Date Received: 2023-08-07
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: on XX/XX/2023, i went to the XXXX gas station and used my Discover credit card to get some gas for my car I believe I left the card out on the counter of gas station or fell out from my pocket. on XX/XX/XXXX I went to my discover app to pay my monthly payment and I discovered there were lots of charges over XXXX dollars of unauthorized charges on my discover credit card. so, I went to call discover and were looking for my card and i couldn't find my card. so, I immediately contacted Discover where i found the number from internet and i spoked to customer service and i told them what exactly happened and they asked me if i have my card which i told them no, they asked me if the charges were mine and i told them no and they said they will remove charged for me and closed the account and send me a new card. I asked the customer service at that time if i need to file a police report and she told me no i don't need it. This Sunday i looked out on my statement to pay my card and realized all the charges are back on the card. I decided to file a complaint to local authorities that's what brought me here today. Please help me with this stressful situation. Thank you.
Company Response:
State: CA
Zip: 95123
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act this company has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Company Response:
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Trying to dispute but companies wont respond.
Company Response:
State: CA
Zip: 93722
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I paid {$83.00} to XXXX XXXX over the phone for the rafting tour i went on, they for some reason charged me {$130.00} which i didnt agree to, i created a dispute with discover, and they origonally gave me a credit, but then they reversed it, and took the money back, charging me for more then i agreed to
Company Response:
State: CA
Zip: 91307
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: Discover card XXXX bank XXXX and XXXX bank I paid them all but they still call ms
Company Response:
State: PA
Zip: 19135
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023, Discover closed my account without informing me of the reason or the fact that it was closed at all. Over a week later, the auto-generated email said they could not verify my identity. When I finally reached someone on the phone on XX/XX/2023, they informed me that I had done everything right in terms of verification, and had accidentally closed my account due to the fact that I ( an XXXX XXXX XXXX with very limited employment history ) had not filed taxes, even though I was not required to. They said they would reopen my account in a few days, but two weeks and several phone calls on my part later, all I know is that they said corporate is handling it with no end date in time. I have not received any communication from them via email since XXXX 2023. They have not called me. They refuse to update me on the status of my secured deposit refund or my account reopening. My credit score dropped XXXX points from their mistake and rendered me unable to do anything that requires decent credit history. I am missing {$300.00} that they told me would be refunded.
Company Response:
State: AR
Zip: 72205
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I'm accordance to fair credit reporting act my privacy have been violated 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Upon reviewing my XXXX, XXXX, and XXXX consumer reports, I observed that Discover Bank has reported my transactions and experiences, particularly a late payment that you have posted on my consumer report :
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I was scammed by someone by XXXX, I contacted the discover Bank. They couldn't help. They suppose to help and I want my {$600.00} back!
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My identity has been stolen and Discover Card is part of that as I reported to the Federal Trade Commission this is going on for XXXX months now I sent everything I could send to them as evidence and they denied me XXXX on XX/XX/XXXX I received a letter from Discover Card saying I wanted to back out of the fraud charges that was a big LIE I never said that, as from the beginning the XXXX charges are Unauthorized Fraudulent charges and need to be taken care of the bank and myself are still waiting to hear from XXXX I believe you are as well its almost the 60 day mark and nobody has heard from them I sent paperwork to Discover that they requested they are still denying my claim now they lie on the letter and say I pulled the fraudulent charges against them which I did not but that's what they do I guess just like their false advertising on TV get a discover card today if there is fraudulent charges on your account we will remove them no questions asked that is a huge lie and very deceiving to consumers I think that commercial should be pulled from TV all I want Is charges to come off credit card i did not authorize them and they are fraudulent I Spoke to XXXX on XX/XX/XXXX they want more paperwork evidence I gave them what I have they want new there is nothing new waiting to hear from XXXX I'm trying to save my credit but when your identity is stolen you are treated as criminal very sad.
Company Response:
State: MI
Zip: 48047
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A