Date Received: 2023-02-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I had a checking account with Discover bank because they were offering XXXX, as they decided to no longer offer XXXX, I decided to close my account with Discover and enroll my phone number with another bank that has XXXX, Discover bank has put restrictions on my phone number for no reason that is making it impossible for me to enroll my phone number with XXXX through another bank. I have been trying to get this resolved for the past three months, I am hoping with your assistance that they remove those restrictions in place so that I can enroll my phone number with XXXX at another bank. As I have closed my account with Discover 3 months ago. Please help get this resolved as soon as possible, as I am a law abiding citizen, and never had any issues using XXXX. Thank you so much.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2023 I received an alert that there was suspicious activity on my Discover bank account and to call in immediately. I called and it took about 45 minutes for them to tell me a business decision was made and my checking and savings account would be frozen immediately and I would receive a check with the rest of my funds within 10-15 business days. The suspicious activity was from over a month ago when I accidentally pressed the wrong bank account number from the drop down menu when transferring {$300.00} from my savings to my checking account. As soon as I realized what happened I deleted the old account from the account and transferred the {$300.00} from the correct savings account. The transaction was reversed, so no money was ever transferred. I have never had an overdraft fee or any other issues that would warrant such a drastic decision. I asked to speak to a supervisor who then transferred me to XXXX in the fraud department. XXXX looked at the account and said he would call back by XXXX central time after he could look into the account more and contacting the other bank. He never called back, I called this morning and same response. How am I supposed to just not have my money for 2 weeks? I am going to get charged fees from places that I have set up with automatic bill pay. I have no way to pull up my account, so I just have to take Discovers word that they returned all of my money to me? The only fraud on my account was from Discover!
Company Response:
State: MN
Zip: 55419
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: You sent me your request an hour ago. By state statute we have 5 business days to return a response. There are multiple requests ahead of you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr XXXX XXXX FAX XXXX I never applied for a XXXX card and I would want for you to discuss them to this XXXX XXXX XXXX I filled a police report that I never applied for this account can you please help me.
Company Response:
State: IL
Zip: 60137
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover Credit Card A new card was opened {$4500.00} XXXX I contacted to provide legal and personal information to open said card. The card was opened however I was no longer going to activate it once received. I had to unfreeze my credit report to open this card - I keep my account locked to prevent fraud. I subsequently requested a replacement card for the current card I already had - {$15000.00} limit. I received a notification on XX/XX/XXXX stating the newest account was closed. I understood and took no further action. I activated my replacement card the same day as my newest account was closed. No other communication was received from XX/XX/XXXX to XXXX in relation to my already open account of 3 years. on XXXX I received a notification that I needed to activate an 5 % cashback offer on my account. Hours later on the same day I received notification that my account had been closed. When I contacted the company they said they had no notes other than a business decision. I advised them of the XXXX credit card act that requires 45 day notice of major account changes such as closure - not including inactivity. Policy is 1 year of inactivity places your account as subject to being closed - my account was less than 30 days active with the replacement card. This has negatively impacted my credit score as that was a XXXX credit line decrease and it lowered my open credit history by removing a XXXX XXXX XXXX account. The company stated they called me once- in XXXX- I do not have a record of the voicemail they stated they left. I did not receive any letters or emails related to the card already in existence.
Company Response:
State: TX
Zip: 76179
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: My original complaint wasn't resolved or fully addressed. I did not receive 6 months of personal coaching. On XX/XX/XXXX, I purchased a " 6-month personal coaching package. '' XX/XX/XXXX was not the actual " start date '' of this program, and the coach claims that the end date is XX/XX/XXXX. Even if the official start date was XX/XX/XXXX, 6 months would be up on XX/XX/XXXX. On Friday, XX/XX/XXXX, XXXX texted me and advised that my program ended on XX/XX/XXXX. According to my computations, XX/XX/XXXX to XX/XX/XXXX does not add up to 6 months time. After being misled about this program, I only received one document identifying my baby step to work on dated XX/XX/XXXX. No other goals were formally documented and/or tracked. XXXX has no credentials, licensure, education, etc. that allow her to operate in the capacity that she attempts to. She gives erroneous medical recommendations, which are far beyond her scope of practice. Again, she doesnt have a medical degree to practice in this capacity. XXXX also attempts to act as a mental health practitioner, asking questions about childhood/background and making canned recommendations based on responses. XXXX is not a licensed counselor, social worker, or therapist and should not be acting in this capacity. The weekly XXXX that XXXX was offering access to were not tailored to specific individuals and everyone in her program has access to these XXXX. However, the majority of the time, the XXXX links dont work, and program participants cant get on. Not that the material shared in the XXXX is anything unique or of particular value. Again, these are generic XXXX ; not tailored to anyone specific. Lastly, to reiterate and recap, XXXX does not have any type of certifications whatsoever. She is unqualified to be operating under her current business model. She claims to be knowledgeable about various health conditions solely because she herself suffers from them. Its a ridiculous scam, operating under the guise of a program. Furthermore, it intentionally targets vulnerable populations, suffering from health conditions, which again, XXXX is unqualified to treat/diagnose/make recommendations for.
Company Response:
State: PA
Zip: 16823
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: XX/XX/2023 I applied for a Discover credit card that offered a Balance Transfer I was approved for the card with a {$12000.00} limit During the application, there was a form for a balance transfer. I filled the form requesting a balance transfer from XXXX XXXX account # XXXX in the amount of {$2900.00}. I did not receive confirmation that the balance transfer was accepted or pending at this time. There was on information on the application or in either email received on XX/XX/XXXX or XX/XX/XXXX On XX/XX/2023 I received the Discover card in the mail and called to activate the card. Account number # XXXX On XX/XX/2023 I created the Discover online account. I checked the Balance Transfer page in my account. There were no pending Balance Transfers listed at that time. I received no indication that there was a pending transfer either via mail, email or in the online account. At that time, I still wished to proceed with a balance transfer request, so I put in a request for a balance transfer from XXXX XXXX account # XXXX in the amount of {$3200.00}. I received this notice via email : " XXXX XXXX, we got your balance transfer request Here are the details : Transfer Amount : {$3200.00} Financial Institution : XXXX XXXX ending XXXX XXXX Rate ( XXXX ) : 0 % Estimated Transfer Fee : {$97.00} Offer Duration : 18 months An account must be open for 14 days before Discover can begin processing your balance transfer request. After that, most transfers are processed within 5-7 days. Please allow additional time for the recipient to credit your other account. To avoid late fees or penalties, we recommend that you continue to make payments on your other account until you verify the funds have been credited. And when it posts to your account, you'll get an email from us. '' To clarify, I NEVER received a confirmation like this for my original request either on the approval screen, by email, or by any other form of communication. This is where I feel the error lies with Discover ; the absence of any such confirmation is what prompted me to request another balance transfer. If there had been any indication of pending or accepted balance transfer request in process, then I would have never made a secondary request. XX/XX/2023 I received two emails stating that each balance transfer request has been processed. This has resulted in a balance of $ - XXXX in my XXXX XXXX I contacted Discover twice to request resolution because there was never any indication that the original balance transfer request was received, pending, or accepted. I requested that one or both balance transfers be reversed. This was denied. I requested that one of the balance transfer fees be refunded. This was also denied.
Company Response:
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Discover card was deceptive on their terms concerning a credit card I opened with them in XXXX of 2022. They gave me a credit limit of {$2000.00} which I have been using over the last 9 months. They froze my account suddenly and requested form XXXX to be able to look at my tax returns. There is no fraud on the account and I am current on it. I contacted them and was informed that this was standard protocol now for them. The email that they send out about this also looks like a deceptive phishing email from a XXXX party. This all seems highly invasive for a small credit limit. This is a huge invasion of privacy after the fact, as they did not request this upfront before extending credit. There was no mention of it. Tax transcripts are an excessive request and had they requested them before extending me credit that I used, I would not have decided to do business with them. I simply would not have trusted them to keep that information safe as do state in there user agreement that they sell data. Also, I file my taxes jointly with my wife. Asking my wife to provide her sensitive financial information for me to keep the account is not a reasonable request. She is not financially or legally obligated to comply. They will close my account if I do not fill out the form, thereby negatively affecting my credit and finances. This is a very deceptive business practice. I would not have opened an account with them had they asked for this info before approving me. Asking for tax transcripts 9 months after you have opened an account and threatening to harm your credit, is extortion.
Company Response:
State: AR
Zip: 71901
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This was paid on XX/XX/11 and XXXX has failed to correctly update the status on my credit report, as you can see both XXXX and XXXX have updated their statuses. I contacts Discover and they said it was send to all XXXX credit bureaus.
Company Response:
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: My name is XXXX XXXX ( Formerly XXXX ). I am currently living in a XXXX XXXX, & trying to get into a XXXX XXXX XXXX as my battle with the XXXX virus is causing me such discomfort. I caught XXXX, and that complicated the virus even worse. To into transitioning housing from the hospital. I must have decent credit. Im asking for your mercy on me to help removed the old negative late payments on my credit history, so that I may transition with my XXXX small children and be with them as my end of life. May you please removed the negative accounts that I paid off. I am asking for grace and mercy to please remove the late payment. They are affecting my entrance into housing. Thank you,
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
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: I've asked all 3-credit bureaus to do a thorough investigation on all of my accounts in which they did, and they have stated everything was accurate. I then reviewed the reports on my own and discovered that there are improper inaccuracies on my credit reports. The account and payment history that I found to be inaccurate is : Discover Bank, Account number ending in XXXX They have stated that this account belongs to me and I have notified them that it does not belong to me and asked that it be removed entirely from all 3 of my credit files. In accordance with the Fair Credit Reporting act, Discover Bank Account ending in XXXX has violated my rights. 15 U.S.C 1681 section 602 A states that I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A