Date Received: 2023-06-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX, I returned few items to XXXX store, and they refunded to my Discover debit card ending XXXX, which was closed back in XXXX. Bank has confirmed that even though the old debit card was closed, the refund should come thru to my checking account that was tied to the old debit card. After few weeks, I still did not see the refund on my checking account, so I contacted the XXXX XXXX XXXX XXXX, and they confirmed that the refund was made to the debit card ending XXXX and provided me with the transaction detail receipt from their system and asked me to contact the bank directly. I have contacted my Discover bank XXXX time to investigate the refund not depositing to my bank account, but they have not contacted me yet.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I applied for a discover student credit card XX/XX/2023. I was approved for said credit card XX/XX/2023. I was asked to verify my identity through the XXXX verification services XX/XX/2023. I completed that task XX/XX/2023. I was asked to verify again on XX/XX/2023 due to a recent name change i had in the beginning of XX/XX/2023. I reverified my information XX/XX/2023. I was asked on XX/XX/2023 to reverify again which i complied with. XX/XX/2023 I recived an email reguarding the verification and was told by discover that it was successful and completed. During this amount of time I also made numerous phone calls which are recorded in their system stating that my identity was verified and my card was active and ready to use. XX/XX/2023 i found out they had closed my account due to failed security verifications. They did not send me an email, alert on the app or message. I did not receive any phone call or voicemail regarding this issue. They closed my account as of mid XXXX of XXXX without letting me know. XX/XX/2023 i spoke to them on the phone and they stated they did not have any verified information on file and that there was nothing they could do to open the account because it was over 30 days since it had closed.
Company Response:
State: ME
Zip: 044XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have had numerous issues with Discover Card over the past two years, including three false charges that I disputed that were kept on the acconunt. The third and most recent one is for {$500.00}. When the charge was present I overpaid the account to cover the charge. I then stopped using the account as I was extremely dissatisfied with the lack of customer service and lack of investigation into my issue. Thus, I am owed this money since I paid the account to keep it current during the dispute. I have contested this dispute and provided dozens upon dozens of documents and files with information ; NONE of which were reviewed - my queries were responded to by a chatbox immediately, without sufficient time for a human to read the text or open the documents. I submitted additional information. I have filed complaints before and Discover does NOT return my phone calls as they promise. I have been calling for over half a year at this point and have not gotten a SINGLE phone call back to discuss this issue. Instead, upon my last complaint, Discover closed my account, without refunding me any of the false charges from the past two years - the most notable one of which this {$500.00} that was charged in a scam. The fact that Discover keeps allowing scam charges to appear on accounts and expects people to pay them is straight up theft. Further, Discover reported this incorrectly to the credit bureaus, which now shows up on my report. In 30 years I have never so much as carried an account balance, let alone paid late or missed a payment, hence my perfect credit score - this must be Discover 's attempt to make money off of people they wouldn't otherwise be able to make money from. I am beginning to wonder if Discover is a partner of these scam artists as this is the only way they seem to make money off someone who always pays their bills. Now that my account is closed there is no way to log in or see account info and I am still owed money, yet Discover is inaccurately reporting it as delinquent. AGAIN, I HAVE CALLED AND WRITTEN TO DISCOVER AND CAN NOT GET A SINGLE RESPONSE TO MY CALLS, QUESTIONS, QUERIES, OR COMPLAINTS. The very few times I got someone on the phone after hours of holding they said someone would call me and no one has. They have also given my account information to other users who were removed as authorized users years ago and they claim they were not.
Company Response:
State: NC
Zip: 28806
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Around XX/XX/2017 some opened a credit card with Discover without my knowledge. I disputed the account and Discover refused to remove the card, even though I have a police report and supporting documents proving the account is not mine. The account was opened in Hawaii. Which I have never lived there. Also I have Submitted Disputes with XXXX XXXX XXXX and XXXX and have received the same results, along with XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I certify that the information above is true and accurate to the best of my knowledge under penalty of perjury ( under the laws of the United States, if carried out outside the United States ). Additionally, I certify that I am authorized to initiate this disagreement under FEDERAL and STATE LAW. Additionally, I am aware that major factual misstatements or omissions are a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, perjury is a crime under 18 U.S.C. 1621, which makes these lies punishable. My credit report contains a collection that has nothing to do with any purchases I've made. I claim that someone or some organization utilized my personal information without my consent to apply for products, services, or money and was successful in opening several accounts. The FTC is looking into everything.
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Subject : Account Closure and Inability to Apply for Discover Credit Cards Dear Discover Financial Associate, I am writing to address an ongoing issue that I have been experiencing with my Discover account and the subsequent denial of my recent credit card applications. After a thorough investigation, it has been confirmed that the account in question is indeed mine. However, I find myself trapped in an unbreakable cycle as I am continuously denied any new Discover credit cards solely based on the presence of my existing account, as repeatedly stated in the denial letters I have received. While I understand that my previous account was closed, it is disheartening to note that this circumstance appears to indefinitely prevent me from applying for any Discover credit cards. The denial letters consistently cite the existence of my previous account as the sole reason for the denials, leaving me caught in an unbreakable loop with no viable solution. I kindly request that Discover Financial Services reconsider their policies and procedures surrounding the treatment of customers in situations similar to mine. It is crucial to acknowledge that individuals ' financial circumstances can evolve and improve over time. Relying solely on the presence of an existing account as the basis for denying credit card applications undermines the opportunity for customers to demonstrate their creditworthiness and benefit from the services and advantages your credit cards provide. I urge Discover Financial Services to take into consideration the following points, which highlight my qualifications and creditworthiness : My credit score of XXXX, which reflects a strong credit history and responsible financial behavior. Consistently making timely payments on all existing credit cards, indicating reliability and commitment. Being a loyal and responsible customer of several large credit card companies, further showcasing my ability to handle credit effectively. Given these compelling reasons, it is unjust to continue denying my applications for Discover credit cards solely based on the presence of my existing account. I kindly request that Discover Financial Services reevaluates their policies and procedures, allowing for a fair and comprehensive assessment of my creditworthiness and eligibility for Discover credit cards. I trust that Discover Financial Services will thoroughly review this matter and consider the impact of the unbreakable cycle created by the denial reasons. By adopting a more flexible and customer-centric approach, Discover can empower deserving individuals like myself to benefit from your credit products and services. Thank you for your attention to this matter. I eagerly await a favorable resolution that recognizes the need for fairness and flexibility in assessing creditworthiness. Please feel free to contact me if any further information or clarification is required. -- -- -- -- -- -- -- Sincerely, XXXX XXXX
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am a merchant who offers services to customers and accepts Discover credit cards. I had a customer get full service any pay through Discover credit card. The customer filed a dispute charge back with Discover on XX/XX/XXXX. 9 month after the service date XX/XX/XXXX. claiming that no service was provided. We submitted documentation confirming that the service was actually done for the customer with consent and signature. Discover decided to give 3 days and sent a letter in the mail requesting the actual machine receipt. letter date was XXXX and information was needed by XXXX. Which I do have with customer signature. when we received the letter, it was already passed that date. Discover gave the customer 9 month to file a dispute and only 3 days for the Merchant to respond. I contacted the Merchant service and the bank who filed a claim on my behalf but were unsuccessful since it was done through a third party. I contacted discover but they refuse to help claiming I am not their customer. This will impact future customers if this does not get resolved since I am not able to accept discover anymore. this was stated to discover online chat and I asked numerous time for their customer service contact info other than phone or chat but I could not get through to anyone. This is the reason behind this complaint so these credit cards are being held to a higher standard than this. Merchant services processor excuse was we follow Discover guidelines and we pass it to you and we have nothing to do with these deadlines. Discover will bounce me back to Merchant services processor and refuses to talk to me.
Company Response:
State: IL
Zip: 60453
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. XXXX
Company Response:
State: PA
Zip: 19026
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: The first week of XXXX 2022, I realized that my Emails were hacked and Passwords changed. I immediately called Discover Card, and notified them. I deactivated or closed all Credit Cards and Bank accounts. I issued a Credit Freeze and Fraud Alerts at all 3 bureaus. My identity theft was caused by a Data Breach at XXXX XXXX XXXX XXXX, which affected many thousands of Consumers. Many fraudulent charges on Discover Card. I closed all accounts. And then the identity thief was able to reopoen one EVEN with an active fraud alert!!!! I requested by phone, several letters with enclosed id 's, Emails, etc. all info relevant to my accounts. Transaction history, all account info, and especially how this identity was able to open an account in my name with active fraud alert. This was to be mailed to my current address : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX No Response. Discover Card is in violation of FCRA for ignoring my many, many, requests for the above information.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account was charged off and closed XXXX. XXXX and XXXX I called collection agency company to tell them Im no longer working and on a fix income. They replied so what you have a debt. I told them at the time I can only afford $ XXXX monthly they stated unfortunately that will not work. I replied my account charged off/closed-why are you guys still opening and reporting a closed account. They stated because we can. Company constantly call my phone I had to block number. Now its XXXX they starting to report closed account once again.
Company Response:
State: FL
Zip: 33584
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A