Date Received: 2023-12-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I previously had a discover card, in good standing. Circumstances raised that required me to close the account, however the account was paid off, no balance. I recently applied for a new discover and was denied for the card. Unclear I called and left with more questions than answers. I was told by the first agent that my app was denied because the account was included in bankruptcy. I explained that the card was a t XXXX balance so it is not possible that it was included because there was nothing to include. I have yet to get a resolve.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: They call me 4-5 times a day every day of the week.
Company Response:
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: So I was trying to use my debit card to purchase something on the XXXX XXXX store. I had used it earlier in the day on XXXX XXXX no problem. This time however my bank declined the transaction. I attempted a few more times over the next day and it was declined every time. After hours of back and forth between Discover support and XXXX support, I was told the transactions were being declined by Discover " for security reasons ''. I asked what the security concerns were and was refused an answer. I asked for a timeframe for the issue to be resolved and was refused an answer. Because I am being completely refused the reason and any method or timeframe to resolve it, I am writing this complaint. They are refusing to work with me to resolve this issue and restore full access to my debit account
Company Response:
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent them a document rescinding any and all authorization they may have had to share my personal and private information per 15 USC 6802
Company Response:
State: OK
Zip: 73507
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am XXXX XXXX, federally protected consumer. Discover, this is the last attempt before legal action. I have not received my security deposit, the secured card needs to be unsecured and my credit limit did not raise. It has been over three months of restricted and not being able to extend/ utilize my credit as needed. This has injured me and discourage me with using credit with you. This action of not providing my secured deposit, converting my account to unsecured, and I called about a credit increase and was denied ; this is outstandingly negative. I spoke with USPS tracking and it has not appeared in the mail. If I do not hear from Discover via telephone and email about my " account '', I will move forward with the help of XXXX XXXX XXXX.
Company Response:
State: NY
Zip: 112XX
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I believe the account is invalid. DISCOVER BANK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. DISCOVER BANK XXXX
Company Response:
State: CA
Zip: 95482
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am beyond frustrated with the poor handling of fraudulent charges wrongly attributed to my Discover Card account. Despite submitting an official police report, FTC Identity Theft report, and contacting your fraud department multiple times, you have failed to adequately investigate or validate {$310.00} in charges made without my authorization. Not only have you reported inaccurate, unverified information to credit bureaus, harming my creditworthiness, but Discover continues suppressing this issue when I have provided substantial evidence of criminal financial fraud requiring your urgent attention. Your simplistic rationale that I must have made the charges since past bills were paid ignores today 's rampant identity theft risks. Over 92 % more Americans fell victim to account takeover fraud amidst the pandemic when many, like myself, faced personal trauma, job loss, and overwhelming instability taking focus away from finances. With my social security number, passwords, and other information compromised in various data breaches, it is entirely plausible my account was hacked by fraudsters. I am officially demanding complete statements itemizing all account charges and expect Discover to provide concrete verification like IP addresses, geolocation history, or other transaction metadata before falsely claiming charges as my own ever again. The reinstatement of unverified, disputed charges to my credit reports violates federal law. I have already suffered serious financial and emotional harm due to Discovers mishandling and urge this final good-faith attempt at resolution before pursuing legal action over irresponsible business practices. Please confirm receipt and provide next steps for thoroughly reassessing all unauthorized transactions.
Company Response:
State: NY
Zip: 10010
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to express my serious concerns about the inadequate and inconsistent responses from Discovery, a credit card company, and XXXX, a credit reporting company, in addressing fraudulent charges on my account. Discovery, the credit card company, not only failed to conduct a proper investigation, but their customer service representatives exhibited a concerning lack of empathy. Their dismissive responses, including phrases such as " do what you feel is right for you, '' left me bewildered and frustrated, especially when attempting to report unauthorized transactions. Adding to these troubles, Discovery continued to issue new cards without my explicit consent, despite a fraud alert in place. Despite my efforts to assist their investigation by providing a police report, including the case number, they only called the police twice, received no answer, and subsequently closed the case. Furthermore, when I reported identity theft to Discovery, they neglected to take appropriate measures to safeguard my personal information. Despite sharing critical details such as my social security number, birth certificate, and other sensitive data that had been compromised, they failed to enact protective measures. Compounding these issues, I explicitly requested that Discovery refrain from mailing sensitive information, citing security concerns. However, my request was disregarded, and documents continued to be sent without considering the potential risks. Additionally, I was erroneously informed not to make credit card payments during the investigation, with the assurance that all charges would be rectified. Regrettably, this commitment was never fulfilled, and my credit remains impacted. The communication has been an unproductive loop, with Discovery consistently asserting, " we're right, you're wrong. '' This dismissive attitude and lack of cooperation have heightened the stress and uncertainty surrounding the fraudulent activity on my account. I urgently implore the CFPB to thoroughly investigate both Discovery and XXXXXXXX XXXX handling of this matter and ensure corrective action is taken to rectify their negligent behavior and inconsistent customer service practices. Your intervention is crucial to bringing resolution to this distressing situation. Thank you for your prompt attention to this matter.
Company Response:
State: TX
Zip: 78741
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Just opened and used this card for a few months when they requested all this info to prove my identity after going to the bank and providing all statements WITH a notary also stamping and signing I then sent it back to them- I followed up with them and I was told by a rep that the dates of statements were missing at the top and I needed to fill out and send it back again - so I did, I specifically asked if it needed to be renotarized am I was told no it did not. So I again did what I was told to do, in full compliance of all that was asked. I waited a week or so and was told by a supervisor that the previous operator had been wrong and it DID need to be re-notarized! ( Which I would have done! ) and was told by the supervisor that she went back and listened to all my calls and DID hear the operator give me the wrong info, and that my only chance was to write a letter of appeal to the higher department- I did that as well! I received no response from them and my account is still closed! I was singled out for some reason and purposely closed - perhaps they realized I was XXXX and worried I couldnt pay my bill? Which I am still paying.
Company Response:
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: It is disconcerting that a reputed credit bureau would permit the dissemination of misleading information without thorough verification. The information listed on my credit report reflects a late payment on the aforementioned account. I emphatically contest the accuracy of this reporting, as I have consistently maintained a punctual payment history with the creditor in question. There has never been a situation where a payment has been overdue, and it is perplexing to find such misleading information tarnishing my credit profile. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. DISCOVERBANK XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I understand that errors can occur, but the inclusion of inaccurate information on my credit report has serious repercussions for my financial standing and is a violation of the Fair Credit Reporting Act ( FCRA ). I request that you promptly investigate this matter and take the necessary steps to correct the inaccuracies on my credit report.
Company Response:
State: CA
Zip: 91607
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A