Date Received: 2023-03-16
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/XXXX, I initiated a return with XXXX for an article of clothing. The item was delivered according to the tracking information. I talked to XXXX over 10 times and they did not give me my refund. I then initiated a dispute with Discover. It has been over 3 months since and they are uncooperative and extremely slow. I talked to many of their agents and none of them were able to help me. In fact they were rude, did not listen to what I had to say, and could not provide me solutions and give me confidence in their service. I just want my money back.
Company Response:
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
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 called XXXX XXXX XXXX for a " free estimate '' for a furnace problem as they advertised on line. They said they needed to have a credit card number to come out but they wouldnt charge my card. Several weeks late, on XX/XX/XXXX a tech came to my house. He looked at my furnace and said I needed a new motor. He did nothing to repair it and said that someone will call me with a price, then he left. He was there for 15 minutes. They said it would be {$700.00} or so. I said ok... but then they sent me a text saying it would be {$1100.00}! I sent them back a text immediately saying there was some mistake because I look up the cost of a motor on the internet and it was only about {$250.00}. So I said I didnt want the service. They then billed Discovercard for the {$1100.00} ... .later they took that off but added at charge of {$300.00}. Discovercard sent me a notice of that charge. I called them within minutes to say it was not authorized and told them the details. They said it would be investigated and they would give me a temporary credit. I kept waiting for the credit to appear. When it never did I called the XXXX XXXX on XX/XX/XXXX and spoke with XXXX she said she would fix it. On XX/XX/XXXX, XXXX I spoke with XXXX who said she would fix it, still nothing, then on XX/XX/XXXX I spoke with XXXX XXXX XXXX XXXX I spoke with XXXX and Corporate Headquarters on XXXXXXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I called again and no claim was denied. Today I called XXXX at the Corporate Headquarters. I never authorized a charge of {$300.00}. I was never given any communication from XXXX XXXX of any amount due, I only found out about the charge thru my Discovercard account. I asked the company who was the owner, they refused to tell me. Finally, my neighbor came over feeling so horrible about what happened. He looked at my furnace and said the motor was fine. He tightened a bolt and it has been working perfectly since then. He has offered to write a statement to this affect.
Company Response:
State: ID
Zip: 834XX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
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 used a company called XXXX, They stated they text me and call me-But it did not happen until I filed a complaint against them. They terminated our contract. I disputed it with Discover and they put the charge back on the account. I sent a letter stating I had 15 days to respond. I called them but they stated that it did not matter about the 15 day the charge stands. THEY merchant terminated the contract and not doing business with me. But Discover refuses to remove the charge
Company Response:
State: TX
Zip: 75044
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
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 right. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states 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 purpose.
Company Response:
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
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: Here is a quick summary followed be specific details and dates below. I was charged {$1900.00} on XX/XX/XXXX by XXXX XXXX XXXX ( " XXXX '' ). I disputed the charge because XXXX did not provide the services. I paid for three consecutive bed bug treatments which included vacuuming, heat, and chemicals and a warranty to start after the treatments were to be completed. My credit card company, Discover, denied my dispute even though I have video evidence that XXXX did not perform the services and I have tried to resolve the Dispute with XXXX to no avail. We have asked XXXX several times to perform the treatment we paid for and they refuse. Further, Discover never asked me for my documentation or more information. I have attached relevant documentation, including screenshots showing videos were recorded. However, since there are probably hundreds of videos since they are recorded in 30-second increments, I have not uploaded all of them, but am happy to do so upon request. Here are the additional details regarding my dispute. XX/XX/XXXX : I hired XXXX for bed bug removal from my home. Before we agreed to hire XXXX, we ensured that the treatment included vacuuming, spraying and heat treatment. We did our research and would not have hired any company that would not do all three because the vacuuming and heat is essential to kill the eggs of the bed bugs. Chemicals will not kill the eggs and then they will hatch and lay more eggs. Treatment with chemicals alone is not sufficient to get rid of bed bugs. Further, we can order chemicals online for less than {$100.00} and spray ourselves so there is no point in hiring a company if they will not provide all three forms of treatment. XXXX 's employee assured us that all three forms of treatment were included. We agreed to their service and I used my Discover card to pay. The employee told me that I needed to sign for credit card authorization and I signed using his electronic device which only showed a signature screen. At no time did he tell me that there was a written agreement to sign or allowed me to review a written agreement. XXXX now says that the signature I provided to authorize the credit card charge was a signature on their written contract, which again, I was never informed of or offered to review. I have an audio recording ( attached ) of their employee admitting that he did not tell me I had allegedly signed their contract ( recorded XX/XX/XXXX ). XX/XX/XXXX : XXXX put encasements on three beds. They claim to have vacuumed and sprayed the couches. They admitted that they did not heat treat any of the furniture. After treatment, XXXX is supposed to put all blankets, clothing, etc. that is on the furniture in plastic bags to be put in the dryer to kill any bugs or eggs which may be on the items. XXXX put pillows and clothing which was on a couch on the floor next to the plastic bags instead of in them and left with a broken bed encasement open ( which was clearly visible immediately upon entry into the room ). XX/XX/XXXX : I called Discover to ask whether I should dispute the charge now or continue to let XXXX provide service giving that their employee had fraudulently obtained my signature on their agreement, they did not provide the vacuuming and heat treatment, and they placed items which may have bed bugs on them on the ground after treatment ( potentially spreading bugs to additional areas ). Discover told me that I should continue to allow them to perform services and try to work with them, and that I could dispute at a later date if XXXX continued to fail to provide services. XX/XX/XXXX : XXXX returned on this date and replaced the broken encasement, and claims to have done heat treatment. XX/XX/XXXX : Began recording XXXX 's visits using a pet camera. The camera shows that they were there from XXXX to treat 3 bedrooms and the living room, which contains two sofas and a love seat, with vacuuming, heat ( a handheld steamer ), and chemicals. XXXX sprayed but did not vacuum or do heat treatment. XX/XX/XXXX : Recorded on pet camera. XXXX was there from XXXX. XXXX looked at the couches and sprayed them. XX/XX/XXXX : Partially recorded ( someone stopped in my office unexpectedly so I could not arm the camera in the beginning ). Prior to this visit, we let XXXX know that there were still bed bugs since we had found more live ones. We told XXXX ( again ) that we know they aren't performing heat and vacuuming because they aren't there long enough to do so and followed up with a text about using vacuuming and heat. This time they sent out two technicians ( previously it had only been one ) and sprayed and used heat. They were there from XXXX. XX/XX/XXXX : Prior to this visit, we let XXXX know that we were still being bitten but have not seen live bugs. XXXX gave pushback and wanted to come out only to look to see if they could find bugs. We had to continually push them to actually do treatment since they had never seen live bugs the entire time they had been doing treatment. They finally agreed to do some level of treatment, but would only do certain treatments if they could see live bugs ( I have only seen them a handful of times and I have been living with them for months ; bed bugs are notoriously difficult to find and bites are often the sign that they are there ). This time XXXX sprayed the two couches ( they forgot, or just did not do, the love seat ). The camera does not show them going into the bedrooms to treat. They did not use heat or vacuuming in the living room, even though we told them again prior to treatment that the service includes this. They were there from XXXX. XX/XX/XXXX : I found two extremely young ( showing that eggs had recently hatched ) bed bugs on my blanket. I kept these bugs in a contained as evidence that they are still here ; I also attempted to take photos, but the bugs are so small that it is difficult to tell what they are. XX/XX/XXXX : I filed the dispute with Discover since XXXX has been unwilling to provide service despite giving them several opportunities. After speaking with Discover I called XXXX and asked to speak with owner ( per Discover 's advice ). I advised again that heat and vacuuming had not been used ; I never received a return call from the owner.
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: To whom it may concern I was on my XXXX XXXX and noticed a discover card I am an authorized user on is only showing up on XXXX and no where else. I will attach proof as I screen shot it. I am on my cousins card. Discover had said I would be updated to XXXX and XXXX but never happened.
Company Response:
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
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/XXXX, I received a text from discover asking if a suspicious {$14.00} charge was mine. I followed the instructions and texted back n for no. I received a confirmation text which said you have identified potential fraud. I assumed Discover locked my account after I confirmed the charge was fraud, and I did not receive any notification that my account was still open. The next notice I received from Discover was a text message on XX/XX/XXXX where the same {$14.00} charge was asked about again. I found this to be strange and texted " n '' for not my charge, Discover card again confirmed they received my message on identifying fraud. This was during an extremely busy time in my life, as I had finals and am currently in XXXX XXXX Discover did not email me, or leave any messages about my card still being open, and no actions being taken after fraud was identified. On XX/XX/XXXX, I logged into my Discover account and saw I had over several XXXX dollars of charges. I was shocked and called discover immediately. The lady I spoke with spoke with me very hastily. I went over 30 charges with her. I let her know some charges on prepayment were my charges, but the charges in person were not mine because my discover card was stolen. I was frozen out of my discover card account at the time, I could see the amount due, but it would not let me click to see the charges. I had to rely on the agent on the other end to relay the charges, and I told her the XXXX, XXXX, and dog food charges were mine because they were on automatic payment, but the other ones in person were fraud. She said she marked everything and then hung up. I was not convinced she marked everything we had discussed so I called another agent after that conversation. The other agent confirmed the previous lady did not mark everything that was fraudulent on my account, and as she read my charges it was clear the previous agent didn't even read all of the charges. We went over 50 charges with the next lady, the lady said I would get a temporary credit in 3 weeks, and then ended the call. At the end of the call, it was noted {$3400.00} were fraudulent charges. I did not receive my temporary credit until XX/XX/XXXX for the full amount, which took much longer than the promised 3 weeks. Between this time I spoke with 7 different agents. Each of these phone calls I went over which charges were mine, and which were fraud. This became extremely confusing because the agents were mistakingly marking my fraudulant charges as real charges, and my real charges as fraud. This resulted in me having to correct things several times. I distincly remember telling agents the XXXX charges were mine when for the third time they were marked as fraudulent charges. Once the temporary credit was given on XX/XX/XXXX, I thought the investigation team would do their due diligence and it would be resolved. I checked my account at the end of XXXX and saw I had a {$3100.00} balance back on my account. I was so confused and called Discover again. They said they completed the investigation and determined that {$3100.00} of charges were mine because the charges were done at places I had spent money before, and a XXXX charge was marked as fraud that had gotten traced back to my XXXX XXXX. I was absolutely flabbergasted. I had told the agents the XXXX was mine. I was certain of it. I had told them the XXXX XXXX, dog food, and everything on automatic payment was mine. I went through 7 agents and it was clear something had gotten marked wrong, or I may have mistakenly missed the charge they were reading as I had gone through this over 7 times. Instead of looking at the multitude of charges and coming to this conclusion, they automatically assumed I must have been lying about the other 50 charges as well. On my notes they also had said the reported fraud charges were mine because I had shopped at those stores before. My card was stolen close to my home, so of course it would be used in areas around. They did not check my spending history and see I had not frequented these areas in a long time. Some of the fraud spending they found were places I had never spent money before. Beyond this, there was nothing comparable to this level of spending pattern after XX/XX/XXXX in my whole credit history. After I told the agent this, he said I had not filed a police report. I told him nobody had told me to report anything. I have since filed a police report, XXXX XXXX is on my case, the report number is XXXX ( attached ). Discover has said I am responsible for these charges, but it was clear they did not try to do a thorough investigation. They did not even tell me to file a police report to aid the investigation until they had completed the investigation. They didnt check spending patterns, and did not mark the XXXX charge. Discover also did not freeze my card after I had reported fraudulant charges ( will attach this message ). If Discover had froze my card after I identified fraudulant charges the individuals who stole my card would have never been able to steal this much money. They want me to pay off this whole charge. I am attaching the police report, and the alert that was sent where I identified fraud twice. They have reopened my case on XX/XX/XXXX, I have alerted Discover of the police report number, but they have let me know I am responsible for this charge even though the investigation is reopened. I am a XXXX and can not afford this charge, I have NEVER missed one payment, and have fantastic credit. Even if I pay off this charge with borrowed family money, I still believe I should be reimbursed. I have never had an issue before this fraud. Please help me, I have lost faith in Discover as a company and would greatly appreciate assistance from the CFPB.
Company Response:
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I had credit card cancelation dept with discover cridet card and I had recive 1099 c form and reported to my tax return as year XXXX in XX/XX/XXXX and till this day haven't being removed from my all cridet card beuro and I had being submitted more than requested to XXXX, XXXX to being investigated and remove from my record having being romvoed till this day and still effected my credit score and I can't apply for buying home.
Company Response:
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Getting the loan
Subissue:
Consumer Complaint: I Spoke to a customer service rep with Discover personal Loans at XXXX XXXX on XX/XX/23 and I was notified that I was pre approved for a personal loan in the amount of {$25000.00}. I asked the customer service rep to confirm a number of times before proceeding with the loan if my credit was pre approved, as I did not want to risk being denied and my credit being adversely affected. I was assured by the customer service rep a number of times that unless in the unlikely event that there were any changes to my credit between the soft pull and the subsequent hard pull, that my credit was pre approved. In addition, I was asked what documents I would need to provide in the verification process for the final loan disbursement, and I was told none. I was led to believe that the hard pull was only a formality. I agreed to proceed only to be notified that there is a long list of documents needed in order to proceed. I complied with all requests and was later notified that my request had been denied due to the fact that they were " UNABLE TO VERIFY CREDIT/APPLICATION INFORMATION ''. In addition an a later phone call with a XXXX named XXXX at approximately XXXX XXXX, I was notified that I had never been pre approved, I had only been given a hypothetical rate should I have been later approved. The main issue of my complaint is that Discover personal loans in their Deceptive marketing, as well as over the phone from their customer service XXXX led me to believe that I was pre-approved so that I would apply for a loan. I had no prior relationship with Discover, I therefore would not have applied blindly were it not for them assuring me that I was pre-approved. It is unjust that my credit score be negatively impacted by a hard pull that was conducted over false pretenses.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
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 called Discover card on XX/XX/XXXX advising them that I was impacted by COVID-19. Discover was made aware that I was impacted by the pandemic. Regardless they entered a late payment on oil for XX/XX/XXXX. I called again to report that it was due to COVID and still they reported it as unpaid for that month. I need to have this removed and returned to on time because I did notify them that I was being impacted by the pandemic.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A