Date Received: 2023-07-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The company closed my account with any knowledge and claims they have the right and this is a business decisions. There is no fraud and this is a material false representation that the company has engaged in and completely discrimated against.
Company Response:
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Unknown person/persons impersonating my identity. Deposit was made mid to late XXXX. Discover closed my account ending in XXXX due to overdrawn fees. Overdrawn fees were an action of Fraud and Ive been advised by XXXX to report a compromise of identity.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My divorce was just recently final and I was in a very toxic, abusive marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The XXXX credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?
Company Response:
State: OH
Zip: 44266
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
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 used my Discover card to purchase a graduation trip for my daughter and myself with a tour company called XXXX XXXX XXXX ; a XXXX XXXX based travel company- Company Number- XXXX ZBN : XXXX, that offered all inclusive, guided tour vacations. I paid for a year for this trip from XX/XX/XXXX until XX/XX/XXXX with 24 payments ( 2 payments of {$120.00} each month charged to my Discover card for my trip fee and my daughter 's trip fee ) over 12 months, for a total of {$3000.00}. After delaying travel and forcing customers to reschedule tours ( while still selling additional tours ), XXXX XXXX XXXX closed its door to future trading and declared insolvency as of XX/XX/XXXX. As such, it has left many people, including myself, out of pocket for payments made for future travel with them in XXXX and XXXX. Some payments were made before XXXX, but due to the pandemic, initially scheduled trips for XXXX and XXXX were pushed back and rescheduled for travel the following years. After the pandemic, the company continued to cancel trips scheduled and move dates right up until XX/XX/XXXX, when they announced they were closing. This company even sent me an invoice for further travel expenses for my XXXX XXXX trip on XX/XX/XXXX. I immediately filed a dispute with Discover after being denied a refund from the travel company. I submitted my documentation which shows that my trip was rescheduled three times, as well as showing that the company refused my refund after having to reschedule the trip the second time. I was denied a refund based on their response that tour guidelines were that there were no refunds... which is ridiculous, as I would have happily taken the trip. I paid those 24 payments in good faith, having no reason to believe the company would cease trading when I made them, and I fully expected to make the trip. If one wanted to be literal about it, I DID meet the return policy criteria and should have been refunded by the company, as I will obviously NOT be able to travel with them, due to XXXX, as they stated. Additionally, the first liquidation report was just released in XX/XX/XXXX, and they state that XXXX XXXX XXXX actually lost millions of it's customers dollars due to trading in cryptocurrency. This is just further proof that this company defrauded customers. I escalated the dispute in XXXX of XXXX, and heard nothing back from the company beyond that my dispute was closed and I would not be refunded. I follow a XXXX group solely for customers defrauded by this company and have been aware that MANY complainants have been refunded by their credit card companies and banks. Discover should also act in good faith and refund my money lost to this company. This complaint is my last option to get my {$3000.00} back. Please help! XXXX XXXX
Company Response:
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: After struggling for years to pay off a credit card with Discover, I called to discuss options regarding interest. The interest rate is so high ( 28 % ), that all of the money paid each month went directly to Discover, not my principal. I have paid back the amount I borrowed several times over, but my balance continues to grow because of the interest. After multiple calls to Discover, my lawyer had to help with discussions. On XX/XX/XXXX, they eventually offered to allow me to pay 70 % of the balance with XXXX interest if it was paid within 3 months. This would be XXXX for me. I declined as I didn't have the money for a large lump sum. I later found the means to pay this amount. My lawyer called Discover on my behalf to accept the proposed deal after the XXXX of XXXX holiday, as the department needed was closed each day for the rest of XXXX. When my lawyer spoke to them, he was told to submit paperwork, and wait 5 business days to call back once the files were on my account. He called back XX/XX/XXXX and they refused to honor the agreement made claiming that was a XXXX offer and was no longer available. They would rather I file bankruptcy, go to collections, or presue legal action against me etc, then resolve this debt. Their customer service is atrocious. It has been a constant run around. Each representative, supervisor, and lawyer, I have spoken to has had a different story. No notes were taken in my account for any of the many calls made over the past 2 weeks. My lawyer has requested the recorded call be pulled and reviewed from the original offer. They have refused.
Company Response:
State: AR
Zip: 71913
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Account is paid in full and I have 8 months of missed payments when I paid bill. Please remove missed payments
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Loan are up to date for the past 11 months and credit reports shows 90 day past so and affixing my FICA score and ability to refinance the loans
Company Response:
State: NY
Zip: 11783
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Re : Discover Bank : Account # XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against XXXX, one of the major credit reporting agencies, regarding their inaccurate reporting and refusal to remove an account from my credit report. Background : For several months, I have been diligently corresponding with XXXX to rectify an issue with the reporting of an account on my credit report. Despite my repeated attempts to dispute the accuracy of the reported information, XXXX has consistently refused to remove the account, which is now impacting my creditworthiness and financial standing. Details of the Complaint : Inaccurate Reporting : XXXX has continued to report the account 's payment history as being in collection every month, even though the account has been closed. The account 's payment history should not have been reported further after the account closed. This inaccurate reporting misrepresents my creditworthiness and financial situation, potentially affecting my ability to secure loans, obtain favorable interest rates, or engage in other financial transactions. Failure to Correct Inaccuracies : Despite my best efforts to provide evidence and supporting documentation proving the closure of the account, XXXX has neglected to take appropriate action to remove the inaccurate reporting. This refusal to address the issue is in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and up-to-date information. Adverse Impact on Creditworthiness : The continued reporting of the account as being in collection has had a significant negative impact on my creditworthiness. I have experienced numerous adverse consequences, including difficulties in obtaining credit, securing favorable terms on loans, and facing higher interest rates. These actions have continued despite me providing proof from Discover themselves that the account had been closed and should not be reported as a collection account each month.
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: On or around XX/XX/2023, Discover violated the FCRA by adding a FALSE negative remark on my credit report which caused each of the credit bureaus to lower my credit score by XXXX points!!! This was in retaliation for me disputing an inaccurate credit balance on my accounts with Discover. I have been diligently paying off my credit cards in an effort to buy a house and Discovers actions ( false reporting ) has snatched this opportunity away from me temporarily. I believe Discover intentionally put the remark on my report to decrease my chances of getting a XXXX INTEREST CARD to transfer my Discover balances to the new card.
Company Response:
State: MD
Zip: 20716
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Other transaction problem
Subissue:
Consumer Complaint: I am writing to file a formal complaint against Discover regarding a recent experience involving two failed Automated Clearing House ( ACH ) transactions and the subsequent challenges in retrieving the funds. I am seeking your assistance in facilitating a resolution and the return of my funds. The details of the events are as follows : On XX/XX/XXXX, I initiated two ACH transactions, each for {$20000.00} and {$30000.00}, from my Discover savings account to two joint XXXX CD accounts held by my wife and me. Regrettably, on XX/XX/XXXX, we received notifications from XXXX XXXX stating that both transactions had failed. Naturally, we anticipated that the funds would be promptly credited back to my Discover savings account. However, to our dismay, the funds did not reappear even after several days had passed. Upon contacting XXXX XXXX for clarification, I was informed that due to the joint CD accounts being associated with my wife 's profile, only she was authorized to make deposits into them. Consequently, my funds were rejected for deposit. XXXX XXXX attempted to return the funds ; however, their policy prohibited them from doing so, as I, being the sender, did not match the intended receivers ( my wife and me ). They advised me to contact Discover and request an ACH return accordingly. Taking their advice, I promptly reached out to Discover and initiated a dispute regarding the failed ACH transactions. To my disappointment, after conducting their investigation, Discover concluded that the ACH transactions were successful and asserted that they had no grounds to request an ACH return. I relayed this information to XXXX XXXX, but they remained firm in their stance that only Discover could initiate the ACH return. Despite numerous attempts to resolve the matter with both Discover and XXXX XXXX, neither party has been able to provide a satisfactory resolution. This ordeal has left me in an immensely frustrating situation where my funds remain trapped between the two institutions, with neither party accepting responsibility or offering a viable solution. To address this issue comprehensively, I have filed a separate complaint against XXXX XXXX through the Consumer Financial Protection Bureau ( CFPB ). Following their investigation, XXXX XXXX informed me that my funds are currently being held by XXXX, reinforcing the need for Discover to facilitate their return. Consequently, I am now seeking the CFPB 's assistance once again, this time to help facilitate a resolution from the Discover side and ensure the prompt return of my funds. For your reference, I have attached the following supporting documents : 1. XXXX XXXX XXXX response to the issue 2. The email notifications received regarding the failure of the ACH transactions 3. My Discover account statement illustrating the two transactions I kindly request your attention and intervention in this matter to help rectify the situation swiftly. I am hopeful that your involvement will bring clarity to the responsibility for the funds ' retrieval and lead to a satisfactory resolution.
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A