Discover for more than 20+ times updating the case and sent all possible documents including police report, court notice, District Attorney contacts, Police officer 's contact. Yet every time Discover still concluded that there is no fraud on my account and the investigation was closed. Several reasons they provided me : 1. Not enough information to determine the fraud. 2. Discover isn't responsible for the fraud. I should pursuit my money with the court and the criminal by myself. One thing needs to be highlighted is that in XX/XX/XXXX, I was contacted by a manager in Discover customer protection department called XXXX. XXXX rudely accused me of continuously disturbing their work by calling their department frequently. When called about why the investigation is closed and why it's determined no fraud, XXXX refused to provide any reasons and tell me to resolve it myself. XXXX hanged the phone without notice after.
03/16/2017 Yes
  • Credit card
  • Credit line increase/decrease
  • OH
  • 45431
Web
I recently was selected to upgrade my Discover Secured Credit Card account to a Discover Unsecured account. This transaction occurred several months ago. I logged into my Discover credit account online to apply for a credit limit increase on XXXX, 2017. The website submitted my request and it went on for further review. The message stated, " Your request is under review. Decisions are typically made within 2 business days. There is nothing else that you need to do at this time. '' I was not contacted by Discover Bank and did not get any confirmation email that my request was under review. I contacted Discover Card Customer Care within the 48-hour period and was told that there is an ongoing system issue that is preventing my requests for a credit increase to be reviewed by a credit analyst. No timeframe was given to reapply. I was told to keep resending the applications if I get " bored '' and to see if it gets fixed. I also attempted to contact the online chat support, and I was informed that the credit analyst team did n't review my request for an increase and that I should call them. When I contacted them, they advised me the request had to be deleted. I feel that Discover is unfairly preventing me from utilizing my account by not accepting requests to increase my credit limit. Other Discover Unsecured credit card customers are able to submit requests to increase their limit, and sometimes get instant decisions, however, " graduated '' customers are not due to a system issue because my account was upgraded. I feel as if Discover bank is discriminating against me because I had a secured card, and will not allow me to ask for a higher limit on the upgraded account. I feel as if " Graduated '' customers of their secured card are not fairly treated and that their lending practices are not fair as we can not request an increase in credit on our accounts. Our requests are queued and then deleted.
07/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CO
  • 80127
Web
Discover froze my bank accounts and is holding my money ( and many other customers ' money ), based on " unusual activity '', and I can not connect with anyone at Discover to unfreeze my accounts ( it's been over 22 days as of this complaint ). I opened new bank accounts on XX/XX/XXXX, and deposited money ( over $ XXXX ) in them on XX/XX/XXXX. I was notified by Discover on XX/XX/XXXX ( via email and via a voicemail ) that my accounts had been frozen due to " unusual activity '', and that I needed to call XXXX to speak with a bank security specialist. Note that I have absolutely no online access to my accounts, and Discover is forcing me to call them to unfreeze my accounts. No one who I have spoken with can tell me why my accounts are frozen. I called Discover back on XX/XX/XXXX and subsequently every day since to speak with one of their bank security team members. The hold times are usually 2-3+ hours. Half the time, their phone system provides a message about high call volume and then just disconnects. Furthermore, I was able to get through two times to the bank security team, only to be told that their hours are XXXX XXXX, and that they were not available to help me, and that I would need to call back during those hours ; Discover advertises 24/7 customer support. I've placed over 50 calls in the past 22 days. I have spoken to a number of Discover customer service professionals, but they can not unfreeze my account and tell me that I must speak with the bank security team. They will only transfer me and put me in the 2-3+ hour holding queue. Furthermore, they do not have a single human at this point who can tell me what my account balances are I've tried to get help via XXXX, XXXX and XXXX, but Discover either continues to post the same reply about calling the number listed above, or in some cases doesn't respond at all. See threads on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • WI
  • 53186
Web
I am have a XXXX XXXX XXXX credit card account and someone got my all personal info & i don't who & how it got leaked but then someone did a cash advance transaction of {$10000.00} from my XXXX XXXX XXXX to discover bank, someone created discover bank account also fraudfully on my name and even my personal phone number was stolen and ported out all on same day. he used all my info like name address stolen phone number ssn, i did police complain and provided all documents and details to XXXX XXXX XXXX now everytime they say on fraud claim that it was your same personal information which was used like address etc so we can't refund the fraud amount {$10000.00} back. It is logical that if someone fraud stolen all my info from somewhere and fraud doing personal will use customers info only not his own identify to do fraud activities but now XXXX XXXX XXXX is not helpful at all. When XXXX XXXX XXXX need business then they will alway be behind customer to sell their product but now after customer is using their product and getting fraud issue then they not refund {$10000.00} money for which i got fraud. My Claim number : XXXX was this. At the time when i know some {$10000.00} cash advance i contacted XXXX XXXX XXXX XXXX right away when it was just in processing state [ if XXXX XXXX XXXX have any call records then it will be recorded as part of those customer care calls ] at that time person from fraud team said no need to worry let it complete we will take care of it and fix but afterwards now they are not at all refund money back. Even i reported to discover bank and discover bank says as i am not an owner of that bank account as i reported then fraud so XXXX XXXX XXXX is the only XXXX who need to resolve this as i am XXXX XXXX XXXX customer. Now i don't know where to go how get my {$10000.00} money back for which fraud has been happen with me on my XXXX XXXX XXXX credit card cash advance.
11/25/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • IL
  • 60543
Web
I have been using my Discover card for the last 19 years and have a continuously high interest rate of 29.99 %. I consistently pay my bills, at times I have had the card completely paid off and at random times Discover will issue me a higher credit limit amount without me asking or wanting. On XX/XX/2020 I called and asked for a lower interest rate. During my call, I was bounced around to several " departments '' I was finally able to speak with someone in the Card Member Assistance department. The gentleman agreed that my rate was too high and issued me an interest credit refund of {$1100.00}. He then told me that my interest rate would be lowerd to a percentage over the prime rate. I tried calling Discover back in XXXX because the rate wasn't lowered and didn't get anywhere.The girl on the phone was not helpfu so I hung up. I just tried calling again today, XX/XX/2020 and was told the ONLY way to reduce my interest rate is to suspend my card for 6 months and then it will be up to Discover if they want to " re-instate me '' at the going rate at that future time. To me this is slap in the face. I have been an outstanding long term consumer who uses my Discover Card for the ease of it being accepted everywhere. In order to be " considered '' for a lower rate I have to suspend my card?! Why? Discover is refusing to give me a lower rate even though my credit history with them has been near excellent in the 19 years I've had my card. Also, Discover has just issued me another credit increase. My new credit limit is {$22000.00}. Of which I am using {$6700.00}. I did not ask for this increase and now I am showing too much available credit on my credit report and I can not cancel my card due to it being the longest credit link I have on my credit history. If I cancel my credit card with them it will adversely impact my credit rating. I am at a loss at what I can do and Discover Card is not being helpful!
05/01/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 92405
Web
I deposited XXXX into my account and did a couple of transfers which i am allo wed 6 transfers with money market account and unlimited with checking so i had an external account linked with my checking account and i made a transfer from discover bank to XXXX XXXX XXXX and discover stopped my transfer in the amount of XXXX and asked me why did i transfer it after i deposited the funds in their bank, i told them i 'm allowed to transfer my money anywhere i like so they then said they are closing my account and the transfer was completed but they still managed to stop it then they said the funds were fraud and t hat 3 banks w ere asking for the funds back which is not true bacause the banks they named i do n't even bank with period.The funds came from one ba nk only and when i asked why are they accusing me because i made a transfer they said i can not have my funds and it was being closed for fraud, my bank tried to recover the funds and wa s denied.My fund s are still at discover and i want them.They also said send in proof of identity and i did still they are keeping my money while it is gaining interest .They kept telling lies saying XXXX XXXX , XXXX , and XXXX were asking the funds back, they came from XXXX and they should have sent it back to them but they wo n't they said for me to tell XXXX to do an indem but if the bank was asking for the funds back due to fraud why would n't they give them to the bank, it 's because that is not true and they are trying to keep my money it 's been since XXXX the XXXX that they have had my funds and i am still able to check it but not able to get the funds because the account is froze and suppose to b e closed.This disc over bank lies and gains money off of customers money.I did not do any fraud and i need my funds.Their customer service make false statements and are very rude.They also get angry when you transfer your money out.
03/17/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • UT
  • 84404
Web
On XXXX I made a purchase through XXXX for an item offered by XXXX XXXX The item arrived damaged. I discovered the item after it was delivered, noted and documented the damage. I contacted XXXX requesting a return shipping label. XXXX responded, saying they do not solve third party transactions, but forwarded my complaint to the seller. However, I received email confirmation of the delivery from XXXX. At the bottom of that email, is a discloser that says XXXX handles all disputes with orders through XXXX or XXXX XXXX transactions. XXXX said via email, that the seller would contact me. In the meantime, I contacted XXXX requesting a return shipping label for the damaged item. XXXX responded after a few days with tracking number XXXX, and a XXXX XXXX arrived and took the damaged original package containing the item. I received no further communication from XXXX, and no contact ever, from the seller, XXXX XXXX. In their response to Discover, XXXX alleges that I failed to contact XXXX. Their email correspondence with me, clearly makes that statement false. I disputed the transaction through Discover, who posted a temporary credit. I uploaded evidence of the item being return to the seller, with tracking number XXXX. The seller signed a receipt for the returned item on XXXX. Some XXXX months later, Discover notified me they had received information from the seller, who contested my dispute. Discover determined the charge to be valid, based upon the response from the seller and from XXXX. Disregarding that the item was received damaged and was returned. I have again disputed this transaction, complaining of the seller 's and XXXX 's false information in their response to Discover, and their fraudulent actions. Considering the item was damaged, the seller could collect for the damaged item, with a claim through XXXX. Instead the seller is attempting to fraudulently maintain a charge for a returned item.
08/14/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Bounced checks or returned payments
  • CA
  • 937XX
Web
On XX/XX/2021, I was hired by a company that sent me two checks, one for {$2200.00} the second for {$1900.00} to purchase a computer, software, and printer from a specified vendor to be used for the remote customer service position. This seemed strange. I felt unsure about this being ok. So before I did anything I called my bank and talked to a customer service agent and explained what was being asked of me and was that a normal thing, if it was ok. The agent told me that it was unusual, but something that is done. I can go ahead and make the deposit and payments if it does turn out to be fraudulent I would not be held liable for the funds. So, after reaching out to my bank for guidance if I should proceed or not, because and only because the bank representative said it would be ok to proceed and not be liable, I made the deposits and payments totaling {$2200.00}. The company and the checks were fraudulent and the money I had in my account was taken to cover the transactions I made ( with assurance I was not liable ). I was a victim of a scam. And though I authorized the transactions, I NEVER would have even deposited that first check if I had not been guided by the bank 's employee. I am now {$180.00} overdrawn. I realize that I authorized the transactions, However, I believe the bank should be liable due to the actions of the customer service agent telling me I could without incident. I have exhausted all levels of escalation at the bank but am not ok with the bank instructing me to do something and then after I do, being held responsible for the result. I have documentation and notes for the conversations and the responses I received. Additionally, I have the name of the representative from the disputes and investigations unit who read the transcript from the phone call I made to the bank seeking help and said the bank is at fault and should be doing the right thing and cover the lost funds.
04/05/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Wrong amount charged or received
  • CA
  • 90028
Web
Complaint Type : Customer Service Issues Description of Complaint : I made a transfer online from discover bank account from my XXXX XXXX account to go into my checking account. XX/XX/2019. The bank claims I got a credit, but then they reversed it out on XX/XX/2019. I spoke with 10 people made over 10 calls about this. In the last week i called three times at least and gave a manager and maybe two or three other people to assist me as well. I took up a lot of my time. The bank now says I owe the money because the XXXX XXXX put the money back in my account. It is beyond the point already when I gave a manager an additional time to help me as I had already spoken to them more than one time. I am now unable to call the bank about this matter and have already told them. I banked with the bank for almost 10 years I am at the point that I do not want to continue banking with them. The managers and bank told me, " It looks like this to me. '' That I didn't get the money because they gave me a credit. I let the bank know I would report them to XXXX and maybe go to small claims court because I had called more than enough times and was not getting assistance on my account. I am saddened to have to report this to XXXX but I feel very dissatisfied with the amount of calls and fully making them aware of the situation more than one time. ( they reversed it out on XX/XX/2019 ) Had I known that I was not going to get assistance from XXXX XXXX on XXXX XXXX I would have asked for someone else to take the issue. As of today the issue is still unresolved so I am going to have to make a complaint somewhere else because I am not able to get the service I need when I have made major efforts to make time and call and communicate with the bank. The bank has accused me of stealing money and saying, " It looks that way to me, and I spent it. ", instead of listening to what I '' m saying and being willing to assist me.
05/04/2016 Yes
  • Credit card
  • Closing/Cancelling account
  • MA
  • XXXXX
Web
I cosigned for a credit card with a {$300.00} limit for my daughter when she XXXX 17 years ago. She got married 15 years ago and called Discover to remove my name and change the card to her new married name since she had established good credit. She later moved into a new home and called to change her address with Discover. I never received any more credit cards, letters or phone calls from Discover in the last 14 years about that account so we assumed they removed my name from the account as she requested. She continued to get correspondence and replacement cards in her name only at her new address but nothing came in my name which I believes proves I had been removed from the account as she requested. Now I got a letter from one of my banks saying there is a Charge Off on my 38 year perfect credit rating for an account I had been removed from 14 years ago. My daughter is going through debt consolidation and the consolidation company had no idea there was a consignor on that account either. Discover never contacted me to tell me that I was associated with an account about to go into default. I have my own account with them in perfect standing so my contact information was readily available. I have lived at my current address 53 years so it 's not hard to find me. When I contacted Discover their response was they only contact the primary card holder. I told them I had a credit card with my name on it when the account was opened but when it expired 3 years later, none was ever received in my name either at my address or my daughters address again proving I was off that account. Discover could not answer why I never received a replacement credit card since the account was opened yet they are saying this is listed as a joint account. We have run a family construction business for 29 years and our credit rating is imperative to continue getting lines of credit jeopardizing the jobs of XXXX workers.
09/25/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • IL
  • 60607
Web
I borrowed thru ' Discover XXXX loans which is serviced by XXXX XXXX. My issue is, I am unable to obtain an accurate balance on my loan from XXXX XXXX. As a result, I am unable to either payoff my loan OR ensure that monthly installments are accurately calculated. ISSUES:1 ) I set up an auto payment to stay current on my interest payment. XXXX XXXX refuses to pass on the 0.25 % APR reduction offered by Discover Financial for setting up Auto Payment. 2 ) My loan went into repayment XX/XX/XXXX and as mandated, I received the Truth In Lending. However, there were also errors in my TIL and I called to report them. The customer service agents at XXXX XXXX has been passing the buck on to Discover Financial and have been unable to share details on how my payments and if any APR reduction/discounts were applied. 3 ) The loan servicer 's website is poorly managed and lacks transperancy. There is no information on how payments were applied and the current accurate APR is not displayed either. 4 ) For example XXXX XXXX restricts customer payment history. They go back only one year. The interest rate shown on their website ( 4.5 % ) does not " exactly '' match with what Discover states on its website ( 4.477 % ). SPREAD OVER 240 PAYMENTS THIS IS A VERY LARGE DISCREPANCY. 5 ) The repayment commencement date ( when the loan is scheduled to go into repayment ) is also not posted on XXXX XXXX website. As a result customers are not able to calculate the interest due accurately. RESOLUTION EXPECTED : I need the CFPB 's help in obtaining an accurate Truth in Lending document. Also, given its oversight, I urge CFPB to work with the above lender and servicing agent to ensure that student loan borrowers have better and ready access to ACCURATE and CURRENT information on their loans. Thus, the student borrower community is not put through unnecessary hardships in PROMPTLY AND ACCURATELY PAYING OFF their loans.
12/04/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • AZ
  • 85120
Web
On XX/XX/22, I noticed a pending balance transfer in the amount of {$1900.00}, which I did not request, nor authorize. This transaction was scheduled to transfer a " portion '' of the current balance on my XXXX XXXX XXXX account to my new Discover Card account. Upon applying for the Discover Card, I specifically requested a " full '' balance transfer in the amount of {$6200.00} so as to fully pay-off my XXXX card XXXX Discover only approved me for {$2000.00}, & took it upon themselves to initiate a " partial '' balance transfer of {$1900.00} with a fee of {$57.00}, without my consent! I immediately began chatting with, and calling numerous Discover agents to resolve the company 's error. First, I applied for a credit limit increase, but was denied, so I explained how I was only interested in completely paying my XXXX balance off, and not wanting to add an additional creditor with another monthly payment to my current situation, and if I couldn't be approved for the full amount that I applied for, then a complete rejection would be in order, because anything less would not be authorized by me. I proceeded to request that the pending transfer be cancelled/disputed, but each Discover agent I spoke with said that the transfer could not be cancelled/disputed while in a " pending '' status, and that I must call back once it's actually posted. Later that evening, the transfer posted, and I resumed chatting and calling the next day, requesting once again that the transfer be cancelled/disputed, just to be misinformed by each agent over a few different days worth of very lengthy chat sessions and phone calls. The final straw for me, was on XX/XX/22 at XXXX pm, when chatting with XXXX in Utah, he told me that " since the creditor received the funds, we aren't able to help dispute the transfer! '' Please review the enclosed supporting documents, as well as the above-mentioned chat sessions in my account.
02/28/2017 Yes
  • Credit card
  • Balance transfer
  • CA
  • 925XX
Web Servicemember
Discover card is informing customers that when they do a balance transfer in addition to normal purchases "... minimum payments are applied to balances with lower annual percentage rates first. Any amount paid above the minimum payment will generally be applied to balances with higher APRs. '' However, they are also not accurately relaying " If you usually pay for purchases in full each month to avoid interest, transferring a balance will change that.You will be charged interest on purchases unless you choose to pay your entire balance in full, including any transferred balances, by the first payment due date. '' So, what is happening is a customer will pay their minimum payment plus their entire purchases balance, but Discover will still charge them interest on that purchase balance, one that has just been reduced to {$0.00}. I do n't believe it is fair to charge people interest on a balance they have reduced to {$0.00} for that statement. An example {$10000.00} balance transfer with 0 % promo APR. Normal purchase APR of XXXX % ( for simplicity ). If a person makes {$1000.00} in purchases and has a minimum payment of {$200.00} for that month, and then they pay {$1200.00}, they will have a {$9800.00} balance remaining on the balance transfer, {$0.00} on their purchases balance, but Discover will still charge them {$100.00} ( 10 % ) for the {$1000.00} in purchases. It ca n't be right for people to be charged interest on a balance that is being reduced to {$0.00} on time and never carried over into another billing cycle. My situation was taken care of ( {$20.00} refunded. I caught it quickly ), but people need to be better warned when taking on a balance transfer. What if someone made a massive purchase with a high APR expecting to pay it off that same month when they had a balance transfer balance? They 'd get hit with instantly accruing interest not even accruing over at the billing cycle.
12/04/2015 Yes
  • Credit card
  • Credit determination
  • GA
  • 316XX
Web
I am currently a year and a half into rebuilding my credit. I have worked hard to resolve all outstanding issues and to gain and use new credit responsibly. My current scores range from XXXX, FICO, to almost XXXX dependent on the bureau pulled. My credit profile, while new and I work quickly to restore my credit, has multiple trade lines, all in good standing with very low utilization and perfect payment history, totaling almost XXXX in revolving credit. I started with secured and low credit line store cards, and have worked my way up to my first top tier rewards card I recently was approved for, a XXXX rewards world XXXX with a XXXX limit. My goal now is to phase out many of the rebuilding cards, secured, and store cards and move forward with sustainable products which make sense moving forward in my life. Discover it was one of the few cards on my goal list to have as a permanent credit product. I applied and was denied for an unsecured card, yet approved for a card with a co-signer. I am not in a place in my life where I need to or feel comfortable asking someone to co-sign on a credit card. I respectfully asked if Discover had a secure product, one in which I give my money as collateral for an equal line of credit to establish history, get my foot in the door, and help me build towards an unsecured discover product. I was told I did not qualify. How is it possible I can qualify for a top tier XXXX card with a XXXX limit, XXXX k in total unsecured credit, installment credit, a new car loan for XXXX @ 8 % ... ... .yet not qualify for a secured discover card with my money securing the line of credit??? I have respectfully asked for this to be reconsidered as I have already taken the credit inquiry but discover will not budge. I fell 1 ) that this policy and decision makes zero rational sense and 2 ) discover has failed to provide any reason which lends credibility to this decision. Thank you.
08/17/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • WA
  • 98406
Web
In XXXX, XXXX I contacted Discover about goods/services never received that I'd paid for using Discover. I stated I'd never placed a dispute before and didn't know what to do. The agent subsequently pushed disputes through for these charges : XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$6800.00} XX/XX/XXXX : {$10000.00} The Merchant received confirmation of the disputes and promptly called me freaking out and said he would be suing me if I didn't overturn the disputes. I contacted Discover and asked for help - asked specifically if the disputes could be put on hold or what my recourse could be if he didn't follow through with completing the work on my house. Payments were for installation of windows, a back door, and new siding on my home. Discover overturned the disputes when the Merchant said he would complete the work, and I never heard from him again. I contacted Discover again to note that he hadn't come to do the work and I'd subsequently received a notice in XX/XX/XXXX of him intending to file for bankruptcy. Discover has repeatedly said there's nothing they can do to help me and there's no way to dispute a charge a second time. I am under the impression they could do a chargeback, but they are stating that isn't possible and even though I've provided documentation the work wasn't ever completed and an email from the Merchant directly stating he won't be doing the work on my home - they are still maintaining there's nothing they can do. It was never communicated to me that I would not be able to dispute these charges again. In total, I paid $ XXXX to this Merchant, XXXX of it with Discover. Discover has blatantly refused to help. ADDITIONALLY - Discover has now deleted some evidence from my account of messages I sent stating specifically I'd never disputed anything before and didn't know what the process was. They are falsifying evidence to support their refusal to process the disputes.
11/27/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • VA
  • XXXXX
Web Older American, Servicemember
On XX/XX/XXXX I filed complaint with the XXXX XXXX XXXX XXXX XXXX, also called the Federal Trade Commission # XXXX and filed with FBI. I was scamed by a computer scam, someone claiming to be part of XXXX XXXX. Since I had called XXXX for a # to get my computer repaired back in XXXX I paid the computer people what was to be a lifetime warranty. When I had trouble this XXXX I called them again and was assured I would not be charged anything that I had the warranty. Anyhow they kept asking for XXXX XXXX cards. I stupidly believed them and kept getting more cards ( {$32000.00} wprth on all my cards. I have since paid the credit cards all the charges for the XXXX XXXX cards that I made. I kept all my receipts.is In XXXX this scam person, XXXX XXXX, asked for my credit cards-they would pay me back the money they owed me via the cards. I stupidly believe him and gave him the information, however, I did not give him the CVV number. I got a call from my XXXX XXXX, my XXXX XXXX card and my XXXX XXXX XXXX card questioning charges made to my account for XXXX {$400.00}. I told them no I had not made the charges and told them not to honor any more of those charges. They agreed and I have not been charged by them for any XXXX XXXX charges that had already occurred. I HAD ALSO CALLED DISCOVER CARD in XXXX or early XXXX, I had not heard from them, and told them not to honor any XXXX charges to my account. I did not know until the end of XXXX when I got a bill for {$2800.00} of XXXX charges on my account. I immediately called them, told them to stop again and reminded them I had called to stop these charges a month previous. They said they would investigate. There answer to me despite many calls has been since I gave out my card info I am responsible for these charges. They are completely ignoring the fact I told them NOT to honor any XXXX charges. Now they have sent my account to the 3 credit bureaus,.
10/20/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 76706
Web
I opened a dispute on XX/XX/XXXX for {$16.00} about the XXXX XXXX XXXX XXXX plant that I purchased XX/XX/XXXX that I received that is not as described. I uploaded a document explaining in words of why I was disputing this transaction and pictures to online discover disputes. I did not opened a case immediately because seller promised me that this was the item i purchased and one sign of that is to wait for plants leaf to change color in XXXX which never did and passed the XXXX buyer protection of 60 days or so. It was XXXX and the plant was clearly not what i purchased and did not change to a XXXX color as promised by the seller and thevleaves did not look like puctures and many garden experts said that this was not the XXXX XXXX. I contacted the seller but no response. I have more info and specifics of that in the case i opened with discover online. I was told by XXXX that they can no longer help and to go to my financial institution or Discover credit card company. I opened a dispute to them only to get denied a refund because discover customer service told me that XXXX refuted the dispute and that in order to get a credit from discover is to contact XXXX and work something out and agree for discover to give me a credit itself. I contacted XXXX and told me that they don't have the ability to deny a refund and told me there's nothing XXXX can do to help me since I filed a chargeback with discover and that discover should be helping me on this case. So I contacted discover again and they told me that there is nothing they can do. Discover customer support is requesting me to do something that is unrealistic to contact my merchant for proof that they will refund me to give to discover for them to give me a credit when the merchant is not willing to work with me. Discover should step in and help me when the merchant is not willing to work but discover customer service doesn't want to step in.
03/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30318
Web
Discover is in violation of federal law pursuant to 15 U.S. Code 1692c ( a ) ( c ) - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated. ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Communication is defined as ( 15 U.S. Code 1692a ( 2 ) ) ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. I the consumer have never given explicit written consent for Discover to " communicate '' or furnish an alleged debt on my consumer report. Consumer report is considered a " medium '' where information is furnished. I demand Discover cease and desist pursuant to federal law 15 usc 1692c ( c ). Discover is in violation if the account is continuing to report on my consumer reports and Discover does not have permissible purpose to report this account pursuant to 15 usc 1681b. Immediately remove from all consumer reports DISCOVER FIN SVCS LLC Credit Card with account # XXXX with a balance of {$1300.00}.
07/28/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CO
  • 80209
Web
I contacted Discover several times via phone, chat, and email to investigate a possible identity theft that happened. They never investigated, never gave me temporary credits, never froze my account, and never helped me to take preventative action. This led to Discover sending additional and UNauthorized cards to addresses that I have never lived at. The fraud continued to happened and led to over {$10000.00} worth of fraud charges that I am still attempting to be reimbursed for from Discover. These were some of the first charges and if Discover would have taken action, a lot more could have been prevented. I have provided police reports, FTC identity theft reports, credit reporting reports, and my own personal expenses to hire experts to prove that my identity was stolen and fraud happened on my card. The initial charges in 2016, totaling {$580.00} over 18 charges that included spending in 4 states. XX/XX/16 XX/XX/16 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX {$2.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX {$3.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX {$38.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX {$7.00} XX/XX/16 XX/XX/16 XXXX XXXX - XXXX XXXX XXXX {$28.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX {$14.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX {$27.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX {$14.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX {$28.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX {$35.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX {$25.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX {$25.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX {$32.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX {$33.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$71.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20.00}
07/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • VA
  • 24153
Web
On XX/XX/2022 I applied for a credit card via referral link sent by a friend, since I am a new green card holder here in the US and want to try increasing my credit score I tried to apply for this discover credit card and immediately I got approve without asking me if how long I have been living here in the US. I am so happy that I got approved to start building my credit score. However, when I got the physical card and activated it, knowing that I can already use it my first transaction was declined. So I immediately called the bank and ask why. So they say that I need to sign some documents so they can do a back check and its all fine with me. But the problem was they were asking me to provide a 3month bank statement until the XX/XX/XXXX of 2022. I called them again telling them that as much As I wanted to do that I can only provide a 2month statement until the deadline since I just arrived and started working here in the US just The month of XX/XX/2022. Then the only option they given me is to personally close the account or if I did not give them the requirements they need, they will automatically close my account even if I do not want it since either of those can greatly affect my credit score which initially the reason I applied for this is to build up my credit score as a starter. This is very frustrating on my part. They should have ask initially during the online application if for how long an applicant is currently residing in the US in that case that can immediately disapprove the applicant and not go through with process. Very disappointing. Me, together with my friends are now experiencing this situation that we dont want to happen when we applied. I tried calling them many times and they are just telling me the same thing, either close the account or they will automatically close it if we did not submit the documents they needed. Kindly help us with this discover credit card.
09/28/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • VA
  • 226XX
Web Servicemember
I purchased some XXXX XXXX XXXX from XXXX XXXX ID : XXXX in XXXX the item came with a missing part and the product would fall out of my ear. I returned the item back to XXXX on XX/XX/20 as instructed with their return label and XXXX tracking # XXXX. XXXX received the package on XX/XX/20 and never issued a refund. After numerous attempts in contacting XXXX I was getting the run around and never received a refund. I started a dispute with my credit card company Discover in XXXX. In mid XXXX I was informed by discover the tracking receipt I provided was not sufficient prior to that I was not notified that they needed additional information. I then reached out to Discover dispute customer service department were I was asked to provide a XXXX confirmation document, I did that, then I was asked that I needed to get XXXX on the phone line, I did that., at that time someone from XXXX XXXX on a recorded line from Discover and spoke with the agent and confirmed that XXXX XXXX the package and they did not understand why a credit was not issued. Discover credit card agent stated he had enough information to re open the case and if I have not received a credit in 3 days that Discover will issue a final credit and close the case. It has been several weeks the credit was not issued from XXXX and Discover is now asking for me to upload the document stating that XXXX would issue a credit, I uploaded the email to get Discover agent to say it was not enough. I am out {$240.00} no money no merchandise and a credit card company that is proving terrible customer service. I have had to do all the work for Discover so I can continue to get the run around from both companies. This is terrible customer service from Discover and a failure to protect the consumer from XXXX and their inability to refund clients. Discover has continuously provided misleading expectations and purposely has failed to protect my rights.
12/25/2015 Yes
  • Credit card
  • Other
  • CA
  • 92114
Web
I lost my job and got behind on my Discover Card payment. I contacted XXXX XXXX, a debt management organization, to help me consolidate my debt to get it paid off. I contacted them, but did not sign any agreement forms with them. On the advice of the Counselor they advised me to get my entire credit account number by calling Discover, this was in the month of XXXX 2015, since I no longer had the card. I called the XXXX number for Discover and was transferred to the collections department. I spoke with the representative and reiterated many times I have not signed with a debt management program I just need the account number. The Discover Collections representative threatened to send my account to their " attorney '' if I hung the phone up. So I was forced into signing up with their collections department 's program if I did not want them to turn my credit card account over to their " attorney. '' I discovered that what they did was unethical and perhaps illegal. I contacted Discover and was assured by a " manager '' that my recorded/monitored call would be listened to and they would follow up with me to know the outcome. I made numerous calls over the next two months to see if what that Collections representative did was unethical/illegal, but to no avail. Fast forward to XXXX I have signed up with XXXX XXXX for debt management services. XXXX contacted me letting me know that Discover had me in their Collections Department debt management program, therefore I could not be in XXXX 's. I was livid!! In XXXX 2015, I called Discover and spoke with a Manager who assured me I would be taken out of Discover 's debt management program. The Manager also said she would forward my complaint on to the correct department. I do n't believe Discover one bit I think they are scammers and if that Collections representative used unethical/illegal collections tactics with me he will use them with everybody
09/17/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • NC
  • 28217
Web
A little over a year ago I opened the discover card app & was offered a program that would freeze my card for 1 year. They agreed to lower my interest rate to help me get my balance down if I agreed to 12 months of automatic draft payments. The app presented this as an opportunity discover was doing to help me lower my balance. They said they would review my account at the end of the year but suggested that if I maintained my payments my card would be reinstated. I agreed thinking XXXX was being kind & reducing interest to help me lower the amount due. A year goes by & I completed their program perfectly. I spoke with a few reps thru their app and they said your account is being reviewed it should be turned back on soon. I called & spoke to that department today. They told me that because of other credit issues on my credit report ( such as medical bills ) they were not able to reactive my account until I took care of those other credit issues. Even though I have been a loyal customer with discover card for 18 years. I have kept up my payments with discover card for 18 years, they are refusing to reinstate my account until debts that have nothing to do with them are resolved. Had I known that Discover was going to do this to me I obviously would have never agreed to their program in the first place. I feel like they tricked me with false Promises to get me to agree to suspend my account & make a year of payments to them. I would have never agreed to this program had it been accurately explained to me. This program should not be offered thru their app but only thru a person as I was completely tricked. Obviously, even though I have been a customer of Discover for over 18 years & even though I have good payment history with them ... they must have considered me high risk and took an opportunity to trick me into a years worth of payments & me agreeing to never be able to use my card again.
02/19/2020 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • IN
  • 467XX
Web
Being unemployed, I have been doing my best to pay what I can on my credit card bills. I have explained this multiple times to XXXX XXXX. I no longer have a life insurance policy, no 401k, no savings. I have been trying to sell items online to make what money I can. I continue to apply for employment only to face rejection after rejection. And I continue to receive calls from XXXX XXXX, multiple calls. Calls in which the phone will ring. I answer the phone, hello, hello. And then you hear the call disconnect because it has been hung up. Very few calls are received in which an actual person is on the other end. And even those calls are stressful. I continue to explain the situation, and I continue to be told that I have to make payments on line, that my credit union account is not valid. I have told them that I never had an issue previously paying online. But something changed and I have since resorted to purchasing money orders from the post office. Apparently that is being seen as unsatisfactory. I have explained that at least that way I have a record that payment is sent etc. And still the calls. The following is the list from our caller ID of just how many times this is occurring. XXXX / XXXX XXXXXXXX// XXXX/ XXXX XXXX XXXX// XXXX XXXX XXXXXXXX//XX/XX/XXXX0/ XXXX XXXX XXXX// XX/XX/XXXX/ XXXX. XXXXXXXX// XXXX/ XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXXXXXX//XX/XX/XXXX / XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXX XXXX XXXX. XXXX am// XXXX XXXX. XXXX XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXX// XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXX I am trying to get them paid. But this number of calls is annoying and is causing additional stress to me. Harassment by phone is not helping me. As I stated previously, I continue to apply for employment. I am sending payments to Discover Financial.
06/29/2015 Yes
  • Credit card
  • Customer service / Customer relations
  • MD
  • 20874
Web
This is my XXXX complaint about actions of the Discover bank and account that I used to have in the past with them. My XXXX complaint was about disrespectful attention and harassment at work settings by hired attorney XXXX. I currently contacted the Executive office of Discover Financial Services. When my card stopped working at different places I requested to change my account and resend me a new card. They had changed my account and resended me a new card that I had never got in mail. I requested to to resend it again and no one respond me so far. Yesterday came to my work woman from Discover and its financial collection agency. I pay the card XXXX a month I requested to have online account ot save XXXX on money order and stamps they have n't bill me, I have n't received any paper statement with address of payment and the XXXX stands up too high payment based on my current income its over XXXX. I think everything is unrealistic. They also reported to the credit buraue I think that I do not have access to internet and card account to make payment. They just want to mess my credit and stopped all communications with me based on I believe racial discrimination of XXXX collection agency of my employment supporting XXXX of XXXX with prove of that card belongs to them and they will pay it off when will hire me. I am against of unwanted employment and actions that XXXX is taking for my personality discriminating me against desired employment and income and other factors which are happened with Discover financial at work settings. Please advise what I can do in that case. I mail payment but do not know if they are accepted and why they ca n't send me temporary card with online account or monthly statements with confirmation of my payments. I had never got the replaced card in mail and other mailings as well, only discrimination at work by XXXX agency hired to collect the debt. Please advise.
11/06/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MA
  • 02149
Web
My name is XXXX XXXX ; I am filling this complaint against two companies below : XXXX XXXX XXXX XXXX Balance : {$18000.00} Address : XXXX XXXX XXXX XXXX XXXX, Ma XXXX Phone number : ( XXXX ) XXXX Reported : XX/XX/XXXX Discover Balance : {$14000.00} Address : XXXX XXXX XXXX XXXX, DE XXXX Phone Number : ( XXXX ) XXXX Reported : XX/XX/XXXX My reason for this complaint is to ask for these companies to remove their charge or reports off my credit. These two companies have been on my credit report for a charge that had nothing to do with me. I was shocked myself to see the charges on my report. These charges were as a result of credit fraud activity and have been harassing me with letters and phone calls for something I did not do. These companies have added much stress into my life and I have taking the precaution of securing my credit and identity. I have since added a fraud alert on my credit report per XXXX XXXX as of XX/XX/XXXX, to prevent anymore of this type of activity. I have filed the following : Dispute letters on XX/XX/XXXX Investigated Disrupts to bureau on XX/XX/XXXX Direct disputes and validation to Discover and XXXX XXXX on XX/XX/XXXX Round 2 of dispute letters on XX/XX/XXXX Furthermore, I noticed a Texas address on my file that I did not recognize nor ever lived at upon creating an account with XXXX, which shows and proves the fraudulent activity that I had no idea about. The false address was : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I recently applied for a new line of credit on XX/XX/XXXX, and got denied. This was my 4th denial with this company ( XXXX XXXX XXXX ). I also got denied for limit increase with my current credit companies XXXX and XXXX. This is hindering me from additional line of credit to progress my life forward. I deserve to have the opportunity to obtain new line of credit and progress my life forward and these two companies are not allowing me to do so.
04/07/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • GA
  • 30062
Web
XX/XX/2020 - My Mother-in-Law was hospitalized in XXXX with a rather life threatening condition. The private hospital where we sent her asked for a credit card before they would release her. My wife gave out her Discover card number only as a pre-authorization. The hospital initially said that they would not even take the card as it was not a card recognized in XXXX. Upon releasing my wife from the hospital we arranged payment for the bill by alternate means. We had money wired directly from another bank. I immediately called Discover customer service to have the hold on our account released. The amount was showing up as a pending charge for around {$7600.00}. The first agent was very unhelpful and routed it as fraud, not explaining the situation correctly. This revealed a lack of training. I had the card cancelled not knowing that since a hold had already been placed for {$7600.00}, it would not matter. This will put us through an inconvenience as we had several accounts set to auto-pay with that card. Then after several more escalations to different agents and management, I was told that they could do nothing for me and I would just have to wait to see if the hospital did not reverse the charge. And they would not let me start a billing dispute either. Finally the last person I spoke with ( a manager named XXXX ) refused to even give me a email where I could reach them with further documentation that the bill had already been paid. This person used dishonest tactics to just try and get rid of me. I explained multiple times to multiple people that we had arranged payment for the hospital bill by alternate means but as of today XX/XX/2020 the pending charge for around {$7600.00} is still on my card. Discover financial also seems to have very poor customer service technology as several calls had to be dropped due to poor quality, leading to me having to call back multiple times.
04/21/2015 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't get flexible payment options
  • FL
  • 32832
Web
Hello, I am a 2011 graduate of XXXX XXXX University with a student loan outstanding debt of a small house in the country. The only problem with that is the outstanding amount the loan company asked me to pay every month, which I was n't able to do. It 's the equivalent to a monthly lease on an apartment. This caused me to be referred to a lawyer firm to " collect debt ''. I 'm constantly being harassed that I should settle or increase my payments. Both of which I ca n't do because I do n't make that amount of money to be able to do just yet. I 've asked to be on a lower payment plan ... denied. I 've asked what other options I have that could be worked out with me having to pay rent, eat, actually go to work to make money, etc. Nothing is really being done apart from the phrase " if you do n't increase your payments soon, there is n't much I can do. I 'm doing what I can, but clearly it is n't enough. The flip side to that is that I did n't land a job in the field that I graduated from. I 'm using what I did go to school for just a little bit. In all reality, I could 've just purchased software and used trial and error to figure this thing out. Now I 'm stuck paying this super huge amount of money back and the only thing I feel like was actually worth asking for a loan was the living expense that helped me get started in a new city as a young adult. At this point, I 'm sure I 've paid off that amount of living. In all reality, I do n't believe that XXXX XXXX University is worth taking out this much debt unless you already have something established prior to attending. After doing research and hearing the amount of complaints with this school and the graduation rate ... the proof is there. I have contacted other student loan help ( which worked ) concerning federal loans ( subsidized, unsubsidized ), now I would like to have my private loans reviewed to hopefully get a similar result.
10/03/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • TX
  • 752XX
Web
There is a billing error on my discover statements that were sent to me. I have notified Discover of the billing error thats on the account. A consumer credit transaction took place when this account was opened. I used my credit card Pursuant to Truth In Lending Act 15 USC 1602 ( l ) the definition of a credit card is a card, plate coupon book, or other credit device to obtain money, property, labor or services on credit. The credit card has an open end credit plan because there are repeated transactions that takes place when I use the credit card. There was an uninformed use of credit with this transaction and this is unfair billing practices. Discover failed to give an adequate notice Pursuant to 15 USC 1602 ( k ) ( k ) The term adequate notice, as used in section 1643 of this title, means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. I made an uninformed decision because the pertinent facts of this credit card agreement was not clear and conspicuous to me and to which I could understand its meaning. This would result in unauthorized use on my credit account Pursuant to 15 USC 1602 ( p ) ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I did not benefit from this transaction. Please see the attached letter as well for more explanation of the billing error on the account
08/19/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 757XX
Web
Did you recieve the Id theft report that I sent directly to you and through the cfpb? If so, then why are you not following the fcra and the ftc guidelines? ADDITIONAL RESPONSIBILITIES Victims of Identity Theft When you are notified by a CRA that a consumer 's identity has been stolen, you have specific duties under the FCRA. FCRA 605B If a CRA notifies you that information you furnished is being blocked on a consumer 's credit report because of identity theft, you must have procedures to prevent the re-reporting of the information. FCRA 623 ( a ) ( 6 ) ( A ) If a CRA notifies you that a debt has resulted from identity theft, you may not sell, transfer, or place that debt for collection. FCRA 615 ( f ) ( 1 ) If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) If you find that you furnished inaccurate information due to identity theft, you must promptly notify each CRA of the correct information. Going forward, you must report only complete and accurate information. FCRA 623 ( a ) ( 2 ) If you provide credit, goods, or services to consumers, you may be required to supply application or other transaction records to an identity theft victim or law enforcement officer, if they ask. FCRA 605B ( f ) 615 ( g ) If you establish or extend credit plans or accounts, you may be required to follow certain steps to verify a consumer 's identity when you see a fraud or active duty alert on his credit report. FCRA 605A ( h ) ( B ) ( ii ) NON-COMPLIANCE If you dont comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$4100.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621
11/01/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • IL
  • 628XX
Web
I contacted Discover Bank to dispute a {$25.00} fee that XXXX took from my account then lied to the CFPB and said they did not take it from my account for a NSF charge when the check had already cleared the bank! Complaint XXXX and my response to that complaint is below! Then the bank said they did pay it but I would be on hold for 45 min waiting to file the dispute or more! I told XXXX I could not wait as I work for the State of IL Dept of Employment and told XXXX her manager the same and asked them if they could file it for me as we are working 12 hour days and they only allow us two fifteen minute breaks a day and an hour lunch which I was calling on! So I am not able to call and sit on hold at any time and need to get the dispute filed, they would not do it and kept telling me to call back to XXXX. They will not listen. Please contact their corporate office and have them dispute and reverse the {$25.00} fee they paid to XXXX XXXX which was XXXX which was the fee they just told you they never received!! LIARS!!! I updated this complaint as well as the complaints I have filed with the FTC and the IL Attorney General with the letter I just received yesterday from these crooks all with screen shots for all transactions made on my account which show the exact dates and amount to taken from my checking account! The check was submitted XXXX times by XXXX XXXX Bank for XXXX XXXX and paid full on second attempt which is NOT and NSF! Then a week later these crooks stoled by ACH the {$25.00} fee for nothing! Yes they did get it my bank did not decline I have proof of all so do you as I sent all to your report fraud email address to give to you and so do the other regulators! I want my money back now or I will sue and for a whole lot more in fact! XXXX was sued by the FTC recently for the same fraud and had to pay billions as was XXXX XXXX, they have not learned and need to be shut down!
10/04/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Overcharged for something you did purchase with the card
  • MI
  • 48322
Web
I went with my XXXX year old mother to purchase a new car at XXXX XXXX of XXXX located at XXXX XXXX XXXX XXXX XXXX, Michigan. Prior to going there my mother and I had been to a different nearby XXXX Dealership for purchase of the identical vehicle she was sold fraudulently by XXXX. My mother is physicaly XXXX after a very serious automobile collission. At the time we went to the first dealership we discussed the vehicle she wanted, the accessories she needed, but my mother was not physically up to purchasing a new vehicle then. That salesman set her two handwritten letters saying she could lease the same vehicle she ultimately purchased for no money owed at the time of purchase, and lease payments of approximately {$150.00} per month, consistent with newspaper advertisements from all XXXX XXXX dealership. She was ready to purchase, called this salesman to discuss figures and he required she come into the dealership to discuss figures which she was unable to do this.She built the car on the XXXX build a XXXX website and received a call from a salesman at XXXX who said he would have her in and out of dealership in less than 30 minutes. Salesman asked me for my Discover Card. I said why, he said please sign receipt everybody pays {$1100.00} at closing. Salesman fraudulently for {$3600.00} which I did not know until I got my bill. Then two people came over and had us sign blank screen. In violation of Michigan Law we left the dealership without any purchase documents. Almost a month later we received the purchase agreement which was fraudulent as the dealership filled in figures after we signed blank documents and we never agreed on. It was fraud. Discover has a policy where they guarantee a best price guaranty that Discover violated. Discover will not dispute fraudulent {$3600.00} although it was clearly fraudulent as even dealer agrees they are in violation of Michigan and Federal Law
07/16/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 94565
Web
I made a hotel reservation for a work trip that stated it was non-refundable if cancelled more than 1 day after booking. My plans changed and I cancelled the reservation within 24 hours. The charge remained on my card. I contacted the hotel and they told me to dispute it with my credit card company. I did so in XXXX. In XXXX when I had not heard anything further I contacted Discover to inquire about the status. I was told the case had been closed in the merchant 's favor in XXXX. I asked why I was not notified and they said that they normally notify the customer. I told them I had provided an email from the hotel confirming the reservation was cancelled in the appropriate time and I was told to forward it to them and Discover would be refunding the charge " out of their own pocket ''. A week later I received an email from Discover to call in for important information about my account. I called and spent 5 hours on the phone with 10 different Discover employees, all of whom had no idea why I was asked to call. Finally I spoke to a manager who placed me on a conference call with the hotel and allowed the hotel manager to berate me and lie on the phone. When that was over the Discover manager laughed at me and stated that I would never get this money back then hung up on me. I then called Discover corporate and logged a complaint and asked for the refund I was told I would receive. 4 days later I received a call from someone else in corporate who told me they would not be honoring the offer of a refund and that the agents had been " spoken to ''. When I asked for a manager I was told there was no one further to speak to. When I asked to be transferred to the department to close my account I was hung up on. I have been told that Discover will refund this amount as they never notified me of the status of the case and subsequently been subjected to abuse by Discover and hotel employees.
02/24/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • VA
  • 22204
Web
I have XXXX issues. The most important is at the top. The other XXXX are smaller. Discover Student Loans has begun taking double payments from each money, starting in XXXX. I thought it was just some random issue with auto-debit but when I called to fix it, they claimed there was no issue. I 've attached part of a bank statement showing XXXX payments from Discover. I 've also attached the payment history from Discover 's webpage. As you can see, it is kind of a mess. But if you look at individual loans, you 'll see that each loan has actually had XXXX payments applied to it within a short period of time and then XXXX payment reversed. I did not make any manual payments, all happened automatically. The same thing happened at the beginning of XXXX. As you can also see, my bank account balance was sufficient for the payments made, and there is no reason a payment would be returned. Nor was any payment returned to my bank account. Obviously if they claim double payments were not made, they are probably not crediting those payments correctly. Additionally, I have XXXX smaller charged off loans with Discover. I have been making payments according to the payment arrangement we made. When I called to talk about the above issue, they claimed that the payments would need to increase despite our agreement and implied they did not intend to continue following the agreement. Regadless of whether a charged-off loan is due immediately, a subsequent agreement to accept a payment plan should be binding. Third issue, which may be more of a clarification, but I believe my loan payments jumped considerably around when Discover purchased these loans from XXXX. I have requested my Promissory note to see what the original terms were, but I do know that I was not always under such a large monthly payment, and the large jump in payments is much of the reason why the smaller loans ended up charged off.
02/05/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CO
  • 80922
Web
From approximately, XXXX, charges were made on my account on did not authorize. I have been disputing these charges for approximately 9 months now. 1 ) Company has refused to block the merchant until recently - doing so would have saved me additional 6 months of charges to my account equally of about {$90.00}. 2 ) company has refused to cancel the card and issue a new card stating " that they were reoccurring charges and they would still follow my account ''. Charges I have been disputing for approximately 9 MONTHS NOW! BIG 3 CC COMPANIES - XXXX HAVE DONE SO WITHOUT A PROBLEM. 3 ) Discover states they are only allowed to go back 4 months per agreement with??? Failed, refused, and ignored my request for PROOF OF SUCH AGREEMNT stating so either by Statute/Law/Regulation/Member Service Agreement in effect. To date I have been charged approximately {$240.00} for something I did not ever agree to, and I am only getting {$60.00} refunded. This is astounding, ridiculous, sloppy, and unprofessional. This could have ceased long ago. Discover takes no accountable or responsibility for what they failed to do, when they were notified of a problem on the onset. In addition, an investigation needs to be conducted as to why : 1 ) A consumer can not freeze their account. 2 ) Why a merchant can not be blocked from charging an account. 3 ) Why a card can not be cancelled and a new card issued. 4 ) why charges continue to follow and account even when its disputed or a card cancelled. 5 ) Why a company can refuse to provide proof of either Statute/Law/Regulation/Member Service Agreement in when challenging a company regarding a policy, especially one challenging a " 4 month '' rule for disputing charges for a longer duration. This is absurd and unheard of. I challenged this with XXXX and they lost. Charges going back longer than a year have been disputed and overturned because I won their challenge!
03/30/2018 Yes
  • Student loan
  • Federal student loan servicing
  • Struggling to repay your loan
  • Can't temporarily delay making payments
  • CA
  • 94010
Web
On XX/XX/XXXX, I found myself unemployed. By the middle of the month, XX/XX/XXXX, I realized that I ( probably ) wouldn't have a job on XX/XX/XXXX, so I called all of my student loan holders and request that my loans be put into forbearance until XX/XX/XXXX. XXXX XXXX and XXXX XXXX were able to process this request and I was approved on the spot, as my payment history is flawless. Flawless, too, is my record with XXXX XXXX XXXX. HOWEVER, they were unable to process my request due to " an issue in the system, '' and they promised to call me back the next day. They did not, so I called on Friday the XX/XX/XXXXand was told 1 ) that they would take me off of auto-pay so to avoid overdraft. 2 ) they are still unable to put my loan into forbearance due to the same system error. 3 ) they recommended that I simply NOT MAKE A LOAN PAYMENT instead of entering forbearance. 4 ) they have submitted my application and would call me when I was approved. On point # 1 - I was lied to. When I logged in, my account was still set to auto-pay in the first week of XX/XX/XXXX. On point # 3 - My concerns about what this would do to my credit rating were dismissed outright. On point # 4 - Please see below. I was lied to again. My next level of communication was through the website mailbox system. The response I received was that I need to call in to get my loan status changed. So I called today, XX/XX/XXXX and was told : 1 ) No one had *started* a forbearance request. 2 ) I should simply not pay my student loan for 60 days. 3 ) The forbearance request will be started and my auto-pay will be cancelled today. 4 ) Putting my loan into forbearance will accumulate so much interest, and increase my monthly payment amount that I'm better off just making payments when I can. And then I was " transferred '' aka hung up on ... so I doubt that my friends at XXXX XXXX XXXX processed anything on my behalf.
10/02/2015 Yes
  • Credit card
  • Closing/Cancelling account
  • IN
  • 46750
Web
Yesterday, XXXX/XXXX/2015, after placing an order at XXXX, I received a security alert from discover card saying that there was a hold on the order. I called discover card and the call was passed on to the security customer service. When I asked why they placed the hold on the order the agent said 'walmart red flagged the order '. I could not understand why this was done. I called XXXX and they said that they did not put a hold or an alert on the card but that Discover card did. I then called back Discover card to find out what the problem was XXXX I have {$3700.00} credit line with only XXXX outstanding charge of about {$51.00}. ) I went around in circles trying to find out why this order was red flagged each customer service rep. including their so called 'executive office of customer advocacy ' gave me the same story, 'we do n't know. They also had the online order of {$51.00} in pending status but they took that down yesterday. I called the online store where the purchase made today and they told me that they had been paid for the order by discover card, but as of this morning there was no charge on my account. I informed discover card that after this order was complete that I would pay it and close down my card because I do need this kind of stress. My credit rating is very good with 100 % ontimepayments and I could get a better card anywhere. Today XXXX/XXXX/2015, I checked my online account and it was closed. Now I have no way of paying this. I usually pay online thru my bank account. I am a XXXX individual and this episode had been extremely stress full for me. HOw do I pay this bill and how do I know when it will be available if I do not have access to my account? I think that the customer service repsmay be trying to get even with me because I told them I was going to file this complaint. Please help me to figure out how to pay this bill and protect my credit rating.
02/03/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Add-on products and services
  • MN
  • XXXXX
Web
I previously had a Discover Card credit card in or around XXXX. During this time, Discover Card offered a free credit monitoring and identity theft monitoring products, which they forcefully marketed to Discover Card holders. I do not recall signing up for these monitoring tools. Then, my credit card account was charged off by Discover Card, and the debt was then sent to an outside collection agency. I paid off the debt in full, directly through the outside collection agency, in or around XXXX.Since the account was charged off in-house by Discover Card, I continue to receive excessive and unrequested e-mails from their credit and identity theft monitoring products, which I have not been able to access or use since my account was charged off ; I have absolutely no use or access to these tools because I am no longer a Discover Card credit card holder. Despite that, Discover Card continues to send me these e-mails that alert me to any new changes to my credit file or any potential identity theft, such as finding my Social Security Number on the Dark Web. There is no link in the e-mail to unsubscribe from these e-mails, and because I am not a Discover Card account holder, I have no possible way to log into my account to edit my e-mail preferences to discontinue these e-mails from Discover Card on their products that only applied to me when I was a customer with them. The e-mails are non-stop and abusive. I am also concerned that Discover Card is knowingly and willingly misusing my personal information through their credit and identity theft monitoring products. There is no reason, whatsoever, that I should continue to receive these e-mails when I have not been a customer in several years, and furthermore, there is no way to unsubscribe for their excessive and abusive marketing e-mails concerning a product I do not have any access to. These e-mails are being sent to both XXXX and XXXX.
06/12/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • WI
  • 541XX
Web
First phone call : I called to confirm promo and what credit bureau is used since my credit is frozen They answered my question. The promo he had said " It is in an ongoing promo '' which means to me, that it is running, and something they always have. To Discover this means that it is something they sometimes have. Very misleading. I call because one of the credit bureaus was unable to be un-frozen. I called they ran a different and approved prior to this again verified the promotion. I did not have time to do the balance transfer at that time. I call after work to setup balance transfer. I'm told it is a 14 month promo, not 18 as promised on their website. They are not willing to honor the promo. They have since pulled my credit, approved a line of credit for something that I do not want to use as there are other options for me at 18 months. If I wanted something shorter I wouldn't have opened a new line and used a line of credit i currently have. They want me to fax the screen shot. I do not have access to a fax. I sent the link to the promo to them via XXXX messenger. Due to account security they refuse to forward to the manager required. It is not account information. It is a direct link to their site showing the promotion. I asked to talk to a higher manager and they are refusing. They are insisting on things they can't do instead of what they can. This is the digital age. I should be able to do this all via e-mail. How am I supposed to fax a link? They can't click on it. This could have all been resolved, but they insist on dragging it out. This is very poor business practice. Especially saying it is an " ongoing promotion '' What does that mean to you? Means to me that it is something that is available all the time. My credit has thus been pulled based on the information they have provided. This I am not able to undo and now is a negative impact on my credit score.
07/19/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 954XX
Web
On XX/XX/2022, Discover Credit Card cashed a mailed in check in the amount of {$200.00} from XXXX XXXX XXXX XXXX XXXX. Discover converted the mailed in check to an electronic check. Therefore, I do not have a photocopy of a check, but I do have the bank 's electronic check transaction information showing Discover cashed the XX/XX/XXXX, {$200.00} check from XXXX XXXX XXXX XXXXXXXX XXXX. My Discover Credit Card was never credited for the payment on XX/XX/2022, from XXXX XXXX XXXX XXXXXXXX XXXX. And my efforts at reporting the missing payment are ignored and instead Discover Credit Card keeps replying and referencing another, separate, payment that in the amount of {$200.00} from XXXXXXXX XXXX that I did not and am not reporting as missing. The Discover Credit Card company keeps sending me messages, via U.S. Mail and XXXX that my {$200.00} Payment on XX/XX/2022, from XXXXXXXX XXXX was received and credited to my Discover Credit Card. This is true and irrelevant. I've repeatedly called and mailed Discover Credit Card that my payment of {$200.00} from XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/2022, is the payment that is missing. I am uploading the electronic check transaction information for the {$200.00} payment to my Discover Credit Card on XX/XX/2022, that Discover Credit Card will not credit my Discover Credit Card even though the payment was cashed by Discover Credit Card on XX/XX/XXXX, and will not tell me why? Please have Discover Credit Card credit my account for the {$200.00} separate payment from XXXX XXXX XXXXXXXX XXXX that Discover Credit Card received and negotiated on XX/XX/XXXX. Please thank Discover Credit Card for doing the same with my other {$200.00} payment from XXXXXXXX XXXX on or about XX/XX/2022 ; but that this is not the payment that is missing and therefore has nothing to do with the missing payment I am repeatedly writing and calling about to no effect.
04/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • NY
  • XXXXX
Web Servicemember
Discover Card Financial Svcs ( " DCFS '' ). On XX/XX/XXXX, " XXXX '' from DCFS ' Executive Office located in XXXX, XXXX contacted Complainant by telephone to inform him DCFS was conducting a " verification '' of Complainant 's income tax records. Complainant told XXXX he is a XXXX XXXX XXXX who receives XXXX income. Complainant explained by federal law, he is not required to submit a federal income record. People on XXXX DO NOT PAY INCOME TAXES. Still, XXXX continued to 'gaslight " Complainant stating DCFS needs to conduct a verification with the IRS XXXX Complainant told XXXX the IRS will not release information w/o my consent. On XX/XX/XXXX, DCFS notified Complainant by mail and email his Credit Card was CLOSED due to " no verification. '' [ DCFS refused to disclose what they were seeking to verify in writing. ] On XX/XX/XXXX, after being transferred from DCFS ' Customer Service to DCFS ' credit bureau or XXXX XXXX XXXX XXXX XXXX Complainant spoke to a Svc. Rep. name " XXXX. '' XXXX explained according to the notes, Complainant was contacted on XX/XX/XXXX. Complainant was sent electronically a Federal Income Request Form - 4506 Federal Form. Complainant electronically filled out, and signed said form. Complainant e-mailed said form back to DCFS. THIS DID NOT HAPPEN! On XX/XX/XXXX, the IRS denied verifying Complainant submitted his XXXX income taxes. This is how DCFS justified CLOSING my Discover Credit Card. Accordingly, DCFS has committed Federal Fraud by misusing an online, federal, electronic signature 4506 Form. Then submitting said form to the IRS without my knowledge and consent. THIS IS FRAUD! According to my email server, no email contact was ever commenced on XX/XX/XXXX between Complainant and DCFS. DCFS ' IP Computer Address will show they never sent me a 4506 Income Tax Request Form. ( Had they done so, I would NEVER have filed it out. ) This is a federal crime.
07/15/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 757XX
Web
FTC theft report was sent. Ignored. I requested verification that I opened the debt, through a signed document or credit card receipt. Discovers response was : " XX/XX/2019. As this application was submitted online, there is no signed application to provide to you. Through this application we verified your name, address, date of birth, and social security number based on your request to open the account. '' Your response states that the only proof you have is that someone used my information to open an account in my name. You also state that you do not actually have a signed application by me. Without a signed application or credit card receipt you do not have verification that I opened the account or that I spent money on the account ... other than circumstantial evidence ... but not actual evidence. Discovers " evidence '' would not be permitted in a court of law, and should not be accepted as verification of the debt by anyone. Despite discovers investigation findings, without the proof that I requested, you can not actually verify the debt, because you do not have proof that i opened the account. Not only was I a victim of identity theft and fraud when the account was opened, but discover continuing to verify the debt to the credit bureaus, after receiving a ftc theft report, and after stating that they dont actually have proof that I opened the account is fraud against me and the credit bureaus. Please cease and desist all collection attempt of this debt from me, including but not limited to credit reporting. I have attempted to reach XXXX XXXX with discovers executive office repeatedly concerning this matter but he refuses to return my phone calls. I live and have lived in XXXX, Tx and not the address Discover has as mine. My credit report shows XXXX area as my residence as a result of identity theft. Attached is a photo of my address from the state of texas.
03/30/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • CT
  • 06511
Web
I applied for a Secured Discover It credit card in XX/XX/2018 and paid a deposit of {$500.00}. This is the exact webpage I clicked the " Apply Now '' link when I applied : https : //www.discover.com/XXXX The title of the webpage is " The Discover it Secured Credit Card '', It claims you get " 2 % cash back at restaurants or gas stations on up to {$1000.00} in combined purchases each quarter. Plus 1 % cash back on all other credit card purchases. '' As an aside : Discover offers 2 main types of cards with different rewards programs : 1. ) " Discover It '' - which offers 5 % back on different categories each month, 1 % on everything else 2. ) " Discover It Chrome '' - which offers 2 % back on restaurants and gas, 1 % on everything else At no point on the entire webpage where I applied is the word " Chrome '' ever written once. I applied for this card and gave them my {$500.00} deposit, under the auspices that this secured credit card offered the conventional " Discover It '' card benefits ( notably the 5 % cash back on rotating categories ) in addition to the " 2 % cash back at restaurants or gas stations '' being offered on the application page. Only today did I learn that I don't in fact have the " The Discover it Secured Credit Card '', like the web-page I applied to says I would, but rather I have a " The Discover it Chrome Secured Credit Card '', which comes with the 2 % but no rotating 5 % back categories. I was offered an oppurtunity to switch to the " It '' card, but was informed that if I did so, my new " Discover it Secured Credit Card '' would not have the 2 % benefits explicitly stated in their " The Discover it Secured Credit Card '' webpage. Essentially the website conveniently lied about the name of the card they were advertising and what you actually are capable of getting in rewards is much less than what they are explicitly offering on the application page.
11/01/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • NJ
  • 07024
Web
My Discover Card was closed due to a verification done last month, after almost 3 years of having the card. I received an email from, XXXX which i verified my discover information but did not receive any responses. I found out my account closed when i received an email about my identity protection was longer active about a week later. I asked why is there a verification being done was it because a payment bounced? At first they said it was XXXX requesting the info, then they said it was the IRS. Which I contacted both and found out discover themselves are doing these verification. I called back and they said they review taxes from 2 years ago. Which XXXX couldn't verify my information because i changed address and my marital status. I asked why they didn't contact me directly. They said because myself phone number wasn't under home but is under cellphone. They said they only called house numbers. I quickly responded letting them know they could have emailed me, called my cell, or even messaged my from the app like they done before for any issues. I've also provided them my check and ID number because they never increased my credit limit from XXXX XXXX and i was 100 percent on time with payments and my credit score was XXXX any balances on my credit were from an authorized user. This was done a month prior. the closure of this card has brought my credit to the low XXXX. it was one of my oldest cards that i worked hard on building my credit. It is not fair the credit card companies can advertise increases for one time payments and building credit then close your account without warning. This is the second time its happen to me and this low score and decrease in availably credit has affected me financially now having to pay higher limits on accounts i was working hard to refinance. One of the reps went as far to say that people had the card for 20 years and had their cards closed.
06/24/2022 Yes
  • Checking or savings account
  • Savings account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MO
  • 65203
Web
On XX/XX/23 I opened my Discover app to check my current account status. I noticed 2 withdraws out of my savings account, one for {$2500.00} and then another for {$2400.00} from a XXXX XXXX company. I then called the customer service line immediately. The customer service rep froze my accounts per my request but said he cant do anything about the withdraws and that I need to talk to the security team. He said the wait time was approximately 1 hour and asked if it would be ok to wait that long, if not to call back the security line directly from XXXX to XXXX XXXX. I took the number down but told him I am more than concerned due to the amount and would be wiling to wait. I was on hold for 3 hours and 32 minutes to have the call dropped. I had to continue working so I had my wife call and she had almost the identical experience, around 3 hours and 11 minutes on hold and her call was dropped. After not being able to reach anyone on XX/XX/23 I decided to call at XXXX XXXX XXXX the XXXX number given. I finally reached a customer service rep after being on hold for 28 minutes. This rep told me that she couldn't help me and that I needed to call XXXX to get help with that. I said " I wish I could screen shot my phone and send to you right now because this is the number we are on ''. She said right but the security folks are not available until XXXX XXXX XXXX. I then asked so you are requesting me to call back in 15 minutes to be able to speak to someone in security. She said yes. I called back 15 minutes later at XXXXXXXX XXXX XXXX to receive the automated message that they are experiencing a high volume of calls at the moment and to speak to a specialist would be over 3 hours. I hung up as I had to go to work and had my wife call. My wife has been on hold twice today now for over 3 hours. I still dont have any resolution or any way to get ahold of anyone to discuss this matter.
07/31/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • AP
  • XXXXX
Web Servicemember
I was approved for the Discover card in XX/XX/XXXX while XXXX to XXXX. I used the card a few times online and for a balance transfer. After that, my card was declined multiple times since then and I was unable to take advantage of the 0 % introductory rate due to Discover having a security lock on my account. I was told I had to complete the IRS 4506-C form and wait for the IRS to confirm my identity. My card was unavailable for use until the IRS sent that form back to Discover. I was at the mercy of the IRS 's timeline as to when the form was complete by the IRS. Still being XXXX my credit card was never turned back on. I was told I needed to call them. I was unable to call due to being XXXX. I went on leave in XXXX of XXXX and was finally able to call Discover. I was told my account was closed because I never completed an identity verification form notarized and sent back to Discover online. I am XXXX XXXX XXXX XXXX and have not been able to get back to the US to call them. They have a chat function which I was utilizing via horrible Wi-Fi. I pay my bills via Wifi online. Discover discriminately closed my account due to my XXXX XXXX status. This is a violation of the Servicemember 's Relife Act ( SCRA ) and the SCRA was created for this exact type of scenario ; to assist XXXX XXXX members from predatory lenders defaulting to their policies that exclude XXXX XXXX specifically. Had I been a civilian sitting in the US, I could have access to a serviceable phone in order to contact this lender in regards to my account. Discover says they closed my account on XXXX XX/XX/XXXX, after they contacted me via email requesting I fill out another identity verfication form and to get it notarized. I did that, paid {$10.00} for a notary at The XXXX XXXX and they still closed my account and state in the attached chat that they weren't successful in verifying the documents that I submitted.
05/23/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • GA
  • 30076
Web
Discover Card does not apply payments above the minimum payment to the highest interest rate first. I have not used the Discover card to pay for anything in months and am trying to pay off debt with the balance transfer. A significant share of the balance is currently in a higher purchase interest rate at this point and a small share has a low promotional rate, yet when making a payment with significant amount added to the minimum payment, only a small fraction of this excess payment is allocated to the highest interest rate. I have called Discover and emailed them. Both times they XXXX me with " you can not see this from the statements as it goes by average daily balance ''. Funny thing is, it seems to work when I make two payments, one for the minimum balance and one extra, on the same day, though they will not even credit two payments in one day but the extra payment with a 24 hour delay compared to the minimum amount payment ( and I make these payments within 5 minutes of each other in the morning ). And, every other credit card we have had, we could lower our interest by paying off the balance with higher payments, not so this Discover card. The interest stalls though we pay off every month. And their answer is " well your balance is going down ''. All I saw go down over the past 8 months was the promotional interest rate balance until I split up the payment last month. My husband has a card with them as well and we made a payment of {$1000.00} extra, and this payment was allocated to the highest balance, no problem clearly visible on the next months statement. I do not make extra payments of XXXX dollars, we pay an additional few hundred dollars each month. They cheat when it comes to one payment in excess of the minimum payment to the point that I have had months when my interest has not only stalled but increased as they shift the balance. Best regards, XXXX XXXX
06/20/2015 Yes
  • Credit card
  • Billing disputes
  • AR
  • 724XX
Web Older American
My granddaughter XXXX XXXX is XXXX in college with XXXX scholarship in XXXX, Ar. Her home is in XXXX, Ar. approximately XXXX miles from XXXX. She injured her XXXX and someone suggested she go to trainer ( XXXX XXXX ) for XXXX. XXXX XXXX works at XXXX XXXX in XXXX Ar. I authorized XXXX to use my Discover card ( XXXX ) as payment for one month of XXXX, consisting of XXXX XXXX secessions for total of {$300.00}. XXXX met with XXXX XXXX and agreed on a XXXX month treatment program of XXXX XXXX. XXXX was asked to sign an electronic pad. XXXX never received any copy of the contract they placed her signature on. She attended the XXXX XXXX as agreed and then never went back. After 3 months I noticed the monthly charge of {$300.00} & {$21.00} on card statement. I called XXXX and she said she did n't know what charges were for because she had completed her agreement and had not been back. I called the XXXX XXXX office and after a discussion requested a copy of contract. I ask them to stop charging the membership, and they stated that there would be a cancellation fee of {$200.00}. They stated that XXXX signed a contract for 12 months and not 1 month. XXXX stated that she would never waste my money by signing a one year contract, knowing that she would only be in XXXX during school and home in XXXX the rest of the year. On XXXX XXXX I called Discover and requested a block payments from XXXX XXXX XXXX XXXX ( the owner of XXXX XXXX in XXXX, AR. ). I then called XXXX XXXX. He agreed that XXXX only received XXXX treatments. He said they would refund the other charges and remove her form their data base. A few days later XXXX forwarded an email from XXXX stating that there would be no return of unauthorized charges. Enclosed are copies of disputes and block charges with Discover and email from XXXX XXXX, and copy of contract that XXXX name was placed on without her knowledge or consent.
06/23/2015 Yes
  • Credit card
  • Billing disputes
  • FL
  • XXXXX
Web
I sent a payment for {$40.00} to Discover. They ran my check as {$740.00} on XXXX. I talked to them on XXXX and was told that it was an automated error. They pulled my check and said that it was clearly written for {$40.00} and they did not know why the automated system read it as {$740.00}. The amount caused my bank acct. to be overdrawn and I had no access to my money. I was told by Discover that it is an automated process and the system could not be over-ridden. And that their system would try to post my check a total of XXXX times before being kicked back. They were able to credit the money back to my bank on XXXX. I thought everything was taken care of, then Discover tried to post the check for the same amount again on XXXX. My bank acct. was again over drawn and I had no access to my money over the weekend. I called Discover again on XXXX and explained the issue again. I was told that my acct. would be credited again on Monday XXXX. It was not ; so I called again and was told that it would take up to 15 days to resolve the issue while they do an investigation. Meanwhile, I can not access any money in my bank account because of Discover 's error. I can not withdraw cash! I can not use my debit card to buy gas or groceries! I can not pay other bills because the checks will bounce since Discover has essentially locked up my bank acct. and I 'll end up paying either late fees or returned check fee. There is absolutely no excuse for this and their should be some way Discover could go in and manually override their system when they make an error such as this regardless if it is automated or not. At the time of this writing I still have no access to the money in my bank acct. because it is shown overdrawn because of Discover 's error and not rectifying the situation in a timely manner. And I have no idea when I will be able to access the money in my bank acct because of this.
10/14/2015 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • FL
  • 32907
Web
B DISCOVER FIN SVCS LACCOUNT NUMBER : XXXXXXXXXXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXXPHONE : XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify B DISCOVER FIN SVCS L or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : B DISCOVER FIN SVCS L or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. Sincerely, XXXX XXXX SS # XXXX XXXX # XX/XX/XXXXADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
07/20/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • CT
  • 06512
Web Older American
On XX/XX/XXXX after speaking with numerous customer service representatives, I sent the following letter to Discover : " To whom it may concern, I am writing with regards to a discrepancy on my bill. In XX/XX/XXXX, I did a balance transfer and since then I have spent hours ( and I do mean hours ), trying to reconcile the numbers. According to my calculations, I owe ( round numbers ) {$1300.00}, according to my statement closing date XX/XX/XXXX, the remainder due on the balance transfer is {$1500.00}. Every month I've made a payment in excess of the current charges, assuming whatever was left over would be applied to the transfer. And even though the current charges were paid in full, I was still being charged interest. I've stopped using the card and it remains to be seen if I ever use it again. Meantime, I am requesting a month-by-month breakdown DO NOT SEND a convoluted, undecipherable computer printout. I want to see line by line how my payments were applied by bill date, ie current charges were... payment was this much... this was left over and applied to the loan, etc. '' Their first response was sending a form letter on how they calculate and assess interest charges. I wrote a second time- they responding by sending a copy of the XXXX XXXX. I then called the XXXX XXXX of Customer Advocacy and again requested, " month-by-month breakdown DO NOT SEND a convoluted, undecipherable computer printout. I want to see line by line how my payments were applied by bill date, ie current charges were... payment was this much... this was left over and applied to the loan, etc. '' I received another copy of the XXXX XXXX and copies of the last six months of billing statements. I called again today and was told what they sent was the response to my inquiry. No it is not. If Discover can't explain in real numbers how my payments were applied, how am I supposed to figure it out?
10/03/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MA
  • 02467
Web
I have Discover card ending XXXX. In XXXX of 2023 I had a balance on this card {$14000.00}. On XX/XX/2023 The convenience check issued by XXXXXXXX XXXX XXXX XXXX with my wife 's name : XXXX XXXX was cleared by Discover. The amount of that check was {$14000.00}. That check number was # XXXX. My wife run into a problem with XXXX : XXXX insisted that the check was not # XXXX, but # XXXX. The problem - # XXXX is not promotional check, and 20.24 % ( instead of 0 % ) XXXX started to accumulate. On XX/XX/2023 my wife spoke with XXXX and XXXX asked me to get the evidence from Discover that the check Discover cleared for {$14000.00} had number # XXXX. On XX/XX/2023 I called to Discover and spoke to agent XXXX. I was provided " memo line XXXX - XXXX ''. On recorded phone call I was promised to get e-mail dated XX/XX/2023 and paper mail confirming that the check cleared by Discover was # XXXX. The promised e-mail never came. However, on XX/XX/2023 I got e-mail asking to call Discover to discuss important matter. I called to learn from agent XXXX that both e-mail and paper letter will not be sent. She said that agent XXXX made mistake trying to help me and my wife to promise those letters. I asked XXXX to transfer me to a supervisor and provided my work number for supervisor to call me during business hours as I don't have mobile reception on my phone being at work. XXXX wrote the number, however the supervisor called twice on my cell and left message to call back at the number on the back of my card. I called back and spoke to somebody XX/XX/2023. The representative said that the letters verifying check number were sent XX/XX/2023. When I asked to resend e-mail as I never got it, the representative said that she can't. All I need is the letter from Discover stating the check # .... paid to Discover XX/XX/2023 I'm attaching Discover statement showing payment {$14000.00} XX/XX/2023
01/03/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 440XX
Web Servicemember
I owe over {$1000.00} to my Discover Credit Card and currently can not pay. They were calling me multiple times a day, but almost never leaving messages. On XXXX XXXX at XXXX I received a call from them, followed by a voicemail. My husband was home from work that day and called me a few minutes later telling me he received a phone call from Discover, looking for me. This floored me. His phone number was never put into my account, I even double checked as soon as he told me about this. He received a call at XXXX ONE minute after they called me. The following day ( XXXX XXXX ) I called Discover and asked them whey they called my husband when I never had his number on my account. They told me was that my husband 's phone number was placed on the account the day before ( XXXX XXXX ) but my husband NEVER gave them permission to put his number on the account, and he told me that they never even asked his permission when they called. So just because he answered and verified he was my spouse, they took that as an okay to put his number onto the account?! I was then transferred to someone else, and told that they have a department that will search for other phone numbers to call and try and reach the person they need. I asked how this is okay and they could n't give me an answer. They just kept telling me that they have this department. How in the world is it LEGAL to search for someone else and call them without any permission? What if my husband and I had been separated or going through a divorce and he starts getting calls about MY CARD? Prior to making my phone call to them, I tried dealing with online support on XXXX XXXX and that was a train wreck as well, and they should really work on training their workers better. I am appalled by this and think it is WRONG that they A. call multiple times a day, and B. can just find other people 's phone numbers to harass you even more.
01/02/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 94403
Web Older American
In XX/XX/XXXX, I received a call from Discover Account Services. They asked if I was XXXX XXXX XXXX , I explained that I wasn't but I was married to a XXXX and had been divorced since XXXX and my middle name didn't begin with an H. They proceeded to tell me that I had a balance of over {$8000.00}. I told them this must be fraud as I haven't had a discover card since XXXX when I applied for a mortgage. Many phone calls in XXXX and XXXX finally resulted with me speaking to an individual who explained that the account was paid to {$0.00} in XXXX but not closed. She then closed the account and gave me a reference number. She said should I receive any calls to give them this reference number. Today, XX/XX/XXXX, I spent XXXX hours on the phone because I received XXXX invoices from Discover informing me that I had a new balance of {$400.00}. I was transferred XXXX times and the last woman I spoke with, XXXX in XXXX, informed me that she spoke to the " Specialty '' Department and they had taken care of this and my account will be XXXX. Dear Government representative, during this time my credit score dropped XXXX points and I asked if this could be cleared up since the problem was on their end and they have no answer for me. I am a US Citizen, a XXXX XXXX who hopes to retire in a few years. I have a mortgage and I am concerned that this situation/issue, through no fault of my own, will affect either my social security or pension in the future. Not to mention should I want to downsize and get another mortgage. Can you help me? I want this account in this name no longer associated with my social security number and address. I want a summary of my account showing that it was closed ( that I could show a bank or other financial institution ) and my credit rating restored by Discover card informing the credit reporting agencies that this was an error on their end. Thank you.
06/24/2022 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Funds not received from closed account
  • NJ
  • 074XX
Web
I opened my savings account at Discover Bank and I transferred all my savings from my current savings account to them. After they received the money they shut my account down, told me there was fraudulent activity, and gave me a number to call them to look into my account. After being on hold for more than 8 hours I was finally able to speak with a specialist and she told me the money would be sent into my previous account immediately but it wasn't. I had to call again and be on hold for more than 4 hours and this time they told me they will be sending a check in between 60-90 days. I then asked to update my address since I will be moving and I will not be able to receive the check by the time they send it. They have transferred me from one department to another for this and are refusing to update my address or explain why they shut down my account the second the money was accepted. They have taken my money and refuse to communicate with me. I opened my Discover savings account on XX/XX/XXXX, I transfer XXXX on XX/XX/XXXX and they received the money on XX/XX/XXXX at XXXX am and six hours later they closed my account and refuse to send the money back. No one answers the phone, I asked to talk to the supervisor twice and they don't pick up the phone, one agent told me they would cancel the transfer immediately and the other that it will take 90 days, they refuse to update my address for the check to be sent and they are not taking any action on my case. They advised me to talk to my other bank to see if they can recall the transfer since they are not able to do it sooner but they already take and hold all my money. I am not able to wait for that long for my money to be sent back, those are all my savings, I have bills to pay, rent to cover and expenses to be cover.I need help and they are not helping me in any way. Please help me get my money back I really needed it.
12/26/2015 Yes
  • Credit card
  • Billing disputes
  • NY
  • XXXXX
Web
I am writing regarding the unscrupulous and horribly corrupt methods of Discover Card Financial Services located in XXXX XXXX XXXX Utah. I had purchased a microwave from XXXX using my Discover Card, and I had the microwave installed in my home. I subsequently discovered that the microwave may have been a used unit as there was no warranty card or owner 's manual. Since I was dissatisfied and very unhappy with the microwave unit, I informed XXXX I was going to return it. They agreed to take the microwave back and I returned the unit on XX/XX/XXXX, and it was on that date XXXX removed the unit from my home. XXXX refuses to acknowledge my return and authorize the refund of the {$640.00} which includes the cost of the microwave and the installation. But it is Discover Card that is causing me terrible distress in my dispute against XXXX. Discover Financial Services/Billing & Disputes Department continues to give me " temporary credits '' only to reverse them back to my card. This is despite the fact that I have a signed receipt with a signature proving XXXX installers came to my home and picked up the unit. I have sent proof of return twice to Discover, and I have spoken to countless representatives. I have documented everything in chronological order with detailed information regarding this dispute. Discover Billing and Disputes refuses to cooperate and give me a permanent refund. As it stands now, I have no microwave. XXXX stole my money, and Discover Card is playing hardball against me by refusing to give me the permanent credit. I have a letter which documents everything, along with everyone I 've spoken with and every date. I am request that your office intercede with Discover Card Financial Services forcing them to give me a refund. I am devastated over this. Discover Card is protecting XXXX. Please help me in this matter. Thank you for your assistance.
03/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • NY
  • 10011
Web Older American
YOUR IMMEDIATE ATTENTION, PLEASE CLARIFICATION/AMPLIFICATION : CFPB COMPLAINT # XXXX FILED BY TELEPHONE ON XX/XX/22 AGAINST DISCOVER BANK I APPLIED ONLINE FOR A DISCOVER IT SECURED CREDIT CARD. I DEPOSITED {$1000.00} IN DISCOVER BANK AS SECURITY. MY APPLICATION WAS APPROVED. I RECEIVED THE CARD. I ACTIVATED THE CARD BY TELEPHONE ; IT WAS IMMEDIATELY USABLE. DISCOVER BANK MAILED ME A FIRST-CLASS LETTER INFORMING ME THAT A TEMPORARY HOLD HAD BEEN PLACED ON MY NEW CARD, THAT I NEEDED TO FILL OUT THE ENCLOSED ID VERIFICATION FORM, HAVE IT NOTARIZED AND MAILED WITHIN 14 DAYS ; OTHERWISE, DISCOVER BANK WOULD ABRUPTLY CLOSE MY NEW ACCOUNT AND RETURN MY {$1000.00} DEPOSIT. ( THIS ADDITIONAL REQUIREMENT WAS NOT PREVIOUSLY DISCLOSED TO ME. ) I SPOKE BY TELEPHONE WITH A SUPERVISOR IN DISCOVER BANK 'S CUSTOMER PROTECTION SERVICES DEPARTMENT WHO TOLD ME THAT I DID NOT NEED TO SUBMIT A NOTARIZED ID VERIFICATION FORM. THAT I SHOULD DISREGARD THE FIRST-CLASS LETTER I HAD RECEIVED AND THAT THE TEMPORARY HOLD ON MY NEW CARD WAS REMOVED. I USED MY NEW CARD ONCE. I RECEIVED AN EMAIL FROM DISCOVER BANK STATING THAT A SECOND TEMPORARY HOLD HAD BEEN PLACED ON MY NEW CARD AND THAT I NEEDED TO SUBMIT A NOTARIZED ID VERIFICATION FORM QUICKLY OR ELSE. I TELEPHONED DISCOVER BANK 'S CUSTOMER PROTECTION SERVICES DEPARTMENT AGAIN TO RECTIFY THIS REPEAT PROBLEM, BUT NO SUPERVISOR WAS AVAILABLE TO AUTHORIZE IT. I FILED MY TELEPHONE COMPLAINT WITH THE CFPB ON XX/XX/22. I AM OUTRAGED BY DISCOVER BANK 'S SHAMEFUL AND UNNECESSARY HARASSMENT OF ME AS A NEW CUSTOMER! OBVIOUSLY, DISCOVER BANK IS BADLY CONFUSED AND DOES NOT KNOW WHAT IT IS DOING! I WANT THE CFPB TO COMPEL DISCOVER BANK TO IMMEDIATELY REMOVE ITS TEMPORARY HOLD ON MY NEW SECURED CREDIT CARD SO I CAN CONTINUE TO USE IT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX, NY XXXX SINCERELY XXXX XXXX XXXX XXXX
07/11/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • AZ
  • 85042
Web Servicemember
Upon my receipt Discover 's annual year end summary XXXX, I noticed that I was being charged to separate interest rates. I had never seen this before, as I had never really reviewed any of their annual year end summaries. I filed a complaint with the Arizona Attorney General 's Office ( XX/XX/XXXX ) and Discover 's EO of Customer Advocacy, XXXX XXXX, insisted that I agreed to a promotional offer, and I did not. The matter has been an ongoing back and for rehashing of the XXXX XXXX repeating that I accepted the promotion offer, and me of course adamantly denying this fact. None the less I and still being charged 2 separate interest rates. In lieu of all of this, I have never been offered the opportunity to pay off the balance of the promotional to eliminate the need for 2 interest rates, nor am I allowed to allocate my monthly payments. I called into customer service on or about XX/XX/XXXX, to inquire as the reason for the replacement card. I was then advised that it was due to the New Chip, as my old card did not have a chip. I then asked why only one card when my spouse is an authorized user and yet only one replace card was received. The customer service representative advised that a replacement card would be sent in the name of my spouse. At this point, XXXX XXXX is claiming that I agreed to the promotional and has not provided a copy of the recorded conversation stated that I agreed to any promotional. I totally understand the fundamentals of promotional offers and from time to time I take advantage of promotional offer when it is beneficial to my needs. And this particular offer would not have been in my best interest or beneficial to me in any form. My XXXX account is attached to my Discover Card, considering that myself and spouse are constantly making purchases on XXXX. With this in mind I can not not feasibly see their alleged promo being of any benefit to me.
07/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33065
Web
Over the last year I have been dealing with an unauthorized inquiry from DISCOVER FINANCIAL. Reporting an unauthorized inquiry. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house hold purposes. The inaccurate reporting have damaged my livelihood. I contacted DISCOVER, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. They admitted on there recorded phone line that I XXXX XXXX never had a application nor an account with DISCOVER FINANCIAL SERVICES. I also contacted XXXX, XXXX, and XXXX. Which each company placed blame on the other and advised me to call the CREDITOR and call the CREDIT BUREAU. Call the CREDIT BUREAU call the CREDITOR. It became very immature and aggravating. I was not able to get any sufficient answers nor any resolution. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. According to 15 U.S. Code 1681s2, XXXX XXXX has a duty to provide accurate information to the consumer reporting agencies. It is prohibited by law to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
04/06/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 34771
Web
I was charge twice for the same item from a merchant which two bank card was charge on the same day for the same amount for the same merchant.. The correct charge was place on my XXXX XXXX XXXX ending in XXXX in which I authorize and approve The charge on my Discover card in which I was told by the merchant that it was denied by the bank.. In which i needed to pay on a different card in which I use my XXXX debit card which is link to my checking account On XX/XX/2023 i open a dispute with Discover Card in which the case number is XXXX and XXXX I told them i needed to open a dispute because I pay by other means in which the charge on my Discover was invalid because the merchant said it was decline. I was told to send in documents showing that i paid with a different payment method.. Discover open my dispute in which they issue me a temporary credit for both charges On XX/XX/XXXX merchant contact me by text message to inform me that they will be issue me a refund back to my Discover Card ending XXXX for both charges. In which they sent me proof of the refund in which on the same day I called Discover in which I told them I was getting a refund and that I should close the case.. In which I close the case on XX/XX/XXXX 9 days went my ad I didn't receive the agree refund in which I contact the merchant on XX/XX/2023 by text message and was told that they process my refund and their nothing they can do for me.. I contact Discover on XX/XX/2023 in which I explain to them that I never received the refund as agree in which the agent inform that I need to upload documents showing the merchant agree to give me a refund in which I upload.. I was told XX/XX/2023 that a agent contact the merchant in which they say they didn't agree to give me a refund in which is incorrect because I have info they sent to me showing i was getting a refund and I was denied of getting the credit
05/24/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • FL
  • 34609
Web
I had lost my Discover it card back in XX/XX/XXXX and had called Discover to replace it. I could not login into my account to check my payment status. I had called Discover customer service to resolve the issue, and they assured me I had automatic payment setup in XX/XX/XXXX, and also sent me out a new card. Later, when regaining access to my account I saw I had missed XX/XX/XXXX payment and immediately made it. I had called Discover and asked how come my payment was not taken out, and they said it reset itself after a new card was sent out. I was concerned about a 30 day late showing up on my credit reports, but they assured me I had the late payment forgiveness, and to check my credit reports and if it did show up to call them immediately and they would resolve it. The 30 day late did show up all 3 credit bureau reports, and I had called Discover back to find out if they would honor their late payment forgiveness. They said the late payment forgiveness is only for late fees, and not for what they report to the credit bureaus. I felt this was misleading as nowhere when they advertised this product in XX/XX/XXXX when I had signed up about this being the case with the late payment forgiveness. I have an excellent record of zero late payments on my credit reports, and assured Discover this does not reflect my record of making on-time payments. I had requested a good will adjustment due to Discover advertising the late payment forgiveness, and in respect to the fact I have always had on-time payments hoping they would honor the request. Discover will not work with me in addressing the 30 day late on my 3 credit bureau reports, and that mistakes on their part regarding their representatives assuring me my auto payment was setup, and how they would resolve my issues with the reporting of the 30 day late to the credit bureaus were not their fault and is my responsibility.
05/25/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 92887
Web
X/XX/2017 -- I ordered XXXX tickets to XXXX XXXX from XXXX website for {$300.00}. XXXX sent me an email that the charge was declined by Discover. At the same time, Discover sent me an automated email of fraud alert and was asking me if the orders were valid. I did not respond to their email but instead called Discover on X/XX/2017 . So, during my conversation with the representative at Discover on X/XX/2017 , I was told that there should be no problem with my card. I asked if the order made on X/XX/2017 went through. I was told no. Worried that I might get charged twice, I asked if I should place the order again. I was told by Discover th at Discover does no t run through what it declined, so I should place the order again. I placed an order again at XXXX site on X/XX/2017 for XXXX tickets at {$300.00}. On X/X/2017 I checked my XXXX app and found XXXX tickets. I called Discover because I had been charged twice on my credit card. I called Discover because it is Discovers fault first, they declined the order, and second, they told me the first order did not go through and that I should place the order again. Discover removed the disputed charge of {$300.00}. On X/XX/2017 , I calle d Discover to follow up on my dispute. Sometime in XXXX , I contacted XXXX to ask them to remove the duplicated tickets from my app. But, they said they couldnt because the tickets can not be returned as they exceeded th e 3-day window. I have not clicked on any of the tickets ( I believe clicking them means that the purchaser has accepted the tickets ) because I might click on the ones that were disputed and it might make the dispute invalid. On X/XX/2017 , I found out that Discover put back the disputed charge of {$300.00} into my credit card. I called Discover again, and they will have a supervisor call me within 3 days.
11/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 604XX
Web
BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, Nor is it a request for statement copies, but a request for VALIDATION made pursuant Fair Debt Collection Practices Act, 15 USC 1692g. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Sincerely, XXXX XXXX
01/05/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AZ
  • 85050
Web
DISCOVER CARD : Back in XX/XX/XXXX+XX/XX/2015, I was in the middle of an ugly divorce. My Ex Wife was responsible for all the monthly bills but she never paid a discovery CC bill totaling {$8.00}, and as a result, I now have a 30 and 60 day late flag on my credit. She later admitted that she intentionally ignored it, but i have absolutely no recourse. Regardless, for {$8.00}, is it really worth significantly impacting someone 's credit over it? I didnt receive a phone call from Discover Card until it was 60 days past due, which I immediately paid and also made a request for them to please reconsider impacting my credit as a result of this. I pay all my bills, yet i now have to explain this situation every single time I 'm buying a car, a home, a student loan, and even at XXXX for my cell phones. Things happen in a divorce, and this was an intentional act to sabotage my credit and she succeeded. How can i settle this once and for all with Discover card? XXXX XXXX : Due to work relocation from XXXX to XXXX, we had to move and sell our house wherever the market was at the time. Unfortunately it was at bottom. Our appraisal came in so low that we were short the amount to pay off our 2nd mortgage, which was with XXXX. We offered to refinance and carry the debt and continue to pay it when we move to XXXX but the collateral to that load was my home in XXXX. We negotiated with them that we 'd pay whatever we could at that time and since the govt was insuring these loans back then, they agreed to not process the closing of this account as a short sale. Unfortunately they DID process it as a short sale and I have n't been able to buy a home going on 6 years now as a result of that. It ended up being a scam. They got reimbursed by the Fed, and I got killed with a short sale. Why..? I never had a late payment on that loan, ever. I have 4 credit cards with XXXX today, never
04/30/2016 Yes
  • Bank account or service
  • Savings account
  • Account opening, closing, or management
  • AZ
  • 85254
Web
I opened Discover Online savings account as per the promotion mentioned in XXXX. Everything was done properly and after meeting the terms and conditions ( opening the account by XX/XX/XXXX and depositing $ XXXX before XX/XX/XXXX ) - I was awarded {$100.00} as cash back bonus. At the time of account opening process ( as i had the discover credit card ) - it simply asked me all the information ( userId, password of discover card to login ) so that it can auto fill all my information. Even after that i was given XXXX user id-one for credit card and another one for discover bank account? Why?? It 's not the case with every Discover card member. When i called today during XXXX to XXXX pm - i was told it is due to security reasons ... that was absolutely wrong answer ... are remaining millions of discover customers not secure. My other problem is - i tried to do the transfer of {$15000.00} to my XXXX checking account and that transfer was scheduled also ... but then Discover send me an email that they are suspending my funds transfer facility ... i should call at this # XXXX to reactivate that. I was told that they are 24 X 7 ... when called today during XXXX to XXXX XXXX ... after going all the validation questions ... the customer service person told me that i need to call tomorrow as the team which is suppose to talk to me is gone for the day?? why discover is lying here ... why they are saying 24 x 7 when they are not? i asked them to call me when they can ... later i asked them to close the account and send me the money into my account by check at my registered mailing address ... .she refused for that also ... telling that unless that team will talk to me ... they ca n't close the account either ... this is unacceptable ... neither they are providing good service nor they are letting me have access to my own money in the name of security and other useless reasons.
03/15/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • TX
  • 770XX
Web
I applied for a credit card with Discover with a credit line of XXXX. My application had got approved. While waiting on my credit card, an agent from Discover emailed me in regards to submitting additional documentation in order to have access to my card. They asked for my bank statements and tax documents. Ive already sent them my bank statements, which is not required to fill out the application for the credit card. Discover asked for my consent to review my taxes. I dont consent to sending my tax documents simply because its not a requirement when applying for a credit card or after once youve been approved. And because Ive already sent them my bank statements. I feel that they are discriminating me due to my race & my XXXX orientation. Im XXXX. No one else I know has gone through this process or are going through this process. Had I known or was made aware at the beginning of the application process, or even after I got approved, that l was going to have send in additional documents to get my credit card, I would HAVE NEVER took the time out to apply for this card if I knew I was going to be hassled & discriminated against due to me being XXXX and XXXX. Theyve already ran my credit and now its a hard inquiry on my report. Which stays on my report for 2 years. Which also makes me feel like they are trying to sabotage my credit score. So Im still confused in regards to why they are still wanting additional documents. Its my right to deny Discover consent to look into my tax information. I called Discover and I even asked why they need this information and I was told by a supervisor that I couldnt get that information for security reasons. Which is even more confusing because how can you not give me information thats pertaining to my account. So I need someone to reach out to me ASAP, because I want to nip this in bud so that it wont happen to me or anyone else.
03/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 77086
Web
Hello I have a major issue with discover I have been a long standing customer about 6yrs and I have never miss a single payment. Though I have been a loyal good paying customer my loyalty has never paid off. My credit limit has been and remained at XXXX. With that being said there continues to be an unauthorize charge on my account from XXXX XXXX XXXX for XXXX. I immediately reach out to discover to dispute this transaction as I didn't authorize this charge. They dispute the transaction pending investigation. At that point I contact XXXX XXXX and ask them who authorize them to charge my card they claim my card was on file which was not true. Why would i have a card on file that has a XXXX limit and you charging XXXXSo I told them remove my card and never charge it again on a recorded line. However I'm confused as to why Discover would even let the charge go through of XXXX when they only have me at a XXXX credit limit then allow that account to be over drawn. I called discover and explained the situation they say well even though I told them to not charge my card they still can charge it. That makes no sense to me that tells me anybody can go into my account and charge as they please and I'm on hook for the bill. So Discover put the amount back on my card so I end up paying it based on me calling XXXX XXXX to not charge it again. I check my Discover on the XXXX to make a payment and there it is again another charge for XXXX from XXXX XXXX now this is really getting out of control Again why did Discover allow the charge to go through now my account is back over the limit so i dispute again they take it off and place it back on. How is this legal a company can just charge your account as they please even though I have a email stating this is a one time use of the card and they continue to charge it and Discover fails to block the charge and allow it to go through.
03/29/2018 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Problem lowering your monthly payments
  • CA
  • 90036
Web
I have a Discover student loan current under repayment. The loan has been constantly increasing the APRs that are now around 9 % and the minimum payment is coming to a total of {$1600.00} per month. The company was providing me with a lower monthly payment ( {$1200.00} ) that was basically only paying the monthly interest but not decreasing the total debt at all which is extremely frustrating but at least I was being able to keep the payments on time. They have stopped the lower payment option and have demanded me to pay the total minimum of {$1600.00} since XX/XX/XXXX when I was told that after paying 6 full payments they would be able to lower the interest rates for 12 months, thus allowing the minimum payment to decrease to relieve some student loan burden. With the payment of this month ( XX/XX/XXXX ), I have now completed the 6 months full payment as they have requested and now after contacting them to get the 12 month lower interest rate, I'm being informed that I have no options available to me anymore and I either continue to pay the full amount or apply for forbearance which will only complicate things since it will only make the minimum payment much higher. All my student loans combined already come to a total amount of {$1800.00} which corresponds to more than 50 % of my monthly salary. I would love to pay the entire amount or even more to get rid off this debt as soon as possible, but right now I just can't. I don't have the financial means to keep up with such a high bill. I still have to pay for other expenses that are necessary for my personal well being such as rent, utilities, food ... Discover has no interest in helping whatsoever even though they have already made tons of money on interests alone. The United States government should start a comprehensive investigation against this company which has been exploiting students all over the country.
06/01/2017 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't temporarily delay making payments
  • NY
  • 10032
Web
I write to complain about the debt collection conduct of XXXX , Discover Bank, and XXXX loan servicing. I owe about {$30000.00} on a private student loan I took out with XXXX to attend XXXX XXXX in XXXX XXXX XXXX . I graduated in XXXX , and was working in the XXXX XXXX XXXX XXXX XXXX position when I injured my XXXX . The injury occ urred two years ago , and as a result I had to stop working. I got XXXX , and, only now have been able to start looking for a job. I have used up my savings as well as the financial good will of my friends and family to maintain payments on these loans. As of XXXX XXXX , I no longer can pay the loans.

I called XXXX well before XXXX XXXX - XXXX and advised them of that i was running out of savings and income and that i would need some sort of accommodation until i could find work. XXXX told me I was only entitled to 12 months of forbearance and that I had already used that up sometime during the 9 or 10 ye ars that I have been in repayment. XXXX began calling me in XXXX , telling me i was late on my payment. Every time they called I explained my hand problem and how it stopped me from working and that I had used up my savings. XXXX then transferred the case to a new servicer, XXXX . XXXX began calling on XXXX XXXX , XXXX , demanding that I make payments. I continued to explain my financial situation, and asked if there were any options to help. The answer was no. XXXX has since called relentlessly, sometimes several times a day, telling me this isnt a debt you can ignore, and threatening to report me to the credit agency.

I have similar problems repaying loans held by Discover bank .. Discover gav e me one-month forbearance for XXXX , but says I must make six more months of payments before I can access the remaining 3 months of forbearance. This is not possi ble.

09/21/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 337XX
Web
XXXX XXXX : I successfully open a Discover high yield savings account XX/XX/XXXX : I attempt to connect my bank ( Discover doesnt take my bank. doesnt tell me this though! ) - instead of giving me an error message it just locked me out PERMANENTLY for too many attempts. XX/XX/XXXX XXXX XXXX : I call Discover. They half remedy the issue by unlocking my account, I thought everything was fine. XXXX I find that I can't open new bank accounts. I can't connect accounts. Apparently Discover sent XXXX some message saying I'm negative. From what I'm reading this mark with remain there for 5 years. No other information is available accept that I have the option to ask for this report and dispute it. Notice how much I need to do because Discover 's platform doesn't inform you of THEIR website error. Websites are telling me " pay down debt '' as one of the steps. As if I did anything wrong or owe anyone money. XXXX I fill out my sensitive info for XXXX, click send, nothing happens. I try on a XXXX, same thing. I'm on a common laptop, like what's the issue? This is actually illegal on the part of XXXX, because they claim they will give me my report but it is inaccessible. I actually try to call, but the connection and accent is so bad I can't understand anyone and I give up. I promise I'm not being XXXX, XXXX XXXX ; I really struggle to understand heavy accents. Inaccessible information that is mine. Hours spent by now. XXXX I call Discover back to give them an opportunity to correct it ; the kind and unfortunate supervisor tells me that by their rules Discover can not do ANYTHING FOR ME! I have to reach out to XXXX. He was upset as well, he didn't even know this could happen to someone. XXXX filing this complaint. Will bring lawyers into the situation if needed. *This date was an error on my first submission for XXXX XXXX it was XX/XX/XXXX that I opened this account.
07/14/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • NJ
  • 083XX
Web
My credit card with Discover suddenly stopped working after 6+ years of my being a customer ( never once did I make a single late payment ) and this morning my credit report informed me that my account had been closed. I received no notice of this, and upon contacting Discover the representative argued with me that they called me ONCE and left a message to call them back ( I have no such message ) absolutely sent me emails ( which they said during the call that the emails would be found in my spam folder as they were not sent by Discover??? ) and because I did not respond to their attempts to contact me they made the decision to close my account without ever informing me. I have always paid my bill on time, I have no idea what information they suddenly needed or why and I do not understand why they would make such little effort to contact me prior to closing my account without any notice or option to appeal. I would happily have obliged to work with them, but the C.S. rep told me that there was absolutely no way I was going to have the account reopened and that I was not guaranteed to be approved if I were to apply for another card - which I know, because in closing that account my credit score dropped nearly 100 points. This feels like a deceptive, unfair practice and is causing me greatly unnecessary harm both financially and to my credit score, all of which could have easily been avoided. At the end of the call, I told the rep that this was a XXXX excuse for customer service and I was hung up on. Most financial unions offer relief during this time, but I am being crucified for not receiving a single voicemail with no real information about what happened, that my account was in danger of closing, or what I needed to do to resolve it. I feel cheated and completely lost. Six years of loyalty and consistently on-time payments and this is the treatment I received.
12/18/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • OH
  • 45251
Web
I became a Discover It Chrome card member XX/XX/XXXX. I paid my balance in full every month with no late payments. I was approved for a Discover Miles credit card XX/XX/XXXX and the card was mailed to me. I was informed on XX/XX/XXXX that I was required to complete a tax transcript request form 4506-T and that both of my accounts would be frozen pending account review. I completed the 4506-T form XX/XX/XXXX via XXXX as requested. I closed my Chrome account because I became irritated that my account was frozen after a year of on-time payments made in full. I was informed on XX/XX/XXXX that my new Discover Miles card was closed due to a business decision after review of my income. I believe that Discover has violated the Equal Credit Opportunity Act because I have been discriminated against based on my marital status. When I completed my application, I was told to include all of my household income, which includes the income of my domestic partner. Discover 's website states, " Credit card issuers will ask you to supply your total gross annual income, which helps them decide if you qualify for a line of credit, and for how much. Current regulations allow you to include your total household income, so long as you have a reasonable expectation of having access to it to repay a loan. This is designed to make it easier for non-working spouses or domestic partners to qualify for credit cards. '' I included my own income of {$47000.00} annually and my domestic partner 's income of {$41000.00} for a total income of {$88000.00}. Discover did not give me an opportunity to prove my domestic partner 's income when evaluating my tax transcripts for income verification which discriminates against me based on my marital status. I contacted Discover customer service and was informed that they would not accept my domestic partner 's tax returns to prove my total household income.
02/17/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • PA
  • 17603
Web
I read about a {$200.00} bonus offered by Discover Bank for opening an account and depositing {$25000.00} by XX/XX/2019 on XXXX XXXX XXXX. It read : " Open your account by XX/XX/19 Get Started To get your {$150.00} and {$200.00} Bonus Offer : What to do : Apply for your first Discover Online Savings Account by XX/XX/19, online or by phone. Enter Offer Code XXXX when applying. Deposit a total of {$15000.00} to earn a {$150.00} Bonus or Deposit a total of {$25000.00} to earn a {$200.00} Bonus by XX/XX/19. Maximum bonus eligibility is {$200.00}. What to know : Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded or affinity accounts provided by Discover. Account must be open when bonus is credited. Bonus will be credited to the account by XX/XX/19. Bonus is considered interest and will be reported on IRS Form XXXX. Offer may be modified/withdrawn. '' I'm attaching a copy of the ad for the bonus. I opened the account over the phone and gave the offer code XXXX. The {$200.00} bonus was to have been credited to my account by XX/XX/XXXX - last Monday. On Thursday I phoned Discover to ask if it had been credited, and " XXXX '' said that it hadn't. I phoned back on Friday and spoke with a woman ( I think her name was XXXX but am not sure ) who said it still had not been credited to my account. She asked if I had given the offer code and I said yes. She said she would have to listen to the recording of my phone call to verify that I had in fact given the right code. It is unethical to promise a bonus and then delay delivering the bonus, and to look for an excuse not to offer the bonus. I certainly would not have deposited exactly XXXX at that time unless there were a bonus. And the phone number for Discover Bank is in my phone as " Discover Code XXXX '' specifically for that reason.
06/05/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • OH
  • 44135
Web
I was set up for autopay with Discover because I was promised a lower rate and payment when I came off of the hardship program. I came off of the hardship program and not only did my rate and payment not lower, they also suspended my account. I called on XX/XX/19 and advised them that I was removing the autopay from the account and I physically took my bank information out of their website so that they couldn't pull the payment. So, I told them verbally on the phone and then removed my bank account info from the account. My payment is not due until XX/XX/19 and apparently they started pulling my payment as soon as I said I was cancelling the autopay. they pulled the payment without my consent or knowledge and over drafted my bank account. I called to have them reverse it and they refused. First they confirmed that I did cancel on XX/XX/19 and transferred me to another department who either wasn't in yet or just didn't answer the phone because my call was disconnected. When I called back, they had changed the notes in the system and said that I called on XX/XX/19 to stop the autopay. I explained that I called on XX/XX/19 and asked that they return my payment to my account along with the XXXX overdraft fee that they caused. They stated that due to the notes made by the person I spoke to on XX/XX/XXXX, they could not return my payment, I asked what notes could that be since I flat out told them DO NOT PULL MY PAYMENT I AM CANCELLING THE AUTOPAY. All he could do was repeat that they would not return the money to my account even though my payment is not due until XX/XX/19. They stole from me in my eyes. They took a payment when they were told in no uncertain terms that they were not authorized to take. And then they changed the " notes '' in their system in order to back themselves up. I want my money back and I honestly would like theft charges filed against them.
03/07/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • TX
  • 775XX
Web
I recently applied for the Discover IT Card. After going through the verification process which included answering a series of questions and uploading a copy of my driver 's license ; I was approved for {$9500.00} in credit. My card has only been active a few days, and I've already been met with a series of roadblocks. The only purchase that I've made with the card was a purchase on yesterday XX/XX/XXXX for a dozen of XXXX. I contacted Discover on yesterday XX/XX/XXXX to inquire about on what day of the month Discover reports to the credit bureaus. I also inquired about setting up my pin number, as it is a new card. I verified my identity with the agent. She was unsure about the reporting date which I found strange, but she still offered to put me through the automated system which would allow me to set my pin. Instead she sent me to the Fraud Department. The representative in the Fraud Department stated that it must be a mistake, verified my identity again, and then forwarded me to the automated system by which allowed me to set my pin. I received an email this morning XX/XX/XXXX stated that Discover frequently monitors my account, and that there was information that was unable to be verified. I found this to be strange as well because I went through a verification process in order to get approved for the card. The email directed me to send to Discover a copy of my driver 's license, and to fill out the SSA-89 Form, so that Discover could contact the Social Security Administration to verify my social security number. I did comply. After faxing the documents over I contacted Discover and was told that I was randomly selected to go through this process. After explaining the order of events ; I informed the representative that this was impossible because of the email I received. I whole heartedly that this entire episode is negligence and discriminatory at best.
09/21/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93536
Web
The company, DISCOVER BANK, is attempting to collect a debt from me that I do not owe. I had no involvement with the transaction according to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, XXXX, XXXX and XXXX are assumed to be credit bureaus and their is only one bureau and that is the consumer financial protection bureau. On XX/XX/ XXXX congress enacted hjr-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts. 15 USC 1681 c2a
06/06/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • IL
  • 60431
Web Older American, Servicemember
Approximately in XX/XX/XXXX, Discover Card demanded that I send two years of my federal income tax returns to XXXX in order to prove who I was. This was for the Discover Card that I had since XXXX with an initial credit limit of {$8000.00} ( my credit limit was reduced in XXXX after I made substantial payments to Discover and other companies, without late payments ). I was trying to improve my credit rating. This is one problem.Going back to Discover demanding my tax returns in order to know who I was, I refused to comply with that request and discussed my concerns several times with Discover representatives who only replied, " This is our policy ''. I responded, " Discover knows who I am. I have had this account since XXXX and the other since XXXX. Additionally, in XXXX of XXXX, I stated, " Since Discover doesn't know who I am and I can not use the card, send me the {$4700.00} payment back that I just made so that I can continue to pay other cards off that allow me to use my card/s. they refunded me {$4600.00} via an electronic transfer after satisfying the current bill. I called discover back and asked, " How do you credit a {$4700.00} payment to me and return {$4600.00} back to me if you do not know who I am? ". After calling Discover 's Consumer Complaint # about one of my accounts being closed for no reason, they closed the opened account without any notification and stated about the first account closed that they would report that to the credit reporting agencies. As of today, I have not receive any notification that the second account would be closed. I found out when i tried to order a birthday card for my cousin. Closing my account may cause my score to drop. I paid my bills on time and i should not have closed accounts because i do not want to send my tax returns to Discover by way of a third party, especially for accounts that I have had for years.
06/04/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • AZ
  • 86442
Web Servicemember
In early XXXX, my daughter called me and told me that my ex-husband had left and was not picking up his phone. I went and picked her up and we tried to find him. At that point, we received a 'suicide ' note from him. In the note, he claimed that he had taken a loan out in my son 's name. We immediately filed both a missing person 's report with XXXX XXXX PD and a police report for identity theft against my ex-husband with XXXX XXXX, AZ PD. My son and I promptly checked our credit reports. My son found a loan for XXXX dollars from XXXX XXXX, and I found several credit cards under my name that were maxed out that I never knew about, and he neglected to mention when we divorced. I cancelled as many of the cards as I could ( because I was only an Authorized User ), but two of the companies ( XXXX and XXXX XXXX ) have refused to even contact the police officer assigned to the case. XXXX XXXX, on the other hand, has cleared the loan from my son 's name, and they stayed in communication with the officer on the case. XXXX was communicative with us up until recently. Last month, they asked us to mail and fax them a copy of the police report from the police station we filed it at. We mailed AND faxed them a copy. We called a few days later to confirm, but nobody could tell us anything. We checked in again, and now they are telling us that they never received it and they require us to go to the police, have the officer call them, and submit the report even though just a month ago they said otherwise. Moreover, XXXX refuses to give us a copy of the transaction history. I have no way to access the transaction history of the card because I don't know any of the login information. I can not dispute the payments made on the card because they won't give me a copy. XXXX has led us back and forth on this fraud claim even when we have tried to be diligent in our response.
08/27/2020 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • MO
  • 64014
Web Servicemember
On XX/XX/XXXX ( XXXX ) we submitted an application with Discover Home Loans to request a Home Equity Loan. Our credit was pulled and we met the first criteria. I spoke to their Personal banker on/around XX/XX/XXXX and discussed how much our home was worth to ensure we qualified for enough equity in our home. After discussing this with the banker, we went forward with the application and submitted all documentation online. On XX/XX/XXXX, an appraiser came to our home and took pictures of the outside of our home while my husband was standing outside. A week passed and I received word our home was valued {$220000.00}. Approximately {$30000.00} less than the same home up the street from ours which was on the market for {$240000.00}. I asked Discover how this was possible and they informed me it was a brick and mortar appraisal. However, this was not noted to me in the beginning of the conversation in speaking with the personal banker on XX/XX/XXXX. Discover updated our status within their system to requesting an internal appraisal ; however, the next day ( XX/XX/XXXX ) I received an email from Discover that our application was denied. I'm beyond confused on how this is possible and the ONLY thing I can understand or comprehend is that it had to do with our race. I am XXXX and handled all communication with Discover. However, my husband who is XXXX XXXX ( and standing outside with the appraiser ) was the one who greeted the appraiser. It seems just a bit odd that our credit score of over 740, good credit history, over {$70000.00} in equity, military income with 2 full-time employment salaries could receive a " no '' on the application and a low ball appraisal. I have reached out to Discover to file a complaint and have not heard back. In addition, I've reached out to our Attorney General and lastly would like to file a complaint with your office as well.
01/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 711XX
Web
To whom it may concern : I received a copy of my XXXX credit report, and I noticed some late payments on my credit report : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DISCOVER BANK XXXX, XXXX XXXX XXXX XXXX company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, Isiah Guiden Enclosed : copy of ID and Utility Bill showing proof of address.
01/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • AZ
  • 85120
Web
On XX/XX/2022, I filed Complaint # XXXX with the CFPB, against Discover. When I finally received a response from the company, XXXX XXXX, from the Executive Office of Customer Advocacy gave only a very general final response to my dispute, and obviously did not actually conduct an investigation on the matter. It was evident that he didn't take the necessary time, or steps to review the documents enclosed in the dispute proving what correspondence took place regarding my issue, and how I was consistently given misleading and conflicting information by his company 's agents, as well as the written terms & conditions he provided! Also, I enclosed the copy of the Cardmember Agreement that I received with my card in the mail, and it clearly states the following ; " ACCEPTANCE OF AGREEMENT : You accept this Agreement if you do not cancel your Account within 30 days after receiving a Card. '' I DID in fact cancel the account well within the 30 days time frame, and that verifies that I did NOT accept the Cardmember Agreement, I also had enclosed evidence proving that I had called and chatted numerous times requesting the pending Balance Transfer be cancelled while it was still in a " pending '' status. XXXX XXXX claims he has no record of these conversations, but I had also enclosed evidence proving otherwise. The company did not complete any type of investigation regarding my dispute, which is evident in how their final response read. They also were legally responsible to provide me with details of how they conducted an investigation, but completely failed to do so. They overlooked and ignored documented evidence that I provided, and how they mishandled my dispute, is totally unacceptable! At the time that I received their final response, that closed my dispute filed with the CFPB, and basically put it in a " settled '' status, when indeed it has not been settled.
09/30/2016 Yes
  • Credit card
  • Customer service / Customer relations
  • CO
  • 800XX
Web
My Discover card, # XXXX, exp XX/XX/XXXX, was issued with a micro chip to replace my prior card. In that process Discover either erased or did not transfer my information from the prior card XX/XX/2016. Then I received my bill for that month of {$14.00} -- the entire balance of the account. I called in by phone and paid the account with the bank information on file with them for at least the last five years and received confirmation for the payment. The next month I received a bill again for {$14.00} but I did not contest it because I thought the payment had just not yet been posted. XX/XX/XXXX when the bill came it was on the bill again, a charge for {$14.00}, and I called to find out whether there was some error, some recurring charge I did not approve, so I talked to a representative by phone and paid the bill again! I clearly stated that this seemed to be the same bill as the month before, no research was done by the rep and payment was applied again. XX/XX/XXXX when I received the bill again for the third time I asked if it could be researched as I had not charged anything on that account since XX/XX/XXXX. The rep came back and said that when the card was replaced my bank account on file had been deleted so it was showing as an unpaid balance! I told her that the rep XX/XX/XXXX or at least XX/XX/XXXX should have told me this and there better not be a ding on my credit. I gave her my updated bank information, the {$14.00} was debited against the account and then I was dinged -- this was put in my credit file with all three credit bureaus bringing my credit score down over XXXX points! There is an audit trail of these events, I wrote Discover and asked them to remove this as it was their error that they removed my banking information and they did nothing. I am tempted to get a lawyer on this because this should be removed from my credit file by Discover.
07/03/2019 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • WY
  • 82070
Web
On XX/XX/19 I used the online service with Discover to repay the remaining balance of my personal student loan ( in the amount of just over {$4000.00} ). While repaying the loan, the website crashed so my wife and I worked with chat support to start the online payment over again. While doing that, the program again crashed yet again - and we decided to call and speak with a representative in person. That person walked us through the repayment and notified us of the exact amount that would be withdrawn from our bank account to repay the outstanding balance of the loan. On XX/XX/19 we saw that Discover had ordered repayment of the loan in triplicate - they withdrew over {$12000.00} dollars from our account in three separate payments. We immediately contacted our bank and Discover. The bank confirmed that Discover had withdrawn the funds three times. I spoke directly with Discover representatives, who were able to determine that they had in fact made a mistake and requested the funds be withdrawn from our account three times. However, they informed me that they had a 3 day waiting period before I could even request a review of the payments. Additionally, a supervisor informed me that it would be up to 10 business days before a refund could be issued. Due to their mistake, my bank account was over drafted and payment to another bill " bounced '' due to a lack of funds in my account. Additionally, this has occurred over a holiday ( the XXXX of XXXX ) and thus, the waiting period is being extended by additional days. On XX/XX/19 I again contacted Discover to express my frustration. They again informed me that they could see the mistake, however could not issue a refund of the nearly {$9000.00} that they mistakenly took from our account until a minimum of 5 business days. I have spoken with supervisors and contacted my lending agency, without any recourse.
05/23/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • OR
  • 97070
Web
I use auto-pay to make monthly payments to my student loan in the amount of {$860.00} on the XXXX day of each month. The only way to update the funding source ( bank account ) for the automatic payments is to call and have it updated. My wife called at XXXX PST on XX/XX/XXXX to update the bank account information and received confirmation from the agent that the update was made and the next automatic payment would be taken from the updated bank account. It came time for the automatic payment to be withdrawn on XX/XX/XXXX and it came out of the old account that was no longer in use resulting in a {$37.00} overdraft fee. My wife called the loan servicer just before XXXX PST on XX/XX/XXXX to find out why the payment wasn't taken out of the new account which had been updated 3 weeks ago. She spent nearly an hour on the phone and got nothing but scripted replies and " I don't know '' regarding why the payment wasn't taken out of the new account. She asked that they credit back the {$37.00} overdraft fee which they caused and was told it wasn't a possibility and wouldn't be done. She asked several times to be transferred and was put on hold over and over again before finally being transferred. The woman she was transferred to offered to credit the fee back but she first had to listen to the call recording from XX/XX/XXXX and then she would call back within 20 minutes. Surprise, surprise, no call back within 20 minutes. She was told that it was possible the bank account information wasn't updated because it was later determined it may not have been an authorized change since she was not an authorized third party on the account. This was NEVER communicated in any way nor was it ever mentioned on the call on XX/XX/XXXX. If this were the case, the agent should have never took any information or provided confirmation that the account information had been updated.
06/24/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • HI
  • 96817
Web
I established a credit card account with Discover in XX/2016. I suspect a former friend of mine to be the person responsible for making unauthorized fraudulent payments and then making unauthorized charges with 1 of 2 cards I held for this account. I filed a complaint with Discover regarding the fraud that occured on my account, Discovers investigators asked my to sign a form concerning the fraud and if I was willing to press charges against the suspected person, I told Discover that I did not want to press charges against the suspected person because this person had a XXXX year old daughter, and I did n't want the daughter to be put in foster care if charges were brought against the mom. Discover then told me that if I did n't accept responsibility for the unauthorized payments and charges that the account would continue to report on my credit report with all the fraud charges included. Discover then asked me to agree to a verbal agreement to assume all liability for the fraud since I was not willing to press charges against the suspected person responsilble. Discover investigators misinterpreted what I agreed to in that legal disclousure, I only agreed to be responsible for the balance on the card prior to all the fraudulent payments and charges made to the account. I have tried numerous times to dispute this discover account with the credit bureaus, also including a FTC Identity Theft Affidavit that included a police report and was notarized. The credit bureaus " blocked '' the account initially, but Discover continues to have them " unblock '' the account, so until this day the account continues to wreck my credit score, and has ultimately caused me to be declined for employment oppurtunitys because of a low credit score. I have also not been able to establish contract post paid cellular accounts with XXXX XXXX XXXX and XXXX due to a poor credit score.
05/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33150
Web
Discover bank, let me articulate your errors and walk you through this process.. okay, you see here.. this is Discover Bank violation of Federal Law. You are reporting 120 days Late in the Month of XXXX, XXXX, XXXX of 2020 there is only 30, and 31 days of the months mentioned above which is evident and verified that Discover Bank is in violation of The Truth In Lending Act pursuant to 15 U.S. Code 1666b - Timing of payments. Discover Bank It is absolutely impossible to be Late 120 Days in a month that only has XXXX or 31 days ( Laugh Out Loud ). 15 U.S. Code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer NOT later than 21 days before the payment due date. Discover Bank I demand you to clarify that you have complied with Federal law 15 U.S. Code 1666b ( a ) and provide me with Documentary Evidence that you are not in violation? Statements are not sufficient enough. I am demanding Discover Bank to correct all errors. You are bullying, extorting me, ruining my financial reputation the way you are furnishing my information. Pursuant to 15 U.S. Code 1681s ( B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. You have no lawful authority to furnish my information, you are doing this to export me and has a federally protected consumer I have rights and you will be held accountable for your deceptive business practices!
11/29/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • PA
  • XXXXX
Web Servicemember
I recently received forms from XXXXXXXX and XXXXXXXX representing Discover Card. They had a judgment against a few years ago, and now they have a second one against me. I had to fill out an itemized form of all of my assets, bank account and income. I was never told they were going to do this, because last time I had a case with the cfpb under XXXX there were several cases opened. To stop the judgment and debt. I notified them in XXXX that all I get for income is XXXX, XXXX a month, and medical from the government. I give XXXX every month to XXXX XXXX to pay the cell phone bill XXXX, and the tv bill XXXX the rest is used for whatever bills he needs to pay. We are not married, I changed my name in XXXX to have the same name as my son, and XXXX was fine with that, I have the judge signed copy. Everything like the house and cars furniture washer dryer, kitchen appliances, anything like that he owns and has paid for. I own nothing except under 300 dollars worth of things. I have XXXX in rings, XXXX in facial wash and cleansers, XXXX in shower and bath products, a necklace chain XXXX on XXXX and a couple of pendants XXXX and hair and nail products. that is it. I have XXXX for the month from my XXXX, and that's it. I cant purchace much at all. Thatls all l live on for a month. He will help if he needs to. I don't understand this because I was told by Discover that the debt was charged off, the judgment was taken off and XXXXXXXX and XXXX no longer had the case. So I don't understand how a lifetime judgment is being put against me, I will never be able to get married, or, bye anything or have anything that is mine. I feel XXXX from this and my XXXX are getting worse which is what my XXXX XXXX is. Since XXXX, I have been trying to find a doctor to help me, but none can so far. So I am on XXXX for the rest of my life, and can not afford to pay you anything.
10/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 90006
Web Older American
My father always submits a money order of $ XXXX to Discover credit card company via mail. With a GOOD credit score and no late payments, my father has not had any issues except on XX/XX/2022 at XXXX, Discover sent a message acknowledging of payment received. XX/XX/2022, my father 's card did not work, so he called and found out that Discover received the payment BUT, since the last 4 digits of the money order did not match with XXXX, ( which is a bank that XXXX check cashing services is contracted under ), deemed it unauthorized, Discover shredded and dismantled the check without giving any knowledge in writing to my father whatsoever. My father called numerous times, spoke with 4 customer service agents, 2 billing agents, 2 supervisors, 1 personnel had an answer to why the LAST 4 DIGITS of the money order was considered to be UNAUTHORIZED by XXXX, which resulted in shredding/dismantling the money order. This contradicts because on my father 's Discover account, the records show Discover receiving payment on XXXX XX/XX/2022 XXXX. Since the money order account with PLS check cashing place is in an " open '' status, Discover was supposed to send an email and mail explaining why they have shredded and dismantled the money order check. This is negligence on Discover 's end because they received payment, posted payment, but since last 4 digits of the money order was considered unautnorized they dismantled the money order? 2 supervisors also noted that my father has never been late on payments. None of the supervisors can figure out why the money order was shredded nor was there any proof in writing submitted to my father, so he may be able to take the proof, close the current money order " open '' status and create another money order to be sent out to Discover. At this time, nobody has a direct answer or resolution to fix this ongoing issue.
02/28/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MI
  • XXXXX
Web Older American
In XX/XX/, the interest rate on my Discover credit card ending in XXXX, with the upcoming payment of {$230.00}, was due XX/XX/, which was paid. I called for a payoff balance of {$1000.00}, delivered via Cashier checks ( XXXX for {$10000.00} and check number XXXX for {$81.00}. These two checks were drawn fon XXXX XXXX XXXX XXXX ( my bank ) dated XX/XX/XXXX and mailed priority mail that day to ensure their arrival before XX/XX/ per the representative I spoke with. Both checks arrive that Thursday. Discover processed the {$10000.00} and could not find the {$81.00} review until I called, asking why I still have a balance. They could not find the check until I filed a dispute for the missing check. Discover gave me a credit of half of what they claimed was still outstanding. XX/XX/XXXX XXXX I received an email stating that they found the missing check ; however, there is still a due balance on my account of {$130.00} when there should be a zero balance. Discover still charges me interest on a missing check they conveniently failed to post until XX/XX/, per my bank ( XXXX XXXX XXXX XXXX ). I spoke with a representative yesterday, and they were insulting, telling me that I still owe the outstanding balance because of the accrued interest, which I am disputing. What do I want? I want my Discover card balance to read zero because I have already paid what was owed and met their processing date of having the money in their possession. Next, I want Discover to reimburse me for the {$87.00} that I paid for the trouble they have caused me because if they can process one check, then why not both checks to pay off the outstanding balance? To me, this is an unethical way of doing business. It is borderline fraud. Lastly, I do not want a late payment appearing on my credit profile. I have an excellent payment history with Discover and my other creditors. Thank you.
06/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 782XX
Web
XXXX 2023 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Dear Discover Dispute Team : I recently received a copy of my ( XXXX, XXXX XXXX XXXX XXXX consumer report, and I noticed some late payments posted on my consumer report : Account # : XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( DISCOVER ) Making the report is not INCLUDED on my Consumer report! A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s DISCOVER BANK XXXX XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX, XXXX Enclosed : copy of ID and Utility Bill showing proof of address
04/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10468
Web
Two months ago I checked my credit report as I was preparing to shop for a house and realized there were multiple inaccuracies as well as FRAUD associated with my report. Currently, there are FRAUD accounts on my report and one has been placed in collections. The accounts are as followed : Discover Bank, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX I never authorized for these accounts to be open nor have I ever opened these accounts myself. All of the accounts stated have been open against my will and need to be deleted immediately as I am a victim of Identity Fraud. I've reached out countless times to XXXX and the banks in question to get this situation resolved and no one seems to be budging. They refuse to delete the accounts in question, they refuse to do there own investigation, and insist I am responsible for the debt when in reality I AM A VICTIM OF IDENITY FRAUD. I've filed an identity theft report and sent it to all banks in question as well as XXXX. They've all been aware of the identity fraud in question. The dates and totals of the identity theft are as follows : Discover Bank : Was opened on XX/XX/XXXX with a {$2300.00} credit limit and is currently being shown as a Charge-off. XXXX XXXX XXXX : Was opened on XX/XX/XXXX with a {$1100.00} credit limit is a currently closed and 150 days past due. XXXX XXXX XXXXXXXX XXXX XXXX Was opened on XX/XX/XXXX with a {$500.00} limit and is currently being shown as a Charge-off with a past due balance of {$720.00}. XXXX XXXX : Was currently opened XX/XX/XXXX and is currently being shown as a charge off. The credit limit is not shown on my report. As you can see there is clearly a pattern as 3 out of the 4 fraudulent accounts were all opened around the same time in XXXX. ALL OF THESE ACCOUNTS WERE OPENED AGAINST MY WILL AND I AM A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT!
10/25/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 10456
Web
My dealings with Discover Bank Online service started in XX/XX/XXXX through XXXX, realized my checking account in the amount of {$560.00} at Discover Bank has many unauthorized transactions of withdrawals and purchases dated from mentioned dates previously. A written statement disputes and police report has been filed on XXXX in order for Discover Bank to continue their investigation, a provisional credit has been honored in the amount of {$560.00} for the month of XXXX. Thereafter, Discover Bank has issued me a new debit card but with the same checking account number that is affiliated with my account which is the main checking account number in order for any type of transaction ( s ) to be issued against that account number. The reasons for these disputes of unauthorized transactions and purchases, person ( s ) has or still invaded my private premises without invite, therefore the person ( s ) has altered or counterfeited my personal information. This activity is still on going for the month of XXXX as there was an unauthorized transaction of withdrawal from my account in the amount of {$340.00}, and yet Discover Bank does not want to honor me provisional credit as stating the transaction was valid on their end! As there is a conflict between I the consumer and Discover Bank Online as I have submitted supporting documents including police report for the same activity for unauthorized withdrawals. Please assist me on retrieving a provisional credit from Discover Bank as it is affection all angles of my financial living. Supported documentation has been submitted to Discover Bank and still no call backs or updates on honoring a provisional credit in the amount of {$340.00}. I also filed a complaint with XXXX reading unfair circumstances with financial institutions. Need further supported documents or information please feel free to contact me.
07/21/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • XXXXX
Web Servicemember
XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 73 % Balance {$4800.00} Balance Updated XX/XX/XXXX Credit Limit {$6600.00} Monthly Payment - Past Due Amount {$4800.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber
04/11/2016 Yes
  • Credit card
  • Closing/Cancelling account
  • TX
  • 75013
Web
After 5 long arduous years, I finally managed to pay off my Discover card. Or so I thought. I contacted Discover to ask for the exact final amount, which I paid right then and there. I then asked to closed my account. I was transferred to " Account Retention '' where I spoke with another agent about closing my account. After listening to a litany of reasons why I should stay with Discover and keep my account open, I declined everything and asked ( once again ) to close my account. I was then told that I could n't do that ; that the account could n't be closed, only " inactivated. '' After several minutes of argument about that, and being told it was pretty much the only thing I could do, I had to accept this status. Little did I know that Discover 's version of " inactivated '' was very different from mine. Fast forward a couple of months, and now I am receiving notices from Discover that I have pending charges for late fees and interest. You can imagine my surprise. While the charges are still small-ish, the principal of it all has angered me enough to contemplate legal action, which I do n't want to do. I contacted Discover again, and expressed that I was not going to pay the charges due to their inherent lack of customer service, and their not following my initial request to close my account. I asked that they remove the charges, and stop contacting me going forward, otherwise I would take it as harassment. I would like to know what type of recourse I have in this situation. I do n't want this affecting my credit score, and while the amount is small, I do n't want it suddenly exploding into something more significant due to them compounding costs. They really are crooks in my opinion, leaving me ( the customer! ) with little choice but to continue to pay them for something I did n't want in the first place! What can I do in this situation?
10/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CT
  • 06053
Web
I sent the documents XXXX required as listed One copy of a government issued identification card, such as a drivers license, state ID card, etc. One copy of a utility bill, bank or insurance statement, etc. Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years ( an official report filed with an appropriate federal, state, or local law enforcement agency, including the Federal Trade Commission or the U.S. Postal Inspection Service or others, the filing of which subjects the person who filed the report to criminal penalties if the information filed is false All was sent, as requested and they continue to say they did not receive the documents which are attached again to this complaint. An XXXX rep started screaming at me on the phone for no reason. Every time I call to ask for a supervisor they get upset, claim one will call or they put me on hold and hang the phone up on me. XXXX is not a reputable credit company. No company should give so many problems, it's unusual. Its against the law for them to publish accounts in dispute, this account has been in dispute for months, and they keep harming my credit score reporting it. I think it's because I'm a XXXX American, they feel as though they can harm me and get away with it. I have all the reports to prove what I'm saying and will be filing suit against XXXX over this issue. My credit score was XXXX now its XXXX because of a false account that XXXX has received all documents requested to remove as well as my formal request to remove it. They are not a credible company anymore.. They just continue to lie while harming my financial record and wasting my time. No supervisor has called, nothing they say is accurate, and its been 12 weeks, in which time I requested a call no one has called.
09/24/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • SC
  • 293XX
Web
I had purchased two kicker speakers XXXX from XXXX XXXX when I got home connect the speakers I was having problems with them kept put my amp off on protection mode so when I purchased the speakers in the store and all over the store since you have 15 days to return them and thats exactly what I did I return them the only problem was I was denied returning them because the speakers had dust on them from inside the woofer box from the sawmill I guess and one of the boxes were damaged so the assistant managerRefused for me to return them I said I just wan na exchange refuse exchange them and then told me if I didnt leave you call security so I dispute this charge with Discover card Discover card found in my favor but then they just reversed it because XXXX XXXX told them so Discover is trying to tell me because I dont have written proof is the reason why it went back to XXXX XXXX watt if I go into a store and I try and return a purchase and they refuse it when you get written proof that you were there they could check their cameras if they want to see that I was there XXXX written proof or do you think summer is going to give me written proof so now the sun me to get a return and get your money back you need written proof that you were there XXXX XXXX states in her letter you dont get to have both you cant keep the speakers and get the refund I tried giving him the speakers back they refused them they denied me I was well within a 15 day. Now they want me to talk to you kicker about the warranty they couldve did that the store when I returned them I was just looking for an exchange them know we try to help me and told me to leave I already bought other speakers hes a no good to me broke when I bought them at the time I want to use them at the time not dispute them for two months and not get to use them so I bought new ones these are no good to me
10/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • XXXXX
Web
Discover Card has been contacted via the three credit reporting agencies for the last two years and also via the FTC/CFPB with no resolution to the incorrect reporting with the latest correspondence in XXXX XXXX this year. Discover Card double down on the damage it has done to my credit score, ability to get credit both personal and business not to mention the intense anxiety and angst this situation has caused me with continuing to violate FCRA laws. I am writing to Update the latest erroneously, deceptive, misleading current reporting that Discover Card is submitting to the three credit bureaus XXXX, XXXX, and XXXX. Discover Card issued a 1099C Cancelation/Forgiveness of debt to the IRS as well to me. Discover Card is still reporting to the credit bureaus that this debt is open, overdue, past due, etc after it has already triggered an IRS event which forced me to report this forgiven amount of {$14000.00} as income. However, Discover Card is still incorrectly reporting this amount as current open debt that is past due as of XX/XX/XXXX and that's impossible since this amount was reported as a forgiven debt income to me on my XXXX Tax Return. This is a GROSS Negligence to continue to report this information as if it's active collections, currently past due completely ignoring the action that Discover Card took on the account. This has cause grave harm to me and my family to continue to deceive readers of the credit file and to totally disregard Federal Credit reporting laws. DiscoverCard 's own documentation states that collection has been discontinued and the economic detriment it has caused by the IRS reporting as it actual income was passed to me when it was not. So this situation causes additional harm via additional tax owed, inquiries on top of the negative reporting of this account as if it is a current open debt owed to Discover Card.
08/17/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 32258
Web
I was sent an E-Mail by Discover Card Services letting me know that my account was being closed due to inactivity on the account. No questions asked, per their E-Mail, " the decision to close your account is final. '' My account balance is and has been {$0.00} for quite some time and I have never been late on this card, or late on any other debt on my credit report for over a decade. My FICO " was '' XXXX prior to this account closure. The E-Mail says XXXX which I believe is considered GOOD credit. For the past year, my family and I have been in the process of building a home. The first thing my lender said upon pre-approval was to immediately stop using credit cards or ensure that my existing balances do not increase to keep my FICO scores elevated. I am in pure shock that I am being punished by Discover for inactivity. Prior to paying off the account and entering into a purchase contract for our new home, I used the card to take advantage of their offers like any other consumer would. What frustrates me is that this will now lower my available credit thus damaging my FICO score. In other words, I am getting punished for being responsible and doing the right thing to ensure we can procure financing for our new home. This decision, will most probably result in a higher interest rate on my mortgage and I have done nothing irresponsible with my finances to deserve this, quite the opposite. I will note, that their findings state other factors that are absolutely not true. - % of balances to credit limits is too high on revolving accounts ( As of this writing, I am at 26 % of my limit on revolving accounts and my current FICO score substantiates this ) - Length of time revolving accounts have been established ( Yes, I have opened new accounts within the past two years but again, low balance to credit limit, no lates, good FICO score ).
01/04/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • PA
  • 17044
Web
My daughter is not able to pay on loans that Discover claims that we ( my husband and I ) cosigned with XXXX and were then purchased by Discover. I have contacted XXXX, and they can not help me other than to state that it was once very easy for the student to respond to an email and you were then the cosigner, but steps have been taken in the past five or more years to ensure that the cosigner does know and is willingly cosigning. There is no evidence of our signatures on any documentation, only the printed words " electronically signed ''. My daughter defaulted on XXXX loans for which my husband is listed as the cosigner, which is ruining his credit, and we were never notified. We found out after it was already in default because of a credit check. Discover claims that they did not have to notify him because telling the cosigner is " only a courtesy '' and they are not required to do so. My daughter admits that she just responded to an email that listed us as the cosigner but did n't realize that she was doing anything wrong because she was following XXXX 's instruction. She does not make enough money to pay back her loans and still survive ( XXXX a month payments on XXXX loans ) and Discover does not consolidate. She tried to consolidate them through a bank but because of the default no one will help her and every time a bank runs an inquiry her score drops even further. No one will help us. I 'm being forced to make the payments on the XXXX loans where I am listed as cosigner just to keep decent credit. Discover has a policy that if six payments are made on time that the cosigner can be released, but only if the student has good credit, and that is likely not going to happen quickly. No one at Discover will even talk to my husband about the XXXX loans that defaulted. They can ruin his credit but not talk to him. It 's ridiculous.
03/23/2015 Yes
  • Credit card
  • Billing disputes
  • OK
  • 74137
Web Servicemember
I was reported late by Discover Card to the reporting agencies for XXXX and XXXX as XXXX days late for each month, but I was not allowed to change my billing date to accommodate my monthly federal payment date of the XXXX of the month ( which can post as late as XXXX of the month ). I got behind in XXXX and did not make a full payment trying to finish the larger high school tuition payments for my daughter and pay for her college acceptance monies that all took place in XXXX and XXXX XXXX payment was made every month typically the XXXX of the month and based on the online discover website. I paid a huge XXXX monthly payment over XXXX payments {$150.00} ( XXXX ) and {$330.00} ( XXXX ). Now, the discover representative told me today that I have no payment due in XXXX! The balance minimums due in the online system were for XXXX and XXXX? And, they reported me late for XXXX after paying what was asked of {$480.00}. They refused to change my billing payment date until today to the XXXX of each month so the cycle billing date would align me the way I asked for it to do in XXXX. My credit has been adversely affected for the first time in XXXX plus years as I have not been late in the past. AND, I did make payments each month, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The representative did not care that I have been a good customer and always made my payments. And, that somehow I got caught in a billing cycle mess that I just now was able to get out of. BUT, to report me and then say you do not owe a payment for XXXX after all of these payments and report me late XXXX days for XXXX and XX/XX/XXXX. I told the representative that I would still make my payment on XX/XX/XXXX regardless that her system shows no balance due because I make monthly payments. Please help me to get this credit issue fixed if you can.
12/28/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • NJ
  • 074XX
Web
In XXXX of XXXX I fell and XXXX XXXX. I was a XXXX contract employee and could not get XXXX. I had a hard time working and even needed XXXX. I unfortunately fell on hard fiscal times and missed several payments on multiple credit cards. I spoke with Discover in XX/XX/XXXX. I had missed several payments and was over my {$5000.00} limit. I was given 2 options as to what I could do about my missed payments. Option 1 was close my account and enter in to a low interest payment program for the term of the repayment. The 2nd option was I go in to a repayment program and after 12 months, I was told I would get my card back. I even asked if I make all my payments for 12 months would I get my card back and was told I would. In XX/XX/XXXX after making every single payment on time I wasn't given my card back. I called Discover and was told that they would have to do a review to get my card back. I wasnt told this in XXXX of XXXX. I was also taken out of the repayment program and my interest fees were doubled as was my minimum monthly payment. ( From {$75.00} to {$150.00} ). Even with this hardship of double the amount of my payments I still made my payments every month. This added {$75.00} additional payment lead to many hardships for me. There were months were I couldnt even buy food. I still held up my end of the deal and made every payment. In XXXX of XXXX I began to try to repay all of my debt. By XXXX of XXXX I paid down most of my debt, including Discover. On XX/XX/XXXX I received an email that my discover card was being closed. Even though I did all they had asked of me. If I wasn't lied to in XXXX I would have taken the option to close my card then and taken the other program with lower interest for the entire program. Discover 's dishonest tactics ended up causing significant hardships as well as over {$1000.00} in additional fees.
05/15/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77407
Web
In response to complaint XXXX Discover Card failed to respond to written request for documentation and proof to support the data being reported to the XXXX credit bureaus. This account has been disputed initially with the XXXX credit reporting agencies and came back verified each time without any of the requested documentation to substantiate the data being reported to XXXX, XXXX and XXXX. CFPB closed the complaint on XX/XX/XXXX without resolution allowing my consumer rights to continue to be violated. The initial attached letter requested under the Fair Credit Billing Act copies of the following : Original Contract with signature, Copies of all billing statements from inception reported as XX/XX/XXXX, and Full Accounting of account since reported inception until reported as charged off and afterwards. Discover after 60+days has not provided any of the supporting documentation listed above or any proof that it provided to the CRAs during their investigation. If Discover Bank is unwilling, unable, does not have accurate records pertaining to the debt, then they must remove the negative information being reported monthly to the XXXX credit reporting agencies. In response to complaint XXXX Discover wrote a letter with no supporting documentation and attached a corrupted file that could not be opened. None of these documents addresses the initial FCRA 623 investigation. How can I or anyone else including the XXXX CRAs validate or verify the accuracy of the balance, status, dates opened, closed, payment status, etc if Discover can not provide proof of the information it 's reporting to the CRAs? Also Discover Bank failed to provide written notice to me that it that furnished negative information to the CRAs. The notice must be provided to the consumer no later than 30 days after furnishing the negative information. Another violation of FCRA.
03/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • XXXXX
Web
On XX/XX/2020 I received a Company 's Response in regard an existing problem with a 30 day late reporting to all Credit Bureau ( XXXX ). Company response states I made severals payment to my account and they were returned due to an stop payment from my Bank end. After realizing my account balance was too high since all payment were returned and there was an Stop Payment I decided to work with a Consolidator. Company states my account was under " Working with Consolidator '' status but also stated they don't work with consolidators. So, why was my account under " Working with consolidator '' status? It only make sense to keep account as current till a payment is made NOT putting it under certain status and stop me from making payments to it. Company states it was my responsibility to make a payment before XXXX the XXXX, even tho my account was taken under " Working with Consolidator Status '' on XX/XX/XXXX. How am I gon na be able to know my account was accepting payments on XXXX the XXXX? Company also FAILED to mention I tried to make a payment over the phone on XX/XX/XXXX when I called costumer service and was advised of such rejection to work with consolidator. I asked the representative to take the minimum due payment of {$120.00} and she told me she couldn't take it until the account were taken under such status. My intentions were pretty clear, Please accept my payment or wait until I'm able to notarized the letter so you can accept payments. Discover Bank FAILED again to do so by not getting back to me that same day the account was back to normal and as result a 30 days past due was added to my credit report. I kindly ask the company to correct the error or I'll be looking legal advice as I'm working with Attorney General XXXX XXXX from the State of California Department and Justice. Previous Company Response Attached.
10/05/2017 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
  • CA
  • 90036
Web
I have a Discover student loan current under repayment. The loan has increased the APRs that are now around 8.75% and the minimum payment is coming to a total of $XXXX per month. The company was providing me with a lower monthly payment ($XXXX) that was basically only paying the monthly interest but not decreasing the total debt at all which is extremely frustrating but at least I was being able to keep the payments on time. Now, they have stopped the lower payment and are demanding me to pay the total minimum of $XXXX. Just to better explain my entire situation, I have another student loan that is paid directly to XXXX University on a minimum payment of $XXXX. So, with both student loans combined, I am required to pay a total of $XXXX in student loans repayment every month. I just graduated from college 1.5 years ago and I'm an XXXX XXXX starting my professional career in XXXX XXXX. This total amount of $XXXX already corresponds to more than 50% of my monthly salary. I would love to pay the entire amount or even more to get rid off this debt as soon as possible, but right now I just can't. I don't have the financial means to keep up with such a high bill. I still have to pay for other expenses that are necessary for my personal well being such as rent, utilities, food... I have tried to talk to Discover to lower the payment and reduce the APR so I could continue to struggle but at least keep the payment on time but they have refused to provide any help.With an APR 8.75% for the past 5 years, they have already accumulated such a big amount of interest on this loan and they are still extremely greedy about reducing the APR or providing help. I haven't even started to repay the original amount yet. Every payment has been towards interests only. I really don't want to fall behind my payments but I really can't pay their minimum of $XXXX.
08/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NC
  • 28806
Web
There is a false charge on my Discover account that Discover has failed to investigate for over a year. I have reached out weekly for the last year to Discover and have not gotten a SINGLE response back - phone call or email. They have not provided me with a single line of text or anything in regards to this false charge. IT IS THE 3RD FALSE CHARGE WITHIN A YEAR. The other 2 I paid because it was so hard to reach Discover. The third one is a much larger amount and enough is enough. While customer service can't call me back, they have " debt collector '' numbers that call at all hours of the day and night. The last one I answered and explained the situation and they said they would transfer me to another department. I waited on hold for half an hour. No one answered. They said their systems were down and someone would get back to me the same business day. Of course no one did. The current call CAME IN AT XXXX XXXX XXXX XXXX XXXX XXXX. I again explained the situation and they said they would transfer me to the right department. I have since been on hold for over an HOUR. Discover makes it impossible to reach anyone to resolve a dispute or fake charge. I have NEVER CARRIED A CREDIT CARD BALANCE IN MY ENTIRE LIFE OR EVER BEEN LATE WITH ANY PAYMENT, EVER. My credit score is XXXX, near perfect, and Discover is trying to tarnish that. This is the ONLY WAY THEY CAN MAKE MONEY OFF PEOPLE LIKE ME WHO ARE RESPONSIBLE AND DON'T HAVE CREDIT CARD BALANCES. I urge bureaus like this one to investigate these criminal practices of stealing hard working people 's money as they are doing. I ALREADY PAID TWO FAKE CHARGES ON THIS ACCOUNT, I AM NOT PAYING A THIRD NO MATTER HOW EARLY IN THE MORNING YOU CALL ME AND REFUSE TO TRANSFER ME TO THE CORRECT DEPARTMENT AND CLAIM YOUR SYSTEMS ARE DOWN SO SOMEONE WILL HAVE TO CALL ME BACK AND NO ONE EVER DOES
04/05/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • OH
  • 452XX
Web
My balance at the beginning of my statement date of XX/XX/XXXX was {$6300.00}. I made ~ {$700.00} in additional purchases and paid {$6900.00} of my {$7000.00} balance. I had a balance at the end of the statement period ( XX/XX/XXXX ) of {$660.00} and was charged {$62.00} in interest. I called Discover to discuss and was told that my interest charges are calculated at the end of the billing cycle and that they are based upon purchases made during the open billing cycle. I was charged interest on purchases that I had already paid off in the same billing cycle. I should have only been charged interest on my closing statement balance of {$660.00}. The woman I spoke to said that i was charged interest based upon an account balance of ~ {$3400.00} which makes even less sense because my balance was either double that or 80 % less than that amount. They are charging me interest on purchases that were paid off in the same billing cycle which is predatory. When I look into previous statements, I am only charged interest on the balance of the credit account when the statement closes. For example, in XX/XX/XXXX-XX/XX/XXXX statement, I had a balance of {$6300.00} on XX/XX/XXXX and was charged {$120.00} in interest. This equates to my annual rate of ~21 % APR. If I do the same assessment of my XX/XX/XXXX - XX/XX/XXXX bill, I was charged {$62.00} on a closing balance of {$660.00} which equates to a ~113 % APR. This is unacceptable. The account representative told me simply that I was incorrect and that interest acrues on balances daily even if those balances are paid off. This is not clearly described anywhere on their website nor does it appear to match with what has happened on my account at any point in the past. I have always been told by Discover that I am only charged interest on the closing account balance at the end of the statement period.
06/13/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MA
  • 02130
Web
I am writing to formally file a complaint against Discover Bank regarding their handling of a dispute with a merchant. Despite providing ample evidence and adhering to all necessary procedures, I have been extremely disappointed with Discover Bank 's decision to side with the merchant, resulting in a loss of {$2800.00} for items that were rightfully returned. I believe this decision was unfair and unjust, and I am seeking assistance from your esteemed organization to rectify this matter. The details of the case are as follows : On XX/XX/2023, I placed an order with a merchant for several items. Due to various legitimate reasons within their return policies, such as missing pieces, late delivery, and no longer needing the items, I promptly returned them. I possess and have submitted all necessary documentation, including drop-off receipts and screenshots of valid Return Merchandise Authorization ( RMA ) numbers. Despite providing irrefutable evidence and fulfilling all obligations required of me, the merchant has failed to refund the total amount of {$2800.00} for the returned items. It is important to note that I have been a loyal customer of Discover Bank for over five years and have always maintained an account in good standing. This dispute marks the first time I have ever felt compelled to escalate a matter to this extent with ANY Credit Card i own, due to Discover Bank 's refusal to uphold its responsibility in protecting my interests as a cardholder. I would like to request the following actions from Discover Bank : I urge Discover Bank to thoroughly re-evaluate the evidence I have provided. It is crucial that they accurately assess the information and acknowledge the clear and compelling documentation I have submitted in support of my dispute. And ultimately, Reverse the charge of {$2800.00} to my account, immediately.
10/06/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 908XX
Web
Hi, I received a debt collection letter, and I have a concern I would like to bring to your office. XXXXXXXX XXXX XXXXXXXX, XXXX. ( XXXX, MA ) sent me the letter. While they are a legitimate law firm with actual lawyers on staff, their letter appears to make a consumer think it's communication from lawyers at their firm, when in actuality it's not. On the immediate top, left-hand side, the first thing I read was their address : XXXX XXXX XXXX XXXX XXXX. ATTORNEYS AT LAW XXXX XXXX XXXX, XXXX, MA XXXX Therefore, I thought this letter was from an attorney that was trying to sue me. In fact their website boasts that they are attorneys that go after debt collections. However, I noticed the address on the bottom of the page omits " XXXX XXXX XXXX ''. Furthermore, on their website, they also omit " XXXX XXXX XXXX '' in their mailing address on the Contact page. ( Only on top of the collection letter, where it's 1 of the first things to catch many consumers eyes, does XXXX include " XXXXXXXX XXXX XXXX '' in a mailing address. ) When I flipped the letter over, it says " Important Information : As of this time, no attorney with this firm has personally reviewed the particular circumstances of your account. This letter is not a threat to suit and should not be construed to be a threat to suit ''. Can you explain to me why this " important information '' would be on the BACK of the letter? Why would they hide the " important information '' on the back page of the letter, yet they found they should put put non-essential info ( " XXXXXXXX XXXX XXXX '' in the address ) on the front page? I fear that many consumers have fallen into thinking this debt collection is from an actual lawyer that is trying to sue. When in actuality, it's not. Can your office please look into this? I see it as a stumbling block for many consumers. Thanks,
08/26/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CT
  • 067XX
Web
Hi. I am submitting a complaint for a previous issue that was not fully resolved. Please do not close my complaint. I had two fraudulent charges made for {$1000.00} each on my discover card. Cfpb and discover resolved one of the {$1000.00} charges, but the other {$1000.00} charge is currently being reviewed by discover, which is why the cfpb complaint did not help. Currently, a {$1000.00} charge is REAPPEARING on my statement, which is why this issue is now a valid case for the cfpb to solve. This charge was fraudulently made and I would not like to be held reliable for this. This charge is currently damaging my credit and I would like discover to dispute this charge immediately, Discover also closed my credit card account, but thinks it is okay to make charges reappear on my account. This is absolutely ridiculous. I was first told to submit a police report. I happily obliged and submitted the report. The report did absolutely nothing and I was then asked to contact USPS in order to start an investigation due to suspecting that someone had been stealing my mail. I currently do not have time to go out of my way and contact USPS for a job that the police is currently aware of. This charge needs to be disputed and taken off my credit report immediately. This is extremely unfair and I would also like my minimum payment refund. I was told that I would receive a refund check, but never did. I would also like for my account to be reopened and have a new card sent out. Discover clearly is capable of reopening my account and trying to make me pay for fraudulent charges, which is why my account and card and should be reinstated. Please resolve this issue asap and do not close my complaint. I have reported this fraudulent charge multiple times, but agents do not correctly file the fraud claim. This charge is once again appearing on my account.
01/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Personal information incorrect
  • VI
  • XXXXX
Web
The company respond however I need there answers on their company letterhead XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Discover card account ending in XXXX ( Charged Off ) Consumer Financial Protection Bureau XXXX XXXX : XXXX Dear XXXX XXXX I, Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB XXXX XXXX To ensure your concerns are efficiently addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. We appreciate you bringing the concerns regarding the repayment and settlement of your Discover Card account to our attention and regret to hear of the difficulties that you faced. Our records confirm, your account charged off due to nonpayment in the amount of {$3500.00} on XX/XX/XXXX. We understand that sometimes our customers may experience financial challenges and we welcome the opportunity to assist them. Although, we can not accept your offer of {$950.00} to settle the account at this time, there may be repayment options to help you. Please contact our Customer Assistance and Recovery department at ( XXXX ) XXXX, to discuss any option that may be available. Thank you for allowing me the opportunity to address your concerns. Should you have any further questions, please feel free to contact me, or a member of the XXXXecutive Offices at the telephone number below. I am available Monday Friday : XXXX a.m. XXXX p.m. XXXX. Sincerely, XXXX XXXX Executive Office of Customer Advocacy Due to the age of your account, Discover Bank is not able to file suit against you, but if you take specific action such as making a written promise to pay, the time for filing a suit will be reset. We would like to work with you to resolve your account balance. '' CC : Consumer Financial Protection Bureau
09/20/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93536
Web
The company, Discover Bank, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection XXXX XXXX, XXXX, XXXX, and XXXX are assumed to be credit bureaus and there is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts.
07/28/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OH
  • 43615
Web
- XX/XX/XXXX My card was charged {$160.00} by flohocky. - XX/XX/XXXX I disputed this fraudulent charge as I didn't have and never had an account with flohockey. While reviewing my account I discovered another previous fradulent charge from flohocky on XX/XX/XXXX for {$140.00} and disputed this at the same time. After I had disputed the charges I was also advised to contact flohockey. Their customer service was unhelpful and they told me since I disputed the charge they couldn't do anything about it. I looked up flohocky on the better business bureau and saw they have a F rating. Apparently I am not the only one they are ripping off. - XXXX XXXX Discover card reversed the dispute for both charges and reapplied the charges to my account. - XXXX, XXXX, XXXX I noticed that the fraudulent charges had been reapplied to my account back in XXXX. I immediately called to find out how that was possible. I was told they would reopen the dispute for the XXXX and once that was resolved they would work on the XXXX charge too. I was told they would follow up with me as to the results of their investigation. - XX/XX/XXXX After not hearing anything from Discover card I looked into my account to see the fraudulent {$160.00} reapplied to my account again and spent nearly an hour and a half talking to XXXX different people trying to get these fraudulent charges resolved. I asked what evidence they had that these charges were not fraud. The answer I got was that they had my wife 's name ( authorized account user ) and card information so they viewed them as legitimate charges. I explained that neither myself nor my wife ever signed up for flohockey service nor did we ever provided them with the account information. A charge not authorized by myself or my wife pretty much seems like fraud to me. We don't know how they got the card information.
07/29/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 10303
Web Older American
I filed a dispute with discover for a timeshare charge I signed the contract on XX/XX/2019 and sent a letter to rescind on XX/XX/2019 due to financial hardship. I sent the two certified letter one on XX/XX/XXXX, and XXXX requesting to rescind. Discovery credit my account and reversed the charges to the company. I was informed that the company sent in documentation that I signed the contract. This was not my dispute. My disputes is that I tried to contact the timeshare company to rescind and they didn't responded to me until they received the dispute. Discover informed on the contract it stated that I can not cancel unless a breach from one party. However I received a email from the time share company stating the following '' We have received notification stating you have filed a dispute with your credit card company in regards to the charges made by the Club. Per our internal policies, once a dispute of the charges has been made, we are compelled to wait until the members financial institution completes its investigation and we receive the outcome of this process to further discuss the submitted cancelation request. The Club does comply with the decision made, whether it implies that the banking institution reinstates the funds to the member or not. In the event that the resolution is in favor of the member, the contract signed becomes null and void ; otherwise, we will resume communication with you to discuss a resolution according the outcome of the dispute process. I called Discovery to dispute this decision and was informed that I couldn't. I tried again to contact the timeshare company and again no response. I can not afford this and the high pressure sale tactic during this presentation was misrepresent. If they can not cancel why was it mention in the email if the credit cards refuses to pay they will cancel the contract.
08/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • IN
  • 46321
Web
I have a Discover card which I used for a charge of : {$10.00}. Through my bank, XXXX XXXX XXXX, I electronically paid this {$10.00} charge to Discover card it was debited from my business checking account dynasty management group of which I am the sole manager. I caused a check for {$10.00} to be sent to Discover card and notified discover card before the payment was made and after the payment was made that the electronic check would have the name dynasty management group on it as well as my name Both as remitters. Discover card employee ( s ) somehow lost the payment and now after approximately five hours having been spent on the phone with me to no avail requesting to speak with management, supervisors, team leads and the like : discover card puts me on hold for five hours now over several days and refuses to remove the {$10.00} despite my having paid the {$10.00}. I will not spend {$30.00} to stop payment on an electronic payment that Discover card has on someones desk that did not credit the {$10.00} payment to my account. Further, I was told over several weeks that a manager would call me back and I never received a call until I informed Discover card that I was filing this FTC complaint against Discover Card. I am XXXX under the Americans with disabilities act, I am XXXX years of age and a senior citizen, and I am on a limited income. I also was the victim of a XXXX XXXX XXXX for which I now require several XXXX. I respectfully request Discover card to remove the {$10.00} charge from my credit card account including any cumulative interest or late payment for reasons stated herein. When Discover card locates the payment that I caused to be sent electronically from XXXX XXXX XXXX Bank to Discover Card they are welcome to deposit my payment referenced to herein above to my credit card account to offset the {$10.00} charge.
04/04/2016 Yes
  • Credit card
  • Other
  • CA
  • 95212
Web
On XXXX XXXX, 2016, I filled a dispute with Discover for XXXX XXXX, that I booked on XXXX XXXX, 2016. I was not allowed to get on the flight. I called allegiant customer service, after 45+ minuets of wait. I ended up calling Discover and explained them about the whole situation about not letting me board the flight. The customer service Rep. said he will go ahead and file a dispute once the transaction gets posted on the account. They filled the dispute. On XXXX XXXX, 2016, I was given my money back of {$220.00} along with the interest of {$0.00}. This transaction was final not temporary. On XXXX XXXX, 2016, I saw that Discover reposted that transaction for the amount of {$220.00}. Upon speaking with XXXX from customer resolution department, she said that XXXX said all sales are final. First of all, I did not miss my flight. If I was n't allowed to board the flight, how is it my fault? I had to get a bus from the XXXX airport to get a new flight to California from XXXX airport. On XXXX XXXX, I spoke with Allegiant customer service rep. I was told it is been over XXXX months and they wo n't be able to help me with anything. Discover did not represent me properly and took my money back without proper investigation. Discover can get a recording of the airport of XXXX XXXX, 2016. I was n't late. I got there on time. Due to Discover 's misrepresentation and lack of service, I am losing my {$220.00} for a service that I never used or was not allowed to used. I had to pay {$50.00} for the bus from XXXX to XXXX and then {$250.00} for the new flight. All in all, no one at customer resolution department of Discover is willing to help. They are reading the copy/paste policy of XXXX that says all sales are final. Discover did not even look at my particular situation. At last discover failed to perform their duty and represent me properly.
02/25/2021 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 94605
Web
To whom it may concern, I am submitting this complaint to Consumer Financial Bureau because Discover failed to acknowledge and abide the federal law 15 US Code 1692c. ( c ) ( 2 ) Cease and Desist communications. I sent this letter by certified mail on XX/XX/XXXX. Please refer to the exhibit 1a. On XX/XX/XXXX a letter was typed by me indicating to Discover that they had not stopped communication with me as originally requested and they were in violation of federal law 15 US Code 1692. On XX/XX/XXXX I drafted an affidavit of truth outlining the various violations and that of the federal law of 1692 and sent a letter and affidavit of truth on XX/XX/XXXX via priority mail see exhibit 1b. I am enclosing copies of over 13 violations or 16 in total of 15 USC 1692. Discover is in complete control of their internal XXXX department and it makes no sense, rhyme or reason why they could not obey Federal Law and cease communications as requested. So, I am requesting that Consumer Financial Bureau Protection agency enforce the laws and my consumer rights for these violations that have occurred. See exhibits A-U. Aslo, there is a violation of 1605a Finance Charge : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. In 15 US Code 1605 ( a ) ( 1 ) Finance charge : Congress does not state that a late fee is part of finance. Actually the sum of all fees directly and indirectly have already been included in any consumer credit transaction so lates are not included in the law passed by Congress on behalf of consumers. Thank you in advance, XXXX XXXX XXXX
08/25/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • FL
  • 329XX
Web Servicemember
XXXX we joined Discover, have been congratulated and thanked for longevity over the past XXXX years. Credit limit has been increased. In XX/XX/XXXX I called to have payments put on automatic withdrawal from my checking account. I answered all questions factually ; yet was told my social security number does not match what they have. The original application was paper and apparently they can not locate it. My number has not changed! Discover stated they can not complete the automatic withdrawal. However, they did on XXXX XXXX with another scheduled for XXXX XXXX. They wanted me to have a notary certify my social security number, notaries only certify signatures. In XX/XX/XXXX, without notice, I found out Discover closed our account. It is the only card we have and caused us to be without a credit card, having to scramble to make payment arrangements for items paid with this card AND Discover reported it closed by them to the credit reporting agencies, thus reflecting negatively on our credit. I have made several attempts to straighten this out, having been on the phone excessive hold times, transfers, given a fax number to call and shuffled between various departments including " credit bust out team '' " identity protection '' and " verification department ''. I was told the last 4 numbers do not match and then told the last 4 numbers are correct, just not in the correct order. All they have to do, after XXXX years of extending credit, raising the limit, etc is to correct their error. I provided them with the correct number or they wouldn't have issued the card to begin with. Now they have taken my rewards with the current statement showing {$0.00} when as of XX/XX/XXXX we had {$350.00}. This has all been caused by Discover being negligent in their record keeping and not having the integrity to right their wrong.
08/11/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 92620
Web
XX/XX/2022 - Purchased baseball glove from XXXX XXXX store via XXXX ad for {$91.00} using Discover card via XXXX. ( XXXX only option ) XX/XX/2022 - Received order confirmation XX/XX/2022 - Replied to email on shipping confirmation for status update. Received email delivery failure message. Realized it was a fake site name, opened a dispute with Discover Card and XXXX XX/XX/2022 - Received email from XXXX stating unable to help, contact Discover XX/XX/2022 - Received email from Discover for temporary credit applied to account XX/XX/2022 - Received email from Discover stating case is closed in favor of the merchant and {$91.00} charge applied to account. Email included supporting documents provided by XXXXmerchant with USPS tracking number with delivered status displaying only city and zip code XX/XX/2022 - Contacted Discover via phone to inquire about next steps. Was told by agent to create case with USPS and provide evidence package was not delivered to address listed on order confirmation XX/XX/2022 - Created case with USPS. Local USPS supervisor contacted me via phone and informed me to visit office with proper ID, showing my current address and he would provide image of package with tracking number from XXXXmerchant and full address. XX/XX/2022 - Received image from USPS supervisor taken by mail delivery personnel of package with tracking number and full address. ( not mine ) XXXX - Uploaded image to Discover card dispute case XX/XX/2022 - Received email from Discover card stating information provided was already considered and charge was still valid. XX/XX/2022 - Contacted Discover and was informed they could not do anything for me, even with the supporting evidence the package was not delivered to the address listed on the order confirmation and XXXX invoice. Agent suggest I use another service to fight this dispute.
04/15/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 32812
Web Older American, Servicemember
Consumer struggling for refund of COVID-19 cancelled travel-On XXXX XX/XX/XXXX, I purchased an Airline Ticket through XXXX on XXXX XXXX traveling on XX/XX/XXXX ( XXXX ) on my Discover Credit Card for {$980.00} for my wife and I. XXXX notified me on XX/XX/XXXX that XXXX XXXX had made a schedule change and my flight was no longer available. Once I canceled I would receive a refund. It noted that I should receive a refund within 8 weeks. I canceled and called XXXX XXXX and made another reservation ( XXXX ), since I had already made arrangements traveling on the XX/XX/XXXX with the XXXX Embassy on my travel date to include a Certificate of Entry, Visa, Hotel Quarantine, Covid-19 RT-PCR Test, and fit to fly medical certificate-I did not want any changes to become problematic by changing my travel date of XX/XX/XXXX. I went ahead and notified Discover Credit XX/XX/XXXX via a dispute ( # XXXX ) with all documentation where XXXX XXXX I would receive a refund. XXXX XXXX chimed in on XX/XX/XXXX that the Transaction has been found to be valid, no refund is due and I had one year to travel on that original ticket. Well I was surprised that Discover sided with XXXX XXXX even with all documentation of XXXX processing a refund. I already have met their arrangement via my second purchase of tickets on XXXX XXXX within the one year requirement and Discover still will not give me a documented XXXX refund. I expected to get my money back because I was not the person who cancelled the trip, " I am still owed a refund when an airline significantly changes or cancels your flight. Getting your money back for a vacation cancelled due to COVID-19 remains a real battle, especially with online travel agencies. You need to know what is going on with these Covid-19 Scams. Next stop is the Florida Attorney General and the Department of Transportation.
02/25/2021 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 94605
Web
To whom it may concern, I am submitting this complaint to Consumer Financial Bureau because Discover failed to acknowledge and abide the federal law 15 US Code 1692c. ( c ) ( 2 ) Cease and Desist communications. I sent this letter by certified mail on XXXX. Please refer to the exhibit 1a. On XXXX XXXX XXXX a letter was typed by me indicating to Discover that they had not stopped communication with me as originally requested and they were in violation of federal law 15 US Code 1692. On XX/XX/XXXX I drafted an affidavit of truth outlining the various violations and that of the federal law of 1692 and sent a letter and affidavit of truth on XX/XX/XXXX via priority mail see exhibit 1b. I am enclosing copies of over 13 violations or 16 in total of 15 USC 1692. Discover is in complete control of their internal IT department and it makes no sense, rhyme or reason why they could not obey Federal Law and cease communications as requested. So, I am requesting that Consumer Financial Bureau Protection agency enforce the laws and my consumer rights for these violations that have occurred. See exhibits A-U. Aslo, there is a violation of 1605a Finance Charge : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. In 15 US Code 1605 ( a ) ( 1 ) Finance charge : Congress does not state that a late fee is part of finance. Actually the sum of all fees directly and indirectly have already been included in any consumer credit transaction so lates are not included in the law passed by Congress on behalf of consumers. Thank you in advance, XXXX XXXX XXXX
09/01/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • AL
  • 35640
Web
I reported that I had charges on my card that i didnt make and couldnt account for. they took them off and told me I wasnt responsible. I received notification by phone and then by mail in the 3rd week of XX/XX/2020 that I was responsible for these charges and they would be placed on my bill again. I was told by the card investigator " XXXX '' that the reason why was because i " paid on the the fraudulent charges '' ( I never knew they were on the statements, I was just paying like I always do monthly ... ) and that there was a return or return ( s ), I dont know for sure, she wasnt specific, on some of those unknown charges, so that couldnt be fraud ... so basically accusing me of outright lying to her. Even though I had signed and returned an affidavit swearing that I didnt have my card or make any charges, nor have knowledge of those charges, which I did not. I only found out that my card had this balance when a third party monitoring service text my phone. it was only then I realized my balace was over XXXX $ that I had no clue about. I called IMMEDIATELY at that time and reported the activity I had no clue had taken place. I had knowledge of ONE charge, at quality used auto. before that, by card had less than XXXX $ balance on it. I knew what my balance was and I dont use my cards. All my cards are XXXX. so the alert came in and said your balance is XXXX $ and I had a XXXX XXXX nearly! So, anyway, discover decides after their " investigation '' that they are putting it back on my account. Now they refuse to allow me to re report it as fraud to them. they refuse to give me a telephone number to their fraud investigator so that I can explain to them why I " paid '' on the " fraud charges '' I didnt know existed. the representatives I speak to can not help me and are not interested in my rights being violated by XXXX.
08/21/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 92101
Web
On XX/XX/XXXX my fianc and I purchased a vacation package at the XXXX in XXXX. Total sales price was {$1800.00}, we made an initial down payment of {$290.00} and were to make 11 payments of {$140.00}. We scheduled our vacation package for XXXX XXXX of XXXX, a 6 night stay at the XXXX XXXX XXXX. When COVID hit we were waiting to hear updates about our vacation package because we knew that XXXX and much of the world was on lockdown. We never received any messages from XXXX and after being told that the VIP vacation packages department was not accepting any phone calls we sent several emails to them asking for updates and a refund if applicable. We did not and still have not received any response from XXXX, that is when I decided to contact my credit card company to protect me as a consumer. I filed a claim with Discover on XX/XX/XXXX and provided them full details of my situation with XXXX. An investigation was completed and on XX/XX/XXXX and I was informed that my dispute was being denied and all charges would be posted back onto my account. I have attempted to reach out to XXXX and they are still not accepting phone calls, in addition the customer service representatives are not interested in helping me at all. I am filing this complaint against Discover because as their customer, and as a consumer, I have rights and protection which I am being denied. I am being deceived and defrauded by XXXX and my credit card company is not protecting me. I understand COVID19 has had a huge impact on thousands of businesses but the practice of not accepting phone calls and not responding to emails by XXXX is a deceptive practice. I am paying for a product and service for which I have no idea if I will be receiving. XXXX does not respond to my communication attempts and Discover is not helping me navigate through this challenging time.
10/31/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AL
  • 368XX
Web Older American, Servicemember
I am hoping you can help assist me in recouping my funds from XXXX XXXX / Discover. Please note we never received any product or service from the seller, the order was canceled and the seller was to refund the full amount less the restocking fee. As far as I understand it, the seller never purchased the unit and has stated the refund was returned to Discover and XXXX XXXX shows no transfer back to Discover or to my account. We had a 3 way call with Discover and XXXX and at the time Discover had not ruled in any one 's favor. XXXX advised they had ruled in ours, but because we we had a dispute with Discover they were unable to continue the dispute and canceled it. This has been on going since XXXX and we have not been able to get a resolution yet. We were told that Discover came to the conclusion on their part XXXX should refund {$200.00} for a restocking fee to seller XXXX XXXX XXXX XXXX and the remainder of {$4400.00} to have a check written to us. Full amount of the payment was {$4600.00}. XXXX stated ( Discover rep and myself in a conference call ) that they returned all the money to Discover on XX/XX/XXXX, and they no longer have our money and that Discover has it and needed to disburse it back to the card balance. We were advised that Discover had not received the funds and that XXXX had sent the funds to the Seller. In speaking with the seller they advised their bank is still in deficit the full amount. I am attaching documentation from Discover, as well as the conversation between XXXX XXXX XXXX XXXX and I. Any help with this would be very much appreciated as we have gone back and forth with all parties involved and can not seem to get a valid resolution and we are paying on something we never received. If you have any questions or need clarification on anything please reach out to me to discuss further.
05/25/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NY
  • 11223
Web
XXXX XXXX XXXXXXXX last reported on XX/XX/XXXX {$2000.00} XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX - opened XX/XX/XXXX $ XXXX reported it to the credit burrows as fraud XXXX XXXX - last reported on apr XXXX {$450.00} opened XX/XX/XXXX i opened the card but the card was stolen didnt notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud. Discover Bank XXXX XXXX, XXXX {$7100.00} XX/XX/XXXX opened this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX {$7100.00} XX/XX/XXXX opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX " XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and asked them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$410.00} opened XX/XX/XXXX i opened the card but the card was stolen didn't notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud.
04/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 91702
Web
I have recently noticed upon running my credit to purchase a home for the first time that I have a 30 day late payment associated with my credit card account with Discover Financial Services XXXX. this was back in XX/XX/2018. What happened was months before that I have been paying my balances manually online, and in XXXX had decided to use their App auto-pay on my XXXX for convenience purpose since its how I pay my other cards anyways. The transition to auto-pay was not as smooth as it did not take my payment for that month and it is understandable since the app did not have my correct statement ending balance so it will not take my payment. I had called Discover customer services regarding this matter during XX/XX/2018 and it was a recorded call. In that conversation, I had told them what had happened and the reason why the payment was late. The customer representative at that time apologized for the inconvenience and had waived the late fee I had incurred. My payments were never late before and after this occurrence with any account I have under my name unless there was an error. I contacted Discover Financial Services XXXX and had asked them why they reported my payment being late for 30 days. I had thought that they would not report this matter because it was a system error on their end that resulted in my payment not being processed on time. I had explained to the agent what the conversation was during that time and what our resolution was but the customer representative had told me that she can not do anything but will tell her supervisor regarding the matter, I had closed my account with them because of this upsetting situation I have been a responsible account holder for years and was misled to believe that they had fixed and acknowledged that it was a system error but reported me to the credit bureau anyways.
12/12/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • MO
  • XXXXX
Web
I was denied an extension of credit from Discover which is unlawful and a violation of my consumer rights in accordance to : 15 U.S. Code 1681b ( 3 ) ( a ) - Permissible purposes of consumer reports, ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 12 CFR 1002.4 General rules. ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. 16 CFR 433.1 Electronic Code of Federal Regulations ( e-CFR ) Title 16 - Commercial Practices CHAPTER I - FEDERAL TRADE COMMISSION SUBCHAPTER D - TRADE REGULATION RULES PART 433 - PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES 433.1 Definitions. ( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.
04/08/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • WI
  • 541XX
Web
This complaint concerns a product I purchased last year and my unsuccessful attempts to get my money back. Im dissatisfied with the product, as well as the actions/treatment from several companies related to the product. The parties involved are Discover Card, XXXX and XXXX. On XX/XX/21 I ordered a pair of brand new XXXX 's XXXX Regular-fit Non-stretch Straight Leg Zip fly Jeans Rinse Wash ( Size XXXX ) from an online retailer ( XXXX ) for a total of {$29.00}. Upon receiving them, I discovered that they were too small for me. Normally, a size XXXX or XXXX pair of XXXX jeans fit me well, but not in this case. Instead of going through the hassle of returning the jeans and getting store credit for them instead of a refund ( which is often the case with the particular online retailer mentioned above ), I tried selling them on XXXX. Upon receipt of the said jeans, the XXXX buyer accused me of selling fake/counterfeit XXXX jeans and then returned the pair back to me. I then contacted Discover Card to dispute the charge of the jeans, as I didn't want the jeans nor did I want a pair that could be counterfeit. Per Discover XXXX suggestion to try and work things out with the retailer, I contacted XXXX. They refused to take the jeans back, citing their XXXX return policy. Discover Card sided with XXXX and closed the dispute. Moreover, Discover Card said that they couldnt credit my account as the charge was more than 120 days old. This is not acceptable to me. I do not want the jeans. They do not fit me and Im not satisfied with the product. Furthermore, I question the authenticity of the product. The tags are still attached to the item and have not been worn. Im willing to send the jeans back to XXXX or XXXX. Nevertheless, I want either Discover Card, XXXX or XXXX to refund me my money ( no store credit ) in full. Thank you.
05/06/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • GA
  • 30349
Web
I have been a customer of Discover Card for several years and have never missed a payment and also have an personal loan with them. XXXX payment history with them has been stellar and in fact they increase my credit limit without me requesting it. I recently received an e-mail from XXXX stating that Discover Card want to access my IRS tax information. I actually thought the e-mail was a fraud phishing e-mail, because I have never had a credit card company request to see my tax information. Given I thought this was a fraud e-mail, I deleted it. Today I tried to use my Discover Card to rent a car. I have a {$12000.00} limit and my balance is just over {$5000.00}. The card was declined. I called Discover Card and spoke to XXXX XXXX about the decline. He stated asked did I get the e-mail requesting my IRS information. I told him yes however, I thought it was a phishing e-mail. He state that they would not allow me to use the card unless I gave them access to my IRS tax information. I was shocked. I asked him was this legal. He didn't have an answer. I asked to speak to a Manager and he told me he would send the Manager an e-mail and they would call me back. I have been a customer for Discover Card for years. I have a stellar payment history as evidence by them increasing my credit limit without my request. My income has not changed since I first received the car, in fact it has only increased. However, there is no reason I should give a credit card company access to my IRS tax information to maintain a credit card. This should be illegal. I am really thinking about ending my relationship with Discover, however, this should not be allowed. I should not have to give a credit card company access to my IRS tax filings to maintain a credit card. Please help. I am also filing a complaint with my Congressman. This is ridiculous.
05/16/2020 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't temporarily delay making payments
  • CA
  • 90036
Web
On XXXX I requested assistance from Discover Student Loans because of the Coronavirus and I was granted the disaster relief. However, as the situation hasn't changed much and XXXX XXXX residents are relatively still in lockdown at least until the end of XXXX as recently announced, I called Discover to extend the disaster relief on my account to find out that even though Discover has signed an agreement with Governor of California pledging to help private student loans borrowers with an extended disaster relief, now Discover is changing the terms of the original Disaster Relief and it will be charging interest during this time even though payments are not required. Not having to make the payment does help but charging interest during this time just creates a snowball that will only make the overall situation worse by the time repayment begins. On top of that, Discover is charging the variable rate wrong. Accordingly to the Discover Student Loan agreement, the variable rate is updated every quarter to reflect the new Prime Rate index so the rate is updated every XXXX, XXXX, XXXX and XXXX. However, Discover current rate which should have been updated on XX/XX/XXXX, is showing a Prime Rate Index of 4.25 % even though such index was officially reduced to 3.25 % since XXXX XXXX. Therefore, not only Discover is charging interest to all borrowers during a complete global crisis, they are also charging such interest at a higher rate than it should be. It is pretty unfortunate to see how such an institution ( Discover Financial Services ) which received taxpayer money as BAIL OUT back in the 2008 crisis for the amount of {>= $1,000,000} is now taking advantage of the same taxpayers that helped them when they were in crisis. I really hope the U.S. government can see and take measures against such a despicable show of greediness.
01/05/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • DE
  • 199XX
Web
XXXX charged me twice for the same booking, once on XXXX on my XXXX card ( which I authorized ) and once on XXXX on my Discover card ( which I did not authorize ). The XXXX billing is handled through XXXX. XXXX only had my Discover card number from authorized charges several years priors. XXXX has been unable to credit the double-billed amount although they do not dispute that a credit is owed. They suggested that I contact Discover to get the credit, since I did not authorize the charge to Discover. Seems reasonable. I have been on 7 different phone calls with Discover, including the last one to XXXX in their XXXX XXXX XXXX group. The first person at Discover to whom I spoke instructed me to get the documentation from XXXX to show the duplicate charge. I have done that ( see attached ). I uploaded it to the Discover system that I was directed to use for this. Discover confirmed they have the documents. Still, they refuse to issue the credit. This is an unethical business practice. After spending several hours on the phone with various Discover reps, supervisors, managers, and two " advocates '', I got nowhere. So I emailed to the CEO of Discover and the EVP of Discover. Neither of them has responded to me. I can see that they received my emails because they are apparently delegating my emails to their XXXX XXXX XXXX group. But that is the group who is refusing to provide the credit I am owed. They also refuse to contact the merchant to confirm the facts. Here are the dates and people with whom I spoke. None would provide their last name : XX/XX/XXXX XXXX in Utah XX/XX/XXXX XXXX in Ohio XX/XX/XXXX XXXX in Ohio XX/XX/XXXX XXXX ( XXXX XXXX XXXX in Delaware ) XXXX XXXX XXXX XXXX XXXX XXXX in Delaware ) I sent emails that went unanswered to : XXXX XXXX, Discover XXXX - XXXX XXXX XXXX, Discover XXXX XXXX - XXXX XXXX
11/11/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • GA
  • 30339
Web Older American, Servicemember
Discover began threatening me to make payments by a specific date or they were going to disrupt my credit score significantly. I had made a payment on XX/XX/XXXX of {$270.00} and on XX/XX/XXXX they threatened me again that if I didn't make XXXX payments totaling almost {$1000.00} that they would report me to the credit bureau as delinquent. They did it anyway the same day and reduced my credit score by a staggering XXXX points. They said I was past due of 30 days and that's not 30 days. That's 23 days since I made a payment of nearly {$300.00}. They had offered me a payment plan and I got disconnected and when I called back, they said that plan was no longer active literally XXXX minutes after I was disconnected. When they reported me delinquent, I wasn't delinquent and had set up a pavement plan that allowed me to set my first payment of {$330.00} on XX/XX/22 and then each subsequent payment would be on the XXXX of each month of {$210.00}. They never should have reported me and did so when I was making payments it just wasn't as much as they demanded. They also told me that the plan I qualified for and is now active because I chose not to listen to their employees and just did it through the app and it accepted me and my payment plan. That's wrong of them to use fear tactics and threaten my score and then make such a massive hit to my credit score despite the fact I had just made a payment XX/XX/XXXX. The reason I didn't make an XXXX payment is because the app allowed me to delay it until XX/XX/XXXX and said that there would be no impact to my credit score since I set it up to be automatic and keep it automatic for each month. My credit needs to have the XXXX points restored and noted that I was not 30 days delinquent and they used fear and threats to try and scare me into paying. My user name for discover is XXXX
11/30/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • TN
  • 37660
Web
On XX/XX/XXXX I paid Discover {$4300.00} to pay off a balance transfer offer that ended this same day. In my haste, I misread my statement that stated I in fact owed {$4300.00}, leaving {$81.00} to accrue interest beginning XX/XX/XXXX. I made another payment on XX/XX/XXXX in the amount of {$200.00} which should have satisfied this interest-bearing amount. I didn't notice the interest charged until my XXXX statement was available on XX/XX/XXXX. Being a holiday weekend, I waited to call Discover on XX/XX/XXXX. I spoke with XXXX for roughly 40 minutes, during which, she was unable to provide me with an explanation other than " that's how interest is charged. '' If you calculate the daily interest rate ( 0.1599 / 365 ), based on the number of days between XXXX ( 26 days ), the interest charge should have been roughly {$0.00}. After not addressing my concerns, XXXX transferred me to " someone else that can help you understand how to calculate interest. '' I was greeted by XXXX in the " Delaware Center '' who identified herself as a supervisor. She asked how she should help, but the previous representative had not transferred over any notes or my concerns, so I had to explain myself again to XXXX. XXXX proceeded to tell me that my billed statement was " incorrect '' and does not show the " average daily balance. '' However, when I challenged her on where the consumer could get this information outside of their physical billed statement, she said " you'd have to call in for that. '' Knowing I was getting nowhere with XXXX, I thanked her and called back to determine the amount currently bearing interest according the Discover 's " average daily balance '' which was told to me to be {$270.00} - a far cry from {$81.00}. This amount included a total interest amount of {$4.00}. I made a prompt payment in the amount of {$270.00}.
07/21/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OR
  • XXXXX
Web
XX/XX/2021, I made a reservation for XX/XX/XXXX at the local XXXX XXXXXXXX XXXX - Confirmation number XXXX for {$320.00} with my Discover card. Unfortunately due to circumstances beyond my control : ( post XXXX XXXX symptoms/illness and a five day ice storm with power outages city-wide ) I could not keep my reservation. I reached out to Discover XX/XX/2021 to let them know to remove the charges as I was not able to keep the reservation due to the reason ( s ) as listed above. Shortly thereafter, a credit of over {$750.00} appeared on-line on my Discover card with this notice from Discover : We're writing to inform you that XXXX XXXX XXXX issued a credit for the disputed transaction that we also previously credited. This means your account has been credited twice for the same transaction. To correct this, we have reversed our previous credit, which you will see on your next billing statement. What XXXX XXXX had done was refund to Discover was the Reservation and the Hotel stay. Which I found most confusing, at any rate, XXXX XXXX returned two transactions to Discover. And since I do not carry balance ( s ) on my credit cards, I always pay in full each month, I knew everyone was made whole. I did not owe any money to Discover as XXXX had reversed the charges. This is a record of my dispute with both companies. We're writing to inform you that XXXX XXXX XXXX issued a credit for the disputed transaction that we also previously credited. This means your account has been credited twice for the same transaction. To correct this, we have reversed our previous credit, which you will see on your next billing statement. Case Number:XXXX Merchant Name : XXXX XXXX XXXX Dispute Amount : {$320.00} I've been fighting with Discover since XX/XX/2021, and I'm simply exhausted. Please help me!! Thank you, XXXX XXXX
02/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 206XX
Web
To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards.For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.
10/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • MN
  • 55412
Web Servicemember
Discover Miles Card transferred my " Miles Points '' ( last seen on XXXX XXXX statement ) into a credit ( showing on XX/XX/XXXX statement ) without informing me of this transfer. I had accrued XXXX miles-points ; I don't know date I opened the Miles card because the Rep. told me they had no record of my start date. They gave me a money-credit for the miles I had accrued, of {$570.00}. I would have received full market value for points if I'd been able to use my points ( like I had wanted to do ) for actual airline travel. I could have bought a very expensive airline ticket with the XXXX miles, certainly worth more than {$570.00}. That's why I had been saving up my miles-points. Now I have only {$570.00}. They didn't tell me they were doing this. I simply saw a credit on my statement, and my miles-points had disappeared. ( One representative named XXXX in XXXX told me I should get XXXX x 2, so XXXX based on Discover 's system of : every XXXX miles equalled {$100.00}. ) Spoke with another Rep. who explained the correct credit was {$570.00}. I spoke w/ another Rep. XXXX, who said they couldn't change problem, that Discover had changed how they deal with Miles in XXXX & due to inactivity (? ) they credited my account for a lesser value than real travel would buy. They didn't tell me that. The Rep ( XX/XX/XXXX ) said I couldn't get my miles back, which is what I want. I'd been saving for many years. They said they sent me a check. I didn't receive a check. Going through my statements again, I see the credit has been missing for about a year. I spoke w/ a Rep. today ( XX/XX/XXXX ) & asked where my credit was. It was there on the XX/XX/XXXX statement & missing thereafter. Today after my call, they reinstated my credit. ( *Please note, I did change my Miles Card to the Discover it card after all this happened, XX/XX/XXXX )
03/08/2017 Yes
  • Credit card
  • APR or interest rate
  • WA
  • 98372
Web Older American
At the beginning of this month, after receiving several offers from Discover Card, I went to the website and applied, using the invitation number on my correspondence. I got approved within minutes and got my card today in the mail. Everything on the paperwork that came with the card is the same as the information that was on the invitation except the APR. The invitation stated that my APR would " be 13.49 % to 16.49 % based on your creditworthiness ''. But my paperwork I got with the actual card, like I already stated everything was the same except this. Today 's APR is 19.49 %. I called to try to find out what happened, and I was told that since several invitations had been sent to me, that I apparently used the " wrong invitation number '' when I applied online. I am certain that I did not do that. I am certain that I used the paperwork that came with the invitation that had the lower interest rate. I had thrown the other away. And in today 's mail, along with the actual card and the paperwork that states a different APR than the invitation did, I got yet another invitation from Discover with the rate of 13.49 % to 16.49 %! I was told that I could re-apply, but there was no guarantee that I would be approved this time. That kind of seems like a bait and switch. I would attach the paperwork I have to prove this, but my printer wants to do a " cloud '' thing, and I do n't know how to do that. I would be willing to make copies, something I do know how to do, and send them to you. I have used the card to do a balance transfer as my car broke down and the interest on the card that I had to put it on, is pretty high. The new Discover card has a 0 % APR for the first 14 months. I hope doing this does n't affect my ability to take action against what they have done. I will await your reply. Sincerely, XXXX XXXX
01/29/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • PA
  • 18045
Web
On Monday XX/XX/XXXX I responded to a Discover Card advertisement for 0 % APR financing ( 14 months ) for a credit card and loan consolidation program, so that I could refinance my debt under those terms. I outlined the quantity of money that I would need to borrow and submitted my application. On Tuesday XX/XX/XXXX I received an email notifying me that I was approved for a credit card with a credit limit substantially below the amount requested for approval. Despite not being approved for the amount requested, a credit card was opened in my name for the lesser amount. On Thursday XX/XX/XXXX I called Discover customer services and spoke with ( 5 ) individuals across multiple departments regarding this issue seeking the following resolutions, a ) to have the erroneous credit card account closed and removed from records b ) to have the approval honored for the quantity requested or c ) to have the account flagged to avoid shut-down due to inactivity. I was informed by all representatives that there was no action I could take that would not result in me either having to use their credit card on a regular basis or hurt my credit score by shortening my average account length by canceling the card. Given that this personal loan and credit card was requested together as part of a promotional offer by myself for a specific purpose and amount, and was then approved for a lesser amount with an inability to fulfill that purpose, and that discover card has provided me with no alternative for redress, I am hopeful that the CFPB might help me in resolving this issue and additionally to help future consumers by providing guidance on steps which can be taken in situations where-in individuals apply for one thing and are provided with something else by a financial institution without resorting to harming ones own credit score.
07/28/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 33578
Web
On XXXX of XXXX, Discover Credit Card put me liable in my credit report for a credit card bill that i did not even open with them. I reported this to Discover since last year in XX/XX/XXXX. I came to find out about from a fraudulent withdrawal that i did not authorize in XXXX XXXX XXXX that a credit card was opened under my name. I spoke to Discover and they want me to file a Police Report, and get letter from XXXX XXXX XXXX stating that i did not have anything to do with the credit card fraud, and the Bank letters completely state that the transaction was refunded to me because i did not authorize anything to be done under my name. Thinking that they would take care of the credit card fraud, and instead i have to do so many steps to get it resolved. My credit was damaged because a credit card was opened under my name, and transactions started to happen last year in XX/XX/XXXX. Discover is billing me for {$860.00} for an amount that I did not even do. My previous Bank, XXXX XXXX XXXX disputed a withdrawal of {$700.00} and refunded me the money because they found the dispute in my favor. I never authorized anyone to use my information to open up a credit card under my name or even do Banking transactions. I never had a credit card with anyone, or never opened one up myself. I need help because Discover Credit Card put me as liable in the Credit Bureau, and i am a victim of fraud, and the transactions that point to different places in Florida are not mine, and I did not visit those places in those dates, and I know for a fact that those dates i was working full time. As well, i found out that two accounts were opened fraudulently with XXXX XXXX and they completed their investigation and found the case in my favor. I am just starting to fix my credit, because this is crazy to find out there was something like this.
10/16/2015 Yes
  • Credit card
  • Forbearance / Workout plans
  • CA
  • 952XX
Web
My late husband and I had a Discover credit card, which we used and paid faithfully on. My husband died unexpectedly on XXXX My deceased husband was the main income producer in our household. My house is being sold on a short sale of which I will derive no income. I want to pay my outstanding debts, and have contacted other debtors and all have allowed me to pay the outstanding balances, without interest accruing. XXXX, Discover Credit Card Company. I contacted Discover in XXXX of this year, XXXX, explaining my financial hardship to a representative of Discover, and I had a program worked out to pay a minimum balance each month with no interest charged. The representative indicated as such. But, as the monthly bills came, I noticed that the interest charge was still being added. I called Discover and was told, they understood that an agreement had been made between a representative and myself, but the computer program could not be changed, that charged the interest. The Discover representative said that I would have to call each month to have the interest taken off the monthly bill. This practice worked for several months, until this month, XXXX, when I called, dutifully, and was told that no valid agreement had been made and no interest would be deducted. I was on the phone with Discover Card representatives for XXXX hours, talked to XXXX representatives, was shuffled from one department to another, kept my composure, as I was told that no programs existed for me, no hardship program would be considered as the Discover Card company offered no such program. Disappointing ; yes. Frustrating ; yes. I do want to pay this bill. Without cooperation from Discover CreditCard Company I am faced with not paying and letting this account go delinquent. My depressed income will not allow me to pay this bill, with interest.
10/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60629
Web Servicemember
I am writing to file a formal complaint against this creditor, who I believe has violated consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I kindly request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action, including the removal of the associated debt from my credit report. I have outlined the specific violations and concerns as follows : Re-Aging of Debt : Creditor has attempted to re-age a debt by reporting a more recent date of delinquency, which is a clear violation of the FCRA ( 15 U.S.C. 1681c ). This re-aging misrepresents the actual delinquency date and has resulted in the debt remaining on my credit report for an extended period. XXXX and XXXX Practices : XXXX has engaged in harassment, false statements, and abusive practices in their attempts to collect the debt, in violation of the FDCPA ( 15 U.S.C. 1692d ). These practices include false representations on my credit report with their abusive practices. I have enclosed copies of relevant documentation to support my complaint, including copies of credit reports that demonstrate the re-aging of the debt. I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into these violations by this creditor. Furthermore, I request that you ensure the removal of this debt from my credit report, as it has been inaccurately reported due to the re-aging and associated harassment. I appreciate your prompt attention to this matter and your commitment to protecting consumers ' rights under these vital consumer protection laws. Please let me know if you require any additional information or documentation to facilitate your investigation. Thank you for your assistance in resolving this issue.
09/07/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • FL
  • 34743
Web
Name : Discover Credit Operations Team Address : XXXX XXXX XXXX XXXX DE XXXX Phone : XXXX Reference Number : XXXX I, the consumer and natural person, was denied credit by Discover Credit Operations Team when I applied for a insert whatever you applied for the credit card ( Reference Number : XXXX ) due to you following key factors : -serious delinquency and public record or collection filed -too few accounts currently paid as agreed -Time since delinquency is too recent or unknown -Number of accounts with delinquency According to the Equal Credit Opportunity Act adverse action against a consumer is against the law which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. Due to the response I received by Discover Credit Operations Team are subject to criminal liability for violating 15 USC as I have proof that I was discriminated against due to the response I received. Discover Credit Operations Team is in violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not offered. Furthermore, because my social security number which according to 15 USC 1602 ( l ) is defined as a credit card was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Discover Credit Operations Team. If Discover Credit Operations Team fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit credit card ( Social Security Number ) I will indeed make Discover Credit Operations Team criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations ( {$1000.00} per violation ). Without Prejudice. All Natural Inalienable Rights Reserved
01/26/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CO
  • 80226
Web
Discover is now offering consolidation loans. I took XXXX out and I also opened a discover " bank '' account. The bank account pulls money from my checking account but then holds the money for over a week. I want to say the funds were held for 7-10 days. That 's fine if it was a check but this is an EFT transfer. So, I 'm losing the money out of my bank and not able to use it to pay my loan. So, In the meantime I look at my loan and pay the bill but the payment gets returned because the funds that they pulled electronically are n't available yet. Ok fine that does n't seem right but whatever. So, I paid 2 months on the loan and it should be due again in XXXX. I get online and verify this. Then today I find that the loan payment pulls monthly even if it 's not due. So, the site a few days ago says the payment is due in XXXX. I look at the next payment and that says XXXX and yet the payment gets pulled for XXXX anyway. So now I 'm overdrawn on the bank account will pay a fee for the return on the loan as well as an overdraft on the bank account. Then they 'll pull the money from my checking account. Hold it for 7 plus days and take fees out of it. So, when it 's time to pay XXXX bill it will be short and I 'll have to send more money that will get held and have fees taken out of. So, it 's this vicious cycle that you ca n't get out of. They should n't hold a deposit that they pulled eft out of my bank account for that long. They need to give better info on when payments are being pulled and they should n't say a payments not due and still pull it. It all ends up costing the consumer a lot in fees. After the last time this happened I thought I was planning ahead and getting the money into the " bank '' account a month early was enough time. It is n't. I 'm out fees again. Does n't seem right. Maybe it 's just me,
04/12/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • 33021
Web
On XX/XX/XXXX discover alerted me of unusual activity on my card as soon as I looked at my account and saw what was there I call my family to see who was using the card. At that time my sons discovered his wallet was stolen or missing. I immediately called discover to dispute they were friendly at first and reversed the charges. 30 days later and get a notice saying that since we didn't fill out forms there was no fraud and service rep told me the places were local you have been there before you are reasonable for the charges. I again said we received nothing nor any calls .she said she would reopen the investigation she said she did and wait 2 weeks for now forms ... i waited 3 weeks nothing I called back she didn't do anything the rep said and sent the forms when I got them I promptly sighed them and got police report incidents number as they requested. I waited 2 weeks later I called again oh yes we got your papers would you like to continue? I said of course why else would I have sent then. They have sent me a notice saying there done investigating and i am still response for these charges. this is after the police report saying the card was stolen. The following charges were not authorized by anyone on my account and discover can not sent me any proof showing me that these were done by anyone on my account. XX/XX/2020, a transaction from XXXX # XXXX XXXX FL in the amount of {$84.00} o XX/XX/2020, a transaction from XXXX # XXXX XXXX FL in the amount of {$51.00} o XX/XX/2020, a transaction from XXXX # XXXX XXXX FL in the amount of {$28.00} o XX/XX/2020, a transaction from XXXX XXXX XXXX # XXXX XXXX FL in the amount of {$230.00} o XX/XX/2020, a transaction from XXXX XXXX XXXX # XXXX XXXX FL in the amount of {$210.00} o XX/XX/2020, a transaction from XXXX XXXX XXXX # XXXX XXXX FL in the amount of {$75.00}
10/19/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • IL
  • 60653
Web
I made a payment on my Discover Credit Card in XXXX on XX/XX/XXXX of {$110.00} through their automatic payment over the phone, but Discovery Card said they were unable to locate the bank, and the Bank XXXX XXXX XXXX had not record of being contacted by Discovery Card for any payment Originally after I made the payment for {$110.00}, Discover Card sent me by email a confirmation stating that the payment had been scheduled. However, later they informed me when I called to make sure the payment was processed that it did not go through. When I spoke to them about this on XX/XX/XXXX, we determine that their automatic system had recorded the wrong routing number. However, a supervisor named XXXX told me that they had to access me a fee for the payment not going through even though it was their automated phone system that did not work properly. Later he said the fee was taken off but for some strange reason my minimum amount due for XX/XX/2020, was {$120.00} instead of {$62.00} as it was in XXXX of XX/XX/XXXX. i do not understand how this happen? I want you to investigate how they did not get the correct routing number when I first attempted to pay {$110.00} on XX/XX/XXXX or near that date through their automated phone system. When I paid the {$120.00} on XX/XX/XXXX to an actual live person over the phone that payment went through and was processed! On XX/XX/XXXX, I made a payment of {$120.00} twice the amount of the minimum payment, so the minimum payment for XX/XX/XXXX should have been {$62.00}, but XXXX the supervisor I spoke to said the minimum payment had went up to {$120.00} because the attempted payment of {$110.00} did not go through as a result of their automated phone system not recording the correct routing number for my bank XXXX XXXX XXXX. This did not make sense, and needs to be investigated!!!
09/22/2017 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't temporarily delay making payments
  • NY
  • 114XX
Web
I was laid off by my employer in XX/XX/XXXX and was making small payments to Discover Student Loans to keep my loans current. I was receiving unemployment benefits from XX/XX/XXXX which have now run out as of XX/XX/XXXX. I called Discover Student Loans and spoke to the representatives and managers to explain to them that I have no income and was on unemployment and they all told me that they can not do anything to defer/forebear my payments. I currently have no income coming in and I am actively looking for employment but can not defer/forebear my loans due to financial hardship with Discover Student Loans because they tell me that I am locked into a payment plan and have to make 6 consecutive payments of the minimum of {$920.00}. I currently have to make a minimum payment of {$1700.00} to bring my loan current as it is delinquent. The Senior Account Manager, XXXX, who I was explaining my hardships to told me that I should " borrow money from someone '' or seek out my co-signer, who is my mother, who is unable to assist me due to her high mortgage payment. They told me that there is nothing that I can do and that my payments will continue to increase and they will report my delinquency to the credit companies. I was able to stop payments on my government loans due to my financial hardship but Discover is refusing to assist me with this since I have a " special private loan '' with them. I have no idea what to do at this point and my credit is completely shot. Additionally, they call and harass me all hours of the day and night and I am at my whits end and I explain my situation to them every time I speak to them and they all tell me the same thing, " there is nothing we can do for you and you have to make the minimum payment or else the loan will go into delinquency and be reported to the credit agencies. ''
02/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 92311
Web Older American
On XX/XX/XXXX, I charged {$190.00} on my Discover card for XXXX XXXX XXXX via online ad. On XX/XX/XXXX I changed my mind after reading numerous complaints against this company on XXXX site. I emailed company ( XXXX ) to cancel order. On XX/XX/XXXX, " XXXX ( Support ) emailed that my order was successfully cancelled and shipment stopped. Full refund would be returned to my card " within 5-10 business days. '' I waited and waited. No refund. Therefore, I filed a dispute on XX/XX/XXXX with Discover to get my money back. They issued a temporary credit. Some entity called " XXXX! '' sent Discover fraudulent and misleading papers with a shipping date and a XXXX Tracking #. However, I never received any packages from that company. When I checked with XXXX about the Tracking #, they said they never received the package. It was cancelled by XXXX back on XX/XX/XXXX! It was never shipped. Evidently, the Tracking # was generated when I ordered, but it was never shipped. On XX/XX/XXXX, Discover decided the charge was valid. Wrong! This complaint is echoed by several other consumers who protest as I am doing, that Discover does not protect their cardholders in disputes. One other XXXX like me ( XXXX ) comments Discover seems to be trained to side with the scammers! No longer an honest company. I have already sent Discover documents : 1. the email from XXXX cancelling order and authorizing refund ; 2. XXXX doc stating no package with that tracking # was in their possession. When I called XXXX XXXX and reiterated issue, they said Customer Service would contact me within 48 hours. Of course, that did not happen. Discover told me to ask the company exactly what card was involved, etc, as if I am the investigator! This company ( XXXX. ) is a SCAM. Liars. Discover has essentially stolen {$200.00} from me : protecting scammers.
04/16/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NJ
  • 08611
Web Servicemember
I purchased a stroller from XXXX on XX/XX/2020. Immediately upon receipt of my purchase, I noticed upon opening the package, not only that its not what I ordered, but that it was used and dirty. I contacted XXXX to let them know of what had occurred and was told by an XXXX representative to return the item with a pre-paid shipping label that they were sending me. I sent the item back through XXXX on XX/XX/2020. Tracking ( XXXX ) showed that the item was delivered to XXXX on XX/XX/2020. Weeks went by and I never received a refund. I then started calling XXXX to try to find out what was going on. First they would tell me that they havent received the item, even though tracking showed it was delivered and then they were saying that what they received is not what I purchased. I told them that I know, and that is why I am returning it. Long story short, I was unsuccessful trying to get a refund through XXXX. I then disputed with my credit card company ( Discover ) and initially was told that they ruled in my favor and then a few weeks later they reversed the credit and I am again being charged for something that first, I received the wrong item and second, I no longer even have in my possession as I returned it to XXXX. I ended up disputing twice through Discover and was not successful. They are asking me for the original XXXX label which I dont have and XXXX can not provide, as so much time has elapsed. I provided as proof, the email from XXXX customer service telling me to return the item back to them, an email showing my return summary from XXXX, the XXXX drop-off label showing I dropped the item off at the UPS Store and a XXXX tracking receipt showing the item was delivered. Still none of this is good enough for them. I am now accruing interest on these charges and Discover is unwilling to help me further.
08/28/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • IL
  • 605XX
Web Older American
Today, XXXX XXXX, 2017 I visited the Discover Card site to redeem the Cashback Awards. The site clearly states " These rewards are yours to use ANY time you want, whatever amount you want. Apply your Cashback Bonus to your bill OR deposit to your bank account. ". I had over {$450.00} and beside that amount ere the words- " REEDEEM ALL ''. You had to enter the amount and had two choices- one was to apply as a credit to your bill or two was to deposit to your bank account. I chose all and to deposit. Then a note popped up stating that I needed an account " linked '' to the card and to call XXXX ... I did. I was then told that I could NOT " redeem all '' - the limit was {$300.00} and that they did not know why I was not allowed to select the bank account they had on file. Now mind you, I HAD done this before a few years ago. Also- I do have 4 bank accounts linked to this credit card from which I have in the past paid through their site- infrequently. I asked to speak to a supervisor who could not explain away the discrepancy between WHAT their site CLEARLY stated and WHAT I actually could do. She gave me some spin about " security '' ... When I asked specifically about any issues with MY account- she told me she could NOT say anything due to security reasons ( I assumed she was talking about DISCOVER security ). I understand that I have a " contract '' with Discover to use their card. I pay my bill every month completely. I am not late as the amount owed is not due until XX/XX/XXXX. I have used all 4 of the bank accounts to pay portions of this card at various times- both through their specific site AND through my bank billpay sites. I believe that it is fraudulent for Discover to clearly state what I stated above, BUT NOT allow it to be done and then can give NO reason WHY it can not be accomplished.
08/14/2016 Yes
  • Credit card
  • Advertising and marketing
  • FL
  • 33606
Web Older American
On/about XXXX XXXX 2016 I applied for a Discover it credit card on XXXX. On XXXX XXXX I got an email confirming that I was approved for the Discover it card and that {$50.00} gift card was loaded to my XXXX account as part of my approved card, which would be mailed to me. Around that time I also checked my credit reports on creditkarma and found that my XXXX credit score was excellent. XXXX scored slightly lower and " good. '' By XXXX XXXX I still had not received the credit card from Discover and I became concerned. I called Discover at XXXX and told them about it. They said they would close my account ending in XXXX and issue me a new Discover it card with a different account number and it would be mailed to me in 3-7 days. They confirmed that they do have my correct address. I asked what the last XXXX numbers of the new credit card would be and customer service said they ca n't tell me. I called Discover the next day and asked if they would -- per the Discover it card terms on XXXX -- send the replacement card by overnight shipping. Customer service put me on hold a few minutes then came back and said yes the card would be sent overnight shipping. So I 'm not sure what " overnight '' means in Discover land but it 's been longer than overnight in my world. My complaints are XXXX : Why is this credit card mailing being delayed? I noticed that the " approved '' Discover it card has been deleted from my list of credit cards on my XXXX account. And no further notice of approval has appeared on either my amazon or been sent to me by email. I 'm sensing an element of deception here. XXXX. My credit scores as of today have dropped XXXX points and XXXX points respectively for XXXX and XXXX. The only recent change in my activity has been my application and approval for the Discover it card that never arrived.
08/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 32405
Web
Honor about XX/XX/XXXX Discover card withdrew a {$1000.00} after I was approved for a 3 on secured credit card. Upon not receiving the card it took them a month to mail out when I went to activate it they said there was an IRS form that I needed to bought file and balance of XXXX temps were made over XXXX phone calls which took about a month. After this I made a final call and i'd spoken to somebody and they said oh it's just gon na take a couple days and it will be turned on 2 days later they turn my account off and at that point didn't inform me I asked them to call me and they didn't call me I asked them what they're gon na do to compensate me for the fact that they help a XXXX of my dollars for 4 Months. I also made the claim abroad because they were advertised on a site trying to build credit and when I gave them the money to build my credit when they close my account my credit score dropped tremendouslink when I spoke to someone this last time asking why my account was closed and why they decided to sit there and take that disaction they said they couldn't verify who I was although I filled out all their paperwork And now they said they wan na wait 2 more months before they return my money at this point I'm like OK it's if I had your {$1000.00} 6 Months you would charge me interest I feel like after holding my money for that long they should have to pay me the interest they would have charged me not to mention the compensation for damaging my credit s cool and the guy said that there's nothing he will or could do and there's nothing in place to sit there and take care of someone in this ration The Thing is they took my money before they ever asked for this verification of who I was and if they would've done the verification before they ever withdrew the money There wouldn't have never been an issue
11/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27713
Web
Discover bank is intentionally misreporting negative information on my credit reports to keep my credit score from recovering. I went through financial difficulty about 4 years ago and I am trying to move on but I can't get my credit to recover because of the continuous misreporting by Discover bank. I have attempted to resolve this issue with all three credit bureaus to the point where now when I attempt to dispute this account I get an automated message that says they will no longer investigate this account. I am going to list all of the incorrect information that is being reported and I am going to attach images directly from their sites that show what I am talking about. The first thing that Discover is reporting is an available credit amount on a charged off account so that it will impact my overall credit usage which hurts my credit score. Discover is reporting that I currently have a {$3000.00} credit limit on an account that has been closed for four years. Discover bank is also reporting a new charge-off each month which adds new negative information to my credit report each month instead of allowing the account to age properly and therefore impacting my credit score less as time goes on. On the XXXX credit report, Discover Bank states that account was closed on XXXX. However, the payment history reports that XX/XX/XXXX is 120 days late and XX/XX/XXXX is 120 days late. It is not until XX/XX/XXXX that the account is reported as charged off. Discover bank is also reporting that there was a {$3000.00} credit limit between XX/XX/XXXX and XX/XX/XXXX even though the account has been closed since XXXX. On the XXXX payment history, Discover bank reports XX/XX/XXXX as 90 days late and reports XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as 120 days late even though the account was charged off in XX/XX/XXXX.
08/15/2022 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
  • RI
  • 02895
Web
Good afternoon- I currently have a second mortgage with Discover Home Loans in the amount of {$80000.00}. For over a year now, I have been not working but fighting with them to assist me in any sort of way. 1 ) XX/XX/XXXX or so I submitted a hardship package due to my excessive monthly obligations. I sent in all the asked documents. 2 ) On XX/XX/XXXX, I XXXX XXXX with XXXX XXXX I was XXXX and in XXXX for 10 days. I was XXXX with XXXX. I was out of work for 2 months. 3 ) I continued to send documents to Discover but every single month, they kept on asking for more documents. 4 ) The loss mitigation unit never calls me or emails me but the Collection Unit calls me every 7 days guarantee. 5 ) On XXXX the collection associate went over my financials. Once I told her how much I gave my local church in tithing- she suggested that I stop giving my tithing in order to pay Discover. I was very disappointed and frustrated because I felt as if she was getting in my religion. I asked for an official complaint to be filed. I would like to go on record with such actions including Social Media and news. 6 ) She transferred me to the Loss Mitigation department who simply stated for to keep on sending bank statements and paystubs. 7 ) Why has this case taken over a year? Why cant a Manager be assigned to my case? I asked XXXX XXXX ( my primary mortgage ) for assistance and within 30 days they had a resolution. 8 ) it seems as if Discover wants me to give up on asking for help but I need help. I am a single father of 3 with a heavy financial burden. 9 ) Its important to mention that XXXX XXXX is in the process of helping but theyre also getting the same treatment. I will write a letter to corporate office to see if someone would have mercy on me. I would like this case to be escalated as high as possible.
03/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • 36695
Web
I had a due date of XX/XX/XXXX to pay monthly payment of {$270.00} to Discover for my credit. On Friday XX/XX/XXXX, I contacted discover to let them know that on Saturday XX/XX/XXXX, my wife and I opened a new checking account and to let them know I would submit the payment asap before XX/XX/XXXX to ensure that they wouldn't report me for being late. XX/XX/XXXX, I added my new checking account information to which I was successfully able to add and make the total payment of {$270.00} including the bonus cash I received from Discover. Monday XX/XX/XXXX, discover sent me an email stating that they received the payment. Thursday XX/XX/XXXX, I received another email stating that there was an error and that the payment was returned due to my financial institution listed it as a invalid account. I then had to transfer money to a different account to make a separate payment on Friday XX/XX/XXXX which is now a few days after the due date and 5 days after my initial payment on Sunday XX/XX/XXXX. I spoke with my financial institution XXXX XXXX earlier today XX/XX/XXXX and they confirmed where the payment was confirmed and if Discover processed everything correctly on that Monday, XX/XX/XXXX than everything would've been processed in time therefore the payment being correctly processed and not having to take a huge credit hit for a something I had no control over. XX/XX/XXXX, I also contacted discover as well to find out that they blocked the original account information that I originally entered and now I'm having to mail in a check for them to verify the account information that I originally entered with the initial payment made on Sunday XX/XX/XXXX. I did everything on my part to ensure that I made my payment ahead of time and I find myself in a situation where I'm being put at fault for something I didn't do.
01/06/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Fee problem
  • MA
  • XXXXX
Web
I signed up for Discover savings through their website which offered a {$150.00} bonus for a {$15000.00} deposit and a {$300.00} additional bonus for a {$35000.00} deposit within XXXX days of opening the account. I clicked the " Open An Account '' link on the page that featured the bonus and went through the application process. The account was approved and opened on XXXX. I deposited {$16000.00} on XXXX to be eligible for the first promotion. I realized afterward that the bonus code was not automatically carried through on the link that I used to create the account. On XX/XX/XXXX I called because I thought the code would have automatically applied through the link that was featured on the website. The representative applied the promo code and credited me the {$150.00} bonus. I asked if I was also eligible for the additional {$300.00} if I met the {$35000.00} limit. I was told to transfer the funds and call again. On XX/XX/XXXX I deposited an additional {$18000.00} to meet the {$35000.00} minimum. I did not see the additional bonus credited to the account, so I called Discover once a week starting the week of XX/XX/XXXX and was told each time that it was being reviewed. On XXXX, I received a letter in the mail that my bonus was denied because I did not meet the eligibility. I called and spoke with a representative who told me the {$150.00} credit was a " one-time courtesy credit '' and that they would not credit me the rest of the bonus. I spoke with their manager as well who told me the same thing and that there was no way to dispute it or anyone else I could talk to. I told them that I was never told it was a one-time courtesy credit. This is false advertising. If I go to a website where a promotion is being prominently featured and click the link to apply, the promotion should be honored.
09/15/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • CA
  • XXXXX
Web
iscover Financial Service XXXX has issued me a credit card 1 month ago. However, they refuse to allow me to use mobile payment. They have announced that the function of mobile payment is available with this credit card when I was applying for it. But they just declined to get me verified when I want to add it to my mobile wallet. Especially during this pandemic breakout, we should make full use of contactless payment methods to avoid any unnecessary contact as much as possible, which is also required by the government. However, I have been calling the verification team of Discover credit card for more than 1 month but they keep saying their system does not allow them to send me the text message of verification code, by which they can prove that I am me? The phone number I am using is the phone number I applied for their credit card with. I also have this phone number registered on their website. They keep letting me refer to the credit bureau or the cellphone service company. And I have confirmed with both of the two that my phone number is correct and under my name. But Discover keeps answering me the same things saying that my phone number is not under my name. And they decline to connect me to a Consumer Complaint Department or the IT Department to help me with this issue. That means, they approved my application but refused my using the card without any convincing reason. The supervisors, XXXX XXXX and XXXX XXXX XXXX XXXX have always let me call back and said there might be a solution in the future. But they said they do not know when I asked when it is going to be. This is a type of discrimination and I have called them for more than 100 times, which is really a big waste of time. I feel so frustrated and discriminated since everyone around me has no trouble in that process. This is discrimination.
10/04/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33414
Web
In XX/XX/2022 I noticed 2 charges for XXXX had gone through on my credit card ( automatic, reoccurring charge ) for XXXX and XXXX. I do not have a XXXX account. I called Discover and explained, they assured it would no longer go through. It went through again for XXXX so I froze the account and ordered a new credit card. The new credit card came and Discover CONTINUED to let the charge go through as it was a reoccurring subscription charge. In XXXX I called again, and filed a fraud dispute and asked for the money to be refunded and the card NOT allowed to be charged by that merchant again. The dispute case was resolved and they refunded three of the charges ( 5 total charges ) since you could only file the dispute online attached to each individual charge. I thought it was solved, but again in XXXX the charge went through. I called again. I was assured this time it was solved. BUT in XXXX it went through AGAIN. Spoke to another individual who enacted a feature on the card that will prevent any and all subscription services from pulling automatic payments. Unfortunately Discover does not offer any confirmation numbers, or email receipts of these conversations nor do they have a way to contact them in email so you can have written documentation. However, these conversations and notes are associated with my phone calls and when I call agents are able to look at the prior conversations. At this point I just needed the charges to stop - Discover has not refunded the money, but I just wanted it to stop. XXXX has NO record of this card ever being associated with an account. In XXXX, the card was charged once again. I just called today and was transferred about with no solution and no refund. At this point I have gone to Discover to fix it multiple times so it is time to pursue another avenue.
08/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NC
  • 28411
Web
My mother had a discovercard account beginning approximately early XXXX and defaulted in early XXXX. During that time, i was issued a card as an authorized user in XX/XX/XXXX just a few months away from the default date. When I was issued a card in late XXXX the account was almost maxed out to the credit limit. Once the account was defaulted, DiscoverCard begun this bogus claim that the account was a joint account. DiscoverCard forwarded the default account to their collection agency/attorney firm in XXXX NC and they filed suit against me and my mother for the entire amount that was in default even though it was known and obvious i could of not been responsible for the charges by date and when I became an authorized user. I could not attend the court proceeding so a judgement was entered against me. Also, during this time, since approx XXXX during the default period, DiscoverCard has constantly reported to the credit bureaus for several years derogatory information such as this was a joint account, and that i owed this money. Clearly untrue. Clearly invalid. Clearly deceptive. I have been damaged all these years by DiscoverCards malicious and deceptive behavior. And I deserver compensation for these damages. For years i have requested including the credit bureaus, signed agreements, signed contracts, signed application for credit, and to date DiscoverCArd will not, because they can not, provide such documents because i was an authorized user only ; But, Discovercard was deceptive in pursuing me for this outstanding debt, and they are liable for all the damages caused from such deceptive behavior. I demand a response to this complaint and compensation from DiscoverCard or I am hiring lawyers to sue DiscoverCard for this deceptive behavior that has gone on for years, causing me years of damage.
04/21/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • MI
  • 48083
Web
On XX/XX/XXXX, I opened a discover account ( XXXX ) with a XXXX dollar credit limit.I have used this card many times and payed it off many times.My last payment was on XX/XX/XXXX, paying off card.From XXXX, I havent used the card for any purchases and kept it for future use.On XX/XX/XXXX, I woke up with an email from Discover saying that my account was closed for : Inactivity on your account ( s ) Serious delinquency Proportion of loan balances to loan amounts is too high Also, it states in that email the key factors are : 1. serious Delinquency 2. Proportion of loan Balances to loan amount is to high 3. length of time 4. Too few accounts currently paid as agreed 5.Number of credit inquires on credit bureau I disagreed with all these key factors and why it was closed.I feel these key factors and why they closed the account is a lie.I believe its because of the current coronavirus pandemic and discover is closing many accounts.I have other credit cards with other companies, that i paid off on XX/XX/XXXX and they didnt close my account ( s ) .I know credit card companies can close accounts at anytime.Also, in my XXXX credit report dated XX/XX/XXXX file number XXXX, my credit score is way over 700.In the discover email dated XX/XX/XXXX, it states my credit score is XXXX.That score is false discorver provided.I called discover on XX/XX/XXXX at XXXX and spoke with XXXXShe stated my credit card was closed because of Inactivity on account.I asked XXXX to reinstate my card and XXXX stated i will have to re-apply.I asked XXXX, if this account was closed because of the Pandemic and she would not responsd to that question.XXXX also stated to contact XXXX if i have any concerns about my credit report and discover email.I totally disagree with discover closing my account.I believe Discover treated me unfairly.
06/01/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • PA
  • 15102
Web
On XXXX / XXXX / XXXX , Discover called about a payment. During the conversation, I offered to pay the balance in full if Discover waived interest accrued on the card in calendar year XXXX . The first agent was not authorized to make this transaction, so they forwarded me to a second agent. The second agent offered to waive two months of interest. I declined, and requested escalation to an agent authorized to grant my request. The third agent stated that the second agent " was unfamiliar with your account type '' and the figures the first and second agent gave me were incorrect. He stated that they were not authorized to waive two months of interest. I requested escalation. The fourth agent said that Discover could not waive more than one month of interest. I reiterated my offer : waive interest accrued in XXXX and I would pay the balance in full. The fourth agent again stated that Discover could not grant my request. I stated that I would be filing a complaint with the CFPB because of the inconsistent responses between agents. The fourth agent, after reviewing my account, agreed to waive the XXXX interest accrued on my account if I paid in full " tonight ''. I agreed. The fourth agent transferred me back to the first agent to arrange for the payment. Discover told me that the payment would be debited from my checking account on XX/XX/XXXX . Discover did not debit my checking account on XX/XX/XXXX , as they said they would do. Neither my financial institution not my Discover online access has recorded the transaction as promised by Discover. Monies moved to the checking account to pay the Discover account in full are now sitting in a no interest bearing account, waiting for Discover to fulfill their commitment, while the Discover account continues to accrue interest.
06/10/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30309
Web
I been a customer of Discover Card for Nearly 2 years with a very good payment history. Back in XXXX of 2019 my Discover card account disappeared off my XXXX Credit Report and XXXX Credit Report, I informed Discover of this and they told me it would be fixed and now nearly 10 months later it is not. I contacted the credit agency and I was told that Discover needed to file to have the credit reinserted to my credit report which I informed Discover of this several times and I continue to get the run around, it is still not appearing on my credit. Why is it hard for them to just reach out to the credit reporting agency and have the account added back to my credit report so I can get credit for my payment history it is not right and not fair. I recently called in and a month later received a letter in the mail from Discover asking me to fill out a form of what I'm i disputing which they already know what I'm disputing and also on this form it's is asking me to place my Social Security Number and Date of Birth of a piece of paper and mail it back to them, why would I risk putting my personal information on a form and mailing it when they have all of this information, it seems to be very silly and not professional at all. I been dealing with this for nearly 10 months when Discover could just reach out to XXXX and XXXX and have my account reinserted on my credit report but instead is asking me to write what the issue is on a piece of paper and mail with sensitive information to them which these days with mail being lost why would I just want to put my information on a piece of paper and place in the mail, Discover is not protecting me the consumer and every time I have asked to speak to a higher manager have always been told someone would call me back and never hear from anyone. Bad customer service.
09/05/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • DC
  • 20009
Web
In XX/XX/XXXX my Discover Student Loans started in repayment. I received an email saying {$540.00} was due and I promptly paid that amount on XX/XX/XXXX through the website. When my XXXX bill was due, the website showed that I paid in XXXX, but the total amount due for XXXX did not reflect that payment. It showed I owed {$1000.00}. I called Discover because I could not make that large of a payment, but I did make what I thought should have been my monthly payment of {$540.00} on XX/XX/XXXX. I didn't realized at that time that the company did not apply my first payment correctly, so I asked if I could skip remaining payment for the month of XXXX. They agreed for me to skip the remaining XXXX payment and have the cost added to my monthly payments for a year starting in XXXX. However, when I next checked how much was due, the total number reflected both the XXXX and XXXX payment, as well as the increased payment for XXXX ... all due in XX/XX/XXXX. I called Discover back and on this second call, they realized they had never applied my XXXX or XXXX payments of {$540.00} correctly towards the principle. At this time, they removed the payment plan I had set up to start in XXXX and told me they would apply my XXXX and XXXX payments correctly so that I would simply owe another {$540.00} in XXXX. The Discover representative apologized and told me he would submit a report to Discover 's headquarters about the incident. Today I called Discover back again after seeing that nothing was fixed and they now wanted {$1600.00}. This time, I was again told that the problem would be corrected in Discover phone encounter XXXX ( unfortunately, I did not write down the phone encounters for previous calls and I have no receipts ). I am submitting this claim because calling Discover multiple times has not solved the problem.
10/06/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • NE
  • 681XX
Web
The series of events here are indicative of a bank weighing risk, making their buck, and completely disabusing a customer of their humanity. Discover closed my credit account I've had open for four years. In four years I've never missed a payment, they've made plenty of money off interest from me, and I've not had any complaints. In XXXX I paid off an {$8000.00} dollar balance on my card after using a balance transfer they assessed a {$500.00} dollar fee on for terms of payment over a year without fees. I paid that entire balance off in the same month I transferred it. In XXXX they closed my account without notifying me, although they said they left a voicemail. The timing of this is incredibly suspect. This was an account I had spent the last four years building and arguably my largest available balance by far. I am currently in process of purchasing a home and this is going to tank my score based on credit utilization. In addition to this, I still owe them money from the balance transfer and they won't waive the rest of it. They nickel and dimed me ( an expression in this economy ) for late fees, transfer fees, and interest on transfer fees. Then they dropped my account. This really feels like they weighed the risk of maintaining me as a customer, decided they got their money ( and then some, ) and then scooted me out the door. " There is no way anyone above me in any department can waive this fee for you. This is not a customer retention issue because you aren't a customer. Your account is closed. I'm sorry to hear you aren't interested in opening another account with us. I didn't elect to close my account. You just randomly decided to verify it for the first time in four years and didn't hear back so you closed it out from under me after collecting your money. This is criminal.
04/18/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • WA
  • 98029
Web
Discover has inadequately handled my dispute and is making unreasonable requests. 1. Dispute # XXXX, {$140.00} On XX/XX/XXXX, I opened a dispute concerning an item I returned but did not receive a refund for. I provided the merchant 's return instructions and proof of delivery, including the XXXX return tracking number. Despite this, Discover closed my case when the merchant submitted evidence of refunds for other items in the same order, without contacting me for additional documentation. When I spoke with a Discover Customer Service supervisor on XX/XX/XXXX, I was informed that a return proof with the full address and a refund agreement from the merchant were required. My concerns are as follows : If the full address on the return proof is essential, why didn't the Discover Dispute Team contact me before closing my case? Additionally, given that I already submitted the merchant 's return instructions with tracking information, why is an additional return and refund agreement necessary? If I could obtain such an agreement, I would not have needed to open a dispute with Discover Bank. The supervisor simply stated that neither she nor Discover could help their client and suggested I seek alternative solutions. Rather than assisting me or questioning the merchant about the lack of refund after the timely return of the item, the supervisor exacerbated the situation. 2. Dispute # XXXX, {$49.00} I initiated this dispute due to an unrecognized charge, as the merchant charged me again for an item that I had returned and received a refund for. I provided proof of the in-person return drop-off confirmation. However, it seems that the Discover Dispute Case Manager did not thoroughly examine the documents I submitted and closed the case prematurely upon receiving irrelevant information from the merchant.
07/27/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • CA
  • 91214
Web
My Discover account, my oldest line of credit, was closed unbeknownst to me. There is no information on my Discover.com ( like secure messages or indications on my statements ) that shows that they reached out to me. They said they sent me mail to my home address ( dated in late XXXX ) stating I need to use the card to keep the account open. However, 1 ) we are in the midst of a global pandemic 2 ) I work in a XXXX and have not been able to keep up with unexpected updates from Discover 3 ) I have informed delivery from the USPS and there is no record of any mail from Discover in XXXX. Additionally, I had successfully filed a complaint with the CFPD in the past ( XXXX ) regarding not receiving mail from Discover. They acknowledged their mistake but it seems like this is still reoccurring. I do not want my oldest line of credit to be closed. This is not standard industry practice and most other creditors ( XXXX, XXXX, XXXX ) do not play games like this. I reached out to customer service and supervisors and they told me that they are unable to reopen my account ( because I did not act on the information that I did not receive ). I was told I would get a call back from HQ but they will not be able to help me. I am now reaching out to you as a regulatory agency to make sure creditors stop these predatory practices. I am very disappointed in this practice and would appreciate my card reopened. I am a young adult and I can not afford a large hit to my credit as my average age of credit will now drop significantly and this will affect my mortgage and loan opportunities as I try to grow my XXXX. They advised me to open a new account to continue my relationship with Discover but this has very negatively impacted my view on the company and their policies. I will allow them 1 more chance to right this wrong.
10/21/2015 Yes
  • Credit card
  • Customer service / Customer relations
  • PA
  • 19140
Web
I filed an complaint with Discover on XX/XX/2015, I advised Discover that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. As I am sure Discover are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Discover company will be in violation of the FCRA. Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Discover are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Discover fail to respond in writing, signed by hand, in a timely manner, I will assume that Discover are in error and this matter will be challenged. As Discover further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Discover claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, as well as the XXXX. As of today XXXX, Discover have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.
05/10/2015 Yes
  • Bank account or service
  • (CD) Certificate of deposit
  • Deposits and withdrawals
  • MD
  • 20901
Web
Since the beginning of XXXX, I have been unsuccessfully trying to have the funds from an IRA CD, maturing in mid-XX/XX/XXXX transferred to the XXXX Now, at the beginning of XXXX the Discover bank is still struggling to accomplish this. Contrary to my explicit oral and written requests Discover has rolled over the CD and then assessed a premature withdrawal penalty when the CD was terminated.at the end of XXXX. ( I submitted the proper XXXX and Discover forms weeks prior to the CD 's date of maturity ) On XXXX XXXX, the following was part of my message to Discover, " I find the length of the whole process excessive and the paperwork tedious, The prospect of having to do it again for my other XXXX CDs is unappealing, So, I now would like to update the request to include the transferring of the funds from CDs XXXX, XXXX, and XXXX to the XXXX ''. We are now more than a month past XXXX with only my zeroed out CD accounts to show for this passage of time. Following is the Discover response to my question of why the full amount of the CDs was not redeemed. " Due to the fact that the CDs were closed outside of maturity there were Early Withdrawal Penalties ( EWP ) applied, per the Deposit Account Agreement. '' Is this a fair system, upheld by FDIC, that the bank can ignore a customer 's request, do him damage, and then penalize him? Currently, the XXXX has checks for the CDs but no supporting documentation. The XXXX refuses to process the money until a completed XXXX form is provided by Discover. According to the XXXX, any funds they receive in my behalf from Discover will not be cashed or earn any interest. Meanwhile, Discover, sits on the money and presumably makes free use of it. So, at this point, I do not have a CD, an investment in the XXXX, access to my money, or much confidence in the system.
07/13/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • CA
  • 95687
Web Older American
DISCOVER FINANCIAL SERVICES XXXX XXXX XX/XX/XXXX Received Email from DISCOVER FINANCIAL SERVICES, '' Thank You for your " Recent '' application for a Discover Personal Loan, Your Online submission was successful. The name " XXXX XXXX '' is " NOT '' my name. XX/XX/XXXX Email from DISCOVER FINANCIALS SERVICES Thank You " Your Uploaded of " Cash Flow '' Documents was " Successful '' We look forward to completing your loan request. XX/XX/XXXX Email From DISCOVER FINANCIAL SERVICES Your application is close to being completed, we need a few verification documents. XX/XX/XXXX Email from DISCOVER FINANCIAL SERVICES We have Great News We have verified all of the information provided and your loan is now ready to accept. Each letter has more content within the letter. Showing an Application Ref Number and DISCOVER phone numbers. I proceeded to contact DISCOVER on Two Occasions, with " No Explanation '' .or Understanding '' Who is XXXX XXXX XXXX and how is she connected to my Email Address,? I proceeded to do a " People Search '' and There is a XXXX XXXX listed. I went no further. It seems I have had difficulties with my DISCOVER account in the past which is now closed and went to a Debt Collector. When I access my XXXX Credit Reports it shows , `` No Payment Activity " /Account not found. How can this be? CHARGE-OFF '' Settled for less than the Full Amount. Closed XX/XX/XXXX. I never " Settled '' So I don't understand. Starting XX/XX/XXXX I would receive in Email From DISCOVER CARD-ALERT-SSN-INQUIRY AND NEW ACCOUNT Received Four : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX. I called DISCOVER No Explanation.!!! My determination. The Alert is referring to my SSN, INQUIRY, NEW ACCOUNT I know nothing about a New Account.and There is nothing New added to my Credit reports.There 's more, To much to send
01/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • AZ
  • 860XX
Web Older American
About 5 days ago I received a email from XXXX who said Discover Card was insisting on my signature for permission to obtain my tax records thru XXXX process. Without any warning they also suspended my line of credit until I allowed them to get my tax returns from prior years, not even current income information??? I was in the middle of a vacation and on the road which caused me great stress and thankfully I had other means for deposits, gas etc.. or I would have been stranded. I have had this card for several years and the tactics they used to get this information seemed like a scam doing this by email!!!! This should not be allowed. We are told all the time not to provide our private information in this manner to anyone. This was not even my Credit Card Company ( Discover ), this was directly from XXXX asking me on behalf of Discover???? I returned from vacation today XXXX and called Discover and asked they retract this request as it is not required from every customer nor was the manner in which they were trying to get information thru a third party seemed like a scam!!! I also told them there way of trying to force people who are already customers of suspending their lines of credit without notice was also a threat of you have to give me this information or else which is not right!! This tactic caused me harm of having to close my account with Discover which will affect my credit score in a negative way and I think is completely unfair that a credit card company can pick and choose who they require this information from and not all customers are treated the same. Again, they are not even asking for current information, past information!!!. Research on the internet re this subject I see Discover is doing alot of this and there are many complaints. Thank You for your time in this matter.
02/20/2019 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • PA
  • 180XX
Web Servicemember
I do not know the amount offhand, but it's about a thousand dollars. I initially told the company around last XXXX that I could not pay because I had a XXXX, was in a divorce, and lost my job. They said they would stop late fees and I told them to contact me in 2 weeks. They called at least twice before then. About 3 weeks ago, when my house was foreclosed on, I got another call from them. I explained I was going literally homeless, with no income, and they offered to put a hold on my account ( sound familiar? ). They said or agreed they would freeze my account and not call me for 2 months, giving me time to get situated. Today, they said my account is in collections, not frozen, and had no answer as to why, when I was told it would be put on a freeze. I've since received at least 3 calls last week, 2 calls the week before, and one today. They told me last week they would freeze my account, and that they never call more than once a week. I missed a call today and called them back, getting pretty firm with them. They told me they " can not honor requests not to call certain days or times '', which it's my understanding the law requires them to honor ( eg for work ). I go to school and it's getting me in trouble, because I have to answer because my grandmother has XXXX. I address this, they say " well it's outside of our technology to limit call times ''. I've also not received written notice because I'm, you know, homeless. I'm living off FAFSA, renting a room I can't even use as an address for food stamps or to register my dog. They threatened to have an attorney contact me anyhow, I said " let them, they can't send any certified documents when I'm homeless ''. She continues to express how I have an agreed debt, and if I recall correctly she insinuated something about garnished wages.
06/21/2016 Yes
  • Credit card
  • Payoff process
  • KY
  • 40218
Web
The Credit Card Accountability Responsibility and Disclosure Act of XXXX requires that when a borrower makes payments in excess of the minimum amount, the extra amount must go to balances with the highest interest rate first. Discover card has failed to do this for at least a year, causing me to pay over {$400.00} in interest that I should have not had to pay. Their not following the law is most obvious last month ( XXXX XXXX ) when I had a balance of {$2400.00} subject to a 22.24 % interest rate, and a balance of {$6400.00} with a 0 % interest rate. The minimum payment on XXXX statement was {$170.00}, however I paid {$6500.00} for that month 's payment, which is obviously a lot over the minimum payment. Since so much of this payment was over the minimum payment, according to the Act, the {$6300.00} over the minimum should have gone to the {$2400.00} at XXXX & interest, and should have paid that balance off completely and no more interest should have been incurred. Instead, on my XXXX XXXX bill, there is still a balance of {$450.00} subject to the 22.24 %. This has been happening through XXXX. I contacted Discover customer service at the end of XXXX and questioned them about this and they said that I did not understand the law correctly and that they could apply the payments in a proportionate percentage. Upon my reading of the statute, and other commentary I 've read regarding the statute, I believe that Discover is incorrect and is charging interest when I should have been able to pay off the 22.24 % interest balance a long time ago through my consistently paying more than the balance. I do not know the exact amount they would owe me for this incorrect application of my payments, however I believe it to be over {$400.00} from both XXXX and XXXX interest charges that were charged incorrectly.
08/22/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 43229
Web
In XXXX, I signed up with the national debt relief to eliminate some debt. In XX/XX/XXXX, I completed my last payment. One of the creditors was Discover Bank Student Loans ( SLS ) ( hereinafter " Discover '' ) and it was the last creditor I paid off. The settlement agreement was established on XX/XX/XXXX. The balance was {$16000.00} ; settlement amount was {$9700.00} ( amount that I paid ) ; and the write-off amount was {$6400.00}. Around XXXX XXXX, I received an alert that I have negative activity on my credit report from Discover. I then got all of my credit reports and found that it showed late payments from XX/XX/XXXX up to XX/XX/XXXX with Discover. I disputed the negative activity with my credit reports and they came back as unchanged. I called the Debt Relief company to figure out what happened, since I already paid off the settlement amount. On XX/XX/XXXX, I found out that my settlement agreement was made on XX/XX/XXXX via certified verbal approval by manager XXXX XXXX at Discover. As of XX/XX/XXXX, my credit still showed as being late on payments for Discover. I called Discover and they said they still own the loan, so I gave them the information about the settlement agreement and a few days later when I called back they said my account was fixed and I had a XXXX balance. Since then, I have tried to get a paid in full letter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) with no success. Every time I call they have some excuse about why I have not received it. My credit report still shows up as negative for Discover from XX/XX/XXXX to XX/XX/XXXX and I've had my credit limit reduced on another credit card due to the reported late payments. I believe Discover has violate the Fair Credit Reporting Act. They furnished and reported old information and furnished and reported inaccurate information.
04/15/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • TX
  • 754XX
Web
Opened a Discover Card XX/XX/XXXX with 0 % APR and 23.99 % Cash Advances. I later closed my card in order to pay it off since I was laid off from a job. I had been making payments regularly and I realized my balance should be paid in full given the interest rate, amount paid, length of time I paid on the card. XX/XX/XXXX I send a certified letter requesting my initial agreement and statements. Discover card signed in acknowledgment of receipt of the letter. I was never sent anything. While I was waiting for the letter I requested I was sent a letter stating that I would be sent to an attorney for a lawsuit. I called and explained I was waiting on a response letter from discover card ; I think I'm getting charged the wrong interest rate, I am not sure I agreed to this, and I have been paying it for years. They lowered the interest rate and allowed me to make a one time small payment to avoid being turned over to a lawyer. They did affirm, multiple times, they will be sending my initial agreements, statements, and if charges were wrong it would be rectified. I finally received my statements in the mail, but not my initial agreement. My interest rate in XX/XX/XXXX was 20.24 % APR and 25.24 % Cash Advances. I called again, and they told me if they can find it they will send it to me. I ask " what if you can't find it? I don't want to take discover cards word that I was not overcharged '' they said another department will handle that. I have been trying to resolve this issue for a very long time. I just need validation of my initial agreement and if I have been overcharged I feel I should be reimbursed for the 7 years of being over charged. ( I was not getting statements in the mail and I am not sure what email they had for me, or I would not have had to demand my statements 3 or 4 times ).
05/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MA
  • 02780
Web
I worked and followed step by step the identity theft.gov 's way to handle these situations of identity fraud. I sent in all paperwork, every single document requested and needed for these companies to fix these issues and this is the second company to send me a letter stating there is nothing they can do. I want to take the investigation further as I have a very good idea of who the suspect ( s ) are and believe there is a fraud 'ring ' going on but I will finish working on my issues first. So after they received all necessary information to removed the hard inquiries from my credit report which I have worked tirelessly for years to get to where it is they just simply state they don't have enough information help, although all necessary document where sent to them. I had to go through this same process with XXXX ( XXXXXXXX XXXX ) and now because it has been well after the thirty days I have to with the rest of them. I want to thank you for your help with them as they sent out a letter which must have been nearly immediately after receiving whatever they received from you apologizing and removing the inquires so thank you very much. Unfortunately I will be sending four or five ( I cant think of ther exact number right now of how many more they tried to open ) so I apologize in advance for that, I will probably copy and paste this as my hands literally hurt from spending all day on the computer looking up my rights and what I can do etc. So all I want from these companies is for them to remove the inquires from my hard earned credit report and any and all information on the applications etc they have from the fraudulent applications so I can move forward with my case against these criminals. Thank you so much, you guys and the XXXX site have been unbelievably helpful ; when no one else was.
07/15/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CO
  • 80301
Web
Basically, this is a tandem scam carried out by XXXX and Discover, with the final assessment by XXXX 's team to blame Discover Card for failing to take the corrective action in a fraud case. I would file this as a dual charge if CFPB made it possible. With that said, the basic scam is a very common XXXX XXXX scam, where a seller sends an empty package, or worthless object ( in my case an empty envelope/package ) and this trips the USPS postal system to show that " package was received ''. To the uninitiated, this should be a simple report back to XXXX/XXXX to report this and that should resolve it. XXXX/XXXX makes this difficult by making a mandatory waiting period, layers of bureaucratic automation, and forced time spent by the user to resolve the situation. It is my opinion that this is a core part of their business model, and I would assume there are some internals somewhere showing some chunk of their margins come from grinding some percentage of users until they give up on fraud reports. With that said, I used Discover Card to dispute the case, in order to avoid this hassle. But Discover went out of its way to also refuse to take even a modicum of common sense, and instead relied on its bureaucratic protocols, which once again stem from the fact that the scammer can show that the package arrived. Discover refuses to accept common-sense information, and even with XXXX sending emails that explicitly state that Discover card has wrongly classified my case as " item not received '' rather than their own bureaucratic classification of " item not as described '', it is very clear that after hours of explaining this to all parties by phone and messaging system that they hide behind their own internal procedural mechanisms in order to not once take very basic information into account.
02/05/2020 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • AZ
  • 85140
Web
On XX/XX/2020, a collections representative at Discover ( Credit Card Company ) placed a call due to missed payment. At this time, and today, the credit card only belongs to me. There are no additional phone numbers ( other than mine ) or authorized users on this account. I'm assuming through some form of skip research they manage to acquire my husbands phone number and call him due to a payment that I had missed. He relays information later to me that day that lets me know they did the following - They not only disclose that I've missed a payment, but they tell him balance, what is owed, and schedule 2 payments with him through MY checking account that is on file for XX/XX/2020 for {$120.00} and XX/XX/2020 for {$130.00} without my knowledge because they " couldn't get a hold of me. '' That payment came through today on XX/XX/2020 for {$130.00} after realizing that had taken 2 payments on those scheduled dates. When calling to inquire, the representative that I spoke with today ( via customer service I believe ) informed me that it was in fact ME that had spoken with them on XX/XX/2020 and that it was not documented anywhere that they had spoken with a third party. This caused my bank account to go negative and cause me additional fees, and stress. I am also newly XXXX and this did NOT help when I also have new XXXX bills to pay. I informed the representative I spoke with today place a cease and desist on my account and note that authorization to speak with my husband is not permitted, because even though he's not on the account, clearly someone disclosed everything for their collections bonus. The snapshot details will include the amounts of the transaction, as well as a {$28.00} dollar late fee they informed my husband they would refund to me after that phone call on the XXXX.
01/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 349XX
Web
FOR 7 years Discover has placed an unverified and invalidated charge off account on my credit report & is in violation of Federal Law. The damage has been done to my credit report and it is time for it to come off according to the statues of limitations. PLEASE REMOVE THIS CHARGE OFF ACCOUNT from my credit report because it has caused financial and emotional duress to me and family. Discover is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of discovers first investigation and subsequent reinvestigation, discover stated in writing that they verified that this charge off account is being reported correctly? Who verified these accounts? Discover has NOT provided me a copy of ANY original documentation ( a consumer contract with my SIGNATURE on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, DISCOVER has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. .. I HAVE NO CONTRACT AND NO CONTRACTUAL OBLIGATIONS TO DISCOVER OR ANY OF THESE NEGATIVE ACCOUNTS! DISCOVER HAS NO PROOF THAT I OWE THEM MONEY AND MUST REMOVE THIS CHARGE OFF/COLLECTION FROM MY CREDIT REPORT IMMEDIATELY AND PERMANENTLY. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account FROM DISCOVER BE REMOVED! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
10/30/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • VA
  • 23112
Web
I submitted a balance transfer request on XXXX/XXXX/XXXX with Discover to payoff my line of credit with XXXX XXXX XXXX in the amount of {$1900.00}. The balance transfer of {$1900.00} plus a transfer fee in the amount of {$57.00} posted to my Discover account on XXXX/XXXX/XXXX. I contacted XXXX XXXX XXXX on XXXX/XXXX/XXXX due to my account still not showing paid. They informed me that they did not receive the balance transfer and do not have any sight of it in their balance transfer department. I made sure to verify all information that I submitted to Discover including my account number, payoff address, and amount with XXXX XXXX XXXX. All information was correct on their end. They advised me to contact Discover to get a 15 digit trace number, date submitted, and amount. I contacted Discover, they also verified all information I submitted for balance transfer was correct. They advised that the amount, payoff address, and account number was correct but did not and could not provide me with a 15 digit trace number. They advised that it would take 15 days to investigate. Meanwhile I still have a balance with XXXX XXXX XXXX that 's adding interest daily, and now I have a balance in the same amount with Discover plus a transfer fee. Both accounts are on my credit as balances and debt. I am in the process of purchasing a home and this is negatively affecting my credit and loan decision. I expressed concern to Discover and also frustration that my money and account information for both banks are out there somewhere and no one can find. I asked to speak to a manager, I was told they were all busy and it would take 72 hours for one to call me back. This is unacceptable and I expressed the wish to have the balance transfer cancelled, my transfer fee credited back to my account, and my account closed.
08/12/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MD
  • 21044
Web
I turned in my payment to the processing center and they are acting like they never got it. I sent the payment certified mail, which it said it was delivered to the correct XXXX XXXX XXXX I has been a whole month and they are trying to let fees accrue while they play XXXX. They payment says it was delivered XX/XX/2022. It was in the form of a payment coupon. According to XXXX " '' Coupons are written contracts for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, thatthey, may be separated from the bonds and other instruments to which they are usually attached, it is held that they are negotiable and that a suit may be maintained on them without the necessity of creating bonds. '' Aurora v. West, 7 Wall. S8 19 L. Ed. 42 '' it's taken in good faith with intent to accept unconditionally for value upon only minimal due diligence allowed, cautioned, and required by law, implied contracts in place, constructive trust involved, and contacts. My fiduciary responsibilities include specifically, the duties of care, confidentiality, loyalty, obedience, and accounting. Above all emphasis is on accounting as " the Undersigned '' can not be held financially liable for anything he did not personally sign by his hand and which can not be presented & /or exhibited upon request for inspection for authenticity, terms, conditions, and to view all contents as to possession reflected on fronts and backs. XXXX XXXX is suggested as to owing payment or performance. The Undersigned is XXXX XXXX XXXX and is not guarantor for payment nor guaranntor for collection for XXXX XXXX however as POA facilitator you have a duty of due DC diligence to verify authenticity and positive identity if demanding party claiming a right to payment or performance.
01/17/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • MD
  • 21217
Web
On or about XXXX XXXX, 2022, I was told by a Discover Card customer service agent that there was suspected fraudulent activity on my account. This agent had mentioned at least two account transfers involving my card. I insisted that I knew nothing about any such transactions and after much more conversation about this, wed agreed that the card seems to have been breached and we shut it down. After weeks had passed without ever receiving the replacement card and new account number, Id called Discover to let them know I hadnt gotten it yet, and then also about what all had happened that caused the need for the replacement, only to then be told that they dont see anything unusual on my account, and that they cant send me another card because I was in an interest reduction period for six months when it was closed and so I dont qualify for a replacement card! I then explained to this agent and every other agent after that that I did nothing to lose that account. I explained that Ive had this account for coming up on 20 years soon and Ive never missed a payment- EVER! In fact, Ive never missed a payment on anything, at least XXXX accounts across the board during this time and that by closing my account, youre affecting my credit adversely and unfairly! If the Discover agent was lying to be devilish or malicious, then that should be addressed. If he did it because he wasnt trained properly to distinguish between in house transactions and fraud, then that should be addressed as well. Either way, I did nothing to damage my credit in this way, and I dont want my account closed. What I do want, while were on the matter, is a look at my interest rate. My minimum payments have more than doubled and Id like to look at options to make my payments more manageable until I pay the entire balance off soon.
07/23/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • XXXXX
Web
Emails to " Executive Office of Discover Financial Services XXXX '' being FULLY IGNORED. Documents for verification have been attached, as well as original complaint. DISCOVER BANK HAS NO INTEREST IN RESOLVING THIS, THEY ARE FRAUDULANTLY HOLDING MY MONEY - EVEN WHEN I HAVE ATTACHED : 1. California Drivers License 2. Copy of 2 first pages of my Tax Return ( Slightly redacted ) 3. Copy of XXXX XXXX XXXX, showing amount of my refund - same as check You responded to my complaint ( s ) on CFPB, however have ignored all of my emails since your first on XX/XX/XXXX. " On XX/XX/2020, you were advised that any valid funds would be released to you after 60 days ; however, based upon further review of the account, we have been unable to release the funds. In order for us to lift the suspension of your account, further verification is needed. '' I sent in my CDL when the account was opened. This is my IRS REFUND Check you are messing with. There is NO further verification needed, since : 1. I submitted my CDL upon account opening 2. I am not sending in any furtherdocumentation, short of maybe a page from my Tax Return - and that will show ONLY my name, address and refund amount - You will get NOTHING further. BLATANTLY IGNORING ME - SENDING AND HAVE RECEIVED 2 POSTAL LETTERS, CONDESENDING AND INSULTING - TELLING ME WHAT YOUR DOING WITH MY MONEY - CFPB IS NOT DOING ANYTHING TO HELP ... HOWEVER, I HAVE FILED WITH SUPERIOR COURT, AND SHOULD BE SEEING THIS ON CALENDAR WITHIN A FEW MONTHS. WHILE, I KNOW I DON'T HAVE AN ARMY OF LAWYERS - SOCIAL MEDIA WILL TAKE CARE OF THAT, AND SINCE YOU DID WRONG NOT ME - I AM LOOKING FORWARD TO FINALLY COLLECTING MY TAX RETURN, AND OVER 65 % ADDITIONAL FOR SUFFERING AND PUNITIVE DAMAGES. I WANT MY MONEY - NOT IN A CHECK - I WANT TO KNOW WHY YOU ARE IGNORING ME -
03/27/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 10032
Web
In XX/XX/2020 Ive made a several purchases on XXXX with my Discover *XXXX card. All of the purchased items have been successfully delivered to my business and home addressees in XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, respectively. Unfortunately, some of the items looked and performed not as it was described in the original listing. Therefore, Ive requested a return and a refund within XXXX XXXX 30 Days return, most of the returns have been honored as it reflects on my account. However, listed below items, havent been reimbursed : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$570.00} 2 ) XXXX XXXX XXXX XXXX - {$160.00} 3 ) XXXX XXXX XXXX & XXXX XXXX XXXX XXXX - {$250.00} 4 ) XXXX XXXX XXXX XXXX - {$160.00} Ive filed a dispute on Discover website and attached as a supporting document ( for your convenience, Ive attached a copies of these again ) copy of return shipping label issued and approved by XXXX, as the reference for this return as well as XXXX is listed below. Ive thoroughly reviewed documents, provided in merchants rebutting and would like to point your attention to the facts in these papers, such as. In each .pdf XXXX shows that the return tracking numbers are matching the return tracking numbers attached by me and shows successful return of packages FROM NEW YORK STATE ( where Im located ) TO KENTUCKY STATE ( where XXXX facilities are located ). In all of these pdfs you can see phrase return requested true altogether with a tracking description matching previously attached by me documents. Additionally, merchant attached copies of the original tracking information in the bottom of the rebutting documents, proving my address in New York and confirming the fact of the original deliveries, which Im not rebutting.
09/20/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 93313
Web
On XX/XX/2019 the supposed lawfirm XXXX XXXX XXXX sent a letter claiming I owe a debt in the amount of {$4300.00}. They claim that Discover Bank has retained the firm to collect its claim against me. I do not know XXXX & XXXX. And they have failed to verify that they are authorized to collect a debt from me. On XX/XX/2019 I sent XXXX & XXXX asking them to verify the debt. I asked them to provide licensing and permitting information that proves you are legally allowed to collect a debt from me. I stated that if they are unable to verify the debt they agree that XXXX XXXX XXXX, XXXX is a victim of identity theft. I asked them for an authentic signed contract between them and XXXX XXXX XXXX XXXX showing proof that they and that are now or were at one time in business together and other supporting documentation that gave rise to the alleged obligation DISCOVER is claiming owed. I asked for a statement admitting whether they are the holder in due course or whether they are a servicer. I asked if the loan has be securitized and they CUSIP number for which it was securitized. I asked them to make available for visual inspection my original wet ink promissory note. I asked them to provide copies of current licenses and permits that allow them to collect this debt for a third party as a licensed debt collector in CALIFORNIA, informing them that fines and felonies are the penalties if they are not licensed properly should I not be the true party of interest in this debt collection bill copied and enclosed. I gave them 30 days to respond and they failed to do so. Instead, on XX/XX/2019 XXXX XXXX XXXX committed fraud by advancing a writing without providing procedurally proper validation of the alleged debt. They sent payment copies and copies of billing statements which is not validation.
04/03/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • CA
  • 95336
Web
Im writing to formally complain XXXX secured credit card and XXXX security department. I applied and was approved for the secured card. After sending my social security card, drivers license and XXXX & E bill and submitting a deposit for {$500.00} I was assured that my card would be arriving before my familys vacation to XXXX in XXXX. I received notification from the XXXX informed delivery service that XXXX had indeed sent my card and welcome package on XX/XX/2018. XX/XX/2018 I received a phone calls from XXXX XXXX department and when I called in the evening after I got off work they were closed. When I called the morning of the XXXX I was informed that there was something missing and I can not use my card until I sign some paper that might be coming in the next few weeks. All this takes place 4 days prior to my family and I leaving for vacation and the day before I was promised my credit card would be coming. Now they have {$500.00} of my money. Refuse to let me utilize the secured credit I have with XXXX company and left family stranded prior to our vacation. Now on XX/XX/2018 after contacting the XXXX XXXX XXXX XXXX XXXX line they refuse to return my security deposit and provide further information. After I spoke with this department I called the security department and informed them that I have still not received the paperwork they wanted in order to release my account. They rep I spoke with finally identified the paperwork I needed to send which was a SSA XXXX form. I filed out and sent the form but after speaking with my wife we would just like our money back. As this doesn't make us feel secure with the lack of communication from XXXX. This is a shame and completely ridiculous to my poor kids who have been waiting for this vacation. Please contact me to ASAP to resolve this issue.
11/20/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CT
  • 06516
Web
Regarding Case # XXXX Laptop, cell phone, and wallet were stolen from a local college library. As a result, there are '4 ' fraudulent charges on the credit cards in my wallet at the time of this breach ( accounts and charges are outlined in this affi davit ). Additionally, credit card accounts have been hacked and the address changed to one I have no association with ( XXXX XXXX XXXX, XXXX XXXX, MI XXXX ). Lastly, I reviewed my XXXX credit report and found the fraudulent address listed in addition to XXXX ' unauthorized inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). As a result of the unauthorized activity, I locked and placed a fraud alert with each credit bureau on XX/XX/2023. I am attaching the following documentation to this complaint : 1 ) Police Report ( Complaint # XXXX ) XXXX ) FTC Identity Theft Affidavit ( FTC Report XXXX XXXX ) XXXX ) XXXX Invoice showing a different name ( XXXX XXXX XXXX XXXX XXXX and address XXXX ) Signed letter from the person who authorized the charge without my knowledge and an acknowledgement that I personally received no benefit as a result of this transaction Additionally, I have asked multiple representatives for instructions on asserting Claims and Defenses and I have not received the information I explicitly asked for. Federal law ( 15 US Code 1666, 1666i, and 1640 ( e ) and in 12 Code of Federal Regulations 226.12 ( c ) and 226.13 govern the regulations for Claims and Defenses. As a result, the unauthorized charge of {$1100.00} is now listed on my XXXX credit report and will become a delinquent account if no action is taken. Lastly, I have contacted the Connecticut Attorney General 's office ( XXXX ) and plan on filing an official complaint if this matter is not resolved in a timely manner.
02/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Privacy issues
  • MN
  • XXXXX
Web
In Discover Bank 's response to my Consumer Financial Protection Bureau ( CFPB ) complaints -- CFPB complaint ID XXXX and CFPB complaint ID XXXX -- the response provided by XXXX XXXX in Discover 's Executive Office of Customer Advocacy department very clearly and plainly makes public on the CFPB 's website, my name ; my address ; my phone number and information related to my prior Discover credit card accounts. This is a gross misuse of my personal information and personal data ; there is no reason that such private information and personal information should be posted into Discover 's response to the CFPB -- a response that the CFPB will make public to all consumers. Once more, Discover Bank has proven that they are consistently violating my privacy rights, this time by copying and pasting my personal, confidential and sensitive data into their online reply to my complaint, which is now accessible to any person of the public who can view this complaint. Discover is knowingly retaliating against me by making public my personal, private and confidential data through the CFPB complaint process. Discover Bank should have known that copying and pasting the sensitive and confidential parts of their reply to the complaint, into the online and public complaint portal, would knowingly cause that information to be accessed and misused by the general public. Discover has acted in an unfair, abusive and deceptive manner. Discover also does not address their unfair, abusive and deceptive marketing practices in their response ; they only apologize for MY misunderstanding. The issue is not mine. The issue is Discover 's unfair, abusive and deceptive marketing and credit practices, all of which are not addressed in XXXX XXXX. 's response, other than to grossly misuse my personal and confidential data.
10/08/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NC
  • 28405
Web Servicemember
I noticed on my statement charges from a store called XXXX XXXX. I did not make these charges and disputed them with Discover whom I have been a great customer with them. Discover denied my claim because The card was not stolen for good. However the card was stolen to be used by someone and then placed back in my belongings. I can not tell you who stole my card and used it because I work for XXXX XXXX and work with XXXX XXXX XXXX and XXXX. I am a XXXX and XXXX XXXX XXXX as well as in XXXX XXXX XXXX XXXX and then XXXX XXXX. It is a really high pace agency and Many people going in and out. We also do not have cameras set up in every room. I honestly do not know who my card was taken and used but I know that I did not make these charges. I do very well to keep my credit in good standing and make my payments. I pay for what I use. Discover said I was lying and denied any help. I can not release my Clients name nor can I accuse any of them. I have to learn not to be so trusting but we are trying to help rebuild these children. I have now since changed my way of bringing my personal property into agency but I would like to think they company I trust to have credit with would back up what they say they stand for before you sign the credit agreement. I would hope they would trust me and have my back especially since I feel I am a good customer. I would like for these charges for XXXX XXXX to be removed so I Can pay off the balance. My home was destroyed in Hurricane Florence and I have a lot of rebuilding to do and financially I am hurting and do not have money to just throw away. I can not stay with a company that will not have my back and I can not sit back and keep quiet about the lack of compassion or help. I do not want to have to close my card but I will and take my money somewhere else.
09/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60153
Web
I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Discover Financial Services violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8
04/08/2016 Yes
  • Credit card
  • Cash advance
  • SC
  • 29170
Web
I was scammed. I took a {$2500.00} cash advance on my Discover card. I was skeptical but I sent the money to the scammers. They then payed off the {$2500.00} on my Discover card & told me to get another {$2500.00} cash advance. I called Discover to see if they could put a hold on any cash advance untill the scammers payment cleared the bank. They said there was no way to do that, I would just have to check back to see if it cleared yet. The next day, the scammers said they talked to Discover & got it cleared. I called Discover and they said yes, the payment had cleared. Discover had lied, the payment had not yet cleared. The scammers put a stop payment on it later. Because Discover lied about the payment being free & clear I believed the scammers were telling the truth. I took out another {$2500.00} cash advance because the first advance was payed off free and clear and could not possibly come back to me. I sent the scammers the {$2500.00}. They paid it off once more and my balance dropped to {$0.00} again. The first {$2500.00} had been paid and Discover said it was free & clear ( this was a lie ) so I believed these people and got another {$2500.00} cash advance. So I should have ended up with a {$2500.00} balance plus {$120.00} cash advance fee for a total of {$2600.00}, which I had the next day. One day later my balance was {$5200.00}. the next day my balance was {$7800.00}. I called Discover and said because they lied to me about the payment being cleared when it had not yet cleared that I was only liable for {$2600.00}. They insisted I owe them {$7800.00} because there was stop payments made on the payments. I said if stop payments were made then you lied to me about the payment being free and clear and that makes Discover card responsible for the {$5200.00} not me. They disagree.
11/15/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • TX
  • 77459
Web Servicemember
Received an alert that card was being used in XX/XX/2022, called Discover to report it wasn't me. The suspended the card immediately and stated that they'd send a new one, after XXXX weeks later called to report that I didn't receive it and was told it was due to a paymennt being due that they could not send a card, made a payment and was told it would be sent out, couple weeks later called again to state, card had not been received to be that they could not send me a card unless, I called from the number from an extensive fraud alert, that was placed on my XXXX account XXXX called XXXX, not sure how the fraud alert got there, sent them proof of address, copy of ID and a cover letter, called XXXX to verify receipt, the removed extended fraud alert, called Discover back and was told it wasn't removed, waited a week called back and refused to let customer service rep off the phone, after he told me the same, called XXXX on XXXX phone, verfied the information on speaker while rep on mobile phone on speaker. He calmed his attitude and stated he'd heard and will do a soft transfer so that he can explain to a manger that he heard my conversation with XXXX and that he applauds me on how calm I am after reading the notes on how many times, I've called. Once transfered, I got a XXXX on the phone, who stated to me that he told her that I needed a replacement card and they weren't able to send it cause, I had a fraud alert. She was just as unconcerned as all the other managers that I'd spoken to over the last 2 months. I have spent numerous hours on the phone, being transfered to unhelpful managers, having to explain my issue and many departments and inconsistency in the reasons for this issue, never a solution all though, I've done what was expected of me and 3 months later, no results insight.
04/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NY
  • XXXXX
Web
I signed up for LIFETIME access to XXXX XXXX program call XXXX XXXX where I have access to multiple videos on how to make different crafts. Instead of making a one time payment of {$390.00} I paid through XXXX and made XXXX payments.1. {$240.00} XX/XX/XXXX XXXX {$50.00} XX/XX/XXXX XXXX {$50.00} XX/XX/XXXX XXXX {$50.00} XX/XX/XXXX. On XX/XX/XXXX i when onto my dashboard where the videos were displayed and about 50 videos were removed. I reached out to this company because I was very upset and I complained to them that I only signed up for this company because they promised LIFETIME ACCESS to the videos I was told they were taking the videos down and added new ones. My concern was how do you promise people that have already spent their money on the program LIFETIME ACCESS but youre taking the videos down that we need without having the new videos up. I requested a refund from the company because of FALSE ADVERTISING and misleading information. I reached out to my credit card company thinking they could help me and it was ruled against although I provided information stating the company stated LIFETIME ACCESS to information I had NO ACCESS to. I do not feel this was a fair judgement and I do not think its okay for a company to promise you something until they get your money and then they dont hold up on their end but then they also dont give refunds. How are the customers protected against deceptive practices? I do not think Discover did a proper investigation because its clear that this was false advertising you can say I have LIFETIME ACCESS but the videos that are being removed I clearly dont have access to them or I have to wait for them to redo videos, thats not what I paid forthe right way would have been to leave the videos up and replace them as you go not remove all of them!!!!
02/07/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NC
  • 27545
Web
On this DATE we made a reservation to a XXXX XXXX hotel through XXXX we made an initial deposit of {$570.00} on XX/XX/XXXX. We then paid the rest of the trip a total of {$1300.00} on XX/XX/XXXX. The week that the trip was scheduled, due to COVID-19, our flight was cancelled and the airline refunded our money. The lockdowns in our area forced us to cancel the trip to XXXX XXXX. At the time XXXX XXXX offered us a voucher via phone conversation. Unfortunately unbeknownst to us they closed their doors in XXXX. We reached out to XXXX XXXX on XX/XX/XXXX to ask where our voucher was and found out in an email response that they were temporarily closed for eight weeks beginning in XXXX. We then found out through news articles online that they had permanently closed. The XXXX XXXX XXXX also states they are out of business. We have reached out to XXXX several times to see if they could refund us and they have not helped us at all only promising to call us back and then they never called us back. They say XXXX XXXX would be the ones to give us a refund. But obviously there's no communication availabile to XXXX XXXX because they're closed. Unfortunately after months of trying to to communicate with XXXX, we have been told by them that the hotel was suppose to process a refund, we still have not received any refund. We started a dispute with DISCOVER in XXXX to see if they could help us resolve the issue. They have continued to ask us for new information stating that they can not reach out to the merchant who charged the card. We have provided mountains of information and still have been denied a refund. We were charged for services that were never rendered. We have waited months for DISCOVER to look into the dispute which is well beyond the window allowed according to the fair credit billing act.
04/30/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 326XX
Web
Discover card member since XXXX. On Wednesday, XX/XX/XXXX I received an email from Discover informing me they had closed my account which was in perfect standing with a XXXX balance. They provided three reasons which included : Inactivity on your account ( s ) % of balances to credit limits is too high on revolving accounts Proportion of loan balances to loan amounts is too high I believe they closed the account due to inactivity since I haven't used the card after paying off a balance transfer last year of approx. {$7000.00}. However, regardless of the reason, I find it completely inhumane that a company would do something like this during these unprecedented times. I shared that when I called the company on Thursday, XX/XX/XXXX to discuss my options. I expressed I found it extremely disturbing they would do such a thing during this pandemic. I also shared that I believed they closed my account to minimize their risk because of the pandemic. What if I needed this lifeline during these times for me or my child? Not to mention how it will impact my credit in the event I need to pursue other options. The lady I spoke to was apologetic and said there was nothing the company could do. Their agreement states they can close an account at any time. She suggested I apply again to Discover. I didn't understand this reasoning since they just closed my account. I realized I wasn't going to get a resolution from the call, so thanked her and hung up. That's when I looked up how to file a complaint against Discover. I want to close by saying that I find it utterly appalling that Discover would treat their customers this way during these times when so many other companies are sending emails to ask how they can help. Is Discover helping other customers? If so, am I being discriminated against?
10/10/2019 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Banking errors
  • CO
  • XXXXX
Web
A withdrawal from wells fargo was made on XX/XX/XXXX to open a discover savings account. The amount was for {$10.00}, 000. I went to my XXXX savings account on XXXX to transfer funds from my savings to checking in order to cover a check I wrote to a roofing company. When I logged on to XXXX XXXX my savings account was depleted to {$.00} 2 transactions in the amount of {$10000.00} were withdrawn from my savings account One was withdrawn on XXXX and an erroneous {$10000.00} was withdrawn on XXXX from Discover. I called customer service 3 times to be told that it was a known error and would be put back in my account within 2-5 days I called back because this was unacceptable There was no communication to me from Discover of their " known error ''. They apologized and repeated they would restore my funds within a couple of days. I asked to speak to a manager They told me a manager would call me back. Hours passed without a call. I called for a 3rd time and asked to speak to a manager immediately. I spoke with XXXX ( I think ) who was a supervisor. She again was very polite, repeated that this was a " known error '' but this time she promised that funds would be restored by midnight on XX/XX/10. I mentioned how upset I was that Discover never communicated the " known error '' and I felt very vulnerable with there lack of being proactive and to do right by me ( a new customer ). The supervisor said a message regarding the error detailing the issue would also be sent to me. Not only were funds NOT put in to my XXXX XXXX account I am still waiting on any form of communication regarding that the error. I feel like Discover has taken {$20000.00} from me with no explanation and a series of empty promises. I still cant access {$20000.00} and have no idea when it will be returned.
10/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 10469
Web
XXXX XXXX XXXX XXXXXXXX XXXX XXXX with account # XXXX RE : Requesting a Method of Verification Letter Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. I am certain that the item I disputed Is Incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact Information of employees that you spoke to at as part of this investigation. All previous letters and documents that I sent to you previously are once again attached along correspondence in order to help you process this request. I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal cas need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. Thank you for your prompt attention to this matter. I very much look forward to getting this rese be. 5 soon as possible. Very Respectfully, XXXX XXXX XX/XX/1993 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
08/05/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33322
Web Older American
I ordered a tricycle via internet on XXXX XX/XX/2021 ( Order # XXXX ) for {$99.00} and I used the Discover card to pay for it, before entering my shipping address ; right when I clicked it appeared the XXXX logo along with a name " XXXX ''. The very next day, I found on the internet, an email " XXXX and sent the mail as I wanted to have more information about the purchasing. I never received any answer. I waited for the tricycle to arrive and it never did. Then, via Internet, on XX/XX/2021 I found an email XXXX and I sent an email to this person to CANCEL the above order as to that day I never received the item. In the meantime I informed the Discover because the charge was already there. Discover reversed the charge, Then, on XX/XX/2021 Discover charged my account again and since then, it has been a nightmare as I have called Discover constantly but went nowhere. Yesterday ( XX/XX/2021 ), I called the Fraud Dept at Discover and I was told that they had received a document from the merchant XXXX XXXX '' stating the the merchandise was delivered with no signature. I told them that I want to see the document as I NEVER RECEIVED ANY ITEM. Last night, Discover sent me a document showing it was delivered on XX/XX/2021 @ XXXX XXXX to a USPS Mailbox with Tracking # XXXX. This morning, after I called Discover again and told them I do not live in a mail box. The woman to whom I spoke told me to prove it because they believed on the merchant document. Please, help because this is the second time Discover get my money, the last time, was about {$3400.00} or so for a bathroom work that was never done which I will file a complaint later. I wish I could deal with the seller but I have no idea and XXXX people always directs me to their website which does not solve the problem. Please, help.