Date Received: 2023-05-27
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 was overcharged for an order made on XXXX XXXX was unable to find resolution with XXXX as they wanted to give me coupons rather than a reimbursement. I filed a chargeback with XXXX XXXX XXXX refused to follow through with it. They have continued to ask for more receipts than what I have. I followed https : //consumer.ftc.gov/XXXX and submitted a letter to them to dispute the charge more officially, and they are still refusing to help. They acknowledged refusing to help over the phone, but the agent refused to send it to me in writing.
Company Response:
State: IN
Zip: 479XX
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Struggling to pay your bill
Subissue: Problem lowering your monthly payments
Consumer Complaint: I went over my limit months ago, my monthly payment since going over my limit has been XXXX something dollars every month since. Until my XXXX billing statement. My minimum monthly payment went from XXXX something dollars to over XXXX something dollars, which almost double my monthly payment. For the XXXX billing month I continue to pay my XXXX something dollars monthly payment, and since I didn't pay the XXXX something payment, the charged me a late fee. I called and asked why was I being charged a late fee, I was told as long as if I continue to pay my previous minimum payment and not the increase monthly payment of over a XXXX dollars I will be charge a late fee
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have several hard inquiries on my credit report that I didn't authorize or have any knowledge of... XXXX XXXX XXXXXXXX credit card inquiry on XXXX XXXX XXXX XXXX XXXX credit card inquiry on XXXX Discover financial credit card inquiry on XXXX XXXX XXXX XXXX XXXX XXXX credit card inquiry on XXXX
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: I've been getting mail with offers for applying for a XXXX credit card and other CC for months. I have called the number listed in said mail to stop the pre-screening. I've called twice in a 3-month span. It's a nightmare to get off the list due to the robot-assistant in the call but both times I haven't hung up until it confirms I'm off the list. I'm still getting unsolicited financial product offers such as the XXXX XXXX offer in my mail weekly.
Company Response:
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Credit card account ( XXXX ) account information detailed in Credit Karma is not being updated accurately. The account was updated on XX/XX/2023 as current. However, the Payment History does not display with a green check mark for the month of XXXX even though the account has supposedly been updated. By not getting the Payment History updated, I am not getting the increase in my credit score.
Company Response:
State: MD
Zip: 21113
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing because I am a victim of Identity theft. I have disputed the following account several times and it has come back verified every time. XXXX 's reporting a negative account on my credit report and I have reported the account to them directly and the buerers and they are claiming that its my account. I am requesting that the item be removed ( or request another specific change ) to correct the information. In addition, pursuant to FACTA..as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account ( XXXX ). The copies of the records can be mailed to me at the my address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My account was opened XX/XX/2023. My account closed on XX/XX/2023. At the time my account closed I did NOT have any balance. I received no statement for XXXX, no balance prior to my statement closing. I have no payment due in XXXX because when my statement printed in XXXX I had no balance. Discover improperly reported a balance on my credit report on XX/XX/XXXX, if though I did not have a balance nor a statement showing a balance or payment due. Discover must remove the improper {$210.00} balance that is reported to my credit report!!! LENDERS ARE ONLY SUPPOSED TO POST STATEMENT BALANCE!
Company Response:
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: need to re-verify dates Discovery Card fradulent activity
Company Response:
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
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 have paid off and closed my discover account back in XXXX now they are showing I owe them {$85.00} and I am 30 days delinquent result in drastic decrease of my credit score. I would request them to resolve this issue.
Company Response:
State: TX
Zip: 77092
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
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 prescription sunglasses from XXXX XXXX XXXX on XX/XX/XXXX for {$320.00}. After a long delay the safety glasses finally were shipped XX/XX/XXXX. When I received them they were defective and not functional. The model I ordered ( XXXX XXXX XXXX ) comes with a foam facial seal that installs into the frame of the glasses. The ones I received were made with lenses too large for the foam facial seal to install. I contacted XXXX XXXXXXXX XXXX and asked if they could remake the glasses so that the foam facial seal could be installed. They admitted there was a defect in my pair of glasses and sent me a return shipping label. I shipped the glasses back and USPS marked them as delivered on XX/XX/XXXX. After contacting them several times and not getting any expected ship date for the remade glasses, I requested a refund on XXXX. After waiting over a week I initiated a chargeback with Discover on XX/XX/XXXX. Only after this chargeback was initiated did XXXX XXXX XXXX issue a refund, however this refund was only for 50 % of my order total ( {$160.00} ) citing that they had a 50 % restocking fee. After XXXX XXXX XXXX issued the 50 % refund, Discover decided the dispute against me. Discovered state that even though XXXX XXXX XXXX sent me defective sunglasses, they would not go against XXXX XXXX XXXX policy decision to only refund me 50 %. I am now left out {$160.00} despite receiving defective sunglasses and returning them to the seller. I feel it is wrong that a company can send out defective products to customers and pocket over a XXXX dollars. I tried working with the seller so that they could correct the problem and send me functional sunglasses but they failed to deliver in a timely manner.
Company Response:
State: PA
Zip: 15239
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A