Date Received: 2023-04-03
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a credit card that I was said to have outstanding approval odds for through discover it, upon applying for the card I was denied for " insufficient credit history '', I attempted to inquire about how much credit history would be needed and they refused to answer, I am a young male, and I feel like this was an excuse to deny me for my age as I have XXXX other cards that all had no issues with my credit age and even a mortgage that didn't have any issues with credit age, yet they do, but can not tell me how much I would need. Discover needs to stop this discriminatory business practice and evaluate credit applications fairly, I have 100 % on time payments on 3 credit cards, a mortgage, a fully paid off personal loan, and a car loan.
Company Response:
State: IL
Zip: 609XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: As of XX/XX/XXXX Discover has sent me an itemize statement bill of my account which I didn't not request nor ask for. This a clear stall tactic to remove or update my utilization as stated in my letter I sent and never gotten a response back in my letter I've stated NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! account : XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) DISOVER Making the report is NOT INCLUEDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) DISCOVER that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX. PLEASE KNOW THAT DIFFERENCE BETWEEN AN ITEMIZE BILL AND A UTILIZATION! You stated that it's required to report to all three agencies. Yes only transactions of my spending. But it clearly does not state on paper or contract DISCOVER WILL REPORT UTILIZATION THIS IS A VIOLATON OF THE LAW. YOU HAVEN'T GIVE ME ANYTHING ABOUT YOUR INVESTIGATION ONLY A ITEMIZE BILL. I DID'T REPORT NOR REJECT MY DISCOVER CARD. I'LL ASK ONE MORE TIME PLEASE SHOW ME YOUR INVESTIAGTION REPORT INTO MY REQUEST OF REMOVAL OR UPDATE TO MY UTILIZATON.
Company Response:
State: UT
Zip: 84047
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear Discover Bank, I am writing to follow up on my previous letter regarding the inaccuracies in my credit report. As I mentioned in my last communication, according to XXXX, Discover started reporting on my account in XXXX of XXXX, XXXX reports that Discover started reporting on my account in XXXX of XXXX, and XXXX states that Discover started reporting on my account in XXXX. These discrepancies clearly indicate that Discover is not reporting accurately and fairly, as required by the Fair Credit Reporting Act ( FCRA ). I have sent multiple disputes to the credit bureaus regarding this issue, but each time, the response I receive is that the information being reported by Discover is accurate. This is simply unfair, as the information being reported is clearly not accurate, and it is negatively impacting my credit score and financial standing. Under the FCRA, it is the responsibility of both the credit reporting agencies and the financial institution reporting the information to ensure that the information being reported is accurate and up-to-date. This means that Discover has a legal obligation to ensure that the information being reported is correct, and if there are any errors, they must be corrected in a timely manner. I have attached documentation to this letter that demonstrates the inaccuracies in my credit report, including the statement from Discover in XXXX that contradicts the information being reported to the credit bureaus. It is clear from this documentation that Discover has not been reporting accurately and fairly, and this is having a negative impact on my credit score and financial standing. Therefore, I am once again requesting that Discover take the necessary steps to correct this error in my credit report immediately. I expect that you will work with the credit bureaus to ensure that the information being reported is accurate and up-to-date, and that you will take all necessary actions to resolve this issue. Thank you for your attention to this matter, and I look forward to hearing from you soon. Sincerely, XXXX
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I started seeing inquiries on my credit report that I dont recall making
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Discover has a policy that when you make a payment on your credit card, even a minimum payment on the card, if you have a bucket of the balance at a 0 % promo interest rate, and another bucket of the balance at an interest rate being charged, the principal portion of your payment goes towards the bucket that is being charged a 0 % interest and not the bucket being charged interest. I talked to Discover about this about 3 weeks ago and they informed me that this is their policy which from my understanding of regulations, any principle portion of a credit card payment should go towards the balance being charged the higher rate.
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide as follows ; XXXX XXXX XXXX {$47.00} This banks are not allowing me to open up a bank account with them because I am in XXXX and these banks are reporting wrong information about me and fraudulent accounts were opened in my name and with my identity.thanks to this person that stole my identity and I have made a police report and an identity theft report and I need these records removed or I will take legal action they have to be removed off of their systems and I need to be allowed to be able to open up a bank account so I can proceed as a regular citizen
Company Response:
State: FL
Zip: 34667
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I received a letter today ( XX/XX/XXXX ) about a reimbursement due to a consent order the Consumer Financial Protection Bureau issued in XXXX against Discover Bank. I contacted Discover Student Loans to get clarification about what the issue was and get some specifics about why the amount reimbursed was that amount. I spoke to several customer service people about the letter, but they would not offer me any additional information after an hour on the phone with them. I merely wanted the information about why I was reimbursed, and I could not get that.
Company Response:
State: PA
Zip: 160XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
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 am writing to submit a complaint about Discovers Fraud Protection Services and their failure to complete a reasonable and thorough investigation into the Identity Theft and Fraud that was committed against me. I submitted a dispute against all charges on or after XXXX on a Discover Card account ending XXXX as unauthorized. They denied my dispute and supported their denial with payments I made on the account in XXXX. Their evidence is prior to the date my dispute begins and is therefore irrelevant to my dispute. Let me explain : I recently learned that my soon-to-be ex-spouse has committed significant identity theft and credit card fraud against me. He found some old credit cards of mine that I thought were closed and used them without my knowledge or consent. ( He also opened several credit cards using my personal information, without my consent or knowledge. ) My soon-to-be-ex spouse then built up a lot of debt in my name, mostly to fuel his addictive habits that he had led me to believe were under control. To my knowledge, I did not benefit from any of these unauthorized charges. He accomplished this because he was abusive and controlling and had full control of the mail, and because he took advantage of my vision impairment to ensure that I did not have access to any evidence of these debts that arrived by mail. I am working with a lawyer and have filed police reports and reports with the FTC. With the help of staff at my attorney 's office, I found that beginning sometime during or after XXXX he charged thousands of dollars to an old Discover card of mine, account ending XXXX. He then tried to pay it down without my knowledge by opening an account with a debt repair company called XXXX, also in my name and without my knowledge or consent. Most disturbing is that he appears to have also forged my signature on a court settlement agreement with Discover as well. On XX/XX/XXXX we submitted a complaint packet for this unauthorized use of this account. The packet included : -- a cover letter from my attorney explaining the situation -- a letter from me detailing the fraud ; how I learned about it, how I understand it occurred ; how my spouse admitted to it ; and requesting that they cancel the account and find me not responsible for the debt because the charges were unauthorized. Discover did not reply for a long time. On XX/XX/XXXX they requested additional information, including information that we had already sent. On XX/XX/XXXX, we sent them an additional packet of information, including Discovers additional information form, where I made clear that I was disputing all charges after XX/XX/XXXX. On XX/XX/XXXX Discover responded that they did not accept our dispute. They claimed that their investigation found the account balance to be accurate. For supporting documentation, they sent images of checks that I had written in XXXX. Their supporting documentation demonstrates that they did not conduct a thorough investigation based on the facts that we shared. I opened this account some years ago, but I had stopped using it. I explained on their fraud form that I was disputing all charges during and after the year XXXX. The fact that I made payments on the account in XXXX is irrelevant to the complaint that I submitted. It was not until sometime around or after XXXX that my spouse began putting unauthorized charges on the account. Therefore, payments I made in XXXX are NOT evidence that charges made on the account after XXXX are authorized. If Discover had done a thorough investigation, they would have found enough evidence to determine that I had stopped using this card and this debt is not mine and is a product of unauthorized use, such as : A significant gap in use of this card between when I stopped using it and when my spouse found it and began using it without my permission. All wet ink signatures on any documents after XXXX do not match wet ink signatures from when I opened the account or on checks I wrote to make payments prior to XXXX. Discover did not conduct a reasonable investigation into these unauthorized charges. I feel that their " fraud protection services '' are not protecting consumers like me.
Company Response:
State: ME
Zip: 041XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, around XXXX XXXX a wrongful XXXX transaction was made by mistake. It was notified to Discover bank immediately within 10 minutes in the hope that the transaction would not go to the first-time recipient yet. Discover bank 's customer service did not transfer me to their Dispute team and said that they couldn't do anything to help, they did not mention Regulation E to resolve this situation. Until XXXX, after researching by myself, I found out about Regulation E and called back, after I mentioned specialty about Regulation E, they gave me the phone number of their dispute team, but their dispute team is closed 30 minutes ago. I called back to Discover bank dispute team in the morning, they told me to call XXXX. I called XXXX, and a XXXX representative said they can help me but they need Discover bank to work with them since I did the transaction via Discover app, XXXX is unable to reserve the fund because they have no access to Discover bank data. I was stuck in between because Discover and XXXX did not work together to resolve my problem.
Company Response:
State: CA
Zip: 92688
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XXXX XXXX I went into the hospital for XXXX XXXX XXXX. I was in for 4-5 days.I got out of the hospital and within 2 weeks I collapsed with XXXX at a urgent care center. I was diagnosed with XXXX and was ambulanced to the local hospital. I was in emergency for 2 days and a room for 2 days. With all of this happening to me, my spouse also had contracted XXXX. When I came home on the XXXX of XXXX because of my XXXX about not being late on bills we contacted Discover card and paid the monthly payment of {$55.00}, what was due. The late fee was already in the system and was waved that day. Never missing a payment I was happy. When the bill came for XXXX I see that the {$30.00} late fee was added. A reminder, this payment was due XX/XX/XXXX and I paid XX/XX/XXXX, 3 days late. I called Discover and they told me that the charge had been removed and it would show the next month so I paid what was due, {$55.00}. All of a sudden when I contacted Discover because they had added {$30.00} each month which could never be explained. I have continued to pay {$55.00} each month and they Discover continue to charge a late fee each month on this {$30.00}. As a matter of fact I have chatted with them may times which they say is on record to get explanations. Through all of this I was tempted to cancel this account and the person got irritated with me, ask me if I wanted to cancel and when I did not answer, he cancelled without my knowledge. I was told by Discover that he had no right to do that, I had done nothing wrong but it is still canceled. In addition if you look at the chats you will see that there is another {$20.00} that's been charged for a long time that I was not aware of and they really can't say why. I have been a good customer and am up to date with payments but I will not pay something I do not owe. To date, they are continuing to charge a {$41.00} late fee, still have my account closed and have upped my interest rate since this issue started. There are numerious chats for the record that they have and tell me I can not get a copy of the chats. They have sent emails wanting me to call to assist me with this issue and when I contact them they say they can't assist until I accept the late fees and I will not. FYI, One of the MANAGERS told my wife that if we had not gotten XXXX this probably not have happened. When my wife asked he if she thought this was out fault she said, well you got sick. We are in our XXXX XXXX and this is horrible. I hope you can help. I continue to make my payment each month to this day an the {$41.00} late fees keep adding up. Thank you XXXX and XXXX XXXX
Company Response:
State: TN
Zip: 376XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A