Date Received: 2023-02-12
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Hi, We believe Discover discriminated my refinance cash out application due to me being under Deferred Action for XXXX XXXX. We received an offer for a refinance my home and take out a sum of money at a lower interest with out any closing costs. This was letter I received from Discover my credit card company. I got in contact with them using the number in the letter and proceeded to refinance my home. I received the first communication from Discover on XX/XX/2022. They told us to send our government issued ID 's along with other documents to determine our eligibility. The agent representing Discover was XXXX XXXX XXXX XXXX ID XXXX. We provided all the documents listed in their communication and by XX/XX/2022 we received our Revised XXXX XXXX. Loan amount was {$300000.00}. ( XXXX cash out ) Interest Rate 3.49 % Monthly principal and Interest payment of {$1300.00} This was a 30 year traditional loan with an estimate escrow of XXXX for an estimate total payment of $ XXXXmo The closing costs were covered by Discover according to their offer in the mail and their marketing special at the time. Only initial escrow payment was to be paid at closing. After all the financial and eligibility information was provided to move along. They took months to get the loan approved. They would place new documents required to and hassles and obstacles that we would never be informed of. It would not be until be logged into the site that we would find out about documents we were promised we will be informed via email or phone call. It was not until XX/XX/2022 that we received a loan decision. A loan decision was made yet the communication was blank. No reason was provided and at this point we called to get some one to help. They informed us at that time that my eligibility was in question and because I am XXXX our loan was denied. This was not explained in their mail letter nor the disclosure documents on the site. By this time Interest rates were no longer the ones in XX/XX/2022 and they deprived us of a great opportunity. To me this was done in discrimination.
Company Response:
State: TX
Zip: 78640
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I suspect Discover student loans are making it difficult for consumers to log in to their accounts as my account never remembers my password, and I need to go through the entire " forget password '' process to regain access to my account. I called a representative a while ago about this and was suggested to change/update my browser but that did not help. I have a password manager that tracks my password but it still does not remember my account, I've even logged out and then tried getting back in a minute later and the system does not remember me. This may be far-fetched but if the company is making it more difficult for their consumers to access their accounts then some people may not log in and begin the repayment process or are less likely to review their accounts.
Company Response:
State: TX
Zip: 75081
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: The company continues to deny that they had accepted payments > 30 and > 60 days, without credit reporting, due to that having been their policy until XXXX. The company accepted payments > 30 days past due for years. From my recollection, the reason that the company accepted payments > 30 days without reporting to credit, was because it was too difficult to track when there was repayment assistance in place. Subsequently, I was reported, out of the blue, XXXX XXXX XXXX days and XXXX XXXX XXXX in 2021, without notice. I spoke to multiple company representatives and the executive offices, and was verbally advised that Discover arbitrarily change their reporting policies. Being that this is a credit reporting issue, and more importantly, illegal, I would really appreciate the CFPB 's assistance in getting these items removed from my and my co-signer 's credit report. My credit report reflects responsible payment history, with exception to this issue. I also see this as a way for the company to continue to hold my student loans at their high rate, due to impacting my credit and hence, affecting my ability to refinance them.
Company Response:
State: CA
Zip: 92808
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I tried to transfer balance {$8000.00} from Discover credit card to XXXX XXXXXXXX on XXXX XX/XX/2022. After 3 or 4 days Discover showing my payment was posted. When i checked my payment on XXXX XXXX, I did not find any payment came from Discover. I told Discover I have not received any amount. Then Discover opened a case, and I told them I want do dispute that if payment is not posted. They told me ok. In XXXX Doscover told payment has not cashed out then they resent the checque to XXXX XXXX, still I have not received any amount. I called to XXXX XXXX to find out any amount came from Discover, XXXX XXXX said no amount found. Then I called Discover to find what's going on my payment. On XXXX Discover opened a case to dispute and informed me they will adjust my payment to my account. And I saw {$8000.00} adjusted to Discover. And they told me it's for temporary, if they found payment posted they will take {$8000.00} from my account. Today XXXX XXXX Discover emaild me that " XXXX XXXX has informed us the payment has posted '' But still I have not received that amount. I talked to Discover they told me I have to talk XXXX XXXXXXXX I already talked to XXXX XXXX they told me there is no such investigation going on my account with Discover. And they have not received any amount from Discover. Discover telling me XXXX XXXX told them payment posted But XXXX XXXX telling me there is no such statement like that. Discover already charged {$8000.00} Please I would like to complain about Discover, they are playing with me and don't give me enough information which I asked .likewise how XXXX XXXXXXXX told u, how they received, etc. Currently I am serving XXXX military XXXX station I can't take this pain anymore from Discover They are not fixing my problem.
Company Response:
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This company was been paid in full in 2022 but still has the payment status listed as collection/charged off and the remarks also payment after charge off/collection Paid profit and loss and does not match across all the credit bureaus either.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I need Discover Services to Update my current credit balance to All the credit bureaus XXXX, XXXX, XXXX and the XXXX score as soonest possible
Company Response:
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I need Discover XXXX to Update my current credit balance to All the credit bureaus XXXX, XXXX, XXXX and the XXXX score as soonest possible
Company Response:
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
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 Discover Bank Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 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 an 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 any purpose
Company Response:
State: AZ
Zip: 857XX
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On the XXXX of XXXX, XXXX I sent in an endorsed bill in the amount of XXXX along with my handwritten instructions to XXXX XXXX the XXXX of Discover. I sent in another endorsed bill on the XXXX of XXXX, XXXX in the amount of XXXX along with handwritten instructions to XXXX XXXX XXXX, XXXX of discover. The principal 's balance was not applied to the principal 's account. Discover is and has been defaming my creditworthiness by reporting inaccurate information to credit reporting agencies. I sent another endorsed bill on the XXXX of XXXX, XXXX in the amount of XXXX, and again on the XXXX of XXXX for the remaining balance, which was XXXX due to them adding a temporary credit to the account. On the XXXX of XXXX, I received an email from discover saying I had to verify my account by sending in my personal banking information ( statements ) and they had to be notarized. I informed the agent that I do not agree to share my personal non-public information with them nor did I feel comfortable with the notary seeing my bank statements. The agent told me that if I did not send the information that they were asking for they would shut my account down, I then informed the lady that, that was considered extortion. I proceeded to do what they told me to due in order to keep my account open. I sent in the bank statements along with the notarized sheet. I get an email regarding my account and I call discover they tell me that the notarized document wasn't showing fully on their end and that I needed to do the process over. I do the process over and send everything in. I get another email regarding my account and I call discover the agent tells me that I need to upload the notarized document again and that they received the bank statements. I asked what was the reason and she informed me that they could not see the stamp. I informed the representative that she might be looking at the old document, but I would resend everything via fax. I later was informed that the balance on my statement sheets was wrong and that they needed to be corrected because XXXX was showing a different balance. I go over my bank statements and call discover back to inform them that I never sent in a statement for the month of XXXX because it was not available yet. I'm telling this information to the young man and he tells me that the notary I used was not proper and that the notary had to be tied to a business. He stated that I could not use a mobile notary. I told the young man that I did not use a mobile notary and that the notary I used was tied to a business and that the name of the business was listed on the document the notary had to fill in. The young man/ rep informed me that, that notary was not approved or found in the system. I told the rep that I just spoke with someone an hour ago and the young lady didn't mention this at all and that it seemed strange that no one at discover told me that I had to use a certain establishment to get documents notarized. The representative told me that the notes were just added to my account. Discover closed my account down. I used the Bill Of Exchange Act which gives me the right to endorse all bills. I also have the U.C.C Article 3 ( 3-104 ) negotiable instruments, which allows me to endorse my bills and the card agreement is in fact a negotiable instrument. Discover is currently still reporting a balance/delinquency of the account. This is in fact a billing error since they received the endorsed bill back in XXXX of 2022, I was informed of this by a lady who works at discover in the customer service department. XXXX is willfully and knowingly violating 15 usc 1681 ( a ) ( 4 ) |15 usc 1681a ( 2 ) ( A ) ( i ) | 15 usc 1681b ( 2 )
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I fell behind on my credit card payments. Discover Card had offered me a settlement of XXXX. I was making payments of XXXX a month via XXXX. Dispite the fact that they received payments they referred me to a debt collector. Since I have been making payments to the debt collector. Discover Card has received at least XXXX. When you include the monthly payments made prior and current payments made. Thats at least double of what the current agreement was. I feel that Discover has received there fair share of payments and should settle the agreement.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A