Date Received: 2023-09-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Discover Credit Cards has contacted me 14 times since XX/XX/2023 it is currently XX/XX/2023. This is ridiculous and very highly illegal. They have also called me a total of 25 times since XX/XX/2023 and 8 times in the past 3 days.
Company Response:
State: NY
Zip: 131XX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I file a fraud claim with Discover credit card. My purse was lost with my device and my personal information. This happen back in XX/XX/2023 or beginning of XXXX. Someone used it and DC filed the claim I told then do not send me another Credit card until everything is settle. They stated a new card was sent and activated with my old device. I told them I did not received the new credit card and filed a new claim and was denied. They told me some of the charges are from the same stores I usually shop.. I was very frustrated when I hear this. I ALWAYS pay my bills on time and the total balance. My credit is very good and this is terrible what is happening. I am not going to pay something I did not used. I am not planing to pay this CC is they don't resolve this issue. I cancel my payment for XXXX because they need to resolve my situation first. I don't want my credit to be affected it by this. I have no record of past due or collections on my credit. But I am not going to pay for something I did not purchases.
Company Response:
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
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: The first letter is the one from Discover indicating the reversal of a XX/XX/28 alleged transaction for {$99.00} by XXXX XXXX. I tracked with the XXXX XXXX and the XXXX XXXX XXXX XXXX When I called indicated they had no record of this charge. Discover acknowledged that the XXXX XXXX never actually responded to their investigation query with any response documenting a charge. Discover reversed the {$99.00} against me with no documentation of any transaction or claim by the XXXX XXXX. The second letter regards my response to Discover 's claim against me. They refused to put in back in dispute as well. Dear XXXX XXXX, We've investigated your disputed transaction and considered any and all documentation we received from you. We also attempted to obtain transaction records from XXXX XXXX XXXX XXXX NY on your behalf. We were unable to validate the details of your claim and consider the charge to be valid. Case Number : XXXX Merchant Name : XXXX XXXX XXXX XXXX NY Dispute Amount : {$0.00} This means we've closed our investigation, we will reverse the temporary credit on your account, and we'll apply the charge to your account. This amount will be included in the calculation of your next minimum payment due and the calculation of interest on that statement, if applicable. Your next payment due date will be reflected on that statement as well. Please refer to your current billing statement for your current payment due and payment due date. We are required to report your account to the Consumer Reporting Agencies as a disputed account until you advise us to remove the dispute status. If you have any questions, you can call our 100 % U.S-based service team from XXXX to XXXXXXXX XXXX XXXX XXXX every day at XXXX ( XXXX ). Sincerely, Discover Card Customer Service The following letter is in response to the above. Attn : Billing Resolution XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX I contacted your customer service questioning the above decision by Discover. I asked for the specific written response from the XXXX XXXX indicating that the transaction documenting in writing the charge for {$99.00}. Today I spoke to XXXX ID XXXX in your department. We reviewed the above letter. I asked again for the specific written results, that is the transaction information verifying the charge from the XXXX XXXX. XXXX acknowledged that Discover never got any response from the XXXX XXXX ; yet she advised that Discover was charging me despite the lack of a response or any proof from the XXXX XXXX that Discover could send to me. I had been told by Discover customer service for subscriptions at XXXX XXXX XXXX XXXX days ago to obtain documentation. I was told that they had no record of the charge at all. I also spoke to a supervisor at XXXX XXXX. I reiterated the same thing. She had no record of a {$99.00} charge. I asked her for documentation. She advised her name was XXXX and the confirmation No. of this conversation is XXXX. As there was no record of the origin of the charge she suggested I talk to Discover since Discover reversed the charge. As stated earlier, Discover is basing their decision, not on any documentation of a charge from the XXXX XXXX, but because there was no response from the XXXX XXXX. I can not rectify any possible issue since the {$99.00} is not apparent in any of the XXXX XXXX 's record. Discover chose to decide that the lack of a response validated the charge. I have closed my Discover account after spending hours on this matter. I will pay my bill thus far in full minus the {$99.00}. I hope that you will make a decision based on the facts above since there is no documentation from Discover of an unpaid charge with XXXX XXXX. XXXX XXXX
Company Response:
State: NC
Zip: 28803
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Name : Discover Credit Operations Team Address : XXXX XXXX XXXX XXXX DE XXXX Phone : XXXX Reference Number : XXXX I, the consumer and natural person, was denied credit by Discover Credit Operations Team when I applied for a insert whatever you applied for the credit card ( Reference Number : XXXX ) due to you following key factors : -serious delinquency and public record or collection filed -too few accounts currently paid as agreed -Time since delinquency is too recent or unknown -Number of accounts with delinquency According to the Equal Credit Opportunity Act adverse action against a consumer is against the law which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. Due to the response I received by Discover Credit Operations Team are subject to criminal liability for violating 15 USC as I have proof that I was discriminated against due to the response I received. Discover Credit Operations Team is in violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not offered. Furthermore, because my social security number which according to 15 USC 1602 ( l ) is defined as a credit card was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Discover Credit Operations Team. If Discover Credit Operations Team fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit credit card ( Social Security Number ) I will indeed make Discover Credit Operations Team criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations ( {$1000.00} per violation ). Without Prejudice. All Natural Inalienable Rights Reserved
Company Response:
State: FL
Zip: 34743
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To Whom It May Concern - I have a credit card account with Discover. I was on a three ( 3 ) month payment plan with them to cover a missed payment for XX/XX/. Their computer system self-generated a payment plan with 3 equal monthly payments. Auto-payment was set-up and first payment was made on XX/XX/XXXX. I cancelled the XX/XX/XXXX payment because I was making a full balance account payment on XX/XX/XXXX. Which was made ( 2 days after the billing cycle closed ). At no time during setting up that Payment Plan or Cancelling the XXXX auto-payment was I made aware by Discover that they would report my account 30 days late to the credit bureaus because of the remaining past due balance that was spread across those 3 payments. Additionally, I did not receive any email/text/phone calls alerting/notifying/warning me that my account was to be reported late ( AS THEY WOULD HAVE IF I WAS NOT ON A PAYMENT PLAN. Late payment, 15-day late emails notifying they will report ) or any mention made in my XXXX statement ( Attached ). The lack of correspondence, system transparency, and credit bureau reporting has resulting in a significant credit score drop that is now preventing me from obtaining a mortgage ( Please note I have never been late with Discover ). I, as a consumer, should have been notified that auto-payment cancellation ( moved by 7 days ) would result in Discover reporting my account 30 days late to the credit bureaus. Their system needs to be updated to reflect the above and protect future consumers.
Company Response:
State: NJ
Zip: 08723
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
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: Unable to Dispute Online We're sorry, this dispute can not be processed online. Please call XXXX ( XXXX XXXX ) to submit this dispute. Discover Hi, my name is XXXX from the XXXX XXXX I would be happy to assist you, hang tight while I get your account pulled up. Hi XXXX! 35 minutes ago Agent profile picture Discover you are inquiring about a dispute correct and not able to process it online? Yup yup 33 minutes ago Agent profile picture Discover I definitely understand and what is the dispute amount and date? XX/XX/XXXX {$4.00} 32 minutes ago Agent profile picture Discover Okay, I located this XXXXXXXX XXXX XXXX XXXX XXXX XXXX for {$4.00}. Can you provide more details on why you are disputing this transaction? Yes, I ordered a medium rare burger with well done fries but the burger instead of the fries was well done I complained to XXXX XXXX on XX/XX/XXXX but never heard back 28 minutes ago Agent profile picture Discover I definitely understand and have you followed back up since XX/XX/XXXX? I ask because merchants can always provide a quicker turn around with refunds, it can take us 30 days or longer before this resolved. They only have an online form XXXX XXXX XXXX No phone no. or email address I don't think I've ever heard back from XXXX XXXX XXXX minutes ago Agent profile picture Discover Definitely understand, give me one moment, please hang tight. Thanks! 20 minutes ago Agent profile picture Discover We are welcome! I'm really sorry to hear about the situation with your food order, that sounds really disappointing! To help guide you, for this type of situation we do encourage you to continue reaching out directly to the restaurant. We are unable to dispute this since the merchant provided the food item. Although, I understand you feel the food was not up to par. We hope as you continue to work with them that they can make you the proper food order, up to your satisfaction. Or find a more whole solution. Do you have any questions? Yes, I didn't receive medium rare or well done fries though Today Besides, the burger was {$14.00} plus tax but the dispute amount is only {$4.00} I didn't receive the food products I ordered. Also, the order was to go so I couldn't complain to them in real time And I've already waited almost 8 months for them to get back to me 12 minutes ago Agent profile picture Discover We apologize, you was unhappy with the order you received was not what you wanted from back XX/XX/XXXX for medium rare burger with well done fries but the burger instead of the fries was well done. We recommend you visit the merchant store and request for a refund for {$4.00}. If they agree to a refund please contact us back to review more options This is the merchant contact number. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Could I speak to someone else? Discover card is my last resort and I'm entitled to the right to dispute this charge I'm getting upset 10 minutes ago Agent profile picture Discover We understand wanting to speak to someone else and know this situation has been frustrating for you. I apologize I am unable to transfer you to another representative. I will be happy to assist you moving forward, recommend you contact the merchant and request for a refund in person, since you filed a complained to XXXX XXXX on XX/XX/XXXX but never heard back You're not helpful at all 8 minutes ago Agent profile picture Discover We thank you for your time today, and would need details of the merchant agreeing to a refund to move forward with a dispute case for {$4.00}. Thank you for your feedback, I've noted your concerns. We appreciate you sharing because it helps us to continually improve our customer 's experience. I have the right to dispute charges on my Discover card and you're not letting me exercise my right If the merchant had responded to me, I wouldn't be chatting with you I would like to file a complaint against you 8 minutes ago Agent profile picture Discover Yes, I will write up a feedback for a complaint for me. The charge was a food purchase that you received and was unhappy do to the fact that it was well done burger instead of the fries was well done. When you wanted medium rare burger with well done fries. We are unable to dispute this since the merchant provided the food item. But the merchant didn't cook to my specifications Please transfer me to a supervisor 2 minutes ago Agent profile picture 2 minutes ago Discover We apologize to hear this again, recommend you contact the merchant XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, beside using the online link to the merchant. Thank you for your time today, and I would like you to enjoy the rest of your evening! I have forwarded your request to a supervisor. While there is not a supervisor available at this time, they will reply to you in this message thread to assist you further within 2 business days. XXXX is not even a local area code
Company Response:
State: MD
Zip: 20853
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: discover bank, balance is XXXX. this debt was settled XXXX XXXX collections. this account is fradulent. XXXX XXXX inquiry was not authorized by me. XXXX inquiry was not authorized by me. XXXX XXXX inquiry was not authorized by me. XXXX XXXX inquiry was not authorized by me. XXXX XXXX inquiry was not authorized by me. XXXX XXXX inquiry was not authorized by me. XXXX XXXX debt has been paid in full and settled. XX/XX/2023 XXXX inquiry was not authorized by me. XXXX XXXX credit inquiry was not authorized by me. XXXX XXXX inquiry was not authorized by me.
Company Response:
State: AR
Zip: 72076
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to file a complaint to DISCOVER BANK regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, PA XXXX. My date of birth is XXXX, and the last 4 digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXXI have identified likely mendacious and certainly unproven complaint reported account on my credit file that are inaccurate and erroneous l. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular item that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting
Company Response:
State: PA
Zip: 19040
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: discover bank {$0.00} XX/XX/2021 the account shows closed but still is showing on my report this is fraud and i want it removed
Company Response:
State: TX
Zip: 77045
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I hereby dispute the current payment status and remark comment associated with my credit report for DISCOVER BANK for a Credit Limit of {$9000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. The extended duration of the inaccuracies in my Payment History for Current Payment Status and Remark comment serves as evidence that the credit reporting agency and the furnisher knowingly and recklessly violated the FCRA. I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections. Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A