Date Received: 2023-05-30
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: XX/XX/23 - ordered food from XXXX XXXX for XXXX. My order was incorrect, poorly assembled, missing ingredients that were advertised, and overall extremely low quality. Very dissatisfied with the overall order and all item received. XX/XX/23 - submitted online complaint via contact form on XXXX XXXX website. Requested call back or email in XXXX hours. Never received any follow up. XX/XX/23 - called XXXX XXXX and was told they would refund my order Withings 3-5 days. Never heard back from them and that turned out to be a lie from the XXXX XXXX customer service agent. XX/XX/23 - filed dispute with my Discover card letting them know I received incorrect food/order and I was dissatisfied with the quality. XX/XX/23 - Discover told me they can not proceed with my dispute stating, We can not, however, continue further with the investigation on your behalf with the merchant based on the reason you have provided for requesting to dispute this transaction. Discover is not explaining why they can not investigate my dispute. I received the wrong food and my order was not as advertised, hence I was highly dissatisfied with the quality.
Company Response:
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I reside atXXXX XXXX XXXX XXXX in XXXX VA XXXX.My landlord is deceased on or around XXXX XXXX he died intestate. The social worker for XXXX XXXX is attempting to contact An attorney She had a complete XXXX XXXX and, has the XXXX XXXX XXXX XXXX and is under XXXX XXXX XXXX.I request they stop contacting me and file a claim with XXXX XXXX 's estate
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Discover Account ending in 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 the late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response:
State: AZ
Zip: 85286
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: There are 2 names on my credit report. My name and XXXX and my twin name is XXXX. XXXX XXXX XXXXXXXX, XXXX and Discover I didn't apply for anything from these companies. Also my address is wrong I never lived in XXXX, NC nor XXXX, Virginia.
Company Response:
State: NC
Zip: 27858
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Discover Card is refusing to provide me with an accounting of how they apply my payments, and is intentionally avoiding transparency in their handling of the funds I am paying them. Discover accepted several balance transfers from me over the past few years. Several times ( XXXX in the last 90 days ), I have called Discover Card Customer Service in an attempt to get information about how they are applying my payments to the different balance transfers currently on the card. They assert that nobody can provide that information, because it is an algorithm that assigns the funds ( which is absurd - people write algorithms and someone there knows how it works ). The real problem, from where I am sitting, is that they seem to be hiding behind a phony technical challenge to avoid customers finding out that their algorithm does not follow the description given to me by customer service of how the payments will be allocated. They claim to have a payment application process as follows : the minimum payment goes to the balance with the lowest interest rate. They further claim that everything over the minimum payment is then applied to the highest interest rate balance, then to the next highest, and if more than XXXX balance is at the same interest rate, they will apply any remaining funds to the balance transfer that will expire first. This is not how the math breaks down on my actual statements. Example 1 : XXXX of the balance transfers had an introductory period that ran out when there was still a small balance. Per my contract, the balance was transferred to the current XXXX XXXX the card has. I have no issue with that. However, for XXXX months in a row, I paid much more than would have been required to pay off the balance that was at the XXXX XXXX. Nevertheless, every time a new statement was generated there was a small amount of " trailing '' interest that they had not paid off. The reason I noticed this was because it was in opposition to what Discover had told me would happen. Each month a tiny balance was still left under the XXXX XXXX - again, a much higher rate than any of the balance transfer interest rates ( we are talking month after month balances as small as {$1.00} and eventually {$.00} stuck at that XXXX XXXX ). I do not use the card for purchases, so this balance can not be left from a purchase- it is left from the small balance transfer whose intro rate ran out and so it was moved to the XXXX XXXX. Example 2 : Another balance on the card is at a 6.99 % interest rate. Discover customer service itself told me that if I paid an amount in excess of both the balance on the purchase rate, and the balance on the next highest interest rate, and the balance on the next highest interest rate after that one, I would have paid off all the balances that were due before XXXX, XXXX. I did the math and anything over {$10000.00} would have covered all of those balances, so that is what I paid. However, on the next statement I still had balances at ALL those interest rates. Unfortunately, I have more examples of this. Yesterday, I spoke with someone fairly high up at Discover. It became pretty evident to me that she was not only familiar with this issue, but familiar enough with it have a ready-made " nice '' thing to do in hopes I would be quiet and go away- she removed all of the interest from my last month 's bill. She could not, however, tell me anything about the mysterious algorithm, and gave no response when I asked her why the real-world payment application did not match her explanation ( and all the Discover Customer Service Rep 's explanations ) about how customer funds are allocated to balances. My particular story is not very dramatic, and I am not here to complain about a few pennies in interest. I am here to complain that it can't possibly be ok for a major credit card company to refuse to tell you how it allocated past payments. In addition, considering how many people probably have Discover Cards, my few pennies could scale up to real money if they are doing this to everyone. It is deceptive, misleading, unfair, opaque, and insulting. If it isn't illegal yet, I hope it is soon.
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Today, I had an opened letter in my mailbox asking for a change of address for service purposes. It was not in an envelope. It was wide open for anyone to see my personal business. I have already responded to this attorney regarding this debt, and I find this tactic ignoring my right to privacy and protecting my personal information.
Company Response:
State: MO
Zip: 63043
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I settled with Discover Financial on a debt which I dutifully paid for a year. XXXX and XXXX tried to collect a sum over and above the agreed upon amount - not by much, maybe less than {$100.00} of what was agreed upon, but when I closed the account believing that we had settled the agreement, they then rescinded the agreement with Discover. I was represented by a lawyer who made this agreement, when XXXX XXXX XXXX contacted my attorney separately by phone to negotiate this agreement. I repeatedly tried to call XXXX XXXX XXXX to straighten this out, and the representative was rude and hung up on me and would not give me receipts of payment or discuss the matter with me. That was over 4 years ago, and now I'm being sued for this same debt that I already paid.
Company Response:
State: MO
Zip: 63043
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a Discover credit card in XXXX of XXXX. I understood that it was a no interest charge card. An interest charge has never appeared on my mobile banking app. For months I have been trying to pay down my credit card with no success. On XX/XX/XXXX I opened a chat with Discover. I was informed that I was being charged interest ( nearly {$3000.00} in the last 24 months alone ). I went back through my statements on my phone and saw XXXX interest charges. When I asked about this the representative told me that interest fees do not appear on their mobile app statements, only on a computer. I do not have access to a computer. When I told them that, they attempted to transfer me twice, only to not respond after 20 minutes.
Company Response:
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I applied for and received a Discover Balance Transfer Card. The card was mailed to me and I received it and called the number on the card to activate it. After about 10-12 days I got a letter that said you need to activate your card and we need more info. Now this is AFTER I was told it was approved and I have the card in my possession. I called the Company on the number on the card and said I wanted to do a balance transfer ( that was the whole purpose of getting their card ) she took all my info, and after 20 Minutes on the phone she said was All Taken Care of. I got some phone messages that said I need to contact them so I contacted them again. I was told that they needed to verify me. She said they needed authorization to contact the IRS for my last two years of returns. So I did that form and sent that to them. Another week goes by and I get more messages and a letter that said you were not approved for the Balance Transfer. WTH?. They said they needed MORE INFO now. She sent me a link for me to use my XXXX to take a Selfie and the front and back of my D.L. I did that ... ... they contacted me back and said it didn't work! So I did it again ... ... they said it didn't go through and " if I didn't get them what they wanted they would just cancel my card ''. They gave me an extension and they sent me a form to have Notarized and I had to get a Signature Guarantee also ... ..this cost me time and money! I got it done and emailed it in. I called to follow up and they said that they didn't receive it! I sent it again ... ... so that was sent in TWICE. Now another two weeks goes by... ..I have an approved card in my hand and can't use it as they have discriminated against me for some reason. I get a letter in the mail yesterday that says ... ..We canceled your account. We could not Verify you! Now my Credit Score Drops because of this and I am out of time and money! So to Recap : Got an Approved Card ... ..got a TON of runaround ... ..now I take a HIT on my Credit score Because of their incompetence! This is NOT how you do Business! WHY DO YOU SEND THE CONSUMER THE CARD AND TELL THEM IT'S APPROVED AND THEN DO THIS TO THE CONSUMER????
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: An unauthorized credit card account that was opened in my name without my consent. Despite my diligent efforts to report and resolve this matter, I have recently received a letter ( XX/XX/2023 ) from Discover Bank stating that the investigation has been completed, and no fraud was found on the account and I am responsible for the balance of nearly {$50000.00}. They are going to report that to the credit bureaus. I strongly disagree with this conclusion. When I discovered that an account had been fraudulently opened in my name, I immediately contacted their customer service department and reported the unauthorized account. I closed the account and reported the incident to all three major credit bureaus, who subsequently removed the account from my credit reports. I am deeply concerned about this decision, as I have unequivocally asserted that I did not open the account nor incur any of the associated charges. I did not initiate the application process for the credit card account in question. I have never submitted an application, provided consent, or engaged in any activity related to this account. I have never had an actual physical card, so I could not even say the last four digits of the card when i was closing the account. I had to give my social security number to an agent for finding the account. I promptly reported the unauthorized account and diligently followed the recommended steps to close it.
Company Response:
State: FL
Zip: 33040
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A