Date Received: 2023-07-09
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 an item that was not delivered, contacted both the merchants and my credict card company to resolve the issue. The problem of the order was that it was not delivered and the order was an expensive amount that I did not even give a signature to. I tried resolving this issue with the merchant first, then my credit card company with disputes but the resolution was not in my favor even though I have literally no other way to prove that it was not delivered, there was no signature for the package. The price of the package was {$1000.00}, the merchant was XXXX XXXX XXXX
Company Response:
State: MN
Zip: 55109
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Discover won't get my account back
Company Response:
State: GA
Zip: 30040
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
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: On XX/XX/XXXX, I contacted Discover Card 's dispute department asking that they reverse 3 payments I made to XXXX XXXX in XXXX and XXXX of XXXX explaining that the company strung me along for over a year never providing the service I paid for, which was helping me amend XXXX tax filings to lower my debt. Multiple " case managers '' had come and gone and I couldn't get any help at XXXX with a refund. Discover instantly reversed the amounts that day ( {$1700.00}, {$1700.00}, and {$590.00} ) on XX/XX/XXXX and said they'd open an investigation. Then in early XXXX Discover reversed the amounts back! When I called to ask why they said that XXXX never responded to them ( as expected ) and I hadnt provided documention. I have since provided Discover a summary of what XXXX put me though, along documentation of emails showing how nothing was ever accomplished only to have them tell me the charges are valid. I've also called multiple times and spoken to half a dozen people in their dispute department who agree that I was swindled and express sympathy only to recieve form letters and emails from Discover refusing to reverse the charges, saying they decided they are valid. I truly don't understand. I am Discover 's customer but they don't want to help me. It's a lot of money and XXXX absolutely did not provide the service promised. I ended up tapping my XXXX to settle my debt. I feel cheated by both companies. It's extremely disheartening and has cost me a great deal.
Company Response:
State: CA
Zip: 94578
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Dear Discover Customer Advocacy Team, Re. Case Number : XXXX I write in response to your correspondence received from the XXXX Executive Office of Customer Advocacy regarding my Consumer Financial Protection Bureau ( CFPB ) complaint. Thank you for your attention to this matter ; however, I believe further clarification is necessary. With respect to your response dated XX/XX/, understanding your reference to an unchanged previously reported account history, my initial complaint raised specific concerns under the terms of 12 U.S. Code 83 and 15 U.S. Code 44. I had requested for documentary evidence connected to my account ending in XXXX, including certain documents, correspondence, financial and corporate records pertaining to my account. I appreciate that you have provided a contact for your Customer Assistance and Recovery department. However, this does not entirely satiate my request for proof of the original instrument of indebtedness which I am entitled to receive according to 12 U.S. Code 83. Additionally, I require a clear understanding of the funding of the account and an account payable-receivable breakdown from the date of the opening of the account as outlined in IRS Publication 583, also referred to as the XXXX. Your previous response didn't appear to adequately address these assertions, and I am still desirous of resolution. I submit this reinforcement of my initial complaint with the hope that we can address this matter collectively, providing me with the aforementioned documentation and assurance that my debt will be settled upon receipt of the full payment amount detailed in my initial complaint. I understand that these are unusual requests but please understand that they are made with respect to the Law and my rights as a customer.
Company Response:
State: MN
Zip: 55369
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On XX/XX/2023, I made a purchase for an airline ticket. I then saw a charge to my card in the amount of {$240.00} that I did not authorize as that was not the cost of the ticket. I immediately reached out via chat as that is the only option. I was advised that it would be escalated for a refund as the agent could not tell what the charge was from. I waited XXXX weeks and then contacted the credit card company to ask them if there had been any credits and they advised me that there had not been any. I chatted again with Frontier and they left me waiting for an agent and had no response. I reached out via XXXX and never got a reply. Today on XX/XX/2023, I received a notice in the mail from XXXX XXXX that they concluded their investigation and have received enough information and I was responsible for the charges. They sent over XXXX pages showing the flight itinerary, however, there is no breakdown of anything as that was not the flight cost. There are no flights that cost that much for that destination. I can not afford to pay for something that I do not have and did not do. I need help resolving this as no one seems willing to help me. Frontier practices are unfair. They are nonresponsive and should not be allowed to overcharge for things or take money from people without permission.
Company Response:
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX XXXX I ordered a printer through the XXXX website, from one of their affiliate vendors, and the order total was {$67.00}. I never received a confirmation email about the purchase, but my Discover Bank Debit Card was charged immediately. The vendor is listed as XXXX. The charge that appeared on my Discover Bank account lists the name of the vendor as XXXX I've contacted company through their support email address and received no response. I've tried calling their listed number many times and someone just answers the phone and hangs up. I contacted XXXX on XX/XX/2023 and spoke with 2 different customer service representatives, and they said they couldn't refund the money since the affiliate has left the transaction in " pending payment '' status. They also told me I could not speak to a supervisor as all the supervisors were in a meeting. I contacted Discover on XX/XX/ to have the charge reversed. They said that even though it turned out to be a scam, they could not reverse the charge because I used my debit card instead of a credit card. Attached is a PDF file that includes the email I sent to the company, the screenshots I took of the order as I was placing it. And redacted screenshots showing the transaction on my Discover Bank account.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am signed up for alerts on activity under my SSN through my current Discover card. On XX/XX/2023 I received alerts for 3 different hard inquiries using my information. On XX/XX/2023 I received a text from XXXX XXXX notifying me that a credit card had been issued and would ship out soon. I was out of the XXXX from dates XX/XX/2023 - XX/XX/2023. Upon arrival home I saw letters from XXXX XXXX XXXX, Discover, and XXXX XXXX XXXX XXXX notifying me that the applications with them had been denied. I have contacted XXXX XXXX and started a fraud case with them to get this card shut down. I have contacted XXXX, XXXX, and XXXX to freeze my credit.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I trust this message finds you well. I am writing to address an issue related to my charged-off Discover credit card account and its erroneous reporting on my credit report. This particular account has been formally charged off, but it is consistently being reported as a 'charge-off ' on my credit report every month. Such monthly reporting inaccurately suggests a recurring negative event, which is not the case. As per the guidelines under the Fair Credit Reporting Act, a charged-off account should be reported once, not monthly. The constant reporting of the charge-off is adversely affecting my credit score, which is unjustified. This ongoing misreporting is severely impacting my financial status and prospects for future credit opportunities. I earnestly request your intervention in rectifying this matter to ensure the accuracy of my credit report. Thank you for your prompt attention to this crucial issue. Best regards, XXXX XXXX
Company Response:
State: AZ
Zip: 85296
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I closed this account in XX/XX/2023 with a balance of {$600.00}. I made a {$200.00} payment at least three times. But the balance keeps going up. I learned last week that the account was not closed and that two different phone numbers had been added to the account. Discover also claims that they did not receive the {$200.00} payment that I made over the phone with them in XXXX. I filed a fraud claim 9 days ago and I was assured that the account was closed. I received a letter from Discover today via XXXX mail thanking me for reopening my account. The account is supposed to be under investigation for fraud. Not only did Discover reopen the account they increased the APR to 27.99 %
Company Response:
State: TX
Zip: 785XX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XXXX was offered via my account three options to get caught up on my account. It was in the negative because my daughter used my card while I was on medical leave. I chose the one where you make four bigger payments with no interest. With that, I would have money available to use and my account would be out the negative. After the four months then the interest and regular payments would start. I was charged XXXX XXXX plus dollars in interest per month. The bigger payments did not affect my account in a positive way. It is still in the balance is still in the negative. I was mislead. When speaking to customer service they stated it was nothing they could do! It states it was third party but the offer was offered in my account. When I logon to check my account and pay the bill.
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A