Date Received: 2023-08-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: From XXXX to XXXX I've experiencing fraudulent accounts opened on my credit report. Discover bank XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$7000.00} NOT SURE OF SOME OF THE AMOUNTS.
Company Response:
State: MD
Zip: 21227
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was approved for the Discover card in XX/XX/XXXX while XXXX to XXXX. I used the card a few times online and for a balance transfer. After that, my card was declined multiple times since then and I was unable to take advantage of the 0 % introductory rate due to Discover having a security lock on my account. I was told I had to complete the IRS 4506-C form and wait for the IRS to confirm my identity. My card was unavailable for use until the IRS sent that form back to Discover. I was at the mercy of the IRS 's timeline as to when the form was complete by the IRS. Still being XXXX my credit card was never turned back on. I was told I needed to call them. I was unable to call due to being XXXX. I went on leave in XXXX of XXXX and was finally able to call Discover. I was told my account was closed because I never completed an identity verification form notarized and sent back to Discover online. I am XXXX XXXX XXXX XXXX and have not been able to get back to the US to call them. They have a chat function which I was utilizing via horrible Wi-Fi. I pay my bills via Wifi online. Discover discriminately closed my account due to my XXXX XXXX status. This is a violation of the Servicemember 's Relife Act ( SCRA ) and the SCRA was created for this exact type of scenario ; to assist XXXX XXXX members from predatory lenders defaulting to their policies that exclude XXXX XXXX specifically. Had I been a civilian sitting in the US, I could have access to a serviceable phone in order to contact this lender in regards to my account. Discover says they closed my account on XXXX XX/XX/XXXX, after they contacted me via email requesting I fill out another identity verfication form and to get it notarized. I did that, paid {$10.00} for a notary at The XXXX XXXX and they still closed my account and state in the attached chat that they weren't successful in verifying the documents that I submitted.
Company Response:
State: AP
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, Since XX/XX/XXXX, Discover Bank has continued to report inaccuracies on my credit report to the bureaus. I have tried multiple times to resolve this with Discover 's Fraud team who knows that this account had severe unauthorized activity and the account was closed due to it being compromised. Even though Discover closed the account due to unauthorized activity and fraud- they never conducted an investigation into the transactions to get the funds back and they are reporting it as my debt. I only had a balance of XXXX on my Discover Card that I had access to and they are reporting over XXXX to the Bureau 's which is impossible because that is 3x over the spending limit that I even had. They are stating that it will stay on record until 2029 which is very unfair. I have no issues with a lot of other credit cards, loans, etc that I have paid off or am working to. However, this balance is vastly inaccurate and it is ruining my ability for future credit cards, applications on apartments/houses, banks, etc.
Company Response:
State: CO
Zip: 80134
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Discover Card made me pay them for unauthorized charges that I did not make. I have reported that to you before. However, recently, I learned that Discover Financial Services also did an unauthorized " soft '' credit inquiry into my credit on XX/XX/23. That was 5 days before the court trial that I had to attend because Discover Card/Bank sued me for collection of a Discover Card balance, and I sued them back. I ABSOLUTELY DID NOT AUTHORIZE DISCOVER TO MAKE A CREDIT INQUIRY INTO MY CREDIT RIGHT BEFORE TRIAL AND THEY ARE ABUSING THEIR POSITION FOR IMPROPER PURPOSES.
Company Response:
State: CA
Zip: 93722
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This {$250.00} fee should have been refunded. Please confirm and provide proof please. See attached ; dateXX/XX/2023. Thank you.
Company Response:
State: PA
Zip: 19403
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XXXX XXXX, i was charged a fees of {$100.00} by Discover credit card. I used the credit card for XXXX XXXX but was not made aware that this will be treated as the cash advances. This thing was not disclosed to me by Discover and was also not disclosed to me by XXXX when I was making the transaction. I as totally unaware of this cash advance thing and have never used this before on any of my credit cards since last 10 years or so and hence was surprised to see this charge.
Company Response:
State: CA
Zip: 95330
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The specific charge/receipt of {$100.00} is not my charge or my purchase. I am not " XXXX '' and that was not my room number. I did not place this order " to go XXXX ''. I stayed in room XXXX, not XXXX. It's not my signature on 2nd receipt. Note, the stay hotel/motel offered me {$200.00} credit, as seen on page 2 of 2.
Company Response:
State: PA
Zip: 19403
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I am disputing a nearly {$300.00} from a fraudulent XXXX delivery order I did not place on my Discover card. I received the items. I can't use the items. Most are for medical use, such as XXXX XXXX XXXX and are not returnable. I was initially credited, but the decision was reversed in the merchant 's ( XXXX ) favor because they proved I received the items, which I did, but again, I have no use for them whatsoever. In their report, it clearly shows that the order was placed from a Pennsylvania IP address. I am in Utah. XXXX should have much better security to prevent something like this from happening. The order was placed in the early morning so I had no chance of catching it in time. I am extremely disappointed this outcome and response by XXXX. I am disappointed in Discover as well. I am not sure how to proceed.
Company Response:
State: UT
Zip: 84651
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
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 had a service center do work on my vehicle totaling almost {$3000.00}. XXXX included fixing an oil leak, codes from my check engine light and an issue I was having with my traction control light that continued to come on, resulting in loss of power. The service department " fixed '' the issue, only to have my vehicle need to go back into the service center within XXXX weeks for the oil leak that was still happening. After they again fixed the oil leak, my check engine light returned, ultimately resulting in me needing to bring it back in a XXXX time. During that visit I was told the valve cover that they had replaced was not seated properly, causing oil to continue to leak onto my new XXXX sensors. They stated they fixed the valve cover and " cleaned '' the XXXX sensor. They ran the vehicle with no issues. Once I picked it up, I drove it less than XXXX minutes and under XXXX miles when my check engine light returned. Again, the code came back to being my XXXX sensor. I asked for them to replace the valve cover, and the replace, not just clean the XXXX sensor and leave those items in my vehicle so I could verify the work was done. Instead, they did more work to the vehicle stating all these things were missed during the initial diagnostic they performed on visit XXXX. This was ultimately over a holiday weekend when they tried to strong arm me into paying even MORE money or they would not return my vehicle. We ultimately came to an agreement, and I picked up my vehicle after they had it for the XXXX time, for almost a week. I picked it up on XX/XX/XXXX. On XX/XX/XXXX, I checked my oil and to my surprise, there was absolutely no oil on the XXXX. XXXX months later, my car started ticking, and the loss of power/traction control light is still an issue. I tried multiple times for them to fix my vehicle to a better standard, or give me a refund so I could go elsewhere to a competent service department, they have denied, both of those requests. I then disputed the transaction with my Discover credit card with multiple documentation including pictures, timeline of events, screenshots of a supporting video documentation, email records, etc. The person from the company of the disputed transaction wrote a XXXX page paragraph that contained false information and the credit card company stated the transaction was valid. I called the credit card company to inquire about what my next course of action was, the woman I spoke to for XXXX minutes tried to help figure out a way to have the dispute reopened and agreed with everything I was saying until she put me on hold and came back XXXX minute later telling me I was out of luck because the case had been closed. I still have yet to receive a valid explaination of how this dispute was in the favor of the service department it was input against and will continue to dispute it being valid. The service center that did work on my vehicle did not finish the job and has ceased all contact in regards to handling the situation. Discover card assumes no liability on behalf of me being their consumer.
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/23 I sent a conditional acceptance to DISCOVER asking for proof and verification of the alleged credit card debt. In this document DISCOVER tacitly agreed that any negative credit remarks would be removed from credit bureaus. DISCOVER failed to provide satisfactory evidence of valuable consideration or any valid contract for the alleged debt, and has refused to remove the negative credit reports from my accounts at the credit bureaus as of XX/XX/23. Furthermore, a notice of default with opportunity to cure was sent on XX/XX/23 and delivered XX/XX/23, giving DISCOVER one last chance of three days to prove any debt or valid contract, which they never responded to, tacitly agreeing that the account is paid in full or otherwise settled.
Company Response:
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A