Date Received: 2023-04-26
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: ON XX/XX/2023, I MADE A PURCHASE WITH MY DISCOVER CC TO A COMPANY CALLED XXXX IN THE AMOUNT OF XXXX, AND DISCOVER IS HOLDING UP THE TRANSACTION. I HAVE ENOUGH FUNDS ON MY CC TO COVER THE TRANSACTION. THIS IS UNACCEPTABLE AND MUST BE RESOLVED IMMEDIATELY.
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a credit card account with Discover and I had deselected autopay in their app on the XXXX of XXXX of this year. The beginning of XXXX I am charged again, so I go back into the app to deselect autopay and find that I can not so I assume that I misremembered and logged in online through my browser. The option to unenroll from autopay displays in the browser so I deselect it and save changes and assume that everything is done. I truly believed I had misremembered due to stress. I had 8 years experience with being lied to and misdirected as of last year, I won't let anyone treat me like XXXX had ever again, and I spend 4 days ruminating about if I actually misremembered or was I remembering correctly. XXXX I am charged again, but this time I know I've unenrolled! I log into the app, no option to unenroll displays but instead a link to a help article and I am frustrated. I delete my financial institutions from the Discover app, and call customer service. The representative can only see when I've logged into the system, and dates are missing, and I request to have my call transfered to a tech dept or similar as the issue with autopay is not a user error and I need those funds back to file in court against the company that over-charged my Discover card! My call is disconnected after the person I am transferred to confirms my account and identity. I had been allowed a refund, which has posted to my account, but I know others who have had similar functionality issues with financial institution digital access portals, and do not trust Discover to take me seriously. Please help.
Company Response:
State: OH
Zip: 44310
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: The customer service would not help and take care of the negative inquiries reporting to my credit report.
Company Response:
State: IN
Zip: 46222
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: Since XXXX Discover Credit Card Bank kept raising my credit limit where it would be impossible to cover in whole now entrapped methodically with penalty fees mounting. I am a 100 % Veteran Administration XXXX XXXXXXXX XXXX Veteran living month to month on lower-fixed-income benefits since XX/XX/XXXX single, currently age XXXX with no savings account or assets. I am a rescued XXXX XXXX veteran living in XXXX County Florida taken off the streets in XX/XX/XXXX securing residency where I still reside. Discover was a constant caller menacing with threats in USPS mail demanding payment which my VA underfunding simply doesn't allow for. Discover belligerently refused a credit consolidation loan twice when I was up to date in payments then I watched my hard earned XXXX credit rating terminally disintegrate over the months and years that followed. I received a Small Claims Court summons by a Discover Attorney and appeared submitting my " exempt '' VA and minimal Social Security documents to the court in a timely manner. XXXX court appearances I witnessed my XXXX condition for 100 % XXXX and every piece of my defense was equivocal to when the government uses black ink on official documents in every line my defense was methodically " blacked out '' as the judge verbally dismissed any defense provided her. The " two party contract '' was tampered with as the court only considered the Plaintiff throughout the entire trial and Final Judgement. Application for a credit card formally is a two party agreement but in court Discover altered that agreement after the fact prosecuting instead an intended conversion to a single party contract, voiding legitimacy. Other complaints to CFPB Discover refused to acknowledge my 100 % exempt documented XXXX benefits and vehemently pursue collections now locked in for 20 years with Circuit Court Final Judgement with increasing percentages and taxes annually against funds that are not accessible to them in collections. My last complaint with Discover CFPB " XXXX '' determined Discover has done no wrong even after being cited with two Florida State Statutes forbidding collection of exempt income. As she also noted she will refuse any further communication or responses and refused further cooperation with CFPB in the future rather than simply dismissing their case in XXXX XXXX in compliance with Florida Statutory law. Where now Discover is willfully, wrongfully intending to collect from documented protected income with criminal intent causing undue mental anguish from day to day compounding symptoms of my XXXXXXXX VA outpatient XXXX XXXX XXXX status vehemently and unrelenting..
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
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: Disputed a charge with discover, charge was for a service not as advertised. Sent plenty of valid proof to discover, about 15 images of proof. Discover sides with the merchant and refused to accept anymore documentation I had. Would not give me the documentation the merchant provided either Discover has a habit of denying valid disputes with customers. This is the second time this has happened to me personally
Company Response:
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023 I contact CFPB in recording a issue with Discover Card about charges on my account that was not valid please refence CFPD case number COMPLAINT ID XXXX On XX/XX/2023 XXXX XXXX Executive Office of Customer Advocacy contact me by email saying they will look into the matter On XX/XX/2023.. I called into Discover because I had issue with using my card was told that my account was closed On XX/XX/2023 Received response from Discover saying that didn't provide information that I payed the merchant with a different in fact I provide them with info that I did and emails saying that they will refund me plus text message from merchant sayin they will. They say they looked into the matter but fail to say they closed my account in the process after i contact CFPB In which with they response they are causing financial hardship, emotional stress and damage credit from obtaining credit from other companies in the future
Company Response:
State: FL
Zip: 34771
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS! UNDER ACT 15 U.S.C 1681 SECTION 602 SAYS, " 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 ''. UNDER 15 U.S.C 1666B " A CREDITOR MY NOT TREAT PAYMENT IN A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. PRIVACY VIOLATION,
Company Response:
State: TX
Zip: 76051
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: 15 U.S. 1681C-2 A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONCUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THATRESULTED FROM AN ALLEGED IDENTITY HEFT, NOT LATER THAN 4 NUSINESS DAYS AFTER THE DATE OF RECEIPT. IT HAS BEEN 30 DAYS AND YOU ARE IN VIOLATION OF THIS LAW BECAUSE I AM A VICTIM OF IDENTITY THEFT!!! PLEASE DELETE THESE ITEMS IMMEDIATELY. THESE ACCOUNTS SHOULD NOT BE FURNISHED ON MY CONSUMER REPORT AS THEY ARE IN VIOLATION!!! UNDER, 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS { A } IN GENERAL SUBJECT TO SUBSECTION C ANY CONCUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER. 2 IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER TO WHOM IT RELATES. I NEVER GAVE ANY CONSUMER REPORTING AGENCY WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. AS A CONSUMER I AM DEMANDING THE DELETION OF THE ACCOUNT LISTED IMMEDIATELY.
Company Response:
State: TX
Zip: 76051
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I applied payment through XXXX account online. Bank smpulled from wrong account. This had happened more than 3 times now. I need to have any returned fees back to my account. I have paid on time and thousands onthis card. Their system is automatically pulling feom bank of their choice. I've co tasted their customer service and sarcasm and ignorance is what they provided. I would like to jave payment pulled fro. My account.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This company is reporting status of account incorrectly to XXXX, XXXX and XXXX.
Company Response:
State: MA
Zip: 02453
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A