Date Received: 2023-03-15
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 had received an email at XXXX as that's what they have on file in regards to them supposedly just deciding to give me a credit of XXXX when XXXX was the problem... they said it would appear on the next statement but the statement started now. I'm not sure how I can get my rewards statement credit faster than this credit... are they saying it's going to take another month I mean XXXX could have given faster if that's the case
Company Response:
State: MA
Zip: 02760
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XXXX XXXX my account was closed with no notice of action, no email, no letter no call or text. Payments were made on my account but were not reported. They did not verify the account closure and there was no written form of communication, contract, or signature for this accused account closure.
Company Response:
State: OH
Zip: 43224
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, an unknown person logged into my Discover checking account and made two unauthorized XXXX transactions, one for {$480.00} and one for {$100.00}. I immediately called the Fraud Department to have my account frozen and filed a claim to dispute the transactions. Ultimately, I closed that account and reopened another with a different account number since someone clearly had my account and routine number. On XX/XX/2023, I received two notifications by mail stating that the XXXX transactions were valid, which they were not. I thought it had to have been a mistake, so I called the Fraud Department to speak with a specialist whom told me the transactions were made with a trusted device, which they were not. She informed me that I would need to submit documentation to appeal the decision. I was thoroughly confused during our conversation because it was clear that there was unusual activity on my account. Twenty or thirty minutes prior to the XXXX transactions ( made on XX/XX/XXXX ), as I had received a text message asking if a transaction attempted at XXXX was valid. It was not until after the call on XX/XX/XXXX with the fraud specialist that I realized the text about the XXXX transaction and subsequent call I had received in response were not legitimate. Once I put all of the pieces together, I collected all of my documentation and submitted them to the Secure Document Upload, but I have yet to hear back, only causing more frustration to an already agonizing experience. This fraudulent activity, causing {$580.00} to be stolen from me would not have taken place if it werent for Discovers inadequate account security. Less than a week prior to this activity, I discovered over XXXX transactions from a XXXX in Texas. Each transaction was for the exact same amount, {$180.00}. These transactions took place on XX/XX/XXXX and XXXX, completely wiping out my entire balance. This very unusual activity did not raise a red flag to the fraud department. I did not receive a single notification alerting me about unusual activity. I believe XXXX transactions made in another state for the exact same amount at such a large total, especially for a fast food restaurant, would certainly constitute as unusual. Discovers website states that a comprehensive set of features and tools, including fraud specialists proactively monitoring accounts for unusual activity, are used to help protect checking accounts from fraud. These statements have misrepresented the companys effort to protect my finances because this obvious fraudulent activity went unnoticed. These severely inadequate preventative measures directly caused my account to be hacked just five days later. Had I received proper notification about this fraudulent activity, I would have been familiar with Discover Banks process once when an unauthorized transaction was attempted. Instead, I was on extremely high alert to ensure my finances would not be compromised again. Ironically, that exact concern is what caused even more fraudulent activity. When recently reviewing Discovers website warning about scams, I came across some questions advising customer to ask themselves : - Did I trust the caller? Yes, my account was just compromised five days earlier. I was still distressed about the situation. The person I spoke to was very professional using excellent communication, grammar, etc. No red flags. - Why am I receiving this request? Because my information had obviously been exposed just a few days prior, and I thought Discover was actually trying to protect my account, unlike they had previously done. - Was I expecting this request? Absolutely! Like I mentioned earlier, I was on high alert due to the experience earlier that week. - I never disclosed my account number, my user ID or password or my social security number. These questions would have certainly raised a red flag. - This person had my online banking username and password. They were in my account when they called me, acted like a fraud specialist and asked me for the code that was texted me to, just like a fraud specialist had done earlier that week when I called Discover after noticing the 30+ fraudulent transactions. Not only did Discovers weak password requirements resulted in easy access to my account, their lack of providing security to my account less than one week prior, caused me to be clueless in their response to fraudulent activity and caused me to be on high alert so it didn't happen again. My password was only six characters. If more secure requirements have been implemented, I certainly never received an alert requiring more secure credentials. This feature should be a top priority for any financial institution. If these features were monitored more closely, I would have never lost {$580.00}.
Company Response:
State: CA
Zip: 92111
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Im writing to you because I noticed that my most recent credit report contains a late payment reported in XX/XX/2022, for my Discover Bank account. I understand and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I was separating from the military and was waiting on my XXXX income to make payments on my account, so at the time I was not working. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for a mortgage, and it has come to my attention that the missed payment on my credit reports could hurt my ability to qualify. In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts.
Company Response:
State: NC
Zip: 28306
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: 1 ) The last payment on this Debt is noted as XX/XX/2017. It is past the statute of limitations and should be removed from my credit report. 2 ) I do not recognize this debt and I have submitted a FTC report attached as well. I am a victim of identity theft and I filed a police report that is notated on the FTC report. Additionally, my identity was stolen in the XXXX data breach and the XXXX data breach. I also was notified by the IRS that my identity may have been used to fraudulently seek employment. Please remove this debt from my credit report.
Company Response:
State: TX
Zip: 75024
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have a late payment reported that was fraud not done by me I disputed this with the credit bureau and they came back from the company saying it was valid. I was never given the option to opt out according to 15 US Code 6802 B- Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am writing this complaint to correct a billing error on my Cashback debit card. A charge of {$1400.00} was made to my Cashback debit card account on XX/XX/XXXX. The charge is in error because I did not authorize the transaction and notified Discover promptly of the unauthorized charge. I received a letter dated XX/XX/XXXX stating that they determined the transaction was valid because : 1. " Transaction ( s ) completed with PIN with no prior PIN failures 2. " No history of PIN being changed recently '' 3. " Transaction ( s ) do not indicate fraudulent activity '' This makes no sense as someone clearly accessed my information without my consent. It appears Discover just replied with a generic letter with no consideration with the issue. I allege there must be some form of fraud protection on my card to protect me from unauthorized charges. Discover also stated that they would be reversing the provisional credit provided. I'm unsure how someone was able to use my pin I'm stressed out over this. It's causing me a huge inconvenience. Please correct the issue and correct the error of the unauthorized charge it's causing me a great deal of stress because I never authorized the transaction. I've done everything in my power to address the situation promptly. Please correct the error on my account promptly.
Company Response:
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Somebody opened a fraudulent account in my name through discover bank on XX/XX/22.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my credit score through the XXXX Banking app, it went down by XXXX points. Notes says Inquiry by Discover Financial Services I contacted Discover and they said no accounts were made using my information. I did not make or apply for an account with Discover. I did not authorize any company recently to run my credit.
Company Response:
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: In XX/XX/XXXX I lost my job due to the pandemic and was unable to make payments to my credit card. My credit card was never late until XXXXXXXX XXXX XXXX and it was late for 3 consecutive months. My credit card was closed out XX/XX/XXXX.
Company Response:
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A