Date Received: 2023-07-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have tried to work with Discover for months but unfortunately the information that I provided is all I have. They requested information about my IRS and want to play games with my account because I choose to Bank with an online bank. XXXX XXXX is the Card I use XXXX XXXX XXXX building credit. Your account protection service needs to bring the account to the Office of The Presidents for approval.
Company Response:
State: FL
Zip: 33928
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Discover Financial Services Credit Card Department XXXX XXXX XXXX XXXX, DE XXXX Reference Number : XXXX Subject : Opportunity to Cure - Credit Application and Compliance Violations Dear Sir/Madam, I am writing this letter to bring to your attention certain concerns regarding my recent credit application with Discover Financial Services. I believe there are several compliance violations that require immediate attention and resolution. I am also making you aware of certain legal considerations that pertain to the credit application process. Firstly, I would like to emphasize that a credit application is a form of self-liquidating paper that serves as legal tender. It is essential to acknowledge the value and significance of this document, as it represents a contractual agreement between the applicant and the credit issuer. Furthermore, it has come to my attention that the social security number provided in the credit application is considered a credit card in and of itself. This understanding is crucial in ensuring compliance with relevant regulations and safeguarding the rights and privacy of individuals. Regrettably, I believe that Discover Financial Services may be in violation of multiple Code of Federal Regulations ( XXXX ) violations and potentially engaging in security fraud. It appears that XXXX has willfully failed to comply with these regulations, which raises concerns about the integrity and legality of its operations. In light of the aforementioned violations, I wish to inform you that Discover Financial Services is now in agreement with the terms and conditions set forth by XXXX XXXX XXXX. As per the schedule fee outlined by XXXX XXXX XXXX, XXXX is required to take immediate action to approve my credit application within a period of 10 days. I kindly request that upon approval, the credit card provided reflects an open-ended status, ensuring maximum flexibility and utility for my financial needs. It is imperative that Discover Financial Services takes prompt action to rectify these issues and comply with all relevant regulations and agreements. Please consider this letter as an opportunity to cure the aforementioned violations and rectify the situation within the specified timeframe. Failure to comply with this request may result in further legal action to protect my rights as a consumer. I look forward to a prompt resolution to this matter. Should you require any additional information or clarification, please do not hesitate to contact me at the provided contact details. Thank you for your attention to this matter.
Company Response:
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The company that I owed him is Discover Bank and he sent me a 1099-C where he explained that with this document the debt would be settled.
Company Response:
State: NE
Zip: 68601
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Inaccuracies on credit report due to identify theft
Company Response:
State: CO
Zip: 800XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover bank closed my account with out due diligence. They have sent a response to an initial complaint, stating that this balance will remain of XXXX until XXXX reporting on my credit account inaccurately. I was never late on a payment and I am still getting unsolicited emails about this account and paying a minimum balance, althrough Discover has claimed to have closed this account and disputed my claim with no solution. I was never late on a payment and in good standings so again I am more than sure that this is out of compliance in several ways especially in regards to the fair credit reporting laws and to the compliance of a creditor to provide me with time to complete the identity verification, as I had an authorized user who was getting the information instead of me.
Company Response:
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I am a savings acct customer with Discover bank. Tried to open a CD and move funds from discover savings to a Discover CD. The online process is horrible and requires multiple phone calls and still no account set up. I also called the FDIC complaint line an was told by staff ONLINE BANKING is the worst. Please fix the mess. A known acct customer and my background is well known by the bank. why the constant run around? Sure they pick up the phone but never get the issue resolved. Be aware banking online not as simple as it should be.
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Discover Card has lowered my limit thus having my utilization rate percentage go up and is killing my credit score. I have never been late with a payment or never paid a minimum payment. I was not warned or given any explanation for this.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: DISCOVER acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. DISCOVER BANK CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO DISCOVER CARD AND XXXX, XXXX, XXXX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! DISCOVER IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD!
Company Response:
State: NY
Zip: 11224
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX I ordered XXXX item, a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX and charged the stated cost of {$39.00} to my Discover Card. After providing my credit card information, the confirmation page did not state the item ordered or the charges. The lack of details about the order concerned me. XX/XX/2023 The same evening I placed the order, I received an email from the company, stating that I ordered XXXX items and my credit card was charged {$250.00}. I immediately called the company number to report the error. This was a Friday evening and I was unable to reach anyone ; the recorded message stated hours of operation, Monday through Friday. XX/XX/2023 I notified the company via email of the incorrect charges and that I did not order the items. XX/XX/2023 I sent a second email to the company that I did not order the items. XX/XX/2023 XXXX about the fraudulent charges, I immediately froze my Discover account. I contacted Discover and explained the problem. Discover agent told me to call the company when they open on Monday and try to resolve the issue. XX/XX/2023 I attempted to speak with someone at the company to report the problem. Each time I called, the call was disconnected. I sent another email to the company. I also called Discover and updated the agent. Charges were pending on my Discover account. At this time, I disputed the charges when speaking with Discover. I also cancelled my credit card to avoid additional fraudulent charges. A new card was issued. XX/XX/2023 I received an email from the company that the order was shipped to me. This time when I called a different number I found online, a person answered the call and I explained the problem and that I did not want the company to send the products which I had not ordered. I also replied via email to the message and notified Discover. XX/XX/2023 I sent another email to the company stating my concerns about the fraudulent charges. The package arrived around XX/XX/2023. I immediately notified Discover. The agent told me to bring the package to the XXXX XXXX to return it, and obtain a receipt from the XXXX XXXX. I contacted the company and explained that I wanted to return the unopened package. The person I spoke with refused to provide an address for me to return the package. She said it was not returnable because I was disputing the charges. I again called Discover to update them with this information. XX/XX/2023 The company sent an email message that I can not return the package and my case is closed because I reported the fraudulent charges to Discover. XX/XX/2023 XXXX, I responded to the company and explained I made multiple efforts to cancel the order, including within hours of receipt of the fraudulent transactions. I attempted to return the unopened package but the company refused to provide an address to return the items and stated in emails that it was not returnable due to the dispute. I updated Discover via phone calls with each contact with the company to resolve the problem. I provided Discover with copies of all email communication with the company. Discover did not investigate the fraudulent charges. I had disputed the unauthorized charges immediately, before they were even pending on my acct. Discover told me they closed my disputes of the transactions simply because the company refused to issue a refund. I was not protected against fraud by Discover.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Between XXXX and XXXX Someone at XXXXXXXX XXXX hacked into this credit card account DISCOVER BANK : XXXX and XXXX and transferred money to their accounts! I informed them that I did and authorize these transfers. They would not so I closed these accounts in XXXX of XXXX over 7 years ago. It still is showing up on my credit reports!!! Also XXXXXXXX XXXX in hacking into my accounts again!!!!
Company Response:
State: MI
Zip: 48220
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A