Date Received: 2023-01-18
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Please update the personal information on the account ending in XXXX. The name is spelled incorrectly I have provided supporting documentation to support my request.
Company Response:
State: IA
Zip: 52722
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was a victim of identity theft in XXXX, and have had multiple credit card accounts opened in my name since then. In XXXX of XXXX, I found a credit card opened in my name that I did not open. It was charged for XXXX XXXX and opened XX/XX/XXXX. It had not appeared on my credit report prior to this, and I was not contacted by Discover about this card. I reported this to Discover Bank in XXXX and XXXX of XXXX. I forwarded Discover the information they asked for, which included information about previously opened fraudulent accounts, as well as a Police and FTC report. I was informed that they would need more information regarding this account. I contacted them on multiple occasions, and was continuously told to resend the information previously mentioned. In XXXX of XXXX, I received a notice in the mail that this account had been investigated, and it's balance was considered valid due to the fact that the credit card was sent to a previous lived at address, and that I provided Discover with my name, address and identifying information. This account was opened without my knowledge or permission. I did not receive a card, and I did not provide Discover with my information.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: DiscoverCard had their lawyer send me a letter demanding over {$1000.00} more than what has been reported by DiscoverCard And had falsified responses to this CFPa. This is an extreme liability violation. You both violated the FDCPA- I warned you and you had a chance to remedy- I am turning this over to a FDCPA lawyer on Friday at noon unless you want to suggest a remedy. You may call me at XXXX up til Friday to offer your remedy to these violations- suit yourself - you need to follow the laws you both make me sick. - and Friday XX/XX/2023 at noon, I am also filing a complaint with the NC Department of Justice- you violated both North Carolina law and Federal law. Friday XX/XX/2023 at noon is the cutoff for contacting me to remedy your violations. Follow the laws. .
Company Response:
State: NC
Zip: 28411
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
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: This complaint centers around a defective treadmill XXXX and its associated fitness application from XXXX. In each case Discover has sided with the vendor despite inconsistencies and the documentation I have provided. I believe you will agree that Discover has not accurately reviewed the data as well as inappropriately charged me with fees. Key Complaints with Discover 1. Treadmill : I had a defective Treadmill. I disputed the charge immediately due to the defective nature of the unit. Discover did not support me with the compliant with XXXX to either repair, replace or return the treadmill. XXXX never contacted me on remediation. Once XXXX received the payment, there was no incentive to support me. I do not have access to Discovers documentation on the matter but they Discover contended I did not return the XXXX lb treadmill delivered on a panel truck as reason to side with XXXX. XXXX also showed they contacted me for the return authorization. However, their proof of contact was using an invalid email address that is not my email. I pointed all this out to Discover but they sided with XXXX. XXXX. XXXX : With a defective treadmill, the XXXX application has not use. I disputed all XXXX application charges since the treadmill was defective. I could not use and never used XXXX. Similar to the treadmill dispute, IFITs documentation referenced an invalid email address to me. I also pointed this out to Discover. XXXX. Discover Rewards : After over two decades as a Discover customer, I have cancelled my account. It is associated with their lack of customer protection. Upon cancellation, Discover was to pay me my cash back awards balance. 4. Interest and Late Fees : Upon cancellation of account, my balance was paid in full except the charges I continue to dispute. Discover continues to accumulate late fees on these disputed charges. I have notified Discover that these charges are still contested. They have indicated they continue to document that I dispute the charges. One should note that normally a customer has limited documentation of all the correspondence with the vendor since one would expect the product would function when an order is place. However, I can demonstrate a full appreciation of lack of response from XXXX due to defect product as well as gaps in Discovers acceptance of vendor information despite inconsistencies or falsifications by vendor. NordicTrack Treadmill purchase and XXXX XXXX XX/XX/XXXX, I ordered an XXXX treadmill. I ordered the treadmill online. My order confirmation is below. Key Points Related to Complaint This was during COVID. One of my complaints is XXXX was unresponsiveness to my calls and emails to return my defective treadmill. Also, XXXX has not value if the treadmill does not work yet they tried to charge me for a service that could not be used when I requested, they fix, replace or refund my money for the treadmill. Discover ignored that I did not have a functioning treadmill. I immediately contested the charges. There is a significant delivery charge as the treadmill weighs XXXX lbs with shipping pallet material. XXXX uses third party freight shipping companies to deliver their products. The product was delivered on XX/XX/XXXX via a large panel truck. Two people and a pallet dolly were necessary to unload the treadmill. As part of the complaint over the treadmill, Discover indicated that did not return the treadmill. However, return requires special equipment to return and XXXX never contact me. ( See next point ) My email address on the order is XXXX as seen below. XXXX have sent confirmation of the treadmill order and XXXX to xxxxxxxxx. You will note in subsequent documentation that XXXX provided information related to the disputed charges has used the email address zzzzzzzzz. This is not a valid email address. I had noted that to Discover but they continue to ignore this issue.
Company Response:
State: WI
Zip: 54904
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Getting the loan
Subissue:
Consumer Complaint: Adverse action provided was " unable to Verify credit/application '' was told that it was not credit related but I can not locate the problem and Discover Financial Services will not help my determine what information needs to be verified. No issues with the info on my credit report.
Company Response:
State: AZ
Zip: 859XX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Discover I've been more than up front with you the whole time I've had this card, and now you XXXX to shut down my account oh wait I forgot you already shut down my account in that you've suspended it which is basically the same thing, you have me owing over {$XXXX} dollars, XXXX XXXX dollars over the limit which did not get there by me using it but rather by your late fees and interest. I remind you I had XXXX XXXXXXXX and XXXX for almost a year in recovery because I was already weak due to XXXX to which i've been XXXX as well, you seem to forget that I willfully closed XXXX other accounts so I could keep this XXXX going as it was my favorite, I went out of my way to keep it up to date but sometimes there are unforeseen problems that is next to impossible to correct all at once, you seem to ignore this fact also. What I have sadly learned from this experience is that you don't give a XXXX XXXX XXXX we XXXX or XXXX all you care about is yourself. i trusted you, wow was that ever misplaced. WELL DISCOVER YOU'VE LOST MY TRUST AND RESPECT, YOUR ALL ABOUT ME ATTITUDE JUST PUT YOU IN THE SAME CATAGORY AS ALL THE REST. I HOPE YOU'RE HAPPY.
Company Response:
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Discover has been contacted several times for help to deal with a health matter that occured in 2022 and now is permanently going to affect my life as I have advised them that my financial situation is dire due to my health condition deteriorating to the point where I am in a position where I am facing a XXXX XXXX XXXX XXXX where my income is obtained through Social Security XXXX. I have requested help from Discover to reduce the amount owed as I am faced with the limited income and high medical expenses and income that is tied up for basic needs. The response has not been made to do anything to help me at all. I have requested their policies in be provided in written form. At this point their position has been to ignore my written correspondence. I have requested that this matter be kept confidential but not ignored. My health condition is permanent and having no options has me very concerned. The payments for the Discover account has been covered by a family member to help me with this permanent hardship.
Company Response:
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XXXX XXXX XXXX XXXX I received a phone call from the phone number XXXX around XXXX and they left me a voicemail stating they were from the XXXX XXXX XXXX XXXX XXXX and calling in regards to some legal documents that required my attention. They requested I call back at their direct line for XXXX XXXX ( or XXXX, couldn't hear ) XXXX at phone number XXXX. I called that number and was told that I had missed a court date on XX/XX/XXXX that I was subpoenaed for on XX/XX/XXXX. I said I never received any notice of this and never signed any subpoena papers, and knew I was not available on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or I could opt for the civil process in which I would post the bonds attached to each citation, see a handwriting analyst to rule in/out my signature on the subpoena, then get my money back. Throughout all of this they had me withdraw money from savings and checking accounts and make cash advances and balance transfers on all my credit cards. Part of this was a {$5500.00} balance transfer on my Discover credit card. Luckily, I figured out it was a financial scam before the balance transfer posted to my account so I was able to call Discover on XX/XX/XXXX and have them reverse the transaction. With that, there was a {$110.00} transfer fee that was charged to my account. I made a few phone calls and attempted to have that money refunded and was told that could not happen.
Company Response:
State: MD
Zip: 21224
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I applied for a XXXX account in XX/XX/XXXX over the phone and they pulled my credit report. On XX/XX/XXXX, I used the only email sent to me by Discover to start loading documents but it only allowed me to enter the same personal info that I shared over the phone in XXXX Once complete, I hit submit and Discover then pulled another hard credit bureau while I already had an open application with them. The email they sent should have informed me that I already have an application but it did not and it pulled a 2nd credit inquiry when it was not necessary. I called Discover and they cancelled the 2nd application but this seems to be a harmful practice for consumers. I find myself to be a savvy consumer and this deceptive practice has probably impacted many other consumers as they are pulling a new credit inquiry when the consumer doesnt understand or want that 2nd pull.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I applied for a HELOC account in XX/XX/XXXX over the phone and they pulled my credit report. On XX/XX/XXXX, I used the only email sent to me by Discover to start loading documents but it only allowed me to enter the same personal info that I shared over the phone in XXXX Once complete, I hit submit and Discover then pulled another hard credit bureau while I already had an open application with them. The email they sent should have informed me that I already have an application but it did not and it pulled a XXXX credit inquiry when it was not necessary. I called Discover and they cancelled the XXXX application but this seems to be a harmful practice for consumers. I find myself to be a savvy consumer and this deceptive practice has probably impacted many other consumers as they are pulling a new credit inquiry when the consumer doesnt understand or want that XXXX pull.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A