Date Received: 2023-09-19
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I was sent an application for a Discover card and I filled out the application and it stated that it would be checking my credit. It did not state it would take a hard copy of my credit. If it had stated it was going to take a hard copy of my credit I wouldve never applied and disregarded the entire application. I called Discover and she said I have to file a complaint to get this taken off of my credit report. I have worked very hard on my credit and now this happens and it can stay on for over two years. Its just insane. And she said I have to file a complaint to get this I did not know this is what they were going to do. Therefore, I have the right to tell them it is to be taken off of my credit report. I have worked very hard on my credit and now this happens and it can stay on for over two years its just so sad and puts me in a really bad place. As you know many things are not based on who you are. Its what your credit is. I am almost XXXX XXXX XXXX and XXXX. My credit score is my lifeline. I need someone to help me. Please.
Company Response:
State: OR
Zip: 97220
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2023 I was scammed out of {$900.00}. {$400.00} cash and {$500.00} on a gift card. A man and his pregnant wife claiming they were from XXXX and their cards werent functioning asked if I would help them by giving them money that they would return to me. In turn they gave me fake jewelry they passed as real gold as a way to ensure I trusted them and after they got the money their phones were disconnected and they made off with my money. Ive contacted the FTC, Attorney General, Local Police and my banks. Im not getting any resolution and Im struggling for money.
Company Response:
State: OR
Zip: 975XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Getting the loan
Subissue:
Consumer Complaint: I applied for a Discover XXXX XXXX on approximately XX/XX/2023. I proceeded to fill out their on-line application. It presented the term length and interest rates that were available to me based on my initial application and I am assuming the soft check of my credit, and made my choice. After that, I received an email response indicating that they were interested as well and to continue with my application process. I continued the application process at which time Discover proceeded to request that I send in pictures of my social security card, front and back of my drivers license, provide them 3 months of statements of a primary bank account ( which I took as the one where they would see paycheck deposits and mortgage payments ) and to also provide them the account number and routing number of where they would be depositing the loan funds. I proceeded to provide all that information. They did a hard credit check with XXXX where my XXXX XXXX was XXXX and also did a pull from XXXX. My bank cash balances exceed the loan amount by XXXX, my debt-to-income ratio is less than XXXX percent ( 0.12 % ), my other assets exceeded the loan amount by over XXXX and I have minimal debt. They said that everything checked out but that they were denying the loan request due to not being able to validate the phone number I put on the application ( A cell phone number that has been assigned to me for over 20 years ). This initial rejection took place on XX/XX/XXXX. I proceeded to verify there were no blocks on caller id presented to them when I called in and verified that both credit reporting agencies had my cell number registered, as did the bank on the statements that they requested. At no time did Discover try and call me directly, but they had no issues validating me for security reasons each time I called in to them. Even after verifying with them that the phone number I provided was listed with the credit agencies they used and matched the number from which I was calling, they still refused to provide the loan. This final resolution by them took place on XX/XX/XXXX. The fact that they requested account and routing numbers prior to approving the loan is questionable in my opinion as they would not need that info unless they were planning on approving the loan. Also, collecting an image of driver 's license rather than just my driver 's license info seems to serve no other purpose other than collecting an image of my face, including gender and XXXX XXXX. The fact that they denied the loan only based on not validating a phone number that was valid and on the credit reports they pulled borders on an untruth. At the minimum, the process seems to be no more than an exercise for Discover to collect personal information from me and at worst case, is showing unfair lending practices possibly based on gender, XXXX XXXX and/or income and debt levels that don't play into the types of customers that are more likely to make late payments and allow them to charge more.
Company Response:
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX XX/XX/XXXX I received a denial letter from Discover stating that an application for a Discover it chrome Student Card was denied because status of existing/prior Discover account ( what that refers to is a bankruptcy filed that a previous account with Discover was included ). So I submitted a dispute with Discover and on XXXX XX/XX/, I received a letter from Discover stating a fraudulent application was submitted using my name and SSN # and Discover would not open an account or continue to process the application and that the inquiry would be moved from a hard inquiry to a soft inquiry. Discover said it takes 90 days for XXXX to update my report with the correction and yet it has been six months XXXX XX/XX/XXXX and the issue has still not been corrected. I am requesting that it be removed from my credit report completely.
Company Response:
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/ I sent discover Bank a letter asking for proof of contract provide me with a certified copy of an authenticated original contract with my signature. They have not done so under the frca all unverified accounts must be promptly deleted. By discover Bank publishing this inaccurate and unverified item on my credit report they are damaging my reputation and creditworthiness. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence. Engelhard vs. Gravens ( MO ) 281 SW 715, 719,1 may presume that no proof of the alleged debt for therefore any such debt, in fact exists.
Company Response:
State: IN
Zip: 46835
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Reported card as fraudulent activity! Have provided company with statement from employer that I was at work the time these charges were made in another state along with a police report from my home state! This company states they have a 0 fraud liability policy, and they are not adhering to there policy! My next step will be litigation if you are unable to intervene!
Company Response:
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Dear Customer Financial Protection Bureau ( CFPB ) Representative, On XX/XX/XXXX, my Discover credit card account was unexpectedly closed without a clear explanation. This closure occurred just one day before XX/XX/XXXX, which is the date when I would have reached the " Cash Back Match '' period according to Discover 's Rewards rules. Based on these rules, I would have gained an additional {$290.00} in cash back rewards. This sudden closure is especially disconcerting because I have been using this Discover card as my primary credit card since I applied for it. One of the primary reasons I have been committed to using this particular card is due to the appealing rewards program, specifically the " Cash Back Match '' feature. The timing of the account closure, just one day before I would have been eligible for these additional rewards, raises questions about the reason behind the termination of my account. I have attempted to get clarification on this matter by calling Discover 's customer service. During these calls, I was transferred to four different departments, yet none could provide me with a clear answer as to why my account was closed. This lack of transparency is concerning and makes me question the fairness of this action, particularly given that it occurred right before I was due to receive a significant reward amount. I am seeking a thorough investigation into the reason for the account closure and would like to know whether it is possible to reinstate my account, along with the " Cash Back Match '' rewards that I would have earned. Thank you!
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contacted discover to handle a situation that occurred XXXX of XXXX when a payment to discover was returned and it was reported as a missed payment. I took care of it right away where discover received their funds and everything was cool, they reported it as an on time payment. after I told XXXX and XXXX they removed the missed payment and reported it as an on time payment. a few days later i checked my credit report and XXXX and XXXX changed the status again as missed payment I contacted discover again to double check the status of my payment when they had told me that it was 100 % paid on time. I then called XXXX and XXXX to let them know the status and they told me they would handle it but never did. i checked my credit report and noticed some inaccurate dates reporting from both XXXX and XXXX I highlighted them.
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I filed a dispute with discover for a company not honoring their return policy and not letting me return my products on XXXX for {$2800.00}. I provided all the proof that this was true and Discover does nothing and sides with the merchant : Ive heard the horror stories before that Discover never sides with the user on disputes. I wonder be using this card in the future
Company Response:
State: MA
Zip: 02138
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A