Date Received: 2023-06-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: my discover card on XXXX was fraudulently charged {$2400.00} XXXX XXXX 2023 it was charged an additional {$4000.00} discover notified me and gave me a new card and removed the bad charges then added this to my new account i called them they removed the charges then put them back on again i called again they issued me a new card and three days later added the fraudulent {$6400.00} dicscover told me i was responcible they charged me interest on the outstanding money i filed a complaint with consumers they responded that discover had made a mistake and credited me with {$3200.00} that does not add up to the total fraud of {$6400.00} this has ruined my credit rating and caused health problems i am a XXXX XXXX XXXX XXXX vet and would like discover to treat me with a minimum amount of respect owed to a customer XXXX please finish this job
Company Response:
State: WA
Zip: 98223
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: There was a large payment made on the account and shortly after this the account was closed. Its very sketchy that discover card took this payment and then determined the account closed.
Company Response:
State: AZ
Zip: 850XX
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: Struggling to pay your loan
Subissue:
Consumer Complaint: Discover was not willing to accept payment arrangements that I was able to make. They chose not to work with me ; only on their terms. I reported them to the XXXX already. Now my spouse has XXXX and not working since XXXX of this year and I can remit documentation of his illness. I am not employed at this time either. This case was supposed to be closed. I feel I am being targeted and they kept adding late fees while I tried to work with them. This needs to stop or I will take further action against Discover.
Company Response:
State: ME
Zip: 04240
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: On XX/XX/2023, I was checking my email and noticed that XXXX XXXX had sent me two emails informing me about my new credit card the problem was that I had not applied for a new credit card. I proceeded to call XXXX XXXX to report this fraud. They canceled the card and told me they would report it as fraudulent. They advised me to add a credit alert in the Credit bureaus. That day I called XXXX and added a credit alert to my account. On XX/XX/2023, I received a phone message from XXXX XXXX Bank telling me that they were trying to contact me about my recent credit card application the problem was again I had not applied for a credit card with any bank. I proceeded to call XXXX XXXX Bank and informed them that I had not applied for a credit card. I then opened an account in XXXX to check the hard inquiries on my account and also notice that there was another attempt to open a credit card under my name on Discover Financial Serv. I also called them and informed them that this was a fraudulent application they told me that they would cancel the application and report it as fraudulent. I then called XXXX, XXXX, and XXXX to freeze my credit.
Company Response:
State: MD
Zip: 21044
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In a XXXX, I have a recurring bill payment that goes out monthly as follows : XXXX : XXXX XXXX XXXX : XXXX} This payment is for the purchase of property he sold me on a XXXX contract. Due to a problem with this payee XXXXXXXX XXXX ( XXXX or XX/XX/2022 ), where he claimed he did not receive payment and my bank stopped payment and re-issued the check, I watch for his check to clear my account monthly and verify it is endorsed. Today, I noticed the monthly check ( XXXX XXXXXXXX ) coming thru NOT endorsed. I requested my bank NOT pay it, rather return it as " Endorsement Missing '' because, without his signature ( or an endorsement guarantee stamp by his bank ), I can't prove he received payment. Upon noticing this today, I immediately contacted my bank via text message rather than phone as I have learned to " CYA. '' : - ) They were USELESS, full of excuses, pass the buck, etc ... at the end you'll notice, they wouldn't even provide me the requested address! Attached to this complaint are an image of the check in question, as well as a transcript of my conversation with my bank moments ago.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Unauthorized charges on the credit card. when i made discover aware they did not resolve the unauthorized or fraudulent charges. When i called to resolve this issue multiple times, there was no one in the united sates able to speak with me. I was passed around and ignored. The charges grew in interest and discover has refused to ever resolve this issue. They do not respond to phone anymore, they will simply transfer me to debt collectors. The dispute i did with experian was lacking and did not address the identify theft. Please provide assistance! This happened in XXXX. Discover will not provide or allow me access to my account to provide any supporting evidence or documentation
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received one letter from Discover XXXX card ( approximately XX/XX/XXXX ) company stating that if I do not use my card, it will be closed due to inactivity. I proceeded to try & use my card within the timeframe they given, and the card was declined/locked. I called discover for them to unlock my card and they informed me I need to do account verification first. I sent in the proper paperwork with my statements and a notarized form. Calling a few weeks later, because my card was still locked and the inactivity date was approaching. they then mentioned on the phone the notary I used was not acceptable and it had to be from a banking institution such as XXXX etc. The woman on the phone then gave me an extension to get it properly notarized. I then went to chase had it notarized and sent in via Discover XXXX I called the next day to make sure they received it and it was confirmed. I was then under the impression someone would get back to me to state my card was unlocked & ready to use. A few weeks pass by and the account was officially closed. I was never notified via email text message, phone call or letter by mail that they closed my account due to incomplete notary. I spoke to several different department on numerous occasions, following the error that was made on their behalf. Finally reaching to a supervisor named XXXX she stated that my account was closed in error and that she will re-open it once she verified my second notary. I never heard back from her, so I proceeded to call back again. I spoke to another representative stating that the decision they made was final, and they will not reopen my account. My card with Discover was then reported to the credit bureau. Bringing us to XX/XX/XXXX I contact XXXX from customer advocacy. She informed me she will start an investigation and get back to me. Today XX/XX/XXXX she informed me her investigation was final, and the decision for Discover was correct. It clearly states on my account it was closed in error. She proceeds to tell me my account was closed due to improper documentation. In addition to me speaking to XXXX, XXXX states XXXX told me it will be reopened over the phone. XXXX never informed me that it was re-opened or else I wouldve use my card to avoid the closure. Regardless, a proper letter or email should have been sent stating what we discussed on that day, and that my card was ready for usage. I stated to XXXX I was never informed via email or a letter in the mail that my account was reconsidered and able to be used. I come to find out after speaking to another representative named XXXX that works in XXXX office on XX/XX/XXXX to the XXXX. They gave me that timeframe to use my card when in reality I was under the impression my card was still unable to be used due to never being told I have from XX/XX/XXXX to the XXXX to use my card. XXXX continued to give me a hard time & talk in circles. I asked her how does a company close and reopen a customers account and not notify them she was unable to answer that question. Discover XXXX card company illegally closed my account without proper notification twice.
Company Response:
State: NY
Zip: 11729
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to dispute a charge of {$560.00} from DISCOVER BANK on my credit report on date of XX/XX/2019. The charge is in error because this account was opened fraudulently with my personal information without my consent. I contacted the company immediately upon seeing this balance showing up collections. Multiple times have I stressed this issue to them regarding my concern on this account balance. The company refused to try and resolve my issue, even though I provided documents to them as proof, as well as writing them a letter and mailing it in. This issue has been prolonged for too long and its affecting me financially.
Company Response:
State: VA
Zip: 24541
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
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 formally file a complaint against Discover Bank regarding their handling of a dispute with a merchant. Despite providing ample evidence and adhering to all necessary procedures, I have been extremely disappointed with Discover Bank 's decision to side with the merchant, resulting in a loss of {$2800.00} for items that were rightfully returned. I believe this decision was unfair and unjust, and I am seeking assistance from your esteemed organization to rectify this matter. The details of the case are as follows : On XX/XX/2023, I placed an order with a merchant for several items. Due to various legitimate reasons within their return policies, such as missing pieces, late delivery, and no longer needing the items, I promptly returned them. I possess and have submitted all necessary documentation, including drop-off receipts and screenshots of valid Return Merchandise Authorization ( RMA ) numbers. Despite providing irrefutable evidence and fulfilling all obligations required of me, the merchant has failed to refund the total amount of {$2800.00} for the returned items. It is important to note that I have been a loyal customer of Discover Bank for over five years and have always maintained an account in good standing. This dispute marks the first time I have ever felt compelled to escalate a matter to this extent with ANY Credit Card i own, due to Discover Bank 's refusal to uphold its responsibility in protecting my interests as a cardholder. I would like to request the following actions from Discover Bank : I urge Discover Bank to thoroughly re-evaluate the evidence I have provided. It is crucial that they accurately assess the information and acknowledge the clear and compelling documentation I have submitted in support of my dispute. And ultimately, Reverse the charge of {$2800.00} to my account, immediately.
Company Response:
State: MA
Zip: 02130
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a fraudulent account on my credit report, which I reported to DISCOVER FIN SVCS LLC, yet DISCOVER FIN SVCS LLC is not removing this fraudulent account. Discover Bank has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet DISCOVER FIN SVCS LLC has refused to do this. The following is the fraudulent account : DISCOVER FIN SVCS LLC XXXX which was opened at an address where I have never lived at and it has nothing to do with me.
Company Response:
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A