Date Received: 2023-07-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I set up direct pay with Discover in their app and theyre not withdrawing my funds as a payment.
Company Response:
State: CA
Zip: 94404
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This afternoon, I tried to use my discover card at XXXX but it was declined. Soon after, i checked my account and was charged twice ( {$60.00} each time ) for the declined transaction. After speaking to with discover customer service, they informed me that discover cards currently could not be used in chip reader or swipe readers in stores *anywhere. * On the call, they said both transactions would be removed from my card. While i am happy that the charges will be removed, i should have been notified by the company about the issue. Since they were aware that their cards were not able to be used in stores, consumers should have been notified when they became aware of the problem.
Company Response:
State: NY
Zip: 12306
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/ I attempted to pay the balance of {$8600.00} due on my Discover It credit card. I used the blank check provided on the bottom of the statement, detached it as instructed on the statement, and mailed it to the address provided by and instructed by Discover along with my tender ( letter of instructions for Discover so they knew what to do with the payment ). In addition to the payment and tender enclosed in a secure envelope, I provided a printed copy of Federal Reserve Act Section 16, 2. - which notifies Discover of my right to provide a tender along with my payment. Again, the above letter was mailed directly to their billing department. In addition to the secure envelope and its contents described above, I sent a second letter on XX/XX/ directly to Discover headquarters addressed to their CFO, XXXX XXXX XXXX. This letter included the following : A copy of the same payment sent to the billing department. A copy of the same tender ( letter of instructions ) sent to the billing department. A copy of Federal Reserve Act Section 16, 2. sent to the billing department. And a copy of a notarized California Durable Power of Attorney. Each secure envelope described above ( 2 ) was sent certified mail with a certificate of service ( PS form 3811 ) through United States Postal Service. Both of those envelopes were delivered and signed for on behalf of the Discover billing department and by agent on behalf of XXXX XXXX XXXX, XXXX. I know this because I have the signed certificates of services from both envelopes in my possession. In my tender, I instructed the CFO, XXXX XXXX XXXX to communicate in writing within XXXX business days once the payment was applied. Not only did XXXX XXXX XXXX XXXX and the billing department fail to respond in writing within XXXX business days ; they completely ignored me ( the owner of the account ) and they failed to apply the payment which was sent to them. On XX/XX/2023 I attempted to pay the {$8600.00} due for a second time by sending a secure envelope, sent by certified mail with a certificate of service with the same contents described above inside of the envelope sent to the billing department. This time, I included a printed copy of Federal Reserve XXXX XXXX XXXX. XXXX XXXX XXXX, attempting to notify Discover that they are officially in violation of ( b ) Second Tier - breach of contract to perform any fiduciary duty as stated in Section XXXX. OnXX/XX/XXXXanother secure envelope with the same contents sent to XXXX, XXXX XXXX XXXX XXXX was again sent certified mail with a certificate of service. This time, I did not include the Power of Attorney as XXXX XXXX XXXX XXXX is already in possession of the first copy I sent. Instead, I included a copy of Federal Reserve XXXX XXXX XXXX. XXXX XXXX XXXX, attempting to also notify XXXX XXXX XXXX XXXX that he is in breach of contract for failure to perform fiduciary duties. In addition, I highlighted that the breach was part of a pattern of misconduct as he failed to respond to my first letter of instructions. The second set of letters described above, were sent and delivered as I am in possession of both signed certificates of service proving Discover billing department and the CFO received my second attempt to pay. Once again, XXXX, XXXX XXXX XXXX XXXX and the billing department failed to respond in writing ( completely ignored me for a second time ) within XXXX business and they failed to apply the payment for the second time. On XX/XX/XXXX, I requested a copy of my Discover Card Member Agreement, which I did not initially receive when I first received the plastic credit card. I now have this agreement in my possession. OnXX/XX/XXXX I made a third and final attempt to pay the {$8600.00} due on my Discover It credit card. I followed the same procedure described in my first and second attempts to pay. Again, I used certified mail with certificates of service for each instrument of communication sent to the same persons - the Discover billing department and directly to the Chief Financial XXXX - XXXX XXXX XXXX XXXX. The only difference of the contents of the secure envelopes sent for my third attempt to pay was, I highlighted ( c ) Third Tier of The Federal Reserve XXXX XXXX XXXX. XXXX XXXX XXXX, attempting to notify Discover billing department and CFO XXXX XXXX XXXX XXXX that this third and final attempt is a " Notice of Default - Breach of Contract ''. It is now XX/XX/XXXX, and I have yet to receive a response to my third attempt to pay, a phone call or any communication whatsoever from Discover billing department or CFO, XXXX XXXX XXXX XXXX. On page 3 of the Discover Cardmember Agreement, it states verbatim, " This Agreement is governed by applicable federal law and by Delaware law. ''
Company Response:
State: CA
Zip: 940XX
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: on XX/XX/2021 charges were made on my discover credit card that were fraud. In an amount of about {$7500.00} before any other fees they added. My properties was stolen and used without my knowledge and authorization. I lost my Discover credit card, XXXX credit card, Td bank credit card, as well as my phone and i.d . Charges were made on all cards. Discover card did not protect me when i contacted them to let them know that fraud had happen on this account and by law i am aware that XXXX not to be held responsible for anything without my agreement and im to be protected. i notified the police and have the report number here ( XXXX ) I sent this to discover as well and nothing was done. They claim that the charges was valid without validating them. Someone stole my identity and used my charge cards.
Company Response:
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a balance transfer request which was to transfer a balance from a credit card at XXXX XXXX ( account now closed ) to Discover. I believe there was a typographical error in the number I typed however I called to try and resolve this many times over several months, as the balance was applied to my discover card yet not applied to my XXXX XXXX account. I obtained a copy of the processed check that Discover sent to XXXX XXXX in my name and emailed this in under their dispute resolution process on the app, however it was declined with no reason provided.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: My finances became limited, inflation didn't help so I'm having my debt consolidated with XXXX XXXX XXXX. Discover card won't quit calling me and my employer.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Over the last year I have been dealing with an unauthorized inquiry from DISCOVER FINANCIAL. Reporting an unauthorized inquiry. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house hold purposes. The inaccurate reporting have damaged my livelihood. I contacted DISCOVER, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. They admitted on there recorded phone line that I XXXX XXXX never had a application nor an account with DISCOVER FINANCIAL SERVICES. I also contacted XXXX, XXXX, and XXXX. Which each company placed blame on the other and advised me to call the CREDITOR and call the CREDIT BUREAU. Call the CREDIT BUREAU call the CREDITOR. It became very immature and aggravating. I was not able to get any sufficient answers nor any resolution. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. According to 15 U.S. Code 1681s2, XXXX XXXX has a duty to provide accurate information to the consumer reporting agencies. It is prohibited by law to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Notice discovery has been running credit inquires every month and every week since the year 2022. I never have or applied for a discovery credit card. I called discovery they said no open account is open on their end. They ran my social to confirm. They inform me to contact you guys.
Company Response:
State: CA
Zip: 91791
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am not liable for any of th accounts listed I do not have contracts with these companies and they did not provide me with original contracts as I requested I reported them as fraud it is way over 30 days since last contacting them below are the companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 19027
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ca, XXXX XXXX XXXX Consumer Financial Protection Bureau Subject : Complaint against Discover Credit Card Dear CFPB I am writing to lodge a formal complaint against Discover Credit Card concerning the unjust rulings on three separate merchant disputes I have filed. I believe Discover 's decisions on these disputes have violated my rights under the Fair Credit Billing Act and have caused significant financial loss and damage to my credit score. Under the Fair Credit Billing Act, I am entitled to protection against unauthorized charges and the right to dispute billing errors, ensuring fair treatment from my credit card issuer. However, in the cases outlined below, Discover Credit Card has failed to uphold these rights : 1. Case of Dispute Date XX/XX/XXXX - Expedia.com : On this date, I filed a dispute against a charge of {$1400.00} made at XXXX. I booked a two-night hotel stay in XXXX, XXXX, but was denied entry to the hotel due to the ongoing unrest in the region. Despite my repeated attempts to contact XXXX and resolve the issue, I was unsuccessful. Consequently, I filed a dispute with Discover. On XX/XX/XXXX, Discover denied my dispute, claiming the charge was valid. I clearly indicated that the dispute was not regarding the validity of the charge, but rather the lack of service received. 2. Case of Dispute Date XX/XX/XXXX - Bloomingdales : I filed a dispute regarding an in-store purchase made at XXXX. I specifically requested the purchased perfume to be delivered to my home address. Unfortunately, the package was never delivered to me, and it appears to have been lost or stolen. Discover 's response on XX/XX/XXXX alleged that I made the purchase in-store, which is untrue. I ordered the item for home delivery due to its unavailability in-store. 3. Case of Dispute Date XX/XX/XXXX - XXXX : Similarly, I filed a dispute on XX/XX/XXXX concerning a purchase made from XXXX. Once again, the package failed to reach me and was either lost or stolen. Discover 's response on XX/XX/XXXX claimed that the charge was valid, without providing any evidence to support this decision. These unfair rulings have not only resulted in substantial financial loss but have also caused my credit card balance to exceed its limit by {$3000.00}. As a result, my XXXX credit score has suffered, and I have incurred significant interest charges. Discover 's disregard for the Fair Credit Billing Act has had a detrimental impact on my financial well-being. I kindly request that you review my case in light of the Fair Credit Billing Act and take appropriate action against Discover Credit Card for their infringement of my rights. Enclosed with this letter, please find copies of all relevant documentation, including original receipts, the dispute forms submitted to Discover, and their responses. I believe these materials will aid in your understanding of the gravity of the situation and the urgent need for a fair resolution. I sincerely appreciate your prompt attention to this matter and trust that you will take the necessary steps to rectify Discover Credit Card 's unfair treatment and restore faith in the consumer protection system. Should you require any further information or documentation, please do not hesitate to contact me using the details provided above. Thank you for your time and consideration. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A