Date Received: 2023-06-05
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX has allowed Discover to report that my closed account ( of 6 years 7months ) was recently late. This has caused my payment history ( 35 % of XXXX ) to go from Good to Fair. This report is unlawful because this account hasnt been opened for 6 years and 7 months. This account is scheduled to be deleted from my report in XXXX ( approx 5 months ) why is discover now reporting the account as late when I filed for bankruptcy in 2016.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
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 ordered a coat from a merchant by the name of XXXX. Returned it, using the label provided by the merchant. 2-3weeks went by and I did not receive my refund, so I contacted the merchant. The merchant contacted XXXX in regards to this matter ; XXXX stated that this parcel was misdelivered. XXXX failed to retrieve the lost parcel, so they reimbursed the merchant/sender for the grand total. However the merchant never refunded me, even though they were refunded. I submitted a dispute with discover. I provided the label that was used, communication with merchant, and XXXX statement saying they reimbursed the sender for the lost parcel. Discover isnt being helpful and is basically trying to put responsibility of a $ XXXX charge on me, when this merchant was already paid once by XXXX .
Company Response:
State: NY
Zip: 143XX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I was told by a Discover Credit Card representative in XXXX of XXXX, that if I agreed to enroll in their Fresh Start Program, that Discover would decide what a new more affordable minimum monthly payment would be based on my card balance, and that if I agreed to enroll in automatic bank withdraws for XXXX consecutive months, never missing a payment, that they would remove the late/delinquent payments reported to the credit bureaus at the end of the 3 month program, and that monthly amount would be my new minimum monthly payment moving forward. The call was recorded. I wrote down and agreed to the Fresh Start Program. I had a new payment of {$270.00} automatically deducted from my checking acct each month. I haven't used my credit card in almost a year, and have made payments per the plan. The balance has increased {$770.00} throughout this program. My card was maxed at {$8000.00} now it is showing a {$8700.00} balance. Discover lied to me. The Fresh Start Program is false. I was financially exploited, and my credit score has dropped XXXX points. They did not remove late payments at the end of the program ( as I was told ). They did not stop reporting me as delinquent to the credit bureaus and now it appears I haven't paid them in over 6 months per my credit reports. Today I spoke again to Discover to try to get them to remove those negative marks as I was told they would. XXXX XXXX on our call XX/XX/XXXX from XXXX EST to XXXX said she understood I was lied to and was sorry that happened, yet all she can do is make a complaint against the agent that signed me up for XXXX XXXX.
Company Response:
State: NC
Zip: 27260
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been a customer discover for about a year. I have had issues within that year with hacking and other problems. I have recently been told that my identity has been compormised. I had an issue where someone was trying to log in as me to dispute charges on the bill. I did make some of the charges, and I had this individual try to damage and ruin my credit. I have reached out to discover to inform them that someone had hacked my email address and my computer and they shut my card down due to filing to many disputes. I was not the one filing said disputes, I recently got an letter from discover that was listed with my address to a XXXX XXXX, who lived at XXXX XXXX XXXX XXXX ohio XXXX. I am not XXXX XXXX I am XXXX XXXX. I believe that this individual might have something to due with the indentiy theft that has been occuring, also on my hot mail someone is trying to constantly log in as me and present false information. I am going to send you all of the documentation that has anything to due with this case. I current address is XXXX XXXX XXXX XXXX ohio XXXX.
Company Response:
State: OH
Zip: 434XX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/2023 {$5900.00} I was traveling in XXXX at this time and someone stole my wallet and my phone. I reported to the police and they called me in that they found my phone. Then I checked my phone and realized that they used my card and my phone to make a purchase via XXXX XXXX I called the Discover bank to let them know what happened and they started investigating On XX/XX/2023 I called in to check the status regarding the fraud that occurred amd they told me that it was denied. I told them that I didn't have the phone with me when the purchase were made with my phone. And they started re investigating. On XX/XX/2023 I called again for an update and thay explained that the dispute was denied due to the purchase being via XXXX XXXX and the Discover app was opened. I again explained that that is not possible because I didn't have it with me when it happened. But they said that they only do 2 investigation and once it's denied it can not be opened again unless there's any supported documents. On XX/XX/2023 I sent the police report that I filed which in XXXX with the translation. However not surevif the claim will be reopened so I wanted to do anything to solve it.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: To whom it may concern, I had a student loan with Discover Student Loans, which I paid in full XX/XX/XXXX. Since that day, I keep receiving physical letters from Discover. On XX/XX/XXXX, I requested them, in written form. through their website, to stop contacting me and to delete my personal information since the debt has been paid in full. They responded, in written form, through their website, that they would stop contacting me, unfortunately, to this day, XX/XX/XXXX, they are still sending me physical letters. Please proceed to instruct them not to contact me again, in any way, shape or form. Kind regards, XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In about autumn XXXX, XXXX turned my account XXXX, despite my many emails and calls about that and attempts to turn it in XXXX again, and despite my attached emails and calls to XXXX about defective product, XXXXXXXX XXXX unacceptable in-person customer service answer, its only routing my call abroad and its time-consuming, wrong information given by its departments abroad. XXXX, then, entirely denied me access to my account continuously for about half a year through now. Each time I attempt to contact XXXX about this, it notified me on its website and on the phone that it emailed me and, despite my confirming with XXXX that it had my same email on file as on my XXXX account continuously starting decades ago, I did not ever receive any of these emails XXXX said it sent during about all of XXXX. I was always, nonetheless, able to confirm my identity verification through confirmation of my receipt of XXXX 's text messages as I called XXXX and answering XXXX 's questions on the phone. On Saturday, XX/XX/XXXX, I heard for the first time that my Discover credit card had been charged many fraudulent -- including fraudulent recurring XXXX XXXX monthly membership though I have never once consented to XXXX XXXX membership -- charges to my credit card totaling thousands of dollars. These thousands of dollars of fraudulent XXXX charges started after I had notified XXXX, including by emailing XXXX, about XXXX XXXX denial of account access to me, such that XXXX was aware it was denying me the ability to monitor it. After I had emailed the CEO 's office at XXXX on Monday, XX/XX/XXXX, attached, XXXX at XXXX XXXX XXXX XXXX XXXX confirmed by email the next day on Tuesday, XX/XX/XXXX, that she had received my email to XXXX com at XXXX XXXX XXXX XXXX XXXX As the dilemma remains that XXXX has for over half a year access to my credit cards it stores on my account, accesses my Discover Credit Card to repeatedly fraudulently charge me, including with almost half a year of fraudulent recurring XXXX XXXX membership charges, which I did not know about and was not aware of, nor could I be, as it denied me access to my account without my consent, until I called Discover on Saturday, XX/XX/XXXX, Discover has not put, despite my repeated requests, stop payments on all 3 XXXX XXXX ID # s used on my account during the relevant time period nor did it dispute all these charges right away, nor has it ever disputed these charges in a manner that allows me to upload supporting documentation. Instead, Discover hung up on me 4 times during the equivalent of multiple entire work days, during which I got no work done, and for which I am not paid, and online attempts to communicate with it over the last 3 days, as I repeatedly requested these. Please note that I originally used the XXXX site itself, before complete access to my account was denied me, to request XXXX call me. I then used the telephone number that representative gave me to call XXXX. More recently, I used the telephone number on XXXXXXXX XXXX site for unauthorized charges and fraud, attached, and the telephone number on XXXX 's own Investor Relations site 's XXXX XXXX XXXX XXXX also attached. At that last XXXX XXXXXXXX XXXX corporate number, XXXX said she could not connect me to Executive Relations, XXXX corporate office or any XXXX XXXX customer service representative or any XXXX supervisor . Instead, she insisted on placing me in the global queue, at which a representative that sounded exactly like one of the ones I have been talking to during this debacle, during which XXXX repeatedly resolved nothing rather took up many days of my time making contradictory statements then eventually hours later stated I had been transferred to the wrong department and instead fraudulently charged my account repeatedly, answered. She answered again in heavily accented XXXX that is almost always extremely difficult to understand, and I started this complaint. After Discover Fraud Department Representative XXXX disconnected my first call, Discover Billing Disputes Representative XXXX, during Call Memo # XXXX, refused to dispute any XXXX charge at all. Then Discover Billing Disputes Representative XXXX said she blocked all 3 merchant ID # s XXXX had used -- its XXXX XXXX Membership Merchant ID #, its Amazon.com Merchant ID # and its XXXX XXXX XXXX ID # -- though after she put me on hold for most of an over 2 hour call, she then said she was going to hang up on me and deliberately hung up on me. Then, Billing Disputes Representative, XXXX, in XXXX XXXX, Ohio, said, during Call Memo # XXXX, that XXXX had XXXX only put stop payments on XXXX of those XXXX Merchant ID # XXXX and had not placed a stop payment on the XXXX XXXX XXXX ID XXXX. Then XXXX refused himself to put a stop payment on the XXXX XXXX XXXX ID #. He also said XXXX had not disputed the XXXX XXXX charge, as she had earlier said she had. I said to both XXXX and XXXX that the Discover Disputes site showed a spinning circle icon for each of the disputes and did not allow me to upload any supporting documents at all. Despite XXXX and XXXXXXXX XXXX assurance that it would allow me to at least within 24-48 hours. However, it never has and still remains in the same spinning icons status. XXXX had also said that I was not allowed to email my supporting documents to the Discover Executive Office at XXXX. Early this morning, instead of doing time-sensitive work that is going to rapidly be due to be completed, I called Discover Executive Office Representative XXXX at XXXX, who said that she opened a complaint. She said she would call me by the end of the day to give me the complaint number though never did. She said I had to attempt yet again to speak to a Billing Disputes Supervisor to resolve the above. She transferred me to Billing Disputes Supervisor XXXX in XXXX XXXX, Delaware, during Call Memo # XXXX. Despite my repeatedly telling him that almost all, and indeed 11, out of my 14 disputed XXXX charges are for unauthorized, fraudulent charges I was not even aware of and had no access to my XXXX account to be aware of, and 1 charge is for a defective product I had no account access with which to attempt return or exchange for almost 10 months, as the remaining 2 charges are for a defective product that was eventually replaced after delay though I need account access to confirm that after I repeatedly asked XXXX for an invoice though received none even before account access was denied me and the last for a similar product I might have ordered though need account access to confirm, he repeatedly contradicted me as he insisted these charges were for defective products. Then, he transferred my call to a department that could not even access or see any of my disputes at all. XXXX XXXX, in XXXX, in that department transferred me back to XXXX, who said that he had falsely changed ALL my disputes to state that ALL 14 disputes are for defective merchandise I had knowingly purchased then received. I requested that he render accurate his false statements and that he put the stop payment XXXX had promised to put then assured me she had placed on the XXXX XXXX XXXX ID #, the 3rd Merchant ID # Discover said was on my credit card account during the relevant time frame, as I had no access to my account to monitor XXXX 's continuous fraudulent, unauthorized charges. XXXX refused to block the XXXX XXXX XXXX ID # despite XXXXXXXX XXXX earlier promise to then assurance that she had. After I asked why, which I said made no sense given the dire situation and that the other 2 had been blocked due to the ongoing constant, extreme fraud coupled with denial by XXXX of access by me to my account, he said that he was going to reverse the stop payment on the 2nd XXXX Merchant ID # and unblock it so that that XXXX Merchant ID #, which had charged 4 unauthorized charges of almost {$1000.00} each in 2 days, on about XX/XX/XXXX and XX/XX/XXXX, right after XXXX was aware by my notification attempts that it was denying me access to my own XXXX account in order to monitor it, could resume fraudulently charging me. XXXX deliberately, after two entire days ' equivalent of lost work for which I am not paid of speaking to Discover about its deliberate repeated endangerment of my account as it hung up on me repeatedly instead of disputing then allowing me to upload supporting documentation about all these charges and my requests to block all XXXX Merchant ID # XXXX used on my account, now allows the XXXX Merchant ID # that fraudulently charged me almost {$4000.00} to charge me again repeatedly, fraudulently. I called the Executive Office for the third time just today, asked for XXXX, was told by XXXX that XXXX had gone for the day without ever calling me with my Complaint #, and asked that Executive Office Supervisor XXXX resolve the entire situation, then contact me confirming that he has and write me a snail mail letter in confirmation and answering all my complaints. XXXX then said I can email documents supporting my disputes, after all, to XXXX, after Billing Disputes Representative XXXX had said on Saturday just 2 days ago I could not and XXXX had repeatedly said neither she nor the Executive Office could do anything at all about Discover 's Disputes site not allowing me to upload supporting documentation. These are the Disputed charges : 1 ) Post Date : XX/XX/XXXX Description XXXX XXXX XXXX Amount {$16.00} 2 ) Post Date XX/XX/XXXX Description XXXX XXXX XXXX Amount {$16.00} 3 ) Post Date XX/XX/XXXX Description XXXX XXXX XXXX Amount {$16.00} 4 ) Post Date XX/XX/XXXX Description XXXX XXXX XXXX Amount {$16.00} 5 ) Post Date XX/XX/XXXX Description XXXX XXXX XXXX Amount {$16.00} 6 ) Post Date XX/XX/XXXX Description XXXX XXXX Amount {$820.00} 7 ) Post Date XX/XX/XXXX XXXX XXXX XXXX Amount {$950.00} 8 ) Post Date XX/XX/XXXX Description XXXX XXXX Amount {$960.00} 9 ) Post Date XX/XX/XXXX Description XXXX XXXX Amount {$960.00} 10 ) Post Date XX/XX/XXXX Description XXXX XXXX XXXXXXXX XXXX Amount {$37.00XXXX XXXX ) Post Date XX/XX/XXXX Description XXXX XXXX Amount {$31.00} 12 ) Post Date XX/XX/XXXX Description XXXX XXXX Amount {$0.00} Dispute # XXXX XXXX*13 ) Post Date XX/XX/XXXX Description XXXX XXXX Amount {$28.00} I am asking that Discover right away permanently refund me the sum of the {$82.00} total of the 5 fraudulent XXXX XXXX recurring charges and the {$3700.00} in XXXX fraudulent, unauthorized charges for a total refund of {$3800.00}. I also on Saturday night telephoned the XXXX XXXX and Unauthorized Charges Line Supervisor at XXXX. I spoke to Supervisor XXXX XXXX in XXXX, XXXX, though have not received access to my account yet, do not ever receive emails from XXXX, which XXXX said it sent today and each time I called about denial of access to my account over the last about half a year ( yet I receive emails from everyone else ) and have not received any credit yet. He said that, despite how the XXXX supervisor during my late XX/XX/XXXX call confirmed that XXXX had made an error causing me not to have access to my account and that XXXX error was the proven and only cause, XXXX now suddenly stated XXXX has added 2-step verification on my account and refused to assist. I obviously did not add 2-step verification on my account, after these earlier 2023 calls, as I had been told by the XXXX supervisor XXXXhat it was XXXXXXXX XXXX error causing denial of access to my account and causing my non-receipt of any XXXX emails XXXX Since I had no access to my account, to do so would be impossible. I spoke to XXXXXXXX XXXX XXXX supervisor, a manager who said XXXX can easily remove the 2-step verification now on my XXXX account under XXXX alone 's access to it, restore my access to my account and credit all the above charges. However, he refused to do any of these at all during that call and said he was going to call me back then hung up on me and never called me back.
Company Response:
State: CA
Zip: XXXXX
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: 2023-06-05
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: It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between your company and me. Please fix the following accounts : XXXX XXXX XXXX Balance : {$660.00} DISCOVERBANK XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$25000.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Demanded the account be closed in XXXX of XXXX. Still hasn't been done. Got dunned XX/XX/XXXX for {$15.00}. YEAH RIGHT! Closed accounts can't generate fees. WILL NEVER PAY. I marvel at Discover Banks inability to perform the simplest functions in the year XXXX. I am certain we will be soon bailing them out. What a bunch of XXXX XXXX.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Discover Bank Card Subject : Request for Account Deletion as per XXXX XXXX XXXX Points of Compliance I am writing to request the deletion of my account from your records in accordance with the XXXX XXXX XXXX Points of Compliance. As a consumer, I understand that the XXXX XXXX format is an industry standard for reporting credit information, and it includes guidelines for accurate and fair reporting. I kindly ask that you consider the following XXXX points of compliance and take the necessary steps to delete my account from your reporting : 1. Accuracy : I request that my account information be deleted promptly if it contains any inaccuracies, incomplete information, or discrepancies that may impact my creditworthiness. 2. Integrity : It is my understanding that you should maintain the integrity of my personal information, ensuring its confidentiality and protection from unauthorized access. 3. Promptness : I expect that you will process my request promptly, taking into account the specified timelines for deletion as per the XXXX XXXX guidelines. 4. Documentation : I request that you provide written confirmation of the account deletion, including the removal of any negative information associated with my account. 5. Compliance : I trust that you will adhere to all applicable laws and regulations regarding consumer credit reporting, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX guidelines. Please acknowledge this request within 3 days from the receipt of this letter and provide written confirmation of the account deletion as per the XXXX XXXX guidelines. Thank you for your attention to this matter. I appreciate your cooperation in ensuring the accurate and fair reporting of my credit information. Sincerely,
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A