Date Received: 2023-06-15
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 made a purchase on XXXX, payment collected by XXXX, with my Discover card in XX/XX/2023. The item was for my wedding and was in my area after I left for my wedding. The package had to be signed for and I obviously wasn't home to get the package. The post office was supposed to send it back the beginning of XXXX and still has not. The XXXX seller refuses to refund me even though they're aware I never got the package, no longer need it and the post office hasn't sent it back. The post office has nothing to do with me so I don't understand why I'm being punished and stolen from. I filed a dispute with Discover and they decided the charge was valid even though there's proof it wasn't delivered. I have zero need for the item now and it's not my fault that the post office still hasn't sent the item back. Discover 's customer service was beyond useless. Discover is the worst when it comes to disputes and refuses to take the customer 's side. I had another dispute with them for nearly 4 months and they refused to be of any help even though I returned the items that I had to dispute.
Company Response:
State: WI
Zip: 54914
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with non-monetary relief
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: Problem with personal statement of dispute
Consumer Complaint: The complaint is about the credit scoring matrix of XXXX. I am always penalized egregiously by this credit agency for minor problems with my credit reports. For instance, just recently ( XX/XX/2023 ) my credit score was reduced from XXXX to XXXX due to XXXX late report of payment by my Discover card. This report was incorrect because I had worked out a payment plan with Discover to bring this one missed payment to immediate resolution. This XXXX incident caused my credit report to drop XXXX points! This reduction is outrageous and clearly beyond the scope of this agency 's role according to the rule of law that governs this scoring matrix. Please check this agency 's treatment of my credit scores.
Company Response:
State: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Im in the XXXX as an XXXX, got to my first XXXX XXXX and started to buy essential items for general living. The credit card company let me go over my limit by around {$300.00} and didnt contact me whatsoever and now I am struggling to pay off the credit card and also maintain my well being and buy essential items such as food, clothes, and military gear.
Company Response:
State: KS
Zip: 664XX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with monetary relief
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 don't have a late payment on discover, my balance is less {$900.00} and they report {$1900.00} and wrong utilization pourcentage I have called them to fix this, they referred me to the reporting agency all XXXX bureaus did not correct it despite I sent pictures of my new balance and no late payment
Company Response:
State: PA
Zip: 19050
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: Money was not available when promised
Subissue:
Consumer Complaint: I attempted a domestic wire transfer with Discover Bank on Thursday, XX/XX/XXXX for a house closing. The wire was submitted to Discover at XXXX ET. For context, the cut off time for same-day processing provided by Discover is XXXX ET. I was told by a Discover Wire Specialist that a federal tracking/reference number would be provided to me, and if I didnt receive one 2 hours post receiving the processing confirmation email, that I could call them for one. I received the processing confirmation email at XXXX ET. Over the next 30 hours, I contacted Discover 10 separate times for an update on tracking to which most of my concern was dismissed by their wire specialists and I was told to just wait as the Federal Reserve is sitting on the money and hasnt released tracking to them yet, so there is nothing [ Discover ] can do to help. After contacting Discover additionally multiple times on Monday, XX/XX/XXXX, as the Federal Reserve is closed on the weekends, I was finally told that the money was never sent to the Reserve at all. My wire was now sitting with Discovers intermediary bank, the XXXX XXXX XXXX XXXX XXXX. And still, there was absolutely nothing Discover could do to help. This is now almost XXXX business days later and I have not received any update on where my money is in addition to constantly receiving conflicting messaging from Discover wire specialists, including that this whole process shouldnt take longer than 2 business days. On Tuesday, XX/XX/XXXX, the wire was sent back to my account after following up additionally on my own. I inquired about the reasoning for the wire not being processed and was told there wasn't any specific reason, only that they would not be processing it. They told me that reason is left to interpretation as they do not have to give me any additional information on the matter. This was incredibly frustrating as now I am late to closing on my first home, as well as now being back to square one with no information on what went wrong, or any offer of assistance to make it right. After countless calls to Discover, the Federal Reserve, XXXX XXXX, and even a real estate lawyer to chase down my own money as Discover refused to help me, I am left feeling the utmost lack of confidence in Discover as a financial institution. Discover has put me and my family through extreme emotional distress during this process. Distress that we are still under, as we face penalty from our seller and lenders for Discovers careless ride with our hard earned first home funds. If you're reading this and debating using Discover for something as standard as a domestic wire transfer, I urge you to rethink. Unless of course you enjoy giving your money to an online bank that will happily take it and then sit on it for their own financial gain through earning interest on it and then dispose of you without any concern to help with the mess they created for you. Just my two cents.
Company Response:
State: OH
Zip: 43212
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
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: Summary : I purchased goods from a company in XX/XX/XXXX who went bankrupt in XXXX of XXXX and never placed my order. I have never received the goods that I paid {$5100.00} for and Discover to refusing to refund my money. Discover clearly states on their website that " incomplete service '' is a valid reason to dispute the purchase : From Discover 's website, " How to Dispute a Credit Card Charge '' : " Did you pay for something that was never delivered? Was there a quality issue that affected your ability to use your purchase, or the product you received wasnt as advertised when you charged your card to pay for it? While youll need to make a good-faith effort to solve the problem with the merchant first, you can also dispute credit card purchases where there were these types of service issues. '' I have worked tirelessly, submitting documents showing clearly that the company is no longer functioning, that they have told me that I will never receive the goods that I paid for, and have spent hours on the phone with Discover. Discover requires that I make a " good-faith effort '' with the merchant first, which I have attempted to do. Since the company no longer exists I have not been able to successfully reach them. XXXX : XX/XX/XXXX : Purchased XXXX pieces of furniture from XXXX XXXX for XXXX using my Discover credit card. Was told by XXXX XXXX that the items would be shipped in XXXX weeks. XX/XX/XXXX : Received an email from XXXX XXXX saying the furniture would not be delivered until XX/XX/XXXX. XX/XX/XXXX : Received an email from XXXX XXXX saying they filed for bankruptcy and liquidation of all assets. Order status was changed to " Currently unable to fulfill. '' XX/XX/XXXX : Filed dispute with Discover for fraud due to " goods never received ''. Uploaded all documentation from XXXX XXXX declaring bankruptcy. XX/XX/XXXX : Receive status update from XXXX XXXX : " Unable to fulfill order '' XX/XX/XXXX : Discover says they have completed the investigation and the transaction is found to be valid. XX/XX/XXXX : Called Discover to reopen dispute, Discover says they can not reopen but will send to supervisor XX/XX/XXXX : Called Discover, says it is under review by supervisor XX/XX/XXXX : Called Discover, says it is under review by supervisor XX/XX/XXXX : Called Discover, no update XX/XX/XXXX : Called Discover, they say that I must contact XXXX XXXX and get proof that credit is due on this account. Can not contact XXXX XXXX as they have not been a company since XX/XX/XXXX.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I am a cosigner for a private student loan now being handled by Discover. The Account Number is XXXX. These three loans, XXXX, XXXX, and XXXX were taken out approximately 15 years ago. The total three loan balance payoff is {$18000.00}, which I confirmed with XXXX on a XX/XX/XXXX phone conversation. The principal balance of the three loans is {$7000.00}. The amount paid on the loans to date is {$25000.00}, far more than the original amount of the loans. I can't get an accurate history because the loans have been sold multiple times. What is extremely disturbing is that the interest on the loans is {$17000.00}. My daughter took these loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX She was very ill and unable to care for herself. With the loss of income she sustained, she was forced to file Bankruptcy, and was recently facing eviction from her apartment. She has just started working again, and is unable to pay this amount every month. I am now retired and receive social security. I asked to possibly negotiate a settlement, but was told that is not an option. Discover has temporary payment assistance and consolidation, but those options just add to her existing balance, which if you look at the paperwork, she will be repaying {$26000.00} on a {$10000.00} loan now at 13 %. That's just on one of the loans. How does the government justify allowing banks to take outrageous amounts of money in interest from people struggling. {$17000.00} in interest after already paying {$11000.00}. This is sickening. This woman worked on a XXXX XXXX XXXX for a year and a half, despite the fact that she is a XXXX XXXX with a XXXX XXXX XXXX. She was also a XXXX on an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXShe 's in debt up to her ears for chosing this profession. There should be some kind of regulation on banks with regard to private student loans.This is terrible that banks are allowed to do this.
Company Response:
State: MI
Zip: 48083
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: In XXXX of 2022 Discover credit card called to tell me I was late on a payment. I then told them that I did not have a Discover credit card and the charges made at a XXXX store in XXXX XXXX XXXXXXXX and balance transfers made to a bank in XXXX XXXX XXXXXXXX that I have never done business with. Just before my account was created my mail was forwarded to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. This account was created with an email address that is in no way associated with me. Discover has removed some of the charges but left most of them. But they are all of the same. The charges at XXXX and the balance transfers to the bank on XXXX XXXX XXXX all are about XXXX miles from my house and I have never been to either. In the process of dealing with many representatives they had mistakenly issued me another card XXXX XXXX XXXX, they sent me another letter with the last XXXX of the card XXXX. The other card they have on file is XXXX.
Company Response:
State: NY
Zip: 138XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2022, Discover closed my credit card account with no valid reason, I called and ask what's the reason and they said I did not provide my info, which I did three times different times, I sent my information with notary signed certified mail, when I checked the USPS it says they were delivered, then I called discover and they said they did not receive the letters, after about a week they closed my account after I have gotten back {$800.00} refund form a company. I have all my certified mail receipts and the copies of the documents to support this claim, and they are now reporting on my credit file negative reports. I would like my account to be open and the negative report off my credit file. Discover is a very dishonest company, and will report them to IRS to do an audit on them for taking my SSN to open an account and trading my security on the stock market, and I will be taking over my security account and make a complain to the security Exchange, if I do not get my account reopen.
Company Response:
State: CA
Zip: 92532
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was never late on the paid-off account listed above please show me documentation proof of transaction, showing i was ever late to support your inaccurate reporting on my account if you can not support supply this please delete this alleged late payment from my credit report this is an invalid late payment please note that the FCRA allows 30 days for this to be rectified
Company Response:
State: PA
Zip: 19050
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A