Date Received: 2023-03-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also sates a consumer reporting agency can not furnish a 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 any purpose.
Company Response:
State: GA
Zip: 30233
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to you on behalf of myself, regarding the unauthorized disclosure of my personal information to unaffiliated third parties without my knowledge or consent. It has come to my attention that your institution, Discover Bank, has reported my information to third parties without providing me with the required disclosures, as mandated by Federal Law. As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, financial institutions such as yours are required by law to give customers three disclosures, including an opt-out notice. Upon careful review of all documents provided by your institution to me, I have found that none of these documents contained any of the required disclosures under 15 USC 6802 ( b ). Accordingly, I am hereby requesting that you provide me with all the above-required disclosures as per Federal Law.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
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: someone stole my wallet and used my ID and credit cards to obtain car rentals, hotels, and made other purchases. I had to get a new drivers license, new credit cards, and a new phone. I sent a copy of my police report and my new license to Discover. The charges are still on my account. I need them removed so I can pay off my credit card appropriately. The Fair Credit Billing Act protects consumers against inaccurate or fraudulent credit card charges and other billing errors.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have always respected guidelines and rules set up by credit card companies and banking industries. I believe that people should have to follow guidelines and rules and regulations set up by these companies, in order to maintain civility and responsibility but in very rare instances, there are times that certain companies expect their consumers a customers to follow guidelines or rules that the company does not believe that they have to follow themselves, meaning that these companies should not be illegally or morally allowed to expect consumers to follow guidelines that the company themselves refuse to follow. My issue is with Discover bank and their terms and conditions involving disputes or charges in my case. I had no idea that a credit I had gotten on my account for a dispute that I had made would cause complete chaos in my life despite me following all the proper guidelines and procedures in a bank discover bank, I filed a claim, and the claim was credited to my account per proper procedure, and then time went on days, turned into weeks and weeks, turned into months, and my account has been used many times after this with no problem at all certainly I had never gotten any indication from Discover that there had been any issues so many months went by and out of nowhere I suddenly checked my bank account one day only to find out it was in the negative almost {$100.00}. I was shocked and surprised because I had no idea where this issue had happened so I contacted Discover bank to inquire about this extremely large negative balance, only to find out, some extremely shocking and ethically questionable information. It turns out that the claim I had made nearly 100 days ago. Was now being charged back to my account by Discover. I thought in my mind theres no way this could be happening. It has been nearly 4 months and according to discovers terms and conditions on their website, Discover has a huge allotment of time 90 days to handle and settle cases before they are closed down but when I looked at the dates involved in this case, I realize that not only had their 90 day timeframe has passed for them to charge back this amount on my account but it also been past their 90 day guidelines and parameters nearly 2 weeks after their 90 day set up guideline they decided to do this charge back to my account. I started thinking in my mind, how in the world can discover bank, violate their own guidelines, break their own terms and conditions and cost me the stress and chaos of having a charge back on my account that was nearly 4 months old and was perplexed. I thought well doesnt Discover have to follow their own guidelines if they sit up for their customers their 90 day timeframe is a timeframe that they give customers for them to investigate cases, and when customers are that say late on payments or late on guidelines that are set up by Discover the customer always has to end up paying to fix the problem, but what happens when you discover decides to change their own guidelines, and terms to fit their own needs violate your own contract and causing customers to suffer I mean, and this only happened because Discover had not taken due diligence and done their own investigation in the proper time frame? I thought the only choice I had was to Tryon contacting the CFBP because I knew that they were the only ones that can make a tyrannical bank like Discover have to follow their own terms and conditions when it comes to customers guidelines and issues. I mean, how can that be fair if customers are always held to certain guidelines terms and conditions time frames, but yet discover can violate their own guidelines, terms and conditions time frames when it suits their own needs? Why had there not entire investigation team acted properly and timely with this investigation just because they were negligent and lazy, and did conduct their investigation in a ethical manner does not mean that they should be able to you violate their own contract and change set up time frames just so they can fit their own needs and desires.? I believe after this terrible world pandemic end the job hours I had to have cut due to pandemic which cost me severe financial strain discover bank should not be able to take advantage of people who had to suffer through the pandemic who are hard-working people and who are just trying to make ends meet discover bank is a multi million dollar tyrannical bank that probably does this more often then people would like to admit, but I feel like if I dont make this complaint, they will continue doing this to more innocent victims and stealing money from more innocent people due to their deciding to change and alter their terms and conditions and contracts, whenever it suits their needs
Company Response:
State: AZ
Zip: 85016
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
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: Dear XXXX XXXX XXXX, I am writing to bring to your attention a situation that has been affecting my financial wellbeing for several years. In XX/XX/2014, I notified Discover Bank of a fraudulent credit card that had been opened in my name and delivered to an unknown person named XXXX, whom I have never met. Despite notifying Discover Bank of this fraudulent activity, I recently discovered that this person has been using the card for years without making any payments, causing significant damage to my credit score. I have been working with Discover Bank for the past six months to resolve this issue, but they have not been able to remove the fraudulent card from my credit score. I have also notified all of the credit bureaus, but the situation has not been resolved. This has caused a significant amount of stress and financial hardship for me. I am reaching out to you as I am in need of assistance in resolving this issue. The fraudulent activity that occurred back in 2014 was not authorized by me, and I should not be held responsible for any damages that have occurred as a result. I believe that the credit card should be removed from my credit report as soon as possible, and I am willing to provide any necessary documentation to support my case. I hope that you can help me in this matter, as it has caused me a great deal of distress and has had a negative impact on my financial future. Please let me know what steps I need to take to resolve this situation as soon as possible. Thank you for your time and consideration. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 11427
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: XXXX Complaint ID : XXXX NO RESOLUTION : From XX/XX/XXXX to date. Cash back rewards credit card with credit protection upon sign-up. Zilch credit protection offered or COVID RELIEF. I inquired numerous times. Discover has not tried to resolve the issue. By no means is this account delinquent, nor has it been, according to Discover. I am continually harassed by Discover skip tracers, even though, at the moment, I am houseless. I've offered a current mailing address. Discover obtained private current and obsolete information without my consent! The last Discover agent I spoke with, XXXX, called me on XXXX from a verified Discover phone number of ( XXXX ) XXXX at XXXXXXXX XXXX and admitted she was a skip tracer or conducting skip tracing services. Discover has largely ignored my in-app chat messages. My credit accounts, except Discover, extended COVID relief and are credit protected. I would not have opened a Discover credit limit account had I known credit protection was not an option. Card ending in # XXXX. CARD FROZEN. Since when has it become legal to treat Americans like criminals because they are houseless?! I've had the virus twice and have offered to provide proof to Discover. I requested to speak to a supervisor on several occasions. Email response to XXXXXXXX XXXX Executive Office of Customer Advocacy, who acknowledged my complaint but offered no resolution. This email response is virtually identical in meaning to the Discover XXXX complaint response. There was virtually almost no effort applied to my complaint. I have attached Discover 's XXXX complaint response which was responded to after I called " XXXX XXXX, Executive Office of Customer Advocacy '' which advocated nothing! Dear XXXX XXXX, When we spoke over the phone today, you explained this matter is closed, but according to the XXXX XXXX XXXX, Discover has not answered my complaint submitted on XX/XX/XXXX at XXXXXXXX XXXX. Complaint ID XXXX. UPDATED : The complaint was answered AFTER our phone conversation. You offered no resolution over the phone today nor in the XXXX complaint response which is identical to your email sent to me on Friday, XX/XX/XXXX. Let me remind you and Discover I am undergoing financial hardship! XXXX ) The Discover card credit assistance programs within my account online loggs me in and out of my account each time I click any link within this page. Once I log back into my account, the information provided offers few support options and no programs for which I qualify despite my financial hardship. XXXX XXXX XXXXXXXX? XXXX & XXXXXXXX XXXX XXXX XXXX ) I called Discover " Help with Credit Problems '' at XXXX and spoke to " XXXX XXXX, '' who told me I reached the credit operations department. XXXX promptly forwarded me to the hardship department, which was the " pre-delinquency '' department -which also offered no support whatsoever! XXXX ) After much research and several attempts to request assistance under the Discover financial hardship programs page, not one program offered assistance. Also, you explained your department is the highest level of executive support available to me. Therefore, at this time, I request you forward this message to your immediate supervisor, AND I REQUEST PROOF OF SUCH. If Discover can not offer me financial hardship assistance or credit protection as promised, I suggest Discover tells me such and cease misleading me and the American public! Sincerely, XXXX XXXX
Company Response:
State: ID
Zip: 83835
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Well XX/XX/2022 I made arrangements with Discover credit card companies to pay dwn my owed balances I made a payment for XXXX dollars I was put on a payment plan to pay dwn the rest I decided to pay off the balance in full I amount due I believe it to be XXXX I attempted to pay it in full they accepted the funds sent me a check saying I overpaid by XXXX dollars they then didnt accept my payment sent my money back to me I received a new statement in the mail saying I still owed the balance I spoke with them to find out what happened they couldnt tell me what happened I then paid them again since the payment went through this time they posted my credit report late it shouldnt be reported late I paid the balance in full technically its not late at that point.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/XXXX I applied for the Discover credit card. On XX/XX/XXXX, Discover sent me a letter stating they were unable to approve my request due to an extended fraud alert on my consumer report. I called them to verify my identity and they told me I would need to take care of the fraud alert and then call back. I took care of it and called back. I was told by a customer service rep that I would have to reapply again. I asked would that result in another hard inquiry. She said yes. I told her that didn't sound right but that I would reapply. When I reapplied, I was denied again and this time the reason was there was an application already in progress or was recently processed. I sent an adverse action letter to Discover two times and never heard back from them. They will probably say that too much time has lapsed since the application was made but that is not on me. I did my due diligence in writing them to rectify the matter and they never responded.
Company Response:
State: PA
Zip: 17268
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX
Company Response:
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
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: Discover bank is continually unconcerning and unsupportive of it's customers. I probably won't bank with them ever again after this situation. I called Discover to report my card lost ending in XXXX. I spoke with a representative to review a summary of charges before a new card was to be mailed to my address. A fraudulent transaction of XXXX was charged to my account on XX/XX/XXXX, days after it was realized that it was lost which was XX/XX/XXXX. I spoke to a representative with Discover bank less than 2 months later to cooperate and answer questions about the unauthorized transaction. A week later the transaction was put back on to my account on XX/XX/XXXX. I have an profile/account with XXXX XXXX XXXX in XXXX, NY. My identity/profile was inadvertently used based on the card/cardholder name that was lost and fraudulently used in the transaction of XXXX. My Discover cardholder details/profile is unrelated to the transaction : address : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX email : XXXX, phone number : XXXX. The transactions that were made after the disputed amount of {$4200.00} on XX/XX/XXXX, were for uber. I had recurring payments and my account ending in XXXX linked to my uber ride share account. Rideshare apps can still charge a CC account that is linked to it even if its closed temporarily days later. I did not get any alerts. I was alerted that the transaction was fraud when speaking with a representative over the phone when I reported it lost. XX/XX/XXXX I received an email from an executive from Discover. The email from the executive claimed that support would be provided on my behalf regarding my situation if I were to communicate with them. Days later I communicated by writing a letter to the executive. The letter expressed my rationale for my complaint and my affirmation that the transaction of {$4200.00} is unauthorized/ fraudulent. Unauthorized transaction unrelated and uncharacteristic of my normal spending pattern/history with Discover. You would think Discover would side/accommodate with the cardholder in this situation? NO. All Discover did was re-mail me copy of the old XX/XX/XXXX letter, when I complained on XX/XX/XXXX that transaction was unauthorized. As of now Discover bank has not removed the XX/XX/XXXX unauthorized transaction of {$4200.00} associated with my account ending in then XXXX, and now XXXX. If this unfortunate situation isn't resolved positively by Discover I will end my banking relationship with them forever. I will also vehemently advise family, friends, and associates not to do business with Discover. Why? Discover is unsupportive, unaccommodating, and condescending toward the cardholder/consumer in situations like this. I will do away with the big banks like Discover. The big banks treat the customer/consumer like a just number. A person of insignificancy. The small banks and credit unions have a community relationship and respect the consumer. They will be my go-to in terms of banking business going forward. I'm done with Discover.
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A