Date Received: 2023-03-09
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I'm writing to report a gift card scam that I fell victim to on XX/XX/XXXX. I purchased three XXXX gift cards from XXXX, each with a value of {$200.00}, at the request of an individual who claimed to be the CEO of my company. The scammer urged me to send the PIN numbers immediately, and I only realized it was a scam when I checked the card balances and found they had been claimed. I immediately contacted my credit card company, Discover, and reported the scam, and they removed the transaction from my account. However, three weeks later, on XX/XX/XXXX, I received a letter from Discover requesting more information to investigate the case. I contacted Discover and provided additional details of the scam on XX/XX/XXXX, but on XX/XX/2023, I was informed that they did not recognize it as a scam, they would reverse the transaction, Discover is not responsible for this case. However, I was clearly scammed, and I would like to appeal this decision.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXXXXXX XXXX XXXXXXXX is on my credit inquiries XXXX times for XX/XX/2021 I have never applied for this company and why would they have XXXX inquiries at the same time
Company Response:
State: CA
Zip: 90061
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: My initial communication with Discover Bank about an " alleged debt '' was a Cease and Desist Letter and a Validation of Debt letter sent via certified mail and the CFPB portal. I asked this company for validation of the alleged debt, instead, I received no contract with a wet signature only " statements '' that don't validate any debts. I also asked this company to cease communication with me, and they blatantly sent more statements anyways. I feel this is a form of humiliation, harassment, and a violation of my consumer rights, and my privacy. I asked not to receive letters via mail because the company name on the envelope is a violation of my privacy and I don't feel anyone that touches my mail should know I am in communications with a " debt collector ''. They also sent my non-public information to outside agencies in an attempt to collect a debt without my consent. I never authorized my information to be shared or sold to any outside companies. If this issue isn't solved and my demands aren't met, I will proceed with legal proceedings.
Company Response:
State: TN
Zip: 37129
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This company is reported late payments on my credit report and I have directly sent them a dispute letter requesting them to correct the information and they have failed to yet do so and has also continued to. Pursuant to 15 U.S.C 16681a ( 2 ) 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. This company is reporting transactions between me and the company which states is excluded from my consumer report. Pursuant to 15 U.S.C 1666b timing of payments to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Discover Bank went down twice in XXXX and XXXX of XXXX. The first time I made a mobile deposit with my main business income and the deposit didn't clear. I received a notice that mobile deposits submitted between XX/XX/XXXX and XX/XX/XXXX were delayed in processing. It did not deposit for a week and cleared on XX/XX/XXXX. The question then comes, how do you get external money into a Discover checking account so that your rent payment clears? Well, no money apps work with Discover checking- not XXXX, not XXXX, nothing. The app Discover had on their own website, XXXX, hasn't worked for months. When talking to a customer service rep about what I could possible do, the only option became XXXX XXXX XXXX. I promptly go there and am informed that the Discover debit card that I had doesn't work for their money services- the XXXX card that would have worked was manufactured last year but was never sent to me. The other time Discover went down, there was 'system maintenance ' for XXXX hours with no warning given to customers and you couldn't access money again over a weekend. So, here I am closing my Discover checking and savings accounts after bouncing XXXX rent checks with either no access to funds or no way to get external money into my account.
Company Response:
State: ID
Zip: 83706
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
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 XXXX XXXX, a fraudulent purchase of {$980.00} was made from XXXX through a 3rd party app called XXXX. The purchase was a laptop that was sent to an address in XXXX, Tennessee with my same name. I live in XXXX, TN over 4 hours away and have never lived or visited or do not know anyone in XXXX TN. After doing my own researching, the address sent to in XXXX, the complete address was misspelled that it was sent to from the XXXX. I have disputed this from the beginning. XXXX customer rep that I talked to knew it was a fraudulent charge but could not take it off and told me to file a dispute with Discover. I immediately cancelled that card and I got sent another card from Discover. I continued to use the new card with a different account number. I filed a dispute with Discover. The initial dispute was not filed correctly by Discover customer service and it came back against me in XX/XX/2022. I appealed that and talked to the fraud department at Discover and they were very nice and apologized and seen that it was not filed correctly. They temporarily gave me credit while it was being disputed. I noticed in XXXX that my bill had gone up drastically with no big purchase being put on it, so I contacted Discover. I wanted to talk to a manager, XXXX XXXX Ohio XXXX, and was informed that since my name, address and email was on the account, and I continued to use the card, that I was liable for the charge per the investigation that was done. I also cancelled that card and had a replacement card with a new account number. Unbelievable. If the investigation is no more thorough than this, they need new investigators. I am being fraudulently charged by Discover, as a consumer of their company who has always paid my bill on time. This is not right and needs to be fixed.
Company Response:
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
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: On XX/XX/2023, I sent an affidavit of truth to the following companies regarding reporting inaccurate information to my consumer file at XXXX, XXXX and XXXX. The first complaint was sent to Discover Bank, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. According to the tracking numbers that were provided in the affidavit of truth they received the information and the dispute and continue to report the errors to my credit file. The following financial institutions are continuing to violate the Fair Credit Reporting Act after I requested to exercise my right under 15 USC 1681 ( i ) ( a ) ( 2 ) ( B ) 2 Exclusions please see attached affidavit of truth. Also, under the Fair Credit Reporting Act and the Federal Trade Commission specifically the Gramm-Leach Billey Act 15 USC 6802 Obligations with respect to disclosures of personal information and my right to opt out from credit reporting was violated by these financial institutions. All five of these financial institutions knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties, which include XXXX, XXXX, and XXXX. They knowingly and willfully withheld information that explains how I the consumer can exercise the non-disclosure option. The following accounts are in violation of the Fair Credit Reporting Act XXXX. Discover Acct # Card ending in XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I believe that I am a victim of DISCOVER Banks unfair actions and they have caused me great harm. I also believe that they are causing harm to other people as well and will continue to fight for justice and our consumer rights. All of a sudden abruptly in XX/XX/2021, my DISCOVER credit card ending in XXXX was closed because of a subpoena for legal action pending from a lawsuit where I was named as one of the defendants in a fraud investigation because of my doing business with the main target XXXX XXXX XXXX. That company has now pleaded guilty of all charges and accusations against them. I humbly requested help for DISCOVER to reconsider my accounts being reinstated. I have attached documentation from the Department of Justice identifying me and my company as a victim in this fraud case. I am not guilty, and have not been convicted of any crime. Ive always paid, on time, and feel that the features and benefits of these cards are highly beneficial. I am looking forward to resolving this as I truly value being a DISCOVER member and would be honored to continue to prove my value as a reliable customer to use even more products in the future. I have been a loyal DISCOVER cardholder for many years, and use it a lot monthly for my personal and business expenses for working capital that my business relies on to operate. I have never been late paying them. Based on these facts, If my account is not reinstated, I, the Claimant, seek damages according to applicable law, including but not limited to the loss of business operations and potential earnings because of this abrupt, untimely, and wrongful account closure. This has caused Claimants credit score to drop significantly from an Excellent to Poor rating with denials of credit and loan applications. Claimant seeks to recover its reasonable fees and costs incurred in this legal proceeding and for such other and further relief as may deem just and proper.
Company Response:
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I applied for a new Discover card & was approved. Once I received my card, I activated it with Discover by calling their activation number on XX/XX/2023 & using their automated system to which it confirmed that my card was now activated. My only reason for getting this card was to transfer a balance & use their advertised 0 % Intro APR on balance transfers for 18 months. On XX/XX/2023, I completed their online form for my balance transfer & received a confirmation that it would be processed within 5-7 days. On XX/XX/2023, I received an email from Discover stating that my balance transfer request was unable to be processed due to my " account status at the time of the request ''. On XX/XX/2023, I called Discover to find out what this meant. Their call center instructs you to enter in your last 4-digits of your SS # before transferring you to a Customer Service agent . The first agent I spoke with verified my name & phone number, informing me that they needed to reverify who I was by sending me a text code. I agreed to having this done through their " 3rd party service '' that they use. The Customer Service agent then tells me that their 3rd party service is unable to verify me by using my phone number. They asked me if I had another phone number. I responded " No, this is my primary phone number that I used for 10 years & other credit card companies including my bank have never had any issues with using my phone number or verifying my identify in order to be able to speak with me regarding my account ''. I suggested that they use my email address & the agent informs me that they are unable to use an email address ( yet, this government website that I am registering this complaint through uses an email to verify my identify .... but I digress ). The agent states that she needs to check on something & would need to put me on hold. She puts me on hold & hangs up on me. I call back & speak with agent # 2 letting her know what just happened. She attempts to help me but says the same thing .... Discover 's " 3rd party service '' that verifies account holders can not use my phone number to verify me. She tells me that I need to wait until XX/XX/2023 to be able to call back again to address my card concerns because without the verification, they are unable to speak with me regarding any account details. My complaint is that this unprofessional company had no problem processing my identity ( name, social security number, address, email, phone number, credit history, etc. ) to provide me with a credit card but can not do the bare minimum of verifying my identify with my primary phone number ( the ONLY verification that their 3rd party service allows ) in order to provide customer service to me over the phone & the entire purpose of my phone call to them was in regards to me not being able to use the credit card they gave to me in the manner to which they advertised me being able to use it. This has been the most unprofessional company that I have had to deal with & it seems that they are in over their head when it comes to doing the bare minimum. I fully regret getting a Discover card & having my identify information exposed to a company that doesn't seem to be conducting their financial division with full disclosure when it comes to their account holders.
Company Response:
State: MN
Zip: 55076
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XXXX, XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To Whom It May Concern : As per 15 USC 1692c ( c ) I am notifying you to cease all further communication regarding any alleged debt through any medium. After being harassed for months, violating 15 USC 1692a ( 3 ), about a debt I do not own and using threats in an attempt to collect the alleged debt, I invoke my right to this specified remedy as per 15 USC 1692c ( 2 ) : - Pay the invoice attached. - Deletion from all consumer reports Any correspondence excluding a notice of receipt of this letter and paying the invoice from you will be documented and sent to the appropriate agencies regarding your violations. Please be advised that if communications continue, I will file complaints with the Federal Trade Commission and the local attorney generals office. Thank you, XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A