Date Received: 2023-05-09
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: In XX/XX/XXXX, I requested services from an independent vendor on the XXXX platform for an original policy and procedure for the State of Maryland Developmental Disabilities Administration Comar Regulation - application requirements. Upon receipt/delivery of the finished work, I read through the document and immediately recognized that the documentation wasn't at all what I made my request for. It was a generic policy and procedure for a home care agency, which isn't what I requested. I provided the vendor with the exact list of what was to be included within the policy and procedure to be in compliance with the state of Maryland Comar regulations and receive a license to become a provider. I immediately contacted the vendor via the XXXX platform to request a FULL REFUND because I was not at all satisfied with the work and it didn't even meet the State of Maryland 's requirement. On XX/XX/XXXX the vendor, XXXX agreed to cancel the order and give me a refund. On the same day, I filed a dispute with Discover to ensure the this complaint was on record with them and that I wanted to get a FULL REFUND from the vendor and FIVERR. In to the complaint with Discover, I provided them with proof of the via XXXX communication with the vendor that he would give me a refund. On XX/XX/XXXX this message was posted to my Discover account " Dispute Resolved, Credit has been reversed. We have reversed a credit transaction which was previously applied to your account. This was done either because the merchant also issued a credit to your account, or because you recently requested us to close the investigation. Accordingly, we have placed the charge back on your account. '' Unfortunately, I didn't receive the credit from the merchant/XXXX and Discover didn't ultimately didn't reverse the charge of {$670.00} back to my credit card account. I have contacted Discover about the charge and my dispute, but they are refusing the do anything not even call back.
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
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: We purchased flooring and installation from XXXX XXXX. The salesperson told us that we would receive discounts for mid-week installation, yard sign, and flexible scheduling. She XXXX she was not able to give us any receipt, other or contract as she had to get the discounts added in, and could not print in from her tablet, could email it from rhe tablet, but that the installers would bring it out. We agreed to be signed up for emails in the future. XXXX 's website states there shall be a {$300.00} discount for signing up for emails. We were told that the final contract and a receipt would be brought out to us by the installers. The installers brought no documents. After spending several months trying to get even the contract, we filed a complaint with Discover. Discover did not investigate the complaint. Instead they told us to file a XXXX complaint. We filed with XXXX. XXXX did not respond to the XXXX and the omplaint was closed. XXXX has violated C.R.S 6-1-105 ( 1 ) ( l ) which states, '' Makes false or misleading statements of fact concerning the price of goods, services, or property or the reasons for, existence of, or amounts of price reductions ; And CRS 6-1-105, 'which stateslFails to deliver to the customer at the time of an installment sale of goods or services a written order, contract, or receipt setting forth the name and address of the seller, the name and address of the organization which he represents, and all of the terms and conditions of the sale, including a description of the goods or services, stated in readable, clear, and unambiguous language ; Discover needs to do an actual investigation into the receipt issue.
Company Response:
State: CO
Zip: 80538
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Discover Home Loans I have FEMA proof that I dont need Flood Insurance for my Home Loan. Also, XXXX, XXXX XXXX, and XXXX XXXX knew I didnt need it. Some of the almost 8 acres is low, but has no buildings on it. I think Discover 's 'policy ' to require Flood Insurance if any of the land is in a flood zone is related to them taking my interest on escrow, which is illegal in 15 states.
Company Response:
State: AL
Zip: 36575
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account has been previously disputed multiple times and complaints filed with the CFPB with no resolution. The Discover Bank card account continues to provide different account information year after year. The various attachments to this complaint are provided by various credit bureaus to show how the payment history and account closure date and status change every year even when I dispute the information with Discover and XXXX with provided documentation. This account was paid and closed XX/XX/2021. It has continued to report different information between various credit bureaus ( XXXX, XXXX, XXXX ) which has had a severe negative effect on my ability to obtain personal loans for the continuance of my education. It has been stated on a recorded line by XXXX that it can be visually seen that the information is reporting incorrectly, but nothing will be done. This is in violation of consumer laws with the FCRA for " Treatment of inaccurate or unverifiable information. '' It states that If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I have requested Discover to correct the account, but that has failed. At this point, the account should be removed. I paid the account in full and was informed that the account would be closed after the last payment, but it was not. There was a random {$0.00} applied to the account from Discover months later which further delayed the closure of the account and the continuation of reporting inaccurate information.
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
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: To whom it may concern, My name is XXXX XXXX, and I am writing to seek justice for the deceptive and illegal practices committed by Discover Card. According Discovers marketing and verbiage, all Discover customers are protected by a {$0.00} Fraud Liability Guarantee, which means youre never responsible for unauthorized purchases on your Discover Card account. ( XXXX XXXX XXXX ) Further, according to the same above mentioned source, Discover monitors your account through a free service called Proactive Fraud Monitoring. This tool is constantly monitoring your card for any fraudulent activity and notifies you if any suspicious activity is detected. On approximately XX/XX/XXXX, I authorized a ONE TIME payment to XXXX XXXX XXXX on behalf of a former friend named XXXX XXXX. Through an automatic payment system, I provided my number and authorized a ONE TIME charge in the amount of {$58.00}. I further got verbal confirmation from the fraudulent company that it would be a one time charge, and also informed Discover Card that I had authorized a one time charge. I considered the matter closed as I thought XXXX XXXX would be a somewhat ethical company. Sadly, I was mistaken. No reasonable person would assume a one time charge would be consistently repeated for over a year. Further, due to Discovers so called fraud protection, I was led to believe this unauthorized recurring charge would be picked up. Approximately a year later, I was made aware of the charge. I did not think to look at my statement for this charge. Upon seeing the years worth of charges, I contacted Discover to dispute the charges. In essence, Discover said I am responsible for all but two of the charges because I did not report it in time. I contested this extensively with both the dispute and fraud departments. I contacted the executive offices of Discover and spoke with a rude individual named XXXX who said I would be contacted within 14 days. Sure enough, I was not contacted. A temporary credit was issued for the charges. On XX/XX/XXXX, I again contacted the executive office and spoke with an agent named XXXX. This agent of Discover in fact CONFIRMED that the charges were reversed and the fraud claim was found IN MY FAVOR. After an hour of discussion, I asked XXXX to again confirm the case was found in my favor. The agent indeed confirmed and would send an email with her contact information. I confirmed that my email to the agent was waiting for an email. Sure enough, no email arrived. I again called back to the same number and asked to speak to XXXX, and agent XXXX and XXXX said there is no record of you every speaking to XXXX. Today, XX/XX/XXXX, I was able to reach XXXX on a recorded line and she has now changed her story. Now she is saying that even though a case can be closed, it can now be reopened with additional evidence. I asked what additional evidence was given, to which no response was provided. No proof of so-called evidence or agreement by me for these charges. However, XXXX did confirm that the verbiage on my statement of Security adjustment refund is only given when a case is found in favor of the customer. But they are now rescinding and saying in fact I am at fault for the fraud. I believe this to be an asinine and illegal set of activities committed by a company who claims to protect its customers from fraud, and therefore makes billions of dollars based on these false allegations. I ask the attorney general 's office to look into this matter for the safety of unsuspecting customers and citizens.
Company Response:
State: WY
Zip: 82901
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023, a scammer posed as me and sent a wire transfer from my Discover checking account in to their XXXX bank account. I received a call from someone claiming to be from Discover bank. In fact, the phone number that appeared was Discover 's phone number. ( a known number/device ). There was some sort of XXXX card swap/takeover of my phone. I could not make or receive calls from my cell phone because everything was being taken over by this male scammer. We reported that our account had been drained by this person 10 minutes after the wire was sent through. Discover said they would issue a wire recall but could not guarantee XXXX bank would work with them. Within an hour we filed a police report and the officer told us this is becoming more common with the cell phone takeover. Interesting enough, Discover told us that there was an unsuccessful wire transfer 2 days prior to this but there was not enough money to cover it. If we would have been notified, this could have been avoided. After several attempts to work with Discover and their XXXX XXXX, we received a call from a supervisor that since the Wire Transfer request came from a " known device/phone number '', they did not break protocol and will NOT be returning our {$12000.00}. We reported that our account had been drained by this person XXXX minutes after the wire was sent through. Discover said they would issue a wire recall but could not guarantee XXXX bank would work with them. Within an hour we filed a police report and the officer that came to our home, told us this is becoming more common with the cell phone takeover. This has left us in terrible financial ruin and 3 months behind on rent.
Company Response:
State: CA
Zip: 94061
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I am writing to address your egregious lending practices, which are a clear violation of federal law. Referring to 15 USC 1602, I am now fully aware that I am the CREDITOR and that you have taken advantage of me as the fiduciary. Your actions have knowingly violated several lending practices, which is a blatant disregard for consumer rights. Under 15 USC 1611, I hold you criminally liable for your willful and knowing violations. You have knowingly deceived me on what was being requested and failed to disclose that you did not have proper documentation, and conducted deceptive practices. Your actions are completely unacceptable and will not be tolerated. You provided no insurance or documentation to waive, and failed to provide any information on educating consumers about their option to rescind. To make matters worse, you reported two account numbers to the credit bureaus, which is a clear violation of consumer protection laws. As a result of your deceptive practices, I will be exercising my rights under 15 USC 1691. Your actions have caused great stress on me and my family, XXXX XXXX XXXXXXXX and negatively impacting my livelihood and relationships. These effects have been documented with the Veteran Administration. In accordance with 15 USC 1681, I want to make it clear that you took advantage of me, deceived the IRS, conducted deceptive practices with the Credit Bureaus, and were NOT forefront with the CFPB. Your actions are not only illegal but also morally reprehensible. I demand that you take full responsibility for your actions and make restitution for the harm that you have caused me and my family.
Company Response:
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Company is reporting info on account where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX ),
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
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: I am writing to request an accounting of the amount owed under the security agreement between us, as governed by UCC 9-201. As a responsible debtor, I believe it is important to ensure that both parties are aware of the exact amount owed, as well as to verify that your records are accurate. Accordingly, I am requesting that you provide me with a statement of account that includes the amount owed by me, the amounts I have paid, any credits or offsets against my account, and the remaining balance owed by me. Pursuant to UCC 9-201, I am entitled to receive this information at any time before my debt is fully satisfied. I am requesting that your company send me a full audit trail of my COMPLETE file, transactional history NOT bank statements, and accounting ledger that is authenticated by a secured party pursuant to U.C.C 9-102. UCC 9-201 is a section of the Uniform Commercial Code, which governs secured transactions in the United States . It outlines the rights and responsibilities of both secured parties ( creditors ) and debtors in these transactions. A " request for accounting '' under UCC 9-201 refers to a request made by a debtor to a secured party for an accounting of the amount owed under a security agreement. This request can be made at any time before the debtor 's debt has been fully satisfied. Once the request is received, the secured party must provide the debtor with a statement of account that includes the following information : The amount owed by the debtor The amounts paid by the debtor Any credits or offsets against the debtor 's account The remaining balance owed by the debtor The secured party is required to respond to the request for accounting within a reasonable amount of time, and failure to do so may result in legal consequences. Please note that if this information can not be provided, I kindly request that you delete this account from my credit report as it is my right as a consumer to ensure that my credit report is accurate. I am confident that you will respond to my request in a timely and professional manner as I understand that you have certain obligations under the law.
Company Response:
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: In accordance of the fair credit reporting act Discover account number XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Company Response:
State: MN
Zip: 55423
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A