Date Received: 2023-07-26
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: XX/XX/XXXX : I placed an order for {$450.00} with the XXXX XXXX XXXXXXXX website. I used my Discover Credit Card. XX/XX/XXXX : I review my credit card statements and realize a ) I've never received the {$450.00} order and b ) I was never refunded the {$450.00}. I contact XXXXXXXX XXXX XXXXXXXX and they can see on their end that the {$450.00} transaction was " voided '' and agree that I should have received a refund. They even suggest to me to file a chargeback if I haven't received a refund. I file a chargeback with Discover and the dispute is NOT resolved in my favor. I spoke with XXXXXXXX XXXX XXXX afterward and they said that I should have been " made whole '' by this point by my credit card company. I have not been made whole by Discover. Even the merchant themselves state that I should have already been made whole. The merchant agrees with me on the facts of the case. Discover has not resolved the case in my favor despite written communication from the merchant agreeing with me. XXXX XXXX has agreed with me on the facts of the case, XXXX XXXX suggested that I file a chargeback with Discover, and XXXX XXXX insists that I should have been made whole by this point. This isn't a chargeback case involving disputed facts. This isn't a chargeback case involving a merchant at odds with the purchaser. This is a chargeback case where the merchant AGREES with the purchaser. I just want my money back.
Company Response:
State: FL
Zip: 32817
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Contacted Discover using the messaging feature in the mobile app because I was unable to add my credit card to XXXX XXXX. I would confirm the card number, expiration date, and security code. That would process successfully and I would land on the XXXX XXXX XXXX page, agree to the Terms, and be bounced back to the main screen with my name and card number. The issued message I received said to contact the Card Issuer because my request was being denied. Discover was offering a promotion of 5 % cash back for purchases made with a digital wallet of up to {$75.00} back from XXXX to XXXX of XXXX and is currently offering the same promotion for XXXX to XXXX of XXXX. XX/XX/XXXX : Dates of contact are unavailable because the mobile app only shows the month and year for a date stamp. I tried scanning the card in XXXX, manually typing the numbers, and adding through the Discover app. Responses were days apart from a representative. Received queue acknowledgment messages for 3 days before an agent was connected. Upon responding to the agent saying I could not connect my card, I was sent back to the automated message system. I received an automated prompt to add my card to XXXX XXXX through the Discover app, which did not work. I then received 8 messages over the course of a few days acknowledging my place in the queue. I was connected to an agent at an inconvenient time when I was not available and did not have my issue resolved. XX/XX/XXXX : Contacted Discover via messaging once again. I was told I needed to call Discover to speak with technical support. XX/XX/XXXX : Called Discover support at XXXX XXXX and was connected to a technical support agent. The agent told me that Discover could not see my requests to add the card to the XXXX. The agent then told me the issue was because I had multiple cards ( sequence ) on my account with the same card number and told me I had to cancel two. I refused, as I use all issued cards. The agent then put me on hold to connect with others regarding this issue. After about 20 minutes, the agent returned and told me that again the problem was having more than one active card on my account and suggested canceling. I explained that I did not want to do that, and said there must be other customers with multiple cards that are having the same issue as me. After being placed on hold again for 10 minutes, the agent returned to tell me that they were opening a ticket and to email a screenshot of the message I am receiving in the XXXX XXXX. This poor customer service from XXXX XXXX and poor reasoning inhibiting participation in rewards ( having multiple cards means I can not use a digital wallet ) is interfering with using my credit card for the purposes it was advertised for ( rewards card ).
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Company or Organization : XXXXXXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1100.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. Utility Account Opened by the Thief Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$240.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$200.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. Credit Card Opened by the Thief Company or Organization : DISCOVER BANK Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. Credit Card Opened by the Thief Company or organization : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX TOTAL FRAUDULENT AMOUNT : {$0.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. Credit Card Opened by the Thief Company or organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. Credit Card Opened by the Thief XXXXXXXX XXXX XXXX XXXX company or Organization : Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$170.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. Credit Card Opened by the Thief Company or Organization : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$180.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts.
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Discover Student Loans is taking payments out of my account on the wrong dates that I have created over the phone with loan specialists. Most recently on XX/XX/XXXX, and XXXX, I spoke with specialists to discuss lowering my monthly payment. I currently pay {$680.00} a month. However, this payment increases often as my interest rate goes up. I have been told by multiple specialists through Discover Student Loans that there is nothing that can be done for me. I have asked to lower my monthly payment, increase my 15 year plan to pay them off to lower payments, consolidate the loans, as well as line up the dates closer to my pay days ( biweekly ). On XX/XX/XXXX, the company took out {$350.00}. I did not agree to XX/XX/XXXX, I consented for them to take out on XX/XX/XXXX, my payday. This caused me to pay an overdraft fee through my bank. My next loan was supposed to be taken out on XX/XX/XXXX. However, on XX/XX/XXXX, they took out {$420.00}. As a XXXX this takes so much out of my income that I am struggling to pay for day to day expenses like groceries, gas, medical bills, car payment, etc. It seems that every time I talk with them on the phone to try to get things fixed, it ends up worse.
Company Response:
State: IN
Zip: 467XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The escrow portion of my loan was written up incorrectly, as my property taxes are paid quarterly and this information was given to the underwriter several times. Yet the loan was set up to pay the property taxes annually. The county tax collector 's office told me that any checks received for my property tax after XX/XX/2023 will not be accepted and mailed back. So I am now paying out-of-pocket for the property tax and making escrow payments for something Discover Home Loans is not paying. I have called several times over the last two months. No one has helped and my formal request to remove the escrow was denied. They refuse to rewrite the loan or put the funds back that were returned to them from the county tax collector. They tell me to refinance with someone else to fix this myself, but that I will have to pay them a fee in order to do so. I am happy to provide documentation if you are able to help address this.
Company Response:
State: FL
Zip: 33426
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Approximately XXXX months ago, I sent a letter to Discover Financial Services via the U.S. Postal Service at the address provided on my XXXX credit report ( i.e., XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to report two unauthorized inquires on my credit report ( XX/XX/2022 and XX/XX/2022 ). Approximately 2-3 weeks later, the letter was returned to me by the U.S. Postal Service as " Undeliverable ... Addressee not at address. '' I then phoned Discover Financial Services and was told that the inquires would be removed. The inquiries have not yet been removed.
Company Response:
State: NY
Zip: 11232
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: UNAUTHORIZED CHARGE ON XX/XX/23 FOR {$5700.00} AND DISCOVER IS NOT ASSISTING ON THIS FRAUD CHARGE- I CALLED THEIR CUSTOMER SERVICE AND FRAUD DEPARTMENT AND GET THE RUN AROUND- HAVE BEEN HUNG UP ON 4 TIMES- I NEED THIS RESOLVED NOW.
Company Response:
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX XXXX I apply for Discover secured card for amount {$1000.00} after submitting application The company Discover sent email requesting I sign IRS consent form 4506-C which I completed the IRS form and submitted it. I followed up with Discover and was informed that I was denied for unable to verify my identity. I do not understand the process of verification but my identity is not the problem. I feel discriminated and understand my rights to fair credit.
Company Response:
State: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I believe I've been a Discover customer for more than 30 years. Discover has a history of aggressively promoting 0 % or low rate balance transfers to me. I accepted many of them solely to take advantage of LOW interest rates. I have no recollection of ever knowingly accepting a cash advance ... which tends to have HIGH fees and interest rates ( which would be the exact opposite of my intentions with balance transfers ). All factors otherwise being equal, I wouldn't knowingly agree to allowing a high interest rate cash advance to remain outstanding for an extended time as I have multiple available credit facilities with low interest rates. On or about XX/XX/XXXX ( during the Covid epidemic ), I accepted the terms of a Discover balance transfer promotion by visiting the website and providing balance transfer details for {$990.00}. I believe it was my intention to transfer the balance of my XXXX XXXX XXXX that is otherwise paid from my XXXX checking account. As I have told Discover numerous times, I don't recall ever seeing any notification of a cash advance being marketed nor do I recall ever seeing XXXX XXXX XXXXXXXX or disclosure information regarding a cash advance ... which would have been a warning sign to me that I was applying for the wrong product. I notified Discover more than 10 times ( and advised more than 20 staff ) that the balance transfer was mistakenly categorised as a cash advance. Discover recurrently acknowledged my complaint, said it was being investigated and temporary credits were being issued. I assumed this meant the matter was resolved and the balance transfer was duly recorded. Years later, Discover has said a number of troubling or conflicting things, ie the balance transfer ( accruing interest at 28.99 % ) was a promotion that expired ( despite no notification to me on application ) and is therefore a cash advance, the balance transfer destination invalidated the promotion offer ( despite no notification to me ), the temporary credits were not an indication the matter was resolved ( despite no timely notification to the contrary ), my payments over the past few years have been applied to the lower interest rate balance on my account and not the higher interest rate balance transfer / cash advance, there is no record of my application for the balance transfer promotion, I didn't apply for a financial product, Discover staff don't know if it's regulated or by which agency, there is no further internal appeal process, there is no Compliance department I can speak with, there is no external regulator I can contact for assistance, etc. Never has a Discover staff member offered me the opportunity to pay-off the Balance Transfer / Cash Advance and reverse the penalty interest charges, During a recent call, the Discover staff member seemed confused about how to do this. XXXX XXXX, I contacted Discover XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe Discover has no idea what promotion they offered me and I applied for ( including associated XXXX XXXX XXXX and disclosures ). Moreover, they seem to have a predatory attitude towards the apparent lack of transparency when enticing me to benefit from a low interest rate when I fact I received an exceptionally high interest rate for the same advance amount to the same institution. Additionally, the apparent lack of accountability of customer support and supervisory staff requires me to recurrently call and check on the progress of my complaint... while Discover continues to earn above market returns that are not reflective of the promoted offer. Given the volume of my contact points, I can only assume this is intentional or negligently unintentional. Lastly, Discover customer support and supervisory staff seem to have no idea that they are regulated.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
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 purchased curtains from XXXX XXXX XXXX XXXX XXXX XXXX. Immediately upon opening curtains which cost {$65.00} I noticed they were defective, one was much longer in length. I have photos and still have the product. I immediately went to the store to return, due to the bankruptcy of the store the manager could not refund. She told me to contact XXXX since they were the manufacturer- which I did. They said though their name is on the product the manufacturer is XXXX XXXX XXXX. I asked the manager what to do and she told me to put in a dispute. I also uploaded my conversation trying to return the product and them telling me to return it to the store, which I could not do! I lost my dispute and Discover attached XXXX XXXX XXXX XXXX return policy ( stating I can just return in store within 30 days )- which is not valid. If you contact XXXX, which is XXXX XXXX XXXX XXXX they state the date they stopped accepting returns- which is the only reason Discover has given me for losing my dispute and it has no validity. Please have them verify the actual policy by contacting that number. I reached out to the executive team and they are still stating I can return it to stores still. If you call any store in the US they are not accepting returns. Though it is a small amount, I want my money back and I do not care about keeping this product as it is defective and I cant use.
Company Response:
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A