Date Received: 2023-12-30
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: After doing a hard credit check and pulling information from the credit reporting agency. I was approved for a credit card but I was told that Discover needed to further verify my identity by contacting the IRS I didn't like it but I said okay. ONE email was sent to me from XXXX and XXXX it was Discover 's form 4506-C this email asked for my password and since the email did not include any password notification or a link. I put in my XXXX password. I immediately got a alert that the application process had been canceled. I thought I'd try again and the same alert came up. I called Discover to question what had happened and after " 6 '' transfers and 3 dropped calls from their agents, I was finally informed ( rather harshly ) that Discover could not resend or request another 4506-C letter and it was unlikely that Discover would issue me a credit card. Discover did a hard credit check and approved the application, they verified my identity and then emailed me a 4506-C which asked for a password DISCOVER never sent a password so how was I suppose to know what the password was? Now after all of this they aren't issuing a card after approving the application????? which had already been approved. I call FOUL.
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
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: We were also told to let you know that we received the texts, which is how we believe we hacked, and phone calls. I hope this account has now been closed in total and shows a new account and a XXXX balance with these transactions, and the account has been removed from my name and information. This account still needs to be resolved and violates many disputes, rules, and regulations. I have filed a complaint with the CFPB and will continue to submit complaints until it is resolved. I'm afraid that's not right, and I have been very patient, but this needs resolution immediately. Thank you, XXXX XXXX From : Discover Card XXXX Sent : Saturday, XX/XX/2023 XXXX XXXX To : XXXX XXXX Subject : Thanks for reaching out to our team Account Center Last 4 # : XXXX Discover logo We take your feedback seriously Thanks for telling us about your experience. Feedback like yours helps us get better every day. Thank you for choosing Discover, Your Customer Service Team 100 % U.S. Based Customer Service available 24/7* Discover App Manage your account anywhere
Company Response:
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
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: Dear XXXX, I am writing to let you know about my concern about an ongoing issue related to our credit account. We had previously received a letter confirming that the problem had been resolved, and the information was updated in the XXXX major credit bureaus. However, we were later informed that the account needed further correction. The issue is that while we had the account open, it was accessed and altered without our knowledge. Due to our health conditions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and couldn't monitor the account. Our friends and family made monthly payments without checking the account details. Although we fully resolved the issue through back-and-forth communication, we were recently invited by the CFPB and FTC to continue the process until it is entirely resolved. We both discovered that the account was compromised, and we closed it and paid the outstanding amount using linked accounts. It has been a nightmare for us, especially since we are a XXXX military family that relies on the account 's stability. We have been back and forth with this issue, and it's now outside the allowable period for discovery. The accounts should be wiped clean, and new cards should be issued immediately. Text messages and links were sent previously, and I thought you had all the necessary details since they were included in the original police report. I appreciate your hard work and time on this, given the current understaffing and overloading workload. I want to request that you continue to help me resolve this issue, as I have been passed around and forced to start from scratch each time. We can go ahead and resolve this matter entirely before the year ends. Thank you so much for your help. Best regards, XXXX and XXXX XXXX From : Executive Office of Discover Financial Services XXXX Sent : Wednesday, XX/XX/2023 XXXXXXXX XXXX To : XXXX XXXX Subject : Consumer Financial Protection Bureau ( CFPB ) Inquiry Dear XXXX XXXX, Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are adequately addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. I'm currently looking into your concerns. I will send a detailed response to you when I finish my investigation. If you have any questions or want additional information, please contact me at ( XXXX ) XXXX. I am typically available XXXX, XXXX XXXXXXXX XXXX. ET. Sincerely, XXXX Executive Office of Customer Advocacy Public
Company Response:
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XXXX WITH DISCOVER BANK FRAUD DEPARTMENT MADE THE DECISION TO CLOSE MY ACCOUNT. I WAS GIVEN A CHECK IN THE AMOUNT OF {$500.00} AND IT WAS RETURNED UNPAID. THE BANK CLOSED MY ACCOUNT FOR THAT REASON AND WILL NOT EXPLAIN TO ME WHY! THIS IS NOT ACCEPTABLE! WHY CAN BANKS JUST DECIDE TO CLOSE ACCOUNTS AND NOT EXPLAIN WHY??
Company Response:
State: CA
Zip: 95112
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am now opting out of any and all authorization I may have giving you written, unwritten, verbal or non verbal. Please see the attached modified Promissory Note and update your records accordingly.
Company Response:
State: NC
Zip: 28212
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Trouble during payment process
Subissue: Fees charged
Consumer Complaint: I emailed the company on XX/XX/XXXX with a question about an erroneous miscellaneous fee on my loan statement. I noticed a {$500.00} client misc fee on each statement for my equity loan with Discover Home Loans. I called to inquire about this, and the customer service rep I spoke with was unable to explain this fee. She advised me to send an email to XXXX requesting an explanation. She looked up the original loans docs and indicated that I did not owe a loan fee, and that I have never missed a single payment, so could not figure out what this fee would be related to, and advised Id need to reach out to the research department for help. This loan funded over 4 years ago and there was no loan fee or application fee, so I dont understand what this could be referencing. I do not owe any such fee. I emailed the address above on XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have not even ackowledged my emails and have never responded at all. I also emailed via discover home loans website message center on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, asking for clarification for this fee, and a copy of my most recent amortization schedule. No one has responded to any of these emails either. I want an explanation for this fee, and I want it to be removed from my monthly loan statements.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I applied for a Discover card balance transfer on the basis of the 0 % interest rate - in the application I had to detail the amount I was interested in transferring. I was denied the full amount, but was approved for a partial amount. I was not interested in doing a partial transfer, so when I received the card in the mail, I did not activate it. I did not realize that the balance transfer would automatically go through for a partial amount, as that was not the amount I requested, nor did I authorize a transfer for that amount. It did not occur to me that I needed to take any action because in my view, I was not approved. Some time later I went online and found my credit card balance much reduced. I traced it to Discover, and immediately contacted them to get the balance transfer reversed. I phoned several times about it, getting conflicting information each time. On the third call, with my bank on the line as a third party, they declined to reverse the transfer fees saying I agreed to the transfer and there was small print in the disclosure that I agreed to when I submitted the online application. I am now on the hook for several XXXX dollars for a balance transfer that in my view, I did not authorize and do not want. Consumers need to be aware that Discover card will lock you into unwanted transactions when you apply for a credit card. There is apparently no grace period to correct misunderstandings that happen during an online transaction and this is an underhanded way to profit off of the unsuspecting consumer.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This account is being disputed with the credit agncies.this account is from Discover bank.It was opened in XX/XX/2017 and in XXXX it was lost due to the problems caused by hurricane maria where we had losses.
Company Response:
State: PR
Zip: 00617
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: The original credito ME is the one thats extending the credit thats creating the debt. 15 USC 1692a ( 4 ) Pursuant to 12 USC 83 banks can't actually loan money ( their own stock ) Pursuant to 12 USC 1431 the role of the bank is not to extend credit, nor loans! Credit is designed to remove obligations and a natural person. is supposed to live free! This is Law.
Company Response:
State: IN
Zip: 46342
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I found a discover balnce for XXXX on my credit that I am not liabile for this debt with discover do not have a contract with discover they did not provide me the contract and with the original contract as requested XXXX
Company Response:
State: TX
Zip: 77045
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A