Date Received: 2023-02-23
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Please refer to case XXXX and case XXXX for the whole process. This is the 3rd complaint regarding one unsolved problem. In summary, I applied for personal loan from Discover, loan ending XXXX on XX/XX/2022 for XXXX XXXX Called on XX/XX/XXXX, and was told the account number was incorrect, but the representative promised the loan would not be processed and check would not go through because of unmatched account holder 's name and account number. Waited until XX/XX/XXXX to call back about the loan status and was told the check was cashed and money went to someone else account. Was asked to open a recovery claim with XXXX XXXX ( my bank where the fund should go to ). Based on Discover response, due to their incompetent practice, the claim had not started until XX/XX/XXXX. On XX/XX/2022, I received an email from XXXX XXXXXXXX, my bank, stating that the fund had been credited back to XXXX XXXX, a third party company Discover used to issue check for the fund. Then waited and waited forever without hearing anything from Discover until I filed the 2nd complaint. Then on XX/XX/XXXX, one representative called and asked to do conference call with XXXX XXXX because based on Discover research, they had not received money back yet, I was not surprised because of how unprofessional and messy they were. Then conference call with XXXX XXXXXXXX took place on XX/XX/XXXX, XXXX XXXX confirmed they had refunded the money and would provide the trace ID, and they did on XX/XX/XXXX I called Discover on XX/XX/XXXX and provided Trace ID for the refunded fund, I was asked to provide rounting number and account number and was promised that money would be disbursed back to my bank account in the next several days. Waited and called back on XX/XX/XXXX to check for the status and was promised to have money latest on XX/XX/XXXX. Then again waited until XX/XX/XXXX and nothing, then had to call back on XX/XX/XXXX and was told to wait until XX/XX/XXXX because money was on the way to ME ( no clear indication whether it would go to my bank account or physical home address ). Then I waited waited waited until XX/XX/XXXX, nothing. Decided to call back XX/XX/XXXX and was told money has still not being recovered. Oh, so why told me twice that money was on the way to me? So basically, Discover doesn't know what they're doing. When I was asked to provide proof of refunded money, I did. But what they did to help me for this matter? Nothing, every single time I called, Discover lied and lied, and each different representative provided me different answer. How so? Also, the Chief executive phone number on the response letter is useless, never able to reach that person, so why bother to provide customer your number when you know you will avoid their call? So my question is if I do not keep pressing and pressing, would Discover just let this problem slide and take my payment every single month because they've been showing no effort to actually solve it. They said because the check had been cashed so I had to pay, fine, now XXXX XXXX returned the money, trace ID was also provided, what will be Discover next excuse? Their system is so messed up and broken that they're not able to trace the refunded money that was sent back to them. Even their representatives admitted that they did not know what the " back end '' department was doing, and the communication with the front end were disconnected. I don't care how you operate your company Discover, solve this issue, that is your obligation. This will be my last complaint, and Discover, if you still do not want to resolve this issue, I will take legal action against your unprofessional and unethical practice because now I have the proof that money was actually sent back to you. I will work with XXXX XXXX to officially prove it if necessary, and I do not owe you anything but you keep taking my payment for every single month. Plus, it is reaching the 90-day timeframe for the recovery claim you opened since XX/XX/XXXX XXXX So no more excuses this time, either solve the problem or getting sued.
Company Response:
State: LA
Zip: 70816
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2022 there was an inquiry reported from XXXX XXXX XXXX that I did not authorize. On XXXX there was an inquiry reported from XXXX XXXXXXXX XXXX that wasnt authorized by me. On XXXX there was an inquiry report from DISCOVER FINANCIAL SER that wasnt authorized by me. On XXXX there was another inquiry report pulled from DISCOVER FINANCIAL SER that wasnt authorized by me. On XXXX another inquiry report was pulled by DISCOVER FINANCIAL SER that wasnt authorized by me. On XXXX an inquiry was reported from XXXX XXXX XXXX that was not authorized by me. On XXXX there was an inquiry reported from XXXX XXXX XXXX that wasnt authorized by me. On XXXX there was an inquiry reported from XXXX XXXX XXXX XXXX that was not authorized by me. Ive contacted each of these financial institutions explaining that it was not me and the reports are still on my report.
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Requesting more information on the denial as it stated due to prior existing Discover account. I have no knowledge of an existing account or prior account balance that would cause a denial of future products. Therefore, I need clarity and information on this alleged existing account.
Company Response:
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My Discover Credit Account was closed on Wednesday XX/XX/XXXXXXXX due to unable to verify personal information. Ive never had a problem with Discover and never was asked to verify anything. I received no heads up of any sort. No phone call, letter, email, nothing and my account was closed due to not being able to verify my personal information. Again I received no heads about anything involving my personal information. The company basically confirmed that my account closed and nothing can be done. Im extremely disappointed with the lack of communication. Also it reflects on my credit report in a negative way.
Company Response:
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XX/XX/2023 To Whom It May Concern : I recently received a copy of my XXXX, XXXX, XXXX credit report, and I noticed some late payments, Chargeoff posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Company Response:
State: HI
Zip: 96816
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Discover Financial. 2020 its said paid charge off. I requested over the last 3 years to have the charge off removed and Discover financial wasnt reported accurate payment information to the Credit Bureaus everything about my file with Discover is inaccurate. Please have Discover send you in my file every signature every payment every phone Conversation
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am highly irate due to Discover Bank continually putting my payments in a hold for eight days when I've never bounced a payment. This is absolute discrimination and other consumers are facing the same dilemma. Some consumers don't go through payment review and their payments bounce back. Please do investigate this as in my opinion this is discrimination.
Company Response:
State: AZ
Zip: 85737
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
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: Charge Dispute # XXXX was approved by Discover and Charge Dispute # XXXX was denied by Discover when it was the same issue but a different amount. All documentation was provided in both disputes. Discover does not provide an option on their dispute process to identify a merchandise/service received that was overcharged by the merchant. The documentation provided in the disputes are " contracts '' between the merchant and one of it's nationwide prescription plans. If not resolved by this complaint, a subsequent complaint will be filed with the OH Attorney General.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a Prepaid credit card through discover to help rebuild my credit. I was informed I was denied for a Secured Credit card for 2 reasons : 1. Past account held with XXXX. ( I never utilized this card nor did load the card for any monetary value ) - I was advised this account was closed in 2019 but no further information was provided. ( I believe it was due to lack of utilization ) 2. Denied based on past Bankruptcy. I have more than sufficient income to support a prepaid credit card to assist in the rebuilding of my credit but was still declined for such offer. I also took a hit in my fico score because a hard inquiry was done against my credit to qualify me not for an unsecured line of revolving credit, but a secured line of credit. As a consumer and one responsible for load a secured credit card to be utilized, I believe it is not only unfair to have a hard inquiry done for such an offer, but the internal lending policy walks a fine line of " XXXX XXXX '' based off the marketing materials sent to consumers on a daily/monthly basis. I
Company Response:
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I applied for the discover card XX/XX/XXXX got call from company female asking for further info she told me that I was approved XX/XX/XXXX yet? when I tried to Activate the card that had arrived on the XX/XX/XXXX I could'nt so I waited tell I could call back on a business day which was XX/XX/2023. I was shifted to three different departments only to be told some one call and deemed my info fraudulent there for cancelling my account when I tried to reapply. they claimed that they had know knowledge of my account? though I was issued a card that I can verify with the Accounts numbers. I feel that I was done terribly wrong!. This is my complaint.
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A