Date Received: 2023-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: just received a letter from Discover Card seeking payment for the assets of a deceased parent from over a year ago. There aren't any assets left after burial with life insurance funds paying such expenses. The deceased was XXXX yrs old. The rest of her money was used for medical care while still alive.
Company Response:
State: IN
Zip: 46375
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: When I was unable to use my Discover card it was denied. Ive never been late usually paid two payments a month. But DISCOVER REVOKED MY ACCOUNT WITHOUT WRITTEN NOTIFICATION. Their claim is we emailed you. You agreed to being emailed. I explained I do not recall this conversation and listening to it will make no difference. This all stems from the card getting violated in which I have no problem filling out paperwork when I know its coming or marked Eurgent in email so you know its not spam. I am following this complaint with the OCC, FDIC, FCC SINCE THEY RENEGED ON A VERBAL AGREEMENT VIAL TELEPHONE.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am writing to address a concerning matter regarding a fraudulent account that was reopened in my name without my consent. I have been a victim of identity theft, resulting in multiple credit cards being opened in my name without my knowledge. Upon discovering the unauthorized credit card accounts, I immediately contacted all respective banks to report the fraud and initiate the necessary steps to close the accounts. I promptly notified all three major credit bureaus and the FTC of the situation and initiated the dispute process to ensure the removal of these fraudulent accounts from my credit reports. Through diligent efforts, I succeeded in having all the accounts removed, restoring the accuracy of my credit history. However, to my dismay, I received a letter from Discover Bank claiming that no fraud was found and, as a result, the account in question was reinstated in my name and added back to my credit reports. This decision has left me astonished and deeply concerned, as the circumstances surrounding the reopening of this account clearly indicate fraudulent activity. I have taken prompt actions to report and resolve this issue, but I am now faced with the distressing circumstance of Discover Bank reinstating and reappearing on my credit reports despite clear evidence suggesting fraudulent activity. Throughout the account closure procedure, I lacked any specifics regarding the account, as a result, I collaborated fully with Discover bank 's representatives, furnishing my genuine personal information, including my accurate address, phone number, and email. I was also required to provide my social security number to your bank 's representative in order to locate and address the fraudulent account. Subsequently, Discover bank 's representatives informed me that the information I provided differed from that what was used during the initial application process. This single fact serves as conclusive evidence that the account was opened without my knowledge or consent, and that the individual responsible for these actions was not me. After reporting the account as fraudulent, I received an accompanying letter from Discover bank, revealing the associated transactions took place in California. I would like to emphasize that I live in XXXX and have been employed by a reputable hotel company for over two years. My employment verification can confirm that I was working diligently during the period when the fraudulent account was opened, and transactions were made. While I XXXX have had days off, most of my time is spent at work, typically five days a week, 40 hours a week. It is physically impossible for me to have traveled the distance from XXXX XXXX to California and back within the time frame of the transactions. As such, it is evident that I could not have been the individual responsible for opening the account or making any transactions associated with it. During my subsequent communication with Discover bank, I made it abundantly clear that I was unaware of the existence of this account and the fraudulent activities associated with it. Then I was further informed that Discover banks representatives had attempted to contact me on my legitimate personal phone number, which they perhaps obtained from one of my credit reports, in order to confirm the authenticity of the account. However, due to the numerous spam calls I receive on a regular basis, I mistakenly assumed that it was another fraudulent call and declined to engage further. This refusal to provide confirmation can not be construed as an acknowledgment of the account 's validity, as I never explicitly confirmed or accepted the account as mine.
Company Response:
State: FL
Zip: 33040
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was on line the other day only to get a pop up for Discover Student Card. I was eventually approved and my card was sent overnight. I was able to take care of some things the first day. The second day I order an XXXX and the card was declined. After calling Discover they advised that they had to verify my IRS information and sent a copy of my bank statements notarized. I am having trouble signing into the XXXX document.
Company Response:
State: FL
Zip: 33928
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am reaching out to you once again to express my concerns and dissatisfaction with the manner in which Discover Bank has handled my recent claim for fraudulent charges on my credit card account ending in XXXX. On XX/XX/2023, my phone was stolen, leading to multiple unauthorized transactions across my credit card accounts with several banks, including Discover Bank. The fraudulent transactions resulted in a total of {$450.00} unauthorized charges on my Discover account. This crime has been reported to the XXXX Police Department as part of a financial fraud investigation ( Case No : XXXX ), with the event being detailed in the attached police report authored by XXXX XXXX ( # XXXX ). Despite this, Discover Bank denied my claim, stating that the transactions were verified via my email and phone - both of which were in the hands of the thieves at the time. Furthermore, they insinuated that I should have reported the theft and fraudulent activity earlier, ignoring the fact that my ability to do so was compromised due to the loss of my phone. In stark contrast to Discover 's conclusion, other leading financial institutions such as XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, who also had my cards in the mobile Apple Pay wallet at the time of the theft, have conducted their investigations and unequivocally confirmed that the transactions in question were indeed fraudulent. This leads me to question the rigor and integrity of Discover 's investigation. Why does their conclusion deviate so markedly from those of these other major banks? Under the provisions of the Fair Credit Billing Act ( FCBA ), I am safeguarded from bearing liability for unauthorized charges on my credit card account beyond {$50.00}. Many credit card issuers, including Discover Bank, ostensibly operate under a zero-liability policy for fraudulent charges. It appears, however, that Discover Bank has chosen to ignore these protections in my case. I strongly request the CFPB to step in and conduct an impartial review of my case. Discover Bank 's refusal to acknowledge the evidence and honor their own zero-liability policy amounts to a violation of my rights as a consumer. Attached to this letter, you will find the police report, evidence of fraudulent transactions, and other related documents for your perusal. Thank you for your attention to this matter. I am hopeful that your intervention will bring about a just resolution to this matter. Yours sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I am being sued by Discover Bank for {$8400.00}, most of which I believe is interest and fees. I contracted with a debt consolidation company, XXXX XXXX a year ago, and they were supposed to at least contact my creditors and try to negotiate a settlement. Discover contacted me I explained that I was consolidating my debts with XXXX XXXX and gave them their information -- as I had been instructed by XXXX. I contacted XXXXand told them about the calls. Turns out they had not contacted Discover nor negotiated a settlement in the year since I went with XXXX. When I received the summons, I contacted XXXX, informed them of the summons and sent the information. Since I had a contract with their law firm ( XXXX XXXX XXXX ), I thought they would reply to the court. I was contacted a week later by XXXX and informed I would need to pay an additonal {$250.00} for them to reply. I thought legal services were included in the debt consolidation agreement. I can't afford it. So I have to reply to the summons myself. XXXX contacted me earlier this week, said they had contacted Discover and negotiated a settlement for 85 % of the debt. But I would have to immediately start paying {$700.00} a month instead of the {$340.00} a month I've paid for a year. I can't afford that! I have drafted a reply to the court myself, since it needs to be to the court by XXXX feel that if XXXX had contacted Discover earlier, Discover might have been more willing to negotiate more. So I've got to go to court and I can't afford an attorney or anyone to represent me.
Company Response:
State: NE
Zip: 68521
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
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: I have written to discover and experian in an attempt to correct this account, it has never been late and XXXX will not respond. In accordance with the Fair Credit Reporting Act. Discover and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: TX
Zip: 77586
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
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: Over the last year I have contacted XXXX about the error on thier discover entry on my bureau. I have also contacted discover. This account is full of errors as I have always paid on time and am still today. The attached letter indicating my account being erroneously reported has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: TX
Zip: 77586
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened an account on line with XXXX XXXX XXXX in XXXX nv and proceeded to transfer about XXXX from my discover XXXX and realized I made a mistake so I ran down and closed the new account with XXXX The banker who closed account said the money will just go back to my discover account! Never has and I have spend 2 months calling sitting on hold, hung up on. And no one will complete this issue! They keep sending me here and there and nothings been done! I am XXXX XXXX XXXX and need that money to live on, I can not believe a multi XXXX dollar bank can not find my money! There were 4 transactions of XXXX, XXXX, XXXX, and XXXX XXXX! The lower 3 have been returned???? Why not my XXXX? They have caused me great deal or stress and time wasted on the phone. I need someone to help me. XXXX please
Company Response:
State: NV
Zip: 89431
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Discover has been disclosing my personal information to third party entities without having provided me with my right to opt out of such action.
Company Response:
State: CA
Zip: 92707
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A