Date Received: 2023-12-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: discover closed account ending in XXXX and said they will delete off credit but still there is a balance, I need balance and crd removed, according to usc1681i ( 5 ) and there owns words, it should be removed asap
Company Response:
State: CA
Zip: 90001
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Dear Discover, I would like my account reconsidered and to be re-opened and remain opened and my great relationship with Discover Bank to be re-opened and remain opened. Credit cards needing to be re-opened and remain opened : 1. Discover DiscoverIT Cash Back credit card ending in XXXX 2. Discover DiscoverIT Cash Back credit card ending in XXXX As a loyal Discover active member, I need my accounts to be opened. In the past 8 or so years I have talked to many representatives who misheard me or gave me wrong information regarding my accounts when I was simply trying to get new account numbers due to fraudulent charge ( s ) as someone gaining access to my account and me misplacing my wallet. It looks like that was resolved as they told me to fill a SSA form afterwards which I did in XXXX and Discover confirmed its receipt but still closed my account in error. In the midst of all of the confusion, which was also my fault because of miscommunication, it triggered activity on my account leading to someone closing my account in error. I am also not very technologically savvy and have a XXXX. It was a simple request to get a new number due to fraud. I had not even gotten the chance to use my card which is what I was excited about. Moreover, this is going to hurt my credit score ( as I have {$10000.00} credit limit on this account ) and will overall hurt my credit really badly so I want to avoid this. I am also traveling soon and will need to use my credit cards. I was told to fill out an SSA form afterwards which I did in XXXX and Discover said they received it but they closed my account due to error. I would like you to please reconsider the closure of my account and please re-open my card with a new number and send it overnight. I have developed an action plan and will do my due diligence moving forward to have optimal security avoid any misplacements or even fraudulent activity. I can assure you, this will never happen again. I also placed extra security including security alerts on both my social security card and the credit bureaus. I am also happy to oblige and comply with any further action plans that Discover may want to ensure my security. I am appreciative of you re-opening my cards and sending me new numbers. Please do not close any of my accounts again. Please re-open and keep open my great relationship with Discover. Thank you for your time, understanding, and patience and thank you for re-opening my card.
Company Response:
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have an issue with Discover ; over the past three years, I have been experiencing severe medical problems. I was late on payments, and they suspended my account. I was advised in XX/XX/2022 that if I make continuous payments, they may restore my charging abilities. Discover did inform me that this is not a guarantee. So, I have called a few times regarding this and received the same scripted response. Recently, I called willing to pay off the total balance owed and still received the same response. I was also advised there is a closure date on my account and charge off date for not making payments timely. I take responsibility for that. The issue I am having is that Discover cant provide me a date when I can have my charging privileges restored, but they want me to keep making payments. I have spoken to people who work directly for Discover, and I have seen the physical policy and feel its a deceptive policy. Discover is giving the hopes of their customers to get their prices restored but never intended to restore privileges. They are giving false hopes and expect people to pay these balances, and then their misleading policy says we will review other accounts to see if we can have our card back on. I feel this is a bait and switch ; we will never turn your card back on regardless of whether the payments are made on time again, and the balances are low. Based on my training, this seems to me like a deceptive act to get money but never provide the services that are promised. We may restore services, and if they have no intentions of restoring services, they should disclose this to customers. Again, I have physically seen an account with Discover locked for over two years because of their credit report.
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/2023, I attempted to pay my minimum monthly payment through the mobile Discover app. I was unable to add my bank XXXX XXXX XXXX despite submitting the correct account and routing credentials. I have a screen shot showing this ; the result makes me suspect that these issues are systemic/software based. Nonetheless I contacted XXXX to make sure there was no blockages or restrictions on my account. I can confirm that there was nothing in XXXX systems blocking these actions. I then reached out to Discover letting them know that I was having issues adding my bank account to pay my bill. I gave them my XXXX account information and they told me that my account was either not active or prohibited. This means I had to prove the account was active by reaching out to XXXX and merging the call. The call ended up dropping for some reason and I had to restart. I was able to get both parties ( Discover & XXXX ) to be on the call together. They verified my information and validated that my account was active. The Discover representative informed me that the payment would go through and I don't have to do anything else or worry. I have emails confirming the payment went through from my XXXX bank account on the XXXX, from Discover. I check a few days later on the app and see that I am still late on a payment. I was confused and realized that the payment didn't go through. I end up using the debit card for my XXXX account to pay the now late monthly payment. I shouldn't have been late if Discover systems accepted the validated XXXX account information. Also if that method didn't work it is Discover 's responsibility to reach out immediately with alternatives. Now I have a delinquency on my credit report for something I had no control of. When I call Discover and inquire about them removing it they say that they can't because " its not a Discover error, its a bank error ''. Technically it would be a Discover error because they asked for the wrong information and didn't contact me in reasonable time to address the issue. Also my bank has no showings that Discover returned any payments from the XXXX. The odd part is that all the information I provided was correct and cosigned by a bank member. Its Discovers prerogative to ensure that the proper measures are taken and that means asking for relevant information. The ruling is that Discover made no mistake since they couldn't locate my account based off the information I provided. I only provided the information they asked for, if they understood the situation more and requested the right things this probably wouldn't have happened. They still are blaming XXXX which I don't understand because they had no influence on the payment being made. This negative on my report is invalid because all the information I provided for the account holding the funds was correct. So you either blame Discovers system or their representatives ignorance for the way the situation unraveled. To make things worse the calls were recorded and played back. All the information was proven to be right, but Discover 's system still failed to locate my bank account. It was my first ever late payment and I had no real liability in the situation. I took a lot of time and effort trying to make the payment to avoid the credit tank. To make things worse Discover hasn't provided any evidence that my bank returned or denied a pull for the funds. Like I mentioned earlier I have emails confirming payments made from XXXX on the XXXX, that were sent from Discover. I need to get this off my record because I actually attempted the payment with the resources they offered, mind you before the deadline. And I definitely had the funds in the account so that wasn't the issue.
Company Response:
State: NC
Zip: 28054
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I am a victim of Identity Theft there are seven accounts opened under my name and social security number and Drivers License.
Company Response:
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: A check for {$2600.00} was written in error and mailed to Discover credit card company and cashed on XX/XX/2023 We have no relationship with Discover card. I went through my bank and they said theres nothing they can do. I called Discover card at least XXXX times Every time I get a different person and nobody can help me get my money back When talking to the people at Discover, they can see the check and they can see they cashed it since we dont have an account I dont know where they applied that money. All I know is they wont give it back to me
Company Response:
State: CT
Zip: 06410
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681 section 602, establishes the importance of consumer reporting agencies like XXXX, XXXX, and XXXX conducting their substantial responsibilities with fairness, impartiality, and respect for consumer privacy. Under 15 USC 6801, it is mandated that financial institutions maintain an ongoing duty to honor customer privacy and secure sensitive personal information. As such, DISCOVER BANK, categorized as a financial institution, is bound by these provisions. Specifically, 15 USC 1681 section 604 allows consumer reports to be furnished solely with the consumer 's written permission. However, I have not provided DISCOVER BANK or the mentioned consumer reporting agencies with my consent, in any form, to share my information. Furthermore, under 15 USC 6802, a financial institution is prohibited from disclosing personal information to unrelated third parties without informing the consumer of their right to prevent such disclosure. I was not made aware of this right by DISCOVER BANK. Moreover, 15 USC 1681C ( a ) ( 5 ) restricts consumer reporting agencies from including certain negative information older than seven years in their reports. Any reporting of such outdated adverse information by these agencies without my consent is a violation of the FCRA. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the dissemination of information by any entity if there is knowledge or reasonable belief that the information is incorrect. Consumer reporting agencies are required by 15 U.S. Code 1681e to establish adequate procedures to prevent violations of section 1681c and ensure that consumer reports are only used for authorized purposes. Failure to maintain these procedures by XXXX, XXXX and XXXX would be non-compliant with the FCRA. Lastly, as per 12 CFR 1016.7, I am entitled to opt out of such reporting services at any time, which I am hereby exercising.
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Discover has inaccurately and illegally reported false information and a fake account to my credit report on XX/XX/2020. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used Discover before in my life.
Company Response:
State: TN
Zip: 38118
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the Fair Credit reporting act the following creditors violated my rights under the XXXX XXXX XXXX section XXXX o XXXX states " I have a right to privacy ( XXXX XXXX XXXX section XXXX states a consumer can not furnish an account without my written instructions under XXXX XXXX XXXX, my Discover account, Bank XXXX XXXX, XXXX XXXX, and XXXX XXXX. Looking to have it reflect correctly on my XXXX, XXXX and XXXX account. Under the FDCPA, a debt collector XXXX not call any person repeatedly or continuously with the intent to annoy, abuse, or harass them. I received multiple calls from Discover demanding payment from a debt that is now in a charge off state, I need the following accounts removed from my credit asap, because I have every right to fair treatment.
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/XXXX, Discover informed me they had reduced my credit limit by 25 % on XXXX card and by over 70 % on my other card, severely impacting my FICO credit score, which according to Discover 's site is currently XXXX, which does not seem to warrant this negative action. I have always made my payments on time and have never given Discover any reason to suspect I won't pay them. This is after they attempted to close my accounts previously due to their own errors and what I suspect was discrimination, as I documented in a previous complaint. I suspect that this action may be in retaliation for that complaint or further discriminatory action, as no other credit card company has taken such actions against me and I receive several offers per week for new cards from other companies. This is now the second time Discover has taken negative actions against me that I've had to bring to this agency which negatively affected my credit score and financial planning for which there does not appear to be a good reason other than they just don't like people like me. My current credit profile looks very much like it has at other times I've had cards with Discover when I had major purchases to make, such as the XXXX holidays, and I've always paid on time, and returned to a favorable credit usage status on my credit report overall so I'm left to believe it's simply retaliation for my previous complaint or discrimination. I didn't bother contacting the company because the last time I had a complaint, which was resolved in my favor, they gave me the runaround for weeks wasting hours of my time and forcing me to complain to this agency to obtain correction of their mistake.
Company Response:
State: WV
Zip: 26501
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A