Date Received: 2023-06-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The Discover online savings account jointly owned by me and my husband, XXXX XXXX, was fraudulently accessed twice, once on XX/XX/2023 and again on XX/XX/2023. On each occasion the person who accessed our account processed a wire transfer for {$20000.00} ( XXXX XXXX XXXX ). At the same time someone used all the DiscoverCard points accrued on our credit card to purchase six {$200.00} XXXX XXXX e-certificates. Total dollar loss to us is {$41000.00} That figure includes two {$30.00} wire transfer fees charged us by Discover. On XX/XX/2023, I immediately phoned DiscoverCard Fraud department as soon as I got the first email from Discover informing me of the wire transfer. At first, I thought the email was a scam but initiated a call to Discover just to be sure. The Discover employee I spoke to assured me there were no wire transfers showing on my account and felt the email to be a scam. They also declined my offer to forward the email to their security department -- saying it was not necessary. Later that same day a second email from Discovercard was delivered to my email inbox and it said essentially the same thing. At first I thought it was just a second attempt at fraud since I had not replied to the first email. But, just to be sure, I phoned DiscoverCard Fraud department again. As a result of that second call to them they did acknowledge that there had indeed been two wire transfers made from our savings account. An employee named XXXX on their Wires Team filed a dispute regarding those transfers and also changed the account number on our savings account. He suggested it would take two weeks to process the dispute and get any information back. I changed both my ID and password and then made another call to Discover, trying to determine how our account had been accessed so I could take any further steps available to protect the account from any further fraud. I have spent 3 days on the phone being transferred to one department after another, just to be told that department had nothing to do with my situation only to be transferred again. On just one day I was transferred and re transferred, speaking to eight different Discover employees. What Discover has done for me so far is to file that we a dispute the transactions. They also said they would, as a courtesy to us but not anything that they were required to do, send a request to the two banks the funds were transferred to asking that the funds be returned. Based on all the conversations I have had with Discover I believe that, as far as Discover is concerned, the only hope we have of getting our money back is if the receiving banks return the funds. This situation has been made much worse by Discover 's employee giving me the wrong information on my initial call and since then I have experienced stonewalling, 'that 's not this department, I have to transfer you ' again and again. They will provide me with almost no information about the transactions including XXXX codes or IP addresses, information without which I can not file a XXXX complaint with the FBI.
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Approximately in XX/XX/XXXX, Discover Card demanded that I send two years of my federal income tax returns to XXXX in order to prove who I was. This was for the Discover Card that I had since XXXX with an initial credit limit of {$8000.00} ( my credit limit was reduced in XXXX after I made substantial payments to Discover and other companies, without late payments ). I was trying to improve my credit rating. This is one problem.Going back to Discover demanding my tax returns in order to know who I was, I refused to comply with that request and discussed my concerns several times with Discover representatives who only replied, " This is our policy ''. I responded, " Discover knows who I am. I have had this account since XXXX and the other since XXXX. Additionally, in XXXX of XXXX, I stated, " Since Discover doesn't know who I am and I can not use the card, send me the {$4700.00} payment back that I just made so that I can continue to pay other cards off that allow me to use my card/s. they refunded me {$4600.00} via an electronic transfer after satisfying the current bill. I called discover back and asked, " How do you credit a {$4700.00} payment to me and return {$4600.00} back to me if you do not know who I am? ". After calling Discover 's Consumer Complaint # about one of my accounts being closed for no reason, they closed the opened account without any notification and stated about the first account closed that they would report that to the credit reporting agencies. As of today, I have not receive any notification that the second account would be closed. I found out when i tried to order a birthday card for my cousin. Closing my account may cause my score to drop. I paid my bills on time and i should not have closed accounts because i do not want to send my tax returns to Discover by way of a third party, especially for accounts that I have had for years.
Company Response:
State: IL
Zip: 60431
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I let someone use my phone during a visitation and he utilized my XXXX XXXX to send himself funds he previously prior to this event. This person sent money owed to me in increments that month and then sent it back to himself without my knowledge. After unlocking my phone to allow him to use it during a visitation, XXXX XXXX was able to be utilized. I never fathomed having to use facial or additional security and have never had money stolen to even need these security measures. My account reflects the lack of outward funds to anybody for any amount higher than $ XXXX in all these years of being a discover bank customer. I also hardly use XXXX XXXX and only set it up to receive the payments he said he could only send via XXXX XXXX. This person has also not returned calls or inquiries about this transaction, and has proceeded to change his phone number ( the number the XXXX XXXX was sent XXXX ), and there is a police report for the phone in question ( he also stole the phone ) the day of this occurrence as other issues arose. This was an unauthorized transaction on my account I request it be disputed. I disputed the charge, Discover removed it, then decided it was authorized. I also do not deal with this person, and since the incident have a police report and a restraining order. There have been many incidents with this bank account with Discover before this that have questioned my thoughts of discrimination against me with my financial partnership with Discover Bank. They should also be investigated for their " maintenance '' for days at a time ; making account holders unable to access funds. This has caused us to be stranded, without food/gas at times with NO email/alert to let us know of scheduled maintenance. There has been a time I was almost evicted as they randomly decided to stop XXXX for certain accounts before a particular date. My employer could not pay me on time and I almost lost housing, A phone rep ( on a recorded call ) said they would rectify any fees I incur with my landlord for the issue they caused. They never rectified the issue. These are just a few, of many issues I've encountered, but don't seem to hear other account holders facing said issues.
Company Response:
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: It says i have {$1200.00} in credit card debt, so i made a afidavit because i did not apply for any credit cards
Company Response:
State: TX
Zip: 75074
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
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: Discover Card refuses to let me use the {$1900.00} credit I received due to a fraud dispute being decided in my favor. I tried to do a car advance twice for the credited amount and it went through. Then it was reversed and taken out of my {$11000.00} credit limit. They refused to reverse it back forcing me to pay the advance off. I paid {$1800.00} on XXXX. Because they wouldnt credit me back the way they should have. Now I still haven't been able to access or use the {$1900.00} credit I was issued.
Company Response:
State: TX
Zip: 76140
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This company ( discover ) has called my phone more than 5 times a day for the past 2 weeks. Today I was able to show the collector calling me 6 times within a 24 hr period which is against the law! This company has been harassing me about debt that has already been charged off! To resolve this I would like some type of monetary compensation for the stress caused by these phone calls. Phone number I am being harassed by is XXXX
Company Response:
State: OH
Zip: 43228
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with non-monetary relief
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: A stored account ( account ID XXXX ) was created on XX/XX/2022, at Best Buy by unknown person with a false email address. A Fraudulent electronic purchase was done on above account for 2 items by using my XXXXXXXX XXXX. The purchase was done from XXXX XXXX XXXX XXXX traced to TX, XXXX ) - Order Number : XXXX Initially the shipping label was created with my ( Credit owner ) address, but the purchaser contacted carrier XXXX XXXX ) and has changed the delivery location to the XXXX pick-up point in XXXX XXXX, NY Then Unknown person picked up 2 packages on XXXX XXXX at XXXX location. 2 items were returned to Best Buy store at XXXX, NY location ( address is on the returning order ) on XXXX XXXX and exchanged on the same date for XXXX XXXX. Returning Order # - XXXX Since the return happened at the store location in XXXX, I require investigation : if all documents, required by the Best Buy for returning process, were required on the moment of return : receipt, the credit card used to make the purchase, and a valid photo ID.The returning receipt provided by the 'Best Buy ' store does not have evidence of the signature.
Company Response:
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2023-06-23
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: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern, You are in Direct Violation of the Fair Credit Reporting Act ( Discover Bank # XXXX ), has violated several of my rights. 15 U.S.C 1681 section 602 A clearly states that 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 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove this late payment and update this account immediately you are in direct violation of several laws under The Fair Credit Reporting Act ).
Company Response:
State: HI
Zip: 96744
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: Card opened as result of identity theft or fraud
Consumer Complaint: I've sent several letters out to Discover and they refused to remove the item. I am attaching it NYPD police report with hopes that this can be removed ASAP with the assistance of the CFPB.
Company Response:
State: NY
Zip: 10036
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: I am writing to file a complaint against Discover Bank for unjustly denying my recent claim for fraudulent charges on my credit card account ending in XXXX. Despite providing substantial evidence of the fraudulent transactions to both the bank and the XXXX Police Department, Discover Bank denied my claim, citing that the card was used with the chip and/or PIN entered, and thus implying that I was responsible for the charges. The fraudulent transactions occurred on XX/XX/2023, and I reported them to the XXXX Police Department as part of a financial fraud investigation ( Case No : XXXX ). The total amount of the unauthorized charges on this account is {$450.00}. A detailed list of these transactions has already been submitted to the XXXX Police Department for investigation. According to the Fair Credit Billing Act ( FCBA ), I am protected from liability for unauthorized charges on my credit card account. The FCBA limits my liability to {$50.00} for unauthorized charges, and many credit card issuers, including Discover Bank, have a zero-liability policy for fraudulent charges. Despite this legal protection, Discover Bank denied my claim and decided to remove the temporary credits applied to my account. I kindly request the Consumer Financial Protection Bureau to intervene in this matter and investigate the unjust denial of my claim by Discover Bank. I believe that the bank 's decision to hold me responsible for the fraudulent charges, despite the evidence provided, is in violation of the FCBA and the zero-liability policy. Please find the attached documents for your reference. I am willing to provide any additional information or evidence required to support my complaint. Thank you for your attention to this matter.
Company Response:
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A