Date Received: 2023-07-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are accounts, dates, and amounts that I do not recognize, nor am I responsible for, nor have I received any money or goods from the creation of these unknown accounts. I AM A VICTIM OF IDENTITY THEFT!!!
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
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 made a purchase of clothing from XXXX XXXX for a total of {$840.00}. However, upon receiving the order, I found that the clothes did not fit me properly. As a result, on XX/XX/XXXX, I initiated a return order, which incurred a {$5.00} charge for the return of the products. The parcel was successfully delivered to XXXXXXXX XXXX XXXX warehouse on XX/XX/XXXX at XXXX XXXX as confirmed by the proof of delivery provided by XXXX. After waiting for a week, I contacted the customer service department to inquire about my refund. They informed me to wait for a couple more weeks. Following their instructions, I waited patiently, but when I reached out to them again, they insisted that they were still awaiting receipt of the returned products, despite XXXX providing proof of delivery to their warehouse. They expressed their inability to assist me further. Due to this unresolved issue, on XX/XX/XXXX, I decided to file a chargeback dispute with Discover Bank. Since then, every month, my bank has temporarily credited the disputed amount back to my account based on the evidence provided by XXXXXXXX XXXX However, upon reviewing the paperwork each time, I noticed that it never addressed the actual issue I raised, which was that the products had been returned to their warehouse. It is particularly disappointing that XXXX XXXX consistently sent the same documentation to my bank, which failed to address the core problem I experienced as a customer and my bank also failed to review the paperwork diligentlynamely, the return of the items to their warehouse.
Company Response:
State: TX
Zip: 77057
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My debit account was frozen on XX/XX/XXXX, while I am on vacation in XXXX. It all started, when I requested a wired transfer to the account of my ex wife, after I learned that the Discover Debit card doesn't work outside the US. Please read the demand letter bellow I emailed to Discover Bank headquarters, after uploading it in addition to my account, and the banks secure message center. Since XX/XX/XXXX I called them, from XXXX at my expense, well over 20 times to no avail. They keep asking for more proof of my identity, even after I uploaded a newly issued US passport, that I received fro the US embassy in XXXX, XX/XX/XXXX, the divers license I used the I opened the account in XXXX, a copy of the social security card, and a bank statement from another account with XXXX XXXX XXXX XXXXXXXX, in my Name. I have exhausted all options and need help in that matter. Bellow is the demand letter I sent to the bank Account : XXXX XXXX ending XXXX Subject : Urgent Request to Unfreeze Account - Account Number : XXXX I am writing to you with utmost urgency and frustration regarding the freezing of my debit account. I am currently facing significant financial hardship and distress due to the continued freezing of my account while I am on vacation in XXXX. I implore you to take immediate action to unfreeze my account so that I can access my funds and close the account.Despite providing comprehensive documentation to verify my identity and address, including a copy of my drivers license ( although expired now, it was valid when I opened the account in XX/XX/XXXX, and does show XXXX and address ), a newly issued US passport ( issued at the US Embassy in XXXX XX/XX/XXXXXXXX XXXX XXXX ), a copy of my social security card bearing my name and SS number, and a bank statement from another institution, again bearing my name and address, my account remains frozen. I have taken every possible step to establish beyond any doubt that I am XXXX XXXX, a living individual with a valid social security number, newly issued passport, and rightful ownership of the account in question.I would like to emphasize that the documentation provided contains all the necessary proof of my identity, leaving no room for doubt or uncertainty. The repeated requests for additional verification and the prolonged freezing of my account are causing undue stress, frustration, and financial hardship during my time abroad.I demand immediate resolution of this matter and the immediate unfreezing of my account. I need access to my funds to cover essential expenses, as well as the ability to transfer the remaining balance to another bank where I can regain control over my financial affairs without unnecessary hindrances.I expect this issue to be treated with the utmost urgency and diligence, recognizing the significant impact it has had on my personal and financial well-being. I trust that you will take swift action to unfreeze my account and provide me with the necessary means to proceed with the closure of the account, as I have lost confidence in the service provided by your institution. I kindly request a written confirmation ( email ), of the unfreezing of my account and the steps taken to ensure the swift transfer of the remaining funds. In the absence of a satisfactory resolution within 1 business days from the date of this message, I will be left with no choice but to escalate this matter to the appropriate regulatory authorities and consider pursuing legal action to safeguard my rights as an account holder, and financial damages thus far incurred.I hope that we can resolve this matter promptly and amicably, without the need for further escalation. I urge you to consider the implications of the current situation and take immediate action to rectify it.I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX to discuss any further details, if necessary. I look forward to a swift resolution to this matter and the restoration of access to my funds. XXXX XXXX
Company Response:
State: CA
Zip: 931XX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear DISCOVER BANK, I am writing to dispute certain inaccuracies that are currently appearing on my credit report, which are affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name DISCOVER BANK Account number XXXX Account type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. Sincerely,
Company Response:
State: NY
Zip: 10003
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Re discover card account # XXXX Discover card services had opened a pair of disputes that I had not requested : Dispute number 1 - a {$2000.00} charge on XX/XX/22 to XXXX XXXX XXXX on my Discover card ending in XXXX. Dispute number 2 - a {$1400.00} on XX/XX/22 to XXXX XXXX XXXX to my Discover card ending in XXXX. I do not dispute these charges and had communicated this via fax to the company yet had not received a response. I had also communicated to the company via fax to ensure my mailing address on file is current ( XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ) yet have not received a response. I have been left to communicate with the company via fax as they refuse to deliver phone or chat support to me citing a " fraud alert '' on my account. I trust this complaint will aid to restore normal service to my account and a recall of these erroneous disputes. Thank you
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My complaint is actually with a Discover Bank policy. Specifically, I went online as I wanted to dispute a debit card transaction ( have already tried to contact the payee, run-around ). I went online to do so and clicked to dispute it ( see attached screen print ). My question/complaint is... In this day & age when companies WANT, BEG, REQUIRE you to do everything online, WHY does Discover Bank REQUIRE you to phone in ( and potentially endure long hold times, etc. )? Not to mention, doing by phone leaves me, the customer, with NO proof or evidence that I filed the dispute... online would ( even if it's just screen prints ). And then, when I did call in, by now my first question was just this, Why was I unable to do online, why was I required to call in.
Much to my surprise, she was unable to answer my question without first verifying me. I then inquired WHY did I need to be verified for a general, non-account-specific question? Long story short, she was going to transfer me to tech support. I stated " Tech support doesn't make your corporate policy, that comes from management... they only right the code required to implement/follow policy. '' She then transferred me to another person ... This XXXX lady 's answer to my question was, " because that's our policy! '' She further, rather rudely, informed me " Your company can make their policies, but we have ours. '' This is very true, and I fully agree every company/business needs policies and procedures. However, they should make sense. Requiring someone to verify before answering a GENERAL, NON-ACCOUNT-SPECIFIC question makes absolutely NO sense! Also, " because that's our policy '' also does NOT answer the " why '' the policy question! She then transferred me to
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have repeatedly contacted Discover. My card was stolen and they setup an XXXXXXXX XXXX account. Discover did refund historical charges but refuses to block new recurring charges. XXXX tells me they card is active and associated with an account and because Im not on the account they cant remove it. Neither party is willing to fix this. Basically every month Im going to have to contact discover to dispute a new XXXX recurring charge. Since its recurring, they say theres nothing they can do about it. I first contacted approx XX/XX/XXXX when I saw the charges. On XX/XX/XXXX was my most recent call. I told them explicitly if this is not resolved Ill contact CFPB. They reiterated they set up a block for new charges but arent able to block recurring charges. On XXXX XXXX charged me TWICE for XXXX for XXXX, and theres a XXXX statement credit on XXXX that I guess was automatically triggered. I cant get Discover or XXXX to stop fraudulent charges. I cant get them to stop. Please help me.
Company Response:
State: TX
Zip: 78758
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Im having an impossible time trying to get a fraudulent charge off of my credit report. I have been disputing this directly with discover for 5 years now. They are aware this is a fraudulent charge. When I dispute with credit reporting agency, they check with discover and discover says yes this amount is correct. Discover has not been able to validate this charge with the company who fraudulently charged me originally.. discover has told me it was not verified, but yet still is holding me accountable. This original charge was from XXXX XXXX XXXX. Yes, I gave them my discover card number. They needed a charge card to put a XXXX $ hold on my card, but assured me nothing would be charged. The car they rented to me was a lemon. I had to call XXXX XXXX XXXX twice the first 2 days I had it, due to it not starting and me getting stuck. Long story short. I rented a car from XXXX XXXX XXXX XX/XX/2018. XXXX XXXX office in XXXX XXXX CT. The car was unreliable. It did not start twice. Record of XXXX XXXX XXXX 2 separate occasions, within first 24 hours I had possession of vehicle. Rented the car to go on a trip. Did not feel comfortable driving 4.5 hours away in this unreliable car. They had no other vehicles to exchange it with. Found alternative vehicle. Contacted XXXX to return car. The satellite office was closed and they had no key drop box ( red flag ). Was told by corporate manager to leave the key under drivers side floor mat, and someone would pick it up from my home address. I expressed how I was leaving on a trip, and would not be home. I came back a week later to surprisingly see the car still in my driveway, not picked up. I called corporate notified them. They asked if I could drop car off to a different location from where I originally picked it up from. Agreed, but would have to wait until my neighbor got home from work, to watch my infant son. Was not driving an unreliable car, to a sketchy neighborHOOD with my baby in car. Drove car to address management provided. The place was closed. On phone with management.. she asked if I could bring it to another place. Drove 35 mins. To a location that once again was closed. Called management.. told her I was going back home.. after XXXX XXXX at this point. I needed to get home to my baby. It was dark. I was nervous. She was annoyed because she expressed how they needed that vehicle at XXXX XXXX in XXXX. Over an hour from me. She said to leave keys in car in driveway. Someone would tow it out. Woke up in morning car was gone. XXXX employee towed it to airport. Honestly, I was thinking I would be compensated for all my troubles. I didnt hear anything until my next credit card statement. XXXX XXXX XXXX, charged my discover card $ XXXX Which put my card balance over limit. Apparently XXXX charged me whatever bogus number they threw out. The days car was in my possessionand charged me for their tow!! All the way to the airport!!! And charged me for the gas!!! I have been explaing this to discover since XXXX disputing still paying monthly minimum payments.. realizing it was all interest on this charge. My balance stayed the same. When they investigated they temporarily took charge off.. only to put it back on after XXXX confirmed that I gave them my card number. I guess that is all discover needs I found out last year.. 3 years after I have been disputing.. discover never verified the charges. I called XXXX myself, and they cant tell me what the charges are for, because my name is not even in their system!! I never recieved a reciept, I never agreed to pay this, because they had my card number they charged whatever they wanted. Apparently per discover if I give my card number its giving permission this was a HOLD only. Not supposed to have charged anything. XXXX is no help. Ive been laying XXXX per month for 2 years now.. trying to get this resolved. They investigated with discover, and discover verified the amount was correct.. that was it.. yes XXXX charged my car XXXX fraudulently. Yes they did. Thats all discover needs to know. Thats all XXXX needs to know, and XXXX can not verify, or even tell me an itemized bill charge. This is bogus. This one stupid card, has caused me havoc, in my life. A serious burden.. effected my livelihood couldn't get a car loan, only approved for pre paid credit cards, I have been trying to rebuild my credit for years now. I am so upset, especially now, I need to apply for a parent plus loan for my sons college he is going to school in 5 weeks. I will not get approved, my credit score is low.. and with all the fees discover has been charging me for 2 years, interest and late fees.. the balance is now XXXX discover kept my account open for years, before now it just went to a collection agency. So now I have a collection on my credit report.. I need this removed. I need someone to be accountable for this fraud. I need help immediately. It is wrong. And I am suffering!!!!
Company Response:
State: CT
Zip: 06405
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I have been receiving phone calls from Discover about paying off my credit card debt. I have told them that I am working with a debt consolidation company to resolve my debt yet I continue to receive calls. They are rude and make very vague threats about this is our last time trying to call before we take further action. They have now began to call my mother, whom I live 700 miles away from and has no involvement in ANY of my finances. They are calling and threatening her now. This is so wildly inappropriate and should not be legal to contact my mother about MY account.
Company Response:
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A