Date Received: 2023-01-30
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: My mom XXXX at the end of XXXX and I contacted discover as I was overwhelmed with expenses. It was made very clear that Discover had XXXX options for me other than if I paid late, I would incur additional fees and interest and my amount due would increase. I would also have charging or using the card be cut off. I explained again this was a financial hardship and was told in no uncertain terms that the next time any assistance would be available - not only a program, but any hardship, forebearance, payment arrangements- literally there was XXXX help until XX/XX/XXXX. Discover agents made it clear that my financial hardship would result in more penalties, fees, and interest. XXXX agent offered a credit to my account but out the payment in place 1 day after a due date - triggering late fees and penalties above and beyond any credit. I had to file multiple complaints to have anyone offer a late fee refund but at that point the financial penalty to me was already larger than any refund. When I called earlier today to speak with Discover, an agent went through my account and he reviewed all the notes and expressed dismay that there had been no help affered to me to help me stay current- it was all penalty on top of penalty until I could just not recover. No program, no hardship, no forebearance, no payment plans offered until eventually last month XXXX XXXX I was given an option that was again just prioritizing Discover be rewarded for these last several months of financial punishment. I agreed that it was super clear that Discover intended to make it as financially punishing as possible. I have filed complaint after complaint after complaint based on the very bizarre way Discover has handled this, handled credits, poor communication, agents scheduling payments to be put in late - and despite numerous complaints being filed on my behalf- it just continues to accumulate fees and interest and more financial benefit to Discover. The agent said earlier today that he could see I would have been eligible for assistance but was confused as to why it was not offered to me when it could have helped me stay current. I called back later today to document with discover that I was clearly told that I would have XXXX assistance in any way until XXXX of XXXX and the agent I spoke with said shed file a complaint on my behalf. She put me on hold to ask a supervisor if there was any assistance for me at this time and came back to report what I had heard before- the only options were those that ignore my prior complaints and maximize the amount that Discover is repaid - the same as if I stopped paying in XXXX and decided today I needed to call versus the last 6 months of complaints and requests for help.
Company Response:
State: TN
Zip: 37912
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
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: A payment of {$2200.00} was made to XXXX 's Discover credit card in error in XX/XX/2022 Called and had customer service correct the error Three months later Discover put same amount of payment on XXXX XXXX card again as a CHARGE It has been corrected twice since then - XXXX, and XXXX. XXXX 's credit card has been paid in full with XXXX balance for 5 months since error was correct ( second time ) - and now the charge has been placed on his card again for XXXX statement ( due XXXX ) Have called numerous times, spoken to different people, executive office, and emailed CEO with no reply. This is an error by Discover. When talking to representatives it sounds like this amount {$2200.00} was transferred somewhere but they can not tell us where and trying to charge our son for this error.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Hello, you're currently violating my rights under the law. The IRS describes a charge off as gross or ordinary income and you're currently reporting charge off on my credit. Now tell me how's this reporting as debt? This is not accurate of fair information that you're reporting on my credit. Here 's one violation, 15 USC 1681 talks about accuracy and fairness of reporting. Second violation, 15 USC 6801 protects my information of non public personal information and also violation of 15 USC 6802 obligation to respect of disclosure and you did not provide me this information. You also, never sent me a 1099 cancellation of debt form. You have violated me. I need this charge off be deleted. I demand that this charge off be deleted from my credit.
Company Response:
State: NC
Zip: 27516
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
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: My Discover card was on Auto-pay when I left for vacation in early XXXX. My bill due XXXX was {$1200.00} and I had {$1800.00} in payments due to a refund and my weekly payments. Auto pay in full was added to start on my XX/XX/XXXX bill. my Vacation over seas was XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX my bill was paid in full. AFTER my bill was paid in full XXXX {$65.00} was paid from my small weekly payments ( I should have a {$65.00} credit at that point ) XX/XX/XXXXXXXX XXXX XXXX XXXX charged for a touch up kit that should be under warantee ( disputed ) Starting XX/XX/XXXX many charges under {$20.00} appeared on my card. The last charge I authorized on my card was XX/XX/XXXX. All charges after that are fraud. My XXXX bill showed a credit and my XXXX bill shows a {$33.00} balance due ( about {$85.00} difference ) since then my Discover card app shows another {$10.00} charge. I've spent hours getting passed between departments with Discover. A senior sales rep stayed on the phone XX/XX/XXXX for over an hour and saw how each department sent me to another department. Her manager was supposed to call me today ( no call ). I asked for her direct line. No direct line. She was XXXX in XXXX ( That's all they will share ) I still show I owe for charges in XXXX on my recent bill ( I'm in XXXX but fraud was in XXXX ). Please help me get this straight and close my account with Discover! THANK YOU.
Company Response:
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To whom it may concern : I received a copy of my XXXX credit report, and I noticed some late payments on my credit report : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DISCOVER BANK XXXX, XXXX XXXX XXXX XXXX company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) 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 U.S.C. 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 of ALL listed accounts this agency is in violation of 15 U.S.C. 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 : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, Isiah Guiden Enclosed : copy of ID and Utility Bill showing proof of address.
Company Response:
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I opened a Credit card on XX/XX/2013, the company name is Discovery Bank they failed to comply with Consumer Laws and has the account shown as a Charge -off which charge off is a canceled debt so it shouldn't be on my credit profile did not send me a 1099c form. I sent them a charge-off letter all they sent me is the receipt it is also outdated which makes it inaccurate information.
Company Response:
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX two fraudulently written and signed checks had been cashed for {$7500.00} each to an unknown party. One was cashed on XX/XX/XXXX and the other on XX/XX/XXXX. An attempt to cash a third check was made on XX/XX/XXXX, but was unsuccessful because the funds had been depleted from my account. I filed a police report on XX/XX/XXXX, and an affidavit as requested from Discover bank. Discover refuses to reimburse me for the {$15000.00} that was taken from my account via fraudulent checks. They also have sent no correspondence about the matter during the entire process for the exception of the blank affidavit. I had to call and ask to gather the information that they are refusing my claim and received this information from a representative on XX/XX/XXXX. I am proceeding to file a small claims court case against Discover bank unless the funds are rightfully returned. Police report and affidavit attached below.
Company Response:
State: CA
Zip: 94112
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Hi, In XXXX XXXX XXXXXXXX of XXXX, and XXXX, XXXX XXXX XXXXXXXX of XXXX, I took advantage of two months of forbearance provided by DIscover student loans and XXXX XXXX. These payments have been marked as late or missing payments and have significantly impacted my credit and credit history. I would like to have these late payments removed from my credit report. Secondly, I have 2 loans with discover student loans and 1 loan with XXXX XXXX with interest rates between 10 and 12 percent. Because of the hit on my credit from the forbearance mentioned above, I have not been able to refinance and consolidate these loans for a better interest payment. I am writing to see what options are available for consolidation and reduction of my monthly payments and interest rates. Thank you, XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hi CFPB, Discover bank has reported XXXX missed payments while the account is current, please get them removed as it is causing me low motivation and also my credit score is low due to this I will have trouble will getting another loan. kindly help me in getting the late payments removed. I have attached the screenshot for reference
Company Response:
State: VA
Zip: 20105
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Notice of Conditional acceptance and Affidavit of Debt Validation was sent out via certified mail VIA XXXX XX/XX/2023. Tracking number XXXX Requesting specifically validation of the debt under penalty and perjury. There is a copy of the affidavit attached. The notary signed the copy sent via mail.
Company Response:
State: FL
Zip: 33181
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A