Date Received: 2023-02-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Attaching FTC Identity theft affidavit for account number XXXX. This account has been blocked by XXXX already. Dispute with XXXX and XXXX is still on going. This statement along with my FTC Report XXXX. XXXX should be considered in your fair credit reporting practices.
Company Response:
State: NC
Zip: 28786
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with non-monetary relief
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: My ex wife opened a fraudulent credit card in my name and funded it with her checking account. I have already tried to resolve this issue with Discover Bank to which I have been unsuccessful. My next step is to contact an attorney to sue Discover Bank for breaking the law.
Company Response:
State: VA
Zip: 246XX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: This is a complaint concerning the personal loans I received from Discover. I have always paid payments on time since this loan first started in XXXX. I was able to benefit from their pandemic forbearance program during the Covid disruptions. The scheme was set up in a confusing fashion by Discover Loans, though. Despite the fact that Discover had me signed up for this service, they kept contacting and demanding monthly payments. I asked Discover staff why payments were required even though the loan was in forbearance, and they used a tactic where they passed me from person to person, each of whom gave me different information. This forced me to merely make a payment to be in the clear and to avoid harming my credit. They persisted in doing that during the entire epidemic, and in XX/XX/XXXX, even though I was enrolled in the special payment program, they reported me as being 60 days past due. Normal monthly payments had resumed at $ XXXXmonth for more than a year until XX/XX/XXXX, when I enrolled in a program with lower payments that would let me pay $ XXXXmonth for nine months ( Reduced payment program ). Discover continued to call me while I was enrolled in this program and paying the $ 250 monthly payment, demanding the entire amount that they claimed is past due. My credit limit was recently reduced by XXXX XXXX on of my credit cards, according to a letter I recently got from the bank due a derogatory remarks on my credit report. When I reviewed my credit reports with the three credit bureaus, I saw that Discover has been reporting my late payments to XXXX, XXXX, and XXXX since XX/XX/XXXX, respectively. Since enrolling in this reduced payment plan, I have called Discover numerous times to inquire as to why my account is showen that i have fallen behind on my payments and what is happening with this program, as it displays that I am {$1600.00} in arrears while being on a reduced payment plan. Discover never once gave me the correct answer. They either use the transfer to different agents trick, drop the call after telling you they will transfer you, or simply say they have no idea and still demand {$1600.00} or whatever amount they claim is past due. I called a few days ago and was transferred to two different agents. One of them was a manager, and at the end of the call she informed me that she does not have any expertise in personal loans and is only trained in student loans, and she promised to leave a message for someone to call me back. Meanwhile, they have destroyed my credit and no one has called, despite the fact that I am paying them monthly on a supposedly reduced payment plan. I am XXXX XXXX XXXX and believe I have been discriminated against and abused because of my age. Most of the time, they are condescending and speak slowly and loudly, with complete disregard for my concerns. In most cases, they hang up without warning.
Company Response:
State: NH
Zip: 03060
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
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: Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S| Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. Account With Discover Bank
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
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: DISCOVER continues to inaccurately report a dispute about an alleged " late payment '' on a {$200.00} secured credit card. DISCOVER responded to my attempt to correct the record by sending a copy of the statement. I asked for validation of the accounting but received a template response. This account ( & all of my credit accounts ) are PAID AS AGREED. Please help my correct this issue as it is the only negative mark on my credit report & I was not given any way to find remedy. To date ( XXXX/XXXX/23 ) I continue to have issues with the DISCOVER app as my login information returns server errors & the autopay STILL does not work, after 3 calls to set it up.
Company Response:
State: LA
Zip: 70454
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: During COVID I wasnt able to make payments on time to my discover card. I spoke with a representative and was told my payments would be deferred due to the exceptional payment history. I was told the account wouldnt be closed and the interest rate would not increase. I was told as long as I keep in contact during the process everything would be ok and just make payment once Im employed again. Weeks later my card was closed and the negative account was reported to my credit. After contacting discover I was told someone would give me a call to discuss options to rectify the situation. I received a call from someone asking to make payments with a prepaid credit card. I then called Discover to verify the caller and I was told someone would follow up, I never received a call so I called back to have the issue resolved. Upon request I was told the interest rate and late fees would be forgiven equaling to a settlement of {$1800.00}. My initial payment was {$80.00} and would be automatically withdrawn. The next month the payment was not deducted and this usury has not been resolved.
Company Response:
State: AL
Zip: 35023
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: DISCOVER BANK is currently reporting a fraudulent account to my credit report that was open without my knowledge or consent. I HAVE SENT POLICE REPORT, FTC IDENTITY THEFT REPORT AND THEY HAVE REFUSED TO REMOVE THIS FRAUDULENT ACCOUNT.
Company Response:
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
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 originally obtained vision insurance via XXXX through XXXX. They automatically renewed the policy which I never was given notice of being a condition. They did not allow a place to cancel on their home screen. They refused to take my calls and hung up on me when I tried to contact them about fixing the issue. They have engaged in a multi business marketing scam where they " sell '' the policy to third parties. I instituted a fraudulent charge with Discover acct on my account regarding the charge and also the Ohio Attorney General. The AG said I needed to file with the Ohio Dept of Insurance and I filed a complaint there. I also eventually filed a complaint with XXXX the initiater promoting the product. I disputed the charge with Discover. They came back saying they were provided with audio recording I agreed to be charged the money and were closing the dispute. Not allowing any verification or further investigation. The Ohio Dept of Insurance finally tracked down the company ripping me off in the multi company scam, who sent them documentation saying they had cancelled the policy due to non payment in XXXX, yet Discover had reversed, then re-instituting the charge saying they found in the merchants favor because I had no physical documentation at the moment. I sent them additional evidence the policy said it had been cancelled and they said it was irrelevant. The Insurance responded to the Ohio Dept of Insurance in XXXX saying they had cancelled the policy, a credit was issued to my credit card a second time. Then it was recharged a third time. This time I had documentation from the ODI saying they were told the policy was cancelled and not in effect. Notification from the Insurance company the policy was not in effect. The ODI said the company was in compliance and they were closing the complaint. I messaged them back saying the money had been credited to my account a second time, then re-billed a third time. I have not received a response. The CC company claims they did not need to do a second investigation with no evidence they deemed relevant, though they found in the merchants favor on the first dispute and the second credit and rebill was issued after that time, which they are now saying is due a second dispute, which they had claimed at the time they refused to initiate for lack of evidence. I have since provided them with the Insurance companies assurance the policy was cancelled for non payment. The ODI 's response they had cancelled the policy and I was not charged ( the second credit ) and then was rebilled. Discover is now acting in an obstructive manner, hanging up on me twice and refusing to process and acknowledge the evidence the charge is invalid, in spite of the ODI 's evidence the Insurance company telling them I do not have an active paid policy ( hence no charge for {$220.00} ). Yet they refuse to refund/credit the {$220.00} the third time. Before hanging up on me the second time on XX/XX/XXXX, Discover 's agent XXXX said they initiated a second investigation and were the ones who made the charge back a second time, not the insurance company though I was told there was no evidence for them to pursue a second review the second time I called in to dispute so why would they have issued the credit. It appears the Insurance did so to be able to claim to ODI the policy was cancelled and avoid sanctions and the credit does not reflect it being a dispute, so they could claim to the ODI I had no active policy, which was what the complaint was about. At the second time I tried to dispute with Discover, the only thing I could send them were multiple emails saying the policy was cancelled for non payment. They took the position the emails were after the billing date so meant nothing and thus there was no reason for a second dispute. They have refused to initiate a in XX/XX/XXXX a second dispute after I could provide all the documentation from the ODI assuring the insurance company informed them the policy was cancelled, not in effect and they were closing the complaint because the insurance company says they complied with all laws along with a notice form the insurance company sating the policy was cancelled. They've now resorted to hanging up on me at Discover, refusing to acknowledge they have a posted charge of {$220.00} they refuse to refund, for a policy the ODI and the insurance company both insist is not active. I want my money back and Discover censored for committing fraudulent activity on my account and refusing to credit my money back. They are refusing to initiate a third ( second ) dispute now that I can provide written documentation the charge is invalid.
Company Response:
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: companies refuse to permanently reverse reported fraud charges, even after numerous claims and being informed of fraudulent charges being opened under name
Company Response:
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I received my regular replacement card in XXXX of XXXX as my existing debit card for my Online Checking account was due to expire. I received the new card, activated it and updated my billpay accounts accordingly. I then accessed my account via the mobile app I have used since XXXX or XXXX, and there were two cards showing ( identical to the new blue debit card I had just activated as my regular update ). I then called and was told they are changing and updating their debit cards to accommodate CONTACTLESS PAY despite my ORIGINAL card having the feature. So I knew it was a lie. That same lie was perpetuated by 4 associates on that call until I requested a superior. She then explained that they were giving misinformation. So she removed the repeat card the system sent me and I felt inga were okay. Within 3 days my account access was not possible. I'd received my regular Social security deposit in the meantime that I use to pay my mortgage and had NO ACCESS TO THE ACCOUNT, FUNDS. ACH FEATURES. POS USE, LINK ACCOUNT TRANSFERS ETC, As anyone with this card was locked out of using any of their money in any capacity. I checked online and the same thing was basically nationwide, people couldn't spend or access their accounts. They then tried to blame it on a maintenance event that tan long or caused the problem and offered absolutely no eta for a fix. Eventually after received infinite complaints the company admitted finally that they either crashed or that they accepted responsibility and would reimburse people for the outage. The card and system finally came available sporadically, and then appeared to work. I tested it and also in stores. And was assessed a {$50.00} late fee and endured a blemish on my mortgage for the 1st time in 5 years. They then said to obtain paperwork for the fee and they would handle that for their consumers. I received an email from XXXX XXXX yesterday, XX/XX/XXXX that my account disconnected from Discover Bank. When I attempted to reconnect, u was AGAIN faced with no online access on ANY Discover bank site or login portal. Despite my numerous attempt it is still unresolved after calling them today and receiving condensending treatment from employees, suggesting to try other devices, and third party browsers to XXXX, XXXX etc. Making no attempt to escalate or resolve matter. I ended speaking to a sarcastic 'supervisor ' and examined I had done everything from clearing browser cache etc, and that the problem was that each time u try to enter your login credentials, their banking sites CLEAR THE DATA, THE PAGE REFRESHES AND AS though u hadn't even entered the data. I explained I am not responsible for testing browsers for Discover at risk of a 3rd party browser and that that is their job to test login portals for browser compatibility. I made it clear I only use XXXX. The response was that If the consumer won't try another browser somehow they can do nothing. I requested an IT ticket and she went on to explain in can be up to 3 days etc. But that I'd im not willing to buy purchase download or try another browser there was little IT could DO. I said fine, but I'll be filing a complaint about the persistent blockage of access to consumers funds since XXXX and their change over to the new debut cards. In addition the representative who removed the 2nd card they linked to my already activated " new card '' and disabled it dod something that caused me to be locked out of my functioning new card. So ultimately I had to call them back to overnight yet the THIRD new blue and orange card. And we arrive at today. In the end, they FAILED to notify consumers of the maintenance scheduled that caused the outage, and claimed that normally it occurs on weekends without incident but that one had an issue, for over a WEEK that kept all of us from any access to our funds in any way shape or form.
Company Response:
State: OH
Zip: 44109
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A