Date Received: 2023-07-02
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: Late paymemt/missed payment and closed account was reported on my credit report during the Covid-19 Pandemic. I had difficulty keeping up with the payment due to being laid off from my job to job. I have tried to find multiple job just from being laid off job to job due to the business closing and not need much workers.
Company Response:
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX bought a debt from Discover Bank on a credit card. Sent illegal letters threatening litigation, and refused to follow federal guidelines outlined in the FCRA to validate the debt. The last request to validate the debt was sent in XXXX of XXXX, the first requests were sent to Discover in XXXX. Neither party validated the debt under the guidelines of the FCRA and are in direct violation of Federal law. The debt collector also violated the contract agreement with Discover and is attempting to use the legal system as a scare tactic even when the contract with Discover states neither party can use the court system. Discover claims charges were reversed, bank statements with XXXX XXXX XXXX ( the bank used to make the payments ) show the payments, totaling over XXXX XXXX USD did clear to Discover. Neither party has followed written or verbal requests to validate the debt and both refuse to follow Federal laws and regulations or even state laws.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I received a pre approved offer through XXXX XXXX to apply for Discover Card. These offers were pre marched based on credit history and score. Based on these factors, I more than qualified. I received the letter stating I was denied based on factors which doesnt apply to my reports. I have active accounts, my score is over 700 at the time of the letter. Another reason shows bankruptcy which was dismissed over three years ago and had nothing to do with credit card accounts. The bankruptcy was filed to obtain my vehicle back after it was illegally seized during covid when these collection actions were suspended. This is noted in my report
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023, I became aware after trying to use my Discover Card to buy gasoline that my account, which I had for over 5 years in perfect standing had been closed for reasons that the customer service team falsely made up. They claim they couldnt verify my identity, even though I have lived at the same address for many years, made timely and frequent large payments on the account to keep my utilization low at all times without any errors or mistakes in the entire history of the account. I never received any correspondence from them online, or by mail. If something was so important that they needed to reach me immediately they should have overnighted or sent a letter via certified mail, NOT regular mail. This just goes to show how outdated and pathetic their service is compared to other companies who employ modern technologies to communicate with customers. I believe myself to be the model credit card customer and take pride in maintaining a perfect credit history. I wasted over 2 hours on the phone, being transferred to multiple wrong departments and nobody could tell me why my account was closed. This is now affecting my perfect credit standing, dropping me over 40 points because the accounts are closed with a balance on them, making the card look like its totally maxed out. Additionally, I had over {$150.00} in rewards on the account that I can no longer use. To get these rewards, I had to spend over {$10000.00} in purchases. This is very wrong on so many levels. I have never been treated so unfairly by any card issuer and I have dozens of accounts with all major institutions who have never given me any problems like this.
Company Response:
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Struggling to pay your bill
Subissue: Problem lowering your monthly payments
Consumer Complaint: To Whom It May Concern, I would like to submit a complaint about Discover Credit Card services. They have repeatedly made it sound as if there were options other than what I was already working with when those options were not available. This issue started when I missed a payment earlier this month due to my hours having been reduced and not having the ability to make the payment before the due date. I had been planning on paying the overdue amount as soon as I was able to later in the month. Shortly after the missed payment, I started receiving calls from Discover a minimum of 3 times each day. When I listened to the voicemail, the message had stated that there were money saving options if I reached out to them to discuss it. I reached out through chat on XX/XX/XXXX and spoke with XXXX. During my conversation with XXXX I had explained my situation and she ignored my original request for information about the options mentioned in the voicemail. She repeatedly pressured me to set up a payment plan without actually answering my question. I had to ask more than once for an explanation of the options. Once she finally addressed the question I was told I was already on a plan and there were no options. The only option offered at this point was to pay the past due now and the rest by the next payment date. When asking about why there were no other options and was informed that once a program is accepted there are not any other options. At this point I was also told that my payments would go back to {$190.00} after the current amount was paid in full. This was higher than my prior payments and when I questioned it and asked if there was a supervisor to review the account, I was told that the payment fluctuates with the balance and she was an account manager and there was no one else to review the account. I then brought up Discovers late payment forgiveness program since I dont believe I had missed a payment prior to this and was told they would forgive the fee if I set up a payment with them now. This was after I had already explained that I could not make a payment at this time. Finally I planned to submit a complaint since they would not allow me to talk to a supervisor and I felt the voicemail that was left was misleading. Once I mentioned this to XXXX she finally transferred me to a supervisor. I then spoke with XXXX who offered to remove the interest fees and late fee for the previous month. This was only allowed if I were to set up a payment at this time. This would have assisted a small amount but would not have changed the amount the payment I was having trouble with would be. I asked about any types of options to make future payments more affordable and was told again that there were no other options. He also suggested splitting the payment due up over multiple months but I would incur late fees each month if the account was not brought fully up to date. At this point he also pointed out that I could pay extra on each payment to make the principal reduce faster. This felt like a foolish statement as I was already having trouble making the minimum payment. They continued to try to get a payment set up and I had looked away for a minute to check something to see what I could do when the chat was ended abruptly. My Second conversation with Discover was on XX/XX/XXXX when I tried to confirm that my account was eligible for the late payment forgiveness when I would be able to make the payment. I reached XXXX who transferred me to XXXX since my account was on a payment plan. XXXX then proceeded to tell me that in order to see if I qualified for a different payment plan they could drop my current plan and check. They also continued to pressure me to set up a payment when I had said I could not make one at the time. The same credit was offered and I was told it would not lower the minimum payment due. I agreed to trying to change programs and see if a better option was available. There were no other options and I was not able to be put back on my current plan. When I reached back out on XX/XX/XXXX after receiving another voicemail stating there were options, I was informed by XXXX that you are not able to be put on a new program within a year of having been on one. This means that the prior associate I spoke with falsely offered me a chance to change my program when that was not an option. If the prior associate XXXX had not offered this, I would not have ended my payment plan and would have done my best to get a payment in before the upcoming due date. This complaint is being submitted due to the deceptive practices used by Discover in trying to get me to contact them as well as the blatant lie about what options there might potentially be if I ended the program I was on at the time. Attached as supporting documentation is a copy of the transcript from all 3 chat conversations as well as images of the chat screens. Sincerely, XXXX XXXX
Company Response:
State: MO
Zip: 65802
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
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 had XXXX in XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXX XXXX XXXX XXXX for XXXX and a half weeks with my XXXXXXXX XXXX XXXX sometime around the middle of XXXX. I still had my XXXX XXXX XXXXXXXX when I happened upon a statement that showed two separate charges on or around the same day. one was for XXXX and the other was nearing XXXX. I called Discover and tried to communicate but they weren't able to comprehend me on the phone. I waited until I got the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to call them and report fraudulent activity. I was dismayed to find out that they were saying this was a billing dispute as if I am the one who was responsible for sharing my card information. They proceeded with a billing dispute. I called the company that was listed as the vendor and asked them if they could provide me with a receipt, signature, or proof of authorization and they couldn't profer any of that information. I called them back and asked them how they got my information. They couldn't give me an answer. They did tell me that my bank disputed and that the money was sent back. However, months later Discover denied it and sent the money back to XXXX XXXX which I have no affiliation. I then spoke to someone who told me that this should have been a fraudulent charge dispute. They moved it to the fraud department and canceled my card. I once again communicated with XXXX XXXX and asked them if they could talk to Discover who is withholding my money. They said they were going to do their best to get me my money back. They sent me pictures of statements stating that they no longer have that money and that it was sent back to Discover. They also sent me an email stating that their accounting department tried their best to get in contact with Discover but they haven't responded to them about tracking those funds. This has been extremely stressful to have had to deal with this issue for over XXXX yrs while I heal from XXXX XXXXXXXX that was needed after being XXXX by my XXXX XXXX XXXXr which left me XXXX. I have provided numerous documents and even tried to fax more documentation however their fraud department fax machine hasn't been accepting faxes and has been offline for weeks. I had someone tell me that they were going to call me back once the fax machine is up and running and no one has. This should have been resolved years ago. Aside from that their lack of respect and candor when on the phone with me has added to my stress. They are impatient and sometimes rude, I have been hung up on. There have been a few helpful customer service reps but most of them give me the wrong information. I had someone tell me last week that the money was never credited to the right account and I should have my money by now. Another person stated that my account reflects that I was given the money back. All to have someone most recently tell me that they denied my dispute because they can't understand the emails that were sent to them from XXXX where my card was charged even though I always have my card on my person.
Company Response:
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
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 am writing to lodge a formal complaint against Discover for their inadequate handling of a dispute involving XXXX XXXX, a web design company. The dispute pertains to charges made on the following dates : {$150.00} on XX/XX/XXXX for logo design, which was supposed to be included in the website design package. {$420.00} on XX/XX/XXXX for hosting services, to which we were denied access. {$1900.00} on XX/XX/XXXX for a complete website design package that was not delivered as promised. We had worked with XXXX XXXX for several months, hoping for a satisfactory outcome. However, after numerous delays and missed targets, it became clear that XXXX XXXX was incapable of providing the services we paid for. When we raised concerns about the missing features, XXXX XXXX attempted to charge us additional fees to complete the work that was already included in our package. Upon our refusal to pay these unjustified additional charges, XXXX XXXX ceased all communication and unlawfully locked us out of our accounts, disabling access to our paid products and our team 's work. In response to XXXX XXXX 's failure to deliver the promised services, we were forced to invest additional resources to independently construct the website. This included the purchase of a new theme and additional tools such as " XXXX XXXX '' and age gate software. Most alarmingly, upon recovery of our work and during our efforts to get our site live again, we discovered that XXXX XXXX had embedded malware into our site code. Our new hosting provider, XXXX, identified 32 suspicious files. This issue was not present prior to the lockout of our accounts, suggesting a malicious act by XXXX XXXX. We are now faced with additional cleanup costs to remove this malware. Despite providing all this evidence to Discover, they have not adequately reviewed the case and have denied further assistance. Discover initially approved the dispute on XX/XX/XXXX, but closed it in XXXX XXXX 's favor on XX/XX/XXXX. When I provided additional evidence to continue the dispute, Discover responded by stating " We've received your request to continue evaluating your dispute. After reviewing the information you provided, we determined that we've already considered this information or it was insufficient and we could not continue the dispute. '' This response does not correlate to a fair review of the information as they could not have possibly previously reviewed the information provided and the information provided showed clear evidence of malice and unlawful actions by the merchant including consumer fraud. In light of these facts, I believe my complaint against Discover 's handling of the dispute is well-founded. The evidence provided paints a clear picture of a financial institution that has failed to adequately review and handle a dispute, resulting in significant disruption and financial loss to our business. I look forward to your prompt response and hope for a swift resolution to this matter. Best regards, XXXX XXXX
Company Response:
State: ID
Zip: 834XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
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: discover bank is false reporting utilization on my credit inaccuracies, I've never owed over my credit limit or went over my credit limit past {$100.00} this is wrong I've ask discover to fix multiple time and disputed and complain. my credit limit is {$6100.00} total account number : XXXX IN XXXX MY BALANCE WAS {$5900.00} AND MINIMUN Payment was {$110.00} which I payed. my account got high jacked and frauded so they used about {$700.00} on my account so after reporting and claim. my XXXX balance became {$6200.00} and minimum payment was {$120.00} which I payed. my account is on hold lock because of fraud claim so no additional usage til this day no new transaction XX/XX/2023 so how is my card over {$2000.00} my balance became {$8300.00} how when they frauded my account for {$700.00} which original put my account over {$90.00} only so I'm in the red {$90.00} and made 3 payments since so I should be in the green {$300.00} but I'm not I'm over {$1600.00} make no sense. someone please fix this its false and illegal
Company Response:
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, these creditors XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, The XXXX XXXX, and Discover Card have violated my rights. Under 15 USC 1681 section 602, it states that I have the right to privacy. Furthermore, 15 USC 1681 section 604a, section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Lastly, 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose. Please update my credit file in accordance with sections prescribed above. Thank you
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for this Discover Card XX/XX/XXXX. I moved {$2000.00} INTO IT FROM ANOTHER CARD SHORTLY THEREAFTER. TERMS : " PURCHASES AND BALANCE TRANSFERS : 0 % INTEREST FOR 18 MONTHS FROM DATE OF OPENING THE ACCOUNT, AS LONG AS BALANCE TRANSFER IS MADE BEFORE XXXX XXXX, 2023. Besides paying the 3 % fee for the transfer of funds, I have been charged interest on the total in my account since opening it. This clearly goes against terms of the card agreement. Also, aside from {$2000.00} worth of charges made within the first month of having the card, I have not charged much to this card, yet " minimum due '' continues to rise. I would like the payments I have made, over the {$60.00} for balance transfer, refunded.
Company Response:
State: VT
Zip: 053XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A