Date Received: 2023-05-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, I initiated a balance transfer with Discover in the amount of {$4400.00} with no interest until XX/XX/XXXX. I have been making at least minimum due payments on my account. I have recently started making large payments in an attempt to reduce the interest I will be charged on XX/XX/XXXX. I looked at my last couple recent statements and noticed that of the {$1300.00} in payments that I've made for the time period of XXXX, only {$270.00} has been applied to my balance transfer remaining amount. I spoke with a Discover employee and a manager via online chat today, XX/XX/XXXX. I was advised that their policy is to apply any payment amount over the minimum due towards the purchase balance with APR. I asked if they could please make an adjustment and apply my payments to the balance transfer amount. I was told no and that no one at Discover could help me. I've been saving up trying to get this balance down to avoid interest and get my family back financially. I'm not asking for interest to be waived or anything like that... I just really need all these extra payments applied to the balance transfer. I was told the only way to get no interest charged on the balance transfer was to pay my complete balance for everything in full. Crazy how Discover 's motto is " We treat you how you'd treat you ''.
Company Response:
State: PA
Zip: 18103
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XXXX XXXX, 2023 I elected to patronize a balance transfer promo for XXXX $ with my discover card. I spoke with a representative from Discover to assure the details of the balance transfer promo was correct and he assured me it was. The promo offered two ways to receive the balance transfer monies. The transfer could be deposited into your checking account or paid directly to the balance of another credit card. XXXX $ was deposited into my banking account on Monday XXXX XXXX, 2023. ( Please see balance transfer promo attachment for promo details ). The problem is when I viewed my discover credit card on XXXX XXXX, 2023, I realized that the balance transfer of XXXX was ADDED into the total of the EXISTING balance on my Discover card which has an APR. I called Discover and asked " why are these two balances are not separate. When I pay the card, how will Discover know which balance to apply the payment. '' I was told that the payment would go to the lowest APR which would be the balance transfer. Any amount paid over the minimum payment for the balance transfer will be applied to the existing balance. This means, I will never be able to pay the promo balance within the 12 months and if it's not paid it will incur an APR of 27.74 %. I then told the representative that I would pay the XXXX back immediately. The representative informed me that, that would be an overpayment for the promo and the over payment would be applied to the existing balance. Summing it up, Discover is leaving the consumer, no way out. This is misleading, fraudulent, illegal and unbelievable! I do not want this fraudulent offer. When/ if I pay any monthly payment on the card, it is to be applied to the EXISTING balance. If it is applied to the PROMO balance that will be because they chose to do that and I have no control over that. OR I will elect NOT to pay this discover card anymore until this issue is resolved minus penalties. I'm asking if CFPB would please help me resolve this issue asap. Thank you very much for your time. ( Please see attachment ).
Company Response:
State: AZ
Zip: 85138
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Previous complaint never properly resolved. Overcharged {$71.00}. Merchandise either defective or provably undelivered. XXXX acknowledged the total failure and gave a {$7.00} shipping credit. An admission of wrongdoing. I received a letter from Discover saying the account is closed. Now a week later they are billing me for the totally bogus ILLEGAL charges and applying interest. Discover isn't clean as well having spuriously charged me {$30.00} on a " returned check fee '' when I wrote no check and had some problem getting Discover to recognize a new bank account. The ILLEGAL FRAUDULENT THEFT charges will never be paid.The account has been closed and I am NOT RESPONSIBLE FOR ANY DISCOVER FICTION.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XX/XX/XXXX I disputed a XXXX $ late payment on my credit card on a card I barely use. I paid it after they hit my credit score about it and it was on my credit report as unpaid and missed. I paid it, then I tried to talk to the creditor about the accident and I did setup payment reminders on that card but they were unable to update the payment from missed or forgive the remark. XXXX $ one time missed payment is not indicative of how trustworthy I am with making payments over my going on 10 years of making payments on time. It should be able to be removed and not drop my credit score XXXX points. The creditor is discover credit card. Overall theyve been my worst creditors out of the 2 credit cards I have open in how helpful they are and how their benefits work is hard to understand. To me it feels a little more personal because I use the card in instances I have no other option just in case so I barely use their services.
Company Response:
State: FL
Zip: 32327
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
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: A fake company made three charges across three of my credit cards, totaling {$2200.00}. A {$500.00} charge went to my Discover card. I have attempted to resolve this many times with Discover, over the period of a year and a half at this point. Discover first told me to contact the merchant ; however, since it is a fake merchant, the website, emails, and phone numbers have all been disconnected, and the address given is a vacant office ( I have spoken to the realtor leasing it, who confirmed the fake company are scammers and not the company they pretended to be ). No services were offered, rendered, or completed, and the fake merchant said that " services can be canceled for a refund. '' So even though no services were rendered I asked for a refund. The other two cards had the competence to cancel these fake charges yet Discover keeps putting it back onto my card. Not only does it keep reappearing on my card, now it is accumulating late fees and interest, even though the amount is larger than my balance, which I paid for all actual charges. So now Discover owes me money - I stopped using this account when I was unsatisfied with the lack of customer service. I have submitted documentation that has not been reviewed and I have called over twenty times over the last several months since XXXX- each time someone tells me they need to put me on hold to review my information, then either disconnects the call or transfers me to someone else who seems to have no idea what's going on and wants to start over. Today alone I have been on the phone for more than two and a half hours without any resolution as they keep saying someone will call me back but never does. This is shameful that a company can operate like this and put people 's perfect credit scores in jeopardy. Lastly, there are no authorized users on my account and have not been for several years, but Discover keeps emailing my account information to a former authorized user who should have no access to my credit info or account info whatsoever yet has access to my balances and everything. This is a very serious breach of privacy and security. Please fix this as I will never pay for a fraudulent charge. I used to use this card a lot for points but in the past two years I have had THREE FAKE CHARGES on my account and Discover has not fixed any of them. This is absolutely disgraceful.
Company Response:
State: NC
Zip: 28806
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received my credit report and found an account from Discover Bank. I have never had any accounts with Discover Card / Bank. I am a victim of ongoing identity theft and this account is a result of that theft. This account is not mine.
Company Response:
State: TX
Zip: 78746
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauXXXX XXXX and/or XXXX ) credit report. My latest credit report shows 5 credit inquiries that I did not authorize XXXX XXXXt XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX ( ALL ACCOUNTS ) XXXX XXXX ( XX/XX/XXXX ), 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, nor use my SSN without my consent or permission. LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER IIA 1679c Quick search by citation : Title enter title Section section 15 U.S. Code 1679c - Disclosures U.S. Code Notes prev | next ( a ) Disclosure required Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
Company Response:
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Hello, I am contacting you about an issues I am having with bank. I applied for a CD account with Discover bank. I was not allowed to complete the application on line the system closed me out and stated I needed to contact the bank. I did so several days later and when I did I was asked a few questions, the amount, the date I think I applied, the term, and rate. One associate stated she found the application and stated she needed to transfer me to someone else to finalize the application. She transferred me to another associate. When that person came on line she asked for my name and another verification information and then started that she found the application and she submitted it without verifying the information was correct. I asked why it didnt allow me to finish the application myself she said it was for security reasons. She told me I could go online to view the information. I did and saw that the rate was lower than what I selected online when I was trying to submit the application. I called the bank back and spoke to two people on associate and a supervisor who told me that I couldnt close the account until seven days later and that I would lose any interest that was accrued. That I told them was unacceptable since I did not make that error.
Company Response:
State: GA
Zip: 30458
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have settled agreements with the companies. All the XXXX accounts have been settled. The discover account has an agreement and payments are being made.
Company Response:
State: CO
Zip: 80130
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: For the past month, when I log into my Discover account to check my activity, there is a large advertisement, right up front. It basically says that they are offering a low interest home equity line of credit, in the event that I am looking to buy another house. I AM thinking about moving, so I was curious. It simply said to click on it to find out about using home equity for a down payment on a new house. I did NOT know that it was going to make a hard credit inquiry. Now my credit score has gone down. I actually had no intention of getting a loan at 12 %! It NEVER indicated it was a high interest loan. I have prided myself on keeping my credit score high. My financial accounts are spotless. As a result of Discover 's actions, my score went down XXXX points. Now I WILL NOT be able to buy a house with the best possible interest rate.
Company Response:
State: WA
Zip: 98584
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A