Date Received: 2023-03-05
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Application # XXXX On or about XX/XX/XXXX I applied for a DISCOVER it Credit Card with DISCOVER. I received a denial letter on XX/XX/XXXX stating reasons I was denied ( Denial Letter Attached ). I then mailed DISCOVER an adverse action letter addressing the denial ( Letter Attached ), in which I received no response from the financial institution. I do believe I was discriminated against, as I know my credit score has nothing to do with an approval. Even if DISCOVER denies me, they can still deposit the application into the Federal Reserve Bank for notes. I would like DISCOVER to understand that I am aware of how Financial Institutions do business in commerce on the private side. I understand that my signature creates the security collateral in ANY consumer credit transaction. I am aware that the term credit means the right granted by I, the original creditor, to a debtor DISCOVER to defer payment of the debt or DISCOVER to incur debt or a loan from the US Treasury and defer its payment. This makes DISCOVER ( 12 U.S.C. 1431 } a borrower or solicitor who induced me to the treasury window to receive funds unbeknownst to me, at the time of the transaction. I, the consumer, came to extend credit and not receive a loan from the U.S. Treasury. DISCOVER 's lack of willful full disclosure was the fraud of execution in conjunction with fraud of inducement brought forth by DISCOVER. I am aware that although I was told I was denied, the application was still deposited into the Federal Reserve Bank for notes. The Federal Reserve Act Section 16 parts 1 and 2 states this fact. I am also aware, in accordance with the term creditor in subsection 1602 ( g ), pursuant to 15 U.S. Code 1602 ( i ) a consumer in reference to a credit transaction is the party whose credit is extended from is a natural person and the subject of the consumer credit transaction is primarily for personal, family, or household purposes. Furthermore, I am aware that my social security card is a credit card pursuant to 15 U.S.C 1602 ( l ) as any card, plate, coupon book or other credit device. Existing for the purpose of obtaining money, property, labor, or services on credit. I am also aware that the unlawful use of a credit card such as ( Social Security Card ) under 15 U.S.C. 1602 ( l ) by a organization or person other than the card holder who does not have actual, implied, or apparent authority for such use and from which the cardholder ( me ) receives no benefit equals unauthorized use pursuant to 15 U.S.C 1602 ( p ).
Company Response:
State: LA
Zip: 70072
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I closed my XXXX Credit Card approximately a month ago with Discover and at first they told me that my money would be send as a check by mail in 5-7 days. Last weekend I called and asked again where is my money, but not only nobody could help me ( they transferred me more than 8 times to others Representatives ) but also gave me the same speech that I also have to wait 5-10 days now. This is an absurd, because they messed up in the first time and I still dont have my money back! This is a unacceptable!
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I disputed on XXXX on XX/XX/XXXX. I received a result on XX/XX/XXXX that my account did not change. I requested for my XX/XX/XXXX late payment to be removed because on my discover account and XXXX XXXX XXXX account. It has shown I had paid in XX/XX/XXXX. I disputed on XXXX on XX/XX/XXXX. I explained my situation, Affected by COVID-19. I was finding stable job. My first job did not ethically pay me. XXXX XXXX XXXX had a civil lawsuit due to not paying workers lunch, break, and overtime. I provided sources of this outcome. I did receive part of a settlement in early XXXX. I work with children with XXXX XXXX. I provide XXXX XXXX in the XXXX department. It is still difficult post covid as children and their families are still getting covid. I was transitioning to a second job and third job early-mid last year and I had to wait 3 weeks for partial of my payment post payroll as my supervisor made an error on my end and had me work longer with no pay. It was not until XX/XX/XXXX, I found a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has allowed me to be consistent with all payments and I have not missed any since I received that job. Today, XX/XX/XXXX, I received no results regarding this incident.
Company Response:
State: CA
Zip: 92583
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX i set up online a domestic wire transfer from my discover money market account for {$4500.00}, i then called and spoke to a discover agent who told me they are reviewing the wire instructions and if no problem should go by XXXX XXXX on that day. The recipient sent me a message on XX/XX/XXXX that he did not receive the wire as i had promised, i called discover bank immediately, the first agent hung up on me, i called back and the next agent told me my wire transfer will not go, that it was a business decision by discover, that my options were ACH or certified check, which i declined. I sent my recipient the money with paypal. On XX/XX/XXXX i was shocked to get an email from discover that my wire was processing, i immediately called discover, the agent apologised, refunded my wire transfer fee and told me the wire was going to be recalled. Till date i have made several calls to resolve the issue with no success, i spoke to a supervisor by the name XXXX, who told me she has taken over the case and will be updating me on it and that she will investigate my initial call when i was told the wire will not go out for business reasons by discover, i have not heard from her since then, i left message for her to call me but she has not till date called me back. I have had paypal refund me the money so i dont need the refund from discover, but i have to put this out so that discover bank is corrected from doing this to someone else, i believe i was treated this way because of my sociodemographics factor.
Company Response:
State: NC
Zip: 28311
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. According to the law XXXX5 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Company Response:
State: FL
Zip: 33444
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have had an account with Discover Bank for over 4 years. Recently I decided to close the account and transfer the funds to an account, also in my name, at XXXX. To this end I submitted a wire transfer request through Discovers mobile banking app. After making the request I received a call from Discovers wire department. They said they needed to do further verification. I answered all of their verification questions correctly. At the end of the call, they said they also needed a photograph of my drivers license. Given that this requirement is not disclosed in any documentation available to me, and in light of their poor data security practices evidenced by the data breach they experienced a few years ago in which customer data was offered for sale on the dark web, I declined. I asked that the wire transfer request be cancelled. Since then, I have learned that Discover has frozen my account. I submitted electronic transfer requests through XXXX as an alternative means of transferring the funds but these were denied by Discover. XXXX has informed me Your account at the external institution is ineligible for online transfers. Please understand that Discover Bank is an online bank. They have no branches aside from a single nominal branch at their statutory headquarters in Delaware. All of my activity during my 4+ years with Discover has been conducted online. Under the guise of online security Discover is preventing me from terminating my relationship with them and moving my funds elsewhere. The account continues to earn a rate of interest significantly below the risk-free rate at this time, enabling Discover to continue to profit on my funds at my expense despite the fiduciary prohibition on their doing so.
Company Response:
State: CA
Zip: 94116
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Hey guys so back in XX/XX/2020 I opened a discover account but since I live in a mobile home with a assigned number they never sent me a card notice that my account was approved & opened & my card never came in the mail the first 8 months after opening the account. I did receive however a cash advance of {$120.00} and since I was unemployed at the time I didnt know where it came from so I cashed it out to help out with my bills. 7-8 months later I got a call from a random number and I answered and it turned out to be someone from discovery letting me know that my credit card account is on hold and they might delete it due to not paying the amount of {$120.00}. So I had asked him why I have not received a card if I had an open account and he check into it and found out that my address put did not have my space number so I never received it. They told me that theirs nothing they can basically do since its already on my credit.
Company Response:
State: CA
Zip: 92703
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/2023 I was automatically charged {$390.00} as part of a monthly payment. This was not the first time I was dramatically overcharged. Today, on XX/XX/2023, I made a phone call asking what I was charged, which should have been less than {$180.00}. After being informed of a second student loan filed under a different social security number that I am being charged for, the company told me that my only option was to appeal for another loan to pay off both accounts, and charge me interest. After asking which loans would be paid off they told me it would still just be the one loan listed under my proper social security number, and wouldn't do anything involving the second loan. This has been my third attempt at fixing the issue and each time I call they tell me it's resolved when it hasn't. They also tell me to log into their online website to fix my student loan issues, but when I go to their website I'm told I don't have an account with them.
Company Response:
State: ME
Zip: 04005
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: On XX/XX/2023 without authentication Discover Financial ran an unauthorized hard credit Inquiry. I didn't realize until I checked my credit report a couple months later and noticed an address XXXX XXXX XXXX XXXX XXXX XXXX FI, which has NEVER been or is NOT my address. I've never lived in Florida. In result of the fraudulent hard inquiry my credit score dropped XXXX points. I've attached a picture to support the fraudulent hard inquiry pull on my credit report, a picture to support unknown address on credit report, and a picture showing the XXXX points resulting of the fraudulent hard inquiry pull.
Company Response:
State: CA
Zip: 935XX
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: These late payments are not accurate.
Company Response:
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A