Date Received: 2023-02-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Initially we were experienced a very serious compromise on XX/XX/XXXX, this forced us to change all of our banking accounts and I believe that we requested new credit cards but not 100 % certain. Computers were taken to XXXX XXXX at XXXX XXXX and supposedly fixed but due to severity of compromise we did not use any computer that was involved after because they installed XXXX XXXX. Now fast-forward to XX/XX/XXXX and I start getting text from my Discover Credit Card about a transaction from XXXX asking if this was transaction and I would respond no, without thought I just thought that since this was the fraud dept they declined all of them. This text started to be frequent so I decided to login to my account because I started to think this was a spam text at this point, and to my amazement it was not. There were a multitude of charges from XXXX that actually started as a temporary authorization on XX/XX/XXXX for XXXX that was credited back on XX/XX/XXXX, on XX/XX/XXXX XXXX transactions were approved, on XX/XX/XXXX XXXX transactions were approved, on XX/XX/XXXX 49 transactions were approved, on XX/XX/XXXX XXXX transactions were approved, on XX/XX/XXXX XXXX transactions were approved, on XX/XX/XXXX 12 transactions were approved, on XX/XX/XXXX XXXX transactions were approved, on XX/XX/XXXX 12 transactions were approved, on XX/XX/XXXX XXXX transactions were approved, on XX/XX/XXXX 12 transactions were approved, on XX/XX/XXXX 5 transactions were approved. They gave me an dispute adjustment but told me there wasnt enough evidence to prove this was fraud, I sent screenshots from my account showing the only order I have ever placed was in XXXX. The next issue that they issued a partial credit for is with XXXX XXXX. The first transaction starts on XX/XX/XXXX and these are 2-3 transactions daily for {$4.00} for a total of 482 transactions, they credited me for 70. I reached out to XXXX and I was initially told that someone was using my card to purchase digital games on an account that has been closed and flagged as fraudulent and that they would investigate and get me refunded but no one gets back to me. When I call back they say that the other person should have never told me that but irregardless I never made the charges and this needs resolved yesterday. You can not see these charges on my XXXX account but both XXXX and Discover will not refund these. Next Issue is XXXX XXXX, this was cancelled on XX/XX/XXXX but I was charged every month including XX/XX/XXXX. I provided an email with communication with the delta dental representative. I had replaced this insurance with another dental insurance so I so it is illegal for me to have 3 coverages hence the reason I cancelled. I filed the dispute and they gave me credit for 1 month then reversed that credit. This is literally the reason that automatic payments have a bad rap, you cancel them and the credit card or financial institute sides with them. Last one is XXXX, there was a charge on XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXX reversal of temp credit. This one is a little more in depth because I was being charged for the same thing when I bought my computer and did not know it on my XXXX XXXX card which is the card that I bought the computer with. The problem with this is the information that they have on file besides my credit card and my name isnt correct. The email address is not mine, the IP address is out of the US, and the details that they provided are incorrect. Besides all of this XXXX is not a subscription that I would purchase if I was purchasing one. In addition if I in fact had this subscription you are charging me more than the initial amount so I need to authorize this amount and how can I when this isnt even my email address. Then the XXXX subscription would be a double charge because you charged my XXXX at the same time so you still need to give me money back and I do not have the subscription information because since XX/XX/XXXX since the Hack I have not had access to my computer.
Company Response:
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
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 have a Discover credit card and they have recently put missed payments on my credit report which are not my fault. I changed banks, updated my payment information in their system, and they never ran the payment when they were supposed to. They continued charging my previous bank despite having the information for my new bank and are trying to hold me accountable for their mistake. They are claiming that I only created a one-time payment with my new banking details and that I never set up automatic payments with my new banking details. This is not true. I never would have left their website without having done that. That's specifically why I went to their website that day. They could have run my payment details at any time. I have escalated through their chat support and through their phone support. They refuse to fix the error on my credit report on the grounds that it is accurate.
Company Response:
State: ME
Zip: 044XX
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023, I found out that my Discover Credit Card Account was closed without my knowledge. I learned this information after seeing a drop in my credit score. I contacted Discover to inquire why my account was closed without my knowledge. Discover reported it was due to inactivity. I never received any notice of that. Discovered noted a letter was mailed. They also noted a email was sent. Neither of which I knew about. They confirmed that they never attempted a phone call, although, it is the preferred method of contact. The major concern is the negative impact to my credit. In addition, the account has been open for approximately 9 years. I have never missed a payment, I have always been in good standing, in fact, there is a minor credit on my account due to overpayment. I have contacted Discover several times and escalated it. Each time their response is sorry, nothing we can do. The account was closed late XXXX. Discover noted that they sent notice in XXXX.
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was told I had a balance transfer offer after I inquired. However, the date had past and no balance transfer offer expiration date has ever been included in my billing statement. When I reached out to the company they said I could only view the date if I went into the app and viewed the offer while it was active. When I asked where in my statement the expiration date was I was told they can not view my statements, their is nowhere to view my agreement online, that it should have been mailed ( I opted into digital communication ), and that I should fax or write a letter to them about my concern.
Company Response:
State: CA
Zip: 90803
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: CFPB WRITE UP 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 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. 45.3K
Company Response:
State: MA
Zip: 02151
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
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: When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report DISCOVER BANK XXXX Balance : {$3100.00}
Company Response:
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
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 purchased a new laptop computer online XX/XX/2022 for XXXX the laptop was falsely advertised and the XXXX factory seal missing therefore this laptop was used, refurbed or tampered with, also later noticing the specifications were not correct, I took this matter up customer service multiple times disputing the charge and it kept being solved in the merchants favor saying it was a valid transaction, so i contacted the Executive officer of customer advocacy ( XXXX ) Once again they said it was a valid transaction, This Has Nothing To Do With Being A Valid Transaction, This Was Fraud And False Advertising Which Is Illegal, Therefore they Let A Criminal Violate me, I've Been A Customer Of Discover For 28 Years, I Definitely Do Not Agree With The Way This Issue Was Handled
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
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: This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Company Response:
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is related to a previous complaint request to Discover. Particularly in regards to my account XXXX. I appreciate the thorough response from Discover and want to point out an important issue for me, as a customer, and for others that may have this issue. When I enrolled in the payment program offered on the mobile site on XX/XX/25, the offer resembled an official payment plan. Theres no indication this could be anything else. The amount is generated by Discover to give payment options. I took the {$200.00}. I assumed the numbers were to keep the account from falling further delinquent. As you can see, the explanation from Discover is that {$210.00} would have been what was needed to keep from being reported as delinquent. Theres not one human being I could name that would allow their account that they are struggling to keep afloat fall into a delinquency over three dollars. I feel this was extremely misleading to me as a customer.
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My information was used on applications for XXXX XXXX and Discover Bank Credit cards. I did not apply for these credit cards.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A