Date Received: 2023-04-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I've had my Discover business credit card under XXXX XXXX XXXX for about 15 years and never missed a payment or was late making a payment. It's my oldest credit card that reports on my consumer credit report!!! A few months ago I called Discover business credit card customer service and asked them if I started a new company can I change my business name on my credit card and I was told yes ... so I gave them the name of the new company I start in XX/XX/2023 which is called XXXX XXXX XXXX the address and tax ID number. XXXX new cards were sent out to me with the new business name and I had been using my card as usual then on XXXX, 2023 I went to use my card and it was declined. I immediately called in to Discover business credit card customer service and reach a rep by the name XXXX. XXXX told me my card had been mistakenly closed but it would be reopened on XX/XX/2023 and they had made mistake. I called Discover business customer service on XX/XX/2023 and spoke to a XXXX name XXXX and she told me it look like it was closed in error due to some type of verification and a supervisor would call me back never received a call back. I call on XX/XX/2023 and spoke to a supervisor by name of XXXX in Ohio and she tells me it looks like your card suppose to be re opened on the XX/XX/2023 according to the notes but it also states the card is permanently closed but she will speak with her manager and call me back. She never calls back!!! I call back get a supervisor in Delaware name XXXX and she states it's a lot of notes on my account that she needs to review and she will call me back but she never calls me back. Then on XX/XX/2023 my card is not reopen I call in and speak with a supervisor in Utah by the XXXX and she tells me my account is under review to be reopened and she will call me back by XX/XX/2023 with a answer. Never received a call back and my account is still closed. On XX/XX/2023 I call in because my account is still closed with no explanation and reach XXXX a supervisor in Ohio who states he's documenting my account to send to his manager that my account should be reopened because I changed the name on my card that I have had for 15 years because a customer service rep told me I could when I could of kept the name XXXX XXXX XXXX. He recommended that my account be reopened in XXXX XXXX XXXX since the name change seems like it caused the problem even though XXXX XXXX XXXX XXXX could be verified on Wyoming XXXX of XXXX website. He told me he would forward that information to his XXXX and call me back the next day with news about the account being reopened. Never received a call back so I call in XX/XX/2023 and speak with XXXX a supervisor in XXXX and he states my account cant be reopened and could not give me a reason why!!! Discover should not close my business credit card that I have had for 15 years and reports to my consumer credit report as my oldest credit account with no late or missed payments because the closing of this card will cause me financial hardship due to the age history of this account wont be reflected on my consumer credit report anymore. Discover should understand that a person never closes its oldest credit card because that will damage their credit!!! I'm stressed out and confused that a company that I've been with for over 15 years can close my credit card for no reason and choose not to explain the reason why.!!! I truly need this card to be reopened because the closure of my card is going to damage my credit!!! The last four digits of my account is XXXX. Attached is XXXX XXXX XXXX XXXX paper work proving its a legitimate company.
Company Response:
State: CA
Zip: 94025
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently check my credit report and found out there is charge off from XXXX XXXX, Discover Bank and XXXX XXXX. I never opened these accounts, it looks like someone used my informations to open these accounts. Please remove these items from my report
Company Response:
State: OH
Zip: 43229
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I CHECKED MY CREDIT REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
Company Response:
State: NY
Zip: 11368
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Arbitrary credit decrease without warning
Company Response:
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: To Discover, XXXX, XXXX, XXXX, & NJ Attorney General A discover credit card was fraudulently opened in my name in XXXX, XXXX. In XXXX, XXXX I reached out to discover to inform them of this matter once I seen it on my XXXX credit report, they agreed to close the account. XXXX, XXXX, & XXXX removed the fraudulent account from my credit report however, this month it illegally reappeared on my credit report although the account was closed in XXXX due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I submitted this report to FTC and CFPB. Someone please reach out to me so we can handle this illegal issue soon because I will soon be reaching out to my lawyer.By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. Discover account ending in XXXX. Closed XX/XX/XXXX. Also, the account is inaccurately reporting that it was closed in XXXX, XXXX which is also illegal. This account was closed in XXXX with a {$0.00} balance. All of a sudden the account is reappearing 6 months later with a balance of {$2300.00} which is false. This account was paid off at closing. I have 2 other accounts with Discover in which I opened myself 4 years ago and I was making payments to this account as well which I was unaware of. Every time I submitted a payment, I was also paying off this account, unaware that I was paying a 3rd account. This account was paid off at closing on XX/XX/XXXX. That also need to be corrected. This whole account is inaccurate in many different ways which is illegal. I will not submit anymore payments to this illegal account and I need it removed from my credit profiles and investigated individually by each credit bureau and the Attorney General immediately. I also need the date of closing corrected to XX/XX/XXXX with a {$0.00} balance. I have not received a statement for this account since XXXX. All of a sudden a statement appeared in XXXX with {$2300.00}. I do not want to receive anymore statements for this account. I do not want to be harassed by Discover regarding this account. They keep accusing me of opening the account after I continuously tell them that I did not open this 3rd account. I have made multiple payments to this account although I continuously tell them I did not open it. I have been told that this Is illegal and I will no longer pay them. I will handle this legally. Thank you.
Company Response:
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
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 charge twice for the same item from a merchant which two bank card was charge on the same day for the same amount for the same merchant.. The correct charge was place on my XXXX XXXX XXXX ending in XXXX in which I authorize and approve The charge on my Discover card in which I was told by the merchant that it was denied by the bank.. In which i needed to pay on a different card in which I use my XXXX debit card which is link to my checking account On XX/XX/2023 i open a dispute with Discover Card in which the case number is XXXX and XXXX I told them i needed to open a dispute because I pay by other means in which the charge on my Discover was invalid because the merchant said it was decline. I was told to send in documents showing that i paid with a different payment method.. Discover open my dispute in which they issue me a temporary credit for both charges On XX/XX/XXXX merchant contact me by text message to inform me that they will be issue me a refund back to my Discover Card ending XXXX for both charges. In which they sent me proof of the refund in which on the same day I called Discover in which I told them I was getting a refund and that I should close the case.. In which I close the case on XX/XX/XXXX 9 days went my ad I didn't receive the agree refund in which I contact the merchant on XX/XX/2023 by text message and was told that they process my refund and their nothing they can do for me.. I contact Discover on XX/XX/2023 in which I explain to them that I never received the refund as agree in which the agent inform that I need to upload documents showing the merchant agree to give me a refund in which I upload.. I was told XX/XX/2023 that a agent contact the merchant in which they say they didn't agree to give me a refund in which is incorrect because I have info they sent to me showing i was getting a refund and I was denied of getting the credit
Company Response:
State: FL
Zip: 34771
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XX/XX/XXXX my card was cancelled. I have been a customer for over 20 years that is longer than the CEO 's. I first learned about this in XX/XX/XXXX. That is when I called to try to get my card re-instated. Instead I got this Executive Office of Customer Advocacy department who just gave me a canned response that they are not able to do it. I dont buy that. Im not quite sure what this department is supposed to do but it is not to help customers. I am asking for my old card to be re-instated. Credit card companies have a responsibility to communicate with their customers in every way possible. Discover did not do that. I have gotten ALL their e-mails in the past. To close my account they send it via mail. I have moved several times over the years and probably did not get it. THIS IS THEIR ERROR AND THEY HAVE TO FIX IT.
Company Response:
State: NC
Zip: 28209
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Claimant ( consumer ) is in receipt of XXXX ( financial institution ) letters dated XX/XX/XXXX in regards to an investigation about multiple inquires ( dated XX/XX/XXXX and XXXX XXXX ) that was a result of fraudulent inquiries that XXXX does not have permissible purpose pursuant to 15 U.S.Code 1681b. The Claimant therefore has actual damages sustained as a result. The Claimant now has evidence that the Respondent fails to comply with the Fair Credit Reporting Act, 15 U.S.Code 1681 et seq with respect to Claimant as a consumer wherefore the Claimants commercial ability is impeded due to the Respondent. Pursuant to 15 U.S.Code 1681XXXX the XXXX is liable for Civil liability for willful noncompliance and 15 U.S.Code 1681o for Civil liability for negligent noncompliance. The Claimant has attached an Affidavit of Fact, A Dispute, Exhibits and an Invoice for the Respondent to review and or fulfill the actual damages sustained by the Claimant, the consumer.
Company Response:
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: The bank has restricted me from using my card and its been several days now. I have not been notified ahead of time that i wont be able to use my card. i have contacted the bank to ask why i am unable to use my credit card and the response i got was that they are doing verification and that i would have to wait 2 weeks before being able to use my card. This has jeopardized my livelihood as my bill and rent are paid from my credit card. I believe this is NOT a fair and right way to handle such issue and i am asking CFPB to intervene and resolve this matter for me.
Company Response:
State: TX
Zip: 75050
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Discover, I'm writing you because you've charged my account with almost XXXX in charges and fees which took place during the time I suffered with Covid19 in spite of regulations prohibiting such charges, this is not acceptable behavior on your part. No one should be penalized because of something they had NOTHING to do with.
Company Response:
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A