Date Received: 2024-01-03
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: post XXXX XXXX {$1300.00}. I requested two disputes to discover since a company that will recover money turned out to be a fraud, after disputing both transfers I proceed to upload the information about the fraud, in the first dispute, discover rules in my favor, in the second, it says that the company is right and that to get my money back the company had to return it for them to return the money to me, After asking for information, when the letter arrives he states that the following and quoted " My friend had him send the money to me, then I forwarded the money to my friend. So I never kept the money '' for discover is reason enough not to refund my money, even though on their page they have a promotion of XXXX fraud and in my case they did not help me at all even though I sent them all relevant and non-relevant information. Even the company shut down its social media and website, the name is XXXX XXXX but for discover it's not reason enough to reason enough to protect customers.
Company Response:
State: PR
Zip: 00949
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Discover Bank is reporting a late on my credit file that needs to be removed. I have had an account with them for a very long time and have been a loyal customer. Recently I logged in to check my credit and noticed Discover put a late notation on my credit?! I have never ever been late with them. The funds were available but never did I receive a statement in the mail or a call that I was past due I found out on my own.
Company Response:
State: UT
Zip: 84003
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My ex wife had this card and some how it ended up on my credit this card is not my card. I never signed or authorized this card.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Discover Bank Im writing to exercise my right to opt out of the sharing of my nonpublic personal information with non-affiliated third parties, as granted by the Gramm-Leach-Bliley Act ( GLBA ). Specifically, I request that you do not share my personal information, including my credit card numbers, account balances, and transaction history, with any non-affiliated third parties, including marketing companies or credit reporting agencies. I also dispute any inaccuracies in my credit report and request a copy of my credit score and the method used to calculate it. Please be aware that the consumer reporting agency is a non-affiliated party and therefore I request that you remove my personal information from their records immediately, account number ( XXXX ) Failure to do so will result in legal action taken against your company. I expect a written confirmation of my opt-out request and a correction of any inaccuracies in my credit report within XXXX days, as required by the GLBA
Company Response:
State: FL
Zip: 33844
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am not the one who opened up this account, I am dealing with identity theft I never lived at the address on file, the phone number is not my phone number
Company Response:
State: PA
Zip: 165XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Unfortunately, I do not have exact amount and online payment history is limited to just the past three years. Throughout the years of repaying Discover Student Loans, I had various unexpected costs that occurred that prevented me to pay Discover Student Loans. Whenever I would call to make arrangements, I was always presented with pay in full or utilize one of their several entrapping forbearance or payment pause solutions. My student loan payments with Discover started around the upper {$500.00} to low {$600.00} range and now increased to nearly {$1200.00} per month. After a few financial situations throughout the years when I would contact Discover for relief, I figured it out that their plans hurt me long term more than help. But trying to increase and/or preserve my credit score, I would obliged to Discover 's entrapping solutions. Nearly each time I would discuss matters with Discover, representatives would pepper me with questions regarding my student loans with other companies and would advise me to discuss relief with my other providers rather than Discover discuss my loans as my bill with Discover was three to four times more than my other loan providers and is now currently six times more. When I would advise Discover my other loans were manageable and that Discovers loans were most troubling, Discover representatives would attempt to direct me to my Federal student loan provider. Again, when I advise my Federal loans payments are my lowest payments and most manageable, Discover representatives would then discuss ways to " help '' me. Per usual, the help was either pay in full or utilized one of their forms of forbearance. When I would ask is there any other method that decreased payments while also preserving the credit score I was attempting to rebuild, I would be told no. I further questioned if I am having difficulties paying the amount owed at the time and monthly payments would increase once the program ended in a few months, how does it help overall. Of course they advised of the immediate " benefit '' but would be told those are the only options. Fast forward years later of attempting to stay afloat, I find myself in dire financial straits and owing nearly $ XXXX month and exhausting every money option to stay afloat. Discover Student Loans should be held accountable for their predatory practice.
Company Response:
State: IA
Zip: 52806
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am writing to file a formal complaint against Discover Financial Services regarding a dispute I raised concerning inaccuracies in reporting associated with my account, specifically with the account number XXXX. On XX/XX/2023, I mailed a letter challenging the inaccuracies in reporting associated with the mentioned account. As of today 's date, I have not received any response from Discover within the XXXX timeframe as required by law. I am enclosing a copy of the letter that was sent to Discover, which serves as proof of my attempt to rectify these inaccuracies.
Company Response:
State: VA
Zip: 20147
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I contacted discover to tell them the account opened is not mine. They have now updated my credit report with some XXXX cell phone number that is not mine. The only phone number that should be to my name is XXXX with the name XXXX XXXX XXXX. Nothing else. And the address should only be XXXX XXXX XXXX XXXX All others are fraudulent and my information has been stolen. Why would I report accounts I owe nothing on!!! Think about it!!! Its fraud, please update the 2 accounts I flagged that are not mine and the phone number.
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I paid Discover Personal Loans XXXX on XX/XX/2023. Also, I was reassured that a discover personal loans representative would be able to make payment plan or some arrangements with me regarding the amount due. On XX/XX/2023, I attempted to call Discover and the personal loans representative did not make any attempt or arrangements to assist me with this account. However, they are using tactics to trick me and con me out of money I don't have. This company has not provided any assistance in resolving the past due or payment of this account. They just keep lying and telling me to call them ; however, they do not have any plans on reduction the interest rate or amount due. In fact, if they would settle and remove the extremely high interest from the amount due, I would not owe them anything.
Company Response:
State: TX
Zip: 78109
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contacted these companies that are furnisher incorrect information on my credit report. I contacted them based on my consumer laws and let them know this information is inaccurate. I requested varication and they did not provide anything other than just saying they verified my information, If they verified my information I request the verification that is required under consumer law but they will not abide. XXXX of these companies requested my social security number in which I will not reveal to someone I do not know. Why are they requesting my information when I sent them a letters with the accounts number that is inaccurate from their company.
Company Response:
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A