Date Received: 2023-02-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Good afternoon Sir or Ma'am, I am an XXXX serviceman who deployed from XXXX to XXXX ( see attached deployment letter ). During this period, we did not have internet access due to the nature of our job requirements at the time. I understand that a payment wasn't made on a timely manner for the month of XX/XX/2020. Aware of this situation I called Discover customer service as soon as I had an opportunity, and explained the situation which they were extremely helpful. However, there is a late payment for that event affecting my credit. Respectfully request to reverse this negative report on my credit. Sincerely, XXXX XXXX XXXX XXXX
Company Response:
State: HI
Zip: 96706
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
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: On XX/XX/2022 I purchased two pairs of shoes from XXXX in the amount of {$2400.00}. I used my Discover card and paid through XXXX. The payment was made in two separate charges I assume, as the shoes were going to be shipped out. On XX/XX/XXXX I had a charge of {$1200.00}. and again on XX/XX/XXXX I had another charge of {$1200.00}. The shoes arrived on XX/XX/XXXX. I however decided that they did not fit, and I needed to return them, which I did that day, at XXXX. Which I have the receipt for the drop off. I also do have screenshots from XXXX that the items were returned back to XXXX and signed for in their warehouse two separate packages as they were shipped in two separate packages and had to go back into separate packages. They were signed for by XXXX. On XX/XX/2022 I received one refund through XXXX on my Discover card and the amount of {$1200.00}. I kept waiting for the other refund for the other pair of shoes to be applied to my account. However that did not happen. I did contact XXXX and they told me that the refund fell out of their system. And that they would figure out what was going on and I would get my refund soon. I waited a few weeks and nothing happened. So I contacted Discover card to start a dispute process. That took some time, and then eventually, I was told that the dispute was in XXXX favor that the charges were legitimate. And I knew that this wasnt true, because I had proof that I was charged for two pairs of shoes, and returned two pairs of shoes. They asked for documentation that I returned the two pairs of shoes. I sent them copies of my XXXX, drop off receipt and of the proof of delivery to XXXX as they requested. And again they denied me. So I contacted XXXX again to see if this could be resolved, because every time that Discover card would say its a legitimate charge I would continue the dispute, because I know it is not a legitimate charge. Because I returned the items and I was only refunded for one of them. So just recently again Ive been contacting XXXX and they state that there was some sort of an error and that they were only able to charge me one of the {$1200.00} that only one of the payments went through. Now they provided some documentation on their end showing that they were only able to capture one payment and they refunded that which I am not denying the one refund on XX/XX/2022. I spoke with XXXX. XXXX says that that is not true that XXXX received the two payments each of {$1200.00} one on XX/XX/XXXX and one on XX/XX/2022. I again spoke to Discover card and told them what happened how XXXX is stating that they only got the one payment but thats not true because I have two charges on my XXXX and on my Discover card and I sent them copies of each of the charges. I also contacted XXXX again and provided them with copies of both my XXXX and my Discover card showing the two charges and also the one refund. And they are completely denying that the other charge went through on XX/XX/2022. I have documentation of everyone I have ever spoke to you at Discover card at XXXX at XXXX. I cant seem to get anyone to help me. Now Im stuck with a credit card bill of {$1200.00} that I have to pay. I dont have the money and I dont have the shoes. Although I have proof that these charges are on my credit card, and then I only have one refund I also have proof and written proof from XXXX that yes, I returned the two pairs of shoes. So I dont understand why I dont have the refund. And XXXX wont help me because they say its past their 180 days to help me although Ive been working with Discover card trying to get them to help me as they are my banking institution so I thought that I needed to work with them. And they told me basically theres nothing that they can do that. Theyve escalated it as high as they can. And then they reapplied the charge on my account. Please help me I am begging you. I have been a 25+ year customer of Discover card, and I have never had an issue.
Company Response:
State: CA
Zip: 90066
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
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: 15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered
Company Response:
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Discover Bank Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section A states I have a right to privacy. 15 U.S.C. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other Adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX XXXX XXXX has a long history of credit card collection maleficence and abuse of the legal system. They failed to serve me a suit with the Index number in XXXX XXXX, NY of XXXX. Their process server filed a perjured Affidavit of Service on a date I was out of state during recovery post XXXX XXXX XXXX. Additionally, the server 's description of the servee was fictional. XXXX XXXX XXXX was informed of this fact and followed up with a revised perjured Affidavit of Service that was attached to a picture of a house that is not mine, updated with a description of said recipient only after I appeared in court and used accordingly. Their revised Affidavit of Service documented their use of perjury to confirm service. It included a picture of a building that is not my house, as well as a cell phone picture was taken of me with an illegible piece of paper taken MONTHS AFTER their initiation of a case and not on the date and time they claim I was served. The Affidavit of Service CLEARLY states the date of service as well as the time of XXXX XXXX The photo that was shot MONTHS LATER, clearly shows the time shot as XXXX XXXX XXXX '' so it is quite obviously not the date and time that is stated in the Affidavit of Service. Additionally, XXXX XXXX XXXX have ignored filed discovery requests including supplying copies of bank statements that cover the time period of the amounts they claimed are owed to Discover Bank. I had to appear in court to answer this action at times I was in the middle of an XXXX daily session of XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ignoring discovery is a willful attempt to keep me from validating the amount they claim is owed to Discover Bank. I have knowledge and documentation of refunds owed to me by Discover Bank, as well as documentation of {$1200.00} of funds transfers that did not arrive at the directed bank and were not credited back to my Discover Bank checking account.
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: There was was an over due balance in which i negotiated with there credit company and came in to a negotiation to have completely removed upon the the completion of the negotiatiated amount once i finished paying the agreed amount instead of removing from my credit report they put the closed account as a charge off.
Company Response:
State: MD
Zip: 21133
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: DISCOVER CARD is charging me the outrageous late fee of {$41.00} plus interest on the balance! NOTIFICATION : I shall file for bankruptcy if I am required or forced or harassed or intimated to pay {$41.00} in a late fee! My beloved wife XXXX and I are very devout XXXX XXXX of advanced age with very seniors medical conditions, problems, and challenged and live solely and exclusively on Social Security on which we CAN NOT MAKE ENDS MEET and on top of this there is SOARING INFLATION! Yet these cruel and brutal " human beings '' at Discover Card are demanding a pound of flesh from us and our blood! And they take no prisoners! Nor does dysfunctional Congress nor the CFPB nor the Board of Governors of the Federal Reserve nor the Comptroller of the Currency nor The White House do a thing about these outrageously high late fees and Discover Card is by no means alone in this! TO REPEAT : I SHALL FILE FOR BANKRUPTCY AS I CAN NOT PAY THESE LATE FEES AT {$41.00} A CLIP FROM EVIL DISCOVER CARD, EVIL FOR SUCH CHARGES!
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In response to complaint XXXX, Discover Bank stated that they issued a bonus of {$100.00} to my savings account. That deposit never posted to my account.
Company Response:
State: IL
Zip: 60189
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: My name is XXXX XXXX. Discover card number XXXX. On XX/XX/2023, I received an email from Discover ( see attached ) : On XX/XX/2023 your automatic payment will be processed from your bank account ending in XXXX. On XX/XX/2023, I received an email from Discover ( see attached ) : Your payment of {$45.00} posted to your account on XX/XX/2023. On XX/XX/2023, I received an email from Discover ( see attached ) : Thank you for your interest in the DirectPay Program, one of the most convenient ways to pay your Discover card bill. Your financial institution recently informed us that either an invalid account number was provided or the account is closed. In either case, we are unable to process your scheduled payments and your enrollment in DirectPay has been canceled. Please refer to your monthly statement to determine the payment due date going forward. It should be noted that no change has been made on my side, between XX/XX/2023 and XX/XX/2023. On XX/XX/2023, I received an email from Discover ( see attached ) : A payment ( s ) was recently made to your Discover Card account using a bank account ending in XXXX which returned unpaid. Due to the return ( s ), the bank account noted above will be restricted from setting up payments for any Discover accounts until you contact the bank holding the account noted above to resolve this issue. Once resolved, you will need to contact us if you would like to continue to utilize this bank account. Any payments scheduled for a future date using the bank account ending in XXXX have been canceled. Since any future payments leveraging this bank account have been canceled, please be sure to pay at least the minimum amount due, reflected on your monthly statement. Once you have resolved any issue with the bank holding the account referenced above please call us at XXXX ( XXXX ). On XX/XX/2023, I forwarded Discover email from XX/XX/2023 to my BankXXXX XXXX XXXX ( see attached ). On XX/XX/2023, I received an email from XXXX XXXX ( see attached ) : Thank you for reaching out. Im sorry to hear about the trouble youre having with your autopayment. However, I just checked your account and looks like you have sufficient funds and the account is active. Not sure why it was returned. I do see two ACH debits on XXXX, meaning the account is active and processes payments. You might want to reach out to Discover and see exactly what went wrong. On XX/XX/2023, I set up a new online payment using the same account and received an email from Discover ( see attached ) : XXXX XXXX, thank you for adding bank accounts for online payments. As requested, the following bank account ( s ) have been added for online payments to your Discover card ending in XXXX : XXXX XXXX XXXX account ending in XXXX. On XX/XX/2023, I posted manual payment for the full outstanding balance and I received an email from Discover ( see attached ) : XXXX XXXX, your online Discover card payment is scheduled. Here 's the info we'll be using for your payment. On XX/XX/2023, I activated auto payment and received an email from Discover ( see attached ) : XXXX XXXX, you're signed up for automatic payments through DirectPay. Now that you're signed up, you'll automatically pay your Discover card account ending in XXXX. Please review this information to make sure we're all set. On XX/XX/2023, I received an email from Discover ( see attached ) : You're making automatic payments. On XX/XX/2023 your automatic payment will be processed from your bank account ending in XXXX. On XX/XX/2023, I received red flag notices and significant credit score reductions from all credit bureaus in the country, stating that on XX/XX/2023, Discover reported a 30 day delinquent to my account. On XX/XX/2023 Immediately after receiving the devastating news, I submitted a new payment ( see attached ) online. I also reached out to Discover customer service who were extremely unhelpful and couldnt get access to all the above records. Both account manager and supervisor couldnt find an explanation why the scheduled payment set for XX/XX/2023 nor the auto payment scheduled for XX/XX/2023 as evidenced above didnt come through. They also confirmed that the new payment I submitted on XX/XX/2023 will go through within few days. On XX/XX/2023 I went online, and was surprised to see that XX/XX/2023 payment disappeared from the online system. I immediately posted another payment and received another confirmation email from Discover ( see attached ). I also called customer service. Account manager couldnt see XX/XX/2023 payment in the system. She said that XX/XX/2023 came through, supervisor confirmed it was not true! This time the supervisor admitted that XX/XX/2023, XX/XX/2023, XX/XX/2023 were deleted by the system. Deleted not declined!!! She tried to explain there is some hold on my account that probably causes this default. She cancelled all open payments and autopayments so I can pay the open balance using my debit card ( confirmation number XXXX ), an option that was never offered to me before. Now, more 12 hours after a successful debit card payment, the balance remains open on Discover mobile app. During all this time I never received another notification from Discover stating that my payments are or will be declined. I only received positive emails confirming upcoming payments and couldnt suspect their system will just delete them without notifying me. And why would I suspect knowing that I pay thousands of dollars each month for my major credit cards using the same account? XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been a member for over XXXX years with Discover Bank and have never been delinquent. Per 15 USC 1681 623a7, line item 6. Notice of negative information, Discover bank did not follow the following steps by law. The Federal Reserve Board ( XXXX ) was directed by XXXX to write sample notices for financial institutions. The Board has finalized the regulation, at XXXX. The sample notices adopted by the Federal Reserve Board are short and to the point : Notice before negative information is reported : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. Notice after negative information is reported : We have told a credit bureau about a late payment, missed payment or other default on your account. This information may be reflected in your credit report. I was never contacted by Discover after negative information was reported to the credit bureau, and how this negatively information would impact me.
Company Response:
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A